policy_id,issue_date,policy_year,issue_age,attained_age,cohort_birth_year,gender,smoker_status,build_bmi,height_inches,weight_lbs,state_of_issue,country_iso3,marital_status,education_level,occupation_class,annual_income_usd,socioeconomic_index,medical_exam_type,systolic_bp_mmhg,diastolic_bp_mmhg,total_cholesterol_mgdl,hdl_cholesterol_mgdl,cholesterol_hdl_ratio,glucose_fasting_mgdl,hba1c_percent,cotinine_positive_flag,egfr_ml_min,psa_ng_ml,family_history_cad_flag,family_history_cancer_flag,family_history_longevity_flag,prior_cardiovascular_event_flag,prior_cancer_flag,prior_cancer_type,prior_cancer_years_since,diabetes_type,copd_severity,mental_health_flag,alcohol_drinks_per_week,aviation_avocation_flag,foreign_travel_flag,mib_flag,prescription_drug_flag,attending_physician_statement_flag,underwriting_class,flat_extra_premium_per_1k,table_rating_number,uw_exclusion_rider_flag,uw_postpone_flag,uw_decline_flag,accelerated_uw_algorithm_flag,uw_decision_days,uw_examiner_id,mortality_loading_factor,product_type,coverage_amount_usd,premium_mode,premium_amount_usd,policy_term_years,surrender_charge_schedule,cash_value_usd,loan_outstanding_usd,loan_to_value_ratio,reinsurance_ceded_flag,reinsurance_arrangement,distribution_channel,replacement_policy_flag,exchange_1035_flag,policy_loan_flag,expected_mortality_rate_qx,actual_mortality_rate_qx,mortality_table_basis,improvement_scale,mortality_ratio_ae,cause_of_death,death_claim_flag,death_claim_date,contestability_flag,claim_investigation_flag,claim_amount_paid_usd,gompertz_makeham_a,gompertz_makeham_b,gompertz_makeham_c,excess_mortality_delta_qx,mortality_improvement_factor,pandemic_stress_flag,pandemic_excess_mortality_pct,heat_stress_mortality_adj,lapse_flag,lapse_date,lapse_reason,lapse_duration_year,expected_lapse_rate,actual_lapse_rate,shock_lapse_flag,interest_rate_environment,interest_credited_rate_pct,guaranteed_minimum_credited_rate_pct,paid_up_status_flag,extended_term_flag,reinstatement_flag,premium_financing_flag,churning_flag,premium_persistency_index,life_expectancy_at_issue,life_expectancy_at_observation,longevity_risk_class,longevity_percentile,rcp_scenario,socioeconomic_mortality_gradient,zip_code_health_index,wearable_data_flag,wearable_activity_score,genomic_risk_score_flag,genomic_longevity_prs,net_amount_at_risk_usd,policy_reserve_gaap_usd,policy_reserve_stat_usd,policy_reserve_ifrs17_usd,contractual_service_margin_usd,loss_component_flag,embedded_value_usd,internal_rate_of_return_pct,profit_margin_pct
LI-2024-INS004-000001,2020-02-01,3,65,68,1955,male,never_smoker,30.2,63,170,OH,USA,single,some_college,light_blue_collar,53604.51,0.462,limited_exam,155,100,207,53,3.91,93,,False,,4.78,False,True,False,True,False,none,,none,none,schizophrenia,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,26,UW-048,2.5,term_life,500000,annual,6659.62,20.0,none,,,,False,none,employer_group,False,False,False,0.021571,0.100687,SOA_2015_VBT,SOA_Scale_MP2023,2.739,cancer,True,2021-09-24,True,False,1151445.17,0.0007,5e-05,1.095,0.032357,0.012,True,0.00018,1.0,True,2026-04-06,voluntary_surrender,3.0,0.07,0.1118,False,normal_rate,4.48,2.64,False,False,False,False,False,0.925,23.1,20.1,standard_longevity,49.6,baseline,1.153,0.31,False,,False,,500000.0,51734.81,52426.4,53276.96,12653.28,False,0,-0.98,-20.0
LI-2024-INS004-000002,2021-11-03,6,56,62,1965,male,current_smoker,23.6,65,142,LA,USA,widowed,bachelors,white_collar,20000.0,0.4078,non_med_guaranteed,130,77,190,63,3.02,97,4.9,True,66.7,2.95,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,23,UW-235,1.5,term_life,250000,monthly,1974.75,25.0,none,,,,False,none,independent_broker,False,False,False,0.028965,0.080179,SOA_2015_VBT,SOA_Scale_MP2023,1.721,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014482,0.015,True,0.00617,1.0,False,,,,0.05,0.0687,False,normal_rate,2.03,2.39,False,False,False,False,False,0.899,33.6,29.9,preferred_longevity,63.5,baseline,1.194,0.212,True,59.2,False,,250000.0,16102.61,14644.01,15798.0,3752.02,False,0,2.89,-0.55
LI-2024-INS004-000003,2014-09-09,9,80,89,1934,female,never_smoker,32.1,69,217,OH,USA,married,bachelors,professional,68671.85,0.655,full_paramedical,140,93,244,29,8.41,105,5.0,True,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,29,UW-307,1.75,term_life,100000,monthly,1449.87,30.0,none,,,,False,none,employer_group,True,False,False,0.204506,0.563495,SOA_2015_VBT,SOA_Scale_MP2023,1.988,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.15338,0.005,False,,1.0,True,2026-03-12,replacement,9.0,0.05,0.0706,False,normal_rate,4.23,2.15,False,False,False,False,False,0.922,9.1,1.0,sub_standard_longevity,23.8,baseline,1.009,0.713,False,,False,,100000.0,629.7,580.56,579.95,4958.56,False,0,3.79,4.04
LI-2024-INS004-000004,2022-05-13,3,60,63,1962,male,never_smoker,31.7,63,178,CA,USA,married,bachelors,professional,50729.72,0.454,full_paramedical,147,90,208,59,3.53,88,,False,,4.05,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,53,UW-414,1.5,whole_life,100000,semi_annual,829.86,,none,572.65,,,False,none,bank,True,False,False,0.015082,0.040773,SOA_2015_VBT,SOA_Scale_MP2023,1.618,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007541,0.015,True,0.00494,1.0,False,,,,0.04,0.0535,False,normal_rate,2.73,0.98,False,False,False,False,False,0.952,29.3,28.8,preferred_longevity,62.5,baseline,1.159,0.608,True,62.2,False,,99427.35,7136.11,5743.14,6638.88,1576.73,False,0,5.63,4.99
LI-2024-INS004-000005,2017-02-02,9,59,68,1958,female,unknown,15.0,72,110,KS,USA,single,some_college,light_blue_collar,115557.32,0.6822,accelerated_UW,121,77,242,55,4.4,67,,False,70.0,,False,False,False,True,False,none,,none,none,schizophrenia,10,False,False,False,False,True,declined,,,False,False,True,True,28,UW-496,7.0,term_life,1000000,annual,37854.62,10.0,none,,,,True,quota_share,independent_broker,False,False,False,0.020578,0.251797,SOA_2015_VBT,SOA_Scale_MP2023,6.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.123465,0.012,False,,1.0,False,,,,0.05,0.0577,False,normal_rate,4.1,0.67,False,False,False,False,False,0.76,34.4,25.4,preferred_longevity,60.8,baseline,0.988,0.798,False,,False,,1000000.0,307057.02,292475.03,302836.96,71923.78,False,0,-5.0,-20.0
LI-2024-INS004-000006,2002-07-22,19,55,74,1947,female,former_smoker,35.5,61,188,MA,USA,single,some_college,light_blue_collar,68902.15,0.4486,simplified_issue,158,96,152,47,3.23,100,5.1,False,78.4,,False,False,False,False,True,colorectal,2.0,none,none,none,2,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,58,UW-414,2.0,universal_life,100000,semi_annual,1355.84,,15yr_declining,1766.81,,,True,none,bank,False,False,False,0.03699,0.132021,SOA_2015_VBT,SOA_Scale_MP2023,2.208,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03699,0.008,False,,1.0,False,,,,0.04,0.0536,False,normal_rate,3.3,1.01,False,False,False,False,False,0.856,35.5,16.5,standard_longevity,44.0,baseline,1.164,0.354,False,,False,,98233.19,9567.96,7771.45,8948.54,2955.73,False,0,1.46,-1.8
LI-2024-INS004-000007,2008-01-01,5,39,44,1969,female,never_smoker,18.8,69,127,VA,USA,married,less_than_hs,white_collar,25386.54,0.4365,full_paramedical,147,94,184,51,3.61,80,,False,92.1,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,41,UW-453,1.5,indexed_ul,5000000,monthly,29695.86,,15yr_declining,22781.2,,,True,none,captive_agent,False,False,False,0.002724,0.006688,SOA_2015_VBT,SOA_Scale_MP2023,1.667,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001362,0.015,False,,1.0,False,,,,0.08,0.0486,False,normal_rate,3.49,2.17,False,False,False,False,False,0.868,55.3,58.1,super_preferred_longevity,100.0,baseline,1.173,0.512,True,77.9,False,,4977218.8,231986.04,203771.78,237566.88,56422.13,False,0,0.68,8.16
LI-2024-INS004-000008,2006-08-12,8,37,45,1969,male,current_smoker,35.2,72,259,CA,USA,widowed,high_school,white_collar,20000.0,0.3693,limited_exam,119,70,220,39,5.64,83,5.2,True,74.8,2.19,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,19,UW-060,1.75,term_life,500000,annual,3504.8,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.007324,0.022146,SOA_2015_VBT,SOA_Scale_MP2023,1.859,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005493,0.015,False,,1.0,False,,,,0.05,0.0983,False,normal_rate,4.24,0.67,False,False,False,False,False,0.827,56.0,48.0,super_preferred_longevity,100.0,baseline,1.223,0.353,False,,False,,500000.0,29270.71,25516.75,28038.4,6659.12,False,0,0.23,-3.35
LI-2024-INS004-000009,2013-06-13,5,62,67,1951,female,never_smoker,26.0,68,171,UT,USA,married,high_school,heavy_blue_collar,93423.43,0.6609,simplified_issue,128,78,171,63,2.71,112,4.9,False,83.9,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,1.02,4.0,False,False,False,False,13,UW-048,2.0,indexed_ul,1000000,annual,11811.71,,10yr_declining,9105.78,2695.31,0.296,True,facultative,independent_broker,True,False,False,0.015073,0.047741,SOA_2015_VBT,SOA_Scale_MP2023,2.158,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015073,0.012,False,,1.0,False,,,,0.08,0.0253,False,normal_rate,4.96,1.11,False,True,False,False,False,0.794,30.3,25.3,preferred_longevity,60.4,baseline,1.004,0.69,False,,False,,990894.22,87058.68,88354.35,94493.68,22442.25,False,0,5.23,-8.57
LI-2024-INS004-000010,2022-09-15,5,21,26,2001,male,former_smoker,30.1,74,234,NJ,USA,married,graduate,professional,23085.44,0.8167,full_paramedical,106,71,212,56,3.79,125,5.1,False,88.0,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-249,2.25,universal_life,250000,semi_annual,1080.2,,10yr_declining,824.9,,,False,none,captive_agent,False,False,False,0.001597,0.009392,SOA_2015_VBT,SOA_Scale_MP2023,2.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001996,0.012,True,0.00394,1.0,False,,,,0.08,0.0377,False,normal_rate,3.21,1.52,False,False,False,False,False,0.924,70.0,63.8,super_preferred_longevity,100.0,baseline,0.887,0.87,True,79.2,False,,249175.1,9341.29,8354.84,8641.6,2052.38,False,0,1.19,0.22
LI-2024-INS004-000011,2024-10-13,1,48,49,1976,female,never_smoker,20.3,64,118,NE,USA,married,bachelors,heavy_blue_collar,58242.83,0.297,full_paramedical,119,78,183,64,2.86,105,5.1,False,74.4,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,True,False,False,False,substandard_table_5,0.89,5.0,False,False,False,False,3,UW-043,2.25,universal_life,250000,annual,2289.91,,10yr_declining,1461.17,,,False,none,independent_broker,False,False,False,0.003965,0.017064,SOA_2015_VBT,SOA_Scale_MP2023,2.391,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004956,0.018,False,,1.0,False,,,,0.12,0.1106,False,normal_rate,2.88,0.7,True,False,False,False,False,0.913,47.0,46.0,super_preferred_longevity,86.0,baseline,1.277,0.314,False,,False,,248538.83,18869.39,18433.71,18319.28,4350.83,False,0,-0.77,-13.33
LI-2024-INS004-000012,2024-01-08,1,30,31,1994,female,never_smoker,28.8,65,173,OR,USA,divorced,some_college,light_blue_collar,62728.24,0.2816,accelerated_UW,133,74,172,54,3.19,108,,False,100.7,,True,False,False,False,False,none,,none,none,none,6,False,False,False,True,True,preferred,,,False,False,False,True,35,UW-408,0.81,annuity_immediate,1000000,quarterly,2017.16,,none,,,,True,quota_share,independent_broker,False,False,False,0.001226,0.001319,SOA_2015_VBT,SOA_Scale_MP2023,0.835,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.01,0.0206,False,normal_rate,8.12,2.9,False,False,False,False,False,0.818,68.0,55.0,super_preferred_longevity,99.2,baseline,1.289,0.415,False,,False,,1000000.0,16891.84,16832.71,16137.28,3832.6,False,0,4.34,24.96
LI-2024-INS004-000013,2017-08-15,10,45,55,1972,male,former_smoker,28.5,62,155,NH,USA,single,some_college,professional,23812.07,0.4438,accelerated_UW,130,69,222,45,4.93,99,4.8,False,78.5,6.27,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,33,UW-251,2.5,whole_life,250000,monthly,2867.78,,none,2630.73,,,True,none,bank,False,False,False,0.010433,0.046676,SOA_2015_VBT,SOA_Scale_MP2023,2.548,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01565,0.018,False,,1.0,False,,,,0.02,0.0269,False,normal_rate,3.65,2.99,False,False,False,False,False,0.829,46.0,36.0,preferred_longevity,73.2,baseline,1.167,0.371,False,,False,,247369.27,21705.83,22810.48,22942.24,5448.78,False,0,0.59,-19.08
LI-2024-INS004-000014,2023-09-25,2,62,64,1961,male,current_smoker,23.9,68,157,WI,USA,married,high_school,light_blue_collar,332752.84,0.6949,simplified_issue,135,79,235,45,5.22,88,,True,,5.93,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,18,UW-246,1.75,whole_life,250000,monthly,2050.53,,none,1343.64,,,False,none,bank,False,True,False,0.032387,0.084332,SOA_2015_VBT,SOA_Scale_MP2023,1.894,other,True,2024-02-25,True,False,460699.15,0.0007,5e-05,1.095,0.02429,0.015,False,,1.0,False,,,,0.04,0.0458,False,normal_rate,3.1,1.99,False,False,False,False,False,0.857,31.1,29.1,preferred_longevity,76.6,baseline,0.979,0.663,False,,False,,248656.36,15739.39,15874.47,16404.24,3896.01,False,0,-1.22,2.08
LI-2024-INS004-000015,2018-10-02,2,57,59,1961,female,never_smoker,33.2,61,175,CO,USA,single,high_school,professional,164905.11,0.4079,full_paramedical,126,70,214,64,3.34,104,6.7,False,,,False,True,False,False,False,none,,type_2,none,anxiety,2,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,32,UW-059,1.5,whole_life,1000000,monthly,8301.47,,none,5776.98,,,True,quota_share,captive_agent,False,False,False,0.008445,0.021376,SOA_2015_VBT,SOA_Scale_MP2023,1.701,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004223,0.015,False,,1.0,False,,,,0.04,0.0549,False,normal_rate,3.37,2.86,False,False,False,False,False,0.813,36.0,38.5,preferred_longevity,76.4,baseline,1.194,0.364,True,87.6,True,-1.43,994223.02,65508.94,60731.18,66411.76,15772.79,False,0,5.38,5.29
LI-2024-INS004-000016,2002-04-22,19,71,90,1931,female,never_smoker,20.1,70,140,LA,USA,married,bachelors,light_blue_collar,151832.16,0.6542,limited_exam,138,86,237,72,3.29,67,,False,90.6,,True,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-340,2.25,annuity_deferred,1000000,quarterly,17253.47,,none,23085.15,,,True,coinsurance,worksite,False,False,False,0.109438,0.404446,SOA_2015_VBT,SOA_Scale_MP2023,2.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.136798,0.005,False,,1.0,False,,,,0.01,0.0118,False,normal_rate,1.16,0.97,False,False,False,False,False,0.982,17.7,1.0,sub_standard_longevity,23.8,baseline,1.009,0.698,False,,False,,976914.85,6492.22,6624.26,6901.39,59006.87,False,0,0.03,-12.45
LI-2024-INS004-000017,2014-12-16,1,25,26,1989,female,never_smoker,29.1,61,154,MD,USA,married,bachelors,light_blue_collar,121539.23,0.6607,accelerated_UW,129,85,242,52,4.65,105,,False,89.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,True,28,UW-438,0.8,whole_life,2000000,monthly,3502.13,,none,2268.39,,,True,none,independent_broker,False,False,False,0.000983,0.000768,SOA_2015_VBT,SOA_Scale_MP2023,0.778,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.0703,False,normal_rate,4.55,1.88,False,False,False,False,False,0.808,70.0,55.0,super_preferred_longevity,100.0,baseline,1.004,0.735,False,,False,,1997731.61,29123.7,27018.5,28017.04,6654.05,False,0,3.86,26.73
LI-2024-INS004-000018,2024-07-02,3,38,41,1986,male,former_smoker,28.1,72,207,TX,USA,married,bachelors,white_collar,166397.02,0.2834,non_med_guaranteed,118,80,205,56,3.66,94,,False,93.4,1.3,False,False,False,False,False,none,,none,none,bipolar,12,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-401,2.0,annuity_deferred,500000,monthly,3633.62,,none,2347.26,,,False,none,independent_broker,False,False,False,0.00359,0.013013,SOA_2015_VBT,SOA_Scale_MP2023,2.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00359,0.02,False,,1.0,False,,,,0.04,0.0825,False,normal_rate,5.79,0.59,False,False,False,False,False,0.775,54.6,51.6,super_preferred_longevity,94.2,baseline,1.287,0.39,False,,False,,497652.74,30503.61,27231.64,29068.96,6903.88,False,0,0.61,-15.9
LI-2024-INS004-000019,2020-12-28,4,24,28,1996,male,never_smoker,34.1,60,174,AR,USA,married,some_college,professional,22986.71,0.6063,full_paramedical,115,71,144,63,2.29,98,5.5,False,103.4,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-347,2.25,whole_life,100000,monthly,596.52,,none,435.75,,,False,none,independent_broker,False,False,False,0.001334,0.01109,SOA_2015_VBT,SOA_Scale_MP2023,2.451,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001667,0.022,True,0.00601,1.0,False,,,,0.04,0.0486,False,normal_rate,3.79,1.45,False,False,False,False,False,0.752,70.0,54.2,super_preferred_longevity,100.0,baseline,1.045,0.559,False,,True,-0.507,99564.25,5087.16,4434.11,4772.16,1133.39,False,0,-1.9,-11.47
LI-2024-INS004-000020,2021-12-02,5,76,81,1945,female,former_smoker,20.3,72,149,IA,USA,married,some_college,white_collar,33699.71,0.3352,limited_exam,130,80,192,55,3.49,108,5.5,False,75.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-213,1.25,term_life,250000,quarterly,2412.68,20.0,none,,,,False,none,captive_agent,False,False,False,0.066944,0.132273,SOA_2015_VBT,SOA_Scale_MP2023,1.324,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016736,0.008,True,0.00487,1.0,False,,,,0.07,0.1002,False,normal_rate,4.33,2.37,False,False,False,False,False,0.931,13.7,8.7,sub_standard_longevity,30.6,baseline,1.249,0.295,False,,False,,250000.0,9179.49,8581.08,8396.13,6765.15,False,0,3.03,11.33
LI-2024-INS004-000021,2012-09-12,13,23,36,1989,male,never_smoker,28.0,63,158,UT,USA,married,high_school,white_collar,32260.28,0.5305,full_paramedical,147,86,228,52,4.38,129,4.9,False,81.9,,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-253,2.0,term_life,250000,semi_annual,1463.89,20.0,none,,,,False,none,independent_broker,False,False,False,0.00201,0.006965,SOA_2015_VBT,SOA_Scale_MP2023,2.237,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.02,False,,1.0,False,,,,0.03,0.0383,False,normal_rate,2.78,2.14,False,False,False,False,False,0.861,70.0,55.0,super_preferred_longevity,100.0,baseline,1.102,0.634,False,,False,,250000.0,12156.8,10463.35,11711.12,2781.39,False,0,-2.33,-14.0
LI-2024-INS004-000022,2007-06-04,12,80,92,1927,female,unknown,30.0,63,169,LA,USA,single,high_school,professional,94568.34,0.9057,simplified_issue,167,103,224,51,4.39,79,5.3,False,63.0,,False,False,False,False,False,none,,none,none,none,7,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,37,UW-404,2.0,group_life,100000,annual,1703.87,,none,,,,True,none,bank,False,False,False,0.111126,0.312049,SOA_2015_VBT,SOA_Scale_MP2023,2.203,neurological,True,2007-10-04,True,True,75791.67,0.0007,5e-05,1.095,0.111126,0.012,False,,1.0,False,,,,0.1,0.0975,False,normal_rate,3.36,1.55,False,False,False,False,False,0.805,9.6,1.0,sub_standard_longevity,27.6,baseline,0.821,1.0,False,,False,,100000.0,694.32,640.93,681.55,5827.23,False,0,0.3,-10.13
LI-2024-INS004-000023,2019-01-24,5,68,73,1951,male,unknown,27.5,61,145,MT,USA,married,high_school,hazardous,62167.3,0.4338,accelerated_UW,137,88,241,39,6.18,74,5.7,False,77.5,3.22,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,substandard_table_2,4.01,2.0,True,False,False,True,53,UW-334,1.5,indexed_ul,500000,quarterly,5079.26,,10yr_declining,3565.72,,,False,none,direct_to_consumer,False,False,False,0.036575,0.083805,SOA_2015_VBT,SOA_Scale_MP2023,1.525,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018287,0.012,False,,1.0,False,,,,0.08,0.0682,False,normal_rate,3.64,2.88,False,False,False,False,False,0.843,19.3,17.0,standard_longevity,44.5,baseline,1.175,0.451,True,86.0,False,,496434.28,34068.39,34501.59,34538.97,10869.62,False,0,4.55,9.58
LI-2024-INS004-000024,2004-09-02,18,55,73,1949,female,current_smoker,28.9,64,168,TX,USA,divorced,some_college,white_collar,26468.04,0.4596,full_paramedical,153,92,211,32,6.59,120,5.6,True,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-499,2.0,universal_life,1000000,quarterly,12877.12,,15yr_declining,16172.13,,,True,none,direct_to_consumer,False,False,False,0.05299,0.181978,SOA_2015_VBT,SOA_Scale_MP2023,2.107,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.05299,0.008,False,,1.0,False,,,,0.04,0.0746,False,normal_rate,5.3,0.86,False,False,False,False,False,0.844,35.8,17.8,standard_longevity,46.1,baseline,1.155,0.467,False,,False,,983827.87,84199.14,87659.8,91685.09,26732.9,False,0,-1.26,-0.81
LI-2024-INS004-000025,2014-06-06,5,41,46,1973,female,former_smoker,18.6,67,118,AR,USA,single,bachelors,white_collar,57271.7,0.673,limited_exam,102,67,203,48,4.23,76,,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,standard,,,False,True,False,False,22,UW-029,1.0,term_life,500000,semi_annual,1731.75,15.0,none,,,,False,none,direct_to_consumer,True,False,False,0.004101,0.004171,SOA_2015_VBT,SOA_Scale_MP2023,1.022,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.1138,False,normal_rate,5.97,2.58,False,False,False,False,False,0.966,58.1,52.6,super_preferred_longevity,100.0,baseline,0.995,0.628,False,,True,-0.319,500000.0,12520.53,14328.26,13854.0,3290.32,False,0,1.87,17.48
LI-2024-INS004-000026,2018-07-19,7,43,50,1975,male,never_smoker,24.4,70,170,SC,USA,married,bachelors,professional,20000.0,0.2931,full_paramedical,125,80,239,61,3.92,85,,False,76.2,2.85,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,9,UW-089,0.83,universal_life,1000000,annual,3640.89,,10yr_declining,2832.87,,,True,facultative,independent_broker,False,False,False,0.005359,0.005249,SOA_2015_VBT,SOA_Scale_MP2023,0.765,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0396,False,normal_rate,3.17,2.06,False,False,False,False,False,0.819,47.9,38.1,preferred_longevity,74.0,baseline,1.28,0.142,True,9.0,False,,997167.13,28790.46,26522.11,29127.12,6917.69,False,0,7.13,26.06
LI-2024-INS004-000027,2001-06-17,10,22,32,1979,male,never_smoker,26.1,71,187,CA,USA,married,graduate,heavy_blue_collar,94963.28,0.8208,full_paramedical,119,64,203,44,4.61,70,,False,86.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,1.4,,False,False,False,False,17,UW-269,0.66,whole_life,250000,semi_annual,427.41,,none,393.77,,,False,none,bank,False,False,False,0.001611,0.000878,SOA_2015_VBT,SOA_Scale_MP2023,0.616,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.0209,False,normal_rate,2.2,1.21,False,False,False,False,False,0.785,70.0,55.0,super_preferred_longevity,100.0,baseline,0.884,0.843,False,,False,,249606.23,3305.32,3304.9,3419.28,812.08,False,0,6.29,32.71
LI-2024-INS004-000028,2011-05-21,13,62,75,1949,male,current_smoker,31.1,62,170,MO,USA,married,some_college,white_collar,29757.03,0.3712,full_paramedical,146,88,206,61,3.38,82,,True,49.5,9.63,False,False,False,False,False,none,,none,severe_gold_3,none,17,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,7,UW-080,3.25,term_life,1000000,monthly,22059.62,15.0,none,,,,True,facultative,independent_broker,True,False,False,0.078885,0.525662,SOA_2015_VBT,SOA_Scale_MP2023,3.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.177492,0.008,False,,1.0,False,,,,0.03,0.0421,False,normal_rate,1.82,2.58,False,False,False,False,False,0.809,24.5,12.8,standard_longevity,37.3,baseline,1.222,0.306,True,66.3,False,,1000000.0,110931.63,111281.86,112945.25,54619.62,False,0,-2.18,-20.0
LI-2024-INS004-000029,2014-10-10,12,66,78,1948,female,never_smoker,23.2,61,123,NM,USA,divorced,high_school,white_collar,62243.99,0.4072,limited_exam,133,78,238,59,4.03,77,5.2,False,80.0,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-265,2.25,indexed_ul,250000,semi_annual,3962.56,,10yr_declining,3764.99,,,False,none,captive_agent,False,False,False,0.040662,0.161382,SOA_2015_VBT,SOA_Scale_MP2023,2.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050827,0.008,False,,1.0,True,2026-01-16,voluntary_surrender,12.0,0.04,0.055,False,normal_rate,4.62,1.47,False,False,False,False,False,0.76,24.5,12.7,standard_longevity,37.7,baseline,1.195,0.351,True,39.8,False,,246235.01,19466.69,17698.32,20129.8,9843.0,False,0,1.56,-18.0
LI-2024-INS004-000030,2015-12-27,12,26,38,1989,male,never_smoker,15.0,62,90,IN,USA,divorced,some_college,professional,41485.72,0.4547,full_paramedical,92,73,135,59,2.29,75,5.0,False,100.1,,False,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,declined,,,False,False,True,False,25,UW-074,7.0,term_life,100000,annual,2279.51,20.0,none,,,,False,none,independent_broker,False,False,False,0.00227,0.032436,SOA_2015_VBT,SOA_Scale_MP2023,7.15,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013622,0.02,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,4.14,1.77,True,False,False,False,False,0.839,67.8,64.8,super_preferred_longevity,100.0,baseline,1.159,0.208,True,83.8,False,,100000.0,17773.99,18226.29,18236.08,4331.07,False,0,-5.0,-20.0
LI-2024-INS004-000031,2002-06-08,22,64,86,1938,female,former_smoker,26.9,69,182,FL,USA,single,some_college,light_blue_collar,80572.82,0.4303,full_paramedical,160,101,212,46,4.61,90,5.4,False,,,True,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,19,UW-204,1.0,annuity_immediate,500000,monthly,3357.42,,none,,,,False,none,direct_to_consumer,False,False,False,0.105392,0.135614,SOA_2015_VBT,SOA_Scale_MP2023,1.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.002,0.005,False,normal_rate,0.85,1.42,False,False,False,False,False,0.874,24.8,2.8,sub_standard_longevity,23.2,baseline,1.177,0.466,False,,False,,500000.0,4116.58,3569.44,3760.31,10998.91,False,0,5.4,16.36
LI-2024-INS004-000032,2016-05-26,7,23,30,1993,male,never_smoker,26.1,65,156,MA,USA,single,some_college,white_collar,169539.62,0.9307,accelerated_UW,99,61,188,59,3.19,103,,False,96.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,48,UW-074,2.25,indexed_ul,1000000,annual,5569.84,,15yr_declining,4632.75,,,True,quota_share,captive_agent,False,False,False,0.00146,0.004566,SOA_2015_VBT,SOA_Scale_MP2023,2.341,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,False,,1.0,False,,,,0.06,0.0258,False,normal_rate,1.73,1.61,False,False,False,False,False,0.756,70.0,55.0,super_preferred_longevity,100.0,baseline,0.802,1.0,False,,False,,995367.25,42586.46,46434.82,44558.72,10582.7,False,0,0.17,-8.45
LI-2024-INS004-000033,2005-08-17,18,42,60,1963,male,former_smoker,31.0,74,241,SC,USA,married,graduate,professional,368263.61,0.597,non_med_guaranteed,143,83,220,43,5.12,107,5.3,False,,2.21,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,25,UW-475,1.0,universal_life,250000,annual,1210.14,,15yr_declining,1474.27,,,False,none,independent_broker,False,False,False,0.015398,0.016461,SOA_2015_VBT,SOA_Scale_MP2023,1.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0489,False,normal_rate,5.04,0.82,False,False,False,False,False,0.852,48.0,30.0,preferred_longevity,66.5,baseline,1.052,0.553,False,,False,,248525.73,9639.81,9024.34,9681.12,2299.27,False,0,2.39,17.07
LI-2024-INS004-000034,2018-02-05,6,80,86,1938,female,never_smoker,33.3,68,219,FL,USA,divorced,bachelors,white_collar,130463.13,0.6279,full_paramedical,133,79,240,54,4.44,88,4.3,False,69.2,,False,False,False,False,True,breast,4.7,none,none,none,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,38,UW-065,2.0,universal_life,1000000,monthly,12769.67,,10yr_declining,9746.79,,,True,excess_of_loss,independent_broker,False,False,False,0.081071,0.252015,SOA_2015_VBT,SOA_Scale_MP2023,2.049,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.081071,0.005,False,,1.0,False,,,,0.06,0.0323,False,normal_rate,6.67,0.7,False,False,False,False,False,0.758,9.6,3.6,sub_standard_longevity,27.3,baseline,1.029,0.806,False,,False,,990253.21,18653.62,17903.27,18388.32,41016.18,False,0,1.93,-3.62
LI-2024-INS004-000035,2020-09-10,3,59,62,1961,male,former_smoker,29.9,72,220,CA,USA,married,high_school,white_collar,73144.71,0.2045,limited_exam,127,78,241,74,3.26,110,5.0,False,77.4,6.19,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-073,2.0,term_life,250000,annual,2689.84,20.0,none,,,,False,none,independent_broker,False,False,False,0.017723,0.070719,SOA_2015_VBT,SOA_Scale_MP2023,2.067,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017723,0.015,True,0.00367,1.0,False,,,,0.07,0.1506,False,normal_rate,2.29,1.75,False,False,False,False,False,0.992,29.2,23.7,standard_longevity,51.1,baseline,1.347,0.287,False,,True,-1.655,250000.0,23434.89,20466.22,21518.72,5110.7,False,0,-1.08,-9.07
LI-2024-INS004-000036,2006-10-12,2,21,23,1985,male,never_smoker,20.4,75,163,AL,USA,divorced,some_college,white_collar,45769.46,0.9152,simplified_issue,108,50,182,53,3.43,94,5.9,False,112.0,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,7,UW-102,0.56,universal_life,500000,annual,469.9,,15yr_declining,296.83,,,False,none,employer_group,False,False,False,0.001103,0.000543,SOA_2015_VBT,SOA_Scale_MP2023,0.605,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0418,False,normal_rate,2.28,1.48,False,False,False,False,False,0.891,70.0,55.0,super_preferred_longevity,100.0,baseline,0.814,0.967,False,,False,,499703.17,3766.5,3563.61,3759.2,892.81,False,0,4.05,29.13
LI-2024-INS004-000037,2015-01-12,11,39,50,1976,male,never_smoker,27.5,69,186,WA,USA,divorced,bachelors,light_blue_collar,67955.26,0.4775,simplified_issue,125,78,285,39,7.31,117,4.1,False,60.1,0.96,True,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-057,1.5,term_life,500000,annual,3071.66,20.0,none,,,,False,none,independent_broker,False,False,False,0.005359,0.011908,SOA_2015_VBT,SOA_Scale_MP2023,1.508,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00268,0.018,False,,1.0,False,,,,0.03,0.0395,False,normal_rate,3.09,1.8,False,False,False,False,False,0.883,52.7,41.7,super_preferred_longevity,82.2,baseline,1.142,0.44,False,,False,,500000.0,26817.73,23146.38,24573.28,5836.15,False,0,0.94,-0.31
LI-2024-INS004-000038,2017-06-22,5,67,72,1950,female,never_smoker,21.9,61,115,MD,USA,single,graduate,professional,243243.03,0.5356,full_paramedical,140,80,195,59,3.31,71,,False,82.6,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-412,2.0,term_life,100000,monthly,1064.11,30.0,none,,,,False,none,captive_agent,False,False,False,0.023034,0.075806,SOA_2015_VBT,SOA_Scale_MP2023,2.086,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023034,0.012,False,,1.0,False,,,,0.07,0.089,False,normal_rate,4.48,1.18,False,False,False,False,False,0.808,24.6,19.8,standard_longevity,50.2,baseline,1.098,0.559,True,36.2,False,,100000.0,9110.71,7543.97,8427.75,2038.83,False,0,4.79,-5.7
LI-2024-INS004-000039,2003-07-11,16,63,79,1940,male,former_smoker,22.0,60,112,HI,USA,married,graduate,hazardous,35391.02,0.399,non_med_guaranteed,119,66,190,68,2.79,64,5.5,False,53.5,13.57,False,False,False,False,False,none,,none,none,bipolar,2,False,True,False,True,True,substandard_table_4,4.8,4.0,True,False,False,False,44,UW-479,2.0,group_life,5000000,quarterly,64407.02,,none,,,,True,coinsurance,employer_group,False,False,False,0.067592,0.238354,SOA_2015_VBT,SOA_Scale_MP2023,2.104,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.067592,0.008,False,,1.0,False,,,,0.1,0.1657,False,normal_rate,0.9,0.77,False,False,False,True,False,0.963,22.2,6.2,sub_standard_longevity,27.8,baseline,1.201,0.42,False,,False,,5000000.0,159534.94,165753.14,159729.41,193478.69,False,0,0.41,-8.19
LI-2024-INS004-000040,2014-05-07,2,69,71,1945,male,current_smoker,29.7,68,195,AL,USA,married,bachelors,light_blue_collar,58098.33,0.7944,full_paramedical,153,96,170,35,4.86,107,5.3,True,72.3,4.72,False,False,True,False,False,none,,none,moderate_gold_2,schizophrenia,0,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,45,UW-489,2.75,term_life,500000,semi_annual,7641.82,20.0,none,,,,False,none,independent_broker,False,False,False,0.053857,0.231041,SOA_2015_VBT,SOA_Scale_MP2023,2.809,infectious,True,2016-04-09,True,False,627218.91,0.0007,5e-05,1.095,0.09425,0.008,False,,1.0,False,,,,0.07,0.0745,False,normal_rate,3.92,1.24,False,False,False,False,False,0.854,21.6,19.0,preferred_longevity,62.9,baseline,0.904,0.85,True,22.4,False,,500000.0,60955.41,56402.16,58077.83,15130.8,False,0,1.44,-15.37
LI-2024-INS004-000041,2017-08-25,4,52,56,1965,female,current_smoker,25.4,67,162,CO,USA,married,some_college,heavy_blue_collar,91267.49,0.5759,full_paramedical,126,82,219,28,7.82,88,,True,84.4,,False,False,True,False,False,none,,none,severe_gold_3,anxiety,3,False,False,False,False,False,substandard_table_9,1.01,9.0,False,False,False,False,17,UW-068,3.25,whole_life,500000,quarterly,6678.1,,none,4539.21,,,False,none,direct_to_consumer,False,False,False,0.01395,0.089554,SOA_2015_VBT,SOA_Scale_MP2023,3.904,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031387,0.015,False,,1.0,False,,,,0.04,0.0694,False,normal_rate,2.77,0.66,False,False,False,False,False,0.942,45.3,40.5,super_preferred_longevity,91.9,baseline,1.068,0.484,True,26.9,False,,495460.79,48421.41,49779.81,53424.8,12688.39,False,0,-2.95,-20.0
LI-2024-INS004-000042,2024-11-24,2,59,61,1965,male,former_smoker,33.3,74,259,MO,USA,married,bachelors,heavy_blue_collar,28014.59,0.8439,full_paramedical,138,82,226,71,3.18,98,5.7,False,71.1,3.06,False,True,True,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,1.03,5.0,False,False,False,False,10,UW-236,2.25,term_life,250000,annual,3067.56,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.017282,0.058406,SOA_2015_VBT,SOA_Scale_MP2023,2.456,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021603,0.015,False,,1.0,False,,,,0.07,0.1004,False,normal_rate,5.62,0.75,True,False,False,True,False,0.809,35.3,31.0,super_preferred_longevity,81.7,baseline,0.867,0.804,False,,True,-1.558,250000.0,25721.08,22833.76,24540.48,5828.36,False,0,2.07,-8.5
LI-2024-INS004-000043,2006-01-05,10,50,60,1956,male,former_smoker,21.5,70,149,WY,USA,married,some_college,white_collar,125943.16,0.1618,limited_exam,110,66,236,56,4.21,105,,False,,6.5,False,False,False,False,False,none,,none,none,depression,7,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-344,1.25,term_life,500000,semi_annual,3067.43,20.0,none,,,,False,none,captive_agent,False,False,False,0.014236,0.02978,SOA_2015_VBT,SOA_Scale_MP2023,1.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003559,0.012,False,,1.0,False,,,,0.05,0.0785,False,normal_rate,4.77,1.66,False,False,False,False,False,0.833,37.0,27.0,standard_longevity,55.4,baseline,1.379,0.155,False,,False,,500000.0,23991.81,22110.01,24539.44,5828.12,False,0,3.86,2.4
LI-2024-INS004-000044,2002-08-28,3,41,44,1961,female,former_smoker,29.1,58,139,UT,USA,married,less_than_hs,professional,74403.86,0.3179,accelerated_UW,123,76,228,49,4.65,100,,False,99.3,,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard_plus,,,False,False,False,True,27,UW-145,0.92,term_life,500000,quarterly,1584.34,20.0,none,,,,False,none,worksite,True,False,False,0.003334,0.004017,SOA_2015_VBT,SOA_Scale_MP2023,0.955,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.1012,False,normal_rate,2.88,1.53,False,False,False,False,False,0.854,54.6,50.6,super_preferred_longevity,100.0,baseline,1.262,0.368,True,26.9,False,,500000.0,13776.81,12241.61,12674.72,3010.25,False,0,6.22,14.37
LI-2024-INS004-000045,2004-04-11,13,32,45,1972,female,never_smoker,26.6,66,164,UT,USA,married,bachelors,light_blue_collar,66701.84,0.9417,limited_exam,134,84,163,57,2.86,101,5.2,False,102.2,,False,False,False,False,False,none,,none,none,bipolar,2,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-343,2.0,term_life,100000,annual,784.23,15.0,none,,,,False,none,independent_broker,False,False,False,0.00293,0.008074,SOA_2015_VBT,SOA_Scale_MP2023,2.212,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00293,0.018,False,,1.0,False,,,,0.03,0.0284,False,normal_rate,2.68,2.78,False,True,False,False,False,0.884,65.0,52.0,super_preferred_longevity,100.0,baseline,0.794,1.0,False,,False,,100000.0,5667.44,6238.95,6273.84,1490.04,False,0,0.61,-4.92
LI-2024-INS004-000046,2009-01-17,14,70,84,1939,female,former_smoker,36.0,59,178,ND,USA,single,high_school,heavy_blue_collar,211855.08,0.5923,full_paramedical,137,78,214,43,4.98,109,5.8,False,56.0,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,0.53,5.0,False,False,False,False,15,UW-283,2.25,whole_life,1000000,annual,16796.11,,none,17485.7,,,True,quota_share,employer_group,False,False,False,0.089327,0.33338,SOA_2015_VBT,SOA_Scale_MP2023,2.351,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.111659,0.005,False,,1.0,False,,,,0.015,0.0221,False,normal_rate,3.3,2.23,False,False,False,False,False,0.915,19.6,5.6,sub_standard_longevity,29.8,baseline,1.056,0.51,False,,False,,982514.3,35970.67,36065.92,37623.29,51261.73,False,0,-0.33,-3.27
LI-2024-INS004-000047,2005-06-01,7,79,86,1926,female,former_smoker,34.4,69,233,CA,USA,married,bachelors,heavy_blue_collar,219013.1,0.3217,full_paramedical,153,91,221,43,5.14,101,4.7,False,76.6,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,1.11,2.0,False,False,False,False,22,UW-204,1.5,annuity_deferred,500000,monthly,5625.62,,none,4558.44,,,False,none,captive_agent,False,False,False,0.075354,0.194464,SOA_2015_VBT,SOA_Scale_MP2023,1.653,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037677,0.012,False,,1.0,False,,,,0.02,0.0289,False,normal_rate,4.76,1.24,False,False,False,False,False,0.847,8.1,1.1,sub_standard_longevity,19.0,baseline,1.259,0.266,False,,False,,495441.56,2615.81,2180.35,2475.27,19194.62,False,0,2.91,6.61
LI-2024-INS004-000048,2011-02-03,10,18,28,1993,male,former_smoker,19.2,63,108,ID,USA,married,bachelors,professional,206489.36,0.8458,limited_exam,118,74,194,63,3.08,113,5.1,False,,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,46,UW-087,2.0,term_life,500000,quarterly,2058.52,20.0,none,,,,False,none,captive_agent,False,False,False,0.001734,0.004931,SOA_2015_VBT,SOA_Scale_MP2023,2.13,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001734,0.022,False,,1.0,False,,,,0.05,0.0512,False,normal_rate,4.56,1.98,False,False,False,False,False,0.951,70.0,55.0,super_preferred_longevity,100.0,baseline,0.866,0.751,False,,False,,500000.0,15915.55,16040.62,16468.16,3911.19,False,0,1.48,-7.6
LI-2024-INS004-000049,2010-08-11,5,45,50,1965,male,never_smoker,31.3,66,194,ID,USA,widowed,graduate,white_collar,25625.38,0.2692,accelerated_UW,116,75,203,53,3.83,120,,False,94.8,2.73,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,26,UW-237,2.25,annuity_deferred,250000,monthly,2563.44,,none,2009.5,,,False,none,captive_agent,False,False,False,0.005359,0.022401,SOA_2015_VBT,SOA_Scale_MP2023,2.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.015,False,,1.0,False,,,,0.04,0.0831,False,normal_rate,4.71,1.56,False,False,False,False,False,0.967,44.0,39.0,preferred_longevity,75.0,baseline,1.298,0.422,False,,False,,247990.5,20648.48,21219.11,20507.52,4870.54,False,0,1.96,-17.69
LI-2024-INS004-000050,2013-09-02,6,68,74,1945,female,former_smoker,26.0,67,165,CO,USA,single,high_school,light_blue_collar,30734.86,0.4144,full_paramedical,132,81,242,36,6.72,96,5.2,False,,,False,True,True,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-229,2.25,term_life,500000,annual,7373.49,20.0,none,,,,False,none,captive_agent,False,False,False,0.0364,0.150342,SOA_2015_VBT,SOA_Scale_MP2023,2.422,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0455,0.008,False,,1.0,False,,,,0.05,0.0684,False,normal_rate,1.88,2.33,False,False,False,False,False,0.93,25.0,19.0,standard_longevity,57.2,baseline,1.189,0.384,False,,False,,500000.0,54338.31,48726.87,56038.52,14599.51,False,0,1.5,-13.06
LI-2024-INS004-000051,2014-06-03,1,37,38,1977,female,never_smoker,36.7,71,262,CT,USA,married,high_school,white_collar,55479.21,0.6232,non_med_guaranteed,134,89,185,44,4.2,95,5.7,False,,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-361,1.25,term_life,250000,quarterly,1081.86,25.0,none,,,,False,none,independent_broker,False,False,False,0.001816,0.002999,SOA_2015_VBT,SOA_Scale_MP2023,1.357,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000454,0.018,False,,1.0,False,,,,0.1,0.1201,False,normal_rate,3.94,1.72,False,False,False,False,False,0.864,59.5,55.0,super_preferred_longevity,100.0,baseline,1.033,0.571,False,,False,,250000.0,7987.12,7965.93,8654.88,2055.53,False,0,-1.07,12.21
LI-2024-INS004-000052,2005-11-23,10,69,79,1936,female,never_smoker,32.0,68,210,DE,USA,single,high_school,professional,142067.16,0.7952,limited_exam,140,80,250,49,5.1,90,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,12,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-318,2.25,term_life,500000,monthly,6690.23,10.0,none,,,,False,none,independent_broker,False,False,False,0.043966,0.147484,SOA_2015_VBT,SOA_Scale_MP2023,2.329,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054958,0.005,False,,1.0,False,,,,0.05,0.0532,False,normal_rate,4.55,1.72,False,False,False,False,False,0.792,21.0,11.0,standard_longevity,40.9,baseline,0.904,0.773,False,,False,,500000.0,28111.48,28186.58,29437.01,17528.4,False,0,0.77,-15.48
LI-2024-INS004-000053,2014-10-24,13,67,80,1947,female,never_smoker,31.5,67,201,WY,USA,married,graduate,professional,22430.84,0.7992,full_paramedical,145,85,209,48,4.35,94,5.6,False,65.9,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-398,2.25,indexed_ul,250000,monthly,4036.62,,15yr_declining,4021.25,,,False,none,direct_to_consumer,False,False,False,0.04799,0.161985,SOA_2015_VBT,SOA_Scale_MP2023,2.36,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.059987,0.008,False,,1.0,False,,,,0.04,0.0267,False,normal_rate,3.91,1.83,False,False,False,False,False,0.879,24.9,11.9,standard_longevity,42.3,baseline,0.901,0.845,False,,False,,245978.75,19493.82,19992.1,19214.31,10285.31,False,0,1.9,-8.58
LI-2024-INS004-000054,2021-02-05,4,79,83,1942,female,unknown,31.5,71,226,VT,USA,divorced,high_school,light_blue_collar,173394.05,0.5209,simplified_issue,135,94,229,33,6.94,103,4.9,False,78.6,,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-233,2.25,annuity_deferred,500000,monthly,6728.54,,none,4623.42,,,False,none,independent_broker,False,False,False,0.068686,0.273188,SOA_2015_VBT,SOA_Scale_MP2023,2.424,cardiovascular,True,2024-02-05,False,False,1650524.33,0.0007,5e-05,1.095,0.085857,0.008,True,0.00263,1.0,False,,,,0.04,0.0513,False,normal_rate,3.17,1.21,False,False,False,False,False,0.761,14.0,10.0,standard_longevity,45.3,baseline,1.109,0.518,False,,False,,495376.58,29035.83,26980.12,26914.16,18167.06,False,0,-0.38,-13.77
LI-2024-INS004-000055,2020-08-01,7,25,32,1995,male,never_smoker,41.1,73,311,VT,USA,divorced,graduate,professional,40267.79,0.8844,full_paramedical,130,77,211,35,6.03,145,5.2,False,100.3,,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,51,UW-349,2.0,whole_life,100000,annual,513.57,,none,395.1,,,False,none,captive_agent,False,False,False,0.001611,0.008987,SOA_2015_VBT,SOA_Scale_MP2023,2.019,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001611,0.022,True,0.00465,1.0,False,,,,0.02,0.0198,False,normal_rate,3.75,1.25,False,False,False,False,False,0.891,70.0,55.0,super_preferred_longevity,100.0,baseline,0.837,0.68,False,,False,,99604.9,4254.12,3548.49,4108.56,975.78,False,0,0.14,-4.91
LI-2024-INS004-000056,2019-11-06,6,46,52,1973,female,never_smoker,22.5,60,115,SC,USA,married,graduate,heavy_blue_collar,47816.2,0.7208,limited_exam,140,92,203,48,4.23,98,,False,,,False,True,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,1.19,5.0,False,False,False,False,24,UW-449,2.25,term_life,500000,semi_annual,5261.97,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.005027,0.018159,SOA_2015_VBT,SOA_Scale_MP2023,2.462,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006284,0.018,False,,1.0,False,,,,0.05,0.0562,False,normal_rate,2.8,1.82,False,False,False,False,False,0.841,50.3,44.3,super_preferred_longevity,89.8,baseline,0.959,0.83,False,,False,,500000.0,45133.51,40566.68,42095.76,9997.74,False,0,2.9,-11.03
LI-2024-INS004-000057,2021-03-25,1,48,49,1973,male,never_smoker,26.4,68,173,AR,USA,divorced,some_college,professional,171754.7,0.3465,full_paramedical,113,66,224,62,3.61,141,5.2,False,74.3,3.04,False,False,False,False,False,none,,none,none,none,22,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,24,UW-330,1.75,term_life,1000000,annual,7916.03,25.0,none,,,,True,none,independent_broker,False,False,False,0.004956,0.020464,SOA_2015_VBT,SOA_Scale_MP2023,1.959,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003717,0.018,True,0.00471,1.0,False,,,,0.1,0.1423,False,normal_rate,3.64,2.35,False,False,False,False,False,0.946,42.8,41.8,super_preferred_longevity,80.4,baseline,1.24,0.408,False,,False,,1000000.0,69065.98,60453.21,63328.24,15040.46,False,0,1.49,-6.07
LI-2024-INS004-000058,2023-05-06,2,41,43,1982,female,former_smoker,18.8,69,127,WY,USA,divorced,some_college,heavy_blue_collar,82403.11,0.9433,full_paramedical,106,67,223,74,3.01,74,5.6,False,88.0,,True,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,preferred,1.17,,False,False,False,False,14,UW-197,0.75,group_life,250000,annual,766.33,,none,,,,False,none,bank,False,False,False,0.003298,0.001973,SOA_2015_VBT,SOA_Scale_MP2023,0.755,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.15,0.1418,False,normal_rate,1.54,1.3,False,False,False,False,False,0.879,57.7,56.7,super_preferred_longevity,100.0,baseline,0.793,1.0,True,43.5,False,,250000.0,5582.16,5484.7,6130.64,1456.03,False,0,5.07,28.51
LI-2024-INS004-000059,2001-07-03,15,74,89,1927,female,former_smoker,21.1,62,115,OK,USA,married,some_college,white_collar,180131.57,0.6345,non_med_guaranteed,140,88,209,39,5.36,86,,False,63.6,,False,False,False,False,False,none,,none,none,bipolar,2,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-278,2.0,term_life,1000000,annual,16878.63,30.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.098145,0.309523,SOA_2015_VBT,SOA_Scale_MP2023,2.103,other,True,2013-05-22,False,False,1756842.67,0.0007,5e-05,1.095,0.098145,0.012,False,,1.0,False,,,,0.03,0.0501,False,normal_rate,4.77,1.2,False,False,False,False,False,0.937,14.5,1.0,sub_standard_longevity,23.5,baseline,1.024,0.749,False,,False,,1000000.0,7285.59,6357.78,6751.45,57724.92,False,0,0.78,-12.88
LI-2024-INS004-000060,2018-02-17,7,26,33,1992,male,never_smoker,21.3,73,161,FL,USA,single,high_school,light_blue_collar,21253.03,0.934,full_paramedical,112,69,151,65,2.32,77,,False,74.8,,True,False,True,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-494,1.25,universal_life,500000,monthly,1714.36,,15yr_declining,1450.89,,,False,none,bank,False,False,False,0.001698,0.002162,SOA_2015_VBT,SOA_Scale_MP2023,1.28,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000424,0.022,False,,1.0,False,,,,0.06,0.0257,False,normal_rate,2.99,2.28,False,False,False,False,False,0.988,70.0,55.8,super_preferred_longevity,100.0,baseline,0.799,0.986,True,38.2,False,,498549.11,14592.88,12134.56,13714.88,3257.28,False,0,5.45,18.61
LI-2024-INS004-000061,2014-09-24,4,53,57,1961,male,never_smoker,34.2,64,199,AR,USA,divorced,graduate,professional,55736.02,0.4543,simplified_issue,131,77,223,38,5.87,103,4.8,False,79.2,3.49,False,False,False,False,False,none,,none,none,depression,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,17,UW-483,1.25,whole_life,250000,monthly,1527.84,,none,1101.43,,,True,excess_of_loss,captive_agent,False,False,False,0.008921,0.017247,SOA_2015_VBT,SOA_Scale_MP2023,1.452,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00223,0.015,False,,1.0,True,2025-12-16,non_payment,4.0,0.04,0.0535,False,normal_rate,4.6,1.75,False,False,True,False,False,0.812,36.2,32.2,preferred_longevity,67.6,baseline,1.159,0.489,False,,False,,248898.57,12571.44,12338.1,12222.72,2902.9,False,0,-2.79,15.38
LI-2024-INS004-000062,2017-01-13,6,68,74,1949,male,former_smoker,39.0,71,279,NC,USA,married,high_school,heavy_blue_collar,53547.71,0.8829,accelerated_UW,138,97,231,43,5.37,119,8.4,False,74.8,6.55,False,False,False,True,False,none,,type_2,none,depression,2,False,False,True,False,True,substandard_table_6,0.77,6.0,False,False,False,True,45,UW-295,2.5,indexed_ul,1000000,monthly,14895.33,,10yr_declining,10991.79,,,True,facultative,employer_group,False,False,False,0.046986,0.176925,SOA_2015_VBT,SOA_Scale_MP2023,2.704,other,True,2020-12-24,False,False,1072911.29,0.0007,5e-05,1.095,0.070479,0.008,False,,1.0,False,,,,0.06,0.0322,False,normal_rate,4.66,2.7,False,False,False,False,False,0.882,20.5,14.5,standard_longevity,47.5,baseline,0.838,0.914,False,,False,,989008.21,81773.02,77214.68,86392.91,34855.07,False,0,0.63,-18.23
LI-2024-INS004-000063,2000-06-20,26,30,56,1970,male,current_smoker,28.6,70,199,GA,USA,married,graduate,professional,85766.41,0.3204,full_paramedical,121,76,243,47,5.17,104,5.8,True,88.8,3.17,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,25,UW-496,2.75,whole_life,2000000,semi_annual,26712.54,,none,46361.01,,,True,quota_share,captive_agent,False,False,False,0.017437,0.092655,SOA_2015_VBT,SOA_Scale_MP2023,2.829,cancer,True,2026-03-02,False,False,1930451.84,0.0007,5e-05,1.095,0.030515,0.018,False,,1.0,False,,,,0.015,0.0217,False,normal_rate,4.93,2.8,False,False,False,True,False,0.809,60.2,34.2,preferred_longevity,68.6,baseline,1.26,0.198,False,,False,,1953638.99,198341.39,213501.29,213700.32,50753.83,False,0,1.4,-20.0
LI-2024-INS004-000064,2010-03-21,3,74,77,1936,female,current_smoker,26.4,69,178,NH,USA,single,high_school,heavy_blue_collar,179973.6,0.5698,full_paramedical,123,67,267,43,6.21,79,4.3,True,63.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_7,1.15,7.0,False,False,False,False,8,UW-232,2.75,term_life,1000000,monthly,16865.72,15.0,none,,,,True,none,independent_broker,False,False,False,0.073885,0.360877,SOA_2015_VBT,SOA_Scale_MP2023,2.922,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.129299,0.005,False,,1.0,False,,,,0.07,0.0871,False,normal_rate,1.91,0.73,False,False,False,False,False,0.972,15.1,12.4,standard_longevity,39.6,baseline,1.073,0.5,False,,True,0.17,1000000.0,91056.38,73866.41,83653.97,42299.23,False,0,3.07,-20.0
LI-2024-INS004-000065,2005-01-04,7,39,46,1966,female,never_smoker,15.6,66,96,WA,USA,married,bachelors,light_blue_collar,34669.17,0.4354,full_paramedical,102,54,231,41,5.63,117,,False,,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,declined,,,False,False,True,False,5,UW-243,7.0,indexed_ul,500000,quarterly,13127.81,,10yr_declining,10361.15,5543.22,0.535,False,none,independent_broker,False,False,False,0.003155,0.0433,SOA_2015_VBT,SOA_Scale_MP2023,6.584,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018927,0.015,False,,1.0,False,,,,0.06,0.0219,False,normal_rate,4.21,1.17,False,False,False,False,False,0.993,54.8,47.8,super_preferred_longevity,90.7,baseline,1.173,0.521,False,,False,,489638.85,101741.4,100641.97,105022.48,24942.84,False,0,-5.0,-20.0
LI-2024-INS004-000066,2018-04-18,7,21,28,1997,female,never_smoker,28.6,66,177,NM,USA,married,high_school,light_blue_collar,56949.8,0.5484,simplified_issue,107,59,204,63,3.24,111,,False,77.2,,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred,,,False,False,False,False,28,UW-035,0.81,term_life,500000,quarterly,1049.62,20.0,none,,,,False,none,direct_to_consumer,True,False,False,0.001067,0.000977,SOA_2015_VBT,SOA_Scale_MP2023,0.841,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.0883,False,normal_rate,2.78,1.92,False,False,False,False,True,0.967,70.0,53.4,super_preferred_longevity,100.0,baseline,1.089,0.535,True,23.3,False,,500000.0,8866.43,8456.99,8396.96,1994.28,False,0,1.94,22.5
LI-2024-INS004-000067,2011-07-09,16,42,58,1969,female,never_smoker,31.0,60,158,GA,USA,married,bachelors,professional,262314.96,0.5695,full_paramedical,135,91,221,43,5.14,101,5.4,False,81.6,,False,False,False,False,True,colorectal,1.3,none,none,depression,0,False,False,False,True,True,standard,,,False,True,False,False,26,UW-499,1.0,universal_life,1000000,monthly,4622.65,,15yr_declining,5348.13,2422.7,0.453,True,quota_share,independent_broker,False,False,False,0.008245,0.009616,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,True,2025-08-21,non_payment,16.0,0.04,0.1101,True,normal_rate,3.55,2.7,True,False,False,False,False,0.926,52.8,36.8,preferred_longevity,76.2,baseline,1.073,0.429,False,,False,,994651.87,36659.08,38224.0,36981.2,8783.03,False,0,1.01,25.55
LI-2024-INS004-000068,2008-06-27,17,47,64,1961,male,former_smoker,23.7,60,121,NY,USA,married,high_school,professional,33700.71,0.4546,limited_exam,119,68,273,41,6.66,97,5.5,False,83.0,3.15,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-106,1.5,term_life,500000,monthly,4354.91,10.0,none,,,,True,coinsurance,bank,False,False,False,0.021051,0.051078,SOA_2015_VBT,SOA_Scale_MP2023,1.662,respiratory,True,2014-02-24,False,False,1427534.36,0.0007,5e-05,1.095,0.010526,0.015,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,3.34,2.74,False,False,False,False,False,0.896,42.2,29.3,preferred_longevity,63.3,baseline,1.159,0.617,True,79.5,False,,500000.0,34983.08,33958.59,34839.28,8274.33,False,0,3.04,-1.01
LI-2024-INS004-000069,2000-09-22,27,79,106,1921,female,never_smoker,36.0,67,230,MD,USA,married,some_college,light_blue_collar,20000.0,0.6589,simplified_issue,139,74,278,54,5.15,109,5.0,False,37.5,,False,True,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-336,1.25,whole_life,250000,quarterly,3105.99,,none,5592.39,,,False,none,direct_to_consumer,False,False,False,0.249006,0.384088,SOA_2015_VBT,SOA_Scale_MP2023,1.285,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.062251,0.012,False,,1.0,False,,,,0.015,0.0246,False,normal_rate,4.18,2.85,False,False,False,False,False,0.868,8.7,1.0,sub_standard_longevity,23.9,baseline,1.006,0.557,True,43.4,False,,244407.61,1256.87,1129.04,1242.4,10622.49,False,0,0.55,10.42
LI-2024-INS004-000070,2023-05-24,2,69,71,1954,female,former_smoker,28.2,68,185,MN,USA,single,graduate,professional,32338.75,0.8958,full_paramedical,112,71,256,37,6.92,118,5.4,False,66.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-212,2.25,term_life,2000000,quarterly,24539.87,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.028796,0.091919,SOA_2015_VBT,SOA_Scale_MP2023,2.345,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035996,0.012,False,,1.0,False,,,,0.07,0.0688,False,normal_rate,3.43,1.72,False,False,False,False,False,0.792,24.6,21.1,standard_longevity,57.6,baseline,0.828,0.959,False,,True,-0.991,2000000.0,187426.81,196758.45,196318.96,46625.75,False,0,1.16,-13.74
LI-2024-INS004-000071,2024-03-16,1,68,69,1956,male,never_smoker,36.2,73,274,NM,USA,married,less_than_hs,white_collar,46843.88,0.9098,full_paramedical,135,75,232,51,4.55,104,5.7,False,,4.93,False,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-486,1.25,term_life,1000000,monthly,6909.32,20.0,none,,,,True,coinsurance,employer_group,False,False,False,0.023822,0.034315,SOA_2015_VBT,SOA_Scale_MP2023,1.456,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005955,0.012,False,,1.0,False,,,,0.1,0.1167,False,normal_rate,3.66,2.8,False,False,False,False,False,0.792,25.0,24.0,preferred_longevity,72.1,baseline,0.818,0.895,False,,False,,1000000.0,57862.26,53502.38,55274.56,13127.71,False,0,4.91,17.86
LI-2024-INS004-000072,2011-12-21,2,68,70,1943,male,never_smoker,23.2,61,122,AR,USA,married,bachelors,white_collar,20640.57,0.2127,full_paramedical,136,99,211,62,3.4,95,,False,73.8,7.78,False,True,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-262,2.25,universal_life,250000,annual,2942.74,,10yr_declining,2010.41,,,False,none,captive_agent,False,False,False,0.024283,0.107012,SOA_2015_VBT,SOA_Scale_MP2023,2.355,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030354,0.008,False,,1.0,True,2025-09-12,non_payment,2.0,0.08,0.0771,False,normal_rate,3.15,1.33,True,False,False,False,False,0.878,16.9,14.9,standard_longevity,38.0,baseline,1.34,0.27,False,,False,,247989.59,16308.02,15223.91,17538.73,6791.84,False,0,-0.01,-13.15
LI-2024-INS004-000073,2023-12-04,3,75,78,1948,female,never_smoker,26.7,62,145,AR,USA,single,high_school,professional,23148.14,0.5557,full_paramedical,137,83,226,75,3.01,90,,False,63.2,,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-048,1.25,term_life,500000,quarterly,3978.29,15.0,none,,,,False,none,independent_broker,False,False,False,0.040662,0.068173,SOA_2015_VBT,SOA_Scale_MP2023,1.317,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010165,0.008,False,,1.0,False,,,,0.07,0.0879,False,normal_rate,4.14,0.83,False,False,False,False,False,0.892,16.1,13.1,standard_longevity,40.5,baseline,1.083,0.449,False,,False,,500000.0,22560.75,19731.7,20846.24,9754.77,False,0,1.78,10.97
LI-2024-INS004-000074,2014-03-20,13,42,55,1972,male,never_smoker,26.5,64,154,NY,USA,single,some_college,white_collar,62650.06,0.9344,full_paramedical,120,68,204,39,5.23,100,,False,100.9,5.11,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-329,1.25,term_life,1000000,annual,6579.86,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.008025,0.010575,SOA_2015_VBT,SOA_Scale_MP2023,1.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002006,0.018,False,,1.0,False,,,,0.03,0.0343,False,normal_rate,2.67,1.73,False,False,False,False,False,0.809,51.0,40.5,super_preferred_longevity,87.3,baseline,0.799,0.878,True,53.7,False,,1000000.0,54147.69,48988.66,52638.88,12501.73,False,0,2.27,13.58
LI-2024-INS004-000075,2014-08-26,8,54,62,1960,male,never_smoker,23.6,70,164,NY,USA,married,less_than_hs,professional,76264.27,0.4842,simplified_issue,128,70,235,58,4.05,126,5.7,False,76.5,3.01,False,False,False,False,False,none,,pre_diabetes,none,depression,0,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,56,UW-308,1.25,whole_life,1000000,annual,6911.6,,none,5623.54,,,True,quota_share,captive_agent,False,False,False,0.013428,0.023706,SOA_2015_VBT,SOA_Scale_MP2023,1.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003357,0.015,False,,1.0,False,,,,0.02,0.0263,False,normal_rate,4.69,0.91,False,False,False,False,False,0.983,35.1,27.1,preferred_longevity,60.4,baseline,1.137,0.367,False,,False,,994376.46,56518.66,49072.84,55292.8,13132.04,False,0,4.08,4.42
LI-2024-INS004-000076,2012-04-15,13,70,83,1942,male,never_smoker,31.7,73,240,SD,USA,divorced,bachelors,professional,37751.92,0.0838,accelerated_UW,134,74,236,47,5.02,114,5.2,False,56.8,15.46,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,49,UW-199,2.25,universal_life,1000000,monthly,14888.5,,15yr_declining,15490.46,,,True,none,independent_broker,False,False,False,0.074659,0.339352,SOA_2015_VBT,SOA_Scale_MP2023,2.293,cardiovascular,True,2015-04-13,False,False,1672512.24,0.0007,5e-05,1.095,0.093323,0.008,False,,1.0,False,,,,0.04,0.0294,False,normal_rate,3.31,1.87,False,False,False,False,False,0.922,14.3,1.3,sub_standard_longevity,15.7,baseline,1.437,0.0,False,,False,,984509.54,7292.54,7686.87,7742.02,50561.35,False,0,3.34,-16.74
LI-2024-INS004-000077,2021-03-23,2,59,61,1962,female,current_smoker,23.3,63,131,WI,USA,married,some_college,light_blue_collar,20000.0,0.314,full_paramedical,125,84,173,37,4.68,87,5.2,True,90.6,,True,True,False,False,False,none,,none,moderate_gold_2,depression,4,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,12,UW-350,2.5,term_life,1000000,monthly,12060.21,20.0,none,,,,True,none,captive_agent,False,False,False,0.020328,0.10629,SOA_2015_VBT,SOA_Scale_MP2023,2.696,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030492,0.015,True,0.0065,1.0,False,,,,0.07,0.1014,False,normal_rate,3.86,2.36,False,False,False,False,False,0.982,33.8,31.8,preferred_longevity,64.9,baseline,1.264,0.444,False,,False,,1000000.0,92383.88,94831.72,96481.68,22914.4,False,0,0.56,-14.74
LI-2024-INS004-000078,2012-07-26,11,80,91,1932,male,never_smoker,23.4,60,119,IL,USA,married,bachelors,light_blue_collar,86506.75,0.5514,full_paramedical,141,85,228,40,5.7,76,5.7,False,56.6,5.54,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-143,1.25,whole_life,250000,semi_annual,2446.07,,none,2366.79,,,False,none,independent_broker,False,False,False,0.149278,0.255294,SOA_2015_VBT,SOA_Scale_MP2023,1.344,respiratory,True,2023-01-10,False,False,622257.99,0.0007,5e-05,1.095,0.03732,0.005,False,,1.0,False,,,,0.015,0.0189,False,normal_rate,4.14,0.68,False,False,False,False,False,0.886,5.0,1.0,sub_standard_longevity,22.3,baseline,1.086,0.58,False,,False,,247633.21,1034.45,862.85,978.43,8365.56,False,0,1.44,9.33
LI-2024-INS004-000079,2012-02-12,15,32,47,1980,male,never_smoker,32.3,71,231,WI,USA,married,some_college,white_collar,97314.66,0.8088,full_paramedical,126,81,250,40,6.25,99,5.8,False,108.1,2.79,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,29,UW-395,1.5,term_life,1000000,monthly,5150.2,20.0,none,,,,True,none,worksite,False,False,False,0.004251,0.008688,SOA_2015_VBT,SOA_Scale_MP2023,1.728,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002125,0.02,False,,1.0,False,,,,0.03,0.0316,False,normal_rate,4.21,0.52,False,False,False,False,False,0.884,61.8,46.8,super_preferred_longevity,94.8,baseline,0.893,0.772,False,,False,,1000000.0,40577.06,35877.75,41201.6,9785.38,False,0,0.41,4.61
LI-2024-INS004-000080,2022-12-25,1,45,46,1977,female,never_smoker,17.2,65,103,AZ,USA,single,high_school,light_blue_collar,310197.88,0.5262,full_paramedical,113,71,215,67,3.21,75,5.1,False,90.4,,False,False,True,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-359,2.25,indexed_ul,500000,semi_annual,4350.52,,15yr_declining,2642.56,,,False,none,independent_broker,False,False,False,0.003155,0.018699,SOA_2015_VBT,SOA_Scale_MP2023,2.436,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,True,0.00626,1.0,False,,,,0.11,0.0633,False,normal_rate,3.33,1.05,False,False,False,True,False,0.972,54.1,53.1,super_preferred_longevity,100.0,baseline,1.105,0.615,False,,False,,497357.44,35737.23,31658.26,34804.16,8265.99,False,0,-1.08,-10.1
LI-2024-INS004-000081,2023-11-12,1,79,80,1944,female,never_smoker,30.8,59,152,OR,USA,married,some_college,professional,77731.8,0.5483,full_paramedical,134,83,183,52,3.52,110,6.1,False,82.9,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-436,2.25,universal_life,5000000,monthly,76655.18,,10yr_declining,51258.21,,,True,none,worksite,False,False,False,0.046847,0.180565,SOA_2015_VBT,SOA_Scale_MP2023,2.392,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058559,0.008,False,,1.0,False,,,,0.12,0.0681,False,normal_rate,4.18,1.21,False,False,False,False,False,0.788,11.4,10.4,standard_longevity,36.3,baseline,1.089,0.372,False,,False,,4948741.79,329053.04,315279.47,318885.55,204516.02,False,0,1.76,-9.85
LI-2024-INS004-000082,2018-06-26,7,38,45,1980,male,never_smoker,34.6,67,220,TN,USA,married,bachelors,light_blue_collar,102595.06,0.8211,full_paramedical,128,74,198,50,3.96,126,5.4,False,73.1,2.15,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-457,1.25,term_life,500000,quarterly,2417.78,10.0,none,,,,False,none,bank,False,False,False,0.003662,0.005025,SOA_2015_VBT,SOA_Scale_MP2023,1.269,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000916,0.02,False,,1.0,False,,,,0.05,0.0522,False,normal_rate,3.83,2.44,False,False,False,False,False,0.878,58.9,51.9,super_preferred_longevity,100.0,baseline,0.884,0.967,False,,False,,500000.0,18533.73,18238.58,19342.24,4593.78,False,0,0.79,8.52
LI-2024-INS004-000083,2012-06-17,11,18,29,1994,male,unknown,25.0,65,150,FL,USA,married,high_school,light_blue_collar,31061.52,0.8395,limited_exam,134,73,231,47,4.91,128,5.0,False,97.7,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,33,UW-333,2.0,term_life,1000000,monthly,5330.87,20.0,none,,,,True,none,captive_agent,False,False,False,0.001603,0.004529,SOA_2015_VBT,SOA_Scale_MP2023,2.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001603,0.022,False,,1.0,False,,,,0.03,0.0309,False,normal_rate,5.73,2.59,False,False,False,False,False,0.872,70.0,55.0,super_preferred_longevity,100.0,baseline,0.87,1.0,False,,False,,1000000.0,41392.27,43651.04,42646.96,10128.65,False,0,3.41,2.24
LI-2024-INS004-000084,2015-10-01,3,50,53,1965,male,never_smoker,24.1,76,197,IN,USA,single,high_school,light_blue_collar,116108.47,0.399,full_paramedical,139,82,233,60,3.88,60,5.5,False,78.3,1.33,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-263,1.25,term_life,500000,annual,2590.32,10.0,none,,,,False,none,bank,False,False,False,0.006813,0.012257,SOA_2015_VBT,SOA_Scale_MP2023,1.29,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001703,0.015,False,,1.0,False,,,,0.07,0.0967,False,normal_rate,3.4,1.21,False,False,False,False,False,0.9,39.5,36.5,preferred_longevity,73.2,baseline,1.201,0.387,False,,False,,500000.0,19357.22,21055.63,20722.56,4921.61,False,0,4.26,17.0
LI-2024-INS004-000085,2018-03-20,9,60,69,1958,male,current_smoker,21.9,70,152,RI,USA,married,high_school,heavy_blue_collar,263886.42,0.6721,simplified_issue,125,84,265,70,3.79,80,,True,,4.69,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_7,0.59,7.0,False,False,False,False,22,UW-277,2.75,indexed_ul,2000000,monthly,34381.52,,10yr_declining,30013.29,,,True,quota_share,direct_to_consumer,False,False,False,0.048807,0.227107,SOA_2015_VBT,SOA_Scale_MP2023,2.915,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.085413,0.012,False,,1.0,False,,,,0.06,0.0439,False,normal_rate,1.38,2.35,False,False,False,False,False,0.965,29.3,23.3,standard_longevity,57.5,baseline,0.996,0.653,True,75.7,False,,1969986.71,273794.69,246584.97,275052.16,65324.89,False,0,0.8,-20.0
LI-2024-INS004-000086,2009-10-18,9,44,53,1965,male,current_smoker,26.4,60,135,DE,USA,married,some_college,white_collar,182116.13,0.435,full_paramedical,93,56,235,59,3.98,101,,True,70.3,2.88,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,8,UW-190,1.75,whole_life,500000,quarterly,4439.21,,none,3763.27,,,False,none,captive_agent,False,False,False,0.013626,0.040432,SOA_2015_VBT,SOA_Scale_MP2023,1.889,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01022,0.015,False,,1.0,False,,,,0.02,0.027,False,normal_rate,2.81,0.75,False,False,False,False,False,0.847,45.7,36.7,preferred_longevity,74.1,baseline,1.174,0.425,False,,False,,496236.73,36824.59,30556.35,35513.68,8434.5,False,0,0.24,-2.08
LI-2024-INS004-000087,2020-01-26,7,23,30,1997,male,former_smoker,23.0,73,173,KY,USA,single,high_school,professional,49951.95,0.7175,full_paramedical,134,82,169,29,5.83,102,,False,103.8,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-100,1.25,term_life,500000,annual,1454.25,20.0,none,,,,True,none,captive_agent,True,False,False,0.001898,0.005815,SOA_2015_VBT,SOA_Scale_MP2023,1.451,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.022,True,0.00269,1.0,False,,,,0.05,0.0563,False,normal_rate,3.8,1.97,False,False,False,False,False,0.979,70.0,59.1,super_preferred_longevity,100.0,baseline,0.962,0.788,True,56.7,False,,500000.0,11132.56,11819.6,11634.0,2763.07,False,0,2.78,13.88
LI-2024-INS004-000088,2011-06-27,8,35,43,1976,female,never_smoker,24.7,72,181,AL,USA,married,some_college,white_collar,121501.93,0.3289,limited_exam,107,58,272,53,5.13,100,,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-349,1.25,whole_life,500000,annual,1952.64,,none,1723.82,,,False,none,captive_agent,False,False,False,0.002537,0.005372,SOA_2015_VBT,SOA_Scale_MP2023,1.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000634,0.018,False,,1.0,False,,,,0.02,0.0287,False,normal_rate,3.12,0.52,False,False,False,False,False,0.983,60.2,53.3,super_preferred_longevity,97.4,baseline,1.253,0.248,True,40.3,False,,498276.18,16624.23,13515.48,15621.12,3710.02,False,0,5.3,11.18
LI-2024-INS004-000089,2015-06-12,10,31,41,1984,male,former_smoker,21.9,66,135,IL,USA,single,high_school,white_collar,62902.67,0.5567,limited_exam,109,68,163,25,6.52,95,,False,,0.34,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,39,UW-318,2.0,term_life,2000000,semi_annual,14069.31,30.0,none,,,,True,none,independent_broker,False,False,False,0.00359,0.011404,SOA_2015_VBT,SOA_Scale_MP2023,2.011,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00359,0.02,False,,1.0,False,,,,0.05,0.0627,False,normal_rate,2.29,1.81,False,False,False,False,False,0.864,62.4,53.6,super_preferred_longevity,100.0,baseline,1.082,0.564,True,40.8,False,,2000000.0,120667.41,113137.6,112554.48,26731.69,False,0,1.61,-0.96
LI-2024-INS004-000090,2003-12-17,11,47,58,1956,female,never_smoker,24.4,61,129,CT,USA,married,bachelors,white_collar,57119.14,0.4072,full_paramedical,141,82,164,54,3.04,88,,False,87.1,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-118,2.0,indexed_ul,1000000,quarterly,10590.58,,15yr_declining,9690.53,,,True,excess_of_loss,captive_agent,False,False,False,0.007396,0.027233,SOA_2015_VBT,SOA_Scale_MP2023,2.245,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007396,0.012,False,,1.0,False,,,,0.04,0.0247,False,normal_rate,4.56,2.08,False,False,False,False,False,0.775,45.0,34.0,preferred_longevity,69.6,baseline,1.195,0.399,False,,False,,990309.47,90799.43,72824.37,84724.64,20122.1,False,0,7.89,-8.46
LI-2024-INS004-000091,2005-01-07,9,70,79,1935,male,never_smoker,29.1,74,226,KY,USA,married,bachelors,light_blue_collar,32812.58,0.3584,full_paramedical,141,78,252,42,6.0,128,5.6,False,,13.85,False,False,False,False,False,none,,none,none,anxiety,9,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-196,1.25,universal_life,500000,monthly,4688.56,,15yr_declining,4037.29,,,False,none,independent_broker,False,False,False,0.054683,0.105368,SOA_2015_VBT,SOA_Scale_MP2023,1.362,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013671,0.005,False,,1.0,False,,,,0.06,0.0382,False,normal_rate,2.04,1.28,False,False,False,False,False,0.985,14.1,5.1,sub_standard_longevity,25.5,baseline,1.231,0.37,False,,False,,495962.71,10306.29,9623.91,9564.66,14497.03,False,0,4.31,14.55
LI-2024-INS004-000092,2023-10-17,4,79,83,1944,male,never_smoker,32.1,60,164,KS,USA,married,graduate,professional,42522.79,0.4875,full_paramedical,137,81,240,54,4.44,99,5.7,False,,8.52,False,True,False,True,False,none,,pre_diabetes,none,none,8,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,41,UW-321,2.5,term_life,500000,semi_annual,7557.54,15.0,none,,,,False,none,independent_broker,False,False,False,0.075868,0.335584,SOA_2015_VBT,SOA_Scale_MP2023,2.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.113801,0.008,False,,1.0,False,,,,0.07,0.0917,False,normal_rate,3.53,0.84,False,False,False,False,False,0.859,7.2,3.2,sub_standard_longevity,24.6,baseline,1.134,0.629,False,,False,,500000.0,10155.23,9919.93,9673.65,24516.66,False,0,1.4,-19.92
LI-2024-INS004-000093,2020-11-18,3,37,40,1983,male,never_smoker,21.7,62,118,MS,USA,married,high_school,white_collar,84342.88,0.4189,simplified_issue,132,97,211,58,3.64,93,,False,85.8,1.65,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-211,1.5,group_life,500000,monthly,2339.93,,none,,,,False,none,captive_agent,False,False,False,0.002583,0.009991,SOA_2015_VBT,SOA_Scale_MP2023,1.637,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001291,0.02,True,0.00369,1.0,False,,,,0.15,0.2047,False,normal_rate,5.67,2.5,False,False,False,False,False,0.797,55.7,52.7,super_preferred_longevity,97.8,baseline,1.186,0.454,False,,False,,500000.0,18839.04,16917.96,18719.44,4445.87,False,0,-1.41,3.64
LI-2024-INS004-000094,2002-03-05,4,36,40,1966,female,never_smoker,27.1,62,148,NY,USA,single,less_than_hs,light_blue_collar,170207.9,0.9528,full_paramedical,129,74,185,46,4.02,81,,False,65.6,,True,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,13,UW-042,1.0,indexed_ul,2000000,monthly,5867.59,,10yr_declining,4419.88,,,True,none,direct_to_consumer,False,False,False,0.002066,0.001751,SOA_2015_VBT,SOA_Scale_MP2023,1.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0473,False,normal_rate,4.96,1.12,False,False,False,False,False,0.88,59.9,55.0,super_preferred_longevity,100.0,baseline,0.785,1.0,False,,True,1.521,1995580.12,46573.03,47137.83,46940.72,11148.42,False,0,4.31,19.9
LI-2024-INS004-000095,2006-08-13,10,61,71,1945,female,never_smoker,27.9,69,188,OK,USA,married,high_school,professional,29057.69,0.464,full_paramedical,122,77,211,56,3.77,90,5.5,False,,,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,18,UW-047,0.65,universal_life,500000,monthly,2198.39,,10yr_declining,2102.0,,,False,none,captive_agent,False,False,False,0.021543,0.014568,SOA_2015_VBT,SOA_Scale_MP2023,0.587,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0359,False,normal_rate,1.18,2.11,False,False,False,False,False,0.813,29.2,19.4,standard_longevity,48.6,baseline,1.152,0.567,False,,True,0.126,497898.0,16642.47,16972.16,17059.51,4282.46,False,0,5.65,21.2
LI-2024-INS004-000096,2001-08-23,18,46,64,1955,male,current_smoker,31.2,66,193,OH,USA,married,bachelors,white_collar,22704.72,0.6133,full_paramedical,158,87,152,49,3.1,116,,True,81.0,3.39,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-398,2.0,universal_life,500000,monthly,4705.29,,15yr_declining,5810.45,,,False,none,captive_agent,False,False,False,0.030493,0.098834,SOA_2015_VBT,SOA_Scale_MP2023,2.155,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030493,0.012,False,,1.0,False,,,,0.04,0.0484,False,normal_rate,2.86,2.15,False,False,False,False,False,0.758,42.7,26.8,preferred_longevity,61.9,baseline,1.04,0.632,True,53.2,True,0.332,494189.55,34684.05,33438.55,37642.32,8940.05,False,0,0.63,-3.26
LI-2024-INS004-000097,2020-07-22,5,49,54,1971,female,never_smoker,30.8,58,147,RI,USA,married,less_than_hs,white_collar,48647.84,0.6104,full_paramedical,120,80,199,56,3.55,104,5.9,False,80.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,,,False,False,False,False,15,UW-098,1.01,term_life,1000000,quarterly,5167.12,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.005914,0.0093,SOA_2015_VBT,SOA_Scale_MP2023,1.023,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,5.9e-05,0.018,True,0.00294,1.0,False,,,,0.07,0.1187,False,normal_rate,1.24,1.57,False,False,False,False,False,0.9,46.5,41.5,super_preferred_longevity,83.9,baseline,1.042,0.581,False,,False,,1000000.0,42639.34,39550.38,41336.96,9817.53,False,0,5.04,12.21
LI-2024-INS004-000098,2011-06-18,12,38,50,1973,male,never_smoker,33.3,70,231,OR,USA,married,some_college,light_blue_collar,29996.59,0.5238,full_paramedical,140,82,219,41,5.34,92,5.2,False,89.2,4.05,False,False,False,False,True,prostate,0.6,none,none,depression,0,False,True,False,False,True,standard,,,False,True,False,False,43,UW-471,1.0,whole_life,500000,annual,2355.55,,none,2442.46,,,False,none,bank,False,False,False,0.005359,0.00642,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0192,False,normal_rate,3.82,1.5,False,False,False,False,False,0.922,53.5,41.5,super_preferred_longevity,82.6,baseline,1.107,0.588,False,,False,,497557.54,17611.61,19129.72,18844.4,4475.55,False,0,8.88,20.8
LI-2024-INS004-000099,2018-02-20,5,59,64,1959,male,former_smoker,17.5,72,129,AR,USA,divorced,some_college,professional,34532.39,0.8242,full_paramedical,150,86,236,76,3.11,66,5.5,False,66.4,3.59,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-258,1.5,universal_life,250000,monthly,2116.01,,15yr_declining,1467.92,,,False,none,independent_broker,True,False,False,0.020801,0.040501,SOA_2015_VBT,SOA_Scale_MP2023,1.641,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0104,0.012,False,,1.0,False,,,,0.08,0.0375,False,normal_rate,6.11,2.36,False,False,False,False,False,0.87,31.1,26.1,preferred_longevity,64.0,baseline,0.882,0.807,False,,False,,248532.08,17597.99,16968.82,16928.08,4020.42,False,0,3.6,8.59
LI-2024-INS004-000100,2006-08-13,19,59,78,1947,male,never_smoker,27.7,76,227,CA,USA,married,some_college,professional,232359.46,0.4788,limited_exam,131,80,209,43,4.86,75,5.2,False,52.9,9.74,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,30,UW-044,0.56,term_life,100000,monthly,411.65,30.0,none,,,,False,none,bank,True,False,False,0.05042,0.038196,SOA_2015_VBT,SOA_Scale_MP2023,0.664,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0395,False,normal_rate,3.25,1.85,False,False,False,False,True,0.925,27.6,8.6,sub_standard_longevity,32.6,baseline,1.141,0.479,False,,False,,100000.0,1481.2,1243.7,1416.08,1157.56,False,0,3.22,33.17
LI-2024-INS004-000101,2000-07-19,22,75,97,1925,female,never_smoker,30.6,58,146,VT,USA,married,high_school,white_collar,532156.97,0.6976,full_paramedical,137,86,239,26,9.19,98,5.6,False,,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,59,UW-273,2.0,term_life,250000,monthly,4144.64,30.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.139965,0.424201,SOA_2015_VBT,SOA_Scale_MP2023,2.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.139965,0.012,False,,1.0,False,,,,0.03,0.0343,False,normal_rate,2.72,1.39,False,False,False,True,False,0.847,13.5,1.0,sub_standard_longevity,24.5,baseline,0.977,0.517,False,,False,,250000.0,1512.63,1494.62,1657.86,14174.67,False,0,2.03,-11.76
LI-2024-INS004-000102,2000-09-09,5,32,37,1968,male,never_smoker,30.3,64,176,MO,USA,married,bachelors,professional,20000.0,0.7033,full_paramedical,116,70,179,26,6.88,87,5.1,False,79.7,,False,False,True,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-461,1.5,whole_life,250000,monthly,1330.56,,none,1032.93,,,False,none,bank,False,False,False,0.002134,0.00434,SOA_2015_VBT,SOA_Scale_MP2023,1.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001067,0.015,False,,1.0,False,,,,0.04,0.0455,False,normal_rate,4.11,2.7,False,False,False,False,False,0.983,62.2,55.0,super_preferred_longevity,100.0,baseline,0.973,0.686,False,,False,,248967.07,10455.54,9990.92,10644.48,2528.06,False,0,4.81,12.03
LI-2024-INS004-000103,2020-12-09,7,27,34,1993,male,never_smoker,34.0,60,173,SC,USA,married,bachelors,light_blue_collar,20000.0,0.5143,full_paramedical,126,73,159,38,4.18,144,5.0,False,,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,standard_plus,,,False,False,False,False,9,UW-388,0.93,term_life,250000,monthly,652.5,30.0,none,,,,False,none,employer_group,False,False,False,0.001792,0.007337,SOA_2015_VBT,SOA_Scale_MP2023,0.974,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00539,1.0,False,,,,0.05,0.0773,False,normal_rate,4.66,2.56,False,False,False,False,False,0.926,67.8,55.0,super_preferred_longevity,100.0,baseline,1.114,0.557,False,,False,,250000.0,5257.75,5106.62,5220.0,1239.75,False,0,7.19,17.28
LI-2024-INS004-000104,2001-09-04,15,46,61,1955,female,never_smoker,21.4,61,113,MT,USA,widowed,less_than_hs,white_collar,124906.83,0.8317,limited_exam,130,82,200,63,3.17,97,,False,58.5,,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-370,1.25,whole_life,250000,monthly,1640.34,,none,1830.57,,,False,none,independent_broker,False,True,False,0.009426,0.014018,SOA_2015_VBT,SOA_Scale_MP2023,1.412,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002356,0.012,False,,1.0,False,,,,0.015,0.0155,False,normal_rate,5.4,0.73,False,False,False,False,False,0.927,47.5,32.5,preferred_longevity,73.7,baseline,0.876,0.91,False,,False,,248169.43,13734.93,11393.65,13122.72,3116.65,False,0,5.96,10.46
LI-2024-INS004-000105,2020-06-03,6,51,57,1969,male,former_smoker,26.1,76,214,HI,USA,married,some_college,light_blue_collar,22661.72,0.5413,non_med_guaranteed,111,76,205,44,4.66,111,4.7,False,62.0,5.72,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-438,0.85,whole_life,1000000,quarterly,4195.36,,none,3359.52,,,True,excess_of_loss,bank,False,False,False,0.01232,0.013909,SOA_2015_VBT,SOA_Scale_MP2023,0.751,respiratory,True,2023-07-18,False,False,1549122.28,0.0007,5e-05,1.095,0.0,0.015,True,0.00379,1.0,False,,,,0.02,0.0253,False,normal_rate,3.84,2.13,True,False,False,False,False,0.762,39.7,33.7,preferred_longevity,71.2,baseline,1.094,0.46,False,,False,,996640.48,32209.9,34706.6,33562.88,7971.18,False,0,2.85,23.78
LI-2024-INS004-000106,2013-03-06,5,61,66,1952,female,current_smoker,27.9,67,178,OK,USA,single,some_college,white_collar,92691.07,0.8137,full_paramedical,129,78,264,55,4.8,89,5.5,True,73.0,,False,True,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,9,UW-357,2.75,term_life,100000,quarterly,1733.4,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.027974,0.119961,SOA_2015_VBT,SOA_Scale_MP2023,2.853,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048954,0.012,False,,1.0,False,,,,0.07,0.1028,False,normal_rate,1.65,1.15,False,False,False,False,False,0.874,32.0,27.0,preferred_longevity,65.2,baseline,0.89,0.665,False,,False,,100000.0,13857.21,13809.47,13867.2,3293.46,False,0,-4.08,-20.0
LI-2024-INS004-000107,2005-10-08,10,63,73,1942,female,never_smoker,29.0,58,138,DE,USA,married,high_school,white_collar,23289.68,0.7535,full_paramedical,124,71,184,40,4.6,96,5.4,False,85.0,,False,False,False,False,False,none,,none,none,anxiety,0,False,True,True,False,True,preferred_plus,,,False,False,False,False,48,UW-246,0.6,group_life,1000000,quarterly,3832.31,,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.025046,0.013487,SOA_2015_VBT,SOA_Scale_MP2023,0.576,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.12,0.1317,False,normal_rate,1.31,2.36,False,False,False,False,False,0.921,28.0,18.0,standard_longevity,50.8,baseline,0.935,0.961,False,,False,,1000000.0,27790.66,24603.04,27592.63,7894.56,False,0,-0.76,26.35
LI-2024-INS004-000108,2011-02-05,1,35,36,1976,male,never_smoker,25.9,65,155,MO,USA,single,high_school,white_collar,144461.41,0.8638,full_paramedical,105,80,153,54,2.83,98,5.6,False,93.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,26,UW-448,0.95,whole_life,1000000,monthly,2580.02,,none,1531.98,,,True,coinsurance,direct_to_consumer,False,False,False,0.00201,0.001699,SOA_2015_VBT,SOA_Scale_MP2023,0.992,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0848,False,normal_rate,3.07,0.51,False,False,False,False,False,0.88,58.3,55.0,super_preferred_longevity,100.0,baseline,0.852,0.892,False,,False,,998468.02,20503.42,17734.6,20640.16,4902.04,False,0,5.35,19.5
LI-2024-INS004-000109,2021-12-10,5,19,24,2002,female,never_smoker,27.3,61,144,IL,USA,married,some_college,white_collar,23433.61,0.5433,full_paramedical,99,56,214,43,4.98,99,4.2,False,120.0,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,preferred_plus,,,False,False,False,False,6,UW-197,0.6,term_life,500000,quarterly,621.41,15.0,none,,,,False,none,bank,False,False,False,0.000913,0.003959,SOA_2015_VBT,SOA_Scale_MP2023,0.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00331,1.0,False,,,,0.07,0.0886,False,normal_rate,3.43,2.18,False,False,False,False,False,0.98,70.0,55.0,super_preferred_longevity,100.0,baseline,1.093,0.572,False,,False,,500000.0,4605.19,5033.77,4971.28,1180.68,False,0,5.59,30.43
LI-2024-INS004-000110,2014-02-15,11,37,48,1977,female,former_smoker,31.1,65,186,IA,USA,single,graduate,professional,64322.49,0.6145,full_paramedical,136,66,232,49,4.73,99,,False,81.3,,False,True,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-295,2.0,term_life,250000,semi_annual,2186.93,25.0,none,,,,False,none,independent_broker,False,False,False,0.004771,0.015638,SOA_2015_VBT,SOA_Scale_MP2023,2.192,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004771,0.018,False,,1.0,False,,,,0.03,0.0363,False,normal_rate,4.64,1.87,False,False,False,False,False,0.859,59.4,48.4,super_preferred_longevity,94.3,baseline,1.039,0.725,False,,False,,250000.0,17813.75,17615.51,17495.44,4155.17,False,0,0.01,-7.72
LI-2024-INS004-000111,2010-09-23,6,33,39,1977,female,never_smoker,34.3,72,252,NY,USA,single,bachelors,light_blue_collar,39134.29,0.6102,limited_exam,121,80,228,52,4.38,109,5.7,False,98.9,,True,False,True,False,False,none,,pre_diabetes,none,schizophrenia,5,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,38,UW-232,2.25,whole_life,500000,annual,3767.56,,none,2841.89,,,False,none,independent_broker,False,False,False,0.001936,0.00734,SOA_2015_VBT,SOA_Scale_MP2023,2.439,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.018,False,,1.0,False,,,,0.02,0.0242,False,normal_rate,4.92,1.36,False,True,False,False,False,0.842,66.4,55.0,super_preferred_longevity,100.0,baseline,1.042,0.645,False,,False,,497158.11,27895.35,27392.78,30140.48,7158.36,False,0,0.95,-8.09
LI-2024-INS004-000112,2017-01-01,9,63,72,1954,female,never_smoker,23.1,71,165,AK,USA,single,bachelors,white_collar,52551.37,0.5317,full_paramedical,125,66,219,54,4.06,78,,False,81.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,7,UW-044,0.56,term_life,1000000,monthly,3767.74,30.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.024174,0.016398,SOA_2015_VBT,SOA_Scale_MP2023,0.616,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0637,False,normal_rate,4.63,1.06,False,True,False,False,False,0.982,29.2,20.2,standard_longevity,50.8,baseline,1.101,0.516,False,,False,,1000000.0,31420.72,27243.78,30141.92,7158.71,False,0,2.38,26.42
LI-2024-INS004-000113,2018-06-02,1,80,81,1938,female,current_smoker,23.8,59,117,VT,USA,single,bachelors,white_collar,120371.17,0.3717,full_paramedical,134,73,214,54,3.96,93,4.5,True,83.9,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-399,1.5,term_life,500000,semi_annual,5210.84,30.0,none,,,,False,none,captive_agent,False,False,False,0.10563,0.275465,SOA_2015_VBT,SOA_Scale_MP2023,1.726,accident,True,2019-05-24,True,False,1102161.5,0.0007,5e-05,1.095,0.052815,0.005,False,,1.0,False,,,,0.1,0.1403,False,normal_rate,0.0,0.92,False,False,False,False,False,0.876,8.6,7.6,sub_standard_longevity,29.5,baseline,1.221,0.39,False,,False,,500000.0,15165.54,13726.22,15840.95,15069.75,False,0,4.98,11.68
LI-2024-INS004-000114,2008-05-05,9,57,66,1951,male,never_smoker,28.7,63,161,PA,USA,married,bachelors,light_blue_collar,40404.28,0.8577,full_paramedical,147,107,229,44,5.2,94,,False,,2.52,True,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,47,UW-086,2.0,term_life,1000000,monthly,11538.68,20.0,none,,,,True,none,independent_broker,False,False,False,0.017274,0.047744,SOA_2015_VBT,SOA_Scale_MP2023,2.059,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017274,0.012,False,,1.0,False,,,,0.05,0.0507,False,normal_rate,3.01,1.83,False,False,False,False,False,0.982,32.0,23.0,standard_longevity,59.9,baseline,0.857,0.795,False,,False,,1000000.0,99145.47,78682.04,92309.44,21923.49,False,0,3.41,-4.08
LI-2024-INS004-000115,2014-07-22,9,38,47,1976,female,never_smoker,22.3,72,164,MN,USA,widowed,some_college,white_collar,30128.9,0.9146,full_paramedical,112,75,179,53,3.38,100,5.1,False,95.6,,False,False,False,False,False,none,,none,none,schizophrenia,13,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-345,2.25,term_life,100000,monthly,894.71,20.0,none,,,,False,none,captive_agent,False,False,False,0.003401,0.010695,SOA_2015_VBT,SOA_Scale_MP2023,2.328,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004251,0.018,False,,1.0,False,,,,0.05,0.0484,False,normal_rate,3.82,1.99,False,False,False,False,False,0.901,59.5,50.5,super_preferred_longevity,100.0,baseline,0.814,0.856,False,,False,,100000.0,7813.03,6207.69,7157.68,1699.95,False,0,0.73,-19.69
LI-2024-INS004-000116,2012-11-25,11,75,86,1937,female,unknown,35.8,72,264,ID,USA,married,some_college,professional,125614.42,0.5445,accelerated_UW,149,93,220,40,5.5,115,5.7,False,65.3,,False,True,False,False,False,none,,none,none,bipolar,12,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,5,UW-252,2.0,annuity_deferred,250000,monthly,3501.2,,none,3465.5,,,False,none,captive_agent,False,False,False,0.092765,0.299751,SOA_2015_VBT,SOA_Scale_MP2023,2.044,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.092765,0.005,False,,1.0,False,,,,0.01,0.0126,False,normal_rate,2.96,0.68,False,False,False,False,False,0.759,14.1,2.8,sub_standard_longevity,24.9,baseline,1.092,0.546,True,0.0,False,,246534.5,4041.23,3333.82,3921.34,11469.93,False,0,1.08,-12.41
LI-2024-INS004-000117,2012-05-05,6,62,68,1950,female,never_smoker,20.3,66,125,WY,USA,married,some_college,light_blue_collar,20000.0,0.8027,full_paramedical,124,89,198,60,3.3,99,5.8,False,67.1,,False,False,False,False,True,other,5.3,none,none,substance_use_disorder,5,False,False,False,False,True,standard,,,False,True,False,False,25,UW-431,1.0,whole_life,1000000,annual,5953.2,,none,4872.84,,,True,quota_share,employer_group,False,False,False,0.016246,0.015829,SOA_2015_VBT,SOA_Scale_MP2023,1.085,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0254,False,normal_rate,3.0,2.08,False,False,False,False,False,0.766,30.7,28.4,preferred_longevity,67.1,baseline,0.898,0.666,True,76.5,False,,995127.16,48510.92,45141.76,47625.6,11311.08,False,0,1.98,26.61
LI-2024-INS004-000118,2017-11-10,9,49,58,1968,female,former_smoker,29.1,58,139,AR,USA,married,bachelors,professional,53179.15,0.7752,full_paramedical,110,68,168,37,4.54,92,4.1,False,,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,6,UW-234,0.75,universal_life,1000000,monthly,3198.77,,10yr_declining,2922.83,,,True,excess_of_loss,captive_agent,True,False,False,0.010719,0.008192,SOA_2015_VBT,SOA_Scale_MP2023,0.832,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0292,False,normal_rate,0.61,0.8,False,False,False,False,False,0.793,46.5,37.5,super_preferred_longevity,80.4,baseline,0.919,0.773,False,,False,,997077.17,24122.47,21984.95,25590.16,6077.66,False,0,4.04,25.4
LI-2024-INS004-000119,2002-02-09,25,27,52,1975,male,current_smoker,30.5,65,183,PA,USA,single,high_school,white_collar,23280.0,0.7296,simplified_issue,148,95,231,44,5.25,89,5.2,True,102.6,1.04,False,False,False,False,True,colorectal,0.0,none,none,none,1,False,False,False,False,True,standard,,,False,True,False,False,37,UW-231,1.0,whole_life,2000000,annual,9011.9,,none,15453.55,,,True,coinsurance,independent_broker,False,False,False,0.012568,0.012143,SOA_2015_VBT,SOA_Scale_MP2023,1.014,cardiovascular,True,2012-09-05,False,False,1950815.38,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0167,False,normal_rate,1.74,2.97,False,False,False,False,False,0.787,65.6,40.6,super_preferred_longevity,84.3,baseline,0.953,0.746,False,,False,,1984546.45,65650.88,62905.64,72095.2,17122.61,False,0,3.85,20.04
LI-2024-INS004-000120,2015-08-06,11,28,39,1987,female,never_smoker,29.3,63,165,NV,USA,married,bachelors,white_collar,50083.06,0.8306,limited_exam,122,75,156,47,3.32,120,5.2,False,93.3,,True,False,False,False,False,none,,none,none,none,13,False,False,False,False,False,preferred,,,False,False,False,False,30,UW-103,0.83,term_life,250000,monthly,676.74,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.001936,0.001399,SOA_2015_VBT,SOA_Scale_MP2023,0.824,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0311,False,normal_rate,3.25,2.94,False,False,False,False,False,0.865,70.0,55.0,super_preferred_longevity,100.0,baseline,0.877,0.766,False,,False,,250000.0,5020.33,5523.99,5413.92,1285.81,False,0,2.64,22.25
LI-2024-INS004-000121,2005-06-08,10,74,84,1931,female,former_smoker,29.9,68,196,HI,USA,married,bachelors,hazardous,27028.74,0.4424,full_paramedical,127,88,193,57,3.39,109,,False,65.2,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,4.73,1.0,True,False,False,False,7,UW-468,1.25,whole_life,100000,annual,1003.01,,none,917.85,,,False,none,independent_broker,True,False,False,0.085816,0.161604,SOA_2015_VBT,SOA_Scale_MP2023,1.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021454,0.005,False,,1.0,False,,,,0.02,0.0269,False,normal_rate,4.68,1.9,True,False,False,False,False,0.773,13.8,3.8,sub_standard_longevity,24.8,baseline,1.168,0.435,False,,False,,99082.15,1462.31,1493.37,1524.58,3205.62,False,0,3.3,10.01
LI-2024-INS004-000122,2015-11-10,12,28,40,1987,male,never_smoker,22.9,60,117,NJ,USA,married,graduate,hazardous,318580.66,0.2967,limited_exam,117,70,190,68,2.79,60,5.8,False,72.9,1.15,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,3.02,,True,False,False,False,14,UW-455,0.64,term_life,500000,semi_annual,934.16,20.0,none,,,,False,none,bank,False,False,False,0.002583,0.002267,SOA_2015_VBT,SOA_Scale_MP2023,0.687,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0439,False,normal_rate,4.04,1.85,False,False,False,False,False,0.94,64.8,52.8,super_preferred_longevity,96.2,baseline,1.277,0.334,False,,False,,500000.0,7776.46,7478.02,7473.28,1774.9,False,0,4.88,25.57
LI-2024-INS004-000123,2010-06-09,14,50,64,1960,male,never_smoker,25.2,71,180,NC,USA,married,high_school,white_collar,20000.0,0.4691,accelerated_UW,137,81,212,58,3.66,92,4.7,False,66.5,5.8,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,7,UW-255,1.25,term_life,250000,quarterly,1450.89,30.0,none,,,,False,none,independent_broker,False,False,False,0.015951,0.027393,SOA_2015_VBT,SOA_Scale_MP2023,1.278,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003988,0.015,False,,1.0,True,2026-01-18,voluntary_surrender,14.0,0.03,0.0397,False,normal_rate,2.35,2.59,False,False,False,False,False,0.883,39.1,25.1,standard_longevity,57.2,baseline,1.148,0.516,False,,False,,250000.0,11574.96,11411.78,11607.12,2756.69,False,0,3.71,17.44
LI-2024-INS004-000124,2017-08-15,10,37,47,1980,male,former_smoker,25.8,65,154,IA,USA,married,graduate,light_blue_collar,59840.21,0.2996,limited_exam,118,74,191,51,3.75,128,5.8,False,82.2,1.21,False,False,False,False,False,none,,pre_diabetes,none,none,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,41,UW-065,1.25,whole_life,500000,monthly,2259.63,,none,2023.73,,,False,none,worksite,False,False,False,0.005526,0.010261,SOA_2015_VBT,SOA_Scale_MP2023,1.26,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001382,0.02,False,,1.0,True,2025-09-24,unknown,10.0,0.02,0.0292,False,normal_rate,1.89,2.82,False,False,False,False,False,0.992,54.8,44.8,super_preferred_longevity,84.2,baseline,1.275,0.139,False,,False,,497976.27,17337.89,18604.81,18077.04,4293.3,False,0,3.3,11.14
LI-2024-INS004-000125,2024-10-22,3,27,30,1997,female,former_smoker,28.6,63,161,WA,USA,married,less_than_hs,light_blue_collar,95816.03,0.835,full_paramedical,136,76,178,43,4.14,71,5.2,False,,,True,False,False,True,False,none,,none,none,anxiety,1,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,44,UW-347,2.5,universal_life,100000,annual,632.12,,15yr_declining,442.1,,,False,none,independent_broker,False,False,False,0.001518,0.005602,SOA_2015_VBT,SOA_Scale_MP2023,2.506,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002278,0.022,False,,1.0,False,,,,0.08,0.0372,False,normal_rate,3.27,1.43,False,False,False,False,False,0.861,70.0,55.0,super_preferred_longevity,100.0,baseline,0.874,0.846,False,,False,,99557.9,4639.86,5034.56,5056.96,1201.03,False,0,4.45,-14.48
LI-2024-INS004-000126,2013-08-10,13,28,41,1985,female,former_smoker,19.4,69,131,FL,USA,divorced,bachelors,heavy_blue_collar,218331.55,0.4958,accelerated_UW,113,68,219,55,3.98,109,,False,72.1,,False,True,False,False,False,none,,none,none,bipolar,3,False,False,True,False,True,substandard_table_4,1.21,4.0,False,False,False,True,30,UW-427,2.0,term_life,500000,monthly,3765.03,10.0,none,,,,False,none,independent_broker,False,False,False,0.002872,0.009964,SOA_2015_VBT,SOA_Scale_MP2023,2.189,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002872,0.02,False,,1.0,False,,,,0.03,0.0391,False,normal_rate,3.49,2.89,False,False,False,True,False,0.922,69.3,55.0,super_preferred_longevity,100.0,baseline,1.128,0.441,False,,False,,500000.0,29621.19,28565.35,30120.24,7153.56,False,0,0.77,-11.14
LI-2024-INS004-000127,2007-01-04,9,66,75,1941,female,unknown,30.4,67,194,PA,USA,married,some_college,light_blue_collar,60410.2,0.6354,full_paramedical,144,95,247,38,6.5,105,,False,73.8,,False,False,True,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-185,2.0,whole_life,2000000,semi_annual,24163.09,,none,21074.84,,,True,quota_share,captive_agent,False,False,False,0.034029,0.10511,SOA_2015_VBT,SOA_Scale_MP2023,2.041,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034029,0.008,False,,1.0,False,,,,0.02,0.0238,False,normal_rate,4.76,2.57,False,False,False,False,False,0.956,27.3,18.3,standard_longevity,59.5,baseline,1.023,0.585,False,,False,,1978925.16,162576.52,170861.76,176873.82,49196.05,False,0,2.2,-6.24
LI-2024-INS004-000128,2000-03-17,12,36,48,1964,female,never_smoker,25.3,72,186,CT,USA,single,some_college,heavy_blue_collar,34871.79,0.7538,full_paramedical,112,73,169,59,2.86,98,4.5,False,77.9,,True,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,0.94,,False,False,False,False,7,UW-439,0.77,universal_life,1000000,annual,2933.82,,10yr_declining,2765.3,,,True,facultative,captive_agent,False,False,False,0.003615,0.002575,SOA_2015_VBT,SOA_Scale_MP2023,0.762,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0439,False,normal_rate,4.54,0.58,False,False,False,False,False,0.753,61.8,49.8,super_preferred_longevity,100.0,baseline,0.935,0.812,False,,False,,997234.7,21326.67,21365.94,23470.56,5574.26,False,0,1.69,23.94
LI-2024-INS004-000129,2003-02-20,19,31,50,1972,female,never_smoker,36.0,63,203,GA,USA,divorced,graduate,professional,20000.0,0.4768,full_paramedical,139,82,238,44,5.41,83,5.5,False,,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-474,1.25,term_life,500000,quarterly,2524.85,25.0,none,,,,False,none,captive_agent,False,False,False,0.004288,0.008385,SOA_2015_VBT,SOA_Scale_MP2023,1.493,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001072,0.018,False,,1.0,False,,,,0.03,0.0396,False,normal_rate,4.46,1.07,False,False,False,False,False,0.926,64.1,55.3,super_preferred_longevity,100.0,baseline,1.142,0.788,True,94.9,False,,500000.0,18727.97,20248.38,20198.8,4797.22,False,0,2.63,13.99
LI-2024-INS004-000130,2017-12-02,6,23,29,1994,female,never_smoker,30.9,65,185,MD,USA,married,bachelors,light_blue_collar,121798.62,0.2941,full_paramedical,129,82,228,41,5.56,94,,False,82.3,,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,25,UW-303,1.0,annuity_deferred,1000000,annual,2709.13,,none,2129.61,,,True,none,independent_broker,False,False,False,0.001115,0.001482,SOA_2015_VBT,SOA_Scale_MP2023,1.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.0293,False,normal_rate,4.77,2.41,False,False,False,False,False,0.917,70.0,55.0,super_preferred_longevity,99.4,baseline,1.279,0.388,False,,False,,997870.39,23594.25,19965.63,21673.04,5147.35,False,0,3.68,18.89
LI-2024-INS004-000131,2012-08-17,3,35,38,1977,female,never_smoker,15.0,62,90,IA,USA,married,high_school,white_collar,56392.94,0.7653,limited_exam,111,71,206,50,4.12,81,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,13,False,False,False,False,False,declined,,,False,False,True,False,12,UW-339,7.0,whole_life,500000,monthly,11307.46,,none,7656.38,5443.69,0.711,False,none,independent_broker,False,True,False,0.001816,0.022557,SOA_2015_VBT,SOA_Scale_MP2023,6.932,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010898,0.018,False,,1.0,False,,,,0.04,0.0261,False,normal_rate,3.51,0.94,False,False,False,False,False,0.847,62.1,55.0,super_preferred_longevity,100.0,baseline,0.926,0.699,False,,False,,492343.62,89205.57,82543.73,90459.68,21484.17,False,0,-5.0,-20.0
LI-2024-INS004-000132,2024-02-19,2,61,63,1963,female,current_smoker,30.7,67,196,OK,USA,divorced,some_college,white_collar,39307.56,0.1176,non_med_guaranteed,129,74,240,44,5.45,120,,True,85.9,,True,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,29,UW-177,1.75,annuity_immediate,500000,annual,4043.68,,none,,,,False,none,captive_agent,False,False,False,0.024499,0.081842,SOA_2015_VBT,SOA_Scale_MP2023,1.835,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018374,0.015,False,,1.0,False,,,,0.005,0.0112,False,normal_rate,4.83,0.92,False,False,False,False,False,0.755,31.1,29.1,standard_longevity,57.9,baseline,1.412,0.311,False,,False,,500000.0,32444.93,30221.96,32349.44,7682.99,False,0,0.72,-3.53
LI-2024-INS004-000133,2015-10-01,7,38,45,1977,female,never_smoker,22.5,59,111,CT,USA,married,high_school,light_blue_collar,24799.17,0.9334,full_paramedical,112,68,177,63,2.81,113,4.9,False,82.3,,False,True,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-116,2.25,universal_life,2000000,quarterly,18068.06,,10yr_declining,14385.23,,,True,quota_share,independent_broker,False,False,False,0.00293,0.009271,SOA_2015_VBT,SOA_Scale_MP2023,2.393,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.018,False,,1.0,False,,,,0.06,0.0257,False,normal_rate,3.3,1.25,False,False,False,False,False,0.887,59.7,52.7,super_preferred_longevity,100.0,baseline,0.8,0.949,False,,False,,1985614.77,144988.79,142276.87,144544.48,34329.31,False,0,3.23,-7.78
LI-2024-INS004-000134,2000-11-23,6,51,57,1949,female,never_smoker,36.0,71,257,NJ,USA,married,bachelors,light_blue_collar,44899.64,0.4403,full_paramedical,130,82,223,44,5.07,96,5.1,False,70.4,,False,False,False,False,True,breast,6.7,none,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,False,48,UW-331,1.0,term_life,1000000,annual,4430.25,15.0,none,,,,True,none,independent_broker,False,False,False,0.006667,0.008119,SOA_2015_VBT,SOA_Scale_MP2023,1.041,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0674,False,normal_rate,1.28,2.76,False,False,False,False,False,0.911,39.8,34.1,preferred_longevity,70.3,baseline,1.17,0.291,True,36.4,False,,1000000.0,33866.76,34029.33,35442.0,8417.47,False,0,3.33,14.92
LI-2024-INS004-000135,2001-12-16,1,68,69,1933,male,former_smoker,19.5,70,136,CA,USA,divorced,some_college,light_blue_collar,28638.64,0.4292,limited_exam,133,79,197,73,2.7,107,,False,59.9,7.08,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,22,UW-308,2.5,term_life,1000000,semi_annual,14839.11,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.029406,0.135014,SOA_2015_VBT,SOA_Scale_MP2023,2.624,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044109,0.005,False,,1.0,False,,,,0.1,0.1357,False,normal_rate,4.93,1.6,False,False,False,False,False,0.856,16.1,15.1,standard_longevity,41.6,baseline,1.178,0.531,False,,False,,1000000.0,97671.65,81857.27,89628.22,34011.24,False,0,2.35,-20.0
LI-2024-INS004-000136,2021-04-09,2,74,76,1947,male,current_smoker,31.1,69,210,RI,USA,single,bachelors,professional,20000.0,0.532,simplified_issue,130,90,227,45,5.04,95,4.6,True,,7.68,False,False,True,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,15,UW-475,2.75,annuity_deferred,250000,monthly,3875.17,,none,2633.15,,,False,none,bank,False,False,False,0.08471,0.430858,SOA_2015_VBT,SOA_Scale_MP2023,2.977,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.148242,0.008,True,0.00497,1.0,False,,,,0.04,0.051,False,normal_rate,2.28,0.58,False,False,False,False,False,0.929,15.8,13.8,standard_longevity,51.2,baseline,1.101,0.53,False,,False,,247366.85,21018.57,21780.95,21390.94,9284.91,False,0,0.45,-20.0
LI-2024-INS004-000137,2003-03-23,17,34,51,1969,male,never_smoker,25.5,70,177,AK,USA,married,bachelors,white_collar,53896.56,0.4645,simplified_issue,120,84,247,39,6.33,104,,False,78.5,2.45,True,False,False,True,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,48,UW-232,2.5,whole_life,1000000,monthly,9977.68,,none,11808.17,,,True,none,employer_group,False,False,False,0.005801,0.026545,SOA_2015_VBT,SOA_Scale_MP2023,2.671,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008701,0.015,False,,1.0,False,,,,0.015,0.0239,False,normal_rate,3.93,2.87,False,False,False,False,False,0.925,56.4,39.4,preferred_longevity,78.6,baseline,1.152,0.521,False,,False,,988191.83,87390.55,71013.4,79821.44,18957.59,False,0,-1.24,-20.0
LI-2024-INS004-000138,2005-01-13,14,57,71,1948,female,never_smoker,37.4,63,211,OR,USA,single,bachelors,professional,47068.41,0.6542,full_paramedical,148,94,191,44,4.34,128,5.5,False,76.4,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-347,1.5,term_life,250000,monthly,1935.39,25.0,none,,,,False,none,captive_agent,False,False,False,0.022068,0.049035,SOA_2015_VBT,SOA_Scale_MP2023,1.706,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011034,0.008,False,,1.0,False,,,,0.03,0.0353,False,normal_rate,5.55,1.67,False,False,False,False,False,0.899,34.5,20.5,standard_longevity,53.1,baseline,1.009,0.723,False,,False,,250000.0,15122.35,14471.42,15483.12,3677.24,False,0,4.65,5.9
LI-2024-INS004-000139,2002-02-18,2,21,23,1981,male,never_smoker,40.5,71,290,TX,USA,widowed,bachelors,hazardous,31927.12,0.218,full_paramedical,134,75,235,34,6.91,140,6.4,False,89.3,,True,False,False,False,False,none,,pre_diabetes,none,bipolar,11,False,False,False,False,True,substandard_table_4,2.72,4.0,True,False,False,False,30,UW-134,2.0,term_life,100000,monthly,427.43,15.0,none,,,,False,none,captive_agent,False,False,False,0.001103,0.004312,SOA_2015_VBT,SOA_Scale_MP2023,2.178,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001103,0.02,False,,1.0,False,,,,0.07,0.1495,False,normal_rate,2.93,1.16,False,False,False,False,False,0.963,70.0,55.0,super_preferred_longevity,98.3,baseline,1.337,0.041,False,,False,,100000.0,3599.76,3009.97,3419.44,812.12,False,0,1.51,-12.02
LI-2024-INS004-000140,2021-11-26,1,46,47,1975,male,never_smoker,31.9,65,191,KY,USA,single,some_college,professional,59087.31,0.7165,full_paramedical,121,72,229,36,6.36,101,,False,88.5,1.18,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,49,UW-109,2.25,whole_life,5000000,quarterly,44745.14,,none,28384.44,20294.87,0.715,True,excess_of_loss,bank,False,True,False,0.004251,0.019014,SOA_2015_VBT,SOA_Scale_MP2023,2.456,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005314,0.018,True,0.00365,1.0,False,,,,0.06,0.0406,False,normal_rate,2.2,2.88,False,False,False,False,False,0.989,46.6,46.3,super_preferred_longevity,92.7,baseline,0.963,1.0,True,38.5,False,,4971615.56,369382.89,336773.8,357961.12,85015.77,False,0,-1.7,-6.54
LI-2024-INS004-000141,2019-11-01,1,39,40,1980,female,unknown,20.7,63,117,WA,USA,divorced,bachelors,heavy_blue_collar,88035.27,0.8629,non_med_guaranteed,101,61,167,57,2.93,129,5.3,False,86.2,,True,False,False,False,False,none,,none,none,none,4,False,True,False,False,False,standard_plus,0.71,,False,False,False,False,28,UW-222,1.0,universal_life,2000000,monthly,7495.17,,10yr_declining,4797.63,,,True,quota_share,independent_broker,False,False,False,0.002376,0.001884,SOA_2015_VBT,SOA_Scale_MP2023,0.93,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.12,0.0545,False,normal_rate,3.71,0.73,False,False,False,False,False,0.993,59.1,59.5,super_preferred_longevity,100.0,baseline,0.853,0.824,True,58.3,False,,1995202.37,55079.88,57123.29,59961.36,14240.82,False,0,1.29,27.27
LI-2024-INS004-000142,2021-04-21,6,61,67,1960,male,never_smoker,29.5,76,242,NJ,USA,married,graduate,professional,27166.85,0.7545,full_paramedical,132,82,272,46,5.91,102,4.9,False,,4.24,True,True,True,False,False,none,,none,none,schizophrenia,3,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,32,UW-131,2.25,whole_life,1000000,monthly,10912.86,,none,8470.23,,,True,facultative,direct_to_consumer,True,False,False,0.020687,0.07279,SOA_2015_VBT,SOA_Scale_MP2023,2.392,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025859,0.015,True,0.00071,1.0,False,,,,0.02,0.0307,False,normal_rate,1.85,2.52,False,False,False,False,False,0.815,32.2,26.2,preferred_longevity,73.1,baseline,0.934,0.698,False,,False,,991529.77,79938.37,91356.98,87302.88,20734.43,False,0,5.18,-7.13
LI-2024-INS004-000143,2021-02-14,1,52,53,1969,male,never_smoker,18.8,65,112,NJ,USA,married,graduate,light_blue_collar,20000.0,0.76,full_paramedical,89,55,206,66,3.12,68,5.2,False,72.4,2.65,False,False,True,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,9,UW-440,2.0,term_life,500000,monthly,4123.54,15.0,none,,,,False,none,captive_agent,False,False,False,0.006813,0.024192,SOA_2015_VBT,SOA_Scale_MP2023,2.174,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.015,True,0.0036,1.0,False,,,,0.1,0.1092,False,normal_rate,2.53,0.79,False,False,False,False,False,0.811,42.6,41.6,super_preferred_longevity,96.3,baseline,0.93,0.713,False,,False,,500000.0,29818.99,31005.83,32988.32,7834.73,False,0,1.24,-10.06
LI-2024-INS004-000144,2009-10-27,13,71,84,1938,male,never_smoker,28.5,73,215,NY,USA,married,bachelors,hazardous,20000.0,0.2838,full_paramedical,128,72,251,62,4.05,101,5.3,False,72.1,2.24,True,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,True,True,standard,4.06,,True,True,False,False,40,UW-011,1.0,term_life,1000000,quarterly,6931.23,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.085462,0.117153,SOA_2015_VBT,SOA_Scale_MP2023,1.065,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.053,False,normal_rate,3.28,2.71,False,False,False,False,False,0.868,13.2,1.0,sub_standard_longevity,18.3,baseline,1.287,0.152,False,,False,,1000000.0,2857.05,2556.38,2772.49,23704.81,False,0,1.9,15.46
LI-2024-INS004-000145,2005-10-07,3,36,39,1969,female,never_smoker,27.7,61,146,NY,USA,single,some_college,professional,161127.38,0.5981,full_paramedical,134,79,209,62,3.37,88,4.4,False,97.9,,False,False,False,False,True,leukemia,1.2,none,none,bipolar,1,False,False,False,False,True,declined,,,False,False,True,False,34,UW-394,7.0,term_life,2000000,monthly,41293.04,15.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.001936,0.025804,SOA_2015_VBT,SOA_Scale_MP2023,6.973,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011613,0.015,False,,1.0,False,,,,0.07,0.1197,False,normal_rate,2.75,2.6,False,False,False,False,False,0.76,58.9,55.0,super_preferred_longevity,100.0,baseline,1.051,0.58,False,,False,,2000000.0,359902.44,335207.66,330344.32,78456.78,False,0,-5.0,-20.0
LI-2024-INS004-000146,2003-03-21,7,25,32,1978,female,never_smoker,32.9,62,180,WI,USA,married,bachelors,light_blue_collar,166026.06,0.8685,full_paramedical,131,85,185,47,3.94,106,9.5,False,102.5,,True,False,False,False,False,none,,type_2,none,substance_use_disorder,6,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,40,UW-078,3.0,universal_life,500000,annual,4362.87,,15yr_declining,3544.72,,,False,none,independent_broker,False,False,False,0.001289,0.006087,SOA_2015_VBT,SOA_Scale_MP2023,3.208,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002578,0.018,False,,1.0,False,,,,0.06,0.0271,False,normal_rate,4.45,2.43,False,False,False,False,False,0.859,70.0,54.8,super_preferred_longevity,100.0,baseline,0.849,0.874,True,32.1,False,,496455.28,34216.42,35059.13,34902.96,8289.45,False,0,2.55,-20.0
LI-2024-INS004-000147,2012-01-22,11,77,88,1935,male,never_smoker,23.5,76,193,NE,USA,married,bachelors,hazardous,91405.88,0.6578,limited_exam,145,98,244,56,4.36,118,5.6,False,64.9,4.44,False,False,False,False,True,prostate,6.3,none,none,none,1,False,False,False,False,True,substandard_table_2,4.45,2.0,True,False,False,False,28,UW-044,1.5,term_life,500000,annual,5924.24,25.0,none,,,,False,none,captive_agent,False,False,False,0.118163,0.249519,SOA_2015_VBT,SOA_Scale_MP2023,1.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.059082,0.005,False,,1.0,False,,,,0.03,0.0352,False,normal_rate,2.74,0.9,True,False,False,False,False,0.997,8.3,1.0,sub_standard_longevity,23.9,baseline,1.007,0.557,False,,False,,500000.0,2499.63,2358.57,2369.7,20260.9,False,0,1.13,3.73
LI-2024-INS004-000148,2003-12-02,12,71,83,1932,male,never_smoker,32.2,63,181,TN,USA,divorced,some_college,professional,52817.95,0.3682,non_med_guaranteed,158,95,265,52,5.1,117,5.7,False,69.7,7.3,False,False,False,False,False,none,,pre_diabetes,none,anxiety,4,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,37,UW-422,1.5,universal_life,500000,quarterly,4700.95,,10yr_declining,4698.44,,,False,none,captive_agent,False,False,False,0.076116,0.185427,SOA_2015_VBT,SOA_Scale_MP2023,1.582,cancer,True,2015-09-22,False,False,1464930.73,0.0007,5e-05,1.095,0.038058,0.005,False,,1.0,False,,,,0.04,0.0562,False,normal_rate,2.09,2.09,False,False,False,False,False,0.876,12.7,1.0,sub_standard_longevity,19.5,baseline,1.224,0.279,False,,False,,495301.56,1849.14,1659.56,1880.38,16077.25,False,0,0.6,6.83
LI-2024-INS004-000149,2015-12-15,12,26,38,1989,female,never_smoker,30.5,69,206,NM,USA,single,high_school,professional,20056.12,0.8907,full_paramedical,116,75,214,42,5.1,81,4.4,False,95.2,,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,44,UW-025,2.0,annuity_deferred,500000,annual,2994.54,,none,2894.84,,,True,quota_share,independent_broker,True,True,False,0.001816,0.004893,SOA_2015_VBT,SOA_Scale_MP2023,2.036,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001816,0.02,False,,1.0,False,,,,0.01,0.0099,False,normal_rate,1.62,2.59,False,False,False,False,False,0.787,70.0,54.5,super_preferred_longevity,100.0,baseline,0.832,1.0,True,30.3,False,,497105.16,25210.09,23559.7,23956.32,5689.63,False,0,0.92,-1.19
LI-2024-INS004-000150,2023-06-03,4,69,73,1954,male,former_smoker,24.9,70,173,TX,USA,divorced,bachelors,white_collar,100278.1,0.4767,limited_exam,148,86,226,55,4.11,92,5.0,False,88.1,3.53,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-258,1.5,group_life,250000,annual,2586.07,,none,,,,True,facultative,direct_to_consumer,False,False,False,0.04287,0.097204,SOA_2015_VBT,SOA_Scale_MP2023,1.547,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021435,0.012,False,,1.0,False,,,,0.15,0.2769,False,normal_rate,4.8,2.02,False,False,False,False,False,0.965,19.0,13.0,standard_longevity,39.2,baseline,1.142,0.539,False,,True,-1.312,250000.0,13278.17,12546.4,13447.56,6361.73,False,0,3.27,10.63
LI-2024-INS004-000151,2010-07-09,4,23,27,1987,female,never_smoker,34.0,62,185,KY,USA,married,high_school,professional,299484.03,0.4796,simplified_issue,144,86,165,39,4.23,115,5.3,False,,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-122,1.25,whole_life,1000000,annual,2741.89,,none,2068.33,,,True,quota_share,independent_broker,False,False,False,0.001023,0.001933,SOA_2015_VBT,SOA_Scale_MP2023,1.438,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000256,0.02,False,,1.0,False,,,,0.04,0.0527,False,normal_rate,4.17,2.91,False,False,False,False,False,0.771,70.0,55.0,super_preferred_longevity,100.0,baseline,1.14,0.542,False,,False,,997931.67,21077.95,20429.26,21935.12,5209.59,False,0,1.82,15.13
LI-2024-INS004-000152,2020-09-07,2,68,70,1952,male,unknown,28.2,67,179,NV,USA,widowed,bachelors,white_collar,285879.58,0.4352,full_paramedical,133,94,219,60,3.65,118,,False,66.1,3.35,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,43,UW-083,1.5,universal_life,500000,semi_annual,4158.8,,10yr_declining,2872.66,,,False,none,independent_broker,False,False,False,0.028483,0.070957,SOA_2015_VBT,SOA_Scale_MP2023,1.646,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014242,0.012,True,0.00169,1.0,False,,,,0.08,0.0487,False,normal_rate,3.95,2.21,False,False,False,False,False,0.835,19.5,17.5,standard_longevity,45.3,baseline,1.174,0.395,False,,False,,497127.34,27632.31,30468.33,29111.6,8733.48,False,0,4.41,12.26
LI-2024-INS004-000153,2014-10-11,12,19,31,1995,male,former_smoker,30.1,75,240,AL,USA,married,some_college,professional,90986.21,0.708,accelerated_UW,127,72,294,37,7.95,92,4.5,False,101.0,,False,False,True,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,29,UW-394,1.5,indexed_ul,5000000,semi_annual,17436.18,,15yr_declining,17808.82,12377.13,0.695,True,excess_of_loss,captive_agent,False,False,False,0.001992,0.004078,SOA_2015_VBT,SOA_Scale_MP2023,1.597,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000996,0.022,False,,1.0,False,,,,0.04,0.0122,False,normal_rate,5.61,1.05,False,False,False,False,False,0.752,70.0,65.4,super_preferred_longevity,100.0,baseline,0.969,0.661,True,86.5,False,,4982191.18,145181.94,135472.9,139489.44,33128.74,False,0,2.35,6.56
LI-2024-INS004-000154,2020-07-04,3,73,76,1947,female,never_smoker,25.5,66,158,WV,USA,married,bachelors,professional,69983.86,0.4302,accelerated_UW,145,93,194,61,3.18,85,5.3,False,,,False,False,True,True,False,none,,none,none,anxiety,14,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,27,UW-481,2.5,whole_life,1000000,monthly,16644.14,,none,11631.95,,,True,quota_share,independent_broker,False,False,False,0.033884,0.164166,SOA_2015_VBT,SOA_Scale_MP2023,2.67,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050826,0.008,True,0.00683,1.0,False,,,,0.04,0.0542,False,normal_rate,3.36,0.62,False,False,False,False,False,0.952,20.4,17.4,standard_longevity,55.1,baseline,1.177,0.412,False,,False,,988368.05,112013.57,118857.41,115843.21,35085.85,False,0,1.19,-20.0
LI-2024-INS004-000155,2023-04-23,1,45,46,1978,female,never_smoker,29.7,63,167,SD,USA,married,less_than_hs,white_collar,35135.69,0.6223,simplified_issue,108,56,195,42,4.64,113,4.8,False,,,False,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,4,UW-194,0.81,term_life,1000000,monthly,2796.77,10.0,none,,,,True,quota_share,bank,False,False,False,0.003155,0.002464,SOA_2015_VBT,SOA_Scale_MP2023,0.756,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.1202,False,normal_rate,2.58,1.24,False,False,False,False,False,0.753,51.6,50.6,super_preferred_longevity,97.7,baseline,1.033,0.493,False,,False,,1000000.0,22819.75,21970.19,22374.16,5313.86,False,0,4.24,21.9
LI-2024-INS004-000156,2012-08-26,15,45,60,1967,female,never_smoker,31.3,68,205,AK,USA,married,some_college,heavy_blue_collar,38332.81,0.7362,limited_exam,133,77,236,29,8.14,93,,False,,,False,False,False,True,False,none,,none,none,anxiety,3,False,False,False,False,True,substandard_table_6,0.54,6.0,False,False,False,False,44,UW-263,2.5,annuity_deferred,1000000,monthly,11920.28,,none,13029.63,,,True,quota_share,captive_agent,False,False,False,0.009766,0.038088,SOA_2015_VBT,SOA_Scale_MP2023,2.532,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014649,0.015,False,,1.0,False,,,,0.01,0.0111,False,normal_rate,2.1,1.77,False,False,False,False,False,0.946,50.2,35.2,preferred_longevity,76.3,baseline,0.948,0.738,False,,False,,986970.37,89647.6,98385.23,95362.24,22648.53,False,0,2.06,-20.0
LI-2024-INS004-000157,2010-04-22,15,48,63,1962,female,never_smoker,23.3,67,149,MI,USA,married,some_college,white_collar,58704.65,0.3393,non_med_guaranteed,114,56,224,70,3.2,110,,False,86.7,,False,False,False,True,False,none,,none,none,none,7,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,30,UW-423,2.5,annuity_immediate,500000,annual,5809.35,,none,,,,True,none,bank,False,False,False,0.012066,0.057082,SOA_2015_VBT,SOA_Scale_MP2023,2.594,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018099,0.015,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.97,0.99,False,False,False,False,False,0.755,44.9,29.9,preferred_longevity,62.4,baseline,1.246,0.147,False,,False,,500000.0,46981.42,41163.12,46474.8,11037.77,False,0,2.19,-20.0
LI-2024-INS004-000158,2008-02-01,5,71,76,1937,male,former_smoker,27.2,63,153,IN,USA,married,high_school,white_collar,20000.0,0.3416,full_paramedical,148,89,169,41,4.12,121,5.1,False,69.1,4.76,True,False,False,False,False,none,,none,none,schizophrenia,12,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,40,UW-472,2.25,term_life,1000000,monthly,14509.56,15.0,none,,,,True,quota_share,direct_to_consumer,True,False,False,0.055295,0.234179,SOA_2015_VBT,SOA_Scale_MP2023,2.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.069118,0.005,False,,1.0,False,,,,0.07,0.1398,False,normal_rate,3.81,1.02,False,False,False,False,False,0.911,13.3,8.3,sub_standard_longevity,30.1,baseline,1.244,0.216,False,,False,,1000000.0,48254.73,48184.34,48171.74,41149.11,False,0,6.37,-15.92
LI-2024-INS004-000159,2016-06-16,8,51,59,1965,male,current_smoker,20.7,76,170,VA,USA,widowed,some_college,light_blue_collar,101577.64,0.1407,full_paramedical,109,69,175,48,3.65,98,5.0,True,85.1,2.57,False,False,False,False,False,none,,none,none,anxiety,14,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-044,1.5,term_life,500000,quarterly,3229.69,15.0,none,,,,False,none,independent_broker,False,False,False,0.022429,0.058787,SOA_2015_VBT,SOA_Scale_MP2023,1.521,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011215,0.015,False,,1.0,False,,,,0.05,0.0794,False,normal_rate,2.17,0.56,False,False,False,False,False,0.887,37.5,32.0,preferred_longevity,62.6,baseline,1.394,0.262,True,59.4,False,,500000.0,24775.69,24554.76,25837.52,6136.41,False,0,1.06,0.57
LI-2024-INS004-000160,2002-05-08,4,24,28,1978,male,never_smoker,26.2,66,162,UT,USA,married,some_college,white_collar,153857.2,0.552,full_paramedical,105,67,186,43,4.33,81,5.4,False,110.7,,False,False,False,False,False,none,,none,none,depression,5,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,44,UW-117,1.25,term_life,1000000,monthly,2953.29,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.001334,0.002315,SOA_2015_VBT,SOA_Scale_MP2023,1.368,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000333,0.018,False,,1.0,False,,,,0.07,0.0881,False,normal_rate,3.33,2.43,False,False,False,False,False,0.782,68.3,55.0,super_preferred_longevity,100.0,baseline,1.086,0.434,False,,False,,1000000.0,23034.25,22811.25,23626.32,5611.25,False,0,2.48,9.31
LI-2024-INS004-000161,2023-01-16,3,69,72,1954,male,never_smoker,32.1,72,236,VT,USA,married,some_college,light_blue_collar,58579.17,0.661,full_paramedical,158,96,224,34,6.59,129,6.5,False,88.1,3.9,False,False,False,False,False,none,,type_2,none,bipolar,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,31,UW-169,2.0,whole_life,500000,annual,6730.12,,none,4850.6,,,False,none,independent_broker,True,False,False,0.030217,0.093852,SOA_2015_VBT,SOA_Scale_MP2023,2.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030217,0.012,False,,1.0,False,,,,0.04,0.0468,False,normal_rate,3.67,1.08,False,False,False,False,False,0.853,19.7,15.7,standard_longevity,46.0,baseline,1.004,0.738,True,12.4,False,,495149.4,39491.08,43192.51,42265.15,15102.39,False,0,2.52,-4.85
LI-2024-INS004-000162,2005-02-05,14,52,66,1953,male,never_smoker,49.1,66,304,IN,USA,married,bachelors,professional,20000.0,0.9485,simplified_issue,147,87,258,20,12.9,129,5.0,False,63.4,2.92,True,True,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,True,True,substandard_table_8,,8.0,False,False,False,False,32,UW-378,3.0,term_life,1000000,monthly,15903.91,30.0,none,,,,True,facultative,employer_group,False,False,False,0.017696,0.080467,SOA_2015_VBT,SOA_Scale_MP2023,3.23,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035392,0.012,False,,1.0,False,,,,0.03,0.0339,False,normal_rate,5.01,2.04,False,False,False,False,False,0.761,37.7,23.7,preferred_longevity,62.3,baseline,0.789,0.981,False,,False,,1000000.0,116939.14,125924.48,127231.28,30217.43,False,0,1.01,-20.0
LI-2024-INS004-000163,2005-05-21,10,52,62,1953,female,never_smoker,21.8,69,147,IN,USA,divorced,some_college,light_blue_collar,108476.36,0.6139,limited_exam,142,83,169,60,2.82,91,5.5,False,,,False,True,True,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-439,2.0,term_life,100000,annual,1103.83,15.0,none,,,,False,none,independent_broker,False,False,False,0.010023,0.031759,SOA_2015_VBT,SOA_Scale_MP2023,2.086,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010023,0.012,False,,1.0,False,,,,0.05,0.0604,False,normal_rate,4.54,1.59,False,False,False,False,False,0.781,43.4,34.7,super_preferred_longevity,83.8,baseline,1.04,0.525,True,45.9,False,,100000.0,9019.6,7819.07,8830.64,2097.28,False,0,3.25,-2.27
LI-2024-INS004-000164,2023-07-06,1,22,23,2001,female,never_smoker,36.1,63,203,VA,USA,single,bachelors,professional,36931.33,0.7388,non_med_guaranteed,108,70,201,46,4.37,87,5.2,False,62.6,,True,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-009,1.25,whole_life,5000000,annual,11513.05,,none,7012.66,,,True,facultative,captive_agent,False,False,False,0.000882,0.001313,SOA_2015_VBT,SOA_Scale_MP2023,1.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000221,0.012,False,,1.0,False,,,,0.06,0.0665,False,normal_rate,5.99,1.32,False,False,False,False,False,0.803,70.0,57.5,super_preferred_longevity,100.0,baseline,0.946,0.821,True,47.6,False,,4992987.34,100189.75,80514.06,92104.4,21874.79,False,0,4.73,16.92
LI-2024-INS004-000165,2011-06-06,13,18,31,1993,female,never_smoker,28.9,61,153,CA,USA,married,high_school,white_collar,94171.12,0.8473,full_paramedical,141,85,218,38,5.74,108,5.0,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,38,UW-171,2.25,term_life,1000000,monthly,6659.21,20.0,none,,,,True,none,employer_group,True,False,False,0.001226,0.004101,SOA_2015_VBT,SOA_Scale_MP2023,2.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001532,0.022,False,,1.0,False,,,,0.03,0.0368,False,normal_rate,4.97,2.26,True,False,False,False,False,0.811,70.0,55.0,super_preferred_longevity,100.0,baseline,0.865,0.821,False,,False,,1000000.0,50465.05,49848.16,53273.68,12652.5,False,0,-0.14,-9.06
LI-2024-INS004-000166,2002-01-05,16,41,57,1961,male,never_smoker,17.5,66,108,KS,USA,divorced,bachelors,light_blue_collar,74313.35,0.2767,simplified_issue,132,82,234,50,4.68,94,5.3,False,84.7,5.72,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,22,UW-447,0.69,term_life,500000,monthly,1418.73,20.0,none,,,,True,none,captive_agent,False,False,False,0.008921,0.007587,SOA_2015_VBT,SOA_Scale_MP2023,0.658,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0444,False,normal_rate,3.24,2.58,False,False,False,False,False,0.811,50.5,39.1,super_preferred_longevity,85.3,baseline,1.292,0.323,True,72.2,False,,500000.0,10921.87,11285.54,11349.84,2695.59,False,0,4.47,25.99
LI-2024-INS004-000167,2005-10-08,10,37,47,1968,female,unknown,23.0,61,121,NM,USA,single,graduate,professional,26305.23,0.3586,simplified_issue,129,82,262,36,7.28,101,,False,,,False,True,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-284,2.25,universal_life,250000,quarterly,2197.69,,15yr_declining,2032.08,,,True,none,captive_agent,False,False,False,0.003911,0.016438,SOA_2015_VBT,SOA_Scale_MP2023,2.399,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004888,0.015,False,,1.0,False,,,,0.06,0.0382,False,normal_rate,4.04,2.31,False,False,False,True,False,0.91,56.8,46.8,super_preferred_longevity,88.1,baseline,1.231,0.317,False,,False,,247967.92,17135.46,16665.7,17581.52,4175.61,False,0,2.11,-6.83
LI-2024-INS004-000168,2018-02-14,1,74,75,1944,non_binary,never_smoker,20.2,65,121,NV,USA,widowed,bachelors,professional,88329.47,0.2721,simplified_issue,136,76,167,50,3.34,105,4.6,False,38.5,,False,False,True,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-076,1.25,term_life,500000,monthly,3661.07,20.0,none,,,,False,none,captive_agent,False,False,False,0.034101,0.071455,SOA_2015_VBT,SOA_Scale_MP2023,1.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008525,0.008,False,,1.0,False,,,,0.1,0.2075,False,normal_rate,2.83,1.49,False,False,False,False,False,0.813,14.3,13.3,standard_longevity,46.5,baseline,1.296,0.142,False,,False,,500000.0,19176.73,19787.54,19476.89,8918.37,False,0,3.92,11.86
LI-2024-INS004-000169,2009-09-18,13,60,73,1949,female,current_smoker,23.6,70,164,WA,USA,divorced,high_school,heavy_blue_collar,20000.0,0.7026,non_med_guaranteed,137,96,213,48,4.44,72,5.1,True,75.4,,True,False,True,False,False,none,,none,none,schizophrenia,3,False,False,False,True,True,substandard_table_7,0.79,7.0,False,False,False,False,29,UW-096,2.75,universal_life,250000,monthly,3832.7,,15yr_declining,3975.4,,,False,none,captive_agent,True,False,False,0.05299,0.240095,SOA_2015_VBT,SOA_Scale_MP2023,2.858,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.092732,0.008,False,,1.0,False,,,,0.04,0.0205,False,normal_rate,3.56,2.07,False,False,False,False,False,0.836,34.8,22.8,preferred_longevity,67.2,baseline,0.973,0.72,True,48.1,False,,246024.6,29911.79,27759.55,30661.6,7282.13,False,0,-0.41,-20.0
LI-2024-INS004-000170,2018-04-16,2,49,51,1969,male,never_smoker,30.9,60,157,AZ,USA,single,some_college,light_blue_collar,67885.54,0.4797,full_paramedical,144,87,226,59,3.83,80,,False,76.0,1.76,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,14,UW-448,1.0,term_life,250000,monthly,1131.68,20.0,none,,,,False,none,bank,False,False,False,0.005801,0.007018,SOA_2015_VBT,SOA_Scale_MP2023,1.061,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.0921,False,normal_rate,2.56,2.54,False,False,False,False,False,0.997,41.5,39.5,preferred_longevity,78.9,baseline,1.14,0.595,False,,False,,250000.0,8896.14,8035.72,9053.44,2150.19,False,0,3.17,22.98
LI-2024-INS004-000171,2010-01-21,2,41,43,1969,female,current_smoker,24.3,68,159,RI,USA,married,bachelors,white_collar,44283.38,0.5796,full_paramedical,115,72,230,53,4.34,68,5.3,True,85.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,19,UW-017,2.75,term_life,1000000,quarterly,10424.15,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.005074,0.0249,SOA_2015_VBT,SOA_Scale_MP2023,2.964,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008879,0.015,False,,1.0,False,,,,0.07,0.0865,False,normal_rate,3.77,1.03,False,False,False,False,False,0.982,53.9,58.1,super_preferred_longevity,100.0,baseline,1.065,0.453,True,68.9,False,,1000000.0,86991.87,73556.73,83393.2,19805.89,False,0,0.4,-18.3
LI-2024-INS004-000172,2012-05-08,5,64,69,1948,female,unknown,37.0,68,243,FL,USA,divorced,bachelors,professional,33308.69,0.8399,limited_exam,145,97,236,23,10.26,87,5.1,False,79.2,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,10,UW-133,1.75,term_life,100000,monthly,1084.02,10.0,none,,,,False,none,independent_broker,False,False,False,0.021313,0.052182,SOA_2015_VBT,SOA_Scale_MP2023,1.952,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015985,0.008,False,,1.0,False,,,,0.07,0.072,False,normal_rate,6.32,0.5,False,False,False,False,False,0.92,28.2,23.2,standard_longevity,59.9,baseline,0.87,0.573,False,,False,,100000.0,8359.34,8004.45,8672.16,2059.64,False,0,-1.53,4.66
LI-2024-INS004-000173,2004-09-22,19,56,75,1948,male,never_smoker,26.3,74,204,ME,USA,divorced,some_college,white_collar,55910.84,0.8659,non_med_guaranteed,152,91,221,48,4.6,110,5.6,False,77.8,2.74,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-495,1.5,term_life,5000000,annual,51676.44,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.039127,0.073611,SOA_2015_VBT,SOA_Scale_MP2023,1.624,cardiovascular,True,2022-02-18,False,False,751447.7,0.0007,5e-05,1.095,0.019564,0.008,False,,1.0,False,,,,0.03,0.0423,False,normal_rate,4.04,2.62,False,False,False,False,False,0.848,32.3,13.3,standard_longevity,45.4,baseline,0.851,0.679,False,,False,,5000000.0,301877.97,275342.81,274918.66,125883.81,False,0,1.93,3.78
LI-2024-INS004-000174,2016-12-10,4,36,40,1980,female,never_smoker,26.3,59,130,WI,USA,married,graduate,professional,22752.23,0.6249,non_med_guaranteed,134,93,186,45,4.13,101,,False,85.7,,True,False,False,False,False,none,,none,none,substance_use_disorder,10,True,False,False,False,False,substandard_table_5,4.03,5.0,True,False,False,False,7,UW-193,2.25,annuity_deferred,500000,monthly,4148.99,,none,3115.08,,,False,none,worksite,False,True,False,0.002066,0.007903,SOA_2015_VBT,SOA_Scale_MP2023,2.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.02,False,,1.0,False,,,,0.04,0.048,False,normal_rate,2.79,2.07,False,False,False,False,False,0.913,61.1,58.4,super_preferred_longevity,100.0,baseline,1.031,0.633,True,52.9,False,,496884.92,34439.83,34549.84,33191.92,7883.08,False,0,0.28,-14.33
LI-2024-INS004-000175,2012-12-26,11,60,71,1952,male,never_smoker,27.1,72,199,TN,USA,married,less_than_hs,professional,51744.09,0.6362,limited_exam,134,85,215,33,6.52,99,,False,,8.17,False,False,False,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,standard,,,False,True,False,False,30,UW-408,1.0,whole_life,500000,semi_annual,3153.03,,none,2897.32,,,False,none,employer_group,False,True,False,0.027028,0.027812,SOA_2015_VBT,SOA_Scale_MP2023,1.006,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.015,0.0214,False,normal_rate,4.52,2.38,False,False,False,False,False,0.862,28.3,16.3,standard_longevity,46.5,baseline,1.023,0.626,True,12.5,False,,497102.68,21360.4,17495.99,20557.76,6924.05,False,0,4.36,16.68
LI-2024-INS004-000176,2010-02-02,7,26,33,1984,female,never_smoker,30.6,62,167,AZ,USA,single,high_school,heavy_blue_collar,33992.64,0.6255,full_paramedical,131,76,204,41,4.98,70,,False,85.4,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,standard_plus,1.02,,False,False,False,False,9,UW-073,0.91,term_life,1000000,annual,2596.14,30.0,none,,,,True,quota_share,bank,False,False,False,0.001358,0.001294,SOA_2015_VBT,SOA_Scale_MP2023,0.924,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.06,False,normal_rate,2.02,2.76,False,False,False,False,False,0.768,70.0,55.0,super_preferred_longevity,100.0,baseline,1.031,0.636,False,,False,,1000000.0,21577.1,19879.8,20769.12,4932.67,False,0,4.31,26.57
LI-2024-INS004-000177,2023-05-21,2,62,64,1961,female,never_smoker,24.7,68,162,RI,USA,single,bachelors,heavy_blue_collar,86225.68,0.683,full_paramedical,125,78,208,48,4.33,77,,False,85.3,,False,True,False,False,False,none,,none,none,depression,4,False,False,False,True,True,substandard_table_1,1.37,1.0,False,False,False,False,16,UW-194,1.25,annuity_deferred,250000,monthly,1896.86,,none,1310.14,,,False,none,direct_to_consumer,False,False,False,0.012955,0.01995,SOA_2015_VBT,SOA_Scale_MP2023,1.306,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003239,0.015,False,,1.0,False,,,,0.04,0.0646,False,normal_rate,4.13,1.2,False,False,False,False,False,0.952,32.1,31.5,preferred_longevity,70.0,baseline,0.988,0.652,True,48.5,False,,248689.86,15939.31,13446.98,15174.88,3604.03,False,0,2.06,15.65
LI-2024-INS004-000178,2021-09-18,4,56,60,1965,male,never_smoker,19.6,60,100,VA,USA,single,high_school,light_blue_collar,110089.0,0.2679,full_paramedical,131,84,180,70,2.57,72,,False,75.5,2.65,False,False,False,False,False,none,,none,none,anxiety,19,False,False,False,False,False,preferred,,,False,False,False,False,12,UW-209,0.84,universal_life,1000000,annual,4396.5,,10yr_declining,3237.6,,,True,excess_of_loss,captive_agent,True,False,False,0.012208,0.019171,SOA_2015_VBT,SOA_Scale_MP2023,0.759,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00713,1.0,False,,,,0.08,0.0749,False,normal_rate,5.7,2.19,False,False,False,False,True,0.781,33.0,29.0,preferred_longevity,60.0,baseline,1.299,0.227,False,,False,,996762.4,36415.5,33641.38,35172.0,8353.35,False,0,8.38,22.99
LI-2024-INS004-000179,2000-10-07,27,76,103,1924,female,current_smoker,24.6,69,166,MN,USA,single,bachelors,white_collar,20000.0,0.1469,full_paramedical,148,92,243,55,4.42,115,4.8,True,50.4,,False,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,5,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,15,UW-088,2.75,term_life,250000,quarterly,5522.98,30.0,none,,,,False,none,captive_agent,False,False,False,0.426137,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.856,cardiovascular,True,2010-04-29,False,False,772331.47,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.03,0.0475,False,normal_rate,4.2,2.9,False,False,False,False,False,0.751,10.1,1.0,sub_standard_longevity,16.2,baseline,1.39,0.107,False,,False,,250000.0,2363.11,1903.22,2209.19,18888.59,False,0,1.79,-20.0
LI-2024-INS004-000180,2014-06-10,2,40,42,1974,male,former_smoker,32.5,65,195,AL,USA,single,some_college,white_collar,231134.19,0.6662,full_paramedical,139,81,233,36,6.47,110,6.5,False,79.3,2.24,False,False,False,False,False,none,,type_2,none,substance_use_disorder,0,False,False,True,False,True,standard,,,False,True,False,False,55,UW-072,1.0,term_life,500000,annual,1950.74,20.0,none,,,,False,none,independent_broker,True,False,False,0.003844,0.004226,SOA_2015_VBT,SOA_Scale_MP2023,1.099,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0817,False,normal_rate,3.84,1.7,False,False,False,False,True,0.831,52.2,50.2,super_preferred_longevity,97.8,baseline,1.0,0.567,False,,False,,500000.0,16541.71,15494.56,15605.92,3706.41,False,0,6.0,15.94
LI-2024-INS004-000181,2024-07-17,3,64,67,1960,female,never_smoker,32.3,59,159,AK,USA,single,some_college,hazardous,58034.0,0.9186,full_paramedical,124,88,185,48,3.85,113,6.5,False,78.7,,False,False,False,False,False,none,,type_2,none,none,3,False,False,False,False,True,substandard_table_2,4.42,2.0,True,False,False,False,42,UW-342,1.5,indexed_ul,250000,monthly,2235.0,,10yr_declining,1477.44,,,False,none,bank,False,False,False,0.016549,0.031308,SOA_2015_VBT,SOA_Scale_MP2023,1.716,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008275,0.015,False,,1.0,False,,,,0.08,0.0347,False,normal_rate,4.63,0.6,False,False,False,False,False,0.852,30.9,27.9,preferred_longevity,68.1,baseline,0.811,0.841,False,,False,,248522.56,16417.19,15380.22,17880.0,4246.5,False,0,2.89,8.85
LI-2024-INS004-000182,2009-12-21,8,80,88,1929,male,never_smoker,23.1,61,122,TN,USA,single,high_school,white_collar,98983.22,0.499,accelerated_UW,130,92,227,55,4.13,93,,False,80.2,18.48,False,False,False,False,False,none,,none,none,none,11,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,True,43,UW-058,1.5,term_life,100000,semi_annual,1223.47,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.088928,0.218357,SOA_2015_VBT,SOA_Scale_MP2023,1.737,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044464,0.012,False,,1.0,False,,,,0.05,0.0911,False,normal_rate,2.44,1.03,False,False,False,False,False,0.978,5.0,1.0,sub_standard_longevity,21.5,baseline,1.126,0.618,True,40.8,False,,100000.0,452.23,473.39,489.39,4184.27,False,0,2.02,11.24
LI-2024-INS004-000183,2020-04-07,4,63,67,1957,female,never_smoker,28.3,66,175,MD,USA,married,graduate,light_blue_collar,29036.49,0.9625,full_paramedical,143,90,237,47,5.04,79,,False,87.1,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-215,1.25,whole_life,2000000,annual,15239.36,,none,11170.35,,,True,none,worksite,False,True,False,0.016205,0.024112,SOA_2015_VBT,SOA_Scale_MP2023,1.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004051,0.012,True,0.00292,1.0,False,,,,0.04,0.0372,False,normal_rate,1.94,1.83,False,False,False,False,False,0.902,31.4,27.4,preferred_longevity,68.0,baseline,0.778,0.887,False,,False,,1988829.65,123438.78,113143.03,121914.88,28954.78,False,0,2.4,15.55
LI-2024-INS004-000184,2006-03-01,19,28,47,1978,male,current_smoker,30.8,76,253,VA,USA,married,high_school,white_collar,547317.14,0.7799,simplified_issue,111,65,203,41,4.95,97,5.3,True,99.3,1.89,False,False,True,False,False,none,,none,none,anxiety,21,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-274,1.5,term_life,1000000,semi_annual,6720.99,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.008502,0.017842,SOA_2015_VBT,SOA_Scale_MP2023,1.747,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004251,0.018,False,,1.0,False,,,,0.03,0.0323,False,normal_rate,5.03,2.96,False,True,False,False,False,0.754,68.3,49.3,super_preferred_longevity,100.0,baseline,0.915,0.814,False,,False,,1000000.0,51398.8,48455.51,53767.92,12769.88,False,0,0.35,2.91
LI-2024-INS004-000185,2021-10-04,6,64,70,1957,female,former_smoker,37.2,62,203,SD,USA,married,high_school,heavy_blue_collar,28101.96,0.2483,full_paramedical,145,83,265,53,5.0,118,5.3,False,,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,1.36,5.0,False,False,False,False,18,UW-483,2.25,universal_life,1000000,annual,11419.56,,15yr_declining,9189.14,,,True,none,captive_agent,True,False,False,0.027362,0.121779,SOA_2015_VBT,SOA_Scale_MP2023,2.297,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034202,0.012,True,0.00501,1.0,False,,,,0.06,0.0405,False,normal_rate,2.95,2.32,False,False,False,False,True,0.911,27.5,18.9,standard_longevity,44.6,baseline,1.314,0.353,False,,True,-1.738,990810.86,91970.42,86564.03,86331.87,22702.09,False,0,0.41,-13.86
LI-2024-INS004-000186,2001-03-08,3,67,70,1934,male,former_smoker,26.2,60,134,AL,USA,widowed,high_school,light_blue_collar,462198.19,0.4751,full_paramedical,123,80,178,71,2.51,94,4.9,False,62.0,7.4,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-053,2.25,whole_life,250000,quarterly,3672.7,,none,2684.89,,,False,none,independent_broker,False,False,False,0.032249,0.12348,SOA_2015_VBT,SOA_Scale_MP2023,2.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.040311,0.005,False,,1.0,False,,,,0.04,0.0528,False,normal_rate,3.79,2.22,False,False,False,False,False,0.82,17.4,14.4,standard_longevity,41.2,baseline,1.144,0.634,False,,False,,247315.11,19989.22,22028.3,21154.75,8623.5,False,0,3.8,-11.15
LI-2024-INS004-000187,2002-10-11,12,25,37,1977,female,former_smoker,20.6,72,152,GA,USA,single,some_college,professional,20077.21,0.4522,full_paramedical,111,67,214,66,3.24,107,4.7,False,108.6,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-002,1.25,indexed_ul,5000000,annual,20966.7,,15yr_declining,21509.59,,,True,coinsurance,captive_agent,False,False,False,0.00222,0.004291,SOA_2015_VBT,SOA_Scale_MP2023,1.45,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000555,0.018,False,,1.0,False,,,,0.04,0.0241,False,normal_rate,2.81,1.31,False,False,False,False,False,0.9,70.0,55.0,super_preferred_longevity,100.0,baseline,1.161,0.52,False,,False,,4978490.41,167105.89,175209.45,167733.6,39836.73,False,0,1.96,10.82
LI-2024-INS004-000188,2020-06-05,6,69,75,1951,female,never_smoker,26.1,66,161,OH,USA,married,some_college,white_collar,84343.53,0.6594,limited_exam,130,83,189,40,4.72,68,,False,,,True,False,True,False,False,none,,none,none,anxiety,4,False,False,False,False,False,preferred,,,False,False,False,False,7,UW-428,0.83,indexed_ul,5000000,annual,29229.77,,15yr_declining,21620.54,4540.31,0.21,True,excess_of_loss,captive_agent,False,False,False,0.030302,0.024818,SOA_2015_VBT,SOA_Scale_MP2023,0.779,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00108,1.0,False,,,,0.06,0.019,False,normal_rate,5.89,2.16,False,False,False,False,False,0.769,26.2,19.0,preferred_longevity,60.9,baseline,1.005,0.677,False,,True,-0.779,4978379.46,216159.15,192333.93,222146.25,57874.95,False,0,8.73,25.57
LI-2024-INS004-000189,2018-07-05,3,66,69,1952,male,never_smoker,24.5,76,201,MD,USA,married,bachelors,light_blue_collar,20000.0,0.8163,limited_exam,120,69,233,53,4.4,79,5.6,True,78.6,1.42,False,False,False,False,True,melanoma,8.1,none,none,none,3,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,42,UW-217,1.5,annuity_deferred,250000,semi_annual,1920.09,,none,1221.28,,,False,none,independent_broker,False,True,False,0.045397,0.08819,SOA_2015_VBT,SOA_Scale_MP2023,1.625,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022699,0.012,False,,1.0,False,,,,0.04,0.0419,False,normal_rate,4.6,0.69,False,False,False,False,False,0.843,23.0,20.0,standard_longevity,54.7,baseline,0.888,0.829,False,,False,,248778.72,14993.51,13224.57,15360.72,3648.17,False,0,2.09,4.86
LI-2024-INS004-000190,2013-04-09,2,24,26,1989,male,never_smoker,31.9,70,222,ME,USA,single,high_school,professional,32318.99,0.2597,full_paramedical,104,71,212,46,4.61,91,,False,,,False,True,False,False,False,none,,none,none,none,6,False,False,False,True,True,preferred,,,False,False,False,False,36,UW-499,0.83,term_life,1000000,quarterly,2018.08,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001229,0.001252,SOA_2015_VBT,SOA_Scale_MP2023,0.781,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.1462,False,normal_rate,4.02,0.59,False,False,False,False,False,0.804,69.0,59.6,super_preferred_longevity,100.0,baseline,1.305,0.25,True,58.9,False,,1000000.0,17606.76,14470.67,16144.64,3834.35,False,0,-1.22,22.07
LI-2024-INS004-000191,2021-11-05,6,67,73,1954,male,unknown,31.3,76,256,RI,USA,married,graduate,hazardous,66233.54,0.712,limited_exam,134,75,271,48,5.65,90,,False,70.7,8.2,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,True,False,True,substandard_table_5,4.99,5.0,True,False,False,False,26,UW-281,2.25,indexed_ul,1000000,quarterly,15354.62,,10yr_declining,11930.18,,,True,none,independent_broker,False,False,False,0.037923,0.132909,SOA_2015_VBT,SOA_Scale_MP2023,2.274,other,True,2026-04-12,False,False,1533171.19,0.0007,5e-05,1.095,0.047404,0.012,True,0.0022,1.0,False,,,,0.06,0.0305,False,normal_rate,3.41,2.85,False,False,False,False,False,0.92,21.9,15.9,standard_longevity,47.0,baseline,0.966,0.755,False,,False,,988069.82,95878.7,95110.16,97655.38,34210.09,False,0,-2.55,-9.88
LI-2024-INS004-000192,2014-06-17,10,72,82,1942,female,never_smoker,33.9,68,222,NH,USA,married,graduate,white_collar,73280.89,0.5945,full_paramedical,152,97,230,68,3.38,116,5.4,False,53.7,,False,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,47,UW-274,1.5,group_life,500000,monthly,4554.67,,none,,,,False,none,direct_to_consumer,False,False,False,0.054802,0.119079,SOA_2015_VBT,SOA_Scale_MP2023,1.587,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027401,0.008,False,,1.0,False,,,,0.12,0.2057,False,normal_rate,5.18,2.99,False,False,False,False,False,0.867,18.3,8.3,sub_standard_longevity,33.9,baseline,1.054,0.65,False,,False,,500000.0,13725.13,13324.28,15121.5,12917.05,False,0,2.76,0.08
LI-2024-INS004-000193,2020-04-11,1,54,55,1966,female,former_smoker,24.7,58,118,MS,USA,married,graduate,heavy_blue_collar,72256.84,0.4455,full_paramedical,120,73,215,27,7.96,60,,False,,,True,True,False,True,False,none,,none,none,schizophrenia,7,False,False,False,False,True,substandard_table_6,1.02,6.0,False,False,False,False,26,UW-426,2.5,term_life,2000000,semi_annual,26158.21,20.0,none,,,,True,none,independent_broker,False,False,False,0.008346,0.042732,SOA_2015_VBT,SOA_Scale_MP2023,2.667,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01252,0.015,True,0.00426,1.0,False,,,,0.1,0.1344,False,normal_rate,2.09,1.59,False,False,False,False,False,0.931,39.9,38.9,preferred_longevity,77.5,baseline,1.166,0.615,False,,False,,2000000.0,225746.58,186186.19,209265.68,49700.6,False,0,0.81,-12.35
LI-2024-INS004-000194,2018-10-05,6,38,44,1980,male,former_smoker,33.1,64,193,MA,USA,single,graduate,white_collar,68887.46,0.4795,full_paramedical,139,85,211,46,4.59,87,4.9,False,,2.85,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-179,1.25,term_life,250000,semi_annual,1305.18,20.0,none,,,,False,none,independent_broker,False,False,False,0.004427,0.008175,SOA_2015_VBT,SOA_Scale_MP2023,1.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001107,0.02,False,,1.0,False,,,,0.05,0.0658,False,normal_rate,0.97,3.0,False,False,False,False,False,0.982,54.5,48.5,super_preferred_longevity,92.4,baseline,1.14,0.368,False,,False,,250000.0,11431.44,9576.53,10441.44,2479.84,False,0,-2.28,18.67
LI-2024-INS004-000195,2014-07-12,9,29,38,1985,female,never_smoker,26.2,64,152,TX,USA,married,some_college,white_collar,65402.24,0.8298,limited_exam,102,66,231,37,6.24,131,4.8,False,75.3,,False,True,False,False,False,none,,none,none,none,6,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,39,UW-342,1.5,term_life,500000,semi_annual,2362.97,15.0,none,,,,False,none,captive_agent,False,False,False,0.001816,0.0035,SOA_2015_VBT,SOA_Scale_MP2023,1.626,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000908,0.02,False,,1.0,False,,,,0.05,0.0518,False,normal_rate,3.55,2.55,False,False,False,False,False,0.97,69.7,59.0,super_preferred_longevity,100.0,baseline,0.878,0.78,True,56.0,False,,500000.0,17860.03,17140.43,18903.76,4489.64,False,0,3.15,2.65
LI-2024-INS004-000196,2008-05-27,14,75,89,1933,female,never_smoker,27.7,72,203,AL,USA,single,bachelors,white_collar,89338.91,0.6427,simplified_issue,162,103,242,42,5.76,101,5.7,False,38.9,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-089,2.25,whole_life,500000,annual,7589.74,,none,8004.04,,,True,excess_of_loss,employer_group,False,False,False,0.101742,0.376679,SOA_2015_VBT,SOA_Scale_MP2023,2.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.127177,0.005,False,,1.0,False,,,,0.015,0.0213,False,normal_rate,3.69,0.73,True,True,False,False,False,0.993,13.9,1.0,sub_standard_longevity,23.6,baseline,1.018,0.643,False,,False,,491995.96,3107.61,2910.62,3035.9,25956.91,False,0,-0.66,-10.51
LI-2024-INS004-000197,2018-07-01,3,65,68,1953,female,never_smoker,22.5,70,156,KS,USA,married,high_school,white_collar,47717.44,0.9077,limited_exam,144,78,174,57,3.05,125,,False,59.7,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-073,1.25,term_life,2000000,semi_annual,14256.52,10.0,none,,,,True,facultative,independent_broker,False,False,False,0.016845,0.023518,SOA_2015_VBT,SOA_Scale_MP2023,1.399,cancer,True,2018-11-29,True,False,765902.42,0.0007,5e-05,1.095,0.004211,0.012,False,,1.0,False,,,,0.07,0.0682,False,normal_rate,4.31,1.63,False,False,False,False,False,0.779,28.5,25.5,preferred_longevity,64.4,baseline,0.819,0.826,False,,False,,2000000.0,117045.19,116442.9,114052.16,27087.39,False,0,2.68,14.82
LI-2024-INS004-000198,2010-06-16,1,57,58,1953,male,current_smoker,29.3,63,165,AK,USA,married,some_college,professional,191147.59,0.8747,accelerated_UW,140,95,181,48,3.77,87,4.6,True,,12.52,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,26,UW-415,2.0,whole_life,500000,annual,4732.72,,none,3117.46,,,False,none,independent_broker,False,False,False,0.017833,0.049049,SOA_2015_VBT,SOA_Scale_MP2023,2.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017833,0.012,False,,1.0,False,,,,0.06,0.06,False,normal_rate,3.5,2.49,False,False,False,False,False,0.906,32.4,31.4,preferred_longevity,72.7,baseline,0.844,0.852,False,,False,,496882.54,39732.73,38360.72,37861.76,8992.17,False,0,-0.32,-0.03
LI-2024-INS004-000199,2019-07-14,6,30,36,1989,male,never_smoker,27.9,62,152,AZ,USA,widowed,high_school,white_collar,44887.53,0.479,full_paramedical,128,64,200,50,4.0,111,5.3,False,107.0,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,26,UW-353,2.25,term_life,500000,monthly,3688.97,20.0,none,,,,False,none,bank,False,False,False,0.00201,0.008118,SOA_2015_VBT,SOA_Scale_MP2023,2.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002512,0.02,False,,1.0,False,,,,0.05,0.0658,False,normal_rate,3.97,2.02,False,False,False,False,False,0.829,63.9,60.1,super_preferred_longevity,100.0,baseline,1.141,0.498,True,61.4,False,,500000.0,29049.9,29548.36,29511.76,7009.04,False,0,1.57,-18.5
LI-2024-INS004-000200,2010-04-07,16,21,37,1989,female,unknown,23.4,64,136,NH,USA,single,some_college,professional,35931.65,0.7089,accelerated_UW,141,80,197,40,4.92,79,,False,80.5,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,6,UW-425,1.25,indexed_ul,1000000,monthly,3634.89,,10yr_declining,4279.73,,,True,quota_share,independent_broker,False,False,False,0.001963,0.0029,SOA_2015_VBT,SOA_Scale_MP2023,1.267,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000491,0.02,False,,1.0,False,,,,0.04,0.0453,False,normal_rate,5.1,2.92,False,False,False,False,False,0.776,70.0,55.0,super_preferred_longevity,100.0,baseline,0.968,0.698,False,,True,1.183,995720.27,26449.4,24777.71,29079.12,6906.29,False,0,6.81,17.42
LI-2024-INS004-000201,2010-12-24,8,45,53,1965,male,never_smoker,31.6,71,226,OH,USA,widowed,graduate,light_blue_collar,87881.43,0.8112,accelerated_UW,143,87,229,42,5.45,92,5.2,False,97.3,1.15,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,7,UW-386,1.25,whole_life,2000000,monthly,12387.62,,none,10191.87,,,True,none,captive_agent,False,False,False,0.006813,0.009783,SOA_2015_VBT,SOA_Scale_MP2023,1.33,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001703,0.015,False,,1.0,False,,,,0.02,0.021,False,normal_rate,4.41,2.42,False,False,False,False,False,0.924,46.2,38.2,super_preferred_longevity,82.0,baseline,0.892,0.733,False,,False,,1989808.13,102017.19,101199.19,99100.96,23536.48,False,0,0.3,18.57
LI-2024-INS004-000202,2002-08-02,1,31,32,1971,female,never_smoker,25.7,64,149,CT,USA,married,bachelors,professional,61526.42,0.4615,full_paramedical,110,62,188,63,2.98,108,4.7,False,98.2,,True,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,preferred_plus,,,False,False,False,False,20,UW-237,0.56,indexed_ul,1000000,monthly,1393.7,,10yr_declining,916.07,,,True,excess_of_loss,captive_agent,False,False,False,0.001289,0.000947,SOA_2015_VBT,SOA_Scale_MP2023,0.637,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.11,0.0659,False,normal_rate,2.68,0.88,False,False,False,False,False,0.933,63.9,52.8,super_preferred_longevity,98.6,baseline,1.154,0.591,True,19.4,False,,999083.93,10252.75,10923.53,11149.6,2648.03,False,0,3.38,31.75
LI-2024-INS004-000203,2013-04-10,7,30,37,1983,male,never_smoker,19.7,75,157,CT,USA,married,bachelors,white_collar,30741.35,0.5597,full_paramedical,124,67,155,56,2.77,75,5.1,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,12,UW-376,0.62,term_life,250000,monthly,498.55,30.0,none,,,,False,none,captive_agent,False,False,False,0.002134,0.001512,SOA_2015_VBT,SOA_Scale_MP2023,0.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0626,False,normal_rate,3.81,1.64,False,False,False,False,False,0.793,63.3,55.0,super_preferred_longevity,100.0,baseline,1.08,0.638,False,,True,0.213,250000.0,4366.8,4093.1,3988.4,947.24,False,0,5.08,26.25
LI-2024-INS004-000204,2024-01-20,2,40,42,1984,female,never_smoker,31.0,61,164,AZ,USA,divorced,bachelors,white_collar,85461.31,0.7223,full_paramedical,141,88,275,44,6.25,87,5.3,False,92.7,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,29,UW-181,1.5,term_life,500000,monthly,2769.94,20.0,none,,,,False,none,captive_agent,False,False,False,0.002366,0.004844,SOA_2015_VBT,SOA_Scale_MP2023,1.615,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001183,0.02,False,,1.0,False,,,,0.07,0.0786,False,normal_rate,3.35,1.53,False,False,False,False,False,0.858,58.1,55.0,super_preferred_longevity,100.0,baseline,0.958,0.843,False,,True,0.341,500000.0,22503.37,21919.34,22159.52,5262.89,False,0,4.13,10.38
LI-2024-INS004-000205,2006-12-03,13,30,43,1976,female,unknown,25.7,72,189,OH,USA,divorced,some_college,light_blue_collar,82581.02,0.739,full_paramedical,132,80,256,48,5.33,107,5.3,False,84.5,,False,False,True,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-291,2.0,annuity_deferred,1000000,monthly,6787.28,,none,7007.22,,,True,quota_share,bank,False,False,False,0.002917,0.008734,SOA_2015_VBT,SOA_Scale_MP2023,2.108,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002917,0.018,False,,1.0,False,,,,0.01,0.0111,False,normal_rate,4.22,2.5,True,False,False,False,False,0.858,69.8,55.0,super_preferred_longevity,100.0,baseline,0.946,0.654,False,,False,,992992.78,49446.08,49474.62,54298.24,12895.83,False,0,2.03,4.85
LI-2024-INS004-000206,2021-01-02,2,34,36,1987,male,never_smoker,34.5,76,283,WY,USA,married,graduate,light_blue_collar,53030.82,0.5477,accelerated_UW,141,93,237,41,5.78,95,5.3,False,103.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,12,UW-089,1.5,whole_life,1000000,quarterly,4305.93,,none,2733.01,,,True,none,independent_broker,False,False,False,0.00201,0.007836,SOA_2015_VBT,SOA_Scale_MP2023,1.576,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001005,0.02,True,0.00338,1.0,False,,,,0.04,0.0505,False,normal_rate,3.59,1.86,False,False,False,False,False,0.984,59.8,55.0,super_preferred_longevity,100.0,baseline,1.089,0.566,False,,False,,997266.99,34047.17,31438.53,34447.44,8181.27,False,0,4.09,0.34
LI-2024-INS004-000207,2022-06-15,4,40,44,1982,male,unknown,33.0,74,256,OK,USA,single,bachelors,professional,33398.57,0.503,full_paramedical,128,80,172,33,5.21,62,8.9,False,,2.97,False,False,False,False,False,none,,type_2,none,bipolar,2,False,True,False,False,True,substandard_table_5,,5.0,False,False,False,False,56,UW-236,2.25,indexed_ul,100000,monthly,776.99,,10yr_declining,582.51,,,False,none,bank,False,False,False,0.003916,0.019306,SOA_2015_VBT,SOA_Scale_MP2023,2.452,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004896,0.02,True,0.00363,1.0,False,,,,0.08,0.0467,False,normal_rate,3.37,1.78,False,False,False,False,False,0.974,52.9,48.9,super_preferred_longevity,93.4,baseline,1.123,0.603,False,,False,,99417.49,6796.83,5453.11,6215.92,1476.28,False,0,-2.28,-6.41
LI-2024-INS004-000208,2020-03-10,3,58,61,1962,female,former_smoker,18.2,70,126,VT,USA,single,high_school,white_collar,36401.75,0.8453,full_paramedical,146,95,174,37,4.7,84,,False,89.0,,False,True,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-134,1.5,indexed_ul,1000000,monthly,8475.05,,10yr_declining,5830.21,,,True,facultative,captive_agent,False,False,False,0.013213,0.028635,SOA_2015_VBT,SOA_Scale_MP2023,1.71,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006606,0.015,True,0.00246,1.0,False,,,,0.08,0.0369,False,normal_rate,1.81,1.23,False,False,False,False,False,0.777,39.9,36.9,super_preferred_longevity,90.5,baseline,0.866,0.804,False,,False,,994169.79,66324.92,67090.57,67800.4,16102.59,False,0,3.86,10.18
LI-2024-INS004-000209,2013-07-05,5,19,24,1994,male,never_smoker,28.3,60,145,AZ,USA,married,graduate,white_collar,47538.07,0.4678,full_paramedical,102,54,240,58,4.14,96,5.0,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,14,UW-336,1.0,universal_life,500000,monthly,1069.97,,15yr_declining,816.38,,,False,none,employer_group,False,False,False,0.001141,0.001398,SOA_2015_VBT,SOA_Scale_MP2023,1.066,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0573,False,normal_rate,4.81,2.15,False,False,False,False,False,0.989,70.0,55.0,super_preferred_longevity,100.0,baseline,1.149,0.478,False,,False,,499183.62,7925.35,7830.6,8559.76,2032.94,False,0,4.05,25.91
LI-2024-INS004-000210,2011-10-20,13,71,84,1940,male,never_smoker,27.4,65,164,TX,USA,single,graduate,professional,77471.53,0.5688,accelerated_UW,121,69,264,57,4.63,87,5.6,False,62.0,4.91,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,True,8,UW-165,0.66,term_life,500000,quarterly,2419.89,15.0,none,,,,False,none,bank,False,False,False,0.080046,0.047601,SOA_2015_VBT,SOA_Scale_MP2023,0.554,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0373,False,normal_rate,2.59,1.82,False,False,False,False,False,0.785,14.9,2.1,sub_standard_longevity,24.2,baseline,1.073,0.436,True,59.7,False,,500000.0,1868.55,1741.32,2032.71,8063.07,False,0,0.85,24.41
LI-2024-INS004-000211,2000-06-25,19,44,63,1956,female,never_smoker,33.1,60,169,WA,USA,married,some_college,light_blue_collar,47047.34,0.456,full_paramedical,124,70,195,41,4.76,97,5.3,False,67.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,29,UW-129,0.9,term_life,500000,semi_annual,2148.61,30.0,none,,,,False,none,independent_broker,False,False,False,0.011325,0.012184,SOA_2015_VBT,SOA_Scale_MP2023,0.929,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,3.88,1.86,False,False,False,False,False,0.855,48.2,29.2,preferred_longevity,63.1,baseline,1.158,0.474,False,,False,,500000.0,17715.66,14721.5,17188.88,4082.36,False,0,4.87,25.36
LI-2024-INS004-000212,2006-06-25,5,21,26,1985,male,former_smoker,25.2,70,175,TX,USA,divorced,high_school,heavy_blue_collar,73552.83,0.3314,accelerated_UW,116,70,199,42,4.74,80,4.6,False,77.8,,False,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,preferred,1.22,,False,False,False,True,20,UW-477,0.77,term_life,1000000,monthly,1698.11,25.0,none,,,,True,excess_of_loss,bank,False,False,False,0.001597,0.001655,SOA_2015_VBT,SOA_Scale_MP2023,0.828,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.1004,False,normal_rate,4.09,1.57,False,False,False,False,False,0.798,70.0,55.0,super_preferred_longevity,100.0,baseline,1.251,0.245,False,,False,,1000000.0,14895.91,12546.2,13584.88,3226.41,False,0,2.16,20.35
LI-2024-INS004-000213,2013-01-08,2,32,34,1981,female,never_smoker,36.0,69,243,OH,USA,married,graduate,light_blue_collar,60660.77,0.5125,full_paramedical,124,72,197,42,4.69,104,8.3,False,99.7,,False,False,False,False,False,none,,type_2,none,none,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,23,UW-481,2.25,whole_life,500000,semi_annual,3428.93,,none,2096.89,,,False,none,direct_to_consumer,False,False,False,0.001434,0.005654,SOA_2015_VBT,SOA_Scale_MP2023,2.414,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001792,0.02,False,,1.0,False,,,,0.04,0.0722,False,normal_rate,3.34,1.17,False,False,False,False,False,0.82,64.8,57.4,super_preferred_longevity,100.0,baseline,1.116,0.539,True,47.0,False,,497903.11,28558.88,26728.49,27431.44,6514.97,False,0,1.37,-13.33
LI-2024-INS004-000214,2006-03-27,17,80,97,1926,male,current_smoker,23.8,66,147,WA,USA,divorced,high_school,professional,152874.76,0.3297,full_paramedical,157,100,220,48,4.58,109,4.6,True,49.9,10.4,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,17,UW-023,1.0,term_life,500000,monthly,4111.82,20.0,none,,,,True,facultative,employer_group,False,False,False,0.354162,0.460527,SOA_2015_VBT,SOA_Scale_MP2023,1.038,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0517,False,normal_rate,2.97,1.16,False,False,False,False,False,0.946,5.0,1.2,sub_standard_longevity,19.2,baseline,1.253,0.302,True,78.6,False,,500000.0,2021.64,2019.36,1973.67,13996.64,False,0,1.94,15.29
LI-2024-INS004-000215,2023-01-26,4,24,28,1999,female,former_smoker,22.4,62,122,OH,USA,married,bachelors,heavy_blue_collar,154300.77,0.6473,full_paramedical,108,75,185,51,3.63,101,4.8,False,109.8,,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,True,True,preferred,0.89,,False,False,False,False,25,UW-292,0.82,universal_life,1000000,quarterly,2120.18,,10yr_declining,1608.54,,,True,none,bank,False,False,False,0.001387,0.001141,SOA_2015_VBT,SOA_Scale_MP2023,0.811,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0426,False,normal_rate,1.83,0.7,False,False,False,False,False,0.815,70.0,55.0,super_preferred_longevity,100.0,baseline,1.015,0.706,False,,False,,998391.46,16140.53,17086.06,16961.44,4028.34,False,0,3.47,20.78
LI-2024-INS004-000216,2015-03-08,3,58,61,1957,male,never_smoker,25.0,61,132,TN,USA,single,bachelors,professional,31841.61,0.6542,full_paramedical,133,92,214,62,3.45,71,5.3,False,66.3,1.29,False,False,False,False,True,melanoma,7.1,none,none,depression,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,32,UW-040,1.5,term_life,500000,quarterly,4197.32,20.0,none,,,,False,none,captive_agent,False,False,False,0.01207,0.025857,SOA_2015_VBT,SOA_Scale_MP2023,1.627,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006035,0.012,False,,1.0,False,,,,0.07,0.0824,False,normal_rate,4.64,1.52,False,False,False,False,False,0.983,31.1,28.1,preferred_longevity,64.5,baseline,1.009,0.679,False,,False,,500000.0,31297.32,28841.37,33578.56,7974.91,False,0,2.11,0.6
LI-2024-INS004-000217,2018-01-04,4,56,60,1962,female,never_smoker,29.7,70,206,PA,USA,married,graduate,light_blue_collar,68901.21,0.4991,limited_exam,141,90,192,29,6.62,93,,False,92.0,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-409,1.5,term_life,500000,semi_annual,3716.3,20.0,none,,,,False,none,captive_agent,False,False,False,0.009333,0.020741,SOA_2015_VBT,SOA_Scale_MP2023,1.53,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004667,0.015,False,,1.0,False,,,,0.07,0.0911,False,normal_rate,3.69,1.64,False,False,False,False,False,0.838,37.5,37.2,preferred_longevity,75.8,baseline,1.126,0.578,True,66.4,False,,500000.0,31991.26,27422.61,29730.4,7060.97,False,0,1.83,7.98
LI-2024-INS004-000218,2016-02-12,8,59,67,1957,female,never_smoker,34.0,64,198,FL,USA,divorced,high_school,professional,54201.19,0.2797,non_med_guaranteed,135,76,241,48,5.02,130,4.9,False,65.3,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-215,1.25,term_life,500000,annual,3761.57,30.0,none,,,,True,quota_share,worksite,False,False,False,0.016205,0.030271,SOA_2015_VBT,SOA_Scale_MP2023,1.254,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004051,0.012,False,,1.0,False,,,,0.05,0.0738,False,normal_rate,1.7,2.76,False,False,False,False,False,0.975,32.6,24.6,standard_longevity,53.6,baseline,1.29,0.271,False,,False,,500000.0,27799.69,30979.85,30092.56,7146.98,False,0,4.1,9.64
LI-2024-INS004-000219,2018-10-20,1,24,25,1994,male,former_smoker,32.7,74,254,SD,USA,married,bachelors,heavy_blue_collar,57094.77,0.7798,full_paramedical,118,71,232,51,4.55,82,5.3,False,,,False,False,False,False,False,none,,none,none,none,5,False,False,False,True,True,standard,0.78,,False,False,False,False,42,UW-147,1.05,term_life,500000,monthly,990.11,15.0,none,,,,False,none,captive_agent,False,False,False,0.001538,0.001559,SOA_2015_VBT,SOA_Scale_MP2023,1.053,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,7.7e-05,0.022,False,,1.0,False,,,,0.1,0.1076,False,normal_rate,5.33,0.75,False,False,False,False,False,0.979,70.0,55.0,super_preferred_longevity,100.0,baseline,0.915,0.594,False,,False,,500000.0,8531.34,7189.75,7920.88,1881.21,False,0,2.26,22.45
LI-2024-INS004-000220,2019-02-08,5,60,65,1959,male,never_smoker,28.6,76,234,AK,USA,married,less_than_hs,light_blue_collar,134108.33,0.6491,simplified_issue,105,70,206,50,4.12,94,5.1,False,81.8,1.78,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-062,2.0,whole_life,500000,monthly,5090.37,,none,3520.08,,,False,none,captive_agent,False,False,False,0.017446,0.055925,SOA_2015_VBT,SOA_Scale_MP2023,2.177,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017446,0.012,False,,1.0,False,,,,0.04,0.0472,False,normal_rate,3.2,1.77,False,False,False,False,False,0.981,29.4,24.4,standard_longevity,58.8,baseline,1.013,0.868,False,,False,,496479.92,42407.34,37178.51,40722.96,9671.7,False,0,0.34,-3.53
LI-2024-INS004-000221,2013-02-23,9,68,77,1945,male,former_smoker,24.1,61,127,SD,USA,single,high_school,heavy_blue_collar,55583.66,0.5043,full_paramedical,145,90,239,47,5.09,97,,False,75.2,1.91,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,0.71,1.0,False,False,False,False,18,UW-286,1.25,universal_life,1000000,monthly,7019.66,,10yr_declining,6063.69,,,True,quota_share,worksite,False,False,False,0.059122,0.104911,SOA_2015_VBT,SOA_Scale_MP2023,1.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01478,0.008,False,,1.0,False,,,,0.06,0.035,False,normal_rate,2.12,2.17,False,False,False,False,False,0.991,18.4,9.4,sub_standard_longevity,34.2,baseline,1.122,0.539,False,,False,,993936.31,25313.97,23590.52,26393.92,19290.03,False,0,0.01,17.62
LI-2024-INS004-000222,2024-05-14,2,80,82,1944,male,current_smoker,27.9,63,157,MA,USA,married,some_college,professional,66122.09,0.3286,full_paramedical,137,99,163,53,3.08,77,,True,,5.3,False,False,False,False,False,none,,none,moderate_gold_2,schizophrenia,0,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,38,UW-415,2.75,whole_life,500000,semi_annual,10586.87,,none,6672.07,,,False,none,bank,False,False,False,0.139223,0.753076,SOA_2015_VBT,SOA_Scale_MP2023,2.919,cardiovascular,True,2024-12-12,True,False,1235056.2,0.0007,5e-05,1.095,0.243641,0.008,False,,1.0,False,,,,0.04,0.0575,False,normal_rate,4.11,2.88,True,False,False,False,False,0.766,5.6,3.6,sub_standard_longevity,22.8,baseline,1.254,0.521,False,,False,,493327.93,14795.97,15293.91,15245.09,34005.03,False,0,-3.38,-20.0
LI-2024-INS004-000223,2001-09-07,18,41,59,1960,male,never_smoker,24.9,72,183,IA,USA,married,high_school,heavy_blue_collar,20000.0,0.7098,limited_exam,138,73,199,69,2.88,96,,False,70.1,2.83,True,False,True,False,True,lymphoma,18.0,none,none,none,2,False,True,False,False,True,substandard_table_8,1.25,8.0,False,False,False,False,45,UW-206,3.0,term_life,1000000,annual,13104.73,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.010398,0.055068,SOA_2015_VBT,SOA_Scale_MP2023,3.406,respiratory,True,2013-11-01,False,False,1296033.13,0.0007,5e-05,1.095,0.020797,0.015,False,,1.0,False,,,,0.03,0.034,False,normal_rate,1.86,2.01,False,False,False,False,False,0.816,52.0,34.9,super_preferred_longevity,85.5,baseline,0.968,0.439,False,,True,0.593,1000000.0,100100.21,93361.59,104837.84,24898.99,False,0,-1.48,-20.0
LI-2024-INS004-000224,2020-10-16,3,42,45,1978,male,never_smoker,31.0,73,234,NM,USA,married,bachelors,white_collar,60968.02,0.3465,full_paramedical,119,73,193,42,4.6,112,5.0,False,86.4,6.06,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,21,UW-128,0.76,term_life,500000,monthly,1446.01,25.0,none,,,,False,none,independent_broker,True,False,False,0.003662,0.00516,SOA_2015_VBT,SOA_Scale_MP2023,0.844,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00133,1.0,True,2026-05-14,non_payment,3.0,0.07,0.0996,False,normal_rate,2.02,1.17,False,False,False,False,False,0.871,49.5,46.5,super_preferred_longevity,87.4,baseline,1.24,0.234,False,,False,,500000.0,10956.68,10900.31,11568.08,2747.42,False,0,2.35,21.67
LI-2024-INS004-000225,2017-12-24,2,23,25,1994,male,never_smoker,28.7,64,167,HI,USA,married,high_school,light_blue_collar,46106.13,0.4845,accelerated_UW,109,80,246,48,5.12,83,,False,83.6,,False,True,True,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,standard,,,False,True,False,True,14,UW-289,1.0,universal_life,250000,annual,528.49,,15yr_declining,339.1,,,False,none,independent_broker,False,False,False,0.001183,0.001387,SOA_2015_VBT,SOA_Scale_MP2023,1.032,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0472,False,normal_rate,3.47,2.63,False,False,False,False,False,0.767,70.0,54.0,super_preferred_longevity,100.0,baseline,1.137,0.505,False,,True,-0.689,249660.9,4157.15,3720.86,4227.92,1004.13,False,0,0.27,20.94
LI-2024-INS004-000226,2000-05-23,7,30,37,1970,female,never_smoker,29.6,63,167,SC,USA,married,high_school,professional,126240.98,0.7386,non_med_guaranteed,124,76,216,41,5.27,99,,False,97.0,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-040,1.25,whole_life,250000,annual,892.56,,none,713.15,,,True,quota_share,bank,False,False,False,0.001707,0.002704,SOA_2015_VBT,SOA_Scale_MP2023,1.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000427,0.018,False,,1.0,False,,,,0.02,0.0222,False,normal_rate,3.73,2.34,False,False,False,False,False,0.982,65.9,55.0,super_preferred_longevity,100.0,baseline,0.946,0.688,True,59.4,True,-1.01,249286.85,6757.51,6378.51,7140.48,1695.86,False,0,3.66,19.37
LI-2024-INS004-000227,2019-03-05,8,28,36,1991,female,never_smoker,32.6,72,240,FL,USA,married,some_college,hazardous,73147.72,0.8601,limited_exam,118,77,242,37,6.54,90,5.1,False,111.4,,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,4.08,5.0,True,False,False,False,7,UW-431,2.25,whole_life,500000,semi_annual,3591.64,,none,3151.83,,,False,none,employer_group,False,False,False,0.001608,0.005197,SOA_2015_VBT,SOA_Scale_MP2023,2.319,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.022,False,,1.0,False,,,,0.02,0.0243,False,normal_rate,2.96,1.56,False,False,False,False,False,0.999,70.0,55.0,super_preferred_longevity,100.0,baseline,0.855,0.871,False,,False,,496848.17,28010.23,29785.86,28733.12,6824.12,False,0,-3.01,-11.82
LI-2024-INS004-000228,2006-08-12,7,51,58,1955,male,never_smoker,25.4,63,143,KY,USA,married,less_than_hs,heavy_blue_collar,46887.42,0.8071,full_paramedical,144,87,234,53,4.42,108,,False,76.4,1.43,False,True,False,False,False,none,,none,none,depression,11,False,False,False,True,True,substandard_table_1,0.67,1.0,False,False,False,False,50,UW-414,1.25,term_life,500000,monthly,3230.58,20.0,none,,,,False,none,captive_agent,False,False,False,0.009135,0.014028,SOA_2015_VBT,SOA_Scale_MP2023,1.437,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002284,0.012,False,,1.0,False,,,,0.05,0.0527,False,normal_rate,5.2,2.28,False,False,False,False,False,0.833,38.4,31.4,preferred_longevity,71.7,baseline,0.895,0.716,False,,False,,500000.0,26646.37,25779.79,25844.64,6138.1,False,0,5.04,9.33
LI-2024-INS004-000229,2021-06-23,5,28,33,1993,female,never_smoker,32.2,58,154,MT,USA,married,bachelors,heavy_blue_collar,100658.79,0.9168,non_med_guaranteed,114,77,192,57,3.37,95,7.0,False,,,False,False,False,False,False,none,,type_2,none,none,5,False,True,False,False,True,substandard_table_2,0.77,2.0,False,False,False,False,37,UW-291,1.5,indexed_ul,100000,annual,466.92,,10yr_declining,326.39,,,True,quota_share,captive_agent,False,False,False,0.001358,0.006584,SOA_2015_VBT,SOA_Scale_MP2023,1.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000679,0.022,True,0.00415,1.0,False,,,,0.08,0.1488,False,normal_rate,1.66,2.69,False,False,False,True,False,0.935,70.0,55.0,super_preferred_longevity,100.0,baseline,0.812,1.0,False,,False,,99673.61,4007.73,3733.42,3735.36,887.15,False,0,2.01,7.34
LI-2024-INS004-000230,2009-01-13,10,63,73,1946,male,never_smoker,17.1,70,119,IL,USA,married,high_school,white_collar,41612.85,0.4165,full_paramedical,120,76,171,50,3.42,111,4.9,False,93.4,4.37,False,False,False,True,False,none,,none,none,bipolar,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-178,2.5,universal_life,1000000,semi_annual,14404.46,,15yr_declining,12464.32,,,True,none,captive_agent,False,False,False,0.03233,0.14963,SOA_2015_VBT,SOA_Scale_MP2023,2.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048495,0.008,False,,1.0,False,,,,0.06,0.0369,False,normal_rate,3.5,1.79,False,False,False,False,False,0.975,23.2,13.2,standard_longevity,38.5,baseline,1.188,0.388,False,,False,,987535.68,77025.55,74660.76,76055.55,35204.5,False,0,0.81,-19.77
LI-2024-INS004-000231,2010-12-04,12,58,70,1952,female,never_smoker,27.8,64,161,MI,USA,married,high_school,white_collar,63150.37,0.4424,non_med_guaranteed,117,56,230,49,4.69,89,5.3,False,74.3,,False,False,False,False,True,lymphoma,0.4,none,none,substance_use_disorder,3,False,False,False,False,True,declined,,,False,True,True,False,36,UW-056,7.0,whole_life,1000000,quarterly,46498.83,,none,48257.2,,,True,coinsurance,worksite,False,False,False,0.019814,0.300778,SOA_2015_VBT,SOA_Scale_MP2023,7.858,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.118887,0.012,False,,1.0,False,,,,0.015,0.0202,False,normal_rate,4.85,0.82,False,False,False,False,False,0.865,33.5,21.5,standard_longevity,51.4,baseline,1.168,0.541,False,,False,,951742.8,391767.38,375821.37,371990.64,88347.78,False,0,-5.0,-20.0
LI-2024-INS004-000232,2005-08-01,5,60,65,1945,male,never_smoker,24.9,69,168,KS,USA,divorced,some_college,professional,35601.34,0.9232,simplified_issue,132,79,235,49,4.8,85,5.6,False,,1.45,False,False,False,False,True,prostate,0.9,none,none,none,1,False,False,False,False,True,standard,,,False,True,False,False,27,UW-391,1.0,annuity_deferred,500000,semi_annual,2595.15,,none,1877.2,,,False,none,independent_broker,False,False,False,0.015973,0.013028,SOA_2015_VBT,SOA_Scale_MP2023,1.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,True,2026-01-16,replacement,5.0,0.04,0.0385,False,normal_rate,3.31,1.42,False,False,False,False,False,0.797,28.1,23.1,preferred_longevity,61.0,baseline,0.808,0.906,False,,False,,498122.8,21365.67,18220.36,20761.2,4930.78,False,0,3.48,23.35
LI-2024-INS004-000233,2006-05-14,11,23,34,1983,male,never_smoker,29.2,64,170,MO,USA,married,some_college,white_collar,255435.74,0.7539,simplified_issue,133,79,213,72,2.96,85,,False,88.0,,False,True,False,False,False,none,,none,none,none,6,True,False,False,True,True,preferred,3.72,,True,False,False,False,35,UW-133,0.8,universal_life,250000,monthly,621.32,,15yr_declining,590.53,,,False,none,worksite,False,False,False,0.001792,0.001385,SOA_2015_VBT,SOA_Scale_MP2023,0.827,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0197,False,normal_rate,3.42,2.4,False,False,False,False,False,0.879,70.0,58.2,super_preferred_longevity,100.0,baseline,0.935,0.848,True,51.8,False,,249409.47,5176.9,4481.29,4970.56,1180.51,False,0,9.18,18.2
LI-2024-INS004-000234,2019-12-28,7,47,54,1972,male,never_smoker,32.4,63,182,NJ,USA,married,graduate,heavy_blue_collar,48807.92,0.4391,full_paramedical,132,85,165,42,3.93,78,5.4,False,74.9,0.92,False,False,True,False,False,none,,none,none,none,26,False,False,False,False,False,substandard_table_3,0.9,3.0,False,False,False,False,20,UW-049,1.75,term_life,250000,semi_annual,2207.17,20.0,none,,,,False,none,employer_group,False,False,False,0.007392,0.021069,SOA_2015_VBT,SOA_Scale_MP2023,1.794,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005544,0.018,False,,1.0,False,,,,0.05,0.0809,False,normal_rate,3.63,1.92,False,False,False,False,False,0.775,47.0,41.1,super_preferred_longevity,90.7,baseline,1.171,0.489,True,42.5,False,,250000.0,18447.74,17877.99,17657.36,4193.62,False,0,0.29,-12.66
LI-2024-INS004-000235,2016-12-03,11,39,50,1977,female,never_smoker,21.8,58,104,WV,USA,married,bachelors,professional,48772.77,0.5615,full_paramedical,127,79,216,73,2.96,81,5.3,False,63.4,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-383,1.25,universal_life,250000,annual,1313.09,,10yr_declining,1261.59,,,False,none,captive_agent,True,False,False,0.004288,0.007936,SOA_2015_VBT,SOA_Scale_MP2023,1.484,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001072,0.018,False,,1.0,False,,,,0.04,0.1598,True,normal_rate,2.09,2.09,False,False,False,False,False,0.902,57.2,46.2,super_preferred_longevity,90.2,baseline,1.079,0.528,False,,False,,248738.41,10738.74,10458.84,10504.72,2494.87,False,0,2.92,22.29
LI-2024-INS004-000236,2014-10-14,10,58,68,1956,male,never_smoker,28.8,60,147,MA,USA,married,some_college,white_collar,20000.0,0.3422,accelerated_UW,150,89,207,38,5.45,86,4.4,False,75.0,10.24,False,True,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,12,UW-150,1.5,universal_life,500000,annual,4244.07,,15yr_declining,3835.22,,,False,none,direct_to_consumer,False,False,False,0.021833,0.05522,SOA_2015_VBT,SOA_Scale_MP2023,1.632,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010917,0.012,False,,1.0,False,,,,0.06,0.0539,False,normal_rate,1.29,2.97,False,False,False,False,False,0.803,29.7,19.7,standard_longevity,47.2,baseline,1.243,0.431,False,,False,,496164.78,30924.95,31073.81,33443.27,8165.59,False,0,3.9,1.88
LI-2024-INS004-000237,2003-10-10,6,29,35,1974,female,unknown,28.1,64,163,MN,USA,married,some_college,white_collar,20000.0,0.4586,full_paramedical,124,83,207,66,3.14,107,4.9,False,89.6,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-148,2.0,term_life,1000000,monthly,6142.4,25.0,none,,,,True,none,independent_broker,False,False,False,0.001745,0.006218,SOA_2015_VBT,SOA_Scale_MP2023,2.218,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001745,0.018,False,,1.0,True,2025-09-01,voluntary_surrender,6.0,0.05,0.0667,False,normal_rate,4.7,3.0,False,False,False,False,False,0.773,66.4,55.0,super_preferred_longevity,100.0,baseline,1.156,0.43,False,,False,,1000000.0,49820.33,46406.21,49139.2,11670.56,False,0,0.92,-4.29
LI-2024-INS004-000238,2011-01-24,13,56,69,1955,female,former_smoker,27.7,71,198,NJ,USA,married,graduate,heavy_blue_collar,88862.74,0.9435,full_paramedical,133,79,177,39,4.54,62,,False,74.3,,False,False,False,False,False,none,,none,none,depression,0,False,False,True,True,True,substandard_table_2,0.96,2.0,False,False,False,False,67,UW-447,1.5,group_life,250000,monthly,2150.03,,none,,,,True,none,employer_group,False,False,False,0.024477,0.044434,SOA_2015_VBT,SOA_Scale_MP2023,1.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012239,0.012,False,,1.0,True,2025-08-14,non_payment,13.0,0.1,0.1134,False,normal_rate,1.91,0.8,False,False,False,False,False,0.85,38.0,23.5,preferred_longevity,61.9,baseline,0.792,0.972,True,12.5,False,,250000.0,17977.8,15628.01,17200.24,4085.06,False,0,4.06,9.23
LI-2024-INS004-000239,2023-01-12,4,43,47,1980,male,never_smoker,21.4,64,124,WI,USA,divorced,bachelors,heavy_blue_collar,109967.29,0.8405,full_paramedical,123,71,218,54,4.04,103,,False,,1.46,False,True,False,False,False,none,,none,none,substance_use_disorder,12,False,False,False,True,True,standard,0.94,,False,True,False,False,43,UW-291,1.0,term_life,100000,annual,397.26,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.004251,0.003989,SOA_2015_VBT,SOA_Scale_MP2023,1.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.1007,False,normal_rate,4.95,1.26,False,False,False,False,False,0.965,51.0,45.8,super_preferred_longevity,93.8,baseline,0.87,0.735,True,24.5,False,,100000.0,2941.98,3087.47,3178.08,754.79,False,0,1.53,21.23
LI-2024-INS004-000240,2008-11-08,7,19,26,1989,female,never_smoker,23.6,58,113,WA,USA,married,graduate,professional,42664.44,0.4953,full_paramedical,99,57,212,51,4.16,84,5.2,False,76.1,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-176,2.0,term_life,250000,monthly,1125.9,15.0,none,,,,True,none,bank,False,False,False,0.000983,0.003386,SOA_2015_VBT,SOA_Scale_MP2023,2.167,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000983,0.02,False,,1.0,False,,,,0.05,0.0652,False,normal_rate,3.62,2.55,False,False,False,True,False,0.988,70.0,55.0,super_preferred_longevity,100.0,baseline,1.129,0.506,False,,False,,250000.0,8165.64,8784.55,9007.2,2139.21,False,0,-0.59,-1.46
LI-2024-INS004-000241,2016-02-09,9,53,62,1963,female,never_smoker,25.8,59,127,AR,USA,married,some_college,hazardous,52303.98,0.4953,full_paramedical,141,83,197,34,5.79,108,,False,92.2,,True,False,False,False,False,none,,none,none,anxiety,17,False,False,False,False,False,substandard_table_1,2.66,1.0,True,False,False,False,19,UW-156,1.25,term_life,250000,quarterly,1665.29,20.0,none,,,,False,none,independent_broker,False,False,False,0.011241,0.021534,SOA_2015_VBT,SOA_Scale_MP2023,1.476,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00281,0.015,False,,1.0,False,,,,0.05,0.0652,False,normal_rate,4.32,0.71,False,False,False,False,False,0.965,40.6,31.5,preferred_longevity,67.2,baseline,1.129,0.571,True,31.9,False,,250000.0,13507.05,12873.93,13322.32,3164.05,False,0,3.95,12.51
LI-2024-INS004-000242,2003-12-15,21,67,88,1936,male,former_smoker,23.9,74,186,KY,USA,married,bachelors,hazardous,20000.0,0.5402,limited_exam,117,84,252,46,5.48,92,5.2,False,,5.24,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,2.96,1.0,True,False,False,False,19,UW-241,1.25,whole_life,250000,monthly,2481.89,,none,3652.7,,,False,none,employer_group,False,False,False,0.154384,0.250219,SOA_2015_VBT,SOA_Scale_MP2023,1.252,neurological,True,2006-05-24,False,False,907092.82,0.0007,5e-05,1.095,0.038596,0.005,False,,1.0,False,,,,0.015,0.0228,False,normal_rate,2.83,0.76,False,False,False,False,False,0.946,18.0,1.0,sub_standard_longevity,22.1,baseline,1.095,0.425,False,,False,,246347.3,924.54,996.02,992.76,8488.06,False,0,0.8,8.69
LI-2024-INS004-000243,2005-10-22,11,28,39,1977,female,unknown,27.4,68,180,NE,USA,married,high_school,white_collar,36961.35,0.5578,limited_exam,130,86,215,69,3.12,110,5.9,False,60.6,,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,standard,,,False,False,False,False,11,UW-010,1.01,indexed_ul,250000,semi_annual,865.49,,10yr_declining,793.99,,,False,none,bank,False,False,False,0.002226,0.002541,SOA_2015_VBT,SOA_Scale_MP2023,1.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,2.2e-05,0.018,False,,1.0,False,,,,0.04,0.1718,True,normal_rate,2.69,1.18,False,False,False,False,False,0.987,68.2,55.0,super_preferred_longevity,100.0,baseline,1.082,0.58,False,,False,,249206.01,7052.62,7203.71,6923.92,1644.43,False,0,2.39,11.24
LI-2024-INS004-000244,2024-11-13,3,62,65,1962,male,never_smoker,21.5,72,158,AR,USA,married,high_school,professional,66720.71,0.6368,limited_exam,99,73,215,47,4.57,90,,False,79.6,2.46,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-391,2.0,universal_life,500000,monthly,5955.0,,15yr_declining,4270.42,,,False,none,direct_to_consumer,False,False,False,0.017925,0.05608,SOA_2015_VBT,SOA_Scale_MP2023,2.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017925,0.015,False,,1.0,False,,,,0.08,0.06,False,normal_rate,3.74,2.37,False,False,False,False,False,0.815,28.0,26.1,preferred_longevity,61.2,baseline,1.022,0.575,True,46.9,False,,495729.58,44771.93,49749.87,47640.0,11314.5,False,0,1.2,-3.6
LI-2024-INS004-000245,2019-12-01,2,26,28,1993,female,never_smoker,34.2,70,238,AR,USA,divorced,high_school,white_collar,80484.41,0.4527,limited_exam,106,73,216,43,5.02,116,5.4,False,112.0,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-263,2.0,indexed_ul,100000,monthly,527.18,,15yr_declining,318.28,,,False,none,captive_agent,False,False,False,0.001067,0.003708,SOA_2015_VBT,SOA_Scale_MP2023,2.133,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001067,0.022,False,,1.0,False,,,,0.08,0.0482,False,normal_rate,5.09,2.13,False,False,False,False,False,0.858,70.0,55.0,super_preferred_longevity,100.0,baseline,1.16,0.44,False,,False,,99681.72,4379.88,4276.66,4217.44,1001.64,False,0,1.27,-3.99
LI-2024-INS004-000246,2000-07-19,1,36,37,1964,female,never_smoker,25.9,58,123,NV,USA,single,graduate,professional,92293.3,0.7399,full_paramedical,113,71,217,54,4.02,63,5.1,False,64.9,,False,False,True,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-400,2.0,term_life,500000,monthly,3437.05,10.0,none,,,,False,none,captive_agent,False,False,False,0.001682,0.005236,SOA_2015_VBT,SOA_Scale_MP2023,2.236,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001682,0.015,False,,1.0,False,,,,0.1,0.1108,False,normal_rate,4.85,2.43,True,False,False,False,False,0.967,61.8,55.0,super_preferred_longevity,100.0,baseline,0.945,0.866,False,,False,,500000.0,29960.15,23511.75,27496.4,6530.4,False,0,3.34,-9.05
LI-2024-INS004-000247,2023-04-13,4,21,25,2002,male,never_smoker,23.3,72,171,DE,USA,single,high_school,white_collar,44372.46,0.5456,full_paramedical,112,75,165,53,3.11,106,5.4,False,91.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-004,2.25,term_life,500000,semi_annual,2092.54,30.0,none,,,,False,none,worksite,True,False,False,0.001183,0.004686,SOA_2015_VBT,SOA_Scale_MP2023,2.486,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.012,False,,1.0,False,,,,0.07,0.0884,False,normal_rate,1.68,2.53,False,True,False,False,False,0.962,70.0,55.0,super_preferred_longevity,100.0,baseline,1.091,0.512,False,,False,,500000.0,18070.61,14381.17,16740.32,3975.83,False,0,-1.71,-10.88
LI-2024-INS004-000248,2005-10-01,17,26,43,1979,male,current_smoker,28.7,61,152,IN,USA,divorced,bachelors,professional,93107.38,0.7368,full_paramedical,139,80,209,54,3.87,118,,True,82.6,1.13,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,29,UW-136,1.75,universal_life,100000,annual,546.46,,15yr_declining,666.18,,,True,quota_share,direct_to_consumer,False,False,False,0.006342,0.016209,SOA_2015_VBT,SOA_Scale_MP2023,1.906,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004757,0.018,False,,1.0,False,,,,0.04,0.0622,False,normal_rate,3.65,1.37,False,False,False,False,False,0.975,70.0,54.5,super_preferred_longevity,100.0,baseline,0.947,0.746,True,42.5,False,,99333.82,4340.58,4078.84,4371.68,1038.27,False,0,0.92,-1.23
LI-2024-INS004-000249,2014-03-28,13,56,69,1958,female,never_smoker,33.5,65,201,KY,USA,single,bachelors,heavy_blue_collar,143736.54,0.1653,non_med_guaranteed,161,93,245,37,6.62,102,5.4,False,65.8,,False,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,substandard_table_4,1.12,4.0,False,False,False,False,11,UW-095,2.0,universal_life,500000,quarterly,6144.52,,15yr_declining,6287.19,,,False,none,independent_broker,False,False,False,0.019523,0.074917,SOA_2015_VBT,SOA_Scale_MP2023,2.062,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019523,0.012,False,,1.0,False,,,,0.04,0.0282,False,normal_rate,3.63,2.63,False,False,False,False,False,0.909,35.3,22.3,standard_longevity,48.4,baseline,1.376,0.204,False,,False,,493712.81,53870.54,41923.54,49156.16,11674.59,False,0,4.07,-8.38
LI-2024-INS004-000250,2007-03-13,1,38,39,1969,female,never_smoker,35.1,63,198,OR,USA,married,graduate,professional,92538.15,0.6397,full_paramedical,123,80,172,55,3.13,86,5.3,False,80.4,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-135,2.0,term_life,500000,annual,3711.01,20.0,none,,,,False,none,captive_agent,False,False,False,0.001936,0.006055,SOA_2015_VBT,SOA_Scale_MP2023,2.086,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001936,0.015,False,,1.0,False,,,,0.1,0.1188,False,normal_rate,4.16,1.27,False,False,False,False,False,0.985,57.1,62.3,super_preferred_longevity,100.0,baseline,1.02,0.639,True,72.3,False,,500000.0,29716.13,27595.42,29688.08,7050.92,False,0,0.75,-7.73
LI-2024-INS004-000251,2016-04-05,11,71,82,1945,male,never_smoker,27.5,71,197,WY,USA,single,graduate,white_collar,219200.02,0.2921,simplified_issue,157,100,209,32,6.53,102,5.2,False,56.6,3.87,True,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,45,UW-440,1.5,term_life,100000,semi_annual,1003.94,30.0,none,,,,False,none,independent_broker,False,False,False,0.070173,0.19113,SOA_2015_VBT,SOA_Scale_MP2023,1.736,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035087,0.008,False,,1.0,False,,,,0.03,0.044,False,normal_rate,1.6,0.69,False,False,False,False,False,0.939,14.6,4.0,sub_standard_longevity,22.9,baseline,1.281,0.271,True,63.3,False,,100000.0,1636.49,1386.82,1606.3,3192.53,False,0,3.88,5.35
LI-2024-INS004-000252,2004-03-16,6,70,76,1934,female,former_smoker,29.5,61,155,HI,USA,married,some_college,white_collar,101337.37,0.7771,full_paramedical,132,80,196,44,4.45,101,,False,76.2,,False,False,False,True,False,none,,none,none,depression,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,36,UW-267,2.5,term_life,250000,monthly,3957.06,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.043575,0.168556,SOA_2015_VBT,SOA_Scale_MP2023,2.582,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065363,0.005,False,,1.0,False,,,,0.05,0.0755,False,normal_rate,2.42,2.78,False,False,False,False,False,0.867,19.6,13.6,standard_longevity,44.6,baseline,0.917,0.912,False,,False,,250000.0,23210.28,18783.25,21526.41,9544.43,False,0,4.45,-20.0
LI-2024-INS004-000253,2018-03-23,8,62,70,1956,female,never_smoker,30.3,59,149,WA,USA,married,bachelors,professional,136914.6,0.7854,accelerated_UW,130,87,230,59,3.9,115,,False,61.9,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,True,38,UW-007,2.25,term_life,1000000,quarterly,13211.01,15.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.020795,0.071779,SOA_2015_VBT,SOA_Scale_MP2023,2.417,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025994,0.012,False,,1.0,False,,,,0.05,0.075,False,normal_rate,4.45,1.44,False,False,False,False,False,0.989,31.5,23.5,standard_longevity,59.5,baseline,0.911,0.807,False,,False,,1000000.0,107597.72,106609.68,105688.08,25100.92,False,0,0.56,-12.18
LI-2024-INS004-000254,2018-02-04,4,79,83,1939,male,current_smoker,31.7,73,240,VA,USA,married,some_college,light_blue_collar,26051.88,0.6774,full_paramedical,134,85,248,46,5.39,99,5.4,True,65.7,17.39,False,True,False,False,False,none,,none,severe_gold_3,schizophrenia,1,False,False,False,True,True,substandard_table_9,,9.0,False,False,False,False,48,UW-184,3.25,indexed_ul,500000,annual,12862.48,,15yr_declining,9207.06,4299.7,0.467,False,none,captive_agent,False,False,False,0.157667,0.95923,SOA_2015_VBT,SOA_Scale_MP2023,3.865,respiratory,True,2021-03-01,False,False,1459893.01,0.0007,5e-05,1.095,0.354751,0.005,False,,1.0,False,,,,0.08,0.025,False,normal_rate,4.51,1.75,False,False,False,False,False,0.826,7.0,3.0,sub_standard_longevity,27.2,baseline,0.992,0.822,False,,False,,490792.94,16873.22,14096.87,15434.98,41931.68,False,0,-0.44,-20.0
LI-2024-INS004-000255,2023-02-21,3,43,46,1980,female,never_smoker,26.3,70,183,KY,USA,divorced,some_college,white_collar,104755.51,0.5995,non_med_guaranteed,127,77,217,44,4.93,81,,False,89.7,,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,preferred_plus,,,False,False,False,False,11,UW-075,0.58,universal_life,500000,monthly,1087.51,,15yr_declining,783.88,,,False,none,captive_agent,False,False,False,0.003155,0.002025,SOA_2015_VBT,SOA_Scale_MP2023,0.611,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0439,False,normal_rate,3.59,1.61,False,False,False,False,False,0.996,54.0,51.0,super_preferred_longevity,98.0,baseline,1.05,0.745,False,,False,,499216.12,8690.5,8844.93,8700.08,2066.27,False,0,3.15,29.35
LI-2024-INS004-000256,2007-04-15,7,59,66,1948,male,never_smoker,25.9,60,132,NM,USA,divorced,some_college,heavy_blue_collar,114363.29,0.5726,full_paramedical,124,69,268,46,5.83,106,5.3,False,65.2,3.81,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,0.82,5.0,False,False,False,False,25,UW-069,2.25,term_life,1000000,quarterly,13527.37,25.0,none,,,,True,none,worksite,False,False,False,0.017844,0.066986,SOA_2015_VBT,SOA_Scale_MP2023,2.339,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022305,0.008,False,,1.0,False,,,,0.05,0.0621,False,normal_rate,4.44,2.57,False,False,False,False,False,0.817,28.1,21.1,standard_longevity,52.7,baseline,1.071,0.75,False,,False,,1000000.0,115168.3,96833.54,108218.96,25702.0,False,0,-0.54,-14.51
LI-2024-INS004-000257,2001-08-20,16,46,62,1955,female,never_smoker,31.0,60,158,NH,USA,married,high_school,professional,178307.62,0.2856,accelerated_UW,108,75,216,61,3.54,98,,False,90.1,,False,False,False,False,True,melanoma,2.6,none,none,depression,3,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,39,UW-170,2.25,term_life,1000000,monthly,11407.11,20.0,none,,,,True,coinsurance,employer_group,False,False,False,0.010268,0.044034,SOA_2015_VBT,SOA_Scale_MP2023,2.363,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012835,0.012,False,,1.0,False,,,,0.03,0.053,False,normal_rate,3.77,1.97,False,False,False,False,False,0.995,45.4,29.3,preferred_longevity,60.7,baseline,1.286,0.469,True,31.7,False,,1000000.0,85073.45,81120.41,91256.88,21673.51,False,0,-0.34,-17.9
LI-2024-INS004-000258,2024-03-27,1,29,30,1995,female,never_smoker,23.2,59,114,CT,USA,divorced,bachelors,white_collar,150054.94,0.3932,full_paramedical,112,75,174,58,3.0,74,6.1,False,92.1,,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-325,2.0,term_life,500000,monthly,2345.59,10.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001168,0.004107,SOA_2015_VBT,SOA_Scale_MP2023,2.088,respiratory,True,2024-12-23,True,True,1442529.42,0.0007,5e-05,1.095,0.001168,0.022,False,,1.0,False,,,,0.1,0.1385,False,normal_rate,3.51,0.67,False,False,False,False,False,0.921,69.6,55.0,super_preferred_longevity,100.0,baseline,1.205,0.348,False,,False,,500000.0,20550.27,16313.92,18764.72,4456.62,False,0,-0.27,-0.95
LI-2024-INS004-000259,2004-10-12,6,54,60,1950,female,current_smoker,32.2,72,237,NC,USA,single,bachelors,light_blue_collar,79618.54,0.6679,full_paramedical,119,64,204,50,4.08,113,7.0,True,,,False,False,False,False,False,none,,type_2,severe_gold_3,depression,0,False,False,False,True,True,substandard_table_9,,9.0,False,False,False,False,37,UW-476,3.25,universal_life,1000000,monthly,17709.41,,10yr_declining,13381.0,3974.16,0.297,True,coinsurance,direct_to_consumer,False,False,False,0.016297,0.098654,SOA_2015_VBT,SOA_Scale_MP2023,3.807,other,True,2005-06-10,True,False,1772121.15,0.0007,5e-05,1.095,0.036668,0.012,False,,1.0,False,,,,0.06,0.0264,False,normal_rate,1.74,0.75,False,False,False,False,False,0.849,38.1,32.1,preferred_longevity,70.7,baseline,0.999,0.799,False,,False,,986619.0,143802.87,135496.13,141675.28,33647.88,False,0,-0.64,-20.0
LI-2024-INS004-000260,2017-11-07,6,36,42,1981,male,former_smoker,42.7,69,289,NV,USA,married,some_college,heavy_blue_collar,37243.1,0.8461,full_paramedical,134,74,235,36,6.53,116,5.1,False,115.6,2.04,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,1.4,5.0,False,False,False,False,23,UW-161,2.25,universal_life,500000,semi_annual,3455.53,,15yr_declining,2776.98,,,True,facultative,direct_to_consumer,False,False,False,0.003844,0.012743,SOA_2015_VBT,SOA_Scale_MP2023,2.386,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004805,0.02,False,,1.0,False,,,,0.06,0.0387,False,normal_rate,3.12,2.25,False,False,False,False,False,0.801,58.1,52.1,super_preferred_longevity,100.0,baseline,0.865,0.752,False,,False,,497223.02,28818.63,23901.01,27644.24,6565.51,False,0,-0.6,-9.5
LI-2024-INS004-000261,2006-10-21,1,57,58,1949,male,never_smoker,35.7,63,201,AL,USA,divorced,bachelors,heavy_blue_collar,47735.26,0.6204,full_paramedical,129,89,198,44,4.5,115,4.5,False,,1.47,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,True,False,True,substandard_table_5,1.13,5.0,False,False,False,False,52,UW-354,2.25,term_life,1000000,annual,12035.13,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.009064,0.032909,SOA_2015_VBT,SOA_Scale_MP2023,2.301,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01133,0.008,False,,1.0,False,,,,0.1,0.1204,False,normal_rate,4.62,0.82,False,False,False,False,False,0.884,30.5,33.1,preferred_longevity,71.5,baseline,1.035,0.724,True,69.6,False,,1000000.0,101888.26,83119.43,96281.04,22866.75,False,0,-1.35,-6.03
LI-2024-INS004-000262,2005-12-09,22,79,101,1926,female,current_smoker,23.7,62,129,ME,USA,divorced,high_school,white_collar,122765.94,0.8561,full_paramedical,133,74,190,50,3.8,92,5.4,True,53.4,,True,False,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,16,UW-316,2.75,term_life,1000000,monthly,25125.0,20.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.380348,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.767,other,True,2006-12-03,True,False,1715265.28,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.03,0.0426,False,normal_rate,3.65,1.0,False,False,False,False,False,0.799,13.3,1.0,standard_longevity,36.8,baseline,0.858,0.757,True,45.6,False,,1000000.0,9172.94,8912.27,10050.0,85927.5,False,0,1.33,-20.0
LI-2024-INS004-000263,2021-12-15,4,19,23,2002,male,never_smoker,30.7,76,252,HI,USA,single,graduate,white_collar,95024.57,0.6136,full_paramedical,137,81,217,52,4.17,104,,False,99.5,,True,False,False,False,False,none,,none,none,none,0,True,True,False,False,False,substandard_table_1,3.16,1.0,True,False,False,False,30,UW-115,1.25,universal_life,100000,annual,244.65,,10yr_declining,165.87,,,False,none,bank,False,False,False,0.001103,0.005346,SOA_2015_VBT,SOA_Scale_MP2023,1.392,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000276,0.012,True,0.00347,1.0,False,,,,0.08,0.0435,False,normal_rate,3.65,1.73,False,False,False,False,False,0.97,70.0,55.0,super_preferred_longevity,100.0,baseline,1.04,0.496,False,,False,,99834.13,2113.22,1841.42,1957.2,464.83,False,0,4.96,20.15
LI-2024-INS004-000264,2007-03-10,6,58,64,1949,female,never_smoker,28.2,62,154,MS,USA,married,some_college,heavy_blue_collar,48107.78,0.5531,full_paramedical,108,79,192,50,3.84,97,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,0.96,5.0,False,False,False,False,24,UW-205,2.25,term_life,500000,quarterly,6415.36,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.012102,0.045781,SOA_2015_VBT,SOA_Scale_MP2023,2.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015128,0.008,False,,1.0,False,,,,0.05,0.088,False,normal_rate,2.07,2.48,False,False,False,False,False,0.976,33.2,27.2,preferred_longevity,61.6,baseline,1.085,0.548,False,,False,,500000.0,51762.5,48267.32,51322.88,12189.18,False,0,1.95,-17.01
LI-2024-INS004-000265,2024-10-14,1,21,22,2003,male,never_smoker,29.1,65,174,ND,USA,married,graduate,light_blue_collar,128832.93,0.4789,full_paramedical,123,79,196,53,3.7,122,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,6,UW-403,0.83,term_life,100000,semi_annual,169.58,30.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.001068,0.000918,SOA_2015_VBT,SOA_Scale_MP2023,0.754,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2025-09-30,non_payment,1.0,0.1,0.1844,False,normal_rate,5.9,1.69,False,False,True,False,False,0.883,70.0,55.0,super_preferred_longevity,100.0,baseline,1.141,0.682,False,,False,,100000.0,1262.22,1265.8,1356.64,322.2,False,0,2.19,21.42
LI-2024-INS004-000266,2019-07-06,8,53,61,1966,female,never_smoker,31.2,71,223,DE,USA,married,high_school,heavy_blue_collar,44525.6,0.7794,limited_exam,148,88,239,34,7.03,109,4.8,False,82.6,,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_2,0.99,2.0,False,False,False,False,14,UW-454,1.5,term_life,100000,monthly,697.72,20.0,none,,,,False,none,captive_agent,False,False,False,0.010635,0.021557,SOA_2015_VBT,SOA_Scale_MP2023,1.668,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005318,0.015,False,,1.0,False,,,,0.05,0.0538,False,normal_rate,4.73,2.09,False,False,False,False,False,0.905,42.2,34.2,preferred_longevity,75.5,baseline,0.915,0.661,False,,False,,100000.0,6121.6,5296.81,5581.76,1325.67,False,0,4.56,6.72
LI-2024-INS004-000267,2018-07-06,5,41,46,1977,male,never_smoker,31.9,76,261,AK,USA,married,graduate,heavy_blue_collar,60605.83,0.4469,full_paramedical,137,71,236,46,5.13,120,,False,,0.26,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,0.51,1.0,False,False,False,False,12,UW-195,1.25,term_life,500000,semi_annual,2549.75,20.0,none,,,,False,none,independent_broker,False,False,False,0.003943,0.007384,SOA_2015_VBT,SOA_Scale_MP2023,1.393,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000986,0.018,False,,1.0,False,,,,0.07,0.094,False,normal_rate,3.09,0.83,False,False,False,False,False,0.918,50.8,52.9,super_preferred_longevity,98.6,baseline,1.165,0.437,True,78.3,False,,500000.0,18698.06,19173.61,20398.0,4844.52,False,0,-0.01,2.96
LI-2024-INS004-000268,2021-06-28,1,50,51,1971,male,never_smoker,29.8,63,168,ID,USA,married,high_school,professional,56754.33,0.812,simplified_issue,124,71,196,29,6.76,90,5.2,False,82.9,7.61,False,False,False,True,True,lymphoma,2.2,none,none,none,2,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,38,UW-096,4.0,term_life,2000000,annual,37127.28,10.0,none,,,,True,none,independent_broker,True,False,False,0.005801,0.049557,SOA_2015_VBT,SOA_Scale_MP2023,5.2,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017403,0.018,True,0.00528,1.0,False,,,,0.1,0.105,False,normal_rate,3.38,2.01,False,False,False,False,True,0.752,42.3,41.3,super_preferred_longevity,86.6,baseline,0.891,0.85,False,,False,,2000000.0,270955.86,263450.89,297018.24,70541.83,False,0,-4.12,-20.0
LI-2024-INS004-000269,2005-04-09,18,27,45,1978,female,never_smoker,36.7,59,181,CA,USA,single,bachelors,light_blue_collar,48725.55,0.8422,accelerated_UW,124,83,177,46,3.85,98,5.4,False,83.4,,False,False,True,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,4,UW-033,1.25,whole_life,2000000,monthly,8263.09,,none,10525.29,,,True,facultative,bank,False,False,False,0.00293,0.004014,SOA_2015_VBT,SOA_Scale_MP2023,1.29,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000732,0.018,False,,1.0,False,,,,0.015,0.0154,False,normal_rate,4.54,2.25,False,False,False,False,False,0.953,70.0,52.0,super_preferred_longevity,100.0,baseline,0.868,0.905,False,,False,,1989474.71,63712.58,60923.6,66104.72,15699.87,False,0,2.68,13.37
LI-2024-INS004-000270,2011-08-10,16,66,82,1945,male,unknown,26.5,66,164,HI,USA,single,some_college,professional,30438.44,0.494,full_paramedical,136,89,191,60,3.18,77,5.4,False,76.4,2.3,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-324,2.25,term_life,500000,monthly,8451.73,20.0,none,,,,False,none,captive_agent,False,False,False,0.080699,0.313161,SOA_2015_VBT,SOA_Scale_MP2023,2.329,cardiovascular,True,2022-03-14,False,False,83104.69,0.0007,5e-05,1.095,0.100874,0.008,False,,1.0,False,,,,0.03,0.0391,False,normal_rate,3.61,2.89,False,False,False,False,False,0.79,20.4,4.4,sub_standard_longevity,26.5,baseline,1.129,0.411,False,,False,,500000.0,14675.29,15462.1,14875.04,26606.05,False,0,1.5,-19.09
LI-2024-INS004-000271,2021-01-12,1,79,80,1942,male,never_smoker,36.3,75,290,GA,USA,single,graduate,light_blue_collar,51083.28,0.2859,limited_exam,152,89,227,46,4.93,115,5.2,False,,20.0,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-229,2.25,term_life,250000,monthly,3983.34,30.0,none,,,,False,none,employer_group,False,False,False,0.057625,0.251744,SOA_2015_VBT,SOA_Scale_MP2023,2.368,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.072032,0.008,True,0.00429,1.0,False,,,,0.1,0.2472,False,normal_rate,4.92,2.48,False,False,False,False,False,0.927,6.1,5.1,sub_standard_longevity,24.4,baseline,1.286,0.52,False,,False,,250000.0,8243.47,8388.29,8126.01,12316.49,False,0,2.9,-11.48
LI-2024-INS004-000272,2019-04-27,4,70,74,1949,male,never_smoker,28.2,60,144,CT,USA,married,high_school,white_collar,53464.83,0.7075,full_paramedical,136,74,227,49,4.63,97,,False,66.7,20.0,False,False,False,False,False,none,,none,none,depression,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,33,UW-423,1.25,universal_life,500000,monthly,4199.89,,10yr_declining,2990.06,,,False,none,direct_to_consumer,False,False,False,0.036143,0.054793,SOA_2015_VBT,SOA_Scale_MP2023,1.306,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009036,0.008,False,,1.0,False,,,,0.08,0.0572,False,normal_rate,5.13,1.24,False,False,False,False,False,0.925,17.8,13.8,standard_longevity,43.8,baseline,0.969,0.662,False,,False,,497009.94,22016.0,21449.31,23183.39,10062.94,False,0,4.74,11.44
LI-2024-INS004-000273,2000-05-09,5,31,36,1969,male,never_smoker,18.2,73,138,NJ,USA,married,graduate,professional,46529.31,0.7112,full_paramedical,125,80,163,70,2.33,92,5.3,False,96.7,,False,False,False,False,False,none,,none,none,depression,0,True,True,False,False,False,substandard_table_1,2.98,1.0,True,False,False,False,7,UW-162,1.25,indexed_ul,500000,quarterly,1633.75,,10yr_declining,1239.09,,,False,none,bank,False,False,False,0.00201,0.003162,SOA_2015_VBT,SOA_Scale_MP2023,1.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000502,0.015,False,,1.0,True,2025-05-16,non_payment,5.0,0.08,0.0407,False,normal_rate,4.26,0.83,False,False,True,False,False,0.993,60.4,55.0,super_preferred_longevity,100.0,baseline,0.967,0.664,False,,False,,498760.91,12377.33,13082.18,13070.0,3104.12,False,0,6.22,10.35
LI-2024-INS004-000274,2010-02-14,3,39,42,1971,female,never_smoker,29.3,66,181,MT,USA,married,some_college,white_collar,99585.73,0.7414,full_paramedical,112,69,156,37,4.22,106,,False,,,False,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,24,UW-203,0.84,term_life,1000000,monthly,3107.16,20.0,none,,,,True,excess_of_loss,bank,True,False,False,0.002366,0.001844,SOA_2015_VBT,SOA_Scale_MP2023,0.826,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0775,False,normal_rate,1.85,1.95,False,False,False,False,True,0.936,57.1,52.9,super_preferred_longevity,100.0,baseline,0.944,0.779,True,26.0,False,,1000000.0,25037.4,25678.57,24857.28,5903.6,False,0,2.02,22.15
LI-2024-INS004-000275,2009-05-18,17,41,58,1968,male,former_smoker,30.8,68,202,MA,USA,divorced,some_college,white_collar,31271.51,0.6744,full_paramedical,148,92,242,43,5.63,81,5.4,False,93.0,4.73,False,True,False,False,False,none,,none,none,schizophrenia,8,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,41,UW-454,2.25,whole_life,500000,monthly,5424.28,,none,6743.22,,,False,none,captive_agent,False,True,False,0.013399,0.04772,SOA_2015_VBT,SOA_Scale_MP2023,2.325,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016749,0.015,False,,1.0,False,,,,0.015,0.0174,False,normal_rate,3.94,2.87,False,False,False,False,False,0.89,50.1,33.1,preferred_longevity,72.3,baseline,0.994,0.841,False,,False,,493256.78,40489.06,41152.34,43394.24,10306.13,False,0,2.17,-10.63
LI-2024-INS004-000276,2009-11-28,8,78,86,1931,male,never_smoker,35.3,60,180,SC,USA,single,less_than_hs,heavy_blue_collar,85640.63,0.551,full_paramedical,137,91,172,59,2.92,122,5.8,False,73.5,8.52,False,False,False,False,True,prostate,19.9,pre_diabetes,none,anxiety,0,False,False,False,False,True,substandard_table_1,0.64,1.0,False,False,False,False,44,UW-062,1.25,group_life,1000000,annual,9499.12,,none,,,,True,coinsurance,captive_agent,False,False,False,0.097844,0.169499,SOA_2015_VBT,SOA_Scale_MP2023,1.364,cancer,True,2012-07-17,False,False,1381156.9,0.0007,5e-05,1.095,0.024461,0.005,False,,1.0,True,2025-05-27,non_payment,8.0,0.12,0.1511,False,normal_rate,4.98,0.88,False,False,True,False,False,0.894,6.3,1.0,sub_standard_longevity,22.3,baseline,1.087,0.649,False,,False,,1000000.0,3733.1,3969.04,3799.65,32486.99,False,0,4.17,6.56
LI-2024-INS004-000277,2001-11-03,25,79,104,1922,female,current_smoker,26.9,69,181,LA,USA,single,high_school,white_collar,63976.18,0.7626,full_paramedical,157,95,247,53,4.66,112,5.5,True,,,False,False,False,False,True,melanoma,1.2,none,moderate_gold_2,schizophrenia,3,False,False,False,False,True,substandard_table_7,,7.0,False,False,False,False,35,UW-192,2.75,universal_life,500000,annual,12187.11,,10yr_declining,20221.76,,,False,none,independent_broker,False,False,False,0.444403,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.955,respiratory,True,2024-01-10,False,False,1753739.54,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.04,0.0436,False,normal_rate,3.27,0.84,False,False,False,False,False,0.836,9.3,1.0,sub_standard_longevity,25.4,baseline,0.928,0.869,False,,False,,479778.24,5050.66,5011.08,4874.84,41679.92,False,0,1.01,-20.0
LI-2024-INS004-000278,2020-03-20,5,39,44,1981,female,current_smoker,26.2,71,188,FL,USA,widowed,bachelors,light_blue_collar,26269.15,0.5407,non_med_guaranteed,115,69,175,62,2.82,90,5.8,True,106.3,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-375,1.5,indexed_ul,500000,quarterly,3118.05,,10yr_declining,2210.35,,,False,none,direct_to_consumer,False,False,False,0.005449,0.016081,SOA_2015_VBT,SOA_Scale_MP2023,1.622,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002724,0.02,True,0.00368,1.0,False,,,,0.08,0.0639,False,normal_rate,1.01,2.59,False,False,False,False,False,0.786,57.9,53.3,super_preferred_longevity,100.0,baseline,1.094,0.585,True,36.0,False,,497789.65,24966.91,21740.55,24944.4,5924.3,False,0,1.48,-3.15
LI-2024-INS004-000279,2002-12-10,25,33,58,1969,male,former_smoker,33.8,63,190,IL,USA,single,less_than_hs,hazardous,306944.01,0.6055,full_paramedical,133,93,250,46,5.43,98,6.4,False,88.5,1.86,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,3.97,2.0,True,False,False,False,22,UW-304,1.5,term_life,500000,annual,3465.7,10.0,none,,,,False,none,independent_broker,False,False,False,0.013399,0.029401,SOA_2015_VBT,SOA_Scale_MP2023,1.62,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.015,False,,1.0,False,,,,0.03,0.0365,False,normal_rate,3.23,2.05,False,False,False,False,False,0.976,58.0,32.8,preferred_longevity,70.8,baseline,1.046,0.662,False,,True,-0.115,500000.0,25167.48,26269.72,27725.6,6584.83,False,0,2.4,3.71
LI-2024-INS004-000280,2015-05-18,2,23,25,1992,male,former_smoker,31.4,63,177,WV,USA,married,bachelors,white_collar,722395.58,0.8415,simplified_issue,98,58,223,34,6.56,113,5.4,False,88.7,,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-290,2.25,term_life,2000000,quarterly,8231.53,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.001538,0.005083,SOA_2015_VBT,SOA_Scale_MP2023,2.366,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001922,0.022,False,,1.0,False,,,,0.07,0.0863,False,normal_rate,3.33,1.33,False,False,False,False,False,0.944,70.0,55.0,super_preferred_longevity,100.0,baseline,0.869,0.847,False,,False,,2000000.0,65671.11,56049.38,65852.24,15639.91,False,0,-0.11,-9.38
LI-2024-INS004-000281,2020-03-25,1,42,43,1978,male,never_smoker,27.6,75,220,NH,USA,divorced,graduate,professional,112404.36,0.3269,limited_exam,123,71,199,34,5.85,132,6.5,False,,1.17,False,True,False,False,False,none,,type_2,none,none,2,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,34,UW-286,1.5,universal_life,100000,monthly,477.91,,10yr_declining,291.3,,,False,none,employer_group,False,False,False,0.003171,0.013866,SOA_2015_VBT,SOA_Scale_MP2023,1.618,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001586,0.018,True,0.00584,1.0,True,2025-06-13,voluntary_surrender,1.0,0.12,0.0932,False,normal_rate,4.69,2.99,False,False,True,True,False,0.808,49.4,48.4,super_preferred_longevity,90.0,baseline,1.255,0.378,False,,False,,99708.7,3756.95,3677.74,3823.28,908.03,False,0,2.96,3.36
LI-2024-INS004-000282,2004-05-05,23,65,88,1939,male,never_smoker,32.5,76,266,DE,USA,married,high_school,light_blue_collar,41134.54,0.2986,limited_exam,138,80,263,38,6.92,106,5.8,False,59.8,9.13,False,True,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-440,1.5,whole_life,2000000,quarterly,19438.81,,none,29222.93,,,True,none,independent_broker,False,False,False,0.120556,0.296724,SOA_2015_VBT,SOA_Scale_MP2023,1.537,cancer,True,2016-02-13,False,False,128707.19,0.0007,5e-05,1.095,0.060278,0.005,False,,1.0,False,,,,0.015,0.0219,False,normal_rate,1.34,0.98,False,False,False,False,False,0.87,19.4,1.0,sub_standard_longevity,18.5,baseline,1.276,0.411,False,,False,,1970777.07,7347.43,8020.46,7775.52,66480.73,False,0,3.96,3.14
LI-2024-INS004-000283,2016-07-21,11,73,84,1943,male,never_smoker,29.4,69,199,CA,USA,married,less_than_hs,white_collar,78694.47,0.6371,simplified_issue,151,97,228,47,4.85,91,,False,,14.7,False,False,False,True,False,none,,none,none,bipolar,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-250,2.5,term_life,2000000,monthly,37248.12,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.081999,0.350477,SOA_2015_VBT,SOA_Scale_MP2023,2.714,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.122998,0.008,False,,1.0,False,,,,0.03,0.0357,False,normal_rate,1.22,1.36,False,False,False,False,False,0.878,13.6,2.6,sub_standard_longevity,26.0,baseline,1.022,0.512,False,,False,,2000000.0,36965.78,35165.98,38738.04,122620.81,False,0,0.95,-17.83
LI-2024-INS004-000284,2010-06-08,7,54,61,1956,male,never_smoker,29.2,70,203,NE,USA,married,bachelors,white_collar,60028.09,0.5138,full_paramedical,123,81,263,55,4.78,121,5.2,False,,10.73,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-327,1.25,term_life,500000,monthly,3053.7,20.0,none,,,,False,none,independent_broker,False,False,False,0.011925,0.022003,SOA_2015_VBT,SOA_Scale_MP2023,1.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002981,0.012,False,,1.0,False,,,,0.05,0.0644,False,normal_rate,3.6,1.35,False,False,False,False,False,0.767,34.4,27.4,preferred_longevity,61.3,baseline,1.115,0.609,True,33.6,False,,500000.0,24677.24,22685.72,24429.6,5802.03,False,0,2.97,21.16
LI-2024-INS004-000285,2008-08-15,18,77,95,1931,female,never_smoker,30.8,67,196,LA,USA,single,some_college,white_collar,64062.52,0.3888,full_paramedical,144,80,286,46,6.22,96,5.6,False,49.0,,True,True,True,False,True,breast,14.9,none,none,bipolar,1,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,32,UW-021,2.0,group_life,500000,semi_annual,6862.47,,none,,,,False,none,independent_broker,False,False,False,0.163856,0.596693,SOA_2015_VBT,SOA_Scale_MP2023,2.186,respiratory,True,2022-06-29,False,False,1790067.89,0.0007,5e-05,1.095,0.163856,0.005,False,,1.0,False,,,,0.1,0.1389,False,normal_rate,2.58,0.56,False,False,False,False,False,0.754,13.6,1.1,sub_standard_longevity,30.0,baseline,1.208,0.492,True,56.4,False,,500000.0,2949.0,2893.7,3019.49,23414.75,False,0,2.0,-5.88
LI-2024-INS004-000286,2005-02-19,20,65,85,1940,female,never_smoker,28.4,65,170,KS,USA,divorced,high_school,professional,82469.9,0.6302,simplified_issue,129,77,303,49,6.18,75,5.1,False,,,False,False,False,False,True,breast,2.8,none,none,depression,5,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,44,UW-385,2.0,term_life,500000,quarterly,7918.88,15.0,none,,,,False,none,independent_broker,False,False,False,0.069746,0.215775,SOA_2015_VBT,SOA_Scale_MP2023,2.038,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.069746,0.008,False,,1.0,False,,,,0.03,0.0359,False,normal_rate,1.6,2.02,False,False,False,False,False,0.802,25.2,5.2,sub_standard_longevity,29.8,baseline,1.027,0.712,False,,False,,500000.0,16068.27,16596.68,16471.27,24421.83,False,0,0.63,-11.48
LI-2024-INS004-000287,2010-06-13,8,35,43,1975,female,former_smoker,26.6,64,154,NM,USA,widowed,bachelors,light_blue_collar,56629.95,0.8096,accelerated_UW,120,74,207,52,3.98,98,5.5,False,93.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,True,23,UW-265,0.85,whole_life,1000000,monthly,3373.63,,none,2878.09,,,True,facultative,captive_agent,True,False,False,0.003298,0.002459,SOA_2015_VBT,SOA_Scale_MP2023,0.835,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.021,False,normal_rate,4.04,1.63,False,False,False,False,True,0.88,61.9,53.9,super_preferred_longevity,100.0,baseline,0.893,0.868,False,,False,,997121.91,25526.71,24622.63,26989.04,6409.9,False,0,2.91,22.42
LI-2024-INS004-000288,2007-02-20,19,21,40,1986,female,former_smoker,24.9,71,178,ID,USA,married,some_college,heavy_blue_collar,99279.74,0.3435,full_paramedical,116,76,164,51,3.22,109,4.7,False,,,False,False,True,True,False,none,,none,none,none,6,False,False,True,True,True,substandard_table_6,0.65,6.0,False,False,False,False,30,UW-438,2.5,term_life,250000,monthly,2100.55,25.0,none,,,,False,none,independent_broker,False,False,False,0.002686,0.013149,SOA_2015_VBT,SOA_Scale_MP2023,2.733,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004029,0.02,False,,1.0,False,,,,0.03,0.0428,False,normal_rate,2.46,1.42,False,False,False,False,False,0.902,70.0,51.0,super_preferred_longevity,100.0,baseline,1.242,0.342,False,,False,,250000.0,17521.71,14828.49,16804.4,3991.05,False,0,6.34,-20.0
LI-2024-INS004-000289,2001-02-13,1,26,27,1975,male,never_smoker,26.5,75,211,MT,USA,married,bachelors,light_blue_collar,24242.37,0.9495,simplified_issue,126,83,180,49,3.67,79,4.7,False,100.2,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-060,2.25,universal_life,500000,semi_annual,2461.06,,10yr_declining,1586.27,,,True,quota_share,captive_agent,False,False,False,0.001279,0.003958,SOA_2015_VBT,SOA_Scale_MP2023,2.342,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001599,0.018,False,,1.0,False,,,,0.12,0.0508,False,normal_rate,1.97,2.12,False,False,False,False,False,0.867,67.5,64.5,super_preferred_longevity,100.0,baseline,0.788,0.85,True,82.4,False,,498413.73,19448.38,18651.98,19688.48,4676.01,False,0,3.18,-17.9
LI-2024-INS004-000290,2014-06-07,3,47,50,1967,male,never_smoker,36.0,64,209,CT,USA,married,high_school,heavy_blue_collar,20000.0,0.6385,full_paramedical,145,90,228,37,6.16,93,4.2,False,82.3,4.77,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,True,True,False,True,standard,1.24,,False,True,False,False,27,UW-112,1.0,universal_life,500000,semi_annual,2069.02,,10yr_declining,1385.97,,,False,none,direct_to_consumer,False,False,False,0.005359,0.005779,SOA_2015_VBT,SOA_Scale_MP2023,1.056,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0599,False,normal_rate,4.74,1.58,False,False,False,False,False,0.788,43.8,40.8,super_preferred_longevity,83.3,baseline,1.021,0.605,False,,False,,498614.03,16571.85,17375.28,16552.16,3931.14,False,0,5.35,15.72
LI-2024-INS004-000291,2012-06-22,8,63,71,1949,female,never_smoker,26.2,60,134,IL,USA,single,some_college,professional,39809.92,0.5039,accelerated_UW,148,88,186,52,3.58,96,,False,,,True,False,False,False,False,none,,none,none,anxiety,11,True,False,False,False,False,substandard_table_2,4.58,2.0,True,False,False,True,18,UW-403,1.5,term_life,500000,quarterly,5015.92,30.0,none,,,,True,quota_share,bank,False,False,False,0.022246,0.050213,SOA_2015_VBT,SOA_Scale_MP2023,1.566,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011123,0.008,False,,1.0,False,,,,0.05,0.0648,False,normal_rate,4.41,1.15,False,False,False,False,False,0.917,28.0,20.0,standard_longevity,50.1,baseline,1.122,0.464,False,,False,,500000.0,41451.09,38335.35,40127.36,9530.25,False,0,4.12,2.43
LI-2024-INS004-000292,2022-10-17,3,61,64,1961,female,former_smoker,23.4,61,123,AK,USA,married,high_school,professional,100097.31,0.9626,full_paramedical,124,61,248,55,4.51,93,5.0,False,84.4,,False,True,True,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-215,0.84,whole_life,250000,monthly,1045.9,,none,665.52,,,False,none,captive_agent,False,False,False,0.016841,0.014487,SOA_2015_VBT,SOA_Scale_MP2023,0.791,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00412,1.0,False,,,,0.04,0.0372,False,normal_rate,2.23,2.95,False,False,False,False,False,0.849,37.2,34.2,super_preferred_longevity,88.2,baseline,0.778,0.937,False,,False,,249334.48,9200.24,8664.8,8367.2,1987.21,False,0,7.96,26.93
LI-2024-INS004-000293,2006-07-14,8,72,80,1934,male,never_smoker,19.8,65,119,RI,USA,married,some_college,white_collar,156695.73,0.4977,full_paramedical,142,91,240,56,4.29,78,,False,,10.93,False,False,False,True,False,none,,none,none,substance_use_disorder,0,False,True,False,False,True,standard,,,False,True,False,False,45,UW-342,1.0,whole_life,100000,semi_annual,747.43,,none,661.98,,,False,none,employer_group,False,False,False,0.059342,0.072478,SOA_2015_VBT,SOA_Scale_MP2023,1.084,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.02,0.0312,False,normal_rate,4.01,2.98,False,False,False,False,False,0.766,12.5,4.5,sub_standard_longevity,26.7,baseline,1.127,0.458,False,,False,,99338.02,1434.65,1220.1,1345.37,2346.93,False,0,2.41,21.24
LI-2024-INS004-000294,2019-05-06,2,59,61,1960,female,never_smoker,24.3,62,132,MI,USA,married,bachelors,professional,20000.0,0.6183,full_paramedical,120,62,186,57,3.26,95,4.9,False,93.5,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-301,2.25,indexed_ul,250000,annual,3292.54,,10yr_declining,2076.81,,,False,none,captive_agent,False,False,False,0.009861,0.035411,SOA_2015_VBT,SOA_Scale_MP2023,2.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012327,0.015,False,,1.0,False,,,,0.08,0.0434,False,normal_rate,4.81,2.17,False,False,False,False,False,0.841,34.7,32.7,preferred_longevity,70.8,baseline,1.036,0.564,False,,False,,247923.19,28424.31,25846.08,26340.32,6255.83,False,0,2.45,-17.65
LI-2024-INS004-000295,2012-04-12,1,22,23,1990,male,former_smoker,34.6,68,227,NY,USA,married,graduate,white_collar,474647.25,0.2952,simplified_issue,104,56,182,45,4.04,97,5.5,False,110.8,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-076,2.25,term_life,250000,semi_annual,1085.31,20.0,none,,,,False,none,captive_agent,False,False,False,0.001433,0.005957,SOA_2015_VBT,SOA_Scale_MP2023,2.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001792,0.022,False,,1.0,False,,,,0.1,0.2049,False,normal_rate,4.22,2.04,False,False,False,False,False,0.92,70.0,55.0,super_preferred_longevity,99.4,baseline,1.279,0.377,False,,False,,250000.0,8164.51,7636.77,8682.48,2062.09,False,0,3.24,-9.99
LI-2024-INS004-000296,2023-12-17,4,35,39,1988,female,unknown,25.1,67,160,IL,USA,married,graduate,heavy_blue_collar,96631.89,0.6531,full_paramedical,109,79,216,60,3.6,77,5.3,False,93.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,True,False,True,substandard_table_5,1.11,5.0,False,False,False,False,49,UW-231,2.25,term_life,2000000,monthly,16076.09,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.002226,0.007972,SOA_2015_VBT,SOA_Scale_MP2023,2.308,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002782,0.02,False,,1.0,False,,,,0.07,0.0824,False,normal_rate,3.35,1.1,True,False,False,False,False,0.985,63.4,55.8,super_preferred_longevity,100.0,baseline,1.01,0.577,True,38.0,False,,2000000.0,129515.61,132453.96,128608.72,30544.57,False,0,0.46,-15.94
LI-2024-INS004-000297,2000-09-28,24,78,102,1922,female,never_smoker,34.8,62,190,TX,USA,single,graduate,light_blue_collar,31442.75,0.674,full_paramedical,170,104,261,46,5.67,85,5.6,False,61.5,,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-133,2.0,term_life,250000,quarterly,3870.12,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.194308,0.625812,SOA_2015_VBT,SOA_Scale_MP2023,2.233,cardiovascular,True,2003-10-27,False,False,250481.06,0.0007,5e-05,1.095,0.194308,0.012,False,,1.0,False,,,,0.03,0.0488,False,normal_rate,1.57,0.66,False,False,False,False,False,0.875,10.0,1.0,sub_standard_longevity,24.1,baseline,0.994,0.604,False,,False,,250000.0,1630.07,1420.35,1548.05,13235.81,False,0,2.57,-12.87
LI-2024-INS004-000298,2024-09-15,1,50,51,1974,male,never_smoker,34.2,62,187,CO,USA,married,some_college,white_collar,51703.05,0.6575,full_paramedical,143,84,231,42,5.5,91,5.1,False,88.5,3.63,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-437,1.25,term_life,1000000,monthly,5374.0,15.0,none,,,,True,none,bank,False,False,False,0.005801,0.009265,SOA_2015_VBT,SOA_Scale_MP2023,1.338,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00145,0.018,False,,1.0,True,2025-06-14,unknown,1.0,0.1,0.1174,False,normal_rate,1.46,2.83,False,False,False,False,False,0.797,42.2,41.2,super_preferred_longevity,84.2,baseline,1.007,0.601,False,,False,,1000000.0,46431.11,36856.01,42992.0,10210.6,False,0,6.35,11.69
LI-2024-INS004-000299,2018-06-01,6,60,66,1958,female,never_smoker,26.5,71,189,MA,USA,divorced,high_school,professional,20000.0,0.2443,simplified_issue,134,90,198,60,3.3,73,4.8,False,55.3,,False,True,False,False,False,none,,none,none,substance_use_disorder,13,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-440,2.25,term_life,2000000,monthly,28500.62,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.015037,0.065448,SOA_2015_VBT,SOA_Scale_MP2023,2.356,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018797,0.012,False,,1.0,False,,,,0.05,0.0752,False,normal_rate,3.17,1.41,False,False,False,False,False,0.773,31.6,24.7,standard_longevity,53.2,baseline,1.317,0.215,False,,True,-0.628,2000000.0,218207.82,202230.19,228004.96,54151.18,False,0,1.08,-18.06
LI-2024-INS004-000300,2004-09-20,4,56,60,1948,male,never_smoker,26.2,68,172,MA,USA,divorced,high_school,light_blue_collar,46066.94,0.4115,limited_exam,108,62,243,44,5.52,94,,False,97.3,2.42,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-160,1.25,group_life,500000,semi_annual,3292.11,,none,,,,True,none,bank,False,False,False,0.01065,0.020907,SOA_2015_VBT,SOA_Scale_MP2023,1.438,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002662,0.008,False,,1.0,False,,,,0.15,0.2056,False,normal_rate,2.89,1.4,False,False,False,False,False,0.792,30.5,26.5,standard_longevity,58.4,baseline,1.191,0.455,False,,False,,500000.0,27886.05,22818.32,26336.88,6255.01,False,0,8.14,14.0
LI-2024-INS004-000301,2020-10-23,1,73,74,1947,female,never_smoker,15.6,61,90,FL,USA,single,graduate,light_blue_collar,97439.65,0.41,full_paramedical,114,75,203,73,2.78,60,4.7,False,46.9,,False,False,False,True,False,none,,none,none,depression,3,False,False,False,False,True,declined,,,False,False,True,False,33,UW-070,7.0,whole_life,500000,semi_annual,24309.2,,none,15827.65,,,True,quota_share,worksite,False,False,False,0.028454,0.43703,SOA_2015_VBT,SOA_Scale_MP2023,7.65,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.170722,0.008,True,0.00674,1.0,False,,,,0.06,0.0823,False,normal_rate,1.73,0.82,False,False,False,False,False,1.0,17.3,18.0,standard_longevity,45.6,baseline,1.192,0.385,True,64.1,False,,484172.35,162160.01,150179.73,175026.24,50076.95,False,0,-5.0,-20.0
LI-2024-INS004-000302,2023-01-24,4,22,26,2001,male,never_smoker,27.8,63,157,TN,USA,single,high_school,white_collar,31257.91,0.8111,full_paramedical,117,76,202,43,4.7,107,5.0,False,81.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,11,UW-224,0.6,term_life,100000,monthly,114.62,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.001229,0.000682,SOA_2015_VBT,SOA_Scale_MP2023,0.623,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0736,False,normal_rate,3.16,1.57,True,False,False,False,False,0.862,70.0,55.0,super_preferred_longevity,100.0,baseline,0.892,0.735,False,,False,,100000.0,889.06,897.57,916.96,217.78,False,0,2.88,33.99
LI-2024-INS004-000303,2022-05-27,4,48,52,1974,male,never_smoker,31.0,74,241,AK,USA,married,bachelors,heavy_blue_collar,44092.2,0.5311,simplified_issue,128,64,170,43,3.95,80,,False,93.5,2.8,False,False,False,False,False,none,,none,none,depression,2,False,True,False,False,False,substandard_table_1,1.07,1.0,False,False,False,False,10,UW-461,1.25,term_life,1000000,quarterly,5722.78,25.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.006284,0.016328,SOA_2015_VBT,SOA_Scale_MP2023,1.471,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001571,0.018,True,0.00457,1.0,False,,,,0.07,0.0893,False,normal_rate,3.91,0.87,True,False,False,False,False,0.797,43.7,39.7,super_preferred_longevity,80.0,baseline,1.102,0.525,False,,False,,1000000.0,44329.08,43319.33,45782.24,10873.28,False,0,1.73,9.59
LI-2024-INS004-000304,2023-05-24,4,66,70,1957,male,former_smoker,22.8,66,141,TX,USA,divorced,bachelors,light_blue_collar,38839.56,0.746,full_paramedical,135,75,197,55,3.58,114,4.8,False,,10.38,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,16,UW-274,0.84,annuity_immediate,100000,monthly,519.46,,none,,,,False,none,direct_to_consumer,False,False,False,0.034202,0.024769,SOA_2015_VBT,SOA_Scale_MP2023,0.77,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.005,0.0077,False,normal_rate,3.31,2.8,False,False,False,False,False,0.981,23.5,19.5,standard_longevity,52.9,baseline,0.941,0.66,False,,False,,100000.0,4370.34,3519.78,4051.79,1007.75,False,0,3.28,16.05
LI-2024-INS004-000305,2019-02-03,5,69,74,1950,female,never_smoker,27.9,68,183,KS,USA,single,bachelors,heavy_blue_collar,213173.6,0.8168,limited_exam,138,82,204,54,3.78,100,5.1,False,41.6,,True,False,False,True,False,none,,none,none,anxiety,0,True,False,False,False,True,substandard_table_6,5.69,6.0,True,False,False,False,18,UW-379,2.5,term_life,1000000,annual,14542.15,10.0,none,,,,True,none,direct_to_consumer,False,False,False,0.027434,0.105396,SOA_2015_VBT,SOA_Scale_MP2023,2.639,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04115,0.012,False,,1.0,False,,,,0.07,0.1026,False,normal_rate,1.95,1.65,False,False,False,False,False,0.907,23.7,19.4,standard_longevity,53.9,baseline,0.887,0.927,True,45.4,False,,1000000.0,122151.12,100527.87,112847.08,28328.11,False,0,1.4,-9.13
LI-2024-INS004-000306,2024-05-27,2,61,63,1963,male,never_smoker,28.0,65,167,AL,USA,single,less_than_hs,white_collar,61662.19,0.8181,full_paramedical,128,87,179,36,4.97,91,,False,71.0,3.69,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,49,UW-169,1.25,group_life,250000,quarterly,1888.69,,none,,,,False,none,independent_broker,False,False,False,0.015312,0.024011,SOA_2015_VBT,SOA_Scale_MP2023,1.487,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003828,0.015,False,,1.0,False,,,,0.15,0.1568,False,normal_rate,0.87,1.15,False,False,False,False,False,0.884,29.9,30.3,preferred_longevity,70.2,baseline,0.886,0.888,False,,True,1.599,250000.0,14824.91,13977.9,15109.52,3588.51,False,0,3.33,16.43
LI-2024-INS004-000307,2002-10-04,23,68,91,1934,male,never_smoker,19.9,63,112,MT,USA,divorced,bachelors,white_collar,40664.32,0.8889,full_paramedical,136,82,213,58,3.67,94,5.5,False,,20.0,False,False,True,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,31,UW-282,1.25,term_life,250000,annual,2627.79,20.0,none,,,,False,none,bank,False,False,False,0.150782,0.197649,SOA_2015_VBT,SOA_Scale_MP2023,1.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037696,0.005,False,,1.0,False,,,,0.03,0.0297,False,normal_rate,1.68,2.3,False,False,False,False,False,0.757,21.1,1.0,standard_longevity,37.3,baseline,0.833,0.933,False,,False,,250000.0,1004.1,1071.56,1051.12,8987.04,False,0,1.63,13.19
LI-2024-INS004-000308,2024-01-25,3,19,22,2005,female,former_smoker,34.7,69,235,MA,USA,single,bachelors,professional,97859.73,0.3234,limited_exam,113,66,230,45,5.11,86,5.8,False,105.5,,False,False,False,False,False,none,,pre_diabetes,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,54,UW-331,1.0,term_life,250000,annual,468.04,15.0,none,,,,False,none,captive_agent,False,False,False,0.00111,0.00149,SOA_2015_VBT,SOA_Scale_MP2023,1.067,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.1009,False,normal_rate,5.05,2.56,False,False,False,False,False,0.757,70.0,56.1,super_preferred_longevity,100.0,baseline,1.257,0.455,True,40.0,False,,250000.0,3400.13,3508.2,3744.32,889.28,False,0,3.18,17.43
LI-2024-INS004-000309,2019-01-01,5,60,65,1959,female,never_smoker,41.8,68,274,MS,USA,married,high_school,white_collar,25731.94,0.4456,non_med_guaranteed,125,84,231,35,6.6,89,6.0,False,,,False,False,False,False,False,none,,none,none,bipolar,6,False,True,False,True,True,substandard_table_4,,4.0,False,False,False,False,32,UW-124,2.0,whole_life,2000000,monthly,22203.56,,none,15812.76,9487.66,0.6,True,excess_of_loss,captive_agent,False,False,False,0.013956,0.048401,SOA_2015_VBT,SOA_Scale_MP2023,2.117,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013956,0.012,False,,1.0,False,,,,0.04,0.0322,False,normal_rate,5.47,0.81,False,False,False,False,False,0.906,32.6,27.4,preferred_longevity,60.3,baseline,1.166,0.591,True,31.4,False,,1984187.24,178669.01,151160.83,177628.48,42186.76,False,0,3.61,-10.39
LI-2024-INS004-000310,2008-11-06,16,53,69,1955,female,former_smoker,27.8,66,172,VA,USA,married,some_college,professional,110925.61,0.809,full_paramedical,134,85,210,70,3.0,97,,False,70.1,,False,False,False,False,True,melanoma,4.6,none,none,depression,0,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,28,UW-370,1.5,universal_life,500000,semi_annual,3991.63,,10yr_declining,4548.89,,,False,none,captive_agent,False,False,False,0.024477,0.049167,SOA_2015_VBT,SOA_Scale_MP2023,1.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012239,0.012,False,,1.0,False,,,,0.04,0.0421,False,normal_rate,3.9,2.38,False,False,False,False,False,0.835,40.4,24.2,preferred_longevity,60.9,baseline,0.893,0.808,True,30.7,False,,495451.11,30202.77,31458.84,31933.04,7584.1,False,0,0.25,6.06
LI-2024-INS004-000311,2021-03-10,6,30,36,1991,male,never_smoker,38.4,72,282,LA,USA,divorced,some_college,white_collar,25160.02,0.7634,accelerated_UW,140,99,192,54,3.56,101,5.8,False,118.3,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,25,UW-175,1.5,term_life,1000000,annual,4993.44,10.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.00201,0.006429,SOA_2015_VBT,SOA_Scale_MP2023,1.515,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001005,0.022,True,0.0026,1.0,False,,,,0.05,0.0762,False,normal_rate,4.92,1.29,False,False,False,False,False,0.9,65.5,65.3,super_preferred_longevity,100.0,baseline,0.927,0.708,True,85.8,False,,1000000.0,36769.1,34711.0,39947.52,9487.54,False,0,0.99,6.59
LI-2024-INS004-000312,2016-08-24,2,74,76,1942,female,never_smoker,30.1,61,159,CO,USA,married,high_school,professional,147258.68,0.6342,non_med_guaranteed,147,89,254,52,4.88,101,,False,56.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-440,1.5,whole_life,500000,monthly,5285.97,,none,3710.61,,,False,none,captive_agent,False,False,False,0.03255,0.070123,SOA_2015_VBT,SOA_Scale_MP2023,1.615,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016275,0.008,False,,1.0,False,,,,0.04,0.0477,False,normal_rate,3.05,0.82,False,False,False,False,False,0.816,16.5,15.7,standard_longevity,45.6,baseline,1.024,0.593,True,58.7,False,,496289.39,33011.81,32882.78,33195.89,11861.72,False,0,2.8,10.0
LI-2024-INS004-000313,2009-10-04,14,79,93,1930,female,former_smoker,28.5,68,187,MS,USA,married,some_college,professional,25884.49,0.4146,full_paramedical,133,75,228,51,4.47,128,5.8,False,62.9,,False,False,False,False,False,none,,pre_diabetes,none,depression,5,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,44,UW-483,1.25,term_life,1000000,semi_annual,9040.0,15.0,none,,,,True,quota_share,captive_agent,True,False,False,0.180799,0.324458,SOA_2015_VBT,SOA_Scale_MP2023,1.299,cardiovascular,True,2016-05-09,False,False,1753184.33,0.0007,5e-05,1.095,0.0452,0.005,False,,1.0,True,2025-10-26,replacement,14.0,0.03,0.041,False,normal_rate,2.0,1.57,False,False,False,False,False,0.985,8.6,1.1,sub_standard_longevity,20.4,baseline,1.189,0.51,True,61.6,False,,1000000.0,3919.14,4054.4,3977.6,30844.48,False,0,3.73,7.82
LI-2024-INS004-000314,2006-01-17,7,74,81,1932,male,never_smoker,23.4,62,128,WI,USA,single,high_school,light_blue_collar,119594.19,0.5839,full_paramedical,161,93,207,56,3.7,102,5.0,False,35.5,15.73,True,False,False,True,False,none,,none,none,anxiety,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,54,UW-330,2.5,group_life,1000000,monthly,19361.85,,none,,,,True,none,captive_agent,False,False,False,0.064063,0.274425,SOA_2015_VBT,SOA_Scale_MP2023,2.621,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.096094,0.005,False,,1.0,False,,,,0.12,0.1479,False,normal_rate,5.42,2.96,False,False,False,False,False,0.882,10.5,3.9,sub_standard_longevity,27.1,baseline,1.062,0.761,True,66.3,False,,1000000.0,32697.72,30123.89,30204.49,61725.58,False,0,2.64,-20.0
LI-2024-INS004-000315,2013-01-07,11,32,43,1981,male,current_smoker,33.1,61,175,MS,USA,married,bachelors,professional,20000.0,0.3984,limited_exam,128,77,220,48,4.58,104,5.7,True,96.4,0.59,True,False,False,False,False,none,,pre_diabetes,none,depression,2,False,False,False,False,True,substandard_table_3,,3.0,False,False,False,False,52,UW-216,1.75,universal_life,500000,monthly,3048.41,,10yr_declining,2960.02,,,False,none,direct_to_consumer,False,False,False,0.006342,0.019437,SOA_2015_VBT,SOA_Scale_MP2023,1.927,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004757,0.02,False,,1.0,False,,,,0.04,0.2463,True,normal_rate,3.51,1.24,False,False,False,False,False,0.776,60.3,49.3,super_preferred_longevity,92.4,baseline,1.201,0.468,False,,False,,497039.98,23159.14,22340.47,24387.28,5791.98,False,0,-1.46,1.3
LI-2024-INS004-000316,2000-09-10,20,54,74,1946,female,former_smoker,35.3,60,180,CT,USA,single,bachelors,heavy_blue_collar,441499.47,0.4107,full_paramedical,100,63,272,47,5.79,99,4.8,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,0.53,1.0,False,False,False,False,26,UW-111,1.25,term_life,2000000,annual,15628.77,25.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.036694,0.068657,SOA_2015_VBT,SOA_Scale_MP2023,1.36,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009173,0.008,False,,1.0,False,,,,0.03,0.0411,False,normal_rate,2.81,2.74,False,False,False,False,False,0.972,36.2,16.2,standard_longevity,43.0,baseline,1.192,0.337,False,,False,,2000000.0,109320.7,105528.37,101274.43,34445.81,False,0,0.26,4.17
LI-2024-INS004-000317,2003-03-23,20,54,74,1949,male,never_smoker,26.3,64,153,WI,USA,married,bachelors,white_collar,187026.06,0.6847,full_paramedical,149,104,227,52,4.37,85,5.0,False,80.6,4.35,False,False,False,False,False,none,,none,none,schizophrenia,14,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-271,2.25,term_life,500000,monthly,6234.13,30.0,none,,,,False,none,captive_agent,False,False,False,0.036143,0.132246,SOA_2015_VBT,SOA_Scale_MP2023,2.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.045179,0.008,False,,1.0,False,,,,0.03,0.0346,False,normal_rate,3.37,1.18,False,False,False,False,False,0.917,33.7,13.7,standard_longevity,43.3,baseline,0.986,0.746,False,,False,,500000.0,35887.12,29045.26,34163.03,14986.85,False,0,0.57,-11.87
LI-2024-INS004-000318,2016-07-20,7,43,50,1973,male,never_smoker,27.8,72,205,CA,USA,single,high_school,white_collar,36934.92,0.7151,simplified_issue,150,82,216,51,4.24,89,5.1,False,86.7,2.5,False,False,False,True,False,none,,none,none,schizophrenia,9,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,60,UW-268,2.5,term_life,500000,annual,5116.7,20.0,none,,,,False,none,captive_agent,False,False,False,0.005359,0.021948,SOA_2015_VBT,SOA_Scale_MP2023,2.693,cancer,True,2022-02-08,False,False,763080.89,0.0007,5e-05,1.095,0.008039,0.018,False,,1.0,False,,,,0.05,0.0564,False,normal_rate,3.88,2.71,False,False,False,False,False,0.95,49.3,42.3,super_preferred_longevity,86.7,baseline,0.964,0.76,False,,False,,500000.0,37963.4,34952.89,40933.6,9721.73,False,0,1.61,-18.83
LI-2024-INS004-000319,2023-08-24,4,58,62,1965,female,former_smoker,17.5,60,90,RI,USA,single,bachelors,white_collar,42315.18,0.7238,full_paramedical,111,66,162,36,4.5,78,,False,80.6,,True,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,standard_plus,,,False,False,False,False,8,UW-348,0.95,term_life,1000000,monthly,4400.0,10.0,none,,,,True,none,bank,False,False,False,0.015062,0.014416,SOA_2015_VBT,SOA_Scale_MP2023,1.0,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.0785,False,normal_rate,3.44,1.36,False,False,False,False,False,0.762,36.8,35.0,preferred_longevity,75.9,baseline,0.957,0.686,True,53.9,False,,1000000.0,33768.97,31782.77,35200.0,8360.0,False,0,5.03,19.52
LI-2024-INS004-000320,2005-10-11,5,21,26,1984,female,never_smoker,29.2,58,139,CT,USA,married,high_school,hazardous,45836.85,0.4874,accelerated_UW,104,67,291,52,5.6,100,,False,96.3,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,4.1,1.0,True,False,False,True,29,UW-302,1.25,whole_life,250000,semi_annual,707.51,,none,493.68,,,False,none,employer_group,False,False,False,0.000983,0.001885,SOA_2015_VBT,SOA_Scale_MP2023,1.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000246,0.02,False,,1.0,False,,,,0.04,0.0629,False,normal_rate,3.04,2.39,False,False,False,False,False,0.886,70.0,55.0,super_preferred_longevity,100.0,baseline,1.134,0.508,False,,False,,249506.32,5224.24,5394.4,5660.08,1344.27,False,0,1.05,11.58
LI-2024-INS004-000321,2010-07-01,8,39,47,1971,female,never_smoker,27.8,69,187,VT,USA,married,bachelors,professional,22326.26,0.925,simplified_issue,133,80,191,58,3.29,93,5.4,False,74.7,,False,False,False,False,False,none,,none,none,schizophrenia,0,True,False,False,False,False,substandard_table_5,3.13,5.0,True,False,False,False,24,UW-431,2.25,term_life,250000,annual,2331.08,20.0,none,,,,False,none,independent_broker,False,False,False,0.003401,0.010518,SOA_2015_VBT,SOA_Scale_MP2023,2.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004251,0.018,False,,1.0,False,,,,0.05,0.048,False,normal_rate,1.81,0.76,False,False,False,False,False,0.995,57.8,49.8,super_preferred_longevity,100.0,baseline,0.806,0.852,False,,False,,250000.0,19656.0,16501.12,18648.64,4429.05,False,0,-2.12,-1.95
LI-2024-INS004-000322,2004-06-19,15,43,58,1961,female,unknown,43.6,66,270,WY,USA,married,high_school,white_collar,43804.45,0.5209,non_med_guaranteed,133,73,247,20,12.35,119,5.5,False,65.7,,False,True,False,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,40,UW-260,2.0,annuity_deferred,1000000,monthly,9182.01,,none,9971.66,,,True,excess_of_loss,independent_broker,True,True,False,0.008926,0.031146,SOA_2015_VBT,SOA_Scale_MP2023,2.244,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008926,0.015,False,,1.0,False,,,,0.01,0.0128,False,normal_rate,3.33,0.59,False,False,False,False,False,0.869,50.4,35.4,preferred_longevity,73.4,baseline,1.109,0.58,False,,False,,990028.34,74102.04,69013.15,73456.08,17445.82,False,0,5.38,-7.26
LI-2024-INS004-000323,2017-11-06,10,19,29,1998,male,never_smoker,17.9,62,97,CA,USA,married,bachelors,hazardous,64582.38,0.3751,limited_exam,109,60,188,62,3.03,96,6.0,False,69.4,,True,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,4.48,5.0,True,False,False,False,24,UW-269,2.25,term_life,1000000,semi_annual,5938.91,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.001394,0.005791,SOA_2015_VBT,SOA_Scale_MP2023,2.383,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001743,0.022,False,,1.0,False,,,,0.05,0.07,False,normal_rate,0.73,2.32,False,False,False,False,False,0.794,70.0,57.5,super_preferred_longevity,100.0,baseline,1.219,0.645,True,47.8,False,,1000000.0,44355.77,48934.4,47511.28,11283.93,False,0,3.21,-15.17
LI-2024-INS004-000324,2023-06-28,3,41,44,1982,male,former_smoker,35.4,72,261,MT,USA,single,some_college,white_collar,71337.05,0.4659,accelerated_UW,121,70,222,31,7.16,102,5.2,False,91.2,0.81,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,11,UW-041,1.5,universal_life,2000000,monthly,10095.15,,10yr_declining,6651.89,,,True,coinsurance,worksite,False,False,False,0.004427,0.010369,SOA_2015_VBT,SOA_Scale_MP2023,1.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002214,0.02,False,,1.0,False,,,,0.08,0.0478,False,normal_rate,4.94,2.24,False,False,False,False,False,0.777,51.8,48.8,super_preferred_longevity,92.7,baseline,1.151,0.652,False,,False,,1993348.11,86583.28,83823.33,80761.2,19180.79,False,0,-1.03,1.44
LI-2024-INS004-000325,2022-07-12,1,41,42,1981,female,never_smoker,29.6,62,161,OK,USA,married,bachelors,hazardous,76950.09,0.6711,accelerated_UW,120,64,171,55,3.11,80,4.6,False,111.4,,False,True,False,False,True,breast,3.0,none,none,none,1,False,False,False,False,True,substandard_table_4,3.0,4.0,True,False,False,True,41,UW-121,2.0,term_life,100000,semi_annual,647.17,25.0,none,,,,False,none,independent_broker,False,False,False,0.002366,0.010787,SOA_2015_VBT,SOA_Scale_MP2023,2.208,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.02,True,0.00322,1.0,False,,,,0.1,0.1163,False,normal_rate,5.07,1.42,False,False,False,False,False,0.857,56.4,55.0,super_preferred_longevity,100.0,baseline,0.997,0.484,False,,False,,100000.0,5202.75,4647.35,5177.36,1229.62,False,0,-0.28,-3.97
LI-2024-INS004-000326,2010-01-01,9,79,88,1931,female,never_smoker,31.5,71,225,CT,USA,married,bachelors,light_blue_collar,28985.58,0.9795,non_med_guaranteed,139,92,195,35,5.57,111,,False,49.5,,False,False,False,False,False,none,,none,none,none,0,True,False,False,False,False,substandard_table_1,2.71,1.0,True,False,False,False,20,UW-439,1.25,universal_life,500000,monthly,5135.04,,15yr_declining,4464.47,,,False,none,worksite,False,False,False,0.092654,0.120956,SOA_2015_VBT,SOA_Scale_MP2023,1.379,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023164,0.005,False,,1.0,False,,,,0.06,0.0247,False,normal_rate,3.29,2.39,False,False,False,False,False,0.996,11.0,2.0,sub_standard_longevity,30.2,baseline,0.765,0.914,False,,False,,495535.53,4277.36,3911.02,4108.03,17151.03,False,0,1.69,12.8
LI-2024-INS004-000327,2021-05-18,3,58,61,1963,female,never_smoker,25.9,63,146,MA,USA,married,bachelors,light_blue_collar,36010.55,0.869,accelerated_UW,145,80,222,43,5.16,95,,False,50.7,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,10,UW-301,1.25,universal_life,250000,annual,1811.0,,15yr_declining,1165.24,,,False,none,employer_group,False,False,False,0.010319,0.018613,SOA_2015_VBT,SOA_Scale_MP2023,1.343,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00258,0.015,True,0.00428,1.0,True,2025-08-05,voluntary_surrender,3.0,0.08,0.1597,False,normal_rate,4.68,2.35,False,False,False,True,False,0.929,37.1,34.1,preferred_longevity,76.7,baseline,0.848,0.896,False,,False,,248834.76,14157.17,14111.2,14488.0,3440.9,False,0,2.04,9.14
LI-2024-INS004-000328,2004-08-28,8,62,70,1942,male,former_smoker,26.7,74,208,ME,USA,married,high_school,light_blue_collar,20000.0,0.7428,simplified_issue,147,88,252,66,3.82,108,,False,68.6,1.0,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-098,1.5,indexed_ul,250000,monthly,2272.14,,15yr_declining,1874.64,,,False,none,direct_to_consumer,True,False,False,0.031316,0.060717,SOA_2015_VBT,SOA_Scale_MP2023,1.526,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015658,0.008,False,,1.0,False,,,,0.06,0.0418,False,normal_rate,3.88,1.01,False,False,False,False,False,0.916,24.9,16.9,standard_longevity,49.0,baseline,0.943,0.728,False,,False,,248125.36,15064.84,15225.02,15359.67,4880.56,False,0,0.71,11.68
LI-2024-INS004-000329,2005-03-12,15,48,63,1957,male,current_smoker,25.4,71,181,LA,USA,married,some_college,white_collar,52004.9,0.1767,simplified_issue,151,101,223,49,4.55,83,5.5,True,56.0,4.99,False,True,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,17,UW-352,2.75,term_life,500000,quarterly,6688.7,25.0,none,,,,False,none,employer_group,False,False,False,0.028658,0.159643,SOA_2015_VBT,SOA_Scale_MP2023,2.794,cardiovascular,True,2009-04-10,False,False,1082034.03,0.0007,5e-05,1.095,0.050151,0.012,False,,1.0,False,,,,0.03,0.0561,False,normal_rate,2.18,2.7,False,False,False,False,False,0.809,42.2,27.2,preferred_longevity,66.0,baseline,1.367,0.193,False,,False,,500000.0,54421.15,52336.21,53509.6,12708.53,False,0,-0.23,-20.0
LI-2024-INS004-000330,2017-03-08,3,75,78,1942,male,never_smoker,30.8,67,196,OH,USA,single,bachelors,light_blue_collar,132790.4,0.1782,full_paramedical,145,94,206,46,4.48,95,,False,105.7,7.29,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-060,2.25,term_life,500000,quarterly,8130.45,25.0,none,,,,False,none,captive_agent,False,False,False,0.048435,0.219575,SOA_2015_VBT,SOA_Scale_MP2023,2.403,cancer,True,2018-07-26,True,False,1759995.55,0.0007,5e-05,1.095,0.060544,0.008,False,,1.0,False,,,,0.07,0.1526,False,normal_rate,4.97,2.27,False,False,False,False,False,0.757,9.7,6.7,sub_standard_longevity,25.2,baseline,1.366,0.02,False,,False,,500000.0,21872.17,19090.61,21789.61,24098.65,False,0,5.46,-10.85
LI-2024-INS004-000331,2021-02-05,3,68,71,1953,male,former_smoker,20.2,61,107,ID,USA,single,less_than_hs,white_collar,110981.79,0.8805,non_med_guaranteed,122,82,157,41,3.83,86,5.2,False,65.9,7.58,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-274,2.25,term_life,100000,monthly,1437.98,25.0,none,,,,False,none,captive_agent,False,False,False,0.035564,0.115807,SOA_2015_VBT,SOA_Scale_MP2023,2.296,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044455,0.012,True,0.00279,1.0,False,,,,0.07,0.0697,False,normal_rate,3.64,2.54,False,False,False,False,False,0.803,21.4,22.1,standard_longevity,58.9,baseline,0.84,0.783,True,89.7,False,,100000.0,12275.02,10153.3,11503.84,2732.16,False,0,-0.19,-1.37
LI-2024-INS004-000332,2023-10-28,1,23,24,2000,female,never_smoker,20.6,60,105,WA,USA,divorced,bachelors,light_blue_collar,50335.61,0.8373,full_paramedical,115,77,184,62,2.97,60,5.4,False,,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,True,False,True,preferred_plus,,,False,False,False,False,36,UW-474,0.57,universal_life,500000,monthly,569.07,,15yr_declining,381.65,,,False,none,captive_agent,True,False,False,0.000913,0.000451,SOA_2015_VBT,SOA_Scale_MP2023,0.567,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.12,0.0556,False,normal_rate,3.85,2.3,False,False,False,False,True,0.799,70.0,55.0,super_preferred_longevity,100.0,baseline,0.872,0.717,False,,False,,499618.35,4789.25,4718.64,4552.56,1081.23,False,0,4.83,33.26
LI-2024-INS004-000333,2019-12-24,1,31,32,1988,male,never_smoker,33.1,72,243,OH,USA,single,high_school,white_collar,157928.0,0.8118,full_paramedical,126,88,222,53,4.19,114,4.7,False,97.7,,False,False,False,False,False,none,,none,none,none,9,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-077,1.25,whole_life,500000,monthly,1448.22,,none,950.95,,,False,none,independent_broker,False,False,False,0.001611,0.002436,SOA_2015_VBT,SOA_Scale_MP2023,1.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.02,False,,1.0,False,,,,0.06,0.063,False,normal_rate,2.02,0.5,False,False,False,False,False,0.956,64.0,55.0,super_preferred_longevity,100.0,baseline,0.891,0.927,False,,False,,499049.05,12232.75,11199.86,11585.76,2751.62,False,0,3.94,9.37
LI-2024-INS004-000334,2024-02-08,2,80,82,1944,male,never_smoker,21.1,73,159,OK,USA,married,some_college,heavy_blue_collar,24556.57,0.8093,full_paramedical,127,85,189,55,3.44,92,,False,71.4,13.96,False,False,False,True,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_6,0.56,6.0,False,False,False,False,34,UW-221,2.5,whole_life,500000,annual,8394.36,,none,5179.65,,,False,none,worksite,False,False,False,0.069612,0.269155,SOA_2015_VBT,SOA_Scale_MP2023,2.65,cardiovascular,True,2026-01-09,True,False,1661617.95,0.0007,5e-05,1.095,0.104418,0.008,False,,1.0,False,,,,0.04,0.0421,False,normal_rate,3.67,0.54,False,False,False,True,False,0.856,7.5,5.5,sub_standard_longevity,32.9,baseline,0.893,1.0,False,,False,,494820.35,19458.98,17364.98,18467.59,25686.74,False,0,1.11,-13.86
LI-2024-INS004-000335,2009-10-03,15,41,56,1968,female,former_smoker,33.0,63,186,NV,USA,divorced,graduate,white_collar,53771.3,0.3439,full_paramedical,132,80,202,47,4.3,104,5.0,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard,,,False,False,False,False,8,UW-217,1.08,whole_life,500000,monthly,2552.39,,none,2816.8,,,False,none,direct_to_consumer,False,True,False,0.009067,0.012089,SOA_2015_VBT,SOA_Scale_MP2023,1.009,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000725,0.015,False,,1.0,False,,,,0.015,0.0299,False,normal_rate,1.21,0.99,False,False,False,False,False,0.762,52.8,41.8,super_preferred_longevity,80.4,baseline,1.242,0.255,True,65.0,False,,497183.2,19313.18,17681.76,20419.12,4849.54,False,0,3.48,9.04
LI-2024-INS004-000336,2009-06-17,9,79,88,1930,female,never_smoker,32.7,64,190,VA,USA,single,less_than_hs,professional,20000.0,0.589,simplified_issue,172,104,238,42,5.67,101,5.8,False,49.9,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-471,2.0,annuity_deferred,2000000,monthly,32426.22,,none,28582.8,,,True,quota_share,captive_agent,True,False,False,0.092191,0.291118,SOA_2015_VBT,SOA_Scale_MP2023,2.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.092191,0.005,False,,1.0,False,,,,0.02,0.0246,False,normal_rate,2.47,1.54,False,False,False,True,True,0.862,9.3,2.1,sub_standard_longevity,24.5,baseline,1.058,0.628,False,,True,0.751,1971417.2,24883.63,23786.85,27238.02,108044.17,False,0,0.12,-1.55
LI-2024-INS004-000337,2015-11-15,5,25,30,1990,male,current_smoker,33.0,68,216,OH,USA,married,bachelors,white_collar,68028.81,0.4422,full_paramedical,151,97,179,45,3.98,115,5.5,True,81.5,,False,False,False,False,False,none,,none,none,none,7,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-426,2.0,whole_life,500000,monthly,2817.05,,none,2078.72,,,False,none,independent_broker,False,True,False,0.00292,0.010244,SOA_2015_VBT,SOA_Scale_MP2023,2.147,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00292,0.022,False,,1.0,False,,,,0.04,0.0538,False,normal_rate,2.19,2.01,False,False,False,False,False,0.988,69.0,55.0,super_preferred_longevity,100.0,baseline,1.168,0.5,False,,False,,497921.28,20951.82,21341.77,22536.4,5352.4,False,0,1.87,-13.5
LI-2024-INS004-000338,2015-08-19,4,35,39,1980,male,never_smoker,30.0,70,209,IN,USA,married,graduate,white_collar,234653.17,0.3618,simplified_issue,140,96,216,60,3.6,102,5.2,False,86.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,standard,,,False,True,False,False,44,UW-433,1.0,term_life,100000,monthly,295.62,10.0,none,,,,True,facultative,captive_agent,False,False,False,0.002419,0.002987,SOA_2015_VBT,SOA_Scale_MP2023,1.005,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0987,False,normal_rate,2.58,2.5,False,False,False,False,False,0.945,57.0,53.0,super_preferred_longevity,97.4,baseline,1.229,0.352,False,,False,,100000.0,2410.12,2428.79,2364.96,561.68,False,0,5.04,16.35
LI-2024-INS004-000339,2014-03-04,8,23,31,1991,female,current_smoker,28.2,66,174,PA,USA,widowed,graduate,white_collar,76290.72,0.6272,accelerated_UW,128,78,249,75,3.32,106,5.3,True,102.0,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,True,21,UW-226,2.75,annuity_deferred,500000,quarterly,4022.95,,none,3553.87,,,True,quota_share,bank,False,False,False,0.002451,0.011816,SOA_2015_VBT,SOA_Scale_MP2023,2.982,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00429,0.022,False,,1.0,False,,,,0.02,0.024,False,normal_rate,2.18,1.91,False,False,False,False,False,0.875,70.0,55.0,super_preferred_longevity,100.0,baseline,1.03,0.514,False,,False,,496446.13,34978.09,30644.57,32183.6,7643.6,False,0,-1.79,-20.0
LI-2024-INS004-000340,2018-05-26,7,28,35,1990,female,never_smoker,33.8,65,203,MT,USA,married,graduate,light_blue_collar,388583.05,0.6576,full_paramedical,139,89,184,43,4.28,87,5.5,False,82.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-346,1.25,group_life,1000000,semi_annual,3736.1,,none,,,,True,quota_share,employer_group,False,False,False,0.001517,0.002356,SOA_2015_VBT,SOA_Scale_MP2023,1.294,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000379,0.022,False,,1.0,False,,,,0.12,0.169,False,normal_rate,4.05,2.1,False,False,False,False,False,0.902,70.0,55.0,super_preferred_longevity,100.0,baseline,1.007,0.534,False,,False,,1000000.0,31096.37,27097.43,29888.8,7098.59,False,0,1.46,12.2
LI-2024-INS004-000341,2012-09-08,5,64,69,1948,female,never_smoker,33.2,62,181,MD,USA,single,some_college,white_collar,165581.59,0.2394,limited_exam,139,97,196,54,3.63,88,4.7,False,75.8,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-357,1.5,whole_life,1000000,annual,9638.75,,none,7373.37,,,True,coinsurance,bank,False,False,False,0.018533,0.049254,SOA_2015_VBT,SOA_Scale_MP2023,1.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009267,0.008,False,,1.0,True,2026-03-20,voluntary_surrender,5.0,0.04,0.0845,False,normal_rate,3.53,1.97,False,False,False,False,False,0.968,25.8,20.8,standard_longevity,47.3,baseline,1.32,0.191,False,,False,,992626.63,81965.82,80943.59,77110.0,18313.62,False,0,2.47,3.23
LI-2024-INS004-000342,2022-07-04,2,32,34,1990,male,never_smoker,31.3,60,160,KS,USA,single,high_school,white_collar,96047.24,0.3654,limited_exam,150,104,179,39,4.59,89,5.5,False,,,False,False,False,False,True,prostate,1.5,none,none,depression,0,False,False,False,False,True,standard,,,False,True,False,False,56,UW-214,1.0,whole_life,100000,quarterly,306.46,,none,187.52,,,False,none,captive_agent,False,False,False,0.001792,0.006432,SOA_2015_VBT,SOA_Scale_MP2023,1.027,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00418,1.0,False,,,,0.04,0.0563,False,normal_rate,2.4,1.87,False,False,False,False,False,0.77,61.7,55.0,super_preferred_longevity,100.0,baseline,1.226,0.375,False,,False,,99812.48,2476.76,2131.44,2451.68,582.27,False,0,3.79,10.66
LI-2024-INS004-000343,2008-07-17,4,72,76,1936,female,former_smoker,32.8,67,209,MT,USA,married,graduate,professional,22005.35,0.411,limited_exam,162,99,242,37,6.54,105,5.0,False,56.2,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-412,2.25,universal_life,250000,monthly,3707.65,,10yr_declining,2567.38,,,False,none,independent_broker,False,False,False,0.044014,0.180751,SOA_2015_VBT,SOA_Scale_MP2023,2.397,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055018,0.005,False,,1.0,False,,,,0.08,0.0494,False,normal_rate,6.19,1.38,False,False,False,False,False,0.943,16.4,12.4,standard_longevity,37.3,baseline,1.192,0.317,False,,False,,247432.62,19612.96,17609.54,18389.94,9298.79,False,0,4.05,-17.69
LI-2024-INS004-000344,2012-04-14,4,38,42,1974,male,current_smoker,28.6,64,166,PA,USA,married,some_college,professional,139023.74,0.5169,accelerated_UW,138,87,174,49,3.55,112,,True,97.0,1.43,False,False,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,True,26,UW-442,1.75,whole_life,500000,annual,3084.8,,none,2102.26,,,False,none,independent_broker,True,False,False,0.005914,0.016395,SOA_2015_VBT,SOA_Scale_MP2023,1.818,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004435,0.018,False,,1.0,False,,,,0.04,0.0515,False,normal_rate,1.23,2.73,False,False,False,False,False,0.951,56.6,52.6,super_preferred_longevity,100.0,baseline,1.112,0.374,False,,False,,497897.74,23300.03,24832.69,24678.4,5861.12,False,0,1.4,-2.52
LI-2024-INS004-000345,2000-07-05,26,33,59,1967,male,former_smoker,25.5,72,188,SD,USA,single,some_college,light_blue_collar,38491.43,0.4114,full_paramedical,140,79,257,48,5.35,97,5.2,False,,5.21,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,52,UW-220,2.0,annuity_deferred,500000,semi_annual,5177.81,,none,9261.4,,,True,none,worksite,True,False,False,0.014579,0.053506,SOA_2015_VBT,SOA_Scale_MP2023,2.241,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014579,0.015,False,,1.0,False,,,,0.01,0.0137,False,normal_rate,3.65,1.13,False,False,False,False,False,0.777,56.9,30.1,preferred_longevity,63.8,baseline,1.191,0.467,False,,True,-0.504,490738.6,44773.04,39656.64,41422.48,9837.84,False,0,-0.35,-14.13
LI-2024-INS004-000346,2018-09-13,8,48,56,1970,non_binary,never_smoker,21.5,62,117,RI,USA,divorced,some_college,professional,46715.12,0.7723,full_paramedical,130,85,151,54,2.8,89,5.6,False,73.3,,False,False,True,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-389,2.25,group_life,500000,monthly,5186.29,,none,,,,False,none,independent_broker,False,False,False,0.007847,0.02652,SOA_2015_VBT,SOA_Scale_MP2023,2.313,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009808,0.018,False,,1.0,False,,,,0.12,0.1299,False,normal_rate,2.45,0.92,False,False,False,False,False,0.808,47.0,42.5,super_preferred_longevity,97.8,baseline,0.921,0.736,True,60.8,False,,500000.0,42915.51,41031.57,41490.32,9853.95,False,0,-3.98,-11.81
LI-2024-INS004-000347,2010-05-12,9,69,78,1941,male,current_smoker,26.3,73,199,TN,USA,married,bachelors,professional,130026.75,0.5039,non_med_guaranteed,128,81,213,42,5.07,115,,True,,4.29,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,29,UW-044,1.75,whole_life,2000000,annual,22264.64,,none,19118.71,,,True,excess_of_loss,captive_agent,False,False,False,0.096096,0.277482,SOA_2015_VBT,SOA_Scale_MP2023,1.905,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.072072,0.008,False,,1.0,False,,,,0.02,0.0259,False,normal_rate,4.1,2.55,False,False,False,False,False,0.946,16.8,8.6,sub_standard_longevity,33.0,baseline,1.122,0.645,True,65.1,False,,1980881.29,81204.1,66132.28,76590.36,62608.17,False,0,0.32,-5.62
LI-2024-INS004-000348,2007-01-09,7,39,46,1968,male,never_smoker,27.6,67,176,OH,USA,married,high_school,white_collar,25719.91,0.1607,accelerated_UW,134,84,194,39,4.97,105,4.8,False,,1.87,False,False,False,False,True,lymphoma,1.6,none,none,none,11,False,False,False,False,True,declined,,,False,False,True,True,45,UW-134,7.0,term_life,100000,monthly,2951.67,20.0,none,,,,False,none,bank,False,False,False,0.003943,0.05906,SOA_2015_VBT,SOA_Scale_MP2023,6.508,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023659,0.015,False,,1.0,False,,,,0.05,0.0786,False,normal_rate,3.68,2.1,False,False,False,False,False,0.884,50.0,43.0,preferred_longevity,79.4,baseline,1.379,0.097,False,,False,,100000.0,24291.77,20653.82,23613.36,5608.17,False,0,-5.0,-20.0
LI-2024-INS004-000349,2016-09-22,9,34,43,1982,female,former_smoker,26.5,67,168,PA,USA,married,bachelors,white_collar,73970.12,0.5668,limited_exam,122,72,172,55,3.13,95,5.6,False,98.2,,False,True,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-374,2.0,annuity_immediate,500000,monthly,4090.34,,none,,,,False,none,captive_agent,False,False,False,0.003298,0.011108,SOA_2015_VBT,SOA_Scale_MP2023,2.203,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003298,0.02,False,,1.0,False,,,,0.003,0.005,False,normal_rate,4.58,1.8,False,False,False,False,False,0.758,63.2,55.8,super_preferred_longevity,100.0,baseline,1.075,0.505,True,43.1,False,,500000.0,33678.69,31411.88,32722.72,7771.65,False,0,2.9,-10.63
LI-2024-INS004-000350,2005-10-07,6,80,86,1925,female,never_smoker,36.0,58,172,OK,USA,divorced,high_school,light_blue_collar,46533.81,0.3441,limited_exam,134,87,211,32,6.59,103,5.0,False,,,True,True,False,False,True,melanoma,12.0,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,47,UW-063,2.25,term_life,100000,monthly,1566.27,15.0,none,,,,False,none,captive_agent,False,False,False,0.057269,0.243635,SOA_2015_VBT,SOA_Scale_MP2023,2.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.071586,0.012,False,,1.0,False,,,,0.05,0.0712,False,normal_rate,1.77,2.1,False,False,False,False,False,0.964,7.1,1.3,sub_standard_longevity,19.6,baseline,1.242,0.457,True,74.2,False,,100000.0,801.61,814.64,814.46,5319.05,False,0,2.96,-20.0
LI-2024-INS004-000351,2020-03-07,3,38,41,1982,male,unknown,23.0,70,160,CT,USA,single,high_school,heavy_blue_collar,118845.6,0.6,full_paramedical,105,68,230,61,3.77,125,5.0,False,,1.32,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,standard_plus,1.4,,False,False,False,False,55,UW-154,0.94,indexed_ul,1000000,monthly,3426.13,,15yr_declining,2182.11,,,True,none,independent_broker,False,False,False,0.003176,0.007353,SOA_2015_VBT,SOA_Scale_MP2023,0.907,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00433,1.0,False,,,,0.08,0.0439,False,normal_rate,4.05,1.17,False,False,False,False,False,0.855,55.3,52.3,super_preferred_longevity,99.9,baseline,1.05,0.457,False,,False,,997817.89,27747.26,24364.7,27409.04,6509.65,False,0,6.01,18.41
LI-2024-INS004-000352,2006-05-18,13,27,40,1979,female,never_smoker,26.1,67,166,MO,USA,married,bachelors,white_collar,66907.45,0.1754,full_paramedical,105,66,194,48,4.04,90,5.0,False,101.2,,False,False,False,False,False,none,,none,none,none,14,False,False,False,False,False,preferred_plus,,,False,False,False,False,10,UW-065,0.62,term_life,100000,monthly,220.32,20.0,none,,,,False,none,independent_broker,False,False,False,0.002066,0.001849,SOA_2015_VBT,SOA_Scale_MP2023,0.654,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0468,False,normal_rate,2.39,1.26,False,False,False,False,False,0.985,68.0,55.0,super_preferred_longevity,97.6,baseline,1.368,0.164,False,,False,,100000.0,1787.81,1827.61,1762.56,418.61,False,0,3.93,24.33
LI-2024-INS004-000353,2014-06-11,6,50,56,1964,female,never_smoker,28.2,65,169,VA,USA,single,bachelors,white_collar,63610.82,0.3408,full_paramedical,163,94,171,57,3.0,67,5.1,False,107.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-039,2.0,whole_life,1000000,monthly,10433.85,,none,8305.59,,,True,none,independent_broker,False,False,False,0.00687,0.024687,SOA_2015_VBT,SOA_Scale_MP2023,2.084,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00687,0.015,False,,1.0,False,,,,0.02,0.0285,False,normal_rate,1.65,1.3,False,False,False,False,False,0.958,43.2,37.2,preferred_longevity,73.4,baseline,1.244,0.498,False,,False,,991694.41,89223.01,77079.76,83470.8,19824.31,False,0,3.32,-10.58
LI-2024-INS004-000354,2022-10-01,1,78,79,1944,male,never_smoker,30.3,70,211,AR,USA,married,high_school,white_collar,98659.56,0.4099,limited_exam,113,67,213,51,4.18,90,,False,75.2,6.99,False,True,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-368,2.0,whole_life,100000,annual,1514.41,,none,881.14,,,False,none,captive_agent,False,False,False,0.053691,0.188304,SOA_2015_VBT,SOA_Scale_MP2023,2.04,respiratory,True,2023-03-30,True,False,158939.82,0.0007,5e-05,1.095,0.053691,0.008,True,0.00399,1.0,False,,,,0.06,0.0823,False,normal_rate,4.82,0.5,False,False,False,False,False,0.857,7.9,6.9,sub_standard_longevity,29.0,baseline,1.193,0.446,False,,False,,99118.86,4310.96,3816.12,4179.77,4464.48,False,0,3.31,-7.46
LI-2024-INS004-000355,2023-01-24,2,41,43,1982,female,former_smoker,28.4,65,170,OR,USA,single,less_than_hs,professional,310596.2,0.6493,full_paramedical,130,85,228,30,7.6,96,4.6,False,80.5,,False,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-117,1.5,indexed_ul,250000,quarterly,1380.62,,10yr_declining,888.75,,,False,none,captive_agent,False,False,False,0.003298,0.006934,SOA_2015_VBT,SOA_Scale_MP2023,1.582,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001649,0.02,False,,1.0,False,,,,0.08,0.0425,False,normal_rate,2.7,1.53,False,False,False,False,False,0.951,59.5,55.0,super_preferred_longevity,100.0,baseline,1.013,0.597,False,,False,,249111.25,10252.49,10435.58,11044.96,2623.18,False,0,3.02,-0.64
LI-2024-INS004-000356,2017-02-07,2,75,77,1942,male,never_smoker,22.7,64,132,OK,USA,married,some_college,white_collar,75905.24,0.2518,full_paramedical,143,84,225,55,4.09,115,4.8,False,,4.04,False,False,False,False,False,none,,none,none,bipolar,13,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-223,2.0,term_life,500000,monthly,6556.62,15.0,none,,,,False,none,employer_group,False,False,False,0.044395,0.164771,SOA_2015_VBT,SOA_Scale_MP2023,2.068,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044395,0.008,False,,1.0,False,,,,0.07,0.1762,False,normal_rate,1.34,1.29,False,False,False,False,False,0.784,9.9,7.9,sub_standard_longevity,28.1,baseline,1.311,0.285,False,,False,,500000.0,22168.46,19293.01,20718.92,18804.39,False,0,0.14,-7.53
LI-2024-INS004-000357,2001-06-11,15,21,36,1980,female,former_smoker,20.9,69,141,MS,USA,married,some_college,professional,194989.95,0.719,full_paramedical,131,82,174,60,2.9,74,,False,110.0,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-260,0.84,annuity_deferred,100000,annual,289.31,,none,329.17,,,False,none,captive_agent,False,False,False,0.00209,0.001526,SOA_2015_VBT,SOA_Scale_MP2023,0.76,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.01,0.0112,False,normal_rate,3.24,2.29,False,False,False,False,False,0.794,70.0,55.0,super_preferred_longevity,100.0,baseline,0.961,0.617,False,,False,,99670.83,2406.43,2005.8,2314.48,549.69,False,0,3.1,14.45
LI-2024-INS004-000358,2000-02-22,6,26,32,1974,male,never_smoker,24.8,71,177,AR,USA,single,graduate,heavy_blue_collar,53107.8,0.2492,full_paramedical,117,81,223,38,5.87,81,4.9,False,88.7,,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_1,0.94,1.0,False,False,False,False,29,UW-253,1.25,term_life,500000,quarterly,1501.98,15.0,none,,,,True,quota_share,bank,False,False,False,0.001611,0.003071,SOA_2015_VBT,SOA_Scale_MP2023,1.261,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.018,False,,1.0,False,,,,0.05,0.075,False,normal_rate,2.79,2.57,False,False,False,False,False,0.93,64.5,55.0,super_preferred_longevity,98.7,baseline,1.313,0.024,False,,False,,500000.0,11333.9,10944.18,12015.84,2853.76,False,0,2.45,11.09
LI-2024-INS004-000359,2006-12-19,1,25,26,1981,male,never_smoker,32.8,61,173,NV,USA,single,bachelors,heavy_blue_collar,24866.4,0.3296,full_paramedical,107,62,207,42,4.93,85,5.1,False,,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,standard_plus,0.87,,False,False,False,False,21,UW-482,0.91,whole_life,1000000,quarterly,1929.4,,none,1127.93,,,True,facultative,direct_to_consumer,True,False,False,0.001229,0.001533,SOA_2015_VBT,SOA_Scale_MP2023,0.996,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.1207,False,normal_rate,2.82,1.7,False,False,False,False,False,0.822,67.1,55.0,super_preferred_longevity,99.9,baseline,1.253,0.293,False,,False,,998872.07,15935.96,14880.38,15435.2,3665.86,False,0,2.99,18.28
LI-2024-INS004-000360,2018-12-12,4,73,77,1945,male,never_smoker,25.7,74,200,HI,USA,married,less_than_hs,white_collar,45503.75,0.1343,full_paramedical,122,69,237,55,4.31,93,,True,80.5,1.72,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-399,2.0,term_life,1000000,annual,14251.82,20.0,none,,,,True,excess_of_loss,captive_agent,True,False,False,0.090956,0.375665,SOA_2015_VBT,SOA_Scale_MP2023,2.237,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.090956,0.008,False,,1.0,False,,,,0.07,0.1561,False,normal_rate,4.4,0.51,False,False,False,False,False,0.976,11.9,7.9,sub_standard_longevity,26.4,baseline,1.399,0.205,False,,False,,1000000.0,42720.69,39644.67,45035.75,40874.22,False,0,1.04,0.07
LI-2024-INS004-000361,2002-07-13,8,46,54,1956,female,never_smoker,20.3,58,96,UT,USA,married,graduate,white_collar,82604.09,0.5075,non_med_guaranteed,128,73,210,66,3.18,105,5.2,False,78.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,16,UW-344,1.0,indexed_ul,250000,monthly,974.74,,10yr_declining,822.5,,,False,none,worksite,False,False,False,0.005305,0.006437,SOA_2015_VBT,SOA_Scale_MP2023,1.084,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0349,False,normal_rate,2.17,2.77,False,False,False,False,False,0.797,46.4,38.4,preferred_longevity,77.7,baseline,1.119,0.573,False,,False,,249177.5,8190.83,6637.78,7797.92,1852.01,False,0,3.85,21.25
LI-2024-INS004-000362,2022-03-04,5,59,64,1963,female,never_smoker,21.0,63,118,ND,USA,married,some_college,heavy_blue_collar,250015.36,0.4426,limited_exam,134,78,244,40,6.1,73,5.7,False,85.1,,False,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,1.19,2.0,False,False,False,False,25,UW-354,1.5,term_life,500000,monthly,3514.0,10.0,none,,,,False,none,independent_broker,False,False,False,0.013352,0.041512,SOA_2015_VBT,SOA_Scale_MP2023,1.618,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006676,0.015,True,0.0096,1.0,False,,,,0.07,0.0942,False,normal_rate,0.26,1.87,False,False,False,False,False,0.819,37.4,32.4,preferred_longevity,77.7,baseline,1.168,0.477,False,,False,,500000.0,30356.54,28413.96,28112.0,6676.6,False,0,2.35,3.65
LI-2024-INS004-000363,2009-01-22,17,24,41,1985,male,current_smoker,25.5,75,203,AR,USA,single,high_school,professional,114192.07,0.706,full_paramedical,122,70,218,56,3.89,115,,True,,0.93,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-383,1.5,term_life,500000,monthly,2479.61,30.0,none,,,,False,none,captive_agent,True,False,False,0.005523,0.011803,SOA_2015_VBT,SOA_Scale_MP2023,1.687,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,False,,1.0,False,,,,0.03,0.0341,False,normal_rate,4.48,0.63,False,False,False,True,True,0.963,70.0,54.8,super_preferred_longevity,100.0,baseline,0.971,0.657,True,44.4,False,,500000.0,20697.56,18837.21,19836.88,4711.26,False,0,-1.1,3.53
LI-2024-INS004-000364,2004-12-04,12,33,45,1971,female,never_smoker,15.0,70,104,NC,USA,single,some_college,light_blue_collar,155805.26,0.1553,full_paramedical,122,78,153,60,2.55,70,,False,95.3,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,declined,,,False,False,True,False,27,UW-037,7.0,universal_life,1000000,annual,30169.45,,15yr_declining,29336.99,,,True,none,employer_group,False,False,False,0.00293,0.043715,SOA_2015_VBT,SOA_Scale_MP2023,6.448,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017579,0.018,False,,1.0,False,,,,0.04,0.034,False,normal_rate,3.37,2.89,False,False,False,False,False,0.819,60.7,56.1,super_preferred_longevity,99.0,baseline,1.384,0.224,True,77.2,False,,970663.01,263819.09,231277.18,241355.6,57321.95,False,0,-5.0,-20.0
LI-2024-INS004-000365,2019-07-13,3,28,31,1991,female,former_smoker,35.4,61,187,NE,USA,married,some_college,heavy_blue_collar,51295.41,0.9046,accelerated_UW,110,69,225,43,5.23,112,5.4,False,94.1,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,0.89,5.0,False,False,False,True,12,UW-298,2.25,term_life,1000000,quarterly,6120.19,15.0,none,,,,True,quota_share,bank,False,False,False,0.001593,0.005055,SOA_2015_VBT,SOA_Scale_MP2023,2.34,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001992,0.022,False,,1.0,False,,,,0.07,0.0683,False,normal_rate,2.89,1.54,True,False,False,False,False,0.784,70.0,55.0,super_preferred_longevity,100.0,baseline,0.822,0.92,False,,False,,1000000.0,45333.23,43271.64,48961.52,11628.36,False,0,-0.22,-5.39
LI-2024-INS004-000366,2003-02-10,5,79,84,1924,male,former_smoker,22.0,64,127,WV,USA,married,bachelors,heavy_blue_collar,73349.42,0.2361,non_med_guaranteed,131,79,170,70,2.43,94,5.8,False,64.9,4.63,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,0.74,1.0,False,False,False,False,29,UW-365,1.25,term_life,1000000,annual,8224.45,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.07754,0.155612,SOA_2015_VBT,SOA_Scale_MP2023,1.328,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019385,0.012,False,,1.0,False,,,,0.07,0.1481,False,normal_rate,3.82,2.94,False,False,False,False,False,0.801,5.0,0.9,sub_standard_longevity,17.4,baseline,1.323,0.112,True,14.3,False,,1000000.0,3108.78,2967.87,3289.78,28127.62,False,0,6.1,11.69
LI-2024-INS004-000367,2001-12-08,3,22,25,1979,female,never_smoker,21.7,68,142,MT,USA,single,graduate,white_collar,43905.31,0.8925,accelerated_UW,118,67,173,61,2.84,92,,False,97.4,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,13,UW-485,1.25,term_life,2000000,monthly,5346.48,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.000946,0.001399,SOA_2015_VBT,SOA_Scale_MP2023,1.479,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000237,0.018,False,,1.0,False,,,,0.07,0.0966,False,normal_rate,2.53,1.58,False,False,False,False,False,0.752,70.0,59.5,super_preferred_longevity,100.0,baseline,0.831,0.814,True,58.8,False,,2000000.0,38683.93,42324.8,42771.84,10158.31,False,0,4.36,15.7
LI-2024-INS004-000368,2010-10-10,3,50,53,1960,female,never_smoker,33.3,64,193,MA,USA,married,some_college,white_collar,22450.24,0.8295,full_paramedical,140,93,289,31,9.32,96,4.2,False,85.8,,False,False,False,False,True,leukemia,3.0,none,none,depression,15,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,50,UW-299,4.0,term_life,1000000,annual,17377.84,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.005054,0.041577,SOA_2015_VBT,SOA_Scale_MP2023,5.954,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015161,0.015,False,,1.0,False,,,,0.07,0.0725,False,normal_rate,2.71,2.14,False,False,False,False,False,0.933,44.5,41.5,super_preferred_longevity,87.2,baseline,0.878,0.625,False,,False,,1000000.0,125954.24,136120.39,139022.72,33017.9,False,0,0.41,-20.0
LI-2024-INS004-000369,2015-09-27,3,40,43,1975,male,never_smoker,24.2,71,173,NH,USA,single,graduate,light_blue_collar,85139.63,0.2646,limited_exam,117,67,176,49,3.59,100,,False,,1.2,False,False,False,False,False,none,,none,none,none,4,False,True,False,False,False,preferred_plus,,,False,False,False,False,19,UW-211,0.65,universal_life,2000000,annual,5125.39,,10yr_declining,3519.56,,,True,excess_of_loss,independent_broker,False,False,False,0.003171,0.002287,SOA_2015_VBT,SOA_Scale_MP2023,0.554,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.075,False,normal_rate,3.45,2.78,False,False,False,False,False,0.983,50.7,47.7,super_preferred_longevity,88.0,baseline,1.302,0.107,False,,False,,1996480.44,43588.7,41525.27,41003.12,9738.24,False,0,5.39,22.5
LI-2024-INS004-000370,2002-01-12,21,38,59,1964,female,unknown,21.7,58,104,GA,USA,married,bachelors,professional,22164.71,0.38,full_paramedical,128,83,236,58,4.07,80,5.5,False,,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,standard_plus,,,False,False,False,False,31,UW-319,1.0,term_life,1000000,monthly,4801.32,20.0,none,,,,True,none,bank,False,False,False,0.010163,0.01136,SOA_2015_VBT,SOA_Scale_MP2023,0.92,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0419,False,normal_rate,1.98,0.82,False,False,False,False,False,0.787,55.3,34.3,preferred_longevity,69.6,baseline,1.215,0.534,False,,False,,1000000.0,39815.51,39636.2,38410.56,9122.51,False,0,4.1,16.59
LI-2024-INS004-000371,2004-11-23,15,67,82,1937,male,never_smoker,32.1,76,263,ID,USA,single,some_college,light_blue_collar,36163.32,0.9896,accelerated_UW,135,78,193,44,4.39,103,5.5,False,71.9,4.86,False,True,False,False,False,none,,none,none,anxiety,4,False,False,False,True,True,standard_plus,,,False,False,False,True,45,UW-196,1.0,term_life,100000,semi_annual,668.42,15.0,none,,,,False,none,bank,False,False,False,0.071612,0.053236,SOA_2015_VBT,SOA_Scale_MP2023,0.981,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0272,False,normal_rate,3.67,2.9,False,False,False,False,False,0.941,19.9,4.9,sub_standard_longevity,34.7,baseline,0.758,0.981,False,,False,,100000.0,1344.23,1355.44,1310.1,2077.45,False,0,4.12,22.55
LI-2024-INS004-000372,2017-05-25,8,43,51,1974,male,never_smoker,26.0,68,171,IN,USA,widowed,graduate,professional,68846.48,0.3198,accelerated_UW,125,70,168,53,3.17,85,4.5,False,71.2,1.17,False,False,False,False,False,none,,none,none,none,14,False,False,False,False,False,preferred_plus,,,False,False,False,True,15,UW-030,0.65,term_life,1000000,annual,3176.88,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.005801,0.005073,SOA_2015_VBT,SOA_Scale_MP2023,0.694,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0722,False,normal_rate,4.07,2.5,False,False,False,False,False,0.776,47.8,39.8,preferred_longevity,77.0,baseline,1.26,0.25,False,,False,,1000000.0,26348.66,24102.49,25415.04,6036.07,False,0,5.13,24.36
LI-2024-INS004-000373,2007-01-16,11,60,71,1947,male,never_smoker,30.4,69,205,TN,USA,married,high_school,light_blue_collar,25244.76,0.5645,full_paramedical,152,93,156,34,4.59,95,4.7,False,,4.76,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-129,1.5,whole_life,1000000,monthly,10062.42,,none,9698.33,,,True,excess_of_loss,employer_group,True,False,False,0.027365,0.058199,SOA_2015_VBT,SOA_Scale_MP2023,1.511,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013682,0.008,False,,1.0,False,,,,0.015,0.0225,False,normal_rate,4.32,0.73,False,False,False,False,True,0.796,26.9,18.3,standard_longevity,48.4,baseline,1.077,0.638,True,76.4,False,,990301.67,74351.08,67878.57,73656.91,20487.09,False,0,2.58,6.98
LI-2024-INS004-000374,2015-01-26,1,26,27,1989,male,never_smoker,25.6,65,153,CA,USA,married,bachelors,light_blue_collar,70825.76,0.6303,limited_exam,115,77,211,41,5.15,117,,False,113.4,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-038,1.25,term_life,500000,monthly,1247.36,20.0,none,,,,False,none,bank,False,False,False,0.001279,0.002134,SOA_2015_VBT,SOA_Scale_MP2023,1.381,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00032,0.02,False,,1.0,False,,,,0.1,0.1196,False,normal_rate,3.58,2.24,False,False,False,True,False,0.984,68.5,55.0,super_preferred_longevity,100.0,baseline,1.027,0.55,False,,False,,500000.0,9684.34,10159.82,9978.88,2369.98,False,0,0.91,11.9
LI-2024-INS004-000375,2020-11-19,6,75,81,1945,female,never_smoker,37.8,67,241,WY,USA,married,some_college,professional,229852.7,0.2581,non_med_guaranteed,153,99,249,71,3.51,95,6.5,False,64.8,,True,True,False,False,False,none,,type_2,none,anxiety,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,51,UW-234,1.5,universal_life,250000,annual,2192.02,,15yr_declining,1772.09,,,False,none,independent_broker,False,False,False,0.051495,0.144561,SOA_2015_VBT,SOA_Scale_MP2023,1.748,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025748,0.008,True,0.00122,1.0,False,,,,0.06,0.0403,False,normal_rate,2.54,1.62,False,False,False,False,False,0.857,14.4,8.4,sub_standard_longevity,29.0,baseline,1.306,0.324,False,,False,,248227.91,6925.2,7572.19,7365.19,6199.03,False,0,2.91,1.87
LI-2024-INS004-000376,2001-05-28,2,39,41,1962,male,never_smoker,24.8,70,172,NM,USA,single,bachelors,light_blue_collar,40542.83,0.2978,full_paramedical,112,68,154,63,2.44,94,,False,90.5,3.67,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,16,UW-346,0.66,term_life,250000,monthly,625.63,30.0,none,,,,False,none,bank,False,False,False,0.002639,0.001934,SOA_2015_VBT,SOA_Scale_MP2023,0.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.1433,False,normal_rate,4.48,2.81,False,False,False,False,False,0.981,49.7,47.7,super_preferred_longevity,88.5,baseline,1.277,0.278,False,,False,,250000.0,4766.53,5156.32,5005.04,1188.7,False,0,7.51,26.07
LI-2024-INS004-000377,2023-04-10,3,63,66,1960,female,former_smoker,16.3,62,90,MT,USA,married,bachelors,light_blue_collar,83357.43,0.7932,full_paramedical,124,77,132,47,2.81,63,,False,86.9,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-088,1.25,term_life,100000,monthly,677.19,20.0,none,,,,False,none,worksite,False,False,False,0.019724,0.030174,SOA_2015_VBT,SOA_Scale_MP2023,1.414,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004931,0.015,False,,1.0,False,,,,0.07,0.0746,False,normal_rate,3.24,1.81,False,False,False,False,False,0.893,31.4,32.4,preferred_longevity,73.0,baseline,0.905,0.768,True,74.9,False,,100000.0,4884.41,5573.78,5417.52,1286.66,False,0,3.02,12.62
LI-2024-INS004-000378,2004-01-23,4,29,33,1975,female,former_smoker,20.7,65,124,ND,USA,married,high_school,white_collar,20000.0,0.5508,full_paramedical,101,52,168,61,2.75,96,6.1,False,82.6,,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,14,UW-055,0.81,term_life,250000,monthly,555.15,25.0,none,,,,False,none,bank,False,False,False,0.001766,0.001581,SOA_2015_VBT,SOA_Scale_MP2023,0.824,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0882,False,normal_rate,3.16,2.6,False,False,False,False,False,0.986,66.9,55.0,super_preferred_longevity,100.0,baseline,1.087,0.674,False,,False,,250000.0,4816.66,4316.39,4441.2,1054.78,False,0,2.07,19.36
LI-2024-INS004-000379,2008-12-12,10,53,63,1955,male,current_smoker,15.0,72,110,CO,USA,single,graduate,white_collar,228272.32,0.4969,full_paramedical,117,64,209,46,4.54,69,4.4,True,,3.77,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,declined,,,False,False,True,False,3,UW-155,7.0,term_life,500000,monthly,18545.47,20.0,none,,,,False,none,employer_group,False,False,False,0.027974,0.398433,SOA_2015_VBT,SOA_Scale_MP2023,7.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.167844,0.012,False,,1.0,False,,,,0.05,0.0781,False,normal_rate,3.29,2.97,False,False,False,True,False,0.99,35.2,25.2,standard_longevity,57.8,baseline,1.127,0.597,False,,False,,500000.0,141852.96,148460.59,148363.76,35236.39,False,0,-5.0,-20.0
LI-2024-INS004-000380,2004-11-03,22,59,81,1945,female,never_smoker,44.4,62,242,KY,USA,single,less_than_hs,professional,54773.71,0.7365,full_paramedical,153,88,223,32,6.97,118,5.9,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-082,2.0,term_life,250000,annual,3522.15,30.0,none,,,,True,none,worksite,False,False,False,0.051495,0.158266,SOA_2015_VBT,SOA_Scale_MP2023,2.188,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051495,0.008,False,,1.0,False,,,,0.03,0.0333,False,normal_rate,4.05,1.05,False,False,False,False,False,0.864,32.3,11.7,standard_longevity,41.1,baseline,0.948,0.559,True,73.6,False,,250000.0,17045.18,15421.37,16483.66,9030.79,False,0,0.98,-7.42
LI-2024-INS004-000381,2000-08-28,5,45,50,1955,female,never_smoker,24.5,63,138,MA,USA,single,bachelors,light_blue_collar,38099.32,0.8989,simplified_issue,154,98,206,57,3.61,126,4.8,False,,,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-298,1.5,indexed_ul,1000000,annual,7051.09,,10yr_declining,5255.9,,,True,facultative,employer_group,False,False,False,0.0038,0.006968,SOA_2015_VBT,SOA_Scale_MP2023,1.615,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0019,0.012,False,,1.0,False,,,,0.08,0.0424,False,normal_rate,2.59,2.79,False,False,False,False,False,0.911,48.8,43.8,super_preferred_longevity,91.7,baseline,0.826,1.0,False,,False,,994744.1,51913.96,58296.66,56408.72,13397.07,False,0,0.97,8.81
LI-2024-INS004-000382,2022-08-11,3,70,73,1952,male,never_smoker,27.5,65,165,AR,USA,married,bachelors,heavy_blue_collar,118201.87,0.8246,simplified_issue,158,98,256,57,4.49,98,,False,49.7,4.92,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,0.89,2.0,False,False,False,False,12,UW-365,1.5,term_life,500000,quarterly,5186.56,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.03219,0.066045,SOA_2015_VBT,SOA_Scale_MP2023,1.69,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016095,0.012,True,0.00199,1.0,False,,,,0.07,0.102,False,normal_rate,1.91,0.71,False,False,False,False,False,0.888,19.1,16.7,standard_longevity,49.9,baseline,0.882,0.891,False,,True,0.409,500000.0,36010.51,36257.41,34646.22,11223.72,False,0,1.59,2.7
LI-2024-INS004-000383,2023-10-02,1,60,61,1963,male,never_smoker,20.1,75,160,AZ,USA,married,graduate,white_collar,29171.87,0.8053,full_paramedical,127,78,180,54,3.33,87,4.9,False,61.8,9.24,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-128,2.0,term_life,500000,semi_annual,4920.09,15.0,none,,,,True,quota_share,independent_broker,False,False,False,0.012898,0.037134,SOA_2015_VBT,SOA_Scale_MP2023,2.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012898,0.015,False,,1.0,False,,,,0.1,0.1056,False,normal_rate,3.53,2.62,False,False,False,False,False,0.822,30.9,29.9,preferred_longevity,69.4,baseline,0.896,0.738,False,,False,,500000.0,41851.89,35049.59,39360.72,9348.17,False,0,1.53,-9.33
LI-2024-INS004-000384,2009-08-27,10,19,29,1990,female,never_smoker,29.3,66,181,MI,USA,single,some_college,white_collar,30602.14,0.6723,full_paramedical,115,74,168,42,4.0,91,5.2,False,,,False,False,False,False,False,none,,none,none,bipolar,9,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,47,UW-486,2.0,indexed_ul,1000000,semi_annual,4752.45,,10yr_declining,4357.63,,,True,quota_share,employer_group,False,False,False,0.001115,0.003455,SOA_2015_VBT,SOA_Scale_MP2023,2.107,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001115,0.022,False,,1.0,False,,,,0.06,0.0377,False,normal_rate,5.95,1.5,False,False,False,True,False,0.789,70.0,55.0,super_preferred_longevity,100.0,baseline,0.996,0.626,False,,True,0.422,995642.37,37022.62,37830.47,38019.6,9029.66,False,0,2.08,-7.09
LI-2024-INS004-000385,2018-05-04,6,22,28,1996,female,unknown,21.6,70,150,AZ,USA,single,some_college,white_collar,44963.56,0.6626,full_paramedical,105,72,220,42,5.24,71,6.2,False,117.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,24,UW-133,1.0,universal_life,100000,semi_annual,246.54,,15yr_declining,197.97,,,False,none,employer_group,False,False,False,0.001227,0.001241,SOA_2015_VBT,SOA_Scale_MP2023,1.008,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0379,False,normal_rate,3.46,1.06,False,False,False,False,False,0.793,70.0,55.0,super_preferred_longevity,100.0,baseline,1.003,0.734,False,,False,,99802.03,1834.98,2051.12,1972.32,468.43,False,0,2.51,20.52
LI-2024-INS004-000386,2002-06-24,17,36,53,1966,female,former_smoker,37.4,69,253,GA,USA,divorced,some_college,white_collar,26186.82,0.5865,non_med_guaranteed,123,75,173,39,4.44,124,5.1,False,79.7,,False,False,False,True,False,none,,none,none,none,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,30,UW-292,2.5,group_life,2000000,monthly,22246.19,,none,,,,True,quota_share,independent_broker,False,False,False,0.007086,0.02949,SOA_2015_VBT,SOA_Scale_MP2023,2.511,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010629,0.015,False,,1.0,False,,,,0.1,0.1231,False,normal_rate,2.99,1.2,False,False,False,False,False,0.824,58.4,41.4,super_preferred_longevity,83.4,baseline,1.06,0.683,False,,False,,2000000.0,175668.18,155876.43,177969.52,42267.76,False,0,2.42,-13.61
LI-2024-INS004-000387,2005-02-20,14,27,41,1978,female,never_smoker,18.1,61,95,MD,USA,married,less_than_hs,professional,142417.22,0.1726,full_paramedical,111,73,149,69,2.16,66,,False,81.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,22,UW-305,2.25,annuity_deferred,250000,annual,2042.78,,none,2266.47,,,False,none,captive_agent,False,False,False,0.002209,0.009882,SOA_2015_VBT,SOA_Scale_MP2023,2.352,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.018,False,,1.0,False,,,,0.01,0.0156,False,normal_rate,5.42,2.22,False,True,False,False,False,0.798,67.8,55.3,super_preferred_longevity,98.0,baseline,1.371,0.242,True,42.1,False,,247733.53,17152.8,15653.39,16342.24,3881.28,False,0,1.01,-15.8
LI-2024-INS004-000388,2012-04-28,1,24,25,1988,male,never_smoker,24.2,65,145,ND,USA,divorced,some_college,professional,110859.4,0.4509,limited_exam,117,73,194,45,4.31,122,,False,91.7,,False,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,30,UW-257,0.59,universal_life,500000,monthly,670.76,,10yr_declining,439.05,,,False,none,independent_broker,True,False,False,0.001183,0.000798,SOA_2015_VBT,SOA_Scale_MP2023,0.581,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.12,0.0723,False,normal_rate,3.46,2.57,False,False,False,False,False,0.75,69.6,55.1,super_preferred_longevity,100.0,baseline,1.162,0.446,True,33.7,False,,499560.95,5156.48,5395.03,5366.08,1274.44,False,0,6.65,35.51
LI-2024-INS004-000389,2002-04-05,17,60,77,1942,female,never_smoker,35.4,61,187,GA,USA,single,some_college,light_blue_collar,61055.92,0.4925,full_paramedical,163,89,194,57,3.4,102,4.9,False,56.5,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-217,2.0,universal_life,1000000,annual,14139.13,,10yr_declining,17004.49,,,True,facultative,captive_agent,False,False,False,0.035516,0.116791,SOA_2015_VBT,SOA_Scale_MP2023,2.024,cancer,True,2005-02-12,False,False,778283.38,0.0007,5e-05,1.095,0.035516,0.008,False,,1.0,False,,,,0.04,0.0522,False,normal_rate,2.83,0.78,False,False,False,False,False,0.915,29.9,12.9,standard_longevity,39.2,baseline,1.131,0.443,False,,False,,982995.51,73556.42,66375.77,72957.91,34895.37,False,0,3.49,-7.3
LI-2024-INS004-000390,2005-12-22,5,19,24,1986,female,never_smoker,24.8,69,168,MT,USA,married,bachelors,hazardous,145891.41,0.8219,limited_exam,111,67,191,48,3.98,77,4.9,False,99.7,,False,False,False,False,False,none,,none,none,depression,11,False,False,False,False,False,substandard_table_1,2.52,1.0,True,False,False,False,12,UW-454,1.25,term_life,2000000,quarterly,4706.09,10.0,none,,,,True,facultative,bank,False,False,False,0.000913,0.001326,SOA_2015_VBT,SOA_Scale_MP2023,1.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000228,0.02,False,,1.0,False,,,,0.07,0.073,False,normal_rate,4.36,2.05,False,False,False,False,False,0.814,70.0,55.0,super_preferred_longevity,100.0,baseline,0.884,0.799,False,,False,,2000000.0,36195.43,37119.5,37648.72,8941.57,False,0,4.55,17.16
LI-2024-INS004-000391,2011-11-20,10,72,82,1939,male,never_smoker,36.3,76,298,RI,USA,divorced,bachelors,professional,176797.96,0.6431,full_paramedical,155,109,155,41,3.78,124,9.0,False,99.8,7.73,False,False,False,False,False,none,,type_2,none,bipolar,7,False,True,False,False,True,substandard_table_5,,5.0,False,False,False,False,32,UW-086,2.25,universal_life,500000,annual,7515.42,,10yr_declining,6505.9,5269.78,0.81,False,none,captive_agent,False,False,False,0.072333,0.261416,SOA_2015_VBT,SOA_Scale_MP2023,2.323,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.090416,0.005,False,,1.0,False,,,,0.06,0.0192,False,normal_rate,2.98,0.55,False,False,False,False,False,0.889,13.8,3.8,sub_standard_longevity,27.8,baseline,1.018,0.674,False,,False,,493494.1,10519.56,10215.84,11423.44,24019.28,False,0,-1.31,-16.61
LI-2024-INS004-000392,2017-10-18,1,30,31,1987,male,never_smoker,29.3,67,186,WV,USA,married,bachelors,light_blue_collar,20104.83,0.3561,full_paramedical,140,77,173,26,6.65,88,5.5,False,,,False,True,True,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,6,UW-304,1.5,group_life,1000000,annual,3745.17,,none,,,,True,coinsurance,independent_broker,False,False,False,0.001532,0.003921,SOA_2015_VBT,SOA_Scale_MP2023,1.67,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000766,0.02,False,,1.0,False,,,,0.18,0.2547,False,normal_rate,1.54,2.56,False,False,False,False,False,0.94,66.1,55.0,super_preferred_longevity,100.0,baseline,1.233,0.412,False,,False,,1000000.0,29654.71,25777.47,29961.36,7115.82,False,0,4.04,-3.29
LI-2024-INS004-000393,2023-01-21,4,25,29,1998,male,former_smoker,33.7,61,178,SD,USA,married,some_college,professional,20033.96,0.4852,accelerated_UW,90,62,207,43,4.81,118,5.9,False,,,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,14,UW-085,1.25,term_life,100000,annual,328.7,15.0,none,,,,False,none,independent_broker,False,False,False,0.001812,0.003449,SOA_2015_VBT,SOA_Scale_MP2023,1.455,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000453,0.022,False,,1.0,False,,,,0.07,0.0918,False,normal_rate,5.43,0.95,False,False,False,False,False,0.915,70.0,55.0,super_preferred_longevity,100.0,baseline,1.136,0.509,False,,False,,100000.0,2479.95,2569.23,2629.6,624.53,False,0,2.23,7.87
LI-2024-INS004-000394,2014-01-09,5,49,54,1965,male,never_smoker,26.4,69,178,MA,USA,married,high_school,light_blue_collar,216316.06,0.1419,full_paramedical,144,93,246,59,4.17,129,5.4,False,81.1,2.9,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,15,UW-066,1.0,universal_life,2000000,annual,10187.9,,15yr_declining,7326.23,,,True,excess_of_loss,independent_broker,False,False,False,0.007392,0.011064,SOA_2015_VBT,SOA_Scale_MP2023,1.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.08,False,normal_rate,4.99,1.86,False,False,False,False,False,0.896,39.5,34.5,preferred_longevity,66.4,baseline,1.394,0.082,False,,False,,1992673.77,82385.78,72064.63,81503.2,19357.01,False,0,-0.25,10.7
LI-2024-INS004-000395,2009-03-22,12,71,83,1938,male,former_smoker,26.3,63,148,NC,USA,married,some_college,white_collar,21770.95,0.6139,full_paramedical,149,104,193,38,5.08,78,,False,,20.0,False,False,False,False,True,lymphoma,4.3,none,none,none,1,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,56,UW-375,4.0,universal_life,1000000,monthly,24797.49,,10yr_declining,24662.26,,,True,facultative,captive_agent,False,False,False,0.101971,0.867538,SOA_2015_VBT,SOA_Scale_MP2023,5.298,cardiovascular,True,2013-10-12,False,False,925014.99,0.0007,5e-05,1.095,0.305914,0.005,False,,1.0,False,,,,0.04,0.0484,False,normal_rate,2.66,1.82,False,False,False,True,False,0.9,14.6,2.7,sub_standard_longevity,25.8,baseline,1.04,0.488,True,50.5,False,,975337.74,28524.74,25555.59,26781.29,81434.96,False,0,-2.59,-20.0
LI-2024-INS004-000396,2005-07-02,16,50,66,1955,female,former_smoker,34.0,70,236,CA,USA,married,high_school,heavy_blue_collar,68885.17,0.239,full_paramedical,154,89,257,41,6.27,133,5.1,False,66.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,1.31,2.0,False,False,False,False,4,UW-052,1.5,whole_life,2000000,monthly,15948.85,,none,19116.91,,,True,quota_share,direct_to_consumer,True,False,False,0.018853,0.051658,SOA_2015_VBT,SOA_Scale_MP2023,1.696,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009427,0.012,False,,1.0,False,,,,0.015,0.0317,False,normal_rate,4.32,2.97,False,False,False,False,False,0.948,41.2,26.4,standard_longevity,55.7,baseline,1.321,0.074,True,49.0,False,,1980883.09,121388.68,118048.81,127590.8,30302.81,False,0,1.73,3.08
LI-2024-INS004-000397,2008-06-02,19,57,76,1951,female,former_smoker,31.2,69,211,AR,USA,married,bachelors,professional,64411.08,0.7576,accelerated_UW,149,81,205,40,5.12,104,5.4,False,73.2,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,19,UW-398,2.0,whole_life,1000000,monthly,14370.07,,none,18795.26,,,True,quota_share,independent_broker,False,False,False,0.042986,0.125857,SOA_2015_VBT,SOA_Scale_MP2023,2.069,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042986,0.012,False,,1.0,False,,,,0.015,0.0164,False,normal_rate,0.53,1.93,False,False,False,False,False,0.768,35.6,16.6,standard_longevity,48.8,baseline,0.932,0.761,False,,False,,981204.74,97179.35,84523.47,95417.26,31211.79,False,0,2.12,-11.66
LI-2024-INS004-000398,2023-10-15,1,64,65,1959,female,never_smoker,30.6,66,189,RI,USA,divorced,some_college,professional,95962.37,0.0795,full_paramedical,144,84,240,44,5.45,73,,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-054,1.25,term_life,1000000,quarterly,6259.34,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.013956,0.030587,SOA_2015_VBT,SOA_Scale_MP2023,1.348,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003489,0.012,False,,1.0,False,,,,0.1,0.2291,False,normal_rate,2.57,1.73,False,False,False,False,False,0.949,27.1,26.1,standard_longevity,52.8,baseline,1.44,0.051,False,,False,,1000000.0,53955.59,42790.49,50074.72,11892.75,False,0,0.62,4.26
LI-2024-INS004-000399,2021-12-19,2,58,60,1963,female,never_smoker,38.9,67,248,MA,USA,single,graduate,professional,58825.51,0.3117,full_paramedical,140,93,173,35,4.94,128,4.9,False,,,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-011,2.0,universal_life,250000,monthly,2574.48,,10yr_declining,1789.41,,,False,none,bank,False,False,False,0.009475,0.039357,SOA_2015_VBT,SOA_Scale_MP2023,2.032,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009475,0.015,True,0.0055,1.0,False,,,,0.08,0.0522,False,normal_rate,3.07,1.37,False,False,False,False,False,0.775,34.9,32.9,preferred_longevity,66.5,baseline,1.266,0.385,False,,False,,248210.59,19887.71,19710.27,20595.84,4891.51,False,0,1.59,-12.23
LI-2024-INS004-000400,2016-12-04,5,20,25,1996,male,former_smoker,31.3,69,211,NJ,USA,single,high_school,professional,20000.0,0.884,non_med_guaranteed,145,87,194,56,3.46,95,,False,103.4,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-317,2.25,term_life,100000,monthly,448.44,20.0,none,,,,False,none,captive_agent,False,False,False,0.001538,0.004931,SOA_2015_VBT,SOA_Scale_MP2023,2.338,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001922,0.022,False,,1.0,False,,,,0.07,0.0695,False,normal_rate,3.67,0.71,False,False,False,False,False,0.947,70.0,55.0,super_preferred_longevity,100.0,baseline,0.837,0.891,False,,False,,100000.0,3636.38,3305.59,3587.52,852.04,False,0,-0.69,-6.92
LI-2024-INS004-000401,2003-02-13,8,36,44,1967,male,current_smoker,17.9,61,94,NC,USA,divorced,some_college,light_blue_collar,67877.4,0.4161,simplified_issue,145,87,152,54,2.81,86,,True,,1.11,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,5,UW-018,2.75,group_life,1000000,monthly,10734.83,,none,,,,True,quota_share,independent_broker,False,False,False,0.006811,0.035554,SOA_2015_VBT,SOA_Scale_MP2023,2.921,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01192,0.015,False,,1.0,False,,,,0.12,0.1641,False,normal_rate,5.37,2.57,False,False,False,False,False,0.873,56.9,47.4,super_preferred_longevity,99.8,baseline,1.188,0.25,True,22.5,False,,1000000.0,86912.9,73017.84,85878.64,20396.18,False,0,4.12,-18.31
LI-2024-INS004-000402,2006-01-09,16,27,43,1979,male,never_smoker,21.3,76,175,KY,USA,married,bachelors,heavy_blue_collar,59457.2,0.394,non_med_guaranteed,139,92,219,53,4.13,109,5.5,False,93.3,1.42,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,1.13,1.0,False,False,False,False,3,UW-292,1.25,term_life,500000,monthly,2114.45,25.0,none,,,,False,none,independent_broker,False,False,False,0.003171,0.006228,SOA_2015_VBT,SOA_Scale_MP2023,1.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000793,0.018,False,,1.0,False,,,,0.03,0.0415,False,normal_rate,3.19,2.58,False,False,False,False,False,0.972,64.9,48.9,super_preferred_longevity,91.8,baseline,1.204,0.422,False,,False,,500000.0,16885.02,15912.55,16915.6,4017.45,False,0,1.01,7.17
LI-2024-INS004-000403,2000-11-14,18,69,87,1931,female,unknown,31.8,70,221,MO,USA,divorced,bachelors,professional,41986.97,0.6083,full_paramedical,144,89,175,32,5.47,105,4.9,False,79.2,,False,False,False,True,False,none,,none,none,anxiety,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,43,UW-110,2.5,whole_life,1000000,monthly,18006.43,,none,23540.73,,,True,excess_of_loss,worksite,False,True,False,0.09796,0.415649,SOA_2015_VBT,SOA_Scale_MP2023,2.628,infectious,True,2015-02-27,False,False,411363.37,0.0007,5e-05,1.095,0.14694,0.005,False,,1.0,False,,,,0.015,0.0182,False,normal_rate,4.66,1.16,False,False,False,False,False,0.974,19.5,1.5,sub_standard_longevity,23.9,baseline,1.044,0.652,False,,False,,976459.27,10091.64,11062.92,10803.86,60861.73,False,0,0.99,-17.03
LI-2024-INS004-000404,2019-01-24,6,59,65,1960,male,never_smoker,25.2,68,165,CA,USA,single,bachelors,light_blue_collar,64020.56,0.6602,full_paramedical,139,90,211,52,4.06,80,5.6,False,85.3,6.05,False,False,True,False,False,none,,none,none,depression,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-074,1.25,universal_life,500000,quarterly,3378.98,,10yr_declining,2530.58,,,False,none,employer_group,False,False,False,0.017391,0.02897,SOA_2015_VBT,SOA_Scale_MP2023,1.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004348,0.015,False,,1.0,False,,,,0.06,0.038,False,normal_rate,3.7,0.7,False,False,False,False,False,0.911,33.8,29.5,preferred_longevity,76.7,baseline,1.005,0.595,True,52.1,False,,497469.42,25761.42,27789.13,27031.84,6420.06,False,0,3.16,16.53
LI-2024-INS004-000405,2006-03-14,4,24,28,1982,female,never_smoker,29.0,58,138,MO,USA,married,high_school,professional,30717.35,0.2684,simplified_issue,130,79,242,42,5.76,84,,True,,,False,True,False,False,False,none,,none,none,none,10,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,43,UW-101,1.25,whole_life,500000,semi_annual,1273.09,,none,907.49,,,False,none,captive_agent,True,False,False,0.002134,0.004497,SOA_2015_VBT,SOA_Scale_MP2023,1.43,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.02,False,,1.0,False,,,,0.04,0.0832,False,normal_rate,5.52,1.04,False,False,False,False,True,0.801,70.0,55.0,super_preferred_longevity,99.0,baseline,1.299,0.235,False,,False,,499092.51,9515.92,8847.52,10184.72,2418.87,False,0,2.96,9.57
LI-2024-INS004-000406,2012-10-02,9,65,74,1947,male,never_smoker,27.5,72,202,ID,USA,single,bachelors,white_collar,28058.78,0.2457,full_paramedical,135,95,219,59,3.71,78,,False,70.2,4.79,True,False,False,False,False,none,,none,none,none,4,True,False,False,True,True,substandard_table_2,2.73,2.0,True,False,False,False,24,UW-389,1.5,term_life,2000000,semi_annual,16685.94,30.0,none,,,,True,none,captive_agent,False,False,False,0.035567,0.088587,SOA_2015_VBT,SOA_Scale_MP2023,1.513,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017784,0.008,False,,1.0,False,,,,0.05,0.0752,False,normal_rate,3.42,0.71,False,False,False,False,False,0.862,20.7,10.5,sub_standard_longevity,31.9,baseline,1.316,0.14,False,,True,-0.825,2000000.0,66879.61,69967.53,70080.95,44384.6,False,0,4.74,0.6
LI-2024-INS004-000407,2015-03-13,1,57,58,1958,male,never_smoker,23.9,71,171,IA,USA,divorced,some_college,white_collar,39658.04,0.4812,full_paramedical,139,94,175,43,4.07,85,,False,71.9,3.17,False,False,False,False,True,other,5.4,none,none,none,1,False,False,False,False,True,substandard_table_3,,3.0,False,False,False,False,40,UW-298,1.75,group_life,100000,quarterly,927.0,,none,,,,False,none,captive_agent,False,False,False,0.009472,0.027786,SOA_2015_VBT,SOA_Scale_MP2023,1.917,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007104,0.012,False,,1.0,False,,,,0.18,0.2367,False,normal_rate,1.16,1.7,False,False,False,False,False,1.0,31.6,30.6,preferred_longevity,65.6,baseline,1.139,0.388,False,,False,,100000.0,6862.62,6991.22,7416.0,1761.3,False,0,2.71,4.07
LI-2024-INS004-000408,2000-09-17,10,35,45,1965,male,never_smoker,17.5,67,112,TX,USA,married,high_school,white_collar,99534.87,0.4743,accelerated_UW,134,74,176,88,2.0,95,6.1,False,104.2,1.91,False,False,False,False,False,none,,none,none,none,11,False,False,False,True,True,preferred,,,False,False,False,True,28,UW-277,0.82,term_life,500000,quarterly,1749.32,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.003662,0.003281,SOA_2015_VBT,SOA_Scale_MP2023,0.783,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.066,False,normal_rate,3.86,0.92,False,False,False,False,False,0.84,54.8,44.8,super_preferred_longevity,86.8,baseline,1.144,0.447,False,,False,,500000.0,14673.42,14319.85,13994.56,3323.71,False,0,6.28,20.44
LI-2024-INS004-000409,2010-01-07,7,66,73,1944,male,never_smoker,27.4,76,225,ME,USA,married,graduate,white_collar,228468.09,0.4738,simplified_issue,125,69,195,63,3.1,82,5.5,False,48.7,12.06,False,True,False,True,False,none,,none,none,none,5,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,46,UW-072,2.5,universal_life,250000,monthly,3785.14,,15yr_declining,2982.8,,,False,none,direct_to_consumer,False,False,False,0.031815,0.144482,SOA_2015_VBT,SOA_Scale_MP2023,2.657,respiratory,True,2010-02-13,True,False,1770848.07,0.0007,5e-05,1.095,0.047722,0.008,False,,1.0,False,,,,0.06,0.0499,False,normal_rate,1.98,2.67,False,False,False,False,False,0.954,20.1,13.1,standard_longevity,39.3,baseline,1.145,0.504,False,,False,,247017.2,18051.69,20513.88,19834.13,9281.16,False,0,-1.88,-20.0
LI-2024-INS004-000410,2018-09-09,4,61,65,1957,male,never_smoker,38.2,63,215,KS,USA,widowed,high_school,light_blue_collar,32606.33,0.6039,full_paramedical,153,105,217,29,7.48,100,8.1,False,78.2,2.9,True,False,False,False,False,none,,type_2,none,bipolar,4,True,False,False,False,True,substandard_table_5,4.41,5.0,True,False,False,False,26,UW-105,2.25,term_life,250000,semi_annual,2658.8,20.0,none,,,,False,none,captive_agent,False,False,False,0.017029,0.064366,SOA_2015_VBT,SOA_Scale_MP2023,2.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021287,0.012,False,,1.0,False,,,,0.07,0.0852,False,normal_rate,1.21,1.58,False,False,False,False,False,0.953,27.9,27.7,preferred_longevity,63.1,baseline,1.047,0.618,True,79.1,False,,250000.0,22892.2,21147.11,21270.4,5051.72,False,0,2.8,-10.92
LI-2024-INS004-000411,2022-09-03,5,62,67,1960,male,never_smoker,32.2,67,205,RI,USA,divorced,high_school,white_collar,45537.1,0.6094,full_paramedical,140,98,214,58,3.69,91,6.7,False,115.8,5.5,False,False,False,True,False,none,,type_2,none,none,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,31,UW-233,2.5,term_life,250000,monthly,3110.17,15.0,none,,,,False,none,independent_broker,False,False,False,0.020687,0.090071,SOA_2015_VBT,SOA_Scale_MP2023,2.54,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03103,0.015,True,0.00424,1.0,False,,,,0.07,0.0849,False,normal_rate,5.14,2.07,False,False,False,False,False,0.779,27.6,21.7,standard_longevity,54.2,baseline,1.043,0.667,False,,True,-0.63,250000.0,25705.22,25589.26,24881.36,5909.32,False,0,0.13,-19.06
LI-2024-INS004-000412,2001-01-15,6,56,62,1945,male,never_smoker,23.3,73,176,CO,USA,single,high_school,professional,226949.45,0.4336,full_paramedical,106,72,239,54,4.43,88,,False,,12.85,False,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,preferred_plus,,,False,False,False,False,10,UW-490,0.63,indexed_ul,2000000,monthly,7337.24,,15yr_declining,5805.6,,,True,quota_share,captive_agent,False,False,False,0.012333,0.009606,SOA_2015_VBT,SOA_Scale_MP2023,0.663,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0365,False,normal_rate,1.38,1.25,False,False,False,False,False,0.936,30.1,24.1,standard_longevity,55.2,baseline,1.175,0.357,False,,False,,1994194.4,52908.47,55753.87,58697.92,13940.76,False,0,2.45,32.46
LI-2024-INS004-000413,2020-04-24,4,37,41,1983,female,never_smoker,15.0,63,90,NE,USA,single,graduate,white_collar,90301.38,0.3526,full_paramedical,99,52,189,48,3.94,83,5.7,False,,,False,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,declined,,,False,False,True,False,7,UW-439,7.0,term_life,5000000,quarterly,124721.06,30.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.002209,0.036716,SOA_2015_VBT,SOA_Scale_MP2023,7.566,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013254,0.02,True,0.00281,1.0,False,,,,0.07,0.0993,False,normal_rate,3.43,1.68,False,False,False,False,False,0.994,59.5,55.0,super_preferred_longevity,100.0,baseline,1.236,0.201,False,,False,,5000000.0,970151.37,855386.8,997768.48,236970.01,False,0,-4.97,-20.0
LI-2024-INS004-000414,2003-09-10,19,50,69,1953,male,never_smoker,42.9,64,249,MA,USA,divorced,bachelors,professional,64404.23,0.6244,non_med_guaranteed,145,94,226,50,4.52,110,5.0,False,81.2,2.28,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-497,2.0,term_life,1000000,annual,12065.01,25.0,none,,,,True,none,bank,False,False,False,0.022974,0.075025,SOA_2015_VBT,SOA_Scale_MP2023,2.196,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022974,0.012,False,,1.0,False,,,,0.03,0.036,False,normal_rate,4.73,0.87,False,False,False,False,False,0.822,38.4,19.4,standard_longevity,51.0,baseline,1.032,0.729,False,,False,,1000000.0,90579.12,90567.82,93624.48,23502.64,False,0,-0.14,-9.79
LI-2024-INS004-000415,2016-03-24,9,22,31,1994,female,never_smoker,31.0,64,180,MT,USA,married,graduate,white_collar,48940.51,0.6766,non_med_guaranteed,122,69,239,42,5.69,70,,False,82.4,,False,False,True,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-160,1.25,universal_life,2000000,monthly,6368.42,,15yr_declining,5739.1,,,True,excess_of_loss,captive_agent,False,False,False,0.001226,0.002042,SOA_2015_VBT,SOA_Scale_MP2023,1.427,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000306,0.022,False,,1.0,False,,,,0.06,0.0313,False,normal_rate,3.93,1.0,False,False,False,False,False,0.952,70.0,55.0,super_preferred_longevity,100.0,baseline,0.993,0.634,False,,False,,1994260.9,55613.8,44122.27,50947.36,12100.0,False,0,4.9,15.65
LI-2024-INS004-000416,2001-01-07,16,37,53,1964,female,never_smoker,26.3,70,183,WV,USA,single,bachelors,light_blue_collar,22266.03,0.5641,accelerated_UW,126,64,213,70,3.04,89,5.1,False,87.0,,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,21,UW-332,2.25,term_life,5000000,monthly,50426.77,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.005369,0.020096,SOA_2015_VBT,SOA_Scale_MP2023,2.315,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006711,0.015,False,,1.0,False,,,,0.03,0.0375,False,normal_rate,3.07,0.91,False,False,False,False,False,0.936,57.1,45.8,super_preferred_longevity,89.7,baseline,1.077,0.647,True,67.5,False,,5000000.0,433043.18,378696.21,403414.16,95810.86,False,0,1.05,-18.79
LI-2024-INS004-000417,2015-03-25,10,47,57,1968,female,current_smoker,15.5,65,92,NE,USA,single,less_than_hs,professional,54233.03,0.6596,full_paramedical,145,93,191,61,3.13,60,5.4,True,,,False,False,False,False,False,none,,none,none,anxiety,10,False,False,False,False,False,declined,,,False,False,True,False,10,UW-021,7.0,whole_life,500000,monthly,18497.44,,none,17784.57,,,False,none,independent_broker,False,False,False,0.015163,0.192775,SOA_2015_VBT,SOA_Scale_MP2023,6.678,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.090979,0.015,False,,1.0,False,,,,0.02,0.0234,False,normal_rate,2.7,0.54,False,False,False,False,False,0.991,48.0,38.0,preferred_longevity,79.4,baseline,1.005,0.435,False,,False,,482215.43,137175.64,151718.64,147979.52,35145.14,False,0,-5.0,-20.0
LI-2024-INS004-000418,2005-02-13,2,55,57,1950,female,never_smoker,23.6,68,155,OK,USA,married,some_college,light_blue_collar,40167.37,0.4838,full_paramedical,112,72,259,51,5.08,60,,False,89.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-029,1.25,universal_life,1000000,monthly,6659.85,,10yr_declining,4423.48,,,True,coinsurance,independent_broker,False,False,False,0.006326,0.010832,SOA_2015_VBT,SOA_Scale_MP2023,1.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001581,0.012,False,,1.0,False,,,,0.08,0.0473,False,normal_rate,4.23,2.42,False,False,False,False,False,0.966,36.4,34.4,preferred_longevity,71.4,baseline,1.137,0.499,False,,False,,995576.52,55354.95,51893.58,53278.8,12653.72,False,0,3.44,9.44
LI-2024-INS004-000419,2018-03-10,5,52,57,1966,female,never_smoker,33.4,58,159,CT,USA,married,bachelors,white_collar,55344.41,0.4823,limited_exam,159,93,183,49,3.73,84,4.7,False,56.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-480,1.5,universal_life,500000,annual,3395.91,,10yr_declining,2684.5,,,True,facultative,independent_broker,False,False,False,0.007582,0.017236,SOA_2015_VBT,SOA_Scale_MP2023,1.558,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003791,0.015,False,,1.0,False,,,,0.08,0.0473,False,normal_rate,3.04,2.52,False,False,False,False,False,0.941,42.0,41.2,super_preferred_longevity,81.5,baseline,1.138,0.478,True,67.2,False,,497315.5,27448.78,24836.06,27167.28,6452.23,False,0,5.2,8.54
LI-2024-INS004-000420,2003-03-18,3,67,70,1936,female,former_smoker,33.8,63,190,FL,USA,single,some_college,light_blue_collar,87239.1,0.7947,full_paramedical,144,100,181,34,5.32,114,5.3,False,90.8,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,14,UW-396,1.5,term_life,1000000,annual,7652.43,20.0,none,,,,True,none,captive_agent,False,False,False,0.026059,0.052722,SOA_2015_VBT,SOA_Scale_MP2023,1.685,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013029,0.005,False,,1.0,False,,,,0.07,0.0745,False,normal_rate,3.48,1.16,False,False,False,False,False,0.774,23.0,20.0,standard_longevity,54.4,baseline,0.904,0.781,False,,False,,1000000.0,63234.53,52785.87,61219.44,14539.62,False,0,5.0,5.76
LI-2024-INS004-000421,2010-05-08,1,51,52,1959,female,former_smoker,22.9,62,125,MD,USA,married,some_college,heavy_blue_collar,33526.01,0.5388,full_paramedical,109,67,246,58,4.24,81,4.6,False,,,False,False,True,True,False,none,,none,none,bipolar,1,False,False,False,False,True,substandard_table_6,1.5,6.0,False,False,False,False,34,UW-070,2.5,term_life,1000000,quarterly,10005.45,20.0,none,,,,True,none,captive_agent,False,False,False,0.006079,0.026519,SOA_2015_VBT,SOA_Scale_MP2023,2.612,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009118,0.012,False,,1.0,False,,,,0.1,0.1269,False,normal_rate,0.92,1.5,False,False,False,False,False,0.959,45.0,44.0,super_preferred_longevity,96.6,baseline,1.096,0.536,False,,False,,1000000.0,80508.07,79595.93,80043.6,19010.36,False,0,-2.36,-20.0
LI-2024-INS004-000422,2019-01-14,1,75,76,1944,female,never_smoker,34.5,72,254,MT,USA,married,high_school,white_collar,102109.0,0.3887,simplified_issue,130,85,243,46,5.28,93,8.5,False,62.9,,False,False,False,False,True,melanoma,2.5,type_2,none,none,5,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,39,UW-378,2.25,term_life,500000,monthly,7182.39,25.0,none,,,,False,none,captive_agent,False,False,False,0.033077,0.131365,SOA_2015_VBT,SOA_Scale_MP2023,2.252,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041346,0.008,False,,1.0,False,,,,0.1,0.1389,False,normal_rate,3.38,0.57,False,False,False,False,False,0.959,14.8,13.4,standard_longevity,38.4,baseline,1.208,0.283,True,23.5,False,,500000.0,36265.19,35821.57,38497.61,17438.84,False,0,1.51,-10.16
LI-2024-INS004-000423,2014-12-07,1,29,30,1985,female,never_smoker,27.3,68,179,CT,USA,single,high_school,professional,39843.91,0.817,full_paramedical,108,63,186,50,3.72,96,4.0,False,85.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,4,UW-192,1.0,term_life,250000,annual,644.15,20.0,none,,,,False,none,captive_agent,False,False,False,0.001168,0.001093,SOA_2015_VBT,SOA_Scale_MP2023,1.055,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.1,0.1046,False,normal_rate,3.03,1.92,False,False,False,False,False,0.957,69.6,55.0,super_preferred_longevity,100.0,baseline,0.887,0.927,False,,False,,250000.0,5337.28,4657.09,5153.2,1223.88,False,0,8.38,23.21
LI-2024-INS004-000424,2001-07-18,3,19,22,1982,male,former_smoker,32.1,60,164,CO,USA,married,high_school,heavy_blue_collar,35783.85,0.635,full_paramedical,110,72,203,52,3.9,83,6.0,False,114.6,,True,False,False,True,True,lung,1.5,pre_diabetes,none,anxiety,1,False,False,False,False,True,declined,,,False,False,True,False,37,UW-003,7.0,whole_life,2000000,semi_annual,22416.32,,none,14306.07,,,True,none,direct_to_consumer,False,False,False,0.001388,0.018113,SOA_2015_VBT,SOA_Scale_MP2023,6.887,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008327,0.02,False,,1.0,False,,,,0.04,0.0668,False,normal_rate,4.35,2.35,False,False,False,False,False,0.79,70.0,55.4,super_preferred_longevity,100.0,baseline,1.024,0.612,True,35.6,False,,1985693.93,167859.94,183318.12,179330.56,42591.01,False,0,-5.0,-20.0
LI-2024-INS004-000425,2018-02-27,4,42,46,1976,male,never_smoker,36.0,73,272,NV,USA,married,some_college,professional,45769.56,0.8788,non_med_guaranteed,133,83,257,26,9.88,96,4.9,False,68.9,0.5,False,False,True,False,False,none,,none,none,anxiety,7,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,3,UW-215,1.75,universal_life,5000000,monthly,36259.17,,15yr_declining,27493.08,2969.25,0.108,True,none,employer_group,False,False,False,0.003943,0.009009,SOA_2015_VBT,SOA_Scale_MP2023,1.825,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.018,False,,1.0,False,,,,0.08,0.0258,False,normal_rate,2.08,2.76,False,False,False,False,False,0.893,54.4,50.4,super_preferred_longevity,100.0,baseline,0.841,1.0,False,,False,,4972506.92,262955.82,261590.94,290073.36,68892.42,False,0,3.52,-6.26
LI-2024-INS004-000426,2001-10-08,6,29,35,1972,male,never_smoker,22.9,66,141,HI,USA,single,high_school,professional,179479.64,0.5144,non_med_guaranteed,106,59,179,54,3.31,90,,False,101.5,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,9,UW-387,0.63,universal_life,250000,monthly,418.36,,10yr_declining,327.6,,,False,none,independent_broker,True,False,False,0.001896,0.001228,SOA_2015_VBT,SOA_Scale_MP2023,0.581,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0348,False,normal_rate,1.08,0.81,False,False,False,False,False,0.945,62.3,55.0,super_preferred_longevity,100.0,baseline,1.114,0.472,False,,False,,249672.4,3601.04,2883.36,3346.88,794.88,False,0,4.02,29.87
LI-2024-INS004-000427,2024-10-13,3,38,41,1986,female,never_smoker,19.5,58,93,KS,USA,widowed,some_college,professional,20000.0,0.5199,accelerated_UW,107,77,182,50,3.64,93,,False,82.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,True,10,UW-370,0.57,whole_life,2000000,semi_annual,4324.35,,none,3024.07,,,True,excess_of_loss,captive_agent,False,False,False,0.002209,0.001525,SOA_2015_VBT,SOA_Scale_MP2023,0.622,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0514,False,normal_rate,2.87,2.73,False,False,False,False,False,0.935,59.6,55.0,super_preferred_longevity,100.0,baseline,1.11,0.46,False,,True,0.41,1996975.93,35086.61,30501.12,34594.8,8216.27,False,0,4.04,34.88
LI-2024-INS004-000428,2017-05-11,3,73,76,1944,male,never_smoker,30.9,63,174,VT,USA,single,some_college,professional,191852.17,0.9168,full_paramedical,145,95,253,36,7.03,86,,False,,3.61,False,False,False,False,True,melanoma,3.4,none,none,depression,5,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,32,UW-441,1.5,term_life,5000000,monthly,44272.13,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.041346,0.07922,SOA_2015_VBT,SOA_Scale_MP2023,1.743,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020673,0.008,False,,1.0,False,,,,0.07,0.0947,False,normal_rate,3.14,2.82,True,False,False,False,False,0.894,14.9,10.8,standard_longevity,42.5,baseline,0.812,0.829,False,,True,-0.727,5000000.0,190976.72,177186.98,191255.6,116701.33,False,0,-0.17,10.17
LI-2024-INS004-000429,2006-04-25,19,28,47,1978,female,never_smoker,26.6,63,150,SC,USA,divorced,high_school,professional,78165.56,0.6679,non_med_guaranteed,116,78,196,38,5.16,91,5.8,False,88.5,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-407,2.0,whole_life,500000,monthly,3577.9,,none,4804.55,,,False,none,independent_broker,False,False,False,0.003401,0.01079,SOA_2015_VBT,SOA_Scale_MP2023,2.175,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003401,0.018,False,,1.0,False,,,,0.015,0.0175,False,normal_rate,3.52,1.3,False,False,False,False,False,0.752,68.8,49.8,super_preferred_longevity,97.2,baseline,0.999,0.513,False,,False,,495195.45,26749.03,29307.73,28623.2,6798.01,False,0,4.65,-0.36
LI-2024-INS004-000430,2003-09-06,24,40,64,1963,female,former_smoker,23.3,64,135,MD,USA,married,bachelors,professional,63266.73,0.7699,limited_exam,129,77,209,54,3.87,62,,False,87.0,,True,False,True,False,False,none,,none,none,none,4,False,True,False,False,False,preferred,,,False,False,False,False,16,UW-205,0.79,term_life,2000000,annual,9290.17,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.017358,0.012075,SOA_2015_VBT,SOA_Scale_MP2023,0.754,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0325,False,normal_rate,3.66,2.29,False,False,False,False,False,0.885,57.7,33.7,super_preferred_longevity,84.6,baseline,0.923,0.841,False,,False,,2000000.0,70540.04,74514.83,74321.36,17651.32,False,0,2.66,24.85
LI-2024-INS004-000431,2005-03-06,15,37,52,1968,male,former_smoker,30.8,67,196,AL,USA,married,some_college,white_collar,81517.15,0.364,full_paramedical,140,86,223,56,3.98,91,,False,84.6,2.35,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,9,UW-363,2.0,whole_life,2000000,quarterly,15027.53,,none,17248.39,,,True,none,bank,True,False,False,0.00817,0.0292,SOA_2015_VBT,SOA_Scale_MP2023,2.098,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00817,0.015,False,,1.0,False,,,,0.015,0.0211,False,normal_rate,0.91,1.0,False,True,False,False,False,0.859,52.9,37.9,preferred_longevity,74.8,baseline,1.227,0.301,False,,False,,1982751.61,115005.43,104426.99,120220.24,28552.31,False,0,-1.3,-2.89
LI-2024-INS004-000432,2004-04-23,13,24,37,1980,male,former_smoker,31.9,69,216,WV,USA,single,high_school,professional,148330.83,0.8611,limited_exam,143,89,179,64,2.8,110,4.8,False,95.6,,False,False,False,False,False,none,,none,none,schizophrenia,19,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-415,2.25,term_life,500000,quarterly,3508.09,20.0,none,,,,False,none,independent_broker,False,False,False,0.002774,0.009286,SOA_2015_VBT,SOA_Scale_MP2023,2.455,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003468,0.02,False,,1.0,False,,,,0.03,0.0303,False,normal_rate,3.86,0.96,False,False,False,False,False,0.874,70.0,63.0,super_preferred_longevity,100.0,baseline,0.854,0.759,True,75.8,False,,500000.0,29588.61,24291.53,28064.72,6665.37,False,0,-0.88,-11.27
LI-2024-INS004-000433,2007-05-12,11,45,56,1962,female,never_smoker,25.9,64,150,NH,USA,married,graduate,white_collar,134884.85,0.6117,full_paramedical,120,69,207,32,6.47,103,,False,84.3,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-305,1.5,term_life,500000,quarterly,3916.72,20.0,none,,,,False,none,independent_broker,False,False,False,0.006666,0.013764,SOA_2015_VBT,SOA_Scale_MP2023,1.503,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003333,0.015,False,,1.0,False,,,,0.03,0.0363,False,normal_rate,3.27,0.54,False,False,False,False,False,0.826,48.9,37.3,preferred_longevity,77.6,baseline,1.041,0.58,True,28.2,False,,500000.0,29841.33,29311.74,31333.76,7441.77,False,0,-1.17,6.97
LI-2024-INS004-000434,2020-11-14,1,65,66,1955,male,never_smoker,22.9,76,188,IN,USA,married,some_college,professional,34755.36,0.4484,full_paramedical,135,94,258,35,7.37,100,,False,74.9,4.19,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-189,2.25,universal_life,2000000,semi_annual,22005.05,,10yr_declining,13736.59,,,True,none,employer_group,False,False,False,0.018128,0.078575,SOA_2015_VBT,SOA_Scale_MP2023,2.491,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02266,0.012,True,0.00337,1.0,True,2025-05-24,non_payment,1.0,0.12,0.0869,False,normal_rate,2.87,1.64,False,False,True,False,False,0.834,23.0,22.0,standard_longevity,52.2,baseline,1.164,0.499,False,,False,,1986263.41,184944.48,164717.65,176040.4,41809.6,False,0,-0.97,-9.47
LI-2024-INS004-000435,2001-04-23,15,33,48,1968,male,never_smoker,32.9,76,270,AK,USA,married,bachelors,professional,126083.49,0.7489,limited_exam,118,70,239,47,5.09,116,5.8,False,74.0,6.93,False,False,False,False,False,none,,pre_diabetes,none,none,11,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,43,UW-332,1.25,whole_life,500000,semi_annual,2521.71,,none,2801.2,,,False,none,bank,False,False,False,0.004587,0.007358,SOA_2015_VBT,SOA_Scale_MP2023,1.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001147,0.015,False,,1.0,False,,,,0.015,0.0165,False,normal_rate,3.17,1.79,False,False,False,False,False,0.95,58.4,43.4,super_preferred_longevity,88.8,baseline,0.938,0.713,False,,False,,497198.8,18253.43,20552.28,20173.68,4791.25,False,0,2.1,13.49
LI-2024-INS004-000436,2020-06-28,7,19,26,2001,female,never_smoker,31.6,60,161,DE,USA,married,high_school,professional,43641.91,0.5871,non_med_guaranteed,113,68,262,44,5.95,106,5.4,False,85.0,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-459,2.25,indexed_ul,500000,quarterly,2768.34,,15yr_declining,2318.83,,,False,none,worksite,True,False,False,0.000983,0.005905,SOA_2015_VBT,SOA_Scale_MP2023,2.483,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001229,0.012,True,0.00209,1.0,False,,,,0.06,0.0332,False,normal_rate,3.6,1.55,False,False,False,False,False,0.979,70.0,52.9,super_preferred_longevity,100.0,baseline,1.06,0.646,True,19.8,False,,497681.17,21985.72,20851.32,22146.72,5259.85,False,0,-1.06,-20.0
LI-2024-INS004-000437,2000-09-14,27,70,97,1930,male,never_smoker,36.2,72,266,HI,USA,single,bachelors,white_collar,34567.62,0.3864,non_med_guaranteed,162,103,201,37,5.43,148,5.0,False,97.3,20.0,False,True,False,True,False,none,,none,none,bipolar,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-092,2.5,term_life,500000,semi_annual,9282.47,20.0,none,,,,False,none,worksite,False,False,False,0.237935,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.507,infectious,True,2025-11-21,False,False,569110.21,0.0007,5e-05,1.095,0.356903,0.005,False,,1.0,False,,,,0.03,0.0417,False,normal_rate,4.12,2.24,False,False,False,False,False,0.868,13.4,1.0,sub_standard_longevity,19.8,baseline,1.21,0.328,False,,False,,500000.0,3879.84,3238.95,3712.99,31746.05,False,0,-2.14,-18.81
LI-2024-INS004-000438,2000-07-21,21,42,63,1958,male,never_smoker,26.2,63,147,TN,USA,married,graduate,white_collar,167454.31,0.8581,non_med_guaranteed,146,94,204,53,3.85,107,4.7,False,66.3,1.06,True,True,False,False,False,none,,none,none,none,2,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-212,1.5,universal_life,100000,annual,879.95,,10yr_declining,1258.22,,,False,none,worksite,False,False,False,0.014503,0.027745,SOA_2015_VBT,SOA_Scale_MP2023,1.65,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007251,0.012,False,,1.0,False,,,,0.04,0.0405,False,normal_rate,2.84,0.91,False,False,False,False,False,0.832,48.1,27.1,preferred_longevity,66.0,baseline,0.856,0.839,False,,False,,98741.78,7508.33,7169.76,7039.6,1671.91,False,0,2.24,9.0
LI-2024-INS004-000439,2000-11-28,15,19,34,1981,male,never_smoker,30.7,70,213,ID,USA,married,some_college,hazardous,38119.82,0.3292,full_paramedical,109,75,225,52,4.33,106,,False,,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,3.83,,True,False,False,False,9,UW-345,0.98,group_life,250000,semi_annual,653.6,,none,,,,False,none,captive_agent,False,False,False,0.001792,0.002228,SOA_2015_VBT,SOA_Scale_MP2023,0.992,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.1,0.1437,False,normal_rate,3.7,2.69,False,False,False,False,False,0.786,70.0,57.6,super_preferred_longevity,100.0,baseline,1.253,0.329,True,48.2,False,,250000.0,5553.52,5417.5,5228.8,1241.84,False,0,2.63,16.04
LI-2024-INS004-000440,2005-11-12,14,31,45,1974,female,never_smoker,24.2,72,178,IA,USA,married,high_school,professional,87042.53,0.596,full_paramedical,107,74,191,59,3.24,78,,False,89.2,,False,True,False,False,False,none,,none,none,none,10,False,False,False,False,False,preferred,,,False,False,False,False,5,UW-359,0.79,whole_life,500000,monthly,1436.45,,none,1519.22,,,False,none,captive_agent,False,False,False,0.00293,0.002468,SOA_2015_VBT,SOA_Scale_MP2023,0.8,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0183,False,normal_rate,3.04,1.38,False,False,False,False,False,0.853,64.9,50.9,super_preferred_longevity,97.8,baseline,1.053,0.546,False,,False,,498480.78,10977.8,11404.95,11491.6,2729.25,False,0,4.59,30.14
LI-2024-INS004-000441,2006-03-08,2,45,47,1961,male,former_smoker,20.2,76,165,PA,USA,single,some_college,white_collar,96342.71,0.741,full_paramedical,87,50,200,71,2.82,68,,False,76.3,1.88,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred,,,False,False,False,False,24,UW-457,0.76,term_life,1000000,monthly,3334.55,20.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.005202,0.003969,SOA_2015_VBT,SOA_Scale_MP2023,0.808,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.1085,False,normal_rate,2.91,1.3,False,False,False,False,False,0.903,45.3,43.3,super_preferred_longevity,88.6,baseline,0.944,0.782,False,,False,,1000000.0,26484.28,25318.21,26676.4,6335.65,False,0,6.22,22.16
LI-2024-INS004-000442,2011-07-01,4,37,41,1974,male,never_smoker,31.9,61,168,KY,USA,divorced,bachelors,white_collar,130699.84,0.5262,full_paramedical,140,85,168,60,2.8,133,7.8,False,,1.48,True,True,True,False,False,none,,type_2,none,none,5,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,29,UW-431,2.25,universal_life,1000000,monthly,6791.09,,15yr_declining,4660.65,,,True,facultative,direct_to_consumer,False,False,False,0.002761,0.010676,SOA_2015_VBT,SOA_Scale_MP2023,2.367,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003452,0.018,False,,1.0,False,,,,0.08,0.0645,False,normal_rate,3.04,1.01,False,False,False,False,False,0.898,57.6,63.4,super_preferred_longevity,100.0,baseline,1.105,0.478,True,84.8,False,,995339.35,54802.08,47617.99,54328.72,12903.07,False,0,-0.39,-15.89
LI-2024-INS004-000443,2017-07-21,7,38,45,1979,male,current_smoker,25.3,64,147,AL,USA,married,graduate,white_collar,25575.08,0.6018,full_paramedical,112,74,207,52,3.98,111,4.8,True,,0.99,False,False,False,False,False,none,,none,none,anxiety,2,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,48,UW-472,1.5,annuity_deferred,1000000,monthly,5911.44,,none,4818.57,,,True,none,independent_broker,True,False,False,0.007324,0.016374,SOA_2015_VBT,SOA_Scale_MP2023,1.655,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.018,False,,1.0,False,,,,0.02,0.0244,False,normal_rate,2.39,2.84,False,False,False,True,False,0.991,54.7,47.7,super_preferred_longevity,93.1,baseline,1.049,0.551,False,,False,,995181.43,48725.75,47126.38,47291.52,11231.74,False,0,6.28,6.02
LI-2024-INS004-000444,2009-01-10,10,33,43,1976,female,never_smoker,29.3,60,150,CA,USA,married,some_college,white_collar,30558.02,0.7085,full_paramedical,129,83,243,48,5.06,121,5.6,False,80.0,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,27,UW-427,1.25,universal_life,1000000,annual,4640.93,,10yr_declining,4373.29,,,True,none,captive_agent,True,False,False,0.002537,0.004298,SOA_2015_VBT,SOA_Scale_MP2023,1.491,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000634,0.018,False,,1.0,False,,,,0.06,0.0306,False,normal_rate,6.15,1.62,False,True,False,False,False,0.854,63.7,53.7,super_preferred_longevity,100.0,baseline,0.969,0.795,False,,False,,995626.71,36711.1,38677.65,37127.44,8817.77,False,0,2.03,21.13
LI-2024-INS004-000445,2004-04-11,1,22,23,1982,female,never_smoker,28.3,63,159,WI,USA,married,bachelors,professional,113542.11,0.3963,full_paramedical,123,83,197,58,3.4,94,4.9,False,87.1,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-380,0.76,term_life,1000000,quarterly,1634.11,10.0,none,,,,True,none,independent_broker,False,False,False,0.000882,0.000832,SOA_2015_VBT,SOA_Scale_MP2023,0.784,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,True,2025-09-16,non_payment,1.0,0.1,0.1383,False,normal_rate,3.05,0.51,False,False,False,False,False,0.885,70.0,55.0,super_preferred_longevity,100.0,baseline,1.203,0.531,False,,False,,1000000.0,12599.47,11927.06,13072.88,3104.81,False,0,2.5,20.24
LI-2024-INS004-000446,2000-04-20,26,77,103,1923,female,never_smoker,39.7,59,196,AK,USA,married,bachelors,light_blue_collar,130911.66,0.8802,full_paramedical,146,98,168,41,4.1,90,4.9,False,51.6,,False,False,False,False,False,none,,none,none,schizophrenia,0,True,False,False,False,False,substandard_table_5,2.47,5.0,True,False,False,False,5,UW-498,2.25,group_life,250000,monthly,4779.61,,none,,,,False,none,independent_broker,False,False,False,0.210512,0.691698,SOA_2015_VBT,SOA_Scale_MP2023,2.424,cardiovascular,True,2009-04-12,False,False,1732043.56,0.0007,5e-05,1.095,0.263139,0.012,False,,1.0,False,,,,0.1,0.0996,False,normal_rate,3.0,1.76,False,False,False,False,False,0.901,11.9,1.0,sub_standard_longevity,27.2,baseline,0.84,1.0,False,,False,,250000.0,1736.93,1900.31,1911.84,16346.27,False,0,2.57,-4.56
LI-2024-INS004-000447,2015-01-20,1,28,29,1987,female,current_smoker,26.2,67,167,CO,USA,married,bachelors,light_blue_collar,293110.31,0.6629,full_paramedical,115,70,152,61,2.49,107,5.5,True,87.9,,True,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-410,1.5,term_life,250000,quarterly,938.03,15.0,none,,,,False,none,bank,False,False,False,0.00223,0.004497,SOA_2015_VBT,SOA_Scale_MP2023,1.512,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001115,0.02,False,,1.0,False,,,,0.1,0.117,False,normal_rate,2.65,2.0,False,True,False,False,False,0.932,70.0,55.0,super_preferred_longevity,100.0,baseline,1.003,0.61,False,,False,,250000.0,7821.17,6823.25,7504.24,1782.26,False,0,0.68,3.22
LI-2024-INS004-000448,2001-09-22,22,75,97,1926,female,former_smoker,25.4,72,187,NH,USA,married,high_school,professional,97809.55,0.4997,full_paramedical,140,82,218,60,3.63,96,5.4,False,76.8,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-187,1.25,term_life,100000,quarterly,894.44,25.0,none,,,,True,quota_share,employer_group,False,False,False,0.184164,0.334914,SOA_2015_VBT,SOA_Scale_MP2023,1.394,cardiovascular,True,2022-01-24,False,False,632361.85,0.0007,5e-05,1.095,0.046041,0.012,False,,1.0,False,,,,0.03,0.0468,False,normal_rate,2.44,0.6,False,False,False,False,False,0.772,15.9,2.8,sub_standard_longevity,34.2,baseline,1.125,0.592,True,56.8,True,1.164,100000.0,1048.04,1029.24,1001.77,2930.19,False,0,2.28,11.88
LI-2024-INS004-000449,2020-07-09,1,71,72,1949,female,never_smoker,33.2,58,158,PA,USA,single,high_school,heavy_blue_collar,102719.37,0.6801,limited_exam,139,92,238,59,4.03,91,5.7,False,,,False,False,False,False,True,breast,3.9,none,none,none,0,False,False,False,False,True,substandard_table_4,1.15,4.0,False,False,False,False,26,UW-026,2.0,universal_life,500000,monthly,5258.3,,15yr_declining,3310.91,,,False,none,bank,False,False,False,0.024278,0.078032,SOA_2015_VBT,SOA_Scale_MP2023,2.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024278,0.008,True,0.00456,1.0,False,,,,0.12,0.0624,False,normal_rate,1.12,2.88,False,False,False,False,False,0.806,20.7,19.7,standard_longevity,52.3,baseline,0.99,0.653,False,,False,,496689.09,43038.83,42891.68,41435.4,10116.97,False,0,0.46,-3.8
LI-2024-INS004-000450,2002-02-18,21,19,40,1983,female,current_smoker,22.2,67,141,SD,USA,married,high_school,white_collar,117817.82,0.6924,limited_exam,119,89,229,66,3.47,94,5.3,True,61.2,,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,10,UW-497,2.75,indexed_ul,250000,annual,2257.2,,10yr_declining,3221.08,,,True,quota_share,direct_to_consumer,False,False,False,0.004132,0.018761,SOA_2015_VBT,SOA_Scale_MP2023,2.845,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007231,0.02,False,,1.0,False,,,,0.04,0.0642,False,normal_rate,2.69,1.38,False,False,False,False,False,0.767,70.0,49.0,super_preferred_longevity,100.0,baseline,0.981,0.476,False,,False,,246778.92,19700.45,17808.03,18057.6,4288.68,False,0,0.71,-20.0
LI-2024-INS004-000451,2007-11-24,3,58,61,1949,male,former_smoker,27.2,70,189,MN,USA,married,bachelors,white_collar,384082.86,0.7487,non_med_guaranteed,108,70,207,49,4.22,79,,False,,1.93,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-299,2.0,term_life,1000000,annual,11517.51,15.0,none,,,,True,excess_of_loss,bank,False,False,False,0.015198,0.044865,SOA_2015_VBT,SOA_Scale_MP2023,2.08,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015198,0.008,False,,1.0,False,,,,0.07,0.0771,False,normal_rate,3.22,2.62,False,False,False,False,False,0.831,30.0,27.0,preferred_longevity,64.2,baseline,0.938,0.75,False,,False,,1000000.0,93130.2,81909.0,92140.08,21883.27,False,0,-0.86,-0.45
LI-2024-INS004-000452,2019-08-09,8,58,66,1961,male,unknown,29.8,71,213,AR,USA,married,graduate,light_blue_collar,59208.56,0.4112,full_paramedical,145,84,214,51,4.2,96,5.4,False,80.4,11.47,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-436,1.25,indexed_ul,1000000,quarterly,7135.33,,10yr_declining,5786.44,,,True,facultative,captive_agent,False,False,False,0.022143,0.0401,SOA_2015_VBT,SOA_Scale_MP2023,1.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005536,0.015,False,,1.0,False,,,,0.06,0.037,False,normal_rate,4.37,2.41,False,False,False,False,False,0.797,31.0,23.0,standard_longevity,53.2,baseline,1.192,0.313,False,,False,,994213.56,58421.93,55298.69,57082.64,13557.13,False,0,0.31,11.96
LI-2024-INS004-000453,2005-08-16,8,76,84,1929,female,current_smoker,25.3,61,133,MI,USA,married,less_than_hs,light_blue_collar,20000.0,0.8821,full_paramedical,129,80,195,57,3.42,79,,True,,,False,False,False,False,False,none,,none,very_severe_gold_4,none,2,False,False,False,False,False,declined,,,False,False,True,False,7,UW-456,7.0,universal_life,1000000,monthly,49155.93,,10yr_declining,39490.31,,,True,quota_share,captive_agent,False,False,False,0.101373,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.182,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.06,0.0268,False,normal_rate,4.61,2.02,False,False,False,False,False,0.821,13.8,6.4,standard_longevity,35.3,baseline,0.838,0.779,True,47.3,True,0.182,960509.69,131291.06,116863.01,125839.18,146877.92,False,0,-5.0,-20.0
LI-2024-INS004-000454,2007-04-22,6,27,33,1980,female,never_smoker,27.2,68,179,GA,USA,divorced,some_college,light_blue_collar,120844.61,0.7183,full_paramedical,141,91,176,49,3.59,85,5.7,False,,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-018,1.25,term_life,500000,annual,1879.09,20.0,none,,,,False,none,captive_agent,False,False,False,0.001358,0.00205,SOA_2015_VBT,SOA_Scale_MP2023,1.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00034,0.02,False,,1.0,False,,,,0.05,0.0563,False,normal_rate,2.56,0.83,False,True,False,False,False,0.792,70.0,55.0,super_preferred_longevity,100.0,baseline,0.961,0.834,False,,False,,500000.0,15879.07,13880.68,15032.72,3570.27,False,0,5.53,11.75
LI-2024-INS004-000455,2014-07-05,10,41,51,1973,female,former_smoker,18.8,64,109,AL,USA,divorced,high_school,heavy_blue_collar,20000.0,0.7199,full_paramedical,121,67,212,63,3.37,94,5.6,False,91.7,,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,1.09,5.0,False,False,False,False,9,UW-301,2.25,universal_life,500000,quarterly,4798.03,,10yr_declining,4356.57,,,False,none,captive_agent,False,False,False,0.006033,0.020724,SOA_2015_VBT,SOA_Scale_MP2023,2.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007541,0.018,False,,1.0,False,,,,0.06,0.0304,False,normal_rate,3.01,2.35,False,False,False,False,False,0.786,55.3,47.5,super_preferred_longevity,94.5,baseline,0.96,0.694,True,48.7,False,,495643.43,39936.5,37707.44,38384.24,9116.26,False,0,2.19,-3.1
LI-2024-INS004-000456,2013-07-10,3,31,34,1982,male,never_smoker,24.0,68,157,CT,USA,single,high_school,heavy_blue_collar,63046.67,0.3562,limited_exam,102,63,172,48,3.58,86,4.9,False,113.8,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,1.24,,False,False,False,False,12,UW-089,0.95,indexed_ul,2000000,semi_annual,4901.77,,10yr_declining,3357.97,,,True,quota_share,direct_to_consumer,False,False,False,0.001792,0.002197,SOA_2015_VBT,SOA_Scale_MP2023,0.994,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0713,False,normal_rate,5.21,1.63,False,False,False,False,False,0.847,64.3,61.3,super_preferred_longevity,100.0,baseline,1.233,0.42,True,67.5,False,,1996642.03,42920.14,35607.42,39214.16,9313.36,False,0,1.64,14.95
LI-2024-INS004-000457,2001-07-23,24,22,46,1979,male,current_smoker,24.7,71,177,NJ,USA,married,bachelors,white_collar,72540.35,0.9713,full_paramedical,103,69,218,57,3.82,102,5.0,True,81.8,6.37,False,True,False,False,True,melanoma,11.9,none,none,substance_use_disorder,1,True,False,False,False,True,substandard_table_7,2.46,7.0,True,False,False,False,17,UW-430,2.75,whole_life,500000,annual,4767.6,,none,7752.45,3372.32,0.435,False,none,independent_broker,False,False,False,0.007886,0.031136,SOA_2015_VBT,SOA_Scale_MP2023,2.849,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013801,0.018,False,,1.0,False,,,,0.015,0.0083,False,normal_rate,3.51,1.81,False,False,False,False,False,0.793,70.0,46.0,super_preferred_longevity,96.1,baseline,0.772,0.786,False,,False,,492247.55,37012.33,39980.7,38140.8,9058.44,False,0,-1.16,-20.0
LI-2024-INS004-000458,2015-07-09,1,18,19,1997,male,never_smoker,33.3,70,232,NE,USA,divorced,graduate,white_collar,112491.54,0.866,full_paramedical,121,74,196,59,3.32,89,5.7,False,,,False,False,False,False,False,none,,pre_diabetes,none,none,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,25,UW-271,1.25,whole_life,500000,quarterly,976.35,,none,637.23,,,False,none,captive_agent,False,True,False,0.00098,0.001464,SOA_2015_VBT,SOA_Scale_MP2023,1.462,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000245,0.022,False,,1.0,False,,,,0.06,0.0604,False,normal_rate,3.02,2.7,False,False,False,False,False,0.761,70.0,60.6,super_preferred_longevity,100.0,baseline,0.851,0.868,True,64.1,False,,499362.77,8034.17,6734.1,7810.8,1855.06,False,0,-0.78,10.29
LI-2024-INS004-000459,2022-06-24,5,21,26,2001,female,never_smoker,34.4,58,164,WY,USA,divorced,bachelors,hazardous,38660.46,0.7581,full_paramedical,127,74,154,39,3.95,102,4.9,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,2.77,5.0,True,False,False,False,22,UW-139,2.25,whole_life,250000,quarterly,1373.94,,none,1037.92,,,False,none,worksite,False,False,False,0.000983,0.005226,SOA_2015_VBT,SOA_Scale_MP2023,2.341,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001229,0.012,True,0.00185,1.0,False,,,,0.04,0.1594,False,normal_rate,2.6,2.88,False,False,False,True,False,0.785,70.0,55.0,super_preferred_longevity,100.0,baseline,0.931,0.837,False,,False,,248962.08,11272.77,10548.58,10991.52,2610.49,False,0,3.12,-17.09
LI-2024-INS004-000460,2013-01-06,10,63,73,1950,male,never_smoker,24.6,61,130,CO,USA,married,some_college,light_blue_collar,43876.99,0.3564,limited_exam,123,83,205,66,3.11,106,4.0,False,,8.91,True,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,6,UW-337,1.0,term_life,500000,monthly,2862.16,20.0,none,,,,False,none,captive_agent,False,False,False,0.031422,0.041097,SOA_2015_VBT,SOA_Scale_MP2023,1.061,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0707,False,normal_rate,1.2,1.3,False,False,False,False,False,0.79,23.9,13.9,standard_longevity,38.7,baseline,1.233,0.418,False,,False,,500000.0,15202.12,15342.48,15913.61,6834.84,False,0,1.93,24.85
LI-2024-INS004-000461,2020-04-06,4,80,84,1940,male,never_smoker,40.6,72,299,WI,USA,married,some_college,light_blue_collar,54550.17,0.7539,limited_exam,160,101,186,25,7.44,116,5.8,False,69.5,5.5,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-392,2.0,term_life,500000,monthly,7618.34,15.0,none,,,,False,none,bank,False,False,False,0.080046,0.241569,SOA_2015_VBT,SOA_Scale_MP2023,2.132,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.080046,0.008,True,0.00203,1.0,False,,,,0.07,0.0768,False,normal_rate,3.18,2.83,False,False,False,False,False,0.906,6.7,2.7,sub_standard_longevity,27.9,baseline,0.935,0.664,False,,False,,500000.0,8480.84,7189.54,8227.81,25018.63,False,0,1.98,5.82
LI-2024-INS004-000462,2018-01-05,3,74,77,1944,male,current_smoker,22.8,61,120,WI,USA,widowed,some_college,professional,119508.03,0.6244,simplified_issue,132,76,199,34,5.85,69,,True,93.2,15.88,False,False,True,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,19,UW-040,1.75,annuity_immediate,2000000,monthly,22926.77,,none,,,,True,none,captive_agent,False,False,False,0.090229,0.235324,SOA_2015_VBT,SOA_Scale_MP2023,1.801,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.067671,0.008,False,,1.0,False,,,,0.005,0.006,False,normal_rate,2.34,1.74,False,False,False,False,False,0.792,15.7,12.7,standard_longevity,50.9,baseline,1.032,0.627,False,,False,,2000000.0,122573.37,113607.25,116467.99,56950.1,False,0,3.62,-1.47
LI-2024-INS004-000463,2017-04-17,9,34,43,1983,female,never_smoker,32.3,66,200,GA,USA,widowed,bachelors,professional,86603.09,0.7282,full_paramedical,122,80,233,44,5.3,95,5.7,False,88.3,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-434,1.25,universal_life,1000000,annual,4528.86,,15yr_declining,3823.76,,,True,quota_share,independent_broker,False,False,False,0.002537,0.003976,SOA_2015_VBT,SOA_Scale_MP2023,1.381,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000634,0.02,False,,1.0,False,,,,0.06,0.0302,False,normal_rate,3.81,0.8,False,False,False,False,False,0.902,64.0,55.0,super_preferred_longevity,100.0,baseline,0.954,0.529,False,,False,,996176.24,36628.24,33605.03,36230.88,8604.83,False,0,2.25,14.91
LI-2024-INS004-000464,2007-04-09,17,75,92,1932,female,former_smoker,29.7,68,195,NJ,USA,divorced,high_school,white_collar,95521.48,0.6744,full_paramedical,140,99,261,48,5.44,84,,False,57.2,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-052,2.25,universal_life,1000000,monthly,18173.94,,15yr_declining,22828.66,,,True,excess_of_loss,independent_broker,False,False,False,0.168446,0.605951,SOA_2015_VBT,SOA_Scale_MP2023,2.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.210557,0.005,False,,1.0,False,,,,0.04,0.0464,False,normal_rate,2.79,1.81,False,False,False,False,False,0.761,13.9,1.0,sub_standard_longevity,24.1,baseline,0.994,0.656,False,,False,,977171.34,7576.22,6586.47,7269.58,62154.87,False,0,2.18,-8.66
LI-2024-INS004-000465,2011-09-18,4,31,35,1980,female,never_smoker,21.6,62,118,AR,USA,married,bachelors,heavy_blue_collar,80742.46,0.4359,accelerated_UW,119,66,143,63,2.27,90,5.0,False,79.7,,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,0.54,,False,False,False,True,10,UW-328,0.68,annuity_deferred,1000000,semi_annual,2072.06,,none,1469.44,,,True,none,captive_agent,False,False,False,0.001517,0.001214,SOA_2015_VBT,SOA_Scale_MP2023,0.682,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0541,False,normal_rate,4.47,1.56,False,False,False,False,False,0.83,65.3,55.0,super_preferred_longevity,100.0,baseline,1.173,0.459,False,,False,,998530.56,15641.33,14536.62,16576.48,3936.91,False,0,4.75,25.89
LI-2024-INS004-000466,2006-08-17,7,60,67,1946,female,never_smoker,28.5,65,171,VA,USA,divorced,bachelors,white_collar,161828.12,0.8767,non_med_guaranteed,127,71,230,48,4.79,117,5.1,False,,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,preferred,,,False,False,False,False,23,UW-379,0.79,term_life,250000,monthly,1076.3,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.015322,0.010391,SOA_2015_VBT,SOA_Scale_MP2023,0.805,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0699,False,normal_rate,4.57,2.32,False,False,False,False,False,0.817,32.0,25.0,preferred_longevity,63.2,baseline,0.842,0.871,False,,False,,250000.0,7891.14,8398.78,8610.4,2044.97,False,0,4.81,30.14
LI-2024-INS004-000467,2019-02-14,8,22,30,1997,male,never_smoker,28.5,65,171,CA,USA,married,high_school,heavy_blue_collar,77915.54,0.5514,full_paramedical,117,58,249,38,6.55,135,6.4,False,79.1,,False,False,False,False,False,none,,pre_diabetes,none,depression,0,False,False,False,False,True,substandard_table_2,1.31,2.0,False,False,False,False,40,UW-303,1.5,indexed_ul,2000000,semi_annual,7637.79,,10yr_declining,6307.88,,,True,coinsurance,independent_broker,False,False,False,0.00146,0.003223,SOA_2015_VBT,SOA_Scale_MP2023,1.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00073,0.022,False,,1.0,False,,,,0.06,0.034,False,normal_rate,2.81,0.57,False,False,False,False,False,0.844,70.0,55.0,super_preferred_longevity,100.0,baseline,1.086,0.581,False,,False,,1993692.12,61809.03,54241.84,61102.32,14511.8,False,0,2.69,5.65
LI-2024-INS004-000468,2014-02-20,7,65,72,1949,female,never_smoker,25.0,59,123,MA,USA,married,graduate,professional,39813.0,0.4967,full_paramedical,141,87,240,43,5.58,66,,False,67.6,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-114,1.25,group_life,500000,annual,3906.57,,none,,,,False,none,captive_agent,False,False,False,0.024278,0.046936,SOA_2015_VBT,SOA_Scale_MP2023,1.493,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006069,0.008,False,,1.0,False,,,,0.12,0.1563,False,normal_rate,4.48,0.8,False,False,False,False,False,0.963,26.0,19.2,standard_longevity,48.8,baseline,1.127,0.518,True,36.4,False,,500000.0,29105.16,28249.84,30002.46,7672.5,False,0,6.52,11.04
LI-2024-INS004-000469,2011-07-10,13,26,39,1985,female,never_smoker,27.1,64,157,WI,USA,single,high_school,professional,23964.49,0.5065,simplified_issue,112,81,216,52,4.15,81,5.3,False,88.9,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-111,2.0,group_life,2000000,quarterly,14673.66,,none,,,,True,none,direct_to_consumer,False,False,False,0.001936,0.006601,SOA_2015_VBT,SOA_Scale_MP2023,2.152,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001936,0.02,False,,1.0,False,,,,0.1,0.1813,False,normal_rate,2.44,2.58,False,False,False,False,False,0.785,70.0,55.0,super_preferred_longevity,100.0,baseline,1.12,0.444,False,,False,,2000000.0,126193.59,109156.3,117389.28,27879.95,False,0,2.96,-11.35
LI-2024-INS004-000470,2017-09-08,1,54,55,1963,male,former_smoker,33.0,67,210,MS,USA,married,bachelors,professional,61004.82,0.2416,limited_exam,139,79,248,42,5.9,114,5.8,False,68.0,1.75,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-149,2.0,term_life,500000,quarterly,4614.12,15.0,none,,,,True,none,direct_to_consumer,False,False,False,0.010122,0.039745,SOA_2015_VBT,SOA_Scale_MP2023,2.219,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010122,0.015,False,,1.0,False,,,,0.1,0.2953,False,normal_rate,1.65,1.84,False,False,False,False,False,0.807,34.6,35.8,preferred_longevity,69.8,baseline,1.319,0.195,True,53.5,False,,500000.0,33901.59,31855.32,36912.96,8766.83,False,0,0.09,-10.77
LI-2024-INS004-000471,2015-09-14,11,28,39,1987,male,former_smoker,31.5,75,251,CA,USA,married,high_school,light_blue_collar,20000.0,0.8174,full_paramedical,125,84,271,37,7.32,104,4.8,False,96.5,,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-474,1.5,indexed_ul,100000,annual,553.47,,10yr_declining,512.7,,,True,none,worksite,True,False,False,0.003145,0.006215,SOA_2015_VBT,SOA_Scale_MP2023,1.664,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001573,0.02,False,,1.0,False,,,,0.04,0.1638,True,normal_rate,5.02,0.55,False,False,False,False,False,0.757,66.9,55.4,super_preferred_longevity,100.0,baseline,0.887,0.806,True,35.6,False,,99487.3,4069.85,4461.64,4427.76,1051.59,False,0,0.52,5.82
LI-2024-INS004-000472,2013-08-02,6,24,30,1989,male,never_smoker,31.6,64,183,MT,USA,married,high_school,professional,91891.79,0.7929,full_paramedical,96,70,196,33,5.94,94,5.6,False,84.9,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-379,1.25,universal_life,100000,monthly,276.8,,10yr_declining,220.57,,,False,none,captive_agent,False,False,False,0.00146,0.002049,SOA_2015_VBT,SOA_Scale_MP2023,1.274,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000365,0.02,False,,1.0,False,,,,0.06,0.0288,False,normal_rate,4.52,2.93,False,False,False,False,False,0.821,70.0,55.0,super_preferred_longevity,100.0,baseline,0.905,0.793,False,,False,,99779.43,2361.62,2064.58,2214.4,525.92,False,0,4.92,18.23
LI-2024-INS004-000473,2004-04-10,17,29,46,1975,male,former_smoker,33.8,69,229,NV,USA,married,high_school,light_blue_collar,36357.39,0.8143,simplified_issue,118,62,252,38,6.63,96,4.9,False,,1.27,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-091,2.0,universal_life,1000000,monthly,7410.51,,15yr_declining,9314.45,,,True,coinsurance,direct_to_consumer,False,False,False,0.005126,0.014968,SOA_2015_VBT,SOA_Scale_MP2023,2.159,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005126,0.018,False,,1.0,False,,,,0.04,0.0587,False,normal_rate,4.08,2.74,False,False,False,False,False,0.854,63.9,55.1,super_preferred_longevity,100.0,baseline,0.889,0.941,True,82.7,False,,990685.55,54073.94,61253.76,59284.08,14079.97,False,0,2.78,-1.65
LI-2024-INS004-000474,2003-05-16,12,68,80,1935,male,never_smoker,36.8,71,264,NH,USA,married,graduate,professional,78093.74,0.7371,full_paramedical,113,70,294,43,6.84,123,5.0,False,66.3,3.01,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-253,2.25,group_life,250000,quarterly,3351.52,,none,,,,False,none,bank,False,False,False,0.05964,0.211651,SOA_2015_VBT,SOA_Scale_MP2023,2.427,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.07455,0.005,False,,1.0,False,,,,0.1,0.111,False,normal_rate,2.61,1.87,False,False,False,False,False,0.857,17.6,5.6,sub_standard_longevity,32.0,baseline,0.947,0.745,False,,False,,250000.0,7580.26,7132.35,7507.4,10228.84,False,0,1.61,-9.47
LI-2024-INS004-000475,2021-10-01,1,44,45,1977,male,never_smoker,31.8,69,215,PA,USA,married,bachelors,white_collar,152098.24,0.6787,full_paramedical,137,86,244,47,5.19,89,5.8,False,70.3,1.1,True,False,False,False,False,none,,none,none,anxiety,3,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-107,1.25,whole_life,500000,annual,2343.28,,none,1389.54,,,True,none,independent_broker,False,False,False,0.003662,0.010229,SOA_2015_VBT,SOA_Scale_MP2023,1.256,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000916,0.018,True,0.00476,1.0,False,,,,0.06,0.0694,False,normal_rate,2.64,0.85,False,False,False,False,False,0.799,48.7,52.4,super_preferred_longevity,100.0,baseline,0.991,0.72,True,63.2,False,,498610.46,20542.3,17427.37,18746.24,4452.23,False,0,2.71,18.04
LI-2024-INS004-000476,2024-05-26,2,67,69,1957,male,never_smoker,29.7,68,195,WV,USA,married,bachelors,heavy_blue_collar,60663.62,0.4188,limited_exam,156,97,202,32,6.31,109,,False,72.3,6.01,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,1.32,2.0,False,False,False,False,30,UW-341,1.5,term_life,1000000,monthly,8479.41,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.024111,0.056832,SOA_2015_VBT,SOA_Scale_MP2023,1.566,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012055,0.012,False,,1.0,True,2026-01-25,non_payment,2.0,0.07,0.0955,False,normal_rate,2.39,1.32,False,False,False,False,False,0.85,21.2,20.7,standard_longevity,49.8,baseline,1.186,0.401,True,57.0,False,,1000000.0,71543.93,58033.62,67835.28,16110.88,False,0,2.11,7.34
LI-2024-INS004-000477,2022-04-19,3,56,59,1966,female,never_smoker,24.0,70,167,IA,USA,single,graduate,professional,78674.58,0.8562,full_paramedical,125,85,160,49,3.27,84,,False,82.3,,True,False,False,False,False,none,,none,none,depression,3,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,47,UW-111,1.25,term_life,5000000,quarterly,27356.6,30.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.008972,0.013564,SOA_2015_VBT,SOA_Scale_MP2023,1.466,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002243,0.015,True,4e-05,1.0,True,2026-02-23,replacement,3.0,0.07,0.0995,False,normal_rate,4.24,2.73,True,False,False,False,False,1.0,39.5,36.5,super_preferred_longevity,80.1,baseline,0.858,0.97,False,,False,,5000000.0,202179.28,226117.78,218852.8,51977.54,False,0,6.5,8.91
LI-2024-INS004-000478,2023-02-20,1,56,57,1967,male,never_smoker,15.0,66,92,WV,USA,divorced,some_college,professional,32369.98,0.4391,limited_exam,122,74,192,50,3.84,60,,False,,4.04,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,declined,,,False,False,True,False,13,UW-404,7.0,whole_life,2000000,monthly,74381.77,,none,49419.2,,,True,facultative,employer_group,True,False,False,0.009477,0.124738,SOA_2015_VBT,SOA_Scale_MP2023,6.118,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.056862,0.015,False,,1.0,False,,,,0.06,0.0971,False,normal_rate,5.4,2.67,False,False,False,False,False,0.96,34.0,33.0,preferred_longevity,68.6,baseline,1.171,0.494,False,,False,,1950580.8,569981.93,519985.83,595054.16,141325.36,False,0,-5.0,-20.0
LI-2024-INS004-000479,2014-11-10,3,38,41,1976,female,former_smoker,18.3,59,90,RI,USA,single,some_college,light_blue_collar,22381.19,0.7985,full_paramedical,112,69,184,45,4.09,98,4.7,False,74.2,,False,True,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,standard_plus,,,False,False,False,False,4,UW-039,0.92,universal_life,100000,semi_annual,301.96,,15yr_declining,208.37,,,False,none,captive_agent,False,False,False,0.002872,0.00242,SOA_2015_VBT,SOA_Scale_MP2023,0.935,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0382,False,normal_rate,4.11,3.0,False,False,False,False,False,0.821,59.0,55.0,super_preferred_longevity,100.0,baseline,0.901,0.737,False,,False,,99791.63,2175.09,2359.15,2415.68,573.72,False,0,2.12,28.86
LI-2024-INS004-000480,2023-02-23,3,47,50,1976,female,former_smoker,34.3,63,193,RI,USA,married,bachelors,white_collar,69416.99,0.9401,non_med_guaranteed,135,76,185,50,3.7,108,5.1,False,,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-327,2.0,universal_life,500000,annual,4067.66,,10yr_declining,2708.33,,,True,quota_share,captive_agent,True,False,False,0.005574,0.015534,SOA_2015_VBT,SOA_Scale_MP2023,2.248,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005574,0.018,False,,1.0,False,,,,0.08,0.0341,False,normal_rate,2.09,0.78,False,False,False,False,False,0.815,50.6,47.6,super_preferred_longevity,98.0,baseline,0.795,1.0,False,,False,,497291.67,35541.71,33264.65,32541.28,7728.55,False,0,0.9,-3.81
LI-2024-INS004-000481,2022-09-15,1,67,68,1955,female,never_smoker,37.3,68,245,NE,USA,married,bachelors,hazardous,248355.23,0.7505,limited_exam,152,101,270,53,5.09,111,5.6,False,75.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,2.94,,True,True,False,False,3,UW-275,1.0,term_life,500000,monthly,2605.17,15.0,none,,,,False,none,captive_agent,False,False,False,0.017257,0.019736,SOA_2015_VBT,SOA_Scale_MP2023,1.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00331,1.0,False,,,,0.1,0.11,False,normal_rate,4.03,1.63,False,False,False,False,False,0.917,26.2,25.2,preferred_longevity,61.6,baseline,0.937,0.793,False,,False,,500000.0,19238.5,18741.7,20841.36,4949.82,False,0,1.25,13.59
LI-2024-INS004-000482,2024-06-07,2,38,40,1986,female,never_smoker,28.6,68,187,FL,USA,divorced,less_than_hs,white_collar,20000.0,0.6958,accelerated_UW,129,73,246,70,3.51,98,5.4,False,92.4,,False,False,True,False,False,none,,none,none,substance_use_disorder,2,True,False,False,True,True,substandard_table_5,2.31,5.0,True,False,False,True,50,UW-125,2.25,term_life,1000000,monthly,6752.69,30.0,none,,,,True,facultative,bank,True,False,False,0.002066,0.007275,SOA_2015_VBT,SOA_Scale_MP2023,2.322,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.02,False,,1.0,False,,,,0.07,0.08,False,normal_rate,3.58,2.71,False,False,False,False,False,0.756,63.3,59.4,super_preferred_longevity,100.0,baseline,0.978,0.404,True,58.1,False,,1000000.0,54620.79,52511.54,54021.52,12830.11,False,0,-1.28,-16.26
LI-2024-INS004-000483,2007-06-16,18,80,98,1927,female,unknown,29.2,68,191,NJ,USA,married,bachelors,hazardous,165600.28,0.3461,full_paramedical,140,87,252,51,4.94,98,5.4,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,4.79,5.0,True,False,False,False,21,UW-293,2.25,term_life,1000000,quarterly,17348.54,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.177857,0.761956,SOA_2015_VBT,SOA_Scale_MP2023,2.446,cardiovascular,True,2021-10-04,False,False,1604236.72,0.0007,5e-05,1.095,0.222322,0.012,False,,1.0,False,,,,0.03,0.0427,False,normal_rate,3.75,1.57,False,False,False,False,False,0.818,7.4,1.0,sub_standard_longevity,19.2,baseline,1.24,0.387,False,,False,,1000000.0,6579.39,6526.31,6939.42,59332.01,False,0,-0.75,-8.82
LI-2024-INS004-000484,2014-01-03,6,43,49,1971,male,never_smoker,26.9,67,171,OK,USA,single,bachelors,white_collar,41682.97,0.4797,full_paramedical,139,89,226,52,4.35,103,4.9,False,,2.17,True,False,False,True,False,none,,none,none,substance_use_disorder,7,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,38,UW-273,2.5,term_life,250000,annual,2867.2,25.0,none,,,,False,none,captive_agent,True,False,False,0.004956,0.021816,SOA_2015_VBT,SOA_Scale_MP2023,2.545,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007434,0.018,False,,1.0,False,,,,0.05,0.0658,False,normal_rate,3.64,1.36,False,False,False,False,False,0.989,48.0,39.6,preferred_longevity,79.1,baseline,1.14,0.307,True,13.0,False,,250000.0,22090.4,20789.67,22937.6,5447.68,False,0,0.03,-18.7
LI-2024-INS004-000485,2000-07-06,16,71,87,1929,female,never_smoker,32.0,60,163,MS,USA,married,high_school,professional,56694.19,0.8735,simplified_issue,137,78,187,61,3.07,110,5.5,False,,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-072,1.25,universal_life,500000,monthly,5095.79,,10yr_declining,5898.01,,,False,none,captive_agent,False,False,False,0.065406,0.089294,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016351,0.012,False,,1.0,False,,,,0.04,0.04,False,normal_rate,5.96,1.85,False,False,False,False,False,0.901,18.8,2.8,sub_standard_longevity,29.8,baseline,0.845,0.804,False,,False,,494101.99,5337.55,5314.76,5707.28,16693.81,False,0,2.46,14.34
LI-2024-INS004-000486,2015-01-13,3,32,35,1983,female,former_smoker,17.2,61,91,IA,USA,married,some_college,professional,46708.55,0.6397,full_paramedical,120,72,165,71,2.32,75,,False,96.0,,True,False,False,False,True,breast,7.8,none,none,schizophrenia,3,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,14,UW-030,2.25,universal_life,250000,semi_annual,1692.39,,10yr_declining,1220.58,,,False,none,direct_to_consumer,False,False,False,0.001972,0.007034,SOA_2015_VBT,SOA_Scale_MP2023,2.271,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002465,0.02,False,,1.0,False,,,,0.08,0.0599,False,normal_rate,4.67,1.42,False,False,False,False,False,0.807,65.6,55.0,super_preferred_longevity,100.0,baseline,1.02,0.51,False,,False,,248779.42,13868.52,13941.28,13539.12,3215.54,False,0,2.16,-16.88
LI-2024-INS004-000487,2009-06-24,7,69,76,1940,male,never_smoker,27.1,72,200,NJ,USA,married,bachelors,light_blue_collar,41600.3,0.7096,full_paramedical,132,91,197,57,3.46,115,4.6,False,67.9,11.31,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-232,1.25,annuity_deferred,500000,quarterly,3899.62,,none,3312.78,,,False,none,independent_broker,False,False,False,0.040039,0.06736,SOA_2015_VBT,SOA_Scale_MP2023,1.48,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01001,0.008,False,,1.0,False,,,,0.02,0.0226,False,normal_rate,4.0,0.72,False,False,False,False,False,0.765,17.5,10.5,standard_longevity,38.9,baseline,0.968,0.763,False,,False,,496687.22,14983.55,16284.59,16378.4,10372.99,False,0,0.62,9.48
LI-2024-INS004-000488,2004-04-03,4,61,65,1943,male,never_smoker,31.1,74,242,SD,USA,divorced,bachelors,professional,264372.65,0.7157,full_paramedical,131,93,248,43,5.77,74,,False,,7.5,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,17,UW-147,2.0,indexed_ul,1000000,annual,9960.8,,15yr_declining,6638.99,,,True,facultative,direct_to_consumer,False,False,False,0.015718,0.04945,SOA_2015_VBT,SOA_Scale_MP2023,2.228,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015718,0.008,False,,1.0,False,,,,0.08,0.0568,False,normal_rate,3.14,2.26,False,False,False,False,False,0.845,26.0,22.0,standard_longevity,56.2,baseline,0.963,0.841,False,,False,,993361.01,81700.38,81303.34,79686.4,18925.52,False,0,-0.13,-0.52
LI-2024-INS004-000489,2006-03-16,18,66,84,1940,female,never_smoker,21.7,68,142,UT,USA,married,some_college,white_collar,89081.57,0.8097,full_paramedical,136,79,215,60,3.58,98,,False,69.7,,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-407,1.25,indexed_ul,2000000,monthly,16978.75,,10yr_declining,21528.98,,,True,quota_share,employer_group,False,False,False,0.064037,0.093643,SOA_2015_VBT,SOA_Scale_MP2023,1.358,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016009,0.008,False,,1.0,False,,,,0.04,0.0505,False,normal_rate,3.9,1.29,False,False,False,False,False,0.856,24.9,6.9,sub_standard_longevity,35.0,baseline,0.893,1.0,False,,False,,1978471.02,46311.07,42582.96,46861.35,50053.35,False,0,3.08,18.87
LI-2024-INS004-000490,2005-05-27,19,69,88,1936,male,never_smoker,28.2,63,159,NE,USA,married,some_college,professional,245461.49,0.681,non_med_guaranteed,135,91,276,46,6.0,88,4.8,False,69.7,14.29,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-379,2.0,term_life,100000,semi_annual,1595.67,20.0,none,,,,False,none,captive_agent,False,False,False,0.118757,0.359005,SOA_2015_VBT,SOA_Scale_MP2023,2.045,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.118757,0.005,False,,1.0,False,,,,0.03,0.0347,False,normal_rate,2.88,2.14,False,False,False,False,False,0.964,16.5,1.0,sub_standard_longevity,24.2,baseline,0.989,0.752,False,,False,,100000.0,637.43,612.75,638.27,5457.19,False,0,0.41,-5.63
LI-2024-INS004-000491,2022-11-24,1,62,63,1960,male,never_smoker,20.1,75,160,NJ,USA,divorced,high_school,light_blue_collar,186492.81,0.685,full_paramedical,127,78,195,60,3.25,74,,False,74.4,3.64,False,False,False,True,True,prostate,9.1,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-358,2.5,universal_life,500000,semi_annual,7026.58,,15yr_declining,4468.76,,,True,none,bank,False,False,False,0.014633,0.0649,SOA_2015_VBT,SOA_Scale_MP2023,2.539,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02195,0.015,True,0.00631,1.0,False,,,,0.12,0.0622,False,normal_rate,2.59,1.57,True,False,False,False,False,0.96,27.9,26.0,preferred_longevity,61.8,baseline,0.986,0.485,True,21.7,False,,495531.24,52295.17,57018.8,56212.64,13350.5,False,0,-0.83,-18.62
LI-2024-INS004-000492,2023-11-17,3,36,39,1987,male,former_smoker,28.6,66,177,WI,USA,single,bachelors,professional,66574.58,0.4086,full_paramedical,103,58,211,38,5.55,105,6.4,False,103.8,,True,False,True,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-449,2.25,group_life,250000,semi_annual,1875.55,,none,,,,False,none,employer_group,False,False,False,0.003145,0.012648,SOA_2015_VBT,SOA_Scale_MP2023,2.322,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003932,0.02,False,,1.0,False,,,,0.15,0.2472,False,normal_rate,1.38,1.42,False,False,False,False,False,0.969,60.3,55.0,super_preferred_longevity,100.0,baseline,1.194,0.379,False,,False,,250000.0,15979.3,15661.96,15004.4,3563.55,False,0,0.33,-12.13
LI-2024-INS004-000493,2002-02-11,13,36,49,1966,male,never_smoker,26.0,76,213,VA,USA,married,some_college,light_blue_collar,22482.18,0.7938,full_paramedical,137,82,257,56,4.59,96,,False,84.0,1.86,True,True,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-427,1.25,term_life,500000,monthly,2406.71,20.0,none,,,,False,none,independent_broker,False,False,False,0.004956,0.006929,SOA_2015_VBT,SOA_Scale_MP2023,1.269,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001239,0.015,False,,1.0,False,,,,0.03,0.0319,False,normal_rate,3.18,0.76,False,False,False,False,False,0.887,55.3,42.3,super_preferred_longevity,87.9,baseline,0.905,0.699,False,,False,,500000.0,19203.84,19506.45,19253.68,4572.75,False,0,4.76,10.33
LI-2024-INS004-000494,2001-02-20,5,20,25,1981,female,former_smoker,19.5,68,128,RI,USA,married,bachelors,professional,229038.95,0.7565,full_paramedical,118,69,169,58,2.91,71,4.8,False,85.8,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-297,2.0,universal_life,500000,annual,2198.4,,15yr_declining,1724.11,,,False,none,independent_broker,False,False,False,0.00123,0.003634,SOA_2015_VBT,SOA_Scale_MP2023,2.096,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00123,0.02,False,,1.0,False,,,,0.08,0.0394,False,normal_rate,4.18,1.39,False,False,False,False,False,0.841,70.0,55.0,super_preferred_longevity,100.0,baseline,0.933,0.825,False,,False,,498275.89,16355.92,16249.23,17587.2,4176.96,False,0,-0.14,-8.47
LI-2024-INS004-000495,2007-04-19,19,59,78,1948,female,never_smoker,26.8,62,146,MT,USA,married,high_school,professional,75028.92,0.5141,simplified_issue,117,77,271,55,4.93,79,5.2,False,57.6,,False,False,True,True,False,none,,none,none,depression,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,24,UW-462,2.5,indexed_ul,250000,quarterly,4392.12,,10yr_declining,5768.76,,,True,quota_share,captive_agent,False,False,False,0.040662,0.180123,SOA_2015_VBT,SOA_Scale_MP2023,2.629,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.060992,0.008,False,,1.0,False,,,,0.04,0.0515,False,normal_rate,4.27,1.25,False,False,False,False,False,0.884,34.9,15.9,standard_longevity,54.1,baseline,1.114,0.536,False,,False,,244231.24,26204.46,28857.19,27933.88,9785.64,False,0,1.37,-20.0
LI-2024-INS004-000496,2018-08-05,1,74,75,1944,female,former_smoker,23.9,61,126,VA,USA,divorced,graduate,white_collar,20000.0,0.8587,full_paramedical,161,100,232,38,6.11,95,5.0,False,50.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-032,2.0,term_life,2000000,annual,21945.96,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.039405,0.106866,SOA_2015_VBT,SOA_Scale_MP2023,2.0,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039405,0.008,False,,1.0,False,,,,0.1,0.1013,False,normal_rate,3.26,0.63,False,False,False,False,False,0.905,17.7,16.7,standard_longevity,50.4,baseline,0.856,0.877,False,,False,,2000000.0,160832.47,127363.33,146599.01,47491.06,False,0,2.62,-2.8
LI-2024-INS004-000497,2022-07-04,5,61,66,1961,female,never_smoker,29.3,64,170,SC,USA,married,bachelors,white_collar,22729.2,0.5716,non_med_guaranteed,121,72,247,46,5.37,104,5.1,False,80.1,,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-346,2.25,term_life,1000000,annual,12327.49,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.015404,0.063136,SOA_2015_VBT,SOA_Scale_MP2023,2.46,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019254,0.015,True,0.00329,1.0,False,,,,0.07,0.087,False,normal_rate,5.05,2.26,False,False,False,False,False,0.834,35.6,30.6,preferred_longevity,77.0,baseline,1.071,0.614,False,,False,,1000000.0,97068.3,98861.8,98619.92,23422.23,False,0,1.46,-12.13
LI-2024-INS004-000498,2020-10-04,3,23,26,1997,male,current_smoker,35.4,61,187,VA,USA,divorced,high_school,professional,87640.83,0.8355,accelerated_UW,117,82,230,37,6.22,114,7.6,True,116.6,,False,False,False,False,False,none,,type_2,none,anxiety,2,False,False,False,False,True,substandard_table_7,,7.0,False,False,False,True,41,UW-184,2.75,whole_life,100000,semi_annual,546.87,,none,377.82,,,False,none,worksite,False,False,False,0.002457,0.012687,SOA_2015_VBT,SOA_Scale_MP2023,2.877,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0043,0.022,True,0.00221,1.0,False,,,,0.04,0.0413,False,normal_rate,2.69,1.47,False,False,False,False,False,0.987,70.0,54.1,super_preferred_longevity,100.0,baseline,0.873,0.988,False,,True,-0.614,99622.18,4119.17,4543.32,4374.96,1039.05,False,0,3.2,-20.0
LI-2024-INS004-000499,2022-03-27,4,60,64,1962,male,never_smoker,32.4,76,266,MT,USA,married,high_school,professional,52906.43,0.3069,simplified_issue,136,91,270,39,6.92,116,5.5,False,90.9,4.76,True,False,False,False,True,lymphoma,0.8,none,none,none,2,False,False,True,False,True,declined,,,False,False,True,False,35,UW-450,7.0,term_life,2000000,monthly,65738.16,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.01644,0.238151,SOA_2015_VBT,SOA_Scale_MP2023,6.676,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.09864,0.015,True,0.00014,1.0,False,,,,0.07,0.1018,False,normal_rate,3.26,2.0,False,False,False,False,False,0.897,28.7,24.7,standard_longevity,54.2,baseline,1.27,0.405,False,,False,,2000000.0,479437.59,523000.38,525905.28,124902.5,False,0,-5.0,-20.0
LI-2024-INS004-000500,2016-10-19,2,33,35,1983,female,never_smoker,29.9,69,202,MD,USA,divorced,some_college,professional,21191.16,0.1405,full_paramedical,102,58,198,55,3.6,105,,False,111.8,,False,False,False,False,False,none,,none,none,depression,4,False,True,True,False,True,substandard_table_1,,1.0,False,False,False,False,52,UW-214,1.25,whole_life,250000,annual,897.09,,none,548.5,,,True,facultative,bank,True,False,False,0.001517,0.003163,SOA_2015_VBT,SOA_Scale_MP2023,1.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000379,0.02,False,,1.0,False,,,,0.04,0.0889,False,normal_rate,5.03,1.93,False,False,False,False,False,0.978,62.6,55.0,super_preferred_longevity,97.1,baseline,1.395,0.152,False,,False,,249451.5,7674.5,7351.57,7176.72,1704.47,False,0,2.47,5.75
LI-2024-INS004-000501,2007-02-27,3,73,76,1934,male,never_smoker,19.9,66,123,WV,USA,single,graduate,light_blue_collar,54763.17,0.6314,limited_exam,108,88,189,66,2.86,63,5.3,False,62.5,1.05,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-015,1.25,universal_life,250000,quarterly,2173.01,,10yr_declining,1438.87,,,False,none,employer_group,False,False,False,0.041899,0.073524,SOA_2015_VBT,SOA_Scale_MP2023,1.466,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010475,0.005,False,,1.0,False,,,,0.08,0.0516,False,normal_rate,3.27,1.52,False,False,False,False,False,0.849,12.0,9.0,standard_longevity,35.5,baseline,1.026,0.721,False,,False,,248561.13,7079.0,7789.53,7822.84,6040.97,False,0,0.74,14.49
LI-2024-INS004-000502,2024-11-06,2,47,49,1977,male,never_smoker,27.1,73,205,NH,USA,married,bachelors,white_collar,45792.08,0.4349,accelerated_UW,124,76,162,62,2.61,95,,False,86.0,2.46,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,21,UW-299,2.25,term_life,500000,semi_annual,4148.37,20.0,none,,,,False,none,independent_broker,False,False,False,0.004956,0.019959,SOA_2015_VBT,SOA_Scale_MP2023,2.366,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006195,0.018,False,,1.0,False,,,,0.07,0.0946,False,normal_rate,2.55,0.56,False,False,False,False,False,0.768,44.7,42.7,super_preferred_longevity,83.1,baseline,1.174,0.61,False,,False,,500000.0,30031.79,28403.57,33186.96,7881.9,False,0,1.83,-16.08
LI-2024-INS004-000503,2022-05-04,4,67,71,1955,male,former_smoker,20.9,72,154,OK,USA,married,bachelors,white_collar,28475.85,0.9364,accelerated_UW,148,84,217,38,5.71,68,5.8,False,,7.14,False,True,True,False,False,none,,none,none,schizophrenia,1,False,True,False,True,True,substandard_table_5,,5.0,False,False,False,True,25,UW-003,2.25,universal_life,250000,monthly,3134.07,,15yr_declining,2326.46,,,False,none,independent_broker,False,False,False,0.036433,0.119488,SOA_2015_VBT,SOA_Scale_MP2023,2.468,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.045541,0.012,True,0.00222,1.0,False,,,,0.08,0.0342,False,normal_rate,5.15,0.54,False,False,False,False,False,0.766,26.0,22.9,preferred_longevity,70.9,baseline,0.798,1.0,True,46.9,False,,247673.54,23317.11,24488.97,25072.56,5954.73,False,0,0.74,-1.79
LI-2024-INS004-000504,2016-07-27,1,58,59,1958,female,never_smoker,24.8,70,173,MT,USA,married,bachelors,hazardous,104588.66,0.4618,full_paramedical,104,56,171,53,3.23,86,,False,,,True,True,False,False,False,none,,none,none,none,5,False,False,False,True,True,standard,4.53,,True,False,False,False,58,UW-148,1.05,annuity_immediate,1000000,monthly,4946.04,,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.008245,0.010152,SOA_2015_VBT,SOA_Scale_MP2023,1.024,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000412,0.012,False,,1.0,False,,,,0.01,0.0186,False,normal_rate,4.73,1.42,False,False,False,False,False,0.947,34.5,31.4,preferred_longevity,66.5,baseline,1.154,0.607,False,,True,-1.417,1000000.0,38622.08,40780.84,39568.32,9397.48,False,0,1.91,18.18
LI-2024-INS004-000505,2011-11-10,12,34,46,1977,male,never_smoker,29.9,62,163,TN,USA,married,some_college,white_collar,116798.75,0.7627,accelerated_UW,129,87,201,39,5.15,135,5.3,False,97.0,2.35,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,30,UW-214,1.25,indexed_ul,250000,monthly,1372.63,,10yr_declining,1357.41,,,True,excess_of_loss,independent_broker,False,False,False,0.003943,0.006134,SOA_2015_VBT,SOA_Scale_MP2023,1.407,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000986,0.018,False,,1.0,False,,,,0.04,0.0436,False,normal_rate,3.4,1.23,False,False,False,False,False,0.912,59.0,47.0,super_preferred_longevity,94.4,baseline,0.928,0.9,False,,False,,248642.59,11114.69,10776.54,10981.04,2608.0,False,0,0.16,5.08
LI-2024-INS004-000506,2009-04-28,14,80,94,1929,non_binary,current_smoker,31.2,61,165,WI,USA,married,some_college,white_collar,60553.75,0.6836,accelerated_UW,154,101,272,67,4.06,102,5.3,True,44.7,,True,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,True,25,UW-240,2.75,whole_life,2000000,annual,43304.2,,none,44533.12,,,True,excess_of_loss,worksite,False,False,False,0.261576,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.892,infectious,True,2021-12-07,False,False,273780.71,0.0007,5e-05,1.095,0.457757,0.012,False,,1.0,False,,,,0.015,0.0173,False,normal_rate,2.86,1.39,False,False,False,False,False,0.99,5.0,1.0,sub_standard_longevity,24.3,baseline,0.987,0.816,False,,False,,1955466.88,16779.5,17002.73,17321.68,148100.36,False,0,-1.89,-20.0
LI-2024-INS004-000507,2003-05-07,8,39,47,1964,female,never_smoker,27.9,65,167,WY,USA,married,bachelors,white_collar,30967.49,0.7673,full_paramedical,120,76,178,52,3.42,102,,False,,,False,True,False,False,False,none,,none,none,anxiety,1,False,False,True,False,True,preferred_plus,,,False,False,False,False,53,UW-413,0.6,universal_life,250000,semi_annual,516.25,,10yr_declining,447.71,,,False,none,captive_agent,False,False,False,0.00335,0.001905,SOA_2015_VBT,SOA_Scale_MP2023,0.615,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0293,False,normal_rate,3.54,2.94,False,False,False,False,False,0.916,55.9,47.9,super_preferred_longevity,95.9,baseline,0.925,0.799,False,,False,,249552.29,3984.77,3575.25,4130.0,980.88,False,0,7.1,32.43
LI-2024-INS004-000508,2009-06-27,11,40,51,1969,female,never_smoker,34.6,65,207,WI,USA,married,some_college,light_blue_collar,38825.08,0.6574,non_med_guaranteed,157,89,189,47,4.02,108,4.8,False,85.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,6,UW-089,1.5,universal_life,100000,annual,598.08,,15yr_declining,540.11,,,False,none,bank,True,False,False,0.004641,0.009825,SOA_2015_VBT,SOA_Scale_MP2023,1.606,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00232,0.015,False,,1.0,False,,,,0.04,0.0211,False,normal_rate,2.12,1.1,False,False,False,False,True,0.985,55.2,44.2,super_preferred_longevity,88.7,baseline,1.007,0.814,False,,False,,99459.89,4376.75,4779.6,4784.64,1136.35,False,0,4.9,4.84
LI-2024-INS004-000509,2009-06-02,11,63,74,1946,female,former_smoker,24.7,66,152,FL,USA,divorced,bachelors,professional,152492.04,0.7521,full_paramedical,126,84,220,41,5.37,86,5.1,False,,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-333,1.25,term_life,250000,semi_annual,1799.47,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.036694,0.052892,SOA_2015_VBT,SOA_Scale_MP2023,1.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009173,0.008,False,,1.0,False,,,,0.03,0.0461,False,normal_rate,3.26,1.4,False,False,False,False,False,0.898,28.5,19.5,standard_longevity,53.0,baseline,0.936,0.787,True,67.4,False,,250000.0,12941.63,12860.32,14035.87,3490.97,False,0,-0.06,9.73
LI-2024-INS004-000510,2023-05-21,2,34,36,1989,female,never_smoker,36.5,69,246,MD,USA,single,graduate,professional,185588.72,0.2897,limited_exam,123,74,192,41,4.68,108,5.0,False,,,True,True,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-492,2.25,term_life,100000,quarterly,749.85,20.0,none,,,,False,none,bank,False,False,False,0.001608,0.00685,SOA_2015_VBT,SOA_Scale_MP2023,2.347,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.02,False,,1.0,False,,,,0.07,0.1439,False,normal_rate,3.8,2.55,False,False,False,False,False,0.861,66.1,55.0,super_preferred_longevity,100.0,baseline,1.283,0.378,False,,False,,100000.0,6478.58,6043.01,5998.8,1424.71,False,0,-0.85,-20.0
LI-2024-INS004-000511,2021-08-14,4,67,71,1954,male,never_smoker,34.2,64,199,UT,USA,married,less_than_hs,white_collar,91703.28,0.3219,full_paramedical,130,78,237,43,5.51,120,4.6,False,56.6,5.2,True,False,False,False,False,none,,none,none,anxiety,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,58,UW-314,1.25,term_life,250000,monthly,1937.21,30.0,none,,,,False,none,independent_broker,False,False,False,0.027689,0.059761,SOA_2015_VBT,SOA_Scale_MP2023,1.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006922,0.012,True,0.00475,1.0,False,,,,0.07,0.101,False,normal_rate,1.58,0.62,True,False,False,False,False,0.837,20.3,16.3,standard_longevity,41.8,baseline,1.259,0.252,False,,False,,250000.0,13097.55,11896.11,12630.61,4254.11,False,0,1.21,10.1
LI-2024-INS004-000512,2020-02-18,6,63,69,1957,male,former_smoker,34.1,76,280,CA,USA,divorced,bachelors,professional,21267.73,0.8466,full_paramedical,125,71,227,35,6.49,94,5.4,False,,8.13,True,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-089,1.5,term_life,500000,monthly,4634.16,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.031344,0.061783,SOA_2015_VBT,SOA_Scale_MP2023,1.59,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015672,0.012,True,0.003,1.0,False,,,,0.05,0.0716,False,normal_rate,2.53,1.09,False,False,False,False,False,0.845,29.9,28.6,preferred_longevity,78.1,baseline,0.865,0.803,True,88.5,False,,500000.0,36916.71,33332.83,37073.28,8804.9,False,0,2.94,3.01
LI-2024-INS004-000513,2000-08-24,19,50,69,1950,female,never_smoker,25.4,64,147,AZ,USA,single,some_college,white_collar,30678.08,0.4319,simplified_issue,146,78,259,58,4.47,83,,False,64.3,,False,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,24,UW-235,2.5,term_life,500000,quarterly,8036.06,25.0,none,,,,True,none,independent_broker,False,False,False,0.017726,0.080373,SOA_2015_VBT,SOA_Scale_MP2023,2.58,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026588,0.012,False,,1.0,False,,,,0.03,0.0406,False,normal_rate,4.31,2.04,False,False,False,False,False,0.86,41.2,20.3,standard_longevity,49.4,baseline,1.176,0.302,True,1.9,False,,500000.0,63359.98,55651.29,64288.48,15268.51,False,0,3.43,-16.58
LI-2024-INS004-000514,2023-11-26,4,25,29,1998,female,former_smoker,35.4,61,187,MT,USA,single,bachelors,white_collar,123919.46,0.7042,full_paramedical,126,72,222,50,4.44,96,4.7,False,112.1,,True,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-112,2.0,universal_life,2000000,semi_annual,10471.81,,10yr_declining,7564.1,2556.67,0.338,True,quota_share,captive_agent,False,False,False,0.00145,0.004325,SOA_2015_VBT,SOA_Scale_MP2023,2.041,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00145,0.022,False,,1.0,False,,,,0.08,0.0246,False,normal_rate,3.54,0.68,False,False,False,False,False,0.824,70.0,55.0,super_preferred_longevity,100.0,baseline,0.972,0.706,False,,False,,1992435.9,86638.6,77484.58,83774.48,19896.44,False,0,0.16,-1.8
LI-2024-INS004-000515,2007-02-20,18,43,61,1964,female,never_smoker,29.9,72,220,NM,USA,single,high_school,white_collar,20000.0,0.8795,full_paramedical,142,83,196,49,4.0,79,,False,84.6,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-374,1.25,term_life,1000000,annual,6545.28,25.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.010476,0.015032,SOA_2015_VBT,SOA_Scale_MP2023,1.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002619,0.015,False,,1.0,False,,,,0.03,0.0418,False,normal_rate,4.52,1.71,False,False,False,False,False,0.936,55.3,44.9,super_preferred_longevity,100.0,baseline,0.84,0.929,True,89.5,False,,1000000.0,56633.35,45030.27,52362.24,12436.03,False,0,5.44,18.35
LI-2024-INS004-000516,2021-03-19,1,24,25,1997,female,never_smoker,18.9,66,117,NM,USA,single,high_school,professional,266043.82,0.6727,simplified_issue,108,58,172,61,2.82,67,,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,30,UW-070,0.68,term_life,250000,monthly,393.07,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.000946,0.003102,SOA_2015_VBT,SOA_Scale_MP2023,0.597,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00254,1.0,True,2025-10-07,unknown,1.0,0.1,0.1627,False,normal_rate,2.18,0.69,False,False,False,False,False,0.852,70.0,55.0,super_preferred_longevity,100.0,baseline,0.995,0.628,False,,False,,250000.0,3371.96,2732.44,3144.56,746.83,False,0,4.33,25.76
LI-2024-INS004-000517,2003-03-20,12,47,59,1956,female,never_smoker,19.1,60,97,WI,USA,married,some_college,light_blue_collar,20000.0,0.5784,full_paramedical,121,83,190,51,3.73,98,,False,86.6,,False,False,False,False,True,lung,0.9,none,none,anxiety,0,False,False,False,False,True,declined,,,False,False,True,False,33,UW-256,7.0,term_life,5000000,monthly,188097.28,20.0,none,,,,True,none,worksite,False,False,False,0.008048,0.112875,SOA_2015_VBT,SOA_Scale_MP2023,7.527,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048288,0.012,False,,1.0,False,,,,0.03,0.0371,False,normal_rate,3.28,1.11,False,False,False,False,False,0.922,45.7,33.7,preferred_longevity,71.7,baseline,1.066,0.718,False,,False,,5000000.0,1581315.17,1292727.6,1504778.24,357384.83,False,0,-5.0,-20.0
LI-2024-INS004-000518,2001-04-16,6,61,67,1940,female,current_smoker,28.1,63,158,MI,USA,married,some_college,white_collar,28348.37,0.6626,full_paramedical,136,84,212,53,4.0,106,5.4,True,72.5,,False,False,False,False,False,none,,none,severe_gold_3,none,8,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,17,UW-415,3.25,term_life,1000000,quarterly,16640.92,25.0,none,,,,True,facultative,employer_group,False,False,False,0.029203,0.173237,SOA_2015_VBT,SOA_Scale_MP2023,3.671,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065706,0.008,False,,1.0,False,,,,0.05,0.0702,False,normal_rate,3.96,2.67,False,False,False,False,False,0.953,29.3,27.7,preferred_longevity,64.0,baseline,1.003,0.671,True,85.9,False,,1000000.0,124665.71,118160.37,133127.36,31617.75,False,0,1.35,-20.0
LI-2024-INS004-000519,2003-12-18,8,43,51,1960,female,never_smoker,24.8,62,135,IN,USA,married,bachelors,professional,75836.83,0.7119,non_med_guaranteed,129,80,199,36,5.53,76,,False,,,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-157,1.25,term_life,1000000,semi_annual,4797.49,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.004303,0.006717,SOA_2015_VBT,SOA_Scale_MP2023,1.357,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001076,0.015,False,,1.0,False,,,,0.05,0.0791,False,normal_rate,4.01,1.71,False,False,False,False,False,0.766,51.0,43.0,super_preferred_longevity,87.7,baseline,0.966,0.68,False,,False,,1000000.0,35255.39,35696.86,38379.92,9115.23,False,0,4.95,18.79
LI-2024-INS004-000520,2006-04-20,7,48,55,1958,female,never_smoker,30.0,65,180,DE,USA,married,high_school,light_blue_collar,20000.0,0.6627,simplified_issue,125,65,251,44,5.7,100,,False,,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-095,1.25,universal_life,500000,annual,2729.55,,10yr_declining,2091.38,,,False,none,captive_agent,False,False,False,0.0059,0.009482,SOA_2015_VBT,SOA_Scale_MP2023,1.353,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001475,0.012,False,,1.0,False,,,,0.06,0.0316,False,normal_rate,2.22,0.89,False,False,False,False,False,0.924,45.3,38.3,preferred_longevity,79.9,baseline,1.003,0.625,False,,False,,497908.62,23307.23,20167.47,21836.4,5186.15,False,0,3.63,12.34
LI-2024-INS004-000521,2009-08-14,3,40,43,1969,male,current_smoker,31.0,73,235,MI,USA,married,high_school,light_blue_collar,230803.29,0.5271,full_paramedical,145,82,223,51,4.37,105,5.1,True,86.0,1.5,True,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,5,UW-351,1.75,universal_life,100000,annual,706.02,,15yr_declining,455.49,,,False,none,bank,True,False,False,0.006342,0.017585,SOA_2015_VBT,SOA_Scale_MP2023,1.831,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004757,0.015,False,,1.0,False,,,,0.08,0.046,False,normal_rate,3.02,1.98,False,False,False,False,False,0.916,53.7,56.5,super_preferred_longevity,100.0,baseline,1.105,0.708,True,67.5,False,,99544.51,5886.65,5289.82,5648.16,1341.44,False,0,1.15,-5.33
LI-2024-INS004-000522,2013-10-06,3,67,70,1946,female,never_smoker,25.9,66,160,OR,USA,married,bachelors,white_collar,177130.9,0.7772,full_paramedical,140,84,179,42,4.26,117,5.4,False,76.3,,False,False,True,False,True,melanoma,8.9,none,none,anxiety,7,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,34,UW-098,1.5,term_life,250000,monthly,2270.84,20.0,none,,,,False,none,captive_agent,False,False,False,0.019901,0.040721,SOA_2015_VBT,SOA_Scale_MP2023,1.686,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00995,0.008,False,,1.0,False,,,,0.07,0.0755,False,normal_rate,3.2,2.03,False,False,False,False,False,0.932,27.6,24.6,preferred_longevity,71.1,baseline,0.917,0.806,False,,False,,250000.0,17396.34,16474.59,18166.72,4314.6,False,0,4.24,8.18
LI-2024-INS004-000523,2005-07-20,5,78,83,1927,female,never_smoker,28.1,65,169,MI,USA,divorced,less_than_hs,professional,27382.21,0.3448,full_paramedical,139,91,200,47,4.26,89,5.8,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-146,2.0,term_life,500000,quarterly,7692.88,10.0,none,,,,True,quota_share,independent_broker,False,False,False,0.045411,0.170449,SOA_2015_VBT,SOA_Scale_MP2023,2.218,cancer,True,2009-10-28,False,False,548194.64,0.0007,5e-05,1.095,0.045411,0.012,False,,1.0,False,,,,0.07,0.0997,False,normal_rate,3.31,1.03,False,False,False,False,False,0.858,9.4,4.4,sub_standard_longevity,24.3,baseline,1.241,0.456,False,,False,,500000.0,13991.59,12906.76,13539.47,24217.19,False,0,3.19,-8.5
LI-2024-INS004-000524,2014-10-18,10,57,67,1957,male,never_smoker,23.7,63,133,TN,USA,single,graduate,white_collar,42272.25,0.6438,accelerated_UW,111,72,226,47,4.81,96,5.1,False,89.8,1.81,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,True,5,UW-278,0.62,universal_life,500000,annual,1505.41,,10yr_declining,1374.47,,,False,none,captive_agent,False,False,False,0.020257,0.013351,SOA_2015_VBT,SOA_Scale_MP2023,0.648,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.032,False,normal_rate,4.43,2.03,False,False,False,False,False,0.831,32.1,21.0,standard_longevity,53.7,baseline,1.017,0.722,False,,True,-0.732,498625.53,13190.78,12468.05,12043.28,2860.28,False,0,6.35,28.86
LI-2024-INS004-000525,2000-11-11,14,68,82,1932,male,current_smoker,26.4,67,168,MD,USA,single,bachelors,white_collar,81226.41,0.478,full_paramedical,135,86,185,65,2.85,67,4.9,True,67.9,9.28,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-447,1.5,universal_life,500000,monthly,5526.98,,15yr_declining,5737.75,,,True,quota_share,independent_broker,False,False,False,0.139678,0.31857,SOA_2015_VBT,SOA_Scale_MP2023,1.56,neurological,True,2006-05-07,False,False,1039188.5,0.0007,5e-05,1.095,0.069839,0.005,False,,1.0,False,,,,0.04,0.0237,False,normal_rate,5.39,1.31,False,True,False,False,False,0.86,16.1,2.1,sub_standard_longevity,22.8,baseline,1.141,0.282,False,,True,0.025,494262.25,4252.18,4655.78,4642.66,18415.9,False,0,1.0,10.11
LI-2024-INS004-000526,2018-07-20,2,39,41,1979,female,never_smoker,33.7,61,178,ME,USA,married,some_college,professional,65989.7,0.2921,non_med_guaranteed,134,75,243,41,5.93,131,5.1,False,87.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,16,False,False,True,False,True,standard,,,False,True,False,False,46,UW-400,1.0,whole_life,1000000,annual,3659.23,,none,2376.01,,,True,excess_of_loss,independent_broker,False,False,False,0.002209,0.003008,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0821,False,normal_rate,2.51,2.76,False,False,False,False,False,0.865,56.5,56.7,super_preferred_longevity,100.0,baseline,1.281,0.331,True,46.3,False,,997623.99,27985.44,26974.84,29273.84,6952.54,False,0,1.08,12.63
LI-2024-INS004-000527,2013-03-22,3,44,47,1969,male,former_smoker,34.3,74,267,VT,USA,single,bachelors,white_collar,107123.15,0.3629,accelerated_UW,133,76,272,55,4.95,104,5.5,False,81.7,2.94,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,True,9,UW-229,1.0,universal_life,1000000,monthly,4374.58,,15yr_declining,2777.56,,,True,quota_share,bank,False,False,False,0.005526,0.007022,SOA_2015_VBT,SOA_Scale_MP2023,1.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0507,False,normal_rate,2.17,2.9,False,False,False,False,False,0.769,46.0,45.2,super_preferred_longevity,85.7,baseline,1.228,0.352,True,49.6,False,,997222.44,33951.87,31833.28,34996.64,8311.7,False,0,3.09,18.93
LI-2024-INS004-000528,2024-08-25,3,31,34,1993,female,never_smoker,29.4,67,187,AZ,USA,married,less_than_hs,professional,42863.18,0.3375,simplified_issue,136,89,159,69,2.3,118,4.5,False,97.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-468,1.25,term_life,1000000,annual,3498.43,30.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.001434,0.002704,SOA_2015_VBT,SOA_Scale_MP2023,1.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.022,False,,1.0,False,,,,0.07,0.5511,False,normal_rate,2.07,1.93,False,False,False,True,False,0.956,67.1,60.5,super_preferred_longevity,100.0,baseline,1.247,0.355,True,63.8,False,,1000000.0,30727.97,27515.43,27987.44,6647.02,False,0,4.62,9.84
LI-2024-INS004-000529,2002-02-20,25,62,87,1940,female,never_smoker,34.8,69,235,MA,USA,widowed,high_school,white_collar,20000.0,0.6514,full_paramedical,159,93,268,31,8.65,99,8.2,False,59.6,,False,False,False,False,False,none,,type_2,none,depression,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,34,UW-144,2.25,universal_life,1000000,monthly,16027.74,,10yr_declining,26396.79,,,True,none,direct_to_consumer,False,False,False,0.082634,0.302046,SOA_2015_VBT,SOA_Scale_MP2023,2.378,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.103292,0.008,False,,1.0,False,,,,0.04,0.066,False,normal_rate,3.44,2.0,False,False,False,False,False,0.808,28.2,3.2,sub_standard_longevity,27.1,baseline,1.011,0.57,False,,False,,973603.21,19137.16,18392.85,20515.51,51993.99,False,0,2.22,-9.7
LI-2024-INS004-000530,2023-03-19,2,63,65,1960,female,former_smoker,24.1,71,172,LA,USA,divorced,bachelors,professional,160606.66,0.4652,full_paramedical,134,80,270,38,7.11,103,5.0,False,73.5,,False,True,False,False,True,breast,0.6,none,none,none,1,False,False,False,True,True,standard,,,False,True,False,False,35,UW-376,1.0,universal_life,500000,semi_annual,2543.7,,10yr_declining,1711.39,,,False,none,captive_agent,False,False,False,0.018087,0.022568,SOA_2015_VBT,SOA_Scale_MP2023,1.084,respiratory,True,2025-02-05,True,True,955524.31,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0478,False,normal_rate,4.19,0.71,False,False,False,False,False,0.874,30.1,28.1,preferred_longevity,61.6,baseline,1.151,0.604,False,,False,,498288.61,19576.7,20826.04,20349.6,4833.03,False,0,3.71,19.6
LI-2024-INS004-000531,2009-02-07,7,23,30,1986,female,never_smoker,22.6,68,148,GA,USA,married,some_college,professional,90532.14,0.867,limited_exam,110,64,176,27,6.52,93,,False,84.9,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-414,2.0,universal_life,1000000,monthly,5072.42,,15yr_declining,3995.11,,,True,coinsurance,bank,False,False,False,0.001168,0.003238,SOA_2015_VBT,SOA_Scale_MP2023,2.086,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001168,0.02,False,,1.0,False,,,,0.06,0.0272,False,normal_rate,3.28,2.72,False,False,False,False,False,0.963,70.0,55.0,super_preferred_longevity,100.0,baseline,0.85,0.795,False,,False,,996004.89,38267.41,36160.54,40579.36,9637.6,False,0,-0.59,-5.55
LI-2024-INS004-000532,2018-04-10,2,52,54,1966,female,current_smoker,32.3,58,154,IL,USA,widowed,high_school,light_blue_collar,331071.39,0.7533,accelerated_UW,136,93,176,32,5.5,97,5.2,True,78.7,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,6,UW-089,2.0,term_life,500000,annual,4138.38,20.0,none,,,,True,excess_of_loss,captive_agent,True,False,False,0.011827,0.035979,SOA_2015_VBT,SOA_Scale_MP2023,2.184,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011827,0.015,False,,1.0,False,,,,0.07,0.0768,False,normal_rate,6.45,2.88,False,False,False,False,False,0.772,43.1,45.6,super_preferred_longevity,92.2,baseline,0.935,0.721,True,66.4,False,,500000.0,29864.29,31060.7,33107.04,7862.92,False,0,4.04,-13.76
LI-2024-INS004-000533,2022-02-02,4,57,61,1965,male,never_smoker,28.5,70,198,NE,USA,married,bachelors,white_collar,44192.06,0.4895,full_paramedical,115,74,219,56,3.91,90,,False,57.0,2.39,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred_plus,,,False,False,False,False,47,UW-329,0.69,term_life,1000000,monthly,3934.75,10.0,none,,,,True,facultative,bank,False,False,False,0.013294,0.015343,SOA_2015_VBT,SOA_Scale_MP2023,0.696,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00486,1.0,False,,,,0.07,0.0916,False,normal_rate,2.1,0.81,False,False,False,False,False,0.875,32.9,28.9,preferred_longevity,63.2,baseline,1.133,0.603,False,,False,,1000000.0,32655.37,30740.28,31478.0,7476.02,False,0,4.72,24.14
LI-2024-INS004-000534,2020-07-06,7,59,66,1961,male,never_smoker,17.5,72,128,AK,USA,married,bachelors,hazardous,133494.67,0.7651,full_paramedical,90,54,180,57,3.16,60,5.2,False,95.0,2.65,False,False,False,False,True,lung,4.0,none,none,none,1,False,False,False,False,True,declined,,,True,False,True,False,34,UW-339,7.0,whole_life,1000000,monthly,39460.6,,none,30852.43,,,True,none,bank,False,False,False,0.019254,0.230319,SOA_2015_VBT,SOA_Scale_MP2023,6.292,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.115527,0.015,True,0.00259,1.0,False,,,,0.02,0.0218,False,normal_rate,3.82,2.53,False,False,False,False,False,0.978,31.4,24.4,preferred_longevity,60.6,baseline,0.926,0.771,False,,False,,969147.57,285572.77,327033.52,315684.8,74975.14,False,0,-5.0,-20.0
LI-2024-INS004-000535,2016-07-01,7,69,76,1947,male,never_smoker,30.3,65,181,ID,USA,married,some_college,light_blue_collar,58509.63,0.6213,non_med_guaranteed,153,98,231,63,3.67,105,,False,87.7,8.2,False,True,False,False,False,none,,none,none,bipolar,3,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,32,UW-049,2.0,group_life,500000,quarterly,7005.98,,none,,,,True,quota_share,independent_broker,False,False,False,0.042355,0.140501,SOA_2015_VBT,SOA_Scale_MP2023,2.241,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042355,0.008,False,,1.0,False,,,,0.12,0.1444,False,normal_rate,1.29,1.56,False,False,False,False,False,0.763,18.2,11.2,standard_longevity,38.6,baseline,1.034,0.766,False,,False,,500000.0,29541.27,30815.56,31386.79,18243.57,False,0,1.87,-7.99
LI-2024-INS004-000536,2020-03-05,5,71,76,1949,male,never_smoker,26.0,63,146,IL,USA,married,less_than_hs,light_blue_collar,43251.12,0.7718,non_med_guaranteed,139,80,255,66,3.86,82,,False,91.8,10.23,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-392,1.25,term_life,250000,semi_annual,2119.41,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.043041,0.068801,SOA_2015_VBT,SOA_Scale_MP2023,1.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01076,0.008,True,0.00333,1.0,False,,,,0.07,0.0758,False,normal_rate,3.49,1.27,False,False,False,False,False,0.91,17.1,12.1,standard_longevity,42.2,baseline,0.921,0.732,False,,False,,250000.0,10740.92,9692.18,10257.94,5366.35,False,0,4.98,8.39
LI-2024-INS004-000537,2018-06-24,3,32,35,1986,female,never_smoker,23.7,58,113,KY,USA,divorced,bachelors,light_blue_collar,32085.34,0.7405,limited_exam,115,71,203,58,3.5,85,6.2,False,89.8,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-368,2.25,whole_life,100000,quarterly,711.38,,none,509.16,,,False,none,independent_broker,True,False,False,0.001517,0.005178,SOA_2015_VBT,SOA_Scale_MP2023,2.29,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.02,False,,1.0,False,,,,0.04,0.0443,False,normal_rate,4.18,1.71,False,False,False,False,False,0.805,66.5,58.3,super_preferred_longevity,100.0,baseline,0.945,0.565,True,52.0,False,,99490.84,5438.97,5749.9,5691.04,1351.62,False,0,2.49,-7.29
LI-2024-INS004-000538,2008-12-09,11,54,65,1954,female,never_smoker,29.3,60,149,MN,USA,married,high_school,professional,61837.44,0.8158,full_paramedical,118,66,187,55,3.4,76,5.1,False,83.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,13,UW-390,0.79,term_life,1000000,quarterly,4457.71,15.0,none,,,,True,none,bank,False,False,False,0.013139,0.009254,SOA_2015_VBT,SOA_Scale_MP2023,0.793,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0314,False,normal_rate,3.42,2.45,False,False,False,False,False,0.931,39.3,28.3,preferred_longevity,67.2,baseline,0.888,0.684,False,,False,,1000000.0,36366.72,32006.95,35661.68,8469.65,False,0,5.2,27.32
LI-2024-INS004-000539,2001-10-07,24,40,64,1961,female,never_smoker,31.6,71,226,IL,USA,divorced,high_school,professional,86129.05,0.5622,limited_exam,132,90,221,51,4.33,86,4.7,False,62.6,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-322,1.25,whole_life,250000,annual,1754.36,,none,2908.49,,,False,none,captive_agent,False,True,False,0.012955,0.022629,SOA_2015_VBT,SOA_Scale_MP2023,1.388,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003239,0.015,False,,1.0,False,,,,0.015,0.0188,False,normal_rate,5.13,0.68,False,False,False,False,False,0.85,53.6,29.6,preferred_longevity,65.3,baseline,1.078,0.548,False,,False,,247091.51,14861.7,13408.88,14034.88,3333.28,False,0,2.01,13.92
LI-2024-INS004-000540,2023-08-04,3,77,80,1946,male,never_smoker,32.6,60,166,PA,USA,single,some_college,white_collar,82857.31,0.7308,simplified_issue,150,96,227,34,6.68,90,5.7,False,64.2,7.29,False,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,39,UW-364,1.5,whole_life,5000000,monthly,49086.26,,none,31347.12,,,True,quota_share,captive_agent,False,False,False,0.059507,0.11625,SOA_2015_VBT,SOA_Scale_MP2023,1.527,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029753,0.008,False,,1.0,False,,,,0.04,0.0446,False,normal_rate,3.84,2.72,False,False,False,False,False,0.835,10.5,7.9,standard_longevity,35.3,baseline,0.952,0.597,True,49.1,False,,4968652.88,140209.68,147267.84,155112.58,140779.39,False,0,-0.79,3.8
LI-2024-INS004-000541,2010-09-05,6,23,29,1987,male,never_smoker,20.3,66,125,MS,USA,married,bachelors,heavy_blue_collar,87926.76,0.5497,full_paramedical,109,65,205,56,3.66,128,4.0,False,,,False,False,True,False,True,colorectal,1.2,none,none,bipolar,5,False,False,False,False,True,standard,0.57,,False,True,False,False,43,UW-154,1.0,term_life,500000,monthly,1161.99,25.0,none,,,,False,none,independent_broker,False,False,False,0.001394,0.001603,SOA_2015_VBT,SOA_Scale_MP2023,1.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.063,False,normal_rate,4.18,2.45,False,False,False,False,False,0.896,70.0,55.0,super_preferred_longevity,100.0,baseline,1.088,0.544,False,,False,,500000.0,9017.98,9351.94,9295.92,2207.78,False,0,1.24,21.86
LI-2024-INS004-000542,2001-08-01,11,41,52,1960,male,never_smoker,28.5,66,176,MD,USA,single,bachelors,light_blue_collar,86926.18,0.6073,accelerated_UW,130,73,233,41,5.68,60,5.5,False,80.8,2.7,False,False,False,False,False,none,,none,none,none,14,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,12,UW-443,1.25,term_life,250000,monthly,1351.98,20.0,none,,,,False,none,worksite,False,False,False,0.005827,0.010118,SOA_2015_VBT,SOA_Scale_MP2023,1.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001457,0.015,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,3.72,2.42,False,False,False,False,False,0.871,48.6,37.6,preferred_longevity,78.0,baseline,1.045,0.512,False,,False,,250000.0,11160.35,10695.21,10815.84,2568.76,False,0,5.49,10.25
LI-2024-INS004-000543,2005-06-12,17,47,64,1958,male,never_smoker,27.2,67,173,TN,USA,widowed,bachelors,white_collar,80844.9,0.8164,full_paramedical,160,93,239,37,6.46,95,,False,89.7,1.02,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-177,2.0,whole_life,500000,semi_annual,5887.28,,none,7158.8,,,False,none,independent_broker,False,False,False,0.015809,0.046626,SOA_2015_VBT,SOA_Scale_MP2023,2.196,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015809,0.012,False,,1.0,False,,,,0.015,0.0157,False,normal_rate,3.25,0.98,False,False,False,False,False,0.825,42.9,25.9,preferred_longevity,63.6,baseline,0.888,0.883,False,,False,,492841.2,48398.94,44216.2,47098.24,11185.83,False,0,3.01,-6.51
LI-2024-INS004-000544,2014-02-09,13,43,56,1971,female,unknown,29.2,68,191,KY,USA,married,some_college,light_blue_collar,41914.98,0.5457,non_med_guaranteed,130,84,202,43,4.7,111,5.0,False,75.5,,False,False,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-019,1.25,term_life,100000,annual,569.24,20.0,none,,,,False,none,captive_agent,False,False,False,0.008021,0.014498,SOA_2015_VBT,SOA_Scale_MP2023,1.428,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002005,0.018,False,,1.0,False,,,,0.03,0.0379,False,normal_rate,1.47,0.59,False,False,False,False,False,0.899,55.3,42.3,super_preferred_longevity,94.1,baseline,1.091,0.486,False,,False,,100000.0,4543.79,4264.72,4553.92,1081.56,False,0,1.69,14.21
LI-2024-INS004-000545,2016-06-11,2,61,63,1955,male,current_smoker,21.9,63,123,MS,USA,married,bachelors,light_blue_collar,31202.44,0.6141,limited_exam,140,93,176,42,4.19,72,5.7,True,71.9,1.6,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-030,2.0,whole_life,250000,semi_annual,2674.98,,none,1857.78,,,False,none,direct_to_consumer,False,False,False,0.027974,0.089093,SOA_2015_VBT,SOA_Scale_MP2023,2.102,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027974,0.012,False,,1.0,False,,,,0.04,0.0677,False,normal_rate,3.02,2.01,False,False,False,False,False,0.963,27.7,25.7,preferred_longevity,60.3,baseline,1.039,0.665,False,,False,,248142.22,21889.84,20039.72,21399.84,5082.46,False,0,1.2,-5.76
LI-2024-INS004-000546,2007-06-16,19,63,82,1944,male,former_smoker,24.8,62,135,LA,USA,married,less_than_hs,hazardous,21028.53,0.5988,limited_exam,156,98,232,57,4.07,74,5.8,False,64.2,11.86,False,False,False,False,True,prostate,22.8,none,none,substance_use_disorder,0,False,False,False,False,True,substandard_table_5,4.94,5.0,True,False,False,False,47,UW-122,2.25,group_life,500000,semi_annual,7951.13,,none,,,,False,none,employer_group,True,False,False,0.090495,0.335276,SOA_2015_VBT,SOA_Scale_MP2023,2.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.113119,0.008,False,,1.0,False,,,,0.1,0.1465,False,normal_rate,5.25,0.72,False,False,False,False,False,0.792,23.6,4.9,sub_standard_longevity,28.8,baseline,1.051,0.481,True,56.6,False,,500000.0,14261.29,15199.66,15584.21,24712.11,False,0,0.92,-20.0
LI-2024-INS004-000547,2005-07-03,4,77,81,1928,female,former_smoker,29.4,66,182,GA,USA,divorced,bachelors,white_collar,37623.34,0.827,limited_exam,161,98,227,43,5.28,87,5.0,False,71.4,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-050,2.0,universal_life,1000000,monthly,14252.37,,10yr_declining,9845.25,3997.17,0.406,True,quota_share,independent_broker,True,False,False,0.05029,0.139617,SOA_2015_VBT,SOA_Scale_MP2023,2.019,neurological,True,2008-08-08,False,False,232390.8,0.0007,5e-05,1.095,0.05029,0.012,False,,1.0,False,,,,0.08,0.0224,False,normal_rate,3.81,1.57,False,False,False,False,False,0.846,12.5,8.5,standard_longevity,37.7,baseline,0.88,0.715,False,,False,,990154.75,48425.64,41967.31,48458.06,40191.68,False,0,3.33,0.62
LI-2024-INS004-000548,2004-03-01,3,78,81,1926,male,never_smoker,25.5,66,158,LA,USA,widowed,graduate,professional,50355.6,0.7424,limited_exam,132,80,269,61,4.41,105,,False,73.9,3.56,False,False,True,False,True,prostate,1.7,none,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,False,37,UW-398,1.0,whole_life,250000,annual,1751.4,,none,1206.81,,,False,none,captive_agent,False,False,False,0.047202,0.045011,SOA_2015_VBT,SOA_Scale_MP2023,1.011,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0442,False,normal_rate,3.45,1.81,False,False,False,False,False,0.761,9.8,6.8,standard_longevity,43.8,baseline,0.943,0.806,False,,False,,248793.19,4658.94,4596.41,4763.81,5177.14,False,0,5.62,29.23
LI-2024-INS004-000549,2021-03-13,3,72,75,1949,female,former_smoker,35.8,62,195,NJ,USA,married,bachelors,light_blue_collar,71301.38,0.6093,full_paramedical,130,88,217,42,5.17,106,6.6,False,,,False,False,False,False,False,none,,type_2,none,anxiety,13,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,20,UW-153,1.5,term_life,1000000,quarterly,10003.95,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.04102,0.093364,SOA_2015_VBT,SOA_Scale_MP2023,1.622,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02051,0.008,True,0.00346,1.0,False,,,,0.07,0.0849,False,normal_rate,3.56,1.49,False,False,False,False,False,0.833,19.4,16.8,standard_longevity,46.8,baseline,1.043,0.513,False,,True,0.242,1000000.0,64231.89,58727.3,67226.54,21568.52,False,0,2.32,5.31
LI-2024-INS004-000550,2007-02-20,13,33,46,1974,female,former_smoker,15.7,63,90,MT,USA,married,high_school,hazardous,116541.63,0.5915,full_paramedical,106,61,207,63,3.29,62,,False,105.9,,True,False,False,False,True,melanoma,2.8,none,none,substance_use_disorder,0,False,False,False,False,True,declined,,,True,True,True,False,53,UW-328,7.0,term_life,500000,semi_annual,15013.15,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.004101,0.053181,SOA_2015_VBT,SOA_Scale_MP2023,6.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024606,0.018,False,,1.0,False,,,,0.03,0.0368,False,normal_rate,5.6,0.56,False,False,False,False,False,0.811,62.9,47.1,super_preferred_longevity,92.0,baseline,1.056,0.421,True,13.8,False,,500000.0,110218.79,123969.76,120105.2,28524.99,False,0,-5.0,-20.0
LI-2024-INS004-000551,2002-10-11,17,41,58,1961,female,never_smoker,16.8,65,100,AL,USA,divorced,some_college,white_collar,153296.04,0.4018,accelerated_UW,124,74,212,63,3.37,80,4.9,False,83.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,3,UW-169,2.25,term_life,500000,monthly,5061.09,20.0,none,,,,False,none,captive_agent,False,False,False,0.007762,0.032263,SOA_2015_VBT,SOA_Scale_MP2023,2.425,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009702,0.015,False,,1.0,False,,,,0.03,0.0414,False,normal_rate,3.97,1.63,False,False,False,False,False,0.806,52.0,35.0,preferred_longevity,71.0,baseline,1.199,0.298,False,,False,,500000.0,36930.9,37555.5,40488.72,9616.07,False,0,1.85,-11.43
LI-2024-INS004-000552,2010-11-27,15,63,78,1947,female,current_smoker,22.1,61,117,SD,USA,married,bachelors,heavy_blue_collar,31969.68,0.7411,full_paramedical,128,79,216,47,4.6,74,,True,,,False,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,5,False,False,False,False,False,standard,1.03,,False,True,False,False,12,UW-359,1.0,indexed_ul,500000,monthly,3558.67,,15yr_declining,3973.16,,,False,none,employer_group,False,False,False,0.080672,0.076474,SOA_2015_VBT,SOA_Scale_MP2023,1.004,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0239,False,normal_rate,3.07,2.62,False,False,False,False,False,0.779,28.7,13.7,standard_longevity,44.2,baseline,0.944,0.868,False,,False,,496026.84,20682.31,18189.28,19501.51,8555.04,False,0,6.47,17.61
LI-2024-INS004-000553,2003-01-16,19,79,98,1924,male,never_smoker,33.6,74,261,UT,USA,married,some_college,white_collar,109239.63,0.4753,full_paramedical,148,96,224,37,6.05,77,5.0,False,70.3,8.14,False,True,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-179,1.5,universal_life,100000,monthly,1211.47,,10yr_declining,1570.74,,,False,none,employer_group,False,False,False,0.186447,0.433288,SOA_2015_VBT,SOA_Scale_MP2023,1.595,cardiovascular,True,2014-09-10,False,False,1019318.47,0.0007,5e-05,1.095,0.093223,0.012,False,,1.0,False,,,,0.04,0.0633,False,normal_rate,5.22,1.61,False,False,False,True,False,0.891,5.0,1.0,sub_standard_longevity,21.1,baseline,1.144,0.494,False,,False,,98429.26,509.49,431.78,484.59,4143.23,False,0,-0.5,7.95
LI-2024-INS004-000554,2013-03-13,8,32,40,1981,male,never_smoker,34.1,74,265,CO,USA,single,some_college,professional,169546.36,0.3777,full_paramedical,120,72,195,46,4.24,123,4.9,False,,0.84,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-111,1.25,universal_life,2000000,semi_annual,7805.35,,15yr_declining,6328.73,,,True,facultative,independent_broker,False,False,False,0.002583,0.004614,SOA_2015_VBT,SOA_Scale_MP2023,1.263,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000646,0.02,False,,1.0,False,,,,0.06,0.0377,False,normal_rate,4.49,2.79,False,False,False,False,False,0.945,60.3,52.8,super_preferred_longevity,97.4,baseline,1.217,0.317,True,36.7,False,,1993671.27,62913.44,57969.25,62442.8,14830.17,False,0,3.22,16.61
LI-2024-INS004-000555,2019-05-03,6,26,32,1993,male,current_smoker,19.4,61,102,MO,USA,divorced,high_school,professional,71221.89,0.8113,simplified_issue,135,84,239,62,3.85,96,4.8,True,98.2,,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,33,UW-411,2.5,term_life,250000,semi_annual,1804.86,20.0,none,,,,True,quota_share,bank,True,False,False,0.003222,0.012708,SOA_2015_VBT,SOA_Scale_MP2023,2.741,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004834,0.022,False,,1.0,False,,,,0.05,0.0525,False,normal_rate,1.45,1.86,True,False,False,False,False,0.972,70.0,58.5,super_preferred_longevity,100.0,baseline,0.892,0.894,True,53.3,False,,250000.0,13370.58,12626.35,14438.88,3429.23,False,0,1.51,-13.23
LI-2024-INS004-000556,2015-01-03,12,57,69,1958,female,never_smoker,25.0,64,145,PA,USA,married,bachelors,heavy_blue_collar,20000.0,0.4499,limited_exam,120,75,207,50,4.14,95,4.9,False,76.9,,True,False,False,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,substandard_table_5,0.97,5.0,False,False,False,False,15,UW-159,2.25,term_life,500000,quarterly,7005.33,15.0,none,,,,False,none,captive_agent,False,False,False,0.019523,0.079262,SOA_2015_VBT,SOA_Scale_MP2023,2.417,cancer,True,2015-12-08,True,True,184308.27,0.0007,5e-05,1.095,0.024404,0.012,False,,1.0,False,,,,0.03,0.0402,False,normal_rate,3.83,0.9,False,False,False,False,False,0.818,35.5,26.1,standard_longevity,58.4,baseline,1.163,0.476,True,66.3,False,,500000.0,54483.0,51745.0,56042.64,13310.13,False,0,-1.03,-8.71
LI-2024-INS004-000557,2012-05-17,10,49,59,1963,male,former_smoker,23.7,62,129,LA,USA,married,high_school,professional,143814.47,0.3952,full_paramedical,107,70,211,61,3.46,110,5.0,False,112.3,2.35,False,False,False,True,False,none,,none,none,none,5,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,47,UW-150,2.5,universal_life,2000000,annual,26939.47,,15yr_declining,24376.78,,,True,none,bank,False,False,False,0.014145,0.066061,SOA_2015_VBT,SOA_Scale_MP2023,2.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021217,0.015,False,,1.0,True,2026-01-04,voluntary_surrender,10.0,0.06,0.0374,False,normal_rate,3.24,1.34,False,False,True,False,False,0.926,40.2,30.2,preferred_longevity,63.7,baseline,1.204,0.351,False,,False,,1975623.22,222570.01,197940.05,215515.76,51184.99,False,0,2.48,-20.0
LI-2024-INS004-000558,2019-11-15,2,18,20,2001,male,current_smoker,30.0,73,227,NM,USA,married,less_than_hs,white_collar,124768.41,0.742,limited_exam,111,79,157,51,3.08,120,,True,,,True,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-102,1.5,universal_life,500000,quarterly,1261.99,,10yr_declining,874.21,,,False,none,employer_group,False,False,False,0.002013,0.004129,SOA_2015_VBT,SOA_Scale_MP2023,1.644,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001007,0.012,False,,1.0,False,,,,0.08,0.0478,False,normal_rate,3.71,2.51,False,False,False,False,False,0.958,70.0,55.0,super_preferred_longevity,100.0,baseline,0.944,0.878,False,,False,,499125.79,10911.75,9523.78,10095.92,2397.78,False,0,0.15,3.91
LI-2024-INS004-000559,2014-05-23,2,72,74,1942,non_binary,unknown,29.7,65,178,NJ,USA,divorced,bachelors,white_collar,37440.95,0.2148,accelerated_UW,157,99,174,48,3.62,107,,False,,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,16,UW-363,1.5,universal_life,500000,semi_annual,5170.65,,10yr_declining,3536.28,,,False,none,independent_broker,False,False,False,0.035363,0.09964,SOA_2015_VBT,SOA_Scale_MP2023,1.731,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017681,0.008,False,,1.0,False,,,,0.08,0.077,False,normal_rate,2.38,2.94,False,False,False,False,False,0.974,12.8,10.8,sub_standard_longevity,31.9,baseline,1.339,0.271,False,,False,,496463.72,23279.86,20359.85,22337.21,13629.83,False,0,2.35,2.79
LI-2024-INS004-000560,2021-11-02,2,71,73,1950,female,never_smoker,35.2,70,245,LA,USA,divorced,bachelors,light_blue_collar,34297.62,0.79,full_paramedical,138,88,244,36,6.78,86,6.2,False,67.7,,True,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,39,UW-065,1.5,term_life,500000,monthly,4232.16,30.0,none,,,,False,none,captive_agent,False,False,False,0.025138,0.04961,SOA_2015_VBT,SOA_Scale_MP2023,1.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012569,0.012,True,0.00052,1.0,False,,,,0.07,0.0748,False,normal_rate,4.4,0.65,False,False,False,False,False,0.796,21.6,19.6,standard_longevity,53.8,baseline,0.907,0.802,False,,False,,500000.0,34578.64,33194.35,33180.13,8176.53,False,0,2.34,7.14
LI-2024-INS004-000561,2005-07-10,3,76,79,1929,male,unknown,30.3,70,211,AL,USA,divorced,bachelors,white_collar,23342.04,0.5633,limited_exam,128,83,205,47,4.36,95,5.1,False,,4.96,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-391,2.0,term_life,500000,monthly,7002.95,20.0,none,,,,False,none,independent_broker,True,False,False,0.047327,0.161608,SOA_2015_VBT,SOA_Scale_MP2023,2.241,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.047327,0.012,False,,1.0,False,,,,0.07,0.3378,False,normal_rate,2.16,2.35,False,False,False,True,True,0.891,8.6,7.1,sub_standard_longevity,31.6,baseline,1.078,0.434,False,,True,1.018,500000.0,20762.29,17474.92,19888.38,20532.65,False,0,3.01,-7.21
LI-2024-INS004-000562,2018-01-23,1,80,81,1938,male,former_smoker,24.1,73,182,TN,USA,married,high_school,professional,30941.92,0.4612,full_paramedical,116,69,219,44,4.98,86,4.6,False,,13.11,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,27,UW-227,1.25,annuity_deferred,1000000,quarterly,7940.36,,none,4873.81,,,True,quota_share,bank,False,False,False,0.085824,0.162701,SOA_2015_VBT,SOA_Scale_MP2023,1.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021456,0.005,False,,1.0,False,,,,0.06,0.0799,False,normal_rate,4.22,2.18,False,False,False,False,False,0.834,5.0,4.0,sub_standard_longevity,25.4,baseline,1.154,0.403,False,,False,,995126.19,12625.33,12562.07,12704.58,25250.34,False,0,7.52,9.12
LI-2024-INS004-000563,2006-04-27,17,69,86,1937,male,never_smoker,23.9,60,122,IA,USA,married,high_school,heavy_blue_collar,24403.83,0.5175,limited_exam,130,87,230,41,5.61,110,5.6,False,63.4,14.41,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,0.96,1.0,False,False,False,False,10,UW-178,1.25,term_life,2000000,monthly,16127.65,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.100832,0.166918,SOA_2015_VBT,SOA_Scale_MP2023,1.264,cardiovascular,True,2014-04-26,False,False,152285.35,0.0007,5e-05,1.095,0.025208,0.005,False,,1.0,False,,,,0.03,0.0386,False,normal_rate,3.41,2.09,False,False,False,False,False,0.835,19.0,2.2,sub_standard_longevity,33.6,baseline,1.112,0.668,True,66.0,False,,2000000.0,14723.34,12912.62,14192.33,53608.31,False,0,0.16,16.36
LI-2024-INS004-000564,2009-02-03,6,55,61,1954,male,never_smoker,28.7,62,157,IA,USA,married,bachelors,professional,107948.62,0.8506,accelerated_UW,132,74,183,51,3.59,126,4.9,False,,5.97,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,30,UW-241,2.0,term_life,1000000,quarterly,9703.56,30.0,none,,,,True,none,independent_broker,False,False,False,0.011641,0.033256,SOA_2015_VBT,SOA_Scale_MP2023,2.154,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011641,0.012,False,,1.0,False,,,,0.05,0.051,False,normal_rate,3.48,0.83,False,False,False,False,False,0.963,34.5,28.5,preferred_longevity,68.0,baseline,0.862,0.996,False,,False,,1000000.0,81431.97,68066.64,77628.48,18436.76,False,0,2.59,3.33
LI-2024-INS004-000565,2021-11-28,6,52,58,1969,male,former_smoker,30.8,73,233,FL,USA,single,bachelors,professional,66492.16,0.7334,full_paramedical,147,87,221,58,3.81,98,5.1,False,64.2,2.6,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-111,1.5,universal_life,500000,quarterly,4085.07,,10yr_declining,3055.39,,,True,none,direct_to_consumer,False,False,False,0.013399,0.030865,SOA_2015_VBT,SOA_Scale_MP2023,1.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.015,True,0.00409,1.0,False,,,,0.06,0.0421,False,normal_rate,4.58,2.0,False,False,False,False,False,0.95,39.5,33.5,preferred_longevity,73.8,baseline,0.95,0.459,False,,False,,496944.61,33294.28,28028.58,32680.56,7761.63,False,0,3.54,12.12
LI-2024-INS004-000566,2012-11-04,4,42,46,1970,female,never_smoker,35.2,66,218,OH,USA,married,high_school,white_collar,51079.81,0.1848,full_paramedical,123,76,201,36,5.58,123,4.7,False,76.3,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-081,2.25,indexed_ul,1000000,annual,9895.05,,10yr_declining,6862.53,,,True,excess_of_loss,independent_broker,False,False,False,0.003155,0.013774,SOA_2015_VBT,SOA_Scale_MP2023,2.289,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,False,,1.0,False,,,,0.08,0.0782,False,normal_rate,2.18,2.31,False,False,False,False,False,0.88,51.7,52.2,super_preferred_longevity,93.6,baseline,1.361,0.16,True,61.8,False,,993137.47,80801.56,82363.23,79160.4,18800.59,False,0,-0.67,-16.22
LI-2024-INS004-000567,2019-10-21,6,54,60,1965,male,never_smoker,29.4,69,199,IN,USA,married,graduate,light_blue_collar,138741.34,0.5728,full_paramedical,141,84,231,65,3.55,90,,False,64.0,4.39,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,43,UW-421,2.25,whole_life,5000000,monthly,52632.89,,none,40636.76,,,True,excess_of_loss,captive_agent,False,False,False,0.012208,0.045811,SOA_2015_VBT,SOA_Scale_MP2023,2.338,cancer,True,2023-09-22,False,False,880480.65,0.0007,5e-05,1.095,0.01526,0.015,False,,1.0,False,,,,0.02,0.0248,False,normal_rate,3.12,2.43,False,False,False,False,False,0.889,36.2,32.6,preferred_longevity,70.0,baseline,1.07,0.492,True,58.0,False,,4959363.24,387329.37,399599.77,421063.12,100002.49,False,0,-0.81,-10.33
LI-2024-INS004-000568,2003-10-26,14,28,42,1975,male,never_smoker,27.6,75,221,AL,USA,divorced,high_school,light_blue_collar,49878.35,0.7655,non_med_guaranteed,123,71,205,47,4.36,81,5.3,False,,1.19,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,15,UW-050,0.92,term_life,100000,annual,349.79,25.0,none,,,,False,none,captive_agent,False,False,False,0.002957,0.002502,SOA_2015_VBT,SOA_Scale_MP2023,0.914,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0326,False,normal_rate,4.62,2.04,False,False,False,False,False,0.998,64.8,53.8,super_preferred_longevity,100.0,baseline,0.926,0.816,True,52.0,False,,100000.0,2918.02,2438.1,2798.32,664.6,False,0,2.88,20.66
LI-2024-INS004-000569,2018-11-14,5,38,43,1980,male,never_smoker,38.3,76,314,VT,USA,single,high_school,light_blue_collar,126980.45,0.3897,full_paramedical,134,90,231,41,5.63,126,5.3,False,,1.84,True,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,31,UW-041,1.5,universal_life,500000,monthly,2892.11,,10yr_declining,2257.57,,,False,none,independent_broker,False,False,False,0.003171,0.008146,SOA_2015_VBT,SOA_Scale_MP2023,1.713,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001586,0.02,False,,1.0,False,,,,0.08,0.05,False,normal_rate,2.84,1.58,False,False,False,False,False,0.823,54.2,49.2,super_preferred_longevity,92.1,baseline,1.208,0.338,False,,False,,497742.43,21411.28,22105.92,23136.88,5495.01,False,0,0.36,1.21
LI-2024-INS004-000570,2008-08-21,2,57,59,1951,female,never_smoker,22.2,61,117,MA,USA,single,some_college,white_collar,20000.0,0.3723,full_paramedical,123,83,217,56,3.88,87,,False,94.6,,False,False,True,False,False,none,,none,none,none,4,False,False,True,False,True,preferred,,,False,False,False,False,31,UW-017,0.77,universal_life,500000,quarterly,1842.99,,10yr_declining,1273.25,,,True,facultative,independent_broker,False,False,False,0.007577,0.00715,SOA_2015_VBT,SOA_Scale_MP2023,0.773,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0505,False,normal_rate,3.79,2.46,False,False,False,True,False,0.95,37.1,35.1,super_preferred_longevity,80.7,baseline,1.221,0.245,False,,False,,498726.75,13570.11,14243.1,14743.92,3501.68,False,0,4.73,22.79
LI-2024-INS004-000571,2004-12-11,13,72,85,1932,female,current_smoker,27.1,60,139,WA,USA,married,bachelors,heavy_blue_collar,105990.2,0.7241,limited_exam,134,87,205,60,3.42,112,4.5,True,,,True,False,False,True,True,breast,12.3,none,none,anxiety,4,False,False,False,False,True,declined,,,False,False,True,False,28,UW-326,7.0,term_life,2000000,quarterly,94525.54,20.0,none,,,,True,quota_share,bank,False,False,False,0.144517,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.408,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.03,0.0336,False,normal_rate,5.97,1.47,False,False,False,False,False,0.816,17.1,4.1,sub_standard_longevity,29.5,baseline,0.957,0.828,False,,False,,2000000.0,141665.48,137905.38,155021.89,299835.01,False,0,-5.0,-20.0
LI-2024-INS004-000572,2011-07-09,16,38,54,1973,male,former_smoker,20.3,74,157,NM,USA,married,bachelors,white_collar,66896.91,0.5196,full_paramedical,128,74,183,75,2.44,85,5.3,False,82.2,1.44,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,26,UW-497,1.0,annuity_immediate,250000,monthly,1032.21,,none,,,,False,none,employer_group,True,False,False,0.00961,0.010915,SOA_2015_VBT,SOA_Scale_MP2023,1.023,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.002,0.005,False,normal_rate,5.45,1.08,False,False,False,False,False,0.921,53.5,37.6,preferred_longevity,76.7,baseline,1.11,0.474,True,34.0,False,,250000.0,8997.49,7417.77,8257.68,1961.2,False,0,2.69,17.54
LI-2024-INS004-000573,2001-02-01,20,52,72,1949,male,never_smoker,19.6,73,148,HI,USA,married,some_college,light_blue_collar,51615.41,0.5879,simplified_issue,113,79,192,50,3.84,72,,False,74.7,15.94,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-007,2.25,group_life,250000,annual,3701.5,,none,,,,True,facultative,captive_agent,False,False,False,0.030347,0.114394,SOA_2015_VBT,SOA_Scale_MP2023,2.379,other,True,2011-12-30,False,False,465749.78,0.0007,5e-05,1.095,0.037934,0.008,False,,1.0,False,,,,0.1,0.123,False,normal_rate,1.65,1.27,False,False,False,False,False,0.971,35.3,16.1,standard_longevity,45.5,baseline,1.059,0.389,False,,True,0.5,250000.0,23970.22,20789.53,23837.66,8187.72,False,0,1.24,-13.99
LI-2024-INS004-000574,2014-02-19,13,63,76,1951,male,never_smoker,28.0,61,148,AK,USA,single,high_school,professional,33367.9,0.8553,limited_exam,125,80,180,67,2.69,82,,False,,6.95,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-118,2.25,whole_life,250000,annual,3874.33,,none,4111.39,,,False,none,employer_group,False,True,False,0.041332,0.134558,SOA_2015_VBT,SOA_Scale_MP2023,2.336,cancer,True,2018-03-06,False,False,663457.98,0.0007,5e-05,1.095,0.051665,0.012,False,,1.0,False,,,,0.015,0.0183,False,normal_rate,2.82,2.89,False,False,False,False,False,0.967,26.0,13.0,standard_longevity,44.8,baseline,0.859,1.0,False,,False,,245888.61,19962.9,20998.83,20146.52,9530.85,False,0,-0.58,-7.3
LI-2024-INS004-000575,2024-07-23,1,76,77,1948,male,never_smoker,32.3,64,188,IL,USA,married,bachelors,heavy_blue_collar,22141.02,0.5326,non_med_guaranteed,140,87,194,57,3.4,136,5.1,False,63.7,5.49,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,0.77,1.0,False,False,False,False,6,UW-459,1.25,universal_life,2000000,monthly,15664.19,,10yr_declining,9914.77,,,True,none,employer_group,False,False,False,0.046587,0.0783,SOA_2015_VBT,SOA_Scale_MP2023,1.3,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011647,0.008,False,,1.0,False,,,,0.12,0.0826,False,normal_rate,2.83,0.8,False,False,False,False,False,0.843,14.0,13.0,standard_longevity,50.0,baseline,1.101,0.714,False,,False,,1990085.23,83284.15,84458.83,81453.79,38533.91,False,0,-1.98,14.33
LI-2024-INS004-000576,2008-07-10,7,43,50,1965,female,never_smoker,34.7,67,221,CT,USA,divorced,bachelors,white_collar,143157.92,0.4063,full_paramedical,142,86,162,44,3.68,104,5.7,False,85.2,,False,True,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-065,1.25,universal_life,2000000,annual,9164.28,,10yr_declining,6992.02,,,True,none,worksite,True,False,False,0.004288,0.007673,SOA_2015_VBT,SOA_Scale_MP2023,1.288,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001072,0.015,False,,1.0,False,,,,0.06,0.0371,False,normal_rate,2.75,1.32,False,False,False,False,False,0.943,50.6,43.6,super_preferred_longevity,84.0,baseline,1.195,0.386,False,,False,,1993007.98,69764.7,66017.69,73314.24,17412.13,False,0,6.98,17.79
LI-2024-INS004-000577,2019-11-17,3,23,26,1996,female,former_smoker,16.1,58,90,WV,USA,married,high_school,professional,65586.03,0.8208,full_paramedical,111,73,172,61,2.82,86,5.5,False,91.8,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,preferred,,,False,False,False,False,17,UW-486,0.82,universal_life,1000000,monthly,1746.21,,10yr_declining,1213.41,,,True,quota_share,captive_agent,False,False,False,0.001278,0.000948,SOA_2015_VBT,SOA_Scale_MP2023,0.839,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0376,False,normal_rate,2.95,2.7,True,False,False,False,False,0.87,70.0,58.7,super_preferred_longevity,100.0,baseline,0.884,0.771,True,54.2,False,,998786.59,13683.68,12677.28,13969.68,3317.8,False,0,1.36,29.49
LI-2024-INS004-000578,2002-11-21,23,58,81,1944,male,never_smoker,25.2,66,155,WI,USA,single,bachelors,white_collar,136240.23,0.667,simplified_issue,119,71,268,45,5.96,87,5.0,False,68.5,4.9,False,False,True,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-092,1.25,annuity_deferred,250000,annual,2369.07,,none,3585.3,,,False,none,captive_agent,False,False,False,0.063854,0.107507,SOA_2015_VBT,SOA_Scale_MP2023,1.434,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015964,0.008,False,,1.0,False,,,,0.01,0.0117,False,normal_rate,4.77,2.01,False,False,False,False,False,0.854,31.9,8.9,standard_longevity,45.9,baseline,1.0,0.761,False,,False,,246414.7,8118.5,8698.71,8433.89,6604.97,False,0,5.5,8.38
LI-2024-INS004-000579,2008-05-10,17,61,78,1947,male,unknown,29.1,73,220,WA,USA,married,some_college,light_blue_collar,22803.14,0.8161,limited_exam,128,75,211,46,4.59,90,5.2,False,78.0,3.94,True,False,True,True,False,none,,none,none,anxiety,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,43,UW-346,2.5,universal_life,1000000,monthly,17647.92,,10yr_declining,21111.77,,,True,quota_share,captive_agent,False,False,False,0.057983,0.219754,SOA_2015_VBT,SOA_Scale_MP2023,2.579,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.086975,0.008,False,,1.0,False,,,,0.04,0.0419,False,normal_rate,4.97,2.28,False,False,False,False,False,0.992,30.0,14.8,standard_longevity,56.9,baseline,0.888,0.868,True,74.0,False,,978888.23,102646.45,107324.21,104475.69,40872.58,False,0,-0.49,-16.6
LI-2024-INS004-000580,2012-12-01,3,31,34,1981,male,never_smoker,22.3,62,121,AL,USA,single,some_college,white_collar,80049.19,0.3409,simplified_issue,93,64,185,41,4.51,101,5.4,False,93.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-131,2.25,universal_life,250000,annual,1416.17,,15yr_declining,939.8,,,False,none,captive_agent,False,False,False,0.001792,0.007618,SOA_2015_VBT,SOA_Scale_MP2023,2.411,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002241,0.02,False,,1.0,False,,,,0.08,0.0514,False,normal_rate,1.57,2.89,False,False,False,False,False,0.79,61.1,56.2,super_preferred_longevity,100.0,baseline,1.244,0.36,True,40.3,False,,249060.2,11455.37,11284.68,11329.36,2690.72,False,0,1.25,-20.0
LI-2024-INS004-000581,2006-01-26,18,18,36,1988,male,never_smoker,22.0,67,140,NC,USA,married,bachelors,professional,30095.76,0.9327,full_paramedical,118,75,226,61,3.7,118,,False,68.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,preferred_plus,,,False,False,False,False,17,UW-033,0.6,universal_life,1000000,annual,1840.53,,15yr_declining,2337.08,,,True,none,captive_agent,False,False,False,0.00201,0.000885,SOA_2015_VBT,SOA_Scale_MP2023,0.55,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0382,False,normal_rate,3.65,2.07,False,False,False,False,False,0.755,70.0,52.0,super_preferred_longevity,100.0,baseline,0.8,0.982,False,,False,,997662.92,14229.56,14531.15,14724.24,3497.01,False,0,2.38,26.94
LI-2024-INS004-000582,2011-02-02,4,50,54,1961,female,current_smoker,28.0,70,195,FL,USA,single,graduate,professional,55486.78,0.153,limited_exam,137,75,274,46,5.96,102,,True,,,False,True,False,False,True,colorectal,2.0,none,none,bipolar,12,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,43,UW-414,2.5,term_life,250000,monthly,2894.23,20.0,none,,,,False,none,captive_agent,False,False,False,0.011133,0.057724,SOA_2015_VBT,SOA_Scale_MP2023,2.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0167,0.015,False,,1.0,True,2025-07-07,replacement,4.0,0.07,0.1546,False,normal_rate,3.43,1.46,False,False,False,False,False,0.813,42.0,39.2,preferred_longevity,73.6,baseline,1.385,0.058,True,43.7,False,,250000.0,22015.78,20970.19,23153.84,5499.04,False,0,0.56,-17.75
LI-2024-INS004-000583,2000-07-04,13,45,58,1955,male,never_smoker,36.0,60,184,ME,USA,married,bachelors,light_blue_collar,39293.49,0.4056,full_paramedical,150,85,170,62,2.74,86,6.0,False,81.8,0.51,True,False,True,False,False,none,,pre_diabetes,none,schizophrenia,9,False,True,False,False,True,substandard_table_5,,5.0,False,False,False,False,51,UW-316,2.25,whole_life,1000000,monthly,9705.18,,none,10314.51,,,True,none,captive_agent,False,False,False,0.009135,0.037656,SOA_2015_VBT,SOA_Scale_MP2023,2.402,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011418,0.012,False,,1.0,False,,,,0.015,0.0206,False,normal_rate,4.23,2.84,False,False,False,False,False,0.837,45.8,34.2,preferred_longevity,79.9,baseline,1.196,0.302,True,47.1,False,,989685.49,76788.22,70718.32,77641.44,18439.84,False,0,-2.07,-17.48
LI-2024-INS004-000584,2008-12-02,10,79,89,1929,female,never_smoker,21.1,63,118,UT,USA,single,some_college,light_blue_collar,20000.0,0.3899,full_paramedical,134,90,215,47,4.57,123,5.6,False,,,False,False,False,False,False,none,,none,none,bipolar,14,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-273,2.0,whole_life,2000000,monthly,25801.79,,none,23899.79,,,True,facultative,bank,False,False,False,0.077341,0.287107,SOA_2015_VBT,SOA_Scale_MP2023,2.246,cancer,True,2015-01-07,False,False,1655229.42,0.0007,5e-05,1.095,0.077341,0.012,False,,1.0,False,,,,0.02,0.0278,False,normal_rate,5.05,0.95,False,False,False,False,False,0.933,8.9,1.0,sub_standard_longevity,19.8,baseline,1.208,0.456,False,,False,,1976100.21,10717.32,9381.57,10320.72,88242.12,False,0,4.76,-9.8
LI-2024-INS004-000585,2019-03-02,6,38,44,1981,female,never_smoker,17.8,65,107,RI,USA,widowed,high_school,white_collar,39442.01,0.3356,non_med_guaranteed,114,67,202,55,3.67,70,6.3,False,82.2,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-292,1.25,annuity_deferred,1000000,quarterly,5237.73,,none,3830.36,,,True,none,bank,False,False,False,0.002724,0.005262,SOA_2015_VBT,SOA_Scale_MP2023,1.347,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000681,0.02,False,,1.0,False,,,,0.02,0.0286,False,normal_rate,0.84,1.0,False,False,False,False,False,0.858,58.1,54.0,super_preferred_longevity,98.5,baseline,1.248,0.203,False,,True,1.273,996169.64,42019.32,37898.49,41901.84,9951.69,False,0,3.27,10.0
LI-2024-INS004-000586,2023-02-05,2,60,62,1963,male,unknown,23.1,75,184,CT,USA,married,bachelors,white_collar,56275.46,0.7651,accelerated_UW,121,81,185,62,2.98,77,5.1,False,77.0,3.99,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,,,False,False,False,True,19,UW-188,0.95,universal_life,2000000,monthly,10067.15,,10yr_declining,6678.38,,,True,facultative,worksite,False,False,False,0.016159,0.014711,SOA_2015_VBT,SOA_Scale_MP2023,0.983,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0392,False,normal_rate,4.05,2.77,False,False,False,False,False,0.903,30.7,28.7,preferred_longevity,67.0,baseline,0.926,0.754,False,,False,,1993321.62,77067.13,77837.47,80537.2,19127.58,False,0,2.26,25.91
LI-2024-INS004-000587,2023-11-27,3,37,40,1986,male,current_smoker,26.4,68,173,MD,USA,married,bachelors,heavy_blue_collar,146937.51,0.8576,non_med_guaranteed,126,76,240,32,7.5,85,,True,95.4,1.78,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_7,0.61,7.0,False,False,False,False,28,UW-376,2.75,term_life,500000,monthly,4640.32,20.0,none,,,,False,none,bank,False,False,False,0.005165,0.021643,SOA_2015_VBT,SOA_Scale_MP2023,2.848,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009039,0.02,False,,1.0,False,,,,0.07,0.071,False,normal_rate,5.12,2.01,False,False,False,False,False,0.98,57.9,54.9,super_preferred_longevity,100.0,baseline,0.857,0.828,False,,False,,500000.0,36754.6,37169.54,37122.56,8816.61,False,0,-0.97,-20.0
LI-2024-INS004-000588,2015-06-14,9,60,69,1955,male,never_smoker,21.4,69,144,IN,USA,widowed,bachelors,hazardous,110105.23,0.579,limited_exam,131,74,202,40,5.05,97,5.1,False,50.8,2.85,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,2.56,1.0,True,False,False,False,18,UW-261,1.25,whole_life,500000,annual,3267.21,,none,2788.9,,,False,none,captive_agent,False,False,False,0.023536,0.041176,SOA_2015_VBT,SOA_Scale_MP2023,1.407,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005884,0.012,False,,1.0,False,,,,0.02,0.0247,False,normal_rate,5.65,1.89,False,False,False,False,False,0.955,28.5,19.8,standard_longevity,50.9,baseline,1.066,0.602,True,39.2,False,,497211.1,28462.26,22710.31,25876.3,6259.98,False,0,3.67,20.24
LI-2024-INS004-000589,2012-06-07,8,28,36,1984,male,current_smoker,25.5,70,177,ME,USA,married,high_school,light_blue_collar,20000.0,0.5389,limited_exam,109,76,241,43,5.6,103,4.7,True,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,28,UW-468,1.75,annuity_immediate,100000,quarterly,515.75,,none,,,,True,quota_share,employer_group,False,False,False,0.00402,0.011102,SOA_2015_VBT,SOA_Scale_MP2023,1.836,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003015,0.02,False,,1.0,False,,,,0.003,0.005,False,normal_rate,3.79,2.5,False,False,False,False,False,0.909,65.4,55.0,super_preferred_longevity,100.0,baseline,1.096,0.525,False,,False,,100000.0,4260.24,3584.04,4126.0,979.92,False,0,-1.23,9.93
LI-2024-INS004-000590,2015-11-24,1,66,67,1949,female,never_smoker,41.4,65,248,CT,USA,divorced,high_school,light_blue_collar,54117.19,0.8854,full_paramedical,138,86,271,41,6.61,112,5.4,False,55.4,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-065,2.0,annuity_deferred,250000,annual,2679.6,,none,1677.85,,,False,none,employer_group,False,False,False,0.015696,0.043841,SOA_2015_VBT,SOA_Scale_MP2023,2.145,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015696,0.008,False,,1.0,False,,,,0.06,0.0714,False,normal_rate,3.28,2.64,False,False,False,False,False,0.794,26.5,28.7,preferred_longevity,68.8,baseline,0.836,0.728,True,70.6,False,,248322.15,21055.48,18346.61,21436.8,5091.24,False,0,-1.78,-7.32
LI-2024-INS004-000591,2023-04-13,4,54,58,1969,female,unknown,26.6,71,190,NV,USA,divorced,bachelors,professional,157809.2,0.5953,accelerated_UW,106,69,178,65,2.74,126,5.4,False,,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,13,UW-348,2.0,term_life,100000,semi_annual,1071.38,15.0,none,,,,False,none,bank,False,False,False,0.009482,0.029632,SOA_2015_VBT,SOA_Scale_MP2023,2.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009482,0.015,False,,1.0,False,,,,0.07,0.0857,False,normal_rate,4.26,2.32,False,False,False,False,False,0.964,40.9,38.0,preferred_longevity,78.4,baseline,1.054,0.471,True,43.2,False,,100000.0,8110.28,8544.8,8571.04,2035.62,False,0,0.89,-7.84
LI-2024-INS004-000592,2002-12-20,19,28,47,1974,female,former_smoker,29.1,67,185,AL,USA,divorced,high_school,professional,33191.63,0.4232,full_paramedical,152,85,197,55,3.58,98,5.2,False,,,False,False,False,False,True,breast,0.2,none,none,none,10,False,False,False,False,True,standard,,,False,True,False,False,45,UW-275,1.0,group_life,1000000,monthly,4388.67,,none,,,,True,none,captive_agent,False,False,False,0.004421,0.005521,SOA_2015_VBT,SOA_Scale_MP2023,1.056,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.1361,False,normal_rate,6.52,0.56,False,False,False,False,False,0.854,67.2,48.2,super_preferred_longevity,91.1,baseline,1.183,0.601,False,,False,,1000000.0,31970.69,31887.28,35109.36,8338.47,False,0,5.6,14.61
LI-2024-INS004-000593,2013-06-17,6,55,61,1958,male,former_smoker,30.3,75,242,OR,USA,married,bachelors,white_collar,58946.65,0.3833,full_paramedical,124,82,194,40,4.85,112,,False,77.8,2.91,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,22,UW-140,0.8,whole_life,500000,monthly,2025.09,,none,1464.25,,,True,coinsurance,worksite,False,False,False,0.015882,0.015791,SOA_2015_VBT,SOA_Scale_MP2023,0.82,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0279,False,normal_rate,4.74,0.65,False,False,False,False,False,0.911,33.2,27.2,standard_longevity,59.0,baseline,1.213,0.226,False,,False,,498535.75,16806.68,14001.31,16200.72,3847.67,False,0,2.86,23.41
LI-2024-INS004-000594,2012-05-04,1,46,47,1966,male,never_smoker,24.5,75,196,ND,USA,divorced,less_than_hs,professional,27240.76,0.0775,full_paramedical,111,66,158,62,2.55,99,,False,76.6,1.41,False,False,False,True,False,none,,none,none,schizophrenia,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,26,UW-069,2.5,whole_life,500000,monthly,5616.0,,none,3644.75,,,False,none,bank,False,True,False,0.004251,0.023072,SOA_2015_VBT,SOA_Scale_MP2023,2.724,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006376,0.015,False,,1.0,False,,,,0.06,0.1376,False,normal_rate,2.93,0.55,False,False,False,False,False,0.85,42.4,44.6,super_preferred_longevity,80.6,baseline,1.442,0.073,True,61.0,True,-0.307,496355.25,45057.72,44693.75,44928.0,10670.4,False,0,-0.55,-20.0
LI-2024-INS004-000595,2003-06-06,16,20,36,1983,male,never_smoker,32.0,61,169,ME,USA,single,high_school,white_collar,40864.08,0.1703,simplified_issue,140,94,221,53,4.17,137,4.8,False,93.6,,False,True,True,False,False,none,,none,none,depression,2,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,29,UW-055,1.5,whole_life,1000000,annual,3924.39,,none,4631.63,,,True,none,captive_agent,False,False,False,0.00201,0.005465,SOA_2015_VBT,SOA_Scale_MP2023,1.617,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001005,0.02,False,,1.0,False,,,,0.015,0.0235,False,normal_rate,5.86,2.04,True,True,False,False,False,0.906,70.0,54.0,super_preferred_longevity,100.0,baseline,1.372,0.25,False,,False,,995368.37,33816.91,28974.4,31395.12,7456.34,False,0,4.97,10.89
LI-2024-INS004-000596,2019-08-09,8,59,67,1960,female,current_smoker,36.7,71,263,SD,USA,single,bachelors,heavy_blue_collar,120924.77,0.8375,limited_exam,164,104,232,30,7.73,79,4.9,True,86.2,,False,False,False,False,False,none,,none,mild_gold_1,bipolar,3,False,False,False,False,False,substandard_table_6,0.78,6.0,False,False,False,False,26,UW-109,2.5,whole_life,100000,monthly,1524.92,,none,1300.65,,,False,none,employer_group,False,False,False,0.033099,0.124304,SOA_2015_VBT,SOA_Scale_MP2023,2.587,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.049648,0.015,False,,1.0,False,,,,0.02,0.0247,False,normal_rate,3.14,2.47,False,False,False,False,False,0.779,35.6,27.6,preferred_longevity,66.5,baseline,0.872,1.0,False,,False,,98699.35,12462.68,11294.95,12199.36,2897.35,False,0,2.57,-17.42
LI-2024-INS004-000597,2021-07-25,1,76,77,1945,female,never_smoker,31.1,65,186,NJ,USA,married,bachelors,light_blue_collar,46809.83,0.5614,full_paramedical,116,77,223,57,3.91,106,5.1,False,73.9,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-228,1.25,term_life,500000,quarterly,4132.08,20.0,none,,,,False,none,captive_agent,False,False,False,0.036382,0.062726,SOA_2015_VBT,SOA_Scale_MP2023,1.261,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009096,0.008,True,0.00413,1.0,False,,,,0.1,0.1251,False,normal_rate,2.82,0.74,False,False,False,False,False,0.768,14.6,15.0,standard_longevity,43.4,baseline,1.079,0.59,True,65.3,False,,500000.0,24157.52,24509.75,24792.48,9503.78,False,0,4.86,12.42
LI-2024-INS004-000598,2017-05-14,7,61,68,1956,female,never_smoker,24.4,68,160,MA,USA,married,bachelors,hazardous,37791.93,0.5369,simplified_issue,118,72,219,48,4.56,87,,False,77.2,,False,False,False,False,False,none,,none,none,none,5,True,False,False,False,False,preferred,7.16,,True,False,False,False,30,UW-170,0.85,term_life,1000000,monthly,4878.84,25.0,none,,,,True,quota_share,employer_group,False,False,False,0.017467,0.014394,SOA_2015_VBT,SOA_Scale_MP2023,0.751,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2025-06-01,replacement,7.0,0.05,0.0762,False,normal_rate,3.74,1.14,False,False,False,False,False,0.776,31.5,22.3,standard_longevity,54.0,baseline,1.097,0.529,True,0.0,False,,1000000.0,37062.84,36733.12,39030.72,9269.8,False,0,1.88,22.64
LI-2024-INS004-000599,2023-09-09,4,61,65,1962,female,former_smoker,25.9,59,127,CO,USA,married,some_college,professional,173650.31,0.7549,limited_exam,135,75,193,62,3.11,91,4.9,False,67.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-151,0.78,annuity_deferred,250000,monthly,913.9,,none,610.29,,,True,coinsurance,independent_broker,False,False,False,0.018642,0.014588,SOA_2015_VBT,SOA_Scale_MP2023,0.838,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.1603,False,normal_rate,4.37,0.95,False,False,False,True,False,0.812,33.5,30.5,preferred_longevity,69.6,baseline,0.934,0.695,True,44.0,False,,249389.71,6885.39,6765.6,7311.2,1736.41,False,0,1.69,20.42
LI-2024-INS004-000600,2019-01-04,5,27,32,1992,female,never_smoker,23.4,70,163,RI,USA,single,bachelors,white_collar,96110.78,0.5967,accelerated_UW,113,66,167,60,2.78,87,5.0,False,84.2,,False,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,11,UW-266,2.25,term_life,500000,annual,2919.26,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001289,0.004777,SOA_2015_VBT,SOA_Scale_MP2023,2.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001611,0.022,False,,1.0,False,,,,0.07,0.0856,False,normal_rate,2.58,2.52,False,False,False,False,False,0.821,70.0,55.0,super_preferred_longevity,100.0,baseline,1.052,0.415,False,,False,,500000.0,22951.72,22880.93,23354.08,5546.59,False,0,0.09,-9.32
LI-2024-INS004-000601,2014-06-14,2,30,32,1984,female,never_smoker,30.5,68,200,OH,USA,married,some_college,professional,46508.65,0.6213,full_paramedical,140,95,219,51,4.29,79,5.4,False,102.0,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-427,2.25,term_life,500000,quarterly,3135.01,10.0,none,,,,False,none,captive_agent,False,False,False,0.001289,0.004754,SOA_2015_VBT,SOA_Scale_MP2023,2.358,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001611,0.02,False,,1.0,False,,,,0.07,0.0842,False,normal_rate,5.2,1.45,False,False,False,False,False,0.929,67.7,55.0,super_preferred_longevity,100.0,baseline,1.034,0.426,False,,False,,500000.0,23938.98,24274.17,25080.08,5956.52,False,0,2.97,-9.61
LI-2024-INS004-000602,2016-05-06,9,52,61,1964,female,unknown,20.6,71,147,ME,USA,married,less_than_hs,white_collar,29479.94,0.6279,non_med_guaranteed,136,90,178,47,3.79,106,,False,,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-445,1.25,whole_life,500000,semi_annual,3144.38,,none,2661.37,,,False,none,captive_agent,False,False,False,0.012047,0.021348,SOA_2015_VBT,SOA_Scale_MP2023,1.479,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003012,0.015,False,,1.0,False,,,,0.02,0.024,False,normal_rate,4.5,0.97,False,False,False,False,False,0.998,42.3,33.6,preferred_longevity,72.3,baseline,1.029,0.771,False,,True,0.167,497338.63,23863.08,21413.44,25155.04,5974.32,False,0,2.46,12.27
LI-2024-INS004-000603,2015-08-18,5,32,37,1983,male,never_smoker,22.1,60,113,TX,USA,married,bachelors,white_collar,28363.16,0.6425,simplified_issue,111,63,167,76,2.2,86,,False,90.7,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-019,2.0,term_life,500000,quarterly,2980.53,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.002134,0.00683,SOA_2015_VBT,SOA_Scale_MP2023,2.161,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,False,,1.0,False,,,,0.07,0.1162,False,normal_rate,3.41,0.93,False,False,False,False,False,0.814,61.6,55.0,super_preferred_longevity,100.0,baseline,1.018,0.635,False,,False,,500000.0,22948.52,21045.96,23844.24,5663.01,False,0,-1.37,-4.49
LI-2024-INS004-000604,2024-12-05,2,39,41,1985,male,former_smoker,30.5,76,250,VT,USA,married,graduate,light_blue_collar,31563.77,0.9651,full_paramedical,117,82,167,65,2.57,91,5.2,False,76.5,0.88,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-446,1.25,universal_life,250000,monthly,1042.72,,10yr_declining,641.97,,,True,coinsurance,bank,False,False,False,0.00359,0.004982,SOA_2015_VBT,SOA_Scale_MP2023,1.466,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000897,0.02,False,,1.0,False,,,,0.08,0.0334,False,normal_rate,2.9,2.37,False,False,False,False,False,0.901,56.2,54.2,super_preferred_longevity,100.0,baseline,0.776,1.0,False,,False,,249358.03,8658.39,7563.35,8341.76,1981.17,False,0,6.46,12.51
LI-2024-INS004-000605,2011-09-15,15,76,91,1935,male,current_smoker,15.0,73,113,KS,USA,married,high_school,heavy_blue_collar,73028.63,0.5016,full_paramedical,128,79,241,43,5.6,69,,True,51.9,5.37,False,False,False,False,False,none,,none,none,depression,8,False,True,True,False,True,declined,,,False,False,True,False,35,UW-124,7.0,universal_life,500000,monthly,23628.5,,10yr_declining,27320.1,,,False,none,employer_group,True,False,False,0.30308,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,6.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.04,0.0623,False,normal_rate,4.6,2.87,False,False,False,False,True,0.755,8.7,1.0,sub_standard_longevity,21.5,baseline,1.124,0.623,False,,False,,472679.9,8880.02,8796.8,9451.4,80809.47,False,0,-5.0,-20.0
LI-2024-INS004-000606,2020-11-15,2,49,51,1971,female,never_smoker,23.8,63,134,MS,USA,married,bachelors,heavy_blue_collar,357357.78,0.3335,full_paramedical,116,71,138,55,2.51,99,,False,86.1,,False,False,True,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,0.63,5.0,False,False,False,False,5,UW-227,2.25,term_life,500000,semi_annual,5448.88,30.0,none,,,,True,none,captive_agent,False,False,False,0.004641,0.029438,SOA_2015_VBT,SOA_Scale_MP2023,2.428,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005801,0.018,True,0.00955,1.0,False,,,,0.07,0.1003,False,normal_rate,2.95,1.42,False,False,False,False,False,0.791,48.4,46.4,super_preferred_longevity,97.1,baseline,1.25,0.306,False,,False,,500000.0,43849.04,45565.86,43591.04,10352.87,False,0,1.48,-16.36
LI-2024-INS004-000607,2024-02-13,2,59,61,1965,male,never_smoker,30.7,65,184,MS,USA,married,bachelors,professional,143580.44,0.6506,non_med_guaranteed,131,86,267,44,6.07,90,,False,,6.36,False,False,True,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,standard,,,False,True,False,False,14,UW-350,1.0,indexed_ul,250000,monthly,1441.01,,10yr_declining,906.77,,,False,none,direct_to_consumer,True,False,False,0.013294,0.014558,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0594,False,normal_rate,0.69,2.59,False,False,False,False,False,0.76,34.6,35.6,super_preferred_longevity,85.7,baseline,1.012,0.61,True,61.0,False,,249093.23,10579.43,11070.82,11528.08,2737.92,False,0,5.39,21.35
LI-2024-INS004-000608,2022-11-06,4,40,44,1982,female,never_smoker,29.1,58,139,ME,USA,divorced,some_college,light_blue_collar,226885.73,0.5359,simplified_issue,127,75,194,36,5.39,101,5.3,False,,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,28,UW-411,2.0,whole_life,500000,annual,3240.5,,none,2215.51,,,False,none,independent_broker,False,False,False,0.002724,0.013382,SOA_2015_VBT,SOA_Scale_MP2023,2.241,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002724,0.02,True,0.00395,1.0,False,,,,0.04,0.0509,False,normal_rate,3.75,2.55,False,False,False,False,False,0.801,57.0,58.8,super_preferred_longevity,100.0,baseline,1.098,0.438,True,66.1,False,,497784.49,23779.11,25643.01,25924.0,6156.95,False,0,4.51,-8.33
LI-2024-INS004-000609,2002-04-02,10,23,33,1979,female,never_smoker,25.3,58,121,ND,USA,widowed,high_school,professional,48402.94,0.6606,full_paramedical,131,66,182,54,3.37,117,4.7,False,77.8,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,42,UW-373,2.0,indexed_ul,250000,annual,1363.14,,15yr_declining,1207.91,,,False,none,worksite,False,False,False,0.001358,0.004152,SOA_2015_VBT,SOA_Scale_MP2023,2.048,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001358,0.018,False,,1.0,False,,,,0.06,0.0316,False,normal_rate,2.47,0.67,False,True,False,False,False,0.779,70.0,55.0,super_preferred_longevity,100.0,baseline,1.005,0.737,False,,False,,248792.09,11781.7,9470.53,10905.12,2589.97,False,0,1.75,-2.03
LI-2024-INS004-000610,2016-08-10,6,20,26,1996,female,never_smoker,36.8,61,194,HI,USA,single,graduate,light_blue_collar,71209.09,0.3365,full_paramedical,127,68,239,34,7.03,94,5.2,False,102.2,,False,True,False,True,False,none,,none,none,depression,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,47,UW-078,2.5,term_life,1000000,semi_annual,5005.99,25.0,none,,,,True,facultative,worksite,False,False,False,0.000983,0.004757,SOA_2015_VBT,SOA_Scale_MP2023,2.677,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001474,0.022,False,,1.0,False,,,,0.05,0.0715,False,normal_rate,2.74,2.63,False,False,False,False,False,0.993,70.0,55.0,super_preferred_longevity,100.0,baseline,1.248,0.301,False,,False,,1000000.0,42090.71,41862.52,40047.92,9511.38,False,0,1.26,-20.0
LI-2024-INS004-000611,2006-10-20,7,42,49,1964,male,never_smoker,32.7,74,254,MN,USA,married,high_school,professional,44854.7,0.7396,non_med_guaranteed,128,79,223,39,5.72,122,5.2,False,83.1,3.02,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-254,1.25,indexed_ul,100000,quarterly,537.43,,10yr_declining,449.06,,,False,none,direct_to_consumer,False,False,False,0.004882,0.007889,SOA_2015_VBT,SOA_Scale_MP2023,1.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00122,0.015,False,,1.0,False,,,,0.06,0.0419,False,normal_rate,3.96,1.23,False,False,False,False,False,0.867,48.8,41.8,super_preferred_longevity,86.3,baseline,0.945,0.74,False,,False,,99550.94,4622.13,3801.65,4299.44,1021.12,False,0,1.51,16.97
LI-2024-INS004-000612,2019-12-01,8,71,79,1948,male,never_smoker,22.9,70,159,VT,USA,single,some_college,heavy_blue_collar,34861.68,0.3833,full_paramedical,113,76,253,51,4.96,87,5.4,False,88.2,8.21,False,False,False,False,True,melanoma,1.7,none,none,none,2,False,False,False,False,True,substandard_table_5,0.93,5.0,False,False,False,False,36,UW-364,2.25,whole_life,500000,monthly,7599.01,,none,6649.38,,,True,none,independent_broker,False,False,False,0.055444,0.229711,SOA_2015_VBT,SOA_Scale_MP2023,2.386,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.069305,0.008,False,,1.0,False,,,,0.02,0.0279,False,normal_rate,2.16,1.79,False,False,False,False,False,0.76,15.4,7.4,sub_standard_longevity,29.3,baseline,1.213,0.391,False,,False,,493350.62,22453.0,19516.5,22493.07,22097.92,False,0,1.39,-16.8
LI-2024-INS004-000613,2007-02-15,12,39,51,1968,female,never_smoker,25.0,65,149,DE,USA,married,some_college,white_collar,25680.39,0.2025,accelerated_UW,132,79,244,52,4.69,99,,False,,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,12,UW-198,2.0,group_life,2000000,annual,18984.0,,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.004641,0.017341,SOA_2015_VBT,SOA_Scale_MP2023,2.03,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004641,0.015,False,,1.0,False,,,,0.1,0.2153,False,normal_rate,3.52,2.08,False,False,False,False,False,0.877,54.2,42.2,preferred_longevity,78.8,baseline,1.348,0.255,False,,False,,2000000.0,151895.58,136587.56,151872.0,36069.6,False,0,1.17,-2.88
LI-2024-INS004-000614,2008-04-16,3,46,49,1962,female,former_smoker,33.7,61,178,UT,USA,married,bachelors,white_collar,36648.26,0.8815,limited_exam,146,100,206,37,5.57,80,5.3,False,78.3,,False,True,False,False,False,none,,none,none,none,2,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,47,UW-410,1.5,whole_life,2000000,monthly,13007.7,,none,8663.11,,,True,facultative,independent_broker,False,False,False,0.004926,0.008814,SOA_2015_VBT,SOA_Scale_MP2023,1.537,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002463,0.015,False,,1.0,False,,,,0.04,0.0398,False,normal_rate,2.84,2.69,False,False,False,False,False,0.815,49.0,46.0,super_preferred_longevity,94.7,baseline,0.839,0.796,False,,False,,1991336.89,114048.19,100637.49,104061.6,24714.63,False,0,2.57,12.42
LI-2024-INS004-000615,2024-12-20,1,54,55,1970,male,former_smoker,25.4,71,182,DE,USA,single,some_college,professional,54546.53,0.5987,non_med_guaranteed,147,95,217,62,3.5,106,4.8,False,69.5,1.61,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,16,UW-089,1.5,indexed_ul,2000000,monthly,13189.65,,10yr_declining,8473.84,,,True,none,captive_agent,False,False,False,0.010433,0.021708,SOA_2015_VBT,SOA_Scale_MP2023,1.504,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005217,0.018,False,,1.0,False,,,,0.11,0.0604,False,normal_rate,4.67,1.23,False,False,False,False,False,0.961,37.3,36.3,preferred_longevity,75.9,baseline,1.051,0.671,False,,False,,1991526.16,109638.97,110142.79,105517.2,25060.33,False,0,0.05,4.0
LI-2024-INS004-000616,2004-08-11,17,28,45,1976,male,never_smoker,29.7,73,225,WV,USA,divorced,graduate,hazardous,20000.0,0.7542,full_paramedical,124,77,203,63,3.22,77,5.8,False,,2.86,False,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,2.91,1.0,True,False,False,False,26,UW-264,1.25,universal_life,1000000,monthly,4977.25,,10yr_declining,6278.89,690.68,0.11,True,coinsurance,direct_to_consumer,False,False,False,0.003662,0.005432,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000916,0.018,False,,1.0,False,,,,0.04,0.0368,False,normal_rate,4.83,2.88,False,False,False,False,False,0.825,67.9,50.9,super_preferred_longevity,100.0,baseline,0.934,0.626,False,,False,,993721.11,42033.36,41330.37,39818.0,9456.77,False,0,2.85,17.43
LI-2024-INS004-000617,2009-02-23,10,76,86,1933,male,current_smoker,25.2,67,161,MN,USA,married,bachelors,white_collar,22494.01,0.346,limited_exam,126,82,276,65,4.25,80,4.4,True,95.3,20.0,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,23,UW-234,2.75,annuity_deferred,500000,semi_annual,10863.69,,none,9843.83,,,False,none,worksite,True,False,False,0.197661,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.845,cancer,True,2009-07-27,True,False,180622.11,0.0007,5e-05,1.095,0.345906,0.005,False,,1.0,False,,,,0.02,0.0285,False,normal_rate,3.73,0.8,False,False,False,False,True,0.77,7.7,1.0,sub_standard_longevity,19.2,baseline,1.24,0.272,False,,False,,490156.17,4132.19,4312.94,4345.48,37153.82,False,0,0.82,-20.0
LI-2024-INS004-000618,2003-10-28,8,50,58,1953,male,never_smoker,21.9,71,157,ID,USA,married,some_college,light_blue_collar,49306.78,0.6352,full_paramedical,132,87,212,57,3.72,80,5.2,False,,0.87,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-029,2.0,whole_life,500000,annual,4344.43,,none,3759.43,,,False,none,bank,True,True,False,0.008917,0.028303,SOA_2015_VBT,SOA_Scale_MP2023,2.124,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008917,0.012,False,,1.0,False,,,,0.02,0.0238,False,normal_rate,3.16,0.91,False,False,False,False,False,0.787,38.5,31.7,preferred_longevity,69.6,baseline,1.024,0.531,True,45.7,False,,496240.57,34101.11,34602.61,34755.44,8254.42,False,0,2.6,-1.9
LI-2024-INS004-000619,2013-06-24,4,71,75,1942,female,never_smoker,32.5,67,207,MS,USA,married,some_college,light_blue_collar,20000.0,0.6446,simplified_issue,137,90,170,64,2.66,108,5.2,False,83.4,,False,False,False,False,True,breast,2.7,none,none,substance_use_disorder,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,60,UW-385,2.25,indexed_ul,500000,quarterly,6407.55,,15yr_declining,4333.7,,,True,coinsurance,captive_agent,False,False,False,0.029829,0.109393,SOA_2015_VBT,SOA_Scale_MP2023,2.378,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037286,0.008,False,,1.0,False,,,,0.08,0.0426,False,normal_rate,1.76,2.23,False,False,False,False,False,0.837,19.5,15.5,standard_longevity,45.4,baseline,1.017,0.781,False,,False,,495666.3,41189.67,38659.67,39726.81,14481.06,False,0,1.9,-12.28
LI-2024-INS004-000620,2015-05-22,5,73,78,1942,female,never_smoker,24.8,65,148,NM,USA,married,bachelors,professional,88386.42,0.7589,full_paramedical,141,90,251,63,3.98,88,,False,78.7,,True,False,True,True,False,none,,none,none,depression,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,31,UW-204,2.5,universal_life,5000000,annual,71565.33,,15yr_declining,51276.93,,,True,quota_share,independent_broker,False,False,False,0.038748,0.148834,SOA_2015_VBT,SOA_Scale_MP2023,2.515,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058123,0.008,False,,1.0,False,,,,0.08,0.0393,False,normal_rate,3.04,2.29,True,False,False,False,False,0.845,21.0,16.0,standard_longevity,57.9,baseline,0.931,0.711,False,,False,,4948723.07,483260.36,392908.31,458018.11,158875.03,False,0,4.3,-20.0
LI-2024-INS004-000621,2010-02-14,11,50,61,1960,male,never_smoker,26.9,74,209,NM,USA,married,high_school,white_collar,58262.52,0.2779,non_med_guaranteed,149,86,232,51,4.55,71,5.4,False,,7.85,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,16,UW-119,1.5,term_life,250000,monthly,2165.08,15.0,none,,,,False,none,independent_broker,False,False,False,0.012327,0.030586,SOA_2015_VBT,SOA_Scale_MP2023,1.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006163,0.015,False,,1.0,False,,,,0.03,0.0443,False,normal_rate,3.03,2.53,False,False,False,False,False,0.807,38.3,27.3,standard_longevity,57.6,baseline,1.292,0.408,False,,False,,250000.0,15941.94,15529.95,17320.64,4113.65,False,0,2.93,3.41
LI-2024-INS004-000622,2015-12-23,1,63,64,1952,male,current_smoker,27.0,69,182,IN,USA,married,graduate,professional,161118.57,0.4798,full_paramedical,141,85,233,23,10.13,96,,True,72.5,1.86,False,False,False,False,False,none,,none,moderate_gold_2,anxiety,0,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,14,UW-331,2.5,whole_life,500000,semi_annual,7530.09,,none,4925.34,,,True,quota_share,direct_to_consumer,False,False,False,0.029408,0.12864,SOA_2015_VBT,SOA_Scale_MP2023,2.521,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044112,0.012,False,,1.0,False,,,,0.06,0.1106,False,normal_rate,2.83,1.93,False,True,False,False,False,0.839,24.7,23.7,standard_longevity,55.2,baseline,1.14,0.427,False,,False,,495074.66,57780.4,61375.06,60240.72,14307.17,False,0,0.39,-13.91
LI-2024-INS004-000623,2009-12-27,5,62,67,1947,male,never_smoker,32.6,67,208,TX,USA,single,high_school,white_collar,68265.24,0.6294,accelerated_UW,132,83,235,51,4.61,113,4.9,False,85.0,5.63,False,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,22,UW-234,2.25,universal_life,1000000,monthly,14159.79,,10yr_declining,10464.6,,,True,excess_of_loss,captive_agent,True,False,False,0.019307,0.068988,SOA_2015_VBT,SOA_Scale_MP2023,2.26,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024134,0.008,False,,1.0,False,,,,0.08,0.0431,False,normal_rate,5.77,2.91,False,False,False,False,False,0.859,28.2,23.2,preferred_longevity,66.7,baseline,1.028,0.631,False,,False,,989535.4,104845.13,96551.27,113278.32,26903.6,False,0,-0.96,-10.51
LI-2024-INS004-000624,2023-11-17,1,43,44,1980,male,never_smoker,39.2,69,265,NM,USA,single,high_school,white_collar,45741.63,0.6356,full_paramedical,127,70,199,60,3.32,120,5.6,False,102.1,4.76,False,False,True,False,False,none,,none,none,none,17,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,49,UW-124,1.5,group_life,500000,monthly,2539.07,,none,,,,False,none,captive_agent,False,False,False,0.003406,0.007237,SOA_2015_VBT,SOA_Scale_MP2023,1.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001703,0.02,False,,1.0,True,2025-12-21,non_payment,1.0,0.18,0.2145,False,normal_rate,3.24,1.54,False,False,False,False,False,0.787,53.1,59.3,super_preferred_longevity,100.0,baseline,1.023,0.491,True,73.7,False,,500000.0,20274.37,17392.88,20312.56,4824.23,False,0,0.92,2.93
LI-2024-INS004-000625,2002-01-22,24,27,51,1975,female,never_smoker,22.2,61,117,MO,USA,single,bachelors,white_collar,64134.73,0.7997,full_paramedical,97,58,192,41,4.68,82,,False,73.6,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,16,UW-203,0.67,universal_life,1000000,annual,3073.49,,10yr_declining,4856.92,,,True,quota_share,independent_broker,False,False,False,0.004641,0.00264,SOA_2015_VBT,SOA_Scale_MP2023,0.632,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0424,False,normal_rate,3.1,0.99,False,False,False,False,False,0.949,69.9,45.9,super_preferred_longevity,93.3,baseline,0.9,0.715,False,,False,,995143.08,22578.43,25776.6,24587.92,5839.63,False,0,3.85,23.41
LI-2024-INS004-000626,2019-11-01,4,56,60,1963,female,former_smoker,23.2,62,127,WY,USA,married,bachelors,heavy_blue_collar,123676.85,0.6234,full_paramedical,127,81,227,55,4.13,114,5.4,False,91.0,,False,False,False,True,False,none,,none,none,substance_use_disorder,1,False,False,False,False,True,substandard_table_6,0.73,6.0,False,False,False,False,31,UW-382,2.5,universal_life,2000000,annual,26723.08,,10yr_declining,17799.43,6496.79,0.365,True,coinsurance,captive_agent,True,False,False,0.012318,0.05167,SOA_2015_VBT,SOA_Scale_MP2023,2.61,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018477,0.015,False,,1.0,False,,,,0.08,0.0259,False,normal_rate,1.5,1.98,False,False,False,False,False,0.761,38.1,38.2,preferred_longevity,79.2,baseline,1.032,0.65,True,69.2,False,,1982200.57,202903.5,193005.76,213784.64,50773.85,False,0,1.28,-19.65
LI-2024-INS004-000627,2012-09-11,4,57,61,1955,female,never_smoker,30.3,69,205,GA,USA,single,some_college,white_collar,21031.15,0.7425,full_paramedical,125,82,219,41,5.34,95,5.3,False,97.1,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-352,1.25,term_life,100000,annual,631.69,15.0,none,,,,False,none,employer_group,False,False,False,0.009426,0.013886,SOA_2015_VBT,SOA_Scale_MP2023,1.297,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002356,0.012,False,,1.0,False,,,,0.07,0.0929,False,normal_rate,3.63,2.76,False,False,False,False,False,0.979,36.2,32.2,preferred_longevity,71.9,baseline,0.943,0.697,False,,False,,100000.0,4827.33,4730.41,5053.52,1200.21,False,0,5.69,12.6
LI-2024-INS004-000628,2003-11-24,3,74,77,1929,male,never_smoker,35.1,63,198,AZ,USA,widowed,high_school,light_blue_collar,73249.54,0.2931,full_paramedical,152,102,234,50,4.68,97,5.3,False,87.5,4.16,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-279,2.0,whole_life,1000000,annual,12570.44,,none,8910.17,,,True,excess_of_loss,bank,False,True,False,0.03458,0.127232,SOA_2015_VBT,SOA_Scale_MP2023,2.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03458,0.012,False,,1.0,False,,,,0.04,0.0821,False,normal_rate,3.57,0.53,False,False,False,False,False,0.774,9.5,6.7,sub_standard_longevity,26.9,baseline,1.28,0.426,True,43.8,False,,991089.83,35781.84,34404.0,33688.78,37258.78,False,0,5.44,-12.2
LI-2024-INS004-000629,2017-02-12,1,53,54,1964,male,former_smoker,23.5,62,128,RI,USA,married,bachelors,white_collar,21533.42,0.3748,simplified_issue,122,80,197,84,2.35,89,,False,81.8,1.1,False,False,False,False,False,none,,none,none,bipolar,14,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-408,2.0,universal_life,100000,annual,779.62,,15yr_declining,502.76,,,False,none,captive_agent,False,False,False,0.009465,0.032771,SOA_2015_VBT,SOA_Scale_MP2023,2.02,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009465,0.015,False,,1.0,False,,,,0.12,0.0756,False,normal_rate,1.78,2.29,False,False,False,False,False,0.856,36.3,35.3,preferred_longevity,71.1,baseline,1.219,0.233,False,,False,,99497.24,6750.61,5427.92,6236.96,1481.28,False,0,1.18,-8.81
LI-2024-INS004-000630,2004-10-08,5,31,36,1973,male,never_smoker,32.2,71,230,FL,USA,single,graduate,professional,109737.17,0.7398,non_med_guaranteed,131,66,183,39,4.69,101,4.9,False,,,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,standard_plus,,,False,False,False,False,26,UW-068,0.99,universal_life,1000000,monthly,3350.32,,15yr_declining,2451.21,,,True,coinsurance,independent_broker,False,False,False,0.00201,0.001787,SOA_2015_VBT,SOA_Scale_MP2023,0.941,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0399,False,normal_rate,3.25,0.62,False,False,False,False,False,0.911,61.3,55.0,super_preferred_longevity,100.0,baseline,0.945,0.691,False,,False,,997548.79,24828.6,26363.93,26802.56,6365.61,False,0,2.61,19.77
LI-2024-INS004-000631,2007-11-20,20,72,92,1935,female,never_smoker,30.9,60,158,PA,USA,divorced,some_college,white_collar,115234.48,0.7096,full_paramedical,164,89,213,64,3.33,93,5.0,False,64.3,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-452,2.0,whole_life,500000,monthly,6861.88,,none,9182.65,3039.46,0.331,True,none,employer_group,True,False,False,0.131537,0.38945,SOA_2015_VBT,SOA_Scale_MP2023,2.026,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.131537,0.005,False,,1.0,False,,,,0.015,0.0122,False,normal_rate,3.14,2.44,False,False,False,True,True,0.96,17.5,1.0,sub_standard_longevity,24.6,baseline,0.968,0.794,False,,False,,490817.35,2880.42,2776.19,2744.75,23467.63,False,0,2.72,-4.59
LI-2024-INS004-000632,2017-12-03,10,62,72,1955,female,never_smoker,26.7,58,127,OK,USA,divorced,high_school,light_blue_collar,45541.81,0.4915,full_paramedical,134,86,209,54,3.87,63,5.2,False,53.8,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,preferred,,,False,False,False,False,29,UW-179,0.79,whole_life,100000,monthly,444.74,,none,415.72,,,False,none,captive_agent,False,False,False,0.024467,0.022533,SOA_2015_VBT,SOA_Scale_MP2023,0.814,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0261,False,normal_rate,2.05,1.61,False,False,False,False,False,0.938,30.2,23.6,standard_longevity,55.3,baseline,1.131,0.223,True,81.5,False,,99584.28,3581.87,3347.39,3557.92,845.01,False,0,3.78,29.37
LI-2024-INS004-000633,2019-02-20,6,69,75,1950,male,never_smoker,29.4,69,198,ND,USA,widowed,some_college,white_collar,25582.04,0.7467,accelerated_UW,124,79,204,32,6.38,101,4.3,False,88.4,18.03,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,27,UW-369,1.5,whole_life,500000,semi_annual,5086.79,,none,3918.09,,,False,none,bank,False,False,False,0.037422,0.074888,SOA_2015_VBT,SOA_Scale_MP2023,1.597,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018711,0.012,False,,1.0,False,,,,0.02,0.0221,False,normal_rate,2.61,2.13,False,False,False,False,False,0.761,19.4,14.0,standard_longevity,44.7,baseline,0.94,0.806,True,47.4,False,,496081.91,28435.15,28108.95,28486.02,12106.56,False,0,1.35,9.22
LI-2024-INS004-000634,2002-06-27,16,77,93,1925,female,never_smoker,19.7,69,133,MA,USA,single,high_school,heavy_blue_collar,830853.65,0.6042,full_paramedical,129,73,213,52,4.1,107,,False,,,False,True,False,False,True,colorectal,2.1,none,none,depression,1,False,True,False,False,True,substandard_table_4,0.86,4.0,False,False,False,False,30,UW-102,2.0,universal_life,250000,semi_annual,3480.83,,10yr_declining,3917.97,,,False,none,captive_agent,False,False,False,0.102264,0.335966,SOA_2015_VBT,SOA_Scale_MP2023,2.183,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.102264,0.012,False,,1.0,False,,,,0.04,0.0487,False,normal_rate,3.63,2.29,False,False,False,False,False,0.972,11.1,1.0,sub_standard_longevity,23.1,baseline,1.047,0.606,False,,False,,246082.03,1414.23,1438.67,1392.33,11904.44,False,0,0.75,-4.82
LI-2024-INS004-000635,2007-12-04,9,68,77,1939,female,never_smoker,25.4,59,125,AK,USA,divorced,some_college,white_collar,37263.17,0.3827,full_paramedical,131,76,224,54,4.15,114,5.7,False,70.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,standard,,,False,True,False,False,10,UW-048,1.0,term_life,1000000,monthly,6803.33,20.0,none,,,,True,none,captive_agent,False,False,False,0.037502,0.0479,SOA_2015_VBT,SOA_Scale_MP2023,1.053,cancer,True,2015-07-25,False,False,572356.52,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.05,0.0697,False,normal_rate,3.08,1.66,False,False,False,False,False,0.863,20.8,11.8,standard_longevity,35.9,baseline,1.213,0.362,False,,False,,1000000.0,31035.95,30531.4,32111.72,17389.31,False,0,1.96,20.67
LI-2024-INS004-000636,2009-06-28,14,26,40,1983,male,current_smoker,29.7,76,244,OH,USA,single,bachelors,white_collar,90062.25,0.3142,full_paramedical,130,86,216,67,3.22,96,5.4,True,105.7,0.97,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-128,1.5,term_life,500000,quarterly,2539.63,20.0,none,,,,False,none,captive_agent,True,False,False,0.005165,0.012418,SOA_2015_VBT,SOA_Scale_MP2023,1.506,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.02,False,,1.0,False,,,,0.03,0.0435,False,normal_rate,3.13,1.83,False,False,False,False,False,0.931,66.3,52.3,super_preferred_longevity,95.7,baseline,1.264,0.393,False,,False,,500000.0,21649.01,19084.8,20317.04,4825.3,False,0,1.93,7.39
LI-2024-INS004-000637,2004-01-21,11,48,59,1956,male,current_smoker,34.7,66,215,MO,USA,married,bachelors,light_blue_collar,20000.0,0.603,full_paramedical,140,89,241,35,6.89,85,8.3,True,72.9,1.12,False,True,False,False,False,none,,type_2,none,none,4,True,False,False,False,True,substandard_table_7,2.05,7.0,True,False,False,False,30,UW-183,2.75,term_life,1000000,semi_annual,15308.77,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.02012,0.095227,SOA_2015_VBT,SOA_Scale_MP2023,2.847,respiratory,True,2012-12-24,False,False,1503503.22,0.0007,5e-05,1.095,0.03521,0.012,False,,1.0,False,,,,0.03,0.0365,False,normal_rate,4.11,1.07,False,False,False,False,False,0.867,40.8,29.8,preferred_longevity,66.2,baseline,1.048,0.821,False,,False,,1000000.0,125463.85,124723.62,122470.16,29086.66,False,0,1.57,-20.0
LI-2024-INS004-000638,2002-01-25,24,20,44,1982,male,never_smoker,34.5,67,220,RI,USA,married,some_college,white_collar,91116.49,0.7677,simplified_issue,112,70,150,52,2.88,98,6.0,False,93.9,2.76,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-311,1.25,term_life,500000,annual,2124.93,30.0,none,,,,False,none,captive_agent,False,False,False,0.003406,0.005252,SOA_2015_VBT,SOA_Scale_MP2023,1.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000851,0.02,False,,1.0,False,,,,0.03,0.0326,False,normal_rate,4.02,0.97,False,False,False,False,False,0.802,70.0,46.0,super_preferred_longevity,93.0,baseline,0.924,0.819,False,,False,,500000.0,16791.95,15434.94,16999.44,4037.37,False,0,-1.03,15.58
LI-2024-INS004-000639,2003-05-24,24,78,102,1925,female,never_smoker,28.7,70,199,NJ,USA,married,some_college,white_collar,24517.65,0.8351,full_paramedical,161,99,241,47,5.13,103,4.9,False,70.9,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,38,UW-276,2.0,term_life,500000,quarterly,9446.14,30.0,none,,,,False,none,independent_broker,False,False,False,0.201475,0.558802,SOA_2015_VBT,SOA_Scale_MP2023,2.03,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.201475,0.012,False,,1.0,False,,,,0.03,0.031,False,normal_rate,3.2,1.15,False,False,False,False,False,0.911,11.1,1.0,sub_standard_longevity,26.5,baseline,0.874,0.788,True,59.1,True,-0.276,500000.0,3626.84,3800.56,3778.46,32305.8,False,0,3.69,-8.37
LI-2024-INS004-000640,2013-10-06,13,60,73,1953,male,never_smoker,25.1,72,185,LA,USA,married,graduate,professional,90929.29,0.6547,accelerated_UW,123,68,201,52,3.87,87,,False,,5.51,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,11,UW-093,1.25,term_life,2000000,monthly,15188.45,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.032581,0.050519,SOA_2015_VBT,SOA_Scale_MP2023,1.289,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008145,0.012,False,,1.0,False,,,,0.03,0.0353,False,normal_rate,1.54,1.13,False,False,False,False,False,0.935,28.5,15.5,standard_longevity,45.6,baseline,1.009,0.907,False,,False,,2000000.0,95663.49,97477.77,94168.39,34325.9,False,0,2.76,10.63
LI-2024-INS004-000641,2017-11-23,10,41,51,1976,female,never_smoker,17.8,67,113,OR,USA,married,graduate,professional,88347.21,0.4072,limited_exam,113,63,170,60,2.83,66,,False,75.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,standard,,,False,True,False,False,12,UW-046,1.0,whole_life,5000000,semi_annual,18806.6,,none,16638.5,,,True,none,captive_agent,False,False,False,0.004641,0.006004,SOA_2015_VBT,SOA_Scale_MP2023,1.083,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.0275,False,normal_rate,3.8,1.0,False,False,False,False,False,0.773,54.5,44.5,super_preferred_longevity,85.4,baseline,1.195,0.518,False,,False,,4983361.5,146340.01,128714.43,150452.8,35732.54,False,0,3.57,20.33
LI-2024-INS004-000642,2002-04-20,11,24,35,1978,male,unknown,30.0,69,203,WV,USA,single,graduate,white_collar,287220.65,0.7618,full_paramedical,111,67,160,25,6.4,82,5.2,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-311,1.5,term_life,1000000,quarterly,4609.93,30.0,none,,,,True,none,independent_broker,False,False,False,0.002181,0.004545,SOA_2015_VBT,SOA_Scale_MP2023,1.706,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00109,0.018,False,,1.0,False,,,,0.03,0.0327,False,normal_rate,1.81,2.03,False,False,False,False,False,0.849,69.2,65.1,super_preferred_longevity,100.0,baseline,0.929,0.729,True,84.9,False,,1000000.0,40403.7,35655.29,36879.44,8758.87,False,0,3.24,17.3
LI-2024-INS004-000643,2001-03-25,15,30,45,1971,male,never_smoker,32.9,65,197,NC,USA,married,bachelors,professional,69130.85,0.655,full_paramedical,133,82,259,20,12.95,109,5.5,False,101.3,1.59,False,False,False,False,False,none,,none,none,bipolar,9,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-050,2.0,indexed_ul,500000,monthly,3779.07,,15yr_declining,4354.72,,,False,none,bank,False,False,False,0.003662,0.011335,SOA_2015_VBT,SOA_Scale_MP2023,2.077,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.018,False,,1.0,False,,,,0.04,0.0212,False,normal_rate,1.75,1.84,False,False,False,False,False,0.901,61.7,49.9,super_preferred_longevity,97.2,baseline,1.009,0.729,False,,True,2.104,495645.28,31781.6,27771.77,30232.56,7180.23,False,0,-0.23,-2.38
LI-2024-INS004-000644,2006-06-17,16,42,58,1964,female,former_smoker,28.4,71,203,IN,USA,divorced,graduate,white_collar,56095.17,0.4879,simplified_issue,144,86,238,46,5.17,79,4.5,False,86.8,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-136,1.25,universal_life,500000,semi_annual,3180.57,,15yr_declining,3675.26,,,False,none,direct_to_consumer,False,False,False,0.010558,0.020026,SOA_2015_VBT,SOA_Scale_MP2023,1.452,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00264,0.015,False,,1.0,True,2025-12-04,replacement,16.0,0.04,0.2724,True,normal_rate,3.38,2.12,False,False,True,False,False,0.89,51.8,35.8,preferred_longevity,73.5,baseline,1.134,0.32,False,,False,,496324.74,23763.45,24922.71,25444.56,6043.08,False,0,3.02,5.2
LI-2024-INS004-000645,2008-11-27,17,65,82,1943,female,never_smoker,20.7,61,109,KY,USA,married,less_than_hs,light_blue_collar,322568.02,0.3837,limited_exam,121,69,184,53,3.47,118,5.2,False,83.2,,False,False,False,False,True,other,3.0,none,none,none,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-156,2.5,annuity_deferred,500000,semi_annual,9093.7,,none,10803.82,,,False,none,captive_agent,True,False,False,0.055244,0.254438,SOA_2015_VBT,SOA_Scale_MP2023,2.562,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.082866,0.008,False,,1.0,False,,,,0.01,0.0139,False,normal_rate,4.11,2.97,False,False,False,False,False,0.879,24.6,8.0,sub_standard_longevity,30.3,baseline,1.212,0.514,True,48.9,False,,489196.18,31308.52,27107.15,29099.84,26007.98,False,0,4.02,-20.0
LI-2024-INS004-000646,2017-08-21,7,55,62,1962,male,former_smoker,35.7,72,262,TN,USA,married,bachelors,white_collar,41138.32,0.7418,full_paramedical,143,79,244,50,4.88,79,5.8,False,85.2,5.1,False,False,False,False,True,prostate,6.9,none,none,none,0,False,True,False,False,True,substandard_table_1,,1.0,False,False,False,False,40,UW-419,1.25,indexed_ul,100000,annual,574.51,,10yr_declining,463.3,,,False,none,employer_group,False,False,False,0.017992,0.029779,SOA_2015_VBT,SOA_Scale_MP2023,1.489,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004498,0.015,False,,1.0,False,,,,0.06,0.0359,False,normal_rate,4.85,1.16,False,False,False,False,False,0.959,35.5,28.5,preferred_longevity,66.4,baseline,0.944,0.732,False,,False,,99536.7,4316.93,4123.66,4596.08,1091.57,False,0,3.09,21.69
LI-2024-INS004-000647,2013-02-09,4,34,38,1979,female,never_smoker,34.3,68,225,VA,USA,divorced,some_college,white_collar,75690.43,0.9244,full_paramedical,117,83,206,35,5.89,95,4.7,False,108.2,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-434,1.25,group_life,500000,monthly,2247.13,,none,,,,False,none,direct_to_consumer,False,False,False,0.001816,0.002461,SOA_2015_VBT,SOA_Scale_MP2023,1.37,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000454,0.018,False,,1.0,False,,,,0.15,0.2017,False,normal_rate,2.67,0.82,False,False,False,False,False,0.776,64.0,55.0,super_preferred_longevity,100.0,baseline,0.807,0.896,False,,False,,500000.0,19650.32,18731.91,17977.04,4269.55,False,0,3.4,15.4
LI-2024-INS004-000648,2023-04-08,4,49,53,1974,female,never_smoker,30.5,63,172,NC,USA,married,less_than_hs,heavy_blue_collar,79431.74,0.2431,full_paramedical,128,80,230,39,5.9,101,5.2,False,74.4,,False,True,True,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,1.15,4.0,False,False,False,False,44,UW-263,2.0,annuity_deferred,1000000,quarterly,8212.03,,none,5613.18,,,True,quota_share,bank,False,False,False,0.005451,0.020605,SOA_2015_VBT,SOA_Scale_MP2023,2.11,respiratory,True,2024-11-25,True,False,970226.48,0.0007,5e-05,1.095,0.005451,0.018,False,,1.0,False,,,,0.04,0.0843,False,normal_rate,3.48,2.67,False,False,False,False,False,0.811,48.5,47.2,super_preferred_longevity,96.9,baseline,1.318,0.232,True,52.7,False,,994386.82,64250.4,68797.47,65696.24,15602.86,False,0,3.25,-9.52
LI-2024-INS004-000649,2002-07-16,17,65,82,1937,male,never_smoker,30.8,68,202,LA,USA,divorced,bachelors,heavy_blue_collar,83711.3,0.0875,full_paramedical,140,90,273,38,7.18,100,5.0,False,83.8,7.67,False,False,False,False,True,other,6.7,none,none,none,9,False,False,False,False,True,substandard_table_3,0.62,3.0,False,False,False,False,39,UW-020,1.75,group_life,1000000,monthly,12391.91,,none,,,,True,quota_share,worksite,False,False,False,0.071612,0.24271,SOA_2015_VBT,SOA_Scale_MP2023,1.84,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.053709,0.005,False,,1.0,False,,,,0.1,0.163,False,normal_rate,5.57,2.62,False,False,False,False,False,0.779,18.3,1.4,sub_standard_longevity,15.9,baseline,1.434,0.169,True,56.4,False,,1000000.0,6856.43,6790.5,6939.47,41983.79,False,0,2.17,-11.0
LI-2024-INS004-000650,2011-05-26,2,68,70,1943,female,current_smoker,27.6,61,146,AK,USA,single,graduate,heavy_blue_collar,106973.35,0.7841,non_med_guaranteed,112,73,235,55,4.27,113,4.9,True,57.8,,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_8,1.02,8.0,False,False,False,False,23,UW-271,3.0,indexed_ul,1000000,annual,15283.96,,10yr_declining,9266.2,,,True,quota_share,captive_agent,False,False,False,0.038853,0.198315,SOA_2015_VBT,SOA_Scale_MP2023,3.404,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.077707,0.008,False,,1.0,False,,,,0.08,0.0386,False,normal_rate,3.42,2.0,False,False,False,False,False,0.91,23.2,21.2,standard_longevity,56.1,baseline,0.912,0.694,False,,False,,990733.8,116669.08,121457.11,122271.68,29039.52,False,0,-3.97,-20.0
LI-2024-INS004-000651,2010-04-17,4,71,75,1939,male,never_smoker,15.8,65,94,UT,USA,single,some_college,white_collar,98689.98,0.4268,non_med_guaranteed,141,91,213,63,3.38,100,,False,73.3,1.26,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,declined,,,False,False,True,False,13,UW-303,7.0,term_life,100000,monthly,4504.74,20.0,none,,,,False,none,employer_group,False,False,False,0.039371,0.522338,SOA_2015_VBT,SOA_Scale_MP2023,6.159,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.236227,0.005,False,,1.0,False,,,,0.07,0.1141,False,normal_rate,5.09,2.19,False,False,False,False,False,0.971,14.0,10.0,sub_standard_longevity,33.9,baseline,1.18,0.372,False,,False,,100000.0,17232.34,17980.94,18018.96,12162.8,False,0,-5.0,-20.0
LI-2024-INS004-000652,2010-12-01,5,50,55,1960,female,never_smoker,37.5,69,254,KS,USA,divorced,less_than_hs,white_collar,20000.0,0.6091,non_med_guaranteed,138,82,183,44,4.16,123,5.5,False,72.8,,False,False,False,False,False,none,,none,none,anxiety,18,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-229,1.5,universal_life,500000,quarterly,3461.69,,15yr_declining,2608.78,,,False,none,captive_agent,False,False,False,0.005953,0.013496,SOA_2015_VBT,SOA_Scale_MP2023,1.694,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002977,0.015,False,,1.0,False,,,,0.08,0.0437,False,normal_rate,2.0,2.34,False,False,False,False,False,0.821,43.6,38.6,preferred_longevity,79.5,baseline,1.043,0.742,False,,False,,497391.22,25018.47,23883.58,27693.52,6577.21,False,0,5.35,3.8
LI-2024-INS004-000653,2010-06-20,10,80,90,1930,female,never_smoker,26.7,69,181,NJ,USA,divorced,graduate,light_blue_collar,106024.68,0.7327,accelerated_UW,150,101,210,40,5.25,100,5.3,False,,,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,11,UW-320,2.25,universal_life,100000,monthly,1604.35,,15yr_declining,1397.44,,,False,none,independent_broker,False,False,False,0.108891,0.380163,SOA_2015_VBT,SOA_Scale_MP2023,2.358,neurological,True,2011-03-05,True,False,1391344.54,0.0007,5e-05,1.095,0.136114,0.005,False,,1.0,False,,,,0.06,0.0301,False,normal_rate,5.52,2.77,False,False,False,False,False,0.822,8.8,1.0,sub_standard_longevity,25.0,baseline,0.95,0.732,False,,False,,98602.56,620.74,576.37,641.74,5486.88,False,0,1.25,-14.66
LI-2024-INS004-000654,2011-10-11,12,74,86,1937,female,former_smoker,25.0,59,123,OK,USA,widowed,bachelors,white_collar,36556.56,0.9112,full_paramedical,139,88,278,53,5.25,98,,False,55.3,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,27,UW-151,2.25,term_life,500000,quarterly,7731.4,20.0,none,,,,False,none,bank,False,False,False,0.104865,0.324355,SOA_2015_VBT,SOA_Scale_MP2023,2.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.131081,0.005,False,,1.0,False,,,,0.03,0.0291,False,normal_rate,3.15,1.89,False,False,False,False,False,0.855,16.6,4.6,sub_standard_longevity,33.1,baseline,0.817,0.931,False,,False,,500000.0,15279.46,13993.13,14225.78,24214.74,False,0,2.4,-11.4
LI-2024-INS004-000655,2016-10-17,9,80,89,1936,female,never_smoker,27.0,58,129,AZ,USA,married,bachelors,hazardous,336508.05,0.9216,non_med_guaranteed,144,93,213,63,3.38,108,5.2,False,77.3,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,3.58,2.0,True,False,False,False,4,UW-095,1.5,group_life,1000000,quarterly,12461.87,,none,,,,True,excess_of_loss,worksite,False,False,False,0.103283,0.187387,SOA_2015_VBT,SOA_Scale_MP2023,1.625,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051642,0.005,False,,1.0,False,,,,0.12,0.1155,False,normal_rate,0.61,1.03,False,False,False,False,False,0.858,10.5,1.5,sub_standard_longevity,28.6,baseline,0.809,0.964,False,,False,,1000000.0,7859.83,7511.4,7477.12,42121.12,False,0,3.75,4.81
LI-2024-INS004-000656,2007-12-09,5,74,79,1933,female,never_smoker,37.0,62,202,CO,USA,single,high_school,white_collar,52143.21,0.2567,full_paramedical,146,100,231,47,4.91,97,5.1,False,52.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-334,1.5,term_life,100000,monthly,988.11,20.0,none,,,,False,none,captive_agent,False,False,False,0.04331,0.11288,SOA_2015_VBT,SOA_Scale_MP2023,1.611,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021655,0.005,False,,1.0,True,2025-07-08,unknown,5.0,0.07,0.1465,False,normal_rate,3.07,1.04,False,False,False,False,False,0.913,13.4,8.9,sub_standard_longevity,29.7,baseline,1.307,0.156,True,50.3,False,,100000.0,3734.42,3273.81,3517.67,2754.85,False,0,3.61,4.87
LI-2024-INS004-000657,2006-10-09,5,18,23,1988,female,former_smoker,20.7,67,132,OK,USA,divorced,bachelors,light_blue_collar,37155.98,0.6529,simplified_issue,102,50,166,52,3.19,79,,False,101.7,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,4,UW-116,0.81,whole_life,250000,monthly,414.37,,none,325.49,,,False,none,independent_broker,False,False,False,0.001147,0.000885,SOA_2015_VBT,SOA_Scale_MP2023,0.764,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0471,False,normal_rate,2.27,2.91,False,False,False,False,False,0.95,70.0,55.0,super_preferred_longevity,100.0,baseline,1.01,0.716,False,,False,,249674.51,3200.83,3073.0,3314.96,787.3,False,0,-0.66,19.0
LI-2024-INS004-000658,2010-11-25,13,46,59,1964,female,current_smoker,22.6,70,157,NJ,USA,married,bachelors,hazardous,49309.24,0.6308,full_paramedical,134,78,203,57,3.56,69,,True,78.9,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_7,2.91,7.0,True,False,False,False,16,UW-055,2.75,term_life,500000,semi_annual,6330.3,15.0,none,,,,True,none,bank,True,False,False,0.017674,0.081005,SOA_2015_VBT,SOA_Scale_MP2023,2.759,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03093,0.015,False,,1.0,False,,,,0.03,0.0359,False,normal_rate,2.64,0.84,False,False,False,False,False,0.914,48.3,35.3,preferred_longevity,74.9,baseline,1.027,0.673,False,,False,,500000.0,50922.77,49838.91,50642.4,12027.57,False,0,0.83,-20.0
LI-2024-INS004-000659,2010-07-12,4,58,62,1952,male,never_smoker,28.9,70,201,CO,USA,married,graduate,professional,90015.12,0.7138,non_med_guaranteed,125,77,200,37,5.41,102,5.5,False,62.8,6.47,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-001,2.25,whole_life,2000000,quarterly,25069.72,,none,16630.09,,,True,quota_share,bank,True,False,False,0.012379,0.04295,SOA_2015_VBT,SOA_Scale_MP2023,2.301,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015473,0.012,False,,1.0,False,,,,0.04,0.0452,False,normal_rate,3.38,2.58,False,False,False,False,False,0.868,30.6,26.6,preferred_longevity,63.1,baseline,0.965,0.676,False,,False,,1983369.91,181341.5,204458.4,200557.76,47632.47,False,0,2.58,-10.49
LI-2024-INS004-000660,2022-03-12,5,57,62,1965,male,unknown,24.4,69,164,NC,USA,divorced,less_than_hs,professional,35850.42,0.7485,accelerated_UW,121,87,210,58,3.62,68,4.9,False,,6.99,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,True,32,UW-412,2.0,annuity_deferred,1000000,monthly,9256.05,,none,7098.5,,,True,none,independent_broker,False,False,False,0.016655,0.050218,SOA_2015_VBT,SOA_Scale_MP2023,2.147,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016655,0.015,True,0.0,1.0,False,,,,0.04,0.044,False,normal_rate,1.21,1.53,False,False,False,False,False,0.835,33.9,30.8,preferred_longevity,69.9,baseline,0.939,0.784,True,53.7,False,,992901.5,80036.37,77277.23,74048.4,17586.49,False,0,0.39,-10.26
LI-2024-INS004-000661,2000-07-25,9,27,36,1973,male,never_smoker,30.1,64,175,FL,USA,divorced,bachelors,white_collar,75709.05,0.5399,limited_exam,124,78,149,53,2.81,90,5.1,False,92.1,,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,preferred,,,False,False,False,False,57,UW-435,0.8,term_life,2000000,monthly,5267.21,20.0,none,,,,True,quota_share,bank,False,False,False,0.00201,0.00169,SOA_2015_VBT,SOA_Scale_MP2023,0.768,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0634,False,normal_rate,3.96,2.07,False,False,False,False,False,0.855,64.5,55.0,super_preferred_longevity,100.0,baseline,1.095,0.269,False,,False,,2000000.0,46084.44,43156.34,42137.68,10007.7,False,0,1.0,24.37
LI-2024-INS004-000662,2015-01-15,5,55,60,1960,male,former_smoker,22.2,76,182,GA,USA,married,some_college,professional,31265.31,0.794,non_med_guaranteed,129,71,216,77,2.81,67,,False,76.6,0.66,True,True,True,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-017,2.0,universal_life,100000,annual,1038.76,,10yr_declining,780.82,,,False,none,captive_agent,False,False,False,0.014715,0.042346,SOA_2015_VBT,SOA_Scale_MP2023,2.076,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014715,0.015,False,,1.0,False,,,,0.08,0.0383,False,normal_rate,3.14,1.42,False,False,False,False,False,0.78,38.4,32.6,super_preferred_longevity,83.3,baseline,0.904,0.832,False,,True,-0.521,99219.18,8841.31,8558.9,8310.08,1973.64,False,0,1.73,-0.08
LI-2024-INS004-000663,2024-05-08,2,46,48,1978,male,never_smoker,27.7,63,156,AL,USA,divorced,bachelors,light_blue_collar,34286.51,0.7304,limited_exam,138,83,238,45,5.29,105,5.3,False,,1.76,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-434,1.25,whole_life,500000,semi_annual,2238.08,,none,1473.99,,,True,excess_of_loss,worksite,False,False,False,0.004587,0.007096,SOA_2015_VBT,SOA_Scale_MP2023,1.362,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001147,0.018,False,,1.0,False,,,,0.04,0.0446,False,normal_rate,4.91,0.67,False,False,False,False,False,0.942,47.1,45.1,super_preferred_longevity,91.1,baseline,0.952,0.543,False,,False,,498526.01,16414.84,16574.05,17904.64,4252.35,False,0,2.92,12.28
LI-2024-INS004-000664,2006-04-23,3,59,62,1947,male,never_smoker,27.6,72,203,NY,USA,single,bachelors,white_collar,69175.14,0.7005,full_paramedical,124,81,195,58,3.36,94,5.0,False,86.4,2.1,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-482,1.25,annuity_immediate,2000000,semi_annual,11184.95,,none,,,,True,none,independent_broker,True,False,False,0.012533,0.020429,SOA_2015_VBT,SOA_Scale_MP2023,1.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003133,0.008,False,,1.0,False,,,,0.005,0.0057,False,normal_rate,4.1,1.63,False,False,False,False,False,0.914,28.5,25.5,preferred_longevity,61.3,baseline,0.975,0.648,False,,False,,2000000.0,98037.31,90914.76,89479.6,21251.41,False,0,5.33,18.9
LI-2024-INS004-000665,2023-02-04,4,53,57,1970,female,former_smoker,29.5,69,199,RI,USA,divorced,bachelors,professional,157727.19,0.8839,full_paramedical,115,74,166,61,2.72,85,5.7,False,,,False,True,False,False,False,none,,none,none,none,4,False,False,False,True,True,preferred,,,False,False,False,False,54,UW-436,0.83,whole_life,100000,quarterly,372.14,,none,277.99,,,False,none,captive_agent,False,False,False,0.009856,0.006567,SOA_2015_VBT,SOA_Scale_MP2023,0.796,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0397,False,normal_rate,3.04,2.0,False,False,False,False,False,0.841,43.5,39.5,super_preferred_longevity,85.0,baseline,0.837,0.917,False,,False,,99722.01,3057.94,3103.2,2977.12,707.07,False,0,3.64,24.92
LI-2024-INS004-000666,2022-10-22,5,25,30,1997,female,never_smoker,32.5,63,183,DE,USA,widowed,some_college,heavy_blue_collar,227979.27,0.5934,simplified_issue,130,86,191,57,3.35,118,5.6,False,87.1,,False,False,False,False,False,none,,none,none,none,9,False,False,False,True,True,standard_plus,0.97,,False,False,False,False,36,UW-256,0.91,whole_life,250000,monthly,632.81,,none,461.02,,,False,none,captive_agent,False,False,False,0.001168,0.005792,SOA_2015_VBT,SOA_Scale_MP2023,0.926,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00465,1.0,False,,,,0.04,0.049,False,normal_rate,1.98,1.67,False,False,False,False,False,0.845,70.0,55.0,super_preferred_longevity,100.0,baseline,1.055,0.438,False,,False,,249538.98,5175.51,4365.46,5062.48,1202.34,False,0,6.77,20.51
LI-2024-INS004-000667,2008-07-21,4,54,58,1954,male,former_smoker,21.0,63,118,OR,USA,married,bachelors,white_collar,68880.17,0.4349,full_paramedical,121,79,178,69,2.58,95,,False,78.1,3.42,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,,,False,False,False,False,22,UW-346,0.92,term_life,500000,annual,2228.35,20.0,none,,,,False,none,bank,False,False,False,0.011733,0.012464,SOA_2015_VBT,SOA_Scale_MP2023,0.905,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0946,False,normal_rate,2.25,0.81,False,False,False,False,False,0.865,33.8,29.8,preferred_longevity,63.7,baseline,1.174,0.48,False,,False,,500000.0,16832.17,16723.31,17826.8,4233.86,False,0,4.54,19.44
LI-2024-INS004-000668,2013-06-01,4,68,72,1945,female,never_smoker,37.2,69,252,NH,USA,married,bachelors,light_blue_collar,107026.18,0.7472,limited_exam,134,82,209,58,3.6,117,5.4,False,88.8,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,5,UW-036,1.5,universal_life,500000,quarterly,3929.03,,10yr_declining,2634.08,,,True,none,direct_to_consumer,True,False,False,0.02351,0.049993,SOA_2015_VBT,SOA_Scale_MP2023,1.731,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011755,0.008,False,,1.0,False,,,,0.08,0.0556,False,normal_rate,1.08,2.98,False,False,False,False,False,0.957,23.4,24.2,preferred_longevity,60.0,baseline,0.94,0.73,True,99.4,False,,497365.92,30847.2,29090.96,31432.24,7465.16,False,0,3.94,6.66
LI-2024-INS004-000669,2014-01-26,9,51,60,1963,male,never_smoker,30.4,68,199,PA,USA,married,high_school,professional,186101.92,0.4666,limited_exam,132,81,180,44,4.09,122,5.6,False,,2.98,False,False,False,True,False,none,,none,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,False,31,UW-280,1.0,indexed_ul,1000000,monthly,5200.27,,10yr_declining,4477.45,,,True,none,bank,False,False,False,0.011844,0.01433,SOA_2015_VBT,SOA_Scale_MP2023,1.052,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0358,False,normal_rate,4.09,1.03,False,False,False,False,False,0.964,38.5,29.5,preferred_longevity,63.7,baseline,1.15,0.543,False,,False,,995522.55,40145.67,39517.76,41602.16,9880.51,False,0,4.51,15.91
LI-2024-INS004-000670,2009-08-12,2,43,45,1966,female,former_smoker,26.2,71,187,UT,USA,single,high_school,white_collar,106453.34,0.5549,simplified_issue,135,83,212,48,4.42,107,5.0,False,85.9,,True,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,preferred,,,False,False,False,False,37,UW-142,0.78,term_life,2000000,monthly,6404.66,30.0,none,,,,True,facultative,bank,False,False,False,0.003809,0.003406,SOA_2015_VBT,SOA_Scale_MP2023,0.825,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,True,2025-08-20,replacement,2.0,0.07,0.0879,False,normal_rate,4.44,2.63,False,False,False,False,False,0.908,51.3,49.3,super_preferred_longevity,94.8,baseline,1.084,0.569,False,,False,,2000000.0,49569.99,44315.72,51237.28,12168.85,False,0,5.94,29.56
LI-2024-INS004-000671,2023-02-24,1,29,30,1994,female,never_smoker,36.3,68,238,MI,USA,married,some_college,professional,70701.74,0.5921,simplified_issue,127,72,176,54,3.26,93,9.0,False,96.8,,False,False,False,False,False,none,,type_2,none,bipolar,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,40,UW-169,2.25,group_life,1000000,quarterly,6284.41,,none,,,,True,quota_share,bank,False,False,False,0.001168,0.004525,SOA_2015_VBT,SOA_Scale_MP2023,2.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00146,0.022,False,,1.0,False,,,,0.18,0.2207,False,normal_rate,4.79,2.26,False,False,False,False,False,0.911,70.0,55.0,super_preferred_longevity,100.0,baseline,1.056,0.674,False,,False,,1000000.0,53436.99,51409.36,50275.28,11940.38,False,0,-1.18,-13.76
LI-2024-INS004-000672,2003-11-10,19,28,47,1975,female,never_smoker,15.9,66,98,DE,USA,married,bachelors,professional,48519.82,0.8952,full_paramedical,117,76,169,61,2.77,72,,False,95.0,,True,False,True,False,False,none,,none,none,anxiety,3,False,False,False,False,False,declined,,,False,False,True,False,12,UW-456,7.0,term_life,100000,monthly,2879.36,30.0,none,,,,False,none,independent_broker,False,False,False,0.003401,0.037919,SOA_2015_VBT,SOA_Scale_MP2023,6.216,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020404,0.018,False,,1.0,False,,,,0.03,0.0295,False,normal_rate,3.57,1.86,False,False,False,False,False,0.864,70.0,55.6,super_preferred_longevity,100.0,baseline,0.829,0.854,True,61.0,False,,100000.0,21305.53,22629.81,23034.88,5470.78,False,0,-5.0,-20.0
LI-2024-INS004-000673,2021-06-20,1,78,79,1943,female,never_smoker,21.2,62,116,OR,USA,single,graduate,light_blue_collar,26959.69,0.9756,simplified_issue,129,85,154,41,3.76,84,,False,83.8,,True,True,False,False,True,breast,0.1,none,none,anxiety,4,False,False,True,False,True,standard,,,False,True,False,False,44,UW-479,1.0,universal_life,100000,monthly,592.57,,15yr_declining,348.62,,,False,none,independent_broker,False,False,False,0.042609,0.035547,SOA_2015_VBT,SOA_Scale_MP2023,1.024,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00202,1.0,False,,,,0.12,0.0497,False,normal_rate,1.99,0.53,False,False,False,False,False,0.856,14.0,13.0,standard_longevity,46.6,baseline,0.768,0.994,False,,False,,99651.38,2929.23,2768.13,3081.36,1457.72,False,0,5.77,19.93
LI-2024-INS004-000674,2001-08-16,1,42,43,1959,male,never_smoker,32.2,66,199,SD,USA,divorced,bachelors,light_blue_collar,38959.29,0.6704,full_paramedical,134,91,212,39,5.44,103,5.1,False,95.8,1.58,False,False,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,28,UW-124,1.25,indexed_ul,1000000,semi_annual,5008.39,,15yr_declining,3349.09,,,True,facultative,direct_to_consumer,False,False,False,0.00295,0.004546,SOA_2015_VBT,SOA_Scale_MP2023,1.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000737,0.012,False,,1.0,False,,,,0.11,0.0806,False,normal_rate,1.93,1.65,False,False,False,False,False,0.953,47.5,51.3,super_preferred_longevity,99.5,baseline,0.997,0.819,True,64.6,False,,996650.91,43155.2,37557.86,40067.12,9515.94,False,0,4.67,16.15
LI-2024-INS004-000675,2017-10-22,10,31,41,1986,male,unknown,30.7,73,232,WI,USA,married,high_school,light_blue_collar,169171.38,0.388,limited_exam,110,75,195,44,4.43,100,5.2,False,91.0,1.96,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,standard_plus,,,False,False,False,False,8,UW-334,0.99,indexed_ul,500000,monthly,1906.47,,10yr_declining,1790.29,,,False,none,captive_agent,False,False,False,0.003176,0.003471,SOA_2015_VBT,SOA_Scale_MP2023,0.904,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.0375,False,normal_rate,3.29,0.97,False,False,False,False,False,0.954,62.1,57.4,super_preferred_longevity,100.0,baseline,1.209,0.447,True,64.1,False,,498209.71,15922.58,14019.97,15251.76,3622.29,False,0,-1.15,15.71
LI-2024-INS004-000676,2020-01-16,3,48,51,1972,male,never_smoker,24.3,69,164,TX,USA,married,bachelors,white_collar,29427.85,0.6199,limited_exam,117,59,207,65,3.18,95,5.1,False,,6.32,False,True,False,False,False,none,,none,none,schizophrenia,2,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,32,UW-143,2.25,universal_life,250000,semi_annual,2320.79,,15yr_declining,1673.47,,,False,none,direct_to_consumer,False,False,False,0.005801,0.025106,SOA_2015_VBT,SOA_Scale_MP2023,2.314,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007251,0.018,True,0.00396,1.0,False,,,,0.08,0.0607,False,normal_rate,2.7,1.53,False,False,False,False,False,0.853,43.7,40.7,super_preferred_longevity,82.8,baseline,1.035,0.665,False,,False,,248326.53,20113.75,15877.58,18566.32,4409.5,False,0,2.85,-13.36
LI-2024-INS004-000677,2009-06-04,8,61,69,1948,female,former_smoker,20.9,64,121,WI,USA,married,bachelors,professional,398183.26,0.7532,simplified_issue,128,84,243,43,5.65,96,4.4,False,74.4,,False,False,False,True,True,breast,0.5,none,none,none,0,False,False,False,False,True,declined,,,False,True,True,False,44,UW-111,7.0,universal_life,500000,annual,18199.02,,10yr_declining,16074.41,,,False,none,direct_to_consumer,False,False,False,0.024093,0.311702,SOA_2015_VBT,SOA_Scale_MP2023,7.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.144557,0.008,False,,1.0,False,,,,0.06,0.0415,False,normal_rate,4.83,2.35,False,False,False,False,False,0.937,30.9,23.7,standard_longevity,59.3,baseline,0.935,0.603,True,44.0,False,,483925.59,133088.88,128448.14,145592.16,34578.14,False,0,-5.0,-20.0
LI-2024-INS004-000678,2018-07-08,8,66,74,1952,female,never_smoker,31.5,59,155,IN,USA,single,graduate,white_collar,29488.01,0.6768,full_paramedical,134,84,257,45,5.71,103,5.3,False,58.5,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-010,2.25,term_life,500000,annual,6737.7,20.0,none,,,,True,none,captive_agent,True,False,False,0.028104,0.098553,SOA_2015_VBT,SOA_Scale_MP2023,2.274,cardiovascular,True,2021-05-09,False,False,119800.99,0.0007,5e-05,1.095,0.03513,0.012,False,,1.0,False,,,,0.05,0.0579,False,normal_rate,4.83,2.09,False,False,False,False,False,0.902,26.5,18.5,standard_longevity,50.4,baseline,0.992,0.737,False,,False,,500000.0,52446.54,45187.68,49858.98,13610.15,False,0,0.1,-17.05
LI-2024-INS004-000679,2015-01-07,3,60,63,1955,female,never_smoker,22.6,68,148,NY,USA,married,bachelors,white_collar,66307.25,0.6012,full_paramedical,129,78,253,62,4.08,77,,False,,,True,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,7,UW-348,0.82,term_life,2000000,monthly,9573.12,20.0,none,,,,True,none,independent_broker,True,False,False,0.01119,0.009602,SOA_2015_VBT,SOA_Scale_MP2023,0.818,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0853,False,normal_rate,2.57,2.4,False,False,False,False,False,0.869,35.6,32.6,super_preferred_longevity,80.4,baseline,1.049,0.666,False,,False,,2000000.0,81534.97,72619.49,76584.96,18188.93,False,0,3.71,24.22
LI-2024-INS004-000680,2014-06-28,4,22,26,1992,female,never_smoker,35.1,59,173,IN,USA,married,high_school,professional,82780.94,0.6193,full_paramedical,130,91,256,48,5.33,91,4.7,False,92.4,,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,17,UW-425,1.0,universal_life,250000,monthly,552.01,,15yr_declining,418.06,,,False,none,independent_broker,False,False,False,0.000983,0.001093,SOA_2015_VBT,SOA_Scale_MP2023,1.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0434,False,normal_rate,4.4,0.77,False,False,False,False,False,0.996,70.0,55.0,super_preferred_longevity,100.0,baseline,1.036,0.429,False,,False,,249581.94,4775.7,3847.33,4416.08,1048.82,False,0,4.28,12.1
LI-2024-INS004-000681,2020-06-08,4,60,64,1960,female,never_smoker,30.4,72,224,MD,USA,married,bachelors,professional,48093.04,0.6716,accelerated_UW,138,84,191,52,3.67,97,4.8,False,98.3,,True,False,False,False,True,colorectal,0.1,none,none,bipolar,3,False,False,False,False,True,standard,,,False,True,False,True,42,UW-096,1.0,term_life,2000000,monthly,11209.36,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.01276,0.016189,SOA_2015_VBT,SOA_Scale_MP2023,1.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00289,1.0,False,,,,0.07,0.0814,False,normal_rate,5.44,2.85,False,False,False,False,False,0.885,33.9,29.9,preferred_longevity,67.4,baseline,0.996,0.763,False,,False,,2000000.0,98062.82,91908.27,89674.88,21297.78,False,0,1.52,18.72
LI-2024-INS004-000682,2018-03-21,3,63,66,1955,female,former_smoker,23.4,70,163,WV,USA,single,bachelors,heavy_blue_collar,40712.32,0.8007,full_paramedical,139,82,166,39,4.26,74,5.2,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,1.04,1.0,False,False,False,False,11,UW-049,1.25,annuity_deferred,100000,semi_annual,731.42,,none,503.52,,,False,none,captive_agent,False,False,False,0.018853,0.025979,SOA_2015_VBT,SOA_Scale_MP2023,1.254,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004713,0.012,False,,1.0,False,,,,0.04,0.0424,False,normal_rate,4.61,2.56,False,False,False,False,False,0.754,30.4,27.4,preferred_longevity,65.6,baseline,0.899,0.857,False,,False,,99496.48,5816.27,5108.21,5851.36,1389.7,False,0,3.09,12.17
LI-2024-INS004-000683,2003-09-15,1,47,48,1956,male,never_smoker,24.4,74,190,VT,USA,married,high_school,light_blue_collar,67441.01,0.6503,limited_exam,132,71,195,58,3.36,102,5.5,False,,1.65,False,False,False,False,False,none,,none,none,schizophrenia,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-030,2.25,term_life,2000000,quarterly,16076.11,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.004115,0.014738,SOA_2015_VBT,SOA_Scale_MP2023,2.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005144,0.012,False,,1.0,False,,,,0.1,0.118,False,normal_rate,3.89,1.93,False,False,False,False,False,0.765,42.0,41.0,super_preferred_longevity,83.8,baseline,1.012,0.847,False,,False,,2000000.0,139645.87,126810.6,128608.88,30544.61,False,0,0.1,-12.98
LI-2024-INS004-000684,2016-07-25,5,80,85,1936,male,never_smoker,34.0,68,223,VT,USA,married,some_college,heavy_blue_collar,63228.22,0.4976,full_paramedical,143,82,177,29,6.1,105,5.0,False,57.9,8.64,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_2,0.97,2.0,False,False,False,False,29,UW-407,1.5,annuity_deferred,1000000,annual,9822.55,,none,7678.12,,,True,none,captive_agent,False,False,False,0.092152,0.202559,SOA_2015_VBT,SOA_Scale_MP2023,1.507,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046076,0.005,False,,1.0,False,,,,0.04,0.0521,False,normal_rate,5.1,2.75,False,False,False,False,False,0.801,5.0,1.0,sub_standard_longevity,21.5,baseline,1.127,0.428,True,39.5,False,,992321.88,4115.26,3850.14,3929.02,33593.12,False,0,6.07,4.84
LI-2024-INS004-000685,2001-06-28,6,26,32,1975,male,current_smoker,26.6,68,174,NV,USA,married,some_college,professional,20702.17,0.5138,accelerated_UW,90,60,172,42,4.1,67,5.8,True,,,False,False,False,False,False,none,,none,none,depression,9,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,True,22,UW-160,1.75,term_life,250000,semi_annual,1036.65,25.0,none,,,,False,none,independent_broker,False,False,False,0.003222,0.009216,SOA_2015_VBT,SOA_Scale_MP2023,1.893,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002417,0.018,False,,1.0,False,,,,0.05,0.0644,False,normal_rate,3.08,0.89,False,False,False,False,False,0.895,65.7,55.0,super_preferred_longevity,100.0,baseline,1.115,0.719,False,,False,,250000.0,7640.47,8461.58,8293.2,1969.64,False,0,4.45,1.83
LI-2024-INS004-000686,2021-05-02,2,29,31,1992,male,never_smoker,27.2,71,195,MN,USA,married,bachelors,white_collar,38759.62,0.3731,limited_exam,125,83,181,47,3.85,104,4.5,False,100.1,,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard,,,False,False,False,False,14,UW-093,1.08,term_life,1000000,semi_annual,2798.2,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.001532,0.004134,SOA_2015_VBT,SOA_Scale_MP2023,1.091,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000123,0.022,True,0.00197,1.0,False,,,,0.07,0.0981,False,normal_rate,1.57,2.52,False,True,False,True,False,0.887,65.1,55.0,super_preferred_longevity,100.0,baseline,1.22,0.406,False,,False,,1000000.0,24283.58,20774.62,22385.6,5316.58,False,0,2.84,11.88
LI-2024-INS004-000687,2004-12-22,12,47,59,1957,female,former_smoker,29.7,65,178,IA,USA,married,bachelors,white_collar,50504.82,0.5318,full_paramedical,136,80,197,34,5.79,86,6.0,False,71.0,,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,56,UW-223,2.25,term_life,1000000,monthly,12214.68,10.0,none,,,,True,coinsurance,employer_group,False,False,False,0.010589,0.042318,SOA_2015_VBT,SOA_Scale_MP2023,2.494,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013237,0.012,False,,1.0,False,,,,0.03,0.0459,False,normal_rate,2.07,0.86,False,False,False,False,False,0.781,45.6,33.6,preferred_longevity,70.9,baseline,1.101,0.392,False,,False,,1000000.0,101756.33,88857.38,97717.44,23207.89,False,0,0.18,-13.77
LI-2024-INS004-000688,2012-01-07,6,26,32,1986,male,former_smoker,29.6,69,200,SD,USA,married,graduate,professional,38161.74,0.8144,accelerated_UW,121,62,154,44,3.5,91,,False,95.6,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,28,UW-157,2.0,universal_life,1000000,monthly,5152.27,,15yr_declining,3803.33,,,True,facultative,direct_to_consumer,False,False,False,0.002095,0.005976,SOA_2015_VBT,SOA_Scale_MP2023,2.084,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002095,0.02,False,,1.0,False,,,,0.06,0.0396,False,normal_rate,2.82,2.2,False,False,False,False,False,0.983,68.8,55.0,super_preferred_longevity,100.0,baseline,0.889,0.962,False,,False,,996196.67,38980.69,42042.58,41218.16,9789.31,False,0,2.13,-8.67
LI-2024-INS004-000689,2008-01-06,7,31,38,1977,male,current_smoker,28.4,64,165,CT,USA,married,graduate,white_collar,79290.45,0.8856,full_paramedical,110,66,199,40,4.97,109,,True,,,False,True,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,14,UW-004,1.75,annuity_deferred,1000000,quarterly,6072.23,,none,4827.7,,,True,none,bank,False,False,False,0.004541,0.010962,SOA_2015_VBT,SOA_Scale_MP2023,1.991,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.018,False,,1.0,False,,,,0.02,0.0198,False,normal_rate,3.34,1.81,False,False,False,False,False,0.796,62.5,55.0,super_preferred_longevity,100.0,baseline,0.836,0.975,False,,False,,995172.3,48484.26,49011.05,48577.84,11537.24,False,0,3.41,2.92
LI-2024-INS004-000690,2019-04-11,5,62,67,1957,male,former_smoker,27.5,74,213,FL,USA,married,some_college,professional,69240.57,0.879,full_paramedical,116,81,235,45,5.22,99,,False,61.1,3.48,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,51,UW-198,2.0,annuity_deferred,500000,monthly,6089.97,,none,4251.89,,,False,none,employer_group,False,True,False,0.026334,0.072009,SOA_2015_VBT,SOA_Scale_MP2023,2.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026334,0.012,False,,1.0,True,2025-08-03,voluntary_surrender,5.0,0.04,0.0478,False,normal_rate,2.59,0.99,False,False,False,False,False,0.808,28.0,23.0,preferred_longevity,60.2,baseline,0.841,0.781,False,,False,,495748.11,48488.92,43454.06,48719.76,11570.94,False,0,3.84,-4.52
LI-2024-INS004-000691,2014-04-04,3,80,83,1934,female,unknown,28.0,72,206,CO,USA,married,some_college,heavy_blue_collar,42000.01,0.2594,non_med_guaranteed,136,89,220,49,4.49,106,,False,93.8,,False,False,False,False,False,none,,none,none,bipolar,2,True,True,False,False,False,substandard_table_4,2.73,4.0,True,False,False,False,18,UW-044,2.0,indexed_ul,2000000,quarterly,24870.03,,10yr_declining,16312.33,,,True,excess_of_loss,independent_broker,False,False,False,0.070732,0.270549,SOA_2015_VBT,SOA_Scale_MP2023,2.164,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.070732,0.005,False,,1.0,True,2025-07-01,voluntary_surrender,3.0,0.08,0.261,False,normal_rate,1.11,1.79,False,False,False,True,False,0.955,7.5,4.5,sub_standard_longevity,23.1,baseline,1.305,0.262,False,,False,,1983687.67,42059.5,39811.45,44766.05,78091.89,False,0,0.06,-6.67
LI-2024-INS004-000692,2017-09-18,7,21,28,1996,female,former_smoker,31.5,62,172,NJ,USA,married,high_school,heavy_blue_collar,26727.76,0.9551,simplified_issue,135,83,155,53,2.92,121,4.8,False,93.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard,0.84,,False,False,False,False,17,UW-091,1.03,group_life,500000,monthly,1253.51,,none,,,,True,none,independent_broker,False,False,False,0.001387,0.001219,SOA_2015_VBT,SOA_Scale_MP2023,1.083,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,4.2e-05,0.022,False,,1.0,False,,,,0.12,0.1123,False,normal_rate,2.88,0.84,False,False,False,False,False,0.761,70.0,55.7,super_preferred_longevity,100.0,baseline,0.784,0.883,True,37.8,False,,500000.0,10560.44,9173.59,10028.08,2381.67,False,0,2.91,19.6
LI-2024-INS004-000693,2022-05-13,1,27,28,1995,male,never_smoker,23.9,66,148,RI,USA,divorced,graduate,heavy_blue_collar,32645.72,0.5497,simplified_issue,121,65,207,59,3.51,85,4.6,False,,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,1.33,5.0,False,False,False,False,29,UW-485,2.25,term_life,500000,monthly,2324.98,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.001334,0.009053,SOA_2015_VBT,SOA_Scale_MP2023,2.484,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001667,0.022,True,0.00378,1.0,False,,,,0.1,0.126,False,normal_rate,3.03,1.76,False,False,False,False,False,0.763,68.2,55.0,super_preferred_longevity,100.0,baseline,1.088,0.538,False,,False,,500000.0,17919.2,17500.64,18599.84,4417.46,False,0,0.34,-9.91
LI-2024-INS004-000694,2005-05-19,4,31,35,1974,male,never_smoker,27.1,76,222,KY,USA,widowed,graduate,hazardous,44956.09,0.6631,limited_exam,118,79,218,35,6.23,88,4.9,False,,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,True,True,substandard_table_2,4.76,2.0,True,False,False,False,21,UW-343,1.5,annuity_deferred,1000000,annual,4371.72,,none,3174.65,,,True,quota_share,independent_broker,False,False,False,0.001896,0.003867,SOA_2015_VBT,SOA_Scale_MP2023,1.535,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000948,0.018,False,,1.0,False,,,,0.04,0.0468,False,normal_rate,3.83,0.51,False,False,False,False,False,0.842,61.2,55.0,super_preferred_longevity,100.0,baseline,1.003,0.819,False,,False,,996825.35,33917.04,33833.46,34973.76,8306.27,False,0,0.01,6.61
LI-2024-INS004-000695,2004-12-10,11,29,40,1975,female,never_smoker,21.7,58,103,WA,USA,divorced,graduate,white_collar,79100.64,0.1872,simplified_issue,104,72,202,39,5.18,100,,False,76.0,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,50,UW-375,1.25,annuity_deferred,250000,monthly,1167.01,,none,1067.5,,,False,none,captive_agent,False,False,False,0.002066,0.004115,SOA_2015_VBT,SOA_Scale_MP2023,1.281,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000517,0.018,False,,1.0,False,,,,0.01,0.0155,False,normal_rate,5.19,1.75,False,False,False,False,False,0.763,65.4,54.4,super_preferred_longevity,96.9,baseline,1.36,0.0,False,,False,,248932.5,10030.46,7994.27,9336.08,2217.32,False,0,4.22,8.25
LI-2024-INS004-000696,2008-12-19,16,23,39,1985,non_binary,former_smoker,29.4,69,199,OK,USA,married,bachelors,professional,275028.66,0.4245,full_paramedical,122,78,176,52,3.38,132,5.7,False,80.4,,False,False,False,False,False,none,,none,none,schizophrenia,3,True,False,False,True,True,substandard_table_5,4.92,5.0,True,False,False,False,39,UW-063,2.25,whole_life,250000,quarterly,1863.4,,none,2256.08,,,False,none,bank,False,False,False,0.002831,0.01176,SOA_2015_VBT,SOA_Scale_MP2023,2.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003538,0.02,False,,1.0,False,,,,0.015,0.0204,False,normal_rate,1.67,1.75,False,False,False,False,False,0.801,70.0,54.0,super_preferred_longevity,99.9,baseline,1.182,0.58,False,,False,,247743.92,13661.43,13151.23,14907.2,3540.46,False,0,1.98,-13.55
LI-2024-INS004-000697,2007-10-28,17,55,72,1952,female,former_smoker,37.2,60,190,OR,USA,married,less_than_hs,professional,93770.82,0.628,accelerated_UW,137,84,212,42,5.05,71,5.4,False,72.5,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,11,UW-057,1.5,universal_life,500000,semi_annual,4789.67,,10yr_declining,5922.26,,,False,none,captive_agent,True,False,False,0.030676,0.069221,SOA_2015_VBT,SOA_Scale_MP2023,1.707,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015338,0.012,False,,1.0,False,,,,0.04,0.0479,False,normal_rate,3.1,1.73,False,False,False,False,False,0.93,37.3,20.3,standard_longevity,52.4,baseline,1.029,0.657,False,,False,,494077.74,41629.62,38826.38,38317.36,9100.37,False,0,2.48,6.63
LI-2024-INS004-000698,2012-07-28,8,34,42,1978,female,never_smoker,30.8,63,173,NC,USA,married,graduate,professional,35325.83,0.6567,full_paramedical,143,83,234,46,5.09,114,5.4,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,47,UW-380,1.25,term_life,250000,quarterly,1161.39,20.0,none,,,,False,none,bank,False,False,False,0.002366,0.004164,SOA_2015_VBT,SOA_Scale_MP2023,1.499,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000591,0.018,False,,1.0,False,,,,0.05,0.0587,False,normal_rate,3.87,1.08,False,False,False,False,False,0.854,62.8,54.8,super_preferred_longevity,100.0,baseline,1.007,0.818,False,,False,,250000.0,9849.34,8157.03,9291.12,2206.64,False,0,2.09,17.79
LI-2024-INS004-000699,2013-04-19,4,20,24,1993,male,former_smoker,17.6,68,115,IL,USA,single,bachelors,professional,181400.07,0.9248,full_paramedical,126,80,185,74,2.5,100,5.5,False,103.7,,False,False,True,False,False,none,,none,none,none,1,False,False,False,True,True,preferred,,,False,False,False,False,25,UW-142,0.76,term_life,1000000,monthly,1464.94,30.0,none,,,,True,quota_share,employer_group,False,False,False,0.001483,0.000944,SOA_2015_VBT,SOA_Scale_MP2023,0.789,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0807,False,normal_rate,4.24,1.75,False,False,False,False,False,0.904,70.0,58.6,super_preferred_longevity,100.0,baseline,0.806,0.906,True,53.9,False,,1000000.0,11479.07,10955.91,11719.52,2783.39,False,0,3.85,26.86
LI-2024-INS004-000700,2007-11-07,18,69,87,1938,female,never_smoker,25.3,69,171,OH,USA,married,high_school,heavy_blue_collar,71124.77,0.6352,accelerated_UW,133,77,226,44,5.14,80,4.9,False,69.6,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,0.92,1.0,False,False,False,True,23,UW-241,1.25,whole_life,2000000,semi_annual,18749.78,,none,23029.38,,,True,none,employer_group,False,False,False,0.088225,0.148576,SOA_2015_VBT,SOA_Scale_MP2023,1.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022056,0.005,False,,1.0,False,,,,0.015,0.0215,False,normal_rate,4.93,1.7,False,False,False,False,False,0.997,20.6,2.6,sub_standard_longevity,25.9,baseline,1.024,0.683,False,,False,,1976970.62,20972.88,17086.15,19499.77,61724.28,False,0,4.38,13.46
LI-2024-INS004-000701,2015-02-20,1,66,67,1949,female,unknown,19.3,63,109,WV,USA,married,high_school,heavy_blue_collar,29293.92,0.7885,full_paramedical,132,88,201,53,3.79,85,,False,72.3,,False,True,True,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,0.67,1.0,False,False,False,False,26,UW-139,1.25,whole_life,250000,semi_annual,1525.41,,none,966.34,,,False,none,worksite,False,False,False,0.01805,0.02626,SOA_2015_VBT,SOA_Scale_MP2023,1.326,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004513,0.008,False,,1.0,False,,,,0.06,0.0642,False,normal_rate,3.54,2.33,False,False,False,False,False,0.911,29.1,28.1,preferred_longevity,76.5,baseline,0.909,0.755,False,,False,,249033.66,11657.83,10946.39,12203.28,2898.28,False,0,2.33,5.94
LI-2024-INS004-000702,2010-06-28,17,56,73,1954,female,never_smoker,21.9,62,119,AR,USA,single,high_school,heavy_blue_collar,34210.46,0.4968,accelerated_UW,138,91,192,41,4.68,139,5.5,False,70.3,,False,True,False,False,False,none,,none,none,anxiety,9,False,False,False,False,False,substandard_table_1,0.52,1.0,False,False,False,True,3,UW-155,1.25,group_life,250000,monthly,1655.67,,none,,,,False,none,bank,True,False,False,0.026382,0.045737,SOA_2015_VBT,SOA_Scale_MP2023,1.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006595,0.012,False,,1.0,False,,,,0.1,0.1303,False,normal_rate,4.54,0.82,False,False,False,False,False,0.849,36.0,19.0,standard_longevity,48.5,baseline,1.127,0.657,False,,False,,250000.0,12217.17,11343.04,12583.09,3278.23,False,0,-2.27,10.2
LI-2024-INS004-000703,2014-03-15,8,40,48,1974,female,never_smoker,23.1,62,126,CT,USA,married,graduate,white_collar,89474.71,0.8657,non_med_guaranteed,120,74,216,55,3.93,83,,False,74.0,,False,False,False,False,False,none,,none,none,anxiety,8,False,False,False,False,False,preferred_plus,,,False,False,False,False,10,UW-292,0.69,term_life,250000,monthly,743.38,20.0,none,,,,False,none,captive_agent,False,False,False,0.00367,0.00182,SOA_2015_VBT,SOA_Scale_MP2023,0.583,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0504,False,normal_rate,5.13,2.26,False,False,False,False,False,0.98,57.0,52.6,super_preferred_longevity,100.0,baseline,0.851,0.906,True,56.0,False,,250000.0,6380.64,5317.9,5947.04,1412.42,False,0,5.26,21.64
LI-2024-INS004-000704,2022-10-04,4,27,31,1995,male,never_smoker,19.5,71,139,TX,USA,divorced,graduate,white_collar,306286.83,0.5886,limited_exam,140,92,140,72,1.94,104,5.1,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,40,UW-449,1.25,term_life,250000,monthly,889.01,15.0,none,,,,False,none,bank,False,False,False,0.001532,0.006368,SOA_2015_VBT,SOA_Scale_MP2023,1.459,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000383,0.022,True,0.00362,1.0,False,,,,0.07,0.086,False,normal_rate,2.97,2.81,True,False,False,False,False,0.929,68.4,55.0,super_preferred_longevity,100.0,baseline,1.059,0.603,False,,False,,250000.0,7665.67,6673.17,7112.08,1689.12,False,0,3.82,16.24
LI-2024-INS004-000705,2007-06-06,17,47,64,1960,male,never_smoker,30.7,74,238,MA,USA,married,high_school,heavy_blue_collar,20000.0,0.9617,non_med_guaranteed,134,88,198,43,4.6,78,5.6,False,,5.17,False,False,False,False,True,prostate,5.2,none,none,none,3,False,False,False,False,True,substandard_table_1,1.43,1.0,False,False,False,False,34,UW-190,1.25,whole_life,250000,monthly,1519.54,,none,1777.47,,,False,none,independent_broker,False,False,False,0.015951,0.022259,SOA_2015_VBT,SOA_Scale_MP2023,1.471,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003988,0.015,False,,1.0,False,,,,0.015,0.014,False,normal_rate,5.68,1.45,False,False,False,False,False,0.943,44.0,27.0,preferred_longevity,67.4,baseline,0.779,0.994,False,,False,,248222.53,12225.28,12614.06,12156.32,2887.13,False,0,1.94,16.08
LI-2024-INS004-000706,2010-05-24,7,44,51,1966,male,never_smoker,31.6,75,252,WI,USA,single,graduate,professional,105418.18,0.3717,full_paramedical,142,81,220,46,4.78,102,,False,73.1,0.7,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-362,2.25,term_life,1000000,semi_annual,9830.04,15.0,none,,,,True,none,captive_agent,False,False,False,0.005801,0.02482,SOA_2015_VBT,SOA_Scale_MP2023,2.48,infectious,True,2012-03-09,True,True,1328668.08,0.0007,5e-05,1.095,0.007251,0.015,False,,1.0,False,,,,0.05,0.0701,False,normal_rate,2.59,1.97,False,False,False,False,False,0.818,45.6,38.6,preferred_longevity,76.0,baseline,1.221,0.412,False,,False,,1000000.0,78399.25,73343.31,78640.32,18677.08,False,0,0.26,-17.0
LI-2024-INS004-000707,2009-03-14,7,37,44,1972,male,never_smoker,32.7,75,261,CA,USA,single,some_college,professional,70153.82,0.2956,full_paramedical,132,75,242,50,4.84,131,5.9,False,,7.11,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard,,,False,False,False,False,28,UW-222,1.06,universal_life,1000000,annual,4264.75,,10yr_declining,3624.66,,,True,quota_share,worksite,False,False,False,0.003406,0.004571,SOA_2015_VBT,SOA_Scale_MP2023,1.003,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000204,0.018,False,,1.0,False,,,,0.06,0.0395,False,normal_rate,3.53,2.06,False,False,False,False,False,0.844,53.4,46.4,super_preferred_longevity,86.5,baseline,1.278,0.316,False,,False,,996375.34,33430.44,35691.13,34118.0,8103.02,False,0,-0.76,9.25
LI-2024-INS004-000708,2009-12-18,14,32,46,1977,female,former_smoker,21.8,68,143,SD,USA,married,some_college,hazardous,157514.09,0.8733,limited_exam,99,58,248,42,5.9,91,5.9,False,96.3,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,3.91,1.0,True,False,False,False,9,UW-414,1.25,group_life,250000,monthly,1189.53,,none,,,,False,none,independent_broker,False,False,False,0.004101,0.006095,SOA_2015_VBT,SOA_Scale_MP2023,1.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001025,0.018,False,,1.0,False,,,,0.1,0.1001,False,normal_rate,5.22,2.29,False,False,False,False,False,0.918,65.5,52.6,super_preferred_longevity,100.0,baseline,0.845,0.893,True,40.5,False,,250000.0,9454.43,8455.06,9516.24,2260.11,False,0,1.91,17.31
LI-2024-INS004-000709,2007-05-21,14,34,48,1973,male,never_smoker,30.1,71,216,MD,USA,married,bachelors,professional,68227.6,0.6798,limited_exam,139,85,252,53,4.75,81,,False,,1.3,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-456,2.25,term_life,250000,monthly,2435.99,30.0,none,,,,False,none,worksite,True,False,False,0.004587,0.01664,SOA_2015_VBT,SOA_Scale_MP2023,2.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005734,0.018,False,,1.0,False,,,,0.03,0.0347,False,normal_rate,2.93,1.25,False,False,False,False,False,0.812,58.1,44.1,super_preferred_longevity,88.8,baseline,0.99,0.748,False,,False,,250000.0,18456.37,16960.32,19487.92,4628.38,False,0,-0.49,-16.33
LI-2024-INS004-000710,2000-02-13,24,55,79,1945,male,never_smoker,27.5,62,150,TN,USA,divorced,graduate,light_blue_collar,122979.91,0.2091,full_paramedical,153,86,173,57,3.04,93,4.8,False,92.2,3.14,True,False,True,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-322,1.5,term_life,500000,monthly,4573.51,20.0,none,,,,False,none,bank,False,False,False,0.054124,0.139381,SOA_2015_VBT,SOA_Scale_MP2023,1.545,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027062,0.008,False,,1.0,False,,,,0.03,0.046,False,normal_rate,3.51,0.51,False,False,False,False,False,0.857,33.2,9.2,standard_longevity,39.4,baseline,1.343,0.069,False,,False,,500000.0,15558.78,16308.12,16830.52,12641.18,False,0,1.49,9.73
LI-2024-INS004-000711,2005-01-27,6,25,31,1980,female,never_smoker,30.9,72,228,KS,USA,single,bachelors,heavy_blue_collar,20000.0,0.5333,simplified_issue,126,79,218,36,6.06,103,5.2,False,97.3,,False,True,False,False,True,melanoma,2.1,none,none,none,1,False,False,False,False,True,substandard_table_5,1.32,5.0,False,False,False,False,31,UW-272,2.25,term_life,5000000,monthly,29381.32,25.0,none,,,,True,none,independent_broker,False,False,False,0.001226,0.004625,SOA_2015_VBT,SOA_Scale_MP2023,2.294,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001532,0.02,False,,1.0,False,,,,0.05,0.0637,False,normal_rate,3.59,0.78,False,False,False,False,False,0.883,70.0,55.0,super_preferred_longevity,100.0,baseline,1.1,0.312,False,,False,,5000000.0,212052.97,222481.59,235050.56,55824.51,False,0,2.66,-9.71
LI-2024-INS004-000712,2005-01-28,2,34,36,1971,male,never_smoker,32.1,76,264,OH,USA,divorced,high_school,professional,76529.53,0.2183,full_paramedical,121,75,201,50,4.02,105,5.2,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,standard,,,False,False,False,False,28,UW-058,1.01,term_life,500000,quarterly,1435.55,20.0,none,,,,False,none,employer_group,False,False,False,0.00201,0.002939,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,2e-05,0.018,False,,1.0,False,,,,0.07,0.1794,False,normal_rate,3.01,0.71,False,False,False,True,False,0.884,56.0,54.0,super_preferred_longevity,96.8,baseline,1.336,0.32,False,,False,,500000.0,11411.55,11666.63,11484.4,2727.55,False,0,2.62,18.07
LI-2024-INS004-000713,2023-03-20,2,18,20,2005,male,never_smoker,27.1,76,222,KY,USA,married,some_college,white_collar,58896.47,0.9143,accelerated_UW,116,68,177,65,2.72,79,,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,True,False,False,False,False,standard,3.57,,True,True,False,True,4,UW-341,1.0,term_life,500000,semi_annual,720.63,25.0,none,,,,False,none,independent_broker,False,False,False,0.001007,0.000884,SOA_2015_VBT,SOA_Scale_MP2023,1.078,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0678,False,normal_rate,3.42,1.76,False,False,False,False,False,0.756,70.0,55.0,super_preferred_longevity,100.0,baseline,0.814,0.919,True,30.7,True,0.649,500000.0,5943.81,5162.27,5765.04,1369.2,False,0,2.09,21.98
LI-2024-INS004-000714,2014-07-09,5,60,65,1954,female,never_smoker,37.6,66,232,MA,USA,married,less_than_hs,professional,581912.27,0.5082,full_paramedical,131,74,196,46,4.26,100,4.2,False,,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,29,UW-099,1.5,term_life,500000,annual,3958.52,15.0,none,,,,False,none,independent_broker,False,False,False,0.013139,0.029193,SOA_2015_VBT,SOA_Scale_MP2023,1.539,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006569,0.012,False,,1.0,False,,,,0.07,0.0905,False,normal_rate,3.45,0.67,False,False,False,False,False,0.865,32.1,27.1,preferred_longevity,60.8,baseline,1.119,0.519,False,,False,,500000.0,33580.74,31471.91,31668.16,7521.19,False,0,1.85,7.89
LI-2024-INS004-000715,2021-07-09,3,52,55,1969,female,former_smoker,35.6,67,227,NC,USA,married,graduate,white_collar,136427.95,0.7328,full_paramedical,128,77,242,57,4.25,118,6.0,False,100.0,,True,False,False,False,False,none,,pre_diabetes,none,none,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,32,UW-468,1.25,term_life,5000000,monthly,27013.59,30.0,none,,,,True,excess_of_loss,bank,False,False,False,0.008346,0.016248,SOA_2015_VBT,SOA_Scale_MP2023,1.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002087,0.015,True,0.00321,1.0,True,2025-07-31,replacement,3.0,0.07,0.078,False,normal_rate,3.97,1.5,True,False,False,False,False,0.975,43.5,40.5,super_preferred_longevity,84.2,baseline,0.95,0.646,False,,False,,5000000.0,207742.01,186938.43,216108.72,51325.82,False,0,0.63,18.71
LI-2024-INS004-000716,2014-01-05,3,74,77,1940,female,never_smoker,32.6,62,178,MN,USA,widowed,some_college,light_blue_collar,115437.67,0.7005,full_paramedical,152,106,192,56,3.43,85,5.0,False,81.0,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-256,2.0,term_life,500000,monthly,6667.0,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.03495,0.106143,SOA_2015_VBT,SOA_Scale_MP2023,2.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03495,0.008,False,,1.0,False,,,,0.07,0.1117,False,normal_rate,5.03,2.75,True,False,False,False,False,0.902,16.4,15.4,standard_longevity,46.1,baseline,0.975,0.804,True,76.0,False,,500000.0,42432.02,36513.77,41068.72,15120.76,False,0,-1.57,-0.77
LI-2024-INS004-000717,2016-05-25,5,42,47,1974,female,never_smoker,19.4,68,127,PA,USA,married,some_college,white_collar,34994.32,0.4908,accelerated_UW,122,82,185,48,3.85,99,5.1,False,87.8,,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,3,UW-481,2.25,term_life,250000,annual,2164.29,30.0,none,,,,False,none,captive_agent,True,False,False,0.003401,0.013735,SOA_2015_VBT,SOA_Scale_MP2023,2.464,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004251,0.018,False,,1.0,False,,,,0.07,0.0915,False,normal_rate,4.13,2.71,False,False,False,False,False,0.889,53.5,48.5,super_preferred_longevity,92.6,baseline,1.132,0.403,False,,False,,250000.0,16176.17,17725.51,17314.32,4112.15,False,0,0.86,-18.45
LI-2024-INS004-000718,2005-04-07,15,41,56,1964,male,never_smoker,22.5,71,161,VA,USA,single,graduate,white_collar,112701.07,0.9507,full_paramedical,120,77,196,48,4.08,105,4.3,False,96.8,1.85,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,19,UW-057,0.78,group_life,100000,annual,379.92,,none,,,,False,none,independent_broker,False,False,False,0.008588,0.005326,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.1,0.0939,False,normal_rate,1.13,1.22,False,False,False,False,False,0.804,50.6,35.6,super_preferred_longevity,80.2,baseline,0.787,0.836,False,,False,,100000.0,3003.45,2707.64,3039.36,721.85,False,0,4.12,28.24
LI-2024-INS004-000719,2019-10-17,8,74,82,1945,male,never_smoker,29.3,63,165,AL,USA,single,some_college,white_collar,60206.5,0.7836,accelerated_UW,118,68,215,42,5.12,90,,False,77.0,11.65,False,False,True,True,False,none,,none,none,depression,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,42,UW-040,2.5,term_life,500000,semi_annual,8375.07,15.0,none,,,,False,none,independent_broker,False,False,False,0.070173,0.269468,SOA_2015_VBT,SOA_Scale_MP2023,2.565,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.10526,0.008,False,,1.0,False,,,,0.05,0.0537,False,normal_rate,5.31,1.27,False,False,False,False,False,0.855,16.5,8.5,standard_longevity,47.0,baseline,0.912,0.718,False,,False,,500000.0,29226.44,24279.39,28475.24,23617.7,False,0,-2.98,-20.0
LI-2024-INS004-000720,2023-10-13,1,25,26,1998,male,former_smoker,33.4,73,253,NH,USA,divorced,bachelors,professional,45567.79,0.2767,full_paramedical,110,69,236,53,4.45,105,5.0,False,101.0,,True,False,False,False,False,none,,none,none,none,0,True,False,False,True,True,standard_plus,2.49,,True,False,False,False,19,UW-467,0.94,annuity_immediate,250000,monthly,576.05,,none,,,,False,none,employer_group,False,False,False,0.001597,0.001909,SOA_2015_VBT,SOA_Scale_MP2023,0.925,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.01,0.0248,False,normal_rate,4.14,0.93,False,False,False,False,False,0.759,69.6,55.0,super_preferred_longevity,99.2,baseline,1.292,0.322,False,,False,,250000.0,4652.64,4047.11,4608.4,1094.49,False,0,7.19,26.32
LI-2024-INS004-000721,2014-10-13,7,66,73,1948,female,former_smoker,22.9,70,159,NC,USA,divorced,high_school,hazardous,301034.43,0.4422,full_paramedical,115,77,203,42,4.83,109,5.8,False,91.1,,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_1,2.67,1.0,True,False,False,False,21,UW-189,1.25,term_life,1000000,monthly,8190.31,25.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.034168,0.068222,SOA_2015_VBT,SOA_Scale_MP2023,1.495,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008542,0.008,False,,1.0,False,,,,0.05,0.0673,False,normal_rate,1.67,2.74,False,False,False,False,False,0.894,24.6,18.8,standard_longevity,47.3,baseline,1.168,0.398,True,54.1,False,,1000000.0,59620.39,58498.18,61591.13,16347.86,False,0,6.16,12.42
LI-2024-INS004-000722,2021-10-21,2,52,54,1969,male,never_smoker,28.8,75,230,SD,USA,single,some_college,white_collar,338936.28,0.4695,simplified_issue,128,81,227,71,3.2,105,,False,96.8,2.46,False,False,False,False,True,prostate,11.7,none,none,anxiety,9,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,52,UW-494,1.25,term_life,1000000,semi_annual,5539.01,30.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.007392,0.021379,SOA_2015_VBT,SOA_Scale_MP2023,1.408,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001848,0.015,True,0.00758,1.0,True,2025-09-02,voluntary_surrender,2.0,0.07,0.0927,False,normal_rate,6.38,1.23,False,False,False,False,False,0.946,38.4,36.4,preferred_longevity,74.1,baseline,1.148,0.523,False,,False,,1000000.0,40800.64,37872.11,44312.08,10524.12,False,0,1.9,7.54
LI-2024-INS004-000723,2008-06-19,2,36,38,1972,female,unknown,29.6,67,188,MA,USA,married,high_school,light_blue_collar,86266.66,0.6302,non_med_guaranteed,128,90,235,54,4.35,113,,False,86.5,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,61,UW-416,2.0,universal_life,1000000,monthly,6798.81,,10yr_declining,4555.3,,,True,coinsurance,direct_to_consumer,False,False,False,0.002089,0.00664,SOA_2015_VBT,SOA_Scale_MP2023,2.121,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002089,0.018,False,,1.0,False,,,,0.08,0.0603,False,normal_rate,1.9,2.61,False,False,False,False,False,0.897,59.8,55.0,super_preferred_longevity,100.0,baseline,1.027,0.479,False,,False,,995444.7,58220.66,55499.15,54390.48,12917.74,False,0,3.71,-3.74
LI-2024-INS004-000724,2020-03-20,5,35,40,1985,female,former_smoker,38.7,64,225,HI,USA,single,bachelors,white_collar,31335.35,0.5933,full_paramedical,143,95,285,52,5.48,77,5.3,False,71.2,,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,28,UW-074,1.5,whole_life,1000000,semi_annual,4996.49,,none,3533.06,,,True,quota_share,bank,True,False,False,0.002686,0.009898,SOA_2015_VBT,SOA_Scale_MP2023,1.643,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001343,0.02,True,0.0039,1.0,False,,,,0.04,0.049,False,normal_rate,1.28,2.04,False,False,False,False,False,0.839,62.7,55.0,super_preferred_longevity,100.0,baseline,1.055,0.675,False,,False,,996466.94,36148.73,34452.2,39971.92,9493.33,False,0,0.52,4.06
LI-2024-INS004-000725,2000-07-26,7,33,40,1967,male,never_smoker,34.5,62,188,NY,USA,married,high_school,white_collar,77815.89,0.749,full_paramedical,149,92,164,49,3.35,107,4.8,False,78.9,1.33,True,False,True,False,False,none,,none,none,anxiety,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,26,UW-032,1.5,whole_life,500000,quarterly,2362.59,,none,1949.66,,,False,none,bank,False,False,False,0.002583,0.005527,SOA_2015_VBT,SOA_Scale_MP2023,1.748,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001291,0.015,False,,1.0,False,,,,0.02,0.022,False,normal_rate,5.06,0.72,False,False,False,False,False,0.81,61.2,58.2,super_preferred_longevity,100.0,baseline,0.938,0.727,True,56.2,False,,498050.34,20444.93,16184.37,18900.72,4488.92,False,0,3.48,5.05
LI-2024-INS004-000726,2013-08-24,12,80,92,1933,female,never_smoker,33.8,65,203,NJ,USA,single,some_college,light_blue_collar,112472.99,0.46,full_paramedical,149,86,227,44,5.16,100,6.3,False,69.9,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-072,1.5,term_life,250000,monthly,2654.09,20.0,none,,,,False,none,captive_agent,False,False,False,0.130225,0.294938,SOA_2015_VBT,SOA_Scale_MP2023,1.528,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065112,0.005,False,,1.0,False,,,,0.03,0.04,False,normal_rate,2.78,0.71,False,False,False,False,False,0.946,8.2,1.1,sub_standard_longevity,21.1,baseline,1.155,0.495,True,63.6,False,,250000.0,1172.48,1071.19,1167.8,9055.76,False,0,1.34,8.78
LI-2024-INS004-000727,2014-01-05,5,42,47,1972,male,never_smoker,25.0,73,189,NH,USA,married,high_school,professional,112838.17,0.4791,accelerated_UW,102,55,259,37,7.0,111,5.2,False,,2.0,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,25,UW-450,2.25,indexed_ul,500000,annual,4123.3,,10yr_declining,3144.58,,,False,none,captive_agent,False,False,False,0.004251,0.016388,SOA_2015_VBT,SOA_Scale_MP2023,2.284,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005314,0.018,False,,1.0,False,,,,0.08,0.1639,False,normal_rate,4.26,2.89,False,False,False,True,False,0.816,49.2,44.2,super_preferred_longevity,86.0,baseline,1.141,0.445,False,,False,,496855.42,32156.72,29230.81,32986.4,7834.27,False,0,-0.62,-11.17
LI-2024-INS004-000728,2024-09-20,1,75,76,1949,female,former_smoker,22.4,69,151,MD,USA,divorced,some_college,white_collar,171502.34,0.9224,full_paramedical,147,94,196,67,2.93,103,,False,96.9,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-133,1.5,term_life,500000,monthly,4317.7,20.0,none,,,,False,none,independent_broker,False,False,False,0.044762,0.081928,SOA_2015_VBT,SOA_Scale_MP2023,1.646,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022381,0.008,False,,1.0,False,,,,0.1,0.0962,False,normal_rate,3.22,2.47,False,False,False,False,False,0.921,17.7,16.7,standard_longevity,51.4,baseline,0.808,0.947,False,,False,,500000.0,30367.99,25236.59,28842.24,9343.5,False,0,1.93,4.39
LI-2024-INS004-000729,2012-08-02,15,65,80,1947,female,former_smoker,28.9,64,168,WI,USA,married,some_college,white_collar,42374.55,0.8515,full_paramedical,115,66,202,44,4.59,67,,False,,,False,True,False,False,True,lymphoma,4.8,none,none,depression,5,False,False,False,False,True,declined,,,False,False,True,False,23,UW-340,7.0,term_life,1000000,monthly,42033.64,20.0,none,,,,True,none,independent_broker,False,False,False,0.062386,0.708139,SOA_2015_VBT,SOA_Scale_MP2023,6.212,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.374318,0.008,False,,1.0,False,,,,0.03,0.0306,False,normal_rate,1.72,2.12,False,False,False,False,False,0.85,27.1,12.1,standard_longevity,43.4,baseline,0.861,0.93,False,,False,,1000000.0,188205.04,195775.0,203442.82,106429.18,False,0,-5.0,-20.0
LI-2024-INS004-000730,2021-09-11,1,76,77,1945,female,current_smoker,36.0,64,209,MT,USA,married,some_college,heavy_blue_collar,36731.5,0.4685,limited_exam,149,110,235,45,5.22,125,5.6,True,,,False,False,False,False,False,none,,none,mild_gold_1,none,6,False,False,False,False,False,substandard_table_6,0.89,6.0,False,False,False,False,3,UW-175,2.5,whole_life,500000,quarterly,7205.86,,none,4248.85,,,True,none,captive_agent,False,False,False,0.072765,0.330562,SOA_2015_VBT,SOA_Scale_MP2023,2.602,cancer,True,2022-03-21,True,False,1117645.85,0.0007,5e-05,1.095,0.109147,0.008,True,0.00394,1.0,False,,,,0.06,0.0795,False,normal_rate,3.66,2.87,False,False,False,False,False,0.94,14.3,13.3,standard_longevity,39.5,baseline,1.149,0.591,False,,False,,495751.15,41340.51,36863.44,38335.18,17553.47,False,0,0.88,-19.4
LI-2024-INS004-000731,2012-10-16,5,53,58,1959,female,never_smoker,26.6,71,190,RI,USA,widowed,bachelors,white_collar,88543.21,0.5596,non_med_guaranteed,113,63,268,51,5.25,109,,False,72.3,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-121,1.25,term_life,250000,monthly,1481.33,20.0,none,,,,False,none,independent_broker,False,False,False,0.007669,0.013144,SOA_2015_VBT,SOA_Scale_MP2023,1.355,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001917,0.012,False,,1.0,False,,,,0.07,0.0877,False,normal_rate,3.51,2.56,False,False,False,False,False,0.836,40.0,35.0,preferred_longevity,73.4,baseline,1.08,0.571,False,,False,,250000.0,12649.03,10932.98,11850.64,2814.53,False,0,1.83,6.98
LI-2024-INS004-000732,2012-01-14,3,68,71,1944,male,never_smoker,30.9,66,191,NM,USA,single,bachelors,white_collar,20000.0,0.4527,full_paramedical,140,94,249,26,9.58,114,5.5,False,77.6,1.65,False,True,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,23,UW-158,1.75,universal_life,250000,monthly,2567.87,,10yr_declining,1624.09,,,False,none,direct_to_consumer,False,False,False,0.026713,0.075866,SOA_2015_VBT,SOA_Scale_MP2023,1.801,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020035,0.008,False,,1.0,False,,,,0.08,0.0674,False,normal_rate,2.57,1.89,False,False,False,False,False,0.857,18.1,15.1,standard_longevity,41.9,baseline,1.16,0.377,False,,False,,248375.91,15634.14,15313.67,15509.93,5885.56,False,0,-5.0,-1.59
LI-2024-INS004-000733,2021-12-24,3,55,58,1966,female,unknown,21.9,60,112,OK,USA,married,graduate,light_blue_collar,20000.0,0.8238,full_paramedical,127,72,241,56,4.3,100,5.6,False,87.4,,False,False,False,False,False,none,,none,none,none,6,False,False,False,True,True,standard_plus,,,False,False,False,False,25,UW-213,0.93,annuity_deferred,500000,semi_annual,2275.46,,none,1619.93,,,False,none,captive_agent,False,True,False,0.009482,0.011123,SOA_2015_VBT,SOA_Scale_MP2023,0.907,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00354,1.0,False,,,,0.04,0.0416,False,normal_rate,3.4,2.58,False,False,False,False,False,0.789,40.4,37.4,super_preferred_longevity,81.0,baseline,0.882,0.792,False,,False,,498380.07,19085.71,17876.56,18203.68,4323.37,False,0,5.95,23.01
LI-2024-INS004-000734,2008-12-11,15,26,41,1982,female,never_smoker,34.2,65,205,PA,USA,married,less_than_hs,heavy_blue_collar,49398.79,0.7066,simplified_issue,120,75,170,42,4.05,98,4.9,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,1.0,5.0,False,False,False,False,26,UW-307,2.25,annuity_deferred,250000,annual,1938.79,,none,2268.8,,,False,none,independent_broker,False,False,False,0.002209,0.007669,SOA_2015_VBT,SOA_Scale_MP2023,2.29,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,False,,1.0,False,,,,0.01,0.0113,False,normal_rate,6.14,1.5,False,False,False,False,False,0.792,70.0,55.0,super_preferred_longevity,100.0,baseline,0.97,0.827,False,,False,,247731.2,14386.34,15982.54,15510.32,3683.7,False,0,0.14,-11.33
LI-2024-INS004-000735,2004-12-26,13,66,79,1938,male,never_smoker,30.3,70,210,VA,USA,divorced,bachelors,light_blue_collar,110633.78,0.8226,full_paramedical,144,91,248,61,4.07,111,,False,77.6,3.02,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-452,1.25,term_life,500000,semi_annual,3961.76,25.0,none,,,,False,none,employer_group,False,False,False,0.055511,0.080005,SOA_2015_VBT,SOA_Scale_MP2023,1.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013878,0.005,False,,1.0,False,,,,0.03,0.0375,False,normal_rate,4.92,1.42,False,False,False,False,False,0.913,20.4,7.4,standard_longevity,35.9,baseline,0.883,0.838,False,,False,,500000.0,12773.05,11291.33,11726.81,11520.8,False,0,1.91,14.61
LI-2024-INS004-000736,2023-06-25,2,55,57,1968,male,never_smoker,32.0,63,180,ME,USA,single,bachelors,white_collar,20000.0,0.9048,limited_exam,120,70,245,53,4.62,81,,False,89.7,3.17,True,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,3,UW-389,0.77,group_life,1000000,quarterly,3577.23,,none,,,,True,coinsurance,worksite,False,False,False,0.009477,0.005893,SOA_2015_VBT,SOA_Scale_MP2023,0.757,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.15,0.1464,False,normal_rate,3.58,1.13,False,False,False,False,False,0.907,40.0,38.0,super_preferred_longevity,93.1,baseline,0.821,1.0,False,,False,,1000000.0,28388.9,24901.19,28617.84,6796.74,False,0,4.41,23.92
LI-2024-INS004-000737,2000-06-13,11,60,71,1940,female,never_smoker,19.9,71,142,PA,USA,married,some_college,heavy_blue_collar,44736.45,0.9003,limited_exam,141,101,219,56,3.91,60,,False,79.2,,False,False,False,False,True,breast,1.3,none,none,none,3,False,False,False,False,True,standard,1.22,,False,True,False,False,40,UW-496,1.0,whole_life,500000,annual,2605.53,,none,2551.88,,,True,coinsurance,employer_group,False,False,False,0.020695,0.017154,SOA_2015_VBT,SOA_Scale_MP2023,1.005,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.015,0.0176,False,normal_rate,3.21,1.77,False,False,False,False,False,0.823,31.2,20.2,standard_longevity,56.3,baseline,0.825,0.901,False,,False,,497448.12,18818.72,18095.4,20844.24,4950.51,False,0,5.21,23.32
LI-2024-INS004-000738,2003-06-20,15,68,83,1935,female,never_smoker,25.0,58,119,PA,USA,married,graduate,professional,70339.49,0.7204,simplified_issue,136,77,262,41,6.39,89,5.3,False,74.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-310,2.25,term_life,250000,quarterly,3717.77,20.0,none,,,,False,none,captive_agent,False,False,False,0.061815,0.225104,SOA_2015_VBT,SOA_Scale_MP2023,2.492,cardiovascular,True,2003-10-07,True,True,1227049.84,0.0007,5e-05,1.095,0.077269,0.005,False,,1.0,False,,,,0.03,0.0337,False,normal_rate,3.7,1.4,False,False,False,False,False,0.825,21.5,6.5,sub_standard_longevity,33.1,baseline,0.96,0.719,False,,False,,250000.0,9079.11,8899.42,9666.2,11078.95,False,0,-2.93,-13.81
LI-2024-INS004-000739,2023-01-19,2,36,38,1987,female,never_smoker,24.8,71,178,OR,USA,married,bachelors,professional,27502.7,0.7671,full_paramedical,139,83,175,37,4.73,105,5.1,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-037,2.25,group_life,1000000,annual,7862.13,,none,,,,True,none,worksite,False,False,False,0.001816,0.006183,SOA_2015_VBT,SOA_Scale_MP2023,2.33,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.02,False,,1.0,False,,,,0.15,0.1629,False,normal_rate,4.18,2.17,False,False,False,False,False,0.892,62.7,57.5,super_preferred_longevity,100.0,baseline,0.925,0.943,True,47.7,False,,1000000.0,59611.53,62149.58,62897.04,14938.05,False,0,0.8,-10.65
LI-2024-INS004-000740,2006-11-20,15,73,88,1933,female,never_smoker,26.1,70,181,NC,USA,single,less_than_hs,white_collar,20173.3,0.6442,full_paramedical,133,83,205,39,5.26,91,,False,68.6,,False,False,False,False,True,breast,12.1,none,none,none,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,65,UW-311,1.25,term_life,100000,quarterly,1035.37,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.093588,0.145588,SOA_2015_VBT,SOA_Scale_MP2023,1.284,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023397,0.005,False,,1.0,False,,,,0.03,0.0498,False,normal_rate,3.3,2.77,False,False,False,False,False,0.778,15.9,2.4,sub_standard_longevity,25.8,baseline,1.017,0.745,True,70.5,True,0.857,100000.0,981.62,950.2,993.96,3425.0,False,0,3.71,14.89
LI-2024-INS004-000741,2020-03-09,5,66,71,1954,male,former_smoker,38.2,72,281,WI,USA,divorced,high_school,white_collar,112071.9,0.3225,full_paramedical,136,76,256,53,4.83,120,5.4,False,72.9,3.54,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-486,2.0,indexed_ul,500000,semi_annual,6787.2,,15yr_declining,4878.6,,,False,none,captive_agent,False,False,False,0.035996,0.136479,SOA_2015_VBT,SOA_Scale_MP2023,2.074,cancer,True,2023-02-09,False,False,1605499.64,0.0007,5e-05,1.095,0.035996,0.012,True,0.00656,1.0,False,,,,0.08,0.0519,False,normal_rate,2.24,1.58,False,False,False,False,False,0.934,21.4,16.4,standard_longevity,41.9,baseline,1.258,0.225,False,,False,,495121.4,42919.09,41655.12,44524.03,14850.39,False,0,-0.04,-8.63
LI-2024-INS004-000742,2015-01-21,1,41,42,1974,female,former_smoker,23.1,71,165,AL,USA,widowed,some_college,hazardous,65124.8,0.5679,full_paramedical,111,71,214,64,3.34,88,5.6,False,,,True,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_1,4.37,1.0,True,False,False,False,15,UW-104,1.25,universal_life,2000000,quarterly,9519.11,,15yr_declining,6202.45,,,True,none,independent_broker,False,False,False,0.003075,0.005641,SOA_2015_VBT,SOA_Scale_MP2023,1.475,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000769,0.018,False,,1.0,False,,,,0.12,0.0673,False,normal_rate,2.23,1.34,False,False,False,False,False,0.956,54.8,53.8,super_preferred_longevity,100.0,baseline,1.074,0.605,False,,False,,1993797.55,71467.63,73014.1,76152.88,18086.31,False,0,3.93,13.03
LI-2024-INS004-000743,2006-03-09,5,61,66,1945,male,never_smoker,34.5,76,283,MO,USA,married,bachelors,light_blue_collar,45256.59,0.6396,full_paramedical,135,78,256,42,6.1,75,5.5,False,71.7,5.4,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-388,2.25,whole_life,2000000,quarterly,22705.68,,none,16660.17,,,True,coinsurance,direct_to_consumer,False,False,False,0.017419,0.063006,SOA_2015_VBT,SOA_Scale_MP2023,2.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021774,0.008,False,,1.0,False,,,,0.04,0.0665,False,normal_rate,4.8,2.91,False,False,False,False,False,1.0,25.9,19.0,standard_longevity,50.6,baseline,1.02,0.723,True,0.0,False,,1983339.83,155340.55,179087.34,172563.17,44957.25,False,0,0.14,-8.4
LI-2024-INS004-000744,2012-03-12,11,33,44,1979,female,former_smoker,35.0,59,173,MS,USA,married,some_college,heavy_blue_collar,56926.83,0.5636,full_paramedical,139,80,220,36,6.11,117,8.0,False,74.5,,True,False,False,False,False,none,,type_2,none,anxiety,3,False,False,False,False,True,substandard_table_5,0.65,5.0,False,False,False,False,32,UW-446,2.25,universal_life,500000,monthly,4094.77,,10yr_declining,3873.57,,,False,none,direct_to_consumer,False,False,False,0.003542,0.013466,SOA_2015_VBT,SOA_Scale_MP2023,2.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004427,0.018,False,,1.0,False,,,,0.04,0.1895,True,normal_rate,3.6,2.45,False,False,False,False,False,0.846,63.5,52.5,super_preferred_longevity,99.7,baseline,1.077,0.565,False,,False,,496126.43,32153.99,31357.73,32758.16,7780.06,False,0,0.87,-14.76
LI-2024-INS004-000745,2020-04-10,4,46,50,1974,male,current_smoker,22.8,65,137,OR,USA,single,some_college,professional,67786.45,0.5387,full_paramedical,110,78,266,50,5.32,105,6.0,True,97.0,3.1,False,True,False,False,False,none,,none,none,anxiety,1,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,33,UW-394,1.75,term_life,2000000,monthly,14301.95,25.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.010719,0.030107,SOA_2015_VBT,SOA_Scale_MP2023,1.849,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008039,0.018,True,0.00035,1.0,True,2026-01-14,voluntary_surrender,4.0,0.07,0.1244,False,normal_rate,3.08,1.14,False,False,False,False,False,0.774,45.7,41.9,super_preferred_longevity,83.4,baseline,1.096,0.574,True,35.1,False,,2000000.0,104371.35,119009.37,114415.6,27173.71,False,0,6.22,0.36
LI-2024-INS004-000746,2013-04-25,7,42,49,1971,male,former_smoker,24.1,64,140,MS,USA,divorced,some_college,white_collar,189489.35,0.6287,full_paramedical,103,65,184,45,4.09,102,,False,,1.84,False,False,True,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-397,2.25,whole_life,100000,annual,968.39,,none,744.43,,,False,none,bank,False,False,False,0.006443,0.023022,SOA_2015_VBT,SOA_Scale_MP2023,2.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008054,0.018,False,,1.0,False,,,,0.02,0.0239,False,normal_rate,3.96,1.78,False,False,False,False,False,0.819,52.6,45.6,super_preferred_longevity,100.0,baseline,1.028,0.729,False,,False,,99255.57,8243.94,7981.9,7747.12,1839.94,False,0,0.56,-14.72
LI-2024-INS004-000747,2000-07-13,16,58,74,1942,female,never_smoker,32.6,65,195,IA,USA,divorced,high_school,heavy_blue_collar,125663.98,0.5753,full_paramedical,128,90,236,53,4.45,90,7.6,False,77.5,,False,False,False,False,False,none,,type_2,none,anxiety,1,False,False,False,False,True,substandard_table_5,1.43,5.0,False,False,False,False,42,UW-316,2.25,whole_life,100000,monthly,1296.26,,none,1449.73,,,False,none,independent_broker,False,False,False,0.027334,0.104905,SOA_2015_VBT,SOA_Scale_MP2023,2.422,cardiovascular,True,2012-08-30,False,False,1317303.45,0.0007,5e-05,1.095,0.034167,0.008,False,,1.0,False,,,,0.015,0.0186,False,normal_rate,1.33,0.7,False,False,False,False,False,0.95,32.2,16.2,standard_longevity,45.4,baseline,1.069,0.59,False,,False,,98550.27,7670.64,8085.45,8399.76,2856.96,False,0,1.91,-18.71
LI-2024-INS004-000748,2017-12-06,10,36,46,1981,male,never_smoker,24.8,65,148,TX,USA,divorced,high_school,white_collar,515169.89,0.7053,full_paramedical,102,58,223,38,5.87,100,5.9,False,,2.52,False,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-168,1.25,universal_life,500000,monthly,2227.3,,15yr_declining,2080.97,,,True,facultative,captive_agent,False,False,False,0.003943,0.006695,SOA_2015_VBT,SOA_Scale_MP2023,1.491,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000986,0.02,False,,1.0,False,,,,0.06,0.0307,False,normal_rate,4.54,0.61,False,False,False,False,False,0.808,57.6,47.6,super_preferred_longevity,94.5,baseline,0.971,0.716,False,,False,,497919.03,18845.91,15999.88,17818.4,4231.87,False,0,5.0,15.39
LI-2024-INS004-000749,2009-05-02,8,66,74,1943,male,never_smoker,29.6,68,194,PA,USA,married,high_school,professional,156247.72,0.8658,full_paramedical,134,83,223,61,3.66,103,5.6,False,67.1,13.17,False,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,38,UW-171,2.5,annuity_deferred,1000000,monthly,14529.38,,none,11682.72,,,True,quota_share,bank,True,False,False,0.034443,0.12869,SOA_2015_VBT,SOA_Scale_MP2023,2.629,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051664,0.008,False,,1.0,False,,,,0.02,0.0201,False,normal_rate,4.57,0.63,False,False,False,False,True,0.781,21.6,13.6,standard_longevity,45.9,baseline,0.851,1.0,False,,False,,988317.28,72830.8,68317.64,79039.83,35044.86,False,0,2.08,-13.52
LI-2024-INS004-000750,2008-12-01,7,19,26,1989,female,never_smoker,28.9,66,179,NC,USA,married,graduate,light_blue_collar,39350.54,0.798,full_paramedical,138,89,213,49,4.35,97,4.4,False,92.5,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-135,1.25,term_life,100000,quarterly,234.12,15.0,none,,,,False,none,captive_agent,False,False,False,0.000983,0.001548,SOA_2015_VBT,SOA_Scale_MP2023,1.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000246,0.02,False,,1.0,False,,,,0.05,0.0531,False,normal_rate,2.98,2.86,False,True,False,False,False,0.784,70.0,54.1,super_preferred_longevity,100.0,baseline,0.901,0.744,True,27.8,False,,100000.0,1822.4,1742.66,1872.96,444.83,False,0,1.2,12.04
LI-2024-INS004-000751,2019-12-11,8,48,56,1971,male,current_smoker,34.8,73,263,ME,USA,divorced,graduate,white_collar,23541.89,0.5796,accelerated_UW,124,78,264,38,6.95,128,4.9,True,79.1,7.38,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,10,UW-388,2.0,universal_life,100000,monthly,1063.46,,10yr_declining,907.96,,,True,excess_of_loss,captive_agent,False,False,False,0.017437,0.058991,SOA_2015_VBT,SOA_Scale_MP2023,2.237,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017437,0.018,False,,1.0,False,,,,0.06,0.0334,False,normal_rate,6.98,2.0,False,False,False,False,False,0.905,43.4,39.7,super_preferred_longevity,80.7,baseline,1.065,0.632,True,69.4,False,,99092.04,7708.29,7374.61,8507.68,2020.57,False,0,2.36,-8.79
LI-2024-INS004-000752,2019-08-27,5,64,69,1955,male,never_smoker,23.6,75,189,TN,USA,married,some_college,professional,70536.52,0.2413,full_paramedical,112,76,213,48,4.44,97,,False,84.3,9.78,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,9,UW-466,0.69,group_life,500000,quarterly,2198.96,,none,,,,False,none,direct_to_consumer,False,False,False,0.023536,0.018658,SOA_2015_VBT,SOA_Scale_MP2023,0.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.15,0.443,False,normal_rate,3.88,2.92,False,False,False,False,False,0.79,23.2,18.2,standard_longevity,43.4,baseline,1.319,0.258,False,,False,,500000.0,15924.55,15891.28,16008.43,4494.67,False,0,7.07,20.35
LI-2024-INS004-000753,2003-11-17,17,60,77,1943,male,never_smoker,31.5,62,172,NV,USA,widowed,bachelors,light_blue_collar,110647.22,0.7805,non_med_guaranteed,124,65,238,47,5.06,75,,False,78.8,8.15,False,False,False,False,False,none,,none,none,none,13,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-168,1.25,indexed_ul,1000000,annual,8198.69,,10yr_declining,9586.36,,,True,none,direct_to_consumer,False,False,False,0.044753,0.071973,SOA_2015_VBT,SOA_Scale_MP2023,1.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011188,0.008,False,,1.0,False,,,,0.04,0.0602,False,normal_rate,3.93,2.78,False,False,False,False,False,0.882,27.2,10.2,standard_longevity,39.5,baseline,0.915,0.658,False,,False,,990413.64,35987.46,28605.89,33450.66,22005.28,False,0,1.36,6.62
LI-2024-INS004-000754,2003-12-23,22,40,62,1963,non_binary,former_smoker,35.4,71,253,VA,USA,single,bachelors,professional,78230.93,0.5725,full_paramedical,130,89,239,26,9.19,94,4.5,False,93.0,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,45,UW-002,2.25,term_life,1000000,semi_annual,12669.98,15.0,none,,,,True,none,employer_group,False,False,False,0.01644,0.060574,SOA_2015_VBT,SOA_Scale_MP2023,2.274,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02055,0.015,False,,1.0,False,,,,0.03,0.0447,False,normal_rate,3.47,2.44,False,False,False,False,False,0.933,49.9,27.9,preferred_longevity,62.9,baseline,1.071,0.442,False,,False,,1000000.0,101847.47,89426.31,101359.84,24072.96,False,0,1.88,-15.52
LI-2024-INS004-000755,2016-11-11,5,65,70,1951,male,former_smoker,15.0,68,98,PA,USA,married,bachelors,professional,39067.84,0.8967,full_paramedical,109,63,231,84,2.75,78,5.5,False,,1.28,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,declined,,,False,False,True,False,20,UW-360,7.0,annuity_deferred,1000000,monthly,43829.98,,none,32539.07,4815.78,0.148,True,excess_of_loss,bank,False,False,False,0.031812,0.373112,SOA_2015_VBT,SOA_Scale_MP2023,6.923,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.190873,0.012,False,,1.0,False,,,,0.04,0.0236,False,normal_rate,5.72,1.58,False,False,False,False,False,0.777,24.2,19.2,standard_longevity,54.8,baseline,0.827,0.944,False,,False,,967460.93,329969.63,337816.01,336614.25,86082.08,False,0,-4.39,-20.0
LI-2024-INS004-000756,2009-04-23,9,19,28,1990,male,former_smoker,33.8,71,242,AR,USA,single,high_school,white_collar,68579.44,0.7162,accelerated_UW,142,90,191,63,3.03,125,5.2,False,114.4,,True,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,True,True,standard,,,False,True,False,True,23,UW-211,1.0,indexed_ul,1000000,monthly,2135.92,,15yr_declining,1942.46,,,True,coinsurance,captive_agent,False,False,False,0.001734,0.001705,SOA_2015_VBT,SOA_Scale_MP2023,1.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0304,False,normal_rate,3.49,1.52,False,False,False,False,False,0.828,70.0,66.4,super_preferred_longevity,100.0,baseline,0.963,0.801,True,90.7,False,,998057.54,15497.02,17047.18,17087.36,4058.25,False,0,0.18,20.65
LI-2024-INS004-000757,2002-07-21,8,80,88,1922,female,never_smoker,20.2,62,110,LA,USA,divorced,high_school,hazardous,60083.84,0.8673,accelerated_UW,140,92,188,45,4.18,89,4.9,False,58.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,3.38,1.0,True,False,False,True,30,UW-467,1.25,term_life,250000,quarterly,2554.76,25.0,none,,,,True,none,bank,False,False,False,0.065378,0.094989,SOA_2015_VBT,SOA_Scale_MP2023,1.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016344,0.012,False,,1.0,False,,,,0.05,0.0503,False,normal_rate,4.59,1.59,False,False,False,False,False,0.907,8.7,1.1,sub_standard_longevity,27.2,baseline,0.85,0.8,True,76.8,False,,250000.0,1154.42,1017.91,1124.09,8716.84,False,0,6.94,17.9
LI-2024-INS004-000758,2020-02-23,4,73,77,1947,female,never_smoker,24.2,63,136,HI,USA,divorced,some_college,professional,252657.64,0.4803,full_paramedical,131,75,229,46,4.98,70,4.8,False,,,True,False,False,True,False,none,,none,none,none,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,57,UW-287,2.5,term_life,500000,annual,7238.11,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.036972,0.175799,SOA_2015_VBT,SOA_Scale_MP2023,2.714,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055458,0.008,True,0.00598,1.0,False,,,,0.07,0.0921,False,normal_rate,5.86,2.89,False,False,False,False,False,0.773,17.6,13.6,standard_longevity,40.1,baseline,1.14,0.483,False,,False,,500000.0,42442.53,35571.16,39375.32,17458.32,False,0,1.6,-19.72
LI-2024-INS004-000759,2024-04-11,3,77,80,1947,female,former_smoker,24.8,69,168,NV,USA,married,graduate,white_collar,35672.79,0.3782,full_paramedical,129,83,218,60,3.63,80,,False,60.6,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,51,UW-356,2.0,annuity_deferred,100000,quarterly,1376.65,,none,934.83,,,False,none,captive_agent,False,False,False,0.062386,0.225309,SOA_2015_VBT,SOA_Scale_MP2023,2.147,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.062386,0.008,False,,1.0,False,,,,0.04,0.0559,False,normal_rate,4.36,2.52,False,False,False,False,False,0.778,13.2,10.2,sub_standard_longevity,33.5,baseline,1.216,0.499,False,,False,,99065.17,5608.32,5546.77,5616.73,3694.93,False,0,0.59,-10.64
LI-2024-INS004-000760,2008-07-25,13,23,36,1985,male,never_smoker,40.2,70,280,VT,USA,divorced,some_college,professional,34101.3,0.7787,full_paramedical,148,100,180,50,3.6,121,5.5,False,,,True,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,True,False,True,standard,,,False,True,False,False,43,UW-397,1.0,indexed_ul,1000000,semi_annual,3427.87,,15yr_declining,3556.6,,,True,quota_share,employer_group,False,False,False,0.00201,0.001955,SOA_2015_VBT,SOA_Scale_MP2023,1.062,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0233,False,normal_rate,2.3,2.52,False,False,False,False,False,0.88,70.0,55.0,super_preferred_longevity,100.0,baseline,0.916,0.776,False,,False,,996443.4,26050.38,27301.36,27422.96,6512.95,False,0,3.14,13.76
LI-2024-INS004-000761,2000-06-17,26,52,78,1948,female,former_smoker,22.5,63,126,NC,USA,single,high_school,heavy_blue_collar,41810.98,0.4814,full_paramedical,142,89,197,45,4.38,89,,False,,,False,False,False,False,True,other,0.1,none,none,none,0,False,False,False,False,True,substandard_table_6,1.16,6.0,False,False,False,False,49,UW-020,2.5,universal_life,2000000,monthly,35361.08,,10yr_declining,63380.63,,,True,quota_share,worksite,False,False,False,0.05286,0.242024,SOA_2015_VBT,SOA_Scale_MP2023,2.703,infectious,True,2013-07-01,False,False,1658140.67,0.0007,5e-05,1.095,0.07929,0.008,False,,1.0,False,,,,0.04,0.0526,False,normal_rate,3.95,0.79,False,False,False,False,False,0.763,38.8,12.8,standard_longevity,38.9,baseline,1.139,0.462,False,,False,,1936619.37,169828.99,182038.19,181048.73,87554.03,False,0,-0.49,-20.0
LI-2024-INS004-000762,2008-10-17,18,70,88,1938,female,never_smoker,21.5,72,158,MA,USA,married,bachelors,light_blue_collar,309953.26,0.4952,non_med_guaranteed,132,78,157,56,2.8,93,,False,65.4,,False,False,False,False,True,lymphoma,0.9,none,none,schizophrenia,3,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,22,UW-012,4.0,term_life,500000,annual,12914.21,20.0,none,,,,False,none,independent_broker,False,False,False,0.095963,0.884859,SOA_2015_VBT,SOA_Scale_MP2023,5.512,cardiovascular,True,2017-09-20,False,False,686411.24,0.0007,5e-05,1.095,0.287889,0.005,False,,1.0,False,,,,0.03,0.0391,False,normal_rate,3.15,1.91,False,False,False,False,False,0.787,19.1,1.1,sub_standard_longevity,21.6,baseline,1.129,0.562,True,42.0,False,,500000.0,5370.99,5366.05,5682.25,44063.29,False,0,-3.78,-20.0
LI-2024-INS004-000763,2008-12-18,16,76,92,1932,male,never_smoker,26.6,65,159,IN,USA,married,bachelors,white_collar,26065.82,0.6901,full_paramedical,145,81,283,63,4.49,84,5.1,False,39.7,4.16,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,41,UW-431,1.25,term_life,1000000,quarterly,9253.92,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.161967,0.254032,SOA_2015_VBT,SOA_Scale_MP2023,1.342,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.040492,0.005,False,,1.0,False,,,,0.03,0.0344,False,normal_rate,2.15,0.94,False,False,False,False,False,0.81,9.0,1.0,sub_standard_longevity,24.4,baseline,0.982,0.772,False,,False,,1000000.0,3653.89,3267.18,3701.57,31648.41,False,0,1.36,12.09
LI-2024-INS004-000764,2017-04-03,3,69,72,1948,male,never_smoker,29.9,68,196,IN,USA,married,bachelors,professional,123633.22,0.7205,full_paramedical,115,71,170,73,2.33,90,5.5,False,73.6,3.0,False,False,True,False,False,none,,none,none,none,10,False,False,False,False,False,preferred,,,False,False,False,False,7,UW-384,0.79,term_life,1000000,monthly,4716.26,15.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.030104,0.024295,SOA_2015_VBT,SOA_Scale_MP2023,0.841,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0787,False,normal_rate,2.39,0.68,False,False,False,False,False,0.916,21.7,20.2,preferred_longevity,63.6,baseline,0.96,0.65,True,58.7,False,,1000000.0,40197.5,35324.29,37730.08,8960.89,False,0,7.94,25.26
LI-2024-INS004-000765,2013-08-28,11,54,65,1959,male,never_smoker,22.6,75,180,KY,USA,married,bachelors,hazardous,91737.98,0.5316,full_paramedical,138,85,289,45,6.42,66,,False,,2.92,False,False,False,True,False,none,,none,none,depression,3,True,False,True,False,True,substandard_table_6,7.27,6.0,True,False,False,False,58,UW-114,2.5,term_life,2000000,semi_annual,24511.24,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.017446,0.076487,SOA_2015_VBT,SOA_Scale_MP2023,2.619,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026168,0.012,False,,1.0,False,,,,0.03,0.0382,False,normal_rate,3.99,1.69,False,False,False,False,False,0.777,34.9,23.9,standard_longevity,56.3,baseline,1.101,0.581,False,,False,,2000000.0,189778.84,173141.73,196089.92,46571.36,False,0,0.55,-18.15
LI-2024-INS004-000766,2016-09-12,2,29,31,1987,male,former_smoker,33.1,76,272,AZ,USA,single,some_college,white_collar,22783.23,0.7521,full_paramedical,97,61,207,63,3.29,95,5.2,False,112.1,,False,False,False,False,False,none,,none,none,depression,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-127,1.25,term_life,500000,quarterly,1602.89,20.0,none,,,,False,none,worksite,False,False,False,0.001992,0.003102,SOA_2015_VBT,SOA_Scale_MP2023,1.397,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000498,0.02,False,,1.0,False,,,,0.07,0.0769,False,normal_rate,0.8,1.35,False,False,False,False,False,0.963,65.7,63.6,super_preferred_longevity,100.0,baseline,0.936,0.728,True,78.5,False,,500000.0,12354.39,11944.23,12823.12,3045.49,False,0,3.67,10.25
LI-2024-INS004-000767,2022-11-23,4,59,63,1963,female,never_smoker,29.0,69,196,TN,USA,married,bachelors,hazardous,32873.76,0.3707,full_paramedical,134,88,280,51,5.49,93,,False,98.4,,False,False,False,False,False,none,,none,none,schizophrenia,9,False,False,False,True,True,substandard_table_5,3.96,5.0,True,False,False,False,18,UW-365,2.25,whole_life,1000000,monthly,10794.26,,none,7849.47,,,True,none,independent_broker,False,False,False,0.012249,0.058514,SOA_2015_VBT,SOA_Scale_MP2023,2.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015312,0.015,True,0.00689,1.0,False,,,,0.04,0.0561,False,normal_rate,4.3,2.79,False,False,False,False,False,0.873,34.1,30.1,preferred_longevity,63.2,baseline,1.222,0.438,False,,False,,992150.53,87437.39,84148.29,86354.08,20509.09,False,0,1.39,-18.0
LI-2024-INS004-000768,2014-10-03,8,63,71,1951,female,never_smoker,36.0,70,251,FL,USA,single,bachelors,heavy_blue_collar,50721.98,0.6775,full_paramedical,146,87,196,34,5.76,116,6.4,False,,,False,False,False,False,False,none,,pre_diabetes,none,schizophrenia,1,False,False,False,False,True,substandard_table_5,1.25,5.0,False,False,False,False,47,UW-228,2.25,term_life,1000000,monthly,14586.71,20.0,none,,,,True,none,bank,False,False,False,0.021363,0.074614,SOA_2015_VBT,SOA_Scale_MP2023,2.261,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026704,0.012,False,,1.0,False,,,,0.05,0.0579,False,normal_rate,1.89,1.18,False,False,False,False,False,0.897,29.3,21.3,standard_longevity,54.6,baseline,0.992,0.614,False,,False,,1000000.0,125482.35,116009.77,116693.68,27714.75,False,0,1.89,-9.05
LI-2024-INS004-000769,2012-07-12,11,63,74,1949,male,never_smoker,24.5,76,201,AZ,USA,divorced,some_college,professional,29637.82,0.6139,full_paramedical,141,82,226,49,4.61,91,4.9,False,70.9,1.13,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-109,1.25,term_life,1000000,monthly,7521.37,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.036143,0.060549,SOA_2015_VBT,SOA_Scale_MP2023,1.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009036,0.008,False,,1.0,False,,,,0.03,0.0363,False,normal_rate,2.52,2.12,False,False,False,False,False,0.907,24.4,14.2,standard_longevity,43.0,baseline,1.04,0.571,True,52.4,False,,1000000.0,39090.17,43964.05,42721.38,17780.52,False,0,5.65,9.96
LI-2024-INS004-000770,2016-01-26,2,44,46,1972,female,unknown,23.3,67,148,KY,USA,widowed,some_college,professional,185993.55,0.9687,non_med_guaranteed,123,73,112,39,2.87,98,6.0,False,97.8,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-257,1.25,universal_life,250000,annual,1376.4,,15yr_declining,946.52,,,False,none,employer_group,False,False,False,0.003628,0.004673,SOA_2015_VBT,SOA_Scale_MP2023,1.342,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000907,0.018,False,,1.0,False,,,,0.08,0.04,False,normal_rate,3.89,1.83,False,False,False,False,False,0.94,53.1,51.1,super_preferred_longevity,100.0,baseline,0.773,0.649,False,,False,,249053.48,9933.25,11494.78,11011.2,2615.16,False,0,1.66,14.45
LI-2024-INS004-000771,2023-01-22,2,49,51,1974,female,never_smoker,39.6,67,252,NJ,USA,divorced,high_school,white_collar,45564.36,0.3943,simplified_issue,136,71,236,31,7.61,131,5.4,False,66.3,,False,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-115,1.5,whole_life,1000000,annual,6578.51,,none,4226.85,,,True,quota_share,worksite,False,False,False,0.004641,0.011682,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00232,0.018,False,,1.0,False,,,,0.04,0.0554,False,normal_rate,4.23,2.28,False,False,False,False,False,0.866,46.1,44.1,super_preferred_longevity,84.6,baseline,1.204,0.304,False,,False,,995773.15,50091.16,49421.27,52628.08,12499.17,False,0,1.45,-7.16
LI-2024-INS004-000772,2023-12-28,1,59,60,1964,female,former_smoker,23.2,66,143,IN,USA,married,some_college,professional,79158.69,0.8197,full_paramedical,120,76,260,72,3.61,79,5.3,False,62.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-384,2.25,whole_life,500000,annual,5619.48,,none,3596.16,,,False,none,independent_broker,False,False,False,0.012506,0.04219,SOA_2015_VBT,SOA_Scale_MP2023,2.399,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015632,0.015,False,,1.0,False,,,,0.06,0.0627,False,normal_rate,4.49,1.46,False,False,False,False,False,0.87,36.1,35.1,preferred_longevity,77.4,baseline,0.885,0.894,False,,False,,496403.84,42106.37,45604.03,44955.84,10677.01,False,0,1.46,-6.75
LI-2024-INS004-000773,2001-11-05,8,54,62,1947,male,current_smoker,22.2,63,125,FL,USA,married,bachelors,professional,85949.75,0.8576,full_paramedical,115,67,200,45,4.44,90,5.4,True,93.0,3.89,True,True,False,True,True,colorectal,0.6,none,none,depression,1,False,False,True,False,True,declined,,,False,True,True,False,53,UW-386,7.0,term_life,500000,quarterly,17522.77,30.0,none,,,,False,none,independent_broker,False,False,False,0.025066,0.281956,SOA_2015_VBT,SOA_Scale_MP2023,6.126,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.150393,0.008,False,,1.0,False,,,,0.05,0.0507,False,normal_rate,3.97,1.73,True,False,False,False,False,0.887,34.1,25.5,preferred_longevity,63.6,baseline,0.857,1.0,False,,True,-0.43,500000.0,144861.4,140680.61,140182.16,33293.26,False,0,-5.0,-20.0
LI-2024-INS004-000774,2022-03-20,2,77,79,1945,female,never_smoker,18.0,60,92,NH,USA,married,some_college,white_collar,76899.19,0.6679,full_paramedical,141,88,180,52,3.46,90,,False,78.9,,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-078,1.25,group_life,250000,monthly,2226.73,,none,,,,True,excess_of_loss,bank,False,False,False,0.043299,0.068199,SOA_2015_VBT,SOA_Scale_MP2023,1.258,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010825,0.008,True,0.00295,1.0,False,,,,0.15,0.1749,False,normal_rate,3.25,1.29,False,False,False,False,False,0.778,14.1,12.1,standard_longevity,40.7,baseline,0.999,0.891,False,,False,,250000.0,11310.15,9890.22,10777.37,5638.08,False,0,7.96,16.33
LI-2024-INS004-000775,2000-06-17,4,18,22,1982,male,former_smoker,24.8,73,187,NY,USA,divorced,high_school,white_collar,55939.54,0.1618,full_paramedical,105,57,158,49,3.22,95,5.6,False,,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-381,2.25,whole_life,5000000,quarterly,18999.88,,none,12748.76,,,True,facultative,employer_group,False,False,False,0.001388,0.006253,SOA_2015_VBT,SOA_Scale_MP2023,2.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001735,0.02,False,,1.0,True,2025-12-19,voluntary_surrender,4.0,0.04,0.1055,False,normal_rate,2.79,1.02,False,False,False,False,False,0.752,70.0,55.0,super_preferred_longevity,97.4,baseline,1.379,0.124,False,,False,,4987251.24,141802.62,147447.78,151999.04,36099.77,False,0,-0.5,-10.47
LI-2024-INS004-000776,2020-01-09,2,48,50,1972,female,never_smoker,31.4,65,188,TN,USA,married,high_school,heavy_blue_collar,20000.0,0.4953,limited_exam,119,75,227,37,6.14,93,,False,98.0,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,0.98,5.0,False,False,False,False,15,UW-224,2.25,term_life,1000000,quarterly,9523.31,20.0,none,,,,True,facultative,bank,False,False,False,0.004288,0.020091,SOA_2015_VBT,SOA_Scale_MP2023,2.43,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.018,True,0.00297,1.0,False,,,,0.07,0.0913,False,normal_rate,2.41,1.63,False,False,False,False,False,0.931,47.2,45.2,super_preferred_longevity,87.7,baseline,1.129,0.618,False,,False,,1000000.0,72566.77,79357.3,76186.48,18094.29,False,0,2.69,-14.82
LI-2024-INS004-000777,2012-02-14,14,33,47,1979,female,never_smoker,30.9,65,185,NM,USA,married,high_school,professional,30036.08,0.3834,full_paramedical,134,90,188,49,3.84,90,5.1,False,,,False,False,True,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-304,2.0,indexed_ul,500000,annual,4482.01,,10yr_declining,4960.91,,,False,none,captive_agent,True,False,False,0.003401,0.011989,SOA_2015_VBT,SOA_Scale_MP2023,2.083,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003401,0.018,False,,1.0,False,,,,0.04,0.0557,False,normal_rate,2.78,1.08,False,False,False,False,False,0.826,65.8,54.2,super_preferred_longevity,100.0,baseline,1.212,0.252,True,48.3,False,,495039.09,32752.07,32084.86,35856.08,8515.82,False,0,2.56,-5.24
LI-2024-INS004-000778,2005-05-14,22,26,48,1979,female,never_smoker,26.4,60,135,IA,USA,single,graduate,professional,20000.0,0.2099,limited_exam,113,61,199,41,4.85,113,,False,93.0,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-251,0.82,universal_life,500000,monthly,1639.28,,15yr_declining,2434.73,,,False,none,independent_broker,False,False,False,0.00367,0.003957,SOA_2015_VBT,SOA_Scale_MP2023,0.803,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0613,False,normal_rate,3.07,1.67,False,False,False,False,False,0.757,69.1,47.1,super_preferred_longevity,86.3,baseline,1.343,0.199,False,,False,,497565.27,12949.9,12156.43,13114.24,3114.63,False,0,1.96,19.34
LI-2024-INS004-000779,2015-11-19,9,49,58,1966,female,former_smoker,29.5,58,141,WI,USA,single,bachelors,light_blue_collar,365877.94,0.4203,full_paramedical,125,73,270,52,5.19,90,,False,73.9,,False,False,False,True,False,none,,none,none,schizophrenia,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-354,2.5,annuity_deferred,500000,quarterly,5477.03,,none,4877.79,,,False,none,bank,True,False,False,0.010719,0.049771,SOA_2015_VBT,SOA_Scale_MP2023,2.653,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016079,0.015,False,,1.0,False,,,,0.02,0.0273,False,normal_rate,2.88,1.3,False,False,False,False,True,0.909,44.8,35.8,preferred_longevity,72.5,baseline,1.185,0.299,False,,False,,495122.21,43310.61,39679.64,43816.24,10406.36,False,0,-4.59,-17.35
LI-2024-INS004-000780,2017-02-23,10,74,84,1943,female,former_smoker,22.4,65,134,NC,USA,married,some_college,light_blue_collar,183932.45,0.5775,full_paramedical,139,85,167,41,4.07,69,5.4,False,76.0,,False,False,True,False,False,none,,none,none,none,19,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-380,1.25,universal_life,100000,annual,776.68,,15yr_declining,743.76,,,False,none,captive_agent,True,False,False,0.085279,0.135775,SOA_2015_VBT,SOA_Scale_MP2023,1.258,cancer,True,2021-07-02,False,False,1468139.21,0.0007,5e-05,1.095,0.02132,0.008,False,,1.0,False,,,,0.06,0.0334,False,normal_rate,2.62,1.8,False,False,False,False,True,0.99,19.4,9.4,standard_longevity,45.3,baseline,1.067,0.805,False,,False,,99256.24,2719.16,2650.94,2920.32,2134.32,False,0,3.94,19.65
LI-2024-INS004-000781,2018-03-10,4,23,27,1995,male,never_smoker,33.8,60,172,NV,USA,married,bachelors,heavy_blue_collar,20000.0,0.5823,full_paramedical,120,71,129,49,2.63,111,5.8,False,87.0,,False,False,True,False,False,none,,none,none,anxiety,2,False,False,False,False,False,standard_plus,0.84,,False,False,False,False,17,UW-402,0.94,term_life,2000000,monthly,4008.75,25.0,none,,,,True,quota_share,bank,False,False,False,0.001279,0.0013,SOA_2015_VBT,SOA_Scale_MP2023,0.956,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0864,False,normal_rate,2.46,1.38,True,False,False,False,False,0.934,70.0,55.0,super_preferred_longevity,100.0,baseline,1.063,0.415,False,,False,,2000000.0,33665.55,31434.93,32070.0,7616.62,False,0,3.45,17.57
LI-2024-INS004-000782,2017-02-01,9,58,67,1959,female,former_smoker,35.6,66,220,IN,USA,married,some_college,white_collar,25212.33,0.6384,accelerated_UW,116,67,265,47,5.64,107,4.8,False,80.9,,False,False,False,True,True,breast,5.7,none,none,none,0,False,False,True,False,True,declined,,,False,False,True,True,48,UW-393,7.0,universal_life,250000,semi_annual,9407.98,,10yr_declining,8344.05,,,False,none,independent_broker,False,False,False,0.021582,0.262344,SOA_2015_VBT,SOA_Scale_MP2023,6.028,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.129491,0.012,False,,1.0,False,,,,0.06,0.0321,False,normal_rate,3.56,2.57,False,False,False,False,False,0.756,35.4,26.4,preferred_longevity,61.7,baseline,1.021,0.747,False,,False,,241655.95,69811.41,73400.21,75263.84,17875.16,False,0,-5.0,-20.0
LI-2024-INS004-000783,2018-10-22,7,20,27,1998,male,former_smoker,31.9,67,203,TN,USA,married,bachelors,white_collar,49571.43,0.6878,simplified_issue,143,78,165,45,3.67,100,5.1,False,89.9,,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-050,1.25,whole_life,500000,semi_annual,1304.48,,none,1013.74,,,False,none,captive_agent,False,False,False,0.001662,0.002669,SOA_2015_VBT,SOA_Scale_MP2023,1.377,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000416,0.022,False,,1.0,False,,,,0.02,0.023,False,normal_rate,2.02,2.57,False,False,False,False,False,0.839,70.0,55.0,super_preferred_longevity,100.0,baseline,0.984,0.653,False,,True,0.577,498986.26,9477.05,8943.24,10435.84,2478.51,False,0,4.48,21.01
LI-2024-INS004-000784,2018-12-18,5,19,24,1999,female,former_smoker,34.9,69,235,WI,USA,married,bachelors,white_collar,37514.1,0.7874,full_paramedical,110,69,219,49,4.47,95,6.0,False,82.5,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-455,2.25,term_life,500000,annual,2307.5,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.001186,0.004046,SOA_2015_VBT,SOA_Scale_MP2023,2.375,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001483,0.022,False,,1.0,False,,,,0.07,0.0749,False,normal_rate,5.25,0.64,False,False,False,False,False,0.778,70.0,55.0,super_preferred_longevity,100.0,baseline,0.909,0.598,False,,False,,500000.0,17180.59,17312.5,18460.0,4384.25,False,0,-0.59,-5.56
LI-2024-INS004-000785,2011-04-14,5,24,29,1987,male,never_smoker,18.4,74,143,WY,USA,divorced,bachelors,white_collar,20000.0,0.7798,limited_exam,130,85,175,50,3.5,99,5.2,False,93.2,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-046,1.25,universal_life,1000000,quarterly,2691.82,,10yr_declining,1888.16,,,True,coinsurance,captive_agent,False,False,False,0.001394,0.002017,SOA_2015_VBT,SOA_Scale_MP2023,1.308,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000349,0.02,False,,1.0,False,,,,0.08,0.0387,False,normal_rate,5.2,1.54,True,False,False,False,False,0.836,70.0,55.0,super_preferred_longevity,100.0,baseline,0.915,0.799,False,,False,,998111.84,21233.68,19527.23,21534.56,5114.46,False,0,5.24,12.7
LI-2024-INS004-000786,2021-09-24,2,58,60,1963,female,former_smoker,21.8,69,147,WA,USA,widowed,high_school,white_collar,49997.16,0.7143,simplified_issue,109,68,164,56,2.93,108,5.1,False,65.9,,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,standard,,,False,False,False,False,8,UW-419,1.07,whole_life,500000,quarterly,2854.36,,none,1818.37,,,True,quota_share,captive_agent,False,False,False,0.012318,0.016055,SOA_2015_VBT,SOA_Scale_MP2023,1.031,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000862,0.015,True,0.00295,1.0,False,,,,0.04,0.0451,False,normal_rate,4.21,0.98,False,False,False,False,False,0.93,36.5,34.5,preferred_longevity,75.0,baseline,0.964,0.637,False,,False,,498181.63,21206.2,23723.88,22834.88,5423.28,False,0,0.89,6.91
LI-2024-INS004-000787,2002-04-18,4,34,38,1968,female,never_smoker,30.5,59,151,OR,USA,married,high_school,heavy_blue_collar,111064.77,0.7537,limited_exam,136,90,221,58,3.81,87,,False,61.9,,False,True,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,0.51,1.0,False,False,False,False,5,UW-078,1.25,term_life,250000,monthly,1044.23,10.0,none,,,,False,none,captive_agent,False,False,False,0.001816,0.002642,SOA_2015_VBT,SOA_Scale_MP2023,1.289,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000454,0.015,False,,1.0,False,,,,0.07,0.0768,False,normal_rate,3.06,1.63,False,False,False,False,False,0.859,61.4,61.2,super_preferred_longevity,100.0,baseline,0.935,0.809,True,67.2,False,,250000.0,8723.08,7834.17,8353.84,1984.04,False,0,0.5,12.97
LI-2024-INS004-000788,2019-06-17,2,68,70,1951,female,former_smoker,29.7,70,206,NH,USA,married,some_college,white_collar,93073.91,0.6961,accelerated_UW,149,89,216,31,6.97,94,,False,83.3,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,19,UW-134,1.5,universal_life,1000000,monthly,9769.17,,10yr_declining,6545.41,,,True,quota_share,direct_to_consumer,False,False,False,0.02545,0.05257,SOA_2015_VBT,SOA_Scale_MP2023,1.601,infectious,True,2019-09-03,True,True,432868.7,0.0007,5e-05,1.095,0.012725,0.012,False,,1.0,False,,,,0.08,0.0576,False,normal_rate,3.91,0.54,False,False,False,False,False,0.914,24.4,24.9,preferred_longevity,60.3,baseline,0.978,0.741,True,66.5,False,,993454.59,73801.91,69551.89,78153.36,18561.42,False,0,6.21,7.34
LI-2024-INS004-000789,2021-12-04,1,50,51,1971,male,never_smoker,35.6,60,182,NV,USA,single,high_school,professional,124934.3,0.8033,full_paramedical,146,95,238,64,3.72,101,9.0,False,95.2,2.74,False,False,False,False,False,none,,type_2,none,bipolar,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,28,UW-415,2.25,term_life,500000,semi_annual,4160.59,25.0,none,,,,False,none,employer_group,False,False,False,0.005801,0.022688,SOA_2015_VBT,SOA_Scale_MP2023,2.34,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007251,0.018,True,0.00325,1.0,True,2025-10-18,non_payment,1.0,0.1,0.1269,False,normal_rate,3.04,2.78,False,False,False,False,False,0.981,42.3,41.3,super_preferred_longevity,86.5,baseline,0.898,0.859,False,,False,,500000.0,33984.53,29254.66,33284.72,7905.12,False,0,1.76,-7.38
LI-2024-INS004-000790,2010-02-21,5,68,73,1942,female,former_smoker,23.4,68,153,WY,USA,single,less_than_hs,professional,51786.0,0.8472,non_med_guaranteed,131,90,228,59,3.86,72,5.5,False,,,False,False,False,False,True,breast,8.9,none,none,substance_use_disorder,11,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,44,UW-095,2.25,indexed_ul,500000,monthly,6692.85,,10yr_declining,5259.66,,,True,quota_share,bank,False,False,False,0.03256,0.108348,SOA_2015_VBT,SOA_Scale_MP2023,2.403,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0407,0.008,False,,1.0,False,,,,0.08,0.0368,False,normal_rate,1.6,1.07,False,False,False,False,False,0.895,23.3,18.3,standard_longevity,52.7,baseline,0.865,0.99,False,,False,,494740.34,53141.55,49035.05,48991.66,13626.64,False,0,0.21,-9.84
LI-2024-INS004-000791,2006-10-01,5,56,61,1950,male,never_smoker,25.4,72,187,AZ,USA,married,bachelors,professional,20000.0,0.6495,full_paramedical,113,66,185,49,3.78,93,5.4,False,75.3,1.85,False,False,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,22,UW-402,1.0,indexed_ul,250000,monthly,1308.41,,15yr_declining,1011.87,,,False,none,bank,False,False,False,0.011092,0.011426,SOA_2015_VBT,SOA_Scale_MP2023,1.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0425,False,normal_rate,2.86,2.61,False,False,False,False,False,0.947,35.1,30.1,preferred_longevity,77.4,baseline,1.013,0.653,False,,False,,248988.13,9599.16,10021.38,10467.28,2485.98,False,0,3.97,14.93
LI-2024-INS004-000792,2011-10-09,2,47,49,1964,male,former_smoker,26.9,65,161,LA,USA,married,high_school,light_blue_collar,41819.9,0.4214,full_paramedical,126,70,157,52,3.02,94,4.9,False,88.2,2.5,False,True,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-380,2.0,whole_life,500000,quarterly,3564.87,,none,2245.39,,,True,facultative,direct_to_consumer,True,False,False,0.006346,0.021449,SOA_2015_VBT,SOA_Scale_MP2023,2.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006346,0.015,False,,1.0,True,2025-11-06,voluntary_surrender,2.0,0.04,0.0763,False,normal_rate,4.19,2.18,False,False,True,False,False,0.8,42.5,47.6,super_preferred_longevity,90.2,baseline,1.184,0.309,True,82.8,False,,497754.61,26184.03,27766.55,28518.96,6773.25,False,0,5.03,-9.52
LI-2024-INS004-000793,2006-06-06,14,18,32,1988,male,never_smoker,26.1,72,192,OR,USA,single,graduate,professional,20000.0,0.57,full_paramedical,115,73,188,59,3.19,110,4.8,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,27,UW-057,0.67,universal_life,1000000,quarterly,1729.94,,15yr_declining,1843.75,,,True,none,direct_to_consumer,False,False,False,0.001611,0.000962,SOA_2015_VBT,SOA_Scale_MP2023,0.557,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0313,False,normal_rate,3.35,2.09,False,False,False,False,False,0.81,70.0,55.5,super_preferred_longevity,100.0,baseline,1.073,0.69,True,36.3,False,,998156.25,12696.45,13977.29,13839.52,3286.89,False,0,6.53,32.67
LI-2024-INS004-000794,2005-05-04,21,33,54,1972,female,never_smoker,30.7,60,157,ND,USA,married,some_college,light_blue_collar,75498.2,0.4529,full_paramedical,144,85,250,56,4.46,109,5.4,False,,,False,False,True,False,True,breast,20.6,none,none,none,3,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,23,UW-066,1.25,universal_life,2000000,monthly,11741.91,,15yr_declining,16410.56,,,True,quota_share,captive_agent,False,False,False,0.005914,0.010913,SOA_2015_VBT,SOA_Scale_MP2023,1.375,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.018,False,,1.0,False,,,,0.04,0.0535,False,normal_rate,5.73,2.26,False,False,False,False,False,0.812,65.1,44.1,super_preferred_longevity,95.4,baseline,1.16,0.388,False,,False,,1983589.44,99865.82,90249.98,93935.28,22309.63,False,0,3.95,7.65
LI-2024-INS004-000795,2015-02-11,2,73,75,1942,male,never_smoker,28.7,68,188,ME,USA,married,some_college,professional,31841.26,0.2438,full_paramedical,133,78,212,64,3.31,83,4.9,False,63.3,14.45,False,False,False,False,True,melanoma,7.3,none,none,anxiety,5,False,True,False,False,True,substandard_table_2,,2.0,False,False,False,False,42,UW-159,1.5,group_life,500000,semi_annual,4122.23,,none,,,,False,none,captive_agent,True,False,False,0.037286,0.097319,SOA_2015_VBT,SOA_Scale_MP2023,1.602,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018643,0.008,False,,1.0,False,,,,0.15,0.316,False,normal_rate,5.89,1.51,False,False,False,False,False,0.918,11.9,9.9,sub_standard_longevity,31.0,baseline,1.317,0.186,False,,False,,500000.0,17554.33,14245.51,16324.03,11163.0,False,0,3.04,11.24
LI-2024-INS004-000796,2014-04-18,2,32,34,1982,female,never_smoker,32.7,71,234,NJ,USA,single,graduate,light_blue_collar,55027.04,0.5027,full_paramedical,145,84,190,47,4.04,93,4.8,False,107.4,,False,False,False,False,True,breast,4.8,none,none,none,0,False,True,False,False,True,substandard_table_4,,4.0,False,False,False,False,44,UW-420,2.0,annuity_deferred,2000000,quarterly,10037.19,,none,6775.34,,,True,excess_of_loss,worksite,False,False,False,0.001434,0.005015,SOA_2015_VBT,SOA_Scale_MP2023,2.224,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001434,0.02,False,,1.0,False,,,,0.04,0.0519,False,normal_rate,3.86,1.68,False,False,False,False,False,0.782,64.9,55.0,super_preferred_longevity,100.0,baseline,1.123,0.444,False,,False,,1993224.66,86875.07,76735.03,80297.52,19070.66,False,0,-0.73,-1.18
LI-2024-INS004-000797,2001-11-14,10,75,85,1926,male,never_smoker,28.9,62,158,NC,USA,married,high_school,white_collar,72903.66,0.8402,full_paramedical,134,87,239,36,6.64,82,5.7,False,71.2,5.82,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,9,UW-390,2.0,group_life,100000,monthly,1400.73,,none,,,,False,none,independent_broker,False,False,False,0.066551,0.186036,SOA_2015_VBT,SOA_Scale_MP2023,2.064,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.066551,0.012,False,,1.0,False,,,,0.12,0.1233,False,normal_rate,3.2,0.74,False,False,False,False,False,0.823,10.2,1.0,sub_standard_longevity,26.6,baseline,0.87,0.816,False,,False,,100000.0,608.63,548.17,560.29,4790.5,False,0,-1.86,-0.91
LI-2024-INS004-000798,2013-12-26,11,33,44,1980,male,current_smoker,27.3,75,218,UT,USA,single,some_college,white_collar,59354.25,0.6789,full_paramedical,112,70,188,45,4.18,97,5.0,True,103.2,1.46,False,False,True,False,False,none,,none,none,schizophrenia,0,False,False,True,False,True,substandard_table_7,,7.0,False,False,False,False,54,UW-157,2.75,indexed_ul,250000,annual,2372.18,,15yr_declining,2139.88,,,False,none,independent_broker,False,False,False,0.006811,0.032111,SOA_2015_VBT,SOA_Scale_MP2023,2.992,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01192,0.02,False,,1.0,False,,,,0.04,0.0208,False,normal_rate,2.97,1.75,False,False,False,True,False,0.871,63.3,52.3,super_preferred_longevity,100.0,baseline,0.991,0.598,False,,False,,247860.12,19606.58,19325.61,18977.44,4507.14,False,0,2.09,-20.0
LI-2024-INS004-000799,2010-01-09,1,80,81,1930,female,never_smoker,18.9,58,90,WV,USA,single,some_college,professional,32529.47,0.7433,limited_exam,135,79,202,46,4.39,102,,False,76.4,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,37,UW-229,2.0,universal_life,500000,semi_annual,6814.35,,15yr_declining,4466.47,,,False,none,captive_agent,False,False,False,0.050739,0.15241,SOA_2015_VBT,SOA_Scale_MP2023,2.126,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050739,0.005,False,,1.0,False,,,,0.12,0.0597,False,normal_rate,2.43,1.37,False,False,False,False,False,0.845,8.9,7.9,standard_longevity,35.5,baseline,0.943,0.787,False,,False,,495533.53,22120.17,22309.82,21533.35,19543.56,False,0,1.26,-6.49
LI-2024-INS004-000800,2023-08-17,1,59,60,1964,female,never_smoker,25.8,69,174,AR,USA,married,bachelors,light_blue_collar,50016.07,0.7627,full_paramedical,104,59,248,50,4.96,84,,False,,,True,False,False,False,False,none,,none,none,bipolar,12,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-178,2.0,term_life,1000000,semi_annual,10135.02,25.0,none,,,,True,facultative,independent_broker,False,False,False,0.00962,0.028563,SOA_2015_VBT,SOA_Scale_MP2023,2.122,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00962,0.015,False,,1.0,False,,,,0.1,0.109,False,normal_rate,4.04,1.15,False,False,False,False,False,0.913,35.9,34.9,preferred_longevity,76.3,baseline,0.928,0.699,False,,False,,1000000.0,76030.96,72186.48,81080.16,19256.54,False,0,2.49,-9.44
LI-2024-INS004-000801,2007-12-16,9,73,82,1934,male,former_smoker,28.3,69,191,AL,USA,married,high_school,light_blue_collar,54142.02,0.9055,limited_exam,118,72,254,46,5.52,71,5.1,False,,9.73,False,False,False,False,True,melanoma,1.4,none,none,substance_use_disorder,4,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,45,UW-443,2.25,universal_life,500000,monthly,8167.64,,15yr_declining,7109.22,,,False,none,captive_agent,False,False,False,0.091706,0.298915,SOA_2015_VBT,SOA_Scale_MP2023,2.448,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.114632,0.005,False,,1.0,False,,,,0.06,0.0263,False,normal_rate,2.65,1.37,False,False,False,False,False,0.782,13.1,4.1,sub_standard_longevity,32.2,baseline,0.821,0.981,False,,False,,492890.78,13879.87,13808.78,13394.93,25907.75,False,0,-1.16,-13.44
LI-2024-INS004-000802,2004-02-08,4,38,42,1966,male,former_smoker,21.0,62,114,IN,USA,single,less_than_hs,professional,79350.57,0.775,non_med_guaranteed,107,54,208,54,3.85,75,,False,96.8,2.42,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-065,1.25,term_life,2000000,monthly,8965.44,30.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.003844,0.005499,SOA_2015_VBT,SOA_Scale_MP2023,1.285,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000961,0.015,False,,1.0,False,,,,0.07,0.1058,False,normal_rate,0.85,2.41,False,False,False,False,False,0.994,53.2,49.2,super_preferred_longevity,97.9,baseline,0.919,0.912,False,,False,,2000000.0,71437.17,75079.91,71723.52,17034.34,False,0,3.06,13.39
LI-2024-INS004-000803,2017-08-17,8,31,39,1986,female,never_smoker,36.7,59,181,WV,USA,married,high_school,white_collar,84709.74,0.6064,limited_exam,126,72,227,31,7.32,106,4.6,False,106.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,19,UW-228,1.5,universal_life,5000000,monthly,24132.45,,10yr_declining,20909.29,,,True,none,captive_agent,True,False,False,0.001936,0.004128,SOA_2015_VBT,SOA_Scale_MP2023,1.562,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000968,0.02,False,,1.0,False,,,,0.06,0.0328,False,normal_rate,2.37,0.58,False,False,False,False,False,0.913,66.9,57.0,super_preferred_longevity,100.0,baseline,1.045,0.59,True,44.9,False,,4979090.71,182736.23,177849.47,193059.6,45851.65,False,0,4.4,7.96
LI-2024-INS004-000804,2016-09-05,4,72,76,1944,female,never_smoker,25.4,59,126,WY,USA,married,bachelors,light_blue_collar,174221.66,0.4696,full_paramedical,147,91,234,65,3.6,85,5.1,False,72.2,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-036,1.5,annuity_immediate,500000,semi_annual,4507.27,,none,,,,False,none,captive_agent,False,False,False,0.033077,0.076866,SOA_2015_VBT,SOA_Scale_MP2023,1.589,cancer,True,2016-10-09,True,True,165925.28,0.0007,5e-05,1.095,0.016539,0.008,False,,1.0,False,,,,0.005,0.0066,False,normal_rate,2.61,1.03,False,False,False,False,False,1.0,18.1,14.1,standard_longevity,40.7,baseline,1.148,0.521,False,,False,,500000.0,26532.58,25151.34,25421.0,10691.25,False,0,2.28,1.24
LI-2024-INS004-000805,2018-06-11,4,65,69,1953,male,never_smoker,18.5,66,114,IL,USA,married,high_school,light_blue_collar,177165.05,0.8091,full_paramedical,130,80,185,59,3.14,76,5.6,False,73.0,18.07,True,True,False,True,False,none,,none,none,substance_use_disorder,13,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,18,UW-245,2.5,term_life,100000,monthly,1353.9,15.0,none,,,,False,none,bank,False,False,False,0.022974,0.08767,SOA_2015_VBT,SOA_Scale_MP2023,2.593,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034461,0.012,False,,1.0,False,,,,0.07,0.0737,False,normal_rate,4.18,2.47,False,False,False,False,False,0.834,24.1,20.1,standard_longevity,54.8,baseline,0.893,0.761,False,,False,,100000.0,10994.82,10519.05,10831.2,2572.41,False,0,0.78,-20.0
LI-2024-INS004-000806,2007-07-26,15,76,91,1931,female,never_smoker,37.1,58,177,HI,USA,divorced,bachelors,light_blue_collar,119220.27,0.8048,limited_exam,139,84,282,26,10.85,127,7.5,False,50.7,,False,False,False,False,False,none,,type_2,none,anxiety,14,False,False,False,False,True,substandard_table_3,,3.0,False,False,False,False,38,UW-143,1.75,term_life,500000,monthly,7641.89,25.0,none,,,,False,none,employer_group,False,False,False,0.118826,0.298102,SOA_2015_VBT,SOA_Scale_MP2023,1.962,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.089119,0.005,False,,1.0,False,,,,0.03,0.038,False,normal_rate,3.2,2.92,False,False,False,False,False,0.981,13.3,1.0,sub_standard_longevity,26.1,baseline,0.896,0.886,False,,False,,500000.0,3346.38,3161.43,3056.76,26135.26,False,0,1.16,-2.14
LI-2024-INS004-000807,2021-06-14,3,48,51,1973,male,former_smoker,22.7,61,120,MT,USA,married,bachelors,professional,20425.61,0.5391,full_paramedical,109,64,182,50,3.64,121,4.8,False,84.5,2.77,False,True,False,False,False,none,,none,none,none,0,False,True,True,False,True,preferred,,,False,False,False,False,46,UW-132,0.76,term_life,100000,annual,306.4,10.0,none,,,,False,none,independent_broker,False,False,False,0.007541,0.013161,SOA_2015_VBT,SOA_Scale_MP2023,0.845,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00618,1.0,False,,,,0.07,0.0888,False,normal_rate,4.91,1.24,False,False,False,False,False,0.888,43.5,40.5,super_preferred_longevity,81.3,baseline,1.096,0.491,False,,False,,100000.0,2215.36,2570.58,2451.2,582.16,False,0,4.31,20.53
LI-2024-INS004-000808,2019-03-28,7,36,43,1983,male,never_smoker,20.2,73,152,IL,USA,married,bachelors,professional,35302.0,0.7485,limited_exam,120,79,145,60,2.42,105,6.0,False,92.5,2.06,True,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,5,UW-398,0.59,whole_life,100000,semi_annual,209.02,,none,158.94,,,False,none,independent_broker,False,False,False,0.003171,0.002051,SOA_2015_VBT,SOA_Scale_MP2023,0.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.022,False,normal_rate,1.89,2.06,False,False,False,False,False,0.851,61.0,54.0,super_preferred_longevity,100.0,baseline,0.939,0.732,False,,False,,99841.06,1587.72,1616.62,1672.16,397.14,False,0,2.86,34.35
LI-2024-INS004-000809,2001-03-12,13,37,50,1964,male,never_smoker,33.1,69,224,PA,USA,married,some_college,professional,54272.69,0.8294,full_paramedical,136,79,258,38,6.79,125,4.7,False,88.3,5.03,True,True,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-349,1.5,term_life,500000,annual,3435.32,25.0,none,,,,False,none,independent_broker,False,False,False,0.005279,0.010681,SOA_2015_VBT,SOA_Scale_MP2023,1.735,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00264,0.015,False,,1.0,False,,,,0.03,0.0311,False,normal_rate,3.29,2.59,False,False,False,False,False,0.827,54.1,41.1,super_preferred_longevity,86.6,baseline,0.878,0.749,False,,False,,500000.0,29621.09,26517.55,27482.56,6527.11,False,0,6.99,0.68
LI-2024-INS004-000810,2010-09-09,13,75,88,1935,male,unknown,25.1,64,146,ME,USA,married,bachelors,light_blue_collar,148453.86,0.264,simplified_issue,137,81,241,52,4.63,105,5.1,False,58.0,6.49,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-128,1.25,term_life,250000,quarterly,2045.75,15.0,none,,,,True,none,independent_broker,False,False,False,0.135888,0.278661,SOA_2015_VBT,SOA_Scale_MP2023,1.383,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033972,0.005,False,,1.0,False,,,,0.03,0.0447,False,normal_rate,3.14,2.24,False,False,False,False,False,0.791,8.7,1.0,sub_standard_longevity,18.0,baseline,1.302,0.275,False,,False,,250000.0,834.89,841.89,818.3,6996.47,False,0,0.01,8.91
LI-2024-INS004-000811,2008-03-11,7,54,61,1954,male,never_smoker,34.2,75,273,AL,USA,married,some_college,heavy_blue_collar,27509.19,0.392,full_paramedical,147,95,223,50,4.46,82,5.6,False,74.6,10.2,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,0.95,2.0,False,False,False,False,29,UW-057,1.5,term_life,500000,monthly,4224.5,20.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.011641,0.030262,SOA_2015_VBT,SOA_Scale_MP2023,1.741,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00582,0.012,False,,1.0,False,,,,0.05,0.097,False,normal_rate,0.0,1.14,False,False,False,False,False,0.953,33.6,26.6,standard_longevity,58.3,baseline,1.206,0.603,False,,False,,500000.0,36351.37,30894.33,33796.0,8026.55,False,0,0.65,5.49
LI-2024-INS004-000812,2004-06-13,7,58,65,1946,female,former_smoker,30.5,62,166,OK,USA,married,some_college,heavy_blue_collar,69665.97,0.5032,accelerated_UW,145,94,223,69,3.23,93,,False,66.7,,False,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,1.4,5.0,False,False,False,True,27,UW-006,2.25,universal_life,250000,quarterly,3447.29,,15yr_declining,2766.65,,,False,none,bank,False,False,False,0.016745,0.067703,SOA_2015_VBT,SOA_Scale_MP2023,2.488,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020932,0.008,False,,1.0,False,,,,0.06,0.035,False,normal_rate,2.59,2.87,False,False,False,False,False,0.857,35.6,28.6,preferred_longevity,72.9,baseline,1.123,0.553,False,,False,,247233.35,28876.6,26999.8,27578.32,6549.85,False,0,3.21,-9.01
LI-2024-INS004-000813,2012-01-08,15,44,59,1968,male,never_smoker,21.4,60,109,ID,USA,married,some_college,light_blue_collar,54250.18,0.6805,simplified_issue,132,85,221,47,4.7,105,5.5,False,75.5,2.3,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-240,1.25,universal_life,250000,annual,1450.6,,10yr_declining,1553.94,,,True,none,bank,False,False,False,0.011215,0.018053,SOA_2015_VBT,SOA_Scale_MP2023,1.374,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002804,0.015,False,,1.0,False,,,,0.04,0.0462,False,normal_rate,4.94,1.68,False,False,False,True,False,0.903,47.1,32.1,preferred_longevity,70.9,baseline,0.99,0.626,False,,False,,248446.06,11851.84,10673.36,11604.8,2756.14,False,0,3.31,14.31
LI-2024-INS004-000814,2016-01-16,9,57,66,1959,male,never_smoker,21.6,61,114,CA,USA,single,bachelors,professional,129686.37,0.9504,non_med_guaranteed,142,79,196,58,3.38,85,5.5,False,58.8,10.29,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-345,2.25,whole_life,500000,annual,6434.44,,none,5537.91,,,False,none,captive_agent,False,False,False,0.019025,0.057823,SOA_2015_VBT,SOA_Scale_MP2023,2.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023781,0.012,False,,1.0,False,,,,0.02,0.0188,False,normal_rate,3.35,2.98,False,False,False,False,False,0.786,33.6,24.6,preferred_longevity,63.7,baseline,0.787,1.0,False,,False,,494462.09,47315.15,44599.51,51475.52,12225.44,False,0,2.48,-10.53
LI-2024-INS004-000815,2006-04-19,2,70,72,1936,non_binary,never_smoker,30.3,72,223,UT,USA,married,bachelors,hazardous,20614.4,0.5577,accelerated_UW,142,86,239,57,4.19,114,,False,79.3,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_1,3.11,1.0,True,False,False,True,10,UW-157,1.25,universal_life,1000000,monthly,7180.93,,10yr_declining,5041.49,,,True,quota_share,bank,False,False,False,0.026856,0.048256,SOA_2015_VBT,SOA_Scale_MP2023,1.43,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006714,0.005,False,,1.0,False,,,,0.08,0.0451,False,normal_rate,1.34,0.69,False,False,False,False,False,0.902,15.0,13.0,standard_longevity,40.4,baseline,1.082,0.687,False,,False,,994958.51,34786.28,35051.95,37340.84,17665.09,False,0,3.53,11.91
LI-2024-INS004-000816,2008-11-21,17,37,54,1971,male,never_smoker,28.9,72,213,VA,USA,married,bachelors,hazardous,57277.24,0.7788,full_paramedical,145,82,213,38,5.61,114,5.5,False,,4.5,True,False,False,False,False,none,,none,none,depression,5,False,False,False,True,True,substandard_table_1,4.47,1.0,True,False,False,False,34,UW-027,1.25,term_life,500000,annual,3124.11,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.007392,0.010961,SOA_2015_VBT,SOA_Scale_MP2023,1.346,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001848,0.018,False,,1.0,False,,,,0.03,0.0452,False,normal_rate,3.97,2.36,False,False,False,False,False,0.926,55.2,38.2,super_preferred_longevity,81.5,baseline,0.916,0.826,False,,False,,500000.0,23921.49,22562.93,24992.88,5935.81,False,0,4.39,14.39
LI-2024-INS004-000817,2000-08-26,19,24,43,1976,male,never_smoker,15.0,68,98,VT,USA,single,high_school,professional,65438.8,0.4545,accelerated_UW,117,79,181,60,3.02,60,5.6,False,96.0,2.13,True,False,False,False,False,none,,none,none,schizophrenia,3,False,True,False,False,False,declined,,,False,False,True,True,13,UW-262,7.0,term_life,500000,annual,14283.26,25.0,none,,,,False,none,captive_agent,True,False,False,0.003171,0.041919,SOA_2015_VBT,SOA_Scale_MP2023,6.228,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019027,0.018,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,2.52,1.92,False,False,False,False,False,0.752,67.7,48.7,super_preferred_longevity,92.4,baseline,1.159,0.486,False,,False,,500000.0,121165.69,119954.84,114266.08,27138.19,False,0,-5.0,-20.0
LI-2024-INS004-000818,2003-12-23,15,72,87,1931,male,never_smoker,21.2,75,169,TX,USA,single,bachelors,light_blue_collar,107138.97,0.2154,full_paramedical,160,105,208,43,4.84,79,4.9,False,,6.76,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,32,UW-107,2.0,whole_life,500000,quarterly,8031.44,,none,8657.57,7203.1,0.832,False,none,captive_agent,True,False,False,0.106478,0.39208,SOA_2015_VBT,SOA_Scale_MP2023,2.004,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.106478,0.005,False,,1.0,False,,,,0.015,0.0137,False,normal_rate,4.59,0.66,False,False,False,False,False,0.974,10.9,1.0,sub_standard_longevity,17.2,baseline,1.338,0.166,False,,True,-0.123,491342.43,3085.9,2764.48,3212.58,27467.52,False,0,0.45,-5.05
LI-2024-INS004-000819,2023-04-03,1,63,64,1960,female,never_smoker,27.8,72,204,SD,USA,married,bachelors,heavy_blue_collar,89809.78,0.5419,full_paramedical,135,81,205,50,4.1,100,,False,76.2,,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_1,1.34,1.0,False,False,False,False,7,UW-163,1.25,whole_life,100000,annual,628.49,,none,399.67,,,False,none,captive_agent,True,False,False,0.01276,0.021791,SOA_2015_VBT,SOA_Scale_MP2023,1.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00319,0.015,False,,1.0,False,,,,0.06,0.076,False,normal_rate,3.35,2.4,False,False,False,False,False,0.948,30.4,31.1,preferred_longevity,67.3,baseline,1.094,0.663,True,51.3,False,,99600.33,5026.56,4775.52,5027.92,1194.13,False,0,3.64,12.13
LI-2024-INS004-000820,2009-09-18,4,70,74,1939,male,never_smoker,33.0,60,168,OR,USA,married,bachelors,heavy_blue_collar,59879.63,0.9373,accelerated_UW,136,84,155,58,2.67,80,4.8,False,,1.79,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,1.42,4.0,False,False,False,True,26,UW-208,2.0,whole_life,1000000,annual,12538.68,,none,9099.99,3303.3,0.363,True,none,independent_broker,False,False,False,0.036078,0.099079,SOA_2015_VBT,SOA_Scale_MP2023,2.191,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036078,0.005,False,,1.0,False,,,,0.04,0.0228,False,normal_rate,4.06,2.69,False,False,False,False,False,0.876,17.0,13.0,standard_longevity,46.1,baseline,0.797,0.866,False,,False,,990900.01,64040.31,62768.35,65201.14,30845.15,False,0,0.03,-0.77
LI-2024-INS004-000821,2009-03-28,1,76,77,1933,male,never_smoker,22.5,62,123,AL,USA,single,some_college,white_collar,246309.2,0.7928,full_paramedical,115,72,223,39,5.72,105,5.5,False,,13.38,False,False,True,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-020,1.25,term_life,500000,monthly,4259.42,10.0,none,,,,False,none,direct_to_consumer,False,False,False,0.045489,0.070927,SOA_2015_VBT,SOA_Scale_MP2023,1.446,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011372,0.005,False,,1.0,False,,,,0.1,0.1492,False,normal_rate,4.04,2.78,False,False,False,True,False,0.906,12.5,11.5,standard_longevity,51.6,baseline,0.905,0.614,False,,False,,500000.0,19423.08,17056.57,19593.33,10989.3,False,0,1.41,16.82
LI-2024-INS004-000822,2015-08-26,7,20,27,1995,male,never_smoker,31.2,62,170,HI,USA,married,high_school,light_blue_collar,100132.18,0.8944,full_paramedical,119,76,211,38,5.55,103,6.0,False,79.8,,False,False,False,False,True,melanoma,7.5,none,none,none,5,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,22,UW-459,1.5,whole_life,500000,monthly,1540.9,,none,1264.81,,,False,none,independent_broker,False,False,False,0.001279,0.002353,SOA_2015_VBT,SOA_Scale_MP2023,1.616,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000639,0.022,False,,1.0,False,,,,0.02,0.0197,False,normal_rate,5.57,1.83,False,False,False,False,False,0.782,70.0,61.7,super_preferred_longevity,100.0,baseline,0.829,0.895,True,69.5,False,,498735.19,11938.26,11476.63,12327.2,2927.71,False,0,1.96,10.35
LI-2024-INS004-000823,2017-04-14,1,24,25,1993,female,never_smoker,34.7,60,177,TX,USA,single,high_school,white_collar,20000.0,0.4588,full_paramedical,124,76,183,42,4.36,100,5.1,False,92.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-224,1.25,universal_life,250000,monthly,669.85,,10yr_declining,387.96,,,False,none,captive_agent,False,False,False,0.000946,0.001708,SOA_2015_VBT,SOA_Scale_MP2023,1.345,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000237,0.022,False,,1.0,False,,,,0.12,0.072,False,normal_rate,4.61,1.11,False,False,False,False,False,0.832,70.0,58.3,super_preferred_longevity,100.0,baseline,1.156,0.561,True,52.4,False,,249612.04,4887.88,4713.78,5358.8,1272.71,False,0,4.71,17.57
LI-2024-INS004-000824,2008-06-02,18,69,87,1939,non_binary,former_smoker,30.4,72,224,AK,USA,married,bachelors,light_blue_collar,77766.48,0.9416,accelerated_UW,147,96,233,47,4.96,88,5.3,False,78.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,13,UW-277,2.25,term_life,250000,monthly,4653.72,30.0,none,,,,False,none,captive_agent,False,False,False,0.129677,0.404926,SOA_2015_VBT,SOA_Scale_MP2023,2.359,cardiovascular,True,2008-07-20,True,True,631124.67,0.0007,5e-05,1.095,0.162096,0.005,False,,1.0,False,,,,0.03,0.0284,False,normal_rate,3.91,2.27,False,False,False,False,False,0.962,18.0,1.0,sub_standard_longevity,28.1,baseline,0.794,0.987,False,,False,,250000.0,1818.23,1792.7,1861.49,15915.72,False,0,1.03,-9.47
LI-2024-INS004-000825,2007-08-12,1,57,58,1950,male,never_smoker,15.6,61,90,MA,USA,married,bachelors,light_blue_collar,28794.31,0.4474,accelerated_UW,101,59,174,61,2.85,89,,False,73.3,1.97,False,False,True,False,False,none,,none,none,none,6,False,False,False,False,False,declined,,,False,False,True,True,30,UW-061,7.0,group_life,500000,monthly,19248.78,,none,,,,False,none,employer_group,False,False,False,0.0086,0.127602,SOA_2015_VBT,SOA_Scale_MP2023,7.59,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051597,0.012,False,,1.0,True,2026-02-24,non_payment,1.0,0.18,0.2899,False,normal_rate,2.68,1.78,False,False,False,True,False,0.991,33.2,32.2,preferred_longevity,77.5,baseline,1.164,0.434,False,,False,,500000.0,138996.14,152249.17,153990.24,36572.68,False,0,-5.0,-20.0
LI-2024-INS004-000826,2011-02-11,12,71,83,1940,female,never_smoker,29.5,63,166,NJ,USA,single,bachelors,professional,40082.0,0.3095,full_paramedical,127,81,251,61,4.11,88,5.1,False,45.8,,False,False,False,False,True,breast,3.4,none,none,anxiety,3,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,20,UW-012,2.0,annuity_deferred,2000000,semi_annual,23929.83,,none,22689.5,,,True,excess_of_loss,bank,False,False,False,0.058775,0.223091,SOA_2015_VBT,SOA_Scale_MP2023,2.205,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058775,0.008,False,,1.0,False,,,,0.01,0.0145,False,normal_rate,4.75,0.89,False,False,False,False,False,0.816,17.9,5.9,sub_standard_longevity,26.0,baseline,1.268,0.186,False,,False,,1977310.5,57284.75,58364.85,56474.4,72459.52,False,0,5.22,-4.54
LI-2024-INS004-000827,2007-09-15,20,71,91,1936,male,never_smoker,27.2,64,158,ID,USA,divorced,bachelors,light_blue_collar,26670.0,0.9503,limited_exam,142,86,244,56,4.36,66,,False,,20.0,False,False,False,False,True,prostate,40.0,none,none,depression,4,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,33,UW-114,1.25,group_life,500000,annual,4486.98,,none,,,,False,none,independent_broker,False,False,False,0.152302,0.21757,SOA_2015_VBT,SOA_Scale_MP2023,1.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038075,0.005,False,,1.0,False,,,,0.1,0.094,False,normal_rate,1.9,2.35,False,False,False,False,False,0.779,15.6,1.0,sub_standard_longevity,28.3,baseline,0.787,0.942,False,,False,,500000.0,1957.16,1723.69,1794.79,15345.47,False,0,5.21,23.12
LI-2024-INS004-000828,2001-09-19,4,38,42,1963,female,never_smoker,25.2,61,133,CT,USA,married,bachelors,light_blue_collar,70608.68,0.5793,full_paramedical,116,67,162,52,3.12,118,5.2,False,85.0,,True,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,preferred_plus,,,False,False,False,False,39,UW-254,0.65,term_life,100000,monthly,212.62,25.0,none,,,,False,none,independent_broker,False,False,False,0.002295,0.00157,SOA_2015_VBT,SOA_Scale_MP2023,0.642,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.0866,False,normal_rate,3.5,0.88,False,False,False,False,False,0.801,56.0,52.0,super_preferred_longevity,99.2,baseline,1.066,0.662,False,,False,,100000.0,1737.01,1769.8,1700.96,403.98,False,0,5.62,23.55
LI-2024-INS004-000829,2016-01-12,8,31,39,1985,male,never_smoker,31.9,76,261,GA,USA,single,graduate,hazardous,127095.67,0.8724,limited_exam,125,81,227,63,3.6,105,,False,90.5,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,3.91,,True,False,False,False,19,UW-479,0.82,annuity_immediate,250000,annual,700.15,,none,,,,False,none,independent_broker,False,False,False,0.002419,0.001616,SOA_2015_VBT,SOA_Scale_MP2023,0.79,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.003,0.005,False,normal_rate,3.87,2.63,False,False,False,False,False,0.932,66.8,61.4,super_preferred_longevity,100.0,baseline,0.846,0.916,True,67.9,False,,250000.0,5585.9,4813.61,5601.2,1330.29,False,0,6.45,24.43
LI-2024-INS004-000830,2005-06-06,22,52,74,1953,male,never_smoker,25.9,60,132,WY,USA,single,some_college,white_collar,139252.43,0.4933,non_med_guaranteed,124,69,208,37,5.62,137,4.5,False,,10.44,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,True,False,True,standard,,,False,True,False,False,49,UW-283,1.0,whole_life,2000000,semi_annual,13491.69,,none,19509.22,,,True,none,independent_broker,False,False,False,0.035557,0.043113,SOA_2015_VBT,SOA_Scale_MP2023,1.073,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.015,0.0196,False,normal_rate,4.74,1.47,False,False,False,False,False,0.937,35.9,13.9,standard_longevity,40.7,baseline,1.13,0.525,False,,False,,1980490.78,67955.79,74312.16,75013.8,32218.15,False,0,1.49,21.33
LI-2024-INS004-000831,2013-05-02,11,38,49,1975,female,never_smoker,33.3,68,218,IA,USA,married,some_college,light_blue_collar,53638.85,0.4279,simplified_issue,147,89,183,43,4.26,92,6.3,False,86.6,,False,False,False,False,False,none,,pre_diabetes,none,bipolar,0,False,True,False,False,True,substandard_table_4,,4.0,False,False,False,False,25,UW-403,2.0,annuity_deferred,500000,annual,4645.74,,none,4355.25,,,False,none,captive_agent,False,False,False,0.003965,0.014474,SOA_2015_VBT,SOA_Scale_MP2023,2.248,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003965,0.018,False,,1.0,False,,,,0.01,0.0136,False,normal_rate,2.6,1.47,False,False,False,False,False,0.778,57.4,46.4,super_preferred_longevity,88.5,baseline,1.179,0.343,False,,False,,495644.75,35322.72,33050.86,37165.92,8826.91,False,0,0.57,-2.63
LI-2024-INS004-000832,2017-03-15,1,32,33,1985,male,former_smoker,20.6,75,164,FL,USA,single,some_college,white_collar,40615.13,0.3204,accelerated_UW,124,82,168,54,3.11,75,,False,91.0,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,39,UW-432,2.25,whole_life,1000000,semi_annual,5909.28,,none,3490.0,,,True,none,independent_broker,False,False,False,0.002207,0.009498,SOA_2015_VBT,SOA_Scale_MP2023,2.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002759,0.02,False,,1.0,False,,,,0.06,0.0866,False,normal_rate,3.73,2.98,False,False,False,False,False,0.775,60.6,55.0,super_preferred_longevity,99.8,baseline,1.26,0.41,False,,False,,996510.0,42959.72,46481.99,47274.24,11227.63,False,0,2.07,-15.45
LI-2024-INS004-000833,2024-05-04,3,32,35,1992,male,current_smoker,21.7,67,138,TX,USA,married,high_school,white_collar,98973.52,0.3993,full_paramedical,125,78,154,43,3.58,114,,True,,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,4,UW-117,2.75,term_life,500000,quarterly,4105.61,15.0,none,,,,False,none,employer_group,False,False,False,0.003792,0.020277,SOA_2015_VBT,SOA_Scale_MP2023,2.996,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006637,0.022,False,,1.0,False,,,,0.07,0.116,False,normal_rate,2.3,1.53,False,False,False,False,False,0.955,62.2,63.8,super_preferred_longevity,100.0,baseline,1.201,0.404,True,79.4,False,,500000.0,29903.86,28424.94,32844.88,7800.66,False,0,-2.26,-20.0
LI-2024-INS004-000834,2013-05-28,11,42,53,1971,female,never_smoker,28.1,64,163,RI,USA,married,bachelors,professional,43322.62,0.5707,full_paramedical,123,77,210,45,4.67,99,5.6,False,,,False,False,True,False,False,none,,none,none,bipolar,9,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-377,2.0,indexed_ul,1000000,monthly,9825.43,,15yr_declining,9678.23,,,True,quota_share,captive_agent,False,False,False,0.005451,0.01772,SOA_2015_VBT,SOA_Scale_MP2023,2.1,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005451,0.018,False,,1.0,False,,,,0.04,0.0224,False,normal_rate,2.76,2.73,False,False,False,False,False,0.998,56.4,48.3,super_preferred_longevity,100.0,baseline,1.072,0.534,True,53.6,False,,990321.77,73860.43,68526.59,78603.44,18668.32,False,0,-2.45,-11.5
LI-2024-INS004-000835,2011-07-19,4,74,78,1937,male,never_smoker,23.8,72,175,CA,USA,divorced,bachelors,light_blue_collar,20000.0,0.2061,full_paramedical,135,78,225,55,4.09,98,,False,66.4,7.48,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,4,UW-434,0.78,term_life,250000,monthly,1274.12,20.0,none,,,,True,coinsurance,independent_broker,True,False,False,0.050634,0.057292,SOA_2015_VBT,SOA_Scale_MP2023,0.841,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.07,0.1504,False,normal_rate,1.59,2.76,False,False,False,False,True,0.829,9.8,5.8,sub_standard_longevity,24.3,baseline,1.345,0.258,False,,False,,250000.0,3192.59,2804.35,2955.96,3868.23,False,0,7.17,25.48
LI-2024-INS004-000836,2023-03-02,1,34,35,1989,female,former_smoker,29.7,60,151,ND,USA,married,bachelors,hazardous,32429.25,0.1794,limited_exam,120,73,205,50,4.1,66,,False,,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,True,True,substandard_table_1,3.24,1.0,True,False,False,False,27,UW-398,1.25,universal_life,250000,semi_annual,971.83,,10yr_declining,612.59,,,False,none,bank,False,False,False,0.001972,0.004381,SOA_2015_VBT,SOA_Scale_MP2023,1.444,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000493,0.02,False,,1.0,False,,,,0.12,0.1177,False,normal_rate,1.68,2.64,False,False,False,False,False,0.905,62.7,55.0,super_preferred_longevity,97.7,baseline,1.365,0.05,False,,False,,249387.41,7608.8,7034.41,7774.64,1846.48,False,0,2.44,2.16
LI-2024-INS004-000837,2004-12-26,7,50,57,1954,female,never_smoker,29.3,67,186,NE,USA,married,graduate,light_blue_collar,21281.96,0.541,limited_exam,139,87,224,48,4.67,83,4.9,False,,,True,False,True,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-260,1.25,term_life,1000000,monthly,5216.03,30.0,none,,,,True,facultative,bank,False,False,False,0.006639,0.010973,SOA_2015_VBT,SOA_Scale_MP2023,1.282,cancer,True,2009-01-24,False,False,208489.4,0.0007,5e-05,1.095,0.00166,0.012,False,,1.0,False,,,,0.05,0.0634,False,normal_rate,5.3,2.36,False,False,False,False,False,0.998,45.2,38.2,super_preferred_longevity,87.9,baseline,1.094,0.633,False,,False,,1000000.0,45577.74,40899.15,41728.24,9910.46,False,0,4.2,6.01
LI-2024-INS004-000838,2007-05-07,9,76,85,1931,male,current_smoker,37.7,74,293,NC,USA,married,some_college,light_blue_collar,50494.37,0.5683,limited_exam,159,96,224,33,6.79,98,5.8,True,61.6,5.5,False,False,False,False,False,none,,pre_diabetes,none,bipolar,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,42,UW-080,2.5,whole_life,100000,annual,1581.38,,none,1400.8,,,False,none,captive_agent,True,False,False,0.179743,0.785511,SOA_2015_VBT,SOA_Scale_MP2023,2.673,cancer,True,2015-12-18,False,False,1108518.71,0.0007,5e-05,1.095,0.269614,0.005,False,,1.0,False,,,,0.02,0.0249,False,normal_rate,6.02,1.72,False,False,False,False,False,0.851,8.3,1.1,sub_standard_longevity,22.7,baseline,1.074,0.54,True,59.6,False,,98599.2,716.03,594.22,695.81,5395.67,False,0,0.15,-20.0
LI-2024-INS004-000839,2004-07-22,6,31,37,1973,male,never_smoker,31.2,68,205,WI,USA,divorced,high_school,light_blue_collar,116077.27,0.5218,simplified_issue,129,66,209,45,4.64,119,5.3,True,97.3,,False,False,False,False,False,none,,none,none,none,26,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,18,UW-340,1.75,term_life,1000000,monthly,5625.97,20.0,none,,,,True,facultative,bank,False,False,False,0.004268,0.012093,SOA_2015_VBT,SOA_Scale_MP2023,1.879,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003201,0.018,False,,1.0,False,,,,0.05,0.0641,False,normal_rate,3.17,1.17,False,False,False,False,False,0.993,60.5,54.5,super_preferred_longevity,100.0,baseline,1.109,0.552,False,,False,,1000000.0,45070.25,41518.06,45007.76,10689.34,False,0,3.15,4.61
LI-2024-INS004-000840,2018-03-17,7,28,35,1990,female,current_smoker,22.5,58,107,MN,USA,single,bachelors,professional,20000.0,0.5764,full_paramedical,93,66,180,60,3.0,88,4.7,True,,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,24,UW-110,2.75,universal_life,1000000,semi_annual,7691.07,,15yr_declining,6529.71,,,True,facultative,bank,False,False,False,0.003034,0.014276,SOA_2015_VBT,SOA_Scale_MP2023,2.768,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005309,0.022,False,,1.0,False,,,,0.06,0.0334,False,normal_rate,5.07,2.46,False,False,False,False,False,0.955,70.0,55.0,super_preferred_longevity,100.0,baseline,1.068,0.429,False,,False,,993470.29,62304.45,63224.35,61528.56,14613.03,False,0,-0.98,-20.0
LI-2024-INS004-000841,2021-08-02,1,67,68,1954,male,never_smoker,27.6,70,192,TN,USA,single,bachelors,professional,21790.13,0.3897,simplified_issue,127,72,267,55,4.85,138,5.7,False,78.5,5.54,False,False,False,False,False,none,,pre_diabetes,none,schizophrenia,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,34,UW-397,2.25,term_life,500000,semi_annual,6629.84,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.021312,0.100044,SOA_2015_VBT,SOA_Scale_MP2023,2.489,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026641,0.012,True,0.00934,1.0,False,,,,0.1,0.1388,False,normal_rate,4.26,2.65,True,False,False,False,False,0.813,20.6,19.6,standard_longevity,47.7,baseline,1.208,0.402,False,,False,,500000.0,50007.79,50948.86,51977.95,12808.85,False,0,0.2,-12.11
LI-2024-INS004-000842,2019-05-26,2,68,70,1951,female,never_smoker,35.1,68,231,UT,USA,married,graduate,professional,43500.86,0.1519,accelerated_UW,136,82,221,56,3.95,119,5.3,False,75.0,,False,False,False,False,True,lung,0.2,none,none,none,1,False,False,False,False,True,declined,,,False,False,True,True,24,UW-346,7.0,term_life,500000,annual,21440.32,20.0,none,,,,True,none,independent_broker,False,False,False,0.019577,0.315381,SOA_2015_VBT,SOA_Scale_MP2023,7.294,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.11746,0.012,False,,1.0,False,,,,0.07,0.1547,False,normal_rate,2.23,0.76,False,False,False,True,False,0.851,22.2,20.2,standard_longevity,45.1,baseline,1.386,0.0,False,,False,,500000.0,157017.65,159796.66,171522.56,40736.61,False,0,-5.0,-20.0
LI-2024-INS004-000843,2014-11-13,1,68,69,1946,female,current_smoker,27.4,58,131,KS,USA,married,less_than_hs,light_blue_collar,39031.2,0.6915,full_paramedical,146,95,178,57,3.12,100,,True,82.8,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-245,2.0,whole_life,500000,semi_annual,6234.04,,none,3944.14,,,False,none,direct_to_consumer,True,False,False,0.036475,0.10932,SOA_2015_VBT,SOA_Scale_MP2023,2.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036475,0.008,False,,1.0,False,,,,0.06,0.0963,False,normal_rate,3.49,1.57,False,False,False,False,False,0.959,23.3,22.3,standard_longevity,56.3,baseline,0.981,0.572,False,,False,,496055.86,53501.17,50748.65,49872.32,11844.68,False,0,3.18,-12.61
LI-2024-INS004-000844,2010-04-28,15,71,86,1939,male,former_smoker,30.1,60,154,WY,USA,divorced,high_school,white_collar,98250.84,0.8529,full_paramedical,158,100,185,50,3.7,79,4.6,False,,9.37,False,False,False,False,False,none,,none,none,schizophrenia,13,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-204,2.25,term_life,1000000,quarterly,17867.16,15.0,none,,,,True,quota_share,captive_agent,True,False,False,0.132402,0.445832,SOA_2015_VBT,SOA_Scale_MP2023,2.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.165503,0.005,False,,1.0,False,,,,0.03,0.0305,False,normal_rate,3.09,1.61,False,False,False,False,False,0.983,15.7,1.0,sub_standard_longevity,26.8,baseline,0.86,0.845,False,,False,,1000000.0,7021.66,6120.97,7146.86,61105.69,False,0,0.39,-10.31
LI-2024-INS004-000845,2012-11-02,8,53,61,1959,male,never_smoker,26.4,62,144,GA,USA,married,graduate,heavy_blue_collar,43352.75,0.6914,full_paramedical,157,98,195,78,2.5,99,,False,91.4,4.46,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,0.89,5.0,False,False,False,False,8,UW-229,2.25,annuity_immediate,2000000,monthly,20998.57,,none,,,,True,none,captive_agent,False,False,False,0.012365,0.044849,SOA_2015_VBT,SOA_Scale_MP2023,2.422,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015456,0.012,False,,1.0,False,,,,0.003,0.005,False,normal_rate,4.25,1.72,False,False,False,False,False,0.985,36.6,28.5,preferred_longevity,65.6,baseline,0.981,0.748,True,32.4,False,,2000000.0,157721.07,168361.38,167988.56,39897.28,False,0,2.65,-4.71
LI-2024-INS004-000846,2012-08-28,12,27,39,1985,female,never_smoker,34.6,63,195,WI,USA,married,graduate,white_collar,44242.67,0.5631,full_paramedical,133,86,182,57,3.19,111,5.2,False,89.4,,False,False,True,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-344,1.25,universal_life,1000000,monthly,4425.66,,10yr_declining,4440.27,,,True,excess_of_loss,independent_broker,False,False,False,0.001936,0.00312,SOA_2015_VBT,SOA_Scale_MP2023,1.264,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000484,0.02,False,,1.0,False,,,,0.04,0.05,False,normal_rate,3.45,2.03,False,False,False,False,False,0.757,70.0,63.8,super_preferred_longevity,100.0,baseline,1.078,0.471,True,79.3,False,,995559.73,37580.22,35782.91,35405.28,8408.75,False,0,6.67,13.48
LI-2024-INS004-000847,2014-10-02,7,37,44,1977,female,never_smoker,30.3,62,165,MN,USA,married,some_college,professional,186689.6,0.8618,full_paramedical,128,84,221,20,11.05,76,,False,61.8,,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,19,UW-433,1.75,annuity_immediate,2000000,quarterly,11272.73,,none,,,,True,coinsurance,worksite,True,False,False,0.002724,0.006125,SOA_2015_VBT,SOA_Scale_MP2023,1.755,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002043,0.018,False,,1.0,False,,,,0.003,0.005,False,normal_rate,3.04,2.68,False,False,False,False,False,0.993,60.4,53.4,super_preferred_longevity,100.0,baseline,0.854,0.891,False,,False,,2000000.0,96228.71,81674.19,90181.84,21418.19,False,0,2.9,7.54
LI-2024-INS004-000848,2013-08-02,1,53,54,1960,male,never_smoker,23.8,71,170,LA,USA,widowed,less_than_hs,white_collar,158512.01,0.8734,full_paramedical,137,89,183,49,3.73,89,4.5,False,92.9,0.76,True,True,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,20,UW-312,1.0,whole_life,1000000,monthly,4777.39,,none,2926.79,,,True,quota_share,bank,False,False,False,0.006854,0.005994,SOA_2015_VBT,SOA_Scale_MP2023,1.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0601,False,normal_rate,0.74,2.83,False,False,False,False,False,0.952,40.7,40.0,super_preferred_longevity,95.6,baseline,0.845,0.63,False,,True,0.17,997073.21,34473.82,39066.66,38219.12,9077.04,False,0,4.54,25.34
LI-2024-INS004-000849,2007-04-09,20,77,97,1930,female,unknown,26.5,65,159,NY,USA,married,some_college,heavy_blue_collar,93917.86,0.2854,full_paramedical,146,71,216,51,4.24,94,5.8,False,48.0,,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_2,0.74,2.0,False,False,False,False,6,UW-062,1.5,term_life,2000000,monthly,25156.51,20.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.218901,0.576169,SOA_2015_VBT,SOA_Scale_MP2023,1.658,neurological,True,2019-07-06,False,False,694924.87,0.0007,5e-05,1.095,0.10945,0.005,False,,1.0,False,,,,0.03,0.0442,False,normal_rate,3.2,2.84,False,True,False,False,False,0.974,10.0,1.0,sub_standard_longevity,18.3,baseline,1.286,0.225,False,,False,,2000000.0,9543.8,9484.7,10062.6,86035.26,False,0,-1.85,-3.19
LI-2024-INS004-000850,2010-03-22,8,80,88,1930,male,never_smoker,25.8,64,150,IN,USA,married,bachelors,professional,197038.82,0.4478,simplified_issue,132,77,247,50,4.94,74,5.2,False,57.4,3.87,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-401,1.25,whole_life,1000000,quarterly,8692.48,,none,7142.58,,,True,quota_share,independent_broker,False,False,False,0.115239,0.214078,SOA_2015_VBT,SOA_Scale_MP2023,1.381,neurological,True,2012-05-06,False,False,91840.44,0.0007,5e-05,1.095,0.02881,0.005,False,,1.0,False,,,,0.02,0.0268,False,normal_rate,1.02,2.08,False,False,False,False,False,0.838,5.0,1.0,sub_standard_longevity,20.7,baseline,1.164,0.333,False,,False,,992857.42,3142.83,2997.5,3476.99,29728.28,False,0,3.77,5.17
LI-2024-INS004-000851,2004-11-05,5,44,49,1960,female,former_smoker,26.0,68,171,NE,USA,widowed,some_college,professional,50224.1,0.8447,accelerated_UW,120,78,198,61,3.25,67,,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,True,15,UW-436,1.0,universal_life,500000,annual,2161.28,,10yr_declining,1603.82,,,False,none,independent_broker,False,False,False,0.004779,0.004282,SOA_2015_VBT,SOA_Scale_MP2023,1.034,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.1703,False,normal_rate,1.96,1.33,False,False,False,True,False,0.788,53.6,48.6,super_preferred_longevity,100.0,baseline,0.866,0.732,False,,False,,498396.18,15821.45,15304.76,17290.24,4106.43,False,0,5.23,19.24
LI-2024-INS004-000852,2024-04-22,3,73,76,1951,male,former_smoker,29.3,74,228,MS,USA,divorced,bachelors,light_blue_collar,30006.8,0.8531,full_paramedical,128,69,236,46,5.13,92,5.5,False,60.0,7.54,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-426,1.25,term_life,250000,monthly,2045.21,30.0,none,,,,False,none,captive_agent,False,False,False,0.053732,0.074442,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013433,0.012,False,,1.0,False,,,,0.07,0.0712,False,normal_rate,1.88,0.61,False,False,False,False,False,0.759,16.0,13.0,standard_longevity,44.8,baseline,0.86,1.0,False,,False,,250000.0,10845.29,9762.73,10635.09,5031.22,False,0,3.27,15.26
LI-2024-INS004-000853,2012-11-28,4,51,55,1961,female,never_smoker,18.7,60,95,GA,USA,widowed,some_college,professional,79777.21,0.5809,full_paramedical,130,73,206,64,3.22,60,4.8,False,,,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,28,UW-321,2.25,term_life,500000,annual,4563.88,20.0,none,,,,False,none,bank,False,False,False,0.006044,0.023243,SOA_2015_VBT,SOA_Scale_MP2023,2.439,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007555,0.015,False,,1.0,False,,,,0.07,0.0865,False,normal_rate,4.55,2.86,False,False,False,False,False,0.971,42.7,38.7,preferred_longevity,79.3,baseline,1.064,0.623,False,,False,,500000.0,33086.69,31535.24,36511.04,8671.37,False,0,3.86,-13.42
LI-2024-INS004-000854,2000-08-04,20,36,56,1964,female,former_smoker,29.4,61,155,AK,USA,single,graduate,light_blue_collar,36232.0,0.4142,full_paramedical,123,71,243,39,6.23,102,5.4,False,67.1,,False,False,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-254,1.5,annuity_immediate,2000000,quarterly,12952.45,,none,,,,True,coinsurance,captive_agent,False,False,False,0.008931,0.022502,SOA_2015_VBT,SOA_Scale_MP2023,1.698,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004466,0.015,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.87,2.5,False,False,False,False,False,0.992,60.5,41.2,super_preferred_longevity,90.5,baseline,1.189,0.404,False,,True,0.466,2000000.0,105511.13,97795.72,103619.6,24609.66,False,0,2.2,4.89
LI-2024-INS004-000855,2010-07-17,9,63,72,1947,male,never_smoker,33.1,61,175,ND,USA,divorced,some_college,professional,59495.57,0.6974,limited_exam,138,80,217,42,5.17,96,5.5,False,70.2,11.2,False,True,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-403,2.25,universal_life,500000,monthly,7199.12,,10yr_declining,6304.7,,,True,none,direct_to_consumer,False,False,False,0.029863,0.106824,SOA_2015_VBT,SOA_Scale_MP2023,2.382,cardiovascular,True,2012-12-29,False,False,705231.41,0.0007,5e-05,1.095,0.037329,0.008,False,,1.0,False,,,,0.06,0.0432,False,normal_rate,2.52,2.69,False,False,False,False,False,0.755,27.5,19.2,preferred_longevity,61.8,baseline,0.977,0.952,True,44.9,False,,493695.3,52251.06,57325.94,55289.24,14139.07,False,0,0.5,-5.64
LI-2024-INS004-000856,2002-08-20,6,60,66,1942,female,never_smoker,29.5,64,171,HI,USA,single,some_college,heavy_blue_collar,20490.01,0.6987,limited_exam,155,95,193,49,3.94,108,,False,,,True,False,False,True,True,lung,11.7,none,none,none,3,False,False,False,False,True,declined,,,False,False,True,False,32,UW-081,7.0,term_life,1000000,quarterly,40982.45,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.013603,0.17364,SOA_2015_VBT,SOA_Scale_MP2023,6.931,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.08162,0.008,False,,1.0,False,,,,0.05,0.0685,False,normal_rate,4.48,1.07,False,False,False,False,False,0.994,30.7,27.9,preferred_longevity,64.8,baseline,0.976,0.671,True,71.4,False,,1000000.0,307367.95,287339.22,327859.6,77866.65,False,0,-5.0,-20.0
LI-2024-INS004-000857,2001-05-27,19,71,90,1930,male,former_smoker,24.8,75,198,MS,USA,married,bachelors,professional,65156.01,0.4544,full_paramedical,154,95,203,60,3.38,89,5.8,False,,7.04,False,False,False,False,True,lung,0.4,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,46,UW-213,1.0,term_life,250000,annual,2049.49,10.0,none,,,,False,none,independent_broker,False,False,False,0.176948,0.212092,SOA_2015_VBT,SOA_Scale_MP2023,1.034,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,3.65,1.3,False,False,False,False,False,0.844,12.7,1.2,sub_standard_longevity,21.1,baseline,1.159,0.383,True,82.2,False,,250000.0,905.45,864.06,983.76,6976.46,False,0,1.17,19.14
LI-2024-INS004-000858,2011-01-03,10,63,73,1948,male,never_smoker,32.5,63,183,MS,USA,single,bachelors,professional,35544.51,0.5861,full_paramedical,134,86,201,40,5.03,119,9.1,False,61.6,14.85,False,False,False,False,False,none,,type_2,none,bipolar,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,52,UW-011,3.0,term_life,250000,annual,5226.48,10.0,none,,,,False,none,captive_agent,False,False,False,0.032854,0.17207,SOA_2015_VBT,SOA_Scale_MP2023,3.053,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065707,0.008,False,,1.0,False,,,,0.05,0.0616,False,normal_rate,3.52,1.72,False,False,False,False,False,0.847,24.2,14.2,standard_longevity,42.6,baseline,1.06,0.674,False,,False,,250000.0,31129.04,30725.36,29686.41,12355.4,False,0,-3.87,-20.0
LI-2024-INS004-000859,2014-08-21,13,40,53,1974,male,never_smoker,25.8,72,189,TX,USA,single,bachelors,light_blue_collar,48396.69,0.4654,full_paramedical,108,84,215,53,4.06,78,5.3,False,81.5,0.73,False,False,False,False,False,none,,none,none,bipolar,4,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-433,2.0,annuity_deferred,500000,monthly,4434.41,,none,4432.0,,,False,none,independent_broker,False,False,False,0.006813,0.024237,SOA_2015_VBT,SOA_Scale_MP2023,2.222,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.018,False,,1.0,False,,,,0.01,0.0133,False,normal_rate,3.76,0.86,False,False,False,False,False,0.824,51.4,38.4,preferred_longevity,77.1,baseline,1.151,0.305,False,,False,,495568.0,36057.38,33260.48,35475.28,8425.38,False,0,5.27,-9.37
LI-2024-INS004-000860,2006-02-28,12,36,48,1970,female,never_smoker,30.5,66,189,AR,USA,single,bachelors,hazardous,58515.95,0.9468,full_paramedical,128,79,247,60,4.12,76,,False,91.1,,True,False,True,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,4.88,4.0,True,False,False,False,21,UW-267,2.0,annuity_deferred,250000,quarterly,1760.65,,none,1785.76,,,False,none,employer_group,False,True,False,0.00367,0.009911,SOA_2015_VBT,SOA_Scale_MP2023,2.153,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00367,0.018,False,,1.0,False,,,,0.01,0.0113,False,normal_rate,3.93,0.65,False,False,False,False,False,0.915,63.7,51.7,super_preferred_longevity,100.0,baseline,0.79,1.0,False,,False,,248214.24,15234.74,12541.9,14085.2,3345.24,False,0,2.87,-5.33
LI-2024-INS004-000861,2006-05-24,15,23,38,1983,male,unknown,31.3,60,160,MN,USA,married,high_school,heavy_blue_collar,69783.55,0.7844,full_paramedical,120,80,204,42,4.86,84,,False,98.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,1.24,5.0,False,False,False,False,6,UW-014,2.25,universal_life,2000000,quarterly,15961.66,,15yr_declining,17405.84,,,True,quota_share,captive_agent,False,False,False,0.002611,0.008988,SOA_2015_VBT,SOA_Scale_MP2023,2.405,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003264,0.02,False,,1.0,False,,,,0.04,0.0193,False,normal_rate,2.17,1.47,False,False,False,False,False,0.846,70.0,55.0,super_preferred_longevity,100.0,baseline,0.912,0.869,False,,False,,1982594.16,126762.05,129394.04,127693.28,30327.15,False,0,2.78,-4.44
LI-2024-INS004-000862,2010-01-18,12,34,46,1976,male,current_smoker,16.2,69,109,OR,USA,married,high_school,professional,42789.35,0.6381,full_paramedical,106,65,131,65,2.02,80,4.8,True,,0.72,False,False,True,False,False,none,,none,none,none,1,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,25,UW-096,1.5,annuity_deferred,1000000,monthly,6168.6,,none,6211.39,,,True,quota_share,bank,False,False,False,0.007886,0.017404,SOA_2015_VBT,SOA_Scale_MP2023,1.671,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,False,,1.0,False,,,,0.01,0.0119,False,normal_rate,0.07,1.83,False,False,False,True,False,0.993,61.4,49.0,super_preferred_longevity,100.0,baseline,1.021,0.73,False,,True,-0.289,993788.61,52910.49,43868.73,49348.8,11720.34,False,0,3.93,2.37
LI-2024-INS004-000863,2015-04-01,11,64,75,1951,female,former_smoker,34.4,61,181,ND,USA,married,high_school,white_collar,20000.0,0.9316,accelerated_UW,128,90,239,36,6.64,122,4.5,False,57.7,,False,False,False,False,False,none,,none,none,none,3,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,True,18,UW-151,1.5,annuity_deferred,1000000,monthly,9040.54,,none,9024.22,,,True,coinsurance,captive_agent,False,False,False,0.039392,0.069821,SOA_2015_VBT,SOA_Scale_MP2023,1.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019696,0.012,False,,1.0,False,,,,0.01,0.0095,False,normal_rate,4.67,2.11,False,False,False,False,False,0.856,29.3,18.3,standard_longevity,53.9,baseline,0.801,0.92,False,,False,,990975.78,70160.39,61718.44,66176.75,18406.54,False,0,3.11,11.42
LI-2024-INS004-000864,2010-10-15,6,57,63,1953,female,never_smoker,30.0,64,174,VA,USA,married,high_school,professional,65094.1,0.6462,simplified_issue,160,101,252,38,6.63,83,,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-158,2.0,term_life,2000000,annual,22086.55,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.010923,0.033281,SOA_2015_VBT,SOA_Scale_MP2023,2.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010923,0.012,False,,1.0,False,,,,0.05,0.0592,False,normal_rate,2.49,2.37,True,False,False,False,False,0.79,35.5,29.5,preferred_longevity,66.4,baseline,1.015,0.624,False,,False,,2000000.0,162672.72,178192.16,176692.4,41964.44,False,0,4.09,-8.49
LI-2024-INS004-000865,2008-03-28,14,33,47,1975,female,never_smoker,29.0,69,196,NJ,USA,single,less_than_hs,light_blue_collar,262800.61,0.9743,full_paramedical,129,75,273,63,4.33,82,,False,,,True,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-474,2.0,group_life,100000,quarterly,723.04,,none,,,,False,none,captive_agent,False,False,False,0.003401,0.008821,SOA_2015_VBT,SOA_Scale_MP2023,2.072,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003401,0.018,False,,1.0,False,,,,0.1,0.0921,False,normal_rate,2.41,1.31,False,False,False,False,False,0.913,64.6,50.6,super_preferred_longevity,100.0,baseline,0.769,1.0,False,,False,,100000.0,6290.15,5141.1,5784.32,1373.78,False,0,9.05,-7.0
LI-2024-INS004-000866,2024-07-17,2,52,54,1972,female,never_smoker,28.8,61,152,WA,USA,single,some_college,white_collar,36616.34,0.5717,full_paramedical,135,82,211,41,5.15,75,5.4,False,90.3,,False,False,False,False,True,breast,0.1,none,none,bipolar,3,False,True,False,False,True,standard,,,False,True,False,False,23,UW-261,1.0,universal_life,100000,annual,511.9,,10yr_declining,345.33,,,False,none,direct_to_consumer,False,False,False,0.005914,0.006766,SOA_2015_VBT,SOA_Scale_MP2023,1.068,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0626,False,normal_rate,5.06,1.44,False,False,False,False,False,0.815,43.5,41.5,super_preferred_longevity,83.3,baseline,1.071,0.431,False,,False,,99654.67,4041.09,3646.05,4095.2,972.61,False,0,4.22,18.42
LI-2024-INS004-000867,2006-12-03,3,51,54,1955,male,former_smoker,17.5,64,101,IL,USA,married,graduate,white_collar,140817.19,0.3151,limited_exam,114,74,190,27,7.04,101,,False,,3.94,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,43,UW-415,1.5,term_life,2000000,annual,13511.05,30.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.008517,0.022264,SOA_2015_VBT,SOA_Scale_MP2023,1.673,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004258,0.012,False,,1.0,True,2025-07-24,voluntary_surrender,3.0,0.07,0.1419,False,normal_rate,3.74,0.96,False,False,True,False,False,0.913,36.5,37.0,preferred_longevity,72.7,baseline,1.264,0.261,True,64.6,False,,2000000.0,107800.5,100697.08,108088.4,25670.99,False,0,3.43,7.14
LI-2024-INS004-000868,2007-09-10,16,22,38,1985,female,never_smoker,28.2,58,135,NY,USA,married,graduate,professional,29087.63,0.7608,full_paramedical,118,73,208,55,3.78,100,5.2,False,91.6,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,preferred_plus,,,False,False,False,False,38,UW-398,0.58,whole_life,250000,annual,523.68,,none,614.08,,,False,none,independent_broker,True,False,False,0.001816,0.000984,SOA_2015_VBT,SOA_Scale_MP2023,0.583,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.0164,False,normal_rate,2.45,2.32,False,False,False,False,False,0.854,70.0,52.5,super_preferred_longevity,100.0,baseline,0.929,0.585,True,23.5,False,,249385.92,4300.33,4243.25,4189.44,994.99,False,0,6.31,31.51
LI-2024-INS004-000869,2021-02-11,6,45,51,1976,female,former_smoker,33.0,60,169,AR,USA,divorced,some_college,professional,30796.67,0.5979,accelerated_UW,150,91,197,30,6.57,95,5.8,False,81.9,,False,False,False,False,True,breast,2.3,pre_diabetes,none,none,2,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,True,32,UW-066,2.0,term_life,500000,annual,4164.9,20.0,none,,,,False,none,bank,False,False,False,0.006033,0.025304,SOA_2015_VBT,SOA_Scale_MP2023,2.247,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006033,0.018,True,0.00502,1.0,False,,,,0.05,0.0611,False,normal_rate,4.57,2.5,False,False,False,False,False,0.969,51.2,45.2,super_preferred_longevity,89.3,baseline,1.052,0.635,False,,False,,500000.0,36479.38,29575.69,33319.2,7913.31,False,0,2.23,-10.89
LI-2024-INS004-000870,2021-06-21,6,22,28,1999,male,never_smoker,27.6,61,146,WY,USA,married,high_school,white_collar,87516.81,0.8604,accelerated_UW,122,70,225,57,3.95,96,4.8,False,87.8,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,True,22,UW-142,0.62,annuity_deferred,500000,quarterly,711.2,,none,536.49,,,False,none,captive_agent,False,False,False,0.001334,0.00303,SOA_2015_VBT,SOA_Scale_MP2023,0.571,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00238,1.0,False,,,,0.02,0.0202,False,normal_rate,2.5,2.4,False,False,False,False,False,0.958,70.0,55.0,super_preferred_longevity,100.0,baseline,0.855,0.978,False,,False,,499463.51,5489.77,5043.73,5689.6,1351.28,False,0,4.9,26.31
LI-2024-INS004-000871,2012-08-21,3,21,24,1991,male,never_smoker,29.8,76,244,MI,USA,married,bachelors,professional,28032.01,0.7526,accelerated_UW,115,64,179,36,4.97,76,5.8,False,,,False,False,False,False,True,prostate,0.3,none,none,schizophrenia,3,False,True,False,False,True,standard,,,False,True,False,True,23,UW-321,1.0,term_life,1000000,quarterly,2268.18,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001141,0.00109,SOA_2015_VBT,SOA_Scale_MP2023,1.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0769,False,normal_rate,4.59,2.56,False,False,False,False,False,0.948,70.0,55.0,super_preferred_longevity,100.0,baseline,0.936,0.67,False,,False,,1000000.0,19039.26,16174.77,18145.44,4309.54,False,0,1.75,23.2
LI-2024-INS004-000872,2021-02-08,5,26,31,1995,male,never_smoker,24.0,75,191,PA,USA,married,some_college,light_blue_collar,109823.07,0.6287,limited_exam,118,68,234,29,8.07,79,,False,88.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-031,2.25,indexed_ul,500000,annual,2774.27,,15yr_declining,1995.02,,,False,none,bank,False,False,False,0.001532,0.012069,SOA_2015_VBT,SOA_Scale_MP2023,2.446,other,True,2021-04-08,True,False,823828.06,0.0007,5e-05,1.095,0.001915,0.022,True,0.0063,1.0,False,,,,0.08,0.0431,False,normal_rate,0.27,0.67,False,False,False,False,False,0.823,69.5,55.0,super_preferred_longevity,100.0,baseline,1.028,0.641,False,,False,,498004.98,23545.81,19595.33,22194.16,5271.11,False,0,-0.95,-10.11
LI-2024-INS004-000873,2011-07-20,3,47,50,1964,female,never_smoker,29.5,61,156,MO,USA,divorced,graduate,light_blue_collar,50031.81,0.9138,full_paramedical,130,81,200,56,3.57,73,,False,72.1,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,22,UW-361,2.25,whole_life,500000,monthly,4590.35,,none,3105.32,,,False,none,captive_agent,False,False,False,0.004223,0.01356,SOA_2015_VBT,SOA_Scale_MP2023,2.407,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005279,0.015,False,,1.0,False,,,,0.04,0.0388,False,normal_rate,4.92,1.22,False,True,False,False,False,0.833,48.5,45.5,super_preferred_longevity,94.5,baseline,0.815,1.0,False,,False,,496894.68,35296.53,34482.07,36722.8,8721.67,False,0,2.02,-9.36
LI-2024-INS004-000874,2004-12-13,19,25,44,1979,female,former_smoker,30.0,67,191,HI,USA,single,bachelors,professional,54328.83,0.2872,accelerated_UW,125,81,200,62,3.23,96,5.8,False,93.2,,False,True,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,22,UW-306,1.25,term_life,100000,monthly,448.94,15.0,none,,,,False,none,captive_agent,False,False,False,0.003542,0.007073,SOA_2015_VBT,SOA_Scale_MP2023,1.36,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000885,0.018,False,,1.0,False,,,,0.03,0.0441,False,normal_rate,4.63,1.55,False,False,False,False,False,0.991,70.0,54.5,super_preferred_longevity,98.6,baseline,1.285,0.235,True,54.7,False,,100000.0,3697.36,3318.77,3591.52,852.99,False,0,4.08,2.78
LI-2024-INS004-000875,2001-05-04,13,33,46,1968,male,never_smoker,23.3,72,171,RI,USA,married,bachelors,hazardous,39480.44,0.2029,full_paramedical,120,76,180,49,3.67,72,4.7,False,,2.02,False,False,False,False,False,none,,none,none,schizophrenia,14,False,False,False,False,False,substandard_table_5,2.58,5.0,True,False,False,False,13,UW-136,2.25,universal_life,2000000,monthly,17577.25,,10yr_declining,17814.94,,,True,coinsurance,independent_broker,False,False,False,0.003943,0.01769,SOA_2015_VBT,SOA_Scale_MP2023,2.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004929,0.015,False,,1.0,False,,,,0.04,0.0615,False,normal_rate,4.04,0.8,False,False,False,False,False,0.998,56.2,43.2,super_preferred_longevity,80.3,baseline,1.348,0.059,False,,False,,1982185.06,138549.05,133761.7,140618.0,33396.77,False,0,-1.41,-13.42
LI-2024-INS004-000876,2012-10-28,9,18,27,1994,female,never_smoker,21.7,61,114,CO,USA,widowed,high_school,white_collar,155450.86,0.6401,full_paramedical,109,65,181,52,3.48,91,4.9,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-078,1.25,whole_life,500000,semi_annual,1239.67,,none,1089.85,,,False,none,captive_agent,False,False,False,0.001023,0.001631,SOA_2015_VBT,SOA_Scale_MP2023,1.318,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000256,0.022,False,,1.0,False,,,,0.02,0.0238,False,normal_rate,3.89,2.03,False,False,False,False,False,0.971,70.0,64.1,super_preferred_longevity,100.0,baseline,1.02,0.678,True,80.6,False,,498910.15,9259.52,9538.22,9917.36,2355.37,False,0,4.66,11.86
LI-2024-INS004-000877,2007-06-14,20,51,71,1956,female,never_smoker,33.5,72,247,TN,USA,married,some_college,professional,46972.73,0.78,full_paramedical,133,84,272,61,4.46,93,5.7,False,97.3,,True,False,False,True,False,none,,pre_diabetes,none,anxiety,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-396,2.5,universal_life,500000,monthly,6911.48,,10yr_declining,9512.34,,,False,none,independent_broker,False,False,False,0.022692,0.091097,SOA_2015_VBT,SOA_Scale_MP2023,2.748,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034039,0.012,False,,1.0,False,,,,0.04,0.043,False,normal_rate,4.49,2.76,False,False,False,False,False,0.799,42.5,22.5,standard_longevity,58.0,baseline,0.915,0.854,False,,False,,490487.66,51082.8,47112.53,55291.84,13131.81,False,0,2.07,-17.81
LI-2024-INS004-000878,2023-07-05,4,37,41,1986,male,never_smoker,32.6,72,240,LA,USA,married,some_college,white_collar,20000.0,0.9494,full_paramedical,150,91,210,60,3.5,93,4.7,False,84.5,3.2,False,False,True,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-316,2.0,term_life,250000,monthly,1738.06,20.0,none,,,,False,none,employer_group,False,False,False,0.002761,0.007209,SOA_2015_VBT,SOA_Scale_MP2023,2.044,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,False,,1.0,False,,,,0.07,0.079,False,normal_rate,1.55,1.22,False,False,False,False,False,0.792,61.3,55.0,super_preferred_longevity,100.0,baseline,0.788,0.954,False,,False,,250000.0,12620.67,12040.25,13904.48,3302.31,False,0,1.75,-9.25
LI-2024-INS004-000879,2006-04-03,11,68,79,1938,male,never_smoker,27.5,68,181,DE,USA,divorced,bachelors,heavy_blue_collar,32625.8,0.8095,non_med_guaranteed,159,91,170,67,2.54,102,,False,72.0,5.93,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,True,True,substandard_table_5,0.7,5.0,False,False,False,False,30,UW-224,2.25,annuity_deferred,1000000,annual,16656.62,,none,15748.9,,,True,quota_share,independent_broker,False,False,False,0.055511,0.183884,SOA_2015_VBT,SOA_Scale_MP2023,2.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.069389,0.005,False,,1.0,False,,,,0.01,0.0105,False,normal_rate,3.13,1.94,False,False,False,False,False,0.769,18.3,7.3,standard_longevity,35.6,baseline,0.893,0.715,False,,False,,984251.1,46510.34,41476.84,48637.33,48570.7,False,0,-0.13,-9.48
LI-2024-INS004-000880,2009-02-21,16,59,75,1950,female,current_smoker,39.4,68,259,FL,USA,single,bachelors,white_collar,274784.9,0.9055,full_paramedical,157,96,219,43,5.09,108,5.2,True,78.8,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-484,2.0,indexed_ul,500000,monthly,5711.19,,10yr_declining,6440.05,2189.62,0.34,False,none,employer_group,False,False,False,0.059876,0.159111,SOA_2015_VBT,SOA_Scale_MP2023,2.019,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.059876,0.012,False,,1.0,False,,,,0.04,0.0281,False,normal_rate,4.2,2.29,False,False,False,False,False,0.751,34.1,18.1,standard_longevity,53.2,baseline,0.821,0.812,False,,False,,493559.95,40710.89,41332.03,41349.02,11719.36,False,0,0.78,-4.47
LI-2024-INS004-000881,2022-09-03,2,71,73,1951,female,unknown,21.2,62,116,NJ,USA,married,bachelors,hazardous,143632.4,0.5868,full_paramedical,137,81,240,49,4.9,87,,False,57.8,,False,True,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,2.63,1.0,True,False,False,False,13,UW-394,1.25,term_life,1000000,monthly,6700.21,10.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.02926,0.054427,SOA_2015_VBT,SOA_Scale_MP2023,1.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007315,0.012,True,0.00568,1.0,False,,,,0.07,0.0861,False,normal_rate,5.51,1.98,False,False,False,False,False,0.818,21.0,19.0,standard_longevity,49.8,baseline,1.06,0.69,False,,False,,1000000.0,48192.56,46497.47,50921.6,13266.42,False,0,4.28,12.38
LI-2024-INS004-000882,2009-04-25,9,56,65,1953,male,former_smoker,20.4,64,118,VT,USA,married,bachelors,white_collar,32079.28,0.8064,full_paramedical,135,87,209,67,3.12,95,,False,60.9,2.26,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-435,1.25,term_life,1000000,annual,7338.96,20.0,none,,,,True,none,employer_group,False,False,False,0.021095,0.029766,SOA_2015_VBT,SOA_Scale_MP2023,1.297,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005274,0.012,False,,1.0,False,,,,0.05,0.0633,False,normal_rate,3.27,2.42,False,False,False,False,False,0.825,33.1,24.1,preferred_longevity,60.7,baseline,0.895,0.943,False,,False,,1000000.0,62456.98,60333.45,58711.68,13944.02,False,0,0.91,12.82
LI-2024-INS004-000883,2015-06-13,6,68,74,1947,female,never_smoker,31.5,69,213,IA,USA,married,bachelors,professional,73623.63,0.5299,accelerated_UW,148,85,274,59,4.64,83,5.8,False,,,False,True,False,False,True,lung,0.6,none,none,bipolar,6,True,False,False,False,True,declined,,,True,False,True,True,36,UW-310,7.0,whole_life,250000,annual,11444.02,,none,8722.7,,,False,none,bank,False,False,False,0.028454,0.413481,SOA_2015_VBT,SOA_Scale_MP2023,7.738,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.170722,0.008,False,,1.0,False,,,,0.02,0.0255,False,normal_rate,5.16,2.33,False,False,False,False,False,0.844,22.8,16.8,standard_longevity,45.6,baseline,1.103,0.502,False,,False,,241277.3,79507.99,75810.46,76903.81,24673.31,False,0,-5.0,-20.0
LI-2024-INS004-000884,2014-01-07,3,76,79,1938,male,former_smoker,23.6,76,193,ND,USA,married,some_college,white_collar,129037.61,0.8782,accelerated_UW,121,82,196,68,2.88,83,5.3,False,82.3,8.73,False,True,False,True,False,none,,none,none,substance_use_disorder,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,33,UW-205,2.5,indexed_ul,2000000,monthly,30823.23,,10yr_declining,21950.68,,,True,excess_of_loss,employer_group,False,False,False,0.072165,0.263194,SOA_2015_VBT,SOA_Scale_MP2023,2.552,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.108247,0.005,False,,1.0,False,,,,0.08,0.0431,False,normal_rate,4.78,0.75,False,False,False,False,False,0.764,10.6,7.6,standard_longevity,37.1,baseline,0.841,0.904,False,,False,,1978049.32,84340.16,80913.48,93702.62,89140.78,False,0,-1.21,-16.4
LI-2024-INS004-000885,2006-07-16,6,76,82,1930,female,unknown,34.5,59,170,SC,USA,divorced,high_school,light_blue_collar,90564.75,0.8552,full_paramedical,133,73,252,29,8.69,103,5.0,False,83.6,,True,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,35,UW-279,2.25,term_life,2000000,annual,33315.18,30.0,none,,,,True,excess_of_loss,independent_broker,True,False,False,0.063611,0.215891,SOA_2015_VBT,SOA_Scale_MP2023,2.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.079514,0.005,False,,1.0,False,,,,0.05,0.0508,False,normal_rate,4.87,2.97,False,False,False,False,True,0.844,13.3,7.3,standard_longevity,36.3,baseline,0.859,0.813,False,,False,,2000000.0,103259.93,90143.55,97280.33,97147.06,False,0,-2.84,-13.16
LI-2024-INS004-000886,2022-05-07,1,78,79,1944,female,never_smoker,24.4,62,133,TX,USA,single,some_college,professional,68996.85,0.5227,accelerated_UW,137,91,225,43,5.23,84,,False,,,True,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,37,UW-038,1.25,term_life,500000,monthly,4099.07,10.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.042953,0.082773,SOA_2015_VBT,SOA_Scale_MP2023,1.382,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010738,0.008,True,0.00626,1.0,False,,,,0.1,0.1795,False,normal_rate,3.07,2.14,False,False,False,False,False,0.935,12.3,11.3,standard_longevity,37.3,baseline,1.108,0.453,False,,False,,500000.0,19038.12,18261.02,18527.8,10641.18,False,0,1.3,15.45
LI-2024-INS004-000887,2017-11-12,6,47,53,1970,male,never_smoker,20.8,67,132,IA,USA,married,some_college,light_blue_collar,74578.77,0.7234,simplified_issue,114,68,213,67,3.18,82,5.5,False,90.3,3.85,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred_plus,,,False,False,False,False,30,UW-148,0.59,term_life,250000,semi_annual,602.64,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.006813,0.004344,SOA_2015_VBT,SOA_Scale_MP2023,0.666,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.2596,False,normal_rate,3.55,1.67,False,False,False,True,False,0.947,44.8,42.8,super_preferred_longevity,87.6,baseline,0.957,0.643,True,64.7,False,,250000.0,4933.03,4874.1,4821.12,1145.02,False,0,4.58,34.66
LI-2024-INS004-000888,2002-07-07,5,51,56,1951,male,never_smoker,32.9,64,191,SD,USA,single,high_school,heavy_blue_collar,21147.0,0.7143,non_med_guaranteed,136,75,204,55,3.71,88,4.8,False,,3.39,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,1.34,1.0,False,False,False,False,23,UW-007,1.25,whole_life,1000000,monthly,6238.65,,none,4884.34,,,True,none,independent_broker,False,True,False,0.007363,0.011844,SOA_2015_VBT,SOA_Scale_MP2023,1.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001841,0.012,False,,1.0,False,,,,0.04,0.0451,False,normal_rate,4.34,2.2,False,False,False,False,False,0.879,37.5,37.1,preferred_longevity,78.9,baseline,0.964,0.716,True,74.9,False,,995115.66,49362.42,49433.74,49909.2,11853.43,False,0,4.65,23.37
LI-2024-INS004-000889,2000-10-17,4,75,79,1925,female,former_smoker,26.7,71,191,NE,USA,divorced,graduate,white_collar,31176.98,0.3583,accelerated_UW,155,99,186,44,4.23,115,5.0,False,,,True,True,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,True,26,UW-426,1.0,term_life,250000,monthly,1587.86,30.0,none,,,,False,none,independent_broker,False,False,False,0.040782,0.052323,SOA_2015_VBT,SOA_Scale_MP2023,1.042,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0989,False,normal_rate,3.57,0.93,False,False,False,False,False,0.871,12.1,8.1,sub_standard_longevity,30.0,baseline,1.231,0.308,False,,False,,250000.0,5288.8,4878.5,5144.67,4528.58,False,0,0.06,15.02
LI-2024-INS004-000890,2024-04-22,3,71,74,1953,male,never_smoker,16.7,72,122,WA,USA,single,bachelors,professional,153495.53,0.2515,limited_exam,136,85,200,70,2.86,81,,False,87.8,2.77,False,True,False,True,False,none,,none,none,none,18,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,51,UW-485,2.5,term_life,1000000,annual,13945.3,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.035557,0.178858,SOA_2015_VBT,SOA_Scale_MP2023,2.692,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.053335,0.012,False,,1.0,False,,,,0.07,0.1469,False,normal_rate,2.07,1.4,False,False,False,False,False,0.951,15.9,12.9,standard_longevity,35.6,baseline,1.311,0.289,False,,False,,1000000.0,73813.44,64473.25,71957.75,34417.0,False,0,0.54,-20.0
LI-2024-INS004-000891,2016-05-03,3,43,46,1973,female,unknown,32.1,71,229,WY,USA,single,high_school,white_collar,50932.05,0.8713,full_paramedical,108,73,220,56,3.93,90,4.5,False,94.0,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,19,UW-032,0.96,universal_life,2000000,monthly,7416.28,,15yr_declining,4740.84,,,True,none,captive_agent,False,False,False,0.003628,0.002862,SOA_2015_VBT,SOA_Scale_MP2023,0.932,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0361,False,normal_rate,5.08,1.47,False,False,False,False,False,0.825,53.9,50.9,super_preferred_longevity,100.0,baseline,0.847,0.722,False,,False,,1995259.16,60721.35,53824.98,59330.24,14090.93,False,0,3.49,22.25
LI-2024-INS004-000892,2019-11-07,7,26,33,1993,female,current_smoker,32.3,66,200,RI,USA,married,bachelors,white_collar,66963.47,0.6678,full_paramedical,112,68,241,43,5.6,121,5.5,True,99.2,,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,13,UW-267,1.75,term_life,1000000,quarterly,4934.71,30.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.002716,0.007414,SOA_2015_VBT,SOA_Scale_MP2023,1.981,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002037,0.022,False,,1.0,False,,,,0.05,0.0583,False,normal_rate,3.31,2.36,False,False,False,False,False,0.85,70.0,55.0,super_preferred_longevity,100.0,baseline,0.999,0.498,False,,False,,1000000.0,42239.39,34575.0,39477.68,9375.95,False,0,2.29,-6.64
LI-2024-INS004-000893,2019-07-17,6,69,75,1950,female,never_smoker,32.3,67,206,NM,USA,married,some_college,professional,34992.73,0.6972,full_paramedical,159,91,243,43,5.65,110,5.7,False,,,True,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-213,1.5,whole_life,500000,annual,4748.84,,none,3646.61,,,False,none,independent_broker,False,False,False,0.029938,0.065839,SOA_2015_VBT,SOA_Scale_MP2023,1.739,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014969,0.012,False,,1.0,False,,,,0.02,0.0228,False,normal_rate,4.43,1.85,False,False,False,False,False,0.951,23.2,18.5,standard_longevity,50.7,baseline,0.977,0.82,True,56.7,False,,496353.39,32518.45,35676.34,35141.42,9592.66,False,0,0.84,18.88
LI-2024-INS004-000894,2017-09-04,1,42,43,1975,female,former_smoker,15.0,70,104,CT,USA,married,bachelors,professional,78741.02,0.6167,limited_exam,108,61,156,49,3.18,90,,False,81.0,,False,False,False,False,False,none,,none,none,none,0,False,False,True,True,True,declined,,,False,False,True,False,62,UW-121,7.0,annuity_deferred,500000,quarterly,11740.45,,none,6885.58,1232.52,0.179,False,none,worksite,True,False,False,0.003298,0.041477,SOA_2015_VBT,SOA_Scale_MP2023,6.339,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019788,0.018,False,,1.0,False,,,,0.06,0.0434,False,normal_rate,3.82,1.35,False,False,False,False,False,0.892,54.2,53.2,super_preferred_longevity,100.0,baseline,1.037,0.699,False,,False,,493114.42,93001.14,84933.44,93923.6,22306.86,False,0,-5.0,-20.0
LI-2024-INS004-000895,2008-01-17,7,18,25,1990,male,former_smoker,33.8,65,202,SD,USA,single,some_college,professional,188726.16,0.9782,full_paramedical,132,75,207,39,5.31,96,5.4,False,93.9,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-476,1.25,term_life,500000,monthly,1282.42,20.0,none,,,,True,none,bank,True,False,False,0.001538,0.001895,SOA_2015_VBT,SOA_Scale_MP2023,1.282,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000384,0.022,False,,1.0,False,,,,0.05,0.0459,False,normal_rate,3.12,1.78,True,False,False,False,False,0.993,70.0,55.3,super_preferred_longevity,100.0,baseline,0.766,0.958,True,35.3,False,,500000.0,10169.21,9035.99,10259.36,2436.6,False,0,2.83,14.56
LI-2024-INS004-000896,2016-12-16,3,58,61,1958,female,current_smoker,24.5,68,161,WI,USA,widowed,less_than_hs,professional,80025.64,0.8401,full_paramedical,115,78,207,41,5.05,70,,True,88.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,25,UW-035,1.75,annuity_deferred,5000000,annual,39192.31,,none,25604.41,,,True,quota_share,employer_group,False,False,False,0.019547,0.045897,SOA_2015_VBT,SOA_Scale_MP2023,1.837,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01466,0.012,False,,1.0,False,,,,0.04,0.0493,False,normal_rate,4.33,0.89,False,False,False,False,False,0.971,36.0,33.0,preferred_longevity,74.6,baseline,0.87,0.855,False,,False,,4974395.59,301395.22,277010.86,313538.48,74465.39,False,0,1.3,-0.77
LI-2024-INS004-000897,2006-09-19,21,67,88,1939,female,never_smoker,27.6,68,181,MA,USA,married,high_school,professional,20000.0,0.824,limited_exam,142,98,209,39,5.36,101,4.9,False,56.6,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-042,2.0,universal_life,100000,monthly,1402.87,,10yr_declining,2009.43,,,False,none,independent_broker,False,False,False,0.096445,0.268616,SOA_2015_VBT,SOA_Scale_MP2023,2.024,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.096445,0.005,False,,1.0,False,,,,0.04,0.0416,False,normal_rate,4.87,0.64,False,False,False,False,False,0.832,23.5,2.5,sub_standard_longevity,28.6,baseline,0.882,0.987,False,,False,,97990.57,1280.68,1323.75,1402.87,4629.47,False,0,-0.12,-11.16
LI-2024-INS004-000898,2021-03-21,2,20,22,2001,male,former_smoker,17.3,76,141,WA,USA,married,high_school,light_blue_collar,58518.16,0.4723,non_med_guaranteed,88,54,128,76,1.68,79,4.7,False,92.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,26,UW-277,0.99,indexed_ul,5000000,annual,9129.96,,10yr_declining,6399.18,3903.5,0.61,True,quota_share,bank,True,False,False,0.001388,0.006037,SOA_2015_VBT,SOA_Scale_MP2023,0.94,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00454,1.0,False,,,,0.08,0.0286,False,normal_rate,2.84,2.99,False,False,False,False,False,0.976,70.0,55.0,super_preferred_longevity,100.0,baseline,1.146,0.49,False,,False,,4993600.82,70558.9,76610.71,73039.68,17346.92,False,0,4.43,23.63
LI-2024-INS004-000899,2024-06-28,2,58,60,1966,female,current_smoker,23.6,66,146,RI,USA,married,less_than_hs,professional,541762.83,0.7314,full_paramedical,148,86,250,55,4.55,108,,True,102.8,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-293,2.0,universal_life,500000,monthly,5257.26,,10yr_declining,3534.0,,,False,none,independent_broker,False,False,False,0.019532,0.060938,SOA_2015_VBT,SOA_Scale_MP2023,2.228,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019532,0.015,False,,1.0,False,,,,0.08,0.0401,False,normal_rate,2.05,2.59,False,False,False,False,False,0.922,37.0,35.0,preferred_longevity,76.0,baseline,0.951,0.591,False,,False,,496466.0,45405.11,36206.63,42058.08,9988.79,False,0,-0.49,-0.59
LI-2024-INS004-000900,2006-06-15,18,26,44,1980,female,former_smoker,31.4,59,155,UT,USA,single,bachelors,heavy_blue_collar,66646.13,0.693,full_paramedical,137,88,190,36,5.28,95,4.6,False,,,False,False,False,False,False,none,,none,none,none,1,True,False,False,False,False,substandard_table_1,5.69,1.0,True,False,False,False,9,UW-398,1.25,indexed_ul,5000000,monthly,24912.58,,10yr_declining,30485.64,,,True,coinsurance,independent_broker,False,False,False,0.003542,0.005621,SOA_2015_VBT,SOA_Scale_MP2023,1.364,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000885,0.02,False,,1.0,False,,,,0.04,0.0458,False,normal_rate,4.46,2.85,False,False,False,False,False,0.875,70.0,52.0,super_preferred_longevity,100.0,baseline,0.98,0.698,False,,False,,4969514.36,194697.4,208698.12,199300.64,47333.9,False,0,5.26,17.86
LI-2024-INS004-000901,2016-03-22,5,43,48,1973,female,never_smoker,28.6,59,141,AR,USA,single,some_college,professional,298679.85,0.6678,full_paramedical,112,66,234,65,3.6,83,,False,91.5,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-169,2.0,universal_life,500000,quarterly,4337.45,,15yr_declining,3244.78,,,False,none,independent_broker,False,False,False,0.00367,0.01129,SOA_2015_VBT,SOA_Scale_MP2023,2.078,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00367,0.018,False,,1.0,False,,,,0.08,0.042,False,normal_rate,4.76,2.11,False,False,False,False,False,0.881,53.1,48.1,super_preferred_longevity,94.7,baseline,0.999,0.76,False,,False,,496755.22,33168.72,30731.11,34699.6,8241.15,False,0,-1.07,-5.65
LI-2024-INS004-000902,2003-11-07,21,33,54,1970,male,never_smoker,36.6,74,285,NJ,USA,married,high_school,heavy_blue_collar,44719.62,0.7485,full_paramedical,105,66,251,34,7.38,128,8.8,False,,1.29,True,False,False,False,False,none,,type_2,none,depression,1,False,False,False,False,True,substandard_table_5,0.66,5.0,False,False,False,False,28,UW-351,2.25,whole_life,1000000,monthly,10119.48,,none,14781.02,,,True,facultative,independent_broker,False,False,False,0.007392,0.025025,SOA_2015_VBT,SOA_Scale_MP2023,2.275,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00924,0.018,False,,1.0,False,,,,0.015,0.0165,False,normal_rate,3.83,2.08,False,False,False,False,False,0.829,58.9,37.9,super_preferred_longevity,80.6,baseline,0.939,0.742,False,,False,,985218.98,79063.08,84478.74,80955.84,19227.01,False,0,-1.4,-10.44
LI-2024-INS004-000903,2021-01-18,2,36,38,1985,male,never_smoker,20.1,70,140,CA,USA,divorced,some_college,professional,85640.11,0.3937,full_paramedical,134,75,175,65,2.69,97,5.2,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,17,UW-217,0.84,whole_life,500000,annual,1482.74,,none,1017.13,,,False,none,captive_agent,False,False,False,0.00227,0.007903,SOA_2015_VBT,SOA_Scale_MP2023,0.847,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00559,1.0,False,,,,0.04,0.0554,False,normal_rate,2.61,2.22,False,False,False,False,False,0.832,56.9,53.6,super_preferred_longevity,98.8,baseline,1.205,0.414,True,25.4,False,,498982.87,12490.42,12429.04,11861.92,2817.21,False,0,2.39,29.98
LI-2024-INS004-000904,2022-03-07,3,29,32,1993,female,never_smoker,24.2,69,164,MN,USA,married,some_college,professional,51001.23,0.9513,full_paramedical,112,63,186,43,4.33,79,4.2,False,73.2,,False,False,False,False,False,none,,none,none,anxiety,2,False,True,False,False,False,preferred_plus,,,False,False,False,False,4,UW-493,0.62,term_life,1000000,monthly,1613.17,30.0,none,,,,True,none,bank,False,False,False,0.001289,0.003234,SOA_2015_VBT,SOA_Scale_MP2023,0.662,other,True,2024-04-14,False,False,1289115.4,0.0007,5e-05,1.095,0.0,0.022,True,0.00256,1.0,False,,,,0.07,0.0657,False,normal_rate,1.1,1.51,False,False,False,False,False,0.774,70.0,55.0,super_preferred_longevity,100.0,baseline,0.787,0.961,False,,False,,1000000.0,13709.44,11823.31,12905.36,3065.02,False,0,6.78,31.81
LI-2024-INS004-000905,2023-12-03,2,35,37,1988,female,former_smoker,30.2,59,149,TN,USA,single,some_college,white_collar,53111.64,0.239,non_med_guaranteed,124,77,195,56,3.48,114,5.1,False,,,True,False,True,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-132,1.25,term_life,500000,monthly,1864.91,25.0,none,,,,False,none,employer_group,False,False,False,0.00222,0.004565,SOA_2015_VBT,SOA_Scale_MP2023,1.368,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000555,0.02,False,,1.0,False,,,,0.07,0.1774,False,normal_rate,5.3,0.51,False,False,False,False,False,0.817,64.8,55.0,super_preferred_longevity,100.0,baseline,1.321,0.251,False,,False,,500000.0,15950.63,13174.11,14919.28,3543.33,False,0,2.16,13.33
LI-2024-INS004-000906,2016-08-02,6,66,72,1950,male,former_smoker,18.7,67,119,MS,USA,widowed,some_college,professional,28571.6,0.6613,limited_exam,118,80,202,61,3.31,82,5.3,False,80.5,7.14,False,False,False,True,False,none,,none,none,depression,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,34,UW-423,2.5,indexed_ul,250000,quarterly,3806.6,,15yr_declining,2760.16,,,False,none,bank,False,False,False,0.03743,0.156825,SOA_2015_VBT,SOA_Scale_MP2023,2.679,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.056146,0.012,False,,1.0,False,,,,0.06,0.0316,False,normal_rate,3.5,2.77,True,False,False,False,False,0.945,22.1,16.1,standard_longevity,46.6,baseline,1.004,0.405,False,,False,,247239.84,25394.12,22757.68,24514.5,8420.2,False,0,1.33,-20.0
LI-2024-INS004-000907,2016-10-25,11,57,68,1959,female,never_smoker,16.8,64,97,MT,USA,divorced,some_college,white_collar,39164.88,0.5323,simplified_issue,121,69,183,51,3.59,60,5.3,False,87.2,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred_plus,,,False,False,False,False,17,UW-433,0.68,term_life,1000000,annual,4412.31,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.018111,0.011982,SOA_2015_VBT,SOA_Scale_MP2023,0.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0382,False,normal_rate,3.55,2.93,False,True,False,False,False,0.786,35.9,24.9,standard_longevity,57.8,baseline,1.101,0.702,False,,False,,1000000.0,38333.39,32107.12,35298.48,8383.39,False,0,1.78,27.33
LI-2024-INS004-000908,2023-10-05,3,28,31,1995,male,never_smoker,17.7,64,102,AR,USA,single,high_school,light_blue_collar,164626.68,0.7667,non_med_guaranteed,117,79,191,50,3.82,108,,False,89.8,,False,False,False,False,False,none,,none,none,depression,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-499,1.25,term_life,1000000,quarterly,3172.09,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.001532,0.002211,SOA_2015_VBT,SOA_Scale_MP2023,1.29,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000383,0.022,False,,1.0,False,,,,0.07,0.0761,False,normal_rate,4.12,2.75,False,False,False,False,False,0.804,68.1,55.0,super_preferred_longevity,100.0,baseline,0.925,0.699,False,,False,,1000000.0,25165.44,26310.28,25376.72,6026.97,False,0,3.8,10.77
LI-2024-INS004-000909,2002-05-01,7,53,60,1949,male,never_smoker,35.9,61,189,KS,USA,married,high_school,white_collar,60411.48,0.727,full_paramedical,119,79,253,50,5.06,101,5.4,False,90.7,7.94,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,54,UW-101,2.25,whole_life,1000000,annual,11959.52,,none,9628.74,4294.42,0.446,True,excess_of_loss,worksite,False,False,False,0.010736,0.037875,SOA_2015_VBT,SOA_Scale_MP2023,2.386,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013419,0.008,False,,1.0,False,,,,0.02,0.0134,False,normal_rate,3.87,0.71,False,False,False,False,False,0.846,34.9,26.8,preferred_longevity,63.6,baseline,0.955,0.694,True,19.4,False,,990371.26,92573.41,100352.65,95676.16,22723.09,False,0,0.59,-2.73
LI-2024-INS004-000910,2015-11-01,10,67,77,1948,female,never_smoker,35.3,71,253,WA,USA,married,graduate,heavy_blue_collar,27853.14,0.9071,limited_exam,141,101,240,50,4.8,77,5.3,False,71.7,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,1.14,4.0,False,False,False,False,16,UW-466,2.0,term_life,2000000,monthly,23629.38,20.0,none,,,,True,none,captive_agent,False,False,False,0.03727,0.098643,SOA_2015_VBT,SOA_Scale_MP2023,2.009,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03727,0.008,False,,1.0,False,,,,0.05,0.0487,False,normal_rate,2.98,2.82,False,False,False,False,False,0.77,25.5,15.5,standard_longevity,49.4,baseline,0.82,0.774,False,,False,,2000000.0,148919.75,147608.66,146502.16,53402.4,False,0,-1.08,-8.61
LI-2024-INS004-000911,2019-01-11,1,33,34,1986,female,current_smoker,30.6,63,172,MS,USA,married,high_school,white_collar,195152.7,0.4136,full_paramedical,131,72,198,55,3.6,60,5.7,True,,,False,True,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-258,1.5,indexed_ul,500000,quarterly,2115.31,,10yr_declining,1296.66,,,False,none,independent_broker,True,False,False,0.002868,0.007068,SOA_2015_VBT,SOA_Scale_MP2023,1.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001434,0.02,False,,1.0,False,,,,0.11,0.0678,False,normal_rate,4.36,1.89,False,False,False,False,False,0.915,67.2,55.0,super_preferred_longevity,100.0,baseline,1.19,0.203,False,,False,,498703.34,18088.24,17310.07,16922.48,4019.09,False,0,6.76,-1.49
LI-2024-INS004-000912,2023-03-11,2,70,72,1953,female,never_smoker,28.8,70,200,VA,USA,married,bachelors,light_blue_collar,33196.6,0.6649,full_paramedical,142,83,188,62,3.03,106,5.6,False,74.0,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-424,2.25,term_life,100000,quarterly,1322.81,20.0,none,,,,False,none,captive_agent,False,False,False,0.023884,0.087538,SOA_2015_VBT,SOA_Scale_MP2023,2.412,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029855,0.012,False,,1.0,False,,,,0.07,0.0818,False,normal_rate,3.21,1.0,False,False,False,False,False,0.852,22.6,20.6,standard_longevity,53.4,baseline,1.001,0.758,False,,False,,100000.0,11074.57,9291.91,10582.48,2513.34,False,0,2.91,-9.96
LI-2024-INS004-000913,2002-05-08,2,37,39,1965,female,former_smoker,23.5,71,168,IN,USA,married,some_college,light_blue_collar,31435.05,0.8801,limited_exam,141,89,215,65,3.31,73,5.1,False,119.6,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-383,1.25,annuity_immediate,250000,monthly,983.81,,none,,,,False,none,independent_broker,False,False,False,0.002516,0.003655,SOA_2015_VBT,SOA_Scale_MP2023,1.432,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000629,0.015,False,,1.0,False,,,,0.005,0.005,False,normal_rate,3.41,2.13,False,False,False,False,False,0.867,58.5,60.6,super_preferred_longevity,100.0,baseline,0.84,1.0,True,64.1,False,,250000.0,8557.52,7056.29,7870.48,1869.24,False,0,4.55,10.64
LI-2024-INS004-000914,2021-12-01,5,47,52,1974,male,never_smoker,30.5,62,166,CT,USA,single,graduate,light_blue_collar,49793.4,0.4224,full_paramedical,140,78,268,59,4.54,96,4.9,True,97.3,2.94,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-371,1.25,term_life,250000,monthly,1197.84,15.0,none,,,,False,none,worksite,False,False,False,0.012568,0.027403,SOA_2015_VBT,SOA_Scale_MP2023,1.264,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003142,0.018,True,0.00546,1.0,True,2026-01-01,unknown,5.0,0.07,0.0953,False,normal_rate,4.73,0.71,False,False,False,False,False,0.843,44.2,39.2,preferred_longevity,77.6,baseline,1.183,0.332,False,,False,,250000.0,8768.27,9679.92,9582.72,2275.9,False,0,1.61,14.86
LI-2024-INS004-000915,2000-04-03,24,41,65,1959,female,never_smoker,22.8,63,128,NE,USA,single,some_college,professional,91646.39,0.7779,full_paramedical,133,81,211,54,3.91,98,5.1,False,84.3,,True,False,False,False,False,none,,none,none,bipolar,5,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-399,2.0,term_life,500000,annual,5202.53,15.0,none,,,,False,none,employer_group,False,False,False,0.013956,0.04004,SOA_2015_VBT,SOA_Scale_MP2023,2.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013956,0.012,False,,1.0,False,,,,0.03,0.0388,False,normal_rate,6.28,1.42,False,False,False,False,False,0.908,52.9,28.9,preferred_longevity,67.5,baseline,0.917,0.747,False,,False,,500000.0,40969.81,38087.65,41620.24,9884.81,False,0,1.51,-2.69
LI-2024-INS004-000916,2022-08-06,3,78,81,1944,male,never_smoker,21.6,61,114,NY,USA,divorced,high_school,white_collar,116611.66,0.4805,non_med_guaranteed,131,84,224,53,4.23,84,,False,,7.84,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-163,2.0,universal_life,250000,annual,3144.22,,15yr_declining,2087.59,,,False,none,bank,False,False,False,0.063854,0.226035,SOA_2015_VBT,SOA_Scale_MP2023,2.169,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.063854,0.008,True,0.00434,1.0,False,,,,0.08,0.0474,False,normal_rate,3.72,0.75,False,False,False,False,False,0.779,8.2,7.1,sub_standard_longevity,30.4,baseline,1.14,0.472,False,,True,1.282,247912.41,9099.39,8809.94,8929.58,9218.85,False,0,-0.85,1.16
LI-2024-INS004-000917,2023-10-15,1,78,79,1945,non_binary,never_smoker,26.7,65,160,NH,USA,divorced,some_college,white_collar,38892.23,0.508,full_paramedical,133,83,181,39,4.64,120,,False,63.0,,False,False,True,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-222,2.0,universal_life,2000000,monthly,29121.4,,10yr_declining,18088.16,,,True,none,bank,False,False,False,0.048712,0.164979,SOA_2015_VBT,SOA_Scale_MP2023,2.133,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048712,0.008,False,,1.0,False,,,,0.12,0.0699,False,normal_rate,2.37,2.55,False,False,False,False,False,0.864,11.4,10.4,standard_longevity,45.7,baseline,1.119,0.433,False,,False,,1981911.84,121548.55,119042.47,121145.02,77695.9,False,0,1.17,-5.45
LI-2024-INS004-000918,2016-02-01,1,49,50,1967,female,former_smoker,30.5,62,166,NC,USA,married,high_school,hazardous,70690.53,0.7636,simplified_issue,133,73,229,37,6.19,114,,False,79.8,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,3.47,2.0,True,False,False,False,5,UW-229,1.5,indexed_ul,2000000,monthly,12922.67,,10yr_declining,7787.85,,,True,facultative,employer_group,False,False,False,0.005574,0.010752,SOA_2015_VBT,SOA_Scale_MP2023,1.541,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002787,0.015,False,,1.0,False,,,,0.11,0.0647,False,normal_rate,4.13,1.56,False,False,False,False,False,0.757,46.3,45.3,super_preferred_longevity,91.9,baseline,0.927,0.682,False,,False,,1992212.15,93077.25,92823.41,103381.36,24553.07,False,0,-0.39,5.17
LI-2024-INS004-000919,2018-03-22,8,59,67,1959,male,never_smoker,27.7,73,210,ND,USA,married,graduate,professional,32268.97,0.6758,full_paramedical,134,85,232,64,3.62,85,,False,58.6,4.48,True,False,False,False,True,colorectal,4.1,none,none,schizophrenia,2,False,True,False,False,True,substandard_table_5,,5.0,False,False,False,False,33,UW-028,2.25,whole_life,100000,annual,1311.79,,none,1160.64,,,False,none,independent_broker,False,False,False,0.020752,0.076598,SOA_2015_VBT,SOA_Scale_MP2023,2.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02594,0.012,False,,1.0,False,,,,0.02,0.0232,False,normal_rate,5.25,1.24,False,False,False,False,False,0.854,30.5,22.5,standard_longevity,56.4,baseline,0.993,0.892,False,,False,,98839.36,11216.8,9468.5,10494.32,2492.4,False,0,2.1,-11.59
LI-2024-INS004-000920,2012-01-12,12,18,30,1994,male,never_smoker,25.0,61,132,CO,USA,married,bachelors,white_collar,121338.55,0.9438,full_paramedical,134,93,152,65,2.34,103,4.6,False,90.3,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-393,2.25,whole_life,500000,monthly,2730.79,,none,2569.64,,,False,none,independent_broker,False,False,False,0.00146,0.004628,SOA_2015_VBT,SOA_Scale_MP2023,2.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,False,,1.0,False,,,,0.015,0.0142,False,normal_rate,2.8,2.55,False,False,False,False,False,0.885,70.0,55.0,super_preferred_longevity,100.0,baseline,0.792,0.938,False,,False,,497430.36,22374.1,18798.48,21846.32,5188.5,False,0,-0.01,-10.07
LI-2024-INS004-000921,2017-07-02,4,76,80,1941,female,never_smoker,29.0,64,168,OK,USA,married,graduate,white_collar,116973.94,0.5111,full_paramedical,137,84,258,61,4.23,116,5.0,False,63.3,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-030,1.25,whole_life,100000,annual,918.35,,none,653.08,,,True,none,direct_to_consumer,True,False,False,0.045732,0.081906,SOA_2015_VBT,SOA_Scale_MP2023,1.38,cardiovascular,True,2018-05-10,True,False,1338673.6,0.0007,5e-05,1.095,0.011433,0.008,False,,1.0,False,,,,0.04,0.2205,False,normal_rate,6.18,1.72,False,False,False,True,False,0.875,13.8,9.8,sub_standard_longevity,34.9,baseline,1.117,0.476,False,,False,,99346.92,3526.91,3464.94,3599.93,2494.24,False,0,3.32,10.33
LI-2024-INS004-000922,2012-05-10,15,35,50,1977,female,never_smoker,37.5,70,261,WV,USA,married,graduate,white_collar,20000.0,0.341,accelerated_UW,127,79,263,39,6.74,122,5.7,False,67.7,,False,False,False,False,False,none,,pre_diabetes,none,substance_use_disorder,2,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,42,UW-436,2.25,universal_life,500000,annual,4496.97,,10yr_declining,5223.28,,,False,none,employer_group,False,False,False,0.004288,0.017603,SOA_2015_VBT,SOA_Scale_MP2023,2.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.018,False,,1.0,False,,,,0.04,0.0685,False,normal_rate,2.92,2.62,False,False,False,False,False,0.761,60.4,45.4,super_preferred_longevity,85.7,baseline,1.244,0.391,False,,False,,494776.72,36741.97,31035.5,35975.76,8544.24,False,0,0.12,-12.72
LI-2024-INS004-000923,2007-09-10,15,53,68,1954,male,former_smoker,32.7,69,221,IA,USA,married,bachelors,white_collar,36465.35,0.3998,non_med_guaranteed,128,72,236,65,3.63,124,4.8,False,95.2,7.23,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,standard,,,False,False,False,False,3,UW-082,1.02,term_life,500000,monthly,2944.1,20.0,none,,,,False,none,independent_broker,False,False,False,0.027706,0.035701,SOA_2015_VBT,SOA_Scale_MP2023,1.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000554,0.012,False,,1.0,False,,,,0.03,0.0414,False,normal_rate,2.24,2.94,False,False,False,False,False,0.983,34.7,19.7,standard_longevity,48.0,baseline,1.2,0.513,False,,False,,500000.0,24290.58,23527.12,23199.51,5664.45,False,0,3.85,21.34
LI-2024-INS004-000924,2013-01-03,7,19,26,1994,female,never_smoker,19.7,63,110,SC,USA,married,bachelors,white_collar,248632.08,0.6614,full_paramedical,107,57,216,42,5.14,82,5.3,False,,,False,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-282,1.25,term_life,500000,semi_annual,1461.14,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.000983,0.001649,SOA_2015_VBT,SOA_Scale_MP2023,1.422,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000246,0.022,False,,1.0,False,,,,0.05,0.082,False,normal_rate,2.29,1.83,False,False,False,False,False,0.889,70.0,55.0,super_preferred_longevity,100.0,baseline,1.004,0.681,False,,False,,500000.0,12830.48,10364.29,11689.12,2776.17,False,0,6.31,10.19
LI-2024-INS004-000925,2007-02-12,7,60,67,1947,male,never_smoker,22.9,63,129,ME,USA,married,bachelors,light_blue_collar,41107.3,0.6851,limited_exam,128,81,197,32,6.16,109,5.3,False,79.8,3.46,False,False,True,True,False,none,,none,none,anxiety,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-386,2.5,term_life,250000,annual,3577.87,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.019307,0.080104,SOA_2015_VBT,SOA_Scale_MP2023,2.686,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028961,0.008,False,,1.0,False,,,,0.05,0.0806,False,normal_rate,2.97,2.79,False,False,False,False,False,0.913,30.4,25.4,preferred_longevity,70.9,baseline,0.986,0.691,True,59.8,False,,250000.0,27796.02,28183.98,28622.96,6797.95,False,0,0.99,-19.27
LI-2024-INS004-000926,2001-08-17,15,45,60,1956,male,never_smoker,33.3,60,170,MA,USA,single,bachelors,professional,58820.15,0.7607,full_paramedical,142,97,169,55,3.07,109,4.8,False,83.0,5.64,True,True,False,False,True,prostate,9.5,none,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,False,24,UW-316,1.0,term_life,500000,monthly,2358.18,10.0,none,,,,False,none,worksite,False,False,False,0.010951,0.010616,SOA_2015_VBT,SOA_Scale_MP2023,1.043,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0327,False,normal_rate,2.51,1.36,False,False,False,False,False,0.941,44.4,29.4,preferred_longevity,68.0,baseline,0.929,0.654,False,,False,,500000.0,18848.29,16801.43,18865.44,4480.54,False,0,4.1,19.52
LI-2024-INS004-000927,2002-05-28,13,76,89,1926,male,never_smoker,23.1,68,152,RI,USA,married,less_than_hs,light_blue_collar,29633.99,0.4808,full_paramedical,149,87,172,50,3.44,108,5.5,False,,7.46,False,False,False,True,False,none,,none,none,anxiety,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,43,UW-246,2.5,term_life,250000,monthly,4402.38,15.0,none,,,,False,none,captive_agent,False,False,False,0.093238,0.431047,SOA_2015_VBT,SOA_Scale_MP2023,2.741,respiratory,True,2008-07-08,False,False,254480.82,0.0007,5e-05,1.095,0.139857,0.012,False,,1.0,False,,,,0.03,0.0395,False,normal_rate,3.03,2.55,False,False,False,False,False,0.844,7.8,1.0,sub_standard_longevity,21.2,baseline,1.139,0.319,False,,False,,250000.0,1785.63,1818.39,1760.95,15056.14,False,0,-0.0,-18.68
LI-2024-INS004-000928,2011-07-06,12,47,59,1964,female,never_smoker,24.0,71,172,IA,USA,married,bachelors,professional,64216.86,0.7464,full_paramedical,146,85,215,48,4.48,90,5.4,False,64.1,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-254,2.0,indexed_ul,500000,monthly,5488.87,,15yr_declining,5377.1,,,False,none,bank,True,False,False,0.008837,0.026144,SOA_2015_VBT,SOA_Scale_MP2023,2.083,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008837,0.015,False,,1.0,False,,,,0.04,0.0199,False,normal_rate,3.49,2.59,False,False,False,False,False,0.88,47.8,35.8,preferred_longevity,77.4,baseline,0.94,0.922,False,,False,,494622.9,45866.7,44931.01,43910.96,10428.85,False,0,1.59,-0.86
LI-2024-INS004-000929,2002-06-25,17,62,79,1940,male,current_smoker,25.1,68,165,FL,USA,divorced,bachelors,professional,20720.91,0.5151,accelerated_UW,124,74,243,54,4.5,98,4.9,True,68.0,3.33,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,True,41,UW-360,1.5,universal_life,1000000,quarterly,10554.78,,10yr_declining,12707.47,,,True,none,captive_agent,False,False,False,0.103987,0.237982,SOA_2015_VBT,SOA_Scale_MP2023,1.606,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051994,0.008,False,,1.0,False,,,,0.04,0.0515,False,normal_rate,2.03,2.51,False,False,False,False,False,0.835,23.7,6.7,sub_standard_longevity,30.3,baseline,1.114,0.453,False,,False,,987292.53,29882.46,27081.89,28286.81,31284.37,False,0,0.73,9.0
LI-2024-INS004-000930,2013-02-27,7,74,81,1939,male,current_smoker,17.8,66,110,NM,USA,divorced,high_school,white_collar,20000.0,0.2799,full_paramedical,137,85,206,68,3.03,89,5.8,True,76.9,4.8,False,False,False,True,True,melanoma,7.1,none,none,none,1,False,False,False,False,True,declined,,,False,False,True,False,46,UW-371,7.0,whole_life,1000000,monthly,47349.29,,none,39684.69,,,True,quota_share,worksite,False,False,False,0.132701,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.235,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.02,0.0295,False,normal_rate,2.9,2.13,False,False,False,False,False,0.861,10.4,3.4,sub_standard_longevity,21.8,baseline,1.29,0.239,False,,False,,960315.31,63826.36,59789.79,64395.03,152843.51,False,0,-5.0,-20.0
LI-2024-INS004-000931,2020-05-17,5,60,65,1960,male,never_smoker,27.0,70,187,MS,USA,married,high_school,white_collar,75784.94,0.4609,accelerated_UW,123,71,215,72,2.99,115,,False,,1.61,False,False,False,False,True,melanoma,5.0,none,none,depression,3,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,True,26,UW-449,1.5,term_life,5000000,quarterly,46198.99,30.0,none,,,,True,facultative,independent_broker,False,False,False,0.017391,0.04706,SOA_2015_VBT,SOA_Scale_MP2023,1.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008695,0.015,True,0.00446,1.0,False,,,,0.07,0.0932,False,normal_rate,1.48,0.57,False,False,False,False,False,0.774,29.0,24.0,standard_longevity,55.4,baseline,1.154,0.534,False,,False,,5000000.0,393741.63,322799.3,369591.92,87778.08,False,0,3.4,9.44
LI-2024-INS004-000932,2012-05-11,9,33,42,1979,male,never_smoker,20.1,69,135,MA,USA,widowed,graduate,professional,73321.33,0.6427,full_paramedical,123,72,173,55,3.15,88,5.6,False,,0.67,True,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred_plus,,,False,False,False,False,42,UW-022,0.64,term_life,1000000,quarterly,2167.85,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.002957,0.002041,SOA_2015_VBT,SOA_Scale_MP2023,0.678,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0593,False,normal_rate,1.09,1.04,False,False,False,False,False,0.878,59.9,50.9,super_preferred_longevity,98.5,baseline,1.018,0.588,False,,False,,1000000.0,16982.25,16374.48,17342.8,4118.91,False,0,4.75,34.18
LI-2024-INS004-000933,2021-04-14,4,50,54,1971,male,never_smoker,20.9,69,141,MD,USA,married,graduate,hazardous,135092.92,0.7433,full_paramedical,147,96,220,47,4.68,95,5.3,False,,1.57,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_2,2.85,2.0,True,False,False,False,12,UW-076,1.5,universal_life,2000000,annual,14604.68,,10yr_declining,9894.05,,,True,none,bank,False,False,False,0.007392,0.021421,SOA_2015_VBT,SOA_Scale_MP2023,1.748,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003696,0.018,True,0.00555,1.0,False,,,,0.08,0.0398,False,normal_rate,6.01,2.75,False,False,False,False,False,0.983,42.1,43.8,super_preferred_longevity,89.3,baseline,0.943,0.708,True,76.6,False,,1990105.95,125596.8,101517.7,116837.44,27748.89,False,0,2.14,7.48
LI-2024-INS004-000934,2006-09-05,19,64,83,1942,female,never_smoker,31.9,70,222,RI,USA,divorced,graduate,heavy_blue_collar,31078.59,0.603,accelerated_UW,146,101,217,49,4.43,73,,False,71.5,,False,False,False,False,False,none,,none,none,bipolar,14,False,False,False,False,False,substandard_table_4,0.89,4.0,False,False,False,True,10,UW-020,2.0,term_life,2000000,semi_annual,30791.79,10.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.059727,0.185448,SOA_2015_VBT,SOA_Scale_MP2023,2.009,respiratory,True,2024-09-16,False,False,1451445.42,0.0007,5e-05,1.095,0.059727,0.008,False,,1.0,False,,,,0.03,0.0365,False,normal_rate,4.02,1.1,True,False,False,False,False,0.978,26.4,7.4,sub_standard_longevity,32.6,baseline,1.048,0.67,False,,False,,2000000.0,95434.15,79435.8,91143.7,89542.52,False,0,2.59,-6.95
LI-2024-INS004-000935,2011-05-19,5,39,44,1972,female,former_smoker,26.4,65,158,CT,USA,married,bachelors,white_collar,102415.58,0.5882,full_paramedical,125,71,185,57,3.25,131,5.1,False,93.5,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-325,2.25,term_life,500000,monthly,4740.21,30.0,none,,,,False,none,independent_broker,False,False,False,0.003542,0.013402,SOA_2015_VBT,SOA_Scale_MP2023,2.393,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004427,0.018,False,,1.0,False,,,,0.07,0.0861,False,normal_rate,2.83,2.56,False,False,False,False,False,0.908,56.6,56.2,super_preferred_longevity,100.0,baseline,1.059,0.446,True,60.7,False,,500000.0,35723.83,34504.06,37921.68,9006.4,False,0,0.68,-9.5
LI-2024-INS004-000936,2006-11-09,20,75,95,1931,female,never_smoker,27.7,58,132,NE,USA,single,high_school,heavy_blue_collar,138091.04,0.6211,full_paramedical,138,91,227,36,6.31,98,,False,,,False,False,False,False,True,breast,3.7,none,none,bipolar,2,False,False,False,False,True,substandard_table_4,1.19,4.0,False,False,False,False,22,UW-306,2.0,whole_life,250000,monthly,3734.95,,none,5196.0,,,False,none,captive_agent,False,False,False,0.163856,0.543777,SOA_2015_VBT,SOA_Scale_MP2023,2.242,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.163856,0.005,False,,1.0,False,,,,0.015,0.018,False,normal_rate,4.19,2.41,False,False,False,True,False,0.891,13.5,1.0,sub_standard_longevity,23.3,baseline,1.034,0.593,False,,False,,244804.0,1374.38,1542.28,1493.98,12773.53,False,0,0.92,-2.44
LI-2024-INS004-000937,2011-04-19,1,24,25,1987,male,never_smoker,24.7,62,134,WY,USA,married,some_college,light_blue_collar,76081.23,0.5308,limited_exam,132,88,217,62,3.5,110,,False,106.0,,False,False,True,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-406,2.0,whole_life,1000000,annual,4304.36,,none,2576.73,,,True,facultative,independent_broker,False,False,False,0.001183,0.003981,SOA_2015_VBT,SOA_Scale_MP2023,2.147,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001183,0.02,False,,1.0,False,,,,0.06,0.0765,False,normal_rate,3.95,0.61,False,False,False,False,False,0.888,70.0,55.0,super_preferred_longevity,100.0,baseline,1.102,0.509,False,,False,,997423.27,32047.88,31805.58,34434.88,8178.28,False,0,1.45,-6.78
LI-2024-INS004-000938,2017-07-19,5,59,64,1958,female,never_smoker,25.1,58,120,ND,USA,married,bachelors,white_collar,220910.09,0.6396,non_med_guaranteed,117,67,170,50,3.4,96,5.0,False,71.5,,True,True,True,False,False,none,,none,none,none,5,False,False,False,True,True,preferred,,,False,False,False,False,44,UW-350,0.8,term_life,250000,monthly,924.18,30.0,none,,,,False,none,independent_broker,False,False,False,0.012647,0.00982,SOA_2015_VBT,SOA_Scale_MP2023,0.761,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0832,False,normal_rate,3.67,1.31,False,False,False,False,False,0.923,37.2,32.2,super_preferred_longevity,80.4,baseline,1.02,0.672,False,,False,,250000.0,7634.71,7343.92,7393.44,1755.94,False,0,5.35,21.17
LI-2024-INS004-000939,2023-10-18,1,46,47,1977,male,former_smoker,32.4,66,200,DE,USA,married,bachelors,light_blue_collar,25118.35,0.8366,non_med_guaranteed,125,80,204,57,3.58,117,7.1,False,84.5,1.43,False,False,False,False,False,none,,type_2,none,depression,1,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,41,UW-068,1.5,term_life,1000000,semi_annual,6284.69,20.0,none,,,,True,none,bank,False,False,False,0.005526,0.010811,SOA_2015_VBT,SOA_Scale_MP2023,1.669,cardiovascular,True,2023-11-20,True,True,94390.74,0.0007,5e-05,1.095,0.002763,0.018,False,,1.0,False,,,,0.1,0.1031,False,normal_rate,3.95,1.45,False,False,False,False,False,0.932,47.3,46.3,super_preferred_longevity,94.5,baseline,0.873,0.793,False,,False,,1000000.0,47720.78,44962.16,50277.52,11940.91,False,0,1.72,18.13
LI-2024-INS004-000940,2006-07-17,4,37,41,1969,male,never_smoker,25.7,72,189,ID,USA,divorced,less_than_hs,heavy_blue_collar,51344.66,0.5599,accelerated_UW,113,63,190,46,4.13,94,5.7,False,87.7,1.33,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,preferred_plus,0.94,,False,False,False,True,18,UW-095,0.57,whole_life,2000000,annual,3502.49,,none,2334.81,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.002761,0.001953,SOA_2015_VBT,SOA_Scale_MP2023,0.655,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0701,False,normal_rate,5.63,2.37,False,False,False,False,False,0.842,53.8,54.9,super_preferred_longevity,100.0,baseline,1.08,0.639,True,64.5,False,,1997665.19,27220.17,29278.95,28019.92,6654.73,False,0,7.0,29.96
LI-2024-INS004-000941,2019-07-09,6,33,39,1986,male,never_smoker,31.1,66,192,MD,USA,single,bachelors,professional,270031.15,0.9548,full_paramedical,118,70,234,43,5.44,117,4.9,False,87.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-017,1.25,term_life,500000,monthly,2195.8,20.0,none,,,,False,none,worksite,False,False,False,0.002419,0.003317,SOA_2015_VBT,SOA_Scale_MP2023,1.43,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000605,0.02,False,,1.0,False,,,,0.05,0.0468,False,normal_rate,2.01,0.65,False,False,False,False,False,0.766,62.3,55.0,super_preferred_longevity,100.0,baseline,0.784,0.987,False,,False,,500000.0,15863.19,15328.87,17566.4,4172.02,False,0,0.38,11.4
LI-2024-INS004-000942,2013-05-27,3,37,40,1976,male,never_smoker,30.2,75,241,UT,USA,single,bachelors,white_collar,147040.64,0.7228,full_paramedical,153,89,211,50,4.22,107,,False,93.1,0.62,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,42,UW-207,2.25,universal_life,500000,annual,4082.16,,10yr_declining,2898.3,,,False,none,captive_agent,False,False,False,0.002583,0.009393,SOA_2015_VBT,SOA_Scale_MP2023,2.492,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003228,0.018,False,,1.0,False,,,,0.08,0.0404,False,normal_rate,3.51,2.27,False,False,False,False,False,0.904,55.7,52.7,super_preferred_longevity,100.0,baseline,0.958,0.719,False,,False,,497101.7,32284.29,33707.13,32657.28,7756.1,False,0,4.61,-7.39
LI-2024-INS004-000943,2009-08-11,12,21,33,1988,female,never_smoker,30.2,59,149,NM,USA,divorced,graduate,professional,22704.91,0.7403,full_paramedical,127,82,202,60,3.37,88,5.6,False,,,True,False,True,False,False,none,,none,none,anxiety,9,False,False,False,False,False,standard_plus,,,False,False,False,False,12,UW-467,0.96,indexed_ul,500000,annual,1155.56,,10yr_declining,1132.8,,,False,none,captive_agent,False,False,False,0.001358,0.001195,SOA_2015_VBT,SOA_Scale_MP2023,0.931,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0443,False,normal_rate,2.52,1.63,False,False,False,False,False,0.879,70.0,56.5,super_preferred_longevity,100.0,baseline,0.945,0.843,True,42.1,False,,498867.2,9516.61,9587.97,9244.48,2195.56,False,0,3.31,19.24
LI-2024-INS004-000944,2000-03-13,5,37,42,1963,male,former_smoker,27.4,69,185,NC,USA,married,graduate,white_collar,45217.43,0.4576,full_paramedical,125,78,230,51,4.51,104,5.5,False,82.9,1.75,False,True,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-433,1.25,whole_life,250000,annual,1041.64,,none,807.49,,,False,none,captive_agent,False,False,False,0.00373,0.006399,SOA_2015_VBT,SOA_Scale_MP2023,1.267,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000932,0.015,False,,1.0,False,,,,0.04,0.0534,False,normal_rate,1.79,2.56,False,False,False,False,False,0.934,52.5,52.6,super_preferred_longevity,98.3,baseline,1.157,0.306,True,65.6,False,,249192.51,8759.41,8392.81,8333.12,1979.12,False,0,2.16,11.35
LI-2024-INS004-000945,2003-02-18,3,51,54,1952,male,never_smoker,28.7,75,229,TN,USA,single,bachelors,light_blue_collar,152122.71,0.8056,limited_exam,131,77,226,39,5.79,88,4.8,False,90.9,1.9,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-254,1.25,term_life,250000,semi_annual,1535.41,25.0,none,,,,False,none,independent_broker,False,False,False,0.006318,0.008802,SOA_2015_VBT,SOA_Scale_MP2023,1.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00158,0.012,False,,1.0,False,,,,0.07,0.0739,False,normal_rate,0.84,2.31,False,False,False,False,False,0.91,38.0,35.0,preferred_longevity,77.1,baseline,0.896,0.868,False,,False,,250000.0,11190.73,11199.27,12283.28,2917.28,False,0,4.58,21.95
LI-2024-INS004-000946,2010-04-01,3,19,22,1991,male,never_smoker,25.8,68,169,NM,USA,single,some_college,professional,56744.1,0.4496,full_paramedical,110,65,160,38,4.21,109,,False,100.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,7,UW-389,0.63,indexed_ul,250000,annual,285.88,,15yr_declining,187.74,,,True,none,captive_agent,False,False,False,0.001068,0.00074,SOA_2015_VBT,SOA_Scale_MP2023,0.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,True,2025-05-16,voluntary_surrender,3.0,0.08,0.0483,False,normal_rate,3.76,0.65,False,False,False,False,False,0.808,70.0,55.0,super_preferred_longevity,100.0,baseline,1.163,0.327,False,,False,,249812.26,2343.26,2150.47,2287.04,543.17,False,0,4.28,24.88
LI-2024-INS004-000947,2005-06-02,19,21,40,1984,male,never_smoker,30.2,63,170,MI,USA,married,bachelors,light_blue_collar,47405.98,0.7481,non_med_guaranteed,133,84,214,45,4.76,68,5.3,False,95.6,2.59,False,False,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,52,UW-112,2.0,term_life,500000,monthly,2979.34,15.0,none,,,,False,none,bank,False,False,False,0.002583,0.007585,SOA_2015_VBT,SOA_Scale_MP2023,2.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.02,False,,1.0,False,,,,0.03,0.033,False,normal_rate,3.1,2.37,False,False,False,False,False,0.78,70.0,51.0,super_preferred_longevity,100.0,baseline,0.939,0.683,False,,False,,500000.0,22340.29,24247.09,23834.72,5660.75,False,0,1.38,-2.5
LI-2024-INS004-000948,2014-06-04,7,56,63,1958,male,former_smoker,17.4,73,131,ND,USA,married,high_school,professional,147690.66,0.245,full_paramedical,118,74,123,65,1.89,90,5.2,False,78.8,4.55,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,preferred,,,False,False,False,False,48,UW-250,0.81,annuity_deferred,250000,annual,1141.32,,none,920.75,,,False,none,bank,False,False,False,0.018854,0.02087,SOA_2015_VBT,SOA_Scale_MP2023,0.841,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0301,False,normal_rate,3.47,2.41,False,False,False,False,False,0.984,31.6,23.3,standard_longevity,51.1,baseline,1.316,0.197,True,15.0,False,,249079.25,9409.8,8075.29,9130.56,2168.51,False,0,5.26,15.98
LI-2024-INS004-000949,2004-04-17,12,32,44,1972,female,never_smoker,23.7,61,125,MI,USA,single,high_school,white_collar,20000.0,0.8258,full_paramedical,120,74,181,46,3.93,98,5.4,False,,,False,True,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-160,2.25,term_life,500000,quarterly,4262.52,15.0,none,,,,True,facultative,independent_broker,False,False,False,0.002724,0.009025,SOA_2015_VBT,SOA_Scale_MP2023,2.342,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.018,False,,1.0,False,,,,0.03,0.0312,False,normal_rate,4.02,0.59,False,False,False,False,False,0.912,64.5,55.7,super_preferred_longevity,100.0,baseline,0.881,0.884,True,52.4,False,,500000.0,36536.97,33499.97,34100.16,8098.79,False,0,3.27,-20.0
LI-2024-INS004-000950,2011-05-10,2,23,25,1988,female,never_smoker,18.6,65,111,AZ,USA,single,bachelors,white_collar,40646.65,0.8293,full_paramedical,131,83,182,44,4.14,84,5.2,False,96.8,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,preferred,,,False,False,False,False,21,UW-017,0.83,group_life,500000,annual,844.84,,none,,,,False,none,independent_broker,False,False,False,0.000946,0.000631,SOA_2015_VBT,SOA_Scale_MP2023,0.759,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.15,0.1555,False,normal_rate,4.01,1.77,False,False,False,False,False,0.769,70.0,55.0,super_preferred_longevity,100.0,baseline,0.878,0.997,False,,False,,500000.0,6324.2,7052.78,6758.72,1605.2,False,0,8.52,28.91
LI-2024-INS004-000951,2019-05-05,3,66,69,1953,male,former_smoker,23.9,64,139,KS,USA,married,high_school,heavy_blue_collar,228879.65,0.4206,accelerated_UW,132,87,191,70,2.73,72,6.0,False,87.5,4.08,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,1.32,1.0,False,False,False,True,10,UW-224,1.25,whole_life,500000,annual,3684.21,,none,2449.53,,,True,none,independent_broker,False,False,False,0.029866,0.060322,SOA_2015_VBT,SOA_Scale_MP2023,1.494,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007467,0.012,False,,1.0,False,,,,0.04,0.0545,False,normal_rate,2.49,2.09,False,False,False,False,False,0.756,21.6,18.6,standard_longevity,46.7,baseline,1.185,0.376,False,,False,,497550.47,27507.37,26270.76,27410.52,7412.63,False,0,0.72,8.32
LI-2024-INS004-000952,2018-06-14,4,39,43,1979,male,never_smoker,28.0,64,163,MS,USA,single,high_school,white_collar,43943.1,0.4397,full_paramedical,117,79,200,46,4.35,101,4.4,False,103.1,2.44,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,26,UW-361,0.67,whole_life,250000,semi_annual,617.21,,none,438.55,,,False,none,direct_to_consumer,False,False,False,0.003171,0.002267,SOA_2015_VBT,SOA_Scale_MP2023,0.611,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0755,False,normal_rate,2.09,2.68,False,False,False,False,False,0.771,53.0,49.0,super_preferred_longevity,92.6,baseline,1.17,0.33,False,,False,,249561.45,4615.61,5102.16,4937.68,1172.7,False,0,7.47,22.56
LI-2024-INS004-000953,2019-06-20,2,50,52,1969,female,current_smoker,26.6,72,196,NC,USA,single,bachelors,professional,20000.0,0.7989,full_paramedical,133,84,261,42,6.21,93,4.9,True,,,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-200,2.0,whole_life,1000000,monthly,9209.0,,none,6028.23,,,True,none,captive_agent,False,False,False,0.010055,0.029538,SOA_2015_VBT,SOA_Scale_MP2023,2.151,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010055,0.015,False,,1.0,False,,,,0.04,0.0424,False,normal_rate,4.56,2.66,False,False,False,False,False,0.926,45.7,43.7,super_preferred_longevity,90.0,baseline,0.901,0.81,False,,False,,993971.77,70041.48,64044.58,73672.0,17497.1,False,0,2.12,2.53
LI-2024-INS004-000954,2012-06-27,13,62,75,1950,female,never_smoker,23.6,66,146,WY,USA,widowed,bachelors,white_collar,79063.98,0.6506,limited_exam,118,72,263,61,4.31,76,5.2,False,62.5,,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,False,17,UW-080,0.8,term_life,500000,semi_annual,2222.83,20.0,none,,,,False,none,employer_group,False,False,False,0.029938,0.024724,SOA_2015_VBT,SOA_Scale_MP2023,0.816,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0425,False,normal_rate,3.42,2.24,False,False,False,False,False,0.968,33.1,20.1,preferred_longevity,62.4,baseline,1.012,0.661,False,,False,,500000.0,17349.52,18252.96,17782.64,4223.38,False,0,5.46,19.5
LI-2024-INS004-000955,2020-06-12,5,57,62,1963,female,never_smoker,28.7,67,183,NE,USA,married,some_college,white_collar,26862.35,0.4529,full_paramedical,145,92,243,46,5.28,100,5.2,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-437,2.0,whole_life,500000,quarterly,4642.03,,none,3316.4,,,False,none,captive_agent,False,False,False,0.011241,0.042125,SOA_2015_VBT,SOA_Scale_MP2023,2.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011241,0.015,True,0.00383,1.0,False,,,,0.04,0.0535,False,normal_rate,4.84,0.77,False,False,False,False,False,0.951,36.5,31.5,preferred_longevity,66.5,baseline,1.16,0.556,False,,False,,496683.6,34110.71,37006.86,37136.24,8819.86,False,0,-0.74,-2.1
LI-2024-INS004-000956,2018-01-08,8,34,42,1984,male,never_smoker,23.2,63,130,ID,USA,married,some_college,professional,145985.99,0.392,full_paramedical,113,66,251,57,4.4,94,,True,84.6,3.8,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-034,2.25,universal_life,2000000,monthly,16354.3,,10yr_declining,12968.04,,,True,coinsurance,independent_broker,False,False,False,0.005914,0.024702,SOA_2015_VBT,SOA_Scale_MP2023,2.427,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007392,0.02,False,,1.0,False,,,,0.06,0.0374,False,normal_rate,3.29,1.15,False,False,False,False,False,0.777,61.8,53.8,super_preferred_longevity,100.0,baseline,1.206,0.53,False,,False,,1987031.96,141286.93,119678.07,130834.4,31073.17,False,0,0.24,-13.33
LI-2024-INS004-000957,2013-09-19,3,79,82,1934,female,never_smoker,27.2,64,158,FL,USA,married,bachelors,heavy_blue_collar,56751.23,0.4507,full_paramedical,152,98,222,36,6.17,99,5.1,False,75.7,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_2,1.47,2.0,False,False,False,False,29,UW-483,1.5,term_life,1000000,annual,9748.8,15.0,none,,,,True,quota_share,captive_agent,True,False,False,0.056434,0.133597,SOA_2015_VBT,SOA_Scale_MP2023,1.607,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028217,0.005,False,,1.0,False,,,,0.07,0.0938,False,normal_rate,4.28,2.23,False,False,False,False,False,0.863,9.3,6.8,sub_standard_longevity,29.5,baseline,1.162,0.525,True,56.7,False,,1000000.0,25555.34,23817.38,26516.74,28817.45,False,0,4.74,11.22
LI-2024-INS004-000958,2000-08-25,26,60,86,1940,female,never_smoker,34.2,65,205,NY,USA,married,some_college,professional,69852.69,0.6813,full_paramedical,150,96,232,37,6.27,112,4.7,False,84.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-438,2.25,term_life,100000,annual,1677.81,20.0,none,,,,False,none,independent_broker,False,False,False,0.075933,0.272303,SOA_2015_VBT,SOA_Scale_MP2023,2.362,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.094917,0.008,False,,1.0,False,,,,0.03,0.0346,False,normal_rate,3.22,1.28,False,False,False,False,False,0.971,30.4,4.4,sub_standard_longevity,29.3,baseline,0.989,0.571,False,,False,,100000.0,2810.31,3034.84,2952.95,5281.74,False,0,1.74,-8.65
LI-2024-INS004-000959,2019-03-21,6,41,47,1978,male,never_smoker,28.0,70,194,AL,USA,married,bachelors,white_collar,51889.44,0.7066,full_paramedical,110,58,230,38,6.05,65,5.6,False,101.6,0.81,False,False,False,False,False,none,,none,none,depression,1,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,46,UW-133,1.5,term_life,2000000,semi_annual,12238.28,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.004251,0.008962,SOA_2015_VBT,SOA_Scale_MP2023,1.658,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002125,0.018,False,,1.0,False,,,,0.05,0.0567,False,normal_rate,1.35,1.81,False,False,False,False,False,0.974,52.0,48.4,super_preferred_longevity,95.7,baseline,0.97,0.551,True,50.1,False,,2000000.0,96486.6,93240.86,97906.24,23252.73,False,0,4.21,11.6
LI-2024-INS004-000960,2009-04-12,12,52,64,1957,female,never_smoker,24.8,67,158,WY,USA,married,high_school,white_collar,166656.7,0.7919,full_paramedical,139,87,252,55,4.58,82,,False,79.0,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-060,2.0,annuity_deferred,500000,monthly,5930.83,,none,5968.92,,,False,none,independent_broker,False,False,False,0.012495,0.035353,SOA_2015_VBT,SOA_Scale_MP2023,2.019,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012495,0.012,False,,1.0,False,,,,0.01,0.0107,False,normal_rate,5.15,1.34,False,False,False,False,False,0.893,41.7,29.7,preferred_longevity,68.9,baseline,0.906,0.822,False,,False,,494031.08,50120.69,40909.81,47446.64,11268.58,False,0,1.35,-2.5
LI-2024-INS004-000961,2014-12-05,6,51,57,1963,male,never_smoker,32.6,63,184,IN,USA,married,bachelors,white_collar,29969.59,0.9741,full_paramedical,134,77,262,47,5.57,123,5.5,False,83.8,8.01,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-254,1.25,term_life,500000,monthly,2881.4,30.0,none,,,,False,none,independent_broker,False,False,False,0.009195,0.011397,SOA_2015_VBT,SOA_Scale_MP2023,1.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002299,0.015,False,,1.0,False,,,,0.05,0.172,False,normal_rate,5.09,1.58,False,False,False,True,False,0.86,40.5,33.1,preferred_longevity,76.8,baseline,0.769,1.0,True,19.0,False,,500000.0,24385.19,22631.21,23051.2,5474.66,False,0,1.88,21.04
LI-2024-INS004-000962,2019-08-11,1,22,23,1997,female,never_smoker,37.3,68,245,CT,USA,married,high_school,white_collar,34466.06,0.706,full_paramedical,105,56,221,46,4.8,103,5.9,False,79.7,,True,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-359,1.5,term_life,100000,annual,305.39,15.0,none,,,,False,none,independent_broker,True,False,False,0.000882,0.001793,SOA_2015_VBT,SOA_Scale_MP2023,1.579,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000441,0.022,False,,1.0,False,,,,0.1,0.1135,False,normal_rate,1.94,0.64,False,False,False,False,False,0.813,70.0,56.7,super_preferred_longevity,100.0,baseline,0.971,0.819,True,43.6,False,,100000.0,2290.57,2378.64,2443.12,580.24,False,0,4.26,11.02
LI-2024-INS004-000963,2015-06-16,5,62,67,1953,male,former_smoker,23.7,69,160,MO,USA,single,high_school,white_collar,40274.41,0.5505,non_med_guaranteed,140,93,205,61,3.36,86,5.4,False,104.4,2.0,False,False,True,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-046,1.5,term_life,250000,monthly,2053.57,25.0,none,,,,False,none,captive_agent,False,False,False,0.025092,0.057283,SOA_2015_VBT,SOA_Scale_MP2023,1.64,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012546,0.012,False,,1.0,False,,,,0.07,0.0882,False,normal_rate,2.57,1.91,False,False,False,False,False,0.906,29.1,24.1,preferred_longevity,66.9,baseline,1.087,0.637,False,,False,,250000.0,17029.35,16393.36,16428.56,3901.78,False,0,8.64,5.46
LI-2024-INS004-000964,2006-04-10,21,63,84,1943,male,former_smoker,15.5,61,90,VA,USA,divorced,graduate,hazardous,179026.93,0.4371,full_paramedical,126,88,249,50,4.98,99,,False,72.7,5.3,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,declined,,,True,False,True,False,24,UW-267,7.0,term_life,100000,monthly,4272.09,25.0,none,,,,False,none,employer_group,False,False,False,0.106598,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.983,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.008,False,,1.0,False,,,,0.03,0.0486,False,normal_rate,2.79,2.99,False,False,False,False,False,0.862,22.8,1.8,sub_standard_longevity,21.8,baseline,1.172,0.42,False,,False,,100000.0,3285.15,3102.4,3075.9,14337.14,False,0,-5.0,-20.0
LI-2024-INS004-000965,2010-04-26,14,40,54,1970,male,current_smoker,25.1,62,137,UT,USA,single,high_school,light_blue_collar,24829.77,0.4701,accelerated_UW,128,79,219,56,3.91,104,5.5,True,81.9,2.17,False,False,False,False,False,none,,none,very_severe_gold_4,schizophrenia,13,False,False,False,False,False,declined,,,False,False,True,True,5,UW-134,7.0,term_life,1000000,annual,27429.82,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.014784,0.202189,SOA_2015_VBT,SOA_Scale_MP2023,6.69,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.088704,0.018,False,,1.0,False,,,,0.03,0.0397,False,normal_rate,0.48,1.09,False,False,False,False,False,0.807,50.8,36.8,preferred_longevity,74.8,baseline,1.147,0.472,False,,False,,1000000.0,214301.31,218030.8,219438.56,52116.66,False,0,-5.0,-20.0
LI-2024-INS004-000966,2006-09-06,13,46,59,1960,female,never_smoker,20.7,61,109,ME,USA,married,high_school,heavy_blue_collar,26002.12,0.6263,full_paramedical,102,63,212,52,4.08,86,,False,82.8,,False,False,False,False,False,none,,none,none,none,1,True,False,False,False,False,standard,5.58,,True,False,False,False,7,UW-003,1.08,whole_life,100000,monthly,474.82,,none,481.07,,,False,none,bank,False,False,False,0.008319,0.009656,SOA_2015_VBT,SOA_Scale_MP2023,1.049,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000665,0.015,False,,1.0,False,,,,0.015,0.018,False,normal_rate,5.14,1.32,False,False,False,False,False,0.882,47.7,34.7,preferred_longevity,73.9,baseline,1.03,0.677,False,,False,,99518.93,3895.13,3941.54,3798.56,902.16,False,0,1.87,25.61
LI-2024-INS004-000967,2018-02-01,4,79,83,1939,male,current_smoker,35.8,63,202,IA,USA,married,high_school,light_blue_collar,33421.06,0.1899,full_paramedical,146,84,194,45,4.31,92,5.8,True,,9.32,False,False,True,False,False,none,,pre_diabetes,none,bipolar,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,45,UW-395,2.5,group_life,1000000,monthly,15993.54,,none,,,,True,facultative,captive_agent,False,False,False,0.157667,0.797942,SOA_2015_VBT,SOA_Scale_MP2023,2.623,neurological,True,2020-07-15,False,False,367805.97,0.0007,5e-05,1.095,0.236501,0.005,False,,1.0,False,,,,0.15,0.3251,False,normal_rate,4.24,1.54,False,False,False,False,False,0.91,8.0,4.0,sub_standard_longevity,31.3,baseline,1.358,0.312,False,,False,,1000000.0,26700.43,24626.04,25589.66,50859.46,False,0,0.23,-20.0
LI-2024-INS004-000968,2011-07-12,6,43,49,1968,male,unknown,26.6,70,185,AZ,USA,married,bachelors,heavy_blue_collar,69198.09,0.476,non_med_guaranteed,122,81,163,31,5.26,99,,False,91.5,1.25,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,0.92,1.0,False,False,False,False,19,UW-182,1.25,whole_life,2000000,quarterly,11745.72,,none,8974.92,,,True,quota_share,independent_broker,False,False,False,0.005699,0.010044,SOA_2015_VBT,SOA_Scale_MP2023,1.323,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001425,0.015,False,,1.0,False,,,,0.02,0.0264,False,normal_rate,2.81,0.63,False,False,False,False,False,0.844,47.3,41.3,super_preferred_longevity,81.6,baseline,1.143,0.389,False,,False,,1991025.08,100812.21,81122.9,93965.76,22316.87,False,0,1.41,8.52
LI-2024-INS004-000969,2020-01-11,2,57,59,1963,female,former_smoker,29.8,64,173,AL,USA,married,high_school,white_collar,207007.23,0.4739,limited_exam,134,86,166,27,6.15,138,4.9,False,75.5,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-259,1.5,term_life,1000000,quarterly,6674.07,15.0,none,,,,True,none,bank,False,False,False,0.011316,0.03359,SOA_2015_VBT,SOA_Scale_MP2023,1.705,cancer,True,2021-10-02,True,True,1337514.95,0.0007,5e-05,1.095,0.005658,0.015,True,0.00585,1.0,False,,,,0.07,0.0925,False,normal_rate,2.46,0.94,False,False,False,False,False,0.784,36.5,34.5,preferred_longevity,71.4,baseline,1.145,0.489,False,,False,,1000000.0,58508.25,54768.48,53392.56,12680.73,False,0,4.94,3.2
LI-2024-INS004-000970,2015-07-08,12,38,50,1977,male,former_smoker,23.8,76,195,PA,USA,divorced,bachelors,white_collar,45184.12,0.7625,full_paramedical,112,71,172,48,3.58,96,,False,,3.3,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-339,1.25,term_life,1000000,monthly,5523.76,25.0,none,,,,True,none,captive_agent,False,False,False,0.006967,0.010362,SOA_2015_VBT,SOA_Scale_MP2023,1.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001742,0.018,False,,1.0,False,,,,0.03,0.0327,False,normal_rate,4.64,2.28,False,False,False,False,False,0.893,55.0,43.0,super_preferred_longevity,88.4,baseline,0.928,0.832,False,,False,,1000000.0,40470.76,46323.83,44190.08,10495.14,False,0,1.4,14.49
LI-2024-INS004-000971,2001-02-18,16,23,39,1978,female,former_smoker,29.5,65,177,CA,USA,single,high_school,professional,72690.22,0.7182,full_paramedical,114,69,223,53,4.21,79,5.3,False,,,False,False,False,False,True,lung,8.4,none,none,none,2,False,False,False,True,True,declined,,,False,False,True,False,41,UW-032,7.0,term_life,1000000,quarterly,22060.74,20.0,none,,,,True,none,captive_agent,False,False,False,0.002516,0.032777,SOA_2015_VBT,SOA_Scale_MP2023,7.309,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015097,0.018,False,,1.0,False,,,,0.03,0.0338,False,normal_rate,4.31,2.29,False,False,False,False,False,0.907,70.0,54.0,super_preferred_longevity,100.0,baseline,0.961,0.938,False,,False,,1000000.0,189772.32,156612.44,176485.92,41915.41,False,0,-5.0,-20.0
LI-2024-INS004-000972,2013-06-09,1,54,55,1959,female,never_smoker,31.4,60,160,AZ,USA,married,some_college,white_collar,176139.24,0.2431,limited_exam,144,91,227,54,4.2,110,,False,71.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-465,2.25,universal_life,500000,monthly,4622.43,,10yr_declining,2747.45,,,False,none,bank,False,False,False,0.005972,0.026507,SOA_2015_VBT,SOA_Scale_MP2023,2.42,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007465,0.012,False,,1.0,False,,,,0.12,0.1138,False,normal_rate,3.18,2.46,False,False,False,False,False,0.896,37.8,36.8,preferred_longevity,71.3,baseline,1.318,0.135,False,,False,,497252.55,38732.72,36559.17,36979.44,8782.62,False,0,2.67,-15.33
LI-2024-INS004-000973,2004-03-14,22,56,78,1948,male,never_smoker,33.0,68,216,NV,USA,divorced,graduate,white_collar,86563.29,0.5652,limited_exam,160,89,194,46,4.22,104,6.0,True,,6.32,False,False,False,False,False,none,,none,none,none,16,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,52,UW-106,1.5,universal_life,1000000,quarterly,10897.32,,10yr_declining,15776.25,,,True,quota_share,independent_broker,False,False,False,0.101654,0.2241,SOA_2015_VBT,SOA_Scale_MP2023,1.584,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050827,0.008,False,,1.0,False,,,,0.04,0.0499,False,normal_rate,2.23,2.33,False,False,False,False,False,0.907,31.1,9.1,sub_standard_longevity,34.6,baseline,1.076,0.643,False,,False,,984223.75,36596.06,37808.79,39666.24,30207.37,False,0,6.37,2.3
LI-2024-INS004-000974,2021-12-28,6,63,69,1958,male,current_smoker,23.0,67,146,SC,USA,married,bachelors,light_blue_collar,53361.95,0.2789,full_paramedical,117,84,245,50,4.9,93,,True,,2.08,False,True,False,False,False,none,,none,none,substance_use_disorder,5,False,False,True,False,True,substandard_table_7,,7.0,False,False,False,False,73,UW-021,2.75,indexed_ul,1000000,monthly,14536.29,,10yr_declining,11704.47,5922.46,0.506,True,facultative,independent_broker,False,False,False,0.048807,0.267806,SOA_2015_VBT,SOA_Scale_MP2023,2.871,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.085413,0.012,True,0.00151,1.0,False,,,,0.06,0.0239,False,normal_rate,1.57,0.78,False,False,False,False,False,0.869,24.8,18.8,standard_longevity,44.9,baseline,1.291,0.485,False,,False,,988295.53,117636.15,105730.26,109312.9,29014.43,False,0,-0.37,-20.0
LI-2024-INS004-000975,2024-01-26,1,36,37,1988,female,never_smoker,21.9,67,139,AL,USA,married,graduate,white_collar,127857.47,0.4433,simplified_issue,122,69,187,69,2.71,96,,False,93.1,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,24,UW-243,0.59,whole_life,500000,annual,997.24,,none,651.87,,,False,none,independent_broker,False,True,False,0.001707,0.001198,SOA_2015_VBT,SOA_Scale_MP2023,0.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.0807,False,normal_rate,3.76,2.7,False,False,False,False,False,0.822,61.6,55.0,super_preferred_longevity,100.0,baseline,1.168,0.677,False,,False,,499348.13,7847.81,7368.43,7977.92,1894.76,False,0,3.2,24.78
LI-2024-INS004-000976,2005-02-03,15,42,57,1963,male,never_smoker,27.8,65,167,FL,USA,divorced,bachelors,professional,58864.22,0.6737,limited_exam,134,86,201,49,4.1,109,,False,66.3,2.32,True,False,True,False,False,none,,none,none,bipolar,13,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-054,2.0,term_life,250000,monthly,2422.57,20.0,none,,,,False,none,independent_broker,False,False,False,0.009195,0.028932,SOA_2015_VBT,SOA_Scale_MP2023,2.158,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009195,0.015,False,,1.0,False,,,,0.03,0.0348,False,normal_rate,2.77,2.56,False,False,False,False,False,0.896,51.3,36.3,super_preferred_longevity,87.1,baseline,0.995,0.618,False,,False,,250000.0,18495.16,20006.35,19380.56,4602.88,False,0,3.0,-10.41
LI-2024-INS004-000977,2023-10-15,3,27,30,1996,male,former_smoker,27.5,61,145,KY,USA,married,some_college,white_collar,50425.1,0.4051,full_paramedical,119,75,151,52,2.9,81,,False,,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-265,1.25,term_life,250000,monthly,746.34,20.0,none,,,,False,none,bank,False,False,False,0.001898,0.003519,SOA_2015_VBT,SOA_Scale_MP2023,1.341,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.022,False,,1.0,False,,,,0.07,0.0963,False,normal_rate,2.54,2.71,False,False,False,False,False,0.789,67.8,55.0,super_preferred_longevity,100.0,baseline,1.196,0.415,False,,False,,250000.0,5941.65,5741.57,5970.72,1418.05,False,0,3.27,16.83
LI-2024-INS004-000978,2007-10-04,14,32,46,1975,female,never_smoker,31.2,65,187,ND,USA,single,high_school,white_collar,64975.61,0.4409,full_paramedical,130,83,215,42,5.12,101,6.2,False,90.8,,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-270,1.25,universal_life,250000,semi_annual,1068.79,,10yr_declining,1188.33,,,False,none,captive_agent,False,False,False,0.003155,0.00606,SOA_2015_VBT,SOA_Scale_MP2023,1.429,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000789,0.018,False,,1.0,False,,,,0.04,0.0539,False,normal_rate,1.21,1.36,False,False,False,False,False,0.979,63.5,49.5,super_preferred_longevity,93.4,baseline,1.169,0.511,False,,False,,248811.67,8099.22,7669.19,8550.32,2030.7,False,0,0.98,9.81
LI-2024-INS004-000979,2019-09-22,8,58,66,1961,female,never_smoker,40.2,63,226,AL,USA,married,graduate,professional,107258.09,0.6114,simplified_issue,137,81,185,50,3.7,105,5.4,False,94.1,,True,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-286,2.0,whole_life,1000000,monthly,11290.5,,none,9461.22,,,True,none,worksite,False,True,False,0.015404,0.047889,SOA_2015_VBT,SOA_Scale_MP2023,2.025,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015404,0.015,False,,1.0,False,,,,0.02,0.0242,False,normal_rate,3.72,2.54,False,False,False,False,False,0.915,35.8,30.7,preferred_longevity,67.7,baseline,1.041,0.619,True,65.3,False,,990538.78,88729.57,80202.29,90324.0,21451.95,False,0,2.42,-4.41
LI-2024-INS004-000980,2018-12-21,6,75,81,1943,male,former_smoker,30.1,66,186,OR,USA,married,bachelors,professional,72784.08,0.3988,simplified_issue,125,80,238,60,3.97,106,4.8,False,60.7,20.0,False,False,False,False,False,none,,none,none,anxiety,0,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-380,1.25,annuity_deferred,500000,annual,3780.58,,none,3058.79,,,False,none,direct_to_consumer,True,False,False,0.082346,0.16012,SOA_2015_VBT,SOA_Scale_MP2023,1.411,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020587,0.008,False,,1.0,False,,,,0.02,0.0387,False,normal_rate,2.64,1.1,False,False,False,False,False,0.841,10.7,4.7,sub_standard_longevity,25.5,baseline,1.201,0.304,False,,False,,496941.21,6515.52,7327.7,7107.49,11810.53,False,0,5.38,17.38
LI-2024-INS004-000981,2019-09-19,2,45,47,1974,male,never_smoker,34.8,63,196,NC,USA,divorced,bachelors,white_collar,66159.44,0.6018,full_paramedical,139,88,234,61,3.84,95,5.1,False,90.4,1.02,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-183,2.25,term_life,500000,annual,3878.5,30.0,none,,,,False,none,captive_agent,True,False,False,0.004251,0.015891,SOA_2015_VBT,SOA_Scale_MP2023,2.373,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005314,0.018,False,,1.0,False,,,,0.07,0.0853,False,normal_rate,3.27,0.79,False,False,False,False,False,0.996,46.9,44.9,super_preferred_longevity,88.9,baseline,1.049,0.571,False,,False,,500000.0,30850.21,26945.39,31028.0,7369.15,False,0,4.05,-9.02
LI-2024-INS004-000982,2000-04-13,14,73,87,1927,female,never_smoker,34.1,71,244,PA,USA,married,graduate,white_collar,36880.07,0.8134,full_paramedical,159,98,271,39,6.95,111,4.9,False,54.9,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-413,1.5,term_life,250000,quarterly,3118.16,20.0,none,,,,True,facultative,bank,True,False,False,0.063846,0.118686,SOA_2015_VBT,SOA_Scale_MP2023,1.527,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031923,0.012,False,,1.0,False,,,,0.03,0.0315,False,normal_rate,3.37,2.3,False,False,False,True,False,0.918,19.3,5.4,standard_longevity,42.8,baseline,0.89,0.835,True,84.4,True,-0.577,250000.0,6111.63,6778.78,6735.23,9566.51,False,0,4.35,5.73
LI-2024-INS004-000983,2017-12-06,6,61,67,1956,male,unknown,34.6,65,208,MT,USA,married,bachelors,white_collar,34904.73,0.6622,full_paramedical,146,85,263,49,5.37,107,5.1,False,58.7,4.71,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-082,1.5,indexed_ul,250000,monthly,1905.0,,10yr_declining,1483.53,,,False,none,captive_agent,False,False,False,0.023016,0.051066,SOA_2015_VBT,SOA_Scale_MP2023,1.713,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011508,0.012,False,,1.0,False,,,,0.06,0.0316,False,normal_rate,3.87,1.26,False,True,False,False,False,0.786,28.0,22.0,standard_longevity,55.4,baseline,1.003,0.654,False,,False,,248516.47,14738.1,13460.35,15240.0,3619.5,False,0,0.25,9.55
LI-2024-INS004-000984,2023-03-23,3,20,23,2003,female,never_smoker,36.8,60,188,RI,USA,married,high_school,white_collar,29634.4,0.1272,full_paramedical,123,76,204,27,7.56,77,5.3,False,114.3,,False,False,False,False,False,none,,none,none,anxiety,8,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-121,1.5,group_life,500000,monthly,1395.4,,none,,,,True,excess_of_loss,bank,False,False,False,0.000882,0.002417,SOA_2015_VBT,SOA_Scale_MP2023,1.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000441,0.012,False,,1.0,True,2026-01-03,voluntary_surrender,3.0,0.15,0.3356,False,normal_rate,4.03,1.03,False,False,False,False,False,0.878,70.0,55.0,super_preferred_longevity,96.9,baseline,1.405,0.303,False,,False,,500000.0,11270.5,10674.75,11163.2,2651.26,False,0,1.78,-3.56
LI-2024-INS004-000985,2010-09-23,12,65,77,1945,female,unknown,28.2,68,185,IA,USA,married,some_college,heavy_blue_collar,78244.56,0.2592,accelerated_UW,135,95,299,54,5.54,96,5.3,False,75.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,1.03,,False,True,False,True,13,UW-207,1.0,whole_life,500000,monthly,3229.15,,none,3254.63,,,False,none,employer_group,False,False,False,0.04184,0.058996,SOA_2015_VBT,SOA_Scale_MP2023,1.08,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.015,0.0269,False,normal_rate,5.26,0.95,False,False,False,False,False,0.991,24.4,12.4,sub_standard_longevity,35.0,baseline,1.306,0.169,False,,False,,496745.37,14433.2,16364.24,16016.58,8098.71,False,0,3.85,9.2
LI-2024-INS004-000986,2016-11-25,10,77,87,1939,male,never_smoker,27.5,67,175,HI,USA,divorced,some_college,light_blue_collar,20000.0,0.5051,simplified_issue,151,99,205,54,3.8,97,,False,50.5,11.23,True,True,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-098,1.5,term_life,1000000,quarterly,10917.68,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.110835,0.260828,SOA_2015_VBT,SOA_Scale_MP2023,1.653,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055417,0.005,False,,1.0,False,,,,0.05,0.0648,False,normal_rate,4.65,2.08,False,False,False,False,False,0.789,11.3,1.3,sub_standard_longevity,32.0,baseline,1.121,0.579,False,,False,,1000000.0,5232.5,5913.13,5677.19,37076.44,False,0,2.38,5.54
LI-2024-INS004-000987,2018-11-10,1,22,23,1996,male,never_smoker,30.1,76,247,MO,USA,married,bachelors,hazardous,45704.26,0.8242,full_paramedical,145,90,234,37,6.32,93,,False,105.1,,True,False,True,False,False,none,,none,none,none,2,False,True,True,True,True,substandard_table_2,3.65,2.0,True,False,False,False,54,UW-030,1.5,whole_life,500000,quarterly,1530.99,,none,886.27,,,True,quota_share,independent_broker,False,False,False,0.001103,0.002138,SOA_2015_VBT,SOA_Scale_MP2023,1.632,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000551,0.022,False,,1.0,False,,,,0.06,0.0624,False,normal_rate,2.79,0.71,True,False,False,False,False,0.75,70.0,55.0,super_preferred_longevity,100.0,baseline,0.882,0.864,False,,False,,499113.73,12107.12,11126.15,12247.92,2908.88,False,0,1.79,5.18
LI-2024-INS004-000988,2022-08-02,5,22,27,2000,male,never_smoker,39.2,72,289,CA,USA,married,some_college,white_collar,20000.0,0.2266,non_med_guaranteed,141,87,203,43,4.72,103,6.6,False,95.1,,True,False,True,False,False,none,,type_2,none,substance_use_disorder,16,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,43,UW-050,2.25,indexed_ul,100000,monthly,571.93,,15yr_declining,408.75,,,False,none,bank,False,False,False,0.001279,0.008318,SOA_2015_VBT,SOA_Scale_MP2023,2.468,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001599,0.012,True,0.00252,1.0,False,,,,0.08,0.0765,False,normal_rate,5.54,2.46,False,False,False,False,False,0.777,70.0,55.0,super_preferred_longevity,100.0,baseline,1.33,0.237,False,,False,,99591.25,4177.17,4656.7,4575.44,1086.67,False,0,1.9,-11.99
LI-2024-INS004-000989,2019-05-03,7,23,30,1996,male,never_smoker,31.3,64,182,MS,USA,single,some_college,light_blue_collar,32147.47,0.6552,simplified_issue,98,68,137,46,2.98,113,4.7,False,100.1,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-418,2.25,whole_life,500000,annual,2459.19,,none,2035.75,,,False,none,independent_broker,False,True,False,0.00146,0.005452,SOA_2015_VBT,SOA_Scale_MP2023,2.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,False,,1.0,False,,,,0.02,0.0235,False,normal_rate,3.88,2.5,False,False,False,False,False,0.75,70.0,55.0,super_preferred_longevity,100.0,baseline,1.009,0.6,False,,False,,497964.25,20136.59,20542.7,19673.52,4672.46,False,0,2.78,-9.09
LI-2024-INS004-000990,2005-05-05,9,79,88,1926,female,never_smoker,27.1,61,143,MS,USA,single,high_school,professional,20000.0,0.6152,limited_exam,146,93,221,57,3.88,109,5.6,False,78.2,,False,False,False,False,True,melanoma,2.3,none,none,anxiety,0,True,False,False,False,True,substandard_table_5,3.57,5.0,True,False,False,False,53,UW-144,2.25,term_life,2000000,quarterly,35597.81,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.068612,0.254083,SOA_2015_VBT,SOA_Scale_MP2023,2.362,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.085765,0.012,False,,1.0,False,,,,0.05,0.0604,False,normal_rate,1.0,1.08,False,False,False,False,False,0.892,9.3,1.0,sub_standard_longevity,23.2,baseline,1.039,0.536,False,,False,,2000000.0,14972.84,13347.73,14239.12,121744.51,False,0,2.78,-15.21
LI-2024-INS004-000991,2001-11-06,26,78,104,1923,female,former_smoker,28.6,68,188,SC,USA,married,graduate,white_collar,53665.12,0.6237,non_med_guaranteed,140,94,305,62,4.92,81,5.0,False,70.4,,False,False,False,False,True,colorectal,0.4,none,none,bipolar,1,False,False,False,False,True,standard,,,False,True,False,False,23,UW-353,1.0,indexed_ul,1000000,annual,7765.71,,10yr_declining,13864.7,,,True,excess_of_loss,employer_group,False,False,False,0.292371,0.315675,SOA_2015_VBT,SOA_Scale_MP2023,1.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0576,False,normal_rate,3.38,2.44,False,False,False,False,False,0.822,9.9,1.0,sub_standard_longevity,23.4,baseline,1.032,0.512,False,,False,,986135.3,3265.44,2972.27,3106.28,26558.73,False,0,1.09,18.47
LI-2024-INS004-000992,2015-05-25,5,56,61,1959,female,current_smoker,32.0,63,180,TN,USA,single,graduate,light_blue_collar,30471.13,0.7041,full_paramedical,139,91,229,39,5.87,91,,True,,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,7,UW-128,2.75,term_life,2000000,semi_annual,25914.26,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.019784,0.092213,SOA_2015_VBT,SOA_Scale_MP2023,2.995,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034623,0.012,False,,1.0,False,,,,0.07,0.0796,False,normal_rate,3.14,1.54,False,False,False,False,False,0.993,37.6,32.6,preferred_longevity,72.0,baseline,0.972,0.75,False,,False,,2000000.0,212886.43,203770.63,207314.08,49237.09,False,0,-1.96,-20.0
LI-2024-INS004-000993,2007-12-20,1,53,54,1954,male,never_smoker,28.2,74,219,CA,USA,married,high_school,light_blue_collar,64081.47,0.5908,simplified_issue,133,83,212,56,3.79,62,,False,101.5,0.63,False,False,False,False,False,none,,none,none,none,9,False,False,False,True,True,preferred,,,False,False,False,False,35,UW-020,0.76,whole_life,100000,monthly,315.38,,none,185.43,,,False,none,direct_to_consumer,False,False,False,0.006473,0.005623,SOA_2015_VBT,SOA_Scale_MP2023,0.822,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.1031,False,normal_rate,2.21,2.51,False,False,False,False,False,0.964,35.4,34.4,preferred_longevity,73.0,baseline,1.057,0.687,False,,False,,99814.57,2302.08,2469.78,2523.04,599.22,False,0,3.98,23.21
LI-2024-INS004-000994,2009-04-01,5,20,25,1989,male,never_smoker,32.6,60,166,MI,USA,married,high_school,light_blue_collar,207787.37,0.7038,limited_exam,117,70,181,54,3.35,80,5.2,True,,,False,False,False,False,False,none,,none,none,anxiety,10,False,False,False,False,False,standard,,,False,False,False,False,18,UW-041,1.09,term_life,250000,monthly,520.9,30.0,none,,,,False,none,captive_agent,False,False,False,0.002365,0.002715,SOA_2015_VBT,SOA_Scale_MP2023,1.088,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000213,0.02,False,,1.0,False,,,,0.07,0.0796,False,normal_rate,4.35,1.45,False,False,False,False,False,0.936,70.0,55.0,super_preferred_longevity,100.0,baseline,0.972,0.792,False,,False,,250000.0,4504.87,3964.06,4167.2,989.71,False,0,1.61,10.41
LI-2024-INS004-000995,2013-08-10,12,63,75,1950,male,never_smoker,26.2,70,182,AR,USA,married,high_school,heavy_blue_collar,58797.7,0.3531,full_paramedical,159,99,221,60,3.68,68,5.2,False,,3.72,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,1.06,2.0,False,False,False,False,8,UW-096,1.5,group_life,250000,semi_annual,2257.76,,none,,,,False,none,captive_agent,False,False,False,0.037422,0.094841,SOA_2015_VBT,SOA_Scale_MP2023,1.647,cardiovascular,True,2016-02-20,False,False,778150.12,0.0007,5e-05,1.095,0.018711,0.012,False,,1.0,False,,,,0.1,0.1418,False,normal_rate,0.54,1.68,False,False,False,False,False,0.837,23.9,11.9,standard_longevity,35.6,baseline,1.235,0.163,False,,False,,250000.0,11469.6,9202.27,10746.94,5752.77,False,0,6.74,2.73
LI-2024-INS004-000996,2022-10-18,4,42,46,1980,female,unknown,28.1,64,163,IN,USA,single,some_college,white_collar,23625.1,0.4661,full_paramedical,127,82,193,56,3.45,110,,False,95.6,,False,False,False,False,True,melanoma,2.5,none,none,none,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,54,UW-343,2.25,universal_life,250000,annual,2370.44,,15yr_declining,1716.66,,,False,none,captive_agent,True,False,False,0.003628,0.016851,SOA_2015_VBT,SOA_Scale_MP2023,2.302,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004535,0.02,True,0.00271,1.0,False,,,,0.08,0.0478,False,normal_rate,3.82,1.73,False,False,False,False,True,0.794,54.5,56.0,super_preferred_longevity,100.0,baseline,1.15,0.361,True,66.2,False,,248283.34,18182.16,18254.71,18963.52,4503.84,False,0,2.89,-12.22
LI-2024-INS004-000997,2010-02-11,10,45,55,1965,male,never_smoker,31.2,75,249,CA,USA,single,graduate,professional,41445.51,0.8115,non_med_guaranteed,112,76,236,59,4.0,89,5.0,False,,8.76,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,16,UW-043,0.92,universal_life,100000,annual,437.12,,15yr_declining,396.56,,,False,none,bank,False,False,False,0.008025,0.007053,SOA_2015_VBT,SOA_Scale_MP2023,0.986,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0284,False,normal_rate,2.06,0.76,False,False,False,False,False,0.937,46.2,34.6,preferred_longevity,76.6,baseline,0.891,0.823,False,,True,-1.061,99603.44,3559.85,3574.82,3496.96,830.53,False,0,4.51,18.63
LI-2024-INS004-000998,2011-01-27,13,42,55,1969,female,never_smoker,36.2,72,266,WA,USA,married,graduate,light_blue_collar,53165.01,0.381,non_med_guaranteed,148,96,262,46,5.7,99,5.6,False,96.1,,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-432,1.5,term_life,500000,monthly,3656.26,20.0,none,,,,False,none,independent_broker,False,False,False,0.00642,0.015239,SOA_2015_VBT,SOA_Scale_MP2023,1.543,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00321,0.015,False,,1.0,False,,,,0.03,0.0419,False,normal_rate,4.14,1.87,False,False,False,False,False,0.924,52.1,39.1,preferred_longevity,76.9,baseline,1.214,0.513,False,,False,,500000.0,28396.59,25408.22,29250.08,6946.89,False,0,1.76,5.35
LI-2024-INS004-000999,2001-08-24,8,69,77,1932,female,never_smoker,33.3,65,200,TX,USA,married,high_school,professional,107668.76,0.8045,full_paramedical,151,87,205,48,4.27,109,5.3,False,65.2,,False,False,False,True,False,none,,none,none,bipolar,9,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,50,UW-445,2.5,term_life,250000,annual,3696.74,20.0,none,,,,False,none,worksite,False,False,False,0.036209,0.138888,SOA_2015_VBT,SOA_Scale_MP2023,2.605,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054314,0.005,False,,1.0,True,2025-05-29,non_payment,8.0,0.05,0.0528,False,normal_rate,4.84,1.76,False,False,False,False,False,0.93,20.4,11.9,standard_longevity,42.4,baseline,0.897,0.706,True,20.6,False,,250000.0,18885.82,15038.76,17596.48,9419.29,False,0,3.24,-18.79
LI-2024-INS004-001000,2012-07-14,15,20,35,1992,male,never_smoker,32.5,71,232,MS,USA,married,some_college,professional,219495.97,0.8567,full_paramedical,122,73,188,28,6.71,98,4.7,False,92.1,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,29,UW-134,1.5,term_life,500000,semi_annual,2421.59,15.0,none,,,,False,none,captive_agent,False,False,False,0.001896,0.003662,SOA_2015_VBT,SOA_Scale_MP2023,1.669,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000948,0.022,False,,1.0,False,,,,0.03,0.0304,False,normal_rate,6.04,0.52,False,False,False,False,False,0.928,70.0,55.0,super_preferred_longevity,100.0,baseline,0.857,0.873,False,,False,,500000.0,19571.87,18762.16,19372.72,4601.02,False,0,1.92,10.74
LI-2024-INS004-001001,2018-11-21,8,27,35,1991,male,never_smoker,28.8,67,183,CT,USA,widowed,some_college,white_collar,20000.0,0.3096,accelerated_UW,105,67,231,43,5.37,83,5.1,False,,,False,True,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,40,UW-065,2.5,whole_life,500000,semi_annual,3971.81,,none,3260.69,,,False,none,direct_to_consumer,False,True,False,0.001896,0.009362,SOA_2015_VBT,SOA_Scale_MP2023,2.711,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002844,0.022,False,,1.0,False,,,,0.02,0.0407,False,normal_rate,1.92,2.37,False,False,False,False,False,0.975,66.6,64.1,super_preferred_longevity,100.0,baseline,1.268,0.287,True,80.8,False,,496739.31,32500.78,32116.7,31774.48,7546.44,False,0,-0.9,-20.0
LI-2024-INS004-001002,2018-04-04,6,33,39,1985,male,unknown,22.4,75,179,NV,USA,divorced,bachelors,light_blue_collar,52429.81,0.5404,full_paramedical,124,79,230,50,4.6,71,,False,105.0,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,37,UW-241,2.0,term_life,500000,annual,2989.86,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.002782,0.009038,SOA_2015_VBT,SOA_Scale_MP2023,2.054,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002782,0.02,False,,1.0,False,,,,0.05,0.0634,False,normal_rate,3.66,1.21,True,False,False,False,False,0.831,60.5,54.5,super_preferred_longevity,100.0,baseline,1.095,0.698,False,,False,,500000.0,24563.27,22746.91,23918.88,5680.73,False,0,3.41,-3.87
LI-2024-INS004-001003,2009-11-24,14,36,50,1973,female,never_smoker,22.4,62,122,DE,USA,married,graduate,white_collar,112388.76,0.7062,full_paramedical,121,74,182,52,3.5,90,5.1,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,4,UW-280,0.67,universal_life,500000,monthly,1484.71,,15yr_declining,1534.62,,,False,none,captive_agent,False,False,False,0.004288,0.002525,SOA_2015_VBT,SOA_Scale_MP2023,0.607,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0204,False,normal_rate,2.54,0.72,False,False,False,False,False,0.812,60.2,46.2,super_preferred_longevity,92.4,baseline,0.97,0.786,False,,False,,498465.38,12880.49,11941.35,11877.68,2820.95,False,0,4.36,22.51
LI-2024-INS004-001004,2002-01-14,25,41,66,1961,male,former_smoker,28.2,74,219,MO,USA,married,bachelors,white_collar,20000.0,0.4988,limited_exam,142,87,217,52,4.17,111,4.9,False,71.2,2.56,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-377,1.25,group_life,1000000,quarterly,6438.82,,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.025031,0.042162,SOA_2015_VBT,SOA_Scale_MP2023,1.274,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006258,0.015,False,,1.0,True,2025-12-27,voluntary_surrender,25.0,0.1,0.1821,False,normal_rate,1.86,0.59,False,False,False,False,False,0.8,48.3,24.4,standard_longevity,56.6,baseline,1.126,0.628,True,48.9,False,,1000000.0,47527.28,52878.38,51510.56,12233.76,False,0,2.24,15.08
LI-2024-INS004-001005,2023-03-27,1,79,80,1944,male,current_smoker,24.0,73,181,ME,USA,divorced,bachelors,white_collar,38273.78,0.2471,full_paramedical,151,91,202,46,4.39,88,,True,61.2,6.09,False,False,False,False,False,none,,none,moderate_gold_2,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,14,UW-239,1.0,universal_life,500000,monthly,2975.0,,15yr_declining,1985.34,,,False,none,captive_agent,False,False,False,0.117117,0.165211,SOA_2015_VBT,SOA_Scale_MP2023,1.073,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.12,0.1136,False,normal_rate,3.93,2.27,False,False,False,False,False,0.965,6.2,5.2,sub_standard_longevity,24.0,baseline,1.315,0.387,False,,False,,498014.66,6007.74,5285.48,6188.0,9174.9,False,0,4.48,19.25
LI-2024-INS004-001006,2023-12-07,2,78,80,1945,female,current_smoker,17.2,64,100,NV,USA,married,bachelors,white_collar,85365.8,0.8926,full_paramedical,140,81,220,66,3.33,76,4.6,True,74.1,,True,False,True,False,True,breast,0.7,none,none,bipolar,2,False,False,True,False,True,standard,,,False,True,False,False,43,UW-413,1.0,term_life,500000,semi_annual,3150.94,25.0,none,,,,False,none,worksite,False,False,False,0.094449,0.084172,SOA_2015_VBT,SOA_Scale_MP2023,1.073,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.069,False,normal_rate,1.12,2.98,False,False,False,False,False,0.869,17.0,15.0,standard_longevity,58.4,baseline,0.831,0.95,False,,False,,500000.0,17637.4,18786.53,18905.64,7247.16,False,0,3.87,18.67
LI-2024-INS004-001007,2009-06-07,14,51,65,1958,female,never_smoker,28.8,60,147,OR,USA,married,some_college,light_blue_collar,23919.69,0.8128,full_paramedical,134,92,218,67,3.25,116,,False,83.7,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,28,UW-286,2.0,indexed_ul,1000000,monthly,12067.49,,10yr_declining,13145.39,,,True,facultative,captive_agent,False,False,False,0.013789,0.039916,SOA_2015_VBT,SOA_Scale_MP2023,2.128,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013789,0.012,False,,1.0,False,,,,0.04,0.042,False,normal_rate,5.03,0.62,False,False,False,False,False,0.929,42.9,28.9,preferred_longevity,68.0,baseline,0.89,0.864,False,,False,,986854.61,95596.98,86208.7,96539.92,22928.23,False,0,2.53,-5.06
LI-2024-INS004-001008,2005-04-26,8,49,57,1956,male,never_smoker,23.0,64,134,ME,USA,divorced,some_college,white_collar,67623.24,0.8245,non_med_guaranteed,137,84,257,48,5.35,60,4.3,False,67.3,4.35,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-313,1.25,term_life,100000,monthly,536.22,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.008501,0.013293,SOA_2015_VBT,SOA_Scale_MP2023,1.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002125,0.012,False,,1.0,False,,,,0.05,0.0728,False,normal_rate,3.11,2.96,False,False,False,False,False,0.765,40.7,32.7,preferred_longevity,73.9,baseline,0.882,0.716,False,,False,,100000.0,4053.75,3881.25,4289.76,1018.82,False,0,3.97,18.43
LI-2024-INS004-001009,2023-05-19,1,42,43,1981,female,never_smoker,31.7,68,208,MA,USA,single,some_college,hazardous,121857.29,0.5365,full_paramedical,128,74,250,56,4.46,119,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,2.74,5.0,True,False,False,False,17,UW-063,2.25,term_life,500000,monthly,3709.36,20.0,none,,,,False,none,independent_broker,False,False,False,0.002537,0.010052,SOA_2015_VBT,SOA_Scale_MP2023,2.471,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.02,False,,1.0,False,,,,0.1,0.1271,False,normal_rate,2.9,2.38,False,True,False,False,False,0.79,54.9,55.7,super_preferred_longevity,100.0,baseline,1.098,0.509,True,44.1,False,,500000.0,30134.37,27739.45,29674.88,7047.78,False,0,2.64,-15.45
LI-2024-INS004-001010,2008-05-11,15,29,44,1979,female,former_smoker,29.5,61,155,AL,USA,single,some_college,professional,40417.59,0.8909,limited_exam,128,84,201,42,4.79,73,5.6,False,88.1,,False,False,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-427,1.25,term_life,1000000,monthly,4318.7,20.0,none,,,,True,excess_of_loss,direct_to_consumer,True,False,False,0.003542,0.005042,SOA_2015_VBT,SOA_Scale_MP2023,1.411,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000885,0.018,False,,1.0,False,,,,0.03,0.0415,False,normal_rate,1.78,1.68,False,False,False,False,False,0.842,68.9,53.9,super_preferred_longevity,100.0,baseline,0.832,0.929,False,,False,,1000000.0,36193.39,32760.75,34549.6,8205.53,False,0,2.86,16.23
LI-2024-INS004-001011,2009-06-16,13,63,76,1946,female,never_smoker,35.3,67,225,WV,USA,widowed,high_school,professional,90037.34,0.7833,full_paramedical,158,91,217,42,5.17,109,8.6,False,82.7,,True,False,False,False,False,none,,type_2,none,substance_use_disorder,6,False,False,False,False,True,standard,,,False,True,False,False,34,UW-496,1.0,universal_life,1000000,semi_annual,5895.92,,10yr_declining,6045.01,,,True,none,captive_agent,False,False,False,0.033613,0.031531,SOA_2015_VBT,SOA_Scale_MP2023,1.028,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0429,False,normal_rate,3.7,0.88,False,False,False,True,False,0.881,28.7,15.7,standard_longevity,47.8,baseline,0.913,0.843,False,,False,,993954.99,33686.28,33361.27,37026.38,13230.44,False,0,4.71,25.44
LI-2024-INS004-001012,2022-09-22,4,66,70,1956,male,never_smoker,32.6,67,208,MO,USA,married,bachelors,white_collar,29583.29,0.6106,full_paramedical,152,88,296,37,8.0,84,5.1,False,87.6,5.55,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-077,1.5,term_life,250000,monthly,2241.09,20.0,none,,,,False,none,worksite,False,False,False,0.025994,0.060987,SOA_2015_VBT,SOA_Scale_MP2023,1.645,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012997,0.012,True,0.00343,1.0,False,,,,0.07,0.0848,False,normal_rate,2.61,0.59,False,False,False,False,False,0.873,22.8,18.8,standard_longevity,49.9,baseline,1.042,0.54,False,,False,,250000.0,15961.9,16156.7,16853.0,4473.22,False,0,0.7,8.33
LI-2024-INS004-001013,2023-11-12,1,26,27,1997,female,never_smoker,23.8,64,138,KY,USA,divorced,bachelors,heavy_blue_collar,20000.0,0.4094,limited_exam,132,79,258,51,5.06,98,,False,,,True,False,False,False,False,none,,none,none,bipolar,1,False,False,True,False,True,substandard_table_4,0.56,4.0,False,False,False,False,54,UW-437,2.0,whole_life,500000,monthly,2405.38,,none,1510.06,,,False,none,independent_broker,True,False,False,0.001023,0.003587,SOA_2015_VBT,SOA_Scale_MP2023,2.101,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001023,0.022,False,,1.0,False,,,,0.06,0.0823,False,normal_rate,4.61,1.94,False,False,False,False,False,0.789,70.0,55.0,super_preferred_longevity,100.0,baseline,1.193,0.407,False,,False,,498489.94,18398.77,18929.89,19243.04,4570.22,False,0,-0.22,-4.02
LI-2024-INS004-001014,2008-03-13,2,25,27,1983,female,never_smoker,30.4,62,166,VT,USA,married,high_school,hazardous,92706.13,0.8944,accelerated_UW,120,73,200,38,5.26,123,,False,88.2,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_5,3.67,5.0,True,False,False,True,49,UW-179,2.25,whole_life,250000,monthly,1238.11,,none,830.47,,,True,none,employer_group,False,False,False,0.001023,0.003367,SOA_2015_VBT,SOA_Scale_MP2023,2.462,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001279,0.02,False,,1.0,False,,,,0.04,0.0473,False,normal_rate,3.18,2.44,False,False,False,False,False,0.922,70.0,55.0,super_preferred_longevity,100.0,baseline,0.829,0.839,False,,False,,249169.53,9926.59,9278.28,9904.88,2352.41,False,0,-1.52,-10.42
LI-2024-INS004-001015,2022-10-06,3,68,71,1954,female,former_smoker,30.0,63,169,MA,USA,single,high_school,light_blue_collar,20000.0,0.6957,full_paramedical,114,79,213,38,5.61,123,,False,80.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,18,UW-370,1.0,group_life,1000000,annual,5869.65,,none,,,,True,none,independent_broker,False,False,False,0.028796,0.031564,SOA_2015_VBT,SOA_Scale_MP2023,1.006,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00323,1.0,True,2026-01-15,unknown,3.0,0.15,0.1715,False,normal_rate,4.57,2.87,True,False,True,False,False,0.855,24.8,21.8,standard_longevity,55.6,baseline,0.978,0.692,False,,False,,1000000.0,50301.18,44386.33,46957.2,11152.33,False,0,3.3,16.48
LI-2024-INS004-001016,2019-08-25,7,75,82,1944,female,never_smoker,26.1,66,161,MA,USA,single,some_college,light_blue_collar,91027.38,0.7851,full_paramedical,135,80,229,38,6.03,92,5.6,False,70.1,,True,False,True,True,False,none,,none,none,none,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,26,UW-188,2.5,whole_life,2000000,annual,38650.95,,none,30797.6,,,True,facultative,independent_broker,False,False,False,0.055689,0.218205,SOA_2015_VBT,SOA_Scale_MP2023,2.654,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.083534,0.008,False,,1.0,False,,,,0.02,0.0214,False,normal_rate,2.7,0.74,False,False,False,False,False,0.943,19.4,12.4,standard_longevity,52.9,baseline,0.911,0.844,False,,False,,1969202.4,175755.52,186797.18,191708.71,96936.58,False,0,2.55,-20.0
LI-2024-INS004-001017,2018-06-21,8,23,31,1995,male,never_smoker,40.2,66,249,KS,USA,married,some_college,heavy_blue_collar,31787.42,0.3494,full_paramedical,127,78,186,39,4.77,122,5.0,True,,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,1.31,5.0,False,False,False,False,18,UW-150,2.25,term_life,1000000,monthly,5128.88,20.0,none,,,,True,coinsurance,bank,False,False,False,0.003064,0.012859,SOA_2015_VBT,SOA_Scale_MP2023,2.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00383,0.022,False,,1.0,False,,,,0.05,0.071,False,normal_rate,6.19,1.19,False,False,False,False,False,0.891,70.0,55.0,super_preferred_longevity,100.0,baseline,1.238,0.327,False,,False,,1000000.0,41872.15,39639.18,41031.04,9744.87,False,0,0.47,-16.41
LI-2024-INS004-001018,2004-09-19,8,79,87,1925,male,never_smoker,22.3,69,150,GA,USA,single,some_college,professional,23510.13,0.6006,full_paramedical,136,77,204,56,3.64,81,,False,70.0,8.16,False,False,False,False,True,prostate,13.2,none,none,schizophrenia,4,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,34,UW-305,2.25,indexed_ul,500000,quarterly,9256.09,,15yr_declining,7317.53,,,False,none,employer_group,False,False,False,0.077903,0.282736,SOA_2015_VBT,SOA_Scale_MP2023,2.267,cardiovascular,True,2008-11-24,False,False,994391.33,0.0007,5e-05,1.095,0.097379,0.012,False,,1.0,False,,,,0.06,0.0395,False,normal_rate,3.33,0.88,True,False,False,True,False,0.912,5.1,1.0,sub_standard_longevity,23.0,baseline,1.05,0.671,False,,False,,492682.47,3622.84,3152.09,3702.44,31655.83,False,0,2.73,-4.51
LI-2024-INS004-001019,2009-05-21,4,43,47,1966,male,former_smoker,19.4,64,112,WY,USA,married,bachelors,heavy_blue_collar,25157.47,0.6201,limited_exam,116,79,238,38,6.26,64,5.6,False,,2.41,False,False,False,False,False,none,,none,none,schizophrenia,12,False,False,False,True,True,substandard_table_5,1.14,5.0,False,False,False,False,36,UW-249,2.25,whole_life,500000,quarterly,4855.3,,none,3352.36,,,False,none,independent_broker,True,False,False,0.005526,0.020771,SOA_2015_VBT,SOA_Scale_MP2023,2.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006908,0.015,False,,1.0,False,,,,0.04,0.0482,False,normal_rate,3.51,2.26,False,False,False,False,False,0.847,47.6,43.6,super_preferred_longevity,87.2,baseline,1.035,0.743,False,,False,,496647.64,39359.17,40224.77,38842.4,9225.07,False,0,2.63,-13.64
LI-2024-INS004-001020,2000-10-04,5,19,24,1981,male,former_smoker,44.0,68,289,WI,USA,married,some_college,white_collar,65129.18,0.3952,full_paramedical,137,77,200,44,4.55,91,5.6,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-404,2.0,term_life,1000000,monthly,3736.36,30.0,none,,,,True,quota_share,independent_broker,False,False,False,0.001483,0.005403,SOA_2015_VBT,SOA_Scale_MP2023,2.196,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001483,0.02,False,,1.0,False,,,,0.07,0.0969,False,normal_rate,2.87,1.46,False,False,False,False,False,0.854,70.0,57.8,super_preferred_longevity,100.0,baseline,1.204,0.244,True,49.4,False,,1000000.0,30686.42,30208.45,29890.88,7099.08,False,0,0.98,-6.3
LI-2024-INS004-001021,2012-09-13,13,44,57,1968,female,current_smoker,28.3,63,159,AZ,USA,single,bachelors,heavy_blue_collar,31898.08,0.6654,full_paramedical,129,84,215,49,4.39,100,5.5,True,72.6,,False,True,True,False,False,none,,none,mild_gold_1,none,1,False,False,False,False,False,substandard_table_4,1.19,4.0,False,False,False,False,13,UW-233,2.0,whole_life,500000,quarterly,4171.47,,none,4255.73,,,False,none,direct_to_consumer,False,False,False,0.015163,0.048569,SOA_2015_VBT,SOA_Scale_MP2023,2.201,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015163,0.015,False,,1.0,False,,,,0.015,0.0245,False,normal_rate,4.4,1.8,False,False,False,False,False,0.824,54.1,41.1,super_preferred_longevity,94.1,baseline,1.001,0.716,False,,False,,495744.27,35288.02,29127.88,33371.76,7925.79,False,0,3.27,-8.49
LI-2024-INS004-001022,2013-07-03,10,74,84,1939,female,never_smoker,19.6,59,96,AZ,USA,single,bachelors,white_collar,20000.0,0.3991,limited_exam,150,93,166,57,2.91,104,5.4,False,81.2,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-185,2.0,universal_life,2000000,annual,29177.84,,15yr_declining,26140.08,,,True,facultative,direct_to_consumer,False,False,False,0.068713,0.243948,SOA_2015_VBT,SOA_Scale_MP2023,2.124,cardiovascular,True,2018-04-21,False,False,1765693.09,0.0007,5e-05,1.095,0.068713,0.005,False,,1.0,False,,,,0.06,0.0522,False,normal_rate,1.86,2.12,False,False,False,False,False,0.804,14.8,4.8,sub_standard_longevity,25.7,baseline,1.201,0.467,False,,False,,1973859.92,56566.73,50236.64,56021.45,90918.15,False,0,1.8,-8.85
LI-2024-INS004-001023,2010-09-02,12,60,72,1950,female,never_smoker,32.6,68,214,SD,USA,single,bachelors,white_collar,112114.02,0.2848,full_paramedical,134,82,204,52,3.92,113,4.8,False,74.8,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-383,1.25,term_life,1000000,monthly,7989.7,10.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.023034,0.04739,SOA_2015_VBT,SOA_Scale_MP2023,1.405,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005759,0.012,False,,1.0,False,,,,0.03,0.0442,False,normal_rate,3.49,2.87,False,False,False,False,False,0.92,30.6,21.2,standard_longevity,48.6,baseline,1.286,0.461,True,73.9,False,,1000000.0,67129.79,63230.07,63917.6,15180.43,False,0,2.22,6.67
LI-2024-INS004-001024,2009-01-17,10,46,56,1963,male,never_smoker,23.0,74,178,NM,USA,single,bachelors,professional,69541.66,0.5045,full_paramedical,127,63,219,49,4.47,98,,False,71.2,5.25,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,7,UW-264,0.6,annuity_deferred,250000,annual,715.11,,none,619.2,,,False,none,employer_group,True,False,False,0.008459,0.00537,SOA_2015_VBT,SOA_Scale_MP2023,0.566,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.0311,False,normal_rate,2.82,1.26,False,False,False,False,False,0.84,46.7,36.7,super_preferred_longevity,85.1,baseline,1.122,0.575,False,,False,,249380.8,5353.85,4973.02,5720.88,1358.71,False,0,5.5,30.74
LI-2024-INS004-001025,2019-02-09,2,45,47,1974,male,former_smoker,24.3,62,132,NM,USA,single,some_college,white_collar,37543.1,0.6795,full_paramedical,119,64,228,56,4.07,60,5.4,False,81.7,2.85,False,True,True,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,33,UW-053,2.5,term_life,500000,monthly,5438.58,15.0,none,,,,False,none,independent_broker,False,False,False,0.005526,0.022869,SOA_2015_VBT,SOA_Scale_MP2023,2.664,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008289,0.018,False,,1.0,True,2025-10-27,replacement,2.0,0.07,0.0809,False,normal_rate,5.24,1.57,False,False,True,False,False,0.957,50.3,48.3,super_preferred_longevity,100.0,baseline,0.99,0.652,False,,False,,500000.0,43670.32,37579.14,43508.64,10333.3,False,0,-0.35,-17.75
LI-2024-INS004-001026,2009-09-05,15,72,87,1937,female,unknown,31.9,68,209,RI,USA,married,some_college,heavy_blue_collar,67806.95,0.6561,non_med_guaranteed,155,104,253,52,4.87,98,,False,75.8,,True,False,False,False,False,none,,none,none,bipolar,16,False,False,True,True,True,substandard_table_4,0.55,4.0,False,False,False,False,52,UW-109,2.0,term_life,250000,monthly,3526.23,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.100951,0.30659,SOA_2015_VBT,SOA_Scale_MP2023,2.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.100951,0.005,False,,1.0,False,,,,0.03,0.0353,False,normal_rate,4.34,1.31,False,False,False,False,False,0.815,17.6,2.6,sub_standard_longevity,26.2,baseline,1.008,0.563,False,,False,,250000.0,3333.44,3546.36,3667.28,11608.35,False,0,1.79,-0.41
LI-2024-INS004-001027,2007-06-07,5,38,43,1969,male,former_smoker,35.7,71,256,IN,USA,single,bachelors,professional,54293.06,0.5886,full_paramedical,137,95,203,42,4.83,105,4.3,False,81.8,1.13,False,False,False,False,False,none,,none,none,depression,2,False,True,False,True,True,substandard_table_2,,2.0,False,False,False,False,14,UW-313,1.5,whole_life,1000000,semi_annual,4886.01,,none,3858.57,,,True,quota_share,captive_agent,False,False,False,0.004122,0.009022,SOA_2015_VBT,SOA_Scale_MP2023,1.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002061,0.015,False,,1.0,False,,,,0.04,0.0492,False,normal_rate,1.73,2.02,False,False,False,False,False,0.995,52.9,47.9,super_preferred_longevity,93.2,baseline,1.059,0.637,False,,False,,996141.43,40785.95,40835.01,39088.08,9283.42,False,0,2.88,9.7
LI-2024-INS004-001028,2005-12-12,10,77,87,1928,female,never_smoker,34.3,58,164,FL,USA,married,bachelors,professional,55876.1,0.7768,limited_exam,161,91,241,44,5.48,97,5.0,False,71.1,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-445,2.0,whole_life,250000,quarterly,3414.7,,none,3164.14,,,False,none,direct_to_consumer,False,False,False,0.064621,0.192673,SOA_2015_VBT,SOA_Scale_MP2023,2.16,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064621,0.012,False,,1.0,False,,,,0.02,0.0302,False,normal_rate,4.48,2.99,False,False,False,False,False,0.77,12.3,2.3,sub_standard_longevity,27.6,baseline,0.917,0.966,False,,False,,246835.86,3312.72,2706.88,3141.52,11323.15,False,0,3.86,-11.61
LI-2024-INS004-001029,2000-02-06,21,26,47,1974,male,never_smoker,26.6,76,218,IN,USA,married,bachelors,white_collar,28180.61,0.2637,full_paramedical,111,65,163,48,3.4,113,,False,,2.64,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-497,2.0,term_life,1000000,semi_annual,7606.44,20.0,none,,,,True,none,employer_group,False,False,False,0.004251,0.015909,SOA_2015_VBT,SOA_Scale_MP2023,2.106,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004251,0.018,False,,1.0,False,,,,0.03,0.0536,False,normal_rate,3.39,2.91,False,False,False,False,False,0.755,64.6,43.6,super_preferred_longevity,81.9,baseline,1.302,0.304,False,,False,,1000000.0,59388.36,63231.53,60851.52,14452.24,False,0,3.56,-13.57
LI-2024-INS004-001030,2013-09-24,11,54,65,1959,female,current_smoker,30.8,60,157,KY,USA,married,graduate,hazardous,20000.0,0.5404,full_paramedical,128,70,229,70,3.27,94,5.8,True,68.5,,True,False,False,False,True,breast,3.4,none,severe_gold_3,none,10,False,False,False,False,True,substandard_table_9,2.95,9.0,True,False,False,False,45,UW-263,3.25,term_life,250000,annual,4957.47,20.0,none,,,,False,none,independent_broker,False,False,False,0.027913,0.18289,SOA_2015_VBT,SOA_Scale_MP2023,3.93,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.062804,0.012,False,,1.0,False,,,,0.03,0.038,False,normal_rate,3.76,2.37,False,False,False,False,False,0.83,39.0,29.4,preferred_longevity,64.7,baseline,1.095,0.613,True,49.0,False,,250000.0,38359.52,33999.11,39659.76,9419.19,False,0,-0.4,-20.0
LI-2024-INS004-001031,2019-07-16,8,52,60,1967,female,never_smoker,25.2,58,120,CO,USA,married,bachelors,light_blue_collar,51441.41,0.8337,limited_exam,122,68,155,56,2.77,100,5.0,False,,,False,False,False,False,False,none,,none,none,none,12,False,False,False,False,False,preferred,,,False,False,False,False,17,UW-127,0.75,term_life,1000000,semi_annual,3556.75,15.0,none,,,,True,quota_share,bank,False,False,False,0.009766,0.006475,SOA_2015_VBT,SOA_Scale_MP2023,0.758,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0517,False,normal_rate,2.1,1.45,False,False,False,False,False,0.754,43.6,35.6,preferred_longevity,78.4,baseline,0.875,0.978,False,,False,,1000000.0,31227.96,27505.23,28454.0,6757.82,False,0,3.31,30.24
LI-2024-INS004-001032,2019-10-18,2,45,47,1974,female,never_smoker,27.7,65,166,NV,USA,married,bachelors,light_blue_collar,168570.23,0.656,full_paramedical,125,64,144,55,2.62,102,,False,78.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-435,0.75,group_life,500000,annual,1436.7,,none,,,,False,none,independent_broker,False,False,False,0.003401,0.002687,SOA_2015_VBT,SOA_Scale_MP2023,0.784,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,True,2025-07-11,non_payment,2.0,0.15,0.1763,False,normal_rate,5.06,1.5,False,False,False,False,False,0.803,51.2,49.2,super_preferred_longevity,96.1,baseline,1.008,0.789,False,,False,,500000.0,11584.03,11484.55,11493.6,2729.73,False,0,8.26,21.03
LI-2024-INS004-001033,2002-07-06,3,76,79,1926,male,current_smoker,23.4,72,172,WI,USA,single,bachelors,white_collar,23304.13,0.5252,full_paramedical,136,84,228,46,4.96,82,,True,68.7,3.26,False,False,True,False,False,none,,none,mild_gold_1,depression,0,False,True,False,True,True,substandard_table_4,,4.0,False,False,False,False,31,UW-170,2.0,whole_life,100000,quarterly,1486.72,,none,1001.07,,,False,none,captive_agent,False,False,False,0.07938,0.269471,SOA_2015_VBT,SOA_Scale_MP2023,2.165,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.07938,0.012,False,,1.0,False,,,,0.04,0.0512,False,normal_rate,3.81,2.75,False,False,False,False,False,0.927,11.0,8.0,standard_longevity,42.4,baseline,1.106,0.522,False,,False,,98998.93,4987.56,4204.51,4757.5,4252.02,False,0,3.01,-2.18
LI-2024-INS004-001034,2017-07-02,3,45,48,1972,female,former_smoker,27.6,70,192,NC,USA,single,less_than_hs,light_blue_collar,26152.48,0.7428,simplified_issue,131,96,192,56,3.43,112,,False,79.7,,False,True,True,False,False,none,,none,none,none,3,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-346,1.5,term_life,1000000,monthly,6860.64,25.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.004771,0.009223,SOA_2015_VBT,SOA_Scale_MP2023,1.52,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002385,0.018,False,,1.0,False,,,,0.07,0.0774,False,normal_rate,3.03,1.63,False,False,False,False,False,0.803,54.2,54.5,super_preferred_longevity,100.0,baseline,0.943,0.844,True,53.4,False,,1000000.0,58871.64,49784.98,54885.12,13035.22,False,0,-0.64,8.81
LI-2024-INS004-001035,2023-07-01,3,72,75,1951,male,never_smoker,28.0,62,153,VA,USA,married,high_school,white_collar,200744.44,0.6088,accelerated_UW,141,86,166,33,5.03,110,4.9,False,61.6,5.36,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,20,UW-332,2.25,whole_life,250000,monthly,3347.99,,none,2319.3,,,True,none,captive_agent,False,False,False,0.037877,0.14188,SOA_2015_VBT,SOA_Scale_MP2023,2.392,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.047346,0.012,False,,1.0,False,,,,0.04,0.1463,False,normal_rate,2.73,1.67,False,False,False,True,False,0.922,16.0,13.0,standard_longevity,41.1,baseline,1.043,0.525,False,,False,,247680.7,18850.49,17691.65,17409.55,8236.06,False,0,1.42,-6.69
LI-2024-INS004-001036,2019-02-03,6,48,54,1971,female,never_smoker,20.3,65,122,TX,USA,divorced,graduate,professional,204620.55,0.6395,full_paramedical,125,79,194,59,3.29,83,,True,79.5,,False,False,False,False,False,none,,none,none,anxiety,20,False,False,False,False,False,preferred_plus,,,False,False,False,False,13,UW-487,0.6,term_life,2000000,semi_annual,5357.73,20.0,none,,,,True,coinsurance,employer_group,False,False,False,0.011827,0.008206,SOA_2015_VBT,SOA_Scale_MP2023,0.68,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0713,False,normal_rate,1.75,1.54,False,False,False,False,False,0.914,47.6,41.6,super_preferred_longevity,84.5,baseline,1.02,0.933,False,,False,,2000000.0,41157.1,37641.4,42861.84,10179.69,False,0,2.95,26.45
LI-2024-INS004-001037,2006-02-12,7,37,44,1969,male,former_smoker,31.3,60,160,TN,USA,widowed,graduate,hazardous,37192.59,0.6818,full_paramedical,118,77,155,40,3.88,96,4.7,False,,1.32,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,3.32,4.0,True,False,False,False,12,UW-167,2.0,term_life,500000,monthly,3392.45,20.0,none,,,,False,none,independent_broker,False,False,False,0.004427,0.014,SOA_2015_VBT,SOA_Scale_MP2023,2.187,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004427,0.015,False,,1.0,False,,,,0.05,0.0577,False,normal_rate,4.33,1.62,False,False,False,False,False,0.829,54.3,47.3,super_preferred_longevity,93.7,baseline,0.989,0.751,False,,False,,500000.0,26354.1,25446.77,27139.6,6445.65,False,0,0.67,-2.51
LI-2024-INS004-001038,2007-11-08,6,40,46,1967,male,never_smoker,34.8,60,178,MO,USA,married,graduate,hazardous,61615.25,0.8909,accelerated_UW,122,82,226,37,6.11,101,5.0,False,77.4,1.64,False,False,True,False,False,none,,none,none,depression,0,False,True,True,False,True,substandard_table_2,3.5,2.0,True,False,False,True,41,UW-334,1.5,term_life,250000,semi_annual,1248.84,15.0,none,,,,False,none,independent_broker,False,False,False,0.003943,0.007007,SOA_2015_VBT,SOA_Scale_MP2023,1.535,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001972,0.015,False,,1.0,False,,,,0.05,0.0494,False,normal_rate,3.27,1.66,False,False,False,False,False,0.985,54.8,48.8,super_preferred_longevity,100.0,baseline,0.832,0.813,False,,False,,250000.0,10883.08,9859.27,9990.72,2372.8,False,0,4.05,5.1
LI-2024-INS004-001039,2006-07-16,17,44,61,1962,female,former_smoker,22.0,67,140,NM,USA,married,some_college,hazardous,46383.8,0.8833,limited_exam,120,64,244,43,5.67,97,4.8,False,95.3,,False,False,True,False,False,none,,none,none,anxiety,2,False,False,True,False,True,substandard_table_1,4.3,1.0,True,False,False,False,53,UW-001,1.25,term_life,2000000,monthly,12751.26,20.0,none,,,,True,quota_share,bank,False,False,False,0.013213,0.019759,SOA_2015_VBT,SOA_Scale_MP2023,1.487,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003303,0.015,False,,1.0,False,,,,0.03,0.0298,False,normal_rate,5.72,1.27,False,False,False,False,False,0.821,54.0,41.1,super_preferred_longevity,97.4,baseline,0.838,0.947,True,66.5,False,,2000000.0,92658.13,90969.77,102010.08,24227.39,False,0,1.14,12.84
LI-2024-INS004-001040,2010-12-05,1,43,44,1967,female,never_smoker,32.3,60,165,NC,USA,married,some_college,heavy_blue_collar,22868.15,0.6385,full_paramedical,114,65,230,41,5.61,115,5.8,True,,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,1.0,4.0,False,False,False,False,4,UW-217,2.0,whole_life,250000,monthly,2013.77,,none,1316.49,,,False,none,direct_to_consumer,False,False,False,0.005449,0.017684,SOA_2015_VBT,SOA_Scale_MP2023,2.199,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005449,0.015,False,,1.0,True,2026-05-04,voluntary_surrender,1.0,0.06,0.0999,False,normal_rate,2.4,2.58,False,False,False,False,False,0.926,51.8,50.8,super_preferred_longevity,98.3,baseline,1.021,0.484,False,,False,,248683.51,16556.19,16375.65,16110.16,3826.16,False,0,-1.79,-2.68
LI-2024-INS004-001041,2003-12-22,19,26,45,1977,female,unknown,34.7,58,166,GA,USA,single,bachelors,white_collar,29041.58,0.3818,limited_exam,135,69,265,45,5.89,87,4.8,False,,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,58,UW-081,2.0,whole_life,5000000,quarterly,36612.23,,none,48185.62,,,True,quota_share,captive_agent,False,False,False,0.003369,0.012361,SOA_2015_VBT,SOA_Scale_MP2023,2.199,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003369,0.018,False,,1.0,False,,,,0.015,0.0209,False,normal_rate,4.22,2.62,False,False,False,False,False,0.818,69.5,50.5,super_preferred_longevity,94.0,baseline,1.214,0.433,False,,False,,4951814.38,293423.54,268810.38,292897.84,69563.24,False,0,2.52,-6.64
LI-2024-INS004-001042,2000-07-05,1,70,71,1930,male,never_smoker,30.8,69,208,SC,USA,married,bachelors,light_blue_collar,151177.62,0.8196,accelerated_UW,136,84,220,30,7.33,108,5.6,False,,7.93,False,False,False,False,True,prostate,0.4,none,none,none,7,False,False,False,False,True,standard,,,False,True,False,True,35,UW-225,1.0,whole_life,250000,monthly,1361.08,,none,784.57,,,False,none,worksite,False,False,False,0.026533,0.025251,SOA_2015_VBT,SOA_Scale_MP2023,1.075,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.06,0.0627,False,normal_rate,3.29,2.68,False,False,False,False,False,0.786,15.2,14.2,standard_longevity,46.1,baseline,0.885,0.768,False,,False,,249215.43,8329.05,8062.95,7730.93,3217.59,False,0,1.38,24.35
LI-2024-INS004-001043,2016-05-21,2,34,36,1982,female,never_smoker,22.0,68,144,IN,USA,widowed,graduate,white_collar,85691.68,0.841,full_paramedical,120,79,233,60,3.88,78,4.9,False,87.1,,False,False,False,False,False,none,,none,none,none,2,True,False,False,False,False,preferred_plus,2.96,,True,False,False,False,30,UW-374,0.59,term_life,250000,monthly,398.71,25.0,none,,,,False,none,independent_broker,False,False,False,0.001608,0.000805,SOA_2015_VBT,SOA_Scale_MP2023,0.576,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0719,False,normal_rate,3.21,0.68,False,False,False,False,False,0.819,64.3,55.0,super_preferred_longevity,100.0,baseline,0.869,0.8,False,,False,,250000.0,3147.4,3235.94,3189.68,757.55,False,0,3.58,35.01
LI-2024-INS004-001044,2015-02-27,3,30,33,1985,female,never_smoker,26.5,70,184,WY,USA,single,high_school,heavy_blue_collar,185208.48,0.4242,simplified_issue,131,90,244,61,4.0,110,5.1,False,,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,0.55,4.0,False,False,False,False,26,UW-190,2.0,term_life,500000,quarterly,3145.56,25.0,none,,,,False,none,direct_to_consumer,True,False,False,0.001358,0.004646,SOA_2015_VBT,SOA_Scale_MP2023,2.048,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001358,0.02,False,,1.0,False,,,,0.07,0.1333,False,normal_rate,3.08,1.34,False,False,False,False,False,0.849,67.0,55.0,super_preferred_longevity,100.0,baseline,1.182,0.54,False,,False,,500000.0,22894.97,23669.66,25164.48,5976.56,False,0,5.22,-9.43
LI-2024-INS004-001045,2018-03-15,9,51,60,1967,female,former_smoker,23.8,66,147,NJ,USA,widowed,some_college,light_blue_collar,26807.56,0.2653,simplified_issue,141,86,195,54,3.61,77,6.3,False,,,True,False,True,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,23,UW-285,1.0,term_life,5000000,annual,22279.43,15.0,none,,,,True,none,independent_broker,False,False,False,0.012696,0.016518,SOA_2015_VBT,SOA_Scale_MP2023,1.0,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0744,False,normal_rate,3.09,2.35,False,False,False,False,False,0.897,45.3,36.3,super_preferred_longevity,80.9,baseline,1.301,0.185,False,,False,,5000000.0,180626.84,170483.08,178235.44,42330.92,False,0,2.39,13.19
LI-2024-INS004-001046,2004-06-19,8,44,52,1960,male,former_smoker,39.3,60,201,CO,USA,married,some_college,light_blue_collar,253983.82,0.852,full_paramedical,148,90,162,44,3.68,94,4.9,False,,1.62,False,False,False,False,True,prostate,0.2,none,none,bipolar,6,False,False,False,True,True,standard,,,False,True,False,False,28,UW-351,1.0,universal_life,500000,quarterly,2039.0,,10yr_declining,1651.49,,,False,none,worksite,False,False,False,0.007575,0.006776,SOA_2015_VBT,SOA_Scale_MP2023,1.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0275,False,normal_rate,3.46,1.27,False,False,False,False,False,0.785,46.6,41.1,super_preferred_longevity,86.9,baseline,0.861,0.664,True,53.4,False,,498348.51,15950.64,15147.96,16312.0,3874.1,False,0,1.53,26.9
LI-2024-INS004-001047,2024-05-09,2,75,77,1949,male,never_smoker,22.3,64,129,MD,USA,married,some_college,heavy_blue_collar,46035.01,0.5418,accelerated_UW,152,97,222,57,3.89,94,,False,,5.1,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,1.45,5.0,False,False,False,True,25,UW-081,2.25,indexed_ul,100000,annual,1506.89,,15yr_declining,1050.98,,,False,none,employer_group,False,False,False,0.046963,0.180378,SOA_2015_VBT,SOA_Scale_MP2023,2.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058704,0.008,False,,1.0,False,,,,0.08,0.0547,False,normal_rate,6.45,1.86,False,False,False,False,False,0.981,12.2,10.9,standard_longevity,37.0,baseline,1.094,0.595,True,55.9,False,,98949.02,7149.01,6539.35,6570.04,3960.11,False,0,5.39,-17.19
LI-2024-INS004-001048,2020-01-26,3,69,72,1951,male,former_smoker,23.1,71,165,CO,USA,divorced,bachelors,light_blue_collar,43993.74,0.3485,full_paramedical,145,90,205,35,5.86,97,4.7,False,84.7,3.48,False,False,True,False,False,none,,none,none,depression,17,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-072,1.25,term_life,500000,annual,3983.87,15.0,none,,,,False,none,bank,False,False,False,0.037885,0.075861,SOA_2015_VBT,SOA_Scale_MP2023,1.271,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009471,0.012,True,0.00675,1.0,False,,,,0.07,0.0995,False,normal_rate,4.82,1.97,False,False,False,False,False,0.865,21.0,18.0,standard_longevity,54.7,baseline,1.239,0.382,False,,False,,500000.0,30814.48,25168.64,28683.86,8206.77,False,0,1.82,9.7
LI-2024-INS004-001049,2002-06-01,23,63,86,1939,female,unknown,32.5,61,172,RI,USA,married,some_college,professional,164187.01,0.7618,limited_exam,129,73,221,33,6.7,70,5.7,False,74.7,,True,False,False,True,False,none,,pre_diabetes,none,anxiety,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,20,UW-354,2.5,universal_life,100000,monthly,1672.07,,15yr_declining,2587.78,,,True,none,captive_agent,True,False,False,0.0937,0.366178,SOA_2015_VBT,SOA_Scale_MP2023,2.593,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.14055,0.005,False,,1.0,False,,,,0.04,0.0436,False,normal_rate,1.97,2.34,False,False,False,False,False,0.858,27.3,4.3,sub_standard_longevity,30.4,baseline,0.929,0.694,False,,False,,97412.22,2763.24,2948.23,2875.96,5277.05,False,0,4.44,-17.6
LI-2024-INS004-001050,2023-01-05,3,71,74,1952,male,never_smoker,20.9,61,110,SC,USA,single,bachelors,light_blue_collar,20000.0,0.3196,full_paramedical,129,85,216,49,4.41,82,4.9,True,83.0,3.96,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,9,UW-200,0.79,annuity_deferred,1000000,annual,4875.58,,none,3117.66,,,True,quota_share,employer_group,False,False,False,0.07026,0.070042,SOA_2015_VBT,SOA_Scale_MP2023,0.791,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0693,False,normal_rate,2.07,0.95,False,False,False,False,False,0.885,16.0,13.0,standard_longevity,36.8,baseline,1.26,0.349,False,,False,,996882.34,26024.96,23893.39,25353.02,11993.93,False,0,5.66,25.56
LI-2024-INS004-001051,2023-02-22,3,58,61,1965,male,never_smoker,15.0,70,104,NH,USA,married,some_college,heavy_blue_collar,49214.71,0.5546,non_med_guaranteed,124,80,194,41,4.73,66,,False,79.6,3.3,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,declined,,,False,False,True,False,24,UW-421,7.0,group_life,500000,monthly,20295.82,,none,,,,False,none,employer_group,False,False,False,0.013294,0.181697,SOA_2015_VBT,SOA_Scale_MP2023,7.073,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.079765,0.015,False,,1.0,False,,,,0.15,0.2261,False,normal_rate,2.03,0.66,False,False,False,False,False,0.959,35.2,33.5,super_preferred_longevity,81.1,baseline,1.084,0.272,True,45.8,False,,500000.0,146842.73,145829.85,162366.56,38562.06,False,0,-5.0,-20.0
LI-2024-INS004-001052,2021-09-28,2,37,39,1984,female,former_smoker,25.3,60,129,WI,USA,divorced,graduate,white_collar,64378.06,0.3878,full_paramedical,121,75,197,59,3.34,113,,False,85.6,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-257,2.25,universal_life,100000,monthly,696.2,,15yr_declining,467.88,,,False,none,worksite,False,False,False,0.002516,0.015125,SOA_2015_VBT,SOA_Scale_MP2023,2.307,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003145,0.02,True,0.00496,1.0,False,,,,0.08,0.05,False,normal_rate,3.03,2.96,False,False,False,False,False,0.865,59.8,55.0,super_preferred_longevity,100.0,baseline,1.209,0.3,False,,False,,99532.12,5638.8,4847.47,5569.6,1322.78,False,0,2.39,-14.13
LI-2024-INS004-001053,2022-11-07,4,21,25,2001,female,never_smoker,24.0,67,153,WA,USA,married,bachelors,professional,58117.71,0.4665,full_paramedical,106,68,187,49,3.82,96,5.0,False,111.0,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-497,1.25,term_life,500000,monthly,1150.86,20.0,none,,,,False,none,captive_agent,False,False,False,0.000946,0.003811,SOA_2015_VBT,SOA_Scale_MP2023,1.338,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000237,0.012,True,0.00212,1.0,False,,,,0.07,0.0929,False,normal_rate,1.46,1.98,False,False,False,False,False,0.836,70.0,57.7,super_preferred_longevity,100.0,baseline,1.15,0.619,True,49.2,False,,500000.0,8759.08,8330.72,9206.88,2186.63,False,0,3.19,10.38
LI-2024-INS004-001054,2024-07-22,1,33,34,1991,female,never_smoker,36.8,65,221,NY,USA,married,high_school,heavy_blue_collar,53409.37,0.4075,limited_exam,145,80,255,50,5.1,117,5.7,False,,,False,True,False,False,False,none,,none,none,anxiety,1,False,False,False,True,True,substandard_table_1,0.53,1.0,False,False,False,False,32,UW-003,1.25,universal_life,250000,semi_annual,992.22,,10yr_declining,573.47,,,False,none,independent_broker,False,False,False,0.001434,0.002904,SOA_2015_VBT,SOA_Scale_MP2023,1.486,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.022,False,,1.0,False,,,,0.12,0.0742,False,normal_rate,4.12,1.69,False,False,False,False,False,0.779,65.0,55.0,super_preferred_longevity,100.0,baseline,1.194,0.404,False,,False,,249426.53,7468.65,7042.76,7937.76,1885.22,False,0,1.55,7.04
LI-2024-INS004-001055,2024-05-17,1,36,37,1988,male,unknown,29.1,76,239,WA,USA,single,some_college,hazardous,20000.0,0.5391,full_paramedical,139,96,216,38,5.68,93,,False,90.9,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,3.19,4.0,True,False,False,False,10,UW-136,2.0,term_life,1000000,quarterly,6423.65,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.002454,0.008134,SOA_2015_VBT,SOA_Scale_MP2023,2.112,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002454,0.02,False,,1.0,False,,,,0.1,0.1269,False,normal_rate,2.83,1.32,False,False,False,False,False,0.821,58.0,55.0,super_preferred_longevity,100.0,baseline,1.096,0.573,False,,False,,1000000.0,56465.08,44379.3,51389.2,12204.93,False,0,-1.8,-4.62
LI-2024-INS004-001056,2015-11-16,5,46,51,1969,male,never_smoker,35.2,66,217,TX,USA,married,graduate,white_collar,87267.24,0.5303,limited_exam,126,75,267,37,7.22,108,4.8,False,76.6,1.55,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-366,1.5,universal_life,1000000,annual,5828.78,,10yr_declining,4209.66,,,True,facultative,independent_broker,False,False,False,0.005801,0.013106,SOA_2015_VBT,SOA_Scale_MP2023,1.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0029,0.015,False,,1.0,False,,,,0.08,0.0459,False,normal_rate,2.6,1.51,False,False,False,False,False,0.837,44.7,45.9,super_preferred_longevity,89.3,baseline,1.102,0.443,True,78.2,False,,995790.34,49964.83,46834.47,46630.24,11074.68,False,0,2.12,6.43
LI-2024-INS004-001057,2002-03-03,3,36,39,1966,female,never_smoker,30.8,66,190,SC,USA,married,bachelors,professional,30185.41,0.5413,simplified_issue,154,91,138,53,2.6,102,5.6,False,93.9,,False,False,False,False,False,none,,none,none,bipolar,7,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-291,2.0,term_life,500000,monthly,3740.02,10.0,none,,,,False,none,captive_agent,False,False,False,0.001936,0.006577,SOA_2015_VBT,SOA_Scale_MP2023,2.192,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001936,0.015,False,,1.0,False,,,,0.07,0.0887,False,normal_rate,0.91,2.99,False,False,False,False,False,0.872,58.3,59.8,super_preferred_longevity,100.0,baseline,1.094,0.462,True,60.3,False,,500000.0,31329.77,27594.13,29920.16,7106.04,False,0,1.09,1.52
LI-2024-INS004-001058,2014-04-11,7,25,32,1989,female,never_smoker,24.1,71,172,NJ,USA,married,high_school,professional,117866.19,0.4136,simplified_issue,124,88,171,46,3.72,94,5.1,False,114.5,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,50,UW-077,1.25,whole_life,250000,annual,865.54,,none,654.29,,,False,none,bank,True,False,False,0.001289,0.002425,SOA_2015_VBT,SOA_Scale_MP2023,1.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000322,0.02,False,,1.0,False,,,,0.02,0.0274,False,normal_rate,3.67,1.79,False,False,False,False,False,0.874,70.0,55.5,super_preferred_longevity,100.0,baseline,1.19,0.422,True,36.1,False,,249345.71,7063.39,7011.54,6924.32,1644.53,False,0,5.09,7.94
LI-2024-INS004-001059,2004-10-26,11,47,58,1957,female,former_smoker,28.8,64,167,CT,USA,divorced,high_school,professional,28330.16,0.4351,full_paramedical,147,95,201,36,5.58,98,,False,,,False,True,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-499,1.5,term_life,500000,quarterly,3576.42,30.0,none,,,,False,none,independent_broker,False,False,False,0.009732,0.023336,SOA_2015_VBT,SOA_Scale_MP2023,1.617,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004866,0.012,False,,1.0,False,,,,0.03,0.0406,False,normal_rate,4.85,1.17,False,False,False,False,False,0.82,48.3,37.3,super_preferred_longevity,85.0,baseline,1.174,0.319,False,,False,,500000.0,26564.56,27352.02,28611.36,6795.2,False,0,1.62,3.59
LI-2024-INS004-001060,2004-11-02,6,55,61,1949,male,never_smoker,20.7,61,109,CO,USA,married,high_school,white_collar,76739.09,0.8968,non_med_guaranteed,97,56,162,78,2.08,118,,False,71.3,6.69,False,False,False,False,False,none,,none,none,bipolar,5,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,26,UW-441,2.0,group_life,500000,monthly,4936.3,,none,,,,False,none,captive_agent,False,False,False,0.011691,0.031588,SOA_2015_VBT,SOA_Scale_MP2023,2.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011691,0.008,False,,1.0,False,,,,0.12,0.4108,False,normal_rate,4.1,1.66,False,False,False,True,False,0.818,33.6,27.6,preferred_longevity,67.4,baseline,0.827,0.905,False,,False,,500000.0,42496.85,36011.9,39490.4,9378.97,False,0,1.03,-0.55
LI-2024-INS004-001061,2020-04-03,1,67,68,1953,female,unknown,30.6,60,156,IA,USA,married,bachelors,professional,144604.29,0.4651,full_paramedical,114,74,280,35,8.0,99,,False,86.6,,False,False,True,False,False,none,,none,none,substance_use_disorder,17,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-077,2.25,term_life,250000,monthly,3378.56,30.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.019372,0.079574,SOA_2015_VBT,SOA_Scale_MP2023,2.403,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024215,0.012,True,0.00177,1.0,False,,,,0.1,0.1328,False,normal_rate,3.88,2.22,True,False,False,False,False,0.755,27.8,26.8,preferred_longevity,69.7,baseline,1.151,0.526,False,,False,,250000.0,28518.04,24757.27,27028.48,6419.26,False,0,0.94,-17.0
LI-2024-INS004-001062,2013-08-02,8,47,55,1966,female,current_smoker,24.4,69,165,TN,USA,divorced,high_school,hazardous,50390.93,0.6971,full_paramedical,124,73,200,71,2.82,111,5.1,True,74.8,,False,True,False,False,False,none,,none,mild_gold_1,substance_use_disorder,2,False,False,False,False,False,substandard_table_7,4.58,7.0,True,False,False,False,24,UW-022,2.75,term_life,250000,monthly,3010.44,25.0,none,,,,False,none,worksite,False,False,False,0.012841,0.057642,SOA_2015_VBT,SOA_Scale_MP2023,2.803,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022471,0.015,False,,1.0,False,,,,0.05,0.0571,False,normal_rate,4.31,1.03,False,True,False,False,False,0.876,47.9,39.9,super_preferred_longevity,82.8,baseline,0.977,0.504,False,,False,,250000.0,23342.69,23742.97,24083.52,5719.84,False,0,-3.6,-20.0
LI-2024-INS004-001063,2015-03-13,11,30,41,1985,male,former_smoker,24.8,71,178,ID,USA,married,high_school,professional,84326.12,0.2881,full_paramedical,107,82,231,58,3.98,96,,False,92.8,0.58,False,False,True,False,True,prostate,0.5,none,none,substance_use_disorder,3,False,False,False,False,True,standard,,,False,True,False,False,40,UW-494,1.0,whole_life,500000,semi_annual,1783.49,,none,1657.94,,,True,excess_of_loss,independent_broker,False,False,False,0.00359,0.004936,SOA_2015_VBT,SOA_Scale_MP2023,1.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.022,False,normal_rate,3.69,2.99,False,False,False,False,False,0.769,65.5,56.3,super_preferred_longevity,100.0,baseline,1.284,0.44,True,44.2,False,,498342.06,12917.09,12336.45,14267.92,3388.63,False,0,7.64,15.8
LI-2024-INS004-001064,2003-09-16,22,18,40,1985,male,never_smoker,17.9,64,104,AR,USA,married,high_school,professional,39430.54,0.6117,full_paramedical,118,69,122,73,1.67,79,,False,76.6,1.59,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,22,UW-370,0.68,term_life,250000,monthly,582.25,20.0,none,,,,False,none,independent_broker,True,False,False,0.002583,0.001842,SOA_2015_VBT,SOA_Scale_MP2023,0.685,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0363,False,normal_rate,3.75,2.45,False,False,False,False,False,0.763,70.0,51.9,super_preferred_longevity,99.5,baseline,1.041,0.567,True,58.5,False,,250000.0,4414.5,4879.11,4658.0,1106.28,False,0,1.95,23.77
LI-2024-INS004-001065,2022-05-28,1,39,40,1983,male,unknown,30.8,66,190,NJ,USA,married,graduate,professional,35372.55,0.5234,non_med_guaranteed,150,87,244,53,4.6,114,4.9,False,112.9,0.9,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-213,1.5,term_life,500000,monthly,2635.3,20.0,none,,,,False,none,captive_agent,False,False,False,0.00297,0.012105,SOA_2015_VBT,SOA_Scale_MP2023,1.575,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001485,0.02,True,0.00544,1.0,True,2026-05-10,voluntary_surrender,1.0,0.1,0.1281,False,normal_rate,5.66,2.59,False,False,False,False,False,0.754,54.1,53.1,super_preferred_longevity,100.0,baseline,1.107,0.477,False,,False,,500000.0,20117.76,21005.08,21082.4,5007.07,False,0,0.56,7.31
LI-2024-INS004-001066,2015-04-17,3,69,72,1946,male,never_smoker,32.1,70,224,TX,USA,married,bachelors,heavy_blue_collar,122913.14,0.755,full_paramedical,146,88,229,48,4.77,94,5.2,False,69.5,3.87,True,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,0.92,2.0,False,False,False,False,5,UW-022,1.5,universal_life,100000,semi_annual,782.52,,15yr_declining,565.4,,,False,none,bank,False,False,False,0.029624,0.061948,SOA_2015_VBT,SOA_Scale_MP2023,1.704,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014812,0.008,False,,1.0,False,,,,0.08,0.0395,False,normal_rate,4.79,1.04,False,False,False,False,False,0.993,21.6,18.6,preferred_longevity,61.7,baseline,0.934,0.791,False,,False,,99434.6,5571.81,5098.16,5821.95,1574.43,False,0,3.69,8.26
LI-2024-INS004-001067,2020-11-13,2,79,81,1941,male,never_smoker,36.6,71,262,UT,USA,married,bachelors,light_blue_collar,26126.12,0.4026,full_paramedical,119,77,273,53,5.15,127,5.1,False,63.3,3.52,False,False,False,True,False,none,,none,none,none,9,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,42,UW-478,2.5,universal_life,100000,monthly,1782.47,,10yr_declining,1237.53,,,False,none,captive_agent,False,False,False,0.062334,0.289313,SOA_2015_VBT,SOA_Scale_MP2023,2.569,cardiovascular,True,2021-09-26,True,True,1481765.63,0.0007,5e-05,1.095,0.093501,0.008,True,0.00396,1.0,False,,,,0.08,0.0496,False,normal_rate,4.36,0.66,False,False,False,False,False,0.76,6.4,4.4,sub_standard_longevity,25.1,baseline,1.198,0.346,False,,False,,98762.47,3351.08,2972.23,3137.15,5611.22,False,0,-0.58,-20.0
LI-2024-INS004-001068,2001-07-12,13,30,43,1971,male,never_smoker,23.1,75,184,NM,USA,married,high_school,professional,136323.12,0.4126,full_paramedical,154,97,223,61,3.66,70,,False,,1.83,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-421,2.0,term_life,1000000,monthly,7023.64,20.0,none,,,,True,none,bank,False,False,False,0.003171,0.011198,SOA_2015_VBT,SOA_Scale_MP2023,2.126,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.018,False,,1.0,False,,,,0.03,0.0411,False,normal_rate,3.19,0.54,False,False,False,False,False,0.873,60.7,47.7,super_preferred_longevity,90.2,baseline,1.191,0.464,False,,False,,1000000.0,59660.38,48012.04,56189.12,13344.92,False,0,-0.91,-12.85
LI-2024-INS004-001069,2007-04-23,7,42,49,1965,male,never_smoker,26.5,64,154,PA,USA,married,bachelors,white_collar,20000.0,0.3043,accelerated_UW,115,62,188,48,3.92,92,5.1,False,101.8,3.42,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,28,UW-424,2.25,universal_life,2000000,annual,18910.36,,10yr_declining,14711.88,,,True,none,independent_broker,False,False,False,0.004956,0.020421,SOA_2015_VBT,SOA_Scale_MP2023,2.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006195,0.015,False,,1.0,False,,,,0.06,0.0393,False,normal_rate,2.73,1.65,False,False,False,False,False,0.966,47.2,42.1,super_preferred_longevity,80.2,baseline,1.272,0.191,True,48.6,False,,1985288.12,154826.1,150345.94,151282.88,35929.68,False,0,1.11,-16.66
LI-2024-INS004-001070,2016-09-12,4,71,75,1945,male,never_smoker,20.2,67,128,RI,USA,divorced,graduate,heavy_blue_collar,219867.94,0.5041,simplified_issue,149,87,186,58,3.21,108,5.6,False,83.4,4.54,True,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,standard,1.06,,False,True,False,False,18,UW-045,1.0,group_life,500000,annual,3298.92,,none,,,,False,none,captive_agent,True,False,False,0.038195,0.044524,SOA_2015_VBT,SOA_Scale_MP2023,1.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.15,0.1945,False,normal_rate,5.54,1.3,False,False,False,False,False,0.751,15.4,11.4,standard_longevity,37.2,baseline,1.122,0.459,False,,False,,500000.0,15049.01,14708.63,15043.08,8537.6,False,0,6.23,18.12
LI-2024-INS004-001071,2001-01-25,3,18,21,1983,male,never_smoker,31.7,65,190,LA,USA,divorced,bachelors,light_blue_collar,51563.89,0.668,full_paramedical,114,74,202,51,3.96,95,,False,,,False,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,preferred,,,False,False,False,False,19,UW-375,0.79,group_life,2000000,quarterly,2636.02,,none,,,,True,facultative,bank,False,False,False,0.001036,0.000815,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.15,0.1748,False,normal_rate,5.2,1.49,False,False,False,False,False,0.898,70.0,55.0,super_preferred_longevity,100.0,baseline,0.999,0.768,False,,False,,2000000.0,22903.74,20580.08,21088.16,5008.44,False,0,3.49,25.78
LI-2024-INS004-001072,2009-09-15,4,65,69,1944,female,current_smoker,32.7,67,208,NC,USA,married,high_school,light_blue_collar,81964.23,0.4744,full_paramedical,126,73,180,45,4.0,112,5.2,True,69.1,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,32,UW-446,2.75,whole_life,100000,monthly,1748.11,,none,1255.1,,,False,none,direct_to_consumer,False,False,False,0.035894,0.181589,SOA_2015_VBT,SOA_Scale_MP2023,2.892,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.062815,0.008,False,,1.0,False,,,,0.04,0.0739,False,normal_rate,4.85,1.99,False,False,False,False,False,0.923,25.1,21.1,standard_longevity,51.3,baseline,1.144,0.37,False,,False,,98744.9,13958.15,13236.41,13984.88,3321.41,False,0,-0.08,-20.0
LI-2024-INS004-001073,2020-09-01,4,20,24,2000,male,current_smoker,30.4,73,230,IL,USA,married,high_school,white_collar,54659.73,0.4645,limited_exam,107,62,238,36,6.61,115,5.0,True,113.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,29,UW-279,1.0,group_life,500000,annual,1105.95,,none,,,,False,none,captive_agent,False,False,False,0.002282,0.00405,SOA_2015_VBT,SOA_Scale_MP2023,1.025,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00136,1.0,False,,,,0.15,0.1993,False,normal_rate,4.64,0.67,False,False,False,False,False,0.907,70.0,55.0,super_preferred_longevity,100.0,baseline,1.152,0.405,False,,False,,500000.0,8954.58,7816.77,8847.6,2101.31,False,0,2.86,17.69
LI-2024-INS004-001074,2016-01-06,11,80,91,1936,female,never_smoker,20.8,71,148,WY,USA,married,bachelors,white_collar,56297.48,0.813,simplified_issue,147,89,230,54,4.26,81,,False,50.1,,False,False,False,False,False,none,,none,none,none,3,True,False,False,False,False,substandard_table_2,4.05,2.0,True,False,False,False,14,UW-380,1.5,term_life,1000000,monthly,10085.94,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.121841,0.241196,SOA_2015_VBT,SOA_Scale_MP2023,1.662,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.060921,0.005,False,,1.0,False,,,,0.03,0.0315,False,normal_rate,1.0,1.49,False,False,False,False,False,0.957,10.1,1.0,sub_standard_longevity,26.2,baseline,0.89,0.784,False,,False,,1000000.0,4122.85,3938.56,4034.38,34493.91,False,0,2.51,10.77
LI-2024-INS004-001075,2012-04-09,7,30,37,1982,male,former_smoker,24.2,61,128,KY,USA,single,graduate,hazardous,53163.56,0.3793,full_paramedical,107,66,179,50,3.58,111,5.5,False,94.4,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,standard_plus,2.75,,True,False,False,False,17,UW-057,0.99,term_life,1000000,quarterly,3140.45,25.0,none,,,,True,excess_of_loss,direct_to_consumer,True,False,False,0.002774,0.003194,SOA_2015_VBT,SOA_Scale_MP2023,0.947,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0978,False,normal_rate,4.24,0.56,False,False,False,False,False,0.798,62.4,55.0,super_preferred_longevity,100.0,baseline,1.216,0.298,False,,False,,1000000.0,24609.02,22928.7,25123.6,5966.85,False,0,3.55,24.02
LI-2024-INS004-001076,2009-07-04,3,73,76,1936,male,never_smoker,21.5,75,172,KY,USA,divorced,high_school,heavy_blue_collar,59111.45,0.589,accelerated_UW,144,105,275,56,4.91,95,5.3,False,50.8,13.67,False,False,False,True,False,none,,none,none,anxiety,3,False,False,False,False,True,substandard_table_6,0.85,6.0,False,False,False,True,19,UW-354,2.5,term_life,250000,quarterly,4235.08,20.0,none,,,,False,none,employer_group,True,False,False,0.042322,0.180062,SOA_2015_VBT,SOA_Scale_MP2023,2.603,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.063482,0.005,False,,1.0,False,,,,0.07,0.1032,False,normal_rate,5.09,2.13,False,False,False,False,False,0.848,12.2,9.2,standard_longevity,35.1,baseline,1.058,0.506,False,,False,,250000.0,14835.91,13308.67,15585.09,11705.76,False,0,1.81,-20.0
LI-2024-INS004-001077,2013-10-14,13,72,85,1941,female,current_smoker,26.6,65,160,CT,USA,divorced,high_school,white_collar,20000.0,0.6086,full_paramedical,138,80,217,51,4.25,65,,True,65.8,,False,False,False,True,False,none,,none,none,schizophrenia,7,True,False,False,False,True,substandard_table_8,4.89,8.0,True,False,False,False,31,UW-142,3.0,term_life,2000000,monthly,44046.54,30.0,none,,,,True,none,independent_broker,False,False,False,0.140617,0.775308,SOA_2015_VBT,SOA_Scale_MP2023,3.367,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.281233,0.008,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,1.89,0.71,True,False,False,False,False,0.976,18.2,5.2,sub_standard_longevity,29.4,baseline,1.044,0.558,False,,False,,2000000.0,90320.65,95347.09,91616.8,135839.53,False,0,-3.95,-20.0
LI-2024-INS004-001078,2008-04-17,16,34,50,1974,female,current_smoker,34.5,66,213,HI,USA,married,some_college,professional,88235.21,0.8412,full_paramedical,136,81,206,56,3.68,131,5.7,True,83.0,,False,False,False,False,False,none,,pre_diabetes,mild_gold_1,none,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,41,UW-057,2.0,annuity_immediate,2000000,monthly,17316.15,,none,,,,True,coinsurance,captive_agent,False,False,False,0.008575,0.02439,SOA_2015_VBT,SOA_Scale_MP2023,2.122,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008575,0.018,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.89,2.71,False,False,False,False,False,0.914,62.9,46.9,super_preferred_longevity,95.5,baseline,0.869,0.847,False,,False,,2000000.0,130545.71,143340.02,138529.2,32900.69,False,0,1.69,-1.84
LI-2024-INS004-001079,2005-05-12,14,25,39,1980,female,never_smoker,17.0,65,101,UT,USA,married,some_college,white_collar,20000.0,0.8124,full_paramedical,113,67,260,61,4.26,72,4.5,False,114.2,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred_plus,,,False,False,False,False,12,UW-182,0.61,universal_life,1000000,monthly,2153.33,,15yr_declining,2209.01,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.001936,0.000984,SOA_2015_VBT,SOA_Scale_MP2023,0.571,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0265,False,normal_rate,3.3,1.88,False,False,False,False,False,0.887,70.0,55.8,super_preferred_longevity,100.0,baseline,0.891,0.937,True,38.4,False,,997790.99,15947.0,15626.06,17226.64,4091.33,False,0,3.03,27.08
LI-2024-INS004-001080,2003-07-07,5,42,47,1961,female,never_smoker,25.3,66,156,TN,USA,married,graduate,white_collar,20000.0,0.5829,full_paramedical,105,69,213,45,4.73,99,4.8,False,99.8,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,19,UW-399,0.66,whole_life,1000000,semi_annual,2441.98,,none,1929.36,,,True,none,independent_broker,False,True,False,0.003201,0.002382,SOA_2015_VBT,SOA_Scale_MP2023,0.7,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,True,2026-04-29,non_payment,5.0,0.04,0.0493,False,normal_rate,4.13,1.47,False,False,False,False,False,0.916,51.7,46.7,super_preferred_longevity,91.3,baseline,1.063,0.627,False,,False,,998070.64,18629.71,19871.19,19535.84,4639.76,False,0,2.42,29.65
LI-2024-INS004-001081,2024-04-09,2,64,66,1960,male,unknown,37.5,71,268,AL,USA,married,bachelors,white_collar,125645.05,0.7681,simplified_issue,158,88,243,40,6.08,105,5.7,False,71.5,3.28,True,False,False,False,False,none,,none,none,none,2,True,False,False,False,False,substandard_table_2,4.82,2.0,True,False,False,False,12,UW-100,1.5,universal_life,500000,semi_annual,4738.79,,10yr_declining,2921.23,,,False,none,captive_agent,False,False,False,0.021811,0.042079,SOA_2015_VBT,SOA_Scale_MP2023,1.547,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010905,0.015,False,,1.0,False,,,,0.08,0.0391,False,normal_rate,3.53,2.81,False,False,False,False,False,0.932,26.3,24.0,preferred_longevity,60.0,baseline,0.924,0.583,False,,True,-0.2,497078.77,39817.03,36390.46,37910.32,9003.7,False,0,2.2,10.38
LI-2024-INS004-001082,2017-01-17,1,29,30,1988,female,never_smoker,28.4,71,203,NC,USA,married,high_school,professional,50990.16,0.8566,full_paramedical,120,68,213,50,4.26,74,5.6,False,88.8,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-301,1.25,indexed_ul,500000,annual,1425.39,,15yr_declining,961.36,,,False,none,bank,False,False,False,0.001168,0.001739,SOA_2015_VBT,SOA_Scale_MP2023,1.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000292,0.02,False,,1.0,False,,,,0.11,0.0502,False,normal_rate,3.07,1.93,False,False,False,False,False,0.935,70.0,55.0,super_preferred_longevity,100.0,baseline,0.858,0.947,False,,False,,499038.64,12061.82,11269.25,11403.12,2708.24,False,0,3.67,20.88
LI-2024-INS004-001083,2008-04-06,2,45,47,1963,male,former_smoker,28.1,69,190,AL,USA,divorced,some_college,professional,20000.0,0.6211,full_paramedical,116,69,195,43,4.53,78,4.9,False,,2.69,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-295,2.25,term_life,1000000,semi_annual,7911.11,20.0,none,,,,True,facultative,employer_group,False,False,False,0.005362,0.019987,SOA_2015_VBT,SOA_Scale_MP2023,2.396,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006702,0.015,False,,1.0,True,2025-09-25,unknown,2.0,0.07,0.1011,False,normal_rate,3.97,2.92,False,False,True,False,False,0.809,48.1,46.1,super_preferred_longevity,100.0,baseline,1.034,0.514,False,,False,,1000000.0,69521.66,65163.01,63288.88,15031.11,False,0,1.02,-6.87
LI-2024-INS004-001084,2009-09-24,8,49,57,1960,male,current_smoker,26.2,60,134,GA,USA,married,bachelors,light_blue_collar,140714.83,0.6613,accelerated_UW,152,104,239,45,5.31,80,4.5,True,57.4,1.85,False,True,False,False,False,none,,none,mild_gold_1,substance_use_disorder,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,True,25,UW-391,2.75,group_life,1000000,quarterly,14758.79,,none,,,,True,facultative,captive_agent,False,False,False,0.017574,0.082897,SOA_2015_VBT,SOA_Scale_MP2023,2.955,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030755,0.015,False,,1.0,False,,,,0.12,0.1405,False,normal_rate,5.02,1.74,False,False,False,False,False,0.762,40.8,32.8,preferred_longevity,71.6,baseline,1.004,0.582,False,,False,,1000000.0,121475.71,117942.11,118070.32,28041.7,False,0,-0.44,-20.0
LI-2024-INS004-001085,2011-04-08,8,43,51,1968,female,never_smoker,37.5,59,185,NM,USA,single,high_school,light_blue_collar,35134.76,0.7902,full_paramedical,149,100,240,25,9.6,110,5.5,False,,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-075,2.25,indexed_ul,5000000,monthly,42858.11,,15yr_declining,35888.38,,,True,excess_of_loss,employer_group,False,False,False,0.004641,0.015343,SOA_2015_VBT,SOA_Scale_MP2023,2.266,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005801,0.015,False,,1.0,False,,,,0.06,0.0346,False,normal_rate,1.4,2.18,False,False,False,False,False,0.82,52.6,51.9,super_preferred_longevity,100.0,baseline,0.907,0.88,True,80.1,False,,4964111.62,337588.0,329062.3,342864.88,81430.41,False,0,1.6,-11.99
LI-2024-INS004-001086,2002-04-26,9,46,55,1956,male,former_smoker,33.4,60,170,OR,USA,married,graduate,light_blue_collar,51421.64,0.449,non_med_guaranteed,130,86,181,38,4.76,76,5.8,False,82.6,4.7,False,False,False,False,False,none,,pre_diabetes,none,depression,5,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,32,UW-329,1.25,whole_life,500000,monthly,3022.74,,none,2776.83,,,False,none,captive_agent,False,False,False,0.009359,0.017646,SOA_2015_VBT,SOA_Scale_MP2023,1.406,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00234,0.012,False,,1.0,False,,,,0.02,0.0268,False,normal_rate,3.64,2.1,False,False,False,False,False,0.999,42.2,33.2,preferred_longevity,69.0,baseline,1.163,0.372,False,,False,,497223.17,24638.86,20693.05,24181.92,5743.21,False,0,5.38,13.05
LI-2024-INS004-001087,2019-05-02,1,51,52,1968,female,never_smoker,31.9,58,152,MA,USA,married,some_college,white_collar,126234.96,0.5472,full_paramedical,127,95,245,35,7.0,89,6.1,False,81.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-178,1.5,term_life,500000,monthly,2833.35,20.0,none,,,,False,none,captive_agent,False,False,False,0.005027,0.0117,SOA_2015_VBT,SOA_Scale_MP2023,1.677,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002514,0.015,False,,1.0,True,2026-05-07,non_payment,1.0,0.1,0.1262,False,normal_rate,6.65,2.51,False,False,False,False,False,0.895,43.6,47.6,super_preferred_longevity,92.1,baseline,1.09,0.462,True,68.3,False,,500000.0,21375.43,21527.97,22666.8,5383.37,False,0,3.66,8.98
LI-2024-INS004-001088,2011-12-12,7,63,70,1948,female,never_smoker,18.5,63,104,WA,USA,married,bachelors,heavy_blue_collar,46504.07,0.6187,full_paramedical,128,77,196,69,2.84,74,,False,72.1,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,1.24,,False,False,False,False,9,UW-012,1.05,whole_life,1000000,monthly,5504.86,,none,4637.83,,,True,coinsurance,independent_broker,False,False,False,0.020223,0.023281,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001011,0.008,False,,1.0,False,,,,0.02,0.0241,False,normal_rate,3.07,2.05,False,False,False,False,False,0.757,28.3,21.3,standard_longevity,53.7,baseline,1.036,0.627,False,,False,,995362.17,42828.72,38273.05,44038.88,10459.23,False,0,5.2,19.39
LI-2024-INS004-001089,2016-05-10,5,26,31,1990,male,never_smoker,34.7,60,177,TX,USA,divorced,bachelors,professional,75236.29,0.2359,full_paramedical,101,66,235,47,5.0,113,4.6,False,93.6,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-010,2.0,annuity_deferred,100000,monthly,569.89,,none,449.08,,,False,none,employer_group,False,False,False,0.001532,0.006018,SOA_2015_VBT,SOA_Scale_MP2023,2.213,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001532,0.022,False,,1.0,False,,,,0.04,0.1016,False,normal_rate,3.75,2.12,False,False,False,False,False,0.864,67.2,57.2,super_preferred_longevity,100.0,baseline,1.323,0.476,True,45.9,False,,99550.92,4606.22,4627.58,4559.12,1082.79,False,0,2.2,-9.6
LI-2024-INS004-001090,2024-12-07,3,68,71,1956,female,former_smoker,31.0,68,204,MT,USA,married,some_college,professional,78440.62,0.6037,limited_exam,133,99,229,51,4.49,76,,False,,,False,False,False,False,False,none,,none,none,none,1,True,False,False,False,False,substandard_table_2,3.04,2.0,True,False,False,False,6,UW-068,1.5,term_life,1000000,annual,8786.66,25.0,none,,,,True,none,direct_to_consumer,True,False,False,0.0295,0.065384,SOA_2015_VBT,SOA_Scale_MP2023,1.639,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01475,0.012,False,,1.0,False,,,,0.07,0.1193,False,normal_rate,4.57,2.98,False,False,False,False,False,0.807,24.8,21.8,standard_longevity,54.3,baseline,1.047,0.682,False,,False,,1000000.0,75305.82,68286.39,70293.28,16694.65,False,0,3.79,4.06
LI-2024-INS004-001091,2005-07-01,15,23,38,1982,non_binary,unknown,29.6,65,178,MI,USA,married,high_school,heavy_blue_collar,87784.51,0.6364,full_paramedical,100,71,227,51,4.45,86,5.6,False,,,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,1.34,4.0,False,False,False,False,9,UW-331,2.0,universal_life,250000,annual,1654.26,,15yr_declining,1909.03,,,False,none,employer_group,True,False,False,0.00235,0.007233,SOA_2015_VBT,SOA_Scale_MP2023,2.032,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00235,0.02,False,,1.0,True,2025-11-07,non_payment,15.0,0.04,0.0257,False,normal_rate,2.19,1.05,False,False,False,False,False,0.96,70.0,55.0,super_preferred_longevity,100.0,baseline,1.023,0.709,False,,False,,248090.97,14160.82,11719.32,13234.08,3143.09,False,0,-1.29,-8.78
LI-2024-INS004-001092,2023-09-15,2,39,41,1984,female,former_smoker,22.1,62,121,KS,USA,single,high_school,white_collar,30384.01,0.2444,limited_exam,130,73,132,55,2.4,100,,False,98.9,,False,True,False,False,False,none,,none,none,schizophrenia,2,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-050,2.25,whole_life,5000000,quarterly,41101.98,,none,26979.54,6070.4,0.225,True,coinsurance,employer_group,False,False,False,0.002872,0.013039,SOA_2015_VBT,SOA_Scale_MP2023,2.499,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00359,0.02,False,,1.0,False,,,,0.04,0.0607,False,normal_rate,1.73,2.56,False,False,False,False,False,0.798,57.2,55.0,super_preferred_longevity,98.7,baseline,1.317,0.263,False,,False,,4973020.46,307666.01,315317.04,328815.84,78093.76,False,0,0.31,-15.82
LI-2024-INS004-001093,2022-04-10,1,18,19,2004,male,current_smoker,29.4,69,199,VT,USA,married,bachelors,professional,69678.56,0.6529,non_med_guaranteed,121,75,175,49,3.57,86,4.9,True,96.5,,False,True,False,False,False,none,,none,none,schizophrenia,9,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,18,UW-355,2.75,term_life,1000000,semi_annual,4189.34,30.0,none,,,,True,facultative,worksite,False,False,False,0.00196,0.012243,SOA_2015_VBT,SOA_Scale_MP2023,2.842,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00343,0.012,True,0.00319,1.0,False,,,,0.1,0.1178,False,normal_rate,5.97,0.96,False,False,False,True,False,0.807,70.0,55.0,super_preferred_longevity,100.0,baseline,1.01,0.672,False,,False,,1000000.0,32860.64,31068.53,33514.72,7959.75,False,0,0.42,-20.0
LI-2024-INS004-001094,2006-11-24,12,30,42,1976,female,former_smoker,33.8,67,215,SD,USA,married,graduate,light_blue_collar,63789.43,0.8608,full_paramedical,111,56,222,27,8.22,114,9.5,False,71.7,,False,False,False,False,False,none,,type_2,none,substance_use_disorder,2,False,False,False,True,True,standard,,,False,True,False,False,34,UW-488,1.0,universal_life,1000000,annual,3757.52,,15yr_declining,3564.58,,,True,facultative,captive_agent,False,False,False,0.003075,0.002696,SOA_2015_VBT,SOA_Scale_MP2023,1.026,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0182,False,normal_rate,3.85,2.2,False,False,False,False,False,0.835,67.3,55.0,super_preferred_longevity,100.0,baseline,0.854,0.948,False,,False,,996435.42,32606.35,27422.92,30060.16,7139.29,False,0,3.72,22.87
LI-2024-INS004-001095,2012-07-18,7,69,76,1943,female,never_smoker,30.6,61,161,RI,USA,married,some_college,white_collar,44507.13,0.8989,full_paramedical,127,92,252,30,8.4,92,5.1,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,45,UW-419,1.75,universal_life,500000,monthly,5526.39,,10yr_declining,4553.25,,,False,none,captive_agent,False,False,False,0.032813,0.075363,SOA_2015_VBT,SOA_Scale_MP2023,1.873,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024609,0.008,False,,1.0,False,,,,0.06,0.0265,False,normal_rate,5.41,0.68,False,False,False,False,False,0.92,22.7,15.7,standard_longevity,49.5,baseline,0.826,0.853,False,,False,,495446.75,34383.5,33539.38,34705.73,12401.22,False,0,-1.32,4.24
LI-2024-INS004-001096,2002-02-13,24,20,44,1982,female,current_smoker,23.9,65,143,DE,USA,married,high_school,white_collar,20000.0,0.3113,full_paramedical,128,76,156,40,3.9,99,,True,89.3,,False,False,False,False,False,none,,none,none,depression,14,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,26,UW-159,1.75,term_life,500000,monthly,2935.66,20.0,none,,,,False,none,bank,False,False,False,0.005449,0.01753,SOA_2015_VBT,SOA_Scale_MP2023,1.948,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004087,0.02,False,,1.0,False,,,,0.03,0.0435,False,normal_rate,4.71,0.66,False,False,False,False,False,0.82,70.0,46.0,super_preferred_longevity,86.2,baseline,1.267,0.393,False,,False,,500000.0,21745.72,21856.44,23485.28,5577.75,False,0,2.77,3.95
LI-2024-INS004-001097,2012-02-25,4,26,30,1986,female,never_smoker,27.8,62,151,SD,USA,divorced,graduate,white_collar,149667.78,0.3772,accelerated_UW,105,61,155,48,3.23,112,5.2,False,107.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,True,4,UW-366,0.68,whole_life,2000000,quarterly,3865.64,,none,2623.74,,,True,none,worksite,False,False,False,0.001168,0.000866,SOA_2015_VBT,SOA_Scale_MP2023,0.609,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0559,False,normal_rate,3.91,1.91,False,False,False,False,False,0.906,70.0,59.6,super_preferred_longevity,100.0,baseline,1.217,0.462,True,59.3,False,,1997376.26,29814.66,29022.68,30925.12,7344.72,False,0,3.51,25.38
LI-2024-INS004-001098,2009-09-21,11,78,89,1931,male,never_smoker,31.9,72,235,MN,USA,single,high_school,white_collar,67971.69,0.2762,limited_exam,146,78,189,37,5.11,105,5.6,False,46.3,6.4,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-425,2.25,term_life,2000000,monthly,32321.32,15.0,none,,,,True,coinsurance,employer_group,True,False,False,0.125909,0.533085,SOA_2015_VBT,SOA_Scale_MP2023,2.308,cancer,True,2016-06-24,False,False,104078.38,0.0007,5e-05,1.095,0.157386,0.005,False,,1.0,False,,,,0.03,0.0532,False,normal_rate,4.3,1.86,False,False,False,False,False,0.977,5.2,1.0,sub_standard_longevity,18.1,baseline,1.293,0.273,False,,False,,2000000.0,13330.45,11350.71,12928.53,110538.91,False,0,2.39,-7.41
LI-2024-INS004-001099,2021-09-21,5,79,84,1942,male,never_smoker,31.0,62,169,AR,USA,widowed,graduate,professional,57549.24,0.7727,full_paramedical,156,98,289,71,4.07,109,,False,68.8,4.45,False,True,False,False,True,lung,13.2,none,none,none,4,False,False,False,False,True,declined,,,False,False,True,False,28,UW-420,7.0,universal_life,1000000,quarterly,48035.24,,10yr_declining,34640.63,,,True,excess_of_loss,captive_agent,False,False,False,0.081343,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.565,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.488056,0.008,True,0.00423,1.0,False,,,,0.08,0.0389,False,normal_rate,5.58,2.97,False,False,False,False,False,0.916,8.0,3.0,sub_standard_longevity,28.6,baseline,0.92,0.69,False,,False,,965359.37,59470.73,51132.02,57642.29,156594.88,False,0,-5.0,-20.0
LI-2024-INS004-001100,2019-06-19,2,19,21,2000,male,never_smoker,32.0,70,223,AR,USA,single,some_college,heavy_blue_collar,93329.71,0.3383,full_paramedical,104,59,197,41,4.8,116,,False,102.9,,False,False,False,False,False,none,,none,none,anxiety,18,False,False,False,False,False,preferred,0.68,,False,False,False,False,18,UW-093,0.78,term_life,2000000,annual,3129.78,20.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.001036,0.001065,SOA_2015_VBT,SOA_Scale_MP2023,0.825,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.1401,False,normal_rate,3.33,2.6,False,False,False,False,False,0.842,70.0,64.5,super_preferred_longevity,100.0,baseline,1.246,0.413,True,82.5,False,,2000000.0,27165.13,22710.39,25038.24,5946.58,False,0,6.9,24.15
LI-2024-INS004-001101,2011-09-27,13,31,44,1980,male,never_smoker,26.5,76,217,PA,USA,married,graduate,white_collar,20000.0,0.3636,limited_exam,134,88,208,57,3.65,81,5.1,False,87.2,3.06,False,True,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-177,2.25,term_life,500000,monthly,3937.04,15.0,none,,,,False,none,worksite,False,False,False,0.003406,0.014418,SOA_2015_VBT,SOA_Scale_MP2023,2.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004257,0.02,False,,1.0,False,,,,0.03,0.0423,False,normal_rate,2.84,2.47,False,False,False,False,False,0.785,61.1,43.7,super_preferred_longevity,83.5,baseline,1.227,0.299,True,0.0,False,,500000.0,31474.91,28414.09,31496.32,7480.38,False,0,1.8,-19.99
LI-2024-INS004-001102,2000-01-28,22,80,102,1920,female,never_smoker,26.4,63,149,TN,USA,married,bachelors,professional,60615.75,0.2817,full_paramedical,155,88,270,58,4.66,95,,False,34.7,,False,True,False,False,False,none,,none,none,substance_use_disorder,11,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-136,2.25,term_life,1000000,semi_annual,18986.72,20.0,none,,,,True,none,independent_broker,False,False,False,0.189673,0.832293,SOA_2015_VBT,SOA_Scale_MP2023,2.435,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.237091,0.012,False,,1.0,False,,,,0.03,0.0442,False,normal_rate,3.34,2.65,False,False,False,False,False,0.831,6.1,1.0,sub_standard_longevity,18.2,baseline,1.289,0.313,False,,False,,1000000.0,7365.74,7649.19,7594.69,64934.58,False,0,3.52,-13.47
LI-2024-INS004-001103,2012-10-19,3,71,74,1941,male,never_smoker,27.4,66,169,WY,USA,married,bachelors,white_collar,85338.81,0.5887,non_med_guaranteed,129,77,239,49,4.88,129,5.2,False,61.5,6.38,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-252,0.77,indexed_ul,500000,semi_annual,2121.34,,10yr_declining,1385.87,,,False,none,worksite,False,False,False,0.033894,0.027409,SOA_2015_VBT,SOA_Scale_MP2023,0.764,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.08,0.0442,False,normal_rate,3.12,1.61,False,False,False,False,False,0.951,15.1,12.0,standard_longevity,39.3,baseline,1.058,0.567,True,31.4,False,,498614.13,9395.4,10604.74,10182.43,5388.2,False,0,5.41,23.09
LI-2024-INS004-001104,2011-10-26,5,41,46,1970,male,former_smoker,15.4,63,90,NY,USA,married,some_college,white_collar,33293.37,0.5111,simplified_issue,118,74,184,70,2.63,90,,False,88.5,1.23,False,True,False,False,False,none,,none,none,none,2,False,False,False,True,True,declined,,,False,False,True,False,39,UW-342,7.0,universal_life,250000,annual,5898.83,,15yr_declining,4588.7,,,False,none,independent_broker,False,False,False,0.005126,0.066442,SOA_2015_VBT,SOA_Scale_MP2023,6.234,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030757,0.018,False,,1.0,False,,,,0.08,0.0465,False,normal_rate,2.27,1.69,False,False,False,False,False,0.764,50.0,45.0,super_preferred_longevity,87.7,baseline,1.117,0.422,False,,False,,245411.3,43693.42,47461.57,47190.64,11207.78,False,0,-5.0,-20.0
LI-2024-INS004-001105,2023-02-06,3,34,37,1989,female,never_smoker,28.4,62,155,NM,USA,married,some_college,heavy_blue_collar,40844.64,0.621,full_paramedical,98,55,190,71,2.68,94,,False,95.3,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,1.45,4.0,False,False,False,False,6,UW-323,2.0,term_life,1000000,monthly,6048.51,15.0,none,,,,True,none,independent_broker,False,False,False,0.001707,0.00541,SOA_2015_VBT,SOA_Scale_MP2023,2.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001707,0.02,False,,1.0,False,,,,0.07,0.0842,False,normal_rate,3.57,2.46,False,False,False,False,False,0.97,64.4,55.0,super_preferred_longevity,100.0,baseline,1.034,0.451,False,,False,,1000000.0,47784.92,41376.31,48388.08,11492.17,False,0,2.69,-13.79
LI-2024-INS004-001106,2022-04-07,3,70,73,1952,female,never_smoker,18.2,61,96,MS,USA,divorced,less_than_hs,white_collar,49882.52,0.6234,full_paramedical,135,91,185,50,3.7,76,,False,80.4,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-355,2.0,term_life,500000,semi_annual,6513.24,30.0,none,,,,False,none,employer_group,False,False,False,0.025752,0.087118,SOA_2015_VBT,SOA_Scale_MP2023,2.129,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025752,0.012,True,0.00476,1.0,False,,,,0.07,0.1009,False,normal_rate,5.8,0.64,False,False,False,False,False,0.973,22.3,19.3,standard_longevity,50.8,baseline,1.032,0.717,False,,False,,500000.0,51619.53,44416.67,50282.21,12739.9,False,0,2.93,-6.38
LI-2024-INS004-001107,2000-07-01,18,75,93,1925,female,former_smoker,23.4,61,123,GA,USA,single,bachelors,light_blue_collar,80396.26,0.1986,limited_exam,137,87,201,55,3.65,106,,False,60.6,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-062,2.25,term_life,500000,monthly,7585.43,20.0,none,,,,False,none,captive_agent,False,False,False,0.132943,0.576955,SOA_2015_VBT,SOA_Scale_MP2023,2.287,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.166179,0.012,False,,1.0,False,,,,0.03,0.0462,False,normal_rate,3.25,1.07,False,False,False,False,False,0.962,11.5,1.0,sub_standard_longevity,17.0,baseline,1.351,0.202,False,,False,,500000.0,3276.06,3113.62,3034.17,25942.17,False,0,-1.27,-19.51
LI-2024-INS004-001108,2016-04-18,11,51,62,1965,female,never_smoker,15.0,66,92,RI,USA,married,graduate,white_collar,242265.59,0.7753,full_paramedical,120,57,173,67,2.58,92,,False,86.7,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,declined,,,False,False,True,False,9,UW-076,7.0,annuity_deferred,2000000,annual,67493.33,,none,61214.28,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.011586,0.1442,SOA_2015_VBT,SOA_Scale_MP2023,7.018,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.069515,0.015,False,,1.0,False,,,,0.01,0.0151,False,normal_rate,3.69,1.62,False,False,False,False,False,0.92,44.1,34.4,preferred_longevity,75.7,baseline,0.919,0.895,True,45.7,False,,1938785.72,541666.75,524874.66,539946.64,128237.33,False,0,-5.0,-20.0
LI-2024-INS004-001109,2019-08-26,5,34,39,1985,male,never_smoker,33.0,70,229,NH,USA,single,high_school,light_blue_collar,23314.21,0.6538,full_paramedical,131,85,216,58,3.72,72,5.4,False,88.3,,True,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-002,1.25,universal_life,500000,quarterly,1897.25,,10yr_declining,1374.38,,,False,none,bank,False,False,False,0.002419,0.004135,SOA_2015_VBT,SOA_Scale_MP2023,1.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000605,0.02,False,,1.0,False,,,,0.08,0.0424,False,normal_rate,1.69,2.33,False,False,False,False,False,0.875,60.0,63.9,super_preferred_longevity,100.0,baseline,1.01,0.607,True,79.7,False,,498625.62,16683.11,14423.77,15178.0,3604.77,False,0,4.8,16.54
LI-2024-INS004-001110,2018-01-06,9,33,42,1985,female,unknown,33.2,67,212,ME,USA,married,high_school,heavy_blue_collar,81655.29,0.7178,full_paramedical,132,83,184,51,3.61,78,4.9,False,65.0,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,standard_plus,0.78,,False,False,False,False,17,UW-168,0.92,whole_life,2000000,monthly,6893.31,,none,6069.5,2919.43,0.481,True,excess_of_loss,captive_agent,False,True,False,0.00272,0.002388,SOA_2015_VBT,SOA_Scale_MP2023,0.913,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0135,False,normal_rate,5.37,1.64,False,False,False,False,False,0.967,65.2,55.0,super_preferred_longevity,100.0,baseline,0.962,0.702,False,,True,1.919,1993930.5,54249.06,54765.67,55146.48,13097.29,False,0,4.46,20.37
LI-2024-INS004-001111,2008-12-20,17,68,85,1940,female,never_smoker,24.2,69,163,DE,USA,married,some_college,white_collar,20000.0,0.5312,non_med_guaranteed,145,89,221,62,3.56,84,5.3,False,80.6,,False,False,False,False,False,none,,none,none,none,1,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-062,1.25,group_life,500000,monthly,5066.34,,none,,,,False,none,captive_agent,False,False,False,0.069746,0.117625,SOA_2015_VBT,SOA_Scale_MP2023,1.304,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017436,0.008,False,,1.0,False,,,,0.1,0.1275,False,normal_rate,4.74,2.44,False,False,False,False,False,0.957,21.8,4.8,sub_standard_longevity,27.7,baseline,1.102,0.719,False,,False,,500000.0,9472.86,8668.64,9727.37,15786.72,False,0,2.83,8.43
LI-2024-INS004-001112,2007-08-24,4,32,36,1975,male,current_smoker,25.0,71,179,AK,USA,married,high_school,light_blue_collar,42779.26,0.8086,full_paramedical,103,69,201,64,3.14,67,5.1,True,91.1,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-427,1.5,whole_life,100000,monthly,465.32,,none,342.88,,,False,none,independent_broker,False,False,False,0.00402,0.007922,SOA_2015_VBT,SOA_Scale_MP2023,1.646,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.018,False,,1.0,True,2025-10-09,voluntary_surrender,4.0,0.04,0.0421,False,normal_rate,5.38,2.58,False,False,False,False,False,0.978,60.9,55.0,super_preferred_longevity,100.0,baseline,0.894,0.773,False,,False,,99657.12,3984.33,3595.1,3722.56,884.11,False,0,1.08,4.33
LI-2024-INS004-001113,2024-05-18,2,43,45,1981,male,never_smoker,22.8,73,172,KY,USA,married,high_school,heavy_blue_collar,25518.97,0.1913,non_med_guaranteed,124,76,218,48,4.54,81,,False,107.6,0.63,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,1.03,,False,False,False,False,18,UW-475,0.63,annuity_deferred,1000000,monthly,2371.05,,none,1578.66,,,True,none,independent_broker,False,False,False,0.003662,0.003209,SOA_2015_VBT,SOA_Scale_MP2023,0.646,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0866,False,normal_rate,3.93,0.87,False,False,False,False,False,0.966,48.5,46.5,super_preferred_longevity,85.1,baseline,1.357,0.236,False,,False,,998421.34,19834.26,17578.8,18968.4,4505.0,False,0,2.75,22.66
LI-2024-INS004-001114,2017-03-14,8,47,55,1970,female,former_smoker,31.1,65,186,NH,USA,married,bachelors,professional,20000.0,0.1352,non_med_guaranteed,136,84,180,43,4.19,117,5.7,False,78.6,,False,False,False,True,False,none,,none,none,depression,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,41,UW-274,2.5,annuity_deferred,1000000,quarterly,11865.03,,none,10048.02,,,True,coinsurance,bank,False,False,False,0.008346,0.043279,SOA_2015_VBT,SOA_Scale_MP2023,2.635,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01252,0.018,False,,1.0,False,,,,0.02,0.0318,False,normal_rate,2.99,2.42,False,False,False,False,False,0.771,46.5,38.5,preferred_longevity,72.3,baseline,1.399,0.216,False,,False,,989951.98,104212.66,97956.81,94920.24,22543.56,False,0,1.86,-20.0
LI-2024-INS004-001115,2000-01-02,23,48,71,1952,male,never_smoker,27.7,63,156,ND,USA,divorced,high_school,hazardous,108705.35,0.4733,full_paramedical,126,77,283,54,5.24,110,4.9,False,88.6,10.37,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,3.69,1.0,True,False,False,False,23,UW-150,1.25,indexed_ul,250000,monthly,1966.83,,10yr_declining,3095.21,,,False,none,independent_broker,False,False,False,0.027028,0.05222,SOA_2015_VBT,SOA_Scale_MP2023,1.469,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006757,0.012,False,,1.0,False,,,,0.04,0.0529,False,normal_rate,1.41,1.21,False,False,False,False,False,0.852,42.7,19.7,standard_longevity,59.1,baseline,1.145,0.544,False,,False,,246904.79,14183.79,14140.36,15498.62,3784.18,False,0,1.42,3.9
LI-2024-INS004-001116,2012-09-13,10,46,56,1966,female,current_smoker,36.6,60,187,UT,USA,married,high_school,heavy_blue_collar,116435.34,0.6334,full_paramedical,151,90,176,44,4.0,99,4.7,True,85.6,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,0.99,4.0,False,False,False,False,5,UW-091,2.0,whole_life,100000,monthly,1060.81,,none,925.38,,,False,none,direct_to_consumer,False,False,False,0.01395,0.042645,SOA_2015_VBT,SOA_Scale_MP2023,2.007,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01395,0.015,False,,1.0,False,,,,0.02,0.0334,False,normal_rate,3.24,0.93,False,False,False,False,False,0.798,48.6,38.6,preferred_longevity,79.9,baseline,1.025,0.509,False,,False,,99074.62,8887.23,8245.18,8486.48,2015.54,False,0,-1.68,-3.69
LI-2024-INS004-001117,2013-03-26,13,79,92,1934,female,never_smoker,35.9,61,190,ID,USA,married,high_school,white_collar,69380.89,0.2958,full_paramedical,167,117,251,54,4.65,128,4.7,False,67.4,,True,False,True,True,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,59,UW-215,2.5,whole_life,1000000,annual,19135.02,,none,20340.97,4800.47,0.236,True,excess_of_loss,employer_group,True,False,False,0.130879,0.626739,SOA_2015_VBT,SOA_Scale_MP2023,2.573,cancer,True,2015-01-14,True,True,1075369.77,0.0007,5e-05,1.095,0.196319,0.005,False,,1.0,False,,,,0.015,0.0158,False,normal_rate,3.88,2.13,False,False,False,False,False,0.823,11.7,1.0,sub_standard_longevity,28.4,baseline,1.278,0.278,False,,False,,979659.03,8418.13,6658.48,7654.01,65441.77,False,0,3.63,-19.86
LI-2024-INS004-001118,2010-02-20,1,27,28,1983,female,unknown,25.4,67,161,MN,USA,single,some_college,light_blue_collar,46922.7,0.6807,full_paramedical,124,85,159,40,3.98,92,,False,71.1,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-443,1.25,term_life,500000,quarterly,1515.52,25.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.001227,0.002078,SOA_2015_VBT,SOA_Scale_MP2023,1.459,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000307,0.02,False,,1.0,True,2026-03-17,voluntary_surrender,1.0,0.1,0.1618,False,normal_rate,1.03,2.16,False,False,False,False,False,0.841,70.0,55.0,super_preferred_longevity,100.0,baseline,0.989,0.594,False,,False,,500000.0,12554.44,11687.93,12124.16,2879.49,False,0,5.99,15.82
LI-2024-INS004-001119,2010-11-01,1,33,34,1977,male,never_smoker,21.2,64,123,NV,USA,married,some_college,white_collar,97507.66,0.6689,full_paramedical,114,71,225,69,3.26,78,,False,89.8,,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,True,True,standard,,,False,True,False,False,40,UW-236,1.0,term_life,1000000,annual,3233.68,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001792,0.001913,SOA_2015_VBT,SOA_Scale_MP2023,1.069,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.1165,False,normal_rate,3.57,1.26,True,False,False,False,False,0.755,59.7,55.0,super_preferred_longevity,100.0,baseline,0.998,0.677,False,,False,,1000000.0,26446.06,23967.16,25869.44,6143.99,False,0,7.03,20.4
LI-2024-INS004-001120,2010-12-17,10,35,45,1975,male,never_smoker,26.8,65,160,OH,USA,single,some_college,light_blue_collar,133743.4,0.6895,full_paramedical,127,72,160,57,2.81,107,5.5,False,89.4,2.61,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred_plus,,,False,False,False,False,28,UW-434,0.56,term_life,500000,monthly,1054.45,20.0,none,,,,True,none,captive_agent,False,False,False,0.003662,0.001983,SOA_2015_VBT,SOA_Scale_MP2023,0.551,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0574,False,normal_rate,2.51,1.32,False,False,False,False,False,0.776,57.4,47.4,super_preferred_longevity,93.9,baseline,0.983,0.776,False,,False,,500000.0,8742.94,8812.61,8435.6,2003.46,False,0,0.48,29.63
LI-2024-INS004-001121,2005-07-11,17,21,38,1984,female,never_smoker,22.6,65,135,MI,USA,married,some_college,white_collar,56825.54,0.7973,full_paramedical,101,78,158,49,3.22,93,5.0,False,108.5,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,18,UW-328,0.62,whole_life,500000,semi_annual,939.46,,none,1162.69,,,False,none,captive_agent,False,True,False,0.001816,0.000945,SOA_2015_VBT,SOA_Scale_MP2023,0.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.0159,False,normal_rate,3.29,1.88,False,False,False,False,False,0.93,70.0,53.0,super_preferred_longevity,100.0,baseline,0.902,0.802,False,,False,,498837.31,7386.69,7519.87,7515.68,1784.97,False,0,0.1,24.28
LI-2024-INS004-001122,2005-08-23,10,41,51,1964,male,unknown,19.1,70,133,GA,USA,married,high_school,white_collar,79842.61,0.6942,simplified_issue,101,68,196,56,3.5,102,,False,102.1,1.82,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,,,False,False,False,False,26,UW-390,1.02,universal_life,2000000,annual,9803.62,,10yr_declining,8476.34,,,True,facultative,captive_agent,False,False,False,0.006571,0.006631,SOA_2015_VBT,SOA_Scale_MP2023,1.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000131,0.015,False,,1.0,False,,,,0.06,0.0309,False,normal_rate,3.91,1.79,False,False,False,False,False,0.839,49.6,44.6,super_preferred_longevity,89.8,baseline,0.979,0.604,True,70.4,False,,1991523.66,79706.48,76873.89,78428.96,18626.88,False,0,2.47,19.21
LI-2024-INS004-001123,2009-09-11,6,77,83,1932,female,former_smoker,22.8,68,150,AL,USA,divorced,bachelors,professional,29807.42,0.8029,full_paramedical,98,69,215,48,4.48,97,5.2,False,66.4,,True,False,True,False,False,none,,none,none,none,15,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,40,UW-288,1.5,term_life,1000000,semi_annual,11342.92,25.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.07916,0.153651,SOA_2015_VBT,SOA_Scale_MP2023,1.605,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03958,0.005,False,,1.0,False,,,,0.05,0.0635,False,normal_rate,1.53,2.24,False,False,False,False,False,0.79,15.4,9.8,standard_longevity,49.2,baseline,0.898,0.754,True,47.7,False,,1000000.0,46804.47,46098.99,44464.25,30807.37,False,0,0.9,4.78
LI-2024-INS004-001124,2001-02-05,19,26,45,1975,male,unknown,17.6,71,125,MA,USA,widowed,graduate,professional,21575.58,0.5682,simplified_issue,113,70,207,50,4.14,74,,False,91.7,5.13,False,False,False,False,False,none,,none,none,schizophrenia,3,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-392,2.25,universal_life,2000000,quarterly,14795.96,,10yr_declining,19146.0,,,True,none,worksite,False,False,False,0.004212,0.016367,SOA_2015_VBT,SOA_Scale_MP2023,2.455,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005264,0.018,False,,1.0,False,,,,0.04,0.0498,False,normal_rate,4.49,2.36,True,False,False,False,False,0.806,66.0,47.0,super_preferred_longevity,91.5,baseline,1.074,0.661,False,,False,,1980854.0,128515.33,123349.5,118367.68,28112.32,False,0,2.41,-20.0
LI-2024-INS004-001125,2010-11-08,16,35,51,1975,male,never_smoker,40.0,75,320,SD,USA,single,bachelors,white_collar,109922.52,0.7898,limited_exam,132,75,222,42,5.29,82,4.9,False,,1.46,False,False,False,False,False,none,,none,none,schizophrenia,19,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-067,2.25,whole_life,500000,quarterly,4350.44,,none,4993.69,,,False,none,employer_group,False,False,False,0.005801,0.019351,SOA_2015_VBT,SOA_Scale_MP2023,2.298,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007251,0.018,False,,1.0,False,,,,0.015,0.0192,False,normal_rate,2.2,0.54,False,False,False,False,False,0.898,57.8,41.8,super_preferred_longevity,87.0,baseline,0.908,0.811,False,,False,,495006.31,31886.59,36017.52,34803.52,8265.84,False,0,-0.05,-14.0
LI-2024-INS004-001126,2018-06-05,4,38,42,1980,female,never_smoker,29.4,63,166,AL,USA,single,bachelors,professional,46111.33,0.844,full_paramedical,115,64,178,53,3.36,110,,False,93.1,,False,False,False,False,False,none,,none,none,depression,0,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-105,1.25,whole_life,1000000,quarterly,3782.07,,none,2782.54,,,True,excess_of_loss,worksite,False,False,False,0.002366,0.003174,SOA_2015_VBT,SOA_Scale_MP2023,1.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000591,0.02,False,,1.0,False,,,,0.04,0.041,False,normal_rate,4.9,2.7,True,False,False,False,False,0.765,60.0,55.0,super_preferred_longevity,100.0,baseline,0.867,0.684,False,,False,,997217.46,28103.92,25962.8,30256.56,7185.93,False,0,3.26,10.93
LI-2024-INS004-001127,2009-09-14,10,38,48,1971,male,current_smoker,31.4,70,218,VA,USA,married,bachelors,light_blue_collar,64484.07,0.7716,full_paramedical,116,80,228,42,5.43,73,,True,100.7,3.97,True,False,False,False,False,none,,none,moderate_gold_2,depression,1,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,28,UW-331,2.5,whole_life,500000,monthly,4367.45,,none,3838.28,,,False,none,direct_to_consumer,False,False,False,0.009175,0.036366,SOA_2015_VBT,SOA_Scale_MP2023,2.674,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013762,0.018,False,,1.0,False,,,,0.02,0.0303,False,normal_rate,3.24,2.45,False,False,False,False,False,0.771,54.2,44.2,super_preferred_longevity,90.4,baseline,0.921,0.613,False,,False,,496161.72,37639.39,35885.45,34939.6,8298.15,False,0,0.81,-20.0
LI-2024-INS004-001128,2011-11-05,10,21,31,1990,male,never_smoker,26.9,69,181,VT,USA,single,graduate,white_collar,96333.67,0.1801,full_paramedical,107,59,223,47,4.74,81,,False,88.5,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,preferred_plus,,,False,False,False,False,26,UW-349,0.61,universal_life,2000000,annual,2933.52,,15yr_declining,2746.22,,,True,none,employer_group,False,False,False,0.001532,0.001223,SOA_2015_VBT,SOA_Scale_MP2023,0.585,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0504,False,normal_rate,4.15,2.01,False,False,False,False,False,0.896,70.0,55.0,super_preferred_longevity,97.7,baseline,1.365,0.0,False,,False,,1997253.78,24384.03,20237.52,23468.16,5573.69,False,0,1.8,25.04
LI-2024-INS004-001129,2003-01-27,4,75,79,1928,female,never_smoker,35.0,70,243,IN,USA,single,bachelors,professional,166495.75,0.3783,full_paramedical,138,106,224,45,4.98,135,6.0,False,57.4,,False,False,False,False,False,none,,pre_diabetes,none,schizophrenia,8,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,43,UW-080,2.25,term_life,250000,semi_annual,3615.59,20.0,none,,,,False,none,employer_group,False,False,False,0.032528,0.13292,SOA_2015_VBT,SOA_Scale_MP2023,2.332,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04066,0.012,False,,1.0,False,,,,0.07,0.1174,False,normal_rate,4.37,0.94,False,False,False,False,False,0.956,12.7,8.7,sub_standard_longevity,31.2,baseline,1.216,0.414,False,,False,,250000.0,12228.84,12476.53,12582.25,10138.11,False,0,-0.77,-19.16
LI-2024-INS004-001130,2009-10-09,6,26,32,1983,female,never_smoker,26.2,64,152,SC,USA,widowed,some_college,white_collar,140411.38,0.4076,accelerated_UW,118,62,216,73,2.96,106,,False,84.5,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,23,UW-302,1.25,term_life,500000,monthly,1620.01,30.0,none,,,,False,none,independent_broker,False,False,False,0.001289,0.002314,SOA_2015_VBT,SOA_Scale_MP2023,1.294,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000322,0.02,False,,1.0,False,,,,0.05,0.0687,False,normal_rate,3.23,2.08,False,False,False,False,False,0.859,70.0,55.0,super_preferred_longevity,100.0,baseline,1.194,0.23,False,,False,,500000.0,13927.62,12874.73,12960.08,3078.02,False,0,3.42,13.04
LI-2024-INS004-001131,2017-06-17,8,27,35,1990,female,never_smoker,26.4,63,148,SD,USA,married,graduate,white_collar,26080.88,0.8552,full_paramedical,128,79,199,43,4.63,99,5.8,False,80.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,True,True,standard,,,False,True,False,False,55,UW-160,1.0,universal_life,250000,monthly,749.01,,10yr_declining,651.36,,,False,none,independent_broker,False,False,False,0.001517,0.001403,SOA_2015_VBT,SOA_Scale_MP2023,1.077,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0274,False,normal_rate,2.5,2.29,False,False,False,False,False,0.906,70.0,55.0,super_preferred_longevity,100.0,baseline,0.859,0.88,False,,True,1.552,249348.64,6508.4,6059.91,5992.08,1423.12,False,0,-0.64,16.19
LI-2024-INS004-001132,2003-09-17,20,43,63,1960,female,former_smoker,15.2,59,90,ND,USA,married,high_school,white_collar,110900.02,0.6082,full_paramedical,129,80,193,44,4.39,68,,False,85.7,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,declined,,,False,False,True,False,4,UW-200,7.0,term_life,1000000,quarterly,39986.87,30.0,none,,,,True,facultative,bank,False,False,False,0.015218,0.194917,SOA_2015_VBT,SOA_Scale_MP2023,6.522,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.09131,0.015,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,4.01,2.64,False,False,False,False,False,0.928,50.6,30.6,preferred_longevity,67.5,baseline,1.044,0.396,False,,False,,1000000.0,326589.52,328558.92,319894.96,75975.05,False,0,-5.0,-20.0
LI-2024-INS004-001133,2002-10-24,23,18,41,1984,male,never_smoker,32.4,75,259,AZ,USA,divorced,bachelors,light_blue_collar,162226.3,0.7447,limited_exam,118,70,217,46,4.72,104,4.5,False,86.7,2.3,False,False,False,False,False,none,,none,none,none,8,False,False,False,True,True,standard_plus,,,False,False,False,False,39,UW-378,1.0,term_life,1000000,monthly,3340.78,25.0,none,,,,True,none,bank,True,False,False,0.002761,0.002454,SOA_2015_VBT,SOA_Scale_MP2023,0.944,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0331,False,normal_rate,2.13,1.92,False,False,False,False,False,0.84,70.0,45.0,super_preferred_longevity,91.2,baseline,0.941,0.779,True,28.8,True,-0.908,1000000.0,25761.22,27645.96,26726.24,6347.48,False,0,4.71,22.04
LI-2024-INS004-001134,2006-02-18,8,24,32,1982,female,never_smoker,19.8,62,108,AL,USA,widowed,bachelors,heavy_blue_collar,59854.55,0.3703,non_med_guaranteed,125,91,212,55,3.85,83,5.1,False,84.9,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,1.34,1.0,False,False,False,False,7,UW-323,1.25,whole_life,250000,annual,851.6,,none,750.05,,,False,none,direct_to_consumer,False,False,False,0.001289,0.002443,SOA_2015_VBT,SOA_Scale_MP2023,1.346,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000322,0.02,False,,1.0,False,,,,0.02,0.0393,False,normal_rate,3.8,2.58,False,False,False,False,False,0.917,70.0,55.0,super_preferred_longevity,100.0,baseline,1.222,0.509,False,,False,,249249.95,6472.43,6995.65,6812.8,1618.04,False,0,1.09,1.82
LI-2024-INS004-001135,2016-05-11,5,52,57,1964,male,never_smoker,25.7,74,200,MO,USA,married,high_school,light_blue_collar,198391.29,0.6008,full_paramedical,112,67,173,55,3.15,92,5.4,False,,3.23,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-495,0.78,whole_life,100000,semi_annual,342.37,,none,263.91,,,False,none,independent_broker,False,False,False,0.009335,0.007357,SOA_2015_VBT,SOA_Scale_MP2023,0.751,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0488,False,normal_rate,4.13,1.36,False,False,False,False,False,0.963,38.2,33.2,preferred_longevity,71.3,baseline,1.049,0.594,False,,False,,99736.09,2580.51,2469.5,2738.96,650.5,False,0,4.97,21.66
LI-2024-INS004-001136,2004-05-17,17,44,61,1960,female,never_smoker,36.4,68,239,IL,USA,single,graduate,light_blue_collar,40095.4,0.6189,full_paramedical,123,78,246,25,9.84,91,5.2,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-451,2.25,universal_life,500000,annual,5492.69,,15yr_declining,6521.34,,,False,none,employer_group,False,False,False,0.009861,0.036177,SOA_2015_VBT,SOA_Scale_MP2023,2.335,cardiovascular,True,2011-03-24,False,False,1169535.53,0.0007,5e-05,1.095,0.012327,0.015,False,,1.0,False,,,,0.04,0.0578,False,normal_rate,3.37,3.0,False,False,False,False,False,0.942,49.7,32.7,preferred_longevity,70.8,baseline,1.036,0.679,False,,False,,493478.66,44407.47,40627.76,43941.52,10436.11,False,0,2.69,-14.62
LI-2024-INS004-001137,2006-06-27,2,20,22,1986,male,never_smoker,31.8,73,240,IL,USA,married,some_college,professional,20000.0,0.5947,limited_exam,115,79,164,42,3.9,88,,False,111.4,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-411,1.25,term_life,500000,quarterly,1186.84,20.0,none,,,,False,none,bank,False,False,False,0.001068,0.001926,SOA_2015_VBT,SOA_Scale_MP2023,1.474,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000267,0.02,False,,1.0,False,,,,0.07,0.0857,False,normal_rate,3.0,1.76,False,False,False,False,False,0.825,70.0,62.9,super_preferred_longevity,100.0,baseline,1.054,0.715,True,75.0,False,,500000.0,9304.93,8533.59,9494.72,2255.0,False,0,2.5,11.34
LI-2024-INS004-001138,2016-01-20,2,23,25,1993,male,current_smoker,23.6,72,174,ME,USA,married,some_college,white_collar,64302.27,0.6513,full_paramedical,96,67,176,65,2.71,85,,True,99.6,,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,32,UW-248,1.5,universal_life,1000000,monthly,3347.05,,10yr_declining,2054.8,,,True,facultative,captive_agent,False,False,False,0.002365,0.005009,SOA_2015_VBT,SOA_Scale_MP2023,1.599,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001183,0.022,False,,1.0,False,,,,0.08,0.0424,False,normal_rate,2.14,2.55,False,False,False,False,False,0.883,70.0,55.0,super_preferred_longevity,100.0,baseline,1.012,0.658,False,,False,,997945.2,25869.85,24552.12,26776.4,6359.4,False,0,2.55,0.45
LI-2024-INS004-001139,2004-12-07,2,72,74,1932,female,unknown,32.9,65,197,MI,USA,married,some_college,white_collar,81852.28,0.501,limited_exam,121,76,254,47,5.4,118,5.2,False,62.5,,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-301,1.25,term_life,1000000,semi_annual,6884.05,25.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.032047,0.060037,SOA_2015_VBT,SOA_Scale_MP2023,1.444,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008012,0.005,False,,1.0,False,,,,0.07,0.0909,False,normal_rate,2.26,2.03,False,False,False,False,False,0.855,16.2,14.2,standard_longevity,41.3,baseline,1.124,0.342,False,,False,,1000000.0,38247.32,38392.13,39101.4,16273.89,False,0,2.18,8.67
LI-2024-INS004-001140,2022-05-27,4,34,38,1988,female,never_smoker,32.5,66,201,IL,USA,single,some_college,heavy_blue_collar,24423.98,0.9287,non_med_guaranteed,128,69,208,42,4.95,79,5.3,False,81.1,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,0.84,,False,False,False,False,5,UW-296,1.0,term_life,1000000,monthly,3267.76,25.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.001816,0.003037,SOA_2015_VBT,SOA_Scale_MP2023,1.075,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00147,1.0,False,,,,0.07,0.067,False,normal_rate,2.82,1.22,False,False,False,False,False,0.996,65.5,51.8,super_preferred_longevity,100.0,baseline,0.803,1.0,True,12.8,False,,1000000.0,23676.62,24091.88,26142.08,6208.74,False,0,4.66,26.73
LI-2024-INS004-001141,2005-09-22,17,39,56,1966,female,former_smoker,20.6,61,109,AK,USA,married,less_than_hs,light_blue_collar,74765.59,0.7441,full_paramedical,113,78,179,54,3.31,95,,False,85.8,,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,standard_plus,,,False,False,False,False,43,UW-397,0.96,indexed_ul,250000,quarterly,1075.72,,10yr_declining,1361.16,,,False,none,employer_group,True,False,False,0.009067,0.008507,SOA_2015_VBT,SOA_Scale_MP2023,0.996,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.053,False,normal_rate,4.17,2.0,False,False,False,False,False,0.913,56.1,39.1,super_preferred_longevity,82.3,baseline,0.942,0.722,False,,False,,248638.84,8411.88,7572.57,8605.76,2043.87,False,0,5.58,21.68
LI-2024-INS004-001142,2005-04-28,19,41,60,1964,female,never_smoker,24.1,66,149,NY,USA,married,bachelors,white_collar,96505.6,0.5997,full_paramedical,152,85,192,62,3.1,85,,False,53.4,,True,False,False,False,False,none,,none,none,depression,3,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,54,UW-238,1.5,term_life,500000,monthly,4008.99,20.0,none,,,,False,none,employer_group,False,False,False,0.00962,0.021227,SOA_2015_VBT,SOA_Scale_MP2023,1.625,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00481,0.015,False,,1.0,False,,,,0.03,0.0439,False,normal_rate,3.46,0.64,False,False,False,False,False,0.933,53.2,34.2,preferred_longevity,72.8,baseline,1.05,0.673,False,,False,,500000.0,32845.48,29058.36,32071.92,7617.08,False,0,4.18,0.17
LI-2024-INS004-001143,2009-09-16,2,79,81,1930,female,never_smoker,31.0,64,180,DE,USA,married,bachelors,professional,53111.87,0.7307,accelerated_UW,129,85,189,55,3.44,68,,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,True,42,UW-119,2.0,universal_life,500000,semi_annual,6707.81,,10yr_declining,4571.39,,,False,none,captive_agent,False,False,False,0.050739,0.152657,SOA_2015_VBT,SOA_Scale_MP2023,2.11,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050739,0.005,False,,1.0,False,,,,0.08,0.0402,False,normal_rate,3.12,2.33,False,False,False,False,False,0.93,9.8,7.8,standard_longevity,35.2,baseline,0.952,0.855,False,,False,,495428.61,22955.64,20436.06,20928.37,19291.66,False,0,-0.73,-3.16
LI-2024-INS004-001144,2020-05-05,7,73,80,1947,female,never_smoker,19.3,64,112,NH,USA,married,less_than_hs,white_collar,38610.4,0.371,simplified_issue,132,80,214,42,5.1,81,,False,,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-114,1.25,universal_life,1000000,annual,7703.43,,10yr_declining,6045.29,,,True,coinsurance,bank,False,False,False,0.04799,0.095236,SOA_2015_VBT,SOA_Scale_MP2023,1.329,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011997,0.008,True,0.00532,1.0,False,,,,0.06,0.0379,False,normal_rate,3.21,2.76,False,False,False,False,False,0.887,20.2,13.8,standard_longevity,48.8,baseline,1.222,0.34,True,47.1,False,,993954.71,44645.35,44372.35,42522.93,18457.42,False,0,3.9,7.97
LI-2024-INS004-001145,2005-01-10,18,59,77,1946,male,former_smoker,27.7,66,171,AZ,USA,divorced,high_school,white_collar,20232.84,0.6287,full_paramedical,132,98,263,64,4.11,80,,False,47.1,4.84,False,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-080,1.5,group_life,100000,annual,889.57,,none,,,,False,none,employer_group,False,False,False,0.059598,0.131243,SOA_2015_VBT,SOA_Scale_MP2023,1.655,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029799,0.008,False,,1.0,False,,,,0.1,0.1436,False,normal_rate,3.26,0.62,False,False,False,False,False,0.806,31.1,13.1,standard_longevity,51.6,baseline,1.028,0.67,False,,False,,100000.0,5057.76,4037.5,4661.35,2181.23,False,0,0.84,-1.27
LI-2024-INS004-001146,2004-09-05,14,30,44,1974,female,current_smoker,31.3,67,199,GA,USA,married,bachelors,professional,28043.18,0.8297,non_med_guaranteed,147,93,248,64,3.88,84,,True,99.3,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-154,2.0,universal_life,100000,quarterly,738.98,,15yr_declining,787.02,,,False,none,employer_group,False,False,False,0.005449,0.015856,SOA_2015_VBT,SOA_Scale_MP2023,2.176,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005449,0.018,False,,1.0,False,,,,0.04,0.0224,False,normal_rate,4.27,2.11,True,False,False,False,False,0.973,66.9,52.9,super_preferred_longevity,100.0,baseline,0.878,0.781,False,,False,,99212.98,6382.56,5969.48,5911.84,1404.06,False,0,0.9,4.48
LI-2024-INS004-001147,2018-03-06,4,77,81,1941,male,never_smoker,28.6,76,234,MI,USA,married,some_college,white_collar,67223.33,0.4202,accelerated_UW,149,93,200,41,4.88,123,5.2,False,94.4,4.26,True,False,True,True,False,none,,none,none,none,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,50,UW-266,2.5,term_life,100000,semi_annual,1827.91,20.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.062334,0.2873,SOA_2015_VBT,SOA_Scale_MP2023,2.624,cancer,True,2019-01-11,True,True,1059212.74,0.0007,5e-05,1.095,0.093501,0.008,False,,1.0,False,,,,0.07,0.1337,False,normal_rate,4.91,1.75,False,False,False,False,False,0.91,11.5,7.5,standard_longevity,40.1,baseline,1.185,0.46,False,,False,,100000.0,5575.59,5217.1,5483.73,5300.94,False,0,-1.33,-17.9
LI-2024-INS004-001148,2002-01-20,12,22,34,1980,male,never_smoker,26.0,62,142,TN,USA,single,bachelors,professional,189684.85,0.3411,full_paramedical,142,87,181,65,2.78,115,5.6,False,86.2,,True,False,True,False,False,none,,none,none,none,9,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,41,UW-430,1.25,whole_life,250000,quarterly,781.89,,none,751.66,,,False,none,independent_broker,False,False,False,0.001792,0.003296,SOA_2015_VBT,SOA_Scale_MP2023,1.277,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000448,0.02,False,,1.0,False,,,,0.015,0.0214,False,normal_rate,3.16,2.08,False,False,False,False,False,0.942,70.0,55.0,super_preferred_longevity,100.0,baseline,1.244,0.454,False,,False,,249248.34,6716.46,5693.89,6255.12,1485.59,False,0,5.31,15.87
LI-2024-INS004-001149,2015-06-26,9,63,72,1952,female,never_smoker,29.2,59,144,MD,USA,single,bachelors,light_blue_collar,41437.79,0.7426,full_paramedical,126,75,218,37,5.89,106,5.2,False,73.6,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,55,UW-264,1.25,term_life,100000,annual,737.97,20.0,none,,,,False,none,captive_agent,False,False,False,0.023597,0.038678,SOA_2015_VBT,SOA_Scale_MP2023,1.473,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005899,0.012,False,,1.0,False,,,,0.05,0.0553,False,normal_rate,1.04,1.97,False,False,False,False,False,0.762,29.7,20.7,standard_longevity,54.7,baseline,0.943,0.869,False,,False,,100000.0,6393.03,5166.69,5903.76,1402.14,False,0,3.73,15.68
LI-2024-INS004-001150,2009-08-07,1,71,72,1938,female,former_smoker,35.0,66,216,NH,USA,married,high_school,white_collar,21930.32,0.2449,accelerated_UW,146,88,206,41,5.02,71,5.0,False,65.5,,False,True,False,False,False,none,,none,none,anxiety,10,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,3,UW-073,1.5,term_life,250000,monthly,2072.5,20.0,none,,,,False,none,independent_broker,False,False,False,0.031346,0.082476,SOA_2015_VBT,SOA_Scale_MP2023,1.619,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015673,0.005,False,,1.0,False,,,,0.1,0.2106,False,normal_rate,4.17,1.43,False,False,False,False,False,0.999,17.1,16.1,standard_longevity,40.3,baseline,1.316,0.188,False,,False,,250000.0,13429.13,11791.59,13346.9,4584.37,False,0,-0.79,-6.09
LI-2024-INS004-001151,2001-05-04,4,42,46,1959,male,never_smoker,24.3,68,159,VA,USA,married,graduate,professional,46892.06,0.5896,full_paramedical,115,77,166,58,2.86,118,5.8,False,109.7,1.98,False,False,False,False,False,none,,none,none,bipolar,2,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,9,UW-462,2.0,indexed_ul,1000000,monthly,8484.14,,15yr_declining,5986.88,1167.44,0.195,True,coinsurance,captive_agent,False,False,False,0.003668,0.012219,SOA_2015_VBT,SOA_Scale_MP2023,2.204,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003668,0.012,False,,1.0,False,,,,0.08,0.0265,False,normal_rate,2.79,2.88,False,False,False,False,False,0.892,47.2,43.2,super_preferred_longevity,86.1,baseline,1.058,0.7,False,,False,,994013.12,64832.3,58547.5,67873.12,16119.87,False,0,3.26,-7.04
LI-2024-INS004-001152,2024-05-25,2,33,35,1991,female,never_smoker,21.2,59,105,SC,USA,divorced,bachelors,professional,73145.76,0.3271,full_paramedical,110,58,214,64,3.34,97,,False,90.3,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-381,0.77,term_life,500000,monthly,1191.17,20.0,none,,,,False,none,captive_agent,False,False,False,0.001517,0.001591,SOA_2015_VBT,SOA_Scale_MP2023,0.836,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.1007,False,normal_rate,1.98,2.32,False,False,False,False,False,0.769,64.7,55.0,super_preferred_longevity,99.9,baseline,1.255,0.145,True,69.2,True,-0.427,500000.0,9433.52,8947.73,9529.36,2263.22,False,0,1.27,18.82
LI-2024-INS004-001153,2021-11-14,1,58,59,1963,male,never_smoker,30.2,67,193,NH,USA,divorced,some_college,light_blue_collar,65764.13,0.3812,accelerated_UW,131,83,226,53,4.26,79,5.1,False,93.4,1.93,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard_plus,,,False,False,False,True,23,UW-344,0.92,term_life,250000,monthly,1137.93,20.0,none,,,,False,none,captive_agent,True,False,False,0.010881,0.01573,SOA_2015_VBT,SOA_Scale_MP2023,0.99,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00265,1.0,False,,,,0.1,0.1395,False,normal_rate,5.15,2.37,True,False,False,False,True,0.879,34.2,33.2,preferred_longevity,78.0,baseline,1.214,0.582,False,,False,,250000.0,9367.56,9527.1,9103.44,2162.07,False,0,1.01,25.42
LI-2024-INS004-001154,2008-03-08,3,40,43,1968,female,former_smoker,20.2,58,96,HI,USA,divorced,some_college,light_blue_collar,23096.41,0.9882,full_paramedical,130,77,180,62,2.9,96,,False,82.1,,False,False,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,59,UW-403,1.25,indexed_ul,1000000,monthly,4126.36,,10yr_declining,2678.92,,,True,quota_share,worksite,True,False,False,0.003298,0.004256,SOA_2015_VBT,SOA_Scale_MP2023,1.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000824,0.015,False,,1.0,False,,,,0.08,0.0327,False,normal_rate,2.81,1.39,False,False,False,False,True,0.778,56.4,50.8,super_preferred_longevity,100.0,baseline,0.759,0.941,True,16.4,False,,997321.08,31361.31,29858.02,33010.88,7840.08,False,0,6.05,13.8
LI-2024-INS004-001155,2018-09-17,3,71,74,1947,female,never_smoker,25.5,62,139,KS,USA,married,graduate,white_collar,73297.27,0.8678,limited_exam,124,75,252,60,4.2,108,,False,65.4,,True,False,True,True,False,none,,none,none,anxiety,2,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,35,UW-499,2.5,whole_life,500000,annual,7630.01,,none,5261.12,,,False,none,captive_agent,False,False,False,0.028454,0.103157,SOA_2015_VBT,SOA_Scale_MP2023,2.503,cardiovascular,True,2019-11-28,True,True,1744309.92,0.0007,5e-05,1.095,0.042681,0.008,False,,1.0,False,,,,0.04,0.0402,False,normal_rate,2.14,0.55,False,False,False,False,False,0.849,24.2,21.2,preferred_longevity,67.3,baseline,0.849,0.934,False,,False,,494738.88,61446.51,53074.0,61040.08,14497.02,False,0,-4.7,-8.04
LI-2024-INS004-001156,2007-08-21,19,23,42,1984,female,current_smoker,21.2,66,131,AK,USA,married,bachelors,heavy_blue_collar,20000.0,0.5518,full_paramedical,129,90,229,51,4.49,89,4.9,True,86.2,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_6,1.28,6.0,False,False,False,False,8,UW-027,2.5,term_life,2000000,annual,16243.52,15.0,none,,,,True,none,bank,True,False,False,0.004731,0.020642,SOA_2015_VBT,SOA_Scale_MP2023,2.636,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007097,0.02,False,,1.0,False,,,,0.03,0.0378,False,normal_rate,3.08,0.57,False,False,False,False,False,0.791,70.0,51.0,super_preferred_longevity,97.3,baseline,1.086,0.689,False,,False,,2000000.0,126483.91,134546.77,129948.16,30862.69,False,0,2.19,-20.0
LI-2024-INS004-001157,2023-12-08,1,25,26,1998,female,never_smoker,23.3,68,153,OH,USA,married,bachelors,professional,30532.37,0.6898,limited_exam,85,50,181,49,3.69,107,5.4,False,120.0,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,False,29,UW-445,0.81,term_life,1000000,monthly,1962.91,20.0,none,,,,True,coinsurance,captive_agent,True,False,False,0.000983,0.000794,SOA_2015_VBT,SOA_Scale_MP2023,0.822,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.1,0.1148,False,normal_rate,4.14,0.92,False,False,False,False,False,0.887,70.0,55.0,super_preferred_longevity,100.0,baseline,0.983,0.812,False,,False,,1000000.0,15360.13,14261.06,15703.28,3729.53,False,0,1.58,20.31
LI-2024-INS004-001158,2008-02-28,12,74,86,1934,male,never_smoker,30.3,63,171,AR,USA,married,graduate,hazardous,20476.48,0.5157,full_paramedical,137,83,210,51,4.12,83,5.1,False,,8.36,False,False,False,False,False,none,,none,none,schizophrenia,1,True,False,False,False,False,substandard_table_5,9.1,5.0,True,False,False,False,13,UW-337,2.25,whole_life,500000,monthly,7776.32,,none,7586.79,,,False,none,captive_agent,True,False,False,0.099327,0.385333,SOA_2015_VBT,SOA_Scale_MP2023,2.362,cancer,True,2013-05-01,False,False,432180.69,0.0007,5e-05,1.095,0.124159,0.005,False,,1.0,False,,,,0.015,0.0193,False,normal_rate,3.61,0.75,False,False,False,False,False,0.802,10.6,1.0,sub_standard_longevity,21.7,baseline,1.113,0.471,True,43.9,False,,492413.21,3177.57,2848.4,3110.53,26595.01,False,0,0.49,-9.13
LI-2024-INS004-001159,2000-05-06,25,67,92,1933,female,former_smoker,20.7,64,120,KS,USA,single,high_school,professional,188100.42,0.5788,full_paramedical,138,90,199,59,3.37,95,,False,46.5,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-467,1.25,indexed_ul,500000,monthly,5250.52,,15yr_declining,8773.76,,,False,none,bank,False,False,False,0.169292,0.281237,SOA_2015_VBT,SOA_Scale_MP2023,1.324,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042323,0.005,False,,1.0,False,,,,0.04,0.0495,False,normal_rate,3.37,2.47,False,False,False,False,False,0.95,21.7,1.0,sub_standard_longevity,22.7,baseline,1.066,0.63,False,,False,,491226.24,2031.31,1948.81,2100.21,17956.78,False,0,2.22,19.75
LI-2024-INS004-001160,2023-06-10,4,27,31,1996,male,never_smoker,15.0,62,90,OH,USA,married,bachelors,hazardous,87979.25,0.7684,limited_exam,98,58,224,53,4.23,79,,False,63.0,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,declined,,,True,False,True,False,28,UW-035,7.0,term_life,500000,semi_annual,7874.81,25.0,none,,,,False,none,worksite,False,False,False,0.001532,0.019353,SOA_2015_VBT,SOA_Scale_MP2023,7.179,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009193,0.022,False,,1.0,False,,,,0.07,0.076,False,normal_rate,3.57,1.64,False,False,False,False,False,0.852,69.2,55.0,super_preferred_longevity,100.0,baseline,0.924,0.684,False,,False,,500000.0,66946.9,56631.7,62998.48,14962.14,False,0,-5.0,-20.0
LI-2024-INS004-001161,2001-07-08,2,20,22,1981,female,never_smoker,26.9,60,137,IN,USA,married,bachelors,professional,62936.08,0.2318,limited_exam,125,85,226,67,3.37,110,5.3,False,93.3,,False,True,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-496,2.0,indexed_ul,500000,semi_annual,1815.15,,15yr_declining,1154.11,,,False,none,direct_to_consumer,False,False,False,0.000854,0.003159,SOA_2015_VBT,SOA_Scale_MP2023,2.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000854,0.02,False,,1.0,False,,,,0.08,0.1069,False,normal_rate,3.36,2.75,False,False,False,False,False,0.864,70.0,61.9,super_preferred_longevity,100.0,baseline,1.326,0.299,True,70.4,False,,498845.89,14371.19,14307.46,14521.2,3448.79,False,0,1.5,-12.84
LI-2024-INS004-001162,2021-10-06,2,55,57,1966,female,never_smoker,31.5,72,232,CT,USA,married,some_college,heavy_blue_collar,52039.24,0.7274,full_paramedical,130,85,128,60,2.13,96,,False,83.2,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,0.93,,False,False,False,False,28,UW-411,0.84,whole_life,500000,monthly,1871.25,,none,1263.97,,,False,none,independent_broker,False,False,False,0.007582,0.00793,SOA_2015_VBT,SOA_Scale_MP2023,0.751,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.0025,1.0,False,,,,0.04,0.0447,False,normal_rate,3.43,0.87,False,False,False,False,False,0.874,40.0,38.0,super_preferred_longevity,80.4,baseline,0.954,0.745,False,,False,,498736.03,14877.6,12760.49,14970.0,3555.38,False,0,5.71,22.12
LI-2024-INS004-001163,2020-10-22,6,50,56,1970,female,current_smoker,26.2,59,129,ID,USA,married,bachelors,heavy_blue_collar,27340.35,0.5419,full_paramedical,132,85,227,51,4.45,60,5.3,True,86.5,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,0.59,2.0,False,False,False,False,14,UW-288,1.5,whole_life,500000,quarterly,3208.63,,none,2326.6,,,False,none,direct_to_consumer,False,False,False,0.01395,0.035871,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006975,0.018,True,0.00334,1.0,False,,,,0.02,0.0355,False,normal_rate,4.22,2.96,False,False,False,False,False,0.973,45.1,41.1,super_preferred_longevity,82.3,baseline,1.094,0.698,True,49.8,False,,497673.4,23710.01,25794.33,25669.04,6096.4,False,0,3.46,3.04
LI-2024-INS004-001164,2002-08-13,9,67,76,1935,female,never_smoker,25.3,65,152,ME,USA,single,high_school,hazardous,47800.66,0.4214,limited_exam,134,83,244,61,4.0,60,,False,68.7,,False,False,True,True,False,none,,none,none,substance_use_disorder,10,False,False,True,False,True,standard,3.32,,True,True,False,False,54,UW-422,1.0,term_life,500000,annual,3502.93,20.0,none,,,,False,none,independent_broker,False,False,False,0.033688,0.040443,SOA_2015_VBT,SOA_Scale_MP2023,1.014,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.05,0.0681,False,normal_rate,4.17,0.57,False,False,False,False,False,0.795,24.3,15.3,standard_longevity,51.8,baseline,1.184,0.404,False,,False,,500000.0,23330.65,18421.53,21437.93,7972.67,False,0,3.41,19.48
LI-2024-INS004-001165,2000-01-21,8,76,84,1924,female,never_smoker,32.1,70,223,NC,USA,single,high_school,professional,91768.92,0.7992,full_paramedical,161,104,233,41,5.68,87,5.2,False,90.1,,True,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-055,2.25,term_life,250000,semi_annual,3779.96,25.0,none,,,,False,none,independent_broker,False,False,False,0.047717,0.156639,SOA_2015_VBT,SOA_Scale_MP2023,2.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.059646,0.012,False,,1.0,False,,,,0.05,0.053,False,normal_rate,3.51,1.05,False,False,False,False,False,0.787,15.8,7.8,standard_longevity,46.2,baseline,0.901,0.843,False,,False,,250000.0,12158.29,10441.37,11793.48,10871.16,False,0,0.05,-4.85
LI-2024-INS004-001166,2019-08-12,8,61,69,1958,male,unknown,30.6,66,189,CT,USA,married,high_school,light_blue_collar,21291.36,0.4847,simplified_issue,125,78,155,73,2.12,100,,False,,3.15,False,True,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-059,2.0,whole_life,250000,quarterly,3136.6,,none,2771.44,,,False,none,captive_agent,True,True,False,0.028064,0.097658,SOA_2015_VBT,SOA_Scale_MP2023,2.182,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028064,0.012,False,,1.0,False,,,,0.02,0.0262,False,normal_rate,2.83,2.69,False,False,False,False,False,0.9,27.6,19.6,standard_longevity,49.2,baseline,1.136,0.565,False,,False,,247228.56,24782.35,21028.6,24590.94,6059.91,False,0,3.88,-3.57
LI-2024-INS004-001167,2004-11-26,16,47,63,1957,female,never_smoker,20.2,61,106,OH,USA,married,some_college,hazardous,54116.19,0.5383,limited_exam,132,83,213,45,4.73,73,5.9,False,90.3,,False,False,True,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,4.46,1.0,True,False,False,False,19,UW-002,1.25,indexed_ul,250000,monthly,1460.21,,10yr_declining,1659.03,,,False,none,independent_broker,False,False,False,0.011463,0.019215,SOA_2015_VBT,SOA_Scale_MP2023,1.301,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002866,0.012,False,,1.0,False,,,,0.04,0.0508,False,normal_rate,3.42,2.09,False,True,False,False,False,0.754,48.7,32.7,preferred_longevity,79.6,baseline,1.096,0.429,False,,False,,248340.97,10993.03,10258.99,11681.68,2774.4,False,0,2.47,12.02
LI-2024-INS004-001168,2022-11-18,4,80,84,1942,male,never_smoker,28.1,66,173,KY,USA,married,some_college,heavy_blue_collar,38725.09,0.9469,non_med_guaranteed,147,98,255,64,3.98,90,5.0,False,69.0,7.46,False,False,False,True,False,none,,none,none,substance_use_disorder,1,False,False,False,False,True,standard,1.38,,False,True,False,False,21,UW-091,1.0,term_life,250000,monthly,1742.93,25.0,none,,,,False,none,bank,False,False,False,0.081343,0.066184,SOA_2015_VBT,SOA_Scale_MP2023,1.007,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00149,1.0,False,,,,0.07,0.066,False,normal_rate,3.93,1.07,False,False,False,False,False,0.818,7.7,3.8,sub_standard_longevity,32.4,baseline,0.79,0.774,True,38.2,False,,250000.0,2866.42,2527.76,2649.25,5570.4,False,0,2.36,18.6
LI-2024-INS004-001169,2014-03-16,5,31,36,1983,male,never_smoker,17.1,75,137,KY,USA,single,graduate,light_blue_collar,141101.56,0.9938,limited_exam,134,79,197,31,6.35,74,,False,,,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-303,1.5,term_life,100000,annual,502.65,15.0,none,,,,False,none,captive_agent,False,False,False,0.00201,0.003471,SOA_2015_VBT,SOA_Scale_MP2023,1.626,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001005,0.02,False,,1.0,False,,,,0.07,0.0633,False,normal_rate,3.79,1.74,False,False,False,False,False,0.781,64.0,55.0,super_preferred_longevity,100.0,baseline,0.755,0.941,False,,False,,100000.0,3770.06,3638.7,4021.2,955.03,False,0,2.66,6.53
LI-2024-INS004-001170,2018-06-27,8,25,33,1993,female,unknown,35.5,66,220,MI,USA,married,some_college,light_blue_collar,250571.49,0.5395,simplified_issue,131,89,217,60,3.62,123,5.2,False,97.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,6,UW-069,1.0,whole_life,100000,quarterly,315.82,,none,254.43,,,False,none,employer_group,False,False,False,0.001562,0.001867,SOA_2015_VBT,SOA_Scale_MP2023,1.091,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.0304,False,normal_rate,4.78,1.33,False,False,False,False,False,0.834,70.0,55.0,super_preferred_longevity,100.0,baseline,1.095,0.668,False,,False,,99745.57,2512.38,2427.3,2526.56,600.06,False,0,2.86,18.23
LI-2024-INS004-001171,2014-02-07,2,35,37,1979,male,former_smoker,27.5,64,159,SD,USA,married,bachelors,light_blue_collar,233154.86,0.3394,full_paramedical,120,69,139,56,2.48,109,,False,77.7,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-277,2.0,whole_life,500000,monthly,3120.67,,none,1897.59,,,False,none,bank,False,True,False,0.002774,0.009965,SOA_2015_VBT,SOA_Scale_MP2023,2.081,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002774,0.018,False,,1.0,False,,,,0.04,0.0571,False,normal_rate,5.01,1.79,False,False,False,False,False,0.826,56.6,54.6,super_preferred_longevity,99.5,baseline,1.245,0.399,False,,False,,498102.41,26626.48,25546.09,24965.36,5929.27,False,0,4.17,-10.84
LI-2024-INS004-001172,2008-01-13,5,20,25,1988,female,never_smoker,19.3,72,142,SD,USA,married,some_college,professional,332231.11,0.5569,full_paramedical,133,87,219,44,4.98,88,,False,103.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,18,UW-497,1.25,whole_life,250000,monthly,741.28,,none,551.76,,,True,none,captive_agent,False,False,False,0.000946,0.001601,SOA_2015_VBT,SOA_Scale_MP2023,1.332,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000237,0.02,False,,1.0,False,,,,0.04,0.0502,False,normal_rate,4.96,2.6,False,False,False,False,False,0.926,70.0,55.0,super_preferred_longevity,100.0,baseline,1.082,0.789,False,,False,,249448.24,5598.57,5335.54,5930.24,1408.43,False,0,4.75,10.79
LI-2024-INS004-001173,2016-09-17,5,68,73,1948,female,former_smoker,38.2,69,258,WI,USA,single,high_school,professional,20000.0,0.7785,full_paramedical,140,82,207,46,4.5,123,4.8,False,,,False,False,False,False,True,lymphoma,4.3,none,none,bipolar,0,False,False,False,False,True,declined,,,False,False,True,False,27,UW-426,7.0,whole_life,2000000,annual,85719.4,,none,63657.09,,,True,facultative,bank,False,True,False,0.034168,0.435294,SOA_2015_VBT,SOA_Scale_MP2023,7.357,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.205006,0.008,False,,1.0,False,,,,0.04,0.0431,False,normal_rate,3.81,2.09,False,True,False,False,False,0.909,24.0,20.0,standard_longevity,54.2,baseline,0.916,0.615,True,49.6,False,,1936342.91,624999.81,588340.18,685755.2,162866.86,False,0,-5.0,-20.0
LI-2024-INS004-001174,2021-05-01,3,36,39,1985,female,never_smoker,33.6,59,166,MI,USA,widowed,graduate,white_collar,51205.56,0.5063,full_paramedical,134,79,212,44,4.82,101,5.1,False,,,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-220,1.25,whole_life,500000,monthly,1926.67,,none,1222.39,,,False,none,captive_agent,False,False,False,0.001936,0.009397,SOA_2015_VBT,SOA_Scale_MP2023,1.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000484,0.02,True,0.00591,1.0,False,,,,0.04,0.0518,False,normal_rate,5.34,1.81,False,False,False,False,False,0.899,61.4,55.0,super_preferred_longevity,100.0,baseline,1.12,0.37,False,,False,,498777.61,15667.17,14885.19,15413.36,3660.67,False,0,5.68,9.74
LI-2024-INS004-001175,2022-09-16,1,78,79,1944,male,never_smoker,26.2,63,147,NM,USA,divorced,high_school,heavy_blue_collar,22973.16,0.5952,simplified_issue,132,80,164,49,3.35,120,4.8,False,,3.16,False,True,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_1,0.53,1.0,False,False,False,False,26,UW-090,1.25,term_life,1000000,monthly,8589.43,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.053691,0.096692,SOA_2015_VBT,SOA_Scale_MP2023,1.452,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013423,0.008,True,0.00113,1.0,False,,,,0.1,0.1224,False,normal_rate,4.87,1.03,False,False,False,False,False,0.791,8.6,7.6,sub_standard_longevity,32.8,baseline,1.054,0.712,False,,False,,1000000.0,27226.15,23055.12,26111.87,24840.63,False,0,0.1,15.4
LI-2024-INS004-001176,2002-04-08,10,26,36,1976,female,former_smoker,30.8,59,152,UT,USA,married,high_school,white_collar,93084.51,0.5362,full_paramedical,128,81,166,65,2.55,117,,False,111.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-299,2.25,term_life,250000,monthly,1827.17,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.00209,0.008283,SOA_2015_VBT,SOA_Scale_MP2023,2.471,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002613,0.018,False,,1.0,False,,,,0.05,0.0636,False,normal_rate,4.86,1.61,False,False,False,False,False,0.787,70.0,55.0,super_preferred_longevity,100.0,baseline,1.098,0.5,False,,False,,250000.0,13585.78,12742.12,14617.36,3471.62,False,0,0.69,-14.96
LI-2024-INS004-001177,2021-07-11,2,42,44,1979,male,former_smoker,27.7,61,146,MD,USA,single,graduate,professional,188116.33,0.6301,simplified_issue,153,100,203,69,2.94,79,,False,,1.06,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,36,UW-245,2.25,term_life,1000000,quarterly,7660.84,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.004427,0.018944,SOA_2015_VBT,SOA_Scale_MP2023,2.382,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005534,0.018,True,0.00257,1.0,False,,,,0.07,0.0837,False,normal_rate,2.68,1.77,False,False,False,False,False,0.992,50.8,48.8,super_preferred_longevity,95.2,baseline,1.027,0.444,False,,False,,1000000.0,63008.06,61536.57,61286.72,14555.6,False,0,-2.55,-15.26
LI-2024-INS004-001178,2003-03-25,17,65,82,1938,male,unknown,32.6,65,196,VA,USA,married,graduate,professional,134631.96,0.5312,simplified_issue,146,95,292,49,5.96,124,5.2,False,67.6,10.88,True,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-468,1.5,term_life,500000,semi_annual,4704.94,25.0,none,,,,False,none,worksite,False,False,False,0.082767,0.194651,SOA_2015_VBT,SOA_Scale_MP2023,1.681,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041384,0.005,False,,1.0,False,,,,0.03,0.0383,False,normal_rate,4.16,1.19,False,False,False,True,False,0.925,23.2,6.2,standard_longevity,39.8,baseline,1.102,0.438,False,,False,,500000.0,10954.69,11914.13,11668.25,14133.64,False,0,0.27,1.58
LI-2024-INS004-001179,2017-12-14,6,75,81,1942,male,never_smoker,27.6,70,192,MN,USA,married,some_college,professional,23335.5,0.4147,non_med_guaranteed,145,86,226,52,4.35,90,5.5,False,76.6,13.79,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-205,1.25,term_life,250000,quarterly,1949.12,20.0,none,,,,False,none,bank,False,False,False,0.062837,0.111414,SOA_2015_VBT,SOA_Scale_MP2023,1.281,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015709,0.008,False,,1.0,False,,,,0.05,0.0684,False,normal_rate,3.4,1.41,False,False,False,False,False,0.854,13.6,7.6,standard_longevity,40.1,baseline,1.189,0.357,False,,False,,250000.0,5978.59,5707.13,5925.32,5636.86,False,0,1.75,9.49
LI-2024-INS004-001180,2022-09-12,5,71,76,1951,female,never_smoker,31.8,71,227,MI,USA,divorced,high_school,heavy_blue_collar,80900.53,0.7513,full_paramedical,144,89,269,42,6.4,126,4.8,False,74.3,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,True,False,True,substandard_table_5,1.0,5.0,False,False,False,False,62,UW-127,2.25,term_life,2000000,annual,25084.32,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.033066,0.114964,SOA_2015_VBT,SOA_Scale_MP2023,2.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041332,0.012,True,0.00136,1.0,False,,,,0.07,0.0769,False,normal_rate,2.72,2.02,False,False,False,False,False,0.978,21.6,16.6,standard_longevity,48.7,baseline,0.937,0.696,False,,False,,2000000.0,170375.96,161761.82,166559.88,54483.14,False,0,-0.47,-15.78
LI-2024-INS004-001181,2013-11-19,14,60,74,1953,male,current_smoker,31.1,63,175,MS,USA,widowed,bachelors,hazardous,223849.69,0.5469,limited_exam,152,99,215,49,4.39,94,5.1,True,,8.07,False,False,False,False,True,melanoma,5.4,none,none,anxiety,0,False,False,False,False,True,substandard_table_4,3.07,4.0,True,False,False,False,37,UW-221,2.0,annuity_deferred,500000,semi_annual,6654.97,,none,7263.72,,,False,none,independent_broker,False,True,False,0.071113,0.230611,SOA_2015_VBT,SOA_Scale_MP2023,2.058,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.071113,0.012,False,,1.0,False,,,,0.01,0.0126,False,normal_rate,4.01,1.52,True,False,False,False,False,0.857,28.1,14.1,standard_longevity,41.9,baseline,1.09,0.59,False,,False,,492736.28,37074.13,35607.71,37534.03,15785.59,False,0,-1.54,-3.96
LI-2024-INS004-001182,2000-12-03,18,48,66,1952,male,unknown,21.6,72,159,ME,USA,married,some_college,heavy_blue_collar,145197.25,0.5913,full_paramedical,105,66,219,57,3.84,96,,False,70.1,2.17,False,False,False,False,True,colorectal,3.3,none,none,substance_use_disorder,3,False,False,False,False,True,substandard_table_5,1.37,5.0,False,False,False,False,50,UW-408,2.25,universal_life,250000,monthly,3096.42,,10yr_declining,3875.3,,,False,none,independent_broker,False,False,False,0.020106,0.074542,SOA_2015_VBT,SOA_Scale_MP2023,2.326,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025132,0.012,False,,1.0,False,,,,0.04,0.0491,False,normal_rate,3.28,2.57,False,False,False,False,False,0.826,40.1,24.7,standard_longevity,58.4,baseline,1.057,0.751,True,68.6,False,,246124.7,24882.89,21582.54,24771.36,5883.2,False,0,-1.0,-14.7
LI-2024-INS004-001183,2014-10-12,12,40,52,1974,female,current_smoker,21.2,70,147,OK,USA,divorced,some_college,white_collar,214161.35,0.9788,limited_exam,116,66,179,75,2.39,90,5.6,True,93.9,,False,True,False,False,False,none,,none,mild_gold_1,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-111,2.0,whole_life,100000,monthly,926.32,,none,937.68,,,False,none,bank,False,False,False,0.010055,0.027136,SOA_2015_VBT,SOA_Scale_MP2023,2.218,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010055,0.018,False,,1.0,False,,,,0.015,0.0138,False,normal_rate,5.13,1.42,False,False,False,False,False,0.984,57.5,45.5,super_preferred_longevity,95.4,baseline,0.766,0.926,False,,False,,99062.32,7840.78,6417.82,7410.56,1760.01,False,0,3.15,-2.34
LI-2024-INS004-001184,2011-04-09,14,20,34,1991,male,never_smoker,26.8,74,208,MN,USA,single,bachelors,light_blue_collar,38052.27,0.6694,simplified_issue,107,52,171,27,6.33,81,,False,110.0,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,45,UW-404,2.25,annuity_immediate,1000000,annual,7037.06,,none,,,,True,none,independent_broker,False,False,False,0.001792,0.006695,SOA_2015_VBT,SOA_Scale_MP2023,2.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002241,0.022,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.29,1.53,False,False,False,False,False,0.762,70.0,55.0,super_preferred_longevity,100.0,baseline,0.998,0.534,False,,False,,1000000.0,51469.6,49274.33,56296.48,13370.41,False,0,5.84,-12.7
LI-2024-INS004-001185,2013-08-18,10,62,72,1951,male,never_smoker,30.0,63,169,NV,USA,married,bachelors,hazardous,232463.85,0.3553,full_paramedical,131,73,213,49,4.35,131,4.7,False,74.7,1.63,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,2.57,,True,False,False,False,8,UW-281,0.75,term_life,250000,quarterly,1078.2,10.0,none,,,,False,none,independent_broker,False,False,False,0.029142,0.028219,SOA_2015_VBT,SOA_Scale_MP2023,0.785,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0708,False,normal_rate,4.42,2.66,False,False,False,False,False,0.906,25.0,15.3,standard_longevity,40.8,baseline,1.234,0.319,True,40.5,False,,250000.0,6987.08,6560.37,6598.58,2453.98,False,0,4.9,20.86
LI-2024-INS004-001186,2015-11-15,11,37,48,1978,male,never_smoker,29.4,61,155,TX,USA,divorced,high_school,professional,39556.46,0.9323,full_paramedical,121,70,208,39,5.33,83,,False,,3.02,False,True,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-368,2.25,group_life,500000,monthly,4924.05,,none,,,,True,none,captive_agent,False,False,False,0.004587,0.014882,SOA_2015_VBT,SOA_Scale_MP2023,2.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005734,0.018,False,,1.0,False,,,,0.1,0.0954,False,normal_rate,6.13,1.77,False,False,False,False,False,0.908,56.9,45.9,super_preferred_longevity,95.3,baseline,0.801,0.942,False,,False,,500000.0,35470.96,39337.64,39392.4,9355.69,False,0,4.16,-8.44
LI-2024-INS004-001187,2003-07-22,12,44,56,1959,female,current_smoker,27.2,71,194,NE,USA,married,high_school,professional,103089.59,0.4826,limited_exam,127,69,270,63,4.29,99,5.4,True,86.8,,True,False,True,False,True,breast,9.0,none,none,none,1,False,False,False,False,True,substandard_table_3,,3.0,False,False,False,False,45,UW-100,1.75,group_life,500000,semi_annual,3612.46,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.012975,0.037683,SOA_2015_VBT,SOA_Scale_MP2023,1.893,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009731,0.012,False,,1.0,False,,,,0.1,0.1314,False,normal_rate,5.16,1.67,False,False,False,False,False,0.867,51.7,45.6,super_preferred_longevity,98.1,baseline,1.138,0.604,True,76.5,False,,500000.0,30623.2,28440.93,28899.68,6863.67,False,0,0.8,-9.93
LI-2024-INS004-001188,2011-07-14,13,72,85,1939,male,unknown,21.9,72,161,IA,USA,single,graduate,professional,67485.67,0.7564,full_paramedical,138,87,221,65,3.4,77,5.3,False,,4.36,False,True,True,False,True,melanoma,2.5,none,none,substance_use_disorder,6,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,40,UW-348,2.25,term_life,1000000,monthly,17117.95,20.0,none,,,,True,facultative,employer_group,False,False,False,0.107581,0.371781,SOA_2015_VBT,SOA_Scale_MP2023,2.365,respiratory,True,2011-12-13,True,True,1163096.35,0.0007,5e-05,1.095,0.134476,0.005,False,,1.0,False,,,,0.03,0.0394,False,normal_rate,4.72,2.65,False,False,False,False,False,0.841,17.3,4.3,standard_longevity,40.3,baseline,0.933,0.768,False,,False,,1000000.0,26693.52,30672.58,29442.87,54024.25,False,0,-1.08,-4.66
LI-2024-INS004-001189,2001-06-06,8,48,56,1953,male,former_smoker,21.5,74,167,MN,USA,divorced,some_college,heavy_blue_collar,29011.38,0.3883,full_paramedical,127,59,226,66,3.42,89,,False,83.0,2.68,False,False,True,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,1.38,4.0,False,False,False,False,23,UW-365,2.0,term_life,250000,semi_annual,2480.07,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.009806,0.03645,SOA_2015_VBT,SOA_Scale_MP2023,2.248,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009806,0.012,False,,1.0,False,,,,0.05,0.0973,False,normal_rate,2.56,2.63,False,False,False,False,False,0.925,42.5,36.7,super_preferred_longevity,83.4,baseline,1.209,0.472,True,53.0,False,,250000.0,20201.41,20145.88,19840.56,4712.13,False,0,2.7,-9.11
LI-2024-INS004-001190,2008-09-13,18,22,40,1986,male,former_smoker,30.5,65,183,MI,USA,married,high_school,white_collar,53570.18,0.8761,full_paramedical,123,69,184,64,2.88,98,,False,86.4,1.13,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,13,UW-115,0.84,annuity_deferred,1000000,annual,2775.9,,none,3382.47,,,True,none,worksite,True,False,False,0.003357,0.002154,SOA_2015_VBT,SOA_Scale_MP2023,0.761,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.01,0.01,False,normal_rate,3.5,1.44,False,False,False,False,False,0.936,70.0,52.0,super_preferred_longevity,100.0,baseline,0.843,1.0,False,,False,,996617.53,23916.6,22616.13,22207.2,5274.21,False,0,6.72,27.49
LI-2024-INS004-001191,2005-10-01,9,62,71,1943,female,current_smoker,27.0,69,182,WI,USA,divorced,graduate,light_blue_collar,76064.1,0.5328,full_paramedical,110,68,172,41,4.2,100,5.0,True,71.9,,False,True,False,True,False,none,,none,severe_gold_3,anxiety,6,False,False,False,False,True,substandard_table_9,,9.0,False,False,False,False,21,UW-375,3.25,term_life,100000,annual,1751.13,15.0,none,,,,False,none,employer_group,False,False,False,0.042399,0.270311,SOA_2015_VBT,SOA_Scale_MP2023,3.749,other,True,2014-07-22,False,False,601880.92,0.0007,5e-05,1.095,0.095398,0.008,False,,1.0,False,,,,0.05,0.0764,False,normal_rate,3.01,1.94,False,False,False,False,False,0.997,28.2,19.2,standard_longevity,49.3,baseline,1.1,0.527,False,,False,,100000.0,12990.14,13697.64,13448.68,3439.22,False,0,-2.64,-20.0
LI-2024-INS004-001192,2021-02-23,5,74,79,1947,female,never_smoker,31.4,65,188,CO,USA,single,some_college,heavy_blue_collar,53165.39,0.9716,full_paramedical,139,79,212,49,4.33,87,5.0,False,71.7,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,0.52,1.0,False,False,False,False,3,UW-380,1.25,annuity_deferred,1000000,monthly,8859.87,,none,6757.0,,,True,facultative,independent_broker,False,False,False,0.044001,0.059991,SOA_2015_VBT,SOA_Scale_MP2023,1.397,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011,0.008,True,0.00158,1.0,False,,,,0.04,0.0369,False,normal_rate,2.35,2.92,False,False,False,False,False,0.806,18.6,14.3,standard_longevity,48.5,baseline,0.771,1.0,True,50.3,False,,993243.0,54241.83,52690.67,50678.46,20873.85,False,0,0.84,21.37
LI-2024-INS004-001193,2022-08-21,3,59,62,1963,male,current_smoker,25.0,70,174,DE,USA,married,some_college,light_blue_collar,180942.56,0.7069,full_paramedical,124,73,251,53,4.74,112,,True,,2.06,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,17,UW-050,2.5,annuity_immediate,2000000,semi_annual,27263.16,,none,,,,True,quota_share,bank,True,False,False,0.028102,0.119187,SOA_2015_VBT,SOA_Scale_MP2023,2.704,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042153,0.015,True,0.00334,1.0,False,,,,0.005,0.0057,False,normal_rate,2.53,2.19,False,True,False,False,False,0.875,31.5,28.5,preferred_longevity,65.9,baseline,0.97,0.611,False,,False,,2000000.0,232255.58,200164.33,218105.28,51800.0,False,0,2.64,-13.98
LI-2024-INS004-001194,2015-08-11,9,33,42,1982,female,never_smoker,33.7,69,228,NV,USA,married,some_college,white_collar,112740.1,0.626,full_paramedical,119,77,212,51,4.16,116,4.7,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,standard,,,False,False,False,False,29,UW-357,1.01,term_life,1000000,monthly,3681.26,20.0,none,,,,True,none,captive_agent,True,False,False,0.002366,0.002698,SOA_2015_VBT,SOA_Scale_MP2023,1.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,2.4e-05,0.02,False,,1.0,False,,,,0.05,0.06,False,normal_rate,2.11,1.94,False,False,False,False,False,0.904,64.4,55.0,super_preferred_longevity,100.0,baseline,1.03,0.622,False,,False,,1000000.0,26889.11,29760.93,29450.08,6994.39,False,0,5.05,17.44
LI-2024-INS004-001195,2003-08-21,17,35,52,1968,female,former_smoker,22.1,62,120,MA,USA,single,graduate,professional,135442.91,0.7688,full_paramedical,124,72,184,50,3.68,109,5.2,False,68.1,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-175,2.25,whole_life,500000,monthly,4498.11,,none,5261.74,,,False,none,independent_broker,False,False,False,0.006536,0.022472,SOA_2015_VBT,SOA_Scale_MP2023,2.37,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00817,0.015,False,,1.0,False,,,,0.015,0.0163,False,normal_rate,3.81,1.07,False,False,False,False,False,0.796,60.5,43.5,super_preferred_longevity,89.3,baseline,0.923,0.788,False,,False,,494738.26,34318.09,31547.11,35984.88,8546.41,False,0,-0.84,-8.28
LI-2024-INS004-001196,2013-10-08,6,40,46,1973,male,never_smoker,34.3,76,282,TX,USA,divorced,bachelors,light_blue_collar,37157.78,0.429,full_paramedical,109,63,231,53,4.36,122,4.7,False,105.6,1.95,False,False,True,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-185,1.25,universal_life,1000000,annual,5325.23,,15yr_declining,4240.88,,,True,coinsurance,employer_group,False,False,False,0.003943,0.007119,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000986,0.018,False,,1.0,False,,,,0.06,0.044,False,normal_rate,5.6,2.83,False,False,False,False,False,0.804,54.1,48.1,super_preferred_longevity,100.0,baseline,1.178,0.574,False,,False,,995759.12,44541.54,37485.3,42601.84,10117.94,False,0,4.32,14.25
LI-2024-INS004-001197,2016-04-13,4,55,59,1961,male,never_smoker,18.7,60,95,TN,USA,married,some_college,professional,47661.21,0.2678,full_paramedical,119,76,229,41,5.59,89,,False,92.1,7.13,False,False,False,False,False,none,,none,none,none,2,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,48,UW-376,1.5,term_life,500000,monthly,3803.63,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.010557,0.027688,SOA_2015_VBT,SOA_Scale_MP2023,1.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005278,0.015,False,,1.0,False,,,,0.07,0.2038,False,normal_rate,3.01,2.19,False,False,False,False,False,0.936,33.4,29.4,preferred_longevity,60.6,baseline,1.299,0.116,False,,False,,500000.0,27581.34,31740.45,30429.04,7226.9,False,0,3.21,3.02
LI-2024-INS004-001198,2002-09-27,2,37,39,1965,male,never_smoker,26.4,75,210,AZ,USA,single,high_school,professional,57584.27,0.5138,simplified_issue,152,100,200,38,5.26,96,5.5,False,100.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-003,1.5,annuity_deferred,2000000,annual,9050.37,,none,5548.68,,,True,quota_share,employer_group,False,False,False,0.002419,0.005827,SOA_2015_VBT,SOA_Scale_MP2023,1.712,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00121,0.015,False,,1.0,False,,,,0.04,0.0619,False,normal_rate,1.28,1.93,False,False,False,False,False,0.838,53.0,51.8,super_preferred_longevity,97.9,baseline,1.115,0.753,False,,True,0.51,1994451.32,71727.81,70381.94,72402.96,17195.7,False,0,5.52,6.06
LI-2024-INS004-001199,2020-09-03,4,34,38,1986,non_binary,never_smoker,29.5,73,223,VA,USA,married,high_school,light_blue_collar,55291.66,0.8451,limited_exam,113,70,241,63,3.83,92,5.3,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,13,UW-133,1.0,whole_life,250000,quarterly,881.33,,none,648.29,,,False,none,captive_agent,True,False,False,0.002043,0.002676,SOA_2015_VBT,SOA_Scale_MP2023,1.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00088,1.0,False,,,,0.04,0.041,False,normal_rate,3.0,1.21,False,False,False,False,False,0.908,60.9,55.0,super_preferred_longevity,100.0,baseline,0.866,0.862,False,,False,,249351.71,7730.01,7274.61,7050.64,1674.53,False,0,2.62,24.47
LI-2024-INS004-001200,2020-02-19,1,36,37,1984,female,never_smoker,31.5,60,161,FL,USA,single,bachelors,white_collar,159191.53,0.551,full_paramedical,135,93,233,45,5.18,98,5.1,False,102.9,,False,True,True,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-474,2.0,whole_life,500000,semi_annual,2890.65,,none,1884.88,,,False,none,captive_agent,False,False,False,0.001707,0.008439,SOA_2015_VBT,SOA_Scale_MP2023,2.119,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001707,0.02,True,0.0028,1.0,False,,,,0.06,0.0756,False,normal_rate,4.07,1.65,False,False,False,False,False,0.894,64.4,56.9,super_preferred_longevity,100.0,baseline,1.087,0.912,True,44.2,False,,498115.12,24430.76,23828.18,23125.2,5492.23,False,0,3.37,-1.8
LI-2024-INS004-001201,2018-02-21,7,27,34,1991,male,never_smoker,25.6,63,144,MD,USA,single,bachelors,white_collar,36310.69,0.412,full_paramedical,134,84,174,41,4.24,116,,False,97.3,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,45,UW-491,2.25,whole_life,500000,monthly,3593.08,,none,3015.71,,,False,none,bank,True,True,False,0.001792,0.007441,SOA_2015_VBT,SOA_Scale_MP2023,2.436,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002241,0.022,False,,1.0,True,2025-10-08,voluntary_surrender,7.0,0.02,0.0274,False,normal_rate,1.86,0.91,False,False,True,False,False,0.898,67.1,56.4,super_preferred_longevity,100.0,baseline,1.191,0.576,True,41.8,False,,496984.29,26656.07,25499.12,28744.64,6826.85,False,0,-0.48,-11.52
LI-2024-INS004-001202,2007-05-06,1,29,30,1978,female,never_smoker,27.4,71,196,UT,USA,married,bachelors,hazardous,64085.77,0.6547,full_paramedical,146,98,202,64,3.16,100,6.2,False,91.2,,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,2.67,2.0,True,False,False,False,11,UW-296,1.5,whole_life,2000000,annual,7759.41,,none,4572.64,,,True,excess_of_loss,independent_broker,False,False,False,0.001168,0.002482,SOA_2015_VBT,SOA_Scale_MP2023,1.611,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000584,0.018,False,,1.0,False,,,,0.06,0.0706,False,normal_rate,4.04,2.34,False,False,False,False,False,0.822,67.8,55.0,super_preferred_longevity,100.0,baseline,1.009,0.673,False,,False,,1995427.36,58948.48,64304.7,62075.28,14742.88,False,0,-1.04,5.89
LI-2024-INS004-001203,2017-08-05,5,74,79,1943,male,unknown,21.9,76,179,WI,USA,married,less_than_hs,white_collar,46410.32,0.6744,limited_exam,104,72,219,40,5.47,69,5.4,False,67.8,6.14,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-350,1.25,term_life,500000,quarterly,3574.83,20.0,none,,,,False,none,independent_broker,False,False,False,0.061251,0.102089,SOA_2015_VBT,SOA_Scale_MP2023,1.425,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015313,0.008,False,,1.0,True,2025-06-20,voluntary_surrender,5.0,0.07,0.0812,False,normal_rate,2.76,0.95,False,False,False,False,False,0.876,12.8,7.5,sub_standard_longevity,33.9,baseline,0.994,0.514,True,21.2,False,,500000.0,10197.35,9997.18,10724.49,10367.01,False,0,3.63,12.23
LI-2024-INS004-001204,2001-10-18,13,40,53,1961,female,former_smoker,23.0,58,109,ND,USA,single,some_college,white_collar,79928.22,0.5363,limited_exam,111,65,218,55,3.96,103,,False,79.8,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-293,0.77,whole_life,1000000,monthly,3755.0,,none,3955.99,,,True,none,bank,False,False,False,0.00667,0.005748,SOA_2015_VBT,SOA_Scale_MP2023,0.785,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.015,0.0191,False,normal_rate,3.28,1.59,False,False,False,False,False,0.873,56.5,48.2,super_preferred_longevity,100.0,baseline,1.098,0.467,True,65.8,False,,996044.01,27359.61,29994.56,30040.0,7134.5,False,0,5.92,15.06
LI-2024-INS004-001205,2006-12-19,9,20,29,1986,male,never_smoker,32.9,66,203,ID,USA,divorced,high_school,white_collar,443702.39,0.4022,full_paramedical,107,76,220,36,6.11,115,5.0,False,99.1,,False,True,False,False,False,none,,none,none,none,5,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,14,UW-485,1.5,whole_life,500000,monthly,2065.43,,none,1741.11,,,True,excess_of_loss,independent_broker,False,False,False,0.001394,0.003585,SOA_2015_VBT,SOA_Scale_MP2023,1.729,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000697,0.02,False,,1.0,False,,,,0.02,0.0276,False,normal_rate,0.39,2.85,False,False,False,False,False,0.758,70.0,55.0,super_preferred_longevity,100.0,baseline,1.198,0.514,False,,False,,498258.89,17971.34,15477.64,16523.44,3924.32,False,0,-0.13,6.94
LI-2024-INS004-001206,2017-04-08,9,75,84,1942,male,never_smoker,25.5,64,148,RI,USA,married,high_school,light_blue_collar,138933.73,0.9074,simplified_issue,139,92,277,47,5.89,95,4.4,False,,11.08,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-092,2.25,annuity_deferred,1000000,monthly,13665.57,,none,12183.23,,,True,coinsurance,captive_agent,False,False,False,0.081343,0.255254,SOA_2015_VBT,SOA_Scale_MP2023,2.304,cardiovascular,True,2019-07-25,False,False,324025.76,0.0007,5e-05,1.095,0.101678,0.008,False,,1.0,False,,,,0.02,0.0195,False,normal_rate,4.88,0.84,False,False,False,False,False,0.839,12.6,3.6,sub_standard_longevity,31.5,baseline,0.819,0.798,False,,False,,987816.77,18145.44,17628.38,19678.42,43893.81,False,0,2.51,-7.71
LI-2024-INS004-001207,2022-06-12,1,40,41,1982,male,never_smoker,32.9,62,180,NJ,USA,divorced,graduate,heavy_blue_collar,20000.0,0.3827,full_paramedical,126,81,235,36,6.53,131,6.0,False,,0.52,True,False,False,False,False,none,,pre_diabetes,none,schizophrenia,5,True,True,False,False,True,substandard_table_5,3.67,5.0,True,False,False,False,40,UW-053,2.25,term_life,500000,monthly,3607.33,20.0,none,,,,False,none,independent_broker,False,False,False,0.002761,0.015804,SOA_2015_VBT,SOA_Scale_MP2023,2.467,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003452,0.02,True,0.00409,1.0,False,,,,0.1,0.1394,False,normal_rate,4.97,1.04,False,False,False,False,False,0.998,52.4,50.1,super_preferred_longevity,93.4,baseline,1.213,0.488,False,,True,-0.842,500000.0,30452.17,27079.74,28858.64,6853.93,False,0,-0.1,-16.57
LI-2024-INS004-001208,2013-06-13,4,32,36,1981,female,unknown,26.2,61,138,OH,USA,married,high_school,heavy_blue_collar,55218.05,0.9016,simplified_issue,127,68,175,34,5.15,80,,False,86.8,,True,True,False,False,True,breast,0.7,none,none,depression,12,False,False,False,False,True,standard,1.38,,False,True,False,False,42,UW-500,1.0,universal_life,500000,annual,1423.81,,10yr_declining,1064.26,,,False,none,independent_broker,False,False,False,0.001849,0.00158,SOA_2015_VBT,SOA_Scale_MP2023,1.037,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0352,False,normal_rate,4.1,2.42,False,False,False,False,False,0.822,66.4,55.0,super_preferred_longevity,100.0,baseline,0.824,0.673,False,,False,,498935.74,10376.65,11371.35,11390.48,2705.24,False,0,2.48,23.83
LI-2024-INS004-001209,2015-09-24,11,54,65,1961,male,never_smoker,25.6,63,144,SD,USA,married,graduate,white_collar,130227.28,0.8524,full_paramedical,123,67,211,45,4.69,92,5.9,False,76.2,2.33,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,9,UW-457,0.69,term_life,2000000,monthly,6935.88,20.0,none,,,,True,none,captive_agent,False,False,False,0.017656,0.010106,SOA_2015_VBT,SOA_Scale_MP2023,0.665,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0305,False,normal_rate,2.08,0.65,False,False,False,False,False,0.97,36.8,26.7,preferred_longevity,65.3,baseline,0.861,0.865,True,45.0,False,,2000000.0,53332.2,56333.36,55487.04,13178.17,False,0,6.13,31.32
LI-2024-INS004-001210,2021-05-13,4,34,38,1987,male,never_smoker,21.7,70,151,KS,USA,single,less_than_hs,white_collar,27982.2,0.6581,full_paramedical,119,70,175,64,2.73,95,5.6,False,107.1,,False,False,True,False,False,none,,none,none,none,9,False,False,False,False,False,preferred_plus,,,False,False,False,False,14,UW-052,0.61,term_life,1000000,semi_annual,1760.78,20.0,none,,,,True,none,captive_agent,False,False,False,0.00227,0.001635,SOA_2015_VBT,SOA_Scale_MP2023,0.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00033,1.0,False,,,,0.07,0.0821,False,normal_rate,2.05,1.86,False,False,False,False,False,0.82,63.3,55.0,super_preferred_longevity,100.0,baseline,1.006,0.523,False,,False,,1000000.0,14519.04,14313.43,14086.24,3345.48,False,0,4.34,27.5
LI-2024-INS004-001211,2001-08-07,17,21,38,1980,male,never_smoker,20.9,65,125,NH,USA,married,graduate,heavy_blue_collar,52148.89,0.8581,full_paramedical,129,87,164,59,2.78,103,4.7,False,77.7,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,1.34,1.0,False,False,False,False,14,UW-230,1.25,whole_life,2000000,quarterly,7687.17,,none,9409.6,,,True,coinsurance,bank,False,False,False,0.00227,0.00322,SOA_2015_VBT,SOA_Scale_MP2023,1.364,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.02,False,,1.0,False,,,,0.015,0.0152,False,normal_rate,3.72,1.47,False,False,False,False,False,0.985,70.0,53.0,super_preferred_longevity,100.0,baseline,0.856,0.917,False,,False,,1990590.4,61253.46,53417.16,61497.36,14605.62,False,0,2.9,16.4
LI-2024-INS004-001212,2005-03-27,5,61,66,1944,female,unknown,25.7,69,173,MI,USA,single,high_school,light_blue_collar,83264.42,0.3205,full_paramedical,126,78,252,66,3.82,90,4.8,False,64.3,,False,False,False,True,False,none,,none,none,depression,7,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,38,UW-341,2.5,universal_life,250000,monthly,3127.91,,15yr_declining,2199.71,,,False,none,bank,False,False,False,0.015897,0.07649,SOA_2015_VBT,SOA_Scale_MP2023,2.629,cancer,True,2008-10-07,False,False,1499512.35,0.0007,5e-05,1.095,0.023846,0.008,False,,1.0,False,,,,0.08,0.052,False,normal_rate,3.8,2.24,False,False,False,False,False,0.865,28.5,23.6,standard_longevity,52.7,baseline,1.26,0.218,False,,True,0.075,247800.29,26756.89,25890.19,25023.28,5943.03,False,0,3.89,-20.0
LI-2024-INS004-001213,2023-02-11,3,46,49,1977,female,former_smoker,32.9,59,162,NY,USA,single,graduate,white_collar,36865.15,0.6516,accelerated_UW,117,69,239,40,5.97,108,5.7,False,71.3,,True,False,False,False,False,none,,pre_diabetes,none,bipolar,3,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,True,41,UW-414,2.0,term_life,2000000,monthly,18439.29,20.0,none,,,,True,none,captive_agent,False,False,False,0.005154,0.016054,SOA_2015_VBT,SOA_Scale_MP2023,2.091,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005154,0.018,False,,1.0,False,,,,0.07,0.0825,False,normal_rate,4.93,0.76,False,False,False,False,False,0.884,50.6,47.6,super_preferred_longevity,93.7,baseline,1.011,0.546,False,,False,,2000000.0,157767.07,154423.14,147514.32,35034.65,False,0,1.79,-6.42
LI-2024-INS004-001214,2006-05-17,18,21,39,1985,female,never_smoker,32.7,62,178,MT,USA,divorced,some_college,light_blue_collar,61978.78,0.7043,full_paramedical,122,76,244,45,5.42,100,5.2,False,106.1,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-317,1.25,term_life,100000,monthly,455.97,15.0,none,,,,False,none,captive_agent,False,False,False,0.001936,0.003151,SOA_2015_VBT,SOA_Scale_MP2023,1.418,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000484,0.02,False,,1.0,False,,,,0.03,0.0341,False,normal_rate,1.38,2.06,False,False,False,False,False,0.952,70.0,52.0,super_preferred_longevity,100.0,baseline,0.972,0.603,False,,False,,100000.0,3444.34,3655.24,3647.76,866.34,False,0,1.56,16.2
LI-2024-INS004-001215,2017-10-22,4,79,83,1938,male,never_smoker,22.0,69,149,MT,USA,divorced,high_school,light_blue_collar,182825.76,0.7462,accelerated_UW,136,92,183,51,3.59,92,,False,83.6,8.8,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,30,UW-003,1.25,universal_life,500000,annual,4182.79,,10yr_declining,2994.54,,,True,coinsurance,independent_broker,False,False,False,0.078439,0.114909,SOA_2015_VBT,SOA_Scale_MP2023,1.292,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01961,0.005,False,,1.0,False,,,,0.08,0.0397,False,normal_rate,2.65,1.41,False,False,False,False,False,0.814,7.1,3.7,sub_standard_longevity,29.2,baseline,0.94,0.812,True,85.3,False,,497005.46,6396.23,5847.13,6190.53,13401.66,False,0,1.68,14.08
LI-2024-INS004-001216,2022-01-17,5,67,72,1955,male,current_smoker,27.4,64,159,ND,USA,single,some_college,white_collar,222223.23,0.6912,full_paramedical,147,94,230,60,3.83,102,5.5,True,75.9,4.17,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-268,2.0,universal_life,100000,monthly,1129.9,,10yr_declining,877.04,,,False,none,bank,False,False,False,0.061168,0.190368,SOA_2015_VBT,SOA_Scale_MP2023,2.113,cancer,True,2023-03-31,True,False,981736.15,0.0007,5e-05,1.095,0.061168,0.012,True,0.00233,1.0,False,,,,0.08,0.0413,False,normal_rate,1.82,1.6,True,False,False,False,False,0.817,22.0,17.0,standard_longevity,48.4,baseline,0.982,0.578,False,,False,,99122.96,7376.24,6796.49,7683.32,2417.99,False,0,0.44,-10.17
LI-2024-INS004-001217,2007-02-02,5,77,82,1930,female,never_smoker,23.3,60,119,IN,USA,widowed,some_college,professional,58824.62,0.5095,full_paramedical,139,80,248,55,4.51,85,5.7,False,75.7,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,27,UW-016,1.25,group_life,250000,monthly,2351.11,,none,,,,False,none,employer_group,False,False,False,0.055314,0.094769,SOA_2015_VBT,SOA_Scale_MP2023,1.309,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013829,0.005,False,,1.0,True,2025-09-06,replacement,5.0,0.15,0.2326,False,normal_rate,3.71,2.09,False,False,False,False,False,0.873,10.9,5.9,sub_standard_longevity,29.0,baseline,1.118,0.492,False,,False,,250000.0,5608.96,5376.52,5548.62,7119.16,False,0,3.98,16.54
LI-2024-INS004-001218,2016-09-22,5,62,67,1954,male,never_smoker,23.5,64,136,HI,USA,married,some_college,professional,132977.7,0.6473,full_paramedical,135,87,187,57,3.28,110,4.8,False,,2.42,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-496,2.25,annuity_immediate,500000,annual,5580.53,,none,,,,False,none,independent_broker,True,False,False,0.019536,0.072979,SOA_2015_VBT,SOA_Scale_MP2023,2.45,cancer,True,2017-04-16,True,True,1895150.84,0.0007,5e-05,1.095,0.02442,0.012,False,,1.0,False,,,,0.005,0.0059,False,normal_rate,4.06,0.63,False,False,False,False,True,0.93,26.6,22.0,standard_longevity,55.2,baseline,1.015,0.738,True,39.5,False,,500000.0,43749.64,43745.21,44644.24,10603.01,False,0,5.05,-6.6
LI-2024-INS004-001219,2013-12-06,7,23,30,1990,female,never_smoker,26.6,69,179,AR,USA,married,high_school,professional,69765.74,0.8194,full_paramedical,120,77,212,40,5.3,123,,False,89.3,,False,True,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-414,1.25,term_life,250000,semi_annual,713.9,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001168,0.001623,SOA_2015_VBT,SOA_Scale_MP2023,1.287,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000292,0.022,False,,1.0,True,2026-04-28,replacement,7.0,0.05,0.0731,False,normal_rate,0.31,1.59,False,False,True,False,False,0.768,70.0,59.0,super_preferred_longevity,100.0,baseline,0.885,0.721,True,56.0,False,,250000.0,5469.07,5258.7,5711.2,1356.41,False,0,5.19,13.56
LI-2024-INS004-001220,2019-02-22,8,45,53,1974,male,current_smoker,27.5,62,150,CO,USA,single,less_than_hs,professional,61288.47,0.8517,full_paramedical,117,66,204,47,4.34,93,4.8,True,95.6,3.74,True,True,False,False,False,none,,none,mild_gold_1,depression,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-113,2.0,universal_life,250000,quarterly,2219.3,,15yr_declining,1774.56,,,False,none,captive_agent,False,False,False,0.013626,0.037437,SOA_2015_VBT,SOA_Scale_MP2023,2.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013626,0.018,False,,1.0,False,,,,0.06,0.0275,False,normal_rate,1.98,1.55,False,False,False,False,False,0.84,47.9,40.2,super_preferred_longevity,85.6,baseline,0.861,0.824,True,35.8,False,,248225.44,19194.98,17597.52,17754.4,4216.67,False,0,3.4,-7.36
LI-2024-INS004-001221,2005-05-04,8,35,43,1970,female,former_smoker,20.2,72,148,VT,USA,married,some_college,light_blue_collar,54434.13,0.7903,accelerated_UW,113,73,138,68,2.03,60,5.7,False,,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred,,,False,False,False,True,16,UW-144,0.78,term_life,500000,monthly,1583.96,20.0,none,,,,False,none,captive_agent,False,False,False,0.003298,0.002382,SOA_2015_VBT,SOA_Scale_MP2023,0.796,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0534,False,normal_rate,5.73,2.41,False,False,False,False,False,0.778,61.1,53.1,super_preferred_longevity,100.0,baseline,0.907,0.866,False,,False,,500000.0,12169.26,11130.33,12671.68,3009.52,False,0,4.72,23.48
LI-2024-INS004-001222,2022-05-24,2,40,42,1982,female,former_smoker,31.4,62,171,ME,USA,married,high_school,light_blue_collar,27017.12,0.387,non_med_guaranteed,105,57,204,51,4.0,82,,False,,,False,False,False,True,False,none,,none,none,anxiety,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,46,UW-205,2.5,whole_life,500000,quarterly,4619.3,,none,3142.74,,,False,none,direct_to_consumer,False,False,False,0.003075,0.017736,SOA_2015_VBT,SOA_Scale_MP2023,2.591,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004613,0.02,True,0.00348,1.0,False,,,,0.04,0.0779,False,normal_rate,4.45,2.41,False,False,False,False,False,0.914,56.4,54.5,super_preferred_longevity,100.0,baseline,1.21,0.376,False,,True,0.063,496857.26,39923.94,33864.28,36954.4,8776.67,False,0,-0.6,-20.0
LI-2024-INS004-001223,2006-06-09,12,75,87,1931,male,former_smoker,36.2,68,238,WA,USA,married,graduate,professional,111724.21,0.5636,non_med_guaranteed,148,81,238,42,5.67,137,6.3,False,74.2,5.89,True,False,True,True,False,none,,none,none,bipolar,1,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,42,UW-315,2.5,indexed_ul,1000000,annual,18638.08,,10yr_declining,18896.63,,,True,quota_share,employer_group,False,False,False,0.138422,0.614437,SOA_2015_VBT,SOA_Scale_MP2023,2.728,cardiovascular,True,2007-06-22,True,True,1463804.29,0.0007,5e-05,1.095,0.207633,0.005,False,,1.0,False,,,,0.04,0.06,False,normal_rate,1.57,2.18,False,False,False,False,False,0.957,12.3,1.0,sub_standard_longevity,32.5,baseline,1.077,0.62,False,,False,,981103.37,8016.48,6735.82,7455.23,63742.23,False,0,-0.2,-20.0
LI-2024-INS004-001224,2022-10-04,5,48,53,1974,male,never_smoker,21.6,73,164,MD,USA,divorced,graduate,white_collar,274290.74,0.4032,full_paramedical,128,80,245,56,4.38,93,,False,,3.18,False,True,False,False,False,none,,none,none,schizophrenia,9,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-180,2.25,term_life,250000,semi_annual,2564.38,20.0,none,,,,False,none,bank,True,False,False,0.006813,0.031885,SOA_2015_VBT,SOA_Scale_MP2023,2.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008516,0.018,True,0.00331,1.0,False,,,,0.07,0.0964,False,normal_rate,1.59,2.93,False,False,False,False,False,0.782,43.2,38.6,preferred_longevity,76.4,baseline,1.198,0.417,True,36.7,False,,250000.0,20027.56,20298.15,20515.04,4872.32,False,0,3.51,-12.1
LI-2024-INS004-001225,2019-02-07,7,77,84,1942,female,never_smoker,25.2,61,133,KY,USA,single,some_college,white_collar,29027.67,0.3262,full_paramedical,142,84,250,38,6.58,100,,False,80.2,,False,False,False,True,False,none,,none,none,bipolar,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,37,UW-265,2.5,term_life,250000,annual,4245.53,20.0,none,,,,False,none,employer_group,False,False,False,0.065074,0.303064,SOA_2015_VBT,SOA_Scale_MP2023,2.515,cardiovascular,True,2024-01-27,False,False,1261611.58,0.0007,5e-05,1.095,0.097611,0.008,False,,1.0,False,,,,0.05,0.0863,False,normal_rate,3.11,1.42,False,False,False,False,False,0.993,12.2,5.2,sub_standard_longevity,25.2,baseline,1.255,0.266,False,,False,,250000.0,8841.77,8492.62,8830.7,13093.22,False,0,-1.21,-17.44
LI-2024-INS004-001226,2012-02-05,15,30,45,1982,non_binary,never_smoker,32.4,76,265,AL,USA,divorced,less_than_hs,white_collar,170724.38,0.8288,accelerated_UW,123,69,249,57,4.37,93,5.7,False,91.2,,False,False,False,False,False,none,,pre_diabetes,none,bipolar,1,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,True,34,UW-204,2.0,term_life,500000,annual,3572.36,20.0,none,,,,False,none,captive_agent,False,False,False,0.003296,0.009379,SOA_2015_VBT,SOA_Scale_MP2023,2.101,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003296,0.02,False,,1.0,False,,,,0.03,0.0311,False,normal_rate,3.72,2.36,False,False,False,False,False,0.936,64.2,49.2,super_preferred_longevity,98.7,baseline,0.878,0.921,False,,False,,500000.0,31354.72,27217.05,28578.88,6787.48,False,0,0.89,-4.88
LI-2024-INS004-001227,2004-09-17,12,25,37,1979,female,never_smoker,15.8,67,100,MO,USA,single,high_school,light_blue_collar,32131.52,0.4366,limited_exam,131,75,230,72,3.19,107,5.5,False,91.1,,False,False,False,False,True,breast,0.1,none,none,none,4,False,False,False,False,True,declined,,,False,True,True,False,24,UW-456,7.0,term_life,100000,monthly,2058.91,20.0,none,,,,False,none,bank,False,False,False,0.001707,0.023393,SOA_2015_VBT,SOA_Scale_MP2023,6.568,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010244,0.018,False,,1.0,False,,,,0.03,0.0405,False,normal_rate,5.44,1.48,False,False,False,False,False,0.896,70.0,55.0,super_preferred_longevity,100.0,baseline,1.173,0.369,False,,False,,100000.0,16867.2,15975.71,16471.28,3911.93,False,0,-5.0,-20.0
LI-2024-INS004-001228,2015-12-24,11,50,61,1965,female,never_smoker,30.9,70,215,MS,USA,married,bachelors,professional,32542.94,0.8781,limited_exam,123,83,254,51,4.98,101,5.0,False,70.2,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-311,2.25,universal_life,250000,semi_annual,3270.16,,15yr_declining,2999.47,,,False,none,direct_to_consumer,False,False,False,0.010635,0.035263,SOA_2015_VBT,SOA_Scale_MP2023,2.455,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013294,0.015,False,,1.0,False,,,,0.04,0.0251,False,normal_rate,3.07,2.06,False,False,False,False,False,0.79,45.5,34.5,preferred_longevity,77.4,baseline,0.841,0.941,False,,False,,247000.53,25168.28,24567.65,26161.28,6213.3,False,0,6.08,-12.36
LI-2024-INS004-001229,2003-02-18,10,50,60,1953,female,never_smoker,31.3,70,218,KY,USA,married,bachelors,professional,28621.42,0.7246,full_paramedical,141,82,220,41,5.37,95,4.6,False,90.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-413,2.25,whole_life,100000,monthly,1088.99,,none,1037.82,,,False,none,bank,False,False,False,0.008449,0.03071,SOA_2015_VBT,SOA_Scale_MP2023,2.493,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010561,0.012,False,,1.0,False,,,,0.02,0.0224,False,normal_rate,4.27,2.98,False,False,False,False,False,0.856,42.8,32.8,preferred_longevity,72.6,baseline,0.957,0.66,False,,False,,98962.18,8613.59,8057.17,8711.92,2069.08,False,0,2.81,-9.55
LI-2024-INS004-001230,2023-12-08,3,43,46,1980,male,never_smoker,28.3,75,226,NJ,USA,single,high_school,professional,22932.34,0.6198,accelerated_UW,127,71,251,42,5.98,100,4.9,False,62.8,0.76,True,False,False,False,True,melanoma,1.3,none,none,none,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,52,UW-338,2.25,whole_life,5000000,annual,45465.79,,none,29634.73,,,True,excess_of_loss,captive_agent,False,False,False,0.003943,0.015105,SOA_2015_VBT,SOA_Scale_MP2023,2.493,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004929,0.02,False,,1.0,False,,,,0.04,0.1794,False,normal_rate,2.96,0.93,False,False,False,True,False,0.951,50.1,53.5,super_preferred_longevity,100.0,baseline,1.035,0.654,True,73.0,False,,4970365.27,399207.33,354601.82,363726.32,86385.0,False,0,-3.02,-11.73
LI-2024-INS004-001231,2010-06-06,6,72,78,1938,female,never_smoker,35.0,65,210,ID,USA,married,bachelors,light_blue_collar,71606.69,0.7525,simplified_issue,166,96,263,30,8.77,132,5.2,False,58.3,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-337,2.0,universal_life,1000000,annual,12737.59,,15yr_declining,9645.7,,,True,quota_share,independent_broker,False,False,False,0.040711,0.118643,SOA_2015_VBT,SOA_Scale_MP2023,2.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.040711,0.005,False,,1.0,True,2025-11-16,voluntary_surrender,6.0,0.06,0.0296,False,normal_rate,3.14,2.92,False,False,False,False,False,0.848,18.1,11.4,standard_longevity,40.9,baseline,0.936,0.795,True,12.7,False,,990354.3,56621.93,59017.35,58083.41,32964.88,False,0,0.74,-9.7
LI-2024-INS004-001232,2013-03-03,6,74,80,1939,female,never_smoker,26.6,71,190,OK,USA,married,high_school,white_collar,20000.0,0.3773,full_paramedical,142,85,224,33,6.79,90,,False,68.7,,False,True,False,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,37,UW-465,2.5,annuity_deferred,500000,annual,9521.46,,none,7234.18,,,False,none,bank,False,False,False,0.048678,0.226042,SOA_2015_VBT,SOA_Scale_MP2023,2.583,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.073018,0.005,False,,1.0,False,,,,0.02,0.028,False,normal_rate,5.62,1.18,False,True,False,False,False,0.986,14.8,8.8,sub_standard_longevity,31.4,baseline,1.217,0.408,False,,False,,492765.82,35275.47,34290.6,33515.54,26622.0,False,0,-0.58,-20.0
LI-2024-INS004-001233,2017-03-26,8,51,59,1966,male,never_smoker,25.3,62,138,PA,USA,married,bachelors,white_collar,185949.85,0.48,limited_exam,122,78,213,43,4.95,87,5.5,False,66.7,2.18,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,True,False,True,standard,,,False,True,False,False,58,UW-055,1.0,term_life,1000000,monthly,4721.49,20.0,none,,,,True,none,captive_agent,True,False,False,0.011215,0.013194,SOA_2015_VBT,SOA_Scale_MP2023,1.032,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,True,2026-01-19,non_payment,8.0,0.05,0.0658,False,normal_rate,4.22,2.81,False,False,False,False,False,0.905,39.0,31.0,preferred_longevity,66.2,baseline,1.14,0.477,False,,False,,1000000.0,34558.02,35381.79,37771.92,8970.83,False,0,2.94,17.19
LI-2024-INS004-001234,2020-11-27,1,69,70,1951,male,never_smoker,25.6,66,158,WY,USA,single,bachelors,professional,180475.37,0.2067,simplified_issue,138,87,215,52,4.13,84,5.3,False,,13.18,False,False,True,False,True,melanoma,9.6,none,none,anxiety,1,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,24,UW-368,1.5,indexed_ul,1000000,semi_annual,8290.21,,10yr_declining,5531.14,,,True,none,direct_to_consumer,False,False,False,0.024471,0.07128,SOA_2015_VBT,SOA_Scale_MP2023,1.502,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012235,0.012,True,0.00961,1.0,True,2025-08-25,non_payment,1.0,0.11,0.1489,False,normal_rate,3.15,2.98,False,False,False,False,False,0.777,20.4,20.8,standard_longevity,56.8,baseline,1.345,0.139,True,55.2,False,,994468.86,61631.92,60230.35,66321.68,15751.4,False,0,1.34,6.43
LI-2024-INS004-001235,2021-06-06,3,27,30,1994,female,never_smoker,32.3,61,171,CO,USA,married,bachelors,heavy_blue_collar,57893.77,0.5945,non_med_guaranteed,105,76,163,45,3.62,91,4.8,False,85.5,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,standard_plus,1.0,,False,False,False,False,27,UW-208,1.0,whole_life,1000000,monthly,2476.13,,none,1599.47,,,True,facultative,bank,False,False,False,0.001168,0.007987,SOA_2015_VBT,SOA_Scale_MP2023,0.927,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00685,1.0,False,,,,0.04,0.049,False,normal_rate,4.95,2.08,False,False,False,False,False,0.814,70.0,55.0,super_preferred_longevity,100.0,baseline,1.054,0.545,False,,False,,998400.53,20396.44,20705.98,19809.04,4704.65,False,0,3.9,15.61
LI-2024-INS004-001236,2006-01-15,18,59,77,1947,male,never_smoker,19.5,76,160,RI,USA,married,high_school,professional,20000.0,0.4904,full_paramedical,126,69,175,61,2.87,69,4.7,False,73.0,3.15,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,22,UW-035,0.55,term_life,100000,monthly,360.5,30.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.046215,0.03197,SOA_2015_VBT,SOA_Scale_MP2023,0.611,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0392,False,normal_rate,3.34,1.77,False,False,False,False,False,0.998,27.7,9.7,sub_standard_longevity,34.4,baseline,1.132,0.499,False,,False,,100000.0,1498.67,1253.36,1398.74,982.0,False,0,3.31,22.17
LI-2024-INS004-001237,2021-03-12,4,43,47,1978,male,unknown,16.5,62,90,MI,USA,single,graduate,white_collar,40370.82,0.4857,full_paramedical,119,71,125,69,1.81,67,,False,80.7,2.85,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,26,UW-267,0.9,universal_life,2000000,semi_annual,7395.03,,10yr_declining,5041.08,,,True,quota_share,independent_broker,False,False,False,0.004888,0.007298,SOA_2015_VBT,SOA_Scale_MP2023,0.951,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00202,1.0,False,,,,0.08,0.0472,False,normal_rate,4.22,2.91,False,False,False,False,False,0.768,52.1,48.1,super_preferred_longevity,100.0,baseline,1.136,0.412,False,,False,,1994958.92,57444.76,56631.64,59160.24,14050.56,False,0,4.23,21.41
LI-2024-INS004-001238,2001-12-16,5,30,35,1971,male,former_smoker,40.5,62,221,RI,USA,married,high_school,white_collar,76926.14,0.6102,limited_exam,117,68,229,34,6.74,125,4.6,False,,,False,False,False,True,False,none,,none,none,bipolar,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,46,UW-342,2.5,term_life,250000,quarterly,1923.77,15.0,none,,,,False,none,employer_group,False,False,False,0.002465,0.010322,SOA_2015_VBT,SOA_Scale_MP2023,2.578,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003698,0.018,False,,1.0,False,,,,0.07,0.1018,False,normal_rate,3.98,2.53,False,False,False,False,False,0.939,61.5,55.0,super_preferred_longevity,100.0,baseline,1.042,0.782,False,,False,,250000.0,16831.9,13526.26,15390.16,3655.16,False,0,-1.18,-20.0
LI-2024-INS004-001239,2023-01-15,1,42,43,1981,male,unknown,21.9,71,156,OH,USA,married,bachelors,heavy_blue_collar,45688.85,0.8982,full_paramedical,127,75,190,64,2.97,109,5.9,False,105.1,1.02,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,0.53,,False,True,False,False,18,UW-402,1.0,term_life,500000,monthly,2039.68,20.0,none,,,,False,none,captive_agent,False,False,False,0.003647,0.003261,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.1,0.0981,False,normal_rate,3.74,2.63,False,False,False,False,False,0.881,52.3,51.3,super_preferred_longevity,100.0,baseline,0.826,1.0,False,,False,,500000.0,15940.31,16796.92,16317.44,3875.39,False,0,0.64,23.61
LI-2024-INS004-001240,2024-12-06,1,48,49,1976,male,never_smoker,24.1,61,127,KY,USA,single,some_college,light_blue_collar,52296.88,0.5468,simplified_issue,107,66,209,43,4.86,121,5.2,False,75.7,0.73,False,False,False,True,False,none,,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,41,UW-097,2.5,universal_life,2000000,annual,19388.37,,10yr_declining,11933.55,,,True,excess_of_loss,independent_broker,False,False,False,0.004956,0.021781,SOA_2015_VBT,SOA_Scale_MP2023,2.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007434,0.018,False,,1.0,False,,,,0.12,0.0682,False,normal_rate,1.93,1.54,False,False,False,False,False,0.975,44.0,43.0,super_preferred_longevity,85.2,baseline,1.09,0.735,False,,False,,1988066.45,168866.9,140874.05,155106.96,36837.9,False,0,1.82,-18.24
LI-2024-INS004-001241,2012-04-03,12,45,57,1967,female,current_smoker,19.8,64,115,ME,USA,divorced,some_college,light_blue_collar,35817.26,0.6984,limited_exam,129,77,180,49,3.67,78,,True,,,False,True,False,False,True,other,15.3,none,moderate_gold_2,depression,3,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,30,UW-393,2.5,term_life,500000,quarterly,5355.32,10.0,none,,,,False,none,captive_agent,False,False,False,0.015163,0.062548,SOA_2015_VBT,SOA_Scale_MP2023,2.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022745,0.015,False,,1.0,False,,,,0.03,0.0342,False,normal_rate,4.02,0.85,False,False,False,False,False,0.861,50.0,38.2,super_preferred_longevity,80.3,baseline,0.976,0.719,False,,True,0.132,500000.0,45028.09,44474.64,42842.56,10175.11,False,0,-0.94,-7.77
LI-2024-INS004-001242,2014-03-05,10,42,52,1972,male,unknown,27.3,72,201,IA,USA,married,some_college,heavy_blue_collar,20000.0,0.691,non_med_guaranteed,114,71,230,43,5.35,64,5.2,False,89.6,3.27,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,1.19,1.0,False,False,False,False,16,UW-460,1.25,whole_life,1000000,annual,4942.91,,none,4537.81,,,True,excess_of_loss,independent_broker,False,False,False,0.007227,0.0113,SOA_2015_VBT,SOA_Scale_MP2023,1.338,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001807,0.018,False,,1.0,False,,,,0.02,0.0229,False,normal_rate,2.27,2.16,False,False,False,False,False,1.0,50.0,40.0,super_preferred_longevity,82.9,baseline,0.982,0.574,False,,False,,995462.19,39342.14,40587.43,39543.28,9391.53,False,0,2.28,10.53
LI-2024-INS004-001243,2024-07-09,3,52,55,1972,female,former_smoker,31.7,65,190,IA,USA,single,some_college,professional,68926.62,0.6439,full_paramedical,121,68,184,29,6.34,89,,False,90.8,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-059,1.5,universal_life,250000,monthly,1855.01,,10yr_declining,1196.17,,,False,none,captive_agent,False,False,False,0.008346,0.018859,SOA_2015_VBT,SOA_Scale_MP2023,1.73,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004173,0.018,False,,1.0,False,,,,0.08,0.0427,False,normal_rate,2.79,1.21,False,False,False,False,False,0.978,43.8,40.8,super_preferred_longevity,83.4,baseline,1.017,0.737,True,33.1,False,,248803.83,13459.73,15489.72,14840.08,3524.52,False,0,1.71,-0.68
LI-2024-INS004-001244,2022-02-19,5,40,45,1982,female,former_smoker,25.5,59,126,IL,USA,married,bachelors,white_collar,32167.45,0.7141,full_paramedical,149,89,178,63,2.83,65,5.8,False,77.9,,True,True,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,43,UW-198,1.5,universal_life,250000,annual,1241.57,,15yr_declining,899.84,,,False,none,worksite,True,False,False,0.003809,0.011793,SOA_2015_VBT,SOA_Scale_MP2023,1.616,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001904,0.02,True,0.00395,1.0,False,,,,0.08,0.0406,False,normal_rate,4.64,1.32,False,False,False,False,True,0.951,57.8,55.8,super_preferred_longevity,100.0,baseline,0.964,0.762,True,51.4,False,,249100.16,10181.02,8919.7,9932.56,2358.98,False,0,2.31,7.52
LI-2024-INS004-001245,2017-08-07,1,19,20,1998,female,never_smoker,22.8,61,120,NC,USA,married,bachelors,light_blue_collar,255176.94,0.2821,full_paramedical,122,74,202,72,2.81,92,4.8,False,95.4,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-246,2.0,term_life,1000000,annual,3141.58,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.000805,0.002976,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000805,0.022,False,,1.0,False,,,,0.1,0.2064,False,normal_rate,3.27,2.84,False,False,False,False,False,0.956,70.0,55.0,super_preferred_longevity,99.2,baseline,1.288,0.144,False,,False,,1000000.0,23402.43,25974.02,25132.64,5969.0,False,0,0.74,-8.4
LI-2024-INS004-001246,2010-05-28,9,57,66,1953,female,never_smoker,23.2,63,131,CA,USA,married,graduate,hazardous,20000.0,0.5211,full_paramedical,125,68,210,44,4.77,105,5.6,False,73.9,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,4.75,5.0,True,False,False,False,6,UW-344,2.25,universal_life,250000,annual,2797.45,,15yr_declining,2312.44,,,False,none,captive_agent,False,False,False,0.014157,0.05345,SOA_2015_VBT,SOA_Scale_MP2023,2.277,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017696,0.012,False,,1.0,False,,,,0.06,0.0346,False,normal_rate,5.39,2.35,False,False,False,False,False,0.879,35.0,26.0,standard_longevity,59.3,baseline,1.109,0.733,False,,False,,247687.56,23783.27,19365.5,22379.6,5315.15,False,0,-0.35,-15.1
LI-2024-INS004-001247,2000-10-18,22,31,53,1969,female,never_smoker,28.9,67,184,IA,USA,single,bachelors,white_collar,41158.43,0.7488,full_paramedical,125,68,278,47,5.91,102,4.9,False,,,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,49,UW-061,2.25,whole_life,250000,semi_annual,2292.41,,none,3302.8,,,False,none,worksite,False,False,False,0.005451,0.01917,SOA_2015_VBT,SOA_Scale_MP2023,2.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.015,False,,1.0,False,,,,0.015,0.0165,False,normal_rate,2.49,1.9,False,False,False,False,False,0.859,64.5,42.5,super_preferred_longevity,87.5,baseline,0.938,0.822,False,,False,,246697.2,18922.44,18596.73,18339.28,4355.58,False,0,1.58,-15.74
LI-2024-INS004-001248,2001-08-14,16,53,69,1948,female,never_smoker,28.3,62,154,LA,USA,single,high_school,white_collar,27916.01,0.4335,full_paramedical,132,80,218,64,3.41,106,,False,73.9,,False,False,False,False,False,none,,none,none,depression,1,False,True,True,False,True,substandard_table_1,,1.0,False,False,False,False,39,UW-408,1.25,indexed_ul,250000,semi_annual,2016.49,,10yr_declining,2337.42,,,False,none,bank,False,False,False,0.018533,0.034485,SOA_2015_VBT,SOA_Scale_MP2023,1.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004633,0.008,False,,1.0,False,,,,0.04,0.0541,False,normal_rate,2.87,0.98,False,False,False,False,False,0.854,37.6,21.6,standard_longevity,51.4,baseline,1.175,0.356,False,,False,,247662.58,15670.82,15355.96,16131.92,3831.33,False,0,-0.22,11.19
LI-2024-INS004-001249,2016-12-04,1,35,36,1981,female,former_smoker,28.8,66,178,MI,USA,widowed,some_college,heavy_blue_collar,20000.0,0.6457,limited_exam,123,70,142,52,2.73,84,5.6,False,92.2,,False,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,1.48,,False,False,False,False,19,UW-342,0.93,term_life,500000,monthly,1448.99,20.0,none,,,,False,none,independent_broker,False,False,False,0.00209,0.001994,SOA_2015_VBT,SOA_Scale_MP2023,0.939,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.1,0.1183,False,normal_rate,2.66,2.85,False,False,False,False,False,0.844,65.3,55.0,super_preferred_longevity,100.0,baseline,1.016,0.644,False,,False,,500000.0,12554.15,10821.74,11591.92,2753.08,False,0,-0.93,28.67
LI-2024-INS004-001250,2011-09-11,12,72,84,1939,male,former_smoker,25.9,71,185,TX,USA,married,high_school,professional,42326.23,0.5402,full_paramedical,152,97,236,38,6.21,97,,False,70.8,4.0,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-268,1.5,annuity_deferred,500000,quarterly,4858.97,,none,4717.39,,,True,none,worksite,False,False,False,0.111659,0.248862,SOA_2015_VBT,SOA_Scale_MP2023,1.579,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055829,0.005,False,,1.0,False,,,,0.01,0.0127,False,normal_rate,3.41,1.56,False,False,False,False,False,0.988,16.4,4.4,standard_longevity,37.2,baseline,1.095,0.834,False,,False,,495282.61,8166.91,8017.45,8551.79,15296.04,False,0,2.68,4.2
LI-2024-INS004-001251,2006-04-10,1,77,78,1929,female,current_smoker,31.0,58,148,MI,USA,married,high_school,white_collar,24797.05,0.6582,full_paramedical,130,82,271,40,6.78,94,6.1,True,76.7,,False,False,False,False,False,none,,none,severe_gold_3,depression,1,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,16,UW-357,3.25,term_life,500000,semi_annual,9839.01,20.0,none,,,,False,none,captive_agent,False,False,False,0.060362,0.367316,SOA_2015_VBT,SOA_Scale_MP2023,3.811,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.135815,0.012,False,,1.0,False,,,,0.1,0.1173,False,normal_rate,2.89,2.61,False,False,False,False,False,0.926,11.9,12.0,standard_longevity,40.4,baseline,1.006,0.776,True,63.2,False,,500000.0,51193.4,40577.51,47227.25,24991.09,False,0,-1.23,-20.0
LI-2024-INS004-001252,2016-12-21,6,76,82,1940,male,never_smoker,29.7,69,200,AZ,USA,married,high_school,white_collar,48202.2,0.4494,full_paramedical,167,100,253,43,5.88,84,,False,83.7,7.03,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-132,2.0,term_life,2000000,annual,29037.18,25.0,none,,,,True,none,employer_group,False,False,False,0.067411,0.238234,SOA_2015_VBT,SOA_Scale_MP2023,2.179,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.067411,0.008,False,,1.0,False,,,,0.05,0.0804,False,normal_rate,5.04,0.77,False,False,False,False,False,0.818,9.4,3.4,sub_standard_longevity,24.3,baseline,1.163,0.472,False,,False,,2000000.0,39229.02,39084.76,39490.56,93732.02,False,0,2.06,-9.29
LI-2024-INS004-001253,2019-05-14,6,32,38,1987,male,never_smoker,29.3,76,240,OH,USA,married,some_college,white_collar,28911.04,0.5148,non_med_guaranteed,118,77,181,44,4.11,99,,False,107.5,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-420,1.25,universal_life,100000,annual,350.45,,10yr_declining,273.37,,,False,none,independent_broker,False,False,False,0.00227,0.004283,SOA_2015_VBT,SOA_Scale_MP2023,1.469,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.02,False,,1.0,False,,,,0.06,0.0348,False,normal_rate,3.73,1.05,False,False,False,False,False,0.776,61.7,55.0,super_preferred_longevity,100.0,baseline,1.114,0.491,False,,False,,99726.63,3050.12,2535.07,2803.6,665.86,False,0,2.42,13.32
LI-2024-INS004-001254,2022-06-18,4,52,56,1970,male,never_smoker,34.0,66,210,MS,USA,married,graduate,professional,67519.6,0.8179,simplified_issue,150,94,197,51,3.86,105,5.4,False,,0.78,True,True,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-303,1.5,universal_life,500000,monthly,3486.78,,10yr_declining,2627.29,,,False,none,worksite,False,False,False,0.008719,0.018285,SOA_2015_VBT,SOA_Scale_MP2023,1.649,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004359,0.018,True,0.00118,1.0,False,,,,0.08,0.0376,False,normal_rate,3.62,1.92,False,False,False,False,False,0.945,43.2,39.2,super_preferred_longevity,93.6,baseline,0.887,0.807,False,,False,,497372.71,28665.65,23888.88,27894.24,6624.88,False,0,5.29,5.42
LI-2024-INS004-001255,2015-10-17,1,56,57,1959,female,never_smoker,33.2,69,225,OH,USA,divorced,bachelors,light_blue_collar,77469.36,0.3744,full_paramedical,135,91,216,46,4.7,123,6.1,False,100.2,,True,False,False,False,False,none,,none,none,anxiety,10,True,False,False,False,False,substandard_table_1,2.25,1.0,True,False,False,False,24,UW-077,1.25,universal_life,1000000,semi_annual,5575.88,,10yr_declining,3609.88,,,True,quota_share,captive_agent,False,False,False,0.007052,0.013232,SOA_2015_VBT,SOA_Scale_MP2023,1.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001763,0.012,False,,1.0,False,,,,0.12,0.0756,False,normal_rate,4.55,2.79,False,False,False,False,False,0.915,36.3,35.3,preferred_longevity,71.1,baseline,1.219,0.308,False,,False,,996390.12,44806.67,42560.66,44607.04,10594.17,False,0,2.87,13.44
LI-2024-INS004-001256,2016-09-27,1,71,72,1945,female,former_smoker,28.3,67,180,NM,USA,married,less_than_hs,white_collar,122122.07,0.5894,non_med_guaranteed,141,82,170,42,4.05,98,,False,82.3,,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-063,1.25,term_life,1000000,semi_annual,6864.73,30.0,none,,,,True,none,captive_agent,False,False,False,0.030563,0.052197,SOA_2015_VBT,SOA_Scale_MP2023,1.378,accident,True,2017-07-17,True,False,434942.46,0.0007,5e-05,1.095,0.007641,0.008,False,,1.0,False,,,,0.1,0.1228,False,normal_rate,2.61,2.07,False,False,False,False,False,0.964,19.7,20.0,standard_longevity,51.3,baseline,1.058,0.623,True,55.0,False,,1000000.0,54750.63,47623.36,54917.84,13042.99,False,0,3.04,10.28
LI-2024-INS004-001257,2018-11-18,1,58,59,1960,male,never_smoker,15.0,65,90,NY,USA,married,high_school,professional,117807.78,0.9151,limited_exam,138,85,157,58,2.71,62,4.9,False,76.9,1.65,True,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,declined,,,False,False,True,False,29,UW-119,7.0,whole_life,2000000,annual,65946.86,,none,40443.21,,,True,facultative,bank,False,True,False,0.010398,0.115669,SOA_2015_VBT,SOA_Scale_MP2023,6.297,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.06239,0.015,False,,1.0,False,,,,0.06,0.0581,False,normal_rate,3.7,2.71,False,False,False,False,False,0.75,32.9,31.9,preferred_longevity,74.1,baseline,0.814,0.845,False,,False,,1959556.79,541086.98,537440.78,527574.88,125299.03,False,0,-5.0,-20.0
LI-2024-INS004-001258,2011-06-22,16,69,85,1942,male,never_smoker,20.3,66,126,AL,USA,divorced,graduate,white_collar,69143.84,0.5824,full_paramedical,144,83,255,44,5.8,92,,False,,2.91,False,True,False,False,True,prostate,8.2,none,none,none,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,41,UW-370,1.25,annuity_deferred,1000000,quarterly,8204.08,,none,9428.58,,,True,quota_share,employer_group,False,False,False,0.088594,0.144129,SOA_2015_VBT,SOA_Scale_MP2023,1.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022149,0.008,False,,1.0,False,,,,0.01,0.0148,False,normal_rate,2.82,0.59,False,False,False,False,False,0.763,17.3,1.3,sub_standard_longevity,23.2,baseline,1.063,0.764,False,,False,,990571.42,3911.88,4349.86,4266.12,27861.06,False,0,0.22,11.89
LI-2024-INS004-001259,2024-02-20,3,70,73,1954,male,current_smoker,20.3,62,111,SC,USA,married,bachelors,professional,111023.31,0.765,non_med_guaranteed,125,83,172,51,3.37,92,4.4,True,84.9,20.0,False,False,False,False,False,none,,none,mild_gold_1,none,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-440,2.0,whole_life,2000000,monthly,26547.49,,none,18121.59,,,True,excess_of_loss,employer_group,False,False,False,0.065954,0.198946,SOA_2015_VBT,SOA_Scale_MP2023,2.177,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065954,0.012,False,,1.0,False,,,,0.04,0.0522,False,normal_rate,3.64,2.8,False,False,False,False,False,0.986,19.1,16.1,standard_longevity,48.1,baseline,0.926,0.63,False,,False,,1981878.41,156548.45,155318.2,170965.84,58723.05,False,0,-2.09,1.59
LI-2024-INS004-001260,2000-05-22,27,80,107,1920,female,never_smoker,30.9,58,147,TX,USA,married,graduate,white_collar,93352.45,0.6619,full_paramedical,154,94,223,58,3.84,90,4.9,False,,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-381,2.25,annuity_immediate,500000,monthly,9680.38,,none,,,,False,none,employer_group,False,False,False,0.261116,0.962126,SOA_2015_VBT,SOA_Scale_MP2023,2.426,infectious,True,2003-08-11,False,False,1432708.75,0.0007,5e-05,1.095,0.326395,0.012,False,,1.0,False,,,,0.002,0.005,False,normal_rate,1.18,2.51,False,False,False,False,False,0.801,7.6,1.0,sub_standard_longevity,23.9,baseline,1.004,0.63,True,43.5,False,,500000.0,3833.85,3540.06,3872.15,33106.9,False,0,-0.0,-9.18
LI-2024-INS004-001261,2020-12-06,7,37,44,1983,female,never_smoker,20.7,58,98,IL,USA,single,bachelors,white_collar,93973.0,0.5949,limited_exam,119,88,156,50,3.12,102,5.3,False,97.1,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-073,1.25,whole_life,100000,monthly,510.05,,none,409.76,,,False,none,direct_to_consumer,False,True,False,0.002724,0.00823,SOA_2015_VBT,SOA_Scale_MP2023,1.261,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000681,0.02,True,0.00393,1.0,False,,,,0.02,0.0343,False,normal_rate,4.73,1.85,False,False,False,False,False,0.902,63.4,55.0,super_preferred_longevity,100.0,baseline,1.054,0.731,True,81.8,True,1.162,99590.24,3943.57,3994.62,4080.4,969.09,False,0,2.22,10.51
LI-2024-INS004-001262,2005-12-15,3,53,56,1952,male,never_smoker,15.0,61,90,WV,USA,married,bachelors,white_collar,25536.54,0.8383,full_paramedical,134,70,203,63,3.22,65,5.6,False,,4.85,False,False,False,False,False,none,,none,none,none,2,False,True,False,False,False,declined,,,False,False,True,False,16,UW-308,7.0,whole_life,500000,annual,15039.72,,none,9520.66,,,False,none,captive_agent,True,False,False,0.007452,0.091943,SOA_2015_VBT,SOA_Scale_MP2023,7.274,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044713,0.012,False,,1.0,False,,,,0.04,0.0412,False,normal_rate,4.4,2.96,False,False,False,False,False,0.841,36.1,33.1,preferred_longevity,74.7,baseline,0.871,0.817,False,,False,,490479.34,116863.63,117095.81,120317.76,28575.47,False,0,-5.0,-20.0
LI-2024-INS004-001263,2018-08-24,4,34,38,1984,female,former_smoker,35.7,58,170,ME,USA,married,graduate,professional,23029.44,0.6943,limited_exam,121,82,214,31,6.9,98,5.3,False,101.8,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,30,UW-456,1.5,universal_life,2000000,quarterly,10749.96,,10yr_declining,7202.9,,,True,quota_share,bank,False,False,False,0.002361,0.004691,SOA_2015_VBT,SOA_Scale_MP2023,1.518,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001181,0.02,False,,1.0,False,,,,0.08,0.0412,False,normal_rate,2.77,2.68,False,False,False,False,False,0.805,64.0,55.0,super_preferred_longevity,100.0,baseline,0.979,0.578,False,,False,,1992797.1,91603.04,80157.45,85999.68,20424.92,False,0,3.53,9.21
LI-2024-INS004-001264,2008-10-28,11,38,49,1970,male,unknown,32.8,69,221,OH,USA,married,some_college,hazardous,118401.27,0.4808,full_paramedical,116,64,177,30,5.9,91,5.6,False,,0.56,False,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,substandard_table_1,4.77,1.0,True,False,False,False,41,UW-126,1.25,annuity_immediate,2000000,monthly,10096.15,,none,,,,True,quota_share,independent_broker,False,False,False,0.005699,0.010503,SOA_2015_VBT,SOA_Scale_MP2023,1.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001425,0.018,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.05,0.5,False,False,False,False,False,0.76,52.9,41.9,super_preferred_longevity,82.6,baseline,1.139,0.435,False,,False,,2000000.0,77857.4,82431.69,80769.2,19182.69,False,0,1.21,10.64
LI-2024-INS004-001265,2011-07-27,1,36,37,1975,male,former_smoker,21.1,71,151,WI,USA,married,some_college,heavy_blue_collar,200384.93,0.4252,non_med_guaranteed,136,88,238,75,3.17,90,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,1.25,,False,True,False,False,11,UW-359,1.0,term_life,500000,monthly,1725.86,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.002774,0.003562,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,True,2025-11-23,voluntary_surrender,1.0,0.1,0.1904,False,normal_rate,0.3,1.77,False,False,True,False,False,0.904,55.4,54.4,super_preferred_longevity,100.0,baseline,1.181,0.49,False,,False,,500000.0,14002.37,13390.39,13806.88,3279.13,False,0,4.38,18.9
LI-2024-INS004-001266,2005-05-19,14,59,73,1946,female,never_smoker,30.9,62,168,RI,USA,divorced,some_college,professional,94465.61,0.3164,full_paramedical,134,93,200,30,6.67,108,,False,59.6,,True,False,False,False,False,none,,none,none,depression,4,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-486,1.5,whole_life,500000,monthly,4445.39,,none,4840.23,,,False,none,independent_broker,False,True,False,0.025864,0.062344,SOA_2015_VBT,SOA_Scale_MP2023,1.513,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012932,0.008,False,,1.0,False,,,,0.015,0.0217,False,normal_rate,4.19,1.57,False,False,False,False,False,0.978,30.8,16.8,standard_longevity,42.4,baseline,1.263,0.317,False,,False,,495159.77,31193.31,28619.2,29873.02,9584.26,False,0,-0.74,3.73
LI-2024-INS004-001267,2001-11-22,4,43,47,1958,female,never_smoker,23.5,62,128,NY,USA,married,graduate,white_collar,349461.91,0.5579,full_paramedical,132,79,198,63,3.14,85,4.9,False,59.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,15,UW-383,0.56,annuity_deferred,5000000,annual,10797.86,,none,7554.92,,,True,excess_of_loss,employer_group,False,False,False,0.003125,0.001974,SOA_2015_VBT,SOA_Scale_MP2023,0.584,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0602,False,normal_rate,3.25,2.47,False,False,False,False,False,0.853,49.9,45.9,super_preferred_longevity,89.7,baseline,1.082,0.547,False,,False,,4992445.08,82216.52,85489.83,86382.88,20515.93,False,0,8.66,25.55
LI-2024-INS004-001268,2022-12-16,1,58,59,1964,male,never_smoker,32.9,65,197,DE,USA,divorced,bachelors,professional,351241.16,0.5743,full_paramedical,141,86,276,33,8.36,91,6.3,False,88.5,0.59,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-410,2.0,whole_life,100000,monthly,1013.37,,none,650.56,,,False,none,bank,False,True,False,0.011046,0.039023,SOA_2015_VBT,SOA_Scale_MP2023,2.106,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011046,0.015,True,0.0031,1.0,True,2026-01-14,unknown,1.0,0.06,0.0744,False,normal_rate,2.77,2.37,False,False,False,False,False,0.917,35.1,38.2,super_preferred_longevity,88.4,baseline,1.069,0.738,True,68.8,False,,99349.44,7699.09,8482.73,8106.96,1925.4,False,0,0.02,4.24
LI-2024-INS004-001269,2017-06-03,9,56,65,1961,male,current_smoker,17.5,61,92,MT,USA,married,some_college,white_collar,93653.51,0.6793,full_paramedical,117,73,190,65,2.92,97,5.6,True,83.6,4.25,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,21,UW-029,1.5,indexed_ul,1000000,semi_annual,7248.55,,15yr_declining,6418.96,,,True,none,independent_broker,False,False,False,0.035312,0.075858,SOA_2015_VBT,SOA_Scale_MP2023,1.664,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017656,0.015,False,,1.0,False,,,,0.06,0.0312,False,normal_rate,5.95,2.84,False,False,False,False,False,0.755,34.1,25.1,preferred_longevity,60.3,baseline,0.991,0.784,False,,False,,993581.04,55561.53,55262.18,57988.4,13772.24,False,0,5.09,9.54
LI-2024-INS004-001270,2017-01-11,8,72,80,1945,female,unknown,37.2,68,244,VA,USA,married,some_college,white_collar,201658.6,0.4495,full_paramedical,143,88,252,28,9.0,114,4.9,False,55.8,,True,False,False,True,False,none,,none,none,anxiety,6,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,48,UW-352,2.5,term_life,1000000,monthly,17993.05,20.0,none,,,,True,none,independent_broker,False,False,False,0.054308,0.243768,SOA_2015_VBT,SOA_Scale_MP2023,2.57,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.081463,0.008,False,,1.0,False,,,,0.05,0.067,False,normal_rate,4.45,1.98,False,False,False,False,False,0.91,18.2,10.2,sub_standard_longevity,34.5,baseline,1.163,0.395,True,33.8,False,,1000000.0,71246.95,72377.5,73411.64,48293.35,False,0,1.06,-12.09
LI-2024-INS004-001271,2005-05-12,21,64,85,1941,male,never_smoker,39.2,66,242,DE,USA,single,graduate,professional,54384.87,0.5903,limited_exam,149,87,208,46,4.52,125,6.2,False,62.3,6.61,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-021,1.5,universal_life,1000000,annual,9363.47,,10yr_declining,13235.57,,,True,none,independent_broker,False,False,False,0.087885,0.198095,SOA_2015_VBT,SOA_Scale_MP2023,1.659,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.043943,0.008,False,,1.0,False,,,,0.04,0.0491,False,normal_rate,2.14,0.96,False,False,False,False,False,0.793,22.2,1.2,sub_standard_longevity,23.2,baseline,1.057,0.679,True,39.3,False,,986764.43,4446.68,4516.41,4494.47,31873.25,False,0,3.79,9.81
LI-2024-INS004-001272,2010-08-10,5,57,62,1953,female,never_smoker,25.9,66,160,MO,USA,married,some_college,white_collar,25325.08,0.8755,limited_exam,138,88,274,61,4.49,124,5.0,False,,,False,False,False,False,True,other,3.8,none,none,bipolar,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,29,UW-016,2.5,term_life,2000000,quarterly,22622.67,20.0,none,,,,True,quota_share,bank,False,False,False,0.010023,0.037403,SOA_2015_VBT,SOA_Scale_MP2023,2.646,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015035,0.012,False,,1.0,False,,,,0.07,0.07,False,normal_rate,2.43,1.19,False,False,False,False,False,0.841,36.4,31.4,preferred_longevity,72.7,baseline,0.843,1.0,False,,False,,2000000.0,187239.53,187866.94,180981.36,42983.07,False,0,-1.74,-18.92
LI-2024-INS004-001273,2020-11-27,2,45,47,1975,male,never_smoker,30.8,62,168,VT,USA,married,bachelors,professional,21133.22,0.8907,full_paramedical,131,73,205,61,3.36,93,4.7,False,,0.84,False,False,True,True,False,none,,none,none,substance_use_disorder,2,False,True,False,False,True,standard,,,False,True,False,False,44,UW-497,1.0,term_life,500000,monthly,2036.15,20.0,none,,,,False,none,captive_agent,False,False,False,0.004251,0.006694,SOA_2015_VBT,SOA_Scale_MP2023,1.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00308,1.0,False,,,,0.07,0.0691,False,normal_rate,3.28,0.75,False,False,False,False,False,0.766,51.3,49.3,super_preferred_longevity,100.0,baseline,0.832,1.0,False,,False,,500000.0,16565.21,14083.51,16289.2,3868.69,False,0,4.97,21.99
LI-2024-INS004-001274,2009-04-21,16,42,58,1967,female,never_smoker,34.5,61,182,WV,USA,married,high_school,professional,53886.02,0.7693,full_paramedical,132,86,157,40,3.92,115,5.0,False,72.4,,False,False,False,False,False,none,,none,none,anxiety,9,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,56,UW-260,1.5,universal_life,100000,annual,734.6,,10yr_declining,844.94,,,False,none,independent_broker,False,False,False,0.008245,0.017152,SOA_2015_VBT,SOA_Scale_MP2023,1.712,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004123,0.015,False,,1.0,False,,,,0.04,0.0434,False,normal_rate,2.94,2.08,False,False,False,False,False,0.886,53.3,37.3,preferred_longevity,80.0,baseline,0.923,0.676,False,,False,,99155.06,5972.48,5269.62,5876.8,1395.74,False,0,2.26,12.43
LI-2024-INS004-001275,2011-05-22,15,68,83,1943,female,never_smoker,27.4,69,185,NC,USA,married,high_school,professional,103147.13,0.3682,limited_exam,142,89,256,52,4.92,134,5.3,False,63.3,,False,False,False,False,True,melanoma,0.4,none,none,bipolar,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,50,UW-402,2.25,term_life,100000,quarterly,1457.6,25.0,none,,,,False,none,worksite,False,False,False,0.060209,0.249381,SOA_2015_VBT,SOA_Scale_MP2023,2.363,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.075261,0.008,False,,1.0,False,,,,0.03,0.0422,False,normal_rate,5.31,2.64,False,False,False,False,False,0.941,21.6,6.6,sub_standard_longevity,27.9,baseline,1.224,0.249,False,,False,,100000.0,3988.05,3437.25,3848.06,4331.99,False,0,0.09,-12.39
LI-2024-INS004-001276,2020-01-24,2,41,43,1979,female,never_smoker,23.7,62,129,SD,USA,single,graduate,white_collar,38076.38,0.4509,non_med_guaranteed,119,69,179,55,3.25,94,,False,100.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-484,2.25,term_life,250000,semi_annual,2065.67,20.0,none,,,,False,none,independent_broker,True,False,False,0.002537,0.015322,SOA_2015_VBT,SOA_Scale_MP2023,2.343,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.018,True,0.00525,1.0,False,,,,0.07,0.0937,False,normal_rate,5.4,1.7,False,False,False,False,True,0.82,55.1,53.1,super_preferred_longevity,98.9,baseline,1.162,0.325,False,,False,,250000.0,16128.49,15863.63,16525.36,3924.77,False,0,2.66,-12.22
LI-2024-INS004-001277,2002-07-11,16,64,80,1938,male,never_smoker,27.0,75,215,UT,USA,married,some_college,heavy_blue_collar,161236.35,0.7904,full_paramedical,148,76,222,47,4.72,99,5.1,False,69.0,3.98,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_2,1.23,2.0,False,False,False,False,18,UW-278,1.5,universal_life,500000,quarterly,4655.11,,15yr_declining,5488.76,,,False,none,captive_agent,False,False,False,0.060544,0.121448,SOA_2015_VBT,SOA_Scale_MP2023,1.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030272,0.005,False,,1.0,False,,,,0.04,0.1477,True,normal_rate,3.85,1.19,False,False,False,False,False,0.972,22.3,6.3,sub_standard_longevity,33.8,baseline,0.907,0.849,False,,False,,494511.24,11913.82,11161.19,11730.88,13946.71,False,0,3.81,1.42
LI-2024-INS004-001278,2008-12-23,18,24,42,1984,female,never_smoker,24.0,67,153,IN,USA,married,some_college,white_collar,49489.46,0.332,full_paramedical,149,83,181,59,3.07,79,5.1,False,,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-142,1.5,whole_life,5000000,quarterly,23831.68,,none,29092.61,,,True,none,independent_broker,False,False,False,0.002366,0.006072,SOA_2015_VBT,SOA_Scale_MP2023,1.652,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001183,0.02,False,,1.0,False,,,,0.015,0.0215,False,normal_rate,2.64,1.57,False,False,False,False,False,0.766,70.0,52.0,super_preferred_longevity,95.5,baseline,1.251,0.221,False,,False,,4970907.39,203860.99,179070.37,190653.44,45280.19,False,0,6.59,4.57
LI-2024-INS004-001279,2011-02-04,15,35,50,1976,male,former_smoker,25.6,72,188,VT,USA,married,graduate,professional,27745.93,0.8125,full_paramedical,97,54,192,49,3.92,96,5.6,False,72.6,3.69,False,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-351,2.25,term_life,1000000,annual,10026.39,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.006967,0.023869,SOA_2015_VBT,SOA_Scale_MP2023,2.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008709,0.018,False,,1.0,False,,,,0.03,0.0315,False,normal_rate,4.24,1.66,False,False,False,False,False,0.949,58.1,43.1,super_preferred_longevity,89.3,baseline,0.891,0.726,False,,False,,1000000.0,87064.52,80581.95,80211.12,19050.14,False,0,-2.64,-12.12
LI-2024-INS004-001280,2024-09-10,1,28,29,1996,male,former_smoker,29.5,68,193,ID,USA,married,some_college,heavy_blue_collar,55142.12,0.6216,non_med_guaranteed,119,68,212,46,4.61,95,4.6,False,94.0,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,1.32,5.0,False,False,False,False,28,UW-103,2.25,universal_life,250000,monthly,1254.26,,15yr_declining,727.01,,,False,none,bank,False,False,False,0.001812,0.006941,SOA_2015_VBT,SOA_Scale_MP2023,2.496,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002265,0.022,False,,1.0,False,,,,0.12,0.0649,False,normal_rate,1.38,0.65,False,False,False,False,False,0.777,67.6,55.0,super_preferred_longevity,100.0,baseline,1.034,0.516,False,,False,,249272.99,9499.54,9753.5,10034.08,2383.09,False,0,1.49,-5.73
LI-2024-INS004-001281,2004-02-11,22,48,70,1956,female,former_smoker,29.2,62,159,VA,USA,married,bachelors,light_blue_collar,47758.39,0.6881,full_paramedical,122,77,147,53,2.77,75,5.2,False,60.7,,True,True,True,False,True,other,6.8,none,none,none,3,False,False,False,False,True,substandard_table_3,,3.0,False,False,False,False,35,UW-341,1.75,universal_life,2000000,annual,19714.17,,15yr_declining,29796.08,,,True,facultative,direct_to_consumer,False,False,False,0.027033,0.069296,SOA_2015_VBT,SOA_Scale_MP2023,1.843,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020275,0.012,False,,1.0,False,,,,0.04,0.0644,False,normal_rate,3.5,1.15,False,False,False,False,False,0.86,48.1,26.1,preferred_longevity,72.0,baseline,0.984,0.534,False,,False,,1970203.92,157567.76,163149.06,157713.36,37456.92,False,0,2.26,4.66
LI-2024-INS004-001282,2001-08-02,2,22,24,1979,female,former_smoker,25.5,72,188,VA,USA,divorced,some_college,white_collar,109961.46,0.7596,full_paramedical,123,72,220,67,3.28,91,4.1,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-317,0.84,term_life,100000,quarterly,185.89,25.0,none,,,,False,none,independent_broker,False,False,False,0.001186,0.000905,SOA_2015_VBT,SOA_Scale_MP2023,0.82,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0765,False,normal_rate,2.27,1.97,False,False,False,False,False,0.764,70.0,55.0,super_preferred_longevity,100.0,baseline,0.93,0.778,False,,False,,100000.0,1399.49,1418.22,1487.12,353.19,False,0,5.52,20.96
LI-2024-INS004-001283,2020-08-03,3,54,57,1966,male,never_smoker,33.8,72,249,ID,USA,married,less_than_hs,hazardous,177668.96,0.2515,full_paramedical,149,94,262,32,8.19,95,7.9,False,,3.5,False,False,False,False,True,lung,24.4,type_2,none,depression,0,False,False,True,False,True,substandard_table_12,4.8,12.0,True,False,False,False,35,UW-434,4.0,term_life,100000,monthly,2112.49,15.0,none,,,,False,none,worksite,False,False,False,0.009477,0.1048,SOA_2015_VBT,SOA_Scale_MP2023,5.934,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028431,0.015,True,0.00262,1.0,False,,,,0.07,0.1469,False,normal_rate,5.63,2.75,False,False,False,False,False,0.921,35.1,31.7,preferred_longevity,63.8,baseline,1.311,0.16,False,,True,-0.295,100000.0,15523.67,14857.15,16899.92,4013.73,False,0,-5.0,-20.0
LI-2024-INS004-001284,2023-06-14,2,75,77,1948,non_binary,never_smoker,15.1,72,111,IA,USA,married,high_school,white_collar,54541.94,0.2872,accelerated_UW,128,70,228,79,2.89,104,,False,55.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,declined,,,False,True,True,True,51,UW-279,7.0,term_life,500000,monthly,24190.59,10.0,none,,,,False,none,independent_broker,False,False,False,0.041929,0.638081,SOA_2015_VBT,SOA_Scale_MP2023,7.176,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.251571,0.008,False,,1.0,False,,,,0.07,0.1441,False,normal_rate,4.17,1.81,False,False,False,False,False,0.875,11.0,9.0,sub_standard_longevity,30.3,baseline,1.285,0.065,False,,False,,500000.0,93943.45,84610.05,87086.12,67249.84,False,0,-5.0,-20.0
LI-2024-INS004-001285,2003-12-07,19,31,50,1972,male,never_smoker,34.2,66,212,OK,USA,married,bachelors,light_blue_collar,107118.5,0.1697,full_paramedical,133,88,181,59,3.07,85,4.9,False,73.7,4.6,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,True,False,True,standard,,,False,True,False,False,33,UW-428,1.0,universal_life,1000000,monthly,3641.05,,10yr_declining,4722.34,,,True,excess_of_loss,bank,False,False,False,0.005359,0.00757,SOA_2015_VBT,SOA_Scale_MP2023,1.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0626,False,normal_rate,4.7,2.55,False,False,False,False,False,0.753,58.9,39.9,preferred_longevity,74.9,baseline,1.373,0.133,False,,False,,995277.66,27402.38,26988.6,29128.4,6918.0,False,0,5.93,11.99
LI-2024-INS004-001286,2008-06-25,11,37,48,1971,female,never_smoker,33.7,65,202,IA,USA,married,some_college,heavy_blue_collar,227215.21,0.6167,full_paramedical,145,101,221,40,5.53,89,5.6,False,78.0,,False,False,False,False,False,none,,none,none,depression,12,False,False,False,False,False,substandard_table_4,0.57,4.0,False,False,False,False,23,UW-460,2.0,term_life,500000,quarterly,3509.58,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.00367,0.011902,SOA_2015_VBT,SOA_Scale_MP2023,2.162,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00367,0.018,False,,1.0,False,,,,0.03,0.0507,False,normal_rate,3.63,2.84,False,False,False,False,False,0.946,58.6,50.6,super_preferred_longevity,97.7,baseline,1.037,0.561,True,53.2,False,,500000.0,27260.36,26715.41,28076.64,6668.2,False,0,0.67,-5.06
LI-2024-INS004-001287,2019-08-01,7,78,85,1941,female,never_smoker,26.5,61,140,NY,USA,married,bachelors,hazardous,86441.84,0.525,limited_exam,148,84,261,61,4.28,91,6.4,False,82.4,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,4.77,5.0,True,False,False,False,12,UW-398,2.25,whole_life,250000,annual,3471.94,,none,2712.95,,,False,none,captive_agent,False,False,False,0.070308,0.268643,SOA_2015_VBT,SOA_Scale_MP2023,2.324,cardiovascular,True,2020-04-06,True,True,1883293.63,0.0007,5e-05,1.095,0.087885,0.008,False,,1.0,True,2025-11-12,non_payment,7.0,0.02,0.0256,False,normal_rate,2.36,0.6,False,False,False,False,False,0.787,11.9,4.9,sub_standard_longevity,27.7,baseline,1.106,0.41,True,32.8,False,,247287.05,6980.21,6117.2,6805.0,10790.79,False,0,-1.78,-20.0
LI-2024-INS004-001288,2003-08-16,9,65,74,1938,male,never_smoker,26.7,76,219,OR,USA,married,bachelors,white_collar,33549.38,0.4893,full_paramedical,136,86,164,52,3.15,94,,False,72.9,3.7,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-021,1.25,whole_life,250000,monthly,1723.3,,none,1499.85,,,False,none,employer_group,False,False,False,0.035897,0.068316,SOA_2015_VBT,SOA_Scale_MP2023,1.459,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008974,0.005,False,,1.0,False,,,,0.02,0.0314,False,normal_rate,3.25,2.82,False,False,False,False,False,0.763,20.1,11.1,standard_longevity,36.5,baseline,1.133,0.686,False,,False,,248500.15,7856.33,7553.0,7651.45,4501.26,False,0,4.73,18.33
LI-2024-INS004-001289,2014-06-23,6,77,83,1937,female,former_smoker,24.8,64,144,CT,USA,married,graduate,heavy_blue_collar,102972.09,0.3485,limited_exam,164,101,202,44,4.59,99,,False,47.5,,False,False,True,False,True,melanoma,2.4,none,none,anxiety,2,False,False,False,False,True,substandard_table_5,1.0,5.0,False,False,False,False,33,UW-322,2.25,term_life,100000,quarterly,1425.98,30.0,none,,,,False,none,bank,False,False,False,0.081169,0.338128,SOA_2015_VBT,SOA_Scale_MP2023,2.354,respiratory,True,2020-03-16,False,False,577115.56,0.0007,5e-05,1.095,0.101461,0.005,False,,1.0,False,,,,0.05,0.0711,False,normal_rate,4.45,0.88,False,False,False,False,False,0.936,14.3,10.1,standard_longevity,42.9,baseline,1.239,0.263,True,91.4,False,,100000.0,5908.72,5082.53,5760.96,3838.74,False,0,3.27,-17.35
LI-2024-INS004-001290,2010-11-26,3,51,54,1959,female,never_smoker,38.2,60,195,TN,USA,married,some_college,white_collar,20000.0,0.6444,limited_exam,124,85,205,45,4.56,88,5.2,False,81.7,,True,True,True,False,True,melanoma,0.8,none,none,none,4,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,28,UW-109,2.25,whole_life,2000000,monthly,22936.95,,none,14627.48,3115.65,0.213,True,none,direct_to_consumer,False,False,False,0.0055,0.019799,SOA_2015_VBT,SOA_Scale_MP2023,2.311,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006875,0.012,False,,1.0,False,,,,0.04,0.0398,False,normal_rate,3.12,0.82,False,False,False,False,False,0.966,45.4,42.9,super_preferred_longevity,96.5,baseline,1.017,0.688,True,37.3,False,,1985372.52,175155.87,162521.11,183495.6,43580.2,False,0,0.95,-6.73
LI-2024-INS004-001291,2023-06-23,1,21,22,2002,female,never_smoker,30.8,59,152,WA,USA,married,some_college,light_blue_collar,109805.29,0.8566,full_paramedical,141,90,213,51,4.18,77,,False,120.0,,True,False,False,False,False,none,,none,none,bipolar,7,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,53,UW-031,2.0,annuity_immediate,250000,annual,915.43,,none,,,,False,none,captive_agent,False,False,False,0.000854,0.00235,SOA_2015_VBT,SOA_Scale_MP2023,2.042,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000854,0.012,False,,1.0,False,,,,0.01,0.0101,False,normal_rate,4.17,2.01,False,False,False,False,False,0.826,70.0,55.0,super_preferred_longevity,100.0,baseline,0.858,1.0,False,,False,,250000.0,6637.26,6766.67,7323.44,1739.32,False,0,0.28,-8.22
LI-2024-INS004-001292,2008-07-23,17,52,69,1956,female,never_smoker,18.9,65,113,NE,USA,single,bachelors,white_collar,36129.11,0.951,full_paramedical,127,71,201,74,2.72,75,4.3,False,90.1,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,26,UW-158,0.56,whole_life,100000,monthly,349.94,,none,413.31,,,False,none,independent_broker,False,False,False,0.019057,0.009896,SOA_2015_VBT,SOA_Scale_MP2023,0.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.015,0.0141,False,normal_rate,4.15,2.61,False,False,False,False,False,0.775,42.2,25.2,preferred_longevity,64.6,baseline,0.787,1.0,False,,False,,99586.69,2704.66,2689.01,2799.52,664.89,False,0,0.7,34.42
LI-2024-INS004-001293,2011-06-15,3,48,51,1963,male,never_smoker,28.1,74,218,NV,USA,widowed,some_college,white_collar,75932.57,0.6069,full_paramedical,132,80,165,50,3.3,101,,False,70.1,4.65,False,True,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,20,UW-011,0.63,term_life,500000,semi_annual,1485.3,30.0,none,,,,True,facultative,captive_agent,False,False,False,0.005628,0.004081,SOA_2015_VBT,SOA_Scale_MP2023,0.694,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.085,False,normal_rate,2.41,1.32,False,False,False,False,False,0.941,45.1,42.1,super_preferred_longevity,94.8,baseline,1.045,0.801,False,,False,,500000.0,11405.08,10826.45,11882.4,2822.07,False,0,5.69,30.64
LI-2024-INS004-001294,2008-05-14,6,65,71,1943,male,never_smoker,33.7,66,208,MN,USA,single,graduate,white_collar,25917.57,0.2507,simplified_issue,124,71,192,39,4.92,89,5.3,False,,6.82,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-046,1.25,term_life,500000,quarterly,4075.78,20.0,none,,,,False,none,captive_agent,False,False,False,0.026499,0.058705,SOA_2015_VBT,SOA_Scale_MP2023,1.498,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006625,0.008,False,,1.0,False,,,,0.05,0.075,False,normal_rate,5.06,2.97,False,False,False,False,False,0.901,20.1,14.1,standard_longevity,37.4,baseline,1.312,0.232,False,,False,,500000.0,25025.73,21707.21,22987.4,9667.75,False,0,4.92,12.81
LI-2024-INS004-001295,2014-11-23,11,51,62,1963,female,never_smoker,21.6,71,155,OR,USA,single,bachelors,professional,121273.79,0.6789,limited_exam,150,99,267,51,5.24,89,5.4,False,,,False,False,False,False,False,none,,none,none,none,19,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,25,UW-172,1.5,group_life,2000000,quarterly,15250.26,,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.011241,0.023396,SOA_2015_VBT,SOA_Scale_MP2023,1.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00562,0.015,False,,1.0,False,,,,0.1,0.162,False,normal_rate,2.6,1.8,False,False,False,False,False,0.816,43.4,32.4,preferred_longevity,71.3,baseline,0.991,0.821,False,,False,,2000000.0,110425.44,119780.22,122002.08,28975.49,False,0,1.74,0.13
LI-2024-INS004-001296,2003-10-01,9,29,38,1974,female,never_smoker,31.9,68,209,CT,USA,married,graduate,light_blue_collar,29221.79,0.2111,full_paramedical,120,69,198,51,3.88,96,,False,85.7,,False,True,False,False,True,lymphoma,1.1,none,none,bipolar,1,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,21,UW-271,4.0,term_life,1000000,annual,11688.76,10.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.001816,0.01832,SOA_2015_VBT,SOA_Scale_MP2023,5.282,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005449,0.018,False,,1.0,False,,,,0.05,0.1072,False,normal_rate,2.72,2.64,False,False,False,False,False,0.977,65.4,57.9,super_preferred_longevity,100.0,baseline,1.342,0.318,True,49.9,False,,1000000.0,90208.64,93261.86,93510.08,22208.64,False,0,-0.0,-20.0
LI-2024-INS004-001297,2000-08-09,17,53,70,1947,male,never_smoker,28.3,73,214,AR,USA,single,less_than_hs,white_collar,225726.65,0.8159,full_paramedical,121,69,156,57,2.74,60,5.6,False,96.7,12.64,False,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,preferred_plus,,,False,False,False,False,29,UW-224,0.66,indexed_ul,500000,monthly,1898.16,,15yr_declining,2305.63,,,False,none,bank,False,False,False,0.025076,0.01374,SOA_2015_VBT,SOA_Scale_MP2023,0.617,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0419,False,normal_rate,5.1,2.08,False,True,False,False,False,0.799,35.0,18.0,standard_longevity,51.7,baseline,0.888,0.781,False,,False,,497694.37,12514.44,12965.6,13666.75,3910.21,False,0,3.4,31.67
LI-2024-INS004-001298,2007-06-28,3,47,50,1960,female,never_smoker,29.6,69,200,WY,USA,married,bachelors,professional,109898.38,0.475,full_paramedical,119,70,235,33,7.12,115,5.1,False,75.2,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-177,1.5,whole_life,500000,monthly,3248.48,,none,2219.67,,,False,none,captive_agent,False,False,False,0.003975,0.00959,SOA_2015_VBT,SOA_Scale_MP2023,1.672,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001988,0.015,False,,1.0,False,,,,0.04,0.0528,False,normal_rate,2.18,2.83,False,False,False,False,False,0.963,46.1,45.9,super_preferred_longevity,88.5,baseline,1.144,0.305,True,53.6,False,,497780.33,26101.85,25664.53,25987.84,6172.11,False,0,3.62,4.74
LI-2024-INS004-001299,2018-10-03,9,21,30,1997,male,never_smoker,22.1,70,153,MO,USA,married,high_school,heavy_blue_collar,275984.0,0.7316,limited_exam,106,73,165,57,2.89,101,5.4,False,,,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,0.79,5.0,False,False,False,False,6,UW-063,2.25,term_life,500000,monthly,2574.77,20.0,none,,,,False,none,bank,False,False,False,0.00146,0.005104,SOA_2015_VBT,SOA_Scale_MP2023,2.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,False,,1.0,False,,,,0.05,0.0557,False,normal_rate,4.51,2.2,False,False,False,False,False,0.756,70.0,55.0,super_preferred_longevity,100.0,baseline,0.951,0.783,False,,False,,500000.0,18718.08,18422.29,20598.16,4892.06,False,0,0.56,-11.3
LI-2024-INS004-001300,2019-09-14,5,26,31,1993,male,never_smoker,31.1,63,175,WI,USA,married,some_college,heavy_blue_collar,107513.83,0.7564,simplified_issue,115,71,240,44,5.45,90,,False,118.5,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,0.78,1.0,False,False,False,False,29,UW-480,1.25,whole_life,1000000,quarterly,2989.97,,none,2190.2,,,True,quota_share,independent_broker,False,False,False,0.001532,0.002397,SOA_2015_VBT,SOA_Scale_MP2023,1.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000383,0.022,False,,1.0,False,,,,0.04,0.0438,False,normal_rate,5.31,1.25,False,False,False,False,False,0.957,69.7,55.0,super_preferred_longevity,100.0,baseline,0.933,0.768,False,,False,,997809.8,21885.49,22014.6,23919.76,5680.94,False,0,3.05,13.0
LI-2024-INS004-001301,2023-11-05,2,25,27,1998,female,unknown,32.9,69,222,CO,USA,single,graduate,hazardous,85998.7,0.4525,simplified_issue,133,89,213,52,4.1,98,4.7,False,119.1,,False,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,2.69,1.0,True,False,False,False,3,UW-417,1.25,universal_life,250000,quarterly,689.88,,10yr_declining,425.83,,,False,none,independent_broker,False,False,False,0.001177,0.002325,SOA_2015_VBT,SOA_Scale_MP2023,1.487,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000294,0.022,False,,1.0,False,,,,0.08,0.0482,False,normal_rate,4.87,1.73,False,False,False,False,False,0.965,70.0,55.0,super_preferred_longevity,100.0,baseline,1.161,0.419,False,,False,,249574.17,5598.83,5055.67,5519.04,1310.77,False,0,2.92,15.11
LI-2024-INS004-001302,2008-10-25,14,78,92,1930,female,never_smoker,39.7,65,238,AZ,USA,married,graduate,light_blue_collar,66441.0,0.4356,accelerated_UW,159,113,244,39,6.26,102,5.2,False,66.8,,False,False,False,True,False,none,,none,none,depression,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,27,UW-300,2.5,universal_life,2000000,monthly,43813.77,,15yr_declining,46146.71,,,True,coinsurance,captive_agent,False,False,False,0.128281,0.602719,SOA_2015_VBT,SOA_Scale_MP2023,2.726,cardiovascular,True,2010-10-18,True,True,1365464.79,0.0007,5e-05,1.095,0.192422,0.005,False,,1.0,False,,,,0.04,0.0243,False,normal_rate,3.84,2.05,False,False,False,False,False,0.906,9.6,1.0,sub_standard_longevity,20.5,baseline,1.173,0.451,False,,False,,1953853.29,16894.31,15342.41,17525.51,149843.09,False,0,-2.03,-19.95
LI-2024-INS004-001303,2018-09-08,2,54,56,1964,female,current_smoker,20.9,63,118,AR,USA,married,some_college,light_blue_collar,82106.06,0.4937,full_paramedical,113,82,199,61,3.26,103,5.6,True,86.1,,False,False,True,False,False,none,,none,none,depression,9,True,False,False,False,False,substandard_table_3,2.81,3.0,True,False,False,False,25,UW-010,1.75,whole_life,1000000,quarterly,8471.79,,none,5731.25,,,True,none,independent_broker,False,False,False,0.01374,0.039224,SOA_2015_VBT,SOA_Scale_MP2023,1.863,cardiovascular,True,2020-08-10,True,False,1036228.18,0.0007,5e-05,1.095,0.010305,0.015,False,,1.0,False,,,,0.04,0.0522,False,normal_rate,2.12,1.12,False,False,False,False,False,0.755,42.8,40.8,super_preferred_longevity,91.1,baseline,1.13,0.454,False,,False,,994268.75,65425.72,70998.27,67774.32,16096.4,False,0,3.17,-2.92
LI-2024-INS004-001304,2003-08-12,6,80,86,1923,female,never_smoker,28.9,58,138,MS,USA,married,high_school,professional,109650.03,0.317,accelerated_UW,141,91,264,60,4.4,105,5.5,False,87.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,True,True,standard,,,False,True,False,True,57,UW-087,1.0,whole_life,2000000,quarterly,15783.63,,none,12785.99,,,True,excess_of_loss,bank,False,False,False,0.055903,0.074374,SOA_2015_VBT,SOA_Scale_MP2023,1.054,cardiovascular,True,2009-03-04,False,False,774300.03,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0289,False,normal_rate,4.12,1.13,False,False,False,False,False,0.83,6.7,1.0,sub_standard_longevity,18.8,baseline,1.262,0.251,False,,True,-0.197,1987214.01,6599.8,6440.29,6313.45,53980.01,False,0,3.42,26.21
LI-2024-INS004-001305,2015-03-19,5,35,40,1980,female,never_smoker,27.4,65,164,FL,USA,single,some_college,professional,75435.58,0.3897,full_paramedical,115,71,233,35,6.66,104,5.5,False,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-334,1.5,group_life,5000000,annual,24148.02,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.002066,0.005011,SOA_2015_VBT,SOA_Scale_MP2023,1.594,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001033,0.02,False,,1.0,True,2025-08-26,replacement,5.0,0.15,0.8,False,normal_rate,3.4,2.38,False,False,False,True,False,0.777,61.2,58.2,super_preferred_longevity,100.0,baseline,1.208,0.553,True,51.7,False,,5000000.0,207221.19,169703.25,193184.16,45881.24,False,0,2.73,4.97
LI-2024-INS004-001306,2005-10-14,8,80,88,1925,male,never_smoker,26.7,71,191,NC,USA,married,high_school,professional,70067.16,0.6305,full_paramedical,152,91,184,47,3.91,100,,False,73.2,20.0,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-139,1.5,universal_life,500000,monthly,5202.04,,15yr_declining,4554.29,,,False,none,captive_agent,False,False,False,0.084736,0.193373,SOA_2015_VBT,SOA_Scale_MP2023,1.735,cardiovascular,True,2012-02-03,False,False,434211.82,0.0007,5e-05,1.095,0.042368,0.012,False,,1.0,False,,,,0.06,0.0323,False,normal_rate,2.19,1.01,False,False,False,False,False,0.873,5.0,1.0,sub_standard_longevity,23.5,baseline,1.027,0.481,False,,False,,495445.71,2226.29,2129.11,2080.82,17790.98,False,0,3.47,0.8
LI-2024-INS004-001307,2010-02-08,7,80,87,1930,female,never_smoker,26.2,71,187,MO,USA,married,high_school,heavy_blue_collar,23503.9,0.9452,simplified_issue,143,78,200,51,3.92,91,4.5,False,49.5,,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,0.59,5.0,False,False,False,False,10,UW-405,2.25,group_life,250000,monthly,3987.97,,none,,,,False,none,captive_agent,False,False,False,0.084757,0.265863,SOA_2015_VBT,SOA_Scale_MP2023,2.385,cardiovascular,True,2016-04-15,False,False,151671.97,0.0007,5e-05,1.095,0.105946,0.005,False,,1.0,False,,,,0.12,0.1133,False,normal_rate,2.66,0.71,False,False,False,False,False,0.782,12.7,5.7,standard_longevity,45.2,baseline,0.791,0.845,False,,False,,250000.0,9883.27,8883.5,9092.57,12139.38,False,0,2.03,-8.18
LI-2024-INS004-001308,2001-02-15,18,32,50,1969,non_binary,former_smoker,25.0,73,189,AZ,USA,widowed,some_college,light_blue_collar,281565.9,0.2896,simplified_issue,116,71,197,48,4.1,76,,False,65.6,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,51,UW-261,2.25,indexed_ul,500000,monthly,4629.43,,15yr_declining,5829.21,,,False,none,captive_agent,False,False,False,0.006271,0.027554,SOA_2015_VBT,SOA_Scale_MP2023,2.451,other,True,2014-12-30,False,False,1179713.95,0.0007,5e-05,1.095,0.007838,0.015,False,,1.0,False,,,,0.04,0.0587,False,normal_rate,2.61,0.54,False,False,False,False,False,0.822,57.7,39.7,preferred_longevity,76.4,baseline,1.283,0.204,False,,False,,494170.79,37907.19,34358.23,37035.44,8795.92,False,0,0.02,-15.73
LI-2024-INS004-001309,2016-12-13,11,30,41,1986,female,never_smoker,29.1,72,214,KS,USA,married,bachelors,professional,42792.37,0.5601,full_paramedical,107,70,215,43,5.0,95,4.8,False,99.7,,True,True,False,False,False,none,,none,none,schizophrenia,15,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-048,2.25,annuity_immediate,500000,monthly,4238.59,,none,,,,False,none,direct_to_consumer,False,False,False,0.002209,0.008713,SOA_2015_VBT,SOA_Scale_MP2023,2.495,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,False,,1.0,False,,,,0.002,0.005,False,normal_rate,5.98,2.44,False,False,False,False,False,0.751,67.7,55.0,super_preferred_longevity,100.0,baseline,1.08,0.627,False,,False,,500000.0,30645.32,32396.7,33908.72,8053.32,False,0,1.41,-9.98
LI-2024-INS004-001310,2014-01-07,3,29,32,1985,male,current_smoker,27.3,76,224,OH,USA,married,graduate,white_collar,42295.66,0.2721,full_paramedical,118,73,225,65,3.46,95,,True,96.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,25,UW-005,1.0,term_life,2000000,monthly,5380.42,15.0,none,,,,True,none,captive_agent,False,False,False,0.003222,0.004243,SOA_2015_VBT,SOA_Scale_MP2023,1.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.1453,False,normal_rate,3.14,2.05,False,False,False,False,False,0.793,63.4,55.0,super_preferred_longevity,99.1,baseline,1.296,0.343,False,,False,,2000000.0,46899.92,42719.83,43043.36,10222.8,False,0,3.84,9.95
LI-2024-INS004-001311,2004-12-27,4,58,62,1946,male,unknown,32.3,63,182,NE,USA,widowed,graduate,professional,156427.75,0.748,full_paramedical,150,85,199,39,5.1,85,5.4,False,66.8,9.79,False,False,False,False,True,other,2.1,none,none,none,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,15,UW-309,2.5,annuity_deferred,500000,monthly,5722.7,,none,3899.51,,,False,none,captive_agent,False,False,False,0.014297,0.055815,SOA_2015_VBT,SOA_Scale_MP2023,2.56,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021446,0.008,False,,1.0,False,,,,0.04,0.0441,False,normal_rate,4.69,0.7,False,False,False,False,False,0.845,29.5,25.5,preferred_longevity,62.0,baseline,0.939,0.768,False,,False,,496100.49,44372.29,43326.34,45781.6,10873.13,False,0,0.93,-20.0
LI-2024-INS004-001312,2004-04-08,5,70,75,1934,female,never_smoker,18.3,63,103,TX,USA,married,some_college,professional,140061.59,0.6632,full_paramedical,136,83,231,56,4.12,92,5.5,False,70.2,,False,False,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-402,1.25,indexed_ul,500000,monthly,4202.91,,10yr_declining,3239.66,,,False,none,independent_broker,False,False,False,0.030717,0.049841,SOA_2015_VBT,SOA_Scale_MP2023,1.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007679,0.005,False,,1.0,False,,,,0.08,0.0421,False,normal_rate,3.02,2.0,False,False,False,False,False,0.751,19.2,14.2,standard_longevity,43.7,baseline,1.003,0.54,False,,False,,496760.34,24419.75,22894.88,23872.53,9935.68,False,0,5.38,14.16
LI-2024-INS004-001313,2018-06-27,9,46,55,1972,female,never_smoker,29.6,68,194,IA,USA,married,graduate,professional,77227.73,0.48,full_paramedical,144,86,240,59,4.07,107,4.7,False,82.8,,False,False,True,False,False,none,,none,none,none,3,True,False,False,False,False,substandard_table_1,2.82,1.0,True,False,False,False,9,UW-458,1.25,term_life,500000,quarterly,2753.41,20.0,none,,,,False,none,independent_broker,False,False,False,0.00642,0.012218,SOA_2015_VBT,SOA_Scale_MP2023,1.45,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001605,0.018,False,,1.0,False,,,,0.05,0.0658,False,normal_rate,3.26,1.71,False,False,False,False,False,0.878,52.2,46.0,super_preferred_longevity,98.7,baseline,1.14,0.464,True,53.5,False,,500000.0,24207.55,21086.88,22027.28,5231.48,False,0,0.18,10.08
LI-2024-INS004-001314,2018-04-23,1,79,80,1939,male,never_smoker,24.8,73,188,NV,USA,divorced,less_than_hs,professional,102681.31,0.5155,full_paramedical,121,78,250,49,5.1,82,5.4,False,89.2,14.95,False,True,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-144,1.25,whole_life,1000000,monthly,8841.93,,none,5106.22,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.060848,0.107144,SOA_2015_VBT,SOA_Scale_MP2023,1.357,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015212,0.005,False,,1.0,False,,,,0.06,0.1082,False,normal_rate,1.47,2.19,False,False,False,False,False,0.824,6.3,5.3,sub_standard_longevity,28.2,baseline,1.113,0.491,False,,False,,994893.78,20025.84,17638.73,18744.89,27197.78,False,0,2.64,17.94
LI-2024-INS004-001315,2019-05-23,3,52,55,1967,male,never_smoker,19.3,70,134,KS,USA,married,bachelors,white_collar,36830.17,0.2204,limited_exam,142,92,188,69,2.72,72,5.6,False,93.6,2.25,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-450,2.25,universal_life,2000000,semi_annual,20312.03,,10yr_declining,12912.0,,,True,quota_share,independent_broker,True,False,False,0.008025,0.035943,SOA_2015_VBT,SOA_Scale_MP2023,2.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010032,0.015,False,,1.0,False,,,,0.08,0.0768,False,normal_rate,2.51,1.93,False,False,False,False,False,0.817,37.1,34.1,preferred_longevity,67.0,baseline,1.335,0.364,False,,False,,1987088.0,170518.15,144371.89,162496.24,38592.86,False,0,-0.45,-14.31
LI-2024-INS004-001316,2006-01-26,15,49,64,1957,female,never_smoker,28.7,58,137,FL,USA,divorced,bachelors,light_blue_collar,56997.33,0.6817,limited_exam,115,70,195,60,3.25,102,4.8,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,33,UW-142,2.0,universal_life,100000,monthly,1041.1,,15yr_declining,1179.02,,,False,none,direct_to_consumer,False,False,False,0.012495,0.039044,SOA_2015_VBT,SOA_Scale_MP2023,2.149,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012495,0.012,False,,1.0,False,,,,0.04,0.0291,False,normal_rate,3.45,2.28,False,False,False,False,False,0.979,44.2,29.6,preferred_longevity,67.1,baseline,0.989,0.675,True,38.2,False,,98820.98,8027.66,8525.88,8328.8,1978.09,False,0,1.79,-13.77
LI-2024-INS004-001317,2006-08-02,6,35,41,1971,female,never_smoker,34.5,62,188,GA,USA,single,some_college,professional,20000.0,0.7803,limited_exam,134,83,254,48,5.29,91,5.2,False,85.1,,False,False,False,True,False,none,,none,none,bipolar,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,36,UW-096,2.5,term_life,500000,annual,4483.73,15.0,none,,,,False,none,captive_agent,False,False,False,0.002209,0.008626,SOA_2015_VBT,SOA_Scale_MP2023,2.629,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003314,0.018,False,,1.0,False,,,,0.05,0.2144,False,normal_rate,3.69,0.82,False,False,False,True,False,0.957,61.2,62.1,super_preferred_longevity,100.0,baseline,0.915,0.642,True,71.4,False,,500000.0,33985.36,33327.43,35869.84,8519.09,False,0,-1.46,-18.7
LI-2024-INS004-001318,2001-04-03,20,45,65,1956,female,never_smoker,27.3,65,164,AL,USA,married,some_college,light_blue_collar,162297.12,0.9434,limited_exam,145,86,217,52,4.17,95,4.0,False,,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-287,1.25,whole_life,1000000,quarterly,7569.14,,none,10649.36,,,True,quota_share,employer_group,False,False,False,0.01346,0.016815,SOA_2015_VBT,SOA_Scale_MP2023,1.261,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003365,0.012,False,,1.0,False,,,,0.015,0.017,False,normal_rate,2.84,2.99,False,False,False,False,False,0.854,49.1,29.1,preferred_longevity,70.3,baseline,0.792,1.0,False,,False,,989350.64,59752.17,51773.35,60553.12,14381.37,False,0,4.73,19.67
LI-2024-INS004-001319,2008-01-19,3,59,62,1949,female,never_smoker,21.3,59,105,OR,USA,single,high_school,heavy_blue_collar,79837.91,0.7448,full_paramedical,125,72,228,54,4.22,81,4.7,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,1.01,,False,False,False,False,23,UW-259,0.64,whole_life,250000,monthly,946.69,,none,657.95,,,False,none,independent_broker,False,True,False,0.010189,0.006532,SOA_2015_VBT,SOA_Scale_MP2023,0.681,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0442,False,normal_rate,4.19,2.13,False,False,False,False,False,0.995,33.0,30.4,preferred_longevity,69.3,baseline,0.941,0.663,True,35.0,True,0.108,249342.05,7927.62,7259.52,7573.52,1798.71,False,0,3.42,27.58
LI-2024-INS004-001320,2004-06-15,2,72,74,1932,male,never_smoker,22.9,76,187,GA,USA,married,some_college,light_blue_collar,49975.26,0.75,limited_exam,139,90,241,48,5.02,85,5.1,False,79.3,4.55,True,False,True,True,False,none,,none,none,bipolar,1,True,False,False,False,True,substandard_table_6,4.04,6.0,True,False,False,False,46,UW-471,2.5,universal_life,1000000,monthly,14667.23,,10yr_declining,10301.38,,,True,excess_of_loss,independent_broker,True,False,False,0.034834,0.139966,SOA_2015_VBT,SOA_Scale_MP2023,2.686,cardiovascular,True,2005-04-29,True,False,1080463.46,0.0007,5e-05,1.095,0.052251,0.005,False,,1.0,False,,,,0.08,0.0396,False,normal_rate,3.49,2.48,False,False,False,False,False,0.954,16.2,14.2,standard_longevity,55.0,baseline,0.938,0.831,False,,False,,989698.62,90093.49,83922.03,83309.87,34673.33,False,0,-3.04,-20.0
LI-2024-INS004-001321,2008-03-05,17,70,87,1938,female,current_smoker,22.6,65,136,PA,USA,married,some_college,white_collar,140805.49,0.5753,accelerated_UW,125,72,207,58,3.57,98,,True,73.4,,False,False,False,False,False,none,,none,moderate_gold_2,none,2,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,True,28,UW-231,2.5,annuity_deferred,250000,annual,4037.1,,none,5061.3,,,False,none,independent_broker,False,False,False,0.176449,0.766568,SOA_2015_VBT,SOA_Scale_MP2023,2.662,cancer,True,2024-07-14,False,False,1717125.13,0.0007,5e-05,1.095,0.264674,0.005,False,,1.0,False,,,,0.01,0.0124,False,normal_rate,2.61,2.3,False,False,False,False,False,0.825,19.4,2.4,sub_standard_longevity,24.7,baseline,1.069,0.503,False,,False,,244938.7,4087.91,4062.19,3875.62,13354.73,False,0,0.46,-19.88
LI-2024-INS004-001322,2008-07-01,17,47,64,1961,male,never_smoker,30.9,70,215,FL,USA,single,bachelors,heavy_blue_collar,61968.9,0.8427,simplified_issue,139,88,240,44,5.45,97,,False,86.5,1.87,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,1.08,1.0,False,False,False,False,26,UW-447,1.25,indexed_ul,250000,monthly,1739.45,,10yr_declining,2102.97,,,False,none,captive_agent,False,False,False,0.016193,0.023206,SOA_2015_VBT,SOA_Scale_MP2023,1.363,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004048,0.015,False,,1.0,False,,,,0.04,0.041,False,normal_rate,1.35,1.45,True,False,False,False,False,0.792,46.7,29.7,preferred_longevity,79.7,baseline,0.868,0.895,False,,False,,247897.03,13386.69,13936.25,13915.6,3304.95,False,0,0.15,9.39
LI-2024-INS004-001323,2016-05-12,11,71,82,1945,male,never_smoker,40.6,66,251,VT,USA,married,some_college,white_collar,20182.45,0.6256,full_paramedical,142,81,228,48,4.75,115,6.2,False,75.2,20.0,False,True,True,False,False,none,,pre_diabetes,none,substance_use_disorder,9,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,50,UW-327,2.25,indexed_ul,1000000,annual,15693.36,,10yr_declining,14807.79,,,True,none,independent_broker,False,False,False,0.070173,0.259294,SOA_2015_VBT,SOA_Scale_MP2023,2.372,cancer,True,2025-01-25,False,False,1819700.5,0.0007,5e-05,1.095,0.087716,0.008,False,,1.0,False,,,,0.04,0.1892,True,normal_rate,3.71,0.76,False,False,False,False,False,0.769,18.9,7.9,standard_longevity,43.7,baseline,1.031,0.646,False,,False,,985192.21,44949.28,47019.96,49591.02,45008.56,False,0,2.76,-11.7
LI-2024-INS004-001324,2017-10-01,7,45,52,1972,female,never_smoker,27.2,58,130,NV,USA,married,some_college,light_blue_collar,127979.66,0.5001,limited_exam,132,87,223,43,5.19,72,,False,92.9,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,standard,,,False,True,False,False,35,UW-323,1.0,universal_life,100000,quarterly,383.58,,15yr_declining,308.26,,,False,none,bank,False,False,False,0.005027,0.005774,SOA_2015_VBT,SOA_Scale_MP2023,1.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0351,False,normal_rate,6.72,2.82,False,False,False,False,False,0.895,50.2,43.2,super_preferred_longevity,84.8,baseline,1.125,0.412,False,,False,,99691.74,3133.85,2704.56,3068.64,728.8,False,0,4.45,14.71
LI-2024-INS004-001325,2013-09-20,7,47,54,1966,female,never_smoker,36.7,64,213,DE,USA,married,some_college,light_blue_collar,20000.0,0.4649,accelerated_UW,140,88,276,43,6.42,127,5.7,False,,,False,False,False,False,False,none,,pre_diabetes,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,True,33,UW-291,1.0,term_life,250000,monthly,1149.04,20.0,none,,,,True,quota_share,bank,False,False,False,0.005914,0.007455,SOA_2015_VBT,SOA_Scale_MP2023,1.095,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0664,False,normal_rate,4.55,2.13,False,False,False,False,False,0.757,47.0,40.0,preferred_longevity,79.5,baseline,1.151,0.428,False,,False,,250000.0,9811.33,9281.54,9192.32,2183.18,False,0,2.56,14.62
LI-2024-INS004-001326,2006-06-20,8,62,70,1944,male,former_smoker,26.4,71,189,AZ,USA,single,bachelors,professional,362154.87,0.7695,full_paramedical,149,103,171,27,6.33,122,4.9,False,,3.27,True,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-353,2.0,term_life,2000000,monthly,20548.87,10.0,none,,,,True,excess_of_loss,bank,False,False,False,0.031823,0.093908,SOA_2015_VBT,SOA_Scale_MP2023,2.114,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031823,0.008,False,,1.0,False,,,,0.05,0.0542,False,normal_rate,2.66,2.8,False,False,False,False,False,0.982,28.3,20.3,preferred_longevity,64.5,baseline,0.923,0.65,False,,False,,2000000.0,157013.12,152586.25,164390.96,39042.85,False,0,3.68,-4.78
LI-2024-INS004-001327,2019-07-13,4,29,33,1990,female,current_smoker,24.6,58,117,NH,USA,single,high_school,professional,20000.0,0.6653,accelerated_UW,114,69,198,48,4.12,83,4.5,True,86.7,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,10,UW-110,1.5,universal_life,500000,semi_annual,2025.82,,10yr_declining,1370.72,,,False,none,independent_broker,False,False,False,0.002716,0.006032,SOA_2015_VBT,SOA_Scale_MP2023,1.719,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001358,0.022,False,,1.0,False,,,,0.08,0.042,False,normal_rate,4.36,0.65,False,False,False,False,False,0.827,69.9,55.0,super_preferred_longevity,100.0,baseline,1.001,0.663,False,,False,,498629.28,16396.82,16060.1,16206.56,3849.06,False,0,1.65,11.69
LI-2024-INS004-001328,2005-08-11,3,46,49,1959,male,never_smoker,33.6,62,183,MS,USA,married,bachelors,professional,23834.59,0.3603,simplified_issue,127,86,211,40,5.28,96,5.6,False,77.5,0.81,False,False,False,False,False,none,,none,none,depression,26,False,False,True,False,True,substandard_table_3,,3.0,False,False,False,False,48,UW-411,1.75,term_life,250000,quarterly,1630.56,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.00461,0.01378,SOA_2015_VBT,SOA_Scale_MP2023,1.821,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003457,0.012,False,,1.0,True,2025-07-22,voluntary_surrender,3.0,0.07,0.1384,False,normal_rate,1.93,2.76,False,False,False,False,False,0.937,42.3,39.3,preferred_longevity,76.9,baseline,1.23,0.221,False,,False,,250000.0,13345.23,11362.21,13044.48,3098.06,False,0,4.42,-4.43
LI-2024-INS004-001329,2010-01-04,5,21,26,1989,female,current_smoker,30.7,67,196,MD,USA,married,bachelors,white_collar,69099.46,0.8524,full_paramedical,122,80,199,51,3.9,99,5.4,True,,,False,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,6,UW-004,2.75,whole_life,500000,monthly,3174.73,,none,2500.86,,,False,none,captive_agent,False,False,False,0.001966,0.00844,SOA_2015_VBT,SOA_Scale_MP2023,2.955,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00344,0.02,False,,1.0,False,,,,0.04,0.0407,False,normal_rate,2.36,1.25,False,False,False,False,False,0.936,70.0,55.0,super_preferred_longevity,100.0,baseline,0.861,0.713,False,,False,,497499.14,25946.7,23986.21,25397.84,6031.99,False,0,-1.62,-20.0
LI-2024-INS004-001330,2012-08-20,15,31,46,1981,male,former_smoker,38.6,64,225,WY,USA,married,some_college,professional,31487.63,0.5792,full_paramedical,113,83,227,51,4.45,109,6.1,False,75.7,0.76,False,False,False,False,False,none,,pre_diabetes,none,none,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,38,UW-478,1.5,term_life,1000000,quarterly,6378.45,20.0,none,,,,True,none,captive_agent,True,False,False,0.005126,0.011095,SOA_2015_VBT,SOA_Scale_MP2023,1.562,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002563,0.02,False,,1.0,False,,,,0.03,0.0371,False,normal_rate,5.83,1.19,False,False,False,False,False,0.884,62.1,47.1,super_preferred_longevity,91.8,baseline,1.066,0.61,False,,False,,1000000.0,47148.21,45047.03,51027.6,12119.06,False,0,0.17,8.82
LI-2024-INS004-001331,2023-06-13,2,22,24,2001,male,never_smoker,31.3,67,199,WA,USA,single,bachelors,hazardous,143143.6,0.6522,simplified_issue,113,73,175,53,3.3,87,5.1,True,105.4,,True,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,True,True,substandard_table_5,4.06,5.0,True,False,False,False,31,UW-476,2.25,universal_life,100000,quarterly,492.3,,15yr_declining,330.42,,,False,none,captive_agent,False,False,False,0.002282,0.00839,SOA_2015_VBT,SOA_Scale_MP2023,2.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002852,0.012,False,,1.0,False,,,,0.08,0.0424,False,normal_rate,2.66,2.26,False,False,False,False,False,0.81,70.0,60.3,super_preferred_longevity,100.0,baseline,1.011,0.688,True,62.8,False,,99669.58,3609.8,4134.92,3938.4,935.37,False,0,0.55,-7.86
LI-2024-INS004-001332,2001-05-02,13,69,82,1932,female,former_smoker,15.0,71,107,MO,USA,single,some_college,professional,324089.3,0.3447,full_paramedical,118,68,190,66,2.88,86,,False,75.8,,True,True,True,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,declined,,,False,True,True,False,22,UW-361,7.0,whole_life,2000000,quarterly,98591.73,,none,97227.01,,,True,excess_of_loss,independent_broker,False,False,False,0.072633,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.507,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.435796,0.005,False,,1.0,False,,,,0.015,0.0214,False,normal_rate,5.72,2.49,False,False,False,False,False,0.79,21.6,8.6,standard_longevity,40.6,baseline,1.241,0.397,False,,False,,1902772.99,308925.3,302879.91,339155.55,277239.95,False,0,-5.0,-20.0
LI-2024-INS004-001333,2003-03-15,22,22,44,1981,female,never_smoker,29.7,70,207,WY,USA,married,some_college,white_collar,152022.9,0.6672,limited_exam,118,68,251,67,3.75,83,4.9,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-179,0.83,group_life,1000000,quarterly,2741.67,,none,,,,True,none,direct_to_consumer,False,False,False,0.002724,0.00213,SOA_2015_VBT,SOA_Scale_MP2023,0.782,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,True,2025-09-01,voluntary_surrender,22.0,0.1,0.1633,False,normal_rate,4.14,1.64,False,False,False,False,False,0.986,70.0,48.0,super_preferred_longevity,94.5,baseline,1.0,0.726,False,,False,,1000000.0,23009.2,19194.04,21933.36,5209.17,False,0,3.25,24.93
LI-2024-INS004-001334,2015-09-26,12,24,36,1991,male,never_smoker,26.3,76,216,VA,USA,widowed,bachelors,professional,151339.19,0.728,full_paramedical,122,71,217,49,4.43,97,,False,102.0,,True,True,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-034,2.25,universal_life,500000,quarterly,3062.66,,15yr_declining,3071.59,,,False,none,bank,False,False,False,0.00201,0.00683,SOA_2015_VBT,SOA_Scale_MP2023,2.252,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002512,0.022,False,,1.0,False,,,,0.04,0.0201,False,normal_rate,1.76,2.07,False,False,False,False,False,0.859,70.0,55.0,super_preferred_longevity,100.0,baseline,0.954,0.634,False,,False,,496928.41,23556.12,25621.32,24501.28,5819.05,False,0,1.34,-4.63
LI-2024-INS004-001335,2013-08-15,1,31,32,1982,male,former_smoker,23.5,66,145,FL,USA,married,bachelors,white_collar,144877.47,0.6883,simplified_issue,120,76,128,54,2.37,92,,False,79.8,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-129,2.25,annuity_immediate,250000,annual,1330.4,,none,,,,False,none,captive_agent,False,False,False,0.002095,0.007584,SOA_2015_VBT,SOA_Scale_MP2023,2.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002618,0.02,False,,1.0,False,,,,0.01,0.0115,False,normal_rate,3.82,2.04,False,False,False,False,False,0.769,62.7,55.0,super_preferred_longevity,100.0,baseline,0.984,0.865,False,,False,,250000.0,9592.51,10306.95,10643.2,2527.76,False,0,-0.61,-11.68
LI-2024-INS004-001336,2008-09-01,18,43,61,1965,male,former_smoker,31.5,70,219,WV,USA,married,less_than_hs,heavy_blue_collar,49506.49,0.8797,limited_exam,140,86,186,34,5.47,97,,False,92.8,5.02,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,1.22,5.0,False,False,False,False,8,UW-247,2.25,whole_life,2000000,monthly,25984.03,,none,33479.31,27486.51,0.821,True,quota_share,bank,False,False,False,0.017282,0.054319,SOA_2015_VBT,SOA_Scale_MP2023,2.253,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021603,0.015,False,,1.0,False,,,,0.015,0.009,False,normal_rate,3.83,2.62,False,False,False,False,False,0.832,48.5,30.5,preferred_longevity,71.4,baseline,0.84,0.909,False,,False,,1966520.69,220029.03,178482.26,207872.24,49369.66,False,0,-1.35,0.14
LI-2024-INS004-001337,2009-01-24,14,19,33,1990,male,never_smoker,32.9,71,235,NY,USA,married,bachelors,white_collar,154307.19,0.7873,limited_exam,116,78,196,62,3.16,77,5.7,False,87.1,,False,False,False,False,False,none,,pre_diabetes,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,25,UW-285,2.0,universal_life,500000,monthly,2621.98,,10yr_declining,2763.58,,,False,none,independent_broker,False,False,False,0.001698,0.005007,SOA_2015_VBT,SOA_Scale_MP2023,2.143,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001698,0.022,False,,1.0,False,,,,0.04,0.0428,False,normal_rate,4.0,2.28,False,False,False,False,False,0.993,70.0,55.0,super_preferred_longevity,100.0,baseline,0.91,0.883,False,,False,,497236.42,19515.02,20687.49,20975.84,4981.76,False,0,-1.43,-10.64
LI-2024-INS004-001338,2022-07-16,5,74,79,1948,female,never_smoker,32.2,60,164,LA,USA,divorced,bachelors,white_collar,20000.0,0.9395,limited_exam,145,100,219,45,4.87,138,6.5,False,58.0,,False,False,False,False,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,42,UW-355,1.5,term_life,500000,quarterly,4808.44,25.0,none,,,,False,none,captive_agent,False,False,False,0.044355,0.077412,SOA_2015_VBT,SOA_Scale_MP2023,1.538,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022178,0.008,True,0.00098,1.0,False,,,,0.07,0.0664,False,normal_rate,3.96,1.71,False,False,False,False,False,0.915,18.6,13.6,standard_longevity,47.0,baseline,0.795,0.98,False,,False,,500000.0,26360.96,25188.75,26157.91,11597.96,False,0,2.52,14.86
LI-2024-INS004-001339,2007-10-02,2,34,36,1973,female,never_smoker,18.3,64,106,WA,USA,married,bachelors,professional,49486.95,0.2435,non_med_guaranteed,118,70,220,61,3.61,85,,False,94.5,,True,True,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,44,UW-069,2.25,universal_life,250000,quarterly,1537.97,,10yr_declining,1019.25,,,False,none,employer_group,False,False,False,0.001608,0.006954,SOA_2015_VBT,SOA_Scale_MP2023,2.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.018,False,,1.0,False,,,,0.08,0.091,False,normal_rate,3.48,0.61,False,False,False,False,False,0.767,60.4,55.0,super_preferred_longevity,98.7,baseline,1.317,0.416,False,,False,,248980.75,11888.45,11205.64,12303.76,2922.14,False,0,-0.06,-15.4
LI-2024-INS004-001340,2002-12-04,5,58,63,1944,male,never_smoker,29.9,64,174,CO,USA,divorced,some_college,light_blue_collar,20000.0,0.1516,full_paramedical,131,84,216,49,4.41,96,5.5,False,88.0,6.14,True,False,True,False,False,none,,none,none,none,0,False,False,False,True,True,preferred,,,False,False,False,False,40,UW-356,0.75,term_life,500000,monthly,2198.16,20.0,none,,,,False,none,employer_group,False,False,False,0.013332,0.015174,SOA_2015_VBT,SOA_Scale_MP2023,0.821,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.1857,False,normal_rate,4.63,2.67,False,False,False,False,False,0.816,29.8,24.8,preferred_longevity,62.0,baseline,1.386,0.3,False,,False,,500000.0,16415.78,15220.72,17585.28,4176.5,False,0,5.18,22.18
LI-2024-INS004-001341,2017-07-08,7,44,51,1973,female,never_smoker,32.8,63,185,OH,USA,married,graduate,white_collar,100142.06,0.3394,full_paramedical,130,83,234,41,5.71,95,5.5,False,77.6,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-451,1.25,universal_life,250000,monthly,1392.88,,10yr_declining,1066.17,,,True,none,worksite,False,False,False,0.004641,0.008795,SOA_2015_VBT,SOA_Scale_MP2023,1.321,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00116,0.018,False,,1.0,False,,,,0.06,0.0386,False,normal_rate,6.73,1.32,False,False,False,False,False,0.752,50.7,43.7,super_preferred_longevity,83.1,baseline,1.245,0.324,False,,False,,248933.83,10236.13,11238.75,11143.04,2646.47,False,0,4.85,8.35
LI-2024-INS004-001342,2024-01-07,2,49,51,1975,female,former_smoker,27.9,68,183,GA,USA,widowed,bachelors,professional,35664.24,0.5573,accelerated_UW,117,83,182,42,4.33,114,5.8,False,88.7,,False,True,False,False,True,melanoma,0.8,none,none,substance_use_disorder,8,False,False,False,False,True,standard,,,False,True,False,True,41,UW-159,1.0,group_life,1000000,annual,4533.63,,none,,,,True,none,independent_broker,False,False,False,0.006033,0.006972,SOA_2015_VBT,SOA_Scale_MP2023,1.068,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.15,0.1881,False,normal_rate,1.95,2.16,True,False,False,False,False,0.899,46.9,44.9,super_preferred_longevity,88.2,baseline,1.082,0.567,False,,False,,1000000.0,38755.35,35082.58,36269.04,8613.9,False,0,8.47,12.99
LI-2024-INS004-001343,2024-01-12,1,42,43,1982,female,former_smoker,29.6,64,172,MT,USA,married,high_school,heavy_blue_collar,113685.98,0.3945,full_paramedical,142,93,271,65,4.17,118,4.9,False,80.0,,True,False,False,False,False,none,,none,none,anxiety,2,False,False,True,False,True,substandard_table_2,0.92,2.0,False,False,False,False,58,UW-285,1.5,group_life,500000,monthly,2326.1,,none,,,,True,quota_share,bank,False,False,False,0.003298,0.008225,SOA_2015_VBT,SOA_Scale_MP2023,1.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001649,0.02,False,,1.0,False,,,,0.18,0.2492,False,normal_rate,3.68,2.74,False,False,False,True,False,0.779,54.5,54.3,super_preferred_longevity,99.9,baseline,1.204,0.237,True,38.3,False,,500000.0,20430.28,17078.2,18608.8,4419.59,False,0,0.44,1.53
LI-2024-INS004-001344,2020-08-02,2,78,80,1942,male,unknown,23.9,62,130,CA,USA,married,high_school,white_collar,20729.08,0.4632,full_paramedical,147,89,209,45,4.64,80,5.5,False,48.9,6.37,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-252,1.5,term_life,500000,semi_annual,5124.25,20.0,none,,,,False,none,bank,False,False,False,0.066269,0.163097,SOA_2015_VBT,SOA_Scale_MP2023,1.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033135,0.008,True,0.00347,1.0,False,,,,0.07,0.0931,False,normal_rate,3.69,2.84,False,False,False,False,False,0.841,7.8,6.2,sub_standard_longevity,28.7,baseline,1.153,0.196,True,55.7,False,,500000.0,11640.63,10964.13,12708.14,15393.25,False,0,4.98,7.74
LI-2024-INS004-001345,2011-07-09,4,68,72,1943,female,never_smoker,24.9,58,118,ME,USA,single,high_school,white_collar,20000.0,0.4559,full_paramedical,140,82,251,41,6.12,88,5.9,False,75.9,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-127,2.0,term_life,500000,annual,6724.68,20.0,none,,,,False,none,independent_broker,True,False,False,0.023135,0.082373,SOA_2015_VBT,SOA_Scale_MP2023,2.211,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023135,0.008,False,,1.0,False,,,,0.07,0.0935,False,normal_rate,3.73,1.11,False,False,False,False,True,0.942,21.9,17.9,standard_longevity,46.2,baseline,1.158,0.399,False,,False,,500000.0,44337.2,42199.48,48148.71,13906.64,False,0,2.74,-10.14
LI-2024-INS004-001346,2018-11-06,7,70,77,1948,female,former_smoker,29.2,64,169,PA,USA,married,some_college,professional,22659.96,0.9298,accelerated_UW,145,85,247,54,4.57,92,5.4,False,89.6,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,7,UW-116,1.25,term_life,1000000,quarterly,7805.08,30.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.048451,0.063602,SOA_2015_VBT,SOA_Scale_MP2023,1.324,cardiovascular,True,2023-04-14,False,False,668937.13,0.0007,5e-05,1.095,0.012113,0.008,False,,1.0,False,,,,0.05,0.0669,False,normal_rate,5.24,0.67,True,False,False,False,False,0.783,22.6,16.3,standard_longevity,50.9,baseline,0.803,0.874,True,47.1,False,,1000000.0,55964.5,46308.15,50889.12,17139.96,False,0,1.63,17.98
LI-2024-INS004-001347,2006-09-03,11,37,48,1969,female,never_smoker,29.5,60,151,LA,USA,single,high_school,white_collar,61910.26,0.5152,limited_exam,123,79,243,39,6.23,115,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,29,UW-343,1.5,universal_life,500000,annual,2755.42,,10yr_declining,2618.29,,,False,none,captive_agent,False,False,False,0.00367,0.008133,SOA_2015_VBT,SOA_Scale_MP2023,1.541,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001835,0.015,False,,1.0,False,,,,0.04,0.1773,True,normal_rate,1.7,0.64,False,True,False,False,False,0.889,57.6,46.6,super_preferred_longevity,90.1,baseline,1.114,0.525,False,,False,,497381.71,23153.44,21990.53,22043.36,5235.3,False,0,3.69,11.02
LI-2024-INS004-001348,2007-12-14,15,52,67,1955,male,never_smoker,20.4,62,111,VT,USA,single,graduate,hazardous,41371.7,0.1382,accelerated_UW,128,79,216,54,4.0,100,4.9,False,67.7,1.83,False,False,True,False,False,none,,none,none,none,4,False,False,True,False,True,preferred_plus,4.57,,True,False,False,True,69,UW-184,0.7,indexed_ul,2000000,quarterly,7252.82,,15yr_declining,8338.81,,,True,coinsurance,captive_agent,False,False,False,0.019773,0.016456,SOA_2015_VBT,SOA_Scale_MP2023,0.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0286,False,normal_rate,3.46,2.32,False,False,False,False,False,0.822,37.8,22.3,standard_longevity,58.0,baseline,1.396,0.03,True,26.0,False,,1991661.19,61025.28,50051.74,58022.56,13780.36,False,0,0.14,31.31
LI-2024-INS004-001349,2008-04-25,4,40,44,1968,male,former_smoker,29.9,72,220,AZ,USA,married,high_school,professional,32816.64,0.4533,accelerated_UW,110,71,225,45,5.0,106,5.0,False,78.1,1.59,False,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,preferred,,,False,False,False,True,25,UW-312,0.81,universal_life,1000000,monthly,2671.87,,10yr_declining,1808.01,,,True,none,captive_agent,False,False,False,0.004427,0.004021,SOA_2015_VBT,SOA_Scale_MP2023,0.783,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0481,False,normal_rate,3.0,0.76,False,False,False,False,False,0.863,53.2,49.2,super_preferred_longevity,100.0,baseline,1.16,0.623,False,,False,,998191.99,22589.03,20939.05,21374.96,5076.55,False,0,5.84,25.68
LI-2024-INS004-001350,2004-06-03,19,66,85,1938,male,former_smoker,31.6,63,178,GA,USA,married,bachelors,light_blue_collar,57529.18,0.9279,simplified_issue,163,105,246,39,6.31,111,5.7,False,59.0,5.45,False,False,False,False,True,colorectal,5.5,none,none,none,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,45,UW-039,2.0,group_life,500000,annual,7186.68,,none,,,,False,none,direct_to_consumer,False,False,False,0.121005,0.331653,SOA_2015_VBT,SOA_Scale_MP2023,2.165,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.121005,0.005,False,,1.0,False,,,,0.1,0.1341,False,normal_rate,3.38,1.52,False,False,False,False,False,0.845,20.8,2.2,sub_standard_longevity,29.7,baseline,0.804,0.774,True,97.4,False,,500000.0,6478.77,6579.32,6324.28,23888.52,False,0,1.52,-7.06
LI-2024-INS004-001351,2004-04-25,20,33,53,1971,female,never_smoker,31.7,70,220,MN,USA,married,bachelors,white_collar,98301.66,0.7077,full_paramedical,142,85,236,62,3.81,90,5.3,False,79.0,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-318,1.25,universal_life,2000000,annual,12400.75,,10yr_declining,16910.02,,,True,none,bank,False,False,False,0.005451,0.008209,SOA_2015_VBT,SOA_Scale_MP2023,1.296,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001363,0.018,False,,1.0,False,,,,0.04,0.0454,False,normal_rate,3.22,0.83,False,False,False,False,False,0.761,62.9,47.2,super_preferred_longevity,93.9,baseline,0.969,0.61,True,63.6,False,,1983089.98,89533.44,95234.05,99206.0,23561.42,False,0,1.72,14.18
LI-2024-INS004-001352,2011-09-17,5,28,33,1983,male,never_smoker,19.0,69,128,PA,USA,married,graduate,white_collar,52463.7,0.7192,accelerated_UW,98,57,168,45,3.73,101,4.9,False,89.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,True,True,standard,,,False,True,False,True,48,UW-419,1.0,term_life,500000,annual,1376.31,20.0,none,,,,False,none,independent_broker,False,False,False,0.001698,0.001662,SOA_2015_VBT,SOA_Scale_MP2023,1.019,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0787,False,normal_rate,5.05,1.94,False,False,False,False,False,0.882,65.9,55.0,super_preferred_longevity,100.0,baseline,0.961,0.604,False,,False,,500000.0,10334.8,10100.0,11010.48,2614.99,False,0,6.59,21.92
LI-2024-INS004-001353,2005-04-21,9,57,66,1948,female,never_smoker,28.4,65,170,OH,USA,single,less_than_hs,heavy_blue_collar,20000.0,0.7115,full_paramedical,134,86,197,47,4.19,112,,False,,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,preferred,1.0,,False,False,False,False,19,UW-469,0.82,universal_life,100000,annual,488.43,,10yr_declining,430.44,,,False,none,employer_group,False,False,False,0.014275,0.011615,SOA_2015_VBT,SOA_Scale_MP2023,0.842,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0366,False,normal_rate,1.62,2.9,False,False,False,False,False,0.986,34.7,30.5,preferred_longevity,68.9,baseline,0.966,0.835,True,85.8,False,,99569.56,4006.23,3918.45,3907.44,928.02,False,0,2.51,27.02
LI-2024-INS004-001354,2010-03-11,1,19,20,1991,female,never_smoker,15.0,66,92,NJ,USA,divorced,graduate,white_collar,110386.52,0.6249,limited_exam,108,72,179,60,2.98,81,5.5,False,89.7,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,declined,,,False,False,True,False,15,UW-107,7.0,term_life,1000000,semi_annual,11796.65,20.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.000805,0.010162,SOA_2015_VBT,SOA_Scale_MP2023,6.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004832,0.022,False,,1.0,True,2025-08-23,non_payment,1.0,0.1,0.12,False,normal_rate,4.8,1.09,False,False,False,False,False,0.858,70.0,65.6,super_preferred_longevity,100.0,baseline,1.031,0.653,True,87.0,False,,1000000.0,98757.64,86193.49,94373.2,22413.64,False,0,-5.0,-20.0
LI-2024-INS004-001355,2001-12-19,23,36,59,1965,female,unknown,26.3,59,130,NC,USA,married,bachelors,white_collar,20000.0,0.2197,full_paramedical,138,90,235,69,3.41,92,,False,74.4,,False,False,False,False,True,other,3.1,none,none,none,13,True,False,False,False,True,substandard_table_6,4.4,6.0,True,False,False,False,31,UW-276,2.5,annuity_deferred,250000,annual,3396.5,,none,5111.89,,,False,none,employer_group,True,False,False,0.010317,0.051804,SOA_2015_VBT,SOA_Scale_MP2023,2.637,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015476,0.015,False,,1.0,False,,,,0.01,0.0183,False,normal_rate,4.97,1.3,False,False,False,False,False,0.786,56.8,33.8,preferred_longevity,66.5,baseline,1.335,0.214,False,,False,,244888.11,27712.61,25320.59,27172.0,6453.35,False,0,0.3,-20.0
LI-2024-INS004-001356,2001-05-20,10,24,34,1977,female,never_smoker,28.0,72,206,MS,USA,married,high_school,light_blue_collar,47194.66,0.7805,full_paramedical,131,84,217,49,4.43,95,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,True,False,True,True,substandard_table_5,,5.0,False,False,False,False,35,UW-184,2.25,annuity_deferred,250000,semi_annual,1601.2,,none,1517.05,,,False,none,bank,False,False,False,0.001434,0.004961,SOA_2015_VBT,SOA_Scale_MP2023,2.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001792,0.018,False,,1.0,False,,,,0.02,0.0215,False,normal_rate,2.89,1.7,False,False,False,True,False,0.854,70.0,55.0,super_preferred_longevity,100.0,baseline,0.915,0.531,False,,False,,248482.95,11865.4,12575.54,12809.6,3042.28,False,0,-2.59,-10.97
LI-2024-INS004-001357,2023-01-07,4,21,25,2002,female,former_smoker,30.8,68,202,TN,USA,married,high_school,white_collar,20000.0,0.3696,limited_exam,133,84,221,44,5.02,104,5.2,False,97.3,,False,False,True,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-015,2.0,indexed_ul,100000,monthly,445.56,,15yr_declining,308.56,,,False,none,captive_agent,False,False,False,0.00123,0.004282,SOA_2015_VBT,SOA_Scale_MP2023,2.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00123,0.012,False,,1.0,False,,,,0.08,0.0506,False,normal_rate,2.35,2.32,False,False,False,False,False,0.865,70.0,55.0,super_preferred_longevity,100.0,baseline,1.223,0.331,False,,False,,99691.44,3784.21,3069.24,3564.48,846.56,False,0,0.18,-5.67
LI-2024-INS004-001358,2013-02-15,8,75,83,1938,female,never_smoker,26.0,71,186,NC,USA,married,high_school,light_blue_collar,20000.0,0.8191,full_paramedical,130,85,255,60,4.25,87,,False,63.4,,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,41,UW-186,1.25,universal_life,500000,quarterly,4770.04,,15yr_declining,4171.32,,,False,none,employer_group,False,False,False,0.062752,0.098387,SOA_2015_VBT,SOA_Scale_MP2023,1.488,cardiovascular,True,2014-09-08,True,True,774665.95,0.0007,5e-05,1.095,0.015688,0.005,False,,1.0,False,,,,0.06,0.0338,False,normal_rate,2.91,2.69,False,False,False,False,False,0.752,18.4,10.4,standard_longevity,50.4,baseline,0.886,0.721,False,,False,,495828.68,19198.09,18864.59,19843.37,12726.47,False,0,2.64,17.73
LI-2024-INS004-001359,2021-10-09,1,66,67,1955,female,former_smoker,29.1,62,159,MO,USA,single,bachelors,white_collar,68256.06,0.6064,full_paramedical,144,89,205,48,4.27,103,5.8,False,60.0,,False,False,False,False,True,breast,11.7,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,39,UW-306,1.0,whole_life,1000000,semi_annual,5151.54,,none,3406.93,,,True,excess_of_loss,captive_agent,True,True,False,0.020564,0.027194,SOA_2015_VBT,SOA_Scale_MP2023,1.044,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00475,1.0,False,,,,0.06,0.0729,False,normal_rate,4.85,0.8,False,False,False,False,False,0.965,26.6,25.6,standard_longevity,60.0,baseline,1.045,0.458,False,,False,,996593.07,41700.23,40131.79,41212.32,9787.93,False,0,1.37,18.13
LI-2024-INS004-001360,2024-09-16,1,25,26,1999,male,never_smoker,29.9,62,163,ND,USA,widowed,some_college,heavy_blue_collar,44950.59,0.6739,full_paramedical,122,76,217,46,4.72,123,4.7,False,76.3,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,0.64,,False,False,False,False,17,UW-262,0.8,term_life,250000,monthly,387.48,25.0,none,,,,False,none,bank,False,False,False,0.001229,0.000989,SOA_2015_VBT,SOA_Scale_MP2023,0.809,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.1,0.1161,False,normal_rate,1.33,1.28,True,False,False,False,False,0.83,70.0,55.0,super_preferred_longevity,100.0,baseline,0.995,0.791,False,,False,,250000.0,2841.55,2909.21,3099.84,736.21,False,0,6.77,22.08
LI-2024-INS004-001361,2013-05-17,12,54,66,1959,male,never_smoker,33.0,64,192,WY,USA,married,some_college,light_blue_collar,25091.04,0.3248,full_paramedical,153,97,219,38,5.76,97,6.5,False,85.8,1.05,False,False,False,False,False,none,,type_2,none,schizophrenia,13,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,35,UW-070,2.25,term_life,250000,quarterly,2802.46,30.0,none,,,,False,none,captive_agent,False,False,False,0.019025,0.080145,SOA_2015_VBT,SOA_Scale_MP2023,2.358,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023781,0.012,False,,1.0,False,,,,0.03,0.0432,False,normal_rate,4.64,2.35,False,False,False,False,False,0.987,34.1,22.1,standard_longevity,50.5,baseline,1.256,0.518,False,,False,,250000.0,23137.2,20588.47,22419.68,5324.67,False,0,3.74,-20.0
LI-2024-INS004-001362,2018-10-20,7,62,69,1956,female,former_smoker,18.6,61,98,IL,USA,single,some_college,light_blue_collar,20707.1,0.1505,full_paramedical,154,98,205,56,3.66,116,5.3,False,,,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-182,2.0,universal_life,1000000,monthly,10850.61,,10yr_declining,8244.98,,,True,excess_of_loss,independent_broker,False,False,False,0.024774,0.100275,SOA_2015_VBT,SOA_Scale_MP2023,2.197,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024774,0.012,False,,1.0,False,,,,0.06,0.0426,False,normal_rate,1.93,2.96,False,False,False,False,False,0.873,29.0,22.0,standard_longevity,47.8,baseline,1.387,0.17,False,,False,,991755.02,80437.1,85267.51,86804.88,20616.16,False,0,-2.44,-13.48
LI-2024-INS004-001363,2019-12-28,6,41,47,1978,male,former_smoker,18.4,65,110,AR,USA,married,bachelors,professional,36824.62,0.4803,full_paramedical,135,74,186,51,3.65,84,5.8,False,88.4,3.01,False,False,False,False,False,none,,none,none,none,10,False,True,False,False,False,preferred,,,False,False,False,False,23,UW-130,0.8,universal_life,2000000,monthly,6082.61,,10yr_declining,4414.45,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.005526,0.005083,SOA_2015_VBT,SOA_Scale_MP2023,0.807,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0497,False,normal_rate,3.46,2.93,False,False,False,False,False,0.864,51.1,45.1,super_preferred_longevity,87.4,baseline,1.14,0.515,False,,False,,1995585.55,46310.76,50018.85,48660.88,11556.96,False,0,4.37,27.7
LI-2024-INS004-001364,2000-10-19,25,79,104,1921,female,never_smoker,30.6,63,172,CA,USA,married,high_school,professional,44587.64,0.6996,limited_exam,163,97,186,48,3.88,116,,False,77.1,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-019,2.0,indexed_ul,500000,semi_annual,8288.31,,10yr_declining,13585.9,8572.7,0.631,False,none,bank,False,False,False,0.219535,0.693367,SOA_2015_VBT,SOA_Scale_MP2023,2.213,cancer,True,2024-08-11,False,False,910507.36,0.0007,5e-05,1.095,0.219535,0.012,False,,1.0,False,,,,0.04,0.0274,False,normal_rate,3.31,1.4,False,False,False,True,False,0.825,8.9,1.0,sub_standard_longevity,24.5,baseline,0.975,0.784,False,,False,,486414.1,3173.43,2947.3,3315.32,28346.02,False,0,4.22,-7.43
LI-2024-INS004-001365,2017-03-08,3,62,65,1955,female,never_smoker,28.5,69,193,AZ,USA,married,some_college,white_collar,121827.74,0.4615,full_paramedical,140,82,226,42,5.38,97,5.0,False,75.0,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-354,1.25,term_life,1000000,monthly,7427.51,15.0,none,,,,True,none,independent_broker,True,False,False,0.013298,0.025467,SOA_2015_VBT,SOA_Scale_MP2023,1.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003325,0.012,False,,1.0,False,,,,0.07,0.0932,False,normal_rate,1.4,2.34,False,False,False,False,True,0.935,30.1,27.1,preferred_longevity,60.1,baseline,1.154,0.565,False,,False,,1000000.0,58960.9,52049.94,59420.08,14112.27,False,0,4.36,19.65
LI-2024-INS004-001366,2010-02-19,11,76,87,1934,male,never_smoker,20.7,64,120,KS,USA,married,less_than_hs,professional,45418.48,0.7279,full_paramedical,137,95,218,45,4.84,108,,False,48.5,1.09,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-168,1.5,universal_life,100000,quarterly,1200.39,,15yr_declining,1127.64,,,False,none,bank,False,False,False,0.108092,0.225959,SOA_2015_VBT,SOA_Scale_MP2023,1.667,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054046,0.005,False,,1.0,False,,,,0.04,0.0201,False,normal_rate,2.47,1.79,True,False,False,False,False,0.825,9.4,1.0,sub_standard_longevity,24.9,baseline,0.954,0.793,False,,False,,98872.36,471.57,434.47,480.16,4105.33,False,0,2.62,6.14
LI-2024-INS004-001367,2005-08-07,2,21,23,1984,male,never_smoker,35.2,74,274,ND,USA,married,high_school,professional,38833.76,0.7984,full_paramedical,118,67,219,55,3.98,112,5.4,False,,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-262,1.25,term_life,250000,annual,524.53,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.001103,0.001668,SOA_2015_VBT,SOA_Scale_MP2023,1.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000276,0.02,False,,1.0,False,,,,0.07,0.0743,False,normal_rate,4.33,2.34,False,False,False,False,False,0.804,70.0,55.0,super_preferred_longevity,100.0,baseline,0.901,0.668,False,,False,,250000.0,4527.84,4132.8,4196.24,996.61,False,0,5.32,17.95
LI-2024-INS004-001368,2000-09-02,6,64,70,1936,male,never_smoker,28.9,67,184,HI,USA,divorced,high_school,hazardous,38611.27,0.4794,accelerated_UW,178,105,230,47,4.89,89,,False,54.5,2.69,False,False,False,False,True,prostate,1.5,none,none,none,1,False,False,True,False,True,standard,4.66,,True,True,False,True,41,UW-041,1.0,universal_life,500000,quarterly,3346.64,,10yr_declining,2495.31,,,False,none,independent_broker,False,False,False,0.025057,0.03109,SOA_2015_VBT,SOA_Scale_MP2023,1.088,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.06,0.0355,False,normal_rate,3.11,1.02,False,False,False,False,False,0.8,20.7,14.7,standard_longevity,41.7,baseline,1.14,0.365,False,,False,,497504.69,17863.02,20424.49,19678.24,7777.59,False,0,3.98,17.18
LI-2024-INS004-001369,2009-01-12,10,32,42,1977,female,never_smoker,23.5,60,120,SD,USA,divorced,graduate,heavy_blue_collar,84147.53,0.6245,simplified_issue,131,90,186,52,3.58,75,,False,74.0,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,0.95,1.0,False,False,False,False,24,UW-430,1.25,term_life,250000,semi_annual,1063.26,15.0,none,,,,False,none,independent_broker,False,False,False,0.002366,0.003825,SOA_2015_VBT,SOA_Scale_MP2023,1.325,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000591,0.018,False,,1.0,False,,,,0.05,0.06,False,normal_rate,1.66,0.96,False,False,False,True,False,0.933,64.5,63.2,super_preferred_longevity,100.0,baseline,1.032,0.751,True,79.0,False,,250000.0,9110.7,8423.17,8506.08,2020.19,False,0,2.08,16.5
LI-2024-INS004-001370,2013-04-25,9,78,87,1935,female,never_smoker,24.5,65,147,OK,USA,single,bachelors,professional,89257.11,0.5849,full_paramedical,140,84,190,65,2.92,108,5.4,False,,,False,False,False,False,False,none,,none,none,none,12,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-385,1.25,term_life,1000000,monthly,10337.84,15.0,none,,,,True,quota_share,independent_broker,False,False,False,0.086908,0.144218,SOA_2015_VBT,SOA_Scale_MP2023,1.328,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021727,0.005,False,,1.0,True,2025-09-09,voluntary_surrender,9.0,0.05,0.0616,False,normal_rate,0.0,2.01,False,False,False,False,False,0.92,11.0,2.2,sub_standard_longevity,24.6,baseline,1.061,0.546,True,63.5,False,,1000000.0,9319.09,7933.22,9097.3,34362.98,False,0,-0.79,11.44
LI-2024-INS004-001371,2009-07-12,2,39,41,1970,male,former_smoker,30.2,67,192,TN,USA,divorced,less_than_hs,professional,20000.0,0.7727,accelerated_UW,134,89,234,53,4.42,91,4.6,False,84.8,2.74,False,False,False,False,False,none,,none,none,anxiety,13,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,19,UW-481,1.25,annuity_immediate,250000,annual,1224.37,,none,,,,True,quota_share,independent_broker,False,False,False,0.00359,0.005243,SOA_2015_VBT,SOA_Scale_MP2023,1.315,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000897,0.018,False,,1.0,False,,,,0.005,0.0054,False,normal_rate,3.66,2.62,False,False,False,False,False,0.766,53.0,51.0,super_preferred_longevity,100.0,baseline,0.92,0.748,False,,False,,250000.0,10553.48,8958.55,9794.96,2326.3,False,0,1.45,10.63
LI-2024-INS004-001372,2018-04-06,5,42,47,1976,male,never_smoker,25.7,67,164,FL,USA,married,bachelors,professional,74560.81,0.8939,accelerated_UW,103,76,169,64,2.64,90,5.2,False,,2.88,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,preferred_plus,,,False,False,False,True,9,UW-090,0.64,whole_life,500000,annual,1260.61,,none,933.54,,,True,quota_share,independent_broker,True,False,False,0.004251,0.002074,SOA_2015_VBT,SOA_Scale_MP2023,0.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0394,False,normal_rate,5.1,1.55,False,False,False,False,False,0.828,51.4,46.4,super_preferred_longevity,95.5,baseline,0.83,0.879,False,,False,,499066.46,9999.6,9434.22,10084.88,2395.16,False,0,1.91,29.57
LI-2024-INS004-001373,2000-11-20,14,65,79,1935,female,never_smoker,26.5,58,126,OR,USA,single,graduate,professional,72747.7,0.7247,full_paramedical,129,84,240,39,6.15,95,4.9,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-084,2.25,term_life,1000000,annual,14107.87,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.043746,0.150878,SOA_2015_VBT,SOA_Scale_MP2023,2.299,cardiovascular,True,2010-01-13,False,False,831153.76,0.0007,5e-05,1.095,0.054683,0.005,False,,1.0,False,,,,0.03,0.0336,False,normal_rate,4.47,1.75,False,False,False,False,False,0.994,24.5,11.2,standard_longevity,40.2,baseline,0.956,0.781,True,53.9,False,,1000000.0,66548.41,56638.03,63203.26,36736.89,False,0,-0.87,-12.57
LI-2024-INS004-001374,2006-10-23,14,49,63,1957,female,never_smoker,31.3,63,176,KS,USA,married,some_college,professional,31347.26,0.3867,full_paramedical,124,83,253,44,5.75,112,,False,91.1,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-037,2.0,term_life,500000,monthly,5893.29,10.0,none,,,,False,none,captive_agent,False,False,False,0.011463,0.041616,SOA_2015_VBT,SOA_Scale_MP2023,2.174,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011463,0.012,False,,1.0,False,,,,0.03,0.0417,False,normal_rate,2.45,0.96,False,False,False,False,False,0.973,43.1,31.3,preferred_longevity,65.3,baseline,1.21,0.474,True,56.5,False,,500000.0,44647.05,47095.86,47146.32,11197.25,False,0,0.05,-3.9
LI-2024-INS004-001375,2000-11-08,21,27,48,1973,female,current_smoker,28.2,66,174,OH,USA,married,some_college,white_collar,59254.98,0.67,full_paramedical,127,73,228,39,5.85,102,,True,,,False,True,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,21,UW-466,2.5,universal_life,500000,quarterly,5309.26,,10yr_declining,7764.19,,,False,none,independent_broker,False,False,False,0.00734,0.030017,SOA_2015_VBT,SOA_Scale_MP2023,2.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01101,0.018,False,,1.0,False,,,,0.04,0.0466,False,normal_rate,3.17,1.61,False,False,False,False,False,0.916,69.1,48.1,super_preferred_longevity,94.7,baseline,0.997,0.571,False,,False,,492235.81,45518.63,40476.23,42474.08,10087.59,False,0,2.04,-11.86
LI-2024-INS004-001376,2000-12-09,23,63,86,1937,male,never_smoker,27.1,74,211,ME,USA,widowed,high_school,hazardous,98098.54,0.8102,full_paramedical,137,92,225,54,4.17,111,,False,66.9,4.86,True,False,True,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_1,4.28,1.0,True,False,False,False,39,UW-254,1.25,indexed_ul,2000000,annual,16777.01,,10yr_declining,26821.04,,,True,quota_share,independent_broker,False,False,False,0.100832,0.155045,SOA_2015_VBT,SOA_Scale_MP2023,1.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025208,0.005,False,,1.0,False,,,,0.04,0.0421,False,normal_rate,3.64,0.81,False,False,False,False,False,0.806,26.2,3.2,standard_longevity,39.5,baseline,0.892,0.763,False,,False,,1973178.96,22238.29,18558.46,21474.57,54424.62,False,0,-0.23,16.65
LI-2024-INS004-001377,2022-11-14,3,59,62,1963,female,former_smoker,20.6,64,119,NH,USA,single,some_college,light_blue_collar,60388.73,0.6906,full_paramedical,149,83,203,49,4.14,100,5.2,False,,,False,False,False,False,True,breast,0.3,none,none,none,0,False,False,False,False,True,standard,,,False,True,False,False,37,UW-044,1.0,universal_life,500000,semi_annual,2591.85,,15yr_declining,1819.67,,,True,facultative,captive_agent,False,False,False,0.014613,0.016409,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00081,1.0,False,,,,0.08,0.0413,False,normal_rate,3.47,1.71,False,False,False,False,False,0.949,35.4,32.4,preferred_longevity,71.5,baseline,0.982,0.449,False,,False,,498180.33,20325.47,21467.27,20734.8,4924.52,False,0,3.96,17.45
LI-2024-INS004-001378,2001-12-28,6,47,53,1954,male,never_smoker,21.7,67,138,OH,USA,married,bachelors,professional,132612.91,0.7547,limited_exam,110,59,196,46,4.26,103,5.4,False,,2.47,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred_plus,,,False,False,False,False,11,UW-073,0.66,term_life,1000000,monthly,2862.14,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.005966,0.003232,SOA_2015_VBT,SOA_Scale_MP2023,0.58,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0548,False,normal_rate,1.93,2.99,False,False,False,False,False,0.909,42.1,36.1,preferred_longevity,78.0,baseline,0.934,0.708,False,,False,,1000000.0,20657.22,22190.04,22897.12,5438.07,False,0,4.75,28.11
LI-2024-INS004-001379,2015-03-18,8,42,50,1973,male,former_smoker,26.4,72,194,AK,USA,married,high_school,light_blue_collar,176286.19,0.9375,full_paramedical,124,76,268,47,5.7,97,,False,100.0,1.04,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-134,1.25,group_life,1000000,annual,5685.02,,none,,,,True,none,independent_broker,False,False,False,0.006967,0.008865,SOA_2015_VBT,SOA_Scale_MP2023,1.283,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001742,0.018,False,,1.0,False,,,,0.12,0.114,False,normal_rate,4.12,1.64,False,False,False,False,False,0.964,51.1,43.1,super_preferred_longevity,91.2,baseline,0.797,0.931,False,,False,,1000000.0,47237.2,42874.54,45480.16,10801.54,False,0,3.28,17.28
LI-2024-INS004-001380,2023-07-24,2,28,30,1995,male,current_smoker,32.8,72,241,KS,USA,married,graduate,white_collar,128302.93,0.3844,full_paramedical,130,72,193,46,4.2,107,5.1,True,80.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,23,UW-307,1.0,term_life,1000000,monthly,2594.72,25.0,none,,,,True,none,independent_broker,False,False,False,0.00292,0.003818,SOA_2015_VBT,SOA_Scale_MP2023,1.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0975,False,normal_rate,3.44,2.04,False,False,False,False,False,0.753,66.5,55.9,super_preferred_longevity,100.0,baseline,1.212,0.311,True,38.7,False,,1000000.0,19278.88,20472.23,20757.76,4929.97,False,0,4.31,16.59
LI-2024-INS004-001381,2022-05-14,4,48,52,1974,female,never_smoker,24.4,61,129,PA,USA,married,bachelors,white_collar,112700.81,0.7794,non_med_guaranteed,97,65,191,75,2.55,88,,False,72.0,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-499,2.25,indexed_ul,100000,annual,1072.11,,10yr_declining,724.91,,,False,none,independent_broker,True,False,False,0.005027,0.019186,SOA_2015_VBT,SOA_Scale_MP2023,2.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006284,0.018,True,0.00185,1.0,False,,,,0.08,0.0388,False,normal_rate,5.47,1.09,False,False,False,False,False,0.836,48.7,44.7,super_preferred_longevity,91.2,baseline,0.915,0.718,False,,False,,99275.09,8432.19,7488.65,8576.88,2037.01,False,0,3.07,-9.44
LI-2024-INS004-001382,2023-05-19,4,79,83,1944,female,never_smoker,30.7,62,167,ND,USA,single,bachelors,professional,69801.62,0.7978,full_paramedical,131,89,238,49,4.86,73,,False,,,False,False,False,True,False,none,,none,none,schizophrenia,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,35,UW-234,2.5,term_life,250000,monthly,4759.29,25.0,none,,,,False,none,captive_agent,True,False,False,0.060694,0.23059,SOA_2015_VBT,SOA_Scale_MP2023,2.55,cancer,True,2025-11-13,False,False,502475.13,0.0007,5e-05,1.095,0.091041,0.008,False,,1.0,False,,,,0.07,0.0743,False,normal_rate,3.02,1.27,False,False,False,False,False,0.794,12.4,8.4,standard_longevity,37.1,baseline,0.902,0.604,False,,False,,250000.0,16211.27,15358.67,15991.21,13459.27,False,0,-1.85,-14.76
LI-2024-INS004-001383,2024-03-02,3,57,60,1967,female,never_smoker,36.7,60,187,CA,USA,single,graduate,heavy_blue_collar,325935.21,0.7311,full_paramedical,116,69,207,47,4.4,107,5.5,False,74.7,,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,substandard_table_1,0.52,1.0,False,False,False,False,29,UW-052,1.25,group_life,2000000,quarterly,12210.79,,none,,,,True,none,independent_broker,True,False,False,0.009766,0.015361,SOA_2015_VBT,SOA_Scale_MP2023,1.39,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002442,0.015,False,,1.0,False,,,,0.15,0.1673,False,normal_rate,3.44,2.09,False,False,False,False,False,0.759,38.2,35.8,preferred_longevity,77.2,baseline,0.952,0.726,False,,True,0.427,2000000.0,102118.78,91015.37,97686.32,23200.5,False,0,5.79,16.05
LI-2024-INS004-001384,2017-07-07,9,68,77,1949,female,former_smoker,28.8,59,142,MO,USA,single,some_college,light_blue_collar,111913.36,0.7744,non_med_guaranteed,137,91,240,52,4.62,101,5.3,False,75.0,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-361,2.25,whole_life,2000000,monthly,26581.26,,none,24087.66,,,True,excess_of_loss,independent_broker,False,False,False,0.048842,0.165702,SOA_2015_VBT,SOA_Scale_MP2023,2.331,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.061052,0.008,False,,1.0,False,,,,0.02,0.0216,False,normal_rate,3.9,2.13,False,False,False,False,False,0.867,24.1,15.1,standard_longevity,46.8,baseline,0.919,0.62,False,,False,,1975912.34,165216.27,149710.04,160550.81,60924.25,False,0,3.17,-15.13
LI-2024-INS004-001385,2018-07-23,4,47,51,1971,male,never_smoker,26.0,71,186,ND,USA,divorced,bachelors,white_collar,37090.13,0.6208,full_paramedical,111,58,251,40,6.28,71,5.1,False,84.1,1.57,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-444,1.5,group_life,500000,semi_annual,2868.72,,none,,,,True,none,employer_group,False,False,False,0.005801,0.012471,SOA_2015_VBT,SOA_Scale_MP2023,1.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0029,0.018,False,,1.0,False,,,,0.15,0.2166,False,normal_rate,1.42,0.81,True,False,False,False,False,0.996,44.6,40.6,super_preferred_longevity,82.7,baseline,1.034,0.584,False,,False,,500000.0,21753.18,22160.9,22949.76,5450.57,False,0,3.83,14.72
LI-2024-INS004-001386,2020-08-25,5,53,58,1967,male,never_smoker,26.3,71,188,ID,USA,married,some_college,professional,104662.78,0.6957,accelerated_UW,125,79,182,58,3.14,88,5.5,False,88.0,2.4,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,True,4,UW-312,0.85,universal_life,2000000,monthly,8762.81,,15yr_declining,6361.97,,,True,none,independent_broker,False,False,False,0.010307,0.010785,SOA_2015_VBT,SOA_Scale_MP2023,0.804,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00268,1.0,False,,,,0.08,0.0412,False,normal_rate,1.92,2.22,False,False,False,False,False,0.767,38.0,37.7,preferred_longevity,79.5,baseline,0.978,0.83,True,74.8,False,,1993638.03,73359.75,62587.92,70102.48,16649.34,False,0,4.5,26.45
LI-2024-INS004-001387,2024-03-01,3,72,75,1952,male,never_smoker,27.8,65,167,KS,USA,widowed,some_college,professional,25892.44,0.5073,non_med_guaranteed,127,76,183,47,3.89,103,5.3,False,75.5,1.27,False,False,True,False,False,none,,none,none,none,12,False,False,False,False,False,preferred_plus,,,False,False,False,False,7,UW-132,0.64,term_life,1000000,monthly,4311.28,30.0,none,,,,True,coinsurance,bank,False,False,False,0.038337,0.029228,SOA_2015_VBT,SOA_Scale_MP2023,0.681,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0906,False,normal_rate,3.71,1.46,False,False,False,False,False,0.757,18.8,15.8,standard_longevity,53.8,baseline,1.12,0.509,False,,False,,1000000.0,25329.74,27941.55,27247.29,9640.02,False,0,4.21,25.33
LI-2024-INS004-001388,2005-04-21,2,48,50,1957,female,former_smoker,30.7,68,201,NE,USA,single,bachelors,light_blue_collar,54126.02,0.8095,full_paramedical,122,83,234,37,6.32,103,5.0,False,76.8,,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,11,UW-342,1.0,universal_life,500000,monthly,2065.03,,15yr_declining,1309.67,,,False,none,independent_broker,False,False,False,0.005061,0.00497,SOA_2015_VBT,SOA_Scale_MP2023,1.1,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0379,False,normal_rate,1.72,0.55,False,False,False,False,False,0.94,45.7,43.7,super_preferred_longevity,90.2,baseline,0.893,0.733,False,,False,,498690.33,15336.45,16906.98,16520.24,3923.56,False,0,-0.65,21.58
LI-2024-INS004-001389,2014-12-24,1,79,80,1935,female,former_smoker,26.5,59,131,MT,USA,married,graduate,professional,44732.12,0.6878,full_paramedical,137,71,198,38,5.21,75,4.9,False,79.8,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-061,1.25,term_life,500000,quarterly,4382.55,20.0,none,,,,False,none,independent_broker,False,False,False,0.062026,0.104385,SOA_2015_VBT,SOA_Scale_MP2023,1.456,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015506,0.005,False,,1.0,False,,,,0.1,0.115,False,normal_rate,1.44,2.19,False,False,False,False,False,0.969,10.4,9.4,standard_longevity,36.9,baseline,0.984,0.617,False,,False,,500000.0,16726.67,14230.58,16478.39,12043.25,False,0,1.89,16.8
LI-2024-INS004-001390,2006-05-14,2,53,55,1953,male,former_smoker,29.7,72,219,CA,USA,single,bachelors,white_collar,36958.54,0.7546,full_paramedical,152,104,228,47,4.85,101,5.3,False,82.0,3.2,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-102,2.0,whole_life,500000,quarterly,4745.66,,none,3310.14,,,False,none,worksite,False,False,False,0.009026,0.026604,SOA_2015_VBT,SOA_Scale_MP2023,2.085,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009026,0.012,False,,1.0,True,2026-02-01,replacement,2.0,0.04,0.0439,False,normal_rate,2.78,0.77,False,False,True,False,False,0.943,35.9,33.9,preferred_longevity,74.7,baseline,0.934,0.889,False,,False,,496689.86,39640.59,36647.7,37965.28,9016.75,False,0,-1.26,-5.26
LI-2024-INS004-001391,2023-06-08,3,80,83,1943,male,never_smoker,26.0,60,133,MT,USA,married,graduate,white_collar,147227.22,0.8072,full_paramedical,147,85,171,42,4.07,95,,False,73.1,9.27,False,False,False,False,False,none,,none,none,schizophrenia,0,True,False,False,False,False,substandard_table_5,4.93,5.0,True,False,False,False,9,UW-204,2.25,term_life,1000000,monthly,16255.8,30.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.075261,0.246238,SOA_2015_VBT,SOA_Scale_MP2023,2.26,cancer,True,2023-07-26,True,True,53180.77,0.0007,5e-05,1.095,0.094076,0.008,False,,1.0,False,,,,0.07,0.0738,False,normal_rate,2.21,2.37,False,False,False,False,False,0.95,7.3,4.3,sub_standard_longevity,31.1,baseline,0.895,0.909,False,,False,,1000000.0,27499.56,26313.54,27959.98,51303.3,False,0,-0.1,-7.15
LI-2024-INS004-001392,2000-06-19,25,33,58,1967,non_binary,former_smoker,30.2,70,210,CO,USA,married,some_college,heavy_blue_collar,24287.45,0.7835,limited_exam,135,81,278,39,7.13,111,,False,68.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,0.81,,False,True,False,False,5,UW-295,1.0,whole_life,500000,semi_annual,2661.37,,none,4368.8,,,True,quota_share,bank,False,False,False,0.012059,0.012091,SOA_2015_VBT,SOA_Scale_MP2023,1.099,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.015,0.0161,False,normal_rate,4.11,1.84,False,False,False,False,False,0.782,58.4,33.4,preferred_longevity,74.4,baseline,0.912,0.796,False,,False,,495631.2,22116.96,21987.15,21290.96,5056.6,False,0,4.48,22.0
LI-2024-INS004-001393,2024-04-23,2,63,65,1961,male,never_smoker,23.3,76,191,UT,USA,married,graduate,professional,20000.0,0.6061,limited_exam,126,72,206,53,3.89,105,,False,,1.63,False,False,False,False,False,none,,none,none,none,1,False,True,False,True,True,preferred_plus,,,False,False,False,False,30,UW-134,0.61,term_life,1000000,monthly,3763.29,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.017656,0.010632,SOA_2015_VBT,SOA_Scale_MP2023,0.576,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.0851,False,normal_rate,6.39,2.13,False,False,False,False,False,0.918,26.8,24.8,standard_longevity,58.8,baseline,1.045,0.666,False,,False,,1000000.0,32044.48,29914.58,30106.32,7150.25,False,0,4.12,32.41
LI-2024-INS004-001394,2020-02-14,2,59,61,1961,male,former_smoker,31.7,76,260,WI,USA,divorced,high_school,white_collar,20000.0,0.8532,accelerated_UW,128,82,229,48,4.77,77,,False,80.7,5.56,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,17,UW-419,1.25,term_life,2000000,semi_annual,13834.01,10.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.016269,0.026692,SOA_2015_VBT,SOA_Scale_MP2023,1.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004067,0.015,True,0.0019,1.0,False,,,,0.07,0.0712,False,normal_rate,4.59,2.99,False,False,False,False,False,0.938,31.8,29.8,preferred_longevity,70.0,baseline,0.86,0.926,False,,False,,2000000.0,119824.84,106061.44,110672.08,26284.62,False,0,3.01,20.61
LI-2024-INS004-001395,2002-04-05,22,24,46,1978,female,current_smoker,29.0,70,201,AZ,USA,married,bachelors,white_collar,20000.0,0.3732,full_paramedical,125,90,205,63,3.25,104,5.4,True,76.1,,False,False,False,False,False,none,,none,severe_gold_3,none,4,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,4,UW-329,3.25,indexed_ul,250000,annual,3586.21,,15yr_declining,5326.69,,,False,none,captive_agent,False,False,False,0.006309,0.044548,SOA_2015_VBT,SOA_Scale_MP2023,3.943,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014196,0.018,False,,1.0,False,,,,0.04,0.0561,False,normal_rate,1.57,1.71,False,False,False,False,False,0.961,70.0,48.0,super_preferred_longevity,90.1,baseline,1.22,0.269,False,,False,,244673.31,29384.34,24818.78,28689.68,6813.8,False,0,0.91,-20.0
LI-2024-INS004-001396,2013-05-26,10,73,83,1940,male,current_smoker,21.3,76,174,GA,USA,married,bachelors,light_blue_collar,71798.05,0.4844,full_paramedical,136,88,210,46,4.57,90,4.4,True,61.8,9.23,False,False,False,False,True,other,3.3,none,none,substance_use_disorder,2,False,False,False,False,True,standard,,,False,True,False,False,43,UW-130,1.0,term_life,500000,monthly,3547.65,20.0,none,,,,False,none,bank,False,False,False,0.146938,0.175208,SOA_2015_VBT,SOA_Scale_MP2023,1.049,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0656,False,normal_rate,1.37,1.52,True,False,False,False,False,0.797,12.6,2.6,sub_standard_longevity,23.7,baseline,1.137,0.617,False,,False,,500000.0,3583.63,3602.84,3689.56,11678.86,False,0,2.44,17.57
LI-2024-INS004-001397,2010-12-09,7,44,51,1966,male,current_smoker,32.7,64,190,UT,USA,married,less_than_hs,professional,43323.06,0.8086,limited_exam,132,83,239,44,5.43,92,5.1,True,56.9,2.48,False,False,False,False,False,none,,none,mild_gold_1,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-320,2.0,term_life,500000,annual,3919.59,15.0,none,,,,False,none,bank,False,False,False,0.011602,0.033144,SOA_2015_VBT,SOA_Scale_MP2023,2.078,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011602,0.015,False,,1.0,True,2025-09-06,voluntary_surrender,7.0,0.05,0.0527,False,normal_rate,2.05,0.78,False,False,False,False,False,0.907,47.3,40.3,super_preferred_longevity,85.1,baseline,0.894,1.0,False,,False,,500000.0,28692.77,28274.68,31356.72,7447.22,False,0,0.76,-0.99
LI-2024-INS004-001398,2010-10-12,13,62,75,1948,male,never_smoker,24.8,74,193,MD,USA,single,some_college,white_collar,75904.3,0.5779,full_paramedical,136,70,183,58,3.16,87,,False,68.8,10.64,False,False,True,False,True,lymphoma,0.2,none,none,anxiety,2,False,False,False,False,True,declined,,,False,False,True,False,52,UW-093,7.0,term_life,500000,monthly,24902.82,20.0,none,,,,True,quota_share,bank,False,False,False,0.039127,0.490078,SOA_2015_VBT,SOA_Scale_MP2023,6.118,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.234762,0.008,False,,1.0,False,,,,0.03,0.0371,False,normal_rate,3.13,1.06,False,False,False,False,False,0.775,28.2,15.2,standard_longevity,54.0,baseline,1.067,0.55,False,,False,,500000.0,157750.17,146673.81,151409.15,56878.04,False,0,-5.0,-20.0
LI-2024-INS004-001399,2000-06-11,9,68,77,1932,female,never_smoker,21.7,69,147,WI,USA,married,some_college,heavy_blue_collar,45859.68,0.4905,simplified_issue,134,84,187,62,3.02,95,,False,71.0,,False,False,False,False,False,none,,none,none,none,6,False,False,True,False,True,standard,0.91,,False,False,False,False,58,UW-063,1.08,term_life,500000,annual,3448.54,25.0,none,,,,False,none,independent_broker,False,False,False,0.036209,0.046145,SOA_2015_VBT,SOA_Scale_MP2023,1.055,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002897,0.005,False,,1.0,False,,,,0.05,0.0654,False,normal_rate,5.18,2.96,False,False,False,False,False,0.983,20.2,11.2,standard_longevity,36.7,baseline,1.132,0.559,False,,False,,500000.0,15188.26,14700.79,15449.46,8980.0,False,0,0.15,18.53
LI-2024-INS004-001400,2008-04-06,17,71,88,1937,male,unknown,24.2,75,193,WI,USA,married,some_college,professional,45814.83,0.1606,full_paramedical,127,79,261,50,5.22,87,4.5,False,79.6,9.1,False,False,True,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-427,1.25,term_life,500000,quarterly,4911.47,10.0,none,,,,False,none,employer_group,False,False,False,0.137257,0.303763,SOA_2015_VBT,SOA_Scale_MP2023,1.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034314,0.005,False,,1.0,False,,,,0.03,0.0566,False,normal_rate,4.12,1.16,False,False,False,False,False,0.908,15.6,1.0,sub_standard_longevity,26.4,baseline,1.38,0.228,False,,False,,500000.0,1874.38,1859.66,1964.59,16797.23,False,0,2.58,15.45
LI-2024-INS004-001401,2006-03-18,10,58,68,1948,male,former_smoker,37.0,76,303,KS,USA,single,bachelors,light_blue_collar,52918.19,0.7691,full_paramedical,166,106,228,31,7.35,108,4.9,False,81.3,6.14,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-324,2.0,universal_life,2000000,quarterly,20961.71,,10yr_declining,19031.07,,,True,none,captive_agent,False,False,False,0.027603,0.08086,SOA_2015_VBT,SOA_Scale_MP2023,2.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027603,0.008,False,,1.0,False,,,,0.06,0.0293,False,normal_rate,4.16,0.74,False,False,False,False,False,0.932,32.9,26.2,preferred_longevity,73.3,baseline,0.923,0.542,True,75.4,False,,1980968.93,174071.41,171626.13,167693.68,39827.25,False,0,3.18,-3.52
LI-2024-INS004-001402,2019-07-26,8,63,71,1956,female,never_smoker,37.4,62,204,TX,USA,married,graduate,white_collar,20000.0,0.5788,accelerated_UW,145,87,218,49,4.45,98,5.1,False,84.2,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,10,UW-017,1.5,whole_life,500000,monthly,4064.43,,none,3488.3,,,True,facultative,independent_broker,True,False,False,0.022692,0.050386,SOA_2015_VBT,SOA_Scale_MP2023,1.614,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011346,0.012,False,,1.0,False,,,,0.02,0.0247,False,normal_rate,3.65,2.46,False,False,False,False,False,0.844,29.7,21.7,standard_longevity,53.7,baseline,1.066,0.585,False,,False,,496511.7,35347.34,32929.9,32515.44,7722.42,False,0,4.16,12.12
LI-2024-INS004-001403,2004-02-09,19,64,83,1940,female,former_smoker,32.5,69,220,ID,USA,married,bachelors,professional,41978.57,0.7783,limited_exam,145,91,271,42,6.45,84,4.8,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-029,1.5,indexed_ul,100000,annual,1090.44,,15yr_declining,1424.51,,,True,excess_of_loss,captive_agent,False,False,False,0.076408,0.159672,SOA_2015_VBT,SOA_Scale_MP2023,1.735,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038204,0.008,False,,1.0,False,,,,0.04,0.0431,False,normal_rate,5.43,2.03,False,False,False,False,False,0.93,26.8,7.8,standard_longevity,35.9,baseline,0.916,0.692,False,,False,,98575.49,3567.72,3112.68,3402.17,3136.11,False,0,2.1,14.63
LI-2024-INS004-001404,2015-04-01,10,67,77,1948,female,never_smoker,32.9,65,197,IL,USA,married,high_school,professional,90301.55,0.348,full_paramedical,143,80,253,32,7.91,99,5.2,False,65.7,,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,58,UW-267,2.0,annuity_deferred,500000,quarterly,5835.34,,none,5338.83,,,False,none,captive_agent,False,False,False,0.03727,0.136828,SOA_2015_VBT,SOA_Scale_MP2023,2.156,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03727,0.008,False,,1.0,False,,,,0.02,0.0284,False,normal_rate,5.92,1.7,False,False,False,False,False,0.756,23.2,13.7,standard_longevity,38.3,baseline,1.239,0.482,True,45.3,False,,494661.17,29677.34,29084.52,31977.66,14028.16,False,0,1.31,-7.9
LI-2024-INS004-001405,2014-07-24,11,60,71,1954,female,never_smoker,26.4,71,189,SD,USA,single,less_than_hs,light_blue_collar,30451.25,0.5619,full_paramedical,135,68,207,63,3.29,97,4.7,False,53.2,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-028,2.25,whole_life,250000,semi_annual,3330.51,,none,3281.19,,,True,excess_of_loss,captive_agent,False,False,False,0.022151,0.08307,SOA_2015_VBT,SOA_Scale_MP2023,2.318,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027689,0.012,False,,1.0,False,,,,0.015,0.0188,False,normal_rate,5.28,2.09,False,False,False,False,False,0.864,32.3,23.8,standard_longevity,56.6,baseline,1.079,0.529,True,67.8,False,,246718.81,25529.84,27130.65,26644.08,6327.97,False,0,1.89,-7.77
LI-2024-INS004-001406,2001-05-23,11,74,85,1927,female,never_smoker,29.3,58,140,WV,USA,single,graduate,white_collar,71714.6,0.8821,simplified_issue,144,81,226,67,3.37,109,5.0,False,67.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,19,UW-362,1.25,universal_life,500000,monthly,4704.35,,10yr_declining,4328.51,,,False,none,employer_group,False,False,False,0.053888,0.076499,SOA_2015_VBT,SOA_Scale_MP2023,1.395,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013472,0.012,False,,1.0,False,,,,0.04,0.1904,True,normal_rate,3.25,1.59,False,False,False,False,False,0.931,15.5,4.5,sub_standard_longevity,32.5,baseline,0.838,0.873,False,,False,,495671.49,9139.32,8711.93,8467.83,14771.66,False,0,5.52,20.47
LI-2024-INS004-001407,2011-08-06,5,47,52,1964,female,former_smoker,24.6,59,121,NC,USA,married,high_school,light_blue_collar,103836.46,0.198,limited_exam,123,70,172,27,6.37,90,,False,89.6,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-045,1.5,indexed_ul,500000,annual,3524.45,,15yr_declining,2743.63,,,True,facultative,bank,False,False,False,0.006438,0.017279,SOA_2015_VBT,SOA_Scale_MP2023,1.616,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003219,0.015,False,,1.0,False,,,,0.08,0.0777,False,normal_rate,2.13,2.74,False,False,False,False,False,0.952,45.6,44.6,super_preferred_longevity,82.4,baseline,1.351,0.185,True,63.2,False,,497256.37,26319.55,26492.17,28195.6,6696.45,False,0,1.28,0.05
LI-2024-INS004-001408,2000-02-07,10,66,76,1934,male,current_smoker,20.7,61,109,NV,USA,married,high_school,heavy_blue_collar,43260.95,0.368,full_paramedical,119,79,185,50,3.7,99,5.5,True,63.9,8.22,False,False,False,False,True,colorectal,9.7,none,none,schizophrenia,12,False,False,False,False,True,substandard_table_7,0.59,7.0,False,False,False,False,37,UW-316,2.75,annuity_deferred,1000000,semi_annual,19154.81,,none,18009.53,,,True,excess_of_loss,worksite,False,False,False,0.083799,0.434664,SOA_2015_VBT,SOA_Scale_MP2023,2.808,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.146648,0.005,False,,1.0,False,,,,0.02,0.0281,False,normal_rate,2.37,2.96,False,False,False,False,False,0.879,18.0,8.0,sub_standard_longevity,30.0,baseline,1.224,0.416,False,,False,,981990.47,62962.86,60396.35,61295.39,54782.76,False,0,-2.77,-20.0
LI-2024-INS004-001409,2022-03-16,2,21,23,2001,male,former_smoker,25.1,69,170,SC,USA,single,some_college,light_blue_collar,343112.7,0.9354,full_paramedical,133,82,210,60,3.5,77,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-403,2.25,indexed_ul,1000000,quarterly,4863.35,,10yr_declining,3239.73,,,True,facultative,employer_group,False,False,False,0.001433,0.006116,SOA_2015_VBT,SOA_Scale_MP2023,2.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001792,0.012,True,0.00165,1.0,False,,,,0.08,0.0411,False,normal_rate,2.7,2.91,False,False,False,False,False,0.846,70.0,55.0,super_preferred_longevity,100.0,baseline,0.798,0.908,False,,False,,996760.27,38783.07,37863.79,38906.8,9240.37,False,0,-0.29,-8.78
LI-2024-INS004-001410,2007-08-04,3,80,83,1927,female,never_smoker,33.3,71,238,OK,USA,married,high_school,white_collar,47253.78,0.2502,full_paramedical,151,100,248,36,6.89,94,4.3,False,65.9,,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-162,2.25,term_life,250000,annual,4084.57,20.0,none,,,,False,none,independent_broker,False,False,False,0.045411,0.201403,SOA_2015_VBT,SOA_Scale_MP2023,2.427,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.056764,0.012,False,,1.0,False,,,,0.07,0.147,False,normal_rate,4.28,1.62,False,False,False,False,False,0.787,7.0,3.7,sub_standard_longevity,21.8,baseline,1.312,0.474,True,40.0,True,-0.252,250000.0,5782.02,6314.55,6045.16,13086.96,False,0,-2.41,-19.53
LI-2024-INS004-001411,2019-03-07,8,79,87,1940,female,former_smoker,20.1,60,102,OR,USA,married,bachelors,white_collar,123620.63,0.3629,full_paramedical,133,85,202,54,3.74,92,,False,76.9,,False,False,False,False,True,colorectal,3.6,none,none,none,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,34,UW-190,2.0,whole_life,1000000,annual,14799.04,,none,11746.92,,,True,none,independent_broker,False,True,False,0.107424,0.372143,SOA_2015_VBT,SOA_Scale_MP2023,2.007,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.107424,0.008,False,,1.0,False,,,,0.02,0.0282,False,normal_rate,2.55,2.49,False,False,False,False,False,0.964,10.1,3.5,sub_standard_longevity,23.2,baseline,1.228,0.383,False,,True,0.928,988253.08,21939.49,20649.85,20718.66,47652.91,False,0,0.37,-7.02
LI-2024-INS004-001412,2017-01-01,7,75,82,1942,female,current_smoker,30.8,67,196,NY,USA,married,bachelors,heavy_blue_collar,118484.03,0.2718,full_paramedical,128,84,181,34,5.32,93,5.3,True,61.9,,False,True,True,False,True,lung,0.6,none,mild_gold_1,substance_use_disorder,0,False,False,False,False,True,declined,,,False,False,True,False,31,UW-016,7.0,term_life,500000,quarterly,22035.31,15.0,none,,,,False,none,captive_agent,True,False,False,0.109604,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,6.183,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.008,False,,1.0,True,2025-11-18,voluntary_surrender,7.0,0.05,0.0741,False,normal_rate,2.8,2.85,False,False,False,False,False,0.977,17.0,11.8,standard_longevity,44.3,baseline,1.296,0.34,True,84.7,False,,500000.0,113215.65,100447.97,104006.66,56322.25,False,0,-4.31,-20.0
LI-2024-INS004-001413,2001-11-11,6,77,83,1924,female,former_smoker,30.7,60,157,MN,USA,married,high_school,professional,27579.56,0.5584,full_paramedical,143,86,273,55,4.96,90,5.4,False,83.7,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-355,1.25,term_life,500000,monthly,3903.18,10.0,none,,,,False,none,captive_agent,False,False,False,0.056935,0.105217,SOA_2015_VBT,SOA_Scale_MP2023,1.478,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014234,0.012,False,,1.0,False,,,,0.05,0.0627,False,normal_rate,1.83,2.87,False,False,False,False,False,0.775,10.8,4.8,sub_standard_longevity,28.1,baseline,1.081,0.505,False,,False,,500000.0,7651.61,7450.61,7494.11,12162.31,False,0,3.76,13.95
LI-2024-INS004-001414,2000-12-15,21,76,97,1924,female,never_smoker,25.9,69,175,NY,USA,married,some_college,heavy_blue_collar,196202.11,0.6053,full_paramedical,152,106,220,43,5.12,85,4.8,False,63.0,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_4,1.26,4.0,False,False,False,False,9,UW-102,2.0,universal_life,500000,semi_annual,7178.41,,10yr_declining,10287.51,,,True,none,direct_to_consumer,False,False,False,0.138285,0.45232,SOA_2015_VBT,SOA_Scale_MP2023,2.171,other,True,2021-02-08,False,False,795402.51,0.0007,5e-05,1.095,0.138285,0.012,False,,1.0,False,,,,0.04,0.0681,False,normal_rate,3.86,2.43,False,False,False,False,False,0.989,12.0,1.0,sub_standard_longevity,23.1,baseline,1.046,0.58,False,,False,,489712.49,2974.98,2699.65,2871.36,24550.16,False,0,4.31,1.08
LI-2024-INS004-001415,2013-03-12,14,74,88,1939,male,never_smoker,28.0,64,162,AL,USA,single,bachelors,light_blue_collar,26596.8,0.944,full_paramedical,167,99,200,61,3.28,109,,False,,13.83,True,False,False,False,False,none,,none,none,substance_use_disorder,16,False,False,False,False,False,standard,,,False,True,False,False,3,UW-399,1.0,term_life,250000,monthly,1955.1,20.0,none,,,,False,none,independent_broker,False,False,False,0.120556,0.104074,SOA_2015_VBT,SOA_Scale_MP2023,1.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0283,False,normal_rate,5.3,2.8,False,False,False,False,False,0.773,13.0,1.0,sub_standard_longevity,28.2,baseline,0.792,0.863,False,,False,,250000.0,809.3,746.68,782.04,6686.44,False,0,2.73,25.43
LI-2024-INS004-001416,2014-02-07,1,74,75,1940,male,former_smoker,26.7,64,155,ME,USA,married,bachelors,light_blue_collar,24954.48,0.3148,full_paramedical,133,84,260,36,7.22,86,,False,74.7,6.6,False,True,True,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-098,1.5,term_life,250000,semi_annual,2026.18,15.0,none,,,,False,none,captive_agent,False,False,False,0.047699,0.119285,SOA_2015_VBT,SOA_Scale_MP2023,1.583,cardiovascular,True,2014-09-27,True,True,376492.42,0.0007,5e-05,1.095,0.02385,0.008,False,,1.0,False,,,,0.1,0.1448,False,normal_rate,4.82,0.71,False,True,False,False,False,0.81,13.9,12.9,standard_longevity,46.6,baseline,1.264,0.328,False,,False,,250000.0,10743.22,9131.62,10455.09,5000.61,False,0,2.25,8.36
LI-2024-INS004-001417,2015-05-10,8,32,40,1983,female,never_smoker,35.2,61,186,SC,USA,married,graduate,hazardous,27719.64,0.7695,accelerated_UW,152,96,196,45,4.36,72,6.1,False,99.7,,False,False,False,False,False,none,,pre_diabetes,none,none,0,False,False,False,False,True,substandard_table_2,3.08,2.0,True,False,False,True,25,UW-447,1.5,term_life,5000000,monthly,24429.39,20.0,none,,,,True,none,captive_agent,False,False,False,0.002066,0.00417,SOA_2015_VBT,SOA_Scale_MP2023,1.645,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001033,0.02,False,,1.0,False,,,,0.05,0.0542,False,normal_rate,3.73,1.9,False,False,False,False,False,0.98,66.1,55.0,super_preferred_longevity,100.0,baseline,0.923,0.684,False,,False,,5000000.0,203655.9,174020.58,195435.12,46415.84,False,0,3.41,5.02
LI-2024-INS004-001418,2003-09-19,6,34,40,1969,female,never_smoker,33.1,70,230,SD,USA,married,bachelors,white_collar,46247.74,0.4874,full_paramedical,118,68,291,44,6.61,123,5.9,False,87.8,,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-048,2.0,indexed_ul,500000,quarterly,3424.73,,10yr_declining,2631.63,,,True,facultative,captive_agent,False,False,False,0.002066,0.007164,SOA_2015_VBT,SOA_Scale_MP2023,2.175,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002066,0.015,False,,1.0,False,,,,0.06,0.0354,False,normal_rate,3.94,0.6,False,False,False,False,False,0.963,60.5,54.5,super_preferred_longevity,100.0,baseline,1.134,0.655,False,,False,,497368.37,25560.32,24557.94,27397.84,6506.99,False,0,2.97,5.77
LI-2024-INS004-001419,2019-05-01,2,26,28,1993,male,never_smoker,22.0,61,116,OK,USA,single,some_college,heavy_blue_collar,273531.55,0.6429,limited_exam,136,87,206,53,3.89,66,,False,86.1,,False,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,1.31,1.0,False,False,False,False,24,UW-177,1.25,indexed_ul,5000000,semi_annual,13154.81,,15yr_declining,8342.45,,,True,excess_of_loss,employer_group,False,False,False,0.001334,0.002108,SOA_2015_VBT,SOA_Scale_MP2023,1.307,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000333,0.022,False,,1.0,False,,,,0.08,0.0512,False,normal_rate,4.35,1.2,False,False,False,False,False,0.823,70.0,65.6,super_preferred_longevity,100.0,baseline,1.018,0.728,True,87.4,False,,4991657.55,109582.11,95492.65,105238.48,24994.14,False,0,3.63,18.68
LI-2024-INS004-001420,2023-11-01,4,45,49,1978,male,never_smoker,27.7,62,151,MO,USA,single,bachelors,light_blue_collar,84049.0,0.7791,non_med_guaranteed,143,90,135,59,2.29,74,5.5,False,96.3,2.36,False,True,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-289,1.25,universal_life,1000000,annual,5159.55,,10yr_declining,3524.26,,,True,facultative,independent_broker,True,False,False,0.004956,0.007769,SOA_2015_VBT,SOA_Scale_MP2023,1.439,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001239,0.018,False,,1.0,False,,,,0.08,0.0388,False,normal_rate,4.68,1.32,False,False,False,False,False,0.998,48.3,44.3,super_preferred_longevity,90.6,baseline,0.916,0.823,False,,False,,996475.74,45106.14,40026.1,41276.4,9803.14,False,0,0.23,17.56
LI-2024-INS004-001421,2001-07-25,3,57,60,1944,male,never_smoker,37.1,63,209,HI,USA,married,bachelors,white_collar,169022.33,0.6918,limited_exam,130,74,224,38,5.89,94,4.8,False,72.3,1.47,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-329,2.25,universal_life,500000,quarterly,5815.39,,15yr_declining,4188.1,,,True,quota_share,bank,False,False,False,0.010313,0.037064,SOA_2015_VBT,SOA_Scale_MP2023,2.389,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012891,0.008,False,,1.0,False,,,,0.08,0.0413,False,normal_rate,4.92,2.33,True,False,False,False,False,0.861,30.0,30.0,preferred_longevity,67.9,baseline,0.981,0.537,True,67.1,False,,495811.9,49672.83,41979.82,46523.12,11049.24,False,0,2.04,-9.59
LI-2024-INS004-001422,2022-07-25,4,67,71,1955,female,never_smoker,30.3,64,176,DE,USA,single,high_school,light_blue_collar,53449.82,0.3606,full_paramedical,149,87,194,44,4.41,91,4.8,False,84.2,,False,False,False,False,False,none,,none,none,schizophrenia,7,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-455,2.25,term_life,1000000,annual,14739.55,15.0,none,,,,True,none,captive_agent,False,False,False,0.02242,0.092184,SOA_2015_VBT,SOA_Scale_MP2023,2.327,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028025,0.012,True,1e-05,1.0,False,,,,0.07,0.0988,False,normal_rate,3.09,1.1,False,False,False,False,False,0.787,24.7,20.7,standard_longevity,49.0,baseline,1.23,0.525,False,,False,,1000000.0,108054.22,108518.28,117916.4,28005.14,False,0,0.53,-17.11
LI-2024-INS004-001423,2008-06-24,4,67,71,1941,male,never_smoker,27.5,64,160,AR,USA,married,bachelors,white_collar,70114.69,0.7397,simplified_issue,138,82,213,39,5.46,108,5.3,False,69.4,3.88,False,False,False,False,True,prostate,0.6,none,none,anxiety,4,False,False,False,False,True,standard,,,False,True,False,False,28,UW-297,1.0,term_life,500000,monthly,3290.19,20.0,none,,,,True,none,independent_broker,True,False,False,0.026077,0.027089,SOA_2015_VBT,SOA_Scale_MP2023,1.099,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0776,False,normal_rate,3.49,1.23,False,False,False,False,False,0.968,19.7,16.2,standard_longevity,47.9,baseline,0.945,0.713,True,43.5,False,,500000.0,21930.64,19122.53,21320.43,7251.58,False,0,6.71,20.52
LI-2024-INS004-001424,2009-03-06,10,32,42,1977,male,never_smoker,23.1,74,179,VA,USA,widowed,high_school,white_collar,20000.0,0.8803,simplified_issue,127,86,142,40,3.55,91,5.0,False,,2.37,False,True,False,False,True,prostate,9.9,none,none,bipolar,3,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,39,UW-465,2.0,term_life,500000,semi_annual,3930.63,10.0,none,,,,False,none,captive_agent,False,False,False,0.002957,0.008273,SOA_2015_VBT,SOA_Scale_MP2023,2.141,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.018,False,,1.0,False,,,,0.05,0.0498,False,normal_rate,3.05,2.57,False,False,False,False,False,0.851,61.5,51.5,super_preferred_longevity,100.0,baseline,0.84,0.879,False,,False,,500000.0,30470.38,30831.61,31445.04,7468.2,False,0,-1.07,2.2
LI-2024-INS004-001425,2002-06-14,14,33,47,1969,female,unknown,27.5,62,150,MO,USA,married,some_college,hazardous,29746.76,0.7691,limited_exam,131,77,190,36,5.28,95,,False,91.7,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,4.01,5.0,True,False,False,False,28,UW-035,2.25,whole_life,2000000,annual,17614.21,,none,18479.06,,,True,none,direct_to_consumer,False,False,False,0.003911,0.013517,SOA_2015_VBT,SOA_Scale_MP2023,2.39,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004888,0.015,False,,1.0,False,,,,0.015,0.0228,False,normal_rate,5.73,0.79,False,False,False,False,False,0.827,62.6,48.6,super_preferred_longevity,96.9,baseline,0.923,0.693,False,,False,,1981520.94,147134.46,127834.47,140913.68,33467.0,False,0,0.05,-8.71
LI-2024-INS004-001426,2016-04-26,11,54,65,1962,female,never_smoker,33.9,71,242,RI,USA,married,less_than_hs,white_collar,29822.92,0.7721,full_paramedical,128,81,241,43,5.6,100,6.5,False,,,True,False,False,False,False,none,,type_2,none,none,3,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,19,UW-360,1.5,universal_life,500000,monthly,4008.04,,15yr_declining,3975.84,,,False,none,independent_broker,False,False,False,0.01434,0.027005,SOA_2015_VBT,SOA_Scale_MP2023,1.502,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00717,0.015,False,,1.0,False,,,,0.04,0.0195,False,normal_rate,2.79,1.04,False,False,False,False,False,0.827,40.6,29.6,preferred_longevity,68.5,baseline,0.921,0.903,False,,False,,496024.16,33097.03,27940.04,32064.32,7615.28,False,0,1.56,9.34
LI-2024-INS004-001427,2009-05-03,17,33,50,1976,female,former_smoker,21.2,63,119,ID,USA,married,bachelors,white_collar,27629.74,0.4627,limited_exam,124,75,197,45,4.38,93,,False,,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,22,UW-324,0.76,universal_life,1000000,monthly,2761.48,,10yr_declining,3462.05,,,True,none,independent_broker,False,False,False,0.005574,0.005026,SOA_2015_VBT,SOA_Scale_MP2023,0.782,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0532,False,normal_rate,3.75,2.85,False,False,False,False,False,0.762,62.7,45.7,super_preferred_longevity,88.0,baseline,1.153,0.444,False,,False,,996537.95,20134.0,19581.03,22091.84,5246.81,False,0,4.47,31.14
LI-2024-INS004-001428,2003-02-09,24,56,80,1947,female,never_smoker,31.2,68,204,MN,USA,divorced,bachelors,white_collar,20000.0,0.3635,accelerated_UW,147,96,214,41,5.22,98,5.4,False,63.1,,False,False,True,False,False,none,,none,none,anxiety,11,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,True,10,UW-459,1.5,term_life,1000000,monthly,10834.07,30.0,none,,,,True,none,captive_agent,False,False,False,0.04799,0.118649,SOA_2015_VBT,SOA_Scale_MP2023,1.607,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023995,0.008,False,,1.0,False,,,,0.03,0.0423,False,normal_rate,4.52,2.2,False,False,False,False,False,0.913,37.1,13.5,standard_longevity,48.2,baseline,1.227,0.414,True,42.7,False,,1000000.0,61481.29,53437.3,58503.98,26218.45,False,0,-0.45,3.58
LI-2024-INS004-001429,2017-11-27,8,52,60,1965,male,never_smoker,17.6,72,129,WY,USA,divorced,some_college,white_collar,112560.48,0.3547,full_paramedical,146,91,221,61,3.62,82,5.2,False,97.5,5.77,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,True,False,False,False,standard,,,False,True,False,False,9,UW-067,1.0,universal_life,500000,monthly,2565.62,,10yr_declining,2191.53,,,False,none,direct_to_consumer,False,False,False,0.012208,0.016119,SOA_2015_VBT,SOA_Scale_MP2023,1.07,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0535,False,normal_rate,2.17,0.55,False,False,False,False,False,0.881,37.4,29.4,preferred_longevity,61.9,baseline,1.234,0.473,False,,False,,497808.47,19942.17,17456.1,20524.96,4874.68,False,0,1.67,18.55
LI-2024-INS004-001430,2023-05-21,3,21,24,2002,male,never_smoker,26.0,60,133,IN,USA,single,graduate,professional,20000.0,0.7039,full_paramedical,111,61,227,45,5.04,72,,False,118.5,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-227,1.25,annuity_deferred,500000,monthly,1397.97,,none,959.06,,,True,facultative,direct_to_consumer,False,False,False,0.001141,0.001924,SOA_2015_VBT,SOA_Scale_MP2023,1.478,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000285,0.012,False,,1.0,False,,,,0.04,0.0637,False,normal_rate,4.61,2.91,False,False,False,False,False,0.919,70.0,55.0,super_preferred_longevity,100.0,baseline,0.972,0.668,False,,False,,499040.94,11890.87,9840.46,11183.76,2656.14,False,0,1.44,15.22
LI-2024-INS004-001431,2013-10-07,11,66,77,1947,male,never_smoker,29.0,65,174,PA,USA,single,bachelors,white_collar,355454.69,0.5932,full_paramedical,134,87,220,67,3.28,97,5.0,False,77.8,9.03,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-186,2.0,whole_life,500000,monthly,5976.66,,none,5792.28,,,True,coinsurance,independent_broker,False,False,False,0.046215,0.155732,SOA_2015_VBT,SOA_Scale_MP2023,2.246,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046215,0.008,False,,1.0,False,,,,0.015,0.0184,False,normal_rate,2.58,2.32,False,False,False,False,False,0.948,21.1,10.1,standard_longevity,36.5,baseline,1.055,0.71,True,51.6,True,-0.426,494207.72,22475.74,22367.74,24145.71,16089.17,False,0,2.99,-7.69
LI-2024-INS004-001432,2004-02-22,2,20,22,1984,female,never_smoker,27.2,67,173,IL,USA,single,bachelors,professional,25899.37,0.9663,full_paramedical,127,76,251,44,5.7,113,,False,97.4,,True,False,False,False,False,none,,none,none,none,12,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-187,1.25,group_life,1000000,annual,2574.65,,none,,,,True,facultative,captive_agent,False,False,False,0.000854,0.001125,SOA_2015_VBT,SOA_Scale_MP2023,1.376,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000214,0.02,False,,1.0,False,,,,0.15,0.139,False,normal_rate,2.08,1.39,False,False,False,False,False,0.777,70.0,56.7,super_preferred_longevity,100.0,baseline,0.775,1.0,True,43.4,False,,1000000.0,21801.83,19925.34,20597.2,4891.83,False,0,2.65,18.22
LI-2024-INS004-001433,2024-11-25,1,71,72,1953,female,never_smoker,26.0,70,181,MS,USA,divorced,bachelors,white_collar,38696.64,0.9133,full_paramedical,125,79,221,76,2.91,79,5.2,False,62.5,,False,False,False,False,True,breast,2.6,none,none,schizophrenia,3,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,44,UW-094,2.25,whole_life,500000,semi_annual,6222.53,,none,3868.97,,,False,none,independent_broker,False,False,False,0.023884,0.073886,SOA_2015_VBT,SOA_Scale_MP2023,2.262,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029855,0.012,False,,1.0,False,,,,0.06,0.0582,False,normal_rate,5.83,1.94,False,False,False,False,False,0.951,22.6,23.0,preferred_longevity,60.7,baseline,0.815,0.879,True,51.7,True,0.036,496131.03,53265.74,43985.37,49780.24,11822.81,False,0,2.54,-11.88
LI-2024-INS004-001434,2016-08-17,6,27,33,1989,female,never_smoker,37.8,59,187,AK,USA,single,graduate,hazardous,114192.87,0.9195,non_med_guaranteed,114,69,167,28,5.96,98,6.5,False,,,False,False,False,False,False,none,,type_2,none,depression,11,True,False,True,False,True,substandard_table_2,8.46,2.0,True,False,False,False,61,UW-376,1.5,term_life,100000,monthly,467.45,25.0,none,,,,False,none,captive_agent,False,False,False,0.001358,0.00256,SOA_2015_VBT,SOA_Scale_MP2023,1.709,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000679,0.02,False,,1.0,False,,,,0.05,0.0482,False,normal_rate,5.24,0.68,False,False,False,False,False,0.831,70.0,55.0,super_preferred_longevity,100.0,baseline,0.81,0.803,False,,False,,100000.0,3973.96,3394.73,3739.6,888.15,False,0,1.4,13.22
LI-2024-INS004-001435,2017-02-19,4,69,73,1948,male,former_smoker,28.4,60,145,MT,USA,divorced,high_school,light_blue_collar,71739.01,0.5267,simplified_issue,142,80,229,44,5.2,80,,False,70.0,5.64,False,False,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,52,UW-094,2.5,term_life,1000000,quarterly,13472.78,30.0,none,,,,True,quota_share,independent_broker,False,False,False,0.04271,0.182425,SOA_2015_VBT,SOA_Scale_MP2023,2.508,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064064,0.008,False,,1.0,False,,,,0.07,0.0895,False,normal_rate,3.8,2.94,False,False,False,False,False,0.827,17.9,13.9,standard_longevity,41.3,baseline,1.105,0.451,False,,False,,1000000.0,73541.88,63928.45,74908.66,32173.0,False,0,0.88,-18.09
LI-2024-INS004-001436,2008-08-01,1,47,48,1961,male,never_smoker,28.1,71,201,MO,USA,divorced,high_school,white_collar,20000.0,0.8827,full_paramedical,136,92,150,51,2.94,104,,False,89.0,2.33,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-405,1.25,term_life,500000,semi_annual,2369.62,15.0,none,,,,False,none,worksite,False,False,False,0.004318,0.006142,SOA_2015_VBT,SOA_Scale_MP2023,1.399,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00108,0.015,False,,1.0,False,,,,0.1,0.0994,False,normal_rate,3.66,0.57,False,False,False,False,False,0.95,43.9,42.9,super_preferred_longevity,90.1,baseline,0.838,1.0,False,,False,,500000.0,17523.23,18819.53,18956.96,4502.28,False,0,2.24,14.06
LI-2024-INS004-001437,2004-11-15,10,58,68,1946,male,never_smoker,21.5,63,121,CT,USA,married,some_college,heavy_blue_collar,20000.0,0.384,simplified_issue,122,72,202,76,2.66,106,,False,78.7,4.84,False,False,False,True,False,none,,none,none,bipolar,1,False,False,False,False,True,substandard_table_6,0.56,6.0,False,False,False,False,38,UW-098,2.5,universal_life,1000000,monthly,13135.87,,15yr_declining,12443.81,,,True,none,independent_broker,False,False,False,0.020894,0.100096,SOA_2015_VBT,SOA_Scale_MP2023,2.715,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031342,0.008,False,,1.0,False,,,,0.06,0.0376,False,normal_rate,3.51,2.47,False,False,False,False,False,0.83,28.1,18.1,standard_longevity,45.4,baseline,1.212,0.386,False,,False,,987556.19,101248.72,89339.4,95103.7,26954.81,False,0,0.36,-20.0
LI-2024-INS004-001438,2004-04-05,13,42,55,1962,male,never_smoker,29.3,64,170,ND,USA,married,less_than_hs,professional,174007.46,0.195,full_paramedical,120,82,250,49,5.1,104,,False,68.5,5.44,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-149,1.25,universal_life,500000,quarterly,2880.44,,10yr_declining,3054.48,,,False,none,independent_broker,False,False,False,0.00767,0.016619,SOA_2015_VBT,SOA_Scale_MP2023,1.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001917,0.015,False,,1.0,False,,,,0.04,0.0618,False,normal_rate,2.31,0.78,False,False,False,False,False,0.969,46.3,33.3,preferred_longevity,65.4,baseline,1.354,0.125,False,,False,,496945.52,22376.47,22201.48,23043.52,5472.84,False,0,3.26,10.52
LI-2024-INS004-001439,2003-11-19,1,64,65,1939,male,never_smoker,26.1,61,138,MD,USA,married,some_college,white_collar,112786.86,0.3699,simplified_issue,135,79,178,36,4.94,90,5.6,False,,4.98,False,False,False,True,False,none,,none,none,schizophrenia,0,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-396,2.5,universal_life,1000000,quarterly,11749.47,,10yr_declining,7295.95,,,True,none,independent_broker,False,False,False,0.016464,0.075079,SOA_2015_VBT,SOA_Scale_MP2023,2.503,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024696,0.005,False,,1.0,False,,,,0.12,0.0758,False,normal_rate,0.0,0.79,False,False,False,False,False,0.825,20.7,19.7,standard_longevity,47.6,baseline,1.223,0.184,False,,False,,992704.05,94915.91,92293.57,92585.82,22605.98,False,0,2.12,-20.0
LI-2024-INS004-001440,2024-06-01,2,46,48,1978,female,never_smoker,26.3,66,162,NC,USA,married,bachelors,hazardous,257212.61,0.5374,accelerated_UW,129,77,183,40,4.58,104,5.5,False,90.8,,False,False,True,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,3.24,4.0,True,False,False,True,8,UW-001,2.0,universal_life,5000000,monthly,43550.34,,10yr_declining,27141.92,5021.26,0.185,True,coinsurance,captive_agent,False,False,False,0.00367,0.011883,SOA_2015_VBT,SOA_Scale_MP2023,2.04,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00367,0.018,False,,1.0,False,,,,0.08,0.0274,False,normal_rate,3.73,2.76,False,False,False,False,False,0.798,53.3,51.3,super_preferred_longevity,100.0,baseline,1.097,0.438,False,,False,,4972858.08,336419.64,331751.64,348402.72,82745.65,False,0,-0.71,-13.22
LI-2024-INS004-001441,2015-02-23,5,50,55,1965,male,never_smoker,30.2,60,154,MI,USA,single,high_school,professional,50778.66,0.4463,non_med_guaranteed,118,65,199,73,2.73,109,,False,,5.09,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,24,UW-090,0.82,annuity_deferred,500000,quarterly,1854.93,,none,1391.79,,,False,none,employer_group,False,False,False,0.008025,0.007921,SOA_2015_VBT,SOA_Scale_MP2023,0.847,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0645,False,normal_rate,1.93,2.18,False,False,False,False,False,0.821,39.7,34.7,preferred_longevity,71.2,baseline,1.165,0.55,False,,False,,498608.21,14536.3,14615.97,14839.44,3524.37,False,0,7.63,27.01
LI-2024-INS004-001442,2023-06-10,4,66,70,1957,male,never_smoker,27.9,72,206,IA,USA,widowed,high_school,light_blue_collar,26625.38,0.766,limited_exam,152,97,247,34,7.26,89,5.1,False,60.8,4.17,False,False,False,False,True,colorectal,4.2,none,none,none,13,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,54,UW-238,2.0,universal_life,1000000,semi_annual,11614.01,,15yr_declining,8254.94,,,True,quota_share,captive_agent,False,False,False,0.026309,0.078222,SOA_2015_VBT,SOA_Scale_MP2023,2.132,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026309,0.012,False,,1.0,False,,,,0.08,0.0391,False,normal_rate,3.68,2.35,False,False,False,False,False,0.987,23.6,19.8,standard_longevity,53.7,baseline,0.925,0.967,True,37.4,False,,991745.06,89406.61,83446.33,91982.96,22252.44,False,0,2.61,-1.56
LI-2024-INS004-001443,2015-06-28,9,56,65,1959,male,former_smoker,33.0,62,180,OH,USA,married,high_school,professional,72815.73,0.755,full_paramedical,156,105,241,51,4.73,111,5.6,False,93.1,3.18,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-322,2.0,group_life,100000,semi_annual,969.58,,none,,,,False,none,independent_broker,False,False,False,0.022679,0.070094,SOA_2015_VBT,SOA_Scale_MP2023,2.239,cardiovascular,True,2023-08-29,False,False,618282.55,0.0007,5e-05,1.095,0.022679,0.012,False,,1.0,True,2025-08-19,voluntary_surrender,9.0,0.12,0.1315,False,normal_rate,4.01,2.53,False,False,False,False,False,0.806,33.8,24.8,preferred_longevity,61.0,baseline,0.934,0.61,False,,False,,100000.0,7884.24,7222.03,7756.64,1842.2,False,0,2.99,-2.49
LI-2024-INS004-001444,2014-01-21,1,79,80,1935,female,never_smoker,27.0,61,142,RI,USA,divorced,graduate,heavy_blue_collar,62028.2,0.6113,accelerated_UW,140,86,235,65,3.62,98,,False,85.7,,False,False,True,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,1.19,5.0,False,False,False,True,8,UW-123,2.25,term_life,500000,monthly,6669.08,15.0,none,,,,False,none,independent_broker,False,False,False,0.047712,0.182979,SOA_2015_VBT,SOA_Scale_MP2023,2.482,cardiovascular,True,2014-06-20,True,False,255376.48,0.0007,5e-05,1.095,0.05964,0.005,False,,1.0,False,,,,0.1,0.1211,False,normal_rate,2.1,1.17,False,False,False,False,False,0.817,13.1,12.1,standard_longevity,49.8,baseline,1.042,0.531,False,,False,,500000.0,34050.85,33607.16,32278.35,16886.11,False,0,1.85,-1.62
LI-2024-INS004-001445,2023-02-18,2,47,49,1976,male,current_smoker,28.5,70,198,NM,USA,married,high_school,professional,54594.66,0.3978,simplified_issue,123,80,245,66,3.71,110,6.2,True,78.6,1.17,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-146,1.5,term_life,1000000,monthly,5385.63,25.0,none,,,,True,none,captive_agent,False,False,False,0.009912,0.024168,SOA_2015_VBT,SOA_Scale_MP2023,1.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004956,0.018,False,,1.0,False,,,,0.07,0.0967,False,normal_rate,3.1,1.72,False,False,False,False,False,0.808,44.4,42.4,super_preferred_longevity,82.1,baseline,1.202,0.538,False,,False,,1000000.0,44447.11,43527.44,43085.04,10232.7,False,0,6.16,1.24
LI-2024-INS004-001446,2009-09-02,5,41,46,1968,male,current_smoker,29.5,60,151,NY,USA,divorced,bachelors,professional,31789.76,0.8723,accelerated_UW,122,66,206,51,4.04,74,5.6,True,90.3,1.03,False,True,True,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,18,UW-223,1.5,whole_life,1000000,monthly,5392.25,,none,4056.86,,,True,facultative,employer_group,False,False,False,0.007886,0.015042,SOA_2015_VBT,SOA_Scale_MP2023,1.664,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.015,False,,1.0,False,,,,0.04,0.0481,False,normal_rate,6.07,1.85,False,False,False,False,False,0.818,53.9,48.9,super_preferred_longevity,100.0,baseline,0.846,0.792,False,,False,,995943.14,41299.24,37169.75,43138.0,10245.27,False,0,6.08,2.9
LI-2024-INS004-001447,2019-12-17,7,50,57,1969,male,never_smoker,19.6,76,161,WV,USA,married,high_school,white_collar,103409.3,0.8903,full_paramedical,109,71,222,44,5.05,79,5.8,False,89.3,2.28,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-041,2.25,term_life,2000000,quarterly,21871.01,30.0,none,,,,True,none,captive_agent,False,False,False,0.009477,0.031383,SOA_2015_VBT,SOA_Scale_MP2023,2.477,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011846,0.015,False,,1.0,False,,,,0.05,0.0494,False,normal_rate,4.65,1.54,False,False,False,False,False,0.876,42.1,36.8,super_preferred_longevity,81.1,baseline,0.832,0.932,False,,True,1.114,2000000.0,170323.41,182696.81,174968.08,41554.92,False,0,-0.86,-9.4
LI-2024-INS004-001448,2023-09-06,2,45,47,1978,male,former_smoker,33.4,65,200,SC,USA,single,graduate,professional,22981.87,0.1894,simplified_issue,141,97,227,56,4.05,94,6.1,False,,1.33,False,False,False,False,False,none,,pre_diabetes,none,anxiety,2,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,21,UW-364,1.5,whole_life,2000000,quarterly,12613.15,,none,8672.1,5255.29,0.606,True,quota_share,direct_to_consumer,False,False,False,0.005526,0.014139,SOA_2015_VBT,SOA_Scale_MP2023,1.516,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002763,0.018,False,,1.0,False,,,,0.04,0.0728,False,normal_rate,2.42,2.08,False,False,False,False,False,0.919,45.9,45.0,super_preferred_longevity,82.8,baseline,1.358,0.27,False,,True,0.73,1991327.9,92735.21,103232.2,100905.2,23964.99,False,0,1.76,1.19
LI-2024-INS004-001449,2007-07-18,12,57,69,1950,female,never_smoker,27.1,68,178,WY,USA,married,bachelors,light_blue_collar,20000.0,0.085,full_paramedical,150,102,197,34,5.79,83,5.0,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-201,2.0,term_life,250000,monthly,2809.49,30.0,none,,,,False,none,independent_broker,False,False,False,0.017726,0.072818,SOA_2015_VBT,SOA_Scale_MP2023,2.164,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017726,0.012,False,,1.0,False,,,,0.03,0.049,False,normal_rate,2.93,2.38,False,False,False,False,False,0.752,32.8,20.8,standard_longevity,45.0,baseline,1.436,0.0,False,,False,,250000.0,23665.8,22944.0,22475.92,5338.03,False,0,4.18,-15.92
LI-2024-INS004-001450,2005-05-26,11,26,37,1979,female,never_smoker,33.3,63,187,PA,USA,married,high_school,white_collar,366633.81,0.5894,full_paramedical,138,84,222,27,8.22,110,5.0,False,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,7,UW-241,1.75,universal_life,500000,monthly,2728.14,,15yr_declining,2692.02,,,False,none,captive_agent,True,False,False,0.001707,0.004651,SOA_2015_VBT,SOA_Scale_MP2023,1.866,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001281,0.018,False,,1.0,False,,,,0.04,0.0221,False,normal_rate,3.9,1.14,False,False,False,False,False,0.994,70.0,59.1,super_preferred_longevity,100.0,baseline,1.058,0.729,True,56.6,False,,497307.98,21528.49,20772.95,21825.12,5183.47,False,0,-0.53,9.86
LI-2024-INS004-001451,2010-08-24,5,39,44,1971,male,never_smoker,28.3,63,159,HI,USA,married,bachelors,white_collar,67266.71,0.7203,accelerated_UW,121,75,199,51,3.9,81,5.3,False,,1.74,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,14,UW-296,2.0,group_life,1000000,annual,6855.73,,none,,,,True,none,independent_broker,False,False,False,0.003406,0.010603,SOA_2015_VBT,SOA_Scale_MP2023,2.202,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.018,False,,1.0,True,2026-04-23,unknown,5.0,0.15,0.1686,False,normal_rate,5.11,0.75,False,False,False,False,False,0.867,53.0,49.3,super_preferred_longevity,97.3,baseline,0.96,0.806,True,42.3,False,,1000000.0,59641.55,56577.64,54845.84,13025.89,False,0,0.38,-10.87
LI-2024-INS004-001452,2021-02-20,2,58,60,1963,male,never_smoker,26.7,76,219,VT,USA,married,some_college,light_blue_collar,100933.19,0.6389,full_paramedical,142,81,278,62,4.48,91,,False,84.5,1.37,False,True,False,False,False,none,,none,none,schizophrenia,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-243,2.25,term_life,2000000,semi_annual,24866.43,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.011844,0.046772,SOA_2015_VBT,SOA_Scale_MP2023,2.396,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014805,0.015,True,0.003,1.0,False,,,,0.07,0.1165,False,normal_rate,3.81,0.57,False,False,False,False,False,0.814,32.2,28.1,preferred_longevity,64.2,baseline,1.021,0.615,False,,True,-1.423,2000000.0,198446.4,187400.14,198931.44,47246.22,False,0,2.35,-9.83
LI-2024-INS004-001453,2020-08-26,4,70,74,1950,female,former_smoker,17.8,62,97,WI,USA,married,high_school,professional,105358.63,0.7516,full_paramedical,123,74,221,83,2.66,91,4.9,False,64.3,,False,True,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-036,2.25,universal_life,500000,monthly,7323.1,,10yr_declining,5117.24,,,False,none,captive_agent,False,False,False,0.035664,0.125244,SOA_2015_VBT,SOA_Scale_MP2023,2.348,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04458,0.012,True,0.00226,1.0,False,,,,0.08,0.0396,False,normal_rate,5.42,2.74,False,False,False,False,False,0.81,22.5,18.5,standard_longevity,51.5,baseline,0.936,0.944,False,,False,,494882.76,55673.57,51162.99,54190.94,14792.66,False,0,-1.77,-13.05
LI-2024-INS004-001454,2010-03-13,14,73,87,1937,female,never_smoker,29.9,61,157,CA,USA,married,bachelors,heavy_blue_collar,40713.62,0.8577,full_paramedical,150,93,210,51,4.12,109,,False,67.5,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,1.28,,False,True,False,False,8,UW-410,1.0,term_life,500000,annual,3496.69,15.0,none,,,,False,none,bank,False,False,False,0.087783,0.077763,SOA_2015_VBT,SOA_Scale_MP2023,1.034,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0304,False,normal_rate,3.99,1.81,False,False,False,False,False,0.929,17.4,3.5,sub_standard_longevity,30.6,baseline,0.857,0.889,True,46.4,False,,500000.0,4408.09,4774.95,4895.37,11259.34,False,0,7.31,23.28
LI-2024-INS004-001455,2019-11-28,1,43,44,1976,male,never_smoker,30.1,68,197,WI,USA,single,bachelors,white_collar,128707.83,0.766,full_paramedical,125,70,228,42,5.43,106,,False,,1.34,True,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,24,UW-096,1.25,term_life,250000,monthly,1150.64,10.0,none,,,,False,none,bank,False,False,False,0.003406,0.005554,SOA_2015_VBT,SOA_Scale_MP2023,1.492,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000851,0.018,False,,1.0,False,,,,0.1,0.1087,False,normal_rate,5.01,1.02,False,False,False,False,False,0.822,49.9,48.9,super_preferred_longevity,97.3,baseline,0.925,0.69,False,,False,,250000.0,9573.01,9411.02,9205.12,2186.22,False,0,2.53,8.88
LI-2024-INS004-001456,2009-04-15,4,53,57,1956,female,never_smoker,29.4,67,188,NJ,USA,married,bachelors,white_collar,39791.74,0.7444,full_paramedical,120,72,261,66,3.95,87,5.4,False,,,False,True,False,False,False,none,,none,none,depression,1,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,46,UW-059,1.25,whole_life,250000,quarterly,1632.71,,none,1222.14,,,False,none,worksite,False,False,False,0.006801,0.010301,SOA_2015_VBT,SOA_Scale_MP2023,1.343,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0017,0.012,False,,1.0,False,,,,0.04,0.0442,False,normal_rate,3.16,1.67,False,False,False,False,False,0.805,40.3,40.1,super_preferred_longevity,83.8,baseline,0.942,0.737,True,64.9,False,,248777.86,12093.32,12972.34,13061.68,3102.15,False,0,4.26,18.38
LI-2024-INS004-001457,2004-11-04,13,38,51,1966,male,never_smoker,22.7,65,136,NY,USA,married,some_college,white_collar,42597.72,0.6558,full_paramedical,139,80,168,60,2.8,76,5.7,False,75.9,0.58,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-235,1.25,indexed_ul,500000,annual,2855.41,,15yr_declining,2949.28,,,False,none,worksite,False,False,False,0.005801,0.010059,SOA_2015_VBT,SOA_Scale_MP2023,1.472,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00145,0.015,False,,1.0,False,,,,0.04,0.0212,False,normal_rate,2.78,1.06,False,False,False,False,False,0.897,52.7,39.7,super_preferred_longevity,81.9,baseline,1.008,0.643,False,,False,,497050.72,23931.68,23448.07,22843.28,5425.28,False,0,4.56,17.32
LI-2024-INS004-001458,2010-08-06,5,19,24,1991,male,former_smoker,29.9,65,179,MD,USA,married,graduate,professional,99738.68,0.5873,full_paramedical,121,75,221,52,4.25,85,,False,104.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,24,UW-355,0.85,universal_life,1000000,quarterly,1766.1,,10yr_declining,1254.7,,,True,none,captive_agent,False,False,False,0.001483,0.001229,SOA_2015_VBT,SOA_Scale_MP2023,0.782,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0443,False,normal_rate,3.92,2.73,False,False,False,False,False,0.853,70.0,55.0,super_preferred_longevity,100.0,baseline,1.06,0.611,True,51.0,True,0.59,998745.3,14936.01,14318.41,14128.8,3355.59,False,0,3.62,25.29
LI-2024-INS004-001459,2001-12-09,8,19,27,1982,female,current_smoker,20.1,70,140,MT,USA,single,high_school,hazardous,51895.43,0.5515,full_paramedical,113,76,205,58,3.53,105,5.2,True,,,True,False,False,False,False,none,,none,none,none,4,True,False,False,False,False,substandard_table_2,9.7,2.0,True,False,False,False,13,UW-385,1.5,term_life,1000000,semi_annual,3323.84,20.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.002046,0.004393,SOA_2015_VBT,SOA_Scale_MP2023,1.516,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001023,0.02,False,,1.0,False,,,,0.05,0.0629,False,normal_rate,3.05,2.54,False,False,False,False,False,0.806,70.0,57.2,super_preferred_longevity,100.0,baseline,1.086,0.429,True,46.2,False,,1000000.0,25275.53,23011.25,26590.72,6315.3,False,0,1.94,3.47
LI-2024-INS004-001460,2005-10-08,4,71,75,1934,male,never_smoker,36.7,64,213,ND,USA,married,bachelors,heavy_blue_collar,346628.76,0.6608,limited_exam,170,116,268,54,4.96,118,5.2,False,63.7,5.41,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_6,0.92,6.0,False,False,False,False,8,UW-228,2.5,universal_life,2000000,monthly,30979.59,,15yr_declining,22940.03,,,True,excess_of_loss,captive_agent,False,False,False,0.038397,0.162609,SOA_2015_VBT,SOA_Scale_MP2023,2.723,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.057595,0.005,False,,1.0,True,2025-11-16,replacement,4.0,0.08,0.0422,False,normal_rate,2.51,2.56,False,True,False,False,False,0.917,17.1,13.1,standard_longevity,52.1,baseline,1.004,0.677,False,,False,,1977059.97,166513.95,159762.6,162333.05,75961.96,False,0,-1.12,-20.0
LI-2024-INS004-001461,2014-07-12,2,78,80,1936,female,never_smoker,23.3,65,139,MA,USA,married,high_school,heavy_blue_collar,229642.71,0.3142,full_paramedical,154,105,218,58,3.76,96,,False,,,False,True,False,False,False,none,,none,none,depression,0,True,False,False,False,False,substandard_table_4,5.53,4.0,True,False,False,False,21,UW-085,2.0,term_life,1000000,semi_annual,12707.91,15.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.047952,0.172845,SOA_2015_VBT,SOA_Scale_MP2023,2.06,cancer,True,2016-05-08,True,True,137668.98,0.0007,5e-05,1.095,0.047952,0.005,False,,1.0,False,,,,0.07,0.1014,False,normal_rate,3.74,1.18,False,False,False,False,False,0.833,10.1,8.1,sub_standard_longevity,29.4,baseline,1.264,0.276,False,,False,,1000000.0,40416.29,38034.6,41173.63,36242.96,False,0,1.81,-12.7
LI-2024-INS004-001462,2003-08-22,5,54,59,1949,female,unknown,34.6,58,165,ND,USA,married,graduate,hazardous,85398.94,0.3429,full_paramedical,132,86,212,48,4.42,98,5.0,False,,,True,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,4.68,4.0,True,False,False,False,25,UW-250,2.0,annuity_deferred,1000000,monthly,9254.97,,none,7309.66,6534.84,0.894,True,quota_share,independent_broker,False,False,False,0.009073,0.031682,SOA_2015_VBT,SOA_Scale_MP2023,2.005,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009073,0.008,False,,1.0,False,,,,0.04,0.0342,False,normal_rate,4.11,1.58,False,False,False,False,False,0.986,36.4,31.4,preferred_longevity,64.7,baseline,1.243,0.477,False,,False,,992690.34,81061.01,65197.59,74039.76,17584.44,False,0,3.48,-4.78
LI-2024-INS004-001463,2012-10-14,11,71,82,1941,female,former_smoker,33.3,69,225,OR,USA,married,bachelors,white_collar,39669.14,0.5212,limited_exam,151,91,262,34,7.71,83,4.5,False,53.9,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-207,2.25,term_life,1000000,annual,14549.22,20.0,none,,,,True,quota_share,worksite,False,False,False,0.070673,0.27983,SOA_2015_VBT,SOA_Scale_MP2023,2.443,cardiovascular,True,2021-03-03,False,False,673595.87,0.0007,5e-05,1.095,0.088341,0.008,False,,1.0,False,,,,0.03,0.0385,False,normal_rate,3.91,1.73,False,False,False,False,False,0.951,18.9,7.9,sub_standard_longevity,32.2,baseline,1.109,0.602,False,,False,,1000000.0,41726.75,39603.52,45975.54,41727.16,False,0,-0.34,-14.25
LI-2024-INS004-001464,2021-04-06,5,72,77,1949,female,never_smoker,29.3,58,140,ND,USA,married,graduate,white_collar,59962.01,0.9883,full_paramedical,140,91,232,47,4.94,89,6.1,False,89.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,24,UW-206,1.25,group_life,100000,semi_annual,901.32,,none,,,,False,none,direct_to_consumer,False,False,False,0.03757,0.048607,SOA_2015_VBT,SOA_Scale_MP2023,1.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009393,0.008,True,0.00255,1.0,True,2025-06-27,unknown,5.0,0.15,0.191,False,normal_rate,5.69,0.7,False,False,False,False,False,0.77,20.9,15.9,standard_longevity,51.2,baseline,0.759,1.0,False,,False,,100000.0,6110.74,5696.96,5732.4,2008.14,False,0,4.97,14.29
LI-2024-INS004-001465,2016-05-25,7,39,46,1977,female,never_smoker,37.9,65,227,NM,USA,single,high_school,white_collar,32369.39,0.4358,full_paramedical,128,81,268,44,6.09,103,5.4,False,83.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,True,False,True,standard,,,False,True,False,False,36,UW-135,1.0,term_life,2000000,quarterly,6881.96,15.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.003155,0.003742,SOA_2015_VBT,SOA_Scale_MP2023,1.011,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0946,False,normal_rate,3.91,2.9,False,False,False,False,False,0.962,56.7,49.7,super_preferred_longevity,93.6,baseline,1.173,0.48,False,,False,,2000000.0,56986.52,56689.26,55055.68,13075.72,False,0,3.08,11.34
LI-2024-INS004-001466,2002-06-02,4,27,31,1975,female,former_smoker,33.4,72,246,OK,USA,single,bachelors,white_collar,22102.92,0.6851,limited_exam,111,73,193,40,4.83,85,8.7,False,,,True,False,False,False,False,none,,type_2,none,schizophrenia,4,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,31,UW-190,2.25,term_life,500000,quarterly,2674.99,25.0,none,,,,True,facultative,bank,False,False,False,0.001593,0.005584,SOA_2015_VBT,SOA_Scale_MP2023,2.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001992,0.018,False,,1.0,False,,,,0.07,0.3445,False,normal_rate,2.76,2.9,False,True,False,True,False,0.812,69.4,55.2,super_preferred_longevity,100.0,baseline,0.986,0.81,True,34.7,False,,500000.0,20810.94,20294.87,21399.92,5082.48,False,0,-1.0,-12.0
LI-2024-INS004-001467,2013-08-26,8,21,29,1992,female,former_smoker,19.8,59,97,VA,USA,divorced,graduate,professional,34519.01,0.6306,full_paramedical,112,77,215,65,3.31,85,5.4,False,,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-244,0.79,universal_life,2000000,annual,4238.14,,15yr_declining,3602.53,,,True,none,employer_group,False,False,False,0.00145,0.001234,SOA_2015_VBT,SOA_Scale_MP2023,0.829,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0387,False,normal_rate,1.85,2.78,False,False,False,False,False,0.931,70.0,55.0,super_preferred_longevity,100.0,baseline,1.027,0.64,False,,False,,1996397.47,32295.43,32699.09,33905.12,8052.47,False,0,3.37,21.85
LI-2024-INS004-001468,2022-12-02,5,56,61,1966,male,never_smoker,38.4,74,299,PA,USA,divorced,less_than_hs,white_collar,22511.67,0.8053,non_med_guaranteed,144,87,210,45,4.67,132,4.8,False,,6.42,False,False,False,False,True,other,4.2,none,none,none,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-481,2.5,term_life,2000000,quarterly,26476.78,10.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.013294,0.054316,SOA_2015_VBT,SOA_Scale_MP2023,2.516,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019941,0.015,True,0.0044,1.0,True,2026-02-18,voluntary_surrender,5.0,0.07,0.0739,False,normal_rate,2.29,2.29,False,False,True,False,False,0.988,35.3,30.3,preferred_longevity,70.0,baseline,0.896,0.738,False,,False,,2000000.0,212967.33,197368.92,211814.24,50305.88,False,0,1.09,-13.99
LI-2024-INS004-001469,2010-08-22,7,47,54,1963,female,current_smoker,27.2,62,148,SC,USA,married,bachelors,white_collar,20000.0,0.4702,full_paramedical,101,68,275,58,4.74,84,4.8,True,,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,26,UW-379,2.75,term_life,250000,monthly,3174.08,15.0,none,,,,True,quota_share,independent_broker,False,False,False,0.011475,0.057762,SOA_2015_VBT,SOA_Scale_MP2023,2.862,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020081,0.015,False,,1.0,False,,,,0.05,0.0662,False,normal_rate,3.6,2.95,False,False,False,False,False,0.966,46.5,39.5,preferred_longevity,78.8,baseline,1.147,0.264,False,,False,,250000.0,25082.57,24659.53,25392.64,6030.75,False,0,-2.93,-20.0
LI-2024-INS004-001470,2003-04-14,23,57,80,1946,male,never_smoker,29.1,60,149,FL,USA,married,high_school,professional,116180.8,0.576,accelerated_UW,153,96,236,43,5.49,123,4.9,False,57.2,8.54,False,False,False,False,False,none,,none,none,depression,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,True,22,UW-470,1.5,whole_life,500000,quarterly,5217.75,,none,8203.86,,,False,none,captive_agent,False,False,False,0.059507,0.134871,SOA_2015_VBT,SOA_Scale_MP2023,1.654,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029753,0.008,False,,1.0,False,,,,0.015,0.0186,False,normal_rate,4.05,2.3,False,False,False,False,False,0.926,29.8,6.6,sub_standard_longevity,31.0,baseline,1.068,0.542,True,21.1,False,,491796.14,14287.63,12395.35,13774.86,15507.15,False,0,7.25,6.87
LI-2024-INS004-001471,2002-03-05,20,42,62,1960,male,never_smoker,29.3,70,203,IL,USA,single,some_college,professional,66945.22,0.9496,limited_exam,142,88,203,38,5.34,98,5.4,False,80.5,2.32,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,51,UW-430,1.25,annuity_deferred,1000000,quarterly,7234.43,,none,9888.09,,,True,none,captive_agent,True,False,False,0.013428,0.01731,SOA_2015_VBT,SOA_Scale_MP2023,1.319,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003357,0.015,False,,1.0,False,,,,0.01,0.0094,False,normal_rate,4.21,1.19,False,False,False,False,False,0.856,49.0,29.0,preferred_longevity,70.2,baseline,0.788,1.0,False,,False,,990111.91,54527.2,50951.78,57875.44,13745.42,False,0,2.14,11.48
LI-2024-INS004-001472,2000-04-19,6,79,85,1921,female,never_smoker,31.1,72,229,MA,USA,married,less_than_hs,white_collar,342739.87,0.618,full_paramedical,126,79,180,48,3.75,89,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-005,1.25,universal_life,500000,monthly,3861.9,,10yr_declining,2813.84,,,False,none,captive_agent,False,False,False,0.050122,0.080639,SOA_2015_VBT,SOA_Scale_MP2023,1.311,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012531,0.012,False,,1.0,False,,,,0.06,0.0326,False,normal_rate,1.15,2.72,False,False,False,False,False,0.909,8.6,2.6,sub_standard_longevity,25.7,baseline,1.036,0.74,False,,False,,497186.16,4092.74,3971.43,4016.38,12713.37,False,0,2.15,14.42
LI-2024-INS004-001473,2018-06-21,4,75,79,1943,non_binary,former_smoker,24.3,65,146,UT,USA,married,high_school,light_blue_collar,143027.81,0.3169,accelerated_UW,130,83,181,48,3.77,110,5.7,False,92.6,,False,False,False,False,True,lung,5.1,none,none,depression,5,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,True,30,UW-424,4.0,universal_life,500000,quarterly,14234.62,,15yr_declining,9415.01,,,False,none,independent_broker,False,False,False,0.062316,0.617473,SOA_2015_VBT,SOA_Scale_MP2023,5.473,accident,True,2020-09-14,False,False,1336491.18,0.0007,5e-05,1.095,0.186949,0.008,False,,1.0,False,,,,0.08,0.0521,False,normal_rate,4.03,2.7,False,False,False,False,False,0.807,10.4,6.4,sub_standard_longevity,26.9,baseline,1.262,0.276,False,,False,,490584.99,35678.42,37900.89,36440.63,42533.04,False,0,-2.96,-20.0
LI-2024-INS004-001474,2023-08-01,3,68,71,1955,male,never_smoker,21.2,70,147,LA,USA,married,bachelors,professional,139201.14,0.5863,simplified_issue,115,70,223,70,3.19,97,,False,,7.88,False,False,False,False,False,none,,none,none,bipolar,1,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,40,UW-500,2.0,term_life,250000,semi_annual,2585.6,10.0,none,,,,False,none,independent_broker,False,False,False,0.028025,0.092743,SOA_2015_VBT,SOA_Scale_MP2023,2.178,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028025,0.012,False,,1.0,False,,,,0.07,0.0862,False,normal_rate,1.3,2.3,True,False,False,False,False,0.833,20.6,18.0,standard_longevity,48.3,baseline,1.06,0.641,True,40.5,False,,250000.0,18232.56,16667.09,18616.32,5326.34,False,0,1.84,-5.53
LI-2024-INS004-001475,2003-10-16,5,68,73,1935,male,never_smoker,21.8,68,143,NE,USA,married,bachelors,white_collar,146731.61,0.6962,full_paramedical,132,75,218,59,3.69,79,,False,81.3,6.73,True,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-346,1.25,whole_life,500000,quarterly,4246.31,,none,3306.56,,,False,none,independent_broker,False,False,False,0.032402,0.051097,SOA_2015_VBT,SOA_Scale_MP2023,1.357,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008101,0.005,False,,1.0,False,,,,0.04,0.0457,False,normal_rate,4.08,2.16,False,False,False,False,False,0.846,20.4,15.4,standard_longevity,56.0,baseline,0.978,0.652,False,,False,,496693.44,27121.76,23224.72,26157.27,9630.63,False,0,4.24,16.76
LI-2024-INS004-001476,2012-08-03,7,23,30,1989,male,never_smoker,16.8,70,116,RI,USA,divorced,graduate,professional,70901.98,0.6891,full_paramedical,112,68,182,54,3.37,63,5.2,False,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,15,UW-074,0.69,indexed_ul,500000,monthly,987.44,,10yr_declining,788.15,,,False,none,bank,False,False,False,0.00146,0.000901,SOA_2015_VBT,SOA_Scale_MP2023,0.628,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.031,False,normal_rate,4.2,1.15,False,False,False,False,False,0.825,70.0,55.0,super_preferred_longevity,100.0,baseline,0.983,0.952,False,,False,,499211.85,8610.1,8104.33,7899.52,1876.14,False,0,2.75,26.89
LI-2024-INS004-001477,2013-12-06,14,59,73,1954,female,never_smoker,31.9,67,203,VT,USA,single,graduate,white_collar,57489.91,0.317,full_paramedical,160,97,229,56,4.09,106,,False,99.0,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-246,2.0,whole_life,500000,monthly,5366.4,,none,5915.77,,,False,none,independent_broker,False,False,False,0.026382,0.093348,SOA_2015_VBT,SOA_Scale_MP2023,2.011,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026382,0.012,False,,1.0,False,,,,0.015,0.0217,False,normal_rate,4.86,0.88,False,False,False,False,False,0.828,32.3,18.3,standard_longevity,44.7,baseline,1.262,0.353,False,,False,,494084.23,40497.98,33872.39,39282.05,10925.99,False,0,4.19,-7.9
LI-2024-INS004-001478,2015-02-16,8,62,70,1953,female,former_smoker,23.7,59,117,NV,USA,married,bachelors,white_collar,20499.46,0.5589,full_paramedical,141,88,211,39,5.41,70,5.0,False,86.0,,False,True,True,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-369,2.0,annuity_immediate,250000,monthly,2559.68,,none,,,,False,none,direct_to_consumer,False,False,False,0.026072,0.084036,SOA_2015_VBT,SOA_Scale_MP2023,2.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026072,0.012,False,,1.0,False,,,,0.003,0.0053,False,normal_rate,5.56,2.21,False,False,False,True,False,0.82,33.1,25.8,preferred_longevity,69.6,baseline,1.081,0.547,True,41.9,False,,250000.0,21289.43,20013.29,20477.44,4863.39,False,0,-0.97,-8.32
LI-2024-INS004-001479,2011-03-16,5,35,40,1976,female,unknown,23.9,66,148,IL,USA,widowed,bachelors,professional,21144.04,0.9232,full_paramedical,120,83,229,57,4.02,71,,False,110.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,11,UW-176,0.99,universal_life,500000,quarterly,1460.58,,15yr_declining,1062.28,,,True,none,employer_group,False,False,False,0.002376,0.001867,SOA_2015_VBT,SOA_Scale_MP2023,0.973,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0415,False,normal_rate,3.41,2.17,True,False,False,False,False,0.837,62.5,55.0,super_preferred_longevity,100.0,baseline,0.808,0.822,False,,False,,498937.72,10971.78,11686.9,11684.64,2775.1,False,0,1.95,20.26
LI-2024-INS004-001480,2010-03-05,11,19,30,1991,male,never_smoker,27.4,76,225,AL,USA,single,some_college,professional,43769.26,0.9932,accelerated_UW,108,60,183,42,4.36,101,,False,77.3,,True,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,4,UW-228,2.0,term_life,1000000,monthly,5719.68,15.0,none,,,,True,excess_of_loss,independent_broker,True,False,False,0.00146,0.003766,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00146,0.022,False,,1.0,False,,,,0.03,0.0272,False,normal_rate,4.44,1.84,False,False,False,False,False,0.852,70.0,55.0,super_preferred_longevity,100.0,baseline,0.755,0.759,False,,False,,1000000.0,48234.49,45549.0,45757.44,10867.39,False,0,-0.21,1.89
LI-2024-INS004-001481,2000-07-19,8,70,78,1930,female,former_smoker,37.7,70,262,MO,USA,divorced,high_school,white_collar,94058.62,0.8281,non_med_guaranteed,147,94,174,55,3.16,125,9.2,False,84.9,,False,False,False,True,False,none,,type_2,none,schizophrenia,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,35,UW-062,3.0,term_life,500000,annual,9345.57,30.0,none,,,,False,none,worksite,False,False,False,0.050844,0.250765,SOA_2015_VBT,SOA_Scale_MP2023,3.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.101687,0.005,False,,1.0,False,,,,0.05,0.0519,False,normal_rate,4.09,0.93,False,False,False,True,False,0.896,19.2,9.5,standard_longevity,39.2,baseline,0.879,0.973,False,,True,-1.166,500000.0,38515.25,30911.77,35513.17,25606.86,False,0,-0.93,-20.0
LI-2024-INS004-001482,2014-12-08,5,54,59,1960,female,never_smoker,26.5,62,145,IN,USA,married,some_college,professional,61696.76,0.9047,limited_exam,128,80,185,47,3.94,100,,False,67.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-023,2.25,term_life,250000,semi_annual,2999.48,20.0,none,,,,False,none,bank,False,False,False,0.008319,0.027031,SOA_2015_VBT,SOA_Scale_MP2023,2.434,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010398,0.015,False,,1.0,False,,,,0.07,0.0683,False,normal_rate,3.06,1.31,False,False,False,False,False,0.819,40.8,36.2,super_preferred_longevity,80.4,baseline,0.821,0.913,False,,True,0.265,250000.0,25707.58,21025.54,23995.84,5699.01,False,0,0.7,-6.35
LI-2024-INS004-001483,2006-09-06,7,77,84,1929,male,never_smoker,25.9,61,136,PA,USA,single,bachelors,professional,49831.4,0.2487,full_paramedical,149,81,252,44,5.73,102,4.4,False,53.6,10.39,True,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-279,2.5,term_life,500000,annual,8087.59,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.063358,0.305913,SOA_2015_VBT,SOA_Scale_MP2023,2.534,respiratory,True,2010-02-19,False,False,120391.09,0.0007,5e-05,1.095,0.095037,0.012,False,,1.0,False,,,,0.05,0.1051,False,normal_rate,4.11,1.48,False,False,False,False,False,0.965,6.3,1.0,sub_standard_longevity,17.7,baseline,1.313,0.09,False,,False,,500000.0,3328.21,2787.59,3235.04,27659.56,False,0,1.23,-20.0
LI-2024-INS004-001484,2015-08-03,9,21,30,1994,female,unknown,31.7,64,184,AZ,USA,married,graduate,white_collar,78202.46,0.7024,full_paramedical,123,72,174,51,3.41,81,,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,True,True,standard_plus,,,False,False,False,False,39,UW-323,0.92,whole_life,500000,annual,1043.06,,none,954.36,,,False,none,independent_broker,False,True,False,0.001343,0.001207,SOA_2015_VBT,SOA_Scale_MP2023,0.923,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.0228,False,normal_rate,3.76,2.44,False,False,False,False,False,0.919,70.0,55.0,super_preferred_longevity,100.0,baseline,0.973,0.565,False,,False,,499045.64,8539.37,7951.05,8344.48,1981.81,False,0,4.64,23.9
LI-2024-INS004-001485,2004-02-25,15,73,88,1931,male,former_smoker,20.7,73,156,IA,USA,widowed,graduate,light_blue_collar,136666.44,0.5664,full_paramedical,137,84,222,68,3.26,103,,False,51.8,16.63,False,False,False,False,False,none,,none,none,depression,11,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,33,UW-007,1.25,annuity_deferred,500000,annual,4983.53,,none,5412.66,,,False,none,independent_broker,True,False,False,0.150563,0.249549,SOA_2015_VBT,SOA_Scale_MP2023,1.309,cancer,True,2018-11-16,False,False,261555.62,0.0007,5e-05,1.095,0.037641,0.005,False,,1.0,False,,,,0.01,0.0125,False,normal_rate,4.93,1.52,False,False,False,False,False,0.859,11.3,1.0,sub_standard_longevity,22.5,baseline,1.075,0.527,False,,False,,494587.34,2049.89,1798.23,1993.41,17043.67,False,0,4.45,11.82
LI-2024-INS004-001486,2002-10-18,19,71,90,1931,female,former_smoker,30.1,66,186,WV,USA,married,bachelors,light_blue_collar,123376.11,0.3236,full_paramedical,159,101,238,62,3.84,63,,False,63.1,,True,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,9,UW-147,2.0,term_life,1000000,quarterly,15690.07,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.14227,0.501094,SOA_2015_VBT,SOA_Scale_MP2023,2.006,cardiovascular,True,2013-03-25,False,False,1448066.67,0.0007,5e-05,1.095,0.14227,0.005,False,,1.0,False,,,,0.03,0.0432,False,normal_rate,2.9,0.83,False,False,False,False,False,0.85,19.3,1.1,sub_standard_longevity,29.0,baseline,1.257,0.304,True,69.7,False,,1000000.0,7477.81,6776.43,6903.63,53534.52,False,0,1.06,-5.62
LI-2024-INS004-001487,2002-01-08,7,55,62,1947,male,never_smoker,33.6,61,177,MD,USA,married,high_school,professional,49450.89,0.2266,non_med_guaranteed,126,72,207,35,5.91,85,5.8,False,70.9,0.85,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-268,1.25,universal_life,500000,monthly,3559.53,,15yr_declining,2828.65,,,True,facultative,independent_broker,False,False,False,0.012533,0.026787,SOA_2015_VBT,SOA_Scale_MP2023,1.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003133,0.008,False,,1.0,False,,,,0.06,0.041,False,normal_rate,5.3,2.53,False,False,False,False,False,0.936,30.6,23.6,standard_longevity,51.3,baseline,1.33,0.155,False,,False,,497171.35,26014.4,28081.12,28476.24,6763.11,False,0,1.93,7.16
LI-2024-INS004-001488,2005-06-02,10,52,62,1953,female,never_smoker,34.3,60,175,WA,USA,single,high_school,professional,41900.86,0.6546,accelerated_UW,136,81,283,73,3.88,89,4.8,False,79.5,,False,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,7,UW-165,1.25,whole_life,500000,semi_annual,3544.49,,none,3360.51,,,False,none,bank,False,False,False,0.010023,0.015593,SOA_2015_VBT,SOA_Scale_MP2023,1.294,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002506,0.012,False,,1.0,False,,,,0.02,0.0235,False,normal_rate,0.77,2.13,False,False,False,False,False,0.916,40.5,31.5,preferred_longevity,69.6,baseline,1.009,0.655,False,,True,0.642,496639.49,28629.73,27262.92,28355.92,6734.53,False,0,2.88,13.17
LI-2024-INS004-001489,2022-05-24,1,65,66,1957,female,current_smoker,21.8,59,108,NJ,USA,single,graduate,white_collar,20000.0,0.6354,full_paramedical,119,80,230,62,3.71,122,6.0,True,85.3,,False,False,False,False,False,none,,none,severe_gold_3,substance_use_disorder,1,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,12,UW-458,3.25,universal_life,2000000,annual,33993.72,,10yr_declining,22038.53,,,True,quota_share,captive_agent,False,False,False,0.029714,0.178825,SOA_2015_VBT,SOA_Scale_MP2023,3.536,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.066857,0.012,True,0.00444,1.0,False,,,,0.12,0.0644,False,normal_rate,4.14,1.07,False,True,False,False,False,0.794,28.1,31.2,preferred_longevity,68.8,baseline,1.023,0.54,True,65.3,True,0.776,1977961.47,267499.68,285437.88,271949.76,64588.07,False,0,-0.69,-20.0
LI-2024-INS004-001490,2020-10-19,4,28,32,1992,female,current_smoker,34.3,70,238,MO,USA,single,bachelors,professional,60862.62,0.616,full_paramedical,135,78,199,41,4.85,109,5.5,True,75.3,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,8,UW-101,1.75,universal_life,100000,annual,435.9,,15yr_declining,301.17,,,True,none,captive_agent,False,False,False,0.002578,0.009122,SOA_2015_VBT,SOA_Scale_MP2023,1.844,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001933,0.022,True,0.00225,1.0,False,,,,0.08,0.0435,False,normal_rate,2.52,0.91,False,False,False,False,False,0.987,70.0,53.8,super_preferred_longevity,100.0,baseline,1.038,0.63,True,25.7,False,,99698.83,3616.73,3598.73,3487.2,828.21,False,0,1.01,-3.27
LI-2024-INS004-001491,2004-02-28,3,28,31,1976,female,never_smoker,27.3,59,135,OH,USA,divorced,less_than_hs,professional,138025.83,0.6507,non_med_guaranteed,119,61,254,57,4.46,96,4.8,False,89.2,,False,False,True,False,False,none,,none,none,anxiety,6,False,False,False,False,False,standard,,,False,False,False,False,12,UW-135,1.08,whole_life,100000,monthly,279.7,,none,184.18,,,False,none,captive_agent,False,False,False,0.001226,0.001398,SOA_2015_VBT,SOA_Scale_MP2023,1.048,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,9.8e-05,0.018,False,,1.0,False,,,,0.04,0.0472,False,normal_rate,2.72,2.73,False,False,False,False,False,0.831,70.0,61.3,super_preferred_longevity,100.0,baseline,1.012,0.696,True,67.8,False,,99815.82,2143.16,2212.09,2237.6,531.43,False,0,3.35,23.08
LI-2024-INS004-001492,2017-08-01,2,65,67,1952,male,former_smoker,22.0,71,157,NE,USA,single,graduate,professional,60428.76,0.7126,full_paramedical,137,88,215,51,4.22,69,,False,76.4,1.91,False,True,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-263,2.25,annuity_deferred,5000000,quarterly,71114.45,,none,45529.65,,,True,facultative,captive_agent,False,False,False,0.024791,0.086906,SOA_2015_VBT,SOA_Scale_MP2023,2.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030989,0.012,False,,1.0,False,,,,0.04,0.0452,False,normal_rate,3.35,2.14,False,False,False,True,False,0.928,23.6,24.1,standard_longevity,59.3,baseline,0.966,0.81,True,67.4,False,,4954470.35,615083.72,588673.46,568915.6,135117.45,False,0,3.33,-10.87
LI-2024-INS004-001493,2012-03-14,13,65,78,1947,female,never_smoker,21.4,72,158,MI,USA,married,some_college,heavy_blue_collar,32439.41,0.9757,limited_exam,134,83,227,52,4.37,90,,False,65.8,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,0.55,,False,False,False,False,20,UW-048,0.96,term_life,500000,annual,3405.35,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.040336,0.029159,SOA_2015_VBT,SOA_Scale_MP2023,0.941,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0386,False,normal_rate,4.97,1.08,False,False,False,False,False,0.766,27.6,17.1,standard_longevity,52.8,baseline,0.768,1.0,True,81.8,False,,500000.0,25315.44,24346.4,23292.59,7260.21,False,0,4.32,17.8
LI-2024-INS004-001494,2000-09-11,18,47,65,1953,female,never_smoker,29.1,63,164,GA,USA,single,some_college,white_collar,170906.29,0.5983,accelerated_UW,142,87,189,42,4.5,80,5.6,False,101.2,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,47,UW-312,2.25,whole_life,2000000,monthly,22765.99,,none,29133.59,,,True,quota_share,captive_agent,False,False,False,0.012981,0.049088,SOA_2015_VBT,SOA_Scale_MP2023,2.408,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016227,0.012,False,,1.0,True,2026-02-13,non_payment,18.0,0.015,0.0183,False,normal_rate,4.89,1.81,False,False,True,False,False,0.87,45.3,27.0,preferred_longevity,62.0,baseline,1.051,0.402,True,29.9,False,,1970866.41,194130.23,168556.9,182127.92,43255.38,False,0,4.48,-17.39
LI-2024-INS004-001495,2016-03-25,10,63,73,1953,female,former_smoker,18.1,65,109,ID,USA,divorced,some_college,professional,27871.19,0.4086,full_paramedical,123,73,261,46,5.67,84,5.3,False,61.7,,False,True,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,,,False,True,False,False,15,UW-455,1.0,whole_life,250000,monthly,1443.86,,none,1337.6,,,False,none,independent_broker,False,False,False,0.033884,0.042748,SOA_2015_VBT,SOA_Scale_MP2023,1.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0275,False,normal_rate,4.08,0.94,False,False,False,False,False,0.834,28.5,18.5,standard_longevity,46.4,baseline,1.194,0.361,False,,False,,248662.4,11251.15,9791.91,10684.56,2916.6,False,0,8.63,13.55
LI-2024-INS004-001496,2002-05-14,12,76,88,1926,female,never_smoker,26.6,59,131,AR,USA,married,bachelors,professional,28635.57,0.3937,non_med_guaranteed,164,97,202,68,2.97,95,,False,,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-258,2.0,whole_life,500000,annual,6565.93,,none,6646.08,,,True,facultative,independent_broker,False,False,False,0.068612,0.25071,SOA_2015_VBT,SOA_Scale_MP2023,2.203,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.068612,0.012,False,,1.0,False,,,,0.015,0.0208,False,normal_rate,3.37,0.75,False,False,False,False,False,0.761,11.4,1.0,sub_standard_longevity,19.9,baseline,1.205,0.443,False,,False,,493353.92,2521.43,2660.93,2626.37,22455.48,False,0,1.37,-10.52
LI-2024-INS004-001497,2014-12-12,7,51,58,1963,male,former_smoker,20.5,67,131,NM,USA,married,bachelors,professional,26126.38,0.8074,full_paramedical,125,72,236,64,3.69,84,,False,82.7,2.76,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-043,0.78,term_life,500000,monthly,2151.25,20.0,none,,,,False,none,captive_agent,False,False,False,0.013,0.009046,SOA_2015_VBT,SOA_Scale_MP2023,0.778,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0527,False,normal_rate,4.65,2.34,False,False,False,False,False,0.757,39.9,38.4,super_preferred_longevity,82.2,baseline,0.894,0.74,True,81.2,False,,500000.0,15545.65,16424.12,17210.0,4087.38,False,0,3.7,24.35
LI-2024-INS004-001498,2021-04-27,1,21,22,2000,male,never_smoker,31.4,64,182,SD,USA,single,bachelors,heavy_blue_collar,48508.48,0.5577,accelerated_UW,99,65,193,55,3.51,84,4.8,False,110.3,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,0.5,5.0,False,False,False,True,4,UW-273,2.25,term_life,100000,annual,419.17,10.0,none,,,,False,none,captive_agent,False,False,False,0.001068,0.006882,SOA_2015_VBT,SOA_Scale_MP2023,2.258,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001335,0.012,True,0.00294,1.0,False,,,,0.1,0.1254,False,normal_rate,3.34,2.48,False,False,False,False,False,0.949,70.0,55.0,super_preferred_longevity,100.0,baseline,1.082,0.648,False,,False,,100000.0,3424.85,3240.99,3353.36,796.42,False,0,0.82,-9.03
LI-2024-INS004-001499,2005-04-05,14,78,92,1927,female,former_smoker,27.7,61,146,MN,USA,married,some_college,light_blue_collar,74172.37,0.8289,full_paramedical,160,97,272,48,5.67,112,5.0,False,58.1,,False,False,True,True,False,none,,none,none,depression,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,17,UW-242,2.5,indexed_ul,2000000,monthly,43627.65,,10yr_declining,47607.59,,,True,coinsurance,independent_broker,False,False,False,0.125621,0.473319,SOA_2015_VBT,SOA_Scale_MP2023,2.582,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.188432,0.012,False,,1.0,False,,,,0.04,0.0415,False,normal_rate,1.25,0.6,False,False,False,False,False,0.971,14.3,1.0,standard_longevity,36.4,baseline,0.878,0.976,False,,False,,1952392.41,16003.51,16305.82,17451.06,149206.56,False,0,-0.45,-4.89
LI-2024-INS004-001500,2004-02-10,11,62,73,1942,female,never_smoker,24.5,68,161,VT,USA,married,graduate,light_blue_collar,20380.35,0.8061,limited_exam,115,62,221,46,4.8,95,5.1,False,,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,45,UW-343,2.25,term_life,500000,monthly,7722.74,20.0,none,,,,False,none,captive_agent,False,False,False,0.025046,0.086075,SOA_2015_VBT,SOA_Scale_MP2023,2.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031308,0.008,False,,1.0,False,,,,0.03,0.0317,False,normal_rate,4.44,0.97,False,False,False,False,False,0.925,29.2,18.2,standard_longevity,51.9,baseline,0.895,0.746,False,,False,,500000.0,52515.17,54824.43,56221.55,15785.28,False,0,-1.22,-12.46
LI-2024-INS004-001501,2007-02-25,17,73,90,1934,female,never_smoker,20.9,63,118,CO,USA,married,high_school,white_collar,20000.0,0.6012,full_paramedical,147,73,200,39,5.13,88,,False,64.4,,False,False,False,False,False,none,,none,none,depression,0,True,False,False,False,False,substandard_table_2,2.09,2.0,True,False,False,False,14,UW-320,1.5,indexed_ul,500000,monthly,5384.94,,15yr_declining,6301.34,5633.4,0.894,False,none,captive_agent,False,False,False,0.111096,0.251005,SOA_2015_VBT,SOA_Scale_MP2023,1.677,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055548,0.005,False,,1.0,False,,,,0.04,0.0293,False,normal_rate,3.57,1.33,False,False,False,False,False,0.753,15.9,1.0,sub_standard_longevity,23.0,baseline,1.049,0.631,False,,False,,493698.66,2251.08,1912.33,2153.98,18416.49,False,0,-0.34,6.18
LI-2024-INS004-001502,2007-10-23,16,62,78,1945,non_binary,never_smoker,34.7,70,241,OH,USA,divorced,high_school,professional,59327.95,0.3859,full_paramedical,165,109,241,52,4.63,87,5.1,False,63.1,,False,False,False,False,True,breast,5.3,none,none,schizophrenia,6,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,50,UW-149,2.25,term_life,500000,monthly,6646.13,30.0,none,,,,False,none,independent_broker,False,False,False,0.044655,0.183505,SOA_2015_VBT,SOA_Scale_MP2023,2.362,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055819,0.008,False,,1.0,False,,,,0.03,0.0417,False,normal_rate,4.74,2.76,False,False,False,False,False,0.787,23.9,7.9,sub_standard_longevity,30.1,baseline,1.211,0.324,False,,False,,500000.0,19507.32,19939.56,21001.77,19061.1,False,0,3.66,-18.69
LI-2024-INS004-001503,2005-08-12,17,55,72,1950,female,never_smoker,28.1,72,207,OR,USA,married,high_school,professional,140351.43,0.2847,limited_exam,136,84,186,45,4.13,91,5.3,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-403,1.25,term_life,500000,quarterly,4049.15,20.0,none,,,,False,none,independent_broker,False,False,False,0.023034,0.044044,SOA_2015_VBT,SOA_Scale_MP2023,1.292,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005759,0.012,False,,1.0,False,,,,0.03,0.0442,False,normal_rate,3.32,1.72,False,False,False,False,False,0.842,35.6,18.6,standard_longevity,44.7,baseline,1.286,0.292,False,,False,,500000.0,32771.0,28775.7,30125.68,8146.89,False,0,2.7,8.94
LI-2024-INS004-001504,2022-08-10,1,38,39,1984,male,never_smoker,38.8,74,302,ND,USA,married,bachelors,light_blue_collar,44873.91,0.3408,full_paramedical,152,96,235,41,5.73,112,5.7,False,,,False,False,False,True,False,none,,pre_diabetes,none,bipolar,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,55,UW-253,2.5,indexed_ul,1000000,monthly,9336.36,,10yr_declining,5915.37,,,True,excess_of_loss,bank,False,False,False,0.002419,0.013701,SOA_2015_VBT,SOA_Scale_MP2023,2.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003629,0.02,True,0.00207,1.0,False,,,,0.11,0.0707,False,normal_rate,4.0,1.4,False,False,False,False,False,0.991,54.6,57.9,super_preferred_longevity,100.0,baseline,1.244,0.449,True,58.1,False,,994084.63,76618.77,70442.15,74690.88,17739.08,False,0,4.07,-20.0
LI-2024-INS004-001505,2005-08-01,18,23,41,1982,female,never_smoker,37.3,66,231,FL,USA,single,bachelors,white_collar,61595.82,0.6351,full_paramedical,130,71,275,38,7.24,128,5.5,False,,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-143,1.5,annuity_deferred,500000,annual,2556.15,,none,3249.21,,,False,none,independent_broker,False,False,False,0.002209,0.004727,SOA_2015_VBT,SOA_Scale_MP2023,1.602,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001105,0.02,False,,1.0,False,,,,0.01,0.0119,False,normal_rate,4.66,2.92,False,False,False,False,False,0.968,70.0,52.0,super_preferred_longevity,100.0,baseline,1.024,0.606,False,,False,,496750.79,22402.82,18566.35,20449.2,4856.68,False,0,1.8,3.7
LI-2024-INS004-001506,2001-06-01,10,28,38,1973,male,never_smoker,34.6,60,177,OK,USA,married,bachelors,white_collar,38814.2,0.6338,full_paramedical,135,78,190,45,4.22,98,5.1,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-035,1.25,whole_life,100000,annual,438.7,,none,381.41,,,False,none,bank,False,False,False,0.00227,0.003852,SOA_2015_VBT,SOA_Scale_MP2023,1.412,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.018,False,,1.0,False,,,,0.02,0.0239,False,normal_rate,3.79,1.04,False,False,False,False,False,0.804,63.9,53.9,super_preferred_longevity,100.0,baseline,1.025,0.615,False,,False,,99618.59,3278.09,3091.94,3509.6,833.53,False,0,0.55,8.91
LI-2024-INS004-001507,2021-09-23,6,46,52,1975,male,unknown,23.6,69,159,HI,USA,single,some_college,white_collar,31307.1,0.6663,limited_exam,106,64,174,42,4.14,66,4.5,False,,2.76,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-053,2.25,term_life,1000000,monthly,10141.82,20.0,none,,,,True,coinsurance,independent_broker,True,False,False,0.007227,0.030524,SOA_2015_VBT,SOA_Scale_MP2023,2.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009034,0.018,True,0.00516,1.0,False,,,,0.05,0.0583,False,normal_rate,5.82,2.34,False,True,False,False,True,0.791,46.4,40.4,super_preferred_longevity,83.1,baseline,1.0,0.682,False,,False,,1000000.0,74241.64,70604.53,81134.56,19269.46,False,0,-1.25,-12.55
LI-2024-INS004-001508,2004-06-25,9,46,55,1958,female,unknown,20.1,72,147,MT,USA,married,some_college,heavy_blue_collar,20000.0,0.7925,full_paramedical,115,77,167,48,3.48,60,,False,91.8,,True,False,True,True,False,none,,none,none,none,5,True,False,False,False,True,substandard_table_6,6.24,6.0,True,False,False,False,40,UW-471,2.5,term_life,1000000,monthly,12740.84,25.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.006785,0.025662,SOA_2015_VBT,SOA_Scale_MP2023,2.52,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010178,0.012,False,,1.0,False,,,,0.05,0.0533,False,normal_rate,2.53,1.25,False,False,False,False,False,0.751,50.8,37.4,super_preferred_longevity,90.5,baseline,0.906,1.0,False,,True,-2.955,1000000.0,96386.03,89758.31,101926.72,24207.6,False,0,1.06,-18.45
LI-2024-INS004-001509,2018-08-21,5,65,70,1953,female,never_smoker,26.2,63,147,NV,USA,married,graduate,white_collar,330421.08,0.4669,limited_exam,121,73,243,54,4.5,96,4.9,False,89.0,,False,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,,,False,False,False,False,23,UW-177,0.94,term_life,5000000,monthly,24293.06,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.020055,0.022668,SOA_2015_VBT,SOA_Scale_MP2023,0.983,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2025-08-23,non_payment,5.0,0.07,0.13,False,normal_rate,4.88,1.5,False,False,False,False,False,0.944,29.8,24.8,preferred_longevity,66.7,baseline,1.15,0.289,False,,False,,5000000.0,200930.15,169148.74,194344.48,46156.81,False,0,4.6,19.34
LI-2024-INS004-001510,2018-04-09,7,43,50,1975,male,never_smoker,29.1,60,149,TX,USA,single,high_school,professional,134250.36,0.5834,full_paramedical,123,77,163,38,4.29,108,5.1,False,86.4,3.82,True,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,standard_plus,,,False,False,False,False,60,UW-441,0.93,universal_life,1000000,monthly,4325.55,,15yr_declining,3475.94,,,True,none,captive_agent,False,False,False,0.005359,0.005387,SOA_2015_VBT,SOA_Scale_MP2023,0.946,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0333,False,normal_rate,2.06,1.87,False,False,False,False,False,0.894,49.0,42.6,super_preferred_longevity,85.2,baseline,1.062,0.554,False,,True,0.401,996524.06,33217.58,30579.45,34604.4,8218.55,False,0,7.75,20.37
LI-2024-INS004-001511,2014-11-26,8,24,32,1990,female,current_smoker,24.6,62,134,CT,USA,divorced,graduate,professional,24219.55,0.3719,full_paramedical,106,65,193,56,3.45,103,,True,107.7,,False,False,False,False,True,lung,0.6,none,none,none,1,False,False,False,False,True,declined,,,False,False,True,False,43,UW-227,7.0,term_life,250000,monthly,4420.34,20.0,none,,,,True,quota_share,bank,False,False,False,0.002578,0.037436,SOA_2015_VBT,SOA_Scale_MP2023,6.979,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015467,0.022,False,,1.0,False,,,,0.05,0.0701,False,normal_rate,4.52,2.03,False,False,False,False,False,0.799,70.0,52.5,super_preferred_longevity,96.8,baseline,1.221,0.448,False,,True,-1.659,250000.0,37750.34,35407.25,35362.72,8398.65,False,0,-5.0,-20.0
LI-2024-INS004-001512,2004-06-19,14,40,54,1964,male,current_smoker,29.5,66,182,TX,USA,married,high_school,heavy_blue_collar,66779.0,0.5776,non_med_guaranteed,113,76,202,49,4.12,106,5.7,True,,3.15,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,1.28,2.0,False,False,False,False,7,UW-417,1.5,whole_life,250000,monthly,1893.07,,none,2072.04,,,False,none,bank,False,False,False,0.014562,0.031982,SOA_2015_VBT,SOA_Scale_MP2023,1.59,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007281,0.015,False,,1.0,False,,,,0.015,0.0186,False,normal_rate,4.35,2.54,True,False,False,False,False,0.881,50.1,36.1,preferred_longevity,75.3,baseline,1.067,0.547,False,,False,,247927.96,14284.02,14430.34,15144.56,3596.83,False,0,5.29,9.32
LI-2024-INS004-001513,2018-08-24,5,53,58,1965,male,never_smoker,35.1,72,259,MA,USA,married,high_school,heavy_blue_collar,37515.43,0.5638,full_paramedical,131,82,199,55,3.62,96,4.5,False,97.8,3.1,False,False,True,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,1.4,1.0,False,False,False,False,21,UW-053,1.25,term_life,1000000,monthly,5795.5,20.0,none,,,,True,none,captive_agent,False,False,False,0.010307,0.017364,SOA_2015_VBT,SOA_Scale_MP2023,1.332,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002577,0.015,False,,1.0,False,,,,0.07,0.2823,False,normal_rate,3.53,1.97,False,False,False,True,False,0.881,40.2,35.2,super_preferred_longevity,83.8,baseline,1.077,0.439,False,,False,,1000000.0,44696.8,39576.56,46364.0,11011.45,False,0,2.15,8.32
LI-2024-INS004-001514,2001-01-13,13,19,32,1982,female,former_smoker,23.1,69,156,MT,USA,widowed,high_school,white_collar,176129.46,0.3695,limited_exam,131,80,243,41,5.93,78,5.3,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,28,UW-347,1.25,whole_life,100000,quarterly,304.11,,none,303.52,,,False,none,captive_agent,False,False,False,0.001676,0.003142,SOA_2015_VBT,SOA_Scale_MP2023,1.329,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000419,0.02,False,,1.0,False,,,,0.015,0.0211,False,normal_rate,4.03,2.02,False,False,False,False,False,0.969,70.0,55.0,super_preferred_longevity,100.0,baseline,1.223,0.406,False,,False,,99696.48,2246.26,2484.49,2432.88,577.81,False,0,3.36,13.1
LI-2024-INS004-001515,2007-10-24,18,44,62,1963,male,former_smoker,19.5,76,159,IN,USA,married,high_school,light_blue_collar,89820.13,0.8856,full_paramedical,142,91,160,48,3.33,74,,False,,3.88,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,50,UW-077,1.25,universal_life,500000,monthly,3085.1,,15yr_declining,3835.08,,,False,none,captive_agent,False,False,False,0.018266,0.027238,SOA_2015_VBT,SOA_Scale_MP2023,1.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004567,0.015,False,,1.0,False,,,,0.04,0.0397,False,normal_rate,2.33,2.05,False,False,False,False,False,0.981,47.2,29.2,preferred_longevity,69.6,baseline,0.836,0.915,False,,False,,496164.92,24641.71,24993.26,24680.8,5861.69,False,0,2.77,22.28
LI-2024-INS004-001516,2000-09-07,14,62,76,1938,female,former_smoker,30.6,64,178,GA,USA,married,bachelors,light_blue_collar,77889.85,0.6248,full_paramedical,131,81,169,53,3.19,102,5.9,False,83.1,,False,False,True,False,False,none,,none,none,none,1,False,False,True,False,True,preferred,,,False,False,False,False,66,UW-242,0.79,term_life,500000,annual,2473.3,15.0,none,,,,False,none,employer_group,False,False,False,0.044458,0.036087,SOA_2015_VBT,SOA_Scale_MP2023,0.787,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0432,False,normal_rate,2.77,2.48,False,False,False,False,False,0.891,30.6,16.6,standard_longevity,56.8,baseline,1.031,0.808,False,,False,,500000.0,16629.59,16365.01,16422.71,5372.01,False,0,6.0,23.0
LI-2024-INS004-001517,2013-07-13,10,29,39,1984,male,never_smoker,15.0,74,116,CA,USA,divorced,some_college,heavy_blue_collar,23386.02,0.7633,limited_exam,112,56,224,62,3.61,87,,False,84.7,,False,False,False,False,False,none,,none,none,schizophrenia,3,True,False,False,False,False,declined,,,True,False,True,False,3,UW-049,7.0,whole_life,250000,monthly,6015.92,,none,5620.03,,,False,none,worksite,False,False,False,0.002419,0.031457,SOA_2015_VBT,SOA_Scale_MP2023,7.549,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014516,0.02,False,,1.0,False,,,,0.02,0.0218,False,normal_rate,4.32,0.87,False,False,False,False,False,0.871,65.3,59.4,super_preferred_longevity,100.0,baseline,0.928,0.733,True,57.9,False,,244379.97,43492.3,43512.93,48127.36,11430.25,False,0,-5.0,-20.0
LI-2024-INS004-001518,2023-05-24,2,77,79,1946,male,former_smoker,23.8,65,143,OR,USA,divorced,some_college,professional,118420.96,0.8193,full_paramedical,150,94,239,48,4.98,93,,False,,5.17,False,False,False,True,False,none,,none,none,none,1,True,False,False,False,True,substandard_table_6,4.84,6.0,True,False,False,False,34,UW-123,2.5,universal_life,500000,semi_annual,7261.19,,10yr_declining,4924.21,,,False,none,bank,False,False,False,0.070929,0.270954,SOA_2015_VBT,SOA_Scale_MP2023,2.62,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.106394,0.008,False,,1.0,False,,,,0.08,0.0376,False,normal_rate,3.64,1.93,False,False,False,False,False,0.866,10.8,8.8,standard_longevity,38.0,baseline,0.886,0.751,False,,False,,495075.79,27537.5,23580.16,25559.39,20302.29,False,0,-2.7,-18.78
LI-2024-INS004-001519,2015-08-25,3,66,69,1949,male,never_smoker,20.8,73,157,NE,USA,married,bachelors,white_collar,101337.21,0.7797,non_med_guaranteed,147,83,163,52,3.13,85,5.2,False,65.2,5.53,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-493,1.5,whole_life,100000,annual,944.02,,none,686.74,,,False,none,independent_broker,False,False,False,0.023353,0.044463,SOA_2015_VBT,SOA_Scale_MP2023,1.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011677,0.008,False,,1.0,False,,,,0.04,0.043,False,normal_rate,2.87,2.79,False,False,False,False,False,0.897,22.1,19.1,standard_longevity,52.8,baseline,0.915,0.758,False,,False,,99313.26,6681.86,7317.55,7212.31,1861.61,False,0,1.86,6.44
LI-2024-INS004-001520,2003-10-09,21,64,85,1939,male,never_smoker,27.0,72,198,KY,USA,single,high_school,professional,42839.56,0.3926,full_paramedical,145,91,198,58,3.41,105,5.3,False,62.3,6.4,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-244,2.25,indexed_ul,1000000,monthly,18069.39,,10yr_declining,25772.5,,,True,facultative,worksite,False,False,False,0.093548,0.387939,SOA_2015_VBT,SOA_Scale_MP2023,2.403,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.116936,0.005,False,,1.0,False,,,,0.04,0.0554,False,normal_rate,3.26,1.32,False,False,False,False,False,0.818,20.8,1.0,sub_standard_longevity,19.9,baseline,1.206,0.441,False,,False,,974227.5,6690.1,6794.8,7227.76,61797.31,False,0,2.38,-16.93
LI-2024-INS004-001521,2001-11-21,25,46,71,1955,female,never_smoker,30.7,68,201,WI,USA,married,bachelors,white_collar,49972.56,0.216,accelerated_UW,111,71,190,61,3.11,99,,False,66.3,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,17,UW-162,2.25,group_life,500000,quarterly,5772.39,,none,,,,False,none,worksite,False,False,False,0.02242,0.098341,SOA_2015_VBT,SOA_Scale_MP2023,2.344,cancer,True,2008-11-13,False,False,1121227.28,0.0007,5e-05,1.095,0.028025,0.012,False,,1.0,True,2025-12-01,unknown,25.0,0.1,0.1527,False,normal_rate,3.9,2.78,False,False,False,False,False,0.768,45.1,20.1,standard_longevity,45.9,baseline,1.338,0.164,False,,False,,500000.0,41571.81,40864.78,46179.12,10967.54,False,0,-0.28,-14.5
LI-2024-INS004-001522,2018-03-03,1,44,45,1974,female,never_smoker,31.7,60,162,ND,USA,divorced,bachelors,professional,105781.61,0.6322,limited_exam,128,78,293,53,5.53,97,,False,,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-088,1.25,whole_life,500000,semi_annual,2105.95,,none,1415.03,,,False,none,worksite,False,True,False,0.00293,0.004604,SOA_2015_VBT,SOA_Scale_MP2023,1.288,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000732,0.018,False,,1.0,True,2025-05-31,voluntary_surrender,1.0,0.06,0.0717,False,normal_rate,1.08,1.78,False,False,False,False,False,0.966,52.1,51.1,super_preferred_longevity,98.6,baseline,1.026,0.427,False,,False,,498584.97,18415.22,16314.9,16847.6,4001.3,False,0,4.33,22.89
LI-2024-INS004-001523,2005-08-13,20,55,75,1950,female,former_smoker,26.5,71,190,MA,USA,single,graduate,professional,195069.46,0.0448,limited_exam,138,83,248,45,5.51,111,,False,63.8,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-270,2.25,term_life,2000000,semi_annual,26127.76,15.0,none,,,,True,none,independent_broker,False,False,False,0.038919,0.181797,SOA_2015_VBT,SOA_Scale_MP2023,2.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048649,0.012,False,,1.0,False,,,,0.03,0.0499,False,normal_rate,3.85,2.77,False,False,False,True,False,0.906,34.6,14.3,sub_standard_longevity,34.6,baseline,1.466,0.054,True,49.3,True,-0.637,2000000.0,158107.37,136949.85,149450.79,61557.0,False,0,3.26,-18.16
LI-2024-INS004-001524,2007-02-05,17,34,51,1973,male,former_smoker,22.7,65,136,RI,USA,single,bachelors,hazardous,20000.0,0.575,full_paramedical,132,86,194,82,2.37,118,,False,80.7,1.6,False,True,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,preferred,2.68,,True,False,False,False,5,UW-306,0.77,universal_life,250000,monthly,883.05,,15yr_declining,1061.89,,,False,none,captive_agent,False,False,False,0.007541,0.006585,SOA_2015_VBT,SOA_Scale_MP2023,0.817,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0496,False,normal_rate,3.49,0.65,False,False,False,False,False,0.911,57.7,42.0,super_preferred_longevity,84.1,baseline,1.069,0.769,True,44.0,False,,248938.11,7079.27,7342.25,7064.4,1677.79,False,0,4.14,25.6
LI-2024-INS004-001525,2024-07-24,1,25,26,1999,male,current_smoker,24.8,75,198,IA,USA,married,bachelors,light_blue_collar,121435.53,0.5269,full_paramedical,103,69,192,51,3.76,79,4.6,True,86.4,,True,False,False,False,False,none,,none,none,none,20,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,21,UW-245,1.5,universal_life,2000000,quarterly,7196.0,,10yr_declining,4352.47,,,True,excess_of_loss,worksite,False,False,False,0.002457,0.005697,SOA_2015_VBT,SOA_Scale_MP2023,1.646,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001229,0.022,False,,1.0,False,,,,0.12,0.069,False,normal_rate,2.66,0.64,False,False,False,False,False,0.892,70.0,64.9,super_preferred_longevity,100.0,baseline,1.105,0.523,True,84.3,False,,1995647.53,52514.33,49496.64,57568.0,13672.4,False,0,1.74,10.88
LI-2024-INS004-001526,2005-09-06,1,25,26,1980,male,unknown,30.8,76,253,CT,USA,married,graduate,white_collar,33510.69,0.6461,full_paramedical,114,72,224,50,4.48,129,8.0,False,108.9,,False,False,False,False,False,none,,type_2,none,depression,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,35,UW-470,2.25,term_life,500000,annual,2773.66,20.0,none,,,,False,none,worksite,False,False,False,0.001413,0.005237,SOA_2015_VBT,SOA_Scale_MP2023,2.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001766,0.02,False,,1.0,True,2026-03-07,non_payment,1.0,0.1,0.1183,False,normal_rate,2.49,2.27,False,False,False,False,False,0.851,68.2,55.0,super_preferred_longevity,100.0,baseline,1.015,0.439,False,,False,,500000.0,21355.12,22368.53,22189.28,5269.95,False,0,2.03,-11.33
LI-2024-INS004-001527,2005-05-28,10,27,37,1978,female,never_smoker,29.9,58,143,ID,USA,married,some_college,white_collar,89703.91,0.8753,full_paramedical,129,87,189,55,3.44,84,,False,99.2,,False,False,False,True,False,none,,none,none,depression,3,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,34,UW-131,2.5,universal_life,100000,monthly,726.62,,15yr_declining,633.32,,,False,none,direct_to_consumer,True,False,False,0.001707,0.006317,SOA_2015_VBT,SOA_Scale_MP2023,2.608,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002561,0.018,False,,1.0,False,,,,0.06,0.0378,False,normal_rate,5.55,1.37,False,False,False,False,True,0.809,70.0,55.0,super_preferred_longevity,100.0,baseline,0.844,0.674,False,,False,,99366.68,6365.1,5084.03,5812.96,1380.58,False,0,-1.36,-17.92
LI-2024-INS004-001528,2008-03-22,17,52,69,1956,male,never_smoker,31.2,68,205,KS,USA,married,graduate,white_collar,279052.93,0.8971,full_paramedical,122,73,205,40,5.12,86,,False,,10.91,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-053,1.25,whole_life,1000000,annual,6597.48,,none,7888.45,,,True,none,captive_agent,False,False,False,0.023822,0.031079,SOA_2015_VBT,SOA_Scale_MP2023,1.275,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005955,0.012,False,,1.0,False,,,,0.015,0.0147,False,normal_rate,3.13,1.0,False,False,False,False,False,0.981,37.9,23.9,preferred_longevity,61.8,baseline,0.827,0.807,True,75.2,False,,992111.55,56760.52,47674.43,52779.84,12535.21,False,0,4.16,12.05
LI-2024-INS004-001529,2000-06-24,9,38,47,1962,female,never_smoker,32.4,68,213,OK,USA,single,less_than_hs,professional,187771.22,0.8516,non_med_guaranteed,133,71,240,48,5.0,110,4.1,False,85.9,,True,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,standard,,,False,False,False,False,21,UW-198,1.08,universal_life,250000,monthly,1039.64,,10yr_declining,939.14,,,False,none,bank,False,False,False,0.00325,0.003331,SOA_2015_VBT,SOA_Scale_MP2023,1.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00026,0.015,False,,1.0,False,,,,0.06,0.0275,False,normal_rate,3.82,2.55,False,False,False,False,False,0.923,56.9,47.9,super_preferred_longevity,97.1,baseline,0.861,0.845,False,,False,,249060.86,7995.81,8160.69,8317.12,1975.32,False,0,5.88,23.59
LI-2024-INS004-001530,2011-03-12,11,64,75,1947,female,never_smoker,31.0,61,163,MA,USA,single,bachelors,light_blue_collar,39251.93,0.8204,full_paramedical,166,99,256,63,4.06,110,5.0,False,,,False,False,False,True,False,none,,none,none,none,17,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,59,UW-211,2.5,term_life,2000000,monthly,33965.14,30.0,none,,,,True,none,captive_agent,False,False,False,0.031051,0.115694,SOA_2015_VBT,SOA_Scale_MP2023,2.516,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046577,0.008,False,,1.0,False,,,,0.03,0.0313,False,normal_rate,7.03,1.79,False,False,False,False,False,0.816,28.0,17.0,standard_longevity,50.3,baseline,0.885,0.844,False,,False,,2000000.0,250489.88,239054.11,230962.95,72685.4,False,0,-1.03,-20.0
LI-2024-INS004-001531,2012-12-04,7,25,32,1987,male,never_smoker,29.6,60,151,TX,USA,married,high_school,white_collar,148971.56,0.2155,non_med_guaranteed,120,78,214,64,3.34,89,,False,83.0,,False,True,False,False,False,none,,none,none,bipolar,13,False,True,True,False,True,substandard_table_4,,4.0,False,False,False,False,40,UW-060,2.0,term_life,500000,quarterly,2549.19,10.0,none,,,,False,none,bank,True,False,False,0.001611,0.006377,SOA_2015_VBT,SOA_Scale_MP2023,2.21,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001611,0.02,False,,1.0,False,,,,0.05,0.0764,False,normal_rate,4.77,1.27,False,False,False,False,True,0.846,67.5,55.0,super_preferred_longevity,98.2,baseline,1.338,0.174,False,,False,,500000.0,18603.12,19042.58,20393.52,4843.46,False,0,3.88,-6.41
LI-2024-INS004-001532,2013-01-14,3,31,34,1982,female,current_smoker,33.3,67,212,CA,USA,married,bachelors,white_collar,141811.38,0.8038,full_paramedical,133,92,195,38,5.13,103,5.1,True,69.9,,False,False,True,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,24,UW-031,2.5,universal_life,250000,annual,1940.33,,15yr_declining,1380.44,,,False,none,captive_agent,False,False,False,0.002868,0.01118,SOA_2015_VBT,SOA_Scale_MP2023,2.673,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004302,0.02,False,,1.0,False,,,,0.08,0.0381,False,normal_rate,3.42,0.54,True,False,False,False,False,0.994,70.0,66.0,super_preferred_longevity,100.0,baseline,0.897,0.768,True,88.9,False,,248619.56,16379.57,13723.56,15522.64,3686.63,False,0,2.13,-19.69
LI-2024-INS004-001533,2016-03-07,1,38,39,1978,female,never_smoker,24.1,66,149,WV,USA,married,graduate,white_collar,53333.44,0.2574,non_med_guaranteed,129,79,215,42,5.12,60,5.7,False,98.6,,False,False,True,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-392,2.25,term_life,250000,quarterly,1637.94,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001936,0.008612,SOA_2015_VBT,SOA_Scale_MP2023,2.448,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.018,False,,1.0,True,2025-06-11,replacement,1.0,0.1,0.2928,False,normal_rate,0.95,1.93,False,False,False,False,False,0.944,60.2,56.4,super_preferred_longevity,100.0,baseline,1.307,0.33,True,41.4,False,,250000.0,13628.29,12466.39,13103.52,3112.09,False,0,0.24,-18.94
LI-2024-INS004-001534,2022-09-04,2,25,27,1997,male,never_smoker,20.9,75,167,CO,USA,single,high_school,heavy_blue_collar,30564.16,0.6659,full_paramedical,86,50,219,43,5.09,75,,False,,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,0.55,4.0,False,False,False,False,26,UW-492,2.0,term_life,500000,semi_annual,2346.34,20.0,none,,,,False,none,bank,False,False,False,0.001279,0.004125,SOA_2015_VBT,SOA_Scale_MP2023,2.224,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001279,0.022,True,0.0,1.0,False,,,,0.07,0.0817,False,normal_rate,2.96,1.88,False,False,False,False,False,0.755,70.0,55.0,super_preferred_longevity,100.0,baseline,1.001,0.677,False,,False,,500000.0,18382.24,18125.19,18770.72,4458.05,False,0,1.92,-8.77
LI-2024-INS004-001535,2000-12-21,2,56,58,1944,male,current_smoker,23.1,70,161,NE,USA,divorced,graduate,light_blue_collar,203633.19,0.9238,full_paramedical,125,82,220,47,4.68,79,,True,,8.59,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,5,UW-377,1.75,indexed_ul,1000000,monthly,8176.58,,15yr_declining,5510.75,,,True,coinsurance,captive_agent,False,False,False,0.017414,0.0377,SOA_2015_VBT,SOA_Scale_MP2023,1.753,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01306,0.008,False,,1.0,False,,,,0.08,0.0346,False,normal_rate,4.33,2.61,False,False,False,False,False,0.909,31.9,29.9,preferred_longevity,71.2,baseline,0.807,0.844,False,,False,,994489.25,70546.84,65623.98,65412.64,15535.5,False,0,-2.39,3.94
LI-2024-INS004-001536,2023-09-14,3,27,30,1996,male,never_smoker,25.5,75,203,MT,USA,widowed,bachelors,professional,76705.63,0.9338,full_paramedical,132,74,194,61,3.18,98,,True,88.8,,False,False,False,False,False,none,,none,none,anxiety,8,False,False,False,False,False,preferred,,,False,False,False,False,23,UW-208,0.77,whole_life,5000000,quarterly,9615.16,,none,6346.86,,,True,none,captive_agent,False,False,False,0.00292,0.001931,SOA_2015_VBT,SOA_Scale_MP2023,0.827,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.04,0.0381,False,normal_rate,5.63,2.69,False,False,False,False,False,0.793,69.9,57.3,super_preferred_longevity,100.0,baseline,0.8,0.871,True,46.7,False,,4993653.14,73880.36,65783.76,76921.28,18268.8,False,0,3.93,24.33
LI-2024-INS004-001537,2000-04-02,24,45,69,1955,male,never_smoker,26.3,63,148,OK,USA,married,bachelors,light_blue_collar,30938.51,0.4397,limited_exam,143,99,244,44,5.55,95,,False,94.0,2.13,False,False,False,True,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,47,UW-142,2.5,term_life,250000,annual,3868.48,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.023536,0.11008,SOA_2015_VBT,SOA_Scale_MP2023,2.715,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035304,0.012,False,,1.0,False,,,,0.03,0.0404,False,normal_rate,4.44,1.91,False,False,False,False,False,0.755,43.0,19.0,standard_longevity,47.6,baseline,1.17,0.612,False,,False,,250000.0,29254.1,28737.37,29400.45,7659.59,False,0,-2.76,-20.0
LI-2024-INS004-001538,2021-03-04,4,48,52,1973,female,former_smoker,15.0,68,98,VT,USA,married,bachelors,heavy_blue_collar,104696.91,0.8006,simplified_issue,113,75,151,66,2.29,64,,False,,,False,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,declined,,,False,False,True,False,3,UW-450,7.0,term_life,500000,annual,15145.87,15.0,none,,,,False,none,independent_broker,False,False,False,0.006536,0.078322,SOA_2015_VBT,SOA_Scale_MP2023,6.1,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039214,0.018,True,0.00325,1.0,False,,,,0.07,0.3085,False,normal_rate,3.75,1.95,False,False,False,True,False,0.881,48.6,44.6,super_preferred_longevity,91.4,baseline,0.9,0.88,False,,False,,500000.0,129466.41,119174.36,121166.96,28777.15,False,0,-5.0,-20.0
LI-2024-INS004-001539,2010-10-03,9,73,82,1937,female,never_smoker,27.2,71,195,WA,USA,married,high_school,white_collar,226362.58,0.6254,non_med_guaranteed,137,83,176,39,4.51,93,,False,82.4,,True,True,False,False,False,none,,none,none,none,22,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,22,UW-251,1.75,universal_life,250000,semi_annual,3307.1,,15yr_declining,2910.13,,,False,none,independent_broker,False,False,False,0.057289,0.159792,SOA_2015_VBT,SOA_Scale_MP2023,1.978,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042967,0.005,False,,1.0,False,,,,0.06,0.0324,False,normal_rate,4.31,2.32,False,False,False,False,False,0.874,16.5,7.5,sub_standard_longevity,33.1,baseline,1.031,0.671,False,,False,,247089.87,8981.82,9977.28,9921.3,9590.59,False,0,1.17,-0.77
LI-2024-INS004-001540,2022-10-02,1,67,68,1955,male,unknown,26.9,66,166,VT,USA,married,bachelors,white_collar,24640.84,0.3886,simplified_issue,132,72,220,47,4.68,128,5.4,False,,2.32,False,True,False,False,False,none,,none,none,anxiety,6,False,False,False,True,True,standard_plus,,,False,False,False,False,35,UW-298,0.95,term_life,500000,annual,2500.81,20.0,none,,,,False,none,bank,False,False,False,0.024807,0.03477,SOA_2015_VBT,SOA_Scale_MP2023,0.967,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00578,1.0,False,,,,0.1,0.1389,False,normal_rate,5.47,2.08,True,False,False,False,False,0.93,20.8,18.7,standard_longevity,46.4,baseline,1.209,0.413,False,,True,-0.765,500000.0,17337.15,16307.45,18706.06,5011.62,False,0,4.67,19.98
LI-2024-INS004-001541,2023-04-27,4,23,27,2000,female,never_smoker,32.2,66,199,PA,USA,married,graduate,heavy_blue_collar,68394.24,0.8284,full_paramedical,123,73,166,41,4.05,102,5.4,False,81.3,,False,False,False,False,False,none,,none,none,none,5,False,True,False,False,False,standard,0.73,,False,False,False,False,14,UW-052,1.06,term_life,250000,quarterly,645.6,20.0,none,,,,True,coinsurance,captive_agent,True,False,False,0.001023,0.001036,SOA_2015_VBT,SOA_Scale_MP2023,1.084,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,6.1e-05,0.012,False,,1.0,False,,,,0.07,0.0726,False,normal_rate,2.37,1.7,False,False,False,False,False,0.922,70.0,55.0,super_preferred_longevity,100.0,baseline,0.879,0.879,False,,False,,250000.0,4726.75,4797.16,5164.8,1226.64,False,0,0.89,22.31
LI-2024-INS004-001542,2023-11-27,4,21,25,2002,male,current_smoker,31.0,69,210,SC,USA,married,bachelors,white_collar,85203.19,0.6202,limited_exam,120,81,231,51,4.53,94,,True,79.3,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-129,1.5,term_life,1000000,annual,3593.98,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.002365,0.005251,SOA_2015_VBT,SOA_Scale_MP2023,1.662,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001183,0.012,False,,1.0,False,,,,0.07,0.0843,False,normal_rate,2.69,0.56,False,False,False,False,False,0.847,70.0,56.2,super_preferred_longevity,100.0,baseline,1.035,0.5,True,40.5,False,,1000000.0,27096.24,25114.81,28751.84,6828.56,False,0,4.38,2.66
LI-2024-INS004-001543,2015-10-23,8,51,59,1964,male,never_smoker,28.7,67,183,WA,USA,married,bachelors,heavy_blue_collar,21267.07,0.8841,non_med_guaranteed,138,89,239,38,6.29,97,5.0,False,92.2,4.29,False,True,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,1.31,2.0,False,False,False,False,12,UW-478,1.5,universal_life,1000000,quarterly,6558.57,,10yr_declining,5184.14,,,True,facultative,worksite,False,False,False,0.011046,0.020093,SOA_2015_VBT,SOA_Scale_MP2023,1.576,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005523,0.015,False,,1.0,False,,,,0.06,0.0268,False,normal_rate,4.96,0.64,False,False,False,False,False,0.97,40.3,33.7,preferred_longevity,76.3,baseline,0.837,0.852,True,46.9,False,,994815.86,50521.21,46391.88,52468.56,12461.28,False,0,1.55,6.07
LI-2024-INS004-001544,2019-03-24,1,44,45,1975,male,unknown,35.2,61,186,MO,USA,married,some_college,white_collar,226386.5,0.6598,accelerated_UW,136,75,211,66,3.2,97,5.8,False,88.2,0.33,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,22,UW-347,2.25,term_life,2000000,monthly,15538.42,20.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.004212,0.015462,SOA_2015_VBT,SOA_Scale_MP2023,2.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005264,0.018,False,,1.0,True,2026-02-19,non_payment,1.0,0.1,0.1641,False,normal_rate,4.74,1.76,False,False,True,False,False,0.959,48.3,52.0,super_preferred_longevity,100.0,baseline,1.005,0.707,True,63.2,False,,2000000.0,131311.16,126939.12,124307.36,29523.0,False,0,0.14,-12.03
LI-2024-INS004-001545,2008-04-03,10,31,41,1977,male,former_smoker,34.6,71,248,IN,USA,married,graduate,professional,101052.68,0.3673,full_paramedical,136,81,187,41,4.56,107,5.8,False,84.9,1.77,False,False,False,False,False,none,,none,none,none,0,False,True,True,False,True,substandard_table_1,,1.0,False,False,False,False,54,UW-449,1.25,term_life,1000000,monthly,4887.81,20.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.00359,0.007007,SOA_2015_VBT,SOA_Scale_MP2023,1.39,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000897,0.018,False,,1.0,False,,,,0.05,0.0984,False,normal_rate,4.82,0.75,False,False,False,False,False,0.908,60.5,50.5,super_preferred_longevity,93.8,baseline,1.225,0.423,False,,False,,1000000.0,42862.43,35888.43,39102.48,9286.84,False,0,0.75,15.02
LI-2024-INS004-001546,2000-11-25,7,76,83,1924,male,never_smoker,19.2,73,145,AR,USA,single,graduate,heavy_blue_collar,74841.13,0.4017,full_paramedical,135,84,207,45,4.6,96,,True,67.6,7.19,False,False,False,False,False,none,,none,none,substance_use_disorder,12,False,False,False,True,True,standard,0.55,,False,True,False,False,55,UW-075,1.0,group_life,2000000,semi_annual,14653.24,,none,,,,True,quota_share,bank,False,False,False,0.10949,0.140043,SOA_2015_VBT,SOA_Scale_MP2023,1.067,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2025-05-19,replacement,7.0,0.12,0.1654,False,normal_rate,4.4,1.51,False,False,True,False,False,0.932,7.2,1.2,sub_standard_longevity,20.3,baseline,1.199,0.332,True,88.9,False,,2000000.0,6855.61,6733.02,7033.56,49879.63,False,0,4.8,9.85
LI-2024-INS004-001547,2006-01-08,11,32,43,1974,male,unknown,35.0,74,272,AZ,USA,single,bachelors,white_collar,66408.78,0.8259,limited_exam,112,70,192,55,3.49,106,4.8,False,,1.18,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,31,UW-128,2.25,universal_life,100000,monthly,852.9,,15yr_declining,800.3,,,False,none,independent_broker,False,False,False,0.003647,0.011983,SOA_2015_VBT,SOA_Scale_MP2023,2.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004558,0.018,False,,1.0,False,,,,0.04,0.0187,False,normal_rate,3.62,2.61,False,False,False,True,False,0.755,60.8,51.8,super_preferred_longevity,100.0,baseline,0.881,0.848,True,46.3,False,,99199.7,6535.16,5955.81,6823.2,1620.51,False,0,2.81,-10.45
LI-2024-INS004-001548,2010-01-05,15,67,82,1943,female,unknown,25.4,70,176,TN,USA,married,graduate,heavy_blue_collar,22590.74,0.746,accelerated_UW,146,84,225,45,5.0,73,4.9,False,,,True,False,False,True,False,none,,none,none,depression,5,False,False,False,False,True,substandard_table_6,1.16,6.0,False,False,False,True,38,UW-446,2.5,term_life,500000,quarterly,9489.62,25.0,none,,,,False,none,captive_agent,False,False,False,0.06353,0.249033,SOA_2015_VBT,SOA_Scale_MP2023,2.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.095296,0.008,False,,1.0,False,,,,0.03,0.0331,False,normal_rate,4.99,0.71,False,False,False,False,False,0.966,24.1,9.1,standard_longevity,37.3,baseline,0.941,0.883,False,,False,,500000.0,31101.63,31505.71,34542.22,26305.23,False,0,1.11,-20.0
LI-2024-INS004-001549,2023-06-28,3,74,77,1949,female,never_smoker,31.4,64,182,NH,USA,divorced,bachelors,white_collar,44900.34,0.5533,full_paramedical,126,69,233,43,5.42,102,,False,69.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,standard,,,False,True,False,False,30,UW-089,1.0,annuity_immediate,250000,quarterly,1430.59,,none,,,,False,none,captive_agent,False,False,False,0.03757,0.044271,SOA_2015_VBT,SOA_Scale_MP2023,1.086,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.005,0.0063,False,normal_rate,3.08,1.87,False,False,False,False,False,0.857,17.2,14.2,standard_longevity,42.1,baseline,1.085,0.534,False,,False,,250000.0,8425.63,8215.01,8125.75,3381.91,False,0,1.02,11.7
LI-2024-INS004-001550,2005-11-02,3,73,76,1932,male,former_smoker,29.9,64,174,MD,USA,married,some_college,white_collar,133918.64,0.7246,accelerated_UW,126,75,233,56,4.16,97,,False,86.5,5.01,False,False,False,False,False,none,,none,none,depression,2,True,False,False,False,False,substandard_table_1,3.01,1.0,True,False,False,True,6,UW-112,1.25,term_life,2000000,monthly,16688.02,20.0,none,,,,True,none,captive_agent,False,False,False,0.053926,0.078579,SOA_2015_VBT,SOA_Scale_MP2023,1.262,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013481,0.005,False,,1.0,False,,,,0.07,0.0784,False,normal_rate,3.85,2.38,True,False,False,False,False,0.751,12.1,10.2,standard_longevity,38.7,baseline,0.957,0.796,True,70.5,False,,2000000.0,71577.58,63368.76,68087.12,44790.65,False,0,0.39,19.18
LI-2024-INS004-001551,2019-09-19,3,54,57,1965,male,never_smoker,24.6,69,166,WA,USA,divorced,bachelors,heavy_blue_collar,61225.48,0.7605,accelerated_UW,125,91,206,46,4.48,82,5.1,False,97.4,2.14,True,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_1,1.1,1.0,False,False,False,True,48,UW-233,1.25,indexed_ul,1000000,semi_annual,6332.2,,10yr_declining,4490.52,,,True,quota_share,bank,False,False,False,0.009477,0.015267,SOA_2015_VBT,SOA_Scale_MP2023,1.464,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002369,0.015,False,,1.0,False,,,,0.08,0.1823,False,normal_rate,3.87,1.2,False,False,False,True,False,0.903,37.0,34.0,preferred_longevity,74.9,baseline,0.93,0.518,False,,False,,995509.48,48686.69,51037.44,50657.6,12031.18,False,0,4.43,11.73
LI-2024-INS004-001552,2005-03-20,22,77,99,1928,female,never_smoker,27.9,64,162,NH,USA,single,bachelors,professional,21415.08,0.9075,simplified_issue,120,79,210,51,4.12,79,,False,,,False,False,False,False,False,none,,none,none,bipolar,6,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-016,2.0,universal_life,1000000,quarterly,18730.71,,10yr_declining,28144.59,,,True,none,captive_agent,False,False,False,0.168624,0.453524,SOA_2015_VBT,SOA_Scale_MP2023,2.062,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.168624,0.012,False,,1.0,False,,,,0.04,0.039,False,normal_rate,4.13,0.56,False,False,False,False,False,0.779,12.8,1.0,sub_standard_longevity,27.6,baseline,0.819,1.0,False,,False,,971855.41,8034.91,7564.65,7492.28,64059.03,False,0,3.29,1.2
LI-2024-INS004-001553,2004-04-23,1,77,78,1927,male,current_smoker,27.5,61,145,CA,USA,single,some_college,light_blue_collar,28577.42,0.7113,full_paramedical,137,89,227,54,4.2,108,,True,79.7,3.65,False,False,False,False,False,none,,none,mild_gold_1,schizophrenia,15,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,28,UW-416,2.75,term_life,250000,semi_annual,4632.87,30.0,none,,,,False,none,employer_group,False,False,False,0.073653,0.334837,SOA_2015_VBT,SOA_Scale_MP2023,2.893,cardiovascular,True,2004-10-03,True,False,824432.25,0.0007,5e-05,1.095,0.128892,0.012,False,,1.0,False,,,,0.1,0.1357,False,normal_rate,1.46,2.33,False,False,False,False,False,0.912,7.9,6.9,sub_standard_longevity,33.5,baseline,0.967,0.73,False,,False,,250000.0,13084.62,11642.28,12786.72,13657.7,False,0,1.36,-17.0
LI-2024-INS004-001554,2022-02-01,4,44,48,1978,male,never_smoker,31.2,61,165,IN,USA,married,less_than_hs,hazardous,29203.93,0.6183,full_paramedical,144,100,174,37,4.7,97,,False,59.9,1.88,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,3.83,,True,True,False,False,7,UW-073,1.0,whole_life,100000,semi_annual,353.16,,none,259.48,,,False,none,captive_agent,False,False,False,0.004587,0.010637,SOA_2015_VBT,SOA_Scale_MP2023,1.056,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00562,1.0,False,,,,0.04,0.0482,False,normal_rate,4.29,2.89,False,False,False,False,False,0.776,48.6,44.6,super_preferred_longevity,88.7,baseline,1.036,0.53,False,,False,,99740.52,2694.87,2645.14,2825.28,671.0,False,0,2.49,25.2
LI-2024-INS004-001555,2019-12-06,8,75,83,1944,female,never_smoker,23.0,58,110,UT,USA,married,graduate,white_collar,50554.47,0.7519,non_med_guaranteed,139,89,237,38,6.24,76,5.6,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-064,1.5,universal_life,1000000,monthly,10798.73,,10yr_declining,8840.44,5666.72,0.641,True,none,bank,False,False,False,0.060694,0.128749,SOA_2015_VBT,SOA_Scale_MP2023,1.732,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030347,0.008,False,,1.0,False,,,,0.06,0.0178,False,normal_rate,3.74,2.34,False,False,False,False,False,0.903,16.2,9.2,standard_longevity,37.6,baseline,0.936,0.755,True,70.2,False,,991159.56,36846.0,37429.58,39739.33,29847.69,False,0,-1.77,1.75
LI-2024-INS004-001556,2022-05-10,3,55,58,1967,female,never_smoker,29.6,59,146,DE,USA,single,graduate,professional,30835.47,0.8011,full_paramedical,133,80,267,58,4.6,116,,False,,,True,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-363,2.0,whole_life,250000,monthly,2177.99,,none,1490.06,,,False,none,bank,False,False,False,0.008245,0.025842,SOA_2015_VBT,SOA_Scale_MP2023,2.002,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008245,0.015,True,0.00275,1.0,False,,,,0.04,0.0424,False,normal_rate,4.51,2.41,False,False,False,False,False,0.915,40.5,37.5,super_preferred_longevity,80.8,baseline,0.899,0.758,False,,False,,248509.94,16693.32,16236.78,17423.92,4138.18,False,0,3.8,0.77
LI-2024-INS004-001557,2017-07-26,2,32,34,1985,non_binary,unknown,26.3,71,188,TX,USA,married,some_college,white_collar,67845.09,0.362,non_med_guaranteed,137,87,191,63,3.03,88,5.7,False,78.9,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-107,2.0,term_life,2000000,monthly,10825.61,30.0,none,,,,True,none,worksite,False,False,False,0.001855,0.006464,SOA_2015_VBT,SOA_Scale_MP2023,2.022,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001855,0.02,False,,1.0,False,,,,0.07,0.0987,False,normal_rate,2.61,2.47,False,False,False,False,False,0.763,60.8,55.0,super_preferred_longevity,100.0,baseline,1.228,0.307,False,,False,,2000000.0,91561.12,87744.8,86604.88,20568.66,False,0,0.1,-5.57
LI-2024-INS004-001558,2014-09-06,13,50,63,1964,female,never_smoker,18.6,58,90,WI,USA,single,bachelors,professional,20000.0,0.5181,full_paramedical,105,55,269,70,3.84,97,4.9,False,75.6,,False,True,True,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,40,UW-007,2.25,annuity_deferred,1000000,monthly,11933.37,,none,12891.35,,,True,none,employer_group,False,True,False,0.012436,0.048302,SOA_2015_VBT,SOA_Scale_MP2023,2.37,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015545,0.015,False,,1.0,False,,,,0.01,0.0154,False,normal_rate,3.5,0.56,False,False,False,False,False,0.942,46.9,34.8,super_preferred_longevity,82.5,baseline,1.111,0.595,True,42.1,False,,987108.65,104872.17,84903.36,95466.96,22673.4,False,0,2.1,-13.81
LI-2024-INS004-001559,2007-11-12,2,35,37,1972,male,never_smoker,28.4,67,181,WI,USA,married,graduate,heavy_blue_collar,89609.96,0.5938,full_paramedical,109,68,221,49,4.51,95,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,0.82,5.0,False,False,False,False,21,UW-195,2.25,term_life,500000,quarterly,3700.53,10.0,none,,,,False,none,captive_agent,True,False,False,0.002134,0.008261,SOA_2015_VBT,SOA_Scale_MP2023,2.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002668,0.018,False,,1.0,False,,,,0.07,0.0857,False,normal_rate,2.09,1.05,False,False,False,False,False,0.881,56.6,54.6,super_preferred_longevity,100.0,baseline,1.055,0.644,False,,False,,500000.0,28589.1,28060.67,29604.24,7031.01,False,0,0.15,-9.95
LI-2024-INS004-001560,2001-01-11,17,71,88,1930,male,never_smoker,30.5,75,244,MT,USA,single,graduate,light_blue_collar,96072.03,0.3373,limited_exam,142,82,221,37,5.97,113,,False,46.8,20.0,True,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,35,UW-171,1.25,universal_life,1000000,annual,10095.74,,15yr_declining,12518.32,5520.58,0.441,True,excess_of_loss,independent_broker,False,False,False,0.115239,0.241494,SOA_2015_VBT,SOA_Scale_MP2023,1.48,cardiovascular,True,2015-09-14,False,False,1732747.08,0.0007,5e-05,1.095,0.02881,0.005,False,,1.0,False,,,,0.04,0.0343,False,normal_rate,2.38,2.04,False,False,False,False,False,0.981,12.2,1.0,sub_standard_longevity,19.1,baseline,1.247,0.448,False,,False,,987481.68,3856.15,4139.46,4038.3,34527.43,False,0,2.72,15.29
LI-2024-INS004-001561,2012-01-11,1,27,28,1985,female,never_smoker,30.7,66,190,MA,USA,single,bachelors,professional,29227.69,0.3283,full_paramedical,121,72,179,44,4.07,113,5.3,False,93.3,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-255,0.81,group_life,500000,semi_annual,1068.79,,none,,,,False,none,worksite,False,False,False,0.001067,0.001005,SOA_2015_VBT,SOA_Scale_MP2023,0.751,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.18,0.2587,False,normal_rate,4.42,1.6,True,False,False,False,False,0.855,69.7,59.5,super_preferred_longevity,100.0,baseline,1.254,0.313,True,58.7,False,,500000.0,7947.2,7282.07,8550.32,2030.7,False,0,3.79,21.39
LI-2024-INS004-001562,2011-08-13,4,56,60,1955,male,never_smoker,26.3,74,205,UT,USA,divorced,bachelors,professional,90552.39,0.5866,full_paramedical,113,74,193,50,3.86,62,5.6,False,88.5,5.99,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,10,UW-205,0.69,term_life,250000,semi_annual,944.51,30.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.010819,0.007099,SOA_2015_VBT,SOA_Scale_MP2023,0.619,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0862,False,normal_rate,5.28,0.58,True,False,False,False,False,0.859,32.6,29.2,preferred_longevity,65.1,baseline,1.06,0.442,True,40.1,False,,250000.0,7244.46,7620.38,7556.08,1794.57,False,0,4.46,23.93
LI-2024-INS004-001563,2002-08-04,8,79,87,1923,male,never_smoker,23.4,76,192,NE,USA,divorced,bachelors,hazardous,20000.0,0.1082,full_paramedical,135,88,216,53,4.08,107,5.0,False,52.2,5.46,True,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,3.03,6.0,True,False,False,False,43,UW-473,2.5,indexed_ul,500000,annual,8866.3,,10yr_declining,7583.23,,,False,none,employer_group,False,False,False,0.076045,0.395243,SOA_2015_VBT,SOA_Scale_MP2023,2.606,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.114067,0.012,False,,1.0,False,,,,0.06,0.0523,False,normal_rate,3.57,1.64,False,False,False,False,False,0.955,5.0,1.0,sub_standard_longevity,15.6,baseline,1.419,0.026,False,,False,,492416.77,3582.73,3567.14,3546.52,30322.75,False,0,-2.54,-20.0
LI-2024-INS004-001564,2010-12-03,6,46,52,1964,female,never_smoker,31.4,66,194,OK,USA,single,bachelors,light_blue_collar,145861.32,0.9519,accelerated_UW,124,71,182,42,4.33,99,,False,100.3,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,True,13,UW-486,0.76,term_life,500000,quarterly,1747.06,20.0,none,,,,False,none,independent_broker,False,False,False,0.004952,0.003134,SOA_2015_VBT,SOA_Scale_MP2023,0.805,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0469,False,normal_rate,5.25,2.01,False,False,False,False,False,0.966,52.6,51.3,super_preferred_longevity,100.0,baseline,0.786,0.738,True,68.2,True,-0.499,500000.0,13261.76,12973.29,13976.48,3319.41,False,0,2.67,28.2
LI-2024-INS004-001565,2002-03-07,18,38,56,1964,male,current_smoker,22.5,64,131,OR,USA,married,some_college,hazardous,20000.0,0.92,limited_exam,125,76,213,58,3.67,89,,True,63.9,0.99,False,False,False,False,False,none,,none,moderate_gold_2,depression,1,False,False,False,False,False,substandard_table_6,2.72,6.0,True,False,False,False,24,UW-437,2.5,universal_life,250000,annual,3117.03,,10yr_declining,3945.58,,,False,none,worksite,False,False,False,0.017176,0.061392,SOA_2015_VBT,SOA_Scale_MP2023,2.561,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025763,0.015,False,,1.0,False,,,,0.04,0.0386,False,normal_rate,2.63,2.66,False,False,False,False,False,0.959,53.5,39.5,super_preferred_longevity,85.5,baseline,0.81,1.0,True,67.4,False,,246054.42,26262.73,24413.66,24936.24,5922.36,False,0,-0.36,-17.45
LI-2024-INS004-001566,2019-01-08,3,77,80,1942,non_binary,current_smoker,22.8,70,158,DE,USA,divorced,some_college,heavy_blue_collar,126684.63,0.554,limited_exam,121,69,250,47,5.32,84,,True,56.4,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,True,False,True,substandard_table_7,0.92,7.0,False,False,False,False,64,UW-121,2.75,term_life,500000,monthly,9178.06,20.0,none,,,,True,none,captive_agent,False,False,False,0.103726,0.500094,SOA_2015_VBT,SOA_Scale_MP2023,2.832,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.18152,0.008,False,,1.0,False,,,,0.07,0.088,False,normal_rate,2.91,1.42,False,False,False,False,False,0.943,9.2,6.2,sub_standard_longevity,30.1,baseline,1.085,0.656,False,,False,,500000.0,22859.14,20115.07,22761.59,27570.89,False,0,-3.05,-20.0
LI-2024-INS004-001567,2014-01-21,5,27,32,1987,female,former_smoker,33.0,72,243,WA,USA,widowed,bachelors,white_collar,96020.97,0.8191,limited_exam,126,85,226,47,4.81,98,5.2,False,89.3,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,standard_plus,,,False,False,False,False,12,UW-156,0.95,whole_life,100000,semi_annual,220.69,,none,169.74,,,False,none,employer_group,False,False,False,0.001676,0.001451,SOA_2015_VBT,SOA_Scale_MP2023,0.978,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0501,False,normal_rate,4.31,2.61,False,False,False,False,False,0.862,70.0,55.0,super_preferred_longevity,100.0,baseline,0.886,0.754,False,,False,,99830.26,1674.53,1593.34,1765.52,419.31,False,0,2.25,18.0
LI-2024-INS004-001568,2021-01-09,5,73,78,1948,female,never_smoker,37.9,61,200,NY,USA,widowed,graduate,hazardous,146931.21,0.4436,full_paramedical,151,80,260,28,9.29,80,5.7,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_3,4.7,3.0,True,False,False,False,27,UW-348,1.75,universal_life,250000,annual,2544.11,,10yr_declining,2005.67,,,False,none,independent_broker,False,False,False,0.040662,0.127417,SOA_2015_VBT,SOA_Scale_MP2023,1.908,accident,True,2021-11-06,True,True,775571.05,0.0007,5e-05,1.095,0.030496,0.008,True,0.00636,1.0,False,,,,0.08,0.0484,False,normal_rate,4.59,0.96,False,False,False,False,False,0.822,17.6,12.6,standard_longevity,38.1,baseline,1.167,0.532,False,,False,,247994.33,13495.67,11890.66,12822.31,6339.92,False,0,2.77,-5.03
LI-2024-INS004-001569,2010-07-23,11,42,53,1968,male,never_smoker,23.5,65,141,NY,USA,married,high_school,light_blue_collar,96830.35,0.6914,simplified_issue,122,80,275,53,5.19,73,4.5,False,72.7,4.31,False,False,False,False,True,colorectal,11.9,none,none,none,5,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,32,UW-148,1.25,universal_life,250000,semi_annual,1319.83,,10yr_declining,1236.59,,,False,none,employer_group,False,False,False,0.006813,0.011105,SOA_2015_VBT,SOA_Scale_MP2023,1.406,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001703,0.015,False,,1.0,False,,,,0.04,0.1444,True,normal_rate,4.08,1.27,False,False,False,False,False,0.935,49.2,42.8,super_preferred_longevity,87.1,baseline,0.981,0.536,True,69.4,False,,248763.41,11045.61,9670.17,10558.64,2507.68,False,0,3.78,17.23
LI-2024-INS004-001570,2023-06-22,4,80,84,1943,female,never_smoker,20.1,59,99,MA,USA,married,bachelors,white_collar,78303.76,0.304,full_paramedical,139,91,196,64,3.06,85,5.5,False,66.8,,False,False,False,True,False,none,,none,none,schizophrenia,1,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,55,UW-023,2.5,whole_life,100000,semi_annual,1871.71,,none,1330.08,,,False,none,direct_to_consumer,False,False,False,0.065599,0.327363,SOA_2015_VBT,SOA_Scale_MP2023,2.744,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.098398,0.008,False,,1.0,False,,,,0.04,0.0816,False,normal_rate,4.91,2.44,False,False,False,False,False,0.876,9.3,5.3,sub_standard_longevity,25.0,baseline,1.272,0.349,False,,False,,98669.92,3934.12,3508.26,3968.03,5757.38,False,0,-1.27,-20.0
LI-2024-INS004-001571,2002-06-11,11,22,33,1980,male,former_smoker,20.7,69,140,IA,USA,married,high_school,light_blue_collar,112349.93,0.7117,full_paramedical,111,71,236,49,4.82,83,5.1,False,94.4,,True,True,True,False,False,none,,none,none,none,2,False,False,True,False,True,preferred,,,False,False,False,False,49,UW-322,0.83,whole_life,500000,semi_annual,1251.54,,none,1200.94,,,True,none,independent_broker,False,False,False,0.002207,0.001806,SOA_2015_VBT,SOA_Scale_MP2023,0.847,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.017,False,normal_rate,5.3,2.28,False,False,False,False,False,0.906,70.0,55.0,super_preferred_longevity,100.0,baseline,0.966,0.779,False,,False,,498799.06,9176.48,9568.62,10012.32,2377.93,False,0,1.27,19.35
LI-2024-INS004-001572,2020-11-04,3,57,60,1963,male,never_smoker,28.9,68,189,MN,USA,divorced,bachelors,white_collar,66668.7,0.7078,simplified_issue,139,93,237,41,5.78,100,,False,76.6,1.7,False,False,True,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-073,2.0,universal_life,250000,annual,2668.4,,15yr_declining,1759.51,,,False,none,captive_agent,False,False,False,0.011844,0.035525,SOA_2015_VBT,SOA_Scale_MP2023,2.034,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011844,0.015,True,0.00033,1.0,False,,,,0.08,0.0408,False,normal_rate,4.35,1.53,False,False,False,False,False,0.925,36.5,33.7,super_preferred_longevity,83.7,baseline,0.969,0.647,False,,True,0.166,248240.49,19306.95,19168.18,21347.2,5069.96,False,0,-2.57,-11.22
LI-2024-INS004-001573,2004-03-08,11,38,49,1966,female,never_smoker,28.3,69,191,MS,USA,married,bachelors,light_blue_collar,223916.56,0.589,accelerated_UW,123,70,209,53,3.94,80,5.5,False,75.7,,True,True,True,False,True,leukemia,3.6,none,none,none,0,False,False,False,True,True,substandard_table_12,,12.0,False,False,False,True,41,UW-336,4.0,term_life,250000,annual,3580.19,15.0,none,,,,False,none,bank,False,False,False,0.003965,0.03576,SOA_2015_VBT,SOA_Scale_MP2023,5.688,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011895,0.015,False,,1.0,False,,,,0.03,0.0369,False,normal_rate,3.4,1.72,False,False,False,False,False,0.843,59.5,48.5,super_preferred_longevity,100.0,baseline,1.058,0.589,False,,False,,250000.0,27935.57,25028.71,28641.52,6802.36,False,0,-3.75,-20.0
LI-2024-INS004-001574,2004-08-19,13,49,62,1955,female,never_smoker,34.2,60,175,OH,USA,divorced,graduate,white_collar,85209.52,0.8721,full_paramedical,126,79,205,38,5.39,92,5.2,False,,,True,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-374,2.0,whole_life,1000000,annual,11542.63,,none,11630.07,,,True,coinsurance,independent_broker,False,False,False,0.010268,0.027884,SOA_2015_VBT,SOA_Scale_MP2023,2.028,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010268,0.012,False,,1.0,False,,,,0.015,0.015,False,normal_rate,3.5,2.25,False,False,False,False,False,0.853,44.7,36.4,super_preferred_longevity,80.2,baseline,0.846,0.914,True,76.3,False,,988369.93,97462.94,91995.74,92341.04,21931.0,False,0,0.71,-7.13
LI-2024-INS004-001575,2021-05-13,4,42,46,1979,female,never_smoker,28.7,64,167,TX,USA,married,high_school,white_collar,43579.42,0.2977,full_paramedical,137,79,231,38,6.08,105,4.9,False,92.0,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-115,2.25,term_life,1000000,semi_annual,8719.18,15.0,none,,,,True,none,independent_broker,True,False,False,0.003155,0.015126,SOA_2015_VBT,SOA_Scale_MP2023,2.484,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,True,0.00118,1.0,False,,,,0.07,0.1433,False,normal_rate,3.26,1.0,False,False,False,False,False,0.95,53.5,49.5,super_preferred_longevity,91.2,baseline,1.277,0.308,False,,False,,1000000.0,69298.75,68443.94,69753.44,16566.44,False,0,0.16,-16.45
LI-2024-INS004-001576,2001-04-06,2,46,48,1955,female,never_smoker,28.9,62,157,NY,USA,divorced,graduate,professional,26857.2,0.5176,full_paramedical,138,83,202,36,5.61,129,10.7,False,76.6,,True,False,False,False,False,none,,type_2,none,bipolar,5,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,53,UW-050,3.0,universal_life,250000,quarterly,3153.06,,15yr_declining,2155.64,,,False,none,independent_broker,False,False,False,0.003253,0.019043,SOA_2015_VBT,SOA_Scale_MP2023,3.467,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006505,0.012,False,,1.0,False,,,,0.08,0.0463,False,normal_rate,4.97,2.67,True,False,False,False,False,0.792,46.3,55.4,super_preferred_longevity,100.0,baseline,1.112,0.493,True,100.0,False,,247844.36,23257.02,25183.72,25224.48,5990.81,False,0,0.56,-20.0
LI-2024-INS004-001577,2015-12-20,9,43,52,1972,male,former_smoker,32.2,72,237,HI,USA,single,high_school,white_collar,52200.43,0.1705,simplified_issue,120,79,238,48,4.96,119,5.0,False,100.5,2.41,False,False,False,True,False,none,,none,none,none,7,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-342,2.5,indexed_ul,250000,quarterly,2404.44,,15yr_declining,2031.06,,,False,none,independent_broker,False,False,False,0.00817,0.042285,SOA_2015_VBT,SOA_Scale_MP2023,2.679,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012254,0.018,False,,1.0,True,2025-06-04,non_payment,9.0,0.06,0.0422,False,normal_rate,1.08,0.53,False,False,False,True,False,0.966,46.9,37.9,preferred_longevity,71.9,baseline,1.372,0.088,False,,False,,247968.94,19750.17,18997.35,19235.52,4568.44,False,0,-0.7,-13.92
LI-2024-INS004-001578,2008-04-17,5,58,63,1950,female,never_smoker,35.0,63,197,PA,USA,married,high_school,heavy_blue_collar,36729.2,0.48,full_paramedical,128,72,199,39,5.1,102,5.6,False,79.5,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,1.36,5.0,False,False,False,False,21,UW-470,2.25,term_life,1000000,semi_annual,11433.08,20.0,none,,,,True,excess_of_loss,employer_group,True,False,False,0.010534,0.040524,SOA_2015_VBT,SOA_Scale_MP2023,2.278,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013168,0.012,False,,1.0,False,,,,0.07,0.1105,False,normal_rate,4.08,1.73,False,False,False,False,False,0.816,36.4,31.4,preferred_longevity,76.8,baseline,1.14,0.499,False,,False,,1000000.0,86392.85,94229.48,91464.64,21722.85,False,0,1.31,-13.34
LI-2024-INS004-001579,2020-03-23,4,31,35,1989,male,never_smoker,38.3,61,202,MS,USA,married,bachelors,light_blue_collar,23075.39,0.4492,full_paramedical,140,75,223,41,5.44,101,5.4,False,96.1,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-253,1.5,whole_life,500000,monthly,1998.79,,none,1394.09,,,False,none,bank,False,False,False,0.001896,0.007055,SOA_2015_VBT,SOA_Scale_MP2023,1.659,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000948,0.02,True,0.00245,1.0,False,,,,0.04,0.0536,False,normal_rate,5.15,2.45,False,False,False,False,False,0.936,62.7,55.0,super_preferred_longevity,100.0,baseline,1.163,0.446,False,,True,1.764,498605.91,17136.9,14245.9,15990.32,3797.7,False,0,5.75,2.94
LI-2024-INS004-001580,2006-06-28,17,36,53,1970,female,unknown,32.4,64,188,MA,USA,single,some_college,white_collar,63932.0,0.5882,full_paramedical,139,86,175,37,4.73,81,8.4,False,69.3,,False,False,False,False,False,none,,type_2,none,bipolar,3,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,23,UW-174,2.25,whole_life,2000000,monthly,21097.84,,none,25959.34,17730.23,0.683,True,quota_share,bank,False,False,False,0.006268,0.02381,SOA_2015_VBT,SOA_Scale_MP2023,2.407,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007835,0.018,False,,1.0,False,,,,0.015,0.0111,False,normal_rate,3.73,0.62,False,False,False,False,False,0.833,59.3,42.3,super_preferred_longevity,84.8,baseline,1.059,0.444,False,,False,,1974040.66,181894.8,163723.23,168782.72,40085.9,False,0,-1.76,-5.3
LI-2024-INS004-001581,2001-01-08,18,51,69,1950,female,never_smoker,24.5,59,121,IA,USA,single,less_than_hs,light_blue_collar,58906.27,0.1555,simplified_issue,143,80,226,53,4.26,97,,False,74.8,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-147,2.25,indexed_ul,1000000,semi_annual,12778.96,,10yr_declining,16824.28,,,True,none,captive_agent,False,False,False,0.017726,0.081032,SOA_2015_VBT,SOA_Scale_MP2023,2.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022157,0.012,False,,1.0,False,,,,0.04,0.063,False,normal_rate,3.65,2.19,False,False,False,False,False,0.973,39.1,21.1,standard_longevity,46.5,baseline,1.383,0.305,False,,False,,983175.72,92119.54,107028.64,102231.68,24280.02,False,0,1.72,-18.75
LI-2024-INS004-001582,2019-05-19,4,28,32,1991,male,current_smoker,17.0,65,101,NY,USA,divorced,graduate,professional,59334.53,0.4006,accelerated_UW,111,71,163,67,2.43,82,5.6,True,,,False,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,True,41,UW-015,2.75,universal_life,2000000,annual,13252.06,,10yr_declining,9448.63,,,True,quota_share,captive_agent,False,False,False,0.003222,0.016876,SOA_2015_VBT,SOA_Scale_MP2023,2.907,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005639,0.022,False,,1.0,False,,,,0.08,0.0497,False,normal_rate,4.59,2.17,False,False,False,False,False,0.795,66.0,55.0,super_preferred_longevity,100.0,baseline,1.2,0.513,False,,False,,1990551.37,97448.17,103588.49,106016.48,25178.91,False,0,1.62,-20.0
LI-2024-INS004-001583,2009-03-10,3,54,57,1955,male,never_smoker,26.7,72,196,SC,USA,married,some_college,professional,80201.62,0.2956,accelerated_UW,132,78,195,59,3.31,108,5.2,False,76.9,4.73,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,preferred_plus,,,False,False,False,True,29,UW-273,0.63,whole_life,250000,monthly,690.91,,none,497.01,,,False,none,independent_broker,True,False,False,0.008399,0.005937,SOA_2015_VBT,SOA_Scale_MP2023,0.553,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.082,False,normal_rate,3.59,1.72,False,False,False,False,True,0.756,33.4,29.7,preferred_longevity,61.5,baseline,1.278,0.253,True,25.5,False,,249502.99,5245.36,5426.54,5527.28,1312.73,False,0,6.63,25.97
LI-2024-INS004-001584,2024-08-27,2,63,65,1961,male,never_smoker,25.8,63,145,FL,USA,married,graduate,light_blue_collar,22098.79,0.4396,simplified_issue,124,74,131,88,1.49,97,,False,78.6,1.46,False,True,False,False,False,none,,none,none,none,2,False,False,False,True,True,preferred_plus,,,False,False,False,False,26,UW-497,0.64,term_life,250000,monthly,794.07,20.0,none,,,,False,none,employer_group,False,False,False,0.017656,0.012129,SOA_2015_VBT,SOA_Scale_MP2023,0.587,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.1133,False,normal_rate,2.44,1.42,False,False,False,False,False,0.903,26.1,26.6,standard_longevity,59.0,baseline,1.17,0.566,True,64.7,False,,250000.0,6310.84,6404.25,6352.56,1508.73,False,0,4.21,27.59
LI-2024-INS004-001585,2012-02-22,15,66,81,1946,female,never_smoker,24.9,72,183,OR,USA,divorced,high_school,heavy_blue_collar,20859.03,0.3971,full_paramedical,118,78,226,69,3.28,100,5.8,False,37.5,,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,standard_plus,0.52,,False,False,False,False,34,UW-099,0.99,whole_life,250000,monthly,1497.4,,none,1711.27,,,False,none,independent_broker,False,False,False,0.051911,0.059036,SOA_2015_VBT,SOA_Scale_MP2023,0.946,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.015,0.0207,False,normal_rate,4.15,0.8,False,False,False,False,False,0.916,24.1,9.1,sub_standard_longevity,32.1,baseline,1.202,0.503,False,,False,,248288.73,5401.02,5693.49,5450.54,4150.79,False,0,4.39,19.6
LI-2024-INS004-001586,2010-04-21,16,24,40,1986,female,never_smoker,25.1,69,170,NV,USA,married,high_school,heavy_blue_collar,20000.0,0.1225,limited_exam,125,76,237,45,5.27,106,5.2,False,95.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,0.65,1.0,False,False,False,False,10,UW-141,1.25,term_life,500000,quarterly,2062.63,10.0,none,,,,False,none,captive_agent,False,False,False,0.002066,0.004834,SOA_2015_VBT,SOA_Scale_MP2023,1.484,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000517,0.02,False,,1.0,False,,,,0.03,0.0481,False,normal_rate,3.1,0.95,False,False,False,False,False,0.896,70.0,57.7,super_preferred_longevity,100.0,baseline,1.408,0.0,True,54.8,False,,500000.0,17896.41,15654.2,16501.04,3919.0,False,0,1.67,8.01
LI-2024-INS004-001587,2015-04-06,10,38,48,1977,female,never_smoker,22.4,64,130,OR,USA,married,graduate,professional,42435.26,0.3954,full_paramedical,122,67,235,58,4.05,95,5.5,False,85.7,,False,True,False,False,False,none,,none,none,anxiety,8,False,True,False,False,False,preferred_plus,,,False,False,False,False,27,UW-145,0.56,indexed_ul,500000,monthly,1150.37,,10yr_declining,1100.62,,,False,none,employer_group,False,False,False,0.00367,0.002478,SOA_2015_VBT,SOA_Scale_MP2023,0.561,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0448,False,normal_rate,2.86,1.89,False,False,False,True,False,0.965,57.6,47.6,super_preferred_longevity,89.8,baseline,1.203,0.464,False,,False,,498899.38,8985.3,9369.7,9202.96,2185.7,False,0,3.8,29.75
LI-2024-INS004-001588,2018-07-09,6,44,50,1974,female,former_smoker,28.6,59,141,NM,USA,divorced,high_school,white_collar,215160.1,0.6434,limited_exam,114,78,169,51,3.31,111,5.6,False,100.4,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-001,2.25,term_life,500000,monthly,5210.23,10.0,none,,,,False,none,captive_agent,False,False,False,0.005574,0.021037,SOA_2015_VBT,SOA_Scale_MP2023,2.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006967,0.018,False,,1.0,False,,,,0.05,0.0593,False,normal_rate,2.34,2.82,False,False,False,False,False,0.849,52.1,45.0,super_preferred_longevity,89.7,baseline,1.017,0.699,True,25.0,False,,500000.0,37694.53,36771.18,41681.84,9899.44,False,0,1.6,-13.08
LI-2024-INS004-001589,2022-01-24,5,80,85,1942,female,never_smoker,34.7,59,171,NH,USA,married,graduate,light_blue_collar,110111.3,0.659,simplified_issue,133,85,251,39,6.44,95,5.4,False,88.5,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-251,1.5,group_life,500000,monthly,4944.94,,none,,,,False,none,worksite,True,False,False,0.070875,0.156295,SOA_2015_VBT,SOA_Scale_MP2023,1.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035438,0.008,True,0.00438,1.0,False,,,,0.15,0.1759,False,normal_rate,4.02,1.09,False,False,False,False,False,0.876,10.6,5.6,sub_standard_longevity,30.8,baseline,1.006,0.692,False,,False,,500000.0,11264.38,9746.64,11076.67,15091.96,False,0,2.73,0.57
LI-2024-INS004-001590,2020-12-16,2,39,41,1981,male,never_smoker,28.0,75,224,TX,USA,single,high_school,white_collar,37766.99,0.5789,non_med_guaranteed,131,86,256,40,6.4,99,5.6,False,83.3,2.11,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,25,UW-310,1.0,indexed_ul,500000,annual,1749.93,,10yr_declining,1099.61,,,False,none,bank,False,False,False,0.002761,0.006719,SOA_2015_VBT,SOA_Scale_MP2023,1.053,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00362,1.0,False,,,,0.08,0.0445,False,normal_rate,4.68,2.82,False,False,False,False,False,0.912,54.1,52.1,super_preferred_longevity,99.3,baseline,1.066,0.755,False,,False,,498900.39,14399.42,13785.38,13999.44,3324.87,False,0,2.25,16.84
LI-2024-INS004-001591,2018-10-02,6,35,41,1983,female,former_smoker,26.6,69,180,AL,USA,single,bachelors,professional,28100.85,0.6456,limited_exam,132,88,168,38,4.42,86,5.0,False,104.7,,False,True,False,False,False,none,,none,none,none,12,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-192,1.25,universal_life,1000000,quarterly,4574.95,,10yr_declining,3465.55,,,True,quota_share,bank,True,False,False,0.002872,0.004644,SOA_2015_VBT,SOA_Scale_MP2023,1.346,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000718,0.02,False,,1.0,False,,,,0.06,0.032,False,normal_rate,3.44,2.38,False,False,False,False,True,0.891,62.6,55.0,super_preferred_longevity,100.0,baseline,1.016,0.663,False,,False,,996534.45,36567.36,31808.65,36599.6,8692.4,False,0,2.21,12.14
LI-2024-INS004-001592,2015-07-16,1,37,38,1978,male,never_smoker,33.9,72,249,WA,USA,single,bachelors,white_collar,20000.0,0.5539,limited_exam,122,80,171,33,5.18,78,5.2,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-389,1.25,annuity_deferred,100000,quarterly,401.33,,none,244.42,,,False,none,direct_to_consumer,False,False,False,0.00227,0.004032,SOA_2015_VBT,SOA_Scale_MP2023,1.407,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.018,False,,1.0,False,,,,0.06,0.1056,False,normal_rate,4.33,2.53,False,False,False,True,False,0.916,55.4,55.0,super_preferred_longevity,100.0,baseline,1.085,0.465,True,36.7,False,,99755.58,3257.2,3143.5,3210.64,762.53,False,0,0.2,10.2
LI-2024-INS004-001593,2015-12-07,1,78,79,1937,female,never_smoker,30.1,72,221,OH,USA,married,high_school,white_collar,109886.06,0.3851,full_paramedical,161,96,243,52,4.67,86,,False,90.0,,False,False,False,False,True,breast,1.5,none,none,depression,1,False,False,False,False,True,standard,,,False,True,False,False,40,UW-089,1.0,term_life,2000000,monthly,15141.06,10.0,none,,,,True,none,independent_broker,False,False,False,0.044187,0.055391,SOA_2015_VBT,SOA_Scale_MP2023,1.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.1,0.1392,False,normal_rate,2.66,1.05,False,False,False,False,False,0.77,10.5,10.0,sub_standard_longevity,33.3,baseline,1.211,0.476,True,51.4,False,,2000000.0,58877.97,62012.35,60564.24,40880.86,False,0,3.92,13.48
LI-2024-INS004-001594,2014-11-02,9,78,87,1936,female,former_smoker,29.1,66,180,DE,USA,married,high_school,light_blue_collar,58386.18,0.5076,full_paramedical,130,77,196,54,3.63,116,,False,62.8,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-374,1.25,term_life,100000,annual,1025.28,20.0,none,,,,False,none,captive_agent,False,False,False,0.113548,0.198058,SOA_2015_VBT,SOA_Scale_MP2023,1.335,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028387,0.005,False,,1.0,False,,,,0.05,0.0647,False,normal_rate,3.1,1.24,False,False,False,False,False,0.85,10.8,1.8,sub_standard_longevity,22.8,baseline,1.119,0.463,False,,False,,100000.0,781.56,713.06,738.2,3440.84,False,0,3.67,5.36
LI-2024-INS004-001595,2007-12-28,2,61,63,1946,male,never_smoker,16.9,61,90,IA,USA,single,some_college,white_collar,61381.49,0.4745,simplified_issue,136,84,150,54,2.78,113,4.8,False,73.2,8.57,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-444,1.25,term_life,500000,monthly,3718.54,15.0,none,,,,True,none,captive_agent,False,False,False,0.013548,0.023073,SOA_2015_VBT,SOA_Scale_MP2023,1.27,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003387,0.008,False,,1.0,False,,,,0.07,0.0924,False,normal_rate,2.57,1.86,False,False,False,False,False,0.981,25.4,23.4,standard_longevity,54.7,baseline,1.144,0.341,False,,False,,500000.0,30390.45,30995.66,29748.32,7065.23,False,0,1.87,11.17
LI-2024-INS004-001596,2016-11-23,8,79,87,1937,male,never_smoker,18.7,66,115,NE,USA,married,some_college,professional,20000.0,0.3337,limited_exam,134,77,201,65,3.09,93,5.6,False,,20.0,False,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,27,UW-394,2.5,universal_life,100000,annual,1840.67,,10yr_declining,1597.37,,,False,none,independent_broker,False,False,False,0.109729,0.531558,SOA_2015_VBT,SOA_Scale_MP2023,2.676,cardiovascular,True,2018-01-23,True,True,184383.98,0.0007,5e-05,1.095,0.164594,0.005,False,,1.0,False,,,,0.06,0.0387,False,normal_rate,3.92,0.71,False,False,False,False,False,0.998,5.3,1.1,sub_standard_longevity,19.2,baseline,1.25,0.307,True,54.1,False,,98402.63,832.92,715.22,809.89,6280.37,False,0,-0.05,-19.61
LI-2024-INS004-001597,2000-05-17,27,63,90,1937,male,former_smoker,30.0,63,169,AR,USA,married,graduate,white_collar,206869.76,0.323,simplified_issue,157,102,188,51,3.69,104,,False,103.2,2.06,False,False,True,False,True,prostate,0.6,none,none,schizophrenia,0,False,False,False,False,True,standard,,,False,True,False,False,54,UW-215,1.0,indexed_ul,2000000,monthly,15372.09,,10yr_declining,27450.52,11748.82,0.428,True,quota_share,captive_agent,False,False,False,0.183267,0.236958,SOA_2015_VBT,SOA_Scale_MP2023,1.028,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.04,0.0346,False,normal_rate,1.56,0.8,False,False,False,False,False,0.962,24.2,1.0,sub_standard_longevity,28.8,baseline,1.258,0.3,False,,False,,1972549.48,6479.57,5884.81,6148.84,52572.55,False,0,1.73,15.15
LI-2024-INS004-001598,2003-11-05,10,79,89,1924,female,never_smoker,23.5,66,145,OK,USA,single,graduate,hazardous,103509.55,0.7363,full_paramedical,126,69,248,44,5.64,108,5.4,False,63.2,,False,False,False,True,False,none,,none,none,anxiety,1,False,False,True,False,True,substandard_table_6,4.92,6.0,True,False,False,False,58,UW-101,2.5,term_life,1000000,monthly,16672.06,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.072811,0.284152,SOA_2015_VBT,SOA_Scale_MP2023,2.535,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.109216,0.012,False,,1.0,False,,,,0.05,0.0555,False,normal_rate,1.01,1.6,False,False,False,False,False,0.874,9.5,1.2,sub_standard_longevity,25.3,baseline,0.948,0.869,True,96.9,False,,1000000.0,8153.25,7530.31,8002.59,56751.69,False,0,-1.43,-15.02
LI-2024-INS004-001599,2004-01-07,1,43,44,1961,female,former_smoker,27.6,59,136,PA,USA,married,some_college,heavy_blue_collar,112683.26,0.2104,limited_exam,100,51,177,45,3.93,107,,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,0.71,1.0,False,False,False,False,6,UW-360,1.25,term_life,250000,monthly,1046.85,20.0,none,,,,False,none,captive_agent,False,False,False,0.003334,0.007264,SOA_2015_VBT,SOA_Scale_MP2023,1.437,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000834,0.015,False,,1.0,False,,,,0.1,0.2144,False,normal_rate,3.65,0.59,False,False,False,False,False,0.844,49.2,49.9,super_preferred_longevity,90.5,baseline,1.342,0.111,True,45.0,False,,250000.0,8270.24,7723.09,8374.8,1989.01,False,0,7.06,9.41
LI-2024-INS004-001600,2012-04-13,12,52,64,1960,male,never_smoker,19.7,61,104,AZ,USA,married,graduate,light_blue_collar,24098.34,0.7182,full_paramedical,108,64,174,59,2.95,94,4.1,False,79.3,0.89,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred_plus,,,False,False,False,False,9,UW-245,0.61,term_life,1000000,monthly,3102.11,30.0,none,,,,True,quota_share,independent_broker,False,False,False,0.015951,0.008725,SOA_2015_VBT,SOA_Scale_MP2023,0.569,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0338,False,normal_rate,5.31,2.41,True,False,False,False,False,0.797,38.1,26.1,preferred_longevity,62.4,baseline,0.961,0.719,False,,False,,1000000.0,26080.54,24192.76,24816.88,5894.01,False,0,3.13,31.34
LI-2024-INS004-001601,2000-08-15,13,28,41,1972,female,never_smoker,24.9,66,154,AR,USA,divorced,some_college,white_collar,83073.25,0.5721,accelerated_UW,111,73,141,55,2.56,91,5.5,False,94.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,True,7,UW-178,0.64,term_life,100000,annual,216.47,20.0,none,,,,False,none,independent_broker,False,False,False,0.002209,0.001644,SOA_2015_VBT,SOA_Scale_MP2023,0.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0373,False,normal_rate,2.7,2.88,False,False,False,False,False,0.792,67.5,54.5,super_preferred_longevity,100.0,baseline,1.071,0.532,False,,False,,100000.0,1678.55,1567.87,1731.76,411.29,False,0,2.37,23.11
LI-2024-INS004-001602,2016-12-12,2,28,30,1988,male,former_smoker,27.9,62,152,CO,USA,single,bachelors,heavy_blue_collar,47775.99,0.5869,full_paramedical,123,81,173,30,5.77,90,,False,81.4,,False,False,True,False,False,none,,none,none,depression,12,False,False,False,False,False,substandard_table_1,0.66,1.0,False,False,False,False,20,UW-309,1.25,universal_life,500000,semi_annual,1401.75,,10yr_declining,940.23,,,False,none,captive_agent,False,False,False,0.001898,0.003299,SOA_2015_VBT,SOA_Scale_MP2023,1.404,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.02,False,,1.0,False,,,,0.08,0.0443,False,normal_rate,1.43,0.98,False,False,False,False,False,0.914,69.1,55.0,super_preferred_longevity,100.0,baseline,1.06,0.582,False,,False,,499059.77,12194.48,11218.17,11214.0,2663.32,False,0,2.93,5.62
LI-2024-INS004-001603,2023-11-11,1,47,48,1976,male,unknown,31.0,68,203,ID,USA,single,high_school,white_collar,20000.0,0.3566,full_paramedical,113,71,251,47,5.34,107,,False,79.3,0.96,False,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-359,1.25,whole_life,2000000,quarterly,10005.07,,none,6548.38,,,True,quota_share,direct_to_consumer,False,False,False,0.005276,0.010591,SOA_2015_VBT,SOA_Scale_MP2023,1.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001319,0.018,False,,1.0,False,,,,0.06,0.1188,False,normal_rate,4.89,2.16,False,False,False,False,False,0.872,47.3,46.3,super_preferred_longevity,97.3,baseline,1.233,0.423,False,,False,,1993451.62,81414.21,69515.39,80040.56,19009.63,False,0,1.52,11.16
LI-2024-INS004-001604,2020-04-26,2,44,46,1976,female,former_smoker,29.5,65,177,HI,USA,single,bachelors,light_blue_collar,39805.48,0.6976,full_paramedical,135,86,198,62,3.19,103,,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,38,UW-308,1.25,term_life,250000,semi_annual,1371.75,10.0,none,,,,False,none,independent_broker,False,False,False,0.004101,0.009586,SOA_2015_VBT,SOA_Scale_MP2023,1.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001025,0.018,True,0.00302,1.0,False,,,,0.07,0.0799,False,normal_rate,4.05,0.53,False,False,False,False,False,0.881,52.6,50.6,super_preferred_longevity,98.9,baseline,0.977,0.643,False,,False,,250000.0,11364.36,11460.44,10974.0,2606.32,False,0,3.52,11.2
LI-2024-INS004-001605,2012-02-16,8,37,45,1975,male,never_smoker,32.6,72,240,SC,USA,married,high_school,light_blue_collar,76257.49,0.3376,non_med_guaranteed,142,86,231,51,4.53,104,4.9,False,87.2,1.24,False,False,False,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,standard,,,False,True,False,False,21,UW-387,1.0,term_life,250000,semi_annual,1008.78,30.0,none,,,,False,none,captive_agent,False,False,False,0.003662,0.004954,SOA_2015_VBT,SOA_Scale_MP2023,1.085,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0715,False,normal_rate,3.71,1.54,False,False,False,False,False,0.836,54.0,46.0,super_preferred_longevity,86.6,baseline,1.247,0.184,False,,False,,250000.0,8222.49,8329.17,8070.24,1916.68,False,0,-0.52,16.43
LI-2024-INS004-001606,2007-05-27,7,23,30,1984,female,never_smoker,25.2,65,151,MT,USA,married,some_college,light_blue_collar,62995.11,0.8583,full_paramedical,109,58,203,40,5.08,77,,False,106.1,,False,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,22,UW-300,2.25,group_life,100000,annual,503.77,,none,,,,False,none,worksite,False,False,False,0.001168,0.003894,SOA_2015_VBT,SOA_Scale_MP2023,2.434,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00146,0.02,False,,1.0,False,,,,0.12,0.1216,False,normal_rate,3.09,0.65,False,False,False,False,False,0.973,70.0,55.0,super_preferred_longevity,100.0,baseline,0.856,0.993,False,,False,,100000.0,3922.92,3917.36,4030.16,957.16,False,0,2.82,-15.82
LI-2024-INS004-001607,2012-06-23,9,57,66,1955,female,never_smoker,30.3,69,205,PA,USA,divorced,high_school,heavy_blue_collar,30131.73,0.3932,simplified_issue,124,82,197,54,3.65,119,,False,67.3,,False,True,False,False,False,none,,none,none,bipolar,4,False,False,False,True,True,substandard_table_4,0.74,4.0,False,False,False,False,54,UW-277,2.0,term_life,2000000,monthly,19466.13,25.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.014503,0.050977,SOA_2015_VBT,SOA_Scale_MP2023,2.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014503,0.012,False,,1.0,False,,,,0.05,0.0693,False,normal_rate,2.78,2.7,False,False,False,False,False,0.765,34.8,25.8,standard_longevity,57.1,baseline,1.205,0.357,False,,False,,2000000.0,148276.42,135193.21,155729.04,36985.65,False,0,-1.59,-9.14
LI-2024-INS004-001608,2008-03-01,15,60,75,1948,male,never_smoker,23.8,62,130,SD,USA,married,high_school,hazardous,111147.45,0.4522,simplified_issue,127,71,238,62,3.84,78,5.1,False,73.0,1.84,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,substandard_table_5,3.75,5.0,True,False,False,False,9,UW-077,2.25,whole_life,250000,annual,3820.45,,none,4252.95,,,False,none,captive_agent,False,False,False,0.039127,0.154603,SOA_2015_VBT,SOA_Scale_MP2023,2.327,infectious,True,2012-09-08,False,False,1575764.73,0.0007,5e-05,1.095,0.048909,0.008,False,,1.0,False,,,,0.015,0.0201,False,normal_rate,3.61,2.28,False,False,False,False,False,0.897,26.6,11.6,standard_longevity,36.7,baseline,1.161,0.482,False,,False,,245747.05,17947.89,15710.1,17726.89,9826.2,False,0,-1.07,-8.27
LI-2024-INS004-001609,2007-09-06,13,41,54,1966,female,never_smoker,34.3,67,218,NJ,USA,divorced,some_college,light_blue_collar,20000.0,0.6713,limited_exam,149,95,220,36,6.11,124,5.9,False,,,False,False,False,False,True,melanoma,1.9,pre_diabetes,none,none,16,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,37,UW-388,2.25,universal_life,1000000,quarterly,9148.35,,15yr_declining,9652.84,,,True,none,employer_group,False,False,False,0.005914,0.021023,SOA_2015_VBT,SOA_Scale_MP2023,2.313,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007392,0.015,False,,1.0,False,,,,0.04,0.0251,False,normal_rate,3.34,1.6,False,False,False,False,False,0.891,53.8,40.8,super_preferred_longevity,83.8,baseline,0.997,0.649,False,,False,,990347.16,67639.04,74252.92,73186.8,17381.87,False,0,3.26,-8.5
LI-2024-INS004-001610,2002-03-20,21,36,57,1966,female,never_smoker,22.9,62,125,CA,USA,single,high_school,light_blue_collar,35531.38,0.5913,limited_exam,115,69,220,44,5.0,84,4.9,False,90.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-212,2.25,term_life,500000,monthly,6111.43,20.0,none,,,,False,none,captive_agent,False,False,False,0.007582,0.029486,SOA_2015_VBT,SOA_Scale_MP2023,2.498,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009477,0.015,False,,1.0,False,,,,0.03,0.0368,False,normal_rate,1.08,1.63,False,False,False,False,False,0.863,58.5,37.2,preferred_longevity,77.2,baseline,1.057,0.568,True,30.9,False,,500000.0,48225.85,46706.12,48891.44,11611.72,False,0,0.51,-13.34
LI-2024-INS004-001611,2001-01-10,3,38,41,1963,female,former_smoker,25.9,63,146,SC,USA,single,high_school,heavy_blue_collar,20000.0,0.3101,full_paramedical,130,86,167,52,3.21,79,4.8,False,93.9,,False,True,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard,1.09,,False,False,False,False,7,UW-101,1.02,annuity_immediate,250000,monthly,954.74,,none,,,,True,quota_share,captive_agent,False,False,False,0.002786,0.003633,SOA_2015_VBT,SOA_Scale_MP2023,1.013,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,5.6e-05,0.015,False,,1.0,False,,,,0.005,0.0331,False,normal_rate,3.09,0.53,True,False,False,True,False,0.91,57.9,54.9,super_preferred_longevity,100.0,baseline,1.267,0.179,False,,False,,250000.0,7099.14,7795.49,7637.92,1814.01,False,0,5.46,16.31
LI-2024-INS004-001612,2008-05-09,2,35,37,1973,female,never_smoker,24.1,68,158,ME,USA,married,some_college,heavy_blue_collar,92296.35,0.6525,full_paramedical,116,77,191,53,3.6,89,,False,114.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,True,False,False,False,substandard_table_5,1.07,5.0,False,False,False,False,28,UW-102,2.25,term_life,5000000,semi_annual,38861.21,25.0,none,,,,True,coinsurance,employer_group,False,False,False,0.001707,0.00632,SOA_2015_VBT,SOA_Scale_MP2023,2.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.018,False,,1.0,False,,,,0.07,0.099,False,normal_rate,4.81,2.45,False,False,False,False,False,0.91,61.0,68.8,super_preferred_longevity,100.0,baseline,1.011,0.677,True,100.0,False,,5000000.0,330184.05,274941.07,310889.68,73836.3,False,0,-0.54,-14.87
LI-2024-INS004-001613,2011-07-02,2,55,57,1956,male,never_smoker,32.8,62,179,IA,USA,married,bachelors,heavy_blue_collar,26970.55,0.7157,non_med_guaranteed,144,80,202,55,3.67,119,5.3,False,74.7,6.91,True,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,1.12,5.0,False,False,False,False,26,UW-451,2.25,term_life,500000,semi_annual,4964.08,20.0,none,,,,False,none,bank,False,False,False,0.008501,0.031082,SOA_2015_VBT,SOA_Scale_MP2023,2.498,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010627,0.012,False,,1.0,False,,,,0.07,0.0789,False,normal_rate,2.8,1.89,False,False,False,False,False,0.797,37.2,36.3,super_preferred_longevity,87.7,baseline,0.963,0.668,True,43.3,False,,500000.0,35772.37,35377.27,39712.64,9431.75,False,0,1.33,-8.79
LI-2024-INS004-001614,2012-01-14,6,30,36,1982,female,never_smoker,31.2,67,199,MO,USA,married,graduate,professional,74370.38,0.7364,accelerated_UW,100,63,227,50,4.54,87,,False,85.1,,True,True,False,False,False,none,,none,none,none,2,False,False,True,False,True,preferred,,,False,False,False,True,42,UW-043,0.76,term_life,250000,quarterly,510.38,10.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001608,0.001253,SOA_2015_VBT,SOA_Scale_MP2023,0.822,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0778,False,normal_rate,2.76,0.95,False,False,False,False,False,0.984,67.8,55.0,super_preferred_longevity,100.0,baseline,0.948,0.975,False,,False,,250000.0,3843.18,3894.53,4083.04,969.72,False,0,3.21,21.37
LI-2024-INS004-001615,2016-05-17,9,46,55,1970,female,never_smoker,23.4,71,167,CA,USA,single,graduate,white_collar,54529.88,0.5297,full_paramedical,126,72,229,44,5.2,67,5.2,False,105.4,,False,False,False,False,False,none,,none,none,none,9,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,44,UW-289,1.25,universal_life,100000,monthly,561.98,,15yr_declining,499.77,,,False,none,captive_agent,False,False,False,0.00642,0.011212,SOA_2015_VBT,SOA_Scale_MP2023,1.357,other,True,2025-05-13,False,False,1463352.53,0.0007,5e-05,1.095,0.001605,0.018,False,,1.0,False,,,,0.06,0.0345,False,normal_rate,1.31,1.86,False,False,False,False,False,0.921,49.1,40.1,super_preferred_longevity,80.6,baseline,1.103,0.558,False,,False,,99500.23,4744.06,4226.38,4495.84,1067.76,False,0,4.64,15.24
LI-2024-INS004-001616,2020-10-25,2,65,67,1955,male,never_smoker,23.6,76,194,WA,USA,single,some_college,heavy_blue_collar,60457.56,0.3321,full_paramedical,116,74,251,58,4.33,89,,False,71.4,5.01,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,standard,1.41,,False,True,False,False,6,UW-389,1.0,term_life,500000,monthly,2875.98,30.0,none,,,,False,none,direct_to_consumer,True,False,False,0.019773,0.030189,SOA_2015_VBT,SOA_Scale_MP2023,1.025,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00484,1.0,False,,,,0.07,0.1406,False,normal_rate,3.79,1.55,False,False,False,False,False,0.885,22.5,20.5,standard_longevity,48.2,baseline,1.251,0.407,False,,False,,500000.0,23486.38,20854.08,23007.84,5464.36,False,0,6.08,10.55
LI-2024-INS004-001617,2023-03-02,4,42,46,1981,female,never_smoker,21.6,60,110,ME,USA,single,bachelors,professional,110117.45,0.5055,accelerated_UW,110,63,152,70,2.17,92,5.5,False,76.8,,True,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,preferred,,,False,False,False,True,53,UW-426,0.84,whole_life,500000,monthly,1662.94,,none,1238.94,,,False,none,captive_agent,False,False,False,0.003155,0.002673,SOA_2015_VBT,SOA_Scale_MP2023,0.756,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0518,False,normal_rate,4.02,1.82,False,False,False,False,False,0.963,54.8,50.8,super_preferred_longevity,96.3,baseline,1.121,0.499,False,,False,,498761.06,13064.67,13286.59,13303.52,3159.59,False,0,3.65,30.63
LI-2024-INS004-001618,2008-01-02,11,66,77,1942,male,never_smoker,29.1,67,185,KS,USA,widowed,high_school,white_collar,84764.55,0.7164,full_paramedical,157,88,194,33,5.88,82,4.5,False,72.8,3.47,True,False,False,True,False,none,,none,none,anxiety,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,35,UW-422,2.5,term_life,250000,semi_annual,4578.95,30.0,none,,,,False,none,independent_broker,False,False,False,0.044395,0.183571,SOA_2015_VBT,SOA_Scale_MP2023,2.737,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.066593,0.008,False,,1.0,False,,,,0.03,0.0338,False,normal_rate,2.45,2.42,False,False,False,False,False,0.963,20.8,9.8,standard_longevity,37.9,baseline,0.963,0.743,False,,False,,250000.0,16923.0,15956.57,17949.48,12436.43,False,0,0.22,-17.38
LI-2024-INS004-001619,2008-06-08,11,25,36,1983,male,never_smoker,22.0,74,171,MS,USA,married,bachelors,white_collar,85538.2,0.8423,full_paramedical,123,68,205,57,3.6,94,,False,,,True,False,True,False,False,none,,none,none,schizophrenia,4,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,39,UW-294,2.25,whole_life,500000,quarterly,3835.82,,none,3761.51,,,False,none,captive_agent,False,False,False,0.00201,0.006753,SOA_2015_VBT,SOA_Scale_MP2023,2.43,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002512,0.02,False,,1.0,False,,,,0.015,0.0154,False,normal_rate,1.64,2.59,False,False,False,False,False,0.778,70.0,55.0,super_preferred_longevity,100.0,baseline,0.868,0.834,False,,False,,496238.49,33347.8,30300.87,30686.56,7288.06,False,0,3.05,-10.16
LI-2024-INS004-001620,2013-05-05,11,21,32,1992,female,former_smoker,28.5,62,155,NJ,USA,married,high_school,hazardous,60646.7,0.5783,full_paramedical,119,75,219,77,2.84,77,5.4,False,111.7,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,standard,3.93,,True,False,False,False,27,UW-076,1.03,universal_life,1000000,annual,2858.31,,15yr_declining,2647.31,,,True,excess_of_loss,independent_broker,False,False,False,0.001676,0.001876,SOA_2015_VBT,SOA_Scale_MP2023,1.022,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,5e-05,0.022,False,,1.0,False,,,,0.04,0.0223,False,normal_rate,2.57,2.82,False,False,False,False,False,0.986,70.0,55.0,super_preferred_longevity,100.0,baseline,1.066,0.512,False,,False,,997352.69,22100.71,23061.16,22866.48,5430.79,False,0,2.82,16.11
LI-2024-INS004-001621,2012-09-22,1,79,80,1933,male,former_smoker,24.1,69,163,VT,USA,married,some_college,white_collar,34386.91,0.329,limited_exam,146,98,261,29,9.0,99,,False,63.0,13.07,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,14,UW-327,1.0,whole_life,500000,monthly,3012.63,,none,1744.03,,,False,none,independent_broker,False,True,False,0.076759,0.09639,SOA_2015_VBT,SOA_Scale_MP2023,1.002,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.06,0.0862,False,normal_rate,2.8,1.53,False,False,False,False,False,0.871,5.0,4.0,sub_standard_longevity,23.4,baseline,1.253,0.146,False,,False,,498255.97,5287.76,4857.65,4820.21,9580.16,False,0,0.87,18.61
LI-2024-INS004-001622,2000-12-18,16,50,66,1950,female,former_smoker,29.3,69,198,OK,USA,married,some_college,white_collar,126790.15,0.8062,non_med_guaranteed,153,98,198,35,5.66,112,5.2,False,91.9,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-286,1.5,term_life,1000000,monthly,7927.7,25.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.017749,0.036669,SOA_2015_VBT,SOA_Scale_MP2023,1.749,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008875,0.012,False,,1.0,False,,,,0.03,0.0443,False,normal_rate,2.7,1.67,False,False,False,False,False,0.859,42.7,26.7,preferred_longevity,64.6,baseline,0.895,0.907,False,,False,,1000000.0,59681.87,64457.74,63421.6,15062.63,False,0,3.15,9.57
LI-2024-INS004-001623,2014-07-14,8,24,32,1990,male,never_smoker,28.9,60,147,VT,USA,divorced,high_school,professional,36256.08,0.3836,simplified_issue,114,71,210,52,4.04,117,,False,,,False,False,False,False,False,none,,none,none,depression,17,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,21,UW-240,1.25,term_life,250000,monthly,792.61,20.0,none,,,,False,none,employer_group,False,False,False,0.001611,0.002858,SOA_2015_VBT,SOA_Scale_MP2023,1.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.022,False,,1.0,False,,,,0.05,0.0836,False,normal_rate,4.71,1.3,False,False,False,False,False,0.901,69.8,55.0,super_preferred_longevity,100.0,baseline,1.212,0.489,False,,False,,250000.0,5743.62,5979.88,6340.88,1505.96,False,0,4.5,18.18
LI-2024-INS004-001624,2021-09-10,2,43,45,1978,female,never_smoker,30.7,63,173,KY,USA,divorced,high_school,white_collar,50318.11,0.4968,full_paramedical,116,71,259,38,6.82,102,,False,96.1,,True,True,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-497,2.0,whole_life,1000000,monthly,7125.88,,none,4978.65,,,True,none,employer_group,False,False,False,0.00293,0.015787,SOA_2015_VBT,SOA_Scale_MP2023,2.21,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00293,0.018,True,0.00556,1.0,False,,,,0.04,0.0625,False,normal_rate,2.17,2.69,False,False,False,False,False,0.867,53.1,51.1,super_preferred_longevity,96.6,baseline,1.127,0.429,False,,False,,995021.35,58829.87,50583.33,57007.04,13539.17,False,0,2.99,-4.68
LI-2024-INS004-001625,2010-09-04,3,59,62,1951,male,never_smoker,19.8,70,138,MT,USA,married,some_college,professional,95353.04,0.7956,full_paramedical,146,96,164,64,2.56,75,,False,,2.42,True,False,False,False,False,none,,none,none,none,7,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-434,1.5,group_life,500000,monthly,3514.21,,none,,,,False,none,captive_agent,False,False,False,0.01223,0.023217,SOA_2015_VBT,SOA_Scale_MP2023,1.548,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006115,0.012,False,,1.0,False,,,,0.15,0.1595,False,normal_rate,3.06,0.56,False,False,False,False,False,0.772,29.8,30.8,preferred_longevity,70.6,baseline,0.903,0.653,True,76.9,False,,500000.0,30378.69,24643.48,28113.68,6677.0,False,0,3.22,10.46
LI-2024-INS004-001626,2015-08-12,1,59,60,1956,female,never_smoker,15.5,67,99,NJ,USA,married,bachelors,professional,120188.86,0.7952,non_med_guaranteed,148,94,198,71,2.79,103,6.0,False,72.8,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,declined,,,False,False,True,False,11,UW-126,7.0,term_life,500000,semi_annual,17607.92,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.008761,0.100156,SOA_2015_VBT,SOA_Scale_MP2023,6.012,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.052564,0.012,False,,1.0,False,,,,0.1,0.1064,False,normal_rate,4.02,2.98,False,False,False,False,False,0.937,34.5,33.5,preferred_longevity,74.7,baseline,0.904,0.89,False,,False,,500000.0,148443.73,130946.99,140863.36,33455.05,False,0,-5.0,-20.0
LI-2024-INS004-001627,2024-01-22,3,60,63,1964,female,never_smoker,28.2,67,179,AK,USA,married,bachelors,white_collar,74853.99,0.9088,full_paramedical,145,92,259,66,3.92,74,5.0,False,,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-138,2.0,whole_life,500000,semi_annual,5041.13,,none,3487.02,,,True,excess_of_loss,bank,False,False,False,0.012436,0.034491,SOA_2015_VBT,SOA_Scale_MP2023,2.167,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012436,0.015,False,,1.0,False,,,,0.04,0.0389,False,normal_rate,3.69,1.38,False,True,False,False,False,0.88,35.4,32.4,preferred_longevity,74.7,baseline,0.818,0.908,False,,False,,496512.98,44291.14,35350.26,40329.04,9578.15,False,0,1.29,-2.42
LI-2024-INS004-001628,2009-09-07,3,75,78,1934,male,never_smoker,27.6,60,141,MD,USA,married,high_school,hazardous,251000.42,0.6207,full_paramedical,150,94,203,49,4.14,103,5.2,False,84.0,3.93,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,3.58,2.0,True,False,False,False,34,UW-271,1.5,group_life,250000,annual,2724.51,,none,,,,False,none,employer_group,False,False,False,0.049878,0.113481,SOA_2015_VBT,SOA_Scale_MP2023,1.716,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024939,0.005,False,,1.0,False,,,,0.15,0.2166,False,normal_rate,4.35,0.91,False,False,False,False,False,0.986,10.0,7.0,sub_standard_longevity,32.3,baseline,1.034,0.497,False,,False,,250000.0,7207.71,7817.97,7628.63,8010.06,False,0,0.28,-0.52
LI-2024-INS004-001629,2019-09-21,6,28,34,1991,female,never_smoker,23.7,63,133,WI,USA,married,graduate,professional,46975.78,0.828,accelerated_UW,113,74,219,50,4.38,103,,False,102.7,,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,preferred,,,False,False,False,True,53,UW-096,0.85,indexed_ul,100000,monthly,232.23,,15yr_declining,184.48,,,False,none,bank,False,False,False,0.001434,0.001001,SOA_2015_VBT,SOA_Scale_MP2023,0.794,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.028,False,normal_rate,3.29,2.87,False,True,False,False,False,0.759,70.0,55.0,super_preferred_longevity,100.0,baseline,0.879,0.855,False,,False,,99815.52,1948.85,1879.65,1857.84,441.24,False,0,6.39,22.83
LI-2024-INS004-001630,2009-10-05,4,29,33,1980,male,former_smoker,22.5,70,156,TX,USA,single,bachelors,white_collar,89379.74,0.4135,limited_exam,140,83,184,63,2.92,92,5.7,False,98.2,,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-066,2.0,universal_life,100000,monthly,496.01,,10yr_declining,334.64,,,False,none,independent_broker,False,False,False,0.002207,0.007648,SOA_2015_VBT,SOA_Scale_MP2023,2.072,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002207,0.02,False,,1.0,False,,,,0.08,0.204,False,normal_rate,4.55,0.76,False,True,False,True,False,0.971,63.3,55.0,super_preferred_longevity,100.0,baseline,1.19,0.365,False,,False,,99665.36,3924.56,3690.67,3968.08,942.42,False,0,2.46,-2.78
LI-2024-INS004-001631,2008-02-11,8,24,32,1984,female,former_smoker,24.9,70,173,WA,USA,widowed,bachelors,light_blue_collar,20898.81,0.3144,full_paramedical,119,78,197,63,3.13,99,,False,95.6,,False,False,True,True,False,none,,none,none,substance_use_disorder,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,47,UW-121,2.5,annuity_deferred,1000000,quarterly,7237.18,,none,6044.49,,,True,facultative,captive_agent,False,False,False,0.001676,0.007813,SOA_2015_VBT,SOA_Scale_MP2023,2.502,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002513,0.02,False,,1.0,False,,,,0.02,0.029,False,normal_rate,2.66,3.0,False,False,False,False,False,0.886,70.0,50.4,super_preferred_longevity,100.0,baseline,1.264,0.242,False,,True,-3.076,993955.51,54355.74,60664.09,57897.44,13750.64,False,0,2.32,-20.0
LI-2024-INS004-001632,2017-03-27,1,40,41,1977,female,current_smoker,20.2,58,96,AR,USA,single,some_college,light_blue_collar,52027.51,0.8859,full_paramedical,110,68,180,66,2.73,91,,True,87.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,29,UW-292,1.5,annuity_deferred,500000,monthly,2587.61,,none,1637.5,,,False,none,worksite,False,False,False,0.004418,0.00864,SOA_2015_VBT,SOA_Scale_MP2023,1.742,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002209,0.018,False,,1.0,False,,,,0.06,0.0595,False,normal_rate,5.67,1.2,False,False,False,False,False,0.947,57.5,55.0,super_preferred_longevity,100.0,baseline,0.836,1.0,False,,False,,498362.5,20773.23,19363.17,20700.88,4916.46,False,0,-1.45,5.18
LI-2024-INS004-001633,2004-01-11,22,71,93,1933,male,never_smoker,28.2,64,164,IA,USA,married,some_college,white_collar,62165.29,0.5331,non_med_guaranteed,150,86,239,58,4.12,86,5.3,False,56.9,20.0,False,False,False,False,True,other,5.3,none,none,schizophrenia,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,48,UW-392,2.25,universal_life,500000,monthly,8000.85,,10yr_declining,11693.54,7483.87,0.64,False,none,bank,False,False,False,0.17648,0.669882,SOA_2015_VBT,SOA_Scale_MP2023,2.314,cardiovascular,True,2009-06-03,False,False,1364763.79,0.0007,5e-05,1.095,0.220599,0.005,False,,1.0,False,,,,0.04,0.0306,False,normal_rate,1.5,0.76,False,False,False,False,False,0.857,13.5,1.0,sub_standard_longevity,22.0,baseline,1.1,0.712,False,,False,,488306.46,3129.69,2918.21,3200.34,27362.91,False,0,1.38,-17.55
LI-2024-INS004-001634,2003-12-20,15,36,51,1967,female,never_smoker,19.0,61,100,SC,USA,married,bachelors,light_blue_collar,20333.3,0.5667,full_paramedical,133,78,154,57,2.7,77,5.4,False,,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-488,2.0,term_life,1000000,monthly,8081.35,20.0,none,,,,True,quota_share,worksite,True,False,False,0.004641,0.015087,SOA_2015_VBT,SOA_Scale_MP2023,2.094,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004641,0.015,False,,1.0,False,,,,0.03,0.0374,False,normal_rate,2.68,2.25,False,False,False,False,False,0.847,58.5,43.5,super_preferred_longevity,86.3,baseline,1.075,0.499,False,,False,,1000000.0,58333.0,66032.47,64650.8,15354.57,False,0,2.31,-2.68
LI-2024-INS004-001635,2018-01-21,1,48,49,1970,female,former_smoker,31.7,59,156,FL,USA,married,some_college,light_blue_collar,90604.87,0.6671,full_paramedical,122,82,187,68,2.75,126,4.9,False,81.9,,False,False,False,False,True,lymphoma,1.2,none,none,substance_use_disorder,5,False,False,False,True,True,declined,,,False,False,True,False,45,UW-237,7.0,term_life,500000,monthly,15186.55,25.0,none,,,,False,none,captive_agent,False,False,False,0.005154,0.069472,SOA_2015_VBT,SOA_Scale_MP2023,7.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030926,0.018,False,,1.0,False,,,,0.1,0.1166,False,normal_rate,4.2,0.77,False,False,False,False,False,0.777,47.6,46.6,super_preferred_longevity,92.4,baseline,1.0,0.688,False,,False,,500000.0,128669.2,124782.56,121492.4,28854.44,False,0,-5.0,-20.0
LI-2024-INS004-001636,2017-06-13,1,33,34,1984,male,former_smoker,16.3,73,123,VT,USA,married,high_school,light_blue_collar,119386.05,0.7669,non_med_guaranteed,104,79,159,68,2.34,94,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-366,2.25,term_life,500000,monthly,2942.84,20.0,none,,,,True,none,bank,False,False,False,0.00233,0.007915,SOA_2015_VBT,SOA_Scale_MP2023,2.321,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002913,0.02,False,,1.0,False,,,,0.1,0.1086,False,normal_rate,3.41,1.07,False,True,False,False,False,0.888,61.3,55.0,super_preferred_longevity,100.0,baseline,0.925,0.837,False,,False,,500000.0,22613.88,22510.91,23542.72,5591.4,False,0,-0.38,-9.91
LI-2024-INS004-001637,2018-06-11,7,55,62,1963,female,never_smoker,27.2,64,158,WI,USA,married,bachelors,light_blue_collar,125984.88,0.7898,full_paramedical,126,67,275,42,6.55,109,,False,100.8,,False,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,50,UW-174,1.5,whole_life,1000000,semi_annual,7595.07,,none,5910.37,,,True,excess_of_loss,worksite,False,False,False,0.011241,0.022016,SOA_2015_VBT,SOA_Scale_MP2023,1.607,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00562,0.015,False,,1.0,False,,,,0.02,0.0214,False,normal_rate,3.34,2.75,False,False,False,False,False,0.924,39.8,32.8,preferred_longevity,73.5,baseline,0.908,0.846,False,,False,,994089.63,59313.34,52054.96,60760.56,14430.63,False,0,-0.41,8.94
LI-2024-INS004-001638,2024-03-22,3,56,59,1968,female,never_smoker,32.4,70,225,MN,USA,divorced,some_college,light_blue_collar,38500.33,0.8947,full_paramedical,148,95,182,47,3.87,92,5.7,False,75.9,,False,False,False,False,False,none,,pre_diabetes,none,none,2,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,40,UW-290,1.5,universal_life,2000000,annual,14181.01,,10yr_declining,9632.78,,,True,none,direct_to_consumer,False,False,False,0.008972,0.016839,SOA_2015_VBT,SOA_Scale_MP2023,1.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004486,0.015,False,,1.0,False,,,,0.08,0.0496,False,normal_rate,3.93,0.66,False,False,False,False,False,0.923,40.0,39.4,super_preferred_longevity,85.0,baseline,0.829,0.892,True,53.4,False,,1990367.22,114787.4,103278.31,113448.08,26943.92,False,0,2.61,9.16
LI-2024-INS004-001639,2005-04-22,1,78,79,1927,male,former_smoker,35.5,76,291,VA,USA,married,high_school,white_collar,31544.75,0.1748,accelerated_UW,139,86,259,28,9.25,114,4.6,False,,6.47,False,False,False,True,False,none,,none,none,substance_use_disorder,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,31,UW-155,2.5,group_life,500000,monthly,7808.73,,none,,,,False,none,independent_broker,False,False,False,0.052223,0.268281,SOA_2015_VBT,SOA_Scale_MP2023,2.657,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.078335,0.012,False,,1.0,False,,,,0.18,0.3932,False,normal_rate,2.44,1.78,False,False,False,False,False,0.935,5.0,4.0,sub_standard_longevity,21.1,baseline,1.369,0.0,False,,False,,500000.0,12993.89,12160.24,12493.97,24831.76,False,0,1.96,-20.0
LI-2024-INS004-001640,2007-10-27,17,79,96,1928,female,current_smoker,41.7,66,258,NC,USA,single,some_college,white_collar,47821.01,0.5104,full_paramedical,179,107,284,31,9.16,115,5.5,True,74.8,,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,22,UW-190,2.5,term_life,500000,quarterly,9993.57,20.0,none,,,,False,none,independent_broker,False,False,False,0.268774,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.502,cardiovascular,True,2016-06-17,False,False,303608.93,0.0007,5e-05,1.095,0.403161,0.012,False,,1.0,False,,,,0.03,0.0388,False,normal_rate,3.87,1.17,False,False,False,False,False,0.888,9.2,1.1,sub_standard_longevity,21.8,baseline,1.117,0.467,True,64.2,False,,500000.0,3973.67,3886.77,4397.17,34098.06,False,0,1.42,-15.55
LI-2024-INS004-001641,2013-10-01,9,63,72,1950,female,never_smoker,27.1,71,194,NY,USA,married,some_college,heavy_blue_collar,64795.66,0.7808,full_paramedical,145,87,222,62,3.58,86,5.4,False,71.8,,False,False,False,False,False,none,,none,none,anxiety,12,False,False,False,False,False,substandard_table_1,0.55,1.0,False,False,False,False,16,UW-175,1.25,term_life,250000,semi_annual,1970.65,25.0,none,,,,False,none,captive_agent,False,False,False,0.023034,0.034319,SOA_2015_VBT,SOA_Scale_MP2023,1.356,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005759,0.012,False,,1.0,False,,,,0.05,0.0538,False,normal_rate,6.51,1.5,False,False,False,False,False,0.781,29.6,20.6,standard_longevity,55.1,baseline,0.914,0.892,False,,False,,250000.0,16173.3,15636.97,15765.2,3744.24,False,0,5.52,13.89
LI-2024-INS004-001642,2013-11-21,1,30,31,1983,female,never_smoker,37.4,69,253,FL,USA,married,some_college,white_collar,20000.0,0.6447,non_med_guaranteed,124,89,223,38,5.87,114,5.6,False,95.6,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-161,1.5,whole_life,500000,monthly,1996.79,,none,1167.15,,,False,none,employer_group,False,True,False,0.001226,0.002786,SOA_2015_VBT,SOA_Scale_MP2023,1.744,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000613,0.02,False,,1.0,False,,,,0.06,0.0853,False,normal_rate,3.97,0.65,False,False,False,False,False,0.821,67.6,55.0,super_preferred_longevity,100.0,baseline,1.016,0.475,False,,False,,498832.85,15780.26,15944.98,15974.32,3793.9,False,0,1.15,8.47
LI-2024-INS004-001643,2014-11-15,10,36,46,1978,male,former_smoker,15.5,61,90,AZ,USA,single,bachelors,heavy_blue_collar,60670.4,0.7342,non_med_guaranteed,93,62,163,55,2.96,77,,False,101.9,0.74,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,declined,,,False,False,True,False,21,UW-389,7.0,indexed_ul,500000,quarterly,12548.13,,10yr_declining,11144.53,,,True,quota_share,captive_agent,False,False,False,0.005126,0.063796,SOA_2015_VBT,SOA_Scale_MP2023,6.789,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030757,0.018,False,,1.0,False,,,,0.06,0.03,False,normal_rate,1.41,0.94,False,False,False,False,False,0.828,57.1,46.2,super_preferred_longevity,92.8,baseline,0.949,0.766,False,,True,-0.617,488855.47,94275.87,98052.83,100385.04,23841.45,False,0,-4.44,-20.0
LI-2024-INS004-001644,2003-03-19,15,72,87,1931,female,current_smoker,28.6,59,141,WV,USA,married,graduate,heavy_blue_collar,32770.99,0.5289,simplified_issue,148,92,209,46,4.54,85,,True,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,0.62,4.0,False,False,False,False,25,UW-033,2.0,term_life,2000000,monthly,30658.38,25.0,none,,,,True,none,bank,False,False,False,0.170365,0.567166,SOA_2015_VBT,SOA_Scale_MP2023,2.111,cancer,True,2013-08-18,False,False,1451452.49,0.0007,5e-05,1.095,0.170365,0.005,False,,1.0,False,,,,0.03,0.0383,False,normal_rate,2.91,1.47,False,False,False,False,False,0.852,16.2,1.5,sub_standard_longevity,22.7,baseline,1.103,0.451,False,,True,0.194,2000000.0,18152.52,16729.91,18395.03,103625.32,False,0,3.57,-11.3
LI-2024-INS004-001645,2010-12-24,13,54,67,1956,male,former_smoker,35.0,67,223,MO,USA,divorced,high_school,professional,89875.4,0.9564,limited_exam,147,100,260,54,4.81,76,4.9,False,74.8,2.59,False,True,True,False,True,melanoma,4.8,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,57,UW-270,1.5,whole_life,500000,monthly,4262.4,,none,4437.21,,,False,none,independent_broker,False,False,False,0.026018,0.043942,SOA_2015_VBT,SOA_Scale_MP2023,1.519,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013009,0.012,False,,1.0,False,,,,0.015,0.014,False,normal_rate,4.7,1.38,False,False,False,False,False,0.959,39.2,25.7,preferred_longevity,75.4,baseline,0.783,1.0,True,27.1,False,,495562.79,33888.0,29526.47,34099.2,8098.56,False,0,5.75,10.04
LI-2024-INS004-001646,2004-09-03,20,40,60,1964,female,never_smoker,32.4,61,171,SD,USA,single,graduate,hazardous,66430.73,0.9166,accelerated_UW,135,87,234,42,5.57,86,5.7,False,76.9,,False,False,False,False,False,none,,none,none,depression,8,False,True,False,False,False,substandard_table_1,4.86,1.0,True,False,False,True,19,UW-434,1.25,term_life,500000,monthly,3423.02,30.0,none,,,,False,none,bank,False,False,False,0.00962,0.01395,SOA_2015_VBT,SOA_Scale_MP2023,1.477,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002405,0.015,False,,1.0,False,,,,0.03,0.029,False,normal_rate,4.68,1.82,False,False,False,False,False,0.824,55.5,35.5,preferred_longevity,79.5,baseline,0.813,0.803,False,,False,,500000.0,28090.13,25852.2,27384.16,6503.74,False,0,1.5,14.44
LI-2024-INS004-001647,2012-08-04,4,26,30,1986,female,never_smoker,36.7,59,181,VA,USA,divorced,bachelors,hazardous,56178.21,0.4363,limited_exam,122,79,164,43,3.81,138,5.3,False,96.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,4.79,1.0,True,False,False,False,26,UW-372,1.25,term_life,1000000,annual,3120.14,15.0,none,,,,True,excess_of_loss,bank,False,False,False,0.001168,0.002048,SOA_2015_VBT,SOA_Scale_MP2023,1.282,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000292,0.02,False,,1.0,False,,,,0.07,0.0946,False,normal_rate,3.52,1.36,False,False,False,False,False,0.823,70.0,60.6,super_preferred_longevity,100.0,baseline,1.173,0.489,True,64.3,False,,1000000.0,22510.57,22884.08,24961.12,5928.27,False,0,1.3,9.71
LI-2024-INS004-001648,2002-10-12,8,71,79,1931,male,never_smoker,27.8,74,216,FL,USA,divorced,high_school,white_collar,135411.56,0.7498,non_med_guaranteed,152,103,236,34,6.94,104,5.9,False,57.1,10.67,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,standard,,,False,True,False,False,25,UW-067,1.0,term_life,2000000,monthly,13646.38,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.053597,0.050859,SOA_2015_VBT,SOA_Scale_MP2023,1.012,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,True,2025-09-08,voluntary_surrender,8.0,0.05,0.055,False,normal_rate,3.84,3.0,False,False,False,False,False,0.805,14.0,6.4,sub_standard_longevity,33.3,baseline,0.938,0.743,True,54.4,False,,2000000.0,33130.89,35477.09,34934.73,40775.38,False,0,3.95,18.98
LI-2024-INS004-001649,2002-03-19,15,80,95,1922,female,never_smoker,20.9,62,114,MI,USA,single,bachelors,heavy_blue_collar,114619.67,0.576,full_paramedical,134,77,161,52,3.1,66,5.5,False,48.7,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,1.32,1.0,False,False,False,False,18,UW-053,1.25,term_life,250000,quarterly,2429.7,20.0,none,,,,False,none,captive_agent,False,False,False,0.115618,0.196468,SOA_2015_VBT,SOA_Scale_MP2023,1.357,accident,True,2011-10-28,False,False,542422.55,0.0007,5e-05,1.095,0.028905,0.012,False,,1.0,False,,,,0.03,0.0372,False,normal_rate,2.7,2.25,False,False,False,False,False,0.775,7.6,1.0,sub_standard_longevity,22.6,baseline,1.068,0.679,False,,False,,250000.0,981.49,956.16,971.88,8309.57,False,0,3.08,5.52
LI-2024-INS004-001650,2012-02-09,9,54,63,1958,female,former_smoker,28.2,59,139,WV,USA,married,graduate,professional,108683.07,0.6889,full_paramedical,107,68,196,60,3.27,103,5.7,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,19,UW-366,0.99,universal_life,500000,quarterly,2730.14,,15yr_declining,2282.18,,,False,none,employer_group,True,False,False,0.015083,0.013897,SOA_2015_VBT,SOA_Scale_MP2023,0.937,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0372,False,normal_rate,3.75,2.76,False,False,False,False,False,0.916,39.4,30.4,preferred_longevity,68.4,baseline,0.983,0.81,False,,False,,497717.82,20033.63,19447.78,21841.12,5187.27,False,0,2.59,24.89
LI-2024-INS004-001651,2004-11-11,14,79,93,1925,female,current_smoker,29.6,58,141,KS,USA,married,high_school,white_collar,63619.24,0.4177,full_paramedical,168,104,239,65,3.68,73,4.8,True,71.6,,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,52,UW-365,2.5,universal_life,250000,monthly,5279.46,,10yr_declining,5679.7,,,True,excess_of_loss,captive_agent,False,False,False,0.204528,0.962376,SOA_2015_VBT,SOA_Scale_MP2023,2.701,infectious,True,2017-05-27,False,False,179405.39,0.0007,5e-05,1.095,0.306792,0.012,False,,1.0,True,2026-04-04,voluntary_surrender,14.0,0.04,0.0546,False,normal_rate,3.98,0.57,False,False,False,False,False,0.774,8.4,1.0,sub_standard_longevity,20.3,baseline,1.187,0.519,False,,False,,244320.3,2316.3,1796.75,2111.78,18055.75,False,0,-0.73,-17.52
LI-2024-INS004-001652,2019-11-07,3,29,32,1990,male,current_smoker,36.0,64,209,MN,USA,single,graduate,white_collar,66162.07,0.5672,non_med_guaranteed,126,89,245,46,5.33,109,4.4,True,93.0,,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,18,UW-288,2.5,indexed_ul,500000,annual,3251.86,,15yr_declining,2359.94,,,False,none,independent_broker,False,False,False,0.003222,0.014356,SOA_2015_VBT,SOA_Scale_MP2023,2.75,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004834,0.022,False,,1.0,True,2025-06-10,voluntary_surrender,3.0,0.08,0.0449,False,normal_rate,1.82,1.48,False,False,True,False,False,0.855,68.5,55.0,super_preferred_longevity,100.0,baseline,1.075,0.566,False,,False,,497640.06,26764.8,22397.79,26014.88,6178.53,False,0,-3.01,-20.0
LI-2024-INS004-001653,2005-12-24,7,69,76,1936,female,never_smoker,18.3,58,90,PA,USA,single,some_college,light_blue_collar,32960.4,0.7065,limited_exam,117,71,191,68,2.81,85,5.9,False,65.4,,True,False,True,True,False,none,,none,none,bipolar,1,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,36,UW-475,2.5,universal_life,1000000,monthly,15811.31,,15yr_declining,13103.63,,,True,quota_share,independent_broker,False,False,False,0.033857,0.138878,SOA_2015_VBT,SOA_Scale_MP2023,2.682,cardiovascular,True,2007-09-04,True,False,988340.39,0.0007,5e-05,1.095,0.050786,0.005,False,,1.0,False,,,,0.06,0.0306,False,normal_rate,3.39,2.33,False,False,False,False,False,0.92,23.6,16.6,standard_longevity,58.0,baseline,0.97,0.793,False,,False,,986896.37,112288.58,97735.37,104987.1,34342.16,False,0,2.06,-20.0
LI-2024-INS004-001654,2018-12-05,8,73,81,1945,male,current_smoker,23.1,67,147,MT,USA,single,bachelors,light_blue_collar,223658.73,0.6845,full_paramedical,134,75,195,34,5.74,72,,True,68.0,8.6,False,False,True,False,False,none,,none,severe_gold_3,none,0,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,13,UW-383,3.25,whole_life,250000,semi_annual,5207.89,,none,4291.39,,,False,none,captive_agent,True,False,False,0.128738,0.780071,SOA_2015_VBT,SOA_Scale_MP2023,3.861,other,True,2024-11-05,False,False,1030291.39,0.0007,5e-05,1.095,0.289661,0.008,False,,1.0,False,,,,0.02,0.023,False,normal_rate,3.11,2.55,False,False,False,False,False,0.97,17.1,9.1,standard_longevity,46.4,baseline,0.987,0.597,False,,False,,245708.61,17094.16,17080.53,18956.72,14436.27,False,0,-1.07,-20.0
LI-2024-INS004-001655,2023-06-06,3,51,54,1972,female,never_smoker,35.1,62,191,IA,USA,married,high_school,white_collar,20000.0,0.5229,limited_exam,143,93,241,46,5.24,98,6.5,False,,,False,False,False,False,True,lymphoma,1.5,type_2,none,substance_use_disorder,0,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,55,UW-022,4.0,whole_life,500000,monthly,8383.97,,none,5816.44,,,True,none,independent_broker,False,True,False,0.005914,0.054873,SOA_2015_VBT,SOA_Scale_MP2023,5.668,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017741,0.018,False,,1.0,False,,,,0.04,0.0513,False,normal_rate,1.92,2.99,False,False,False,False,False,0.935,44.3,44.0,super_preferred_longevity,86.3,baseline,1.108,0.338,True,40.0,True,1.261,494183.56,66212.04,60165.49,67071.76,15929.54,False,0,0.49,-20.0
LI-2024-INS004-001656,2014-04-19,9,41,50,1973,female,never_smoker,32.5,72,239,VT,USA,married,bachelors,professional,82336.54,0.6724,full_paramedical,126,73,215,47,4.57,91,5.8,False,93.8,,False,False,True,False,False,none,,none,none,anxiety,12,False,False,False,False,False,standard_plus,,,False,False,False,False,11,UW-203,1.0,whole_life,500000,monthly,2232.82,,none,1877.27,,,False,none,bank,False,False,False,0.004288,0.004141,SOA_2015_VBT,SOA_Scale_MP2023,0.97,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.0232,False,normal_rate,4.58,1.45,False,False,False,False,False,0.871,58.1,49.1,super_preferred_longevity,100.0,baseline,0.996,0.831,False,,False,,498122.73,17340.79,18163.83,17862.56,4242.36,False,0,4.81,16.69
LI-2024-INS004-001657,2012-07-07,7,52,59,1960,female,never_smoker,22.6,66,140,CA,USA,married,graduate,white_collar,50034.81,0.2767,full_paramedical,132,84,170,54,3.15,93,5.8,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,,,False,False,False,False,18,UW-303,1.05,term_life,500000,annual,2684.1,15.0,none,,,,False,none,independent_broker,False,False,False,0.008319,0.011759,SOA_2015_VBT,SOA_Scale_MP2023,1.055,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000416,0.015,False,,1.0,False,,,,0.05,0.0739,False,normal_rate,1.41,1.67,False,False,False,False,False,0.796,40.3,33.3,preferred_longevity,66.6,baseline,1.292,0.19,False,,False,,500000.0,23269.83,22529.67,21472.8,5099.79,False,0,2.8,17.61
LI-2024-INS004-001658,2008-11-21,13,70,83,1938,male,unknown,29.6,69,200,CO,USA,married,bachelors,light_blue_collar,20000.0,0.4969,full_paramedical,120,76,268,65,4.12,91,5.5,False,85.7,9.59,False,True,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-465,2.0,universal_life,100000,monthly,1237.64,,15yr_declining,1302.58,,,True,quota_share,independent_broker,False,False,False,0.090205,0.296434,SOA_2015_VBT,SOA_Scale_MP2023,2.028,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.090205,0.005,False,,1.0,False,,,,0.04,0.0234,False,normal_rate,3.33,2.67,False,False,False,False,False,0.828,15.1,2.3,sub_standard_longevity,23.4,baseline,1.127,0.382,True,57.6,False,,98697.42,1224.47,1095.52,1138.63,4104.01,False,0,1.96,-12.78
LI-2024-INS004-001659,2021-10-26,2,69,71,1952,female,never_smoker,24.3,72,178,IN,USA,married,bachelors,white_collar,38444.83,0.3255,limited_exam,146,99,192,50,3.84,93,5.1,False,90.3,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-382,1.5,group_life,500000,monthly,4794.17,,none,,,,False,none,independent_broker,False,False,False,0.021623,0.061416,SOA_2015_VBT,SOA_Scale_MP2023,1.697,cardiovascular,True,2022-11-12,True,False,450419.81,0.0007,5e-05,1.095,0.010811,0.012,True,0.00452,1.0,False,,,,0.15,0.2159,False,normal_rate,3.13,0.69,False,False,False,False,False,0.92,22.1,20.1,standard_longevity,47.5,baseline,1.256,0.148,False,,False,,500000.0,39849.9,35880.16,38353.36,9108.92,False,0,2.13,2.95
LI-2024-INS004-001660,2022-10-01,2,39,41,1983,male,never_smoker,25.7,75,205,NH,USA,married,some_college,white_collar,33681.73,0.3801,full_paramedical,115,72,205,45,4.56,84,,False,90.3,0.52,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-054,2.0,indexed_ul,1000000,monthly,6410.36,,10yr_declining,4044.52,,,True,none,captive_agent,True,False,False,0.002761,0.018986,SOA_2015_VBT,SOA_Scale_MP2023,2.169,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,True,0.00895,1.0,False,,,,0.08,0.0503,False,normal_rate,3.18,2.6,False,False,False,False,False,0.867,53.6,51.6,super_preferred_longevity,95.6,baseline,1.215,0.278,False,,False,,995955.48,49112.1,49506.97,51282.88,12179.68,False,0,1.29,-10.1
LI-2024-INS004-001661,2013-02-09,5,27,32,1986,male,never_smoker,24.7,68,162,NH,USA,married,some_college,professional,479964.47,0.382,full_paramedical,118,70,190,43,4.42,87,,False,98.3,,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-346,2.25,term_life,500000,semi_annual,3120.59,15.0,none,,,,False,none,independent_broker,False,False,False,0.001611,0.006534,SOA_2015_VBT,SOA_Scale_MP2023,2.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002014,0.02,False,,1.0,False,,,,0.07,0.0976,False,normal_rate,3.25,2.27,False,False,False,False,False,0.91,66.0,55.0,super_preferred_longevity,100.0,baseline,1.214,0.475,False,,False,,500000.0,27242.57,24445.22,24964.72,5929.12,False,0,0.73,-8.49
LI-2024-INS004-001662,2010-10-09,16,30,46,1980,female,current_smoker,39.1,67,249,OH,USA,single,graduate,light_blue_collar,20000.0,0.5631,full_paramedical,147,92,203,30,6.77,87,6.1,True,82.3,,False,False,False,False,False,none,,pre_diabetes,moderate_gold_2,depression,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,58,UW-076,2.5,term_life,1000000,monthly,10760.26,20.0,none,,,,True,none,bank,False,False,False,0.006309,0.027006,SOA_2015_VBT,SOA_Scale_MP2023,2.58,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009464,0.02,False,,1.0,False,,,,0.03,0.0375,False,normal_rate,4.72,0.71,False,False,False,False,False,0.856,66.9,50.9,super_preferred_longevity,97.3,baseline,1.078,0.808,False,,False,,1000000.0,83859.47,81247.1,86082.08,20444.49,False,0,3.36,-20.0
LI-2024-INS004-001663,2017-11-05,1,36,37,1981,female,current_smoker,27.6,67,176,LA,USA,married,high_school,heavy_blue_collar,31103.22,0.6949,full_paramedical,129,84,201,56,3.59,94,,True,,,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,True,False,True,substandard_table_7,0.9,7.0,False,False,False,False,65,UW-284,2.75,universal_life,1000000,annual,9741.34,,10yr_declining,6498.55,,,True,none,independent_broker,False,False,False,0.003415,0.015425,SOA_2015_VBT,SOA_Scale_MP2023,2.827,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005976,0.02,False,,1.0,False,,,,0.12,0.0618,False,normal_rate,2.16,0.81,False,False,False,False,False,0.981,61.5,55.0,super_preferred_longevity,100.0,baseline,0.979,0.765,False,,False,,993501.45,77404.08,77837.09,77930.72,18508.55,False,0,0.86,-20.0
LI-2024-INS004-001664,2000-01-03,5,18,23,1982,female,never_smoker,32.2,66,199,VT,USA,married,less_than_hs,professional,35649.88,0.6128,full_paramedical,104,63,173,40,4.33,78,5.5,False,107.2,,True,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,52,UW-389,1.25,universal_life,1000000,semi_annual,2305.13,,10yr_declining,1630.12,,,True,quota_share,bank,False,False,False,0.000882,0.001414,SOA_2015_VBT,SOA_Scale_MP2023,1.301,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000221,0.02,False,,1.0,False,,,,0.08,0.0436,False,normal_rate,4.75,2.8,False,False,False,False,False,0.926,70.0,55.0,super_preferred_longevity,100.0,baseline,1.04,0.773,False,,False,,998369.88,18849.12,18525.99,18441.04,4379.75,False,0,6.65,11.78
LI-2024-INS004-001665,2022-09-07,5,62,67,1960,female,former_smoker,32.8,61,173,GA,USA,married,bachelors,white_collar,22345.79,0.5153,full_paramedical,115,69,165,35,4.71,94,5.9,False,,,True,False,False,False,False,none,,pre_diabetes,none,depression,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,13,UW-473,1.25,whole_life,2000000,monthly,12902.28,,none,9205.36,,,True,none,worksite,False,False,False,0.021514,0.042069,SOA_2015_VBT,SOA_Scale_MP2023,1.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005379,0.015,True,0.00531,1.0,False,,,,0.04,0.0515,False,normal_rate,1.87,1.15,False,False,False,False,False,0.963,31.3,26.3,standard_longevity,59.7,baseline,1.114,0.596,False,,False,,1990794.64,112190.06,87798.46,103218.24,24514.33,False,0,1.55,2.74
LI-2024-INS004-001666,2019-12-22,3,67,70,1952,female,former_smoker,28.2,63,159,MA,USA,single,some_college,light_blue_collar,20973.99,0.9001,accelerated_UW,142,93,206,53,3.89,99,,False,57.7,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,22,UW-339,1.5,whole_life,5000000,semi_annual,40161.06,,none,27126.16,,,True,none,direct_to_consumer,False,False,False,0.025759,0.045603,SOA_2015_VBT,SOA_Scale_MP2023,1.54,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012879,0.012,False,,1.0,False,,,,0.04,0.0549,False,normal_rate,4.75,0.8,False,False,False,False,False,0.908,26.4,23.4,preferred_longevity,61.1,baseline,0.825,0.661,False,,False,,4972873.84,325741.97,287034.6,321288.48,76306.01,False,0,-0.65,9.09
LI-2024-INS004-001667,2024-11-15,3,58,61,1966,female,former_smoker,27.9,72,205,OH,USA,divorced,bachelors,white_collar,105985.35,0.9015,simplified_issue,120,80,212,51,4.16,102,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-473,2.25,term_life,1000000,semi_annual,12664.56,10.0,none,,,,True,quota_share,captive_agent,True,False,False,0.013826,0.0438,SOA_2015_VBT,SOA_Scale_MP2023,2.328,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017282,0.015,False,,1.0,False,,,,0.07,0.0685,False,normal_rate,3.62,0.91,False,False,False,False,False,0.975,37.7,34.7,preferred_longevity,78.1,baseline,0.824,0.821,False,,False,,1000000.0,95418.8,86556.72,101316.48,24062.66,False,0,2.53,-11.87
LI-2024-INS004-001668,2003-02-23,2,50,52,1953,female,current_smoker,28.6,69,193,MT,USA,married,high_school,white_collar,302574.89,0.8844,full_paramedical,110,68,198,51,3.88,121,,True,82.4,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,3,UW-008,2.5,whole_life,2000000,monthly,20230.37,,none,13943.61,,,True,none,captive_agent,False,False,False,0.008699,0.031804,SOA_2015_VBT,SOA_Scale_MP2023,2.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013048,0.012,False,,1.0,False,,,,0.04,0.0397,False,normal_rate,3.88,1.96,False,False,False,False,False,0.974,43.4,47.0,super_preferred_longevity,96.3,baseline,0.837,0.899,True,73.1,False,,1986056.39,153933.67,160008.59,161842.96,38437.7,False,0,1.33,-13.94
LI-2024-INS004-001669,2011-03-23,5,27,32,1984,male,former_smoker,28.9,72,213,SC,USA,married,high_school,hazardous,145179.29,0.8395,full_paramedical,146,92,202,56,3.61,106,,False,77.7,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,4.19,2.0,True,False,False,False,7,UW-419,1.5,whole_life,1000000,monthly,3647.6,,none,2624.81,,,True,none,independent_broker,False,False,False,0.002095,0.004218,SOA_2015_VBT,SOA_Scale_MP2023,1.739,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001047,0.02,False,,1.0,False,,,,0.04,0.0411,False,normal_rate,5.04,1.5,False,False,False,False,False,0.97,67.6,55.0,super_preferred_longevity,100.0,baseline,0.87,0.941,False,,False,,997375.19,26363.39,27115.32,29180.8,6930.44,False,0,1.62,10.47
LI-2024-INS004-001670,2013-11-28,6,58,64,1955,male,former_smoker,26.1,75,209,KS,USA,married,bachelors,white_collar,22018.48,0.6295,full_paramedical,116,78,193,36,5.36,110,5.3,False,,2.88,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-286,1.25,term_life,1000000,quarterly,7170.7,25.0,none,,,,True,none,independent_broker,False,False,False,0.01982,0.03364,SOA_2015_VBT,SOA_Scale_MP2023,1.408,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004955,0.012,False,,1.0,False,,,,0.05,0.0598,False,normal_rate,5.41,1.0,True,False,False,False,False,0.955,30.7,24.7,standard_longevity,59.0,baseline,1.028,0.613,False,,False,,1000000.0,57001.04,59389.77,57365.6,13624.33,False,0,4.02,12.09
LI-2024-INS004-001671,2008-01-06,2,65,67,1943,female,never_smoker,30.6,65,183,NM,USA,married,high_school,heavy_blue_collar,20000.0,0.4867,full_paramedical,142,94,217,60,3.62,87,,False,,,False,False,True,False,False,none,,none,none,none,5,False,False,False,True,True,substandard_table_2,1.29,2.0,False,False,False,False,37,UW-128,1.5,universal_life,1000000,quarterly,8416.22,,10yr_declining,5743.38,,,True,none,captive_agent,False,False,False,0.014958,0.036508,SOA_2015_VBT,SOA_Scale_MP2023,1.71,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007479,0.008,False,,1.0,False,,,,0.08,0.0472,False,normal_rate,4.01,0.73,False,False,False,False,False,0.782,28.0,28.4,preferred_longevity,72.4,baseline,1.135,0.43,True,61.6,False,,994256.62,67585.96,65926.98,67329.76,15990.82,False,0,5.32,6.04
LI-2024-INS004-001672,2003-07-10,9,57,66,1946,female,never_smoker,34.5,71,247,ND,USA,single,bachelors,professional,123532.54,0.4581,full_paramedical,142,85,280,61,4.59,95,5.5,False,53.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-336,1.25,term_life,2000000,semi_annual,12180.17,30.0,none,,,,True,facultative,captive_agent,False,False,False,0.014047,0.025166,SOA_2015_VBT,SOA_Scale_MP2023,1.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003512,0.008,False,,1.0,False,,,,0.05,0.0667,False,normal_rate,3.91,2.78,False,False,False,False,False,0.886,33.4,24.4,standard_longevity,56.0,baseline,1.156,0.373,False,,False,,2000000.0,99237.77,92356.94,97441.36,23142.32,False,0,6.82,12.41
LI-2024-INS004-001673,2002-06-05,9,33,42,1969,female,former_smoker,36.3,70,253,TN,USA,married,graduate,professional,72773.26,0.4837,non_med_guaranteed,112,72,194,41,4.73,90,4.8,False,69.9,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-264,1.25,term_life,500000,monthly,2180.67,25.0,none,,,,True,none,bank,False,False,False,0.003075,0.005917,SOA_2015_VBT,SOA_Scale_MP2023,1.472,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000769,0.015,False,,1.0,False,,,,0.05,0.0657,False,normal_rate,3.71,2.31,False,True,False,False,False,0.874,61.5,52.5,super_preferred_longevity,98.5,baseline,1.137,0.49,False,,False,,500000.0,16178.16,16418.52,17445.36,4143.27,False,0,0.33,12.35
LI-2024-INS004-001674,2017-03-04,6,20,26,1997,male,current_smoker,32.0,67,204,NC,USA,widowed,less_than_hs,professional,55299.27,0.8736,full_paramedical,144,93,164,61,2.69,109,,True,,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,13,UW-125,2.5,universal_life,1000000,monthly,5203.3,,10yr_declining,3793.62,,,True,none,bank,False,False,False,0.002457,0.009126,SOA_2015_VBT,SOA_Scale_MP2023,2.621,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003686,0.022,False,,1.0,False,,,,0.06,0.027,False,normal_rate,4.84,2.47,False,False,False,False,False,0.759,70.0,55.0,super_preferred_longevity,100.0,baseline,0.845,0.701,False,,False,,996206.38,44977.89,42362.32,41626.4,9886.27,False,0,2.4,-11.11
LI-2024-INS004-001675,2002-11-25,14,51,65,1951,male,never_smoker,25.5,71,182,WV,USA,married,bachelors,heavy_blue_collar,79208.13,0.4876,simplified_issue,132,79,218,79,2.76,84,5.1,False,,2.62,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,preferred,1.26,,False,False,False,False,14,UW-364,0.83,indexed_ul,5000000,annual,22542.85,,15yr_declining,23251.66,,,True,quota_share,captive_agent,False,False,False,0.015839,0.0152,SOA_2015_VBT,SOA_Scale_MP2023,0.846,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0236,False,normal_rate,4.32,1.76,False,False,False,False,False,0.916,36.6,22.6,standard_longevity,53.7,baseline,1.134,0.557,False,,False,,4976748.34,182132.2,160053.97,180342.8,42831.41,False,0,3.7,11.51
LI-2024-INS004-001676,2006-05-26,11,54,65,1952,female,current_smoker,29.1,63,164,MD,USA,married,graduate,white_collar,108930.52,0.9304,full_paramedical,135,82,250,37,6.76,94,,True,,,False,False,False,False,False,none,,none,severe_gold_3,bipolar,2,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,26,UW-379,3.25,term_life,250000,annual,4269.1,25.0,none,,,,True,none,employer_group,False,False,False,0.025651,0.136217,SOA_2015_VBT,SOA_Scale_MP2023,3.815,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.057715,0.012,False,,1.0,False,,,,0.03,0.0344,False,normal_rate,3.21,1.66,False,False,False,False,False,0.845,39.5,28.5,preferred_longevity,69.2,baseline,0.802,0.869,False,,False,,250000.0,36687.36,31144.2,34152.8,8111.29,False,0,0.43,-20.0
LI-2024-INS004-001677,2005-01-03,4,48,52,1957,female,never_smoker,30.4,72,224,KS,USA,single,bachelors,professional,137353.44,0.5353,accelerated_UW,131,77,235,43,5.47,119,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,39,UW-127,2.25,whole_life,500000,monthly,5099.7,,none,3661.44,,,False,none,captive_agent,False,False,False,0.004565,0.017554,SOA_2015_VBT,SOA_Scale_MP2023,2.363,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005706,0.012,False,,1.0,True,2025-12-31,voluntary_surrender,4.0,0.04,0.0509,False,normal_rate,4.86,1.33,False,False,True,False,False,0.877,44.7,40.7,super_preferred_longevity,81.6,baseline,1.099,0.548,False,,False,,496338.56,43718.39,34679.33,40797.6,9689.43,False,0,0.79,-8.15
LI-2024-INS004-001678,2004-04-03,9,43,52,1961,male,never_smoker,21.5,61,113,CA,USA,married,graduate,professional,41525.82,0.4334,limited_exam,125,74,190,65,2.92,60,,False,,1.72,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,13,UW-134,0.67,group_life,500000,monthly,1580.17,,none,,,,False,none,direct_to_consumer,False,False,False,0.005916,0.004511,SOA_2015_VBT,SOA_Scale_MP2023,0.649,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.12,0.2274,False,normal_rate,4.22,1.35,False,False,False,False,False,0.898,46.1,41.0,super_preferred_longevity,80.5,baseline,1.175,0.405,True,65.0,False,,500000.0,11536.62,11307.02,12641.36,3002.32,False,0,5.18,33.57
LI-2024-INS004-001679,2001-07-22,18,19,37,1982,female,former_smoker,25.7,58,122,PA,USA,married,bachelors,hazardous,22223.5,0.6074,full_paramedical,133,80,213,44,4.84,93,5.2,False,,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,3.71,5.0,True,False,False,False,5,UW-380,2.25,whole_life,250000,annual,1943.44,,none,2496.07,,,True,none,worksite,False,False,False,0.00222,0.008113,SOA_2015_VBT,SOA_Scale_MP2023,2.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002774,0.02,False,,1.0,False,,,,0.015,0.0182,False,normal_rate,1.97,1.08,False,False,False,False,False,0.904,70.0,63.2,super_preferred_longevity,100.0,baseline,1.044,0.514,True,92.2,False,,247503.93,15832.1,16253.85,15547.52,3692.54,False,0,1.32,-12.39
LI-2024-INS004-001680,2007-05-15,16,32,48,1975,male,former_smoker,23.5,74,182,AK,USA,married,bachelors,white_collar,20000.0,0.7143,full_paramedical,120,83,184,49,3.76,64,,False,83.7,2.38,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-257,0.83,term_life,250000,annual,738.91,20.0,none,,,,False,none,worksite,False,False,False,0.005964,0.004842,SOA_2015_VBT,SOA_Scale_MP2023,0.842,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0339,False,normal_rate,3.09,0.93,False,False,False,False,False,0.977,60.5,46.5,super_preferred_longevity,93.0,baseline,0.964,0.559,True,47.7,False,,250000.0,6129.3,5732.11,5911.28,1403.93,False,0,7.12,22.94
LI-2024-INS004-001681,2020-11-22,3,56,59,1964,male,never_smoker,35.9,61,190,TX,USA,divorced,high_school,white_collar,65760.34,0.4429,full_paramedical,144,79,222,43,5.16,114,5.0,False,78.5,3.05,False,False,False,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,standard,,,False,True,False,False,16,UW-237,1.0,annuity_deferred,1000000,annual,5184.75,,none,3475.94,,,True,excess_of_loss,worksite,True,True,False,0.011046,0.017531,SOA_2015_VBT,SOA_Scale_MP2023,1.073,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00369,1.0,True,2026-04-02,non_payment,3.0,0.04,0.0538,False,normal_rate,4.89,1.08,False,False,False,False,True,0.784,33.6,30.6,preferred_longevity,65.0,baseline,1.168,0.412,False,,False,,996524.06,40778.17,38076.7,41478.0,9851.02,False,0,4.19,18.57
LI-2024-INS004-001682,2008-04-10,2,35,37,1973,male,current_smoker,28.9,60,147,CO,USA,married,bachelors,professional,166960.44,0.898,full_paramedical,148,89,174,53,3.28,101,,True,90.6,,False,True,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-297,2.0,annuity_deferred,1000000,monthly,6574.03,,none,4096.17,,,True,facultative,direct_to_consumer,False,False,False,0.004268,0.011716,SOA_2015_VBT,SOA_Scale_MP2023,2.111,accident,True,2008-12-27,True,False,1014034.43,0.0007,5e-05,1.095,0.004268,0.018,False,,1.0,False,,,,0.04,0.055,False,normal_rate,1.38,0.88,False,False,False,False,False,0.871,58.0,55.1,super_preferred_longevity,100.0,baseline,0.827,0.93,True,34.1,False,,995903.83,51885.43,50805.8,52592.24,12490.66,False,0,-0.37,-4.41
LI-2024-INS004-001683,2002-12-13,15,51,66,1951,female,former_smoker,25.8,62,141,WA,USA,single,some_college,hazardous,236471.58,0.586,full_paramedical,142,96,214,44,4.86,80,5.2,False,77.9,,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_2,2.5,2.0,True,False,False,False,17,UW-221,1.5,annuity_deferred,2000000,monthly,15423.4,,none,17144.72,12172.75,0.71,True,facultative,direct_to_consumer,False,False,False,0.017965,0.040893,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008982,0.012,False,,1.0,False,,,,0.01,0.0103,False,normal_rate,2.98,1.97,False,False,False,False,False,0.852,41.0,26.0,preferred_longevity,60.3,baseline,1.06,0.536,False,,False,,1982855.28,134349.1,116829.9,123387.2,29304.46,False,0,4.03,-1.76
LI-2024-INS004-001684,2015-07-13,5,38,43,1977,male,former_smoker,22.0,72,161,ME,USA,married,bachelors,white_collar,264799.32,0.3577,limited_exam,131,89,150,47,3.19,100,5.3,False,92.0,1.23,True,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-148,1.25,indexed_ul,500000,annual,2180.53,,10yr_declining,1675.31,,,False,none,captive_agent,False,False,False,0.004122,0.007495,SOA_2015_VBT,SOA_Scale_MP2023,1.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001031,0.018,False,,1.0,False,,,,0.08,0.0509,False,normal_rate,4.17,1.95,False,False,False,False,False,0.785,53.4,48.4,super_preferred_longevity,90.5,baseline,1.232,0.361,False,,False,,498324.69,16405.6,18044.13,17444.24,4143.01,False,0,3.74,15.22
LI-2024-INS004-001685,2024-05-13,3,29,32,1995,male,unknown,18.4,61,97,UT,USA,married,bachelors,professional,64656.27,0.6423,full_paramedical,114,58,145,60,2.42,95,,False,84.7,,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,standard,,,False,False,False,False,20,UW-309,1.01,term_life,500000,monthly,1226.27,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001853,0.00209,SOA_2015_VBT,SOA_Scale_MP2023,1.098,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,1.9e-05,0.022,False,,1.0,False,,,,0.07,0.083,False,normal_rate,4.46,1.39,False,False,False,False,False,0.97,66.6,55.0,super_preferred_longevity,100.0,baseline,1.018,0.6,False,,False,,500000.0,10610.86,8532.77,9810.16,2329.91,False,0,3.7,20.11
LI-2024-INS004-001686,2010-03-08,14,64,78,1946,male,never_smoker,22.4,74,174,MD,USA,single,some_college,white_collar,28532.67,0.6373,full_paramedical,152,89,233,62,3.76,84,5.2,False,,20.0,False,False,False,False,False,none,,none,none,schizophrenia,13,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-310,2.25,annuity_deferred,500000,monthly,6617.18,,none,6940.67,,,False,none,bank,True,False,False,0.050017,0.182292,SOA_2015_VBT,SOA_Scale_MP2023,2.343,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.062521,0.008,False,,1.0,False,,,,0.01,0.0119,False,normal_rate,5.36,1.44,False,False,False,False,False,0.813,23.1,9.1,standard_longevity,35.7,baseline,1.022,0.791,False,,False,,493059.33,22891.06,22232.99,24086.54,18342.82,False,0,-1.55,-8.59
LI-2024-INS004-001687,2017-04-02,4,65,69,1952,female,never_smoker,22.0,64,128,MS,USA,single,some_college,white_collar,20908.55,0.4852,full_paramedical,131,76,217,52,4.17,80,,False,76.9,,True,False,True,True,False,none,,none,none,substance_use_disorder,1,False,False,False,False,True,standard,,,False,True,False,False,28,UW-001,1.0,universal_life,2000000,annual,12977.05,,15yr_declining,8638.28,,,True,coinsurance,direct_to_consumer,False,False,False,0.018159,0.022631,SOA_2015_VBT,SOA_Scale_MP2023,1.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0661,False,normal_rate,1.63,2.18,False,False,False,False,False,0.932,29.7,25.7,preferred_longevity,68.3,baseline,1.136,0.595,False,,False,,1991361.72,106525.17,105423.72,103816.4,24656.39,False,0,3.56,21.45
LI-2024-INS004-001688,2013-02-04,5,49,54,1964,female,former_smoker,20.7,61,109,NH,USA,married,bachelors,white_collar,22660.49,0.3652,full_paramedical,126,69,212,47,4.51,81,5.6,False,92.2,,True,False,False,False,False,none,,none,none,depression,9,False,True,False,True,True,substandard_table_1,,1.0,False,False,False,False,49,UW-203,1.25,term_life,250000,monthly,1468.24,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.007572,0.014928,SOA_2015_VBT,SOA_Scale_MP2023,1.404,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001893,0.015,False,,1.0,False,,,,0.07,0.6298,False,normal_rate,4.81,0.97,False,False,False,True,False,0.942,44.3,39.3,preferred_longevity,76.9,baseline,1.226,0.257,False,,False,,250000.0,12817.06,12086.33,11745.92,2789.66,False,0,2.65,10.55
LI-2024-INS004-001689,2013-08-24,11,65,76,1948,male,never_smoker,25.2,64,146,ND,USA,single,some_college,heavy_blue_collar,63529.35,0.7504,limited_exam,133,75,258,53,4.87,118,,False,94.3,11.91,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,1.21,5.0,False,False,False,False,9,UW-260,2.25,term_life,250000,monthly,3455.3,15.0,none,,,,False,none,captive_agent,False,False,False,0.042696,0.151167,SOA_2015_VBT,SOA_Scale_MP2023,2.444,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.05337,0.008,False,,1.0,False,,,,0.03,0.033,False,normal_rate,3.77,0.82,False,False,False,False,False,0.772,22.8,12.1,standard_longevity,41.9,baseline,0.937,0.699,True,42.2,False,,250000.0,17263.78,16781.12,16723.65,8748.82,False,0,-0.45,-11.88
LI-2024-INS004-001690,2013-05-01,8,23,31,1990,male,never_smoker,25.3,61,133,IA,USA,single,high_school,professional,79417.44,0.8082,full_paramedical,141,83,215,57,3.77,89,5.0,False,83.7,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-032,1.25,annuity_deferred,1000000,quarterly,2913.5,,none,2417.89,,,True,none,captive_agent,False,False,False,0.001532,0.002259,SOA_2015_VBT,SOA_Scale_MP2023,1.37,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000383,0.022,False,,1.0,False,,,,0.02,0.0211,False,normal_rate,3.38,1.36,False,False,False,False,False,0.965,70.0,58.7,super_preferred_longevity,100.0,baseline,0.894,0.884,True,54.4,False,,997582.11,21887.23,23720.89,23308.0,5535.65,False,0,3.48,16.82
LI-2024-INS004-001691,2004-03-03,16,79,95,1925,female,current_smoker,27.8,72,204,MI,USA,married,bachelors,professional,149418.4,0.5998,non_med_guaranteed,132,80,173,51,3.39,85,,True,71.1,,False,False,True,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,30,UW-198,2.75,whole_life,500000,quarterly,9749.53,,none,11190.14,,,False,none,independent_broker,False,False,False,0.239765,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.878,cardiovascular,True,2007-12-10,False,False,1747066.11,0.0007,5e-05,1.095,0.419589,0.012,False,,1.0,False,,,,0.015,0.0183,False,normal_rate,3.76,2.74,False,False,False,False,False,0.966,12.1,1.0,sub_standard_longevity,33.0,baseline,1.05,0.594,False,,False,,488809.86,3530.04,3952.43,3899.81,33343.39,False,0,-4.09,-20.0
LI-2024-INS004-001692,2024-04-20,3,73,76,1951,male,never_smoker,26.7,75,213,MN,USA,widowed,some_college,light_blue_collar,20000.0,0.6512,full_paramedical,136,88,204,47,4.34,99,,False,65.1,5.59,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,28,UW-285,1.0,term_life,250000,monthly,1796.14,20.0,none,,,,False,none,independent_broker,False,False,False,0.041332,0.041895,SOA_2015_VBT,SOA_Scale_MP2023,1.002,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0825,False,normal_rate,2.42,1.21,False,False,False,False,False,0.797,15.2,13.7,standard_longevity,42.8,baseline,1.012,0.653,True,70.8,False,,250000.0,10225.21,9073.79,9842.85,4317.92,False,0,7.46,15.08
LI-2024-INS004-001693,2017-07-04,9,80,89,1937,male,never_smoker,29.8,67,190,IA,USA,single,bachelors,professional,112820.45,0.6859,non_med_guaranteed,127,78,247,48,5.15,124,5.7,False,34.2,13.35,False,False,False,False,True,prostate,7.9,none,none,none,6,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,25,UW-321,1.25,term_life,1000000,monthly,8378.08,10.0,none,,,,True,none,independent_broker,True,False,False,0.129753,0.207891,SOA_2015_VBT,SOA_Scale_MP2023,1.372,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032438,0.005,False,,1.0,False,,,,0.05,0.0576,False,normal_rate,3.16,1.83,False,False,False,False,True,0.893,5.7,1.0,sub_standard_longevity,24.3,baseline,0.986,0.674,True,40.1,False,,1000000.0,3171.72,3165.39,3351.23,28653.03,False,0,5.97,9.16
LI-2024-INS004-001694,2014-11-21,3,72,75,1942,female,unknown,29.8,68,195,CA,USA,divorced,high_school,light_blue_collar,84623.86,0.8334,full_paramedical,120,74,246,41,6.0,107,5.2,False,63.9,,True,True,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-104,2.0,term_life,100000,annual,1175.18,20.0,none,,,,False,none,captive_agent,False,False,False,0.034303,0.100303,SOA_2015_VBT,SOA_Scale_MP2023,2.199,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034303,0.008,False,,1.0,False,,,,0.07,0.0723,False,normal_rate,0.49,2.83,False,False,False,False,False,0.973,22.3,19.3,preferred_longevity,64.0,baseline,0.875,0.851,False,,False,,100000.0,9370.0,9327.1,9072.39,2298.65,False,0,0.26,-7.86
LI-2024-INS004-001695,2017-08-21,10,62,72,1955,female,never_smoker,32.4,72,238,NV,USA,married,some_college,professional,189708.62,0.6615,accelerated_UW,154,103,207,23,9.0,97,5.3,False,74.9,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,30,UW-248,2.0,whole_life,250000,annual,3415.15,,none,3245.22,,,True,coinsurance,bank,False,False,False,0.024467,0.079634,SOA_2015_VBT,SOA_Scale_MP2023,2.246,neurological,True,2022-08-01,False,False,320483.21,0.0007,5e-05,1.095,0.024467,0.012,False,,1.0,False,,,,0.02,0.0234,False,normal_rate,1.61,1.69,False,False,False,False,False,0.944,30.9,20.9,standard_longevity,53.8,baseline,1.004,0.74,False,,False,,246754.78,28215.65,23421.46,27321.2,6488.78,False,0,1.33,-5.16
LI-2024-INS004-001696,2008-08-27,12,34,46,1974,female,former_smoker,28.7,72,211,LA,USA,married,bachelors,professional,30255.07,0.7545,full_paramedical,100,55,209,69,3.03,81,,False,97.6,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,24,UW-201,0.85,whole_life,500000,monthly,1866.9,,none,1835.5,,,False,none,independent_broker,False,False,False,0.004101,0.00321,SOA_2015_VBT,SOA_Scale_MP2023,0.838,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0164,False,normal_rate,5.1,2.57,False,False,False,False,False,0.844,62.6,52.2,super_preferred_longevity,100.0,baseline,0.934,0.664,False,,True,1.079,498164.5,14490.33,13354.27,14935.2,3547.11,False,0,3.02,24.27
LI-2024-INS004-001697,2020-08-23,1,76,77,1944,male,never_smoker,20.9,64,122,HI,USA,married,graduate,professional,68390.48,0.6659,full_paramedical,126,81,236,30,7.87,99,5.2,False,68.3,5.51,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-218,1.5,whole_life,500000,annual,4164.17,,none,2734.62,,,False,none,independent_broker,False,False,False,0.045114,0.102211,SOA_2015_VBT,SOA_Scale_MP2023,1.711,cancer,True,2021-04-12,True,True,469119.85,0.0007,5e-05,1.095,0.022557,0.008,True,0.00242,1.0,False,,,,0.06,0.07,False,normal_rate,1.96,2.09,False,False,False,False,False,0.881,10.9,9.9,standard_longevity,37.3,baseline,1.001,0.709,False,,False,,497265.38,16746.17,17293.25,16490.11,11276.57,False,0,-2.27,6.94
LI-2024-INS004-001698,2019-11-07,7,55,62,1964,female,former_smoker,36.9,59,182,PA,USA,married,high_school,hazardous,83514.16,0.5473,full_paramedical,133,88,267,63,4.24,94,5.0,False,83.3,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,3.74,1.0,True,False,False,False,15,UW-306,1.25,whole_life,2000000,quarterly,11715.2,,none,8882.79,,,True,none,captive_agent,True,True,False,0.014836,0.026742,SOA_2015_VBT,SOA_Scale_MP2023,1.425,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003709,0.015,False,,1.0,False,,,,0.02,0.0252,False,normal_rate,4.03,1.09,False,False,False,False,False,0.956,39.0,32.0,preferred_longevity,68.7,baseline,1.09,0.508,False,,False,,1991117.21,85495.15,80153.6,93721.6,22258.88,False,0,6.83,10.03
LI-2024-INS004-001699,2018-07-07,9,23,32,1995,male,former_smoker,30.5,72,224,WA,USA,single,some_college,professional,115709.85,0.7989,limited_exam,138,83,115,21,5.48,75,5.0,False,91.3,,False,True,False,False,False,none,,none,none,bipolar,3,False,False,True,True,True,substandard_table_4,,4.0,False,False,False,False,30,UW-093,2.0,indexed_ul,1000000,monthly,5947.09,,10yr_declining,5169.84,,,True,none,captive_agent,False,False,False,0.002095,0.006093,SOA_2015_VBT,SOA_Scale_MP2023,2.119,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002095,0.022,False,,1.0,False,,,,0.06,0.0286,False,normal_rate,4.13,0.8,False,False,False,False,False,0.895,70.0,58.0,super_preferred_longevity,100.0,baseline,0.901,0.685,True,50.7,False,,994830.16,46248.21,45752.11,47576.72,11299.47,False,0,0.7,-8.64
LI-2024-INS004-001700,2011-10-17,3,46,49,1965,male,unknown,21.3,73,161,RI,USA,divorced,less_than_hs,light_blue_collar,22810.12,0.2831,full_paramedical,131,77,207,66,3.14,103,,False,,2.64,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard,,,False,False,False,False,3,UW-144,1.01,term_life,100000,semi_annual,415.46,25.0,none,,,,False,none,employer_group,False,False,False,0.005699,0.007895,SOA_2015_VBT,SOA_Scale_MP2023,1.068,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,5.7e-05,0.015,False,,1.0,False,,,,0.07,0.1733,False,normal_rate,6.46,0.56,False,False,False,False,False,0.965,43.1,40.1,preferred_longevity,76.9,baseline,1.288,0.535,False,,False,,100000.0,3624.54,3356.95,3323.68,789.37,False,0,7.48,8.87
LI-2024-INS004-001701,2007-10-02,4,34,38,1973,male,former_smoker,31.5,61,166,IN,USA,single,some_college,white_collar,20000.0,0.466,full_paramedical,130,88,234,59,3.97,95,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,22,UW-215,2.25,indexed_ul,1000000,annual,6671.03,,15yr_declining,4536.5,,,True,none,direct_to_consumer,False,False,False,0.002951,0.011363,SOA_2015_VBT,SOA_Scale_MP2023,2.26,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003689,0.018,False,,1.0,False,,,,0.08,0.0669,False,normal_rate,6.26,0.76,True,False,False,False,False,0.824,57.3,58.9,super_preferred_longevity,100.0,baseline,1.151,0.375,True,65.1,False,,995463.5,51606.4,47757.97,53368.24,12674.96,False,0,-2.98,-15.84
LI-2024-INS004-001702,2003-11-05,8,45,53,1958,male,former_smoker,25.7,73,195,NM,USA,married,bachelors,professional,20000.0,0.686,simplified_issue,150,92,177,34,5.21,66,5.4,False,,1.84,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-421,1.5,term_life,1000000,annual,6728.68,15.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.008139,0.017513,SOA_2015_VBT,SOA_Scale_MP2023,1.676,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00407,0.012,False,,1.0,False,,,,0.05,0.0806,False,normal_rate,3.63,1.92,False,False,False,False,False,0.791,44.4,36.4,preferred_longevity,77.4,baseline,0.985,0.629,False,,False,,1000000.0,56453.47,52521.06,53829.44,12784.49,False,0,0.23,5.27
LI-2024-INS004-001703,2020-06-09,5,36,41,1984,male,former_smoker,31.8,74,247,MD,USA,single,high_school,hazardous,20000.0,0.501,simplified_issue,129,69,254,48,5.29,106,5.4,False,,1.41,True,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,True,True,substandard_table_5,4.83,5.0,True,False,False,False,33,UW-450,2.25,whole_life,1000000,annual,8764.85,,none,6392.94,,,True,coinsurance,captive_agent,False,False,False,0.00359,0.016486,SOA_2015_VBT,SOA_Scale_MP2023,2.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004487,0.02,True,0.00215,1.0,True,2025-10-22,replacement,5.0,0.04,0.052,False,normal_rate,1.64,1.23,False,False,False,False,False,0.84,57.2,52.2,super_preferred_longevity,98.3,baseline,1.124,0.647,False,,False,,993607.06,71939.38,65337.36,70118.8,16653.22,False,0,-0.85,-16.04
LI-2024-INS004-001704,2017-07-02,2,64,66,1953,male,former_smoker,25.2,60,129,SC,USA,single,bachelors,professional,47920.04,0.739,accelerated_UW,148,92,274,61,4.49,96,5.8,False,90.5,5.59,False,True,False,False,True,other,0.9,none,none,schizophrenia,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,33,UW-485,2.5,term_life,500000,annual,7752.32,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.023005,0.089181,SOA_2015_VBT,SOA_Scale_MP2023,2.513,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034507,0.012,False,,1.0,False,,,,0.07,0.1087,False,normal_rate,6.28,2.76,False,False,False,False,False,0.864,24.9,22.9,standard_longevity,57.9,baseline,0.946,0.671,False,,False,,500000.0,62985.45,55513.21,62018.56,14729.41,False,0,3.4,-10.58
LI-2024-INS004-001705,2014-12-13,4,57,61,1957,male,former_smoker,24.6,70,171,AZ,USA,married,some_college,light_blue_collar,20000.0,0.6811,full_paramedical,117,83,188,67,2.81,87,4.7,False,85.6,2.47,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,55,UW-009,2.25,whole_life,500000,quarterly,5373.13,,none,3553.09,,,False,none,direct_to_consumer,False,True,False,0.015691,0.054739,SOA_2015_VBT,SOA_Scale_MP2023,2.263,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019614,0.012,False,,1.0,False,,,,0.04,0.0647,False,normal_rate,3.25,1.83,False,False,False,False,False,0.761,32.2,28.2,preferred_longevity,65.0,baseline,0.989,0.733,False,,False,,496446.91,44352.32,39370.23,42985.04,10208.95,False,0,0.89,-11.47
LI-2024-INS004-001706,2024-03-14,2,67,69,1957,male,never_smoker,36.7,75,293,AZ,USA,divorced,graduate,white_collar,31440.94,0.4283,accelerated_UW,160,88,240,38,6.32,104,5.7,False,89.8,5.04,True,True,False,False,False,none,,pre_diabetes,none,none,7,False,True,True,False,True,substandard_table_2,,2.0,False,False,False,True,58,UW-200,1.5,annuity_immediate,100000,monthly,926.26,,none,,,,False,none,employer_group,False,False,False,0.024111,0.056108,SOA_2015_VBT,SOA_Scale_MP2023,1.55,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012055,0.012,False,,1.0,False,,,,0.005,0.0081,False,normal_rate,4.69,2.08,False,False,False,False,False,0.923,21.2,19.2,standard_longevity,47.7,baseline,1.179,0.435,False,,False,,100000.0,7308.99,6263.94,7113.68,1819.17,False,0,0.87,-8.43
LI-2024-INS004-001707,2009-01-14,11,36,47,1973,male,never_smoker,19.1,71,137,MD,USA,married,graduate,professional,98879.66,0.6987,full_paramedical,131,76,210,71,2.96,75,5.7,False,87.1,2.06,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,41,UW-488,2.0,universal_life,250000,monthly,1747.46,,15yr_declining,1701.49,,,False,none,independent_broker,False,False,False,0.004251,0.01276,SOA_2015_VBT,SOA_Scale_MP2023,2.051,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004251,0.018,False,,1.0,False,,,,0.04,0.0205,False,normal_rate,3.42,1.28,False,False,False,False,False,0.998,56.2,45.2,super_preferred_longevity,90.8,baseline,0.976,0.743,False,,False,,248298.51,12607.96,12945.03,13979.68,3320.17,False,0,-0.56,-6.2
LI-2024-INS004-001708,2006-06-27,13,67,80,1939,female,never_smoker,24.0,59,118,AK,USA,married,high_school,hazardous,124845.85,0.6946,limited_exam,139,84,226,44,5.14,86,4.1,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,3.52,1.0,True,False,False,False,28,UW-422,1.25,annuity_deferred,1000000,quarterly,9267.52,,none,9544.05,,,True,none,direct_to_consumer,False,False,False,0.048678,0.076032,SOA_2015_VBT,SOA_Scale_MP2023,1.34,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01217,0.005,False,,1.0,False,,,,0.01,0.016,False,normal_rate,2.62,1.9,False,False,False,False,False,0.95,23.0,10.0,standard_longevity,37.9,baseline,0.979,0.595,False,,False,,990455.95,39059.88,34374.28,37070.08,25022.3,False,0,1.15,12.81
LI-2024-INS004-001709,2007-05-27,16,35,51,1972,male,never_smoker,31.2,67,198,WY,USA,married,bachelors,professional,68729.12,0.577,simplified_issue,131,78,173,57,3.04,99,4.6,False,90.9,1.83,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-039,1.25,term_life,1000000,quarterly,5475.31,15.0,none,,,,True,facultative,bank,True,False,False,0.005801,0.010539,SOA_2015_VBT,SOA_Scale_MP2023,1.468,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00145,0.018,False,,1.0,False,,,,0.03,0.0372,False,normal_rate,5.62,1.66,False,False,False,False,False,0.833,56.5,40.1,super_preferred_longevity,81.3,baseline,1.067,0.591,True,29.8,False,,1000000.0,42670.89,39521.68,43802.48,10403.09,False,0,2.7,11.46
LI-2024-INS004-001710,2023-01-25,4,54,58,1969,male,former_smoker,36.1,63,203,DE,USA,married,graduate,professional,64638.88,0.6506,simplified_issue,144,89,241,46,5.24,73,6.5,False,82.4,1.67,False,False,False,False,False,none,,type_2,none,none,2,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,46,UW-164,1.5,indexed_ul,500000,monthly,3395.41,,15yr_declining,2401.47,,,False,none,captive_agent,False,False,False,0.013399,0.029386,SOA_2015_VBT,SOA_Scale_MP2023,1.673,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.015,False,,1.0,False,,,,0.08,0.0425,False,normal_rate,3.98,0.89,False,False,False,False,False,0.934,37.2,33.2,preferred_longevity,72.1,baseline,1.012,0.669,False,,False,,497598.53,29029.67,27364.51,27163.28,6451.28,False,0,4.36,3.35
LI-2024-INS004-001711,2008-09-25,10,40,50,1968,female,never_smoker,25.2,66,156,MD,USA,widowed,bachelors,light_blue_collar,30953.36,0.3486,limited_exam,145,97,128,58,2.21,89,5.0,False,76.8,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-198,2.0,term_life,250000,annual,1907.97,20.0,none,,,,False,none,captive_agent,False,False,False,0.004288,0.015896,SOA_2015_VBT,SOA_Scale_MP2023,2.186,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004288,0.015,False,,1.0,False,,,,0.05,0.0711,False,normal_rate,4.66,2.19,False,False,False,False,False,0.953,53.8,43.8,super_preferred_longevity,83.4,baseline,1.239,0.252,False,,False,,250000.0,14717.16,15239.75,15263.76,3625.14,False,0,-0.53,-0.54
LI-2024-INS004-001712,2024-05-04,3,51,54,1973,female,never_smoker,16.7,72,123,VA,USA,married,bachelors,professional,35367.28,0.6404,simplified_issue,114,63,197,69,2.86,82,4.9,False,84.8,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-418,2.25,term_life,500000,semi_annual,4783.28,30.0,none,,,,False,none,captive_agent,False,False,False,0.005914,0.021177,SOA_2015_VBT,SOA_Scale_MP2023,2.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007392,0.018,False,,1.0,False,,,,0.07,0.0831,False,normal_rate,5.26,2.09,False,False,False,False,False,0.808,45.0,42.0,super_preferred_longevity,85.1,baseline,1.02,0.719,False,,False,,500000.0,37825.66,36887.5,38266.24,9088.23,False,0,3.52,-12.53
LI-2024-INS004-001713,2012-01-27,9,69,78,1943,female,never_smoker,32.8,66,202,SC,USA,single,bachelors,light_blue_collar,56987.82,0.7982,full_paramedical,138,82,243,35,6.94,85,5.2,False,63.5,,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,5,UW-073,1.5,group_life,2000000,monthly,21328.59,,none,,,,True,facultative,employer_group,False,False,False,0.039061,0.073539,SOA_2015_VBT,SOA_Scale_MP2023,1.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01953,0.008,False,,1.0,True,2025-06-12,non_payment,9.0,0.12,0.1528,False,normal_rate,4.31,1.17,False,False,False,False,False,0.779,22.3,15.8,standard_longevity,48.2,baseline,0.901,0.703,True,86.6,False,,2000000.0,127125.51,130411.23,134796.69,47690.73,False,0,2.31,10.92
LI-2024-INS004-001714,2009-11-12,5,34,39,1975,male,never_smoker,35.2,75,281,WV,USA,married,some_college,professional,31765.8,0.7702,full_paramedical,137,91,280,60,4.67,124,4.0,False,,,False,False,False,False,False,none,,none,none,anxiety,10,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,25,UW-038,1.25,annuity_deferred,500000,quarterly,1992.23,,none,1385.65,,,False,none,captive_agent,False,False,False,0.002419,0.003832,SOA_2015_VBT,SOA_Scale_MP2023,1.446,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000605,0.018,False,,1.0,True,2026-02-10,non_payment,5.0,0.04,0.1631,False,normal_rate,6.24,1.57,False,False,False,True,False,0.855,58.8,60.1,super_preferred_longevity,100.0,baseline,0.922,0.832,True,68.2,False,,498614.35,14552.66,14522.86,15937.84,3785.24,False,0,3.1,12.37
LI-2024-INS004-001715,2015-07-27,8,49,57,1966,female,never_smoker,25.7,65,154,OH,USA,married,bachelors,white_collar,189432.61,0.1795,limited_exam,124,76,189,53,3.57,87,5.0,False,63.5,,False,False,False,False,False,none,,none,none,depression,7,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,20,UW-146,1.25,whole_life,250000,annual,1679.44,,none,1398.65,,,False,none,independent_broker,False,False,False,0.007582,0.01527,SOA_2015_VBT,SOA_Scale_MP2023,1.292,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001895,0.015,False,,1.0,True,2025-08-31,voluntary_surrender,8.0,0.02,0.0311,False,normal_rate,4.27,1.98,False,False,False,False,False,0.961,43.8,35.8,preferred_longevity,68.9,baseline,1.365,0.092,False,,False,,248601.35,12684.29,12205.24,13435.52,3190.94,False,0,3.02,12.86
LI-2024-INS004-001716,2022-07-14,1,40,41,1982,male,never_smoker,27.4,67,175,VT,USA,married,high_school,white_collar,87146.23,0.7115,full_paramedical,122,78,168,54,3.11,107,5.0,False,113.2,0.9,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-449,2.0,term_life,500000,semi_annual,3507.53,20.0,none,,,,False,none,bank,False,False,False,0.002761,0.0088,SOA_2015_VBT,SOA_Scale_MP2023,2.189,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,True,0.0002,1.0,False,,,,0.1,0.1131,False,normal_rate,3.67,2.63,False,False,False,False,False,0.904,53.7,55.2,super_preferred_longevity,100.0,baseline,0.966,0.56,True,48.4,False,,500000.0,27772.22,29175.49,28060.24,6664.31,False,0,-0.7,-13.55
LI-2024-INS004-001717,2013-02-21,11,42,53,1971,female,never_smoker,28.3,66,175,TX,USA,married,bachelors,light_blue_collar,36984.44,0.2414,full_paramedical,118,66,192,56,3.43,79,5.3,False,72.0,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,11,UW-338,0.55,term_life,100000,monthly,226.83,15.0,none,,,,False,none,employer_group,False,False,False,0.005451,0.004896,SOA_2015_VBT,SOA_Scale_MP2023,0.681,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0542,False,normal_rate,2.56,2.48,False,False,False,False,False,0.885,52.1,41.1,preferred_longevity,77.8,baseline,1.319,0.42,False,,False,,100000.0,1799.74,1805.92,1814.64,430.98,False,0,2.94,28.04
LI-2024-INS004-001718,2001-02-09,1,41,42,1960,female,former_smoker,29.9,63,168,AL,USA,married,bachelors,white_collar,31227.46,0.6896,full_paramedical,131,76,253,56,4.52,80,,False,80.4,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-305,2.0,universal_life,1000000,quarterly,7731.21,,15yr_declining,4756.98,,,True,quota_share,captive_agent,True,False,False,0.002851,0.008467,SOA_2015_VBT,SOA_Scale_MP2023,2.004,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002851,0.015,False,,1.0,False,,,,0.12,0.062,False,normal_rate,3.72,2.39,False,False,False,False,False,0.918,53.0,55.0,super_preferred_longevity,100.0,baseline,0.983,0.629,True,87.9,True,-0.075,995243.02,59749.36,62229.26,61849.68,14689.3,False,0,-0.89,-8.58
LI-2024-INS004-001719,2020-10-10,3,69,72,1951,female,never_smoker,43.6,68,286,CO,USA,widowed,bachelors,professional,186608.16,0.6717,accelerated_UW,154,92,242,20,12.1,106,5.2,False,89.7,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,9,UW-356,2.0,universal_life,2000000,monthly,25711.92,,10yr_declining,17157.94,,,True,none,employer_group,False,False,False,0.023314,0.078065,SOA_2015_VBT,SOA_Scale_MP2023,2.184,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023314,0.012,True,0.00403,1.0,False,,,,0.08,0.0502,False,normal_rate,1.52,0.81,False,False,False,False,False,0.832,23.3,20.2,standard_longevity,52.9,baseline,0.996,0.634,True,31.9,False,,1982842.06,191157.82,209649.7,205695.36,48852.65,False,0,-0.02,-5.21
LI-2024-INS004-001720,2014-09-03,9,45,54,1969,female,never_smoker,29.6,63,166,AZ,USA,married,high_school,white_collar,39393.41,0.8216,accelerated_UW,129,83,217,43,5.05,100,5.1,False,90.0,,False,False,False,False,False,none,,none,none,none,1,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,True,49,UW-033,1.5,whole_life,1000000,annual,5878.64,,none,5062.17,,,True,quota_share,independent_broker,False,False,False,0.005914,0.011246,SOA_2015_VBT,SOA_Scale_MP2023,1.586,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.015,False,,1.0,False,,,,0.02,0.0209,False,normal_rate,4.88,1.57,False,False,False,False,False,0.986,50.8,41.8,super_preferred_longevity,87.5,baseline,0.884,0.923,True,33.7,False,,994937.83,50264.27,46232.62,47029.12,11169.42,False,0,1.38,8.11
LI-2024-INS004-001721,2015-06-27,8,66,74,1949,female,never_smoker,36.8,59,182,OK,USA,married,some_college,hazardous,56665.23,0.4031,full_paramedical,158,92,260,43,6.05,91,5.4,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,4.38,2.0,True,False,False,False,14,UW-229,1.5,term_life,2000000,quarterly,16174.7,20.0,none,,,,True,none,captive_agent,False,False,False,0.028914,0.067649,SOA_2015_VBT,SOA_Scale_MP2023,1.536,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014457,0.008,False,,1.0,False,,,,0.05,0.0689,False,normal_rate,2.21,2.09,False,False,False,False,False,0.995,24.6,15.9,standard_longevity,42.4,baseline,1.198,0.237,True,30.2,True,-0.363,2000000.0,109896.08,105514.85,102871.09,36037.23,False,0,2.42,1.48
LI-2024-INS004-001722,2014-10-23,6,51,57,1963,male,current_smoker,15.0,68,98,ME,USA,single,some_college,white_collar,195979.11,0.8403,non_med_guaranteed,122,76,198,43,4.6,79,,True,87.5,3.26,True,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,declined,,,False,False,True,False,17,UW-375,7.0,universal_life,250000,monthly,8787.19,,15yr_declining,6896.7,,,True,none,captive_agent,False,False,False,0.01839,0.233897,SOA_2015_VBT,SOA_Scale_MP2023,7.725,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.110337,0.015,False,,1.0,False,,,,0.06,0.0277,False,normal_rate,2.09,2.05,False,False,False,False,False,0.924,40.0,34.0,preferred_longevity,76.1,baseline,0.87,0.89,False,,False,,243103.3,76610.21,66909.9,70297.52,16695.66,False,0,-5.0,-20.0
LI-2024-INS004-001723,2000-12-18,1,57,58,1943,male,never_smoker,23.5,75,188,OR,USA,married,some_college,light_blue_collar,151505.62,0.7544,simplified_issue,128,86,242,52,4.65,118,,False,100.0,0.84,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,58,UW-451,2.0,term_life,250000,semi_annual,2576.67,15.0,none,,,,True,quota_share,captive_agent,True,False,False,0.008637,0.026752,SOA_2015_VBT,SOA_Scale_MP2023,2.245,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008637,0.008,False,,1.0,False,,,,0.1,0.1096,False,normal_rate,2.26,1.99,False,False,False,False,False,0.972,30.1,28.5,preferred_longevity,66.6,baseline,0.934,0.632,True,26.6,False,,250000.0,19417.5,21318.55,20613.36,4895.67,False,0,-1.08,-8.06
LI-2024-INS004-001724,2017-10-20,7,33,40,1984,female,never_smoker,32.5,63,183,MO,USA,married,some_college,professional,69093.28,0.6111,simplified_issue,124,67,165,31,5.32,85,5.9,False,72.0,,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,19,UW-267,1.0,group_life,1000000,monthly,3078.33,,none,,,,True,none,independent_broker,False,False,False,0.002066,0.002178,SOA_2015_VBT,SOA_Scale_MP2023,1.012,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.12,0.1453,False,normal_rate,5.27,2.36,False,False,False,False,False,0.935,67.6,55.0,super_preferred_longevity,100.0,baseline,1.042,0.724,False,,False,,1000000.0,23345.01,21625.67,24626.64,5848.83,False,0,4.19,16.7
LI-2024-INS004-001725,2005-07-02,10,36,46,1969,female,former_smoker,28.4,67,181,UT,USA,single,bachelors,professional,57321.45,0.5894,accelerated_UW,137,86,162,35,4.63,110,5.5,False,,,False,True,False,False,True,lung,6.2,none,none,none,3,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,True,30,UW-298,4.0,annuity_deferred,500000,monthly,7721.57,,none,7293.07,,,False,none,direct_to_consumer,False,False,False,0.004101,0.034421,SOA_2015_VBT,SOA_Scale_MP2023,5.098,accident,True,2009-07-12,False,False,475250.5,0.0007,5e-05,1.095,0.012303,0.015,False,,1.0,False,,,,0.02,0.0344,False,normal_rate,5.25,1.11,False,False,False,True,False,0.903,58.9,48.9,super_preferred_longevity,94.7,baseline,1.058,0.75,False,,False,,492706.93,57558.8,52994.58,61772.56,14670.98,False,0,-2.86,-20.0
LI-2024-INS004-001726,2017-01-12,4,76,80,1941,female,never_smoker,25.8,68,169,OH,USA,married,graduate,heavy_blue_collar,59047.09,0.5427,full_paramedical,119,78,210,32,6.56,93,5.1,False,64.8,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,1.44,4.0,False,False,False,False,5,UW-152,2.0,universal_life,500000,monthly,7051.08,,10yr_declining,5025.4,,,False,none,direct_to_consumer,False,False,False,0.045732,0.156545,SOA_2015_VBT,SOA_Scale_MP2023,2.217,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.045732,0.008,False,,1.0,False,,,,0.08,0.0638,False,normal_rate,4.32,2.76,False,False,False,False,False,0.986,14.0,10.3,standard_longevity,36.1,baseline,1.093,0.579,True,43.9,False,,494974.6,27720.69,27677.98,29050.45,18868.69,False,0,0.75,-6.38
LI-2024-INS004-001727,2015-03-04,9,49,58,1966,female,never_smoker,27.8,62,152,WV,USA,married,bachelors,white_collar,48168.54,0.703,full_paramedical,162,104,245,56,4.38,115,,False,87.9,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-278,2.0,term_life,500000,monthly,5218.37,20.0,none,,,,False,none,bank,False,False,False,0.008245,0.024568,SOA_2015_VBT,SOA_Scale_MP2023,2.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008245,0.015,False,,1.0,False,,,,0.05,0.0569,False,normal_rate,4.84,2.17,False,False,False,False,False,0.847,45.9,36.9,preferred_longevity,78.4,baseline,0.973,0.658,False,,False,,500000.0,40164.1,38353.71,41746.96,9914.9,False,0,2.39,2.32
LI-2024-INS004-001728,2024-04-15,1,36,37,1988,female,never_smoker,40.1,59,198,ID,USA,widowed,high_school,heavy_blue_collar,76308.97,0.6829,full_paramedical,147,90,172,42,4.1,111,5.0,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,1.03,,False,True,False,False,23,UW-137,1.0,annuity_immediate,500000,monthly,1571.51,,none,,,,False,none,bank,True,False,False,0.001707,0.001789,SOA_2015_VBT,SOA_Scale_MP2023,1.061,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.01,0.0115,False,normal_rate,3.45,0.82,False,False,False,False,False,0.834,65.5,56.5,super_preferred_longevity,100.0,baseline,0.988,0.742,True,42.0,False,,500000.0,11568.24,12085.53,12572.08,2985.87,False,0,7.82,14.17
LI-2024-INS004-001729,2020-06-05,7,73,80,1947,male,never_smoker,21.7,63,122,HI,USA,married,bachelors,light_blue_collar,70663.32,0.5402,full_paramedical,126,77,212,58,3.66,96,,False,,9.37,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-400,1.25,term_life,100000,monthly,914.47,20.0,none,,,,False,none,employer_group,False,False,False,0.059987,0.102232,SOA_2015_VBT,SOA_Scale_MP2023,1.266,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014997,0.008,True,0.00409,1.0,False,,,,0.05,0.0761,False,normal_rate,4.82,1.02,False,False,False,False,False,0.962,13.9,7.3,sub_standard_longevity,31.6,baseline,1.095,0.381,True,52.3,False,,100000.0,2706.6,2335.05,2670.25,2666.59,False,0,4.34,13.37
LI-2024-INS004-001730,2015-02-17,8,80,88,1935,male,never_smoker,23.3,73,176,CA,USA,single,high_school,light_blue_collar,60963.84,0.759,full_paramedical,169,111,240,53,4.53,120,4.9,False,,15.24,False,True,False,True,False,none,,none,none,substance_use_disorder,10,False,False,False,True,True,standard,,,False,True,False,False,59,UW-371,1.0,whole_life,500000,annual,4161.84,,none,3689.01,,,True,excess_of_loss,bank,False,False,False,0.118163,0.119549,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.02,0.0219,False,normal_rate,3.16,0.69,False,False,False,False,False,0.778,5.7,1.0,sub_standard_longevity,25.4,baseline,0.931,0.815,False,,False,,496310.99,1770.16,1613.33,1664.74,14233.49,False,0,1.55,21.1
LI-2024-INS004-001731,2024-10-10,2,20,22,2004,female,never_smoker,28.8,69,194,WA,USA,single,bachelors,white_collar,88461.45,0.8826,accelerated_UW,106,74,231,39,5.92,72,5.7,False,97.0,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,66,UW-208,2.25,group_life,250000,semi_annual,1175.29,,none,,,,False,none,captive_agent,False,False,False,0.000854,0.002793,SOA_2015_VBT,SOA_Scale_MP2023,2.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001068,0.012,False,,1.0,False,,,,0.15,0.1491,False,normal_rate,3.93,2.93,False,False,False,True,False,0.966,70.0,55.0,super_preferred_longevity,100.0,baseline,0.838,0.81,False,,False,,250000.0,10125.17,9829.06,9402.32,2233.05,False,0,1.66,-9.78
LI-2024-INS004-001732,2015-03-16,5,38,43,1977,female,never_smoker,28.8,59,142,AL,USA,divorced,high_school,white_collar,20000.0,0.5399,limited_exam,112,73,146,57,2.56,103,5.1,False,70.7,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,preferred_plus,,,False,False,False,False,18,UW-284,0.7,group_life,250000,monthly,611.88,,none,,,,True,excess_of_loss,employer_group,False,False,False,0.002537,0.001667,SOA_2015_VBT,SOA_Scale_MP2023,0.6,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.15,0.2283,False,normal_rate,2.54,1.42,False,False,False,False,False,0.987,58.1,53.1,super_preferred_longevity,100.0,baseline,1.095,0.603,False,,False,,250000.0,5228.14,5090.94,4895.04,1162.57,False,0,5.35,22.72
LI-2024-INS004-001733,2010-10-27,14,69,83,1941,male,unknown,28.8,76,236,DE,USA,married,graduate,white_collar,90995.82,0.6128,full_paramedical,141,83,250,43,5.81,87,5.2,False,81.6,9.92,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,23,UW-182,1.25,whole_life,250000,monthly,2151.82,,none,2399.68,,,False,none,captive_agent,False,False,False,0.085171,0.151374,SOA_2015_VBT,SOA_Scale_MP2023,1.468,cardiovascular,True,2023-12-10,False,False,1099007.35,0.0007,5e-05,1.095,0.021293,0.008,False,,1.0,False,,,,0.015,0.0181,False,normal_rate,5.59,2.43,False,False,False,False,False,0.942,17.2,3.2,sub_standard_longevity,26.5,baseline,1.04,0.568,False,,False,,247600.32,2878.69,2401.34,2754.33,6980.5,False,0,7.32,14.99
LI-2024-INS004-001734,2001-10-15,22,56,78,1945,female,unknown,24.5,67,156,MT,USA,divorced,some_college,professional,124379.81,0.4312,full_paramedical,129,85,170,59,2.88,91,,False,71.0,,True,False,False,True,False,none,,none,none,anxiety,3,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-395,2.5,term_life,500000,monthly,8613.74,20.0,none,,,,False,none,bank,False,False,False,0.045647,0.205106,SOA_2015_VBT,SOA_Scale_MP2023,2.544,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.068471,0.008,False,,1.0,False,,,,0.03,0.0407,False,normal_rate,4.21,2.97,False,False,False,False,False,0.753,34.1,12.1,standard_longevity,37.1,baseline,1.177,0.398,False,,False,,500000.0,40324.39,35763.92,41690.5,21809.99,False,0,1.7,-13.1
LI-2024-INS004-001735,2008-09-22,3,56,59,1952,male,former_smoker,23.4,69,158,NE,USA,married,graduate,professional,29656.09,0.9038,full_paramedical,134,78,180,56,3.21,85,5.0,False,,4.33,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,29,UW-096,0.77,term_life,2000000,semi_annual,7780.83,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.012461,0.007735,SOA_2015_VBT,SOA_Scale_MP2023,0.755,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0684,False,normal_rate,3.28,2.24,False,False,False,False,False,0.873,33.4,30.4,preferred_longevity,71.7,baseline,0.822,1.0,False,,False,,2000000.0,60051.2,54227.4,62246.64,14783.58,False,0,6.1,23.85
LI-2024-INS004-001736,2012-06-04,6,71,77,1941,female,never_smoker,21.7,70,151,KS,USA,married,bachelors,white_collar,20420.98,0.6892,full_paramedical,108,80,183,38,4.82,107,,False,62.8,,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,preferred_plus,,,False,False,False,False,41,UW-279,0.6,term_life,500000,monthly,1968.35,30.0,none,,,,False,none,independent_broker,False,False,False,0.035232,0.020262,SOA_2015_VBT,SOA_Scale_MP2023,0.585,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0574,False,normal_rate,3.67,1.54,False,False,False,False,False,0.755,19.5,13.5,standard_longevity,43.1,baseline,0.983,0.682,False,,False,,500000.0,9965.48,9940.54,10629.09,4763.41,False,0,5.49,24.1
LI-2024-INS004-001737,2023-08-10,2,63,65,1960,female,never_smoker,23.0,67,146,OH,USA,married,bachelors,light_blue_collar,94441.86,0.3526,accelerated_UW,128,82,196,48,4.08,82,4.9,False,,,False,True,False,False,False,none,,none,none,substance_use_disorder,6,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,27,UW-344,2.25,annuity_deferred,5000000,quarterly,65491.86,,none,45994.27,,,True,none,captive_agent,False,False,False,0.013913,0.059248,SOA_2015_VBT,SOA_Scale_MP2023,2.435,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017391,0.015,False,,1.0,False,,,,0.04,0.0567,False,normal_rate,3.65,2.9,False,False,False,False,False,0.897,29.6,27.6,standard_longevity,59.2,baseline,1.236,0.348,False,,False,,4954005.73,531056.47,491485.67,523934.88,124434.53,False,0,1.68,-11.82
LI-2024-INS004-001738,2023-02-17,1,33,34,1990,female,never_smoker,27.7,66,171,MS,USA,divorced,some_college,white_collar,190804.25,0.028,limited_exam,132,88,217,34,6.38,111,5.6,False,86.1,,True,False,False,False,False,none,,none,none,depression,9,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-287,1.5,universal_life,100000,annual,408.55,,10yr_declining,263.16,,,False,none,independent_broker,False,False,False,0.001434,0.004392,SOA_2015_VBT,SOA_Scale_MP2023,1.733,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000717,0.022,False,,1.0,False,,,,0.12,0.1268,False,normal_rate,4.03,2.54,False,False,False,False,False,0.946,63.4,55.0,super_preferred_longevity,95.4,baseline,1.479,0.0,False,,False,,99736.84,2967.67,2976.42,3268.4,776.24,False,0,0.79,0.56
LI-2024-INS004-001739,2021-09-20,2,21,23,2000,female,current_smoker,24.8,65,149,VA,USA,divorced,graduate,light_blue_collar,100720.11,0.4635,simplified_issue,117,73,149,42,3.55,107,,True,,,False,False,False,False,False,none,,none,none,none,13,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-200,1.5,whole_life,500000,annual,1561.27,,none,952.06,,,True,quota_share,employer_group,False,False,False,0.001764,0.006816,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000882,0.012,True,0.00253,1.0,False,,,,0.04,0.0638,False,normal_rate,3.26,1.9,False,False,False,False,False,0.787,70.0,55.0,super_preferred_longevity,100.0,baseline,1.152,0.491,False,,False,,499047.94,13115.1,13090.74,12490.16,2966.41,False,0,0.78,3.99
LI-2024-INS004-001740,2020-03-14,1,35,36,1985,male,never_smoker,33.1,70,230,FL,USA,single,high_school,white_collar,73557.94,0.3839,simplified_issue,140,87,203,45,4.51,111,5.2,False,,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-160,1.25,group_life,100000,annual,371.99,,none,,,,False,none,captive_agent,False,False,False,0.00201,0.010898,SOA_2015_VBT,SOA_Scale_MP2023,1.459,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000502,0.02,True,0.00684,1.0,False,,,,0.18,0.2507,False,normal_rate,4.78,1.43,False,False,False,False,False,0.871,60.9,53.0,super_preferred_longevity,100.0,baseline,1.212,0.594,True,20.7,False,,100000.0,2984.39,2918.52,2975.92,706.78,False,0,0.79,12.46
LI-2024-INS004-001741,2004-02-11,17,48,65,1956,male,never_smoker,28.8,69,194,OK,USA,single,bachelors,white_collar,103716.52,0.8014,accelerated_UW,131,79,213,62,3.44,94,5.5,False,71.8,2.41,False,False,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,38,UW-309,2.5,annuity_deferred,2000000,monthly,23655.13,,none,29046.64,,,True,quota_share,independent_broker,False,False,False,0.016825,0.06491,SOA_2015_VBT,SOA_Scale_MP2023,2.623,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025238,0.012,False,,1.0,False,,,,0.01,0.0106,False,normal_rate,3.96,2.58,False,False,False,False,False,0.806,41.6,27.0,preferred_longevity,65.0,baseline,0.899,0.706,True,63.5,False,,1970953.36,197847.3,180165.75,189241.04,44944.75,False,0,-1.57,-18.34
LI-2024-INS004-001742,2007-10-03,11,24,35,1983,female,never_smoker,24.6,71,176,DE,USA,single,high_school,light_blue_collar,64368.72,0.7216,non_med_guaranteed,112,62,140,50,2.8,70,,False,101.0,,False,False,True,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-157,2.25,group_life,500000,semi_annual,2844.57,,none,,,,False,none,bank,True,False,False,0.001517,0.005176,SOA_2015_VBT,SOA_Scale_MP2023,2.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.02,False,,1.0,False,,,,0.1,0.1123,False,normal_rate,2.46,1.76,False,False,False,False,False,0.907,70.0,55.0,super_preferred_longevity,100.0,baseline,0.959,0.723,False,,False,,500000.0,21924.53,22234.44,22756.56,5404.68,False,0,4.91,-7.21
LI-2024-INS004-001743,2009-03-09,3,64,67,1945,male,never_smoker,25.2,62,138,AL,USA,married,high_school,professional,21129.19,0.8752,full_paramedical,148,98,217,52,4.17,76,,False,,3.88,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-140,1.5,universal_life,100000,quarterly,920.29,,10yr_declining,670.36,,,False,none,direct_to_consumer,False,False,False,0.019,0.034295,SOA_2015_VBT,SOA_Scale_MP2023,1.547,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0095,0.008,False,,1.0,False,,,,0.08,0.0504,False,normal_rate,2.21,2.59,False,False,False,False,False,0.906,23.9,20.9,standard_longevity,57.0,baseline,0.844,0.862,False,,False,,99329.64,6864.64,6268.78,7362.32,1748.55,False,0,1.19,1.48
LI-2024-INS004-001744,2023-09-27,3,31,34,1992,male,never_smoker,35.4,74,275,IN,USA,married,high_school,heavy_blue_collar,72792.4,0.7264,full_paramedical,123,75,243,32,7.59,115,4.5,False,93.2,,False,False,False,False,False,none,,none,none,none,12,False,False,False,True,True,substandard_table_2,1.17,2.0,False,False,False,False,26,UW-486,1.5,term_life,1000000,monthly,4509.05,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001792,0.003704,SOA_2015_VBT,SOA_Scale_MP2023,1.64,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000896,0.022,False,,1.0,False,,,,0.07,0.0783,False,normal_rate,3.37,1.18,False,False,False,False,False,0.925,64.5,55.0,super_preferred_longevity,100.0,baseline,0.955,0.706,False,,False,,1000000.0,33208.24,31121.16,36072.4,8567.19,False,0,4.45,7.11
LI-2024-INS004-001745,2001-02-08,24,70,94,1931,male,never_smoker,36.7,74,286,IA,USA,divorced,graduate,professional,145282.89,0.5641,full_paramedical,161,94,278,41,6.78,93,5.7,False,57.0,20.0,False,False,False,False,False,none,,pre_diabetes,none,bipolar,2,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,26,UW-327,2.0,universal_life,500000,quarterly,7253.91,,15yr_declining,11585.38,,,False,none,employer_group,False,False,False,0.18926,0.602809,SOA_2015_VBT,SOA_Scale_MP2023,2.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.18926,0.005,False,,1.0,False,,,,0.04,0.0599,False,normal_rate,4.16,2.21,False,False,False,False,False,0.936,14.3,1.0,sub_standard_longevity,22.5,baseline,1.077,0.684,False,,False,,488414.62,2891.49,2497.21,2901.56,24808.37,False,0,0.76,-12.85
LI-2024-INS004-001746,2010-06-04,4,30,34,1980,female,unknown,24.3,72,179,KY,USA,widowed,graduate,white_collar,93068.9,0.3498,limited_exam,112,67,211,49,4.31,100,4.9,False,89.5,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,standard,,,False,False,False,False,27,UW-413,1.05,universal_life,500000,annual,1645.88,,10yr_declining,1098.91,,,True,none,captive_agent,False,False,False,0.001649,0.002195,SOA_2015_VBT,SOA_Scale_MP2023,1.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,8.2e-05,0.02,False,,1.0,False,,,,0.08,0.0511,False,normal_rate,2.56,1.97,False,False,False,False,False,0.876,66.0,52.6,super_preferred_longevity,96.6,baseline,1.238,0.387,True,28.7,True,-1.085,498901.09,13367.11,12994.55,13167.04,3127.17,False,0,5.1,21.51
LI-2024-INS004-001747,2015-08-19,9,71,80,1944,female,never_smoker,35.1,65,210,NE,USA,single,some_college,white_collar,20000.0,0.4667,full_paramedical,147,89,144,52,2.77,123,6.0,False,,,False,False,False,False,True,breast,0.1,none,none,none,5,False,False,False,False,True,standard,,,False,True,False,False,37,UW-243,1.0,whole_life,5000000,quarterly,30553.33,,none,25400.91,,,True,facultative,captive_agent,False,False,False,0.046847,0.057482,SOA_2015_VBT,SOA_Scale_MP2023,1.067,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.02,0.0265,False,normal_rate,4.24,2.27,False,False,False,False,False,0.806,19.1,10.1,sub_standard_longevity,34.7,baseline,1.15,0.353,False,,False,,4974599.09,135039.72,117454.4,123435.45,82249.57,False,0,5.99,11.17
LI-2024-INS004-001748,2006-04-10,5,45,50,1961,male,former_smoker,30.5,64,177,AZ,USA,married,high_school,professional,162583.0,0.2454,full_paramedical,133,77,203,32,6.34,88,5.0,False,103.6,1.94,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-265,1.5,term_life,2000000,semi_annual,13253.62,30.0,none,,,,True,quota_share,employer_group,False,False,False,0.006559,0.016579,SOA_2015_VBT,SOA_Scale_MP2023,1.541,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003279,0.015,False,,1.0,True,2025-10-02,non_payment,5.0,0.07,0.1768,False,normal_rate,3.4,2.87,False,True,True,False,False,0.981,43.3,38.3,preferred_longevity,73.6,baseline,1.316,0.34,False,,False,,2000000.0,108264.72,109725.83,106028.96,25181.88,False,0,4.16,4.97
LI-2024-INS004-001749,2015-11-16,2,52,54,1963,non_binary,never_smoker,24.5,68,160,FL,USA,widowed,some_college,light_blue_collar,26603.02,0.7485,full_paramedical,141,92,185,41,4.51,116,4.6,False,,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-239,2.0,universal_life,500000,annual,4477.55,,10yr_declining,2792.59,,,False,none,captive_agent,False,False,False,0.006455,0.019396,SOA_2015_VBT,SOA_Scale_MP2023,2.136,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006455,0.015,False,,1.0,False,,,,0.08,0.0396,False,normal_rate,4.27,1.9,False,False,False,False,False,0.934,38.6,38.4,super_preferred_longevity,81.3,baseline,0.939,0.768,True,48.7,False,,497207.41,34268.12,33342.43,35820.4,8507.35,False,0,1.58,-9.67
LI-2024-INS004-001750,2004-03-06,11,26,37,1978,male,never_smoker,36.0,67,230,TX,USA,single,graduate,light_blue_collar,71775.18,0.7631,non_med_guaranteed,141,86,208,38,5.47,85,5.7,False,89.0,,False,False,True,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-235,2.25,universal_life,250000,monthly,1828.86,,15yr_declining,1747.32,,,False,none,direct_to_consumer,False,False,False,0.002134,0.007257,SOA_2015_VBT,SOA_Scale_MP2023,2.318,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002668,0.018,False,,1.0,False,,,,0.04,0.0275,False,normal_rate,2.86,2.1,False,False,False,False,False,0.876,70.0,55.5,super_preferred_longevity,100.0,baseline,0.928,0.779,True,36.5,False,,248252.68,13224.67,14752.53,14630.88,3474.83,False,0,0.07,-12.0
LI-2024-INS004-001751,2024-01-18,2,23,25,2001,male,current_smoker,28.7,69,194,IL,USA,single,bachelors,professional,22859.52,0.1045,accelerated_UW,108,72,181,21,8.62,93,,True,94.1,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,31,UW-328,2.25,universal_life,500000,annual,2280.54,,15yr_declining,1377.69,,,False,none,independent_broker,False,False,False,0.002365,0.011027,SOA_2015_VBT,SOA_Scale_MP2023,2.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.012,False,,1.0,False,,,,0.08,0.0815,False,normal_rate,2.89,1.88,False,False,False,False,False,0.78,70.0,55.0,super_preferred_longevity,96.6,baseline,1.422,0.05,False,,False,,498622.31,19615.1,18263.97,18244.32,4333.03,False,0,-0.7,-19.63
LI-2024-INS004-001752,2017-02-05,8,34,42,1983,female,former_smoker,31.6,63,178,NV,USA,single,bachelors,heavy_blue_collar,20000.0,0.7373,full_paramedical,106,54,176,49,3.59,73,,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,0.53,,False,False,False,False,16,UW-308,0.77,term_life,1000000,monthly,2596.74,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.003075,0.00228,SOA_2015_VBT,SOA_Scale_MP2023,0.783,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0555,False,normal_rate,3.01,2.11,False,False,False,False,False,0.993,64.0,55.0,super_preferred_longevity,100.0,baseline,0.947,0.849,False,,False,,1000000.0,21493.77,21557.17,20773.92,4933.81,False,0,3.62,30.44
LI-2024-INS004-001753,2013-05-08,12,60,72,1953,female,never_smoker,29.0,64,168,NJ,USA,married,high_school,professional,31632.92,0.1238,full_paramedical,109,56,275,49,5.61,85,5.5,False,83.3,,False,False,True,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-334,2.25,whole_life,500000,semi_annual,5876.34,,none,5937.36,,,False,none,captive_agent,False,False,False,0.023884,0.10843,SOA_2015_VBT,SOA_Scale_MP2023,2.338,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029855,0.012,False,,1.0,False,,,,0.015,0.024,False,normal_rate,1.9,1.91,False,False,False,False,False,0.919,33.4,22.8,standard_longevity,58.6,baseline,1.407,0.0,False,,True,0.958,494062.64,47571.77,46754.02,47010.72,11165.05,False,0,-0.34,-16.63
LI-2024-INS004-001754,2015-09-15,8,54,62,1961,female,never_smoker,36.0,70,250,KY,USA,divorced,bachelors,white_collar,69367.53,0.7834,full_paramedical,147,94,234,51,4.59,91,4.5,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-248,1.5,term_life,500000,quarterly,4395.28,25.0,none,,,,False,none,bank,False,False,False,0.010906,0.022589,SOA_2015_VBT,SOA_Scale_MP2023,1.722,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005453,0.015,False,,1.0,False,,,,0.05,0.0537,False,normal_rate,3.43,1.98,False,False,False,False,False,0.764,40.5,32.5,preferred_longevity,73.0,baseline,0.912,0.813,False,,False,,500000.0,35620.0,33347.09,35162.24,8351.03,False,0,1.11,10.35
LI-2024-INS004-001755,2016-06-12,2,30,32,1986,male,former_smoker,17.0,71,121,IA,USA,widowed,bachelors,professional,98472.34,0.9414,full_paramedical,95,69,174,55,3.16,60,5.5,False,85.5,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,25,UW-445,0.83,term_life,250000,monthly,621.69,20.0,none,,,,False,none,captive_agent,False,False,False,0.002095,0.001262,SOA_2015_VBT,SOA_Scale_MP2023,0.759,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0663,False,normal_rate,2.45,1.06,False,False,False,False,False,0.778,65.3,65.0,super_preferred_longevity,100.0,baseline,0.794,1.0,True,84.7,False,,250000.0,4689.89,5095.0,4973.52,1181.21,False,0,5.54,24.54
LI-2024-INS004-001756,2015-10-13,6,52,58,1963,male,never_smoker,34.5,61,182,OK,USA,married,bachelors,light_blue_collar,122882.05,0.8962,full_paramedical,127,78,230,42,5.48,95,6.6,False,87.1,2.52,False,False,False,False,False,none,,type_2,none,none,4,True,False,False,True,True,substandard_table_2,2.65,2.0,True,False,False,False,18,UW-369,1.5,term_life,250000,annual,1845.64,15.0,none,,,,False,none,captive_agent,True,False,False,0.01,0.019462,SOA_2015_VBT,SOA_Scale_MP2023,1.747,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005,0.015,False,,1.0,False,,,,0.05,0.0492,False,normal_rate,2.55,0.64,False,False,False,False,False,0.867,39.2,33.2,preferred_longevity,75.7,baseline,0.828,0.888,False,,False,,250000.0,16129.95,15497.18,14765.12,3506.72,False,0,1.06,4.36
LI-2024-INS004-001757,2006-04-07,21,69,90,1937,male,never_smoker,21.5,66,133,PA,USA,married,less_than_hs,heavy_blue_collar,72825.98,0.7068,limited_exam,141,90,222,54,4.11,68,5.3,False,67.2,10.6,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,1.0,1.0,False,False,False,False,16,UW-301,1.25,indexed_ul,500000,monthly,4689.44,,15yr_declining,6860.79,,,False,none,bank,False,False,False,0.140975,0.212311,SOA_2015_VBT,SOA_Scale_MP2023,1.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035244,0.005,False,,1.0,False,,,,0.04,0.0454,False,normal_rate,3.98,1.44,False,False,False,False,False,0.934,16.8,1.0,sub_standard_longevity,24.6,baseline,0.97,0.76,False,,False,,493139.21,1880.94,1751.28,1875.78,16037.88,False,0,4.55,14.27
LI-2024-INS004-001758,2011-09-20,4,57,61,1954,female,former_smoker,26.0,62,142,MT,USA,married,graduate,white_collar,20000.0,0.33,full_paramedical,128,83,196,43,4.56,84,,False,102.5,,False,False,True,False,False,none,,none,none,anxiety,7,False,False,False,False,False,preferred,,,False,False,False,False,16,UW-384,0.81,annuity_deferred,1000000,annual,4083.73,,none,2928.14,,,True,facultative,direct_to_consumer,False,False,False,0.012107,0.01204,SOA_2015_VBT,SOA_Scale_MP2023,0.794,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0804,False,normal_rate,3.32,1.66,False,False,False,False,False,0.886,37.4,33.4,preferred_longevity,77.5,baseline,1.252,0.306,False,,False,,997071.86,35240.49,34251.7,32669.84,7759.09,False,0,2.2,16.41
LI-2024-INS004-001759,2006-05-18,1,35,36,1971,male,former_smoker,22.8,70,158,MD,USA,divorced,some_college,white_collar,108792.51,0.5949,non_med_guaranteed,113,76,201,59,3.41,82,4.7,False,88.1,,False,True,True,False,True,prostate,7.2,none,none,schizophrenia,5,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,45,UW-309,2.25,universal_life,1000000,annual,7686.02,,10yr_declining,4739.23,,,True,quota_share,employer_group,False,False,False,0.002613,0.00969,SOA_2015_VBT,SOA_Scale_MP2023,2.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003266,0.018,False,,1.0,False,,,,0.12,0.0793,False,normal_rate,2.98,1.36,False,False,False,True,False,0.977,59.5,55.0,super_preferred_longevity,100.0,baseline,1.054,0.509,False,,False,,995260.77,65823.31,52331.09,61488.16,14603.44,False,0,0.73,-16.72
LI-2024-INS004-001760,2001-04-23,4,53,57,1948,male,former_smoker,28.3,68,185,ID,USA,married,bachelors,heavy_blue_collar,194571.15,0.5258,simplified_issue,132,80,212,51,4.16,104,,False,95.5,0.68,False,False,False,True,True,colorectal,3.9,none,none,substance_use_disorder,1,False,False,False,False,True,declined,,,False,True,True,False,57,UW-199,7.0,term_life,500000,annual,16973.45,15.0,none,,,,True,quota_share,independent_broker,False,False,False,0.010748,0.140002,SOA_2015_VBT,SOA_Scale_MP2023,6.355,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064486,0.008,False,,1.0,False,,,,0.07,0.0896,False,normal_rate,4.84,0.53,False,False,False,False,False,0.792,33.9,29.9,preferred_longevity,65.2,baseline,1.106,0.761,False,,False,,500000.0,122333.95,118480.72,135787.6,32249.56,False,0,-5.0,-20.0
LI-2024-INS004-001761,2016-10-20,8,67,75,1949,female,never_smoker,26.3,65,158,GA,USA,single,some_college,light_blue_collar,102110.4,0.6754,full_paramedical,127,76,223,44,5.07,90,5.2,False,73.4,,False,True,False,False,True,leukemia,1.4,none,none,anxiety,9,False,True,False,False,True,declined,,,False,False,True,False,49,UW-465,7.0,indexed_ul,1000000,annual,45440.92,,15yr_declining,40066.19,,,True,excess_of_loss,captive_agent,False,False,False,0.031554,0.383145,SOA_2015_VBT,SOA_Scale_MP2023,6.183,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.189324,0.008,False,,1.0,False,,,,0.06,0.0313,False,normal_rate,2.56,2.45,False,False,False,False,False,0.875,24.7,16.7,standard_longevity,47.7,baseline,0.993,0.684,False,,False,,959933.81,315899.94,281879.37,303545.35,98334.15,False,0,-5.0,-20.0
LI-2024-INS004-001762,2020-12-21,5,67,72,1953,female,never_smoker,34.3,64,199,WI,USA,divorced,graduate,white_collar,20000.0,0.5625,limited_exam,152,88,222,47,4.72,112,4.8,False,87.9,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-296,1.5,indexed_ul,2000000,monthly,18640.56,,10yr_declining,14616.49,,,True,none,independent_broker,False,False,False,0.023884,0.050849,SOA_2015_VBT,SOA_Scale_MP2023,1.511,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011942,0.012,True,0.0,1.0,False,,,,0.08,0.045,False,normal_rate,4.28,0.52,False,False,False,False,False,0.907,25.2,22.5,standard_longevity,54.7,baseline,1.078,0.596,True,66.8,False,,1985383.51,163208.5,155946.52,149124.48,35417.06,False,0,1.55,-1.05
LI-2024-INS004-001763,2016-03-03,8,70,78,1946,female,never_smoker,32.5,70,226,ME,USA,married,less_than_hs,white_collar,30406.82,0.4687,full_paramedical,161,104,222,63,3.52,79,5.2,False,65.3,,False,False,False,False,True,breast,1.8,none,none,schizophrenia,8,False,False,False,False,True,standard,,,False,True,False,False,36,UW-488,1.0,universal_life,5000000,monthly,34580.77,,15yr_declining,27572.23,6148.61,0.223,True,quota_share,captive_agent,False,False,False,0.040014,0.050274,SOA_2015_VBT,SOA_Scale_MP2023,1.094,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0215,False,normal_rate,6.4,2.3,False,False,False,False,False,0.98,20.4,14.1,standard_longevity,40.7,baseline,1.148,0.369,True,73.3,False,,4972427.77,181605.38,175551.09,195035.54,82025.59,False,0,1.22,7.09
LI-2024-INS004-001764,2008-07-08,6,30,36,1978,female,never_smoker,31.1,71,222,WV,USA,married,some_college,light_blue_collar,48503.03,0.6434,full_paramedical,119,79,253,36,7.03,117,5.2,True,,,True,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-136,2.25,annuity_immediate,1000000,monthly,5916.0,,none,,,,True,excess_of_loss,bank,False,False,False,0.003216,0.011793,SOA_2015_VBT,SOA_Scale_MP2023,2.376,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00402,0.018,False,,1.0,False,,,,0.003,0.005,False,normal_rate,4.03,2.16,False,False,False,False,False,0.834,66.7,55.0,super_preferred_longevity,100.0,baseline,1.017,0.659,False,,False,,1000000.0,51130.86,42980.01,47328.0,11240.4,False,0,1.81,-19.65
LI-2024-INS004-001765,2011-02-24,12,20,32,1991,female,never_smoker,31.2,65,187,MI,USA,married,graduate,white_collar,20000.0,0.1619,simplified_issue,136,86,235,26,9.04,100,4.0,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,27,UW-082,1.0,term_life,500000,quarterly,1166.15,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.001289,0.001846,SOA_2015_VBT,SOA_Scale_MP2023,1.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.03,0.0565,False,normal_rate,2.84,2.37,False,False,False,False,False,0.784,70.0,55.0,super_preferred_longevity,100.0,baseline,1.379,0.236,False,,False,,500000.0,8860.26,9269.63,9329.2,2215.69,False,0,1.59,14.77
LI-2024-INS004-001766,2003-07-10,11,54,65,1949,female,never_smoker,33.6,70,234,NY,USA,single,some_college,white_collar,33022.59,0.8711,full_paramedical,151,98,259,52,4.98,99,8.6,False,81.3,,False,False,False,False,False,none,,type_2,none,schizophrenia,0,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,54,UW-006,2.25,group_life,2000000,monthly,22546.49,,none,,,,True,facultative,captive_agent,False,False,False,0.013195,0.043765,SOA_2015_VBT,SOA_Scale_MP2023,2.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016494,0.008,False,,1.0,True,2025-07-22,voluntary_surrender,11.0,0.1,0.1003,False,normal_rate,2.77,2.93,False,True,False,False,False,0.933,38.5,27.5,preferred_longevity,66.8,baseline,0.847,0.84,False,,False,,2000000.0,191535.92,185412.7,180371.92,42838.33,False,0,1.23,-4.24
LI-2024-INS004-001767,2012-04-04,3,36,39,1976,male,former_smoker,27.1,64,157,KY,USA,married,graduate,light_blue_collar,60241.27,0.8448,full_paramedical,131,72,215,43,5.0,64,4.8,False,90.8,,True,True,False,False,False,none,,none,none,depression,1,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-354,1.25,term_life,2000000,monthly,7252.61,15.0,none,,,,True,facultative,employer_group,False,False,False,0.003145,0.004462,SOA_2015_VBT,SOA_Scale_MP2023,1.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000786,0.018,False,,1.0,False,,,,0.07,0.086,False,normal_rate,5.17,2.07,False,False,False,False,False,0.783,57.2,54.2,super_preferred_longevity,100.0,baseline,0.866,0.814,False,,False,,2000000.0,63258.99,55211.96,58020.88,13779.96,False,0,3.03,18.07
LI-2024-INS004-001768,2001-05-26,8,30,38,1971,female,never_smoker,34.3,64,200,IA,USA,single,some_college,heavy_blue_collar,88842.48,0.2684,full_paramedical,117,70,232,33,7.03,117,5.5,False,94.3,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,1.15,4.0,False,False,False,False,22,UW-283,2.0,whole_life,2000000,monthly,12178.28,,none,10076.06,,,True,quota_share,independent_broker,False,False,False,0.001816,0.006718,SOA_2015_VBT,SOA_Scale_MP2023,2.078,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001816,0.018,False,,1.0,False,,,,0.02,0.0297,False,normal_rate,4.43,1.65,False,False,False,False,False,0.803,64.2,55.0,super_preferred_longevity,99.0,baseline,1.299,0.375,False,,False,,1989923.94,89970.22,98404.05,97426.24,23138.73,False,0,3.94,-11.53
LI-2024-INS004-001769,2012-07-02,13,51,64,1961,male,former_smoker,18.8,76,154,KY,USA,single,high_school,white_collar,144302.45,0.7283,non_med_guaranteed,118,88,184,70,2.63,72,,False,97.2,11.79,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-459,2.25,term_life,1000000,monthly,12885.93,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.021051,0.074081,SOA_2015_VBT,SOA_Scale_MP2023,2.379,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026314,0.015,False,,1.0,False,,,,0.03,0.0335,False,normal_rate,3.96,2.15,False,True,False,False,False,0.845,39.3,31.0,preferred_longevity,69.9,baseline,0.954,0.894,True,84.0,False,,1000000.0,103375.94,100370.43,103087.44,24483.27,False,0,-1.16,-12.6
LI-2024-INS004-001770,2014-10-16,12,32,44,1982,female,former_smoker,26.6,65,159,TX,USA,married,bachelors,white_collar,235435.89,0.6807,simplified_issue,151,92,144,41,3.51,94,,False,,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-141,1.5,group_life,250000,monthly,1304.25,,none,,,,False,none,employer_group,False,False,False,0.003542,0.0079,SOA_2015_VBT,SOA_Scale_MP2023,1.749,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001771,0.02,False,,1.0,False,,,,0.1,0.1387,False,normal_rate,1.87,1.3,False,False,False,False,False,0.838,65.6,53.6,super_preferred_longevity,100.0,baseline,0.989,0.621,False,,False,,250000.0,11186.02,10491.49,10434.0,2478.07,False,0,3.99,3.55
LI-2024-INS004-001771,2003-02-07,7,57,64,1946,female,never_smoker,35.2,59,174,MT,USA,divorced,high_school,white_collar,52106.52,0.5726,accelerated_UW,147,93,215,47,4.57,116,5.4,False,103.9,,False,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,8,UW-160,2.25,universal_life,1000000,annual,10741.45,,10yr_declining,8569.58,,,True,none,captive_agent,False,False,False,0.011814,0.045413,SOA_2015_VBT,SOA_Scale_MP2023,2.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014768,0.008,False,,1.0,False,,,,0.06,0.0335,False,normal_rate,3.65,0.59,False,False,False,False,False,0.863,33.8,27.0,preferred_longevity,61.6,baseline,1.071,0.829,True,36.1,False,,991430.42,78015.56,74621.66,85931.6,20408.76,False,0,-0.62,-6.17
LI-2024-INS004-001772,2011-02-22,8,68,76,1943,male,never_smoker,28.1,62,153,CO,USA,married,some_college,professional,37084.09,0.7122,limited_exam,153,93,215,56,3.84,109,,False,,1.55,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,45,UW-216,2.25,whole_life,1000000,monthly,12487.49,,none,11076.12,,,True,facultative,bank,False,False,False,0.041016,0.147772,SOA_2015_VBT,SOA_Scale_MP2023,2.436,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.05127,0.008,False,,1.0,False,,,,0.02,0.0226,False,normal_rate,2.54,2.31,True,False,False,False,False,0.908,18.9,10.9,standard_longevity,39.5,baseline,0.966,0.862,False,,False,,988923.88,51990.77,47569.85,54445.46,32817.12,False,0,0.97,-13.45
LI-2024-INS004-001773,2011-02-06,2,18,20,1993,male,current_smoker,31.8,63,179,ID,USA,married,some_college,white_collar,90993.03,0.4448,full_paramedical,129,71,234,39,6.0,92,4.7,True,95.1,,False,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,12,UW-171,2.75,indexed_ul,250000,annual,1161.03,,10yr_declining,813.59,,,False,none,independent_broker,False,False,False,0.002013,0.01025,SOA_2015_VBT,SOA_Scale_MP2023,2.865,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003523,0.022,False,,1.0,False,,,,0.08,0.0484,False,normal_rate,5.03,2.39,False,False,False,False,False,0.968,70.0,55.0,super_preferred_longevity,100.0,baseline,1.166,0.283,False,,False,,249186.41,9998.0,9572.14,9288.24,2205.96,False,0,-2.72,-20.0
LI-2024-INS004-001774,2002-05-22,2,45,47,1957,female,never_smoker,17.2,71,123,OK,USA,divorced,high_school,heavy_blue_collar,40319.61,0.4084,full_paramedical,109,64,100,50,2.0,97,4.2,False,81.5,,True,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,0.58,1.0,False,False,False,False,19,UW-401,1.25,whole_life,500000,annual,2255.62,,none,1431.84,,,False,none,worksite,False,False,False,0.003088,0.006219,SOA_2015_VBT,SOA_Scale_MP2023,1.478,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000772,0.012,False,,1.0,False,,,,0.04,0.0549,False,normal_rate,3.15,1.24,False,False,False,False,False,0.913,47.1,45.1,super_preferred_longevity,86.3,baseline,1.194,0.355,False,,False,,498568.16,17824.91,17074.71,18044.96,4285.68,False,0,4.55,18.07
LI-2024-INS004-001775,2007-03-05,7,53,60,1954,male,never_smoker,25.0,63,141,AK,USA,married,high_school,white_collar,374582.54,0.3773,simplified_issue,120,75,185,57,3.25,97,5.1,False,65.5,1.27,True,False,True,False,True,prostate,4.8,none,none,none,2,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,35,UW-361,2.0,term_life,250000,quarterly,2534.04,20.0,none,,,,False,none,bank,False,False,False,0.01069,0.037177,SOA_2015_VBT,SOA_Scale_MP2023,2.036,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01069,0.012,False,,1.0,False,,,,0.05,0.0699,False,normal_rate,6.12,2.4,False,False,False,False,False,0.98,37.6,30.6,preferred_longevity,74.1,baseline,1.217,0.293,False,,False,,250000.0,21127.9,17749.05,20272.32,4814.68,False,0,2.43,-4.82
LI-2024-INS004-001776,2023-01-25,4,30,34,1993,male,never_smoker,31.2,64,181,DE,USA,married,bachelors,white_collar,107539.28,0.5836,limited_exam,118,61,198,25,7.92,104,4.7,False,82.9,,True,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-116,2.0,whole_life,500000,annual,2744.62,,none,2061.36,,,False,none,independent_broker,False,False,False,0.001792,0.005894,SOA_2015_VBT,SOA_Scale_MP2023,2.154,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001792,0.022,False,,1.0,True,2026-05-12,replacement,4.0,0.04,0.0493,False,normal_rate,1.86,2.72,False,False,False,False,False,0.801,65.0,54.6,super_preferred_longevity,100.0,baseline,1.062,0.575,False,,True,-0.251,497938.64,19970.66,20445.47,21956.96,5214.78,False,0,0.67,-8.55
LI-2024-INS004-001777,2019-01-01,5,21,26,1998,female,never_smoker,20.1,67,128,OH,USA,married,graduate,white_collar,85554.86,0.381,full_paramedical,111,66,143,55,2.6,84,,False,99.2,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,23,UW-150,0.82,universal_life,250000,monthly,447.13,,10yr_declining,324.21,,,False,none,independent_broker,False,False,False,0.000983,0.000997,SOA_2015_VBT,SOA_Scale_MP2023,0.835,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0502,False,normal_rate,3.7,1.41,False,False,False,False,False,0.952,70.0,55.0,super_preferred_longevity,100.0,baseline,1.214,0.348,False,,False,,249675.79,3474.59,3524.95,3577.04,849.55,False,0,2.81,18.6
LI-2024-INS004-001778,2005-06-08,5,66,71,1939,female,unknown,31.8,60,163,LA,USA,married,some_college,white_collar,111964.08,0.7318,full_paramedical,127,91,231,58,3.98,84,5.2,False,81.9,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-265,1.25,term_life,100000,semi_annual,667.17,30.0,none,,,,False,none,captive_agent,False,False,False,0.025537,0.04209,SOA_2015_VBT,SOA_Scale_MP2023,1.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006384,0.005,False,,1.0,False,,,,0.07,0.078,False,normal_rate,3.18,0.83,False,False,False,False,False,0.772,24.2,19.2,standard_longevity,52.3,baseline,0.951,0.64,False,,False,,100000.0,5317.97,5349.14,5123.87,1310.32,False,0,4.21,14.57
LI-2024-INS004-001779,2000-09-14,6,28,34,1972,male,current_smoker,34.8,70,242,RI,USA,married,bachelors,light_blue_collar,20000.0,0.6523,full_paramedical,123,80,173,45,3.84,110,5.9,True,100.6,,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,16,UW-085,2.5,term_life,1000000,monthly,7520.36,20.0,none,,,,True,none,employer_group,False,False,False,0.003585,0.014962,SOA_2015_VBT,SOA_Scale_MP2023,2.645,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005377,0.018,False,,1.0,False,,,,0.05,0.0707,False,normal_rate,3.4,1.22,False,False,False,False,False,0.805,63.8,55.0,super_preferred_longevity,100.0,baseline,1.011,0.712,False,,False,,1000000.0,60430.89,56724.23,60162.88,14288.68,False,0,3.0,-17.37
LI-2024-INS004-001780,2010-10-27,16,28,44,1982,female,never_smoker,29.4,59,145,VT,USA,single,bachelors,professional,31606.21,0.6866,full_paramedical,118,65,178,58,3.07,101,,False,82.0,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-465,2.25,whole_life,250000,annual,2369.84,,none,2781.65,,,False,none,bank,False,False,False,0.002724,0.009817,SOA_2015_VBT,SOA_Scale_MP2023,2.389,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.02,False,,1.0,False,,,,0.015,0.0173,False,normal_rate,2.27,2.83,False,False,False,True,False,0.973,69.6,53.6,super_preferred_longevity,100.0,baseline,0.985,0.661,False,,False,,247218.35,19047.67,16897.34,18958.72,4502.7,False,0,2.89,-9.93
LI-2024-INS004-001781,2010-12-13,2,38,40,1972,female,former_smoker,27.3,67,174,WY,USA,divorced,high_school,professional,107736.77,0.2877,accelerated_UW,109,63,234,44,5.32,93,,False,71.2,,False,False,True,False,False,none,,none,none,anxiety,0,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,True,24,UW-174,1.25,universal_life,1000000,monthly,3822.38,,10yr_declining,2334.98,,,True,quota_share,direct_to_consumer,False,False,False,0.002686,0.005414,SOA_2015_VBT,SOA_Scale_MP2023,1.375,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000671,0.018,False,,1.0,False,,,,0.08,0.1037,False,normal_rate,3.94,1.09,False,False,False,False,False,0.929,59.4,56.2,super_preferred_longevity,100.0,baseline,1.284,0.206,True,40.2,False,,997665.02,32854.59,28993.04,30579.04,7262.52,False,0,3.17,0.33
LI-2024-INS004-001782,2022-11-25,3,43,46,1979,male,never_smoker,27.9,68,183,AR,USA,single,high_school,white_collar,31638.31,0.44,full_paramedical,126,86,273,75,3.64,79,,False,72.8,1.31,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard,,,False,False,False,False,23,UW-264,1.09,universal_life,100000,semi_annual,438.86,,10yr_declining,277.82,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.003943,0.009872,SOA_2015_VBT,SOA_Scale_MP2023,1.084,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000355,0.018,True,0.00452,1.0,False,,,,0.08,0.0679,False,normal_rate,2.47,1.23,False,True,False,False,False,0.828,49.0,46.0,super_preferred_longevity,88.1,baseline,1.17,0.574,False,,False,,99722.18,3588.78,3470.42,3510.88,833.83,False,0,2.01,12.62
LI-2024-INS004-001783,2007-12-02,17,38,55,1969,female,former_smoker,23.0,69,156,MA,USA,married,graduate,professional,25069.08,0.6494,limited_exam,95,59,233,48,4.85,95,5.1,False,110.7,,False,False,False,False,True,lung,11.3,none,none,anxiety,11,False,False,False,False,True,declined,,,False,False,True,False,34,UW-101,7.0,term_life,500000,annual,15309.57,20.0,none,,,,False,none,bank,False,False,False,0.008346,0.112312,SOA_2015_VBT,SOA_Scale_MP2023,7.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050078,0.015,False,,1.0,False,,,,0.03,0.0354,False,normal_rate,4.67,0.74,False,False,False,False,False,0.823,57.1,40.1,super_preferred_longevity,82.4,baseline,1.013,0.563,False,,False,,500000.0,118381.5,124474.16,122476.56,29088.18,False,0,-3.68,-20.0
LI-2024-INS004-001784,2017-12-26,2,55,57,1962,male,never_smoker,26.3,75,210,LA,USA,married,some_college,professional,88384.14,0.8219,full_paramedical,127,79,185,49,3.78,107,,False,88.3,3.72,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,37,UW-400,2.0,term_life,1000000,monthly,9881.77,20.0,none,,,,True,none,employer_group,False,False,False,0.009057,0.025142,SOA_2015_VBT,SOA_Scale_MP2023,2.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009057,0.015,False,,1.0,False,,,,0.07,0.0876,False,normal_rate,5.53,1.87,False,False,False,False,False,0.886,35.8,33.8,preferred_longevity,75.5,baseline,0.884,0.744,False,,False,,1000000.0,80703.41,70854.23,79054.16,18775.36,False,0,-3.03,0.85
LI-2024-INS004-001785,2008-01-27,15,21,36,1987,female,never_smoker,21.9,71,157,RI,USA,single,high_school,light_blue_collar,75991.21,0.5677,limited_exam,103,65,172,68,2.53,86,,False,100.6,,False,False,False,False,False,none,,none,none,none,0,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,39,UW-384,1.5,annuity_deferred,250000,semi_annual,1007.72,,none,1125.07,,,False,none,bank,False,True,False,0.001608,0.003697,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000804,0.02,False,,1.0,False,,,,0.01,0.0125,False,normal_rate,3.98,2.96,False,False,False,False,False,0.767,70.0,65.3,super_preferred_longevity,100.0,baseline,1.074,0.41,True,85.7,False,,248874.93,7581.93,7264.74,8061.76,1914.67,False,0,1.65,1.09
LI-2024-INS004-001786,2020-05-10,1,67,68,1953,female,never_smoker,22.9,69,154,MN,USA,married,high_school,professional,59994.48,0.5629,full_paramedical,142,83,244,47,5.19,83,4.8,False,,,False,False,False,False,False,none,,none,none,bipolar,6,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-106,2.0,term_life,1000000,annual,10144.03,30.0,none,,,,True,quota_share,independent_broker,False,False,False,0.016845,0.053902,SOA_2015_VBT,SOA_Scale_MP2023,2.041,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016845,0.012,True,0.0,1.0,False,,,,0.1,0.125,False,normal_rate,1.81,1.72,False,False,False,False,False,0.881,25.2,24.2,standard_longevity,57.2,baseline,1.078,0.274,False,,False,,1000000.0,86526.4,82072.47,81152.24,19273.66,False,0,3.65,-7.87
LI-2024-INS004-001787,2001-03-26,5,43,48,1958,male,never_smoker,17.1,66,105,NE,USA,widowed,bachelors,professional,20788.82,0.7905,full_paramedical,110,59,129,81,1.59,98,,False,,1.96,False,False,True,False,True,lymphoma,8.5,none,none,substance_use_disorder,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,24,UW-376,3.0,term_life,100000,monthly,1285.62,20.0,none,,,,False,none,independent_broker,False,False,False,0.004216,0.02081,SOA_2015_VBT,SOA_Scale_MP2023,3.237,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008431,0.012,False,,1.0,False,,,,0.07,0.0747,False,normal_rate,2.47,0.89,False,False,False,False,False,0.942,49.8,44.8,super_preferred_longevity,100.0,baseline,0.907,0.736,False,,False,,100000.0,9645.25,9791.22,10284.96,2442.68,False,0,2.41,-20.0
LI-2024-INS004-001788,2006-05-21,16,23,39,1983,male,never_smoker,31.6,67,201,HI,USA,married,bachelors,white_collar,160673.74,0.6896,simplified_issue,130,78,185,59,3.14,109,,False,106.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,4,UW-157,0.94,term_life,2000000,annual,6570.07,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.002419,0.002207,SOA_2015_VBT,SOA_Scale_MP2023,0.928,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0344,False,normal_rate,1.72,2.17,False,False,False,False,False,0.768,70.0,54.0,super_preferred_longevity,100.0,baseline,0.983,0.605,False,,False,,2000000.0,53345.45,53263.4,52560.56,12483.13,False,0,2.02,18.19
LI-2024-INS004-001789,2017-06-23,1,75,76,1942,male,unknown,27.4,76,224,OR,USA,divorced,high_school,professional,104670.99,0.4605,limited_exam,149,92,186,47,3.96,112,,False,79.6,3.0,False,False,False,False,True,prostate,0.8,none,none,schizophrenia,1,False,False,False,False,True,standard,,,False,True,False,False,46,UW-414,1.0,term_life,100000,monthly,665.45,20.0,none,,,,False,none,captive_agent,False,False,False,0.046791,0.057699,SOA_2015_VBT,SOA_Scale_MP2023,1.068,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.1,0.1332,False,normal_rate,4.91,2.54,False,False,False,False,False,0.868,10.8,9.8,sub_standard_longevity,34.1,baseline,1.155,0.457,False,,False,,100000.0,2351.39,2389.52,2608.56,1807.36,False,0,4.8,11.58
LI-2024-INS004-001790,2023-09-11,4,50,54,1973,male,current_smoker,33.8,61,178,MO,USA,single,some_college,white_collar,26875.67,0.7667,limited_exam,122,68,212,42,5.05,102,5.2,True,67.0,0.9,False,False,True,False,False,none,,none,none,depression,7,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,18,UW-498,1.75,whole_life,250000,quarterly,2063.74,,none,1377.58,,,False,none,independent_broker,False,False,False,0.014784,0.0364,SOA_2015_VBT,SOA_Scale_MP2023,1.851,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011088,0.018,False,,1.0,False,,,,0.04,0.0435,False,normal_rate,1.92,0.85,False,False,False,False,False,0.92,45.5,41.5,super_preferred_longevity,96.3,baseline,0.925,0.813,False,,False,,248622.42,17498.77,16674.64,16509.92,3921.11,False,0,-1.39,2.12
LI-2024-INS004-001791,2009-09-28,15,75,90,1934,female,never_smoker,25.8,69,174,WA,USA,single,bachelors,light_blue_collar,79786.01,0.4528,full_paramedical,140,89,197,47,4.19,95,,False,81.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,standard,,,False,True,False,False,46,UW-181,1.0,whole_life,5000000,semi_annual,41057.89,,none,45427.1,,,True,quota_share,captive_agent,False,False,False,0.111096,0.133299,SOA_2015_VBT,SOA_Scale_MP2023,1.034,neurological,True,2018-05-12,False,False,1439757.03,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.015,0.0201,False,normal_rate,2.93,2.63,False,False,False,False,False,0.758,13.3,1.0,sub_standard_longevity,20.8,baseline,1.16,0.488,False,,False,,4954572.9,16933.81,16808.07,16423.16,140417.98,False,0,1.93,16.91
LI-2024-INS004-001792,2009-10-06,4,46,50,1963,female,former_smoker,23.4,60,119,SC,USA,divorced,some_college,light_blue_collar,111849.34,0.6834,full_paramedical,129,75,225,65,3.46,74,,False,76.2,,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,standard,,,False,False,False,False,17,UW-331,1.06,indexed_ul,100000,quarterly,491.67,,10yr_declining,371.63,,,False,none,direct_to_consumer,True,False,False,0.005408,0.006161,SOA_2015_VBT,SOA_Scale_MP2023,1.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000324,0.015,False,,1.0,True,2025-08-05,voluntary_surrender,4.0,0.08,0.0581,False,normal_rate,2.71,2.54,False,True,False,False,False,0.803,48.4,55.0,super_preferred_longevity,100.0,baseline,0.987,0.576,True,97.7,False,,99628.37,4088.61,4117.7,3933.36,934.17,False,0,6.42,21.97
LI-2024-INS004-001793,2007-07-11,20,76,96,1931,female,never_smoker,28.6,60,146,TN,USA,married,bachelors,white_collar,32345.2,0.5457,full_paramedical,124,79,250,69,3.62,76,,False,60.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,standard,,,False,True,False,False,39,UW-266,1.0,whole_life,1000000,monthly,7277.46,,none,10330.24,,,True,facultative,worksite,False,False,False,0.177147,0.204426,SOA_2015_VBT,SOA_Scale_MP2023,1.058,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.015,0.019,False,normal_rate,4.98,1.92,False,False,False,False,False,0.862,12.2,1.0,sub_standard_longevity,22.2,baseline,1.091,0.505,False,,False,,989669.76,2933.52,2813.17,2910.98,24888.91,False,0,3.11,15.61
LI-2024-INS004-001794,2019-09-27,8,57,65,1962,male,never_smoker,25.4,66,157,VT,USA,married,some_college,light_blue_collar,161898.01,0.3139,full_paramedical,133,82,193,57,3.39,93,5.3,False,,4.78,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,standard_plus,,,False,False,False,False,5,UW-176,0.95,group_life,500000,quarterly,2402.46,,none,,,,False,none,captive_agent,False,False,False,0.017925,0.021511,SOA_2015_VBT,SOA_Scale_MP2023,0.949,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.12,0.1739,False,normal_rate,5.7,1.78,False,False,False,False,False,0.82,31.8,26.1,standard_longevity,56.4,baseline,1.265,0.391,True,62.9,False,,500000.0,20928.77,19058.49,19219.68,4564.67,False,0,4.94,22.05
LI-2024-INS004-001795,2009-08-20,3,37,40,1972,non_binary,unknown,38.8,64,226,MS,USA,single,bachelors,professional,68377.94,0.5859,limited_exam,129,74,222,47,4.72,111,4.8,False,98.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,14,False,False,False,False,False,standard,,,False,True,False,False,3,UW-134,1.0,annuity_deferred,500000,semi_annual,1574.41,,none,1148.63,,,False,none,independent_broker,False,False,False,0.002673,0.002963,SOA_2015_VBT,SOA_Scale_MP2023,1.045,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0493,False,normal_rate,2.79,0.78,False,False,False,False,False,0.817,54.6,49.5,super_preferred_longevity,95.5,baseline,1.061,0.613,True,18.9,False,,498851.37,13043.57,13217.15,12595.28,2991.38,False,0,3.88,18.68
LI-2024-INS004-001796,2006-07-13,17,40,57,1966,female,current_smoker,25.7,67,163,HI,USA,married,less_than_hs,light_blue_collar,35399.93,0.3457,full_paramedical,134,87,224,70,3.2,69,,True,104.9,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,4,UW-261,2.5,universal_life,100000,quarterly,1132.91,,15yr_declining,1387.35,,,False,none,independent_broker,False,False,False,0.015163,0.069816,SOA_2015_VBT,SOA_Scale_MP2023,2.502,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022745,0.015,False,,1.0,False,,,,0.04,0.0569,False,normal_rate,2.72,0.7,False,False,False,False,False,0.857,53.5,39.2,preferred_longevity,76.5,baseline,1.241,0.31,True,56.3,False,,98612.65,8194.77,7852.67,9063.28,2152.53,False,0,-1.7,-17.96
LI-2024-INS004-001797,2013-11-17,7,52,59,1961,female,former_smoker,23.1,65,138,WY,USA,married,high_school,professional,20000.0,0.8535,full_paramedical,162,103,150,65,2.31,81,,False,78.1,,True,False,False,False,False,none,,none,none,anxiety,3,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,37,UW-338,2.0,term_life,2000000,semi_annual,19316.19,20.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.010979,0.030436,SOA_2015_VBT,SOA_Scale_MP2023,2.061,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010979,0.015,False,,1.0,False,,,,0.05,0.0712,False,normal_rate,5.07,2.85,False,False,False,False,False,0.877,42.8,35.8,preferred_longevity,79.0,baseline,0.86,1.0,False,,False,,2000000.0,152040.21,140348.73,154529.52,36700.76,False,0,0.35,-4.37
LI-2024-INS004-001798,2012-03-09,15,65,80,1947,male,former_smoker,36.3,69,245,MI,USA,married,high_school,heavy_blue_collar,20000.0,0.3077,full_paramedical,173,92,269,44,6.11,101,8.9,False,65.3,3.48,False,True,False,False,False,none,,type_2,none,bipolar,1,False,True,False,True,True,substandard_table_5,1.18,5.0,False,False,False,False,22,UW-333,2.25,term_life,500000,monthly,7615.9,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.077983,0.328097,SOA_2015_VBT,SOA_Scale_MP2023,2.33,cardiovascular,True,2025-06-23,False,False,1117443.63,0.0007,5e-05,1.095,0.097479,0.008,False,,1.0,False,,,,0.03,0.0436,False,normal_rate,3.24,1.54,False,False,False,False,False,0.982,20.9,6.2,sub_standard_longevity,26.4,baseline,1.269,0.513,True,47.7,False,,500000.0,17350.94,17023.63,18887.43,22878.16,False,0,0.91,-20.0
LI-2024-INS004-001799,2020-06-07,1,65,66,1955,male,former_smoker,16.2,65,97,OR,USA,divorced,some_college,white_collar,78019.39,0.432,accelerated_UW,137,79,206,63,3.27,76,,False,88.1,1.93,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,6,UW-097,1.25,whole_life,1000000,quarterly,7820.18,,none,4851.72,,,True,quota_share,bank,False,False,False,0.023567,0.046833,SOA_2015_VBT,SOA_Scale_MP2023,1.315,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005892,0.012,True,0.0045,1.0,False,,,,0.06,0.0813,False,normal_rate,0.69,2.43,False,False,False,False,False,0.909,22.9,21.9,standard_longevity,51.8,baseline,1.176,0.526,False,,False,,995148.28,68242.81,59838.63,62561.44,14858.34,False,0,0.61,10.66
LI-2024-INS004-001800,2006-06-05,17,66,83,1940,male,former_smoker,36.0,75,288,MO,USA,widowed,some_college,light_blue_collar,34121.9,0.4714,accelerated_UW,138,85,185,46,4.02,119,5.4,False,84.4,5.25,False,False,True,False,True,prostate,13.0,none,none,depression,2,False,True,False,False,True,substandard_table_1,,1.0,False,False,False,True,27,UW-192,1.25,annuity_deferred,250000,annual,2400.84,,none,3031.98,,,False,none,captive_agent,False,False,False,0.09551,0.171589,SOA_2015_VBT,SOA_Scale_MP2023,1.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023877,0.008,False,,1.0,False,,,,0.01,0.0132,False,normal_rate,5.62,1.97,False,False,False,False,False,0.909,22.5,5.5,standard_longevity,37.8,baseline,1.146,0.599,False,,False,,246968.02,5679.67,5050.56,5281.85,7346.57,False,0,0.84,22.12
LI-2024-INS004-001801,2018-03-22,1,48,49,1970,male,never_smoker,23.4,64,136,GA,USA,married,high_school,professional,69695.36,0.4301,limited_exam,121,77,152,37,4.11,93,5.1,False,81.7,1.64,False,False,False,False,False,none,,none,none,depression,23,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,18,UW-139,1.75,term_life,100000,annual,718.74,10.0,none,,,,False,none,captive_agent,False,False,False,0.004956,0.015172,SOA_2015_VBT,SOA_Scale_MP2023,1.963,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003717,0.018,False,,1.0,False,,,,0.1,0.1356,False,normal_rate,2.9,1.26,False,False,False,False,False,0.775,42.7,41.7,super_preferred_longevity,81.5,baseline,1.177,0.533,False,,False,,100000.0,6067.04,5917.75,5749.92,1365.61,False,0,5.94,-2.41
LI-2024-INS004-001802,2017-12-14,5,48,53,1969,male,never_smoker,30.7,63,173,NC,USA,married,bachelors,professional,40595.45,0.6305,simplified_issue,131,89,236,46,5.13,96,5.2,False,,1.28,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-262,1.25,group_life,1000000,monthly,5927.8,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.006813,0.011836,SOA_2015_VBT,SOA_Scale_MP2023,1.448,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001703,0.015,False,,1.0,False,,,,0.15,0.1793,False,normal_rate,1.22,1.81,False,False,False,False,False,0.878,43.1,38.1,preferred_longevity,79.1,baseline,1.027,0.716,False,,False,,1000000.0,44025.37,47405.33,47422.4,11262.82,False,0,7.74,8.67
LI-2024-INS004-001803,2020-11-13,2,47,49,1973,female,never_smoker,25.1,64,146,ND,USA,married,less_than_hs,professional,110988.36,0.3304,simplified_issue,112,67,224,41,5.46,112,5.1,False,,,False,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-399,1.25,universal_life,500000,quarterly,2517.32,,15yr_declining,1601.07,,,False,none,captive_agent,False,False,False,0.003965,0.012839,SOA_2015_VBT,SOA_Scale_MP2023,1.411,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000991,0.018,True,0.00484,1.0,False,,,,0.08,0.0517,False,normal_rate,1.99,2.17,False,False,False,False,False,0.87,50.7,48.7,super_preferred_longevity,100.0,baseline,1.252,0.395,False,,False,,498398.93,18719.52,19151.78,20138.56,4782.91,False,0,2.72,8.38
LI-2024-INS004-001804,2002-06-10,3,27,30,1975,female,never_smoker,22.1,66,136,MT,USA,married,some_college,white_collar,384636.83,0.3811,full_paramedical,127,80,161,47,3.43,93,,False,94.8,,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,19,UW-192,0.56,term_life,250000,monthly,327.04,30.0,none,,,,True,quota_share,independent_broker,False,False,False,0.001168,0.00098,SOA_2015_VBT,SOA_Scale_MP2023,0.691,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0977,False,normal_rate,5.35,0.95,False,False,False,False,False,0.858,68.2,55.0,super_preferred_longevity,100.0,baseline,1.214,0.289,False,,False,,250000.0,2688.92,2498.4,2616.32,621.38,False,0,5.23,30.08
LI-2024-INS004-001805,2020-05-27,6,36,42,1984,male,never_smoker,29.6,67,189,NY,USA,single,some_college,white_collar,80618.99,0.2177,full_paramedical,109,61,227,28,8.11,107,4.7,False,78.6,0.63,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,71,UW-007,2.25,whole_life,500000,monthly,3733.21,,none,2812.16,,,False,none,captive_agent,False,True,False,0.002957,0.018716,SOA_2015_VBT,SOA_Scale_MP2023,2.405,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003696,0.02,True,0.00551,1.0,False,,,,0.02,0.0305,False,normal_rate,3.68,1.13,False,False,False,False,False,0.76,56.1,50.1,super_preferred_longevity,90.9,baseline,1.337,0.323,False,,False,,497187.84,31986.22,31061.75,29865.68,7093.1,False,0,-1.67,-14.62
LI-2024-INS004-001806,2013-12-10,7,54,61,1959,male,never_smoker,38.0,61,201,AK,USA,married,graduate,professional,167907.23,0.4674,full_paramedical,149,98,226,48,4.71,125,8.1,False,,4.72,False,False,False,False,False,none,,type_2,none,anxiety,4,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,57,UW-014,2.25,universal_life,500000,quarterly,5703.0,,10yr_declining,4806.01,,,False,none,employer_group,False,False,False,0.012365,0.049298,SOA_2015_VBT,SOA_Scale_MP2023,2.381,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015456,0.012,False,,1.0,False,,,,0.06,0.043,False,normal_rate,3.57,1.69,True,False,False,False,False,0.797,34.7,27.7,preferred_longevity,61.1,baseline,1.149,0.385,False,,False,,495193.99,48843.07,43447.73,45624.0,10835.7,False,0,0.73,-15.52
LI-2024-INS004-001807,2015-04-26,6,74,80,1941,female,never_smoker,34.5,72,254,CA,USA,married,high_school,light_blue_collar,115285.42,0.8304,full_paramedical,138,92,277,45,6.16,60,4.9,False,74.0,,False,False,False,True,False,none,,none,none,schizophrenia,36,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,23,UW-348,2.5,term_life,500000,monthly,9221.17,20.0,none,,,,False,none,captive_agent,False,False,False,0.045732,0.172698,SOA_2015_VBT,SOA_Scale_MP2023,2.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.068597,0.008,False,,1.0,False,,,,0.05,0.0518,False,normal_rate,4.57,1.68,True,False,False,False,False,0.751,17.1,11.1,standard_longevity,41.6,baseline,0.877,0.834,False,,False,,500000.0,40005.13,42476.03,40941.99,24085.7,False,0,1.4,-16.54
LI-2024-INS004-001808,2004-09-18,12,41,53,1963,female,never_smoker,28.9,69,195,NC,USA,single,high_school,heavy_blue_collar,28880.42,0.703,limited_exam,133,81,217,47,4.62,83,5.8,False,72.2,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,True,True,substandard_table_4,0.86,4.0,False,False,False,False,53,UW-494,2.0,universal_life,250000,quarterly,2238.09,,10yr_declining,2311.71,,,False,none,direct_to_consumer,False,False,False,0.005288,0.016328,SOA_2015_VBT,SOA_Scale_MP2023,2.146,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005288,0.015,False,,1.0,False,,,,0.04,0.0637,False,normal_rate,2.56,0.94,False,False,False,False,False,0.796,53.5,41.5,super_preferred_longevity,85.3,baseline,0.973,0.73,False,,False,,247688.29,18421.5,16975.4,17904.72,4252.37,False,0,2.44,-3.73
LI-2024-INS004-001809,2008-05-09,7,61,68,1947,female,never_smoker,31.1,71,222,ID,USA,single,bachelors,white_collar,98931.29,0.7222,limited_exam,127,72,191,29,6.59,81,5.6,False,67.4,,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-074,2.25,whole_life,2000000,semi_annual,29326.49,,none,24577.71,,,True,excess_of_loss,bank,False,False,False,0.01685,0.059496,SOA_2015_VBT,SOA_Scale_MP2023,2.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021063,0.008,False,,1.0,False,,,,0.02,0.0224,False,normal_rate,2.28,1.14,False,False,False,False,False,0.766,30.6,23.6,standard_longevity,58.7,baseline,0.958,0.613,False,,False,,1975422.29,233884.81,212845.09,234611.92,55720.33,False,0,2.0,-18.75
LI-2024-INS004-001810,2024-04-17,2,34,36,1990,female,current_smoker,26.8,61,141,AL,USA,widowed,bachelors,heavy_blue_collar,21262.52,0.7195,full_paramedical,136,80,251,52,4.83,87,5.1,True,95.5,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_3,0.53,3.0,False,False,False,False,14,UW-325,1.75,term_life,250000,annual,1231.74,20.0,none,,,,False,none,bank,True,False,False,0.003216,0.008088,SOA_2015_VBT,SOA_Scale_MP2023,1.838,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002412,0.022,False,,1.0,False,,,,0.07,0.0787,False,normal_rate,3.18,1.49,False,False,False,False,False,0.765,65.1,55.0,super_preferred_longevity,100.0,baseline,0.96,0.631,False,,True,0.635,250000.0,10252.2,8953.03,9853.92,2340.31,False,0,1.4,5.01
LI-2024-INS004-001811,2004-03-24,6,73,79,1931,female,never_smoker,33.1,66,205,FL,USA,married,graduate,white_collar,54171.31,0.599,full_paramedical,124,80,241,38,6.34,107,4.6,False,109.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,True,True,standard,,,False,True,False,False,38,UW-120,1.0,term_life,1000000,monthly,7335.55,15.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.042878,0.049289,SOA_2015_VBT,SOA_Scale_MP2023,1.094,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.05,0.0855,False,normal_rate,5.07,0.79,False,False,False,False,False,0.802,15.4,9.4,standard_longevity,35.6,baseline,1.051,0.522,False,,False,,1000000.0,27295.37,27912.96,27581.67,20158.09,False,0,2.01,21.81
LI-2024-INS004-001812,2007-11-07,4,35,39,1972,male,former_smoker,26.2,61,138,NJ,USA,single,bachelors,professional,178529.99,0.7335,full_paramedical,104,68,221,54,4.09,110,,False,69.8,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-073,2.25,term_life,500000,monthly,3514.5,10.0,none,,,,False,none,employer_group,False,False,False,0.003145,0.011102,SOA_2015_VBT,SOA_Scale_MP2023,2.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003932,0.018,False,,1.0,False,,,,0.07,0.0935,False,normal_rate,3.56,2.65,False,False,False,False,False,0.976,57.2,58.6,super_preferred_longevity,100.0,baseline,0.95,0.728,True,64.2,False,,500000.0,30143.34,26022.83,28116.0,6677.55,False,0,-1.84,-16.75
LI-2024-INS004-001813,2011-02-24,4,38,42,1973,female,never_smoker,30.5,63,172,LA,USA,single,less_than_hs,light_blue_collar,104614.56,0.2847,full_paramedical,139,85,257,36,7.14,138,4.8,False,88.4,,True,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-094,1.5,universal_life,250000,semi_annual,1258.14,,10yr_declining,935.23,,,False,none,captive_agent,False,False,False,0.002366,0.006435,SOA_2015_VBT,SOA_Scale_MP2023,1.726,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001183,0.018,False,,1.0,False,,,,0.08,0.2959,False,normal_rate,2.82,2.4,False,False,False,True,False,0.864,56.5,55.0,super_preferred_longevity,99.3,baseline,1.286,0.355,True,79.1,True,-0.025,249064.77,10765.57,9164.98,10065.12,2390.47,False,0,5.77,2.39
LI-2024-INS004-001814,2011-04-10,8,32,40,1979,male,never_smoker,23.0,72,169,MI,USA,married,high_school,professional,61681.16,0.764,simplified_issue,111,84,236,60,3.93,94,4.6,False,87.8,2.35,False,True,False,False,False,none,,none,none,none,0,False,False,False,True,True,standard_plus,,,False,False,False,False,35,UW-423,0.92,annuity_immediate,1000000,quarterly,3387.29,,none,,,,True,facultative,independent_broker,False,False,False,0.002583,0.002373,SOA_2015_VBT,SOA_Scale_MP2023,0.991,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.003,0.005,False,normal_rate,2.97,1.81,False,False,False,False,False,0.841,61.3,53.3,super_preferred_longevity,100.0,baseline,0.927,0.817,False,,False,,1000000.0,26082.67,27216.98,27098.32,6435.85,False,0,2.75,16.21
LI-2024-INS004-001815,2007-09-12,4,48,52,1959,female,never_smoker,15.0,60,90,TX,USA,married,less_than_hs,hazardous,23251.4,0.6417,full_paramedical,141,93,236,62,3.81,76,4.6,False,85.3,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,declined,,,True,False,True,False,18,UW-338,7.0,annuity_deferred,2000000,monthly,59909.42,,none,40529.65,,,True,coinsurance,direct_to_consumer,False,True,False,0.004676,0.058287,SOA_2015_VBT,SOA_Scale_MP2023,6.346,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028057,0.012,False,,1.0,False,,,,0.04,0.0665,False,normal_rate,4.4,2.92,False,False,False,False,False,0.864,45.4,41.4,super_preferred_longevity,84.2,baseline,1.019,0.659,False,,False,,1959470.35,455095.85,425949.59,479275.36,113827.9,False,0,-5.0,-20.0
LI-2024-INS004-001816,2021-08-11,1,32,33,1989,male,never_smoker,25.8,74,200,KY,USA,single,high_school,light_blue_collar,78179.26,0.6895,full_paramedical,104,70,171,40,4.28,113,5.2,False,,,False,False,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-177,1.25,group_life,500000,quarterly,1883.3,,none,,,,False,none,independent_broker,False,False,False,0.001698,0.005823,SOA_2015_VBT,SOA_Scale_MP2023,1.307,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000424,0.02,True,0.00322,1.0,True,2025-10-22,non_payment,1.0,0.18,0.2067,False,normal_rate,2.66,2.69,False,False,False,False,False,0.92,62.7,55.0,super_preferred_longevity,100.0,baseline,0.983,0.72,False,,True,0.806,500000.0,16337.11,15230.02,15066.4,3578.27,False,0,1.82,12.28
LI-2024-INS004-001817,2005-02-18,6,72,78,1933,female,current_smoker,28.4,61,150,MI,USA,divorced,high_school,light_blue_collar,46984.38,0.5016,full_paramedical,153,95,189,59,3.2,102,,True,97.4,,True,False,False,True,False,none,,none,very_severe_gold_4,schizophrenia,0,False,False,False,False,True,declined,,,False,False,True,False,46,UW-131,7.0,whole_life,250000,monthly,11831.24,,none,9119.93,,,False,none,direct_to_consumer,False,False,False,0.079406,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,6.456,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.476437,0.005,False,,1.0,False,,,,0.02,0.0364,False,normal_rate,3.22,1.93,False,False,False,False,False,0.817,16.4,10.4,standard_longevity,35.6,baseline,1.124,0.471,False,,False,,240880.07,50399.85,43847.11,49217.96,31565.75,False,0,-5.0,-20.0
LI-2024-INS004-001818,2005-08-14,5,75,80,1930,female,never_smoker,29.2,72,215,NM,USA,single,some_college,heavy_blue_collar,89614.87,0.5141,full_paramedical,153,83,217,68,3.19,86,,False,50.4,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,0.97,5.0,False,False,False,False,29,UW-097,2.25,term_life,1000000,semi_annual,13041.67,15.0,none,,,,True,quota_share,independent_broker,True,False,False,0.046531,0.176187,SOA_2015_VBT,SOA_Scale_MP2023,2.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058164,0.005,False,,1.0,False,,,,0.07,0.0902,False,normal_rate,2.37,1.5,False,False,False,False,False,0.914,13.0,8.7,sub_standard_longevity,33.3,baseline,1.114,0.552,True,58.6,False,,1000000.0,47692.71,39815.69,45385.01,36568.84,False,0,-0.07,-17.1
LI-2024-INS004-001819,2017-04-05,9,70,79,1947,female,current_smoker,36.5,58,174,MN,USA,married,high_school,white_collar,151387.55,0.3666,full_paramedical,163,99,228,54,4.22,123,5.6,True,67.4,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,27,UW-211,2.75,term_life,250000,semi_annual,4673.05,25.0,none,,,,False,none,bank,False,False,False,0.088001,0.457045,SOA_2015_VBT,SOA_Scale_MP2023,2.811,neurological,True,2020-11-19,False,False,1641092.59,0.0007,5e-05,1.095,0.154002,0.008,False,,1.0,False,,,,0.05,0.0703,False,normal_rate,4.3,0.73,False,False,False,False,False,0.992,20.2,11.2,sub_standard_longevity,34.8,baseline,1.225,0.366,False,,False,,250000.0,21385.24,19045.27,20935.26,12168.62,False,0,1.2,-20.0
LI-2024-INS004-001820,2020-06-20,2,69,71,1951,female,never_smoker,31.0,63,175,WV,USA,divorced,bachelors,light_blue_collar,124794.73,0.2492,full_paramedical,135,81,199,53,3.75,89,5.3,False,86.8,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,9,UW-449,0.78,indexed_ul,250000,quarterly,1205.58,,15yr_declining,763.45,,,False,none,captive_agent,False,False,False,0.021363,0.025965,SOA_2015_VBT,SOA_Scale_MP2023,0.844,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00229,1.0,False,,,,0.08,0.0756,False,normal_rate,2.35,1.09,False,False,False,False,False,0.998,24.6,22.6,preferred_longevity,60.1,baseline,1.313,0.125,False,,False,,249236.55,10438.49,9495.75,9644.64,2290.6,False,0,2.15,18.85
LI-2024-INS004-001821,2006-03-26,18,54,72,1952,male,current_smoker,22.7,63,128,NC,USA,married,high_school,white_collar,20000.0,0.8622,full_paramedical,132,74,209,58,3.6,79,5.2,True,96.8,3.86,True,False,True,False,False,none,,none,mild_gold_1,none,4,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-029,2.0,universal_life,100000,quarterly,1134.32,,10yr_declining,1404.22,,,True,quota_share,captive_agent,True,False,False,0.058993,0.16768,SOA_2015_VBT,SOA_Scale_MP2023,2.159,cardiovascular,True,2023-10-29,False,False,1531266.92,0.0007,5e-05,1.095,0.058993,0.012,False,,1.0,False,,,,0.04,0.0404,False,normal_rate,1.24,1.54,False,False,False,False,False,0.917,38.2,20.2,preferred_longevity,65.7,baseline,0.853,0.877,False,,False,,98595.78,9474.82,8066.91,9074.56,2155.21,False,0,2.47,-0.02
LI-2024-INS004-001822,2000-11-02,6,63,69,1937,male,never_smoker,21.7,74,169,AK,USA,married,graduate,heavy_blue_collar,56730.88,0.2413,full_paramedical,115,76,204,45,4.53,113,5.5,False,,6.07,False,False,False,True,False,none,,none,none,schizophrenia,1,False,False,False,False,True,substandard_table_6,0.81,6.0,False,False,False,False,37,UW-049,2.5,term_life,5000000,monthly,63210.32,10.0,none,,,,True,facultative,employer_group,False,False,False,0.023078,0.11699,SOA_2015_VBT,SOA_Scale_MP2023,2.706,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034617,0.005,False,,1.0,False,,,,0.05,0.0904,False,normal_rate,4.92,0.58,False,False,False,False,False,0.933,20.9,14.9,standard_longevity,38.5,baseline,1.319,0.372,False,,False,,5000000.0,341710.41,327350.72,376733.51,145889.42,False,0,0.9,-20.0
LI-2024-INS004-001823,2022-12-18,3,59,62,1963,female,never_smoker,26.7,70,186,AR,USA,married,graduate,heavy_blue_collar,186212.91,0.1614,full_paramedical,133,81,209,46,4.54,85,5.3,False,77.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,0.93,,False,False,False,False,19,UW-367,0.82,term_life,500000,annual,2161.52,30.0,none,,,,False,none,bank,False,False,False,0.011241,0.016604,SOA_2015_VBT,SOA_Scale_MP2023,0.794,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.0043,1.0,True,2025-11-27,unknown,3.0,0.07,0.1539,False,normal_rate,3.0,2.61,False,False,True,False,False,0.788,33.3,33.6,preferred_longevity,65.3,baseline,1.379,0.194,True,66.1,False,,500000.0,17506.69,15464.36,17292.16,4106.89,False,0,3.27,15.75
LI-2024-INS004-001824,2018-06-09,2,32,34,1986,male,former_smoker,20.0,61,105,MS,USA,single,bachelors,heavy_blue_collar,82576.98,0.3154,full_paramedical,105,60,200,61,3.28,73,5.4,False,120.0,,False,False,False,False,False,none,,none,none,none,10,False,False,True,False,True,standard_plus,1.28,,False,False,False,False,44,UW-108,1.0,term_life,250000,quarterly,759.77,20.0,none,,,,False,none,captive_agent,False,False,False,0.00233,0.002676,SOA_2015_VBT,SOA_Scale_MP2023,0.909,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.1013,False,normal_rate,2.93,2.18,False,False,False,False,False,0.942,60.8,55.0,super_preferred_longevity,99.7,baseline,1.263,0.321,False,,False,,250000.0,5869.23,6030.97,6078.16,1443.56,False,0,3.11,11.39
LI-2024-INS004-001825,2016-11-18,5,79,84,1937,female,former_smoker,21.4,63,121,VT,USA,married,high_school,white_collar,88042.24,0.8815,full_paramedical,116,72,194,38,5.11,77,,False,,,False,False,False,False,False,none,,none,none,none,14,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,51,UW-341,1.25,annuity_immediate,500000,quarterly,4760.04,,none,,,,False,none,captive_agent,False,False,False,0.088436,0.122855,SOA_2015_VBT,SOA_Scale_MP2023,1.358,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022109,0.005,False,,1.0,False,,,,0.005,0.005,False,normal_rate,3.85,1.92,False,False,False,False,False,0.8,11.5,6.5,standard_longevity,35.5,baseline,0.839,0.891,False,,False,,500000.0,13199.14,12728.66,12376.1,14184.92,False,0,4.41,6.92
LI-2024-INS004-001826,2017-11-12,10,62,72,1955,male,never_smoker,22.8,70,159,MO,USA,married,some_college,hazardous,45036.99,0.5715,full_paramedical,138,83,194,56,3.46,88,5.1,False,,4.13,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,3.97,1.0,True,False,False,False,17,UW-340,1.25,universal_life,100000,annual,787.53,,10yr_declining,720.94,,,False,none,direct_to_consumer,False,False,False,0.030584,0.051325,SOA_2015_VBT,SOA_Scale_MP2023,1.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007646,0.012,False,,1.0,False,,,,0.06,0.047,False,normal_rate,1.62,2.71,False,False,False,False,False,0.994,26.5,20.0,standard_longevity,51.1,baseline,1.071,0.619,True,91.8,False,,99279.06,6845.11,6568.11,6300.24,1496.31,False,0,1.73,18.47
LI-2024-INS004-001827,2018-12-21,1,29,30,1989,female,never_smoker,25.5,71,182,HI,USA,single,high_school,white_collar,129752.84,0.7117,full_paramedical,102,70,270,36,7.5,113,,False,89.4,,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-192,1.5,universal_life,100000,quarterly,401.41,,10yr_declining,253.08,,,False,none,captive_agent,False,False,False,0.001168,0.002361,SOA_2015_VBT,SOA_Scale_MP2023,1.575,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000584,0.02,False,,1.0,False,,,,0.12,0.0611,False,normal_rate,3.48,1.33,False,False,False,False,False,0.777,69.8,55.0,super_preferred_longevity,100.0,baseline,0.966,0.772,False,,False,,99746.92,3014.63,2974.96,3211.28,762.68,False,0,0.2,8.12
LI-2024-INS004-001828,2013-10-20,7,50,57,1963,male,former_smoker,26.1,76,214,MD,USA,married,less_than_hs,heavy_blue_collar,20000.0,0.6818,full_paramedical,137,92,198,44,4.5,91,,False,96.7,1.04,False,False,False,True,False,none,,none,none,bipolar,4,False,False,False,False,True,substandard_table_6,0.88,6.0,False,False,False,False,44,UW-213,2.5,term_life,250000,semi_annual,3071.2,15.0,none,,,,False,none,independent_broker,False,False,False,0.011953,0.048809,SOA_2015_VBT,SOA_Scale_MP2023,2.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01793,0.015,False,,1.0,False,,,,0.05,0.0577,False,normal_rate,3.52,0.82,False,False,False,False,False,0.785,40.4,33.4,preferred_longevity,72.8,baseline,0.989,0.649,False,,False,,250000.0,25798.34,21583.9,24569.6,5835.28,False,0,-2.57,-15.06
LI-2024-INS004-001829,2005-01-10,16,18,34,1987,female,never_smoker,34.0,65,204,AK,USA,divorced,high_school,professional,54206.5,0.8789,accelerated_UW,124,76,227,52,4.37,83,4.6,False,,,False,True,False,False,False,none,,none,none,none,0,False,True,False,False,False,standard_plus,,,False,False,False,True,29,UW-233,0.96,term_life,1000000,annual,2867.35,15.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.001434,0.001096,SOA_2015_VBT,SOA_Scale_MP2023,0.909,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0299,False,normal_rate,3.71,1.58,False,False,False,False,False,0.88,70.0,54.0,super_preferred_longevity,100.0,baseline,0.841,0.902,False,,False,,1000000.0,21913.7,20087.31,22938.8,5447.97,False,0,6.08,21.12
LI-2024-INS004-001830,2008-09-18,3,33,36,1975,male,current_smoker,30.2,65,181,UT,USA,divorced,graduate,hazardous,200885.37,0.4272,full_paramedical,133,82,240,53,4.53,90,5.1,True,99.4,,False,False,False,True,False,none,,none,none,none,6,False,False,False,False,True,substandard_table_8,3.06,8.0,True,False,False,False,46,UW-433,3.0,term_life,500000,annual,3980.81,30.0,none,,,,False,none,captive_agent,True,False,False,0.00402,0.022861,SOA_2015_VBT,SOA_Scale_MP2023,3.126,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008039,0.018,False,,1.0,True,2025-09-26,voluntary_surrender,3.0,0.07,0.4258,False,normal_rate,3.66,2.23,False,False,False,True,False,0.941,58.4,55.0,super_preferred_longevity,100.0,baseline,1.18,0.42,False,,False,,500000.0,30121.07,32018.52,31846.48,7563.54,False,0,3.12,-20.0
LI-2024-INS004-001831,2016-05-03,5,53,58,1963,female,never_smoker,31.4,67,200,MA,USA,single,some_college,heavy_blue_collar,93431.76,0.785,limited_exam,136,83,231,41,5.63,119,4.7,False,78.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,1.45,,False,True,False,False,5,UW-228,1.0,universal_life,250000,monthly,1208.79,,10yr_declining,862.74,,,False,none,captive_agent,False,False,False,0.008,0.007727,SOA_2015_VBT,SOA_Scale_MP2023,1.06,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0386,False,normal_rate,3.03,1.81,False,False,False,False,False,0.81,41.8,36.8,preferred_longevity,79.5,baseline,0.911,0.805,False,,False,,249137.26,10159.88,8423.21,9670.32,2296.7,False,0,3.38,24.74
LI-2024-INS004-001832,2015-08-11,7,77,84,1938,male,former_smoker,19.4,70,134,WA,USA,married,some_college,white_collar,65333.26,0.5863,non_med_guaranteed,133,85,248,74,3.35,95,5.6,False,52.6,20.0,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-388,2.0,annuity_immediate,2000000,quarterly,30802.21,,none,,,,True,quota_share,captive_agent,False,False,False,0.111101,0.360478,SOA_2015_VBT,SOA_Scale_MP2023,2.117,cardiovascular,True,2020-01-22,False,False,1259083.11,0.0007,5e-05,1.095,0.111101,0.005,False,,1.0,False,,,,0.003,0.005,False,normal_rate,5.02,2.7,False,False,False,False,False,0.948,8.4,1.4,sub_standard_longevity,23.4,baseline,1.06,0.689,False,,False,,2000000.0,17097.58,15757.28,17249.24,104357.89,False,0,0.05,-9.68
LI-2024-INS004-001833,2023-05-17,4,46,50,1977,female,never_smoker,28.9,60,148,NC,USA,married,high_school,white_collar,151906.59,0.9119,full_paramedical,92,50,215,54,3.98,90,4.8,False,95.8,,False,True,True,False,True,breast,6.4,none,none,substance_use_disorder,7,False,False,False,False,True,standard,,,False,True,False,False,41,UW-125,1.0,whole_life,1000000,monthly,4323.66,,none,3054.47,,,True,none,employer_group,False,True,False,0.004288,0.003842,SOA_2015_VBT,SOA_Scale_MP2023,1.098,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0466,False,normal_rate,2.58,2.25,False,False,False,False,False,0.971,54.6,50.6,super_preferred_longevity,100.0,baseline,0.816,0.851,False,,False,,996945.53,36682.62,35162.21,34589.28,8214.95,False,0,2.67,19.89
LI-2024-INS004-001834,2023-12-28,2,35,37,1988,female,never_smoker,31.4,61,166,WA,USA,married,some_college,white_collar,43657.48,0.3804,full_paramedical,153,90,186,46,4.04,113,5.4,False,,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,21,UW-378,2.25,indexed_ul,500000,annual,3687.2,,10yr_declining,2571.08,,,False,none,captive_agent,False,False,False,0.001707,0.006908,SOA_2015_VBT,SOA_Scale_MP2023,2.302,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,False,,1.0,False,,,,0.08,0.0502,False,normal_rate,2.98,2.63,False,False,False,False,False,0.929,62.3,55.0,super_preferred_longevity,100.0,baseline,1.215,0.518,False,,False,,497428.92,26797.23,27822.34,29497.6,7005.68,False,0,3.18,-6.78
LI-2024-INS004-001835,2009-11-03,10,46,56,1963,female,never_smoker,16.4,63,92,PA,USA,married,bachelors,white_collar,110341.37,0.5887,full_paramedical,135,83,151,67,2.25,98,5.1,False,67.7,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,41,UW-395,2.25,term_life,500000,annual,5734.91,20.0,none,,,,True,none,bank,False,False,False,0.006767,0.025793,SOA_2015_VBT,SOA_Scale_MP2023,2.42,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008459,0.015,False,,1.0,False,,,,0.05,0.0615,False,normal_rate,2.81,2.8,False,False,False,False,False,0.906,48.0,38.0,preferred_longevity,78.3,baseline,1.058,0.676,False,,False,,500000.0,49712.19,39744.72,45879.28,10896.33,False,0,2.13,-9.87
LI-2024-INS004-001836,2020-03-09,1,72,73,1948,female,never_smoker,29.6,60,151,PA,USA,married,bachelors,professional,84858.42,0.6499,simplified_issue,135,82,198,54,3.67,96,,False,76.1,,False,False,False,False,False,none,,none,none,none,2,False,True,False,False,False,preferred,,,False,False,False,False,28,UW-031,0.8,term_life,500000,annual,2149.16,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.026283,0.027953,SOA_2015_VBT,SOA_Scale_MP2023,0.844,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00549,1.0,False,,,,0.1,0.118,False,normal_rate,3.05,1.89,False,False,False,False,False,0.859,19.4,18.4,standard_longevity,49.8,baseline,1.013,0.707,False,,False,,500000.0,16723.29,14235.45,15817.82,4358.5,False,0,1.58,22.26
LI-2024-INS004-001837,2024-11-21,1,58,59,1966,female,never_smoker,31.6,67,201,MO,USA,married,less_than_hs,heavy_blue_collar,77836.84,0.3368,non_med_guaranteed,145,94,207,47,4.4,126,9.3,False,104.4,,False,True,False,False,True,breast,14.7,type_2,none,none,9,False,False,False,False,True,substandard_table_8,1.48,8.0,False,False,False,False,17,UW-344,3.0,term_life,1000000,semi_annual,16821.1,20.0,none,,,,True,quota_share,bank,False,False,False,0.008972,0.054919,SOA_2015_VBT,SOA_Scale_MP2023,3.304,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017943,0.015,False,,1.0,False,,,,0.1,0.1431,False,normal_rate,2.56,2.81,False,False,False,False,False,0.894,35.4,34.4,preferred_longevity,69.2,baseline,1.247,0.25,False,,False,,1000000.0,137275.83,139852.81,134568.8,31960.09,False,0,0.31,-20.0
LI-2024-INS004-001838,2002-06-17,8,42,50,1960,male,never_smoker,26.7,61,141,NY,USA,married,bachelors,professional,43837.83,0.7741,full_paramedical,129,97,177,48,3.69,128,5.0,False,90.5,6.21,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-484,1.5,term_life,500000,monthly,3572.12,15.0,none,,,,False,none,bank,False,False,False,0.004969,0.009416,SOA_2015_VBT,SOA_Scale_MP2023,1.517,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002485,0.015,False,,1.0,False,,,,0.05,0.054,False,normal_rate,3.05,0.91,False,False,False,True,False,0.942,48.3,40.3,super_preferred_longevity,84.6,baseline,0.919,0.719,False,,False,,500000.0,30894.8,24950.73,28576.96,6787.03,False,0,2.21,10.7
LI-2024-INS004-001839,2000-05-22,9,33,42,1967,female,never_smoker,25.9,69,175,FL,USA,married,bachelors,white_collar,20683.48,0.5677,full_paramedical,124,69,210,58,3.62,93,5.6,False,91.0,,True,False,False,False,False,none,,none,none,schizophrenia,20,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-168,2.25,universal_life,500000,semi_annual,3552.01,,15yr_declining,3215.75,,,False,none,bank,False,False,False,0.002366,0.009018,SOA_2015_VBT,SOA_Scale_MP2023,2.385,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.015,False,,1.0,False,,,,0.06,0.0336,False,normal_rate,3.86,1.11,False,False,False,False,False,0.832,61.5,52.5,super_preferred_longevity,99.8,baseline,1.074,0.544,False,,False,,496784.25,25991.98,28377.95,28416.08,6748.82,False,0,0.64,-8.64
LI-2024-INS004-001840,2003-05-13,8,29,37,1974,female,current_smoker,36.8,59,182,SD,USA,widowed,some_college,light_blue_collar,32659.53,0.3781,full_paramedical,129,71,200,48,4.17,92,5.1,True,104.6,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,26,UW-378,1.75,term_life,100000,quarterly,495.75,15.0,none,,,,False,none,employer_group,False,False,False,0.003415,0.010619,SOA_2015_VBT,SOA_Scale_MP2023,1.94,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002561,0.018,False,,1.0,False,,,,0.05,0.0839,False,normal_rate,3.16,1.5,False,False,False,False,False,0.935,66.1,55.0,super_preferred_longevity,100.0,baseline,1.216,0.508,False,,True,0.134,100000.0,4025.15,3734.43,3966.0,941.92,False,0,1.32,-5.1
LI-2024-INS004-001841,2018-04-08,5,25,30,1993,male,current_smoker,28.3,64,164,MI,USA,single,bachelors,professional,110096.85,0.5526,full_paramedical,109,69,205,62,3.31,93,5.1,True,107.8,,False,False,True,False,False,none,,none,none,schizophrenia,20,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,7,UW-155,2.75,term_life,100000,monthly,664.0,20.0,none,,,,False,none,employer_group,False,False,False,0.00292,0.014486,SOA_2015_VBT,SOA_Scale_MP2023,2.958,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00511,0.022,False,,1.0,False,,,,0.07,0.1057,False,normal_rate,3.92,2.21,False,False,False,False,False,0.887,70.0,55.0,super_preferred_longevity,100.0,baseline,1.086,0.599,False,,False,,100000.0,4978.51,5482.49,5312.0,1261.6,False,0,1.26,-20.0
LI-2024-INS004-001842,2009-06-16,5,78,83,1931,female,never_smoker,24.4,65,146,WY,USA,married,some_college,professional,100791.18,0.612,full_paramedical,152,80,245,72,3.4,82,4.9,False,83.9,,False,False,False,False,False,none,,none,none,bipolar,3,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-396,2.0,indexed_ul,250000,monthly,3427.54,,10yr_declining,2521.45,,,False,none,captive_agent,False,False,False,0.060588,0.202248,SOA_2015_VBT,SOA_Scale_MP2023,2.246,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.060588,0.005,False,,1.0,False,,,,0.08,0.0436,False,normal_rate,2.39,2.9,False,False,False,False,False,0.894,10.5,5.5,sub_standard_longevity,29.9,baseline,1.041,0.698,False,,False,,247478.55,7877.51,7139.81,7540.59,10488.27,False,0,1.86,-10.84
LI-2024-INS004-001843,2006-05-12,2,72,74,1934,female,former_smoker,26.3,61,139,CA,USA,married,some_college,professional,30264.84,0.4335,full_paramedical,129,85,257,48,5.35,93,,False,70.0,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-485,1.25,whole_life,1000000,annual,8019.16,,none,5113.93,,,True,coinsurance,bank,True,False,False,0.036592,0.065767,SOA_2015_VBT,SOA_Scale_MP2023,1.317,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009148,0.005,False,,1.0,False,,,,0.04,0.0541,False,normal_rate,4.12,2.39,False,False,False,False,True,0.909,16.2,14.2,standard_longevity,40.3,baseline,1.175,0.501,True,33.8,False,,994886.07,47775.61,46696.36,45548.83,18957.29,False,0,2.93,8.63
LI-2024-INS004-001844,2009-11-02,2,25,27,1984,female,never_smoker,27.9,64,162,TN,USA,married,graduate,light_blue_collar,69344.94,0.7397,full_paramedical,119,72,176,50,3.52,107,5.6,False,78.1,,False,False,False,True,False,none,,none,none,anxiety,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,41,UW-450,2.5,whole_life,500000,monthly,3237.52,,none,2169.9,,,False,none,captive_agent,True,False,False,0.001023,0.003962,SOA_2015_VBT,SOA_Scale_MP2023,2.51,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001535,0.02,False,,1.0,False,,,,0.04,0.0443,False,normal_rate,3.07,1.58,False,False,False,False,False,0.974,70.0,65.1,super_preferred_longevity,100.0,baseline,0.945,0.811,True,85.0,False,,497830.1,27822.0,22558.15,25900.16,6151.29,False,0,1.82,-16.65
LI-2024-INS004-001845,2017-04-14,7,23,30,1994,male,current_smoker,33.7,67,215,OH,USA,married,high_school,heavy_blue_collar,32780.38,0.5625,limited_exam,120,72,188,45,4.18,105,5.6,True,107.3,,False,False,True,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_6,1.03,6.0,False,False,False,False,30,UW-383,2.5,term_life,250000,monthly,1363.44,10.0,none,,,,False,none,employer_group,False,False,False,0.00292,0.012303,SOA_2015_VBT,SOA_Scale_MP2023,2.517,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00438,0.022,False,,1.0,False,,,,0.05,0.075,False,normal_rate,2.14,1.68,False,False,False,False,False,0.805,70.0,54.4,super_preferred_longevity,100.0,baseline,1.078,0.611,True,29.9,False,,250000.0,11751.27,9869.51,10907.52,2590.54,False,0,1.32,-20.0
LI-2024-INS004-001846,2004-08-18,17,68,85,1936,male,never_smoker,33.7,64,196,WY,USA,single,graduate,heavy_blue_collar,80336.03,0.7982,full_paramedical,130,78,225,42,5.36,105,4.6,False,53.8,16.11,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,0.63,5.0,False,False,False,False,13,UW-431,2.25,indexed_ul,1000000,quarterly,18132.18,,15yr_declining,22033.29,,,True,none,employer_group,False,False,False,0.092152,0.302826,SOA_2015_VBT,SOA_Scale_MP2023,2.259,other,True,2007-05-03,False,False,179218.48,0.0007,5e-05,1.095,0.11519,0.005,False,,1.0,False,,,,0.04,0.0509,False,normal_rate,5.04,1.71,False,False,False,False,False,0.861,18.0,1.0,sub_standard_longevity,26.0,baseline,0.901,0.795,True,34.2,False,,977966.71,7383.14,7480.98,7252.87,62012.06,False,0,1.48,-13.68
LI-2024-INS004-001847,2024-07-24,1,51,52,1973,male,former_smoker,35.9,75,287,MN,USA,married,some_college,professional,27746.42,0.7371,full_paramedical,135,84,222,33,6.73,98,4.4,False,83.6,1.03,False,False,True,False,False,none,,none,none,schizophrenia,4,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,22,UW-115,2.25,whole_life,2000000,semi_annual,19645.99,,none,12443.37,,,True,none,independent_broker,False,False,False,0.00817,0.028628,SOA_2015_VBT,SOA_Scale_MP2023,2.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010212,0.018,False,,1.0,False,,,,0.06,0.0666,False,normal_rate,6.46,1.11,False,False,False,False,False,0.891,44.3,43.3,super_preferred_longevity,98.5,baseline,0.947,0.651,False,,False,,1987556.63,169099.55,133919.05,157167.92,37327.38,False,0,2.11,-12.49
LI-2024-INS004-001848,2014-12-02,5,30,35,1984,male,never_smoker,32.4,61,171,NJ,USA,divorced,high_school,heavy_blue_collar,48076.6,0.2769,full_paramedical,115,72,237,65,3.65,122,5.6,False,82.8,,False,False,False,False,False,none,,none,none,bipolar,4,False,True,False,False,False,substandard_table_4,0.54,4.0,False,False,False,False,15,UW-387,2.0,whole_life,500000,semi_annual,2928.92,,none,2237.36,,,False,none,bank,True,False,False,0.001896,0.006893,SOA_2015_VBT,SOA_Scale_MP2023,2.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.02,False,,1.0,False,,,,0.04,0.0828,False,normal_rate,4.07,2.34,True,False,False,False,False,0.9,62.3,55.0,super_preferred_longevity,99.2,baseline,1.292,0.337,False,,False,,497762.64,22136.01,20565.29,23431.36,5564.95,False,0,2.34,-12.92
LI-2024-INS004-001849,2017-12-09,4,21,25,1996,female,never_smoker,26.8,61,141,NM,USA,married,graduate,white_collar,103456.39,0.5209,full_paramedical,124,80,172,75,2.29,99,,False,105.1,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-280,2.0,term_life,500000,monthly,2281.29,15.0,none,,,,False,none,captive_agent,False,False,False,0.000946,0.0032,SOA_2015_VBT,SOA_Scale_MP2023,2.147,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000946,0.022,False,,1.0,False,,,,0.07,0.0898,False,normal_rate,6.2,2.7,False,False,False,False,False,0.845,70.0,55.0,super_preferred_longevity,100.0,baseline,1.109,0.553,False,,False,,500000.0,16976.36,17887.98,18250.32,4334.45,False,0,2.57,-8.02
LI-2024-INS004-001850,2012-06-12,3,33,36,1979,female,unknown,31.3,68,205,NV,USA,married,some_college,light_blue_collar,95580.15,0.7163,full_paramedical,142,95,234,55,4.25,133,5.6,False,81.8,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-431,1.5,whole_life,500000,monthly,2435.25,,none,1591.51,,,False,none,captive_agent,False,False,False,0.001849,0.003737,SOA_2015_VBT,SOA_Scale_MP2023,1.58,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000925,0.018,False,,1.0,False,,,,0.04,0.0451,False,normal_rate,3.8,1.02,False,False,False,False,False,0.867,64.2,68.8,super_preferred_longevity,100.0,baseline,0.963,0.665,True,100.0,False,,498408.49,19430.76,19322.6,19482.0,4626.98,False,0,3.23,13.33
LI-2024-INS004-001851,2002-10-03,17,70,87,1932,female,former_smoker,22.3,71,160,WV,USA,married,high_school,professional,20000.0,0.8457,full_paramedical,137,87,228,47,4.85,86,,False,,,False,True,True,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-070,1.25,whole_life,2000000,quarterly,20759.9,,none,24393.03,,,True,quota_share,independent_broker,True,False,False,0.111294,0.165893,SOA_2015_VBT,SOA_Scale_MP2023,1.433,cardiovascular,True,2018-11-15,False,False,98034.46,0.0007,5e-05,1.095,0.027823,0.005,False,,1.0,False,,,,0.015,0.0154,False,normal_rate,2.97,2.19,False,False,False,True,False,0.771,22.6,5.6,standard_longevity,43.6,baseline,0.866,0.736,False,,False,,1975606.97,47393.88,42601.24,46502.18,63359.21,False,0,0.79,13.04
LI-2024-INS004-001852,2015-03-16,4,33,37,1982,female,never_smoker,18.1,67,115,TN,USA,married,bachelors,light_blue_collar,287999.51,0.2617,non_med_guaranteed,105,61,213,63,3.38,100,,False,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,16,UW-057,0.7,term_life,500000,annual,959.99,25.0,none,,,,False,none,employer_group,False,False,False,0.001707,0.00138,SOA_2015_VBT,SOA_Scale_MP2023,0.62,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.1753,False,normal_rate,4.43,0.74,False,False,False,False,False,0.904,62.9,55.0,super_preferred_longevity,98.9,baseline,1.304,0.417,False,,False,,500000.0,6988.73,7015.73,7679.92,1823.98,False,0,2.43,23.62
LI-2024-INS004-001853,2010-07-17,10,39,49,1971,male,never_smoker,34.4,74,267,ID,USA,married,high_school,heavy_blue_collar,62249.5,0.7139,full_paramedical,131,86,172,41,4.2,78,4.8,False,78.2,1.64,False,False,False,True,False,none,,none,none,schizophrenia,8,False,False,False,False,True,substandard_table_6,1.19,6.0,False,False,False,False,49,UW-499,2.5,term_life,250000,quarterly,2511.15,15.0,none,,,,False,none,employer_group,False,False,False,0.004956,0.019572,SOA_2015_VBT,SOA_Scale_MP2023,2.539,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007434,0.018,False,,1.0,False,,,,0.05,0.0677,False,normal_rate,4.64,1.85,False,False,False,False,False,0.993,52.9,50.7,super_preferred_longevity,99.3,baseline,0.965,0.56,True,84.8,False,,250000.0,21615.2,18002.04,20089.2,4771.18,False,0,-1.75,-11.47
LI-2024-INS004-001854,2008-04-08,19,77,96,1931,female,former_smoker,32.1,58,153,TN,USA,divorced,high_school,hazardous,73632.87,0.4354,full_paramedical,140,98,207,45,4.6,91,5.2,False,38.8,,False,False,False,False,True,breast,3.5,none,none,none,6,False,False,False,True,True,substandard_table_4,3.82,4.0,True,False,False,False,35,UW-345,2.0,term_life,1000000,monthly,14959.75,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.230292,0.797246,SOA_2015_VBT,SOA_Scale_MP2023,2.098,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.230292,0.005,False,,1.0,False,,,,0.03,0.0568,False,normal_rate,4.6,1.72,False,False,False,False,False,0.823,10.8,1.0,sub_standard_longevity,20.5,baseline,1.173,0.412,False,,False,,1000000.0,5443.1,5726.61,5983.9,51162.35,False,0,3.76,-6.75
LI-2024-INS004-001855,2022-04-25,1,65,66,1957,male,former_smoker,28.2,60,144,MA,USA,married,some_college,light_blue_collar,68470.96,0.5951,full_paramedical,149,103,179,53,3.38,91,,False,,4.14,True,True,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,22,UW-412,2.0,whole_life,100000,annual,1166.65,,none,713.83,,,False,none,captive_agent,False,False,False,0.024143,0.079037,SOA_2015_VBT,SOA_Scale_MP2023,2.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024143,0.012,True,0.00361,1.0,False,,,,0.06,0.0734,False,normal_rate,5.44,1.5,False,False,False,False,False,0.974,23.9,23.1,standard_longevity,56.1,baseline,1.054,0.631,True,35.6,False,,99286.17,9281.43,8320.9,9333.2,2216.64,False,0,-1.85,-5.44
LI-2024-INS004-001856,2015-10-25,12,64,76,1951,female,never_smoker,24.7,71,176,KS,USA,married,bachelors,hazardous,24186.74,0.6831,non_med_guaranteed,145,96,172,73,2.36,87,5.2,False,91.2,,False,False,False,False,False,none,,none,none,none,17,False,False,False,False,False,substandard_table_2,4.47,2.0,True,False,False,False,9,UW-281,1.5,whole_life,250000,monthly,2192.9,,none,2113.05,,,False,none,direct_to_consumer,False,False,False,0.033066,0.070484,SOA_2015_VBT,SOA_Scale_MP2023,1.652,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016533,0.012,False,,1.0,False,,,,0.015,0.0242,False,normal_rate,2.41,1.44,False,False,False,False,False,0.995,28.3,16.3,standard_longevity,47.2,baseline,0.988,0.626,True,33.8,False,,247886.95,13641.22,13135.76,14297.71,4815.61,False,0,1.28,3.15
LI-2024-INS004-001857,2011-07-04,16,54,70,1957,female,never_smoker,27.4,71,196,OK,USA,married,bachelors,hazardous,58674.4,0.8001,full_paramedical,142,97,211,49,4.31,102,5.5,False,86.0,,False,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,3.92,6.0,True,False,False,False,36,UW-034,2.5,whole_life,100000,quarterly,1631.92,,none,1982.65,,,False,none,direct_to_consumer,False,False,False,0.021047,0.081538,SOA_2015_VBT,SOA_Scale_MP2023,2.638,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031571,0.012,False,,1.0,False,,,,0.015,0.0223,False,normal_rate,3.46,1.93,False,False,False,False,False,0.768,39.7,23.7,preferred_longevity,60.1,baseline,0.9,0.801,False,,False,,98017.35,11854.81,12779.64,13055.36,3100.65,False,0,-0.09,-11.35
LI-2024-INS004-001858,2016-05-08,3,66,69,1950,male,never_smoker,33.4,65,200,MD,USA,married,some_college,heavy_blue_collar,56429.32,0.6115,simplified_issue,131,73,213,43,4.95,108,5.2,False,,8.0,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,1.24,,False,False,False,False,10,UW-363,0.98,term_life,500000,semi_annual,2857.77,20.0,none,,,,False,none,independent_broker,False,False,False,0.022157,0.021366,SOA_2015_VBT,SOA_Scale_MP2023,0.926,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0848,False,normal_rate,3.14,2.18,False,False,False,False,False,0.915,21.9,18.9,standard_longevity,50.0,baseline,1.041,0.653,False,,False,,500000.0,19669.92,19531.29,21604.74,5681.25,False,0,1.34,12.76
LI-2024-INS004-001859,2015-08-19,3,33,36,1982,female,former_smoker,33.1,66,205,OH,USA,married,high_school,heavy_blue_collar,227390.2,0.7005,simplified_issue,132,66,216,35,6.17,113,4.3,False,84.5,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,0.65,2.0,False,False,False,False,5,UW-248,1.5,term_life,100000,monthly,410.06,10.0,none,,,,True,quota_share,bank,False,False,False,0.00209,0.004135,SOA_2015_VBT,SOA_Scale_MP2023,1.517,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001045,0.02,False,,1.0,False,,,,0.07,0.0798,False,normal_rate,3.45,1.19,False,False,False,False,False,0.902,64.7,55.0,super_preferred_longevity,100.0,baseline,0.975,0.697,False,,False,,100000.0,3523.83,3040.53,3280.48,779.11,False,0,3.82,2.81
LI-2024-INS004-001860,2010-01-08,3,18,21,1992,female,never_smoker,25.8,65,154,IL,USA,single,some_college,light_blue_collar,46624.69,0.8774,simplified_issue,102,62,195,46,4.24,86,5.9,False,105.5,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,34,UW-066,2.25,whole_life,100000,monthly,445.69,,none,304.23,,,False,none,direct_to_consumer,False,False,False,0.000829,0.002659,SOA_2015_VBT,SOA_Scale_MP2023,2.327,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001036,0.022,False,,1.0,False,,,,0.04,0.0559,False,normal_rate,2.42,0.65,False,False,False,False,False,0.912,70.0,59.1,super_preferred_longevity,100.0,baseline,0.842,1.0,True,56.2,False,,99695.77,3331.86,3251.63,3565.52,846.81,False,0,3.7,-16.57
LI-2024-INS004-001861,2013-04-04,2,60,62,1953,male,never_smoker,22.0,62,120,AL,USA,married,some_college,professional,75736.25,0.9186,full_paramedical,128,81,200,60,3.33,99,5.2,False,,3.55,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,28,UW-424,0.65,term_life,2000000,semi_annual,6427.79,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.012529,0.006168,SOA_2015_VBT,SOA_Scale_MP2023,0.607,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0676,False,normal_rate,5.65,1.32,False,False,False,False,False,0.929,29.6,27.6,preferred_longevity,67.7,baseline,0.811,0.815,False,,False,,2000000.0,56021.65,50635.79,51422.32,12212.8,False,0,6.07,26.59
LI-2024-INS004-001862,2000-06-16,17,22,39,1978,male,never_smoker,32.9,76,270,NM,USA,married,less_than_hs,heavy_blue_collar,67891.44,0.4981,non_med_guaranteed,139,91,238,57,4.18,118,5.4,False,98.1,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,0.79,1.0,False,False,False,False,12,UW-006,1.25,whole_life,500000,annual,1835.21,,none,2243.89,,,False,none,independent_broker,False,False,False,0.002419,0.004178,SOA_2015_VBT,SOA_Scale_MP2023,1.311,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000605,0.018,False,,1.0,False,,,,0.015,0.0195,False,normal_rate,2.87,0.5,False,False,False,False,False,0.767,70.0,53.0,super_preferred_longevity,99.5,baseline,1.126,0.568,False,,False,,497756.11,15928.76,14622.76,14681.68,3486.9,False,0,5.72,3.67
LI-2024-INS004-001863,2023-04-14,1,21,22,2002,female,never_smoker,20.8,72,153,SD,USA,single,bachelors,professional,25493.94,0.5791,simplified_issue,110,69,231,80,2.89,84,,False,105.5,,False,False,False,False,False,none,,none,none,none,17,False,False,False,False,False,preferred_plus,,,False,False,False,False,29,UW-442,0.61,term_life,500000,quarterly,635.23,20.0,none,,,,False,none,captive_agent,False,False,False,0.000854,0.000545,SOA_2015_VBT,SOA_Scale_MP2023,0.599,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2026-01-08,replacement,1.0,0.1,0.1237,False,normal_rate,2.71,1.39,False,False,False,False,False,0.829,70.0,57.6,super_preferred_longevity,100.0,baseline,1.066,0.548,True,48.4,False,,500000.0,5502.56,4747.35,5081.84,1206.94,False,0,4.77,23.14
LI-2024-INS004-001864,2017-12-06,9,42,51,1975,female,current_smoker,40.0,72,294,NV,USA,single,less_than_hs,white_collar,134962.59,0.1829,simplified_issue,146,84,191,49,3.9,116,5.8,True,91.7,,False,False,True,False,False,none,,pre_diabetes,none,schizophrenia,2,False,False,False,False,True,substandard_table_7,,7.0,False,False,False,False,21,UW-253,2.75,whole_life,500000,semi_annual,6084.3,,none,5436.57,,,False,none,direct_to_consumer,False,False,False,0.009282,0.054013,SOA_2015_VBT,SOA_Scale_MP2023,2.986,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016243,0.018,False,,1.0,True,2025-06-29,non_payment,9.0,0.02,0.0435,False,normal_rate,3.45,1.32,False,False,False,False,False,0.771,55.4,48.1,super_preferred_longevity,97.4,baseline,1.363,0.286,True,45.1,False,,494563.43,49963.24,50327.37,48674.4,11560.17,False,0,0.95,-20.0
LI-2024-INS004-001865,2005-03-23,12,40,52,1965,female,never_smoker,26.9,67,172,NY,USA,married,some_college,light_blue_collar,138932.71,0.6183,full_paramedical,111,77,240,58,4.14,96,,False,103.9,,False,False,False,False,True,breast,4.6,none,none,none,5,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,42,UW-105,2.0,term_life,1000000,annual,8867.05,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.005027,0.016458,SOA_2015_VBT,SOA_Scale_MP2023,2.194,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005027,0.015,False,,1.0,False,,,,0.03,0.0506,False,normal_rate,5.01,1.35,False,False,False,False,False,0.962,54.4,42.4,super_preferred_longevity,85.4,baseline,1.036,0.631,False,,False,,1000000.0,70473.08,69680.02,70936.4,16847.39,False,0,-1.04,-7.65
LI-2024-INS004-001866,2004-12-26,22,44,66,1960,female,never_smoker,30.8,62,168,NC,USA,married,high_school,heavy_blue_collar,95634.21,0.5915,accelerated_UW,132,87,194,37,5.24,96,,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,0.98,1.0,False,False,False,True,8,UW-110,1.25,term_life,250000,monthly,1934.63,20.0,none,,,,False,none,captive_agent,False,False,False,0.015173,0.027098,SOA_2015_VBT,SOA_Scale_MP2023,1.454,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003793,0.015,False,,1.0,False,,,,0.03,0.0368,False,normal_rate,2.11,1.52,False,False,False,False,False,0.922,49.6,27.3,preferred_longevity,62.3,baseline,1.056,0.637,True,29.1,False,,250000.0,16347.82,15921.33,15477.04,3675.8,False,0,-2.83,15.26
LI-2024-INS004-001867,2021-02-26,5,32,37,1989,male,former_smoker,20.3,69,137,SC,USA,married,some_college,professional,44254.98,0.853,full_paramedical,110,63,167,50,3.34,74,4.9,False,82.9,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-073,2.0,annuity_deferred,500000,annual,2720.38,,none,1978.17,,,False,none,bank,False,False,False,0.002774,0.010141,SOA_2015_VBT,SOA_Scale_MP2023,2.208,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002774,0.02,True,0.0021,1.0,False,,,,0.04,0.0407,False,normal_rate,2.21,1.34,False,False,False,False,False,0.901,63.4,61.9,super_preferred_longevity,100.0,baseline,0.86,0.976,True,70.3,False,,498021.83,23423.73,20568.53,21763.04,5168.72,False,0,1.63,-4.18
LI-2024-INS004-001868,2024-01-01,3,45,48,1979,male,never_smoker,23.7,64,138,ID,USA,married,bachelors,professional,140593.09,0.6113,full_paramedical,109,64,215,63,3.41,79,,True,,0.74,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,24,UW-133,0.84,term_life,1000000,annual,3208.27,20.0,none,,,,True,none,captive_agent,False,False,False,0.009175,0.008094,SOA_2015_VBT,SOA_Scale_MP2023,0.847,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0848,False,normal_rate,3.38,0.65,False,False,False,False,False,0.833,47.7,44.7,super_preferred_longevity,88.7,baseline,1.042,0.723,False,,False,,1000000.0,27767.05,25402.42,25666.16,6095.71,False,0,6.17,28.82
LI-2024-INS004-001869,2010-06-21,1,37,38,1973,male,never_smoker,26.8,73,202,AZ,USA,widowed,bachelors,professional,54960.96,0.5581,full_paramedical,121,69,281,54,5.2,114,,False,105.4,,True,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-439,1.25,whole_life,100000,semi_annual,409.48,,none,256.66,,,True,quota_share,captive_agent,False,False,False,0.00227,0.003637,SOA_2015_VBT,SOA_Scale_MP2023,1.25,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.018,False,,1.0,False,,,,0.06,0.0752,False,normal_rate,1.85,2.95,False,False,False,False,False,0.801,54.6,61.3,super_preferred_longevity,100.0,baseline,1.081,0.35,True,75.2,False,,99743.34,3437.86,2976.96,3275.84,778.01,False,0,0.7,7.63
LI-2024-INS004-001870,2002-03-18,12,64,76,1938,female,never_smoker,23.9,62,130,OH,USA,single,less_than_hs,professional,60431.45,0.3198,simplified_issue,136,83,246,45,5.47,83,5.8,False,,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-262,1.25,annuity_deferred,100000,annual,910.25,,none,911.78,,,False,none,worksite,False,False,False,0.034198,0.071813,SOA_2015_VBT,SOA_Scale_MP2023,1.468,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00855,0.005,False,,1.0,False,,,,0.01,0.0144,False,normal_rate,4.75,2.14,False,False,False,True,False,0.794,24.4,12.4,standard_longevity,35.9,baseline,1.26,0.424,False,,False,,99088.22,4254.52,4685.31,4514.84,2282.91,False,0,-1.35,9.34
LI-2024-INS004-001871,2021-09-21,3,41,44,1980,female,never_smoker,28.5,72,210,RI,USA,married,some_college,heavy_blue_collar,165293.57,0.8591,accelerated_UW,130,72,224,44,5.09,130,5.6,False,81.7,,False,False,False,True,False,none,,none,none,none,4,False,False,False,True,True,substandard_table_6,1.03,6.0,False,False,False,True,50,UW-280,2.5,indexed_ul,5000000,quarterly,50011.83,,15yr_declining,36242.07,13590.78,0.375,True,quota_share,independent_broker,False,False,False,0.002724,0.012127,SOA_2015_VBT,SOA_Scale_MP2023,2.616,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004087,0.02,True,0.00194,1.0,False,,,,0.08,0.0219,False,normal_rate,5.27,2.76,False,False,False,False,False,0.933,57.0,54.0,super_preferred_longevity,100.0,baseline,0.856,0.842,False,,False,,4963757.93,417140.8,367765.77,400094.64,95022.48,False,0,1.99,-14.71
LI-2024-INS004-001872,2002-06-12,5,69,74,1933,male,never_smoker,27.8,75,222,HI,USA,married,some_college,white_collar,55687.23,0.8405,non_med_guaranteed,117,72,204,71,2.87,89,5.7,False,,2.56,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,22,UW-098,0.68,term_life,1000000,annual,4166.99,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.035009,0.02125,SOA_2015_VBT,SOA_Scale_MP2023,0.698,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.07,0.1007,False,normal_rate,1.38,1.29,False,False,False,False,False,0.804,16.7,12.2,standard_longevity,43.4,baseline,0.87,0.713,True,45.9,False,,1000000.0,20628.15,19867.9,20334.91,10517.48,False,0,7.54,25.5
LI-2024-INS004-001873,2010-11-14,14,35,49,1975,male,former_smoker,28.7,73,217,ME,USA,single,graduate,heavy_blue_collar,112539.42,0.8274,full_paramedical,131,84,172,56,3.07,114,5.4,False,,5.16,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,1.0,5.0,False,False,False,False,3,UW-279,2.25,term_life,1000000,quarterly,9496.7,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.006443,0.021363,SOA_2015_VBT,SOA_Scale_MP2023,2.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008054,0.018,False,,1.0,False,,,,0.03,0.0311,False,normal_rate,4.03,1.45,False,False,False,False,False,0.758,58.0,45.0,super_preferred_longevity,92.4,baseline,0.879,0.841,True,40.9,False,,1000000.0,80717.25,66139.07,75973.6,18043.73,False,0,2.76,-2.94
LI-2024-INS004-001874,2011-01-21,2,49,51,1962,female,former_smoker,24.4,65,146,NH,USA,married,high_school,white_collar,33960.2,0.5361,full_paramedical,142,100,218,44,4.95,83,4.8,False,72.1,,False,False,False,True,False,none,,none,none,substance_use_disorder,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,31,UW-398,2.5,term_life,500000,quarterly,5373.76,15.0,none,,,,False,none,captive_agent,False,False,False,0.005766,0.025556,SOA_2015_VBT,SOA_Scale_MP2023,2.671,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008648,0.015,False,,1.0,False,,,,0.07,0.089,False,normal_rate,3.95,1.73,False,False,False,True,False,0.946,44.6,42.6,super_preferred_longevity,84.4,baseline,1.098,0.487,False,,False,,500000.0,39592.09,37512.85,42990.08,10210.14,False,0,1.46,-20.0
LI-2024-INS004-001875,2021-09-10,5,32,37,1989,male,never_smoker,28.2,63,159,ME,USA,divorced,less_than_hs,white_collar,20000.0,0.8692,full_paramedical,132,87,187,55,3.4,93,5.3,False,103.0,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-421,1.25,whole_life,250000,monthly,929.54,,none,663.21,,,False,none,independent_broker,False,False,False,0.002134,0.007203,SOA_2015_VBT,SOA_Scale_MP2023,1.472,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.02,True,0.00401,1.0,False,,,,0.04,0.0402,False,normal_rate,2.27,1.57,False,False,False,False,False,0.774,63.4,55.0,super_preferred_longevity,100.0,baseline,0.848,0.848,False,,False,,249336.79,7103.94,7524.76,7436.32,1766.13,False,0,1.28,17.0
LI-2024-INS004-001876,2017-07-04,3,79,82,1938,male,former_smoker,22.5,60,115,NE,USA,single,high_school,white_collar,303754.75,0.5559,accelerated_UW,129,78,186,49,3.8,100,5.6,False,81.2,7.22,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,22,UW-200,1.25,term_life,250000,monthly,2044.16,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.093563,0.171746,SOA_2015_VBT,SOA_Scale_MP2023,1.464,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023391,0.005,False,,1.0,True,2026-01-04,non_payment,3.0,0.07,0.0879,False,normal_rate,5.64,0.63,False,False,False,False,False,0.8,6.3,3.4,sub_standard_longevity,25.9,baseline,1.083,0.538,True,46.9,False,,250000.0,2974.23,2824.69,2780.06,6598.55,False,0,-0.85,9.72
LI-2024-INS004-001877,2000-02-12,20,54,74,1946,female,never_smoker,33.7,64,196,IA,USA,married,bachelors,heavy_blue_collar,415431.78,0.8044,full_paramedical,143,85,259,46,5.63,120,8.2,False,59.9,,True,False,False,False,False,none,,type_2,none,bipolar,4,True,False,True,False,True,substandard_table_5,4.53,5.0,True,False,False,False,67,UW-101,2.25,whole_life,1000000,semi_annual,12193.98,,none,16998.31,,,True,none,worksite,False,False,False,0.028226,0.092459,SOA_2015_VBT,SOA_Scale_MP2023,2.259,cancer,True,2014-07-03,False,False,1720681.96,0.0007,5e-05,1.095,0.035283,0.008,False,,1.0,False,,,,0.015,0.0158,False,normal_rate,3.2,1.44,False,False,False,False,False,0.99,37.8,17.8,standard_longevity,51.3,baseline,0.897,0.749,False,,False,,983001.69,78188.33,81561.84,86821.14,25314.7,False,0,-1.92,-6.19
LI-2024-INS004-001878,2004-06-12,8,28,36,1976,male,current_smoker,32.7,67,208,FL,USA,married,high_school,light_blue_collar,39166.93,0.7706,limited_exam,115,71,191,41,4.66,92,5.2,True,101.1,,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,3,UW-472,1.0,universal_life,500000,monthly,1725.59,,15yr_declining,1471.11,,,False,none,direct_to_consumer,False,False,False,0.00402,0.00391,SOA_2015_VBT,SOA_Scale_MP2023,1.055,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.041,False,normal_rate,1.67,0.54,False,False,False,False,False,0.84,64.9,55.0,super_preferred_longevity,100.0,baseline,0.922,0.69,False,,False,,498528.89,13879.32,12598.52,13804.72,3278.62,False,0,4.81,26.33
LI-2024-INS004-001879,2022-08-27,2,18,20,2004,female,never_smoker,23.8,65,142,DE,USA,married,bachelors,light_blue_collar,152315.53,0.3465,non_med_guaranteed,103,61,131,37,3.54,77,4.7,False,103.2,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-480,2.25,whole_life,100000,monthly,394.75,,none,271.4,,,False,none,independent_broker,False,False,False,0.000805,0.00587,SOA_2015_VBT,SOA_Scale_MP2023,2.271,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001007,0.012,True,0.0026,1.0,False,,,,0.04,0.0569,False,normal_rate,3.94,2.65,False,False,False,False,False,0.916,70.0,55.0,super_preferred_longevity,100.0,baseline,1.24,0.272,False,,False,,99728.6,3266.32,3100.62,3158.0,750.02,False,0,2.41,-9.85
LI-2024-INS004-001880,2008-06-22,17,45,62,1963,female,never_smoker,24.2,71,173,NJ,USA,married,some_college,white_collar,50000.51,0.2143,full_paramedical,154,97,171,43,3.98,68,,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,42,UW-041,1.5,term_life,1000000,quarterly,7294.01,15.0,none,,,,True,none,independent_broker,False,False,False,0.011241,0.030159,SOA_2015_VBT,SOA_Scale_MP2023,1.63,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00562,0.015,False,,1.0,False,,,,0.03,0.0459,False,normal_rate,3.07,1.86,False,False,False,False,False,0.751,47.5,30.5,preferred_longevity,61.5,baseline,1.339,0.434,False,,False,,1000000.0,62972.74,54629.07,58352.08,13858.62,False,0,1.2,-1.94
LI-2024-INS004-001881,2023-11-02,3,48,51,1975,female,never_smoker,15.5,69,105,AR,USA,single,bachelors,professional,24639.47,0.3959,limited_exam,109,70,194,49,3.96,60,5.4,False,104.3,,False,False,True,False,False,none,,none,none,bipolar,3,False,False,True,False,True,declined,,,False,False,True,False,51,UW-468,7.0,term_life,2000000,annual,63204.88,10.0,none,,,,True,quota_share,worksite,False,False,False,0.004641,0.065855,SOA_2015_VBT,SOA_Scale_MP2023,6.808,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027845,0.018,False,,1.0,False,,,,0.07,0.0968,False,normal_rate,5.68,1.4,False,False,False,False,False,0.994,50.3,56.5,super_preferred_longevity,100.0,baseline,1.203,0.469,True,87.6,False,,2000000.0,539602.54,483776.72,505639.04,120089.27,False,0,-5.0,-20.0
LI-2024-INS004-001882,2006-10-20,12,46,58,1960,male,never_smoker,27.1,66,167,NM,USA,single,high_school,white_collar,51119.3,0.7542,full_paramedical,135,80,251,52,4.83,113,5.0,False,,3.15,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,preferred,,,False,False,False,False,4,UW-051,0.84,whole_life,500000,quarterly,2332.71,,none,2397.06,,,False,none,captive_agent,True,False,False,0.009557,0.00742,SOA_2015_VBT,SOA_Scale_MP2023,0.831,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.015,0.0164,False,normal_rate,3.27,2.75,False,False,False,False,False,0.788,44.2,34.4,preferred_longevity,75.4,baseline,0.934,0.594,True,54.5,False,,497602.94,19985.38,16955.13,18661.68,4432.15,False,0,5.59,23.67
LI-2024-INS004-001883,2022-10-12,3,45,48,1977,female,current_smoker,30.6,68,201,VT,USA,divorced,high_school,white_collar,53242.08,0.5371,full_paramedical,125,77,246,54,4.56,114,,True,89.6,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-284,1.5,term_life,250000,annual,1515.46,10.0,none,,,,False,none,independent_broker,False,False,False,0.00734,0.022273,SOA_2015_VBT,SOA_Scale_MP2023,1.687,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00367,0.018,True,0.00502,1.0,False,,,,0.07,0.0889,False,normal_rate,2.37,2.18,False,False,False,False,False,0.785,54.1,51.1,super_preferred_longevity,100.0,baseline,1.097,0.557,False,,False,,250000.0,12913.96,11853.47,12123.68,2879.37,False,0,3.24,4.62
LI-2024-INS004-001884,2012-01-22,12,44,56,1968,male,current_smoker,24.6,68,161,NV,USA,married,high_school,white_collar,20000.0,0.5903,full_paramedical,147,95,211,61,3.46,71,4.7,True,89.1,2.08,False,False,False,False,False,none,,none,mild_gold_1,depression,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-256,2.0,term_life,250000,annual,2023.74,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.017437,0.056005,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017437,0.015,False,,1.0,False,,,,0.03,0.0368,False,normal_rate,4.91,0.86,False,False,False,False,False,0.915,46.8,34.8,preferred_longevity,73.6,baseline,1.057,0.445,False,,False,,250000.0,15845.56,13979.36,16189.92,3845.11,False,0,-2.02,-1.19
LI-2024-INS004-001885,2000-11-04,9,75,84,1925,male,never_smoker,17.8,75,142,VA,USA,single,high_school,white_collar,84798.37,0.3798,non_med_guaranteed,142,92,204,76,2.68,86,5.7,False,71.3,20.0,False,False,False,True,False,none,,none,none,anxiety,6,True,False,False,False,True,substandard_table_6,3.47,6.0,True,False,False,False,47,UW-200,2.5,whole_life,1000000,semi_annual,16794.62,,none,14341.18,12849.7,0.896,True,coinsurance,independent_broker,False,False,False,0.060371,0.290095,SOA_2015_VBT,SOA_Scale_MP2023,2.72,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.090556,0.012,False,,1.0,False,,,,0.02,0.0168,False,normal_rate,4.77,1.73,False,False,False,False,False,0.936,8.2,1.0,sub_standard_longevity,19.7,baseline,1.215,0.442,False,,False,,985658.82,6801.4,6979.05,6717.85,57437.6,False,0,-0.67,-20.0
LI-2024-INS004-001886,2001-11-15,16,23,39,1978,male,never_smoker,29.9,73,226,PA,USA,divorced,high_school,white_collar,41812.58,0.1801,full_paramedical,110,74,199,53,3.75,88,5.5,False,93.6,,False,False,False,False,False,none,,none,none,none,1,False,True,False,False,False,preferred,,,False,False,False,False,6,UW-242,0.81,whole_life,250000,annual,684.84,,none,777.84,,,False,none,independent_broker,False,True,False,0.002419,0.002566,SOA_2015_VBT,SOA_Scale_MP2023,0.777,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0233,False,normal_rate,2.12,2.56,False,False,False,False,False,0.885,67.9,51.9,super_preferred_longevity,93.1,baseline,1.365,0.108,False,,False,,249222.16,5961.02,5693.01,5478.72,1301.2,False,0,3.79,15.5
LI-2024-INS004-001887,2020-08-02,3,27,30,1993,female,unknown,23.3,58,111,VT,USA,married,high_school,professional,20000.0,0.8805,full_paramedical,127,75,156,65,2.4,89,,False,,,True,False,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,31,UW-067,2.0,term_life,250000,annual,1108.97,15.0,none,,,,True,none,direct_to_consumer,False,False,False,0.001343,0.006795,SOA_2015_VBT,SOA_Scale_MP2023,2.038,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001343,0.022,True,0.00315,1.0,False,,,,0.07,0.0976,False,normal_rate,2.5,2.05,False,False,False,False,False,0.995,70.0,59.8,super_preferred_longevity,100.0,baseline,0.84,1.0,True,60.3,False,,250000.0,9005.58,8383.5,8871.76,2107.04,False,0,1.51,-9.3
LI-2024-INS004-001888,2015-12-03,7,79,86,1936,male,never_smoker,33.2,64,193,CO,USA,married,bachelors,heavy_blue_collar,51112.17,0.5199,full_paramedical,142,81,231,35,6.6,94,5.4,False,69.2,15.47,False,True,False,False,False,none,,none,none,bipolar,5,False,False,False,True,True,substandard_table_4,1.13,4.0,False,False,False,False,54,UW-462,2.0,whole_life,1000000,quarterly,15607.33,,none,12110.44,,,True,facultative,independent_broker,False,False,False,0.100328,0.341447,SOA_2015_VBT,SOA_Scale_MP2023,2.165,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.100328,0.005,False,,1.0,False,,,,0.02,0.0257,False,normal_rate,4.8,2.15,False,False,False,False,False,0.892,5.9,1.1,sub_standard_longevity,21.9,baseline,1.11,0.558,True,62.7,False,,987889.56,7010.64,6373.11,6867.23,53252.21,False,0,0.37,-3.83
LI-2024-INS004-001889,2002-08-20,21,29,50,1973,female,current_smoker,24.9,66,154,LA,USA,single,high_school,white_collar,79192.56,0.7324,full_paramedical,124,75,235,53,4.43,73,5.2,True,64.2,,False,True,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,23,UW-151,2.75,term_life,250000,monthly,3213.18,20.0,none,,,,False,none,bank,False,False,False,0.008575,0.038037,SOA_2015_VBT,SOA_Scale_MP2023,2.825,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015006,0.018,False,,1.0,False,,,,0.03,0.0334,False,normal_rate,2.65,0.61,False,False,False,False,False,0.941,67.3,46.3,super_preferred_longevity,92.9,baseline,0.951,0.718,False,,False,,250000.0,24329.86,24685.3,25705.44,6105.04,False,0,3.02,-20.0
LI-2024-INS004-001890,2006-05-23,6,42,48,1964,male,current_smoker,29.5,68,193,OH,USA,married,bachelors,professional,34516.52,0.3357,full_paramedical,114,66,255,43,5.93,94,,True,,1.82,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,22,UW-097,1.75,term_life,100000,monthly,644.32,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.009037,0.027692,SOA_2015_VBT,SOA_Scale_MP2023,1.854,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006778,0.015,False,,1.0,False,,,,0.05,0.0716,False,normal_rate,4.66,2.98,False,False,False,False,False,0.885,47.1,40.2,preferred_longevity,77.8,baseline,1.248,0.285,True,26.0,False,,100000.0,4783.63,4610.2,5154.56,1224.21,False,0,0.45,1.32
LI-2024-INS004-001891,2024-09-09,3,76,79,1948,male,never_smoker,19.3,64,112,OK,USA,married,high_school,professional,32811.88,0.7517,accelerated_UW,134,82,234,52,4.5,92,,False,64.6,3.26,False,True,False,True,False,none,,none,none,none,10,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,True,47,UW-305,2.5,term_life,100000,quarterly,1511.14,20.0,none,,,,False,none,captive_agent,False,False,False,0.055444,0.225032,SOA_2015_VBT,SOA_Scale_MP2023,2.733,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.083166,0.008,False,,1.0,False,,,,0.07,0.3774,False,normal_rate,2.85,2.37,False,False,False,True,False,0.877,11.8,8.8,standard_longevity,37.0,baseline,0.936,0.775,False,,False,,100000.0,5694.42,4958.84,5319.21,4225.15,False,0,-1.08,-13.42
LI-2024-INS004-001892,2014-07-16,1,38,39,1976,female,former_smoker,27.2,72,200,KY,USA,married,bachelors,professional,20000.0,0.5619,full_paramedical,138,77,239,48,4.98,64,4.9,False,73.8,,True,False,True,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-036,2.25,universal_life,250000,monthly,1598.66,,10yr_declining,963.52,,,False,none,bank,False,False,False,0.002516,0.009927,SOA_2015_VBT,SOA_Scale_MP2023,2.499,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003145,0.018,False,,1.0,False,,,,0.12,0.0675,False,normal_rate,3.92,1.77,False,False,False,False,False,0.825,61.1,62.8,super_preferred_longevity,100.0,baseline,1.079,0.399,True,74.6,False,,249036.48,11787.99,12158.72,12789.28,3037.45,False,0,3.31,-5.37
LI-2024-INS004-001893,2011-11-24,4,74,78,1937,female,never_smoker,30.8,58,147,NE,USA,divorced,bachelors,light_blue_collar,125401.47,0.6722,full_paramedical,135,80,241,61,3.95,60,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,18,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-382,2.25,whole_life,1000000,annual,13726.51,,none,9814.99,,,True,none,bank,False,False,False,0.040507,0.144261,SOA_2015_VBT,SOA_Scale_MP2023,2.321,cancer,True,2013-10-20,True,False,1206002.52,0.0007,5e-05,1.095,0.050634,0.005,False,,1.0,False,,,,0.04,0.0465,False,normal_rate,4.37,1.64,False,False,False,False,False,0.946,15.6,11.6,standard_longevity,40.0,baseline,0.996,0.68,False,,False,,990185.01,66252.93,62981.66,63691.01,35304.58,False,0,2.79,-15.26
LI-2024-INS004-001894,2019-09-27,2,28,30,1991,female,current_smoker,21.8,66,134,MD,USA,married,graduate,white_collar,20000.0,0.4499,limited_exam,130,82,177,54,3.28,87,,True,95.8,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-234,1.5,term_life,500000,monthly,2014.61,20.0,none,,,,False,none,captive_agent,False,False,False,0.002336,0.005385,SOA_2015_VBT,SOA_Scale_MP2023,1.553,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001168,0.022,False,,1.0,False,,,,0.07,0.0938,False,normal_rate,2.41,0.94,False,False,False,False,False,0.883,70.0,55.0,super_preferred_longevity,100.0,baseline,1.163,0.481,False,,False,,500000.0,17689.37,14601.14,16116.88,3827.76,False,0,3.36,7.2
LI-2024-INS004-001895,2023-12-09,2,19,21,2004,male,never_smoker,17.5,76,143,VT,USA,married,graduate,professional,376024.15,0.4542,simplified_issue,110,83,196,58,3.38,77,,False,91.6,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-060,0.78,universal_life,5000000,quarterly,5996.09,,10yr_declining,3979.82,,,True,quota_share,captive_agent,False,False,False,0.001036,0.000905,SOA_2015_VBT,SOA_Scale_MP2023,0.754,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0481,False,normal_rate,3.56,1.24,False,False,False,False,False,0.83,70.0,55.0,super_preferred_longevity,100.0,baseline,1.159,0.516,False,,False,,4996020.18,52558.76,41899.5,47968.72,11392.57,False,0,3.48,20.68
LI-2024-INS004-001896,2010-07-11,15,22,37,1988,male,former_smoker,16.8,68,110,MT,USA,single,less_than_hs,heavy_blue_collar,64388.02,0.8768,full_paramedical,134,76,132,73,1.81,81,5.2,False,91.0,,False,False,True,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,1.19,1.0,False,False,False,False,20,UW-176,1.25,term_life,1000000,monthly,3473.35,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.002774,0.004101,SOA_2015_VBT,SOA_Scale_MP2023,1.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000694,0.02,False,,1.0,False,,,,0.03,0.03,False,normal_rate,3.61,2.16,False,True,False,False,False,0.814,70.0,55.0,super_preferred_longevity,100.0,baseline,0.842,1.0,False,,False,,1000000.0,26075.88,24680.96,27786.8,6599.36,False,0,5.85,15.22
LI-2024-INS004-001897,2008-10-05,11,55,66,1953,female,former_smoker,22.6,67,144,MO,USA,married,graduate,white_collar,54062.06,0.4491,accelerated_UW,121,72,208,34,6.12,60,,False,77.7,,True,False,False,True,False,none,,none,none,none,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,27,UW-202,2.5,universal_life,2000000,annual,25560.71,,10yr_declining,25382.27,,,True,none,independent_broker,False,False,False,0.018404,0.083669,SOA_2015_VBT,SOA_Scale_MP2023,2.619,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027605,0.012,False,,1.0,False,,,,0.04,0.1478,True,normal_rate,5.01,2.18,False,False,False,False,False,0.825,36.7,25.3,standard_longevity,57.2,baseline,1.163,0.531,False,,True,-0.282,1974617.73,223613.76,174123.98,204485.68,48565.35,False,0,-2.73,-20.0
LI-2024-INS004-001898,2022-09-24,2,68,70,1954,female,former_smoker,23.9,61,126,MT,USA,married,some_college,white_collar,175673.59,0.8022,full_paramedical,131,79,245,45,5.44,105,5.3,False,96.0,,False,False,False,True,False,none,,none,none,bipolar,2,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-140,2.5,term_life,2000000,monthly,29978.34,20.0,none,,,,True,none,captive_agent,False,False,False,0.026388,0.10422,SOA_2015_VBT,SOA_Scale_MP2023,2.583,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039583,0.012,True,0.00341,1.0,False,,,,0.07,0.0741,False,normal_rate,4.11,0.85,False,False,False,False,False,0.884,25.3,23.3,standard_longevity,59.5,baseline,0.898,0.701,True,33.1,False,,2000000.0,232463.46,250566.26,239826.72,56958.85,False,0,0.99,-12.48
LI-2024-INS004-001899,2015-01-26,4,34,38,1981,male,former_smoker,26.9,60,137,NE,USA,married,bachelors,light_blue_collar,71449.15,0.6817,limited_exam,128,73,165,64,2.58,107,5.4,False,,,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-359,2.25,whole_life,1000000,monthly,7105.54,,none,5193.13,,,True,quota_share,independent_broker,False,False,False,0.002951,0.010439,SOA_2015_VBT,SOA_Scale_MP2023,2.313,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003689,0.02,False,,1.0,False,,,,0.04,0.2144,False,normal_rate,5.65,1.98,False,False,False,True,False,0.835,59.5,58.0,super_preferred_longevity,100.0,baseline,0.989,0.764,True,50.7,False,,994806.87,52982.01,57278.25,56844.32,13500.53,False,0,3.19,-10.94
LI-2024-INS004-001900,2013-02-07,8,35,43,1978,male,former_smoker,28.1,69,190,CT,USA,widowed,some_college,professional,44407.14,0.8135,full_paramedical,102,67,225,49,4.59,79,5.2,False,,1.5,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,10,UW-049,0.81,term_life,100000,annual,313.4,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.004122,0.00281,SOA_2015_VBT,SOA_Scale_MP2023,0.766,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,True,2025-12-25,voluntary_surrender,8.0,0.05,0.0734,False,normal_rate,4.43,2.08,False,False,False,False,False,0.97,58.4,55.8,super_preferred_longevity,100.0,baseline,0.89,0.832,True,65.6,False,,100000.0,2620.53,2527.66,2507.2,595.46,False,0,2.39,21.18
LI-2024-INS004-001901,2002-09-01,17,78,95,1924,male,former_smoker,16.8,68,110,WY,USA,divorced,bachelors,heavy_blue_collar,92920.05,0.7178,full_paramedical,140,76,238,64,3.72,99,5.2,False,56.3,15.79,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,1.46,1.0,False,False,False,False,26,UW-132,1.25,indexed_ul,250000,annual,2473.42,,15yr_declining,3021.35,,,True,none,captive_agent,False,False,False,0.192471,0.282812,SOA_2015_VBT,SOA_Scale_MP2023,1.268,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048118,0.012,False,,1.0,False,,,,0.04,0.045,False,normal_rate,1.93,1.98,False,False,False,False,False,0.837,6.4,1.0,sub_standard_longevity,24.8,baseline,0.962,0.658,False,,False,,246978.65,960.76,958.72,989.37,8459.1,False,0,3.69,12.37
LI-2024-INS004-001902,2000-12-27,26,59,85,1941,male,former_smoker,27.3,69,184,WV,USA,single,bachelors,professional,44709.64,0.3913,limited_exam,118,75,247,56,4.41,94,5.6,False,,7.74,True,False,False,True,False,none,,none,none,none,21,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,45,UW-288,2.5,term_life,100000,annual,1759.98,15.0,none,,,,False,none,captive_agent,False,False,False,0.114251,0.520542,SOA_2015_VBT,SOA_Scale_MP2023,2.533,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.171376,0.008,False,,1.0,False,,,,0.03,0.0416,False,normal_rate,4.77,1.8,False,False,False,False,False,0.861,26.4,1.0,sub_standard_longevity,19.9,baseline,1.207,0.406,False,,False,,100000.0,757.44,684.76,703.99,6019.13,False,0,-3.33,-20.0
LI-2024-INS004-001903,2002-04-21,12,23,35,1979,female,current_smoker,26.2,72,193,WV,USA,divorced,less_than_hs,light_blue_collar,56051.46,0.3509,full_paramedical,127,82,225,52,4.33,100,5.1,True,74.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,9,UW-019,1.0,whole_life,1000000,annual,3287.64,,none,3391.37,,,True,none,direct_to_consumer,False,False,False,0.003034,0.003805,SOA_2015_VBT,SOA_Scale_MP2023,1.014,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0298,False,normal_rate,3.89,1.63,False,False,False,False,False,0.799,70.0,55.0,super_preferred_longevity,100.0,baseline,1.237,0.43,False,,False,,996608.63,24451.09,26333.1,26301.12,6246.52,False,0,4.69,15.05
LI-2024-INS004-001904,2018-09-06,1,48,49,1970,male,never_smoker,34.0,68,223,OR,USA,married,high_school,professional,119930.72,0.2751,full_paramedical,121,76,201,43,4.67,88,5.0,False,67.2,2.07,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,18,UW-028,0.97,term_life,500000,monthly,1738.88,15.0,none,,,,False,none,independent_broker,False,False,False,0.004956,0.006065,SOA_2015_VBT,SOA_Scale_MP2023,0.946,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.2072,False,normal_rate,3.27,2.68,False,False,False,False,False,0.996,42.0,45.2,super_preferred_longevity,84.4,baseline,1.294,0.372,True,64.3,False,,500000.0,14035.0,13835.36,13911.04,3303.87,False,0,3.09,21.12
LI-2024-INS004-001905,2012-02-23,12,27,39,1985,male,never_smoker,24.2,70,169,OR,USA,single,bachelors,white_collar,31881.7,0.7594,full_paramedical,125,83,152,53,2.87,113,,False,72.7,,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-265,2.25,term_life,100000,monthly,680.44,30.0,none,,,,False,none,bank,False,False,False,0.002419,0.008524,SOA_2015_VBT,SOA_Scale_MP2023,2.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003024,0.02,False,,1.0,False,,,,0.03,0.0328,False,normal_rate,4.62,2.44,False,False,False,False,False,0.993,67.4,55.0,super_preferred_longevity,100.0,baseline,0.93,0.825,False,,False,,100000.0,5148.09,5013.07,5443.52,1292.84,False,0,-1.67,-12.92
LI-2024-INS004-001906,2013-04-26,9,25,34,1988,male,never_smoker,25.9,69,175,MD,USA,married,graduate,professional,55565.43,0.7528,accelerated_UW,98,64,161,54,2.98,86,5.4,False,,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard,,,False,False,False,True,6,UW-351,1.01,term_life,100000,annual,278.02,10.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001792,0.001773,SOA_2015_VBT,SOA_Scale_MP2023,1.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,1.8e-05,0.02,False,,1.0,False,,,,0.05,0.0768,False,normal_rate,3.22,2.31,False,False,False,False,False,0.754,69.8,55.0,super_preferred_longevity,100.0,baseline,0.935,0.774,False,,False,,100000.0,2158.18,2044.73,2224.16,528.24,False,0,3.04,20.86
LI-2024-INS004-001907,2009-02-25,18,38,56,1971,female,never_smoker,33.0,70,229,LA,USA,married,high_school,heavy_blue_collar,62759.77,0.6617,full_paramedical,128,80,194,44,4.41,100,6.1,False,66.3,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,1.35,1.0,False,False,False,False,15,UW-280,1.25,indexed_ul,250000,monthly,1278.65,,15yr_declining,1560.24,,,False,none,captive_agent,True,False,False,0.006975,0.010586,SOA_2015_VBT,SOA_Scale_MP2023,1.263,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001744,0.018,False,,1.0,False,,,,0.04,0.0468,False,normal_rate,2.74,2.76,False,False,False,False,False,0.878,60.7,42.7,super_preferred_longevity,96.5,baseline,1.004,0.792,False,,False,,248439.76,10197.35,9002.79,10229.2,2429.44,False,0,6.07,14.99
LI-2024-INS004-001908,2013-03-10,14,38,52,1975,female,never_smoker,28.8,62,157,DE,USA,married,some_college,professional,141812.1,0.7525,full_paramedical,131,76,273,48,5.69,96,,False,,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-251,1.25,whole_life,100000,monthly,498.82,,none,537.56,,,False,none,direct_to_consumer,False,False,False,0.005027,0.007311,SOA_2015_VBT,SOA_Scale_MP2023,1.287,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001257,0.018,False,,1.0,False,,,,0.015,0.0231,False,normal_rate,1.92,0.62,False,False,False,False,False,0.85,58.7,44.7,super_preferred_longevity,90.8,baseline,0.936,0.652,False,,False,,99462.44,3996.02,4176.72,3990.56,947.76,False,0,2.81,12.69
LI-2024-INS004-001909,2006-10-03,20,30,50,1976,male,never_smoker,23.0,67,146,SD,USA,single,graduate,professional,38754.93,0.7953,limited_exam,104,63,200,57,3.51,80,,False,71.8,2.97,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-107,2.25,term_life,1000000,monthly,9683.58,25.0,none,,,,True,none,captive_agent,False,False,False,0.005359,0.017614,SOA_2015_VBT,SOA_Scale_MP2023,2.254,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.018,False,,1.0,False,,,,0.03,0.0319,False,normal_rate,1.16,1.63,False,False,False,False,False,0.827,63.0,43.0,super_preferred_longevity,88.9,baseline,0.904,0.886,False,,False,,1000000.0,83369.85,65930.66,77468.64,18398.8,False,0,-2.46,-9.04
LI-2024-INS004-001910,2019-12-09,2,61,63,1958,female,never_smoker,31.4,67,200,MT,USA,married,high_school,white_collar,111077.03,0.7895,full_paramedical,133,85,219,39,5.62,86,5.7,False,,,True,False,False,False,False,none,,none,none,none,12,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-401,1.25,term_life,1000000,semi_annual,6486.07,25.0,none,,,,True,none,direct_to_consumer,False,False,False,0.011602,0.018385,SOA_2015_VBT,SOA_Scale_MP2023,1.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002901,0.012,False,,1.0,False,,,,0.07,0.1047,False,normal_rate,3.94,0.97,False,False,False,False,False,0.939,32.8,35.7,preferred_longevity,77.9,baseline,0.908,0.751,True,79.3,False,,1000000.0,52493.92,50776.93,51888.56,12323.53,False,0,4.27,12.5
LI-2024-INS004-001911,2016-04-17,5,18,23,1998,male,never_smoker,27.4,66,170,NE,USA,married,some_college,white_collar,103156.32,0.3786,full_paramedical,105,65,212,38,5.58,106,5.6,False,,,False,False,False,False,False,none,,none,none,depression,16,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-469,1.25,annuity_deferred,250000,quarterly,665.14,,none,516.28,,,True,quota_share,independent_broker,True,False,False,0.001103,0.001984,SOA_2015_VBT,SOA_Scale_MP2023,1.274,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000276,0.022,False,,1.0,False,,,,0.04,0.0559,False,normal_rate,4.93,1.02,False,False,False,False,False,0.979,70.0,55.0,super_preferred_longevity,100.0,baseline,1.216,0.46,False,,False,,249483.72,5614.4,4840.24,5321.12,1263.77,False,0,-0.43,11.37
LI-2024-INS004-001912,2012-03-08,5,58,63,1954,non_binary,never_smoker,27.4,65,164,KY,USA,married,bachelors,professional,238934.46,0.7128,limited_exam,122,75,257,63,4.08,83,5.7,False,87.6,,True,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,7,UW-107,0.84,group_life,500000,annual,2216.53,,none,,,,False,none,employer_group,False,False,False,0.012437,0.009101,SOA_2015_VBT,SOA_Scale_MP2023,0.758,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.15,0.2034,False,normal_rate,4.26,2.74,False,False,False,False,False,0.815,33.9,32.7,super_preferred_longevity,82.2,baseline,0.965,0.752,True,72.5,False,,500000.0,18141.59,16067.95,17732.24,4211.41,False,0,3.35,21.45
LI-2024-INS004-001913,2003-12-18,14,61,75,1942,female,never_smoker,24.5,64,142,NC,USA,single,less_than_hs,light_blue_collar,45896.23,0.5006,full_paramedical,126,83,215,44,4.89,98,,False,71.1,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,31,UW-222,1.25,universal_life,500000,semi_annual,3375.11,,10yr_declining,3663.76,,,False,none,independent_broker,False,False,False,0.029829,0.052507,SOA_2015_VBT,SOA_Scale_MP2023,1.343,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007457,0.008,False,,1.0,False,,,,0.04,0.052,False,normal_rate,2.35,2.67,False,False,False,False,False,0.752,28.9,14.9,standard_longevity,42.4,baseline,1.125,0.478,False,,False,,496336.24,22116.91,19564.34,20115.66,7789.75,False,0,0.73,14.75
LI-2024-INS004-001914,2009-07-06,17,80,97,1929,male,never_smoker,24.8,61,131,AL,USA,married,bachelors,heavy_blue_collar,90636.29,0.0863,accelerated_UW,118,73,194,62,3.13,103,5.2,False,54.7,20.0,True,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_1,1.47,1.0,False,False,False,True,17,UW-018,1.25,universal_life,100000,semi_annual,906.32,,15yr_declining,1065.58,,,False,none,captive_agent,False,False,False,0.183612,0.407471,SOA_2015_VBT,SOA_Scale_MP2023,1.372,cancer,True,2010-11-23,True,True,1452300.66,0.0007,5e-05,1.095,0.045903,0.012,False,,1.0,False,,,,0.04,0.0652,False,normal_rate,2.81,0.94,False,False,False,False,False,0.955,5.0,1.0,sub_standard_longevity,15.3,baseline,1.435,0.188,False,,False,,98934.42,349.37,327.75,362.53,3099.61,False,0,6.5,6.2
LI-2024-INS004-001915,2022-10-11,1,43,44,1979,male,former_smoker,24.4,75,194,NH,USA,widowed,graduate,professional,121781.54,0.5139,full_paramedical,111,66,194,48,4.04,60,4.9,False,88.5,1.37,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-368,0.82,term_life,2000000,monthly,6387.06,20.0,none,,,,True,none,captive_agent,True,False,False,0.004427,0.007078,SOA_2015_VBT,SOA_Scale_MP2023,0.773,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00326,1.0,False,,,,0.1,0.1289,False,normal_rate,3.18,2.3,False,False,False,False,False,0.829,49.3,48.3,super_preferred_longevity,92.7,baseline,1.115,0.422,False,,False,,2000000.0,54754.69,53581.25,51096.48,12135.41,False,0,3.21,22.8
LI-2024-INS004-001916,2014-11-25,11,77,88,1937,female,never_smoker,19.0,61,100,NJ,USA,divorced,high_school,hazardous,50983.89,0.3413,accelerated_UW,140,101,243,56,4.34,96,4.4,False,77.5,,True,False,False,False,False,none,,none,none,bipolar,3,False,False,False,True,True,substandard_table_4,4.55,4.0,True,False,False,True,31,UW-206,2.0,term_life,100000,quarterly,1538.28,25.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.095483,0.354312,SOA_2015_VBT,SOA_Scale_MP2023,2.179,neurological,True,2019-06-21,False,False,1003892.06,0.0007,5e-05,1.095,0.095483,0.005,False,,1.0,False,,,,0.03,0.0428,False,normal_rate,2.75,3.0,False,False,False,False,False,0.84,11.3,2.1,sub_standard_longevity,20.8,baseline,1.244,0.403,False,,True,0.73,100000.0,1163.41,1311.02,1292.16,5125.55,False,0,1.4,-12.15
LI-2024-INS004-001917,2024-05-17,1,67,68,1957,male,current_smoker,24.2,71,173,MA,USA,divorced,some_college,white_collar,117939.37,0.6677,full_paramedical,121,78,259,32,8.09,109,5.8,True,81.4,3.43,False,True,False,False,False,none,,none,mild_gold_1,none,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-365,2.25,universal_life,500000,monthly,6237.98,,15yr_declining,4202.54,,,False,none,bank,False,False,False,0.044197,0.155981,SOA_2015_VBT,SOA_Scale_MP2023,2.281,other,True,2024-10-02,True,False,148030.43,0.0007,5e-05,1.095,0.055246,0.012,False,,1.0,False,,,,0.12,0.063,False,normal_rate,1.63,1.37,False,False,False,False,False,0.87,22.2,19.9,standard_longevity,52.4,baseline,0.999,0.759,True,12.1,False,,495797.46,50014.56,48522.22,49654.32,11902.07,False,0,-2.14,-19.41
LI-2024-INS004-001918,2020-01-04,2,29,31,1991,female,former_smoker,22.4,67,143,OR,USA,married,graduate,light_blue_collar,55379.95,0.5555,full_paramedical,120,66,189,53,3.57,77,,False,93.9,,True,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-437,2.0,whole_life,500000,quarterly,2251.82,,none,1420.77,,,False,none,direct_to_consumer,False,False,False,0.001593,0.006507,SOA_2015_VBT,SOA_Scale_MP2023,2.108,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001593,0.022,True,0.00128,1.0,False,,,,0.04,0.0703,False,normal_rate,4.31,1.75,False,False,False,False,False,0.767,69.6,55.0,super_preferred_longevity,100.0,baseline,1.083,0.582,False,,False,,498579.23,19402.52,18311.22,18014.56,4278.46,False,0,1.19,-9.0
LI-2024-INS004-001919,2017-05-02,7,74,81,1943,female,former_smoker,28.9,65,173,NV,USA,single,some_college,light_blue_collar,20000.0,0.315,full_paramedical,121,75,195,56,3.48,94,4.8,False,78.2,,False,False,True,False,False,none,,none,none,anxiety,0,True,False,False,True,True,standard,2.28,,True,False,False,False,30,UW-063,1.04,annuity_immediate,1000000,monthly,6926.24,,none,,,,True,none,independent_broker,False,False,False,0.065877,0.091215,SOA_2015_VBT,SOA_Scale_MP2023,1.064,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002635,0.008,False,,1.0,False,,,,0.003,0.005,False,normal_rate,3.94,0.98,False,False,False,False,False,0.818,18.4,11.5,standard_longevity,44.5,baseline,1.264,0.293,True,35.8,False,,1000000.0,31750.4,28166.96,31860.7,17869.7,False,0,1.2,22.18
LI-2024-INS004-001920,2005-01-22,3,46,49,1959,male,never_smoker,29.3,66,181,SD,USA,divorced,some_college,hazardous,150392.39,0.6906,accelerated_UW,121,74,251,48,5.23,85,,False,,1.86,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,True,True,standard,4.86,,True,True,False,True,59,UW-019,1.0,universal_life,1000000,monthly,4195.38,,15yr_declining,2792.41,,,True,none,direct_to_consumer,False,False,False,0.00461,0.004667,SOA_2015_VBT,SOA_Scale_MP2023,1.031,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0578,False,normal_rate,5.75,2.97,False,False,False,False,False,0.964,43.6,40.6,super_preferred_longevity,83.8,baseline,0.982,0.765,False,,False,,997207.59,30241.68,33667.31,33563.04,7971.22,False,0,3.72,14.84
LI-2024-INS004-001921,2014-05-09,2,56,58,1958,male,former_smoker,27.1,67,173,NJ,USA,divorced,graduate,light_blue_collar,266327.98,0.5219,limited_exam,111,67,231,37,6.24,94,4.9,False,57.8,3.19,False,False,False,True,False,none,,none,none,depression,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,36,UW-400,2.5,term_life,250000,quarterly,3139.97,15.0,none,,,,False,none,worksite,False,False,False,0.012313,0.054615,SOA_2015_VBT,SOA_Scale_MP2023,2.648,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01847,0.012,False,,1.0,False,,,,0.07,0.0898,False,normal_rate,3.0,1.22,False,False,False,False,False,0.797,32.7,36.9,preferred_longevity,75.7,baseline,1.109,0.543,True,89.3,False,,250000.0,24316.58,25522.44,25119.76,5965.94,False,0,0.4,-17.53
LI-2024-INS004-001922,2024-02-10,2,43,45,1981,female,never_smoker,32.2,60,164,SC,USA,married,high_school,light_blue_collar,218470.98,0.1369,accelerated_UW,136,87,192,35,5.49,141,4.8,False,,,False,False,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,41,UW-024,2.5,term_life,1000000,monthly,9912.68,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.00293,0.015076,SOA_2015_VBT,SOA_Scale_MP2023,2.609,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004395,0.02,False,,1.0,True,2025-07-21,unknown,2.0,0.07,0.1559,False,normal_rate,1.53,0.51,False,False,False,False,False,0.916,52.3,50.3,super_preferred_longevity,90.0,baseline,1.397,0.158,False,,False,,1000000.0,73308.56,82125.39,79301.44,18834.09,False,0,0.0,-20.0
LI-2024-INS004-001923,2017-04-17,8,76,84,1941,female,unknown,38.0,61,200,ND,USA,married,some_college,professional,60039.91,0.6913,full_paramedical,143,97,246,38,6.47,75,5.9,False,,,True,False,False,False,False,none,,pre_diabetes,none,bipolar,1,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,48,UW-430,2.0,term_life,500000,monthly,6346.83,25.0,none,,,,False,none,captive_agent,False,False,False,0.074237,0.22514,SOA_2015_VBT,SOA_Scale_MP2023,2.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.074237,0.008,False,,1.0,False,,,,0.05,0.0573,False,normal_rate,3.12,2.49,False,False,False,False,False,0.858,14.6,6.6,sub_standard_longevity,32.8,baseline,0.982,0.545,False,,False,,500000.0,16142.97,15930.21,16755.63,18862.78,False,0,-2.15,-16.29
LI-2024-INS004-001924,2024-06-07,1,18,19,2006,male,never_smoker,33.5,62,183,MD,USA,single,bachelors,light_blue_collar,59481.75,0.7008,accelerated_UW,113,75,207,50,4.14,107,5.1,False,95.6,,False,True,False,False,True,prostate,1.9,none,none,none,4,False,False,False,False,True,standard,,,False,True,False,True,39,UW-252,1.0,term_life,1000000,quarterly,1395.7,30.0,none,,,,True,quota_share,employer_group,False,False,False,0.00098,0.001028,SOA_2015_VBT,SOA_Scale_MP2023,1.077,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.1,0.1367,False,normal_rate,5.28,1.36,False,False,False,False,False,0.755,70.0,57.8,super_preferred_longevity,100.0,baseline,0.974,0.569,True,49.5,False,,1000000.0,11090.34,10373.68,11165.6,2651.83,False,0,1.75,17.42
LI-2024-INS004-001925,2004-05-18,21,47,68,1957,female,never_smoker,24.8,65,149,AZ,USA,married,high_school,professional,37228.77,0.663,limited_exam,150,97,205,56,3.66,91,5.4,False,76.6,,False,False,True,True,False,none,,none,none,depression,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,24,UW-338,2.5,indexed_ul,1000000,annual,15554.51,,15yr_declining,22644.33,,,True,none,bank,False,False,False,0.017679,0.074081,SOA_2015_VBT,SOA_Scale_MP2023,2.683,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026518,0.012,False,,1.0,False,,,,0.04,0.0468,False,normal_rate,4.72,2.58,False,False,False,False,False,0.862,49.2,28.2,preferred_longevity,74.7,baseline,1.003,0.556,False,,False,,977355.67,125152.71,127651.57,124436.08,29553.57,False,0,0.72,-20.0
LI-2024-INS004-001926,2014-11-05,3,52,55,1962,female,never_smoker,24.1,70,168,NC,USA,married,some_college,light_blue_collar,49728.0,0.6133,full_paramedical,120,69,179,42,4.26,72,,False,74.1,,False,False,False,False,False,none,,none,none,depression,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-435,1.25,whole_life,1000000,annual,5669.07,,none,4032.38,,,True,facultative,independent_broker,False,False,False,0.006136,0.010532,SOA_2015_VBT,SOA_Scale_MP2023,1.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001534,0.015,False,,1.0,False,,,,0.04,0.0484,False,normal_rate,2.35,2.54,False,False,False,False,False,0.866,42.0,39.0,super_preferred_longevity,80.2,baseline,1.04,0.594,False,,False,,995967.62,47385.88,40246.22,45352.56,10771.23,False,0,2.72,7.29
LI-2024-INS004-001927,2016-02-13,4,25,29,1991,female,never_smoker,24.1,66,149,CT,USA,divorced,high_school,light_blue_collar,28475.93,0.7746,simplified_issue,105,74,182,41,4.44,81,5.2,False,,,True,False,True,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-118,2.25,term_life,250000,semi_annual,1233.71,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001115,0.003829,SOA_2015_VBT,SOA_Scale_MP2023,2.376,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001394,0.022,False,,1.0,False,,,,0.07,0.1059,False,normal_rate,4.46,2.43,False,False,False,False,False,0.864,70.0,55.0,super_preferred_longevity,100.0,baseline,0.919,0.837,False,,False,,250000.0,10034.19,9357.57,9869.68,2344.05,False,0,6.6,-9.09
LI-2024-INS004-001928,2013-08-10,7,54,61,1959,male,former_smoker,37.3,68,245,NY,USA,divorced,high_school,light_blue_collar,115880.78,0.8544,accelerated_UW,127,66,173,54,3.2,125,5.9,False,83.4,9.11,False,False,False,False,True,prostate,3.3,pre_diabetes,none,none,11,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,True,26,UW-054,2.0,term_life,250000,quarterly,2769.69,15.0,none,,,,False,none,independent_broker,False,False,False,0.016075,0.045631,SOA_2015_VBT,SOA_Scale_MP2023,2.14,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016075,0.012,False,,1.0,False,,,,0.05,0.0508,False,normal_rate,5.92,1.74,False,False,False,False,False,0.893,36.2,29.2,preferred_longevity,69.1,baseline,0.859,0.811,False,,False,,250000.0,22000.51,19323.98,22157.52,5262.41,False,0,-0.05,-5.29
LI-2024-INS004-001929,2018-12-03,2,53,55,1965,male,never_smoker,31.1,64,181,KS,USA,married,high_school,heavy_blue_collar,53900.8,0.6095,full_paramedical,140,89,205,75,2.73,134,4.9,False,79.4,1.43,False,False,False,False,False,none,,none,none,none,2,False,True,False,False,False,substandard_table_1,1.38,1.0,False,False,False,False,17,UW-039,1.25,group_life,500000,semi_annual,2781.57,,none,,,,False,none,independent_broker,False,False,False,0.008025,0.013364,SOA_2015_VBT,SOA_Scale_MP2023,1.357,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002006,0.015,False,,1.0,True,2025-05-22,replacement,2.0,0.15,0.1819,False,normal_rate,1.25,1.66,False,False,False,False,False,0.87,37.4,35.4,preferred_longevity,74.7,baseline,1.043,0.53,False,,False,,500000.0,22755.02,21424.88,22252.56,5284.98,False,0,4.66,17.79
LI-2024-INS004-001930,2013-08-03,5,62,67,1951,female,current_smoker,26.9,60,137,CT,USA,single,graduate,professional,20000.0,0.8727,accelerated_UW,145,99,179,55,3.25,65,5.1,True,83.5,,False,False,False,False,False,none,,none,none,depression,13,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,30,UW-121,2.0,term_life,250000,monthly,2799.77,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.030146,0.086499,SOA_2015_VBT,SOA_Scale_MP2023,2.211,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030146,0.012,False,,1.0,False,,,,0.07,0.0701,False,normal_rate,2.37,1.06,False,False,False,False,False,0.93,31.1,26.1,preferred_longevity,64.7,baseline,0.845,0.866,False,,False,,250000.0,20436.87,22485.58,22398.16,5319.56,False,0,0.62,-4.66
LI-2024-INS004-001931,2017-08-17,2,38,40,1979,female,current_smoker,31.8,61,168,OK,USA,married,some_college,light_blue_collar,40781.8,0.6308,limited_exam,133,72,166,63,2.63,103,5.4,True,94.7,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,7,UW-073,2.75,term_life,500000,monthly,4014.74,20.0,none,,,,False,none,worksite,False,False,False,0.004132,0.019304,SOA_2015_VBT,SOA_Scale_MP2023,2.845,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007231,0.018,False,,1.0,False,,,,0.07,0.0837,False,normal_rate,4.8,2.28,False,False,False,False,False,0.954,58.8,55.0,super_preferred_longevity,100.0,baseline,1.027,0.544,False,,False,,500000.0,30075.99,31682.08,32117.92,7628.01,False,0,-3.23,-20.0
LI-2024-INS004-001932,2018-06-13,2,56,58,1962,male,never_smoker,36.3,76,298,AZ,USA,single,bachelors,professional,48054.11,0.8974,limited_exam,137,77,308,44,7.0,117,5.1,False,,2.08,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-136,2.25,indexed_ul,500000,monthly,5842.89,,10yr_declining,3627.72,,,False,none,independent_broker,True,False,False,0.00985,0.032578,SOA_2015_VBT,SOA_Scale_MP2023,2.488,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012312,0.015,False,,1.0,False,,,,0.08,0.0354,False,normal_rate,3.65,2.14,False,False,False,True,False,0.803,35.1,33.1,preferred_longevity,75.6,baseline,0.827,0.803,False,,False,,496372.28,47970.41,43921.16,46743.12,11101.49,False,0,0.3,-10.49
LI-2024-INS004-001933,2014-05-10,11,39,50,1975,female,never_smoker,30.3,58,145,MN,USA,single,graduate,light_blue_collar,27272.16,0.3912,simplified_issue,140,102,235,32,7.34,85,,False,,,True,True,False,False,True,melanoma,5.5,none,none,none,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,44,UW-324,2.0,whole_life,500000,monthly,4701.66,,none,4664.51,,,False,none,independent_broker,False,False,False,0.004288,0.015767,SOA_2015_VBT,SOA_Scale_MP2023,2.219,cancer,True,2018-08-28,False,False,1249659.22,0.0007,5e-05,1.095,0.004288,0.018,False,,1.0,False,,,,0.015,0.0208,False,normal_rate,5.44,2.38,False,False,False,False,False,0.955,56.3,50.0,super_preferred_longevity,93.4,baseline,1.207,0.245,True,64.7,False,,495335.49,34767.48,38029.46,37613.28,8933.15,False,0,0.97,-9.55
LI-2024-INS004-001934,2007-09-15,18,37,55,1970,male,never_smoker,18.8,69,127,MT,USA,married,less_than_hs,white_collar,249695.92,0.3867,non_med_guaranteed,126,73,237,57,4.16,80,,False,73.3,2.57,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-492,2.25,term_life,1000000,quarterly,11031.37,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.008025,0.032589,SOA_2015_VBT,SOA_Scale_MP2023,2.323,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010032,0.018,False,,1.0,False,,,,0.03,0.0417,False,normal_rate,4.25,1.36,False,False,False,False,False,0.862,53.5,35.5,preferred_longevity,71.6,baseline,1.21,0.435,False,,False,,1000000.0,95284.99,85046.6,88250.96,20959.6,False,0,-0.21,-13.3
LI-2024-INS004-001935,2001-01-10,5,73,78,1928,female,current_smoker,26.5,65,159,SC,USA,married,bachelors,light_blue_collar,93371.21,0.5554,full_paramedical,139,83,224,49,4.57,78,5.4,True,,,True,False,False,False,False,none,,none,none,substance_use_disorder,14,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,11,UW-057,2.75,annuity_immediate,500000,annual,10033.78,,none,,,,False,none,worksite,False,False,False,0.059638,0.283414,SOA_2015_VBT,SOA_Scale_MP2023,2.771,neurological,True,2002-03-09,True,False,1126422.81,0.0007,5e-05,1.095,0.104366,0.012,False,,1.0,False,,,,0.005,0.0063,False,normal_rate,3.35,2.78,False,False,False,False,False,0.984,15.4,10.4,standard_longevity,36.4,baseline,1.083,0.508,False,,False,,500000.0,44244.05,36861.07,41740.52,26770.13,False,0,-1.64,-20.0
LI-2024-INS004-001936,2009-09-27,4,46,50,1963,male,former_smoker,21.6,69,146,NE,USA,divorced,high_school,professional,49436.83,0.7229,full_paramedical,117,79,229,63,3.63,93,,False,,1.64,True,False,False,False,False,none,,none,none,schizophrenia,4,True,False,False,False,False,substandard_table_5,2.75,5.0,True,False,False,False,3,UW-036,2.25,universal_life,100000,monthly,899.42,,15yr_declining,612.12,,,False,none,worksite,False,False,False,0.00676,0.024345,SOA_2015_VBT,SOA_Scale_MP2023,2.455,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00845,0.015,False,,1.0,False,,,,0.08,0.0404,False,normal_rate,3.46,2.97,False,False,False,False,False,0.8,44.5,40.5,super_preferred_longevity,84.1,baseline,0.958,0.779,False,,False,,99387.88,6833.11,6252.86,7195.36,1708.9,False,0,0.82,-3.79
LI-2024-INS004-001937,2017-01-20,5,57,62,1960,female,current_smoker,19.8,70,138,MO,USA,married,high_school,light_blue_collar,78631.62,0.7315,full_paramedical,132,80,131,57,2.3,78,5.5,True,55.2,,True,False,False,False,False,none,,none,severe_gold_3,depression,0,False,False,True,False,True,substandard_table_9,,9.0,False,False,False,False,44,UW-147,3.25,universal_life,100000,quarterly,1740.78,,10yr_declining,1323.78,,,False,none,captive_agent,False,False,False,0.021485,0.123481,SOA_2015_VBT,SOA_Scale_MP2023,3.676,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048342,0.015,False,,1.0,False,,,,0.08,0.0401,False,normal_rate,4.82,2.82,False,False,False,False,False,0.784,37.1,32.1,preferred_longevity,71.6,baseline,0.951,0.658,False,,False,,98676.22,13680.09,12747.31,13926.24,3307.48,False,0,-0.99,-20.0
LI-2024-INS004-001938,2004-08-08,15,30,45,1974,female,never_smoker,32.4,60,165,AZ,USA,married,high_school,white_collar,85405.92,0.6911,full_paramedical,128,72,257,43,5.98,74,4.9,False,64.0,,False,True,False,False,False,none,,none,none,schizophrenia,3,True,False,False,False,False,substandard_table_5,2.79,5.0,True,False,False,False,15,UW-260,2.25,term_life,2000000,monthly,15949.19,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.00293,0.010637,SOA_2015_VBT,SOA_Scale_MP2023,2.425,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.018,False,,1.0,False,,,,0.03,0.0344,False,normal_rate,2.57,0.68,False,False,False,False,False,0.886,66.3,51.3,super_preferred_longevity,99.8,baseline,0.982,0.805,False,,False,,2000000.0,129709.81,112399.6,127593.52,30303.46,False,0,3.6,-11.77
LI-2024-INS004-001939,2024-09-28,3,51,54,1973,male,unknown,15.0,61,90,WA,USA,single,high_school,heavy_blue_collar,20000.0,0.6016,full_paramedical,116,75,220,67,3.28,82,5.2,False,75.6,2.29,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,declined,,,False,False,True,False,23,UW-270,7.0,annuity_deferred,500000,semi_annual,14617.3,,none,9360.78,,,False,none,bank,False,False,False,0.008501,0.105568,SOA_2015_VBT,SOA_Scale_MP2023,6.12,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051005,0.018,False,,1.0,False,,,,0.04,0.0487,False,normal_rate,2.27,2.97,False,True,False,False,False,0.971,40.8,37.8,preferred_longevity,78.2,baseline,1.049,0.652,False,,False,,490639.22,118147.07,112020.84,116938.4,27772.87,False,0,-5.0,-20.0
LI-2024-INS004-001940,2018-08-25,1,18,19,2000,female,current_smoker,24.4,66,151,IL,USA,single,bachelors,hazardous,43020.38,0.6142,full_paramedical,123,82,192,61,3.15,72,,True,105.9,,True,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_7,4.43,7.0,True,False,False,False,6,UW-487,2.75,term_life,250000,semi_annual,1051.77,30.0,none,,,,False,none,employer_group,False,False,False,0.001568,0.007406,SOA_2015_VBT,SOA_Scale_MP2023,2.861,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002744,0.012,False,,1.0,False,,,,0.1,0.145,False,normal_rate,2.95,1.56,False,False,False,False,False,0.979,70.0,55.0,super_preferred_longevity,100.0,baseline,1.039,0.515,False,,False,,250000.0,9023.51,7547.27,8414.16,1998.36,False,0,-0.01,-20.0
LI-2024-INS004-001941,2024-06-17,2,43,45,1981,female,never_smoker,29.7,59,147,NH,USA,divorced,high_school,light_blue_collar,66421.84,0.9588,full_paramedical,112,75,184,41,4.49,105,4.6,False,95.4,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-179,2.0,term_life,500000,monthly,3504.0,30.0,none,,,,False,none,independent_broker,False,False,False,0.00293,0.007734,SOA_2015_VBT,SOA_Scale_MP2023,2.1,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00293,0.02,False,,1.0,False,,,,0.07,0.0653,False,normal_rate,4.04,1.62,False,False,False,False,False,0.796,55.6,54.1,super_preferred_longevity,100.0,baseline,0.781,0.941,True,36.6,False,,500000.0,26753.73,24708.26,28032.0,6657.6,False,0,2.19,-3.6
LI-2024-INS004-001942,2014-10-17,3,72,75,1942,female,never_smoker,23.4,61,123,GA,USA,single,less_than_hs,professional,101646.8,0.3988,full_paramedical,157,94,187,67,2.79,104,,False,,,False,False,True,True,False,none,,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-328,2.5,term_life,100000,monthly,1726.04,10.0,none,,,,True,quota_share,captive_agent,False,False,False,0.029829,0.137234,SOA_2015_VBT,SOA_Scale_MP2023,2.582,cancer,True,2016-02-23,True,False,380068.31,0.0007,5e-05,1.095,0.044743,0.008,False,,1.0,False,,,,0.07,0.0967,False,normal_rate,2.35,1.02,False,False,False,False,False,0.92,20.5,17.5,standard_longevity,54.7,baseline,1.201,0.416,False,,False,,100000.0,12776.09,10759.37,12082.28,3624.68,False,0,2.44,-20.0
LI-2024-INS004-001943,2002-03-01,19,64,83,1938,female,unknown,21.1,60,107,NH,USA,widowed,graduate,professional,110970.9,0.7917,full_paramedical,131,88,252,72,3.5,90,5.0,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,11,False,True,True,False,True,standard,,,False,True,False,False,50,UW-269,1.0,term_life,250000,annual,1537.49,20.0,none,,,,False,none,bank,False,False,False,0.072164,0.065659,SOA_2015_VBT,SOA_Scale_MP2023,1.004,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.032,False,normal_rate,4.11,2.0,False,False,False,False,False,0.776,26.3,8.1,standard_longevity,36.5,baseline,0.906,0.94,True,67.7,False,,250000.0,4612.58,4987.06,4981.47,4384.92,False,0,6.8,23.12
LI-2024-INS004-001944,2001-10-07,16,50,66,1951,female,former_smoker,28.2,72,207,VA,USA,married,some_college,light_blue_collar,35872.91,0.8758,full_paramedical,143,82,199,57,3.49,105,4.6,False,80.7,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-172,1.25,annuity_immediate,500000,quarterly,3712.52,,none,,,,False,none,bank,False,False,False,0.017965,0.025788,SOA_2015_VBT,SOA_Scale_MP2023,1.406,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004491,0.012,False,,1.0,False,,,,0.002,0.005,False,normal_rate,1.94,2.39,False,False,False,False,False,0.943,43.1,27.1,preferred_longevity,66.3,baseline,0.843,0.866,False,,False,,500000.0,31321.44,27604.54,29700.16,7053.79,False,0,2.38,9.43
LI-2024-INS004-001945,2000-02-16,10,57,67,1943,male,unknown,27.2,67,173,NY,USA,married,bachelors,light_blue_collar,20000.0,0.9149,full_paramedical,149,87,141,61,2.31,73,,False,80.8,5.12,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-379,1.5,annuity_deferred,1000000,annual,8127.06,,none,7574.16,,,True,none,direct_to_consumer,False,False,False,0.021501,0.039816,SOA_2015_VBT,SOA_Scale_MP2023,1.661,cardiovascular,True,2000-10-20,True,False,770506.99,0.0007,5e-05,1.095,0.010751,0.008,False,,1.0,False,,,,0.02,0.0271,False,normal_rate,0.0,2.12,False,False,False,False,False,0.754,30.7,20.7,standard_longevity,57.3,baseline,0.814,0.895,False,,False,,992425.84,65645.09,66094.13,65016.48,15441.41,False,0,-0.35,2.0
LI-2024-INS004-001946,2022-08-13,3,29,32,1993,female,former_smoker,26.6,64,154,CT,USA,married,high_school,professional,38671.12,0.6684,non_med_guaranteed,137,86,169,52,3.25,61,5.0,False,97.2,,False,False,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-128,1.25,annuity_immediate,500000,annual,1768.58,,none,,,,False,none,employer_group,False,False,False,0.001676,0.006846,SOA_2015_VBT,SOA_Scale_MP2023,1.465,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000419,0.022,True,0.00398,1.0,False,,,,0.005,0.007,False,normal_rate,3.89,2.02,False,False,False,False,False,0.791,70.0,55.9,super_preferred_longevity,100.0,baseline,0.999,0.673,True,38.8,False,,500000.0,15168.69,13589.67,14148.64,3360.3,False,0,2.32,11.81
LI-2024-INS004-001947,2001-11-04,12,38,50,1963,female,never_smoker,29.7,63,167,HI,USA,single,high_school,light_blue_collar,28781.43,0.7696,limited_exam,124,83,198,40,4.95,110,4.9,False,86.5,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-030,2.25,term_life,5000000,semi_annual,41531.53,20.0,none,,,,True,none,worksite,False,False,False,0.00416,0.013998,SOA_2015_VBT,SOA_Scale_MP2023,2.292,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0052,0.015,False,,1.0,False,,,,0.03,0.0325,False,normal_rate,2.34,2.31,False,False,False,False,False,0.99,56.7,49.4,super_preferred_longevity,98.1,baseline,0.923,0.935,True,65.0,False,,5000000.0,300463.16,307238.36,332252.24,78909.91,False,0,2.24,-5.12
LI-2024-INS004-001948,2016-01-09,9,40,49,1976,female,never_smoker,27.8,66,172,IN,USA,single,some_college,white_collar,50390.91,0.7384,full_paramedical,104,52,192,59,3.25,125,5.7,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-177,1.25,annuity_deferred,1000000,semi_annual,5211.19,,none,4342.65,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.003965,0.005973,SOA_2015_VBT,SOA_Scale_MP2023,1.328,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000991,0.018,False,,1.0,False,,,,0.02,0.0311,False,normal_rate,2.68,2.99,False,False,False,False,False,0.962,56.8,47.1,super_preferred_longevity,94.2,baseline,0.946,0.817,True,28.3,False,,995657.35,44857.33,42087.04,41689.52,9901.26,False,0,0.33,9.24
LI-2024-INS004-001949,2024-10-09,1,80,81,1944,female,current_smoker,30.7,69,207,WY,USA,divorced,bachelors,white_collar,55112.16,0.7068,full_paramedical,124,76,264,55,4.8,103,,True,,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,29,UW-180,2.5,term_life,1000000,monthly,16306.85,20.0,none,,,,True,none,worksite,False,False,False,0.102167,0.414257,SOA_2015_VBT,SOA_Scale_MP2023,2.634,cardiovascular,True,2025-06-15,True,False,1702370.81,0.0007,5e-05,1.095,0.15325,0.008,False,,1.0,False,,,,0.1,0.1135,False,normal_rate,3.0,0.86,False,False,False,False,False,0.835,11.1,10.1,standard_longevity,38.3,baseline,0.97,0.718,False,,False,,1000000.0,71585.0,65482.91,65879.67,43898.04,False,0,3.25,-16.3
LI-2024-INS004-001950,2016-09-14,2,54,56,1962,male,former_smoker,33.8,66,209,CO,USA,married,some_college,professional,56856.83,0.3674,full_paramedical,128,86,208,40,5.2,99,4.4,False,,2.51,False,False,False,False,True,prostate,9.9,none,none,anxiety,8,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,30,UW-348,1.25,term_life,250000,semi_annual,1510.52,15.0,none,,,,False,none,worksite,False,False,False,0.010832,0.02182,SOA_2015_VBT,SOA_Scale_MP2023,1.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002708,0.015,False,,1.0,False,,,,0.07,0.0984,False,normal_rate,3.96,2.42,False,False,False,False,False,0.981,35.0,33.7,preferred_longevity,68.6,baseline,1.224,0.289,False,,True,0.491,250000.0,13066.64,12571.38,12084.16,2869.99,False,0,2.46,8.72
LI-2024-INS004-001951,2023-12-20,3,69,72,1954,male,current_smoker,25.4,61,134,WY,USA,married,some_college,white_collar,103820.03,0.6443,full_paramedical,111,59,208,58,3.59,102,5.8,True,,5.59,False,False,True,False,False,none,,none,mild_gold_1,substance_use_disorder,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,23,UW-029,2.75,whole_life,5000000,monthly,71833.67,,none,46769.21,,,True,none,independent_broker,False,False,False,0.060434,0.275295,SOA_2015_VBT,SOA_Scale_MP2023,2.759,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.10576,0.012,False,,1.0,False,,,,0.04,0.1585,False,normal_rate,3.57,1.65,False,False,False,True,False,0.827,22.6,19.6,preferred_longevity,61.6,baseline,1.017,0.54,False,,False,,4953230.79,551830.13,587519.61,563175.97,138782.65,False,0,0.96,-20.0
LI-2024-INS004-001952,2022-10-02,5,25,30,1997,female,never_smoker,33.6,60,171,NE,USA,divorced,high_school,hazardous,75064.07,0.5353,limited_exam,132,74,238,59,4.03,92,6.3,False,104.5,,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,4.26,1.0,True,False,False,False,7,UW-425,1.25,whole_life,1000000,quarterly,2933.83,,none,2196.16,,,True,none,employer_group,False,False,False,0.001168,0.00577,SOA_2015_VBT,SOA_Scale_MP2023,1.495,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000292,0.022,True,0.00356,1.0,False,,,,0.04,0.061,False,normal_rate,3.49,1.38,False,False,False,False,False,0.959,70.0,55.0,super_preferred_longevity,100.0,baseline,1.099,0.468,False,,False,,997803.84,21918.5,23524.06,23470.64,5574.28,False,0,-0.43,8.31
LI-2024-INS004-001953,2003-02-05,11,33,44,1970,male,never_smoker,25.8,70,179,GA,USA,married,graduate,white_collar,122421.05,0.826,full_paramedical,105,64,211,52,4.06,104,4.6,False,75.9,2.39,True,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,17,UW-190,0.61,whole_life,250000,monthly,551.89,,none,500.23,,,False,none,independent_broker,False,False,False,0.003406,0.00185,SOA_2015_VBT,SOA_Scale_MP2023,0.617,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0156,False,normal_rate,4.51,1.13,False,False,False,False,False,0.89,59.2,48.2,super_preferred_longevity,97.2,baseline,0.881,0.782,False,,False,,249499.77,4722.54,4090.05,4415.12,1048.59,False,0,5.37,33.68
LI-2024-INS004-001954,2011-05-25,13,59,72,1952,male,current_smoker,25.6,68,168,MA,USA,single,some_college,light_blue_collar,138908.52,0.399,full_paramedical,145,90,215,39,5.51,92,5.5,True,60.9,2.72,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,18,UW-116,1.75,whole_life,1000000,quarterly,11637.36,,none,11609.67,,,True,none,captive_agent,False,False,False,0.058993,0.175361,SOA_2015_VBT,SOA_Scale_MP2023,1.851,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044244,0.012,False,,1.0,False,,,,0.015,0.0207,False,normal_rate,4.39,1.32,False,False,False,False,False,0.991,28.4,15.4,standard_longevity,41.6,baseline,1.201,0.435,False,,False,,988390.33,74025.6,61770.71,71686.14,26393.53,False,0,-0.06,-1.82
LI-2024-INS004-001955,2007-11-12,5,31,36,1976,male,never_smoker,31.3,74,243,OH,USA,divorced,bachelors,white_collar,76367.08,0.5517,simplified_issue,91,50,197,37,5.32,88,,False,108.7,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-055,2.25,universal_life,2000000,annual,13438.05,,10yr_declining,10367.66,6448.68,0.622,True,facultative,worksite,False,False,False,0.00201,0.007918,SOA_2015_VBT,SOA_Scale_MP2023,2.476,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002512,0.018,False,,1.0,False,,,,0.08,0.0272,False,normal_rate,4.14,0.93,False,False,False,False,False,0.893,61.0,55.0,super_preferred_longevity,100.0,baseline,1.086,0.595,False,,False,,1989632.34,101364.64,94979.34,107504.4,25532.29,False,0,3.12,-7.75
LI-2024-INS004-001956,2020-01-15,6,39,45,1981,female,never_smoker,29.6,66,183,WI,USA,single,some_college,light_blue_collar,100754.52,0.373,full_paramedical,131,78,175,43,4.07,103,4.9,False,85.7,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-306,2.25,group_life,250000,annual,2392.93,,none,,,,True,excess_of_loss,employer_group,False,False,False,0.00293,0.019511,SOA_2015_VBT,SOA_Scale_MP2023,2.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.02,True,0.00696,1.0,False,,,,0.12,0.2018,False,normal_rate,2.88,1.59,False,False,False,False,False,0.761,57.2,51.2,super_preferred_longevity,94.9,baseline,1.22,0.485,False,,False,,250000.0,18947.67,18721.17,19143.44,4546.57,False,0,3.64,-19.38
LI-2024-INS004-001957,2005-07-03,14,45,59,1960,female,never_smoker,21.4,62,116,SC,USA,married,bachelors,professional,97555.71,0.2728,full_paramedical,113,65,219,49,4.47,102,4.9,False,71.0,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-302,2.0,whole_life,250000,monthly,2432.73,,none,2523.45,,,False,none,direct_to_consumer,False,False,False,0.008319,0.03208,SOA_2015_VBT,SOA_Scale_MP2023,2.205,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008319,0.015,False,,1.0,False,,,,0.015,0.0311,False,normal_rate,3.47,2.68,False,False,False,False,False,0.84,47.3,33.3,preferred_longevity,66.5,baseline,1.295,0.296,False,,False,,247476.55,19253.85,20306.68,19461.84,4622.19,False,0,2.66,-5.29
LI-2024-INS004-001958,2005-05-03,9,70,79,1935,female,never_smoker,23.1,68,151,OR,USA,married,bachelors,light_blue_collar,39472.38,0.803,limited_exam,132,80,264,36,7.33,70,4.4,False,65.2,,True,False,False,True,False,none,,none,none,depression,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,48,UW-017,2.5,term_life,500000,monthly,8745.11,20.0,none,,,,False,none,employer_group,False,False,False,0.043746,0.165963,SOA_2015_VBT,SOA_Scale_MP2023,2.555,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065619,0.005,False,,1.0,False,,,,0.05,0.0635,False,normal_rate,4.04,2.81,False,False,False,False,False,0.852,19.9,10.9,standard_longevity,40.9,baseline,0.898,0.694,False,,False,,500000.0,37952.04,35412.33,38128.68,22982.15,False,0,-0.05,-11.05
LI-2024-INS004-001959,2015-03-20,1,20,21,1995,male,never_smoker,24.9,69,168,GA,USA,single,bachelors,professional,91363.7,0.3461,full_paramedical,107,62,187,41,4.56,92,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,51,UW-049,2.25,term_life,250000,annual,943.79,25.0,none,,,,False,none,bank,False,False,False,0.001036,0.004393,SOA_2015_VBT,SOA_Scale_MP2023,2.412,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001295,0.022,False,,1.0,False,,,,0.1,0.1423,False,normal_rate,1.4,1.8,False,False,False,False,False,0.85,70.0,55.0,super_preferred_longevity,100.0,baseline,1.24,0.252,False,,False,,250000.0,7814.78,7767.1,7550.32,1793.2,False,0,5.02,-7.92
LI-2024-INS004-001960,2020-08-12,2,53,55,1967,male,never_smoker,32.9,68,216,NC,USA,married,bachelors,professional,43674.57,0.4686,simplified_issue,135,81,236,46,5.13,88,5.4,False,,2.41,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-430,1.25,term_life,500000,quarterly,2510.11,15.0,none,,,,False,none,bank,False,False,False,0.008025,0.014579,SOA_2015_VBT,SOA_Scale_MP2023,1.364,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002006,0.015,True,0.0,1.0,False,,,,0.07,0.0928,False,normal_rate,3.54,2.54,False,False,False,False,False,0.864,37.1,35.1,preferred_longevity,72.2,baseline,1.149,0.327,False,,False,,500000.0,19213.21,18727.6,20080.88,4769.21,False,0,3.3,12.9
LI-2024-INS004-001961,2012-10-13,10,23,33,1989,female,former_smoker,28.7,61,151,OH,USA,single,less_than_hs,light_blue_collar,25787.89,0.7869,full_paramedical,149,84,178,34,5.24,115,5.6,False,102.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-175,1.5,term_life,1000000,semi_annual,4569.19,25.0,none,,,,True,facultative,independent_broker,False,False,False,0.001766,0.003451,SOA_2015_VBT,SOA_Scale_MP2023,1.599,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000883,0.02,False,,1.0,False,,,,0.05,0.0535,False,normal_rate,4.4,1.78,False,False,False,False,False,0.922,70.0,55.0,super_preferred_longevity,100.0,baseline,0.91,0.81,False,,False,,1000000.0,33539.69,36487.83,36553.52,8681.46,False,0,-0.69,5.66
LI-2024-INS004-001962,2007-06-12,14,59,73,1948,female,current_smoker,27.5,60,140,NM,USA,widowed,graduate,light_blue_collar,30332.29,0.8278,full_paramedical,120,72,242,62,3.9,88,5.2,True,,,False,True,False,False,False,none,,none,none,anxiety,18,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-233,1.5,indexed_ul,5000000,monthly,46346.41,,10yr_declining,48046.42,,,True,none,employer_group,False,False,False,0.052566,0.107017,SOA_2015_VBT,SOA_Scale_MP2023,1.747,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026283,0.008,False,,1.0,False,,,,0.04,0.0498,False,normal_rate,2.38,0.99,False,False,False,False,False,0.968,33.2,19.2,standard_longevity,53.7,baseline,0.879,0.932,False,,False,,4951953.58,360126.41,317436.84,355940.43,91024.35,False,0,2.36,5.73
LI-2024-INS004-001963,2003-12-27,24,78,102,1925,non_binary,never_smoker,32.2,73,243,ID,USA,divorced,high_school,professional,62020.95,0.8246,limited_exam,172,104,203,48,4.23,99,4.9,False,39.8,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,50,UW-364,2.0,annuity_immediate,500000,monthly,8225.79,,none,,,,False,none,independent_broker,False,False,False,0.226659,0.64846,SOA_2015_VBT,SOA_Scale_MP2023,2.111,cardiovascular,True,2010-11-05,False,False,123779.03,0.0007,5e-05,1.095,0.226659,0.012,False,,1.0,False,,,,0.002,0.005,False,normal_rate,4.38,0.99,False,True,False,False,False,0.885,7.0,1.0,sub_standard_longevity,26.4,baseline,0.882,0.767,False,,False,,500000.0,3514.61,3108.24,3290.32,28132.2,False,0,0.42,-3.32
LI-2024-INS004-001964,2007-10-02,17,23,40,1984,male,former_smoker,18.7,69,126,AR,USA,single,bachelors,light_blue_collar,70863.18,0.7672,simplified_issue,122,74,157,77,2.04,60,,False,,1.28,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,10,UW-114,0.77,whole_life,500000,quarterly,1199.06,,none,1450.09,,,True,quota_share,bank,True,False,False,0.003357,0.002558,SOA_2015_VBT,SOA_Scale_MP2023,0.824,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.0163,False,normal_rate,4.58,1.27,False,False,False,False,False,0.83,70.0,63.6,super_preferred_longevity,100.0,baseline,0.925,0.901,True,88.8,False,,498549.91,9933.68,8460.01,9592.48,2278.21,False,0,2.42,17.88
LI-2024-INS004-001965,2014-11-10,5,36,41,1978,male,never_smoker,32.7,67,208,IA,USA,married,high_school,white_collar,58841.62,0.8825,full_paramedical,107,58,183,38,4.82,86,5.6,False,78.6,3.31,True,False,True,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-451,2.25,universal_life,500000,quarterly,4351.2,,10yr_declining,3242.14,,,True,coinsurance,employer_group,False,False,False,0.002761,0.008687,SOA_2015_VBT,SOA_Scale_MP2023,2.262,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003452,0.018,False,,1.0,False,,,,0.08,0.0429,False,normal_rate,3.13,1.95,False,False,False,False,False,0.979,60.7,55.0,super_preferred_longevity,100.0,baseline,0.838,0.853,False,,False,,496757.86,37495.04,35136.3,34809.6,8267.28,False,0,1.5,-7.86
LI-2024-INS004-001966,2003-01-11,15,63,78,1940,male,former_smoker,28.3,69,191,CO,USA,married,bachelors,professional,56122.27,0.3433,full_paramedical,141,84,295,62,4.76,91,,False,95.6,10.77,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-146,2.25,universal_life,100000,semi_annual,1444.64,,10yr_declining,1690.13,,,False,none,independent_broker,False,False,False,0.061963,0.260767,SOA_2015_VBT,SOA_Scale_MP2023,2.381,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.077453,0.008,False,,1.0,False,,,,0.04,0.057,False,normal_rate,2.19,0.53,False,False,False,False,False,0.779,22.0,7.0,sub_standard_longevity,28.1,baseline,1.243,0.155,False,,False,,98309.87,4078.83,4043.11,4044.99,4247.24,False,0,-3.37,-11.84
LI-2024-INS004-001967,2021-06-04,2,76,78,1945,male,former_smoker,30.0,63,169,WA,USA,married,some_college,professional,82412.09,0.2273,simplified_issue,141,96,192,37,5.19,89,5.2,False,,4.43,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,19,UW-311,1.0,whole_life,100000,monthly,570.56,,none,399.33,,,False,none,bank,False,False,False,0.064502,0.092142,SOA_2015_VBT,SOA_Scale_MP2023,1.024,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00433,1.0,False,,,,0.04,0.085,False,normal_rate,2.85,2.79,False,False,False,False,False,0.781,9.3,7.3,sub_standard_longevity,26.9,baseline,1.33,0.161,False,,False,,99600.67,1516.0,1652.78,1666.04,1663.75,False,0,0.33,15.34
LI-2024-INS004-001968,2003-07-14,2,72,74,1931,female,former_smoker,31.4,60,160,VA,USA,married,some_college,white_collar,20000.0,0.8175,full_paramedical,136,79,234,69,3.39,109,4.9,False,68.8,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-451,2.0,whole_life,1000000,annual,11366.35,,none,7533.51,,,True,coinsurance,captive_agent,False,False,False,0.036046,0.104778,SOA_2015_VBT,SOA_Scale_MP2023,2.15,cardiovascular,True,2003-10-24,True,False,1126079.91,0.0007,5e-05,1.095,0.036046,0.005,False,,1.0,False,,,,0.04,0.0418,False,normal_rate,2.93,2.15,False,False,False,False,False,0.925,17.3,15.3,standard_longevity,47.7,baseline,0.887,0.878,False,,False,,992466.49,65508.44,72974.01,69562.06,25869.81,False,0,1.65,-8.55
LI-2024-INS004-001969,2001-11-13,22,65,87,1936,male,never_smoker,20.7,71,148,LA,USA,single,high_school,light_blue_collar,66550.41,0.7221,limited_exam,124,81,202,66,3.06,78,5.7,False,55.1,20.0,False,True,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,25,UW-429,2.0,indexed_ul,100000,quarterly,1533.25,,15yr_declining,2288.37,,,False,none,captive_agent,False,False,False,0.109181,0.338136,SOA_2015_VBT,SOA_Scale_MP2023,2.188,accident,True,2008-09-24,False,False,793403.68,0.0007,5e-05,1.095,0.109181,0.005,False,,1.0,False,,,,0.04,0.0449,False,normal_rate,3.71,0.53,False,False,False,False,False,0.959,20.7,1.0,sub_standard_longevity,24.8,baseline,0.958,0.847,False,,False,,97711.63,610.1,563.83,613.3,5243.72,False,0,1.16,-2.7
LI-2024-INS004-001970,2001-11-06,19,56,75,1945,female,never_smoker,25.3,69,171,VA,USA,single,less_than_hs,light_blue_collar,20000.0,0.4976,full_paramedical,129,80,170,42,4.05,99,4.7,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,preferred_plus,,,False,False,False,False,25,UW-240,0.69,whole_life,1000000,monthly,3845.38,,none,5004.91,,,True,quota_share,bank,False,False,False,0.030556,0.023792,SOA_2015_VBT,SOA_Scale_MP2023,0.691,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.015,0.0195,False,normal_rate,4.39,2.3,False,False,False,False,False,0.975,34.4,15.4,standard_longevity,43.1,baseline,1.127,0.424,False,,False,,994995.09,24870.25,22327.5,23687.54,8721.32,False,0,7.93,29.52
LI-2024-INS004-001971,2014-09-01,10,75,85,1939,female,former_smoker,28.0,66,173,GA,USA,married,bachelors,light_blue_collar,170978.33,0.9075,full_paramedical,148,92,231,50,4.62,95,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-075,2.25,annuity_deferred,500000,monthly,8229.74,,none,7613.59,,,False,none,direct_to_consumer,False,True,False,0.09729,0.312217,SOA_2015_VBT,SOA_Scale_MP2023,2.391,respiratory,True,2024-07-15,False,False,97975.57,0.0007,5e-05,1.095,0.121613,0.005,False,,1.0,False,,,,0.02,0.0273,False,normal_rate,1.98,1.97,False,False,False,False,False,0.901,15.9,5.9,sub_standard_longevity,35.0,baseline,0.819,0.89,False,,False,,492386.41,19963.9,18280.65,19422.19,24919.65,False,0,-0.3,-12.7
LI-2024-INS004-001972,2010-04-05,13,35,48,1975,male,never_smoker,23.0,72,169,VT,USA,married,graduate,white_collar,43472.72,0.4118,full_paramedical,126,79,168,51,3.29,95,4.8,False,74.1,0.92,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-072,2.0,whole_life,1000000,annual,6951.19,,none,7466.72,,,True,none,direct_to_consumer,False,False,False,0.004587,0.016358,SOA_2015_VBT,SOA_Scale_MP2023,2.154,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004587,0.018,False,,1.0,False,,,,0.015,0.0288,False,normal_rate,2.61,0.59,False,False,False,False,False,0.857,56.3,43.3,super_preferred_longevity,83.6,baseline,1.191,0.503,False,,False,,992533.28,59236.23,56793.61,55609.52,13207.26,False,0,1.43,-4.59
LI-2024-INS004-001973,2020-05-03,4,51,55,1969,female,former_smoker,37.5,62,205,LA,USA,married,bachelors,professional,83283.99,0.6209,full_paramedical,136,84,243,35,6.94,108,5.2,False,84.0,,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,28,UW-467,2.5,term_life,500000,monthly,5547.71,30.0,none,,,,False,none,captive_agent,False,False,False,0.008346,0.039276,SOA_2015_VBT,SOA_Scale_MP2023,2.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01252,0.015,True,0.00354,1.0,False,,,,0.07,0.0842,False,normal_rate,3.25,2.98,False,False,False,False,False,0.985,44.0,45.9,super_preferred_longevity,90.7,baseline,1.034,0.514,True,76.1,False,,500000.0,43910.96,39006.32,44381.68,10540.65,False,0,0.37,-19.05
LI-2024-INS004-001974,2017-11-02,10,47,57,1970,female,never_smoker,20.8,61,110,MS,USA,single,some_college,white_collar,62070.2,0.5496,limited_exam,136,81,183,60,3.05,100,,False,75.8,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-279,2.25,annuity_deferred,1000000,monthly,10638.26,,none,10073.39,5983.59,0.594,True,excess_of_loss,captive_agent,False,True,False,0.007582,0.029336,SOA_2015_VBT,SOA_Scale_MP2023,2.408,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009477,0.018,False,,1.0,False,,,,0.02,0.0151,False,normal_rate,3.45,1.99,False,False,False,False,False,0.931,48.1,38.1,preferred_longevity,77.9,baseline,1.088,0.559,False,,False,,989926.61,82347.56,74613.02,85106.08,20212.69,False,0,-2.65,-5.8
LI-2024-INS004-001975,2015-05-04,3,57,60,1958,male,former_smoker,24.0,62,131,LA,USA,married,high_school,white_collar,83037.97,0.6324,full_paramedical,122,90,215,59,3.64,81,,False,82.9,2.98,False,False,False,False,False,none,,none,none,bipolar,0,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-017,2.0,term_life,1000000,annual,9505.32,20.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.014584,0.045175,SOA_2015_VBT,SOA_Scale_MP2023,2.045,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014584,0.012,False,,1.0,True,2026-05-15,non_payment,3.0,0.07,0.117,False,normal_rate,4.21,2.68,False,False,True,False,False,0.983,32.2,29.2,preferred_longevity,65.8,baseline,1.026,0.536,False,,False,,1000000.0,76186.13,70440.06,76042.56,18060.11,False,0,4.92,-3.06
LI-2024-INS004-001976,2003-08-05,20,63,83,1940,male,unknown,27.1,76,222,FL,USA,married,graduate,professional,82639.76,0.7444,full_paramedical,149,101,191,40,4.78,83,5.1,False,,3.85,False,True,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,9,UW-225,2.0,universal_life,500000,monthly,6694.36,,10yr_declining,9266.64,,,False,none,captive_agent,False,False,False,0.084489,0.247276,SOA_2015_VBT,SOA_Scale_MP2023,2.046,neurological,True,2021-08-05,False,False,1811520.68,0.0007,5e-05,1.095,0.084489,0.008,False,,1.0,False,,,,0.04,0.0442,False,normal_rate,2.62,0.58,False,False,False,False,False,0.834,23.6,3.6,sub_standard_longevity,29.1,baseline,0.942,0.884,False,,False,,490733.36,8692.51,9267.88,9639.88,21502.28,False,0,3.62,-4.54
LI-2024-INS004-001977,2023-12-21,4,52,56,1971,female,never_smoker,35.3,72,260,IL,USA,married,high_school,white_collar,48529.43,0.7565,full_paramedical,147,100,239,43,5.56,102,4.0,False,73.4,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-404,2.25,term_life,1000000,annual,10990.47,25.0,none,,,,True,none,employer_group,False,False,False,0.006975,0.023888,SOA_2015_VBT,SOA_Scale_MP2023,2.332,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008719,0.018,False,,1.0,False,,,,0.07,0.092,False,normal_rate,4.62,2.65,False,False,False,False,False,0.895,44.1,41.7,super_preferred_longevity,86.4,baseline,0.933,0.79,True,46.0,False,,1000000.0,88359.4,76846.58,87923.76,20881.89,False,0,3.26,-9.45
LI-2024-INS004-001978,2006-05-26,10,30,40,1976,male,never_smoker,19.0,69,128,GA,USA,single,bachelors,professional,71493.5,0.6005,full_paramedical,126,73,154,63,2.44,89,,False,92.8,0.92,False,True,False,False,False,none,,none,none,none,13,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,40,UW-313,1.5,annuity_immediate,500000,monthly,2833.92,,none,,,,False,none,captive_agent,False,False,False,0.002583,0.005764,SOA_2015_VBT,SOA_Scale_MP2023,1.65,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001291,0.018,False,,1.0,False,,,,0.003,0.005,False,normal_rate,1.92,2.73,False,False,False,False,False,0.9,62.2,52.2,super_preferred_longevity,99.8,baseline,1.05,0.606,False,,False,,500000.0,24672.47,22489.13,22671.36,5384.45,False,0,7.46,2.67
LI-2024-INS004-001979,2003-07-10,20,49,69,1954,female,never_smoker,28.9,67,184,GA,USA,married,high_school,white_collar,92856.43,0.5939,full_paramedical,162,112,256,41,6.24,105,4.9,False,,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,5,UW-022,2.5,whole_life,100000,monthly,1483.02,,none,2089.03,,,False,none,direct_to_consumer,False,False,False,0.018603,0.078008,SOA_2015_VBT,SOA_Scale_MP2023,2.554,cancer,True,2015-02-20,False,False,1386608.58,0.0007,5e-05,1.095,0.027904,0.012,False,,1.0,False,,,,0.015,0.0257,False,normal_rate,2.32,2.04,False,False,False,False,False,0.853,43.4,23.4,standard_longevity,56.5,baseline,1.055,0.75,False,,False,,97910.97,12186.59,11276.29,11864.16,2817.74,False,0,-0.29,-20.0
LI-2024-INS004-001980,2003-07-02,18,34,52,1969,female,never_smoker,19.3,59,95,AR,USA,married,graduate,professional,52345.97,0.8212,accelerated_UW,99,59,192,54,3.56,107,5.3,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,preferred_plus,,,False,False,False,True,36,UW-176,0.63,term_life,500000,monthly,1416.53,20.0,none,,,,False,none,independent_broker,False,False,False,0.005027,0.002613,SOA_2015_VBT,SOA_Scale_MP2023,0.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0313,False,normal_rate,3.9,0.95,False,False,False,False,False,0.853,61.8,43.8,super_preferred_longevity,90.5,baseline,0.884,0.864,False,,False,,500000.0,11878.71,10717.49,11332.24,2691.41,False,0,9.24,35.56
LI-2024-INS004-001981,2021-06-13,4,27,31,1994,female,current_smoker,22.2,65,133,CT,USA,married,some_college,heavy_blue_collar,21207.75,0.5059,limited_exam,112,70,201,51,3.94,94,,True,100.2,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,1.09,2.0,False,False,False,False,9,UW-372,1.5,whole_life,250000,semi_annual,954.25,,none,661.31,,,False,none,independent_broker,False,False,False,0.002451,0.010187,SOA_2015_VBT,SOA_Scale_MP2023,1.67,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001226,0.022,True,0.00437,1.0,False,,,,0.04,0.0518,False,normal_rate,3.64,2.1,False,False,False,False,False,0.79,70.0,55.0,super_preferred_longevity,100.0,baseline,1.121,0.37,False,,False,,249338.69,7913.51,7998.13,7634.0,1813.07,False,0,4.01,9.49
LI-2024-INS004-001982,2008-04-19,10,74,84,1934,male,former_smoker,19.2,70,134,TN,USA,married,high_school,white_collar,66216.09,0.8079,full_paramedical,132,87,180,46,3.91,79,,False,,20.0,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-434,2.0,term_life,500000,annual,6337.01,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.108895,0.311113,SOA_2015_VBT,SOA_Scale_MP2023,2.077,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.108895,0.005,False,,1.0,False,,,,0.05,0.0738,False,normal_rate,3.61,0.59,False,False,False,False,False,0.791,11.7,1.7,sub_standard_longevity,27.2,baseline,0.894,0.678,True,40.0,False,,500000.0,4472.94,3754.75,4309.17,21317.7,False,0,2.53,-0.29
LI-2024-INS004-001983,2001-11-16,8,37,45,1964,female,former_smoker,22.0,59,108,NV,USA,married,less_than_hs,professional,66889.89,0.4656,full_paramedical,129,85,205,59,3.47,68,5.7,False,86.4,,False,False,False,False,False,none,,none,none,bipolar,10,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,51,UW-331,2.0,term_life,1000000,monthly,7901.08,20.0,none,,,,True,none,captive_agent,False,False,False,0.003752,0.013198,SOA_2015_VBT,SOA_Scale_MP2023,2.188,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003752,0.015,False,,1.0,False,,,,0.05,0.0664,False,normal_rate,2.38,1.12,False,False,False,False,False,0.895,56.7,48.7,super_preferred_longevity,92.5,baseline,1.151,0.339,False,,False,,1000000.0,59047.81,55880.59,63208.64,15012.05,False,0,0.52,-5.94
LI-2024-INS004-001984,2007-03-28,2,35,37,1972,female,never_smoker,39.7,68,260,TX,USA,single,high_school,hazardous,132539.09,0.5963,full_paramedical,133,80,194,31,6.26,142,5.4,False,75.6,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,4.69,2.0,True,False,False,False,3,UW-391,1.5,annuity_deferred,1000000,annual,4955.73,,none,3273.15,,,True,none,captive_agent,False,False,False,0.001707,0.003805,SOA_2015_VBT,SOA_Scale_MP2023,1.642,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000854,0.018,False,,1.0,False,,,,0.04,0.0489,False,normal_rate,2.43,1.48,False,False,False,False,False,0.777,60.6,55.0,super_preferred_longevity,100.0,baseline,1.053,0.602,False,,False,,996726.85,40485.59,39289.01,39645.84,9415.89,False,0,3.94,6.89
LI-2024-INS004-001985,2007-10-15,9,60,69,1947,female,never_smoker,32.9,59,162,MS,USA,single,high_school,heavy_blue_collar,24550.35,0.8359,full_paramedical,143,98,183,55,3.33,98,5.7,False,91.3,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,True,True,substandard_table_2,1.39,2.0,False,False,False,False,29,UW-459,1.5,term_life,250000,semi_annual,2249.23,10.0,none,,,,False,none,bank,False,False,False,0.018385,0.033285,SOA_2015_VBT,SOA_Scale_MP2023,1.501,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009192,0.008,False,,1.0,False,,,,0.05,0.0516,False,normal_rate,2.04,0.96,False,False,False,False,False,0.756,32.0,23.0,standard_longevity,59.5,baseline,0.873,0.815,False,,False,,250000.0,17693.02,18526.45,17993.84,4273.54,False,0,3.51,13.41
LI-2024-INS004-001986,2018-10-17,4,77,81,1941,female,current_smoker,21.2,63,119,AL,USA,married,graduate,white_collar,148498.19,0.7335,full_paramedical,116,74,209,57,3.67,62,5.0,True,75.3,,False,False,False,False,False,none,,none,severe_gold_3,schizophrenia,6,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,12,UW-116,3.25,term_life,500000,quarterly,9560.01,15.0,none,,,,False,none,captive_agent,False,False,False,0.099734,0.599458,SOA_2015_VBT,SOA_Scale_MP2023,3.959,respiratory,True,2021-12-08,False,False,849476.66,0.0007,5e-05,1.095,0.224402,0.008,False,,1.0,False,,,,0.07,0.0779,False,normal_rate,5.75,2.95,False,False,False,False,False,0.984,13.7,9.7,standard_longevity,38.1,baseline,0.95,0.718,False,,False,,500000.0,36719.15,35151.46,37092.84,26041.47,False,0,2.42,-20.0
LI-2024-INS004-001987,2013-12-12,3,31,34,1982,male,never_smoker,20.1,63,113,NM,USA,married,some_college,professional,21641.27,0.6371,full_paramedical,108,71,184,60,3.07,91,4.8,False,81.8,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-165,1.25,whole_life,2000000,monthly,8007.22,,none,5831.49,,,True,excess_of_loss,independent_broker,False,False,False,0.001792,0.002966,SOA_2015_VBT,SOA_Scale_MP2023,1.374,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000448,0.02,False,,1.0,False,,,,0.04,0.0476,False,normal_rate,3.85,0.59,False,False,False,False,False,0.766,62.4,55.0,super_preferred_longevity,100.0,baseline,1.022,0.37,False,,False,,1994168.51,68884.35,56764.0,64057.76,15213.72,False,0,3.93,9.27
LI-2024-INS004-001988,2013-02-05,10,70,80,1943,female,never_smoker,27.9,62,152,NH,USA,married,some_college,professional,20000.0,0.9548,accelerated_UW,132,82,224,50,4.48,107,5.1,False,80.9,,False,True,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,,,False,False,False,True,6,UW-256,0.56,term_life,1000000,monthly,3307.81,30.0,none,,,,True,quota_share,bank,False,False,False,0.046472,0.025209,SOA_2015_VBT,SOA_Scale_MP2023,0.692,infectious,True,2020-12-04,False,False,638360.72,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0468,False,normal_rate,0.53,1.79,False,False,False,False,False,0.924,21.9,11.9,standard_longevity,44.7,baseline,0.784,0.826,False,,False,,1000000.0,16303.54,13786.25,15745.18,8428.3,False,0,4.08,37.12
LI-2024-INS004-001989,2004-12-09,14,27,41,1977,female,former_smoker,26.1,61,138,KS,USA,divorced,some_college,heavy_blue_collar,30915.9,0.6592,full_paramedical,131,81,225,69,3.26,97,5.3,False,100.5,,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,1.29,,False,False,False,False,20,UW-484,0.92,term_life,500000,monthly,1361.03,20.0,none,,,,False,none,employer_group,False,False,False,0.002872,0.002813,SOA_2015_VBT,SOA_Scale_MP2023,0.974,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0422,False,normal_rate,3.76,2.17,False,False,False,False,False,0.999,69.6,55.0,super_preferred_longevity,100.0,baseline,1.006,0.63,False,,False,,500000.0,11588.15,9315.12,10888.24,2585.96,False,0,2.39,22.82
LI-2024-INS004-001990,2010-09-01,17,55,72,1955,female,former_smoker,15.1,64,90,NV,USA,married,some_college,light_blue_collar,94602.8,0.6886,full_paramedical,128,80,198,60,3.3,103,5.4,False,,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,True,False,True,declined,,,False,False,True,False,39,UW-117,7.0,whole_life,500000,monthly,22108.03,,none,27338.07,24276.21,0.888,False,none,bank,False,False,False,0.031808,0.402921,SOA_2015_VBT,SOA_Scale_MP2023,6.779,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.190845,0.012,False,,1.0,False,,,,0.015,0.0103,False,normal_rate,4.29,2.89,False,False,False,False,False,0.815,38.0,21.0,standard_longevity,54.3,baseline,0.984,0.786,True,34.1,False,,472661.93,186397.98,156260.62,176864.24,42005.26,False,0,-5.0,-20.0
LI-2024-INS004-001991,2001-11-11,2,36,38,1965,female,former_smoker,23.8,63,134,MT,USA,married,some_college,light_blue_collar,31669.06,0.6669,simplified_issue,111,64,228,58,3.93,86,,False,91.3,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-259,1.25,group_life,500000,annual,1782.98,,none,,,,False,none,direct_to_consumer,False,False,False,0.002361,0.003914,SOA_2015_VBT,SOA_Scale_MP2023,1.408,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00059,0.015,False,,1.0,True,2026-04-12,voluntary_surrender,2.0,0.15,0.245,False,normal_rate,2.79,2.13,False,False,False,False,False,0.923,58.6,62.1,super_preferred_longevity,100.0,baseline,1.0,0.67,True,71.6,False,,500000.0,13141.67,12245.05,14263.84,3387.66,False,0,2.81,10.39
LI-2024-INS004-001992,2014-09-06,10,64,74,1950,female,current_smoker,25.1,59,124,WI,USA,divorced,bachelors,light_blue_collar,29417.61,0.4133,limited_exam,141,90,182,49,3.71,64,5.1,True,74.8,,False,True,False,False,True,other,4.8,none,none,none,11,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,43,UW-076,3.0,term_life,2000000,semi_annual,32354.52,20.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.054867,0.309662,SOA_2015_VBT,SOA_Scale_MP2023,3.062,accident,True,2017-06-19,False,False,732030.05,0.0007,5e-05,1.095,0.109734,0.012,False,,1.0,True,2025-07-21,non_payment,10.0,0.05,0.0959,False,normal_rate,4.16,1.13,False,False,True,False,False,0.819,27.1,17.1,standard_longevity,44.3,baseline,1.19,0.42,False,,False,,2000000.0,240638.74,223964.11,221304.92,68979.84,False,0,-2.73,-20.0
LI-2024-INS004-001993,2020-11-17,3,66,69,1954,female,former_smoker,26.6,72,195,UT,USA,widowed,bachelors,light_blue_collar,32434.54,0.6907,limited_exam,139,88,211,50,4.22,101,6.2,False,,,True,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-261,1.25,term_life,500000,annual,3832.45,15.0,none,,,,False,none,independent_broker,False,False,False,0.024183,0.041431,SOA_2015_VBT,SOA_Scale_MP2023,1.351,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006046,0.012,True,0.0033,1.0,False,,,,0.07,0.3669,False,normal_rate,3.2,2.55,False,False,False,True,False,0.806,26.8,23.8,standard_longevity,58.6,baseline,0.982,0.578,False,,False,,500000.0,33093.86,30061.24,30659.6,7281.65,False,0,4.15,14.88
LI-2024-INS004-001994,2015-02-23,1,23,24,1992,female,current_smoker,33.4,61,176,NJ,USA,married,high_school,white_collar,82416.21,0.8192,limited_exam,122,80,238,54,4.41,94,5.9,True,,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-077,1.5,group_life,1000000,quarterly,3331.81,,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.001825,0.003438,SOA_2015_VBT,SOA_Scale_MP2023,1.562,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000913,0.022,False,,1.0,False,,,,0.18,0.2632,False,normal_rate,2.31,1.03,True,False,False,False,False,0.871,70.0,55.0,super_preferred_longevity,100.0,baseline,0.886,0.941,False,,False,,1000000.0,25439.12,23580.73,26654.48,6330.44,False,0,4.88,15.3
LI-2024-INS004-001995,2004-11-03,17,34,51,1970,male,never_smoker,31.1,72,229,NM,USA,single,bachelors,professional,41856.19,0.6064,non_med_guaranteed,110,65,221,56,3.95,89,,False,86.3,1.63,False,False,True,False,False,none,,none,none,anxiety,10,False,False,False,False,False,standard_plus,,,False,False,False,False,15,UW-057,0.94,term_life,250000,monthly,1095.73,20.0,none,,,,False,none,independent_broker,True,False,False,0.005801,0.005996,SOA_2015_VBT,SOA_Scale_MP2023,0.989,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,5.28,2.3,True,False,False,False,False,0.851,60.4,43.4,super_preferred_longevity,96.7,baseline,1.045,0.689,False,,False,,250000.0,8829.27,7811.5,8765.84,2081.89,False,0,4.97,17.79
LI-2024-INS004-001996,2003-06-16,10,37,47,1966,male,never_smoker,18.0,76,147,TN,USA,divorced,high_school,professional,107572.13,0.6193,full_paramedical,116,78,236,48,4.92,73,,False,96.2,2.15,False,False,False,False,False,none,,none,none,none,2,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,60,UW-392,1.5,whole_life,1000000,annual,5974.92,,none,5362.92,,,True,coinsurance,captive_agent,True,False,False,0.004251,0.009045,SOA_2015_VBT,SOA_Scale_MP2023,1.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002125,0.015,False,,1.0,False,,,,0.02,0.0241,False,normal_rate,1.27,2.16,False,False,False,False,False,0.989,53.6,43.6,super_preferred_longevity,87.2,baseline,1.036,0.623,False,,False,,994637.08,50886.16,43776.96,47799.36,11352.35,False,0,2.12,13.99
LI-2024-INS004-001997,2013-01-16,2,35,37,1978,male,former_smoker,29.1,62,158,IA,USA,divorced,graduate,light_blue_collar,122154.12,0.4239,simplified_issue,128,87,191,59,3.24,98,5.7,False,99.6,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-433,2.0,universal_life,500000,monthly,3225.18,,10yr_declining,2087.15,,,False,none,captive_agent,True,False,False,0.002774,0.00938,SOA_2015_VBT,SOA_Scale_MP2023,2.014,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002774,0.018,False,,1.0,False,,,,0.08,0.049,False,normal_rate,4.81,1.69,False,False,False,False,False,0.803,56.8,54.8,super_preferred_longevity,100.0,baseline,1.182,0.507,False,,False,,497912.85,24984.02,25938.42,25801.44,6127.84,False,0,5.19,-5.7
LI-2024-INS004-001998,2013-08-12,6,32,38,1981,female,former_smoker,20.7,62,113,MN,USA,single,some_college,white_collar,75089.52,0.375,accelerated_UW,122,82,179,83,2.16,80,,False,77.3,,False,False,False,False,False,none,,none,none,anxiety,2,True,True,False,False,False,preferred,2.35,,True,False,False,True,28,UW-424,0.83,whole_life,1000000,annual,2601.87,,none,2123.26,,,True,none,employer_group,False,False,False,0.002361,0.002187,SOA_2015_VBT,SOA_Scale_MP2023,0.76,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0336,False,normal_rate,3.37,2.96,False,False,False,False,False,0.981,64.2,55.0,super_preferred_longevity,100.0,baseline,1.219,0.439,False,,False,,997876.74,20041.73,18176.7,20814.96,4943.55,False,0,4.15,24.27
LI-2024-INS004-001999,2008-11-21,1,57,58,1951,female,never_smoker,18.8,68,123,RI,USA,divorced,bachelors,professional,66085.39,0.6811,full_paramedical,129,81,173,53,3.26,63,,False,,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,21,UW-355,1.5,universal_life,2000000,quarterly,15811.28,,10yr_declining,10572.46,,,True,facultative,captive_agent,False,False,False,0.006963,0.014612,SOA_2015_VBT,SOA_Scale_MP2023,1.616,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003482,0.012,False,,1.0,False,,,,0.12,0.0624,False,normal_rate,2.06,1.3,False,False,False,False,False,0.827,35.3,34.3,preferred_longevity,74.2,baseline,0.989,0.856,False,,False,,1989427.54,119739.32,118530.81,126490.24,30041.43,False,0,3.94,6.27
LI-2024-INS004-002000,2003-01-08,22,46,68,1957,male,never_smoker,31.3,61,165,AR,USA,married,bachelors,light_blue_collar,45466.26,0.8352,non_med_guaranteed,162,96,238,44,5.41,110,,False,59.7,3.82,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-143,2.25,term_life,250000,monthly,3520.56,25.0,none,,,,False,none,independent_broker,False,False,False,0.022098,0.072817,SOA_2015_VBT,SOA_Scale_MP2023,2.341,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027623,0.012,False,,1.0,False,,,,0.03,0.031,False,normal_rate,4.21,2.46,False,False,False,False,False,0.794,43.9,21.9,standard_longevity,57.9,baseline,0.874,0.852,False,,False,,250000.0,30256.98,27266.27,28164.48,6689.06,False,0,-1.05,-10.14
LI-2024-INS004-002001,2017-05-16,2,62,64,1955,male,never_smoker,34.6,62,189,NH,USA,married,some_college,professional,20000.0,0.639,full_paramedical,130,94,231,48,4.81,82,5.2,False,89.7,4.0,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-189,1.5,term_life,5000000,monthly,45193.79,15.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.015246,0.031403,SOA_2015_VBT,SOA_Scale_MP2023,1.528,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007623,0.012,False,,1.0,False,,,,0.07,0.0832,False,normal_rate,3.67,1.52,False,False,False,False,False,0.808,26.8,24.8,standard_longevity,59.3,baseline,1.021,0.862,False,,False,,5000000.0,381460.68,337609.47,361550.32,85868.2,False,0,4.9,5.88
LI-2024-INS004-002002,2021-12-03,5,43,48,1978,female,never_smoker,23.4,72,172,PA,USA,married,high_school,light_blue_collar,35591.69,0.6298,full_paramedical,108,68,206,53,3.89,109,5.1,False,77.5,,False,False,False,False,True,other,2.8,none,none,depression,12,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,28,UW-495,2.5,term_life,100000,quarterly,994.14,20.0,none,,,,False,none,bank,False,False,False,0.00367,0.022335,SOA_2015_VBT,SOA_Scale_MP2023,2.635,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005505,0.018,True,0.00689,1.0,False,,,,0.07,0.0837,False,normal_rate,4.59,0.53,False,False,False,False,False,0.929,53.7,48.7,super_preferred_longevity,95.0,baseline,1.028,0.664,False,,False,,100000.0,7370.06,7675.02,7953.12,1888.87,False,0,-2.4,-12.73
LI-2024-INS004-002003,2012-04-24,13,69,82,1943,female,never_smoker,31.1,65,186,ID,USA,married,high_school,professional,64968.28,0.3812,full_paramedical,116,63,222,47,4.72,126,5.0,False,69.7,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,True,True,preferred,,,False,False,False,False,37,UW-175,0.76,indexed_ul,500000,monthly,2703.58,,15yr_declining,2845.0,,,False,none,bank,False,False,False,0.055244,0.055267,SOA_2015_VBT,SOA_Scale_MP2023,0.824,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0251,False,normal_rate,2.91,1.96,False,False,False,True,False,0.776,20.6,7.6,sub_standard_longevity,29.6,baseline,1.214,0.257,False,,False,,497155.0,8072.57,8026.55,8218.88,7818.75,False,0,-0.38,17.93
LI-2024-INS004-002004,2003-12-06,19,55,74,1948,male,never_smoker,30.5,76,250,SC,USA,divorced,less_than_hs,white_collar,42628.68,0.9328,full_paramedical,154,96,214,60,3.57,84,,True,76.2,5.12,True,False,False,False,False,none,,none,none,bipolar,9,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-278,2.0,term_life,1000000,monthly,12070.89,15.0,none,,,,True,coinsurance,employer_group,False,False,False,0.071708,0.196312,SOA_2015_VBT,SOA_Scale_MP2023,2.171,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.071708,0.008,False,,1.0,False,,,,0.03,0.0343,False,normal_rate,2.43,1.84,False,False,False,False,False,0.977,33.6,14.6,standard_longevity,48.4,baseline,0.8,1.0,False,,False,,1000000.0,71364.13,62592.72,70494.0,28149.31,False,0,1.17,1.19
LI-2024-INS004-002005,2017-08-13,3,68,71,1949,male,former_smoker,20.9,76,171,CA,USA,single,graduate,professional,176244.62,0.3912,full_paramedical,131,79,239,59,4.05,78,,False,52.0,7.05,False,False,True,False,False,none,,none,none,none,4,False,False,False,True,True,preferred,,,False,False,False,False,35,UW-381,0.83,term_life,500000,monthly,2665.74,20.0,none,,,,True,none,independent_broker,False,False,False,0.03615,0.036596,SOA_2015_VBT,SOA_Scale_MP2023,0.839,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0971,False,normal_rate,2.15,1.79,False,False,False,False,False,0.822,21.6,18.6,standard_longevity,56.3,baseline,1.207,0.338,False,,False,,500000.0,20068.27,17496.17,19833.11,5363.47,False,0,3.94,21.78
LI-2024-INS004-002006,2002-02-23,24,67,91,1935,male,never_smoker,34.3,76,281,AK,USA,married,graduate,light_blue_collar,168736.0,0.6582,full_paramedical,155,93,220,34,6.47,106,5.4,False,73.3,20.0,False,False,False,False,False,none,,none,none,depression,1,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,39,UW-457,1.5,universal_life,2000000,semi_annual,19716.71,,15yr_declining,32760.7,,,True,none,independent_broker,False,False,False,0.15154,0.341582,SOA_2015_VBT,SOA_Scale_MP2023,1.743,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.07577,0.005,False,,1.0,False,,,,0.04,0.0469,False,normal_rate,4.77,1.07,False,False,False,False,False,0.95,18.3,1.0,sub_standard_longevity,23.9,baseline,1.006,0.7,False,,False,,1967239.3,7777.6,7871.2,7886.68,67431.15,False,0,0.81,-2.5
LI-2024-INS004-002007,2017-05-23,1,38,39,1979,male,never_smoker,27.5,66,170,CA,USA,married,some_college,heavy_blue_collar,225109.21,0.8858,accelerated_UW,124,69,176,71,2.48,87,5.1,False,120.0,,False,False,True,False,True,prostate,1.8,none,none,depression,0,False,False,False,False,True,standard,1.2,,False,True,False,True,30,UW-258,1.0,whole_life,250000,semi_annual,930.08,,none,604.18,,,True,quota_share,independent_broker,False,False,False,0.002419,0.002117,SOA_2015_VBT,SOA_Scale_MP2023,1.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0595,False,normal_rate,3.09,1.32,False,False,False,False,False,0.944,58.8,55.0,super_preferred_longevity,100.0,baseline,0.836,0.915,False,,False,,249395.82,7641.85,6960.76,7440.64,1767.15,False,0,3.24,19.19
LI-2024-INS004-002008,2002-12-06,4,20,24,1982,male,never_smoker,27.3,66,168,GA,USA,widowed,bachelors,white_collar,742882.29,0.6589,full_paramedical,111,59,152,55,2.76,85,,False,88.7,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-486,2.0,whole_life,500000,quarterly,1985.6,,none,1319.23,,,False,none,employer_group,False,False,False,0.001141,0.00371,SOA_2015_VBT,SOA_Scale_MP2023,2.239,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001141,0.02,False,,1.0,False,,,,0.04,0.0563,False,normal_rate,3.72,1.57,False,False,False,False,False,0.836,70.0,55.0,super_preferred_longevity,100.0,baseline,1.006,0.648,False,,False,,498680.77,15596.69,16216.73,15884.8,3772.64,False,0,3.76,-2.11
LI-2024-INS004-002009,2015-04-03,5,37,42,1978,female,never_smoker,20.4,62,111,MT,USA,single,some_college,white_collar,65640.76,0.2906,accelerated_UW,128,81,200,54,3.7,90,5.0,False,80.1,,True,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,True,11,UW-136,0.68,universal_life,1000000,monthly,2083.26,,10yr_declining,1448.33,,,True,coinsurance,independent_broker,True,False,False,0.002366,0.001741,SOA_2015_VBT,SOA_Scale_MP2023,0.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.074,False,normal_rate,2.94,2.97,False,False,False,False,False,0.863,61.3,55.0,super_preferred_longevity,100.0,baseline,1.282,0.416,False,,False,,998551.67,18221.32,16736.81,16666.08,3958.19,False,0,3.21,24.89
LI-2024-INS004-002010,2000-01-21,5,24,29,1976,male,never_smoker,33.1,67,211,AR,USA,single,high_school,light_blue_collar,93226.23,0.5257,full_paramedical,130,65,175,62,2.82,98,5.9,False,80.2,,False,False,True,False,False,none,,none,none,none,0,False,True,False,False,False,standard_plus,,,False,False,False,False,22,UW-326,0.94,indexed_ul,500000,annual,1117.54,,10yr_declining,867.18,,,False,none,worksite,False,False,False,0.001394,0.001444,SOA_2015_VBT,SOA_Scale_MP2023,0.937,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0461,False,normal_rate,2.86,1.1,True,False,False,False,False,0.859,70.0,58.2,super_preferred_longevity,100.0,baseline,1.106,0.68,True,51.5,False,,499132.82,9770.7,9139.44,8940.32,2123.33,False,0,4.81,17.74
LI-2024-INS004-002011,2023-06-08,3,52,55,1971,male,never_smoker,23.4,70,162,WV,USA,single,high_school,heavy_blue_collar,79217.77,0.5117,full_paramedical,116,77,267,62,4.31,72,5.5,False,71.2,1.99,False,True,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,substandard_table_5,1.4,5.0,False,False,False,False,20,UW-361,2.25,universal_life,100000,monthly,910.23,,15yr_declining,647.0,,,False,none,employer_group,False,False,False,0.008025,0.030421,SOA_2015_VBT,SOA_Scale_MP2023,2.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010032,0.018,False,,1.0,False,,,,0.08,0.0558,False,normal_rate,1.09,0.82,False,False,False,False,False,0.915,39.1,40.2,super_preferred_longevity,80.5,baseline,1.116,0.459,True,67.7,False,,99353.0,7179.03,6597.75,7281.84,1729.44,False,0,-1.07,-8.91
LI-2024-INS004-002012,2016-07-07,11,56,67,1960,female,current_smoker,30.5,65,183,CT,USA,married,some_college,white_collar,20000.0,0.4728,full_paramedical,146,90,226,60,3.77,110,,True,76.7,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-183,2.0,term_life,2000000,annual,19817.94,20.0,none,,,,True,none,employer_group,False,False,False,0.033099,0.114002,SOA_2015_VBT,SOA_Scale_MP2023,2.134,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033099,0.015,False,,1.0,False,,,,0.03,0.0476,False,normal_rate,2.93,0.83,False,True,False,False,False,0.789,37.1,26.1,standard_longevity,58.7,baseline,1.145,0.497,False,,False,,2000000.0,170491.72,165499.03,158543.52,37654.09,False,0,3.31,-11.12
LI-2024-INS004-002013,2008-09-25,17,46,63,1962,male,never_smoker,23.1,66,142,NM,USA,divorced,bachelors,white_collar,227061.17,0.4383,accelerated_UW,125,70,215,48,4.48,113,4.9,False,,3.22,False,False,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,37,UW-400,2.5,universal_life,250000,semi_annual,3326.8,,10yr_declining,4058.61,,,False,none,captive_agent,False,False,False,0.015082,0.069666,SOA_2015_VBT,SOA_Scale_MP2023,2.663,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022623,0.015,False,,1.0,False,,,,0.04,0.054,False,normal_rate,3.35,0.87,False,False,False,False,False,0.789,43.3,27.5,preferred_longevity,60.3,baseline,1.171,0.327,True,48.2,False,,245941.39,27840.32,27554.86,26614.4,6320.92,False,0,5.01,-19.2
LI-2024-INS004-002014,2021-06-27,4,67,71,1954,male,never_smoker,29.8,60,152,PA,USA,widowed,high_school,heavy_blue_collar,74335.92,0.627,full_paramedical,103,56,223,41,5.44,88,,False,,9.11,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,1.42,4.0,False,False,False,False,4,UW-199,2.0,universal_life,1000000,annual,12327.7,,10yr_declining,9035.06,,,True,quota_share,worksite,False,False,False,0.027689,0.090664,SOA_2015_VBT,SOA_Scale_MP2023,2.062,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027689,0.012,True,0.00418,1.0,False,,,,0.08,0.0431,False,normal_rate,1.91,0.8,False,False,False,False,False,0.758,21.6,17.6,standard_longevity,48.3,baseline,1.03,0.682,False,,False,,990964.94,91685.32,83022.84,86787.01,25789.55,False,0,4.84,1.12
LI-2024-INS004-002015,2022-04-12,5,41,46,1981,female,never_smoker,19.2,62,105,HI,USA,single,high_school,light_blue_collar,20378.53,0.6877,simplified_issue,101,68,147,56,2.62,82,5.4,False,79.0,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-188,2.25,whole_life,2000000,monthly,18915.56,,none,13960.85,,,True,excess_of_loss,captive_agent,False,False,False,0.003155,0.018261,SOA_2015_VBT,SOA_Scale_MP2023,2.432,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.02,True,0.00677,1.0,False,,,,0.04,0.1704,False,normal_rate,2.96,2.44,False,False,False,True,False,0.967,56.5,56.3,super_preferred_longevity,100.0,baseline,0.984,0.604,True,61.7,False,,1986039.15,147009.26,135513.17,151324.48,35939.56,False,0,0.05,-8.68
LI-2024-INS004-002016,2022-06-14,3,44,47,1978,female,former_smoker,24.1,60,123,UT,USA,single,graduate,white_collar,296935.38,0.5113,full_paramedical,156,97,209,51,4.1,75,4.9,False,,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-026,2.25,term_life,500000,quarterly,4743.95,20.0,none,,,,False,none,independent_broker,False,False,False,0.004421,0.023092,SOA_2015_VBT,SOA_Scale_MP2023,2.389,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005526,0.018,True,0.00577,1.0,False,,,,0.07,0.0904,False,normal_rate,1.52,1.17,False,True,False,False,False,0.934,52.2,49.2,super_preferred_longevity,94.0,baseline,1.117,0.484,False,,False,,500000.0,36054.56,37654.34,37951.6,9013.51,False,0,3.02,-15.23
LI-2024-INS004-002017,2018-09-16,8,75,83,1943,female,never_smoker,25.5,72,187,MI,USA,married,some_college,white_collar,84976.57,0.5025,full_paramedical,129,69,232,44,5.27,111,,False,66.3,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-305,2.25,universal_life,1000000,monthly,16454.15,,15yr_declining,13163.49,,,True,excess_of_loss,captive_agent,False,False,False,0.060209,0.236674,SOA_2015_VBT,SOA_Scale_MP2023,2.387,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.075261,0.008,False,,1.0,False,,,,0.06,0.035,False,normal_rate,2.58,2.18,False,False,False,False,False,0.86,15.1,7.1,sub_standard_longevity,30.7,baseline,1.123,0.477,False,,False,,986836.51,50816.14,46126.08,46729.79,48243.57,False,0,0.23,-10.72
LI-2024-INS004-002018,2018-02-01,9,69,78,1949,female,former_smoker,29.2,66,180,MD,USA,single,bachelors,heavy_blue_collar,81219.93,0.5598,non_med_guaranteed,123,79,261,50,5.22,84,,False,70.4,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,1.4,1.0,False,False,False,False,28,UW-120,1.25,term_life,100000,monthly,745.06,20.0,none,,,,False,none,captive_agent,False,False,False,0.053286,0.090218,SOA_2015_VBT,SOA_Scale_MP2023,1.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013322,0.008,False,,1.0,False,,,,0.05,0.0626,False,normal_rate,2.34,0.79,False,False,False,False,False,0.797,22.2,13.2,standard_longevity,40.7,baseline,1.08,0.426,False,,False,,100000.0,3577.52,3415.63,3933.92,1820.93,False,0,1.62,7.02
LI-2024-INS004-002019,2019-06-20,8,61,69,1958,male,former_smoker,22.4,71,160,PA,USA,married,bachelors,light_blue_collar,20000.0,0.8653,accelerated_UW,139,93,151,59,2.56,60,,False,70.5,9.08,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,True,21,UW-225,1.0,universal_life,250000,semi_annual,1642.11,,10yr_declining,1425.06,,,False,none,independent_broker,False,False,False,0.031725,0.027188,SOA_2015_VBT,SOA_Scale_MP2023,1.007,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0272,False,normal_rate,4.47,1.71,False,False,False,False,False,0.76,29.1,21.1,standard_longevity,57.1,baseline,0.851,0.784,False,,False,,248574.94,13065.94,11817.42,13136.88,3120.01,False,0,4.94,28.41
LI-2024-INS004-002020,2022-06-04,1,25,26,1997,female,never_smoker,39.7,69,268,WY,USA,single,some_college,white_collar,25778.56,0.8667,non_med_guaranteed,131,82,256,48,5.33,100,5.6,False,95.9,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-470,1.5,universal_life,1000000,semi_annual,2838.91,,15yr_declining,1848.46,,,True,excess_of_loss,bank,False,False,False,0.000983,0.005264,SOA_2015_VBT,SOA_Scale_MP2023,1.627,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000491,0.022,True,0.00341,1.0,False,,,,0.12,0.0544,False,normal_rate,3.89,0.68,True,False,False,False,False,0.845,70.0,61.2,super_preferred_longevity,100.0,baseline,0.85,0.906,True,67.1,False,,998151.54,23133.45,22857.45,22711.28,5393.93,False,0,1.38,1.41
LI-2024-INS004-002021,2009-02-24,16,23,39,1986,female,never_smoker,24.4,61,128,OH,USA,married,graduate,white_collar,20991.35,0.8571,full_paramedical,120,70,208,65,3.2,88,4.6,False,75.7,,True,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-109,2.0,term_life,250000,monthly,1457.32,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001936,0.005474,SOA_2015_VBT,SOA_Scale_MP2023,2.133,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001936,0.02,False,,1.0,False,,,,0.03,0.0426,False,normal_rate,4.2,1.81,False,False,False,False,False,0.772,70.0,54.0,super_preferred_longevity,100.0,baseline,0.857,0.866,False,,False,,250000.0,11334.72,12113.37,11658.56,2768.91,False,0,3.99,-5.46
LI-2024-INS004-002022,2019-01-11,8,18,26,2001,female,never_smoker,23.1,64,134,FL,USA,married,bachelors,light_blue_collar,76513.62,0.2609,full_paramedical,110,54,141,62,2.27,95,5.8,False,80.6,,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,preferred_plus,,,False,False,False,False,14,UW-075,0.63,term_life,500000,monthly,647.52,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.000983,0.000845,SOA_2015_VBT,SOA_Scale_MP2023,0.659,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.1044,False,normal_rate,4.52,1.51,False,False,False,False,False,0.925,70.0,55.0,super_preferred_longevity,98.9,baseline,1.304,0.359,False,,False,,500000.0,5437.0,4919.71,5180.16,1230.29,False,0,3.48,26.68
LI-2024-INS004-002023,2017-12-16,4,60,64,1957,male,never_smoker,21.6,62,117,DE,USA,single,bachelors,white_collar,49511.74,0.5403,limited_exam,139,93,156,73,2.14,110,,True,,1.8,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-141,1.5,annuity_deferred,5000000,quarterly,38457.36,,none,29223.48,,,True,facultative,independent_broker,False,False,False,0.031238,0.068489,SOA_2015_VBT,SOA_Scale_MP2023,1.546,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015619,0.012,False,,1.0,True,2025-10-29,non_payment,4.0,0.04,0.0507,False,normal_rate,1.98,0.56,False,False,False,False,False,0.904,28.7,24.7,standard_longevity,57.7,baseline,1.095,0.611,False,,False,,4970776.52,279154.94,319429.19,307658.88,73068.98,False,0,1.41,10.69
LI-2024-INS004-002024,2010-03-24,2,71,73,1939,female,current_smoker,34.6,69,234,CT,USA,married,graduate,white_collar,60067.68,0.5738,limited_exam,141,89,209,28,7.46,108,4.6,True,,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,34,UW-356,2.75,universal_life,1000000,annual,14526.99,,10yr_declining,9380.35,,,True,excess_of_loss,bank,True,False,False,0.052894,0.249794,SOA_2015_VBT,SOA_Scale_MP2023,2.779,cardiovascular,True,2011-07-31,True,True,1715753.18,0.0007,5e-05,1.095,0.092564,0.005,False,,1.0,True,2026-04-08,voluntary_surrender,2.0,0.08,0.0447,False,normal_rate,4.87,2.7,False,False,False,False,False,0.932,18.5,16.5,standard_longevity,45.9,baseline,1.07,0.716,False,,False,,990619.65,87642.82,100208.92,95878.13,31668.84,False,0,-0.25,-20.0
LI-2024-INS004-002025,2007-02-13,1,30,31,1977,female,never_smoker,29.3,69,198,NV,USA,single,bachelors,professional,50587.11,0.5011,full_paramedical,126,78,171,48,3.56,101,5.1,False,74.8,,False,True,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-128,2.0,universal_life,2000000,annual,9391.37,,10yr_declining,5803.86,,,True,excess_of_loss,independent_broker,True,False,False,0.001226,0.004225,SOA_2015_VBT,SOA_Scale_MP2023,2.177,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001226,0.018,False,,1.0,False,,,,0.12,0.0702,False,normal_rate,4.13,2.22,False,False,False,False,False,0.891,66.0,55.0,super_preferred_longevity,100.0,baseline,1.124,0.447,False,,False,,1994196.14,70696.39,67612.47,75130.96,17843.6,False,0,1.63,-11.06
LI-2024-INS004-002026,2021-10-22,6,18,24,2003,female,current_smoker,23.2,66,143,MI,USA,married,bachelors,white_collar,90617.3,0.3784,full_paramedical,117,66,168,39,4.31,69,,True,96.6,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,6,UW-431,2.5,whole_life,1000000,annual,5140.14,,none,3722.9,,,True,coinsurance,captive_agent,False,False,False,0.001825,0.012927,SOA_2015_VBT,SOA_Scale_MP2023,2.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002738,0.012,True,0.00425,1.0,False,,,,0.02,0.0279,False,normal_rate,4.31,2.57,False,False,False,False,False,0.876,70.0,55.0,super_preferred_longevity,100.0,baseline,1.216,0.342,False,,False,,996277.1,43746.05,41891.75,41121.12,9766.27,False,0,5.43,-20.0
LI-2024-INS004-002027,2020-11-28,2,60,62,1960,female,never_smoker,16.2,60,90,TN,USA,single,high_school,white_collar,21401.74,0.5418,full_paramedical,125,81,196,62,3.16,101,5.4,False,70.2,,True,True,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,standard_plus,,,False,False,False,False,21,UW-084,0.97,universal_life,500000,quarterly,2235.37,,10yr_declining,1414.2,,,True,facultative,independent_broker,True,False,False,0.010743,0.015181,SOA_2015_VBT,SOA_Scale_MP2023,0.939,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00415,1.0,False,,,,0.08,0.0456,False,normal_rate,4.26,2.92,False,False,False,False,False,0.769,33.4,31.4,preferred_longevity,67.7,baseline,1.094,0.779,False,,False,,498585.8,16324.43,16922.86,17882.96,4247.2,False,0,3.87,20.24
LI-2024-INS004-002028,2018-09-25,9,76,85,1942,female,never_smoker,31.0,64,180,IA,USA,single,bachelors,professional,109125.35,0.3607,full_paramedical,177,107,235,41,5.73,125,5.4,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-379,2.25,term_life,500000,semi_annual,7761.29,15.0,none,,,,False,none,captive_agent,False,False,False,0.070875,0.29921,SOA_2015_VBT,SOA_Scale_MP2023,2.417,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.088594,0.008,False,,1.0,False,,,,0.05,0.0706,False,normal_rate,2.88,2.47,False,False,False,False,False,0.809,13.4,4.4,sub_standard_longevity,24.5,baseline,1.229,0.383,False,,False,,500000.0,13019.97,14002.22,13659.87,24432.54,False,0,2.93,-14.04
LI-2024-INS004-002029,2023-11-14,2,47,49,1976,male,never_smoker,24.1,63,136,IN,USA,married,bachelors,white_collar,20000.0,0.4951,full_paramedical,130,87,225,45,5.0,82,5.4,False,105.0,1.95,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-058,1.25,term_life,250000,monthly,1374.95,15.0,none,,,,True,none,independent_broker,False,False,False,0.004956,0.008544,SOA_2015_VBT,SOA_Scale_MP2023,1.306,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001239,0.018,False,,1.0,False,,,,0.07,0.0913,False,normal_rate,2.26,2.91,False,False,False,False,False,0.83,44.8,45.5,super_preferred_longevity,88.2,baseline,1.129,0.393,True,53.0,False,,250000.0,11071.91,9715.53,10999.6,2612.4,False,0,0.7,8.92
LI-2024-INS004-002030,2003-02-18,22,67,89,1936,female,never_smoker,28.1,65,168,MO,USA,married,some_college,light_blue_collar,20000.0,0.6091,full_paramedical,146,94,271,36,7.53,94,,False,66.4,,False,False,False,False,False,none,,none,none,schizophrenia,9,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,31,UW-138,2.25,term_life,1000000,monthly,15255.97,20.0,none,,,,True,quota_share,worksite,True,False,False,0.103283,0.397707,SOA_2015_VBT,SOA_Scale_MP2023,2.493,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.129104,0.005,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,5.84,0.55,False,False,False,False,True,0.765,22.2,1.0,sub_standard_longevity,23.1,baseline,1.043,0.646,False,,False,,1000000.0,5734.63,5939.16,6102.39,52175.42,False,0,3.46,-20.0
LI-2024-INS004-002031,2014-12-05,3,51,54,1963,male,current_smoker,30.3,69,205,OR,USA,divorced,bachelors,white_collar,56470.5,0.8975,full_paramedical,140,88,255,56,4.55,78,5.4,True,88.4,4.75,False,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,23,UW-059,1.75,whole_life,1000000,monthly,6945.1,,none,4593.71,,,True,none,employer_group,False,False,False,0.014344,0.033328,SOA_2015_VBT,SOA_Scale_MP2023,1.903,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010758,0.015,False,,1.0,False,,,,0.04,0.0471,False,normal_rate,3.54,0.65,False,False,False,False,False,0.878,40.2,36.2,super_preferred_longevity,80.3,baseline,0.827,0.847,True,23.9,False,,995406.29,55951.3,58272.12,55560.8,13195.69,False,0,0.97,3.93
LI-2024-INS004-002032,2008-10-21,19,79,98,1929,female,never_smoker,20.9,60,106,TN,USA,married,bachelors,professional,29346.8,0.5551,limited_exam,150,81,244,50,4.88,66,5.4,False,,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-054,1.5,whole_life,100000,quarterly,1304.47,,none,1743.07,,,False,none,direct_to_consumer,False,False,False,0.158438,0.352387,SOA_2015_VBT,SOA_Scale_MP2023,1.591,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.079219,0.012,False,,1.0,False,,,,0.015,0.0264,False,normal_rate,4.56,1.19,False,False,False,False,False,0.949,12.5,1.0,sub_standard_longevity,32.3,baseline,1.084,0.563,False,,False,,98256.93,528.21,469.79,521.79,4461.29,False,0,-1.54,8.33
LI-2024-INS004-002033,2018-12-28,4,19,23,1999,male,never_smoker,22.9,63,129,WA,USA,single,graduate,light_blue_collar,90672.96,0.503,limited_exam,125,86,197,45,4.38,102,,False,108.5,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-238,2.0,universal_life,250000,annual,1018.02,,15yr_declining,677.73,,,True,quota_share,independent_broker,False,False,False,0.001103,0.003587,SOA_2015_VBT,SOA_Scale_MP2023,2.007,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001103,0.022,False,,1.0,False,,,,0.08,0.0467,False,normal_rate,3.04,2.26,False,False,False,False,False,0.998,70.0,53.5,super_preferred_longevity,100.0,baseline,1.123,0.595,False,,True,-1.003,249322.27,8724.62,7453.52,8144.16,1934.24,False,0,3.87,-9.27
LI-2024-INS004-002034,2009-06-20,1,41,42,1968,male,never_smoker,18.8,61,99,NY,USA,divorced,high_school,light_blue_collar,33301.16,0.7732,full_paramedical,114,68,152,57,2.67,81,,False,76.9,3.09,True,False,False,False,False,none,,none,none,anxiety,24,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,30,UW-323,1.75,universal_life,250000,monthly,1661.76,,15yr_declining,1044.33,,,False,none,employer_group,False,False,False,0.002957,0.007324,SOA_2015_VBT,SOA_Scale_MP2023,1.877,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002218,0.015,False,,1.0,False,,,,0.12,0.0701,False,normal_rate,3.88,1.35,False,False,False,False,False,0.755,50.5,49.5,super_preferred_longevity,98.3,baseline,0.92,0.703,False,,False,,248955.67,14581.92,11483.13,13294.08,3157.34,False,0,2.49,4.22
LI-2024-INS004-002035,2019-02-10,6,60,66,1959,female,current_smoker,37.0,61,196,TX,USA,married,some_college,hazardous,106511.79,0.5452,full_paramedical,145,88,227,44,5.16,101,5.0,True,,,False,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,1,False,True,False,False,False,standard,4.58,,True,True,False,False,24,UW-177,1.0,universal_life,1000000,monthly,6282.33,,10yr_declining,5082.49,,,True,excess_of_loss,independent_broker,False,False,False,0.03044,0.033678,SOA_2015_VBT,SOA_Scale_MP2023,1.014,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0341,False,normal_rate,2.73,0.79,False,False,False,False,False,0.959,33.0,27.0,preferred_longevity,61.2,baseline,1.091,0.518,False,,False,,994917.51,45854.84,45619.0,50258.64,11936.43,False,0,2.53,18.16
LI-2024-INS004-002036,2016-10-04,3,48,51,1968,female,never_smoker,30.7,62,167,MS,USA,married,some_college,hazardous,152293.48,0.4287,full_paramedical,119,68,207,45,4.6,110,5.1,False,87.5,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,4.95,,True,False,False,False,21,UW-288,0.83,term_life,250000,annual,830.49,25.0,none,,,,False,none,independent_broker,False,False,False,0.004641,0.004594,SOA_2015_VBT,SOA_Scale_MP2023,0.84,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.095,False,normal_rate,2.1,2.2,False,False,False,False,False,0.815,46.1,43.1,super_preferred_longevity,83.6,baseline,1.178,0.342,False,,False,,250000.0,6957.32,6301.55,6643.92,1577.93,False,0,2.65,23.98
LI-2024-INS004-002037,2007-03-16,5,61,66,1946,male,never_smoker,20.3,67,129,TX,USA,married,bachelors,light_blue_collar,43202.13,0.9446,full_paramedical,124,85,198,43,4.6,75,,False,74.5,5.99,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-203,1.25,term_life,500000,annual,3425.03,20.0,none,,,,False,none,independent_broker,False,False,False,0.017559,0.023001,SOA_2015_VBT,SOA_Scale_MP2023,1.339,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00439,0.008,False,,1.0,False,,,,0.07,0.0661,False,normal_rate,3.54,1.43,False,False,False,False,False,0.84,27.3,22.3,preferred_longevity,60.1,baseline,0.792,0.963,False,,False,,500000.0,24828.68,27389.88,27400.24,6507.56,False,0,2.62,22.91
LI-2024-INS004-002038,2000-05-07,26,34,60,1966,female,never_smoker,27.7,62,151,WI,USA,married,less_than_hs,white_collar,20000.0,0.5695,simplified_issue,137,87,234,43,5.44,116,4.6,False,,,False,True,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-477,2.25,term_life,100000,quarterly,1046.12,20.0,none,,,,False,none,bank,False,False,False,0.009766,0.035867,SOA_2015_VBT,SOA_Scale_MP2023,2.258,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012208,0.015,False,,1.0,False,,,,0.03,0.0373,False,normal_rate,4.28,0.54,False,False,False,False,False,0.857,60.4,34.4,preferred_longevity,72.6,baseline,1.073,0.716,False,,False,,100000.0,7646.56,8668.17,8368.96,1987.63,False,0,3.05,-13.09
LI-2024-INS004-002039,2010-08-14,17,29,46,1981,female,former_smoker,32.1,65,193,NH,USA,married,bachelors,light_blue_collar,134292.0,0.9048,limited_exam,119,74,214,41,5.22,107,6.2,False,,,False,False,False,False,False,none,,pre_diabetes,none,none,5,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,46,UW-151,1.25,term_life,250000,monthly,1266.5,20.0,none,,,,False,none,captive_agent,False,False,False,0.004101,0.005798,SOA_2015_VBT,SOA_Scale_MP2023,1.417,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001025,0.02,False,,1.0,False,,,,0.03,0.0293,False,normal_rate,3.5,2.23,False,False,False,False,False,0.783,69.4,52.4,super_preferred_longevity,100.0,baseline,0.821,0.901,False,,False,,250000.0,10377.51,10201.69,10132.0,2406.35,False,0,2.69,18.76
LI-2024-INS004-002040,2000-03-06,21,39,60,1961,male,never_smoker,20.6,70,143,CT,USA,married,some_college,white_collar,184012.44,0.7738,full_paramedical,123,65,236,41,5.76,79,5.3,False,89.9,4.12,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-465,1.25,whole_life,250000,monthly,1357.85,,none,1974.59,,,False,none,bank,False,False,False,0.011492,0.018525,SOA_2015_VBT,SOA_Scale_MP2023,1.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002873,0.015,False,,1.0,False,,,,0.015,0.0162,False,normal_rate,2.7,1.97,False,False,False,False,False,0.915,51.4,30.4,preferred_longevity,69.7,baseline,0.92,0.912,False,,False,,248025.41,11331.5,9285.29,10862.8,2579.91,False,0,3.76,19.09
LI-2024-INS004-002041,2004-08-17,19,43,62,1961,male,never_smoker,25.9,67,165,AZ,USA,single,bachelors,light_blue_collar,22497.89,0.383,full_paramedical,125,75,176,44,4.0,105,,False,,3.75,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,57,UW-174,2.0,annuity_deferred,1000000,monthly,10589.54,,none,14230.92,,,True,coinsurance,independent_broker,False,True,False,0.013633,0.048683,SOA_2015_VBT,SOA_Scale_MP2023,2.12,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013633,0.015,False,,1.0,False,,,,0.01,0.0139,False,normal_rate,2.9,1.25,False,False,False,False,False,0.849,45.9,29.5,preferred_longevity,62.5,baseline,1.213,0.323,True,62.9,False,,985769.08,88435.13,76224.65,84716.32,20120.13,False,0,4.83,-10.92
LI-2024-INS004-002042,2022-09-22,2,18,20,2004,female,never_smoker,25.2,60,128,IA,USA,married,graduate,heavy_blue_collar,95588.5,0.5686,full_paramedical,123,78,176,57,3.09,83,,False,86.0,,True,False,False,False,False,none,,none,none,schizophrenia,0,True,False,False,False,False,substandard_table_5,4.47,5.0,True,False,False,False,8,UW-254,2.25,universal_life,2000000,semi_annual,8169.23,,10yr_declining,5090.73,,,True,none,independent_broker,True,False,False,0.000805,0.008839,SOA_2015_VBT,SOA_Scale_MP2023,2.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001007,0.012,True,0.00572,1.0,False,,,,0.08,0.0448,False,normal_rate,2.62,2.79,False,False,False,False,False,0.92,70.0,58.5,super_preferred_longevity,100.0,baseline,1.074,0.676,True,53.2,False,,1994909.27,61821.6,61884.7,65353.84,15521.54,False,0,0.98,-11.84
LI-2024-INS004-002043,2003-01-12,1,66,67,1937,female,never_smoker,29.3,69,198,MO,USA,married,some_college,professional,24293.35,0.7783,full_paramedical,144,96,263,50,5.26,95,,False,,,True,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-285,2.0,universal_life,1000000,quarterly,11332.56,,15yr_declining,6714.6,,,True,quota_share,employer_group,False,False,False,0.015511,0.046196,SOA_2015_VBT,SOA_Scale_MP2023,2.159,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015511,0.005,False,,1.0,False,,,,0.12,0.0698,False,normal_rate,2.48,2.04,False,False,False,False,False,0.885,27.1,26.1,preferred_longevity,73.3,baseline,0.916,0.742,False,,False,,993285.4,84735.77,81260.25,90660.48,21531.86,False,0,1.41,-5.04
LI-2024-INS004-002044,2023-06-22,1,79,80,1944,female,never_smoker,22.1,64,128,SD,USA,divorced,bachelors,white_collar,63222.11,0.2909,full_paramedical,129,80,236,51,4.63,68,5.5,False,76.4,,False,False,True,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-147,1.25,universal_life,1000000,monthly,9215.91,,15yr_declining,5322.38,,,True,none,captive_agent,False,False,False,0.046847,0.095181,SOA_2015_VBT,SOA_Scale_MP2023,1.39,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011712,0.008,False,,1.0,True,2025-08-12,non_payment,1.0,0.12,0.1109,False,normal_rate,3.89,0.83,False,False,False,False,False,0.809,13.4,12.4,standard_longevity,45.5,baseline,1.282,0.356,False,,False,,994677.62,46941.28,46044.05,45710.91,23113.5,False,0,2.3,3.5
LI-2024-INS004-002045,2017-04-06,2,63,65,1954,female,current_smoker,30.1,60,153,KS,USA,married,bachelors,professional,47415.95,0.6401,full_paramedical,139,77,243,41,5.93,86,4.8,True,91.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,21,UW-451,2.75,term_life,500000,quarterly,8334.43,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.026278,0.125908,SOA_2015_VBT,SOA_Scale_MP2023,2.982,cancer,True,2017-09-14,True,True,361666.91,0.0007,5e-05,1.095,0.045986,0.012,False,,1.0,False,,,,0.07,0.1164,False,normal_rate,3.29,2.33,False,False,False,False,False,0.859,29.6,32.8,preferred_longevity,71.3,baseline,1.02,0.668,True,87.7,True,-0.128,500000.0,71424.41,60513.39,66675.44,15835.42,False,0,2.15,-20.0
LI-2024-INS004-002046,2019-11-11,2,42,44,1977,female,current_smoker,32.8,66,203,IN,USA,widowed,some_college,hazardous,41148.81,0.3438,full_paramedical,124,78,235,49,4.8,108,5.1,True,89.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,substandard_table_7,4.79,7.0,True,False,False,False,17,UW-167,2.75,whole_life,500000,semi_annual,5339.01,,none,3481.28,,,False,none,captive_agent,False,False,False,0.005449,0.028162,SOA_2015_VBT,SOA_Scale_MP2023,2.752,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009536,0.018,False,,1.0,False,,,,0.04,0.057,False,normal_rate,3.03,1.37,True,False,False,False,False,0.883,53.4,51.4,super_preferred_longevity,94.8,baseline,1.242,0.204,False,,False,,496518.72,44374.09,38683.57,42712.08,10144.12,False,0,-4.16,-20.0
LI-2024-INS004-002047,2002-10-01,20,69,89,1933,male,never_smoker,32.5,72,239,AR,USA,married,bachelors,light_blue_collar,307997.57,0.1484,accelerated_UW,134,82,222,29,7.66,110,5.6,False,,20.0,False,False,False,False,False,none,,none,none,bipolar,12,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,6,UW-139,2.0,universal_life,500000,monthly,7488.93,,10yr_declining,9924.53,,,False,none,independent_broker,False,False,False,0.127177,0.481106,SOA_2015_VBT,SOA_Scale_MP2023,2.004,cardiovascular,True,2022-03-12,False,False,667254.67,0.0007,5e-05,1.095,0.127177,0.005,False,,1.0,False,,,,0.04,0.0633,False,normal_rate,1.94,2.6,False,False,False,False,False,0.86,13.9,1.0,sub_standard_longevity,16.2,baseline,1.389,0.298,False,,False,,490075.47,3167.98,2951.82,2995.57,25612.14,False,0,3.12,-10.0
LI-2024-INS004-002048,2006-01-19,3,18,21,1988,female,unknown,23.7,59,117,MD,USA,divorced,some_college,professional,168722.05,0.8525,full_paramedical,97,64,202,36,5.61,71,5.0,False,,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-033,1.25,whole_life,250000,semi_annual,577.21,,none,375.64,,,False,none,captive_agent,False,False,False,0.000953,0.001281,SOA_2015_VBT,SOA_Scale_MP2023,1.272,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000238,0.02,False,,1.0,False,,,,0.04,0.0407,False,normal_rate,3.88,1.77,False,False,False,False,False,0.953,70.0,55.0,super_preferred_longevity,100.0,baseline,0.861,0.626,False,,False,,249624.36,5044.2,4644.66,4617.68,1096.7,False,0,2.77,8.73
LI-2024-INS004-002049,2017-01-19,5,27,32,1990,female,never_smoker,32.3,72,238,KY,USA,married,bachelors,heavy_blue_collar,63591.34,0.6696,limited_exam,114,75,221,71,3.11,88,5.2,False,81.6,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,standard_plus,1.29,,False,False,False,False,15,UW-387,0.93,whole_life,500000,annual,1161.72,,none,887.62,,,False,none,bank,False,False,False,0.001289,0.001273,SOA_2015_VBT,SOA_Scale_MP2023,0.99,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.04,0.0466,False,normal_rate,2.33,2.55,False,False,False,False,False,0.873,70.0,55.0,super_preferred_longevity,100.0,baseline,0.998,0.666,False,,False,,499112.38,9010.73,8029.35,9293.76,2207.27,False,0,5.02,21.34
LI-2024-INS004-002050,2003-08-04,5,52,57,1951,male,current_smoker,29.4,66,182,AZ,USA,married,graduate,light_blue_collar,78699.64,0.5986,full_paramedical,128,87,194,44,4.41,116,4.9,True,85.4,3.41,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,True,False,False,False,standard,,,False,True,False,False,7,UW-117,1.0,indexed_ul,500000,annual,2470.54,,15yr_declining,1918.71,,,True,none,bank,False,False,False,0.016007,0.017614,SOA_2015_VBT,SOA_Scale_MP2023,1.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.044,False,normal_rate,3.39,2.13,False,False,False,False,False,0.965,36.0,31.0,preferred_longevity,68.0,baseline,1.051,0.726,False,,False,,498081.29,20896.92,19337.13,19764.32,4694.03,False,0,5.81,16.78
LI-2024-INS004-002051,2009-06-18,11,60,71,1949,female,never_smoker,36.0,67,229,WV,USA,married,high_school,light_blue_collar,83345.47,0.9419,full_paramedical,151,104,200,45,4.44,113,5.1,False,,,False,True,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-290,2.0,term_life,250000,monthly,2940.68,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.022246,0.057678,SOA_2015_VBT,SOA_Scale_MP2023,2.007,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022246,0.008,False,,1.0,False,,,,0.03,0.0398,False,normal_rate,2.9,1.22,False,False,False,False,False,0.866,32.8,21.8,standard_longevity,59.3,baseline,0.794,0.722,False,,False,,250000.0,24065.87,22972.01,23525.44,5587.29,False,0,2.79,-1.78
LI-2024-INS004-002052,2007-04-28,12,44,56,1963,female,former_smoker,23.8,69,160,VT,USA,single,high_school,white_collar,24963.43,0.8341,full_paramedical,120,77,206,68,3.03,77,4.7,False,81.8,,False,False,False,True,True,colorectal,6.4,none,none,anxiety,2,False,False,False,False,True,declined,,,False,False,True,False,37,UW-096,7.0,indexed_ul,500000,semi_annual,17744.14,,15yr_declining,18186.67,,,False,none,bank,False,False,False,0.008797,0.106755,SOA_2015_VBT,SOA_Scale_MP2023,7.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.052784,0.015,False,,1.0,False,,,,0.04,0.0186,False,normal_rate,4.07,1.69,False,False,False,False,False,0.784,51.0,39.0,super_preferred_longevity,83.5,baseline,0.874,0.955,False,,False,,481813.33,144638.85,145360.45,141953.12,33713.87,False,0,-5.0,-20.0
LI-2024-INS004-002053,2019-07-12,2,56,58,1963,male,never_smoker,17.6,64,102,MD,USA,single,less_than_hs,hazardous,138868.0,0.4166,full_paramedical,137,78,181,67,2.7,70,,False,98.9,1.53,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,3.27,5.0,True,False,False,False,23,UW-267,2.25,whole_life,5000000,semi_annual,51244.02,,none,31987.0,,,True,none,employer_group,False,False,False,0.01,0.039291,SOA_2015_VBT,SOA_Scale_MP2023,2.256,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0125,0.015,False,,1.0,False,,,,0.04,0.0656,False,normal_rate,3.5,1.27,False,False,False,False,False,0.772,33.3,31.3,preferred_longevity,65.7,baseline,1.188,0.299,False,,False,,4968013.0,425439.42,405416.02,409952.16,97363.64,False,0,3.05,-17.15
LI-2024-INS004-002054,2015-05-16,5,58,63,1957,male,never_smoker,21.3,71,152,CO,USA,married,some_college,light_blue_collar,93554.68,0.744,limited_exam,117,72,190,77,2.47,102,,False,71.4,2.55,False,False,True,False,False,none,,none,none,schizophrenia,10,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,30,UW-426,2.25,term_life,2000000,monthly,22678.22,20.0,none,,,,True,coinsurance,bank,False,False,False,0.014329,0.049401,SOA_2015_VBT,SOA_Scale_MP2023,2.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017911,0.012,False,,1.0,False,,,,0.07,0.0773,False,normal_rate,1.08,1.84,False,False,False,False,False,0.875,34.5,29.5,preferred_longevity,77.9,baseline,0.942,0.738,False,,False,,2000000.0,177947.37,156858.17,181425.76,43088.62,False,0,-2.49,-11.16
LI-2024-INS004-002055,2024-04-10,2,70,72,1954,female,unknown,32.0,65,192,WI,USA,single,some_college,white_collar,232773.14,0.6141,full_paramedical,130,78,161,47,3.43,134,4.7,False,87.2,,False,False,False,False,False,none,,none,none,depression,13,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-011,1.25,universal_life,500000,annual,4132.59,,15yr_declining,2777.91,,,False,none,worksite,False,False,False,0.0278,0.049976,SOA_2015_VBT,SOA_Scale_MP2023,1.489,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00695,0.012,False,,1.0,False,,,,0.08,0.0435,False,normal_rate,4.41,0.72,False,False,False,False,False,0.785,22.5,20.5,standard_longevity,52.5,baseline,1.039,0.81,False,,False,,497222.09,30694.63,30351.47,33060.72,7851.92,False,0,1.63,10.28
LI-2024-INS004-002056,2012-06-13,3,69,72,1943,female,never_smoker,17.8,66,110,TX,USA,married,high_school,white_collar,101653.27,0.3206,limited_exam,111,74,231,63,3.67,69,,False,80.4,,False,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,standard_plus,,,False,False,False,False,46,UW-117,0.95,whole_life,2000000,annual,12862.9,,none,9263.11,,,True,none,direct_to_consumer,False,False,False,0.023135,0.027974,SOA_2015_VBT,SOA_Scale_MP2023,0.96,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,True,2025-06-26,non_payment,3.0,0.04,0.0808,False,normal_rate,1.02,1.93,False,False,False,False,False,0.856,20.4,17.4,standard_longevity,43.4,baseline,1.26,0.339,False,,False,,1990736.89,97587.15,82256.86,89525.78,27114.99,False,0,3.82,17.14
LI-2024-INS004-002057,2006-09-16,16,21,37,1985,female,never_smoker,27.4,61,145,HI,USA,divorced,bachelors,white_collar,109878.29,0.471,full_paramedical,121,69,181,59,3.07,109,,False,100.4,,False,False,True,False,False,none,,none,none,schizophrenia,9,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,30,UW-206,2.25,term_life,1000000,quarterly,7116.11,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001707,0.006624,SOA_2015_VBT,SOA_Scale_MP2023,2.293,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,False,,1.0,False,,,,0.03,0.0397,False,normal_rate,3.11,2.1,False,False,False,False,False,0.806,70.0,50.1,super_preferred_longevity,100.0,baseline,1.147,0.386,True,37.6,True,-3.067,1000000.0,56551.74,51433.88,56928.88,13520.61,False,0,-1.79,-10.68
LI-2024-INS004-002058,2023-09-24,2,58,60,1965,female,never_smoker,21.5,64,125,IL,USA,single,high_school,professional,20000.0,0.7993,non_med_guaranteed,128,81,181,47,3.85,97,5.6,False,88.4,,True,False,False,False,True,melanoma,0.8,none,none,none,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,58,UW-406,2.25,universal_life,100000,semi_annual,1160.46,,10yr_declining,720.24,,,False,none,direct_to_consumer,False,False,False,0.009766,0.033737,SOA_2015_VBT,SOA_Scale_MP2023,2.448,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012208,0.015,False,,1.0,False,,,,0.08,0.0535,False,normal_rate,2.94,2.44,False,False,False,False,False,0.833,37.1,35.1,preferred_longevity,77.1,baseline,0.901,0.876,False,,False,,99279.76,9966.99,8368.19,9283.68,2204.87,False,0,-3.41,-18.7
LI-2024-INS004-002059,2021-10-05,2,50,52,1971,male,never_smoker,16.5,61,90,TX,USA,widowed,bachelors,hazardous,20000.0,0.6105,full_paramedical,126,81,256,58,4.41,72,4.8,False,84.3,3.83,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,3.27,1.0,True,False,False,False,30,UW-039,1.25,term_life,5000000,semi_annual,23475.98,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.006284,0.013971,SOA_2015_VBT,SOA_Scale_MP2023,1.323,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001571,0.018,True,0.00374,1.0,False,,,,0.07,0.0848,False,normal_rate,4.22,2.81,False,False,False,False,False,0.883,44.5,42.5,super_preferred_longevity,95.4,baseline,1.042,0.665,False,,False,,5000000.0,174873.33,165983.68,187807.84,44604.36,False,0,-0.12,5.84
LI-2024-INS004-002060,2002-04-09,1,22,23,1980,male,never_smoker,26.8,60,137,CA,USA,single,bachelors,white_collar,85550.29,0.2561,full_paramedical,149,89,182,46,3.96,98,4.8,False,107.3,,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-288,2.25,whole_life,250000,monthly,1190.23,,none,695.72,,,False,none,independent_broker,False,False,False,0.001103,0.00494,SOA_2015_VBT,SOA_Scale_MP2023,2.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001378,0.02,False,,1.0,False,,,,0.06,0.1256,False,normal_rate,4.55,1.94,False,False,False,False,False,0.96,69.6,55.0,super_preferred_longevity,98.8,baseline,1.308,0.338,False,,False,,249304.28,10259.86,8541.93,9521.84,2261.44,False,0,-1.39,-19.21
LI-2024-INS004-002061,2002-01-23,6,33,39,1969,female,never_smoker,30.3,64,176,ND,USA,divorced,high_school,light_blue_collar,58315.6,0.4471,full_paramedical,130,78,152,44,3.45,103,5.6,False,,,False,False,True,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-454,2.25,term_life,500000,semi_annual,3529.52,25.0,none,,,,False,none,independent_broker,False,False,False,0.001936,0.00794,SOA_2015_VBT,SOA_Scale_MP2023,2.449,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.015,False,,1.0,False,,,,0.05,0.0671,False,normal_rate,2.56,0.52,False,False,False,False,False,0.937,64.3,59.7,super_preferred_longevity,100.0,baseline,1.165,0.42,True,59.8,False,,500000.0,28796.18,24770.63,28236.16,6706.09,False,0,0.43,-12.91
LI-2024-INS004-002062,2005-05-13,6,66,72,1939,male,former_smoker,32.0,63,180,AL,USA,single,graduate,heavy_blue_collar,137686.7,0.5934,full_paramedical,136,79,238,41,5.8,104,4.8,False,88.2,2.28,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,substandard_table_5,0.63,5.0,False,False,False,False,60,UW-238,2.25,whole_life,500000,quarterly,7072.81,,none,5270.07,,,False,none,captive_agent,False,False,False,0.03938,0.148139,SOA_2015_VBT,SOA_Scale_MP2023,2.381,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.049224,0.005,False,,1.0,False,,,,0.02,0.0245,False,normal_rate,3.35,1.35,False,False,False,False,False,0.83,19.6,13.6,standard_longevity,41.8,baseline,1.055,0.482,False,,False,,494729.93,36907.55,37013.78,38476.09,17059.62,False,0,-1.11,-18.72
LI-2024-INS004-002063,2003-02-27,7,42,49,1961,male,former_smoker,30.3,67,193,MN,USA,married,bachelors,white_collar,85899.96,0.638,full_paramedical,119,70,240,52,4.62,88,,False,,2.62,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,8,UW-283,0.84,group_life,1000000,monthly,3158.51,,none,,,,True,coinsurance,worksite,False,False,False,0.006065,0.0049,SOA_2015_VBT,SOA_Scale_MP2023,0.791,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.12,0.1428,False,normal_rate,5.52,1.86,False,False,False,False,False,0.94,47.9,40.3,super_preferred_longevity,82.5,baseline,1.022,0.589,True,28.5,False,,1000000.0,23213.15,26377.63,25268.08,6001.17,False,0,5.46,22.67
LI-2024-INS004-002064,2002-09-21,3,55,58,1947,male,never_smoker,34.9,72,257,WV,USA,single,graduate,white_collar,20000.0,0.3578,limited_exam,147,95,247,40,6.17,102,5.1,False,83.7,0.77,False,True,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-447,1.5,universal_life,500000,monthly,3957.39,,10yr_declining,2845.13,,,False,none,employer_group,False,False,False,0.008919,0.02174,SOA_2015_VBT,SOA_Scale_MP2023,1.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00446,0.008,False,,1.0,False,,,,0.08,0.0611,False,normal_rate,4.08,1.66,False,False,False,False,False,0.854,34.1,31.1,preferred_longevity,74.5,baseline,1.232,0.447,False,,False,,497154.87,32660.13,31637.95,31659.12,7519.04,False,0,1.74,7.62
LI-2024-INS004-002065,2000-07-03,26,69,95,1931,male,current_smoker,28.1,70,196,NJ,USA,married,bachelors,white_collar,65525.31,0.5079,full_paramedical,139,91,250,63,3.97,123,5.9,True,,14.98,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,14,UW-094,2.75,term_life,2000000,monthly,43340.21,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.409641,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.84,infectious,True,2022-01-05,False,False,1100583.56,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.03,0.0388,False,normal_rate,2.64,0.7,False,False,False,False,False,0.952,15.1,1.0,sub_standard_longevity,21.6,baseline,1.119,0.51,False,,False,,2000000.0,16342.48,17867.79,17336.08,148223.52,False,0,4.93,-20.0
LI-2024-INS004-002066,2004-05-07,2,50,52,1954,male,never_smoker,32.3,60,165,SD,USA,married,bachelors,white_collar,54413.19,0.8666,simplified_issue,127,74,237,46,5.15,96,5.8,False,78.6,4.04,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-207,1.25,indexed_ul,500000,quarterly,2958.71,,10yr_declining,1911.06,,,False,none,bank,False,False,False,0.005503,0.007723,SOA_2015_VBT,SOA_Scale_MP2023,1.357,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001376,0.012,False,,1.0,False,,,,0.08,0.0362,False,normal_rate,3.17,2.42,False,False,False,False,False,0.785,39.5,37.5,super_preferred_longevity,81.7,baseline,0.85,0.926,False,,False,,498088.94,24546.58,20419.38,23669.68,5621.55,False,0,3.45,13.95
LI-2024-INS004-002067,2008-08-18,15,53,68,1955,female,never_smoker,18.7,66,115,NH,USA,single,high_school,white_collar,101628.74,0.6158,full_paramedical,140,81,243,60,4.05,74,5.0,False,,,False,False,True,False,True,breast,4.0,none,none,depression,17,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,54,UW-262,2.0,indexed_ul,500000,semi_annual,5921.99,,15yr_declining,6423.9,3982.82,0.62,False,none,bank,False,False,False,0.017257,0.056366,SOA_2015_VBT,SOA_Scale_MP2023,2.183,cancer,True,2012-11-08,False,False,839539.75,0.0007,5e-05,1.095,0.017257,0.012,False,,1.0,False,,,,0.04,0.013,False,normal_rate,2.06,2.94,False,False,False,False,False,0.96,42.7,27.7,preferred_longevity,73.3,baseline,1.038,0.51,False,,False,,493576.1,46458.43,46940.97,47375.92,11251.78,False,0,1.11,-9.07
LI-2024-INS004-002068,2020-11-21,3,31,34,1989,male,former_smoker,27.3,63,153,NH,USA,single,less_than_hs,white_collar,52681.69,0.3125,full_paramedical,126,78,212,53,4.0,110,,False,,,False,False,False,False,True,lymphoma,4.6,none,none,schizophrenia,10,False,False,False,False,True,declined,,,False,False,True,False,17,UW-353,7.0,term_life,500000,annual,11284.72,15.0,none,,,,False,none,independent_broker,False,False,False,0.00233,0.037404,SOA_2015_VBT,SOA_Scale_MP2023,7.785,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013981,0.02,True,0.00046,1.0,False,,,,0.07,0.1015,False,normal_rate,3.6,1.16,False,False,False,False,False,0.804,62.2,55.0,super_preferred_longevity,99.7,baseline,1.266,0.182,False,,False,,500000.0,98615.01,80999.04,90277.76,21440.97,False,0,-5.0,-20.0
LI-2024-INS004-002069,2007-10-01,6,61,67,1946,female,never_smoker,19.7,63,111,MD,USA,married,graduate,light_blue_collar,57354.53,0.7014,simplified_issue,138,83,154,55,2.8,96,,False,,,False,False,True,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-210,2.0,term_life,1000000,annual,10530.24,30.0,none,,,,True,none,employer_group,False,False,False,0.015322,0.046243,SOA_2015_VBT,SOA_Scale_MP2023,2.072,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015322,0.008,False,,1.0,False,,,,0.05,0.0683,False,normal_rate,3.24,1.7,False,False,False,False,False,0.922,33.3,27.3,preferred_longevity,74.0,baseline,0.974,0.733,False,,False,,1000000.0,76891.07,77006.46,84241.92,20007.46,False,0,0.57,-5.45
LI-2024-INS004-002070,2001-11-27,17,54,71,1947,male,former_smoker,27.8,76,228,NM,USA,single,bachelors,professional,256745.17,0.8126,full_paramedical,132,82,232,41,5.66,117,5.8,False,101.5,6.57,False,True,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-209,2.0,term_life,500000,quarterly,5719.11,30.0,none,,,,False,none,bank,False,False,False,0.035574,0.104321,SOA_2015_VBT,SOA_Scale_MP2023,2.17,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035574,0.008,False,,1.0,False,,,,0.03,0.0315,False,normal_rate,4.0,2.72,False,False,False,False,False,0.857,33.9,16.9,standard_longevity,50.0,baseline,0.891,0.815,False,,False,,500000.0,41869.52,36046.23,38661.18,12284.65,False,0,4.39,-8.78
LI-2024-INS004-002071,2009-06-27,6,34,40,1975,female,unknown,23.8,60,121,CO,USA,married,some_college,light_blue_collar,27212.35,0.5785,full_paramedical,129,79,238,58,4.1,78,4.9,False,,,False,False,False,False,False,none,,none,none,bipolar,9,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,38,UW-068,2.0,whole_life,500000,annual,3403.12,,none,2598.99,,,False,none,captive_agent,False,False,False,0.002376,0.00781,SOA_2015_VBT,SOA_Scale_MP2023,2.145,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002376,0.018,False,,1.0,False,,,,0.02,0.0247,False,normal_rate,4.08,0.81,False,False,False,False,False,0.854,62.0,53.9,super_preferred_longevity,100.0,baseline,1.066,0.557,True,26.6,False,,497401.01,24724.97,23305.73,27224.96,6465.93,False,0,2.3,-7.24
LI-2024-INS004-002072,2024-07-23,2,28,30,1996,female,never_smoker,27.2,66,168,MD,USA,single,less_than_hs,light_blue_collar,142861.19,0.4138,limited_exam,124,75,190,49,3.88,100,5.0,False,75.8,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,12,UW-315,0.84,term_life,100000,semi_annual,225.72,30.0,none,,,,False,none,independent_broker,False,False,False,0.001168,0.001159,SOA_2015_VBT,SOA_Scale_MP2023,0.834,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0958,False,normal_rate,2.02,1.91,False,False,False,False,False,0.753,70.0,55.0,super_preferred_longevity,100.0,baseline,1.19,0.476,False,,False,,100000.0,1740.79,1727.27,1805.76,428.87,False,0,4.37,18.31
LI-2024-INS004-002073,2013-11-26,6,28,34,1985,female,former_smoker,32.1,63,181,TN,USA,single,bachelors,white_collar,152828.85,0.5035,limited_exam,133,90,157,40,3.92,117,6.1,False,91.5,,False,False,False,False,False,none,,pre_diabetes,none,none,1,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,53,UW-362,1.25,term_life,2000000,quarterly,7903.19,20.0,none,,,,True,facultative,employer_group,False,False,False,0.001864,0.00337,SOA_2015_VBT,SOA_Scale_MP2023,1.388,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000466,0.02,False,,1.0,False,,,,0.05,0.0778,False,normal_rate,2.93,0.67,False,False,False,False,False,0.862,69.4,55.0,super_preferred_longevity,100.0,baseline,1.122,0.405,False,,False,,2000000.0,60149.26,55763.33,63225.52,15016.06,False,0,3.16,12.38
LI-2024-INS004-002074,2002-04-04,25,68,93,1934,male,former_smoker,31.5,60,161,DE,USA,single,some_college,heavy_blue_collar,46695.35,0.6504,accelerated_UW,147,79,228,60,3.8,100,,False,,6.9,True,False,False,False,True,prostate,1.9,none,none,schizophrenia,7,False,True,False,False,True,standard,0.65,,False,True,False,True,38,UW-198,1.0,group_life,1000000,annual,8859.75,,none,,,,True,quota_share,independent_broker,False,False,False,0.230576,0.243658,SOA_2015_VBT,SOA_Scale_MP2023,1.044,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.1,0.118,False,normal_rate,2.91,1.94,False,False,False,False,False,0.878,17.1,1.0,sub_standard_longevity,23.8,baseline,1.012,0.787,False,,False,,1000000.0,3651.31,3356.75,3543.9,30300.35,False,0,6.76,15.02
LI-2024-INS004-002075,2013-11-03,10,40,50,1973,female,never_smoker,28.9,66,179,DE,USA,married,graduate,white_collar,61061.46,0.6511,simplified_issue,122,78,279,56,4.98,93,5.3,False,81.2,,False,False,False,False,False,none,,none,none,depression,12,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,53,UW-191,1.25,universal_life,2000000,quarterly,9919.08,,10yr_declining,9138.11,,,True,quota_share,independent_broker,False,False,False,0.004288,0.007322,SOA_2015_VBT,SOA_Scale_MP2023,1.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001072,0.018,False,,1.0,False,,,,0.06,0.0318,False,normal_rate,3.28,1.43,False,False,False,False,False,0.915,56.0,48.4,super_preferred_longevity,94.9,baseline,1.012,0.512,False,,True,1.59,1990861.89,79546.98,75203.14,79352.64,18846.25,False,0,3.53,7.18
LI-2024-INS004-002076,2015-11-03,8,25,33,1990,female,never_smoker,26.2,61,138,WV,USA,married,bachelors,white_collar,66123.84,0.5021,full_paramedical,109,66,160,51,3.14,95,5.1,False,96.0,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-282,1.25,term_life,250000,monthly,964.59,30.0,none,,,,False,none,bank,False,False,False,0.001358,0.002256,SOA_2015_VBT,SOA_Scale_MP2023,1.256,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00034,0.022,False,,1.0,False,,,,0.05,0.0649,False,normal_rate,1.56,0.58,False,False,False,False,False,0.802,70.0,55.0,super_preferred_longevity,100.0,baseline,1.123,0.592,False,,False,,250000.0,8120.77,7500.33,7716.72,1832.72,False,0,-1.59,5.25
LI-2024-INS004-002077,2016-03-07,9,28,37,1988,male,former_smoker,32.2,71,230,WV,USA,married,high_school,light_blue_collar,85779.07,0.555,full_paramedical,129,71,235,36,6.53,103,8.6,False,81.5,,False,True,True,False,False,none,,type_2,none,none,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,35,UW-031,2.25,group_life,2000000,monthly,15293.14,,none,,,,True,coinsurance,captive_agent,False,False,False,0.002774,0.010465,SOA_2015_VBT,SOA_Scale_MP2023,2.327,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003468,0.02,False,,1.0,False,,,,0.12,0.1507,False,normal_rate,3.23,1.71,False,False,False,False,False,0.778,69.0,55.0,super_preferred_longevity,100.0,baseline,1.084,0.524,False,,False,,2000000.0,120945.4,114531.02,122345.12,29056.97,False,0,0.47,-14.79
LI-2024-INS004-002078,2015-10-23,2,44,46,1971,male,current_smoker,28.8,73,218,VT,USA,single,some_college,white_collar,74087.77,0.7351,full_paramedical,111,69,194,58,3.34,95,5.2,True,92.9,1.44,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,42,UW-289,1.5,term_life,250000,monthly,1343.83,30.0,none,,,,False,none,independent_broker,False,False,False,0.007886,0.016273,SOA_2015_VBT,SOA_Scale_MP2023,1.648,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,False,,1.0,False,,,,0.07,0.0778,False,normal_rate,2.72,0.72,False,False,False,False,False,1.0,48.0,46.0,super_preferred_longevity,92.5,baseline,0.949,0.893,False,,False,,250000.0,10135.38,10466.69,10750.64,2553.28,False,0,1.75,1.22
LI-2024-INS004-002079,2006-02-04,16,49,65,1957,female,former_smoker,30.2,63,170,NE,USA,single,bachelors,white_collar,66498.68,0.6572,full_paramedical,131,76,285,47,6.06,104,5.1,False,96.6,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-035,1.5,term_life,250000,annual,2121.46,15.0,none,,,,False,none,captive_agent,False,False,False,0.017711,0.039427,SOA_2015_VBT,SOA_Scale_MP2023,1.714,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008855,0.012,False,,1.0,False,,,,0.03,0.0352,False,normal_rate,3.49,1.12,False,False,False,True,False,0.799,44.1,28.1,preferred_longevity,64.5,baseline,1.007,0.7,False,,False,,250000.0,17134.95,15234.6,16971.68,4030.77,False,0,1.54,15.51
LI-2024-INS004-002080,2002-01-03,2,52,54,1950,male,current_smoker,36.7,64,213,AL,USA,married,bachelors,professional,30081.57,0.7278,full_paramedical,144,89,205,52,3.94,92,8.2,True,92.1,5.42,False,False,False,False,False,none,,type_2,severe_gold_3,bipolar,0,False,False,False,False,True,substandard_table_9,,9.0,False,False,False,False,40,UW-287,3.25,term_life,1000000,monthly,14567.06,30.0,none,,,,True,none,independent_broker,False,False,False,0.012335,0.069595,SOA_2015_VBT,SOA_Scale_MP2023,3.555,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027754,0.012,False,,1.0,False,,,,0.07,0.0782,False,normal_rate,4.67,0.91,False,False,False,False,False,0.82,36.4,34.4,preferred_longevity,75.0,baseline,0.954,0.702,False,,False,,1000000.0,118296.49,120101.0,116536.48,27677.41,False,0,-1.01,-20.0
LI-2024-INS004-002081,2003-12-03,13,19,32,1984,female,never_smoker,16.8,68,110,OH,USA,divorced,some_college,heavy_blue_collar,88150.47,0.6331,full_paramedical,112,80,165,63,2.62,71,5.0,False,102.2,,False,False,False,False,False,none,,none,none,depression,1,True,False,False,False,False,substandard_table_1,3.85,1.0,True,False,False,False,27,UW-130,1.25,whole_life,500000,monthly,1911.9,,none,1997.91,,,False,none,independent_broker,False,False,False,0.001289,0.002118,SOA_2015_VBT,SOA_Scale_MP2023,1.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000322,0.02,False,,1.0,False,,,,0.015,0.0179,False,normal_rate,4.04,0.51,False,False,False,False,False,0.997,70.0,55.0,super_preferred_longevity,100.0,baseline,1.025,0.787,False,,False,,498002.09,15271.47,14404.88,15295.2,3632.61,False,0,4.96,14.36
LI-2024-INS004-002082,2012-10-04,14,43,57,1969,male,never_smoker,24.6,65,147,AR,USA,married,some_college,heavy_blue_collar,144102.59,0.5052,simplified_issue,138,76,247,76,3.25,87,5.1,False,,2.77,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,1.12,1.0,False,False,False,False,27,UW-040,1.25,term_life,250000,monthly,1390.21,25.0,none,,,,True,excess_of_loss,bank,False,False,False,0.009477,0.018221,SOA_2015_VBT,SOA_Scale_MP2023,1.492,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002369,0.015,False,,1.0,False,,,,0.03,0.0389,False,normal_rate,0.76,2.69,False,False,False,False,False,0.964,47.6,33.6,preferred_longevity,70.5,baseline,1.121,0.504,False,,False,,250000.0,11651.13,9706.08,11121.68,2641.4,False,0,1.24,8.17
LI-2024-INS004-002083,2024-09-22,1,35,36,1989,female,former_smoker,21.3,71,152,AZ,USA,married,bachelors,white_collar,71876.39,0.5535,full_paramedical,105,56,198,48,4.12,96,4.9,False,85.1,,False,False,False,False,False,none,,none,none,none,12,False,False,False,False,False,standard_plus,,,False,False,False,False,8,UW-283,0.95,annuity_immediate,2000000,monthly,5935.34,,none,,,,True,quota_share,independent_broker,False,False,False,0.00209,0.002234,SOA_2015_VBT,SOA_Scale_MP2023,0.985,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.01,0.0126,False,normal_rate,2.71,2.45,False,False,False,False,False,0.883,63.2,58.8,super_preferred_longevity,100.0,baseline,1.085,0.456,True,54.9,False,,2000000.0,44303.32,42440.21,47482.72,11277.15,False,0,6.44,25.23
LI-2024-INS004-002084,2014-08-14,10,79,89,1935,non_binary,never_smoker,29.1,76,239,ND,USA,single,high_school,professional,49445.93,0.2707,limited_exam,135,86,194,43,4.51,85,4.8,False,56.9,,True,False,False,False,True,other,0.0,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,28,UW-308,2.5,annuity_deferred,1000000,quarterly,19504.24,,none,17624.59,,,True,none,employer_group,False,False,False,0.115613,0.568229,SOA_2015_VBT,SOA_Scale_MP2023,2.633,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.173419,0.005,False,,1.0,False,,,,0.02,0.0356,False,normal_rate,4.59,2.87,False,False,False,False,False,0.83,5.0,1.0,sub_standard_longevity,18.1,baseline,1.297,0.095,False,,False,,982375.41,7276.23,6769.39,7801.7,66704.5,False,0,1.02,-19.6
LI-2024-INS004-002085,2005-12-08,20,48,68,1957,male,former_smoker,32.8,68,215,NJ,USA,married,high_school,hazardous,73544.0,0.7323,full_paramedical,131,86,211,46,4.59,91,5.4,False,,3.46,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,standard_plus,4.88,,True,False,False,False,24,UW-434,0.96,term_life,250000,quarterly,1285.62,20.0,none,,,,False,none,employer_group,False,False,False,0.028728,0.024719,SOA_2015_VBT,SOA_Scale_MP2023,0.905,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,2.71,1.36,False,False,False,False,False,0.863,41.4,21.4,standard_longevity,55.6,baseline,0.951,0.657,False,,False,,250000.0,9944.59,8767.75,10284.96,2442.68,False,0,3.84,23.85
LI-2024-INS004-002086,2018-03-28,9,52,61,1966,female,never_smoker,30.7,63,173,SC,USA,married,some_college,white_collar,73993.42,0.51,full_paramedical,146,93,248,56,4.43,101,,False,75.4,,False,False,True,False,False,none,,none,none,schizophrenia,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-012,2.25,whole_life,2000000,semi_annual,20334.62,,none,18642.16,,,True,coinsurance,captive_agent,False,True,False,0.010635,0.040701,SOA_2015_VBT,SOA_Scale_MP2023,2.306,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013294,0.015,False,,1.0,False,,,,0.02,0.0258,False,normal_rate,1.81,1.0,False,False,False,False,False,0.994,45.1,36.1,super_preferred_longevity,84.3,baseline,1.117,0.468,False,,False,,1981357.84,176059.8,154081.75,162676.96,38635.78,False,0,1.27,-15.99
LI-2024-INS004-002087,2002-01-17,14,36,50,1966,female,never_smoker,30.0,60,153,MO,USA,married,graduate,white_collar,73175.62,0.7548,accelerated_UW,138,92,175,45,3.89,102,,False,66.0,,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,28,UW-311,1.25,term_life,1000000,semi_annual,5054.07,25.0,none,,,,True,none,captive_agent,False,False,False,0.004288,0.006165,SOA_2015_VBT,SOA_Scale_MP2023,1.272,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001072,0.015,False,,1.0,False,,,,0.03,0.0329,False,normal_rate,5.16,1.88,False,False,False,False,False,0.765,59.1,45.1,super_preferred_longevity,91.5,baseline,0.934,0.92,False,,False,,1000000.0,41650.49,37385.88,40432.56,9602.73,False,0,3.07,19.29
LI-2024-INS004-002088,2002-08-16,4,22,26,1980,male,never_smoker,34.6,72,255,WA,USA,married,high_school,heavy_blue_collar,28339.93,0.8904,limited_exam,128,87,198,52,3.81,102,5.6,False,,,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,0.93,1.0,False,False,False,False,4,UW-059,1.25,annuity_deferred,500000,semi_annual,1171.99,,none,847.04,,,False,none,captive_agent,False,False,False,0.001229,0.001742,SOA_2015_VBT,SOA_Scale_MP2023,1.403,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000307,0.02,False,,1.0,False,,,,0.04,0.0395,False,normal_rate,1.05,0.79,False,False,False,False,False,0.862,70.0,55.0,super_preferred_longevity,100.0,baseline,0.832,0.979,False,,False,,499152.96,10097.01,9374.15,9375.92,2226.78,False,0,2.69,17.55
LI-2024-INS004-002089,2020-09-18,7,75,82,1945,female,current_smoker,25.7,69,174,VA,USA,single,bachelors,white_collar,47132.51,0.4552,full_paramedical,168,108,209,63,3.32,108,5.4,True,63.3,,False,False,False,True,False,none,,none,moderate_gold_2,schizophrenia,1,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,19,UW-305,3.0,annuity_immediate,1000000,annual,18034.52,,none,,,,True,none,employer_group,False,False,False,0.112277,0.663173,SOA_2015_VBT,SOA_Scale_MP2023,3.329,cardiovascular,True,2025-11-15,False,False,422087.64,0.0007,5e-05,1.095,0.224554,0.008,True,0.00557,1.0,False,,,,0.003,0.005,False,normal_rate,4.62,1.56,False,False,False,False,False,0.88,15.2,8.9,sub_standard_longevity,32.7,baseline,1.159,0.495,True,59.6,False,,1000000.0,66045.14,62619.99,64202.89,50280.24,False,0,-0.58,-20.0
LI-2024-INS004-002090,2001-08-07,22,65,87,1936,male,former_smoker,29.2,67,186,NM,USA,married,some_college,hazardous,79374.65,0.6672,full_paramedical,147,98,225,44,5.11,111,,False,,6.06,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_2,4.22,2.0,True,False,False,False,25,UW-267,1.5,universal_life,1000000,monthly,10269.44,,15yr_declining,15510.0,,,True,none,independent_broker,False,False,False,0.141935,0.317552,SOA_2015_VBT,SOA_Scale_MP2023,1.738,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.070967,0.005,False,,1.0,False,,,,0.04,0.0466,False,normal_rate,4.58,2.08,False,False,False,False,False,0.946,20.5,1.0,sub_standard_longevity,24.0,baseline,1.0,0.533,False,,False,,984490.0,3886.97,3558.26,4107.78,35121.48,False,0,5.4,4.14
LI-2024-INS004-002091,2018-09-24,6,78,84,1940,female,never_smoker,21.6,64,126,HI,USA,single,graduate,professional,87795.63,0.4627,full_paramedical,140,83,162,46,3.52,74,4.6,False,72.4,,False,True,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-005,1.25,term_life,500000,quarterly,4581.68,30.0,none,,,,False,none,captive_agent,False,False,False,0.064037,0.110663,SOA_2015_VBT,SOA_Scale_MP2023,1.282,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016009,0.008,False,,1.0,False,,,,0.05,0.0665,False,normal_rate,3.29,2.56,False,False,False,False,False,0.892,11.5,6.7,sub_standard_longevity,29.5,baseline,1.153,0.568,False,,True,0.812,500000.0,11525.6,10794.69,12278.9,13580.1,False,0,4.59,13.05
LI-2024-INS004-002092,2002-06-26,3,28,31,1974,male,unknown,30.4,72,224,AZ,USA,divorced,bachelors,professional,24809.61,0.665,non_med_guaranteed,126,76,232,51,4.55,111,5.7,False,,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,13,UW-405,0.99,universal_life,500000,semi_annual,1145.02,,15yr_declining,732.99,,,False,none,independent_broker,False,False,False,0.001762,0.001664,SOA_2015_VBT,SOA_Scale_MP2023,0.943,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.042,False,normal_rate,2.97,1.6,False,False,False,False,False,0.807,64.2,55.0,super_preferred_longevity,100.0,baseline,1.001,0.837,False,,False,,499267.01,9980.5,9383.42,9160.16,2175.54,False,0,0.47,15.7
LI-2024-INS004-002093,2000-09-08,2,18,20,1982,female,current_smoker,23.7,67,151,RI,USA,married,bachelors,white_collar,72064.62,0.6528,full_paramedical,122,77,221,47,4.7,101,,True,78.0,,False,True,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,19,UW-183,1.75,term_life,1000000,quarterly,3128.25,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001611,0.00409,SOA_2015_VBT,SOA_Scale_MP2023,1.771,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001208,0.02,False,,1.0,False,,,,0.07,0.0824,False,normal_rate,5.61,1.19,False,False,False,False,False,0.827,70.0,61.6,super_preferred_longevity,100.0,baseline,1.01,0.739,True,68.9,False,,1000000.0,22575.84,26115.39,25026.0,5943.67,False,0,4.94,-4.64
LI-2024-INS004-002094,2002-02-25,10,79,89,1923,male,current_smoker,28.0,75,223,MI,USA,single,high_school,white_collar,20000.0,0.4497,full_paramedical,137,90,271,50,5.42,86,5.7,True,,4.5,False,False,False,False,False,none,,none,none,none,10,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,33,UW-269,1.75,term_life,500000,annual,6405.15,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.179843,0.516085,SOA_2015_VBT,SOA_Scale_MP2023,1.823,cardiovascular,True,2010-04-01,False,False,1469625.83,0.0007,5e-05,1.095,0.134882,0.012,False,,1.0,False,,,,0.05,0.0938,False,normal_rate,1.13,1.09,False,False,False,False,False,0.853,5.0,1.0,sub_standard_longevity,20.7,baseline,1.163,0.367,False,,False,,500000.0,2706.07,2339.89,2562.06,21905.61,False,0,3.35,0.1
LI-2024-INS004-002095,2018-06-27,7,77,84,1941,male,never_smoker,24.3,60,124,GA,USA,single,bachelors,professional,53211.77,0.2678,full_paramedical,124,69,274,51,5.37,89,5.1,False,60.4,7.36,False,False,True,False,True,colorectal,6.0,none,none,anxiety,12,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,29,UW-113,1.25,group_life,500000,monthly,4454.66,,none,,,,True,quota_share,employer_group,False,False,False,0.080692,0.15855,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020173,0.008,False,,1.0,False,,,,0.12,0.2139,False,normal_rate,1.98,1.52,False,False,False,False,False,0.807,10.9,4.4,sub_standard_longevity,33.1,baseline,1.299,0.213,True,72.8,False,,500000.0,7743.38,7901.55,7840.2,14023.27,False,0,1.59,7.26
LI-2024-INS004-002096,2015-06-17,2,56,58,1959,male,current_smoker,21.7,75,173,TN,USA,married,high_school,professional,74179.13,0.7732,full_paramedical,117,66,190,42,4.52,77,,True,,2.75,False,False,True,False,True,lung,4.6,none,none,none,1,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,29,UW-079,4.0,term_life,1000000,annual,17525.05,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.019173,0.156311,SOA_2015_VBT,SOA_Scale_MP2023,5.6,cancer,True,2017-05-04,True,True,1821852.52,0.0007,5e-05,1.095,0.05752,0.012,False,,1.0,False,,,,0.07,0.0908,False,normal_rate,5.49,1.5,False,False,False,False,False,0.995,36.9,34.9,super_preferred_longevity,86.4,baseline,0.92,0.916,False,,False,,1000000.0,144756.77,119554.24,140200.4,33297.59,False,0,-1.16,-20.0
LI-2024-INS004-002097,2011-01-02,10,77,87,1934,female,never_smoker,31.0,64,180,ND,USA,divorced,bachelors,white_collar,57825.2,0.5223,full_paramedical,153,104,258,63,4.1,61,5.4,False,69.7,,False,False,False,False,True,lung,1.6,none,none,none,0,False,False,False,False,True,declined,,,False,False,True,False,20,UW-265,7.0,whole_life,500000,annual,27641.59,,none,25633.37,21942.16,0.856,False,none,captive_agent,True,False,False,0.086473,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.42,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.51884,0.005,False,,1.0,False,,,,0.02,0.0154,False,normal_rate,4.73,0.74,False,False,False,False,False,0.986,11.6,1.6,sub_standard_longevity,22.7,baseline,1.108,0.41,False,,False,,474366.63,18283.68,17498.59,17690.62,93207.44,False,0,-5.0,-20.0
LI-2024-INS004-002098,2000-07-28,21,41,62,1959,female,former_smoker,22.2,72,163,ME,USA,married,some_college,light_blue_collar,72682.17,0.8516,accelerated_UW,114,69,170,67,2.54,74,5.5,False,,,False,False,False,False,True,colorectal,1.7,none,none,anxiety,3,False,False,False,False,True,standard,,,False,True,False,True,33,UW-228,1.0,indexed_ul,1000000,monthly,4510.71,,15yr_declining,6513.72,,,True,quota_share,direct_to_consumer,False,False,False,0.014009,0.013188,SOA_2015_VBT,SOA_Scale_MP2023,1.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.057,False,normal_rate,5.19,1.13,False,False,False,False,False,0.915,53.2,32.2,preferred_longevity,73.6,baseline,0.861,0.965,False,,False,,993486.28,37557.22,37553.38,36085.68,8570.35,False,0,1.85,18.6
LI-2024-INS004-002099,2022-10-07,2,31,33,1991,male,never_smoker,30.0,73,227,WY,USA,single,bachelors,white_collar,20000.0,0.7672,non_med_guaranteed,112,79,226,33,6.85,83,5.5,False,105.1,,False,False,False,False,True,melanoma,16.8,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,53,UW-095,2.25,term_life,2000000,annual,13783.51,20.0,none,,,,True,none,employer_group,False,False,False,0.001698,0.006758,SOA_2015_VBT,SOA_Scale_MP2023,2.379,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002122,0.022,True,0.0009,1.0,True,2026-01-10,voluntary_surrender,2.0,0.07,0.0912,False,normal_rate,4.34,0.62,False,False,False,False,False,0.936,64.5,59.8,super_preferred_longevity,100.0,baseline,0.925,0.573,True,60.3,False,,2000000.0,112363.08,105170.8,110268.08,26188.67,False,0,0.73,-12.73
LI-2024-INS004-002100,2015-05-10,12,52,64,1963,male,former_smoker,27.8,74,216,MN,USA,married,bachelors,white_collar,20817.18,0.3899,full_paramedical,123,73,211,53,3.98,124,5.5,False,93.8,2.64,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred,,,False,False,False,False,9,UW-167,0.81,whole_life,250000,monthly,1145.79,,none,1109.41,,,False,none,direct_to_consumer,False,True,False,0.021698,0.021433,SOA_2015_VBT,SOA_Scale_MP2023,0.818,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.015,0.0291,False,normal_rate,2.3,2.82,False,False,False,True,False,0.808,37.2,25.2,standard_longevity,56.1,baseline,1.208,0.357,False,,False,,248890.59,8303.49,9519.86,9166.32,2177.0,False,0,2.41,23.62
LI-2024-INS004-002101,2018-12-01,5,21,26,1997,male,never_smoker,35.5,73,269,NM,USA,married,bachelors,heavy_blue_collar,66181.5,0.6652,full_paramedical,128,86,248,58,4.28,111,4.8,False,94.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,0.74,5.0,False,False,False,False,4,UW-213,2.25,annuity_immediate,500000,annual,2421.74,,none,,,,False,none,worksite,False,False,False,0.001229,0.004515,SOA_2015_VBT,SOA_Scale_MP2023,2.422,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001536,0.022,False,,1.0,False,,,,0.005,0.0058,False,normal_rate,2.72,1.02,False,False,False,False,False,0.787,70.0,55.0,super_preferred_longevity,100.0,baseline,1.001,0.712,False,,False,,500000.0,17562.6,19805.19,19373.92,4601.31,False,0,-1.03,-9.03
LI-2024-INS004-002102,2000-10-04,20,35,55,1965,male,former_smoker,23.3,75,186,WV,USA,married,bachelors,white_collar,39085.49,0.8678,simplified_issue,128,83,163,40,4.08,79,5.2,False,,3.78,False,False,False,True,False,none,,none,none,depression,7,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,41,UW-083,2.5,indexed_ul,100000,semi_annual,1096.12,,15yr_declining,1508.84,,,False,none,captive_agent,False,False,False,0.010433,0.038639,SOA_2015_VBT,SOA_Scale_MP2023,2.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01565,0.015,False,,1.0,False,,,,0.04,0.0402,False,normal_rate,3.66,2.37,False,False,False,False,False,0.756,56.4,36.4,super_preferred_longevity,80.1,baseline,0.849,0.743,False,,False,,98491.16,8761.85,8676.07,8768.96,2082.63,False,0,0.4,-20.0
LI-2024-INS004-002103,2016-03-27,7,35,42,1981,female,never_smoker,22.8,63,128,AZ,USA,single,some_college,light_blue_collar,158809.55,0.7872,full_paramedical,132,70,193,59,3.27,72,,False,83.8,,False,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,preferred_plus,,,False,False,False,False,21,UW-490,0.67,annuity_deferred,2000000,quarterly,5388.45,,none,4604.71,,,True,facultative,bank,False,False,False,0.002366,0.001368,SOA_2015_VBT,SOA_Scale_MP2023,0.636,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0214,False,normal_rate,2.77,0.83,False,False,False,False,False,0.909,62.9,61.4,super_preferred_longevity,100.0,baseline,0.91,0.849,True,68.0,False,,1995395.29,42789.12,37191.43,43107.6,10238.06,False,0,8.88,27.55
LI-2024-INS004-002104,2001-10-27,2,41,43,1960,female,never_smoker,36.6,62,200,CA,USA,divorced,bachelors,heavy_blue_collar,161447.54,0.7479,accelerated_UW,145,88,222,42,5.29,109,4.4,False,,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,1.22,5.0,False,False,False,True,28,UW-082,2.25,universal_life,500000,monthly,4122.47,,10yr_declining,2850.52,,,False,none,bank,False,False,False,0.002352,0.008003,SOA_2015_VBT,SOA_Scale_MP2023,2.292,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00294,0.015,False,,1.0,False,,,,0.08,0.0397,False,normal_rate,4.07,1.51,False,False,False,False,False,0.893,53.2,51.2,super_preferred_longevity,100.0,baseline,0.939,0.764,False,,False,,497149.48,30680.01,29312.4,32979.76,7832.69,False,0,1.78,-8.41
LI-2024-INS004-002105,2014-12-06,8,77,85,1937,female,never_smoker,26.9,66,166,KS,USA,married,bachelors,light_blue_collar,36774.89,0.9708,full_paramedical,130,78,209,56,3.73,88,,False,87.0,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-383,2.25,term_life,1000000,annual,17040.56,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.074092,0.224328,SOA_2015_VBT,SOA_Scale_MP2023,2.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.092615,0.005,False,,1.0,False,,,,0.05,0.0462,False,normal_rate,3.02,0.52,False,False,False,False,False,0.807,13.8,5.8,standard_longevity,35.8,baseline,0.772,0.984,False,,False,,1000000.0,38918.06,38228.45,39534.1,51735.14,False,0,-0.13,-10.41
LI-2024-INS004-002106,2024-04-24,2,42,44,1982,male,current_smoker,18.7,65,112,HI,USA,married,graduate,professional,20000.0,0.7044,simplified_issue,113,60,163,58,2.81,88,5.1,True,,1.12,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-351,1.5,whole_life,2000000,semi_annual,11113.37,,none,6737.21,,,True,facultative,employer_group,False,True,False,0.006811,0.013558,SOA_2015_VBT,SOA_Scale_MP2023,1.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.02,False,,1.0,False,,,,0.04,0.0546,False,normal_rate,3.61,2.45,False,False,False,False,False,0.902,51.7,50.8,super_preferred_longevity,99.3,baseline,0.972,0.523,True,40.6,False,,1993262.79,91838.35,85272.15,88906.96,21115.4,False,0,3.14,8.76
LI-2024-INS004-002107,2002-05-14,4,73,77,1929,male,never_smoker,23.4,76,192,DE,USA,divorced,high_school,professional,109964.13,0.5006,simplified_issue,147,91,159,54,2.94,88,,False,90.9,6.74,False,False,False,False,False,none,,none,none,none,5,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,44,UW-027,1.5,term_life,2000000,semi_annual,17895.04,20.0,none,,,,True,facultative,worksite,False,False,False,0.03458,0.076708,SOA_2015_VBT,SOA_Scale_MP2023,1.528,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01729,0.012,False,,1.0,False,,,,0.07,0.091,False,normal_rate,2.85,0.54,False,False,False,False,False,0.875,11.3,7.3,sub_standard_longevity,31.0,baseline,1.125,0.516,False,,False,,2000000.0,49252.61,48577.17,52253.52,52181.94,False,0,5.32,5.12
LI-2024-INS004-002108,2011-02-12,9,70,79,1941,male,never_smoker,26.7,73,202,WV,USA,single,bachelors,professional,173309.36,0.2008,limited_exam,127,82,192,61,3.15,111,,False,63.3,9.09,False,False,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,standard,,,False,True,False,False,5,UW-150,1.0,term_life,250000,annual,1435.15,25.0,none,,,,False,none,employer_group,False,False,False,0.052413,0.075818,SOA_2015_VBT,SOA_Scale_MP2023,1.072,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0924,False,normal_rate,4.64,0.66,False,False,False,False,False,0.932,14.6,5.8,sub_standard_longevity,24.2,baseline,1.349,0.129,True,45.3,False,,250000.0,3344.64,3107.21,3329.55,4357.12,False,0,1.31,11.47
LI-2024-INS004-002109,2010-07-07,13,32,45,1978,male,former_smoker,34.2,68,224,MA,USA,divorced,bachelors,light_blue_collar,25666.02,0.675,full_paramedical,124,75,212,48,4.42,104,5.7,False,79.5,1.16,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-159,2.25,term_life,1000000,annual,7688.76,10.0,none,,,,True,none,independent_broker,True,False,False,0.004761,0.01715,SOA_2015_VBT,SOA_Scale_MP2023,2.367,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005951,0.018,False,,1.0,False,,,,0.03,0.0348,False,normal_rate,3.18,0.58,True,False,False,False,False,0.83,60.8,47.8,super_preferred_longevity,94.3,baseline,0.994,0.585,False,,False,,1000000.0,64713.51,61027.1,61510.08,14608.64,False,0,0.14,-6.87
LI-2024-INS004-002110,2012-12-17,5,30,35,1982,male,never_smoker,23.5,75,188,NM,USA,divorced,bachelors,professional,57465.47,0.4624,full_paramedical,113,71,239,69,3.46,79,5.4,False,97.6,,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-243,2.0,universal_life,500000,monthly,3124.83,,10yr_declining,2326.41,,,False,none,captive_agent,False,False,False,0.001896,0.006355,SOA_2015_VBT,SOA_Scale_MP2023,2.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.02,False,,1.0,False,,,,0.08,0.0479,False,normal_rate,4.61,1.05,False,False,False,False,False,0.851,65.7,55.0,super_preferred_longevity,100.0,baseline,1.153,0.43,False,,False,,497673.59,23879.97,23584.61,24998.64,5937.18,False,0,3.47,-4.27
LI-2024-INS004-002111,2018-02-08,1,34,35,1984,female,former_smoker,31.7,60,162,AK,USA,married,less_than_hs,white_collar,29538.88,0.2755,simplified_issue,134,74,240,45,5.33,88,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,40,UW-339,1.25,indexed_ul,500000,annual,1932.83,,10yr_declining,1212.27,,,False,none,direct_to_consumer,False,False,False,0.001972,0.003919,SOA_2015_VBT,SOA_Scale_MP2023,1.343,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000493,0.02,False,,1.0,True,2026-02-14,non_payment,1.0,0.11,0.1436,False,normal_rate,3.45,1.38,False,False,False,False,False,0.923,62.3,55.0,super_preferred_longevity,99.1,baseline,1.293,0.123,False,,False,,498787.73,16538.45,14819.75,15462.64,3672.38,False,0,1.46,6.02
LI-2024-INS004-002112,2012-09-02,12,31,43,1981,female,former_smoker,24.2,71,173,CT,USA,divorced,some_college,white_collar,69562.07,0.15,full_paramedical,112,70,159,46,3.46,65,4.7,False,105.3,,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-055,1.25,term_life,500000,monthly,2220.92,20.0,none,,,,False,none,employer_group,False,False,False,0.003298,0.007052,SOA_2015_VBT,SOA_Scale_MP2023,1.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000824,0.02,False,,1.0,False,,,,0.03,0.0569,False,normal_rate,5.21,2.88,False,False,False,False,False,0.884,64.4,52.4,super_preferred_longevity,93.3,baseline,1.387,0.182,False,,False,,500000.0,18785.4,15959.5,17767.36,4219.75,False,0,2.74,3.93
LI-2024-INS004-002113,2004-08-19,7,45,52,1959,male,never_smoker,26.2,65,157,IN,USA,married,graduate,professional,20000.0,0.5002,non_med_guaranteed,122,72,211,49,4.31,111,,False,73.0,1.37,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-128,1.25,term_life,500000,monthly,2659.99,30.0,none,,,,True,none,independent_broker,False,False,False,0.005845,0.010364,SOA_2015_VBT,SOA_Scale_MP2023,1.354,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001461,0.012,False,,1.0,False,,,,0.05,0.065,False,normal_rate,4.43,1.29,False,False,False,False,False,0.966,43.8,36.8,preferred_longevity,75.2,baseline,1.125,0.609,False,,False,,500000.0,22769.64,19247.51,21279.92,5053.98,False,0,2.38,11.98
LI-2024-INS004-002114,2009-09-14,3,47,50,1962,female,never_smoker,30.5,64,177,TN,USA,divorced,high_school,professional,71635.91,0.2406,full_paramedical,127,67,216,54,4.0,115,,False,76.0,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,5,UW-226,0.82,universal_life,250000,monthly,899.57,,10yr_declining,578.85,,,False,none,independent_broker,False,False,False,0.004097,0.004423,SOA_2015_VBT,SOA_Scale_MP2023,0.818,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.076,False,normal_rate,2.18,1.81,False,False,False,False,False,0.847,45.5,42.3,preferred_longevity,79.6,baseline,1.32,0.07,True,31.8,False,,249421.15,7271.99,7489.71,7196.56,1709.18,False,0,3.02,16.25
LI-2024-INS004-002115,2020-04-26,4,67,71,1953,male,former_smoker,33.5,71,240,MD,USA,married,bachelors,professional,37866.48,0.1272,full_paramedical,109,65,267,41,6.51,97,4.9,False,76.3,1.87,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-049,1.5,group_life,1000000,semi_annual,9510.41,,none,,,,True,quota_share,captive_agent,False,False,False,0.035564,0.10679,SOA_2015_VBT,SOA_Scale_MP2023,1.731,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017782,0.012,True,0.00254,1.0,True,2025-09-27,non_payment,4.0,0.15,0.3356,False,normal_rate,2.57,0.74,False,False,False,False,False,0.802,19.4,15.4,standard_longevity,37.5,baseline,1.405,0.089,False,,False,,1000000.0,55170.71,55305.03,58584.13,21569.61,False,0,3.47,3.97
LI-2024-INS004-002116,2018-01-20,1,41,42,1977,female,never_smoker,29.1,72,214,NY,USA,divorced,high_school,light_blue_collar,50624.34,0.7706,limited_exam,113,69,189,32,5.91,132,5.3,False,89.2,,False,False,True,False,False,none,,none,none,bipolar,8,False,True,False,True,True,substandard_table_4,,4.0,False,False,False,False,57,UW-184,2.0,universal_life,2000000,annual,15998.57,,10yr_declining,9601.8,,,True,coinsurance,employer_group,False,False,False,0.002366,0.007184,SOA_2015_VBT,SOA_Scale_MP2023,2.209,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.018,False,,1.0,False,,,,0.12,0.0702,False,normal_rate,4.1,1.34,False,False,False,False,False,0.797,59.1,55.0,super_preferred_longevity,100.0,baseline,0.922,0.585,False,,False,,1990398.2,126457.08,120359.06,127988.56,30397.28,False,0,-0.13,-2.79
LI-2024-INS004-002117,2019-11-22,2,48,50,1971,female,former_smoker,31.9,62,174,CA,USA,single,high_school,light_blue_collar,31451.48,0.7171,non_med_guaranteed,133,82,241,56,4.3,100,,False,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,8,UW-236,0.79,whole_life,250000,monthly,770.15,,none,475.04,,,False,none,captive_agent,False,False,False,0.005574,0.004414,SOA_2015_VBT,SOA_Scale_MP2023,0.823,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0451,False,normal_rate,2.84,1.44,False,False,False,False,False,0.984,48.0,46.0,super_preferred_longevity,92.3,baseline,0.962,0.577,False,,False,,249524.96,6515.36,5485.16,6161.2,1463.29,False,0,2.64,21.41
LI-2024-INS004-002118,2001-10-07,4,42,46,1959,male,never_smoker,26.4,62,144,NY,USA,married,less_than_hs,heavy_blue_collar,39344.85,0.776,full_paramedical,118,71,210,59,3.56,105,5.3,False,,2.07,True,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,standard,1.22,,False,True,False,False,24,UW-130,1.0,universal_life,250000,annual,1006.26,,10yr_declining,695.28,,,False,none,direct_to_consumer,False,False,False,0.003668,0.003559,SOA_2015_VBT,SOA_Scale_MP2023,1.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0544,False,normal_rate,3.81,2.54,False,False,False,False,False,0.834,47.9,43.9,super_preferred_longevity,90.0,baseline,0.918,0.769,False,,False,,249304.72,7897.7,8301.69,8050.08,1911.89,False,0,6.36,16.66
LI-2024-INS004-002119,2012-03-06,9,51,60,1961,male,former_smoker,37.7,69,255,CT,USA,widowed,high_school,heavy_blue_collar,37867.15,0.8091,full_paramedical,129,77,216,48,4.5,98,5.5,False,70.8,2.83,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,0.85,2.0,False,False,False,False,18,UW-258,1.5,universal_life,250000,monthly,1978.73,,15yr_declining,1792.43,,,False,none,direct_to_consumer,True,False,False,0.014939,0.027671,SOA_2015_VBT,SOA_Scale_MP2023,1.514,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00747,0.015,False,,1.0,False,,,,0.06,0.0398,False,normal_rate,4.86,2.91,False,False,False,False,False,0.818,39.6,30.6,preferred_longevity,70.5,baseline,0.893,0.641,False,,False,,248207.57,15761.63,14465.7,15829.84,3759.59,False,0,-0.99,11.53
LI-2024-INS004-002120,2013-10-22,10,42,52,1971,male,never_smoker,30.5,66,188,CO,USA,widowed,less_than_hs,white_collar,30632.47,0.7097,full_paramedical,139,89,194,56,3.46,78,,False,57.3,0.85,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-406,1.25,indexed_ul,500000,quarterly,2467.49,,10yr_declining,2345.08,,,False,none,employer_group,False,False,False,0.006284,0.009453,SOA_2015_VBT,SOA_Scale_MP2023,1.296,cardiovascular,True,2022-12-30,False,False,55256.99,0.0007,5e-05,1.095,0.001571,0.018,False,,1.0,False,,,,0.06,0.0367,False,normal_rate,2.39,2.14,False,False,False,False,False,0.893,49.9,39.9,super_preferred_longevity,83.0,baseline,0.968,0.803,False,,False,,497654.92,19057.81,18763.24,19739.92,4688.23,False,0,3.03,10.26
LI-2024-INS004-002121,2007-12-01,10,71,81,1936,female,never_smoker,30.8,68,202,VA,USA,single,high_school,professional,133411.81,0.5906,full_paramedical,133,79,327,45,7.27,77,5.1,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,29,UW-447,1.5,indexed_ul,500000,monthly,5145.61,,10yr_declining,4570.98,,,False,none,independent_broker,False,False,False,0.052288,0.11303,SOA_2015_VBT,SOA_Scale_MP2023,1.572,infectious,True,2011-11-24,False,False,776853.04,0.0007,5e-05,1.095,0.026144,0.005,False,,1.0,False,,,,0.06,0.0331,False,normal_rate,3.73,1.65,False,False,False,False,False,0.812,18.2,7.7,sub_standard_longevity,32.9,baseline,1.057,0.455,True,12.9,False,,495429.02,16176.52,15741.67,15848.48,14839.94,False,0,3.47,14.12
LI-2024-INS004-002122,2017-09-28,10,71,81,1946,male,former_smoker,35.7,71,255,AK,USA,married,graduate,professional,119737.15,0.5818,full_paramedical,131,82,230,49,4.69,97,5.4,False,61.1,5.63,True,False,False,True,False,none,,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,44,UW-066,1.0,group_life,250000,semi_annual,1612.97,,none,,,,False,none,employer_group,False,False,False,0.084355,0.096094,SOA_2015_VBT,SOA_Scale_MP2023,1.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.12,0.1778,False,normal_rate,2.27,1.67,False,False,False,False,False,0.814,15.9,5.9,sub_standard_longevity,30.1,baseline,1.064,0.56,False,,False,,250000.0,3588.76,3359.27,3806.61,4884.07,False,0,2.22,15.05
LI-2024-INS004-002123,2012-03-27,6,51,57,1961,female,never_smoker,29.5,65,177,MT,USA,married,high_school,white_collar,105479.78,0.6419,limited_exam,135,79,162,43,3.77,95,4.9,False,100.1,,False,True,False,False,True,melanoma,0.0,none,none,none,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,35,UW-190,2.25,universal_life,250000,annual,2401.82,,15yr_declining,1778.14,,,False,none,bank,False,False,False,0.007137,0.026113,SOA_2015_VBT,SOA_Scale_MP2023,2.365,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008921,0.015,False,,1.0,False,,,,0.06,0.032,False,normal_rate,3.83,2.27,False,False,False,False,False,0.774,42.9,39.2,super_preferred_longevity,80.9,baseline,1.019,0.697,True,53.2,False,,248221.86,19495.46,19711.74,19214.56,4563.46,False,0,0.44,-4.02
LI-2024-INS004-002124,2014-08-12,12,79,91,1935,male,never_smoker,22.2,60,113,CO,USA,married,some_college,professional,77456.91,0.222,simplified_issue,122,77,184,46,4.0,112,5.0,False,54.9,9.26,False,False,False,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,38,UW-012,2.5,whole_life,500000,quarterly,10307.44,,none,10103.55,,,False,none,bank,False,False,False,0.15154,0.755746,SOA_2015_VBT,SOA_Scale_MP2023,2.615,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.22731,0.005,False,,1.0,False,,,,0.015,0.0228,False,normal_rate,4.19,1.19,False,False,False,False,False,0.767,5.0,1.0,sub_standard_longevity,17.3,baseline,1.333,0.221,False,,False,,489896.45,4239.79,3919.62,4122.98,35251.44,False,0,2.47,-20.0
LI-2024-INS004-002125,2023-12-20,1,35,36,1988,female,never_smoker,25.6,72,188,ID,USA,single,some_college,hazardous,56496.79,0.4404,non_med_guaranteed,111,73,173,50,3.46,92,,False,,,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,4.47,,True,False,False,False,19,UW-188,0.9,term_life,500000,semi_annual,1474.14,20.0,none,,,,False,none,worksite,False,False,False,0.001608,0.001815,SOA_2015_VBT,SOA_Scale_MP2023,0.965,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.1,0.1348,False,normal_rate,4.07,2.6,False,False,False,False,False,0.775,62.6,55.0,super_preferred_longevity,100.0,baseline,1.17,0.465,False,,False,,500000.0,10668.22,11384.9,11793.12,2800.87,False,0,1.71,16.54
LI-2024-INS004-002126,2005-06-13,21,55,76,1950,male,former_smoker,36.7,73,277,CO,USA,married,high_school,professional,71437.31,0.7595,full_paramedical,147,93,222,51,4.35,103,5.0,False,,4.76,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-024,1.5,term_life,500000,monthly,4718.85,15.0,none,,,,False,none,bank,False,False,False,0.053087,0.103742,SOA_2015_VBT,SOA_Scale_MP2023,1.563,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026544,0.012,False,,1.0,False,,,,0.03,0.0328,False,normal_rate,2.55,2.76,False,False,False,False,False,0.825,33.5,12.5,standard_longevity,42.6,baseline,0.93,0.731,False,,False,,500000.0,25319.94,20474.84,23594.25,11797.13,False,0,2.82,13.52
LI-2024-INS004-002127,2013-12-19,1,59,60,1954,male,never_smoker,24.6,71,176,NM,USA,married,graduate,professional,59538.28,0.5896,full_paramedical,125,81,200,43,4.65,99,5.1,False,,4.12,False,False,True,False,False,none,,none,none,substance_use_disorder,2,False,True,False,False,False,standard,,,False,True,False,False,20,UW-012,1.0,universal_life,250000,quarterly,1191.62,,15yr_declining,780.81,,,False,none,bank,False,False,False,0.01069,0.012291,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.12,0.0663,False,normal_rate,5.03,2.72,False,False,False,False,False,0.883,32.4,31.4,preferred_longevity,78.4,baseline,1.058,0.574,False,,False,,249219.19,8801.34,8903.01,9532.96,2264.08,False,0,5.14,13.89
LI-2024-INS004-002128,2022-03-20,2,76,78,1946,male,former_smoker,18.3,65,110,MI,USA,married,bachelors,professional,24881.59,0.5786,non_med_guaranteed,98,57,189,53,3.57,66,5.4,False,74.6,8.17,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-485,2.25,whole_life,1000000,monthly,13459.73,,none,9224.25,,,True,facultative,captive_agent,False,False,False,0.065022,0.243994,SOA_2015_VBT,SOA_Scale_MP2023,2.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.081278,0.008,True,0.00516,1.0,False,,,,0.04,0.0495,False,normal_rate,2.07,0.67,False,False,False,False,False,0.785,10.9,8.9,sub_standard_longevity,34.5,baseline,1.066,0.622,False,,False,,990775.75,51506.41,43078.15,47916.64,37525.73,False,0,-0.87,-11.27
LI-2024-INS004-002129,2008-05-02,7,51,58,1957,female,never_smoker,22.2,62,121,NV,USA,married,bachelors,professional,81294.4,0.564,full_paramedical,134,85,176,54,3.26,75,5.5,False,99.4,,True,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,standard,,,False,False,False,False,24,UW-086,1.09,annuity_immediate,2000000,quarterly,11355.97,,none,,,,True,none,captive_agent,False,False,False,0.007486,0.008906,SOA_2015_VBT,SOA_Scale_MP2023,1.021,cancer,True,2012-12-27,False,False,1288427.58,0.0007,5e-05,1.095,0.000674,0.012,False,,1.0,False,,,,0.003,0.005,False,normal_rate,2.49,1.42,False,False,False,False,False,0.769,41.8,34.8,preferred_longevity,73.2,baseline,1.077,0.62,False,,False,,2000000.0,95749.39,89174.7,90847.76,21576.34,False,0,1.21,16.19
LI-2024-INS004-002130,2008-07-28,18,73,91,1935,female,former_smoker,28.3,65,170,AR,USA,married,some_college,light_blue_collar,148983.62,0.5674,full_paramedical,163,95,210,45,4.67,71,,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,57,UW-309,2.0,universal_life,1000000,annual,13717.32,,15yr_declining,17238.21,,,True,quota_share,independent_broker,False,False,False,0.157602,0.510835,SOA_2015_VBT,SOA_Scale_MP2023,2.086,cardiovascular,True,2013-11-28,False,False,738576.01,0.0007,5e-05,1.095,0.157602,0.005,False,,1.0,False,,,,0.04,0.0498,False,normal_rate,4.02,1.62,False,False,False,False,False,0.841,15.9,0.9,sub_standard_longevity,22.4,baseline,1.074,0.703,True,11.9,False,,982761.79,5147.44,5476.37,5486.93,46913.23,False,0,3.33,1.16
LI-2024-INS004-002131,2021-07-08,1,61,62,1960,male,never_smoker,29.8,70,207,PA,USA,married,graduate,light_blue_collar,50349.28,0.2536,full_paramedical,137,86,201,73,2.75,97,5.0,False,,3.2,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-260,2.25,whole_life,500000,monthly,5464.73,,none,3255.73,,,False,none,captive_agent,False,True,False,0.013428,0.065845,SOA_2015_VBT,SOA_Scale_MP2023,2.294,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016785,0.015,True,0.00871,1.0,True,2025-05-18,non_payment,1.0,0.06,0.1258,False,normal_rate,3.47,2.88,False,False,False,False,False,0.908,27.2,26.2,standard_longevity,55.6,baseline,1.31,0.297,False,,False,,496744.27,47285.08,37987.26,43717.84,10382.99,False,0,-0.28,-9.33
LI-2024-INS004-002132,2006-03-23,15,33,48,1973,male,never_smoker,21.0,65,126,MT,USA,divorced,high_school,light_blue_collar,66016.38,0.5532,full_paramedical,120,69,225,55,4.09,121,4.8,False,110.1,2.22,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,26,UW-099,0.97,whole_life,1000000,monthly,4347.63,,none,4919.27,,,True,none,captive_agent,False,False,False,0.004587,0.004898,SOA_2015_VBT,SOA_Scale_MP2023,0.984,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0189,False,normal_rate,3.52,2.51,False,False,False,False,False,0.788,58.6,43.6,super_preferred_longevity,86.2,baseline,1.085,0.527,False,,False,,995080.73,33130.11,29872.71,34781.04,8260.5,False,0,1.84,13.33
LI-2024-INS004-002133,2006-01-04,8,67,75,1939,female,current_smoker,28.3,69,191,AL,USA,married,bachelors,white_collar,45807.38,0.5964,accelerated_UW,146,87,191,61,3.13,98,5.2,True,,,False,False,False,False,False,none,,none,moderate_gold_2,none,0,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,True,11,UW-164,2.5,whole_life,500000,monthly,8149.85,,none,7040.09,,,False,none,employer_group,False,True,False,0.062994,0.260607,SOA_2015_VBT,SOA_Scale_MP2023,2.505,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.094491,0.005,False,,1.0,False,,,,0.02,0.0293,False,normal_rate,3.09,2.82,False,False,False,False,False,0.82,22.6,15.5,standard_longevity,44.7,baseline,1.053,0.507,True,52.9,False,,492959.91,50968.42,51982.55,50529.07,18418.66,False,0,-1.06,-17.89
LI-2024-INS004-002134,2017-04-10,2,54,56,1963,female,never_smoker,28.5,62,155,LA,USA,married,high_school,light_blue_collar,208980.91,0.718,simplified_issue,141,94,158,32,4.94,80,4.8,False,94.6,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-158,1.5,term_life,100000,quarterly,761.49,10.0,none,,,,False,none,employer_group,False,False,False,0.006767,0.013983,SOA_2015_VBT,SOA_Scale_MP2023,1.629,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003384,0.015,False,,1.0,False,,,,0.07,0.0946,False,normal_rate,4.61,1.91,False,False,False,False,False,0.852,40.5,38.5,super_preferred_longevity,81.0,baseline,0.962,0.685,False,,False,,100000.0,6288.26,5772.31,6091.92,1446.83,False,0,0.25,5.63
LI-2024-INS004-002135,2009-11-01,8,54,62,1955,female,never_smoker,38.0,69,257,NE,USA,single,high_school,professional,27495.87,0.5798,limited_exam,135,80,218,47,4.64,103,5.9,False,69.7,,False,False,True,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,16,UW-235,1.5,term_life,250000,quarterly,1747.11,25.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.010268,0.022229,SOA_2015_VBT,SOA_Scale_MP2023,1.563,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005134,0.012,False,,1.0,False,,,,0.05,0.0618,False,normal_rate,4.4,2.81,True,False,False,False,False,0.944,41.5,33.4,super_preferred_longevity,81.3,baseline,1.065,0.499,True,32.6,False,,250000.0,15324.76,12550.88,13976.88,3319.51,False,0,0.13,1.63
LI-2024-INS004-002136,2007-07-25,19,27,46,1980,female,unknown,28.2,69,191,OH,USA,single,bachelors,white_collar,96849.6,0.8287,full_paramedical,139,89,178,62,2.87,82,,False,81.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,True,True,standard,,,False,True,False,False,39,UW-477,1.0,term_life,2000000,annual,7822.97,25.0,none,,,,True,facultative,captive_agent,False,False,False,0.003628,0.003439,SOA_2015_VBT,SOA_Scale_MP2023,1.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0311,False,normal_rate,1.89,1.55,False,False,False,False,False,0.999,70.0,51.0,super_preferred_longevity,100.0,baseline,0.878,0.876,False,,False,,2000000.0,64297.39,58950.42,62583.76,14863.64,False,0,1.67,12.95
LI-2024-INS004-002137,2024-11-25,1,44,45,1980,male,never_smoker,37.8,70,263,NV,USA,married,some_college,white_collar,732183.94,0.6528,simplified_issue,123,85,227,28,8.11,113,4.5,False,65.0,2.61,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,14,UW-152,1.75,term_life,500000,monthly,3269.39,20.0,none,,,,False,none,captive_agent,False,False,False,0.003662,0.009825,SOA_2015_VBT,SOA_Scale_MP2023,1.913,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002747,0.02,False,,1.0,True,2026-02-21,replacement,1.0,0.1,0.1178,False,normal_rate,2.58,1.13,False,False,False,False,False,0.835,49.2,48.2,super_preferred_longevity,94.6,baseline,1.01,0.768,False,,False,,500000.0,27603.1,26962.83,26155.12,6211.84,False,0,3.6,6.06
LI-2024-INS004-002138,2015-04-10,2,26,28,1989,male,former_smoker,28.6,75,229,VA,USA,married,some_college,white_collar,29746.7,0.8448,full_paramedical,112,63,160,29,5.52,100,4.7,False,86.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,30,UW-258,1.0,annuity_deferred,100000,quarterly,227.91,,none,151.71,,,False,none,independent_broker,False,False,False,0.001734,0.001558,SOA_2015_VBT,SOA_Scale_MP2023,1.037,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.041,False,normal_rate,4.89,1.49,False,False,False,False,False,0.794,69.3,55.0,super_preferred_longevity,100.0,baseline,0.866,0.912,False,,False,,99848.29,1650.5,1859.08,1823.28,433.03,False,0,4.88,26.92
LI-2024-INS004-002139,2020-02-08,1,45,46,1975,male,current_smoker,18.8,74,146,HI,USA,married,high_school,light_blue_collar,20000.0,0.5062,full_paramedical,132,74,143,74,1.93,89,5.0,True,,3.62,False,False,False,False,False,none,,none,severe_gold_3,none,6,False,False,False,True,True,substandard_table_9,,9.0,False,False,False,False,32,UW-211,3.25,whole_life,500000,quarterly,6500.78,,none,4170.81,,,False,none,independent_broker,False,False,False,0.007886,0.05529,SOA_2015_VBT,SOA_Scale_MP2023,3.579,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017745,0.018,True,0.00592,1.0,False,,,,0.06,0.0777,False,normal_rate,2.08,2.57,False,False,False,False,False,0.874,46.7,46.7,super_preferred_longevity,90.1,baseline,1.12,0.559,True,40.7,False,,495829.19,51437.52,47283.14,52006.24,12351.48,False,0,-0.32,-20.0
LI-2024-INS004-002140,2020-02-18,1,52,53,1968,male,never_smoker,32.9,66,203,RI,USA,widowed,high_school,heavy_blue_collar,115754.01,0.4268,accelerated_UW,112,70,164,50,3.28,124,5.4,False,84.1,5.7,False,False,False,False,False,none,,none,none,bipolar,0,False,True,False,False,False,substandard_table_4,0.9,4.0,False,False,False,True,22,UW-102,2.0,universal_life,5000000,monthly,47989.24,,10yr_declining,31475.8,,,True,quota_share,direct_to_consumer,False,False,False,0.006813,0.029122,SOA_2015_VBT,SOA_Scale_MP2023,2.161,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.015,True,0.00494,1.0,False,,,,0.12,0.1027,False,normal_rate,3.61,2.54,False,False,False,False,False,0.755,38.1,37.1,preferred_longevity,74.6,baseline,1.18,0.461,False,,False,,4968524.2,414283.26,358380.69,383913.92,91179.56,False,0,-2.52,-4.82
LI-2024-INS004-002141,2021-01-15,4,68,72,1953,male,former_smoker,28.2,60,144,NM,USA,married,high_school,professional,20107.35,0.5036,full_paramedical,121,74,167,54,3.09,120,5.8,False,60.9,2.38,False,False,True,False,True,prostate,0.5,none,none,bipolar,6,False,False,False,False,True,standard,,,False,True,False,False,39,UW-289,1.0,universal_life,1000000,quarterly,5827.78,,10yr_declining,4103.23,,,True,none,employer_group,False,False,False,0.038811,0.051624,SOA_2015_VBT,SOA_Scale_MP2023,1.058,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00554,1.0,False,,,,0.08,0.056,False,normal_rate,1.93,2.02,False,False,False,False,False,0.954,22.9,18.9,standard_longevity,58.4,baseline,1.122,0.516,False,,False,,995896.77,47735.5,43677.6,44058.02,11585.63,False,0,1.95,21.49
LI-2024-INS004-002142,2017-08-27,2,52,54,1965,female,never_smoker,30.6,63,172,RI,USA,divorced,bachelors,light_blue_collar,68032.62,0.5202,full_paramedical,118,69,241,42,5.74,86,5.3,False,104.5,,False,False,False,False,False,none,,none,none,anxiety,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-029,1.25,whole_life,2000000,monthly,10960.79,,none,7474.48,,,True,facultative,captive_agent,True,False,False,0.005914,0.01112,SOA_2015_VBT,SOA_Scale_MP2023,1.469,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.015,False,,1.0,False,,,,0.04,0.0514,False,normal_rate,4.9,1.88,False,False,False,False,False,0.872,42.0,40.0,super_preferred_longevity,80.3,baseline,1.11,0.57,False,,False,,1992525.52,86922.51,90019.24,87686.32,20825.5,False,0,5.27,9.83
LI-2024-INS004-002143,2010-06-01,4,47,51,1963,female,current_smoker,34.2,60,175,TN,USA,married,some_college,white_collar,51675.87,0.5609,non_med_guaranteed,137,91,204,44,4.64,105,4.8,True,,,False,False,False,False,False,none,,none,moderate_gold_2,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,5,UW-247,1.0,term_life,5000000,monthly,23966.48,20.0,none,,,,True,none,employer_group,False,False,False,0.009005,0.010342,SOA_2015_VBT,SOA_Scale_MP2023,1.064,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.1051,False,normal_rate,3.82,1.49,False,True,False,False,False,0.756,46.9,42.9,super_preferred_longevity,85.3,baseline,1.079,0.595,False,,False,,5000000.0,206812.04,171329.93,191731.84,45536.31,False,0,4.1,23.76
LI-2024-INS004-002144,2002-04-07,11,56,67,1946,female,never_smoker,26.0,68,170,VT,USA,married,high_school,white_collar,42740.06,0.8056,simplified_issue,157,104,198,44,4.5,101,5.1,False,,,True,False,False,True,False,none,,none,none,depression,7,False,True,False,True,True,substandard_table_6,,6.0,False,False,False,False,34,UW-021,2.5,universal_life,500000,annual,6230.72,,15yr_declining,6050.46,,,False,none,independent_broker,False,False,False,0.015322,0.058163,SOA_2015_VBT,SOA_Scale_MP2023,2.563,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022983,0.008,False,,1.0,False,,,,0.04,0.019,False,normal_rate,6.61,1.81,False,False,False,False,False,0.975,35.8,24.8,preferred_longevity,61.8,baseline,0.896,0.605,False,,False,,493949.54,44864.13,48919.43,49845.76,11838.37,False,0,-0.8,-8.92
LI-2024-INS004-002145,2023-09-26,2,33,35,1990,male,never_smoker,28.6,71,204,DE,USA,single,some_college,white_collar,107150.95,0.7242,full_paramedical,103,80,235,47,5.0,83,4.1,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,9,UW-203,0.61,annuity_immediate,250000,annual,499.74,,none,,,,False,none,employer_group,False,False,False,0.001896,0.001007,SOA_2015_VBT,SOA_Scale_MP2023,0.555,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.005,0.0067,False,normal_rate,3.23,1.09,False,False,False,False,False,0.753,62.2,55.0,super_preferred_longevity,100.0,baseline,0.957,0.878,False,,False,,250000.0,4180.6,3522.09,3997.92,949.51,False,0,3.04,36.39
LI-2024-INS004-002146,2011-01-20,15,76,91,1935,female,former_smoker,33.8,72,249,AL,USA,married,less_than_hs,light_blue_collar,67980.68,0.9123,limited_exam,168,100,205,42,4.88,75,4.8,False,60.7,,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-161,2.0,term_life,500000,annual,8448.26,20.0,none,,,,False,none,bank,False,False,False,0.157602,0.420651,SOA_2015_VBT,SOA_Scale_MP2023,2.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.157602,0.005,False,,1.0,False,,,,0.03,0.0291,False,normal_rate,3.2,1.87,True,False,False,False,False,0.904,14.3,1.0,sub_standard_longevity,27.7,baseline,0.816,0.83,False,,False,,500000.0,3367.24,2949.37,3379.3,28893.05,False,0,-4.92,-0.14
LI-2024-INS004-002147,2024-12-19,1,66,67,1958,male,former_smoker,25.1,63,141,MO,USA,married,some_college,light_blue_collar,20591.0,0.2378,full_paramedical,124,81,184,71,2.59,100,5.9,False,,4.68,True,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,preferred,,,False,False,False,False,14,UW-468,0.77,term_life,500000,monthly,2459.23,30.0,none,,,,False,none,bank,False,False,False,0.026654,0.029273,SOA_2015_VBT,SOA_Scale_MP2023,0.831,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.1,0.2114,False,normal_rate,4.02,2.09,False,False,False,False,False,0.843,21.6,20.6,standard_longevity,47.0,baseline,1.322,0.039,False,,False,,500000.0,21391.76,17716.55,19673.84,4672.54,False,0,0.74,13.1
LI-2024-INS004-002148,2017-10-15,4,66,70,1951,male,former_smoker,28.7,74,223,AL,USA,married,some_college,professional,109468.35,0.5998,full_paramedical,140,92,201,52,3.87,107,5.7,False,75.5,3.94,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-157,1.25,whole_life,1000000,monthly,6356.89,,none,4534.22,,,True,none,independent_broker,True,False,False,0.031812,0.050481,SOA_2015_VBT,SOA_Scale_MP2023,1.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007953,0.012,False,,1.0,False,,,,0.04,0.0488,False,normal_rate,2.27,2.66,False,False,False,False,False,0.823,22.0,18.0,standard_longevity,48.5,baseline,1.05,0.595,False,,False,,995465.78,42830.11,42537.44,45769.61,13095.19,False,0,1.88,11.08
LI-2024-INS004-002149,2007-09-22,14,70,84,1937,female,former_smoker,35.7,66,221,OK,USA,single,some_college,white_collar,222043.64,0.4001,limited_exam,146,84,248,46,5.39,106,6.1,False,72.4,,True,False,True,False,True,breast,0.9,none,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,False,51,UW-127,1.0,term_life,250000,monthly,1984.01,30.0,none,,,,False,none,captive_agent,False,False,False,0.088436,0.110149,SOA_2015_VBT,SOA_Scale_MP2023,1.038,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0414,False,normal_rate,4.19,1.2,False,False,False,False,False,0.79,21.6,9.3,standard_longevity,42.5,baseline,1.2,0.26,True,94.0,False,,250000.0,7386.7,7114.38,7380.52,5467.93,False,0,4.99,18.34
LI-2024-INS004-002150,2010-08-28,13,25,38,1985,female,never_smoker,33.4,58,159,WI,USA,married,high_school,professional,46677.79,0.863,full_paramedical,121,71,220,30,7.33,113,5.0,False,106.7,,True,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-266,1.5,universal_life,500000,monthly,2617.14,,10yr_declining,2831.39,,,False,none,direct_to_consumer,False,False,False,0.001816,0.003357,SOA_2015_VBT,SOA_Scale_MP2023,1.581,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000908,0.02,False,,1.0,False,,,,0.04,0.0565,False,normal_rate,2.01,0.61,False,False,False,False,False,0.922,70.0,55.0,super_preferred_longevity,100.0,baseline,0.853,0.722,False,,False,,497168.61,21426.52,21050.15,20937.12,4972.57,False,0,1.18,10.74
LI-2024-INS004-002151,2008-01-23,8,53,61,1955,male,current_smoker,19.6,64,114,UT,USA,single,less_than_hs,professional,84491.89,0.77,accelerated_UW,116,66,180,68,2.65,60,4.7,True,91.3,2.39,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,17,UW-370,1.5,term_life,5000000,semi_annual,41435.62,30.0,none,,,,True,none,employer_group,False,False,False,0.023565,0.045759,SOA_2015_VBT,SOA_Scale_MP2023,1.563,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011782,0.012,False,,1.0,False,,,,0.05,0.065,False,normal_rate,3.77,1.16,False,False,False,False,False,0.761,36.3,28.3,preferred_longevity,66.5,baseline,0.922,1.0,False,,False,,5000000.0,352169.09,303313.0,331484.96,78727.68,False,0,1.96,2.23
LI-2024-INS004-002152,2017-03-16,10,26,36,1991,male,never_smoker,20.4,60,104,WI,USA,married,high_school,professional,109281.81,0.5512,non_med_guaranteed,106,69,213,56,3.8,127,5.2,False,100.7,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,True,True,standard_plus,,,False,False,False,False,41,UW-452,0.97,whole_life,500000,monthly,1634.88,,none,1465.73,,,False,none,independent_broker,False,False,False,0.00201,0.002153,SOA_2015_VBT,SOA_Scale_MP2023,0.986,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.0252,False,normal_rate,2.55,0.63,False,False,False,False,False,0.902,68.6,60.1,super_preferred_longevity,100.0,baseline,1.087,0.602,True,61.4,False,,498534.27,13971.77,13188.13,13079.04,3106.27,False,0,7.82,21.39
LI-2024-INS004-002153,2005-05-11,19,20,39,1985,male,never_smoker,27.8,62,151,MN,USA,single,graduate,heavy_blue_collar,55489.4,0.6545,full_paramedical,121,79,191,31,6.16,70,4.5,True,89.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,1.05,,False,True,False,False,14,UW-022,1.0,whole_life,1000000,semi_annual,3388.69,,none,4480.63,,,True,facultative,employer_group,False,False,False,0.004839,0.004888,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.0212,False,normal_rate,4.41,2.47,False,False,False,False,False,0.96,70.0,51.0,super_preferred_longevity,98.8,baseline,1.009,0.632,False,,False,,995519.37,27232.46,27296.77,27109.52,6438.51,False,0,3.97,24.11
LI-2024-INS004-002154,2018-08-02,7,32,39,1986,male,never_smoker,21.8,76,179,MS,USA,single,some_college,professional,102317.72,0.3937,full_paramedical,121,75,166,68,2.44,104,5.3,False,83.5,,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-471,2.0,term_life,250000,monthly,1560.45,15.0,none,,,,False,none,bank,False,False,False,0.002419,0.008255,SOA_2015_VBT,SOA_Scale_MP2023,2.002,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.02,False,,1.0,False,,,,0.05,0.0693,False,normal_rate,3.08,2.84,False,False,False,False,False,0.982,61.1,54.1,super_preferred_longevity,99.6,baseline,1.205,0.569,False,,False,,250000.0,13346.23,11032.2,12483.6,2964.85,False,0,0.31,-8.01
LI-2024-INS004-002155,2001-07-26,18,78,96,1923,male,unknown,38.6,72,284,IN,USA,married,some_college,light_blue_collar,113783.02,0.8515,full_paramedical,142,91,267,36,7.42,127,5.1,False,58.8,12.41,False,False,False,True,True,prostate,2.1,none,none,schizophrenia,4,False,False,False,False,True,declined,,,False,False,True,False,32,UW-290,7.0,indexed_ul,100000,monthly,5652.16,,10yr_declining,7166.94,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.181865,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,6.275,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.04,0.0571,False,normal_rate,3.21,2.68,False,False,False,False,False,0.904,6.8,1.0,sub_standard_longevity,26.8,baseline,0.861,0.776,False,,False,,92833.06,2117.42,2078.56,2260.86,19330.39,False,0,-4.73,-20.0
LI-2024-INS004-002156,2003-12-25,15,21,36,1982,male,never_smoker,25.7,73,194,MO,USA,divorced,bachelors,professional,32376.46,0.6995,full_paramedical,129,71,202,64,3.16,83,5.5,False,,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-414,1.25,term_life,1000000,monthly,3489.74,20.0,none,,,,True,quota_share,worksite,False,False,False,0.00201,0.003208,SOA_2015_VBT,SOA_Scale_MP2023,1.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000502,0.02,False,,1.0,False,,,,0.03,0.0342,False,normal_rate,3.67,2.23,False,False,False,False,False,0.965,70.0,53.6,super_preferred_longevity,100.0,baseline,0.975,0.575,True,24.8,False,,1000000.0,25856.43,26270.87,27917.92,6630.51,False,0,3.2,15.24
LI-2024-INS004-002157,2016-10-06,4,53,57,1963,female,never_smoker,21.6,67,138,MA,USA,married,high_school,white_collar,45529.71,0.7843,limited_exam,130,73,253,50,5.06,110,5.3,False,89.0,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-135,1.25,annuity_immediate,500000,quarterly,2814.14,,none,,,,True,none,independent_broker,False,False,False,0.007356,0.01153,SOA_2015_VBT,SOA_Scale_MP2023,1.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001839,0.015,False,,1.0,False,,,,0.005,0.0054,False,normal_rate,4.16,1.24,False,False,False,False,False,0.788,41.8,37.8,super_preferred_longevity,81.0,baseline,0.912,0.807,False,,False,,500000.0,24247.8,21989.46,22513.12,5346.87,False,0,2.84,11.95
LI-2024-INS004-002158,2016-04-11,3,56,59,1960,female,never_smoker,21.8,64,126,MO,USA,single,high_school,light_blue_collar,91725.91,0.1283,accelerated_UW,119,73,150,63,2.38,91,5.8,False,85.2,,False,False,False,False,False,none,,none,none,depression,1,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,True,17,UW-319,1.25,indexed_ul,1000000,semi_annual,6834.31,,15yr_declining,4862.45,,,True,excess_of_loss,independent_broker,False,False,False,0.008319,0.019327,SOA_2015_VBT,SOA_Scale_MP2023,1.477,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00208,0.015,False,,1.0,False,,,,0.08,0.0805,False,normal_rate,3.78,1.57,False,False,False,False,False,0.891,35.7,32.7,preferred_longevity,63.5,baseline,1.404,0.097,False,,False,,995137.55,50253.2,51211.55,54674.48,12985.19,False,0,4.14,9.16
LI-2024-INS004-002159,2009-11-09,10,55,65,1954,male,current_smoker,20.8,65,124,RI,USA,divorced,some_college,white_collar,97761.97,0.0989,non_med_guaranteed,123,77,186,57,3.26,129,4.8,True,85.4,2.12,False,False,False,False,False,none,,none,mild_gold_1,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-404,2.0,term_life,500000,semi_annual,5373.66,25.0,none,,,,False,none,worksite,False,False,False,0.032847,0.13771,SOA_2015_VBT,SOA_Scale_MP2023,2.239,other,True,2016-12-13,False,False,566170.86,0.0007,5e-05,1.095,0.032847,0.012,False,,1.0,False,,,,0.05,0.081,False,normal_rate,4.08,0.55,False,False,False,False,False,0.917,31.5,21.5,standard_longevity,46.2,baseline,1.426,0.146,False,,False,,500000.0,39951.13,38850.96,42989.28,10209.95,False,0,1.95,-10.06
LI-2024-INS004-002160,2007-05-26,8,39,47,1968,female,former_smoker,23.3,63,131,VA,USA,widowed,bachelors,professional,118249.24,0.1674,full_paramedical,121,62,211,52,4.06,103,,False,,,True,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,preferred,,,False,False,False,False,7,UW-300,0.77,indexed_ul,500000,annual,1454.89,,15yr_declining,1161.35,,,False,none,employer_group,False,False,False,0.004421,0.004867,SOA_2015_VBT,SOA_Scale_MP2023,0.801,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0507,False,normal_rate,3.89,0.94,False,False,False,False,False,0.959,54.1,46.1,super_preferred_longevity,84.2,baseline,1.374,0.065,False,,False,,498838.65,12232.51,9938.87,11639.12,2764.29,False,0,4.88,22.79
LI-2024-INS004-002161,2019-12-14,5,50,55,1969,female,never_smoker,37.7,65,226,WI,USA,married,bachelors,professional,112903.1,0.6111,full_paramedical,137,81,202,57,3.54,67,4.7,False,111.1,,False,True,True,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-202,2.25,term_life,1000000,annual,11144.02,10.0,none,,,,True,none,employer_group,False,False,False,0.00642,0.023515,SOA_2015_VBT,SOA_Scale_MP2023,2.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008025,0.015,False,,1.0,True,2025-11-01,non_payment,5.0,0.07,0.1017,False,normal_rate,3.63,1.09,False,False,False,False,False,0.997,48.0,43.0,super_preferred_longevity,96.2,baseline,1.042,0.568,False,,False,,1000000.0,89927.45,80109.32,89152.16,21173.64,False,0,0.78,-1.86
LI-2024-INS004-002162,2011-12-01,15,61,76,1950,female,never_smoker,24.7,64,143,ME,USA,widowed,bachelors,professional,32754.53,0.4331,full_paramedical,125,84,280,51,5.49,112,4.6,False,61.9,,False,False,False,True,True,melanoma,1.9,none,none,schizophrenia,10,False,False,False,False,True,declined,,,False,False,True,False,19,UW-154,7.0,term_life,500000,quarterly,19326.7,10.0,none,,,,False,none,employer_group,False,False,False,0.032669,0.495049,SOA_2015_VBT,SOA_Scale_MP2023,7.789,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.196014,0.012,False,,1.0,False,,,,0.03,0.0487,False,normal_rate,2.29,2.66,False,False,False,False,False,0.767,30.2,15.2,standard_longevity,41.8,baseline,1.175,0.457,False,,False,,500000.0,118809.25,105262.5,117506.34,44142.18,False,0,-5.0,-20.0
LI-2024-INS004-002163,2021-03-19,6,20,26,2001,female,never_smoker,28.5,62,155,OR,USA,single,high_school,light_blue_collar,20530.24,0.5727,simplified_issue,142,92,258,45,5.73,101,,False,110.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-129,1.25,indexed_ul,500000,annual,1480.87,,15yr_declining,1104.11,,,False,none,independent_broker,False,False,False,0.000983,0.007558,SOA_2015_VBT,SOA_Scale_MP2023,1.406,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000246,0.012,True,0.00583,1.0,False,,,,0.06,0.0335,False,normal_rate,3.41,0.73,False,False,False,False,False,0.831,70.0,54.9,super_preferred_longevity,100.0,baseline,1.07,0.585,False,,True,-0.087,498895.89,10776.06,12037.36,11846.96,2813.65,False,0,2.96,4.52
LI-2024-INS004-002164,2011-10-10,5,75,80,1936,female,never_smoker,28.0,58,133,UT,USA,married,high_school,white_collar,198019.73,0.8047,full_paramedical,128,89,222,55,4.04,87,,False,,,True,True,False,True,True,breast,4.5,none,none,schizophrenia,5,True,False,False,False,True,declined,,,True,False,True,False,34,UW-232,7.0,term_life,500000,quarterly,21778.47,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.047952,0.551741,SOA_2015_VBT,SOA_Scale_MP2023,6.142,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.287711,0.005,False,,1.0,False,,,,0.07,0.1035,False,normal_rate,2.39,0.76,False,False,False,False,False,0.889,15.0,10.0,standard_longevity,39.6,baseline,0.896,0.708,False,,False,,500000.0,92208.35,81347.76,87113.88,58801.87,False,0,-5.0,-20.0
LI-2024-INS004-002165,2008-02-24,2,80,82,1928,female,never_smoker,33.9,66,210,WA,USA,married,high_school,light_blue_collar,74992.36,0.4462,full_paramedical,137,73,262,45,5.82,117,4.7,False,,,True,False,False,True,True,breast,7.6,none,none,none,1,False,False,False,False,True,declined,,,False,False,True,False,53,UW-070,7.0,indexed_ul,500000,semi_annual,22821.52,,10yr_declining,15952.33,,,False,none,independent_broker,False,False,False,0.042173,0.583989,SOA_2015_VBT,SOA_Scale_MP2023,6.734,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.253038,0.012,False,,1.0,False,,,,0.08,0.0483,False,normal_rate,3.25,1.59,False,False,False,False,False,0.836,7.9,7.2,sub_standard_longevity,30.0,baseline,1.165,0.476,True,92.0,False,,484047.67,71707.51,64613.16,65725.98,66730.12,False,0,-5.0,-20.0
LI-2024-INS004-002166,2000-10-15,27,35,62,1965,male,never_smoker,21.4,74,166,OH,USA,married,graduate,hazardous,75879.14,0.3876,non_med_guaranteed,107,65,164,59,2.78,93,,False,77.2,2.23,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,preferred,4.3,,True,False,False,False,59,UW-465,0.82,term_life,2000000,monthly,8110.19,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.014482,0.014694,SOA_2015_VBT,SOA_Scale_MP2023,0.839,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0417,False,normal_rate,4.05,1.58,False,False,False,False,False,0.776,54.5,27.5,standard_longevity,59.6,baseline,1.209,0.328,False,,False,,2000000.0,68060.44,58699.0,64881.52,15409.36,False,0,0.35,23.51
LI-2024-INS004-002167,2015-08-22,3,58,61,1957,male,never_smoker,20.4,64,119,IL,USA,single,high_school,light_blue_collar,87574.93,0.5789,full_paramedical,147,91,230,48,4.79,67,5.2,False,61.6,2.06,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,5,UW-354,1.5,universal_life,100000,monthly,714.49,,15yr_declining,514.91,,,False,none,captive_agent,False,False,False,0.01207,0.027815,SOA_2015_VBT,SOA_Scale_MP2023,1.693,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006035,0.012,False,,1.0,False,,,,0.08,0.0445,False,normal_rate,2.56,0.84,False,False,False,False,False,0.848,30.8,31.7,preferred_longevity,68.7,baseline,1.066,0.483,True,74.8,False,,99485.09,5184.13,5456.55,5715.92,1357.53,False,0,2.1,10.93
LI-2024-INS004-002168,2006-01-17,13,26,39,1980,female,never_smoker,18.1,63,102,AZ,USA,single,bachelors,white_collar,108982.73,0.4444,accelerated_UW,133,95,209,55,3.8,72,4.6,False,89.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,24,UW-125,1.5,indexed_ul,250000,annual,1096.09,,10yr_declining,1120.28,,,False,none,captive_agent,False,False,False,0.001936,0.004703,SOA_2015_VBT,SOA_Scale_MP2023,1.654,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000968,0.02,False,,1.0,True,2025-09-28,non_payment,13.0,0.04,0.0538,False,normal_rate,4.97,0.91,False,False,False,False,False,0.985,70.0,55.0,super_preferred_longevity,100.0,baseline,1.167,0.439,False,,False,,248879.72,8268.98,8604.89,8768.72,2082.57,False,0,0.6,10.61
LI-2024-INS004-002169,2002-03-03,16,33,49,1969,male,never_smoker,40.9,62,223,IL,USA,single,some_college,heavy_blue_collar,49068.38,0.5459,non_med_guaranteed,139,85,212,21,10.1,100,5.6,False,,0.69,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_4,0.83,4.0,False,False,False,False,46,UW-411,2.0,annuity_immediate,1000000,monthly,9204.26,,none,,,,True,coinsurance,captive_agent,False,False,False,0.004956,0.016685,SOA_2015_VBT,SOA_Scale_MP2023,2.17,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004956,0.015,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.23,0.6,False,False,False,False,False,0.938,57.7,41.7,super_preferred_longevity,83.2,baseline,1.091,0.611,False,,False,,1000000.0,71218.48,72007.6,73634.08,17488.09,False,0,0.74,-5.65
LI-2024-INS004-002170,2020-07-15,6,80,86,1940,female,never_smoker,23.1,66,143,TN,USA,single,high_school,light_blue_collar,37920.26,0.5148,full_paramedical,141,81,236,63,3.75,82,,False,56.6,,False,False,False,False,False,none,,none,none,none,3,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,38,UW-035,1.5,whole_life,500000,semi_annual,6186.51,,none,4716.41,,,False,none,direct_to_consumer,False,False,False,0.075933,0.170799,SOA_2015_VBT,SOA_Scale_MP2023,1.539,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037967,0.008,True,0.00266,1.0,False,,,,0.02,0.0361,False,normal_rate,3.73,2.0,False,False,False,False,False,0.892,9.7,3.7,sub_standard_longevity,25.8,baseline,1.114,0.659,False,,False,,495283.59,8846.72,8303.43,9156.03,19821.58,False,0,1.37,8.41
LI-2024-INS004-002171,2003-03-23,4,40,44,1963,female,never_smoker,24.1,72,177,CO,USA,married,bachelors,white_collar,113344.44,0.2961,full_paramedical,118,65,225,54,4.17,91,5.3,False,,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,24,UW-481,0.56,whole_life,2000000,monthly,3931.34,,none,2615.18,,,True,facultative,captive_agent,False,False,False,0.002643,0.002017,SOA_2015_VBT,SOA_Scale_MP2023,0.597,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0819,False,normal_rate,5.8,1.63,False,False,False,False,False,0.879,52.8,52.9,super_preferred_longevity,96.3,baseline,1.278,0.371,True,59.1,False,,1997384.82,32841.45,29926.02,31450.72,7469.55,False,0,4.85,24.14
LI-2024-INS004-002172,2023-07-07,1,55,56,1968,male,former_smoker,29.0,73,219,NV,USA,married,high_school,heavy_blue_collar,112524.1,0.6689,full_paramedical,124,83,207,54,3.83,87,5.6,False,,2.38,False,True,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,0.77,5.0,False,False,False,False,11,UW-422,2.25,whole_life,250000,monthly,2451.23,,none,1648.4,,,False,none,captive_agent,False,False,False,0.011334,0.041675,SOA_2015_VBT,SOA_Scale_MP2023,2.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014168,0.015,False,,1.0,False,,,,0.06,0.0699,False,normal_rate,5.09,2.48,False,False,False,False,False,0.776,36.1,35.1,preferred_longevity,75.2,baseline,0.998,0.585,False,,False,,248351.6,20584.64,18784.37,19609.84,4657.34,False,0,-0.99,-10.78
LI-2024-INS004-002173,2010-11-04,8,66,74,1944,female,never_smoker,22.1,62,120,NV,USA,married,bachelors,professional,20000.0,0.757,full_paramedical,114,73,195,50,3.9,96,5.3,False,65.4,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,preferred_plus,,,False,False,False,False,13,UW-141,0.68,universal_life,250000,annual,1101.38,,10yr_declining,911.71,,,False,none,independent_broker,False,False,False,0.027776,0.016702,SOA_2015_VBT,SOA_Scale_MP2023,0.645,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0295,False,normal_rate,4.17,2.39,False,False,False,False,False,0.983,25.3,17.3,standard_longevity,49.8,baseline,0.932,0.661,False,,False,,249088.29,7088.89,7131.91,7621.55,2330.52,False,0,5.4,34.99
LI-2024-INS004-002174,2019-06-03,3,49,52,1970,female,former_smoker,32.1,63,181,AZ,USA,single,some_college,professional,25623.75,0.5782,full_paramedical,137,93,194,37,5.24,90,7.6,False,,,False,False,False,False,False,none,,type_2,none,schizophrenia,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,34,UW-476,2.25,term_life,500000,annual,5241.97,30.0,none,,,,False,none,captive_agent,False,False,False,0.006536,0.024965,SOA_2015_VBT,SOA_Scale_MP2023,2.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00817,0.018,False,,1.0,False,,,,0.07,0.0866,False,normal_rate,4.71,2.65,False,False,False,False,False,0.782,46.3,43.3,super_preferred_longevity,86.1,baseline,1.066,0.487,False,,False,,500000.0,45856.58,42609.84,41935.76,9959.74,False,0,3.16,-12.05
LI-2024-INS004-002175,2021-09-07,5,36,41,1985,male,never_smoker,26.1,75,208,AR,USA,divorced,high_school,white_collar,33278.26,0.7429,full_paramedical,145,91,163,58,2.81,95,5.1,False,82.1,1.14,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-377,1.25,term_life,2000000,monthly,7744.84,15.0,none,,,,True,none,independent_broker,False,False,False,0.002761,0.007696,SOA_2015_VBT,SOA_Scale_MP2023,1.391,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00069,0.02,True,0.00338,1.0,False,,,,0.07,0.0774,False,normal_rate,3.09,1.03,False,False,False,False,False,0.935,58.3,55.4,super_preferred_longevity,100.0,baseline,0.943,0.541,True,45.8,False,,2000000.0,67417.61,61438.35,61958.72,14715.2,False,0,2.03,13.83
LI-2024-INS004-002176,2002-12-18,6,68,74,1934,male,never_smoker,20.3,76,166,OR,USA,married,bachelors,white_collar,34626.78,0.7949,accelerated_UW,113,78,241,60,4.02,84,5.2,False,,17.45,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,28,UW-016,2.25,term_life,500000,annual,7907.09,20.0,none,,,,False,none,bank,False,False,False,0.035185,0.123165,SOA_2015_VBT,SOA_Scale_MP2023,2.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.043981,0.005,False,,1.0,False,,,,0.05,0.0532,False,normal_rate,4.1,2.22,False,False,False,False,False,0.908,17.7,11.7,standard_longevity,42.0,baseline,0.904,0.814,False,,False,,500000.0,38062.1,34772.6,37005.18,20273.78,False,0,-0.01,-2.45
LI-2024-INS004-002177,2019-10-20,7,41,48,1978,male,never_smoker,34.6,74,269,AZ,USA,married,bachelors,hazardous,59866.63,0.7257,full_paramedical,131,91,194,54,3.59,98,5.3,False,87.0,2.62,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,2.8,1.0,True,False,False,False,26,UW-452,1.25,universal_life,2000000,annual,10703.62,,15yr_declining,8627.38,,,True,quota_share,captive_agent,False,False,False,0.004587,0.007075,SOA_2015_VBT,SOA_Scale_MP2023,1.352,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001147,0.018,False,,1.0,False,,,,0.06,0.0302,False,normal_rate,4.14,2.21,False,False,False,False,False,0.781,52.0,45.0,super_preferred_longevity,90.9,baseline,0.956,0.731,False,,False,,1991372.62,83501.15,77292.94,85628.96,20336.88,False,0,4.44,10.96
LI-2024-INS004-002178,2015-04-25,11,49,60,1966,female,unknown,15.0,69,101,PA,USA,single,less_than_hs,white_collar,96917.16,0.8737,full_paramedical,123,84,177,62,2.85,97,5.0,False,81.7,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,True,True,declined,,,False,False,True,False,53,UW-045,7.0,whole_life,1000000,annual,31589.7,,none,31006.15,,,True,none,bank,False,False,False,0.011231,0.13504,SOA_2015_VBT,SOA_Scale_MP2023,7.131,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.067387,0.015,False,,1.0,False,,,,0.015,0.015,False,normal_rate,4.04,0.79,False,False,False,False,False,0.973,46.6,35.6,preferred_longevity,79.0,baseline,0.845,0.761,False,,False,,968993.85,243110.39,250193.47,252717.6,60020.43,False,0,-5.0,-20.0
LI-2024-INS004-002179,2014-06-08,5,31,36,1983,female,never_smoker,24.9,58,119,DE,USA,single,bachelors,light_blue_collar,39708.77,0.2783,limited_exam,117,69,221,53,4.17,97,,False,61.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,27,UW-015,1.0,annuity_immediate,5000000,monthly,17191.25,,none,,,,True,none,direct_to_consumer,False,False,False,0.001608,0.002224,SOA_2015_VBT,SOA_Scale_MP2023,1.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.005,0.0145,False,normal_rate,1.82,0.98,False,False,False,False,False,0.897,65.2,55.0,super_preferred_longevity,99.2,baseline,1.291,0.277,False,,False,,5000000.0,132121.15,125185.15,137530.0,32663.38,False,0,4.18,14.3
LI-2024-INS004-002180,2004-11-11,18,55,73,1949,male,current_smoker,37.6,64,219,RI,USA,married,bachelors,professional,23438.23,0.61,full_paramedical,152,95,297,55,5.4,98,5.2,True,60.5,11.62,False,False,False,False,False,none,,none,severe_gold_3,depression,10,False,True,False,False,False,substandard_table_9,,9.0,False,False,False,False,14,UW-292,3.25,term_life,1000000,semi_annual,19059.13,10.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.066237,0.415298,SOA_2015_VBT,SOA_Scale_MP2023,3.856,infectious,True,2013-08-17,False,False,253792.34,0.0007,5e-05,1.095,0.149033,0.008,False,,1.0,True,2025-11-18,voluntary_surrender,18.0,0.03,0.0509,False,normal_rate,2.8,2.31,False,False,False,False,False,0.982,32.4,9.4,standard_longevity,35.8,baseline,1.042,0.683,True,36.5,True,-3.428,1000000.0,72275.47,66875.05,71662.33,52374.49,False,0,-2.76,-20.0
LI-2024-INS004-002181,2011-11-28,9,46,55,1965,female,never_smoker,29.6,71,212,MO,USA,divorced,bachelors,professional,46295.25,0.9545,full_paramedical,141,96,226,31,7.29,102,,False,,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-394,1.5,term_life,500000,annual,3585.54,25.0,none,,,,False,none,independent_broker,False,False,False,0.00642,0.011522,SOA_2015_VBT,SOA_Scale_MP2023,1.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00321,0.015,False,,1.0,False,,,,0.05,0.0468,False,normal_rate,3.96,0.93,False,False,False,False,False,0.939,52.8,43.8,super_preferred_longevity,100.0,baseline,0.784,0.934,False,,False,,500000.0,28708.08,24496.8,28684.32,6812.53,False,0,2.43,7.33
LI-2024-INS004-002182,2010-05-05,5,33,38,1977,female,never_smoker,24.0,72,176,AL,USA,single,some_college,light_blue_collar,46051.0,0.4271,non_med_guaranteed,120,79,184,54,3.41,62,,False,101.9,,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,26,UW-170,2.25,whole_life,2000000,monthly,15395.26,,none,11631.88,,,True,none,direct_to_consumer,False,False,False,0.001816,0.00723,SOA_2015_VBT,SOA_Scale_MP2023,2.315,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.018,False,,1.0,False,,,,0.04,0.0761,False,normal_rate,3.86,0.78,False,False,False,False,False,0.762,62.7,55.0,super_preferred_longevity,100.0,baseline,1.18,0.511,False,,False,,1988368.12,116403.72,117687.47,123162.08,29250.99,False,0,3.48,-11.16
LI-2024-INS004-002183,2001-12-09,24,18,42,1983,female,never_smoker,31.0,61,163,MN,USA,married,bachelors,professional,27972.74,0.2064,non_med_guaranteed,125,79,232,52,4.46,116,,False,79.2,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,25,UW-292,0.82,term_life,1000000,monthly,3276.65,10.0,none,,,,True,none,captive_agent,False,False,False,0.002366,0.002444,SOA_2015_VBT,SOA_Scale_MP2023,0.768,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.046,False,normal_rate,2.59,1.68,False,False,False,False,False,0.835,70.0,51.1,super_preferred_longevity,92.2,baseline,1.345,0.141,True,66.8,True,-0.004,1000000.0,26618.23,26995.96,26213.2,6225.63,False,0,1.75,25.42
LI-2024-INS004-002184,2011-03-05,9,46,55,1965,female,never_smoker,30.9,64,180,NM,USA,single,bachelors,professional,20000.0,0.4597,full_paramedical,152,100,149,42,3.55,96,5.3,False,81.7,,False,False,True,False,True,melanoma,1.4,none,none,bipolar,2,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,51,UW-499,2.25,indexed_ul,1000000,annual,10359.95,,10yr_declining,9243.75,7635.34,0.826,True,excess_of_loss,bank,False,False,False,0.00642,0.025107,SOA_2015_VBT,SOA_Scale_MP2023,2.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008025,0.015,False,,1.0,False,,,,0.06,0.0216,False,normal_rate,2.87,2.32,False,False,False,False,False,1.0,50.8,42.0,super_preferred_longevity,92.4,baseline,1.155,0.544,True,34.8,False,,990756.25,79820.67,86085.21,82879.6,19683.91,False,0,-0.6,-17.77
LI-2024-INS004-002185,2019-08-03,6,80,86,1939,female,never_smoker,20.0,66,123,KY,USA,single,some_college,heavy_blue_collar,81414.06,0.5546,full_paramedical,135,81,224,67,3.34,101,5.1,False,60.6,,False,False,False,True,False,none,,none,none,substance_use_disorder,3,False,False,False,False,True,substandard_table_6,0.72,6.0,False,False,False,False,47,UW-330,2.5,term_life,100000,semi_annual,1864.34,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.081478,0.352308,SOA_2015_VBT,SOA_Scale_MP2023,2.605,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.122217,0.005,False,,1.0,False,,,,0.05,0.3237,False,normal_rate,2.12,3.0,False,False,False,True,False,0.867,9.5,3.5,sub_standard_longevity,26.1,baseline,1.084,0.491,False,,False,,100000.0,2357.69,2576.29,2610.08,6003.17,False,0,0.76,-19.34
LI-2024-INS004-002186,2016-08-26,5,50,55,1966,female,never_smoker,20.8,71,149,RI,USA,single,high_school,hazardous,77735.72,0.818,full_paramedical,131,87,209,42,4.98,116,4.8,False,112.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,4.42,1.0,True,False,False,False,19,UW-279,1.25,term_life,1000000,annual,6373.78,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.00642,0.009528,SOA_2015_VBT,SOA_Scale_MP2023,1.392,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001605,0.015,False,,1.0,False,,,,0.07,0.0732,False,normal_rate,3.78,2.04,False,False,False,False,False,0.947,45.4,40.4,super_preferred_longevity,85.4,baseline,0.887,0.986,False,,False,,1000000.0,51467.32,44970.44,50990.24,12110.18,False,0,-1.15,19.21
LI-2024-INS004-002187,2019-11-09,2,21,23,1998,female,never_smoker,25.7,68,168,NC,USA,single,some_college,light_blue_collar,20000.0,0.2931,simplified_issue,98,60,175,67,2.61,83,5.3,False,81.8,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-152,2.25,annuity_deferred,500000,monthly,2282.37,,none,1404.98,,,False,none,employer_group,False,False,False,0.000882,0.003687,SOA_2015_VBT,SOA_Scale_MP2023,2.289,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001103,0.022,False,,1.0,False,,,,0.04,0.0985,False,normal_rate,5.24,1.25,False,False,False,False,False,0.928,70.0,58.6,super_preferred_longevity,100.0,baseline,1.28,0.328,True,54.0,False,,498595.02,17459.36,16842.61,18258.96,4336.5,False,0,3.95,-10.67
LI-2024-INS004-002188,2024-12-28,2,43,45,1981,male,never_smoker,29.0,69,196,OK,USA,married,less_than_hs,professional,42000.86,0.8271,full_paramedical,142,83,266,55,4.84,101,5.0,False,,0.66,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-219,1.25,term_life,250000,monthly,1321.94,15.0,none,,,,False,none,independent_broker,False,False,False,0.003662,0.005278,SOA_2015_VBT,SOA_Scale_MP2023,1.354,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000916,0.02,False,,1.0,False,,,,0.07,0.0727,False,normal_rate,4.84,1.11,False,False,False,False,False,0.842,51.1,48.3,super_preferred_longevity,97.4,baseline,0.88,0.887,True,28.1,False,,250000.0,11032.85,11030.9,10575.52,2511.69,False,0,4.69,12.94
LI-2024-INS004-002189,2003-01-22,15,60,75,1943,male,never_smoker,29.5,62,161,MO,USA,single,high_school,light_blue_collar,42867.22,0.7217,non_med_guaranteed,115,71,270,31,8.71,104,,False,92.6,3.75,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-042,2.25,group_life,1000000,monthly,12304.95,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.037587,0.136784,SOA_2015_VBT,SOA_Scale_MP2023,2.492,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046983,0.008,False,,1.0,False,,,,0.1,0.1123,False,normal_rate,5.36,0.58,False,False,False,False,False,0.972,27.0,12.1,standard_longevity,41.5,baseline,0.959,0.793,True,36.7,False,,1000000.0,56519.67,55230.53,59555.96,31156.13,False,0,3.69,-13.56
LI-2024-INS004-002190,2018-08-11,7,41,48,1977,male,former_smoker,30.4,60,155,AK,USA,single,less_than_hs,hazardous,20000.0,0.8711,limited_exam,115,69,216,49,4.41,96,5.3,False,71.0,1.94,False,False,False,False,False,none,,none,none,depression,9,False,False,False,False,False,substandard_table_1,3.36,1.0,True,False,False,False,8,UW-118,1.25,whole_life,100000,quarterly,545.84,,none,419.74,,,False,none,independent_broker,False,False,False,0.005964,0.008813,SOA_2015_VBT,SOA_Scale_MP2023,1.45,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001491,0.018,False,,1.0,False,,,,0.02,0.0201,False,normal_rate,5.22,2.33,False,False,False,False,False,0.848,52.5,45.5,super_preferred_longevity,93.8,baseline,0.847,0.963,False,,False,,99580.26,4195.91,4082.53,4366.72,1037.1,False,0,3.53,13.21
LI-2024-INS004-002191,2019-10-18,6,54,60,1965,female,never_smoker,28.5,60,146,MS,USA,single,high_school,white_collar,141354.69,0.5975,full_paramedical,119,73,219,49,4.47,87,,False,71.2,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,preferred_plus,,,False,False,False,False,65,UW-179,0.58,annuity_deferred,1000000,monthly,3324.47,,none,2653.23,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.009766,0.005989,SOA_2015_VBT,SOA_Scale_MP2023,0.583,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.0342,False,normal_rate,4.8,1.8,False,False,False,False,False,0.783,40.3,34.3,preferred_longevity,72.9,baseline,1.052,0.617,False,,False,,997346.77,26960.71,26189.69,26595.76,6316.49,False,0,-1.01,29.62
LI-2024-INS004-002192,2013-01-21,1,67,68,1946,female,current_smoker,29.6,58,141,WV,USA,single,some_college,professional,20000.0,0.3818,full_paramedical,122,68,254,37,6.86,74,5.6,True,70.8,,False,False,False,True,False,none,,none,none,none,11,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,24,UW-254,3.0,annuity_deferred,5000000,monthly,86397.73,,none,56986.59,,,True,quota_share,captive_agent,False,False,False,0.033431,0.200673,SOA_2015_VBT,SOA_Scale_MP2023,3.298,cancer,True,2013-05-26,True,False,678773.08,0.0007,5e-05,1.095,0.066862,0.008,False,,1.0,False,,,,0.06,0.0837,False,normal_rate,6.17,2.25,False,False,False,False,False,0.782,23.1,22.1,standard_longevity,51.4,baseline,1.214,0.512,False,,False,,4943013.41,701194.79,718651.52,691181.84,164155.69,False,0,-1.23,-20.0
LI-2024-INS004-002193,2023-09-10,2,54,56,1969,male,never_smoker,24.3,75,194,FL,USA,married,graduate,professional,65367.66,0.6417,accelerated_UW,97,56,250,36,6.94,72,,False,74.4,0.98,False,False,False,True,False,none,,none,none,substance_use_disorder,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,35,UW-079,2.5,term_life,2000000,semi_annual,21424.05,25.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.008719,0.036748,SOA_2015_VBT,SOA_Scale_MP2023,2.665,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013078,0.015,False,,1.0,False,,,,0.07,0.0997,False,normal_rate,5.3,2.38,False,False,False,False,False,0.78,37.1,35.1,preferred_longevity,74.8,baseline,1.019,0.421,False,,False,,2000000.0,160179.8,147369.33,171392.4,40705.69,False,0,-1.86,-17.61
LI-2024-INS004-002194,2012-05-08,6,54,60,1958,female,never_smoker,31.9,60,163,NE,USA,married,bachelors,light_blue_collar,23919.44,0.6353,full_paramedical,136,87,217,32,6.78,93,,False,77.3,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-391,1.5,universal_life,100000,quarterly,729.09,,10yr_declining,574.54,,,False,none,worksite,False,False,False,0.008975,0.018312,SOA_2015_VBT,SOA_Scale_MP2023,1.505,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004487,0.012,False,,1.0,False,,,,0.06,0.0322,False,normal_rate,3.14,2.53,False,False,False,False,False,0.943,39.2,33.2,preferred_longevity,71.8,baseline,1.024,0.71,False,,False,,99425.46,6080.01,5763.05,5832.72,1385.27,False,0,4.26,1.66
LI-2024-INS004-002195,2024-04-03,2,53,55,1971,male,never_smoker,26.0,71,186,WV,USA,divorced,high_school,professional,311319.2,0.707,non_med_guaranteed,123,64,182,42,4.33,81,,False,79.4,3.35,True,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-480,1.25,term_life,1000000,annual,6372.35,30.0,none,,,,True,none,bank,False,False,False,0.008025,0.012412,SOA_2015_VBT,SOA_Scale_MP2023,1.337,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002006,0.018,False,,1.0,False,,,,0.07,0.0794,False,normal_rate,3.42,1.14,False,True,False,False,False,0.794,38.9,39.0,super_preferred_longevity,81.6,baseline,0.97,0.6,True,51.3,False,,1000000.0,51288.58,46536.19,50978.8,12107.47,False,0,2.82,16.92
LI-2024-INS004-002196,2006-08-08,5,21,26,1985,male,never_smoker,26.8,66,165,FL,USA,single,some_college,professional,30953.37,0.4175,full_paramedical,102,65,185,46,4.02,103,5.3,False,,,False,True,False,False,False,none,,none,none,none,12,False,False,False,False,False,preferred_plus,,,False,False,False,False,11,UW-180,0.55,indexed_ul,2000000,monthly,2317.83,,15yr_declining,1801.77,,,True,none,captive_agent,False,False,False,0.001229,0.000814,SOA_2015_VBT,SOA_Scale_MP2023,0.558,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.1538,False,normal_rate,4.16,0.79,False,False,False,True,False,0.844,70.0,55.0,super_preferred_longevity,100.0,baseline,1.187,0.372,False,,False,,1998198.23,20392.73,15988.27,18542.64,4403.88,False,0,3.67,34.14
LI-2024-INS004-002197,2017-03-26,10,71,81,1946,female,former_smoker,24.1,68,158,SD,USA,single,some_college,white_collar,53044.78,0.4059,non_med_guaranteed,136,83,206,61,3.38,89,5.3,False,,,False,True,False,False,True,breast,0.2,none,none,none,1,False,False,False,False,True,standard,,,False,True,False,False,47,UW-034,1.0,term_life,500000,monthly,3506.62,25.0,none,,,,False,none,bank,False,False,False,0.067484,0.087056,SOA_2015_VBT,SOA_Scale_MP2023,1.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0688,False,normal_rate,3.39,0.6,False,False,False,False,False,0.945,19.2,9.2,sub_standard_longevity,32.4,baseline,1.196,0.425,False,,False,,500000.0,12097.1,12148.74,12904.36,9692.3,False,0,5.05,20.47
LI-2024-INS004-002198,2002-12-09,8,80,88,1922,male,never_smoker,30.2,64,175,GA,USA,married,less_than_hs,light_blue_collar,157616.94,0.7817,non_med_guaranteed,150,89,254,29,8.76,115,5.2,False,56.7,3.23,False,False,False,True,False,none,,none,none,substance_use_disorder,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,28,UW-198,2.5,universal_life,2000000,monthly,38028.29,,15yr_declining,30933.08,,,True,quota_share,captive_agent,False,False,False,0.081722,0.315534,SOA_2015_VBT,SOA_Scale_MP2023,2.584,cardiovascular,True,2006-08-24,False,False,1244095.07,0.0007,5e-05,1.095,0.122583,0.012,False,,1.0,False,,,,0.06,0.029,False,normal_rate,3.34,1.86,False,False,False,False,False,0.756,5.0,1.0,sub_standard_longevity,25.7,baseline,0.914,0.73,False,,False,,1969066.92,16172.54,14513.93,15211.32,130056.75,False,0,0.88,-13.89
LI-2024-INS004-002199,2003-08-28,2,49,51,1954,female,former_smoker,24.6,58,117,LA,USA,married,some_college,white_collar,20000.0,0.4611,full_paramedical,114,81,184,39,4.72,98,5.3,False,,,False,False,True,False,False,none,,none,none,none,2,False,False,False,True,True,standard,,,False,False,False,False,40,UW-081,1.09,group_life,250000,semi_annual,1289.1,,none,,,,False,none,employer_group,False,False,False,0.005283,0.006939,SOA_2015_VBT,SOA_Scale_MP2023,1.06,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000475,0.012,False,,1.0,False,,,,0.15,0.2396,False,normal_rate,5.94,0.56,False,False,False,False,False,0.896,45.9,43.9,super_preferred_longevity,95.3,baseline,1.154,0.437,False,,False,,250000.0,10480.27,10060.21,10312.8,2449.29,False,0,3.84,16.73
LI-2024-INS004-002200,2016-04-28,10,73,83,1943,male,never_smoker,32.5,67,207,AL,USA,single,some_college,white_collar,73758.9,0.3299,full_paramedical,128,79,229,45,5.09,78,5.1,False,58.1,14.47,False,False,True,False,False,none,,none,none,none,5,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,43,UW-021,1.5,term_life,100000,semi_annual,1180.47,20.0,none,,,,False,none,employer_group,False,False,False,0.075261,0.191007,SOA_2015_VBT,SOA_Scale_MP2023,1.627,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03763,0.008,False,,1.0,False,,,,0.05,0.0862,False,normal_rate,2.78,0.77,False,False,False,False,False,0.827,15.4,5.4,standard_longevity,35.5,baseline,1.253,0.262,False,,False,,100000.0,2361.91,2459.4,2549.82,3621.68,False,0,4.86,2.15
LI-2024-INS004-002201,2013-11-09,4,61,65,1952,female,never_smoker,26.2,62,143,VA,USA,married,bachelors,heavy_blue_collar,47036.32,0.5463,full_paramedical,130,86,222,40,5.55,93,5.0,False,83.8,,False,False,False,False,True,breast,2.0,none,none,none,5,False,False,False,False,True,substandard_table_4,0.91,4.0,False,False,False,False,35,UW-330,2.0,term_life,250000,quarterly,3003.28,30.0,none,,,,True,quota_share,independent_broker,True,False,False,0.012825,0.04391,SOA_2015_VBT,SOA_Scale_MP2023,2.223,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012825,0.012,False,,1.0,False,,,,0.07,0.0884,False,normal_rate,3.62,2.21,False,False,False,False,False,0.995,30.9,26.9,preferred_longevity,61.0,baseline,1.09,0.527,False,,False,,250000.0,22588.96,23048.01,24026.24,5706.23,False,0,1.42,-10.89
LI-2024-INS004-002202,2018-08-06,7,47,54,1971,female,never_smoker,19.5,65,117,WY,USA,married,high_school,light_blue_collar,77434.5,0.8299,accelerated_UW,126,74,195,53,3.68,80,,False,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,,,False,False,False,True,30,UW-486,0.59,universal_life,1000000,annual,2698.35,,15yr_declining,2210.43,,,True,facultative,bank,False,False,False,0.005914,0.003306,SOA_2015_VBT,SOA_Scale_MP2023,0.637,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.028,False,normal_rate,3.62,1.02,False,False,False,False,False,0.814,49.4,42.4,super_preferred_longevity,88.5,baseline,0.878,0.808,False,,False,,997789.57,21096.7,22423.83,21586.8,5126.87,False,0,6.89,30.95
LI-2024-INS004-002203,2016-12-02,10,30,40,1986,male,never_smoker,15.8,71,113,DE,USA,single,some_college,white_collar,20000.0,0.3341,full_paramedical,114,68,214,38,5.63,80,5.5,False,80.5,1.31,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,declined,,,False,False,True,False,19,UW-041,7.0,universal_life,500000,quarterly,11170.12,,15yr_declining,10304.09,,,False,none,independent_broker,False,False,False,0.002583,0.036718,SOA_2015_VBT,SOA_Scale_MP2023,6.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015496,0.02,False,,1.0,False,,,,0.06,0.0387,False,normal_rate,3.56,1.95,False,False,False,False,False,0.807,62.8,52.8,super_preferred_longevity,96.7,baseline,1.249,0.454,False,,False,,489695.91,96777.18,92298.04,89360.96,21223.23,False,0,-5.0,-20.0
LI-2024-INS004-002204,2004-01-27,7,40,47,1964,female,never_smoker,27.3,62,149,NC,USA,married,bachelors,white_collar,70296.33,0.5473,non_med_guaranteed,126,76,226,39,5.79,83,4.6,False,86.9,,False,False,False,False,True,colorectal,6.4,none,none,none,4,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,17,UW-118,1.25,term_life,500000,monthly,2258.69,20.0,none,,,,False,none,independent_broker,False,False,False,0.00335,0.006169,SOA_2015_VBT,SOA_Scale_MP2023,1.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000837,0.015,False,,1.0,False,,,,0.05,0.0631,False,normal_rate,5.36,2.86,False,False,False,True,False,0.757,54.0,47.0,super_preferred_longevity,91.2,baseline,1.09,0.478,False,,False,,500000.0,18818.34,18345.81,18069.52,4291.51,False,0,2.2,13.13
LI-2024-INS004-002205,2005-12-04,17,52,69,1953,female,never_smoker,37.1,68,243,AZ,USA,divorced,some_college,heavy_blue_collar,169864.62,0.7491,full_paramedical,120,65,288,29,9.93,89,4.8,False,106.7,,False,False,True,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,0.51,6.0,False,False,False,False,40,UW-306,2.5,whole_life,500000,annual,7168.51,,none,8593.35,,,False,none,independent_broker,True,False,False,0.018379,0.071401,SOA_2015_VBT,SOA_Scale_MP2023,2.542,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027569,0.012,False,,1.0,False,,,,0.015,0.0165,False,normal_rate,3.43,2.69,False,False,False,False,False,0.901,43.9,29.3,preferred_longevity,77.7,baseline,0.938,0.792,True,61.0,False,,491406.65,60973.68,52226.18,57348.08,13620.17,False,0,-0.75,-17.15
LI-2024-INS004-002206,2023-07-05,1,55,56,1968,male,never_smoker,17.4,61,92,MO,USA,divorced,some_college,white_collar,25183.01,0.5052,full_paramedical,118,72,197,59,3.34,75,5.4,False,68.7,3.08,False,True,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-023,0.75,universal_life,100000,monthly,335.91,,10yr_declining,215.56,,,False,none,captive_agent,False,False,False,0.008719,0.007389,SOA_2015_VBT,SOA_Scale_MP2023,0.756,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.12,0.07,False,normal_rate,4.89,1.69,False,False,False,False,False,0.973,38.4,36.3,super_preferred_longevity,84.5,baseline,1.121,0.665,True,23.5,False,,99784.44,2906.54,2357.5,2687.28,638.23,False,0,2.16,29.44
LI-2024-INS004-002207,2010-02-21,15,69,84,1941,male,never_smoker,25.2,61,133,RI,USA,single,graduate,hazardous,33862.24,0.4975,simplified_issue,145,96,216,52,4.15,116,,False,,16.36,False,False,False,True,False,none,,none,none,anxiety,2,False,False,False,False,True,substandard_table_6,4.98,6.0,True,False,False,False,33,UW-402,2.5,term_life,250000,annual,4732.21,25.0,none,,,,False,none,captive_agent,False,False,False,0.080692,0.370913,SOA_2015_VBT,SOA_Scale_MP2023,2.748,cancer,True,2010-05-07,True,False,1814055.96,0.0007,5e-05,1.095,0.121038,0.008,False,,1.0,False,,,,0.03,0.0391,False,normal_rate,5.09,2.07,False,False,False,False,False,0.941,16.8,2.4,sub_standard_longevity,23.6,baseline,1.127,0.347,False,,True,0.379,250000.0,4285.83,4054.4,4542.92,15654.15,False,0,0.02,-10.84
LI-2024-INS004-002208,2009-03-12,3,60,63,1949,male,never_smoker,28.0,60,143,WV,USA,married,bachelors,heavy_blue_collar,136687.39,0.7657,limited_exam,146,88,226,43,5.26,77,5.4,False,93.5,2.17,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,1.32,5.0,False,False,False,False,14,UW-279,2.25,universal_life,100000,annual,1050.34,,10yr_declining,676.75,,,False,none,bank,False,False,False,0.013878,0.048247,SOA_2015_VBT,SOA_Scale_MP2023,2.405,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017348,0.008,False,,1.0,False,,,,0.08,0.0391,False,normal_rate,2.87,1.63,False,False,False,False,False,0.918,28.1,25.1,preferred_longevity,61.6,baseline,0.926,0.753,False,,False,,99323.25,7582.25,7915.08,8402.72,1995.65,False,0,2.67,-6.33
LI-2024-INS004-002209,2008-06-16,6,22,28,1986,female,never_smoker,18.4,60,94,NH,USA,married,graduate,white_collar,171515.26,0.8695,full_paramedical,114,71,211,66,3.2,75,,False,89.5,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-204,2.25,term_life,500000,semi_annual,3021.52,20.0,none,,,,False,none,independent_broker,False,False,False,0.001067,0.003553,SOA_2015_VBT,SOA_Scale_MP2023,2.453,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.02,False,,1.0,False,,,,0.05,0.0502,False,normal_rate,1.71,1.21,False,False,False,False,False,0.849,70.0,55.0,super_preferred_longevity,100.0,baseline,0.848,0.908,False,,False,,500000.0,25766.41,21008.6,24172.16,5740.89,False,0,2.5,-7.77
LI-2024-INS004-002210,2008-06-07,11,48,59,1960,male,never_smoker,27.1,68,178,MO,USA,married,less_than_hs,professional,69861.69,0.5292,full_paramedical,147,90,209,48,4.35,99,4.6,False,74.7,0.92,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-378,1.5,annuity_deferred,2000000,annual,14824.45,,none,14722.72,,,True,facultative,independent_broker,False,False,False,0.010398,0.024194,SOA_2015_VBT,SOA_Scale_MP2023,1.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005199,0.015,False,,1.0,False,,,,0.01,0.0128,False,normal_rate,2.94,2.5,False,False,False,False,False,0.81,41.3,30.3,preferred_longevity,65.9,baseline,1.103,0.549,False,,False,,1985277.28,110572.36,120920.46,118595.6,28166.46,False,0,3.61,5.94
LI-2024-INS004-002211,2002-11-22,24,46,70,1956,female,former_smoker,15.0,71,107,CO,USA,married,bachelors,light_blue_collar,85837.48,0.3666,full_paramedical,130,81,177,53,3.34,91,,False,81.8,,False,False,False,False,False,none,,none,none,bipolar,17,False,True,False,False,False,declined,,,False,False,True,False,8,UW-011,7.0,universal_life,500000,monthly,20319.86,,10yr_declining,32845.98,,,False,none,bank,True,False,False,0.027033,0.375606,SOA_2015_VBT,SOA_Scale_MP2023,6.444,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.162199,0.012,False,,1.0,False,,,,0.04,0.0563,False,normal_rate,3.93,2.01,False,False,False,False,True,0.909,45.8,21.8,standard_longevity,50.7,baseline,1.225,0.33,False,,False,,467154.02,162747.49,146041.65,162558.88,38607.73,False,0,-4.89,-20.0
LI-2024-INS004-002212,2001-07-23,23,49,72,1952,female,never_smoker,23.0,65,138,AZ,USA,divorced,graduate,professional,73696.19,0.6567,accelerated_UW,139,84,199,63,3.16,91,4.7,False,85.8,,False,False,False,False,False,none,,none,none,none,0,True,False,True,True,True,substandard_table_2,4.26,2.0,True,False,False,True,58,UW-067,1.5,universal_life,500000,annual,4764.95,,10yr_declining,7593.65,,,False,none,captive_agent,False,False,False,0.023597,0.049099,SOA_2015_VBT,SOA_Scale_MP2023,1.569,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011799,0.012,False,,1.0,False,,,,0.04,0.047,False,normal_rate,3.46,0.53,False,False,False,False,False,0.853,43.4,20.4,standard_longevity,53.0,baseline,1.007,0.524,False,,False,,492406.35,38223.4,35047.91,38119.6,9053.41,False,0,2.85,10.18
LI-2024-INS004-002213,2009-02-15,1,40,41,1969,male,never_smoker,38.1,68,250,CO,USA,married,high_school,white_collar,76119.85,0.8246,full_paramedical,118,77,270,51,5.29,114,8.1,False,,1.31,False,True,False,False,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,37,UW-487,2.25,term_life,2000000,annual,16156.72,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.002761,0.009501,SOA_2015_VBT,SOA_Scale_MP2023,2.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003452,0.015,False,,1.0,False,,,,0.1,0.104,False,normal_rate,4.66,0.92,False,False,False,False,False,0.812,51.8,50.8,super_preferred_longevity,100.0,baseline,0.882,0.793,False,,False,,2000000.0,119242.68,133884.68,129253.76,30697.77,False,0,1.35,-1.89
LI-2024-INS004-002214,2007-03-23,3,48,51,1959,female,never_smoker,34.8,71,249,NV,USA,married,bachelors,white_collar,20000.0,0.3674,non_med_guaranteed,137,85,251,65,3.86,89,5.6,False,,,False,False,False,False,False,none,,none,none,none,7,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-247,1.25,term_life,500000,monthly,2777.67,15.0,none,,,,False,none,captive_agent,False,False,False,0.004317,0.008796,SOA_2015_VBT,SOA_Scale_MP2023,1.46,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001079,0.012,False,,1.0,True,2025-10-30,replacement,3.0,0.07,0.0984,False,normal_rate,4.53,1.68,False,False,False,False,False,0.788,44.3,41.3,preferred_longevity,80.0,baseline,1.224,0.306,False,,False,,500000.0,23696.31,19474.82,22221.36,5277.57,False,0,1.54,8.32
LI-2024-INS004-002215,2001-06-14,9,22,31,1979,male,never_smoker,33.7,67,215,SD,USA,married,high_school,white_collar,67114.97,0.8726,full_paramedical,130,88,237,49,4.84,114,6.0,False,88.1,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-059,1.25,term_life,1000000,monthly,2941.05,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001532,0.002229,SOA_2015_VBT,SOA_Scale_MP2023,1.425,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000383,0.018,False,,1.0,False,,,,0.05,0.0501,False,normal_rate,3.55,2.3,False,False,False,False,False,0.988,70.0,55.0,super_preferred_longevity,100.0,baseline,0.846,0.721,False,,False,,1000000.0,22743.68,20330.23,23528.4,5588.0,False,0,2.75,15.42
LI-2024-INS004-002216,2003-08-08,20,77,97,1926,male,never_smoker,33.1,74,257,VA,USA,married,some_college,heavy_blue_collar,37306.26,0.8478,accelerated_UW,150,85,242,36,6.72,108,5.5,False,61.4,8.92,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,1.08,2.0,False,False,False,True,17,UW-200,1.5,universal_life,250000,annual,3306.89,,10yr_declining,4629.45,,,False,none,bank,False,False,False,0.177081,0.319455,SOA_2015_VBT,SOA_Scale_MP2023,1.509,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.088541,0.012,False,,1.0,False,,,,0.04,0.0409,False,normal_rate,2.89,1.55,False,False,False,False,False,0.775,8.3,1.0,sub_standard_longevity,26.7,baseline,0.864,0.865,False,,False,,245370.55,1326.09,1133.45,1322.76,11309.56,False,0,-1.31,10.76
LI-2024-INS004-002217,2013-03-21,2,44,46,1969,female,never_smoker,30.9,72,227,MA,USA,single,high_school,white_collar,28229.76,0.3199,accelerated_UW,112,65,198,49,4.04,101,5.4,False,99.0,,False,False,True,False,False,none,,none,none,substance_use_disorder,1,True,False,False,True,True,standard,4.36,,True,True,False,True,33,UW-009,1.0,universal_life,1000000,monthly,3728.74,,10yr_declining,2398.62,,,True,quota_share,direct_to_consumer,True,False,False,0.003155,0.004082,SOA_2015_VBT,SOA_Scale_MP2023,1.027,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0728,False,normal_rate,3.91,1.33,False,False,False,False,False,0.831,52.8,50.8,super_preferred_longevity,100.0,baseline,1.26,0.312,False,,False,,997601.38,31713.18,25355.52,29829.92,7084.61,False,0,3.53,15.26
LI-2024-INS004-002218,2009-10-13,4,20,24,1989,male,never_smoker,33.1,76,272,WY,USA,single,graduate,white_collar,278852.06,0.6417,limited_exam,113,78,228,55,4.15,102,9.5,False,64.0,,False,False,False,False,False,none,,type_2,none,anxiety,6,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,34,UW-189,3.0,universal_life,250000,monthly,1400.63,,15yr_declining,946.72,,,False,none,employer_group,False,False,False,0.001141,0.00593,SOA_2015_VBT,SOA_Scale_MP2023,3.139,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002282,0.02,False,,1.0,False,,,,0.08,0.0513,False,normal_rate,4.05,2.05,False,False,False,False,False,0.975,70.0,55.0,super_preferred_longevity,100.0,baseline,1.019,0.744,False,,False,,249053.28,12257.37,11380.59,11205.04,2661.2,False,0,-2.13,-20.0
LI-2024-INS004-002219,2005-08-05,15,49,64,1956,male,never_smoker,34.8,60,178,MT,USA,divorced,less_than_hs,professional,76528.05,0.5178,full_paramedical,147,93,275,42,6.55,125,5.2,False,79.7,4.17,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-105,1.5,universal_life,1000000,annual,7114.63,,15yr_declining,8185.72,,,True,quota_share,independent_broker,False,False,False,0.015431,0.033516,SOA_2015_VBT,SOA_Scale_MP2023,1.504,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007716,0.012,False,,1.0,False,,,,0.04,0.0231,False,normal_rate,4.97,2.46,False,False,False,False,False,0.845,39.4,26.7,preferred_longevity,60.3,baseline,1.112,0.548,True,62.6,False,,991814.28,57028.03,57276.97,56917.04,13517.8,False,0,6.84,12.51
LI-2024-INS004-002220,2018-12-27,7,33,40,1985,female,never_smoker,26.2,72,193,NC,USA,married,high_school,heavy_blue_collar,47625.08,0.7729,simplified_issue,110,63,211,40,5.28,74,,False,84.8,,False,False,False,False,False,none,,none,none,depression,7,False,False,False,False,False,substandard_table_1,1.13,1.0,False,False,False,False,20,UW-397,1.25,term_life,1000000,semi_annual,4198.19,20.0,none,,,,True,none,independent_broker,False,False,False,0.002066,0.00293,SOA_2015_VBT,SOA_Scale_MP2023,1.269,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000517,0.02,False,,1.0,False,,,,0.05,0.0541,False,normal_rate,5.2,0.84,False,False,False,False,False,0.922,65.4,64.8,super_preferred_longevity,100.0,baseline,0.92,0.719,True,83.6,False,,1000000.0,34693.39,35204.09,33585.52,7976.56,False,0,3.09,16.87
LI-2024-INS004-002221,2022-11-21,4,51,55,1971,male,never_smoker,21.3,72,157,FL,USA,married,bachelors,light_blue_collar,20000.0,0.3301,full_paramedical,127,68,177,47,3.77,91,,False,100.1,4.69,False,True,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,20,UW-241,0.55,indexed_ul,100000,monthly,285.5,,15yr_declining,193.55,,,True,facultative,bank,False,False,False,0.008025,0.01021,SOA_2015_VBT,SOA_Scale_MP2023,0.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00384,1.0,False,,,,0.08,0.0517,False,normal_rate,2.67,0.65,False,False,False,False,False,0.908,42.4,38.4,super_preferred_longevity,85.1,baseline,1.252,0.313,False,,False,,99806.45,2243.6,2189.59,2284.0,542.45,False,0,0.12,29.24
LI-2024-INS004-002222,2009-02-18,4,40,44,1969,female,never_smoker,25.0,65,150,ND,USA,married,high_school,white_collar,33654.59,0.6417,full_paramedical,130,83,238,62,3.84,113,5.7,False,82.3,,True,False,False,False,True,other,9.1,none,none,substance_use_disorder,2,False,False,False,False,True,standard,,,False,True,False,False,47,UW-472,1.0,universal_life,100000,semi_annual,341.03,,10yr_declining,234.18,,,False,none,bank,True,False,False,0.002724,0.002853,SOA_2015_VBT,SOA_Scale_MP2023,1.028,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0427,False,normal_rate,3.19,1.66,False,False,False,False,False,0.778,55.1,51.1,super_preferred_longevity,98.8,baseline,1.019,0.624,False,,False,,99765.82,2467.92,2779.11,2728.24,647.96,False,0,-0.16,22.47
LI-2024-INS004-002223,2018-04-27,9,19,28,1999,male,current_smoker,16.3,60,90,MS,USA,single,high_school,white_collar,178333.67,0.8728,limited_exam,115,77,183,59,3.1,93,,True,96.0,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,12,UW-123,1.75,term_life,500000,semi_annual,1943.01,20.0,none,,,,False,none,bank,False,False,False,0.002668,0.006504,SOA_2015_VBT,SOA_Scale_MP2023,1.997,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002001,0.022,False,,1.0,False,,,,0.05,0.0501,False,normal_rate,3.46,1.05,False,False,False,False,False,0.911,70.0,55.0,super_preferred_longevity,100.0,baseline,0.845,1.0,False,,False,,500000.0,16433.65,15274.89,15544.08,3691.72,False,0,3.3,-3.36
LI-2024-INS004-002224,2020-10-24,2,79,81,1941,female,never_smoker,26.9,71,193,UT,USA,married,graduate,light_blue_collar,178939.11,0.7301,non_med_guaranteed,160,109,230,60,3.83,112,5.3,False,79.3,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-487,2.0,term_life,500000,monthly,6291.03,25.0,none,,,,False,none,captive_agent,False,False,False,0.049867,0.157498,SOA_2015_VBT,SOA_Scale_MP2023,2.154,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.049867,0.008,True,0.00533,1.0,False,,,,0.07,0.0781,False,normal_rate,5.34,1.13,False,False,False,False,False,0.758,11.7,9.7,standard_longevity,38.0,baseline,0.952,0.718,False,,False,,500000.0,25915.93,22304.62,24409.2,17136.76,False,0,4.15,-8.07
LI-2024-INS004-002225,2014-07-18,6,70,76,1944,male,never_smoker,32.9,66,203,MO,USA,married,bachelors,hazardous,73711.87,0.6608,full_paramedical,135,86,214,41,5.22,91,5.5,False,,2.35,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,4.38,1.0,True,False,False,False,16,UW-471,1.25,indexed_ul,500000,quarterly,3845.69,,10yr_declining,2942.8,,,True,facultative,captive_agent,False,False,False,0.041346,0.067812,SOA_2015_VBT,SOA_Scale_MP2023,1.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010337,0.008,False,,1.0,False,,,,0.06,0.0316,False,normal_rate,2.36,2.08,False,False,False,False,False,0.759,16.9,13.0,standard_longevity,41.9,baseline,1.004,0.632,True,87.6,False,,497057.2,19005.33,19504.78,19997.59,9460.4,False,0,4.55,23.88
LI-2024-INS004-002226,2022-01-12,1,44,45,1978,male,never_smoker,37.6,72,276,ND,USA,married,bachelors,white_collar,132559.89,0.7443,full_paramedical,136,88,245,46,5.33,99,6.2,False,85.1,1.74,False,False,False,False,False,none,,pre_diabetes,none,none,2,False,True,False,False,True,substandard_table_2,,2.0,False,False,False,False,21,UW-205,1.5,term_life,250000,annual,1363.56,30.0,none,,,,False,none,captive_agent,True,False,False,0.003662,0.010399,SOA_2015_VBT,SOA_Scale_MP2023,1.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001831,0.018,True,0.00286,1.0,False,,,,0.1,0.1105,False,normal_rate,3.76,0.58,False,False,False,False,False,0.893,49.1,48.1,super_preferred_longevity,95.8,baseline,0.942,0.755,False,,False,,250000.0,10338.69,9944.14,10908.48,2590.76,False,0,-0.02,5.11
LI-2024-INS004-002227,2012-05-13,10,77,87,1935,female,never_smoker,19.6,58,93,KY,USA,married,some_college,light_blue_collar,259237.62,0.7258,full_paramedical,135,78,229,65,3.52,80,5.4,False,,,False,False,True,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,43,UW-253,1.25,term_life,500000,monthly,4955.85,10.0,none,,,,False,none,captive_agent,False,False,False,0.086908,0.129946,SOA_2015_VBT,SOA_Scale_MP2023,1.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021727,0.005,False,,1.0,False,,,,0.05,0.056,False,normal_rate,5.62,1.35,False,False,False,False,False,0.8,15.6,5.6,standard_longevity,41.8,baseline,0.956,0.668,False,,False,,500000.0,10526.75,11037.02,11101.1,15125.26,False,0,5.01,14.77
LI-2024-INS004-002228,2010-07-16,11,60,71,1950,female,never_smoker,22.9,58,109,MA,USA,married,some_college,heavy_blue_collar,69040.06,0.8477,simplified_issue,153,84,213,39,5.46,77,,False,66.0,,True,False,False,True,False,none,,none,none,substance_use_disorder,1,False,False,False,False,True,substandard_table_6,0.58,6.0,False,False,False,False,37,UW-466,2.5,group_life,100000,annual,1647.08,,none,,,,False,none,captive_agent,False,False,False,0.021107,0.077664,SOA_2015_VBT,SOA_Scale_MP2023,2.522,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03166,0.012,False,,1.0,False,,,,0.1,0.1022,False,normal_rate,2.25,1.35,False,False,False,False,False,0.911,32.9,21.9,standard_longevity,58.1,baseline,0.864,0.826,False,,False,,100000.0,12894.83,13549.14,13176.64,3129.45,False,0,-2.38,-20.0
LI-2024-INS004-002229,2016-10-17,3,68,71,1948,female,never_smoker,28.5,66,176,UT,USA,married,some_college,professional,20000.0,0.1438,simplified_issue,140,81,196,20,9.8,124,5.4,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,5,UW-438,1.75,universal_life,1000000,semi_annual,9669.27,,15yr_declining,6748.68,,,True,facultative,direct_to_consumer,False,False,False,0.022068,0.077013,SOA_2015_VBT,SOA_Scale_MP2023,1.968,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016551,0.008,False,,1.0,False,,,,0.08,0.1118,False,normal_rate,4.14,1.92,False,False,False,False,False,0.952,21.4,18.4,standard_longevity,42.3,baseline,1.392,0.249,False,,False,,993251.32,70122.42,70132.03,71165.83,19609.28,False,0,5.88,-6.16
LI-2024-INS004-002230,2002-06-02,4,31,35,1971,female,never_smoker,27.6,60,141,PA,USA,married,high_school,light_blue_collar,83917.85,0.7582,full_paramedical,103,62,174,55,3.16,100,5.2,False,110.3,,False,False,False,False,True,melanoma,1.2,none,none,none,2,False,True,False,True,True,substandard_table_5,,5.0,False,False,False,False,58,UW-354,2.25,indexed_ul,100000,monthly,577.01,,15yr_declining,422.82,,,False,none,direct_to_consumer,False,False,False,0.001517,0.005089,SOA_2015_VBT,SOA_Scale_MP2023,2.26,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.018,False,,1.0,False,,,,0.08,0.0551,False,normal_rate,3.23,2.57,False,False,False,False,False,0.844,65.1,55.0,super_preferred_longevity,100.0,baseline,0.931,0.57,False,,True,1.171,99577.18,4552.17,4079.84,4616.08,1096.32,False,0,2.15,-11.56
LI-2024-INS004-002231,2013-10-19,10,27,37,1986,male,current_smoker,42.1,67,268,OH,USA,married,less_than_hs,white_collar,157409.52,0.3423,accelerated_UW,140,87,232,39,5.95,115,5.2,True,78.8,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,True,48,UW-123,2.5,whole_life,500000,quarterly,4199.39,,none,3850.82,,,False,none,direct_to_consumer,False,False,False,0.004268,0.020465,SOA_2015_VBT,SOA_Scale_MP2023,2.65,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006403,0.02,False,,1.0,False,,,,0.02,0.0399,False,normal_rate,4.41,0.56,False,False,False,False,False,0.805,65.9,55.0,super_preferred_longevity,100.0,baseline,1.243,0.332,False,,False,,496149.18,35655.75,28745.26,33595.12,7978.84,False,0,1.81,-18.26
LI-2024-INS004-002232,2024-10-10,2,77,79,1947,male,never_smoker,30.6,66,189,TX,USA,single,bachelors,white_collar,51493.84,0.5752,simplified_issue,147,92,207,49,4.22,101,5.0,False,83.1,3.26,True,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,47,UW-421,2.5,term_life,1000000,monthly,16841.72,20.0,none,,,,True,none,independent_broker,False,False,False,0.055001,0.237605,SOA_2015_VBT,SOA_Scale_MP2023,2.639,cancer,True,2024-12-03,True,True,537193.3,0.0007,5e-05,1.095,0.082501,0.008,False,,1.0,False,,,,0.07,0.0868,False,normal_rate,4.1,2.16,False,False,False,False,False,0.864,10.0,8.0,sub_standard_longevity,33.1,baseline,1.069,0.388,False,,False,,1000000.0,55216.28,56231.19,53893.5,48167.32,False,0,2.49,-15.95
LI-2024-INS004-002233,2008-02-19,19,79,98,1929,male,former_smoker,34.4,61,182,ND,USA,single,graduate,white_collar,32374.34,0.5208,full_paramedical,146,96,272,43,6.33,92,4.9,False,77.4,20.0,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,41,UW-290,1.5,group_life,1000000,annual,12351.21,,none,,,,True,none,independent_broker,False,False,False,0.257462,0.595163,SOA_2015_VBT,SOA_Scale_MP2023,1.633,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.128731,0.012,False,,1.0,False,,,,0.1,0.1283,False,normal_rate,2.72,0.8,False,False,False,False,False,0.76,5.4,1.0,sub_standard_longevity,21.8,baseline,1.109,0.225,False,,False,,1000000.0,5255.94,5125.16,4940.48,42241.14,False,0,-0.93,7.05
LI-2024-INS004-002234,2022-05-28,3,74,77,1948,male,unknown,25.0,73,189,NY,USA,divorced,graduate,white_collar,29198.68,0.6394,simplified_issue,144,91,116,75,1.55,100,5.6,False,62.8,3.39,True,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,20,UW-253,1.0,term_life,1000000,annual,6508.74,30.0,none,,,,True,none,captive_agent,False,False,False,0.053575,0.058826,SOA_2015_VBT,SOA_Scale_MP2023,1.076,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.0,1.0,False,,,,0.07,0.0832,False,normal_rate,2.25,2.57,False,False,False,False,False,0.895,16.4,13.4,standard_longevity,52.2,baseline,1.02,0.629,False,,False,,1000000.0,35271.72,30380.59,34886.85,15803.22,False,0,1.72,23.15
LI-2024-INS004-002235,2021-08-25,4,45,49,1976,male,never_smoker,30.6,63,172,GA,USA,single,graduate,white_collar,20000.0,0.6715,full_paramedical,89,50,195,31,6.29,133,5.1,False,83.0,1.89,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-199,1.5,whole_life,250000,monthly,1504.78,,none,1055.97,,,False,none,independent_broker,False,False,False,0.004956,0.011761,SOA_2015_VBT,SOA_Scale_MP2023,1.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002478,0.018,True,0.00144,1.0,False,,,,0.04,0.0465,False,normal_rate,3.86,1.61,False,False,False,False,False,0.924,47.5,43.5,super_preferred_longevity,87.8,baseline,0.996,0.604,False,,False,,248944.03,11180.8,10401.12,12038.24,2859.08,False,0,4.26,4.18
LI-2024-INS004-002236,2008-06-21,14,31,45,1977,female,never_smoker,34.8,68,228,FL,USA,married,some_college,hazardous,145587.31,0.6415,limited_exam,122,76,240,41,5.85,66,5.7,False,76.7,,False,True,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,3.14,1.0,True,False,False,False,3,UW-042,1.25,term_life,500000,monthly,2540.09,30.0,none,,,,False,none,worksite,False,False,False,0.00293,0.004813,SOA_2015_VBT,SOA_Scale_MP2023,1.367,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000732,0.018,False,,1.0,False,,,,0.03,0.0356,False,normal_rate,2.49,2.36,False,False,False,True,False,0.946,68.6,54.6,super_preferred_longevity,100.0,baseline,1.019,0.559,False,,False,,500000.0,20145.63,17992.93,20320.72,4826.17,False,0,4.05,13.15
LI-2024-INS004-002237,2005-10-25,4,72,76,1933,female,former_smoker,29.9,64,174,AR,USA,single,bachelors,white_collar,69461.96,0.4907,full_paramedical,151,104,241,40,6.03,104,,False,75.0,,False,False,True,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-004,2.25,term_life,250000,monthly,3239.04,10.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.043358,0.16924,SOA_2015_VBT,SOA_Scale_MP2023,2.344,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054197,0.005,False,,1.0,False,,,,0.07,0.0915,False,normal_rate,4.48,2.42,False,False,False,False,False,0.949,19.3,15.3,standard_longevity,52.8,baseline,1.132,0.553,False,,False,,250000.0,18454.76,18260.35,19822.92,7372.06,False,0,5.05,-14.26
LI-2024-INS004-002238,2004-03-13,1,40,41,1964,female,never_smoker,28.2,62,153,MT,USA,divorced,some_college,professional,26206.75,0.3786,simplified_issue,99,62,163,46,3.54,113,4.2,False,,,False,False,True,False,False,none,,none,none,bipolar,11,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-411,2.0,universal_life,500000,monthly,3491.69,,10yr_declining,2205.07,,,False,none,employer_group,False,False,False,0.002176,0.008103,SOA_2015_VBT,SOA_Scale_MP2023,2.24,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002176,0.015,False,,1.0,False,,,,0.12,0.0905,False,normal_rate,2.5,1.97,False,False,False,False,False,0.903,56.3,59.0,super_preferred_longevity,100.0,baseline,1.216,0.349,True,55.8,False,,497794.93,30495.71,27895.16,27933.52,6634.21,False,0,1.68,-14.94
LI-2024-INS004-002239,2015-06-24,12,80,92,1935,male,never_smoker,30.7,63,173,RI,USA,married,high_school,professional,38584.78,0.5134,simplified_issue,147,89,293,43,6.81,90,5.2,False,55.3,5.11,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-046,1.5,term_life,1000000,monthly,11582.84,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.164421,0.365992,SOA_2015_VBT,SOA_Scale_MP2023,1.548,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.082211,0.005,False,,1.0,False,,,,0.03,0.0387,False,normal_rate,4.37,2.71,False,False,False,True,False,0.772,5.0,1.0,sub_standard_longevity,21.7,baseline,1.115,0.703,False,,False,,1000000.0,5030.69,4097.05,4633.14,39613.31,False,0,2.79,-3.69
LI-2024-INS004-002240,2020-08-16,4,70,74,1950,female,never_smoker,20.6,62,112,KS,USA,married,some_college,heavy_blue_collar,20000.0,0.4327,full_paramedical,137,92,259,40,6.47,77,,False,67.2,,True,False,False,True,False,none,,none,none,depression,4,False,False,False,False,True,substandard_table_6,0.57,6.0,False,False,False,False,34,UW-222,2.5,term_life,5000000,annual,76160.76,20.0,none,,,,True,none,captive_agent,False,False,False,0.027434,0.125477,SOA_2015_VBT,SOA_Scale_MP2023,2.52,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04115,0.012,True,0.00306,1.0,False,,,,0.07,0.0948,False,normal_rate,3.18,0.94,False,False,False,False,False,0.831,21.2,18.5,standard_longevity,46.7,baseline,1.175,0.291,False,,True,0.892,5000000.0,606363.23,488414.89,563589.62,153844.74,False,0,-1.75,-20.0
LI-2024-INS004-002241,2000-04-02,1,72,73,1928,female,never_smoker,23.7,65,142,AZ,USA,single,some_college,professional,154588.01,0.8782,full_paramedical,139,87,175,44,3.98,86,,False,,,False,False,False,False,False,none,,none,none,anxiety,5,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,42,UW-321,1.25,term_life,1000000,monthly,7861.19,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.019274,0.027943,SOA_2015_VBT,SOA_Scale_MP2023,1.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004819,0.012,False,,1.0,False,,,,0.1,0.0997,False,normal_rate,1.97,2.09,False,False,False,False,False,0.755,17.7,16.7,standard_longevity,50.7,baseline,0.841,0.871,False,,False,,1000000.0,50913.33,54414.82,52512.75,17011.61,False,0,1.63,6.41
LI-2024-INS004-002242,2005-05-16,2,34,36,1971,male,never_smoker,31.0,65,186,GA,USA,single,some_college,professional,87547.59,0.9531,accelerated_UW,113,77,180,50,3.6,83,5.5,False,76.5,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,,,False,False,False,True,16,UW-349,0.92,term_life,1000000,monthly,2542.83,25.0,none,,,,True,none,captive_agent,True,False,False,0.00201,0.001439,SOA_2015_VBT,SOA_Scale_MP2023,0.912,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0656,False,normal_rate,3.12,2.21,False,False,False,False,False,0.758,58.9,55.0,super_preferred_longevity,100.0,baseline,0.785,0.905,False,,False,,1000000.0,19512.85,18995.88,20342.64,4831.38,False,0,2.72,21.37
LI-2024-INS004-002243,2011-08-27,9,47,56,1964,male,former_smoker,30.8,60,157,OR,USA,widowed,graduate,white_collar,57883.0,0.6639,full_paramedical,146,94,224,52,4.31,81,6.2,False,,3.73,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,23,UW-041,1.5,term_life,250000,annual,1753.88,20.0,none,,,,False,none,independent_broker,True,False,False,0.011164,0.023493,SOA_2015_VBT,SOA_Scale_MP2023,1.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005582,0.015,False,,1.0,False,,,,0.05,0.0584,False,normal_rate,6.25,2.45,False,False,False,False,True,0.825,43.5,34.5,preferred_longevity,74.2,baseline,1.002,0.661,False,,False,,250000.0,15047.62,13148.17,14031.04,3332.37,False,0,1.85,8.81
LI-2024-INS004-002244,2016-09-12,5,35,40,1981,male,never_smoker,30.4,62,166,AR,USA,married,bachelors,hazardous,20000.0,0.4053,full_paramedical,115,74,223,54,4.13,93,5.5,False,,1.01,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,4.37,,True,True,False,False,26,UW-417,1.0,group_life,500000,quarterly,1524.96,,none,,,,False,none,captive_agent,False,False,False,0.002583,0.003114,SOA_2015_VBT,SOA_Scale_MP2023,1.008,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.15,0.2064,False,normal_rate,1.47,2.38,False,False,False,False,False,0.878,57.4,52.4,super_preferred_longevity,97.2,baseline,1.196,0.537,False,,False,,500000.0,11279.02,11077.98,12199.68,2897.42,False,0,1.95,10.33
LI-2024-INS004-002245,2023-09-23,1,53,54,1970,female,never_smoker,25.9,63,146,WY,USA,married,high_school,white_collar,249157.99,0.6585,full_paramedical,116,75,192,49,3.92,87,,False,91.6,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,25,UW-155,0.83,whole_life,1000000,quarterly,4201.15,,none,2420.75,,,True,quota_share,worksite,False,True,False,0.005914,0.004772,SOA_2015_VBT,SOA_Scale_MP2023,0.802,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0704,False,normal_rate,2.5,2.44,False,False,False,False,False,0.953,42.6,41.6,super_preferred_longevity,84.8,baseline,1.006,0.723,False,,False,,997579.25,34807.82,33350.31,33609.2,7982.18,False,0,3.33,21.97
LI-2024-INS004-002246,2007-06-27,4,51,55,1956,female,never_smoker,17.9,68,117,AZ,USA,married,high_school,light_blue_collar,132005.2,0.2904,full_paramedical,104,63,219,54,4.06,103,,False,58.0,,False,False,False,False,False,none,,none,none,depression,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-252,1.25,annuity_deferred,500000,monthly,2733.3,,none,2034.55,,,False,none,captive_agent,False,False,False,0.005759,0.011778,SOA_2015_VBT,SOA_Scale_MP2023,1.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00144,0.012,False,,1.0,False,,,,0.04,0.0822,False,normal_rate,5.09,0.94,False,False,False,False,False,0.751,40.5,42.1,super_preferred_longevity,80.0,baseline,1.282,0.369,True,77.9,False,,497965.45,21431.83,20453.41,21866.4,5193.27,False,0,4.57,5.36
LI-2024-INS004-002247,2001-09-25,11,63,74,1938,male,never_smoker,26.4,66,163,CT,USA,married,some_college,light_blue_collar,43653.76,0.7214,full_paramedical,131,82,235,48,4.9,82,4.4,False,,5.51,False,True,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-496,2.0,whole_life,500000,semi_annual,6339.84,,none,5786.17,,,False,none,independent_broker,False,False,False,0.035897,0.108807,SOA_2015_VBT,SOA_Scale_MP2023,2.118,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035897,0.005,False,,1.0,False,,,,0.015,0.0168,False,normal_rate,3.29,1.19,False,False,False,False,False,0.842,23.0,12.0,standard_longevity,41.3,baseline,0.959,0.647,False,,False,,494213.83,30812.72,27854.66,30431.23,16103.19,False,0,-3.11,-4.04
LI-2024-INS004-002248,2007-01-23,12,18,30,1989,male,former_smoker,29.8,66,184,ME,USA,married,high_school,professional,151734.0,0.4943,full_paramedical,130,82,181,44,4.11,90,5.6,False,110.5,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-424,1.25,whole_life,500000,quarterly,1371.57,,none,1366.83,,,False,none,direct_to_consumer,False,False,False,0.001898,0.003662,SOA_2015_VBT,SOA_Scale_MP2023,1.487,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.02,False,,1.0,False,,,,0.015,0.0274,False,normal_rate,5.83,0.91,False,False,False,False,False,0.999,70.0,60.8,super_preferred_longevity,100.0,baseline,1.129,0.551,True,64.9,False,,498633.17,10708.2,11103.39,10972.56,2605.98,False,0,3.36,10.38
LI-2024-INS004-002249,2016-02-28,4,68,72,1948,male,never_smoker,29.4,69,199,VT,USA,married,graduate,white_collar,51737.68,0.8732,full_paramedical,151,100,226,50,4.52,97,5.1,False,57.1,12.47,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-230,1.5,universal_life,5000000,monthly,39873.95,,10yr_declining,26571.13,,,True,none,bank,False,False,False,0.030104,0.058454,SOA_2015_VBT,SOA_Scale_MP2023,1.706,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015052,0.008,False,,1.0,False,,,,0.08,0.0361,False,normal_rate,4.78,2.59,False,False,False,False,False,0.947,20.3,16.3,standard_longevity,50.0,baseline,0.845,0.952,False,,False,,4973428.87,250884.06,246984.04,259978.15,87563.19,False,0,6.28,15.17
LI-2024-INS004-002250,2009-08-26,11,53,64,1956,male,never_smoker,31.8,66,196,MN,USA,married,bachelors,professional,23931.86,0.5296,full_paramedical,126,82,230,51,4.51,112,4.9,False,81.9,3.4,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,23,UW-148,0.85,term_life,2000000,quarterly,7925.9,15.0,none,,,,True,none,worksite,False,False,False,0.015431,0.014244,SOA_2015_VBT,SOA_Scale_MP2023,0.837,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0383,False,normal_rate,4.87,0.93,False,False,False,False,False,0.848,35.5,24.5,standard_longevity,57.2,baseline,1.103,0.584,False,,False,,2000000.0,69680.22,62043.36,63407.2,15059.21,False,0,5.43,24.98
LI-2024-INS004-002251,2024-10-19,2,55,57,1969,female,never_smoker,29.4,71,210,NE,USA,widowed,bachelors,hazardous,44206.22,0.849,simplified_issue,107,61,248,54,4.59,126,5.4,False,88.8,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,3.85,,True,False,False,False,8,UW-412,0.76,whole_life,500000,monthly,1827.81,,none,1210.82,,,False,none,employer_group,False,False,False,0.007582,0.005321,SOA_2015_VBT,SOA_Scale_MP2023,0.813,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,True,2025-10-14,replacement,2.0,0.04,0.049,False,normal_rate,3.94,2.66,True,False,False,False,False,0.934,40.9,38.9,super_preferred_longevity,83.6,baseline,0.863,0.822,False,,False,,498789.18,14228.59,13739.67,14622.48,3472.84,False,0,0.95,25.72
LI-2024-INS004-002252,2015-10-14,2,59,61,1956,male,never_smoker,35.4,65,212,HI,USA,single,high_school,professional,121711.51,0.4232,accelerated_UW,137,85,181,55,3.29,103,5.6,False,88.3,3.32,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,True,27,UW-399,1.0,term_life,500000,monthly,2670.66,30.0,none,,,,False,none,independent_broker,False,False,False,0.011925,0.014456,SOA_2015_VBT,SOA_Scale_MP2023,1.025,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0953,False,normal_rate,3.29,1.19,False,False,False,False,False,0.828,29.1,32.3,preferred_longevity,67.3,baseline,1.183,0.471,True,86.6,False,,500000.0,22027.57,18319.28,21365.28,5074.25,False,0,2.23,15.84
LI-2024-INS004-002253,2002-12-08,24,70,94,1932,male,former_smoker,29.1,70,202,ID,USA,divorced,high_school,white_collar,152171.47,0.4214,limited_exam,141,83,263,66,3.98,100,5.3,False,49.7,18.22,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-076,2.25,term_life,250000,quarterly,4248.82,15.0,none,,,,False,none,captive_agent,False,False,False,0.247275,0.971611,SOA_2015_VBT,SOA_Scale_MP2023,2.263,respiratory,True,2007-05-28,False,False,946948.37,0.0007,5e-05,1.095,0.309093,0.005,False,,1.0,True,2025-12-25,voluntary_surrender,24.0,0.03,0.0409,False,normal_rate,4.06,0.66,False,False,False,False,False,0.895,13.9,1.0,sub_standard_longevity,20.3,baseline,1.184,0.47,False,,False,,250000.0,1718.15,1481.92,1699.53,14530.96,False,0,3.11,-20.0
LI-2024-INS004-002254,2006-07-25,18,22,40,1984,female,never_smoker,33.1,60,169,DE,USA,divorced,some_college,heavy_blue_collar,94443.75,0.6126,simplified_issue,128,77,212,47,4.51,111,5.0,False,88.6,,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,1.44,5.0,False,False,False,False,23,UW-280,2.25,universal_life,2000000,semi_annual,14229.21,,15yr_declining,17326.57,11920.68,0.688,True,none,captive_agent,True,False,False,0.002066,0.007502,SOA_2015_VBT,SOA_Scale_MP2023,2.288,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.02,False,,1.0,False,,,,0.04,0.029,False,normal_rate,1.89,2.84,False,False,False,False,False,0.965,70.0,52.0,super_preferred_longevity,100.0,baseline,1.041,0.632,False,,False,,1982673.43,109200.57,98902.79,113833.68,27035.5,False,0,3.88,-11.08
LI-2024-INS004-002255,2024-04-10,1,29,30,1995,male,current_smoker,29.5,74,230,NV,USA,divorced,some_college,light_blue_collar,46992.99,0.4882,full_paramedical,124,73,170,37,4.59,105,,True,101.0,,True,False,False,False,False,none,,none,none,bipolar,4,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,26,UW-280,2.5,term_life,250000,annual,1680.97,15.0,none,,,,False,none,captive_agent,False,False,False,0.00292,0.012677,SOA_2015_VBT,SOA_Scale_MP2023,2.506,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00438,0.022,False,,1.0,False,,,,0.1,0.1309,False,normal_rate,3.25,0.95,False,False,False,False,False,0.858,66.0,55.0,super_preferred_longevity,100.0,baseline,1.134,0.626,False,,False,,250000.0,14593.74,14056.16,13447.76,3193.84,False,0,1.45,-20.0
LI-2024-INS004-002256,2007-08-21,14,38,52,1969,male,former_smoker,21.9,62,119,KS,USA,married,high_school,professional,113741.42,0.7612,accelerated_UW,112,69,225,59,3.81,63,,False,80.1,2.47,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,21,UW-458,2.25,universal_life,500000,monthly,4418.33,,10yr_declining,4728.9,,,False,none,direct_to_consumer,False,False,False,0.00817,0.028641,SOA_2015_VBT,SOA_Scale_MP2023,2.428,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010212,0.015,False,,1.0,False,,,,0.04,0.0611,False,normal_rate,5.16,2.19,False,False,False,False,False,0.985,53.6,40.8,super_preferred_longevity,85.1,baseline,0.929,0.743,True,43.4,False,,495271.1,35668.3,32624.8,35346.64,8394.83,False,0,3.08,-16.98
LI-2024-INS004-002257,2004-03-12,10,32,42,1972,male,never_smoker,27.0,69,182,NE,USA,widowed,bachelors,heavy_blue_collar,62550.4,0.5334,full_paramedical,121,83,150,52,2.88,83,5.7,False,86.8,0.78,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,1.36,,False,False,False,False,23,UW-118,0.83,universal_life,500000,monthly,1650.13,,15yr_declining,1441.51,,,False,none,independent_broker,False,False,False,0.002957,0.002589,SOA_2015_VBT,SOA_Scale_MP2023,0.796,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0344,False,normal_rate,3.39,2.1,False,False,False,False,False,0.847,59.4,47.8,super_preferred_longevity,92.2,baseline,1.1,0.568,True,21.9,False,,498558.49,12423.58,13157.57,13201.04,3135.25,False,0,4.22,22.57
LI-2024-INS004-002258,2007-10-07,8,60,68,1947,female,never_smoker,25.3,70,176,NE,USA,married,high_school,professional,61103.14,0.2923,full_paramedical,124,82,180,59,3.05,126,5.0,False,84.8,,False,False,False,False,True,colorectal,12.2,none,none,depression,8,False,True,False,False,True,substandard_table_1,,1.0,False,False,False,False,30,UW-230,1.25,term_life,500000,monthly,3060.05,20.0,none,,,,False,none,direct_to_consumer,True,False,False,0.01685,0.034168,SOA_2015_VBT,SOA_Scale_MP2023,1.388,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004213,0.008,False,,1.0,False,,,,0.05,0.1026,False,normal_rate,5.22,1.91,False,False,False,False,False,0.771,29.9,21.9,standard_longevity,49.7,baseline,1.281,0.433,False,,False,,500000.0,22317.31,22549.08,24480.4,5814.1,False,0,5.16,8.92
LI-2024-INS004-002259,2008-01-20,15,42,57,1966,female,never_smoker,32.7,70,228,MS,USA,married,graduate,light_blue_collar,157103.46,0.5184,limited_exam,107,63,210,28,7.5,103,5.6,False,70.5,,True,False,False,False,False,none,,none,none,anxiety,8,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,39,UW-469,1.5,group_life,1000000,annual,7607.05,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.007582,0.016739,SOA_2015_VBT,SOA_Scale_MP2023,1.537,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003791,0.015,False,,1.0,True,2026-03-19,replacement,15.0,0.1,0.1285,False,normal_rate,5.75,2.76,False,False,False,False,False,0.847,52.2,37.2,preferred_longevity,76.1,baseline,1.111,0.452,False,,False,,1000000.0,60879.37,58618.07,60856.4,14453.39,False,0,5.09,6.7
LI-2024-INS004-002260,2016-05-18,4,30,34,1986,male,never_smoker,27.0,61,142,IL,USA,single,some_college,white_collar,85598.46,0.6522,accelerated_UW,112,73,208,52,4.0,105,,False,95.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,True,6,UW-051,1.0,universal_life,500000,monthly,1476.04,,15yr_declining,1071.25,,,True,excess_of_loss,captive_agent,False,False,False,0.001792,0.001915,SOA_2015_VBT,SOA_Scale_MP2023,1.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0424,False,normal_rate,3.52,2.9,False,False,False,False,False,0.931,64.1,55.0,super_preferred_longevity,100.0,baseline,1.011,0.762,False,,False,,498928.75,12841.11,10115.24,11808.32,2804.48,False,0,4.2,18.48
LI-2024-INS004-002261,2001-12-01,7,47,54,1954,male,former_smoker,33.7,60,172,MD,USA,single,high_school,professional,55424.23,0.7704,full_paramedical,167,110,174,50,3.48,68,4.9,False,70.6,6.31,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-260,2.0,whole_life,500000,semi_annual,4228.18,,none,3373.3,,,False,none,captive_agent,False,False,False,0.008415,0.025804,SOA_2015_VBT,SOA_Scale_MP2023,2.241,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008415,0.012,False,,1.0,False,,,,0.02,0.0217,False,normal_rate,3.16,0.64,False,False,False,False,False,0.855,42.1,35.1,preferred_longevity,76.7,baseline,0.922,0.882,False,,False,,496626.7,34022.26,32294.48,33825.44,8033.54,False,0,5.8,-13.27
LI-2024-INS004-002262,2024-12-07,2,43,45,1981,female,never_smoker,31.4,62,171,TN,USA,divorced,some_college,professional,20154.91,0.7008,full_paramedical,122,64,185,40,4.62,111,,False,101.5,,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-315,2.0,whole_life,1000000,quarterly,8178.7,,none,5366.11,,,True,facultative,captive_agent,False,False,False,0.00293,0.008956,SOA_2015_VBT,SOA_Scale_MP2023,2.111,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00293,0.02,False,,1.0,False,,,,0.04,0.0456,False,normal_rate,2.01,2.6,False,False,False,False,False,0.848,54.6,52.6,super_preferred_longevity,100.0,baseline,0.974,0.913,False,,False,,994633.89,63739.18,62481.82,65429.6,15539.53,False,0,-3.63,-3.67
LI-2024-INS004-002263,2023-08-13,1,18,19,2005,female,former_smoker,31.1,68,204,CA,USA,married,high_school,light_blue_collar,154572.19,0.7065,full_paramedical,135,84,203,60,3.38,92,5.6,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,standard,,,False,False,False,False,23,UW-041,1.04,term_life,250000,annual,458.13,10.0,none,,,,False,none,worksite,False,False,False,0.001019,0.001104,SOA_2015_VBT,SOA_Scale_MP2023,1.075,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,4.1e-05,0.012,False,,1.0,False,,,,0.1,0.1135,False,normal_rate,4.35,2.57,False,False,False,False,False,0.944,70.0,55.0,super_preferred_longevity,100.0,baseline,0.97,0.821,False,,False,,250000.0,3530.01,3820.29,3665.04,870.45,False,0,1.62,18.52
LI-2024-INS004-002264,2002-11-14,11,55,66,1947,male,never_smoker,27.1,60,138,FL,USA,divorced,graduate,professional,35101.87,0.2708,full_paramedical,140,90,247,57,4.33,126,4.4,False,65.0,2.51,False,False,False,False,True,colorectal,3.7,none,none,anxiety,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,48,UW-309,2.0,term_life,1000000,monthly,10413.1,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.017701,0.068848,SOA_2015_VBT,SOA_Scale_MP2023,2.228,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017701,0.008,False,,1.0,False,,,,0.03,0.0445,False,normal_rate,3.69,2.9,False,False,False,False,False,0.892,30.8,19.8,standard_longevity,46.3,baseline,1.297,0.468,False,,False,,1000000.0,76418.22,79130.73,82471.75,19951.5,False,0,0.48,-5.22
LI-2024-INS004-002265,2011-03-14,16,60,76,1951,female,former_smoker,30.7,64,178,OK,USA,single,high_school,heavy_blue_collar,20000.0,0.6196,limited_exam,131,75,246,58,4.24,106,5.0,False,64.0,,False,False,False,False,True,breast,0.5,none,none,none,2,False,False,False,False,True,standard,1.33,,False,True,False,False,33,UW-188,1.0,term_life,250000,monthly,1646.89,15.0,none,,,,True,none,captive_agent,False,False,False,0.042986,0.046773,SOA_2015_VBT,SOA_Scale_MP2023,1.051,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0361,False,normal_rate,3.01,2.77,False,False,False,False,False,0.797,32.1,16.1,standard_longevity,45.9,baseline,1.035,0.725,False,,False,,250000.0,10335.87,10565.07,10605.97,3642.92,False,0,5.03,18.15
LI-2024-INS004-002266,2007-01-22,6,58,64,1949,male,never_smoker,19.8,72,145,NJ,USA,divorced,some_college,professional,34521.16,0.5347,full_paramedical,137,86,213,49,4.35,92,,False,59.0,2.02,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-137,1.25,term_life,100000,quarterly,618.85,10.0,none,,,,False,none,direct_to_consumer,False,False,False,0.015128,0.027573,SOA_2015_VBT,SOA_Scale_MP2023,1.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003782,0.008,False,,1.0,True,2025-08-15,non_payment,6.0,0.05,0.0891,False,normal_rate,4.56,2.09,False,False,False,False,False,0.836,29.1,23.1,standard_longevity,55.2,baseline,1.099,0.593,False,,False,,100000.0,4628.1,4606.02,4950.8,1175.81,False,0,5.82,13.33
LI-2024-INS004-002267,2006-08-25,15,22,37,1984,male,never_smoker,23.1,66,142,NV,USA,single,some_college,heavy_blue_collar,25517.05,0.8044,full_paramedical,109,65,186,50,3.72,84,5.1,False,,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,True,False,True,substandard_table_4,1.43,4.0,False,False,False,False,46,UW-322,2.0,whole_life,250000,quarterly,1447.23,,none,1607.31,,,True,quota_share,bank,False,False,False,0.002134,0.0064,SOA_2015_VBT,SOA_Scale_MP2023,2.229,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,False,,1.0,False,,,,0.015,0.0158,False,normal_rate,4.11,0.78,False,False,False,False,False,0.817,70.0,55.0,super_preferred_longevity,100.0,baseline,0.897,0.766,False,,False,,248392.69,11925.9,12018.41,11577.84,2749.74,False,0,4.13,-8.2
LI-2024-INS004-002268,2002-09-09,22,29,51,1973,female,never_smoker,24.8,70,172,KS,USA,married,high_school,white_collar,20000.0,0.7097,full_paramedical,127,78,217,41,5.29,87,5.2,False,85.0,,False,True,False,False,False,none,,none,none,none,0,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,41,UW-098,1.5,term_life,100000,quarterly,559.51,20.0,none,,,,False,none,independent_broker,False,False,False,0.004641,0.009933,SOA_2015_VBT,SOA_Scale_MP2023,1.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00232,0.018,False,,1.0,True,2025-12-10,unknown,22.0,0.03,0.034,False,normal_rate,1.22,2.25,False,False,False,False,False,0.88,67.2,43.3,super_preferred_longevity,88.1,baseline,0.968,0.567,True,18.4,False,,100000.0,4154.21,4544.94,4476.08,1063.07,False,0,0.83,6.87
LI-2024-INS004-002269,2008-02-06,18,57,75,1951,female,never_smoker,36.6,64,213,MS,USA,married,high_school,heavy_blue_collar,20553.88,0.9774,limited_exam,137,92,220,52,4.23,102,5.1,False,69.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,0.59,1.0,False,False,False,False,24,UW-039,1.25,universal_life,2000000,quarterly,14333.95,,10yr_declining,18782.87,,,True,quota_share,captive_agent,False,False,False,0.030302,0.039577,SOA_2015_VBT,SOA_Scale_MP2023,1.377,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007575,0.012,False,,1.0,False,,,,0.04,0.0367,False,normal_rate,3.01,2.15,False,False,False,False,False,0.947,36.5,18.4,standard_longevity,54.8,baseline,0.767,1.0,True,30.9,False,,1981217.13,109109.19,106059.6,105497.87,29069.25,False,0,2.8,14.34
LI-2024-INS004-002270,2022-02-20,2,65,67,1957,male,unknown,43.0,70,299,AZ,USA,single,bachelors,professional,43371.6,0.8438,limited_exam,145,103,214,36,5.94,125,4.9,False,85.7,2.98,False,False,True,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-153,2.0,term_life,100000,annual,999.62,25.0,none,,,,False,none,independent_broker,False,False,False,0.023295,0.070165,SOA_2015_VBT,SOA_Scale_MP2023,2.125,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023295,0.012,True,0.00394,1.0,False,,,,0.07,0.0717,False,normal_rate,3.62,2.66,False,False,False,False,False,0.836,27.9,25.9,preferred_longevity,74.0,baseline,0.867,0.857,False,,False,,100000.0,7846.66,7377.55,7996.96,1899.28,False,0,2.41,-4.8
LI-2024-INS004-002271,2022-02-25,2,50,52,1972,male,never_smoker,33.0,67,210,CT,USA,divorced,high_school,white_collar,59038.36,0.6323,simplified_issue,154,97,189,58,3.26,111,5.4,False,65.5,5.33,True,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-080,1.5,term_life,100000,monthly,709.39,30.0,none,,,,False,none,captive_agent,False,False,False,0.006284,0.016789,SOA_2015_VBT,SOA_Scale_MP2023,1.58,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003142,0.018,True,0.00346,1.0,False,,,,0.07,0.0836,False,normal_rate,3.27,1.81,False,False,False,False,False,0.951,41.8,47.4,super_preferred_longevity,93.1,baseline,1.026,0.411,True,86.8,False,,100000.0,5577.76,5507.27,5675.12,1347.84,False,0,5.37,2.37
LI-2024-INS004-002272,2006-05-09,9,34,43,1972,male,current_smoker,24.9,67,159,UT,USA,married,high_school,heavy_blue_collar,21138.09,0.9347,non_med_guaranteed,105,66,175,55,3.18,116,,True,,4.04,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,1.47,2.0,False,False,False,False,34,UW-066,1.5,universal_life,5000000,quarterly,23311.74,,10yr_declining,21135.96,,,True,excess_of_loss,bank,False,False,False,0.006342,0.011872,SOA_2015_VBT,SOA_Scale_MP2023,1.717,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.018,False,,1.0,False,,,,0.06,0.0257,False,normal_rate,3.89,2.34,False,False,False,False,False,0.828,59.0,50.0,super_preferred_longevity,100.0,baseline,0.799,0.873,False,,False,,4978864.04,203092.79,194433.42,186493.92,44292.31,False,0,5.7,2.77
LI-2024-INS004-002273,2003-03-06,4,59,63,1944,female,never_smoker,29.3,69,198,MO,USA,married,some_college,professional,88711.84,0.7965,limited_exam,114,77,230,42,5.48,96,,False,76.8,,False,False,False,False,False,none,,none,none,anxiety,9,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,57,UW-383,1.25,term_life,2000000,semi_annual,12804.67,15.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.010666,0.015355,SOA_2015_VBT,SOA_Scale_MP2023,1.318,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002666,0.008,False,,1.0,True,2025-10-22,voluntary_surrender,4.0,0.07,0.4377,False,normal_rate,3.87,1.97,False,False,False,True,False,0.89,32.4,29.7,preferred_longevity,69.0,baseline,0.903,0.923,True,48.0,False,,2000000.0,95827.12,88168.78,102437.36,24328.87,False,0,4.55,9.24
LI-2024-INS004-002274,2010-08-28,4,34,38,1976,female,never_smoker,40.1,65,240,NY,USA,single,graduate,white_collar,92480.16,0.61,accelerated_UW,126,74,224,47,4.77,134,4.4,False,61.7,,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,22,UW-090,2.25,whole_life,1000000,quarterly,7419.77,,none,5356.31,,,True,none,independent_broker,False,False,False,0.001816,0.00661,SOA_2015_VBT,SOA_Scale_MP2023,2.292,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.018,False,,1.0,False,,,,0.04,0.0485,False,normal_rate,5.46,2.12,False,False,False,False,False,0.865,62.3,55.0,super_preferred_longevity,100.0,baseline,1.042,0.523,False,,False,,994643.69,54726.97,58883.35,59358.16,14097.56,False,0,1.11,-7.42
LI-2024-INS004-002275,2006-10-19,9,28,37,1978,female,former_smoker,31.3,58,149,TN,USA,single,some_college,professional,25142.87,0.7224,non_med_guaranteed,115,72,259,54,4.8,120,5.4,False,,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-062,2.0,universal_life,500000,monthly,2691.27,,10yr_declining,2465.12,,,False,none,independent_broker,False,False,False,0.00222,0.006796,SOA_2015_VBT,SOA_Scale_MP2023,2.152,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00222,0.018,False,,1.0,False,,,,0.06,0.0303,False,normal_rate,2.59,1.05,False,False,False,False,False,0.939,69.0,55.0,super_preferred_longevity,100.0,baseline,0.958,0.611,False,,False,,497534.88,20137.32,20338.47,21530.16,5113.41,False,0,-1.75,0.49
LI-2024-INS004-002276,2002-06-19,2,51,53,1951,female,current_smoker,30.0,65,180,MI,USA,divorced,bachelors,professional,37993.86,0.8944,full_paramedical,120,78,237,62,3.82,102,,True,87.7,,False,False,False,False,False,none,,none,none,none,1,True,False,False,False,False,substandard_table_2,3.19,2.0,True,False,False,False,16,UW-239,1.5,universal_life,1000000,monthly,7612.44,,15yr_declining,5261.35,,,True,quota_share,bank,False,False,False,0.009206,0.017679,SOA_2015_VBT,SOA_Scale_MP2023,1.713,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004603,0.012,False,,1.0,False,,,,0.08,0.0354,False,normal_rate,1.9,2.05,False,False,False,False,False,0.847,42.2,40.2,super_preferred_longevity,86.2,baseline,0.829,0.98,False,,False,,994738.65,55415.72,57385.81,60899.52,14463.64,False,0,-1.79,9.81
LI-2024-INS004-002277,2017-07-27,6,77,83,1940,female,former_smoker,39.0,66,241,GA,USA,married,some_college,white_collar,21043.04,0.4672,full_paramedical,118,74,268,52,5.15,128,5.6,False,64.5,,False,False,False,False,False,none,,none,none,none,3,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-269,1.5,term_life,1000000,monthly,9920.08,20.0,none,,,,True,quota_share,worksite,False,False,False,0.076408,0.185596,SOA_2015_VBT,SOA_Scale_MP2023,1.678,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038204,0.008,False,,1.0,False,,,,0.05,0.0663,False,normal_rate,4.05,1.48,False,False,False,False,False,0.805,12.5,4.1,sub_standard_longevity,25.7,baseline,1.15,0.546,False,,True,-1.571,1000000.0,16801.62,15754.64,16268.93,31466.49,False,0,-0.28,0.84
LI-2024-INS004-002278,2007-03-19,13,58,71,1949,male,never_smoker,16.1,62,90,TX,USA,married,graduate,light_blue_collar,40922.46,0.5885,full_paramedical,127,83,215,53,4.06,86,4.4,False,,3.22,False,False,False,False,False,none,,none,none,anxiety,1,False,False,True,False,True,preferred,,,False,False,False,False,45,UW-455,0.82,annuity_immediate,500000,annual,2208.62,,none,,,,False,none,captive_agent,True,False,False,0.027808,0.023815,SOA_2015_VBT,SOA_Scale_MP2023,0.809,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.29,1.12,False,False,False,False,True,0.869,29.3,16.3,standard_longevity,45.8,baseline,1.059,0.596,False,,False,,500000.0,14467.05,14986.29,14400.2,4850.13,False,0,5.06,28.42
LI-2024-INS004-002279,2017-08-15,10,24,34,1993,female,never_smoker,30.2,66,186,WI,USA,married,graduate,white_collar,33157.6,0.9703,full_paramedical,125,77,181,50,3.62,112,5.2,False,,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-149,2.0,universal_life,500000,quarterly,2996.92,,15yr_declining,2707.93,,,False,none,independent_broker,False,False,False,0.001434,0.003785,SOA_2015_VBT,SOA_Scale_MP2023,2.123,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001434,0.022,False,,1.0,False,,,,0.06,0.0249,False,normal_rate,3.38,2.09,False,False,False,False,False,0.953,70.0,55.0,super_preferred_longevity,100.0,baseline,0.772,1.0,False,,False,,497292.07,25176.38,24475.62,23975.36,5694.15,False,0,-0.04,-1.89
LI-2024-INS004-002280,2002-12-18,9,54,63,1948,male,never_smoker,26.2,75,209,NM,USA,widowed,bachelors,white_collar,51775.03,0.6774,full_paramedical,136,88,196,68,2.88,118,4.9,False,63.8,6.09,False,False,False,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-428,2.5,term_life,1000000,quarterly,13304.44,30.0,none,,,,True,quota_share,captive_agent,False,False,False,0.013767,0.057428,SOA_2015_VBT,SOA_Scale_MP2023,2.693,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020651,0.008,False,,1.0,False,,,,0.05,0.0579,False,normal_rate,3.81,1.26,False,False,False,False,False,0.83,33.5,24.5,standard_longevity,59.4,baseline,0.992,0.61,True,33.1,False,,1000000.0,108616.81,111305.12,106435.52,25278.44,False,0,1.06,-20.0
LI-2024-INS004-002281,2021-02-06,4,37,41,1984,male,current_smoker,15.0,63,90,WA,USA,married,bachelors,professional,32458.04,0.3456,full_paramedical,122,81,172,56,3.07,71,5.4,True,85.3,0.87,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,declined,,,False,False,True,False,20,UW-159,7.0,term_life,1000000,monthly,21480.69,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.005523,0.083509,SOA_2015_VBT,SOA_Scale_MP2023,6.849,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033136,0.02,True,0.00344,1.0,False,,,,0.07,0.0996,False,normal_rate,2.27,2.08,False,False,False,False,False,0.908,55.6,52.1,super_preferred_longevity,95.8,baseline,1.241,0.211,True,36.8,False,,1000000.0,185587.6,148034.33,171845.52,40813.31,False,0,-5.0,-20.0
LI-2024-INS004-002282,2019-12-25,3,40,43,1979,male,current_smoker,31.3,62,171,WV,USA,married,bachelors,professional,166354.62,0.8721,limited_exam,121,75,163,47,3.47,95,,True,63.4,0.82,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-012,1.5,whole_life,500000,annual,2757.0,,none,2008.08,,,False,none,independent_broker,True,False,False,0.006342,0.01249,SOA_2015_VBT,SOA_Scale_MP2023,1.737,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.018,False,,1.0,False,,,,0.04,0.0401,False,normal_rate,2.16,1.06,False,False,False,False,False,0.857,56.8,53.9,super_preferred_longevity,100.0,baseline,0.846,0.817,True,38.6,True,-0.531,497991.92,20732.33,21079.14,22056.0,5238.3,False,0,1.31,14.05
LI-2024-INS004-002283,2000-02-10,24,29,53,1971,male,never_smoker,35.5,75,283,IN,USA,married,some_college,white_collar,32829.66,0.4129,accelerated_UW,122,87,247,48,5.15,86,4.3,False,68.0,0.83,True,False,True,True,False,none,,none,none,substance_use_disorder,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,45,UW-471,2.5,term_life,1000000,monthly,9586.2,25.0,none,,,,True,facultative,captive_agent,False,False,False,0.006813,0.030511,SOA_2015_VBT,SOA_Scale_MP2023,2.502,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01022,0.018,False,,1.0,False,,,,0.03,0.0411,False,normal_rate,2.54,2.07,False,False,False,False,False,0.972,64.7,45.0,super_preferred_longevity,96.2,baseline,1.19,0.593,True,65.4,False,,1000000.0,74905.49,73470.76,76689.6,18213.78,False,0,0.97,-15.58
LI-2024-INS004-002284,2005-08-25,21,34,55,1971,female,never_smoker,28.1,67,179,ND,USA,married,high_school,heavy_blue_collar,36861.03,0.7041,simplified_issue,115,71,211,44,4.8,83,5.4,False,88.0,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,1.36,,False,False,False,False,23,UW-150,0.58,whole_life,500000,semi_annual,1399.69,,none,1981.27,,,False,none,captive_agent,False,True,False,0.00642,0.004231,SOA_2015_VBT,SOA_Scale_MP2023,0.678,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0171,False,normal_rate,5.75,2.31,False,False,False,False,False,0.959,61.9,40.9,super_preferred_longevity,84.4,baseline,0.972,0.598,False,,False,,498018.73,12081.58,11699.72,11197.52,2659.41,False,0,8.64,32.39
LI-2024-INS004-002285,2012-05-16,14,44,58,1968,female,never_smoker,17.7,72,130,WY,USA,married,bachelors,white_collar,20000.0,0.2713,full_paramedical,139,86,201,70,2.87,77,,False,,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-489,2.0,annuity_deferred,250000,quarterly,2230.02,,none,2354.99,,,False,none,captive_agent,False,False,False,0.008245,0.030375,SOA_2015_VBT,SOA_Scale_MP2023,2.07,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008245,0.015,False,,1.0,False,,,,0.01,0.0148,False,normal_rate,2.11,0.86,False,False,False,False,False,0.812,49.5,35.5,preferred_longevity,69.8,baseline,1.297,0.258,False,,False,,247645.01,18808.68,15862.75,17840.16,4237.04,False,0,-2.34,-3.14
LI-2024-INS004-002286,2003-09-05,9,61,70,1942,female,never_smoker,30.8,63,173,WI,USA,married,less_than_hs,light_blue_collar,91306.88,0.7515,limited_exam,125,75,196,54,3.63,118,,False,,,False,False,False,True,False,none,,none,none,anxiety,0,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,48,UW-355,2.5,term_life,500000,annual,8273.15,15.0,none,,,,False,none,employer_group,True,False,False,0.019271,0.07577,SOA_2015_VBT,SOA_Scale_MP2023,2.597,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028907,0.008,False,,1.0,True,2026-03-23,voluntary_surrender,9.0,0.05,0.0659,False,normal_rate,2.19,2.48,False,False,False,False,False,0.972,29.9,20.9,standard_longevity,55.1,baseline,0.936,0.883,False,,False,,500000.0,63934.67,59931.87,66185.2,15718.98,False,0,2.01,-16.89
LI-2024-INS004-002287,2008-03-06,12,45,57,1963,male,never_smoker,22.2,70,155,MI,USA,married,high_school,white_collar,74722.63,0.6274,full_paramedical,120,66,172,40,4.3,71,,False,74.0,3.62,False,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,preferred_plus,,,False,False,False,False,18,UW-410,0.66,universal_life,1000000,annual,2726.23,,15yr_declining,2790.93,,,True,quota_share,captive_agent,False,False,False,0.009195,0.006228,SOA_2015_VBT,SOA_Scale_MP2023,0.658,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0216,False,normal_rate,3.46,1.62,False,False,False,False,False,0.981,45.2,33.2,preferred_longevity,71.7,baseline,1.029,0.743,False,,False,,997209.07,21960.84,19591.09,21809.84,5179.84,False,0,2.33,28.23
LI-2024-INS004-002288,2014-03-13,10,23,33,1991,male,never_smoker,24.4,75,195,CT,USA,divorced,bachelors,heavy_blue_collar,119128.36,0.5278,simplified_issue,115,62,210,55,3.82,96,,False,,,False,False,True,False,False,none,,none,none,none,0,False,True,False,False,False,preferred_plus,1.09,,False,False,False,False,17,UW-097,0.57,universal_life,500000,monthly,835.4,,10yr_declining,745.38,,,False,none,captive_agent,False,False,False,0.001698,0.001053,SOA_2015_VBT,SOA_Scale_MP2023,0.562,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0345,False,normal_rate,4.5,2.47,False,False,False,False,False,0.802,70.0,57.0,super_preferred_longevity,100.0,baseline,1.104,0.802,True,44.9,False,,499254.62,6854.54,6981.38,6683.2,1587.26,False,0,2.88,25.94
LI-2024-INS004-002289,2023-07-13,2,37,39,1986,male,never_smoker,31.7,65,190,MN,USA,married,graduate,professional,98396.36,0.8351,non_med_guaranteed,134,89,238,57,4.18,97,5.6,False,92.5,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,52,UW-370,1.25,term_life,2000000,semi_annual,8361.54,10.0,none,,,,True,facultative,captive_agent,False,False,False,0.002419,0.003634,SOA_2015_VBT,SOA_Scale_MP2023,1.433,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000605,0.02,False,,1.0,False,,,,0.07,0.0722,False,normal_rate,3.94,2.52,False,False,False,False,False,0.855,57.8,55.0,super_preferred_longevity,100.0,baseline,0.874,0.864,False,,False,,2000000.0,66055.9,58595.38,66892.32,15886.93,False,0,0.09,13.16
LI-2024-INS004-002290,2008-06-10,14,38,52,1970,male,former_smoker,25.2,69,170,GA,USA,married,some_college,white_collar,42342.92,0.6932,full_paramedical,120,69,187,54,3.46,86,,False,71.1,3.99,False,False,False,False,False,none,,none,none,anxiety,13,False,False,False,False,False,standard,,,False,False,False,False,8,UW-370,1.09,universal_life,500000,quarterly,2343.08,,10yr_declining,2626.32,,,False,none,employer_group,False,False,False,0.00817,0.009263,SOA_2015_VBT,SOA_Scale_MP2023,1.065,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000735,0.018,False,,1.0,False,,,,0.04,0.055,False,normal_rate,3.68,2.23,False,False,False,False,False,0.807,53.7,40.1,super_preferred_longevity,83.0,baseline,0.98,0.897,True,36.9,False,,497373.68,19521.74,16411.05,18744.64,4451.85,False,0,1.23,17.91
LI-2024-INS004-002291,2002-09-06,22,63,85,1939,male,never_smoker,20.0,67,127,MN,USA,divorced,high_school,light_blue_collar,21740.42,0.2999,full_paramedical,141,93,182,36,5.06,99,,False,66.7,5.06,False,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,21,UW-391,2.5,term_life,100000,monthly,1781.61,25.0,none,,,,False,none,captive_agent,False,False,False,0.093548,0.44449,SOA_2015_VBT,SOA_Scale_MP2023,2.55,respiratory,True,2012-07-22,False,False,1051937.48,0.0007,5e-05,1.095,0.140323,0.005,False,,1.0,False,,,,0.03,0.0438,False,normal_rate,4.69,2.52,False,False,False,False,False,0.891,21.4,1.2,sub_standard_longevity,18.8,baseline,1.275,0.338,True,80.1,False,,100000.0,793.39,831.79,855.17,6064.6,False,0,-0.64,-19.97
LI-2024-INS004-002292,2006-07-15,14,40,54,1966,female,unknown,23.5,69,158,IL,USA,single,graduate,light_blue_collar,44311.37,0.2817,limited_exam,137,79,215,44,4.89,91,5.0,False,,,True,False,False,True,False,none,,none,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,False,21,UW-178,1.0,term_life,100000,semi_annual,438.04,15.0,none,,,,False,none,bank,False,False,False,0.006801,0.009421,SOA_2015_VBT,SOA_Scale_MP2023,1.075,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0442,False,normal_rate,3.69,2.07,False,False,False,False,False,0.807,53.2,39.2,preferred_longevity,75.5,baseline,1.289,0.186,False,,False,,100000.0,3338.95,3308.29,3504.32,832.28,False,0,1.29,11.8
LI-2024-INS004-002293,2003-02-15,3,68,71,1935,female,never_smoker,24.7,72,181,DE,USA,married,bachelors,light_blue_collar,94784.53,0.7552,limited_exam,145,90,179,39,4.59,96,6.0,False,82.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-235,1.25,term_life,1000000,annual,8074.09,20.0,none,,,,True,none,captive_agent,True,False,False,0.021765,0.034824,SOA_2015_VBT,SOA_Scale_MP2023,1.446,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005441,0.005,False,,1.0,False,,,,0.07,0.0767,False,normal_rate,3.02,1.14,False,False,False,False,False,0.868,21.7,18.7,standard_longevity,51.9,baseline,0.934,0.738,False,,False,,1000000.0,59316.22,60435.66,60394.19,16180.48,False,0,3.89,9.21
LI-2024-INS004-002294,2008-03-26,10,39,49,1969,female,never_smoker,34.3,72,252,NJ,USA,married,graduate,light_blue_collar,202569.86,0.4305,full_paramedical,131,86,217,36,6.03,125,5.2,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-354,1.5,whole_life,1000000,monthly,6275.27,,none,5773.8,,,True,facultative,direct_to_consumer,False,False,False,0.003965,0.009851,SOA_2015_VBT,SOA_Scale_MP2023,1.686,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001982,0.015,False,,1.0,False,,,,0.02,0.038,False,normal_rate,3.71,1.36,False,False,False,False,False,0.95,55.3,46.3,super_preferred_longevity,88.4,baseline,1.177,0.413,True,40.4,False,,994226.2,51160.34,43978.5,50202.16,11923.01,False,0,5.05,4.37
LI-2024-INS004-002295,2008-03-20,17,64,81,1944,male,unknown,36.3,62,198,SD,USA,married,high_school,heavy_blue_collar,254984.44,0.3841,accelerated_UW,128,77,232,34,6.82,126,5.8,False,67.3,17.43,True,False,False,False,True,prostate,1.9,none,none,depression,3,False,False,False,False,True,standard,1.02,,False,True,False,True,26,UW-379,1.0,term_life,250000,monthly,1853.46,20.0,none,,,,False,none,employer_group,False,False,False,0.073432,0.094245,SOA_2015_VBT,SOA_Scale_MP2023,1.059,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0501,False,normal_rate,1.06,1.09,False,False,False,False,False,0.753,21.8,4.8,sub_standard_longevity,25.5,baseline,1.212,0.418,False,,False,,250000.0,3564.23,3724.52,3558.64,5775.38,False,0,1.64,16.46
LI-2024-INS004-002296,2023-03-10,1,54,55,1969,male,former_smoker,29.9,69,202,OR,USA,divorced,some_college,white_collar,344855.66,0.7029,simplified_issue,140,84,210,44,4.77,121,4.6,False,90.7,4.15,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-132,1.25,indexed_ul,500000,quarterly,2555.22,,15yr_declining,1569.2,,,False,none,bank,True,False,False,0.010433,0.015356,SOA_2015_VBT,SOA_Scale_MP2023,1.256,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002608,0.015,False,,1.0,False,,,,0.11,0.0563,False,normal_rate,3.3,0.58,False,False,False,False,False,0.875,37.4,36.4,preferred_longevity,77.6,baseline,0.973,0.7,False,,False,,498430.8,21606.78,19008.78,20441.76,4854.92,False,0,6.28,17.43
LI-2024-INS004-002297,2008-04-25,3,40,43,1968,female,never_smoker,21.1,72,155,VT,USA,married,some_college,white_collar,449535.83,0.4782,simplified_issue,142,94,207,66,3.14,94,,False,80.4,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,42,UW-466,1.5,annuity_immediate,2000000,annual,10954.53,,none,,,,True,quota_share,independent_broker,False,False,False,0.002537,0.006101,SOA_2015_VBT,SOA_Scale_MP2023,1.669,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001268,0.015,False,,1.0,False,,,,0.005,0.0066,False,normal_rate,2.44,2.08,False,False,False,False,False,0.829,54.3,51.3,super_preferred_longevity,96.6,baseline,1.141,0.44,False,,False,,2000000.0,82297.95,87587.55,87636.24,20813.61,False,0,2.1,13.37
LI-2024-INS004-002298,2012-07-22,5,44,49,1968,male,never_smoker,30.2,62,165,CT,USA,married,graduate,hazardous,25657.16,0.5027,full_paramedical,132,82,189,56,3.38,102,4.9,False,75.8,1.04,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,3.05,5.0,True,False,False,False,18,UW-402,2.25,annuity_immediate,1000000,annual,10446.74,,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.004956,0.019803,SOA_2015_VBT,SOA_Scale_MP2023,2.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006195,0.015,False,,1.0,False,,,,0.005,0.0091,False,normal_rate,2.56,1.37,False,False,False,False,False,0.983,46.4,46.9,super_preferred_longevity,90.4,baseline,1.123,0.537,True,72.7,False,,1000000.0,84846.95,80958.63,83573.92,19848.81,False,0,2.19,-20.0
LI-2024-INS004-002299,2004-10-20,9,40,49,1964,male,former_smoker,27.2,76,223,KS,USA,married,some_college,white_collar,42877.13,0.645,simplified_issue,111,66,230,51,4.51,105,4.7,False,84.2,2.66,False,False,False,False,True,prostate,10.7,none,none,anxiety,7,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,58,UW-448,1.25,universal_life,100000,semi_annual,557.74,,10yr_declining,474.71,,,False,none,captive_agent,False,False,False,0.006346,0.010945,SOA_2015_VBT,SOA_Scale_MP2023,1.451,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001587,0.015,False,,1.0,False,,,,0.06,0.032,False,normal_rate,4.99,0.93,False,False,False,False,False,0.825,50.4,41.4,super_preferred_longevity,84.3,baseline,1.016,0.531,False,,False,,99525.29,4214.58,4331.51,4461.92,1059.71,False,0,4.01,9.55
LI-2024-INS004-002300,2016-05-03,4,74,78,1942,male,never_smoker,36.4,73,275,CO,USA,married,some_college,professional,75259.98,0.385,limited_exam,128,81,228,32,7.12,124,5.1,False,77.3,2.13,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,22,UW-497,2.25,whole_life,250000,annual,4099.74,,none,2987.01,,,False,none,captive_agent,False,False,False,0.048435,0.196066,SOA_2015_VBT,SOA_Scale_MP2023,2.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.060544,0.008,False,,1.0,False,,,,0.04,0.0557,False,normal_rate,4.94,0.71,False,False,False,False,False,0.97,11.5,7.5,sub_standard_longevity,29.5,baseline,1.211,0.25,False,,False,,247012.99,11120.47,10918.45,12299.22,11889.25,False,0,3.89,-16.93
LI-2024-INS004-002301,2016-07-05,4,32,36,1984,female,never_smoker,31.5,70,219,NY,USA,divorced,graduate,light_blue_collar,250782.3,0.59,accelerated_UW,140,87,222,55,4.04,106,,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,18,UW-341,1.25,universal_life,1000000,monthly,3720.91,,10yr_declining,2742.71,,,True,excess_of_loss,bank,True,False,False,0.001608,0.002634,SOA_2015_VBT,SOA_Scale_MP2023,1.313,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000402,0.02,False,,1.0,False,,,,0.08,0.0442,False,normal_rate,3.44,1.57,False,False,False,False,True,0.777,65.6,56.8,super_preferred_longevity,100.0,baseline,1.058,0.601,True,43.7,False,,997257.29,26928.13,28985.81,29767.28,7069.73,False,0,2.68,17.25
LI-2024-INS004-002302,2009-03-11,3,64,67,1945,female,current_smoker,23.2,67,148,ME,USA,married,some_college,white_collar,27625.48,0.7714,accelerated_UW,144,88,212,44,4.82,80,5.0,True,73.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,True,32,UW-178,1.75,term_life,250000,quarterly,2753.37,20.0,none,,,,True,none,bank,False,False,False,0.030399,0.072912,SOA_2015_VBT,SOA_Scale_MP2023,1.789,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0228,0.008,False,,1.0,False,,,,0.07,0.0758,False,normal_rate,1.51,1.17,False,False,False,False,False,0.838,27.5,24.5,preferred_longevity,60.8,baseline,0.921,0.61,False,,False,,250000.0,23894.06,19120.29,22026.96,5231.4,False,0,3.03,3.98
LI-2024-INS004-002303,2007-07-07,20,21,41,1986,male,never_smoker,30.6,68,201,CT,USA,single,some_college,light_blue_collar,97372.9,0.5408,full_paramedical,134,86,225,43,5.23,100,,False,,0.57,False,False,True,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-303,1.25,term_life,250000,quarterly,1170.39,15.0,none,,,,False,none,captive_agent,False,False,False,0.002761,0.005105,SOA_2015_VBT,SOA_Scale_MP2023,1.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00069,0.02,False,,1.0,False,,,,0.03,0.038,False,normal_rate,4.22,1.52,False,False,False,False,False,0.951,70.0,50.0,super_preferred_longevity,100.0,baseline,1.094,0.386,False,,False,,250000.0,8753.75,9255.11,9363.12,2223.74,False,0,4.64,9.28
LI-2024-INS004-002304,2008-01-14,11,70,81,1938,male,never_smoker,32.1,63,181,NY,USA,widowed,graduate,hazardous,153310.03,0.2066,full_paramedical,160,91,231,55,4.2,99,5.9,False,64.7,5.81,True,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_2,3.42,2.0,True,False,False,False,32,UW-286,1.5,universal_life,1000000,annual,10558.04,,10yr_declining,10234.06,,,True,quota_share,employer_group,False,False,False,0.066019,0.178816,SOA_2015_VBT,SOA_Scale_MP2023,1.642,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033009,0.005,False,,1.0,False,,,,0.04,0.2383,True,normal_rate,3.55,1.61,False,False,False,False,False,0.936,13.9,2.9,sub_standard_longevity,19.9,baseline,1.345,0.168,False,,False,,989765.94,11356.83,11560.21,12247.33,34503.67,False,0,3.25,3.14
LI-2024-INS004-002305,2003-01-02,11,57,68,1946,male,never_smoker,16.4,69,110,HI,USA,married,bachelors,light_blue_collar,34997.07,0.5283,accelerated_UW,134,95,207,60,3.45,72,,False,88.2,3.45,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,11,UW-045,1.5,universal_life,2000000,monthly,15697.67,,10yr_declining,14736.04,,,True,quota_share,independent_broker,False,False,False,0.020894,0.045156,SOA_2015_VBT,SOA_Scale_MP2023,1.505,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010447,0.008,False,,1.0,False,,,,0.04,0.1456,True,normal_rate,5.38,2.75,True,False,False,False,False,0.864,29.7,18.2,standard_longevity,47.7,baseline,1.104,0.577,False,,True,-0.312,1985263.96,123023.47,102545.39,114279.04,32086.04,False,0,-0.54,4.16
LI-2024-INS004-002306,2017-02-16,9,59,68,1958,male,never_smoker,28.2,74,219,ME,USA,married,high_school,light_blue_collar,46416.28,0.2942,simplified_issue,137,82,286,54,5.3,113,5.7,False,,3.7,False,False,False,False,False,none,,none,none,none,3,True,False,True,False,True,substandard_table_1,3.06,1.0,True,False,False,False,42,UW-412,1.25,term_life,1000000,annual,6889.92,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.022367,0.04488,SOA_2015_VBT,SOA_Scale_MP2023,1.373,cardiovascular,True,2023-01-19,False,False,125856.16,0.0007,5e-05,1.095,0.005592,0.012,False,,1.0,False,,,,0.05,0.0732,False,normal_rate,2.31,1.79,False,False,False,False,False,0.802,28.8,19.8,standard_longevity,46.6,baseline,1.279,0.383,False,,False,,1000000.0,57756.58,47058.32,54568.17,13201.09,False,0,1.98,12.49
LI-2024-INS004-002307,2023-09-19,2,40,42,1983,male,former_smoker,34.7,72,255,NY,USA,single,high_school,white_collar,20000.0,0.6668,accelerated_UW,129,75,208,53,3.92,92,8.9,False,86.0,2.82,False,False,True,False,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,27,UW-400,2.25,term_life,1000000,semi_annual,7291.56,30.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.003844,0.014018,SOA_2015_VBT,SOA_Scale_MP2023,2.397,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004805,0.02,False,,1.0,False,,,,0.07,0.0817,False,normal_rate,3.65,2.23,False,False,False,False,False,0.833,56.7,54.7,super_preferred_longevity,100.0,baseline,1.0,0.859,False,,False,,1000000.0,56693.87,60304.59,58332.48,13853.96,False,0,0.66,-13.75
LI-2024-INS004-002308,2020-06-17,4,46,50,1974,male,never_smoker,30.2,69,204,NJ,USA,married,bachelors,light_blue_collar,37066.28,0.5257,simplified_issue,121,78,231,61,3.79,118,4.8,False,76.1,1.32,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-016,2.0,universal_life,250000,annual,1997.28,,10yr_declining,1431.49,,,False,none,captive_agent,False,False,False,0.005359,0.020386,SOA_2015_VBT,SOA_Scale_MP2023,2.151,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.018,True,0.00228,1.0,False,,,,0.08,0.0461,False,normal_rate,3.24,2.63,False,False,False,False,False,0.961,45.6,41.6,super_preferred_longevity,82.8,baseline,1.106,0.51,False,,False,,248568.51,15862.3,15065.02,15978.24,3794.83,False,0,0.22,-6.9
LI-2024-INS004-002309,2011-10-07,6,35,41,1976,male,never_smoker,31.5,76,258,SC,USA,married,some_college,professional,127281.22,0.6513,full_paramedical,124,79,255,48,5.31,131,5.6,False,100.4,1.48,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-279,2.25,whole_life,100000,monthly,668.39,,none,549.11,,,False,none,bank,False,False,False,0.002761,0.009979,SOA_2015_VBT,SOA_Scale_MP2023,2.337,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003452,0.018,False,,1.0,False,,,,0.02,0.0236,False,normal_rate,3.13,0.62,False,False,False,False,False,0.849,57.4,51.4,super_preferred_longevity,99.4,baseline,1.012,0.637,False,,False,,99450.89,5371.7,4808.34,5347.12,1269.94,False,0,-0.03,-14.79
LI-2024-INS004-002310,2014-10-27,11,69,80,1945,male,never_smoker,29.8,75,238,NV,USA,married,some_college,white_collar,23866.58,0.4713,full_paramedical,144,75,186,70,2.66,117,5.0,False,52.1,3.16,False,False,False,False,False,none,,none,none,none,27,False,False,True,False,True,substandard_table_3,,3.0,False,False,False,False,34,UW-303,1.75,whole_life,2000000,semi_annual,26104.72,,none,26098.37,,,True,quota_share,direct_to_consumer,False,False,False,0.059031,0.176182,SOA_2015_VBT,SOA_Scale_MP2023,1.949,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044273,0.008,False,,1.0,False,,,,0.015,0.0278,False,normal_rate,4.11,2.84,False,False,False,False,False,0.89,17.3,6.3,sub_standard_longevity,29.0,baseline,1.147,0.513,False,,False,,1973901.63,70707.52,56925.71,65783.89,78209.74,False,0,-1.71,-7.96
LI-2024-INS004-002311,2004-02-22,14,58,72,1946,female,never_smoker,39.4,60,201,IL,USA,divorced,high_school,white_collar,81719.57,0.6464,simplified_issue,138,86,250,34,7.35,98,5.4,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-104,1.5,universal_life,1000000,monthly,9936.12,,10yr_declining,10394.99,,,True,facultative,direct_to_consumer,False,False,False,0.023699,0.051476,SOA_2015_VBT,SOA_Scale_MP2023,1.647,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01185,0.008,False,,1.0,False,,,,0.04,0.0662,False,normal_rate,6.04,2.19,False,False,False,False,False,0.959,33.1,19.1,standard_longevity,50.8,baseline,1.015,0.692,False,,False,,989605.01,72706.98,77175.72,75911.96,19594.03,False,0,5.13,6.32
LI-2024-INS004-002312,2008-12-09,13,25,38,1983,male,never_smoker,33.9,67,216,LA,USA,married,some_college,light_blue_collar,121230.47,0.1806,full_paramedical,119,77,136,44,3.09,97,4.9,False,85.5,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,29,UW-399,1.25,whole_life,500000,monthly,1888.08,,none,1978.28,,,False,none,captive_agent,False,False,False,0.00227,0.004796,SOA_2015_VBT,SOA_Scale_MP2023,1.365,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.02,False,,1.0,False,,,,0.015,0.0233,False,normal_rate,1.72,0.7,True,False,False,False,False,0.76,66.8,54.7,super_preferred_longevity,97.3,baseline,1.365,0.146,True,37.4,True,0.117,498021.72,16466.25,13090.38,15104.64,3587.35,False,0,3.03,9.43
LI-2024-INS004-002313,2012-02-04,9,29,38,1983,female,unknown,18.6,63,105,MO,USA,married,some_college,hazardous,140221.86,0.9635,full_paramedical,121,80,162,70,2.31,88,5.6,False,93.5,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,standard_plus,4.62,,True,False,False,False,32,UW-136,0.95,term_life,2000000,monthly,6180.62,25.0,none,,,,True,facultative,independent_broker,False,False,False,0.002089,0.001492,SOA_2015_VBT,SOA_Scale_MP2023,0.919,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0465,False,normal_rate,3.55,1.27,False,False,False,False,False,0.951,69.9,55.0,super_preferred_longevity,100.0,baseline,0.777,0.905,False,,False,,2000000.0,44526.93,51859.03,49444.96,11743.18,False,0,1.14,27.22
LI-2024-INS004-002314,2014-02-10,2,29,31,1985,male,never_smoker,27.3,76,224,MS,USA,single,bachelors,light_blue_collar,37992.63,0.8565,full_paramedical,137,81,186,37,5.03,78,5.4,False,,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-497,2.25,whole_life,1000000,quarterly,5913.53,,none,3599.68,,,True,excess_of_loss,bank,False,False,False,0.001532,0.0052,SOA_2015_VBT,SOA_Scale_MP2023,2.5,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001915,0.02,False,,1.0,False,,,,0.04,0.0406,False,normal_rate,3.56,1.71,False,False,False,False,False,0.751,65.8,55.0,super_preferred_longevity,100.0,baseline,0.858,0.972,False,,False,,996400.32,49424.46,43960.34,47308.24,11235.71,False,0,3.15,-1.13
LI-2024-INS004-002315,2022-03-10,2,54,56,1968,female,former_smoker,29.3,60,150,ND,USA,married,high_school,white_collar,98302.96,0.1753,full_paramedical,123,84,169,46,3.67,86,5.6,False,84.0,,False,False,False,False,False,none,,none,none,depression,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-130,1.25,universal_life,100000,semi_annual,510.84,,10yr_declining,314.15,,,False,none,captive_agent,False,False,False,0.009067,0.020818,SOA_2015_VBT,SOA_Scale_MP2023,1.495,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002267,0.015,True,0.0,1.0,False,,,,0.08,0.0786,False,normal_rate,3.31,0.92,False,False,False,False,False,0.971,39.1,37.1,preferred_longevity,70.8,baseline,1.369,0.171,False,,False,,99685.85,3951.33,4048.93,4086.72,970.6,False,0,3.05,16.74
LI-2024-INS004-002316,2022-10-19,2,46,48,1976,female,never_smoker,33.1,65,199,SC,USA,divorced,bachelors,hazardous,42592.79,0.6882,full_paramedical,122,88,198,60,3.3,118,5.2,False,108.1,,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,4.95,1.0,True,False,False,False,28,UW-374,1.25,universal_life,500000,monthly,2371.43,,15yr_declining,1485.81,,,False,none,independent_broker,False,False,False,0.00367,0.011681,SOA_2015_VBT,SOA_Scale_MP2023,1.324,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000917,0.018,True,0.00598,1.0,False,,,,0.08,0.0414,False,normal_rate,3.49,1.33,False,False,False,False,False,0.842,50.6,54.1,super_preferred_longevity,100.0,baseline,0.984,0.771,True,67.2,False,,498514.19,19965.74,18909.87,18971.44,4505.72,False,0,2.77,6.0
LI-2024-INS004-002317,2017-07-13,8,44,52,1973,male,never_smoker,26.3,73,199,IL,USA,married,bachelors,heavy_blue_collar,58688.94,0.4674,simplified_issue,127,77,243,57,4.26,83,,False,95.7,2.12,True,False,False,False,False,none,,none,none,depression,3,False,False,False,True,True,substandard_table_1,1.27,1.0,False,False,False,False,54,UW-065,1.25,term_life,250000,monthly,1274.44,10.0,none,,,,False,none,captive_agent,False,False,False,0.006284,0.010781,SOA_2015_VBT,SOA_Scale_MP2023,1.275,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001571,0.018,False,,1.0,False,,,,0.05,0.0663,False,normal_rate,3.58,2.08,False,False,False,False,False,0.765,47.3,39.3,preferred_longevity,78.5,baseline,1.149,0.445,False,,False,,250000.0,10268.94,8859.37,10195.52,2421.44,False,0,3.52,7.87
LI-2024-INS004-002318,2023-05-21,4,78,82,1945,female,never_smoker,33.1,62,180,TN,USA,single,some_college,white_collar,25897.45,0.8337,accelerated_UW,147,89,253,39,6.49,74,4.6,False,63.0,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,True,6,UW-363,1.0,indexed_ul,2000000,annual,13426.42,,15yr_declining,8868.19,4168.05,0.47,True,facultative,bank,False,False,False,0.056139,0.051954,SOA_2015_VBT,SOA_Scale_MP2023,1.058,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.08,0.0223,False,normal_rate,3.77,1.21,False,False,False,False,False,0.817,13.7,9.7,standard_longevity,39.6,baseline,0.875,0.744,False,,False,,1991131.81,51553.1,48314.47,52094.51,36573.57,False,0,3.07,24.0
LI-2024-INS004-002319,2020-01-07,7,36,43,1984,male,never_smoker,29.2,69,197,OR,USA,divorced,bachelors,white_collar,20000.0,0.4792,full_paramedical,116,81,168,70,2.4,118,5.2,False,71.3,1.16,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-050,2.25,term_life,250000,annual,2011.15,20.0,none,,,,False,none,independent_broker,False,False,False,0.003171,0.01655,SOA_2015_VBT,SOA_Scale_MP2023,2.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003964,0.02,True,0.00443,1.0,False,,,,0.05,0.0658,False,normal_rate,3.96,1.15,False,True,False,False,False,0.978,57.1,50.1,super_preferred_longevity,94.8,baseline,1.141,0.5,False,,False,,250000.0,17158.9,16644.43,16089.2,3821.19,False,0,2.71,-15.05
LI-2024-INS004-002320,2019-06-28,7,45,52,1974,male,never_smoker,33.8,70,235,NY,USA,divorced,high_school,professional,52925.89,0.5948,limited_exam,116,68,195,63,3.1,101,5.2,False,81.0,4.82,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard,,,False,False,False,False,7,UW-435,1.04,term_life,250000,monthly,1107.21,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.006284,0.007073,SOA_2015_VBT,SOA_Scale_MP2023,1.03,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000251,0.018,False,,1.0,False,,,,0.05,0.0857,False,normal_rate,6.07,2.41,False,False,False,False,False,0.978,46.9,39.9,super_preferred_longevity,81.3,baseline,1.054,0.407,False,,False,,250000.0,8688.3,8035.82,8857.68,2103.7,False,0,3.29,17.88
LI-2024-INS004-002321,2018-11-12,3,26,29,1992,male,never_smoker,27.0,60,138,WY,USA,widowed,high_school,hazardous,29989.42,0.9206,full_paramedical,97,56,180,51,3.53,96,,False,90.1,,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,4.83,4.0,True,False,False,False,24,UW-090,2.0,universal_life,1000000,semi_annual,4760.17,,10yr_declining,3039.47,,,True,quota_share,independent_broker,False,False,False,0.001394,0.00368,SOA_2015_VBT,SOA_Scale_MP2023,2.026,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001394,0.022,False,,1.0,False,,,,0.08,0.0347,False,normal_rate,3.0,1.85,False,False,False,False,False,0.817,70.0,55.0,super_preferred_longevity,100.0,baseline,0.81,0.828,False,,False,,996960.53,41312.77,39924.35,38081.36,9044.32,False,0,1.22,-2.67
LI-2024-INS004-002322,2024-02-19,2,58,60,1966,male,never_smoker,32.9,76,270,MA,USA,single,some_college,professional,21284.93,0.7299,full_paramedical,124,76,204,60,3.4,118,5.5,False,89.4,3.25,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,standard,,,False,False,False,False,5,UW-021,1.07,indexed_ul,1000000,quarterly,5408.07,,10yr_declining,3776.23,,,True,none,direct_to_consumer,False,False,False,0.012208,0.012635,SOA_2015_VBT,SOA_Scale_MP2023,1.013,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000855,0.015,False,,1.0,False,,,,0.08,0.0563,False,normal_rate,5.07,2.1,False,False,False,False,False,0.994,33.0,31.0,preferred_longevity,69.9,baseline,0.953,0.552,False,,False,,996223.77,42283.46,40939.55,43264.56,10275.33,False,0,1.27,17.39
LI-2024-INS004-002323,2005-01-12,19,58,77,1947,male,never_smoker,19.8,64,115,MO,USA,single,graduate,professional,84568.71,0.1444,limited_exam,132,77,174,53,3.28,100,5.3,False,70.6,3.59,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-036,2.0,term_life,1000000,quarterly,12357.08,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.046215,0.189255,SOA_2015_VBT,SOA_Scale_MP2023,2.224,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046215,0.008,False,,1.0,False,,,,0.03,0.0665,False,normal_rate,3.01,1.33,False,False,False,False,False,0.994,27.3,8.8,sub_standard_longevity,27.9,baseline,1.392,0.192,True,53.3,False,,1000000.0,40444.63,37229.96,43496.92,34550.4,False,0,1.87,-10.97
LI-2024-INS004-002324,2009-07-12,18,62,80,1947,female,former_smoker,30.6,70,213,RI,USA,married,some_college,light_blue_collar,22385.14,0.4018,accelerated_UW,128,78,270,40,6.75,111,,False,70.5,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,27,UW-325,1.5,universal_life,1000000,monthly,11037.8,,10yr_declining,13980.51,,,True,none,worksite,False,False,False,0.062386,0.149195,SOA_2015_VBT,SOA_Scale_MP2023,1.578,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031193,0.008,False,,1.0,True,2025-07-24,unknown,18.0,0.04,0.0551,False,normal_rate,3.18,2.47,False,False,False,False,False,0.89,28.3,10.3,sub_standard_longevity,34.0,baseline,1.199,0.587,False,,False,,986019.49,41799.74,41168.63,45475.74,29537.15,False,0,3.46,-2.41
LI-2024-INS004-002325,2007-07-10,11,39,50,1968,male,current_smoker,15.0,65,90,UT,USA,married,graduate,light_blue_collar,57156.27,0.6647,simplified_issue,132,80,205,85,2.41,81,5.6,True,79.8,3.83,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,declined,,,False,False,True,False,4,UW-320,7.0,whole_life,100000,annual,2576.55,,none,2436.36,,,False,none,direct_to_consumer,False,False,False,0.010719,0.130053,SOA_2015_VBT,SOA_Scale_MP2023,6.124,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064313,0.015,False,,1.0,False,,,,0.015,0.0245,False,normal_rate,4.59,0.97,False,False,False,False,False,0.928,52.1,46.6,super_preferred_longevity,92.4,baseline,1.001,0.579,True,72.4,False,,97563.64,18744.1,21487.83,20612.4,4895.45,False,0,-5.0,-20.0
LI-2024-INS004-002326,2008-02-26,7,24,31,1984,female,former_smoker,35.3,68,232,ND,USA,widowed,graduate,hazardous,20000.0,0.7443,accelerated_UW,122,77,260,59,4.41,112,5.5,False,96.9,,False,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,4.67,1.0,True,False,False,True,10,UW-133,1.25,whole_life,250000,annual,767.44,,none,617.25,,,False,none,independent_broker,False,False,False,0.001593,0.002451,SOA_2015_VBT,SOA_Scale_MP2023,1.368,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000398,0.02,False,,1.0,False,,,,0.02,0.0221,False,normal_rate,2.28,2.36,False,False,False,False,False,0.844,70.0,55.0,super_preferred_longevity,100.0,baseline,0.942,0.648,False,,False,,249382.75,5642.02,6412.27,6139.52,1458.14,False,0,4.25,10.57
LI-2024-INS004-002327,2002-05-10,13,41,54,1961,female,never_smoker,32.1,59,158,WV,USA,married,bachelors,hazardous,80040.85,0.6292,full_paramedical,122,70,264,51,5.18,89,5.9,False,83.3,,True,False,False,False,False,none,,pre_diabetes,none,substance_use_disorder,5,False,False,False,False,True,standard,3.85,,True,True,False,False,50,UW-472,1.0,universal_life,250000,quarterly,1025.91,,15yr_declining,1013.69,,,False,none,captive_agent,False,False,False,0.005567,0.006158,SOA_2015_VBT,SOA_Scale_MP2023,1.076,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0215,False,normal_rate,3.85,0.65,False,False,False,False,False,0.78,52.9,39.9,super_preferred_longevity,81.8,baseline,1.028,0.578,False,,False,,248986.31,8787.83,7835.29,8207.28,1949.23,False,0,3.5,15.71
LI-2024-INS004-002328,2008-07-23,15,60,75,1948,female,never_smoker,27.8,71,199,MA,USA,married,high_school,white_collar,20000.0,0.8662,limited_exam,148,84,193,37,5.22,94,,False,83.6,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-182,2.25,annuity_immediate,500000,annual,7625.18,,none,,,,False,none,employer_group,False,False,False,0.031302,0.101598,SOA_2015_VBT,SOA_Scale_MP2023,2.347,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039127,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.41,1.29,False,False,False,False,False,0.907,32.3,17.3,standard_longevity,51.4,baseline,0.85,0.881,False,,False,,500000.0,51602.0,52322.55,52766.25,16134.88,False,0,1.18,-16.49
LI-2024-INS004-002329,2013-11-20,7,30,37,1983,female,current_smoker,27.3,58,130,CO,USA,married,high_school,professional,20000.0,0.8306,limited_exam,121,77,167,49,3.41,64,,True,88.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,20,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,12,UW-385,2.75,universal_life,1000000,monthly,9664.01,,10yr_declining,8005.84,,,True,none,worksite,False,False,False,0.003415,0.014658,SOA_2015_VBT,SOA_Scale_MP2023,2.899,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005976,0.02,False,,1.0,False,,,,0.06,0.028,False,normal_rate,2.96,1.47,False,False,False,False,False,0.793,68.4,55.0,super_preferred_longevity,100.0,baseline,0.877,0.714,False,,False,,991994.16,73597.76,74372.38,77312.08,18361.62,False,0,2.34,-20.0
LI-2024-INS004-002330,2012-12-21,4,22,26,1990,male,never_smoker,30.0,70,209,PA,USA,married,graduate,professional,58695.91,0.7224,full_paramedical,115,81,251,38,6.61,101,5.3,False,107.4,,False,False,False,False,True,colorectal,2.1,none,none,none,5,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,37,UW-010,2.0,group_life,500000,annual,2093.88,,none,,,,False,none,employer_group,False,False,False,0.001229,0.003828,SOA_2015_VBT,SOA_Scale_MP2023,2.208,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001229,0.022,False,,1.0,False,,,,0.15,0.202,False,normal_rate,2.23,2.02,False,False,False,False,False,0.918,70.0,55.0,super_preferred_longevity,100.0,baseline,0.958,0.709,False,,False,,500000.0,16121.94,16384.96,16751.04,3978.37,False,0,0.43,-9.77
LI-2024-INS004-002331,2017-04-02,4,30,34,1987,male,former_smoker,21.8,65,131,PA,USA,single,some_college,white_collar,27889.73,0.8461,full_paramedical,116,68,187,58,3.22,80,,False,77.5,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-496,2.25,whole_life,500000,annual,3486.97,,none,2605.81,,,False,none,employer_group,False,False,False,0.00233,0.00786,SOA_2015_VBT,SOA_Scale_MP2023,2.453,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002913,0.02,False,,1.0,False,,,,0.04,0.0491,False,normal_rate,4.62,2.51,False,False,False,False,False,0.755,65.0,55.0,super_preferred_longevity,100.0,baseline,0.865,0.811,False,,False,,497394.19,29053.11,28340.21,27895.76,6625.24,False,0,-0.63,-5.39
LI-2024-INS004-002332,2008-01-15,18,33,51,1975,female,former_smoker,33.6,68,220,AL,USA,married,bachelors,hazardous,48533.02,0.9162,full_paramedical,158,98,245,50,4.9,88,5.7,False,95.7,,False,False,False,False,False,none,,pre_diabetes,none,depression,2,False,False,False,False,True,substandard_table_2,3.26,2.0,True,False,False,False,43,UW-080,1.5,indexed_ul,500000,quarterly,3582.14,,15yr_declining,4390.39,,,False,none,bank,False,False,False,0.006033,0.010495,SOA_2015_VBT,SOA_Scale_MP2023,1.525,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003017,0.018,False,,1.0,False,,,,0.04,0.0387,False,normal_rate,2.69,2.21,False,False,False,False,False,0.893,64.4,46.4,super_preferred_longevity,95.8,baseline,0.813,0.946,False,,False,,495609.61,26828.6,26330.06,28657.12,6806.07,False,0,4.26,9.48
LI-2024-INS004-002333,2021-05-10,4,76,80,1945,male,former_smoker,37.7,76,310,MN,USA,divorced,some_college,white_collar,70921.16,0.6971,full_paramedical,140,90,206,42,4.9,83,7.1,False,,7.82,True,False,False,False,False,none,,type_2,none,substance_use_disorder,11,False,True,False,False,True,substandard_table_5,,5.0,False,False,False,False,30,UW-396,2.25,term_life,500000,semi_annual,7824.12,20.0,none,,,,False,none,bank,True,False,False,0.07674,0.275059,SOA_2015_VBT,SOA_Scale_MP2023,2.325,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.095925,0.008,True,0.00479,1.0,False,,,,0.07,0.08,False,normal_rate,2.45,1.23,False,False,False,False,True,0.977,11.2,8.7,standard_longevity,36.0,baseline,0.977,0.834,True,90.7,False,,500000.0,29414.56,28353.52,27227.94,21938.83,False,0,-2.08,-9.53
LI-2024-INS004-002334,2006-11-28,11,72,83,1934,female,never_smoker,24.5,61,129,IL,USA,single,high_school,light_blue_collar,29230.52,0.2557,accelerated_UW,129,76,236,36,6.56,96,5.4,False,,,False,False,False,False,True,other,0.1,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,30,UW-137,2.5,term_life,250000,annual,4976.07,10.0,none,,,,False,none,captive_agent,False,False,False,0.061506,0.303315,SOA_2015_VBT,SOA_Scale_MP2023,2.623,cancer,True,2016-04-02,False,False,936165.9,0.0007,5e-05,1.095,0.092259,0.005,False,,1.0,False,,,,0.03,0.0449,False,normal_rate,1.8,2.09,False,False,False,False,False,0.788,15.5,4.5,sub_standard_longevity,23.1,baseline,1.308,0.251,False,,False,,250000.0,9205.82,8076.55,8956.93,15624.86,False,0,2.91,-15.69
LI-2024-INS004-002335,2010-12-09,14,19,33,1991,male,never_smoker,24.2,75,193,VT,USA,married,graduate,white_collar,184874.18,0.6791,full_paramedical,107,63,157,56,2.8,104,5.6,False,77.1,,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred_plus,,,False,False,False,False,16,UW-225,0.65,annuity_immediate,250000,annual,460.51,,none,,,,False,none,worksite,False,False,False,0.001698,0.001129,SOA_2015_VBT,SOA_Scale_MP2023,0.671,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.002,0.005,False,normal_rate,5.21,2.23,False,False,False,False,False,0.853,70.0,55.0,super_preferred_longevity,100.0,baseline,0.991,0.488,False,,False,,250000.0,3917.84,3833.6,3684.08,874.97,False,0,4.24,24.49
LI-2024-INS004-002336,2017-02-16,8,45,53,1972,male,current_smoker,21.7,74,168,WY,USA,divorced,some_college,heavy_blue_collar,124731.03,0.2231,accelerated_UW,113,55,205,62,3.31,76,5.8,True,99.9,2.04,False,False,False,False,False,none,,none,mild_gold_1,schizophrenia,2,False,False,False,False,False,substandard_table_7,0.68,7.0,False,False,False,True,12,UW-373,2.75,term_life,500000,quarterly,5900.13,20.0,none,,,,False,none,direct_to_consumer,True,False,False,0.013626,0.076545,SOA_2015_VBT,SOA_Scale_MP2023,2.902,neurological,True,2017-05-20,True,True,1387677.83,0.0007,5e-05,1.095,0.023846,0.018,False,,1.0,False,,,,0.05,0.1065,False,normal_rate,4.23,0.59,False,False,False,False,False,0.912,45.1,37.1,preferred_longevity,71.5,baseline,1.333,0.38,False,,False,,500000.0,50399.26,44138.54,47201.04,11210.25,False,0,-0.23,-20.0
LI-2024-INS004-002337,2011-03-17,12,42,54,1969,male,never_smoker,27.0,63,152,OR,USA,married,high_school,light_blue_collar,72618.64,0.4629,accelerated_UW,136,82,216,57,3.79,98,4.8,False,77.5,3.98,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,11,UW-219,1.25,universal_life,500000,quarterly,2920.05,,10yr_declining,2992.31,,,False,none,independent_broker,True,False,False,0.007392,0.014273,SOA_2015_VBT,SOA_Scale_MP2023,1.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001848,0.015,False,,1.0,False,,,,0.04,0.0532,False,normal_rate,2.71,1.28,False,False,False,True,False,0.824,48.4,36.4,preferred_longevity,74.0,baseline,1.153,0.589,False,,False,,497007.69,21988.21,22068.37,23360.4,5548.1,False,0,2.89,8.67
LI-2024-INS004-002338,2004-01-13,23,47,70,1957,female,former_smoker,21.8,59,107,NJ,USA,married,high_school,professional,35197.79,0.6856,accelerated_UW,147,97,210,58,3.62,78,5.8,False,,,False,False,False,True,False,none,,none,none,depression,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,46,UW-454,2.5,term_life,1000000,monthly,14002.24,20.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.027362,0.111955,SOA_2015_VBT,SOA_Scale_MP2023,2.629,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041042,0.012,False,,1.0,False,,,,0.03,0.0484,False,normal_rate,2.02,2.58,False,False,False,False,False,0.948,46.3,23.3,standard_longevity,57.7,baseline,0.986,0.858,False,,False,,1000000.0,102553.16,112613.2,112017.92,26604.26,False,0,1.57,-20.0
LI-2024-INS004-002339,2008-11-15,2,69,71,1939,female,never_smoker,27.4,63,154,KY,USA,divorced,some_college,professional,60733.32,0.8463,limited_exam,122,73,193,56,3.45,88,5.5,False,81.6,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,52,UW-087,2.25,term_life,250000,monthly,3747.72,20.0,none,,,,False,none,employer_group,False,False,False,0.022206,0.073545,SOA_2015_VBT,SOA_Scale_MP2023,2.383,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027757,0.005,False,,1.0,False,,,,0.07,0.0859,False,normal_rate,5.07,2.94,False,False,False,False,False,0.986,21.6,19.6,standard_longevity,54.6,baseline,0.865,0.819,False,,False,,250000.0,28633.14,30040.76,29382.12,7240.6,False,0,1.4,-17.76
LI-2024-INS004-002340,2015-08-10,11,67,78,1948,female,never_smoker,25.0,69,169,WA,USA,married,bachelors,professional,78952.79,0.4081,full_paramedical,134,88,218,56,3.89,106,5.2,False,56.5,,False,True,False,True,True,other,10.0,none,none,none,3,False,False,False,False,True,declined,,,False,False,True,False,41,UW-313,7.0,term_life,500000,monthly,25267.8,25.0,none,,,,False,none,captive_agent,False,False,False,0.040662,0.601711,SOA_2015_VBT,SOA_Scale_MP2023,7.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.243969,0.008,False,,1.0,False,,,,0.03,0.0412,False,normal_rate,4.21,2.11,False,False,False,False,False,0.77,23.5,13.4,standard_longevity,38.7,baseline,1.194,0.465,True,56.2,False,,500000.0,145693.13,137958.08,135435.41,61350.22,False,0,-5.0,-20.0
LI-2024-INS004-002341,2017-11-17,7,28,35,1989,female,never_smoker,35.4,58,169,SC,USA,divorced,some_college,professional,21227.52,0.9236,full_paramedical,139,83,206,40,5.15,82,5.1,False,102.5,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-392,2.25,whole_life,100000,annual,568.11,,none,449.3,,,False,none,captive_agent,False,False,False,0.001517,0.004842,SOA_2015_VBT,SOA_Scale_MP2023,2.405,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.02,False,,1.0,False,,,,0.02,0.0192,False,normal_rate,3.74,1.94,False,False,False,False,False,0.972,70.0,55.0,super_preferred_longevity,100.0,baseline,0.807,0.785,False,,False,,99550.7,4739.86,4284.63,4544.88,1079.41,False,0,2.4,-6.15
LI-2024-INS004-002342,2022-06-22,1,59,60,1963,male,former_smoker,28.5,60,146,IL,USA,divorced,less_than_hs,white_collar,69744.17,0.8657,full_paramedical,125,76,167,45,3.71,92,4.9,False,95.5,3.91,False,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-251,0.83,term_life,2000000,monthly,9374.92,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.015398,0.013061,SOA_2015_VBT,SOA_Scale_MP2023,0.769,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00299,1.0,False,,,,0.1,0.141,False,normal_rate,3.43,1.09,False,False,False,False,False,0.86,32.1,31.1,preferred_longevity,72.1,baseline,0.851,0.841,False,,False,,2000000.0,74320.59,69734.65,74999.36,17812.35,False,0,2.51,21.36
LI-2024-INS004-002343,2022-10-08,4,71,75,1951,female,current_smoker,25.8,72,189,AR,USA,divorced,bachelors,heavy_blue_collar,89017.87,0.5507,accelerated_UW,130,83,237,37,6.41,107,5.2,True,,,False,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,1,False,False,False,False,False,substandard_table_7,1.12,7.0,False,False,False,True,13,UW-367,2.75,whole_life,500000,monthly,9006.52,,none,6582.73,,,False,none,independent_broker,False,False,False,0.060603,0.299652,SOA_2015_VBT,SOA_Scale_MP2023,2.903,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.106056,0.012,True,0.00236,1.0,False,,,,0.04,0.1945,False,normal_rate,2.79,1.42,False,False,False,True,False,0.766,20.8,17.6,standard_longevity,47.2,baseline,1.087,0.529,True,48.6,False,,493417.27,59734.09,56464.57,63405.9,18841.64,False,0,-2.67,-20.0
LI-2024-INS004-002344,2017-04-10,9,71,80,1946,female,former_smoker,18.4,64,107,SD,USA,divorced,bachelors,white_collar,115708.95,0.783,full_paramedical,156,104,249,46,5.41,74,5.7,False,55.5,,False,False,False,False,True,breast,13.7,none,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,False,37,UW-495,1.0,whole_life,250000,annual,1908.04,,none,1581.81,,,False,none,bank,False,False,False,0.061887,0.057052,SOA_2015_VBT,SOA_Scale_MP2023,1.01,cardiovascular,True,2023-05-12,False,False,1854809.68,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.02,0.0215,False,normal_rate,2.84,1.74,False,False,False,False,False,0.77,20.7,12.3,standard_longevity,42.7,baseline,0.913,0.784,True,49.5,False,,248418.19,10070.13,8647.86,9387.56,4800.63,False,0,3.05,20.92
LI-2024-INS004-002345,2020-04-10,5,57,62,1963,male,former_smoker,24.7,66,153,OH,USA,married,some_college,professional,54312.39,0.3767,accelerated_UW,126,84,199,60,3.32,112,,False,84.9,1.24,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,True,13,UW-020,1.0,whole_life,1000000,quarterly,5304.35,,none,3740.83,,,True,quota_share,employer_group,True,False,False,0.018266,0.027868,SOA_2015_VBT,SOA_Scale_MP2023,1.094,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00354,1.0,False,,,,0.04,0.0671,False,normal_rate,4.79,1.79,False,False,False,False,False,0.991,32.2,26.5,standard_longevity,57.9,baseline,1.217,0.502,True,24.0,True,-0.002,996259.17,46265.0,44209.23,42434.8,10078.27,False,0,2.63,22.28
LI-2024-INS004-002346,2019-02-01,8,26,34,1993,non_binary,never_smoker,33.1,75,264,MD,USA,divorced,some_college,white_collar,24383.33,0.4644,limited_exam,147,79,210,48,4.38,77,9.4,False,84.1,,False,True,False,False,False,none,,type_2,none,none,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,30,UW-360,3.0,whole_life,1000000,monthly,7661.7,,none,6200.13,,,True,facultative,captive_agent,False,False,False,0.001613,0.009296,SOA_2015_VBT,SOA_Scale_MP2023,3.267,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003226,0.022,False,,1.0,False,,,,0.02,0.0266,False,normal_rate,3.62,1.07,False,False,False,False,False,0.91,68.6,55.0,super_preferred_longevity,100.0,baseline,1.152,0.654,False,,False,,993799.87,66169.05,54032.34,61293.6,14557.23,False,0,-3.09,-20.0
LI-2024-INS004-002347,2024-06-06,1,50,51,1974,male,former_smoker,17.4,65,104,CO,USA,married,bachelors,professional,219105.27,0.6695,full_paramedical,119,68,194,66,2.94,82,5.6,False,92.8,3.6,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-169,1.25,term_life,250000,annual,1504.55,20.0,none,,,,False,none,independent_broker,False,False,False,0.007541,0.012466,SOA_2015_VBT,SOA_Scale_MP2023,1.406,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001885,0.018,False,,1.0,False,,,,0.1,0.1164,False,normal_rate,3.72,1.72,False,False,False,True,False,0.784,42.2,41.2,super_preferred_longevity,84.3,baseline,0.998,0.889,False,,False,,250000.0,13083.86,11469.98,12036.4,2858.64,False,0,2.24,8.57
LI-2024-INS004-002348,2010-09-26,8,61,69,1949,female,never_smoker,32.1,72,236,WI,USA,married,bachelors,white_collar,54098.57,0.9768,non_med_guaranteed,129,78,243,49,4.96,89,4.9,False,,,True,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,standard_plus,,,False,False,False,False,25,UW-413,0.91,term_life,250000,monthly,1489.52,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.018682,0.013606,SOA_2015_VBT,SOA_Scale_MP2023,0.949,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0643,False,normal_rate,2.77,1.6,True,False,False,False,False,0.93,31.9,23.9,preferred_longevity,63.0,baseline,0.767,1.0,False,,False,,250000.0,11908.91,10540.11,11916.16,2830.09,False,0,8.08,20.22
LI-2024-INS004-002349,2003-03-26,14,28,42,1975,male,never_smoker,36.1,76,296,NJ,USA,divorced,graduate,professional,314580.63,0.8403,limited_exam,108,71,198,37,5.35,115,4.4,False,,2.0,False,False,False,False,False,none,,none,none,anxiety,19,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-316,1.25,universal_life,500000,monthly,2510.84,,15yr_declining,2756.57,,,False,none,worksite,False,False,False,0.002957,0.004072,SOA_2015_VBT,SOA_Scale_MP2023,1.296,accident,True,2007-11-11,False,False,1579212.0,0.0007,5e-05,1.095,0.000739,0.018,False,,1.0,False,,,,0.04,0.0185,False,normal_rate,2.86,2.56,False,False,False,False,False,0.872,65.1,57.7,super_preferred_longevity,100.0,baseline,0.87,0.853,True,71.6,False,,497243.43,21218.98,19827.53,20086.72,4770.6,False,0,6.91,18.09
LI-2024-INS004-002350,2012-01-16,10,80,90,1932,female,never_smoker,19.3,62,105,NH,USA,widowed,high_school,light_blue_collar,54420.69,0.7542,limited_exam,125,81,184,39,4.72,75,5.3,False,69.8,,True,False,True,True,False,none,,none,none,depression,2,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-315,2.5,indexed_ul,500000,monthly,9994.35,,10yr_declining,9236.56,,,False,none,captive_agent,True,False,False,0.109988,0.440707,SOA_2015_VBT,SOA_Scale_MP2023,2.683,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.164982,0.005,False,,1.0,False,,,,0.06,0.0296,False,normal_rate,5.63,2.04,False,False,False,False,False,0.806,12.2,2.6,standard_longevity,37.7,baseline,0.934,0.718,True,84.9,False,,490763.44,11073.54,9607.46,10394.12,32901.4,False,0,1.63,-15.46
LI-2024-INS004-002351,2009-01-15,7,37,44,1972,male,former_smoker,36.3,76,298,NV,USA,married,high_school,white_collar,45681.81,0.2772,non_med_guaranteed,140,97,197,34,5.79,109,5.5,False,,3.13,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,,,False,True,False,False,22,UW-119,1.0,term_life,1000000,semi_annual,3912.2,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.004427,0.006172,SOA_2015_VBT,SOA_Scale_MP2023,1.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0739,False,normal_rate,1.77,0.79,False,False,False,False,False,0.801,53.3,46.3,super_preferred_longevity,86.1,baseline,1.292,0.33,False,,False,,1000000.0,28354.93,29005.38,31297.6,7433.18,False,0,2.35,11.72
LI-2024-INS004-002352,2016-04-07,10,33,43,1983,male,current_smoker,17.5,65,105,IN,USA,single,bachelors,white_collar,31369.45,0.7475,full_paramedical,113,64,195,56,3.48,117,,True,88.8,2.0,False,False,False,False,False,none,,none,none,depression,14,False,False,True,True,True,substandard_table_3,,3.0,False,False,False,False,43,UW-463,1.75,universal_life,1000000,quarterly,6354.8,,15yr_declining,5532.81,,,True,coinsurance,captive_agent,False,False,False,0.006342,0.015904,SOA_2015_VBT,SOA_Scale_MP2023,1.871,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004757,0.02,False,,1.0,False,,,,0.06,0.0298,False,normal_rate,2.74,1.06,False,False,False,False,False,0.905,61.0,51.0,super_preferred_longevity,100.0,baseline,0.939,0.803,False,,False,,994467.19,54008.52,45881.79,50838.4,12074.12,False,0,1.0,1.15
LI-2024-INS004-002353,2023-02-17,4,41,45,1982,female,never_smoker,21.7,71,155,CO,USA,married,graduate,white_collar,273444.07,0.583,full_paramedical,112,70,273,41,6.66,85,4.7,False,86.0,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-454,1.5,term_life,250000,monthly,1256.83,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.00293,0.006195,SOA_2015_VBT,SOA_Scale_MP2023,1.519,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001465,0.02,False,,1.0,False,,,,0.07,0.1209,False,normal_rate,3.2,2.31,False,False,False,False,False,0.76,59.2,58.6,super_preferred_longevity,100.0,baseline,1.063,0.507,True,53.7,False,,250000.0,10630.11,10255.64,10054.64,2387.98,False,0,3.21,6.61
LI-2024-INS004-002354,2016-11-06,5,47,52,1969,female,never_smoker,27.7,58,132,IA,USA,married,less_than_hs,professional,28621.88,0.8134,full_paramedical,119,70,172,45,3.82,81,,False,71.9,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-056,1.25,whole_life,2000000,monthly,10351.51,,none,7951.16,,,True,quota_share,direct_to_consumer,False,False,False,0.005027,0.007145,SOA_2015_VBT,SOA_Scale_MP2023,1.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001257,0.015,False,,1.0,False,,,,0.04,0.0588,False,normal_rate,2.05,2.16,False,False,False,False,False,0.77,48.8,43.8,super_preferred_longevity,90.4,baseline,0.89,0.821,False,,False,,1992048.84,79495.2,86361.0,82812.08,19667.87,False,0,5.41,21.05
LI-2024-INS004-002355,2015-11-08,7,48,55,1967,male,never_smoker,29.8,64,173,CA,USA,married,bachelors,professional,59100.63,0.554,full_paramedical,133,80,271,47,5.77,74,5.2,False,,6.54,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-027,1.25,term_life,500000,semi_annual,2861.94,20.0,none,,,,False,none,independent_broker,False,False,False,0.008025,0.014748,SOA_2015_VBT,SOA_Scale_MP2023,1.464,cardiovascular,True,2018-05-27,False,False,1886717.73,0.0007,5e-05,1.095,0.002006,0.015,False,,1.0,True,2025-07-26,non_payment,7.0,0.05,0.0628,False,normal_rate,2.3,1.12,False,False,False,False,False,0.915,42.5,35.8,preferred_longevity,74.5,baseline,1.085,0.48,True,35.8,False,,500000.0,23106.29,20984.95,22895.52,5437.69,False,0,3.73,7.13
LI-2024-INS004-002356,2005-04-10,22,33,55,1972,male,never_smoker,25.2,74,196,WI,USA,single,graduate,heavy_blue_collar,30944.04,0.4885,simplified_issue,141,85,199,57,3.49,83,,False,,1.42,False,True,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,0.59,5.0,False,False,False,False,11,UW-481,2.25,term_life,1000000,semi_annual,10980.23,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.008025,0.031148,SOA_2015_VBT,SOA_Scale_MP2023,2.321,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010032,0.018,False,,1.0,False,,,,0.03,0.0393,False,normal_rate,2.77,2.06,False,False,False,False,False,0.791,58.2,36.2,preferred_longevity,74.1,baseline,1.134,0.464,False,,False,,1000000.0,86136.75,83512.03,87841.84,20862.44,False,0,2.08,-20.0
LI-2024-INS004-002357,2022-07-15,1,20,21,2002,female,former_smoker,31.2,64,181,IL,USA,divorced,some_college,hazardous,51655.14,0.758,full_paramedical,127,81,205,59,3.47,98,,False,,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,3.38,1.0,True,False,False,False,19,UW-201,1.25,whole_life,1000000,quarterly,2291.58,,none,1340.01,,,True,none,captive_agent,False,True,False,0.001077,0.003724,SOA_2015_VBT,SOA_Scale_MP2023,1.306,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000269,0.012,True,0.00214,1.0,False,,,,0.06,0.0656,False,normal_rate,1.85,2.14,False,False,False,False,False,0.803,70.0,68.8,super_preferred_longevity,100.0,baseline,0.931,0.966,True,100.0,False,,998659.99,19375.01,16778.51,18332.64,4354.0,False,0,2.55,7.42
LI-2024-INS004-002358,2023-06-07,2,72,74,1951,female,never_smoker,25.6,60,131,DE,USA,married,graduate,light_blue_collar,168679.85,0.8234,full_paramedical,121,78,216,40,5.4,82,5.3,False,74.5,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-097,2.0,term_life,2000000,annual,24874.76,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.027767,0.079713,SOA_2015_VBT,SOA_Scale_MP2023,2.12,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027767,0.012,False,,1.0,True,2026-03-19,non_payment,2.0,0.07,0.0875,False,normal_rate,2.55,2.19,False,False,False,True,False,0.887,20.9,18.9,standard_longevity,53.2,baseline,0.882,0.746,False,,False,,2000000.0,176727.65,172490.74,188053.19,49451.02,False,0,2.63,-16.4
LI-2024-INS004-002359,2010-10-02,8,55,63,1955,male,former_smoker,32.7,69,221,CA,USA,single,less_than_hs,professional,124660.49,0.6132,full_paramedical,135,81,199,43,4.63,106,9.7,False,87.2,2.13,False,False,False,False,False,none,,type_2,none,anxiety,4,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,24,UW-168,3.0,term_life,1000000,semi_annual,16460.94,15.0,none,,,,True,none,captive_agent,False,False,False,0.018183,0.100384,SOA_2015_VBT,SOA_Scale_MP2023,3.385,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036366,0.012,False,,1.0,False,,,,0.05,0.0605,False,normal_rate,4.14,0.57,False,False,False,True,False,0.945,33.7,26.4,preferred_longevity,61.3,baseline,1.04,0.682,True,42.4,False,,1000000.0,138922.37,128238.32,131687.52,31275.79,False,0,-2.35,-20.0
LI-2024-INS004-002360,2002-09-27,9,38,47,1964,male,current_smoker,22.2,62,121,TX,USA,married,less_than_hs,light_blue_collar,118105.63,0.5707,limited_exam,120,74,176,47,3.74,90,,True,,5.11,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,20,UW-161,2.75,whole_life,1000000,semi_annual,9370.83,,none,7964.01,2285.67,0.287,True,facultative,independent_broker,True,False,False,0.008374,0.039897,SOA_2015_VBT,SOA_Scale_MP2023,2.812,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014655,0.015,False,,1.0,False,,,,0.02,0.0149,False,normal_rate,5.03,1.2,False,False,False,False,False,0.981,52.1,43.1,super_preferred_longevity,85.7,baseline,1.072,0.444,False,,False,,992035.99,69964.04,64796.23,74966.64,17804.58,False,0,1.37,-20.0
LI-2024-INS004-002361,2024-08-12,3,28,31,1996,female,never_smoker,33.5,67,214,WA,USA,married,graduate,white_collar,20000.0,0.8207,full_paramedical,130,81,203,46,4.41,118,4.8,False,71.3,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard,,,False,False,False,False,28,UW-051,1.04,indexed_ul,100000,monthly,306.42,,15yr_declining,194.47,,,False,none,independent_broker,True,False,False,0.001226,0.001159,SOA_2015_VBT,SOA_Scale_MP2023,1.024,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,4.9e-05,0.022,False,,1.0,False,,,,0.08,0.0376,False,normal_rate,4.35,1.24,False,False,False,False,True,0.951,70.0,55.0,super_preferred_longevity,100.0,baseline,0.884,0.884,False,,False,,99805.53,2487.73,2099.94,2451.36,582.2,False,0,2.3,18.78
LI-2024-INS004-002362,2014-06-26,3,58,61,1956,male,current_smoker,33.2,75,265,NE,USA,divorced,some_college,white_collar,20000.0,0.7104,full_paramedical,155,98,173,46,3.76,130,5.7,True,,4.0,False,False,True,False,False,none,,none,moderate_gold_2,depression,1,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,10,UW-028,2.5,term_life,500000,annual,6384.65,20.0,none,,,,False,none,captive_agent,False,False,False,0.023851,0.096654,SOA_2015_VBT,SOA_Scale_MP2023,2.639,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035776,0.012,False,,1.0,False,,,,0.07,0.0792,False,normal_rate,3.55,2.23,False,False,False,False,False,0.965,34.2,31.2,preferred_longevity,80.0,baseline,0.967,0.696,False,,False,,500000.0,48492.83,48393.38,51077.2,12130.83,False,0,-4.34,-16.83
LI-2024-INS004-002363,2014-03-22,11,71,82,1943,female,never_smoker,37.6,66,232,SD,USA,married,bachelors,professional,81854.56,0.4243,simplified_issue,155,96,252,45,5.6,118,5.7,False,84.3,,False,False,False,False,False,none,,pre_diabetes,none,none,5,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,25,UW-310,1.5,term_life,1000000,annual,11370.38,30.0,none,,,,True,none,independent_broker,False,False,False,0.055244,0.140893,SOA_2015_VBT,SOA_Scale_MP2023,1.735,cancer,True,2018-06-02,False,False,568963.42,0.0007,5e-05,1.095,0.027622,0.008,False,,1.0,False,,,,0.03,0.0408,False,normal_rate,3.57,1.38,False,False,False,False,False,0.906,18.8,8.1,sub_standard_longevity,31.0,baseline,1.182,0.572,True,45.7,False,,1000000.0,35066.38,31660.59,36840.03,32428.32,False,0,3.41,9.39
LI-2024-INS004-002364,2009-06-18,1,25,26,1984,female,never_smoker,31.8,71,227,ND,USA,married,high_school,white_collar,75616.54,0.3655,full_paramedical,105,68,199,39,5.1,99,4.7,False,86.0,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-411,1.25,group_life,500000,quarterly,1492.59,,none,,,,False,none,direct_to_consumer,False,False,False,0.000983,0.002008,SOA_2015_VBT,SOA_Scale_MP2023,1.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000246,0.02,False,,1.0,False,,,,0.18,0.3547,False,normal_rate,3.84,1.73,False,False,False,False,False,0.974,70.0,52.9,super_preferred_longevity,97.3,baseline,1.226,0.403,True,20.2,False,,500000.0,13048.9,10532.05,11940.72,2835.92,False,0,3.63,16.62
LI-2024-INS004-002365,2000-10-23,17,34,51,1966,female,current_smoker,29.0,63,163,MD,USA,married,some_college,heavy_blue_collar,46461.3,0.6544,limited_exam,137,87,187,60,3.12,105,,True,,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_7,1.37,7.0,False,False,False,False,7,UW-292,2.75,term_life,1000000,quarterly,13310.78,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.009282,0.043323,SOA_2015_VBT,SOA_Scale_MP2023,2.891,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016243,0.015,False,,1.0,False,,,,0.03,0.0353,False,normal_rate,2.16,2.68,False,False,False,False,False,0.811,60.7,43.7,super_preferred_longevity,87.9,baseline,1.009,0.815,False,,False,,1000000.0,103591.3,103904.12,106486.24,25290.48,False,0,-0.16,-20.0
LI-2024-INS004-002366,2019-01-02,2,19,21,2000,female,current_smoker,29.1,69,197,MO,USA,married,some_college,white_collar,30893.16,0.9434,non_med_guaranteed,91,50,195,62,3.15,113,5.2,True,101.0,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-316,1.5,annuity_deferred,100000,quarterly,243.22,,none,149.42,,,False,none,direct_to_consumer,False,False,False,0.001657,0.002813,SOA_2015_VBT,SOA_Scale_MP2023,1.511,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000829,0.012,False,,1.0,False,,,,0.04,0.0529,False,normal_rate,4.88,2.35,False,False,False,False,False,0.805,70.0,55.0,super_preferred_longevity,100.0,baseline,0.792,0.742,False,,False,,99850.58,1937.83,2027.38,1945.76,462.12,False,0,0.26,13.01
LI-2024-INS004-002367,2007-01-25,7,70,77,1937,female,never_smoker,23.0,72,169,KY,USA,widowed,some_college,light_blue_collar,104472.77,0.8183,simplified_issue,130,81,277,51,5.43,84,5.3,False,69.3,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-136,1.25,universal_life,2000000,monthly,16744.08,,10yr_declining,13225.83,,,True,none,employer_group,False,False,False,0.037128,0.056436,SOA_2015_VBT,SOA_Scale_MP2023,1.433,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009282,0.005,False,,1.0,False,,,,0.06,0.0339,False,normal_rate,4.45,1.56,False,True,False,False,False,0.854,20.2,14.7,standard_longevity,46.8,baseline,0.886,0.938,True,67.2,False,,1986774.17,98271.67,89987.18,98455.19,38913.24,False,0,2.16,7.82
LI-2024-INS004-002368,2009-11-12,13,26,39,1983,female,current_smoker,42.5,71,304,ME,USA,married,bachelors,light_blue_collar,93951.17,0.5315,non_med_guaranteed,113,73,235,27,8.7,103,5.0,True,73.2,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,3,UW-066,2.5,term_life,250000,annual,1780.16,30.0,none,,,,False,none,bank,False,False,False,0.003871,0.016568,SOA_2015_VBT,SOA_Scale_MP2023,2.524,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005807,0.02,False,,1.0,True,2026-01-06,non_payment,13.0,0.03,0.0382,False,normal_rate,1.8,1.55,False,False,False,False,False,0.831,70.0,55.0,super_preferred_longevity,100.0,baseline,1.101,0.646,False,,False,,250000.0,12993.2,14316.4,14241.28,3382.3,False,0,2.12,-20.0
LI-2024-INS004-002369,2013-09-27,7,27,34,1986,female,never_smoker,20.7,63,117,FL,USA,married,some_college,light_blue_collar,20000.0,0.7172,limited_exam,126,72,163,42,3.88,60,4.3,False,120.0,,True,False,True,False,False,none,,none,none,none,6,False,False,True,False,True,preferred_plus,,,False,False,False,False,38,UW-439,0.59,universal_life,100000,annual,155.8,,10yr_declining,127.46,,,True,none,independent_broker,False,False,False,0.001434,0.000905,SOA_2015_VBT,SOA_Scale_MP2023,0.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.0304,False,normal_rate,1.85,0.79,False,False,False,False,False,0.881,70.0,55.0,super_preferred_longevity,100.0,baseline,0.962,0.712,False,,False,,99872.54,1331.01,1193.54,1246.4,296.02,False,0,7.62,26.68
LI-2024-INS004-002370,2014-06-05,3,66,69,1948,male,never_smoker,24.3,63,137,ND,USA,married,high_school,light_blue_collar,27856.54,0.7765,full_paramedical,147,87,188,54,3.48,87,4.9,False,75.3,12.29,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-071,1.5,annuity_deferred,250000,annual,2460.37,,none,1686.47,,,False,none,bank,False,False,False,0.023166,0.043555,SOA_2015_VBT,SOA_Scale_MP2023,1.504,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011583,0.008,False,,1.0,False,,,,0.04,0.0432,False,normal_rate,3.23,1.86,False,False,False,False,False,0.953,21.9,18.9,standard_longevity,52.5,baseline,0.918,0.833,False,,False,,248313.53,16828.93,17999.57,18600.4,4891.22,False,0,3.01,8.96
LI-2024-INS004-002371,2002-11-25,17,46,63,1956,female,never_smoker,39.0,72,287,WV,USA,married,some_college,light_blue_collar,72976.77,0.6296,limited_exam,122,66,232,47,4.94,98,4.5,False,65.0,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-110,1.5,term_life,500000,monthly,3639.22,20.0,none,,,,False,none,independent_broker,False,False,False,0.011325,0.024508,SOA_2015_VBT,SOA_Scale_MP2023,1.619,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005663,0.012,False,,1.0,False,,,,0.03,0.0359,False,normal_rate,5.47,2.8,False,False,False,False,False,0.956,46.9,29.9,preferred_longevity,66.8,baseline,1.028,0.507,False,,False,,500000.0,27250.27,30490.64,29113.76,6914.52,False,0,1.12,11.77
LI-2024-INS004-002372,2004-09-01,5,49,54,1955,male,never_smoker,33.0,63,186,VT,USA,married,bachelors,heavy_blue_collar,141940.18,0.71,accelerated_UW,156,104,210,39,5.38,110,5.7,False,80.9,1.86,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,0.99,4.0,False,False,False,True,14,UW-116,2.0,whole_life,250000,monthly,2437.09,,none,1834.71,,,False,none,direct_to_consumer,True,True,False,0.006551,0.019621,SOA_2015_VBT,SOA_Scale_MP2023,2.062,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006551,0.012,False,,1.0,False,,,,0.04,0.0634,False,normal_rate,1.78,0.68,False,False,False,False,False,0.767,40.1,35.1,preferred_longevity,75.8,baseline,0.968,0.622,False,,False,,248165.29,20426.49,17069.33,19496.72,4630.47,False,0,0.54,-8.81
LI-2024-INS004-002373,2007-11-02,18,67,85,1940,male,never_smoker,20.2,69,136,KS,USA,married,bachelors,professional,37542.07,0.5024,accelerated_UW,138,87,207,60,3.45,104,,False,61.5,5.97,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,26,UW-463,1.25,universal_life,1000000,monthly,8702.17,,15yr_declining,11138.3,,,True,facultative,captive_agent,False,False,False,0.087182,0.168484,SOA_2015_VBT,SOA_Scale_MP2023,1.498,cancer,True,2020-09-04,False,False,1660893.16,0.0007,5e-05,1.095,0.021796,0.008,False,,1.0,False,,,,0.04,0.0519,False,normal_rate,2.5,2.17,False,False,False,False,False,0.786,18.6,1.0,sub_standard_longevity,21.5,baseline,1.123,0.38,False,,False,,988861.7,3616.32,3531.61,3480.87,29761.42,False,0,4.99,15.05
LI-2024-INS004-002374,2021-10-08,4,70,74,1951,female,never_smoker,24.3,71,174,AL,USA,married,high_school,heavy_blue_collar,89240.75,0.3346,non_med_guaranteed,121,81,173,52,3.33,65,4.8,False,57.7,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,1.07,,False,False,False,False,18,UW-398,0.63,annuity_deferred,2000000,annual,8835.61,,none,6076.01,,,True,coinsurance,independent_broker,False,False,False,0.027767,0.021572,SOA_2015_VBT,SOA_Scale_MP2023,0.622,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.0,1.0,False,,,,0.04,0.0573,False,normal_rate,3.21,2.2,False,False,False,False,False,0.994,20.9,16.9,standard_longevity,42.9,baseline,1.249,0.293,False,,False,,1993923.99,64727.56,54567.15,59728.72,18978.89,False,0,3.23,24.63
LI-2024-INS004-002375,2009-04-19,4,41,45,1968,female,current_smoker,27.8,62,152,VT,USA,married,bachelors,white_collar,54820.47,0.6886,full_paramedical,132,81,242,51,4.75,92,5.2,True,89.5,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-473,1.5,whole_life,250000,annual,1602.92,,none,1146.98,,,False,none,independent_broker,False,False,False,0.00586,0.012041,SOA_2015_VBT,SOA_Scale_MP2023,1.581,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00293,0.015,False,,1.0,False,,,,0.04,0.046,False,normal_rate,2.4,2.63,False,False,False,False,False,0.991,54.2,50.2,super_preferred_longevity,98.1,baseline,0.984,0.585,False,,False,,248853.02,11866.48,11735.05,12823.36,3045.55,False,0,0.56,3.69
LI-2024-INS004-002376,2005-09-05,21,79,100,1926,male,never_smoker,34.5,66,213,CT,USA,married,graduate,heavy_blue_collar,207684.42,0.6547,full_paramedical,149,94,253,64,3.95,119,5.6,False,,19.1,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,0.76,2.0,False,False,False,False,16,UW-497,1.5,whole_life,250000,monthly,3301.68,,none,4713.82,,,False,none,captive_agent,False,False,False,0.221327,0.489179,SOA_2015_VBT,SOA_Scale_MP2023,1.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.110663,0.012,False,,1.0,False,,,,0.015,0.0176,False,normal_rate,1.53,1.85,False,False,False,False,False,0.91,5.5,1.0,sub_standard_longevity,23.8,baseline,1.009,0.593,False,,False,,245286.18,1339.35,1203.18,1320.67,11291.75,False,0,2.44,13.47
LI-2024-INS004-002377,2021-09-04,1,27,28,1994,male,never_smoker,20.2,60,103,PA,USA,single,some_college,heavy_blue_collar,87208.85,0.8251,limited_exam,122,79,197,27,7.3,69,5.3,False,98.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,14,False,False,False,False,False,substandard_table_5,1.09,5.0,False,False,False,False,3,UW-110,2.25,whole_life,250000,annual,1479.94,,none,969.04,,,False,none,captive_agent,False,False,False,0.001334,0.008674,SOA_2015_VBT,SOA_Scale_MP2023,2.453,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001667,0.022,True,0.00412,1.0,False,,,,0.06,0.0624,False,normal_rate,1.44,0.85,False,False,False,False,False,0.92,69.2,55.0,super_preferred_longevity,100.0,baseline,0.881,0.838,False,,False,,249030.96,11422.67,11291.85,11839.52,2811.89,False,0,5.76,-5.41
LI-2024-INS004-002378,2015-04-20,12,65,77,1950,male,never_smoker,20.6,76,168,NH,USA,widowed,less_than_hs,heavy_blue_collar,24281.35,0.8432,non_med_guaranteed,149,88,180,56,3.21,91,,False,,4.71,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,1.02,4.0,False,False,False,False,14,UW-162,2.0,term_life,500000,quarterly,7018.41,15.0,none,,,,False,none,captive_agent,False,False,False,0.044558,0.124194,SOA_2015_VBT,SOA_Scale_MP2023,2.06,cancer,True,2019-12-11,False,False,1531651.6,0.0007,5e-05,1.095,0.044558,0.012,False,,1.0,False,,,,0.03,0.0308,False,normal_rate,4.64,2.21,False,False,False,False,False,0.983,23.8,12.8,standard_longevity,44.3,baseline,0.868,0.822,True,58.6,False,,500000.0,37406.52,36174.92,35934.26,17377.58,False,0,0.61,-7.5
LI-2024-INS004-002379,2006-03-25,2,66,68,1940,male,never_smoker,34.1,70,237,RI,USA,married,high_school,professional,30631.01,0.3055,full_paramedical,116,73,257,28,9.18,114,5.7,False,,7.1,False,False,False,False,False,none,,none,none,none,9,False,False,True,False,True,substandard_table_3,,3.0,False,False,False,False,41,UW-180,1.75,universal_life,500000,annual,5126.37,,10yr_declining,3508.38,,,False,none,captive_agent,False,False,False,0.019911,0.064708,SOA_2015_VBT,SOA_Scale_MP2023,1.967,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014933,0.008,False,,1.0,False,,,,0.08,0.0524,False,normal_rate,3.73,2.5,False,False,False,False,False,0.873,18.9,16.9,standard_longevity,42.4,baseline,1.271,0.219,False,,False,,496491.62,32480.68,32075.64,34654.26,11011.44,False,0,0.56,-10.73
LI-2024-INS004-002380,2009-09-13,17,80,97,1929,female,current_smoker,29.8,71,213,PA,USA,married,high_school,white_collar,23337.16,0.4045,limited_exam,164,95,256,40,6.4,92,,True,62.0,,True,False,False,True,True,lung,18.7,none,none,bipolar,2,False,False,False,False,True,declined,,,False,False,True,False,26,UW-216,7.0,indexed_ul,500000,monthly,27822.3,,15yr_declining,35029.69,,,False,none,bank,False,False,False,0.293779,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,6.69,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.04,0.0551,False,normal_rate,4.49,2.14,False,False,False,False,False,0.841,7.9,1.2,sub_standard_longevity,20.4,baseline,1.197,0.431,True,83.7,False,,464970.31,12480.79,13328.57,13354.7,94707.11,False,0,-5.0,-20.0
LI-2024-INS004-002381,2007-12-09,7,38,45,1969,female,never_smoker,25.0,68,164,NC,USA,single,bachelors,professional,47563.83,0.5925,simplified_issue,145,76,212,52,4.08,86,,False,91.0,,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,20,UW-391,2.25,term_life,2000000,quarterly,15186.14,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.00293,0.010998,SOA_2015_VBT,SOA_Scale_MP2023,2.372,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.015,False,,1.0,True,2025-05-27,unknown,7.0,0.05,0.0736,False,normal_rate,1.93,2.3,False,False,False,False,False,0.981,56.9,49.9,super_preferred_longevity,96.2,baseline,1.056,0.534,True,33.1,False,,2000000.0,117120.19,106529.21,121489.12,28853.67,False,0,7.39,-7.67
LI-2024-INS004-002382,2005-10-13,3,65,68,1940,male,never_smoker,23.5,75,188,NJ,USA,single,bachelors,professional,29096.04,0.1975,non_med_guaranteed,146,94,222,51,4.35,84,5.4,False,81.1,5.81,True,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,46,UW-276,1.5,group_life,500000,monthly,4707.9,,none,,,,False,none,independent_broker,False,False,False,0.019911,0.052431,SOA_2015_VBT,SOA_Scale_MP2023,1.578,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009956,0.008,False,,1.0,True,2025-12-28,non_payment,3.0,0.15,0.3238,False,normal_rate,1.62,0.59,False,False,False,False,False,0.87,19.4,16.4,standard_longevity,40.1,baseline,1.352,0.243,False,,False,,500000.0,28713.46,30628.65,30883.82,10300.89,False,0,3.65,5.88
LI-2024-INS004-002383,2024-02-21,2,27,29,1997,female,former_smoker,20.9,66,129,MT,USA,single,high_school,light_blue_collar,20000.0,0.6446,full_paramedical,99,59,196,50,3.92,97,5.5,False,114.0,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,standard,,,False,True,False,False,35,UW-075,1.0,term_life,5000000,monthly,11128.71,10.0,none,,,,True,quota_share,captive_agent,False,False,False,0.00145,0.00162,SOA_2015_VBT,SOA_Scale_MP2023,1.099,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0829,False,normal_rate,2.8,1.53,False,False,False,False,False,0.935,70.0,55.0,super_preferred_longevity,100.0,baseline,1.017,0.565,False,,False,,5000000.0,86137.34,92031.53,89029.68,21144.55,False,0,5.52,18.96
LI-2024-INS004-002384,2012-03-20,8,27,35,1985,male,never_smoker,32.4,67,207,MD,USA,divorced,bachelors,professional,105443.7,0.7589,full_paramedical,130,85,205,39,5.26,99,4.9,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,19,UW-273,1.25,universal_life,1000000,monthly,4005.54,,10yr_declining,3253.93,,,True,excess_of_loss,employer_group,False,False,False,0.001896,0.00295,SOA_2015_VBT,SOA_Scale_MP2023,1.403,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.02,False,,1.0,False,,,,0.06,0.0354,False,normal_rate,4.63,0.69,True,True,False,False,False,0.851,67.4,60.5,super_preferred_longevity,100.0,baseline,0.931,0.703,True,63.7,False,,996746.07,30290.03,28167.78,32044.32,7610.53,False,0,5.01,10.18
LI-2024-INS004-002385,2016-08-26,3,39,42,1977,male,never_smoker,21.0,69,142,FL,USA,married,high_school,professional,43800.87,0.3023,full_paramedical,118,71,204,65,3.14,81,5.3,False,100.7,0.71,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-384,2.25,annuity_deferred,1000000,quarterly,8847.78,,none,6013.18,,,True,none,employer_group,False,False,False,0.002957,0.012375,SOA_2015_VBT,SOA_Scale_MP2023,2.305,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003696,0.018,False,,1.0,False,,,,0.04,0.07,False,normal_rate,2.09,1.37,True,False,False,False,False,0.806,52.2,49.2,super_preferred_longevity,90.8,baseline,1.273,0.166,False,,False,,993986.82,70923.51,67902.17,70782.24,16810.78,False,0,0.96,-20.0
LI-2024-INS004-002386,2005-09-26,9,18,27,1987,female,never_smoker,39.2,68,257,GA,USA,single,bachelors,white_collar,20000.0,0.6285,accelerated_UW,116,60,198,34,5.82,75,5.3,False,82.3,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,30,UW-461,2.25,indexed_ul,500000,monthly,2573.82,,10yr_declining,2285.6,,,False,none,independent_broker,True,False,False,0.001023,0.003903,SOA_2015_VBT,SOA_Scale_MP2023,2.494,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001279,0.02,False,,1.0,False,,,,0.06,0.0323,False,normal_rate,3.4,1.02,False,False,False,False,False,0.804,70.0,55.0,super_preferred_longevity,100.0,baseline,1.029,0.478,False,,False,,497714.4,19130.18,19101.01,20590.56,4890.26,False,0,4.53,-18.01
LI-2024-INS004-002387,2016-12-19,4,76,80,1940,male,never_smoker,29.4,67,187,LA,USA,widowed,graduate,white_collar,34229.94,0.4256,full_paramedical,139,92,266,57,4.67,96,,False,53.7,5.61,True,False,False,False,False,none,,none,none,depression,15,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-390,1.25,term_life,1000000,semi_annual,7504.02,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.056707,0.109862,SOA_2015_VBT,SOA_Scale_MP2023,1.429,other,True,2018-11-21,True,False,186337.82,0.0007,5e-05,1.095,0.014177,0.008,False,,1.0,True,2025-11-30,voluntary_surrender,4.0,0.07,0.0952,False,normal_rate,1.81,2.32,False,False,False,False,False,0.921,9.3,5.3,sub_standard_longevity,26.8,baseline,1.181,0.397,False,,False,,1000000.0,14416.26,13527.7,15908.52,23082.37,False,0,-0.13,16.36
LI-2024-INS004-002388,2015-12-19,2,57,59,1958,male,never_smoker,40.0,69,270,CO,USA,married,bachelors,professional,70405.81,0.4159,full_paramedical,132,83,245,38,6.45,118,5.5,False,82.6,1.91,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,16,UW-484,1.0,group_life,1000000,annual,5197.24,,none,,,,True,coinsurance,independent_broker,False,False,False,0.010306,0.013456,SOA_2015_VBT,SOA_Scale_MP2023,1.099,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.15,0.2051,False,normal_rate,4.99,1.98,False,False,False,False,False,0.913,31.3,33.2,preferred_longevity,68.5,baseline,1.188,0.398,True,72.3,False,,1000000.0,42094.01,36964.93,41577.92,9874.76,False,0,5.53,17.32
LI-2024-INS004-002389,2012-11-01,7,32,39,1980,male,never_smoker,30.4,73,230,OH,USA,married,bachelors,light_blue_collar,223796.13,0.574,limited_exam,143,95,248,36,6.89,105,,False,82.4,,False,False,False,False,True,melanoma,11.5,none,none,bipolar,0,False,True,False,False,True,substandard_table_4,,4.0,False,False,False,False,32,UW-448,2.0,universal_life,5000000,monthly,36640.75,,10yr_declining,30232.55,,,True,excess_of_loss,worksite,False,False,False,0.002419,0.007825,SOA_2015_VBT,SOA_Scale_MP2023,2.089,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.02,False,,1.0,False,,,,0.06,0.0335,False,normal_rate,3.38,2.07,False,False,False,False,False,0.793,60.9,53.9,super_preferred_longevity,100.0,baseline,1.07,0.418,False,,False,,4969767.45,308640.63,295033.84,293126.0,69617.42,False,0,1.29,-9.12
LI-2024-INS004-002390,2006-07-13,4,65,69,1941,male,never_smoker,29.7,75,237,AR,USA,single,high_school,white_collar,109088.38,0.9451,full_paramedical,131,86,226,28,8.07,115,,False,85.1,4.83,False,False,False,False,False,none,,none,none,bipolar,0,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,8,UW-379,2.0,universal_life,100000,semi_annual,1271.95,,10yr_declining,859.84,,,False,none,captive_agent,False,False,False,0.0219,0.060676,SOA_2015_VBT,SOA_Scale_MP2023,2.238,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0219,0.008,False,,1.0,False,,,,0.08,0.034,False,normal_rate,3.7,1.31,False,False,False,False,False,0.923,22.6,18.6,standard_longevity,54.6,baseline,0.791,0.993,False,,False,,99140.16,10046.52,8220.87,9463.31,2559.16,False,0,5.97,1.63
LI-2024-INS004-002391,2023-03-01,4,23,27,2000,male,current_smoker,30.6,67,195,SC,USA,married,high_school,white_collar,65940.45,0.6201,full_paramedical,119,77,174,40,4.35,80,,True,66.4,,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-039,1.5,universal_life,1000000,annual,2993.39,,15yr_declining,2185.67,,,True,none,independent_broker,False,False,False,0.002558,0.005273,SOA_2015_VBT,SOA_Scale_MP2023,1.509,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001279,0.012,False,,1.0,False,,,,0.08,0.0433,False,normal_rate,1.92,0.66,True,False,False,False,False,0.763,70.0,55.0,super_preferred_longevity,100.0,baseline,1.035,0.675,False,,False,,997814.33,22775.34,20528.6,23947.12,5687.44,False,0,-0.08,8.21
LI-2024-INS004-002392,2011-04-01,2,76,78,1935,male,current_smoker,28.2,61,149,SD,USA,married,high_school,professional,39057.73,0.5707,full_paramedical,151,112,278,40,6.95,97,5.1,True,72.7,10.7,False,False,False,False,False,none,,none,moderate_gold_2,depression,5,False,False,False,False,False,substandard_table_8,,8.0,False,False,False,False,30,UW-047,3.0,term_life,500000,semi_annual,11083.73,25.0,none,,,,False,none,employer_group,False,False,False,0.100258,0.542604,SOA_2015_VBT,SOA_Scale_MP2023,3.183,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.200515,0.005,False,,1.0,False,,,,0.07,0.1044,False,normal_rate,3.34,2.03,False,False,False,False,False,0.762,8.9,6.9,sub_standard_longevity,31.4,baseline,1.072,0.632,False,,False,,500000.0,30818.9,28375.79,30591.09,32674.84,False,0,-2.25,-20.0
LI-2024-INS004-002393,2013-05-14,13,65,78,1948,male,never_smoker,35.5,72,261,NM,USA,single,high_school,professional,24795.44,0.6407,full_paramedical,134,75,250,28,8.93,95,5.3,False,66.9,4.84,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,24,UW-047,1.75,annuity_deferred,1000000,quarterly,11343.17,,none,11666.36,2904.92,0.249,True,none,independent_broker,False,False,False,0.050827,0.130354,SOA_2015_VBT,SOA_Scale_MP2023,1.78,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03812,0.008,False,,1.0,False,,,,0.01,0.0071,False,normal_rate,3.09,2.63,False,False,False,False,False,0.873,22.4,9.7,standard_longevity,36.7,baseline,1.019,0.755,True,45.1,False,,988333.64,46143.63,41624.29,44011.5,30898.79,False,0,3.33,-2.04
LI-2024-INS004-002394,2022-05-09,1,31,32,1991,male,never_smoker,21.4,64,124,GA,USA,married,some_college,white_collar,68533.15,0.7967,simplified_issue,120,72,230,56,4.11,85,,False,107.8,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,22,UW-219,0.6,universal_life,250000,monthly,382.55,,10yr_declining,237.9,,,False,none,captive_agent,False,False,False,0.001611,0.004517,SOA_2015_VBT,SOA_Scale_MP2023,0.669,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00354,1.0,False,,,,0.12,0.0574,False,normal_rate,2.88,1.86,False,False,False,False,False,0.806,64.6,55.0,super_preferred_longevity,100.0,baseline,0.902,0.593,False,,False,,249762.1,3224.02,2632.01,3060.4,726.84,False,0,5.02,25.27
LI-2024-INS004-002395,2003-03-20,7,70,77,1933,female,never_smoker,38.9,63,219,UT,USA,married,high_school,white_collar,58832.1,0.8946,full_paramedical,151,88,256,36,7.11,136,6.4,False,43.9,,False,False,False,False,False,none,,pre_diabetes,none,none,13,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,22,UW-434,1.5,whole_life,2000000,monthly,19011.14,,none,14997.13,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.036391,0.064115,SOA_2015_VBT,SOA_Scale_MP2023,1.522,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018196,0.005,False,,1.0,False,,,,0.02,0.0276,False,normal_rate,4.21,1.67,False,False,False,False,False,0.796,19.9,14.4,standard_longevity,47.5,baseline,0.829,0.97,True,68.2,False,,1985002.87,112579.2,113209.65,109504.17,44638.16,False,0,1.05,6.09
LI-2024-INS004-002396,2012-09-09,9,74,83,1938,female,never_smoker,28.4,65,170,TX,USA,married,bachelors,professional,48560.63,0.5764,full_paramedical,140,94,224,56,4.0,96,,False,69.2,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,7,UW-005,1.0,whole_life,100000,annual,713.1,,none,613.97,,,False,none,direct_to_consumer,True,False,False,0.062752,0.073365,SOA_2015_VBT,SOA_Scale_MP2023,1.095,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.02,0.0347,False,normal_rate,3.47,1.71,False,False,False,False,False,0.952,15.4,8.1,sub_standard_longevity,33.3,baseline,1.068,0.718,False,,True,1.15,99386.03,2539.67,2251.86,2310.44,2033.76,False,0,3.3,19.3
LI-2024-INS004-002397,2019-11-13,3,56,59,1963,female,never_smoker,35.5,62,194,NH,USA,single,some_college,light_blue_collar,55229.76,0.8129,non_med_guaranteed,147,97,276,45,6.13,100,5.6,False,84.5,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,16,UW-183,1.5,term_life,100000,monthly,768.33,25.0,none,,,,False,none,captive_agent,True,False,False,0.008705,0.016279,SOA_2015_VBT,SOA_Scale_MP2023,1.539,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004352,0.015,False,,1.0,False,,,,0.07,0.0735,False,normal_rate,1.34,1.33,False,False,False,False,True,0.794,38.9,35.9,preferred_longevity,78.5,baseline,0.89,0.693,False,,False,,100000.0,5562.59,6050.54,6146.64,1459.83,False,0,4.59,7.97
LI-2024-INS004-002398,2009-05-23,14,78,92,1931,female,never_smoker,26.2,66,162,GA,USA,single,bachelors,white_collar,47434.74,0.7061,accelerated_UW,172,107,215,52,4.13,109,,False,62.0,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,21,UW-496,2.0,term_life,250000,monthly,3758.74,10.0,none,,,,False,none,independent_broker,False,False,False,0.128926,0.398919,SOA_2015_VBT,SOA_Scale_MP2023,2.158,cancer,True,2010-11-06,True,True,486357.18,0.0007,5e-05,1.095,0.128926,0.005,False,,1.0,False,,,,0.03,0.0341,False,normal_rate,4.78,1.85,False,False,False,False,False,0.76,13.9,1.0,sub_standard_longevity,34.6,baseline,0.97,0.447,False,,False,,250000.0,1486.93,1576.95,1503.5,12854.89,False,0,-3.24,-4.13
LI-2024-INS004-002399,2017-01-03,5,19,24,1998,female,never_smoker,27.9,67,178,CA,USA,single,some_college,white_collar,39214.31,0.3347,simplified_issue,105,65,224,41,5.46,108,5.2,False,98.6,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-357,2.25,annuity_deferred,500000,monthly,1958.59,,none,1464.89,,,False,none,captive_agent,False,False,False,0.000913,0.003801,SOA_2015_VBT,SOA_Scale_MP2023,2.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001141,0.022,False,,1.0,False,,,,0.04,0.0573,False,normal_rate,3.08,1.87,False,False,False,False,False,0.894,70.0,55.0,super_preferred_longevity,100.0,baseline,1.249,0.41,False,,False,,498535.11,15211.15,13846.74,15668.72,3721.32,False,0,1.72,-18.0
LI-2024-INS004-002400,2000-10-02,4,77,81,1923,female,never_smoker,29.9,61,158,KY,USA,married,some_college,heavy_blue_collar,248022.44,0.759,full_paramedical,149,86,246,27,9.11,74,,False,,,True,False,False,False,False,none,,none,none,depression,2,True,False,False,False,False,substandard_table_3,5.24,3.0,True,False,False,False,20,UW-290,1.75,term_life,250000,monthly,2957.98,20.0,none,,,,False,none,independent_broker,False,False,False,0.036419,0.093345,SOA_2015_VBT,SOA_Scale_MP2023,1.948,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027314,0.012,False,,1.0,True,2025-09-22,non_payment,4.0,0.07,0.0765,False,normal_rate,4.93,0.55,False,False,False,False,False,0.941,11.4,7.4,sub_standard_longevity,35.0,baseline,0.931,0.632,False,,False,,250000.0,9379.71,7782.94,8755.62,8601.81,False,0,0.49,4.6
LI-2024-INS004-002401,2004-09-09,5,77,82,1927,female,never_smoker,23.7,59,117,WV,USA,single,high_school,white_collar,68468.03,0.8558,full_paramedical,145,87,228,51,4.47,60,4.5,True,66.1,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-438,1.25,universal_life,100000,monthly,789.24,,15yr_declining,613.1,,,False,none,captive_agent,False,False,False,0.083334,0.123526,SOA_2015_VBT,SOA_Scale_MP2023,1.436,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020833,0.012,False,,1.0,False,,,,0.08,0.0366,False,normal_rate,2.4,1.58,False,False,False,False,False,0.99,12.4,7.4,standard_longevity,36.4,baseline,0.858,0.951,False,,False,,99386.9,2536.43,2310.89,2336.15,2295.11,False,0,3.68,18.9
LI-2024-INS004-002402,2007-07-11,5,54,59,1953,male,never_smoker,25.7,63,145,HI,USA,married,bachelors,heavy_blue_collar,78017.55,0.5015,full_paramedical,133,71,218,54,4.04,92,,False,102.0,3.02,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,0.67,,False,False,False,False,7,UW-379,0.76,term_life,2000000,monthly,8037.66,10.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.009702,0.008767,SOA_2015_VBT,SOA_Scale_MP2023,0.804,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.1273,False,normal_rate,4.16,1.34,False,False,False,False,False,0.822,33.9,28.9,preferred_longevity,63.4,baseline,1.124,0.472,False,,False,,2000000.0,65402.32,66203.25,64301.28,15271.55,False,0,4.86,25.34
LI-2024-INS004-002403,2003-05-11,16,80,96,1923,male,former_smoker,24.6,73,186,UT,USA,married,some_college,professional,42593.15,0.8106,limited_exam,154,94,255,51,5.0,60,,False,80.0,7.06,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,14,UW-369,1.5,term_life,500000,annual,5984.32,10.0,none,,,,True,excess_of_loss,captive_agent,True,False,False,0.205587,0.383202,SOA_2015_VBT,SOA_Scale_MP2023,1.529,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.102793,0.012,False,,1.0,False,,,,0.03,0.0315,False,normal_rate,1.78,2.98,False,False,False,False,False,0.828,5.0,1.1,sub_standard_longevity,26.3,baseline,0.892,0.87,True,60.1,False,,500000.0,2788.57,2392.46,2633.1,20418.5,False,0,2.51,8.4
LI-2024-INS004-002404,2022-03-24,3,19,22,2003,male,never_smoker,21.7,75,173,NE,USA,single,graduate,heavy_blue_collar,57810.03,0.6904,full_paramedical,86,55,171,52,3.29,67,5.2,False,,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,standard,0.77,,False,False,False,False,26,UW-183,1.07,whole_life,250000,semi_annual,500.58,,none,326.43,,,False,none,captive_agent,False,False,False,0.001068,0.004973,SOA_2015_VBT,SOA_Scale_MP2023,1.081,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,7.5e-05,0.012,True,0.00376,1.0,False,,,,0.04,0.0459,False,normal_rate,0.83,2.55,False,False,False,False,False,0.848,70.0,55.0,super_preferred_longevity,100.0,baseline,0.982,0.767,False,,False,,249673.57,3944.17,4161.51,4004.64,951.1,False,0,5.68,20.01
LI-2024-INS004-002405,2004-07-23,23,34,57,1970,male,never_smoker,30.8,64,179,OK,USA,widowed,bachelors,heavy_blue_collar,29033.23,0.9306,full_paramedical,165,107,247,49,5.04,125,5.6,False,,3.11,False,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,1.02,6.0,False,False,False,False,41,UW-229,2.5,term_life,1000000,semi_annual,12919.74,20.0,none,,,,True,none,captive_agent,False,False,False,0.009477,0.033773,SOA_2015_VBT,SOA_Scale_MP2023,2.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014215,0.018,False,,1.0,False,,,,0.03,0.0287,False,normal_rate,4.53,2.45,False,False,False,False,False,0.758,58.7,36.0,super_preferred_longevity,80.5,baseline,0.802,0.979,True,36.2,False,,1000000.0,110430.83,97696.33,103357.92,24547.51,False,0,0.89,-20.0
LI-2024-INS004-002406,2014-05-20,2,18,20,1996,female,former_smoker,18.8,72,138,TX,USA,divorced,some_college,professional,34275.5,0.438,full_paramedical,107,75,168,61,2.75,84,4.8,False,,,False,False,False,False,False,none,,none,none,none,3,True,False,True,False,True,preferred,4.67,,True,False,False,False,44,UW-430,0.84,term_life,5000000,monthly,7229.54,20.0,none,,,,True,none,independent_broker,False,False,False,0.001047,0.000923,SOA_2015_VBT,SOA_Scale_MP2023,0.753,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0945,False,normal_rate,2.59,0.71,False,False,False,False,False,0.891,70.0,62.9,super_preferred_longevity,100.0,baseline,1.171,0.411,True,75.4,False,,5000000.0,56833.67,56154.14,57836.32,13736.13,False,0,-0.65,22.48
LI-2024-INS004-002407,2004-12-03,15,23,38,1981,female,current_smoker,29.2,63,165,MA,USA,married,some_college,heavy_blue_collar,25990.4,0.8585,full_paramedical,120,79,148,48,3.08,93,,True,85.5,,True,True,False,False,False,none,,none,none,depression,5,False,False,False,True,True,substandard_table_3,0.75,3.0,False,False,False,False,22,UW-446,1.75,term_life,250000,monthly,1337.11,10.0,none,,,,True,facultative,captive_agent,False,False,False,0.003633,0.008723,SOA_2015_VBT,SOA_Scale_MP2023,1.929,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002724,0.02,False,,1.0,False,,,,0.03,0.0304,False,normal_rate,2.87,0.78,False,False,False,False,False,0.938,70.0,52.6,super_preferred_longevity,100.0,baseline,0.856,0.866,True,18.0,False,,250000.0,10756.85,10751.49,10696.88,2540.51,False,0,-0.19,2.16
LI-2024-INS004-002408,2009-04-18,11,46,57,1963,female,never_smoker,33.0,59,163,TX,USA,married,bachelors,heavy_blue_collar,118060.31,0.4312,simplified_issue,132,91,224,38,5.89,124,5.8,False,81.7,,False,False,False,True,False,none,,pre_diabetes,none,none,3,False,False,False,False,True,substandard_table_6,0.55,6.0,False,False,False,False,39,UW-268,2.5,group_life,250000,monthly,2718.45,,none,,,,False,none,captive_agent,False,False,False,0.007356,0.034731,SOA_2015_VBT,SOA_Scale_MP2023,2.738,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011034,0.015,False,,1.0,False,,,,0.1,0.1355,False,normal_rate,4.69,1.06,False,False,False,False,False,0.956,47.4,36.4,preferred_longevity,73.6,baseline,1.177,0.455,False,,False,,250000.0,22176.71,19004.33,21747.6,5165.05,False,0,-0.49,-17.82
LI-2024-INS004-002409,2022-08-02,3,75,78,1947,male,never_smoker,32.7,62,178,AZ,USA,single,high_school,light_blue_collar,160660.99,0.2176,accelerated_UW,140,84,243,52,4.67,113,5.4,False,77.7,7.02,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,17,UW-185,2.25,whole_life,1000000,annual,13516.69,,none,9631.61,,,True,excess_of_loss,independent_broker,False,True,False,0.05042,0.219131,SOA_2015_VBT,SOA_Scale_MP2023,2.313,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.063025,0.008,True,0.00021,1.0,False,,,,0.04,0.0855,False,normal_rate,1.95,0.54,False,False,False,False,False,0.781,10.6,7.6,sub_standard_longevity,27.2,baseline,1.337,0.316,True,34.6,False,,990368.39,40262.48,39233.69,41090.74,39090.27,False,0,-1.28,-19.91
LI-2024-INS004-002410,2001-05-24,17,76,93,1925,male,never_smoker,30.7,66,190,NC,USA,married,less_than_hs,heavy_blue_collar,24621.44,0.841,full_paramedical,162,103,197,42,4.69,90,,False,78.9,8.32,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,0.63,,False,True,False,False,11,UW-489,1.0,term_life,500000,monthly,3897.71,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.12783,0.115339,SOA_2015_VBT,SOA_Scale_MP2023,1.038,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0308,False,normal_rate,1.55,2.3,False,False,False,False,False,0.823,9.1,1.0,sub_standard_longevity,26.6,baseline,0.869,0.778,False,,False,,500000.0,1638.48,1495.91,1559.08,13330.17,False,0,0.75,19.98
LI-2024-INS004-002411,2003-02-14,22,22,44,1981,male,never_smoker,22.3,61,117,NJ,USA,single,high_school,professional,191421.54,0.4931,full_paramedical,113,74,135,61,2.21,76,4.2,False,,1.62,False,False,False,False,False,none,,none,none,depression,4,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,58,UW-173,1.25,term_life,1000000,monthly,4060.92,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.003406,0.006548,SOA_2015_VBT,SOA_Scale_MP2023,1.48,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000851,0.02,False,,1.0,False,,,,0.03,0.0392,False,normal_rate,2.41,0.75,False,False,False,False,False,0.928,70.0,48.0,super_preferred_longevity,91.9,baseline,1.13,0.652,False,,False,,1000000.0,35192.97,32591.23,32487.36,7715.75,False,0,2.45,19.94
LI-2024-INS004-002412,2004-01-27,10,67,77,1937,female,never_smoker,30.3,60,154,AZ,USA,married,bachelors,professional,66770.44,0.9318,full_paramedical,150,92,267,50,5.34,97,,False,79.9,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-186,1.5,group_life,500000,semi_annual,5009.46,,none,,,,False,none,independent_broker,False,False,False,0.037128,0.065651,SOA_2015_VBT,SOA_Scale_MP2023,1.583,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018564,0.005,False,,1.0,False,,,,0.12,0.1145,False,normal_rate,4.03,1.96,False,False,False,False,False,0.889,23.7,13.7,standard_longevity,47.0,baseline,0.801,0.977,False,,False,,500000.0,26271.11,23369.46,27451.84,12042.74,False,0,0.5,9.45
LI-2024-INS004-002413,2020-11-26,5,68,73,1952,female,never_smoker,34.6,63,195,AL,USA,married,high_school,white_collar,57763.32,0.8552,full_paramedical,139,83,230,44,5.23,96,6.0,False,74.0,,False,False,False,False,False,none,,none,none,depression,4,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,46,UW-337,1.25,term_life,500000,monthly,3487.56,20.0,none,,,,False,none,independent_broker,False,False,False,0.025752,0.039705,SOA_2015_VBT,SOA_Scale_MP2023,1.464,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006438,0.012,True,0.0009,1.0,False,,,,0.07,0.0711,False,normal_rate,2.56,2.05,False,False,False,False,False,0.966,25.2,20.2,standard_longevity,55.6,baseline,0.859,0.816,False,,False,,500000.0,26783.6,28840.35,27900.48,6626.36,False,0,3.67,16.21
LI-2024-INS004-002414,2008-09-24,16,75,91,1933,female,never_smoker,24.8,62,135,AR,USA,married,high_school,white_collar,20000.0,0.6224,accelerated_UW,148,92,213,70,3.04,74,,False,58.5,,False,False,True,False,True,breast,7.1,none,none,depression,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,True,31,UW-082,1.5,whole_life,500000,semi_annual,4928.75,,none,5811.37,4724.64,0.813,False,none,independent_broker,True,False,False,0.120023,0.250239,SOA_2015_VBT,SOA_Scale_MP2023,1.534,cardiovascular,True,2014-07-10,False,False,1447812.52,0.0007,5e-05,1.095,0.060011,0.005,False,,1.0,False,,,,0.015,0.0108,False,normal_rate,4.29,0.84,False,False,False,True,False,0.795,16.8,1.0,sub_standard_longevity,33.3,baseline,1.033,0.489,False,,False,,494188.63,2166.61,1718.66,1971.5,16856.33,False,0,3.4,3.74
LI-2024-INS004-002415,2021-05-14,3,53,56,1968,male,unknown,23.8,74,185,TX,USA,married,bachelors,heavy_blue_collar,43415.82,0.8099,limited_exam,127,87,227,53,4.28,84,5.9,False,74.1,2.17,True,False,True,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,0.51,5.0,False,False,False,False,5,UW-206,2.25,whole_life,500000,monthly,4835.49,,none,3479.53,,,True,facultative,bank,False,True,False,0.010026,0.036622,SOA_2015_VBT,SOA_Scale_MP2023,2.374,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012533,0.015,True,0.00284,1.0,False,,,,0.04,0.0421,False,normal_rate,1.96,2.1,False,True,False,False,False,0.917,41.6,45.1,super_preferred_longevity,100.0,baseline,0.893,0.885,True,81.5,False,,496520.47,36519.11,40307.94,38683.92,9187.43,False,0,4.63,-12.38
LI-2024-INS004-002416,2024-11-27,2,75,77,1949,male,current_smoker,29.5,75,236,AZ,USA,married,bachelors,white_collar,179489.08,0.3951,non_med_guaranteed,155,103,255,61,4.18,122,4.3,True,66.4,2.08,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,26,UW-165,2.5,whole_life,1000000,monthly,16285.34,,none,11139.07,,,True,none,direct_to_consumer,False,False,False,0.093926,0.437097,SOA_2015_VBT,SOA_Scale_MP2023,2.62,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.140889,0.008,False,,1.0,False,,,,0.04,0.0775,False,normal_rate,4.62,2.01,False,False,False,False,False,0.751,11.6,9.8,sub_standard_longevity,33.1,baseline,1.204,0.52,True,41.2,False,,988860.93,68484.95,63392.72,63838.53,44230.98,False,0,0.32,-20.0
LI-2024-INS004-002417,2009-11-08,13,45,58,1964,female,never_smoker,21.3,58,101,NV,USA,married,less_than_hs,professional,46036.18,0.8846,full_paramedical,143,89,178,62,2.87,110,4.8,False,70.3,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-216,2.25,indexed_ul,2000000,semi_annual,22472.2,,10yr_declining,23554.7,,,True,facultative,captive_agent,False,False,False,0.008122,0.026465,SOA_2015_VBT,SOA_Scale_MP2023,2.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010152,0.015,False,,1.0,False,,,,0.04,0.0397,False,normal_rate,3.39,0.6,False,False,False,False,False,0.796,50.3,37.3,super_preferred_longevity,81.7,baseline,0.837,0.827,False,,False,,1976445.3,192638.04,153054.43,179777.6,42697.18,False,0,-0.74,-8.21
LI-2024-INS004-002418,2015-10-21,8,41,49,1974,female,never_smoker,29.7,63,167,AL,USA,divorced,bachelors,white_collar,109688.86,0.5929,limited_exam,129,80,207,47,4.4,96,5.3,False,,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-335,2.25,term_life,500000,monthly,5114.19,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.003965,0.014504,SOA_2015_VBT,SOA_Scale_MP2023,2.282,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004956,0.018,False,,1.0,False,,,,0.05,0.0858,False,normal_rate,3.32,2.15,False,False,False,False,False,0.917,54.9,46.9,super_preferred_longevity,91.7,baseline,1.055,0.645,False,,False,,500000.0,37320.39,38084.58,40913.52,9716.96,False,0,1.03,-12.22
LI-2024-INS004-002419,2001-04-25,12,25,37,1976,male,current_smoker,32.9,69,222,MA,USA,married,high_school,professional,20000.0,0.7832,full_paramedical,139,87,194,31,6.26,91,5.1,True,93.8,,False,False,False,False,False,none,,none,none,bipolar,2,False,True,False,False,False,substandard_table_6,,6.0,False,False,False,False,30,UW-017,2.5,whole_life,500000,monthly,3991.78,,none,3955.67,,,True,none,worksite,False,False,False,0.004268,0.017044,SOA_2015_VBT,SOA_Scale_MP2023,2.732,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006403,0.018,False,,1.0,False,,,,0.015,0.0161,False,normal_rate,4.05,1.86,False,False,False,False,False,0.859,68.0,60.3,super_preferred_longevity,100.0,baseline,0.913,0.606,True,62.7,False,,496044.33,31225.73,28626.69,31934.24,7584.38,False,0,-0.1,-20.0
LI-2024-INS004-002420,2021-12-07,6,79,85,1942,male,never_smoker,25.9,76,212,IN,USA,married,high_school,light_blue_collar,39923.18,0.5447,non_med_guaranteed,156,94,218,59,3.69,102,,False,83.5,8.2,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-122,2.0,universal_life,1000000,quarterly,13028.92,,15yr_declining,10526.12,,,True,quota_share,bank,False,False,False,0.088594,0.305792,SOA_2015_VBT,SOA_Scale_MP2023,2.209,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.088594,0.008,True,0.00359,1.0,False,,,,0.06,0.0341,False,normal_rate,1.81,1.65,False,False,False,False,False,0.969,7.1,1.0,sub_standard_longevity,22.2,baseline,1.091,0.396,False,,True,-0.147,989473.88,4973.71,4816.49,5211.57,44558.91,False,0,0.79,-7.91
LI-2024-INS004-002421,2009-08-08,2,58,60,1951,male,current_smoker,37.5,75,299,NM,USA,widowed,graduate,professional,216965.6,0.4269,limited_exam,145,92,200,33,6.06,123,4.5,True,86.7,2.49,False,False,False,False,False,none,,none,none,substance_use_disorder,15,True,False,False,False,False,standard,2.2,,True,True,False,False,6,UW-329,1.0,term_life,250000,quarterly,1332.58,15.0,none,,,,False,none,employer_group,False,False,False,0.020619,0.026565,SOA_2015_VBT,SOA_Scale_MP2023,1.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2026-03-20,voluntary_surrender,2.0,0.07,0.1141,False,normal_rate,4.54,2.8,False,False,False,False,False,0.939,29.3,27.3,standard_longevity,59.9,baseline,1.18,0.368,False,,False,,250000.0,10559.23,10035.26,10660.64,2531.9,False,0,5.24,12.8
LI-2024-INS004-002422,2018-07-25,8,20,28,1998,male,former_smoker,26.8,61,141,OK,USA,married,high_school,professional,20000.0,0.6158,full_paramedical,128,74,155,56,2.77,94,5.5,False,97.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,standard,,,False,True,False,False,11,UW-259,1.0,universal_life,100000,monthly,221.21,,15yr_declining,191.05,,,False,none,bank,False,False,False,0.001734,0.00198,SOA_2015_VBT,SOA_Scale_MP2023,1.1,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0326,False,normal_rate,5.23,2.17,False,False,False,False,False,0.888,70.0,55.0,super_preferred_longevity,100.0,baseline,1.038,0.63,False,,False,,99808.95,1827.13,1815.58,1769.68,420.3,False,0,3.05,14.41
LI-2024-INS004-002423,2023-02-07,1,59,60,1964,male,former_smoker,17.6,70,122,NH,USA,married,some_college,professional,53638.14,0.7524,limited_exam,125,76,182,49,3.71,94,4.6,False,,5.17,True,False,False,False,False,none,,none,none,depression,16,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-443,1.25,term_life,100000,monthly,703.34,30.0,none,,,,False,none,employer_group,False,False,False,0.015632,0.023099,SOA_2015_VBT,SOA_Scale_MP2023,1.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003908,0.015,False,,1.0,False,,,,0.1,0.1318,False,normal_rate,3.75,1.98,False,False,False,False,False,0.839,31.8,33.2,preferred_longevity,73.6,baseline,0.936,1.0,True,57.4,False,,100000.0,5385.72,5905.22,5626.72,1336.35,False,0,5.46,18.32
LI-2024-INS004-002424,2022-02-14,1,33,34,1989,female,unknown,37.4,70,260,IN,USA,married,some_college,hazardous,68771.2,0.6394,simplified_issue,145,86,206,29,7.1,119,5.8,False,66.2,,True,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,substandard_table_2,3.6,2.0,True,False,False,False,39,UW-222,1.5,term_life,100000,monthly,369.16,25.0,none,,,,False,none,independent_broker,True,False,False,0.001649,0.009484,SOA_2015_VBT,SOA_Scale_MP2023,1.515,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000825,0.02,True,0.00611,1.0,True,2026-03-04,replacement,1.0,0.1,0.1188,False,normal_rate,4.54,1.8,False,False,True,False,False,0.783,65.5,60.1,super_preferred_longevity,100.0,baseline,1.02,0.573,True,61.8,False,,100000.0,2901.8,2596.29,2953.28,701.4,False,0,1.55,8.32
LI-2024-INS004-002425,2001-05-13,20,76,96,1925,female,never_smoker,28.7,67,183,NV,USA,married,some_college,white_collar,20000.0,0.2271,full_paramedical,133,82,252,59,4.27,120,5.4,False,,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,32,UW-269,2.25,universal_life,250000,monthly,3906.78,,10yr_declining,5534.99,,,True,none,captive_agent,False,False,False,0.129607,0.561136,SOA_2015_VBT,SOA_Scale_MP2023,2.316,other,True,2005-04-06,False,False,664446.91,0.0007,5e-05,1.095,0.162008,0.012,False,,1.0,True,2025-11-08,voluntary_surrender,20.0,0.04,0.0607,False,normal_rate,7.28,2.52,False,False,True,False,False,0.872,10.6,1.0,sub_standard_longevity,17.4,baseline,1.33,0.342,False,,False,,244465.01,1713.5,1333.36,1562.71,13361.19,False,0,0.29,-11.06
LI-2024-INS004-002426,2018-10-25,7,80,87,1938,female,never_smoker,28.6,72,210,MD,USA,married,some_college,light_blue_collar,45018.07,0.4722,limited_exam,128,78,204,54,3.78,87,5.0,False,51.1,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-192,2.0,term_life,250000,monthly,3917.11,20.0,none,,,,False,none,captive_agent,False,False,False,0.088225,0.296171,SOA_2015_VBT,SOA_Scale_MP2023,2.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.088225,0.005,False,,1.0,False,,,,0.05,0.0661,False,normal_rate,5.5,2.97,False,False,False,False,False,0.987,9.0,2.0,sub_standard_longevity,22.6,baseline,1.146,0.546,False,,False,,250000.0,2899.29,3074.18,3133.69,13083.15,False,0,2.63,-8.93
LI-2024-INS004-002427,2011-07-16,3,47,50,1964,female,never_smoker,34.4,62,188,IL,USA,single,some_college,professional,39928.66,0.6579,full_paramedical,134,82,223,30,7.43,93,5.8,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,24,UW-116,1.5,whole_life,1000000,quarterly,5719.81,,none,3710.14,,,True,none,bank,False,False,False,0.004223,0.008905,SOA_2015_VBT,SOA_Scale_MP2023,1.598,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002112,0.015,False,,1.0,True,2026-02-09,non_payment,3.0,0.04,0.0469,False,normal_rate,3.33,2.8,False,False,False,False,False,0.838,47.4,44.4,super_preferred_longevity,89.0,baseline,1.007,0.669,False,,False,,996289.86,46118.14,47744.17,45758.48,10867.64,False,0,0.67,7.3
LI-2024-INS004-002428,2022-02-20,1,49,50,1973,female,never_smoker,19.7,68,129,MI,USA,widowed,high_school,professional,20000.0,0.366,full_paramedical,116,75,211,66,3.2,67,5.0,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-295,2.25,term_life,1000000,quarterly,9086.96,20.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.004288,0.020034,SOA_2015_VBT,SOA_Scale_MP2023,2.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.018,True,0.00206,1.0,False,,,,0.1,0.197,False,normal_rate,2.16,2.95,False,False,False,False,False,0.95,45.9,44.9,super_preferred_longevity,85.3,baseline,1.226,0.317,False,,False,,1000000.0,79416.97,63341.5,72695.68,17265.22,False,0,1.38,-14.12
LI-2024-INS004-002429,2001-06-08,8,80,88,1921,male,never_smoker,30.5,72,225,IN,USA,married,bachelors,heavy_blue_collar,34266.56,0.5636,full_paramedical,137,79,243,44,5.52,92,,False,47.9,6.65,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,0.53,1.0,False,False,False,False,27,UW-491,1.25,whole_life,1000000,semi_annual,10419.06,,none,8821.83,,,True,coinsurance,worksite,False,False,False,0.080741,0.149616,SOA_2015_VBT,SOA_Scale_MP2023,1.488,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020185,0.012,False,,1.0,False,,,,0.02,0.025,False,normal_rate,4.93,2.3,False,False,False,False,False,0.777,6.4,1.0,sub_standard_longevity,32.5,baseline,1.077,0.612,True,34.7,False,,991178.17,4449.9,3767.09,4167.62,35633.19,False,0,-0.79,12.61
LI-2024-INS004-002430,2006-10-24,14,40,54,1966,male,never_smoker,23.5,76,193,KY,USA,married,graduate,white_collar,32466.06,0.7953,full_paramedical,133,86,227,46,4.93,89,,False,82.5,2.62,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,28,UW-265,0.78,universal_life,1000000,semi_annual,3480.32,,15yr_declining,3745.6,,,True,excess_of_loss,employer_group,False,False,False,0.007392,0.005577,SOA_2015_VBT,SOA_Scale_MP2023,0.835,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.023,False,normal_rate,2.03,2.49,False,False,False,False,False,0.888,51.3,37.3,super_preferred_longevity,80.4,baseline,0.904,0.687,False,,False,,996254.4,28831.45,24801.15,27842.56,6612.61,False,0,6.41,22.16
LI-2024-INS004-002431,2009-01-07,18,62,80,1947,female,never_smoker,36.4,69,246,VA,USA,widowed,some_college,white_collar,81181.51,0.6089,non_med_guaranteed,155,99,239,45,5.31,103,4.5,False,69.2,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,23,UW-338,1.5,term_life,1000000,monthly,8670.36,20.0,none,,,,True,none,captive_agent,False,False,False,0.04799,0.102703,SOA_2015_VBT,SOA_Scale_MP2023,1.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023995,0.008,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,3.56,2.71,False,False,False,False,False,0.962,29.1,11.1,standard_longevity,38.3,baseline,1.043,0.651,False,,False,,1000000.0,41126.13,39719.9,38496.4,22646.98,False,0,3.16,4.32
LI-2024-INS004-002432,2015-12-13,3,53,56,1962,male,never_smoker,28.5,71,204,VA,USA,married,graduate,light_blue_collar,42535.3,0.2504,full_paramedical,115,84,197,45,4.38,91,,False,92.3,3.31,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,preferred,,,False,False,False,False,34,UW-022,0.84,indexed_ul,1000000,semi_annual,3734.81,,10yr_declining,2530.05,,,True,quota_share,bank,False,False,False,0.008332,0.008615,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0756,False,normal_rate,6.86,1.57,False,False,False,False,False,0.912,35.5,32.5,preferred_longevity,65.0,baseline,1.312,0.231,False,,False,,997469.95,31524.41,28327.42,29878.48,7096.14,False,0,6.38,19.45
LI-2024-INS004-002433,2010-05-26,1,38,39,1972,male,never_smoker,33.7,76,276,TN,USA,single,some_college,heavy_blue_collar,92567.83,0.4253,full_paramedical,131,93,203,46,4.41,81,4.8,False,,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,1.48,4.0,False,False,False,False,7,UW-154,2.0,term_life,2000000,quarterly,11553.45,10.0,none,,,,True,none,bank,False,False,False,0.002419,0.008471,SOA_2015_VBT,SOA_Scale_MP2023,2.118,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.018,False,,1.0,False,,,,0.1,0.136,False,normal_rate,4.07,1.77,False,True,False,False,False,0.937,52.9,51.9,super_preferred_longevity,96.7,baseline,1.181,0.378,False,,False,,2000000.0,89866.81,90216.45,92427.6,21951.56,False,0,-0.02,-7.05
LI-2024-INS004-002434,2011-05-25,9,30,39,1981,female,former_smoker,29.4,58,140,IL,USA,married,some_college,light_blue_collar,95272.03,0.8802,non_med_guaranteed,121,74,221,71,3.11,88,4.3,False,87.6,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-233,0.81,whole_life,250000,monthly,575.38,,none,509.43,,,False,none,bank,False,False,False,0.002516,0.001703,SOA_2015_VBT,SOA_Scale_MP2023,0.806,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0199,False,normal_rate,5.11,1.33,False,False,False,False,False,0.953,68.3,55.0,super_preferred_longevity,100.0,baseline,0.84,0.951,False,,False,,249490.57,5033.39,4033.35,4603.04,1093.22,False,0,4.12,27.49
LI-2024-INS004-002435,2007-01-02,6,53,59,1954,female,never_smoker,17.5,71,125,CT,USA,divorced,graduate,white_collar,20000.0,0.5438,full_paramedical,137,85,178,55,3.24,104,,True,82.0,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-439,1.25,annuity_deferred,1000000,quarterly,6560.5,,none,4785.6,,,True,coinsurance,direct_to_consumer,False,True,False,0.015712,0.026922,SOA_2015_VBT,SOA_Scale_MP2023,1.34,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003928,0.012,False,,1.0,False,,,,0.02,0.0354,False,normal_rate,3.74,1.86,False,False,False,False,False,0.795,39.2,33.2,preferred_longevity,70.5,baseline,1.092,0.663,False,,False,,995214.4,56452.9,52764.9,52484.0,12464.95,False,0,2.22,15.49
LI-2024-INS004-002436,2017-10-23,3,24,27,1993,male,former_smoker,35.4,76,290,OH,USA,married,graduate,white_collar,201642.63,0.2861,full_paramedical,114,65,235,32,7.34,109,4.7,False,111.7,,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-323,1.5,whole_life,1000000,annual,3644.27,,none,2544.31,,,True,quota_share,employer_group,False,False,False,0.001662,0.004086,SOA_2015_VBT,SOA_Scale_MP2023,1.523,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000831,0.022,False,,1.0,False,,,,0.04,0.0989,False,normal_rate,3.54,1.05,False,False,False,False,False,0.958,69.9,55.0,super_preferred_longevity,99.3,baseline,1.285,0.308,False,,False,,997455.69,28559.46,29880.36,29154.16,6924.11,False,0,2.36,6.61
LI-2024-INS004-002437,2003-05-25,1,70,71,1933,male,never_smoker,25.9,61,137,ID,USA,married,graduate,heavy_blue_collar,49531.44,0.9292,non_med_guaranteed,145,100,180,63,2.86,91,,False,52.2,14.78,False,False,False,False,False,none,,none,none,none,8,False,False,True,True,True,substandard_table_2,1.43,2.0,False,False,False,False,46,UW-143,1.5,indexed_ul,250000,quarterly,2156.15,,15yr_declining,1375.1,,,False,none,captive_agent,False,False,False,0.026935,0.048446,SOA_2015_VBT,SOA_Scale_MP2023,1.617,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013468,0.005,False,,1.0,False,,,,0.11,0.0474,False,normal_rate,3.41,2.28,False,True,False,False,False,0.773,16.1,15.1,standard_longevity,49.1,baseline,0.803,0.891,False,,False,,248624.9,14224.08,12524.73,13023.15,4941.9,False,0,0.62,14.07
LI-2024-INS004-002438,2006-09-07,13,27,40,1979,male,never_smoker,23.5,70,163,VT,USA,divorced,high_school,heavy_blue_collar,48002.33,0.5414,full_paramedical,114,75,259,56,4.62,112,,False,100.2,1.13,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,True,False,False,False,substandard_table_5,1.29,5.0,False,False,False,False,7,UW-360,2.25,term_life,2000000,annual,17166.92,20.0,none,,,,True,quota_share,bank,False,False,False,0.002583,0.010105,SOA_2015_VBT,SOA_Scale_MP2023,2.434,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003228,0.018,False,,1.0,False,,,,0.03,0.038,False,normal_rate,3.74,1.71,False,False,False,False,False,0.868,65.5,52.5,super_preferred_longevity,99.4,baseline,1.094,0.524,False,,False,,2000000.0,132243.13,140994.17,137335.36,32617.15,False,0,-1.77,-6.01
LI-2024-INS004-002439,2020-08-09,1,36,37,1984,female,never_smoker,15.5,66,96,MI,USA,married,bachelors,light_blue_collar,162467.96,0.5582,full_paramedical,118,75,226,51,4.43,106,5.2,False,92.9,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,declined,,,False,False,True,False,18,UW-340,7.0,whole_life,250000,quarterly,5628.79,,none,3722.21,,,True,quota_share,direct_to_consumer,False,False,False,0.001707,0.023632,SOA_2015_VBT,SOA_Scale_MP2023,6.42,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010244,0.02,True,0.00154,1.0,False,,,,0.06,0.1053,False,normal_rate,4.28,2.88,False,False,False,False,False,0.97,61.4,55.0,super_preferred_longevity,100.0,baseline,1.081,0.408,False,,False,,246277.79,49398.33,39696.23,45030.32,10694.7,False,0,-5.0,-20.0
LI-2024-INS004-002440,2018-10-21,7,63,70,1955,male,unknown,27.6,70,192,CA,USA,divorced,bachelors,white_collar,20000.0,0.1994,accelerated_UW,131,78,176,50,3.52,126,5.3,False,88.4,9.43,False,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,33,UW-116,2.25,whole_life,500000,semi_annual,6387.95,,none,5261.47,,,False,none,direct_to_consumer,False,False,False,0.029534,0.131004,SOA_2015_VBT,SOA_Scale_MP2023,2.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036917,0.012,False,,1.0,False,,,,0.02,0.0431,False,normal_rate,4.17,1.48,False,False,False,False,False,0.908,27.0,20.0,standard_longevity,55.5,baseline,1.35,0.119,False,,False,,494738.53,52173.64,48734.29,51103.6,12137.1,False,0,-0.66,-15.0
LI-2024-INS004-002441,2017-03-26,10,74,84,1943,male,never_smoker,23.7,71,169,PA,USA,single,some_college,white_collar,152732.8,0.7417,non_med_guaranteed,142,84,200,44,4.55,68,5.2,False,,20.0,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,28,UW-257,2.0,universal_life,500000,quarterly,6737.92,,10yr_declining,6462.99,,,False,none,bank,False,False,False,0.081999,0.240172,SOA_2015_VBT,SOA_Scale_MP2023,2.044,cancer,True,2019-09-18,False,False,108098.24,0.0007,5e-05,1.095,0.081999,0.008,False,,1.0,False,,,,0.06,0.0299,False,normal_rate,1.89,1.59,False,False,False,False,False,0.885,13.1,3.4,sub_standard_longevity,28.7,baseline,0.944,0.559,True,63.4,False,,493537.01,8394.51,8872.51,9163.57,21750.01,False,0,1.27,-6.72
LI-2024-INS004-002442,2007-11-05,18,20,38,1987,male,never_smoker,30.1,62,164,IN,USA,married,some_college,heavy_blue_collar,145609.61,0.8169,full_paramedical,120,67,199,62,3.21,82,5.0,False,80.6,,True,False,True,True,False,none,,none,none,none,8,False,False,False,False,True,substandard_table_6,1.16,6.0,False,False,False,False,24,UW-240,2.5,annuity_deferred,1000000,monthly,8603.5,,none,10492.98,,,True,excess_of_loss,captive_agent,True,False,False,0.00227,0.008627,SOA_2015_VBT,SOA_Scale_MP2023,2.592,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.02,False,,1.0,False,,,,0.01,0.0105,False,normal_rate,4.65,2.02,False,False,False,True,False,0.807,70.0,52.0,super_preferred_longevity,100.0,baseline,0.887,0.673,False,,False,,989507.02,62371.4,69670.12,68828.0,16346.65,False,0,-2.58,-10.61
LI-2024-INS004-002443,2023-05-03,4,42,46,1981,male,current_smoker,32.1,66,198,IA,USA,married,high_school,heavy_blue_collar,52624.51,0.7088,limited_exam,120,79,179,41,4.37,115,5.0,True,87.3,1.83,False,False,False,False,False,none,,none,severe_gold_3,bipolar,7,False,False,False,False,False,substandard_table_9,0.89,9.0,False,False,False,False,9,UW-274,3.25,term_life,500000,quarterly,6604.81,30.0,none,,,,False,none,employer_group,False,False,False,0.007886,0.045254,SOA_2015_VBT,SOA_Scale_MP2023,3.602,neurological,True,2026-03-29,False,False,1055968.81,0.0007,5e-05,1.095,0.017745,0.02,False,,1.0,False,,,,0.07,0.0952,False,normal_rate,2.46,0.96,False,False,False,False,False,0.849,51.6,50.4,super_preferred_longevity,98.7,baseline,0.968,0.627,True,51.8,False,,500000.0,48415.96,53614.47,52838.48,12549.14,False,0,-2.78,-20.0
LI-2024-INS004-002444,2001-09-08,11,39,50,1962,female,never_smoker,17.0,67,108,CO,USA,single,high_school,professional,31131.72,0.3389,simplified_issue,98,67,217,48,4.52,84,4.9,True,91.9,,False,False,True,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-344,2.25,term_life,1000000,quarterly,10059.52,25.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.008195,0.034328,SOA_2015_VBT,SOA_Scale_MP2023,2.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010244,0.015,False,,1.0,False,,,,0.03,0.0514,False,normal_rate,5.66,1.34,False,False,False,False,False,0.755,56.9,45.9,super_preferred_longevity,96.4,baseline,1.246,0.313,False,,False,,1000000.0,76598.6,78130.95,80476.16,19113.09,False,0,1.67,-13.85
LI-2024-INS004-002445,2024-08-28,3,68,71,1956,female,never_smoker,30.4,61,161,WV,USA,married,some_college,hazardous,172851.38,0.5141,accelerated_UW,138,76,219,56,3.91,79,,False,62.9,,False,False,False,False,True,breast,10.0,none,none,substance_use_disorder,5,False,False,False,False,True,substandard_table_5,4.04,5.0,True,False,False,True,33,UW-163,2.25,term_life,1000000,monthly,12438.35,10.0,none,,,,True,coinsurance,direct_to_consumer,True,False,False,0.022692,0.089312,SOA_2015_VBT,SOA_Scale_MP2023,2.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028366,0.012,False,,1.0,False,,,,0.07,0.1263,False,normal_rate,2.37,2.99,True,False,False,False,False,0.834,24.4,21.4,standard_longevity,52.3,baseline,1.114,0.426,False,,False,,1000000.0,92665.8,90180.51,99506.8,23632.86,False,0,-0.3,-11.42
LI-2024-INS004-002446,2009-01-01,10,22,32,1987,female,never_smoker,34.9,69,236,WA,USA,married,high_school,light_blue_collar,90135.4,0.595,non_med_guaranteed,144,81,177,50,3.54,129,5.6,False,98.1,,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-374,1.25,universal_life,1000000,monthly,3795.74,,10yr_declining,3559.37,,,True,none,worksite,False,False,False,0.001289,0.002065,SOA_2015_VBT,SOA_Scale_MP2023,1.283,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000322,0.02,False,,1.0,False,,,,0.06,0.033,False,normal_rate,4.29,1.49,False,False,False,False,False,0.916,70.0,55.0,super_preferred_longevity,100.0,baseline,1.054,0.466,False,,False,,996440.63,29181.97,26088.28,30365.92,7211.91,False,0,3.57,9.24
LI-2024-INS004-002447,2008-02-21,10,79,89,1929,male,former_smoker,28.4,75,227,CT,USA,single,graduate,hazardous,170502.1,0.863,full_paramedical,136,88,174,35,4.97,88,5.6,False,62.9,12.64,False,False,False,True,False,none,,none,none,bipolar,0,False,False,False,False,True,substandard_table_6,3.79,6.0,True,False,False,False,33,UW-252,2.5,universal_life,500000,annual,10456.4,,15yr_declining,9027.97,,,False,none,captive_agent,False,False,False,0.125679,0.463418,SOA_2015_VBT,SOA_Scale_MP2023,2.565,cardiovascular,True,2011-08-21,False,False,1301502.19,0.0007,5e-05,1.095,0.188519,0.012,False,,1.0,False,,,,0.06,0.0273,False,normal_rate,5.23,0.89,False,False,False,False,False,0.911,6.8,1.0,sub_standard_longevity,26.9,baseline,0.853,0.871,False,,False,,490972.03,4055.52,3879.17,4182.56,35760.89,False,0,-2.82,-18.35
LI-2024-INS004-002448,2017-02-10,2,44,46,1973,female,never_smoker,25.2,66,156,MD,USA,single,graduate,light_blue_collar,27536.24,0.3117,limited_exam,115,74,236,49,4.82,126,5.0,False,,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-253,0.79,universal_life,2000000,monthly,5964.59,,10yr_declining,3708.77,,,True,none,captive_agent,False,False,False,0.003155,0.003231,SOA_2015_VBT,SOA_Scale_MP2023,0.809,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0522,False,normal_rate,3.31,2.65,False,False,False,False,False,0.776,50.6,48.6,super_preferred_longevity,90.1,baseline,1.266,0.142,False,,False,,1996291.23,47411.86,42350.73,47716.72,11332.72,False,0,4.14,17.2
LI-2024-INS004-002449,2024-09-18,1,19,20,2005,male,never_smoker,32.7,70,227,WI,USA,single,some_college,heavy_blue_collar,194330.22,0.6254,limited_exam,127,86,228,52,4.38,122,5.3,False,99.8,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,0.6,4.0,False,False,False,False,18,UW-467,2.0,whole_life,100000,annual,312.41,,none,202.62,,,False,none,employer_group,False,False,False,0.001007,0.003341,SOA_2015_VBT,SOA_Scale_MP2023,2.25,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001007,0.012,False,,1.0,True,2025-07-07,non_payment,1.0,0.06,0.0864,False,normal_rate,3.25,1.12,False,False,False,False,False,0.798,70.0,63.6,super_preferred_longevity,100.0,baseline,1.031,0.652,True,78.4,False,,99797.38,2358.28,2349.91,2499.28,593.58,False,0,0.82,-4.17
LI-2024-INS004-002450,2014-11-02,11,33,44,1981,male,former_smoker,28.6,66,177,IL,USA,married,some_college,professional,20000.0,0.8735,limited_exam,127,87,198,20,9.9,101,,False,99.2,3.29,False,False,True,False,False,none,,none,none,none,19,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,14,UW-180,1.75,term_life,2000000,monthly,11218.76,15.0,none,,,,True,quota_share,bank,False,False,False,0.004427,0.010169,SOA_2015_VBT,SOA_Scale_MP2023,1.831,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00332,0.02,False,,1.0,False,,,,0.03,0.03,False,normal_rate,5.12,2.2,False,False,False,False,False,0.889,64.2,53.2,super_preferred_longevity,100.0,baseline,0.845,0.767,False,,False,,2000000.0,82851.24,77109.48,89750.08,21315.64,False,0,1.05,3.97
LI-2024-INS004-002451,2015-07-20,5,60,65,1955,female,never_smoker,31.8,71,228,MA,USA,married,high_school,light_blue_collar,121304.45,0.4939,accelerated_UW,167,102,271,58,4.67,73,,False,95.4,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,19,UW-218,2.0,whole_life,250000,quarterly,2386.71,,none,1846.16,,,True,none,captive_agent,False,False,False,0.013298,0.046211,SOA_2015_VBT,SOA_Scale_MP2023,2.191,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013298,0.012,False,,1.0,False,,,,0.04,0.0522,False,normal_rate,2.96,2.97,False,False,False,False,False,0.88,32.2,27.2,preferred_longevity,60.7,baseline,1.13,0.637,False,,False,,248153.84,18293.55,18199.86,19093.68,4534.75,False,0,4.1,-9.09
LI-2024-INS004-002452,2002-07-07,19,21,40,1981,male,current_smoker,31.8,67,202,MI,USA,married,some_college,white_collar,270089.93,0.5893,simplified_issue,109,70,209,60,3.48,101,,True,81.1,1.62,False,False,False,False,False,none,,none,none,none,4,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,33,UW-263,1.5,annuity_immediate,1000000,quarterly,5499.04,,none,,,,True,excess_of_loss,bank,False,False,False,0.005165,0.011955,SOA_2015_VBT,SOA_Scale_MP2023,1.715,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.02,False,,1.0,False,,,,0.002,0.005,False,normal_rate,5.0,1.85,False,False,False,False,False,0.993,70.0,51.0,super_preferred_longevity,97.8,baseline,1.058,0.661,False,,False,,1000000.0,42525.8,39737.93,43992.32,10448.18,False,0,2.28,5.95
LI-2024-INS004-002453,2019-03-04,7,50,57,1969,male,former_smoker,24.1,66,149,VT,USA,married,graduate,professional,168539.86,0.4692,full_paramedical,103,64,215,41,5.24,81,5.5,False,88.8,3.19,False,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-103,1.25,term_life,2000000,annual,10767.29,20.0,none,,,,True,none,independent_broker,False,False,False,0.01232,0.021157,SOA_2015_VBT,SOA_Scale_MP2023,1.278,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00308,0.015,False,,1.0,False,,,,0.05,0.0662,False,normal_rate,2.69,1.38,False,False,False,False,False,0.838,43.4,40.6,super_preferred_longevity,90.4,baseline,1.148,0.449,True,67.6,False,,2000000.0,86728.83,86913.32,86138.32,20457.85,False,0,5.03,8.92
LI-2024-INS004-002454,2020-02-14,7,64,71,1956,female,never_smoker,34.3,62,187,IA,USA,married,less_than_hs,light_blue_collar,66368.85,0.7522,simplified_issue,145,83,217,33,6.58,108,4.9,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-150,2.0,universal_life,250000,monthly,3302.38,,10yr_declining,2644.45,,,False,none,direct_to_consumer,False,False,False,0.022692,0.073169,SOA_2015_VBT,SOA_Scale_MP2023,2.217,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022692,0.012,True,0.0034,1.0,False,,,,0.06,0.0415,False,normal_rate,3.01,0.6,False,False,False,False,False,0.94,29.4,22.3,standard_longevity,57.2,baseline,0.936,0.631,True,32.2,False,,247355.55,26470.59,25222.12,26419.04,6274.52,False,0,2.16,-8.64
LI-2024-INS004-002455,2009-08-10,6,46,52,1963,male,never_smoker,32.3,64,188,SD,USA,divorced,less_than_hs,heavy_blue_collar,24758.68,0.6096,full_paramedical,144,93,232,39,5.95,84,5.7,False,85.9,1.39,True,False,False,False,False,none,,pre_diabetes,none,bipolar,0,False,False,False,True,True,substandard_table_4,1.43,4.0,False,False,False,False,31,UW-366,2.0,universal_life,1000000,quarterly,9704.71,,10yr_declining,7418.45,,,True,none,independent_broker,False,False,False,0.006097,0.019608,SOA_2015_VBT,SOA_Scale_MP2023,2.125,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006097,0.015,False,,1.0,False,,,,0.06,0.0327,False,normal_rate,3.76,1.59,False,False,False,False,False,0.773,44.1,39.2,super_preferred_longevity,80.4,baseline,1.043,0.622,False,,True,0.743,992581.55,75421.73,77774.96,77637.68,18438.95,False,0,0.35,-5.94
LI-2024-INS004-002456,2001-11-15,4,55,59,1946,female,never_smoker,26.4,72,194,NY,USA,married,some_college,white_collar,20000.0,0.8544,full_paramedical,129,79,154,46,3.35,91,,False,81.3,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-468,1.25,annuity_immediate,500000,monthly,3503.04,,none,,,,False,none,direct_to_consumer,False,False,False,0.007702,0.011719,SOA_2015_VBT,SOA_Scale_MP2023,1.48,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001925,0.008,False,,1.0,False,,,,0.005,0.0071,False,normal_rate,4.31,1.9,False,False,False,False,False,0.859,37.0,33.0,preferred_longevity,74.8,baseline,0.859,0.812,False,,False,,500000.0,30311.21,24308.82,28024.32,6655.78,False,0,4.93,15.38
LI-2024-INS004-002457,2022-12-14,2,36,38,1986,female,never_smoker,33.8,72,249,KY,USA,divorced,high_school,heavy_blue_collar,130886.24,0.6549,full_paramedical,139,89,221,37,5.97,118,4.8,False,84.7,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,0.51,1.0,False,False,False,False,8,UW-084,1.25,term_life,1000000,monthly,4344.96,20.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.001816,0.009087,SOA_2015_VBT,SOA_Scale_MP2023,1.474,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000454,0.02,True,0.00593,1.0,False,,,,0.07,0.1153,False,normal_rate,5.57,2.51,False,False,False,False,False,0.926,62.1,55.0,super_preferred_longevity,100.0,baseline,1.009,0.702,False,,False,,1000000.0,33443.85,30461.29,34759.68,8255.42,False,0,0.95,16.8
LI-2024-INS004-002458,2019-03-09,6,61,67,1958,male,never_smoker,20.2,64,117,TX,USA,divorced,bachelors,professional,53469.6,0.6163,full_paramedical,133,86,215,52,4.13,66,,False,78.5,1.4,False,False,False,False,True,melanoma,4.9,none,none,none,6,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,22,UW-415,1.5,indexed_ul,1000000,monthly,8827.08,,10yr_declining,6461.16,,,True,none,independent_broker,False,False,False,0.020503,0.045912,SOA_2015_VBT,SOA_Scale_MP2023,1.676,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010251,0.012,False,,1.0,False,,,,0.06,0.0326,False,normal_rate,4.51,1.93,False,False,False,False,False,0.806,28.1,22.3,standard_longevity,55.2,baseline,1.038,0.652,True,35.6,False,,993538.84,70904.02,72949.17,70616.64,16771.45,False,0,2.8,3.76
LI-2024-INS004-002459,2012-02-11,8,45,53,1967,female,current_smoker,22.5,67,143,NY,USA,divorced,some_college,white_collar,56007.81,0.1355,full_paramedical,94,58,222,41,5.41,82,,True,89.9,,True,False,False,True,True,melanoma,7.2,none,none,bipolar,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,34,UW-390,3.0,whole_life,250000,quarterly,2958.17,,none,2361.12,,,False,none,worksite,False,False,False,0.010901,0.072015,SOA_2015_VBT,SOA_Scale_MP2023,3.294,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021802,0.015,False,,1.0,False,,,,0.02,0.0318,False,normal_rate,3.69,2.53,False,False,False,True,False,0.809,47.8,39.8,preferred_longevity,74.2,baseline,1.398,0.166,False,,False,,247638.88,23917.34,20790.31,23665.36,5620.52,False,0,0.28,-20.0
LI-2024-INS004-002460,2008-06-18,19,56,75,1952,female,former_smoker,24.3,65,145,NM,USA,married,high_school,light_blue_collar,56349.12,0.2608,full_paramedical,132,77,192,66,2.91,90,,False,,,False,False,True,False,False,none,,none,none,none,0,False,False,True,False,True,preferred,,,False,False,False,False,51,UW-173,0.81,universal_life,2000000,quarterly,9640.06,,10yr_declining,13084.41,,,True,none,worksite,False,False,False,0.039871,0.040982,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0597,False,normal_rate,4.44,2.74,False,False,False,True,False,0.79,37.8,18.8,standard_longevity,54.6,baseline,1.304,0.206,False,,False,,1986915.59,73380.27,64059.08,72493.25,19241.56,False,0,5.43,19.54
LI-2024-INS004-002461,2010-03-07,16,46,62,1964,female,never_smoker,24.7,59,122,NC,USA,married,graduate,white_collar,55488.13,0.6551,limited_exam,136,94,234,69,3.39,94,5.0,False,76.3,,False,False,False,False,False,none,,none,none,bipolar,7,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-163,2.0,whole_life,250000,annual,2888.56,,none,3331.94,,,False,none,direct_to_consumer,False,False,False,0.011412,0.03707,SOA_2015_VBT,SOA_Scale_MP2023,2.229,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011412,0.015,False,,1.0,False,,,,0.015,0.0247,False,normal_rate,3.44,2.82,False,False,False,False,False,0.872,48.4,32.4,preferred_longevity,70.9,baseline,1.009,0.771,False,,False,,246668.06,22873.63,19901.94,23108.48,5488.26,False,0,1.56,-5.32
LI-2024-INS004-002462,2010-06-07,17,74,91,1936,female,former_smoker,30.3,69,205,OK,USA,single,high_school,white_collar,87996.86,0.6573,limited_exam,140,96,237,48,4.94,109,,False,56.7,,False,False,False,False,True,lymphoma,4.5,none,none,none,11,False,False,False,False,True,declined,,,False,False,True,False,52,UW-390,7.0,term_life,500000,annual,29429.42,20.0,none,,,,False,none,captive_agent,False,False,False,0.158394,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.162,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.03,0.0352,False,normal_rate,3.99,1.56,False,False,False,False,False,0.976,15.4,1.0,sub_standard_longevity,23.9,baseline,1.007,0.588,True,41.3,False,,500000.0,12293.34,10540.01,11771.77,100648.62,False,0,-5.0,-20.0
LI-2024-INS004-002463,2017-08-16,6,63,69,1954,male,never_smoker,24.7,63,139,NV,USA,divorced,graduate,heavy_blue_collar,35105.17,0.3823,full_paramedical,135,87,221,53,4.17,108,,False,83.8,1.77,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,0.94,5.0,False,False,False,False,19,UW-057,2.25,whole_life,2000000,annual,27170.41,,none,20946.07,10263.57,0.49,True,facultative,employer_group,False,False,False,0.023253,0.097454,SOA_2015_VBT,SOA_Scale_MP2023,2.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029067,0.012,False,,1.0,False,,,,0.02,0.0201,False,normal_rate,5.12,1.8,False,False,False,False,False,0.88,24.6,19.8,standard_longevity,47.9,baseline,1.213,0.375,True,53.2,False,,1979053.93,194591.36,194702.51,215189.65,52058.5,False,0,1.95,-11.89
LI-2024-INS004-002464,2017-06-18,9,44,53,1973,female,never_smoker,26.8,62,146,ID,USA,single,graduate,light_blue_collar,105439.64,0.8969,simplified_issue,137,86,174,46,3.78,84,,False,89.8,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,53,UW-065,1.25,term_life,500000,quarterly,3095.13,10.0,none,,,,False,none,captive_agent,False,False,False,0.005451,0.007734,SOA_2015_VBT,SOA_Scale_MP2023,1.413,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001363,0.018,False,,1.0,False,,,,0.05,0.0491,False,normal_rate,5.27,1.66,False,False,False,False,False,0.882,53.0,44.0,super_preferred_longevity,92.0,baseline,0.827,0.803,False,,False,,500000.0,24961.68,23120.31,24761.04,5880.75,False,0,1.55,10.48
LI-2024-INS004-002465,2024-09-02,2,40,42,1984,female,current_smoker,32.5,70,226,UT,USA,married,some_college,hazardous,20000.0,0.853,full_paramedical,116,73,203,53,3.83,92,4.6,True,88.1,,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,3.36,2.0,True,False,False,False,25,UW-371,1.5,annuity_deferred,1000000,monthly,5328.51,,none,3311.82,,,True,coinsurance,captive_agent,True,False,False,0.004731,0.008576,SOA_2015_VBT,SOA_Scale_MP2023,1.526,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.02,False,,1.0,False,,,,0.04,0.0407,False,normal_rate,3.37,1.53,False,True,False,False,False,1.0,58.6,55.0,super_preferred_longevity,100.0,baseline,0.86,0.975,False,,False,,996688.18,44031.98,42720.98,42628.08,10124.17,False,0,3.65,4.91
LI-2024-INS004-002466,2010-02-12,5,31,36,1979,male,never_smoker,23.5,69,159,WI,USA,married,bachelors,white_collar,27942.93,0.7848,full_paramedical,124,79,181,33,5.48,95,,False,86.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,12,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,44,UW-471,2.25,term_life,1000000,monthly,6215.11,20.0,none,,,,True,coinsurance,employer_group,False,False,False,0.00201,0.007029,SOA_2015_VBT,SOA_Scale_MP2023,2.466,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002512,0.018,False,,1.0,False,,,,0.07,0.0901,False,normal_rate,4.65,2.2,False,False,False,False,False,0.957,62.4,55.0,super_preferred_longevity,100.0,baseline,0.911,0.714,False,,False,,1000000.0,49873.82,47427.27,49720.88,11808.71,False,0,4.41,-17.11
LI-2024-INS004-002467,2012-12-13,12,25,37,1987,male,former_smoker,31.9,62,174,HI,USA,married,high_school,white_collar,116342.65,0.4889,full_paramedical,136,75,198,50,3.96,90,5.2,False,96.1,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-023,1.25,whole_life,100000,annual,342.45,,none,331.01,,,False,none,captive_agent,False,False,False,0.002774,0.004652,SOA_2015_VBT,SOA_Scale_MP2023,1.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000694,0.02,False,,1.0,False,,,,0.015,0.0196,False,normal_rate,3.86,2.48,False,False,False,False,False,0.783,68.6,55.0,super_preferred_longevity,100.0,baseline,1.133,0.543,False,,False,,99668.99,2780.12,2676.76,2739.6,650.66,False,0,3.63,10.77
LI-2024-INS004-002468,2020-06-25,6,22,28,1998,female,unknown,30.0,70,209,ME,USA,single,high_school,hazardous,72736.77,0.4622,limited_exam,130,73,140,44,3.18,87,4.5,False,,,False,False,True,False,False,none,,none,none,schizophrenia,9,False,False,False,True,True,substandard_table_5,3.61,5.0,True,False,False,False,41,UW-002,2.25,annuity_deferred,1000000,monthly,4698.68,,none,3511.33,,,True,quota_share,direct_to_consumer,False,False,False,0.001227,0.009032,SOA_2015_VBT,SOA_Scale_MP2023,2.321,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001534,0.022,True,0.00421,1.0,False,,,,0.02,0.0372,False,normal_rate,3.29,2.52,False,False,False,False,False,0.765,70.0,55.0,super_preferred_longevity,100.0,baseline,1.153,0.538,False,,False,,996488.67,34672.06,37256.92,37589.44,8927.49,False,0,-1.2,-10.03
LI-2024-INS004-002469,2008-01-17,9,18,27,1990,male,never_smoker,37.2,68,244,KY,USA,married,graduate,light_blue_collar,49407.62,0.9092,simplified_issue,142,87,194,49,3.96,112,5.1,False,112.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,14,UW-102,1.5,term_life,500000,monthly,1863.83,30.0,none,,,,False,none,employer_group,False,False,False,0.001279,0.002225,SOA_2015_VBT,SOA_Scale_MP2023,1.516,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000639,0.022,False,,1.0,False,,,,0.05,0.0584,False,normal_rate,3.78,1.98,False,False,False,False,False,0.794,70.0,56.3,super_preferred_longevity,100.0,baseline,0.818,1.0,True,41.2,False,,500000.0,14663.38,14765.28,14910.64,3541.28,False,0,2.23,9.8
LI-2024-INS004-002470,2024-04-13,1,45,46,1979,female,never_smoker,33.4,71,239,WA,USA,married,high_school,professional,67590.08,0.4972,simplified_issue,145,78,277,49,5.65,109,8.7,False,65.6,,False,False,False,False,False,none,,type_2,none,depression,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,42,UW-059,2.25,whole_life,5000000,monthly,44418.09,,none,29621.92,,,True,none,independent_broker,False,False,False,0.003155,0.012174,SOA_2015_VBT,SOA_Scale_MP2023,2.315,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,False,,1.0,False,,,,0.06,0.0781,False,normal_rate,4.77,0.53,False,False,False,False,False,0.944,51.3,50.3,super_preferred_longevity,95.4,baseline,1.127,0.54,False,,False,,4970378.08,351002.78,356278.53,355344.72,84394.37,False,0,-1.0,-15.54
LI-2024-INS004-002471,2015-06-06,1,36,37,1979,male,never_smoker,34.0,64,198,AL,USA,married,bachelors,white_collar,52024.36,0.2863,accelerated_UW,157,94,235,65,3.62,119,5.3,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,13,UW-144,1.5,term_life,500000,annual,2241.54,30.0,none,,,,False,none,independent_broker,False,False,False,0.002134,0.005459,SOA_2015_VBT,SOA_Scale_MP2023,1.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001067,0.018,False,,1.0,False,,,,0.1,0.2059,False,normal_rate,5.95,1.71,False,False,False,False,False,0.778,55.4,54.4,super_preferred_longevity,98.4,baseline,1.285,0.305,False,,False,,500000.0,18443.34,15301.54,17932.32,4258.93,False,0,2.05,13.0
LI-2024-INS004-002472,2007-10-11,20,54,74,1953,male,never_smoker,28.3,76,232,NH,USA,married,some_college,light_blue_collar,78908.51,0.7317,full_paramedical,138,82,222,42,5.29,108,,False,,13.37,False,False,False,False,False,none,,none,none,bipolar,21,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-100,2.0,whole_life,250000,quarterly,3117.45,,none,4246.55,,,False,none,captive_agent,False,False,False,0.035557,0.107734,SOA_2015_VBT,SOA_Scale_MP2023,2.134,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035557,0.012,False,,1.0,False,,,,0.015,0.0167,False,normal_rate,1.87,2.2,False,False,False,False,False,0.997,34.8,17.5,standard_longevity,49.7,baseline,0.951,0.85,True,84.3,False,,245753.45,23058.45,18917.09,21822.15,6546.64,False,0,1.34,1.71
LI-2024-INS004-002473,2020-02-28,1,34,35,1986,female,never_smoker,34.9,58,166,NM,USA,married,bachelors,hazardous,20000.0,0.787,full_paramedical,138,91,206,43,4.79,98,5.8,False,87.0,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,4.45,,True,True,False,False,25,UW-023,1.0,universal_life,500000,monthly,1404.17,,15yr_declining,837.08,,,True,none,employer_group,False,False,False,0.001517,0.005673,SOA_2015_VBT,SOA_Scale_MP2023,1.011,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00428,1.0,False,,,,0.12,0.0694,False,normal_rate,2.35,2.93,False,False,False,False,False,0.86,67.6,55.0,super_preferred_longevity,100.0,baseline,0.91,0.839,False,,False,,499162.92,10574.51,10105.76,11233.36,2667.92,False,0,3.91,21.7
LI-2024-INS004-002474,2011-04-12,5,40,45,1971,male,never_smoker,37.1,60,190,MT,USA,married,high_school,white_collar,47602.84,0.4523,full_paramedical,155,97,211,20,10.55,111,5.7,False,94.5,0.66,True,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,21,UW-061,1.75,term_life,5000000,monthly,36901.16,15.0,none,,,,True,none,captive_agent,False,False,False,0.003662,0.01028,SOA_2015_VBT,SOA_Scale_MP2023,1.772,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002747,0.018,False,,1.0,False,,,,0.07,0.0937,False,normal_rate,3.09,2.09,False,False,False,False,False,0.775,50.9,45.9,super_preferred_longevity,88.1,baseline,1.161,0.527,False,,False,,5000000.0,304215.82,307595.48,295209.28,70112.2,False,0,1.94,3.14
LI-2024-INS004-002475,2001-09-18,19,25,44,1976,male,current_smoker,26.0,74,202,ID,USA,married,less_than_hs,white_collar,20000.0,0.7408,limited_exam,121,76,194,56,3.46,95,5.7,True,81.6,4.61,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-341,1.5,whole_life,5000000,monthly,28389.86,,none,36940.0,,,True,coinsurance,employer_group,False,True,False,0.006811,0.013845,SOA_2015_VBT,SOA_Scale_MP2023,1.623,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.018,False,,1.0,False,,,,0.015,0.0199,False,normal_rate,4.78,1.88,False,False,False,False,False,0.912,67.8,54.6,super_preferred_longevity,100.0,baseline,0.944,0.579,True,69.0,False,,4963060.0,234397.7,231068.14,227118.88,53940.73,False,0,4.34,12.8
LI-2024-INS004-002476,2006-05-17,8,58,66,1948,male,current_smoker,32.4,66,201,WV,USA,married,high_school,white_collar,20966.58,0.597,full_paramedical,141,87,221,27,8.19,100,5.5,True,67.1,3.69,False,False,False,False,False,none,,none,mild_gold_1,none,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,41,UW-225,2.25,term_life,500000,annual,6928.49,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.035687,0.129139,SOA_2015_VBT,SOA_Scale_MP2023,2.251,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044609,0.008,False,,1.0,False,,,,0.05,0.0856,False,normal_rate,3.77,0.78,False,False,False,False,False,0.813,29.2,21.2,standard_longevity,53.3,baseline,1.052,0.479,False,,False,,500000.0,51303.71,50822.89,55427.92,13164.13,False,0,0.55,-14.59
LI-2024-INS004-002477,2017-02-10,2,53,55,1964,male,never_smoker,38.9,65,233,OH,USA,single,bachelors,white_collar,66032.21,0.6257,full_paramedical,123,86,173,37,4.68,105,4.8,False,83.7,2.4,False,False,False,False,False,none,,none,none,depression,11,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-471,1.5,term_life,250000,semi_annual,1495.33,15.0,none,,,,False,none,independent_broker,False,False,False,0.007905,0.017087,SOA_2015_VBT,SOA_Scale_MP2023,1.612,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003953,0.015,False,,1.0,False,,,,0.07,0.084,False,normal_rate,4.39,2.65,False,False,False,False,False,0.888,37.3,35.3,preferred_longevity,74.8,baseline,1.031,0.652,False,,False,,250000.0,11909.65,12557.09,11962.64,2841.13,False,0,4.98,3.47
LI-2024-INS004-002478,2010-10-04,4,74,78,1936,male,never_smoker,20.1,63,113,NV,USA,single,high_school,hazardous,89355.74,0.5625,full_paramedical,140,93,180,53,3.4,72,,False,55.3,10.61,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,3.85,2.0,True,False,False,False,25,UW-343,1.5,term_life,500000,monthly,5602.09,15.0,none,,,,False,none,employer_group,False,False,False,0.050381,0.1071,SOA_2015_VBT,SOA_Scale_MP2023,1.508,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02519,0.005,False,,1.0,False,,,,0.07,0.105,False,normal_rate,1.15,0.86,False,False,False,False,False,0.789,11.1,7.9,sub_standard_longevity,32.8,baseline,1.078,0.476,True,67.1,False,,500000.0,17962.15,17679.34,17702.6,16066.8,False,0,2.08,1.43
LI-2024-INS004-002479,2008-11-17,16,77,93,1931,female,never_smoker,28.5,70,198,NC,USA,married,some_college,light_blue_collar,73893.64,0.4862,full_paramedical,144,92,202,55,3.67,77,5.5,False,64.0,,True,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-004,2.25,indexed_ul,500000,annual,8166.65,,10yr_declining,9826.58,,,False,none,independent_broker,True,False,False,0.139775,0.538922,SOA_2015_VBT,SOA_Scale_MP2023,2.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.174719,0.005,False,,1.0,False,,,,0.04,0.0524,False,normal_rate,1.8,1.11,False,False,False,False,False,0.96,14.0,1.4,sub_standard_longevity,31.9,baseline,1.135,0.499,False,,True,0.252,490173.42,4474.22,4163.68,4573.32,27668.61,False,0,-0.93,-19.8
LI-2024-INS004-002480,2000-07-04,26,22,48,1978,female,never_smoker,25.8,72,190,NM,USA,single,some_college,professional,23539.67,0.1407,full_paramedical,128,75,269,62,4.34,85,5.8,False,,,False,False,False,True,False,none,,none,none,substance_use_disorder,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,38,UW-179,2.5,term_life,500000,monthly,5065.74,20.0,none,,,,False,none,independent_broker,False,False,False,0.00367,0.018432,SOA_2015_VBT,SOA_Scale_MP2023,2.526,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005505,0.018,False,,1.0,False,,,,0.03,0.0476,False,normal_rate,5.08,0.63,False,False,False,False,False,0.906,70.0,44.0,super_preferred_longevity,80.6,baseline,1.394,0.176,False,,False,,500000.0,39293.92,36358.54,40525.92,9624.91,False,0,-0.63,-20.0
LI-2024-INS004-002481,2010-03-14,8,34,42,1976,female,never_smoker,26.1,64,151,TX,USA,married,bachelors,professional,37077.3,0.6725,full_paramedical,103,54,199,54,3.69,99,,False,108.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,23,UW-127,0.68,term_life,100000,quarterly,246.08,20.0,none,,,,False,none,captive_agent,False,False,False,0.002366,0.001543,SOA_2015_VBT,SOA_Scale_MP2023,0.655,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0581,False,normal_rate,4.48,1.24,False,False,False,False,False,0.844,62.5,54.5,super_preferred_longevity,100.0,baseline,0.996,0.633,True,33.6,False,,100000.0,1832.7,1841.06,1968.64,467.55,False,0,6.58,25.47
LI-2024-INS004-002482,2021-12-06,5,42,47,1979,female,former_smoker,21.9,70,152,CO,USA,single,graduate,light_blue_collar,140200.19,0.5621,full_paramedical,136,90,276,66,4.18,91,5.2,False,,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-224,1.25,whole_life,1000000,semi_annual,4252.81,,none,3127.84,,,True,quota_share,captive_agent,False,False,False,0.004421,0.012585,SOA_2015_VBT,SOA_Scale_MP2023,1.495,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001105,0.018,True,0.00435,1.0,False,,,,0.04,0.05,False,normal_rate,2.46,2.86,False,False,False,False,False,0.765,54.5,49.5,super_preferred_longevity,95.2,baseline,1.078,0.591,False,,False,,996872.16,35286.66,29953.56,34022.48,8080.34,False,0,1.55,6.99
LI-2024-INS004-002483,2003-05-03,3,31,34,1972,male,former_smoker,26.5,65,159,NE,USA,divorced,high_school,professional,149525.48,0.6783,limited_exam,124,73,170,49,3.47,81,,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-060,0.79,term_life,250000,monthly,624.9,15.0,none,,,,False,none,captive_agent,False,False,False,0.00233,0.001813,SOA_2015_VBT,SOA_Scale_MP2023,0.785,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.081,False,normal_rate,4.28,2.49,False,False,False,False,False,0.908,61.0,64.9,super_preferred_longevity,100.0,baseline,0.991,0.677,True,84.1,False,,250000.0,5180.9,4343.16,4999.2,1187.31,False,0,1.92,25.18
LI-2024-INS004-002484,2008-02-06,9,26,35,1982,female,never_smoker,24.5,62,134,KS,USA,married,high_school,professional,154186.63,0.6115,full_paramedical,124,70,269,39,6.9,87,,False,96.0,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-434,1.5,term_life,500000,quarterly,2154.55,20.0,none,,,,False,none,bank,False,False,False,0.001517,0.00327,SOA_2015_VBT,SOA_Scale_MP2023,1.59,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000758,0.02,False,,1.0,False,,,,0.05,0.0605,False,normal_rate,4.02,1.49,False,False,False,False,False,0.912,70.0,55.0,super_preferred_longevity,100.0,baseline,1.041,0.625,False,,False,,500000.0,16474.9,15900.26,17236.4,4093.65,False,0,0.45,4.43
LI-2024-INS004-002485,2024-02-26,1,26,27,1998,male,never_smoker,38.7,76,318,NH,USA,single,bachelors,white_collar,123685.89,0.9204,accelerated_UW,124,78,176,44,4.0,125,4.5,False,,,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,26,UW-066,1.5,annuity_deferred,2000000,annual,7241.42,,none,4740.99,,,True,quota_share,direct_to_consumer,False,False,False,0.001279,0.002214,SOA_2015_VBT,SOA_Scale_MP2023,1.521,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000639,0.022,False,,1.0,False,,,,0.06,0.0809,False,normal_rate,3.92,2.22,False,False,False,False,False,0.779,70.0,55.0,super_preferred_longevity,100.0,baseline,0.81,0.957,False,,False,,1995259.01,58051.57,60532.81,57931.36,13758.7,False,0,4.16,6.63
LI-2024-INS004-002486,2002-01-27,1,49,50,1953,female,never_smoker,28.4,61,150,MT,USA,single,high_school,professional,20000.0,0.5052,full_paramedical,106,61,231,51,4.53,112,,False,95.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,16,UW-101,0.55,whole_life,2000000,quarterly,4565.31,,none,2670.44,,,True,excess_of_loss,worksite,False,False,False,0.003709,0.002557,SOA_2015_VBT,SOA_Scale_MP2023,0.615,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0778,False,normal_rate,4.6,2.58,True,False,False,False,False,0.815,42.9,41.9,super_preferred_longevity,82.9,baseline,1.121,0.439,False,,False,,1997329.56,34779.91,36614.26,36522.48,8674.09,False,0,5.91,34.69
LI-2024-INS004-002487,2011-08-16,6,59,65,1952,female,never_smoker,30.7,63,173,CO,USA,divorced,high_school,heavy_blue_collar,91242.14,0.2117,full_paramedical,138,85,203,53,3.83,91,,False,79.3,,False,False,False,False,False,none,,none,none,none,13,False,False,False,False,False,substandard_table_1,0.96,1.0,False,False,False,False,10,UW-283,1.25,whole_life,250000,monthly,1923.98,,none,1529.09,,,False,none,independent_broker,False,True,False,0.012825,0.028493,SOA_2015_VBT,SOA_Scale_MP2023,1.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003206,0.012,False,,1.0,True,2026-04-25,replacement,6.0,0.02,0.0306,False,normal_rate,5.35,0.7,False,False,True,False,False,0.982,31.6,25.6,standard_longevity,54.1,baseline,1.341,0.332,False,,False,,248470.91,14875.91,13198.92,15391.84,3655.56,False,0,4.82,7.77
LI-2024-INS004-002488,2008-06-21,19,47,66,1961,female,former_smoker,39.2,67,250,GA,USA,widowed,high_school,white_collar,208731.34,0.4353,limited_exam,141,79,264,40,6.6,114,5.4,False,70.9,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-009,2.0,indexed_ul,1000000,monthly,9975.47,,10yr_declining,12839.8,,,True,coinsurance,captive_agent,False,False,False,0.020025,0.072264,SOA_2015_VBT,SOA_Scale_MP2023,2.223,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020025,0.015,False,,1.0,False,,,,0.04,0.0541,False,normal_rate,4.64,1.4,False,False,False,True,False,0.945,46.1,27.1,standard_longevity,59.7,baseline,1.174,0.436,False,,False,,987160.2,75145.28,69425.58,79803.76,18953.39,False,0,-2.82,-10.09
LI-2024-INS004-002489,2012-10-08,8,20,28,1992,male,never_smoker,23.4,60,119,NH,USA,single,high_school,light_blue_collar,47914.91,0.5829,non_med_guaranteed,121,70,214,47,4.55,72,4.9,False,101.4,,True,False,True,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,41,UW-017,1.25,universal_life,250000,annual,737.58,,10yr_declining,603.49,,,True,quota_share,captive_agent,False,False,False,0.001334,0.002444,SOA_2015_VBT,SOA_Scale_MP2023,1.489,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000333,0.022,False,,1.0,False,,,,0.06,0.0333,False,normal_rate,2.86,2.01,False,False,False,False,False,0.779,70.0,55.0,super_preferred_longevity,100.0,baseline,1.063,0.566,False,,False,,249396.51,5587.21,5429.19,5900.64,1401.4,False,0,3.8,13.61
LI-2024-INS004-002490,2018-10-16,5,48,53,1970,male,never_smoker,27.8,63,157,FL,USA,widowed,bachelors,white_collar,126878.11,0.8377,full_paramedical,126,73,194,59,3.29,79,,False,80.2,4.86,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,25,UW-494,0.61,term_life,500000,annual,1491.26,20.0,none,,,,False,none,worksite,False,False,False,0.006813,0.00332,SOA_2015_VBT,SOA_Scale_MP2023,0.559,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0721,False,normal_rate,3.43,1.17,False,False,False,False,False,0.825,44.3,39.3,super_preferred_longevity,84.0,baseline,0.872,0.637,False,,False,,500000.0,13086.39,11286.55,11930.08,2833.39,False,0,3.58,38.14
LI-2024-INS004-002491,2011-04-17,8,69,77,1942,female,never_smoker,27.6,66,170,ND,USA,divorced,bachelors,heavy_blue_collar,173414.71,0.9079,full_paramedical,152,93,249,37,6.73,98,5.4,False,85.3,,True,False,False,False,False,none,,none,none,depression,3,False,True,False,False,False,substandard_table_2,1.48,2.0,False,False,False,False,20,UW-499,1.5,universal_life,250000,monthly,2696.21,,15yr_declining,2232.43,,,False,none,independent_broker,False,False,False,0.035516,0.066136,SOA_2015_VBT,SOA_Scale_MP2023,1.663,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017758,0.008,False,,1.0,False,,,,0.06,0.0263,False,normal_rate,2.98,2.73,False,False,False,False,False,0.757,22.6,14.6,standard_longevity,48.0,baseline,0.819,0.862,False,,False,,247767.57,15466.69,14409.67,15745.87,6287.56,False,0,2.08,12.83
LI-2024-INS004-002492,2006-06-19,21,80,101,1926,male,never_smoker,28.8,75,230,WI,USA,married,graduate,heavy_blue_collar,129003.55,0.6616,full_paramedical,160,103,194,57,3.4,85,,False,30.7,14.12,False,True,False,True,True,lung,0.9,none,none,none,2,False,True,False,False,True,declined,,,False,False,True,False,32,UW-156,7.0,indexed_ul,2000000,monthly,131085.71,,15yr_declining,183413.17,,,True,quota_share,bank,False,False,False,0.237718,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.343,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.04,0.0468,False,normal_rate,2.12,2.67,False,False,False,False,False,0.852,5.0,1.0,sub_standard_longevity,23.9,baseline,1.004,0.64,False,,False,,1816586.83,52243.31,54681.66,52434.28,448313.13,False,0,-5.0,-20.0
LI-2024-INS004-002493,2005-08-02,16,59,75,1946,male,never_smoker,29.3,69,198,NV,USA,married,graduate,professional,246663.76,0.3684,limited_exam,138,89,212,41,5.17,104,4.3,False,47.9,13.43,True,True,False,True,False,none,,none,none,depression,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,46,UW-376,2.5,whole_life,500000,monthly,7349.96,,none,8341.28,,,False,none,employer_group,False,False,False,0.038503,0.184264,SOA_2015_VBT,SOA_Scale_MP2023,2.685,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.057755,0.008,False,,1.0,False,,,,0.015,0.0253,False,normal_rate,4.86,2.73,False,False,False,False,False,0.773,27.0,11.0,sub_standard_longevity,34.5,baseline,1.224,0.274,False,,False,,491658.72,34895.5,32793.06,32339.82,19256.9,False,0,0.75,-20.0
LI-2024-INS004-002494,2017-05-27,10,20,30,1997,male,never_smoker,26.7,60,136,ID,USA,divorced,graduate,light_blue_collar,44768.92,0.9605,simplified_issue,113,69,169,53,3.19,91,,False,94.7,,False,True,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-172,2.25,universal_life,250000,annual,1317.36,,10yr_declining,1203.4,,,False,none,independent_broker,False,False,False,0.00146,0.004603,SOA_2015_VBT,SOA_Scale_MP2023,2.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,False,,1.0,False,,,,0.06,0.0252,False,normal_rate,3.68,2.33,False,False,False,False,False,0.77,70.0,55.0,super_preferred_longevity,100.0,baseline,0.78,0.892,False,,False,,248796.6,10425.37,9921.88,10538.88,2502.98,False,0,-0.4,-5.39
LI-2024-INS004-002495,2024-04-04,2,44,46,1980,male,never_smoker,22.6,67,144,OH,USA,married,some_college,light_blue_collar,97409.63,0.9169,full_paramedical,116,64,162,50,3.24,108,4.5,False,107.4,1.12,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,44,UW-428,2.25,annuity_deferred,1000000,monthly,8162.21,,none,5243.85,,,True,none,captive_agent,False,False,False,0.003943,0.012812,SOA_2015_VBT,SOA_Scale_MP2023,2.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004929,0.02,False,,1.0,False,,,,0.04,0.0387,False,normal_rate,2.79,1.74,False,False,False,False,False,0.983,50.3,48.3,super_preferred_longevity,98.7,baseline,0.812,0.863,False,,False,,994756.15,66267.04,67369.51,65297.68,15508.2,False,0,0.56,-12.82
LI-2024-INS004-002496,2022-05-12,4,76,80,1946,male,never_smoker,24.3,61,128,AL,USA,married,bachelors,white_collar,103315.45,0.6353,full_paramedical,133,74,189,50,3.78,98,5.6,False,89.8,10.42,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,True,False,False,False,standard,,,False,True,False,False,20,UW-358,1.0,annuity_immediate,1000000,semi_annual,7501.88,,none,,,,True,quota_share,employer_group,False,False,False,0.059507,0.06783,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00193,1.0,False,,,,0.005,0.0072,False,normal_rate,2.34,0.85,False,False,False,False,False,0.865,14.1,10.8,standard_longevity,48.2,baseline,1.024,0.662,True,54.3,False,,1000000.0,30037.94,31350.61,32408.12,19774.96,False,0,-0.69,11.62
LI-2024-INS004-002497,2012-08-23,14,50,64,1962,male,never_smoker,25.1,64,146,WA,USA,married,high_school,heavy_blue_collar,227909.41,0.2993,limited_exam,131,85,212,39,5.44,84,4.8,False,84.5,3.06,True,False,False,False,False,none,,none,none,none,4,False,False,False,True,True,substandard_table_1,0.78,1.0,False,False,False,False,54,UW-152,1.25,whole_life,2000000,quarterly,13962.16,,none,15413.55,,,True,none,captive_agent,True,False,False,0.01644,0.03158,SOA_2015_VBT,SOA_Scale_MP2023,1.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00411,0.015,False,,1.0,False,,,,0.015,0.0219,False,normal_rate,4.49,0.71,False,False,False,False,False,0.871,38.7,25.4,standard_longevity,55.1,baseline,1.276,0.309,True,42.3,False,,1984586.45,115724.67,107875.12,111697.28,26528.1,False,0,4.35,13.9
LI-2024-INS004-002498,2008-08-15,6,50,56,1958,male,never_smoker,27.2,62,148,AL,USA,married,bachelors,professional,75157.1,0.7423,non_med_guaranteed,140,81,163,47,3.47,92,,False,92.3,1.07,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-257,2.25,term_life,1000000,monthly,10791.35,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.008012,0.027518,SOA_2015_VBT,SOA_Scale_MP2023,2.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010015,0.012,False,,1.0,False,,,,0.05,0.0553,False,normal_rate,3.92,0.74,False,False,False,False,False,0.996,39.6,34.2,preferred_longevity,74.9,baseline,0.943,0.866,True,39.4,False,,1000000.0,93547.93,78363.1,86330.8,20503.56,False,0,1.03,-15.39
LI-2024-INS004-002499,2010-07-13,17,24,41,1986,female,never_smoker,30.5,58,146,WY,USA,divorced,some_college,white_collar,102859.36,0.4085,accelerated_UW,112,61,218,71,3.07,95,5.2,False,96.7,,False,True,False,False,False,none,,none,none,none,4,False,True,False,False,False,preferred,,,False,False,False,True,20,UW-398,0.76,universal_life,500000,monthly,1290.12,,10yr_declining,1630.29,,,False,none,independent_broker,False,False,False,0.002209,0.002228,SOA_2015_VBT,SOA_Scale_MP2023,0.845,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0549,False,normal_rate,4.76,1.51,False,False,False,False,False,0.88,70.0,52.4,super_preferred_longevity,97.2,baseline,1.194,0.217,True,29.5,False,,498369.71,10871.57,9026.48,10320.96,2451.23,False,0,5.02,21.63
LI-2024-INS004-002500,2007-12-17,18,32,50,1975,male,never_smoker,22.3,75,178,NE,USA,divorced,bachelors,professional,20000.0,0.762,full_paramedical,121,74,189,50,3.78,71,,False,,4.26,False,False,False,False,False,none,,none,none,schizophrenia,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-461,2.25,term_life,500000,semi_annual,4814.45,15.0,none,,,,True,none,captive_agent,True,False,False,0.005359,0.018558,SOA_2015_VBT,SOA_Scale_MP2023,2.383,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.018,False,,1.0,False,,,,0.03,0.0327,False,normal_rate,2.9,0.52,False,False,False,False,False,0.835,60.7,42.7,super_preferred_longevity,88.0,baseline,0.928,0.77,False,,False,,500000.0,38223.14,39821.96,38515.6,9147.46,False,0,2.09,-14.45
LI-2024-INS004-002501,2001-09-25,25,49,74,1952,female,never_smoker,29.4,60,150,RI,USA,married,high_school,light_blue_collar,84365.54,0.4726,full_paramedical,132,82,286,44,6.5,104,,False,,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-142,1.5,whole_life,1000000,quarterly,9159.86,,none,15009.85,,,True,excess_of_loss,captive_agent,False,False,False,0.028104,0.063471,SOA_2015_VBT,SOA_Scale_MP2023,1.535,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014052,0.012,False,,1.0,False,,,,0.015,0.0198,False,normal_rate,3.46,1.52,False,False,False,False,False,0.963,42.7,18.3,standard_longevity,47.0,baseline,1.146,0.392,False,,True,0.428,984990.15,63776.92,58064.63,67050.18,18649.47,False,0,4.2,2.86
LI-2024-INS004-002502,2015-03-09,9,38,47,1977,male,never_smoker,24.2,75,193,PA,USA,single,bachelors,white_collar,115769.11,0.4269,accelerated_UW,133,90,192,56,3.43,80,5.3,False,,0.48,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,True,37,UW-499,2.0,whole_life,2000000,quarterly,15915.6,,none,14669.19,,,True,quota_share,bank,False,False,False,0.004251,0.014993,SOA_2015_VBT,SOA_Scale_MP2023,2.142,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004251,0.018,False,,1.0,False,,,,0.02,0.0272,False,normal_rate,2.37,1.78,False,False,False,True,False,0.85,53.7,44.1,super_preferred_longevity,85.1,baseline,1.18,0.304,True,29.0,False,,1985330.81,115751.57,121708.93,127324.8,30239.64,False,0,0.83,-5.12
LI-2024-INS004-002503,2013-12-15,8,55,63,1958,female,never_smoker,20.8,64,121,NV,USA,married,some_college,light_blue_collar,56107.34,0.8449,accelerated_UW,126,79,192,57,3.37,60,5.2,False,74.6,,False,False,True,False,False,none,,none,none,none,0,False,False,False,True,True,preferred_plus,,,False,False,False,True,44,UW-077,0.68,term_life,100000,monthly,360.73,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.011602,0.006332,SOA_2015_VBT,SOA_Scale_MP2023,0.63,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0512,False,normal_rate,3.5,1.45,False,False,False,False,False,0.773,42.0,34.0,super_preferred_longevity,86.2,baseline,0.866,0.925,False,,False,,100000.0,2614.47,2657.79,2885.84,685.39,False,0,2.7,27.61
LI-2024-INS004-002504,2015-04-18,3,29,32,1986,male,never_smoker,27.7,66,171,IL,USA,single,some_college,light_blue_collar,36668.62,0.7981,full_paramedical,134,82,225,42,5.36,64,4.5,False,120.0,,True,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,24,UW-224,1.25,term_life,1000000,semi_annual,3074.38,20.0,none,,,,True,quota_share,bank,False,False,False,0.001611,0.002336,SOA_2015_VBT,SOA_Scale_MP2023,1.331,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.02,False,,1.0,False,,,,0.07,0.0743,False,normal_rate,2.78,2.97,False,False,False,False,False,0.752,65.7,54.4,super_preferred_longevity,100.0,baseline,0.901,0.878,False,,True,-0.407,1000000.0,22902.54,21535.14,24595.04,5841.32,False,0,3.42,16.42
LI-2024-INS004-002505,2021-06-13,5,78,83,1943,male,never_smoker,30.8,67,196,AZ,USA,divorced,high_school,professional,78617.8,0.7559,simplified_issue,146,85,301,40,7.53,98,5.2,False,52.1,9.79,True,False,False,False,True,colorectal,0.8,none,none,none,3,False,False,False,False,True,standard,,,False,True,False,False,23,UW-420,1.0,term_life,500000,semi_annual,3189.49,25.0,none,,,,True,excess_of_loss,captive_agent,True,False,False,0.075261,0.078071,SOA_2015_VBT,SOA_Scale_MP2023,1.054,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00406,1.0,False,,,,0.07,0.0767,False,normal_rate,2.33,2.63,False,False,False,False,True,0.769,9.1,4.3,sub_standard_longevity,30.3,baseline,0.933,0.678,True,48.5,False,,500000.0,5015.38,4968.69,5485.92,10066.03,False,0,4.5,22.46
LI-2024-INS004-002506,2008-08-23,3,40,43,1968,male,never_smoker,21.3,74,165,OK,USA,divorced,some_college,light_blue_collar,37104.37,0.4078,full_paramedical,116,69,247,48,5.15,86,5.3,False,,1.07,False,False,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-324,1.25,annuity_immediate,100000,monthly,477.14,,none,,,,False,none,direct_to_consumer,True,False,False,0.003171,0.005553,SOA_2015_VBT,SOA_Scale_MP2023,1.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000793,0.015,False,,1.0,False,,,,0.005,0.0096,False,normal_rate,2.8,1.9,False,True,False,False,True,0.926,50.0,47.0,super_preferred_longevity,89.1,baseline,1.194,0.606,False,,False,,100000.0,4014.23,3501.64,3817.12,906.57,False,0,4.34,8.81
LI-2024-INS004-002507,2008-05-23,11,28,39,1980,female,never_smoker,30.2,60,154,UT,USA,married,some_college,white_collar,20000.0,0.3651,full_paramedical,129,76,219,75,2.92,106,5.4,False,87.5,,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-096,1.25,term_life,1000000,monthly,3581.83,25.0,none,,,,True,none,captive_agent,False,False,False,0.001936,0.003614,SOA_2015_VBT,SOA_Scale_MP2023,1.319,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000484,0.02,False,,1.0,False,,,,0.03,0.0422,False,normal_rate,2.16,1.55,False,False,False,False,False,0.984,68.1,55.0,super_preferred_longevity,100.0,baseline,1.226,0.429,False,,False,,1000000.0,29587.56,26160.53,28654.64,6805.48,False,0,5.62,14.17
LI-2024-INS004-002508,2009-07-18,18,76,94,1933,male,former_smoker,26.9,75,215,SD,USA,widowed,graduate,white_collar,168899.22,0.4848,full_paramedical,137,91,257,61,4.21,103,,False,74.5,11.9,True,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-305,1.25,whole_life,1000000,monthly,10618.93,,none,13551.9,,,True,none,captive_agent,False,False,False,0.248517,0.447908,SOA_2015_VBT,SOA_Scale_MP2023,1.366,cancer,True,2014-07-12,False,False,848900.73,0.0007,5e-05,1.095,0.062129,0.005,False,,1.0,False,,,,0.015,0.0197,False,normal_rate,7.04,2.88,False,False,False,False,False,0.883,8.3,1.0,sub_standard_longevity,21.3,baseline,1.136,0.732,False,,False,,986448.1,4401.99,4053.55,4247.57,36316.74,False,0,3.59,10.9
LI-2024-INS004-002509,2003-02-07,23,49,72,1954,female,never_smoker,22.2,72,163,CA,USA,married,some_college,professional,113427.2,0.7971,simplified_issue,125,79,197,54,3.65,113,,False,66.6,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,25,UW-162,0.65,group_life,250000,semi_annual,892.77,,none,,,,False,none,independent_broker,False,False,False,0.024174,0.01411,SOA_2015_VBT,SOA_Scale_MP2023,0.647,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.1,0.1062,False,normal_rate,3.18,1.6,False,False,False,False,False,0.912,44.2,21.2,standard_longevity,56.3,baseline,0.902,0.619,False,,False,,250000.0,7420.09,6474.56,7142.16,1696.26,False,0,4.24,29.13
LI-2024-INS004-002510,2005-10-20,21,73,94,1932,female,never_smoker,32.1,60,164,VA,USA,married,some_college,white_collar,65914.65,0.4271,full_paramedical,162,85,214,51,4.2,104,5.7,False,78.0,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-398,2.0,term_life,500000,annual,8541.5,20.0,none,,,,False,none,bank,True,False,False,0.152169,0.553553,SOA_2015_VBT,SOA_Scale_MP2023,2.236,other,True,2019-11-02,False,False,1315264.92,0.0007,5e-05,1.095,0.152169,0.005,False,,1.0,False,,,,0.03,0.0407,False,normal_rate,4.61,2.11,False,False,False,False,False,0.984,14.9,1.0,sub_standard_longevity,20.4,baseline,1.18,0.414,False,,False,,500000.0,3105.89,3068.36,3416.6,29211.93,False,0,-1.55,-14.35
LI-2024-INS004-002511,2024-07-23,2,20,22,2004,male,never_smoker,26.4,67,168,KS,USA,married,bachelors,light_blue_collar,75607.52,0.6703,non_med_guaranteed,109,75,251,54,4.65,121,4.9,False,,,True,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-274,2.0,term_life,1000000,annual,3317.05,15.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.001068,0.003282,SOA_2015_VBT,SOA_Scale_MP2023,2.08,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001068,0.012,False,,1.0,False,,,,0.07,0.0815,False,normal_rate,2.97,1.35,False,False,False,False,False,0.872,70.0,53.1,super_preferred_longevity,100.0,baseline,0.997,0.868,False,,True,-1.241,1000000.0,24117.95,23123.43,26536.4,6302.4,False,0,3.24,-5.11
LI-2024-INS004-002512,2018-04-21,3,38,41,1980,male,former_smoker,33.2,64,193,IN,USA,married,some_college,light_blue_collar,50048.61,0.2421,simplified_issue,114,76,212,55,3.85,120,5.1,False,102.5,1.27,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-380,2.0,annuity_immediate,1000000,annual,5935.22,,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.00359,0.013344,SOA_2015_VBT,SOA_Scale_MP2023,2.061,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00359,0.02,False,,1.0,False,,,,0.005,0.0105,False,normal_rate,2.99,2.65,False,False,False,False,False,0.838,53.6,50.6,super_preferred_longevity,92.0,baseline,1.318,0.107,False,,False,,1000000.0,50277.4,48749.71,47481.76,11276.92,False,0,1.22,-8.75
LI-2024-INS004-002513,2003-09-17,24,28,52,1975,female,never_smoker,30.6,65,184,NH,USA,divorced,bachelors,white_collar,20000.0,0.6147,full_paramedical,148,87,214,44,4.86,125,5.2,False,87.8,,True,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-492,1.5,term_life,250000,monthly,1461.56,20.0,none,,,,False,none,independent_broker,False,False,False,0.005027,0.011592,SOA_2015_VBT,SOA_Scale_MP2023,1.738,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002514,0.018,False,,1.0,False,,,,0.03,0.0362,False,normal_rate,4.55,1.74,False,False,False,False,False,0.973,68.1,46.9,super_preferred_longevity,92.1,baseline,1.039,0.743,True,53.1,False,,250000.0,11014.33,11667.3,11692.48,2776.96,False,0,-1.17,4.37
LI-2024-INS004-002514,2005-11-02,9,65,74,1940,male,never_smoker,21.5,69,145,CA,USA,married,bachelors,white_collar,65942.17,0.5126,full_paramedical,133,88,160,62,2.58,109,5.5,False,76.8,8.51,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-154,1.25,whole_life,250000,annual,1971.81,,none,1800.18,,,False,none,captive_agent,False,False,False,0.033623,0.063954,SOA_2015_VBT,SOA_Scale_MP2023,1.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008406,0.008,False,,1.0,False,,,,0.02,0.0258,False,normal_rate,0.92,1.51,False,False,False,False,False,0.87,20.7,11.7,standard_longevity,37.7,baseline,1.116,0.394,False,,False,,248199.82,9655.98,8328.79,9228.07,5055.72,False,0,0.12,11.41
LI-2024-INS004-002515,2010-05-24,17,31,48,1979,female,never_smoker,34.0,70,237,NE,USA,divorced,high_school,hazardous,43655.86,0.9022,non_med_guaranteed,131,81,262,62,4.23,96,4.7,False,77.1,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,4.66,4.0,True,False,False,False,33,UW-310,2.0,term_life,5000000,quarterly,44982.77,25.0,none,,,,True,none,bank,False,False,False,0.00367,0.009928,SOA_2015_VBT,SOA_Scale_MP2023,2.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00367,0.018,False,,1.0,False,,,,0.03,0.0293,False,normal_rate,3.39,2.97,False,False,False,False,False,0.767,66.9,55.2,super_preferred_longevity,100.0,baseline,0.823,0.948,True,65.5,False,,5000000.0,394987.86,320201.39,359862.16,85467.26,False,0,3.94,-10.18
LI-2024-INS004-002516,2006-04-02,15,65,80,1941,female,never_smoker,29.2,72,214,SD,USA,married,some_college,white_collar,94529.38,0.7676,full_paramedical,140,85,232,37,6.27,99,5.9,False,60.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-223,1.5,universal_life,250000,monthly,2486.74,,15yr_declining,2837.16,,,False,none,captive_agent,False,False,False,0.045732,0.095612,SOA_2015_VBT,SOA_Scale_MP2023,1.721,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022866,0.008,False,,1.0,False,,,,0.04,0.0195,False,normal_rate,3.82,1.24,False,False,False,False,False,0.811,25.9,11.9,standard_longevity,41.9,baseline,0.924,0.754,True,60.6,False,,247162.84,10733.51,11905.32,11836.88,6336.21,False,0,1.57,15.53
LI-2024-INS004-002517,2021-05-22,2,33,35,1988,female,never_smoker,24.0,58,114,TN,USA,married,high_school,professional,29573.4,0.6814,full_paramedical,109,67,144,41,3.51,75,5.2,False,97.8,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-049,2.25,indexed_ul,500000,monthly,2966.02,,10yr_declining,2071.62,,,False,none,independent_broker,False,False,False,0.001517,0.010011,SOA_2015_VBT,SOA_Scale_MP2023,2.315,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.02,True,0.00464,1.0,True,2025-12-12,voluntary_surrender,2.0,0.08,0.0416,False,normal_rate,2.78,2.83,False,False,False,False,False,0.953,65.5,55.0,super_preferred_longevity,100.0,baseline,0.989,0.715,False,,False,,497928.38,22042.83,22700.78,23728.16,5635.44,False,0,4.01,-8.89
LI-2024-INS004-002518,2015-11-28,6,22,28,1993,female,never_smoker,25.9,68,170,NV,USA,married,less_than_hs,white_collar,20000.0,0.6109,full_paramedical,111,50,164,51,3.22,77,4.9,False,,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-134,1.25,annuity_deferred,100000,annual,279.46,,none,207.93,,,False,none,bank,False,False,False,0.001067,0.001719,SOA_2015_VBT,SOA_Scale_MP2023,1.306,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000267,0.022,False,,1.0,False,,,,0.02,0.0242,False,normal_rate,2.92,2.09,False,False,False,False,False,0.916,70.0,55.0,super_preferred_longevity,100.0,baseline,1.042,0.503,False,,False,,99792.07,2204.43,2002.33,2235.68,530.97,False,0,4.08,11.06
LI-2024-INS004-002519,2002-01-04,19,66,85,1936,female,current_smoker,28.2,61,149,SD,USA,married,graduate,white_collar,40781.66,0.1856,full_paramedical,130,78,209,36,5.81,86,,True,67.3,,False,False,False,False,False,none,,none,mild_gold_1,anxiety,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-405,2.0,term_life,1000000,semi_annual,14171.09,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.147443,0.562369,SOA_2015_VBT,SOA_Scale_MP2023,2.068,cancer,True,2019-04-12,False,False,1217661.47,0.0007,5e-05,1.095,0.147443,0.005,False,,1.0,False,,,,0.03,0.0465,False,normal_rate,2.39,0.53,False,False,False,False,False,0.93,21.5,2.5,sub_standard_longevity,19.0,baseline,1.361,0.354,False,,False,,1000000.0,15147.07,14145.83,14171.09,46764.6,False,0,0.19,-11.66
LI-2024-INS004-002520,2024-03-17,2,68,70,1956,female,never_smoker,27.6,70,192,NC,USA,married,bachelors,white_collar,61423.0,0.1847,accelerated_UW,124,86,261,63,4.14,111,5.1,False,75.1,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred,,,False,False,False,True,25,UW-232,0.83,term_life,250000,annual,1378.25,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.020795,0.02231,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.213,False,normal_rate,5.21,1.4,True,False,False,False,False,0.864,23.1,21.1,standard_longevity,46.9,baseline,1.361,0.033,False,,False,,250000.0,11615.95,10821.37,11026.0,2618.67,False,0,4.2,16.42
LI-2024-INS004-002521,2006-05-16,13,24,37,1982,non_binary,never_smoker,29.2,61,154,IN,USA,single,high_school,light_blue_collar,212150.62,0.711,full_paramedical,116,72,192,56,3.43,121,4.9,False,96.6,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-463,1.25,term_life,250000,monthly,864.2,20.0,none,,,,False,none,independent_broker,False,False,False,0.001921,0.002818,SOA_2015_VBT,SOA_Scale_MP2023,1.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00048,0.02,False,,1.0,True,2026-03-06,replacement,13.0,0.03,0.0339,False,normal_rate,3.23,2.53,False,False,True,False,False,0.815,69.7,55.0,super_preferred_longevity,100.0,baseline,0.967,0.633,False,,False,,250000.0,6401.63,6997.79,6913.6,1641.98,False,0,2.26,16.65
LI-2024-INS004-002522,2022-09-28,1,78,79,1944,female,never_smoker,27.4,72,201,NJ,USA,divorced,some_college,professional,30944.02,0.5111,limited_exam,139,88,222,69,3.22,97,5.4,False,81.1,,False,True,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-307,2.0,term_life,2000000,monthly,29104.15,15.0,none,,,,True,quota_share,worksite,False,False,False,0.042953,0.15374,SOA_2015_VBT,SOA_Scale_MP2023,2.211,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042953,0.008,True,0.00474,1.0,False,,,,0.1,0.1291,False,normal_rate,3.06,1.44,False,False,False,False,False,0.977,12.3,12.7,standard_longevity,39.2,baseline,1.117,0.438,True,70.1,False,,2000000.0,157379.14,128825.21,147849.08,72294.71,False,0,4.43,-8.03
LI-2024-INS004-002523,2013-03-12,1,73,74,1940,male,former_smoker,29.6,69,200,TN,USA,divorced,high_school,heavy_blue_collar,101642.69,0.6743,limited_exam,158,101,225,60,3.75,126,5.8,False,85.8,5.37,True,True,True,False,False,none,,pre_diabetes,none,bipolar,3,False,False,False,False,True,substandard_table_4,0.81,4.0,False,False,False,False,28,UW-285,2.0,universal_life,100000,annual,1414.72,,10yr_declining,955.79,,,False,none,captive_agent,False,False,False,0.043709,0.140145,SOA_2015_VBT,SOA_Scale_MP2023,2.219,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.043709,0.008,False,,1.0,False,,,,0.12,0.0627,False,normal_rate,1.1,2.25,False,False,False,False,False,0.896,16.3,15.3,standard_longevity,55.6,baseline,0.994,0.744,False,,False,,99044.21,8645.1,8757.34,8658.09,3219.9,False,0,2.18,-9.87
LI-2024-INS004-002524,2016-09-12,4,74,78,1942,female,unknown,35.3,67,225,GA,USA,married,bachelors,white_collar,20000.0,0.6671,full_paramedical,164,98,228,68,3.35,106,5.4,False,43.5,,True,True,False,False,False,none,,none,none,none,0,True,False,False,False,False,substandard_table_4,4.05,4.0,True,False,False,False,28,UW-130,2.0,universal_life,250000,monthly,3499.63,,10yr_declining,2363.0,,,True,facultative,independent_broker,False,False,False,0.044561,0.139889,SOA_2015_VBT,SOA_Scale_MP2023,2.14,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044561,0.008,False,,1.0,False,,,,0.08,0.042,False,normal_rate,2.33,1.58,False,False,False,False,False,0.791,16.6,15.5,standard_longevity,45.8,baseline,1.0,0.677,False,,True,1.966,247637.0,22222.92,21424.79,21697.71,7909.16,False,0,0.64,-11.05
LI-2024-INS004-002525,2021-06-19,3,29,32,1992,female,never_smoker,35.7,65,214,NE,USA,married,bachelors,professional,27406.48,0.5161,full_paramedical,141,86,213,53,4.02,109,5.2,False,92.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,9,UW-140,1.0,indexed_ul,250000,annual,711.35,,10yr_declining,513.72,,,False,none,independent_broker,False,False,False,0.001289,0.005319,SOA_2015_VBT,SOA_Scale_MP2023,1.088,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00376,1.0,False,,,,0.08,0.1692,False,normal_rate,5.36,0.73,False,False,False,True,False,0.878,69.6,55.3,super_preferred_longevity,100.0,baseline,1.113,0.472,True,35.3,False,,249486.28,5605.46,5963.94,5690.8,1351.56,False,0,1.99,13.37
LI-2024-INS004-002526,2007-06-10,17,77,94,1930,male,current_smoker,26.8,72,197,MD,USA,married,bachelors,professional,53202.14,0.1392,simplified_issue,141,84,201,52,3.87,106,,True,83.9,7.5,False,False,False,False,True,melanoma,2.6,none,none,depression,6,False,False,False,False,True,substandard_table_7,,7.0,False,False,False,False,45,UW-491,2.75,whole_life,250000,quarterly,5811.12,,none,6803.8,3980.22,0.585,False,none,captive_agent,False,True,False,0.376628,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.945,cancer,True,2014-10-24,False,False,198649.7,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.015,0.0143,False,normal_rate,5.06,0.54,False,False,False,False,False,0.923,5.5,1.0,sub_standard_longevity,16.1,baseline,1.396,0.066,False,,False,,243196.2,2256.29,2287.41,2324.45,19874.03,False,0,0.07,-20.0
LI-2024-INS004-002527,2015-06-07,7,35,42,1980,female,former_smoker,26.4,65,158,VT,USA,married,high_school,heavy_blue_collar,141113.36,0.7231,limited_exam,131,87,185,48,3.85,122,,False,,,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,1.36,4.0,False,False,False,False,26,UW-301,2.0,term_life,2000000,annual,13256.36,20.0,none,,,,True,none,captive_agent,False,False,False,0.003075,0.009266,SOA_2015_VBT,SOA_Scale_MP2023,2.102,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003075,0.02,False,,1.0,False,,,,0.05,0.0561,False,normal_rate,3.61,0.84,False,False,False,False,False,0.915,65.5,55.0,super_preferred_longevity,100.0,baseline,0.958,0.798,False,,False,,2000000.0,98284.09,109029.6,106050.88,25187.08,False,0,2.39,-3.34
LI-2024-INS004-002528,2001-02-09,19,79,98,1922,male,never_smoker,28.8,74,224,NE,USA,married,bachelors,heavy_blue_collar,72540.9,0.5718,non_med_guaranteed,138,85,228,49,4.65,91,5.9,False,45.8,20.0,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,0.81,1.0,False,False,False,False,10,UW-140,1.25,group_life,5000000,semi_annual,54316.43,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.181999,0.303416,SOA_2015_VBT,SOA_Scale_MP2023,1.323,infectious,True,2020-01-13,False,False,949918.21,0.0007,5e-05,1.095,0.0455,0.012,False,,1.0,True,2026-05-14,unknown,19.0,0.1,0.1243,False,normal_rate,4.39,1.39,False,False,False,False,False,0.853,5.0,1.0,sub_standard_longevity,22.6,baseline,1.071,0.553,False,,False,,5000000.0,23852.85,21769.23,21726.57,185762.19,False,0,4.04,8.76
LI-2024-INS004-002529,2003-03-07,14,46,60,1957,male,never_smoker,33.4,64,194,IA,USA,divorced,some_college,white_collar,25158.24,0.6803,full_paramedical,121,67,145,48,3.02,103,5.4,False,45.7,1.0,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-401,1.25,term_life,250000,monthly,1464.08,20.0,none,,,,False,none,employer_group,False,False,False,0.011084,0.018591,SOA_2015_VBT,SOA_Scale_MP2023,1.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002771,0.012,False,,1.0,False,,,,0.03,0.0416,False,normal_rate,2.97,0.99,False,True,False,True,False,0.809,43.2,29.2,preferred_longevity,66.5,baseline,0.99,0.518,False,,False,,250000.0,10674.62,11482.69,11712.64,2781.75,False,0,2.67,15.46
LI-2024-INS004-002530,2014-04-23,10,45,55,1969,female,never_smoker,32.5,70,226,HI,USA,married,some_college,white_collar,62363.08,0.2289,full_paramedical,127,76,239,28,8.54,101,5.0,False,65.7,,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,39,UW-160,2.25,term_life,1000000,monthly,11111.96,20.0,none,,,,True,none,captive_agent,False,False,False,0.00642,0.027879,SOA_2015_VBT,SOA_Scale_MP2023,2.328,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008025,0.015,False,,1.0,False,,,,0.05,0.0758,False,normal_rate,4.32,1.7,True,False,False,False,False,0.818,48.5,38.5,preferred_longevity,73.7,baseline,1.328,0.309,False,,False,,1000000.0,92956.92,77418.86,88895.68,21112.72,False,0,4.33,-20.0
LI-2024-INS004-002531,2006-02-27,15,70,85,1936,female,former_smoker,32.6,59,161,VA,USA,married,some_college,white_collar,316233.62,0.4719,full_paramedical,148,78,228,46,4.96,117,8.0,False,62.2,,False,True,False,False,False,none,,type_2,none,depression,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,52,UW-095,2.25,whole_life,2000000,quarterly,33105.07,,none,37362.8,,,True,none,captive_agent,False,False,False,0.095838,0.380882,SOA_2015_VBT,SOA_Scale_MP2023,2.377,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.119798,0.005,False,,1.0,False,,,,0.015,0.0198,False,normal_rate,1.82,1.23,False,False,False,False,False,0.78,18.7,3.5,sub_standard_longevity,24.8,baseline,1.146,0.389,False,,True,-0.155,1962637.2,44026.07,42398.39,46347.1,106598.32,False,0,0.96,-15.33
LI-2024-INS004-002532,2023-03-02,3,52,55,1971,female,never_smoker,23.0,72,169,SC,USA,married,bachelors,white_collar,58614.58,0.5243,full_paramedical,110,64,221,39,5.67,92,,False,82.8,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-494,2.25,indexed_ul,1000000,annual,10633.76,,10yr_declining,7273.92,2000.33,0.275,True,excess_of_loss,employer_group,False,False,False,0.00642,0.024639,SOA_2015_VBT,SOA_Scale_MP2023,2.338,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008025,0.018,False,,1.0,False,,,,0.08,0.0332,False,normal_rate,4.22,1.11,False,False,False,False,False,0.904,43.2,40.2,super_preferred_longevity,80.7,baseline,1.107,0.513,False,,False,,992726.08,79753.57,74436.54,85070.08,20204.14,False,0,-0.57,-16.21
LI-2024-INS004-002533,2013-01-17,10,18,28,1995,male,never_smoker,28.9,71,207,NE,USA,married,high_school,light_blue_collar,106927.35,0.7061,full_paramedical,104,61,242,61,3.97,99,5.0,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,standard,,,False,False,False,False,47,UW-393,1.08,term_life,2000000,quarterly,4635.22,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.001334,0.001463,SOA_2015_VBT,SOA_Scale_MP2023,1.048,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000107,0.022,False,,1.0,False,,,,0.05,0.0568,False,normal_rate,3.6,0.94,False,False,False,True,False,0.936,70.0,55.0,super_preferred_longevity,100.0,baseline,0.97,0.586,False,,False,,2000000.0,36620.75,37741.89,37081.76,8806.92,False,0,2.76,25.48
LI-2024-INS004-002534,2018-12-11,8,48,56,1970,male,former_smoker,31.2,74,243,TX,USA,married,some_college,white_collar,70082.2,0.7102,non_med_guaranteed,104,73,203,44,4.61,81,5.1,False,67.1,3.26,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,16,UW-396,0.82,universal_life,2000000,quarterly,6759.44,,10yr_declining,5423.64,,,True,excess_of_loss,bank,True,False,False,0.011334,0.009254,SOA_2015_VBT,SOA_Scale_MP2023,0.844,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0306,False,normal_rate,3.63,1.22,False,False,False,False,True,0.949,43.8,35.8,preferred_longevity,76.9,baseline,0.967,0.668,False,,False,,1994576.36,58688.25,50873.11,54075.52,12842.94,False,0,0.82,19.64
LI-2024-INS004-002535,2020-06-04,2,80,82,1940,female,former_smoker,34.0,59,168,AR,USA,single,some_college,professional,31195.26,0.6496,full_paramedical,115,69,277,40,6.92,103,6.5,False,68.1,,False,False,True,False,False,none,,type_2,none,depression,1,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,63,UW-148,1.5,whole_life,500000,quarterly,5447.07,,none,3363.26,,,False,none,independent_broker,False,False,False,0.070107,0.149346,SOA_2015_VBT,SOA_Scale_MP2023,1.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035054,0.008,True,0.0026,1.0,False,,,,0.04,0.0472,False,normal_rate,4.06,0.68,False,False,False,False,False,0.848,13.2,12.0,standard_longevity,50.2,baseline,1.013,0.518,True,56.8,False,,496636.74,25264.56,22611.03,26145.94,13835.56,False,0,3.34,-0.64
LI-2024-INS004-002536,2008-02-05,8,46,54,1962,male,never_smoker,26.4,72,194,AK,USA,divorced,high_school,white_collar,217322.92,0.3705,full_paramedical,133,85,139,49,2.84,86,,False,98.2,1.3,True,False,False,False,True,prostate,5.2,none,none,substance_use_disorder,8,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,21,UW-459,2.25,whole_life,1000000,semi_annual,10917.24,,none,9019.24,3237.91,0.359,True,coinsurance,direct_to_consumer,False,True,False,0.007064,0.028886,SOA_2015_VBT,SOA_Scale_MP2023,2.323,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00883,0.015,False,,1.0,False,,,,0.02,0.0236,False,normal_rate,3.16,0.65,False,False,False,False,False,0.831,43.0,35.0,preferred_longevity,70.6,baseline,1.222,0.387,False,,False,,990980.76,79869.6,82639.36,87337.92,20742.76,False,0,1.52,-9.85
LI-2024-INS004-002537,2014-03-18,12,31,43,1983,male,never_smoker,24.5,75,196,NE,USA,divorced,some_college,light_blue_collar,21226.05,0.7176,full_paramedical,113,76,193,48,4.02,86,5.1,False,76.6,4.16,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-065,1.25,term_life,100000,monthly,455.26,15.0,none,,,,False,none,worksite,False,False,False,0.003171,0.004608,SOA_2015_VBT,SOA_Scale_MP2023,1.251,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000793,0.02,False,,1.0,False,,,,0.03,0.0338,False,normal_rate,2.84,2.12,False,False,False,True,False,0.925,62.9,50.9,super_preferred_longevity,99.6,baseline,0.962,0.753,False,,False,,100000.0,3502.35,3281.62,3642.08,864.99,False,0,-0.3,17.25
LI-2024-INS004-002538,2003-02-20,16,48,64,1955,male,never_smoker,30.3,66,187,WA,USA,married,high_school,white_collar,20000.0,0.398,accelerated_UW,110,57,172,49,3.51,103,4.9,False,98.3,2.07,True,False,False,False,True,melanoma,4.5,none,none,none,3,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,True,27,UW-351,1.5,annuity_deferred,250000,annual,1820.57,,none,2161.16,,,False,none,direct_to_consumer,False,False,False,0.015246,0.036823,SOA_2015_VBT,SOA_Scale_MP2023,1.594,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007623,0.012,False,,1.0,False,,,,0.01,0.0193,False,normal_rate,4.62,1.81,False,False,False,False,False,0.779,39.8,23.8,standard_longevity,54.2,baseline,1.202,0.643,False,,False,,247838.84,13763.58,13198.28,14564.56,3459.08,False,0,2.57,7.46
LI-2024-INS004-002539,2010-09-21,10,26,36,1984,male,current_smoker,29.5,65,177,NM,USA,married,graduate,professional,97899.05,0.1598,full_paramedical,105,63,214,44,4.86,129,5.0,True,82.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,7,UW-342,1.0,term_life,250000,semi_annual,664.08,30.0,none,,,,False,none,captive_agent,False,False,False,0.00402,0.00582,SOA_2015_VBT,SOA_Scale_MP2023,1.049,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0786,False,normal_rate,2.92,2.7,False,False,False,False,False,0.862,65.8,54.7,super_preferred_longevity,96.9,baseline,1.38,0.093,False,,True,-0.201,250000.0,5743.74,4820.1,5312.64,1261.75,False,0,0.65,15.09
LI-2024-INS004-002540,2011-08-02,8,38,46,1973,female,former_smoker,30.8,61,163,MA,USA,single,graduate,light_blue_collar,73749.9,0.2959,full_paramedical,146,96,216,53,4.08,117,,False,109.9,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-436,1.5,term_life,500000,monthly,2901.46,20.0,none,,,,False,none,bank,False,False,False,0.004101,0.01019,SOA_2015_VBT,SOA_Scale_MP2023,1.553,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00205,0.018,False,,1.0,False,,,,0.05,0.0732,False,normal_rate,4.79,1.73,False,False,False,False,False,0.894,59.6,51.6,super_preferred_longevity,100.0,baseline,1.278,0.279,False,,False,,500000.0,24399.77,24188.14,23211.68,5512.77,False,0,4.26,14.14
LI-2024-INS004-002541,2015-01-10,3,39,42,1976,male,former_smoker,26.1,75,208,WA,USA,married,high_school,white_collar,177628.52,0.5719,limited_exam,123,74,111,44,2.52,116,5.8,False,80.4,0.56,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,24,UW-015,0.82,term_life,250000,monthly,682.32,20.0,none,,,,False,none,employer_group,False,False,False,0.003844,0.003351,SOA_2015_VBT,SOA_Scale_MP2023,0.814,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.3147,False,normal_rate,2.94,2.43,False,True,False,True,False,0.818,53.1,50.1,super_preferred_longevity,96.2,baseline,1.071,0.584,False,,False,,250000.0,5357.05,5018.48,5458.56,1296.41,False,0,6.35,27.15
LI-2024-INS004-002542,2008-04-13,11,46,57,1962,female,former_smoker,21.4,63,120,RI,USA,widowed,bachelors,light_blue_collar,145831.2,0.7992,full_paramedical,117,63,190,63,3.02,76,,False,69.6,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,23,UW-492,0.8,whole_life,5000000,monthly,19161.06,,none,17932.57,,,True,quota_share,bank,False,False,False,0.009419,0.006701,SOA_2015_VBT,SOA_Scale_MP2023,0.79,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.015,0.0159,False,normal_rate,3.44,2.08,False,False,False,False,False,0.932,48.7,37.7,super_preferred_longevity,81.0,baseline,0.901,0.792,False,,False,,4982067.43,148457.13,144110.78,153288.48,36406.01,False,0,1.86,19.23
LI-2024-INS004-002543,2005-07-12,4,59,63,1946,male,current_smoker,29.3,71,210,NJ,USA,married,less_than_hs,light_blue_collar,32794.51,0.5283,limited_exam,144,85,188,68,2.76,87,6.2,True,97.9,3.21,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,22,UW-368,1.75,indexed_ul,500000,monthly,5220.19,,15yr_declining,3961.52,,,False,none,bank,False,False,False,0.027096,0.075353,SOA_2015_VBT,SOA_Scale_MP2023,1.84,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020322,0.008,False,,1.0,False,,,,0.08,0.046,False,normal_rate,2.04,1.34,False,False,False,False,False,0.785,27.7,23.7,standard_longevity,56.0,baseline,1.104,0.386,False,,False,,496038.48,40625.11,43573.51,41761.52,9918.36,False,0,4.98,-0.34
LI-2024-INS004-002544,2010-07-11,17,51,68,1959,male,never_smoker,24.7,60,126,MA,USA,married,some_college,professional,72098.92,0.532,full_paramedical,130,83,233,60,3.88,88,5.0,False,99.6,4.49,False,False,True,False,False,none,,none,none,none,1,False,False,False,True,True,preferred,,,False,False,False,False,47,UW-132,0.81,term_life,500000,annual,2385.24,20.0,none,,,,False,none,captive_agent,False,False,False,0.022639,0.020563,SOA_2015_VBT,SOA_Scale_MP2023,0.825,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0382,False,normal_rate,3.19,2.25,False,False,False,False,False,0.836,40.9,23.9,preferred_longevity,66.3,baseline,1.101,0.424,False,,False,,500000.0,19549.71,16652.71,19081.92,4531.96,False,0,4.02,18.97
LI-2024-INS004-002545,2001-04-02,11,52,63,1949,male,never_smoker,21.1,72,155,NH,USA,married,high_school,light_blue_collar,185342.81,0.4735,limited_exam,123,77,179,45,3.98,85,5.2,False,,2.68,False,False,True,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,19,UW-131,0.75,term_life,500000,quarterly,2025.43,25.0,none,,,,False,none,independent_broker,False,False,False,0.013878,0.013379,SOA_2015_VBT,SOA_Scale_MP2023,0.842,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0396,False,normal_rate,5.14,1.94,False,False,False,False,False,0.8,37.9,28.4,preferred_longevity,72.2,baseline,1.145,0.427,True,51.0,False,,500000.0,16057.24,15947.15,16203.44,3848.32,False,0,8.07,21.11
LI-2024-INS004-002546,2012-07-25,14,69,83,1943,male,unknown,30.2,69,204,MN,USA,married,graduate,white_collar,63225.93,0.3556,full_paramedical,168,98,244,51,4.78,109,5.1,False,,8.64,False,True,False,False,True,other,2.4,none,none,depression,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-317,2.5,whole_life,1000000,quarterly,16706.55,,none,17354.94,,,True,facultative,captive_agent,False,True,False,0.08655,0.41109,SOA_2015_VBT,SOA_Scale_MP2023,2.635,respiratory,True,2017-03-20,False,False,807311.41,0.0007,5e-05,1.095,0.129825,0.008,False,,1.0,False,,,,0.015,0.0212,False,normal_rate,2.51,2.65,False,False,False,False,False,0.997,16.5,2.6,sub_standard_longevity,21.7,baseline,1.233,0.248,True,48.7,False,,982645.06,17311.46,17634.93,17374.81,54997.96,False,0,-1.02,-20.0
LI-2024-INS004-002547,2005-06-02,15,66,81,1939,female,never_smoker,27.8,70,193,IN,USA,married,some_college,light_blue_collar,339184.05,0.7304,full_paramedical,134,82,222,39,5.69,113,6.0,False,80.4,,False,False,False,False,True,breast,0.9,none,none,none,8,False,False,False,False,True,standard,,,False,True,False,False,31,UW-237,1.0,universal_life,100000,quarterly,626.67,,15yr_declining,722.41,,,False,none,bank,False,False,False,0.05308,0.054839,SOA_2015_VBT,SOA_Scale_MP2023,1.085,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.04,0.0201,False,normal_rate,5.21,0.53,False,False,False,False,False,0.891,24.2,9.2,standard_longevity,37.3,baseline,0.952,0.457,False,,False,,99277.59,2360.97,1965.67,2306.15,1732.11,False,0,3.29,29.2
LI-2024-INS004-002548,2018-01-21,6,63,69,1955,female,never_smoker,41.0,70,285,OR,USA,married,bachelors,white_collar,239263.41,0.7663,full_paramedical,156,81,229,55,4.16,120,4.6,False,59.4,,False,True,False,False,False,none,,none,none,schizophrenia,9,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,44,UW-165,2.25,term_life,250000,annual,3439.51,25.0,none,,,,False,none,worksite,False,False,False,0.018829,0.064633,SOA_2015_VBT,SOA_Scale_MP2023,2.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023536,0.012,False,,1.0,False,,,,0.05,0.0543,False,normal_rate,2.78,0.78,False,False,False,False,False,0.819,30.3,24.3,preferred_longevity,60.4,baseline,0.925,0.625,False,,False,,250000.0,27700.72,26763.01,27516.08,6535.07,False,0,3.1,-10.43
LI-2024-INS004-002549,2017-11-09,8,55,63,1962,male,unknown,30.8,68,202,MO,USA,divorced,high_school,light_blue_collar,93129.57,0.6736,accelerated_UW,146,84,234,37,6.32,93,,False,,2.04,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,7,UW-337,1.5,whole_life,500000,annual,3479.09,,none,2771.97,,,True,facultative,employer_group,False,False,False,0.017344,0.035296,SOA_2015_VBT,SOA_Scale_MP2023,1.543,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008672,0.015,False,,1.0,False,,,,0.02,0.0279,False,normal_rate,4.24,2.83,False,False,False,False,False,0.941,38.2,34.7,super_preferred_longevity,84.7,baseline,0.995,0.736,True,76.2,False,,497228.03,25175.57,26238.7,27832.72,6610.27,False,0,3.14,7.64
LI-2024-INS004-002550,2021-11-06,3,37,40,1984,male,never_smoker,30.8,70,214,UT,USA,married,some_college,light_blue_collar,36975.4,0.2977,full_paramedical,111,71,211,41,5.15,116,4.7,False,93.8,1.04,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,23,UW-105,1.25,annuity_immediate,250000,quarterly,1010.04,,none,,,,False,none,employer_group,True,False,False,0.002583,0.010561,SOA_2015_VBT,SOA_Scale_MP2023,1.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000646,0.02,True,0.0051,1.0,False,,,,0.005,0.0123,False,normal_rate,2.0,1.34,False,False,False,False,False,0.979,55.4,62.9,super_preferred_longevity,100.0,baseline,1.277,0.413,True,89.0,False,,250000.0,8328.55,7061.32,8080.32,1919.08,False,0,3.79,4.92
LI-2024-INS004-002551,2010-09-09,5,42,47,1968,male,never_smoker,32.0,60,163,MS,USA,widowed,some_college,professional,311983.76,0.6868,limited_exam,141,82,224,31,7.23,96,5.1,False,62.0,2.15,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,16,UW-159,1.5,indexed_ul,500000,semi_annual,2614.34,,10yr_declining,1949.11,,,False,none,bank,False,False,False,0.004251,0.009176,SOA_2015_VBT,SOA_Scale_MP2023,1.684,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002125,0.015,False,,1.0,False,,,,0.08,0.0414,False,normal_rate,4.31,2.19,False,False,False,False,False,0.983,52.1,47.1,super_preferred_longevity,100.0,baseline,0.985,0.792,False,,True,0.002,498050.89,20783.24,21212.46,20914.72,4967.25,False,0,-0.37,7.53
LI-2024-INS004-002552,2004-10-04,6,55,61,1949,male,unknown,24.8,68,162,AL,USA,married,high_school,white_collar,23724.04,0.5139,full_paramedical,143,79,196,52,3.77,109,5.4,False,88.5,4.49,False,True,False,False,True,colorectal,6.7,none,none,none,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,36,UW-315,1.25,indexed_ul,500000,monthly,3438.68,,15yr_declining,2721.95,,,True,excess_of_loss,captive_agent,False,False,False,0.013444,0.025719,SOA_2015_VBT,SOA_Scale_MP2023,1.492,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003361,0.008,False,,1.0,False,,,,0.06,0.0348,False,normal_rate,2.69,1.79,False,False,False,False,False,0.992,32.0,26.0,standard_longevity,59.2,baseline,1.115,0.236,False,,False,,497278.05,27500.02,24735.87,27509.44,6533.49,False,0,2.77,4.66
LI-2024-INS004-002553,2024-04-11,3,57,60,1967,female,former_smoker,26.2,65,157,MD,USA,single,bachelors,professional,38984.07,0.438,accelerated_UW,117,69,232,52,4.46,102,5.4,False,82.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,True,10,UW-066,0.78,whole_life,500000,monthly,1724.25,,none,1227.1,,,False,none,captive_agent,False,False,False,0.012696,0.012479,SOA_2015_VBT,SOA_Scale_MP2023,0.839,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.054,False,normal_rate,5.4,0.98,False,False,False,False,False,0.862,37.0,37.8,preferred_longevity,75.8,baseline,1.171,0.271,True,67.1,False,,498772.9,13232.06,13359.77,13794.0,3276.07,False,0,2.56,27.23
LI-2024-INS004-002554,2020-08-06,4,52,56,1968,male,never_smoker,22.7,63,128,TX,USA,married,graduate,white_collar,47701.97,0.5456,limited_exam,145,84,215,61,3.52,97,,False,70.2,2.99,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-221,1.25,whole_life,1000000,semi_annual,6698.47,,none,5079.49,1625.44,0.32,True,quota_share,employer_group,False,False,False,0.008719,0.018667,SOA_2015_VBT,SOA_Scale_MP2023,1.268,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00218,0.015,True,0.00443,1.0,False,,,,0.04,0.0364,False,normal_rate,3.02,0.8,False,False,False,False,False,0.909,38.6,34.6,preferred_longevity,72.6,baseline,1.091,0.502,False,,False,,994920.51,48271.44,53441.51,53587.76,12727.09,False,0,5.65,21.02
LI-2024-INS004-002555,2017-06-12,5,32,37,1985,male,unknown,27.2,71,195,NJ,USA,married,less_than_hs,heavy_blue_collar,103389.96,0.5834,simplified_issue,106,67,210,61,3.44,92,5.6,False,,,False,False,True,False,False,none,,none,none,none,17,False,False,False,False,False,standard_plus,1.32,,False,False,False,False,9,UW-063,0.98,whole_life,100000,annual,277.45,,none,199.86,,,False,none,captive_agent,True,False,False,0.002454,0.002506,SOA_2015_VBT,SOA_Scale_MP2023,0.961,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0493,False,normal_rate,6.45,1.91,False,False,False,False,True,0.913,64.7,55.0,super_preferred_longevity,100.0,baseline,1.062,0.625,False,,False,,99800.14,2160.04,2209.6,2219.6,527.15,False,0,0.67,24.4
LI-2024-INS004-002556,2017-11-06,9,80,89,1937,female,never_smoker,31.3,63,176,NM,USA,divorced,high_school,white_collar,78399.53,0.374,full_paramedical,135,89,242,43,5.63,90,4.9,False,75.0,,False,False,False,False,True,leukemia,2.5,none,none,anxiety,8,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,54,UW-488,4.0,universal_life,1000000,monthly,26004.25,,10yr_declining,21656.45,,,True,none,employer_group,False,False,False,0.103802,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,5.715,neurological,True,2020-11-04,False,False,768672.76,0.0007,5e-05,1.095,0.311407,0.005,False,,1.0,False,,,,0.06,0.0454,False,normal_rate,6.3,1.37,False,False,False,False,False,0.914,8.4,1.0,sub_standard_longevity,19.6,baseline,1.22,0.35,False,,False,,978343.55,9498.73,10602.45,10401.7,88934.54,False,0,-3.29,-20.0
LI-2024-INS004-002557,2024-04-06,3,58,61,1966,female,never_smoker,27.4,59,135,AK,USA,single,some_college,light_blue_collar,58053.58,0.7232,accelerated_UW,124,74,205,32,6.41,107,,False,,,False,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,13,UW-362,1.5,universal_life,500000,monthly,4337.97,,10yr_declining,2847.19,,,False,none,employer_group,False,False,False,0.010635,0.020991,SOA_2015_VBT,SOA_Scale_MP2023,1.539,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005318,0.015,False,,1.0,False,,,,0.08,0.0484,False,normal_rate,3.7,1.94,False,False,False,False,False,0.994,37.0,35.6,preferred_longevity,76.7,baseline,0.958,0.717,True,48.2,False,,497152.81,32096.51,35620.39,34703.76,8242.14,False,0,2.49,2.86
LI-2024-INS004-002558,2004-03-01,3,37,40,1967,male,current_smoker,24.8,74,193,TX,USA,married,bachelors,hazardous,24346.92,0.8359,simplified_issue,112,75,182,46,3.96,71,,True,,0.76,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_7,4.5,7.0,True,False,False,False,21,UW-449,2.75,term_life,1000000,monthly,10360.56,30.0,none,,,,True,none,employer_group,False,False,False,0.005165,0.021644,SOA_2015_VBT,SOA_Scale_MP2023,2.795,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009039,0.015,False,,1.0,False,,,,0.07,0.0866,False,normal_rate,3.48,1.42,False,False,False,False,False,0.885,54.6,51.6,super_preferred_longevity,100.0,baseline,0.873,0.816,False,,False,,1000000.0,87370.44,75183.78,82884.48,19685.06,False,0,-0.13,-15.2
LI-2024-INS004-002559,2022-06-07,3,37,40,1985,male,former_smoker,15.0,60,90,VT,USA,single,high_school,white_collar,22570.07,0.6238,non_med_guaranteed,129,85,218,54,4.04,90,,False,,1.05,False,False,True,False,False,none,,none,none,none,5,False,False,True,False,True,declined,,,False,False,True,False,54,UW-449,7.0,annuity_deferred,1000000,quarterly,25007.38,,none,16457.5,6056.36,0.368,True,none,independent_broker,True,False,False,0.003357,0.043945,SOA_2015_VBT,SOA_Scale_MP2023,6.135,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020145,0.02,True,0.00254,1.0,False,,,,0.04,0.0288,False,normal_rate,5.51,2.51,False,False,False,False,False,0.811,59.8,55.0,super_preferred_longevity,100.0,baseline,1.032,0.585,False,,False,,983542.5,201485.07,177667.76,200059.04,47514.02,False,0,-5.0,-20.0
LI-2024-INS004-002560,2016-11-27,2,35,37,1981,female,never_smoker,36.2,69,245,VT,USA,divorced,less_than_hs,professional,76319.81,0.6774,full_paramedical,129,78,215,45,4.78,91,5.1,False,,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-412,1.25,whole_life,500000,quarterly,1918.1,,none,1331.54,,,False,none,captive_agent,True,False,False,0.001707,0.002772,SOA_2015_VBT,SOA_Scale_MP2023,1.385,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000427,0.02,False,,1.0,False,,,,0.04,0.0463,False,normal_rate,2.29,1.32,False,False,False,False,False,0.913,62.5,55.0,super_preferred_longevity,100.0,baseline,0.992,0.648,True,60.6,True,0.552,498668.46,15689.59,14220.07,15344.8,3644.39,False,0,4.73,17.73
LI-2024-INS004-002561,2023-03-20,1,76,77,1947,female,never_smoker,18.7,70,130,SD,USA,married,some_college,professional,98237.43,0.893,accelerated_UW,105,65,239,50,4.78,90,5.5,False,72.7,,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,19,UW-237,1.25,whole_life,2000000,monthly,14117.54,,none,8368.2,,,True,quota_share,independent_broker,False,False,False,0.036972,0.052923,SOA_2015_VBT,SOA_Scale_MP2023,1.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009243,0.008,False,,1.0,False,,,,0.06,0.0591,False,normal_rate,2.12,1.52,False,False,False,False,False,0.758,16.3,12.9,standard_longevity,45.2,baseline,0.83,1.0,False,,True,-1.592,1991631.8,73748.74,66701.41,72846.51,34842.09,False,0,6.23,8.32
LI-2024-INS004-002562,2015-05-15,11,53,64,1962,female,never_smoker,22.6,60,115,LA,USA,married,high_school,white_collar,22419.73,0.5407,full_paramedical,110,62,198,46,4.3,103,5.4,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,20,UW-245,0.59,term_life,2000000,annual,5476.75,30.0,none,,,,True,quota_share,captive_agent,False,False,False,0.013152,0.008291,SOA_2015_VBT,SOA_Scale_MP2023,0.576,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.038,False,normal_rate,3.05,2.25,False,False,False,False,False,0.922,40.7,29.7,preferred_longevity,65.2,baseline,1.094,0.59,False,,False,,2000000.0,45798.88,43216.71,43814.0,10405.82,False,0,4.71,28.05
LI-2024-INS004-002563,2014-01-21,4,76,80,1938,male,former_smoker,29.8,69,201,GA,USA,married,bachelors,professional,47150.18,0.7363,full_paramedical,148,86,248,51,4.86,86,,False,,3.6,True,False,False,False,False,none,,none,none,bipolar,0,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-288,2.0,universal_life,1000000,quarterly,12090.66,,15yr_declining,8254.94,,,True,excess_of_loss,independent_broker,False,False,False,0.078707,0.23148,SOA_2015_VBT,SOA_Scale_MP2023,2.048,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.078707,0.005,False,,1.0,False,,,,0.08,0.04,False,normal_rate,2.84,0.75,False,False,False,False,False,0.855,10.0,6.0,sub_standard_longevity,32.5,baseline,0.948,0.679,False,,False,,991745.06,27133.75,27773.5,29017.58,36513.79,False,0,4.99,-5.62
LI-2024-INS004-002564,2002-04-06,12,59,71,1943,male,never_smoker,27.0,61,142,ND,USA,single,bachelors,white_collar,88435.79,0.6235,limited_exam,131,80,210,41,5.12,110,,False,,11.26,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-239,1.25,term_life,1000000,semi_annual,8125.62,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.026499,0.045445,SOA_2015_VBT,SOA_Scale_MP2023,1.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006625,0.008,False,,1.0,False,,,,0.03,0.036,False,normal_rate,2.51,0.53,False,False,False,False,False,0.936,27.6,15.6,standard_longevity,45.3,baseline,1.032,0.634,False,,False,,1000000.0,52590.22,47065.48,50703.87,18298.9,False,0,0.85,6.45
LI-2024-INS004-002565,2009-04-04,9,79,88,1930,female,never_smoker,30.6,66,189,KS,USA,divorced,some_college,professional,153543.18,0.3171,full_paramedical,147,100,258,46,5.61,138,5.2,False,,,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-280,1.5,universal_life,500000,quarterly,5235.64,,15yr_declining,4666.06,,,False,none,bank,False,False,False,0.092191,0.249611,SOA_2015_VBT,SOA_Scale_MP2023,1.749,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046095,0.005,False,,1.0,False,,,,0.06,0.0391,False,normal_rate,3.9,1.45,False,False,False,False,False,0.831,8.2,1.0,sub_standard_longevity,18.8,baseline,1.262,0.27,False,,False,,495333.94,2155.78,2171.52,2094.26,17905.89,False,0,2.82,3.68
LI-2024-INS004-002566,2012-10-21,4,72,76,1940,male,never_smoker,15.0,62,90,RI,USA,married,bachelors,light_blue_collar,88688.38,0.9064,full_paramedical,125,79,254,65,3.91,80,5.0,False,59.2,5.78,False,False,False,True,False,none,,none,none,none,2,False,False,False,False,True,declined,,,False,False,True,False,30,UW-150,7.0,universal_life,500000,monthly,21328.44,,10yr_declining,15807.97,,,False,none,employer_group,False,False,False,0.040039,0.464073,SOA_2015_VBT,SOA_Scale_MP2023,6.816,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.240235,0.008,False,,1.0,True,2025-12-11,unknown,4.0,0.08,0.2048,False,normal_rate,3.55,2.31,False,False,True,True,False,0.984,15.3,11.3,standard_longevity,43.0,baseline,0.82,0.815,False,,False,,484192.03,87339.92,94641.95,96404.55,55368.63,False,0,-5.0,-20.0
LI-2024-INS004-002567,2024-06-28,2,78,80,1946,male,never_smoker,22.8,62,124,WV,USA,widowed,graduate,professional,65528.5,0.8721,full_paramedical,129,80,263,39,6.74,100,5.1,False,71.9,13.97,False,False,False,False,False,none,,none,none,none,16,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,23,UW-112,1.5,annuity_immediate,250000,annual,2435.73,,none,,,,False,none,independent_broker,False,False,False,0.059507,0.113768,SOA_2015_VBT,SOA_Scale_MP2023,1.669,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029753,0.008,False,,1.0,False,,,,0.005,0.005,False,normal_rate,3.34,2.26,False,False,False,False,False,0.86,10.0,8.0,standard_longevity,37.6,baseline,0.846,0.773,False,,False,,250000.0,7634.17,7917.65,7794.34,6966.19,False,0,3.8,7.19
LI-2024-INS004-002568,2021-09-04,4,57,61,1964,female,never_smoker,28.5,69,193,MO,USA,married,graduate,white_collar,135406.88,0.6695,non_med_guaranteed,135,82,166,44,3.77,62,5.1,False,71.3,,False,True,False,False,True,colorectal,8.8,none,none,depression,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,45,UW-441,1.25,group_life,1000000,semi_annual,6470.7,,none,,,,True,none,independent_broker,False,False,False,0.010476,0.017959,SOA_2015_VBT,SOA_Scale_MP2023,1.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002619,0.015,True,0.00111,1.0,False,,,,0.15,0.1747,False,normal_rate,2.64,2.9,False,False,False,False,False,0.907,37.5,33.5,preferred_longevity,72.8,baseline,0.998,0.555,False,,False,,1000000.0,56147.83,53993.18,51765.6,12294.33,False,0,5.26,17.39
LI-2024-INS004-002569,2015-03-09,7,49,56,1966,female,never_smoker,30.0,61,158,NC,USA,single,bachelors,white_collar,76621.4,0.4746,full_paramedical,132,78,215,55,3.91,126,5.4,False,109.3,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred,,,False,False,False,False,7,UW-231,0.82,term_life,500000,annual,1924.99,20.0,none,,,,False,none,captive_agent,False,False,False,0.006975,0.006344,SOA_2015_VBT,SOA_Scale_MP2023,0.795,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.066,False,normal_rate,4.48,0.54,False,False,False,False,False,0.804,45.0,38.1,preferred_longevity,76.8,baseline,1.144,0.48,False,,True,0.048,500000.0,14257.34,16031.39,15399.92,3657.48,False,0,4.69,22.74
LI-2024-INS004-002570,2019-06-12,4,31,35,1988,female,never_smoker,28.4,59,140,IL,USA,single,bachelors,white_collar,181840.47,0.4664,full_paramedical,111,62,169,56,3.02,93,4.8,False,73.2,,False,False,False,False,False,none,,none,none,bipolar,16,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-047,2.0,universal_life,2000000,annual,10169.87,,15yr_declining,6775.05,4275.06,0.631,True,excess_of_loss,captive_agent,False,False,False,0.001517,0.005345,SOA_2015_VBT,SOA_Scale_MP2023,2.194,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001517,0.02,False,,1.0,False,,,,0.08,0.0287,False,normal_rate,3.69,2.25,False,False,False,False,False,0.845,66.7,55.0,super_preferred_longevity,100.0,baseline,1.15,0.52,False,,False,,1993224.95,89345.77,85131.83,81358.96,19322.75,False,0,1.34,-5.1
LI-2024-INS004-002571,2020-11-12,1,35,36,1985,female,never_smoker,28.3,67,180,WY,USA,married,high_school,white_collar,56750.05,0.8608,full_paramedical,129,83,172,35,4.91,106,5.2,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,30,UW-041,0.84,whole_life,250000,monthly,597.47,,none,367.81,,,False,none,captive_agent,False,False,False,0.001608,0.003862,SOA_2015_VBT,SOA_Scale_MP2023,0.75,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00283,1.0,False,,,,0.06,0.0607,False,normal_rate,1.99,1.84,False,False,False,False,False,0.831,63.8,55.0,super_preferred_longevity,100.0,baseline,0.854,0.963,False,,False,,249632.19,5142.13,4472.89,4779.76,1135.19,False,0,3.7,31.3
LI-2024-INS004-002572,2002-09-21,12,67,79,1935,female,never_smoker,25.1,62,137,NE,USA,single,bachelors,professional,140699.77,0.867,full_paramedical,158,92,177,56,3.16,100,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-170,2.25,group_life,5000000,monthly,72819.64,,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.043746,0.140814,SOA_2015_VBT,SOA_Scale_MP2023,2.317,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054683,0.005,False,,1.0,False,,,,0.1,0.1409,False,normal_rate,2.45,2.05,False,False,False,False,False,0.94,23.1,11.1,standard_longevity,42.2,baseline,0.85,0.782,False,,False,,5000000.0,298672.69,279872.96,323319.2,190204.9,False,0,4.01,-9.86
LI-2024-INS004-002573,2023-09-13,1,47,48,1976,female,never_smoker,24.7,71,177,HI,USA,single,some_college,white_collar,43366.51,0.5475,accelerated_UW,120,76,107,71,1.51,89,5.3,False,,,True,False,False,False,False,none,,none,none,none,11,False,False,False,True,True,preferred_plus,,,False,False,False,True,49,UW-417,0.63,whole_life,1000000,monthly,2373.84,,none,1568.01,,,True,quota_share,bank,True,False,False,0.00367,0.002767,SOA_2015_VBT,SOA_Scale_MP2023,0.692,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0757,False,normal_rate,2.61,2.98,False,False,False,False,True,0.923,49.0,51.6,super_preferred_longevity,98.1,baseline,1.089,0.641,True,56.6,False,,998431.99,17534.1,18569.05,18990.72,4510.3,False,0,4.88,31.87
LI-2024-INS004-002574,2006-09-04,11,76,87,1930,male,never_smoker,30.5,69,206,CA,USA,married,high_school,white_collar,79028.48,0.8958,accelerated_UW,150,92,198,46,4.3,128,5.4,False,84.2,4.05,True,False,False,False,False,none,,none,none,bipolar,9,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,True,31,UW-360,2.0,annuity_immediate,1000000,monthly,13028.85,,none,,,,True,excess_of_loss,worksite,False,False,False,0.105946,0.301867,SOA_2015_VBT,SOA_Scale_MP2023,2.233,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.105946,0.005,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.47,0.57,False,False,False,False,False,0.842,9.5,1.2,sub_standard_longevity,27.7,baseline,0.828,0.922,True,81.0,False,,1000000.0,5941.56,6467.67,6253.85,44350.21,False,0,0.72,-1.22
LI-2024-INS004-002575,2000-07-02,21,22,43,1978,female,never_smoker,34.2,68,225,NM,USA,single,some_college,professional,20000.0,0.8727,limited_exam,127,80,198,41,4.83,92,4.9,False,,,False,False,False,False,False,none,,none,none,anxiety,9,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-304,1.25,group_life,250000,semi_annual,1192.24,,none,,,,False,none,bank,False,False,False,0.002537,0.00333,SOA_2015_VBT,SOA_Scale_MP2023,1.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000634,0.018,False,,1.0,False,,,,0.1,0.1002,False,normal_rate,4.16,0.76,False,False,False,False,False,0.785,70.0,49.0,super_preferred_longevity,99.1,baseline,0.845,0.7,False,,True,-0.027,250000.0,8843.52,9104.41,9537.92,2265.26,False,0,1.13,18.37
LI-2024-INS004-002576,2000-06-01,14,37,51,1963,male,current_smoker,41.6,61,220,VA,USA,married,bachelors,light_blue_collar,152378.85,0.5964,accelerated_UW,115,86,230,27,8.52,114,5.8,True,,0.85,False,False,True,False,False,none,,none,mild_gold_1,none,1,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,True,12,UW-369,2.5,universal_life,500000,semi_annual,5825.62,,15yr_declining,6031.24,,,False,none,independent_broker,False,False,False,0.011257,0.046888,SOA_2015_VBT,SOA_Scale_MP2023,2.532,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016885,0.015,False,,1.0,False,,,,0.04,0.022,False,normal_rate,1.73,1.04,False,False,False,False,False,0.843,56.0,42.0,super_preferred_longevity,94.4,baseline,1.053,0.667,False,,False,,493968.76,50869.28,43891.95,46604.96,11068.68,False,0,2.47,-20.0
LI-2024-INS004-002577,2008-10-15,2,74,76,1934,male,never_smoker,32.0,67,204,WY,USA,married,bachelors,heavy_blue_collar,30021.2,0.4883,full_paramedical,143,84,252,39,6.46,122,4.7,False,87.7,6.49,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,0.86,4.0,False,False,False,False,21,UW-163,2.0,whole_life,500000,quarterly,6606.66,,none,4477.86,,,False,none,captive_agent,False,False,False,0.041899,0.144462,SOA_2015_VBT,SOA_Scale_MP2023,2.159,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041899,0.005,False,,1.0,False,,,,0.04,0.0524,False,normal_rate,3.28,2.94,False,False,False,False,False,0.78,10.5,8.5,sub_standard_longevity,32.6,baseline,1.134,0.45,False,,False,,495522.14,23294.01,20952.51,22462.64,18630.78,False,0,3.5,-8.13
LI-2024-INS004-002578,2004-08-28,10,35,45,1969,male,never_smoker,20.1,60,102,KS,USA,married,some_college,heavy_blue_collar,62985.62,0.2586,full_paramedical,110,66,213,57,3.74,113,5.0,False,,3.46,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,0.65,,False,False,False,False,3,UW-415,0.63,universal_life,500000,annual,1103.89,,10yr_declining,1007.6,,,False,none,captive_agent,False,False,False,0.003662,0.002812,SOA_2015_VBT,SOA_Scale_MP2023,0.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0403,False,normal_rate,2.79,1.69,False,False,False,False,False,0.996,54.6,50.9,super_preferred_longevity,92.7,baseline,1.306,0.372,True,74.4,False,,498992.4,9316.04,8448.29,8831.12,2097.39,False,0,4.63,20.04
LI-2024-INS004-002579,2008-06-20,12,68,80,1940,male,never_smoker,26.0,64,151,NJ,USA,single,bachelors,light_blue_collar,29633.52,0.3431,limited_exam,139,86,194,56,3.46,86,5.7,False,,6.76,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,8,UW-092,2.0,indexed_ul,1000000,monthly,13863.65,,15yr_declining,13619.97,,,True,facultative,bank,False,False,False,0.056707,0.197856,SOA_2015_VBT,SOA_Scale_MP2023,2.003,respiratory,True,2008-12-10,True,False,64023.13,0.0007,5e-05,1.095,0.056707,0.008,False,,1.0,False,,,,0.04,0.0257,False,normal_rate,2.53,1.11,False,False,False,False,False,0.869,17.0,5.6,sub_standard_longevity,26.0,baseline,1.243,0.386,True,69.4,False,,986380.03,32437.21,27046.65,31054.58,42311.86,False,0,-0.33,-10.91
LI-2024-INS004-002580,2017-02-27,3,31,34,1986,female,never_smoker,33.8,70,235,MO,USA,single,bachelors,professional,20000.0,0.7974,limited_exam,117,89,251,47,5.34,123,4.9,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-094,1.25,indexed_ul,500000,monthly,1821.97,,15yr_declining,1150.06,,,False,none,direct_to_consumer,False,False,False,0.001434,0.002222,SOA_2015_VBT,SOA_Scale_MP2023,1.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.02,False,,1.0,False,,,,0.08,0.0535,False,normal_rate,4.06,1.88,False,False,False,False,False,0.83,67.7,55.0,super_preferred_longevity,100.0,baseline,0.902,0.69,False,,False,,498849.94,13811.33,13460.99,14575.76,3461.74,False,0,2.46,6.79
LI-2024-INS004-002581,2024-03-11,1,28,29,1996,female,current_smoker,25.9,63,145,RI,USA,single,bachelors,light_blue_collar,69413.94,0.548,full_paramedical,109,60,230,45,5.11,82,5.2,True,,,False,False,False,False,False,none,,none,none,none,2,True,False,False,False,False,substandard_table_3,3.48,3.0,True,False,False,False,22,UW-355,1.75,term_life,100000,semi_annual,483.44,20.0,none,,,,False,none,captive_agent,True,False,False,0.00223,0.006487,SOA_2015_VBT,SOA_Scale_MP2023,1.982,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001673,0.022,False,,1.0,False,,,,0.1,0.1262,False,normal_rate,2.84,2.86,False,False,False,False,False,0.897,70.0,66.9,super_preferred_longevity,100.0,baseline,1.089,0.571,True,92.8,False,,100000.0,4234.21,3468.74,3867.52,918.54,False,0,1.12,-3.56
LI-2024-INS004-002582,2023-05-22,1,79,80,1944,female,never_smoker,30.3,66,187,GA,USA,single,bachelors,light_blue_collar,44251.16,0.6138,full_paramedical,128,73,194,40,4.85,112,,False,82.4,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,45,UW-300,1.25,universal_life,500000,semi_annual,4054.42,,10yr_declining,2572.55,,,False,none,independent_broker,False,False,False,0.046847,0.081992,SOA_2015_VBT,SOA_Scale_MP2023,1.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011712,0.008,False,,1.0,False,,,,0.12,0.0653,False,normal_rate,3.83,2.65,False,False,False,False,False,0.917,11.7,10.7,standard_longevity,37.8,baseline,1.04,0.633,False,,False,,497427.45,18999.01,15748.61,17352.92,10719.89,False,0,1.6,21.77
LI-2024-INS004-002583,2008-03-09,4,53,57,1955,female,never_smoker,26.4,70,183,NM,USA,married,some_college,professional,23154.8,0.7212,full_paramedical,130,81,182,41,4.44,74,,False,,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-229,2.25,whole_life,500000,monthly,5223.13,,none,3791.05,,,False,none,captive_agent,False,False,False,0.006719,0.023467,SOA_2015_VBT,SOA_Scale_MP2023,2.338,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008399,0.012,False,,1.0,False,,,,0.04,0.0449,False,normal_rate,4.3,0.66,False,False,False,False,False,0.99,40.1,36.1,preferred_longevity,77.5,baseline,0.959,0.754,False,,False,,496208.95,40253.87,36462.42,41785.04,9923.95,False,0,1.68,-11.01
LI-2024-INS004-002584,2017-01-22,8,49,57,1968,female,never_smoker,31.6,70,220,SD,USA,divorced,bachelors,heavy_blue_collar,81742.64,0.2301,full_paramedical,171,115,227,46,4.93,113,,False,84.2,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_6,0.68,6.0,False,False,False,False,3,UW-267,2.5,annuity_deferred,250000,quarterly,3182.3,,none,2566.94,,,False,none,independent_broker,False,True,False,0.007582,0.036834,SOA_2015_VBT,SOA_Scale_MP2023,2.53,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011372,0.015,False,,1.0,False,,,,0.02,0.0303,False,normal_rate,2.61,1.58,False,False,False,False,False,0.755,44.3,36.3,preferred_longevity,70.4,baseline,1.327,0.283,False,,False,,247433.06,24830.78,23943.33,25458.4,6046.37,False,0,-1.36,-12.46
LI-2024-INS004-002585,2002-08-06,15,76,91,1926,male,current_smoker,34.8,75,278,ID,USA,married,bachelors,professional,43013.74,0.1841,full_paramedical,131,87,210,50,4.2,97,10.2,True,,14.7,False,False,False,False,False,none,,type_2,none,none,0,False,False,False,True,True,substandard_table_10,,10.0,False,False,False,False,24,UW-229,3.5,group_life,1000000,annual,25731.87,,none,,,,True,coinsurance,captive_agent,False,False,False,0.219981,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,4.056,cancer,True,2016-03-05,False,False,1838992.56,0.0007,5e-05,1.095,0.549953,0.012,False,,1.0,False,,,,0.1,0.1553,False,normal_rate,2.98,1.74,False,False,False,False,False,0.935,6.6,1.0,sub_standard_longevity,16.8,baseline,1.362,0.236,False,,False,,1000000.0,10658.42,10606.4,10292.75,88002.99,False,0,-1.03,-20.0
LI-2024-INS004-002586,2014-08-19,8,43,51,1971,male,never_smoker,33.5,75,267,MO,USA,married,high_school,professional,86951.84,0.4942,full_paramedical,114,77,245,41,5.98,105,8.8,False,65.5,3.1,False,False,False,False,False,none,,type_2,none,depression,10,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,35,UW-338,2.25,term_life,2000000,semi_annual,19967.92,20.0,none,,,,True,none,independent_broker,True,False,False,0.005801,0.022129,SOA_2015_VBT,SOA_Scale_MP2023,2.271,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007251,0.018,False,,1.0,False,,,,0.05,0.0652,False,normal_rate,5.01,1.14,False,False,False,False,False,0.754,48.1,40.1,super_preferred_longevity,80.1,baseline,1.129,0.736,False,,False,,2000000.0,148162.14,148727.09,159743.36,37939.05,False,0,-0.29,-20.0
LI-2024-INS004-002587,2022-09-13,4,53,57,1969,male,never_smoker,23.2,75,185,CO,USA,divorced,some_college,light_blue_collar,325911.6,0.4832,simplified_issue,101,62,212,65,3.26,105,4.9,False,85.3,6.84,False,True,False,False,False,none,,none,none,none,0,False,False,True,False,True,standard,,,False,False,False,False,42,UW-315,1.08,term_life,2000000,monthly,10274.14,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.009477,0.017022,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000758,0.015,True,0.00455,1.0,False,,,,0.07,0.0919,False,normal_rate,2.14,0.87,False,False,False,False,False,0.912,37.5,33.5,preferred_longevity,70.0,baseline,1.138,0.425,False,,False,,2000000.0,87550.83,75255.48,82193.12,19520.87,False,0,2.04,17.92
LI-2024-INS004-002588,2005-05-10,5,50,55,1955,female,former_smoker,35.8,68,235,IA,USA,married,high_school,white_collar,26095.98,0.5709,non_med_guaranteed,132,84,202,32,6.31,105,5.3,False,84.4,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-045,1.5,universal_life,500000,semi_annual,3298.52,,10yr_declining,2543.06,,,False,none,bank,False,False,False,0.007397,0.015956,SOA_2015_VBT,SOA_Scale_MP2023,1.546,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003699,0.012,False,,1.0,False,,,,0.08,0.0448,False,normal_rate,5.96,1.04,False,False,False,False,False,0.774,42.5,37.5,preferred_longevity,77.3,baseline,1.072,0.572,False,,False,,497456.94,27981.69,23781.5,26388.16,6267.19,False,0,-0.27,-2.23
LI-2024-INS004-002589,2009-08-01,14,44,58,1965,male,never_smoker,30.6,68,201,CO,USA,divorced,high_school,white_collar,20000.0,0.8077,full_paramedical,113,75,257,35,7.34,85,5.4,False,89.2,11.38,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,6,UW-206,1.0,universal_life,100000,annual,466.93,,10yr_declining,496.81,,,False,none,direct_to_consumer,False,False,False,0.010307,0.009309,SOA_2015_VBT,SOA_Scale_MP2023,1.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.059,False,normal_rate,2.67,2.99,False,False,False,False,False,0.814,47.2,33.2,preferred_longevity,74.4,baseline,0.894,0.813,False,,False,,99503.19,3828.54,3919.4,3735.44,887.17,False,0,3.74,14.63
LI-2024-INS004-002590,2016-02-18,11,31,42,1985,female,never_smoker,25.4,64,148,WA,USA,married,bachelors,light_blue_collar,404285.51,0.9834,limited_exam,144,91,247,55,4.49,91,,False,79.0,,False,False,False,False,False,none,,none,none,none,6,True,False,False,False,False,substandard_table_1,4.83,1.0,True,False,False,False,12,UW-307,1.25,term_life,1000000,annual,4772.59,10.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.002366,0.003068,SOA_2015_VBT,SOA_Scale_MP2023,1.373,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000591,0.02,False,,1.0,False,,,,0.03,0.0384,False,normal_rate,2.48,0.85,False,False,False,False,False,0.968,68.3,55.0,super_preferred_longevity,100.0,baseline,0.762,1.0,False,,False,,1000000.0,36168.94,38649.25,38180.72,9067.92,False,0,0.04,19.85
LI-2024-INS004-002591,2010-06-27,1,55,56,1955,male,never_smoker,17.8,65,107,WA,USA,married,graduate,white_collar,20000.0,0.3831,full_paramedical,120,88,197,57,3.46,78,6.1,False,90.7,1.38,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,39,UW-270,2.0,group_life,250000,annual,2276.53,,none,,,,False,none,captive_agent,False,False,False,0.007727,0.028595,SOA_2015_VBT,SOA_Scale_MP2023,2.227,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007727,0.012,False,,1.0,True,2026-01-12,non_payment,1.0,0.18,0.2508,False,normal_rate,3.13,0.79,False,False,True,False,False,0.794,32.7,35.8,preferred_longevity,71.9,baseline,1.213,0.249,True,71.3,False,,250000.0,16571.7,16142.26,18212.24,4325.41,False,0,5.51,-9.83
LI-2024-INS004-002592,2012-04-18,8,73,81,1939,female,current_smoker,26.9,68,176,IN,USA,married,high_school,light_blue_collar,142274.01,0.7637,full_paramedical,127,88,204,42,4.86,93,5.1,True,55.6,,False,True,False,False,False,none,,none,severe_gold_3,anxiety,11,False,False,False,True,True,substandard_table_9,,9.0,False,False,False,False,37,UW-072,3.25,term_life,500000,monthly,9585.07,15.0,none,,,,True,quota_share,independent_broker,True,False,False,0.106161,0.584171,SOA_2015_VBT,SOA_Scale_MP2023,3.508,cancer,True,2015-10-30,False,False,1258549.7,0.0007,5e-05,1.095,0.238862,0.005,False,,1.0,False,,,,0.05,0.0545,False,normal_rate,4.19,0.75,False,False,False,False,False,0.857,17.3,9.3,standard_longevity,37.9,baseline,0.927,0.591,False,,False,,500000.0,32502.33,34665.23,35656.46,26416.45,False,0,-0.48,-20.0
LI-2024-INS004-002593,2010-10-11,3,70,73,1940,male,current_smoker,27.6,74,214,UT,USA,divorced,high_school,heavy_blue_collar,281220.41,0.3106,full_paramedical,144,91,252,44,5.73,111,5.4,True,87.5,3.72,False,False,False,False,False,none,,none,severe_gold_3,none,1,False,False,False,True,True,substandard_table_9,1.49,9.0,False,False,False,False,47,UW-498,3.25,term_life,1000000,monthly,17432.51,20.0,none,,,,True,facultative,bank,False,False,False,0.061618,0.422122,SOA_2015_VBT,SOA_Scale_MP2023,3.631,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.13864,0.008,False,,1.0,False,,,,0.07,0.1016,False,normal_rate,2.71,1.19,False,False,False,False,False,0.86,14.9,11.9,standard_longevity,35.0,baseline,1.267,0.281,True,32.3,False,,1000000.0,78144.62,78023.33,82978.75,44418.03,False,0,-2.97,-20.0
LI-2024-INS004-002594,2006-03-21,3,46,49,1960,male,unknown,25.4,74,197,NJ,USA,married,high_school,white_collar,38808.46,0.6381,full_paramedical,129,85,184,42,4.38,69,,False,77.3,3.17,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-233,2.25,whole_life,500000,monthly,4793.7,,none,3419.84,,,True,coinsurance,independent_broker,False,False,False,0.005285,0.019507,SOA_2015_VBT,SOA_Scale_MP2023,2.39,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006606,0.015,False,,1.0,False,,,,0.04,0.0476,False,normal_rate,3.28,2.79,False,False,False,False,False,0.852,43.8,40.8,super_preferred_longevity,83.3,baseline,1.021,0.493,False,,False,,496580.16,35117.53,36906.77,38349.6,9108.03,False,0,3.15,-14.1
LI-2024-INS004-002595,2011-07-12,5,36,41,1975,female,unknown,19.7,68,129,UT,USA,single,bachelors,white_collar,29097.03,0.8255,full_paramedical,127,80,246,46,5.35,60,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-006,1.25,universal_life,500000,quarterly,2235.45,,15yr_declining,1645.48,,,False,none,independent_broker,False,False,False,0.00254,0.003647,SOA_2015_VBT,SOA_Scale_MP2023,1.346,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000635,0.018,False,,1.0,False,,,,0.08,0.0374,False,normal_rate,3.73,1.12,False,False,False,False,False,0.996,61.0,55.0,super_preferred_longevity,100.0,baseline,0.881,0.983,False,,False,,498354.52,17750.62,18440.71,17883.6,4247.35,False,0,4.89,11.58
LI-2024-INS004-002596,2019-07-25,6,22,28,1997,male,never_smoker,24.1,70,168,NV,USA,married,high_school,heavy_blue_collar,130472.69,0.8127,full_paramedical,85,58,148,51,2.9,87,4.1,False,88.6,,False,True,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,1.28,5.0,False,False,False,False,8,UW-251,2.25,annuity_deferred,500000,quarterly,2640.3,,none,2045.74,,,False,none,captive_agent,False,False,False,0.001334,0.004404,SOA_2015_VBT,SOA_Scale_MP2023,2.304,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001667,0.022,False,,1.0,False,,,,0.02,0.021,False,normal_rate,4.0,1.65,False,False,False,False,False,0.956,70.0,55.0,super_preferred_longevity,100.0,baseline,0.89,0.701,False,,False,,497954.26,23081.85,19239.89,21122.4,5016.57,False,0,4.56,-4.54
LI-2024-INS004-002597,2021-07-13,3,61,64,1960,female,never_smoker,30.3,59,149,LA,USA,divorced,bachelors,heavy_blue_collar,20000.0,0.5275,full_paramedical,146,85,179,48,3.73,117,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,0.75,5.0,False,False,False,False,13,UW-341,2.25,whole_life,250000,annual,3063.4,,none,2195.35,,,False,none,bank,False,True,False,0.01276,0.05133,SOA_2015_VBT,SOA_Scale_MP2023,2.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015951,0.015,True,0.00133,1.0,False,,,,0.04,0.0511,False,normal_rate,2.36,2.79,False,False,False,False,False,0.98,32.3,29.3,preferred_longevity,64.4,baseline,1.104,0.516,False,,False,,247804.65,24219.91,24380.84,24507.2,5820.46,False,0,-0.04,-15.87
LI-2024-INS004-002598,2007-02-05,7,70,77,1937,male,never_smoker,32.1,67,204,ME,USA,married,bachelors,white_collar,139019.02,0.5443,simplified_issue,135,77,206,51,4.04,119,4.7,False,67.2,5.03,False,False,False,False,True,prostate,6.7,none,none,bipolar,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,43,UW-266,2.0,term_life,2000000,quarterly,25526.76,30.0,none,,,,True,facultative,bank,False,False,False,0.04641,0.152411,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04641,0.005,False,,1.0,False,,,,0.05,0.0632,False,normal_rate,4.7,2.53,True,False,False,False,False,0.757,15.1,8.1,sub_standard_longevity,32.8,baseline,1.092,0.79,False,,False,,2000000.0,76850.79,77944.3,82706.7,72802.32,False,0,3.08,1.25
LI-2024-INS004-002599,2004-01-24,14,24,38,1980,female,current_smoker,25.5,71,182,AZ,USA,married,high_school,white_collar,105405.71,0.1779,full_paramedical,125,77,175,60,2.92,82,5.6,True,98.2,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,22,UW-210,2.5,whole_life,100000,semi_annual,892.62,,none,940.06,,,False,none,independent_broker,False,False,False,0.003633,0.018837,SOA_2015_VBT,SOA_Scale_MP2023,2.697,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005449,0.02,False,,1.0,False,,,,0.015,0.0234,False,normal_rate,4.02,0.83,False,False,False,False,False,0.871,70.0,55.0,super_preferred_longevity,97.7,baseline,1.367,0.228,False,,False,,99059.94,6990.77,7411.96,7140.96,1695.98,False,0,2.63,-20.0
LI-2024-INS004-002600,2008-06-23,11,48,59,1960,male,never_smoker,28.0,69,189,IL,USA,married,high_school,professional,20000.0,0.7016,full_paramedical,128,85,232,60,3.87,105,4.8,False,100.8,4.5,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-280,0.77,term_life,1000000,monthly,4195.13,30.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.010398,0.00801,SOA_2015_VBT,SOA_Scale_MP2023,0.791,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0342,False,normal_rate,4.34,2.49,False,False,False,False,False,0.92,42.0,33.4,preferred_longevity,73.1,baseline,0.974,0.734,True,57.6,False,,1000000.0,32362.51,31530.84,33561.04,7970.75,False,0,3.05,14.86
LI-2024-INS004-002601,2003-11-15,13,64,77,1939,female,never_smoker,27.2,65,163,AZ,USA,widowed,bachelors,professional,85003.14,0.7043,limited_exam,143,79,185,66,2.8,75,4.9,False,72.8,,False,False,False,True,False,none,,none,none,none,0,True,False,False,False,True,substandard_table_6,4.05,6.0,True,False,False,False,35,UW-177,2.5,term_life,1000000,monthly,15218.9,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.037502,0.154689,SOA_2015_VBT,SOA_Scale_MP2023,2.701,respiratory,True,2016-09-13,False,False,1530843.43,0.0007,5e-05,1.095,0.056254,0.005,False,,1.0,False,,,,0.03,0.0477,False,normal_rate,2.87,2.11,False,False,False,False,False,0.845,26.1,13.1,standard_longevity,42.7,baseline,0.972,0.841,False,,False,,1000000.0,83401.96,80552.81,79747.04,37316.74,False,0,-0.3,-18.75
LI-2024-INS004-002602,2018-12-10,7,73,80,1945,female,never_smoker,26.6,71,190,LA,USA,married,high_school,professional,142393.35,0.504,simplified_issue,132,79,262,51,5.14,85,,False,64.8,,False,False,False,False,True,breast,2.6,none,none,anxiety,15,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,48,UW-247,2.0,indexed_ul,250000,semi_annual,3227.01,,15yr_declining,2493.53,,,False,none,worksite,False,False,False,0.047225,0.162364,SOA_2015_VBT,SOA_Scale_MP2023,2.173,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.047225,0.008,False,,1.0,False,,,,0.06,0.035,False,normal_rate,3.5,1.13,False,False,False,False,False,0.953,17.4,10.4,standard_longevity,35.7,baseline,1.122,0.474,False,,False,,247506.47,14415.2,12003.03,13424.36,8609.66,False,0,2.65,-2.79
LI-2024-INS004-002603,2011-12-10,7,24,31,1987,female,former_smoker,26.8,69,181,ME,USA,married,graduate,white_collar,66433.68,0.4955,full_paramedical,117,71,201,54,3.72,112,,False,103.8,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,12,UW-006,0.78,group_life,2000000,monthly,3952.46,,none,,,,True,none,bank,False,False,False,0.001593,0.001501,SOA_2015_VBT,SOA_Scale_MP2023,0.835,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.12,0.1564,False,normal_rate,3.21,0.78,False,False,False,False,False,0.997,70.0,55.0,super_preferred_longevity,100.0,baseline,1.128,0.569,False,,False,,2000000.0,33718.6,31581.44,31619.68,7509.67,False,0,5.27,25.14
LI-2024-INS004-002604,2003-05-15,7,68,75,1935,female,never_smoker,31.3,68,205,SC,USA,married,graduate,light_blue_collar,62323.65,0.644,non_med_guaranteed,147,97,259,45,5.76,129,7.7,False,66.6,,False,True,False,False,False,none,,type_2,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,46,UW-336,1.0,whole_life,500000,monthly,2779.19,,none,2342.08,,,True,facultative,independent_broker,False,True,False,0.030872,0.031962,SOA_2015_VBT,SOA_Scale_MP2023,1.018,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.02,0.0237,False,normal_rate,3.9,1.45,False,False,False,False,False,0.822,21.2,14.2,standard_longevity,43.5,baseline,1.017,0.635,False,,False,,497657.92,17239.19,14392.96,15785.8,6570.01,False,0,4.75,19.33
LI-2024-INS004-002605,2005-12-07,12,79,91,1926,female,former_smoker,26.7,71,191,MO,USA,divorced,some_college,white_collar,117016.03,0.8692,simplified_issue,153,97,216,73,2.96,73,5.6,False,79.3,,False,False,False,True,False,none,,none,none,bipolar,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,14,UW-276,2.5,term_life,500000,monthly,10797.07,25.0,none,,,,False,none,independent_broker,False,False,False,0.11439,0.434592,SOA_2015_VBT,SOA_Scale_MP2023,2.711,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.171585,0.012,False,,1.0,False,,,,0.03,0.0301,False,normal_rate,3.4,2.9,False,False,False,False,False,0.811,10.3,1.2,sub_standard_longevity,27.3,baseline,0.848,0.608,False,,True,0.146,500000.0,4839.68,4971.2,5182.59,36753.23,False,0,2.21,-17.73
LI-2024-INS004-002606,2021-05-02,5,78,83,1943,female,current_smoker,24.6,68,161,ND,USA,widowed,graduate,heavy_blue_collar,88364.05,0.8306,full_paramedical,125,73,198,43,4.6,96,,True,64.8,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,True,False,True,substandard_table_2,0.76,2.0,False,False,False,False,39,UW-255,1.5,indexed_ul,250000,annual,2710.6,,15yr_declining,1996.01,,,False,none,worksite,False,False,False,0.120417,0.232236,SOA_2015_VBT,SOA_Scale_MP2023,1.589,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.060209,0.008,True,0.00421,1.0,False,,,,0.08,0.0373,False,normal_rate,3.85,2.51,False,False,False,False,False,0.848,13.4,8.4,standard_longevity,37.6,baseline,0.877,0.828,False,,False,,248003.99,8825.45,8864.75,9107.62,7665.58,False,0,1.72,7.75
LI-2024-INS004-002607,2004-04-11,3,21,24,1983,female,never_smoker,27.5,61,145,VT,USA,widowed,bachelors,light_blue_collar,77442.44,0.9279,limited_exam,116,72,177,58,3.05,60,4.8,False,120.0,,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,16,UW-245,1.0,universal_life,1000000,quarterly,1819.27,,15yr_declining,1188.09,,,True,facultative,independent_broker,False,False,False,0.000913,0.000773,SOA_2015_VBT,SOA_Scale_MP2023,1.053,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,True,2026-04-03,voluntary_surrender,3.0,0.08,0.0345,False,normal_rate,2.03,2.31,True,False,False,False,False,0.83,70.0,58.4,super_preferred_longevity,100.0,baseline,0.804,0.768,True,53.0,False,,998811.91,13827.66,14227.65,14554.16,3456.61,False,0,2.85,21.82
LI-2024-INS004-002608,2005-11-21,9,55,64,1950,female,never_smoker,31.1,59,153,MI,USA,married,high_school,professional,113030.52,0.943,accelerated_UW,113,73,250,34,7.35,77,,False,82.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,True,9,UW-357,1.0,universal_life,1000000,semi_annual,4646.24,,15yr_declining,4112.47,,,True,facultative,independent_broker,False,False,False,0.011483,0.009522,SOA_2015_VBT,SOA_Scale_MP2023,1.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0255,False,normal_rate,2.07,1.43,False,False,False,False,False,0.922,38.2,29.2,preferred_longevity,70.4,baseline,0.793,1.0,False,,False,,995887.53,33836.7,32308.62,37169.92,8827.86,False,0,3.63,14.8
LI-2024-INS004-002609,2023-11-11,3,47,50,1976,female,former_smoker,27.0,59,133,VT,USA,single,high_school,professional,34879.86,0.3535,accelerated_UW,132,81,212,60,3.53,71,5.4,False,,,False,True,False,False,True,melanoma,6.1,none,none,substance_use_disorder,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,31,UW-416,2.25,whole_life,100000,monthly,1067.5,,none,688.97,,,False,none,captive_agent,False,False,False,0.005574,0.023129,SOA_2015_VBT,SOA_Scale_MP2023,2.348,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006967,0.018,False,,1.0,False,,,,0.04,0.0567,False,normal_rate,3.95,2.78,False,False,False,False,False,0.79,48.3,46.2,super_preferred_longevity,87.1,baseline,1.235,0.283,False,,True,0.588,99311.03,8561.83,7944.42,8540.0,2028.25,False,0,-0.12,-16.29
LI-2024-INS004-002610,2016-12-07,8,18,26,1998,female,current_smoker,28.3,72,208,CA,USA,single,some_college,white_collar,303706.28,0.2381,limited_exam,98,59,160,55,2.91,79,,True,96.4,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,39,UW-055,1.75,universal_life,100000,monthly,340.76,,15yr_declining,269.3,,,False,none,captive_agent,False,False,False,0.001966,0.006521,SOA_2015_VBT,SOA_Scale_MP2023,1.943,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001474,0.022,False,,1.0,False,,,,0.06,0.0408,False,normal_rate,2.77,2.81,False,False,False,True,False,0.884,70.0,55.0,super_preferred_longevity,98.6,baseline,1.321,0.05,False,,False,,99730.7,2783.81,2425.59,2726.08,647.44,False,0,4.42,0.18
LI-2024-INS004-002611,2002-01-26,25,44,69,1958,female,never_smoker,24.2,66,149,CA,USA,married,high_school,white_collar,52595.62,0.583,accelerated_UW,148,75,227,56,4.05,116,,False,72.7,,False,False,False,False,True,melanoma,0.7,none,none,anxiety,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,31,UW-425,2.25,indexed_ul,2000000,semi_annual,26930.0,,10yr_declining,45633.9,31852.46,0.698,True,coinsurance,direct_to_consumer,False,False,False,0.019523,0.071523,SOA_2015_VBT,SOA_Scale_MP2023,2.271,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024404,0.012,False,,1.0,False,,,,0.04,0.0414,False,normal_rate,3.93,2.97,False,False,False,False,False,0.918,49.0,24.0,standard_longevity,57.2,baseline,1.063,0.512,False,,False,,1954366.1,211198.21,195474.74,215440.0,51167.0,False,0,-0.47,-17.1
LI-2024-INS004-002612,2016-06-13,2,58,60,1958,male,never_smoker,22.3,76,183,OR,USA,divorced,bachelors,white_collar,26775.29,0.6629,limited_exam,112,56,173,62,2.79,99,,False,91.8,4.97,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,False,29,UW-091,0.82,universal_life,250000,annual,1068.14,,10yr_declining,727.39,,,False,none,bank,True,False,False,0.011219,0.009518,SOA_2015_VBT,SOA_Scale_MP2023,0.846,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2026-05-16,unknown,2.0,0.08,0.0421,False,normal_rate,4.8,2.31,False,False,False,False,False,0.867,31.3,29.3,preferred_longevity,66.4,baseline,1.003,0.856,False,,False,,249272.61,8957.04,8052.31,8545.12,2029.47,False,0,0.97,25.83
LI-2024-INS004-002613,2024-12-26,1,61,62,1963,male,never_smoker,28.2,69,191,MO,USA,married,high_school,professional,41517.32,0.4379,full_paramedical,139,93,206,35,5.89,88,6.1,False,,5.04,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-337,1.5,term_life,250000,annual,1978.66,25.0,none,,,,False,none,independent_broker,False,False,False,0.014051,0.033002,SOA_2015_VBT,SOA_Scale_MP2023,1.578,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007026,0.015,False,,1.0,False,,,,0.1,0.135,False,normal_rate,4.26,1.25,False,False,False,False,False,0.953,28.4,31.3,preferred_longevity,66.0,baseline,1.172,0.346,True,74.6,False,,250000.0,16127.54,16322.36,15829.28,3759.45,False,0,7.29,0.72
LI-2024-INS004-002614,2023-03-27,2,38,40,1985,male,current_smoker,23.7,75,189,MD,USA,married,high_school,professional,81058.21,0.8452,full_paramedical,115,76,203,58,3.5,87,,True,83.7,1.11,False,False,False,False,False,none,,none,none,none,8,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,19,UW-399,1.5,whole_life,250000,monthly,1104.43,,none,770.66,,,True,none,independent_broker,False,False,False,0.005165,0.010031,SOA_2015_VBT,SOA_Scale_MP2023,1.665,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.02,False,,1.0,False,,,,0.04,0.041,False,normal_rate,4.93,1.19,False,False,False,False,False,0.914,56.7,54.7,super_preferred_longevity,100.0,baseline,0.866,0.909,False,,False,,249229.34,8682.9,7629.06,8835.44,2098.42,False,0,4.85,13.58
LI-2024-INS004-002615,2011-07-08,11,73,84,1938,male,former_smoker,26.4,64,153,MT,USA,widowed,bachelors,professional,39319.85,0.5515,full_paramedical,121,72,173,43,4.02,88,,False,,1.3,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,5,UW-356,1.0,term_life,500000,monthly,3259.64,20.0,none,,,,False,none,independent_broker,False,False,False,0.111101,0.121663,SOA_2015_VBT,SOA_Scale_MP2023,1.008,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0378,False,normal_rate,3.4,2.12,False,False,False,False,False,0.757,12.3,1.3,sub_standard_longevity,22.7,baseline,1.086,0.525,False,,False,,500000.0,1565.3,1513.87,1695.01,11069.74,False,0,2.71,13.35
LI-2024-INS004-002616,2011-11-13,14,45,59,1966,male,never_smoker,23.8,76,195,AK,USA,married,high_school,white_collar,64132.26,0.5342,full_paramedical,134,87,195,53,3.68,85,5.6,False,,2.14,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-405,2.25,annuity_deferred,1000000,quarterly,10731.41,,none,11990.58,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.011215,0.044187,SOA_2015_VBT,SOA_Scale_MP2023,2.447,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014018,0.015,False,,1.0,False,,,,0.01,0.0178,False,normal_rate,2.92,2.13,False,False,False,False,False,0.874,45.2,34.1,preferred_longevity,71.7,baseline,1.099,0.675,True,61.8,False,,988009.42,92607.19,83173.09,85851.28,20389.68,False,0,1.25,-11.91
LI-2024-INS004-002617,2004-10-09,1,56,57,1948,female,never_smoker,28.4,66,175,MO,USA,widowed,bachelors,professional,45578.33,0.5487,simplified_issue,154,93,227,53,4.28,95,5.4,False,84.9,,True,False,False,False,False,none,,none,none,none,0,False,True,True,False,True,substandard_table_2,,2.0,False,False,False,False,39,UW-396,1.5,universal_life,500000,annual,3495.32,,10yr_declining,2102.2,,,False,none,captive_agent,False,False,False,0.006614,0.015517,SOA_2015_VBT,SOA_Scale_MP2023,1.696,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003307,0.008,False,,1.0,False,,,,0.12,0.0681,False,normal_rate,2.74,0.53,False,False,False,False,False,0.868,35.0,34.0,preferred_longevity,71.7,baseline,1.088,0.524,False,,False,,497897.8,28364.96,24904.94,27962.56,6641.11,False,0,6.13,6.08
LI-2024-INS004-002618,2002-07-19,19,44,63,1958,female,never_smoker,28.4,60,145,WY,USA,single,less_than_hs,professional,27316.29,0.6146,full_paramedical,128,61,190,53,3.58,101,,False,82.6,,False,True,False,False,False,none,,none,none,anxiety,3,True,False,False,False,False,preferred,2.14,,True,False,False,False,22,UW-285,0.81,indexed_ul,500000,semi_annual,2336.66,,15yr_declining,3167.14,,,False,none,captive_agent,False,False,False,0.011602,0.009078,SOA_2015_VBT,SOA_Scale_MP2023,0.753,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0483,False,normal_rate,3.5,0.52,False,False,False,False,False,0.906,49.1,30.1,preferred_longevity,66.9,baseline,1.039,0.477,False,,False,,496832.86,18332.45,16800.01,18693.28,4439.65,False,0,3.11,24.7
LI-2024-INS004-002619,2005-10-05,5,22,27,1983,female,never_smoker,21.8,59,108,TN,USA,married,some_college,professional,24448.46,0.488,full_paramedical,104,62,207,62,3.34,82,4.9,False,102.2,,False,False,False,False,False,none,,none,none,none,9,True,False,False,False,False,preferred_plus,2.3,,True,False,False,False,29,UW-194,0.68,annuity_deferred,500000,monthly,700.52,,none,497.82,,,False,none,bank,True,False,False,0.001023,0.000712,SOA_2015_VBT,SOA_Scale_MP2023,0.614,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0524,False,normal_rate,4.56,1.1,False,False,False,False,False,0.979,70.0,55.0,super_preferred_longevity,100.0,baseline,1.134,0.405,False,,False,,499502.18,5093.54,5226.14,5604.16,1330.99,False,0,3.05,25.92
LI-2024-INS004-002620,2018-07-18,8,79,87,1939,male,never_smoker,34.3,75,274,OH,USA,married,bachelors,heavy_blue_collar,35627.25,0.9798,full_paramedical,179,118,273,46,5.93,88,5.0,False,69.0,16.99,False,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,substandard_table_6,0.89,6.0,False,False,False,False,27,UW-179,2.5,term_life,1000000,annual,19363.19,15.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.110835,0.395736,SOA_2015_VBT,SOA_Scale_MP2023,2.706,cardiovascular,True,2024-10-01,False,False,481857.17,0.0007,5e-05,1.095,0.166252,0.005,False,,1.0,True,2025-10-14,voluntary_surrender,8.0,0.05,0.0641,False,normal_rate,4.18,0.79,False,False,False,False,False,0.84,8.2,1.0,sub_standard_longevity,28.7,baseline,0.765,0.983,False,,False,,1000000.0,7901.51,7747.52,7745.28,66222.11,False,0,-0.39,-15.98
LI-2024-INS004-002621,2010-11-21,6,37,43,1973,female,former_smoker,35.1,72,258,HI,USA,single,bachelors,professional,20000.0,0.8539,full_paramedical,130,74,192,56,3.43,101,5.5,False,74.1,,False,True,False,False,True,colorectal,1.5,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,43,UW-388,1.0,whole_life,250000,annual,915.31,,none,662.15,,,True,excess_of_loss,employer_group,False,False,False,0.003298,0.002991,SOA_2015_VBT,SOA_Scale_MP2023,1.055,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.0244,False,normal_rate,3.69,1.74,False,False,False,False,False,0.801,59.8,54.6,super_preferred_longevity,100.0,baseline,0.86,0.881,False,,True,0.532,249337.85,6989.71,6737.36,7322.48,1739.09,False,0,4.98,17.6
LI-2024-INS004-002622,2014-04-21,4,76,80,1938,male,former_smoker,24.1,72,178,CT,USA,married,some_college,white_collar,74088.04,0.4698,limited_exam,133,85,194,35,5.54,108,4.8,False,79.5,5.8,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,16,UW-462,1.0,universal_life,500000,semi_annual,3455.41,,15yr_declining,2610.08,,,True,quota_share,worksite,False,False,False,0.078707,0.092767,SOA_2015_VBT,SOA_Scale_MP2023,1.027,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.08,0.0477,False,normal_rate,4.27,2.5,False,False,False,False,False,0.868,9.0,5.0,sub_standard_longevity,27.0,baseline,1.148,0.558,False,,False,,497389.92,6298.33,6933.2,6910.82,10711.77,False,0,3.29,13.81
LI-2024-INS004-002623,2021-01-05,1,80,81,1941,male,current_smoker,22.6,64,131,IN,USA,widowed,high_school,white_collar,20000.0,0.3366,simplified_issue,127,72,198,40,4.95,109,5.0,True,,5.65,False,True,False,False,False,none,,none,moderate_gold_2,schizophrenia,1,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,3,UW-066,2.75,term_life,250000,annual,5309.67,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.124668,0.650812,SOA_2015_VBT,SOA_Scale_MP2023,2.781,respiratory,True,2021-02-09,True,False,464467.59,0.0007,5e-05,1.095,0.218169,0.008,True,0.00012,1.0,False,,,,0.1,0.2003,False,normal_rate,3.38,1.11,False,False,False,False,False,0.975,5.1,4.1,sub_standard_longevity,23.7,baseline,1.248,0.372,False,,False,,250000.0,7890.29,9073.32,8707.86,16842.27,False,0,-3.31,-20.0
LI-2024-INS004-002624,2020-08-07,2,74,76,1946,male,current_smoker,36.8,61,194,AL,USA,married,graduate,white_collar,68052.55,0.4261,accelerated_UW,152,104,192,42,4.57,113,5.4,True,,3.19,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,True,13,UW-282,2.5,whole_life,100000,annual,1398.49,,none,936.78,,,False,none,bank,False,True,False,0.084032,0.38286,SOA_2015_VBT,SOA_Scale_MP2023,2.589,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.126048,0.008,True,0.0,1.0,False,,,,0.04,0.0544,False,normal_rate,2.3,2.46,False,False,False,False,False,0.813,12.2,10.8,standard_longevity,35.1,baseline,1.18,0.434,True,51.9,False,,99063.22,5822.94,6098.3,6041.48,3686.42,False,0,0.09,-20.0
LI-2024-INS004-002625,2002-05-21,16,74,90,1928,male,former_smoker,27.1,76,222,RI,USA,married,high_school,professional,30336.96,0.6784,accelerated_UW,129,85,186,33,5.64,90,5.1,False,65.9,4.91,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,28,UW-112,1.25,term_life,250000,semi_annual,2482.35,30.0,none,,,,False,none,employer_group,False,False,False,0.13491,0.204893,SOA_2015_VBT,SOA_Scale_MP2023,1.28,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033728,0.012,False,,1.0,False,,,,0.03,0.0417,False,normal_rate,3.89,1.21,False,False,False,False,False,0.752,13.9,1.0,sub_standard_longevity,34.2,baseline,0.991,0.685,False,,False,,250000.0,1071.16,996.04,992.94,8489.64,False,0,2.65,7.19
LI-2024-INS004-002626,2007-11-08,5,65,70,1942,male,never_smoker,27.2,68,179,MO,USA,single,graduate,light_blue_collar,103572.05,0.5452,full_paramedical,121,70,207,38,5.45,107,,False,62.6,6.58,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-102,2.0,term_life,250000,semi_annual,3232.4,15.0,none,,,,False,none,independent_broker,False,False,False,0.024089,0.078391,SOA_2015_VBT,SOA_Scale_MP2023,2.066,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024089,0.008,False,,1.0,False,,,,0.07,0.0885,False,normal_rate,2.9,2.74,False,False,False,False,False,0.993,21.1,16.1,standard_longevity,44.8,baseline,1.091,0.643,False,,False,,250000.0,19596.18,18085.16,20816.66,7150.07,False,0,2.04,-9.94
LI-2024-INS004-002627,2020-01-02,7,74,81,1946,female,never_smoker,33.9,62,185,MS,USA,married,high_school,professional,29233.52,0.4399,full_paramedical,129,75,227,34,6.68,82,5.0,False,66.3,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-027,1.5,term_life,500000,semi_annual,5503.56,25.0,none,,,,False,none,captive_agent,False,False,False,0.051911,0.121825,SOA_2015_VBT,SOA_Scale_MP2023,1.522,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025955,0.008,True,0.00342,1.0,False,,,,0.05,0.0674,False,normal_rate,4.53,2.38,True,False,False,False,False,0.841,16.3,9.3,sub_standard_longevity,33.0,baseline,1.17,0.361,False,,False,,500000.0,18968.54,19554.48,20473.24,15167.81,False,0,2.67,1.17
LI-2024-INS004-002628,2013-03-17,1,56,57,1957,female,current_smoker,34.2,58,163,SD,USA,married,bachelors,white_collar,82409.38,0.4342,limited_exam,121,75,275,53,5.19,67,5.0,True,80.6,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,22,UW-155,1.75,term_life,2000000,monthly,14921.21,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.013767,0.038877,SOA_2015_VBT,SOA_Scale_MP2023,1.766,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010325,0.012,False,,1.0,False,,,,0.1,0.1353,False,normal_rate,3.4,1.98,False,False,False,False,False,0.759,36.2,35.2,preferred_longevity,71.8,baseline,1.174,0.484,False,,False,,2000000.0,126012.62,115492.92,119369.68,28350.3,False,0,1.81,-3.54
LI-2024-INS004-002629,2003-09-19,6,62,68,1941,female,never_smoker,28.2,60,144,NE,USA,married,bachelors,white_collar,20000.0,0.5702,accelerated_UW,153,94,215,42,5.12,66,5.3,False,68.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,9,UW-113,1.5,term_life,2000000,annual,19155.47,15.0,none,,,,True,none,captive_agent,True,False,False,0.016057,0.037474,SOA_2015_VBT,SOA_Scale_MP2023,1.71,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008029,0.008,False,,1.0,False,,,,0.05,0.0622,False,normal_rate,1.09,3.0,False,False,False,False,False,0.945,28.1,24.1,standard_longevity,57.2,baseline,1.072,0.444,True,61.1,False,,2000000.0,148344.42,131408.08,153243.76,36395.39,False,0,1.99,6.27
LI-2024-INS004-002630,2024-04-18,1,55,56,1969,male,never_smoker,32.6,70,227,CO,USA,married,bachelors,heavy_blue_collar,39961.78,0.684,limited_exam,144,87,220,41,5.37,92,5.7,False,98.4,2.02,False,True,True,False,False,none,,pre_diabetes,none,anxiety,12,False,False,False,False,True,substandard_table_1,0.84,1.0,False,False,False,False,36,UW-166,1.25,whole_life,250000,monthly,1617.92,,none,1075.56,,,False,none,captive_agent,True,False,False,0.008719,0.014038,SOA_2015_VBT,SOA_Scale_MP2023,1.378,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00218,0.015,False,,1.0,False,,,,0.06,0.0692,False,normal_rate,1.82,0.73,False,False,False,False,False,0.982,39.3,38.3,super_preferred_longevity,90.2,baseline,0.987,0.84,False,,False,,248924.44,12236.73,12277.12,12943.36,3074.05,False,0,6.14,13.34
LI-2024-INS004-002631,2017-05-13,6,18,24,1999,female,never_smoker,21.9,72,161,MI,USA,single,bachelors,white_collar,41416.84,0.3819,full_paramedical,131,78,162,54,3.0,107,,False,98.6,,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-395,2.0,universal_life,250000,annual,942.38,,15yr_declining,704.23,,,False,none,captive_agent,False,False,False,0.000913,0.003323,SOA_2015_VBT,SOA_Scale_MP2023,2.176,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000913,0.022,False,,1.0,False,,,,0.06,0.0377,False,normal_rate,1.21,1.91,False,False,False,False,False,0.957,70.0,63.7,super_preferred_longevity,100.0,baseline,1.214,0.477,True,78.8,False,,249295.77,7378.12,6431.52,7539.04,1790.52,False,0,4.07,-4.76
LI-2024-INS004-002632,2016-02-20,11,73,84,1943,female,never_smoker,37.9,71,271,NH,USA,married,graduate,light_blue_collar,20000.0,0.1637,accelerated_UW,144,86,215,41,5.24,108,5.0,False,75.5,,False,False,False,False,False,none,,none,none,schizophrenia,14,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,32,UW-160,2.25,whole_life,1000000,semi_annual,16366.59,,none,15213.13,,,True,none,independent_broker,False,False,False,0.065599,0.296206,SOA_2015_VBT,SOA_Scale_MP2023,2.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.081999,0.008,False,,1.0,True,2026-01-30,non_payment,11.0,0.015,0.0235,False,normal_rate,4.38,1.88,False,False,False,False,False,0.859,15.7,4.7,sub_standard_longevity,22.0,baseline,1.377,0.162,False,,False,,984786.87,27773.21,28307.43,30769.19,51129.23,False,0,-0.47,-20.0
LI-2024-INS004-002633,2017-08-02,9,65,74,1952,male,never_smoker,32.2,73,243,CA,USA,married,bachelors,professional,46961.32,0.9056,simplified_issue,137,77,233,36,6.47,88,5.1,False,68.6,9.74,False,False,False,True,False,none,,none,none,anxiety,2,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,49,UW-304,2.5,term_life,250000,monthly,3730.16,20.0,none,,,,False,none,bank,False,False,False,0.03513,0.129741,SOA_2015_VBT,SOA_Scale_MP2023,2.672,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.052695,0.012,False,,1.0,False,,,,0.05,0.0488,False,normal_rate,3.12,1.76,False,False,False,False,False,0.909,24.4,15.4,standard_longevity,49.2,baseline,0.821,0.648,False,,False,,250000.0,24908.97,22587.51,22977.79,8460.0,False,0,-1.32,-11.38
LI-2024-INS004-002634,2010-06-16,3,38,41,1972,female,never_smoker,28.2,68,185,UT,USA,widowed,graduate,white_collar,33109.68,0.4451,full_paramedical,119,77,120,37,3.24,98,4.9,False,,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,5,UW-095,0.65,whole_life,500000,semi_annual,962.72,,none,692.41,,,False,none,bank,False,False,False,0.002209,0.001419,SOA_2015_VBT,SOA_Scale_MP2023,0.551,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0538,False,normal_rate,4.5,2.51,False,False,False,False,False,0.838,60.0,61.1,super_preferred_longevity,100.0,baseline,1.166,0.518,True,66.8,False,,499307.59,7246.6,7591.97,7701.76,1829.17,False,0,1.67,24.68
LI-2024-INS004-002635,2020-06-13,7,63,70,1957,male,never_smoker,28.9,75,231,WA,USA,married,high_school,light_blue_collar,257238.58,0.6914,non_med_guaranteed,126,79,206,59,3.49,74,5.1,False,,8.12,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,standard_plus,,,False,False,False,False,51,UW-314,0.95,whole_life,500000,quarterly,2926.38,,none,2486.1,,,True,coinsurance,captive_agent,False,False,False,0.026309,0.026155,SOA_2015_VBT,SOA_Scale_MP2023,0.95,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00163,1.0,False,,,,0.02,0.0229,False,normal_rate,4.84,2.06,False,False,False,False,False,0.779,26.3,19.3,standard_longevity,51.8,baseline,0.981,0.544,False,,False,,497513.9,24847.59,23237.42,22591.65,5724.0,False,0,3.33,27.97
LI-2024-INS004-002636,2024-09-26,1,28,29,1996,female,former_smoker,16.5,72,121,MI,USA,married,high_school,light_blue_collar,111106.72,0.5709,full_paramedical,105,60,219,51,4.29,62,4.9,False,,,False,True,True,False,False,none,,none,none,none,3,False,True,False,False,False,preferred,,,False,False,False,False,23,UW-283,0.84,universal_life,250000,monthly,509.28,,10yr_declining,303.37,,,True,quota_share,independent_broker,False,False,False,0.00145,0.001321,SOA_2015_VBT,SOA_Scale_MP2023,0.85,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.12,0.0671,False,normal_rate,3.09,0.95,False,False,False,True,False,0.938,70.0,62.7,super_preferred_longevity,100.0,baseline,1.072,0.678,True,74.2,False,,249696.63,3670.8,3783.1,4074.24,967.63,False,0,8.25,19.84
LI-2024-INS004-002637,2014-07-26,13,25,38,1989,female,never_smoker,22.2,71,159,VT,USA,married,bachelors,professional,49872.44,0.1248,full_paramedical,122,71,189,66,2.86,105,,False,92.0,,True,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-278,2.0,universal_life,1000000,semi_annual,5953.86,,15yr_declining,6389.16,,,True,facultative,direct_to_consumer,False,False,False,0.001816,0.007428,SOA_2015_VBT,SOA_Scale_MP2023,2.197,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001816,0.02,False,,1.0,False,,,,0.04,0.0403,False,normal_rate,3.67,0.87,False,False,False,False,False,0.91,70.0,54.5,super_preferred_longevity,96.1,baseline,1.406,0.206,True,30.0,False,,993610.84,43162.86,41228.36,47630.88,11312.33,False,0,2.66,-9.79
LI-2024-INS004-002638,2010-07-23,3,24,27,1986,male,never_smoker,23.8,60,121,ME,USA,single,bachelors,professional,35685.29,0.395,full_paramedical,110,75,206,58,3.55,97,,False,109.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-052,2.25,term_life,100000,annual,477.78,25.0,none,,,,False,none,independent_broker,False,False,False,0.001279,0.005116,SOA_2015_VBT,SOA_Scale_MP2023,2.285,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001599,0.02,False,,1.0,False,,,,0.07,0.0969,False,normal_rate,2.95,1.94,False,False,False,False,False,0.962,69.1,57.8,super_preferred_longevity,100.0,baseline,1.204,0.367,True,49.6,False,,100000.0,3757.3,3911.68,3822.24,907.78,False,0,-0.89,-14.02
LI-2024-INS004-002639,2003-07-01,19,53,72,1950,female,never_smoker,27.6,63,155,SC,USA,single,graduate,white_collar,178878.09,0.9476,full_paramedical,127,71,229,50,4.58,66,5.7,False,68.9,,False,False,False,False,True,breast,8.6,none,none,bipolar,1,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,15,UW-479,2.0,term_life,100000,annual,1150.82,30.0,none,,,,False,none,bank,False,False,False,0.023034,0.062886,SOA_2015_VBT,SOA_Scale_MP2023,2.192,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023034,0.012,False,,1.0,False,,,,0.03,0.0283,False,normal_rate,3.99,0.6,False,False,False,False,False,0.775,40.3,21.3,standard_longevity,58.7,baseline,0.789,0.943,False,,False,,100000.0,9930.33,8118.18,9206.56,2186.56,False,0,2.64,-5.4
LI-2024-INS004-002640,2022-10-25,3,32,35,1990,female,never_smoker,25.6,63,144,NM,USA,married,less_than_hs,light_blue_collar,49876.53,0.2443,full_paramedical,113,75,215,47,4.57,114,,False,87.4,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,9,UW-229,0.58,indexed_ul,1000000,monthly,1726.47,,15yr_declining,1247.62,,,True,none,direct_to_consumer,False,False,False,0.001517,0.006097,SOA_2015_VBT,SOA_Scale_MP2023,0.582,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00493,1.0,False,,,,0.08,0.1062,False,normal_rate,4.55,2.86,True,False,False,False,False,0.771,65.2,55.0,super_preferred_longevity,98.7,baseline,1.317,0.258,False,,False,,998752.38,14226.01,13663.45,13811.76,3280.29,False,0,3.76,21.36
LI-2024-INS004-002641,2019-04-28,6,27,33,1992,female,never_smoker,33.4,65,200,OR,USA,single,less_than_hs,hazardous,75948.16,0.4015,non_med_guaranteed,123,81,250,56,4.46,91,5.6,False,96.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard,4.22,,True,False,False,False,10,UW-105,1.09,whole_life,500000,quarterly,1710.82,,none,1390.39,,,True,excess_of_loss,employer_group,False,False,False,0.001358,0.001751,SOA_2015_VBT,SOA_Scale_MP2023,1.0,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000122,0.022,False,,1.0,False,,,,0.02,0.0331,False,normal_rate,4.06,2.14,False,False,False,False,False,0.781,70.0,55.0,super_preferred_longevity,100.0,baseline,1.199,0.29,False,,False,,498609.61,14880.93,12091.93,13686.56,3250.56,False,0,4.94,19.04
LI-2024-INS004-002642,2017-02-12,3,46,49,1971,male,never_smoker,23.9,69,162,NH,USA,divorced,graduate,professional,75478.98,0.8747,full_paramedical,117,77,210,51,4.12,114,4.8,False,83.7,2.6,False,False,False,False,False,none,,none,none,none,4,False,True,False,False,False,preferred,,,False,False,False,False,30,UW-005,0.83,universal_life,500000,quarterly,1902.22,,15yr_declining,1320.0,,,False,none,worksite,False,False,False,0.004956,0.003275,SOA_2015_VBT,SOA_Scale_MP2023,0.783,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.036,False,normal_rate,3.32,0.8,False,False,False,False,False,0.872,46.6,43.6,super_preferred_longevity,91.0,baseline,0.844,0.75,False,,False,,498680.0,16510.79,15245.32,15217.76,3614.22,False,0,5.42,23.72
LI-2024-INS004-002643,2017-12-06,6,48,54,1969,male,never_smoker,27.8,64,161,MO,USA,married,bachelors,white_collar,27621.2,0.4123,full_paramedical,120,69,274,50,5.48,112,,False,67.8,2.87,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-364,1.25,universal_life,100000,annual,603.26,,15yr_declining,477.79,,,False,none,bank,False,False,False,0.007392,0.014092,SOA_2015_VBT,SOA_Scale_MP2023,1.391,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001848,0.015,False,,1.0,False,,,,0.06,0.037,False,normal_rate,4.39,2.66,False,False,False,False,False,0.857,42.2,36.2,preferred_longevity,73.0,baseline,1.191,0.633,False,,False,,99522.21,4687.05,4732.99,4826.08,1146.19,False,0,3.27,11.51
LI-2024-INS004-002644,2010-08-01,9,45,54,1965,female,never_smoker,21.9,69,148,SC,USA,single,bachelors,light_blue_collar,20000.0,0.5112,full_paramedical,125,70,205,49,4.18,90,5.1,False,,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,5,UW-007,0.69,whole_life,250000,monthly,681.59,,none,580.85,,,True,excess_of_loss,captive_agent,False,False,False,0.005914,0.003685,SOA_2015_VBT,SOA_Scale_MP2023,0.558,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.0258,False,normal_rate,5.14,0.6,False,False,False,False,False,0.884,49.0,40.0,super_preferred_longevity,80.2,baseline,1.117,0.542,False,,False,,249419.15,5287.99,5345.03,5452.72,1295.02,False,0,-0.98,18.63
LI-2024-INS004-002645,2007-02-12,17,19,36,1988,female,never_smoker,30.7,68,202,IL,USA,divorced,some_college,heavy_blue_collar,34341.07,0.7962,full_paramedical,129,74,188,45,4.18,81,,False,99.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,0.94,,False,False,False,False,26,UW-440,0.95,universal_life,500000,annual,1423.31,,10yr_declining,1709.17,,,False,none,bank,False,False,False,0.001608,0.001396,SOA_2015_VBT,SOA_Scale_MP2023,0.962,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0425,False,normal_rate,3.46,2.55,False,False,False,True,False,0.763,70.0,51.8,super_preferred_longevity,100.0,baseline,0.903,0.864,False,,True,-0.823,498290.83,12182.34,11191.86,11386.48,2704.29,False,0,3.97,22.53
LI-2024-INS004-002646,2019-05-10,8,75,83,1944,female,never_smoker,17.9,61,94,AR,USA,married,less_than_hs,hazardous,61219.68,0.4098,full_paramedical,134,77,268,77,3.48,73,5.0,False,94.3,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,4.95,5.0,True,False,False,False,24,UW-460,2.25,whole_life,250000,monthly,3418.55,,none,2869.82,,,False,none,worksite,False,False,False,0.060694,0.241416,SOA_2015_VBT,SOA_Scale_MP2023,2.287,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.075868,0.008,False,,1.0,False,,,,0.02,0.0274,False,normal_rate,2.72,1.05,False,False,False,False,False,0.786,14.9,7.7,sub_standard_longevity,30.2,baseline,1.193,0.425,True,68.3,False,,247130.18,10126.68,9344.9,10529.13,9859.1,False,0,-1.19,-3.44
LI-2024-INS004-002647,2022-10-19,4,31,35,1991,male,never_smoker,30.4,67,193,NH,USA,divorced,bachelors,professional,128053.09,0.5122,full_paramedical,117,75,245,45,5.44,84,5.4,False,96.2,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-412,1.25,group_life,100000,quarterly,379.05,,none,,,,False,none,captive_agent,False,False,False,0.001896,0.009068,SOA_2015_VBT,SOA_Scale_MP2023,1.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.022,True,0.00582,1.0,False,,,,0.15,0.1935,False,normal_rate,3.16,2.63,False,False,False,False,False,0.848,63.5,55.0,super_preferred_longevity,100.0,baseline,1.116,0.622,False,,False,,100000.0,3309.98,2998.55,3032.4,720.19,False,0,3.03,13.96
LI-2024-INS004-002648,2019-12-01,3,19,22,2000,male,former_smoker,32.5,62,177,CA,USA,single,some_college,professional,110379.95,0.4249,simplified_issue,138,87,213,52,4.1,126,5.4,False,98.7,,True,False,False,False,False,none,,none,none,bipolar,4,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-243,2.0,term_life,500000,semi_annual,1919.77,30.0,none,,,,False,none,captive_agent,False,False,False,0.001388,0.004803,SOA_2015_VBT,SOA_Scale_MP2023,2.083,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001388,0.012,False,,1.0,False,,,,0.07,0.0952,False,normal_rate,3.52,0.91,False,False,False,False,False,0.789,70.0,55.0,super_preferred_longevity,100.0,baseline,1.181,0.491,True,79.8,True,1.959,500000.0,16238.04,15007.26,15358.16,3647.56,False,0,4.9,-9.14
LI-2024-INS004-002649,2012-07-09,15,60,75,1952,female,never_smoker,21.1,60,107,WI,USA,single,bachelors,white_collar,34318.53,0.4426,accelerated_UW,132,84,204,44,4.64,64,,False,88.2,,False,False,False,False,False,none,,none,none,none,0,False,True,False,True,True,preferred,,,False,False,False,True,41,UW-162,0.78,term_life,250000,monthly,1399.33,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.03067,0.027513,SOA_2015_VBT,SOA_Scale_MP2023,0.768,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0565,False,normal_rate,3.32,1.17,False,False,False,True,False,0.781,31.5,16.5,standard_longevity,43.9,baseline,1.168,0.288,False,,False,,250000.0,10075.87,8107.52,9235.58,3050.54,False,0,2.36,20.24
LI-2024-INS004-002650,2018-11-19,4,22,26,1996,female,current_smoker,29.8,70,207,WY,USA,married,graduate,white_collar,84162.35,0.6644,full_paramedical,107,75,154,42,3.67,110,5.0,True,105.1,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-112,1.5,whole_life,2000000,quarterly,7224.78,,none,4941.18,,,True,excess_of_loss,bank,False,False,False,0.001966,0.004307,SOA_2015_VBT,SOA_Scale_MP2023,1.688,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000983,0.022,False,,1.0,False,,,,0.04,0.0467,False,normal_rate,5.56,2.6,False,False,False,False,False,0.894,70.0,55.0,super_preferred_longevity,100.0,baseline,1.002,0.731,False,,False,,1995058.82,57380.07,58666.11,57798.24,13727.08,False,0,2.3,7.91
LI-2024-INS004-002651,2011-12-24,15,70,85,1941,female,never_smoker,23.9,60,122,MA,USA,married,bachelors,heavy_blue_collar,78506.21,0.7121,full_paramedical,132,81,181,55,3.29,92,,False,53.4,,True,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,1.49,5.0,False,False,False,False,7,UW-118,2.25,group_life,1000000,monthly,16148.85,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.070308,0.245171,SOA_2015_VBT,SOA_Scale_MP2023,2.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.087885,0.008,False,,1.0,True,2025-05-22,unknown,15.0,0.1,0.113,False,normal_rate,3.78,2.41,False,False,False,False,False,0.84,23.6,8.6,standard_longevity,46.1,baseline,0.966,0.871,False,,False,,1000000.0,57930.04,48004.98,55552.04,45410.57,False,0,3.52,-11.69
LI-2024-INS004-002652,2009-11-02,15,53,68,1956,female,former_smoker,38.1,70,265,LA,USA,widowed,some_college,white_collar,54815.5,0.2515,simplified_issue,143,77,265,34,7.79,86,5.7,False,70.3,,False,False,False,True,False,none,,pre_diabetes,none,bipolar,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,46,UW-475,2.5,term_life,500000,annual,7534.46,20.0,none,,,,False,none,independent_broker,False,False,False,0.022707,0.114071,SOA_2015_VBT,SOA_Scale_MP2023,2.687,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03406,0.012,False,,1.0,False,,,,0.03,0.045,False,normal_rate,1.78,2.53,False,False,False,True,False,0.944,38.4,23.4,standard_longevity,51.4,baseline,1.311,0.4,False,,False,,500000.0,55926.32,62345.33,60275.68,14315.47,False,0,-0.97,-18.94
LI-2024-INS004-002653,2004-07-14,19,34,53,1970,male,never_smoker,30.7,69,207,MD,USA,married,graduate,white_collar,78317.6,0.2413,full_paramedical,117,75,246,52,4.73,76,6.2,False,90.6,1.97,False,True,False,True,False,none,,none,none,bipolar,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,54,UW-500,2.5,term_life,2000000,quarterly,20104.42,20.0,none,,,,True,none,bank,False,False,False,0.006813,0.034196,SOA_2015_VBT,SOA_Scale_MP2023,2.668,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01022,0.018,False,,1.0,False,,,,0.03,0.0452,False,normal_rate,6.06,1.3,False,False,False,False,False,0.858,55.9,36.9,preferred_longevity,71.5,baseline,1.319,0.307,False,,False,,2000000.0,147862.3,140549.9,160835.36,38198.4,False,0,0.08,-20.0
LI-2024-INS004-002654,2016-11-12,9,52,61,1964,female,former_smoker,23.0,65,138,WI,USA,married,some_college,white_collar,22216.92,0.2301,full_paramedical,121,68,143,50,2.86,67,5.5,False,,,False,False,True,False,False,none,,none,none,none,0,False,False,True,False,True,preferred,,,False,False,False,False,60,UW-356,0.76,term_life,1000000,quarterly,4040.62,15.0,none,,,,True,none,direct_to_consumer,False,False,False,0.013618,0.014787,SOA_2015_VBT,SOA_Scale_MP2023,0.818,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.1061,False,normal_rate,3.23,1.58,True,False,False,False,False,0.929,43.7,34.7,preferred_longevity,78.0,baseline,1.327,0.232,False,,False,,1000000.0,35107.62,29639.66,32324.96,7677.18,False,0,4.68,29.57
LI-2024-INS004-002655,2010-06-23,16,30,46,1980,female,current_smoker,29.5,66,182,NV,USA,married,bachelors,light_blue_collar,37774.69,0.7465,simplified_issue,121,94,255,40,6.38,106,,True,90.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,44,UW-087,2.0,universal_life,250000,annual,1976.58,,15yr_declining,2364.76,,,False,none,bank,False,False,False,0.006309,0.019281,SOA_2015_VBT,SOA_Scale_MP2023,2.187,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006309,0.02,False,,1.0,False,,,,0.04,0.1175,True,normal_rate,2.7,0.83,True,False,False,False,False,0.814,67.6,51.6,super_preferred_longevity,100.0,baseline,0.94,0.636,False,,False,,247635.24,15663.87,15539.91,15812.64,3755.5,False,0,3.13,1.12
LI-2024-INS004-002656,2021-11-10,2,74,76,1947,male,never_smoker,33.6,72,248,NM,USA,single,some_college,white_collar,52029.19,0.7972,full_paramedical,138,82,229,42,5.45,122,5.5,False,81.7,6.56,False,False,False,False,True,melanoma,2.2,none,none,schizophrenia,3,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,39,UW-024,2.25,term_life,100000,semi_annual,1599.39,25.0,none,,,,False,none,bank,False,False,False,0.042355,0.145684,SOA_2015_VBT,SOA_Scale_MP2023,2.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.052944,0.008,True,0.00165,1.0,False,,,,0.07,0.0744,False,normal_rate,3.71,2.51,False,False,False,False,False,0.78,13.9,12.1,standard_longevity,42.6,baseline,0.902,0.708,True,38.8,False,,100000.0,7679.98,8121.55,7741.05,4049.66,False,0,0.83,-12.73
LI-2024-INS004-002657,2006-12-12,12,29,41,1977,female,never_smoker,27.9,70,194,MA,USA,married,less_than_hs,light_blue_collar,112666.85,0.2331,accelerated_UW,114,74,196,59,3.32,78,5.4,False,79.3,,True,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,54,UW-093,2.5,annuity_deferred,500000,monthly,4535.09,,none,4711.66,,,False,none,captive_agent,False,False,False,0.002209,0.010893,SOA_2015_VBT,SOA_Scale_MP2023,2.589,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003314,0.018,False,,1.0,False,,,,0.01,0.0151,False,normal_rate,2.95,2.86,False,False,False,False,False,0.812,65.9,53.9,super_preferred_longevity,96.8,baseline,1.325,0.2,False,,False,,495288.34,39748.73,35454.83,36280.72,8616.67,False,0,-0.37,-16.01
LI-2024-INS004-002658,2018-09-22,5,62,67,1956,female,never_smoker,30.2,66,187,WI,USA,married,high_school,heavy_blue_collar,105333.25,0.7176,full_paramedical,139,81,237,50,4.74,80,4.7,False,77.5,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,0.74,1.0,False,False,False,False,21,UW-459,1.25,term_life,500000,monthly,3733.73,10.0,none,,,,False,none,direct_to_consumer,False,False,False,0.016011,0.023652,SOA_2015_VBT,SOA_Scale_MP2023,1.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004003,0.012,False,,1.0,True,2025-09-01,non_payment,5.0,0.07,0.4427,False,normal_rate,3.16,1.14,False,False,False,True,False,0.864,31.2,27.5,preferred_longevity,64.5,baseline,0.962,0.793,False,,True,0.896,500000.0,28720.12,25646.26,29869.84,7094.09,False,0,6.05,11.99
LI-2024-INS004-002659,2016-04-17,10,59,69,1957,female,never_smoker,29.6,69,200,MT,USA,married,high_school,light_blue_collar,23907.04,0.3839,full_paramedical,160,101,191,26,7.35,103,,False,87.4,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,40,UW-058,2.0,term_life,500000,annual,5221.82,25.0,none,,,,False,none,worksite,True,False,False,0.019289,0.069344,SOA_2015_VBT,SOA_Scale_MP2023,2.141,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019289,0.012,False,,1.0,False,,,,0.05,0.0696,False,normal_rate,3.05,1.86,False,False,False,False,False,0.895,33.0,23.0,standard_longevity,52.8,baseline,1.212,0.402,False,,False,,500000.0,42552.89,37668.65,41774.56,9921.46,False,0,-1.07,-9.5
LI-2024-INS004-002660,2005-10-26,10,32,42,1973,female,former_smoker,22.4,64,130,MA,USA,divorced,graduate,white_collar,78491.86,0.5148,full_paramedical,114,68,165,76,2.17,75,,False,101.1,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,,,False,False,False,False,17,UW-481,0.91,term_life,500000,annual,1665.26,20.0,none,,,,False,none,employer_group,False,False,False,0.003075,0.003367,SOA_2015_VBT,SOA_Scale_MP2023,0.983,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0773,False,normal_rate,1.71,0.99,False,False,False,False,False,0.978,63.4,53.4,super_preferred_longevity,100.0,baseline,1.114,0.437,False,,False,,500000.0,12120.87,12610.41,13322.08,3163.99,False,0,5.0,23.77
LI-2024-INS004-002661,2022-06-21,3,79,82,1943,male,never_smoker,33.5,67,213,PA,USA,divorced,bachelors,professional,20000.0,0.7745,accelerated_UW,143,92,266,51,5.22,110,10.0,False,77.4,6.37,False,True,True,False,False,none,,type_2,none,schizophrenia,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,True,24,UW-194,3.0,term_life,500000,monthly,11000.36,30.0,none,,,,False,none,independent_broker,False,False,False,0.069055,0.352938,SOA_2015_VBT,SOA_Scale_MP2023,3.331,cardiovascular,True,2024-06-18,True,True,1553326.08,0.0007,5e-05,1.095,0.13811,0.008,True,0.00341,1.0,False,,,,0.07,0.0756,False,normal_rate,4.27,1.02,False,False,False,False,False,0.915,11.2,8.2,standard_longevity,46.4,baseline,0.919,0.592,False,,False,,500000.0,37292.14,37442.59,36081.18,31285.02,False,0,-0.87,-20.0
LI-2024-INS004-002662,2017-11-25,7,65,72,1952,male,never_smoker,21.2,64,123,SD,USA,divorced,bachelors,professional,104924.27,0.8914,limited_exam,126,77,245,67,3.66,72,,False,76.9,5.08,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,6,UW-116,0.62,indexed_ul,250000,annual,938.95,,10yr_declining,740.79,,,False,none,bank,False,False,False,0.029496,0.015769,SOA_2015_VBT,SOA_Scale_MP2023,0.643,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0266,False,normal_rate,3.06,1.99,False,False,False,False,False,0.81,24.3,19.6,standard_longevity,55.3,baseline,0.831,1.0,True,73.1,False,,249259.21,7976.4,7272.42,7361.37,1814.05,False,0,4.02,33.7
LI-2024-INS004-002663,2004-11-05,3,73,76,1931,female,never_smoker,30.4,70,211,MO,USA,single,high_school,heavy_blue_collar,128282.52,0.5658,limited_exam,151,90,267,52,5.13,97,,False,55.8,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,1.21,5.0,False,False,False,False,24,UW-470,2.25,term_life,2000000,monthly,27322.17,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.033019,0.129534,SOA_2015_VBT,SOA_Scale_MP2023,2.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041274,0.005,False,,1.0,False,,,,0.07,0.0873,False,normal_rate,3.78,1.1,False,False,False,False,False,0.821,15.3,12.3,standard_longevity,39.4,baseline,1.076,0.595,False,,False,,2000000.0,122025.25,132427.41,134425.08,68742.58,False,0,1.32,-12.68
LI-2024-INS004-002664,2019-07-25,4,72,76,1947,male,never_smoker,37.5,73,283,VT,USA,married,bachelors,professional,115231.17,0.6953,full_paramedical,119,66,224,41,5.46,86,4.2,False,,2.53,False,True,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-275,2.25,universal_life,1000000,annual,14474.31,,15yr_declining,9575.37,,,True,none,captive_agent,False,False,False,0.042355,0.147729,SOA_2015_VBT,SOA_Scale_MP2023,2.287,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.052944,0.008,False,,1.0,False,,,,0.08,0.0412,False,normal_rate,2.35,1.97,False,False,False,False,False,0.974,15.5,11.5,standard_longevity,40.2,baseline,0.979,0.549,False,,False,,990424.63,71715.68,57766.36,66581.83,37343.72,False,0,-0.15,-12.73
LI-2024-INS004-002665,2022-02-28,1,24,25,1998,female,never_smoker,23.4,70,163,VA,USA,divorced,bachelors,light_blue_collar,31394.64,0.495,full_paramedical,90,56,187,60,3.12,99,,False,85.1,,False,True,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-402,2.25,whole_life,1000000,monthly,4164.0,,none,2497.75,,,True,coinsurance,bank,False,False,False,0.000946,0.004636,SOA_2015_VBT,SOA_Scale_MP2023,2.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001183,0.022,True,0.00094,1.0,False,,,,0.06,0.0782,False,normal_rate,1.51,2.54,False,False,False,False,False,0.908,70.0,55.0,super_preferred_longevity,100.0,baseline,1.129,0.462,False,,False,,997502.25,32611.0,31570.08,33312.0,7911.6,False,0,0.47,-11.69
LI-2024-INS004-002666,2019-09-23,4,67,71,1952,male,former_smoker,26.4,69,178,MS,USA,married,bachelors,light_blue_collar,61562.2,0.6066,full_paramedical,106,63,207,40,5.17,82,,False,,5.88,True,True,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,33,UW-044,1.25,whole_life,1000000,annual,8347.93,,none,5643.89,2460.74,0.436,True,none,worksite,False,False,False,0.035137,0.055712,SOA_2015_VBT,SOA_Scale_MP2023,1.278,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008784,0.012,False,,1.0,False,,,,0.04,0.0292,False,normal_rate,2.12,0.68,False,False,False,False,False,0.891,21.2,19.5,standard_longevity,50.8,baseline,1.045,0.582,True,72.1,False,,994356.11,68925.12,62015.92,65113.85,16194.99,False,0,-1.1,6.59
LI-2024-INS004-002667,2011-03-05,1,24,25,1987,female,current_smoker,28.9,65,173,KY,USA,single,less_than_hs,white_collar,35157.75,0.5317,full_paramedical,106,65,163,34,4.79,117,4.8,True,,,False,False,False,False,True,breast,1.9,none,none,bipolar,6,False,False,False,False,True,standard,,,False,True,False,False,44,UW-117,1.0,term_life,1000000,quarterly,2073.94,30.0,none,,,,True,none,bank,False,False,False,0.001892,0.002178,SOA_2015_VBT,SOA_Scale_MP2023,1.045,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.1,0.1275,False,normal_rate,2.12,1.05,False,False,False,True,False,0.981,70.0,55.0,super_preferred_longevity,100.0,baseline,1.101,0.393,False,,False,,1000000.0,14969.5,16376.87,16591.52,3940.49,False,0,3.4,14.89
LI-2024-INS004-002668,2019-08-08,5,19,24,2000,female,never_smoker,32.9,65,197,WY,USA,married,bachelors,white_collar,114258.05,0.6869,full_paramedical,103,56,184,30,6.13,69,6.0,False,92.8,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-314,1.5,term_life,100000,annual,262.39,20.0,none,,,,False,none,bank,False,False,False,0.000913,0.001897,SOA_2015_VBT,SOA_Scale_MP2023,1.603,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000456,0.012,False,,1.0,False,,,,0.07,0.0805,False,normal_rate,2.5,1.3,False,False,False,False,False,0.991,70.0,55.0,super_preferred_longevity,100.0,baseline,0.985,0.748,False,,False,,100000.0,2046.17,2001.95,2099.12,498.54,False,0,1.96,4.08
LI-2024-INS004-002669,2012-12-07,1,79,80,1933,male,former_smoker,26.3,60,134,MS,USA,single,less_than_hs,professional,59139.08,0.6795,full_paramedical,142,80,230,48,4.79,109,,False,79.8,14.79,True,False,False,True,False,none,,none,none,none,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,38,UW-197,2.5,term_life,250000,quarterly,3705.69,20.0,none,,,,False,none,independent_broker,False,False,False,0.076759,0.323053,SOA_2015_VBT,SOA_Scale_MP2023,2.735,cardiovascular,True,2013-06-13,True,False,613622.62,0.0007,5e-05,1.095,0.115138,0.005,False,,1.0,False,,,,0.1,0.1156,False,normal_rate,4.1,2.73,False,False,False,False,False,0.994,6.1,5.1,sub_standard_longevity,30.3,baseline,0.99,0.662,False,,False,,250000.0,7233.77,6711.05,7559.61,11457.99,False,0,0.72,-20.0
LI-2024-INS004-002670,2002-08-21,1,45,46,1957,male,former_smoker,28.1,73,212,DE,USA,single,some_college,white_collar,51625.19,0.5402,accelerated_UW,109,69,251,36,6.97,84,,False,,1.19,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,21,UW-279,1.5,term_life,500000,annual,3198.17,15.0,none,,,,False,none,worksite,False,False,False,0.004654,0.010878,SOA_2015_VBT,SOA_Scale_MP2023,1.678,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002327,0.012,False,,1.0,False,,,,0.1,0.1268,False,normal_rate,0.93,1.33,False,False,False,False,False,0.811,43.7,47.7,super_preferred_longevity,92.2,baseline,1.095,0.653,True,68.2,False,,500000.0,23220.97,26361.08,25585.36,6076.52,False,0,2.8,8.92
LI-2024-INS004-002671,2010-04-24,17,59,76,1951,female,former_smoker,27.8,62,151,NC,USA,divorced,high_school,light_blue_collar,92049.81,0.4586,full_paramedical,160,96,222,54,4.11,104,,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-224,1.5,universal_life,1000000,quarterly,10903.73,,10yr_declining,13471.93,,,True,none,employer_group,False,False,False,0.042986,0.105972,SOA_2015_VBT,SOA_Scale_MP2023,1.7,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021493,0.012,False,,1.0,False,,,,0.04,0.064,False,normal_rate,3.83,2.24,False,False,False,False,False,0.875,32.4,16.2,standard_longevity,43.7,baseline,1.156,0.61,True,49.7,False,,986528.07,74218.81,73780.09,70656.17,24031.82,False,0,1.51,6.91
LI-2024-INS004-002672,2016-02-16,5,65,70,1951,male,former_smoker,28.5,69,192,NV,USA,single,high_school,white_collar,39184.75,0.4198,full_paramedical,149,98,156,42,3.71,65,,False,,4.61,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,29,UW-196,1.5,whole_life,1000000,monthly,8476.02,,none,6562.71,,,True,facultative,direct_to_consumer,False,False,False,0.031812,0.075853,SOA_2015_VBT,SOA_Scale_MP2023,1.59,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015906,0.012,False,,1.0,False,,,,0.04,0.0764,False,normal_rate,2.45,1.8,False,False,False,False,False,0.942,22.3,18.1,standard_longevity,45.9,baseline,1.185,0.311,True,35.2,True,0.477,993437.29,65687.58,53409.64,61366.38,17392.79,False,0,1.93,3.37
LI-2024-INS004-002673,2011-10-21,1,46,47,1965,female,former_smoker,36.6,58,174,ND,USA,widowed,less_than_hs,professional,155482.46,0.9199,full_paramedical,135,86,195,45,4.33,102,8.6,False,89.3,,True,True,True,False,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,13,UW-357,2.25,indexed_ul,1000000,annual,8959.92,,10yr_declining,5853.67,,,True,none,employer_group,True,False,False,0.004421,0.013953,SOA_2015_VBT,SOA_Scale_MP2023,2.353,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005526,0.015,False,,1.0,False,,,,0.11,0.0573,False,normal_rate,2.21,1.24,False,False,False,False,False,0.862,52.6,50.6,super_preferred_longevity,100.0,baseline,0.81,0.875,True,26.7,False,,994146.33,64896.47,67392.34,71679.36,17023.85,False,0,0.76,-7.8
LI-2024-INS004-002674,2023-05-15,3,30,33,1993,male,never_smoker,32.9,74,255,CT,USA,single,graduate,heavy_blue_collar,66127.28,0.5834,full_paramedical,134,88,224,55,4.07,112,5.7,False,103.4,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,1.21,5.0,False,False,False,False,10,UW-372,2.25,term_life,1000000,monthly,6269.68,20.0,none,,,,True,quota_share,independent_broker,True,False,False,0.001698,0.006458,SOA_2015_VBT,SOA_Scale_MP2023,2.404,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002122,0.022,False,,1.0,False,,,,0.07,0.0863,False,normal_rate,2.26,1.72,False,False,False,False,False,0.76,65.0,55.0,super_preferred_longevity,100.0,baseline,1.062,0.679,False,,False,,1000000.0,53950.64,47854.86,50157.44,11912.39,False,0,5.48,-11.0
LI-2024-INS004-002675,2013-03-23,4,42,46,1971,female,never_smoker,29.6,59,146,TN,USA,married,graduate,white_collar,103735.87,0.2038,full_paramedical,130,85,180,43,4.19,104,5.2,False,90.3,,True,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,standard_plus,,,False,False,False,False,9,UW-422,0.93,whole_life,100000,monthly,410.06,,none,280.05,,,False,none,independent_broker,False,False,False,0.003155,0.003854,SOA_2015_VBT,SOA_Scale_MP2023,0.907,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0861,False,normal_rate,3.7,0.75,False,False,False,False,False,0.801,54.9,50.9,super_preferred_longevity,100.0,baseline,1.347,0.216,False,,False,,99719.95,2999.46,3193.67,3280.48,779.11,False,0,7.24,14.13
LI-2024-INS004-002676,2018-08-07,5,22,27,1996,female,never_smoker,27.2,70,189,AL,USA,married,some_college,professional,20000.0,0.8734,full_paramedical,116,70,190,67,2.84,99,,False,99.6,,False,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,preferred_plus,,,False,False,False,False,51,UW-176,0.58,term_life,250000,semi_annual,352.04,30.0,none,,,,False,none,independent_broker,False,False,False,0.001023,0.000564,SOA_2015_VBT,SOA_Scale_MP2023,0.652,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0701,False,normal_rate,3.18,1.62,False,False,False,False,False,0.877,70.0,62.6,super_preferred_longevity,100.0,baseline,0.845,1.0,True,74.0,False,,250000.0,2986.07,2589.04,2816.32,668.88,False,0,6.17,32.84
LI-2024-INS004-002677,2020-11-23,5,75,80,1945,female,never_smoker,27.0,71,193,CT,USA,married,high_school,professional,69815.17,0.7713,limited_exam,153,102,186,62,3.0,107,5.3,False,,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-218,2.0,term_life,100000,semi_annual,1379.14,30.0,none,,,,False,none,worksite,False,False,False,0.047225,0.147502,SOA_2015_VBT,SOA_Scale_MP2023,2.218,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.047225,0.008,True,0.00375,1.0,False,,,,0.07,0.0758,False,normal_rate,0.89,1.67,False,False,False,False,False,0.87,16.5,11.5,standard_longevity,41.3,baseline,0.922,0.588,False,,False,,100000.0,6414.62,6171.12,6344.04,3558.18,False,0,0.21,2.08
LI-2024-INS004-002678,2024-10-10,2,76,78,1948,female,former_smoker,28.6,63,161,NM,USA,single,high_school,white_collar,242913.96,0.3784,limited_exam,134,86,225,64,3.52,95,4.8,False,65.4,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-205,1.25,term_life,1000000,monthly,7072.15,25.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.05286,0.097047,SOA_2015_VBT,SOA_Scale_MP2023,1.304,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013215,0.008,False,,1.0,False,,,,0.07,0.0978,False,normal_rate,2.99,2.46,False,False,False,False,False,0.781,17.4,15.4,standard_longevity,51.3,baseline,1.216,0.449,False,,False,,1000000.0,42222.31,44729.47,43564.44,16039.64,False,0,1.19,6.34
LI-2024-INS004-002679,2011-02-25,10,22,32,1989,male,never_smoker,29.4,68,193,IN,USA,married,high_school,white_collar,29733.02,0.7101,full_paramedical,113,63,259,49,5.29,94,4.4,False,114.0,,False,True,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-190,1.25,universal_life,500000,quarterly,1757.43,,10yr_declining,1644.76,,,True,none,captive_agent,False,False,False,0.001611,0.002426,SOA_2015_VBT,SOA_Scale_MP2023,1.298,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.02,False,,1.0,False,,,,0.06,0.0306,False,normal_rate,1.79,2.31,False,False,False,False,False,0.771,70.0,55.0,super_preferred_longevity,100.0,baseline,0.967,0.789,False,,False,,498355.24,13158.27,14517.05,14059.44,3339.12,False,0,2.79,10.84
LI-2024-INS004-002680,2005-07-11,8,41,49,1964,female,never_smoker,27.1,69,183,MT,USA,divorced,high_school,heavy_blue_collar,65711.52,0.7755,accelerated_UW,136,84,175,74,2.36,118,6.2,False,81.4,,False,False,True,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,0.87,,False,True,False,True,18,UW-164,1.0,annuity_deferred,500000,semi_annual,1993.58,,none,1622.82,,,False,none,bank,False,False,False,0.003905,0.003913,SOA_2015_VBT,SOA_Scale_MP2023,1.091,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.0216,False,normal_rate,2.5,0.93,False,False,False,False,False,0.887,56.9,48.9,super_preferred_longevity,100.0,baseline,0.918,0.879,False,,False,,498377.18,16828.61,16561.26,15948.64,3787.8,False,0,4.32,26.01
LI-2024-INS004-002681,2024-02-05,3,34,37,1990,male,never_smoker,27.6,69,186,AL,USA,single,less_than_hs,white_collar,135450.85,0.8528,full_paramedical,105,70,201,47,4.28,86,5.4,False,83.5,,False,False,False,False,False,none,,none,none,bipolar,14,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-287,2.0,term_life,500000,monthly,3356.85,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.002134,0.00608,SOA_2015_VBT,SOA_Scale_MP2023,2.149,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.022,False,,1.0,False,,,,0.07,0.0712,False,normal_rate,3.87,2.12,False,False,False,False,False,0.917,61.7,55.0,super_preferred_longevity,100.0,baseline,0.86,0.908,False,,False,,500000.0,25363.56,27581.47,26854.8,6378.02,False,0,3.29,-2.67
LI-2024-INS004-002682,2000-07-17,18,30,48,1970,female,never_smoker,27.1,63,152,MN,USA,married,bachelors,heavy_blue_collar,20000.0,0.78,full_paramedical,109,71,164,57,2.88,73,5.1,False,79.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,0.82,,False,False,False,False,13,UW-190,0.69,term_life,500000,monthly,1448.55,20.0,none,,,,False,none,employer_group,False,False,False,0.00367,0.001891,SOA_2015_VBT,SOA_Scale_MP2023,0.563,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0387,False,normal_rate,4.86,1.14,False,False,False,False,False,0.922,66.1,48.1,super_preferred_longevity,96.4,baseline,0.915,0.861,False,,False,,500000.0,10466.32,10759.3,11588.4,2752.25,False,0,-0.35,30.31
LI-2024-INS004-002683,2010-07-19,6,26,32,1984,male,never_smoker,23.7,71,169,WA,USA,married,bachelors,white_collar,189256.13,0.7348,full_paramedical,115,62,168,42,4.0,100,5.2,False,100.1,,True,False,False,False,False,none,,none,none,depression,3,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,50,UW-342,1.25,term_life,250000,monthly,937.08,15.0,none,,,,False,none,captive_agent,False,False,False,0.001611,0.002609,SOA_2015_VBT,SOA_Scale_MP2023,1.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.02,False,,1.0,False,,,,0.05,0.0556,False,normal_rate,4.16,1.34,False,False,False,False,False,0.929,68.1,55.0,super_preferred_longevity,100.0,baseline,0.949,0.521,False,,False,,250000.0,7790.21,7365.81,7496.64,1780.45,False,0,6.16,15.2
LI-2024-INS004-002684,2016-02-02,11,75,86,1941,male,never_smoker,25.2,76,206,ME,USA,single,bachelors,professional,345429.83,0.6378,full_paramedical,127,87,197,46,4.28,64,5.6,False,,8.55,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-222,1.25,term_life,1000000,monthly,10249.19,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.095682,0.14885,SOA_2015_VBT,SOA_Scale_MP2023,1.278,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023921,0.008,False,,1.0,False,,,,0.03,0.0357,False,normal_rate,3.1,1.23,False,False,False,False,False,0.871,11.3,1.1,sub_standard_longevity,23.7,baseline,1.022,0.567,True,60.2,False,,1000000.0,4240.74,4435.1,4509.64,34970.24,False,0,2.96,11.6
LI-2024-INS004-002685,2002-11-23,9,39,48,1963,male,former_smoker,25.4,63,143,UT,USA,married,graduate,heavy_blue_collar,75244.72,0.3379,non_med_guaranteed,119,72,258,58,4.45,69,5.3,False,79.4,1.41,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,1.01,,False,False,False,False,4,UW-444,0.98,whole_life,500000,annual,1919.13,,none,1747.43,,,False,none,bank,False,False,False,0.005786,0.006888,SOA_2015_VBT,SOA_Scale_MP2023,0.955,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.0286,False,normal_rate,2.63,0.97,False,False,False,False,False,0.992,50.0,41.0,preferred_longevity,79.1,baseline,1.247,0.4,False,,False,,498252.57,16241.93,15790.56,15353.04,3646.35,False,0,1.17,17.02
LI-2024-INS004-002686,2015-09-22,6,63,69,1952,female,never_smoker,22.8,59,112,FL,USA,married,graduate,professional,44433.48,0.4024,full_paramedical,128,73,248,52,4.77,82,5.4,False,,,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-207,2.25,universal_life,100000,monthly,1272.18,,10yr_declining,971.79,,,False,none,independent_broker,False,False,False,0.018159,0.075135,SOA_2015_VBT,SOA_Scale_MP2023,2.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022699,0.012,False,,1.0,False,,,,0.06,0.0372,False,normal_rate,1.89,0.99,False,False,False,False,False,0.756,28.4,22.4,standard_longevity,52.1,baseline,1.198,0.427,False,,False,,99028.21,10067.62,10373.54,10177.44,2417.14,False,0,4.14,-17.51
LI-2024-INS004-002687,2013-09-11,9,26,35,1987,female,never_smoker,38.0,65,228,IA,USA,married,bachelors,white_collar,205658.13,0.3488,full_paramedical,129,69,234,38,6.16,105,5.4,False,104.5,,False,False,False,False,False,none,,none,none,none,2,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-112,1.5,term_life,250000,monthly,955.58,10.0,none,,,,False,none,bank,True,False,False,0.001517,0.004014,SOA_2015_VBT,SOA_Scale_MP2023,1.733,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000758,0.02,False,,1.0,False,,,,0.05,0.071,False,normal_rate,3.82,0.88,False,False,False,False,False,0.939,70.0,55.0,super_preferred_longevity,100.0,baseline,1.238,0.494,False,,False,,250000.0,7420.39,7262.33,7644.64,1815.6,False,0,1.8,-0.73
LI-2024-INS004-002688,2015-04-20,11,71,82,1944,male,never_smoker,25.6,76,210,AZ,USA,married,bachelors,professional,36275.87,0.493,full_paramedical,141,89,261,55,4.75,62,4.6,False,56.2,4.62,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-170,1.25,term_life,1000000,quarterly,7837.43,25.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.069612,0.133061,SOA_2015_VBT,SOA_Scale_MP2023,1.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017403,0.008,False,,1.0,False,,,,0.03,0.0548,False,normal_rate,3.33,0.8,False,False,False,False,False,0.964,15.2,4.1,sub_standard_longevity,26.0,baseline,1.13,0.48,True,25.7,False,,1000000.0,11873.36,13300.98,12853.39,24860.33,False,0,1.42,11.18
LI-2024-INS004-002689,2019-03-17,6,41,47,1978,female,never_smoker,32.6,64,189,AL,USA,single,less_than_hs,light_blue_collar,55112.53,0.8168,full_paramedical,114,59,252,39,6.46,96,5.3,False,83.1,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-286,1.5,term_life,2000000,quarterly,11325.96,15.0,none,,,,True,quota_share,bank,True,False,False,0.003401,0.006951,SOA_2015_VBT,SOA_Scale_MP2023,1.74,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0017,0.018,False,,1.0,False,,,,0.05,0.0523,False,normal_rate,2.06,0.76,True,False,False,False,False,0.952,56.4,50.4,super_preferred_longevity,100.0,baseline,0.887,0.872,False,,False,,2000000.0,83323.06,88283.27,90607.68,21519.32,False,0,5.75,5.34
LI-2024-INS004-002690,2022-07-16,5,62,67,1960,male,never_smoker,34.1,62,186,MO,USA,widowed,bachelors,white_collar,41646.83,0.4979,full_paramedical,140,87,226,34,6.65,98,4.6,False,85.2,3.67,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,31,UW-385,2.0,term_life,5000000,semi_annual,57410.54,15.0,none,,,,True,none,worksite,True,False,False,0.020687,0.075912,SOA_2015_VBT,SOA_Scale_MP2023,2.131,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020687,0.015,True,0.00556,1.0,False,,,,0.07,0.0911,False,normal_rate,3.96,1.12,False,False,False,False,False,0.969,27.2,22.2,standard_longevity,53.3,baseline,1.127,0.405,False,,False,,5000000.0,479939.97,463007.24,459284.32,109080.03,False,0,-1.25,-12.61
LI-2024-INS004-002691,2002-10-13,10,79,89,1923,female,former_smoker,20.7,71,148,CT,USA,married,bachelors,white_collar,91798.52,0.8213,full_paramedical,134,75,198,49,4.04,89,5.7,False,,,False,False,False,False,True,colorectal,1.2,none,none,none,3,False,False,False,False,True,standard,,,False,True,False,False,41,UW-037,1.0,universal_life,2000000,quarterly,14975.86,,10yr_declining,14038.64,,,True,none,captive_agent,False,False,False,0.093518,0.088873,SOA_2015_VBT,SOA_Scale_MP2023,1.075,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0282,False,normal_rate,2.51,2.37,False,False,False,False,False,0.834,9.7,1.0,sub_standard_longevity,26.3,baseline,0.884,0.907,True,36.7,False,,1985961.36,6448.54,6050.5,5990.34,51217.44,False,0,1.64,25.46
LI-2024-INS004-002692,2007-07-25,8,33,41,1974,female,never_smoker,23.5,66,145,VA,USA,single,bachelors,professional,102332.77,0.7777,full_paramedical,124,76,251,55,4.56,71,5.4,False,80.8,,False,False,False,True,False,none,,none,none,schizophrenia,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,55,UW-139,2.5,universal_life,500000,quarterly,3705.46,,15yr_declining,2953.15,,,False,none,independent_broker,False,False,False,0.002209,0.00852,SOA_2015_VBT,SOA_Scale_MP2023,2.571,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003314,0.018,False,,1.0,False,,,,0.06,0.0291,False,normal_rate,3.25,0.91,False,False,False,False,False,0.754,63.7,58.6,super_preferred_longevity,100.0,baseline,0.917,0.946,True,53.7,False,,497046.85,31926.4,27978.65,29643.68,7040.37,False,0,-4.13,-20.0
LI-2024-INS004-002693,2023-12-28,4,66,70,1957,male,never_smoker,26.9,73,203,IL,USA,divorced,high_school,hazardous,44204.41,0.6309,non_med_guaranteed,146,90,241,26,9.27,86,4.9,False,47.6,4.77,False,False,False,True,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_6,2.87,6.0,True,False,False,False,37,UW-462,2.5,term_life,1000000,monthly,15686.19,20.0,none,,,,True,facultative,bank,True,False,False,0.026309,0.112918,SOA_2015_VBT,SOA_Scale_MP2023,2.719,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039464,0.012,False,,1.0,True,2026-02-01,replacement,4.0,0.07,0.0837,False,normal_rate,4.97,2.75,False,False,False,False,False,0.847,23.0,19.0,standard_longevity,50.5,baseline,1.027,0.592,False,,False,,1000000.0,115823.15,112508.02,119215.04,31058.66,False,0,-0.95,-17.03
LI-2024-INS004-002694,2002-12-09,18,28,46,1974,female,never_smoker,29.5,66,183,OH,USA,single,bachelors,white_collar,118863.93,0.2934,limited_exam,129,84,167,52,3.21,118,,False,81.7,,True,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,26,UW-253,1.25,annuity_deferred,2000000,annual,8774.12,,none,11468.49,,,True,quota_share,employer_group,False,False,False,0.003155,0.006175,SOA_2015_VBT,SOA_Scale_MP2023,1.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000789,0.018,False,,1.0,False,,,,0.01,0.0176,False,normal_rate,4.27,1.22,False,False,False,True,False,0.862,66.7,48.7,super_preferred_longevity,90.0,baseline,1.28,0.23,False,,False,,1988531.51,74789.68,59968.55,70192.96,16670.83,False,0,6.92,17.48
LI-2024-INS004-002695,2021-06-07,1,74,75,1947,female,never_smoker,22.4,66,138,MI,USA,widowed,bachelors,light_blue_collar,70322.24,0.9517,full_paramedical,141,87,201,39,5.15,76,5.4,False,72.0,,False,False,False,False,False,none,,none,none,depression,14,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-399,1.25,term_life,2000000,monthly,13608.71,15.0,none,,,,True,quota_share,employer_group,False,False,False,0.031051,0.046544,SOA_2015_VBT,SOA_Scale_MP2023,1.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007763,0.008,True,0.0035,1.0,False,,,,0.1,0.1126,False,normal_rate,4.12,2.89,False,False,False,False,False,0.971,18.5,17.5,standard_longevity,53.0,baseline,0.786,0.861,False,,False,,2000000.0,98467.35,99919.07,95260.97,28578.29,False,0,4.94,19.72
LI-2024-INS004-002696,2002-04-15,7,60,67,1942,non_binary,never_smoker,25.9,71,185,OK,USA,married,some_college,white_collar,38133.01,0.6566,simplified_issue,135,94,198,45,4.4,91,,False,,,False,False,False,True,False,none,,none,none,substance_use_disorder,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-046,2.5,annuity_deferred,500000,monthly,7168.49,,none,5697.06,,,False,none,worksite,False,False,False,0.016693,0.068263,SOA_2015_VBT,SOA_Scale_MP2023,2.57,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025039,0.008,False,,1.0,False,,,,0.02,0.0235,False,normal_rate,4.09,2.56,False,False,False,False,False,0.853,26.6,21.1,standard_longevity,54.0,baseline,1.008,0.758,True,56.7,False,,494302.94,53571.84,49105.71,57347.92,13620.13,False,0,0.05,-20.0
LI-2024-INS004-002697,2000-08-02,23,40,63,1960,female,never_smoker,28.6,63,161,NE,USA,married,bachelors,light_blue_collar,20000.0,0.1355,limited_exam,132,79,209,61,3.43,99,,False,87.8,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,24,UW-375,0.58,universal_life,1000000,monthly,3316.96,,15yr_declining,5142.58,,,True,facultative,captive_agent,False,False,False,0.011706,0.009347,SOA_2015_VBT,SOA_Scale_MP2023,0.571,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0637,False,normal_rate,6.7,1.66,False,False,False,False,False,0.763,51.7,28.7,standard_longevity,57.6,baseline,1.398,0.208,False,,False,,994857.42,26405.55,23158.79,26535.68,6302.22,False,0,0.4,26.06
LI-2024-INS004-002698,2004-09-03,7,50,57,1954,non_binary,never_smoker,20.0,63,113,VT,USA,married,bachelors,professional,56163.6,0.65,full_paramedical,126,71,226,63,3.59,80,,False,93.3,,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,24,UW-318,0.57,indexed_ul,2000000,quarterly,4821.71,,15yr_declining,4051.33,,,True,excess_of_loss,independent_broker,False,False,False,0.007469,0.004484,SOA_2015_VBT,SOA_Scale_MP2023,0.593,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0319,False,normal_rate,1.0,1.78,False,False,False,False,False,0.829,41.7,35.9,super_preferred_longevity,86.1,baseline,1.012,0.498,True,44.8,False,,1995948.67,42429.08,36183.84,38573.68,9161.25,False,0,6.18,24.82
LI-2024-INS004-002699,2013-02-18,13,23,36,1990,female,former_smoker,24.7,64,143,WA,USA,married,some_college,heavy_blue_collar,161950.65,0.8525,accelerated_UW,114,77,158,48,3.29,73,4.7,False,,,False,False,False,False,False,none,,none,none,depression,9,False,False,False,False,False,substandard_table_1,1.42,1.0,False,False,False,True,8,UW-199,1.25,group_life,250000,quarterly,931.21,,none,,,,False,none,direct_to_consumer,False,False,False,0.00209,0.003097,SOA_2015_VBT,SOA_Scale_MP2023,1.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000523,0.022,False,,1.0,False,,,,0.1,0.1425,False,normal_rate,2.47,0.6,False,False,False,False,False,0.96,70.0,55.0,super_preferred_longevity,100.0,baseline,0.861,0.734,False,,False,,250000.0,7858.12,6701.59,7449.68,1769.3,False,0,3.89,10.9
LI-2024-INS004-002700,2009-10-01,17,26,43,1983,male,former_smoker,26.9,73,203,TX,USA,single,bachelors,heavy_blue_collar,33876.73,0.7629,full_paramedical,122,61,168,28,6.0,97,5.2,False,96.1,2.47,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,1.47,1.0,False,False,False,False,16,UW-414,1.25,term_life,100000,semi_annual,481.95,25.0,none,,,,False,none,bank,False,False,False,0.004122,0.006581,SOA_2015_VBT,SOA_Scale_MP2023,1.451,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001031,0.02,False,,1.0,False,,,,0.03,0.0327,False,normal_rate,2.08,1.22,False,False,False,False,False,0.86,68.1,51.1,super_preferred_longevity,100.0,baseline,0.928,0.786,False,,False,,100000.0,4048.77,3936.13,3855.6,915.71,False,0,3.92,12.59
LI-2024-INS004-002701,2008-02-27,14,60,74,1948,female,never_smoker,24.4,60,124,OK,USA,married,bachelors,light_blue_collar,20000.0,0.6275,full_paramedical,136,82,204,61,3.34,102,4.9,False,71.2,,False,False,False,False,False,none,,none,none,none,16,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-334,1.25,universal_life,500000,monthly,4055.2,,15yr_declining,4264.76,,,False,none,independent_broker,False,False,False,0.028683,0.050751,SOA_2015_VBT,SOA_Scale_MP2023,1.476,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007171,0.008,False,,1.0,False,,,,0.04,0.0216,False,normal_rate,2.06,1.91,False,False,False,False,False,0.972,31.4,18.8,standard_longevity,50.1,baseline,1.029,0.693,True,58.8,False,,495735.24,27541.6,28304.71,30495.1,8094.18,False,0,6.07,15.22
LI-2024-INS004-002702,2005-10-23,4,73,77,1932,male,never_smoker,33.2,67,212,WY,USA,married,bachelors,white_collar,60732.43,0.6288,full_paramedical,144,76,262,49,5.35,99,5.0,False,79.4,17.86,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,16,UW-396,2.25,whole_life,100000,quarterly,1580.22,,none,1051.27,,,False,none,direct_to_consumer,False,False,False,0.045262,0.16196,SOA_2015_VBT,SOA_Scale_MP2023,2.264,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.056577,0.005,False,,1.0,False,,,,0.04,0.067,False,normal_rate,1.6,1.24,False,False,False,False,False,0.969,11.7,7.7,sub_standard_longevity,33.5,baseline,1.028,0.652,False,,False,,98948.73,5285.1,4398.86,4867.08,4557.35,False,0,2.4,-9.11
LI-2024-INS004-002703,2015-01-01,11,60,71,1955,female,never_smoker,27.2,69,183,WA,USA,widowed,less_than_hs,light_blue_collar,44618.61,0.5885,accelerated_UW,139,83,182,54,3.37,91,5.8,False,85.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,True,False,False,False,standard,,,False,True,False,True,13,UW-158,1.0,whole_life,100000,semi_annual,674.39,,none,607.45,,,False,none,independent_broker,False,True,False,0.02242,0.026061,SOA_2015_VBT,SOA_Scale_MP2023,1.098,cancer,True,2022-03-16,False,False,1450379.14,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.015,0.0184,False,normal_rate,3.91,1.02,False,False,False,False,False,0.997,32.6,27.6,preferred_longevity,62.7,baseline,1.059,0.524,True,100.0,True,0.402,99392.55,4993.72,4880.95,5395.12,1281.34,False,0,0.09,12.15
LI-2024-INS004-002704,2016-06-23,10,54,64,1962,male,current_smoker,27.6,70,192,MD,USA,single,graduate,professional,92577.06,0.155,accelerated_UW,138,81,254,44,5.77,116,6.1,True,69.1,15.48,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,True,8,UW-227,1.75,universal_life,1000000,semi_annual,9625.66,,10yr_declining,8935.7,2644.97,0.296,True,excess_of_loss,captive_agent,True,False,False,0.03288,0.109468,SOA_2015_VBT,SOA_Scale_MP2023,1.864,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02466,0.015,False,,1.0,False,,,,0.06,0.0255,False,normal_rate,3.52,2.76,False,False,False,False,False,0.869,34.1,26.0,standard_longevity,53.8,baseline,1.384,0.132,True,58.2,False,,991064.3,84014.48,66240.47,77005.28,18288.75,False,0,0.01,3.79
LI-2024-INS004-002705,2016-09-19,7,75,82,1941,male,never_smoker,31.0,66,192,OK,USA,married,less_than_hs,white_collar,309416.92,0.8562,full_paramedical,135,78,278,43,6.47,83,,False,84.0,2.79,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,48,UW-332,2.0,term_life,500000,monthly,7658.5,15.0,none,,,,False,none,captive_agent,False,False,False,0.067954,0.19323,SOA_2015_VBT,SOA_Scale_MP2023,2.149,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.067954,0.008,False,,1.0,False,,,,0.05,0.0508,False,normal_rate,3.58,1.84,False,False,False,False,False,0.979,12.2,5.2,sub_standard_longevity,33.1,baseline,0.858,0.908,False,,False,,500000.0,16538.81,15616.29,15929.68,23618.81,False,0,0.72,-6.11
LI-2024-INS004-002706,2023-01-25,2,63,65,1960,female,former_smoker,30.7,71,220,ND,USA,married,bachelors,light_blue_collar,31047.58,0.5638,full_paramedical,130,80,245,36,6.81,125,4.9,False,75.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,6,UW-251,1.5,whole_life,250000,monthly,2183.83,,none,1427.13,,,False,none,captive_agent,True,False,False,0.018087,0.040663,SOA_2015_VBT,SOA_Scale_MP2023,1.623,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009043,0.015,False,,1.0,False,,,,0.04,0.05,False,normal_rate,2.37,2.05,False,False,False,False,False,0.999,30.5,30.3,preferred_longevity,66.4,baseline,1.077,0.633,False,,True,1.189,248572.87,16141.05,15525.43,17470.64,4149.28,False,0,4.37,9.18
LI-2024-INS004-002707,2014-07-13,5,46,51,1968,male,never_smoker,30.7,62,167,DE,USA,single,graduate,heavy_blue_collar,103180.63,0.7063,full_paramedical,145,103,208,38,5.47,115,4.7,False,,2.52,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_4,0.74,4.0,False,False,False,False,4,UW-276,2.0,universal_life,100000,monthly,945.92,,10yr_declining,685.81,,,False,none,independent_broker,False,False,False,0.005801,0.018313,SOA_2015_VBT,SOA_Scale_MP2023,2.223,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005801,0.015,False,,1.0,False,,,,0.08,0.1947,False,normal_rate,3.36,2.77,False,False,False,True,False,0.946,45.2,40.2,super_preferred_longevity,83.4,baseline,0.97,0.653,False,,False,,99314.19,7812.57,7514.71,7567.36,1797.25,False,0,-1.43,-9.42
LI-2024-INS004-002708,2005-10-16,13,58,71,1947,male,never_smoker,24.9,70,173,NH,USA,married,high_school,professional,62743.56,0.9624,accelerated_UW,128,77,195,49,3.98,85,5.1,False,93.5,3.0,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,True,21,UW-113,0.63,universal_life,500000,annual,1640.17,,10yr_declining,1740.99,,,False,none,bank,False,False,False,0.027365,0.012905,SOA_2015_VBT,SOA_Scale_MP2023,0.606,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0372,False,normal_rate,3.51,1.76,False,False,False,False,False,0.944,30.5,17.5,standard_longevity,53.2,baseline,0.778,0.956,False,,False,,498259.01,12077.74,11217.55,11481.19,3444.36,False,0,7.39,27.38
LI-2024-INS004-002709,2023-09-18,1,31,32,1992,male,former_smoker,27.0,66,167,OH,USA,single,some_college,hazardous,20000.0,0.7848,full_paramedical,130,77,195,53,3.68,106,,False,81.5,,True,False,False,False,False,none,,none,none,none,4,False,False,False,True,True,standard_plus,3.37,,True,False,False,False,40,UW-180,0.97,term_life,1000000,annual,2606.16,30.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.002095,0.001785,SOA_2015_VBT,SOA_Scale_MP2023,0.935,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.1,0.1072,False,normal_rate,4.48,1.09,True,False,False,False,False,0.822,64.7,55.0,super_preferred_longevity,100.0,baseline,0.911,0.787,False,,False,,1000000.0,22765.23,21409.51,20849.28,4951.7,False,0,1.22,20.73
LI-2024-INS004-002710,2022-04-05,1,72,73,1950,female,never_smoker,27.9,69,189,CA,USA,single,less_than_hs,heavy_blue_collar,34935.61,0.2617,full_paramedical,140,80,257,63,4.08,120,5.0,False,72.2,,False,False,True,True,False,none,,none,none,depression,2,False,False,False,False,True,substandard_table_6,0.67,6.0,False,False,False,False,47,UW-216,2.5,term_life,250000,annual,4138.39,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.025138,0.127862,SOA_2015_VBT,SOA_Scale_MP2023,2.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037707,0.012,True,0.00183,1.0,True,2026-05-06,non_payment,1.0,0.1,0.2504,False,normal_rate,4.21,2.96,False,False,False,False,False,0.81,21.5,20.5,standard_longevity,57.2,baseline,1.304,0.394,False,,False,,250000.0,33308.04,31139.45,33107.12,7862.94,False,0,-0.94,-20.0
LI-2024-INS004-002711,2016-09-06,11,56,67,1960,female,former_smoker,25.8,61,136,SD,USA,married,bachelors,hazardous,33365.31,0.5588,full_paramedical,148,97,269,72,3.74,96,,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,2.81,2.0,True,False,False,False,30,UW-126,1.5,term_life,500000,monthly,4338.4,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.021514,0.05143,SOA_2015_VBT,SOA_Scale_MP2023,1.749,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010757,0.015,False,,1.0,False,,,,0.03,0.0376,False,normal_rate,4.19,1.66,False,False,False,False,False,0.962,37.4,25.9,standard_longevity,59.7,baseline,1.081,0.807,False,,True,-0.336,500000.0,32577.66,30523.38,34707.2,8242.96,False,0,1.25,4.06
LI-2024-INS004-002712,2020-04-03,2,80,82,1940,male,current_smoker,29.9,63,169,LA,USA,single,bachelors,professional,72259.19,0.2867,full_paramedical,129,78,266,43,6.19,81,,True,,8.38,True,False,False,False,False,none,,none,mild_gold_1,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-026,2.0,term_life,500000,quarterly,7732.44,25.0,none,,,,False,none,captive_agent,False,False,False,0.134822,0.488004,SOA_2015_VBT,SOA_Scale_MP2023,2.011,cardiovascular,True,2020-08-11,True,True,170684.92,0.0007,5e-05,1.095,0.134822,0.008,True,0.00479,1.0,False,,,,0.07,0.1441,False,normal_rate,4.33,2.43,False,False,False,False,False,0.765,5.0,3.0,sub_standard_longevity,21.3,baseline,1.285,0.38,False,,False,,500000.0,9576.5,9619.04,9278.93,25207.75,False,0,0.87,-3.65
LI-2024-INS004-002713,2007-09-28,6,64,70,1943,male,never_smoker,30.4,75,243,FL,USA,married,high_school,heavy_blue_collar,117226.52,0.5158,non_med_guaranteed,133,83,216,50,4.32,76,5.1,False,47.9,2.39,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,1.44,,False,True,False,False,4,UW-302,1.0,term_life,500000,monthly,3001.8,15.0,none,,,,False,none,captive_agent,False,False,False,0.024283,0.029545,SOA_2015_VBT,SOA_Scale_MP2023,1.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0644,False,normal_rate,3.39,2.7,False,False,False,False,False,0.795,22.2,16.2,standard_longevity,44.5,baseline,1.113,0.635,False,,False,,500000.0,19725.5,19827.73,19451.66,6615.97,False,0,4.59,19.82
LI-2024-INS004-002714,2020-05-25,4,21,25,1999,male,current_smoker,27.1,72,199,KS,USA,married,graduate,heavy_blue_collar,46028.72,0.3234,full_paramedical,112,69,216,38,5.68,117,4.6,True,107.8,,False,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,substandard_table_3,1.4,3.0,False,False,False,False,40,UW-034,1.75,whole_life,500000,semi_annual,1655.93,,none,1184.85,,,False,none,worksite,False,False,False,0.002365,0.013514,SOA_2015_VBT,SOA_Scale_MP2023,1.799,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001774,0.022,True,0.00639,1.0,False,,,,0.04,0.0577,False,normal_rate,3.06,1.26,False,False,False,False,False,0.862,70.0,55.0,super_preferred_longevity,99.9,baseline,1.257,0.346,False,,False,,498815.15,12201.89,11638.52,13247.44,3146.27,False,0,-1.44,-6.59
LI-2024-INS004-002715,2012-10-20,9,27,36,1985,male,never_smoker,28.3,74,220,TX,USA,single,high_school,professional,47332.86,0.5074,non_med_guaranteed,124,72,213,58,3.67,106,,False,,,False,False,False,False,True,prostate,6.9,none,none,schizophrenia,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,20,UW-397,2.25,term_life,250000,monthly,1687.5,20.0,none,,,,False,none,independent_broker,False,False,False,0.00201,0.007844,SOA_2015_VBT,SOA_Scale_MP2023,2.37,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002512,0.02,False,,1.0,False,,,,0.05,0.0647,False,normal_rate,5.16,1.2,False,False,False,False,False,0.763,66.4,55.0,super_preferred_longevity,100.0,baseline,1.119,0.447,False,,False,,250000.0,14147.53,13648.26,13500.0,3206.25,False,0,3.31,-17.88
LI-2024-INS004-002716,2023-03-20,2,73,75,1950,female,never_smoker,29.8,65,178,IN,USA,single,bachelors,light_blue_collar,76212.74,0.9622,full_paramedical,163,100,209,50,4.18,105,5.7,False,90.1,,False,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,44,UW-494,2.0,group_life,1000000,quarterly,12129.53,,none,,,,True,quota_share,independent_broker,False,False,False,0.029938,0.080667,SOA_2015_VBT,SOA_Scale_MP2023,2.177,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029938,0.012,False,,1.0,False,,,,0.15,0.1395,False,normal_rate,1.2,2.47,False,False,False,False,False,0.851,20.3,20.7,standard_longevity,58.0,baseline,0.778,1.0,True,71.4,False,,1000000.0,94735.35,88550.98,97036.24,23046.11,False,0,-0.21,0.81
LI-2024-INS004-002717,2019-03-17,6,80,86,1939,female,never_smoker,26.3,59,130,NY,USA,married,bachelors,hazardous,87076.8,0.5147,full_paramedical,109,74,249,72,3.46,87,4.5,False,64.8,,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_1,2.61,1.0,True,False,False,False,28,UW-364,1.25,universal_life,1000000,monthly,8711.32,,10yr_declining,6814.48,,,True,quota_share,bank,False,False,False,0.081478,0.146079,SOA_2015_VBT,SOA_Scale_MP2023,1.385,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02037,0.005,False,,1.0,False,,,,0.06,0.0348,False,normal_rate,4.05,2.56,False,False,False,False,False,0.988,9.3,3.3,sub_standard_longevity,25.2,baseline,1.114,0.495,True,37.8,False,,993185.52,10807.75,10076.57,11498.94,28189.83,False,0,1.21,11.26
LI-2024-INS004-002718,2020-07-16,6,58,64,1962,female,former_smoker,28.6,63,161,ND,USA,single,some_college,light_blue_collar,35453.33,0.8175,full_paramedical,140,81,244,34,7.18,94,5.6,False,,,False,False,False,True,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,41,UW-080,2.5,universal_life,250000,monthly,3324.97,,10yr_declining,2717.5,,,False,none,employer_group,False,False,False,0.017098,0.067656,SOA_2015_VBT,SOA_Scale_MP2023,2.603,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025646,0.015,True,0.00254,1.0,False,,,,0.06,0.0339,False,normal_rate,2.42,1.17,False,False,False,False,False,0.844,36.8,30.8,preferred_longevity,71.0,baseline,0.887,0.933,False,,False,,247282.5,26921.8,26902.1,26599.76,6317.44,False,0,-2.25,-13.09
LI-2024-INS004-002719,2001-09-11,5,78,83,1923,female,never_smoker,26.8,66,165,MT,USA,married,high_school,hazardous,57465.02,0.8342,non_med_guaranteed,142,76,208,60,3.47,104,4.3,False,70.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,standard,2.66,,True,True,False,False,37,UW-419,1.0,whole_life,100000,quarterly,665.83,,none,488.05,,,False,none,independent_broker,False,False,False,0.043271,0.039423,SOA_2015_VBT,SOA_Scale_MP2023,1.042,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0413,False,normal_rate,4.64,1.39,False,False,False,False,False,0.853,10.7,6.1,sub_standard_longevity,34.2,baseline,0.874,0.993,True,54.6,False,,99511.95,1681.34,1431.53,1624.63,2005.48,False,0,4.25,17.45
LI-2024-INS004-002720,2015-11-08,10,34,44,1981,female,never_smoker,34.5,67,220,IL,USA,single,less_than_hs,white_collar,86610.89,0.656,full_paramedical,121,81,247,52,4.75,106,5.3,False,69.2,,False,True,True,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,45,UW-210,2.0,term_life,500000,quarterly,3593.47,25.0,none,,,,False,none,captive_agent,False,False,False,0.002724,0.008327,SOA_2015_VBT,SOA_Scale_MP2023,2.04,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002724,0.02,False,,1.0,False,,,,0.05,0.0588,False,normal_rate,4.34,3.0,False,False,False,False,False,0.983,66.4,55.4,super_preferred_longevity,100.0,baseline,1.008,0.657,True,35.7,False,,500000.0,27465.04,25833.05,28747.76,6827.59,False,0,3.21,-6.23
LI-2024-INS004-002721,2017-09-04,6,77,83,1940,male,never_smoker,29.6,65,178,NC,USA,married,some_college,white_collar,103936.34,0.512,limited_exam,120,78,202,35,5.77,107,4.8,False,87.0,8.28,True,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,51,UW-437,2.5,term_life,5000000,quarterly,86108.24,10.0,none,,,,True,facultative,independent_broker,False,False,False,0.073469,0.322397,SOA_2015_VBT,SOA_Scale_MP2023,2.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.110203,0.008,False,,1.0,False,,,,0.05,0.0645,False,normal_rate,1.79,2.53,False,False,False,False,False,0.915,8.7,2.8,sub_standard_longevity,24.4,baseline,1.116,0.306,True,44.0,False,,5000000.0,92394.64,82272.14,96441.23,282090.59,False,0,-3.28,-10.29
LI-2024-INS004-002722,2019-08-19,2,23,25,1996,female,former_smoker,25.2,67,160,KS,USA,single,high_school,heavy_blue_collar,53372.0,0.5082,simplified_issue,128,75,170,44,3.86,81,,False,86.3,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,standard_plus,0.96,,False,False,False,False,8,UW-325,0.97,term_life,500000,annual,1130.37,25.0,none,,,,False,none,captive_agent,False,False,False,0.00123,0.001295,SOA_2015_VBT,SOA_Scale_MP2023,0.941,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0905,False,normal_rate,2.42,2.84,False,False,False,False,False,0.957,70.0,54.9,super_preferred_longevity,100.0,baseline,1.119,0.375,True,32.7,False,,500000.0,9585.44,8189.92,9042.96,2147.7,False,0,5.04,28.02
LI-2024-INS004-002723,2020-04-28,1,35,36,1985,female,never_smoker,23.3,65,139,ID,USA,married,some_college,professional,157926.9,0.4436,limited_exam,106,66,142,50,2.84,112,,False,104.3,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,preferred,,,False,False,False,False,7,UW-097,0.82,term_life,500000,quarterly,1341.42,20.0,none,,,,False,none,captive_agent,False,False,False,0.001608,0.003908,SOA_2015_VBT,SOA_Scale_MP2023,0.799,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00241,1.0,False,,,,0.1,0.1345,False,normal_rate,2.37,2.86,False,False,False,False,False,0.777,62.1,55.0,super_preferred_longevity,100.0,baseline,1.167,0.528,False,,False,,500000.0,11041.76,9742.36,10731.36,2548.7,False,0,6.57,12.79
LI-2024-INS004-002724,2000-01-09,12,41,53,1959,male,never_smoker,23.4,61,123,TN,USA,married,bachelors,white_collar,98615.13,0.3992,simplified_issue,126,66,220,53,4.15,99,,False,,5.36,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,27,UW-380,1.0,term_life,500000,annual,2425.49,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.006337,0.007814,SOA_2015_VBT,SOA_Scale_MP2023,1.027,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0497,False,normal_rate,5.9,2.58,False,False,False,False,False,0.942,47.4,35.4,preferred_longevity,71.6,baseline,1.201,0.613,False,,False,,500000.0,18903.31,17764.19,19403.92,4608.43,False,0,5.85,13.31
LI-2024-INS004-002725,2018-08-25,3,55,58,1963,female,current_smoker,29.8,64,173,CT,USA,married,high_school,white_collar,131936.2,0.548,accelerated_UW,136,77,201,48,4.19,83,,True,74.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,True,15,UW-245,1.0,term_life,250000,monthly,1152.87,20.0,none,,,,False,none,independent_broker,False,False,False,0.016,0.018208,SOA_2015_VBT,SOA_Scale_MP2023,1.045,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.0883,False,normal_rate,4.28,2.19,False,False,False,False,False,0.871,38.8,37.1,preferred_longevity,76.4,baseline,1.089,0.654,True,45.0,False,,250000.0,8370.89,9609.08,9222.96,2190.45,False,0,4.91,21.89
LI-2024-INS004-002726,2022-07-17,3,31,34,1991,female,never_smoker,23.7,65,142,TX,USA,single,bachelors,professional,119594.25,0.7663,full_paramedical,97,59,167,65,2.57,94,5.6,False,100.2,,False,True,False,False,False,none,,none,none,schizophrenia,2,True,False,False,False,False,substandard_table_5,4.41,5.0,True,False,False,False,26,UW-168,2.25,whole_life,1000000,annual,5883.85,,none,3818.3,,,True,none,employer_group,False,False,False,0.001434,0.010687,SOA_2015_VBT,SOA_Scale_MP2023,2.285,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001792,0.022,True,0.00586,1.0,False,,,,0.04,0.0522,False,normal_rate,2.17,2.15,False,False,False,False,False,0.842,68.5,59.3,super_preferred_longevity,100.0,baseline,0.925,0.858,True,57.3,False,,996181.7,46909.09,41307.78,47070.8,11179.32,False,0,3.13,-17.65
LI-2024-INS004-002727,2023-11-13,3,34,37,1989,female,former_smoker,37.4,70,260,NC,USA,single,less_than_hs,heavy_blue_collar,167227.34,0.4312,full_paramedical,123,74,214,41,5.22,104,5.3,False,109.6,,False,False,False,False,False,none,,none,none,none,0,True,False,False,False,False,substandard_table_2,4.61,2.0,True,False,False,False,30,UW-050,1.5,term_life,500000,quarterly,2474.19,10.0,none,,,,False,none,worksite,False,False,False,0.00222,0.005032,SOA_2015_VBT,SOA_Scale_MP2023,1.502,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00111,0.02,False,,1.0,False,,,,0.07,0.0949,False,normal_rate,3.76,1.72,False,False,False,False,False,0.861,63.7,55.0,super_preferred_longevity,100.0,baseline,1.177,0.397,False,,False,,500000.0,21350.07,19361.59,19793.52,4700.96,False,0,4.68,1.15
LI-2024-INS004-002728,2016-09-14,10,25,35,1991,male,never_smoker,28.1,65,168,WI,USA,married,some_college,professional,298422.43,0.6331,full_paramedical,126,81,219,56,3.91,79,4.9,False,100.4,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,45,UW-433,2.0,universal_life,1000000,annual,5392.93,,15yr_declining,4720.03,,,True,coinsurance,direct_to_consumer,False,False,False,0.001896,0.006165,SOA_2015_VBT,SOA_Scale_MP2023,2.196,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.022,False,,1.0,False,,,,0.06,0.0451,False,normal_rate,5.42,0.81,False,True,False,False,False,0.871,69.9,55.0,super_preferred_longevity,100.0,baseline,1.025,0.666,False,,False,,995279.97,41341.21,36683.33,43143.44,10246.57,False,0,1.66,-2.95
LI-2024-INS004-002729,2003-06-21,12,25,37,1978,male,never_smoker,23.7,61,125,WY,USA,married,high_school,light_blue_collar,79535.31,0.4402,accelerated_UW,85,50,195,44,4.43,98,5.0,False,,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,22,UW-397,1.25,universal_life,5000000,annual,20621.78,,10yr_declining,19869.42,16074.36,0.809,True,excess_of_loss,employer_group,True,False,False,0.002134,0.004109,SOA_2015_VBT,SOA_Scale_MP2023,1.432,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.018,False,,1.0,False,,,,0.04,0.0388,False,normal_rate,2.84,1.75,False,False,False,False,False,0.894,66.9,54.9,super_preferred_longevity,100.0,baseline,1.17,0.478,False,,False,,4980130.58,156708.26,151876.75,164974.24,39181.38,False,0,2.99,16.11
LI-2024-INS004-002730,2003-11-12,24,77,101,1926,male,never_smoker,29.8,66,184,AL,USA,married,some_college,white_collar,20000.0,0.5351,full_paramedical,169,102,213,49,4.35,90,,False,47.1,6.2,False,True,True,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-355,2.0,term_life,1000000,annual,19316.8,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.237718,0.778087,SOA_2015_VBT,SOA_Scale_MP2023,2.069,cancer,True,2004-02-08,True,False,65795.12,0.0007,5e-05,1.095,0.237718,0.012,False,,1.0,True,2026-01-02,non_payment,24.0,0.03,0.0382,False,normal_rate,5.61,2.85,False,False,False,False,False,0.993,10.0,1.2,sub_standard_longevity,32.3,baseline,1.099,0.228,True,87.4,False,,1000000.0,9954.12,7963.46,9272.06,65754.39,False,0,1.23,-15.41
LI-2024-INS004-002731,2020-05-16,6,48,54,1972,female,never_smoker,35.2,66,218,AK,USA,single,some_college,light_blue_collar,75494.61,0.6568,accelerated_UW,156,86,197,48,4.1,99,5.0,False,85.4,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,10,UW-350,1.5,universal_life,250000,monthly,1874.1,,10yr_declining,1371.27,,,False,none,independent_broker,False,False,False,0.005914,0.01502,SOA_2015_VBT,SOA_Scale_MP2023,1.722,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.018,True,0.0018,1.0,False,,,,0.06,0.0317,False,normal_rate,6.34,2.61,False,False,False,False,False,0.772,47.9,42.4,super_preferred_longevity,86.0,baseline,1.007,0.767,False,,True,0.35,248628.73,13636.54,13192.01,14992.8,3560.79,False,0,1.55,10.71
LI-2024-INS004-002732,2004-10-02,16,38,54,1966,female,never_smoker,28.3,59,140,SD,USA,married,less_than_hs,white_collar,32365.59,0.7373,full_paramedical,135,98,189,51,3.71,89,,False,93.8,,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-345,2.0,term_life,1000000,semi_annual,9891.07,10.0,none,,,,True,quota_share,captive_agent,True,False,False,0.005914,0.018318,SOA_2015_VBT,SOA_Scale_MP2023,2.215,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005914,0.015,False,,1.0,False,,,,0.03,0.0333,False,normal_rate,5.33,1.93,False,False,False,False,False,0.952,57.0,41.0,super_preferred_longevity,85.1,baseline,0.947,0.659,False,,False,,1000000.0,72016.08,79267.26,79128.56,18793.03,False,0,1.29,-5.86
LI-2024-INS004-002733,2016-09-26,1,21,22,1995,male,never_smoker,35.4,66,219,ID,USA,married,bachelors,light_blue_collar,32434.13,0.5624,non_med_guaranteed,113,71,209,43,4.86,115,4.9,False,97.0,,True,False,True,False,False,none,,none,none,none,9,True,False,False,False,False,substandard_table_1,3.92,1.0,True,False,False,False,21,UW-012,1.25,whole_life,500000,monthly,997.02,,none,634.74,,,False,none,direct_to_consumer,False,False,False,0.001068,0.001737,SOA_2015_VBT,SOA_Scale_MP2023,1.277,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000267,0.022,False,,1.0,False,,,,0.06,0.105,False,normal_rate,3.36,2.32,False,False,False,False,False,0.876,70.0,55.0,super_preferred_longevity,100.0,baseline,1.078,0.584,False,,False,,499365.26,7558.1,8339.91,7976.16,1894.34,False,0,7.64,15.58
LI-2024-INS004-002734,2004-02-03,16,75,91,1929,male,never_smoker,18.3,61,96,AR,USA,widowed,bachelors,professional,193256.74,0.5144,limited_exam,152,89,223,75,2.97,91,,False,,9.74,False,False,False,True,False,none,,none,none,substance_use_disorder,8,False,False,False,False,True,standard,,,False,True,False,False,42,UW-306,1.0,universal_life,1000000,monthly,7832.94,,10yr_declining,9254.9,,,True,none,direct_to_consumer,False,False,False,0.114047,0.134696,SOA_2015_VBT,SOA_Scale_MP2023,1.06,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0722,False,normal_rate,6.96,1.55,False,True,False,False,False,0.822,9.4,1.0,sub_standard_longevity,21.7,baseline,1.114,0.566,False,,False,,990745.1,2856.39,2814.64,3133.18,26788.65,False,0,4.0,21.45
LI-2024-INS004-002735,2019-01-08,6,46,52,1973,female,never_smoker,30.5,60,156,WV,USA,married,bachelors,white_collar,92506.43,0.5106,full_paramedical,119,90,217,49,4.43,93,5.0,False,91.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-431,1.25,indexed_ul,1000000,quarterly,5104.72,,10yr_declining,4172.44,,,True,excess_of_loss,bank,False,False,False,0.005027,0.009624,SOA_2015_VBT,SOA_Scale_MP2023,1.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001257,0.018,False,,1.0,False,,,,0.06,0.0349,False,normal_rate,4.26,2.43,False,False,False,False,False,0.954,49.4,43.4,super_preferred_longevity,85.3,baseline,1.117,0.503,False,,False,,995827.56,40239.6,39160.07,40837.76,9698.97,False,0,3.66,16.75
LI-2024-INS004-002736,2005-05-17,17,32,49,1973,female,current_smoker,27.9,63,157,OR,USA,married,less_than_hs,white_collar,24286.6,0.5707,full_paramedical,125,86,195,59,3.31,80,,True,,,False,True,False,False,False,none,,none,severe_gold_3,none,17,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,19,UW-483,3.25,universal_life,500000,quarterly,7035.9,,10yr_declining,8262.88,,,False,none,independent_broker,False,False,False,0.00793,0.047865,SOA_2015_VBT,SOA_Scale_MP2023,3.532,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017842,0.018,False,,1.0,False,,,,0.04,0.0497,False,normal_rate,2.6,2.92,False,False,False,False,False,0.969,63.7,46.7,super_preferred_longevity,91.1,baseline,1.072,0.709,False,,False,,491737.12,51486.01,53458.6,56287.2,13368.21,False,0,-1.89,-20.0
LI-2024-INS004-002737,2007-06-10,9,38,47,1969,male,unknown,32.9,72,242,IL,USA,single,bachelors,light_blue_collar,160534.7,0.3041,simplified_issue,121,80,179,50,3.58,100,5.4,False,96.1,3.21,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,standard,,,False,False,False,False,27,UW-214,1.01,whole_life,100000,monthly,371.86,,none,336.37,,,False,none,captive_agent,False,True,False,0.004888,0.006515,SOA_2015_VBT,SOA_Scale_MP2023,1.04,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,4.9e-05,0.015,False,,1.0,False,,,,0.02,0.0291,False,normal_rate,4.22,0.82,False,False,False,True,False,0.978,51.8,45.3,super_preferred_longevity,85.0,baseline,1.272,0.317,True,51.9,False,,99663.63,2680.59,3010.33,2974.88,706.53,False,0,4.47,19.22
LI-2024-INS004-002738,2012-03-08,15,35,50,1977,male,never_smoker,24.5,69,166,MS,USA,single,graduate,white_collar,37173.92,0.3273,accelerated_UW,117,77,195,44,4.43,100,,False,89.9,3.23,False,False,True,False,False,none,,none,none,none,12,True,False,False,False,False,preferred_plus,4.2,,True,False,False,True,10,UW-282,0.62,term_life,1000000,semi_annual,2474.08,15.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.005359,0.004444,SOA_2015_VBT,SOA_Scale_MP2023,0.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0431,False,normal_rate,5.14,1.4,False,False,False,False,False,0.792,59.3,44.3,super_preferred_longevity,93.9,baseline,1.255,0.415,False,,False,,1000000.0,19713.83,20182.93,19792.64,4700.75,False,0,2.91,31.81
LI-2024-INS004-002739,2022-08-22,5,39,44,1983,female,former_smoker,32.2,66,199,SD,USA,married,bachelors,white_collar,36339.43,0.6609,full_paramedical,133,76,198,37,5.35,84,5.7,False,,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-147,1.25,whole_life,250000,annual,991.24,,none,714.26,,,False,none,independent_broker,False,False,False,0.003542,0.008706,SOA_2015_VBT,SOA_Scale_MP2023,1.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000885,0.02,True,0.00321,1.0,False,,,,0.04,0.0469,False,normal_rate,3.35,2.14,False,False,False,False,False,0.832,58.7,53.7,super_preferred_longevity,100.0,baseline,1.004,0.556,False,,False,,249285.74,7571.67,7931.76,7929.92,1883.36,False,0,2.64,9.15
LI-2024-INS004-002740,2014-01-18,2,69,71,1945,male,former_smoker,19.2,61,101,FL,USA,divorced,some_college,heavy_blue_collar,59426.05,0.829,accelerated_UW,140,87,180,51,3.53,60,5.5,False,73.3,13.77,False,False,True,False,False,none,,none,none,substance_use_disorder,12,False,True,False,False,False,standard,1.08,,False,True,False,True,27,UW-370,1.0,whole_life,1000000,annual,5228.57,,none,3468.62,,,True,quota_share,independent_broker,False,False,False,0.035007,0.032221,SOA_2015_VBT,SOA_Scale_MP2023,1.048,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0415,False,normal_rate,2.86,2.57,False,False,False,False,False,0.801,21.7,19.7,preferred_longevity,64.5,baseline,0.878,0.569,False,,False,,996531.38,40258.96,37317.27,41201.13,10059.77,False,0,3.21,20.01
LI-2024-INS004-002741,2001-08-24,13,28,41,1973,female,former_smoker,31.4,61,166,NJ,USA,married,bachelors,light_blue_collar,25680.69,0.7384,full_paramedical,129,83,173,55,3.15,78,5.5,False,86.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard,,,False,False,False,False,27,UW-311,1.05,universal_life,1000000,monthly,3932.11,,15yr_declining,4000.85,,,True,none,independent_broker,False,False,False,0.002872,0.00298,SOA_2015_VBT,SOA_Scale_MP2023,1.044,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000144,0.018,False,,1.0,False,,,,0.04,0.02,False,normal_rate,0.88,1.95,False,False,False,False,False,0.952,68.3,55.0,super_preferred_longevity,100.0,baseline,0.946,0.735,False,,False,,995999.15,33660.26,28634.75,31456.88,7471.01,False,0,1.81,18.61
LI-2024-INS004-002742,2006-06-27,21,72,93,1934,male,never_smoker,31.8,62,173,NE,USA,married,high_school,heavy_blue_collar,38292.45,0.5509,simplified_issue,152,98,230,56,4.11,106,,False,,7.39,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_2,0.64,2.0,False,False,False,False,3,UW-341,1.5,universal_life,1000000,monthly,11948.69,,10yr_declining,17216.42,,,True,coinsurance,independent_broker,False,False,False,0.177366,0.40135,SOA_2015_VBT,SOA_Scale_MP2023,1.622,cardiovascular,True,2022-05-12,False,False,1761599.44,0.0007,5e-05,1.095,0.088683,0.005,False,,1.0,False,,,,0.04,0.0504,False,normal_rate,3.6,1.95,False,False,False,False,False,0.964,12.7,1.0,sub_standard_longevity,22.3,baseline,1.087,0.705,False,,False,,982783.58,4701.33,4307.82,4779.48,40864.52,False,0,1.6,8.58
LI-2024-INS004-002743,2012-06-11,9,33,42,1979,female,never_smoker,37.5,59,185,FL,USA,divorced,some_college,professional,22862.8,0.7316,non_med_guaranteed,132,88,251,33,7.61,87,5.3,False,97.5,,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-381,2.0,term_life,1000000,monthly,7366.71,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.002366,0.007247,SOA_2015_VBT,SOA_Scale_MP2023,2.169,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.018,False,,1.0,False,,,,0.05,0.0557,False,normal_rate,4.64,1.89,False,True,False,False,False,0.774,64.2,55.0,super_preferred_longevity,100.0,baseline,0.951,0.565,False,,False,,1000000.0,63182.26,54973.21,58933.68,13996.75,False,0,0.39,-4.49
LI-2024-INS004-002744,2019-09-14,3,74,77,1945,male,never_smoker,21.8,76,178,RI,USA,married,bachelors,light_blue_collar,20000.0,0.6134,full_paramedical,129,96,243,43,5.65,86,,False,74.2,5.06,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-280,1.5,term_life,500000,monthly,4261.84,25.0,none,,,,False,none,bank,False,False,False,0.045478,0.095431,SOA_2015_VBT,SOA_Scale_MP2023,1.537,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022739,0.008,False,,1.0,False,,,,0.07,0.0846,False,normal_rate,5.96,2.07,True,False,False,False,False,0.93,12.8,9.8,standard_longevity,36.4,baseline,1.04,0.642,False,,False,,500000.0,16226.79,17485.5,16706.41,11575.16,False,0,2.66,5.58
LI-2024-INS004-002745,2011-11-16,6,44,50,1967,female,current_smoker,25.1,58,119,VA,USA,divorced,graduate,light_blue_collar,70589.9,0.451,full_paramedical,108,72,249,58,4.29,95,5.3,True,98.5,,True,False,False,False,False,none,,none,moderate_gold_2,anxiety,3,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,39,UW-340,2.5,term_life,5000000,monthly,48357.06,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.008575,0.040099,SOA_2015_VBT,SOA_Scale_MP2023,2.734,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012863,0.015,False,,1.0,False,,,,0.05,0.0804,False,normal_rate,4.52,2.34,False,True,False,False,False,0.868,50.1,44.1,super_preferred_longevity,85.4,baseline,1.162,0.514,False,,False,,5000000.0,390072.66,339061.45,386856.48,91878.41,False,0,-1.98,-15.85
LI-2024-INS004-002746,2022-04-20,2,47,49,1975,female,never_smoker,26.9,72,198,AL,USA,married,graduate,light_blue_collar,25413.76,0.5073,full_paramedical,110,65,256,45,5.69,90,5.3,False,90.0,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-284,1.25,universal_life,500000,monthly,2405.16,,10yr_declining,1507.63,,,False,none,direct_to_consumer,False,False,False,0.003965,0.010442,SOA_2015_VBT,SOA_Scale_MP2023,1.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000991,0.018,True,0.0037,1.0,False,,,,0.08,0.0652,False,normal_rate,4.11,1.18,False,False,False,False,False,1.0,48.7,46.7,super_preferred_longevity,90.2,baseline,1.12,0.372,False,,False,,498492.37,19023.43,19346.5,19241.28,4569.8,False,0,1.73,12.14
LI-2024-INS004-002747,2023-07-14,2,35,37,1988,female,current_smoker,37.7,68,247,MA,USA,single,bachelors,heavy_blue_collar,91256.19,0.8144,full_paramedical,151,96,222,44,5.05,107,5.3,True,83.3,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_6,0.96,6.0,False,False,False,False,28,UW-083,2.5,indexed_ul,2000000,monthly,14594.99,,10yr_declining,9868.88,,,True,none,captive_agent,False,False,False,0.003415,0.012886,SOA_2015_VBT,SOA_Scale_MP2023,2.557,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005122,0.02,False,,1.0,False,,,,0.08,0.0377,False,normal_rate,2.33,1.17,False,False,False,False,False,0.77,64.1,55.0,super_preferred_longevity,100.0,baseline,0.889,0.648,False,,False,,1990131.12,119793.31,107326.08,116759.92,27730.48,False,0,1.89,-16.43
LI-2024-INS004-002748,2019-08-26,5,72,77,1947,male,never_smoker,29.0,68,190,OH,USA,divorced,bachelors,light_blue_collar,151211.94,0.3425,simplified_issue,149,89,254,62,4.1,110,5.9,False,88.3,9.53,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-369,1.5,whole_life,250000,monthly,2151.12,,none,1575.72,,,False,none,independent_broker,False,True,False,0.046215,0.116464,SOA_2015_VBT,SOA_Scale_MP2023,1.625,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023107,0.008,False,,1.0,False,,,,0.04,0.057,False,normal_rate,4.41,2.16,False,False,False,False,False,0.878,14.1,9.1,sub_standard_longevity,31.3,baseline,1.243,0.475,False,,False,,248424.28,7338.07,7220.12,7830.08,5962.9,False,0,3.22,2.18
LI-2024-INS004-002749,2015-07-18,12,39,51,1976,female,never_smoker,26.9,58,128,LA,USA,married,bachelors,professional,36636.86,0.8991,full_paramedical,133,84,163,28,5.82,112,4.8,False,82.2,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-250,1.25,term_life,1000000,monthly,5925.54,15.0,none,,,,True,quota_share,employer_group,False,False,False,0.004641,0.006835,SOA_2015_VBT,SOA_Scale_MP2023,1.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00116,0.018,False,,1.0,False,,,,0.03,0.0353,False,normal_rate,2.94,1.97,False,False,False,False,False,0.841,58.4,46.4,super_preferred_longevity,95.6,baseline,0.826,0.819,False,,False,,1000000.0,49152.54,43566.31,47404.32,11258.53,False,0,3.16,16.12
LI-2024-INS004-002750,2011-02-02,13,74,87,1937,female,never_smoker,32.8,58,156,RI,USA,widowed,high_school,white_collar,34685.32,0.4485,full_paramedical,165,101,232,71,3.27,135,5.6,False,,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-262,2.25,indexed_ul,2000000,quarterly,32574.22,,15yr_declining,33965.35,,,True,none,bank,False,False,False,0.087783,0.363667,SOA_2015_VBT,SOA_Scale_MP2023,2.486,neurological,True,2017-02-18,False,False,1585202.65,0.0007,5e-05,1.095,0.109729,0.005,False,,1.0,False,,,,0.04,0.0241,False,normal_rate,5.15,0.8,False,False,False,False,False,0.975,14.7,1.8,sub_standard_longevity,21.9,baseline,1.164,0.415,True,47.4,False,,1966034.65,22092.99,21320.83,23453.44,109319.08,False,0,0.61,-12.23
LI-2024-INS004-002751,2017-04-17,3,38,41,1979,male,never_smoker,24.4,67,155,MS,USA,married,high_school,light_blue_collar,303764.48,0.9676,non_med_guaranteed,137,82,192,54,3.56,98,4.6,False,65.3,2.98,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-148,1.25,term_life,1000000,quarterly,4897.3,20.0,none,,,,True,none,bank,False,False,False,0.002761,0.003788,SOA_2015_VBT,SOA_Scale_MP2023,1.449,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00069,0.018,False,,1.0,False,,,,0.07,0.0648,False,normal_rate,4.05,1.06,False,False,False,False,False,0.84,56.2,53.2,super_preferred_longevity,100.0,baseline,0.774,0.846,False,,False,,1000000.0,35400.73,38786.6,39178.4,9304.87,False,0,0.33,6.91
LI-2024-INS004-002752,2016-04-03,3,64,67,1952,male,former_smoker,26.0,75,207,CA,USA,widowed,bachelors,white_collar,33549.58,0.4712,simplified_issue,113,72,246,45,5.47,89,5.5,False,89.1,3.02,False,False,False,True,False,none,,none,none,anxiety,14,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,36,UW-126,2.5,term_life,2000000,semi_annual,30242.3,30.0,none,,,,True,quota_share,employer_group,False,False,False,0.024791,0.110723,SOA_2015_VBT,SOA_Scale_MP2023,2.587,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037187,0.012,False,,1.0,False,,,,0.07,0.1111,False,normal_rate,4.77,2.5,False,False,False,False,False,0.804,23.6,20.6,standard_longevity,50.5,baseline,1.147,0.406,False,,False,,2000000.0,239211.72,242471.97,241938.4,57460.37,False,0,0.2,-20.0
LI-2024-INS004-002753,2021-01-27,6,42,48,1979,female,never_smoker,25.8,70,179,VT,USA,single,some_college,heavy_blue_collar,284937.16,0.594,full_paramedical,127,75,217,41,5.29,90,5.4,False,99.7,,True,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,1.01,5.0,False,False,False,False,16,UW-082,2.25,whole_life,2000000,annual,18521.33,,none,14276.24,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.00367,0.015967,SOA_2015_VBT,SOA_Scale_MP2023,2.278,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004587,0.018,True,0.00256,1.0,False,,,,0.02,0.0343,False,normal_rate,4.83,0.58,False,False,False,False,False,0.867,54.7,48.7,super_preferred_longevity,94.5,baseline,1.054,0.565,False,,False,,1985723.76,153255.81,138291.32,148170.64,35190.53,False,0,2.62,-12.86
LI-2024-INS004-002754,2004-05-02,12,32,44,1972,male,never_smoker,27.6,71,197,FL,USA,married,bachelors,hazardous,37872.53,0.3534,simplified_issue,130,76,188,50,3.76,91,5.8,False,,1.71,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred_plus,3.1,,True,False,False,False,17,UW-191,0.65,indexed_ul,500000,annual,1190.82,,15yr_declining,1170.05,,,False,none,captive_agent,False,False,False,0.003406,0.002528,SOA_2015_VBT,SOA_Scale_MP2023,0.601,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0255,False,normal_rate,2.76,2.43,False,False,False,False,False,0.93,58.7,46.7,super_preferred_longevity,87.9,baseline,1.235,0.449,False,,False,,498829.95,8881.87,9490.73,9526.56,2262.56,False,0,4.78,23.4
LI-2024-INS004-002755,2006-06-08,3,69,72,1937,female,never_smoker,27.3,59,135,MT,USA,single,bachelors,heavy_blue_collar,68147.39,0.6318,accelerated_UW,139,86,198,54,3.67,88,5.8,False,103.9,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,1.27,1.0,False,False,False,True,12,UW-089,1.25,term_life,2000000,semi_annual,13770.26,15.0,none,,,,True,quota_share,independent_broker,True,False,False,0.023992,0.042853,SOA_2015_VBT,SOA_Scale_MP2023,1.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005998,0.005,False,,1.0,False,,,,0.07,0.0836,False,normal_rate,5.17,2.35,False,False,False,False,False,0.875,20.5,17.5,standard_longevity,48.2,baseline,1.026,0.597,False,,False,,2000000.0,103474.3,98078.35,96391.82,28917.55,False,0,2.2,13.56
LI-2024-INS004-002756,2003-10-22,22,49,71,1954,female,former_smoker,24.0,64,139,AZ,USA,single,high_school,professional,20000.0,0.3806,full_paramedical,135,73,198,53,3.74,87,4.6,False,85.7,,True,False,False,False,False,none,,none,none,schizophrenia,6,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-085,2.25,group_life,250000,monthly,3045.33,,none,,,,False,none,bank,False,False,False,0.028796,0.114864,SOA_2015_VBT,SOA_Scale_MP2023,2.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035996,0.012,False,,1.0,True,2025-11-01,non_payment,22.0,0.1,0.1396,False,normal_rate,3.33,2.73,False,False,False,False,False,0.838,42.6,20.6,standard_longevity,49.1,baseline,1.215,0.346,False,,False,,250000.0,25969.39,25115.3,24362.64,5786.13,False,0,4.69,-13.95
LI-2024-INS004-002757,2013-05-17,2,67,69,1946,female,never_smoker,21.4,70,148,MN,USA,married,high_school,professional,57929.88,0.6846,non_med_guaranteed,152,86,174,50,3.48,77,5.4,False,79.2,,True,False,True,False,False,none,,none,none,anxiety,2,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-473,1.5,term_life,500000,semi_annual,4670.94,20.0,none,,,,False,none,captive_agent,False,False,False,0.018238,0.038986,SOA_2015_VBT,SOA_Scale_MP2023,1.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009119,0.008,False,,1.0,False,,,,0.07,0.0807,False,normal_rate,3.64,0.97,False,False,False,True,False,0.822,27.3,25.3,preferred_longevity,70.7,baseline,0.987,0.731,False,,False,,500000.0,39917.91,32253.73,37367.52,8874.79,False,0,4.13,5.35
LI-2024-INS004-002758,2017-05-13,6,26,32,1991,male,current_smoker,27.6,66,170,MT,USA,divorced,some_college,light_blue_collar,39276.57,0.8415,full_paramedical,106,75,250,45,5.56,97,4.9,True,,,False,True,True,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,16,UW-099,1.75,annuity_deferred,500000,semi_annual,2105.03,,none,1718.81,,,False,none,captive_agent,False,False,False,0.003222,0.007809,SOA_2015_VBT,SOA_Scale_MP2023,1.926,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002417,0.022,False,,1.0,False,,,,0.02,0.0205,False,normal_rate,1.96,1.93,False,False,False,False,False,0.855,70.0,57.3,super_preferred_longevity,100.0,baseline,0.869,1.0,True,46.6,False,,498281.19,15774.49,16512.04,16840.24,3999.56,False,0,1.24,-0.07
LI-2024-INS004-002759,2022-04-24,4,56,60,1966,non_binary,current_smoker,29.1,64,169,RI,USA,married,some_college,white_collar,122871.02,0.7044,limited_exam,126,79,225,57,3.95,108,,True,80.3,,False,False,True,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,17,UW-096,2.75,universal_life,1000000,monthly,14559.87,,10yr_declining,10395.54,,,True,none,independent_broker,False,False,False,0.021974,0.104406,SOA_2015_VBT,SOA_Scale_MP2023,2.854,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038454,0.015,True,0.00501,1.0,False,,,,0.08,0.0409,False,normal_rate,4.38,1.85,False,False,False,False,False,0.883,37.9,33.9,super_preferred_longevity,83.9,baseline,0.972,0.758,False,,False,,989604.46,105815.82,120088.71,116478.96,27663.75,False,0,-2.73,-20.0
LI-2024-INS004-002760,2019-02-04,6,74,80,1945,male,current_smoker,30.9,66,191,VT,USA,married,graduate,white_collar,104187.03,0.7643,accelerated_UW,159,105,243,48,5.06,113,,True,72.0,5.85,False,False,False,True,False,none,,none,moderate_gold_2,substance_use_disorder,1,False,False,False,False,True,standard,,,False,True,False,True,44,UW-279,1.0,universal_life,500000,monthly,3080.05,,15yr_declining,2436.36,,,False,none,worksite,False,False,False,0.118062,0.119811,SOA_2015_VBT,SOA_Scale_MP2023,1.095,neurological,True,2023-07-29,False,False,1247216.1,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0294,False,normal_rate,2.29,2.79,False,True,False,False,False,0.777,13.4,7.4,standard_longevity,35.1,baseline,0.927,0.872,False,,False,,497563.64,8853.97,8307.96,9116.95,8956.78,False,0,2.69,10.4
LI-2024-INS004-002761,2001-01-16,4,75,79,1926,female,former_smoker,35.6,60,182,GA,USA,single,less_than_hs,professional,57190.2,0.4845,non_med_guaranteed,161,100,251,53,4.74,70,5.7,False,63.4,,False,False,False,False,False,none,,pre_diabetes,none,schizophrenia,2,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,22,UW-497,2.25,universal_life,500000,semi_annual,6728.45,,15yr_declining,4915.38,,,False,none,employer_group,False,False,False,0.041277,0.167669,SOA_2015_VBT,SOA_Scale_MP2023,2.474,cardiovascular,True,2004-08-27,False,False,1522566.58,0.0007,5e-05,1.095,0.051597,0.012,False,,1.0,False,,,,0.08,0.0567,False,normal_rate,4.29,2.15,False,False,False,False,False,0.757,12.8,10.2,standard_longevity,35.1,baseline,1.137,0.509,True,79.5,False,,495084.62,28650.83,23694.86,27452.08,18059.16,False,0,-3.27,-10.08
LI-2024-INS004-002762,2010-04-28,13,65,78,1945,female,former_smoker,32.3,72,237,MI,USA,single,graduate,heavy_blue_collar,39826.29,0.6057,accelerated_UW,147,86,260,39,6.67,101,5.7,False,72.9,,False,False,False,False,False,none,,pre_diabetes,none,anxiety,3,False,False,False,False,True,substandard_table_2,0.81,2.0,False,False,False,True,25,UW-436,1.5,indexed_ul,500000,semi_annual,4721.41,,10yr_declining,5044.54,,,False,none,independent_broker,False,False,False,0.051601,0.113271,SOA_2015_VBT,SOA_Scale_MP2023,1.621,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025801,0.008,False,,1.0,False,,,,0.04,0.0486,False,normal_rate,2.26,0.71,False,False,False,False,False,0.906,25.8,12.3,standard_longevity,40.0,baseline,1.046,0.575,True,19.6,False,,494955.46,25428.55,23929.64,23229.34,11879.07,False,0,2.12,6.61
LI-2024-INS004-002763,2017-05-13,6,72,78,1945,male,never_smoker,29.6,74,230,NM,USA,single,bachelors,heavy_blue_collar,97980.83,0.8593,full_paramedical,158,100,226,46,4.91,82,5.5,False,61.2,2.01,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,0.78,2.0,False,False,False,False,15,UW-015,1.5,whole_life,500000,monthly,4815.49,,none,3805.28,,,False,none,independent_broker,False,False,False,0.049617,0.09366,SOA_2015_VBT,SOA_Scale_MP2023,1.622,cardiovascular,True,2021-02-25,False,False,340631.94,0.0007,5e-05,1.095,0.024808,0.008,False,,1.0,False,,,,0.02,0.0203,False,normal_rate,3.38,1.16,True,False,False,False,False,0.855,15.8,10.7,standard_longevity,41.4,baseline,0.856,0.833,True,60.8,False,,496194.72,20091.07,18935.08,20610.3,12732.15,False,0,0.73,3.39
LI-2024-INS004-002764,2019-05-12,8,53,61,1966,female,never_smoker,17.8,59,90,PA,USA,married,some_college,white_collar,128551.77,0.7242,full_paramedical,127,77,170,52,3.27,85,,False,70.9,,True,False,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-487,1.25,term_life,1000000,annual,6591.26,20.0,none,,,,True,none,independent_broker,False,False,False,0.010635,0.015674,SOA_2015_VBT,SOA_Scale_MP2023,1.279,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002659,0.015,False,,1.0,False,,,,0.05,0.056,False,normal_rate,4.07,2.47,False,False,False,False,False,0.919,45.0,37.0,super_preferred_longevity,88.9,baseline,0.957,0.886,False,,False,,1000000.0,51326.5,52381.51,52730.08,12523.39,False,0,1.59,8.82
LI-2024-INS004-002765,2011-11-21,1,29,30,1982,female,never_smoker,21.6,60,110,AK,USA,single,bachelors,white_collar,20000.0,0.7237,non_med_guaranteed,104,66,162,56,2.89,92,5.1,False,110.8,,False,False,True,False,False,none,,none,none,schizophrenia,1,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-334,2.25,universal_life,250000,semi_annual,1337.5,,15yr_declining,777.75,,,False,none,direct_to_consumer,False,False,False,0.001168,0.004236,SOA_2015_VBT,SOA_Scale_MP2023,2.483,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00146,0.02,False,,1.0,True,2025-12-05,voluntary_surrender,1.0,0.12,0.0848,False,normal_rate,4.93,0.78,False,False,False,False,False,0.813,70.0,55.0,super_preferred_longevity,100.0,baseline,0.957,0.597,False,,False,,249222.25,11209.42,10060.95,10700.0,2541.25,False,0,4.66,-20.0
LI-2024-INS004-002766,2024-11-27,2,73,75,1951,female,current_smoker,29.6,66,183,NJ,USA,single,high_school,heavy_blue_collar,34667.38,0.3653,simplified_issue,136,76,222,59,3.76,92,5.4,True,67.6,,False,False,False,False,False,none,,none,mild_gold_1,anxiety,0,False,False,False,False,False,substandard_table_4,1.18,4.0,False,False,False,False,26,UW-489,2.0,universal_life,1000000,annual,14256.22,,10yr_declining,9040.5,7042.55,0.779,True,facultative,captive_agent,False,False,False,0.060603,0.222059,SOA_2015_VBT,SOA_Scale_MP2023,2.173,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.060603,0.012,False,,1.0,False,,,,0.08,0.0304,False,normal_rate,4.46,2.1,False,False,False,False,False,0.751,18.1,16.1,standard_longevity,42.1,baseline,1.226,0.369,False,,False,,990959.5,89049.3,81920.21,91810.06,31534.76,False,0,0.94,-14.56
LI-2024-INS004-002767,2008-10-27,6,20,26,1988,female,unknown,37.3,61,197,NC,USA,single,some_college,heavy_blue_collar,20000.0,0.5267,full_paramedical,115,59,150,20,7.5,106,4.5,False,68.8,,True,False,False,False,False,none,,none,none,anxiety,24,False,False,False,False,False,substandard_table_3,0.71,3.0,False,False,False,False,8,UW-379,1.75,indexed_ul,1000000,annual,3408.65,,15yr_declining,2530.71,,,True,quota_share,bank,True,False,False,0.00113,0.003066,SOA_2015_VBT,SOA_Scale_MP2023,1.776,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000848,0.02,False,,1.0,False,,,,0.06,0.0345,False,normal_rate,3.08,1.01,False,False,False,False,False,0.944,70.0,55.0,super_preferred_longevity,100.0,baseline,1.105,0.464,False,,False,,997469.29,28968.5,26598.68,27269.2,6476.43,False,0,-0.89,0.35
LI-2024-INS004-002768,2001-11-11,8,23,31,1978,female,never_smoker,33.3,64,193,MS,USA,single,less_than_hs,white_collar,63582.66,0.5425,full_paramedical,132,87,210,55,3.82,142,4.4,False,95.1,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-238,1.25,term_life,2000000,annual,7102.74,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.001226,0.002126,SOA_2015_VBT,SOA_Scale_MP2023,1.358,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000306,0.018,False,,1.0,False,,,,0.05,0.0633,False,normal_rate,1.89,2.75,False,True,False,False,False,0.959,70.0,56.3,super_preferred_longevity,100.0,baseline,1.093,0.664,True,41.0,False,,2000000.0,58547.68,58722.07,56821.92,13495.21,False,0,1.37,12.87
LI-2024-INS004-002769,2019-01-22,7,66,73,1953,female,never_smoker,29.2,63,164,NJ,USA,married,high_school,white_collar,44792.9,0.5751,limited_exam,146,95,200,52,3.85,93,,False,82.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-384,1.5,term_life,100000,monthly,942.96,15.0,none,,,,True,facultative,independent_broker,False,False,False,0.026065,0.055261,SOA_2015_VBT,SOA_Scale_MP2023,1.516,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013032,0.012,False,,1.0,False,,,,0.05,0.062,False,normal_rate,3.62,2.88,False,False,False,False,False,0.942,26.2,19.7,standard_longevity,50.7,baseline,1.069,0.654,True,41.7,False,,100000.0,7994.18,7083.19,7430.52,1814.26,False,0,4.16,-0.98
LI-2024-INS004-002770,2020-08-18,4,55,59,1965,male,never_smoker,28.5,74,222,CT,USA,married,some_college,light_blue_collar,79462.33,0.388,full_paramedical,124,81,211,50,4.22,98,4.5,False,63.9,2.68,False,True,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-232,1.25,term_life,100000,quarterly,688.22,20.0,none,,,,False,none,independent_broker,False,False,False,0.011215,0.020437,SOA_2015_VBT,SOA_Scale_MP2023,1.28,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002804,0.015,True,0.00028,1.0,False,,,,0.07,0.0973,False,normal_rate,2.59,2.59,False,False,False,False,False,0.797,34.5,30.5,preferred_longevity,64.1,baseline,1.209,0.379,False,,False,,100000.0,4972.45,5240.63,5505.76,1307.62,False,0,-0.72,12.16
LI-2024-INS004-002771,2006-01-22,19,22,41,1984,female,current_smoker,23.1,59,114,MO,USA,married,bachelors,light_blue_collar,20000.0,0.7936,full_paramedical,106,68,252,47,5.36,101,5.2,True,80.3,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,9,UW-382,2.75,indexed_ul,1000000,monthly,8894.01,,10yr_declining,11687.07,,,True,quota_share,independent_broker,False,False,False,0.004418,0.01942,SOA_2015_VBT,SOA_Scale_MP2023,2.924,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007732,0.02,False,,1.0,True,2026-01-11,non_payment,19.0,0.04,0.0426,False,normal_rate,4.59,2.84,False,False,False,False,False,0.866,70.0,51.0,super_preferred_longevity,100.0,baseline,0.905,0.771,False,,False,,988312.93,68495.0,68451.92,71152.08,16898.62,False,0,2.4,-19.9
LI-2024-INS004-002772,2011-03-26,9,59,68,1952,female,unknown,25.5,72,188,AL,USA,single,graduate,white_collar,58762.85,0.3817,full_paramedical,131,84,191,52,3.67,92,4.8,False,73.3,,False,False,False,False,False,none,,none,none,none,4,False,False,False,True,True,standard_plus,,,False,False,False,False,36,UW-494,0.9,term_life,500000,monthly,2797.68,20.0,none,,,,False,none,independent_broker,False,False,False,0.01914,0.023161,SOA_2015_VBT,SOA_Scale_MP2023,0.997,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0697,False,normal_rate,4.82,1.3,False,False,False,False,False,0.897,32.3,23.3,standard_longevity,53.2,baseline,1.214,0.475,False,,False,,500000.0,21238.01,21909.99,22381.44,5315.59,False,0,5.87,16.53
LI-2024-INS004-002773,2005-11-19,4,58,62,1947,male,never_smoker,28.7,73,217,DE,USA,married,graduate,light_blue_collar,63272.86,0.6879,limited_exam,144,86,231,46,5.02,106,4.6,False,62.4,1.68,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-459,1.25,term_life,100000,monthly,686.83,20.0,none,,,,False,none,independent_broker,False,False,False,0.012533,0.019265,SOA_2015_VBT,SOA_Scale_MP2023,1.308,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003133,0.008,False,,1.0,False,,,,0.07,0.0805,False,normal_rate,4.96,0.93,False,True,False,False,False,0.853,29.4,25.4,preferred_longevity,60.9,baseline,0.984,0.688,False,,False,,100000.0,4985.32,4674.12,5494.64,1304.98,False,0,6.14,12.03
LI-2024-INS004-002774,2002-01-22,17,68,85,1934,male,never_smoker,31.5,76,258,MO,USA,married,high_school,professional,41789.45,0.414,limited_exam,139,80,264,54,4.89,75,5.2,True,54.2,13.18,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-223,2.0,term_life,100000,semi_annual,1388.06,15.0,none,,,,False,none,bank,False,False,False,0.182466,0.660612,SOA_2015_VBT,SOA_Scale_MP2023,2.203,cancer,True,2012-12-10,False,False,1705253.08,0.0007,5e-05,1.095,0.182466,0.005,False,,1.0,False,,,,0.03,0.0411,False,normal_rate,4.66,1.36,False,False,False,False,False,0.781,16.2,1.0,sub_standard_longevity,20.2,baseline,1.19,0.49,False,,False,,100000.0,548.43,581.77,555.22,4747.17,False,0,1.03,-9.36
LI-2024-INS004-002775,2016-08-06,5,19,24,1997,female,never_smoker,30.6,70,213,RI,USA,married,less_than_hs,white_collar,20237.31,0.5703,limited_exam,144,103,141,59,2.39,90,5.2,False,86.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-078,2.0,universal_life,250000,quarterly,1077.35,,10yr_declining,807.11,,,False,none,employer_group,False,False,False,0.000913,0.002976,SOA_2015_VBT,SOA_Scale_MP2023,2.108,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000913,0.022,False,,1.0,False,,,,0.08,0.0537,False,normal_rate,4.23,2.29,False,False,False,False,False,0.891,70.0,54.6,super_preferred_longevity,100.0,baseline,1.072,0.321,True,30.8,False,,249192.89,8616.27,7578.12,8618.8,2046.96,False,0,0.2,-11.82
LI-2024-INS004-002776,2004-03-13,13,28,41,1976,male,never_smoker,24.2,72,178,NH,USA,married,graduate,white_collar,56721.02,0.8163,full_paramedical,134,86,200,42,4.76,93,5.0,False,106.0,1.48,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,5,UW-212,0.78,whole_life,250000,monthly,631.69,,none,623.79,,,False,none,captive_agent,False,False,False,0.002761,0.002067,SOA_2015_VBT,SOA_Scale_MP2023,0.843,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0157,False,normal_rate,3.14,1.03,False,False,False,False,False,0.75,65.1,47.4,super_preferred_longevity,95.8,baseline,0.888,0.819,True,0.0,False,,249376.21,4817.16,4809.72,5053.52,1200.21,False,0,1.72,24.12
LI-2024-INS004-002777,2015-04-26,4,68,72,1947,female,never_smoker,32.1,69,217,WI,USA,single,graduate,professional,131898.99,0.2719,full_paramedical,157,101,215,51,4.22,117,6.1,False,67.5,,True,True,False,True,False,none,,none,none,none,5,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,24,UW-057,2.5,term_life,2000000,monthly,31573.46,30.0,none,,,,True,none,captive_agent,False,False,False,0.023891,0.116033,SOA_2015_VBT,SOA_Scale_MP2023,2.59,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035836,0.008,False,,1.0,False,,,,0.07,0.1453,False,normal_rate,4.75,1.26,False,False,False,False,False,0.933,21.8,17.8,standard_longevity,43.3,baseline,1.296,0.202,False,,False,,2000000.0,228563.79,220926.88,224803.04,65546.5,False,0,-1.31,-14.45
LI-2024-INS004-002778,2013-12-26,6,65,71,1948,female,never_smoker,30.2,62,165,ID,USA,married,high_school,professional,33820.82,0.46,full_paramedical,136,84,212,64,3.31,112,,False,70.3,,False,False,False,True,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,59,UW-493,2.5,indexed_ul,5000000,annual,74495.58,,15yr_declining,57450.05,,,True,excess_of_loss,independent_broker,False,False,False,0.022068,0.098379,SOA_2015_VBT,SOA_Scale_MP2023,2.561,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033102,0.008,False,,1.0,False,,,,0.06,0.036,False,normal_rate,5.3,1.58,False,False,False,False,False,0.927,25.7,19.7,standard_longevity,48.9,baseline,1.155,0.461,False,,False,,4942549.95,549746.5,501094.5,587025.17,143329.5,False,0,0.83,-15.32
LI-2024-INS004-002779,2021-05-16,4,21,25,2000,non_binary,never_smoker,28.6,60,146,PA,USA,single,some_college,professional,47128.44,0.6575,accelerated_UW,128,86,174,40,4.35,93,4.9,False,,,True,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,8,UW-497,2.0,universal_life,250000,monthly,1139.54,,10yr_declining,822.19,,,False,none,direct_to_consumer,False,False,False,0.001064,0.006226,SOA_2015_VBT,SOA_Scale_MP2023,2.222,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001064,0.012,True,0.00278,1.0,False,,,,0.08,0.0592,False,normal_rate,4.59,2.59,False,False,False,False,False,0.961,70.0,55.6,super_preferred_longevity,100.0,baseline,1.007,0.641,True,37.0,False,,249177.81,9837.83,8719.1,9116.32,2165.13,False,0,1.09,-5.55
LI-2024-INS004-002780,2005-09-20,9,46,55,1959,female,current_smoker,31.3,62,171,MA,USA,single,some_college,hazardous,25118.98,0.6829,full_paramedical,124,85,279,53,5.26,104,5.2,True,66.7,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_3,3.13,3.0,True,False,False,False,24,UW-270,1.75,term_life,250000,annual,1747.31,20.0,none,,,,False,none,captive_agent,False,False,False,0.011943,0.032388,SOA_2015_VBT,SOA_Scale_MP2023,1.986,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008958,0.012,False,,1.0,False,,,,0.05,0.0577,False,normal_rate,2.17,2.26,False,False,False,False,False,0.832,47.5,38.5,super_preferred_longevity,80.5,baseline,0.988,0.618,False,,False,,250000.0,12705.75,12293.94,13978.48,3319.89,False,0,3.9,0.23
LI-2024-INS004-002781,2014-12-04,6,56,62,1958,female,never_smoker,18.3,59,90,AZ,USA,divorced,less_than_hs,white_collar,72492.77,0.5538,simplified_issue,151,102,209,63,3.32,84,5.5,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-324,2.0,group_life,100000,monthly,1145.35,,none,,,,False,none,bank,False,False,False,0.010647,0.036342,SOA_2015_VBT,SOA_Scale_MP2023,2.225,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010647,0.012,False,,1.0,False,,,,0.12,0.1508,False,normal_rate,4.01,1.95,False,False,False,False,False,0.825,36.9,30.9,preferred_longevity,67.2,baseline,1.085,0.574,False,,False,,100000.0,8805.89,9106.0,9162.8,2176.16,False,0,0.82,-9.52
LI-2024-INS004-002782,2016-01-18,2,40,42,1976,female,current_smoker,36.3,66,224,TX,USA,married,some_college,professional,20000.0,0.8142,accelerated_UW,130,82,262,44,5.95,103,5.6,True,107.4,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,True,30,UW-336,1.75,indexed_ul,250000,monthly,1689.48,,15yr_declining,1091.1,,,False,none,independent_broker,False,False,False,0.004731,0.011345,SOA_2015_VBT,SOA_Scale_MP2023,1.853,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003548,0.018,False,,1.0,False,,,,0.08,0.0378,False,normal_rate,4.79,1.56,False,False,False,False,False,0.835,57.1,55.0,super_preferred_longevity,100.0,baseline,0.889,0.899,False,,False,,248908.9,12740.83,14190.11,13515.84,3210.01,False,0,0.55,2.38
LI-2024-INS004-002783,2014-11-24,11,27,38,1987,male,never_smoker,29.7,62,162,NM,USA,divorced,high_school,light_blue_collar,208273.62,0.5536,full_paramedical,102,51,191,53,3.6,93,,False,88.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,29,UW-467,1.0,term_life,250000,quarterly,912.0,20.0,none,,,,False,none,captive_agent,False,False,False,0.00227,0.002552,SOA_2015_VBT,SOA_Scale_MP2023,1.036,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0377,False,normal_rate,2.46,2.56,False,False,False,False,False,0.793,66.9,55.6,super_preferred_longevity,100.0,baseline,1.085,0.471,True,37.2,False,,250000.0,7110.21,6363.88,7296.0,1732.8,False,0,4.3,15.39
LI-2024-INS004-002784,2006-02-21,17,33,50,1973,male,never_smoker,16.7,67,106,ME,USA,married,some_college,professional,34152.72,0.6274,accelerated_UW,122,74,189,41,4.61,92,5.4,False,,9.06,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,5,UW-319,2.25,term_life,500000,quarterly,5244.03,25.0,none,,,,False,none,independent_broker,True,False,False,0.005359,0.01993,SOA_2015_VBT,SOA_Scale_MP2023,2.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.018,False,,1.0,False,,,,0.03,0.0359,False,normal_rate,1.94,2.45,False,False,False,False,True,0.761,58.9,43.0,super_preferred_longevity,86.4,baseline,1.029,0.585,True,41.6,False,,500000.0,44289.4,39781.16,41952.24,9963.66,False,0,0.52,-15.35
LI-2024-INS004-002785,2009-01-02,7,31,38,1978,male,former_smoker,30.4,71,218,CT,USA,married,high_school,white_collar,20000.0,0.4194,full_paramedical,123,73,164,42,3.9,93,,False,75.0,,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-036,2.0,term_life,500000,monthly,3484.78,10.0,none,,,,False,none,employer_group,False,False,False,0.002951,0.010467,SOA_2015_VBT,SOA_Scale_MP2023,2.148,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002951,0.018,False,,1.0,False,,,,0.05,0.0819,False,normal_rate,2.96,1.52,False,False,False,False,False,0.979,60.8,53.8,super_preferred_longevity,99.5,baseline,1.185,0.284,False,,False,,500000.0,26870.6,27583.9,27878.24,6621.08,False,0,4.59,-11.75
LI-2024-INS004-002786,2020-05-01,4,19,23,2001,male,never_smoker,25.5,60,130,CT,USA,married,bachelors,white_collar,43178.38,0.4347,full_paramedical,126,81,216,40,5.4,76,,False,112.1,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-014,1.25,annuity_immediate,500000,monthly,1042.95,,none,,,,False,none,captive_agent,False,False,False,0.001103,0.006427,SOA_2015_VBT,SOA_Scale_MP2023,1.477,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000276,0.012,True,0.00424,1.0,False,,,,0.005,0.0068,False,normal_rate,3.45,0.54,False,False,False,False,False,0.957,70.0,55.0,super_preferred_longevity,100.0,baseline,1.174,0.405,False,,False,,500000.0,7691.19,8467.91,8343.6,1981.61,False,0,0.67,13.18
LI-2024-INS004-002787,2005-12-27,16,18,34,1987,female,current_smoker,35.7,58,170,WV,USA,married,graduate,white_collar,190217.18,0.6201,simplified_issue,117,68,281,50,5.62,115,5.0,True,91.8,,True,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,11,UW-088,2.75,term_life,250000,monthly,2102.6,15.0,none,,,,False,none,captive_agent,False,False,False,0.002868,0.013345,SOA_2015_VBT,SOA_Scale_MP2023,2.805,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005019,0.02,False,,1.0,False,,,,0.03,0.0361,False,normal_rate,4.45,1.28,False,False,False,False,False,0.957,70.0,57.7,super_preferred_longevity,100.0,baseline,1.035,0.733,True,54.5,False,,250000.0,16908.27,16099.83,16820.8,3994.94,False,0,-1.46,-14.71
LI-2024-INS004-002788,2001-11-01,16,68,84,1933,male,current_smoker,30.1,61,159,TN,USA,married,bachelors,white_collar,43158.38,0.3923,limited_exam,152,83,244,40,6.1,127,5.1,True,63.6,20.0,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,True,False,False,False,standard,,,False,True,False,False,26,UW-012,1.0,group_life,100000,quarterly,701.64,,none,,,,False,none,independent_broker,False,False,False,0.166694,0.213658,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.1,0.1386,False,normal_rate,4.55,1.53,False,False,False,False,False,0.88,15.9,1.0,sub_standard_longevity,19.9,baseline,1.206,0.441,False,,False,,100000.0,267.49,251.53,280.66,2399.61,False,0,5.38,18.97
LI-2024-INS004-002789,2009-07-05,6,35,41,1974,male,never_smoker,33.8,63,190,OR,USA,married,high_school,professional,65246.87,0.5185,full_paramedical,115,70,235,72,3.26,137,5.6,False,85.0,2.27,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,standard_plus,,,False,False,False,False,24,UW-313,0.95,term_life,500000,monthly,1631.75,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.002761,0.002942,SOA_2015_VBT,SOA_Scale_MP2023,0.959,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,True,2025-11-13,voluntary_surrender,6.0,0.05,0.0771,False,normal_rate,3.49,1.98,False,False,False,False,False,0.888,56.6,50.6,super_preferred_longevity,96.2,baseline,1.111,0.609,False,,False,,500000.0,14177.3,12950.22,13054.0,3100.32,False,0,2.91,15.83
LI-2024-INS004-002790,2010-03-20,1,20,21,1990,female,never_smoker,36.1,62,197,CO,USA,married,graduate,heavy_blue_collar,44851.43,0.9139,limited_exam,112,75,241,24,10.04,94,5.5,False,98.2,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_3,1.04,3.0,False,False,False,False,17,UW-436,1.75,term_life,2000000,semi_annual,6388.1,30.0,none,,,,True,none,captive_agent,False,False,False,0.000829,0.001839,SOA_2015_VBT,SOA_Scale_MP2023,1.804,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000621,0.022,False,,1.0,True,2025-11-11,voluntary_surrender,1.0,0.1,0.0969,False,normal_rate,2.44,0.67,False,False,True,False,False,0.965,70.0,55.0,super_preferred_longevity,100.0,baseline,0.815,0.99,False,,False,,2000000.0,54456.72,52071.95,51104.8,12137.39,False,0,1.53,9.78
LI-2024-INS004-002791,2003-07-16,21,32,53,1971,female,former_smoker,32.1,70,223,WA,USA,divorced,some_college,professional,125427.73,0.5198,simplified_issue,105,66,209,30,6.97,98,5.1,False,87.1,,True,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-424,2.25,term_life,100000,semi_annual,970.76,15.0,none,,,,False,none,captive_agent,False,False,False,0.007086,0.028357,SOA_2015_VBT,SOA_Scale_MP2023,2.479,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008857,0.018,False,,1.0,False,,,,0.03,0.0385,False,normal_rate,4.84,1.84,False,False,False,False,False,0.951,63.2,42.2,super_preferred_longevity,83.6,baseline,1.11,0.629,False,,False,,100000.0,8083.9,6888.2,7766.08,1844.44,False,0,-1.03,-13.73
LI-2024-INS004-002792,2000-02-10,21,27,48,1973,female,former_smoker,19.6,60,100,CT,USA,married,some_college,heavy_blue_collar,34095.08,0.6953,limited_exam,85,50,178,72,2.47,75,,False,97.2,,False,False,False,False,True,colorectal,0.2,none,none,none,1,False,False,False,False,True,standard,0.95,,False,True,False,False,46,UW-229,1.0,indexed_ul,250000,annual,972.35,,15yr_declining,1395.17,,,False,none,worksite,False,False,False,0.004771,0.004734,SOA_2015_VBT,SOA_Scale_MP2023,1.014,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0458,False,normal_rate,3.53,1.49,False,False,False,False,False,0.781,69.2,48.2,super_preferred_longevity,95.2,baseline,0.979,0.767,False,,False,,248604.83,8261.62,6760.16,7778.8,1847.46,False,0,2.83,16.28
LI-2024-INS004-002793,2020-10-17,5,62,67,1958,female,former_smoker,27.9,69,188,TN,USA,married,high_school,white_collar,36131.01,0.6613,full_paramedical,119,83,160,52,3.08,96,5.0,False,80.4,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,standard,,,False,False,False,False,6,UW-365,1.06,term_life,1000000,quarterly,5819.02,15.0,none,,,,True,none,captive_agent,False,False,False,0.021323,0.027764,SOA_2015_VBT,SOA_Scale_MP2023,1.08,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001279,0.012,True,0.00336,1.0,False,,,,0.07,0.082,False,normal_rate,2.58,0.68,False,False,False,False,False,0.781,31.3,26.3,preferred_longevity,61.9,baseline,1.004,0.813,False,,False,,1000000.0,44802.53,42576.3,46552.16,11056.14,False,0,3.07,18.38
LI-2024-INS004-002794,2011-03-25,11,77,88,1934,male,never_smoker,27.8,69,188,NC,USA,widowed,bachelors,light_blue_collar,36008.2,0.653,simplified_issue,129,77,252,68,3.71,60,,False,60.8,20.0,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-181,2.25,indexed_ul,500000,monthly,9244.42,,15yr_declining,8835.0,,,False,none,independent_broker,True,False,False,0.117573,0.440347,SOA_2015_VBT,SOA_Scale_MP2023,2.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.146966,0.005,False,,1.0,False,,,,0.04,0.0212,False,normal_rate,5.25,1.55,False,False,False,False,False,0.825,8.1,1.0,sub_standard_longevity,23.8,baseline,1.01,0.604,False,,False,,491165.0,3943.01,3423.75,3697.77,31615.92,False,0,1.43,-6.99
LI-2024-INS004-002795,2004-01-02,5,21,26,1983,male,never_smoker,30.0,61,158,AZ,USA,married,some_college,white_collar,86130.05,0.6782,full_paramedical,115,62,185,41,4.51,75,5.4,False,97.1,,False,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,standard_plus,,,False,False,False,False,38,UW-480,1.0,term_life,100000,monthly,212.25,20.0,none,,,,False,none,bank,False,False,False,0.001229,0.001113,SOA_2015_VBT,SOA_Scale_MP2023,0.914,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.081,False,normal_rate,3.8,0.55,False,False,False,False,False,0.921,70.0,55.0,super_preferred_longevity,100.0,baseline,0.991,0.7,False,,False,,100000.0,1580.68,1570.52,1698.0,403.27,False,0,3.49,22.4
LI-2024-INS004-002796,2021-12-16,1,26,27,1995,female,never_smoker,22.0,66,136,WV,USA,married,high_school,white_collar,202836.73,0.6673,accelerated_UW,86,50,182,57,3.19,98,,False,120.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,True,28,UW-378,0.65,universal_life,1000000,monthly,1338.07,,15yr_declining,856.76,,,True,quota_share,independent_broker,False,False,False,0.001023,0.002206,SOA_2015_VBT,SOA_Scale_MP2023,0.683,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00151,1.0,False,,,,0.12,0.063,False,normal_rate,5.49,0.98,False,False,False,False,False,0.858,70.0,55.0,super_preferred_longevity,100.0,baseline,1.0,0.688,False,,False,,999143.24,10180.91,10651.87,10704.56,2542.33,False,0,9.75,21.72
LI-2024-INS004-002797,2016-11-19,3,37,40,1979,male,never_smoker,36.2,60,185,OR,USA,married,some_college,white_collar,49921.31,0.587,full_paramedical,134,91,231,47,4.91,98,4.8,False,71.1,2.13,False,False,False,False,False,none,,none,none,substance_use_disorder,11,False,False,False,False,False,standard,,,False,True,False,False,17,UW-218,1.0,annuity_deferred,500000,quarterly,1798.68,,none,1291.22,,,False,none,worksite,False,False,False,0.002583,0.002764,SOA_2015_VBT,SOA_Scale_MP2023,1.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0492,False,normal_rate,2.86,2.13,False,False,False,False,False,0.997,55.6,52.6,super_preferred_longevity,100.0,baseline,1.06,0.473,False,,False,,498708.78,15561.8,14030.69,14389.44,3417.49,False,0,2.47,11.17
LI-2024-INS004-002798,2024-09-10,1,63,64,1961,male,never_smoker,24.2,71,173,NV,USA,married,bachelors,light_blue_collar,127220.39,0.8628,limited_exam,143,84,269,54,4.98,95,,False,72.4,9.31,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-038,1.25,indexed_ul,500000,semi_annual,3288.22,,10yr_declining,1976.61,,,False,none,captive_agent,False,False,False,0.016193,0.0225,SOA_2015_VBT,SOA_Scale_MP2023,1.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004048,0.015,False,,1.0,False,,,,0.11,0.05,False,normal_rate,4.02,2.24,False,False,False,True,False,0.825,27.8,30.5,preferred_longevity,71.2,baseline,0.853,0.85,True,80.3,True,-0.438,498023.39,25034.36,23739.96,26305.76,6247.62,False,0,2.53,15.42
LI-2024-INS004-002799,2010-07-11,9,57,66,1953,male,never_smoker,28.5,74,221,IL,USA,married,high_school,light_blue_collar,102615.98,0.7712,full_paramedical,127,73,216,54,4.0,91,4.9,False,75.8,4.85,True,False,False,True,False,none,,none,none,depression,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,35,UW-350,2.5,term_life,1000000,monthly,15421.73,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.017696,0.07043,SOA_2015_VBT,SOA_Scale_MP2023,2.691,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026544,0.012,False,,1.0,False,,,,0.05,0.0542,False,normal_rate,3.65,0.64,False,False,False,False,False,0.859,32.0,23.0,standard_longevity,58.6,baseline,0.922,0.841,False,,False,,1000000.0,125293.91,120086.64,123373.84,29301.29,False,0,4.1,-16.5
LI-2024-INS004-002800,2003-12-05,22,71,93,1932,male,former_smoker,22.6,73,171,DE,USA,single,bachelors,white_collar,91277.46,0.602,full_paramedical,152,98,216,57,3.79,80,,False,68.7,3.46,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,28,UW-152,1.5,universal_life,1000000,quarterly,12167.09,,15yr_declining,18416.31,,,True,none,independent_broker,False,False,False,0.228276,0.493743,SOA_2015_VBT,SOA_Scale_MP2023,1.586,respiratory,True,2019-11-01,False,False,584643.21,0.0007,5e-05,1.095,0.114138,0.005,False,,1.0,False,,,,0.04,0.0487,False,normal_rate,3.03,1.45,False,False,False,False,False,0.964,13.6,1.0,sub_standard_longevity,23.0,baseline,1.048,0.446,False,,False,,981583.69,5088.15,4385.93,4866.84,41611.45,False,0,3.4,2.57
LI-2024-INS004-002801,2007-10-27,3,66,69,1941,female,never_smoker,23.1,61,122,ME,USA,married,graduate,professional,35054.65,0.5135,full_paramedical,133,83,180,56,3.21,75,5.4,False,77.1,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-317,0.84,indexed_ul,250000,semi_annual,1051.84,,10yr_declining,748.86,,,False,none,independent_broker,False,False,False,0.01752,0.01586,SOA_2015_VBT,SOA_Scale_MP2023,0.812,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.08,0.0464,False,normal_rate,0.9,2.46,False,False,False,False,False,0.774,23.8,20.8,standard_longevity,51.4,baseline,1.115,0.524,False,,False,,249251.14,9143.89,7964.11,8414.72,1998.5,False,0,4.57,21.6
LI-2024-INS004-002802,2002-08-17,2,23,25,1979,male,never_smoker,26.6,60,136,NH,USA,married,less_than_hs,hazardous,161348.35,0.4995,non_med_guaranteed,121,59,149,34,4.38,100,4.8,False,110.0,,True,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,preferred_plus,4.92,,True,False,False,False,17,UW-240,0.69,whole_life,1000000,quarterly,1556.35,,none,972.59,,,True,facultative,independent_broker,False,False,False,0.001183,0.000869,SOA_2015_VBT,SOA_Scale_MP2023,0.653,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.052,False,normal_rate,3.98,1.87,False,False,False,False,False,0.928,69.3,55.0,super_preferred_longevity,100.0,baseline,1.125,0.416,False,,False,,999027.41,12455.08,11786.47,12450.8,2957.06,False,0,3.26,23.91
LI-2024-INS004-002803,2020-04-15,7,18,25,2002,female,former_smoker,24.0,58,114,RI,USA,married,graduate,hazardous,33998.55,0.5836,non_med_guaranteed,118,84,162,54,3.0,103,4.9,False,70.4,,True,False,False,False,False,none,,none,none,anxiety,3,False,False,True,False,True,preferred,2.55,,True,False,False,False,49,UW-422,0.8,term_life,250000,monthly,422.59,20.0,none,,,,False,none,independent_broker,False,False,False,0.00123,0.001205,SOA_2015_VBT,SOA_Scale_MP2023,0.796,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00016,1.0,False,,,,0.05,0.0617,False,normal_rate,5.1,1.6,False,False,False,False,False,0.761,70.0,55.0,super_preferred_longevity,100.0,baseline,1.062,0.555,False,,False,,250000.0,3395.95,3098.04,3380.72,802.92,False,0,6.14,20.38
LI-2024-INS004-002804,2011-09-25,1,46,47,1965,male,never_smoker,27.9,70,194,WI,USA,married,some_college,professional,178878.19,0.6805,accelerated_UW,113,81,200,52,3.85,86,5.2,False,,0.92,False,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,41,UW-142,2.5,universal_life,2000000,quarterly,19480.13,,10yr_declining,12788.28,,,True,excess_of_loss,captive_agent,False,False,False,0.004251,0.017549,SOA_2015_VBT,SOA_Scale_MP2023,2.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006376,0.015,False,,1.0,False,,,,0.12,0.0624,False,normal_rate,4.65,2.05,False,False,False,False,False,0.763,44.7,43.7,super_preferred_longevity,88.3,baseline,0.99,0.482,False,,False,,1987211.72,159548.44,145073.71,155841.04,37012.25,False,0,0.61,-20.0
LI-2024-INS004-002805,2020-02-10,1,25,26,1995,female,current_smoker,28.8,68,189,IL,USA,married,some_college,professional,307429.39,0.5486,accelerated_UW,112,65,205,47,4.36,107,,True,101.3,,False,False,False,False,False,none,,none,none,bipolar,9,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,True,22,UW-331,2.5,term_life,2000000,monthly,11451.58,15.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.001966,0.01242,SOA_2015_VBT,SOA_Scale_MP2023,2.67,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002949,0.022,True,0.00376,1.0,True,2026-02-11,non_payment,1.0,0.1,0.1261,False,normal_rate,4.44,0.55,False,False,False,False,False,0.851,70.0,55.0,super_preferred_longevity,100.0,baseline,1.089,0.677,False,,False,,2000000.0,95119.67,90806.96,91612.64,21758.0,False,0,2.95,-19.48
LI-2024-INS004-002806,2021-09-09,3,74,77,1947,male,never_smoker,22.3,62,121,OK,USA,divorced,high_school,hazardous,75495.82,0.6644,limited_exam,120,81,212,59,3.59,76,5.9,False,75.6,4.72,False,False,False,True,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_6,3.82,6.0,True,False,False,False,55,UW-025,2.5,term_life,250000,annual,4137.02,15.0,none,,,,False,none,worksite,False,False,False,0.046215,0.190934,SOA_2015_VBT,SOA_Scale_MP2023,2.627,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.069322,0.008,True,0.0,1.0,True,2025-08-14,non_payment,3.0,0.07,0.0818,False,normal_rate,3.16,1.09,False,False,False,False,False,0.923,13.3,10.3,standard_longevity,37.9,baseline,1.002,0.576,False,,False,,250000.0,17411.81,17596.33,17044.52,11070.67,False,0,0.42,-20.0
LI-2024-INS004-002807,2022-07-02,1,48,49,1974,male,never_smoker,24.3,60,124,NH,USA,married,high_school,professional,66262.29,0.3553,full_paramedical,123,75,251,48,5.23,88,,False,77.1,2.19,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-494,1.25,term_life,500000,monthly,2373.63,30.0,none,,,,False,none,independent_broker,False,False,False,0.004956,0.012498,SOA_2015_VBT,SOA_Scale_MP2023,1.368,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001239,0.018,True,0.0029,1.0,False,,,,0.1,0.1416,False,normal_rate,3.65,2.91,False,False,False,False,False,0.756,43.0,45.6,super_preferred_longevity,86.2,baseline,1.234,0.298,True,59.5,False,,500000.0,17582.41,18723.25,18989.04,4509.9,False,0,3.2,12.49
LI-2024-INS004-002808,2019-09-23,5,70,75,1949,female,never_smoker,18.4,66,114,NY,USA,married,high_school,white_collar,198208.58,0.7218,non_med_guaranteed,136,87,227,43,5.28,91,5.2,False,60.2,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-168,2.25,term_life,2000000,monthly,27120.62,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.031554,0.108381,SOA_2015_VBT,SOA_Scale_MP2023,2.279,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039443,0.008,False,,1.0,False,,,,0.07,0.0786,False,normal_rate,2.35,1.91,False,False,False,False,False,0.926,21.9,18.7,standard_longevity,51.4,baseline,0.959,0.903,True,65.1,False,,2000000.0,193994.48,194017.13,202862.24,54349.72,False,0,2.98,-9.15
LI-2024-INS004-002809,2002-04-06,22,51,73,1951,female,never_smoker,24.1,62,131,NC,USA,divorced,some_college,professional,22962.56,0.726,full_paramedical,127,83,202,52,3.88,91,5.0,False,88.7,,False,True,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-239,2.0,term_life,500000,semi_annual,6667.52,30.0,none,,,,False,none,independent_broker,False,False,False,0.025443,0.079924,SOA_2015_VBT,SOA_Scale_MP2023,2.241,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025443,0.012,False,,1.0,False,,,,0.03,0.0336,False,normal_rate,3.99,2.24,False,False,False,False,False,0.79,41.5,19.5,standard_longevity,52.6,baseline,0.956,0.714,False,,False,,500000.0,56783.99,53448.12,52006.66,12934.99,False,0,1.71,-3.18
LI-2024-INS004-002810,2002-01-02,23,71,94,1931,male,former_smoker,28.9,63,163,MO,USA,married,bachelors,white_collar,20000.0,0.4726,non_med_guaranteed,138,91,221,43,5.14,90,4.8,False,63.9,8.05,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-494,2.0,term_life,2000000,quarterly,32400.57,20.0,none,,,,True,none,captive_agent,False,False,False,0.246038,0.817347,SOA_2015_VBT,SOA_Scale_MP2023,2.027,cancer,True,2010-05-05,False,False,397885.7,0.0007,5e-05,1.095,0.246038,0.005,False,,1.0,False,,,,0.03,0.0397,False,normal_rate,2.66,0.62,False,False,False,False,False,0.935,12.9,1.0,sub_standard_longevity,21.1,baseline,1.146,0.41,True,43.6,False,,2000000.0,12156.3,13177.57,12960.23,110809.95,False,0,0.72,-6.76
LI-2024-INS004-002811,2001-12-14,13,42,55,1959,male,never_smoker,29.7,69,200,KY,USA,single,bachelors,light_blue_collar,134583.0,0.8705,full_paramedical,133,80,217,71,3.06,89,5.3,False,,2.0,False,True,False,False,True,colorectal,4.9,none,none,schizophrenia,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,37,UW-162,2.25,term_life,250000,quarterly,2424.58,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.007465,0.024052,SOA_2015_VBT,SOA_Scale_MP2023,2.328,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009331,0.012,False,,1.0,False,,,,0.03,0.0422,False,normal_rate,2.04,1.54,False,False,False,False,False,0.852,48.3,35.3,preferred_longevity,78.5,baseline,0.847,0.977,False,,False,,250000.0,21147.9,19784.46,19396.64,4606.7,False,0,3.13,-11.76
LI-2024-INS004-002812,2008-06-24,11,67,78,1941,female,never_smoker,20.8,64,121,CA,USA,married,bachelors,professional,52120.28,0.6043,full_paramedical,148,95,198,58,3.41,106,,False,51.6,,False,False,True,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,30,UW-364,1.5,whole_life,500000,monthly,5407.52,,none,5185.25,,,False,none,worksite,False,False,False,0.038438,0.087339,SOA_2015_VBT,SOA_Scale_MP2023,1.693,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019219,0.008,False,,1.0,False,,,,0.015,0.0182,False,normal_rate,4.86,0.98,False,False,False,False,False,0.807,26.2,15.2,standard_longevity,54.4,baseline,1.047,0.808,False,,False,,494814.75,30482.09,33904.99,32877.72,12350.78,False,0,5.7,4.03
LI-2024-INS004-002813,2015-12-24,1,62,63,1953,female,current_smoker,25.6,71,183,RI,USA,married,high_school,professional,51063.73,0.6953,full_paramedical,143,76,205,47,4.36,114,,True,89.3,,False,False,False,False,False,none,,none,mild_gold_1,depression,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-126,2.0,indexed_ul,100000,monthly,1090.93,,10yr_declining,717.12,,,False,none,captive_agent,False,False,False,0.021845,0.065816,SOA_2015_VBT,SOA_Scale_MP2023,2.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021845,0.012,False,,1.0,False,,,,0.11,0.0566,False,normal_rate,4.69,1.55,False,False,False,False,False,0.786,30.7,29.7,preferred_longevity,67.5,baseline,0.979,0.702,False,,False,,99282.88,8201.3,7484.24,8727.44,2072.77,False,0,2.14,-5.17
LI-2024-INS004-002814,2021-04-01,2,66,68,1955,male,former_smoker,28.1,75,225,PA,USA,married,bachelors,professional,43821.96,0.8217,full_paramedical,112,67,211,53,3.98,73,,False,88.3,7.04,False,False,True,False,False,none,,none,none,bipolar,1,False,True,False,True,True,substandard_table_4,,4.0,False,False,False,False,23,UW-140,2.0,term_life,100000,monthly,1037.97,15.0,none,,,,False,none,captive_agent,False,False,False,0.028043,0.084345,SOA_2015_VBT,SOA_Scale_MP2023,2.175,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028043,0.012,True,0.0024,1.0,False,,,,0.07,0.073,False,normal_rate,4.18,1.29,False,False,False,False,False,0.798,26.5,27.0,preferred_longevity,75.3,baseline,0.884,0.826,True,64.4,False,,100000.0,7646.23,8386.07,8303.76,1972.14,False,0,0.33,1.23
LI-2024-INS004-002815,2012-11-06,2,79,81,1933,female,never_smoker,28.7,71,205,NJ,USA,married,bachelors,professional,29100.7,0.5932,accelerated_UW,138,87,244,37,6.59,92,5.1,False,77.4,,False,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,33,UW-434,2.25,annuity_deferred,1000000,annual,13824.01,,none,9399.32,,,True,quota_share,worksite,False,False,False,0.051508,0.200195,SOA_2015_VBT,SOA_Scale_MP2023,2.499,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064385,0.005,False,,1.0,False,,,,0.04,0.049,False,normal_rate,4.95,1.51,False,False,False,False,False,0.865,12.7,10.7,standard_longevity,47.4,baseline,1.055,0.607,False,,False,,990600.68,63263.39,51903.9,59166.76,36550.68,False,0,-2.36,-11.02
LI-2024-INS004-002816,2015-03-19,2,48,50,1967,male,never_smoker,24.6,73,186,AR,USA,married,some_college,professional,21984.93,0.3413,full_paramedical,118,77,211,58,3.64,70,,False,69.5,1.78,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-126,2.25,whole_life,1000000,monthly,10521.88,,none,7375.01,,,True,excess_of_loss,employer_group,False,False,False,0.005359,0.022874,SOA_2015_VBT,SOA_Scale_MP2023,2.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.015,False,,1.0,False,,,,0.04,0.0685,False,normal_rate,3.26,2.0,False,False,False,False,False,0.833,44.6,42.6,super_preferred_longevity,91.5,baseline,1.244,0.408,False,,False,,992624.99,91833.71,87127.74,84175.04,19991.57,False,0,-1.37,-17.72
LI-2024-INS004-002817,2008-12-10,1,71,72,1937,male,never_smoker,34.0,62,185,MS,USA,married,high_school,light_blue_collar,20000.0,0.1431,full_paramedical,133,68,198,48,4.12,119,5.6,False,69.5,1.6,False,False,False,False,False,none,,none,none,substance_use_disorder,11,False,False,False,False,False,standard,,,False,True,False,False,18,UW-202,1.0,universal_life,1000000,monthly,5947.15,,10yr_declining,3491.72,,,True,none,independent_broker,False,False,False,0.02999,0.044105,SOA_2015_VBT,SOA_Scale_MP2023,1.056,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.12,0.1199,False,normal_rate,6.36,2.26,False,False,False,False,False,0.857,12.5,12.5,sub_standard_longevity,33.4,baseline,1.393,0.097,True,59.7,False,,996508.28,31065.92,30283.26,29735.75,14867.87,False,0,4.31,22.81
LI-2024-INS004-002818,2005-01-02,16,35,51,1970,male,former_smoker,36.5,66,225,SC,USA,married,high_school,white_collar,58030.8,0.7234,full_paramedical,136,79,221,55,4.02,95,5.3,False,83.0,1.35,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,standard,,,False,True,False,False,31,UW-241,1.0,term_life,100000,monthly,416.14,20.0,none,,,,True,none,captive_agent,False,False,False,0.007541,0.007733,SOA_2015_VBT,SOA_Scale_MP2023,1.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0336,False,normal_rate,3.39,2.54,False,False,False,False,False,0.845,56.8,40.8,super_preferred_longevity,84.6,baseline,0.957,0.579,False,,False,,100000.0,3154.31,3059.41,3329.12,790.67,False,0,2.07,16.11
LI-2024-INS004-002819,2001-10-16,21,63,84,1938,male,never_smoker,17.3,67,110,ID,USA,single,high_school,professional,66342.67,0.7439,full_paramedical,139,86,211,64,3.3,80,,False,57.0,7.52,False,False,True,False,False,none,,none,none,anxiety,9,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-103,1.25,group_life,500000,quarterly,3825.86,,none,,,,False,none,bank,False,False,False,0.085462,0.139959,SOA_2015_VBT,SOA_Scale_MP2023,1.473,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021366,0.005,False,,1.0,False,,,,0.1,0.1105,False,normal_rate,3.03,1.87,False,False,False,False,False,0.832,26.1,5.1,standard_longevity,41.3,baseline,0.942,0.989,False,,False,,500000.0,7729.59,7274.9,7804.75,11829.56,False,0,4.08,7.39
LI-2024-INS004-002820,2016-08-07,8,63,71,1953,female,never_smoker,18.8,68,123,ND,USA,single,some_college,hazardous,30267.46,0.7566,full_paramedical,103,60,206,61,3.38,99,,False,76.2,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,4.08,1.0,True,False,False,False,19,UW-202,1.25,term_life,2000000,semi_annual,12968.75,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.021885,0.032697,SOA_2015_VBT,SOA_Scale_MP2023,1.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005471,0.012,False,,1.0,False,,,,0.05,0.0547,False,normal_rate,4.24,0.61,False,False,False,False,False,0.808,29.9,27.1,preferred_longevity,64.5,baseline,0.933,0.736,True,96.9,False,,2000000.0,107685.03,92499.91,103750.0,24640.62,False,0,-1.21,17.32
LI-2024-INS004-002821,2003-12-20,4,48,52,1955,male,never_smoker,30.1,62,164,WV,USA,married,graduate,hazardous,37971.15,0.468,full_paramedical,127,69,258,34,7.59,87,5.3,False,85.6,2.82,True,False,True,False,False,none,,none,none,depression,7,False,False,False,False,False,substandard_table_2,3.14,2.0,True,False,False,False,24,UW-248,1.5,term_life,2000000,annual,14361.81,15.0,none,,,,True,excess_of_loss,bank,False,False,False,0.00557,0.013414,SOA_2015_VBT,SOA_Scale_MP2023,1.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002785,0.012,False,,1.0,True,2026-02-20,non_payment,4.0,0.07,0.0928,False,normal_rate,1.85,1.36,False,False,False,False,False,0.987,43.1,39.1,super_preferred_longevity,88.2,baseline,1.149,0.487,False,,False,,2000000.0,108777.65,111365.46,114894.48,27287.44,False,0,7.18,5.64
LI-2024-INS004-002822,2013-01-06,6,63,69,1950,male,current_smoker,17.9,73,135,CO,USA,single,high_school,professional,22009.3,0.5315,accelerated_UW,133,95,183,62,2.95,81,5.3,True,84.8,3.03,False,False,True,False,False,none,,none,mild_gold_1,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,8,UW-149,2.0,indexed_ul,250000,monthly,3281.17,,15yr_declining,2480.72,,,False,none,captive_agent,False,False,False,0.044314,0.149297,SOA_2015_VBT,SOA_Scale_MP2023,2.151,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044314,0.012,False,,1.0,False,,,,0.06,0.0344,False,normal_rate,2.9,1.69,False,False,False,False,False,0.843,27.6,21.6,preferred_longevity,62.9,baseline,1.101,0.628,False,,False,,247519.28,28087.04,27103.13,26249.36,6234.22,False,0,2.07,-12.85
LI-2024-INS004-002823,2013-11-07,8,38,46,1975,male,never_smoker,23.4,73,177,ND,USA,married,graduate,professional,90915.64,0.4371,accelerated_UW,132,81,201,61,3.3,91,4.6,False,80.1,0.54,True,False,True,False,False,none,,none,none,none,9,False,False,False,False,False,preferred_plus,,,False,False,False,True,10,UW-017,0.68,term_life,5000000,quarterly,12700.55,30.0,none,,,,True,none,independent_broker,False,False,False,0.003943,0.003009,SOA_2015_VBT,SOA_Scale_MP2023,0.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0675,False,normal_rate,4.44,1.95,False,False,False,False,False,0.859,56.4,48.4,super_preferred_longevity,100.0,baseline,1.172,0.387,False,,False,,5000000.0,93932.86,95360.61,101604.4,24131.04,False,0,6.34,35.83
LI-2024-INS004-002824,2006-01-03,3,42,45,1964,female,former_smoker,29.2,69,197,SC,USA,married,some_college,white_collar,235517.88,0.8415,accelerated_UW,137,94,163,50,3.26,117,5.5,False,,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,19,UW-344,1.5,whole_life,1000000,quarterly,5547.99,,none,3612.38,,,True,quota_share,direct_to_consumer,False,False,False,0.003752,0.007417,SOA_2015_VBT,SOA_Scale_MP2023,1.7,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001876,0.015,False,,1.0,True,2026-02-23,voluntary_surrender,3.0,0.04,0.2656,False,normal_rate,4.79,2.03,False,True,False,True,False,0.961,53.2,50.2,super_preferred_longevity,100.0,baseline,0.869,0.904,False,,False,,996387.62,46676.99,38002.27,44383.92,10541.18,False,0,1.58,3.12
LI-2024-INS004-002825,2003-11-06,8,80,88,1923,male,never_smoker,34.9,66,216,OH,USA,married,bachelors,white_collar,296322.03,0.3646,full_paramedical,125,81,193,52,3.71,127,5.5,False,85.8,11.4,True,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-012,1.25,universal_life,500000,annual,4763.77,,15yr_declining,3996.44,,,True,none,employer_group,False,False,False,0.082715,0.1548,SOA_2015_VBT,SOA_Scale_MP2023,1.322,respiratory,True,2009-09-19,False,False,1120983.17,0.0007,5e-05,1.095,0.020679,0.012,False,,1.0,False,,,,0.06,0.0456,False,normal_rate,3.94,0.6,False,False,False,False,False,0.926,5.0,1.0,sub_standard_longevity,19.5,baseline,1.227,0.368,False,,False,,496003.56,1959.9,1857.06,1905.51,16292.09,False,0,3.95,10.69
LI-2024-INS004-002826,2010-05-26,10,46,56,1964,male,never_smoker,30.0,68,197,AK,USA,single,some_college,white_collar,70902.58,0.6245,non_med_guaranteed,140,81,246,42,5.86,90,5.4,False,81.9,5.2,False,False,False,False,False,none,,none,none,substance_use_disorder,13,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-243,2.25,universal_life,2000000,quarterly,20214.11,,10yr_declining,19113.15,,,True,none,employer_group,False,False,False,0.008588,0.031421,SOA_2015_VBT,SOA_Scale_MP2023,2.335,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010735,0.015,False,,1.0,False,,,,0.06,0.0389,False,normal_rate,3.25,0.52,False,False,False,False,False,0.838,44.3,38.9,super_preferred_longevity,80.2,baseline,1.032,0.589,True,72.5,False,,1980886.85,166574.32,139667.42,161712.88,38406.81,False,0,3.1,-13.91
LI-2024-INS004-002827,2024-08-17,2,29,31,1995,female,never_smoker,31.1,61,164,WV,USA,married,graduate,white_collar,38131.99,0.5352,limited_exam,126,85,220,37,5.95,88,5.3,False,96.2,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-059,2.25,whole_life,1000000,monthly,5125.35,,none,3469.31,,,True,none,employer_group,False,False,False,0.001226,0.004864,SOA_2015_VBT,SOA_Scale_MP2023,2.474,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001532,0.022,False,,1.0,False,,,,0.04,0.061,False,normal_rate,2.49,2.14,True,False,False,False,False,0.811,70.0,55.0,super_preferred_longevity,100.0,baseline,1.099,0.378,False,,False,,996530.69,39571.44,38388.93,41002.8,9738.17,False,0,-3.18,-11.88
LI-2024-INS004-002828,2002-02-02,9,49,58,1953,female,current_smoker,33.6,60,171,MS,USA,married,some_college,light_blue_collar,45669.39,0.4937,simplified_issue,112,71,232,50,4.64,121,5.6,True,64.1,,False,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,12,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,26,UW-078,2.75,whole_life,1000000,monthly,14933.05,,none,12783.15,,,True,facultative,employer_group,False,False,False,0.014267,0.07087,SOA_2015_VBT,SOA_Scale_MP2023,2.848,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024967,0.012,False,,1.0,False,,,,0.02,0.0313,False,normal_rate,3.96,1.99,False,False,False,False,False,0.958,42.9,33.9,preferred_longevity,70.8,baseline,1.13,0.506,False,,False,,987216.85,115755.3,101908.12,119464.4,28372.79,False,0,-0.94,-20.0
LI-2024-INS004-002829,2024-12-21,2,29,31,1995,male,never_smoker,32.1,62,175,GA,USA,married,less_than_hs,white_collar,94640.26,0.3086,limited_exam,130,79,241,46,5.24,116,4.8,False,73.0,,False,False,False,True,False,none,,none,none,anxiety,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-376,2.5,term_life,250000,annual,1850.43,20.0,none,,,,False,none,captive_agent,False,False,False,0.001532,0.007581,SOA_2015_VBT,SOA_Scale_MP2023,2.718,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002298,0.022,False,,1.0,False,,,,0.07,0.1017,False,normal_rate,3.98,2.04,False,False,False,False,False,0.95,65.2,55.0,super_preferred_longevity,99.6,baseline,1.269,0.315,False,,False,,250000.0,14761.89,14220.96,14803.44,3515.82,False,0,-3.06,-20.0
LI-2024-INS004-002830,2017-01-07,6,37,43,1980,male,never_smoker,25.2,70,175,NY,USA,single,high_school,light_blue_collar,337930.19,0.8024,accelerated_UW,124,72,204,47,4.34,93,5.2,False,73.8,1.48,False,False,False,False,False,none,,none,none,anxiety,7,True,False,False,False,False,preferred_plus,4.83,,True,False,False,True,10,UW-389,0.57,universal_life,100000,annual,180.87,,10yr_declining,147.64,,,False,none,captive_agent,True,False,False,0.003171,0.001575,SOA_2015_VBT,SOA_Scale_MP2023,0.553,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.0286,False,normal_rate,4.06,1.42,False,False,False,False,False,0.821,56.8,50.8,super_preferred_longevity,100.0,baseline,0.898,0.763,False,,False,,99852.36,1332.17,1319.62,1446.96,343.65,False,0,2.14,30.68
LI-2024-INS004-002831,2023-10-12,2,72,74,1951,female,former_smoker,28.9,71,207,CA,USA,single,high_school,light_blue_collar,106667.57,0.3133,limited_exam,162,108,213,55,3.87,109,4.9,False,81.3,,True,False,True,False,True,breast,7.0,none,none,none,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,40,UW-388,2.0,term_life,1000000,semi_annual,12178.81,25.0,none,,,,True,quota_share,bank,False,False,False,0.036097,0.13441,SOA_2015_VBT,SOA_Scale_MP2023,2.153,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036097,0.012,False,,1.0,True,2025-11-19,voluntary_surrender,2.0,0.07,0.1015,False,normal_rate,2.75,2.61,False,False,False,False,False,0.907,21.9,19.9,standard_longevity,57.0,baseline,1.265,0.341,False,,False,,1000000.0,87789.96,101571.46,96943.33,23237.17,False,0,1.72,-7.98
LI-2024-INS004-002832,2006-11-14,10,62,72,1944,female,never_smoker,29.5,67,188,OR,USA,single,bachelors,white_collar,39162.53,0.3993,full_paramedical,142,84,227,40,5.67,93,5.3,False,52.2,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-482,1.25,term_life,500000,monthly,4050.49,15.0,none,,,,False,none,bank,False,False,False,0.023322,0.042312,SOA_2015_VBT,SOA_Scale_MP2023,1.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00583,0.008,False,,1.0,False,,,,0.05,0.069,False,normal_rate,5.58,1.22,False,False,False,False,False,0.842,27.8,17.8,standard_longevity,45.2,baseline,1.201,0.245,False,,False,,500000.0,26019.35,27229.62,28839.49,8408.82,False,0,4.19,9.06
LI-2024-INS004-002833,2010-10-01,9,28,37,1982,male,never_smoker,25.3,69,171,TN,USA,married,some_college,white_collar,36569.87,0.4622,full_paramedical,109,72,260,72,3.61,80,,False,94.5,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,19,UW-156,0.6,whole_life,500000,annual,1056.92,,none,878.49,,,False,none,captive_agent,False,False,False,0.002134,0.001484,SOA_2015_VBT,SOA_Scale_MP2023,0.603,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0266,False,normal_rate,4.44,2.26,False,False,False,False,False,0.985,64.7,55.0,super_preferred_longevity,100.0,baseline,1.153,0.552,False,,False,,499121.51,8171.08,8815.08,8455.36,2008.15,False,0,8.68,38.14
LI-2024-INS004-002834,2011-07-14,13,54,67,1957,male,never_smoker,19.1,67,121,NE,USA,married,some_college,professional,50703.14,0.6031,limited_exam,143,86,233,81,2.88,99,5.6,False,91.3,5.22,False,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-471,1.25,universal_life,1000000,annual,7820.65,,10yr_declining,8002.7,,,True,none,direct_to_consumer,False,False,False,0.020257,0.036006,SOA_2015_VBT,SOA_Scale_MP2023,1.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005064,0.012,False,,1.0,False,,,,0.04,0.0682,False,normal_rate,3.02,1.6,False,False,False,False,False,0.854,34.9,21.9,standard_longevity,54.4,baseline,1.048,0.502,False,,False,,991997.3,57255.9,53548.86,62565.2,14859.23,False,0,-0.22,11.53
LI-2024-INS004-002835,2003-10-10,16,39,55,1964,female,never_smoker,34.7,71,249,OR,USA,single,some_college,light_blue_collar,30163.5,0.7027,non_med_guaranteed,146,97,245,50,4.9,100,5.5,False,,,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,37,UW-229,2.0,term_life,500000,annual,4698.3,25.0,none,,,,False,none,bank,False,False,False,0.006324,0.018735,SOA_2015_VBT,SOA_Scale_MP2023,2.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006324,0.015,False,,1.0,False,,,,0.03,0.0341,False,normal_rate,3.98,2.57,False,False,False,False,False,0.904,55.6,39.6,super_preferred_longevity,82.4,baseline,0.973,0.664,False,,False,,500000.0,40377.25,37186.09,37586.4,8926.77,False,0,-0.4,-4.68
LI-2024-INS004-002836,2007-08-10,10,43,53,1964,male,never_smoker,22.2,62,121,MA,USA,married,graduate,white_collar,162712.72,0.4723,full_paramedical,127,73,159,44,3.61,85,,True,88.5,6.35,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,14,UW-173,0.64,group_life,500000,monthly,1285.36,,none,,,,False,none,independent_broker,False,False,False,0.013422,0.010688,SOA_2015_VBT,SOA_Scale_MP2023,0.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.12,0.1587,False,normal_rate,2.24,2.54,False,False,False,False,False,0.757,46.7,36.7,preferred_longevity,74.6,baseline,1.146,0.599,False,,False,,500000.0,11041.04,8838.87,10282.88,2442.18,False,0,4.12,20.0
LI-2024-INS004-002837,2000-07-25,24,50,74,1950,male,never_smoker,28.1,62,153,OH,USA,single,high_school,light_blue_collar,35594.85,0.703,full_paramedical,139,82,212,46,4.61,112,,True,66.4,9.26,False,False,True,False,False,none,,none,none,none,2,True,False,False,False,False,substandard_table_1,3.68,1.0,True,False,False,False,19,UW-463,1.25,term_life,1000000,annual,8083.93,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.068584,0.109079,SOA_2015_VBT,SOA_Scale_MP2023,1.378,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017146,0.012,False,,1.0,False,,,,0.03,0.0341,False,normal_rate,5.87,1.82,False,False,False,False,False,0.751,41.3,17.3,standard_longevity,59.0,baseline,0.973,0.517,False,,False,,1000000.0,53056.63,49111.94,55940.8,17105.6,False,0,-2.1,13.04
LI-2024-INS004-002838,2009-04-25,17,23,40,1986,female,never_smoker,23.5,60,120,KY,USA,married,high_school,professional,239991.35,0.6035,full_paramedical,123,80,276,64,4.31,89,5.4,False,106.8,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-170,2.25,whole_life,250000,monthly,2095.61,,none,2585.41,,,False,none,captive_agent,False,False,False,0.002066,0.007774,SOA_2015_VBT,SOA_Scale_MP2023,2.399,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.02,False,,1.0,False,,,,0.015,0.0183,False,normal_rate,4.25,2.85,False,False,False,False,False,0.915,70.0,55.2,super_preferred_longevity,100.0,baseline,1.047,0.819,True,46.8,False,,247414.59,15207.91,14673.7,16764.88,3981.66,False,0,2.07,-5.95
LI-2024-INS004-002839,2014-06-19,2,43,45,1971,male,former_smoker,23.6,74,183,IL,USA,single,high_school,light_blue_collar,20000.0,0.2143,full_paramedical,118,80,210,33,6.36,90,4.8,False,97.5,2.81,False,True,False,False,False,none,,none,none,schizophrenia,5,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,36,UW-080,2.25,universal_life,500000,monthly,3802.15,,15yr_declining,2456.93,,,True,none,employer_group,True,False,False,0.004761,0.020431,SOA_2015_VBT,SOA_Scale_MP2023,2.271,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005951,0.018,False,,1.0,False,,,,0.08,0.0924,False,normal_rate,0.84,1.34,False,False,False,False,True,0.941,46.9,44.9,super_preferred_longevity,83.1,baseline,1.339,0.159,False,,False,,497543.07,28728.67,30750.53,30417.2,7224.08,False,0,1.76,-17.04
LI-2024-INS004-002840,2012-04-02,15,19,34,1993,female,former_smoker,31.1,63,175,MN,USA,married,graduate,white_collar,78015.39,0.5988,limited_exam,119,76,226,44,5.14,104,5.1,False,,,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-319,1.25,term_life,500000,monthly,1712.23,25.0,none,,,,False,none,captive_agent,False,False,False,0.001864,0.003299,SOA_2015_VBT,SOA_Scale_MP2023,1.446,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000466,0.022,False,,1.0,False,,,,0.03,0.0366,False,normal_rate,2.54,2.86,False,False,False,False,False,0.79,70.0,55.0,super_preferred_longevity,100.0,baseline,1.051,0.479,False,,False,,500000.0,14223.23,12344.73,13697.84,3253.24,False,0,5.52,10.44
LI-2024-INS004-002841,2017-02-15,7,56,63,1961,female,never_smoker,22.7,70,158,AL,USA,married,graduate,white_collar,81997.63,0.6705,full_paramedical,128,80,199,60,3.32,97,5.3,False,89.5,,False,False,False,False,False,none,,none,none,bipolar,25,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-488,2.0,group_life,500000,quarterly,5649.21,,none,,,,False,none,independent_broker,False,False,False,0.011885,0.038217,SOA_2015_VBT,SOA_Scale_MP2023,2.222,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011885,0.015,False,,1.0,False,,,,0.12,0.1396,False,normal_rate,4.73,2.05,False,False,False,False,False,0.776,38.0,33.1,preferred_longevity,72.2,baseline,0.997,0.572,True,54.1,False,,500000.0,42014.84,46593.22,45193.68,10733.5,False,0,0.34,-4.69
LI-2024-INS004-002842,2014-07-10,10,38,48,1976,male,former_smoker,31.1,71,222,TX,USA,married,high_school,professional,75375.71,0.8655,simplified_issue,117,65,218,59,3.69,78,5.4,False,76.1,1.01,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-204,2.25,whole_life,2000000,monthly,16788.47,,none,16064.55,,,True,excess_of_loss,captive_agent,False,False,False,0.005964,0.019055,SOA_2015_VBT,SOA_Scale_MP2023,2.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007455,0.018,False,,1.0,False,,,,0.02,0.0202,False,normal_rate,4.62,1.36,False,False,False,False,False,0.847,55.3,45.3,super_preferred_longevity,93.4,baseline,0.851,0.874,False,,False,,1983935.45,125667.61,115908.0,134307.76,31898.09,False,0,1.86,-4.4
LI-2024-INS004-002843,2016-10-22,10,49,59,1967,female,never_smoker,20.5,62,112,NJ,USA,divorced,bachelors,white_collar,56740.31,0.2872,full_paramedical,118,82,214,68,3.15,75,,False,76.5,,False,False,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,62,UW-026,1.25,whole_life,250000,annual,1618.75,,none,1487.3,,,False,none,bank,False,False,False,0.008972,0.01726,SOA_2015_VBT,SOA_Scale_MP2023,1.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002243,0.015,False,,1.0,False,,,,0.02,0.0294,False,normal_rate,2.35,0.72,False,False,False,False,False,0.785,44.4,34.4,preferred_longevity,68.4,baseline,1.285,0.217,False,,False,,248512.7,11841.5,12728.26,12950.0,3075.62,False,0,1.32,2.12
LI-2024-INS004-002844,2010-11-17,14,59,73,1951,female,never_smoker,32.1,69,217,AR,USA,married,high_school,light_blue_collar,176168.56,0.9306,full_paramedical,160,91,225,50,4.5,97,4.7,False,84.1,,True,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-379,1.5,term_life,2000000,monthly,20826.48,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.025443,0.047862,SOA_2015_VBT,SOA_Scale_MP2023,1.722,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012722,0.012,False,,1.0,False,,,,0.03,0.0287,False,normal_rate,1.68,2.25,False,False,False,False,False,0.839,34.3,18.0,standard_longevity,53.5,baseline,0.802,1.0,False,,True,-1.535,2000000.0,164792.24,151053.12,149950.66,42902.55,False,0,1.93,16.81
LI-2024-INS004-002845,2009-12-19,7,80,87,1929,male,never_smoker,17.4,70,121,OK,USA,married,some_college,heavy_blue_collar,156819.18,0.6145,full_paramedical,139,94,225,61,3.69,83,,False,71.1,4.35,False,False,True,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,1.03,5.0,False,False,False,False,19,UW-379,2.25,term_life,250000,annual,3638.47,30.0,none,,,,True,facultative,captive_agent,False,False,False,0.081757,0.30813,SOA_2015_VBT,SOA_Scale_MP2023,2.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.102197,0.012,False,,1.0,False,,,,0.05,0.0604,False,normal_rate,4.47,1.59,False,False,False,False,False,0.96,7.8,1.1,sub_standard_longevity,33.4,baseline,1.039,0.732,True,60.2,False,,250000.0,1553.01,1551.58,1600.93,12414.46,False,0,-0.1,-10.88
LI-2024-INS004-002846,2005-08-23,20,21,41,1984,female,former_smoker,23.9,60,122,LA,USA,divorced,some_college,heavy_blue_collar,150359.6,0.8352,non_med_guaranteed,140,89,159,35,4.54,111,,False,,,False,False,False,False,False,none,,none,none,anxiety,6,False,False,True,False,True,substandard_table_1,1.04,1.0,False,False,False,False,53,UW-118,1.25,term_life,500000,quarterly,2178.3,15.0,none,,,,False,none,employer_group,False,False,False,0.002872,0.004459,SOA_2015_VBT,SOA_Scale_MP2023,1.491,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000718,0.02,False,,1.0,False,,,,0.03,0.0371,False,normal_rate,4.68,2.53,False,False,False,False,False,0.877,70.0,48.6,super_preferred_longevity,97.9,baseline,0.874,0.777,False,,True,-0.939,500000.0,16842.76,17018.76,17426.4,4138.77,False,0,2.06,19.49
LI-2024-INS004-002847,2023-11-05,2,64,66,1959,male,never_smoker,23.2,64,135,PA,USA,divorced,bachelors,light_blue_collar,215585.05,0.4794,limited_exam,127,75,207,45,4.6,90,5.7,False,,3.53,True,False,False,False,True,prostate,0.9,none,none,schizophrenia,1,False,False,False,True,True,standard,,,False,True,False,False,47,UW-194,1.0,indexed_ul,500000,annual,2405.46,,10yr_declining,1542.76,,,False,none,independent_broker,False,False,False,0.019025,0.023346,SOA_2015_VBT,SOA_Scale_MP2023,1.076,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0474,False,normal_rate,5.84,0.59,False,False,False,False,False,0.796,24.7,26.8,standard_longevity,59.9,baseline,1.14,0.43,True,83.9,False,,498457.24,18262.84,19789.61,19243.68,4570.37,False,0,6.54,12.41
LI-2024-INS004-002848,2004-01-17,20,51,71,1953,female,never_smoker,30.2,60,154,NH,USA,married,less_than_hs,white_collar,23764.08,0.2824,full_paramedical,138,82,237,32,7.41,111,5.3,False,64.6,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-154,1.5,whole_life,250000,quarterly,2486.11,,none,3493.25,,,False,none,independent_broker,False,True,False,0.021885,0.057517,SOA_2015_VBT,SOA_Scale_MP2023,1.652,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010943,0.012,False,,1.0,False,,,,0.015,0.0221,False,normal_rate,6.57,0.71,False,False,False,False,False,0.754,40.0,20.0,standard_longevity,46.7,baseline,1.288,0.244,False,,False,,246506.75,18268.32,17210.57,19888.88,4723.61,False,0,0.28,9.68
LI-2024-INS004-002849,2014-12-03,8,56,64,1958,female,never_smoker,30.2,68,198,MN,USA,single,bachelors,white_collar,34595.48,0.1996,full_paramedical,122,71,176,50,3.52,105,5.3,False,77.9,,False,False,False,True,True,breast,4.6,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,25,UW-214,2.5,term_life,500000,monthly,7497.77,25.0,none,,,,False,none,captive_agent,True,False,False,0.012647,0.062892,SOA_2015_VBT,SOA_Scale_MP2023,2.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01897,0.012,False,,1.0,False,,,,0.05,0.077,False,normal_rate,2.82,1.56,False,False,False,False,False,0.768,35.5,27.5,standard_longevity,56.7,baseline,1.35,0.194,False,,False,,500000.0,64563.94,58996.65,59982.16,14245.76,False,0,-0.07,-20.0
LI-2024-INS004-002850,2019-11-25,3,39,42,1980,female,never_smoker,36.5,66,225,CA,USA,married,some_college,heavy_blue_collar,289565.87,0.5686,accelerated_UW,129,86,216,46,4.7,96,4.7,False,,,False,True,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,1.42,1.0,False,False,False,True,29,UW-412,1.25,whole_life,500000,semi_annual,2078.9,,none,1320.51,,,False,none,bank,False,False,False,0.002366,0.004165,SOA_2015_VBT,SOA_Scale_MP2023,1.407,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000591,0.02,False,,1.0,False,,,,0.04,0.0498,False,normal_rate,4.86,2.28,False,False,False,False,False,0.895,57.9,54.9,super_preferred_longevity,100.0,baseline,1.074,0.758,False,,False,,498679.49,15286.87,15555.0,16631.2,3949.91,False,0,1.89,5.54
LI-2024-INS004-002851,2011-08-23,13,41,54,1970,female,never_smoker,15.8,68,103,SD,USA,divorced,some_college,white_collar,89184.45,0.7437,accelerated_UW,120,70,198,59,3.36,96,,False,107.5,,False,False,False,False,True,melanoma,12.5,none,none,bipolar,1,True,False,False,True,True,declined,,,True,False,True,True,20,UW-091,7.0,term_life,500000,monthly,17823.11,30.0,none,,,,False,none,independent_broker,False,False,False,0.005914,0.069972,SOA_2015_VBT,SOA_Scale_MP2023,6.19,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035481,0.018,False,,1.0,False,,,,0.03,0.0332,False,normal_rate,5.37,1.79,False,False,False,False,False,0.829,54.9,41.9,super_preferred_longevity,86.5,baseline,0.942,0.97,False,,False,,500000.0,151679.37,145120.54,142584.88,33863.91,False,0,-5.0,-20.0
LI-2024-INS004-002852,2003-10-27,1,59,60,1944,female,never_smoker,27.9,58,133,WI,USA,married,bachelors,white_collar,80629.3,0.4472,full_paramedical,129,73,212,41,5.17,94,,False,59.3,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-325,2.25,whole_life,250000,semi_annual,2794.21,,none,1865.6,,,False,none,captive_agent,True,False,False,0.00825,0.033075,SOA_2015_VBT,SOA_Scale_MP2023,2.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010313,0.008,False,,1.0,False,,,,0.06,0.0805,False,normal_rate,2.19,1.61,False,False,False,False,False,0.826,31.0,30.0,preferred_longevity,64.2,baseline,1.165,0.452,False,,False,,248134.4,20685.83,19952.41,22353.68,5309.0,False,0,-0.25,-14.86
LI-2024-INS004-002853,2017-03-11,6,69,75,1948,male,never_smoker,29.1,66,180,AR,USA,divorced,high_school,professional,80852.42,0.5071,full_paramedical,133,84,221,39,5.67,86,,False,,14.09,True,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,25,UW-265,1.0,universal_life,1000000,monthly,5471.46,,10yr_declining,4364.59,,,True,quota_share,captive_agent,False,False,False,0.039127,0.043853,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.1262,False,normal_rate,4.36,1.95,False,False,False,True,False,0.791,17.9,11.9,standard_longevity,38.0,baseline,1.12,0.592,False,,False,,995635.41,25714.11,24805.33,26044.15,13941.28,False,0,4.01,17.17
LI-2024-INS004-002854,2002-03-03,10,22,32,1980,male,current_smoker,30.2,67,192,KY,USA,divorced,high_school,professional,51660.32,0.6122,full_paramedical,112,81,197,63,3.13,103,5.3,True,98.7,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,3,UW-403,2.5,term_life,1000000,monthly,6552.05,15.0,none,,,,True,facultative,employer_group,False,False,False,0.003222,0.013601,SOA_2015_VBT,SOA_Scale_MP2023,2.614,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004834,0.02,False,,1.0,False,,,,0.05,0.0726,False,normal_rate,3.53,0.98,False,False,False,False,False,0.88,70.0,55.0,super_preferred_longevity,100.0,baseline,1.041,0.62,False,,False,,1000000.0,53735.84,47331.97,52416.4,12448.89,False,0,0.3,-19.65
LI-2024-INS004-002855,2006-05-28,12,33,45,1973,male,never_smoker,27.6,69,187,TN,USA,married,high_school,hazardous,66059.1,0.8788,limited_exam,85,50,191,63,3.03,102,4.9,False,,3.2,False,False,True,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,4.08,4.0,True,False,False,False,28,UW-008,2.0,indexed_ul,2000000,quarterly,16099.45,,10yr_declining,15339.06,,,True,excess_of_loss,independent_broker,False,False,False,0.003662,0.010271,SOA_2015_VBT,SOA_Scale_MP2023,2.146,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.018,False,,1.0,False,,,,0.04,0.0399,False,normal_rate,2.86,2.65,False,False,False,False,False,0.79,62.9,53.7,super_preferred_longevity,100.0,baseline,0.841,0.939,True,50.8,False,,1984660.94,137078.07,129455.54,128795.6,30588.96,False,0,3.63,-7.13
LI-2024-INS004-002856,2001-02-04,21,45,66,1956,male,never_smoker,31.6,73,239,OK,USA,married,some_college,professional,20000.0,0.4177,limited_exam,137,77,170,49,3.47,87,5.2,False,68.2,6.64,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-297,1.25,term_life,1000000,monthly,6690.22,15.0,none,,,,True,quota_share,independent_broker,False,False,False,0.018348,0.033199,SOA_2015_VBT,SOA_Scale_MP2023,1.314,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004587,0.012,False,,1.0,False,,,,0.03,0.041,False,normal_rate,4.39,1.73,False,False,False,False,False,0.962,43.0,22.0,standard_longevity,51.8,baseline,1.187,0.297,False,,False,,1000000.0,51945.94,49089.08,53521.76,12711.42,False,0,0.32,8.06
LI-2024-INS004-002857,2006-03-01,12,59,71,1947,female,never_smoker,30.3,63,171,UT,USA,married,graduate,heavy_blue_collar,66323.69,0.2915,full_paramedical,131,81,259,36,7.19,101,4.8,False,,,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_2,0.8,2.0,False,False,False,False,11,UW-114,1.5,term_life,1000000,monthly,10007.48,20.0,none,,,,True,none,independent_broker,False,False,False,0.021892,0.053865,SOA_2015_VBT,SOA_Scale_MP2023,1.53,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010946,0.008,False,,1.0,False,,,,0.03,0.044,False,normal_rate,4.1,2.51,False,False,False,False,False,0.804,30.9,18.9,standard_longevity,45.2,baseline,1.281,0.255,False,,False,,1000000.0,79723.22,66509.26,75656.55,19894.87,False,0,1.07,-0.22
LI-2024-INS004-002858,2006-05-24,1,77,78,1929,male,never_smoker,33.5,68,220,WA,USA,married,bachelors,professional,26310.04,0.4388,limited_exam,154,92,192,48,4.0,116,5.4,False,78.9,9.07,True,True,False,False,False,none,,none,none,depression,1,True,False,False,False,False,substandard_table_2,3.51,2.0,True,False,False,False,26,UW-334,1.5,universal_life,250000,semi_annual,2787.03,,10yr_declining,1845.27,,,True,excess_of_loss,captive_agent,False,False,False,0.037726,0.086317,SOA_2015_VBT,SOA_Scale_MP2023,1.527,respiratory,True,2006-08-29,True,True,1669497.12,0.0007,5e-05,1.095,0.018863,0.012,False,,1.0,False,,,,0.12,0.0728,False,normal_rate,3.46,0.98,False,False,False,True,False,0.841,7.1,6.1,sub_standard_longevity,28.2,baseline,1.171,0.264,False,,False,,248154.73,7177.88,6189.65,6800.35,8394.54,False,0,1.36,4.47
LI-2024-INS004-002859,2014-02-09,2,42,44,1972,female,never_smoker,35.2,70,245,WA,USA,married,bachelors,light_blue_collar,20678.28,0.4914,full_paramedical,159,110,215,47,4.57,114,5.7,False,88.1,,False,False,False,False,False,none,,pre_diabetes,none,none,4,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,34,UW-060,2.0,term_life,500000,monthly,4074.77,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.002724,0.009534,SOA_2015_VBT,SOA_Scale_MP2023,2.209,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002724,0.018,False,,1.0,False,,,,0.07,0.1281,False,normal_rate,5.13,0.64,False,False,False,False,False,0.973,53.2,51.2,super_preferred_longevity,96.7,baseline,1.131,0.235,False,,False,,500000.0,33078.16,32633.56,32598.16,7742.06,False,0,-3.4,-5.53
LI-2024-INS004-002860,2005-05-15,9,56,65,1949,female,never_smoker,25.4,72,187,TX,USA,married,high_school,professional,122344.79,0.7878,full_paramedical,116,68,268,62,4.32,92,4.6,False,73.2,,False,False,False,False,False,none,,none,none,none,1,False,True,False,False,False,preferred,,,False,False,False,False,20,UW-143,0.77,term_life,2000000,semi_annual,8704.2,10.0,none,,,,True,none,captive_agent,False,False,False,0.013195,0.009201,SOA_2015_VBT,SOA_Scale_MP2023,0.767,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0535,False,normal_rate,5.7,1.44,False,False,False,False,False,0.906,36.1,27.1,preferred_longevity,65.0,baseline,0.909,0.657,False,,False,,2000000.0,74107.05,59371.22,69633.6,16537.98,False,0,5.53,23.05
LI-2024-INS004-002861,2018-04-11,1,67,68,1951,male,former_smoker,24.6,71,176,WV,USA,married,graduate,professional,38336.27,0.7411,limited_exam,111,75,203,57,3.56,97,,False,,2.73,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-123,2.25,universal_life,500000,quarterly,7013.82,,10yr_declining,4608.25,,,False,none,independent_broker,False,False,False,0.026721,0.090166,SOA_2015_VBT,SOA_Scale_MP2023,2.25,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033401,0.012,False,,1.0,False,,,,0.12,0.0598,False,normal_rate,4.93,1.54,False,False,False,False,False,0.87,21.6,20.6,standard_longevity,54.5,baseline,0.944,0.837,False,,False,,495391.75,52158.12,50522.05,56110.56,13326.26,False,0,2.44,-10.37
LI-2024-INS004-002862,2016-05-09,10,45,55,1971,female,former_smoker,25.7,61,136,AK,USA,divorced,bachelors,light_blue_collar,50171.41,0.8629,full_paramedical,121,72,215,54,3.98,104,6.1,False,,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,True,True,standard,,,False,False,False,False,45,UW-208,1.06,annuity_deferred,500000,annual,2633.48,,none,2401.85,,,False,none,independent_broker,False,False,False,0.008346,0.008138,SOA_2015_VBT,SOA_Scale_MP2023,1.073,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000501,0.018,False,,1.0,False,,,,0.02,0.0202,False,normal_rate,3.42,2.9,False,False,False,False,False,0.971,51.5,45.9,super_preferred_longevity,94.3,baseline,0.853,0.849,True,65.6,False,,497598.15,20625.37,18736.12,21067.84,5003.61,False,0,2.5,23.56
LI-2024-INS004-002863,2021-01-07,4,65,69,1956,male,never_smoker,24.4,76,200,IA,USA,single,high_school,professional,83978.46,0.5633,simplified_issue,128,80,250,47,5.32,83,5.3,False,73.3,10.05,True,False,False,False,True,lung,0.2,none,none,none,1,False,False,False,False,True,declined,,,False,False,True,False,46,UW-359,7.0,term_life,2000000,quarterly,83357.98,20.0,none,,,,True,coinsurance,employer_group,False,False,False,0.023822,0.33167,SOA_2015_VBT,SOA_Scale_MP2023,7.156,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.142929,0.012,True,0.00506,1.0,False,,,,0.07,0.1049,False,normal_rate,4.53,0.65,False,False,False,False,False,0.768,23.6,19.6,standard_longevity,50.3,baseline,1.078,0.658,False,,False,,2000000.0,620276.3,567942.67,653526.56,161047.62,False,0,-5.0,-20.0
LI-2024-INS004-002864,2008-10-16,13,68,81,1940,male,never_smoker,31.2,60,159,CA,USA,married,high_school,professional,60093.74,0.257,full_paramedical,147,88,239,65,3.68,104,5.8,False,55.7,4.18,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,28,UW-004,1.0,whole_life,250000,annual,1646.55,,none,1747.55,,,False,none,worksite,False,False,False,0.061835,0.084633,SOA_2015_VBT,SOA_Scale_MP2023,1.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.015,0.0224,False,normal_rate,5.27,2.77,False,False,False,False,False,0.901,16.7,3.7,sub_standard_longevity,21.9,baseline,1.307,0.0,False,,False,,248252.45,2548.23,2329.61,2436.89,5275.55,False,0,0.44,18.37
LI-2024-INS004-002865,2012-09-05,8,64,72,1948,female,never_smoker,33.9,69,229,MT,USA,married,bachelors,light_blue_collar,94051.74,0.7074,full_paramedical,145,87,176,67,2.63,94,5.3,False,,,False,False,False,False,False,none,,none,none,none,14,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-394,1.25,indexed_ul,500000,annual,3348.98,,10yr_declining,2776.5,,,False,none,independent_broker,False,False,False,0.024083,0.037166,SOA_2015_VBT,SOA_Scale_MP2023,1.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006021,0.008,False,,1.0,False,,,,0.06,0.0306,False,normal_rate,2.21,1.4,False,False,False,True,False,0.995,27.7,19.7,standard_longevity,52.7,baseline,0.969,0.902,False,,False,,497223.5,28087.76,25343.97,26389.96,6443.44,False,0,0.82,19.33
LI-2024-INS004-002866,2019-09-01,4,29,33,1990,male,never_smoker,36.6,62,200,HI,USA,divorced,graduate,white_collar,33883.13,0.6587,non_med_guaranteed,118,69,181,38,4.76,145,5.3,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-076,1.25,term_life,1000000,monthly,3598.22,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.001698,0.00288,SOA_2015_VBT,SOA_Scale_MP2023,1.438,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000424,0.022,False,,1.0,True,2025-05-19,unknown,4.0,0.07,0.0821,False,normal_rate,1.85,1.09,False,False,False,False,False,0.922,65.9,55.0,super_preferred_longevity,100.0,baseline,1.006,0.62,False,,False,,1000000.0,28686.7,26148.26,28785.76,6836.62,False,0,4.83,15.03
LI-2024-INS004-002867,2008-03-02,12,30,42,1978,female,never_smoker,31.5,60,161,RI,USA,single,high_school,professional,88268.07,0.9363,full_paramedical,131,78,226,52,4.35,115,,False,94.7,,False,True,False,True,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,48,UW-021,2.5,term_life,1000000,monthly,7762.29,25.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.002366,0.008566,SOA_2015_VBT,SOA_Scale_MP2023,2.659,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003548,0.018,False,,1.0,False,,,,0.03,0.0399,False,normal_rate,1.97,1.83,False,False,False,False,False,0.785,67.9,55.0,super_preferred_longevity,100.0,baseline,0.798,0.836,False,,False,,1000000.0,64282.26,63857.18,62098.32,14748.35,False,0,-1.02,-15.71
LI-2024-INS004-002868,2021-05-18,5,78,83,1943,male,never_smoker,28.7,76,235,WY,USA,married,graduate,light_blue_collar,24574.78,0.1884,full_paramedical,139,92,262,35,7.49,89,5.3,False,68.1,2.89,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-402,1.5,whole_life,500000,monthly,4836.14,,none,3570.77,,,False,none,captive_agent,False,False,False,0.075261,0.20806,SOA_2015_VBT,SOA_Scale_MP2023,1.63,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03763,0.008,True,0.00375,1.0,False,,,,0.04,0.0868,False,normal_rate,1.23,1.58,False,False,False,False,False,0.981,6.8,1.8,sub_standard_longevity,18.0,baseline,1.359,0.093,False,,False,,496429.23,3247.72,3351.94,3482.02,16230.09,False,0,2.62,-2.24
LI-2024-INS004-002869,2018-03-17,1,30,31,1988,female,never_smoker,36.5,62,199,MI,USA,married,less_than_hs,light_blue_collar,52995.8,0.4586,full_paramedical,128,81,163,62,2.63,120,5.3,False,77.9,,True,False,True,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,56,UW-128,1.25,term_life,500000,monthly,1828.19,30.0,none,,,,False,none,captive_agent,False,False,False,0.001226,0.002357,SOA_2015_VBT,SOA_Scale_MP2023,1.447,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000306,0.02,False,,1.0,False,,,,0.1,0.1333,False,normal_rate,4.76,2.32,False,False,False,False,False,0.807,70.0,55.0,super_preferred_longevity,100.0,baseline,1.156,0.495,False,,False,,500000.0,13816.27,13438.29,14625.52,3473.56,False,0,6.1,12.52
LI-2024-INS004-002870,2006-01-28,3,22,25,1984,female,unknown,26.4,59,130,KS,USA,divorced,less_than_hs,white_collar,113178.56,0.8411,accelerated_UW,119,68,183,48,3.81,100,4.8,False,,,False,False,False,False,False,none,,none,none,none,3,False,True,False,False,False,standard,,,False,False,False,True,4,UW-412,1.1,term_life,250000,annual,633.7,25.0,none,,,,False,none,worksite,False,False,False,0.001088,0.001099,SOA_2015_VBT,SOA_Scale_MP2023,1.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000109,0.02,False,,1.0,False,,,,0.07,0.0719,False,normal_rate,5.19,1.26,False,False,False,False,False,0.974,70.0,55.0,super_preferred_longevity,100.0,baseline,0.869,0.811,False,,False,,250000.0,5013.29,4533.77,5069.6,1204.03,False,0,1.77,17.58
LI-2024-INS004-002871,2009-03-02,3,71,74,1938,female,never_smoker,34.4,59,170,NE,USA,married,bachelors,light_blue_collar,152574.41,0.5033,non_med_guaranteed,137,99,230,46,5.0,94,5.6,False,,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,5,UW-462,1.5,term_life,1000000,monthly,9697.09,25.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.028718,0.069773,SOA_2015_VBT,SOA_Scale_MP2023,1.719,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014359,0.005,False,,1.0,False,,,,0.07,0.109,False,normal_rate,3.32,1.74,False,False,False,False,False,0.836,21.1,18.1,standard_longevity,57.2,baseline,1.123,0.342,False,,False,,1000000.0,74262.9,72071.96,70206.93,19898.43,False,0,6.16,7.95
LI-2024-INS004-002872,2004-06-14,20,24,44,1980,female,former_smoker,25.9,68,170,CA,USA,single,bachelors,professional,28975.17,0.6474,full_paramedical,154,101,206,22,9.36,91,5.9,False,89.0,,True,True,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-412,2.25,term_life,250000,monthly,2126.41,20.0,none,,,,False,none,bank,False,False,False,0.003542,0.013395,SOA_2015_VBT,SOA_Scale_MP2023,2.496,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004427,0.02,False,,1.0,False,,,,0.03,0.0355,False,normal_rate,4.49,1.2,False,False,False,False,False,0.935,70.0,54.0,super_preferred_longevity,100.0,baseline,1.014,0.796,True,57.8,False,,250000.0,17753.35,17670.1,17011.28,4040.18,False,0,4.41,-11.69
LI-2024-INS004-002873,2007-03-10,8,56,64,1951,female,never_smoker,27.1,69,183,MT,USA,widowed,high_school,white_collar,38042.09,0.5851,full_paramedical,135,84,203,74,2.74,89,5.4,False,80.3,,False,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-019,1.25,universal_life,5000000,monthly,35345.39,,15yr_declining,28111.25,,,True,quota_share,independent_broker,False,False,False,0.011622,0.020566,SOA_2015_VBT,SOA_Scale_MP2023,1.432,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002906,0.012,False,,1.0,False,,,,0.06,0.0333,False,normal_rate,0.48,1.95,False,False,False,False,False,0.786,39.0,31.0,preferred_longevity,77.8,baseline,1.061,0.489,False,,False,,4971888.75,278563.61,268113.11,282763.12,67156.24,False,0,1.19,14.76
LI-2024-INS004-002874,2013-04-21,8,22,30,1991,male,never_smoker,17.8,69,120,MD,USA,married,graduate,light_blue_collar,37708.91,0.8231,full_paramedical,120,76,202,53,3.81,66,,False,96.6,,True,False,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-232,2.25,universal_life,1000000,semi_annual,6157.81,,15yr_declining,5265.52,,,True,quota_share,independent_broker,True,False,False,0.00146,0.004978,SOA_2015_VBT,SOA_Scale_MP2023,2.447,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,False,,1.0,False,,,,0.06,0.0281,False,normal_rate,4.12,1.19,False,False,False,False,False,0.954,70.0,55.0,super_preferred_longevity,100.0,baseline,0.883,0.772,False,,False,,994734.48,50212.47,50778.43,49262.48,11699.84,False,0,0.45,-2.31
LI-2024-INS004-002875,2019-02-08,8,26,34,1993,female,never_smoker,26.6,68,174,VA,USA,single,bachelors,heavy_blue_collar,105920.49,0.6197,accelerated_UW,120,64,160,51,3.14,86,,False,88.5,,False,False,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,1.25,6.0,False,False,False,True,44,UW-175,2.5,group_life,100000,monthly,698.11,,none,,,,False,none,independent_broker,False,False,False,0.001434,0.005972,SOA_2015_VBT,SOA_Scale_MP2023,2.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002151,0.022,False,,1.0,False,,,,0.12,0.1445,False,normal_rate,3.14,1.04,False,False,False,False,False,0.946,70.0,55.0,super_preferred_longevity,100.0,baseline,1.035,0.66,False,,False,,100000.0,5778.66,5001.97,5584.88,1326.41,False,0,-0.11,-17.44
LI-2024-INS004-002876,2013-06-18,2,67,69,1946,male,current_smoker,25.2,66,156,FL,USA,single,bachelors,professional,45901.03,0.274,non_med_guaranteed,143,87,216,35,6.17,88,,True,,1.48,True,False,True,False,False,none,,none,mild_gold_1,bipolar,3,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,19,UW-086,2.5,term_life,250000,annual,3964.4,30.0,none,,,,False,none,bank,False,False,False,0.045594,0.219959,SOA_2015_VBT,SOA_Scale_MP2023,2.568,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.068391,0.008,False,,1.0,True,2026-03-27,non_payment,2.0,0.07,0.1451,False,normal_rate,2.42,2.13,False,False,False,False,False,0.77,21.6,19.6,standard_longevity,56.0,baseline,1.294,0.397,False,,False,,250000.0,29642.0,31270.9,31080.9,7659.22,False,0,-0.93,-20.0
LI-2024-INS004-002877,2021-01-04,6,57,63,1964,male,never_smoker,39.5,63,222,WV,USA,single,some_college,heavy_blue_collar,245017.7,0.7134,limited_exam,117,71,205,54,3.8,136,6.5,False,79.5,3.98,False,False,True,True,False,none,,type_2,none,substance_use_disorder,0,False,False,False,False,True,substandard_table_6,0.68,6.0,False,False,False,False,18,UW-057,2.5,universal_life,2000000,semi_annual,25235.32,,10yr_declining,20741.8,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.015545,0.064297,SOA_2015_VBT,SOA_Scale_MP2023,2.604,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023317,0.015,True,0.00192,1.0,False,,,,0.06,0.0427,False,normal_rate,1.39,1.83,False,False,False,False,False,0.788,36.7,30.7,preferred_longevity,79.3,baseline,0.965,0.677,False,,False,,1979258.2,205270.54,209726.84,201882.56,47947.11,False,0,2.44,-11.21
LI-2024-INS004-002878,2008-11-08,15,48,63,1960,male,never_smoker,30.0,68,197,MS,USA,married,some_college,white_collar,72781.69,0.6904,full_paramedical,113,62,182,53,3.43,78,5.5,False,,3.26,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-156,1.25,annuity_deferred,250000,annual,1450.06,,none,1565.91,,,False,none,employer_group,False,False,False,0.014633,0.023722,SOA_2015_VBT,SOA_Scale_MP2023,1.396,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003658,0.015,False,,1.0,False,,,,0.01,0.0138,False,normal_rate,2.77,2.08,False,False,False,False,False,0.935,42.0,27.0,preferred_longevity,63.4,baseline,0.982,0.705,False,,False,,248434.09,11412.36,10796.18,11600.48,2755.11,False,0,1.87,11.74
LI-2024-INS004-002879,2022-05-13,2,29,31,1993,female,unknown,33.5,68,220,NV,USA,married,some_college,hazardous,28152.8,0.6571,simplified_issue,131,73,211,54,3.91,97,4.9,False,83.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,standard,3.36,,True,False,False,False,41,UW-086,1.09,universal_life,500000,monthly,1237.22,,10yr_declining,845.48,,,False,none,worksite,False,False,False,0.00141,0.004627,SOA_2015_VBT,SOA_Scale_MP2023,1.062,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000127,0.022,True,0.00299,1.0,False,,,,0.08,0.0423,False,normal_rate,3.78,0.99,False,False,False,False,False,0.919,70.0,57.1,super_preferred_longevity,100.0,baseline,1.007,0.762,True,45.8,False,,499154.52,9999.95,10288.63,9897.76,2350.72,False,0,-1.13,9.25
LI-2024-INS004-002880,2024-07-08,2,22,24,2002,female,never_smoker,33.5,63,189,SC,USA,married,bachelors,white_collar,125264.91,0.6659,non_med_guaranteed,102,64,161,70,2.3,86,5.2,False,116.1,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,,,False,False,False,False,27,UW-316,0.93,annuity_deferred,500000,monthly,935.86,,none,598.18,,,True,facultative,captive_agent,False,False,False,0.000913,0.000844,SOA_2015_VBT,SOA_Scale_MP2023,0.924,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0467,False,normal_rate,3.06,0.99,False,False,False,False,False,0.879,70.0,55.0,super_preferred_longevity,100.0,baseline,1.001,0.718,False,,False,,499401.82,7239.7,6559.61,7486.88,1778.13,False,0,4.03,21.02
LI-2024-INS004-002881,2005-03-07,7,49,56,1956,male,never_smoker,23.7,76,194,MS,USA,single,high_school,light_blue_collar,40821.37,0.3377,accelerated_UW,159,104,221,55,4.02,98,,False,66.2,1.92,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,True,37,UW-213,2.0,universal_life,2000000,monthly,21285.22,,10yr_declining,16807.04,,,True,coinsurance,worksite,False,False,False,0.007821,0.029018,SOA_2015_VBT,SOA_Scale_MP2023,2.174,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007821,0.012,False,,1.0,False,,,,0.06,0.0386,False,normal_rate,5.28,1.46,False,False,False,False,False,0.827,38.7,31.7,preferred_longevity,65.1,baseline,1.247,0.274,False,,False,,1983192.96,165893.92,174072.14,170281.76,40441.92,False,0,4.75,-8.31
LI-2024-INS004-002882,2024-05-23,3,67,70,1957,male,former_smoker,22.5,76,184,NV,USA,married,bachelors,professional,49540.86,0.5835,limited_exam,150,93,188,61,3.08,89,,False,75.5,2.41,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-128,1.5,term_life,500000,annual,4916.79,25.0,none,,,,False,none,captive_agent,False,False,False,0.034202,0.079089,SOA_2015_VBT,SOA_Scale_MP2023,1.706,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017101,0.012,False,,1.0,True,2025-11-08,non_payment,3.0,0.07,0.0863,False,normal_rate,1.56,2.18,False,False,False,False,False,0.973,24.8,21.8,preferred_longevity,64.0,baseline,1.062,0.748,False,,False,,500000.0,41636.29,41153.03,39334.32,9341.9,False,0,4.56,6.0
LI-2024-INS004-002883,2017-01-09,6,68,74,1949,male,never_smoker,26.1,62,142,WA,USA,single,bachelors,light_blue_collar,126639.86,0.7101,simplified_issue,149,96,243,42,5.79,118,,False,,3.02,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-417,1.5,term_life,500000,monthly,4429.47,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.036143,0.075835,SOA_2015_VBT,SOA_Scale_MP2023,1.652,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018072,0.008,False,,1.0,False,,,,0.05,0.0566,False,normal_rate,3.58,1.7,False,False,False,False,False,0.856,19.8,14.5,standard_longevity,44.9,baseline,0.967,0.66,True,50.3,False,,500000.0,26413.35,24358.0,25690.93,10364.96,False,0,4.29,8.87
LI-2024-INS004-002884,2012-12-07,5,20,25,1992,male,current_smoker,15.0,63,90,SD,USA,married,some_college,white_collar,60108.51,0.1983,full_paramedical,109,67,183,46,3.98,76,5.0,True,92.1,,False,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,declined,,,False,False,True,False,37,UW-113,7.0,group_life,250000,semi_annual,3484.95,,none,,,,False,none,captive_agent,False,False,False,0.002365,0.038226,SOA_2015_VBT,SOA_Scale_MP2023,7.519,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014193,0.022,False,,1.0,True,2025-06-03,non_payment,5.0,0.15,0.3237,False,normal_rate,1.94,2.31,False,False,False,False,False,0.756,70.0,62.7,super_preferred_longevity,100.0,baseline,1.351,0.211,True,74.4,False,,250000.0,27270.61,27835.23,27879.6,6621.4,False,0,-5.0,-20.0
LI-2024-INS004-002885,2010-09-02,4,42,46,1968,female,never_smoker,25.5,70,177,NE,USA,married,graduate,light_blue_collar,73284.35,0.5425,full_paramedical,108,68,143,54,2.65,99,5.1,False,93.8,,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,preferred_plus,,,False,False,False,False,32,UW-297,0.64,annuity_immediate,250000,quarterly,605.78,,none,,,,False,none,independent_broker,False,False,False,0.003155,0.002048,SOA_2015_VBT,SOA_Scale_MP2023,0.594,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.005,0.0063,False,normal_rate,3.82,2.34,True,False,False,False,False,0.89,52.6,48.6,super_preferred_longevity,93.5,baseline,1.093,0.454,False,,False,,250000.0,4467.48,4925.16,4846.24,1150.98,False,0,2.1,31.69
LI-2024-INS004-002886,2009-02-07,9,46,55,1963,male,never_smoker,29.7,60,152,WV,USA,married,bachelors,light_blue_collar,29531.11,0.6402,full_paramedical,122,81,249,58,4.29,87,,False,,1.71,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,29,UW-424,0.84,term_life,5000000,annual,21724.32,20.0,none,,,,True,none,employer_group,False,False,False,0.007786,0.006099,SOA_2015_VBT,SOA_Scale_MP2023,0.768,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0713,False,normal_rate,3.14,2.6,False,False,False,False,False,0.925,44.2,35.2,preferred_longevity,74.9,baseline,1.02,0.623,False,,False,,5000000.0,160853.78,147958.29,173794.56,41276.21,False,0,2.68,18.93
LI-2024-INS004-002887,2021-10-20,6,68,74,1953,male,never_smoker,27.9,73,211,MD,USA,married,some_college,white_collar,210648.69,0.8272,accelerated_UW,128,84,216,64,3.38,129,5.4,False,82.2,13.76,False,False,False,False,False,none,,none,none,anxiety,1,False,False,True,False,True,preferred,,,False,False,False,True,32,UW-014,0.8,term_life,500000,monthly,2781.65,25.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.035557,0.027565,SOA_2015_VBT,SOA_Scale_MP2023,0.754,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00398,1.0,False,,,,0.05,0.0727,False,normal_rate,3.41,1.42,False,False,False,False,False,0.948,21.2,15.2,standard_longevity,47.7,baseline,0.88,0.786,False,,False,,500000.0,15774.28,15258.31,16912.43,6353.29,False,0,1.51,26.24
LI-2024-INS004-002888,2011-03-04,15,56,71,1955,male,never_smoker,27.4,61,144,AR,USA,married,high_school,professional,49308.24,0.5939,non_med_guaranteed,123,78,241,50,4.82,77,,False,43.9,2.72,False,False,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-219,1.25,term_life,500000,quarterly,3490.42,30.0,none,,,,False,none,independent_broker,False,False,False,0.028025,0.045427,SOA_2015_VBT,SOA_Scale_MP2023,1.3,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007006,0.012,False,,1.0,False,,,,0.03,0.0367,False,normal_rate,4.77,1.31,False,False,False,False,False,0.857,32.6,17.9,standard_longevity,48.3,baseline,1.055,0.689,True,39.7,False,,500000.0,26752.56,22052.96,24991.41,7218.19,False,0,3.16,13.03
LI-2024-INS004-002889,2013-01-03,1,37,38,1976,male,never_smoker,30.4,72,224,NH,USA,widowed,less_than_hs,professional,56720.99,0.5041,limited_exam,106,72,173,67,2.58,88,,False,98.4,,False,False,True,False,False,none,,none,none,bipolar,3,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,27,UW-085,2.0,term_life,1000000,semi_annual,7131.11,15.0,none,,,,True,coinsurance,captive_agent,True,False,False,0.00227,0.007879,SOA_2015_VBT,SOA_Scale_MP2023,2.202,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.018,False,,1.0,False,,,,0.1,0.1297,False,normal_rate,4.03,2.65,False,False,False,False,False,0.872,57.9,66.6,super_preferred_longevity,100.0,baseline,1.122,0.308,True,91.5,False,,1000000.0,54241.91,54586.42,57048.88,13549.11,False,0,3.17,-9.88
LI-2024-INS004-002890,2018-04-24,8,45,53,1973,female,never_smoker,44.2,68,290,MT,USA,married,high_school,light_blue_collar,95841.56,0.2591,full_paramedical,138,93,224,29,7.72,141,5.8,False,71.6,,False,True,False,False,False,none,,none,none,none,8,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,51,UW-354,2.0,term_life,500000,monthly,4360.45,30.0,none,,,,False,none,employer_group,False,False,False,0.005451,0.021335,SOA_2015_VBT,SOA_Scale_MP2023,2.232,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005451,0.018,False,,1.0,False,,,,0.05,0.0896,False,normal_rate,4.28,0.85,True,True,False,False,False,0.856,49.4,41.4,preferred_longevity,78.5,baseline,1.306,0.072,False,,False,,500000.0,35603.28,30766.16,34883.6,8284.85,False,0,0.58,-5.2
LI-2024-INS004-002891,2020-04-13,3,77,80,1943,male,never_smoker,16.0,70,111,KS,USA,married,bachelors,white_collar,21177.99,0.6814,full_paramedical,128,76,210,61,3.44,100,,False,62.7,6.25,True,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-463,1.25,whole_life,1000000,monthly,8779.17,,none,5629.93,,,True,coinsurance,independent_broker,False,False,False,0.05809,0.09633,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014523,0.008,True,0.00598,1.0,False,,,,0.04,0.0462,False,normal_rate,2.81,2.0,False,False,False,False,False,0.751,9.8,6.8,sub_standard_longevity,32.9,baseline,0.989,0.599,False,,False,,994370.07,24147.19,23470.32,23879.34,25951.23,False,0,1.91,17.42
LI-2024-INS004-002892,2015-06-19,11,68,79,1947,female,former_smoker,20.4,65,122,AZ,USA,married,graduate,white_collar,72906.6,0.7827,non_med_guaranteed,139,89,244,54,4.52,66,5.1,False,50.6,,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,35,UW-233,1.25,term_life,1000000,monthly,7746.36,15.0,none,,,,True,facultative,bank,False,False,False,0.057201,0.080571,SOA_2015_VBT,SOA_Scale_MP2023,1.269,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0143,0.008,False,,1.0,False,,,,0.03,0.0322,False,normal_rate,2.23,0.92,False,False,False,False,False,0.774,23.8,12.8,standard_longevity,43.4,baseline,0.913,0.909,False,,False,,1000000.0,42560.03,36886.34,39661.36,19179.99,False,0,1.57,19.12
LI-2024-INS004-002893,2007-08-17,10,46,56,1961,male,never_smoker,21.6,76,177,TN,USA,divorced,some_college,professional,32173.5,0.5821,full_paramedical,121,79,168,42,4.0,91,,False,79.8,5.5,False,False,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,62,UW-058,1.25,universal_life,1000000,quarterly,6545.99,,10yr_declining,5974.43,,,True,quota_share,employer_group,False,False,False,0.008207,0.014916,SOA_2015_VBT,SOA_Scale_MP2023,1.474,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002052,0.015,False,,1.0,False,,,,0.06,0.04,False,normal_rate,3.05,0.61,False,False,False,False,False,0.924,43.7,33.7,preferred_longevity,71.8,baseline,1.063,0.613,False,,False,,994025.57,56437.94,47637.49,52367.92,12437.38,False,0,3.96,12.17
LI-2024-INS004-002894,2024-11-11,2,35,37,1989,female,unknown,26.0,72,191,FL,USA,widowed,high_school,white_collar,234988.93,0.8041,full_paramedical,110,63,239,50,4.78,82,5.3,False,98.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-177,2.25,universal_life,1000000,semi_annual,6525.41,,10yr_declining,4141.57,,,True,excess_of_loss,independent_broker,True,False,False,0.001963,0.006514,SOA_2015_VBT,SOA_Scale_MP2023,2.305,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002454,0.02,False,,1.0,False,,,,0.08,0.038,False,normal_rate,5.41,2.33,False,False,False,False,False,0.982,64.2,55.0,super_preferred_longevity,100.0,baseline,0.897,0.881,False,,False,,995858.43,47089.0,52377.66,52203.28,12398.28,False,0,-0.4,-18.86
LI-2024-INS004-002895,2005-06-18,5,72,77,1933,male,former_smoker,26.3,65,158,CA,USA,single,high_school,white_collar,86725.04,0.6371,full_paramedical,124,70,257,54,4.76,88,,False,75.1,4.0,False,True,False,False,False,none,,none,none,depression,0,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,41,UW-278,1.5,term_life,1000000,quarterly,8326.2,10.0,none,,,,True,coinsurance,bank,False,False,False,0.059136,0.123503,SOA_2015_VBT,SOA_Scale_MP2023,1.554,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029568,0.005,False,,1.0,False,,,,0.07,0.0833,False,normal_rate,1.85,1.31,False,False,False,False,False,0.889,12.9,8.5,sub_standard_longevity,34.8,baseline,1.022,0.61,True,55.8,False,,1000000.0,27730.14,29538.37,28309.08,23479.88,False,0,4.73,10.65
LI-2024-INS004-002896,2018-02-22,7,24,31,1994,female,current_smoker,27.1,69,183,MO,USA,single,some_college,professional,20000.0,0.3107,full_paramedical,132,83,202,39,5.18,88,,True,99.5,,False,False,True,False,False,none,,none,none,substance_use_disorder,7,False,False,True,False,True,standard,,,False,True,False,False,64,UW-266,1.0,annuity_deferred,500000,quarterly,1231.65,,none,1030.6,,,False,none,bank,False,False,False,0.002451,0.003125,SOA_2015_VBT,SOA_Scale_MP2023,1.006,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.029,False,normal_rate,3.09,0.7,False,False,False,False,False,0.78,70.0,55.0,super_preferred_longevity,100.0,baseline,1.267,0.258,False,,False,,498969.4,9154.12,9316.26,9853.2,2340.14,False,0,5.78,17.22
LI-2024-INS004-002897,2022-12-16,4,52,56,1970,female,never_smoker,23.1,67,147,AK,USA,married,bachelors,heavy_blue_collar,102587.49,0.3446,limited_exam,124,77,233,59,3.95,99,,False,98.6,,False,False,False,False,False,none,,none,none,depression,9,False,False,True,False,True,substandard_table_1,1.3,1.0,False,False,False,False,53,UW-116,1.25,indexed_ul,500000,annual,2536.58,,15yr_declining,1907.08,,,True,none,bank,True,False,False,0.006975,0.020026,SOA_2015_VBT,SOA_Scale_MP2023,1.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001744,0.018,True,0.00671,1.0,False,,,,0.08,0.0513,False,normal_rate,1.98,1.43,False,False,False,False,False,0.889,42.3,38.3,preferred_longevity,75.1,baseline,1.242,0.369,False,,False,,498092.92,21334.71,19291.45,20292.64,4819.5,False,0,0.76,9.82
LI-2024-INS004-002898,2016-12-24,5,29,34,1987,male,never_smoker,30.3,74,235,RI,USA,single,bachelors,professional,90631.56,0.5788,limited_exam,144,90,128,24,5.33,117,4.5,False,86.5,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-278,1.25,annuity_deferred,250000,quarterly,974.58,,none,759.95,,,False,none,independent_broker,False,True,False,0.001792,0.003154,SOA_2015_VBT,SOA_Scale_MP2023,1.416,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000448,0.02,False,,1.0,False,,,,0.04,0.0495,False,normal_rate,2.04,1.38,False,True,False,False,False,0.97,65.0,55.0,super_preferred_longevity,100.0,baseline,1.066,0.517,False,,False,,249240.05,8022.13,6961.36,7796.64,1851.7,False,0,3.99,9.92
LI-2024-INS004-002899,2004-01-20,15,62,77,1942,male,never_smoker,18.8,68,123,SC,USA,single,high_school,heavy_blue_collar,21020.22,0.478,full_paramedical,151,86,224,39,5.74,96,,False,,11.07,True,True,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,1.28,5.0,False,False,False,False,11,UW-042,2.25,universal_life,1000000,semi_annual,12901.62,,10yr_declining,14968.01,,,True,quota_share,independent_broker,False,False,False,0.044395,0.177981,SOA_2015_VBT,SOA_Scale_MP2023,2.417,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055494,0.008,False,,1.0,False,,,,0.04,0.0527,False,normal_rate,3.23,2.83,False,False,False,False,False,0.992,23.9,8.9,sub_standard_longevity,33.0,baseline,1.141,0.535,False,,False,,985031.99,48537.22,40531.74,45929.77,35969.72,False,0,2.2,-12.0
LI-2024-INS004-002900,2015-08-17,12,78,90,1937,male,current_smoker,26.8,72,197,AL,USA,married,graduate,professional,174136.87,0.7373,non_med_guaranteed,152,92,244,59,4.14,97,,True,55.2,4.87,False,False,False,False,True,leukemia,7.4,none,none,none,1,False,True,False,False,True,substandard_table_10,,10.0,False,False,False,False,37,UW-233,3.5,term_life,1000000,monthly,26819.94,30.0,none,,,,True,coinsurance,employer_group,False,False,False,0.281949,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,4.107,cancer,True,2018-11-09,False,False,234781.54,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.03,0.04,False,normal_rate,3.85,2.1,False,False,False,False,False,0.974,7.9,1.0,sub_standard_longevity,25.1,baseline,0.947,0.586,False,,False,,1000000.0,11744.99,9853.49,10727.98,91724.19,False,0,-1.4,-20.0
LI-2024-INS004-002901,2008-06-13,5,60,65,1948,female,former_smoker,23.3,71,167,CT,USA,single,high_school,hazardous,41727.89,0.7424,full_paramedical,132,76,199,53,3.75,99,5.3,False,72.8,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,4.39,5.0,True,False,False,False,10,UW-002,2.25,whole_life,1000000,monthly,10831.15,,none,8373.13,3031.07,0.362,True,excess_of_loss,direct_to_consumer,False,False,False,0.017017,0.057753,SOA_2015_VBT,SOA_Scale_MP2023,2.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021271,0.008,False,,1.0,False,,,,0.04,0.0372,False,normal_rate,3.85,2.41,False,False,False,False,False,0.974,31.8,29.8,preferred_longevity,68.3,baseline,0.943,0.75,True,66.5,False,,991626.87,90012.28,90585.65,86649.2,20579.19,False,0,3.81,-13.94
LI-2024-INS004-002902,2002-11-14,16,62,78,1940,male,former_smoker,23.9,72,176,GA,USA,married,high_school,white_collar,211236.98,0.9348,limited_exam,132,78,248,65,3.82,107,5.4,False,78.7,2.86,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,False,30,UW-041,0.81,universal_life,250000,monthly,1331.25,,15yr_declining,1508.49,,,False,none,captive_agent,False,False,False,0.061963,0.038661,SOA_2015_VBT,SOA_Scale_MP2023,0.781,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.1043,True,normal_rate,4.76,2.95,False,False,False,False,False,0.999,25.4,9.4,standard_longevity,40.6,baseline,0.799,1.0,False,,False,,248491.51,5141.4,4996.57,5005.5,3658.28,False,0,3.79,26.5
LI-2024-INS004-002903,2020-04-17,7,67,74,1953,female,current_smoker,36.6,72,270,MO,USA,divorced,some_college,light_blue_collar,20000.0,0.7312,limited_exam,151,94,239,53,4.51,96,5.1,True,62.0,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-045,2.0,universal_life,500000,annual,5425.44,,15yr_declining,4373.64,,,False,none,bank,False,False,False,0.056891,0.174714,SOA_2015_VBT,SOA_Scale_MP2023,2.12,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.056891,0.012,True,0.00305,1.0,False,,,,0.06,0.0301,False,normal_rate,2.26,1.26,True,False,False,False,False,0.895,25.8,18.8,standard_longevity,51.7,baseline,0.952,0.691,False,,False,,495626.36,43370.96,38709.08,40799.31,10829.18,False,0,1.89,-5.63
LI-2024-INS004-002904,2003-12-08,22,32,54,1971,male,never_smoker,24.4,66,150,MT,USA,widowed,graduate,professional,234398.76,0.5426,non_med_guaranteed,136,78,144,58,2.48,81,,False,79.0,3.58,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,standard,,,False,True,False,False,41,UW-260,1.0,indexed_ul,250000,annual,1007.26,,15yr_declining,1501.93,,,False,none,bank,False,False,False,0.007392,0.008193,SOA_2015_VBT,SOA_Scale_MP2023,1.014,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0506,False,normal_rate,2.38,2.94,False,False,False,False,False,0.899,59.3,38.8,preferred_longevity,78.8,baseline,1.093,0.498,False,,True,1.027,248498.07,7902.0,8134.8,8058.08,1913.79,False,0,3.35,24.15
LI-2024-INS004-002905,2008-03-24,13,42,55,1966,female,former_smoker,30.9,67,196,MS,USA,married,bachelors,hazardous,83722.17,0.5304,full_paramedical,125,72,238,51,4.67,113,5.0,False,91.4,,True,False,False,False,False,none,,none,none,depression,6,False,True,False,False,False,substandard_table_1,4.05,1.0,True,False,False,False,17,UW-478,1.25,term_life,500000,semi_annual,3183.94,20.0,none,,,,True,none,bank,True,False,False,0.008346,0.01584,SOA_2015_VBT,SOA_Scale_MP2023,1.495,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002087,0.015,False,,1.0,False,,,,0.03,0.0383,False,normal_rate,3.14,1.53,False,False,False,False,False,0.815,52.2,39.6,preferred_longevity,79.9,baseline,1.102,0.507,True,37.0,False,,500000.0,25403.38,23795.84,25471.52,6049.49,False,0,5.05,12.77
LI-2024-INS004-002906,2016-06-06,5,27,32,1989,female,never_smoker,26.2,58,125,OK,USA,married,some_college,white_collar,135478.35,0.4302,full_paramedical,135,85,181,36,5.03,101,5.3,False,104.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,12,False,False,False,False,False,standard,,,False,True,False,False,14,UW-104,1.0,group_life,1000000,monthly,2417.7,,none,,,,True,facultative,independent_broker,False,False,False,0.001289,0.001648,SOA_2015_VBT,SOA_Scale_MP2023,1.086,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.15,0.2034,False,normal_rate,1.74,0.71,False,False,False,False,False,0.871,70.0,55.0,super_preferred_longevity,100.0,baseline,1.177,0.508,False,,False,,1000000.0,20177.16,18595.35,19341.6,4593.63,False,0,4.13,18.62
LI-2024-INS004-002907,2016-08-22,2,71,73,1945,male,never_smoker,36.1,67,230,LA,USA,widowed,bachelors,professional,52428.89,0.6815,simplified_issue,140,86,214,48,4.46,112,8.1,False,78.3,8.23,False,False,False,False,False,none,,type_2,none,none,5,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,28,UW-147,2.25,term_life,1000000,annual,11834.26,25.0,none,,,,True,none,bank,False,False,False,0.032071,0.11465,SOA_2015_VBT,SOA_Scale_MP2023,2.351,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.040089,0.008,False,,1.0,False,,,,0.07,0.0808,False,normal_rate,2.27,0.7,False,False,False,False,False,0.963,16.1,14.1,standard_longevity,43.9,baseline,0.989,0.818,False,,False,,1000000.0,73202.87,64734.4,66745.23,28070.86,False,0,1.31,-11.03
LI-2024-INS004-002908,2006-07-13,2,74,76,1932,male,current_smoker,23.6,68,155,ID,USA,married,bachelors,hazardous,183361.51,0.5485,limited_exam,117,73,205,51,4.02,89,5.8,True,50.4,7.46,False,False,False,False,False,none,,none,moderate_gold_2,depression,2,False,False,True,True,True,substandard_table_6,3.12,6.0,True,False,False,False,55,UW-417,2.5,term_life,500000,annual,8777.93,20.0,none,,,,False,none,independent_broker,False,False,False,0.082963,0.364142,SOA_2015_VBT,SOA_Scale_MP2023,2.654,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.124444,0.005,False,,1.0,False,,,,0.07,0.0883,False,normal_rate,4.81,0.88,False,False,False,False,False,0.818,10.4,8.4,sub_standard_longevity,33.3,baseline,1.089,0.449,False,,False,,500000.0,27080.76,25421.17,29493.84,24823.99,False,0,-0.3,-20.0
LI-2024-INS004-002909,2002-12-11,22,31,53,1971,female,never_smoker,29.5,59,146,HI,USA,divorced,bachelors,white_collar,85959.86,0.4469,full_paramedical,118,70,212,49,4.33,113,,False,77.3,,True,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,24,UW-117,0.84,universal_life,1000000,annual,3409.22,,10yr_declining,5146.15,4070.6,0.791,True,quota_share,independent_broker,False,False,False,0.005451,0.005022,SOA_2015_VBT,SOA_Scale_MP2023,0.791,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0322,False,normal_rate,5.41,1.04,False,False,False,False,False,0.963,63.9,41.9,super_preferred_longevity,82.1,baseline,1.165,0.266,False,,False,,994853.85,25686.54,24595.81,27273.76,6477.52,False,0,5.75,20.4
LI-2024-INS004-002910,2016-04-21,2,31,33,1985,female,former_smoker,20.5,67,130,TX,USA,married,some_college,light_blue_collar,50733.46,0.3317,full_paramedical,131,85,221,56,3.95,81,4.8,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-243,2.25,term_life,1000000,quarterly,5719.6,20.0,none,,,,True,coinsurance,bank,False,False,False,0.001766,0.007198,SOA_2015_VBT,SOA_Scale_MP2023,2.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002207,0.02,False,,1.0,False,,,,0.07,0.1004,False,normal_rate,4.57,2.55,False,False,False,False,False,0.935,65.7,55.0,super_preferred_longevity,100.0,baseline,1.251,0.341,False,,False,,1000000.0,46687.54,43848.21,45756.8,10867.24,False,0,-1.98,-17.12
LI-2024-INS004-002911,2000-12-18,9,38,47,1962,female,never_smoker,22.1,64,128,FL,USA,married,bachelors,white_collar,91116.69,0.5204,accelerated_UW,132,77,194,47,4.13,101,5.0,False,94.3,,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,True,9,UW-415,0.82,annuity_deferred,1000000,quarterly,3527.79,,none,3071.26,,,True,none,bank,False,False,False,0.00325,0.002795,SOA_2015_VBT,SOA_Scale_MP2023,0.775,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.0257,False,normal_rate,4.07,1.77,False,False,False,True,False,0.828,55.6,46.6,super_preferred_longevity,90.2,baseline,1.11,0.492,False,,False,,996928.74,26497.55,28551.37,28222.32,6702.8,False,0,4.57,28.23
LI-2024-INS004-002912,2017-03-28,9,70,79,1947,male,former_smoker,31.5,67,201,WY,USA,married,bachelors,heavy_blue_collar,80087.39,0.5401,full_paramedical,134,79,219,46,4.76,122,,False,77.7,2.67,False,True,False,True,False,none,,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_6,1.38,6.0,False,False,False,False,30,UW-386,2.5,term_life,1000000,quarterly,14877.33,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.071501,0.305712,SOA_2015_VBT,SOA_Scale_MP2023,2.535,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.107252,0.008,False,,1.0,True,2025-11-17,non_payment,9.0,0.05,0.0634,False,normal_rate,3.51,1.7,False,False,False,False,False,0.964,16.9,7.9,sub_standard_longevity,32.5,baseline,1.095,0.718,False,,False,,1000000.0,43303.19,45080.01,47012.36,42668.18,False,0,1.68,-20.0
LI-2024-INS004-002913,2009-01-23,13,70,83,1939,male,former_smoker,20.1,67,128,IA,USA,married,high_school,white_collar,27357.64,0.716,accelerated_UW,139,86,238,46,5.17,88,,False,,16.17,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,18,UW-127,2.0,term_life,2000000,monthly,29973.45,25.0,none,,,,True,facultative,captive_agent,True,False,False,0.102484,0.309046,SOA_2015_VBT,SOA_Scale_MP2023,2.093,cardiovascular,True,2018-03-31,False,False,832713.37,0.0007,5e-05,1.095,0.102484,0.005,False,,1.0,False,,,,0.03,0.0338,False,normal_rate,2.27,2.3,False,False,False,False,False,0.837,16.1,3.1,sub_standard_longevity,27.9,baseline,0.963,0.758,False,,False,,2000000.0,36421.54,33687.43,37167.08,97473.66,False,0,2.06,-12.61
LI-2024-INS004-002914,2018-03-26,3,28,31,1990,non_binary,former_smoker,25.8,74,200,FL,USA,married,high_school,white_collar,75507.48,0.7603,non_med_guaranteed,126,81,230,50,4.6,96,5.1,False,95.5,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,,,False,False,False,False,26,UW-129,0.99,universal_life,250000,monthly,653.91,,15yr_declining,413.69,,,False,none,bank,False,False,False,0.001793,0.001622,SOA_2015_VBT,SOA_Scale_MP2023,0.973,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0393,False,normal_rate,2.87,2.06,True,False,False,False,False,0.901,67.3,55.0,super_preferred_longevity,100.0,baseline,0.93,0.721,False,,False,,249586.31,5039.73,5267.68,5231.28,1242.43,False,0,4.68,22.95
LI-2024-INS004-002915,2005-06-28,2,56,58,1949,male,current_smoker,22.6,73,171,ME,USA,married,bachelors,hazardous,20000.0,0.6225,full_paramedical,142,74,201,47,4.28,119,,True,66.6,1.24,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_7,3.89,7.0,True,False,False,False,30,UW-356,2.75,term_life,250000,semi_annual,3263.88,25.0,none,,,,False,none,captive_agent,True,False,False,0.018128,0.087289,SOA_2015_VBT,SOA_Scale_MP2023,2.967,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031723,0.008,False,,1.0,False,,,,0.07,0.0841,False,normal_rate,2.75,2.13,False,False,False,False,False,0.8,34.5,32.5,super_preferred_longevity,80.6,baseline,1.033,0.663,False,,False,,250000.0,24761.51,24229.28,26111.04,6201.37,False,0,2.41,-20.0
LI-2024-INS004-002916,2014-07-11,13,72,85,1942,male,unknown,37.8,67,241,GA,USA,divorced,bachelors,white_collar,20000.0,0.7029,accelerated_UW,158,100,212,44,4.82,107,6.5,False,75.4,9.77,False,False,False,False,False,none,,type_2,none,none,5,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,True,16,UW-445,1.5,term_life,100000,semi_annual,1165.83,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.101883,0.202488,SOA_2015_VBT,SOA_Scale_MP2023,1.529,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050942,0.008,False,,1.0,False,,,,0.03,0.0478,False,normal_rate,3.55,0.64,False,False,False,False,False,0.882,14.8,1.8,sub_standard_longevity,25.7,baseline,0.973,0.667,False,,False,,100000.0,772.55,776.64,839.4,3912.52,False,0,4.05,3.7
LI-2024-INS004-002917,2001-04-25,13,67,80,1934,male,never_smoker,25.1,63,141,NY,USA,married,bachelors,light_blue_collar,158405.0,0.639,full_paramedical,142,75,217,53,4.09,60,5.7,False,72.5,10.37,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-277,1.25,universal_life,500000,annual,4290.73,,15yr_declining,4498.4,,,False,none,independent_broker,False,False,False,0.059342,0.092914,SOA_2015_VBT,SOA_Scale_MP2023,1.289,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014835,0.005,False,,1.0,True,2025-05-18,non_payment,13.0,0.04,0.0214,False,normal_rate,4.39,2.99,False,False,False,False,False,0.875,18.1,5.1,sub_standard_longevity,29.7,baseline,1.021,0.717,False,,False,,495501.6,8769.98,8730.7,8753.09,13266.94,False,0,3.33,17.37
LI-2024-INS004-002918,2011-09-12,7,62,69,1949,male,never_smoker,33.4,69,226,CA,USA,married,graduate,heavy_blue_collar,272008.66,0.4999,non_med_guaranteed,121,77,272,37,7.35,109,5.0,False,84.7,7.15,False,False,False,False,True,colorectal,5.3,none,none,substance_use_disorder,0,False,False,False,True,True,substandard_table_5,0.69,5.0,False,False,False,False,20,UW-146,2.25,term_life,1000000,semi_annual,12656.42,30.0,none,,,,True,facultative,captive_agent,False,False,False,0.023353,0.092512,SOA_2015_VBT,SOA_Scale_MP2023,2.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029191,0.008,False,,1.0,False,,,,0.05,0.065,False,normal_rate,5.51,2.9,False,False,False,False,False,0.937,25.0,18.0,standard_longevity,47.0,baseline,1.125,0.58,False,,False,,1000000.0,83837.75,85191.41,91126.22,26072.23,False,0,-3.98,-10.62
LI-2024-INS004-002919,2017-11-18,7,39,46,1978,female,never_smoker,24.2,67,154,VA,USA,single,bachelors,light_blue_collar,94475.25,0.5016,full_paramedical,125,86,231,45,5.13,89,,False,87.3,,True,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-191,1.25,whole_life,250000,monthly,1093.25,,none,835.98,,,True,none,captive_agent,False,False,False,0.003155,0.005624,SOA_2015_VBT,SOA_Scale_MP2023,1.364,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000789,0.018,False,,1.0,False,,,,0.02,0.026,False,normal_rate,2.38,1.75,False,False,False,False,False,0.782,60.1,56.3,super_preferred_longevity,100.0,baseline,1.124,0.535,True,52.4,False,,249164.02,9071.81,8248.2,8746.0,2077.18,False,0,3.59,13.28
LI-2024-INS004-002920,2004-08-28,16,47,63,1957,male,never_smoker,19.2,69,129,NM,USA,married,graduate,white_collar,51282.92,0.3354,full_paramedical,114,69,230,52,4.42,94,5.0,False,92.9,1.49,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-345,2.25,whole_life,2000000,monthly,26600.88,,none,31446.69,,,True,excess_of_loss,captive_agent,True,False,False,0.014329,0.059341,SOA_2015_VBT,SOA_Scale_MP2023,2.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017911,0.012,False,,1.0,False,,,,0.015,0.0215,False,normal_rate,2.95,1.58,False,False,False,False,False,0.879,40.9,24.9,standard_longevity,54.9,baseline,1.248,0.351,False,,False,,1968553.31,194275.46,190295.18,212807.04,50541.67,False,0,0.35,-13.63
LI-2024-INS004-002921,2021-05-04,6,24,30,1997,male,never_smoker,29.7,76,244,MI,USA,married,high_school,light_blue_collar,87793.22,0.7338,non_med_guaranteed,111,68,247,69,3.58,116,,False,89.4,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-460,2.25,whole_life,1000000,quarterly,5438.61,,none,4062.03,,,True,excess_of_loss,worksite,False,False,False,0.00146,0.007281,SOA_2015_VBT,SOA_Scale_MP2023,2.471,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,True,0.00203,1.0,False,,,,0.02,0.0223,False,normal_rate,3.56,1.53,False,False,False,False,False,0.786,70.0,55.0,super_preferred_longevity,100.0,baseline,0.95,0.765,False,,False,,995937.97,42598.94,40098.33,43508.88,10333.36,False,0,-0.17,-19.38
LI-2024-INS004-002922,2005-04-02,2,52,54,1953,female,current_smoker,29.6,59,146,OR,USA,divorced,graduate,light_blue_collar,64324.45,0.7452,full_paramedical,137,82,251,49,5.12,89,4.9,True,,,False,False,False,False,False,none,,none,severe_gold_3,schizophrenia,0,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,21,UW-207,3.25,whole_life,250000,monthly,3898.34,,none,2552.46,,,True,excess_of_loss,independent_broker,False,False,False,0.010232,0.060442,SOA_2015_VBT,SOA_Scale_MP2023,3.886,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023022,0.012,False,,1.0,False,,,,0.04,0.0442,False,normal_rate,3.77,2.16,False,False,False,False,False,0.852,40.9,39.6,super_preferred_longevity,83.1,baseline,0.941,0.567,True,38.9,False,,247447.54,31480.84,29391.52,31186.72,7406.85,False,0,-5.0,-20.0
LI-2024-INS004-002923,2003-12-16,6,61,67,1942,male,never_smoker,22.4,69,151,CO,USA,married,high_school,hazardous,111585.77,0.4872,full_paramedical,127,77,172,45,3.82,84,5.3,True,,1.88,False,True,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,4.15,5.0,True,False,False,False,14,UW-159,2.25,term_life,1000000,quarterly,14043.66,15.0,none,,,,True,none,captive_agent,False,False,False,0.037095,0.150114,SOA_2015_VBT,SOA_Scale_MP2023,2.465,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046368,0.008,False,,1.0,False,,,,0.05,0.0655,False,normal_rate,5.12,2.81,False,False,False,False,False,0.981,24.9,18.9,standard_longevity,48.2,baseline,1.135,0.512,False,,False,,1000000.0,113009.28,99539.34,106170.07,27918.8,False,0,-3.37,-17.72
LI-2024-INS004-002924,2008-07-21,12,41,53,1967,male,former_smoker,24.9,68,163,MN,USA,single,graduate,light_blue_collar,38656.49,0.7236,full_paramedical,131,88,226,43,5.26,70,4.8,False,95.4,1.29,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-422,2.25,annuity_deferred,500000,annual,4508.58,,none,4632.6,,,False,none,independent_broker,False,False,False,0.008857,0.031802,SOA_2015_VBT,SOA_Scale_MP2023,2.445,accident,True,2019-01-20,False,False,991815.25,0.0007,5e-05,1.095,0.011071,0.015,False,,1.0,False,,,,0.01,0.0112,False,normal_rate,4.05,1.32,False,False,False,False,False,0.979,50.1,38.1,super_preferred_longevity,80.5,baseline,0.957,0.683,False,,False,,495367.4,32635.43,33322.17,36068.64,8566.3,False,0,0.89,-3.82
LI-2024-INS004-002925,2007-07-09,11,63,74,1944,male,former_smoker,25.9,64,151,DE,USA,married,bachelors,hazardous,38108.04,0.5364,full_paramedical,123,76,204,46,4.43,97,4.9,False,,4.01,True,True,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,2.79,,True,False,False,False,19,UW-213,0.77,term_life,250000,monthly,1179.1,25.0,none,,,,False,none,bank,False,False,False,0.045136,0.037358,SOA_2015_VBT,SOA_Scale_MP2023,0.754,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0381,False,normal_rate,0.85,1.18,False,False,False,False,False,0.843,23.4,15.0,standard_longevity,43.0,baseline,1.098,0.699,True,91.1,False,,250000.0,7202.66,7233.73,7074.6,2711.93,False,0,0.77,19.82
LI-2024-INS004-002926,2021-03-18,3,52,55,1969,male,former_smoker,16.2,73,122,RI,USA,single,bachelors,heavy_blue_collar,27491.6,0.4532,full_paramedical,127,80,190,69,2.75,93,4.6,False,,1.74,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,0.97,5.0,False,False,False,False,15,UW-457,2.25,term_life,500000,annual,4593.33,20.0,none,,,,False,none,independent_broker,False,False,False,0.010433,0.044538,SOA_2015_VBT,SOA_Scale_MP2023,2.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013041,0.015,True,0.00354,1.0,False,,,,0.07,0.0936,False,normal_rate,5.16,0.88,False,False,False,False,False,0.76,38.4,35.7,preferred_longevity,72.8,baseline,1.16,0.467,True,36.4,False,,500000.0,39692.35,35916.47,36746.64,8727.33,False,0,4.95,-14.18
LI-2024-INS004-002927,2017-10-14,5,27,32,1990,female,never_smoker,34.6,59,171,SC,USA,married,some_college,white_collar,61434.39,0.3983,full_paramedical,114,68,250,55,4.55,105,6.0,False,85.5,,False,False,False,False,False,none,,pre_diabetes,none,schizophrenia,2,False,True,False,False,True,substandard_table_5,,5.0,False,False,False,False,37,UW-041,2.25,term_life,1000000,semi_annual,5915.08,20.0,none,,,,True,none,independent_broker,False,False,False,0.001289,0.005255,SOA_2015_VBT,SOA_Scale_MP2023,2.353,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001611,0.022,False,,1.0,False,,,,0.07,0.0967,False,normal_rate,6.01,1.1,False,False,False,False,False,0.966,70.0,55.0,super_preferred_longevity,100.0,baseline,1.201,0.55,False,,False,,1000000.0,44821.31,43295.7,47320.64,11238.65,False,0,0.69,-15.09
LI-2024-INS004-002928,2006-06-05,15,44,59,1962,male,never_smoker,29.2,70,203,RI,USA,married,graduate,light_blue_collar,69752.96,0.37,non_med_guaranteed,146,88,254,71,3.58,100,4.5,False,69.9,0.85,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-495,1.5,universal_life,1000000,quarterly,8284.04,,15yr_declining,9595.03,,,True,excess_of_loss,bank,False,False,False,0.010718,0.027488,SOA_2015_VBT,SOA_Scale_MP2023,1.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.015,False,,1.0,False,,,,0.04,0.0253,False,normal_rate,4.24,0.54,False,False,False,False,False,0.995,48.0,33.6,preferred_longevity,78.5,baseline,1.223,0.353,True,39.4,False,,990404.97,64621.16,62333.87,66272.32,15739.68,False,0,4.07,10.87
LI-2024-INS004-002929,2013-08-03,1,29,30,1984,male,never_smoker,25.8,60,132,MI,USA,widowed,bachelors,professional,48902.43,0.308,full_paramedical,97,58,189,54,3.5,71,,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-402,1.25,term_life,5000000,quarterly,14866.44,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.00146,0.003066,SOA_2015_VBT,SOA_Scale_MP2023,1.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000365,0.02,False,,1.0,False,,,,0.1,0.1454,False,normal_rate,1.8,2.39,False,False,False,False,False,0.789,63.4,55.0,super_preferred_longevity,99.6,baseline,1.269,0.286,False,,False,,5000000.0,119638.59,108181.8,118931.52,28246.24,False,0,1.93,11.0
LI-2024-INS004-002930,2002-01-26,5,70,75,1932,male,never_smoker,34.3,63,193,IN,USA,married,some_college,heavy_blue_collar,74615.3,0.5749,full_paramedical,133,77,233,47,4.96,114,4.9,False,90.7,7.44,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,0.64,4.0,False,False,False,False,20,UW-409,2.0,universal_life,2000000,annual,24036.06,,10yr_declining,17172.13,,,True,none,direct_to_consumer,False,False,False,0.038014,0.128131,SOA_2015_VBT,SOA_Scale_MP2023,2.218,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038014,0.005,False,,1.0,False,,,,0.08,0.0625,False,normal_rate,4.2,2.53,False,False,False,False,False,0.982,14.5,9.5,standard_longevity,35.4,baseline,1.069,0.549,False,,False,,1982827.87,85278.49,81490.16,91337.03,65858.8,False,0,3.36,-5.96
LI-2024-INS004-002931,2004-01-04,2,41,43,1963,male,never_smoker,23.0,75,183,KY,USA,married,less_than_hs,hazardous,233595.25,0.3959,limited_exam,125,78,184,41,4.49,88,5.3,False,,1.19,False,False,False,False,False,none,,none,none,none,8,False,True,False,True,True,preferred_plus,4.79,,True,False,False,False,37,UW-210,0.65,annuity_deferred,2000000,monthly,5030.3,,none,3069.18,,,True,none,independent_broker,False,False,False,0.003077,0.002539,SOA_2015_VBT,SOA_Scale_MP2023,0.686,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0553,False,normal_rate,2.67,2.17,False,False,False,False,False,0.974,48.2,46.2,super_preferred_longevity,87.7,baseline,1.203,0.428,False,,False,,1996930.82,40322.88,36930.97,40242.4,9557.57,False,0,3.81,23.53
LI-2024-INS004-002932,2013-06-14,10,37,47,1976,male,never_smoker,24.6,60,125,WY,USA,divorced,bachelors,light_blue_collar,208622.58,0.8921,simplified_issue,138,74,266,53,5.02,79,5.1,False,67.4,1.68,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-313,1.25,whole_life,1000000,quarterly,5048.21,,none,4719.84,,,True,quota_share,bank,True,False,False,0.004251,0.006237,SOA_2015_VBT,SOA_Scale_MP2023,1.465,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001063,0.018,False,,1.0,False,,,,0.02,0.0197,False,normal_rate,3.6,2.69,False,False,False,False,False,0.998,56.4,46.4,super_preferred_longevity,95.5,baseline,0.831,0.862,False,,False,,995280.16,37007.54,36005.93,40385.68,9591.6,False,0,0.88,12.15
LI-2024-INS004-002933,2015-08-23,11,31,42,1984,female,never_smoker,33.6,58,160,IN,USA,single,high_school,white_collar,52693.03,0.6134,full_paramedical,147,104,256,45,5.69,102,5.6,False,79.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-462,2.0,universal_life,250000,monthly,1668.81,,10yr_declining,1504.1,,,True,none,independent_broker,True,False,False,0.002366,0.007701,SOA_2015_VBT,SOA_Scale_MP2023,2.169,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.02,False,,1.0,False,,,,0.04,0.1762,True,normal_rate,5.55,1.41,False,False,False,False,False,0.886,66.7,55.0,super_preferred_longevity,100.0,baseline,1.04,0.704,False,,False,,248495.9,12481.64,13140.41,13350.48,3170.74,False,0,-0.36,-4.14
LI-2024-INS004-002934,2006-06-11,7,47,54,1959,female,current_smoker,17.2,65,103,WV,USA,married,high_school,white_collar,44160.95,0.8994,full_paramedical,100,65,189,57,3.32,97,,True,73.6,,False,False,False,False,False,none,,none,mild_gold_1,none,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-219,2.0,universal_life,250000,monthly,2084.62,,10yr_declining,1584.59,,,False,none,captive_agent,False,False,False,0.011001,0.031323,SOA_2015_VBT,SOA_Scale_MP2023,2.238,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011001,0.012,False,,1.0,False,,,,0.06,0.0265,False,normal_rate,4.06,2.04,False,False,False,False,False,0.894,47.4,48.8,super_preferred_longevity,99.2,baseline,0.825,0.88,True,90.6,False,,248415.41,17695.09,14894.1,16676.96,3960.78,False,0,2.84,-8.78
LI-2024-INS004-002935,2014-05-11,8,63,71,1951,male,never_smoker,28.9,72,213,AK,USA,married,bachelors,white_collar,156757.28,0.5724,full_paramedical,137,84,213,46,4.63,110,4.8,False,83.4,1.78,True,False,False,False,False,none,,none,none,bipolar,3,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-035,2.0,group_life,100000,annual,1182.82,,none,,,,False,none,captive_agent,False,False,False,0.026704,0.087376,SOA_2015_VBT,SOA_Scale_MP2023,2.122,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026704,0.012,False,,1.0,False,,,,0.12,0.149,False,normal_rate,4.62,2.76,False,False,False,False,False,0.95,24.9,16.9,standard_longevity,46.4,baseline,1.071,0.341,False,,False,,100000.0,8276.37,7882.9,7995.86,2540.7,False,0,1.01,-5.14
LI-2024-INS004-002936,2009-05-08,5,72,77,1937,female,never_smoker,41.1,60,210,NC,USA,divorced,some_college,light_blue_collar,81988.2,0.6307,accelerated_UW,130,68,214,29,7.38,112,5.4,False,,,False,True,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,13,UW-260,2.0,group_life,500000,annual,5656.46,,none,,,,False,none,independent_broker,False,False,False,0.037128,0.113502,SOA_2015_VBT,SOA_Scale_MP2023,2.003,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037128,0.005,False,,1.0,False,,,,0.15,0.1793,False,normal_rate,3.37,0.63,False,False,False,False,False,0.962,17.5,12.5,standard_longevity,40.7,baseline,1.027,0.786,False,,False,,500000.0,28474.35,25228.43,28282.3,14141.15,False,0,-0.4,-0.17
LI-2024-INS004-002937,2011-08-13,7,54,61,1957,male,never_smoker,27.9,70,194,MT,USA,single,high_school,white_collar,33592.48,0.7798,accelerated_UW,146,88,326,65,5.02,60,5.2,False,72.0,5.65,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,28,UW-053,1.5,annuity_deferred,500000,monthly,3731.58,,none,3181.99,,,False,none,bank,True,False,False,0.01207,0.023024,SOA_2015_VBT,SOA_Scale_MP2023,1.538,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006035,0.012,False,,1.0,False,,,,0.02,0.0215,False,normal_rate,2.09,1.6,False,False,False,False,False,0.914,35.6,28.6,preferred_longevity,67.1,baseline,0.915,0.838,False,,False,,496818.01,29281.62,27956.44,29852.64,7090.0,False,0,3.38,5.11
LI-2024-INS004-002938,2006-09-12,7,30,37,1976,male,former_smoker,25.5,74,198,HI,USA,married,less_than_hs,white_collar,178651.4,0.7535,simplified_issue,127,80,207,58,3.57,99,5.1,False,,,False,False,False,False,True,prostate,2.6,none,none,anxiety,2,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,43,UW-008,2.0,whole_life,250000,annual,1473.38,,none,1179.21,,,False,none,bank,False,False,False,0.002774,0.00859,SOA_2015_VBT,SOA_Scale_MP2023,2.242,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002774,0.018,False,,1.0,False,,,,0.02,0.0219,False,normal_rate,3.18,1.76,False,False,False,False,False,0.88,62.9,63.4,super_preferred_longevity,100.0,baseline,0.935,0.679,True,77.7,False,,248820.79,11126.55,11464.55,11787.04,2799.42,False,0,0.32,-6.56
LI-2024-INS004-002939,2011-11-07,11,80,91,1931,female,former_smoker,29.4,58,140,MO,USA,married,some_college,professional,68791.11,0.4315,full_paramedical,157,90,163,46,3.54,120,,False,40.6,,False,False,False,True,True,colorectal,4.7,none,none,anxiety,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,46,UW-221,2.5,group_life,500000,quarterly,9901.75,,none,,,,False,none,captive_agent,False,False,False,0.154473,0.725257,SOA_2015_VBT,SOA_Scale_MP2023,2.716,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.23171,0.005,False,,1.0,True,2025-06-12,voluntary_surrender,11.0,0.1,0.1355,False,normal_rate,3.01,1.63,False,False,True,True,False,0.793,7.8,1.0,sub_standard_longevity,20.5,baseline,1.176,0.455,False,,False,,500000.0,4320.61,3875.01,3960.7,33863.99,False,0,3.48,-20.0
LI-2024-INS004-002940,2014-03-08,10,41,51,1973,female,former_smoker,27.0,69,182,IN,USA,married,some_college,white_collar,20000.0,0.6723,non_med_guaranteed,127,79,200,58,3.45,97,5.2,False,72.1,,False,True,False,False,True,other,0.8,none,none,none,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,27,UW-482,2.5,term_life,1000000,annual,11639.1,20.0,none,,,,True,none,independent_broker,False,False,False,0.006033,0.025522,SOA_2015_VBT,SOA_Scale_MP2023,2.742,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00905,0.018,False,,1.0,False,,,,0.05,0.0581,False,normal_rate,3.99,1.54,False,False,False,False,False,0.956,55.1,49.3,super_preferred_longevity,96.5,baseline,0.996,0.69,True,61.8,False,,1000000.0,101373.83,90556.49,93112.8,22114.29,False,0,2.11,-13.15
LI-2024-INS004-002941,2003-11-21,14,74,88,1929,male,former_smoker,39.0,63,219,WI,USA,divorced,high_school,white_collar,131621.82,0.3293,limited_exam,137,82,253,42,6.02,110,6.2,False,,15.36,False,True,False,False,False,none,,pre_diabetes,none,substance_use_disorder,1,False,False,False,False,True,standard,,,False,True,False,False,48,UW-356,1.0,term_life,250000,monthly,1705.31,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.115607,0.147321,SOA_2015_VBT,SOA_Scale_MP2023,1.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0603,False,normal_rate,5.08,2.39,False,False,False,False,False,0.756,9.6,1.0,sub_standard_longevity,18.9,baseline,1.253,0.449,False,,False,,250000.0,655.32,679.08,682.12,5832.16,False,0,2.19,15.65
LI-2024-INS004-002942,2010-06-19,6,75,81,1935,female,never_smoker,23.0,63,129,NE,USA,married,bachelors,professional,141417.21,0.2892,full_paramedical,151,82,196,45,4.36,104,5.3,False,92.7,,False,False,False,False,True,melanoma,0.5,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,35,UW-366,1.0,group_life,250000,annual,1677.53,,none,,,,False,none,captive_agent,False,False,False,0.052027,0.068625,SOA_2015_VBT,SOA_Scale_MP2023,1.028,cardiovascular,True,2014-01-04,False,False,1696283.82,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.12,0.1762,False,normal_rate,4.12,1.47,False,False,False,False,False,0.851,12.8,6.8,sub_standard_longevity,27.0,baseline,1.283,0.224,False,,False,,250000.0,4205.68,4477.51,4562.88,4958.78,False,0,2.57,21.21
LI-2024-INS004-002943,2011-09-08,3,22,25,1989,female,unknown,25.1,72,185,TN,USA,single,high_school,white_collar,59975.92,0.6471,simplified_issue,127,71,208,68,3.06,69,,False,97.3,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,,,False,False,False,False,4,UW-429,0.98,whole_life,250000,semi_annual,529.9,,none,363.16,,,False,none,employer_group,True,False,False,0.001088,0.001095,SOA_2015_VBT,SOA_Scale_MP2023,0.992,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0568,False,normal_rate,4.33,2.2,True,False,False,False,False,0.919,70.0,55.0,super_preferred_longevity,100.0,baseline,1.015,0.756,False,,False,,249636.84,4601.51,3763.81,4239.2,1006.81,False,0,3.95,22.04
LI-2024-INS004-002944,2001-03-11,20,18,38,1983,female,never_smoker,20.4,61,107,TN,USA,married,bachelors,white_collar,20000.0,0.5203,full_paramedical,99,64,165,57,2.89,78,4.9,False,69.4,,False,False,True,False,False,none,,none,none,none,6,False,False,False,False,False,preferred_plus,,,False,False,False,False,30,UW-210,0.58,term_life,500000,annual,835.27,10.0,none,,,,False,none,worksite,True,False,False,0.001816,0.001252,SOA_2015_VBT,SOA_Scale_MP2023,0.621,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0385,False,normal_rate,4.44,2.05,False,False,False,False,True,0.98,70.0,50.0,super_preferred_longevity,100.0,baseline,1.11,0.503,False,,False,,500000.0,6872.71,6125.42,6682.16,1587.01,False,0,5.2,27.12
LI-2024-INS004-002945,2000-05-03,7,47,54,1953,male,never_smoker,24.9,68,163,RI,USA,married,high_school,light_blue_collar,36247.2,0.9512,full_paramedical,148,97,244,54,4.52,98,5.3,False,76.2,6.84,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-252,2.0,term_life,5000000,semi_annual,45519.7,20.0,none,,,,True,none,bank,True,False,False,0.006395,0.017643,SOA_2015_VBT,SOA_Scale_MP2023,2.236,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006395,0.012,False,,1.0,False,,,,0.05,0.047,False,normal_rate,2.83,1.06,False,False,False,False,False,0.791,42.7,35.7,super_preferred_longevity,80.3,baseline,0.787,0.89,False,,False,,5000000.0,362885.11,322936.62,364157.6,86487.43,False,0,4.36,-6.09
LI-2024-INS004-002946,2008-03-19,15,58,73,1950,female,never_smoker,26.0,70,181,NM,USA,divorced,some_college,professional,53339.52,0.7432,full_paramedical,127,76,206,54,3.81,99,,False,62.1,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,25,UW-012,0.65,term_life,100000,semi_annual,435.22,20.0,none,,,,False,none,captive_agent,False,False,False,0.025138,0.015331,SOA_2015_VBT,SOA_Scale_MP2023,0.647,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0332,False,normal_rate,2.55,0.99,False,True,False,False,False,0.943,34.4,19.4,standard_longevity,52.7,baseline,0.943,0.867,False,,False,,100000.0,3254.68,2959.37,3377.31,847.81,False,0,3.31,28.04
LI-2024-INS004-002947,2016-04-14,11,44,55,1972,male,current_smoker,22.4,66,138,LA,USA,married,some_college,professional,46752.88,0.7959,non_med_guaranteed,136,84,189,58,3.26,111,5.7,True,86.9,4.31,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,25,UW-256,1.0,term_life,250000,quarterly,1173.17,15.0,none,,,,False,none,captive_agent,False,False,False,0.016051,0.01451,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0319,False,normal_rate,4.41,1.48,False,False,False,False,False,0.92,48.4,37.4,super_preferred_longevity,80.5,baseline,0.903,0.663,False,,False,,250000.0,9554.36,8797.19,9385.36,2229.02,False,0,2.6,24.6
LI-2024-INS004-002948,2000-05-23,19,47,66,1953,female,unknown,15.0,60,90,TX,USA,single,high_school,white_collar,130296.89,0.9024,full_paramedical,116,79,143,74,1.93,93,5.4,False,52.9,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,declined,,,False,False,True,False,26,UW-438,7.0,whole_life,500000,annual,19764.15,,none,25402.62,,,True,none,direct_to_consumer,False,True,False,0.01628,0.197591,SOA_2015_VBT,SOA_Scale_MP2023,7.455,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.097681,0.012,False,,1.0,False,,,,0.015,0.0205,False,normal_rate,3.07,1.14,False,False,False,False,False,0.815,46.5,27.5,preferred_longevity,67.3,baseline,0.823,0.823,False,,False,,474597.38,154655.33,136901.08,158113.2,37551.89,False,0,-5.0,-20.0
LI-2024-INS004-002949,2006-01-03,15,49,64,1957,male,current_smoker,22.8,72,167,IA,USA,divorced,high_school,white_collar,124932.4,0.2214,full_paramedical,122,82,164,67,2.45,109,5.7,True,,9.98,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,23,UW-131,1.5,term_life,2000000,monthly,14955.98,25.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.031238,0.082749,SOA_2015_VBT,SOA_Scale_MP2023,1.611,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015619,0.012,False,,1.0,False,,,,0.03,0.064,False,normal_rate,1.24,2.98,False,False,False,False,False,0.752,38.4,23.4,standard_longevity,50.9,baseline,1.334,0.251,False,,False,,2000000.0,108630.85,113979.74,119647.84,28416.36,False,0,1.89,2.15
LI-2024-INS004-002950,2019-10-26,8,60,68,1959,male,never_smoker,29.6,60,151,UT,USA,married,bachelors,heavy_blue_collar,26603.18,0.5555,full_paramedical,139,98,124,60,2.07,107,5.2,False,,6.37,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,1.32,2.0,False,False,False,False,4,UW-121,1.5,universal_life,1000000,monthly,9711.25,,10yr_declining,8374.78,,,True,quota_share,direct_to_consumer,False,False,False,0.022639,0.051542,SOA_2015_VBT,SOA_Scale_MP2023,1.64,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011319,0.012,False,,1.0,False,,,,0.06,0.0475,False,normal_rate,1.75,1.24,False,False,False,False,False,0.947,32.0,26.1,preferred_longevity,70.0,baseline,1.083,0.531,True,60.2,False,,991625.22,78031.53,80087.25,77690.0,18451.38,False,0,0.72,5.94
LI-2024-INS004-002951,2003-05-04,8,70,78,1933,female,current_smoker,34.2,62,187,UT,USA,single,some_college,white_collar,35499.28,0.4896,full_paramedical,143,91,225,36,6.25,106,9.0,True,64.3,,False,False,False,False,False,none,,type_2,very_severe_gold_4,none,0,False,False,False,False,True,declined,,,False,False,True,False,21,UW-057,7.0,universal_life,2000000,monthly,104738.7,,10yr_declining,92174.42,,,True,none,bank,False,False,False,0.079406,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.865,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.476437,0.005,False,,1.0,False,,,,0.06,0.0353,False,normal_rate,4.5,0.75,False,False,False,False,False,0.95,18.3,11.4,standard_longevity,36.9,baseline,1.133,0.363,False,,True,0.727,1907825.58,431978.9,477642.96,477608.47,271063.76,False,0,-5.0,-20.0
LI-2024-INS004-002952,2002-09-01,23,40,63,1962,male,never_smoker,30.3,61,160,MO,USA,widowed,high_school,white_collar,23845.49,0.8734,full_paramedical,136,92,221,37,5.97,93,,False,80.8,6.52,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,40,UW-196,1.25,universal_life,250000,annual,1509.58,,10yr_declining,2342.29,,,False,none,captive_agent,True,False,False,0.015082,0.020439,SOA_2015_VBT,SOA_Scale_MP2023,1.308,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003771,0.015,False,,1.0,False,,,,0.04,0.0401,False,normal_rate,4.8,1.16,False,False,False,False,False,0.866,51.0,28.0,preferred_longevity,67.6,baseline,0.845,0.789,False,,False,,247657.71,11477.54,11056.12,12076.64,2868.2,False,0,5.01,17.61
LI-2024-INS004-002953,2013-03-23,13,41,54,1972,female,current_smoker,29.6,67,188,NM,USA,married,bachelors,light_blue_collar,80164.04,0.4805,limited_exam,125,77,227,51,4.45,92,,True,92.5,,False,False,False,False,True,melanoma,5.5,none,mild_gold_1,anxiety,4,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,24,UW-099,2.0,group_life,500000,annual,5065.21,,none,,,,True,quota_share,captive_agent,False,False,False,0.011827,0.040671,SOA_2015_VBT,SOA_Scale_MP2023,2.14,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011827,0.018,False,,1.0,False,,,,0.1,0.1316,False,normal_rate,1.9,0.65,True,False,False,False,False,0.863,54.2,41.2,super_preferred_longevity,81.5,baseline,1.14,0.454,False,,False,,500000.0,41016.5,39356.67,40521.68,9623.9,False,0,0.99,-6.15
LI-2024-INS004-002954,2023-09-04,2,60,62,1963,male,former_smoker,22.9,76,188,AL,USA,divorced,high_school,white_collar,55907.47,0.8992,limited_exam,128,79,232,78,2.97,89,4.4,False,57.1,2.16,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,standard_plus,,,False,False,False,False,15,UW-452,0.92,term_life,250000,annual,1266.77,15.0,none,,,,False,none,captive_agent,True,False,False,0.018266,0.014191,SOA_2015_VBT,SOA_Scale_MP2023,0.941,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.0686,False,normal_rate,2.36,2.81,False,False,False,False,True,0.843,31.2,29.2,preferred_longevity,69.8,baseline,0.826,1.0,False,,False,,250000.0,11021.49,9292.93,10134.16,2406.86,False,0,5.54,24.79
LI-2024-INS004-002955,2014-09-22,11,36,47,1978,male,never_smoker,33.1,63,187,WY,USA,single,high_school,professional,76865.83,0.7365,full_paramedical,140,86,262,45,5.82,107,5.1,False,82.1,5.68,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-465,2.25,term_life,500000,annual,4548.18,30.0,none,,,,False,none,captive_agent,False,False,False,0.004251,0.015074,SOA_2015_VBT,SOA_Scale_MP2023,2.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005314,0.018,False,,1.0,False,,,,0.03,0.0333,False,normal_rate,1.74,1.78,False,False,False,False,False,0.829,57.1,46.1,super_preferred_longevity,92.7,baseline,0.948,0.476,False,,False,,500000.0,32867.95,33146.61,36385.44,8641.54,False,0,-0.01,-1.85
LI-2024-INS004-002956,2008-04-09,18,71,89,1937,female,former_smoker,32.7,61,173,AL,USA,married,graduate,white_collar,20000.0,0.3648,limited_exam,158,89,268,42,6.38,91,4.4,False,43.6,,False,False,True,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-153,2.0,term_life,250000,quarterly,3253.42,15.0,none,,,,False,none,bank,False,False,False,0.134943,0.481819,SOA_2015_VBT,SOA_Scale_MP2023,2.096,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.134943,0.005,False,,1.0,False,,,,0.03,0.0422,False,normal_rate,3.31,1.05,False,False,False,False,False,0.92,20.4,2.4,sub_standard_longevity,31.6,baseline,1.226,0.428,False,,False,,250000.0,3157.09,3217.79,3123.28,10762.31,False,0,-0.82,-2.54
LI-2024-INS004-002957,2002-02-27,14,63,77,1939,male,former_smoker,29.5,76,242,TX,USA,married,some_college,white_collar,22637.71,0.6105,full_paramedical,142,87,218,35,6.23,81,,False,64.1,3.24,False,False,True,False,True,lung,10.5,none,none,none,0,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,29,UW-209,4.0,indexed_ul,250000,monthly,7214.2,,10yr_declining,7908.14,,,False,none,captive_agent,False,False,False,0.060941,0.518658,SOA_2015_VBT,SOA_Scale_MP2023,5.288,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.182824,0.005,False,,1.0,False,,,,0.04,0.0485,False,normal_rate,2.81,2.03,False,False,False,False,False,0.773,25.7,11.7,standard_longevity,49.2,baseline,1.042,0.667,False,,False,,242091.86,33315.7,33112.42,33762.46,18497.21,False,0,-2.26,-20.0
LI-2024-INS004-002958,2006-03-05,14,42,56,1964,male,never_smoker,30.5,71,218,MN,USA,married,some_college,professional,28752.78,0.55,full_paramedical,135,73,233,38,6.13,126,8.0,False,64.0,3.82,False,False,False,False,True,colorectal,0.5,type_2,none,anxiety,5,False,False,False,False,True,standard,,,False,True,False,False,38,UW-310,1.0,term_life,500000,monthly,2070.76,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.008588,0.01003,SOA_2015_VBT,SOA_Scale_MP2023,1.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0529,False,normal_rate,3.54,2.59,False,False,False,False,False,0.913,48.0,34.0,preferred_longevity,71.8,baseline,1.087,0.457,False,,False,,500000.0,15824.49,17089.71,16566.08,3934.44,False,0,0.94,12.55
LI-2024-INS004-002959,2000-06-28,10,30,40,1970,male,never_smoker,20.0,72,147,AR,USA,divorced,high_school,hazardous,44984.77,0.5275,limited_exam,131,82,264,52,5.08,120,,False,99.0,0.42,False,False,True,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_1,4.88,1.0,True,False,False,False,30,UW-222,1.25,term_life,2000000,annual,9254.74,30.0,none,,,,True,none,bank,False,False,False,0.002583,0.004319,SOA_2015_VBT,SOA_Scale_MP2023,1.288,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000646,0.018,False,,1.0,False,,,,0.05,0.0639,False,normal_rate,3.43,2.77,False,False,False,False,False,0.767,64.0,54.0,super_preferred_longevity,100.0,baseline,1.104,0.495,False,,False,,2000000.0,81300.67,75013.43,74037.92,17584.01,False,0,-0.73,14.95
LI-2024-INS004-002960,2020-03-03,4,21,25,1999,male,never_smoker,15.5,67,99,MS,USA,married,some_college,heavy_blue_collar,26141.08,0.4913,full_paramedical,101,65,161,59,2.73,109,5.0,False,,,False,False,False,False,False,none,,none,none,none,5,False,False,False,True,True,declined,,,False,False,True,False,31,UW-007,7.0,annuity_deferred,500000,monthly,7842.26,,none,5621.01,,,False,none,direct_to_consumer,False,False,False,0.001183,0.021925,SOA_2015_VBT,SOA_Scale_MP2023,7.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007096,0.022,True,0.00538,1.0,False,,,,0.04,0.0732,False,normal_rate,4.63,0.77,False,False,False,False,False,0.844,70.0,55.0,super_preferred_longevity,100.0,baseline,1.132,0.522,False,,False,,494378.99,63582.78,64797.59,62738.08,14900.29,False,0,-5.0,-20.0
LI-2024-INS004-002961,2020-02-09,1,74,75,1946,female,never_smoker,29.7,59,146,SD,USA,divorced,high_school,white_collar,248206.62,0.5821,full_paramedical,126,74,267,60,4.45,93,,False,,,False,True,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-289,1.25,annuity_deferred,250000,annual,1853.88,,none,1217.11,,,False,none,captive_agent,False,False,False,0.030803,0.055302,SOA_2015_VBT,SOA_Scale_MP2023,1.382,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007701,0.008,True,0.00233,1.0,False,,,,0.06,0.0741,False,normal_rate,3.85,2.44,False,False,False,True,False,0.888,16.9,13.6,standard_longevity,41.6,baseline,1.063,0.497,True,43.9,True,-1.88,248782.89,10116.4,10357.41,10085.11,4471.56,False,0,2.44,14.37
LI-2024-INS004-002962,2023-09-26,3,24,27,1999,female,former_smoker,30.0,66,185,WI,USA,married,bachelors,white_collar,20104.24,0.8823,full_paramedical,103,60,156,49,3.18,98,4.7,False,,,False,False,True,False,True,breast,5.4,none,none,none,6,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,30,UW-119,1.25,whole_life,500000,monthly,1274.92,,none,890.0,,,False,none,direct_to_consumer,True,False,False,0.00133,0.001922,SOA_2015_VBT,SOA_Scale_MP2023,1.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000332,0.022,False,,1.0,False,,,,0.04,0.0557,False,normal_rate,3.73,1.19,False,False,False,False,False,0.921,70.0,55.0,super_preferred_longevity,100.0,baseline,0.838,0.992,False,,False,,499110.0,9782.49,9709.91,10199.36,2422.35,False,0,3.28,22.03
LI-2024-INS004-002963,2005-09-22,17,64,81,1941,female,former_smoker,29.7,59,146,DE,USA,single,bachelors,white_collar,47749.95,0.7642,full_paramedical,149,92,230,41,5.61,114,4.7,False,,,True,False,False,False,True,colorectal,10.0,none,none,bipolar,6,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,35,UW-102,2.0,term_life,100000,monthly,1492.14,15.0,none,,,,False,none,independent_broker,False,False,False,0.064827,0.19353,SOA_2015_VBT,SOA_Scale_MP2023,2.142,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064827,0.008,False,,1.0,False,,,,0.03,0.0327,False,normal_rate,4.2,0.66,False,False,False,False,False,0.992,26.8,9.8,standard_longevity,38.7,baseline,0.927,0.866,False,,False,,100000.0,5410.99,5956.15,5849.19,4052.65,False,0,3.07,-7.13
LI-2024-INS004-002964,2016-04-16,7,69,76,1947,male,unknown,25.3,64,147,GA,USA,married,bachelors,heavy_blue_collar,86862.59,0.1642,full_paramedical,131,89,267,63,4.24,87,,False,65.9,10.31,False,False,False,False,True,lung,5.7,none,none,schizophrenia,4,False,False,False,False,True,declined,,,False,False,True,False,24,UW-306,7.0,universal_life,250000,quarterly,11170.05,,15yr_declining,9200.78,,,False,none,employer_group,False,False,False,0.048708,0.800389,SOA_2015_VBT,SOA_Scale_MP2023,7.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.292248,0.008,False,,1.0,False,,,,0.06,0.0508,False,normal_rate,3.73,1.93,False,False,False,False,False,0.792,16.3,9.3,sub_standard_longevity,28.9,baseline,1.377,0.158,False,,False,,240799.22,38640.19,42324.41,41552.59,30784.66,False,0,-5.0,-20.0
LI-2024-INS004-002965,2005-07-22,10,55,65,1950,female,never_smoker,27.1,60,138,TX,USA,married,some_college,professional,48721.73,0.3619,limited_exam,114,63,239,53,4.51,115,4.9,False,78.0,,True,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,39,UW-168,2.5,universal_life,250000,quarterly,3181.76,,10yr_declining,2887.56,,,False,none,independent_broker,False,False,False,0.01252,0.060293,SOA_2015_VBT,SOA_Scale_MP2023,2.699,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018779,0.012,False,,1.0,False,,,,0.06,0.0381,False,normal_rate,3.3,1.53,False,False,False,False,False,0.951,35.9,29.0,preferred_longevity,61.4,baseline,1.229,0.371,True,69.0,False,,247112.44,27994.98,22131.21,25454.08,6045.34,False,0,1.5,-20.0
LI-2024-INS004-002966,2008-01-02,9,58,67,1950,female,never_smoker,35.9,67,229,KS,USA,married,bachelors,white_collar,50452.28,0.3824,full_paramedical,124,66,233,32,7.28,121,4.5,False,95.9,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-332,1.5,term_life,250000,monthly,2034.85,15.0,none,,,,False,none,bank,False,False,False,0.014892,0.036805,SOA_2015_VBT,SOA_Scale_MP2023,1.625,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007446,0.012,False,,1.0,False,,,,0.05,0.0697,False,normal_rate,3.1,2.44,False,False,False,True,False,0.886,33.0,24.0,standard_longevity,54.2,baseline,1.213,0.436,False,,False,,250000.0,16830.84,13890.13,16278.8,3866.21,False,0,4.72,1.09
LI-2024-INS004-002967,2023-03-19,3,46,49,1977,female,never_smoker,16.9,67,107,WV,USA,divorced,bachelors,light_blue_collar,58667.0,0.8234,full_paramedical,86,50,158,60,2.63,77,5.1,False,105.3,,False,True,False,False,False,none,,none,none,depression,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,49,UW-245,1.25,whole_life,1000000,semi_annual,4708.62,,none,3209.18,,,True,none,captive_agent,False,False,False,0.003965,0.00582,SOA_2015_VBT,SOA_Scale_MP2023,1.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000991,0.018,False,,1.0,False,,,,0.04,0.0417,False,normal_rate,2.49,1.41,False,False,False,False,False,0.886,51.3,48.3,super_preferred_longevity,97.3,baseline,0.882,0.914,False,,False,,996790.82,33975.25,34534.38,37668.96,8946.38,False,0,3.2,16.06
LI-2024-INS004-002968,2024-06-01,2,45,47,1979,female,unknown,24.7,58,118,IL,USA,married,some_college,professional,71765.65,0.9257,full_paramedical,133,84,261,52,5.02,72,4.2,False,75.2,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-473,2.0,term_life,250000,monthly,1941.08,25.0,none,,,,True,none,employer_group,False,False,False,0.003911,0.010266,SOA_2015_VBT,SOA_Scale_MP2023,2.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003911,0.018,False,,1.0,False,,,,0.07,0.0806,False,normal_rate,3.95,0.95,False,False,False,False,False,0.771,53.0,55.8,super_preferred_longevity,100.0,baseline,0.806,1.0,True,61.9,False,,250000.0,14442.29,16040.64,15528.64,3688.05,False,0,2.45,-8.2
LI-2024-INS004-002969,2016-04-23,6,22,28,1994,male,never_smoker,29.4,73,222,IN,USA,single,some_college,heavy_blue_collar,20000.0,0.7309,full_paramedical,137,97,195,41,4.76,60,4.7,False,106.0,,False,False,False,False,False,none,,none,none,depression,3,True,False,False,True,True,substandard_table_2,4.95,2.0,True,False,False,False,46,UW-212,1.5,term_life,1000000,semi_annual,3951.91,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001334,0.002639,SOA_2015_VBT,SOA_Scale_MP2023,1.553,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000667,0.022,False,,1.0,False,,,,0.05,0.0558,False,normal_rate,3.46,1.2,False,False,False,False,False,0.777,70.0,55.0,super_preferred_longevity,100.0,baseline,0.952,0.808,False,,False,,1000000.0,33857.46,31154.86,31615.28,7508.63,False,0,2.23,6.52
LI-2024-INS004-002970,2018-02-10,7,77,84,1941,male,unknown,28.9,63,162,AZ,USA,single,some_college,professional,83043.46,0.8436,simplified_issue,138,83,230,43,5.35,86,,False,64.1,9.75,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-203,2.0,universal_life,1000000,monthly,12717.04,,15yr_declining,9699.41,,,True,quota_share,bank,False,False,False,0.092796,0.26728,SOA_2015_VBT,SOA_Scale_MP2023,2.168,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.092796,0.008,False,,1.0,False,,,,0.06,0.0277,False,normal_rate,3.78,1.85,False,False,False,False,False,0.878,10.2,3.2,sub_standard_longevity,30.0,baseline,0.867,0.748,False,,False,,990300.59,15280.27,15955.51,16277.81,41254.08,False,0,-1.32,-12.26
LI-2024-INS004-002971,2023-11-24,4,55,59,1968,non_binary,never_smoker,26.3,61,139,HI,USA,widowed,high_school,light_blue_collar,72192.72,0.7042,limited_exam,148,90,227,41,5.54,97,5.1,False,,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-114,1.5,term_life,1000000,quarterly,6491.52,20.0,none,,,,True,none,captive_agent,True,False,False,0.010093,0.0213,SOA_2015_VBT,SOA_Scale_MP2023,1.657,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005047,0.015,False,,1.0,False,,,,0.07,0.0796,False,normal_rate,3.59,1.62,False,False,False,False,False,0.773,36.2,32.2,preferred_longevity,71.4,baseline,0.972,0.763,False,,False,,1000000.0,50586.68,48012.99,51932.16,12333.89,False,0,1.17,0.11
LI-2024-INS004-002972,2008-04-04,11,30,41,1978,male,unknown,23.7,73,179,AK,USA,married,graduate,professional,33339.32,0.7051,accelerated_UW,135,89,203,57,3.56,91,,False,91.4,2.76,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,20,UW-001,1.25,indexed_ul,1000000,monthly,3882.13,,10yr_declining,3657.22,,,True,none,independent_broker,False,False,False,0.003176,0.005108,SOA_2015_VBT,SOA_Scale_MP2023,1.399,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000794,0.018,False,,1.0,True,2025-06-28,non_payment,11.0,0.04,0.1772,True,normal_rate,5.05,2.06,True,False,False,False,False,0.904,63.0,52.2,super_preferred_longevity,100.0,baseline,0.971,0.748,True,34.8,False,,996342.78,33615.51,28143.48,31057.04,7376.05,False,0,4.78,11.18
LI-2024-INS004-002973,2020-07-10,3,65,68,1955,male,current_smoker,27.4,65,164,MO,USA,married,high_school,white_collar,128527.38,0.6363,accelerated_UW,130,83,210,59,3.56,93,,True,,4.91,False,False,True,False,True,prostate,3.0,none,moderate_gold_2,none,2,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,True,36,UW-170,2.5,universal_life,500000,monthly,6260.06,,10yr_declining,4455.51,,,False,none,captive_agent,False,False,False,0.043143,0.188628,SOA_2015_VBT,SOA_Scale_MP2023,2.636,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064714,0.012,True,0.0076,1.0,False,,,,0.08,0.0429,False,normal_rate,6.9,2.35,False,False,False,False,False,0.936,26.8,23.8,preferred_longevity,67.7,baseline,1.023,0.553,False,,False,,495544.49,48208.33,42966.54,50080.48,11894.11,False,0,-1.64,-15.95
LI-2024-INS004-002974,2017-08-02,8,74,82,1943,female,unknown,18.9,60,96,AR,USA,divorced,bachelors,light_blue_collar,41480.08,0.488,limited_exam,136,94,212,66,3.21,92,5.3,False,57.0,,False,False,True,False,False,none,,none,none,bipolar,5,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,53,UW-428,2.0,universal_life,250000,monthly,3250.53,,15yr_declining,2690.22,,,False,none,captive_agent,False,False,False,0.06353,0.208698,SOA_2015_VBT,SOA_Scale_MP2023,2.015,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.06353,0.008,False,,1.0,False,,,,0.06,0.0354,False,normal_rate,2.66,1.5,False,False,False,False,False,0.961,19.0,11.0,standard_longevity,46.3,baseline,1.134,0.362,False,,False,,247309.78,15202.19,14420.94,14302.33,8516.39,False,0,3.57,-16.36
LI-2024-INS004-002975,2014-04-25,8,29,37,1985,female,former_smoker,29.1,72,214,TN,USA,married,some_college,professional,42824.58,0.5145,limited_exam,130,72,253,42,6.02,103,5.3,False,90.4,,False,True,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-111,2.25,annuity_deferred,100000,semi_annual,794.99,,none,635.92,,,False,none,captive_agent,True,False,False,0.00222,0.008942,SOA_2015_VBT,SOA_Scale_MP2023,2.494,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002774,0.02,False,,1.0,False,,,,0.02,0.0258,False,normal_rate,3.14,2.17,False,False,False,False,False,0.997,68.4,55.0,super_preferred_longevity,100.0,baseline,1.114,0.623,False,,False,,99364.08,6173.39,5586.52,6359.92,1510.48,False,0,1.98,-12.43
LI-2024-INS004-002976,2016-06-19,3,24,27,1992,female,never_smoker,30.7,61,162,CT,USA,married,bachelors,white_collar,43122.56,0.7535,full_paramedical,125,73,193,48,4.02,97,5.2,False,98.1,,False,False,False,False,False,none,,none,none,depression,11,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,61,UW-024,1.25,indexed_ul,2000000,monthly,5598.89,,10yr_declining,3730.11,,,True,quota_share,worksite,True,False,False,0.001023,0.001509,SOA_2015_VBT,SOA_Scale_MP2023,1.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000256,0.022,False,,1.0,False,,,,0.08,0.0395,False,normal_rate,5.14,1.82,False,False,False,False,False,0.856,70.0,55.0,super_preferred_longevity,100.0,baseline,0.935,0.658,False,,False,,1996269.89,42072.07,44382.21,44791.12,10637.89,False,0,3.79,4.99
LI-2024-INS004-002977,2004-12-05,15,70,85,1934,male,current_smoker,37.0,76,303,OR,USA,divorced,bachelors,professional,88524.67,0.679,limited_exam,136,91,235,22,10.68,137,5.4,True,,18.87,False,True,False,False,False,none,,none,mild_gold_1,anxiety,1,False,True,False,True,True,substandard_table_5,,5.0,False,False,False,False,33,UW-258,2.25,indexed_ul,1000000,annual,16316.62,,15yr_declining,17873.93,,,True,quota_share,direct_to_consumer,False,False,False,0.182466,0.676231,SOA_2015_VBT,SOA_Scale_MP2023,2.479,neurological,True,2018-12-29,False,False,1630416.15,0.0007,5e-05,1.095,0.228082,0.005,False,,1.0,False,,,,0.04,0.0292,False,normal_rate,4.74,1.29,False,False,False,False,False,0.787,15.2,1.0,sub_standard_longevity,24.2,baseline,0.991,0.543,False,,False,,982126.07,6548.04,6008.86,6526.65,55802.84,False,0,0.61,-16.1
LI-2024-INS004-002978,2005-11-07,4,45,49,1960,male,unknown,26.8,69,181,NY,USA,married,high_school,professional,143275.71,0.6549,full_paramedical,140,87,226,53,4.26,95,5.2,False,85.5,1.78,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-088,2.25,term_life,500000,monthly,4078.15,25.0,none,,,,False,none,independent_broker,False,False,False,0.005285,0.019092,SOA_2015_VBT,SOA_Scale_MP2023,2.342,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006606,0.015,False,,1.0,False,,,,0.07,0.0823,False,normal_rate,4.18,0.56,False,False,False,False,False,0.938,44.8,40.8,super_preferred_longevity,83.5,baseline,1.009,0.583,False,,False,,500000.0,32421.82,31223.98,32625.2,7748.48,False,0,0.67,-11.91
LI-2024-INS004-002979,2019-07-25,8,48,56,1971,male,never_smoker,26.3,76,215,MN,USA,widowed,bachelors,professional,148408.71,0.3801,full_paramedical,143,88,214,43,4.98,98,,False,70.2,5.69,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-091,1.25,whole_life,500000,annual,2562.7,,none,2029.41,,,False,none,direct_to_consumer,False,False,False,0.008719,0.016426,SOA_2015_VBT,SOA_Scale_MP2023,1.345,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00218,0.018,False,,1.0,False,,,,0.02,0.0391,False,normal_rate,3.09,2.03,False,False,False,False,False,0.836,42.6,34.6,preferred_longevity,70.1,baseline,1.215,0.278,False,,False,,497970.59,18465.7,17951.85,20501.6,4869.13,False,0,4.42,11.01
LI-2024-INS004-002980,2005-10-14,2,77,79,1928,male,never_smoker,21.7,69,146,MT,USA,married,some_college,white_collar,87005.94,0.5557,full_paramedical,139,85,188,53,3.55,68,6.2,False,70.4,2.08,False,False,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,29,UW-351,1.25,whole_life,500000,monthly,4483.19,,none,2864.84,,,False,none,independent_broker,False,False,False,0.04066,0.07209,SOA_2015_VBT,SOA_Scale_MP2023,1.406,respiratory,True,2006-06-30,True,False,1638825.42,0.0007,5e-05,1.095,0.010165,0.012,False,,1.0,False,,,,0.04,0.0502,False,normal_rate,2.72,0.79,False,False,False,False,False,0.851,7.4,5.1,sub_standard_longevity,28.5,baseline,1.083,0.421,True,11.4,False,,497135.16,8379.29,9012.54,9145.71,13862.02,False,0,2.07,14.13
LI-2024-INS004-002981,2009-05-25,6,43,49,1966,female,never_smoker,21.9,70,152,WA,USA,married,some_college,heavy_blue_collar,169042.52,0.7746,accelerated_UW,122,70,174,54,3.22,77,4.5,False,,,False,False,False,False,True,colorectal,12.3,none,none,none,1,False,False,False,False,True,substandard_table_1,1.07,1.0,False,False,False,True,50,UW-405,1.25,term_life,2000000,quarterly,10867.69,15.0,none,,,,True,quota_share,employer_group,False,False,False,0.003965,0.005634,SOA_2015_VBT,SOA_Scale_MP2023,1.274,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000991,0.015,False,,1.0,False,,,,0.05,0.253,False,normal_rate,4.54,1.88,False,False,False,True,False,0.993,52.2,45.4,super_preferred_longevity,92.2,baseline,0.919,0.864,True,47.6,True,-1.91,2000000.0,91731.75,87590.29,86941.52,20648.61,False,0,3.3,13.55
LI-2024-INS004-002982,2022-07-13,5,78,83,1944,female,current_smoker,27.4,72,202,OK,USA,married,bachelors,professional,51778.98,0.4183,simplified_issue,142,97,176,63,2.79,107,5.4,True,80.4,,False,False,False,False,False,none,,none,mild_gold_1,none,18,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,41,UW-268,2.0,term_life,2000000,monthly,30513.94,15.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.121388,0.438796,SOA_2015_VBT,SOA_Scale_MP2023,2.172,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.121388,0.008,True,0.00464,1.0,False,,,,0.07,0.1338,False,normal_rate,3.62,1.58,False,False,False,False,False,0.888,11.9,5.2,sub_standard_longevity,26.6,baseline,1.186,0.304,False,,True,-1.162,2000000.0,68233.15,55867.47,63469.0,94104.99,False,0,-2.52,-11.17
LI-2024-INS004-002983,2023-09-22,2,42,44,1981,male,never_smoker,20.6,75,165,PA,USA,married,some_college,white_collar,59600.3,0.3751,non_med_guaranteed,115,73,223,48,4.65,84,4.3,False,,0.94,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,10,UW-263,1.0,term_life,500000,annual,1983.23,15.0,none,,,,False,none,bank,False,False,False,0.003406,0.004171,SOA_2015_VBT,SOA_Scale_MP2023,1.005,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.098,False,normal_rate,3.66,2.19,False,False,False,False,False,0.991,53.3,51.3,super_preferred_longevity,100.0,baseline,1.219,0.493,False,,False,,500000.0,15863.26,16454.86,15865.84,3768.14,False,0,3.66,19.94
LI-2024-INS004-002984,2013-09-01,5,77,82,1936,female,never_smoker,32.1,71,230,KY,USA,widowed,high_school,professional,116845.29,0.3331,full_paramedical,147,94,218,38,5.74,88,4.0,False,60.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,27,UW-466,1.0,universal_life,500000,monthly,3402.19,,10yr_declining,2671.32,,,False,none,independent_broker,False,False,False,0.057003,0.072831,SOA_2015_VBT,SOA_Scale_MP2023,1.022,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.08,0.0516,False,normal_rate,6.43,2.44,True,False,False,False,False,0.813,11.1,6.1,sub_standard_longevity,26.6,baseline,1.25,0.308,False,,False,,497328.68,8043.91,8527.77,8301.34,10247.4,False,0,2.9,20.37
LI-2024-INS004-002985,2001-09-26,17,62,79,1939,male,never_smoker,29.7,69,201,TN,USA,married,bachelors,heavy_blue_collar,46018.84,0.5435,full_paramedical,141,84,280,45,6.22,76,5.4,False,70.1,8.41,True,False,True,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,0.93,5.0,False,False,False,False,24,UW-454,2.25,term_life,500000,monthly,6540.32,30.0,none,,,,True,facultative,captive_agent,False,False,False,0.05579,0.216674,SOA_2015_VBT,SOA_Scale_MP2023,2.411,cancer,True,2006-12-29,False,False,1349782.25,0.0007,5e-05,1.095,0.069738,0.005,False,,1.0,False,,,,0.03,0.038,False,normal_rate,3.58,2.53,False,False,False,False,False,0.921,26.4,9.8,standard_longevity,45.4,baseline,1.092,0.441,True,48.3,False,,500000.0,24586.33,22558.59,25638.05,17763.51,False,0,3.74,-14.37
LI-2024-INS004-002986,2003-02-15,15,71,86,1932,male,never_smoker,29.6,67,188,MS,USA,divorced,some_college,white_collar,20000.0,0.4245,accelerated_UW,125,78,218,54,4.04,87,4.9,False,67.0,4.89,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,True,9,UW-396,0.83,annuity_deferred,250000,monthly,1429.34,,none,1543.91,,,True,facultative,bank,False,False,False,0.098336,0.097373,SOA_2015_VBT,SOA_Scale_MP2023,0.838,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.01,0.0136,False,normal_rate,0.23,1.37,False,False,False,False,False,0.948,12.9,1.0,sub_standard_longevity,20.4,baseline,1.182,0.552,False,,False,,248456.09,534.21,526.09,571.74,4888.34,False,0,4.21,14.09
LI-2024-INS004-002987,2005-10-07,5,22,27,1983,male,never_smoker,28.3,74,220,OR,USA,married,high_school,professional,175227.42,0.6526,simplified_issue,112,70,189,56,3.38,82,,False,107.9,,False,False,True,True,False,none,,none,none,depression,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,48,UW-261,2.5,term_life,500000,monthly,2534.62,30.0,none,,,,True,facultative,bank,False,False,False,0.001279,0.005261,SOA_2015_VBT,SOA_Scale_MP2023,2.587,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001918,0.02,False,,1.0,False,,,,0.07,0.0825,False,normal_rate,3.6,1.53,False,False,False,False,False,0.854,70.0,60.1,super_preferred_longevity,100.0,baseline,1.011,0.615,True,61.8,False,,500000.0,21212.54,17412.44,20276.96,4815.78,False,0,-0.69,-20.0
LI-2024-INS004-002988,2024-08-21,2,33,35,1991,male,former_smoker,38.0,75,303,NC,USA,married,high_school,white_collar,81864.06,0.7607,non_med_guaranteed,120,65,171,34,5.03,98,5.9,False,93.3,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,45,UW-211,2.25,universal_life,250000,monthly,1560.21,,10yr_declining,1030.81,,,False,none,captive_agent,False,False,False,0.002465,0.00848,SOA_2015_VBT,SOA_Scale_MP2023,2.356,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003081,0.022,False,,1.0,False,,,,0.08,0.0393,False,normal_rate,3.38,2.99,False,False,False,False,False,0.828,62.5,61.7,super_preferred_longevity,100.0,baseline,0.929,0.633,True,69.7,False,,248969.19,11886.37,10952.07,12481.68,2964.4,False,0,2.99,-13.69
LI-2024-INS004-002989,2018-08-02,6,68,74,1950,female,never_smoker,20.5,60,104,CT,USA,married,high_school,professional,33932.45,0.9071,limited_exam,128,75,262,70,3.74,82,5.1,False,101.3,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,7,UW-475,0.63,whole_life,250000,monthly,944.54,,none,688.49,,,False,none,bank,False,False,False,0.027434,0.014706,SOA_2015_VBT,SOA_Scale_MP2023,0.654,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0195,False,normal_rate,2.74,0.62,False,False,False,False,False,0.953,25.1,19.1,standard_longevity,54.8,baseline,0.82,0.811,False,,False,,249311.51,6827.48,6982.66,7216.29,1862.63,False,0,5.4,27.48
LI-2024-INS004-002990,2003-06-09,19,68,87,1935,female,never_smoker,19.7,69,133,OR,USA,divorced,bachelors,light_blue_collar,262675.16,0.3872,full_paramedical,134,75,219,56,3.91,77,5.3,False,,,True,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,preferred,,,False,False,False,False,21,UW-021,0.79,whole_life,2000000,annual,9907.63,,none,13287.1,5009.24,0.377,True,quota_share,direct_to_consumer,True,False,False,0.086908,0.08473,SOA_2015_VBT,SOA_Scale_MP2023,0.806,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.015,0.0175,False,normal_rate,3.37,2.87,True,False,False,False,False,0.841,20.2,1.2,sub_standard_longevity,20.1,baseline,1.21,0.539,False,,False,,1986712.9,4499.21,4333.92,4755.66,33725.57,False,0,3.71,25.82
LI-2024-INS004-002991,2022-07-06,1,38,39,1984,male,current_smoker,26.9,61,142,UT,USA,married,high_school,light_blue_collar,40968.96,0.2968,limited_exam,118,69,246,48,5.12,108,6.1,True,119.5,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,11,UW-298,1.75,term_life,1000000,semi_annual,6361.69,20.0,none,,,,True,quota_share,bank,False,False,False,0.004839,0.022703,SOA_2015_VBT,SOA_Scale_MP2023,1.912,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003629,0.02,True,0.00726,1.0,False,,,,0.1,0.2048,False,normal_rate,1.85,1.0,False,False,False,False,False,0.761,54.4,53.4,super_preferred_longevity,97.1,baseline,1.277,0.314,False,,False,,1000000.0,51814.08,52088.94,50893.52,12087.21,False,0,-0.12,-3.09
LI-2024-INS004-002992,2018-12-13,4,44,48,1974,female,never_smoker,35.1,61,185,NJ,USA,married,some_college,white_collar,67306.87,0.7609,full_paramedical,139,87,221,45,4.91,118,5.0,False,79.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,11,UW-107,1.0,universal_life,500000,annual,2039.55,,15yr_declining,1505.12,,,False,none,captive_agent,False,False,False,0.00367,0.00369,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0393,False,normal_rate,3.35,2.93,False,False,False,False,False,0.841,52.6,48.6,super_preferred_longevity,96.8,baseline,0.929,0.609,False,,False,,498494.88,15076.2,16940.6,16316.4,3875.14,False,0,0.63,22.21
LI-2024-INS004-002993,2015-07-28,7,69,76,1946,female,never_smoker,25.7,58,123,SC,USA,married,bachelors,heavy_blue_collar,108383.7,0.6709,limited_exam,147,93,178,53,3.36,99,4.6,False,72.7,,False,False,True,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,substandard_table_5,1.25,5.0,False,False,False,False,19,UW-022,2.25,universal_life,500000,annual,7615.74,,15yr_declining,6313.89,,,False,none,employer_group,False,False,False,0.033613,0.119314,SOA_2015_VBT,SOA_Scale_MP2023,2.307,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042016,0.008,False,,1.0,False,,,,0.06,0.0377,False,normal_rate,4.5,0.81,False,False,False,False,False,0.758,25.2,18.2,standard_longevity,59.9,baseline,0.997,0.633,False,,False,,493686.11,54933.88,48232.09,55442.59,15566.57,False,0,1.61,-12.75
LI-2024-INS004-002994,2006-02-03,10,55,65,1951,male,never_smoker,28.8,61,152,VT,USA,married,high_school,professional,28409.29,0.6156,limited_exam,125,71,126,71,1.77,85,4.8,False,97.0,1.82,False,False,False,False,True,leukemia,0.4,none,none,schizophrenia,1,False,False,False,False,True,declined,,,False,False,True,False,24,UW-194,7.0,universal_life,1000000,semi_annual,42486.29,,10yr_declining,38816.46,,,True,excess_of_loss,bank,False,False,False,0.015839,0.201163,SOA_2015_VBT,SOA_Scale_MP2023,6.453,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.095037,0.012,False,,1.0,False,,,,0.06,0.0326,False,normal_rate,1.76,1.47,False,False,False,False,False,0.875,33.1,23.1,standard_longevity,56.4,baseline,1.038,0.552,False,,False,,961183.54,350823.1,294459.8,339890.32,80723.95,False,0,-5.0,-20.0
LI-2024-INS004-002995,2014-11-16,13,80,93,1934,female,current_smoker,37.0,63,208,LA,USA,married,high_school,professional,20000.0,0.8773,full_paramedical,131,83,240,25,9.6,122,5.2,True,57.2,,False,False,False,True,False,none,,none,severe_gold_3,schizophrenia,3,False,False,False,False,True,substandard_table_9,,9.0,False,False,False,False,50,UW-466,3.25,whole_life,500000,semi_annual,13429.01,,none,14467.51,12210.58,0.844,False,none,captive_agent,False,False,False,0.283786,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,3.58,other,True,2023-01-17,False,False,407823.56,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.015,0.009,False,normal_rate,2.1,2.28,False,False,False,False,False,0.921,10.0,1.0,sub_standard_longevity,27.2,baseline,0.842,0.917,False,,False,,485532.49,4876.6,4934.37,5371.6,45927.22,False,0,2.61,-20.0
LI-2024-INS004-002996,2024-02-19,1,40,41,1984,male,never_smoker,34.4,71,246,FL,USA,married,high_school,white_collar,55239.13,0.8168,limited_exam,130,82,204,53,3.85,81,5.7,False,100.6,0.6,False,False,False,False,False,none,,pre_diabetes,none,bipolar,9,False,True,False,False,True,substandard_table_4,,4.0,False,False,False,False,44,UW-292,2.0,term_life,500000,semi_annual,3217.08,10.0,none,,,,False,none,employer_group,False,False,False,0.002761,0.007853,SOA_2015_VBT,SOA_Scale_MP2023,2.078,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,False,,1.0,False,,,,0.1,0.1256,False,normal_rate,3.14,1.22,False,False,False,False,False,0.907,54.5,53.5,super_preferred_longevity,100.0,baseline,0.887,0.883,False,,False,,500000.0,23421.81,24558.1,25736.64,6112.45,False,0,0.06,-3.43
LI-2024-INS004-002997,2020-03-08,5,74,79,1946,male,never_smoker,27.6,65,165,WY,USA,married,high_school,white_collar,102261.44,0.7655,full_paramedical,120,65,222,50,4.44,95,,False,62.5,20.0,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,22,UW-019,0.81,whole_life,500000,monthly,2756.38,,none,1907.8,,,False,none,captive_agent,False,False,False,0.054561,0.044913,SOA_2015_VBT,SOA_Scale_MP2023,0.787,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00516,1.0,True,2025-07-07,voluntary_surrender,5.0,0.04,0.0435,False,normal_rate,0.64,1.5,False,False,False,False,False,0.944,13.6,8.6,standard_longevity,36.9,baseline,0.926,0.841,False,,False,,498092.2,9258.3,9454.29,9481.95,7750.94,False,0,1.82,31.92
LI-2024-INS004-002998,2014-04-28,4,29,33,1985,female,never_smoker,34.8,69,235,PA,USA,married,bachelors,professional,39775.07,0.7798,full_paramedical,111,77,192,44,4.36,106,6.4,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,,,False,True,False,False,8,UW-075,1.0,term_life,500000,monthly,1209.69,15.0,none,,,,False,none,captive_agent,False,False,False,0.001358,0.001361,SOA_2015_VBT,SOA_Scale_MP2023,1.095,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0753,False,normal_rate,4.48,2.5,False,False,False,False,False,0.867,70.0,58.5,super_preferred_longevity,100.0,baseline,0.915,0.879,True,53.4,False,,500000.0,9466.27,8980.08,9677.52,2298.41,False,0,4.45,20.37
LI-2024-INS004-002999,2015-03-23,3,72,75,1943,female,never_smoker,41.0,66,253,CA,USA,married,some_college,white_collar,69829.46,0.6756,non_med_guaranteed,148,82,173,30,5.77,111,5.2,False,78.0,,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-210,2.0,term_life,500000,semi_annual,6897.6,20.0,none,,,,False,none,bank,False,False,False,0.030069,0.096137,SOA_2015_VBT,SOA_Scale_MP2023,2.212,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030069,0.008,False,,1.0,False,,,,0.07,0.0812,False,normal_rate,3.94,0.97,False,False,False,False,False,0.78,21.8,18.8,preferred_longevity,60.8,baseline,0.993,0.804,False,,False,,500000.0,55196.87,53437.78,51869.95,13767.61,False,0,1.95,-10.05
LI-2024-INS004-003000,2011-11-13,15,67,82,1944,female,never_smoker,31.1,68,204,WI,USA,married,some_college,light_blue_collar,113404.95,0.5841,full_paramedical,133,83,255,34,7.5,110,5.3,False,65.4,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-291,1.5,term_life,100000,quarterly,1001.98,20.0,none,,,,True,none,captive_agent,False,False,False,0.055689,0.120691,SOA_2015_VBT,SOA_Scale_MP2023,1.57,cardiovascular,True,2023-10-12,False,False,1052231.07,0.0007,5e-05,1.095,0.027845,0.008,False,,1.0,False,,,,0.03,0.037,False,normal_rate,2.89,1.79,False,False,False,False,False,0.844,23.6,8.6,sub_standard_longevity,34.2,baseline,1.062,0.639,False,,False,,100000.0,3789.9,3282.07,3446.81,2817.57,False,0,4.13,15.12
LI-2024-INS004-003001,2008-04-20,14,51,65,1957,male,never_smoker,28.3,75,226,WY,USA,married,bachelors,white_collar,48249.86,0.5106,full_paramedical,132,87,204,43,4.74,110,5.5,False,,5.26,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-476,1.25,indexed_ul,1000000,quarterly,6498.86,,15yr_declining,6866.55,,,True,excess_of_loss,captive_agent,False,False,False,0.017029,0.030832,SOA_2015_VBT,SOA_Scale_MP2023,1.397,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004257,0.012,False,,1.0,False,,,,0.04,0.0232,False,normal_rate,3.42,2.98,False,False,False,False,False,0.838,37.6,23.6,standard_longevity,55.6,baseline,1.117,0.405,False,,False,,993133.45,52795.58,49548.82,51990.88,12347.83,False,0,6.11,12.32
LI-2024-INS004-003002,2020-08-16,7,63,70,1957,female,never_smoker,27.9,66,173,CO,USA,married,bachelors,heavy_blue_collar,43200.16,0.8953,full_paramedical,155,103,160,52,3.08,71,5.7,False,63.6,,False,True,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,0.52,4.0,False,False,False,False,24,UW-225,2.0,term_life,250000,monthly,2984.85,30.0,none,,,,True,coinsurance,direct_to_consumer,True,False,False,0.021047,0.063425,SOA_2015_VBT,SOA_Scale_MP2023,2.237,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021047,0.012,True,0.00337,1.0,False,,,,0.05,0.0689,False,normal_rate,5.69,2.55,False,False,False,False,False,0.931,31.1,27.9,preferred_longevity,67.8,baseline,0.829,1.0,True,78.7,False,,250000.0,25205.7,23727.28,23878.8,5671.22,False,0,2.88,0.31
LI-2024-INS004-003003,2004-03-02,10,33,43,1971,male,never_smoker,25.7,67,164,AZ,USA,married,some_college,white_collar,70603.77,0.5517,full_paramedical,105,71,264,59,4.47,82,,False,,1.63,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,11,UW-176,1.0,universal_life,250000,monthly,924.37,,15yr_declining,865.29,,,False,none,captive_agent,False,False,False,0.003171,0.003734,SOA_2015_VBT,SOA_Scale_MP2023,1.084,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.034,False,normal_rate,3.75,1.05,False,False,False,False,False,0.812,58.3,56.8,super_preferred_longevity,100.0,baseline,1.086,0.366,True,83.0,False,,249134.71,7659.25,7179.76,7394.96,1756.3,False,0,3.86,21.66
LI-2024-INS004-003004,2018-01-12,1,60,61,1958,female,never_smoker,30.0,65,180,TN,USA,married,some_college,heavy_blue_collar,256472.58,0.8956,simplified_issue,126,66,231,60,3.85,114,,False,74.7,,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,standard,1.03,,False,False,False,False,38,UW-342,1.08,whole_life,5000000,monthly,24343.8,,none,16216.44,,,True,facultative,bank,False,False,False,0.009773,0.00942,SOA_2015_VBT,SOA_Scale_MP2023,1.067,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000782,0.012,False,,1.0,False,,,,0.06,0.059,False,normal_rate,5.0,0.77,False,False,False,False,False,0.863,34.2,33.2,preferred_longevity,75.7,baseline,0.828,0.811,False,,False,,4983783.56,208268.15,185729.4,194750.4,46253.22,False,0,3.44,21.35
LI-2024-INS004-003005,2019-09-01,8,35,43,1984,male,never_smoker,27.8,70,193,WI,USA,single,bachelors,light_blue_collar,32064.09,0.6637,full_paramedical,117,70,203,62,3.27,79,5.2,False,69.8,1.11,False,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,21,UW-137,0.64,whole_life,1000000,quarterly,2483.55,,none,1976.02,,,True,none,independent_broker,False,False,False,0.003171,0.001764,SOA_2015_VBT,SOA_Scale_MP2023,0.555,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0234,False,normal_rate,5.05,0.55,False,False,False,False,False,0.787,61.9,53.9,super_preferred_longevity,100.0,baseline,1.002,0.707,False,,False,,998023.98,20278.9,17065.4,19868.4,4718.75,False,0,2.54,22.47
LI-2024-INS004-003006,2004-05-12,21,56,77,1948,male,never_smoker,31.1,64,181,OK,USA,married,bachelors,hazardous,115298.21,0.3402,full_paramedical,119,78,180,67,2.69,98,,False,76.0,3.2,True,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,standard,3.78,,True,False,False,False,16,UW-059,1.07,term_life,2000000,annual,12926.29,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.046587,0.063923,SOA_2015_VBT,SOA_Scale_MP2023,1.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003261,0.008,False,,1.0,False,,,,0.03,0.0428,False,normal_rate,4.13,0.65,False,False,False,False,False,0.874,33.2,12.2,standard_longevity,45.9,baseline,1.245,0.484,False,,False,,2000000.0,68968.32,62955.45,63080.3,32625.95,False,0,1.63,12.41
LI-2024-INS004-003007,2006-05-14,14,78,92,1928,female,never_smoker,22.3,63,126,MS,USA,single,some_college,hazardous,75747.35,0.8316,limited_exam,149,93,161,49,3.29,94,5.5,False,67.5,,False,False,False,False,True,breast,11.6,none,none,none,8,False,True,False,False,True,substandard_table_2,3.56,2.0,True,False,False,False,34,UW-116,1.5,term_life,1000000,monthly,13214.19,25.0,none,,,,True,quota_share,employer_group,False,False,False,0.097805,0.186976,SOA_2015_VBT,SOA_Scale_MP2023,1.611,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048903,0.012,False,,1.0,False,,,,0.03,0.0372,False,normal_rate,5.39,0.88,False,False,False,False,False,0.971,11.5,1.0,sub_standard_longevity,26.5,baseline,0.876,0.842,False,,False,,1000000.0,5112.94,4961.44,5285.68,45192.53,False,0,-2.05,1.34
LI-2024-INS004-003008,2023-01-19,2,21,23,2002,female,never_smoker,22.5,68,148,SD,USA,married,high_school,professional,26937.36,0.7218,full_paramedical,108,61,188,64,2.94,78,5.2,False,120.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,13,UW-361,1.0,term_life,500000,monthly,828.21,25.0,none,,,,False,none,captive_agent,False,False,False,0.000882,0.000879,SOA_2015_VBT,SOA_Scale_MP2023,1.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0786,False,normal_rate,3.79,0.72,False,False,False,False,False,0.826,70.0,55.0,super_preferred_longevity,100.0,baseline,0.959,0.669,False,,False,,500000.0,6559.85,6037.63,6625.68,1573.6,False,0,3.34,23.74
LI-2024-INS004-003009,2024-06-24,1,31,32,1993,female,never_smoker,27.6,72,203,UT,USA,single,high_school,professional,65625.55,0.3475,non_med_guaranteed,121,79,196,40,4.9,60,4.4,False,103.0,,False,False,True,False,False,none,,none,none,bipolar,9,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-487,2.0,term_life,500000,monthly,2624.29,30.0,none,,,,True,none,direct_to_consumer,False,False,False,0.001289,0.004826,SOA_2015_VBT,SOA_Scale_MP2023,2.214,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001289,0.022,False,,1.0,True,2025-07-24,non_payment,1.0,0.1,0.1991,False,normal_rate,3.5,1.01,False,False,False,False,False,0.908,70.0,55.0,super_preferred_longevity,100.0,baseline,1.239,0.415,False,,False,,500000.0,22766.99,21042.92,20994.32,4986.15,False,0,6.01,-5.84
LI-2024-INS004-003010,2003-08-19,21,53,74,1950,male,former_smoker,36.6,73,277,ID,USA,widowed,less_than_hs,light_blue_collar,26369.17,0.3073,limited_exam,163,102,263,45,5.84,108,4.5,False,76.1,3.83,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-113,2.0,universal_life,500000,semi_annual,6775.63,,15yr_declining,9500.04,,,False,none,captive_agent,False,False,False,0.04458,0.159297,SOA_2015_VBT,SOA_Scale_MP2023,2.027,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04458,0.012,False,,1.0,False,,,,0.04,0.0582,False,normal_rate,2.2,2.01,True,True,False,False,False,0.92,33.7,12.7,standard_longevity,36.2,baseline,1.27,0.316,False,,False,,490499.96,31995.81,34296.75,34420.2,16830.67,False,0,-2.39,-3.06
LI-2024-INS004-003011,2017-09-04,3,54,57,1963,female,never_smoker,30.4,64,176,NV,USA,married,bachelors,professional,65440.07,0.3104,full_paramedical,152,98,207,33,6.27,104,5.1,False,80.4,,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-160,1.5,term_life,2000000,quarterly,14306.5,20.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.007356,0.019981,SOA_2015_VBT,SOA_Scale_MP2023,1.749,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003678,0.015,False,,1.0,False,,,,0.07,0.1423,False,normal_rate,2.9,1.65,False,False,False,False,False,0.762,38.9,35.9,preferred_longevity,71.0,baseline,1.267,0.339,False,,False,,2000000.0,114133.35,106989.51,114452.0,27182.35,False,0,3.61,1.26
LI-2024-INS004-003012,2012-12-13,12,45,57,1967,female,never_smoker,18.2,66,112,SC,USA,married,high_school,professional,134953.34,0.7456,full_paramedical,120,73,227,57,3.98,107,,False,85.6,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-441,1.25,group_life,2000000,annual,12559.53,,none,,,,True,none,independent_broker,False,False,False,0.007582,0.01176,SOA_2015_VBT,SOA_Scale_MP2023,1.383,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001895,0.015,False,,1.0,False,,,,0.1,0.1104,False,normal_rate,4.12,0.77,False,False,False,False,False,0.848,50.2,38.2,super_preferred_longevity,81.0,baseline,0.941,0.662,False,,False,,2000000.0,100022.16,89968.02,100476.24,23863.11,False,0,1.29,17.31
LI-2024-INS004-003013,2001-10-28,26,36,62,1965,female,former_smoker,31.0,71,222,IL,USA,single,bachelors,light_blue_collar,141901.31,0.8709,accelerated_UW,116,68,196,54,3.63,111,,False,91.6,,False,False,False,False,False,none,,none,none,none,24,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,True,7,UW-063,1.75,universal_life,1000000,monthly,9453.94,,10yr_declining,16246.48,,,True,excess_of_loss,independent_broker,False,False,False,0.015062,0.036461,SOA_2015_VBT,SOA_Scale_MP2023,1.973,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011296,0.015,False,,1.0,False,,,,0.04,0.0401,False,normal_rate,3.79,2.19,False,False,False,True,False,0.936,59.4,33.4,preferred_longevity,75.7,baseline,0.847,0.724,False,,False,,983753.52,70628.32,66291.51,75631.52,17962.49,False,0,3.6,-4.02
LI-2024-INS004-003014,2009-04-15,7,24,31,1985,female,never_smoker,35.2,62,192,DE,USA,widowed,bachelors,professional,235975.24,0.6751,limited_exam,120,76,189,46,4.11,80,5.0,False,90.8,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-278,1.25,universal_life,250000,monthly,818.79,,10yr_declining,624.36,,,False,none,direct_to_consumer,False,False,False,0.001226,0.002119,SOA_2015_VBT,SOA_Scale_MP2023,1.488,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000306,0.02,False,,1.0,False,,,,0.06,0.0438,False,normal_rate,3.17,0.56,False,False,False,False,False,0.978,70.0,55.0,super_preferred_longevity,100.0,baseline,0.994,0.387,False,,False,,249375.64,6737.46,5924.92,6550.32,1555.7,False,0,1.26,11.38
LI-2024-INS004-003015,2021-04-21,3,37,40,1984,female,never_smoker,23.3,61,123,AZ,USA,divorced,high_school,heavy_blue_collar,727072.37,0.8011,accelerated_UW,108,60,155,46,3.37,101,,False,94.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,0.81,,False,True,False,True,14,UW-388,1.0,term_life,100000,monthly,350.58,25.0,none,,,,False,none,captive_agent,False,False,False,0.002066,0.004947,SOA_2015_VBT,SOA_Scale_MP2023,1.03,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00303,1.0,False,,,,0.07,0.0741,False,normal_rate,3.02,0.67,False,False,False,False,False,0.995,61.4,55.0,super_preferred_longevity,100.0,baseline,0.899,0.869,False,,False,,100000.0,2849.42,2494.33,2804.64,666.1,False,0,2.02,16.4
LI-2024-INS004-003016,2022-09-01,4,54,58,1968,male,never_smoker,27.6,60,141,OK,USA,married,bachelors,white_collar,61687.36,0.6134,simplified_issue,141,88,227,43,5.28,102,5.4,False,83.8,7.14,True,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,33,UW-243,1.25,whole_life,100000,monthly,587.34,,none,402.9,,,False,none,bank,False,False,False,0.010307,0.02195,SOA_2015_VBT,SOA_Scale_MP2023,1.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002577,0.015,True,0.00393,1.0,False,,,,0.04,0.0484,False,normal_rate,2.81,2.39,False,False,False,False,False,0.78,36.9,32.9,preferred_longevity,71.1,baseline,1.04,0.631,False,,False,,99597.1,4565.85,4642.31,4698.72,1115.95,False,0,2.27,13.08
LI-2024-INS004-003017,2016-10-18,1,30,31,1986,male,never_smoker,17.4,76,143,MI,USA,single,graduate,white_collar,111827.45,0.8001,full_paramedical,125,85,210,63,3.33,91,5.2,False,83.0,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,29,UW-181,0.85,term_life,250000,monthly,605.33,30.0,none,,,,False,none,bank,False,False,False,0.001532,0.001121,SOA_2015_VBT,SOA_Scale_MP2023,0.813,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.1,0.106,False,normal_rate,3.05,1.87,False,False,False,False,False,0.854,64.7,55.0,super_preferred_longevity,100.0,baseline,0.9,0.812,False,,False,,250000.0,5027.49,4159.74,4842.64,1150.13,False,0,4.42,27.38
LI-2024-INS004-003018,2021-08-16,1,25,26,1996,male,never_smoker,37.6,60,192,NJ,USA,married,bachelors,light_blue_collar,158070.74,0.608,non_med_guaranteed,133,89,219,32,6.84,112,5.7,False,86.9,,True,True,False,False,False,none,,none,none,anxiety,5,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,44,UW-161,1.5,term_life,250000,annual,906.91,20.0,none,,,,True,coinsurance,independent_broker,True,False,False,0.001229,0.005011,SOA_2015_VBT,SOA_Scale_MP2023,1.529,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000614,0.022,True,0.00244,1.0,False,,,,0.1,0.1214,False,normal_rate,2.05,0.53,False,False,False,False,True,0.968,70.0,55.0,super_preferred_longevity,100.0,baseline,1.044,0.62,False,,False,,250000.0,7477.04,7508.0,7255.28,1723.13,False,0,2.97,6.54
LI-2024-INS004-003019,2000-03-19,22,62,84,1938,male,never_smoker,32.4,69,219,CO,USA,single,graduate,professional,136364.78,0.7006,limited_exam,127,75,225,47,4.79,90,5.3,False,89.9,7.1,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,25,UW-043,2.25,annuity_immediate,1000000,monthly,16783.3,,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.085462,0.306966,SOA_2015_VBT,SOA_Scale_MP2023,2.403,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.106828,0.005,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.68,0.92,False,False,False,False,False,0.952,23.9,1.9,sub_standard_longevity,25.9,baseline,0.975,0.805,False,,False,,1000000.0,12537.1,12299.62,12755.31,56190.49,False,0,-2.29,-9.72
LI-2024-INS004-003020,2015-09-26,3,80,83,1935,male,current_smoker,23.2,67,147,CO,USA,married,graduate,heavy_blue_collar,30919.14,0.302,full_paramedical,142,86,199,62,3.21,98,5.0,True,,6.33,False,False,True,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_8,1.29,8.0,False,False,False,False,41,UW-192,3.0,universal_life,500000,quarterly,10406.61,,15yr_declining,7112.03,,,False,none,captive_agent,False,False,False,0.154538,0.996313,SOA_2015_VBT,SOA_Scale_MP2023,3.492,cancer,True,2016-04-23,True,True,1271552.37,0.0007,5e-05,1.095,0.309075,0.005,False,,1.0,False,,,,0.08,0.0525,False,normal_rate,4.83,2.46,False,False,False,False,False,0.907,6.9,3.9,sub_standard_longevity,32.9,baseline,1.274,0.173,False,,False,,492887.97,15685.49,16627.08,16234.31,33176.27,False,0,-1.85,-20.0
LI-2024-INS004-003021,2005-09-20,11,63,74,1942,female,former_smoker,37.4,70,260,MD,USA,married,bachelors,white_collar,92374.95,0.8732,simplified_issue,135,72,236,37,6.38,114,4.8,False,81.2,,False,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-183,1.5,whole_life,250000,monthly,2009.35,,none,1927.76,,,False,none,employer_group,False,False,False,0.035534,0.066685,SOA_2015_VBT,SOA_Scale_MP2023,1.629,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017767,0.008,False,,1.0,False,,,,0.015,0.018,False,normal_rate,4.37,1.54,False,False,False,False,False,0.969,31.4,20.7,preferred_longevity,66.6,baseline,0.845,0.81,True,44.9,True,-0.236,248072.24,16112.89,16615.91,16074.8,3817.76,False,0,3.65,7.88
LI-2024-INS004-003022,2014-01-06,3,28,31,1986,female,never_smoker,20.4,71,146,IL,USA,married,graduate,white_collar,354150.35,0.882,simplified_issue,94,69,211,57,3.7,95,,False,86.5,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,23,UW-072,0.84,term_life,250000,quarterly,501.29,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001226,0.000851,SOA_2015_VBT,SOA_Scale_MP2023,0.828,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0975,False,normal_rate,4.65,1.51,False,False,False,False,False,0.821,70.0,55.0,super_preferred_longevity,100.0,baseline,0.839,1.0,False,,False,,250000.0,3780.97,3576.83,4010.32,952.45,False,0,2.74,20.94
LI-2024-INS004-003023,2022-12-26,5,25,30,1997,male,never_smoker,35.0,63,197,NV,USA,single,bachelors,white_collar,20000.0,0.3553,full_paramedical,125,80,253,49,5.16,79,4.7,False,111.5,,True,False,False,False,False,none,,none,none,schizophrenia,4,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-166,2.25,term_life,250000,annual,1503.15,15.0,none,,,,False,none,captive_agent,False,False,False,0.00146,0.011766,SOA_2015_VBT,SOA_Scale_MP2023,2.418,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,True,0.00559,1.0,True,2025-11-16,replacement,5.0,0.07,0.0991,False,normal_rate,3.02,1.05,False,False,False,False,False,0.782,69.7,53.2,super_preferred_longevity,97.6,baseline,1.234,0.657,False,,True,-1.225,250000.0,11497.58,12163.79,12025.2,2855.99,False,0,1.59,-8.0
LI-2024-INS004-003024,2002-09-22,22,76,98,1926,male,never_smoker,15.9,73,120,TX,USA,married,some_college,white_collar,44456.97,0.7412,full_paramedical,145,88,212,64,3.31,89,4.8,False,69.1,7.8,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,declined,,,False,False,True,False,27,UW-353,7.0,term_life,1000000,annual,49627.81,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.191003,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.849,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.03,0.0332,False,normal_rate,5.12,1.32,False,False,False,False,False,0.775,8.8,1.0,sub_standard_longevity,25.1,baseline,0.944,0.681,False,,False,,1000000.0,19348.26,18790.99,19851.12,169727.11,False,0,-5.0,-20.0
LI-2024-INS004-003025,2001-12-07,23,43,66,1958,male,never_smoker,30.6,61,162,PA,USA,married,some_college,white_collar,20000.0,0.774,full_paramedical,119,78,222,63,3.52,95,6.0,False,101.8,5.03,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,8,UW-337,0.8,universal_life,1000000,monthly,4067.26,,10yr_declining,6235.23,,,True,quota_share,direct_to_consumer,False,False,False,0.018797,0.01298,SOA_2015_VBT,SOA_Scale_MP2023,0.751,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0605,False,normal_rate,4.0,2.93,False,False,False,False,False,0.843,46.8,23.8,standard_longevity,59.8,baseline,0.919,0.847,False,,False,,993764.77,29856.79,31961.29,32538.08,7727.79,False,0,6.96,27.02
LI-2024-INS004-003026,2015-06-25,2,42,44,1973,female,never_smoker,29.1,69,197,NJ,USA,married,graduate,light_blue_collar,132106.18,0.714,simplified_issue,112,67,256,46,5.57,98,,False,79.5,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,44,UW-302,1.25,whole_life,250000,annual,1193.89,,none,820.1,,,False,none,employer_group,True,False,False,0.002724,0.003992,SOA_2015_VBT,SOA_Scale_MP2023,1.26,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000681,0.018,False,,1.0,False,,,,0.04,0.0542,False,normal_rate,3.46,1.31,False,False,False,False,True,0.791,54.2,52.2,super_preferred_longevity,100.0,baseline,0.965,0.696,False,,False,,249179.9,9364.83,9535.59,9551.12,2268.39,False,0,2.12,11.39
LI-2024-INS004-003027,2003-09-03,22,35,57,1968,male,never_smoker,24.5,69,166,NC,USA,single,some_college,light_blue_collar,40136.3,0.2927,accelerated_UW,126,85,187,36,5.19,99,6.0,False,99.3,4.72,True,False,False,False,False,none,,none,none,depression,10,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,57,UW-467,1.25,indexed_ul,500000,quarterly,2673.96,,10yr_declining,3891.19,,,False,none,employer_group,False,False,False,0.009477,0.017975,SOA_2015_VBT,SOA_Scale_MP2023,1.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002369,0.015,False,,1.0,False,,,,0.04,0.0704,False,normal_rate,4.76,1.2,False,False,False,False,False,0.785,54.6,32.6,preferred_longevity,65.8,baseline,1.28,0.403,False,,False,,496108.81,21949.38,19049.33,21391.68,5080.52,False,0,2.14,10.02
LI-2024-INS004-003028,2024-05-03,1,19,20,2005,female,former_smoker,20.2,62,110,OK,USA,single,bachelors,white_collar,114806.43,0.7768,limited_exam,97,60,133,51,2.61,67,,False,,,True,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,34,UW-447,2.5,universal_life,500000,annual,2101.29,,10yr_declining,1406.78,,,False,none,captive_agent,False,False,False,0.001047,0.004053,SOA_2015_VBT,SOA_Scale_MP2023,2.585,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00157,0.012,False,,1.0,False,,,,0.12,0.0582,False,normal_rate,3.55,2.06,False,False,False,False,False,0.782,70.0,54.2,super_preferred_longevity,100.0,baseline,0.917,0.913,False,,True,-0.5,498593.22,17775.84,16361.15,16810.32,3992.45,False,0,-2.12,-15.13
LI-2024-INS004-003029,2019-06-10,6,54,60,1965,male,never_smoker,30.9,66,191,NE,USA,married,bachelors,light_blue_collar,78721.0,0.8531,full_paramedical,101,52,234,47,4.98,82,5.3,False,96.4,3.21,False,False,True,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-345,2.25,whole_life,500000,annual,5259.62,,none,4265.76,,,False,none,worksite,False,False,False,0.012208,0.039422,SOA_2015_VBT,SOA_Scale_MP2023,2.301,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01526,0.015,False,,1.0,False,,,,0.02,0.0742,False,normal_rate,1.61,1.91,False,False,False,True,False,0.761,40.4,43.0,super_preferred_longevity,99.8,baseline,0.86,0.796,True,100.0,False,,495734.24,42094.96,39866.47,42076.96,9993.28,False,0,0.96,-11.44
LI-2024-INS004-003030,2007-11-02,7,56,63,1951,female,never_smoker,27.1,67,172,MA,USA,married,graduate,white_collar,152046.94,0.2822,full_paramedical,143,92,211,54,3.91,97,4.3,False,,,False,True,False,False,True,lymphoma,4.4,none,none,depression,0,True,False,False,False,True,declined,,,True,False,True,False,32,UW-400,7.0,term_life,1000000,monthly,33125.13,15.0,none,,,,True,none,captive_agent,True,False,False,0.010662,0.168356,SOA_2015_VBT,SOA_Scale_MP2023,7.599,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.063972,0.012,False,,1.0,False,,,,0.05,0.0737,False,normal_rate,2.76,0.63,False,False,False,False,False,0.946,34.7,28.2,standard_longevity,59.0,baseline,1.288,0.38,False,,True,0.321,1000000.0,270955.06,277556.16,265001.04,62937.75,False,0,-5.0,-20.0
LI-2024-INS004-003031,2013-05-08,5,71,76,1942,female,never_smoker,28.1,66,174,VA,USA,married,bachelors,light_blue_collar,78921.56,0.8791,accelerated_UW,142,88,214,51,4.2,131,6.5,False,70.4,,True,False,True,False,True,breast,4.5,type_2,none,none,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,True,13,UW-267,2.0,term_life,500000,quarterly,5563.7,20.0,none,,,,False,none,bank,False,False,False,0.03255,0.092641,SOA_2015_VBT,SOA_Scale_MP2023,2.196,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03255,0.008,False,,1.0,False,,,,0.07,0.0698,False,normal_rate,4.47,2.1,False,False,False,False,False,0.811,23.5,18.5,preferred_longevity,63.4,baseline,0.841,0.909,False,,False,,500000.0,40019.37,42770.02,41171.38,11238.67,False,0,0.33,-10.32
LI-2024-INS004-003032,2011-08-07,6,23,29,1988,female,former_smoker,37.8,72,278,LA,USA,married,high_school,light_blue_collar,20000.0,0.5459,full_paramedical,124,74,215,42,5.12,119,5.5,False,100.8,,False,True,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,14,UW-240,1.5,term_life,1000000,semi_annual,3941.42,25.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.00145,0.003312,SOA_2015_VBT,SOA_Scale_MP2023,1.636,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000725,0.02,False,,1.0,False,,,,0.05,0.0632,False,normal_rate,4.83,2.2,False,False,False,False,False,0.951,70.0,55.0,super_preferred_longevity,100.0,baseline,1.091,0.316,False,,True,0.123,1000000.0,31355.36,32711.16,31531.36,7488.7,False,0,-0.21,9.1
LI-2024-INS004-003033,2010-01-04,1,64,65,1946,male,unknown,19.1,76,156,MT,USA,married,some_college,heavy_blue_collar,40384.25,0.4018,accelerated_UW,130,79,226,64,3.53,78,,False,84.8,3.94,True,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,1.34,4.0,False,False,False,True,21,UW-014,2.0,term_life,500000,monthly,5052.99,20.0,none,,,,False,none,captive_agent,False,False,False,0.018517,0.064061,SOA_2015_VBT,SOA_Scale_MP2023,2.052,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018517,0.008,False,,1.0,False,,,,0.1,0.1379,False,normal_rate,5.28,2.08,False,False,False,False,False,0.825,22.1,21.1,standard_longevity,50.2,baseline,1.199,0.375,False,,False,,500000.0,44066.08,39389.39,40423.92,9600.68,False,0,0.73,-15.89
LI-2024-INS004-003034,2007-07-18,5,52,57,1955,female,never_smoker,37.6,63,212,VA,USA,divorced,high_school,professional,32512.92,0.7091,full_paramedical,141,99,256,43,5.95,105,5.3,False,,,False,True,True,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-425,1.5,group_life,250000,monthly,1705.03,,none,,,,False,none,captive_agent,False,False,False,0.006719,0.013333,SOA_2015_VBT,SOA_Scale_MP2023,1.533,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00336,0.012,False,,1.0,False,,,,0.15,0.1699,False,normal_rate,2.23,1.83,True,False,False,False,False,0.875,44.0,42.4,super_preferred_longevity,96.7,baseline,0.968,0.64,True,59.9,False,,250000.0,13093.65,12620.36,13640.24,3239.56,False,0,1.99,5.32
LI-2024-INS004-003035,2024-04-08,2,72,74,1952,male,never_smoker,32.9,63,185,HI,USA,single,high_school,white_collar,49993.61,0.8916,accelerated_UW,150,94,191,40,4.78,97,9.3,False,71.5,18.19,False,False,False,False,False,none,,type_2,none,depression,4,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,True,38,UW-228,3.0,term_life,100000,quarterly,1674.74,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.03513,0.158484,SOA_2015_VBT,SOA_Scale_MP2023,3.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.07026,0.012,False,,1.0,True,2026-01-13,voluntary_surrender,2.0,0.07,0.0967,False,normal_rate,3.39,1.75,False,False,False,False,False,0.79,17.3,16.1,standard_longevity,50.0,baseline,0.831,0.766,True,49.1,False,,100000.0,10750.11,10914.11,10785.33,3704.52,False,0,-0.31,-20.0
LI-2024-INS004-003036,2001-12-12,4,51,55,1950,male,never_smoker,30.9,61,163,AZ,USA,married,bachelors,white_collar,217961.1,0.7077,full_paramedical,115,62,253,44,5.75,110,5.1,False,63.6,4.14,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-042,1.25,whole_life,500000,semi_annual,3031.99,,none,2253.12,,,True,quota_share,captive_agent,False,False,False,0.006696,0.010286,SOA_2015_VBT,SOA_Scale_MP2023,1.327,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001674,0.012,False,,1.0,False,,,,0.04,0.0454,False,normal_rate,2.43,2.55,False,False,False,False,False,0.98,37.3,36.5,preferred_longevity,77.9,baseline,0.969,0.704,True,62.7,False,,497746.88,22282.24,21096.32,24255.92,5760.78,False,0,1.89,13.57
LI-2024-INS004-003037,2024-10-16,1,24,25,2000,male,never_smoker,33.9,66,209,ID,USA,divorced,some_college,heavy_blue_collar,57497.96,0.2668,accelerated_UW,137,85,194,42,4.62,92,5.6,False,,,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,1.2,1.0,False,False,False,True,27,UW-222,1.25,universal_life,500000,annual,1153.46,,10yr_declining,746.42,,,False,none,employer_group,False,False,False,0.001183,0.002579,SOA_2015_VBT,SOA_Scale_MP2023,1.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000296,0.012,False,,1.0,True,2026-03-14,unknown,1.0,0.12,0.1349,False,normal_rate,4.19,1.81,False,False,True,False,False,0.935,70.0,55.0,super_preferred_longevity,99.0,baseline,1.3,0.357,False,,False,,499253.58,8471.92,9524.44,9227.68,2191.57,False,0,1.48,15.87
LI-2024-INS004-003038,2002-05-16,15,53,68,1949,male,never_smoker,26.3,60,134,ID,USA,married,high_school,professional,66193.83,0.6741,full_paramedical,136,94,190,68,2.79,100,5.3,False,82.5,10.32,False,True,False,False,True,leukemia,5.8,none,none,depression,11,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,36,UW-111,3.0,term_life,250000,quarterly,4040.41,10.0,none,,,,False,none,independent_broker,False,False,False,0.021404,0.110919,SOA_2015_VBT,SOA_Scale_MP2023,3.2,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042808,0.008,False,,1.0,False,,,,0.03,0.0348,False,normal_rate,0.35,0.56,False,False,False,False,False,0.977,34.7,19.7,standard_longevity,52.2,baseline,0.994,0.693,False,,False,,250000.0,31536.77,32050.17,31838.43,7773.75,False,0,-1.72,-20.0
LI-2024-INS004-003039,2001-06-05,5,54,59,1947,female,unknown,21.7,66,134,MA,USA,married,bachelors,white_collar,20000.0,0.5654,full_paramedical,137,82,253,65,3.89,100,,False,58.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,25,UW-471,2.25,whole_life,1000000,annual,9922.69,,none,7712.48,,,True,none,bank,False,False,False,0.008929,0.033785,SOA_2015_VBT,SOA_Scale_MP2023,2.355,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011161,0.008,False,,1.0,False,,,,0.04,0.0499,False,normal_rate,5.85,2.59,False,False,False,False,False,0.954,37.0,32.0,preferred_longevity,69.0,baseline,1.076,0.652,False,,False,,992287.52,77101.61,71842.85,79381.52,18853.11,False,0,1.46,-17.65
LI-2024-INS004-003040,2004-02-09,11,55,66,1949,male,never_smoker,25.9,64,150,NM,USA,divorced,some_college,light_blue_collar,28987.63,0.8299,accelerated_UW,142,88,189,59,3.2,77,5.0,False,,4.35,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,19,UW-470,1.25,universal_life,2000000,annual,12423.15,,15yr_declining,12260.41,,,True,facultative,direct_to_consumer,True,False,False,0.017988,0.026865,SOA_2015_VBT,SOA_Scale_MP2023,1.417,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004497,0.008,False,,1.0,False,,,,0.04,0.0261,False,normal_rate,3.19,2.08,False,False,False,False,False,0.912,33.3,22.3,standard_longevity,58.4,baseline,0.878,0.926,False,,False,,1987739.59,107711.17,91662.36,99385.2,23603.99,False,0,3.41,18.52
LI-2024-INS004-003041,2010-12-27,9,71,80,1939,female,former_smoker,21.9,67,139,NE,USA,married,bachelors,white_collar,471507.6,0.3895,accelerated_UW,146,78,215,43,5.0,105,,False,83.7,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,52,UW-410,2.25,whole_life,1000000,semi_annual,16988.9,,none,14394.89,,,True,none,captive_agent,False,False,False,0.063282,0.259799,SOA_2015_VBT,SOA_Scale_MP2023,2.364,cardiovascular,True,2016-11-28,False,False,309395.95,0.0007,5e-05,1.095,0.079102,0.005,False,,1.0,False,,,,0.02,0.0278,False,normal_rate,3.35,0.87,False,False,False,False,False,0.784,17.8,8.6,sub_standard_longevity,31.2,baseline,1.208,0.688,True,25.7,False,,985605.11,52854.06,56004.88,58441.82,47772.79,False,0,-2.37,-8.73
LI-2024-INS004-003042,2016-12-25,9,30,39,1986,female,never_smoker,28.0,69,189,CT,USA,divorced,less_than_hs,light_blue_collar,45047.5,0.9898,limited_exam,114,72,230,44,5.23,91,4.8,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-077,2.25,term_life,2000000,quarterly,13124.48,15.0,none,,,,True,none,captive_agent,False,False,False,0.001936,0.005913,SOA_2015_VBT,SOA_Scale_MP2023,2.382,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.02,False,,1.0,False,,,,0.05,0.0454,False,normal_rate,3.99,1.01,False,False,False,False,False,0.935,69.5,55.0,super_preferred_longevity,100.0,baseline,0.758,0.8,False,,False,,2000000.0,113837.04,99911.23,104995.84,24936.51,False,0,0.47,-6.75
LI-2024-INS004-003043,2000-11-15,27,48,75,1952,female,never_smoker,25.9,59,128,AR,USA,married,graduate,white_collar,69278.7,0.3462,limited_exam,169,102,238,48,4.96,110,,False,76.2,,False,False,False,True,False,none,,none,none,none,2,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,50,UW-089,2.5,whole_life,5000000,monthly,85517.12,,none,154067.09,,,True,excess_of_loss,worksite,False,False,False,0.03067,0.1459,SOA_2015_VBT,SOA_Scale_MP2023,2.626,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046004,0.012,False,,1.0,False,,,,0.015,0.0213,False,normal_rate,4.36,1.33,False,False,False,False,False,0.762,43.1,16.1,standard_longevity,41.8,baseline,1.24,0.383,False,,False,,4845932.91,497457.25,545709.31,550730.25,189163.87,False,0,-0.11,-17.55
LI-2024-INS004-003044,2021-05-05,6,66,72,1955,female,never_smoker,34.7,70,241,MS,USA,married,some_college,hazardous,39172.92,0.9649,limited_exam,125,91,234,62,3.77,83,8.6,False,78.8,,True,True,False,False,False,none,,type_2,none,bipolar,7,False,False,False,False,True,substandard_table_5,4.61,5.0,True,False,False,False,39,UW-478,2.25,term_life,500000,monthly,6675.45,20.0,none,,,,False,none,independent_broker,False,False,False,0.024467,0.079532,SOA_2015_VBT,SOA_Scale_MP2023,2.393,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030584,0.012,True,0.00349,1.0,False,,,,0.05,0.0464,False,normal_rate,1.64,1.69,False,False,False,False,False,0.979,28.1,22.1,preferred_longevity,60.1,baseline,0.776,1.0,False,,False,,500000.0,51250.4,52889.84,53403.6,12683.35,False,0,2.93,-6.57
LI-2024-INS004-003045,2023-11-12,4,60,64,1963,female,never_smoker,32.7,70,227,GA,USA,divorced,high_school,light_blue_collar,85445.1,0.5721,full_paramedical,141,86,142,37,3.84,95,5.0,False,74.0,,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,35,UW-194,1.25,indexed_ul,250000,quarterly,1734.64,,10yr_declining,1250.03,,,False,none,direct_to_consumer,False,False,False,0.013352,0.022699,SOA_2015_VBT,SOA_Scale_MP2023,1.354,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003338,0.015,False,,1.0,False,,,,0.08,0.2261,False,normal_rate,3.09,2.88,False,False,False,True,False,0.923,33.9,29.7,preferred_longevity,65.6,baseline,1.071,0.614,True,31.5,False,,248749.97,14618.72,13554.2,13877.12,3295.82,False,0,5.1,16.09
LI-2024-INS004-003046,2019-11-08,5,22,27,1997,male,former_smoker,30.5,76,250,AZ,USA,married,high_school,light_blue_collar,38225.58,0.4055,full_paramedical,126,82,218,51,4.27,93,,False,98.2,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-479,2.25,whole_life,500000,monthly,2862.86,,none,2017.88,,,False,none,employer_group,False,False,False,0.001662,0.006684,SOA_2015_VBT,SOA_Scale_MP2023,2.317,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002078,0.022,False,,1.0,False,,,,0.04,0.066,False,normal_rate,4.34,2.07,False,False,False,False,False,0.803,70.0,55.0,super_preferred_longevity,100.0,baseline,1.196,0.444,False,,False,,497982.12,20895.12,19517.91,22902.88,5439.43,False,0,1.7,-10.83
LI-2024-INS004-003047,2005-09-24,18,23,41,1982,male,current_smoker,33.4,67,213,IL,USA,married,some_college,white_collar,119304.15,0.6855,simplified_issue,121,75,217,47,4.62,94,5.3,True,83.4,0.99,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-005,1.5,term_life,1000000,semi_annual,5882.06,20.0,none,,,,True,coinsurance,bank,True,False,False,0.005523,0.011304,SOA_2015_VBT,SOA_Scale_MP2023,1.569,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,False,,1.0,False,,,,0.03,0.0345,False,normal_rate,3.36,1.11,False,False,False,False,True,0.94,70.0,54.2,super_preferred_longevity,100.0,baseline,0.986,0.724,False,,True,1.461,1000000.0,47952.97,46146.37,47056.48,11175.91,False,0,6.22,4.19
LI-2024-INS004-003048,2012-11-03,7,45,52,1967,female,never_smoker,34.3,61,181,PA,USA,married,some_college,white_collar,35149.75,0.6234,limited_exam,133,100,237,38,6.24,97,6.0,False,80.6,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-426,2.25,whole_life,250000,monthly,2764.12,,none,2297.18,,,False,none,independent_broker,False,False,False,0.005027,0.01871,SOA_2015_VBT,SOA_Scale_MP2023,2.394,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006284,0.015,False,,1.0,False,,,,0.02,0.024,False,normal_rate,2.45,1.28,False,False,False,False,False,0.872,49.7,42.7,super_preferred_longevity,85.9,baseline,1.032,0.655,False,,False,,247702.82,22018.58,21342.81,22112.96,5251.83,False,0,2.81,-8.12
LI-2024-INS004-003049,2023-03-06,2,79,81,1944,male,never_smoker,28.7,60,147,NC,USA,single,high_school,white_collar,35570.87,0.3094,limited_exam,165,106,251,52,4.83,77,5.1,False,48.3,8.82,False,False,True,True,False,none,,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,42,UW-275,2.5,group_life,1000000,monthly,16892.86,,none,,,,True,none,worksite,False,False,False,0.063854,0.299081,SOA_2015_VBT,SOA_Scale_MP2023,2.511,respiratory,True,2024-07-06,True,True,1020443.95,0.0007,5e-05,1.095,0.095781,0.008,False,,1.0,False,,,,0.15,0.2179,False,normal_rate,4.05,0.58,False,False,False,False,False,0.917,9.5,7.2,standard_longevity,37.9,baseline,1.268,0.273,True,17.3,False,,1000000.0,45222.57,46598.08,48651.44,49394.72,False,0,-4.1,-17.24
LI-2024-INS004-003050,2023-05-06,2,56,58,1967,male,never_smoker,21.2,69,143,IA,USA,married,some_college,light_blue_collar,59772.54,0.504,full_paramedical,140,78,213,54,3.94,97,5.8,True,68.9,6.4,False,False,False,False,True,prostate,2.8,none,none,anxiety,3,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,32,UW-482,2.0,universal_life,2000000,monthly,21918.07,,15yr_declining,14080.4,1422.12,0.101,True,excess_of_loss,captive_agent,False,False,False,0.020614,0.067842,SOA_2015_VBT,SOA_Scale_MP2023,2.042,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020614,0.015,False,,1.0,False,,,,0.08,0.028,False,normal_rate,4.85,2.72,False,False,False,False,False,0.886,34.3,31.2,preferred_longevity,66.9,baseline,1.122,0.581,False,,True,-0.724,1985919.6,169704.93,157878.91,175344.56,41644.33,False,0,0.67,-9.57
LI-2024-INS004-003051,2017-04-09,7,50,57,1967,female,former_smoker,25.2,59,124,UT,USA,divorced,some_college,professional,30893.29,0.8274,full_paramedical,138,88,188,48,3.92,106,5.4,False,97.0,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-343,2.25,term_life,500000,annual,4900.43,20.0,none,,,,False,none,bank,False,False,False,0.009856,0.032542,SOA_2015_VBT,SOA_Scale_MP2023,2.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01232,0.015,False,,1.0,False,,,,0.05,0.0519,False,normal_rate,5.67,1.9,False,False,False,False,False,0.761,45.6,40.1,super_preferred_longevity,85.1,baseline,0.879,0.761,True,45.6,False,,500000.0,39410.05,38623.58,39203.44,9310.82,False,0,2.2,-3.71
LI-2024-INS004-003052,2012-03-01,3,25,28,1987,female,never_smoker,25.4,63,143,TN,USA,single,high_school,white_collar,66260.22,0.2169,full_paramedical,135,81,220,66,3.33,111,5.5,False,98.3,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-447,1.25,term_life,500000,monthly,1469.94,20.0,none,,,,False,none,employer_group,False,False,False,0.001067,0.002262,SOA_2015_VBT,SOA_Scale_MP2023,1.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000267,0.02,False,,1.0,False,,,,0.07,0.1795,False,normal_rate,4.88,2.41,False,False,False,False,False,0.844,70.0,55.0,super_preferred_longevity,98.3,baseline,1.337,0.192,False,,False,,500000.0,10593.49,10305.69,11759.52,2792.89,False,0,0.83,22.03
LI-2024-INS004-003053,2020-04-19,3,78,81,1942,female,current_smoker,18.3,70,127,MD,USA,single,some_college,professional,115051.19,0.4825,accelerated_UW,117,68,246,53,4.64,85,,True,63.5,,True,False,False,False,False,none,,none,mild_gold_1,schizophrenia,1,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,True,44,UW-217,2.75,term_life,1000000,annual,20864.78,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.100538,0.504627,SOA_2015_VBT,SOA_Scale_MP2023,2.841,neurological,True,2020-04-21,True,False,1202581.43,0.0007,5e-05,1.095,0.175942,0.008,True,0.0036,1.0,False,,,,0.07,0.092,False,normal_rate,4.7,2.05,False,False,False,False,False,0.869,11.9,8.9,sub_standard_longevity,33.1,baseline,1.138,0.384,False,,False,,1000000.0,79791.96,67875.85,74278.62,58171.01,False,0,-2.43,-20.0
LI-2024-INS004-003054,2014-05-28,5,49,54,1965,female,former_smoker,21.5,70,149,MO,USA,married,high_school,white_collar,66887.37,0.8519,simplified_issue,133,69,256,65,3.94,85,4.4,False,,,False,False,False,True,False,none,,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,44,UW-317,1.0,term_life,5000000,annual,24631.05,30.0,none,,,,True,none,direct_to_consumer,False,False,False,0.007688,0.007136,SOA_2015_VBT,SOA_Scale_MP2023,1.078,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.0998,False,normal_rate,3.94,1.79,False,False,False,False,False,0.791,46.4,41.4,super_preferred_longevity,87.4,baseline,0.861,0.977,False,,False,,5000000.0,182953.77,190756.8,197048.4,46799.0,False,0,5.77,17.14
LI-2024-INS004-003055,2019-10-03,1,74,75,1945,male,former_smoker,31.7,70,221,DE,USA,single,high_school,white_collar,51076.38,0.5524,simplified_issue,127,81,227,51,4.45,102,5.3,False,,3.9,True,False,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-193,1.25,universal_life,2000000,monthly,15267.77,,15yr_declining,8893.17,,,True,quota_share,independent_broker,False,False,False,0.049654,0.087887,SOA_2015_VBT,SOA_Scale_MP2023,1.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012414,0.008,False,,1.0,False,,,,0.12,0.0679,False,normal_rate,2.91,0.82,True,False,False,False,False,0.766,12.6,12.5,standard_longevity,39.5,baseline,1.086,0.52,True,57.4,False,,1991106.83,82257.79,79742.63,76338.85,38169.42,False,0,1.31,11.83
LI-2024-INS004-003056,2020-05-27,5,49,54,1971,male,never_smoker,33.0,72,243,IL,USA,single,bachelors,light_blue_collar,71044.24,0.7485,limited_exam,150,90,224,48,4.67,139,5.4,False,,7.38,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-465,1.5,annuity_deferred,500000,monthly,3002.47,,none,2221.81,,,False,none,bank,False,False,False,0.007392,0.014826,SOA_2015_VBT,SOA_Scale_MP2023,1.524,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003696,0.018,True,0.00056,1.0,False,,,,0.04,0.044,False,normal_rate,5.13,2.73,False,True,False,False,False,0.923,43.1,38.1,super_preferred_longevity,80.9,baseline,0.939,0.746,False,,False,,497778.19,22913.88,24179.71,24019.76,5704.69,False,0,3.2,7.36
LI-2024-INS004-003057,2023-12-26,2,67,69,1956,male,never_smoker,26.7,64,155,WA,USA,married,some_college,white_collar,87675.91,0.6956,full_paramedical,153,91,275,46,5.98,100,5.4,False,81.0,1.68,False,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,46,UW-216,1.5,whole_life,500000,annual,3892.07,,none,2347.89,,,False,none,worksite,False,False,False,0.023822,0.049548,SOA_2015_VBT,SOA_Scale_MP2023,1.615,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011911,0.012,False,,1.0,False,,,,0.04,0.0457,False,normal_rate,3.11,0.57,False,False,False,False,False,0.998,22.1,20.1,standard_longevity,53.1,baseline,0.978,0.722,False,,False,,497652.11,32760.68,28450.49,31136.56,7394.93,False,0,4.5,6.06
LI-2024-INS004-003058,2007-07-02,5,47,52,1960,female,never_smoker,30.5,65,183,IN,USA,married,some_college,light_blue_collar,39841.0,0.7982,simplified_issue,126,70,227,40,5.67,96,4.7,False,91.8,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-408,2.0,term_life,500000,monthly,3894.37,20.0,none,,,,False,none,worksite,False,False,False,0.004661,0.013178,SOA_2015_VBT,SOA_Scale_MP2023,2.027,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004661,0.015,False,,1.0,False,,,,0.07,0.0743,False,normal_rate,3.61,2.0,False,False,False,False,False,0.898,47.4,42.4,super_preferred_longevity,88.1,baseline,0.901,0.929,False,,False,,500000.0,32751.1,26850.56,31154.96,7399.3,False,0,0.25,6.12
LI-2024-INS004-003059,2015-08-26,10,72,82,1943,female,former_smoker,40.1,63,226,CT,USA,single,some_college,professional,30820.13,0.7689,simplified_issue,148,98,259,40,6.47,84,5.7,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-271,2.25,term_life,100000,quarterly,1519.4,25.0,none,,,,False,none,bank,False,False,False,0.071817,0.25442,SOA_2015_VBT,SOA_Scale_MP2023,2.483,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.089771,0.008,False,,1.0,False,,,,0.05,0.0542,False,normal_rate,2.44,1.78,False,False,False,False,False,0.879,19.2,9.2,standard_longevity,37.8,baseline,0.923,0.704,False,,False,,100000.0,5862.49,4888.92,5591.39,4199.62,False,0,1.45,-8.66
LI-2024-INS004-003060,2015-09-22,2,22,24,1993,male,former_smoker,29.4,64,171,MT,USA,divorced,high_school,professional,20000.0,0.7763,limited_exam,105,70,158,59,2.68,77,4.8,False,,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-289,2.25,group_life,1000000,quarterly,4369.55,,none,,,,True,quota_share,captive_agent,False,False,False,0.001483,0.005155,SOA_2015_VBT,SOA_Scale_MP2023,2.425,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001854,0.022,False,,1.0,False,,,,0.15,0.1618,False,normal_rate,2.77,1.38,False,False,False,False,False,0.977,70.0,55.0,super_preferred_longevity,100.0,baseline,0.918,0.876,False,,False,,1000000.0,34263.93,30291.82,34956.4,8302.15,False,0,2.94,-11.97
LI-2024-INS004-003061,2007-08-20,4,32,36,1975,male,current_smoker,16.9,73,128,OR,USA,married,bachelors,professional,21528.35,0.7417,full_paramedical,105,57,164,60,2.73,82,5.1,True,102.8,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-255,1.5,term_life,1000000,monthly,4323.82,20.0,none,,,,True,coinsurance,bank,False,False,False,0.00402,0.008015,SOA_2015_VBT,SOA_Scale_MP2023,1.583,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.018,False,,1.0,True,2025-11-14,replacement,4.0,0.07,0.0775,False,normal_rate,3.85,2.89,False,False,False,False,False,0.99,60.7,55.0,super_preferred_longevity,100.0,baseline,0.944,0.674,False,,False,,1000000.0,34111.66,35388.18,34590.56,8215.26,False,0,0.66,2.59
LI-2024-INS004-003062,2000-01-02,6,62,68,1938,female,former_smoker,32.9,64,191,ID,USA,married,less_than_hs,heavy_blue_collar,20000.0,0.5967,full_paramedical,150,98,228,40,5.7,103,5.4,False,,,True,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,1.11,2.0,False,False,False,False,17,UW-028,1.5,universal_life,100000,monthly,758.95,,10yr_declining,616.9,,,False,none,independent_broker,False,False,False,0.022109,0.049401,SOA_2015_VBT,SOA_Scale_MP2023,1.648,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011054,0.005,False,,1.0,False,,,,0.06,0.033,False,normal_rate,4.02,1.47,False,False,False,False,False,0.788,30.5,24.5,preferred_longevity,68.2,baseline,1.052,0.678,False,,False,,99383.1,6230.36,5344.03,6071.6,1442.01,False,0,2.74,6.24
LI-2024-INS004-003063,2020-03-21,5,79,84,1941,male,never_smoker,27.3,63,154,AL,USA,single,graduate,light_blue_collar,20000.0,0.6168,non_med_guaranteed,163,100,220,40,5.5,97,,False,71.2,5.27,False,True,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-137,2.25,term_life,500000,monthly,8104.89,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.080692,0.308709,SOA_2015_VBT,SOA_Scale_MP2023,2.433,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.100865,0.008,True,0.00418,1.0,False,,,,0.07,0.1182,False,normal_rate,3.45,1.11,False,False,False,False,False,0.904,7.3,3.1,sub_standard_longevity,26.4,baseline,1.037,0.594,False,,True,0.546,500000.0,9349.92,10242.07,10050.06,26357.1,False,0,-0.68,-9.4
LI-2024-INS004-003064,2016-09-26,10,19,29,1997,female,never_smoker,17.5,63,98,KS,USA,widowed,some_college,white_collar,22903.85,0.6896,full_paramedical,114,64,197,44,4.48,70,,False,83.8,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-415,0.82,whole_life,1000000,monthly,1733.85,,none,1495.84,,,True,excess_of_loss,worksite,False,False,False,0.001115,0.000892,SOA_2015_VBT,SOA_Scale_MP2023,0.814,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.023,False,normal_rate,4.33,2.3,False,False,False,False,False,0.763,70.0,61.0,super_preferred_longevity,100.0,baseline,0.983,0.744,True,65.9,False,,998504.16,14844.51,13250.24,13870.8,3294.31,False,0,4.2,33.21
LI-2024-INS004-003065,2009-06-27,14,56,70,1953,female,never_smoker,25.8,71,184,AZ,USA,married,bachelors,professional,53439.42,0.1103,full_paramedical,137,79,192,44,4.36,76,5.8,False,81.2,,False,True,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-177,1.25,term_life,1000000,annual,8060.58,30.0,none,,,,True,coinsurance,bank,False,False,False,0.020055,0.046939,SOA_2015_VBT,SOA_Scale_MP2023,1.475,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005014,0.012,False,,1.0,False,,,,0.03,0.0484,False,normal_rate,2.83,2.45,False,False,False,False,False,0.958,37.4,23.4,standard_longevity,59.3,baseline,1.417,0.15,False,,False,,1000000.0,66495.73,57495.96,64484.64,15315.1,False,0,3.87,7.03
LI-2024-INS004-003066,2000-02-19,14,57,71,1943,male,never_smoker,21.8,62,119,WY,USA,divorced,some_college,light_blue_collar,20000.0,0.8881,limited_exam,117,81,218,39,5.59,85,5.1,False,,5.75,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-385,1.25,universal_life,5000000,quarterly,34275.16,,10yr_declining,35823.24,,,True,none,employer_group,False,False,False,0.026499,0.037452,SOA_2015_VBT,SOA_Scale_MP2023,1.395,cancer,True,2002-02-08,True,True,1397519.01,0.0007,5e-05,1.095,0.006625,0.008,False,,1.0,False,,,,0.04,0.0475,False,normal_rate,4.72,2.17,False,False,False,False,False,0.83,30.6,16.6,standard_longevity,50.7,baseline,0.834,0.787,False,,False,,4964176.76,212471.41,238328.99,227587.06,74445.65,False,0,3.93,15.97
LI-2024-INS004-003067,2015-01-28,7,23,30,1992,male,never_smoker,24.7,61,130,VA,USA,married,some_college,white_collar,20000.0,0.5596,full_paramedical,116,67,247,45,5.49,104,4.6,False,,,False,False,False,False,True,prostate,10.1,none,none,anxiety,0,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,19,UW-284,1.25,term_life,2000000,quarterly,6244.06,30.0,none,,,,True,facultative,independent_broker,False,False,False,0.00146,0.002493,SOA_2015_VBT,SOA_Scale_MP2023,1.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000365,0.022,False,,1.0,False,,,,0.05,0.0626,False,normal_rate,1.94,2.21,False,False,False,False,False,0.816,70.0,55.0,super_preferred_longevity,100.0,baseline,1.08,0.597,False,,False,,2000000.0,51831.77,52369.74,49952.48,11863.71,False,0,2.27,12.24
LI-2024-INS004-003068,2003-08-14,18,67,85,1936,male,current_smoker,25.3,63,143,OK,USA,married,bachelors,white_collar,142464.6,0.7655,accelerated_UW,139,78,199,35,5.69,65,6.0,True,62.5,1.68,False,False,True,False,False,none,,none,mild_gold_1,substance_use_disorder,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,True,26,UW-229,2.75,term_life,100000,annual,1979.55,15.0,none,,,,False,none,employer_group,False,False,False,0.184304,0.812277,SOA_2015_VBT,SOA_Scale_MP2023,2.87,cancer,True,2008-10-24,False,False,1555744.38,0.0007,5e-05,1.095,0.322533,0.005,False,,1.0,False,,,,0.03,0.0392,False,normal_rate,3.16,1.1,False,False,False,False,False,0.827,21.9,3.9,standard_longevity,39.8,baseline,0.926,0.713,False,,False,,100000.0,2904.73,2931.3,3088.1,6310.81,False,0,2.62,-20.0
LI-2024-INS004-003069,2000-12-02,21,80,101,1920,non_binary,never_smoker,20.6,69,139,NM,USA,married,bachelors,professional,132494.19,0.3596,full_paramedical,127,81,203,54,3.76,87,5.4,False,36.0,,False,False,False,False,True,leukemia,22.5,none,none,depression,2,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,40,UW-421,3.0,annuity_deferred,500000,monthly,12347.02,,none,17881.99,,,False,none,worksite,False,False,False,0.198996,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,3.083,other,True,2002-11-11,True,True,1738306.65,0.0007,5e-05,1.095,0.397993,0.012,False,,1.0,False,,,,0.01,0.0141,False,normal_rate,2.71,1.87,False,False,False,False,False,0.962,5.0,1.0,sub_standard_longevity,19.4,baseline,1.23,0.348,False,,False,,482118.01,4882.53,4957.3,4938.81,42226.81,False,0,0.61,-20.0
LI-2024-INS004-003070,2013-03-16,5,20,25,1993,non_binary,current_smoker,29.5,70,205,TN,USA,single,bachelors,heavy_blue_collar,71224.09,0.5032,full_paramedical,123,73,267,44,6.07,80,5.0,True,90.8,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_4,0.62,4.0,False,False,False,False,29,UW-436,2.0,term_life,1000000,monthly,3684.9,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.002129,0.006937,SOA_2015_VBT,SOA_Scale_MP2023,2.012,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002129,0.022,False,,1.0,False,,,,0.07,0.0908,False,normal_rate,4.8,0.87,False,False,False,False,False,0.791,70.0,55.0,super_preferred_longevity,100.0,baseline,1.123,0.342,False,,False,,1000000.0,29132.16,25469.68,29479.2,7001.31,False,0,0.97,-6.49
LI-2024-INS004-003071,2024-08-10,1,35,36,1989,male,never_smoker,24.8,73,188,MD,USA,married,bachelors,hazardous,31807.9,0.4337,full_paramedical,118,69,183,46,3.98,87,5.5,False,,,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,4.76,4.0,True,False,False,False,23,UW-438,2.0,term_life,250000,monthly,1661.98,15.0,none,,,,False,none,employer_group,False,False,False,0.00201,0.007223,SOA_2015_VBT,SOA_Scale_MP2023,2.208,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.02,False,,1.0,False,,,,0.1,0.1624,False,normal_rate,3.87,2.03,False,False,False,False,False,0.979,58.7,55.0,super_preferred_longevity,100.0,baseline,1.175,0.526,False,,True,2.001,250000.0,14446.47,12937.93,13295.84,3157.76,False,0,0.7,-10.6
LI-2024-INS004-003072,2020-04-03,6,32,38,1988,male,never_smoker,19.9,64,116,AK,USA,divorced,some_college,white_collar,27490.83,0.8031,full_paramedical,120,62,146,48,3.04,84,5.0,False,99.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,15,UW-274,0.6,indexed_ul,100000,quarterly,170.02,,10yr_declining,135.99,,,False,none,independent_broker,False,False,False,0.00227,0.005559,SOA_2015_VBT,SOA_Scale_MP2023,0.618,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.0043,1.0,False,,,,0.06,0.0286,False,normal_rate,5.1,0.83,False,False,False,False,False,0.863,63.0,55.0,super_preferred_longevity,100.0,baseline,0.898,0.838,False,,False,,99864.01,1294.38,1324.0,1360.16,323.04,False,0,6.52,29.9
LI-2024-INS004-003073,2011-06-16,4,69,73,1942,male,former_smoker,24.9,60,127,KS,USA,single,high_school,light_blue_collar,44285.08,0.838,simplified_issue,119,69,205,64,3.2,84,5.3,False,60.7,12.59,False,False,False,False,False,none,,none,none,none,1,True,False,False,False,False,preferred,2.74,,True,False,False,False,6,UW-183,0.84,whole_life,1000000,semi_annual,5699.88,,none,3882.46,,,True,excess_of_loss,independent_broker,False,False,False,0.0407,0.028412,SOA_2015_VBT,SOA_Scale_MP2023,0.801,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0412,False,normal_rate,2.1,2.25,False,False,False,False,False,0.955,18.3,14.3,standard_longevity,46.5,baseline,0.872,0.791,False,,False,,996117.54,32191.36,32052.92,32603.31,13428.92,False,0,4.53,12.97
LI-2024-INS004-003074,2007-08-03,2,25,27,1982,female,never_smoker,30.1,63,169,KY,USA,married,some_college,professional,126290.64,0.4984,full_paramedical,124,75,157,45,3.49,98,4.4,False,105.5,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-300,2.25,term_life,2000000,monthly,11172.81,25.0,none,,,,True,facultative,bank,False,False,False,0.001023,0.004087,SOA_2015_VBT,SOA_Scale_MP2023,2.437,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001279,0.02,False,,1.0,False,,,,0.07,0.0911,False,normal_rate,0.93,2.75,False,False,False,False,False,0.95,70.0,55.0,super_preferred_longevity,100.0,baseline,1.126,0.572,False,,True,0.002,2000000.0,80499.85,86145.59,89382.48,21228.34,False,0,0.16,-7.52
LI-2024-INS004-003075,2011-11-14,12,50,62,1961,female,former_smoker,30.6,71,219,IL,USA,married,bachelors,hazardous,45389.73,0.2942,limited_exam,146,78,211,43,4.91,75,,False,46.4,,True,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,4.84,2.0,True,False,False,False,7,UW-114,1.5,universal_life,500000,quarterly,4199.95,,15yr_declining,4100.32,,,False,none,worksite,False,False,False,0.014178,0.03856,SOA_2015_VBT,SOA_Scale_MP2023,1.735,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007089,0.015,False,,1.0,False,,,,0.04,0.0264,False,normal_rate,2.62,2.68,False,False,False,False,False,0.84,42.5,31.5,preferred_longevity,64.2,baseline,1.279,0.36,True,43.5,False,,495899.68,31512.13,32839.49,33599.6,7979.9,False,0,-0.44,6.21
LI-2024-INS004-003076,2024-09-20,3,58,61,1966,female,former_smoker,34.6,63,195,MI,USA,married,some_college,white_collar,139927.31,0.5832,full_paramedical,139,83,243,48,5.06,152,4.8,False,95.5,,False,False,False,False,True,melanoma,2.7,none,none,none,2,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,35,UW-269,2.25,whole_life,100000,monthly,1171.4,,none,757.16,,,False,none,worksite,False,False,False,0.013826,0.053761,SOA_2015_VBT,SOA_Scale_MP2023,2.483,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017282,0.015,False,,1.0,False,,,,0.04,0.0493,False,normal_rate,2.48,1.11,False,False,False,False,False,0.825,36.4,33.4,preferred_longevity,71.3,baseline,1.063,0.532,False,,False,,99242.84,10039.64,8851.57,9371.2,2225.66,False,0,1.48,-10.7
LI-2024-INS004-003077,2006-11-13,1,74,75,1932,female,never_smoker,17.0,59,90,DE,USA,married,high_school,white_collar,43065.99,0.8149,accelerated_UW,149,90,205,51,4.02,82,5.7,False,73.8,,False,False,False,True,False,none,,none,none,anxiety,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,50,UW-343,2.5,term_life,1000000,annual,17855.74,30.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.030411,0.115949,SOA_2015_VBT,SOA_Scale_MP2023,2.602,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.045616,0.005,False,,1.0,True,2026-03-16,non_payment,1.0,0.1,0.1467,False,normal_rate,4.56,1.72,False,False,False,False,False,0.773,15.5,14.5,standard_longevity,46.5,baseline,0.889,0.786,False,,False,,1000000.0,94054.72,100498.41,103563.29,41782.43,False,0,1.67,-17.82
LI-2024-INS004-003078,2000-09-11,12,49,61,1951,female,never_smoker,30.1,58,143,TX,USA,married,graduate,professional,59835.36,0.7087,full_paramedical,137,74,239,37,6.46,87,5.1,False,84.1,,True,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-248,2.25,universal_life,100000,semi_annual,1250.69,,10yr_declining,1209.1,,,False,none,bank,False,False,False,0.008981,0.032851,SOA_2015_VBT,SOA_Scale_MP2023,2.486,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011227,0.012,False,,1.0,False,,,,0.04,0.0453,False,normal_rate,5.31,2.47,True,False,False,False,False,0.964,43.4,31.4,preferred_longevity,70.2,baseline,0.968,0.743,False,,False,,98790.9,10236.92,9294.26,10005.52,2376.31,False,0,0.37,-11.84
LI-2024-INS004-003079,2022-06-23,1,35,36,1987,female,never_smoker,30.2,69,204,MS,USA,single,graduate,professional,202646.16,0.0495,limited_exam,111,69,153,63,2.43,83,5.6,False,89.1,,False,False,False,False,False,none,,none,none,none,16,False,False,False,False,False,preferred,,,False,False,False,False,9,UW-299,0.83,whole_life,1000000,semi_annual,2707.33,,none,1665.13,,,True,quota_share,independent_broker,False,False,False,0.001608,0.001978,SOA_2015_VBT,SOA_Scale_MP2023,0.841,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.0,1.0,False,,,,0.06,0.1395,False,normal_rate,0.98,0.79,False,False,False,False,False,0.751,60.8,55.0,super_preferred_longevity,95.7,baseline,1.463,0.007,False,,False,,998334.87,21004.19,19904.43,21658.64,5143.93,False,0,8.19,22.71
LI-2024-INS004-003080,2014-01-05,9,45,54,1969,female,never_smoker,33.4,71,239,MA,USA,married,bachelors,light_blue_collar,67238.11,0.5912,full_paramedical,124,78,201,47,4.28,108,6.5,False,68.0,,False,False,False,False,False,none,,type_2,none,none,3,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,48,UW-023,1.5,indexed_ul,500000,monthly,3367.94,,10yr_declining,2945.87,,,False,none,independent_broker,False,False,False,0.005914,0.013535,SOA_2015_VBT,SOA_Scale_MP2023,1.693,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.015,False,,1.0,False,,,,0.06,0.0331,False,normal_rate,3.14,0.68,False,False,False,False,False,0.897,49.9,41.5,super_preferred_longevity,83.6,baseline,1.057,0.58,False,,True,0.373,497054.13,25393.57,27367.02,26943.52,6399.09,False,0,2.63,-7.06
LI-2024-INS004-003081,2015-10-23,9,32,41,1983,male,never_smoker,31.7,75,253,WY,USA,married,less_than_hs,heavy_blue_collar,56098.31,0.3723,simplified_issue,138,75,230,65,3.54,107,,False,96.2,0.74,True,False,False,False,False,none,,none,none,depression,0,False,True,False,False,False,substandard_table_1,1.44,1.0,False,False,False,False,30,UW-162,1.25,annuity_deferred,500000,semi_annual,2157.37,,none,1963.24,,,False,none,independent_broker,False,True,False,0.002761,0.005126,SOA_2015_VBT,SOA_Scale_MP2023,1.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00069,0.02,False,,1.0,False,,,,0.02,0.028,False,normal_rate,2.5,1.08,False,False,False,False,False,0.944,60.5,53.6,super_preferred_longevity,98.5,baseline,1.221,0.387,True,46.5,False,,498036.76,17068.65,18098.72,17258.96,4099.0,False,0,2.84,11.13
LI-2024-INS004-003082,2023-05-12,1,19,20,2004,female,never_smoker,19.1,60,97,HI,USA,single,high_school,light_blue_collar,62127.83,0.7697,limited_exam,118,70,208,59,3.53,89,5.1,False,,,True,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-424,1.25,group_life,500000,semi_annual,1132.55,,none,,,,False,none,captive_agent,False,False,False,0.000805,0.001131,SOA_2015_VBT,SOA_Scale_MP2023,1.251,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000201,0.012,False,,1.0,False,,,,0.18,0.1952,False,normal_rate,3.37,1.14,False,False,False,False,False,0.975,70.0,55.0,super_preferred_longevity,100.0,baseline,0.923,0.894,False,,False,,500000.0,8760.48,9090.29,9060.4,2151.84,False,0,3.95,18.86
LI-2024-INS004-003083,2013-07-18,12,51,63,1962,female,never_smoker,29.5,64,171,IN,USA,single,bachelors,light_blue_collar,55081.07,0.9145,full_paramedical,123,82,173,41,4.22,88,,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-242,1.25,group_life,500000,monthly,3045.66,,none,,,,False,none,direct_to_consumer,False,False,False,0.012066,0.016955,SOA_2015_VBT,SOA_Scale_MP2023,1.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003016,0.015,False,,1.0,True,2026-02-18,voluntary_surrender,12.0,0.1,0.1356,False,normal_rate,2.93,1.98,False,False,False,False,False,0.857,44.2,36.4,super_preferred_longevity,80.8,baseline,0.814,0.783,True,71.9,False,,500000.0,25436.98,21890.67,24365.28,5786.75,False,0,4.36,19.03
LI-2024-INS004-003084,2005-02-22,5,76,81,1929,female,never_smoker,22.9,58,109,MS,USA,single,graduate,light_blue_collar,21599.92,0.7889,full_paramedical,154,76,233,47,4.96,91,,False,91.0,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-013,1.5,universal_life,500000,annual,5623.52,,15yr_declining,4215.06,,,False,none,independent_broker,False,False,False,0.039155,0.081141,SOA_2015_VBT,SOA_Scale_MP2023,1.731,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019577,0.012,False,,1.0,False,,,,0.08,0.0385,False,normal_rate,3.03,1.82,False,False,False,False,False,0.914,13.5,8.5,standard_longevity,37.1,baseline,0.908,0.809,False,,False,,495784.94,19387.69,19021.09,19119.97,15858.33,False,0,-0.06,9.07
LI-2024-INS004-003085,2000-09-16,14,68,82,1932,female,never_smoker,26.4,65,158,WA,USA,married,bachelors,heavy_blue_collar,36401.99,0.421,full_paramedical,144,86,236,46,5.13,84,,False,56.3,,False,True,False,True,False,none,,none,none,none,5,False,False,False,False,True,substandard_table_6,1.32,6.0,False,False,False,False,26,UW-396,2.5,whole_life,500000,monthly,9185.92,,none,10289.22,9229.43,0.897,False,none,bank,False,False,False,0.055871,0.255176,SOA_2015_VBT,SOA_Scale_MP2023,2.59,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.083807,0.005,False,,1.0,False,,,,0.015,0.0123,False,normal_rate,3.6,1.61,False,False,False,False,False,0.918,19.9,5.9,sub_standard_longevity,27.7,baseline,1.184,0.525,False,,False,,489710.78,23685.42,21768.9,21678.77,27814.97,False,0,1.43,-20.0
LI-2024-INS004-003086,2022-02-21,5,54,59,1968,female,never_smoker,29.5,67,188,AR,USA,married,high_school,white_collar,67770.69,0.4382,full_paramedical,155,94,207,33,6.27,125,4.8,False,77.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,16,UW-170,1.0,universal_life,1000000,annual,4647.15,,10yr_declining,3337.86,,,True,none,captive_agent,True,False,False,0.008972,0.018508,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00734,1.0,False,,,,0.08,0.0486,False,normal_rate,1.74,1.81,False,False,False,False,False,0.775,40.2,35.2,preferred_longevity,71.9,baseline,1.171,0.305,False,,False,,996662.14,36481.33,36273.8,37177.2,8829.58,False,0,2.21,10.17
LI-2024-INS004-003087,2023-04-02,3,47,50,1976,male,never_smoker,25.3,70,176,NJ,USA,married,graduate,professional,56182.01,0.7705,accelerated_UW,120,79,160,44,3.64,121,6.1,False,68.7,4.16,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,27,UW-417,2.0,term_life,1000000,quarterly,9048.27,10.0,none,,,,True,facultative,worksite,False,False,False,0.005359,0.01639,SOA_2015_VBT,SOA_Scale_MP2023,2.232,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.018,False,,1.0,False,,,,0.07,0.0759,False,normal_rate,5.44,2.72,False,False,False,False,False,0.93,45.9,42.9,super_preferred_longevity,88.4,baseline,0.922,0.773,False,,False,,1000000.0,67008.69,71407.42,72386.16,17191.71,False,0,3.67,-0.56
LI-2024-INS004-003088,2006-12-01,12,78,90,1928,male,never_smoker,22.0,62,120,KS,USA,single,bachelors,heavy_blue_collar,30583.48,0.6618,accelerated_UW,128,76,206,42,4.9,74,,False,84.6,11.27,False,True,False,False,False,none,,none,none,none,6,False,False,False,True,True,substandard_table_1,0.76,1.0,False,False,False,True,31,UW-285,1.25,term_life,500000,annual,5075.14,20.0,none,,,,True,none,employer_group,False,False,False,0.103777,0.168117,SOA_2015_VBT,SOA_Scale_MP2023,1.365,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025944,0.012,False,,1.0,False,,,,0.03,0.0421,False,normal_rate,2.84,0.82,False,False,False,False,False,0.798,6.8,1.0,sub_standard_longevity,23.9,baseline,1.004,0.612,False,,False,,500000.0,1909.17,1726.94,2030.06,17356.98,False,0,2.24,9.09
LI-2024-INS004-003089,2012-04-13,15,62,77,1950,male,never_smoker,26.4,66,163,VA,USA,married,bachelors,white_collar,46407.88,0.9548,full_paramedical,161,94,250,39,6.41,84,,False,,3.92,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-471,2.0,term_life,2000000,quarterly,22755.26,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.044558,0.115533,SOA_2015_VBT,SOA_Scale_MP2023,2.032,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044558,0.012,False,,1.0,False,,,,0.03,0.0281,False,normal_rate,3.0,1.73,False,False,False,False,False,0.92,27.3,12.3,standard_longevity,45.3,baseline,0.784,0.871,False,,False,,2000000.0,120318.61,105258.63,111955.88,57252.23,False,0,0.19,-7.23
LI-2024-INS004-003090,2010-05-12,10,37,47,1973,female,never_smoker,23.9,60,122,KY,USA,married,some_college,white_collar,107297.73,0.1509,full_paramedical,120,62,194,60,3.23,81,,False,102.4,,False,False,False,False,False,none,,none,none,none,7,False,False,True,False,True,preferred_plus,,,False,False,False,False,42,UW-016,0.56,term_life,500000,annual,1143.06,15.0,none,,,,False,none,captive_agent,True,False,False,0.003401,0.002679,SOA_2015_VBT,SOA_Scale_MP2023,0.568,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.079,False,normal_rate,5.07,2.37,False,False,False,False,False,0.878,57.0,47.0,super_preferred_longevity,85.3,baseline,1.387,0.172,False,,False,,500000.0,8365.48,7811.59,9144.48,2171.81,False,0,3.43,34.36
LI-2024-INS004-003091,2020-01-18,6,49,55,1971,male,never_smoker,31.3,66,194,IA,USA,married,some_college,professional,153180.24,0.3915,accelerated_UW,127,72,245,24,10.21,98,,False,83.8,1.88,False,False,False,False,True,colorectal,10.4,none,none,none,10,False,False,False,False,True,substandard_table_3,,3.0,False,False,False,True,38,UW-193,1.75,term_life,100000,quarterly,914.27,20.0,none,,,,False,none,captive_agent,False,False,False,0.008025,0.030997,SOA_2015_VBT,SOA_Scale_MP2023,1.759,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006019,0.018,True,0.00795,1.0,False,,,,0.05,0.0693,False,normal_rate,3.62,1.51,False,False,False,False,False,0.959,41.7,35.7,preferred_longevity,71.9,baseline,1.206,0.295,False,,False,,100000.0,7605.67,7502.77,7314.16,1737.11,False,0,2.8,1.39
LI-2024-INS004-003092,2009-06-21,10,32,42,1977,female,never_smoker,18.4,61,97,WA,USA,married,bachelors,heavy_blue_collar,174619.43,0.5194,limited_exam,129,70,199,61,3.26,76,4.6,False,83.4,,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,0.69,4.0,False,False,False,False,21,UW-218,2.0,whole_life,250000,annual,1631.7,,none,1433.55,,,True,excess_of_loss,independent_broker,False,False,False,0.002366,0.008223,SOA_2015_VBT,SOA_Scale_MP2023,2.23,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.018,False,,1.0,False,,,,0.02,0.0257,False,normal_rate,3.88,2.75,False,False,False,False,False,0.995,64.1,59.1,super_preferred_longevity,100.0,baseline,1.11,0.378,True,61.3,False,,248566.45,12728.27,12861.03,13053.6,3100.23,False,0,3.79,0.37
LI-2024-INS004-003093,2005-11-14,10,51,61,1954,female,unknown,24.8,66,153,MA,USA,married,bachelors,professional,45147.08,0.7308,full_paramedical,136,83,218,48,4.54,87,5.2,False,72.5,,True,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-203,1.25,whole_life,500000,monthly,2836.12,,none,2716.03,,,True,none,captive_agent,False,False,False,0.01071,0.015553,SOA_2015_VBT,SOA_Scale_MP2023,1.263,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002677,0.012,False,,1.0,False,,,,0.02,0.0223,False,normal_rate,6.22,0.77,False,False,False,False,False,0.896,42.0,33.4,preferred_longevity,73.6,baseline,0.952,0.941,True,47.3,False,,497283.97,21163.01,20881.69,22688.96,5388.63,False,0,2.66,18.8
LI-2024-INS004-003094,2012-12-07,15,41,56,1971,female,never_smoker,23.7,58,113,IN,USA,married,graduate,professional,42945.71,0.8089,full_paramedical,139,87,215,59,3.64,87,5.1,False,101.0,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,38,UW-407,2.25,term_life,500000,monthly,5978.46,15.0,none,,,,False,none,independent_broker,False,False,False,0.006975,0.023529,SOA_2015_VBT,SOA_Scale_MP2023,2.377,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008719,0.018,False,,1.0,False,,,,0.03,0.0316,False,normal_rate,3.24,2.11,False,False,False,False,False,0.84,55.3,43.8,super_preferred_longevity,90.3,baseline,0.893,0.977,True,60.1,False,,500000.0,48879.47,47970.01,47827.68,11359.07,False,0,0.62,-12.03
LI-2024-INS004-003095,2005-06-16,10,49,59,1956,female,never_smoker,29.6,72,217,PA,USA,married,bachelors,light_blue_collar,23222.49,0.692,non_med_guaranteed,136,86,204,64,3.19,75,4.9,False,73.9,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-377,1.25,term_life,500000,quarterly,2699.87,10.0,none,,,,False,none,captive_agent,True,False,False,0.008048,0.011944,SOA_2015_VBT,SOA_Scale_MP2023,1.258,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002012,0.012,False,,1.0,False,,,,0.05,0.0573,False,normal_rate,2.64,0.53,False,False,False,False,False,0.756,44.1,34.1,preferred_longevity,74.0,baseline,0.981,0.555,False,,False,,500000.0,19725.22,21497.52,21598.96,5129.75,False,0,4.13,11.63
LI-2024-INS004-003096,2002-06-24,13,34,47,1968,male,never_smoker,26.4,67,168,OR,USA,widowed,graduate,professional,38836.16,0.8134,accelerated_UW,113,80,208,61,3.41,77,4.6,False,76.8,2.46,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,preferred,,,False,False,False,True,4,UW-060,0.82,whole_life,1000000,monthly,3098.28,,none,3293.74,,,True,excess_of_loss,employer_group,False,False,False,0.004251,0.002894,SOA_2015_VBT,SOA_Scale_MP2023,0.765,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.015,0.0189,False,normal_rate,3.35,1.66,False,False,False,False,False,0.94,57.7,49.5,super_preferred_longevity,99.0,baseline,0.89,0.769,True,65.5,False,,996706.26,24273.81,23680.25,24786.24,5886.73,False,0,4.37,18.68
LI-2024-INS004-003097,2006-08-03,14,36,50,1970,female,never_smoker,20.8,61,110,GA,USA,married,bachelors,white_collar,20000.0,0.4706,full_paramedical,131,85,193,49,3.94,94,5.5,False,69.9,,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,8,UW-148,2.0,whole_life,500000,monthly,4261.98,,none,4457.1,,,False,none,bank,False,False,False,0.004288,0.014645,SOA_2015_VBT,SOA_Scale_MP2023,2.106,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004288,0.018,False,,1.0,False,,,,0.015,0.0199,False,normal_rate,3.11,2.35,False,False,False,False,False,0.774,58.8,44.8,super_preferred_longevity,86.8,baseline,1.147,0.396,False,,False,,495542.9,35347.24,33067.27,34095.84,8097.76,False,0,-0.74,-10.4
LI-2024-INS004-003098,2016-09-03,2,28,30,1988,female,never_smoker,25.5,60,130,CA,USA,divorced,high_school,professional,67965.18,0.8424,limited_exam,120,71,188,51,3.69,96,4.7,False,89.6,,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,,,False,False,False,False,7,UW-477,0.96,term_life,1000000,quarterly,2401.14,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.001168,0.000924,SOA_2015_VBT,SOA_Scale_MP2023,0.911,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0718,False,normal_rate,1.8,0.51,False,False,False,False,False,0.753,70.0,62.8,super_preferred_longevity,100.0,baseline,0.868,0.683,True,74.6,False,,1000000.0,18975.74,18616.86,19209.12,4562.17,False,0,6.53,21.26
LI-2024-INS004-003099,2001-08-23,17,32,49,1969,female,never_smoker,28.8,65,172,WY,USA,single,high_school,heavy_blue_collar,61276.69,0.4204,full_paramedical,108,68,157,59,2.66,109,5.4,False,,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,0.86,5.0,False,False,False,False,29,UW-251,2.25,indexed_ul,1000000,annual,10362.66,,15yr_declining,12103.51,,,True,quota_share,direct_to_consumer,False,False,False,0.003965,0.015647,SOA_2015_VBT,SOA_Scale_MP2023,2.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004956,0.015,False,,1.0,False,,,,0.04,0.0764,False,normal_rate,4.05,0.97,False,False,False,False,False,0.803,62.2,48.4,super_preferred_longevity,91.4,baseline,1.185,0.223,True,55.3,False,,987896.49,85471.13,81267.8,82901.28,19689.05,False,0,-0.09,-12.73
LI-2024-INS004-003100,2004-06-02,10,78,88,1926,male,former_smoker,15.0,66,92,MT,USA,married,high_school,professional,32103.7,0.5923,full_paramedical,137,83,212,66,3.21,92,4.6,False,68.9,8.3,True,True,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,declined,,,False,False,True,False,23,UW-240,7.0,universal_life,500000,monthly,26053.31,,10yr_declining,23329.87,,,False,none,independent_broker,False,False,False,0.111495,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.747,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.06,0.0331,False,normal_rate,3.18,2.61,False,False,False,False,False,0.926,6.2,1.1,sub_standard_longevity,23.0,baseline,1.056,0.611,True,57.0,False,,476670.13,12225.76,9851.87,11463.46,88893.89,False,0,-5.0,-20.0
LI-2024-INS004-003101,2022-06-19,3,54,57,1968,male,never_smoker,30.2,71,216,HI,USA,single,bachelors,hazardous,135367.55,0.7303,full_paramedical,142,94,160,40,4.0,95,4.8,False,75.8,1.24,False,False,True,True,False,none,,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_6,3.67,6.0,True,False,False,False,42,UW-359,2.5,term_life,500000,semi_annual,5769.56,20.0,none,,,,False,none,captive_agent,False,False,False,0.009477,0.040808,SOA_2015_VBT,SOA_Scale_MP2023,2.666,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014215,0.015,True,0.00253,1.0,False,,,,0.07,0.0781,False,normal_rate,3.36,2.54,False,False,False,False,False,0.816,40.3,42.9,super_preferred_longevity,97.8,baseline,0.952,0.909,True,77.1,False,,500000.0,50278.84,47986.58,46156.48,10962.16,False,0,0.72,-10.56
LI-2024-INS004-003102,2016-08-02,8,58,66,1958,female,former_smoker,29.0,66,179,UT,USA,divorced,graduate,light_blue_collar,64536.44,0.8169,full_paramedical,122,63,245,51,4.8,82,,False,96.3,,False,False,False,False,False,none,,none,none,none,7,False,False,False,True,True,standard,,,False,False,False,False,53,UW-493,1.08,term_life,500000,annual,2994.76,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.019549,0.019656,SOA_2015_VBT,SOA_Scale_MP2023,1.043,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001564,0.012,False,,1.0,False,,,,0.05,0.0733,False,normal_rate,3.72,2.06,False,False,False,False,False,0.94,35.9,30.5,preferred_longevity,70.5,baseline,0.887,0.963,True,61.6,False,,500000.0,26254.13,22199.71,23958.08,5690.04,False,0,3.36,11.39
LI-2024-INS004-003103,2020-06-28,2,69,71,1951,male,never_smoker,24.0,63,135,KS,USA,widowed,graduate,white_collar,39103.89,0.8575,simplified_issue,135,79,207,49,4.22,99,,False,89.5,15.1,False,False,False,True,False,none,,none,none,bipolar,0,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,28,UW-421,2.5,term_life,500000,monthly,6643.54,20.0,none,,,,False,none,bank,False,False,False,0.026704,0.102181,SOA_2015_VBT,SOA_Scale_MP2023,2.715,cardiovascular,True,2020-12-06,True,False,1708794.02,0.0007,5e-05,1.095,0.040056,0.012,True,0.0,1.0,False,,,,0.07,0.071,False,normal_rate,3.41,2.23,False,False,False,False,False,0.778,20.0,18.0,standard_longevity,52.4,baseline,0.857,0.808,False,,False,,500000.0,47175.66,43645.87,47833.49,13685.69,False,0,3.69,-10.89
LI-2024-INS004-003104,2020-08-23,6,27,33,1993,male,never_smoker,29.3,66,181,WI,USA,married,high_school,white_collar,34024.25,0.6618,accelerated_UW,139,90,163,52,3.13,109,,False,100.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,standard,,,False,True,False,True,45,UW-457,1.0,whole_life,1000000,semi_annual,3163.3,,none,2359.68,,,True,none,captive_agent,False,False,False,0.001698,0.005872,SOA_2015_VBT,SOA_Scale_MP2023,1.011,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00415,1.0,False,,,,0.02,0.0234,False,normal_rate,1.92,0.94,False,False,False,False,False,0.818,68.4,55.0,super_preferred_longevity,100.0,baseline,1.004,0.46,False,,False,,997640.32,27520.37,21757.19,25306.4,6010.27,False,0,3.66,16.85
LI-2024-INS004-003105,2000-08-10,8,35,43,1965,female,never_smoker,23.5,67,150,TN,USA,widowed,bachelors,white_collar,68837.53,0.9219,simplified_issue,127,74,217,71,3.06,81,,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,29,UW-079,0.63,universal_life,2000000,monthly,4608.41,,10yr_declining,4052.94,,,True,excess_of_loss,worksite,False,False,False,0.002537,0.001177,SOA_2015_VBT,SOA_Scale_MP2023,0.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.026,False,normal_rate,4.05,2.41,False,False,False,False,False,0.896,60.6,52.6,super_preferred_longevity,100.0,baseline,0.809,1.0,False,,False,,1995947.06,38373.32,34557.63,36867.28,8755.98,False,0,0.81,24.67
LI-2024-INS004-003106,2020-10-11,4,49,53,1971,male,never_smoker,26.3,66,163,KY,USA,single,graduate,light_blue_collar,71662.55,0.5455,full_paramedical,145,93,192,23,8.35,84,5.3,False,91.1,1.83,False,False,False,False,False,none,,none,none,none,5,False,True,False,False,False,substandard_table_3,,3.0,False,False,False,False,30,UW-151,1.75,term_life,1000000,quarterly,7415.13,10.0,none,,,,True,quota_share,captive_agent,False,False,False,0.006813,0.019521,SOA_2015_VBT,SOA_Scale_MP2023,1.939,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00511,0.018,True,0.0,1.0,False,,,,0.07,0.0885,False,normal_rate,3.21,1.2,False,False,False,False,False,0.992,42.3,38.3,preferred_longevity,78.1,baseline,1.091,0.626,False,,False,,1000000.0,58991.42,51462.29,59321.04,14088.75,False,0,-1.23,-9.8
LI-2024-INS004-003107,2001-04-11,23,54,77,1947,female,never_smoker,18.2,68,119,NE,USA,married,bachelors,heavy_blue_collar,100768.35,0.4518,non_med_guaranteed,118,65,221,82,2.7,80,,False,48.2,,True,True,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,preferred,0.98,,False,False,False,False,13,UW-050,0.83,universal_life,500000,quarterly,2305.99,,15yr_declining,3641.7,,,False,none,captive_agent,False,False,False,0.036972,0.035503,SOA_2015_VBT,SOA_Scale_MP2023,0.827,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0535,False,normal_rate,2.96,2.41,False,False,False,False,False,0.855,36.5,13.5,standard_longevity,39.5,baseline,1.161,0.407,False,,False,,496358.3,11758.3,11134.17,12452.35,5580.49,False,0,3.0,24.73
LI-2024-INS004-003108,2022-11-13,3,39,42,1983,female,never_smoker,34.7,66,214,WI,USA,married,high_school,heavy_blue_collar,20000.0,0.5681,limited_exam,119,76,223,33,6.76,102,5.2,False,88.4,,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,1.39,5.0,False,False,False,False,21,UW-326,2.25,term_life,1000000,monthly,8165.8,30.0,none,,,,True,quota_share,bank,False,False,False,0.002366,0.010925,SOA_2015_VBT,SOA_Scale_MP2023,2.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.02,True,0.00198,1.0,True,2026-04-16,unknown,3.0,0.07,0.0872,False,normal_rate,5.74,1.03,False,False,False,False,False,0.982,58.3,55.0,super_preferred_longevity,100.0,baseline,1.074,0.383,False,,False,,1000000.0,64808.34,67776.37,65326.4,15515.02,False,0,0.73,-10.09
LI-2024-INS004-003109,2022-08-25,2,75,77,1947,female,never_smoker,23.5,58,112,MO,USA,single,some_college,professional,79056.71,0.4555,full_paramedical,141,86,232,65,3.57,100,5.0,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-123,2.0,universal_life,2000000,monthly,22869.52,,10yr_declining,15381.68,,,True,none,captive_agent,False,False,False,0.036972,0.134037,SOA_2015_VBT,SOA_Scale_MP2023,2.165,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036972,0.008,True,0.00435,1.0,True,2026-02-17,replacement,2.0,0.08,0.0481,False,normal_rate,2.56,2.21,False,False,False,False,False,0.849,15.5,13.5,standard_longevity,39.6,baseline,1.158,0.496,False,,False,,1984618.32,119260.82,124513.93,123495.41,55344.24,False,0,0.6,-8.2
LI-2024-INS004-003110,2016-10-21,9,79,88,1937,male,never_smoker,18.2,67,115,WV,USA,married,graduate,light_blue_collar,39367.33,0.5462,full_paramedical,152,86,197,61,3.23,80,5.0,False,51.7,11.91,True,False,True,True,False,none,,none,none,substance_use_disorder,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,27,UW-102,2.5,term_life,500000,annual,8277.46,15.0,none,,,,False,none,independent_broker,False,False,False,0.119354,0.535347,SOA_2015_VBT,SOA_Scale_MP2023,2.738,cardiovascular,True,2025-08-10,False,False,54200.51,0.0007,5e-05,1.095,0.179031,0.005,False,,1.0,False,,,,0.05,0.0632,False,normal_rate,6.78,0.96,False,False,False,False,False,0.881,9.1,1.1,sub_standard_longevity,32.3,baseline,1.09,0.407,True,57.2,False,,500000.0,3517.13,3622.79,3642.08,28242.69,False,0,3.22,-20.0
LI-2024-INS004-003111,2015-10-21,10,53,63,1962,male,never_smoker,27.9,75,223,NY,USA,married,bachelors,white_collar,83500.37,0.2572,full_paramedical,130,82,225,59,3.81,110,5.0,False,92.4,1.87,True,False,False,False,True,prostate,24.3,none,none,bipolar,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,39,UW-225,2.0,term_life,250000,semi_annual,2286.61,15.0,none,,,,False,none,captive_agent,False,False,False,0.015082,0.054707,SOA_2015_VBT,SOA_Scale_MP2023,2.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015082,0.015,False,,1.0,False,,,,0.05,0.0747,False,normal_rate,2.08,0.62,False,False,False,False,False,0.791,35.5,26.8,standard_longevity,56.6,baseline,1.307,0.297,True,49.2,False,,250000.0,18020.22,18063.44,18292.88,4344.56,False,0,1.34,-13.03
LI-2024-INS004-003112,2021-03-27,6,76,82,1945,female,never_smoker,20.4,67,130,ND,USA,married,high_school,hazardous,48259.63,0.8505,full_paramedical,129,94,219,66,3.32,64,,False,,,False,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,3.15,2.0,True,False,False,False,15,UW-101,1.5,term_life,500000,quarterly,5836.59,25.0,none,,,,False,none,captive_agent,False,False,False,0.056139,0.107864,SOA_2015_VBT,SOA_Scale_MP2023,1.622,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028069,0.008,True,0.00129,1.0,False,,,,0.05,0.051,False,normal_rate,5.46,1.64,False,False,False,False,False,0.883,15.8,9.8,standard_longevity,40.0,baseline,0.862,0.702,False,,False,,500000.0,21258.83,20119.53,22879.43,15852.18,False,0,3.21,9.55
LI-2024-INS004-003113,2017-08-11,10,77,87,1940,female,never_smoker,33.6,72,247,UT,USA,married,bachelors,light_blue_collar,63421.31,0.7802,full_paramedical,153,95,240,30,8.0,109,5.4,False,70.8,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-466,1.5,whole_life,500000,annual,4733.32,,none,4138.76,,,False,none,captive_agent,False,False,False,0.082634,0.169001,SOA_2015_VBT,SOA_Scale_MP2023,1.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041317,0.008,False,,1.0,False,,,,0.02,0.0215,False,normal_rate,3.96,2.97,False,False,False,False,False,0.892,13.8,3.8,sub_standard_longevity,29.9,baseline,0.915,0.85,False,,False,,495861.24,7816.34,7520.25,7194.65,15127.69,False,0,3.03,8.57
LI-2024-INS004-003114,2015-09-16,5,37,42,1978,male,never_smoker,31.4,64,182,SC,USA,married,high_school,white_collar,20000.0,0.6297,limited_exam,133,84,188,34,5.53,136,4.5,False,93.0,1.03,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-336,1.25,term_life,5000000,annual,23453.75,20.0,none,,,,True,facultative,bank,False,False,False,0.002957,0.004693,SOA_2015_VBT,SOA_Scale_MP2023,1.301,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000739,0.018,False,,1.0,True,2025-11-13,non_payment,5.0,0.07,0.0837,False,normal_rate,4.75,1.74,False,False,False,False,False,0.873,58.7,53.7,super_preferred_longevity,100.0,baseline,1.028,0.561,False,,False,,5000000.0,179767.48,159522.86,187630.0,44562.12,False,0,4.34,12.09
LI-2024-INS004-003115,2020-05-27,1,43,44,1977,male,never_smoker,25.5,75,203,MN,USA,married,high_school,white_collar,33435.15,0.1422,limited_exam,122,84,170,42,4.05,86,,False,86.6,1.78,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-376,0.81,whole_life,100000,annual,280.64,,none,170.44,,,False,none,captive_agent,False,False,False,0.003406,0.007153,SOA_2015_VBT,SOA_Scale_MP2023,0.835,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00319,1.0,False,,,,0.06,0.1332,False,normal_rate,4.47,2.4,False,False,False,False,False,0.936,47.6,46.6,super_preferred_longevity,84.5,baseline,1.393,0.044,False,,False,,99829.56,2301.04,2194.32,2245.12,533.22,False,0,3.74,19.38
LI-2024-INS004-003116,2002-02-19,3,61,64,1941,female,never_smoker,23.9,65,143,UT,USA,single,bachelors,heavy_blue_collar,63676.16,0.9453,full_paramedical,131,89,200,40,5.0,60,5.1,False,71.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,0.67,5.0,False,False,False,False,5,UW-432,2.25,indexed_ul,1000000,monthly,10759.66,,10yr_declining,7358.88,,,True,quota_share,employer_group,False,False,False,0.011349,0.035553,SOA_2015_VBT,SOA_Scale_MP2023,2.38,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014186,0.008,False,,1.0,False,,,,0.08,0.0408,False,normal_rate,2.72,2.33,False,False,False,False,False,0.762,30.6,25.9,preferred_longevity,65.5,baseline,0.791,0.998,True,11.9,False,,992641.12,90738.63,78823.44,86077.28,20443.35,False,0,-0.28,-13.46
LI-2024-INS004-003117,2012-08-26,11,68,79,1944,female,never_smoker,28.7,63,162,NC,USA,married,graduate,white_collar,63691.53,0.7741,simplified_issue,147,86,321,47,6.83,101,,False,78.2,,False,False,False,False,False,none,,none,none,depression,13,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-181,1.5,whole_life,1000000,annual,10039.72,,none,9951.9,,,True,coinsurance,captive_agent,False,False,False,0.042953,0.088534,SOA_2015_VBT,SOA_Scale_MP2023,1.698,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021477,0.008,False,,1.0,False,,,,0.015,0.0162,False,normal_rate,2.36,2.39,False,False,False,False,False,0.904,23.3,12.3,standard_longevity,42.6,baseline,0.919,0.541,False,,False,,990048.1,47711.42,44972.28,49395.42,25259.94,False,0,6.87,4.15
LI-2024-INS004-003118,2023-08-06,2,67,69,1956,male,never_smoker,17.5,67,111,VA,USA,single,high_school,white_collar,28825.53,0.4253,accelerated_UW,117,65,184,58,3.17,66,5.6,False,92.9,2.81,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,True,15,UW-061,0.79,group_life,250000,quarterly,1165.1,,none,,,,False,none,bank,True,False,False,0.023822,0.022479,SOA_2015_VBT,SOA_Scale_MP2023,0.799,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.15,0.204,False,normal_rate,4.46,2.77,False,False,False,False,False,0.765,21.1,19.1,standard_longevity,47.5,baseline,1.181,0.447,False,,False,,250000.0,9192.37,8818.23,8901.36,2297.58,False,0,0.54,29.22
LI-2024-INS004-003119,2021-11-20,1,67,68,1954,male,never_smoker,26.4,74,205,ME,USA,single,some_college,professional,93729.94,0.5873,full_paramedical,142,95,238,39,6.1,87,,True,55.7,7.52,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-329,2.0,term_life,1000000,quarterly,10503.04,15.0,none,,,,True,none,captive_agent,False,False,False,0.042625,0.138826,SOA_2015_VBT,SOA_Scale_MP2023,2.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042625,0.012,True,0.00583,1.0,False,,,,0.1,0.123,False,normal_rate,3.42,0.84,False,False,False,False,False,0.788,21.4,20.1,standard_longevity,51.5,baseline,1.06,0.495,True,28.1,False,,1000000.0,82718.85,86670.96,84024.32,19955.78,False,0,3.91,-9.76
LI-2024-INS004-003120,2018-04-06,1,31,32,1987,male,never_smoker,21.9,76,180,HI,USA,married,graduate,white_collar,20000.0,0.617,non_med_guaranteed,138,82,203,35,5.8,90,5.3,False,,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-256,1.25,universal_life,500000,annual,1621.11,,15yr_declining,1015.3,,,False,none,bank,False,False,False,0.001611,0.002739,SOA_2015_VBT,SOA_Scale_MP2023,1.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.02,False,,1.0,False,,,,0.12,0.0651,False,normal_rate,3.15,2.18,False,False,False,False,False,0.872,63.1,55.0,super_preferred_longevity,100.0,baseline,1.037,0.808,False,,False,,498984.7,14253.75,11452.77,12968.88,3080.11,False,0,0.78,11.24
LI-2024-INS004-003121,2011-01-21,10,24,34,1987,female,former_smoker,24.3,58,116,GA,USA,single,less_than_hs,light_blue_collar,106994.18,0.3128,non_med_guaranteed,144,83,134,66,2.03,73,,False,83.3,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-098,1.25,universal_life,1000000,semi_annual,3273.57,,15yr_declining,2865.41,,,True,none,captive_agent,False,False,False,0.001864,0.003945,SOA_2015_VBT,SOA_Scale_MP2023,1.475,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000466,0.02,False,,1.0,False,,,,0.06,0.0391,False,normal_rate,3.39,2.52,False,False,False,False,False,0.752,70.0,55.0,super_preferred_longevity,99.7,baseline,1.265,0.463,False,,False,,997134.59,27532.56,24602.92,26188.56,6219.78,False,0,0.38,16.39
LI-2024-INS004-003122,2009-05-03,9,73,82,1936,female,never_smoker,38.6,59,191,WY,USA,married,bachelors,heavy_blue_collar,101934.55,0.8321,limited_exam,133,86,254,49,5.18,110,5.2,False,60.5,,False,True,False,False,False,none,,none,none,none,5,False,True,False,False,False,substandard_table_2,0.8,2.0,False,False,False,False,5,UW-420,1.5,universal_life,100000,quarterly,909.34,,10yr_declining,781.84,,,False,none,direct_to_consumer,False,False,False,0.057003,0.104595,SOA_2015_VBT,SOA_Scale_MP2023,1.524,cardiovascular,True,2014-10-12,False,False,571495.11,0.0007,5e-05,1.095,0.028501,0.005,False,,1.0,False,,,,0.06,0.0391,False,normal_rate,3.16,2.02,False,False,False,False,False,0.861,17.1,8.1,standard_longevity,37.1,baseline,0.876,0.886,False,,False,,99218.16,3055.34,2873.56,2946.26,2593.44,False,0,-0.21,10.65
LI-2024-INS004-003123,2024-08-14,2,59,61,1965,male,never_smoker,30.2,75,241,WI,USA,married,some_college,professional,20000.0,0.5799,full_paramedical,125,66,215,37,5.81,133,5.0,False,76.4,4.74,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,48,UW-047,2.5,universal_life,250000,monthly,2918.15,,10yr_declining,1981.65,,,True,facultative,captive_agent,False,False,False,0.013294,0.058355,SOA_2015_VBT,SOA_Scale_MP2023,2.713,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019941,0.015,False,,1.0,False,,,,0.08,0.0445,False,normal_rate,5.09,1.23,False,False,False,False,False,0.955,31.3,29.3,preferred_longevity,65.1,baseline,1.065,0.63,False,,False,,248018.35,21034.48,21272.56,23345.2,5544.48,False,0,0.88,-20.0
LI-2024-INS004-003124,2005-10-24,17,24,41,1981,male,former_smoker,32.9,62,179,ND,USA,single,graduate,professional,20028.54,0.8188,full_paramedical,138,88,165,49,3.37,120,4.8,False,80.4,1.74,True,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-019,2.0,whole_life,100000,semi_annual,680.42,,none,798.13,,,False,none,direct_to_consumer,False,False,False,0.00359,0.010001,SOA_2015_VBT,SOA_Scale_MP2023,2.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00359,0.02,False,,1.0,False,,,,0.015,0.0219,False,normal_rate,3.08,0.97,False,False,False,False,False,0.78,70.0,53.0,super_preferred_longevity,100.0,baseline,0.886,0.653,False,,False,,99201.87,5053.3,4800.43,5443.36,1292.8,False,0,5.48,-4.22
LI-2024-INS004-003125,2015-10-11,7,56,63,1959,female,former_smoker,22.0,70,153,NH,USA,single,some_college,hazardous,51004.72,0.3245,full_paramedical,147,92,170,54,3.15,72,5.6,False,81.8,,False,True,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,2.6,2.0,True,False,False,False,29,UW-205,1.5,term_life,250000,annual,2043.97,25.0,none,,,,False,none,independent_broker,False,False,False,0.015266,0.03802,SOA_2015_VBT,SOA_Scale_MP2023,1.584,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007633,0.012,False,,1.0,False,,,,0.05,0.072,False,normal_rate,2.96,1.64,False,False,False,False,False,0.751,36.1,30.3,preferred_longevity,62.8,baseline,1.257,0.463,True,46.3,False,,250000.0,15397.46,15071.28,16351.76,3883.54,False,0,0.33,-1.07
LI-2024-INS004-003126,2007-07-25,19,47,66,1960,male,never_smoker,31.0,75,248,OK,USA,married,bachelors,hazardous,53116.38,0.3474,simplified_issue,150,103,193,63,3.06,100,,False,,4.93,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,3.99,4.0,True,False,False,False,28,UW-256,2.0,whole_life,250000,semi_annual,2605.65,,none,3479.34,,,True,quota_share,direct_to_consumer,False,False,False,0.018966,0.070164,SOA_2015_VBT,SOA_Scale_MP2023,2.178,cancer,True,2023-08-07,False,False,1251500.67,0.0007,5e-05,1.095,0.018966,0.015,False,,1.0,False,,,,0.015,0.0299,False,normal_rate,5.12,0.94,False,False,False,False,False,0.799,44.6,26.1,preferred_longevity,66.9,baseline,1.239,0.361,True,39.1,False,,246520.66,22631.71,18859.08,20845.2,4950.73,False,0,2.15,-7.68
LI-2024-INS004-003127,2005-09-26,6,65,71,1940,male,never_smoker,24.9,74,193,ME,USA,divorced,high_school,professional,27959.35,0.5093,non_med_guaranteed,135,87,170,72,2.36,100,5.1,False,84.5,6.81,False,False,True,False,True,colorectal,3.9,none,none,none,1,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,26,UW-115,2.0,annuity_immediate,100000,monthly,1101.82,,none,,,,False,none,employer_group,False,False,False,0.025869,0.08591,SOA_2015_VBT,SOA_Scale_MP2023,2.076,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025869,0.008,False,,1.0,False,,,,0.003,0.005,False,normal_rate,3.78,2.37,False,False,False,False,False,0.777,23.7,20.1,preferred_longevity,60.3,baseline,1.118,0.605,True,84.1,True,-0.555,100000.0,8430.45,7871.92,8814.56,2093.46,False,0,2.09,-3.53
LI-2024-INS004-003128,2003-07-13,4,42,46,1961,male,former_smoker,28.4,74,221,SC,USA,single,high_school,white_collar,93702.15,0.6238,limited_exam,127,82,239,56,4.27,65,5.2,False,,2.09,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,True,False,True,standard,,,False,True,False,False,39,UW-395,1.0,indexed_ul,1000000,annual,4009.61,,10yr_declining,3040.6,,,True,coinsurance,direct_to_consumer,False,False,False,0.004825,0.005294,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0605,False,normal_rate,2.83,0.68,False,False,False,False,False,0.885,47.8,43.8,super_preferred_longevity,87.6,baseline,1.032,0.57,False,,False,,996959.4,30550.59,32598.11,32076.88,7618.26,False,0,4.02,16.24
LI-2024-INS004-003129,2019-10-18,1,80,81,1939,male,former_smoker,33.4,64,194,HI,USA,single,bachelors,white_collar,188604.59,0.8681,full_paramedical,147,82,257,38,6.76,90,5.4,False,55.2,5.98,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-077,1.5,group_life,500000,semi_annual,5721.36,,none,,,,False,none,captive_agent,False,False,False,0.086256,0.153477,SOA_2015_VBT,SOA_Scale_MP2023,1.507,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.043128,0.005,False,,1.0,False,,,,0.18,0.181,False,normal_rate,4.39,0.71,False,False,False,False,False,0.8,6.7,5.7,sub_standard_longevity,34.1,baseline,0.849,0.631,False,,False,,500000.0,12523.19,13242.71,13044.7,17415.82,False,0,2.54,16.52
LI-2024-INS004-003130,2006-05-17,8,47,55,1959,female,never_smoker,33.5,72,246,MO,USA,divorced,high_school,white_collar,112931.52,0.3872,accelerated_UW,112,75,219,64,3.42,89,8.4,False,70.2,,False,False,False,False,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,51,UW-169,2.25,universal_life,500000,annual,4610.38,,15yr_declining,3760.07,,,True,none,captive_agent,False,False,False,0.005972,0.024757,SOA_2015_VBT,SOA_Scale_MP2023,2.394,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007465,0.012,False,,1.0,False,,,,0.06,0.0375,False,normal_rate,2.96,1.64,False,False,False,False,False,0.905,45.4,37.4,preferred_longevity,74.4,baseline,1.21,0.53,False,,False,,496239.93,37173.07,35278.71,36883.04,8759.72,False,0,-0.21,-8.29
LI-2024-INS004-003131,2007-11-12,16,21,37,1986,male,never_smoker,36.7,70,256,NC,USA,single,bachelors,white_collar,37464.47,0.7078,full_paramedical,124,81,200,37,5.41,105,5.6,False,,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-253,2.0,term_life,100000,quarterly,670.29,15.0,none,,,,False,none,captive_agent,False,False,False,0.002134,0.006713,SOA_2015_VBT,SOA_Scale_MP2023,2.214,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,False,,1.0,False,,,,0.03,0.034,False,normal_rate,3.07,1.55,False,False,False,False,False,0.868,70.0,62.2,super_preferred_longevity,100.0,baseline,0.969,0.768,True,77.4,False,,100000.0,5286.68,4766.85,5362.32,1273.55,False,0,-1.6,-3.4
LI-2024-INS004-003132,2003-01-25,8,29,37,1974,female,never_smoker,40.6,58,194,MD,USA,single,high_school,heavy_blue_collar,47797.35,0.5832,accelerated_UW,137,75,218,20,10.9,111,5.8,False,91.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,0.98,,False,True,False,True,28,UW-373,1.0,group_life,1000000,monthly,2961.66,,none,,,,True,none,captive_agent,False,False,False,0.001707,0.001968,SOA_2015_VBT,SOA_Scale_MP2023,1.085,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.12,0.148,False,normal_rate,1.74,2.76,False,False,False,False,False,0.764,66.9,55.0,super_preferred_longevity,100.0,baseline,1.063,0.655,False,,False,,1000000.0,23671.43,21651.45,23693.28,5627.15,False,0,1.57,15.16
LI-2024-INS004-003133,2004-07-15,12,52,64,1952,female,never_smoker,30.6,58,146,SC,USA,married,some_college,professional,202903.3,0.3471,full_paramedical,129,74,232,45,5.16,77,,False,65.6,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-460,2.25,term_life,100000,quarterly,1320.33,30.0,none,,,,False,none,independent_broker,True,False,False,0.011763,0.048069,SOA_2015_VBT,SOA_Scale_MP2023,2.288,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014704,0.012,False,,1.0,False,,,,0.03,0.0427,False,normal_rate,3.89,2.25,False,False,False,False,False,0.95,39.1,27.1,standard_longevity,58.4,baseline,1.24,0.477,False,,False,,100000.0,10545.35,9210.58,10562.64,2508.63,False,0,0.57,-8.96
LI-2024-INS004-003134,2002-12-04,15,22,37,1980,male,never_smoker,34.0,66,210,AK,USA,single,graduate,professional,77845.49,0.6742,full_paramedical,115,76,240,69,3.48,114,7.0,True,106.1,,True,False,False,False,False,none,,type_2,none,depression,0,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,35,UW-149,1.5,indexed_ul,1000000,quarterly,5024.04,,10yr_declining,5852.93,,,True,excess_of_loss,captive_agent,False,False,False,0.004268,0.009447,SOA_2015_VBT,SOA_Scale_MP2023,1.723,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,False,,1.0,False,,,,0.04,0.0464,False,normal_rate,3.73,1.97,False,False,False,False,False,0.823,70.0,55.0,super_preferred_longevity,100.0,baseline,0.994,0.671,False,,False,,994147.07,39776.85,41587.94,40192.32,9545.68,False,0,2.11,5.0
LI-2024-INS004-003135,2011-01-25,10,21,31,1990,male,never_smoker,33.3,65,200,NM,USA,married,graduate,professional,70650.72,0.4247,full_paramedical,110,67,207,54,3.83,93,5.1,False,113.0,,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,standard_plus,,,False,False,False,False,15,UW-183,0.99,whole_life,100000,monthly,272.62,,none,251.14,,,True,none,independent_broker,False,False,False,0.001532,0.001702,SOA_2015_VBT,SOA_Scale_MP2023,0.94,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.0272,False,normal_rate,3.21,2.88,False,False,False,False,False,0.864,70.0,55.0,super_preferred_longevity,100.0,baseline,1.181,0.606,False,,False,,99748.86,2200.14,2037.23,2180.96,517.98,False,0,6.1,17.53
LI-2024-INS004-003136,2007-12-05,14,76,90,1931,male,never_smoker,23.0,76,188,IN,USA,widowed,bachelors,heavy_blue_collar,44491.24,0.7353,simplified_issue,130,85,221,45,4.91,80,,False,,14.19,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,True,False,True,substandard_table_5,1.17,5.0,False,False,False,False,34,UW-020,2.25,annuity_deferred,500000,quarterly,8254.28,,none,8564.65,,,False,none,employer_group,False,False,False,0.136798,0.477611,SOA_2015_VBT,SOA_Scale_MP2023,2.363,cardiovascular,True,2013-03-03,False,False,1310476.67,0.0007,5e-05,1.095,0.170997,0.005,False,,1.0,False,,,,0.01,0.0133,False,normal_rate,5.52,1.01,True,False,False,False,False,0.964,12.0,1.0,standard_longevity,35.0,baseline,0.949,0.725,False,,False,,491435.35,3222.49,3163.82,3301.71,28229.64,False,0,-0.96,-14.06
LI-2024-INS004-003137,2008-07-28,12,59,71,1949,male,former_smoker,24.5,64,142,VA,USA,divorced,some_college,light_blue_collar,20000.0,0.395,full_paramedical,144,93,215,64,3.36,110,4.9,False,,3.58,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-340,1.5,universal_life,500000,quarterly,3879.55,,15yr_declining,3842.97,,,True,quota_share,independent_broker,False,False,False,0.03615,0.084828,SOA_2015_VBT,SOA_Scale_MP2023,1.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018075,0.008,False,,1.0,False,,,,0.04,0.0249,False,normal_rate,5.32,1.51,False,False,False,False,False,0.791,27.6,14.9,standard_longevity,40.8,baseline,1.204,0.588,True,16.9,False,,496157.03,22235.25,22564.94,23122.12,8954.0,False,0,1.72,12.16
LI-2024-INS004-003138,2008-01-16,4,51,55,1957,female,never_smoker,32.9,59,162,ID,USA,single,high_school,professional,88282.0,0.8262,accelerated_UW,119,72,255,38,6.71,93,5.7,False,,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,12,UW-151,1.5,universal_life,500000,monthly,3797.38,,10yr_declining,2577.22,,,False,none,direct_to_consumer,False,False,False,0.005829,0.010741,SOA_2015_VBT,SOA_Scale_MP2023,1.525,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002915,0.012,False,,1.0,False,,,,0.08,0.0524,False,normal_rate,4.36,2.19,False,False,False,False,False,0.957,42.8,38.8,super_preferred_longevity,83.1,baseline,0.88,0.659,False,,False,,497422.78,30479.8,25862.67,30379.04,7215.02,False,0,4.99,13.09
LI-2024-INS004-003139,2023-05-15,1,36,37,1987,male,current_smoker,24.1,62,131,TX,USA,single,some_college,white_collar,20000.0,0.8451,full_paramedical,114,61,198,74,2.68,80,,True,90.6,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,22,UW-471,2.5,whole_life,500000,annual,3523.28,,none,2339.48,,,False,none,independent_broker,True,False,False,0.004268,0.015686,SOA_2015_VBT,SOA_Scale_MP2023,2.511,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006403,0.02,False,,1.0,False,,,,0.06,0.0614,False,normal_rate,3.66,1.35,False,False,False,False,False,0.966,59.0,55.0,super_preferred_longevity,100.0,baseline,0.866,1.0,False,,False,,497660.52,26201.15,26782.29,28186.24,6694.23,False,0,-1.24,-20.0
LI-2024-INS004-003140,2023-05-01,2,53,55,1970,female,current_smoker,33.7,58,161,CO,USA,married,high_school,white_collar,49109.0,0.8366,full_paramedical,126,80,258,47,5.49,107,5.6,True,,,False,False,True,False,False,none,,none,mild_gold_1,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-382,2.0,term_life,500000,semi_annual,4585.23,25.0,none,,,,False,none,independent_broker,False,False,False,0.012841,0.035507,SOA_2015_VBT,SOA_Scale_MP2023,2.023,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012841,0.018,False,,1.0,True,2025-11-18,voluntary_surrender,2.0,0.07,0.0722,False,normal_rate,2.48,2.21,False,False,False,False,False,0.917,46.3,44.3,super_preferred_longevity,100.0,baseline,0.873,0.748,False,,False,,500000.0,38487.48,31430.64,36681.84,8711.94,False,0,-1.36,-8.02
LI-2024-INS004-003141,2021-01-09,1,68,69,1953,female,former_smoker,20.3,64,118,SC,USA,divorced,less_than_hs,white_collar,81185.74,0.3974,limited_exam,130,85,176,66,2.67,75,4.1,False,77.8,,False,True,False,False,True,breast,4.0,none,none,schizophrenia,5,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,17,UW-324,2.25,whole_life,1000000,monthly,12851.14,,none,8396.91,,,True,facultative,direct_to_consumer,False,False,False,0.023893,0.099548,SOA_2015_VBT,SOA_Scale_MP2023,2.34,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029866,0.012,True,0.00248,1.0,False,,,,0.06,0.1161,False,normal_rate,3.4,1.65,False,False,False,False,False,0.967,23.5,22.5,standard_longevity,52.2,baseline,1.202,0.418,False,,False,,991603.09,101599.67,105817.48,102809.12,24417.17,False,0,4.37,-16.06
LI-2024-INS004-003142,2000-06-07,17,54,71,1946,male,never_smoker,24.5,74,190,IN,USA,married,high_school,white_collar,86737.65,0.48,limited_exam,133,85,228,53,4.3,123,5.2,False,75.0,4.43,False,False,True,False,False,none,,none,none,anxiety,0,False,False,True,False,True,preferred,,,False,False,False,False,40,UW-069,0.78,indexed_ul,500000,semi_annual,2367.84,,10yr_declining,2819.05,,,False,none,captive_agent,False,False,False,0.027146,0.023767,SOA_2015_VBT,SOA_Scale_MP2023,0.768,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,True,2025-12-24,non_payment,17.0,0.04,0.0526,False,normal_rate,3.98,2.17,False,False,False,False,False,0.771,35.5,18.5,standard_longevity,57.5,baseline,1.14,0.51,False,,False,,497180.95,18403.21,17559.48,17522.02,4783.04,False,0,3.21,26.33
LI-2024-INS004-003143,2016-06-08,5,59,64,1957,male,former_smoker,42.3,73,320,LA,USA,married,less_than_hs,hazardous,35524.88,0.3768,limited_exam,110,69,176,42,4.19,95,5.6,False,,8.73,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_4,2.57,4.0,True,False,False,False,28,UW-208,2.0,universal_life,250000,monthly,2893.26,,10yr_declining,2216.1,,,False,none,captive_agent,False,False,False,0.020305,0.074117,SOA_2015_VBT,SOA_Scale_MP2023,2.177,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020305,0.012,False,,1.0,False,,,,0.08,0.0503,False,normal_rate,3.11,1.7,False,False,False,False,False,0.984,32.0,27.0,preferred_longevity,68.7,baseline,1.217,0.203,False,,False,,247783.9,25190.24,22300.63,23146.08,5497.19,False,0,-0.88,-8.91
LI-2024-INS004-003144,2012-02-12,9,41,50,1971,male,never_smoker,38.9,64,226,NC,USA,single,high_school,professional,34412.19,0.4335,simplified_issue,146,90,246,39,6.31,114,6.8,False,77.5,1.16,False,False,False,False,True,melanoma,7.9,type_2,none,none,1,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,45,UW-391,1.5,term_life,250000,quarterly,1363.07,20.0,none,,,,False,none,bank,False,False,False,0.005359,0.012616,SOA_2015_VBT,SOA_Scale_MP2023,1.578,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00268,0.018,False,,1.0,False,,,,0.05,0.0677,False,normal_rate,3.97,2.72,False,False,False,False,False,0.855,49.8,40.8,super_preferred_longevity,80.2,baseline,1.175,0.347,False,,False,,250000.0,11083.71,10725.64,10904.56,2589.83,False,0,2.98,1.1
LI-2024-INS004-003145,2006-09-10,13,37,50,1969,female,current_smoker,28.8,59,142,TX,USA,divorced,bachelors,white_collar,118842.82,0.2707,full_paramedical,123,68,235,26,9.04,108,5.2,True,89.9,,False,False,False,False,False,none,,none,none,none,14,True,False,False,False,False,substandard_table_5,4.36,5.0,True,False,False,False,23,UW-304,2.25,indexed_ul,1000000,monthly,8152.29,,10yr_declining,8678.08,,,True,excess_of_loss,bank,False,False,False,0.008575,0.038056,SOA_2015_VBT,SOA_Scale_MP2023,2.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010719,0.015,False,,1.0,False,,,,0.04,0.0593,False,normal_rate,4.5,2.91,False,False,False,False,False,0.994,56.6,43.6,super_preferred_longevity,82.0,baseline,1.297,0.194,False,,False,,991321.92,66605.38,59821.14,65218.32,15489.35,False,0,1.94,-12.06
LI-2024-INS004-003146,2016-11-08,9,43,52,1973,male,never_smoker,33.5,61,177,MS,USA,married,bachelors,white_collar,151048.45,0.3649,full_paramedical,122,73,224,53,4.23,110,5.5,False,,2.53,False,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-023,1.25,universal_life,100000,quarterly,540.61,,10yr_declining,496.55,,,False,none,captive_agent,False,False,False,0.006284,0.012938,SOA_2015_VBT,SOA_Scale_MP2023,1.475,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001571,0.018,False,,1.0,False,,,,0.06,0.038,False,normal_rate,3.86,0.57,False,False,False,False,False,0.807,50.8,41.8,super_preferred_longevity,90.7,baseline,1.226,0.25,False,,False,,99503.45,4356.82,3865.41,4324.88,1027.16,False,0,2.37,7.48
LI-2024-INS004-003147,2005-12-13,5,55,60,1950,female,current_smoker,27.1,63,153,HI,USA,single,some_college,heavy_blue_collar,20000.0,0.705,full_paramedical,118,73,217,70,3.1,124,,True,73.6,,False,False,False,False,True,breast,1.7,none,none,none,1,False,False,False,False,True,standard,0.57,,False,True,False,False,35,UW-201,1.0,term_life,500000,annual,2581.26,20.0,none,,,,False,none,independent_broker,False,False,False,0.016297,0.017095,SOA_2015_VBT,SOA_Scale_MP2023,1.08,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0795,False,normal_rate,3.61,1.02,False,False,False,False,False,0.843,37.3,32.0,preferred_longevity,71.1,baseline,0.971,0.567,True,30.0,False,,500000.0,18794.9,19818.33,20650.08,4904.39,False,0,2.28,16.7
LI-2024-INS004-003148,2004-08-15,20,59,79,1945,female,never_smoker,23.9,67,152,CO,USA,divorced,bachelors,heavy_blue_collar,20000.0,0.2724,full_paramedical,130,91,173,42,4.12,75,,False,75.9,,True,False,True,False,False,none,,none,none,anxiety,3,False,False,False,True,True,substandard_table_1,1.15,1.0,False,False,False,False,19,UW-063,1.25,term_life,500000,quarterly,4189.47,20.0,none,,,,False,none,bank,True,False,False,0.043299,0.081683,SOA_2015_VBT,SOA_Scale_MP2023,1.263,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010825,0.008,False,,1.0,False,,,,0.03,0.0445,False,normal_rate,3.99,2.23,False,False,False,False,False,0.821,33.5,14.7,standard_longevity,48.6,baseline,1.296,0.321,True,60.8,False,,500000.0,26740.01,21506.1,24634.08,9736.33,False,0,1.69,10.28
LI-2024-INS004-003149,2002-04-23,1,41,42,1961,female,never_smoker,30.1,60,154,DE,USA,married,high_school,light_blue_collar,266145.77,0.3839,full_paramedical,136,88,225,66,3.41,128,5.9,False,87.7,,True,False,False,False,True,other,3.3,pre_diabetes,none,none,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-494,2.5,annuity_deferred,1000000,annual,8730.45,,none,5628.38,,,True,quota_share,bank,False,False,False,0.002227,0.010495,SOA_2015_VBT,SOA_Scale_MP2023,2.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00334,0.015,False,,1.0,True,2026-01-26,voluntary_surrender,1.0,0.06,0.0836,False,normal_rate,1.79,1.15,False,False,False,True,False,0.757,51.9,50.9,super_preferred_longevity,94.6,baseline,1.212,0.323,False,,False,,994371.62,68881.02,69506.66,69843.6,16587.86,False,0,-1.38,-20.0
LI-2024-INS004-003150,2015-09-12,2,61,63,1954,female,never_smoker,37.7,64,219,ND,USA,single,high_school,professional,122838.12,0.3293,limited_exam,158,91,222,57,3.89,126,4.5,False,66.4,,False,False,True,True,False,none,,none,none,depression,7,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,27,UW-470,2.5,group_life,500000,annual,6557.81,,none,,,,False,none,bank,False,False,False,0.011055,0.052059,SOA_2015_VBT,SOA_Scale_MP2023,2.561,cancer,True,2015-11-07,True,False,730150.25,0.0007,5e-05,1.095,0.016583,0.012,False,,1.0,True,2025-11-11,replacement,2.0,0.15,0.2155,False,normal_rate,5.69,1.52,False,False,False,False,False,0.972,33.4,31.4,preferred_longevity,74.5,baseline,1.253,0.412,False,,False,,500000.0,54299.65,53754.18,52462.48,12459.84,False,0,-0.86,-19.31
LI-2024-INS004-003151,2006-03-11,4,33,37,1973,male,never_smoker,16.2,61,90,FL,USA,married,bachelors,professional,30208.58,0.7793,limited_exam,128,76,206,66,3.12,61,4.5,False,,,False,False,True,False,False,none,,none,none,anxiety,7,False,False,False,True,True,preferred,,,False,False,False,False,51,UW-312,0.8,term_life,500000,quarterly,1115.46,20.0,none,,,,False,none,employer_group,True,False,False,0.002134,0.001553,SOA_2015_VBT,SOA_Scale_MP2023,0.795,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0904,False,normal_rate,3.95,2.69,False,False,False,False,False,0.862,62.5,55.0,super_preferred_longevity,100.0,baseline,0.916,0.897,False,,False,,500000.0,9725.85,8214.98,8923.68,2119.37,False,0,2.85,25.79
LI-2024-INS004-003152,2000-09-14,2,24,26,1976,male,never_smoker,34.3,67,218,WY,USA,married,some_college,heavy_blue_collar,22806.17,0.3883,limited_exam,127,68,221,37,5.97,86,5.5,False,91.8,,False,False,False,False,False,none,,none,none,none,4,False,False,False,True,True,substandard_table_1,0.58,1.0,False,False,False,False,37,UW-280,1.25,whole_life,100000,quarterly,234.84,,none,163.2,,,False,none,bank,False,False,False,0.001229,0.002211,SOA_2015_VBT,SOA_Scale_MP2023,1.282,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000307,0.018,False,,1.0,False,,,,0.04,0.0556,False,normal_rate,3.78,2.95,False,False,False,False,False,0.981,67.4,55.0,super_preferred_longevity,100.0,baseline,1.209,0.409,False,,False,,99836.8,1825.07,1946.98,1878.72,446.2,False,0,-2.33,7.18
LI-2024-INS004-003153,2024-07-08,1,75,76,1949,female,former_smoker,30.1,61,159,KS,USA,married,bachelors,white_collar,174037.54,0.7465,full_paramedical,131,78,171,53,3.23,89,5.1,False,,,False,False,False,True,False,none,,none,none,schizophrenia,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,31,UW-333,2.5,whole_life,1000000,quarterly,14642.28,,none,9609.87,,,True,excess_of_loss,captive_agent,False,False,False,0.044762,0.181775,SOA_2015_VBT,SOA_Scale_MP2023,2.724,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.067144,0.008,False,,1.0,True,2025-07-09,voluntary_surrender,1.0,0.06,0.0662,False,normal_rate,2.6,2.57,False,False,True,False,False,0.886,17.0,16.0,standard_longevity,47.7,baseline,0.94,0.783,False,,False,,990390.13,84555.4,83819.05,93710.59,32505.86,False,0,1.08,-16.39
LI-2024-INS004-003154,2019-11-25,2,74,76,1945,male,former_smoker,26.7,61,141,NJ,USA,married,high_school,white_collar,35317.52,0.7175,limited_exam,143,87,213,45,4.73,106,4.5,False,96.3,19.77,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,standard,,,False,True,False,False,7,UW-418,1.0,whole_life,2000000,quarterly,11713.5,,none,7348.21,,,True,coinsurance,bank,False,False,False,0.054184,0.053786,SOA_2015_VBT,SOA_Scale_MP2023,1.032,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.045,False,normal_rate,3.56,2.97,False,False,False,False,False,0.774,13.3,11.3,standard_longevity,40.2,baseline,0.962,0.835,False,,False,,1992651.79,53744.22,45143.67,52945.02,30408.25,False,0,2.65,23.13
LI-2024-INS004-003155,2005-02-13,21,51,72,1954,male,never_smoker,21.1,62,115,IL,USA,single,less_than_hs,white_collar,254090.18,0.7998,accelerated_UW,126,70,196,64,3.06,60,4.9,True,106.1,3.92,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,15,UW-344,2.25,group_life,250000,annual,3043.63,,none,,,,False,none,bank,False,False,False,0.060434,0.210074,SOA_2015_VBT,SOA_Scale_MP2023,2.473,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.075543,0.012,False,,1.0,False,,,,0.1,0.106,False,normal_rate,3.54,2.83,False,False,False,False,False,0.88,38.3,17.3,standard_longevity,50.4,baseline,0.9,0.616,False,,False,,250000.0,19813.1,18848.01,21061.92,6440.32,False,0,-2.65,-10.97
LI-2024-INS004-003156,2017-07-16,7,27,34,1990,male,never_smoker,25.6,71,183,WV,USA,single,high_school,light_blue_collar,120522.37,0.6809,simplified_issue,114,75,241,59,4.08,90,,False,105.7,,False,True,False,False,True,prostate,0.5,none,none,substance_use_disorder,5,False,False,False,False,True,standard,,,False,True,False,False,50,UW-037,1.0,whole_life,250000,semi_annual,808.95,,none,686.18,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.001792,0.001807,SOA_2015_VBT,SOA_Scale_MP2023,1.019,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.0323,False,normal_rate,3.58,2.97,False,False,False,False,False,0.802,68.0,55.0,super_preferred_longevity,100.0,baseline,0.989,0.697,False,,False,,249313.82,6422.84,5729.81,6471.6,1537.01,False,0,5.57,12.93
LI-2024-INS004-003157,2022-10-25,1,27,28,1995,male,never_smoker,21.9,64,127,NM,USA,divorced,some_college,professional,29423.58,0.3238,simplified_issue,107,63,168,37,4.54,95,5.1,False,96.5,,False,False,False,False,False,none,,none,none,none,14,False,False,False,False,False,preferred_plus,,,False,False,False,False,25,UW-431,0.57,term_life,1000000,quarterly,1453.68,30.0,none,,,,True,facultative,employer_group,False,False,False,0.001334,0.005916,SOA_2015_VBT,SOA_Scale_MP2023,0.68,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00478,1.0,False,,,,0.1,0.1729,False,normal_rate,5.61,0.6,False,False,False,False,False,0.818,67.3,55.7,super_preferred_longevity,100.0,baseline,1.257,0.294,True,37.8,False,,1000000.0,10609.77,11822.14,11629.44,2761.99,False,0,3.02,24.19
LI-2024-INS004-003158,2013-07-16,1,69,70,1944,female,never_smoker,29.7,62,162,MI,USA,married,less_than_hs,heavy_blue_collar,217643.79,0.4117,full_paramedical,156,104,243,55,4.42,88,4.6,False,83.0,,False,True,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_4,0.77,4.0,False,False,False,False,13,UW-052,2.0,term_life,1000000,monthly,10412.09,30.0,none,,,,True,quota_share,captive_agent,True,False,False,0.019583,0.067056,SOA_2015_VBT,SOA_Scale_MP2023,2.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019583,0.008,False,,1.0,True,2026-04-04,non_payment,1.0,0.1,0.1371,False,normal_rate,2.56,1.75,False,False,False,False,False,0.779,23.9,26.6,preferred_longevity,68.6,baseline,1.191,0.367,True,80.0,False,,1000000.0,84829.19,75915.14,83296.72,19782.97,False,0,-0.45,-12.79
LI-2024-INS004-003159,2016-06-12,9,58,67,1958,male,former_smoker,28.0,76,230,AL,USA,widowed,some_college,hazardous,61293.26,0.7266,full_paramedical,124,83,209,55,3.8,81,,False,,6.18,False,True,False,False,True,leukemia,9.6,none,none,none,20,False,False,False,False,True,substandard_table_8,4.68,8.0,True,False,False,False,35,UW-042,3.0,term_life,2000000,monthly,31497.45,25.0,none,,,,True,none,worksite,False,False,False,0.026654,0.134128,SOA_2015_VBT,SOA_Scale_MP2023,3.175,cardiovascular,True,2021-11-25,False,False,1542447.74,0.0007,5e-05,1.095,0.053307,0.012,False,,1.0,False,,,,0.05,0.0559,False,normal_rate,2.16,1.54,False,False,False,False,False,0.821,31.6,23.4,standard_longevity,58.5,baseline,0.955,0.636,True,44.3,False,,2000000.0,251646.43,234847.9,251979.6,59845.15,False,0,2.7,-20.0
LI-2024-INS004-003160,2007-04-25,16,18,34,1989,male,former_smoker,28.9,62,158,NJ,USA,single,some_college,white_collar,284481.64,0.6212,non_med_guaranteed,142,91,222,56,3.96,90,5.5,False,,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-397,1.25,term_life,500000,annual,1780.8,30.0,none,,,,False,none,independent_broker,False,False,False,0.00233,0.004137,SOA_2015_VBT,SOA_Scale_MP2023,1.475,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000583,0.02,False,,1.0,False,,,,0.03,0.0361,False,normal_rate,2.78,2.41,False,False,False,False,False,0.819,70.0,54.0,super_preferred_longevity,100.0,baseline,1.034,0.6,False,,False,,500000.0,14681.91,14449.17,14246.4,3383.52,False,0,1.79,7.61
LI-2024-INS004-003161,2010-09-24,1,66,67,1944,male,never_smoker,32.8,65,197,NE,USA,married,graduate,heavy_blue_collar,26007.4,0.7612,full_paramedical,145,93,162,51,3.18,98,5.9,False,53.1,2.7,False,False,True,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,0.52,6.0,False,False,False,False,30,UW-095,2.5,whole_life,5000000,monthly,68051.32,,none,45996.33,18306.54,0.398,True,coinsurance,employer_group,False,False,False,0.018848,0.073241,SOA_2015_VBT,SOA_Scale_MP2023,2.568,cancer,True,2011-01-10,True,True,1226812.73,0.0007,5e-05,1.095,0.028272,0.008,False,,1.0,False,,,,0.06,0.0471,False,normal_rate,4.12,0.67,False,False,False,False,False,0.919,24.3,23.3,preferred_longevity,68.9,baseline,0.929,0.972,False,,False,,4954003.67,573089.49,472306.18,544410.56,129297.51,False,0,-0.14,-20.0
LI-2024-INS004-003162,2024-09-03,2,26,28,1998,male,never_smoker,17.6,69,119,OH,USA,single,bachelors,white_collar,76996.83,0.6992,full_paramedical,109,65,116,65,1.78,93,,False,90.2,,True,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,6,UW-088,1.0,term_life,100000,semi_annual,247.32,20.0,none,,,,False,none,independent_broker,False,False,False,0.001334,0.001362,SOA_2015_VBT,SOA_Scale_MP2023,1.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0798,False,normal_rate,4.45,2.58,False,False,False,False,False,0.758,70.0,55.0,super_preferred_longevity,100.0,baseline,0.976,0.638,False,,False,,100000.0,1812.67,1736.65,1978.56,469.91,False,0,1.85,20.48
LI-2024-INS004-003163,2011-11-26,9,45,54,1966,male,former_smoker,24.9,68,163,PA,USA,married,some_college,light_blue_collar,20000.0,0.7651,full_paramedical,109,63,248,70,3.54,104,5.2,False,79.2,1.43,False,False,True,False,False,none,,none,none,none,0,False,False,True,False,True,preferred,,,False,False,False,False,35,UW-393,0.76,term_life,500000,monthly,1590.35,15.0,none,,,,False,none,independent_broker,True,False,False,0.00961,0.006889,SOA_2015_VBT,SOA_Scale_MP2023,0.774,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0544,False,normal_rate,3.58,0.56,False,False,False,False,False,0.777,49.2,40.2,super_preferred_longevity,94.3,baseline,0.926,0.568,False,,False,,500000.0,13146.62,11417.0,12722.8,3021.66,False,0,7.97,23.09
LI-2024-INS004-003164,2015-01-04,12,31,43,1984,male,current_smoker,22.4,74,174,AZ,USA,married,some_college,white_collar,85255.21,0.5618,full_paramedical,100,60,189,63,3.0,106,5.2,True,50.2,0.89,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,27,UW-057,1.0,universal_life,500000,quarterly,1958.46,,15yr_declining,1844.11,,,False,none,bank,False,False,False,0.006342,0.00708,SOA_2015_VBT,SOA_Scale_MP2023,1.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0225,False,normal_rate,2.06,1.65,False,False,False,False,False,0.923,62.4,55.4,super_preferred_longevity,100.0,baseline,1.079,0.731,True,63.3,False,,498155.89,15483.48,14799.57,15667.68,3721.07,False,0,6.63,20.97
LI-2024-INS004-003165,2009-04-25,17,35,52,1974,female,never_smoker,17.4,71,124,KS,USA,widowed,graduate,light_blue_collar,88710.88,0.764,non_med_guaranteed,121,72,228,69,3.3,77,5.0,False,97.3,,False,False,False,False,False,none,,none,none,anxiety,15,False,False,False,False,False,preferred_plus,,,False,False,False,False,30,UW-206,0.58,indexed_ul,1000000,quarterly,2551.38,,15yr_declining,3131.07,,,True,none,bank,False,False,False,0.005027,0.002838,SOA_2015_VBT,SOA_Scale_MP2023,0.609,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0436,False,normal_rate,2.98,1.29,False,False,False,False,False,0.959,61.6,44.6,super_preferred_longevity,90.9,baseline,0.927,0.9,False,,False,,996868.93,22360.88,20170.43,20411.04,4847.62,False,0,4.72,22.08
LI-2024-INS004-003166,2024-09-17,1,23,24,2001,female,never_smoker,26.0,65,156,RI,USA,single,bachelors,light_blue_collar,92874.84,0.4821,limited_exam,127,72,209,55,3.8,93,4.9,False,108.3,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-287,1.25,universal_life,1000000,semi_annual,2278.53,,15yr_declining,1525.05,,,True,excess_of_loss,captive_agent,False,False,False,0.000913,0.001746,SOA_2015_VBT,SOA_Scale_MP2023,1.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000228,0.012,False,,1.0,False,,,,0.12,0.071,False,normal_rate,2.52,0.63,False,False,False,False,False,0.828,70.0,55.0,super_preferred_longevity,100.0,baseline,1.138,0.365,False,,False,,998474.95,17956.28,18170.73,18228.24,4329.21,False,0,4.49,11.14
LI-2024-INS004-003167,2011-08-21,1,31,32,1980,male,current_smoker,20.4,71,146,GA,USA,divorced,some_college,white_collar,34952.86,0.9288,simplified_issue,139,72,149,59,2.53,78,,True,,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,4,UW-099,1.75,whole_life,1000000,quarterly,4232.71,,none,2488.27,,,True,coinsurance,independent_broker,False,False,False,0.003222,0.007553,SOA_2015_VBT,SOA_Scale_MP2023,1.984,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002417,0.02,False,,1.0,False,,,,0.06,0.0574,False,normal_rate,2.76,1.57,False,False,False,False,False,0.869,63.3,55.0,super_preferred_longevity,100.0,baseline,0.803,0.736,False,,False,,997511.73,34095.29,33298.08,33861.68,8042.15,False,0,-0.6,-0.51
LI-2024-INS004-003168,2000-08-15,5,18,23,1982,female,never_smoker,32.1,71,230,NV,USA,married,bachelors,white_collar,20000.0,0.4761,full_paramedical,111,65,229,57,4.02,94,5.0,False,93.3,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-392,2.0,universal_life,1000000,monthly,3608.91,,10yr_declining,2654.89,,,True,coinsurance,direct_to_consumer,False,False,False,0.000882,0.003029,SOA_2015_VBT,SOA_Scale_MP2023,2.13,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000882,0.02,False,,1.0,False,,,,0.08,0.0665,False,normal_rate,2.48,2.89,False,False,False,False,False,0.847,70.0,55.0,super_preferred_longevity,100.0,baseline,1.143,0.482,False,,False,,997345.11,28132.83,24999.13,28871.28,6856.93,False,0,1.68,-8.94
LI-2024-INS004-003169,2022-04-06,3,75,78,1947,male,former_smoker,32.7,68,214,CT,USA,married,high_school,white_collar,67419.13,0.5602,limited_exam,151,92,219,47,4.66,105,5.2,False,80.7,7.89,False,True,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-048,1.5,group_life,1000000,annual,11193.37,,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.065546,0.151899,SOA_2015_VBT,SOA_Scale_MP2023,1.565,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032773,0.008,True,0.00835,1.0,False,,,,0.15,0.2629,False,normal_rate,2.89,2.98,False,False,False,False,False,0.982,14.9,11.9,standard_longevity,48.8,baseline,1.08,0.569,False,,False,,1000000.0,50436.75,54326.06,53280.44,28520.71,False,0,1.3,3.81
LI-2024-INS004-003170,2000-09-28,4,43,47,1957,female,never_smoker,21.8,62,119,SC,USA,married,high_school,heavy_blue_collar,20000.0,0.4063,non_med_guaranteed,149,94,156,59,2.64,105,5.7,False,,,True,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,0.96,5.0,False,False,False,False,11,UW-220,2.25,universal_life,500000,monthly,4482.74,,10yr_declining,3141.24,,,False,none,bank,False,False,False,0.003088,0.012838,SOA_2015_VBT,SOA_Scale_MP2023,2.433,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003859,0.012,False,,1.0,False,,,,0.08,0.0495,False,normal_rate,4.23,2.73,False,False,False,False,False,0.957,49.1,45.1,super_preferred_longevity,86.2,baseline,1.195,0.299,False,,False,,496858.76,33096.59,37461.91,35861.92,8517.21,False,0,0.84,-9.35
LI-2024-INS004-003171,2005-09-03,22,77,99,1928,female,never_smoker,35.2,59,174,IN,USA,married,some_college,white_collar,20000.0,0.7632,full_paramedical,145,84,197,36,5.47,92,5.1,False,69.1,,False,False,False,True,False,none,,none,none,bipolar,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,25,UW-146,2.5,annuity_deferred,2000000,monthly,38203.12,,none,55881.09,,,True,excess_of_loss,independent_broker,False,False,False,0.168624,0.652266,SOA_2015_VBT,SOA_Scale_MP2023,2.553,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.252937,0.012,False,,1.0,False,,,,0.01,0.0109,False,normal_rate,4.34,1.97,False,False,False,False,False,0.841,12.2,1.0,sub_standard_longevity,25.4,baseline,0.928,0.704,False,,False,,1944118.91,14031.84,15221.31,15281.25,130654.67,False,0,2.07,-12.88
LI-2024-INS004-003172,2000-12-01,20,56,76,1944,female,never_smoker,33.6,63,189,VA,USA,married,some_college,professional,52622.85,0.6468,limited_exam,141,81,200,38,5.26,101,5.5,False,,,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-493,1.25,universal_life,500000,monthly,3562.63,,10yr_declining,4851.2,,,False,none,independent_broker,False,False,False,0.033077,0.055334,SOA_2015_VBT,SOA_Scale_MP2023,1.402,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008269,0.008,False,,1.0,False,,,,0.04,0.0473,False,normal_rate,3.56,1.33,False,False,False,False,False,0.88,34.8,14.8,standard_longevity,44.4,baseline,1.015,0.649,False,,False,,495148.8,20463.63,18763.21,21090.77,8251.05,False,0,2.51,17.18
LI-2024-INS004-003173,2005-08-16,21,40,61,1965,female,never_smoker,26.9,60,137,AL,USA,single,graduate,light_blue_collar,20781.27,0.7379,simplified_issue,125,83,222,39,5.69,107,,False,63.8,,True,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-435,1.25,term_life,250000,monthly,1472.76,25.0,none,,,,False,none,independent_broker,False,False,False,0.010635,0.017759,SOA_2015_VBT,SOA_Scale_MP2023,1.5,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002659,0.015,False,,1.0,False,,,,0.03,0.0333,False,normal_rate,4.04,2.79,False,False,False,False,False,0.907,54.9,34.3,preferred_longevity,75.0,baseline,0.947,0.765,True,37.2,False,,250000.0,11223.49,10329.83,11782.08,2798.24,False,0,2.3,20.9
LI-2024-INS004-003174,2003-04-17,5,25,30,1978,male,never_smoker,33.5,69,226,CO,USA,divorced,some_college,professional,74092.04,0.5373,non_med_guaranteed,123,81,237,51,4.65,114,5.2,False,89.9,,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-460,2.25,term_life,500000,monthly,2516.24,20.0,none,,,,False,none,bank,False,False,False,0.00146,0.005589,SOA_2015_VBT,SOA_Scale_MP2023,2.35,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.018,False,,1.0,False,,,,0.07,0.0889,False,normal_rate,3.9,2.67,False,False,False,False,False,0.914,67.3,60.1,super_preferred_longevity,100.0,baseline,1.097,0.416,True,61.4,False,,500000.0,21909.08,18600.78,20129.92,4780.86,False,0,7.54,-11.38
LI-2024-INS004-003175,2001-12-05,8,55,63,1946,male,never_smoker,36.4,65,218,RI,USA,married,some_college,light_blue_collar,32083.37,0.11,limited_exam,141,82,234,42,5.57,122,5.5,False,92.8,3.14,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-446,1.25,term_life,500000,semi_annual,2878.64,30.0,none,,,,True,coinsurance,worksite,False,False,False,0.013548,0.031637,SOA_2015_VBT,SOA_Scale_MP2023,1.471,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003387,0.008,False,,1.0,False,,,,0.05,0.0806,False,normal_rate,5.01,2.57,False,False,False,False,False,0.798,30.0,22.0,standard_longevity,47.1,baseline,1.417,0.123,False,,False,,500000.0,23596.85,21972.04,23029.12,5469.42,False,0,4.12,19.63
LI-2024-INS004-003176,2021-01-16,2,33,35,1988,male,never_smoker,34.4,68,226,NE,USA,married,bachelors,light_blue_collar,49943.03,0.6331,full_paramedical,134,72,153,48,3.19,87,4.5,False,82.1,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-195,1.25,group_life,1000000,monthly,3415.07,,none,,,,True,facultative,independent_broker,False,False,False,0.001896,0.008472,SOA_2015_VBT,SOA_Scale_MP2023,1.318,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.02,True,0.00544,1.0,False,,,,0.15,0.179,False,normal_rate,2.57,2.28,False,False,False,False,False,0.834,61.3,53.2,super_preferred_longevity,100.0,baseline,1.025,0.701,False,,True,-1.212,1000000.0,28952.51,24412.08,27320.56,6488.63,False,0,3.34,10.74
LI-2024-INS004-003177,2016-04-01,7,25,32,1991,male,never_smoker,24.0,76,197,OK,USA,divorced,some_college,heavy_blue_collar,41342.81,0.7148,full_paramedical,99,68,201,53,3.79,82,,False,89.1,,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,0.87,4.0,False,False,False,False,22,UW-316,2.0,indexed_ul,500000,quarterly,2576.75,,10yr_declining,2015.99,,,False,none,captive_agent,False,False,False,0.001611,0.004949,SOA_2015_VBT,SOA_Scale_MP2023,2.149,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001611,0.022,False,,1.0,False,,,,0.06,0.0305,False,normal_rate,4.84,2.15,False,False,False,False,False,0.874,70.0,57.7,super_preferred_longevity,100.0,baseline,0.964,0.679,True,49.2,False,,497984.01,21324.93,21303.88,20614.0,4895.82,False,0,4.27,-5.5
LI-2024-INS004-003178,2018-04-10,1,76,77,1942,female,unknown,19.3,71,138,ME,USA,married,some_college,professional,20000.0,0.7556,full_paramedical,137,85,186,69,2.7,62,,False,59.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,3,UW-005,1.0,indexed_ul,500000,annual,3107.49,,15yr_declining,1971.82,,,False,none,captive_agent,False,False,False,0.040844,0.039072,SOA_2015_VBT,SOA_Scale_MP2023,1.025,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.11,0.0542,False,normal_rate,3.16,0.56,False,False,False,False,False,0.987,15.0,14.0,standard_longevity,44.8,baseline,0.933,0.701,False,,False,,498028.18,17163.65,16041.07,17401.94,7395.83,False,0,3.17,33.06
LI-2024-INS004-003179,2016-08-28,5,32,37,1984,male,current_smoker,34.5,73,261,OK,USA,single,bachelors,professional,86534.96,0.6573,full_paramedical,121,78,213,38,5.61,98,5.4,True,78.8,,False,False,False,False,True,prostate,0.8,none,none,substance_use_disorder,8,False,False,False,False,True,standard,,,False,True,False,False,38,UW-234,1.0,term_life,500000,annual,1649.76,30.0,none,,,,False,none,captive_agent,True,False,False,0.004268,0.004423,SOA_2015_VBT,SOA_Scale_MP2023,1.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0822,False,normal_rate,2.23,1.4,False,False,False,False,False,0.874,61.8,55.0,super_preferred_longevity,100.0,baseline,1.007,0.529,False,,False,,500000.0,14478.57,11351.03,13198.08,3134.54,False,0,3.0,17.81
LI-2024-INS004-003180,2005-07-17,9,36,45,1969,male,former_smoker,21.4,68,140,KY,USA,divorced,high_school,hazardous,59837.35,0.5172,full_paramedical,124,64,205,35,5.86,97,5.4,False,75.5,2.02,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,True,False,True,substandard_table_5,3.53,5.0,True,False,False,False,24,UW-320,2.25,universal_life,500000,annual,3730.44,,10yr_declining,3262.38,,,False,none,captive_agent,False,False,False,0.004761,0.018309,SOA_2015_VBT,SOA_Scale_MP2023,2.334,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005951,0.015,False,,1.0,False,,,,0.06,0.0347,False,normal_rate,2.26,1.69,False,False,False,False,False,0.905,54.6,45.6,super_preferred_longevity,88.7,baseline,1.112,0.534,False,,False,,496737.62,29205.84,28541.89,29843.52,7087.84,False,0,0.35,-14.46
LI-2024-INS004-003181,2021-09-16,4,45,49,1976,female,never_smoker,21.8,64,126,OH,USA,married,high_school,white_collar,20000.0,0.2884,simplified_issue,128,63,181,44,4.11,96,,False,92.2,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,preferred,,,False,False,False,False,29,UW-123,0.76,universal_life,250000,quarterly,737.65,,15yr_declining,545.22,,,False,none,bank,False,False,False,0.003965,0.010444,SOA_2015_VBT,SOA_Scale_MP2023,0.826,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00624,1.0,False,,,,0.08,0.3702,False,normal_rate,3.72,1.01,False,False,False,True,False,0.977,50.0,46.0,super_preferred_longevity,85.8,baseline,1.284,0.359,False,,False,,249454.78,6099.58,6066.08,5901.2,1401.54,False,0,6.01,34.61
LI-2024-INS004-003182,2017-11-26,7,56,63,1961,male,former_smoker,18.5,74,144,FL,USA,divorced,high_school,heavy_blue_collar,20000.0,0.7618,full_paramedical,139,85,263,57,4.61,91,,False,,2.58,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,1.27,1.0,False,False,False,False,13,UW-028,1.25,term_life,2000000,semi_annual,14197.85,15.0,none,,,,True,none,direct_to_consumer,False,False,False,0.019313,0.031425,SOA_2015_VBT,SOA_Scale_MP2023,1.483,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004828,0.015,False,,1.0,False,,,,0.05,0.0763,False,normal_rate,3.85,2.84,False,False,False,False,False,0.833,34.4,27.4,preferred_longevity,65.0,baseline,0.929,0.693,False,,False,,2000000.0,112455.63,110599.46,113582.8,26975.91,False,0,0.53,12.31
LI-2024-INS004-003183,2015-12-11,11,79,90,1936,male,former_smoker,31.7,68,208,CT,USA,married,some_college,light_blue_collar,175262.6,0.6527,full_paramedical,144,89,154,30,5.13,84,,False,,5.4,False,True,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-087,2.25,term_life,250000,monthly,4224.34,15.0,none,,,,False,none,captive_agent,False,False,False,0.182351,0.684536,SOA_2015_VBT,SOA_Scale_MP2023,2.478,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.227938,0.005,False,,1.0,False,,,,0.03,0.0353,False,normal_rate,3.85,1.75,False,False,False,False,False,0.894,6.4,1.0,sub_standard_longevity,23.8,baseline,1.01,0.604,False,,False,,250000.0,1812.99,1586.89,1689.74,14447.24,False,0,-1.87,-14.97
LI-2024-INS004-003184,2006-02-10,6,76,82,1930,male,current_smoker,31.5,62,172,VA,USA,divorced,high_school,light_blue_collar,205935.56,0.9013,simplified_issue,160,101,239,50,4.78,71,4.7,True,,5.82,False,False,False,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,41,UW-133,3.0,term_life,500000,monthly,11413.06,15.0,none,,,,False,none,captive_agent,False,False,False,0.138285,0.654771,SOA_2015_VBT,SOA_Scale_MP2023,3.319,cancer,True,2007-05-01,True,False,823372.61,0.0007,5e-05,1.095,0.27657,0.005,False,,1.0,False,,,,0.05,0.0489,False,normal_rate,4.48,2.74,False,False,False,False,False,0.97,9.5,3.8,sub_standard_longevity,31.7,baseline,0.824,0.93,True,59.7,False,,500000.0,18681.42,15873.65,17347.85,36476.14,False,0,2.42,-20.0
LI-2024-INS004-003185,2011-12-16,5,64,69,1947,male,current_smoker,19.3,75,154,VT,USA,single,bachelors,white_collar,111939.1,0.5402,limited_exam,125,88,225,51,4.41,96,,True,81.5,5.22,False,False,False,False,True,colorectal,6.2,none,very_severe_gold_4,none,0,False,False,False,False,True,declined,,,False,False,True,False,38,UW-328,7.0,annuity_deferred,250000,monthly,9579.53,,none,6790.9,,,False,none,independent_broker,False,False,False,0.045962,0.587713,SOA_2015_VBT,SOA_Scale_MP2023,6.199,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.275771,0.008,False,,1.0,False,,,,0.04,0.0507,False,normal_rate,4.06,2.38,False,False,False,False,False,0.915,22.9,22.4,standard_longevity,54.2,baseline,1.095,0.549,True,100.0,False,,243209.1,69945.39,70501.43,76636.24,18201.11,False,0,-5.0,-20.0
LI-2024-INS004-003186,2023-05-19,2,26,28,1997,female,never_smoker,28.3,63,159,KY,USA,single,graduate,professional,161096.11,0.7647,full_paramedical,105,75,189,57,3.32,98,5.1,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,4,UW-144,0.66,term_life,500000,quarterly,743.55,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.001067,0.000643,SOA_2015_VBT,SOA_Scale_MP2023,0.65,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0762,False,normal_rate,4.97,2.41,False,False,False,False,False,0.896,70.0,55.0,super_preferred_longevity,100.0,baseline,0.926,0.679,False,,False,,500000.0,5600.93,5575.21,5948.4,1412.74,False,0,2.8,26.77
LI-2024-INS004-003187,2023-11-23,1,29,30,1994,male,never_smoker,32.5,71,233,OR,USA,divorced,some_college,white_collar,228420.45,0.7059,non_med_guaranteed,129,78,204,39,5.23,90,4.6,False,108.7,,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,18,UW-161,1.0,term_life,250000,monthly,697.69,15.0,none,,,,True,none,independent_broker,False,False,False,0.00146,0.001532,SOA_2015_VBT,SOA_Scale_MP2023,1.081,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.1,0.1135,False,normal_rate,0.78,2.18,False,False,False,False,False,0.937,66.7,55.0,super_preferred_longevity,100.0,baseline,0.971,0.569,False,,False,,250000.0,5031.0,5795.92,5581.52,1325.61,False,0,3.62,18.38
LI-2024-INS004-003188,2024-01-04,3,46,49,1978,female,former_smoker,28.7,72,211,OK,USA,married,bachelors,professional,98391.9,0.5945,full_paramedical,129,81,211,56,3.77,87,,False,,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,14,UW-428,0.84,universal_life,500000,annual,1538.1,,10yr_declining,1074.38,,,False,none,independent_broker,False,False,False,0.005154,0.004189,SOA_2015_VBT,SOA_Scale_MP2023,0.771,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0441,False,normal_rate,1.91,0.98,False,False,False,False,False,0.979,50.5,47.5,super_preferred_longevity,92.7,baseline,1.054,0.711,False,,False,,498925.62,12858.19,11316.9,12304.8,2922.39,False,0,3.6,20.07
LI-2024-INS004-003189,2007-02-19,5,76,81,1931,female,never_smoker,26.5,58,126,NH,USA,married,some_college,white_collar,89496.3,0.7212,full_paramedical,132,71,227,44,5.16,100,,False,70.5,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-178,2.0,whole_life,500000,monthly,7530.67,,none,5278.91,,,False,none,bank,False,False,False,0.050994,0.157223,SOA_2015_VBT,SOA_Scale_MP2023,2.172,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050994,0.005,False,,1.0,False,,,,0.04,0.0449,False,normal_rate,3.05,1.31,False,False,False,False,False,0.938,12.9,7.9,standard_longevity,35.2,baseline,0.959,0.582,False,,False,,494721.09,25122.89,21728.01,23796.92,21597.96,False,0,1.02,-7.32
LI-2024-INS004-003190,2008-08-25,10,29,39,1979,male,current_smoker,30.9,66,191,ME,USA,single,less_than_hs,professional,20000.0,0.385,full_paramedical,125,74,196,56,3.5,98,,True,106.6,,False,False,True,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,standard,,,False,True,False,False,10,UW-134,1.0,indexed_ul,1000000,semi_annual,2810.1,,15yr_declining,2473.59,,,True,quota_share,employer_group,False,False,False,0.004839,0.006306,SOA_2015_VBT,SOA_Scale_MP2023,1.076,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0451,False,normal_rate,1.53,0.64,False,False,False,False,False,0.806,65.8,54.1,super_preferred_longevity,100.0,baseline,1.211,0.244,True,28.1,False,,997526.41,20460.96,22337.31,22480.8,5339.19,False,0,2.14,16.09
LI-2024-INS004-003191,2022-05-26,5,28,33,1994,female,never_smoker,31.6,69,214,AK,USA,married,high_school,professional,87458.85,0.7601,full_paramedical,119,72,215,36,5.97,90,4.9,False,105.3,,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,61,UW-061,2.25,whole_life,1000000,monthly,6038.34,,none,4445.46,,,True,none,captive_agent,False,False,False,0.001358,0.006798,SOA_2015_VBT,SOA_Scale_MP2023,2.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001698,0.022,True,0.00218,1.0,False,,,,0.04,0.0437,False,normal_rate,5.37,2.8,False,False,False,False,False,0.907,70.0,55.0,super_preferred_longevity,100.0,baseline,0.93,0.771,False,,False,,995554.54,50282.84,43288.35,48306.72,11472.85,False,0,-1.88,-14.05
LI-2024-INS004-003192,2007-12-22,19,31,50,1976,female,never_smoker,34.4,66,213,AZ,USA,married,less_than_hs,white_collar,68892.26,0.5695,limited_exam,124,69,186,41,4.54,120,5.7,False,88.1,,False,False,False,False,False,none,,pre_diabetes,none,none,4,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,50,UW-023,1.25,term_life,2000000,semi_annual,9629.56,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.004288,0.00685,SOA_2015_VBT,SOA_Scale_MP2023,1.256,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001072,0.018,False,,1.0,False,,,,0.03,0.0373,False,normal_rate,4.85,0.64,False,False,False,False,False,0.776,65.1,47.5,super_preferred_longevity,92.3,baseline,1.073,0.574,True,43.0,False,,2000000.0,71910.3,68441.24,77036.48,18296.16,False,0,4.06,13.18
LI-2024-INS004-003193,2002-12-08,1,23,24,1979,female,never_smoker,16.5,72,121,GA,USA,single,some_college,professional,41671.97,0.6808,non_med_guaranteed,106,65,151,62,2.44,82,5.0,False,93.0,,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,27,UW-264,2.0,whole_life,2000000,annual,8194.1,,none,5453.12,,,True,quota_share,independent_broker,False,False,False,0.000913,0.002799,SOA_2015_VBT,SOA_Scale_MP2023,2.089,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000913,0.018,False,,1.0,False,,,,0.06,0.0693,False,normal_rate,2.01,1.6,False,False,False,False,False,0.965,70.0,55.0,super_preferred_longevity,100.0,baseline,0.989,0.691,False,,False,,1994546.88,66556.5,65012.19,65552.8,15568.79,False,0,3.39,-4.24
LI-2024-INS004-003194,2005-11-07,12,31,43,1974,female,never_smoker,35.0,65,210,NE,USA,single,less_than_hs,light_blue_collar,60588.39,0.4033,limited_exam,131,74,219,49,4.47,99,5.7,False,,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-386,1.25,term_life,1000000,quarterly,4425.64,30.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.002537,0.004611,SOA_2015_VBT,SOA_Scale_MP2023,1.309,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000634,0.018,False,,1.0,False,,,,0.03,0.0578,False,normal_rate,2.22,2.97,False,False,False,False,False,0.951,64.2,52.2,super_preferred_longevity,96.8,baseline,1.198,0.382,False,,False,,1000000.0,35999.25,36410.99,35405.12,8408.72,False,0,5.61,13.41
LI-2024-INS004-003195,2013-02-25,11,43,54,1970,male,unknown,23.8,68,156,FL,USA,married,bachelors,heavy_blue_collar,20000.0,0.451,full_paramedical,138,80,213,56,3.8,100,,False,74.1,1.36,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,1.48,4.0,False,False,False,False,24,UW-486,2.0,universal_life,500000,monthly,4419.32,,15yr_declining,4130.17,,,False,none,independent_broker,False,False,False,0.008501,0.029191,SOA_2015_VBT,SOA_Scale_MP2023,2.095,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008501,0.018,False,,1.0,False,,,,0.04,0.0241,False,normal_rate,3.94,1.1,False,False,False,False,False,0.949,47.7,40.2,preferred_longevity,79.6,baseline,1.162,0.341,True,62.0,False,,495869.83,34633.54,35663.1,35354.56,8396.71,False,0,2.54,-6.1
LI-2024-INS004-003196,2014-04-17,8,38,46,1976,male,unknown,30.6,68,201,MD,USA,divorced,bachelors,hazardous,47313.84,0.8199,full_paramedical,138,91,209,41,5.1,115,5.1,False,,1.15,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,3.45,1.0,True,False,False,False,28,UW-273,1.25,universal_life,500000,annual,2171.03,,15yr_declining,1730.69,,,False,none,independent_broker,True,False,False,0.004535,0.007118,SOA_2015_VBT,SOA_Scale_MP2023,1.491,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001134,0.018,False,,1.0,False,,,,0.06,0.0282,False,normal_rate,3.59,2.62,False,False,False,False,False,0.919,55.1,47.1,super_preferred_longevity,95.4,baseline,0.885,0.714,False,,False,,498269.31,15815.9,15895.82,17368.24,4124.96,False,0,4.3,17.35
LI-2024-INS004-003197,2002-05-09,12,46,58,1956,male,never_smoker,23.6,76,194,NH,USA,single,graduate,white_collar,183807.67,0.686,full_paramedical,125,68,185,61,3.03,66,5.1,False,66.3,4.8,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-486,2.25,indexed_ul,100000,quarterly,978.35,,10yr_declining,927.69,,,True,quota_share,captive_agent,False,False,False,0.009246,0.032331,SOA_2015_VBT,SOA_Scale_MP2023,2.28,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011557,0.012,False,,1.0,True,2025-08-25,replacement,12.0,0.04,0.046,False,normal_rate,3.91,0.65,False,False,False,False,False,0.793,43.1,31.1,preferred_longevity,69.4,baseline,0.985,0.581,False,,False,,99072.31,8166.6,7085.21,7826.8,1858.86,False,0,-2.97,-17.55
LI-2024-INS004-003198,2006-02-17,11,45,56,1961,female,former_smoker,28.0,61,148,UT,USA,married,some_college,light_blue_collar,34671.87,0.2723,accelerated_UW,124,79,214,49,4.37,108,5.3,False,,,False,True,True,True,False,none,,none,none,depression,4,False,False,True,True,True,substandard_table_6,,6.0,False,False,False,True,64,UW-175,2.5,whole_life,500000,semi_annual,6089.78,,none,5911.37,,,False,none,independent_broker,False,False,False,0.008535,0.040608,SOA_2015_VBT,SOA_Scale_MP2023,2.514,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012803,0.015,False,,1.0,False,,,,0.015,0.0222,False,normal_rate,3.49,2.87,False,False,False,False,False,0.833,50.4,42.6,super_preferred_longevity,90.5,baseline,1.296,0.171,True,58.5,False,,494088.63,44021.92,42344.52,48718.24,11570.58,False,0,-1.74,-20.0
LI-2024-INS004-003199,2005-05-09,14,26,40,1979,male,never_smoker,18.2,70,126,NC,USA,single,graduate,professional,71650.13,0.8404,full_paramedical,109,65,222,34,6.53,98,5.6,False,,1.28,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,6,UW-219,1.5,group_life,100000,semi_annual,564.71,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.002583,0.005116,SOA_2015_VBT,SOA_Scale_MP2023,1.703,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001291,0.018,False,,1.0,False,,,,0.1,0.1028,False,normal_rate,5.45,1.64,False,False,False,False,False,0.857,67.7,59.2,super_preferred_longevity,100.0,baseline,0.87,0.73,True,64.5,False,,100000.0,4469.91,4208.14,4517.68,1072.95,False,0,3.27,9.02
LI-2024-INS004-003200,2006-11-03,12,27,39,1979,female,former_smoker,24.9,66,154,ME,USA,single,high_school,light_blue_collar,60244.4,0.5049,full_paramedical,126,77,213,43,4.95,88,5.0,False,100.8,,False,False,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-253,1.25,whole_life,1000000,monthly,4358.12,,none,4101.69,,,True,excess_of_loss,independent_broker,True,False,False,0.002516,0.004334,SOA_2015_VBT,SOA_Scale_MP2023,1.313,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000629,0.018,False,,1.0,False,,,,0.015,0.0194,False,normal_rate,4.25,2.27,False,True,False,False,True,0.92,70.0,55.0,super_preferred_longevity,100.0,baseline,1.121,0.486,False,,False,,995898.31,32312.09,33837.63,34864.96,8280.43,False,0,5.24,13.86
LI-2024-INS004-003201,2008-03-12,18,68,86,1940,male,never_smoker,22.4,75,179,CO,USA,single,high_school,white_collar,24181.08,0.9159,full_paramedical,161,108,248,65,3.82,79,,True,,5.26,False,False,False,True,True,leukemia,15.7,none,none,schizophrenia,0,False,False,False,False,True,declined,,,False,False,True,False,32,UW-008,7.0,term_life,500000,annual,24073.17,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.189834,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.844,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.008,False,,1.0,False,,,,0.03,0.0406,False,normal_rate,3.0,0.54,False,False,False,False,False,0.805,19.3,1.3,sub_standard_longevity,28.2,baseline,0.813,0.829,True,32.5,False,,500000.0,12731.96,13080.8,12518.05,81752.49,False,0,-5.0,-20.0
LI-2024-INS004-003202,2022-06-14,1,39,40,1983,female,former_smoker,30.3,71,217,IL,USA,married,some_college,professional,227073.79,0.5895,simplified_issue,129,76,227,54,4.2,108,5.8,False,69.2,,False,False,True,False,False,none,,none,none,bipolar,10,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,22,UW-002,2.0,indexed_ul,250000,annual,1786.78,,10yr_declining,1158.12,,,False,none,bank,False,False,False,0.002686,0.013419,SOA_2015_VBT,SOA_Scale_MP2023,2.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002686,0.02,True,0.00492,1.0,True,2025-10-01,non_payment,1.0,0.11,0.0608,False,normal_rate,2.5,1.36,False,False,False,False,False,0.752,61.4,55.0,super_preferred_longevity,100.0,baseline,1.058,0.655,False,,False,,248841.88,13401.19,12389.41,14294.24,3394.88,False,0,1.49,-2.64
LI-2024-INS004-003203,2004-05-21,6,73,79,1931,male,never_smoker,28.4,67,181,UT,USA,divorced,high_school,light_blue_collar,20000.0,0.6828,limited_exam,144,91,268,74,3.62,112,5.7,False,65.1,5.63,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,68,UW-145,1.25,term_life,250000,annual,2148.51,30.0,none,,,,False,none,independent_broker,False,False,False,0.053597,0.090016,SOA_2015_VBT,SOA_Scale_MP2023,1.447,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013399,0.005,False,,1.0,False,,,,0.05,0.0577,False,normal_rate,3.94,0.8,False,False,False,False,False,0.843,11.8,5.8,sub_standard_longevity,31.4,baseline,0.988,0.747,False,,False,,250000.0,5215.26,4989.71,4984.54,6522.88,False,0,2.27,10.25
LI-2024-INS004-003204,2013-02-24,8,35,43,1978,female,never_smoker,32.9,60,168,SC,USA,married,graduate,professional,62344.36,0.668,full_paramedical,126,72,197,44,4.48,106,4.9,False,,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-363,2.0,universal_life,1000000,semi_annual,7943.55,,10yr_declining,6618.36,,,True,none,independent_broker,False,False,False,0.002537,0.008148,SOA_2015_VBT,SOA_Scale_MP2023,2.214,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002537,0.018,False,,1.0,False,,,,0.06,0.0315,False,normal_rate,4.28,2.57,False,False,False,False,False,0.863,61.8,53.2,super_preferred_longevity,100.0,baseline,0.999,0.806,True,29.7,False,,993381.64,57778.42,61244.96,63548.4,15092.74,False,0,1.93,-6.75
LI-2024-INS004-003205,2017-01-01,6,29,35,1988,female,never_smoker,28.6,64,166,VA,USA,married,bachelors,white_collar,177570.16,0.77,limited_exam,110,55,167,56,2.98,96,5.2,False,82.3,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-381,2.0,term_life,5000000,semi_annual,31602.78,15.0,none,,,,True,none,employer_group,True,False,False,0.001517,0.00434,SOA_2015_VBT,SOA_Scale_MP2023,2.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001517,0.02,False,,1.0,False,,,,0.05,0.065,False,normal_rate,5.01,1.52,False,False,False,False,False,0.799,69.9,55.0,super_preferred_longevity,100.0,baseline,0.922,0.794,False,,False,,5000000.0,256104.69,253767.98,252822.24,60045.28,False,0,-0.85,-14.99
LI-2024-INS004-003206,2005-11-15,19,43,62,1962,male,never_smoker,31.5,61,166,WA,USA,married,graduate,heavy_blue_collar,70493.65,0.4488,limited_exam,131,85,269,49,5.49,88,,False,73.9,1.89,False,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,substandard_table_1,1.32,1.0,False,False,False,False,30,UW-119,1.25,term_life,500000,semi_annual,3385.97,15.0,none,,,,False,none,captive_agent,False,False,False,0.01384,0.02552,SOA_2015_VBT,SOA_Scale_MP2023,1.37,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00346,0.015,False,,1.0,False,,,,0.03,0.0402,False,normal_rate,0.81,1.94,False,False,False,False,False,0.799,46.3,27.3,preferred_longevity,60.2,baseline,1.163,0.502,False,,False,,500000.0,25000.86,23053.36,27087.76,6433.34,False,0,4.85,9.29
LI-2024-INS004-003207,2010-11-15,5,51,56,1959,male,unknown,27.5,69,186,VT,USA,married,graduate,professional,20000.0,0.8513,full_paramedical,119,80,217,31,7.0,87,5.4,False,,1.51,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-333,2.0,whole_life,1000000,quarterly,9515.18,,none,7171.55,,,True,none,independent_broker,True,False,False,0.009326,0.026061,SOA_2015_VBT,SOA_Scale_MP2023,2.083,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009326,0.012,False,,1.0,False,,,,0.04,0.1305,False,normal_rate,2.88,2.83,False,False,False,True,False,0.831,39.2,39.1,super_preferred_longevity,83.9,baseline,0.862,0.882,True,75.0,False,,992828.45,74998.13,66320.34,76121.44,18078.84,False,0,2.15,-5.6
LI-2024-INS004-003208,2004-09-26,22,67,89,1937,female,never_smoker,30.4,65,182,ME,USA,married,some_college,light_blue_collar,57354.26,0.9532,full_paramedical,135,79,217,45,4.82,98,4.9,False,71.7,,False,False,False,False,False,none,,none,none,none,12,False,False,False,False,False,standard_plus,,,False,False,False,False,27,UW-270,0.94,term_life,500000,annual,3989.39,15.0,none,,,,False,none,captive_agent,False,False,False,0.103802,0.073509,SOA_2015_VBT,SOA_Scale_MP2023,0.902,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0281,False,normal_rate,4.38,2.04,False,False,False,False,False,0.998,23.8,1.8,sub_standard_longevity,29.5,baseline,0.785,0.855,False,,False,,500000.0,2678.38,2719.48,2872.36,13388.39,False,0,2.67,27.5
LI-2024-INS004-003209,2016-01-11,9,73,82,1943,male,never_smoker,33.7,76,276,ND,USA,married,bachelors,heavy_blue_collar,44106.07,0.5635,full_paramedical,138,86,262,61,4.3,105,5.3,False,,7.3,True,True,False,False,False,none,,none,none,anxiety,3,False,False,False,True,True,substandard_table_1,0.52,1.0,False,False,False,False,39,UW-037,1.25,universal_life,5000000,semi_annual,42425.29,,15yr_declining,35833.88,,,True,excess_of_loss,independent_broker,False,False,False,0.069055,0.123504,SOA_2015_VBT,SOA_Scale_MP2023,1.428,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017264,0.008,False,,1.0,False,,,,0.06,0.0337,False,normal_rate,4.19,2.58,False,False,False,False,False,0.962,13.3,4.3,sub_standard_longevity,27.4,baseline,1.077,0.524,False,,False,,4964166.12,66487.81,65294.87,72971.5,133894.22,False,0,5.11,11.05
LI-2024-INS004-003210,2013-05-06,10,35,45,1978,female,current_smoker,21.1,69,142,IL,USA,divorced,high_school,hazardous,20000.0,0.4297,full_paramedical,122,79,206,55,3.75,103,,True,96.6,,True,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,3.07,2.0,True,False,False,False,29,UW-223,1.5,term_life,500000,quarterly,3062.12,10.0,none,,,,False,none,bank,False,False,False,0.00586,0.014827,SOA_2015_VBT,SOA_Scale_MP2023,1.724,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00293,0.018,False,,1.0,False,,,,0.05,0.0678,False,normal_rate,3.17,1.05,False,False,False,False,False,0.791,60.9,50.9,super_preferred_longevity,95.3,baseline,1.178,0.516,False,,False,,500000.0,23270.08,20975.15,24496.96,5818.03,False,0,4.72,9.52
LI-2024-INS004-003211,2001-12-24,20,27,47,1974,male,current_smoker,31.1,76,255,MO,USA,married,high_school,professional,138816.37,0.552,non_med_guaranteed,141,90,111,47,2.36,89,,True,,2.18,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,14,UW-484,1.75,term_life,100000,monthly,670.21,20.0,none,,,,False,none,bank,False,False,False,0.008502,0.024103,SOA_2015_VBT,SOA_Scale_MP2023,1.92,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006376,0.018,False,,1.0,False,,,,0.03,0.0378,False,normal_rate,4.26,2.89,False,False,False,False,False,0.91,64.7,49.7,super_preferred_longevity,95.3,baseline,1.086,0.349,True,66.9,False,,100000.0,4973.73,5524.54,5361.68,1273.4,False,0,-0.48,1.45
LI-2024-INS004-003212,2007-02-15,20,79,99,1928,female,current_smoker,31.5,72,232,ME,USA,married,high_school,light_blue_collar,65786.61,0.4053,accelerated_UW,135,85,254,53,4.79,94,4.9,True,70.7,,False,True,False,True,False,none,,none,severe_gold_3,depression,19,False,False,False,False,True,substandard_table_9,,9.0,False,False,False,True,30,UW-123,3.25,universal_life,1000000,monthly,23825.5,,10yr_declining,31826.09,,,True,facultative,direct_to_consumer,True,False,False,0.337249,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,3.749,cancer,True,2025-04-25,False,False,527440.6,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.04,0.077,False,normal_rate,4.16,1.69,False,False,False,False,False,0.938,8.8,1.0,sub_standard_longevity,20.1,baseline,1.196,0.241,True,40.9,False,,968173.91,8934.11,9238.52,9530.2,81483.21,False,0,-1.95,-20.0
LI-2024-INS004-003213,2016-02-06,11,57,68,1959,male,never_smoker,18.0,67,114,AZ,USA,married,graduate,professional,253184.55,0.3951,full_paramedical,136,85,273,74,3.69,92,,False,79.5,3.82,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,True,False,False,False,standard,,,False,True,False,False,10,UW-356,1.0,term_life,100000,monthly,621.03,30.0,none,,,,False,none,captive_agent,False,False,False,0.022639,0.027604,SOA_2015_VBT,SOA_Scale_MP2023,1.013,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0415,False,normal_rate,3.94,2.91,False,False,False,False,False,0.856,31.4,20.4,standard_longevity,49.0,baseline,1.204,0.337,False,,False,,100000.0,4977.07,4587.42,4968.24,1179.96,False,0,-1.12,15.68
LI-2024-INS004-003214,2001-05-13,6,29,35,1972,male,never_smoker,26.9,69,182,IA,USA,single,less_than_hs,professional,93773.76,0.7023,non_med_guaranteed,125,71,168,56,3.0,102,,False,98.6,,False,False,False,False,False,none,,none,none,none,7,False,False,False,True,True,standard,,,False,False,False,False,45,UW-435,1.07,term_life,500000,monthly,1518.46,30.0,none,,,,False,none,captive_agent,False,False,False,0.001896,0.002058,SOA_2015_VBT,SOA_Scale_MP2023,1.043,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000133,0.018,False,,1.0,False,,,,0.05,0.0569,False,normal_rate,1.6,1.92,False,False,False,False,False,0.759,63.0,53.1,super_preferred_longevity,100.0,baseline,0.973,0.747,True,21.6,False,,500000.0,11337.49,11112.23,12147.68,2885.07,False,0,2.44,15.62
LI-2024-INS004-003215,2011-08-07,3,44,47,1967,male,never_smoker,29.0,62,158,AL,USA,divorced,graduate,light_blue_collar,60604.24,0.6313,full_paramedical,128,85,219,67,3.27,99,5.3,False,,4.59,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-062,1.25,universal_life,250000,quarterly,1348.36,,15yr_declining,981.65,,,False,none,direct_to_consumer,False,False,False,0.004251,0.006923,SOA_2015_VBT,SOA_Scale_MP2023,1.343,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001063,0.015,False,,1.0,False,,,,0.08,0.0602,False,normal_rate,3.94,2.2,False,False,False,False,False,0.751,46.8,44.7,super_preferred_longevity,89.0,baseline,1.027,0.625,True,40.4,False,,249018.35,11578.41,9678.14,10786.88,2561.88,False,0,0.89,12.87
LI-2024-INS004-003216,2017-03-07,8,77,85,1940,male,never_smoker,24.4,70,169,NM,USA,widowed,high_school,white_collar,20000.0,0.4025,full_paramedical,138,92,246,61,4.03,95,,False,61.6,10.35,False,True,False,False,True,prostate,3.9,none,none,depression,3,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,44,UW-127,2.0,term_life,500000,annual,6837.97,30.0,none,,,,False,none,worksite,False,False,False,0.087182,0.305703,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.087182,0.008,False,,1.0,True,2025-05-22,non_payment,8.0,0.05,0.0689,False,normal_rate,5.04,0.62,False,False,False,False,False,0.79,8.2,1.0,sub_standard_longevity,20.0,baseline,1.198,0.555,False,,False,,500000.0,2797.53,2475.64,2735.19,23385.86,False,0,-0.9,-7.61
LI-2024-INS004-003217,2004-12-25,21,48,69,1956,female,never_smoker,31.3,62,171,MS,USA,single,less_than_hs,professional,143956.95,0.208,full_paramedical,133,77,175,51,3.43,122,5.1,False,55.6,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-281,0.84,whole_life,250000,annual,1212.72,,none,1710.63,,,False,none,employer_group,False,False,False,0.019057,0.020849,SOA_2015_VBT,SOA_Scale_MP2023,0.814,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.015,0.0276,False,normal_rate,3.04,2.31,False,False,False,False,False,0.989,43.2,23.8,standard_longevity,51.3,baseline,1.344,0.268,True,56.1,False,,248289.37,9474.5,9080.65,9701.76,2304.17,False,0,2.65,16.14
LI-2024-INS004-003218,2008-06-19,3,25,28,1983,male,former_smoker,18.6,63,104,IN,USA,divorced,bachelors,light_blue_collar,25081.89,0.8966,simplified_issue,100,68,190,42,4.52,73,5.5,False,94.0,,False,False,False,False,False,none,,none,none,none,1,False,True,False,False,False,preferred,,,False,False,False,False,14,UW-395,0.76,whole_life,500000,monthly,880.3,,none,571.81,,,False,none,bank,False,False,False,0.001734,0.001213,SOA_2015_VBT,SOA_Scale_MP2023,0.845,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0393,False,normal_rate,1.94,2.97,False,False,False,False,False,0.801,69.6,55.0,super_preferred_longevity,100.0,baseline,0.828,1.0,False,,False,,499428.19,7124.52,5988.02,7042.4,1672.57,False,0,4.68,30.23
LI-2024-INS004-003219,2006-03-11,5,62,67,1944,female,current_smoker,31.2,63,175,IN,USA,married,less_than_hs,light_blue_collar,66286.14,0.6487,limited_exam,127,74,210,41,5.12,116,4.6,True,83.0,,False,False,False,False,True,lung,6.9,none,mild_gold_1,bipolar,2,False,False,False,False,True,declined,,,False,False,True,False,29,UW-399,7.0,whole_life,500000,annual,18159.52,,none,13260.97,,,False,none,employer_group,False,False,False,0.030156,0.412786,SOA_2015_VBT,SOA_Scale_MP2023,7.586,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.180938,0.008,False,,1.0,False,,,,0.04,0.0567,False,normal_rate,5.16,0.67,False,False,False,False,False,0.796,28.8,23.8,standard_longevity,57.9,baseline,1.013,0.764,False,,False,,486739.03,135338.46,148916.49,145276.16,34503.09,False,0,-5.0,-20.0
LI-2024-INS004-003220,2019-11-18,4,31,35,1988,female,current_smoker,23.5,66,145,OR,USA,divorced,high_school,professional,24800.31,0.6048,full_paramedical,120,79,219,46,4.76,60,,True,88.2,,True,True,False,False,False,none,,none,none,schizophrenia,19,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,7,UW-364,2.75,whole_life,500000,annual,3545.69,,none,2423.21,,,False,none,captive_agent,False,False,False,0.003034,0.014459,SOA_2015_VBT,SOA_Scale_MP2023,2.882,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005309,0.02,False,,1.0,False,,,,0.04,0.0486,False,normal_rate,4.03,1.14,False,False,False,False,False,0.824,67.2,53.3,super_preferred_longevity,100.0,baseline,1.046,0.547,True,22.6,False,,497576.79,31179.08,28395.38,28365.52,6736.81,False,0,2.5,-20.0
LI-2024-INS004-003221,2003-07-20,22,79,101,1924,male,never_smoker,28.3,76,232,OH,USA,single,graduate,light_blue_collar,55956.15,0.4036,full_paramedical,164,107,279,43,6.49,79,5.8,False,68.3,20.0,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-010,2.25,term_life,250000,monthly,4521.39,20.0,none,,,,False,none,employer_group,True,False,False,0.232047,0.927677,SOA_2015_VBT,SOA_Scale_MP2023,2.295,cancer,True,2016-04-10,False,False,1034140.55,0.0007,5e-05,1.095,0.290058,0.012,False,,1.0,False,,,,0.03,0.0496,False,normal_rate,4.41,2.87,False,False,False,False,False,0.905,7.2,1.2,sub_standard_longevity,30.4,baseline,1.197,0.6,True,78.1,False,,250000.0,2107.69,2067.96,2170.27,15390.81,False,0,1.5,-9.64
LI-2024-INS004-003222,2009-06-05,18,28,46,1981,non_binary,unknown,32.3,71,231,NH,USA,married,high_school,heavy_blue_collar,41276.43,0.3839,full_paramedical,105,57,153,58,2.64,122,5.0,False,87.6,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,1.1,,False,False,False,False,5,UW-348,0.94,universal_life,1000000,annual,4033.0,,10yr_declining,5181.39,,,True,excess_of_loss,bank,False,False,False,0.004081,0.004586,SOA_2015_VBT,SOA_Scale_MP2023,0.927,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0557,False,normal_rate,3.93,1.2,True,False,False,False,False,0.972,64.3,45.8,super_preferred_longevity,87.0,baseline,1.212,0.407,False,,True,-0.341,994818.61,35445.27,31627.3,32264.0,7662.7,False,0,0.68,13.25
LI-2024-INS004-003223,2017-12-02,3,49,52,1968,female,never_smoker,31.2,61,165,NJ,USA,married,high_school,light_blue_collar,20000.0,0.6282,accelerated_UW,135,91,222,56,3.96,113,5.5,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,54,UW-369,2.25,whole_life,500000,monthly,4522.35,,none,3004.62,,,False,none,direct_to_consumer,False,True,False,0.005027,0.017964,SOA_2015_VBT,SOA_Scale_MP2023,2.258,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006284,0.015,False,,1.0,False,,,,0.04,0.0671,False,normal_rate,4.11,1.78,False,False,False,False,False,0.902,45.9,42.9,super_preferred_longevity,86.3,baseline,1.029,0.478,False,,False,,496995.38,36347.43,37372.78,36178.8,8592.47,False,0,0.13,-13.69
LI-2024-INS004-003224,2012-01-01,5,36,41,1976,female,current_smoker,30.0,69,203,CT,USA,single,high_school,professional,175090.0,0.8988,full_paramedical,123,76,240,44,5.45,96,5.1,True,108.6,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,10,UW-011,2.5,universal_life,100000,monthly,848.08,,15yr_declining,644.73,,,False,none,independent_broker,False,False,False,0.004418,0.016063,SOA_2015_VBT,SOA_Scale_MP2023,2.586,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006627,0.018,False,,1.0,False,,,,0.08,0.0353,False,normal_rate,2.54,1.45,True,False,False,False,False,0.919,61.4,55.0,super_preferred_longevity,100.0,baseline,0.826,0.921,False,,False,,99355.27,6460.77,6599.74,6784.64,1611.35,False,0,1.19,-12.27
LI-2024-INS004-003225,2022-06-01,1,62,63,1960,female,never_smoker,34.2,65,205,LA,USA,married,bachelors,white_collar,20000.0,0.3337,limited_exam,127,81,222,32,6.94,95,4.7,False,63.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-018,1.5,term_life,500000,annual,3444.33,30.0,none,,,,False,none,employer_group,False,False,False,0.011706,0.033819,SOA_2015_VBT,SOA_Scale_MP2023,1.733,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005853,0.015,True,0.00261,1.0,False,,,,0.1,0.172,False,normal_rate,0.0,0.78,False,False,False,False,False,0.791,30.5,29.5,preferred_longevity,61.8,baseline,1.25,0.41,False,,False,,500000.0,25035.64,27060.84,27554.64,6544.23,False,0,4.4,1.83
LI-2024-INS004-003226,2023-07-27,3,59,62,1964,female,never_smoker,28.2,69,190,NY,USA,married,bachelors,heavy_blue_collar,20000.0,0.3818,limited_exam,115,67,180,45,4.0,65,,False,64.4,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,0.71,1.0,False,False,False,False,4,UW-206,1.25,term_life,250000,quarterly,1761.74,30.0,none,,,,False,none,bank,False,False,False,0.011412,0.020207,SOA_2015_VBT,SOA_Scale_MP2023,1.253,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002853,0.015,False,,1.0,True,2025-10-13,replacement,3.0,0.07,0.4287,False,normal_rate,5.31,0.93,True,False,False,True,False,0.984,34.3,31.3,preferred_longevity,65.2,baseline,1.214,0.181,False,,False,,250000.0,13400.51,13428.57,14093.92,3347.31,False,0,4.17,18.82
LI-2024-INS004-003227,2016-02-12,8,41,49,1975,female,never_smoker,32.4,66,200,VT,USA,divorced,some_college,professional,20085.42,0.6158,full_paramedical,139,85,245,58,4.22,92,5.0,False,111.4,,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-478,1.25,term_life,500000,annual,2238.45,30.0,none,,,,False,none,employer_group,False,False,False,0.003965,0.007005,SOA_2015_VBT,SOA_Scale_MP2023,1.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000991,0.018,False,,1.0,False,,,,0.05,0.0724,False,normal_rate,3.21,2.54,False,True,False,False,False,0.876,55.2,47.2,super_preferred_longevity,92.5,baseline,1.038,0.634,False,,False,,500000.0,17282.44,16851.7,17907.6,4253.05,False,0,-0.04,10.93
LI-2024-INS004-003228,2012-05-13,7,28,35,1984,male,never_smoker,24.3,76,200,MS,USA,single,high_school,white_collar,70005.39,0.7387,full_paramedical,119,62,193,52,3.71,77,5.1,False,93.7,,True,True,False,False,True,prostate,10.7,none,none,none,4,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,29,UW-174,1.25,term_life,500000,monthly,2046.52,15.0,none,,,,False,none,bank,False,False,False,0.001896,0.002808,SOA_2015_VBT,SOA_Scale_MP2023,1.301,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.02,False,,1.0,False,,,,0.05,0.0555,False,normal_rate,0.56,0.56,False,False,False,False,False,0.758,66.2,55.0,super_preferred_longevity,100.0,baseline,0.946,0.785,False,,False,,500000.0,17960.83,14058.42,16372.16,3888.39,False,0,0.89,7.17
LI-2024-INS004-003229,2003-11-05,6,79,85,1924,male,current_smoker,33.5,68,220,DE,USA,married,some_college,professional,22207.16,0.8124,limited_exam,144,72,237,29,8.17,96,4.8,True,89.1,6.21,False,False,False,False,False,none,,none,moderate_gold_2,depression,2,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,25,UW-301,2.5,term_life,250000,monthly,3880.19,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.129927,0.494044,SOA_2015_VBT,SOA_Scale_MP2023,2.585,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.194891,0.012,False,,1.0,False,,,,0.05,0.0525,False,normal_rate,2.3,0.63,False,False,False,False,False,0.966,5.8,1.0,sub_standard_longevity,26.2,baseline,0.891,0.863,False,,False,,250000.0,1487.64,1509.81,1552.08,13270.25,False,0,-0.41,-16.98
LI-2024-INS004-003230,2006-10-22,13,19,32,1987,male,former_smoker,38.7,69,262,HI,USA,divorced,high_school,light_blue_collar,46554.57,0.624,full_paramedical,155,105,227,47,4.83,105,5.3,False,99.0,,False,True,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-218,2.0,term_life,250000,monthly,1164.43,15.0,none,,,,False,none,captive_agent,True,False,False,0.002095,0.00656,SOA_2015_VBT,SOA_Scale_MP2023,2.066,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002095,0.02,False,,1.0,False,,,,0.03,0.036,False,normal_rate,2.41,0.54,False,False,False,False,True,0.828,70.0,55.0,super_preferred_longevity,100.0,baseline,1.032,0.601,False,,False,,250000.0,9915.46,8637.61,9315.44,2212.42,False,0,0.34,-5.4
LI-2024-INS004-003231,2012-11-13,4,29,33,1983,female,never_smoker,43.2,62,236,TN,USA,single,some_college,professional,46647.67,0.6915,full_paramedical,118,80,248,36,6.89,100,5.3,False,97.1,,False,False,False,False,False,none,,none,none,schizophrenia,17,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-035,2.25,whole_life,500000,annual,3417.87,,none,2351.01,,,False,none,captive_agent,True,False,False,0.001358,0.004854,SOA_2015_VBT,SOA_Scale_MP2023,2.368,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001698,0.02,False,,1.0,False,,,,0.04,0.0459,False,normal_rate,3.37,0.63,False,False,False,False,False,0.914,68.8,58.8,super_preferred_longevity,100.0,baseline,0.981,0.647,True,55.1,False,,497648.99,28513.02,23498.03,27342.96,6493.95,False,0,-0.54,-13.12
LI-2024-INS004-003232,2007-05-09,4,58,62,1949,male,never_smoker,29.9,69,202,IN,USA,divorced,bachelors,professional,56542.67,0.7685,full_paramedical,124,71,238,46,5.17,98,5.2,False,67.6,4.41,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-216,1.25,annuity_deferred,100000,monthly,586.51,,none,425.98,,,False,none,direct_to_consumer,False,False,False,0.012736,0.018099,SOA_2015_VBT,SOA_Scale_MP2023,1.268,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003184,0.008,False,,1.0,False,,,,0.04,0.0608,False,normal_rate,3.8,1.53,False,False,False,False,False,0.936,30.1,26.1,preferred_longevity,63.2,baseline,0.924,0.757,False,,False,,99574.02,4464.83,4264.61,4692.08,1114.37,False,0,3.53,2.38
LI-2024-INS004-003233,2019-02-15,5,36,41,1983,male,never_smoker,33.5,69,226,IL,USA,married,graduate,professional,81298.31,0.3219,full_paramedical,133,79,179,54,3.31,112,4.9,False,80.5,1.16,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,23,UW-244,0.98,term_life,500000,semi_annual,1473.58,20.0,none,,,,True,quota_share,worksite,False,False,False,0.002761,0.003253,SOA_2015_VBT,SOA_Scale_MP2023,0.936,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.101,False,normal_rate,3.85,2.24,False,False,False,False,False,0.845,56.3,51.3,super_preferred_longevity,94.3,baseline,1.259,0.247,False,,False,,500000.0,11163.44,11823.92,11788.64,2799.8,False,0,3.46,19.15
LI-2024-INS004-003234,2021-11-05,3,26,29,1995,female,current_smoker,35.1,71,251,UT,USA,single,graduate,professional,24961.63,0.5283,full_paramedical,133,83,266,43,6.19,122,5.1,True,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-483,2.0,universal_life,1000000,quarterly,5302.5,,10yr_declining,3466.33,,,True,excess_of_loss,bank,False,False,False,0.00223,0.008826,SOA_2015_VBT,SOA_Scale_MP2023,2.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00223,0.022,True,0.00148,1.0,False,,,,0.08,0.046,False,normal_rate,3.79,1.61,False,False,False,False,False,0.822,70.0,55.0,super_preferred_longevity,100.0,baseline,1.104,0.522,False,,False,,996533.67,43742.51,42653.59,42420.0,10074.75,False,0,-0.41,-8.98
LI-2024-INS004-003235,2011-07-17,14,23,37,1988,male,never_smoker,17.4,68,114,HI,USA,married,some_college,white_collar,206431.48,0.4442,limited_exam,104,70,206,60,3.43,60,5.8,False,77.8,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,13,UW-432,0.64,term_life,500000,annual,1055.26,20.0,none,,,,False,none,bank,True,False,False,0.002134,0.001395,SOA_2015_VBT,SOA_Scale_MP2023,0.56,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0403,False,normal_rate,4.39,1.3,False,False,False,False,True,0.764,70.0,62.6,super_preferred_longevity,100.0,baseline,1.167,0.515,True,74.0,False,,500000.0,9165.44,7811.66,8442.08,2004.99,False,0,5.17,28.68
LI-2024-INS004-003236,2008-10-25,8,36,44,1972,female,former_smoker,31.1,58,148,MO,USA,single,high_school,heavy_blue_collar,68869.8,0.5092,full_paramedical,129,87,206,49,4.2,81,5.0,False,73.3,,False,True,False,False,True,melanoma,3.8,none,none,anxiety,0,False,False,False,False,True,substandard_table_2,1.09,2.0,False,False,False,False,43,UW-313,1.5,term_life,250000,annual,1411.47,25.0,none,,,,False,none,bank,False,False,False,0.003542,0.00783,SOA_2015_VBT,SOA_Scale_MP2023,1.53,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001771,0.018,False,,1.0,False,,,,0.05,0.0646,False,normal_rate,3.43,2.61,False,False,False,False,False,0.853,59.3,51.3,super_preferred_longevity,97.1,baseline,1.118,0.588,False,,False,,250000.0,10789.23,10830.63,11291.76,2681.79,False,0,0.75,8.64
LI-2024-INS004-003237,2008-02-12,14,65,79,1943,male,never_smoker,16.9,73,127,IA,USA,widowed,high_school,light_blue_collar,28035.49,0.4013,accelerated_UW,139,101,203,56,3.62,72,,False,74.3,12.71,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,9,UW-201,2.0,indexed_ul,500000,quarterly,6359.73,,10yr_declining,6816.61,,,False,none,captive_agent,False,False,False,0.053262,0.186734,SOA_2015_VBT,SOA_Scale_MP2023,2.09,respiratory,True,2017-08-30,False,False,534817.32,0.0007,5e-05,1.095,0.053262,0.008,False,,1.0,False,,,,0.04,0.0552,False,normal_rate,2.9,0.69,False,False,False,False,False,0.753,20.7,6.7,sub_standard_longevity,28.6,baseline,1.199,0.425,False,,False,,493183.39,18216.29,15028.97,17044.08,18850.24,False,0,0.82,-13.94
LI-2024-INS004-003238,2008-01-22,4,42,46,1966,male,former_smoker,21.9,71,156,TN,USA,married,high_school,heavy_blue_collar,61453.65,0.8457,full_paramedical,128,76,211,62,3.4,68,6.2,False,92.1,2.84,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,0.67,5.0,False,False,False,False,29,UW-478,2.25,universal_life,1000000,quarterly,8517.57,,15yr_declining,6314.95,,,True,none,independent_broker,False,False,False,0.005126,0.017036,SOA_2015_VBT,SOA_Scale_MP2023,2.395,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006408,0.015,False,,1.0,False,,,,0.08,0.0368,False,normal_rate,4.06,1.7,True,False,False,False,False,0.912,49.5,45.5,super_preferred_longevity,93.4,baseline,0.866,0.795,False,,False,,993685.05,66097.56,61205.78,68140.56,16183.38,False,0,4.57,-14.04
LI-2024-INS004-003239,2017-03-02,9,35,44,1982,male,never_smoker,20.9,74,162,AK,USA,married,some_college,professional,121382.06,0.6937,full_paramedical,110,70,205,52,3.94,93,,False,90.4,3.44,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,preferred_plus,,,False,False,False,False,30,UW-002,0.64,whole_life,500000,semi_annual,1263.47,,none,1044.48,,,False,none,employer_group,False,False,False,0.003406,0.001905,SOA_2015_VBT,SOA_Scale_MP2023,0.571,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0275,False,normal_rate,4.02,2.98,False,False,False,True,False,0.841,58.7,49.7,super_preferred_longevity,97.5,baseline,0.98,0.605,False,,False,,498955.52,9560.95,9269.06,10107.76,2400.59,False,0,6.87,27.9
LI-2024-INS004-003240,2006-05-01,13,72,85,1934,male,never_smoker,36.2,73,274,TN,USA,married,high_school,white_collar,45916.9,0.7806,full_paramedical,139,83,292,49,5.96,90,5.6,False,80.3,6.37,True,False,False,False,False,none,,none,none,none,5,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,33,UW-288,1.25,universal_life,2000000,monthly,18928.86,,10yr_declining,20180.9,,,True,facultative,independent_broker,False,False,False,0.091233,0.129024,SOA_2015_VBT,SOA_Scale_MP2023,1.273,cardiovascular,True,2018-10-26,False,False,590009.18,0.0007,5e-05,1.095,0.022808,0.005,False,,1.0,False,,,,0.04,0.043,False,normal_rate,1.38,2.38,False,False,False,False,False,0.843,13.6,1.2,sub_standard_longevity,26.0,baseline,0.915,0.61,True,78.9,False,,1979819.1,9989.02,9117.45,9085.85,64433.84,False,0,3.39,10.99
LI-2024-INS004-003241,2011-07-25,13,71,84,1940,male,unknown,27.3,65,164,OK,USA,single,bachelors,white_collar,186274.61,0.5964,full_paramedical,139,78,264,61,4.33,96,,False,,7.42,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-080,1.25,term_life,1000000,quarterly,8307.24,25.0,none,,,,True,none,independent_broker,False,False,False,0.092053,0.144241,SOA_2015_VBT,SOA_Scale_MP2023,1.251,neurological,True,2023-10-13,False,False,555405.84,0.0007,5e-05,1.095,0.023013,0.008,False,,1.0,False,,,,0.03,0.0367,False,normal_rate,3.7,2.67,True,False,False,False,False,0.951,15.0,2.0,sub_standard_longevity,24.4,baseline,1.053,0.651,False,,False,,1000000.0,6295.99,6811.77,6645.79,27746.18,False,0,3.19,9.83
LI-2024-INS004-003242,2001-11-25,9,63,72,1938,male,never_smoker,31.1,71,223,FL,USA,single,high_school,light_blue_collar,187248.53,0.6484,full_paramedical,141,88,224,67,3.34,95,5.5,False,69.0,14.87,True,False,False,False,False,none,,none,none,none,5,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-194,1.25,universal_life,500000,quarterly,3367.9,,10yr_declining,2902.05,,,False,none,captive_agent,False,False,False,0.03014,0.052754,SOA_2015_VBT,SOA_Scale_MP2023,1.48,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007535,0.005,False,,1.0,False,,,,0.06,0.0319,False,normal_rate,3.42,1.54,False,False,False,False,False,0.857,22.7,13.7,standard_longevity,42.8,baseline,1.014,0.509,False,,False,,497097.95,19393.76,17986.44,18456.09,8096.43,False,0,1.69,7.5
LI-2024-INS004-003243,2019-06-06,2,25,27,1994,female,former_smoker,32.9,66,203,NM,USA,single,graduate,heavy_blue_collar,389441.25,0.8637,full_paramedical,135,79,197,51,3.86,106,5.0,False,95.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,substandard_table_5,1.43,5.0,False,False,False,False,9,UW-484,2.25,universal_life,500000,semi_annual,2721.71,,10yr_declining,1895.64,,,False,none,direct_to_consumer,True,False,False,0.00133,0.004372,SOA_2015_VBT,SOA_Scale_MP2023,2.391,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001662,0.022,False,,1.0,False,,,,0.08,0.0509,False,normal_rate,2.8,2.72,False,False,False,False,False,0.909,70.0,55.0,super_preferred_longevity,100.0,baseline,0.852,0.921,False,,False,,498104.36,23940.88,22791.63,21773.68,5171.25,False,0,-0.09,-17.33
LI-2024-INS004-003244,2001-09-21,23,25,48,1976,male,never_smoker,25.2,60,128,KY,USA,divorced,graduate,white_collar,33101.76,0.8227,full_paramedical,109,74,181,53,3.42,70,,False,82.6,4.65,True,False,True,False,False,none,,none,none,schizophrenia,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,46,UW-007,2.25,whole_life,100000,quarterly,804.85,,none,1250.18,,,False,none,employer_group,False,False,False,0.004587,0.015675,SOA_2015_VBT,SOA_Scale_MP2023,2.454,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005734,0.018,False,,1.0,True,2026-05-08,replacement,23.0,0.015,0.0188,False,normal_rate,3.45,2.28,False,False,False,False,False,0.771,70.0,56.5,super_preferred_longevity,100.0,baseline,0.883,0.649,True,89.6,False,,98749.82,6729.1,5732.19,6438.8,1529.21,False,0,-2.49,-6.21
LI-2024-INS004-003245,2022-07-15,4,34,38,1988,female,never_smoker,32.5,58,155,WI,USA,divorced,high_school,professional,43154.74,0.7373,limited_exam,139,103,270,36,7.5,97,4.7,False,,,False,False,False,False,False,none,,none,none,schizophrenia,9,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-368,2.25,whole_life,500000,quarterly,3156.46,,none,2363.43,,,True,none,worksite,False,False,False,0.001816,0.007341,SOA_2015_VBT,SOA_Scale_MP2023,2.323,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.02,True,0.00108,1.0,False,,,,0.04,0.0444,False,normal_rate,4.64,2.32,False,False,False,False,False,0.931,64.7,55.0,super_preferred_longevity,100.0,baseline,0.947,0.85,False,,False,,497636.57,24281.41,21706.79,25251.68,5997.27,False,0,1.33,-10.51
LI-2024-INS004-003246,2003-05-09,23,75,98,1928,female,never_smoker,27.9,67,178,UT,USA,single,bachelors,heavy_blue_collar,65898.56,0.5793,full_paramedical,143,96,233,53,4.4,105,,False,61.8,,False,False,True,False,True,breast,8.6,none,none,bipolar,3,False,False,False,False,True,substandard_table_4,0.66,4.0,False,False,False,False,45,UW-131,2.0,universal_life,1000000,monthly,16538.39,,10yr_declining,25759.36,,,True,none,independent_broker,False,False,False,0.156537,0.519815,SOA_2015_VBT,SOA_Scale_MP2023,2.178,neurological,True,2024-08-02,False,False,1265132.3,0.0007,5e-05,1.095,0.156537,0.012,False,,1.0,False,,,,0.04,0.0495,False,normal_rate,3.09,2.2,False,False,False,False,False,0.955,16.5,1.0,sub_standard_longevity,32.7,baseline,1.066,0.337,False,,False,,974240.64,6583.87,6479.79,6615.36,56561.29,False,0,1.81,-3.38
LI-2024-INS004-003247,2017-11-15,1,26,27,1991,male,former_smoker,24.6,72,181,SD,USA,married,some_college,professional,119784.41,0.4528,accelerated_UW,115,59,207,67,3.09,110,5.4,False,85.0,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,True,7,UW-160,0.85,universal_life,250000,monthly,542.63,,15yr_declining,332.53,,,False,none,independent_broker,False,False,False,0.001662,0.001538,SOA_2015_VBT,SOA_Scale_MP2023,0.797,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.12,0.0722,False,normal_rate,3.17,1.89,False,False,False,False,False,0.77,68.2,55.0,super_preferred_longevity,100.0,baseline,1.16,0.456,False,,True,0.707,249667.47,4719.43,3889.36,4341.04,1031.0,False,0,1.63,20.98
LI-2024-INS004-003248,2003-11-23,24,76,100,1927,female,never_smoker,25.0,63,141,AZ,USA,widowed,some_college,heavy_blue_collar,54598.6,0.4836,full_paramedical,152,99,232,38,6.11,73,5.5,False,68.9,,True,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,0.78,6.0,False,False,False,False,46,UW-242,2.5,term_life,2000000,monthly,40755.82,10.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.179212,0.793241,SOA_2015_VBT,SOA_Scale_MP2023,2.573,cardiovascular,True,2023-08-07,False,False,1272421.93,0.0007,5e-05,1.095,0.268818,0.012,False,,1.0,False,,,,0.03,0.0394,False,normal_rate,2.07,2.71,False,False,False,False,False,0.993,11.9,1.0,sub_standard_longevity,21.3,baseline,1.137,0.409,False,,False,,2000000.0,16581.79,15915.56,16302.33,139384.9,False,0,-0.85,-17.92
LI-2024-INS004-003249,2017-01-25,2,45,47,1972,female,never_smoker,24.6,61,129,WY,USA,divorced,high_school,heavy_blue_collar,159873.43,0.6804,limited_exam,137,77,165,59,2.8,82,4.9,False,78.3,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,1.47,1.0,False,False,False,False,13,UW-058,1.25,universal_life,2000000,monthly,9558.85,,10yr_declining,6009.08,,,True,facultative,captive_agent,False,False,False,0.003401,0.005155,SOA_2015_VBT,SOA_Scale_MP2023,1.279,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00085,0.018,False,,1.0,False,,,,0.08,0.0416,False,normal_rate,4.41,2.02,False,False,False,False,False,0.932,51.0,51.5,super_preferred_longevity,100.0,baseline,0.99,0.778,True,49.3,False,,1993990.92,80080.96,65577.85,76470.8,18161.81,False,0,1.82,9.32
LI-2024-INS004-003250,2013-06-25,3,58,61,1955,female,former_smoker,30.1,64,175,CT,USA,married,some_college,heavy_blue_collar,20000.0,0.4323,full_paramedical,144,88,218,63,3.46,120,5.2,False,,,False,False,True,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_1,1.45,1.0,False,False,False,False,17,UW-340,1.25,whole_life,100000,monthly,676.62,,none,448.85,,,False,none,bank,False,False,False,0.012254,0.022585,SOA_2015_VBT,SOA_Scale_MP2023,1.355,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003063,0.012,False,,1.0,False,,,,0.04,0.0542,False,normal_rate,4.53,2.8,False,False,False,False,False,0.83,36.9,38.6,super_preferred_longevity,86.9,baseline,1.176,0.471,True,74.1,False,,99551.15,4882.05,4667.8,5412.96,1285.58,False,0,4.26,9.62
LI-2024-INS004-003251,2009-07-13,4,80,84,1929,female,former_smoker,29.0,70,201,AZ,USA,married,some_college,white_collar,28169.91,0.528,full_paramedical,124,79,236,69,3.42,103,,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-479,1.25,whole_life,1000000,semi_annual,7670.9,,none,5763.18,,,True,none,bank,True,False,False,0.065892,0.116206,SOA_2015_VBT,SOA_Scale_MP2023,1.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016473,0.012,False,,1.0,False,,,,0.04,0.0511,False,normal_rate,2.84,0.85,False,False,False,False,True,0.855,8.4,5.2,sub_standard_longevity,28.2,baseline,1.104,0.561,True,87.3,False,,994236.82,15998.31,16705.54,15955.47,23657.06,False,0,5.9,8.83
LI-2024-INS004-003252,2001-03-24,18,72,90,1929,female,former_smoker,28.1,62,153,AK,USA,married,bachelors,white_collar,66503.23,0.922,simplified_issue,135,87,209,45,4.64,74,5.3,False,62.9,,True,False,False,True,False,none,,none,none,none,16,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,48,UW-448,2.5,universal_life,100000,quarterly,1645.83,,10yr_declining,2056.91,,,False,none,captive_agent,False,False,False,0.109239,0.392607,SOA_2015_VBT,SOA_Scale_MP2023,2.59,neurological,True,2005-11-30,False,False,1512706.83,0.0007,5e-05,1.095,0.163859,0.012,False,,1.0,False,,,,0.04,0.0385,False,normal_rate,2.54,0.86,False,False,False,False,False,0.867,18.0,1.0,sub_standard_longevity,27.8,baseline,0.808,0.833,False,,False,,97943.09,682.66,609.35,658.33,5628.74,False,0,0.8,-20.0
LI-2024-INS004-003253,2021-09-07,6,78,84,1943,female,never_smoker,26.1,63,147,KY,USA,single,graduate,professional,53781.32,0.6275,full_paramedical,140,95,214,67,3.19,89,5.4,False,60.7,,True,False,True,False,False,none,,none,none,none,8,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,47,UW-106,1.5,term_life,500000,annual,4711.68,20.0,none,,,,False,none,captive_agent,False,False,False,0.065599,0.154496,SOA_2015_VBT,SOA_Scale_MP2023,1.738,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032799,0.008,True,0.00434,1.0,False,,,,0.05,0.0599,False,normal_rate,3.45,0.75,False,False,False,False,False,0.856,15.6,10.0,standard_longevity,46.9,baseline,1.029,0.814,True,45.7,False,,500000.0,18007.19,17137.31,18846.72,12721.54,False,0,6.64,1.77
LI-2024-INS004-003254,2005-08-08,2,34,36,1971,female,never_smoker,20.4,60,104,VA,USA,married,less_than_hs,professional,107882.63,0.4984,full_paramedical,126,75,207,46,4.5,95,,False,102.4,,False,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,20,UW-216,0.65,whole_life,500000,monthly,958.4,,none,632.82,,,False,none,captive_agent,False,False,False,0.001608,0.001059,SOA_2015_VBT,SOA_Scale_MP2023,0.585,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0521,False,normal_rate,3.37,2.75,False,False,False,False,False,0.927,64.1,55.0,super_preferred_longevity,100.0,baseline,1.126,0.388,False,,False,,499367.18,7207.68,7768.01,7667.2,1820.96,False,0,2.31,25.57
LI-2024-INS004-003255,2010-01-19,2,21,23,1989,female,current_smoker,33.3,61,176,KY,USA,widowed,bachelors,professional,295710.35,0.6466,full_paramedical,109,64,199,34,5.85,81,5.2,True,,,False,False,False,False,False,none,,none,none,schizophrenia,10,False,True,False,True,True,substandard_table_7,,7.0,False,False,False,False,32,UW-111,2.75,annuity_deferred,1000000,annual,4807.07,,none,3148.16,,,True,facultative,direct_to_consumer,False,False,False,0.001764,0.008337,SOA_2015_VBT,SOA_Scale_MP2023,2.932,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003087,0.02,False,,1.0,False,,,,0.04,0.0662,False,normal_rate,3.8,1.99,False,False,False,False,False,0.972,70.0,65.7,super_preferred_longevity,100.0,baseline,1.015,0.598,True,87.6,False,,996851.84,41892.11,35599.49,38456.56,9133.43,False,0,-0.4,-20.0
LI-2024-INS004-003256,2004-07-07,15,42,57,1962,male,current_smoker,20.9,71,149,RI,USA,single,less_than_hs,white_collar,126644.53,0.8318,accelerated_UW,147,74,151,69,2.19,82,5.4,True,82.7,2.88,False,False,False,False,True,other,3.1,none,none,bipolar,2,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,True,33,UW-291,3.0,whole_life,1000000,monthly,12625.01,,none,14464.71,,,True,quota_share,direct_to_consumer,False,False,False,0.018114,0.089933,SOA_2015_VBT,SOA_Scale_MP2023,3.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036227,0.015,False,,1.0,False,,,,0.015,0.0217,False,normal_rate,3.47,1.23,False,False,False,False,False,0.822,48.8,33.8,preferred_longevity,75.7,baseline,0.876,0.942,False,,False,,985535.29,95102.75,86102.0,101000.08,23987.52,False,0,0.66,-20.0
LI-2024-INS004-003257,2004-08-06,16,69,85,1935,female,never_smoker,27.4,69,185,NH,USA,married,graduate,heavy_blue_collar,67587.36,0.9211,non_med_guaranteed,162,106,281,53,5.3,84,,False,,,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_4,0.85,4.0,False,False,False,False,14,UW-323,2.0,whole_life,100000,monthly,1361.46,,none,1523.15,,,False,none,captive_agent,False,False,False,0.073353,0.193489,SOA_2015_VBT,SOA_Scale_MP2023,2.024,cancer,True,2017-12-22,False,False,783829.2,0.0007,5e-05,1.095,0.073353,0.005,False,,1.0,False,,,,0.015,0.0144,False,normal_rate,2.3,1.29,False,False,False,False,False,0.943,21.3,5.3,sub_standard_longevity,34.3,baseline,0.809,0.937,False,,False,,98476.85,3095.8,2588.64,2886.3,4187.85,False,0,-1.39,-5.34
LI-2024-INS004-003258,2019-03-04,3,53,56,1966,female,former_smoker,26.1,69,176,CO,USA,single,high_school,light_blue_collar,85866.2,0.8223,accelerated_UW,113,65,208,42,4.95,86,6.2,False,63.9,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,26,UW-014,2.0,whole_life,100000,monthly,835.43,,none,606.21,,,True,quota_share,captive_agent,False,False,False,0.009067,0.02583,SOA_2015_VBT,SOA_Scale_MP2023,2.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009067,0.015,False,,1.0,False,,,,0.04,0.0417,False,normal_rate,5.21,2.59,False,False,False,False,False,0.959,42.4,39.4,super_preferred_longevity,83.9,baseline,0.883,0.9,False,,False,,99393.79,7332.47,6398.83,6683.44,1587.32,False,0,1.82,5.45
LI-2024-INS004-003259,2000-04-25,15,68,83,1932,male,never_smoker,30.1,71,216,FL,USA,married,bachelors,light_blue_collar,49844.8,0.4431,full_paramedical,137,96,202,40,5.05,94,5.5,False,,13.24,True,False,False,False,False,none,,none,none,none,10,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,54,UW-300,1.5,whole_life,500000,monthly,5913.19,,none,6736.33,,,False,none,worksite,False,False,False,0.076116,0.192261,SOA_2015_VBT,SOA_Scale_MP2023,1.735,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038058,0.005,False,,1.0,False,,,,0.015,0.0202,False,normal_rate,1.62,1.09,False,False,False,False,False,0.818,16.0,1.0,sub_standard_longevity,20.6,baseline,1.168,0.383,False,,False,,493263.67,2375.12,2339.4,2365.28,20223.11,False,0,2.24,3.48
LI-2024-INS004-003260,2007-10-21,13,47,60,1960,male,current_smoker,22.6,68,148,MN,USA,widowed,high_school,white_collar,54807.7,0.3819,non_med_guaranteed,144,90,180,54,3.33,76,4.5,True,76.8,2.22,False,False,True,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,5,UW-127,1.75,universal_life,100000,monthly,987.68,,15yr_declining,989.82,,,True,excess_of_loss,worksite,False,False,False,0.022638,0.065827,SOA_2015_VBT,SOA_Scale_MP2023,1.778,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016979,0.015,False,,1.0,False,,,,0.04,0.0251,False,normal_rate,4.23,2.57,False,False,False,False,False,0.918,44.7,31.7,preferred_longevity,75.8,baseline,1.214,0.111,False,,False,,99010.18,7445.26,7618.18,7901.44,1876.59,False,0,0.85,-4.51
LI-2024-INS004-003261,2014-02-04,1,26,27,1988,female,former_smoker,26.1,69,176,RI,USA,single,bachelors,white_collar,193658.76,0.1649,full_paramedical,120,73,224,51,4.39,110,,False,110.7,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,21,UW-084,1.25,group_life,500000,quarterly,1576.48,,none,,,,True,none,captive_agent,True,False,False,0.00133,0.003047,SOA_2015_VBT,SOA_Scale_MP2023,1.483,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000332,0.02,False,,1.0,False,,,,0.18,0.3952,False,normal_rate,1.83,1.2,False,False,False,False,False,0.997,70.0,55.0,super_preferred_longevity,97.5,baseline,1.376,0.16,False,,False,,500000.0,13056.3,10870.4,12611.84,2995.31,False,0,0.58,7.57
LI-2024-INS004-003262,2012-07-20,2,56,58,1956,male,current_smoker,31.3,68,205,KY,USA,married,some_college,heavy_blue_collar,20000.0,0.7168,full_paramedical,148,94,209,53,3.94,77,5.2,True,72.8,2.33,False,False,True,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,substandard_table_7,1.38,7.0,False,False,False,False,20,UW-264,2.75,universal_life,2000000,monthly,30478.75,,15yr_declining,18383.26,,,True,quota_share,employer_group,False,False,False,0.018491,0.085534,SOA_2015_VBT,SOA_Scale_MP2023,2.988,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03236,0.012,False,,1.0,False,,,,0.08,0.0487,False,normal_rate,2.67,0.72,False,False,False,False,False,0.88,36.2,34.2,super_preferred_longevity,84.6,baseline,0.962,0.742,False,,False,,1981616.74,267964.46,240179.55,243830.0,57909.62,False,0,2.22,-20.0
LI-2024-INS004-003263,2003-01-02,9,52,61,1951,female,never_smoker,17.7,64,103,MT,USA,married,less_than_hs,professional,105085.85,0.3548,limited_exam,106,59,216,37,5.84,102,4.6,False,84.4,,True,False,True,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,54,UW-144,1.25,term_life,250000,monthly,1639.78,20.0,none,,,,False,none,bank,True,False,False,0.008981,0.017084,SOA_2015_VBT,SOA_Scale_MP2023,1.339,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002245,0.012,False,,1.0,False,,,,0.05,0.0708,False,normal_rate,3.96,2.67,False,False,False,False,True,0.916,42.0,33.0,preferred_longevity,77.3,baseline,1.234,0.306,False,,False,,250000.0,12535.47,12964.87,13118.24,3115.58,False,0,1.72,9.85
LI-2024-INS004-003264,2021-10-10,1,46,47,1975,male,never_smoker,20.0,75,159,KS,USA,married,bachelors,white_collar,49869.57,0.8122,full_paramedical,137,93,222,45,4.93,116,4.3,False,75.9,2.94,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,16,UW-185,1.5,indexed_ul,500000,monthly,2757.02,,15yr_declining,1621.35,,,False,none,captive_agent,False,False,False,0.004251,0.009819,SOA_2015_VBT,SOA_Scale_MP2023,1.503,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002125,0.018,True,0.002,1.0,False,,,,0.11,0.052,False,normal_rate,5.11,0.67,False,False,False,False,False,0.928,46.9,43.4,super_preferred_longevity,89.8,baseline,0.891,0.643,False,,True,-1.676,498378.65,20222.16,21727.92,22056.16,5238.34,False,0,5.91,10.46
LI-2024-INS004-003265,2004-03-23,4,45,49,1959,male,former_smoker,23.5,64,136,FL,USA,married,some_college,white_collar,142612.75,0.6795,limited_exam,134,87,184,37,4.97,78,4.8,False,84.8,2.58,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-054,1.25,term_life,1000000,monthly,5856.37,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.005993,0.010027,SOA_2015_VBT,SOA_Scale_MP2023,1.437,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001498,0.012,False,,1.0,False,,,,0.07,0.0809,False,normal_rate,3.18,2.14,False,False,False,False,False,0.803,44.5,40.5,super_preferred_longevity,83.4,baseline,0.99,0.82,False,,False,,1000000.0,50833.45,43818.05,46850.96,11127.1,False,0,2.64,5.37
LI-2024-INS004-003266,2016-02-25,2,34,36,1982,male,current_smoker,27.1,60,138,MI,USA,married,some_college,professional,31653.59,0.8824,accelerated_UW,110,53,233,47,4.96,87,5.1,True,,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,True,28,UW-222,1.75,indexed_ul,250000,monthly,1449.05,,10yr_declining,894.6,,,True,quota_share,independent_broker,False,False,False,0.00402,0.00916,SOA_2015_VBT,SOA_Scale_MP2023,1.824,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003015,0.02,False,,1.0,False,,,,0.08,0.0358,False,normal_rate,5.44,2.89,False,False,False,False,False,0.981,60.4,55.0,super_preferred_longevity,100.0,baseline,0.838,0.828,False,,False,,249105.4,10859.64,10283.15,11592.4,2753.2,False,0,1.09,-4.46
LI-2024-INS004-003267,2007-09-21,20,52,72,1955,male,former_smoker,23.8,68,156,TN,USA,single,less_than_hs,professional,23526.34,0.4735,full_paramedical,133,76,173,43,4.02,84,,False,73.2,2.41,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,23,UW-016,0.79,universal_life,2000000,semi_annual,8616.02,,15yr_declining,11477.21,9319.49,0.812,True,none,independent_broker,False,False,False,0.039759,0.034822,SOA_2015_VBT,SOA_Scale_MP2023,0.765,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0317,False,normal_rate,3.39,1.46,False,False,False,False,False,0.888,36.1,16.1,standard_longevity,43.8,baseline,1.145,0.461,False,,False,,1988522.79,55548.06,52558.87,55487.17,19058.64,False,0,4.21,16.29
LI-2024-INS004-003268,2012-10-17,8,72,80,1940,male,never_smoker,30.9,71,221,RI,USA,married,high_school,heavy_blue_collar,20388.44,0.3039,full_paramedical,136,85,269,39,6.9,95,5.0,False,53.0,11.15,True,False,True,True,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,standard,0.54,,False,True,False,False,45,UW-286,1.0,term_life,500000,monthly,2938.01,10.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.056707,0.078772,SOA_2015_VBT,SOA_Scale_MP2023,1.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0874,False,normal_rate,5.48,2.38,False,False,False,False,False,0.798,15.9,7.9,standard_longevity,38.9,baseline,1.272,0.319,False,,False,,500000.0,8491.78,8190.15,9284.11,8426.21,False,0,3.49,20.35
LI-2024-INS004-003269,2014-10-28,4,18,22,1996,female,former_smoker,29.5,62,161,OH,USA,divorced,some_college,heavy_blue_collar,42453.68,0.7408,non_med_guaranteed,122,77,231,44,5.25,83,5.9,False,80.7,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,1.19,1.0,False,False,False,False,4,UW-497,1.25,universal_life,1000000,monthly,2564.71,,10yr_declining,1808.95,,,True,quota_share,independent_broker,False,False,False,0.00111,0.001799,SOA_2015_VBT,SOA_Scale_MP2023,1.451,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000278,0.022,False,,1.0,False,,,,0.08,0.1775,False,normal_rate,2.39,2.69,False,False,False,True,False,0.796,70.0,55.0,super_preferred_longevity,100.0,baseline,0.944,0.766,False,,False,,998191.05,21132.91,19820.75,20517.68,4872.95,False,0,1.3,10.51
LI-2024-INS004-003270,2017-05-17,2,76,78,1941,male,former_smoker,30.7,76,252,AZ,USA,divorced,bachelors,professional,81697.51,0.5993,full_paramedical,150,95,240,48,5.0,118,,False,90.5,3.09,True,True,True,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-403,1.5,universal_life,500000,monthly,4424.21,,15yr_declining,3017.79,,,True,none,captive_agent,False,False,False,0.062462,0.139108,SOA_2015_VBT,SOA_Scale_MP2023,1.644,respiratory,True,2017-06-06,True,False,175395.49,0.0007,5e-05,1.095,0.031231,0.008,False,,1.0,False,,,,0.08,0.0439,False,normal_rate,1.72,0.8,False,False,False,False,False,0.846,13.2,11.1,standard_longevity,48.1,baseline,1.051,0.61,True,30.4,False,,496982.21,18366.25,19155.82,19643.49,11556.04,False,0,7.57,1.41
LI-2024-INS004-003271,2015-02-08,10,22,32,1993,female,former_smoker,31.0,72,228,PA,USA,married,less_than_hs,white_collar,37323.13,0.8817,limited_exam,137,82,233,53,4.4,129,4.9,False,79.6,,False,True,False,False,False,none,,none,none,none,11,True,False,False,False,False,substandard_table_1,3.25,1.0,True,False,False,False,28,UW-091,1.25,whole_life,1000000,monthly,3784.65,,none,3412.91,,,True,none,employer_group,False,False,False,0.001676,0.002325,SOA_2015_VBT,SOA_Scale_MP2023,1.356,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000419,0.022,False,,1.0,False,,,,0.02,0.0239,False,normal_rate,4.83,2.64,False,False,False,False,False,0.757,70.0,56.5,super_preferred_longevity,100.0,baseline,0.839,1.0,True,41.9,False,,996587.09,32492.7,27510.68,30277.2,7190.83,False,0,6.73,17.96
LI-2024-INS004-003272,2020-01-08,6,49,55,1971,male,former_smoker,17.7,73,134,PA,USA,married,less_than_hs,light_blue_collar,40575.78,0.684,simplified_issue,124,74,214,72,2.97,87,5.5,False,,6.29,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-491,0.76,whole_life,500000,monthly,1561.16,,none,1179.68,,,False,none,direct_to_consumer,False,False,False,0.010433,0.01128,SOA_2015_VBT,SOA_Scale_MP2023,0.826,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00277,1.0,False,,,,0.02,0.0323,False,normal_rate,4.9,1.14,False,False,False,False,False,0.916,42.8,36.8,preferred_longevity,78.0,baseline,0.987,0.707,False,,False,,498820.32,12987.13,12540.4,12489.28,2966.2,False,0,7.77,26.52
LI-2024-INS004-003273,2019-10-01,8,69,77,1950,female,current_smoker,22.1,62,121,WV,USA,single,some_college,light_blue_collar,54806.81,0.6921,simplified_issue,137,87,237,53,4.47,104,5.2,True,,,False,False,False,False,False,none,,none,none,anxiety,10,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,55,UW-093,1.75,whole_life,250000,monthly,2921.69,,none,2549.69,,,False,none,bank,False,False,False,0.071292,0.192985,SOA_2015_VBT,SOA_Scale_MP2023,1.995,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.053469,0.012,False,,1.0,False,,,,0.02,0.0229,False,normal_rate,3.05,1.32,False,False,False,False,False,0.984,23.2,15.2,standard_longevity,45.7,baseline,0.981,0.715,False,,False,,247450.31,19085.41,15270.42,17763.88,6673.14,False,0,0.05,0.28
LI-2024-INS004-003274,2021-04-24,2,52,54,1969,male,never_smoker,27.2,67,173,SD,USA,divorced,high_school,light_blue_collar,33267.48,0.3273,full_paramedical,126,82,246,55,4.47,78,,False,81.1,1.18,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-345,2.25,whole_life,2000000,semi_annual,22848.21,,none,16005.6,6850.4,0.428,True,none,captive_agent,False,True,False,0.007392,0.038376,SOA_2015_VBT,SOA_Scale_MP2023,2.411,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00924,0.015,True,0.00678,1.0,False,,,,0.04,0.0345,False,normal_rate,4.1,0.52,False,False,False,False,False,0.923,37.9,35.9,preferred_longevity,71.3,baseline,1.255,0.305,False,,False,,1983994.4,189451.16,191090.51,182785.68,43411.6,False,0,-2.3,-14.99
LI-2024-INS004-003275,2010-09-15,13,80,93,1930,male,never_smoker,27.0,65,162,IA,USA,married,graduate,white_collar,61390.71,0.4433,full_paramedical,112,61,240,53,4.53,110,,False,66.4,20.0,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-101,1.25,universal_life,500000,monthly,5511.99,,10yr_declining,5780.59,,,False,none,captive_agent,False,False,False,0.173846,0.304682,SOA_2015_VBT,SOA_Scale_MP2023,1.287,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.043461,0.005,False,,1.0,False,,,,0.04,0.0538,False,normal_rate,4.8,2.08,False,False,False,True,False,0.91,5.0,1.0,sub_standard_longevity,20.6,baseline,1.168,0.471,True,40.9,False,,494219.41,2391.65,1931.94,2204.8,18851.01,False,0,0.99,9.78
LI-2024-INS004-003276,2009-10-13,11,73,84,1936,female,never_smoker,22.4,62,122,VA,USA,married,high_school,white_collar,20000.0,0.8655,non_med_guaranteed,142,91,205,62,3.31,81,4.8,False,,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-118,2.25,indexed_ul,250000,monthly,4113.23,,10yr_declining,3982.73,,,False,none,independent_broker,False,False,False,0.067688,0.225829,SOA_2015_VBT,SOA_Scale_MP2023,2.452,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.08461,0.005,False,,1.0,False,,,,0.04,0.1132,True,normal_rate,6.02,2.45,False,False,False,False,False,0.804,17.3,6.3,sub_standard_longevity,34.9,baseline,0.851,0.963,False,,False,,246017.27,11022.43,10426.66,10365.34,12323.24,False,0,-1.34,-14.58
LI-2024-INS004-003277,2004-08-04,9,40,49,1964,female,never_smoker,34.1,65,204,TN,USA,divorced,bachelors,white_collar,112672.33,0.8547,full_paramedical,137,79,256,64,4.0,92,4.9,False,102.3,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-300,2.25,whole_life,1000000,quarterly,8453.82,,none,7517.38,,,True,quota_share,worksite,False,False,False,0.003905,0.012976,SOA_2015_VBT,SOA_Scale_MP2023,2.413,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004882,0.015,False,,1.0,False,,,,0.02,0.0203,False,normal_rate,5.35,2.69,False,False,False,False,False,0.945,55.2,51.6,super_preferred_longevity,100.0,baseline,0.859,0.911,True,68.3,False,,992482.62,68772.53,69837.58,67630.56,16062.26,False,0,0.02,-13.42
LI-2024-INS004-003278,2012-06-02,9,21,30,1991,male,never_smoker,23.9,72,176,AR,USA,married,bachelors,heavy_blue_collar,29509.39,0.5219,limited_exam,120,61,221,55,4.02,95,,False,108.9,,False,True,False,False,False,none,,none,none,substance_use_disorder,11,False,False,False,False,False,standard,0.72,,False,True,False,False,27,UW-277,1.0,universal_life,250000,monthly,544.74,,10yr_declining,477.98,,,True,quota_share,bank,False,False,False,0.00146,0.001771,SOA_2015_VBT,SOA_Scale_MP2023,1.094,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0346,False,normal_rate,3.79,1.31,False,False,False,False,False,0.936,70.0,55.0,super_preferred_longevity,100.0,baseline,1.109,0.573,False,,False,,249522.02,4418.81,4446.03,4357.92,1035.01,False,0,5.34,15.73
LI-2024-INS004-003279,2011-09-26,10,72,82,1939,non_binary,never_smoker,27.5,60,140,AK,USA,single,high_school,professional,53145.09,0.8039,full_paramedical,142,107,254,26,9.77,97,4.5,False,64.0,,False,False,False,False,False,none,,none,none,bipolar,13,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,33,UW-084,2.0,indexed_ul,500000,quarterly,6189.05,,10yr_declining,5931.6,,,False,none,employer_group,False,False,False,0.0651,0.183826,SOA_2015_VBT,SOA_Scale_MP2023,2.033,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0651,0.005,False,,1.0,False,,,,0.06,0.0342,False,normal_rate,3.71,1.32,False,False,False,False,False,0.866,14.5,4.7,sub_standard_longevity,31.6,baseline,0.897,0.699,True,46.3,False,,494068.4,12198.96,10540.31,11635.41,19334.59,False,0,1.43,-6.88
LI-2024-INS004-003280,2004-02-18,19,71,90,1933,female,never_smoker,33.9,71,243,TN,USA,single,bachelors,white_collar,66983.3,0.4514,simplified_issue,150,83,196,30,6.53,101,4.9,False,59.0,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-459,1.5,universal_life,2000000,annual,22262.68,,10yr_declining,29317.19,,,True,excess_of_loss,worksite,False,False,False,0.110541,0.262873,SOA_2015_VBT,SOA_Scale_MP2023,1.617,cardiovascular,True,2014-11-24,False,False,1033782.86,0.0007,5e-05,1.095,0.05527,0.005,False,,1.0,False,,,,0.04,0.0536,False,normal_rate,2.48,0.69,False,False,False,False,False,0.778,17.2,1.0,sub_standard_longevity,20.8,baseline,1.161,0.532,False,,False,,1970682.81,9388.46,8617.1,8905.07,76138.37,False,0,2.98,4.57
LI-2024-INS004-003281,2014-04-18,1,43,44,1971,female,never_smoker,28.4,64,165,NY,USA,married,some_college,heavy_blue_collar,167632.77,0.5255,non_med_guaranteed,139,78,215,52,4.13,133,5.4,False,78.7,,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_1,1.32,1.0,False,False,False,False,10,UW-214,1.25,whole_life,500000,quarterly,2534.76,,none,1646.58,,,False,none,captive_agent,False,False,False,0.002724,0.004872,SOA_2015_VBT,SOA_Scale_MP2023,1.391,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000681,0.018,False,,1.0,False,,,,0.06,0.0768,False,normal_rate,3.75,2.41,False,False,False,False,False,0.924,52.2,51.2,super_preferred_longevity,97.2,baseline,1.106,0.69,False,,False,,498353.42,19389.41,17885.19,20278.08,4816.04,False,0,6.21,16.91
LI-2024-INS004-003282,2015-06-24,7,53,60,1962,female,former_smoker,26.9,62,147,AZ,USA,married,some_college,professional,20000.0,0.8717,full_paramedical,130,84,184,57,3.23,89,6.2,False,60.9,,False,False,False,False,False,none,,none,none,schizophrenia,9,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-493,2.25,indexed_ul,250000,quarterly,2509.43,,10yr_declining,2025.44,,,False,none,independent_broker,False,False,False,0.012133,0.039932,SOA_2015_VBT,SOA_Scale_MP2023,2.412,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015167,0.015,False,,1.0,False,,,,0.06,0.0271,False,normal_rate,3.65,2.51,False,False,False,False,False,0.832,42.0,35.0,preferred_longevity,78.1,baseline,0.846,0.82,False,,False,,247974.56,18535.62,20638.81,20075.44,4767.92,False,0,0.78,-12.02
LI-2024-INS004-003283,2009-03-28,9,29,38,1980,female,never_smoker,29.1,72,214,ME,USA,married,bachelors,white_collar,80854.42,0.5428,simplified_issue,114,73,195,54,3.61,101,4.8,False,,,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,49,UW-401,2.25,annuity_immediate,100000,monthly,746.05,,none,,,,False,none,direct_to_consumer,False,False,False,0.001816,0.006957,SOA_2015_VBT,SOA_Scale_MP2023,2.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.02,False,,1.0,False,,,,0.003,0.0053,False,normal_rate,5.42,2.37,True,False,False,False,False,0.858,67.8,65.2,super_preferred_longevity,100.0,baseline,1.093,0.461,True,85.6,False,,100000.0,5713.19,5155.64,5968.4,1417.49,False,0,2.32,-2.91
LI-2024-INS004-003284,2007-03-17,19,69,88,1938,female,former_smoker,20.2,60,103,OH,USA,married,high_school,white_collar,84953.4,0.5075,non_med_guaranteed,127,75,200,50,4.0,85,,False,76.6,,False,False,False,True,False,none,,none,none,none,7,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,48,UW-246,2.5,indexed_ul,250000,monthly,3999.05,,10yr_declining,5454.4,,,False,none,captive_agent,False,False,False,0.124752,0.548946,SOA_2015_VBT,SOA_Scale_MP2023,2.591,cancer,True,2007-12-11,True,True,1263557.85,0.0007,5e-05,1.095,0.187128,0.005,False,,1.0,False,,,,0.04,0.0518,False,normal_rate,4.94,1.98,False,False,False,False,False,0.756,20.1,1.1,sub_standard_longevity,21.8,baseline,1.119,0.701,False,,False,,244545.6,1932.61,1608.5,1759.58,13644.76,False,0,0.59,-20.0
LI-2024-INS004-003285,2012-09-11,1,68,69,1944,male,never_smoker,30.6,64,178,OR,USA,married,some_college,light_blue_collar,91366.36,0.8545,full_paramedical,134,76,237,29,8.17,106,5.1,False,,13.81,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,5,UW-107,1.75,term_life,250000,semi_annual,2726.44,15.0,none,,,,False,none,employer_group,False,False,False,0.022434,0.054678,SOA_2015_VBT,SOA_Scale_MP2023,1.964,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016825,0.008,False,,1.0,False,,,,0.1,0.122,False,normal_rate,5.65,0.68,False,False,False,False,False,0.845,19.7,18.7,standard_longevity,53.4,baseline,0.859,0.883,False,,False,,250000.0,21817.13,19739.36,20393.77,5463.79,False,0,-0.89,1.39
LI-2024-INS004-003286,2020-08-09,4,23,27,1997,female,never_smoker,28.5,70,198,OK,USA,married,graduate,light_blue_collar,108943.78,0.6186,full_paramedical,128,81,224,38,5.89,106,,False,109.2,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-147,2.25,term_life,500000,monthly,2555.35,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.001023,0.011185,SOA_2015_VBT,SOA_Scale_MP2023,2.378,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001279,0.022,True,0.00739,1.0,False,,,,0.07,0.3224,False,normal_rate,4.44,1.93,False,False,False,True,False,0.796,70.0,55.0,super_preferred_longevity,100.0,baseline,1.036,0.62,False,,False,,500000.0,18467.38,21265.07,20442.8,4855.17,False,0,0.81,-11.25
LI-2024-INS004-003287,2014-03-08,9,48,57,1966,male,unknown,27.9,66,172,AR,USA,married,graduate,white_collar,81234.39,0.7094,full_paramedical,133,70,239,48,4.98,83,,False,98.0,2.26,False,False,False,False,False,none,,none,none,bipolar,25,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-441,2.0,term_life,250000,annual,2699.61,10.0,none,,,,False,none,bank,False,False,False,0.010899,0.0332,SOA_2015_VBT,SOA_Scale_MP2023,2.114,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010899,0.015,False,,1.0,False,,,,0.05,0.0566,False,normal_rate,2.24,0.51,False,False,False,False,False,0.87,42.9,33.4,preferred_longevity,73.2,baseline,0.968,0.623,True,28.1,False,,250000.0,22878.72,19128.09,21596.88,5129.26,False,0,-0.53,-10.41
LI-2024-INS004-003288,2016-04-04,7,36,43,1980,male,never_smoker,21.1,72,155,CA,USA,married,high_school,white_collar,95001.97,0.4276,full_paramedical,106,71,189,48,3.94,74,4.7,False,,0.64,False,True,False,False,False,none,,none,none,depression,0,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-072,1.25,universal_life,500000,monthly,2535.69,,10yr_declining,1953.88,,,False,none,captive_agent,False,False,False,0.003171,0.005909,SOA_2015_VBT,SOA_Scale_MP2023,1.368,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000793,0.02,False,,1.0,False,,,,0.06,0.0367,False,normal_rate,4.65,1.44,False,False,False,False,False,0.803,56.3,49.3,super_preferred_longevity,92.9,baseline,1.179,0.342,False,,False,,498046.12,18478.66,18454.34,20285.52,4817.81,False,0,1.79,6.64
LI-2024-INS004-003289,2000-05-16,21,57,78,1943,female,former_smoker,26.3,69,178,MA,USA,married,some_college,professional,32121.59,0.2721,full_paramedical,155,110,260,30,8.67,102,,False,61.6,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-418,2.0,whole_life,1000000,quarterly,14118.72,,none,19898.79,,,True,excess_of_loss,captive_agent,False,False,False,0.050779,0.186734,SOA_2015_VBT,SOA_Scale_MP2023,2.066,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050779,0.008,False,,1.0,False,,,,0.015,0.0222,False,normal_rate,5.52,2.92,False,True,False,False,False,0.843,32.2,11.7,sub_standard_longevity,34.1,baseline,1.296,0.24,True,46.9,False,,980101.21,61410.37,64726.82,66075.61,36200.4,False,0,0.7,-8.73
LI-2024-INS004-003290,2011-05-18,15,60,75,1951,male,never_smoker,26.5,72,195,OR,USA,single,high_school,hazardous,136324.97,0.9558,full_paramedical,141,97,260,66,3.94,81,,False,75.0,4.33,False,False,True,False,False,none,,none,none,none,5,False,True,False,False,False,substandard_table_2,4.67,2.0,True,False,False,False,18,UW-411,1.5,indexed_ul,500000,monthly,5065.96,,15yr_declining,5647.29,,,False,none,direct_to_consumer,True,False,False,0.037877,0.070404,SOA_2015_VBT,SOA_Scale_MP2023,1.735,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018939,0.012,False,,1.0,False,,,,0.04,0.0236,False,normal_rate,1.43,1.8,False,False,False,False,False,0.828,32.4,17.4,preferred_longevity,62.9,baseline,0.783,0.967,False,,False,,494352.71,36103.08,34033.04,35259.08,10679.04,False,0,2.61,4.91
LI-2024-INS004-003291,2002-10-25,16,65,81,1937,male,never_smoker,24.2,72,178,ME,USA,married,high_school,white_collar,20000.0,0.3473,full_paramedical,130,82,227,60,3.78,97,,False,76.6,6.69,False,False,True,False,False,none,,none,none,bipolar,3,False,True,False,True,True,substandard_table_4,,4.0,False,False,False,False,22,UW-306,2.0,term_life,250000,annual,3305.94,10.0,none,,,,False,none,direct_to_consumer,False,False,False,0.065689,0.240666,SOA_2015_VBT,SOA_Scale_MP2023,2.149,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065689,0.005,False,,1.0,False,,,,0.03,0.0597,False,normal_rate,4.1,2.91,False,False,False,False,False,0.942,22.3,5.7,standard_longevity,36.3,baseline,1.24,0.392,True,0.0,False,,250000.0,7150.64,7436.08,7537.54,10063.28,False,0,1.87,-2.61
LI-2024-INS004-003292,2012-12-25,3,31,34,1981,female,never_smoker,17.1,59,90,NY,USA,married,bachelors,white_collar,108733.45,0.7196,full_paramedical,114,66,144,82,1.76,73,,False,93.6,,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,preferred_plus,,,False,False,False,False,18,UW-389,0.55,whole_life,250000,quarterly,411.22,,none,266.83,,,False,none,independent_broker,False,True,False,0.001434,0.000766,SOA_2015_VBT,SOA_Scale_MP2023,0.556,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.045,False,normal_rate,2.94,1.01,False,False,False,False,False,0.857,66.6,55.0,super_preferred_longevity,100.0,baseline,0.96,0.889,False,,False,,249733.17,3164.93,3082.48,3289.76,781.32,False,0,7.04,35.8
LI-2024-INS004-003293,2010-11-09,12,44,56,1966,female,never_smoker,31.0,71,222,FL,USA,married,high_school,white_collar,118025.47,0.4129,non_med_guaranteed,114,66,218,46,4.74,88,5.3,False,86.2,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,13,UW-007,0.79,indexed_ul,250000,monthly,870.06,,15yr_declining,883.12,,,False,none,independent_broker,False,False,False,0.006975,0.006982,SOA_2015_VBT,SOA_Scale_MP2023,0.841,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0247,False,normal_rate,4.13,2.23,False,False,False,False,False,0.98,49.8,37.8,preferred_longevity,75.4,baseline,1.19,0.4,False,,False,,249116.88,6388.5,6724.46,6960.48,1653.11,False,0,3.31,28.16
LI-2024-INS004-003294,2020-12-20,5,52,57,1968,female,unknown,30.6,61,161,MS,USA,single,bachelors,white_collar,99705.07,0.4696,full_paramedical,138,74,225,51,4.41,128,4.9,False,83.8,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-436,1.25,term_life,1000000,monthly,6782.47,30.0,none,,,,True,facultative,employer_group,False,False,False,0.008719,0.016161,SOA_2015_VBT,SOA_Scale_MP2023,1.254,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00218,0.015,True,0.00143,1.0,False,,,,0.07,0.1112,False,normal_rate,3.76,0.73,False,False,False,False,False,0.914,42.3,37.3,preferred_longevity,75.5,baseline,1.148,0.666,False,,False,,1000000.0,54362.73,50534.52,54259.76,12886.69,False,0,2.28,11.45
LI-2024-INS004-003295,2016-07-10,8,62,70,1954,female,never_smoker,29.7,72,219,OH,USA,married,some_college,heavy_blue_collar,32737.65,0.7603,limited_exam,122,83,215,37,5.81,107,,False,79.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,1.15,1.0,False,False,False,False,17,UW-238,1.25,term_life,2000000,monthly,16169.25,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.020299,0.03044,SOA_2015_VBT,SOA_Scale_MP2023,1.344,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005075,0.012,False,,1.0,False,,,,0.05,0.0546,False,normal_rate,2.35,1.93,False,False,False,True,False,0.76,31.1,23.1,standard_longevity,58.6,baseline,0.93,0.979,False,,False,,2000000.0,139274.65,111764.83,129354.0,30721.57,False,0,6.86,11.59
LI-2024-INS004-003296,2016-09-27,1,29,30,1987,male,never_smoker,27.5,62,150,LA,USA,married,graduate,professional,77476.91,0.6379,full_paramedical,97,61,152,51,2.98,90,,False,93.2,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-108,2.25,term_life,100000,quarterly,600.87,20.0,none,,,,False,none,captive_agent,False,False,False,0.00146,0.00547,SOA_2015_VBT,SOA_Scale_MP2023,2.444,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.02,False,,1.0,False,,,,0.1,0.119,False,normal_rate,3.33,2.56,False,False,False,False,False,0.801,65.2,58.2,super_preferred_longevity,100.0,baseline,1.022,0.576,True,51.9,False,,100000.0,4938.88,4193.04,4806.96,1141.65,False,0,-5.0,-16.24
LI-2024-INS004-003297,2010-05-08,6,79,85,1931,male,never_smoker,21.0,71,150,NE,USA,divorced,less_than_hs,heavy_blue_collar,241829.95,0.865,accelerated_UW,164,102,238,58,4.1,80,,False,70.8,11.92,True,True,True,True,False,none,,none,none,none,7,False,False,False,False,True,substandard_table_6,0.57,6.0,False,False,False,True,24,UW-389,2.5,term_life,500000,annual,7871.43,15.0,none,,,,False,none,captive_agent,True,False,False,0.089871,0.336086,SOA_2015_VBT,SOA_Scale_MP2023,2.631,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.134807,0.005,False,,1.0,False,,,,0.05,0.0504,False,normal_rate,4.76,0.75,False,False,False,False,False,0.886,9.5,5.1,standard_longevity,43.1,baseline,0.851,0.902,True,46.3,True,0.971,500000.0,16761.61,16211.58,16057.72,24338.46,False,0,-1.48,-20.0
LI-2024-INS004-003298,2020-06-28,2,43,45,1977,female,never_smoker,20.7,64,120,CA,USA,married,high_school,white_collar,136620.24,0.485,simplified_issue,123,81,182,48,3.79,83,,False,,,False,False,True,False,False,none,,none,none,anxiety,5,False,True,False,False,False,preferred_plus,,,False,False,False,False,28,UW-289,0.61,group_life,100000,annual,225.82,,none,,,,False,none,independent_broker,False,False,False,0.00293,0.003643,SOA_2015_VBT,SOA_Scale_MP2023,0.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00174,1.0,False,,,,0.15,0.1968,False,normal_rate,2.88,1.46,False,False,False,False,False,0.802,55.9,53.7,super_preferred_longevity,100.0,baseline,1.136,0.653,True,36.5,True,-0.468,100000.0,1637.47,1828.4,1806.56,429.06,False,0,3.77,22.78
LI-2024-INS004-003299,2015-05-17,9,18,27,1997,female,former_smoker,32.3,59,160,WY,USA,married,high_school,light_blue_collar,50068.52,0.7587,non_med_guaranteed,119,80,185,49,3.78,114,5.4,False,,,False,False,False,False,False,none,,none,none,bipolar,9,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-335,2.0,term_life,500000,annual,2025.48,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.00133,0.003888,SOA_2015_VBT,SOA_Scale_MP2023,2.066,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00133,0.022,False,,1.0,False,,,,0.05,0.0547,False,normal_rate,5.12,2.62,False,False,False,False,False,0.903,70.0,55.0,super_preferred_longevity,100.0,baseline,0.931,0.886,False,,False,,500000.0,15272.07,15503.6,16203.84,3848.41,False,0,0.21,-3.73
LI-2024-INS004-003300,2012-02-21,3,37,40,1975,male,unknown,24.0,75,192,OR,USA,divorced,high_school,white_collar,107265.04,0.8332,full_paramedical,103,66,172,68,2.53,98,4.7,False,97.9,0.61,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-325,2.0,whole_life,1000000,quarterly,7388.67,,none,4930.78,,,True,none,bank,False,False,False,0.00297,0.008407,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00297,0.018,False,,1.0,False,,,,0.04,0.0413,False,normal_rate,3.5,1.27,False,False,False,False,False,0.982,56.0,53.0,super_preferred_longevity,100.0,baseline,0.875,0.932,False,,False,,995069.22,54439.82,61134.64,59109.36,14038.47,False,0,1.81,-12.74
LI-2024-INS004-003301,2001-05-15,25,55,80,1946,male,unknown,26.7,68,175,VA,USA,divorced,high_school,professional,79951.75,0.5488,limited_exam,148,89,238,43,5.53,104,5.2,False,,4.7,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-224,1.5,term_life,500000,monthly,4358.69,30.0,none,,,,False,none,worksite,False,False,False,0.068433,0.153091,SOA_2015_VBT,SOA_Scale_MP2023,1.596,cardiovascular,True,2008-03-22,False,False,1194893.82,0.0007,5e-05,1.095,0.034217,0.008,False,,1.0,False,,,,0.03,0.0378,False,normal_rate,3.43,0.94,False,False,False,False,False,0.846,31.7,6.1,sub_standard_longevity,29.9,baseline,1.088,0.491,False,,True,-0.37,500000.0,11141.65,9969.09,10635.2,13128.37,False,0,0.89,1.38
LI-2024-INS004-003302,2020-05-04,7,29,36,1991,female,never_smoker,26.6,62,145,NC,USA,married,some_college,light_blue_collar,62568.63,0.2282,non_med_guaranteed,106,64,191,40,4.78,80,5.5,False,,,False,False,False,False,False,none,,none,none,none,10,False,False,True,False,True,preferred_plus,,,False,False,False,False,44,UW-275,0.68,term_life,100000,annual,227.18,15.0,none,,,,False,none,captive_agent,False,False,False,0.001608,0.008714,SOA_2015_VBT,SOA_Scale_MP2023,0.644,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00734,1.0,False,,,,0.05,0.0759,False,normal_rate,5.63,2.17,False,False,False,False,False,0.958,68.3,55.0,super_preferred_longevity,98.4,baseline,1.329,0.222,False,,False,,100000.0,1647.11,1806.85,1817.44,431.64,False,0,6.52,24.23
LI-2024-INS004-003303,2015-04-26,2,47,49,1968,female,former_smoker,26.0,64,151,SC,USA,married,less_than_hs,light_blue_collar,136697.08,0.8303,simplified_issue,128,75,203,58,3.5,108,4.3,False,75.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,22,UW-045,2.25,universal_life,2000000,annual,19633.5,,10yr_declining,13571.6,,,True,none,captive_agent,False,False,False,0.005154,0.017593,SOA_2015_VBT,SOA_Scale_MP2023,2.466,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006443,0.015,False,,1.0,False,,,,0.08,0.0373,False,normal_rate,5.13,1.03,False,False,False,False,False,0.961,48.7,46.7,super_preferred_longevity,95.0,baseline,0.877,0.56,False,,False,,1986428.4,147523.06,151934.57,157068.0,37303.65,False,0,4.61,-10.33
LI-2024-INS004-003304,2006-11-04,11,79,90,1927,male,never_smoker,29.0,63,163,UT,USA,married,high_school,professional,62038.9,0.7938,full_paramedical,137,95,252,63,4.0,75,,False,67.3,5.45,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,5,UW-411,1.5,term_life,250000,monthly,2761.38,30.0,none,,,,False,none,employer_group,False,False,False,0.102532,0.206724,SOA_2015_VBT,SOA_Scale_MP2023,1.676,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051266,0.012,False,,1.0,False,,,,0.03,0.0383,False,normal_rate,3.75,0.82,False,False,False,False,False,0.908,6.2,1.0,sub_standard_longevity,25.9,baseline,0.905,0.954,False,,False,,250000.0,1148.81,1137.9,1104.55,9443.92,False,0,2.23,8.44
LI-2024-INS004-003305,2004-06-08,5,19,24,1985,female,never_smoker,22.2,63,125,NC,USA,single,bachelors,light_blue_collar,118148.57,0.9806,full_paramedical,102,68,205,58,3.53,112,,False,101.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,24,UW-453,0.59,indexed_ul,1000000,monthly,1069.05,,15yr_declining,842.13,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.000913,0.00048,SOA_2015_VBT,SOA_Scale_MP2023,0.688,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0461,False,normal_rate,2.18,2.8,False,False,False,False,False,0.966,70.0,55.0,super_preferred_longevity,100.0,baseline,0.765,0.931,False,,False,,999157.87,8964.79,7370.36,8552.4,2031.19,False,0,5.99,26.57
LI-2024-INS004-003306,2002-12-25,13,66,79,1936,female,unknown,29.1,67,185,TX,USA,married,some_college,white_collar,152871.24,0.7606,non_med_guaranteed,148,100,192,30,6.4,80,,False,76.2,,False,False,False,False,False,none,,none,none,substance_use_disorder,7,False,False,False,False,False,standard,,,False,True,False,False,5,UW-330,1.0,indexed_ul,250000,semi_annual,1814.02,,10yr_declining,1847.13,,,True,none,independent_broker,False,False,False,0.050561,0.048644,SOA_2015_VBT,SOA_Scale_MP2023,1.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.04,0.0437,False,normal_rate,3.01,1.3,False,False,False,False,False,0.9,23.8,11.8,standard_longevity,41.6,baseline,0.93,0.702,True,60.5,False,,248152.87,8638.29,8160.78,8562.17,4636.64,False,0,7.46,19.4
LI-2024-INS004-003307,2023-02-24,1,79,80,1944,male,former_smoker,20.4,74,159,ND,USA,single,bachelors,white_collar,78472.42,0.7353,full_paramedical,135,73,220,43,5.12,79,,False,72.0,3.9,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-097,2.25,group_life,100000,quarterly,1620.6,,none,,,,False,none,employer_group,False,False,False,0.076126,0.271706,SOA_2015_VBT,SOA_Scale_MP2023,2.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.095158,0.008,False,,1.0,False,,,,0.18,0.2401,False,normal_rate,4.07,1.7,False,False,False,False,False,0.992,11.2,10.2,standard_longevity,48.8,baseline,0.949,0.664,False,,False,,100000.0,5998.11,6777.34,6612.05,4349.69,False,0,5.86,-9.34
LI-2024-INS004-003308,2019-12-24,3,46,49,1973,male,never_smoker,32.3,60,165,NY,USA,single,high_school,white_collar,39689.69,0.2119,limited_exam,124,83,236,25,9.44,89,5.7,False,111.6,4.33,False,False,False,True,False,none,,none,none,none,0,True,False,False,False,True,substandard_table_6,3.35,6.0,True,False,False,False,39,UW-071,2.5,term_life,500000,quarterly,5821.39,20.0,none,,,,False,none,independent_broker,False,False,False,0.004956,0.024063,SOA_2015_VBT,SOA_Scale_MP2023,2.502,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007434,0.018,False,,1.0,False,,,,0.07,0.15,False,normal_rate,3.45,1.71,False,False,False,False,False,0.945,44.2,47.5,super_preferred_longevity,86.9,baseline,1.341,0.297,True,77.7,False,,500000.0,46185.69,40589.53,46571.12,11060.64,False,0,1.17,-20.0
LI-2024-INS004-003309,2020-06-07,6,36,42,1984,male,unknown,37.1,73,281,GA,USA,married,some_college,white_collar,61298.96,0.662,full_paramedical,166,101,235,27,8.7,81,5.0,False,94.3,1.39,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-128,2.0,whole_life,2000000,monthly,13769.16,,none,10109.65,,,True,excess_of_loss,worksite,False,False,False,0.0034,0.013424,SOA_2015_VBT,SOA_Scale_MP2023,2.041,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0034,0.02,True,0.00306,1.0,False,,,,0.02,0.0234,False,normal_rate,3.54,2.43,False,False,False,False,False,0.965,60.8,54.8,super_preferred_longevity,100.0,baseline,1.003,0.775,False,,False,,1989890.35,118150.18,105384.59,110153.28,26161.4,False,0,0.99,-6.28
LI-2024-INS004-003310,2021-02-26,2,47,49,1974,female,never_smoker,23.8,68,156,MT,USA,divorced,high_school,light_blue_collar,20000.0,0.4294,simplified_issue,138,94,174,49,3.55,91,5.2,False,75.6,,False,False,False,False,False,none,,none,none,none,18,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-053,1.5,universal_life,500000,annual,2905.53,,10yr_declining,1841.47,,,False,none,bank,False,False,False,0.003965,0.013043,SOA_2015_VBT,SOA_Scale_MP2023,1.527,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001982,0.018,True,0.00393,1.0,False,,,,0.08,0.0488,False,normal_rate,4.42,0.52,True,False,False,False,False,0.864,48.3,46.3,super_preferred_longevity,88.4,baseline,1.178,0.453,False,,False,,498158.53,24510.89,24353.16,23244.24,5520.51,False,0,1.6,-7.85
LI-2024-INS004-003311,2011-06-18,11,80,91,1931,female,never_smoker,29.8,63,168,FL,USA,married,high_school,white_collar,27596.22,0.5185,full_paramedical,143,92,242,37,6.54,88,,False,74.7,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-152,1.5,term_life,500000,monthly,5215.3,20.0,none,,,,False,none,independent_broker,False,False,False,0.118826,0.269473,SOA_2015_VBT,SOA_Scale_MP2023,1.591,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.059413,0.005,False,,1.0,False,,,,0.03,0.0386,False,normal_rate,4.29,1.24,False,False,False,False,False,0.947,8.1,1.0,sub_standard_longevity,21.8,baseline,1.111,0.663,False,,False,,500000.0,2236.94,2057.72,2086.12,17836.33,False,0,2.43,0.72
LI-2024-INS004-003312,2024-06-02,2,63,65,1961,male,never_smoker,21.5,75,172,MN,USA,married,graduate,white_collar,119062.27,0.6073,simplified_issue,121,69,209,47,4.45,72,,False,,4.12,False,True,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,54,UW-390,2.25,group_life,1000000,monthly,12375.04,,none,,,,True,quota_share,captive_agent,False,False,False,0.017656,0.067492,SOA_2015_VBT,SOA_Scale_MP2023,2.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02207,0.015,False,,1.0,False,,,,0.15,0.1821,False,normal_rate,3.21,2.07,False,False,False,False,False,0.988,26.8,24.8,standard_longevity,58.8,baseline,1.045,0.519,False,,False,,1000000.0,104212.42,101681.9,99000.32,23512.58,False,0,-3.42,-18.11
LI-2024-INS004-003313,2022-02-25,2,79,81,1943,male,never_smoker,25.0,71,179,VT,USA,single,bachelors,professional,71851.62,0.9002,simplified_issue,141,88,155,51,3.04,88,5.4,False,86.1,5.96,False,False,False,False,False,none,,none,none,none,0,True,False,False,False,False,substandard_table_1,2.22,1.0,True,False,False,False,16,UW-439,1.25,universal_life,500000,annual,3819.66,,15yr_declining,2381.65,,,False,none,independent_broker,False,False,False,0.063343,0.086717,SOA_2015_VBT,SOA_Scale_MP2023,1.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015836,0.008,True,0.0028,1.0,True,2026-02-06,voluntary_surrender,2.0,0.08,0.0353,False,normal_rate,3.58,2.96,False,False,False,False,False,0.983,8.7,6.3,standard_longevity,35.5,baseline,0.825,0.936,True,11.5,False,,497618.35,9536.1,8218.27,9625.54,11443.7,False,0,4.83,17.76
LI-2024-INS004-003314,2020-11-18,2,49,51,1971,male,never_smoker,26.4,60,135,MD,USA,married,bachelors,professional,100800.55,0.6363,full_paramedical,119,72,236,60,3.93,72,,False,75.1,2.89,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,10,UW-201,0.76,term_life,5000000,monthly,14202.37,15.0,none,,,,True,none,captive_agent,False,False,False,0.005801,0.006465,SOA_2015_VBT,SOA_Scale_MP2023,0.765,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00193,1.0,False,,,,0.07,0.0834,False,normal_rate,2.5,1.88,False,False,False,False,False,0.985,42.6,46.5,super_preferred_longevity,91.8,baseline,1.023,0.605,True,59.0,True,1.641,5000000.0,103633.56,111746.78,113618.96,26984.5,False,0,2.52,25.21
LI-2024-INS004-003315,2007-11-12,14,32,46,1975,female,never_smoker,27.5,63,155,ND,USA,married,high_school,heavy_blue_collar,78731.4,0.9038,simplified_issue,131,81,188,46,4.09,96,5.5,False,,,False,False,False,False,False,none,,none,none,bipolar,16,False,False,True,False,True,substandard_table_4,1.45,4.0,False,False,False,False,70,UW-098,2.0,whole_life,5000000,quarterly,39670.26,,none,43743.06,,,True,coinsurance,independent_broker,False,False,False,0.003155,0.008417,SOA_2015_VBT,SOA_Scale_MP2023,2.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003155,0.018,False,,1.0,False,,,,0.015,0.0147,False,normal_rate,3.92,2.48,False,False,False,False,False,0.754,65.3,51.3,super_preferred_longevity,100.0,baseline,0.822,0.806,False,,False,,4956256.94,324061.33,310312.54,317362.08,75373.49,False,0,0.82,-6.95
LI-2024-INS004-003316,2010-02-22,15,28,43,1982,male,never_smoker,28.4,74,221,MT,USA,single,graduate,white_collar,145793.59,0.4496,full_paramedical,139,85,216,44,4.91,106,4.1,False,,2.15,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-150,2.0,term_life,2000000,monthly,14154.26,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.003171,0.011261,SOA_2015_VBT,SOA_Scale_MP2023,2.194,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.02,False,,1.0,False,,,,0.03,0.0402,False,normal_rate,3.44,2.16,False,False,False,False,False,0.826,64.7,49.7,super_preferred_longevity,93.8,baseline,1.163,0.417,False,,False,,2000000.0,113392.72,105391.88,113234.08,26893.09,False,0,-1.25,-4.24
LI-2024-INS004-003317,2024-06-17,1,63,64,1961,male,never_smoker,27.7,66,171,NC,USA,married,some_college,heavy_blue_collar,259299.36,0.4446,accelerated_UW,131,77,225,42,5.36,89,5.1,False,92.7,6.2,False,False,False,False,True,lung,0.7,none,none,bipolar,0,False,False,False,False,True,substandard_table_12,0.72,12.0,False,False,False,True,35,UW-257,4.0,whole_life,2000000,semi_annual,41883.35,,none,25970.58,,,True,quota_share,bank,False,True,False,0.016193,0.145186,SOA_2015_VBT,SOA_Scale_MP2023,5.114,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04858,0.015,False,,1.0,False,,,,0.06,0.0807,False,normal_rate,4.12,1.41,False,True,False,False,False,0.832,26.1,25.1,standard_longevity,56.8,baseline,1.167,0.455,False,,False,,1974029.42,340222.25,300643.53,335066.8,79578.37,False,0,-1.62,-20.0
LI-2024-INS004-003318,2021-07-12,5,34,39,1987,female,never_smoker,23.0,64,133,CT,USA,single,bachelors,professional,68861.85,0.5651,limited_exam,120,76,193,33,5.85,101,,False,,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-025,1.25,universal_life,250000,monthly,1142.48,,10yr_declining,845.66,,,False,none,independent_broker,False,False,False,0.001936,0.008038,SOA_2015_VBT,SOA_Scale_MP2023,1.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000484,0.02,True,0.00445,1.0,False,,,,0.08,0.0449,False,normal_rate,3.61,1.43,False,False,False,False,False,0.889,66.9,55.0,super_preferred_longevity,100.0,baseline,1.076,0.535,False,,False,,249154.34,8566.51,8176.04,9139.84,2170.71,False,0,3.95,6.31
LI-2024-INS004-003319,2019-09-07,3,18,21,2001,female,never_smoker,37.8,72,278,IL,USA,divorced,high_school,white_collar,68608.58,0.4661,limited_exam,138,74,261,50,5.22,106,5.0,False,94.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-173,2.25,whole_life,100000,monthly,389.53,,none,263.3,,,False,none,employer_group,False,False,False,0.000829,0.003251,SOA_2015_VBT,SOA_Scale_MP2023,2.324,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001036,0.012,False,,1.0,False,,,,0.04,0.0637,False,normal_rate,5.54,1.73,False,False,False,False,False,0.869,70.0,55.0,super_preferred_longevity,100.0,baseline,1.15,0.515,False,,False,,99736.7,3220.66,3183.61,3116.24,740.11,False,0,5.22,-7.63
LI-2024-INS004-003320,2005-10-02,15,69,84,1936,female,former_smoker,38.3,60,196,KY,USA,single,less_than_hs,light_blue_collar,43453.2,0.8778,full_paramedical,152,101,255,52,4.9,122,5.3,False,60.8,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,8,UW-089,2.0,term_life,1000000,quarterly,16041.86,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.087994,0.246186,SOA_2015_VBT,SOA_Scale_MP2023,2.136,cardiovascular,True,2011-02-02,False,False,1854022.65,0.0007,5e-05,1.095,0.087994,0.005,False,,1.0,False,,,,0.03,0.0299,False,normal_rate,3.31,2.83,False,False,False,False,False,0.865,21.3,6.3,standard_longevity,35.1,baseline,0.842,0.838,False,,False,,1000000.0,41536.01,37482.51,40425.49,48061.41,False,0,2.53,-0.92
LI-2024-INS004-003321,2017-11-14,9,26,35,1991,male,unknown,29.9,74,232,SC,USA,married,bachelors,light_blue_collar,42403.21,0.6964,full_paramedical,118,79,229,20,11.45,65,5.8,False,77.5,,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,9,UW-394,1.75,universal_life,1000000,annual,5401.43,,10yr_declining,4878.04,,,True,none,independent_broker,False,False,False,0.002181,0.005644,SOA_2015_VBT,SOA_Scale_MP2023,1.88,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001635,0.022,False,,1.0,False,,,,0.06,0.0309,False,normal_rate,1.93,1.55,False,False,False,False,False,0.955,69.2,57.6,super_preferred_longevity,100.0,baseline,0.978,0.526,True,48.3,False,,995121.96,46689.38,42717.15,43211.44,10262.72,False,0,1.88,8.07
LI-2024-INS004-003322,2015-03-21,11,61,72,1954,male,never_smoker,40.4,73,306,WI,USA,married,high_school,professional,80291.52,0.871,full_paramedical,153,98,250,63,3.97,114,5.1,False,71.2,2.99,True,False,False,True,False,none,,none,none,bipolar,7,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-285,2.5,term_life,2000000,annual,27551.78,10.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.030217,0.115381,SOA_2015_VBT,SOA_Scale_MP2023,2.738,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.045326,0.012,False,,1.0,False,,,,0.03,0.0421,False,normal_rate,1.92,2.04,False,False,False,False,False,0.968,28.5,21.6,standard_longevity,58.0,baseline,0.847,0.69,True,96.0,False,,2000000.0,228441.5,202996.92,220414.24,52348.38,False,0,0.36,-17.79
LI-2024-INS004-003323,2007-09-12,6,60,66,1947,male,never_smoker,39.0,66,241,AK,USA,divorced,high_school,professional,20000.0,0.7078,full_paramedical,127,71,198,43,4.6,107,5.1,False,,8.96,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-339,1.5,indexed_ul,250000,annual,2028.2,,10yr_declining,1632.15,,,False,none,employer_group,True,False,False,0.017701,0.035852,SOA_2015_VBT,SOA_Scale_MP2023,1.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00885,0.008,False,,1.0,False,,,,0.06,0.0367,False,normal_rate,1.14,0.97,False,False,False,False,False,0.944,27.5,21.5,standard_longevity,55.4,baseline,0.969,0.848,False,,False,,248367.85,15067.43,13974.02,16225.6,3853.58,False,0,3.66,11.23
LI-2024-INS004-003324,2020-07-21,3,21,24,1999,female,never_smoker,30.2,66,187,GA,USA,married,bachelors,hazardous,46467.04,0.8299,limited_exam,121,74,235,46,5.11,84,5.6,False,113.3,,True,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,3.15,,True,True,False,False,9,UW-388,1.0,universal_life,100000,monthly,198.66,,10yr_declining,132.41,,,False,none,independent_broker,False,False,False,0.000913,0.001571,SOA_2015_VBT,SOA_Scale_MP2023,1.025,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00075,1.0,False,,,,0.08,0.0373,False,normal_rate,2.64,1.97,False,False,False,False,False,0.924,70.0,58.6,super_preferred_longevity,100.0,baseline,0.878,0.824,True,54.0,False,,99867.59,1457.32,1498.42,1589.28,377.45,False,0,5.53,18.51
LI-2024-INS004-003325,2006-03-06,2,18,20,1988,non_binary,never_smoker,28.6,72,210,MI,USA,married,graduate,light_blue_collar,63436.44,0.8578,full_paramedical,109,65,153,49,3.12,103,,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,18,UW-459,0.7,universal_life,500000,quarterly,595.86,,10yr_declining,365.11,,,False,none,captive_agent,False,False,False,0.000906,0.000436,SOA_2015_VBT,SOA_Scale_MP2023,0.562,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0365,False,normal_rate,3.75,0.85,False,False,False,False,False,0.941,70.0,55.0,super_preferred_longevity,100.0,baseline,0.857,0.885,False,,False,,499634.89,4553.14,4239.51,4766.88,1132.13,False,0,3.01,34.53
LI-2024-INS004-003326,2020-05-02,3,55,58,1965,female,never_smoker,35.3,71,253,MO,USA,single,graduate,white_collar,42633.62,0.6243,full_paramedical,140,84,226,28,8.07,116,5.7,False,83.7,,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,30,UW-489,1.75,whole_life,500000,monthly,4012.61,,none,2739.5,,,False,none,bank,False,False,False,0.008245,0.026229,SOA_2015_VBT,SOA_Scale_MP2023,1.79,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006184,0.015,True,0.00482,1.0,False,,,,0.04,0.048,False,normal_rate,1.84,1.13,False,False,False,False,False,0.9,39.4,36.4,preferred_longevity,76.5,baseline,1.032,0.563,False,,False,,497260.5,28987.08,28993.31,32100.88,7623.96,False,0,2.12,-3.01
LI-2024-INS004-003327,2004-02-12,3,59,62,1945,female,unknown,31.2,60,159,OH,USA,widowed,bachelors,hazardous,146092.81,0.4294,accelerated_UW,126,82,236,66,3.58,148,5.8,False,81.9,,False,False,False,True,False,none,,pre_diabetes,none,none,2,False,False,False,False,True,substandard_table_6,2.6,6.0,True,False,False,True,40,UW-389,2.5,term_life,1000000,annual,11617.23,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.011346,0.051944,SOA_2015_VBT,SOA_Scale_MP2023,2.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01702,0.008,False,,1.0,False,,,,0.07,0.1139,False,normal_rate,3.68,2.2,False,False,False,False,False,0.769,31.1,28.4,preferred_longevity,61.5,baseline,1.178,0.551,False,,True,0.199,1000000.0,101751.19,86953.88,92937.84,22072.74,False,0,2.05,-20.0
LI-2024-INS004-003328,2018-11-07,1,45,46,1973,male,former_smoker,29.5,72,217,DE,USA,married,high_school,light_blue_collar,47415.73,0.3399,full_paramedical,134,89,246,43,5.72,96,,False,82.9,3.19,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-440,2.0,term_life,250000,semi_annual,2139.73,15.0,none,,,,False,none,captive_agent,False,False,False,0.005126,0.018542,SOA_2015_VBT,SOA_Scale_MP2023,2.102,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005126,0.018,False,,1.0,False,,,,0.1,0.1428,False,normal_rate,3.61,2.12,False,False,False,False,False,0.951,45.7,44.7,super_preferred_longevity,84.6,baseline,1.245,0.496,False,,False,,250000.0,16888.75,15296.0,17117.84,4065.49,False,0,2.94,-6.69
LI-2024-INS004-003329,2009-08-18,17,73,90,1936,female,former_smoker,35.5,69,240,SD,USA,married,bachelors,white_collar,58519.1,0.4843,limited_exam,158,91,285,60,4.75,112,7.9,False,82.9,,False,False,False,True,False,none,,type_2,none,substance_use_disorder,1,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,33,UW-467,2.5,term_life,100000,monthly,1764.43,20.0,none,,,,False,none,independent_broker,False,False,False,0.14588,0.65148,SOA_2015_VBT,SOA_Scale_MP2023,2.609,neurological,True,2010-02-25,True,False,1223849.24,0.0007,5e-05,1.095,0.218821,0.005,False,,1.0,False,,,,0.03,0.0394,False,normal_rate,2.98,1.17,False,False,False,False,False,0.968,15.7,1.0,sub_standard_longevity,21.3,baseline,1.137,0.626,False,,False,,100000.0,743.76,736.21,705.77,6034.35,False,0,2.1,-20.0
LI-2024-INS004-003330,2009-04-18,5,53,58,1956,female,never_smoker,33.5,58,160,AZ,USA,married,some_college,white_collar,43735.93,0.8199,full_paramedical,146,94,207,64,3.23,113,5.0,False,,,True,False,True,False,False,none,,none,none,none,21,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-207,1.5,term_life,500000,annual,3789.22,25.0,none,,,,False,none,captive_agent,False,False,False,0.007396,0.013721,SOA_2015_VBT,SOA_Scale_MP2023,1.531,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003698,0.012,False,,1.0,True,2026-04-25,non_payment,5.0,0.07,0.3523,False,normal_rate,3.63,1.23,False,False,True,True,False,0.901,43.6,38.0,super_preferred_longevity,91.8,baseline,0.885,0.907,True,28.2,False,,500000.0,29875.96,27411.22,30313.76,7199.52,False,0,3.82,6.42
LI-2024-INS004-003331,2005-05-06,19,22,41,1983,female,never_smoker,26.6,72,195,IA,USA,divorced,high_school,light_blue_collar,53211.06,0.6078,accelerated_UW,107,59,189,51,3.71,98,,False,89.4,,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,26,UW-476,1.25,term_life,5000000,quarterly,20703.0,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.002209,0.003957,SOA_2015_VBT,SOA_Scale_MP2023,1.476,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000552,0.02,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,3.75,2.27,False,True,False,False,False,0.987,70.0,51.0,super_preferred_longevity,98.1,baseline,1.044,0.551,False,,False,,5000000.0,153901.66,143673.89,165624.0,39335.7,False,0,2.69,17.76
LI-2024-INS004-003332,2017-03-19,3,67,70,1950,male,never_smoker,26.3,73,199,WA,USA,widowed,graduate,hazardous,46498.0,0.612,full_paramedical,131,86,177,48,3.69,91,5.8,True,89.1,5.67,False,True,False,False,False,none,,none,none,depression,2,False,True,False,False,False,substandard_table_1,4.37,1.0,True,False,False,False,21,UW-378,1.25,group_life,500000,quarterly,4040.51,,none,,,,False,none,captive_agent,False,False,False,0.048354,0.085732,SOA_2015_VBT,SOA_Scale_MP2023,1.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012089,0.012,False,,1.0,False,,,,0.15,0.1816,False,normal_rate,3.49,0.93,False,False,False,False,False,0.997,20.9,17.9,standard_longevity,48.5,baseline,1.041,0.59,False,,False,,500000.0,28021.93,30317.4,28930.05,8355.77,False,0,3.55,14.84
LI-2024-INS004-003333,2014-12-26,7,40,47,1974,male,never_smoker,23.6,60,120,NH,USA,single,some_college,white_collar,115401.91,0.7675,accelerated_UW,124,80,210,86,2.44,113,5.5,False,94.3,3.2,False,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,26,UW-026,2.25,indexed_ul,500000,semi_annual,4856.98,,15yr_declining,4066.08,,,False,none,captive_agent,False,False,False,0.004251,0.014803,SOA_2015_VBT,SOA_Scale_MP2023,2.415,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005314,0.018,False,,1.0,False,,,,0.06,0.0293,False,normal_rate,2.87,2.44,False,False,False,False,False,0.772,55.6,48.6,super_preferred_longevity,100.0,baseline,0.924,0.966,False,,False,,495933.92,40126.69,37121.71,38855.84,9228.26,False,0,2.93,-4.99
LI-2024-INS004-003334,2020-09-16,6,70,76,1950,male,never_smoker,31.3,75,250,GA,USA,divorced,high_school,light_blue_collar,82348.88,0.5094,full_paramedical,140,85,284,49,5.8,96,,False,75.5,2.98,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-066,1.25,term_life,1000000,annual,9020.42,15.0,none,,,,True,quota_share,bank,True,False,False,0.040836,0.075767,SOA_2015_VBT,SOA_Scale_MP2023,1.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010209,0.012,True,0.00607,1.0,False,,,,0.05,0.0646,False,normal_rate,2.68,0.6,False,False,False,False,False,0.775,17.5,11.5,standard_longevity,37.4,baseline,1.118,0.577,False,,False,,1000000.0,37978.47,43439.87,41493.93,23272.68,False,0,-2.03,17.08
LI-2024-INS004-003335,2016-01-05,2,38,40,1978,male,never_smoker,26.8,70,186,ID,USA,widowed,some_college,white_collar,293020.81,0.6401,full_paramedical,124,82,275,39,7.05,118,,False,88.7,3.18,False,False,False,False,False,none,,none,none,depression,5,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-344,1.5,term_life,100000,annual,482.57,30.0,none,,,,False,none,independent_broker,False,False,False,0.002583,0.00563,SOA_2015_VBT,SOA_Scale_MP2023,1.647,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001291,0.018,False,,1.0,False,,,,0.07,0.0832,False,normal_rate,3.01,0.71,False,True,False,False,False,0.927,54.7,52.7,super_preferred_longevity,100.0,baseline,1.02,0.591,False,,False,,100000.0,3630.84,3951.72,3860.56,916.88,False,0,1.98,5.53
LI-2024-INS004-003336,2006-11-24,5,19,24,1987,male,never_smoker,29.0,72,213,OR,USA,married,some_college,light_blue_collar,55949.89,0.6689,full_paramedical,111,62,201,27,7.44,96,,False,98.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,16,UW-232,1.5,group_life,500000,semi_annual,1568.29,,none,,,,False,none,employer_group,False,False,False,0.001141,0.002289,SOA_2015_VBT,SOA_Scale_MP2023,1.509,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00057,0.02,False,,1.0,False,,,,0.15,0.2097,False,normal_rate,4.18,1.24,False,False,False,False,False,0.996,70.0,55.0,super_preferred_longevity,100.0,baseline,0.998,0.741,False,,False,,500000.0,13423.72,12221.97,12546.32,2979.75,False,0,0.54,7.41
LI-2024-INS004-003337,2004-12-12,18,58,76,1946,male,current_smoker,25.7,70,178,FL,USA,single,some_college,heavy_blue_collar,138575.4,0.7048,full_paramedical,147,86,257,65,3.95,60,4.9,True,78.5,1.61,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_4,0.94,4.0,False,False,False,False,45,UW-215,2.0,term_life,500000,annual,6864.39,10.0,none,,,,False,none,captive_agent,False,False,False,0.084032,0.248759,SOA_2015_VBT,SOA_Scale_MP2023,2.018,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.084032,0.008,False,,1.0,False,,,,0.03,0.0341,False,normal_rate,5.42,1.79,False,False,False,False,False,0.957,29.4,11.4,standard_longevity,40.2,baseline,0.971,0.87,False,,False,,500000.0,32995.68,30100.02,31301.62,17765.04,False,0,2.98,-2.06
LI-2024-INS004-003338,2003-07-09,18,37,55,1966,female,current_smoker,30.2,69,204,NJ,USA,married,bachelors,white_collar,76755.86,0.3791,full_paramedical,119,74,280,46,6.09,118,,True,91.0,,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-396,2.0,indexed_ul,1000000,annual,9676.92,,10yr_declining,11962.16,,,True,quota_share,direct_to_consumer,False,False,False,0.012841,0.047713,SOA_2015_VBT,SOA_Scale_MP2023,2.234,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012841,0.015,False,,1.0,False,,,,0.04,0.0782,False,normal_rate,3.36,1.37,False,False,False,False,False,0.815,56.6,38.6,preferred_longevity,76.1,baseline,1.216,0.377,False,,False,,988037.84,82676.78,79180.94,77415.36,18386.15,False,0,0.5,-10.14
LI-2024-INS004-003339,2024-12-23,3,54,57,1970,male,current_smoker,23.4,72,172,VA,USA,single,some_college,heavy_blue_collar,30780.52,0.5259,accelerated_UW,142,92,207,38,5.45,113,5.8,True,89.0,1.27,False,False,False,False,False,none,,none,severe_gold_3,none,3,False,False,False,False,False,substandard_table_9,0.52,9.0,False,False,False,True,28,UW-455,3.25,universal_life,500000,annual,6997.83,,15yr_declining,4917.66,,,False,none,worksite,False,False,False,0.018954,0.126403,SOA_2015_VBT,SOA_Scale_MP2023,3.997,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042646,0.018,False,,1.0,False,,,,0.08,0.0461,False,normal_rate,1.73,1.36,False,False,False,False,False,0.928,37.0,34.0,preferred_longevity,71.4,baseline,1.106,0.682,False,,False,,495082.34,50892.38,56351.52,55982.64,13295.88,False,0,0.25,-20.0
LI-2024-INS004-003340,2005-09-02,22,76,98,1929,female,current_smoker,29.2,64,170,AL,USA,widowed,some_college,hazardous,33306.57,0.4862,non_med_guaranteed,138,94,225,51,4.41,82,,True,,,False,False,False,False,False,none,,none,none,depression,0,True,False,False,False,False,substandard_table_4,4.71,4.0,True,False,False,False,8,UW-451,2.0,universal_life,100000,monthly,1842.54,,15yr_declining,2673.5,,,False,none,captive_agent,False,False,False,0.316877,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.127,infectious,True,2021-11-21,False,False,169972.61,0.0007,5e-05,1.095,0.316877,0.012,False,,1.0,True,2025-08-23,replacement,22.0,0.04,0.0524,False,normal_rate,2.84,0.81,False,False,False,False,False,0.966,12.3,1.0,sub_standard_longevity,21.3,baseline,1.135,0.573,False,,False,,97326.5,714.56,747.89,737.02,6301.49,False,0,-1.28,-2.38
LI-2024-INS004-003341,2000-11-27,9,27,36,1973,female,former_smoker,27.2,65,163,MI,USA,married,some_college,white_collar,102967.23,0.5992,non_med_guaranteed,112,67,194,66,2.94,130,5.3,False,93.1,,False,False,True,False,False,none,,none,none,none,1,False,True,False,False,False,preferred,,,False,False,False,False,4,UW-467,0.79,term_life,100000,monthly,273.02,20.0,none,,,,False,none,captive_agent,False,False,False,0.00209,0.001783,SOA_2015_VBT,SOA_Scale_MP2023,0.812,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.061,False,normal_rate,1.83,2.76,False,False,False,False,False,0.972,70.0,55.0,super_preferred_longevity,100.0,baseline,1.051,0.479,False,,False,,100000.0,2238.66,1992.77,2184.16,518.74,False,0,7.19,29.34
LI-2024-INS004-003342,2002-07-01,15,22,37,1980,female,never_smoker,15.8,70,110,NY,USA,married,high_school,white_collar,87230.33,0.8164,full_paramedical,118,71,186,55,3.38,83,5.3,False,,,True,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,declined,,,False,False,True,False,28,UW-424,7.0,term_life,250000,semi_annual,5005.74,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001707,0.019618,SOA_2015_VBT,SOA_Scale_MP2023,6.185,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010244,0.02,False,,1.0,True,2025-06-06,voluntary_surrender,15.0,0.03,0.044,False,normal_rate,1.16,1.82,False,False,False,False,False,0.868,70.0,54.5,super_preferred_longevity,100.0,baseline,0.888,0.845,False,,True,-0.364,250000.0,41207.05,36953.45,40045.92,9510.91,False,0,-5.0,-20.0
LI-2024-INS004-003343,2020-03-20,1,53,54,1967,male,never_smoker,26.2,74,203,KY,USA,married,bachelors,light_blue_collar,96373.07,0.6663,limited_exam,119,69,187,33,5.67,107,5.3,False,72.2,3.61,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-053,1.25,whole_life,100000,annual,602.75,,none,364.08,,,True,facultative,bank,False,False,False,0.007392,0.016174,SOA_2015_VBT,SOA_Scale_MP2023,1.42,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001848,0.015,True,0.00383,1.0,False,,,,0.06,0.07,False,normal_rate,3.09,0.71,False,False,False,False,False,0.786,37.9,36.9,preferred_longevity,77.8,baseline,1.0,0.752,False,,False,,99635.92,5147.51,4943.1,4822.0,1145.22,False,0,2.37,9.5
LI-2024-INS004-003344,2011-03-05,4,25,29,1986,male,former_smoker,19.3,75,154,CO,USA,divorced,high_school,professional,112030.28,0.7637,full_paramedical,111,72,170,61,2.79,83,5.5,False,90.8,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,False,28,UW-411,0.83,indexed_ul,2000000,monthly,4279.62,,15yr_declining,3115.84,,,True,none,independent_broker,True,False,False,0.001812,0.001375,SOA_2015_VBT,SOA_Scale_MP2023,0.818,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0392,False,normal_rate,2.95,2.94,False,False,False,False,False,0.819,69.6,55.0,super_preferred_longevity,100.0,baseline,0.927,0.758,True,100.0,True,-0.111,1996884.16,36211.93,33449.01,34236.96,8131.28,False,0,3.58,20.72
LI-2024-INS004-003345,2017-12-27,4,61,65,1956,female,never_smoker,23.3,66,144,WA,USA,single,high_school,light_blue_collar,338248.95,0.8631,full_paramedical,146,91,199,54,3.69,99,,False,63.5,,False,True,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,16,UW-391,1.5,term_life,500000,quarterly,4435.58,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.01346,0.02468,SOA_2015_VBT,SOA_Scale_MP2023,1.564,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00673,0.012,False,,1.0,True,2026-01-04,voluntary_surrender,4.0,0.07,0.0989,False,normal_rate,1.38,1.18,False,False,False,False,False,0.784,32.8,28.8,preferred_longevity,68.6,baseline,0.853,0.937,False,,False,,500000.0,35006.05,35694.13,35484.64,8427.6,False,0,1.28,8.44
LI-2024-INS004-003346,2009-07-13,16,48,64,1961,male,current_smoker,31.0,64,180,ND,USA,married,graduate,white_collar,30385.33,0.4939,simplified_issue,128,81,207,71,2.92,79,5.1,True,81.3,3.87,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-482,1.5,universal_life,100000,annual,706.0,,10yr_declining,804.97,,,False,none,captive_agent,False,False,False,0.032387,0.075971,SOA_2015_VBT,SOA_Scale_MP2023,1.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016193,0.015,False,,1.0,False,,,,0.04,0.0522,False,normal_rate,1.96,1.41,False,False,False,False,False,0.852,41.3,25.3,standard_longevity,57.9,baseline,1.13,0.428,False,,False,,99195.03,5583.78,5086.21,5648.0,1341.4,False,0,2.67,4.91
LI-2024-INS004-003347,2023-06-22,4,51,55,1972,male,never_smoker,23.5,72,173,ME,USA,divorced,graduate,white_collar,124485.15,0.6307,full_paramedical,124,80,209,66,3.17,77,,False,,2.04,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,15,UW-212,0.68,term_life,100000,annual,304.03,20.0,none,,,,False,none,bank,False,False,False,0.008025,0.005514,SOA_2015_VBT,SOA_Scale_MP2023,0.669,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0837,False,normal_rate,3.73,1.43,False,False,False,False,False,0.933,40.8,35.8,preferred_longevity,75.7,baseline,1.027,0.611,True,24.2,False,,100000.0,2620.59,2257.3,2432.24,577.66,False,0,4.01,31.7
LI-2024-INS004-003348,2008-01-13,19,79,98,1929,male,unknown,25.9,73,196,TN,USA,divorced,graduate,hazardous,46820.02,0.7618,non_med_guaranteed,140,82,231,46,5.02,84,5.3,False,42.5,3.78,False,False,True,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,4.42,5.0,True,False,False,False,26,UW-438,2.25,universal_life,250000,monthly,4660.67,,10yr_declining,6353.13,,,False,none,independent_broker,True,False,False,0.227755,0.811764,SOA_2015_VBT,SOA_Scale_MP2023,2.492,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.284694,0.012,False,,1.0,False,,,,0.04,0.0436,False,normal_rate,4.5,1.5,False,False,False,False,False,0.997,9.4,1.1,standard_longevity,35.6,baseline,0.929,0.768,True,68.6,False,,243646.87,1879.19,2065.78,2050.69,15902.21,False,0,1.81,-13.34
LI-2024-INS004-003349,2002-08-25,14,67,81,1935,male,never_smoker,27.5,69,186,IN,USA,divorced,less_than_hs,professional,106423.93,0.1158,accelerated_UW,145,86,202,47,4.3,133,5.2,False,102.6,5.06,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,14,UW-025,2.0,whole_life,2000000,monthly,28081.13,,none,31168.45,,,True,facultative,captive_agent,False,False,False,0.065033,0.256925,SOA_2015_VBT,SOA_Scale_MP2023,2.088,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065033,0.005,False,,1.0,False,,,,0.015,0.0241,False,normal_rate,0.36,1.04,False,False,False,False,False,0.764,16.1,2.1,sub_standard_longevity,17.4,baseline,1.413,0.123,False,,False,,1968831.55,25342.7,20582.95,23588.15,93566.32,False,0,3.51,-8.29
LI-2024-INS004-003350,2000-09-23,21,37,58,1963,male,never_smoker,22.0,63,123,CT,USA,married,high_school,white_collar,44771.69,0.9056,simplified_issue,122,71,207,55,3.76,100,,False,66.0,10.78,False,False,False,False,False,none,,none,none,none,2,False,True,True,True,True,substandard_table_2,,2.0,False,False,False,False,30,UW-112,1.5,indexed_ul,500000,quarterly,3999.5,,15yr_declining,5865.02,,,False,none,independent_broker,False,False,False,0.01,0.019315,SOA_2015_VBT,SOA_Scale_MP2023,1.744,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005,0.015,False,,1.0,False,,,,0.04,0.039,False,normal_rate,3.63,2.8,False,False,False,False,False,0.828,54.3,32.8,preferred_longevity,75.3,baseline,0.821,1.0,True,28.3,False,,494134.98,31268.64,31047.78,31996.0,7599.05,False,0,5.2,9.68
LI-2024-INS004-003351,2015-12-07,3,34,37,1981,female,never_smoker,29.5,62,161,KY,USA,married,less_than_hs,light_blue_collar,20000.0,0.7652,limited_exam,127,78,161,49,3.29,94,,False,99.9,,True,False,False,False,False,none,,none,none,schizophrenia,0,True,False,False,False,False,substandard_table_5,2.33,5.0,True,False,False,False,27,UW-362,2.25,term_life,500000,monthly,3483.53,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001707,0.005915,SOA_2015_VBT,SOA_Scale_MP2023,2.391,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,False,,1.0,True,2025-10-28,non_payment,3.0,0.07,0.1066,False,normal_rate,4.46,2.85,False,False,False,False,False,0.97,63.8,55.0,super_preferred_longevity,100.0,baseline,0.926,0.841,False,,False,,500000.0,30480.94,24224.26,27868.24,6618.71,False,0,-0.61,-16.05
LI-2024-INS004-003352,2010-02-06,8,56,64,1954,female,never_smoker,33.1,60,169,NM,USA,married,bachelors,professional,20000.0,0.1919,simplified_issue,147,84,247,42,5.88,133,5.3,False,90.8,,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,49,UW-272,2.5,term_life,2000000,monthly,24778.96,25.0,none,,,,True,quota_share,bank,False,False,False,0.012051,0.061496,SOA_2015_VBT,SOA_Scale_MP2023,2.657,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018076,0.012,False,,1.0,False,,,,0.05,0.0773,False,normal_rate,4.13,0.75,False,False,False,False,False,0.757,34.8,27.7,standard_longevity,56.9,baseline,1.356,0.197,False,,True,0.61,2000000.0,203142.62,199557.38,198231.68,47080.02,False,0,3.44,-20.0
LI-2024-INS004-003353,2023-05-27,4,32,36,1991,male,never_smoker,30.9,71,221,MN,USA,married,high_school,light_blue_collar,62910.86,0.6996,full_paramedical,109,64,153,55,2.78,119,4.5,False,90.3,,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,standard_plus,,,False,False,False,False,14,UW-237,0.92,universal_life,250000,annual,629.08,,10yr_declining,460.88,,,False,none,captive_agent,False,False,False,0.00201,0.001823,SOA_2015_VBT,SOA_Scale_MP2023,0.93,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0411,False,normal_rate,2.64,0.57,False,False,False,False,False,0.849,66.2,55.0,super_preferred_longevity,100.0,baseline,0.975,0.918,False,,False,,249539.12,4783.78,4810.37,5032.64,1195.25,False,0,2.59,18.94
LI-2024-INS004-003354,2021-03-26,2,56,58,1965,female,former_smoker,31.7,59,156,RI,USA,married,bachelors,white_collar,48493.44,0.6259,full_paramedical,118,73,201,63,3.19,97,,False,104.1,,False,True,False,False,True,breast,0.0,none,none,none,6,False,False,False,False,True,standard,,,False,True,False,False,40,UW-455,1.0,whole_life,250000,quarterly,1261.35,,none,807.07,,,False,none,independent_broker,False,False,False,0.010719,0.014505,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00276,1.0,False,,,,0.04,0.048,False,normal_rate,3.63,2.35,False,False,False,False,False,0.898,38.5,36.5,preferred_longevity,76.6,baseline,1.031,0.735,False,,False,,249192.93,9756.48,10074.61,10090.8,2396.56,False,0,6.52,15.18
LI-2024-INS004-003355,2024-12-22,3,70,73,1954,female,never_smoker,28.1,65,169,NH,USA,married,bachelors,professional,83220.47,0.9469,full_paramedical,131,73,216,65,3.32,115,5.6,False,55.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,preferred_plus,,,False,False,False,False,30,UW-375,0.57,whole_life,1000000,semi_annual,3249.05,,none,2133.21,,,True,coinsurance,worksite,False,False,False,0.026382,0.01244,SOA_2015_VBT,SOA_Scale_MP2023,0.597,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0377,False,normal_rate,4.46,2.39,False,True,False,False,False,0.945,23.8,20.8,standard_longevity,57.9,baseline,0.79,0.974,False,,False,,997866.79,27389.29,24086.71,25992.4,6173.2,False,0,4.03,38.64
LI-2024-INS004-003356,2010-09-02,4,52,56,1958,male,never_smoker,29.2,71,209,MI,USA,single,bachelors,white_collar,42775.9,0.4326,full_paramedical,121,76,231,37,6.24,91,,False,88.5,3.95,False,False,False,False,False,none,,none,none,none,0,False,True,False,True,True,substandard_table_2,,2.0,False,False,False,False,36,UW-341,1.5,indexed_ul,2000000,quarterly,12952.46,,15yr_declining,8963.93,,,True,coinsurance,direct_to_consumer,False,False,False,0.008012,0.019867,SOA_2015_VBT,SOA_Scale_MP2023,1.684,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004006,0.012,False,,1.0,False,,,,0.08,0.0682,False,normal_rate,3.97,2.57,False,False,False,False,False,0.964,36.4,32.4,preferred_longevity,67.6,baseline,1.176,0.548,False,,False,,1991036.07,102757.54,101995.16,103619.68,24609.67,False,0,-0.28,4.16
LI-2024-INS004-003357,2000-03-07,26,51,77,1949,female,former_smoker,23.7,67,151,LA,USA,widowed,bachelors,professional,37135.76,0.7589,accelerated_UW,122,70,227,57,3.98,98,,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,True,26,UW-104,0.78,whole_life,1000000,quarterly,4733.32,,none,8063.4,,,True,none,independent_broker,False,False,False,0.048842,0.036052,SOA_2015_VBT,SOA_Scale_MP2023,0.793,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.015,0.0164,False,normal_rate,5.8,2.38,False,False,False,False,False,0.98,41.0,15.0,standard_longevity,46.4,baseline,0.931,0.963,False,,False,,991936.6,29776.99,28679.2,28399.92,10886.64,False,0,4.3,26.17
LI-2024-INS004-003358,2001-12-12,1,57,58,1944,male,never_smoker,32.1,72,236,NH,USA,single,high_school,light_blue_collar,69775.13,0.6093,full_paramedical,159,95,238,47,5.06,92,5.8,False,95.2,5.65,False,False,True,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,,,False,True,False,False,22,UW-220,1.0,term_life,1000000,monthly,5259.08,15.0,none,,,,True,none,bank,False,False,False,0.008707,0.009772,SOA_2015_VBT,SOA_Scale_MP2023,1.076,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.1,0.1213,False,normal_rate,5.07,1.68,False,False,False,False,False,0.825,32.7,31.7,preferred_longevity,79.2,baseline,1.043,0.676,False,,False,,1000000.0,45667.93,40696.38,42072.64,9992.25,False,0,2.06,21.16
LI-2024-INS004-003359,2019-05-22,4,41,45,1978,female,current_smoker,27.6,70,192,MD,USA,single,some_college,white_collar,22984.2,0.5392,accelerated_UW,134,85,272,58,4.69,87,,True,71.3,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,True,False,True,substandard_table_7,,7.0,False,False,False,True,53,UW-486,2.75,term_life,100000,monthly,1079.31,20.0,none,,,,False,none,independent_broker,False,False,False,0.00586,0.029372,SOA_2015_VBT,SOA_Scale_MP2023,2.978,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010254,0.018,False,,1.0,False,,,,0.07,0.0888,False,normal_rate,3.76,2.41,False,False,False,False,False,0.828,55.3,51.3,super_preferred_longevity,97.5,baseline,1.096,0.466,False,,False,,100000.0,9109.29,7953.67,8634.48,2050.69,False,0,-0.96,-20.0
LI-2024-INS004-003360,2023-04-21,1,33,34,1990,female,never_smoker,21.6,72,159,PA,USA,divorced,high_school,white_collar,64764.26,0.6992,limited_exam,98,56,177,35,5.06,108,,False,104.0,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,54,UW-264,1.25,group_life,1000000,monthly,4050.62,,none,,,,True,none,independent_broker,False,False,False,0.001434,0.002362,SOA_2015_VBT,SOA_Scale_MP2023,1.432,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.022,False,,1.0,False,,,,0.18,0.2053,False,normal_rate,3.29,2.36,False,False,False,False,False,0.978,66.1,53.9,super_preferred_longevity,100.0,baseline,0.976,0.634,True,26.4,False,,1000000.0,33991.3,31863.89,32404.96,7696.18,False,0,2.57,17.67
LI-2024-INS004-003361,2021-10-14,3,21,24,2000,female,current_smoker,27.4,66,170,CT,USA,single,bachelors,heavy_blue_collar,81165.4,0.7022,full_paramedical,97,55,216,62,3.48,87,5.5,True,114.6,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,0.63,2.0,False,False,False,False,22,UW-391,1.5,universal_life,1000000,monthly,3264.2,,15yr_declining,2340.59,,,True,none,independent_broker,False,False,False,0.001825,0.007129,SOA_2015_VBT,SOA_Scale_MP2023,1.667,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000913,0.012,True,0.00326,1.0,False,,,,0.08,0.041,False,normal_rate,4.13,2.9,False,False,False,False,False,0.94,70.0,55.0,super_preferred_longevity,100.0,baseline,0.973,0.783,False,,False,,997659.41,25685.1,23264.5,26113.6,6201.98,False,0,1.44,8.01
LI-2024-INS004-003362,2012-09-09,11,58,69,1954,female,former_smoker,17.0,58,90,IL,USA,widowed,bachelors,heavy_blue_collar,119318.81,0.7343,full_paramedical,111,71,194,51,3.8,69,5.3,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,1.5,,False,False,False,False,7,UW-037,0.78,term_life,1000000,monthly,4587.25,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.024183,0.017654,SOA_2015_VBT,SOA_Scale_MP2023,0.769,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0334,False,normal_rate,2.73,1.05,False,False,False,False,False,0.811,35.0,24.0,standard_longevity,59.5,baseline,0.949,0.718,False,,False,,1000000.0,36363.68,38478.93,36698.0,8715.77,False,0,3.98,27.31
LI-2024-INS004-003363,2014-02-10,13,70,83,1944,female,never_smoker,29.3,59,145,MI,USA,widowed,bachelors,white_collar,42297.26,0.7129,full_paramedical,132,83,213,68,3.13,108,5.2,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,,,False,False,False,False,3,UW-095,1.06,term_life,2000000,monthly,14236.62,15.0,none,,,,True,quota_share,bank,False,False,False,0.060694,0.067504,SOA_2015_VBT,SOA_Scale_MP2023,1.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003642,0.008,False,,1.0,False,,,,0.03,0.0339,False,normal_rate,3.05,2.91,False,False,False,True,False,0.811,21.1,8.1,standard_longevity,35.3,baseline,0.965,0.653,False,,False,,2000000.0,49738.79,45219.15,46126.65,40602.84,False,0,3.48,20.77
LI-2024-INS004-003364,2014-01-15,1,27,28,1987,male,former_smoker,26.4,63,149,MA,USA,married,high_school,white_collar,79553.2,0.6748,full_paramedical,142,82,150,53,2.83,107,5.1,False,86.1,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-365,1.25,term_life,1000000,monthly,2695.29,20.0,none,,,,True,none,employer_group,True,False,False,0.001734,0.002975,SOA_2015_VBT,SOA_Scale_MP2023,1.475,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000433,0.02,False,,1.0,False,,,,0.1,0.1392,False,normal_rate,3.51,0.53,False,False,False,False,False,0.876,67.3,57.6,super_preferred_longevity,100.0,baseline,0.994,0.618,True,48.5,False,,1000000.0,20543.39,22139.27,21562.32,5121.05,False,0,1.37,15.21
LI-2024-INS004-003365,2000-12-05,4,69,73,1931,male,never_smoker,22.7,67,144,TN,USA,married,bachelors,light_blue_collar,81273.85,0.3784,simplified_issue,111,60,130,73,1.78,93,4.9,True,58.0,18.93,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-261,2.0,term_life,250000,annual,2740.45,15.0,none,,,,False,none,direct_to_consumer,True,False,False,0.063518,0.230612,SOA_2015_VBT,SOA_Scale_MP2023,2.163,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.063518,0.005,False,,1.0,False,,,,0.07,0.1369,False,normal_rate,3.67,1.53,False,False,False,False,True,0.918,14.6,11.8,standard_longevity,35.9,baseline,1.216,0.313,True,67.6,False,,250000.0,12416.81,12097.27,12934.92,7004.59,False,0,0.17,-5.9
LI-2024-INS004-003366,2004-06-08,21,70,91,1934,male,never_smoker,24.2,65,145,CO,USA,single,some_college,professional,24534.71,0.196,full_paramedical,131,79,236,48,4.92,83,,False,70.9,7.38,False,False,True,False,True,colorectal,5.0,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,56,UW-209,1.25,universal_life,100000,monthly,1057.02,,10yr_declining,1465.29,,,False,none,captive_agent,False,False,False,0.150782,0.316983,SOA_2015_VBT,SOA_Scale_MP2023,1.369,cardiovascular,True,2017-12-01,False,False,1162616.9,0.0007,5e-05,1.095,0.037696,0.005,False,,1.0,False,,,,0.04,0.0617,False,normal_rate,1.87,1.98,False,False,False,False,False,0.815,16.3,1.0,sub_standard_longevity,26.9,baseline,1.353,0.235,False,,False,,98534.71,389.85,384.86,422.81,3615.01,False,0,0.43,10.94
LI-2024-INS004-003367,2000-08-18,26,28,54,1972,male,former_smoker,20.8,60,106,ND,USA,married,bachelors,hazardous,170070.35,0.6163,accelerated_UW,132,77,194,51,3.8,95,,False,,5.05,False,False,False,False,False,none,,none,none,depression,10,False,False,False,True,True,substandard_table_1,2.86,1.0,True,False,False,True,31,UW-432,1.25,indexed_ul,1000000,monthly,6145.91,,10yr_declining,10488.82,,,True,coinsurance,independent_broker,False,False,False,0.00961,0.015357,SOA_2015_VBT,SOA_Scale_MP2023,1.299,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002402,0.018,False,,1.0,False,,,,0.04,0.0483,False,normal_rate,3.83,1.61,False,False,False,False,False,0.991,63.7,37.7,preferred_longevity,78.3,baseline,1.038,0.787,False,,False,,989511.18,48863.04,42402.36,49167.28,11677.23,False,0,5.51,13.22
LI-2024-INS004-003368,2009-05-03,17,24,41,1985,male,never_smoker,34.1,75,272,OK,USA,married,bachelors,light_blue_collar,388264.16,0.6448,full_paramedical,156,91,259,47,5.51,83,5.6,False,105.4,1.1,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-463,2.0,whole_life,500000,monthly,3722.54,,none,4410.67,,,False,none,bank,False,False,False,0.002761,0.008574,SOA_2015_VBT,SOA_Scale_MP2023,2.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,False,,1.0,False,,,,0.015,0.0178,False,normal_rate,2.96,2.25,False,False,False,False,False,0.796,69.9,52.9,super_preferred_longevity,100.0,baseline,1.016,0.626,False,,False,,495589.33,29311.68,29880.95,29780.32,7072.83,False,0,-1.09,-7.31
LI-2024-INS004-003369,2003-08-24,15,61,76,1942,female,never_smoker,28.5,71,204,KS,USA,married,high_school,white_collar,241027.24,0.5593,limited_exam,137,88,226,39,5.79,122,5.1,False,65.8,,True,False,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-316,2.25,indexed_ul,250000,monthly,3827.36,,10yr_declining,4451.81,,,False,none,captive_agent,False,False,False,0.03255,0.121651,SOA_2015_VBT,SOA_Scale_MP2023,2.302,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.040688,0.008,False,,1.0,False,,,,0.04,0.0501,False,normal_rate,2.9,2.42,False,False,False,False,False,0.855,29.2,15.9,standard_longevity,44.7,baseline,1.081,0.608,False,,True,1.151,245548.19,22631.83,24313.42,24342.01,8527.36,False,0,4.51,-14.7
LI-2024-INS004-003370,2009-08-20,1,60,61,1949,female,former_smoker,39.6,72,292,GA,USA,married,some_college,professional,134817.89,0.3049,full_paramedical,158,99,265,37,7.16,120,8.4,False,81.8,,False,True,False,False,False,none,,type_2,none,bipolar,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,33,UW-484,2.25,term_life,250000,monthly,3085.1,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.012158,0.050766,SOA_2015_VBT,SOA_Scale_MP2023,2.301,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015198,0.008,False,,1.0,False,,,,0.1,0.2039,False,normal_rate,3.35,1.5,False,False,False,False,False,0.992,30.2,29.2,preferred_longevity,60.9,baseline,1.271,0.358,False,,False,,250000.0,23652.01,21709.99,24680.8,5861.69,False,0,0.45,-9.44
LI-2024-INS004-003371,2023-01-28,3,75,78,1948,male,never_smoker,32.4,69,219,AR,USA,married,bachelors,white_collar,26301.97,0.9272,full_paramedical,144,90,281,41,6.85,68,5.4,False,,6.4,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-154,2.25,term_life,2000000,quarterly,26522.12,10.0,none,,,,True,quota_share,worksite,False,False,False,0.050827,0.164463,SOA_2015_VBT,SOA_Scale_MP2023,2.468,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.063534,0.008,False,,1.0,False,,,,0.07,0.0671,False,normal_rate,3.39,2.99,True,False,False,False,False,0.796,16.5,13.5,standard_longevity,56.7,baseline,0.805,0.848,False,,False,,2000000.0,143648.45,134431.94,143219.45,64183.53,False,0,-0.31,-17.48
LI-2024-INS004-003372,2019-10-21,8,45,53,1974,male,never_smoker,24.9,74,193,VT,USA,married,high_school,white_collar,140390.59,0.6879,limited_exam,112,76,199,55,3.62,68,,False,62.4,1.32,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,standard,,,False,True,False,False,23,UW-387,1.0,annuity_deferred,2000000,monthly,8959.78,,none,7957.27,,,True,none,independent_broker,False,False,False,0.006813,0.007315,SOA_2015_VBT,SOA_Scale_MP2023,1.091,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.023,False,normal_rate,5.45,2.04,False,False,False,False,False,0.783,47.3,39.3,super_preferred_longevity,81.8,baseline,0.984,0.678,False,,False,,1992042.73,69651.57,73544.02,71678.24,17023.58,False,0,2.59,20.64
LI-2024-INS004-003373,2019-10-26,1,62,63,1957,female,current_smoker,26.0,71,186,LA,USA,widowed,some_college,light_blue_collar,267505.1,0.5428,full_paramedical,121,85,207,44,4.7,78,4.7,True,,,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-494,1.5,universal_life,250000,monthly,2011.14,,15yr_declining,1339.14,,,False,none,employer_group,False,False,False,0.022926,0.053532,SOA_2015_VBT,SOA_Scale_MP2023,1.679,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011463,0.012,False,,1.0,False,,,,0.12,0.082,False,normal_rate,3.03,0.7,False,False,False,False,False,0.986,30.7,29.7,preferred_longevity,65.2,baseline,1.093,0.463,False,,False,,248660.86,17054.73,14706.25,16089.12,3821.17,False,0,-0.58,10.85
LI-2024-INS004-003374,2000-07-08,20,25,45,1975,female,never_smoker,31.7,62,173,VA,USA,divorced,some_college,heavy_blue_collar,75213.42,0.7271,full_paramedical,133,80,177,56,3.16,99,,False,80.1,,True,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,preferred,1.12,,False,False,False,False,27,UW-012,0.82,term_life,500000,monthly,1372.0,15.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.00293,0.002285,SOA_2015_VBT,SOA_Scale_MP2023,0.817,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.047,False,normal_rate,2.59,2.65,False,False,False,False,False,0.879,70.0,50.0,super_preferred_longevity,98.4,baseline,0.955,0.674,False,,False,,500000.0,10706.23,10581.93,10976.0,2606.8,False,0,2.72,24.88
LI-2024-INS004-003375,2007-10-21,20,45,65,1962,female,never_smoker,32.1,68,211,IL,USA,married,bachelors,white_collar,104894.75,0.5755,limited_exam,138,78,220,39,5.64,95,5.9,False,,,False,False,False,False,True,breast,5.2,none,none,depression,0,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,21,UW-211,1.25,universal_life,500000,monthly,3415.98,,10yr_declining,4802.08,,,False,none,employer_group,False,False,False,0.01434,0.026489,SOA_2015_VBT,SOA_Scale_MP2023,1.495,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003585,0.015,False,,1.0,False,,,,0.04,0.0595,False,normal_rate,3.54,1.97,False,False,False,False,False,0.888,48.8,28.8,preferred_longevity,64.3,baseline,1.068,0.362,False,,False,,495197.92,29768.74,26575.23,27327.84,6490.36,False,0,4.17,15.07
LI-2024-INS004-003376,2003-04-09,10,70,80,1933,female,never_smoker,21.6,71,155,DE,USA,single,bachelors,white_collar,177296.54,0.5811,full_paramedical,125,79,201,69,2.91,65,,False,71.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,15,UW-184,0.96,universal_life,100000,annual,615.19,,15yr_declining,574.4,,,True,facultative,independent_broker,False,False,False,0.047236,0.04886,SOA_2015_VBT,SOA_Scale_MP2023,0.972,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.06,0.0333,False,normal_rate,4.72,1.33,False,False,False,False,False,0.84,18.7,8.7,sub_standard_longevity,34.3,baseline,1.064,0.55,False,,False,,99425.6,2014.69,1956.95,2140.86,1724.99,False,0,5.37,25.27
LI-2024-INS004-003377,2009-04-15,11,42,53,1967,male,current_smoker,28.3,71,202,NM,USA,divorced,bachelors,light_blue_collar,20000.0,0.5668,full_paramedical,138,72,169,41,4.12,88,,True,88.2,0.84,False,False,True,False,False,none,,none,none,schizophrenia,4,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,18,UW-160,2.75,term_life,250000,quarterly,3351.04,30.0,none,,,,False,none,independent_broker,False,False,False,0.013626,0.065077,SOA_2015_VBT,SOA_Scale_MP2023,2.815,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023846,0.015,False,,1.0,False,,,,0.03,0.0374,False,normal_rate,3.16,2.88,False,False,False,False,False,0.758,51.5,42.7,super_preferred_longevity,95.1,baseline,1.075,0.551,True,50.6,False,,250000.0,24960.98,27802.31,26808.32,6366.98,False,0,-2.16,-20.0
LI-2024-INS004-003378,2021-12-22,1,38,39,1983,female,never_smoker,22.7,69,154,NE,USA,married,graduate,professional,58662.01,0.6909,full_paramedical,99,60,212,48,4.42,73,5.5,False,76.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,18,UW-368,1.0,term_life,1000000,annual,3566.63,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001936,0.004725,SOA_2015_VBT,SOA_Scale_MP2023,1.022,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00278,1.0,False,,,,0.1,0.1147,False,normal_rate,1.33,2.72,False,False,False,False,False,0.824,59.8,55.0,super_preferred_longevity,100.0,baseline,0.982,0.804,False,,False,,1000000.0,26967.74,27588.77,28533.04,6776.6,False,0,3.06,18.38
LI-2024-INS004-003379,2002-01-03,12,54,66,1948,female,never_smoker,21.6,58,103,MS,USA,divorced,bachelors,white_collar,124067.76,0.7647,full_paramedical,106,68,198,57,3.47,86,,False,87.1,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-117,1.25,group_life,250000,annual,1962.41,,none,,,,False,none,independent_broker,False,False,False,0.014275,0.020907,SOA_2015_VBT,SOA_Scale_MP2023,1.311,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003569,0.008,False,,1.0,False,,,,0.1,0.1088,False,normal_rate,2.45,0.6,False,False,False,False,False,0.863,37.9,25.9,preferred_longevity,62.8,baseline,0.926,0.821,False,,False,,250000.0,15236.35,14547.45,15699.28,3728.58,False,0,3.89,12.62
LI-2024-INS004-003380,2001-05-08,6,46,52,1955,male,never_smoker,28.0,61,148,PA,USA,single,bachelors,professional,20000.0,0.5154,accelerated_UW,132,80,216,45,4.8,102,,False,,1.04,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,True,29,UW-034,0.65,term_life,500000,semi_annual,1329.11,20.0,none,,,,False,none,bank,False,False,False,0.00557,0.003746,SOA_2015_VBT,SOA_Scale_MP2023,0.604,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0644,False,normal_rate,4.43,0.97,False,False,False,False,False,0.751,42.3,36.3,preferred_longevity,74.7,baseline,1.113,0.6,False,,False,,500000.0,10978.39,9329.57,10632.88,2525.31,False,0,3.95,27.99
LI-2024-INS004-003381,2009-03-21,2,43,45,1966,female,never_smoker,21.3,69,143,NM,USA,married,high_school,light_blue_collar,31582.31,0.1919,non_med_guaranteed,111,74,197,47,4.19,74,5.6,False,,,False,False,True,False,False,none,,none,none,depression,3,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,44,UW-447,1.25,universal_life,1000000,quarterly,5331.48,,10yr_declining,3559.17,,,True,quota_share,captive_agent,False,False,False,0.00293,0.006573,SOA_2015_VBT,SOA_Scale_MP2023,1.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000732,0.015,False,,1.0,False,,,,0.08,0.0779,False,normal_rate,5.96,2.51,False,False,False,False,False,0.97,52.9,50.9,super_preferred_longevity,100.0,baseline,1.356,0.157,False,,False,,996440.83,45716.12,37654.25,42651.84,10129.81,False,0,2.86,14.69
LI-2024-INS004-003382,2010-04-02,13,70,83,1940,male,never_smoker,32.5,61,172,NE,USA,divorced,high_school,professional,50588.68,0.2044,full_paramedical,155,95,297,31,9.58,102,4.6,False,,7.03,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,29,UW-018,1.75,term_life,2000000,monthly,24101.68,25.0,none,,,,True,none,captive_agent,False,False,False,0.073469,0.249817,SOA_2015_VBT,SOA_Scale_MP2023,1.968,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055102,0.008,False,,1.0,False,,,,0.03,0.0461,False,normal_rate,3.1,1.8,False,False,False,False,False,0.97,14.5,1.6,sub_standard_longevity,18.0,baseline,1.347,0.256,True,52.8,False,,2000000.0,14870.43,14281.53,15425.08,81270.86,False,0,-0.69,-6.12
LI-2024-INS004-003383,2024-09-25,2,45,47,1979,female,former_smoker,33.9,64,197,CT,USA,married,bachelors,white_collar,163855.67,0.7897,limited_exam,135,89,179,43,4.16,76,5.3,False,,,False,False,True,False,False,none,,none,none,schizophrenia,3,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,32,UW-018,2.25,term_life,1000000,monthly,7716.75,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.004421,0.014988,SOA_2015_VBT,SOA_Scale_MP2023,2.358,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005526,0.018,False,,1.0,True,2025-11-14,non_payment,2.0,0.07,0.0897,False,normal_rate,3.66,2.38,False,False,False,False,False,0.772,55.4,56.8,super_preferred_longevity,100.0,baseline,0.908,0.837,True,53.5,False,,1000000.0,57928.88,63263.82,61734.0,14661.82,False,0,2.09,-14.28
LI-2024-INS004-003384,2004-12-03,18,58,76,1946,female,never_smoker,28.8,59,142,NC,USA,divorced,less_than_hs,white_collar,21049.73,0.4162,non_med_guaranteed,123,84,236,43,5.49,84,,False,,,True,False,False,True,False,none,,none,none,depression,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,31,UW-160,2.5,whole_life,2000000,semi_annual,35565.8,,none,45596.98,,,True,none,bank,False,False,False,0.033613,0.151195,SOA_2015_VBT,SOA_Scale_MP2023,2.524,cardiovascular,True,2021-09-29,False,False,986766.18,0.0007,5e-05,1.095,0.050419,0.008,False,,1.0,False,,,,0.015,0.0205,False,normal_rate,2.33,2.76,False,False,False,False,False,0.878,32.2,14.2,standard_longevity,40.0,baseline,1.188,0.559,False,,False,,1954403.02,211339.45,205101.12,202013.74,84077.55,False,0,1.97,-19.12
LI-2024-INS004-003385,2003-10-23,22,68,90,1935,female,former_smoker,29.6,71,212,WV,USA,single,graduate,white_collar,20000.0,0.1166,full_paramedical,140,79,258,54,4.78,84,,False,,,False,False,False,True,False,none,,none,none,depression,7,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,37,UW-203,2.5,term_life,1000000,monthly,19111.74,30.0,none,,,,True,quota_share,bank,False,False,False,0.145151,0.73236,SOA_2015_VBT,SOA_Scale_MP2023,2.51,cardiovascular,True,2022-01-04,False,False,814354.04,0.0007,5e-05,1.095,0.217727,0.005,False,,1.0,False,,,,0.03,0.0482,False,normal_rate,4.29,2.11,False,False,False,False,False,0.988,19.1,1.2,sub_standard_longevity,16.0,baseline,1.413,0.186,True,92.2,False,,1000000.0,9143.78,9584.16,9173.64,65056.36,False,0,3.88,-15.05
LI-2024-INS004-003386,2015-09-01,1,21,22,1994,male,former_smoker,24.0,70,167,VA,USA,married,bachelors,heavy_blue_collar,195695.56,0.5959,accelerated_UW,117,70,258,45,5.73,72,4.9,False,98.3,,False,False,False,False,True,prostate,3.6,none,none,schizophrenia,9,False,False,False,True,True,substandard_table_5,1.06,5.0,False,False,False,True,25,UW-288,2.25,indexed_ul,1000000,monthly,4579.31,,15yr_declining,2962.59,,,True,none,independent_broker,False,False,False,0.001388,0.005133,SOA_2015_VBT,SOA_Scale_MP2023,2.325,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001735,0.022,False,,1.0,False,,,,0.11,0.0606,False,normal_rate,3.43,1.78,False,False,False,False,False,0.956,70.0,55.0,super_preferred_longevity,100.0,baseline,1.053,0.546,False,,False,,997037.41,35321.34,33362.09,36634.48,8700.69,False,0,3.33,-10.55
LI-2024-INS004-003387,2007-07-18,13,73,86,1934,female,never_smoker,29.1,66,180,OR,USA,divorced,some_college,professional,119961.17,0.4801,accelerated_UW,138,94,225,55,4.09,114,5.4,False,73.1,,False,False,False,False,True,melanoma,13.1,none,none,none,5,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,True,36,UW-106,1.5,universal_life,250000,monthly,2529.72,,10yr_declining,2682.37,,,False,none,captive_agent,False,False,False,0.079462,0.184206,SOA_2015_VBT,SOA_Scale_MP2023,1.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039731,0.005,False,,1.0,False,,,,0.04,0.0526,False,normal_rate,4.13,2.88,False,False,False,False,False,0.751,15.4,2.4,sub_standard_longevity,23.3,baseline,1.14,0.419,False,,False,,247317.63,2509.03,2489.31,2428.53,8368.31,False,0,2.32,-1.45
LI-2024-INS004-003388,2019-10-02,5,18,23,2001,female,never_smoker,27.1,61,143,MT,USA,divorced,high_school,white_collar,218837.72,0.5596,accelerated_UW,106,58,215,53,4.06,117,,False,105.1,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard,,,False,False,False,True,4,UW-451,1.09,universal_life,500000,monthly,1014.21,,15yr_declining,707.92,,,False,none,employer_group,False,False,False,0.000882,0.001043,SOA_2015_VBT,SOA_Scale_MP2023,1.011,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,7.9e-05,0.012,False,,1.0,False,,,,0.08,0.0541,False,normal_rate,4.26,1.75,False,False,False,False,False,0.842,70.0,55.0,super_preferred_longevity,100.0,baseline,1.08,0.905,False,,False,,499292.08,8527.47,7116.19,8113.68,1927.0,False,0,7.11,16.9
LI-2024-INS004-003389,2015-05-24,8,62,70,1953,female,never_smoker,21.5,59,106,CA,USA,single,graduate,professional,32496.74,0.8226,limited_exam,125,88,230,61,3.77,90,5.4,False,54.4,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-086,1.25,whole_life,1000000,monthly,6309.89,,none,5518.99,,,True,quota_share,worksite,False,False,False,0.020055,0.029772,SOA_2015_VBT,SOA_Scale_MP2023,1.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005014,0.012,False,,1.0,False,,,,0.02,0.0208,False,normal_rate,3.74,1.12,False,False,False,True,False,0.793,31.2,23.2,standard_longevity,59.6,baseline,0.883,0.711,False,,False,,994481.01,52173.81,46628.86,50479.12,11988.79,False,0,3.86,11.15
LI-2024-INS004-003390,2011-05-06,14,22,36,1989,male,never_smoker,21.4,62,117,MS,USA,married,bachelors,white_collar,35516.85,0.5135,accelerated_UW,128,68,167,42,3.98,68,,False,105.6,,False,False,False,False,False,none,,none,none,none,7,False,False,False,True,True,preferred_plus,,,False,False,False,True,48,UW-125,0.7,term_life,1000000,semi_annual,1844.51,20.0,none,,,,True,none,independent_broker,False,False,False,0.00201,0.001326,SOA_2015_VBT,SOA_Scale_MP2023,0.592,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0387,False,normal_rate,3.2,2.64,False,False,False,False,False,0.919,70.0,55.0,super_preferred_longevity,100.0,baseline,1.115,0.56,False,,False,,1000000.0,14926.3,15436.5,14756.08,3504.57,False,0,4.56,29.16
LI-2024-INS004-003391,2002-01-13,23,55,78,1947,female,never_smoker,20.4,61,107,MD,USA,single,high_school,white_collar,34595.58,0.3126,limited_exam,135,88,205,48,4.27,96,5.8,False,63.4,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-130,1.25,term_life,100000,quarterly,752.39,25.0,none,,,,False,none,captive_agent,False,False,False,0.040336,0.083695,SOA_2015_VBT,SOA_Scale_MP2023,1.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010084,0.008,False,,1.0,False,,,,0.03,0.0435,False,normal_rate,4.64,1.28,False,False,False,False,False,0.894,34.9,11.9,standard_longevity,35.0,baseline,1.266,0.472,False,,False,,100000.0,3821.53,3420.33,3581.38,1917.09,False,0,0.17,7.64
LI-2024-INS004-003392,2004-10-24,13,50,63,1954,female,never_smoker,30.3,62,165,NM,USA,single,some_college,light_blue_collar,43374.76,0.8761,non_med_guaranteed,136,88,215,29,7.41,147,5.2,False,113.2,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-108,2.25,whole_life,500000,monthly,5785.75,,none,6115.35,,,False,none,direct_to_consumer,False,False,False,0.011055,0.036809,SOA_2015_VBT,SOA_Scale_MP2023,2.467,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013819,0.012,False,,1.0,False,,,,0.015,0.021,False,normal_rate,3.35,0.87,False,False,False,False,False,0.823,43.6,30.6,preferred_longevity,71.5,baseline,0.843,0.918,False,,False,,493884.65,45443.35,42220.84,46286.0,10992.92,False,0,1.99,-13.85
LI-2024-INS004-003393,2004-05-11,6,43,49,1961,female,never_smoker,30.3,67,193,MT,USA,married,graduate,white_collar,56961.3,0.5433,full_paramedical,127,77,222,35,6.34,73,5.0,False,71.6,,False,False,False,False,False,none,,none,none,none,15,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-096,1.5,group_life,500000,monthly,3184.43,,none,,,,False,none,direct_to_consumer,False,False,False,0.003732,0.008276,SOA_2015_VBT,SOA_Scale_MP2023,1.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001866,0.015,False,,1.0,False,,,,0.12,0.2126,False,normal_rate,4.26,2.4,False,False,False,False,False,0.934,50.5,47.5,super_preferred_longevity,91.9,baseline,1.093,0.703,True,54.7,False,,500000.0,24280.08,23172.78,25475.44,6050.42,False,0,2.54,7.88
LI-2024-INS004-003394,2001-05-05,22,59,81,1942,male,former_smoker,19.2,71,137,IA,USA,divorced,graduate,heavy_blue_collar,79239.71,0.8731,limited_exam,120,75,212,61,3.48,68,,False,68.1,3.89,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,1.23,1.0,False,False,False,False,25,UW-065,1.25,term_life,1000000,quarterly,7553.88,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.081688,0.121911,SOA_2015_VBT,SOA_Scale_MP2023,1.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020422,0.008,False,,1.0,False,,,,0.03,0.03,False,normal_rate,5.6,1.73,False,False,False,False,False,0.857,31.4,10.3,standard_longevity,51.0,baseline,0.845,0.77,False,,True,0.596,1000000.0,32885.92,29994.73,31121.99,20214.18,False,0,3.85,16.15
LI-2024-INS004-003395,2009-02-13,6,31,37,1978,male,current_smoker,21.4,76,176,IL,USA,widowed,bachelors,hazardous,91168.57,0.8727,simplified_issue,126,88,166,48,3.46,79,,True,85.2,,True,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_7,3.4,7.0,True,False,False,False,3,UW-473,2.75,term_life,250000,quarterly,2378.38,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.004268,0.017722,SOA_2015_VBT,SOA_Scale_MP2023,2.841,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00747,0.018,False,,1.0,False,,,,0.05,0.0701,False,normal_rate,2.1,1.1,False,False,False,False,False,0.963,62.6,55.0,super_preferred_longevity,100.0,baseline,0.845,0.726,False,,False,,250000.0,17692.8,17449.47,19027.04,4518.92,False,0,-0.77,-20.0
LI-2024-INS004-003396,2012-03-09,4,63,67,1949,female,never_smoker,20.9,63,118,OH,USA,married,high_school,professional,20000.0,0.6854,full_paramedical,132,86,260,62,4.19,71,5.5,False,68.1,,False,False,False,False,False,none,,none,none,anxiety,8,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-101,0.76,universal_life,250000,annual,1162.18,,15yr_declining,775.72,,,True,quota_share,independent_broker,False,False,False,0.015696,0.012582,SOA_2015_VBT,SOA_Scale_MP2023,0.813,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.08,0.0415,False,normal_rate,2.69,2.82,False,False,False,False,False,0.758,28.7,24.7,standard_longevity,59.8,baseline,0.986,0.682,False,,False,,249224.28,8533.75,8845.1,9297.44,2208.14,False,0,7.38,24.54
LI-2024-INS004-003397,2020-05-06,3,60,63,1960,female,current_smoker,26.5,66,164,GA,USA,divorced,graduate,white_collar,35183.48,0.8672,full_paramedical,153,94,200,68,2.94,87,,True,66.1,,False,False,False,True,False,none,,none,mild_gold_1,none,0,False,False,True,False,True,substandard_table_8,,8.0,False,False,False,False,33,UW-008,3.0,whole_life,1000000,monthly,16096.01,,none,11134.3,,,True,quota_share,independent_broker,False,False,False,0.023413,0.113389,SOA_2015_VBT,SOA_Scale_MP2023,3.248,respiratory,True,2020-11-30,True,False,196660.39,0.0007,5e-05,1.095,0.046826,0.015,True,0.00196,1.0,False,,,,0.04,0.0402,False,normal_rate,3.45,2.42,False,False,False,False,False,0.838,34.7,35.8,preferred_longevity,79.2,baseline,0.85,0.841,True,71.5,False,,988865.7,120041.33,132740.67,128768.08,30582.42,False,0,-3.43,-20.0
LI-2024-INS004-003398,2014-01-25,10,24,34,1990,male,former_smoker,30.0,68,197,NH,USA,single,bachelors,professional,42252.82,0.5045,full_paramedical,120,85,206,61,3.38,100,5.3,False,94.4,,False,True,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-310,0.85,term_life,500000,annual,1110.45,20.0,none,,,,False,none,employer_group,False,False,False,0.00233,0.002083,SOA_2015_VBT,SOA_Scale_MP2023,0.797,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.0778,False,normal_rate,3.24,1.32,False,False,False,False,False,0.878,70.0,55.0,super_preferred_longevity,100.0,baseline,1.122,0.545,False,,False,,500000.0,9005.07,8230.26,8883.6,2109.86,False,0,3.49,18.52
LI-2024-INS004-003399,2009-06-18,11,31,42,1978,male,never_smoker,28.9,66,179,HI,USA,divorced,some_college,white_collar,20000.0,0.9228,simplified_issue,147,91,226,45,5.02,112,5.1,False,91.8,0.95,True,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,57,UW-274,1.5,term_life,100000,quarterly,582.56,20.0,none,,,,False,none,independent_broker,False,False,False,0.002957,0.005117,SOA_2015_VBT,SOA_Scale_MP2023,1.523,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.018,False,,1.0,False,,,,0.03,0.0289,False,normal_rate,2.12,2.02,False,False,False,False,False,0.909,62.8,53.0,super_preferred_longevity,100.0,baseline,0.808,0.638,True,40.7,False,,100000.0,4955.45,4370.04,4660.48,1106.86,False,0,0.56,8.15
LI-2024-INS004-003400,2017-11-22,4,69,73,1948,female,former_smoker,29.6,69,200,AL,USA,single,high_school,professional,49421.49,0.6954,accelerated_UW,123,71,201,58,3.47,99,4.5,False,63.0,,True,False,False,False,False,none,,none,none,anxiety,3,False,False,False,True,True,preferred,,,False,False,False,True,35,UW-177,0.77,term_life,500000,quarterly,2367.53,15.0,none,,,,False,none,employer_group,False,False,False,0.034168,0.025575,SOA_2015_VBT,SOA_Scale_MP2023,0.765,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0961,False,normal_rate,3.46,2.35,False,False,False,False,False,0.791,22.6,18.6,standard_longevity,50.8,baseline,0.978,0.679,False,,False,,500000.0,18304.64,15083.75,17614.42,4763.47,False,0,4.31,21.43
LI-2024-INS004-003401,2018-02-14,4,42,46,1976,male,former_smoker,23.1,74,179,SC,USA,married,high_school,professional,66903.71,0.7573,full_paramedical,152,98,236,57,4.14,77,4.7,False,90.2,2.57,True,False,False,True,True,melanoma,1.3,none,none,substance_use_disorder,4,False,False,False,False,True,declined,,,False,False,True,False,24,UW-092,7.0,whole_life,250000,semi_annual,6177.63,,none,4546.62,,,False,none,bank,True,False,False,0.005126,0.064182,SOA_2015_VBT,SOA_Scale_MP2023,6.996,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030757,0.018,False,,1.0,False,,,,0.04,0.0438,False,normal_rate,4.12,2.65,False,False,False,False,True,0.948,50.9,46.9,super_preferred_longevity,94.2,baseline,0.932,0.7,False,,False,,245453.38,49239.27,47616.71,49421.04,11737.5,False,0,-5.0,-20.0
LI-2024-INS004-003402,2003-04-22,23,39,62,1964,female,never_smoker,29.5,59,146,AK,USA,married,high_school,professional,78606.99,0.3051,non_med_guaranteed,130,83,236,37,6.38,75,5.0,False,87.0,,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,34,UW-077,1.5,term_life,1000000,monthly,8670.08,25.0,none,,,,True,quota_share,employer_group,False,False,False,0.011412,0.027829,SOA_2015_VBT,SOA_Scale_MP2023,1.525,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005706,0.015,False,,1.0,False,,,,0.03,0.0524,False,normal_rate,2.94,2.52,True,False,False,False,False,0.769,54.0,31.0,preferred_longevity,63.6,baseline,1.271,0.354,False,,False,,1000000.0,66540.81,62636.01,69360.64,16473.15,False,0,4.14,4.71
LI-2024-INS004-003403,2015-02-06,12,62,74,1953,male,former_smoker,35.7,65,214,DE,USA,single,graduate,professional,76033.2,0.3406,full_paramedical,142,78,248,38,6.53,94,4.9,False,86.7,4.5,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-447,2.25,term_life,2000000,semi_annual,31147.59,30.0,none,,,,True,quota_share,bank,False,False,False,0.046224,0.192107,SOA_2015_VBT,SOA_Scale_MP2023,2.335,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.05778,0.012,False,,1.0,False,,,,0.03,0.0428,False,normal_rate,2.43,1.76,False,False,False,False,False,0.935,25.3,13.3,standard_longevity,37.6,baseline,1.245,0.408,False,,False,,2000000.0,173169.18,149037.98,165705.18,75875.53,False,0,1.2,-14.11
LI-2024-INS004-003404,2013-07-01,10,22,32,1991,male,never_smoker,15.5,69,105,GA,USA,married,some_college,white_collar,150131.44,0.6158,full_paramedical,128,85,167,87,1.92,92,,False,117.4,,False,True,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,declined,,,False,False,True,False,13,UW-346,7.0,annuity_deferred,1000000,quarterly,19987.48,,none,18778.72,13595.79,0.724,True,quota_share,worksite,False,False,False,0.001611,0.020188,SOA_2015_VBT,SOA_Scale_MP2023,6.29,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009667,0.022,False,,1.0,False,,,,0.02,0.0145,False,normal_rate,3.29,2.72,False,False,False,False,False,0.759,70.0,55.0,super_preferred_longevity,100.0,baseline,1.038,0.677,False,,False,,981221.28,144578.83,163872.81,159899.84,37976.21,False,0,-5.0,-20.0
LI-2024-INS004-003405,2014-11-13,12,29,41,1985,female,never_smoker,22.0,67,140,MT,USA,married,bachelors,professional,63853.05,0.618,full_paramedical,144,92,243,58,4.19,90,5.6,False,88.7,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-358,1.25,whole_life,1000000,monthly,3959.08,,none,3759.49,,,True,excess_of_loss,captive_agent,False,False,False,0.002209,0.003435,SOA_2015_VBT,SOA_Scale_MP2023,1.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000552,0.02,False,,1.0,False,,,,0.015,0.0181,False,normal_rate,0.67,1.66,False,False,False,False,False,0.794,68.8,55.0,super_preferred_longevity,100.0,baseline,1.036,0.508,False,,False,,996240.51,31336.67,32245.4,31672.64,7522.25,False,0,4.61,12.12
LI-2024-INS004-003406,2013-12-14,1,73,74,1940,female,former_smoker,23.1,69,156,IN,USA,married,high_school,white_collar,22304.31,0.4555,full_paramedical,129,72,242,59,4.1,68,,False,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,3,UW-247,0.82,whole_life,2000000,annual,11169.09,,none,7420.79,,,True,facultative,worksite,False,False,False,0.034967,0.033619,SOA_2015_VBT,SOA_Scale_MP2023,0.83,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0801,False,normal_rate,4.51,0.79,False,False,False,False,False,0.935,16.5,15.5,standard_longevity,42.6,baseline,1.158,0.406,False,,False,,1992579.21,71459.81,65639.07,69248.36,25242.14,False,0,5.22,21.13
LI-2024-INS004-003407,2024-06-12,3,30,33,1994,female,never_smoker,15.3,62,90,DE,USA,divorced,graduate,heavy_blue_collar,27675.41,0.6786,limited_exam,104,54,162,56,2.89,87,5.6,False,93.5,,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,declined,,,False,False,True,False,28,UW-335,7.0,term_life,250000,annual,4456.71,20.0,none,,,,False,none,employer_group,False,False,False,0.001358,0.017659,SOA_2015_VBT,SOA_Scale_MP2023,7.065,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008149,0.022,False,,1.0,False,,,,0.07,0.0972,False,normal_rate,3.6,2.69,False,False,False,False,False,0.954,70.0,57.2,super_preferred_longevity,100.0,baseline,0.991,0.516,True,46.1,False,,250000.0,38043.99,31830.25,35653.68,8467.75,False,0,-5.0,-20.0
LI-2024-INS004-003408,2007-10-20,6,67,73,1940,male,never_smoker,33.2,71,237,RI,USA,married,some_college,hazardous,20000.0,0.2633,accelerated_UW,138,84,246,32,7.69,108,6.2,False,69.2,1.93,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,3.02,4.0,True,False,False,True,23,UW-318,2.0,universal_life,5000000,quarterly,57416.1,,10yr_declining,42473.48,,,True,none,direct_to_consumer,False,False,False,0.030809,0.114759,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030809,0.008,False,,1.0,False,,,,0.06,0.0563,False,normal_rate,4.52,1.69,False,False,False,False,False,0.872,17.7,11.7,sub_standard_longevity,34.0,baseline,1.303,0.301,False,,False,,4957526.52,289395.65,261890.67,268707.35,147214.88,False,0,1.13,-14.76
LI-2024-INS004-003409,2018-11-15,6,58,64,1960,female,unknown,25.1,64,146,CA,USA,divorced,bachelors,hazardous,125134.39,0.466,full_paramedical,139,85,200,52,3.85,126,6.1,False,81.8,,True,False,False,False,False,none,,pre_diabetes,none,none,6,False,False,False,False,True,substandard_table_1,2.64,1.0,True,False,False,False,54,UW-297,1.25,whole_life,1000000,monthly,7380.64,,none,6038.61,,,True,none,direct_to_consumer,False,False,False,0.014674,0.026174,SOA_2015_VBT,SOA_Scale_MP2023,1.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003669,0.015,False,,1.0,False,,,,0.02,0.0372,False,normal_rate,4.33,1.61,False,False,False,False,False,0.787,35.1,29.1,preferred_longevity,63.1,baseline,1.151,0.395,False,,False,,993961.39,61800.77,51921.57,59045.12,14023.22,False,0,4.92,14.16
LI-2024-INS004-003410,2008-02-21,17,68,85,1940,male,never_smoker,35.2,69,238,WA,USA,single,high_school,professional,39272.88,0.6949,simplified_issue,153,92,239,35,6.83,110,6.5,False,57.5,9.12,False,False,True,True,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,42,UW-184,2.5,indexed_ul,250000,monthly,3867.85,,15yr_declining,4709.42,,,False,none,bank,False,False,False,0.087182,0.36357,SOA_2015_VBT,SOA_Scale_MP2023,2.728,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.130773,0.008,False,,1.0,False,,,,0.04,0.0458,False,normal_rate,2.4,1.26,False,False,False,False,False,0.838,21.4,4.4,standard_longevity,39.5,baseline,0.979,0.688,False,,False,,245290.58,7473.91,5984.17,6807.42,12175.99,False,0,-1.53,-20.0
LI-2024-INS004-003411,2014-07-12,3,39,42,1975,male,never_smoker,28.9,65,173,UT,USA,married,bachelors,light_blue_collar,20000.0,0.7325,full_paramedical,142,86,202,67,3.01,101,5.9,False,,1.85,False,False,True,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,standard,,,False,True,False,False,29,UW-214,1.0,universal_life,1000000,quarterly,3366.89,,15yr_declining,2188.69,,,True,quota_share,captive_agent,False,False,False,0.002957,0.002951,SOA_2015_VBT,SOA_Scale_MP2023,1.05,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0401,False,normal_rate,3.65,3.0,False,False,False,False,False,0.995,56.6,53.6,super_preferred_longevity,100.0,baseline,0.951,0.719,False,,False,,997811.31,26807.28,25747.03,26935.12,6397.09,False,0,-0.5,15.53
LI-2024-INS004-003412,2004-07-26,11,28,39,1976,male,never_smoker,16.1,76,132,MI,USA,widowed,graduate,white_collar,50884.87,0.6285,accelerated_UW,119,66,152,65,2.34,63,4.9,False,,,False,True,False,False,False,none,,none,none,none,11,False,False,False,True,True,preferred_plus,,,False,False,False,True,34,UW-062,0.59,term_life,500000,quarterly,966.98,25.0,none,,,,False,none,bank,False,False,False,0.002419,0.001523,SOA_2015_VBT,SOA_Scale_MP2023,0.612,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0359,False,normal_rate,2.0,2.23,False,False,False,False,False,0.836,64.4,55.0,super_preferred_longevity,100.0,baseline,1.029,0.593,True,66.0,True,-1.186,500000.0,7300.09,6844.14,7735.84,1837.26,False,0,2.94,25.17
LI-2024-INS004-003413,2011-10-24,11,45,56,1966,female,never_smoker,25.2,68,165,AK,USA,divorced,bachelors,professional,41402.13,0.5879,full_paramedical,93,51,240,58,4.14,80,5.0,False,57.9,,True,False,False,False,True,breast,7.0,none,none,depression,1,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,52,UW-370,1.25,term_life,500000,annual,2829.86,20.0,none,,,,False,none,captive_agent,False,False,False,0.006975,0.01114,SOA_2015_VBT,SOA_Scale_MP2023,1.272,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001744,0.015,False,,1.0,False,,,,0.03,0.0369,False,normal_rate,2.45,2.46,False,False,False,False,False,0.907,49.5,38.5,preferred_longevity,79.1,baseline,1.059,0.57,False,,False,,500000.0,21139.33,22362.69,22638.88,5376.73,False,0,0.16,8.06
LI-2024-INS004-003414,2021-10-23,4,59,63,1962,male,current_smoker,32.1,76,263,NH,USA,married,some_college,light_blue_collar,52882.42,0.5904,limited_exam,143,97,239,45,5.31,82,8.3,True,65.9,4.86,False,False,False,False,False,none,,type_2,very_severe_gold_4,depression,5,False,False,False,False,True,declined,,,False,False,True,False,32,UW-374,7.0,term_life,1000000,annual,37227.08,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.030164,0.41292,SOA_2015_VBT,SOA_Scale_MP2023,7.131,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.180985,0.015,True,0.00453,1.0,False,,,,0.07,0.0859,False,normal_rate,3.89,1.72,False,False,False,False,False,0.989,30.9,28.2,preferred_longevity,63.7,baseline,1.057,0.687,True,48.3,False,,1000000.0,299246.23,256650.46,297816.64,70731.45,False,0,-5.0,-20.0
LI-2024-INS004-003415,2017-05-11,10,31,41,1986,female,former_smoker,18.9,69,127,PA,USA,married,bachelors,professional,40855.16,0.8643,full_paramedical,117,69,198,72,2.75,60,,False,83.6,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-404,1.25,group_life,500000,quarterly,2370.66,,none,,,,False,none,captive_agent,False,False,False,0.002872,0.004013,SOA_2015_VBT,SOA_Scale_MP2023,1.347,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000718,0.02,False,,1.0,False,,,,0.12,0.121,False,normal_rate,3.08,2.76,False,False,False,False,False,0.831,68.0,55.0,super_preferred_longevity,100.0,baseline,0.852,0.775,False,,False,,500000.0,18518.08,17192.69,18965.28,4504.25,False,0,2.71,13.08
LI-2024-INS004-003416,2018-03-05,2,56,58,1962,female,never_smoker,19.9,60,102,AR,USA,single,high_school,professional,34209.12,0.7753,full_paramedical,136,81,207,58,3.57,104,,False,68.0,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,18,UW-450,1.25,term_life,500000,annual,3472.39,15.0,none,,,,False,none,bank,False,False,False,0.00788,0.012711,SOA_2015_VBT,SOA_Scale_MP2023,1.484,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00197,0.015,False,,1.0,False,,,,0.07,0.0756,False,normal_rate,4.32,1.52,False,False,False,False,False,0.778,38.6,36.6,preferred_longevity,79.0,baseline,0.919,0.671,False,,False,,500000.0,30440.62,28681.44,27779.12,6597.54,False,0,1.29,11.7
LI-2024-INS004-003417,2008-09-28,3,46,49,1962,male,former_smoker,26.8,71,191,MO,USA,married,high_school,light_blue_collar,43083.06,0.5918,non_med_guaranteed,127,86,170,57,2.98,104,,False,96.3,2.18,False,False,False,False,True,melanoma,4.8,none,none,none,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,42,UW-254,1.5,universal_life,2000000,monthly,11700.37,,10yr_declining,8066.07,5299.41,0.657,True,quota_share,direct_to_consumer,False,False,False,0.006157,0.013613,SOA_2015_VBT,SOA_Scale_MP2023,1.62,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003079,0.015,False,,1.0,False,,,,0.08,0.0371,False,normal_rate,2.45,0.55,False,False,False,False,False,0.929,43.9,40.9,super_preferred_longevity,82.7,baseline,1.056,0.664,False,,False,,1991933.93,95303.1,94081.24,93602.96,22230.7,False,0,3.19,6.31
LI-2024-INS004-003418,2016-10-08,8,21,29,1995,female,never_smoker,29.9,59,147,UT,USA,married,high_school,professional,25185.11,0.6704,accelerated_UW,112,60,228,33,6.91,104,4.9,False,110.1,,False,False,False,False,True,lymphoma,3.4,none,none,substance_use_disorder,1,False,False,False,False,True,standard,,,False,True,False,True,35,UW-114,1.0,term_life,250000,semi_annual,624.18,20.0,none,,,,True,none,independent_broker,False,False,False,0.001115,0.00122,SOA_2015_VBT,SOA_Scale_MP2023,1.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.0582,False,normal_rate,2.87,0.96,True,False,False,False,False,0.881,70.0,55.0,super_preferred_longevity,100.0,baseline,0.997,0.586,False,,False,,250000.0,4903.67,5129.23,4993.44,1185.94,False,0,4.16,22.61
LI-2024-INS004-003419,2016-01-14,3,55,58,1961,male,unknown,24.0,75,192,GA,USA,married,high_school,light_blue_collar,26845.24,0.3609,limited_exam,121,74,235,38,6.18,64,4.8,False,,2.33,False,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-334,2.25,group_life,250000,monthly,2538.95,,none,,,,False,none,bank,False,False,False,0.011157,0.04629,SOA_2015_VBT,SOA_Scale_MP2023,2.358,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013947,0.015,False,,1.0,False,,,,0.15,0.2117,False,normal_rate,4.57,2.54,False,False,False,False,False,0.819,36.8,38.6,super_preferred_longevity,85.8,baseline,1.229,0.457,True,75.1,False,,250000.0,20162.67,20500.77,20311.6,4824.0,False,0,3.26,-20.0
LI-2024-INS004-003420,2019-03-02,1,36,37,1983,male,never_smoker,24.4,66,151,MO,USA,single,high_school,heavy_blue_collar,66983.18,0.5014,full_paramedical,132,89,207,42,4.93,99,,False,85.3,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,1.12,1.0,False,False,False,False,9,UW-423,1.25,group_life,100000,quarterly,363.25,,none,,,,False,none,direct_to_consumer,False,False,False,0.002134,0.003849,SOA_2015_VBT,SOA_Scale_MP2023,1.382,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.02,False,,1.0,False,,,,0.18,0.3273,False,normal_rate,3.06,0.8,False,False,False,False,False,0.85,57.1,55.0,super_preferred_longevity,100.0,baseline,1.124,0.281,False,,False,,100000.0,2988.33,2968.21,2906.0,690.17,False,0,5.34,13.8
LI-2024-INS004-003421,2012-11-28,4,24,28,1988,female,never_smoker,23.4,72,172,UT,USA,married,bachelors,professional,114419.16,0.7948,full_paramedical,107,65,151,67,2.25,65,,False,89.5,,False,False,False,False,False,none,,none,none,bipolar,4,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-104,2.0,annuity_deferred,2000000,quarterly,8463.95,,none,6126.97,,,True,excess_of_loss,captive_agent,False,False,False,0.001067,0.003183,SOA_2015_VBT,SOA_Scale_MP2023,2.194,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001067,0.02,False,,1.0,False,,,,0.04,0.0426,False,normal_rate,3.16,2.05,False,False,False,False,False,0.876,70.0,55.0,super_preferred_longevity,100.0,baseline,0.904,0.786,False,,False,,1993873.03,67179.5,67256.52,67711.6,16081.51,False,0,0.5,-4.14
LI-2024-INS004-003422,2010-10-12,10,38,48,1972,female,never_smoker,23.4,64,136,RI,USA,married,some_college,white_collar,39276.81,0.2434,full_paramedical,129,82,204,64,3.19,111,5.6,False,85.2,,False,False,False,False,True,colorectal,14.9,none,none,none,5,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,39,UW-453,1.25,universal_life,250000,annual,1181.49,,15yr_declining,1073.74,,,False,none,independent_broker,False,False,False,0.00367,0.007904,SOA_2015_VBT,SOA_Scale_MP2023,1.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000917,0.018,False,,1.0,False,,,,0.06,0.0406,False,normal_rate,3.33,1.0,False,False,False,False,False,0.811,56.2,46.2,super_preferred_longevity,85.5,baseline,1.317,0.249,False,,False,,248926.26,9375.25,8514.39,9451.92,2244.83,False,0,3.35,7.04
LI-2024-INS004-003423,2017-06-08,5,43,48,1974,female,never_smoker,28.3,63,159,SD,USA,married,less_than_hs,light_blue_collar,121058.46,0.6952,full_paramedical,129,85,250,30,8.33,104,5.1,False,91.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,9,UW-160,1.0,universal_life,100000,quarterly,405.44,,15yr_declining,290.3,,,False,none,independent_broker,False,False,False,0.00367,0.003688,SOA_2015_VBT,SOA_Scale_MP2023,1.027,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0412,False,normal_rate,3.97,1.15,False,False,False,False,False,0.798,53.3,58.3,super_preferred_longevity,100.0,baseline,0.979,0.756,True,90.7,False,,99709.7,3555.77,3283.64,3243.52,770.34,False,0,2.89,18.02
LI-2024-INS004-003424,2024-07-14,3,76,79,1948,female,never_smoker,27.2,62,148,ME,USA,divorced,less_than_hs,white_collar,20485.98,0.5421,non_med_guaranteed,138,91,190,35,5.43,76,5.8,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,True,True,standard,,,False,True,False,False,39,UW-307,1.0,group_life,250000,quarterly,1475.23,,none,,,,False,none,captive_agent,False,False,False,0.044355,0.049421,SOA_2015_VBT,SOA_Scale_MP2023,1.019,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.15,0.1899,False,normal_rate,2.75,2.25,False,False,False,False,False,0.934,18.0,15.0,standard_longevity,53.1,baseline,1.093,0.588,False,,False,,250000.0,9234.84,8372.05,8851.38,3393.03,False,0,3.05,22.67
LI-2024-INS004-003425,2016-01-26,10,64,74,1952,female,former_smoker,25.1,59,124,SD,USA,married,bachelors,professional,167746.24,0.5674,full_paramedical,146,93,232,68,3.41,101,5.7,False,82.6,,False,False,False,True,False,none,,none,none,substance_use_disorder,9,False,False,False,False,True,standard,,,False,True,False,False,27,UW-465,1.0,term_life,2000000,annual,12590.08,15.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.036535,0.042906,SOA_2015_VBT,SOA_Scale_MP2023,1.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0623,False,normal_rate,2.83,0.67,False,False,False,False,False,0.977,28.0,18.0,standard_longevity,48.0,baseline,1.074,0.579,False,,False,,2000000.0,99516.76,77279.73,90648.58,25935.56,False,0,0.62,26.53
LI-2024-INS004-003426,2000-02-19,10,33,43,1967,male,current_smoker,21.3,74,165,WI,USA,widowed,less_than_hs,professional,106971.53,0.9113,full_paramedical,133,88,180,62,2.9,65,5.9,True,63.1,0.8,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,18,UW-106,1.75,term_life,2000000,monthly,13699.83,30.0,none,,,,True,quota_share,worksite,False,False,False,0.006342,0.014472,SOA_2015_VBT,SOA_Scale_MP2023,1.876,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004757,0.015,False,,1.0,False,,,,0.05,0.0485,False,normal_rate,6.2,0.68,False,True,False,False,False,0.884,58.9,48.9,super_preferred_longevity,99.5,baseline,0.817,0.714,False,,False,,2000000.0,109047.9,96257.42,109598.64,26029.68,False,0,2.24,7.77
LI-2024-INS004-003427,2011-11-16,8,73,81,1938,male,never_smoker,27.0,75,216,NE,USA,single,less_than_hs,light_blue_collar,29097.14,0.7139,accelerated_UW,143,83,185,43,4.3,111,,False,72.9,4.38,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,42,UW-434,1.25,annuity_deferred,250000,semi_annual,1913.88,,none,1529.17,,,False,none,captive_agent,False,False,False,0.066019,0.110051,SOA_2015_VBT,SOA_Scale_MP2023,1.469,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016505,0.005,False,,1.0,True,2025-10-12,voluntary_surrender,8.0,0.02,0.0226,False,normal_rate,1.98,2.22,False,False,False,False,False,0.959,13.0,5.0,sub_standard_longevity,30.7,baseline,0.965,0.822,False,,False,,248470.83,3938.35,3299.48,3827.76,5933.03,False,0,2.44,8.08
LI-2024-INS004-003428,2001-07-02,8,77,85,1924,male,unknown,29.4,75,235,AL,USA,widowed,high_school,hazardous,112696.58,0.717,full_paramedical,140,75,234,49,4.78,76,,False,58.1,8.64,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,4.8,1.0,True,False,False,False,5,UW-388,1.25,term_life,500000,semi_annual,4175.56,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.074708,0.109328,SOA_2015_VBT,SOA_Scale_MP2023,1.261,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018677,0.012,False,,1.0,False,,,,0.05,0.0788,False,normal_rate,4.06,1.37,False,False,False,False,False,0.88,7.4,1.0,sub_standard_longevity,24.8,baseline,0.962,0.692,True,45.4,False,,500000.0,1620.84,1701.37,1670.22,14280.42,False,0,3.87,20.3
LI-2024-INS004-003429,2001-08-04,9,72,81,1929,female,former_smoker,33.6,59,166,AK,USA,married,some_college,professional,56748.53,0.2516,simplified_issue,149,79,211,41,5.15,116,6.0,False,44.2,,False,True,True,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-440,1.5,whole_life,100000,monthly,1145.33,,none,949.19,,,False,none,independent_broker,True,False,False,0.050901,0.139654,SOA_2015_VBT,SOA_Scale_MP2023,1.711,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025451,0.012,False,,1.0,False,,,,0.02,0.03,False,normal_rate,3.62,1.41,False,False,False,False,False,0.953,18.3,9.3,standard_longevity,40.2,baseline,1.311,0.245,False,,False,,99050.81,4239.95,3858.35,4260.63,3156.53,False,0,5.5,-0.49
LI-2024-INS004-003430,2001-11-17,4,72,76,1929,female,never_smoker,29.5,67,188,NM,USA,married,high_school,white_collar,132589.25,0.644,full_paramedical,150,93,257,39,6.59,105,,False,78.9,,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-342,2.25,whole_life,100000,monthly,1635.91,,none,1096.95,,,False,none,independent_broker,True,False,False,0.025353,0.092516,SOA_2015_VBT,SOA_Scale_MP2023,2.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031691,0.012,False,,1.0,True,2025-06-20,replacement,4.0,0.04,0.0474,False,normal_rate,4.34,0.9,False,False,False,False,False,0.904,16.9,12.9,standard_longevity,41.5,baseline,1.017,0.711,False,,False,,98903.05,8346.47,7694.15,8441.3,4037.43,False,0,1.78,-10.6
LI-2024-INS004-003431,2003-04-05,5,37,42,1966,female,current_smoker,25.7,70,179,WV,USA,married,bachelors,professional,103095.58,0.7677,non_med_guaranteed,126,83,226,50,4.52,72,,True,106.9,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,26,UW-309,1.75,term_life,100000,monthly,668.48,25.0,none,,,,False,none,captive_agent,False,False,False,0.004731,0.011848,SOA_2015_VBT,SOA_Scale_MP2023,1.898,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003548,0.015,False,,1.0,False,,,,0.07,0.076,False,normal_rate,5.09,0.79,False,False,False,False,False,0.76,58.2,53.7,super_preferred_longevity,100.0,baseline,0.924,0.777,True,36.5,False,,100000.0,5273.21,5173.82,5347.84,1270.11,False,0,-2.38,1.82
LI-2024-INS004-003432,2022-04-12,2,25,27,1997,male,former_smoker,22.9,62,125,TX,USA,single,some_college,heavy_blue_collar,20297.45,0.9312,full_paramedical,125,69,202,63,3.21,95,,False,81.8,,False,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,1.4,,False,False,False,False,4,UW-203,0.84,universal_life,1000000,annual,1769.92,,15yr_declining,1186.36,,,True,quota_share,independent_broker,False,False,False,0.001662,0.003318,SOA_2015_VBT,SOA_Scale_MP2023,0.761,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.0023,1.0,False,,,,0.08,0.0344,False,normal_rate,5.19,1.34,False,False,False,False,False,0.843,70.0,55.0,super_preferred_longevity,100.0,baseline,0.802,0.965,False,,False,,998813.64,13419.2,13555.12,14159.36,3362.85,False,0,6.42,16.14
LI-2024-INS004-003433,2004-05-20,13,27,40,1977,female,current_smoker,29.0,64,169,NV,USA,married,high_school,white_collar,86952.72,0.716,full_paramedical,138,87,246,64,3.84,109,5.6,True,101.1,,True,True,True,True,False,none,,none,none,anxiety,7,False,False,False,True,True,substandard_table_8,,8.0,False,False,False,False,31,UW-461,3.0,annuity_deferred,250000,monthly,2189.66,,none,2311.17,,,False,none,independent_broker,False,False,False,0.004132,0.020397,SOA_2015_VBT,SOA_Scale_MP2023,3.049,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008264,0.018,False,,1.0,False,,,,0.01,0.0113,False,normal_rate,2.69,0.82,False,False,False,False,False,0.926,70.0,55.0,super_preferred_longevity,100.0,baseline,0.963,0.65,False,,False,,247688.83,16496.08,15943.48,17517.28,4160.35,False,0,0.72,-20.0
LI-2024-INS004-003434,2004-05-25,10,23,33,1981,male,current_smoker,27.6,76,226,NJ,USA,married,some_college,light_blue_collar,40730.66,0.6051,full_paramedical,134,82,180,49,3.67,79,6.0,True,101.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,38,UW-255,2.75,universal_life,250000,monthly,1877.5,,15yr_declining,1701.41,,,False,none,direct_to_consumer,False,False,False,0.003395,0.016581,SOA_2015_VBT,SOA_Scale_MP2023,2.995,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005942,0.02,False,,1.0,False,,,,0.06,0.046,False,normal_rate,3.48,0.76,False,False,False,False,False,0.917,70.0,55.0,super_preferred_longevity,100.0,baseline,1.046,0.86,False,,False,,248298.59,15184.58,12872.49,15020.0,3567.25,False,0,-0.68,-20.0
LI-2024-INS004-003435,2014-04-25,8,37,45,1977,female,never_smoker,24.3,60,124,LA,USA,married,graduate,professional,32414.99,0.565,limited_exam,117,68,233,69,3.38,102,5.4,False,60.0,,False,True,False,False,False,none,,none,none,schizophrenia,1,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,37,UW-265,2.25,whole_life,250000,monthly,2220.68,,none,1820.48,,,False,none,captive_agent,False,False,False,0.00293,0.011422,SOA_2015_VBT,SOA_Scale_MP2023,2.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.018,False,,1.0,False,,,,0.02,0.025,False,normal_rate,5.14,1.51,False,False,False,False,False,0.935,59.2,51.2,super_preferred_longevity,97.8,baseline,1.076,0.484,False,,False,,248179.52,19084.61,15944.51,17765.44,4219.29,False,0,2.81,-12.62
LI-2024-INS004-003436,2001-05-10,1,35,36,1966,male,never_smoker,15.0,60,90,AL,USA,married,some_college,heavy_blue_collar,57508.42,0.2046,full_paramedical,102,73,153,65,2.35,71,,False,,,True,False,False,False,False,none,,none,none,none,13,False,False,False,False,False,declined,,,False,False,True,False,14,UW-421,7.0,indexed_ul,500000,quarterly,10470.05,,10yr_declining,6840.68,,,True,none,captive_agent,True,False,False,0.00201,0.031658,SOA_2015_VBT,SOA_Scale_MP2023,7.242,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012059,0.015,False,,1.0,False,,,,0.11,0.1065,False,normal_rate,2.63,2.86,False,False,False,False,False,0.99,53.9,52.9,super_preferred_longevity,94.9,baseline,1.347,0.191,False,,False,,493159.32,79538.43,84529.88,83760.4,19893.09,False,0,-5.0,-20.0
LI-2024-INS004-003437,2015-12-15,7,64,71,1951,female,never_smoker,30.8,59,152,MD,USA,single,less_than_hs,professional,393434.92,0.6822,full_paramedical,158,86,253,38,6.66,84,5.4,False,85.5,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-035,2.25,indexed_ul,100000,semi_annual,1446.53,,15yr_declining,1094.14,,,True,quota_share,worksite,False,False,False,0.021363,0.076724,SOA_2015_VBT,SOA_Scale_MP2023,2.369,cancer,True,2020-01-25,False,False,677349.51,0.0007,5e-05,1.095,0.026704,0.012,False,,1.0,False,,,,0.06,0.0312,False,normal_rate,4.33,0.51,False,False,False,False,False,0.832,28.3,21.3,standard_longevity,54.7,baseline,0.988,0.678,False,,False,,98905.86,11091.95,11947.46,11572.24,2748.41,False,0,0.51,-12.39
LI-2024-INS004-003438,2010-09-03,6,46,52,1964,female,former_smoker,23.4,58,111,NM,USA,married,graduate,white_collar,68344.27,0.8074,accelerated_UW,131,88,161,71,2.27,100,4.6,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,25,UW-495,1.25,term_life,1000000,quarterly,4988.35,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.006438,0.009757,SOA_2015_VBT,SOA_Scale_MP2023,1.415,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001609,0.015,False,,1.0,False,,,,0.05,0.0527,False,normal_rate,4.06,0.99,False,False,False,False,False,0.957,49.0,41.4,super_preferred_longevity,86.7,baseline,0.894,0.828,True,20.4,False,,1000000.0,42700.86,39445.92,39906.8,9477.87,False,0,3.73,19.36
LI-2024-INS004-003439,2002-11-26,8,61,69,1941,male,never_smoker,33.6,73,254,MI,USA,married,less_than_hs,professional,194397.07,0.679,full_paramedical,146,96,219,41,5.34,113,4.6,False,107.0,2.14,True,False,False,True,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,15,UW-119,2.5,indexed_ul,500000,monthly,7317.76,,15yr_declining,6391.74,,,True,excess_of_loss,captive_agent,False,False,False,0.0219,0.087288,SOA_2015_VBT,SOA_Scale_MP2023,2.509,cancer,True,2008-03-27,False,False,646826.16,0.0007,5e-05,1.095,0.03285,0.008,False,,1.0,False,,,,0.06,0.0312,False,normal_rate,4.24,2.27,False,False,False,False,False,0.918,25.5,18.6,standard_longevity,50.6,baseline,0.991,0.648,True,53.4,False,,493608.26,55539.33,56288.65,54444.13,14723.33,False,0,1.18,-17.5
LI-2024-INS004-003440,2013-01-27,14,69,83,1944,male,never_smoker,22.9,62,125,MD,USA,married,high_school,white_collar,20000.0,0.527,non_med_guaranteed,145,80,191,49,3.9,113,,False,101.1,3.36,True,True,False,False,False,none,,none,none,none,12,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-126,1.25,whole_life,2000000,monthly,17217.77,,none,17791.78,,,True,none,captive_agent,False,False,False,0.075868,0.139828,SOA_2015_VBT,SOA_Scale_MP2023,1.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018967,0.008,False,,1.0,False,,,,0.015,0.0192,False,normal_rate,4.81,1.2,False,False,False,False,False,0.913,17.3,3.3,sub_standard_longevity,25.4,baseline,1.105,0.718,False,,False,,1982208.22,21608.93,22389.66,22727.46,55716.7,False,0,1.6,15.7
LI-2024-INS004-003441,2024-09-27,3,66,69,1958,female,former_smoker,16.6,69,112,RI,USA,married,some_college,heavy_blue_collar,103096.92,0.6475,full_paramedical,118,62,205,56,3.66,75,5.2,False,94.2,,False,False,False,False,False,none,,none,none,depression,6,False,False,True,False,True,substandard_table_1,0.97,1.0,False,False,False,False,20,UW-499,1.25,term_life,1000000,annual,7923.48,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.02538,0.044576,SOA_2015_VBT,SOA_Scale_MP2023,1.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006345,0.012,False,,1.0,False,,,,0.07,0.0827,False,normal_rate,5.01,1.36,False,False,False,False,False,0.834,27.2,24.2,standard_longevity,58.5,baseline,1.014,0.613,False,,False,,1000000.0,61906.1,58474.31,63387.84,15054.61,False,0,3.16,9.47
LI-2024-INS004-003442,2001-08-20,11,71,82,1930,female,never_smoker,42.1,62,230,IN,USA,married,high_school,white_collar,20087.89,0.6735,limited_exam,157,99,201,40,5.03,108,5.1,False,68.5,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-185,2.0,term_life,250000,annual,3282.74,30.0,none,,,,False,none,captive_agent,False,False,False,0.055314,0.170328,SOA_2015_VBT,SOA_Scale_MP2023,2.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055314,0.005,False,,1.0,False,,,,0.03,0.0348,False,normal_rate,4.81,2.53,False,False,False,False,False,0.974,17.6,6.6,sub_standard_longevity,32.5,baseline,0.995,0.613,False,,False,,250000.0,9089.73,8303.45,8666.43,9756.3,False,0,-0.61,2.8
LI-2024-INS004-003443,2006-12-18,9,20,29,1986,female,former_smoker,25.6,64,149,IA,USA,married,high_school,light_blue_collar,37959.26,0.4178,full_paramedical,148,85,206,54,3.81,72,5.1,False,97.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-360,1.5,group_life,2000000,annual,7072.87,,none,,,,True,coinsurance,independent_broker,False,False,False,0.00145,0.003636,SOA_2015_VBT,SOA_Scale_MP2023,1.692,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000725,0.02,False,,1.0,False,,,,0.12,0.1639,False,normal_rate,1.85,2.59,False,False,False,False,False,0.753,70.0,55.0,super_preferred_longevity,100.0,baseline,1.187,0.426,False,,False,,2000000.0,58259.12,55259.46,56582.96,13438.45,False,0,2.13,-0.05
LI-2024-INS004-003444,2007-09-01,8,57,65,1950,female,never_smoker,33.8,63,190,WI,USA,married,bachelors,professional,192438.37,0.4364,simplified_issue,132,92,203,37,5.49,97,4.9,False,,,False,False,False,False,False,none,,none,none,schizophrenia,17,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-421,2.25,term_life,500000,monthly,5484.36,20.0,none,,,,False,none,employer_group,False,False,False,0.01252,0.051928,SOA_2015_VBT,SOA_Scale_MP2023,2.471,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015649,0.012,False,,1.0,False,,,,0.05,0.0811,False,normal_rate,5.0,2.5,False,False,False,False,False,0.815,34.2,26.2,standard_longevity,58.3,baseline,1.173,0.656,False,,False,,500000.0,46167.48,43351.48,43874.88,10420.28,False,0,1.72,-3.85
LI-2024-INS004-003445,2015-12-08,1,35,36,1980,male,current_smoker,20.4,70,142,SC,USA,single,high_school,professional,21422.32,0.8512,non_med_guaranteed,110,82,207,72,2.88,99,,True,,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,22,UW-130,1.0,whole_life,1000000,monthly,3372.97,,none,2235.45,,,True,facultative,independent_broker,False,False,False,0.00402,0.003647,SOA_2015_VBT,SOA_Scale_MP2023,1.053,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.0611,False,normal_rate,2.43,1.2,True,False,False,False,False,0.957,59.0,55.0,super_preferred_longevity,100.0,baseline,0.862,1.0,False,,False,,997764.55,27606.09,23120.62,26983.76,6408.64,False,0,10.38,17.48
LI-2024-INS004-003446,2014-07-20,9,37,46,1977,female,never_smoker,28.9,66,179,PA,USA,single,graduate,white_collar,99293.65,0.2116,simplified_issue,127,81,213,55,3.87,119,,False,75.0,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-035,1.25,universal_life,1000000,monthly,4464.75,,15yr_declining,3811.93,,,True,none,worksite,False,False,False,0.003155,0.006691,SOA_2015_VBT,SOA_Scale_MP2023,1.395,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000789,0.018,False,,1.0,False,,,,0.06,0.0413,False,normal_rate,3.25,2.17,False,False,False,False,False,0.85,57.8,48.0,super_preferred_longevity,87.7,baseline,1.341,0.048,False,,True,-0.515,996188.07,36204.34,36583.67,35718.0,8483.02,False,0,5.89,15.68
LI-2024-INS004-003447,2006-11-18,21,29,50,1977,male,former_smoker,18.0,60,92,NY,USA,married,bachelors,light_blue_collar,45564.48,0.2219,accelerated_UW,114,78,189,51,3.71,102,,False,86.0,4.36,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,21,UW-187,1.25,indexed_ul,500000,monthly,2365.39,,10yr_declining,3386.15,,,False,none,bank,False,False,False,0.006967,0.014833,SOA_2015_VBT,SOA_Scale_MP2023,1.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001742,0.018,False,,1.0,False,,,,0.04,0.0609,False,normal_rate,4.65,2.7,False,False,False,False,False,0.901,61.9,40.9,preferred_longevity,77.2,baseline,1.334,0.223,False,,False,,496613.85,19576.66,16754.02,18923.12,4494.24,False,0,1.95,16.77
LI-2024-INS004-003448,2011-04-01,14,20,34,1991,male,never_smoker,30.7,72,226,OK,USA,single,high_school,light_blue_collar,20000.0,0.5358,simplified_issue,134,83,196,20,9.8,90,5.6,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-297,2.25,term_life,2000000,semi_annual,11243.51,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.001792,0.006882,SOA_2015_VBT,SOA_Scale_MP2023,2.358,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002241,0.022,False,,1.0,False,,,,0.03,0.0381,False,normal_rate,2.91,2.59,False,False,False,False,False,0.802,70.0,55.0,super_preferred_longevity,100.0,baseline,1.098,0.373,False,,False,,2000000.0,85491.56,84340.42,89948.08,21362.67,False,0,4.38,-10.32
LI-2024-INS004-003449,2015-03-20,7,59,66,1956,male,never_smoker,18.9,76,155,CO,USA,widowed,graduate,white_collar,82132.81,0.6813,accelerated_UW,116,79,214,59,3.63,88,4.6,False,69.2,4.26,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,True,7,UW-194,0.61,annuity_immediate,100000,semi_annual,301.74,,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.018348,0.011977,SOA_2015_VBT,SOA_Scale_MP2023,0.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.003,0.005,False,normal_rate,2.24,2.58,False,False,False,False,False,0.983,30.1,23.1,standard_longevity,57.4,baseline,0.989,0.857,False,,False,,100000.0,2503.15,2351.6,2413.92,573.31,False,0,1.54,29.03
LI-2024-INS004-003450,2011-07-25,14,48,62,1963,female,current_smoker,35.6,62,194,NH,USA,single,bachelors,white_collar,20000.0,0.3975,full_paramedical,115,73,264,34,7.76,101,4.9,True,82.8,,False,False,False,True,False,none,,none,mild_gold_1,none,2,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,35,UW-497,3.0,term_life,500000,annual,8624.42,30.0,none,,,,False,none,independent_broker,False,False,False,0.022482,0.137319,SOA_2015_VBT,SOA_Scale_MP2023,3.418,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044963,0.015,False,,1.0,False,,,,0.03,0.0415,False,normal_rate,2.21,1.98,False,False,False,False,False,0.91,45.2,31.4,preferred_longevity,65.6,baseline,1.202,0.367,False,,True,0.134,500000.0,68648.87,63288.0,68995.36,16386.4,False,0,-1.82,-20.0
LI-2024-INS004-003451,2024-02-22,2,62,64,1962,female,never_smoker,28.3,58,135,VT,USA,married,graduate,light_blue_collar,150060.25,0.4718,full_paramedical,148,104,217,63,3.44,69,5.1,False,90.9,,True,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-074,2.0,whole_life,100000,semi_annual,942.71,,none,647.75,,,False,none,independent_broker,False,True,False,0.013152,0.045984,SOA_2015_VBT,SOA_Scale_MP2023,2.178,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013152,0.015,False,,1.0,False,,,,0.04,0.0529,False,normal_rate,1.77,1.83,False,False,False,False,False,0.937,31.4,34.9,preferred_longevity,71.9,baseline,1.146,0.489,True,85.8,False,,99352.25,8222.31,7357.59,7541.68,1791.15,False,0,-0.71,-4.27
LI-2024-INS004-003452,2016-04-19,11,32,43,1984,female,current_smoker,19.1,67,121,IN,USA,divorced,high_school,white_collar,142056.26,0.8876,full_paramedical,117,76,219,63,3.48,77,,True,78.3,,False,False,True,False,False,none,,none,none,substance_use_disorder,12,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,39,UW-427,2.75,term_life,500000,quarterly,4901.97,20.0,none,,,,False,none,employer_group,True,False,False,0.005074,0.020634,SOA_2015_VBT,SOA_Scale_MP2023,2.777,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008879,0.02,False,,1.0,False,,,,0.03,0.0356,False,normal_rate,2.39,2.18,False,False,False,False,False,0.917,69.8,55.0,super_preferred_longevity,100.0,baseline,0.834,0.902,False,,False,,500000.0,36535.27,35702.99,39215.76,9313.74,False,0,-1.7,-20.0
LI-2024-INS004-003453,2000-06-19,15,54,69,1946,male,current_smoker,21.2,66,131,RI,USA,married,some_college,professional,80542.39,0.787,full_paramedical,127,71,227,69,3.29,91,,True,92.6,3.22,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,24,UW-438,2.75,term_life,2000000,monthly,28002.14,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.045594,0.2012,SOA_2015_VBT,SOA_Scale_MP2023,2.927,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.07979,0.008,False,,1.0,False,,,,0.03,0.0321,False,normal_rate,4.87,2.19,False,True,False,False,False,0.889,33.7,18.2,standard_longevity,51.6,baseline,0.91,0.649,False,,True,-0.319,2000000.0,203275.47,207361.02,203855.58,57236.37,False,0,0.96,-20.0
LI-2024-INS004-003454,2013-11-02,2,72,74,1941,female,never_smoker,37.6,58,179,WI,USA,married,some_college,heavy_blue_collar,34636.53,0.4767,full_paramedical,132,73,270,60,4.5,101,5.7,False,81.2,,True,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,1.36,5.0,False,False,False,False,11,UW-303,2.25,indexed_ul,1000000,quarterly,15972.58,,10yr_declining,10229.61,,,True,coinsurance,independent_broker,False,False,False,0.027115,0.109573,SOA_2015_VBT,SOA_Scale_MP2023,2.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033894,0.008,False,,1.0,False,,,,0.08,0.0475,False,normal_rate,3.9,1.69,False,False,False,False,False,0.821,20.7,18.7,standard_longevity,57.7,baseline,1.142,0.466,False,,False,,989770.39,108477.7,124410.91,119474.9,32009.05,False,0,-0.0,-11.11
LI-2024-INS004-003455,2004-09-01,9,80,89,1924,female,never_smoker,21.9,63,123,WY,USA,single,bachelors,white_collar,82840.48,0.9791,accelerated_UW,144,80,209,74,2.82,86,5.3,False,,,False,False,True,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,30,UW-263,2.5,whole_life,500000,annual,9706.54,,none,8799.81,,,False,none,captive_agent,False,False,False,0.072811,0.250931,SOA_2015_VBT,SOA_Scale_MP2023,2.542,cardiovascular,True,2011-11-23,False,False,1267806.02,0.0007,5e-05,1.095,0.109216,0.012,False,,1.0,False,,,,0.02,0.0183,False,normal_rate,4.68,2.72,False,False,False,False,False,0.873,12.5,3.5,standard_longevity,42.4,baseline,0.766,1.0,False,,False,,491200.19,12610.42,12364.67,13589.16,31255.06,False,0,5.32,-14.24
LI-2024-INS004-003456,2016-01-28,5,67,72,1949,female,former_smoker,35.1,58,168,ND,USA,divorced,bachelors,white_collar,56968.18,0.5681,simplified_issue,138,93,244,59,4.14,109,5.1,False,82.5,,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-444,2.0,whole_life,2000000,monthly,26808.14,,none,19800.85,,,True,quota_share,captive_agent,False,False,False,0.031561,0.106161,SOA_2015_VBT,SOA_Scale_MP2023,2.201,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031561,0.008,False,,1.0,False,,,,0.04,0.166,False,normal_rate,3.94,1.61,False,False,False,True,False,0.847,24.3,19.3,standard_longevity,50.0,baseline,1.074,0.546,False,,False,,1980199.15,219715.68,208482.75,206958.84,52436.72,False,0,1.25,-3.68
LI-2024-INS004-003457,2018-12-27,6,22,28,1996,male,never_smoker,36.3,72,267,MN,USA,single,bachelors,professional,20000.0,0.4103,full_paramedical,127,86,212,38,5.58,133,5.5,False,82.6,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-120,2.0,universal_life,500000,monthly,2555.12,,15yr_declining,1920.47,,,False,none,captive_agent,False,False,False,0.001334,0.004723,SOA_2015_VBT,SOA_Scale_MP2023,2.131,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.022,False,,1.0,False,,,,0.06,0.1848,False,normal_rate,3.56,1.07,True,False,False,True,False,0.977,70.0,57.6,super_preferred_longevity,100.0,baseline,1.192,0.506,True,48.2,False,,498079.53,21696.15,20874.44,20440.96,4854.73,False,0,4.17,-8.79
LI-2024-INS004-003458,2024-09-18,3,40,43,1984,male,never_smoker,34.8,75,278,IL,USA,married,graduate,light_blue_collar,36007.35,0.6826,accelerated_UW,126,78,203,48,4.23,79,7.2,False,93.5,1.28,True,False,False,False,False,none,,type_2,none,none,4,False,True,False,False,True,substandard_table_2,,2.0,False,False,False,True,39,UW-174,1.5,term_life,250000,annual,1305.6,30.0,none,,,,True,none,employer_group,False,False,False,0.003171,0.006552,SOA_2015_VBT,SOA_Scale_MP2023,1.585,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001586,0.02,False,,1.0,False,,,,0.07,0.0969,False,normal_rate,4.79,2.65,False,False,False,False,False,0.892,53.9,50.9,super_preferred_longevity,99.1,baseline,0.988,0.498,False,,False,,250000.0,10560.24,9105.39,10444.8,2480.64,False,0,2.3,6.2
LI-2024-INS004-003459,2017-09-05,3,53,56,1964,male,never_smoker,33.6,64,195,FL,USA,single,bachelors,white_collar,182736.75,0.2315,limited_exam,112,77,253,27,9.37,99,5.2,False,,4.26,False,False,True,False,True,melanoma,3.5,none,none,depression,0,False,False,False,False,True,substandard_table_3,,3.0,False,False,False,False,30,UW-497,1.75,term_life,2000000,semi_annual,16068.05,10.0,none,,,,True,none,employer_group,True,False,False,0.008588,0.027331,SOA_2015_VBT,SOA_Scale_MP2023,1.834,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006441,0.015,False,,1.0,False,,,,0.07,0.1781,False,normal_rate,1.89,2.89,False,False,False,False,False,0.82,38.7,35.7,preferred_longevity,79.5,baseline,1.326,0.138,False,,False,,2000000.0,127459.97,126359.46,128544.4,30529.29,False,0,2.59,0.91
LI-2024-INS004-003460,2006-10-24,7,72,79,1934,female,never_smoker,34.7,60,177,DE,USA,married,high_school,white_collar,304618.89,0.8704,limited_exam,149,83,243,41,5.93,125,6.1,False,53.3,,False,False,False,True,True,breast,0.6,pre_diabetes,none,depression,5,False,False,False,False,True,declined,,,False,True,True,False,27,UW-229,7.0,whole_life,2000000,monthly,93211.05,,none,78355.48,,,True,facultative,independent_broker,False,False,False,0.043528,0.543381,SOA_2015_VBT,SOA_Scale_MP2023,7.653,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.261165,0.005,False,,1.0,False,,,,0.02,0.0201,False,normal_rate,5.11,2.85,False,False,False,False,False,0.88,18.0,11.0,standard_longevity,42.1,baseline,0.847,0.85,False,,False,,1921644.52,377152.31,420276.32,410128.62,244212.95,False,0,-5.0,-20.0
LI-2024-INS004-003461,2012-07-03,8,73,81,1939,male,unknown,21.2,68,139,NJ,USA,married,high_school,white_collar,31867.05,0.4797,accelerated_UW,125,70,221,45,4.91,119,,False,,6.99,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,standard,,,False,False,False,True,9,UW-484,1.09,term_life,1000000,semi_annual,7418.76,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.076303,0.093957,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006867,0.005,False,,1.0,False,,,,0.05,0.0658,False,normal_rate,3.79,0.82,False,False,False,False,False,0.96,12.2,4.3,sub_standard_longevity,26.1,baseline,1.14,0.48,True,42.3,False,,1000000.0,12531.31,11424.8,12760.27,23413.61,False,0,4.89,11.55
LI-2024-INS004-003462,2013-05-20,1,34,35,1979,female,never_smoker,27.0,69,182,SD,USA,single,bachelors,professional,24724.75,0.7697,simplified_issue,135,72,233,52,4.48,107,,False,,,False,False,False,False,True,breast,1.1,none,none,none,8,True,False,False,False,True,standard,2.65,,True,True,False,False,19,UW-004,1.0,universal_life,1000000,monthly,3348.56,,15yr_declining,1988.99,,,True,facultative,independent_broker,False,False,False,0.001517,0.001404,SOA_2015_VBT,SOA_Scale_MP2023,1.003,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.12,0.0585,False,normal_rate,4.69,1.27,False,False,False,False,False,0.82,63.4,55.0,super_preferred_longevity,100.0,baseline,0.923,0.703,False,,False,,998011.01,26853.92,26546.68,26788.48,6362.26,False,0,3.86,24.26
LI-2024-INS004-003463,2004-01-01,8,55,63,1949,male,never_smoker,31.7,71,227,NV,USA,married,some_college,light_blue_collar,26704.66,0.5821,full_paramedical,128,75,243,41,5.93,93,4.9,False,80.1,3.86,True,False,False,True,False,none,,none,none,none,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,34,UW-105,2.5,term_life,500000,quarterly,6835.63,20.0,none,,,,False,none,employer_group,True,False,False,0.013878,0.059958,SOA_2015_VBT,SOA_Scale_MP2023,2.652,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020818,0.008,False,,1.0,True,2026-02-05,voluntary_surrender,8.0,0.05,0.0741,False,normal_rate,5.7,1.19,True,False,False,True,True,0.966,32.3,24.3,standard_longevity,57.7,baseline,1.063,0.541,False,,False,,500000.0,59943.06,55583.99,54685.04,12987.7,False,0,0.73,-20.0
LI-2024-INS004-003464,2024-08-09,3,42,45,1982,female,never_smoker,20.4,63,115,HI,USA,single,graduate,professional,353753.86,0.7222,full_paramedical,122,78,166,59,2.81,81,5.0,False,,,True,False,False,False,False,none,,none,none,depression,8,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-166,1.25,whole_life,250000,quarterly,1324.05,,none,922.69,,,False,none,independent_broker,False,False,False,0.00293,0.004602,SOA_2015_VBT,SOA_Scale_MP2023,1.378,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000732,0.02,False,,1.0,False,,,,0.04,0.0449,False,normal_rate,1.59,1.32,False,False,False,False,False,0.776,55.8,52.8,super_preferred_longevity,100.0,baseline,0.958,0.755,False,,False,,249077.31,10541.74,10555.87,10592.4,2515.7,False,0,-0.05,16.32
LI-2024-INS004-003465,2022-06-12,3,57,60,1965,male,never_smoker,29.9,76,245,AK,USA,married,bachelors,professional,69173.77,0.5542,full_paramedical,129,79,198,38,5.21,112,,False,,9.53,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,34,UW-203,2.25,term_life,1000000,quarterly,11803.6,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.012208,0.050432,SOA_2015_VBT,SOA_Scale_MP2023,2.462,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01526,0.015,True,0.00258,1.0,False,,,,0.07,0.088,False,normal_rate,3.3,2.44,False,False,False,False,False,0.902,33.2,30.2,preferred_longevity,66.1,baseline,1.084,0.428,False,,False,,1000000.0,93579.01,85575.28,94428.8,22426.84,False,0,0.43,-14.06
LI-2024-INS004-003466,2023-08-23,1,41,42,1982,male,never_smoker,24.0,69,162,UT,USA,widowed,bachelors,white_collar,81724.84,0.4146,non_med_guaranteed,131,77,108,73,1.48,101,,False,102.2,2.17,True,False,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,26,UW-143,1.0,universal_life,500000,monthly,1967.15,,10yr_declining,1309.95,,,False,none,employer_group,False,False,False,0.002957,0.003688,SOA_2015_VBT,SOA_Scale_MP2023,1.049,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.12,0.0887,False,normal_rate,3.93,1.95,False,False,False,False,False,0.758,54.6,53.6,super_preferred_longevity,100.0,baseline,1.189,0.479,False,,False,,498690.05,14541.93,14480.29,15737.2,3737.59,False,0,3.78,17.64
LI-2024-INS004-003467,2013-07-25,8,24,32,1989,female,never_smoker,31.5,69,213,ID,USA,married,bachelors,white_collar,83872.53,0.3494,limited_exam,134,77,197,36,5.47,96,,False,120.0,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-147,1.25,term_life,250000,annual,805.92,15.0,none,,,,True,none,captive_agent,False,False,False,0.001289,0.002652,SOA_2015_VBT,SOA_Scale_MP2023,1.46,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000322,0.02,False,,1.0,False,,,,0.05,0.071,False,normal_rate,3.69,1.23,False,False,False,False,False,0.796,70.0,55.0,super_preferred_longevity,100.0,baseline,1.238,0.274,False,,False,,250000.0,6080.79,6284.39,6447.36,1531.25,False,0,1.43,3.72
LI-2024-INS004-003468,2012-01-08,5,26,31,1986,female,never_smoker,26.3,61,139,SD,USA,single,some_college,light_blue_collar,89736.29,0.7821,full_paramedical,109,78,189,56,3.38,111,5.7,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,24,UW-095,0.61,whole_life,100000,semi_annual,149.45,,none,104.52,,,False,none,captive_agent,False,False,False,0.001226,0.000765,SOA_2015_VBT,SOA_Scale_MP2023,0.683,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.043,False,normal_rate,5.02,2.13,False,False,False,False,False,0.754,70.0,55.0,super_preferred_longevity,100.0,baseline,0.913,0.769,False,,False,,99895.48,1165.7,1199.85,1195.6,283.95,False,0,3.82,32.15
LI-2024-INS004-003469,2010-01-19,10,18,28,1992,male,never_smoker,24.7,65,148,CO,USA,divorced,high_school,light_blue_collar,27245.65,0.4021,simplified_issue,119,77,218,61,3.57,86,5.1,False,,,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred_plus,,,False,False,False,False,7,UW-110,0.58,annuity_deferred,2000000,annual,2352.7,,none,2200.64,,,True,facultative,independent_broker,False,True,False,0.001334,0.000988,SOA_2015_VBT,SOA_Scale_MP2023,0.618,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.0276,False,normal_rate,3.15,1.07,False,False,False,False,False,0.866,70.0,55.0,super_preferred_longevity,100.0,baseline,1.198,0.218,False,,False,,1997799.36,18907.38,19297.94,18821.6,4470.13,False,0,1.62,35.51
LI-2024-INS004-003470,2021-02-09,2,22,24,1999,female,never_smoker,24.8,69,167,NE,USA,divorced,high_school,heavy_blue_collar,50566.27,0.6329,full_paramedical,119,67,237,67,3.54,96,5.4,False,,,False,False,False,True,False,none,,none,none,anxiety,1,False,False,False,False,True,substandard_table_6,0.87,6.0,False,False,False,False,19,UW-052,2.5,group_life,1000000,monthly,4709.97,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.000913,0.009154,SOA_2015_VBT,SOA_Scale_MP2023,2.686,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001369,0.022,True,0.00527,1.0,True,2025-06-15,voluntary_surrender,2.0,0.15,0.1791,False,normal_rate,4.26,2.71,False,False,False,False,False,0.851,70.0,55.0,super_preferred_longevity,100.0,baseline,1.025,0.566,False,,False,,1000000.0,40961.31,35043.71,37679.76,8948.94,False,0,3.08,-20.0
LI-2024-INS004-003471,2000-03-16,1,58,59,1942,female,never_smoker,28.3,61,150,ID,USA,single,some_college,heavy_blue_collar,56842.97,0.4985,full_paramedical,127,73,177,67,2.64,118,5.2,False,64.6,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_1,1.34,1.0,False,False,False,False,18,UW-019,1.25,term_life,100000,quarterly,544.38,15.0,none,,,,False,none,captive_agent,False,False,False,0.007458,0.013791,SOA_2015_VBT,SOA_Scale_MP2023,1.42,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001865,0.008,False,,1.0,False,,,,0.1,0.1301,False,normal_rate,1.43,1.09,False,False,False,False,False,0.929,31.9,29.2,preferred_longevity,63.8,baseline,1.126,0.466,True,13.8,False,,100000.0,4780.93,4238.81,4355.04,1034.32,False,0,2.89,14.41
LI-2024-INS004-003472,2005-03-05,1,34,35,1971,male,never_smoker,32.6,68,214,TX,USA,single,graduate,professional,20997.59,0.8118,full_paramedical,129,84,246,47,5.23,98,5.3,False,107.7,,False,False,True,True,False,none,,none,none,substance_use_disorder,2,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,18,UW-177,2.5,group_life,2000000,monthly,15046.68,,none,,,,True,none,employer_group,False,False,False,0.001896,0.007341,SOA_2015_VBT,SOA_Scale_MP2023,2.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002844,0.018,False,,1.0,False,,,,0.18,0.2269,False,normal_rate,2.62,2.62,False,False,False,False,False,0.898,61.3,57.9,super_preferred_longevity,100.0,baseline,0.891,0.744,True,50.2,False,,2000000.0,123653.81,104449.0,120373.44,28588.69,False,0,2.31,-14.58
LI-2024-INS004-003473,2021-01-23,5,44,49,1977,male,never_smoker,23.3,61,123,ND,USA,divorced,some_college,light_blue_collar,34512.89,0.6278,accelerated_UW,113,69,169,63,2.68,82,4.5,False,86.9,3.8,False,False,False,False,False,none,,none,none,none,2,False,True,False,False,False,preferred_plus,,,False,False,False,True,7,UW-381,0.64,group_life,500000,monthly,1247.29,,none,,,,False,none,bank,False,False,False,0.004956,0.00754,SOA_2015_VBT,SOA_Scale_MP2023,0.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00462,1.0,False,,,,0.15,0.1797,False,normal_rate,1.25,2.55,False,False,False,False,False,0.794,48.5,42.6,super_preferred_longevity,85.8,baseline,1.029,0.461,True,25.9,False,,500000.0,9698.69,10097.0,9978.32,2369.85,False,0,5.12,28.45
LI-2024-INS004-003474,2018-02-15,6,36,42,1982,male,never_smoker,28.9,62,157,MA,USA,married,bachelors,white_collar,40167.47,0.4875,full_paramedical,134,79,247,35,7.06,91,5.2,False,72.9,1.61,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-469,1.5,term_life,500000,monthly,2619.63,20.0,none,,,,False,none,employer_group,False,False,False,0.002957,0.006979,SOA_2015_VBT,SOA_Scale_MP2023,1.64,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.02,False,,1.0,False,,,,0.05,0.0786,False,normal_rate,1.84,2.87,False,False,False,False,False,0.83,56.9,56.3,super_preferred_longevity,100.0,baseline,1.134,0.508,True,65.1,False,,500000.0,22894.77,21122.35,20957.04,4977.3,False,0,1.69,-0.46
LI-2024-INS004-003475,2009-05-11,14,74,88,1935,female,current_smoker,26.5,65,159,AL,USA,single,some_college,heavy_blue_collar,37483.9,0.6528,limited_exam,141,87,243,37,6.57,77,4.7,True,61.3,,True,False,False,False,False,none,,none,severe_gold_3,anxiety,5,False,False,False,False,False,substandard_table_9,0.91,9.0,False,False,False,False,19,UW-408,3.25,universal_life,250000,quarterly,6533.88,,15yr_declining,6988.57,,,True,facultative,worksite,False,False,False,0.189061,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,3.998,cardiovascular,True,2019-08-02,False,False,1870544.23,0.0007,5e-05,1.095,0.425388,0.005,False,,1.0,False,,,,0.04,0.0212,False,normal_rate,5.49,2.07,False,False,False,False,False,0.907,15.3,1.3,sub_standard_longevity,24.2,baseline,1.01,0.658,False,,False,,243011.43,3287.17,3486.26,3397.62,22189.06,False,0,0.05,-20.0
LI-2024-INS004-003476,2017-10-09,2,76,78,1941,female,unknown,37.8,68,248,RI,USA,married,some_college,white_collar,37118.91,0.8088,full_paramedical,144,87,193,41,4.71,100,9.1,False,70.1,,False,False,False,False,False,none,,type_2,none,anxiety,7,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,14,UW-489,3.0,term_life,1000000,annual,19735.4,20.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.044204,0.216797,SOA_2015_VBT,SOA_Scale_MP2023,3.251,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.088408,0.008,False,,1.0,False,,,,0.07,0.1032,False,normal_rate,1.37,0.92,False,False,False,False,False,0.806,15.0,13.0,standard_longevity,44.1,baseline,0.893,0.767,False,,False,,1000000.0,102776.81,88088.85,102624.08,48549.08,False,0,1.97,-20.0
LI-2024-INS004-003477,2011-11-11,10,42,52,1969,female,never_smoker,26.9,60,137,OH,USA,divorced,bachelors,light_blue_collar,142913.89,0.8555,full_paramedical,130,89,233,44,5.3,107,,False,102.2,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,18,UW-152,1.0,term_life,2000000,monthly,9129.64,25.0,none,,,,True,quota_share,direct_to_consumer,True,False,False,0.005027,0.004445,SOA_2015_VBT,SOA_Scale_MP2023,1.03,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0711,False,normal_rate,0.74,2.19,False,False,False,False,False,0.858,54.0,49.7,super_preferred_longevity,99.9,baseline,0.858,0.783,True,71.7,False,,2000000.0,67208.84,76564.95,73037.12,17346.32,False,0,4.53,23.54
LI-2024-INS004-003478,2017-10-26,6,53,59,1964,female,never_smoker,22.1,62,120,CA,USA,divorced,high_school,professional,147429.13,0.9467,limited_exam,117,78,240,47,5.11,69,,True,,,False,False,False,True,False,none,,none,none,anxiety,7,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-185,2.5,whole_life,1000000,annual,13050.03,,none,10312.95,3547.65,0.344,True,excess_of_loss,captive_agent,False,True,False,0.017674,0.062478,SOA_2015_VBT,SOA_Scale_MP2023,2.576,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026511,0.015,False,,1.0,False,,,,0.02,0.0113,False,normal_rate,4.26,2.42,False,False,False,False,False,0.826,42.6,36.6,super_preferred_longevity,81.6,baseline,0.79,1.0,False,,False,,989687.05,94608.79,96193.95,104400.24,24795.06,False,0,-0.2,-20.0
LI-2024-INS004-003479,2013-09-02,1,78,79,1935,female,former_smoker,29.5,72,217,OR,USA,single,graduate,professional,145283.57,0.5755,full_paramedical,123,72,158,44,3.59,105,4.9,False,67.5,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-421,2.0,universal_life,250000,annual,2981.01,,15yr_declining,1758.46,,,False,none,independent_broker,False,False,False,0.05687,0.18416,SOA_2015_VBT,SOA_Scale_MP2023,2.095,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.05687,0.005,False,,1.0,False,,,,0.12,0.0669,False,normal_rate,3.97,2.2,False,False,False,False,False,0.816,11.0,10.0,standard_longevity,36.1,baseline,1.068,0.389,False,,False,,248241.54,11610.64,12429.22,11924.04,8048.73,False,0,1.35,-1.07
LI-2024-INS004-003480,2014-02-05,1,72,73,1942,male,never_smoker,32.0,63,180,VT,USA,single,some_college,hazardous,66486.92,0.7472,full_paramedical,134,88,203,50,4.06,74,,False,71.2,5.89,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,True,True,substandard_table_1,3.35,1.0,True,False,False,False,25,UW-292,1.25,group_life,2000000,monthly,14479.45,,none,,,,True,facultative,independent_broker,False,False,False,0.031308,0.050364,SOA_2015_VBT,SOA_Scale_MP2023,1.446,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007827,0.008,False,,1.0,False,,,,0.18,0.1984,False,normal_rate,4.52,2.34,False,False,False,False,False,0.988,14.9,13.9,standard_longevity,44.6,baseline,0.94,0.623,False,,False,,2000000.0,84646.98,71832.15,80505.74,34576.93,False,0,2.38,11.88
LI-2024-INS004-003481,2021-08-02,4,49,53,1972,male,never_smoker,32.9,71,236,TX,USA,married,bachelors,white_collar,234262.47,0.563,limited_exam,145,79,218,53,4.11,103,5.1,False,,1.4,True,False,False,False,False,none,,none,none,bipolar,1,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,44,UW-285,2.0,annuity_immediate,2000000,monthly,15971.89,,none,,,,True,none,independent_broker,False,False,False,0.006813,0.028826,SOA_2015_VBT,SOA_Scale_MP2023,2.111,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.018,True,0.00651,1.0,False,,,,0.005,0.0062,False,normal_rate,3.03,0.7,False,False,False,False,False,0.998,42.5,38.5,preferred_longevity,78.7,baseline,1.078,0.486,False,,False,,2000000.0,138841.46,113939.53,127775.12,30346.59,False,0,-2.31,-12.41
LI-2024-INS004-003482,2009-03-03,14,41,55,1968,female,never_smoker,19.7,72,145,MA,USA,single,some_college,white_collar,38839.53,0.1656,limited_exam,120,77,234,45,5.2,73,5.7,False,75.7,,False,False,False,False,False,none,,none,none,bipolar,1,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-249,2.0,term_life,500000,monthly,4918.96,20.0,none,,,,False,none,captive_agent,False,False,False,0.00642,0.025058,SOA_2015_VBT,SOA_Scale_MP2023,2.11,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00642,0.015,False,,1.0,False,,,,0.03,0.047,False,normal_rate,6.31,1.48,False,False,False,False,False,0.846,52.1,38.1,preferred_longevity,72.1,baseline,1.376,0.221,False,,False,,500000.0,35461.1,41012.12,39351.68,9346.02,False,0,3.63,-8.24
LI-2024-INS004-003483,2003-01-03,2,29,31,1974,female,current_smoker,36.3,68,238,TX,USA,married,bachelors,professional,28630.43,0.6975,full_paramedical,110,62,296,53,5.58,96,5.2,True,103.5,,False,False,False,False,False,none,,none,none,schizophrenia,15,False,True,False,False,False,substandard_table_7,,7.0,False,False,False,False,9,UW-417,2.75,term_life,1000000,monthly,6966.7,20.0,none,,,,True,excess_of_loss,independent_broker,True,False,False,0.002451,0.010969,SOA_2015_VBT,SOA_Scale_MP2023,2.789,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00429,0.018,False,,1.0,False,,,,0.07,0.0799,False,normal_rate,4.57,1.54,False,False,False,False,False,0.831,67.3,55.0,super_preferred_longevity,100.0,baseline,0.977,0.669,True,59.5,True,-1.318,1000000.0,53640.81,50543.51,55733.6,13236.73,False,0,-1.37,-20.0
LI-2024-INS004-003484,2010-01-08,6,36,42,1974,male,former_smoker,32.2,71,231,MA,USA,single,some_college,hazardous,67446.12,0.8628,full_paramedical,152,89,168,35,4.8,98,6.0,False,116.6,2.79,True,False,True,False,False,none,,pre_diabetes,none,anxiety,2,False,False,False,False,True,substandard_table_2,2.64,2.0,True,False,False,False,29,UW-019,1.5,indexed_ul,500000,annual,2674.58,,10yr_declining,1966.56,,,False,none,bank,False,False,False,0.003844,0.007122,SOA_2015_VBT,SOA_Scale_MP2023,1.586,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001922,0.018,False,,1.0,False,,,,0.06,0.0273,False,normal_rate,2.18,2.04,False,False,False,False,False,0.959,60.0,54.0,super_preferred_longevity,100.0,baseline,0.853,0.881,False,,False,,498033.44,20828.22,21688.37,21396.64,5081.7,False,0,2.58,9.09
LI-2024-INS004-003485,2001-01-06,17,30,47,1971,female,never_smoker,15.0,61,90,FL,USA,married,less_than_hs,white_collar,63669.4,0.8396,full_paramedical,112,73,199,74,2.69,71,5.7,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,declined,,,False,False,True,False,17,UW-186,7.0,whole_life,500000,monthly,13443.64,,none,16792.03,,,True,facultative,independent_broker,False,False,False,0.003401,0.042769,SOA_2015_VBT,SOA_Scale_MP2023,7.557,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020404,0.018,False,,1.0,False,,,,0.015,0.0154,False,normal_rate,2.08,1.67,False,False,False,False,False,0.785,66.4,49.4,super_preferred_longevity,99.2,baseline,0.87,0.827,False,,False,,483207.97,100995.37,92633.93,107549.12,25542.92,False,0,-5.0,-20.0
LI-2024-INS004-003486,2008-06-02,18,30,48,1978,male,never_smoker,29.4,71,210,ID,USA,divorced,high_school,white_collar,59353.82,0.9349,full_paramedical,132,76,249,49,5.08,95,,False,78.8,2.42,True,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-363,1.25,universal_life,500000,quarterly,2510.11,,15yr_declining,3192.95,,,False,none,captive_agent,False,False,False,0.004587,0.006211,SOA_2015_VBT,SOA_Scale_MP2023,1.382,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001147,0.018,False,,1.0,False,,,,0.04,0.0381,False,normal_rate,2.08,2.1,True,False,False,False,False,0.761,66.9,48.9,super_preferred_longevity,100.0,baseline,0.799,0.922,False,,False,,496807.05,19197.2,18666.9,20080.88,4769.21,False,0,6.02,8.35
LI-2024-INS004-003487,2008-09-11,8,29,37,1979,male,never_smoker,24.9,69,168,FL,USA,married,graduate,white_collar,27934.34,0.6226,full_paramedical,129,77,205,53,3.87,85,5.2,False,,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-092,1.25,whole_life,500000,monthly,1699.68,,none,1400.53,,,False,none,bank,False,False,False,0.002134,0.003587,SOA_2015_VBT,SOA_Scale_MP2023,1.385,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.018,False,,1.0,False,,,,0.02,0.024,False,normal_rate,3.34,2.49,False,False,False,False,False,0.841,63.8,53.0,super_preferred_longevity,100.0,baseline,1.033,0.582,False,,True,-1.338,498599.47,14493.95,11983.22,13597.44,3229.39,False,0,4.32,11.19
LI-2024-INS004-003488,2021-01-16,3,68,71,1953,female,never_smoker,24.7,71,177,MD,USA,married,some_college,white_collar,64136.07,0.4165,accelerated_UW,142,84,162,54,3.0,64,5.1,False,,,False,False,True,False,True,melanoma,6.6,none,none,anxiety,2,False,True,False,False,True,substandard_table_2,,2.0,False,False,False,True,23,UW-441,1.5,universal_life,1000000,semi_annual,10023.9,,15yr_declining,7020.99,,,True,facultative,independent_broker,False,False,False,0.021885,0.06094,SOA_2015_VBT,SOA_Scale_MP2023,1.706,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010943,0.012,True,0.00566,1.0,False,,,,0.08,0.0492,False,normal_rate,2.8,1.89,False,False,False,False,False,0.769,26.6,23.6,preferred_longevity,64.1,baseline,1.188,0.282,False,,False,,992979.01,85168.16,76343.54,80191.2,19045.41,False,0,-0.23,-2.75
LI-2024-INS004-003489,2017-06-22,3,68,71,1949,female,never_smoker,22.9,67,146,NC,USA,single,bachelors,white_collar,22335.36,0.5004,accelerated_UW,131,74,200,36,5.56,91,4.4,False,60.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,37,UW-092,1.25,whole_life,1000000,monthly,8361.69,,none,5617.83,,,True,excess_of_loss,employer_group,False,False,False,0.022246,0.04044,SOA_2015_VBT,SOA_Scale_MP2023,1.394,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005562,0.008,False,,1.0,False,,,,0.04,0.0624,False,normal_rate,6.31,1.88,False,False,False,False,False,0.953,23.0,20.0,standard_longevity,50.0,baseline,1.125,0.498,False,,False,,994382.17,65257.47,59988.53,66893.52,15887.21,False,0,1.33,13.89
LI-2024-INS004-003490,2024-01-19,2,62,64,1962,female,never_smoker,30.9,62,168,WY,USA,widowed,high_school,white_collar,111194.02,0.7426,limited_exam,140,87,185,29,6.38,93,5.1,False,,,False,False,False,True,False,none,,none,none,anxiety,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,37,UW-374,2.5,annuity_immediate,500000,quarterly,5855.5,,none,,,,False,none,independent_broker,False,False,False,0.013152,0.051653,SOA_2015_VBT,SOA_Scale_MP2023,2.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019728,0.015,False,,1.0,False,,,,0.005,0.0055,False,normal_rate,4.76,2.01,False,False,False,False,False,0.797,32.5,30.5,preferred_longevity,69.4,baseline,0.943,0.704,False,,False,,500000.0,50324.9,46656.47,46844.0,11125.45,False,0,1.88,-11.27
LI-2024-INS004-003491,2016-09-07,8,20,28,1996,male,never_smoker,28.4,62,155,ME,USA,single,bachelors,light_blue_collar,21352.48,0.4057,full_paramedical,113,81,207,53,3.91,96,,False,76.8,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-140,2.0,term_life,1000000,annual,5142.22,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.001334,0.004782,SOA_2015_VBT,SOA_Scale_MP2023,2.162,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.022,False,,1.0,False,,,,0.05,0.0688,False,normal_rate,1.62,2.14,False,False,False,False,False,0.874,70.0,55.0,super_preferred_longevity,100.0,baseline,1.196,0.359,False,,False,,1000000.0,44315.15,38586.7,41137.76,9770.22,False,0,0.77,-4.74
LI-2024-INS004-003492,2012-01-23,8,76,84,1936,male,current_smoker,15.3,70,106,HI,USA,married,graduate,white_collar,129438.19,0.4806,limited_exam,103,58,210,72,2.92,99,4.6,True,62.0,3.97,False,False,False,False,False,none,,none,moderate_gold_2,none,4,False,False,False,True,True,declined,,,False,False,True,False,46,UW-295,7.0,term_life,500000,quarterly,27457.09,30.0,none,,,,False,none,independent_broker,False,False,False,0.169219,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.415,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,True,2026-04-21,non_payment,8.0,0.05,0.0658,False,normal_rate,4.27,2.61,True,False,False,False,False,0.994,8.7,1.0,sub_standard_longevity,21.2,baseline,1.14,0.369,False,,False,,500000.0,11604.99,11036.88,10982.84,93903.25,False,0,-5.0,-20.0
LI-2024-INS004-003493,2015-03-25,1,34,35,1981,female,never_smoker,33.9,72,249,MN,USA,divorced,bachelors,light_blue_collar,101092.23,0.5517,full_paramedical,95,52,215,46,4.67,118,9.3,False,69.2,,False,False,False,False,False,none,,type_2,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,53,UW-168,1.0,universal_life,500000,quarterly,1613.34,,10yr_declining,970.1,,,False,none,employer_group,False,False,False,0.001517,0.001699,SOA_2015_VBT,SOA_Scale_MP2023,1.031,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.12,0.0816,False,normal_rate,3.61,2.6,False,False,False,False,False,0.768,63.0,55.0,super_preferred_longevity,100.0,baseline,1.086,0.471,False,,False,,499029.9,14191.03,11982.57,12906.72,3065.35,False,0,2.4,19.24
LI-2024-INS004-003494,2005-09-18,22,74,96,1931,male,former_smoker,27.8,74,216,IL,USA,divorced,bachelors,light_blue_collar,43960.25,0.6696,accelerated_UW,140,80,219,45,4.87,89,,False,70.6,8.7,True,False,False,True,False,none,,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,True,53,UW-259,1.0,universal_life,1000000,semi_annual,7501.96,,15yr_declining,10902.64,5571.25,0.511,True,none,captive_agent,False,False,False,0.287864,0.308774,SOA_2015_VBT,SOA_Scale_MP2023,1.075,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.04,0.0279,False,normal_rate,3.04,2.09,False,True,False,False,False,0.813,10.7,1.0,sub_standard_longevity,24.0,baseline,0.998,0.72,False,,False,,989097.36,2894.1,2862.81,3000.78,25656.7,False,0,4.27,16.31
LI-2024-INS004-003495,2005-03-11,18,42,60,1963,male,never_smoker,30.1,71,215,IA,USA,married,bachelors,white_collar,137907.84,0.4062,full_paramedical,131,70,235,59,3.98,73,5.3,False,74.0,7.36,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-383,1.25,term_life,250000,semi_annual,1786.7,20.0,none,,,,False,none,bank,False,False,False,0.011844,0.024156,SOA_2015_VBT,SOA_Scale_MP2023,1.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002961,0.015,False,,1.0,False,,,,0.03,0.0413,False,normal_rate,5.55,0.98,False,False,False,False,False,0.874,47.3,29.3,preferred_longevity,62.5,baseline,1.195,0.411,False,,False,,250000.0,13070.73,13224.97,14293.6,3394.73,False,0,6.47,13.7
LI-2024-INS004-003496,2012-05-20,1,56,57,1956,female,never_smoker,40.0,65,240,AZ,USA,married,high_school,light_blue_collar,106478.27,0.3698,full_paramedical,138,83,190,57,3.33,86,4.3,False,89.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,14,UW-018,1.5,group_life,100000,semi_annual,748.45,,none,,,,False,none,captive_agent,False,False,False,0.006801,0.016946,SOA_2015_VBT,SOA_Scale_MP2023,1.629,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0034,0.012,False,,1.0,False,,,,0.18,0.2527,False,normal_rate,2.71,1.68,False,False,False,False,False,0.838,35.8,34.5,preferred_longevity,69.8,baseline,1.223,0.326,True,30.0,False,,100000.0,5604.37,5780.61,5987.6,1422.06,False,0,3.54,4.44
LI-2024-INS004-003497,2007-10-18,6,64,70,1943,female,never_smoker,26.1,67,166,NM,USA,divorced,high_school,professional,196848.25,0.2604,full_paramedical,132,83,230,43,5.35,100,,False,,,True,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-415,1.25,term_life,1000000,monthly,6714.48,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.019427,0.039936,SOA_2015_VBT,SOA_Scale_MP2023,1.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004857,0.008,False,,1.0,False,,,,0.05,0.0746,False,normal_rate,3.63,1.1,False,False,False,False,False,0.791,25.1,23.1,standard_longevity,51.1,baseline,1.305,0.377,True,91.4,False,,1000000.0,54586.75,48571.51,53715.84,12757.51,False,0,2.8,10.43
LI-2024-INS004-003498,2018-09-14,2,65,67,1953,female,never_smoker,22.5,58,107,WV,USA,married,less_than_hs,heavy_blue_collar,256317.19,0.847,limited_exam,140,87,217,56,3.88,71,5.3,False,72.6,,True,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,0.9,1.0,False,False,False,False,3,UW-344,1.25,universal_life,250000,annual,1863.17,,15yr_declining,1256.15,,,False,none,captive_agent,False,False,False,0.015441,0.022701,SOA_2015_VBT,SOA_Scale_MP2023,1.411,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00386,0.012,False,,1.0,False,,,,0.08,0.0368,False,normal_rate,2.94,1.8,False,False,False,False,False,0.899,28.3,26.3,preferred_longevity,64.7,baseline,0.865,0.857,False,,False,,248743.85,13931.94,14558.37,14905.36,3540.02,False,0,0.11,21.65
LI-2024-INS004-003499,2017-12-12,10,66,76,1951,male,never_smoker,22.1,66,137,AZ,USA,married,some_college,professional,156364.45,0.7867,full_paramedical,109,66,248,65,3.82,99,4.6,False,88.7,8.32,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-431,2.25,whole_life,500000,annual,6168.05,,none,5468.48,4801.33,0.878,False,none,direct_to_consumer,False,False,False,0.041332,0.142196,SOA_2015_VBT,SOA_Scale_MP2023,2.407,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051665,0.012,False,,1.0,False,,,,0.02,0.018,False,normal_rate,1.74,1.91,False,False,False,False,False,0.897,22.8,12.8,standard_longevity,43.5,baseline,0.91,0.705,False,,False,,494531.52,29430.29,32138.51,31580.42,15272.09,False,0,1.57,-15.81
LI-2024-INS004-003500,2007-06-22,16,33,49,1974,female,former_smoker,29.8,59,147,RI,USA,widowed,bachelors,light_blue_collar,57107.22,0.798,full_paramedical,130,86,212,41,5.17,109,5.8,False,88.1,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-163,1.25,universal_life,2000000,monthly,10976.31,,10yr_declining,13213.63,,,True,none,bank,True,False,False,0.005154,0.007803,SOA_2015_VBT,SOA_Scale_MP2023,1.402,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001289,0.018,False,,1.0,False,,,,0.04,0.0425,False,normal_rate,3.76,2.35,False,False,False,False,False,0.999,63.7,48.2,super_preferred_longevity,96.8,baseline,0.901,0.765,True,36.6,False,,1986786.37,94948.45,78320.27,87810.48,20854.99,False,0,3.4,10.85
LI-2024-INS004-003501,2019-02-06,7,67,74,1952,male,never_smoker,27.6,76,227,UT,USA,married,bachelors,heavy_blue_collar,28332.4,0.8231,full_paramedical,120,83,202,63,3.21,111,4.9,False,,1.71,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard,1.31,,False,False,False,False,11,UW-412,1.0,whole_life,250000,annual,1478.56,,none,1176.03,,,False,none,bank,False,False,False,0.03513,0.031039,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0208,False,normal_rate,3.09,2.28,False,False,False,False,False,0.947,22.1,15.4,standard_longevity,47.9,baseline,0.883,0.734,True,40.1,False,,248823.97,9123.34,8343.68,9107.93,3353.37,False,0,8.7,24.2
LI-2024-INS004-003502,2014-07-07,5,78,83,1936,male,unknown,26.1,61,138,NE,USA,married,graduate,white_collar,49903.5,0.4647,full_paramedical,119,78,280,40,7.0,92,5.1,False,76.7,8.03,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-349,1.5,universal_life,1000000,monthly,11480.87,,15yr_declining,8618.3,,,True,none,captive_agent,False,False,False,0.089306,0.209392,SOA_2015_VBT,SOA_Scale_MP2023,1.602,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044653,0.005,False,,1.0,False,,,,0.08,0.0478,False,normal_rate,1.8,0.72,False,False,False,False,False,0.976,6.7,1.9,sub_standard_longevity,22.3,baseline,1.151,0.506,True,73.3,False,,991381.7,8718.81,8983.35,8725.46,38437.95,False,0,4.09,10.12
LI-2024-INS004-003503,2005-06-19,8,54,62,1951,female,never_smoker,15.8,61,90,WY,USA,married,high_school,white_collar,26861.26,0.6118,full_paramedical,97,58,203,57,3.56,60,,False,71.2,,False,False,False,False,True,breast,14.7,none,none,substance_use_disorder,2,False,False,False,False,True,declined,,,False,True,True,False,30,UW-147,7.0,universal_life,1000000,semi_annual,33388.17,,15yr_declining,27972.83,10154.14,0.363,True,excess_of_loss,direct_to_consumer,False,False,False,0.009784,0.123666,SOA_2015_VBT,SOA_Scale_MP2023,6.377,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058705,0.012,False,,1.0,False,,,,0.06,0.0275,False,normal_rate,2.4,1.25,False,False,False,False,False,0.844,38.1,30.1,preferred_longevity,66.8,baseline,1.041,0.573,False,,False,,972027.17,290684.77,257419.91,267105.36,63437.52,False,0,-5.0,-20.0
LI-2024-INS004-003504,2010-06-02,9,61,70,1949,male,current_smoker,30.7,61,162,AR,USA,married,bachelors,white_collar,267626.79,0.4886,full_paramedical,126,80,177,67,2.64,89,5.5,True,96.7,4.38,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,23,UW-389,1.0,whole_life,500000,quarterly,3154.28,,none,2637.83,,,True,none,captive_agent,False,False,False,0.050965,0.06014,SOA_2015_VBT,SOA_Scale_MP2023,1.041,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.02,0.0262,False,normal_rate,5.02,1.3,False,False,False,False,False,0.788,25.9,16.9,standard_longevity,45.2,baseline,1.134,0.441,False,,False,,497362.17,23150.57,21747.09,21322.93,6775.39,False,0,2.05,16.85
LI-2024-INS004-003505,2020-12-02,1,31,32,1989,male,former_smoker,31.9,61,169,WV,USA,married,high_school,white_collar,39527.8,0.4851,full_paramedical,127,72,241,32,7.53,79,5.1,False,,,False,False,False,False,False,none,,none,none,anxiety,11,False,True,True,False,True,substandard_table_2,,2.0,False,False,False,False,40,UW-421,1.5,term_life,100000,monthly,395.38,20.0,none,,,,False,none,independent_broker,False,False,False,0.002095,0.006812,SOA_2015_VBT,SOA_Scale_MP2023,1.531,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001047,0.02,True,0.00212,1.0,True,2026-03-23,non_payment,1.0,0.1,0.1312,False,normal_rate,2.01,2.67,False,False,False,False,False,0.785,62.9,55.0,super_preferred_longevity,100.0,baseline,1.136,0.333,False,,False,,100000.0,3040.46,2966.12,3163.04,751.22,False,0,1.99,4.72
LI-2024-INS004-003506,2010-08-21,11,53,64,1957,male,never_smoker,27.4,75,219,AL,USA,married,graduate,white_collar,112080.62,0.5237,limited_exam,148,86,211,44,4.8,94,,False,93.1,6.91,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,True,True,True,standard,,,False,True,False,False,29,UW-386,1.0,indexed_ul,100000,monthly,563.07,,10yr_declining,509.0,,,False,none,employer_group,True,False,False,0.015619,0.01885,SOA_2015_VBT,SOA_Scale_MP2023,1.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.1737,True,normal_rate,5.34,1.1,False,False,False,False,False,0.896,35.6,24.6,standard_longevity,57.3,baseline,1.107,0.337,False,,False,,99491.0,4374.34,4166.7,4504.56,1069.83,False,0,8.59,19.36
LI-2024-INS004-003507,2019-12-16,8,45,53,1974,female,current_smoker,24.7,67,157,MS,USA,married,graduate,white_collar,51400.47,0.6864,full_paramedical,139,96,154,43,3.58,110,5.4,True,88.7,,False,False,False,False,False,none,,none,mild_gold_1,anxiety,9,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-322,2.0,indexed_ul,1000000,annual,10134.73,,10yr_declining,8267.02,,,True,facultative,employer_group,False,False,False,0.010901,0.034689,SOA_2015_VBT,SOA_Scale_MP2023,2.215,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010901,0.018,False,,1.0,False,,,,0.06,0.0373,False,normal_rate,4.34,2.1,False,False,False,False,False,0.911,51.3,43.3,super_preferred_longevity,87.7,baseline,0.985,0.547,False,,False,,991732.98,81211.76,79341.67,81077.84,19255.99,False,0,4.37,-3.64
LI-2024-INS004-003508,2006-08-20,15,75,90,1931,female,never_smoker,24.5,72,180,RI,USA,married,high_school,professional,57218.31,0.7321,accelerated_UW,159,100,247,32,7.72,87,,False,65.5,,True,False,False,False,True,melanoma,0.4,none,none,depression,3,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,23,UW-054,2.25,whole_life,1000000,monthly,14642.99,,none,15964.58,,,True,none,captive_agent,True,False,False,0.109438,0.387601,SOA_2015_VBT,SOA_Scale_MP2023,2.41,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.136798,0.005,False,,1.0,False,,,,0.015,0.0167,False,normal_rate,1.51,1.71,False,False,False,True,True,0.927,14.0,1.1,sub_standard_longevity,25.1,baseline,0.951,0.699,True,75.1,False,,984035.42,6263.68,5516.39,6442.92,49961.88,False,0,-1.53,-11.79
LI-2024-INS004-003509,2014-08-18,13,38,51,1976,male,never_smoker,34.5,75,276,AK,USA,married,high_school,light_blue_collar,126951.14,0.6687,full_paramedical,124,72,192,44,4.36,97,5.7,False,,1.95,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-036,1.25,term_life,5000000,monthly,24480.85,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.005801,0.009611,SOA_2015_VBT,SOA_Scale_MP2023,1.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00145,0.018,False,,1.0,False,,,,0.03,0.035,False,normal_rate,3.94,0.83,True,False,False,False,False,0.975,54.5,41.5,super_preferred_longevity,84.8,baseline,0.998,0.859,False,,False,,5000000.0,207317.01,195663.16,195846.8,46513.61,False,0,6.11,6.95
LI-2024-INS004-003510,2023-03-07,1,71,72,1952,female,never_smoker,41.7,70,290,PA,USA,divorced,less_than_hs,white_collar,245493.25,0.4791,simplified_issue,168,108,263,28,9.39,91,9.1,False,79.1,,False,False,False,False,False,none,,type_2,none,none,3,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,22,UW-293,3.0,whole_life,2000000,annual,32819.08,,none,20612.6,,,True,facultative,captive_agent,False,True,False,0.023597,0.134027,SOA_2015_VBT,SOA_Scale_MP2023,3.226,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.047194,0.012,False,,1.0,False,,,,0.06,0.079,False,normal_rate,3.14,0.68,False,False,False,False,False,0.911,20.7,19.7,standard_longevity,49.2,baseline,1.141,0.523,False,,False,,1979387.4,248991.92,237968.48,258614.35,63143.91,False,0,-1.67,-20.0
LI-2024-INS004-003511,2002-12-05,21,66,87,1936,male,never_smoker,21.2,66,131,LA,USA,widowed,high_school,white_collar,20000.0,0.5854,limited_exam,134,83,231,49,4.71,93,,False,72.8,6.47,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-319,0.81,indexed_ul,1000000,annual,5225.93,,10yr_declining,7418.34,,,True,excess_of_loss,worksite,False,False,False,0.109181,0.097881,SOA_2015_VBT,SOA_Scale_MP2023,0.845,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.04,0.0493,False,normal_rate,3.6,1.59,False,False,False,False,False,0.757,19.1,1.0,sub_standard_longevity,22.8,baseline,1.061,0.465,True,43.5,False,,992581.66,2227.62,1824.74,2090.37,17872.68,False,0,1.48,23.09
LI-2024-INS004-003512,2000-01-03,4,47,51,1953,female,never_smoker,29.9,65,179,OK,USA,married,some_college,white_collar,86026.7,0.6916,limited_exam,97,73,255,43,5.93,141,5.9,False,101.3,,True,False,False,False,False,none,,pre_diabetes,none,none,9,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,51,UW-071,1.25,term_life,500000,monthly,2577.65,20.0,none,,,,False,none,captive_agent,False,False,False,0.004015,0.005956,SOA_2015_VBT,SOA_Scale_MP2023,1.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001004,0.012,False,,1.0,False,,,,0.07,0.0803,False,normal_rate,4.22,1.43,False,False,False,False,False,0.877,45.7,47.5,super_preferred_longevity,94.1,baseline,0.981,0.7,True,74.1,False,,500000.0,19934.0,19377.26,20621.2,4897.53,False,0,1.9,17.04
LI-2024-INS004-003513,2010-09-17,9,27,36,1983,male,never_smoker,31.3,62,170,SC,USA,widowed,bachelors,white_collar,70996.57,0.6711,limited_exam,127,77,207,62,3.34,97,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-322,2.25,whole_life,1000000,monthly,7441.46,,none,6392.28,,,True,none,captive_agent,False,False,False,0.00201,0.007049,SOA_2015_VBT,SOA_Scale_MP2023,2.265,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002512,0.02,False,,1.0,False,,,,0.02,0.0233,False,normal_rate,4.83,2.77,False,False,False,False,False,0.751,66.7,55.0,super_preferred_longevity,100.0,baseline,0.997,0.798,False,,False,,993607.72,58210.47,51813.56,59531.68,14138.77,False,0,-2.42,-2.05
LI-2024-INS004-003514,2016-08-16,5,30,35,1986,male,never_smoker,32.1,75,256,KY,USA,married,bachelors,white_collar,65161.66,0.3624,full_paramedical,103,74,218,48,4.54,94,4.8,False,92.8,,False,True,True,False,False,none,,none,none,none,4,False,False,False,False,False,standard_plus,,,False,False,False,False,12,UW-192,0.91,annuity_deferred,1000000,annual,2528.93,,none,1990.57,,,True,none,employer_group,False,False,False,0.001896,0.002131,SOA_2015_VBT,SOA_Scale_MP2023,0.915,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0677,False,normal_rate,2.37,2.74,False,False,False,False,False,0.962,65.9,55.0,super_preferred_longevity,100.0,baseline,1.228,0.306,False,,False,,998009.43,21929.92,20357.43,20231.44,4804.97,False,0,0.16,20.65
LI-2024-INS004-003515,2016-04-03,3,24,27,1992,female,current_smoker,21.4,62,116,NC,USA,divorced,graduate,white_collar,75667.25,0.5025,full_paramedical,126,82,142,37,3.84,73,,True,,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,24,UW-367,2.75,annuity_deferred,100000,quarterly,552.54,,none,383.4,,,False,none,independent_broker,False,False,False,0.002046,0.010312,SOA_2015_VBT,SOA_Scale_MP2023,2.929,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003581,0.022,False,,1.0,False,,,,0.04,0.0519,False,normal_rate,1.99,2.47,False,False,False,False,False,0.861,70.0,63.2,super_preferred_longevity,100.0,baseline,1.123,0.596,True,76.6,False,,99616.6,4245.27,4550.31,4420.32,1049.83,False,0,2.64,-20.0
LI-2024-INS004-003516,2019-05-28,7,22,29,1997,male,never_smoker,30.7,70,214,NM,USA,divorced,some_college,hazardous,25225.97,0.4904,full_paramedical,138,90,249,48,5.19,101,,False,90.1,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,2.98,5.0,True,False,False,False,11,UW-445,2.25,whole_life,2000000,quarterly,11025.07,,none,8523.43,,,True,excess_of_loss,independent_broker,False,False,False,0.001394,0.005371,SOA_2015_VBT,SOA_Scale_MP2023,2.299,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001743,0.022,False,,1.0,False,,,,0.02,0.0262,False,normal_rate,5.28,2.8,False,False,False,False,False,0.871,70.0,55.0,super_preferred_longevity,100.0,baseline,1.132,0.392,False,,False,,1991476.57,91668.28,91525.18,88200.56,20947.63,False,0,-0.3,-10.02
LI-2024-INS004-003517,2019-10-08,2,55,57,1964,male,unknown,33.8,61,178,SC,USA,married,less_than_hs,white_collar,40804.83,0.7979,full_paramedical,126,84,212,43,4.93,95,5.6,False,83.6,1.54,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-176,2.25,annuity_deferred,100000,monthly,1159.39,,none,702.34,,,True,quota_share,independent_broker,False,False,False,0.010735,0.037266,SOA_2015_VBT,SOA_Scale_MP2023,2.464,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013419,0.015,False,,1.0,False,,,,0.04,0.0425,False,normal_rate,1.93,0.53,False,False,False,False,False,0.95,36.0,34.0,preferred_longevity,75.5,baseline,0.902,0.899,False,,False,,99297.66,9749.03,9070.08,9275.12,2202.84,False,0,5.51,-12.34
LI-2024-INS004-003518,2003-07-06,9,76,85,1927,male,current_smoker,19.5,63,109,MD,USA,single,bachelors,white_collar,26753.35,0.5039,accelerated_UW,121,74,213,32,6.66,89,4.9,True,,3.15,False,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,23,UW-019,2.0,term_life,1000000,annual,12835.69,10.0,none,,,,True,quota_share,captive_agent,False,False,False,0.134719,0.47469,SOA_2015_VBT,SOA_Scale_MP2023,2.249,neurological,True,2005-04-09,True,False,383022.48,0.0007,5e-05,1.095,0.134719,0.012,False,,1.0,False,,,,0.05,0.0648,False,normal_rate,4.31,0.51,False,False,False,False,False,0.782,11.0,3.9,standard_longevity,35.9,baseline,1.122,0.577,False,,True,1.296,1000000.0,20519.93,18435.26,20023.68,40920.18,False,0,2.1,-14.92
LI-2024-INS004-003519,2015-08-26,1,72,73,1943,male,never_smoker,41.3,71,296,VA,USA,married,bachelors,heavy_blue_collar,77067.29,0.7224,full_paramedical,123,72,239,50,4.78,88,5.0,False,81.0,4.5,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,True,True,substandard_table_5,0.77,5.0,False,False,False,False,24,UW-356,2.25,annuity_immediate,5000000,semi_annual,70361.31,,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.03156,0.114962,SOA_2015_VBT,SOA_Scale_MP2023,2.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03945,0.008,False,,1.0,False,,,,0.01,0.0157,False,normal_rate,3.35,2.98,False,False,False,False,False,0.99,15.0,14.0,standard_longevity,44.3,baseline,0.958,0.731,False,,False,,5000000.0,407342.88,340652.63,394023.34,167459.92,False,0,0.17,-11.42
LI-2024-INS004-003520,2018-11-20,1,26,27,1992,male,never_smoker,30.6,70,213,MS,USA,single,high_school,white_collar,117872.95,0.7007,full_paramedical,107,68,171,49,3.49,100,,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,13,UW-272,0.75,term_life,250000,quarterly,367.24,20.0,none,,,,False,none,employer_group,True,False,False,0.001279,0.001024,SOA_2015_VBT,SOA_Scale_MP2023,0.822,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.1,0.1367,False,normal_rate,0.97,1.99,False,False,False,False,False,0.993,69.4,55.0,super_preferred_longevity,100.0,baseline,0.974,0.717,False,,False,,250000.0,2672.86,2806.37,2937.92,697.76,False,0,3.93,22.07
LI-2024-INS004-003521,2011-08-01,12,34,46,1977,male,never_smoker,26.6,62,145,MD,USA,married,bachelors,heavy_blue_collar,75434.31,0.4981,simplified_issue,118,66,212,50,4.24,100,,False,86.0,3.15,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard,0.69,,False,False,False,False,22,UW-420,1.02,whole_life,1000000,monthly,3517.88,,none,3457.87,,,True,excess_of_loss,independent_broker,False,False,False,0.003943,0.004836,SOA_2015_VBT,SOA_Scale_MP2023,1.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,7.9e-05,0.018,False,,1.0,False,,,,0.015,0.0195,False,normal_rate,4.05,2.25,False,False,False,False,False,0.887,58.0,46.0,super_preferred_longevity,89.0,baseline,1.126,0.513,False,,False,,996542.13,29265.27,25263.4,28143.04,6683.97,False,0,4.05,17.68
LI-2024-INS004-003522,2023-01-21,1,78,79,1945,male,never_smoker,25.2,64,146,NE,USA,single,high_school,heavy_blue_collar,45244.74,0.5336,full_paramedical,146,86,242,42,5.76,96,,False,81.0,6.93,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,0.64,2.0,False,False,False,False,22,UW-006,1.5,term_life,1000000,annual,9024.64,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.054124,0.116351,SOA_2015_VBT,SOA_Scale_MP2023,1.5,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027062,0.008,False,,1.0,False,,,,0.1,0.1273,False,normal_rate,3.25,2.56,False,False,False,False,False,0.804,8.5,7.5,sub_standard_longevity,31.8,baseline,1.1,0.646,False,,False,,1000000.0,25859.75,26255.59,27073.92,26171.46,False,0,2.18,4.17
LI-2024-INS004-003523,2009-10-04,9,76,85,1933,male,former_smoker,19.7,70,137,ND,USA,married,some_college,white_collar,66680.56,0.4843,accelerated_UW,140,83,218,62,3.52,66,,False,76.7,10.55,False,False,True,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,30,UW-178,2.0,whole_life,500000,monthly,6601.92,,none,5523.64,,,False,none,independent_broker,False,False,False,0.11801,0.393153,SOA_2015_VBT,SOA_Scale_MP2023,2.051,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.11801,0.005,False,,1.0,False,,,,0.02,0.0263,False,normal_rate,2.6,1.26,False,False,False,False,False,0.78,11.3,2.3,sub_standard_longevity,33.2,baseline,1.137,0.37,True,31.9,False,,494476.36,6313.64,6022.62,6073.77,21891.97,False,0,0.17,-3.65
LI-2024-INS004-003524,2006-01-22,4,48,52,1958,female,unknown,31.6,60,161,AL,USA,single,some_college,white_collar,37495.99,0.7506,full_paramedical,116,74,208,33,6.3,103,5.3,False,55.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-115,2.25,whole_life,250000,quarterly,2701.41,,none,1932.59,,,False,none,independent_broker,False,False,False,0.005313,0.018435,SOA_2015_VBT,SOA_Scale_MP2023,2.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006641,0.012,False,,1.0,False,,,,0.04,0.044,False,normal_rate,3.44,2.67,False,False,False,False,False,0.955,45.7,41.7,super_preferred_longevity,86.3,baseline,0.937,0.923,False,,False,,248067.41,21045.36,18676.21,21611.28,5132.68,False,0,-0.69,-2.22
LI-2024-INS004-003525,2018-08-04,3,57,60,1961,male,former_smoker,24.6,62,134,AK,USA,single,graduate,professional,25215.52,0.7559,full_paramedical,114,69,207,35,5.91,89,5.3,False,67.1,3.44,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-398,1.25,group_life,100000,semi_annual,574.55,,none,,,,True,quota_share,independent_broker,True,False,False,0.014939,0.021786,SOA_2015_VBT,SOA_Scale_MP2023,1.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003735,0.015,False,,1.0,True,2025-07-03,voluntary_surrender,3.0,0.15,0.1643,False,normal_rate,5.96,1.24,False,False,False,False,False,0.855,33.4,30.6,preferred_longevity,69.7,baseline,0.933,0.783,True,35.9,False,,100000.0,5034.54,4290.08,4596.4,1091.64,False,0,4.23,15.99
LI-2024-INS004-003526,2016-04-06,11,66,77,1950,male,former_smoker,25.1,72,184,OH,USA,married,some_college,white_collar,253495.35,0.3358,limited_exam,139,93,230,55,4.18,65,5.6,False,,8.17,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-154,1.5,universal_life,500000,semi_annual,5510.21,,15yr_declining,5279.28,,,False,none,bank,False,False,False,0.057925,0.147605,SOA_2015_VBT,SOA_Scale_MP2023,1.641,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028963,0.012,False,,1.0,False,,,,0.04,0.0258,False,normal_rate,3.63,1.92,False,False,False,False,False,0.878,20.8,9.8,sub_standard_longevity,32.2,baseline,1.248,0.277,False,,False,,494720.72,21718.64,18870.52,21600.02,14965.73,False,0,4.39,4.81
LI-2024-INS004-003527,2024-04-21,3,65,68,1959,female,unknown,36.5,68,240,PA,USA,single,bachelors,hazardous,20000.0,0.6375,full_paramedical,141,86,232,58,4.0,83,4.8,False,59.6,,False,False,False,True,True,melanoma,4.6,none,none,none,10,False,False,False,True,True,declined,,,True,False,True,False,47,UW-141,7.0,term_life,250000,annual,9884.07,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.020827,0.260942,SOA_2015_VBT,SOA_Scale_MP2023,6.389,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.124965,0.012,False,,1.0,False,,,,0.07,0.1166,False,normal_rate,4.9,1.54,False,False,False,False,False,0.86,28.4,26.3,preferred_longevity,61.5,baseline,1.022,0.617,True,44.8,False,,250000.0,83809.17,74189.65,79072.56,18779.73,False,0,-5.0,-20.0
LI-2024-INS004-003528,2006-11-27,17,21,38,1985,male,never_smoker,38.1,66,235,IL,USA,divorced,bachelors,white_collar,24945.73,0.5936,full_paramedical,131,83,200,46,4.35,106,5.2,False,104.2,,False,False,True,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-335,2.25,universal_life,1000000,semi_annual,6374.31,,10yr_declining,7623.04,,,True,none,worksite,False,False,False,0.00227,0.008255,SOA_2015_VBT,SOA_Scale_MP2023,2.262,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002838,0.02,False,,1.0,False,,,,0.04,0.049,False,normal_rate,3.94,1.9,False,False,False,False,False,0.936,70.0,53.0,super_preferred_longevity,100.0,baseline,1.055,0.565,False,,False,,992376.96,49078.1,52036.22,50994.48,12111.19,False,0,1.99,-18.29
LI-2024-INS004-003529,2014-08-22,12,39,51,1975,male,former_smoker,31.8,65,191,NY,USA,married,bachelors,professional,213453.03,0.6884,accelerated_UW,128,64,197,51,3.86,116,4.9,False,79.5,1.82,True,False,False,False,False,none,,none,none,schizophrenia,15,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,17,UW-004,2.25,group_life,250000,semi_annual,2453.58,,none,,,,False,none,independent_broker,False,False,False,0.007541,0.026711,SOA_2015_VBT,SOA_Scale_MP2023,2.33,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009427,0.018,False,,1.0,False,,,,0.1,0.1149,False,normal_rate,3.34,2.49,False,False,False,False,False,0.919,53.4,41.4,super_preferred_longevity,84.9,baseline,0.984,0.645,False,,False,,250000.0,20580.33,19470.04,19628.64,4661.8,False,0,2.48,-14.36
LI-2024-INS004-003530,2002-04-19,24,31,55,1971,female,former_smoker,33.2,63,187,LA,USA,married,bachelors,heavy_blue_collar,107103.25,0.7169,full_paramedical,128,71,234,65,3.6,98,4.6,False,91.2,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,1.32,5.0,False,False,False,False,3,UW-459,2.25,universal_life,250000,monthly,2920.65,,10yr_declining,4608.46,,,False,none,independent_broker,False,False,False,0.008346,0.029268,SOA_2015_VBT,SOA_Scale_MP2023,2.345,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010433,0.018,False,,1.0,False,,,,0.04,0.0451,False,normal_rate,4.61,1.99,False,False,False,False,False,0.878,65.0,41.0,super_preferred_longevity,84.8,baseline,0.962,0.675,False,,False,,245391.54,22456.59,22311.26,23365.2,5549.23,False,0,0.76,-14.19
LI-2024-INS004-003531,2021-03-08,3,62,65,1959,male,former_smoker,20.8,68,136,NY,USA,single,high_school,light_blue_collar,88044.97,0.6613,full_paramedical,113,71,151,76,1.99,81,4.4,False,64.8,5.26,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-183,2.25,whole_life,2000000,semi_annual,28002.93,,none,20079.76,,,True,none,direct_to_consumer,False,False,False,0.022679,0.083592,SOA_2015_VBT,SOA_Scale_MP2023,2.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028349,0.012,True,0.00242,1.0,False,,,,0.04,0.0656,False,normal_rate,4.26,2.5,False,False,False,False,False,0.853,27.5,24.5,standard_longevity,59.2,baseline,1.004,0.714,False,,False,,1979920.24,225950.26,225112.24,224023.44,53205.57,False,0,1.81,-11.89
LI-2024-INS004-003532,2017-12-15,4,71,75,1946,male,never_smoker,34.7,60,177,NV,USA,divorced,some_college,professional,68608.35,0.8135,accelerated_UW,154,100,228,42,5.43,69,4.5,False,79.0,9.42,False,True,False,False,False,none,,none,none,none,10,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,True,36,UW-374,1.5,indexed_ul,500000,monthly,4725.07,,15yr_declining,3479.51,,,False,none,employer_group,False,False,False,0.038503,0.072257,SOA_2015_VBT,SOA_Scale_MP2023,1.547,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019252,0.008,False,,1.0,False,,,,0.08,0.0453,False,normal_rate,3.29,0.62,False,False,False,False,False,0.764,16.8,12.8,standard_longevity,43.9,baseline,0.89,0.854,False,,False,,496520.49,21846.67,24621.53,24192.36,11699.27,False,0,6.68,10.36
LI-2024-INS004-003533,2023-06-11,3,40,43,1983,female,unknown,37.4,70,260,MA,USA,married,graduate,heavy_blue_collar,170048.81,0.7882,full_paramedical,131,84,188,45,4.18,118,5.2,False,89.5,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,True,True,substandard_table_5,0.64,5.0,False,False,False,False,42,UW-114,2.25,indexed_ul,1000000,annual,8418.18,,15yr_declining,5575.64,2765.52,0.496,True,quota_share,worksite,False,False,False,0.002917,0.009721,SOA_2015_VBT,SOA_Scale_MP2023,2.291,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003647,0.02,False,,1.0,False,,,,0.08,0.0231,False,normal_rate,4.39,1.68,False,False,False,False,False,0.78,58.2,55.0,super_preferred_longevity,100.0,baseline,0.909,0.789,False,,False,,994424.36,65346.82,65578.57,67345.44,15994.54,False,0,-0.75,-11.48
LI-2024-INS004-003534,2009-03-22,15,25,40,1984,male,never_smoker,34.1,75,272,ME,USA,married,high_school,hazardous,68629.96,0.5627,non_med_guaranteed,149,92,204,51,4.0,120,5.9,False,,1.47,False,False,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,4.43,2.0,True,False,False,False,5,UW-272,1.5,term_life,1000000,monthly,4484.5,15.0,none,,,,True,none,independent_broker,False,False,False,0.002583,0.00589,SOA_2015_VBT,SOA_Scale_MP2023,1.652,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001291,0.02,False,,1.0,False,,,,0.03,0.0375,False,normal_rate,3.66,1.95,False,False,False,False,False,0.896,70.0,55.0,super_preferred_longevity,100.0,baseline,1.078,0.463,False,,False,,1000000.0,32514.02,36623.34,35876.0,8520.55,False,0,0.73,0.28
LI-2024-INS004-003535,2001-10-02,13,68,81,1933,female,never_smoker,28.3,68,185,WY,USA,married,bachelors,white_collar,23838.91,0.8595,simplified_issue,138,81,224,50,4.48,77,5.2,False,86.9,,False,False,False,False,False,none,,none,none,bipolar,10,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-074,2.0,universal_life,1000000,quarterly,13301.27,,10yr_declining,13529.29,3964.08,0.293,True,none,employer_group,False,False,False,0.051508,0.144427,SOA_2015_VBT,SOA_Scale_MP2023,2.109,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051508,0.005,False,,1.0,False,,,,0.04,0.0292,False,normal_rate,4.29,2.94,False,False,False,False,False,0.763,21.8,8.8,standard_longevity,38.6,baseline,0.855,0.815,False,,False,,986470.71,51079.87,46851.96,46820.47,37190.35,False,0,4.12,-2.72
LI-2024-INS004-003536,2020-03-22,4,78,82,1942,female,never_smoker,31.3,71,224,WI,USA,married,bachelors,professional,20000.0,0.8645,full_paramedical,131,74,229,41,5.59,73,,False,75.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-407,2.25,term_life,1000000,monthly,16585.7,25.0,none,,,,True,excess_of_loss,worksite,False,False,False,0.054802,0.187121,SOA_2015_VBT,SOA_Scale_MP2023,2.464,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.068502,0.008,True,0.00362,1.0,False,,,,0.07,0.0706,False,normal_rate,4.97,2.99,False,False,False,False,False,0.885,13.4,9.4,standard_longevity,39.6,baseline,0.852,0.829,False,,False,,1000000.0,62644.19,59194.61,62362.23,45577.5,False,0,-0.27,-12.08
LI-2024-INS004-003537,2018-09-04,1,36,37,1982,male,never_smoker,38.0,66,235,OH,USA,married,high_school,professional,115413.46,0.8035,full_paramedical,112,72,259,32,8.09,96,5.4,False,89.0,,True,False,False,False,False,none,,none,none,anxiety,9,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,10,UW-222,1.75,whole_life,250000,monthly,1510.15,,none,884.88,,,False,none,captive_agent,False,False,False,0.002134,0.005251,SOA_2015_VBT,SOA_Scale_MP2023,1.906,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001601,0.02,False,,1.0,False,,,,0.06,0.0634,False,normal_rate,1.35,0.91,False,False,False,False,False,0.987,58.1,56.0,super_preferred_longevity,100.0,baseline,0.897,0.79,True,39.0,False,,249115.12,12161.93,11813.19,12081.2,2869.29,False,0,1.79,5.66
LI-2024-INS004-003538,2019-11-19,5,53,58,1966,female,never_smoker,26.3,68,172,OK,USA,married,some_college,heavy_blue_collar,95262.85,0.7444,full_paramedical,112,66,186,66,2.82,92,5.4,False,79.6,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,0.63,,False,False,False,False,16,UW-206,0.65,term_life,1000000,quarterly,3183.71,20.0,none,,,,True,none,independent_broker,False,False,False,0.008245,0.004892,SOA_2015_VBT,SOA_Scale_MP2023,0.63,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.0773,False,normal_rate,3.39,1.51,False,False,False,False,False,0.858,42.1,37.1,preferred_longevity,79.3,baseline,0.942,0.826,False,,False,,1000000.0,26891.91,25502.81,25469.68,6049.05,False,0,4.24,31.06
LI-2024-INS004-003539,2024-07-26,2,36,38,1988,female,never_smoker,23.1,65,139,CO,USA,single,graduate,white_collar,85189.0,0.2923,full_paramedical,105,71,195,52,3.75,96,,False,85.4,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,14,UW-013,0.58,annuity_immediate,250000,monthly,436.25,,none,,,,False,none,captive_agent,True,False,False,0.001816,0.001305,SOA_2015_VBT,SOA_Scale_MP2023,0.561,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.005,0.0103,False,normal_rate,4.18,2.49,False,False,False,False,False,0.885,61.0,57.5,super_preferred_longevity,100.0,baseline,1.281,0.279,True,48.0,False,,250000.0,3461.23,3381.46,3490.0,828.88,False,0,4.45,32.03
LI-2024-INS004-003540,2014-06-21,2,18,20,1996,female,never_smoker,18.2,59,90,MA,USA,married,graduate,professional,201563.58,0.8139,non_med_guaranteed,100,61,197,62,3.18,96,,False,105.7,,False,False,True,False,False,none,,none,none,anxiety,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,6,UW-481,0.6,whole_life,500000,monthly,517.92,,none,357.69,,,False,none,captive_agent,False,False,False,0.000805,0.000487,SOA_2015_VBT,SOA_Scale_MP2023,0.68,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.04,0.042,False,normal_rate,5.24,2.99,False,False,False,False,False,0.77,70.0,55.5,super_preferred_longevity,100.0,baseline,0.89,0.908,True,36.3,False,,499642.31,4077.61,3816.33,4143.36,984.05,False,0,2.69,30.53
LI-2024-INS004-003541,2015-02-19,11,22,33,1993,female,never_smoker,22.2,65,133,GA,USA,single,graduate,white_collar,30077.83,0.7419,simplified_issue,121,68,227,49,4.63,107,,False,,,False,False,False,False,False,none,,none,none,none,7,False,True,False,False,False,preferred_plus,,,False,False,False,False,8,UW-454,0.61,term_life,1000000,quarterly,1622.04,30.0,none,,,,True,quota_share,bank,False,False,False,0.001358,0.000805,SOA_2015_VBT,SOA_Scale_MP2023,0.628,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.03,0.0332,False,normal_rate,5.33,1.5,False,False,False,False,False,0.854,70.0,55.0,super_preferred_longevity,100.0,baseline,0.944,0.873,False,,False,,1000000.0,13575.87,13499.15,12976.32,3081.88,False,0,4.03,37.45
LI-2024-INS004-003542,2020-02-24,4,49,53,1971,female,never_smoker,23.6,64,137,LA,USA,married,high_school,hazardous,23714.27,0.3359,non_med_guaranteed,123,80,187,48,3.9,78,4.8,False,90.2,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,4.42,1.0,True,False,False,False,10,UW-355,1.25,term_life,250000,monthly,1343.15,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.005451,0.019667,SOA_2015_VBT,SOA_Scale_MP2023,1.498,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001363,0.018,True,0.00811,1.0,False,,,,0.07,0.1403,False,normal_rate,3.1,2.75,False,False,False,False,False,0.991,45.4,41.4,preferred_longevity,79.6,baseline,1.248,0.565,False,,False,,250000.0,11731.59,10084.04,10745.2,2551.99,False,0,0.23,8.97
LI-2024-INS004-003543,2011-09-06,14,32,46,1979,male,former_smoker,33.0,65,198,SC,USA,widowed,some_college,professional,30113.08,0.9227,full_paramedical,136,81,198,52,3.81,116,5.1,False,,4.1,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-442,1.25,universal_life,500000,annual,2570.64,,10yr_declining,2723.16,,,False,none,captive_agent,False,False,False,0.005126,0.006869,SOA_2015_VBT,SOA_Scale_MP2023,1.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001282,0.018,False,,1.0,False,,,,0.04,0.0385,False,normal_rate,2.13,1.07,False,False,False,False,False,0.921,62.0,48.0,super_preferred_longevity,98.3,baseline,0.808,0.86,False,,False,,497276.84,22495.73,18874.55,20565.12,4884.22,False,0,1.42,16.93
LI-2024-INS004-003544,2004-05-01,14,73,87,1931,male,never_smoker,22.2,66,137,WV,USA,married,graduate,professional,20000.0,0.6004,limited_exam,151,100,255,56,4.55,92,,False,69.1,5.12,True,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-092,2.5,term_life,250000,monthly,4532.73,15.0,none,,,,True,excess_of_loss,independent_broker,True,False,False,0.106478,0.454009,SOA_2015_VBT,SOA_Scale_MP2023,2.633,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.159717,0.005,False,,1.0,False,,,,0.03,0.0366,False,normal_rate,2.46,1.81,False,False,False,False,False,0.795,11.5,1.0,sub_standard_longevity,23.0,baseline,1.05,0.573,False,,False,,250000.0,1913.72,1567.12,1813.09,15501.94,False,0,-0.08,-16.37
LI-2024-INS004-003545,2004-02-15,17,71,88,1933,male,former_smoker,32.4,66,200,NY,USA,married,bachelors,heavy_blue_collar,27756.56,0.7141,full_paramedical,155,96,205,53,3.87,93,5.5,False,66.3,9.92,False,False,False,False,False,none,,none,none,depression,4,False,False,False,True,True,substandard_table_2,1.29,2.0,False,False,False,False,17,UW-137,1.5,universal_life,500000,semi_annual,5320.68,,10yr_declining,6267.33,,,False,none,bank,False,False,False,0.15208,0.296338,SOA_2015_VBT,SOA_Scale_MP2023,1.502,cardiovascular,True,2012-06-22,False,False,785650.32,0.0007,5e-05,1.095,0.07604,0.005,False,,1.0,False,,,,0.04,0.0451,False,normal_rate,6.69,1.23,False,False,False,False,False,0.875,14.2,1.0,sub_standard_longevity,24.7,baseline,0.964,0.867,False,,False,,493732.67,2241.61,2061.67,2128.27,18196.73,False,0,1.43,7.71
LI-2024-INS004-003546,2019-03-21,6,78,84,1941,female,never_smoker,27.4,72,202,NY,USA,married,some_college,heavy_blue_collar,39921.07,0.6185,limited_exam,149,94,228,64,3.56,89,5.7,False,,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,True,False,True,substandard_table_5,0.82,5.0,False,False,False,False,27,UW-284,2.25,universal_life,500000,monthly,7833.81,,10yr_declining,6339.47,,,True,coinsurance,independent_broker,False,False,False,0.064554,0.240883,SOA_2015_VBT,SOA_Scale_MP2023,2.395,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.080692,0.008,False,,1.0,False,,,,0.06,0.0325,False,normal_rate,2.91,1.61,False,False,False,False,False,0.936,12.3,6.3,sub_standard_longevity,31.2,baseline,1.036,0.526,False,,False,,493660.53,18950.39,18123.16,19741.2,23470.1,False,0,2.83,-13.02
LI-2024-INS004-003547,2013-06-07,14,76,90,1937,female,former_smoker,32.2,60,164,AR,USA,married,graduate,white_collar,52991.88,0.237,full_paramedical,139,91,263,36,7.31,108,6.5,False,66.9,,True,False,False,False,False,none,,type_2,none,schizophrenia,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,37,UW-166,2.25,indexed_ul,1000000,annual,18611.7,,10yr_declining,19351.33,,,True,none,bank,False,False,False,0.146614,0.661131,SOA_2015_VBT,SOA_Scale_MP2023,2.465,other,True,2026-03-26,False,False,1079555.08,0.0007,5e-05,1.095,0.183267,0.005,False,,1.0,False,,,,0.04,0.0604,False,normal_rate,0.24,1.69,False,False,False,False,False,0.838,11.9,1.4,sub_standard_longevity,18.2,baseline,1.322,0.328,False,,True,0.259,980648.67,10136.46,10297.3,10422.55,63056.44,False,0,0.65,-16.42
LI-2024-INS004-003548,2015-09-11,4,63,67,1952,male,never_smoker,16.2,66,100,IN,USA,widowed,bachelors,professional,371058.08,0.5818,non_med_guaranteed,130,84,155,64,2.42,113,,False,97.5,9.97,False,False,True,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,39,UW-180,2.5,term_life,2000000,annual,26676.54,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.01907,0.082378,SOA_2015_VBT,SOA_Scale_MP2023,2.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028605,0.012,False,,1.0,False,,,,0.07,0.0864,False,normal_rate,5.79,1.18,False,False,False,False,False,0.926,28.1,24.1,preferred_longevity,67.4,baseline,1.064,0.591,False,,False,,2000000.0,194347.78,205222.3,213412.32,50685.43,False,0,-3.07,-20.0
LI-2024-INS004-003549,2010-12-07,3,29,32,1981,male,never_smoker,27.3,60,139,IL,USA,single,bachelors,professional,225782.88,0.9504,full_paramedical,142,86,219,63,3.48,74,5.2,False,101.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-242,1.25,indexed_ul,1000000,annual,3687.61,,15yr_declining,2543.19,,,True,none,captive_agent,False,False,False,0.001611,0.002163,SOA_2015_VBT,SOA_Scale_MP2023,1.388,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.02,False,,1.0,False,,,,0.08,0.0338,False,normal_rate,3.44,1.4,False,False,False,False,False,0.933,65.6,61.8,super_preferred_longevity,100.0,baseline,0.787,1.0,True,69.8,False,,997456.81,28113.6,30168.99,29500.88,7006.46,False,0,4.6,7.04
LI-2024-INS004-003550,2018-12-19,5,80,85,1938,male,never_smoker,23.7,70,164,MS,USA,divorced,some_college,professional,83887.63,0.5753,limited_exam,166,111,267,56,4.77,106,,False,,18.23,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,41,UW-322,2.5,universal_life,500000,monthly,7829.35,,10yr_declining,5486.14,1832.37,0.334,False,none,direct_to_consumer,False,False,False,0.093081,0.398811,SOA_2015_VBT,SOA_Scale_MP2023,2.606,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.139621,0.005,False,,1.0,False,,,,0.08,0.0375,False,normal_rate,3.11,0.78,False,False,False,False,False,0.801,5.4,1.0,sub_standard_longevity,22.6,baseline,1.069,0.507,True,39.5,False,,494513.86,3413.27,2894.32,3131.74,26776.38,False,0,-2.26,-16.39
LI-2024-INS004-003551,2024-12-16,2,75,77,1949,male,never_smoker,29.0,74,225,RI,USA,single,high_school,white_collar,39708.81,0.4772,full_paramedical,151,95,237,48,4.94,120,5.3,False,82.0,4.06,False,False,False,False,True,melanoma,0.8,none,none,none,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,44,UW-488,2.25,universal_life,250000,annual,3425.99,,10yr_declining,2185.23,,,False,none,independent_broker,False,False,False,0.046963,0.186251,SOA_2015_VBT,SOA_Scale_MP2023,2.378,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058704,0.008,False,,1.0,False,,,,0.08,0.0475,False,normal_rate,2.01,2.71,False,False,False,False,False,0.938,11.9,10.4,standard_longevity,35.3,baseline,1.142,0.505,True,47.9,False,,247814.77,14214.6,14717.13,14252.12,9140.54,False,0,0.13,-15.28
LI-2024-INS004-003552,2003-01-23,14,60,74,1943,male,never_smoker,35.5,72,261,AK,USA,married,some_college,heavy_blue_collar,27626.73,0.6445,full_paramedical,156,103,228,37,6.16,100,5.2,False,58.9,6.72,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,0.87,5.0,False,False,False,False,16,UW-047,2.25,indexed_ul,500000,quarterly,6714.04,,10yr_declining,7518.58,,,False,none,direct_to_consumer,False,False,False,0.034443,0.129961,SOA_2015_VBT,SOA_Scale_MP2023,2.482,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.043053,0.008,False,,1.0,False,,,,0.04,0.0663,False,normal_rate,3.92,1.62,False,False,False,False,False,0.865,26.7,12.7,standard_longevity,41.2,baseline,1.017,0.714,False,,False,,492481.42,31196.9,35758.59,34107.32,16677.68,False,0,0.36,-17.11
LI-2024-INS004-003553,2008-06-26,1,25,26,1983,female,never_smoker,24.4,65,146,WI,USA,divorced,high_school,professional,153684.21,0.7908,full_paramedical,119,64,200,50,4.0,110,,False,,,False,True,False,False,True,melanoma,17.9,none,none,schizophrenia,15,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,39,UW-021,2.25,term_life,250000,quarterly,1115.99,20.0,none,,,,False,none,independent_broker,False,False,False,0.000983,0.003337,SOA_2015_VBT,SOA_Scale_MP2023,2.365,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001229,0.02,False,,1.0,False,,,,0.1,0.1067,False,normal_rate,2.52,1.49,False,False,False,False,False,0.909,70.0,54.1,super_preferred_longevity,100.0,baseline,0.907,0.809,True,28.1,False,,250000.0,8969.63,8438.97,8927.92,2120.38,False,0,3.43,-13.1
LI-2024-INS004-003554,2019-04-21,7,23,30,1996,female,never_smoker,31.5,60,161,WI,USA,divorced,some_college,light_blue_collar,55227.92,0.4761,full_paramedical,136,79,224,59,3.8,101,5.5,False,91.5,,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-341,1.25,term_life,5000000,monthly,17656.67,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.001168,0.002106,SOA_2015_VBT,SOA_Scale_MP2023,1.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000292,0.022,False,,1.0,False,,,,0.05,0.066,False,normal_rate,4.76,0.62,False,False,False,False,False,0.962,70.0,55.0,super_preferred_longevity,100.0,baseline,1.143,0.572,False,,False,,5000000.0,135960.23,140604.08,141253.36,33547.67,False,0,2.46,13.36
LI-2024-INS004-003555,2013-06-23,6,68,74,1945,female,former_smoker,29.3,60,150,MD,USA,single,less_than_hs,light_blue_collar,27138.91,0.2907,full_paramedical,136,89,258,39,6.62,130,8.3,False,79.6,,False,False,False,False,False,none,,type_2,none,bipolar,9,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,40,UW-065,2.25,term_life,500000,annual,6143.69,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.0364,0.161368,SOA_2015_VBT,SOA_Scale_MP2023,2.483,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0455,0.008,False,,1.0,False,,,,0.05,0.1027,False,normal_rate,2.32,2.18,False,False,False,False,False,0.974,21.6,15.6,standard_longevity,40.3,baseline,1.282,0.261,False,,False,,500000.0,41087.62,39483.61,38336.63,13835.59,False,0,0.92,-17.66
LI-2024-INS004-003556,2014-03-02,9,57,66,1957,female,never_smoker,18.2,68,119,FL,USA,married,some_college,light_blue_collar,28591.73,0.6114,full_paramedical,138,76,231,67,3.45,94,,False,95.0,,False,False,False,False,False,none,,none,none,none,1,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-486,1.25,whole_life,500000,quarterly,3531.02,,none,3161.73,,,False,none,independent_broker,False,False,False,0.014857,0.026413,SOA_2015_VBT,SOA_Scale_MP2023,1.467,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003714,0.012,False,,1.0,False,,,,0.02,0.0242,False,normal_rate,5.63,1.27,False,False,False,False,False,0.96,36.0,27.0,preferred_longevity,62.2,baseline,1.041,0.591,False,,False,,496838.27,26990.76,26432.82,28248.16,6708.94,False,0,5.11,8.02
LI-2024-INS004-003557,2021-12-08,6,28,34,1993,female,never_smoker,28.3,61,149,IN,USA,divorced,high_school,light_blue_collar,126822.27,0.9241,full_paramedical,124,78,185,55,3.36,91,,False,87.4,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,23,UW-431,0.56,term_life,2000000,annual,3540.27,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001434,0.004983,SOA_2015_VBT,SOA_Scale_MP2023,0.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00432,1.0,False,,,,0.05,0.048,False,normal_rate,3.67,2.55,False,False,False,False,False,0.835,70.0,56.4,super_preferred_longevity,100.0,baseline,0.807,0.851,True,41.4,False,,2000000.0,27175.52,24309.13,28322.16,6726.51,False,0,3.82,33.62
LI-2024-INS004-003558,2015-11-23,12,28,40,1987,male,former_smoker,38.4,61,203,WY,USA,married,graduate,white_collar,249149.03,0.7376,full_paramedical,119,83,237,30,7.9,97,5.0,False,,0.68,False,False,False,False,False,none,,none,none,bipolar,9,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-394,2.0,indexed_ul,250000,quarterly,1499.62,,15yr_declining,1481.24,,,False,none,captive_agent,True,False,False,0.003357,0.010112,SOA_2015_VBT,SOA_Scale_MP2023,2.125,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003357,0.02,False,,1.0,False,,,,0.04,0.02,False,normal_rate,2.81,2.92,False,False,False,False,False,0.983,66.6,54.6,super_preferred_longevity,100.0,baseline,0.947,0.854,False,,False,,248518.76,12403.56,11675.43,11996.96,2849.28,False,0,0.88,-6.33
LI-2024-INS004-003559,2023-04-14,3,37,40,1986,male,former_smoker,28.8,68,189,CO,USA,married,some_college,professional,24624.9,0.8254,full_paramedical,128,85,273,41,6.66,80,4.9,False,81.2,3.24,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,4,UW-336,1.0,term_life,2000000,monthly,6609.35,30.0,none,,,,True,none,independent_broker,False,False,False,0.003357,0.003194,SOA_2015_VBT,SOA_Scale_MP2023,1.08,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.2362,False,normal_rate,2.28,2.88,False,False,False,True,False,0.926,57.8,54.8,super_preferred_longevity,100.0,baseline,0.881,0.997,False,,False,,2000000.0,48542.24,52110.42,52874.8,12557.77,False,0,2.67,21.81
LI-2024-INS004-003560,2015-12-04,7,37,44,1978,female,former_smoker,30.1,70,209,NE,USA,widowed,some_college,light_blue_collar,46170.42,0.7495,limited_exam,128,77,232,57,4.07,81,5.1,False,101.3,,True,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-110,2.25,term_life,250000,semi_annual,1926.24,30.0,none,,,,False,none,employer_group,False,False,False,0.003542,0.012057,SOA_2015_VBT,SOA_Scale_MP2023,2.297,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004427,0.018,False,,1.0,False,,,,0.05,0.066,False,normal_rate,5.64,0.68,False,False,False,False,False,0.983,60.1,54.5,super_preferred_longevity,100.0,baseline,0.938,0.842,True,42.0,False,,250000.0,14349.82,15273.18,15409.92,3659.86,False,0,3.23,-10.56
LI-2024-INS004-003561,2002-03-08,25,65,90,1937,male,never_smoker,23.5,72,173,WA,USA,married,bachelors,professional,122636.79,0.7837,full_paramedical,139,85,248,60,4.13,70,,False,77.0,4.95,False,False,False,False,True,other,8.4,none,none,none,0,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,44,UW-384,1.75,term_life,500000,semi_annual,6614.09,30.0,none,,,,False,none,independent_broker,False,False,False,0.140975,0.346471,SOA_2015_VBT,SOA_Scale_MP2023,1.872,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.105731,0.005,False,,1.0,False,,,,0.03,0.0322,False,normal_rate,3.59,2.27,False,False,False,False,False,0.989,21.1,1.0,sub_standard_longevity,25.8,baseline,0.912,0.849,False,,False,,500000.0,2882.99,2690.29,2645.64,22620.19,False,0,-0.8,-7.71
LI-2024-INS004-003562,2009-07-08,18,39,57,1970,male,current_smoker,31.4,69,212,AK,USA,single,graduate,light_blue_collar,53362.47,0.5895,limited_exam,142,84,225,46,4.89,84,5.0,True,94.4,3.1,False,False,True,False,False,none,,none,mild_gold_1,none,11,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,39,UW-020,2.0,term_life,250000,annual,2605.7,20.0,none,,,,False,none,captive_agent,False,False,False,0.018954,0.062023,SOA_2015_VBT,SOA_Scale_MP2023,2.148,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018954,0.018,False,,1.0,False,,,,0.03,0.0369,False,normal_rate,3.6,2.56,False,False,False,False,False,0.763,55.3,34.7,super_preferred_longevity,83.4,baseline,1.058,0.602,False,,True,-1.765,250000.0,20402.57,21053.9,20845.6,4950.83,False,0,2.78,-0.52
LI-2024-INS004-003563,2018-12-21,8,49,57,1969,male,former_smoker,28.7,71,205,DE,USA,single,bachelors,heavy_blue_collar,79458.75,0.5817,full_paramedical,113,71,232,66,3.52,96,,False,90.4,8.81,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard,0.56,,False,False,False,False,18,UW-450,1.1,term_life,1000000,quarterly,4965.33,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.01232,0.014783,SOA_2015_VBT,SOA_Scale_MP2023,1.034,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001232,0.015,False,,1.0,False,,,,0.05,0.0617,False,normal_rate,3.2,0.89,False,False,False,False,False,0.754,41.9,33.9,preferred_longevity,72.1,baseline,1.064,0.527,False,,False,,1000000.0,41644.97,33869.4,39722.64,9434.13,False,0,1.48,20.36
LI-2024-INS004-003564,2024-08-23,1,18,19,2006,male,never_smoker,25.0,69,169,MD,USA,married,high_school,heavy_blue_collar,69116.26,0.7193,non_med_guaranteed,116,60,223,33,6.76,96,,False,,,False,False,False,False,True,prostate,2.5,none,none,substance_use_disorder,8,False,False,False,False,True,standard,0.8,,False,True,False,False,43,UW-348,1.0,universal_life,250000,monthly,399.44,,10yr_declining,257.38,,,False,none,captive_agent,False,False,False,0.00098,0.001005,SOA_2015_VBT,SOA_Scale_MP2023,1.068,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.12,0.0607,False,normal_rate,2.91,1.92,False,False,False,False,False,0.924,70.0,55.0,super_preferred_longevity,100.0,baseline,0.961,0.71,False,,False,,249742.62,3391.97,2831.4,3195.52,758.94,False,0,4.75,24.45
LI-2024-INS004-003565,2005-06-24,6,59,65,1946,female,former_smoker,28.3,61,149,WI,USA,married,some_college,white_collar,138354.02,0.5109,full_paramedical,137,99,242,43,5.63,112,4.9,False,72.6,,False,False,True,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-118,1.5,group_life,250000,quarterly,2296.08,,none,,,,False,none,employer_group,False,False,False,0.016745,0.037136,SOA_2015_VBT,SOA_Scale_MP2023,1.538,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008373,0.008,False,,1.0,False,,,,0.12,0.1859,False,normal_rate,3.4,1.21,False,False,False,False,False,0.805,34.6,28.6,preferred_longevity,73.1,baseline,1.117,0.439,False,,False,,250000.0,17735.93,17160.74,18368.64,4362.55,False,0,-1.47,6.16
LI-2024-INS004-003566,2024-10-09,1,34,35,1990,female,never_smoker,27.7,70,193,OK,USA,married,graduate,light_blue_collar,63459.39,0.6729,simplified_issue,105,60,180,33,5.45,63,,False,87.8,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-363,1.25,whole_life,250000,semi_annual,932.04,,none,581.73,,,False,none,bank,False,False,False,0.001517,0.002347,SOA_2015_VBT,SOA_Scale_MP2023,1.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000379,0.022,False,,1.0,False,,,,0.06,0.0697,False,normal_rate,2.73,2.32,False,False,False,False,False,0.78,65.0,55.0,super_preferred_longevity,100.0,baseline,0.995,0.681,False,,False,,249418.27,6737.33,7563.49,7456.32,1770.88,False,0,4.15,17.32
LI-2024-INS004-003567,2019-12-28,8,21,29,1998,male,unknown,28.7,70,200,IL,USA,divorced,high_school,light_blue_collar,185573.14,0.4102,simplified_issue,119,72,198,43,4.6,93,5.5,False,94.2,,True,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,,,False,False,False,False,7,UW-354,0.96,term_life,2000000,monthly,4198.09,20.0,none,,,,True,coinsurance,employer_group,True,False,False,0.001603,0.001801,SOA_2015_VBT,SOA_Scale_MP2023,0.942,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.0823,False,normal_rate,1.75,2.61,False,False,False,False,False,0.937,70.0,55.0,super_preferred_longevity,100.0,baseline,1.192,0.383,False,,False,,2000000.0,35010.29,35190.72,33584.72,7976.37,False,0,7.95,15.07
LI-2024-INS004-003568,2022-10-21,4,69,73,1953,female,current_smoker,28.5,63,160,MI,USA,married,high_school,white_collar,207265.49,0.591,full_paramedical,136,82,219,43,5.09,96,,True,,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,11,UW-406,2.75,term_life,1000000,monthly,16609.05,15.0,none,,,,True,facultative,worksite,False,False,False,0.05213,0.252398,SOA_2015_VBT,SOA_Scale_MP2023,2.843,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.091227,0.012,True,0.00455,1.0,False,,,,0.07,0.0859,False,normal_rate,3.56,0.87,False,False,False,False,False,0.826,23.3,19.3,standard_longevity,50.3,baseline,1.057,0.684,False,,False,,1000000.0,133963.37,127394.66,128221.87,32487.3,False,0,-0.22,-17.11
LI-2024-INS004-003569,2023-11-28,1,43,44,1980,male,never_smoker,27.9,64,162,VT,USA,married,some_college,white_collar,35444.75,0.4145,full_paramedical,126,72,167,49,3.41,82,5.7,False,97.1,2.97,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,preferred_plus,,,False,False,False,False,21,UW-089,0.55,group_life,2000000,monthly,4016.34,,none,,,,True,coinsurance,independent_broker,False,False,False,0.003406,0.002555,SOA_2015_VBT,SOA_Scale_MP2023,0.631,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.18,0.2463,False,normal_rate,5.03,1.78,False,False,False,False,False,0.962,49.3,48.2,super_preferred_longevity,91.0,baseline,1.189,0.349,True,32.8,False,,2000000.0,34039.56,30428.3,32130.72,7631.05,False,0,3.7,23.9
LI-2024-INS004-003570,2010-05-02,17,41,58,1969,female,current_smoker,26.1,59,129,NM,USA,married,high_school,light_blue_collar,28824.84,0.7679,non_med_guaranteed,130,80,192,55,3.49,94,,True,88.1,,False,False,True,False,False,none,,none,mild_gold_1,bipolar,6,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,23,UW-123,2.5,term_life,100000,annual,1254.93,10.0,none,,,,False,none,direct_to_consumer,False,False,False,0.016491,0.065866,SOA_2015_VBT,SOA_Scale_MP2023,2.699,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024736,0.015,False,,1.0,False,,,,0.03,0.0456,False,normal_rate,3.64,2.47,False,False,False,False,False,0.988,57.6,48.4,super_preferred_longevity,100.0,baseline,0.924,0.685,True,86.8,False,,100000.0,10486.38,10399.29,10039.44,2384.37,False,0,0.76,-14.22
LI-2024-INS004-003571,2010-01-04,5,33,38,1977,female,never_smoker,16.2,69,109,NH,USA,married,high_school,white_collar,215008.19,0.2239,simplified_issue,121,69,209,55,3.8,86,5.4,False,92.3,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-176,2.25,whole_life,1000000,annual,7903.4,,none,6246.15,4103.72,0.657,True,quota_share,independent_broker,False,False,False,0.001816,0.008154,SOA_2015_VBT,SOA_Scale_MP2023,2.432,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.018,False,,1.0,False,,,,0.04,0.0511,False,normal_rate,7.14,0.77,False,False,False,False,False,0.996,61.9,64.8,super_preferred_longevity,100.0,baseline,1.332,0.357,True,83.9,False,,993753.85,68927.54,62046.0,63227.2,15016.46,False,0,-2.24,-20.0
LI-2024-INS004-003572,2020-06-04,7,66,73,1954,female,never_smoker,29.5,60,151,OH,USA,single,bachelors,light_blue_collar,46931.28,0.801,full_paramedical,145,91,254,42,6.05,111,5.4,False,62.5,,False,False,False,False,False,none,,none,none,none,10,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,51,UW-329,1.5,whole_life,1000000,monthly,8703.49,,none,7427.1,,,True,quota_share,independent_broker,False,False,False,0.026382,0.055644,SOA_2015_VBT,SOA_Scale_MP2023,1.674,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013191,0.012,True,0.00274,1.0,False,,,,0.02,0.0212,False,normal_rate,2.94,1.64,False,False,False,False,False,0.84,27.3,20.3,standard_longevity,55.0,baseline,0.899,0.711,False,,False,,992572.9,73895.54,63497.88,69627.92,16536.63,False,0,0.66,14.65
LI-2024-INS004-003573,2011-08-08,10,35,45,1976,female,never_smoker,24.8,61,131,CA,USA,married,some_college,light_blue_collar,62523.54,0.6226,full_paramedical,142,94,121,61,1.98,83,,False,93.7,,False,True,False,False,True,breast,2.0,none,none,none,15,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,24,UW-042,2.0,term_life,1000000,monthly,8049.36,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.00293,0.009452,SOA_2015_VBT,SOA_Scale_MP2023,2.155,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00293,0.018,False,,1.0,False,,,,0.05,0.0601,False,normal_rate,3.43,2.18,False,False,False,False,False,0.768,61.3,51.3,super_preferred_longevity,98.8,baseline,1.033,0.901,False,,False,,1000000.0,61640.96,65848.35,64394.88,15293.78,False,0,2.67,-4.27
LI-2024-INS004-003574,2001-04-26,9,57,66,1944,male,never_smoker,33.4,63,188,CO,USA,divorced,bachelors,white_collar,20000.0,0.7758,full_paramedical,120,80,220,44,5.0,67,5.6,False,80.0,2.89,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-082,2.0,annuity_deferred,1000000,monthly,10946.74,,none,9105.67,,,True,none,independent_broker,True,False,False,0.01728,0.051279,SOA_2015_VBT,SOA_Scale_MP2023,2.143,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01728,0.008,False,,1.0,False,,,,0.02,0.0216,False,normal_rate,4.28,2.1,False,False,False,False,False,0.836,30.3,23.7,standard_longevity,59.7,baseline,0.918,0.776,True,66.8,False,,990894.33,94698.92,74991.15,87573.92,20798.81,False,0,1.56,-3.68
LI-2024-INS004-003575,2000-08-22,11,67,78,1933,male,never_smoker,28.2,67,180,LA,USA,single,graduate,professional,72934.86,0.8019,accelerated_UW,130,84,234,34,6.88,120,5.2,False,,12.35,False,False,False,False,False,none,,none,none,none,15,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,16,UW-040,1.5,universal_life,500000,monthly,5370.48,,10yr_declining,4855.26,,,False,none,employer_group,False,False,False,0.049629,0.098932,SOA_2015_VBT,SOA_Scale_MP2023,1.662,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024814,0.005,False,,1.0,False,,,,0.04,0.1551,True,normal_rate,5.43,2.86,False,False,False,False,False,0.752,18.6,7.6,standard_longevity,35.9,baseline,0.899,0.952,False,,False,,495144.74,16207.5,14984.25,16326.26,15531.43,False,0,2.21,11.75
LI-2024-INS004-003576,2004-09-22,12,65,77,1939,female,former_smoker,21.8,64,127,NC,USA,married,some_college,white_collar,49300.16,0.3045,limited_exam,138,90,224,47,4.77,98,4.9,False,77.4,,False,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-080,2.25,universal_life,1000000,quarterly,16396.03,,10yr_declining,15702.93,,,True,none,worksite,False,False,False,0.048753,0.214567,SOA_2015_VBT,SOA_Scale_MP2023,2.478,cancer,True,2007-05-25,False,False,1704743.28,0.0007,5e-05,1.095,0.060941,0.005,False,,1.0,False,,,,0.04,0.0583,False,normal_rate,2.98,1.29,False,False,False,False,False,0.934,26.5,14.5,standard_longevity,48.8,baseline,1.272,0.288,False,,False,,984297.07,86713.09,84185.31,95096.97,38366.71,False,0,-2.07,-15.52
LI-2024-INS004-003577,2011-01-21,10,31,41,1980,male,current_smoker,27.3,71,195,NE,USA,married,some_college,white_collar,66525.79,0.6927,full_paramedical,118,75,184,60,3.07,102,,True,108.9,2.56,False,False,True,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,30,UW-428,1.75,whole_life,1000000,annual,5557.45,,none,5065.58,,,True,quota_share,bank,False,False,False,0.005523,0.014912,SOA_2015_VBT,SOA_Scale_MP2023,1.989,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004142,0.02,False,,1.0,False,,,,0.02,0.0229,False,normal_rate,5.3,1.92,False,False,False,False,False,0.994,65.4,55.0,super_preferred_longevity,100.0,baseline,0.98,0.68,False,,False,,994934.42,40245.87,43065.12,44459.6,10559.16,False,0,-0.81,4.59
LI-2024-INS004-003578,2016-12-11,4,56,60,1960,female,unknown,24.8,62,135,AL,USA,single,some_college,heavy_blue_collar,51386.94,0.216,accelerated_UW,134,72,196,51,3.84,101,5.5,False,76.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,True,True,standard,1.3,,False,True,False,True,29,UW-047,1.0,term_life,500000,annual,2203.84,20.0,none,,,,False,none,employer_group,False,False,False,0.010414,0.014449,SOA_2015_VBT,SOA_Scale_MP2023,1.037,neurological,True,2019-10-29,False,False,280985.68,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.07,0.1796,False,normal_rate,3.85,1.49,False,False,False,False,False,0.98,36.1,32.1,preferred_longevity,63.9,baseline,1.338,0.288,False,,False,,500000.0,17504.3,15711.93,17630.72,4187.3,False,0,1.92,15.24
LI-2024-INS004-003579,2023-12-18,3,31,34,1992,male,never_smoker,31.7,67,202,PA,USA,married,some_college,professional,49664.2,0.4945,full_paramedical,134,86,223,60,3.72,110,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-173,2.25,universal_life,500000,monthly,3428.9,,10yr_declining,2171.76,,,False,none,worksite,False,False,False,0.001792,0.007122,SOA_2015_VBT,SOA_Scale_MP2023,2.412,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002241,0.022,False,,1.0,False,,,,0.08,0.2174,False,normal_rate,2.5,0.95,False,False,False,True,False,0.939,63.5,55.0,super_preferred_longevity,100.0,baseline,1.129,0.439,False,,False,,497828.24,27923.29,27956.01,27431.2,6514.91,False,0,-2.73,-9.37
LI-2024-INS004-003580,2016-12-12,9,20,29,1996,male,current_smoker,36.9,73,279,VT,USA,widowed,bachelors,professional,115135.34,0.5207,full_paramedical,140,88,235,33,7.12,119,8.5,True,112.8,,False,False,False,False,False,none,,type_2,none,substance_use_disorder,10,False,False,False,False,True,substandard_table_7,,7.0,False,False,False,False,52,UW-090,2.75,universal_life,500000,annual,3478.7,,10yr_declining,2966.83,,,False,none,direct_to_consumer,False,False,False,0.002788,0.013955,SOA_2015_VBT,SOA_Scale_MP2023,2.934,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004879,0.022,False,,1.0,False,,,,0.06,0.0485,False,normal_rate,3.71,1.03,False,False,False,False,False,0.84,70.0,55.7,super_preferred_longevity,100.0,baseline,1.109,0.549,True,37.6,False,,497033.17,28778.73,29178.78,27829.6,6609.53,False,0,-0.0,-20.0
LI-2024-INS004-003581,2014-02-28,7,78,85,1936,female,never_smoker,32.2,58,154,MS,USA,single,high_school,white_collar,137164.71,0.8486,accelerated_UW,159,96,200,47,4.26,108,5.9,False,66.8,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,22,UW-430,1.5,term_life,100000,quarterly,983.2,30.0,none,,,,True,none,captive_agent,False,False,False,0.073722,0.145405,SOA_2015_VBT,SOA_Scale_MP2023,1.705,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036861,0.005,False,,1.0,False,,,,0.05,0.0511,False,normal_rate,6.96,2.19,False,False,False,False,False,0.829,12.2,5.2,sub_standard_longevity,33.0,baseline,0.864,0.815,False,,False,,100000.0,2186.22,2073.67,2045.06,3032.19,False,0,2.53,2.0
LI-2024-INS004-003582,2022-09-17,5,44,49,1978,male,never_smoker,25.0,66,155,VA,USA,single,graduate,professional,104278.0,0.582,full_paramedical,124,69,198,51,3.88,82,5.3,False,99.4,1.69,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,15,UW-335,0.56,term_life,250000,quarterly,643.31,30.0,none,,,,False,none,employer_group,False,False,False,0.004956,0.003189,SOA_2015_VBT,SOA_Scale_MP2023,0.605,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.0,1.0,False,,,,0.07,0.1037,False,normal_rate,2.54,2.64,False,False,False,False,False,0.963,48.5,43.5,super_preferred_longevity,86.5,baseline,1.063,0.476,False,,False,,250000.0,4715.6,5028.61,5146.48,1222.29,False,0,5.34,32.76
LI-2024-INS004-003583,2021-04-12,6,59,65,1962,female,never_smoker,22.3,63,125,IA,USA,married,high_school,white_collar,168403.69,0.7672,simplified_issue,112,69,167,52,3.21,93,4.4,False,,,False,False,False,False,False,none,,none,none,anxiety,15,False,False,False,False,False,preferred,,,False,False,False,False,10,UW-162,0.84,whole_life,1000000,annual,4013.08,,none,3076.04,,,True,coinsurance,independent_broker,True,False,False,0.01434,0.012969,SOA_2015_VBT,SOA_Scale_MP2023,0.793,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00245,1.0,False,,,,0.02,0.0884,False,normal_rate,3.22,0.73,False,False,False,True,False,0.982,35.6,29.6,preferred_longevity,68.4,baseline,0.925,0.731,False,,False,,996923.96,29699.55,30026.64,32104.64,7624.85,False,0,7.72,20.23
LI-2024-INS004-003584,2014-10-18,1,78,79,1936,female,unknown,31.4,59,155,GA,USA,married,bachelors,light_blue_collar,120948.84,0.8104,simplified_issue,152,94,230,48,4.79,99,4.3,False,66.2,,False,False,False,True,False,none,,none,none,schizophrenia,0,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,34,UW-382,2.5,indexed_ul,1000000,annual,14304.36,,15yr_declining,9571.68,,,True,excess_of_loss,employer_group,False,False,False,0.050561,0.191099,SOA_2015_VBT,SOA_Scale_MP2023,2.555,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.075842,0.005,False,,1.0,False,,,,0.11,0.0625,False,normal_rate,2.09,1.68,False,False,False,False,False,0.776,12.0,11.7,standard_longevity,42.2,baseline,0.892,0.804,True,52.8,False,,990428.32,72493.77,58190.54,66944.4,36676.38,False,0,1.2,-19.1
LI-2024-INS004-003585,2000-07-18,13,40,53,1960,male,never_smoker,30.7,60,157,MN,USA,single,bachelors,light_blue_collar,35208.85,0.7682,limited_exam,149,95,200,35,5.71,116,4.7,False,81.5,3.53,False,True,False,True,False,none,,none,none,bipolar,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-117,2.5,whole_life,500000,monthly,5005.07,,none,5121.06,,,False,none,employer_group,False,False,False,0.006317,0.024399,SOA_2015_VBT,SOA_Scale_MP2023,2.557,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009476,0.015,False,,1.0,False,,,,0.015,0.0195,False,normal_rate,4.3,2.35,False,False,False,False,False,0.963,50.3,37.4,super_preferred_longevity,80.1,baseline,0.924,0.946,False,,True,0.096,494878.94,43859.93,40153.48,40040.56,9509.63,False,0,3.42,-10.27
LI-2024-INS004-003586,2008-03-14,13,24,37,1984,male,never_smoker,38.6,70,268,WV,USA,widowed,bachelors,heavy_blue_collar,217117.19,0.2396,full_paramedical,125,67,201,34,5.91,122,5.1,False,106.4,,False,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,substandard_table_2,1.48,2.0,False,False,False,False,24,UW-191,1.5,term_life,100000,semi_annual,420.11,20.0,none,,,,False,none,independent_broker,False,False,False,0.002134,0.005502,SOA_2015_VBT,SOA_Scale_MP2023,1.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001067,0.02,False,,1.0,False,,,,0.03,0.0452,False,normal_rate,5.64,2.85,False,False,False,False,False,0.896,68.2,55.0,super_preferred_longevity,98.6,baseline,1.32,0.204,False,,False,,100000.0,3340.11,3326.66,3360.88,798.21,False,0,4.24,1.32
LI-2024-INS004-003587,2000-03-25,9,45,54,1955,female,never_smoker,25.2,64,146,ME,USA,single,bachelors,light_blue_collar,38867.79,0.6132,full_paramedical,124,77,215,60,3.58,102,,False,80.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,11,False,False,False,False,False,standard,,,False,True,False,False,11,UW-142,1.0,indexed_ul,500000,monthly,2224.46,,15yr_declining,1983.85,,,False,none,captive_agent,False,False,False,0.005241,0.005795,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2025-08-17,voluntary_surrender,9.0,0.06,0.0327,False,normal_rate,4.17,1.17,False,False,False,False,False,0.92,47.7,38.7,preferred_longevity,79.7,baseline,1.04,0.733,False,,False,,498016.15,19307.38,16061.75,17795.68,4226.47,False,0,2.64,13.8
LI-2024-INS004-003588,2014-04-05,10,76,86,1938,female,never_smoker,34.4,58,164,ID,USA,married,some_college,professional,69245.34,0.4804,full_paramedical,121,75,269,56,4.8,108,6.4,False,50.5,,False,False,False,False,True,melanoma,0.1,pre_diabetes,none,substance_use_disorder,12,False,False,False,False,True,standard,,,False,True,False,False,36,UW-366,1.0,whole_life,250000,annual,1633.14,,none,1435.57,,,False,none,direct_to_consumer,False,False,False,0.081071,0.095076,SOA_2015_VBT,SOA_Scale_MP2023,1.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.02,0.0368,False,normal_rate,5.49,1.65,False,False,False,False,False,0.925,13.0,3.0,sub_standard_longevity,24.2,baseline,1.14,0.529,False,,False,,248564.43,2017.62,1864.06,1959.77,5324.04,False,0,1.05,20.89
LI-2024-INS004-003589,2017-09-09,2,55,57,1962,male,never_smoker,22.0,69,149,WY,USA,single,bachelors,professional,55159.96,0.6049,full_paramedical,127,67,267,53,5.04,77,,False,72.9,1.36,False,True,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-254,1.25,whole_life,500000,monthly,2625.53,,none,1609.89,,,False,none,captive_agent,False,False,False,0.009057,0.015967,SOA_2015_VBT,SOA_Scale_MP2023,1.446,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002264,0.015,False,,1.0,False,,,,0.04,0.0486,False,normal_rate,4.75,1.32,False,False,False,False,False,0.894,37.9,35.9,super_preferred_longevity,85.4,baseline,1.046,0.672,False,,False,,498390.11,19685.25,21333.17,21004.24,4988.51,False,0,3.79,4.75
LI-2024-INS004-003590,2024-10-06,1,61,62,1963,male,never_smoker,26.8,63,151,IA,USA,single,graduate,professional,241450.61,0.5925,limited_exam,133,84,240,41,5.85,102,5.5,False,65.9,3.11,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-135,2.25,whole_life,1000000,quarterly,12464.24,,none,8217.07,2563.73,0.312,True,coinsurance,captive_agent,False,False,False,0.014051,0.052984,SOA_2015_VBT,SOA_Scale_MP2023,2.388,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017564,0.015,False,,1.0,False,,,,0.06,0.0441,False,normal_rate,1.41,1.88,False,True,False,False,False,0.783,29.0,28.0,preferred_longevity,63.4,baseline,1.056,0.63,False,,False,,991782.93,93388.2,98087.14,99713.92,23682.06,False,0,-1.1,-18.53
LI-2024-INS004-003591,2006-06-20,4,68,72,1938,female,former_smoker,29.0,65,174,WY,USA,married,some_college,professional,20000.0,0.4597,limited_exam,128,89,129,33,3.91,72,4.8,False,88.1,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-395,1.25,whole_life,100000,semi_annual,727.08,,none,524.32,,,False,none,employer_group,False,False,False,0.031346,0.06114,SOA_2015_VBT,SOA_Scale_MP2023,1.472,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007837,0.005,False,,1.0,False,,,,0.04,0.0639,False,normal_rate,2.43,2.34,False,False,False,False,False,0.76,20.9,16.9,standard_longevity,44.7,baseline,1.155,0.619,False,,False,,99475.68,5212.04,5109.09,4915.06,1561.77,False,0,3.16,6.76
LI-2024-INS004-003592,2000-09-19,20,75,95,1925,female,never_smoker,24.0,63,135,IL,USA,married,some_college,white_collar,96359.87,0.4687,full_paramedical,115,66,189,41,4.61,100,6.0,False,32.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-025,1.25,term_life,1000000,quarterly,8609.98,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.119883,0.226994,SOA_2015_VBT,SOA_Scale_MP2023,1.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029971,0.012,False,,1.0,False,,,,0.03,0.0398,False,normal_rate,1.69,0.69,False,False,False,False,False,0.915,12.6,1.0,sub_standard_longevity,21.0,baseline,1.148,0.446,False,,False,,1000000.0,3768.29,3114.22,3443.99,29446.13,False,0,3.16,17.03
LI-2024-INS004-003593,2019-08-21,8,35,43,1984,male,never_smoker,29.2,66,181,CA,USA,widowed,high_school,professional,108305.49,0.8859,full_paramedical,132,79,184,57,3.23,63,,False,,2.02,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard,,,False,False,False,False,20,UW-372,1.02,term_life,2000000,quarterly,8058.76,20.0,none,,,,True,none,captive_agent,False,False,False,0.003171,0.002763,SOA_2015_VBT,SOA_Scale_MP2023,1.019,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,6.3e-05,0.02,False,,1.0,False,,,,0.05,0.0496,False,normal_rate,3.53,2.1,False,False,False,False,False,0.993,59.7,51.7,super_preferred_longevity,100.0,baseline,0.836,0.739,False,,False,,2000000.0,58546.63,55850.88,64470.08,15311.64,False,0,2.73,22.77
LI-2024-INS004-003594,2001-08-05,1,69,70,1932,female,never_smoker,27.1,59,134,MI,USA,married,less_than_hs,heavy_blue_collar,361596.36,0.7666,full_paramedical,128,90,217,43,5.05,117,,False,77.8,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,0.69,5.0,False,False,False,False,9,UW-383,2.25,term_life,250000,quarterly,3689.04,25.0,none,,,,False,none,captive_agent,False,False,False,0.019647,0.068488,SOA_2015_VBT,SOA_Scale_MP2023,2.417,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024559,0.005,False,,1.0,False,,,,0.1,0.1087,False,normal_rate,3.62,0.75,False,False,False,False,False,0.815,20.3,21.0,standard_longevity,55.5,baseline,0.925,0.971,True,60.4,False,,250000.0,29831.62,26572.03,29512.32,7009.18,False,0,-1.02,-13.82
LI-2024-INS004-003595,2021-10-03,2,40,42,1981,male,former_smoker,29.2,60,149,FL,USA,married,some_college,hazardous,152069.62,0.2344,full_paramedical,117,69,231,47,4.91,78,,False,79.4,2.25,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,2.59,,True,False,False,False,29,UW-200,0.94,whole_life,250000,monthly,781.04,,none,491.38,,,False,none,employer_group,False,False,False,0.003844,0.010766,SOA_2015_VBT,SOA_Scale_MP2023,0.924,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00606,1.0,False,,,,0.04,0.1016,False,normal_rate,2.78,2.94,False,False,False,False,False,0.985,51.7,49.7,super_preferred_longevity,90.6,baseline,1.324,0.329,False,,False,,249508.62,6564.79,6270.76,6248.32,1483.98,False,0,0.35,16.67
LI-2024-INS004-003596,2007-08-05,2,72,74,1935,male,former_smoker,29.5,65,177,NE,USA,single,graduate,white_collar,112106.26,0.5771,full_paramedical,128,78,191,46,4.15,97,5.0,False,52.1,16.89,True,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-094,1.25,term_life,1000000,monthly,7468.65,30.0,none,,,,True,excess_of_loss,captive_agent,True,False,False,0.04597,0.079536,SOA_2015_VBT,SOA_Scale_MP2023,1.387,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011492,0.005,False,,1.0,False,,,,0.07,0.0867,False,normal_rate,3.61,0.73,False,False,False,False,False,0.779,16.0,14.0,standard_longevity,52.2,baseline,1.067,0.587,False,,False,,1000000.0,45820.02,36537.13,41824.44,17775.39,False,0,3.89,16.04
LI-2024-INS004-003597,2005-06-27,20,61,81,1944,female,never_smoker,22.9,61,121,FL,USA,married,bachelors,white_collar,140042.12,0.4785,full_paramedical,136,90,135,49,2.76,77,,False,77.9,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-269,1.25,annuity_immediate,500000,annual,4071.2,,none,,,,False,none,worksite,False,False,False,0.051083,0.091349,SOA_2015_VBT,SOA_Scale_MP2023,1.348,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012771,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.27,1.44,False,False,False,False,False,0.843,29.2,9.2,sub_standard_longevity,33.5,baseline,1.141,0.39,False,,False,,500000.0,16012.05,13468.21,14982.02,11252.8,False,0,3.9,9.68
LI-2024-INS004-003598,2012-11-09,14,47,61,1965,female,never_smoker,30.8,66,190,CT,USA,single,high_school,professional,50558.97,0.2597,limited_exam,133,95,244,38,6.42,86,,False,64.8,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-039,2.25,universal_life,250000,monthly,2607.67,,15yr_declining,2695.75,,,False,none,worksite,True,False,False,0.010635,0.045013,SOA_2015_VBT,SOA_Scale_MP2023,2.285,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013294,0.015,False,,1.0,False,,,,0.04,0.0269,False,normal_rate,1.92,2.71,False,False,False,False,False,0.93,46.0,32.0,preferred_longevity,64.4,baseline,1.305,0.284,False,,False,,247304.25,22585.49,18894.94,20861.36,4954.57,False,0,2.72,-19.61
LI-2024-INS004-003599,2011-02-26,8,75,83,1936,male,never_smoker,26.8,71,192,NE,USA,divorced,bachelors,light_blue_collar,216295.59,0.5817,accelerated_UW,122,79,243,53,4.58,75,,False,58.9,7.92,False,False,False,False,False,none,,none,none,anxiety,1,True,False,False,False,False,substandard_table_1,4.88,1.0,True,False,False,True,26,UW-446,1.25,whole_life,500000,annual,4130.58,,none,3360.58,,,False,none,captive_agent,False,False,False,0.077657,0.142992,SOA_2015_VBT,SOA_Scale_MP2023,1.496,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019414,0.005,False,,1.0,False,,,,0.02,0.0247,False,normal_rate,2.76,0.64,False,False,False,False,False,0.906,10.1,2.2,sub_standard_longevity,24.5,baseline,1.064,0.557,True,45.3,False,,496639.42,3516.01,3707.53,3634.91,13730.05,False,0,-0.15,12.53
LI-2024-INS004-003600,2017-03-25,9,59,68,1958,male,never_smoker,24.4,62,133,NH,USA,divorced,high_school,hazardous,171227.72,0.1082,full_paramedical,133,91,172,47,3.66,107,5.5,False,97.7,2.16,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,True,True,substandard_table_5,4.48,5.0,True,False,False,False,51,UW-318,2.25,group_life,500000,annual,6635.54,,none,,,,False,none,worksite,False,False,False,0.022367,0.102187,SOA_2015_VBT,SOA_Scale_MP2023,2.339,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027959,0.012,False,,1.0,False,,,,0.12,0.1936,False,normal_rate,4.54,2.68,False,False,False,False,False,0.906,28.1,17.8,standard_longevity,40.8,baseline,1.419,0.063,False,,True,-0.884,500000.0,50985.86,49157.33,47245.04,13775.38,False,0,3.06,-19.47
LI-2024-INS004-003601,2014-09-16,5,56,61,1958,male,former_smoker,40.3,61,213,WA,USA,married,bachelors,light_blue_collar,103095.28,0.7684,full_paramedical,144,94,264,41,6.44,112,5.2,False,72.7,5.31,False,False,False,False,False,none,,none,none,bipolar,2,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,59,UW-304,2.0,term_life,2000000,annual,19867.93,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.015882,0.048581,SOA_2015_VBT,SOA_Scale_MP2023,2.229,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015882,0.012,False,,1.0,False,,,,0.07,0.076,False,normal_rate,1.23,1.02,False,False,False,False,False,0.842,33.7,28.7,preferred_longevity,67.1,baseline,0.924,0.861,False,,False,,2000000.0,155623.8,161667.1,158943.44,37749.07,False,0,3.18,-9.88
LI-2024-INS004-003602,2012-12-10,9,50,59,1962,female,never_smoker,25.5,64,148,WI,USA,single,graduate,light_blue_collar,68903.84,0.2018,accelerated_UW,143,95,215,48,4.48,92,,False,100.3,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,10,UW-319,1.5,term_life,5000000,annual,33659.27,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.008574,0.02391,SOA_2015_VBT,SOA_Scale_MP2023,1.697,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004287,0.015,False,,1.0,False,,,,0.05,0.0769,False,normal_rate,5.69,0.77,False,False,False,False,False,0.763,42.3,33.3,preferred_longevity,65.5,baseline,1.349,0.117,False,,False,,5000000.0,263483.78,251227.29,269274.16,63952.61,False,0,2.79,2.58
LI-2024-INS004-003603,2009-09-06,15,46,61,1963,male,former_smoker,26.6,62,145,NM,USA,single,graduate,white_collar,28412.89,0.7261,limited_exam,118,69,262,53,4.94,131,6.5,False,75.9,2.6,False,False,False,False,False,none,,type_2,none,anxiety,0,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,35,UW-359,1.5,term_life,500000,quarterly,3958.08,20.0,none,,,,False,none,captive_agent,True,False,False,0.016768,0.034769,SOA_2015_VBT,SOA_Scale_MP2023,1.647,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008384,0.015,False,,1.0,False,,,,0.03,0.0336,False,normal_rate,2.57,2.95,False,False,False,False,False,0.952,44.6,29.6,preferred_longevity,67.8,baseline,0.955,0.794,False,,False,,500000.0,30752.64,28306.91,31664.64,7520.35,False,0,4.25,2.53
LI-2024-INS004-003604,2009-03-20,13,40,53,1969,female,never_smoker,27.0,62,147,CA,USA,married,high_school,light_blue_collar,22951.95,0.4279,full_paramedical,145,93,201,59,3.41,114,5.0,False,83.4,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-353,2.25,group_life,500000,monthly,5670.96,,none,,,,True,none,captive_agent,False,False,False,0.005451,0.022012,SOA_2015_VBT,SOA_Scale_MP2023,2.365,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.015,False,,1.0,False,,,,0.1,0.1358,False,normal_rate,4.13,0.75,False,False,False,False,False,0.967,57.3,44.3,super_preferred_longevity,95.4,baseline,1.179,0.313,False,,False,,500000.0,43621.84,47524.76,45367.68,10774.82,False,0,3.32,-8.8
LI-2024-INS004-003605,2013-04-08,5,46,51,1967,male,never_smoker,20.4,61,107,IA,USA,married,high_school,heavy_blue_collar,108653.42,0.7251,accelerated_UW,129,78,184,62,2.97,72,5.3,False,98.9,5.22,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard,1.35,,False,False,False,True,22,UW-421,1.07,term_life,250000,monthly,1302.53,15.0,none,,,,False,none,direct_to_consumer,True,False,False,0.005801,0.006302,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000406,0.015,False,,1.0,True,2025-11-07,voluntary_surrender,5.0,0.07,0.1098,False,normal_rate,5.19,1.99,False,False,True,False,False,0.901,45.2,40.2,super_preferred_longevity,83.7,baseline,0.956,0.686,False,,False,,250000.0,10087.82,10367.63,10420.24,2474.81,False,0,1.84,21.4
LI-2024-INS004-003606,2014-02-01,5,23,28,1991,female,never_smoker,32.9,68,216,NJ,USA,single,bachelors,white_collar,40656.77,0.979,limited_exam,103,68,204,54,3.78,87,4.8,False,89.4,,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,43,UW-139,2.25,term_life,250000,monthly,1428.62,30.0,none,,,,False,none,independent_broker,False,False,False,0.001067,0.003349,SOA_2015_VBT,SOA_Scale_MP2023,2.466,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.022,False,,1.0,False,,,,0.07,0.0642,False,normal_rate,2.05,1.63,False,False,False,False,False,0.961,70.0,55.0,super_preferred_longevity,100.0,baseline,0.766,1.0,False,,False,,250000.0,10631.2,10395.29,11428.96,2714.38,False,0,-0.93,-10.05
LI-2024-INS004-003607,2015-10-13,6,64,70,1951,female,never_smoker,30.6,69,207,NC,USA,married,bachelors,heavy_blue_collar,93725.82,0.2421,limited_exam,152,98,225,68,3.31,110,,False,77.4,,True,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,1.32,5.0,False,False,False,False,23,UW-005,2.25,whole_life,250000,quarterly,3399.94,,none,2783.66,,,False,none,independent_broker,False,False,False,0.019577,0.082751,SOA_2015_VBT,SOA_Scale_MP2023,2.258,accident,True,2020-08-23,False,False,1370326.14,0.0007,5e-05,1.095,0.024471,0.012,False,,1.0,False,,,,0.02,0.0301,False,normal_rate,5.54,1.22,False,False,False,False,False,0.814,26.6,20.6,standard_longevity,47.0,baseline,1.318,0.236,False,,False,,247216.34,29712.22,28225.84,27199.52,6459.89,False,0,0.61,-16.5
LI-2024-INS004-003608,2019-02-01,1,46,47,1973,female,never_smoker,28.3,67,180,IN,USA,divorced,high_school,heavy_blue_collar,35077.27,0.2814,full_paramedical,121,74,247,37,6.68,97,,False,80.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,0.89,,False,True,False,False,7,UW-101,1.0,term_life,250000,annual,1117.84,15.0,none,,,,False,none,employer_group,False,False,False,0.003401,0.00476,SOA_2015_VBT,SOA_Scale_MP2023,1.086,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.2478,False,normal_rate,3.49,0.73,False,False,False,False,False,0.88,48.5,47.5,super_preferred_longevity,88.0,baseline,1.289,0.281,False,,False,,250000.0,9144.92,8703.71,8942.72,2123.9,False,0,3.47,19.97
LI-2024-INS004-003609,2000-01-04,13,18,31,1982,female,never_smoker,31.0,68,203,CO,USA,married,some_college,professional,106031.38,0.4367,full_paramedical,114,78,196,49,4.0,111,4.9,False,94.6,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,preferred,,,False,False,False,False,4,UW-008,0.79,universal_life,1000000,semi_annual,2266.03,,10yr_declining,2328.46,,,True,none,bank,True,False,False,0.001226,0.001147,SOA_2015_VBT,SOA_Scale_MP2023,0.798,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.054,False,normal_rate,3.71,2.91,False,False,False,False,False,0.816,70.0,52.0,super_preferred_longevity,97.1,baseline,1.172,0.512,True,14.0,False,,997671.54,18179.27,17439.98,18128.24,4305.46,False,0,3.5,28.0
LI-2024-INS004-003610,2024-01-01,1,45,46,1979,male,never_smoker,22.9,76,188,WV,USA,married,some_college,hazardous,42278.62,0.5165,limited_exam,127,78,199,47,4.23,100,5.2,False,68.2,2.66,True,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,4.01,,True,False,False,False,12,UW-364,0.61,whole_life,500000,annual,1279.56,,none,797.54,,,False,none,independent_broker,False,False,False,0.003943,0.002453,SOA_2015_VBT,SOA_Scale_MP2023,0.559,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0772,False,normal_rate,3.14,1.63,False,False,False,False,False,0.977,47.4,48.1,super_preferred_longevity,92.4,baseline,1.113,0.502,False,,True,1.108,499202.46,10140.25,10295.49,10236.48,2431.16,False,0,5.5,31.21
LI-2024-INS004-003611,2020-07-14,7,63,70,1957,non_binary,never_smoker,29.0,63,163,SD,USA,married,bachelors,white_collar,20000.0,0.7309,full_paramedical,107,77,229,38,6.03,77,5.1,False,84.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,20,UW-282,2.25,universal_life,250000,annual,3559.47,,15yr_declining,2749.33,,,False,none,captive_agent,False,False,False,0.023678,0.086855,SOA_2015_VBT,SOA_Scale_MP2023,2.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029598,0.012,True,0.00405,1.0,False,,,,0.06,0.0301,False,normal_rate,3.2,2.63,False,False,False,False,False,0.899,26.4,19.4,standard_longevity,52.6,baseline,0.952,0.744,False,,False,,247250.67,29104.1,25756.76,27621.49,6933.85,False,0,-0.02,-9.7
LI-2024-INS004-003612,2007-07-01,4,63,67,1944,male,former_smoker,37.0,72,272,NJ,USA,single,high_school,heavy_blue_collar,20000.0,0.3498,full_paramedical,156,99,234,54,4.33,100,5.4,False,82.7,1.98,False,False,False,False,True,lung,1.9,none,none,bipolar,2,False,False,False,False,True,substandard_table_12,0.71,12.0,False,False,False,False,36,UW-209,4.0,whole_life,1000000,annual,24921.28,,none,16794.44,,,True,none,direct_to_consumer,True,False,False,0.024502,0.253241,SOA_2015_VBT,SOA_Scale_MP2023,5.927,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.073506,0.008,False,,1.0,False,,,,0.04,0.0795,False,normal_rate,3.83,2.33,True,False,False,False,False,0.836,22.6,18.6,standard_longevity,45.6,baseline,1.238,0.474,False,,False,,983205.56,193471.53,165147.15,185414.32,50141.62,False,0,-5.0,-20.0
LI-2024-INS004-003613,2023-01-05,3,68,71,1955,male,former_smoker,27.2,69,184,AL,USA,married,high_school,hazardous,156310.22,0.4664,full_paramedical,153,105,248,76,3.26,109,,False,73.3,3.52,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_4,4.12,4.0,True,False,False,False,39,UW-164,2.0,annuity_immediate,500000,monthly,6631.31,,none,,,,False,none,captive_agent,False,False,False,0.036433,0.122589,SOA_2015_VBT,SOA_Scale_MP2023,2.056,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036433,0.012,False,,1.0,False,,,,0.005,0.0066,False,normal_rate,1.53,1.8,False,False,False,False,False,0.806,20.1,17.1,standard_longevity,45.1,baseline,1.15,0.348,False,,False,,500000.0,44359.39,39729.23,45358.16,14137.95,False,0,3.94,-10.43
LI-2024-INS004-003614,2003-06-27,20,64,84,1939,male,never_smoker,33.0,69,223,UT,USA,married,bachelors,professional,115425.78,0.2684,simplified_issue,134,91,234,51,4.59,109,5.6,False,88.9,5.57,False,False,False,False,True,prostate,2.9,none,none,none,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,24,UW-318,2.0,term_life,250000,monthly,3381.78,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.085892,0.325049,SOA_2015_VBT,SOA_Scale_MP2023,2.144,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.085892,0.005,False,,1.0,False,,,,0.03,0.0624,False,normal_rate,2.86,0.58,False,False,False,False,False,0.836,20.3,1.1,sub_standard_longevity,18.2,baseline,1.299,0.262,True,69.6,False,,250000.0,1450.49,1326.8,1487.98,11538.63,False,0,-0.18,-12.27
LI-2024-INS004-003615,2015-03-10,2,70,72,1945,female,never_smoker,21.5,65,129,GA,USA,widowed,graduate,light_blue_collar,54960.81,0.676,accelerated_UW,117,73,247,63,3.92,77,6.1,False,,,False,False,False,False,True,breast,0.3,none,none,none,5,False,False,False,True,True,standard,,,False,True,False,True,33,UW-494,1.0,group_life,500000,monthly,2972.72,,none,,,,False,none,bank,False,False,False,0.02351,0.023602,SOA_2015_VBT,SOA_Scale_MP2023,1.011,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.15,0.1739,False,normal_rate,3.53,1.67,False,False,False,False,False,0.992,21.1,21.1,standard_longevity,54.3,baseline,0.993,0.656,True,65.5,False,,500000.0,25694.59,24913.01,23781.76,5648.17,False,0,3.32,13.43
LI-2024-INS004-003616,2010-09-08,8,22,30,1988,female,never_smoker,28.9,71,207,HI,USA,married,graduate,white_collar,124150.21,0.8788,limited_exam,114,68,141,45,3.13,114,5.4,False,97.7,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,True,False,True,preferred_plus,,,False,False,False,False,48,UW-153,0.59,whole_life,250000,annual,364.87,,none,306.31,,,False,none,bank,False,False,False,0.001168,0.000611,SOA_2015_VBT,SOA_Scale_MP2023,0.622,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0199,False,normal_rate,3.92,0.63,False,False,False,False,False,0.774,70.0,59.7,super_preferred_longevity,100.0,baseline,0.841,1.0,True,59.6,False,,249693.69,2816.85,2611.67,2918.96,693.25,False,0,5.41,32.39
LI-2024-INS004-003617,2016-01-14,5,48,53,1968,male,current_smoker,15.8,67,100,GA,USA,divorced,some_college,professional,104270.03,0.7601,full_paramedical,129,73,153,68,2.25,73,5.1,True,82.0,2.76,False,False,False,False,False,none,,none,mild_gold_1,schizophrenia,10,False,False,False,True,True,declined,,,False,False,True,False,52,UW-075,7.0,term_life,500000,monthly,14049.67,10.0,none,,,,False,none,bank,False,False,False,0.013626,0.167049,SOA_2015_VBT,SOA_Scale_MP2023,6.731,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.081758,0.015,False,,1.0,False,,,,0.07,0.0764,False,normal_rate,2.85,0.76,False,False,False,False,False,0.787,43.4,44.0,super_preferred_longevity,89.9,baseline,0.93,0.734,True,75.8,False,,500000.0,107473.48,102784.78,112397.36,26694.37,False,0,-5.0,-20.0
LI-2024-INS004-003618,2003-01-24,12,33,45,1970,female,never_smoker,28.9,67,184,NC,USA,married,bachelors,professional,359263.45,0.476,limited_exam,114,76,162,49,3.31,117,5.3,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,22,UW-304,0.64,group_life,1000000,quarterly,2551.34,,none,,,,True,none,independent_broker,False,False,False,0.00293,0.00217,SOA_2015_VBT,SOA_Scale_MP2023,0.648,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.1319,False,normal_rate,5.5,2.43,False,False,False,False,False,0.938,61.8,49.8,super_preferred_longevity,94.3,baseline,1.143,0.569,False,,False,,1000000.0,18773.1,18912.79,20410.72,4847.55,False,0,2.02,25.96
LI-2024-INS004-003619,2023-11-07,3,64,67,1959,female,former_smoker,26.6,69,180,MD,USA,single,bachelors,professional,125824.46,0.6938,full_paramedical,116,72,239,38,6.29,68,5.2,False,73.8,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-018,1.5,term_life,500000,monthly,4401.27,15.0,none,,,,False,none,captive_agent,False,False,False,0.021582,0.04631,SOA_2015_VBT,SOA_Scale_MP2023,1.68,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010791,0.012,False,,1.0,False,,,,0.07,0.0801,False,normal_rate,3.91,1.0,False,False,False,False,False,0.927,29.6,26.6,preferred_longevity,62.8,baseline,0.98,0.794,False,,False,,500000.0,32999.43,33459.41,35210.16,8362.41,False,0,4.71,5.03
LI-2024-INS004-003620,2013-03-15,3,51,54,1962,female,never_smoker,30.2,60,154,AZ,USA,married,bachelors,white_collar,98765.85,0.6351,full_paramedical,108,63,244,38,6.42,131,6.6,False,72.1,,False,False,True,False,False,none,,type_2,none,none,2,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,23,UW-403,1.5,universal_life,5000000,monthly,35704.34,,10yr_declining,23361.84,,,True,excess_of_loss,independent_broker,False,False,False,0.005651,0.011625,SOA_2015_VBT,SOA_Scale_MP2023,1.521,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002826,0.015,False,,1.0,False,,,,0.08,0.0429,False,normal_rate,2.77,1.96,False,False,False,False,False,0.902,46.0,43.0,super_preferred_longevity,96.5,baseline,1.024,0.52,False,,False,,4976638.16,260833.88,251135.79,285634.72,67838.25,False,0,6.96,6.95
LI-2024-INS004-003621,2001-01-08,1,30,31,1971,female,never_smoker,25.6,62,139,MN,USA,married,some_college,heavy_blue_collar,35911.45,0.3356,non_med_guaranteed,148,87,180,61,2.95,123,,False,117.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,1.41,2.0,False,False,False,False,20,UW-040,1.5,whole_life,500000,monthly,1779.54,,none,1040.98,,,False,none,captive_agent,False,False,False,0.001226,0.003026,SOA_2015_VBT,SOA_Scale_MP2023,1.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000613,0.018,False,,1.0,False,,,,0.06,0.0859,False,normal_rate,1.81,1.27,False,False,False,False,False,0.828,64.4,55.0,super_preferred_longevity,100.0,baseline,1.248,0.306,False,,False,,498959.02,13874.69,12931.48,14236.32,3381.13,False,0,2.18,5.91
LI-2024-INS004-003622,2020-02-21,4,48,52,1972,male,former_smoker,23.5,67,149,WI,USA,divorced,high_school,professional,64190.45,0.8292,limited_exam,131,82,207,52,3.98,84,5.5,False,82.9,3.01,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,23,UW-269,0.94,term_life,100000,monthly,465.23,25.0,none,,,,False,none,independent_broker,False,False,False,0.00817,0.008724,SOA_2015_VBT,SOA_Scale_MP2023,0.987,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00164,1.0,False,,,,0.07,0.0726,False,normal_rate,5.61,1.82,False,False,False,False,False,0.839,44.6,48.6,super_preferred_longevity,97.8,baseline,0.878,0.973,True,88.2,False,,100000.0,3701.04,3751.67,3721.84,883.94,False,0,3.38,20.52
LI-2024-INS004-003623,2003-11-04,5,44,49,1959,male,never_smoker,24.0,62,131,MI,USA,married,high_school,white_collar,22934.49,0.8282,full_paramedical,146,90,228,49,4.65,78,5.4,False,,1.42,True,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-391,1.5,term_life,250000,semi_annual,1744.21,25.0,none,,,,False,none,captive_agent,False,False,False,0.00461,0.009374,SOA_2015_VBT,SOA_Scale_MP2023,1.745,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002305,0.012,False,,1.0,False,,,,0.07,0.2663,False,normal_rate,3.28,2.19,False,False,False,True,False,0.922,49.1,44.1,super_preferred_longevity,100.0,baseline,0.879,0.912,False,,False,,250000.0,13389.37,11997.76,13953.68,3314.0,False,0,1.71,14.64
LI-2024-INS004-003624,2016-08-03,4,25,29,1991,male,former_smoker,20.4,72,150,RI,USA,married,high_school,heavy_blue_collar,84655.19,0.48,simplified_issue,116,69,205,64,3.2,106,4.8,False,111.0,,False,False,True,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,1.11,4.0,False,False,False,False,24,UW-227,2.0,whole_life,250000,quarterly,1108.94,,none,819.61,,,False,none,captive_agent,False,False,False,0.001812,0.006275,SOA_2015_VBT,SOA_Scale_MP2023,2.16,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001812,0.022,False,,1.0,False,,,,0.04,0.0526,False,normal_rate,6.24,1.15,False,False,False,False,False,0.929,70.0,55.0,super_preferred_longevity,100.0,baseline,1.14,0.6,False,,False,,249180.39,9212.86,8554.24,8871.52,2106.99,False,0,-1.59,-5.08
LI-2024-INS004-003625,2019-08-04,6,58,64,1961,male,never_smoker,15.0,66,92,CT,USA,single,bachelors,professional,38491.25,0.7849,full_paramedical,111,74,204,60,3.4,60,5.5,False,79.9,0.99,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,declined,,,False,False,True,False,12,UW-103,7.0,group_life,500000,semi_annual,16903.06,,none,,,,False,none,employer_group,False,False,False,0.016193,0.212741,SOA_2015_VBT,SOA_Scale_MP2023,7.832,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.097161,0.015,False,,1.0,False,,,,0.12,0.1544,False,normal_rate,3.76,2.51,False,False,False,False,False,0.768,32.5,25.7,preferred_longevity,62.8,baseline,0.911,0.869,True,23.1,False,,500000.0,143844.09,120501.96,135224.48,32115.81,False,0,-5.0,-20.0
LI-2024-INS004-003626,2014-05-02,11,56,67,1958,female,never_smoker,25.5,71,182,OK,USA,married,bachelors,light_blue_collar,60053.49,0.5546,full_paramedical,130,82,217,42,5.17,113,,False,68.7,,False,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,47,UW-391,1.25,term_life,100000,quarterly,620.67,20.0,none,,,,False,none,worksite,False,False,False,0.016402,0.030434,SOA_2015_VBT,SOA_Scale_MP2023,1.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004101,0.012,False,,1.0,True,2026-01-25,non_payment,11.0,0.03,0.0377,False,normal_rate,3.37,1.32,False,False,True,False,False,0.968,36.9,25.9,standard_longevity,59.7,baseline,1.084,0.669,False,,False,,100000.0,4487.24,4592.93,4965.36,1179.27,False,0,1.02,9.35
LI-2024-INS004-003627,2017-09-21,3,50,53,1967,female,never_smoker,31.9,72,235,VT,USA,married,some_college,light_blue_collar,38430.24,0.6324,limited_exam,123,75,295,49,6.02,111,4.9,False,84.6,,True,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-124,1.5,universal_life,1000000,quarterly,6268.89,,15yr_declining,4303.21,,,True,excess_of_loss,captive_agent,False,False,False,0.005451,0.011245,SOA_2015_VBT,SOA_Scale_MP2023,1.524,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002725,0.015,False,,1.0,False,,,,0.08,0.043,False,normal_rate,2.58,1.67,False,False,False,False,False,0.829,47.8,44.8,super_preferred_longevity,99.2,baseline,1.026,0.726,False,,False,,995696.79,54719.35,52160.41,50151.12,11910.89,False,0,0.71,5.95
LI-2024-INS004-003628,2006-11-08,20,25,45,1981,female,never_smoker,30.4,66,188,MO,USA,married,some_college,heavy_blue_collar,47697.67,0.9144,full_paramedical,127,64,188,52,3.62,88,,False,93.4,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,preferred,0.84,,False,False,False,False,38,UW-433,0.76,term_life,1000000,monthly,3036.01,20.0,none,,,,True,quota_share,bank,False,False,False,0.00293,0.001927,SOA_2015_VBT,SOA_Scale_MP2023,0.808,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0291,False,normal_rate,2.71,1.16,False,False,False,False,False,0.948,70.0,53.4,super_preferred_longevity,100.0,baseline,0.814,0.858,True,54.6,False,,1000000.0,25903.11,20696.05,24288.08,5768.42,False,0,4.7,24.12
LI-2024-INS004-003629,2006-02-09,1,41,42,1965,male,never_smoker,33.5,67,214,LA,USA,widowed,graduate,professional,78415.12,0.8296,full_paramedical,137,89,243,61,3.98,65,5.3,False,103.1,1.5,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,46,UW-076,2.25,term_life,500000,monthly,4403.35,20.0,none,,,,False,none,captive_agent,False,False,False,0.002957,0.010115,SOA_2015_VBT,SOA_Scale_MP2023,2.473,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003696,0.015,False,,1.0,True,2025-09-05,replacement,1.0,0.1,0.1036,False,normal_rate,1.85,1.34,False,False,False,False,False,0.917,50.3,53.6,super_preferred_longevity,100.0,baseline,0.878,0.773,True,49.6,True,1.213,500000.0,34477.01,33439.2,35226.8,8366.37,False,0,2.56,-11.56
LI-2024-INS004-003630,2006-05-14,7,61,68,1945,male,never_smoker,20.4,60,104,IN,USA,married,some_college,light_blue_collar,59313.6,0.5055,simplified_issue,132,78,242,62,3.9,60,,False,86.1,4.3,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-275,2.0,indexed_ul,1000000,monthly,12993.36,,15yr_declining,10848.31,,,True,none,direct_to_consumer,True,False,False,0.020727,0.068795,SOA_2015_VBT,SOA_Scale_MP2023,2.069,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020727,0.008,False,,1.0,False,,,,0.06,0.049,False,normal_rate,3.46,0.78,False,False,False,False,False,0.86,25.4,18.4,standard_longevity,47.7,baseline,1.121,0.555,False,,False,,989151.69,93290.08,92401.66,95631.13,26350.53,False,0,1.85,-3.94
LI-2024-INS004-003631,2000-06-09,2,52,54,1948,male,former_smoker,27.8,69,188,WV,USA,married,bachelors,professional,222364.25,0.5298,non_med_guaranteed,116,67,232,39,5.95,69,5.9,False,100.7,3.09,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-132,2.25,whole_life,250000,monthly,2766.75,,none,1816.15,,,False,none,direct_to_consumer,False,True,False,0.008383,0.033052,SOA_2015_VBT,SOA_Scale_MP2023,2.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010479,0.008,False,,1.0,False,,,,0.04,0.0715,False,normal_rate,3.93,0.56,True,False,False,False,False,0.987,35.0,33.0,preferred_longevity,69.9,baseline,1.103,0.442,False,,False,,248183.85,21404.36,19905.94,22134.0,5256.82,False,0,0.92,-18.1
LI-2024-INS004-003632,2008-07-09,15,19,34,1989,female,never_smoker,26.8,68,176,MI,USA,married,bachelors,white_collar,82157.82,0.0808,full_paramedical,101,59,241,46,5.24,98,,False,96.2,,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-368,1.25,annuity_deferred,100000,monthly,316.64,,none,353.8,,,False,none,captive_agent,False,False,False,0.001434,0.003122,SOA_2015_VBT,SOA_Scale_MP2023,1.339,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.02,False,,1.0,True,2025-07-13,non_payment,15.0,0.01,0.0164,False,normal_rate,4.59,1.51,False,False,False,False,False,0.869,70.0,55.0,super_preferred_longevity,96.2,baseline,1.439,0.0,False,,False,,99646.2,2336.34,2325.94,2533.12,601.62,False,0,1.56,8.43
LI-2024-INS004-003633,2013-02-20,11,79,90,1934,female,former_smoker,16.7,66,103,DE,USA,married,some_college,hazardous,106669.22,0.3818,limited_exam,130,76,226,68,3.32,72,5.0,False,69.5,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,2.94,4.0,True,False,False,False,15,UW-478,2.0,term_life,500000,annual,7719.44,25.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.144425,0.510764,SOA_2015_VBT,SOA_Scale_MP2023,2.09,cardiovascular,True,2014-06-05,True,False,571645.43,0.0007,5e-05,1.095,0.144425,0.005,False,,1.0,False,,,,0.03,0.0418,False,normal_rate,2.72,2.48,False,False,False,False,False,0.808,9.0,1.0,sub_standard_longevity,19.7,baseline,1.214,0.312,False,,False,,500000.0,3229.05,2660.11,3087.78,26400.48,False,0,-1.66,-6.52
LI-2024-INS004-003634,2014-11-20,8,42,50,1972,female,never_smoker,25.8,58,123,OR,USA,married,bachelors,white_collar,20511.09,0.8391,full_paramedical,124,79,219,42,5.21,109,,False,83.9,,False,False,True,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-202,1.25,universal_life,500000,monthly,2269.31,,15yr_declining,2014.13,,,False,none,captive_agent,False,False,False,0.004288,0.006242,SOA_2015_VBT,SOA_Scale_MP2023,1.385,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001072,0.018,False,,1.0,False,,,,0.06,0.0278,False,normal_rate,4.1,0.52,False,False,False,False,False,0.819,57.6,49.9,super_preferred_longevity,100.0,baseline,0.871,0.782,True,35.1,False,,497985.87,18737.81,16881.77,18154.48,4311.69,False,0,5.38,12.53
LI-2024-INS004-003635,2012-01-08,11,53,64,1959,female,never_smoker,33.5,61,177,NH,USA,married,high_school,professional,77304.61,0.8669,non_med_guaranteed,143,87,251,36,6.97,119,8.7,False,78.6,,False,True,False,False,False,none,,type_2,none,none,0,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,47,UW-202,2.25,term_life,500000,monthly,6503.9,30.0,none,,,,False,none,captive_agent,False,False,False,0.0128,0.04275,SOA_2015_VBT,SOA_Scale_MP2023,2.459,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016001,0.012,False,,1.0,False,,,,0.03,0.0302,False,normal_rate,2.89,2.78,False,False,False,False,False,0.867,41.3,31.8,preferred_longevity,73.2,baseline,0.85,1.0,True,48.9,False,,500000.0,55465.4,48928.94,52031.2,12357.41,False,0,2.83,-10.41
LI-2024-INS004-003636,2018-04-27,2,41,43,1977,female,never_smoker,23.0,59,114,ID,USA,single,bachelors,heavy_blue_collar,45874.65,0.3423,accelerated_UW,104,60,259,53,4.89,72,5.0,False,,,True,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,1.12,1.0,False,False,False,True,27,UW-368,1.25,whole_life,500000,monthly,2121.16,,none,1379.48,,,False,none,direct_to_consumer,False,False,False,0.002537,0.005359,SOA_2015_VBT,SOA_Scale_MP2023,1.498,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000634,0.018,False,,1.0,False,,,,0.04,0.0799,False,normal_rate,1.98,1.39,False,False,False,False,False,0.793,54.4,52.4,super_preferred_longevity,96.2,baseline,1.243,0.147,False,,False,,498620.52,18366.74,17611.19,16969.28,4030.2,False,0,3.7,9.38
LI-2024-INS004-003637,2005-03-06,14,53,67,1952,female,never_smoker,30.2,61,159,CT,USA,married,less_than_hs,heavy_blue_collar,51474.34,0.5241,simplified_issue,143,92,173,43,4.02,83,,False,74.5,,False,False,True,False,False,none,,none,none,anxiety,3,False,False,False,True,True,substandard_table_1,0.66,1.0,False,False,False,False,55,UW-044,1.25,annuity_deferred,1000000,annual,7589.21,,none,7938.85,,,True,none,independent_broker,False,True,False,0.015256,0.026257,SOA_2015_VBT,SOA_Scale_MP2023,1.329,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003814,0.012,False,,1.0,False,,,,0.01,0.0128,False,normal_rate,3.71,2.74,False,False,False,False,False,0.977,41.9,28.6,preferred_longevity,73.3,baseline,1.107,0.53,True,41.5,False,,992061.15,62999.35,57802.77,60713.68,14419.5,False,0,1.22,6.74
LI-2024-INS004-003638,2015-12-21,1,27,28,1988,male,former_smoker,39.0,72,287,ME,USA,widowed,some_college,heavy_blue_collar,42574.46,0.667,limited_exam,127,72,190,62,3.06,105,5.3,False,,,False,False,True,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,0.98,2.0,False,False,False,False,13,UW-367,1.5,term_life,1000000,annual,3791.42,25.0,none,,,,True,quota_share,bank,False,False,False,0.001734,0.00358,SOA_2015_VBT,SOA_Scale_MP2023,1.565,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000867,0.02,False,,1.0,False,,,,0.1,0.1166,False,normal_rate,2.76,0.88,False,False,False,False,False,0.833,70.0,55.0,super_preferred_longevity,100.0,baseline,1.0,0.697,False,,False,,1000000.0,27308.95,28541.63,30331.36,7203.7,False,0,2.86,6.29
LI-2024-INS004-003639,2006-05-10,13,66,79,1940,female,never_smoker,33.7,69,228,IL,USA,married,high_school,professional,43180.12,0.6914,full_paramedical,155,105,261,43,6.07,91,5.2,False,,,False,True,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-178,2.0,universal_life,1000000,annual,11627.09,,10yr_declining,12474.19,,,True,facultative,bank,False,False,False,0.041595,0.132019,SOA_2015_VBT,SOA_Scale_MP2023,2.215,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041595,0.008,False,,1.0,False,,,,0.04,0.0459,False,normal_rate,2.31,1.91,False,False,False,False,False,0.947,27.4,14.4,standard_longevity,54.5,baseline,0.981,0.936,False,,False,,987525.81,66939.0,69744.19,66972.04,27300.41,False,0,-0.71,1.38
LI-2024-INS004-003640,2003-01-15,17,63,80,1940,female,current_smoker,18.2,63,102,MS,USA,married,bachelors,professional,20000.0,0.5071,full_paramedical,128,72,250,61,4.1,92,6.2,True,56.8,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,16,UW-084,2.75,whole_life,500000,annual,10268.82,,none,12364.9,,,False,none,captive_agent,False,False,False,0.090731,0.456844,SOA_2015_VBT,SOA_Scale_MP2023,2.934,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.15878,0.008,False,,1.0,False,,,,0.015,0.0194,False,normal_rate,4.6,1.08,False,False,False,False,False,0.793,26.7,9.7,sub_standard_longevity,34.7,baseline,1.12,0.348,False,,False,,487635.1,42745.36,40081.33,39843.02,27972.27,False,0,-1.93,-20.0
LI-2024-INS004-003641,2009-10-13,9,34,43,1975,female,never_smoker,29.0,58,138,OK,USA,married,bachelors,light_blue_collar,23330.07,0.8776,full_paramedical,116,60,200,45,4.44,86,5.6,False,103.1,,False,False,True,False,False,none,,none,none,anxiety,5,False,False,False,False,False,preferred,,,False,False,False,False,5,UW-125,0.82,term_life,250000,quarterly,681.5,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.002537,0.001683,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0699,False,normal_rate,3.18,2.1,False,False,False,False,False,0.891,66.2,55.0,super_preferred_longevity,100.0,baseline,0.842,1.0,False,,False,,250000.0,5888.42,5110.11,5452.0,1294.85,False,0,3.49,29.63
LI-2024-INS004-003642,2022-11-28,1,61,62,1961,male,former_smoker,31.7,68,208,NH,USA,married,some_college,white_collar,46855.29,0.5936,full_paramedical,118,75,208,67,3.1,110,5.4,False,84.7,2.92,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-054,2.0,term_life,500000,quarterly,5508.04,15.0,none,,,,False,none,independent_broker,False,False,False,0.017723,0.058229,SOA_2015_VBT,SOA_Scale_MP2023,2.002,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017723,0.015,True,0.00308,1.0,False,,,,0.1,0.1225,False,normal_rate,4.36,0.99,False,False,False,False,False,0.904,28.7,27.7,preferred_longevity,63.0,baseline,1.055,0.586,False,,False,,500000.0,48001.54,45693.64,44064.32,10465.28,False,0,3.8,-2.78
LI-2024-INS004-003643,2005-03-08,17,70,87,1935,female,former_smoker,19.3,60,98,MD,USA,married,high_school,white_collar,79716.58,0.7886,full_paramedical,128,73,222,62,3.58,75,,False,51.7,,False,True,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,36,UW-088,2.5,universal_life,250000,monthly,4008.1,,10yr_declining,5021.69,567.45,0.113,False,none,independent_broker,False,False,False,0.11298,0.432763,SOA_2015_VBT,SOA_Scale_MP2023,2.565,cardiovascular,True,2019-12-03,False,False,1892758.44,0.0007,5e-05,1.095,0.16947,0.005,False,,1.0,False,,,,0.04,0.0257,False,normal_rate,6.1,1.33,False,True,False,False,False,0.83,19.8,2.8,sub_standard_longevity,28.5,baseline,0.909,0.911,False,,False,,244978.31,4745.3,4098.04,4489.07,13130.54,False,0,2.93,-14.02
LI-2024-INS004-003644,2005-12-09,5,68,73,1937,female,never_smoker,39.1,61,206,IA,USA,single,some_college,white_collar,202230.97,0.4613,full_paramedical,146,92,299,48,6.23,112,4.9,False,69.8,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,40,UW-136,1.5,whole_life,500000,monthly,4679.4,,none,3274.77,,,False,none,independent_broker,False,False,False,0.026183,0.058899,SOA_2015_VBT,SOA_Scale_MP2023,1.516,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013092,0.005,False,,1.0,False,,,,0.04,0.0532,False,normal_rate,4.25,0.76,False,False,False,False,False,0.918,20.8,18.6,standard_longevity,47.3,baseline,1.154,0.401,True,83.3,False,,496725.23,32808.56,36209.56,34814.74,9414.95,False,0,3.41,6.45
LI-2024-INS004-003645,2016-07-16,5,18,23,1998,male,current_smoker,22.3,60,114,NM,USA,married,high_school,professional,20000.0,0.2676,accelerated_UW,123,84,152,35,4.34,114,5.4,True,85.6,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,True,29,UW-238,2.5,annuity_immediate,250000,monthly,1357.78,,none,,,,True,coinsurance,captive_agent,False,False,False,0.002205,0.011021,SOA_2015_VBT,SOA_Scale_MP2023,2.692,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003308,0.022,False,,1.0,False,,,,0.005,0.0104,False,normal_rate,4.88,0.65,False,False,False,False,False,0.838,70.0,55.0,super_preferred_longevity,99.0,baseline,1.299,0.21,False,,False,,250000.0,10194.37,10324.37,10862.24,2579.78,False,0,3.69,-17.65
LI-2024-INS004-003646,2007-03-15,9,35,44,1972,female,never_smoker,24.1,61,127,SD,USA,single,high_school,professional,79411.52,0.8198,simplified_issue,115,69,184,66,2.79,60,4.8,False,87.0,,False,False,True,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-328,2.0,term_life,500000,monthly,4098.26,20.0,none,,,,False,none,captive_agent,False,False,False,0.002724,0.007958,SOA_2015_VBT,SOA_Scale_MP2023,2.17,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002724,0.018,False,,1.0,False,,,,0.05,0.0522,False,normal_rate,2.49,1.2,False,False,False,False,False,0.781,64.5,55.0,super_preferred_longevity,100.0,baseline,0.885,0.841,False,,False,,500000.0,33330.15,30019.59,32786.08,7786.69,False,0,-1.53,-3.16
LI-2024-INS004-003647,2012-08-27,9,57,66,1955,female,never_smoker,27.4,62,149,NH,USA,married,less_than_hs,professional,48457.6,0.6096,limited_exam,136,79,188,68,2.76,68,,False,70.8,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-301,1.25,term_life,100000,quarterly,596.69,20.0,none,,,,False,none,independent_broker,False,False,False,0.014503,0.023467,SOA_2015_VBT,SOA_Scale_MP2023,1.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003626,0.012,False,,1.0,False,,,,0.05,0.0606,False,normal_rate,3.77,0.94,False,False,False,False,False,0.9,35.6,26.4,preferred_longevity,61.2,baseline,1.043,0.563,False,,True,-0.111,100000.0,4369.12,4104.91,4773.52,1133.71,False,0,-0.73,19.2
LI-2024-INS004-003648,2002-02-23,4,78,82,1924,male,never_smoker,19.6,72,144,TN,USA,married,graduate,white_collar,20000.0,0.8193,limited_exam,139,85,242,65,3.72,86,,False,,3.7,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,44,UW-449,2.0,universal_life,1000000,quarterly,15369.13,,15yr_declining,10867.16,9074.08,0.835,True,quota_share,captive_agent,False,False,False,0.050231,0.150135,SOA_2015_VBT,SOA_Scale_MP2023,2.246,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050231,0.012,False,,1.0,False,,,,0.08,0.0765,False,normal_rate,0.85,2.01,False,False,False,True,False,0.829,6.8,3.4,sub_standard_longevity,29.9,baseline,0.886,0.791,True,53.5,True,0.296,989132.84,20847.97,17954.33,20902.02,49611.55,False,0,1.34,-6.61
LI-2024-INS004-003649,2005-06-17,19,53,72,1952,female,never_smoker,30.9,65,185,IN,USA,married,some_college,hazardous,23927.46,0.2274,limited_exam,148,93,241,63,3.83,115,5.3,False,92.7,,False,False,False,True,False,none,,none,none,bipolar,2,False,False,False,False,True,substandard_table_6,4.83,6.0,True,False,False,False,36,UW-241,2.5,whole_life,250000,monthly,3308.02,,none,4481.86,,,False,none,independent_broker,False,False,False,0.023597,0.117619,SOA_2015_VBT,SOA_Scale_MP2023,2.621,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035396,0.012,False,,1.0,True,2025-09-16,non_payment,19.0,0.015,0.0228,False,normal_rate,3.2,1.19,False,False,False,False,False,0.815,37.7,18.7,standard_longevity,44.0,baseline,1.329,0.129,False,,False,,245518.14,26446.67,23318.55,24743.99,6629.27,False,0,0.64,-19.12
LI-2024-INS004-003650,2015-05-24,11,35,46,1980,female,never_smoker,30.5,70,212,FL,USA,married,bachelors,light_blue_collar,36410.55,0.1454,full_paramedical,138,93,217,57,3.81,111,,False,75.9,,True,False,False,False,False,none,,none,none,depression,8,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,41,UW-489,1.5,universal_life,2000000,monthly,11113.42,,10yr_declining,10490.89,,,True,excess_of_loss,bank,False,False,False,0.003155,0.008282,SOA_2015_VBT,SOA_Scale_MP2023,1.528,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001577,0.02,False,,1.0,True,2026-04-14,non_payment,11.0,0.04,0.1766,True,normal_rate,4.14,2.77,True,False,False,False,False,0.885,60.2,49.2,super_preferred_longevity,88.5,baseline,1.391,0.0,False,,False,,1989509.11,88200.79,93079.42,88907.36,21115.5,False,0,8.14,11.68
LI-2024-INS004-003651,2022-08-24,3,34,37,1988,female,former_smoker,35.9,62,196,PA,USA,divorced,bachelors,white_collar,65672.81,0.6281,accelerated_UW,120,74,252,42,6.0,107,5.8,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,17,UW-361,1.25,term_life,250000,quarterly,878.73,15.0,none,,,,False,none,bank,False,False,False,0.00222,0.008356,SOA_2015_VBT,SOA_Scale_MP2023,1.274,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000555,0.02,True,0.00489,1.0,False,,,,0.07,0.0838,False,normal_rate,2.24,0.64,False,False,False,False,False,0.98,64.3,55.0,super_preferred_longevity,100.0,baseline,1.029,0.538,False,,False,,250000.0,6550.99,7244.19,7029.84,1669.59,False,0,1.24,10.71
LI-2024-INS004-003652,2009-11-04,3,33,36,1976,male,never_smoker,23.2,76,190,GA,USA,single,bachelors,professional,24719.44,0.8444,accelerated_UW,115,71,187,76,2.46,88,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,,,False,True,False,True,22,UW-304,1.0,whole_life,2000000,quarterly,5459.78,,none,3900.12,,,True,facultative,independent_broker,False,True,False,0.00201,0.001871,SOA_2015_VBT,SOA_Scale_MP2023,1.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.041,False,normal_rate,3.76,0.75,False,False,False,False,False,0.999,60.2,55.0,super_preferred_longevity,100.0,baseline,0.867,0.955,False,,False,,1996099.88,45647.61,44617.69,43678.24,10373.58,False,0,6.31,16.87
LI-2024-INS004-003653,2018-05-02,9,21,30,1997,female,never_smoker,25.9,69,175,NH,USA,married,bachelors,professional,151219.63,0.8957,full_paramedical,114,69,183,33,5.55,106,4.8,False,67.5,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,53,UW-327,2.0,term_life,2000000,semi_annual,9944.43,25.0,none,,,,True,none,independent_broker,False,False,False,0.001168,0.003142,SOA_2015_VBT,SOA_Scale_MP2023,2.041,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001168,0.022,False,,1.0,False,,,,0.05,0.0492,False,normal_rate,4.76,2.02,False,False,False,False,False,0.883,70.0,55.0,super_preferred_longevity,100.0,baseline,0.828,1.0,False,,False,,2000000.0,80280.21,74787.91,79555.44,18894.42,False,0,3.12,0.09
LI-2024-INS004-003654,2023-05-27,1,80,81,1943,female,former_smoker,28.0,63,158,NY,USA,married,high_school,heavy_blue_collar,115638.32,0.3839,full_paramedical,138,87,276,42,6.57,114,5.3,False,82.0,,False,True,False,False,False,none,,none,none,depression,1,False,True,False,False,False,substandard_table_2,1.45,2.0,False,False,False,False,16,UW-497,1.5,term_life,500000,annual,5818.87,20.0,none,,,,True,quota_share,worksite,False,False,False,0.065877,0.170037,SOA_2015_VBT,SOA_Scale_MP2023,1.717,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032939,0.008,False,,1.0,False,,,,0.1,0.1393,False,normal_rate,2.07,1.1,False,False,False,False,False,0.983,9.6,8.6,sub_standard_longevity,31.2,baseline,1.212,0.323,False,,False,,500000.0,19206.57,17662.98,20016.91,16362.66,False,0,1.22,4.87
LI-2024-INS004-003655,2009-07-10,11,79,90,1930,male,never_smoker,27.3,75,218,MT,USA,single,some_college,light_blue_collar,70238.4,0.3081,full_paramedical,119,64,228,51,4.47,106,5.9,False,81.3,18.13,False,False,True,False,False,none,,none,none,substance_use_disorder,3,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-226,2.25,term_life,250000,monthly,4230.79,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.136114,0.568949,SOA_2015_VBT,SOA_Scale_MP2023,2.309,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.170142,0.005,False,,1.0,True,2025-12-17,non_payment,11.0,0.03,0.061,False,normal_rate,4.86,0.59,False,False,False,False,False,0.909,7.1,1.1,sub_standard_longevity,28.8,baseline,1.269,0.278,True,56.8,False,,250000.0,1774.51,1907.93,1861.55,14435.45,False,0,0.23,-9.92
LI-2024-INS004-003656,2013-02-12,2,54,56,1959,female,never_smoker,30.3,72,223,VA,USA,single,high_school,white_collar,20000.0,0.6405,non_med_guaranteed,141,92,150,61,2.46,86,5.1,False,99.0,,False,False,True,False,False,none,,none,none,anxiety,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-057,1.25,term_life,2000000,quarterly,12613.66,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.006487,0.010691,SOA_2015_VBT,SOA_Scale_MP2023,1.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001622,0.012,False,,1.0,False,,,,0.07,0.0831,False,normal_rate,5.0,2.93,False,False,False,False,False,0.855,42.4,41.4,super_preferred_longevity,94.2,baseline,1.02,0.58,True,41.2,False,,2000000.0,101037.08,102751.21,100909.28,23965.95,False,0,3.35,21.15
LI-2024-INS004-003657,2005-01-18,16,78,94,1927,male,current_smoker,32.7,70,228,VA,USA,married,some_college,light_blue_collar,89045.7,0.6521,non_med_guaranteed,147,91,267,38,7.03,119,4.7,True,57.6,4.54,False,False,False,False,False,none,,none,very_severe_gold_4,anxiety,6,False,False,False,False,False,substandard_table_12,,12.0,False,False,False,False,7,UW-109,4.0,universal_life,1000000,semi_annual,28297.48,,10yr_declining,31717.14,,,True,facultative,captive_agent,False,False,False,0.283706,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,5.813,cardiovascular,True,2012-09-04,False,False,261176.17,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.04,0.0471,False,normal_rate,2.2,2.24,False,False,False,False,False,0.94,6.6,1.0,sub_standard_longevity,23.8,baseline,1.011,0.653,True,29.3,False,,968282.86,11681.29,10380.04,11318.99,96777.38,False,0,-2.39,-20.0
LI-2024-INS004-003658,2023-03-03,2,73,75,1950,female,never_smoker,28.2,66,174,OR,USA,married,graduate,white_collar,45312.95,0.5364,full_paramedical,142,91,224,42,5.33,93,5.8,False,79.5,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-293,1.25,whole_life,100000,quarterly,854.88,,none,556.0,,,False,none,captive_agent,False,False,False,0.029938,0.049878,SOA_2015_VBT,SOA_Scale_MP2023,1.29,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007484,0.012,False,,1.0,False,,,,0.04,0.0508,False,normal_rate,3.3,1.05,False,False,False,False,False,0.955,18.6,16.6,standard_longevity,45.4,baseline,1.098,0.508,False,,False,,99444.0,5149.33,5498.04,5676.4,1856.8,False,0,0.51,15.49
LI-2024-INS004-003659,2016-06-22,11,26,37,1990,female,current_smoker,28.8,68,189,MD,USA,married,less_than_hs,white_collar,56079.83,0.6965,full_paramedical,112,73,194,51,3.8,94,,True,,,False,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-409,1.5,annuity_immediate,250000,annual,1268.7,,none,,,,False,none,captive_agent,False,False,False,0.003415,0.007266,SOA_2015_VBT,SOA_Scale_MP2023,1.665,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001707,0.022,False,,1.0,False,,,,0.002,0.005,False,normal_rate,4.13,0.68,False,False,False,False,False,0.946,70.0,52.6,super_preferred_longevity,100.0,baseline,0.978,0.618,True,18.1,False,,250000.0,9611.3,9468.95,10149.6,2410.53,False,0,4.6,3.45
LI-2024-INS004-003660,2014-01-16,5,43,48,1971,female,former_smoker,32.2,69,217,WV,USA,married,high_school,light_blue_collar,101418.66,0.7221,simplified_issue,111,73,193,41,4.71,95,4.7,False,96.9,,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,61,UW-268,2.25,term_life,500000,annual,4717.22,20.0,none,,,,False,none,employer_group,False,False,False,0.004771,0.016828,SOA_2015_VBT,SOA_Scale_MP2023,2.376,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005964,0.018,False,,1.0,False,,,,0.07,0.0943,False,normal_rate,2.14,1.02,False,False,False,False,False,0.892,53.0,47.1,super_preferred_longevity,94.0,baseline,0.958,0.529,True,27.3,False,,500000.0,40125.43,36262.87,37737.76,8962.72,False,0,-3.36,-15.83
LI-2024-INS004-003661,2005-08-22,22,33,55,1972,male,never_smoker,28.0,63,158,NE,USA,married,some_college,light_blue_collar,41456.44,0.4637,full_paramedical,126,73,200,52,3.85,111,,False,,1.25,True,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,preferred_plus,,,False,False,False,False,50,UW-093,0.57,group_life,1000000,monthly,2622.36,,none,,,,True,facultative,employer_group,False,False,False,0.008025,0.005169,SOA_2015_VBT,SOA_Scale_MP2023,0.559,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.1595,False,normal_rate,3.49,2.66,True,False,False,False,False,0.849,58.1,41.1,super_preferred_longevity,81.1,baseline,1.152,0.286,True,74.1,False,,1000000.0,19713.22,17843.26,20978.88,4982.48,False,0,4.4,29.53
LI-2024-INS004-003662,2010-10-01,9,67,76,1943,female,unknown,36.7,70,255,WA,USA,married,graduate,light_blue_collar,72628.99,0.7782,limited_exam,140,90,271,25,10.84,135,5.4,False,67.9,,False,False,False,False,True,other,8.7,none,none,none,1,False,False,False,False,True,substandard_table_3,,3.0,False,False,False,False,49,UW-032,1.75,whole_life,500000,quarterly,6337.8,,none,5343.97,,,False,none,independent_broker,False,False,False,0.037734,0.089054,SOA_2015_VBT,SOA_Scale_MP2023,1.757,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028301,0.008,False,,1.0,False,,,,0.02,0.0215,False,normal_rate,4.06,1.45,False,False,False,False,False,0.758,24.2,17.0,standard_longevity,49.7,baseline,0.916,0.791,True,68.8,False,,494656.03,42922.35,44404.37,43097.04,13562.89,False,0,2.05,-2.16
LI-2024-INS004-003663,2000-12-28,14,79,93,1921,female,never_smoker,29.1,65,174,WY,USA,single,high_school,heavy_blue_collar,122864.29,0.5968,full_paramedical,146,97,232,37,6.27,88,4.9,True,,,False,False,False,False,True,breast,3.0,none,none,bipolar,4,False,False,False,False,True,substandard_table_4,0.98,4.0,False,False,False,False,32,UW-022,2.0,term_life,500000,monthly,8796.89,10.0,none,,,,True,facultative,captive_agent,True,False,False,0.194886,0.643231,SOA_2015_VBT,SOA_Scale_MP2023,2.186,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.194886,0.012,False,,1.0,False,,,,0.03,0.0367,False,normal_rate,3.08,2.36,False,False,False,False,False,0.904,8.5,1.0,sub_standard_longevity,23.0,baseline,1.052,0.496,False,,False,,500000.0,3376.64,3401.41,3518.76,30085.36,False,0,-1.68,-1.4
LI-2024-INS004-003664,2008-05-16,13,30,43,1978,female,never_smoker,29.5,69,199,NC,USA,married,less_than_hs,light_blue_collar,58800.19,0.776,full_paramedical,136,87,241,42,5.74,93,4.7,False,89.5,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-273,1.25,universal_life,2000000,monthly,9853.38,,15yr_declining,10171.27,,,True,facultative,employer_group,False,False,False,0.002537,0.003829,SOA_2015_VBT,SOA_Scale_MP2023,1.372,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000634,0.018,False,,1.0,False,,,,0.04,0.0233,False,normal_rate,1.53,2.18,False,False,False,False,False,0.836,67.2,54.2,super_preferred_longevity,100.0,baseline,0.918,0.757,False,,False,,1989828.73,79405.78,76498.59,78827.04,18721.42,False,0,-0.94,18.38
LI-2024-INS004-003665,2001-04-17,15,60,75,1941,male,never_smoker,38.2,71,274,NM,USA,single,some_college,professional,116653.8,0.6628,full_paramedical,151,95,290,38,7.63,108,5.2,False,,13.29,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,47,UW-011,1.5,term_life,250000,monthly,2197.0,20.0,none,,,,False,none,independent_broker,False,False,False,0.036988,0.077252,SOA_2015_VBT,SOA_Scale_MP2023,1.584,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018494,0.008,False,,1.0,False,,,,0.03,0.0351,False,normal_rate,2.58,1.57,False,False,False,False,False,0.804,26.4,12.0,standard_longevity,40.4,baseline,1.003,0.733,True,50.5,False,,250000.0,10206.26,9898.94,10545.6,5580.38,False,0,4.25,7.74
LI-2024-INS004-003666,2014-12-19,8,35,43,1979,male,never_smoker,37.4,62,204,KS,USA,single,some_college,white_collar,60884.12,0.615,accelerated_UW,154,86,248,55,4.51,121,5.7,False,,2.78,False,True,False,False,False,none,,pre_diabetes,none,substance_use_disorder,4,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,53,UW-055,2.25,annuity_immediate,500000,quarterly,4454.79,,none,,,,False,none,captive_agent,False,False,False,0.003171,0.011517,SOA_2015_VBT,SOA_Scale_MP2023,2.293,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003964,0.018,False,,1.0,False,,,,0.003,0.005,False,normal_rate,4.35,1.57,False,False,False,False,False,0.871,57.8,49.8,super_preferred_longevity,96.4,baseline,1.039,0.662,False,,False,,500000.0,36932.54,32676.47,35638.32,8464.1,False,0,1.31,-19.02
LI-2024-INS004-003667,2002-11-03,3,37,40,1965,female,never_smoker,31.1,62,170,WV,USA,single,bachelors,heavy_blue_collar,59797.77,0.2957,full_paramedical,122,74,221,26,8.5,102,5.0,False,,,False,False,False,False,False,none,,none,none,none,1,False,True,False,False,False,substandard_table_3,1.47,3.0,False,False,False,False,28,UW-410,1.75,term_life,100000,monthly,628.16,20.0,none,,,,True,none,captive_agent,False,False,False,0.002066,0.006573,SOA_2015_VBT,SOA_Scale_MP2023,1.902,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00155,0.015,False,,1.0,False,,,,0.07,0.1434,False,normal_rate,3.59,1.92,False,False,False,False,False,0.877,56.1,58.1,super_preferred_longevity,100.0,baseline,1.278,0.299,True,61.8,False,,100000.0,4885.33,4614.55,5025.28,1193.5,False,0,3.67,-7.6
LI-2024-INS004-003668,2002-04-11,14,62,76,1940,male,never_smoker,36.2,60,185,OR,USA,single,graduate,light_blue_collar,309857.54,0.3676,full_paramedical,139,85,260,20,13.0,93,5.4,False,,3.54,False,False,True,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,5,UW-415,1.75,universal_life,250000,monthly,2868.26,,10yr_declining,2960.78,,,False,none,independent_broker,False,False,False,0.040039,0.117579,SOA_2015_VBT,SOA_Scale_MP2023,1.786,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030029,0.008,False,,1.0,False,,,,0.04,0.0562,False,normal_rate,2.66,1.72,False,False,False,False,False,0.968,26.1,13.0,standard_longevity,47.5,baseline,1.224,0.233,True,56.6,False,,247039.22,15431.97,13212.84,14914.95,7055.92,False,0,0.66,-3.26
LI-2024-INS004-003669,2000-07-21,6,59,65,1941,female,never_smoker,30.6,67,195,WI,USA,married,some_college,hazardous,20000.0,0.548,full_paramedical,110,74,279,48,5.81,82,4.8,False,,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,3.31,5.0,True,False,False,False,9,UW-187,2.25,annuity_deferred,1000000,annual,10741.12,,none,8225.72,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.012374,0.047633,SOA_2015_VBT,SOA_Scale_MP2023,2.387,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015468,0.008,False,,1.0,False,,,,0.02,0.0353,False,normal_rate,3.7,1.47,False,False,False,False,False,0.808,31.0,25.0,standard_longevity,58.2,baseline,1.089,0.75,False,,False,,991774.28,82317.09,85619.5,85928.96,20408.13,False,0,2.1,-14.88
LI-2024-INS004-003670,2021-03-01,3,79,82,1942,male,never_smoker,30.8,71,220,IL,USA,married,high_school,light_blue_collar,96174.09,0.4366,limited_exam,141,82,243,52,4.67,102,4.9,False,56.0,2.8,False,True,False,False,False,none,,none,none,schizophrenia,3,True,False,True,False,True,substandard_table_5,2.26,5.0,True,False,False,False,47,UW-438,2.25,term_life,100000,annual,1588.89,10.0,none,,,,False,none,captive_agent,True,False,False,0.068502,0.285036,SOA_2015_VBT,SOA_Scale_MP2023,2.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.085628,0.008,True,0.00157,1.0,False,,,,0.07,0.0946,False,normal_rate,3.54,1.59,False,False,False,False,True,0.879,6.7,3.7,sub_standard_longevity,24.6,baseline,1.173,0.278,False,,False,,100000.0,2510.17,2130.96,2351.56,5090.8,False,0,-1.33,-7.02
LI-2024-INS004-003671,2017-12-23,10,41,51,1976,male,never_smoker,29.3,70,204,KS,USA,married,high_school,white_collar,20000.0,0.5548,full_paramedical,129,79,235,43,5.47,114,,False,88.1,0.82,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-218,1.25,universal_life,1000000,quarterly,5893.96,,15yr_declining,5475.84,,,True,facultative,independent_broker,False,False,False,0.005801,0.009939,SOA_2015_VBT,SOA_Scale_MP2023,1.35,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00145,0.018,False,,1.0,False,,,,0.06,0.0339,False,normal_rate,5.72,2.43,False,False,False,False,False,0.91,51.1,41.1,super_preferred_longevity,82.5,baseline,1.084,0.523,False,,False,,994524.16,45739.51,40406.85,47151.68,11198.52,False,0,4.52,12.88
LI-2024-INS004-003672,2012-10-06,5,49,54,1963,male,never_smoker,28.5,65,171,NY,USA,married,graduate,professional,190975.94,0.6676,full_paramedical,119,67,255,47,5.43,84,5.0,False,93.8,4.95,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-220,1.25,term_life,500000,monthly,2822.39,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.007172,0.010838,SOA_2015_VBT,SOA_Scale_MP2023,1.262,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001793,0.015,False,,1.0,False,,,,0.07,0.1143,False,normal_rate,5.24,0.96,False,False,False,False,False,0.983,41.3,40.4,super_preferred_longevity,83.1,baseline,0.999,0.677,True,67.3,False,,500000.0,20625.6,20224.68,22579.12,5362.54,False,0,3.94,11.76
LI-2024-INS004-003673,2008-12-22,10,56,66,1952,male,never_smoker,28.5,65,171,CT,USA,divorced,graduate,white_collar,76081.73,0.51,full_paramedical,139,86,231,61,3.79,95,5.1,False,82.9,5.95,False,True,False,True,True,lymphoma,16.4,none,none,anxiety,2,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,41,UW-413,3.0,term_life,250000,monthly,3778.8,15.0,none,,,,False,none,captive_agent,False,False,False,0.017483,0.094381,SOA_2015_VBT,SOA_Scale_MP2023,3.041,cancer,True,2009-02-24,True,False,764218.18,0.0007,5e-05,1.095,0.034967,0.012,False,,1.0,False,,,,0.05,0.0646,False,normal_rate,2.49,1.65,False,False,False,False,False,0.768,31.8,23.3,standard_longevity,55.1,baseline,1.117,0.665,True,54.8,False,,250000.0,31853.88,29665.09,30230.4,7179.72,False,0,-1.79,-20.0
LI-2024-INS004-003674,2017-02-14,8,30,38,1987,male,unknown,24.7,65,148,FL,USA,married,bachelors,light_blue_collar,22141.3,0.6226,limited_exam,85,50,201,56,3.59,82,,False,80.0,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,standard,,,False,False,False,False,18,UW-181,1.01,term_life,250000,monthly,799.71,15.0,none,,,,False,none,independent_broker,False,False,False,0.002611,0.002775,SOA_2015_VBT,SOA_Scale_MP2023,1.019,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,2.6e-05,0.02,False,,1.0,False,,,,0.05,0.0601,False,normal_rate,4.59,1.18,False,False,False,False,False,0.85,67.1,55.0,super_preferred_longevity,100.0,baseline,1.033,0.611,False,,False,,250000.0,6758.64,5793.16,6397.68,1519.45,False,0,5.37,16.27
LI-2024-INS004-003675,2013-10-04,14,39,53,1974,male,never_smoker,27.6,62,150,NM,USA,married,graduate,white_collar,128137.71,0.6182,full_paramedical,120,71,230,42,5.48,78,4.5,False,,3.96,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-231,2.25,term_life,1000000,monthly,8855.65,20.0,none,,,,True,none,bank,False,False,False,0.006813,0.025441,SOA_2015_VBT,SOA_Scale_MP2023,2.397,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008516,0.018,False,,1.0,False,,,,0.03,0.0362,False,normal_rate,3.08,2.05,False,False,False,False,False,0.957,53.0,39.0,super_preferred_longevity,80.3,baseline,1.036,0.789,False,,False,,1000000.0,74327.21,71732.33,70845.2,16825.73,False,0,-0.46,-10.69
LI-2024-INS004-003676,2020-01-12,5,19,24,2001,male,never_smoker,30.9,63,174,WV,USA,widowed,bachelors,hazardous,53068.19,0.302,simplified_issue,87,50,143,35,4.09,88,5.9,False,95.7,,False,False,True,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,substandard_table_5,3.41,5.0,True,False,False,False,15,UW-192,2.25,universal_life,100000,monthly,497.13,,10yr_declining,362.17,,,True,none,captive_agent,False,False,False,0.001141,0.004982,SOA_2015_VBT,SOA_Scale_MP2023,2.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001426,0.012,True,4e-05,1.0,False,,,,0.08,0.0525,False,normal_rate,3.1,0.7,False,False,False,False,False,0.787,70.0,55.0,super_preferred_longevity,100.0,baseline,1.274,0.276,False,,False,,99637.83,4131.67,4045.41,3977.04,944.55,False,0,2.47,-12.25
LI-2024-INS004-003677,2017-03-14,9,76,85,1941,female,never_smoker,32.5,71,232,FL,USA,married,less_than_hs,professional,139063.34,0.4966,full_paramedical,156,92,236,48,4.92,110,7.2,False,60.0,,True,False,False,False,False,none,,type_2,none,none,0,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,38,UW-363,1.5,universal_life,500000,annual,5658.08,,15yr_declining,4710.37,,,False,none,employer_group,False,False,False,0.070308,0.167942,SOA_2015_VBT,SOA_Scale_MP2023,1.675,respiratory,True,2020-03-18,False,False,1163040.21,0.0007,5e-05,1.095,0.035154,0.008,False,,1.0,False,,,,0.06,0.0422,False,normal_rate,2.44,1.5,False,False,False,False,False,0.859,13.8,4.8,sub_standard_longevity,27.1,baseline,1.128,0.383,False,,False,,495289.63,11055.72,10632.41,10863.51,17630.58,False,0,6.46,4.46
LI-2024-INS004-003678,2010-05-23,4,27,31,1983,female,never_smoker,31.8,68,209,MA,USA,single,some_college,white_collar,81177.64,0.4361,full_paramedical,149,95,200,44,4.55,101,4.6,False,106.2,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-015,2.25,universal_life,1000000,semi_annual,6548.14,,15yr_declining,4359.43,,,True,facultative,bank,False,False,False,0.001226,0.004975,SOA_2015_VBT,SOA_Scale_MP2023,2.395,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001532,0.02,False,,1.0,False,,,,0.08,0.0486,False,normal_rate,4.03,2.17,False,False,False,False,False,0.762,69.8,55.0,super_preferred_longevity,100.0,baseline,1.173,0.49,False,,False,,995640.57,57234.57,48022.15,52385.12,12441.47,False,0,3.91,-9.12
LI-2024-INS004-003679,2021-12-16,6,69,75,1952,female,former_smoker,41.5,71,297,MD,USA,married,some_college,white_collar,33130.22,0.7157,full_paramedical,139,88,236,30,7.87,122,5.7,False,,,True,False,False,False,False,none,,pre_diabetes,none,anxiety,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,31,UW-006,2.0,universal_life,250000,monthly,2813.1,,15yr_declining,2141.94,,,True,coinsurance,captive_agent,False,False,False,0.039871,0.129825,SOA_2015_VBT,SOA_Scale_MP2023,2.25,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039871,0.012,True,0.00355,1.0,False,,,,0.06,0.0304,False,normal_rate,3.74,2.28,False,False,False,False,False,0.811,23.6,17.6,standard_longevity,49.6,baseline,0.963,0.974,False,,False,,247858.06,19039.4,20180.75,19804.22,5885.01,False,0,3.72,-14.31
LI-2024-INS004-003680,2010-05-22,2,44,46,1966,female,former_smoker,33.8,67,215,WI,USA,married,some_college,white_collar,28789.36,0.379,full_paramedical,138,81,219,50,4.38,120,5.6,False,96.4,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-473,1.25,whole_life,2000000,monthly,9064.84,,none,5473.53,,,True,none,independent_broker,False,False,False,0.004101,0.00811,SOA_2015_VBT,SOA_Scale_MP2023,1.421,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001025,0.015,False,,1.0,False,,,,0.04,0.0559,False,normal_rate,4.68,2.84,False,False,False,False,False,0.931,52.6,50.6,super_preferred_longevity,100.0,baseline,1.216,0.31,False,,False,,1994526.47,74270.66,66329.89,72518.72,17223.2,False,0,3.71,8.91
LI-2024-INS004-003681,2004-08-13,13,59,72,1945,male,never_smoker,26.6,65,159,NM,USA,single,bachelors,heavy_blue_collar,72296.47,0.59,simplified_issue,136,85,224,38,5.89,97,5.6,True,69.1,3.19,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,1.25,4.0,False,False,False,False,23,UW-484,2.0,term_life,250000,annual,3301.88,10.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.058775,0.188801,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058775,0.008,False,,1.0,False,,,,0.03,0.0368,False,normal_rate,3.06,1.82,False,False,False,False,False,0.763,27.8,14.8,standard_longevity,43.6,baseline,1.058,0.51,False,,False,,250000.0,18486.03,17221.51,19547.13,7647.15,False,0,4.6,-10.8
LI-2024-INS004-003682,2023-01-14,1,23,24,2000,female,never_smoker,17.6,62,96,VT,USA,married,high_school,hazardous,37299.55,0.3796,full_paramedical,99,68,156,60,2.6,83,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,3.57,,True,True,False,False,25,UW-076,1.0,whole_life,250000,monthly,455.11,,none,286.18,,,False,none,direct_to_consumer,False,False,False,0.000913,0.001206,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.1173,False,normal_rate,4.67,2.45,False,False,False,False,False,0.841,70.0,55.0,super_preferred_longevity,100.0,baseline,1.215,0.465,False,,False,,249713.82,3657.64,3157.52,3640.88,864.71,False,0,2.7,26.61
LI-2024-INS004-003683,2020-10-02,7,75,82,1945,female,never_smoker,23.9,59,118,NY,USA,married,graduate,heavy_blue_collar,75695.68,0.3127,limited_exam,124,79,205,57,3.6,103,,False,75.6,,False,True,True,False,False,none,,none,none,depression,11,False,False,False,False,False,substandard_table_1,0.85,1.0,False,False,False,False,29,UW-243,1.25,universal_life,500000,annual,4803.37,,10yr_declining,3790.74,,,False,none,captive_agent,False,False,False,0.056139,0.11645,SOA_2015_VBT,SOA_Scale_MP2023,1.399,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014035,0.008,True,0.00303,1.0,False,,,,0.06,0.0391,False,normal_rate,3.43,0.57,False,False,False,False,False,0.961,17.6,10.5,standard_longevity,42.9,baseline,1.265,0.409,True,31.5,False,,496209.26,21830.61,19520.9,20174.15,12776.96,False,0,0.71,10.33
LI-2024-INS004-003684,2024-08-18,3,80,83,1944,male,unknown,24.1,63,136,CO,USA,married,less_than_hs,light_blue_collar,96007.25,0.4439,full_paramedical,136,97,197,59,3.34,100,5.9,False,84.8,5.71,False,False,False,False,False,none,,none,none,anxiety,15,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-014,1.5,group_life,2000000,monthly,23585.6,,none,,,,True,none,independent_broker,False,False,False,0.087248,0.213977,SOA_2015_VBT,SOA_Scale_MP2023,1.673,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.043624,0.008,False,,1.0,False,,,,0.15,0.2017,False,normal_rate,3.6,1.06,False,False,False,False,False,0.844,6.0,3.0,sub_standard_longevity,23.7,baseline,1.167,0.433,False,,False,,2000000.0,26051.79,24180.46,28302.72,76889.06,False,0,3.58,4.1
LI-2024-INS004-003685,2007-02-27,1,52,53,1955,female,former_smoker,34.5,66,214,ND,USA,married,bachelors,professional,38465.78,0.1332,full_paramedical,102,64,160,42,3.81,119,5.3,False,92.0,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-382,1.25,term_life,1000000,monthly,4905.12,10.0,none,,,,True,excess_of_loss,direct_to_consumer,True,False,False,0.00628,0.013211,SOA_2015_VBT,SOA_Scale_MP2023,1.324,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00157,0.012,False,,1.0,False,,,,0.1,0.3123,False,normal_rate,2.85,1.59,False,False,False,False,False,0.95,38.7,47.1,super_preferred_longevity,85.1,baseline,1.4,0.052,True,100.0,False,,1000000.0,40280.76,38898.09,39240.96,9319.73,False,0,3.01,9.35
LI-2024-INS004-003686,2011-06-20,4,36,40,1975,male,never_smoker,29.2,60,149,AR,USA,single,graduate,professional,36948.41,0.6393,simplified_issue,119,71,130,50,2.6,92,,False,81.4,1.43,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,True,True,preferred,,,False,False,False,False,21,UW-189,0.77,term_life,1000000,annual,2450.29,15.0,none,,,,True,quota_share,bank,False,False,False,0.002583,0.002182,SOA_2015_VBT,SOA_Scale_MP2023,0.828,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0832,False,normal_rate,3.49,2.34,False,False,False,False,False,0.833,56.2,52.2,super_preferred_longevity,100.0,baseline,1.021,0.576,False,,False,,1000000.0,21178.49,16676.55,19602.32,4655.55,False,0,5.74,16.51
LI-2024-INS004-003687,2009-07-01,14,56,70,1953,female,never_smoker,37.4,66,231,WY,USA,married,high_school,professional,162875.58,0.2849,full_paramedical,123,76,252,44,5.73,130,5.4,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-294,1.5,whole_life,1000000,quarterly,10045.93,,none,11163.93,,,True,excess_of_loss,captive_agent,False,False,False,0.020055,0.053135,SOA_2015_VBT,SOA_Scale_MP2023,1.671,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010028,0.012,False,,1.0,False,,,,0.015,0.0221,False,normal_rate,3.48,2.34,False,False,False,False,False,0.994,35.0,21.0,standard_longevity,48.3,baseline,1.286,0.355,False,,False,,988836.07,73865.92,81453.42,80367.44,19087.27,False,0,3.08,1.66
LI-2024-INS004-003688,2013-07-03,14,32,46,1981,male,unknown,25.4,68,167,HI,USA,married,graduate,light_blue_collar,20000.0,0.7154,full_paramedical,138,88,207,62,3.34,86,5.7,False,79.1,1.75,False,False,False,False,False,none,,none,none,none,8,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,50,UW-277,1.25,whole_life,1000000,quarterly,5496.08,,none,6150.77,1051.78,0.171,True,quota_share,bank,False,False,False,0.004535,0.007355,SOA_2015_VBT,SOA_Scale_MP2023,1.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001134,0.02,False,,1.0,False,,,,0.015,0.0101,False,normal_rate,2.98,2.82,False,False,False,False,False,0.933,61.6,47.6,super_preferred_longevity,94.6,baseline,0.963,0.646,False,,False,,993849.23,43050.3,38863.72,43968.64,10442.55,False,0,2.31,10.57
LI-2024-INS004-003689,2019-09-06,7,25,32,1994,female,unknown,25.9,68,170,CO,USA,married,some_college,white_collar,121957.13,0.3344,full_paramedical,128,73,153,48,3.19,113,5.3,False,115.8,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-417,1.25,term_life,1000000,quarterly,3319.95,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.001482,0.002928,SOA_2015_VBT,SOA_Scale_MP2023,1.381,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000371,0.022,False,,1.0,False,,,,0.05,0.0716,False,normal_rate,1.8,2.48,False,False,False,False,False,0.985,70.0,55.0,super_preferred_longevity,100.0,baseline,1.249,0.405,True,76.6,True,-0.725,1000000.0,25039.33,27193.66,26559.6,6307.9,False,0,2.97,13.93
LI-2024-INS004-003690,2015-04-13,12,41,53,1974,male,never_smoker,32.7,71,234,VT,USA,married,bachelors,white_collar,75781.59,0.8399,full_paramedical,127,72,170,46,3.7,92,4.7,False,98.1,2.89,False,False,True,False,False,none,,none,none,anxiety,0,False,False,True,False,True,standard_plus,,,False,False,False,False,60,UW-471,0.92,universal_life,2000000,quarterly,8923.21,,10yr_declining,9249.3,,,True,coinsurance,independent_broker,False,False,False,0.006813,0.005454,SOA_2015_VBT,SOA_Scale_MP2023,0.92,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0411,False,normal_rate,2.63,2.17,False,False,False,False,False,0.793,54.9,46.4,super_preferred_longevity,100.0,baseline,0.87,0.972,True,58.8,False,,1990750.7,68175.41,66109.15,71385.68,16954.1,False,0,3.19,24.16
LI-2024-INS004-003691,2024-10-04,1,68,69,1956,female,never_smoker,29.6,66,183,AZ,USA,married,bachelors,professional,25941.86,0.5305,non_med_guaranteed,139,89,256,48,5.33,113,5.0,False,79.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-338,1.25,term_life,1000000,annual,6882.97,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.019057,0.031376,SOA_2015_VBT,SOA_Scale_MP2023,1.267,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004764,0.012,False,,1.0,False,,,,0.1,0.1276,False,normal_rate,4.82,1.39,False,False,False,False,False,0.882,24.5,23.5,standard_longevity,55.7,baseline,1.102,0.614,False,,False,,1000000.0,51332.55,48866.02,55063.76,13077.64,False,0,5.07,12.75
LI-2024-INS004-003692,2010-08-28,12,65,77,1945,female,never_smoker,30.3,61,160,NY,USA,married,graduate,white_collar,21206.8,0.525,full_paramedical,114,77,284,39,7.28,96,5.2,False,61.3,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-351,2.0,term_life,250000,monthly,3262.6,15.0,none,,,,False,none,independent_broker,False,False,False,0.036382,0.125572,SOA_2015_VBT,SOA_Scale_MP2023,2.216,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036382,0.008,False,,1.0,False,,,,0.03,0.0384,False,normal_rate,3.99,1.18,False,False,False,False,False,0.919,25.5,13.5,standard_longevity,40.6,baseline,1.106,0.564,False,,False,,250000.0,17229.36,16407.75,17618.04,7895.49,False,0,1.49,-6.93
LI-2024-INS004-003693,2008-12-20,18,54,72,1954,male,current_smoker,36.0,74,280,MN,USA,married,some_college,heavy_blue_collar,149488.97,0.2813,limited_exam,156,94,255,59,4.32,106,5.4,True,94.6,2.77,True,False,False,False,True,prostate,6.8,none,moderate_gold_2,bipolar,0,False,False,False,False,True,substandard_table_6,1.0,6.0,False,False,False,False,20,UW-466,2.5,universal_life,500000,monthly,7775.52,,15yr_declining,9706.02,,,False,none,employer_group,False,False,False,0.060434,0.297012,SOA_2015_VBT,SOA_Scale_MP2023,2.649,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.090651,0.012,False,,1.0,False,,,,0.04,0.0708,False,normal_rate,2.26,0.98,False,False,False,False,False,0.876,33.2,15.2,standard_longevity,39.5,baseline,1.289,0.157,False,,False,,490293.98,48883.28,42762.9,47275.16,17759.29,False,0,-1.53,-18.23
LI-2024-INS004-003694,2003-11-04,9,80,89,1923,female,never_smoker,31.1,70,216,AL,USA,married,high_school,professional,177671.46,0.6172,limited_exam,130,89,249,43,5.79,93,,False,73.9,,False,False,False,False,False,none,,none,none,none,13,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-360,1.25,term_life,100000,semi_annual,1036.9,15.0,none,,,,False,none,bank,False,False,False,0.071937,0.126984,SOA_2015_VBT,SOA_Scale_MP2023,1.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017984,0.012,False,,1.0,False,,,,0.05,0.0603,False,normal_rate,3.45,1.57,False,False,False,False,False,0.853,7.9,1.0,sub_standard_longevity,23.3,baseline,1.037,0.52,False,,False,,100000.0,377.57,416.34,414.76,3546.2,False,0,3.71,14.83
LI-2024-INS004-003695,2004-02-28,17,41,58,1963,female,never_smoker,25.1,58,120,MA,USA,married,some_college,professional,116667.99,0.3212,full_paramedical,119,65,241,57,4.23,104,4.4,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,14,UW-221,1.0,term_life,1000000,monthly,4861.7,25.0,none,,,,True,none,independent_broker,False,False,False,0.008,0.010627,SOA_2015_VBT,SOA_Scale_MP2023,1.055,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0433,False,normal_rate,2.92,1.34,False,False,False,False,False,0.836,51.9,39.3,preferred_longevity,76.3,baseline,1.259,0.075,True,70.5,False,,1000000.0,37533.56,40372.68,38893.6,9237.23,False,0,1.54,13.33
LI-2024-INS004-003696,2009-07-26,5,32,37,1977,male,never_smoker,36.2,61,191,LA,USA,married,some_college,professional,72097.22,0.8322,full_paramedical,125,78,248,42,5.9,110,7.7,False,107.4,,False,True,True,False,False,none,,type_2,none,none,2,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,29,UW-291,2.25,indexed_ul,5000000,semi_annual,38767.3,,10yr_declining,26868.67,,,True,quota_share,worksite,False,False,False,0.002134,0.007025,SOA_2015_VBT,SOA_Scale_MP2023,2.331,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002668,0.018,False,,1.0,False,,,,0.08,0.0372,False,normal_rate,4.31,1.45,False,False,False,False,False,0.938,64.3,55.0,super_preferred_longevity,100.0,baseline,0.876,0.751,False,,False,,4973131.33,309979.82,291523.81,310138.4,73657.87,False,0,1.38,-11.14
LI-2024-INS004-003697,2017-04-03,4,70,74,1947,female,never_smoker,22.5,70,156,TN,USA,married,bachelors,professional,66248.69,0.7084,full_paramedical,142,89,185,53,3.49,77,,False,55.2,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-124,1.25,term_life,100000,semi_annual,781.37,10.0,none,,,,True,none,captive_agent,False,False,False,0.028454,0.044296,SOA_2015_VBT,SOA_Scale_MP2023,1.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007113,0.008,False,,1.0,False,,,,0.07,0.0793,False,normal_rate,3.93,2.54,False,False,False,False,False,0.824,21.5,17.5,standard_longevity,49.4,baseline,0.969,0.621,False,,False,,100000.0,5360.0,5711.49,5469.59,1640.88,False,0,3.06,15.16
LI-2024-INS004-003698,2023-02-24,2,70,72,1953,female,never_smoker,29.9,61,158,UT,USA,married,bachelors,professional,57579.94,0.5302,full_paramedical,150,89,267,32,8.34,77,,False,93.0,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,13,UW-210,1.75,term_life,100000,annual,1090.26,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.023884,0.06554,SOA_2015_VBT,SOA_Scale_MP2023,1.809,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017913,0.012,False,,1.0,False,,,,0.07,0.125,False,normal_rate,4.36,0.85,False,False,False,False,False,0.984,22.0,22.6,standard_longevity,54.4,baseline,1.102,0.43,True,71.1,False,,100000.0,9564.95,7450.94,8722.08,2071.49,False,0,1.88,-4.08
LI-2024-INS004-003699,2010-07-27,1,22,23,1988,male,former_smoker,37.1,74,289,NE,USA,single,high_school,professional,241519.76,0.9037,limited_exam,126,76,209,26,8.04,107,4.6,False,,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,5,UW-076,1.75,whole_life,250000,annual,955.47,,none,558.85,,,False,none,bank,True,False,False,0.001433,0.003195,SOA_2015_VBT,SOA_Scale_MP2023,1.799,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001075,0.02,False,,1.0,False,,,,0.06,0.0586,False,normal_rate,3.77,1.49,False,False,False,False,False,0.789,70.0,62.8,super_preferred_longevity,100.0,baseline,0.822,0.948,True,74.6,False,,249441.15,7691.66,8018.73,7643.76,1815.39,False,0,-1.94,3.88
LI-2024-INS004-003700,2009-06-11,7,70,77,1939,female,never_smoker,26.7,65,160,GA,USA,divorced,some_college,professional,73145.56,0.7142,non_med_guaranteed,145,86,189,72,2.62,102,,False,76.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-357,1.25,term_life,500000,annual,4130.59,20.0,none,,,,False,none,bank,False,False,False,0.037502,0.057584,SOA_2015_VBT,SOA_Scale_MP2023,1.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009376,0.005,False,,1.0,False,,,,0.05,0.0564,False,normal_rate,2.76,1.56,False,False,False,False,False,0.841,20.1,13.1,standard_longevity,42.9,baseline,0.964,0.683,False,,False,,500000.0,20129.83,20148.59,21644.29,10128.21,False,0,3.74,14.75
LI-2024-INS004-003701,2000-06-15,18,46,64,1954,male,never_smoker,17.0,60,90,MO,USA,married,bachelors,hazardous,23549.83,0.68,simplified_issue,122,62,171,43,3.98,79,,False,70.1,7.5,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,3.86,,True,False,False,False,3,UW-272,0.66,universal_life,500000,monthly,1643.57,,10yr_declining,2002.73,,,False,none,employer_group,False,False,False,0.015063,0.009842,SOA_2015_VBT,SOA_Scale_MP2023,0.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0555,False,normal_rate,3.33,2.02,False,False,False,False,False,0.889,42.8,26.8,preferred_longevity,62.9,baseline,0.99,0.652,True,58.6,False,,497997.27,13245.49,11777.44,13148.56,3122.78,False,0,3.75,30.83
LI-2024-INS004-003702,2014-07-01,10,74,84,1940,female,former_smoker,23.9,63,135,OH,USA,single,bachelors,white_collar,30989.5,0.3488,full_paramedical,148,92,264,68,3.88,106,5.5,False,69.0,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,22,UW-344,1.5,term_life,1000000,quarterly,11680.83,15.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.083248,0.212761,SOA_2015_VBT,SOA_Scale_MP2023,1.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041624,0.008,False,,1.0,False,,,,0.05,0.071,False,normal_rate,1.32,1.46,False,False,False,False,False,0.896,15.0,5.0,sub_standard_longevity,25.2,baseline,1.238,0.393,False,,False,,1000000.0,25343.58,21711.65,23361.66,36210.57,False,0,3.07,4.76
LI-2024-INS004-003703,2012-10-21,3,25,28,1987,male,never_smoker,31.7,73,240,SD,USA,widowed,some_college,professional,20708.68,0.7345,accelerated_UW,118,60,172,42,4.1,101,5.2,True,,,False,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,True,21,UW-484,0.76,whole_life,500000,annual,889.75,,none,594.9,,,False,none,employer_group,False,False,False,0.002668,0.002028,SOA_2015_VBT,SOA_Scale_MP2023,0.801,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0534,False,normal_rate,6.47,2.68,False,False,False,False,False,0.919,69.6,55.0,super_preferred_longevity,100.0,baseline,0.949,0.834,False,,False,,499405.1,7523.24,6412.82,7118.0,1690.52,False,0,6.55,24.39
LI-2024-INS004-003704,2024-11-13,2,51,53,1973,male,unknown,30.1,75,240,CA,USA,married,bachelors,light_blue_collar,293710.27,0.6634,accelerated_UW,137,93,181,56,3.23,143,6.6,False,94.7,2.14,False,False,False,False,False,none,,type_2,none,substance_use_disorder,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,38,UW-446,2.25,indexed_ul,1000000,annual,10092.18,,10yr_declining,7088.15,,,True,quota_share,captive_agent,False,False,False,0.007835,0.027482,SOA_2015_VBT,SOA_Scale_MP2023,2.252,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009794,0.018,False,,1.0,False,,,,0.08,0.0421,False,normal_rate,1.73,0.86,False,False,False,False,False,0.973,41.0,39.0,super_preferred_longevity,81.0,baseline,1.002,0.611,False,,False,,992911.85,84367.48,83294.35,80737.44,19175.14,False,0,5.13,-9.16
LI-2024-INS004-003705,2017-07-07,7,74,81,1943,male,never_smoker,26.7,63,150,MO,USA,single,graduate,light_blue_collar,116196.03,0.6303,full_paramedical,157,89,184,69,2.67,99,,False,,2.94,False,False,False,False,False,none,,none,none,schizophrenia,2,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-239,2.25,term_life,250000,monthly,4100.51,20.0,none,,,,False,none,captive_agent,False,False,False,0.063343,0.22676,SOA_2015_VBT,SOA_Scale_MP2023,2.268,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.079179,0.008,False,,1.0,False,,,,0.05,0.0598,False,normal_rate,1.73,1.2,False,False,False,False,False,0.951,12.6,7.9,sub_standard_longevity,33.8,baseline,1.027,0.531,True,78.4,True,0.902,250000.0,13604.09,11521.47,12957.61,11760.26,False,0,2.26,-12.97
LI-2024-INS004-003706,2011-01-10,4,47,51,1964,female,never_smoker,34.0,60,173,SD,USA,married,bachelors,light_blue_collar,36541.0,0.8606,full_paramedical,120,70,182,37,4.92,105,4.9,False,88.4,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,,,False,False,False,False,4,UW-176,0.98,universal_life,500000,semi_annual,1863.72,,10yr_declining,1399.99,,,False,none,employer_group,False,False,False,0.004571,0.003574,SOA_2015_VBT,SOA_Scale_MP2023,0.915,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.0437,False,normal_rate,3.06,1.81,False,False,False,False,False,0.965,48.2,44.2,super_preferred_longevity,91.7,baseline,0.855,0.754,False,,False,,498600.01,14169.52,15124.36,14909.76,3541.07,False,0,5.47,17.38
LI-2024-INS004-003707,2002-04-12,16,51,67,1951,female,never_smoker,20.4,60,104,IA,USA,married,graduate,white_collar,100706.57,0.6065,limited_exam,128,72,159,44,3.61,69,,False,79.8,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,20,UW-328,0.66,whole_life,500000,quarterly,1690.69,,none,1955.23,,,True,quota_share,captive_agent,False,False,False,0.015073,0.009483,SOA_2015_VBT,SOA_Scale_MP2023,0.602,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.015,0.0182,False,normal_rate,2.67,2.19,False,False,False,False,False,0.856,41.0,25.2,standard_longevity,59.4,baseline,1.045,0.655,False,,True,0.102,498044.77,12535.51,11522.01,13525.52,3212.31,False,0,6.57,29.24
LI-2024-INS004-003708,2008-12-25,4,54,58,1954,female,current_smoker,26.7,59,132,FL,USA,single,bachelors,light_blue_collar,36640.44,0.7332,full_paramedical,139,87,224,51,4.39,98,,True,89.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,8,UW-124,1.0,term_life,1000000,semi_annual,5117.64,10.0,none,,,,True,none,employer_group,True,False,False,0.01444,0.014035,SOA_2015_VBT,SOA_Scale_MP2023,1.023,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0935,False,normal_rate,3.79,1.99,False,False,False,False,True,0.946,39.0,35.0,preferred_longevity,76.0,baseline,0.95,0.904,False,,False,,1000000.0,37139.83,41644.93,40941.12,9723.52,False,0,3.64,12.32
LI-2024-INS004-003709,2002-10-16,6,25,31,1977,female,never_smoker,32.5,69,220,NY,USA,married,graduate,light_blue_collar,81580.35,0.7787,non_med_guaranteed,94,59,189,46,4.11,70,4.7,False,109.7,,True,False,False,False,False,none,,none,none,bipolar,0,True,False,False,False,False,substandard_table_4,3.49,4.0,True,False,False,False,20,UW-139,2.0,universal_life,1000000,monthly,4766.45,,10yr_declining,3829.82,,,True,excess_of_loss,independent_broker,False,False,False,0.001226,0.003689,SOA_2015_VBT,SOA_Scale_MP2023,2.194,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001226,0.018,False,,1.0,False,,,,0.06,0.0291,False,normal_rate,4.46,2.01,False,False,False,False,False,0.752,70.0,55.0,super_preferred_longevity,100.0,baseline,0.916,0.883,False,,False,,996170.18,40678.75,38910.09,38131.6,9056.26,False,0,1.7,-3.46
LI-2024-INS004-003710,2024-03-06,2,72,74,1952,female,former_smoker,27.7,58,132,SC,USA,married,high_school,white_collar,43747.27,0.1558,full_paramedical,144,99,205,53,3.87,81,,False,93.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-251,1.5,whole_life,500000,semi_annual,4043.69,,none,2725.82,,,False,none,employer_group,False,False,False,0.036535,0.102912,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018268,0.012,False,,1.0,False,,,,0.04,0.1059,False,normal_rate,5.19,2.33,True,False,False,False,False,0.871,18.4,17.6,standard_longevity,41.2,baseline,1.383,0.322,True,55.7,False,,497274.18,29498.96,27487.53,28467.58,8459.4,False,0,4.07,-0.12
LI-2024-INS004-003711,2018-03-26,9,80,89,1938,female,former_smoker,28.9,58,138,OH,USA,married,graduate,professional,168755.51,0.7688,accelerated_UW,107,56,228,45,5.07,104,5.4,False,62.1,,False,False,True,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,23,UW-209,1.25,term_life,500000,quarterly,4750.02,25.0,none,,,,False,none,captive_agent,False,False,False,0.135621,0.194078,SOA_2015_VBT,SOA_Scale_MP2023,1.279,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033905,0.005,False,,1.0,False,,,,0.05,0.0542,False,normal_rate,3.15,2.74,False,False,False,False,False,0.82,13.2,3.1,standard_longevity,38.7,baseline,0.923,0.694,False,,True,-0.757,500000.0,5526.03,5317.89,5890.02,15447.07,False,0,2.91,20.38
LI-2024-INS004-003712,2009-02-20,14,41,55,1968,female,never_smoker,15.0,68,98,OR,USA,divorced,graduate,heavy_blue_collar,43739.39,0.2876,full_paramedical,93,64,248,63,3.94,121,4.6,False,99.4,,False,False,True,False,False,none,,none,none,none,9,False,False,False,False,False,declined,,,False,False,True,False,8,UW-312,7.0,universal_life,500000,semi_annual,15765.87,,15yr_declining,16914.43,,,False,none,captive_agent,False,False,False,0.00642,0.089092,SOA_2015_VBT,SOA_Scale_MP2023,6.133,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038522,0.015,False,,1.0,False,,,,0.04,0.0265,False,normal_rate,4.3,1.05,False,False,False,False,False,0.892,55.6,41.6,super_preferred_longevity,89.2,baseline,1.284,0.301,False,,False,,483085.57,133826.57,111837.37,126126.96,29955.15,False,0,-5.0,-20.0
LI-2024-INS004-003713,2005-08-08,22,28,50,1977,female,former_smoker,37.9,70,264,SD,USA,married,less_than_hs,professional,67786.26,0.8466,full_paramedical,124,76,247,56,4.41,108,5.5,False,,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-392,1.5,term_life,1000000,annual,6197.62,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.005574,0.011056,SOA_2015_VBT,SOA_Scale_MP2023,1.715,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002787,0.018,False,,1.0,False,,,,0.03,0.0307,False,normal_rate,5.25,2.83,False,False,False,False,False,0.836,69.4,47.4,super_preferred_longevity,96.3,baseline,0.865,0.773,False,,False,,1000000.0,48528.68,50727.6,49580.96,11775.48,False,0,-0.36,10.11
LI-2024-INS004-003714,2023-07-02,2,51,53,1972,male,former_smoker,33.5,63,189,SD,USA,married,some_college,professional,45188.36,0.5612,accelerated_UW,135,75,236,54,4.37,93,5.7,False,93.2,5.2,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,54,UW-251,2.25,indexed_ul,500000,annual,4833.11,,10yr_declining,3273.46,,,False,none,direct_to_consumer,False,False,False,0.008857,0.032634,SOA_2015_VBT,SOA_Scale_MP2023,2.256,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011071,0.018,False,,1.0,False,,,,0.08,0.0631,False,normal_rate,3.94,2.93,False,False,False,False,False,0.826,40.5,43.5,super_preferred_longevity,86.2,baseline,1.079,0.538,True,71.4,False,,496726.54,38118.39,38679.95,38664.88,9182.91,False,0,1.04,-17.73
LI-2024-INS004-003715,2020-08-02,3,26,29,1994,female,never_smoker,31.9,58,152,VA,USA,married,bachelors,heavy_blue_collar,30104.19,0.5195,full_paramedical,120,68,212,48,4.42,108,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,1.23,,False,False,False,False,19,UW-455,0.8,whole_life,500000,annual,1010.52,,none,709.43,,,True,none,captive_agent,False,False,False,0.001115,0.003633,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00266,1.0,False,,,,0.04,0.0514,False,normal_rate,5.25,0.75,False,False,False,False,False,0.821,70.0,55.0,super_preferred_longevity,100.0,baseline,1.11,0.476,False,,True,0.574,499290.57,8862.82,8364.21,8084.16,1919.99,False,0,2.65,19.26
LI-2024-INS004-003716,2009-11-21,7,29,36,1980,female,never_smoker,22.8,58,109,ME,USA,married,less_than_hs,professional,38356.29,0.4183,accelerated_UW,109,60,186,48,3.88,74,5.0,False,111.0,,False,False,False,False,False,none,,none,none,depression,0,False,True,True,False,True,substandard_table_1,,1.0,False,False,False,True,48,UW-178,1.25,term_life,250000,annual,993.5,25.0,none,,,,False,none,captive_agent,False,False,False,0.001608,0.003105,SOA_2015_VBT,SOA_Scale_MP2023,1.417,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000402,0.02,False,,1.0,False,,,,0.05,0.0683,False,normal_rate,3.01,1.39,False,False,False,False,False,0.844,67.3,54.7,super_preferred_longevity,100.0,baseline,1.186,0.503,True,31.4,False,,250000.0,8335.1,7489.66,7948.0,1887.65,False,0,5.17,16.63
LI-2024-INS004-003717,2014-06-11,7,35,42,1979,female,never_smoker,31.7,63,178,NV,USA,married,bachelors,heavy_blue_collar,83907.24,0.5841,accelerated_UW,129,83,162,49,3.31,116,5.0,False,87.7,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,0.95,,False,False,False,True,20,UW-120,0.78,term_life,500000,monthly,1429.25,20.0,none,,,,False,none,employer_group,False,False,False,0.002366,0.002113,SOA_2015_VBT,SOA_Scale_MP2023,0.841,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.074,False,normal_rate,1.26,1.18,False,False,False,False,False,0.763,61.6,54.6,super_preferred_longevity,100.0,baseline,1.062,0.285,False,,False,,500000.0,11711.03,11136.17,11434.0,2715.57,False,0,3.72,27.93
LI-2024-INS004-003718,2002-02-27,20,25,45,1977,female,never_smoker,25.6,69,173,DE,USA,married,high_school,light_blue_collar,56153.64,0.4732,full_paramedical,101,60,173,71,2.44,93,,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-294,1.25,term_life,250000,quarterly,1326.5,20.0,none,,,,False,none,captive_agent,False,False,False,0.00293,0.005101,SOA_2015_VBT,SOA_Scale_MP2023,1.302,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000732,0.018,False,,1.0,False,,,,0.03,0.0396,False,normal_rate,3.45,2.92,False,False,False,False,False,0.957,70.0,50.0,super_preferred_longevity,94.6,baseline,1.145,0.567,False,,False,,250000.0,10496.12,11075.95,10612.0,2520.35,False,0,1.91,5.83
LI-2024-INS004-003719,2020-10-18,6,35,41,1985,female,never_smoker,27.0,62,147,ID,USA,married,some_college,professional,89786.51,0.8843,full_paramedical,134,85,217,51,4.25,101,4.9,False,73.7,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-260,2.25,term_life,2000000,semi_annual,15432.54,15.0,none,,,,True,quota_share,worksite,False,False,False,0.002209,0.009186,SOA_2015_VBT,SOA_Scale_MP2023,2.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,True,0.00199,1.0,False,,,,0.05,0.0496,False,normal_rate,2.39,3.0,False,False,False,False,False,0.963,63.9,55.0,super_preferred_longevity,100.0,baseline,0.837,0.938,False,,False,,2000000.0,112933.77,119630.59,123460.32,29321.83,False,0,0.99,-3.62
LI-2024-INS004-003720,2004-09-14,18,53,71,1951,female,never_smoker,24.0,62,131,MI,USA,married,bachelors,white_collar,271358.08,0.4849,accelerated_UW,130,73,234,62,3.77,88,5.5,False,49.1,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,19,UW-027,2.25,whole_life,2000000,quarterly,28978.7,,none,35562.23,7823.69,0.22,True,excess_of_loss,captive_agent,False,False,False,0.021363,0.083242,SOA_2015_VBT,SOA_Scale_MP2023,2.329,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026704,0.012,False,,1.0,False,,,,0.015,0.0118,False,normal_rate,2.48,2.49,False,False,False,False,False,0.918,38.5,20.5,standard_longevity,50.5,baseline,1.136,0.443,False,,False,,1964437.77,218435.21,234843.53,231829.6,55059.53,False,0,5.64,-19.43
LI-2024-INS004-003721,2011-06-25,11,34,45,1977,male,former_smoker,29.2,68,191,IA,USA,married,bachelors,light_blue_collar,46112.99,0.776,non_med_guaranteed,144,82,208,62,3.35,79,5.1,False,,2.23,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-103,1.25,term_life,250000,semi_annual,1126.38,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.004761,0.007095,SOA_2015_VBT,SOA_Scale_MP2023,1.351,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00119,0.018,False,,1.0,False,,,,0.03,0.0453,False,normal_rate,2.58,2.9,False,False,False,False,False,0.989,59.1,48.1,super_preferred_longevity,96.3,baseline,0.918,0.811,False,,False,,250000.0,8697.1,8653.6,9011.04,2140.12,False,0,3.21,9.17
LI-2024-INS004-003722,2023-07-13,2,56,58,1967,male,never_smoker,34.6,60,177,KY,USA,divorced,some_college,white_collar,39070.01,0.8005,full_paramedical,128,83,235,28,8.39,110,5.1,False,79.7,6.65,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,12,UW-453,1.75,group_life,5000000,monthly,46244.96,,none,,,,True,facultative,independent_broker,False,False,False,0.010307,0.025236,SOA_2015_VBT,SOA_Scale_MP2023,1.888,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00773,0.015,False,,1.0,True,2026-04-14,voluntary_surrender,2.0,0.15,0.1589,False,normal_rate,4.8,1.4,False,False,True,False,False,0.994,35.5,33.9,preferred_longevity,75.4,baseline,0.9,0.709,True,37.1,False,,5000000.0,393728.24,321408.34,369959.68,87865.42,False,0,-0.7,2.54
LI-2024-INS004-003723,2000-11-25,7,37,44,1963,male,never_smoker,23.8,76,195,FL,USA,single,bachelors,white_collar,42276.25,0.5257,simplified_issue,123,82,167,65,2.57,83,,False,101.3,1.54,False,False,False,False,False,none,,none,none,depression,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-211,1.25,whole_life,1000000,quarterly,4837.53,,none,4021.77,,,True,facultative,direct_to_consumer,True,False,False,0.003304,0.005824,SOA_2015_VBT,SOA_Scale_MP2023,1.368,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000826,0.015,False,,1.0,False,,,,0.02,0.0358,False,normal_rate,3.35,2.2,False,False,False,False,False,0.789,52.8,46.7,super_preferred_longevity,90.4,baseline,1.106,0.526,False,,True,0.603,995978.23,40996.57,35240.6,38700.24,9191.31,False,0,2.99,7.1
LI-2024-INS004-003724,2017-09-01,4,28,32,1989,female,never_smoker,34.1,65,204,SD,USA,married,graduate,professional,60167.14,0.3368,limited_exam,121,76,216,50,4.32,103,5.1,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,2,False,False,False,True,True,standard,,,False,True,False,False,39,UW-263,1.0,indexed_ul,1000000,monthly,2903.84,,10yr_declining,2066.17,,,True,coinsurance,independent_broker,False,False,False,0.001289,0.001637,SOA_2015_VBT,SOA_Scale_MP2023,1.018,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0515,False,normal_rate,4.45,0.91,False,False,False,False,False,0.757,70.0,63.0,super_preferred_longevity,100.0,baseline,1.247,0.408,True,75.7,False,,997933.83,21387.84,23634.62,23230.72,5517.3,False,0,5.72,16.73
LI-2024-INS004-003725,2014-10-03,5,28,33,1986,female,never_smoker,34.0,66,210,CA,USA,single,graduate,white_collar,20000.0,0.5364,full_paramedical,131,82,228,43,5.3,124,5.9,False,108.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-482,1.25,term_life,250000,monthly,773.8,20.0,none,,,,True,coinsurance,independent_broker,True,False,False,0.001358,0.00224,SOA_2015_VBT,SOA_Scale_MP2023,1.275,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00034,0.02,False,,1.0,False,,,,0.07,0.089,False,normal_rate,4.37,0.57,False,False,False,False,False,0.835,69.6,59.8,super_preferred_longevity,100.0,baseline,1.098,0.602,True,60.0,False,,250000.0,5837.86,6191.73,6190.4,1470.22,False,0,4.47,11.1
LI-2024-INS004-003726,2020-04-07,4,63,67,1957,female,never_smoker,30.2,62,165,FL,USA,married,less_than_hs,professional,148057.29,0.3745,full_paramedical,106,62,180,51,3.53,115,5.2,False,,,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-231,2.25,whole_life,1000000,annual,11681.79,,none,8701.7,,,True,quota_share,captive_agent,False,False,False,0.016205,0.071615,SOA_2015_VBT,SOA_Scale_MP2023,2.46,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020257,0.012,True,0.00276,1.0,False,,,,0.04,0.056,False,normal_rate,3.77,2.68,False,False,False,False,False,0.776,29.0,25.0,standard_longevity,55.6,baseline,1.219,0.205,False,,False,,991298.3,97474.75,93350.9,93454.32,22195.4,False,0,3.3,-13.54
LI-2024-INS004-003727,2003-11-14,9,36,45,1967,female,never_smoker,33.6,69,227,NJ,USA,married,high_school,professional,107054.11,0.3589,full_paramedical,123,78,182,40,4.55,91,5.3,False,,,False,False,True,False,True,breast,0.3,none,none,none,9,False,False,False,False,True,standard,,,False,True,False,False,48,UW-486,1.0,whole_life,500000,semi_annual,1860.42,,none,1608.05,,,False,none,independent_broker,False,False,False,0.00293,0.003833,SOA_2015_VBT,SOA_Scale_MP2023,1.063,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.0283,False,normal_rate,4.26,1.64,False,False,False,True,False,0.991,60.7,51.7,super_preferred_longevity,100.0,baseline,1.231,0.362,False,,False,,498391.95,14286.35,14601.74,14883.36,3534.8,False,0,3.4,8.49
LI-2024-INS004-003728,2009-12-02,9,55,64,1954,male,never_smoker,22.3,67,142,SD,USA,divorced,bachelors,professional,93607.92,0.3559,full_paramedical,136,79,204,52,3.92,84,5.3,False,92.4,4.66,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-377,2.25,whole_life,500000,semi_annual,5983.68,,none,5011.04,,,False,none,independent_broker,False,False,False,0.015063,0.064299,SOA_2015_VBT,SOA_Scale_MP2023,2.448,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018829,0.012,False,,1.0,False,,,,0.02,0.0283,False,normal_rate,3.41,1.58,False,False,False,False,False,0.973,32.5,23.5,standard_longevity,53.1,baseline,1.233,0.379,False,,False,,494988.96,50972.26,42248.32,47869.44,11368.99,False,0,0.23,-14.46
LI-2024-INS004-003729,2022-01-08,5,57,62,1965,male,current_smoker,24.3,62,132,OR,USA,married,bachelors,white_collar,355184.13,0.6038,full_paramedical,121,72,228,72,3.17,79,4.6,True,79.8,5.38,False,False,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_3,,3.0,False,False,False,False,45,UW-440,1.75,term_life,250000,annual,2034.28,15.0,none,,,,False,none,bank,False,False,False,0.028965,0.078092,SOA_2015_VBT,SOA_Scale_MP2023,1.753,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021723,0.015,True,0.0032,1.0,False,,,,0.07,0.0852,False,normal_rate,3.12,2.52,False,False,False,False,False,0.801,33.4,28.4,preferred_longevity,64.2,baseline,1.047,0.567,False,,False,,250000.0,14924.82,15291.88,16274.24,3865.13,False,0,4.68,0.54
LI-2024-INS004-003730,2009-04-27,11,61,72,1948,male,never_smoker,21.5,72,158,NJ,USA,divorced,bachelors,light_blue_collar,78335.31,0.7096,full_paramedical,131,93,225,45,5.0,88,,False,104.4,4.38,False,True,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-199,1.5,term_life,250000,monthly,2185.99,15.0,none,,,,False,none,employer_group,False,False,False,0.030104,0.06563,SOA_2015_VBT,SOA_Scale_MP2023,1.736,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015052,0.008,False,,1.0,False,,,,0.03,0.0408,False,normal_rate,0.0,1.53,False,False,False,False,False,0.943,26.7,15.7,standard_longevity,46.7,baseline,0.968,0.84,False,,False,,250000.0,14930.55,13347.25,13728.02,4905.36,False,0,0.63,6.66
LI-2024-INS004-003731,2010-10-18,16,43,59,1967,female,current_smoker,32.5,63,183,VT,USA,married,less_than_hs,heavy_blue_collar,66961.72,0.3809,full_paramedical,141,94,191,42,4.55,102,5.9,True,88.9,,False,False,False,False,False,none,,pre_diabetes,none,none,0,False,False,False,True,True,substandard_table_4,1.31,4.0,False,False,False,False,50,UW-105,2.0,universal_life,500000,semi_annual,4946.78,,10yr_declining,6017.27,,,False,none,independent_broker,False,False,False,0.017943,0.063613,SOA_2015_VBT,SOA_Scale_MP2023,2.096,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017943,0.015,False,,1.0,False,,,,0.04,0.0558,False,normal_rate,6.25,2.66,False,False,False,False,False,0.936,50.8,34.8,preferred_longevity,70.4,baseline,1.214,0.189,False,,False,,493982.73,40963.07,40850.92,39574.24,9398.88,False,0,4.86,3.35
LI-2024-INS004-003732,2017-11-22,9,44,53,1973,female,never_smoker,36.1,72,266,AL,USA,divorced,high_school,white_collar,83731.97,0.6425,full_paramedical,119,72,216,48,4.5,86,4.8,False,68.3,,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-484,1.25,group_life,100000,monthly,621.45,,none,,,,False,none,worksite,False,False,False,0.005451,0.009609,SOA_2015_VBT,SOA_Scale_MP2023,1.486,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001363,0.018,False,,1.0,False,,,,0.12,0.1423,False,normal_rate,3.91,2.62,False,False,False,False,False,0.917,52.0,43.0,super_preferred_longevity,86.6,baseline,1.018,0.509,False,,False,,100000.0,4523.07,5000.67,4971.6,1180.76,False,0,3.42,19.16
LI-2024-INS004-003733,2013-09-03,9,24,33,1989,female,never_smoker,26.3,69,177,MT,USA,single,graduate,white_collar,51342.19,0.475,accelerated_UW,151,83,140,60,2.33,97,5.3,False,,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,4,UW-239,2.25,universal_life,500000,monthly,3477.24,,10yr_declining,3186.83,,,False,none,bank,False,False,False,0.001358,0.005457,SOA_2015_VBT,SOA_Scale_MP2023,2.42,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001698,0.02,False,,1.0,False,,,,0.06,0.0356,False,normal_rate,4.68,1.29,False,False,False,False,False,0.831,70.0,55.0,super_preferred_longevity,100.0,baseline,1.144,0.614,False,,False,,496813.17,26247.02,24314.95,27817.92,6606.76,False,0,4.84,-14.44
LI-2024-INS004-003734,2015-11-23,2,33,35,1982,male,never_smoker,26.3,61,139,IA,USA,married,high_school,heavy_blue_collar,20660.65,0.6548,limited_exam,101,66,200,40,5.0,95,5.8,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,1.11,1.0,False,False,False,False,12,UW-013,1.25,term_life,1000000,annual,3428.23,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.001896,0.003084,SOA_2015_VBT,SOA_Scale_MP2023,1.364,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.02,False,,1.0,False,,,,0.07,0.0823,False,normal_rate,2.81,2.07,False,False,False,True,False,0.759,60.5,55.0,super_preferred_longevity,100.0,baseline,1.009,0.784,False,,False,,1000000.0,28808.09,27178.24,27425.84,6513.64,False,0,6.81,16.35
LI-2024-INS004-003735,2006-04-04,1,41,42,1965,female,never_smoker,32.1,69,217,LA,USA,single,some_college,professional,133134.84,0.7085,full_paramedical,127,73,156,50,3.12,84,5.5,False,97.7,,False,False,False,False,False,none,,none,none,none,20,False,False,False,False,False,standard_plus,,,False,False,False,False,24,UW-495,0.99,annuity_deferred,1000000,monthly,3847.26,,none,2339.27,,,True,quota_share,independent_broker,False,False,False,0.002366,0.002204,SOA_2015_VBT,SOA_Scale_MP2023,0.962,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.068,False,normal_rate,4.6,2.85,False,False,False,False,False,0.778,53.8,60.4,super_preferred_longevity,100.0,baseline,0.969,0.749,True,75.5,False,,997660.73,32464.39,31726.35,30778.08,7309.79,False,0,4.64,27.67
LI-2024-INS004-003736,2015-09-23,11,21,32,1994,female,never_smoker,27.2,66,168,ME,USA,single,graduate,heavy_blue_collar,47067.93,0.4774,non_med_guaranteed,123,75,226,37,6.11,67,4.5,False,,,False,False,False,False,False,none,,none,none,anxiety,6,True,False,False,False,False,substandard_table_2,4.0,2.0,True,False,False,False,14,UW-474,1.5,whole_life,2000000,annual,8314.67,,none,7709.62,,,True,facultative,captive_agent,False,False,False,0.001289,0.003053,SOA_2015_VBT,SOA_Scale_MP2023,1.636,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000644,0.022,False,,1.0,False,,,,0.015,0.0198,False,normal_rate,3.82,2.08,False,False,False,False,False,0.886,70.0,55.0,super_preferred_longevity,100.0,baseline,1.142,0.478,False,,False,,1992290.38,69547.45,60666.02,66517.36,15797.87,False,0,2.65,10.67
LI-2024-INS004-003737,2006-11-25,1,28,29,1978,male,never_smoker,24.2,64,141,AR,USA,married,bachelors,professional,195774.85,0.4603,full_paramedical,127,86,158,53,2.98,113,4.5,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,11,UW-426,0.95,term_life,500000,monthly,1256.85,20.0,none,,,,False,none,captive_agent,True,False,False,0.001394,0.001541,SOA_2015_VBT,SOA_Scale_MP2023,0.957,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.1332,False,normal_rate,2.0,1.62,False,False,False,False,False,0.986,64.0,57.7,super_preferred_longevity,100.0,baseline,1.155,0.394,True,49.2,False,,500000.0,10666.61,9753.06,10054.8,2388.01,False,0,2.39,22.24
LI-2024-INS004-003738,2023-03-06,2,65,67,1958,male,current_smoker,23.4,72,172,MA,USA,married,bachelors,professional,58560.09,0.3836,full_paramedical,125,73,168,57,2.95,111,4.7,True,58.9,20.0,True,False,True,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,8,UW-248,2.75,universal_life,250000,monthly,3431.32,,10yr_declining,2162.27,,,False,none,employer_group,False,False,False,0.041005,0.219301,SOA_2015_VBT,SOA_Scale_MP2023,2.968,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.071759,0.012,False,,1.0,False,,,,0.08,0.0602,False,normal_rate,3.37,2.39,False,False,False,False,False,0.893,26.2,24.2,preferred_longevity,64.6,baseline,1.212,0.22,False,,False,,247837.73,25893.23,26895.34,27450.56,6519.51,False,0,-0.04,-20.0
LI-2024-INS004-003739,2006-12-04,13,44,57,1962,female,never_smoker,29.8,68,195,NH,USA,married,high_school,hazardous,79052.79,0.3678,non_med_guaranteed,126,74,310,38,8.16,100,5.4,False,85.8,,False,True,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,substandard_table_3,2.91,3.0,True,False,False,False,44,UW-188,1.75,annuity_deferred,500000,monthly,4774.01,,none,5031.35,,,False,none,captive_agent,False,False,False,0.007245,0.02116,SOA_2015_VBT,SOA_Scale_MP2023,1.773,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005434,0.015,False,,1.0,False,,,,0.01,0.0141,False,normal_rate,4.19,2.38,False,False,False,False,False,0.866,49.0,36.0,preferred_longevity,72.0,baseline,1.224,0.199,False,,False,,494968.65,37854.32,40031.06,38192.08,9070.62,False,0,4.58,-1.6
LI-2024-INS004-003740,2010-04-09,7,78,85,1932,female,never_smoker,24.2,62,132,MA,USA,married,graduate,light_blue_collar,36867.25,0.5978,full_paramedical,152,92,233,62,3.76,106,,False,,,True,False,True,True,False,none,,none,none,none,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,59,UW-118,2.5,whole_life,2000000,monthly,38252.54,,none,29027.57,,,True,excess_of_loss,independent_broker,False,True,False,0.072258,0.312878,SOA_2015_VBT,SOA_Scale_MP2023,2.691,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.108387,0.005,False,,1.0,False,,,,0.02,0.0244,False,normal_rate,1.73,2.28,False,False,False,False,False,0.82,13.6,6.6,standard_longevity,41.4,baseline,1.052,0.748,False,,False,,1970972.43,96700.21,99097.92,100986.71,113686.55,False,0,1.05,-16.16
LI-2024-INS004-003741,2003-12-11,13,30,43,1973,male,never_smoker,27.8,64,161,NY,USA,married,less_than_hs,white_collar,46464.65,0.6211,full_paramedical,131,74,181,62,2.92,113,,False,,2.57,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-452,2.0,whole_life,500000,monthly,3672.24,,none,3682.04,,,False,none,captive_agent,False,False,False,0.003171,0.010468,SOA_2015_VBT,SOA_Scale_MP2023,2.225,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.018,False,,1.0,False,,,,0.015,0.018,False,normal_rate,2.73,2.68,False,False,False,False,False,0.771,61.9,48.4,super_preferred_longevity,94.4,baseline,1.034,0.55,True,30.2,False,,496317.96,29315.43,27168.77,29377.92,6977.26,False,0,-0.72,1.24
LI-2024-INS004-003742,2019-06-08,2,42,44,1977,female,never_smoker,23.0,70,160,ME,USA,married,some_college,professional,66419.33,0.19,full_paramedical,124,83,182,42,4.33,81,5.9,False,64.0,,False,False,False,False,False,none,,none,none,none,4,False,True,False,False,False,standard,,,False,False,False,False,19,UW-042,1.09,indexed_ul,1000000,monthly,4235.58,,15yr_declining,2638.14,,,True,facultative,bank,False,False,False,0.002724,0.004036,SOA_2015_VBT,SOA_Scale_MP2023,1.025,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000245,0.018,False,,1.0,False,,,,0.08,0.078,False,normal_rate,2.66,0.93,False,False,False,False,False,0.815,52.7,50.7,super_preferred_longevity,91.4,baseline,1.357,0.225,False,,False,,997361.86,36556.16,32274.98,33884.64,8047.6,False,0,4.08,8.75
LI-2024-INS004-003743,2006-03-26,17,40,57,1966,male,former_smoker,31.6,72,232,OH,USA,married,bachelors,white_collar,136810.62,0.7212,full_paramedical,136,79,224,62,3.61,110,,False,,5.2,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-327,1.25,indexed_ul,500000,annual,2761.05,,15yr_declining,3248.14,,,False,none,employer_group,False,False,False,0.01232,0.020249,SOA_2015_VBT,SOA_Scale_MP2023,1.453,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00308,0.015,False,,1.0,False,,,,0.04,0.0539,False,normal_rate,3.42,0.89,False,False,False,False,False,0.777,51.0,36.0,preferred_longevity,77.3,baseline,0.959,0.726,True,80.1,True,-2.351,496751.86,24103.88,22365.06,22088.4,5246.0,False,0,0.68,9.13
LI-2024-INS004-003744,2015-12-20,1,75,76,1940,male,never_smoker,22.9,65,137,WV,USA,married,bachelors,white_collar,20000.0,0.9344,full_paramedical,133,82,213,64,3.33,87,,False,,4.7,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-153,1.25,term_life,250000,monthly,1873.19,15.0,none,,,,False,none,bank,False,False,False,0.040039,0.056633,SOA_2015_VBT,SOA_Scale_MP2023,1.457,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01001,0.008,False,,1.0,False,,,,0.1,0.0952,False,normal_rate,4.8,2.81,False,False,False,False,False,0.86,12.4,11.4,standard_longevity,43.6,baseline,0.799,0.946,False,,False,,250000.0,9167.0,7889.43,8541.75,4847.81,False,0,1.15,14.72
LI-2024-INS004-003745,2007-12-04,2,27,29,1980,female,never_smoker,29.0,68,190,ME,USA,married,high_school,hazardous,114715.13,0.6029,full_paramedical,133,82,179,53,3.38,91,6.4,False,,,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,standard_plus,4.01,,True,False,False,False,7,UW-337,0.98,group_life,500000,annual,1065.1,,none,,,,False,none,direct_to_consumer,False,False,False,0.001115,0.001156,SOA_2015_VBT,SOA_Scale_MP2023,0.989,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.15,0.2557,False,normal_rate,3.07,2.21,False,False,False,False,False,0.841,70.0,55.0,super_preferred_longevity,100.0,baseline,1.048,0.622,False,,False,,500000.0,8270.65,7551.05,8520.8,2023.69,False,0,2.56,14.76
LI-2024-INS004-003746,2015-07-03,12,41,53,1974,male,never_smoker,30.6,65,184,NE,USA,married,graduate,white_collar,79448.36,0.6706,full_paramedical,121,70,218,60,3.63,118,4.8,False,87.5,2.69,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,30,UW-031,0.76,term_life,1000000,semi_annual,3564.65,15.0,none,,,,True,facultative,captive_agent,True,False,False,0.006813,0.00519,SOA_2015_VBT,SOA_Scale_MP2023,0.764,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0349,False,normal_rate,5.61,2.11,False,False,False,False,False,0.945,51.2,40.4,super_preferred_longevity,83.2,baseline,0.997,0.697,False,,True,0.813,1000000.0,30485.04,27832.48,28517.2,6772.83,False,0,3.84,21.71
LI-2024-INS004-003747,2021-12-14,2,49,51,1972,male,current_smoker,26.4,72,194,MT,USA,married,bachelors,light_blue_collar,72163.03,0.4672,full_paramedical,129,79,179,42,4.26,103,5.6,True,83.9,4.43,True,True,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,6,UW-088,1.5,group_life,1000000,monthly,7118.39,,none,,,,True,facultative,independent_broker,False,False,False,0.011602,0.034836,SOA_2015_VBT,SOA_Scale_MP2023,1.71,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005801,0.018,True,0.00623,1.0,False,,,,0.15,0.1989,False,normal_rate,4.6,1.73,False,False,False,False,False,0.904,42.1,40.1,preferred_longevity,79.7,baseline,1.15,0.489,False,,False,,1000000.0,56947.05,49522.5,56947.12,13524.94,False,0,4.1,2.32
LI-2024-INS004-003748,2010-12-20,14,78,92,1932,female,never_smoker,25.9,72,190,MO,USA,married,high_school,white_collar,104310.63,0.4678,simplified_issue,134,85,209,51,4.1,92,,False,76.3,,False,True,True,True,False,none,,none,none,schizophrenia,5,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-208,2.5,universal_life,500000,monthly,10381.27,,15yr_declining,10978.42,,,False,none,captive_agent,False,False,False,0.129574,0.601303,SOA_2015_VBT,SOA_Scale_MP2023,2.733,cardiovascular,True,2021-09-07,False,False,1601992.12,0.0007,5e-05,1.095,0.194361,0.005,False,,1.0,True,2026-01-06,non_payment,14.0,0.04,0.0239,False,normal_rate,1.85,2.59,True,False,False,False,False,0.898,13.1,1.0,sub_standard_longevity,31.0,baseline,1.149,0.473,False,,False,,489021.58,4149.08,3924.73,4152.51,35503.94,False,0,-0.78,-19.03
LI-2024-INS004-003749,2009-05-26,18,19,37,1990,female,never_smoker,27.9,62,152,NC,USA,single,bachelors,professional,26534.86,0.6399,limited_exam,122,74,238,61,3.9,90,,False,119.5,,False,True,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-307,2.25,indexed_ul,1000000,monthly,7927.74,,15yr_declining,9754.11,,,True,quota_share,worksite,False,False,False,0.001707,0.006223,SOA_2015_VBT,SOA_Scale_MP2023,2.348,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.022,False,,1.0,False,,,,0.04,0.0475,False,normal_rate,3.84,2.11,False,False,False,False,False,0.811,70.0,52.0,super_preferred_longevity,100.0,baseline,1.02,0.544,False,,False,,990245.89,67117.16,63072.67,63421.92,15062.71,False,0,1.19,-12.32
LI-2024-INS004-003750,2008-04-03,9,22,31,1986,female,never_smoker,27.1,60,138,RI,USA,married,high_school,professional,29436.72,0.5568,limited_exam,121,73,172,47,3.66,83,4.0,False,94.3,,False,False,True,False,False,none,,none,none,bipolar,4,True,False,False,False,False,substandard_table_4,2.82,4.0,True,False,False,False,24,UW-461,2.0,universal_life,2000000,monthly,10093.96,,15yr_declining,8377.33,4951.0,0.591,True,none,captive_agent,False,False,False,0.001226,0.00403,SOA_2015_VBT,SOA_Scale_MP2023,2.114,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001226,0.02,False,,1.0,False,,,,0.06,0.0203,False,normal_rate,3.19,1.09,False,False,False,False,False,0.95,70.0,55.0,super_preferred_longevity,100.0,baseline,1.082,0.524,False,,False,,1991622.67,79852.45,69587.17,80751.68,19178.52,False,0,2.82,-5.68
LI-2024-INS004-003751,2018-08-10,2,33,35,1985,female,never_smoker,38.9,68,256,KY,USA,divorced,high_school,white_collar,49312.78,0.7114,accelerated_UW,127,69,195,29,6.72,107,6.5,False,,,False,False,False,False,False,none,,type_2,none,anxiety,1,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,True,22,UW-265,1.5,term_life,250000,monthly,1032.24,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001517,0.003192,SOA_2015_VBT,SOA_Scale_MP2023,1.66,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000758,0.02,False,,1.0,False,,,,0.07,0.0792,False,normal_rate,6.01,2.06,False,False,False,False,False,0.911,65.2,55.0,super_preferred_longevity,100.0,baseline,0.966,0.677,False,,False,,250000.0,7938.81,8592.88,8257.92,1961.26,False,0,1.89,10.06
LI-2024-INS004-003752,2009-06-02,1,76,77,1933,female,never_smoker,26.8,65,160,WI,USA,married,some_college,professional,40938.33,0.6421,full_paramedical,141,87,260,48,5.42,90,,False,72.0,,True,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,17,UW-158,1.25,term_life,2000000,annual,16507.99,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.036391,0.056389,SOA_2015_VBT,SOA_Scale_MP2023,1.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009098,0.005,False,,1.0,False,,,,0.1,0.1186,False,normal_rate,3.59,0.87,False,False,False,False,False,0.986,12.9,13.3,standard_longevity,42.1,baseline,1.018,0.846,True,67.9,False,,2000000.0,81133.93,91956.81,87822.51,40213.46,False,0,3.37,14.22
LI-2024-INS004-003753,2018-02-25,8,53,61,1965,female,never_smoker,33.8,58,161,NV,USA,married,high_school,professional,41169.88,0.3979,non_med_guaranteed,155,90,252,41,6.15,102,4.5,False,84.5,,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-439,1.5,term_life,250000,semi_annual,1744.65,15.0,none,,,,False,none,independent_broker,False,False,False,0.010635,0.027298,SOA_2015_VBT,SOA_Scale_MP2023,1.72,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005318,0.015,False,,1.0,False,,,,0.05,0.0691,False,normal_rate,3.11,2.28,True,False,False,False,False,0.805,40.5,35.4,preferred_longevity,71.6,baseline,1.202,0.35,True,60.3,False,,250000.0,13680.25,14570.5,13957.2,3314.84,False,0,-1.13,1.05
LI-2024-INS004-003754,2011-11-14,13,48,61,1963,female,current_smoker,33.1,62,181,GA,USA,divorced,graduate,white_collar,28654.35,0.4931,full_paramedical,135,85,264,55,4.8,97,5.6,True,,,False,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-445,1.5,term_life,100000,monthly,679.51,15.0,none,,,,True,none,bank,False,False,False,0.020637,0.046237,SOA_2015_VBT,SOA_Scale_MP2023,1.54,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010319,0.015,False,,1.0,False,,,,0.03,0.0392,False,normal_rate,3.6,2.06,False,False,False,False,False,0.973,48.6,42.2,super_preferred_longevity,93.2,baseline,1.13,0.509,True,85.7,False,,100000.0,5240.63,4996.88,5436.08,1291.07,False,0,-0.84,9.14
LI-2024-INS004-003755,2001-12-08,17,51,68,1950,male,never_smoker,27.6,60,141,ME,USA,married,bachelors,light_blue_collar,31959.51,0.4512,full_paramedical,133,86,244,40,6.1,100,4.5,False,87.5,4.33,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-500,1.5,term_life,500000,annual,4008.47,20.0,none,,,,False,none,employer_group,False,False,False,0.020308,0.05094,SOA_2015_VBT,SOA_Scale_MP2023,1.729,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010154,0.012,False,,1.0,False,,,,0.03,0.0482,False,normal_rate,3.38,2.44,False,False,False,False,False,0.757,36.3,19.3,standard_longevity,48.2,baseline,1.162,0.437,False,,False,,500000.0,31861.78,32294.41,30945.39,7840.57,False,0,6.04,11.83
LI-2024-INS004-003756,2019-09-16,1,69,70,1950,male,never_smoker,29.9,62,163,TX,USA,married,bachelors,white_collar,99108.77,0.7449,limited_exam,151,97,255,57,4.47,90,,False,71.8,11.28,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-063,1.5,group_life,250000,quarterly,1916.82,,none,,,,True,none,captive_agent,False,False,False,0.024177,0.04807,SOA_2015_VBT,SOA_Scale_MP2023,1.581,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012089,0.012,False,,1.0,True,2025-12-31,voluntary_surrender,1.0,0.18,0.1987,False,normal_rate,3.44,2.07,False,False,False,False,False,0.924,19.4,18.4,standard_longevity,51.3,baseline,0.941,0.614,False,,False,,250000.0,13328.08,12224.48,14107.8,3887.31,False,0,4.36,10.28
LI-2024-INS004-003757,2003-12-25,4,71,75,1932,male,current_smoker,19.5,74,152,SD,USA,divorced,bachelors,professional,58381.4,0.4639,full_paramedical,140,80,181,59,3.07,98,5.2,True,,8.86,False,False,False,True,False,none,,none,severe_gold_3,bipolar,2,False,False,True,False,True,substandard_table_9,,9.0,False,False,False,False,34,UW-013,3.25,annuity_deferred,1000000,annual,20700.36,,none,14589.61,,,True,none,direct_to_consumer,False,False,False,0.076027,0.509506,SOA_2015_VBT,SOA_Scale_MP2023,3.864,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.171062,0.005,False,,1.0,False,,,,0.04,0.0744,False,normal_rate,4.87,2.79,False,False,False,False,False,0.831,13.1,9.1,sub_standard_longevity,33.1,baseline,1.152,0.464,False,,False,,985410.39,69042.87,79007.84,75349.31,57381.4,False,0,-1.9,-20.0
LI-2024-INS004-003758,2003-01-16,14,66,80,1937,female,never_smoker,34.3,69,232,RI,USA,married,bachelors,professional,20000.0,0.7454,full_paramedical,128,62,248,55,4.51,103,5.4,False,,,False,False,False,False,False,none,,none,none,none,10,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,39,UW-254,1.25,indexed_ul,100000,semi_annual,897.47,,10yr_declining,1006.22,,,False,none,captive_agent,False,False,False,0.048193,0.078844,SOA_2015_VBT,SOA_Scale_MP2023,1.473,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012048,0.005,False,,1.0,False,,,,0.04,0.0441,False,normal_rate,3.57,2.1,False,False,False,False,False,0.897,23.9,10.2,standard_longevity,39.0,baseline,0.941,0.646,True,41.8,False,,98993.78,3301.55,3137.29,3661.68,2408.81,False,0,3.33,16.02
LI-2024-INS004-003759,2018-01-20,1,36,37,1982,female,former_smoker,37.1,60,189,MI,USA,married,bachelors,white_collar,85700.19,0.7862,full_paramedical,125,75,205,43,4.77,114,5.6,False,101.1,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-197,1.5,term_life,500000,annual,2234.01,15.0,none,,,,False,none,worksite,False,False,False,0.00222,0.004189,SOA_2015_VBT,SOA_Scale_MP2023,1.524,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00111,0.02,False,,1.0,False,,,,0.1,0.1071,False,normal_rate,1.81,2.16,False,False,False,False,False,0.983,62.0,55.0,super_preferred_longevity,100.0,baseline,0.91,0.771,False,,False,,500000.0,17634.73,15251.35,17872.08,4244.62,False,0,3.4,4.85
LI-2024-INS004-003760,2001-09-14,17,61,78,1940,female,never_smoker,21.9,72,161,MS,USA,divorced,graduate,heavy_blue_collar,24060.16,0.3712,full_paramedical,129,79,179,55,3.25,60,5.8,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,standard,1.48,,False,False,False,False,27,UW-135,1.08,group_life,500000,monthly,3858.42,,none,,,,False,none,independent_broker,False,False,False,0.038131,0.051867,SOA_2015_VBT,SOA_Scale_MP2023,1.048,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00305,0.008,False,,1.0,False,,,,0.1,0.1403,False,normal_rate,3.89,2.25,False,False,False,False,False,0.769,28.1,11.1,sub_standard_longevity,34.7,baseline,1.222,0.423,False,,False,,500000.0,16481.59,16262.82,17131.38,10078.19,False,0,-0.75,12.06
LI-2024-INS004-003761,2012-03-22,13,41,54,1971,female,never_smoker,21.3,63,120,MI,USA,married,high_school,professional,97999.61,0.5337,full_paramedical,108,69,218,48,4.54,100,4.3,False,71.1,,False,False,True,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-241,2.25,universal_life,500000,semi_annual,4712.23,,10yr_declining,4727.2,,,False,none,captive_agent,False,False,False,0.005914,0.023559,SOA_2015_VBT,SOA_Scale_MP2023,2.486,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007392,0.018,False,,1.0,False,,,,0.04,0.0509,False,normal_rate,2.57,2.78,False,False,False,True,False,0.914,57.2,44.2,super_preferred_longevity,96.8,baseline,1.1,0.584,False,,False,,495272.8,40165.26,33944.79,37697.84,8953.24,False,0,0.46,-11.21
LI-2024-INS004-003762,2008-04-05,5,54,59,1954,male,unknown,33.5,70,233,MD,USA,married,some_college,heavy_blue_collar,38773.63,0.8761,full_paramedical,143,86,188,48,3.92,113,5.4,False,71.9,2.46,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,0.73,1.0,False,False,False,False,23,UW-046,1.25,universal_life,500000,quarterly,3364.03,,10yr_declining,2392.85,,,False,none,independent_broker,False,False,False,0.011293,0.016616,SOA_2015_VBT,SOA_Scale_MP2023,1.449,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002823,0.012,False,,1.0,False,,,,0.08,0.036,False,normal_rate,3.83,1.41,False,False,False,False,False,0.975,35.6,30.6,preferred_longevity,71.5,baseline,0.843,1.0,False,,False,,497607.15,24578.25,23324.45,26912.24,6391.66,False,0,1.65,18.89
LI-2024-INS004-003763,2023-11-22,3,60,63,1963,female,never_smoker,29.2,71,209,WY,USA,married,some_college,heavy_blue_collar,71469.8,0.6381,simplified_issue,142,91,243,53,4.58,87,5.7,False,77.9,,False,False,False,False,True,melanoma,8.5,none,none,none,11,False,False,False,False,True,substandard_table_2,1.4,2.0,False,False,False,False,34,UW-484,1.5,universal_life,1000000,annual,7396.96,,10yr_declining,5113.62,,,True,none,captive_agent,False,False,False,0.012249,0.026707,SOA_2015_VBT,SOA_Scale_MP2023,1.645,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006125,0.015,False,,1.0,False,,,,0.08,0.0428,False,normal_rate,3.75,1.09,False,False,False,False,False,0.766,34.2,31.2,preferred_longevity,68.9,baseline,1.021,0.597,False,,False,,994886.38,61173.2,57603.54,59175.68,14054.22,False,0,1.34,11.79
LI-2024-INS004-003764,2022-02-05,1,49,50,1973,male,former_smoker,26.9,68,176,SD,USA,divorced,graduate,white_collar,447460.66,0.2999,full_paramedical,128,85,217,47,4.62,90,5.1,False,117.0,1.39,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,standard_plus,,,False,False,False,False,22,UW-260,0.93,term_life,1000000,quarterly,4058.58,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.006967,0.008644,SOA_2015_VBT,SOA_Scale_MP2023,0.969,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,4e-05,1.0,False,,,,0.1,0.2862,False,normal_rate,2.39,0.98,False,False,False,False,False,0.85,41.6,40.6,preferred_longevity,77.9,baseline,1.275,0.24,False,,False,,1000000.0,34965.48,28196.0,32468.64,7711.3,False,0,-1.41,22.92
LI-2024-INS004-003765,2005-09-27,2,51,53,1954,female,current_smoker,31.5,59,156,VA,USA,married,bachelors,professional,80867.74,0.297,non_med_guaranteed,138,91,203,59,3.44,101,,True,86.9,,False,False,False,False,False,none,,none,moderate_gold_2,anxiety,5,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,34,UW-192,2.5,whole_life,5000000,monthly,50612.38,,none,31032.73,,,True,excess_of_loss,employer_group,False,False,False,0.009545,0.047358,SOA_2015_VBT,SOA_Scale_MP2023,2.71,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014318,0.012,False,,1.0,False,,,,0.04,0.0983,False,normal_rate,4.24,2.74,False,False,False,False,False,0.991,40.2,39.8,preferred_longevity,76.7,baseline,1.277,0.212,True,46.7,False,,4968967.27,391819.65,381685.48,404899.04,96163.52,False,0,0.51,-20.0
LI-2024-INS004-003766,2015-08-27,12,69,81,1946,male,current_smoker,25.4,63,143,KS,USA,married,some_college,professional,135695.19,0.6099,full_paramedical,125,85,235,63,3.73,99,5.0,True,55.3,12.45,False,False,False,False,False,none,,none,moderate_gold_2,none,7,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,11,UW-164,2.5,term_life,1000000,semi_annual,16405.11,10.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.129776,0.537248,SOA_2015_VBT,SOA_Scale_MP2023,2.532,respiratory,True,2016-05-19,True,True,909031.96,0.0007,5e-05,1.095,0.194665,0.008,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,4.56,1.35,False,False,False,False,False,0.824,18.0,5.7,sub_standard_longevity,30.2,baseline,1.043,0.737,True,13.0,False,,1000000.0,38073.22,31970.95,37403.65,49937.15,False,0,-1.32,-20.0
LI-2024-INS004-003767,2020-03-01,7,48,55,1972,female,current_smoker,41.7,67,266,HI,USA,married,some_college,light_blue_collar,62671.45,0.68,full_paramedical,128,66,280,36,7.78,107,5.2,True,,,True,False,False,False,False,none,,none,mild_gold_1,depression,4,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,29,UW-375,2.5,term_life,500000,semi_annual,6107.55,10.0,none,,,,False,none,captive_agent,False,False,False,0.012841,0.058167,SOA_2015_VBT,SOA_Scale_MP2023,2.747,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019261,0.018,True,0.00399,1.0,False,,,,0.05,0.0578,False,normal_rate,2.13,1.33,True,False,False,False,False,0.957,48.0,41.0,super_preferred_longevity,84.2,baseline,0.99,0.615,False,,False,,500000.0,49728.7,45647.21,48860.4,11604.34,False,0,1.61,-17.91
LI-2024-INS004-003768,2011-10-12,5,27,32,1984,female,never_smoker,16.2,68,106,AK,USA,widowed,less_than_hs,white_collar,32336.43,0.0877,full_paramedical,94,50,207,62,3.34,87,,False,77.4,,False,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,True,True,True,standard,,,False,True,False,False,66,UW-321,1.0,universal_life,500000,monthly,1457.4,,15yr_declining,1036.52,,,False,none,direct_to_consumer,False,False,False,0.001289,0.002009,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.115,False,normal_rate,3.04,0.77,False,False,False,False,False,0.815,68.6,55.0,super_preferred_longevity,96.3,baseline,1.434,0.112,False,,False,,498963.48,12603.16,9925.92,11659.2,2769.06,False,0,2.62,14.73
LI-2024-INS004-003769,2004-04-23,22,55,77,1949,female,never_smoker,30.4,64,176,UT,USA,divorced,some_college,white_collar,80873.66,0.7411,accelerated_UW,140,74,256,50,5.12,97,5.4,False,62.4,,False,False,True,True,False,none,,none,none,anxiety,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,34,UW-346,2.5,indexed_ul,500000,annual,8235.13,,10yr_declining,12244.18,,,False,none,captive_agent,False,False,False,0.03757,0.15192,SOA_2015_VBT,SOA_Scale_MP2023,2.694,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.056356,0.008,False,,1.0,True,2025-10-30,non_payment,22.0,0.04,0.0443,False,normal_rate,2.03,2.86,False,False,False,False,False,0.95,40.0,18.0,preferred_longevity,60.6,baseline,0.944,0.871,False,,False,,487755.82,61683.89,51372.66,59292.94,16964.37,False,0,-1.85,-15.07
LI-2024-INS004-003770,2022-09-02,2,20,22,2002,female,never_smoker,15.0,66,92,UT,USA,married,bachelors,light_blue_collar,34739.82,0.8207,full_paramedical,116,69,204,49,4.16,60,,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,declined,,,False,False,True,False,15,UW-140,7.0,term_life,100000,monthly,1132.95,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.000854,0.012853,SOA_2015_VBT,SOA_Scale_MP2023,6.544,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005125,0.012,True,0.00279,1.0,False,,,,0.07,0.1023,False,normal_rate,5.19,0.61,False,False,False,False,False,0.848,70.0,55.0,super_preferred_longevity,100.0,baseline,0.884,0.864,False,,False,,100000.0,9791.29,8752.26,9063.6,2152.61,False,0,-5.0,-20.0
LI-2024-INS004-003771,2019-02-13,5,29,34,1990,female,never_smoker,25.8,70,179,AL,USA,divorced,some_college,professional,152608.06,0.8142,full_paramedical,121,75,247,56,4.41,70,5.7,False,,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,16,UW-399,0.65,term_life,2000000,quarterly,3544.31,20.0,none,,,,True,none,independent_broker,False,False,False,0.001434,0.000837,SOA_2015_VBT,SOA_Scale_MP2023,0.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0734,False,normal_rate,4.66,2.26,False,False,False,False,False,0.818,70.0,55.0,super_preferred_longevity,100.0,baseline,0.889,0.872,False,,False,,2000000.0,27859.66,28938.08,28354.48,6734.19,False,0,2.88,24.65
LI-2024-INS004-003772,2023-10-23,1,72,73,1951,male,never_smoker,25.2,66,156,MO,USA,married,bachelors,hazardous,53504.7,0.6723,full_paramedical,118,71,219,49,4.47,87,5.3,False,,5.78,False,False,False,False,False,none,,none,none,bipolar,8,False,False,False,True,True,substandard_table_4,3.53,4.0,True,False,False,False,39,UW-011,2.0,term_life,500000,quarterly,5717.38,15.0,none,,,,False,none,captive_agent,False,False,False,0.031804,0.101129,SOA_2015_VBT,SOA_Scale_MP2023,2.189,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031804,0.012,False,,1.0,True,2025-10-19,voluntary_surrender,1.0,0.1,0.1162,False,normal_rate,4.65,2.42,False,False,False,False,False,0.988,16.3,15.3,standard_longevity,45.5,baseline,0.996,0.73,False,,False,,500000.0,33050.91,31362.05,34990.37,13012.76,False,0,0.06,-10.72
LI-2024-INS004-003773,2012-12-27,12,70,82,1942,female,unknown,27.1,66,168,AR,USA,married,bachelors,professional,51539.6,0.7246,full_paramedical,125,71,204,43,4.74,119,4.9,False,67.5,,False,False,False,True,True,colorectal,9.2,none,none,none,1,False,False,False,False,True,declined,,,False,False,True,False,50,UW-178,7.0,term_life,1000000,monthly,42458.16,10.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.063022,0.816337,SOA_2015_VBT,SOA_Scale_MP2023,7.269,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.378133,0.008,False,,1.0,False,,,,0.03,0.0336,False,normal_rate,1.99,2.39,False,False,False,False,False,0.771,20.8,8.8,standard_longevity,36.6,baseline,0.957,0.793,False,,False,,1000000.0,139374.66,135552.08,149452.72,118713.02,False,0,-5.0,-20.0
LI-2024-INS004-003774,2002-08-28,12,40,52,1962,female,former_smoker,24.3,65,146,IN,USA,married,bachelors,heavy_blue_collar,115162.37,0.5251,non_med_guaranteed,126,84,183,52,3.52,90,,False,,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,standard_plus,1.08,,False,False,False,False,29,UW-256,0.91,universal_life,2000000,semi_annual,8423.84,,10yr_declining,8451.28,,,True,quota_share,direct_to_consumer,False,False,False,0.006246,0.006584,SOA_2015_VBT,SOA_Scale_MP2023,0.953,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0717,False,normal_rate,3.86,2.89,False,False,False,False,False,0.899,53.6,41.7,super_preferred_longevity,82.9,baseline,1.106,0.506,False,,True,0.071,1991548.72,67149.23,67019.78,67390.72,16005.3,False,0,2.23,21.07
LI-2024-INS004-003775,2011-04-04,14,40,54,1971,female,never_smoker,35.0,70,243,NV,USA,divorced,bachelors,professional,280247.46,0.7196,full_paramedical,146,87,180,32,5.62,84,9.3,False,100.0,,True,False,False,False,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,34,UW-200,3.0,annuity_deferred,250000,semi_annual,3721.16,,none,4101.38,,,False,none,independent_broker,False,False,False,0.005914,0.029301,SOA_2015_VBT,SOA_Scale_MP2023,3.077,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011827,0.018,False,,1.0,False,,,,0.01,0.0112,False,normal_rate,3.22,0.7,False,False,False,False,False,0.973,56.0,42.0,super_preferred_longevity,86.3,baseline,0.96,0.68,False,,False,,245898.62,29928.87,30625.98,29769.28,7070.2,False,0,-0.93,-20.0
LI-2024-INS004-003776,2006-04-15,10,79,89,1927,male,never_smoker,31.3,72,231,ND,USA,married,bachelors,professional,116343.81,0.2331,accelerated_UW,143,86,249,46,5.41,93,,False,60.7,8.66,False,False,False,True,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,True,47,UW-103,2.5,term_life,5000000,monthly,87559.45,30.0,none,,,,True,quota_share,bank,False,False,False,0.09437,0.47033,SOA_2015_VBT,SOA_Scale_MP2023,2.629,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.141555,0.012,False,,1.0,False,,,,0.05,0.0757,False,normal_rate,2.99,0.55,False,False,False,True,False,0.825,5.0,1.0,sub_standard_longevity,17.5,baseline,1.325,0.12,False,,False,,5000000.0,37225.64,35814.01,35023.78,299453.32,False,0,1.54,-20.0
LI-2024-INS004-003777,2022-01-15,1,66,67,1956,female,former_smoker,35.1,64,204,DE,USA,married,bachelors,white_collar,42274.91,0.115,limited_exam,128,91,273,40,6.83,104,4.7,False,,,False,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,43,UW-463,1.5,term_life,250000,annual,2063.56,25.0,none,,,,False,none,independent_broker,False,False,False,0.020814,0.063588,SOA_2015_VBT,SOA_Scale_MP2023,1.571,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010407,0.012,True,0.00695,1.0,True,2025-09-28,replacement,1.0,0.1,0.2251,False,normal_rate,1.02,2.96,False,False,True,False,False,0.759,24.8,23.8,standard_longevity,49.9,baseline,1.414,0.017,False,,False,,250000.0,17071.3,15427.77,16508.48,3920.76,False,0,2.85,-0.91
LI-2024-INS004-003778,2019-07-10,6,40,46,1979,male,never_smoker,28.7,72,211,HI,USA,married,graduate,light_blue_collar,95743.82,0.8057,full_paramedical,130,78,203,51,3.98,109,5.2,False,86.3,2.07,False,False,True,False,False,none,,none,none,bipolar,1,False,False,True,True,True,substandard_table_4,,4.0,False,False,False,False,60,UW-474,2.0,whole_life,250000,monthly,1786.68,,none,1451.53,,,False,none,captive_agent,True,False,False,0.003943,0.011216,SOA_2015_VBT,SOA_Scale_MP2023,2.059,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,False,,1.0,False,,,,0.02,0.0211,False,normal_rate,2.12,0.86,False,False,False,False,False,0.979,56.5,50.5,super_preferred_longevity,100.0,baseline,0.896,0.855,False,,False,,248548.47,15081.66,14663.31,14293.44,3394.69,False,0,4.48,3.75
LI-2024-INS004-003779,2023-09-24,1,29,30,1994,female,former_smoker,25.2,69,170,OK,USA,single,less_than_hs,light_blue_collar,150091.59,0.6861,full_paramedical,109,72,204,45,4.53,71,4.6,False,93.2,,False,False,False,False,False,none,,none,none,none,12,False,True,False,False,False,standard,,,False,False,False,False,21,UW-045,1.01,universal_life,250000,semi_annual,555.09,,10yr_declining,359.64,,,False,none,direct_to_consumer,False,False,False,0.001518,0.001574,SOA_2015_VBT,SOA_Scale_MP2023,1.042,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,1.5e-05,0.022,False,,1.0,False,,,,0.12,0.087,False,normal_rate,4.34,2.22,False,False,False,False,False,0.918,70.0,55.0,super_preferred_longevity,100.0,baseline,0.985,0.656,False,,False,,249640.36,4382.0,4647.27,4440.72,1054.67,False,0,2.0,16.22
LI-2024-INS004-003780,2021-11-03,2,63,65,1958,female,never_smoker,30.1,61,159,MT,USA,married,high_school,light_blue_collar,138417.53,0.7383,full_paramedical,119,69,233,40,5.83,98,,False,62.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,standard,,,False,True,False,False,34,UW-286,1.0,universal_life,1000000,monthly,6188.21,,10yr_declining,4314.13,,,True,none,employer_group,False,False,False,0.013789,0.015523,SOA_2015_VBT,SOA_Scale_MP2023,1.004,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00242,1.0,True,2025-10-21,voluntary_surrender,2.0,0.08,0.0479,False,normal_rate,4.87,0.81,False,False,False,False,False,0.841,30.6,28.6,preferred_longevity,66.5,baseline,0.946,0.667,False,,False,,995685.87,53557.12,42528.01,49505.68,11757.6,False,0,1.05,23.32
LI-2024-INS004-003781,2023-04-08,3,29,32,1994,male,never_smoker,35.2,67,224,RI,USA,married,bachelors,professional,67635.91,0.929,limited_exam,128,94,156,34,4.59,107,4.8,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-364,2.0,term_life,1000000,quarterly,5663.89,25.0,none,,,,True,none,independent_broker,False,False,False,0.001611,0.004498,SOA_2015_VBT,SOA_Scale_MP2023,2.231,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001611,0.022,False,,1.0,False,,,,0.07,0.067,False,normal_rate,2.22,1.26,False,False,False,False,False,0.939,67.6,55.0,super_preferred_longevity,100.0,baseline,0.803,0.91,False,,False,,1000000.0,44353.77,40438.84,45311.12,10761.39,False,0,1.35,-4.74
LI-2024-INS004-003782,2024-05-11,3,56,59,1968,female,former_smoker,36.4,62,198,DE,USA,married,some_college,professional,117532.46,0.3983,limited_exam,129,80,180,41,4.39,114,4.9,False,81.0,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-350,1.25,universal_life,100000,monthly,667.45,,15yr_declining,421.55,,,False,none,captive_agent,False,False,False,0.011663,0.021256,SOA_2015_VBT,SOA_Scale_MP2023,1.309,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002916,0.015,False,,1.0,False,,,,0.08,0.0497,False,normal_rate,2.57,1.07,False,False,False,False,False,0.949,38.0,35.0,preferred_longevity,71.0,baseline,1.201,0.404,False,,False,,99578.45,5534.41,4942.17,5339.6,1268.16,False,0,6.87,11.84
LI-2024-INS004-003783,2004-03-21,22,37,59,1967,female,never_smoker,22.7,66,140,CT,USA,married,graduate,light_blue_collar,166791.23,0.73,simplified_issue,149,91,213,50,4.26,98,5.2,False,69.6,,True,True,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-010,1.5,group_life,250000,monthly,1741.56,,none,,,,False,none,independent_broker,False,False,False,0.008972,0.018304,SOA_2015_VBT,SOA_Scale_MP2023,1.617,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004486,0.015,False,,1.0,False,,,,0.1,0.1116,False,normal_rate,3.97,1.23,False,False,False,False,False,0.905,58.2,36.2,preferred_longevity,77.8,baseline,0.953,0.636,False,,False,,250000.0,13206.73,13362.12,13932.48,3308.96,False,0,3.17,11.3
LI-2024-INS004-003784,2016-03-17,10,43,53,1973,male,former_smoker,29.1,62,159,UT,USA,single,less_than_hs,heavy_blue_collar,33730.01,0.785,full_paramedical,123,72,243,57,4.26,100,4.3,False,98.8,1.57,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,1.42,,False,False,False,False,23,UW-449,0.81,term_life,500000,monthly,2011.89,20.0,none,,,,False,none,captive_agent,False,False,False,0.008857,0.006594,SOA_2015_VBT,SOA_Scale_MP2023,0.817,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0536,False,normal_rate,2.8,0.91,False,False,False,False,False,0.806,49.5,47.7,super_preferred_longevity,95.8,baseline,0.911,0.574,True,90.5,False,,500000.0,15495.38,14861.67,16095.12,3822.59,False,0,4.96,23.22
LI-2024-INS004-003785,2009-01-03,4,73,77,1936,male,current_smoker,31.9,64,186,TX,USA,married,bachelors,professional,139922.96,0.202,full_paramedical,130,73,161,66,2.44,105,4.5,True,,3.26,False,False,False,False,False,none,,none,severe_gold_3,depression,7,True,False,False,False,False,substandard_table_9,2.67,9.0,True,False,False,False,12,UW-198,3.25,term_life,2000000,quarterly,36748.57,15.0,none,,,,True,coinsurance,bank,False,False,False,0.092357,0.681066,SOA_2015_VBT,SOA_Scale_MP2023,3.8,cardiovascular,True,2010-05-11,True,False,1735548.49,0.0007,5e-05,1.095,0.207803,0.005,False,,1.0,False,,,,0.07,0.1508,False,normal_rate,4.28,0.65,False,False,False,False,False,0.855,10.6,6.6,sub_standard_longevity,25.4,baseline,1.349,0.048,False,,False,,2000000.0,90263.97,84096.91,97016.22,109216.75,False,0,3.91,-20.0
LI-2024-INS004-003786,2022-05-06,3,18,21,2004,female,never_smoker,25.9,65,155,CA,USA,married,bachelors,professional,83615.28,0.4879,full_paramedical,113,69,155,62,2.5,106,4.7,False,101.6,,True,True,False,True,False,none,,none,none,bipolar,10,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,36,UW-287,2.5,annuity_deferred,250000,semi_annual,1029.98,,none,684.29,,,False,none,direct_to_consumer,False,True,False,0.000829,0.005861,SOA_2015_VBT,SOA_Scale_MP2023,2.599,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001243,0.012,True,0.00218,1.0,False,,,,0.04,0.0733,False,normal_rate,3.64,2.32,False,True,False,False,False,0.779,70.0,55.0,super_preferred_longevity,100.0,baseline,1.134,0.499,False,,False,,249315.71,8561.85,8410.22,8239.84,1956.96,False,0,-1.62,-15.27
LI-2024-INS004-003787,2007-07-18,9,19,28,1988,female,current_smoker,29.3,60,150,ID,USA,married,less_than_hs,white_collar,68428.76,0.8396,non_med_guaranteed,138,84,163,43,3.79,105,,True,93.6,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,12,UW-425,1.75,indexed_ul,500000,annual,2058.76,,10yr_declining,1826.95,,,False,none,independent_broker,False,False,False,0.002134,0.005129,SOA_2015_VBT,SOA_Scale_MP2023,1.9,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001601,0.02,False,,1.0,False,,,,0.06,0.0278,False,normal_rate,1.72,2.05,False,False,False,False,False,0.945,70.0,55.0,super_preferred_longevity,100.0,baseline,0.87,0.732,False,,False,,498173.05,16087.02,14610.86,16470.08,3911.64,False,0,4.41,-4.63
LI-2024-INS004-003788,2014-03-01,2,31,33,1983,female,never_smoker,31.4,59,155,WV,USA,divorced,some_college,white_collar,144812.53,0.732,full_paramedical,122,76,186,39,4.77,92,,False,90.5,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-196,0.76,term_life,100000,quarterly,223.17,30.0,none,,,,False,none,bank,False,False,False,0.001358,0.000974,SOA_2015_VBT,SOA_Scale_MP2023,0.754,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,True,2025-12-09,voluntary_surrender,2.0,0.07,0.078,False,normal_rate,1.81,1.86,False,False,False,False,False,0.89,67.0,55.0,super_preferred_longevity,100.0,baseline,0.951,0.608,False,,False,,100000.0,1797.24,1673.75,1785.36,424.02,False,0,3.62,23.77
LI-2024-INS004-003789,2004-10-14,2,48,50,1956,male,never_smoker,24.3,72,179,NH,USA,married,less_than_hs,professional,29110.08,0.883,simplified_issue,126,91,218,50,4.36,81,5.5,False,92.3,2.73,False,False,True,False,False,none,,none,none,none,1,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,45,UW-317,1.5,term_life,500000,monthly,3386.19,20.0,none,,,,False,none,captive_agent,True,False,False,0.004808,0.008614,SOA_2015_VBT,SOA_Scale_MP2023,1.542,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002404,0.012,False,,1.0,True,2026-03-15,voluntary_surrender,2.0,0.07,0.0696,False,normal_rate,3.44,1.85,False,False,False,False,True,0.936,44.9,42.9,super_preferred_longevity,100.0,baseline,0.838,0.791,False,,False,,500000.0,27003.14,26473.12,27089.52,6433.76,False,0,3.81,4.73
LI-2024-INS004-003790,2000-03-03,8,34,42,1966,male,never_smoker,26.8,60,137,AZ,USA,married,bachelors,white_collar,53302.03,0.2951,accelerated_UW,128,76,221,56,3.95,92,,False,63.5,0.91,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,15,UW-243,2.25,term_life,500000,quarterly,3865.95,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.002957,0.012222,SOA_2015_VBT,SOA_Scale_MP2023,2.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003696,0.015,False,,1.0,False,,,,0.05,0.1025,False,normal_rate,3.91,1.19,False,False,False,False,False,0.856,55.3,47.3,super_preferred_longevity,87.9,baseline,1.279,0.345,False,,False,,500000.0,33101.8,27978.15,30927.6,7345.3,False,0,-1.62,-10.3
LI-2024-INS004-003791,2019-02-11,3,25,28,1994,male,never_smoker,30.7,60,157,UT,USA,married,some_college,white_collar,30660.38,0.5471,non_med_guaranteed,114,72,216,50,4.32,95,5.1,False,112.3,,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-136,2.25,whole_life,500000,annual,2443.27,,none,1631.96,,,False,none,worksite,False,False,False,0.001334,0.00494,SOA_2015_VBT,SOA_Scale_MP2023,2.252,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001667,0.022,False,,1.0,False,,,,0.04,0.0505,False,normal_rate,1.76,1.49,False,False,False,False,False,0.931,70.0,67.9,super_preferred_longevity,100.0,baseline,1.09,0.508,True,96.7,False,,498368.04,20025.57,19525.82,19546.16,4642.21,False,0,-1.43,-15.72
LI-2024-INS004-003792,2004-10-27,6,58,64,1946,male,never_smoker,28.3,63,159,SC,USA,married,high_school,professional,61608.77,0.4705,full_paramedical,150,83,212,42,5.05,103,5.5,False,,6.62,False,False,False,False,True,lymphoma,4.9,none,none,bipolar,4,False,False,False,False,True,declined,,,False,False,True,False,32,UW-459,7.0,whole_life,500000,monthly,19651.99,,none,15012.27,,,False,none,independent_broker,False,False,False,0.014768,0.200245,SOA_2015_VBT,SOA_Scale_MP2023,6.59,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.088607,0.008,False,,1.0,False,,,,0.02,0.0265,False,normal_rate,3.74,1.07,False,False,False,False,False,0.826,28.4,23.3,standard_longevity,54.5,baseline,1.147,0.576,True,45.6,False,,484987.73,171723.73,134697.21,157215.92,37338.78,False,0,-5.0,-20.0
LI-2024-INS004-003793,2007-01-18,5,63,68,1944,female,never_smoker,30.9,69,209,MS,USA,single,some_college,light_blue_collar,39591.5,0.1123,full_paramedical,137,90,287,56,5.12,110,,False,,,False,False,False,False,True,colorectal,0.8,none,none,depression,3,False,False,False,False,True,standard,,,False,True,False,False,34,UW-017,1.0,indexed_ul,100000,annual,623.97,,10yr_declining,476.62,,,False,none,captive_agent,False,False,False,0.016449,0.025361,SOA_2015_VBT,SOA_Scale_MP2023,1.089,respiratory,True,2011-05-09,False,False,703652.12,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.08,0.0812,False,normal_rate,4.2,2.2,False,False,False,False,False,0.951,25.7,20.7,standard_longevity,45.2,baseline,1.416,0.0,False,,False,,99523.38,5118.53,4763.54,4991.76,1185.54,False,0,2.56,16.67
LI-2024-INS004-003794,2017-07-02,2,56,58,1961,female,never_smoker,32.8,67,209,AK,USA,widowed,high_school,white_collar,81189.55,0.7603,full_paramedical,155,88,212,23,9.22,111,5.5,False,73.7,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,19,UW-103,1.75,whole_life,500000,quarterly,4721.23,,none,3252.6,,,False,none,direct_to_consumer,False,False,False,0.007762,0.019129,SOA_2015_VBT,SOA_Scale_MP2023,1.844,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005821,0.015,False,,1.0,False,,,,0.04,0.0611,False,normal_rate,2.71,2.31,False,False,False,False,False,0.76,38.4,36.4,preferred_longevity,78.5,baseline,0.93,0.877,False,,False,,496747.4,37725.88,39480.38,37769.84,8970.34,False,0,1.61,-1.35
LI-2024-INS004-003795,2015-09-26,1,76,77,1939,male,never_smoker,30.0,74,233,WV,USA,married,some_college,heavy_blue_collar,30150.36,0.8384,full_paramedical,142,85,222,27,8.22,91,,False,,2.53,False,False,False,False,False,none,,none,none,none,8,False,True,False,False,False,substandard_table_3,0.6,3.0,False,False,False,False,5,UW-132,1.75,term_life,500000,annual,5561.03,30.0,none,,,,False,none,captive_agent,False,False,False,0.046878,0.114388,SOA_2015_VBT,SOA_Scale_MP2023,1.94,respiratory,True,2016-05-04,True,False,1359498.57,0.0007,5e-05,1.095,0.035159,0.005,False,,1.0,False,,,,0.1,0.1029,False,normal_rate,1.49,1.19,False,False,False,False,False,0.785,10.6,9.6,standard_longevity,39.5,baseline,0.871,0.837,False,,False,,500000.0,20487.09,19687.6,21354.36,15192.73,False,0,4.83,0.86
LI-2024-INS004-003796,2009-06-08,13,67,80,1942,female,never_smoker,25.7,65,154,MI,USA,married,bachelors,heavy_blue_collar,131074.56,0.4971,non_med_guaranteed,152,95,251,49,5.12,99,,False,63.7,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,1.09,2.0,False,False,False,False,10,UW-286,1.5,term_life,500000,monthly,5560.22,15.0,none,,,,False,none,bank,False,False,False,0.0461,0.111128,SOA_2015_VBT,SOA_Scale_MP2023,1.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02305,0.008,False,,1.0,False,,,,0.03,0.0391,False,normal_rate,3.52,2.16,False,False,False,False,False,0.845,22.9,9.9,sub_standard_longevity,34.8,baseline,1.127,0.518,False,,False,,500000.0,23250.17,19683.56,22018.47,15057.08,False,0,-0.77,11.51
LI-2024-INS004-003797,2003-05-18,1,37,38,1966,male,former_smoker,20.3,73,153,AR,USA,divorced,less_than_hs,heavy_blue_collar,46089.18,0.194,full_paramedical,121,78,192,61,3.15,73,5.3,False,83.6,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,True,True,substandard_table_4,0.65,4.0,False,False,False,False,38,UW-127,2.0,universal_life,1000000,quarterly,7046.47,,15yr_declining,4179.84,,,True,coinsurance,independent_broker,False,False,False,0.002951,0.011611,SOA_2015_VBT,SOA_Scale_MP2023,2.166,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002951,0.015,False,,1.0,True,2025-10-12,voluntary_surrender,1.0,0.12,0.1168,False,normal_rate,4.29,2.37,False,True,True,False,False,0.766,51.9,58.7,super_preferred_longevity,100.0,baseline,1.355,0.284,True,77.6,False,,995820.16,53082.66,52017.72,56371.76,13388.29,False,0,-0.91,-6.85
LI-2024-INS004-003798,2003-10-08,22,67,89,1936,female,former_smoker,28.4,71,203,NJ,USA,divorced,some_college,white_collar,141472.06,0.535,full_paramedical,139,81,173,41,4.22,109,,False,55.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-138,1.25,universal_life,250000,semi_annual,2026.26,,15yr_declining,3026.2,,,False,none,independent_broker,False,False,False,0.134268,0.226828,SOA_2015_VBT,SOA_Scale_MP2023,1.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033567,0.005,False,,1.0,False,,,,0.04,0.0509,False,normal_rate,2.24,2.41,False,False,False,False,False,0.782,21.9,1.0,sub_standard_longevity,22.0,baseline,1.099,0.479,False,,False,,246973.8,759.25,702.83,810.5,6929.81,False,0,5.23,9.08
LI-2024-INS004-003799,2009-02-25,14,33,47,1976,male,current_smoker,36.2,61,191,SC,USA,married,bachelors,light_blue_collar,25047.84,0.3364,full_paramedical,109,61,265,32,8.28,117,6.2,True,84.9,1.5,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,4,UW-420,2.5,whole_life,250000,monthly,2590.24,,none,2698.32,,,False,none,worksite,True,False,False,0.008502,0.040364,SOA_2015_VBT,SOA_Scale_MP2023,2.603,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012752,0.018,False,,1.0,False,,,,0.015,0.0215,False,normal_rate,3.7,2.76,False,False,False,True,False,0.836,58.2,46.3,super_preferred_longevity,87.0,baseline,1.248,0.315,True,56.7,True,-0.78,247301.68,20812.3,21151.67,20721.92,4921.46,False,0,2.91,-20.0
LI-2024-INS004-003800,2022-08-24,2,20,22,2002,female,former_smoker,31.9,70,222,AK,USA,married,some_college,heavy_blue_collar,45835.39,0.7273,full_paramedical,132,79,221,40,5.53,103,,False,,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,1.49,1.0,False,False,False,False,12,UW-335,1.25,universal_life,2000000,monthly,4306.54,,10yr_declining,2992.38,,,True,facultative,captive_agent,False,False,False,0.00111,0.003902,SOA_2015_VBT,SOA_Scale_MP2023,1.437,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000278,0.012,True,0.0021,1.0,False,,,,0.08,0.0403,False,normal_rate,4.18,1.09,False,False,False,False,False,0.814,70.0,55.0,super_preferred_longevity,100.0,baseline,0.955,0.79,False,,False,,1997007.62,31125.59,29833.22,34452.32,8182.43,False,0,-0.68,13.99
LI-2024-INS004-003801,2011-05-04,6,50,56,1961,male,never_smoker,23.0,66,142,MT,USA,single,some_college,white_collar,124338.51,0.5629,full_paramedical,110,68,193,56,3.45,69,5.0,False,90.3,14.99,False,False,False,False,False,none,,none,none,bipolar,16,False,True,True,False,True,substandard_table_4,,4.0,False,False,False,False,50,UW-231,2.0,whole_life,500000,quarterly,4439.79,,none,3502.74,,,False,none,employer_group,False,False,False,0.008207,0.0275,SOA_2015_VBT,SOA_Scale_MP2023,2.181,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008207,0.015,False,,1.0,False,,,,0.02,0.03,False,normal_rate,5.4,2.38,False,False,False,False,False,0.758,39.6,33.6,preferred_longevity,71.3,baseline,1.078,0.615,False,,False,,496497.26,35206.37,33426.38,35518.32,8435.6,False,0,2.98,-2.55
LI-2024-INS004-003802,2002-03-03,16,18,34,1984,female,never_smoker,29.2,64,169,WV,USA,married,some_college,white_collar,95698.04,0.8431,non_med_guaranteed,142,83,162,57,2.84,60,,False,104.3,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-114,1.25,universal_life,2000000,monthly,7268.07,,15yr_declining,8558.8,,,True,none,captive_agent,False,False,False,0.001434,0.00221,SOA_2015_VBT,SOA_Scale_MP2023,1.488,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.02,False,,1.0,False,,,,0.04,0.1396,True,normal_rate,4.36,0.78,False,False,False,False,False,0.823,70.0,54.0,super_preferred_longevity,100.0,baseline,0.868,0.702,False,,False,,1991441.2,57220.71,53207.05,58144.56,13809.33,False,0,2.16,13.56
LI-2024-INS004-003803,2024-09-03,2,70,72,1954,female,never_smoker,30.0,58,143,SD,USA,single,high_school,professional,106106.03,0.4908,full_paramedical,124,83,226,56,4.04,91,,False,49.4,,True,False,False,False,True,other,2.6,none,none,bipolar,10,True,False,False,False,True,substandard_table_6,2.8,6.0,True,False,False,False,46,UW-368,2.5,annuity_deferred,500000,annual,8084.47,,none,5146.15,,,True,excess_of_loss,independent_broker,False,False,False,0.024174,0.10535,SOA_2015_VBT,SOA_Scale_MP2023,2.525,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036261,0.012,False,,1.0,False,,,,0.04,0.0523,False,normal_rate,4.94,2.16,False,False,False,False,False,0.945,22.0,20.6,standard_longevity,50.8,baseline,1.132,0.786,False,,True,0.422,494853.85,65348.98,55887.2,64675.76,15360.49,False,0,0.0,-14.49
LI-2024-INS004-003804,2004-11-28,17,35,52,1969,male,never_smoker,18.8,73,142,CA,USA,married,graduate,white_collar,29818.28,0.2616,accelerated_UW,124,71,154,65,2.37,108,,False,78.1,4.07,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred_plus,,,False,False,False,True,36,UW-118,0.69,term_life,100000,quarterly,266.39,20.0,none,,,,False,none,bank,False,False,False,0.006284,0.00458,SOA_2015_VBT,SOA_Scale_MP2023,0.559,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0447,False,normal_rate,2.19,1.3,False,False,False,False,False,0.981,54.6,37.6,preferred_longevity,72.8,baseline,1.304,0.288,False,,False,,100000.0,2130.87,1918.79,2131.12,506.14,False,0,7.12,24.77
LI-2024-INS004-003805,2021-05-22,6,52,58,1969,female,former_smoker,22.8,60,116,OK,USA,married,high_school,white_collar,87658.38,0.7807,limited_exam,128,80,186,58,3.21,96,5.6,False,77.0,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,10,UW-474,0.76,universal_life,250000,quarterly,993.62,,15yr_declining,742.91,,,False,none,independent_broker,True,False,False,0.010719,0.010503,SOA_2015_VBT,SOA_Scale_MP2023,0.808,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00258,1.0,False,,,,0.06,0.029,False,normal_rate,4.12,0.57,False,False,False,False,False,0.923,43.7,37.4,super_preferred_longevity,80.3,baseline,0.914,0.799,True,31.0,False,,249257.09,7555.64,8306.32,7948.96,1887.88,False,0,6.13,25.18
LI-2024-INS004-003806,2009-10-11,2,73,75,1936,male,former_smoker,32.4,76,266,PA,USA,divorced,bachelors,heavy_blue_collar,64388.66,0.6607,full_paramedical,122,70,213,34,6.26,114,5.4,False,67.4,3.54,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,0.69,2.0,False,False,False,False,26,UW-167,1.5,indexed_ul,100000,monthly,885.02,,15yr_declining,599.74,,,True,coinsurance,bank,False,False,False,0.050419,0.104873,SOA_2015_VBT,SOA_Scale_MP2023,1.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025209,0.005,False,,1.0,False,,,,0.08,0.0422,False,normal_rate,3.78,2.5,False,False,False,False,False,0.812,12.4,11.9,standard_longevity,40.3,baseline,1.004,0.504,True,74.4,False,,99400.26,4319.0,3800.19,4212.7,2255.03,False,0,2.48,14.9
LI-2024-INS004-003807,2001-09-15,13,70,83,1931,female,never_smoker,24.3,62,132,MT,USA,single,high_school,professional,20000.0,0.3781,limited_exam,122,71,206,60,3.43,85,,False,98.7,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,preferred_plus,,,False,False,False,False,21,UW-493,0.62,term_life,100000,monthly,445.44,25.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.060588,0.04481,SOA_2015_VBT,SOA_Scale_MP2023,0.608,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0419,False,normal_rate,1.74,1.98,False,False,False,False,False,0.795,17.6,4.6,sub_standard_longevity,25.1,baseline,1.216,0.491,False,,False,,100000.0,827.71,826.35,819.61,1395.12,False,0,6.41,20.9
LI-2024-INS004-003808,2013-05-21,9,45,54,1968,male,former_smoker,27.3,65,164,NE,USA,married,some_college,professional,29291.92,0.7562,full_paramedical,126,72,204,52,3.92,106,,False,78.3,3.22,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-444,1.25,term_life,500000,semi_annual,2543.09,20.0,none,,,,False,none,bank,False,False,False,0.00961,0.01515,SOA_2015_VBT,SOA_Scale_MP2023,1.422,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002402,0.015,False,,1.0,False,,,,0.05,0.0548,False,normal_rate,5.51,1.94,False,False,False,False,False,0.894,46.4,38.3,super_preferred_longevity,81.3,baseline,0.933,0.759,True,41.2,False,,500000.0,21217.22,21354.02,20344.72,4831.87,False,0,4.58,10.15
LI-2024-INS004-003809,2015-04-03,10,26,36,1989,female,never_smoker,23.0,67,146,HI,USA,single,bachelors,professional,57676.96,0.6401,full_paramedical,117,76,188,51,3.69,85,,False,75.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,46,UW-083,2.25,universal_life,1000000,monthly,6526.01,,10yr_declining,6022.01,,,True,excess_of_loss,independent_broker,False,False,False,0.001608,0.005716,SOA_2015_VBT,SOA_Scale_MP2023,2.26,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.02,False,,1.0,False,,,,0.06,0.0321,False,normal_rate,3.82,2.67,False,False,False,False,False,0.818,70.0,55.0,super_preferred_longevity,100.0,baseline,1.02,0.651,False,,False,,993977.99,51770.45,45569.51,52208.08,12399.42,False,0,1.96,-11.84
LI-2024-INS004-003810,2002-06-01,3,38,41,1964,female,never_smoker,24.5,68,161,NM,USA,married,graduate,light_blue_collar,183713.63,0.494,full_paramedical,110,72,207,54,3.83,109,,False,82.2,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-283,2.25,indexed_ul,250000,annual,2143.4,,15yr_declining,1368.05,,,False,none,independent_broker,False,False,False,0.002176,0.0085,SOA_2015_VBT,SOA_Scale_MP2023,2.352,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00272,0.015,False,,1.0,False,,,,0.08,0.047,False,normal_rate,2.62,1.6,False,False,False,False,False,0.81,55.8,52.8,super_preferred_longevity,99.1,baseline,1.129,0.598,False,,False,,248631.95,16011.25,17810.16,17147.2,4072.46,False,0,0.06,-18.26
LI-2024-INS004-003811,2002-01-09,23,34,57,1968,male,never_smoker,31.8,64,185,KY,USA,married,high_school,heavy_blue_collar,238840.81,0.5574,limited_exam,105,60,199,37,5.38,78,5.9,False,,1.18,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,0.74,1.0,False,False,False,False,11,UW-175,1.25,universal_life,1000000,monthly,6391.57,,15yr_declining,10089.06,,,True,quota_share,captive_agent,False,False,False,0.009477,0.015904,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002369,0.015,False,,1.0,False,,,,0.04,0.0502,False,normal_rate,1.42,1.68,False,False,False,False,False,0.91,56.6,33.6,preferred_longevity,71.3,baseline,1.082,0.592,False,,False,,989910.94,47912.89,44455.34,51132.56,12143.98,False,0,0.92,8.88
LI-2024-INS004-003812,2001-06-14,12,66,78,1935,female,never_smoker,27.4,63,154,CT,USA,married,graduate,heavy_blue_collar,78791.69,0.8754,full_paramedical,132,82,217,37,5.86,100,,False,79.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,True,False,True,substandard_table_5,0.7,5.0,False,False,False,False,60,UW-137,2.25,whole_life,500000,semi_annual,6832.2,,none,6773.55,,,True,facultative,independent_broker,False,False,False,0.040103,0.130598,SOA_2015_VBT,SOA_Scale_MP2023,2.379,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050129,0.005,False,,1.0,False,,,,0.015,0.015,False,normal_rate,3.55,0.66,True,False,False,False,False,0.876,24.2,12.2,standard_longevity,43.9,baseline,0.843,0.994,False,,False,,493226.45,36281.84,32301.68,33341.14,17244.47,False,0,1.41,-7.46
LI-2024-INS004-003813,2021-11-12,1,57,58,1964,female,never_smoker,23.7,72,175,NY,USA,single,graduate,hazardous,171101.41,0.7205,full_paramedical,131,73,205,64,3.2,99,,False,74.3,,False,False,True,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,3.16,4.0,True,False,False,False,8,UW-051,2.0,whole_life,500000,annual,5012.13,,none,2895.36,,,False,none,captive_agent,False,False,False,0.008122,0.030234,SOA_2015_VBT,SOA_Scale_MP2023,2.228,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008122,0.015,True,0.00475,1.0,False,,,,0.06,0.0674,False,normal_rate,4.94,2.45,False,False,False,False,False,0.956,40.7,44.1,super_preferred_longevity,99.5,baseline,0.96,0.769,True,66.4,False,,497104.64,38187.21,41288.68,40097.04,9523.05,False,0,3.18,-4.31
LI-2024-INS004-003814,2004-02-10,21,27,48,1977,male,former_smoker,23.2,74,180,ME,USA,married,high_school,white_collar,50841.38,0.423,limited_exam,123,82,137,46,2.98,106,,False,86.2,3.5,False,False,True,False,False,none,,none,none,bipolar,33,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-220,2.0,term_life,100000,quarterly,860.78,30.0,none,,,,False,none,employer_group,False,False,False,0.005964,0.020558,SOA_2015_VBT,SOA_Scale_MP2023,2.069,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005964,0.018,False,,1.0,False,,,,0.03,0.049,False,normal_rate,3.8,0.8,False,False,False,False,False,0.966,67.7,46.7,super_preferred_longevity,98.9,baseline,1.183,0.474,False,,False,,100000.0,6793.75,5924.9,6886.24,1635.48,False,0,-1.22,-11.74
LI-2024-INS004-003815,2021-12-02,6,57,63,1964,female,never_smoker,25.9,61,136,VA,USA,married,some_college,heavy_blue_collar,31780.23,0.7598,full_paramedical,121,75,224,44,5.09,93,,False,,,False,False,False,True,False,none,,none,none,none,6,False,False,False,False,True,substandard_table_6,1.03,6.0,False,False,False,False,44,UW-169,2.5,whole_life,1000000,monthly,12945.26,,none,10118.7,,,True,none,bank,True,False,False,0.012436,0.052909,SOA_2015_VBT,SOA_Scale_MP2023,2.699,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018654,0.015,True,0.00303,1.0,False,,,,0.02,0.0218,False,normal_rate,2.97,1.08,False,False,False,False,False,0.808,37.8,31.8,preferred_longevity,71.6,baseline,0.93,0.801,False,,False,,989881.3,111394.1,106064.33,103562.08,24595.99,False,0,0.64,-12.86
LI-2024-INS004-003816,2004-05-26,2,64,66,1940,male,never_smoker,25.5,66,158,KY,USA,married,bachelors,light_blue_collar,383474.45,0.6217,limited_exam,126,83,211,49,4.31,84,5.2,False,,3.74,False,False,True,False,True,leukemia,0.5,none,none,substance_use_disorder,3,False,False,False,False,True,declined,,,False,False,True,False,38,UW-129,7.0,universal_life,250000,semi_annual,9017.56,,15yr_declining,5803.45,,,False,none,independent_broker,False,False,False,0.016733,0.20453,SOA_2015_VBT,SOA_Scale_MP2023,6.02,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.100399,0.008,False,,1.0,False,,,,0.08,0.0433,False,normal_rate,2.64,2.95,False,False,False,False,False,0.839,25.1,23.1,preferred_longevity,66.5,baseline,1.034,0.621,False,,False,,244196.55,75610.86,66089.07,72140.48,17133.36,False,0,-5.0,-20.0
LI-2024-INS004-003817,2001-12-13,19,64,83,1937,female,never_smoker,24.8,63,139,IA,USA,widowed,bachelors,professional,63468.76,0.6413,accelerated_UW,130,83,220,45,4.89,90,,False,61.5,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,True,29,UW-464,0.81,universal_life,100000,monthly,600.39,,15yr_declining,803.99,,,False,none,employer_group,False,False,False,0.062438,0.048165,SOA_2015_VBT,SOA_Scale_MP2023,0.757,cancer,True,2002-01-12,True,True,1676170.07,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.04,0.057,False,normal_rate,4.65,1.76,False,True,False,False,False,0.972,25.5,6.5,sub_standard_longevity,31.9,baseline,1.019,0.641,False,,False,,99196.01,1431.14,1409.26,1561.01,1789.16,False,0,6.72,24.96
LI-2024-INS004-003818,2015-06-25,3,77,80,1938,male,never_smoker,27.0,63,152,NJ,USA,married,graduate,light_blue_collar,63050.01,0.8437,full_paramedical,150,91,209,37,5.65,77,5.3,False,,4.15,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-049,2.25,term_life,5000000,quarterly,84273.6,30.0,none,,,,True,facultative,captive_agent,False,False,False,0.060544,0.205682,SOA_2015_VBT,SOA_Scale_MP2023,2.476,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.07568,0.005,False,,1.0,False,,,,0.07,0.0718,False,normal_rate,3.31,1.06,False,False,False,False,False,0.987,9.5,6.5,sub_standard_longevity,34.9,baseline,0.867,0.916,False,,False,,5000000.0,224061.98,206606.01,219111.36,251135.33,False,0,-0.29,-13.17
LI-2024-INS004-003819,2005-10-13,17,34,51,1971,female,never_smoker,22.4,66,138,MN,USA,divorced,bachelors,heavy_blue_collar,190238.57,0.8653,full_paramedical,128,79,158,46,3.43,107,5.6,False,72.2,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,1.38,1.0,False,False,False,False,18,UW-363,1.25,whole_life,500000,semi_annual,2506.77,,none,3004.44,,,False,none,bank,False,False,False,0.004641,0.006445,SOA_2015_VBT,SOA_Scale_MP2023,1.338,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00116,0.018,False,,1.0,False,,,,0.015,0.0151,False,normal_rate,3.75,0.97,False,False,False,False,False,0.959,62.6,45.6,super_preferred_longevity,93.9,baseline,0.851,0.782,False,,False,,496995.56,19420.99,17498.12,20054.16,4762.86,False,0,5.78,14.14
LI-2024-INS004-003820,2012-07-18,7,58,65,1954,female,former_smoker,24.8,70,172,WA,USA,married,less_than_hs,white_collar,119851.27,0.8585,limited_exam,115,75,199,51,3.9,60,5.1,False,67.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,16,UW-095,0.84,term_life,250000,monthly,1057.01,15.0,none,,,,False,none,independent_broker,False,False,False,0.017081,0.011669,SOA_2015_VBT,SOA_Scale_MP2023,0.798,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0507,False,normal_rate,1.45,0.83,False,False,False,False,False,0.973,35.5,29.9,preferred_longevity,70.2,baseline,0.856,0.818,True,48.6,False,,250000.0,8508.0,7386.46,8456.08,2008.32,False,0,4.67,18.09
LI-2024-INS004-003821,2000-08-16,19,35,54,1965,female,never_smoker,31.2,59,154,IL,USA,married,graduate,light_blue_collar,35255.19,0.3953,full_paramedical,122,61,202,41,4.93,91,,False,,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-456,1.25,group_life,500000,annual,2662.66,,none,,,,False,none,direct_to_consumer,False,False,False,0.005914,0.01078,SOA_2015_VBT,SOA_Scale_MP2023,1.307,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.015,False,,1.0,False,,,,0.1,0.1937,False,normal_rate,3.8,2.25,True,False,False,False,False,0.814,58.5,39.5,preferred_longevity,77.7,baseline,1.204,0.346,False,,False,,500000.0,22910.18,20645.78,21301.28,5059.05,False,0,1.03,14.91
LI-2024-INS004-003822,2021-04-15,5,49,54,1972,male,current_smoker,35.0,76,287,ND,USA,married,high_school,white_collar,341704.5,0.2009,full_paramedical,143,86,191,33,5.79,119,5.0,True,,3.96,False,False,False,False,False,none,,none,none,schizophrenia,6,False,True,False,False,False,substandard_table_7,,7.0,False,False,False,False,24,UW-011,2.75,annuity_deferred,1000000,monthly,11075.74,,none,8555.96,,,True,none,captive_agent,False,False,False,0.014784,0.089811,SOA_2015_VBT,SOA_Scale_MP2023,2.92,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025872,0.018,True,0.00569,1.0,False,,,,0.04,0.0862,False,normal_rate,5.01,1.81,False,False,False,False,False,0.845,41.0,36.0,preferred_longevity,69.5,baseline,1.349,0.135,False,,False,,991444.04,81581.82,86809.22,88605.92,21043.91,False,0,2.54,-20.0
LI-2024-INS004-003823,2022-03-07,5,67,72,1955,male,never_smoker,29.1,65,174,TX,USA,divorced,some_college,professional,53888.91,0.9717,full_paramedical,149,89,250,32,7.81,111,5.6,False,61.1,4.76,True,False,False,False,False,none,,none,none,schizophrenia,9,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-431,2.25,whole_life,500000,annual,7028.69,,none,5541.73,,,False,none,independent_broker,False,False,False,0.030584,0.094666,SOA_2015_VBT,SOA_Scale_MP2023,2.34,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03823,0.012,True,0.00124,1.0,False,,,,0.04,0.0369,False,normal_rate,2.02,2.47,False,False,False,False,False,0.871,23.1,18.1,standard_longevity,54.2,baseline,0.771,1.0,False,,False,,494458.27,52765.01,52332.24,50887.72,14422.87,False,0,1.56,-6.46
LI-2024-INS004-003824,2010-07-16,11,22,33,1988,male,never_smoker,29.5,67,188,WV,USA,single,high_school,white_collar,22348.07,0.5005,simplified_issue,141,83,204,46,4.43,93,5.1,False,,,False,True,False,True,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,standard,,,False,True,False,False,41,UW-149,1.0,term_life,250000,monthly,741.32,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001698,0.002087,SOA_2015_VBT,SOA_Scale_MP2023,1.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0546,False,normal_rate,3.7,0.66,False,False,False,False,False,0.995,70.0,61.5,super_preferred_longevity,100.0,baseline,1.125,0.544,True,68.4,False,,250000.0,5727.02,5252.69,5930.56,1408.51,False,0,0.44,23.13
LI-2024-INS004-003825,2023-11-21,3,25,28,1998,male,never_smoker,35.6,74,277,CT,USA,single,graduate,white_collar,33828.06,0.5518,full_paramedical,145,85,235,50,4.7,66,4.9,False,75.4,,False,False,False,False,False,none,,none,none,anxiety,4,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,58,UW-263,1.25,term_life,2000000,annual,6601.34,15.0,none,,,,True,none,direct_to_consumer,False,False,False,0.001334,0.00246,SOA_2015_VBT,SOA_Scale_MP2023,1.468,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000333,0.022,False,,1.0,True,2025-09-15,voluntary_surrender,3.0,0.07,0.1233,False,normal_rate,3.32,1.71,False,False,True,False,False,0.78,70.0,55.0,super_preferred_longevity,100.0,baseline,1.086,0.518,False,,False,,2000000.0,53312.36,47163.21,52810.72,12542.55,False,0,1.43,10.65
LI-2024-INS004-003826,2018-09-07,9,24,33,1994,male,former_smoker,23.8,61,125,MS,USA,married,high_school,hazardous,22460.08,0.5917,simplified_issue,100,52,163,69,2.36,76,,False,95.0,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,4.62,,True,False,False,False,8,UW-195,0.98,term_life,1000000,quarterly,2554.13,20.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.002207,0.002296,SOA_2015_VBT,SOA_Scale_MP2023,0.985,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.0859,False,normal_rate,4.11,1.86,False,False,False,False,False,0.819,70.0,55.0,super_preferred_longevity,100.0,baseline,1.056,0.564,False,,True,0.315,1000000.0,20109.61,19457.52,20433.04,4852.85,False,0,5.37,14.86
LI-2024-INS004-003827,2022-01-04,5,66,71,1956,male,never_smoker,27.3,62,149,KS,USA,single,some_college,light_blue_collar,33998.39,0.7837,full_paramedical,157,99,212,62,3.42,91,5.2,False,74.2,6.15,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-474,1.5,universal_life,1000000,semi_annual,8743.48,,10yr_declining,6232.67,,,True,quota_share,independent_broker,False,False,False,0.028366,0.057825,SOA_2015_VBT,SOA_Scale_MP2023,1.541,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014183,0.012,True,0.00377,1.0,False,,,,0.08,0.0386,False,normal_rate,3.85,0.5,False,False,False,False,False,0.773,23.5,18.5,standard_longevity,52.0,baseline,0.912,0.703,False,,False,,993767.33,62261.33,67034.15,64701.75,17661.83,False,0,3.34,4.1
LI-2024-INS004-003828,2024-10-04,1,49,50,1975,male,never_smoker,37.4,65,224,NE,USA,single,bachelors,white_collar,20000.0,0.527,full_paramedical,164,100,177,57,3.11,91,5.2,False,75.9,1.24,True,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-326,2.0,term_life,500000,monthly,4329.54,25.0,none,,,,False,none,captive_agent,False,False,False,0.005359,0.017503,SOA_2015_VBT,SOA_Scale_MP2023,2.051,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.018,False,,1.0,False,,,,0.1,0.1278,False,normal_rate,4.42,0.56,False,False,False,False,False,0.778,42.8,41.1,super_preferred_longevity,82.1,baseline,1.105,0.643,True,32.2,True,-0.412,500000.0,31721.07,32189.75,34636.32,8226.13,False,0,2.11,-9.01
LI-2024-INS004-003829,2021-07-17,1,24,25,1997,male,former_smoker,34.1,65,205,MT,USA,married,bachelors,heavy_blue_collar,24076.16,0.5277,full_paramedical,141,80,195,25,7.8,92,8.7,False,,,False,False,False,False,False,none,,type_2,none,anxiety,7,False,False,False,False,True,substandard_table_5,1.11,5.0,False,False,False,False,42,UW-003,2.25,term_life,250000,annual,1310.47,20.0,none,,,,False,none,worksite,False,False,False,0.001538,0.011221,SOA_2015_VBT,SOA_Scale_MP2023,2.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001922,0.022,True,0.00544,1.0,True,2026-01-01,unknown,1.0,0.1,0.1278,False,normal_rate,1.97,1.02,False,False,True,False,False,0.922,70.0,55.0,super_preferred_longevity,100.0,baseline,1.104,0.523,False,,False,,250000.0,9925.57,9980.21,10483.76,2489.89,False,0,-0.73,-12.99
LI-2024-INS004-003830,2008-04-05,14,62,76,1946,female,never_smoker,32.0,67,204,ND,USA,married,bachelors,light_blue_collar,23181.41,0.4558,full_paramedical,151,98,216,51,4.24,108,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-024,1.5,term_life,500000,annual,4748.37,25.0,none,,,,False,none,captive_agent,False,False,False,0.033613,0.075316,SOA_2015_VBT,SOA_Scale_MP2023,1.503,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016806,0.008,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,4.59,2.76,False,False,False,False,False,0.933,28.4,14.4,standard_longevity,40.9,baseline,1.158,0.397,False,,False,,500000.0,25305.88,24695.25,27350.61,11149.17,False,0,3.51,0.88
LI-2024-INS004-003831,2024-10-10,2,47,49,1977,female,never_smoker,36.7,60,187,IA,USA,married,some_college,white_collar,294238.92,0.7887,full_paramedical,123,79,219,41,5.34,133,5.8,False,93.1,,False,False,False,False,False,none,,none,none,none,18,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,11,UW-218,1.25,universal_life,2000000,quarterly,9687.02,,10yr_declining,5845.14,,,True,facultative,captive_agent,True,False,False,0.003965,0.006362,SOA_2015_VBT,SOA_Scale_MP2023,1.491,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000991,0.018,False,,1.0,False,,,,0.08,0.0385,False,normal_rate,3.38,0.92,False,False,False,False,False,0.767,50.1,48.1,super_preferred_longevity,96.5,baseline,0.908,0.983,False,,False,,1994154.86,70898.38,68346.34,77496.16,18405.34,False,0,0.53,14.11
LI-2024-INS004-003832,2000-05-25,24,30,54,1970,female,former_smoker,32.3,68,212,NY,USA,married,bachelors,professional,44315.41,0.5716,full_paramedical,123,76,218,40,5.45,95,6.0,False,79.7,,False,True,False,False,False,none,,pre_diabetes,none,none,1,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,44,UW-036,1.25,whole_life,2000000,annual,11837.69,,none,19706.96,,,True,quota_share,independent_broker,False,False,False,0.007688,0.013847,SOA_2015_VBT,SOA_Scale_MP2023,1.448,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001922,0.018,False,,1.0,False,,,,0.015,0.0186,False,normal_rate,4.66,2.19,False,False,False,False,False,0.819,65.2,45.5,super_preferred_longevity,89.3,baseline,1.071,0.502,True,64.9,False,,1980293.04,91003.4,88887.32,94701.52,22491.61,False,0,3.51,17.79
LI-2024-INS004-003833,2019-10-04,7,60,67,1959,female,never_smoker,33.8,59,167,AL,USA,divorced,bachelors,white_collar,21331.16,0.7583,full_paramedical,139,88,164,49,3.35,97,5.8,False,79.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,23,UW-428,1.0,whole_life,1000000,annual,5823.62,,none,4496.32,,,True,none,captive_agent,False,False,False,0.016601,0.016017,SOA_2015_VBT,SOA_Scale_MP2023,1.036,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0219,False,normal_rate,3.63,0.89,False,False,False,False,False,0.766,33.8,26.0,preferred_longevity,62.9,baseline,0.931,0.502,True,22.7,False,,995503.68,50116.45,45265.48,46588.96,11064.88,False,0,6.61,11.06
LI-2024-INS004-003834,2020-10-14,7,45,52,1975,female,former_smoker,24.4,59,120,IL,USA,single,high_school,white_collar,48790.23,0.7865,simplified_issue,121,77,145,43,3.37,76,5.3,False,76.6,,False,False,False,False,False,none,,none,none,depression,9,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-081,1.25,term_life,1000000,quarterly,6066.12,20.0,none,,,,True,quota_share,bank,False,False,False,0.006536,0.013888,SOA_2015_VBT,SOA_Scale_MP2023,1.422,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001634,0.018,True,0.0038,1.0,False,,,,0.05,0.0535,False,normal_rate,5.67,0.66,False,False,False,False,False,0.863,51.8,44.8,super_preferred_longevity,91.5,baseline,0.91,0.707,False,,False,,1000000.0,49976.19,42726.86,48528.96,11525.63,False,0,1.84,6.55
LI-2024-INS004-003835,2015-10-11,12,25,37,1990,female,never_smoker,26.9,68,176,IL,USA,married,graduate,white_collar,84837.01,0.5878,full_paramedical,99,63,208,52,4.0,91,,False,83.0,,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,True,False,True,standard,,,False,True,False,False,52,UW-318,1.0,indexed_ul,2000000,quarterly,6568.08,,15yr_declining,6368.73,,,True,none,captive_agent,False,False,False,0.001707,0.001814,SOA_2015_VBT,SOA_Scale_MP2023,1.003,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.04,0.0221,False,normal_rate,2.85,2.96,False,False,False,False,False,0.922,70.0,55.0,super_preferred_longevity,100.0,baseline,1.059,0.447,False,,False,,1993631.27,52016.92,53049.36,52544.64,12479.35,False,0,3.04,28.89
LI-2024-INS004-003836,2009-05-19,10,57,67,1952,male,never_smoker,29.5,70,205,HI,USA,single,high_school,heavy_blue_collar,20000.0,0.7953,accelerated_UW,136,94,174,42,4.14,96,,False,69.3,6.42,False,False,False,True,False,none,,none,none,none,6,False,False,False,False,True,substandard_table_6,1.2,6.0,False,False,False,True,40,UW-486,2.5,term_life,2000000,monthly,25777.83,20.0,none,,,,True,facultative,employer_group,False,False,False,0.01907,0.073921,SOA_2015_VBT,SOA_Scale_MP2023,2.63,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028605,0.012,False,,1.0,False,,,,0.05,0.0638,False,normal_rate,2.43,2.94,False,False,False,False,False,0.91,31.9,21.9,standard_longevity,57.3,baseline,0.904,0.825,False,,False,,2000000.0,225646.1,199747.93,206222.64,48977.88,False,0,0.81,-13.46
LI-2024-INS004-003837,2012-08-10,12,54,66,1958,male,former_smoker,32.8,62,179,MI,USA,single,high_school,white_collar,21574.56,0.8757,limited_exam,142,78,182,65,2.8,81,5.4,False,98.9,4.07,False,False,False,True,False,none,,none,none,depression,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,42,UW-092,2.5,group_life,1000000,quarterly,13401.53,,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.024436,0.090495,SOA_2015_VBT,SOA_Scale_MP2023,2.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.036654,0.012,False,,1.0,False,,,,0.1,0.1399,False,normal_rate,2.1,1.44,False,False,False,False,False,0.962,36.2,25.4,preferred_longevity,63.7,baseline,0.843,0.782,True,48.8,False,,1000000.0,117187.36,99421.79,107212.24,25462.91,False,0,-2.46,-15.34
LI-2024-INS004-003838,2021-01-26,1,56,57,1965,female,former_smoker,28.0,69,189,SC,USA,married,high_school,professional,123949.15,0.6315,simplified_issue,133,88,203,48,4.23,127,5.6,False,,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-371,1.25,term_life,1000000,annual,5325.07,20.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.009856,0.018367,SOA_2015_VBT,SOA_Scale_MP2023,1.33,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002464,0.015,True,0.00245,1.0,False,,,,0.1,0.1673,False,normal_rate,3.56,2.85,False,False,False,False,False,0.986,38.5,42.6,super_preferred_longevity,85.9,baseline,1.026,0.546,True,73.5,False,,1000000.0,45190.89,41437.43,42600.56,10117.63,False,0,0.22,19.02
LI-2024-INS004-003839,2002-07-21,25,45,70,1957,male,never_smoker,32.4,76,266,GA,USA,married,high_school,hazardous,62517.18,0.8883,full_paramedical,153,89,224,51,4.39,134,5.1,False,,5.75,False,False,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,3.19,4.0,True,False,False,False,30,UW-247,2.0,whole_life,250000,annual,3031.48,,none,5009.2,,,False,none,worksite,False,False,False,0.026309,0.074305,SOA_2015_VBT,SOA_Scale_MP2023,2.188,respiratory,True,2006-09-01,False,False,921721.51,0.0007,5e-05,1.095,0.026309,0.012,False,,1.0,False,,,,0.015,0.0148,False,normal_rate,1.16,2.54,False,False,False,False,False,0.793,45.1,20.1,standard_longevity,56.0,baseline,0.834,1.0,False,,False,,244990.8,25146.11,20633.3,24251.84,5759.81,False,0,3.58,-7.04
LI-2024-INS004-003840,2005-07-06,2,73,75,1932,female,never_smoker,21.7,59,107,LA,USA,married,bachelors,heavy_blue_collar,20363.95,0.4499,full_paramedical,145,81,206,50,4.12,88,,False,77.1,,False,False,False,False,False,none,,none,none,none,8,False,False,False,True,True,substandard_table_1,1.02,1.0,False,False,False,False,57,UW-052,1.25,whole_life,500000,semi_annual,3423.87,,none,2122.88,,,True,facultative,employer_group,False,False,False,0.030411,0.059716,SOA_2015_VBT,SOA_Scale_MP2023,1.474,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007603,0.005,False,,1.0,False,,,,0.04,0.0643,False,normal_rate,3.8,1.23,False,False,False,False,False,0.841,15.0,13.0,standard_longevity,38.7,baseline,1.163,0.382,False,,False,,497877.12,17675.08,17708.79,17804.12,8422.72,False,0,2.64,15.76
LI-2024-INS004-003841,2003-08-04,8,25,33,1978,female,former_smoker,31.0,60,158,AR,USA,married,graduate,white_collar,199648.93,0.4085,limited_exam,121,75,223,60,3.72,90,,False,91.1,,False,False,False,False,False,none,,none,none,none,3,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,33,UW-430,1.5,whole_life,1000000,quarterly,4661.64,,none,3927.83,,,True,none,independent_broker,False,False,False,0.001766,0.004563,SOA_2015_VBT,SOA_Scale_MP2023,1.746,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000883,0.018,False,,1.0,False,,,,0.02,0.0275,False,normal_rate,3.17,2.71,False,False,False,False,False,0.981,70.0,63.6,super_preferred_longevity,100.0,baseline,1.194,0.532,True,78.4,False,,996072.17,39073.98,32794.4,37293.12,8857.12,False,0,1.4,3.63
LI-2024-INS004-003842,2002-05-26,6,56,62,1946,female,never_smoker,25.3,64,147,LA,USA,married,high_school,white_collar,137452.56,0.8964,full_paramedical,123,79,206,50,4.12,102,,False,63.0,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-176,2.0,group_life,100000,monthly,1109.55,,none,,,,False,none,independent_broker,False,False,False,0.009946,0.026584,SOA_2015_VBT,SOA_Scale_MP2023,2.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009946,0.008,False,,1.0,False,,,,0.12,0.1179,False,normal_rate,0.95,2.33,False,False,False,False,False,0.755,36.1,28.9,preferred_longevity,69.3,baseline,0.828,0.938,True,19.5,False,,100000.0,8758.54,7842.06,8876.4,2108.14,False,0,1.89,-2.67
LI-2024-INS004-003843,2000-06-28,24,44,68,1956,male,former_smoker,22.7,64,132,NH,USA,married,high_school,white_collar,98536.59,0.2994,full_paramedical,141,87,166,62,2.68,84,,False,,6.26,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-303,2.25,term_life,500000,annual,5643.51,15.0,none,,,,False,none,captive_agent,False,False,False,0.028383,0.117367,SOA_2015_VBT,SOA_Scale_MP2023,2.262,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035479,0.012,False,,1.0,False,,,,0.03,0.0438,False,normal_rate,2.53,0.71,False,False,False,False,False,0.828,43.6,19.6,standard_longevity,46.4,baseline,1.275,0.299,False,,False,,500000.0,42998.79,44855.91,44245.12,10903.26,False,0,3.27,-16.88
LI-2024-INS004-003844,2012-04-01,12,70,82,1942,female,never_smoker,31.4,62,171,UT,USA,divorced,less_than_hs,light_blue_collar,34791.1,0.6158,full_paramedical,133,85,292,53,5.51,119,4.9,False,64.6,,False,False,True,False,True,lymphoma,5.1,none,none,depression,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,35,UW-042,3.0,whole_life,250000,quarterly,5151.01,,none,5234.27,,,False,none,bank,False,False,False,0.054802,0.292741,SOA_2015_VBT,SOA_Scale_MP2023,3.219,respiratory,True,2023-05-13,False,False,1353566.59,0.0007,5e-05,1.095,0.109604,0.008,False,,1.0,False,,,,0.015,0.0181,False,normal_rate,4.74,1.2,False,False,False,False,False,0.769,23.4,11.7,standard_longevity,49.3,baseline,1.038,0.636,True,42.3,False,,244765.73,23290.56,24111.87,24106.73,13207.19,False,0,-0.85,-20.0
LI-2024-INS004-003845,2007-08-18,11,40,51,1967,male,never_smoker,22.8,76,187,AL,USA,single,graduate,heavy_blue_collar,66201.14,0.8681,full_paramedical,116,71,163,41,3.98,90,,False,62.6,1.0,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,1.24,5.0,False,False,False,False,6,UW-288,2.25,term_life,500000,annual,4238.79,20.0,none,,,,False,none,worksite,False,False,False,0.005801,0.01874,SOA_2015_VBT,SOA_Scale_MP2023,2.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007251,0.015,False,,1.0,False,,,,0.03,0.0302,False,normal_rate,3.28,1.01,False,False,False,False,False,0.833,51.7,40.9,super_preferred_longevity,86.9,baseline,0.849,0.782,True,35.0,False,,500000.0,31905.93,29936.43,33910.32,8053.7,False,0,-1.75,-4.54
LI-2024-INS004-003846,2011-02-04,7,37,44,1974,female,unknown,21.3,68,139,WY,USA,married,graduate,white_collar,41364.89,0.695,non_med_guaranteed,113,62,183,45,4.07,120,,False,111.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,3,UW-076,0.99,whole_life,1000000,annual,3182.2,,none,2421.71,,,True,excess_of_loss,independent_broker,False,False,False,0.003133,0.002892,SOA_2015_VBT,SOA_Scale_MP2023,0.943,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,True,2026-03-09,voluntary_surrender,7.0,0.02,0.0229,False,normal_rate,4.9,1.64,False,False,False,False,False,0.966,59.3,56.4,super_preferred_longevity,100.0,baseline,0.979,0.823,True,57.5,False,,997578.29,24965.1,26396.95,25457.6,6046.18,False,0,5.79,21.62
LI-2024-INS004-003847,2005-01-14,2,71,73,1934,male,former_smoker,36.3,62,198,WY,USA,divorced,high_school,white_collar,46597.95,0.1225,full_paramedical,154,98,276,42,6.57,101,5.6,False,76.7,4.41,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-496,2.25,universal_life,500000,annual,6892.8,,10yr_declining,4418.65,,,False,none,bank,False,False,False,0.041912,0.193916,SOA_2015_VBT,SOA_Scale_MP2023,2.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.052391,0.005,False,,1.0,False,,,,0.08,0.0807,False,normal_rate,1.92,2.26,False,False,False,False,False,0.928,12.0,8.7,sub_standard_longevity,27.4,baseline,1.408,0.037,True,69.0,True,-1.646,495581.35,22048.73,23752.73,23986.94,19327.41,False,0,-0.68,-13.84
LI-2024-INS004-003848,2011-07-25,3,75,78,1936,female,never_smoker,28.2,66,174,ID,USA,married,high_school,white_collar,28652.32,0.6856,limited_exam,143,91,256,62,4.13,81,5.5,False,76.2,,True,False,False,False,True,breast,2.2,none,none,schizophrenia,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,41,UW-038,2.25,term_life,2000000,semi_annual,32776.26,30.0,none,,,,True,facultative,captive_agent,False,False,False,0.040305,0.147288,SOA_2015_VBT,SOA_Scale_MP2023,2.439,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050381,0.005,False,,1.0,False,,,,0.07,0.0806,False,normal_rate,5.07,1.87,False,False,False,False,False,0.957,14.5,11.5,standard_longevity,40.0,baseline,0.986,0.666,False,,False,,2000000.0,157942.75,150017.22,150770.8,84562.75,False,0,0.43,-6.15
LI-2024-INS004-003849,2006-09-20,20,69,89,1937,male,current_smoker,27.3,63,153,OK,USA,married,graduate,heavy_blue_collar,34640.28,0.8084,accelerated_UW,133,76,250,55,4.55,83,5.5,True,73.2,20.0,False,False,False,False,False,none,,none,severe_gold_3,none,0,False,False,False,False,False,substandard_table_9,0.65,9.0,False,False,False,True,22,UW-374,3.25,universal_life,250000,quarterly,5624.43,,15yr_declining,7502.34,,,False,none,independent_broker,False,False,False,0.259506,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,3.997,infectious,True,2019-01-15,False,False,1531081.58,0.0007,5e-05,1.095,0.583888,0.005,False,,1.0,False,,,,0.04,0.0421,False,normal_rate,4.52,2.44,False,False,False,True,False,0.976,17.2,1.0,sub_standard_longevity,26.1,baseline,0.894,0.76,False,,False,,242497.66,2279.05,2296.24,2249.77,19235.55,False,0,-2.79,-20.0
LI-2024-INS004-003850,2001-12-01,11,78,89,1923,female,current_smoker,37.8,69,256,AL,USA,married,graduate,heavy_blue_collar,135673.62,0.0936,full_paramedical,154,102,226,28,8.07,122,4.6,True,74.3,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_6,1.03,6.0,False,False,False,False,28,UW-176,2.5,indexed_ul,500000,monthly,8240.59,,10yr_declining,8163.97,,,False,none,worksite,False,False,False,0.143874,0.74922,SOA_2015_VBT,SOA_Scale_MP2023,2.593,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.215811,0.012,False,,1.0,False,,,,0.04,0.2067,True,normal_rate,2.57,2.9,False,False,False,False,False,0.889,7.8,1.0,sub_standard_longevity,15.4,baseline,1.43,0.197,False,,False,,491836.03,3243.6,2875.65,3296.24,28182.82,False,0,-1.39,-18.82
LI-2024-INS004-003851,2016-09-13,9,27,36,1989,male,former_smoker,21.2,73,160,PA,USA,married,high_school,white_collar,61152.64,0.7489,full_paramedical,127,76,167,46,3.63,91,,False,107.5,,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,standard_plus,,,False,False,False,False,19,UW-370,1.0,term_life,1000000,quarterly,3240.32,15.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.002613,0.002273,SOA_2015_VBT,SOA_Scale_MP2023,0.927,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.055,False,normal_rate,5.8,0.97,False,False,False,False,False,0.87,67.9,55.0,super_preferred_longevity,100.0,baseline,0.938,0.584,False,,False,,1000000.0,24853.35,24311.91,25922.56,6156.61,False,0,4.07,22.8
LI-2024-INS004-003852,2002-11-16,18,48,66,1954,female,former_smoker,22.1,63,125,MT,USA,married,graduate,professional,169992.54,0.3097,accelerated_UW,136,88,257,55,4.67,99,,False,61.4,,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,53,UW-493,2.25,universal_life,5000000,annual,68034.67,,10yr_declining,83222.05,19806.85,0.238,True,none,independent_broker,False,False,False,0.018627,0.080052,SOA_2015_VBT,SOA_Scale_MP2023,2.404,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023284,0.012,False,,1.0,False,,,,0.04,0.0349,False,normal_rate,3.86,1.02,False,False,False,False,False,0.87,43.3,30.2,preferred_longevity,62.4,baseline,1.268,0.411,True,87.0,False,,4916777.95,571241.18,510776.51,544277.36,129265.87,False,0,2.78,-20.0
LI-2024-INS004-003853,2005-07-06,13,72,85,1933,female,current_smoker,35.6,60,182,OK,USA,single,high_school,white_collar,31079.91,0.8535,full_paramedical,148,90,234,45,5.2,79,4.6,True,70.7,,False,False,False,True,False,none,,none,mild_gold_1,schizophrenia,11,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,39,UW-060,3.0,term_life,250000,monthly,5110.41,15.0,none,,,,False,none,captive_agent,False,False,False,0.145243,0.684016,SOA_2015_VBT,SOA_Scale_MP2023,3.151,other,True,2008-02-25,False,False,1277421.93,0.0007,5e-05,1.095,0.290486,0.005,False,,1.0,False,,,,0.03,0.0305,False,normal_rate,6.13,2.37,False,False,False,False,False,0.866,17.8,5.0,sub_standard_longevity,32.8,baseline,0.86,0.845,True,44.5,False,,250000.0,10013.03,9883.09,10220.82,15842.27,False,0,-4.31,-20.0
LI-2024-INS004-003854,2004-01-08,9,55,64,1949,male,never_smoker,29.9,76,245,ME,USA,divorced,bachelors,professional,41343.96,0.7197,accelerated_UW,143,87,193,54,3.57,97,,False,74.7,4.5,False,False,True,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,True,68,UW-185,1.25,whole_life,250000,monthly,1609.4,,none,1367.9,,,True,facultative,bank,False,False,False,0.015128,0.023044,SOA_2015_VBT,SOA_Scale_MP2023,1.326,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003782,0.008,False,,1.0,False,,,,0.02,0.0225,False,normal_rate,2.4,1.72,False,False,False,False,False,0.796,35.9,26.9,preferred_longevity,73.6,baseline,0.96,0.705,False,,False,,248632.1,13350.93,12374.72,12875.2,3057.86,False,0,4.43,15.08
LI-2024-INS004-003855,2021-05-18,3,61,64,1960,female,never_smoker,28.6,60,146,MN,USA,married,graduate,light_blue_collar,100456.63,0.9589,full_paramedical,135,82,210,41,5.12,87,5.3,False,,,False,False,False,False,True,breast,10.2,none,none,anxiety,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,25,UW-459,1.25,whole_life,250000,monthly,1647.13,,none,1042.14,,,False,none,direct_to_consumer,False,False,False,0.01276,0.019131,SOA_2015_VBT,SOA_Scale_MP2023,1.45,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00319,0.015,True,0.00149,1.0,False,,,,0.04,0.0522,False,normal_rate,1.4,2.09,False,False,False,False,False,0.947,34.0,31.0,preferred_longevity,73.4,baseline,0.781,0.987,False,,False,,248957.86,14018.86,12912.78,13177.04,3129.55,False,0,3.06,10.32
LI-2024-INS004-003856,2016-02-23,5,77,82,1939,female,former_smoker,31.9,69,215,IA,USA,married,high_school,white_collar,165550.79,0.4546,full_paramedical,125,82,265,25,10.6,107,5.3,False,59.4,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,True,False,True,True,substandard_table_5,,5.0,False,False,False,False,25,UW-419,2.25,whole_life,500000,quarterly,7228.39,,none,5546.78,,,False,none,independent_broker,False,False,False,0.075227,0.308611,SOA_2015_VBT,SOA_Scale_MP2023,2.461,neurological,True,2018-05-26,False,False,210479.82,0.0007,5e-05,1.095,0.094033,0.005,False,,1.0,False,,,,0.04,0.0535,False,normal_rate,2.55,2.87,False,False,False,False,False,0.899,12.1,7.1,sub_standard_longevity,30.0,baseline,1.159,0.569,False,,False,,494453.22,19554.37,19791.14,20528.63,21193.64,False,0,1.75,-14.56
LI-2024-INS004-003857,2021-10-16,6,29,35,1992,female,never_smoker,26.5,67,169,TX,USA,single,some_college,white_collar,82456.86,0.1684,simplified_issue,89,53,173,62,2.79,125,,False,96.4,,False,False,False,False,False,none,,none,none,bipolar,0,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-004,2.0,term_life,100000,monthly,640.97,25.0,none,,,,False,none,independent_broker,False,False,False,0.001517,0.011956,SOA_2015_VBT,SOA_Scale_MP2023,2.153,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001517,0.022,True,0.00595,1.0,False,,,,0.05,0.0783,False,normal_rate,2.3,1.0,False,False,False,False,False,0.812,68.2,62.8,super_preferred_longevity,100.0,baseline,1.374,0.399,True,74.9,False,,100000.0,5129.22,5379.66,5127.76,1217.84,False,0,0.66,-10.99
LI-2024-INS004-003858,2011-06-10,6,58,64,1953,male,former_smoker,22.3,60,114,TN,USA,widowed,bachelors,light_blue_collar,260574.28,0.6181,non_med_guaranteed,121,70,185,56,3.3,109,,False,,1.61,False,False,False,False,False,none,,none,none,schizophrenia,12,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,10,UW-150,2.25,term_life,1000000,monthly,10962.23,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.019347,0.070745,SOA_2015_VBT,SOA_Scale_MP2023,2.322,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024184,0.012,False,,1.0,False,,,,0.05,0.0603,False,normal_rate,3.56,1.57,False,False,False,False,False,0.85,30.4,26.0,preferred_longevity,60.8,baseline,1.036,0.687,True,54.2,False,,1000000.0,83550.56,91930.33,87697.84,20828.24,False,0,-1.34,-6.52
LI-2024-INS004-003859,2004-11-10,3,28,31,1976,female,unknown,38.4,64,223,AK,USA,single,high_school,white_collar,181934.97,0.3356,full_paramedical,133,89,169,32,5.28,109,6.2,False,,,False,False,False,False,False,none,,pre_diabetes,none,none,0,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,30,UW-429,1.5,group_life,1000000,monthly,4010.21,,none,,,,True,none,captive_agent,False,False,False,0.00141,0.003517,SOA_2015_VBT,SOA_Scale_MP2023,1.598,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000705,0.018,False,,1.0,False,,,,0.15,0.2147,False,normal_rate,3.4,0.99,True,False,False,False,False,0.998,67.2,55.0,super_preferred_longevity,100.0,baseline,1.248,0.322,False,,False,,1000000.0,31288.21,33277.46,32081.68,7619.4,False,0,2.18,-1.06
LI-2024-INS004-003860,2010-08-18,17,51,68,1959,female,never_smoker,32.5,72,239,MD,USA,single,graduate,professional,32732.63,0.4655,non_med_guaranteed,145,82,234,61,3.84,110,5.7,False,87.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,20,UW-035,1.0,universal_life,500000,monthly,2662.87,,15yr_declining,3243.4,,,True,quota_share,direct_to_consumer,False,False,False,0.018111,0.021448,SOA_2015_VBT,SOA_Scale_MP2023,1.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0743,False,normal_rate,2.13,1.1,False,False,False,False,False,0.751,41.7,25.2,standard_longevity,57.3,baseline,1.151,0.49,True,39.4,False,,496756.6,20253.26,21934.27,21302.96,5059.45,False,0,3.04,18.49
LI-2024-INS004-003861,2001-12-27,9,33,42,1968,female,former_smoker,20.2,58,96,IN,USA,married,high_school,light_blue_collar,45499.05,0.6595,full_paramedical,123,85,215,48,4.48,101,,False,102.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-270,2.25,term_life,500000,annual,3442.03,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.003075,0.011082,SOA_2015_VBT,SOA_Scale_MP2023,2.341,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003844,0.015,False,,1.0,True,2026-04-19,non_payment,9.0,0.05,0.0821,False,normal_rate,4.11,1.72,False,False,True,False,False,0.887,62.0,53.0,super_preferred_longevity,100.0,baseline,1.005,0.601,False,,False,,500000.0,26730.92,24068.98,27536.24,6539.86,False,0,1.64,-17.04
LI-2024-INS004-003862,2009-07-04,14,24,38,1985,male,never_smoker,28.3,72,208,CT,USA,married,bachelors,white_collar,86027.64,0.7547,accelerated_UW,110,68,200,58,3.45,88,,False,92.1,,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,7,UW-059,2.0,term_life,500000,semi_annual,3204.23,15.0,none,,,,True,none,independent_broker,False,False,False,0.00227,0.006812,SOA_2015_VBT,SOA_Scale_MP2023,2.142,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.02,False,,1.0,False,,,,0.03,0.0329,False,normal_rate,3.17,2.85,False,False,False,False,False,0.817,70.0,55.0,super_preferred_longevity,100.0,baseline,0.934,0.754,False,,False,,500000.0,25054.17,25534.35,25633.84,6088.04,False,0,2.42,-1.09
LI-2024-INS004-003863,2022-03-22,1,68,69,1954,male,never_smoker,27.5,61,145,ID,USA,married,some_college,professional,41762.47,0.4007,limited_exam,141,97,193,32,6.03,98,5.4,False,94.3,2.7,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-411,1.5,indexed_ul,1000000,annual,8923.77,,15yr_declining,5528.5,,,True,excess_of_loss,independent_broker,False,False,False,0.023253,0.055785,SOA_2015_VBT,SOA_Scale_MP2023,1.502,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011627,0.012,True,0.00226,1.0,False,,,,0.11,0.0683,False,normal_rate,2.61,1.04,False,True,False,False,False,0.829,19.7,18.7,standard_longevity,46.6,baseline,1.199,0.494,False,,False,,994471.5,73054.63,61384.38,66749.8,17883.24,False,0,1.65,11.2
LI-2024-INS004-003864,2022-12-27,2,27,29,1995,male,never_smoker,35.8,75,286,SC,USA,divorced,some_college,hazardous,42484.21,0.5163,non_med_guaranteed,116,70,206,40,5.15,91,8.6,False,,,False,False,True,False,False,none,,type_2,none,schizophrenia,1,False,False,False,False,True,substandard_table_5,3.16,5.0,True,False,False,False,46,UW-262,2.25,group_life,2000000,quarterly,10813.88,,none,,,,True,none,captive_agent,True,False,False,0.001394,0.011282,SOA_2015_VBT,SOA_Scale_MP2023,2.465,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001743,0.022,True,0.00572,1.0,True,2026-05-16,unknown,2.0,0.15,0.193,False,normal_rate,5.03,2.82,False,False,False,False,False,0.855,70.0,52.9,super_preferred_longevity,100.0,baseline,1.113,0.529,True,20.3,False,,2000000.0,92351.9,76398.73,86511.04,20546.37,False,0,0.3,-14.44
LI-2024-INS004-003865,2002-07-10,22,70,92,1932,female,never_smoker,23.1,71,165,VA,USA,single,bachelors,white_collar,44144.47,0.7446,full_paramedical,134,82,197,56,3.52,86,5.5,False,54.6,,False,False,False,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,35,UW-229,2.5,group_life,500000,monthly,9590.46,,none,,,,False,none,independent_broker,False,False,False,0.129574,0.508877,SOA_2015_VBT,SOA_Scale_MP2023,2.578,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.194361,0.005,False,,1.0,False,,,,0.1,0.1104,False,normal_rate,4.08,2.46,False,False,False,False,False,0.784,19.2,1.0,sub_standard_longevity,25.2,baseline,0.942,0.8,False,,False,,500000.0,3608.12,3353.79,3836.18,32799.37,False,0,-2.14,-13.89
LI-2024-INS004-003866,2000-11-02,11,35,46,1965,female,never_smoker,21.9,67,139,AL,USA,married,bachelors,light_blue_collar,280576.46,0.5841,full_paramedical,121,75,173,52,3.33,60,,False,85.6,,True,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-230,2.0,universal_life,100000,quarterly,833.27,,10yr_declining,813.76,,,False,none,independent_broker,False,False,False,0.003155,0.009858,SOA_2015_VBT,SOA_Scale_MP2023,2.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003155,0.015,False,,1.0,False,,,,0.04,0.1513,True,normal_rate,3.9,1.41,False,False,False,False,False,0.952,59.3,54.4,super_preferred_longevity,100.0,baseline,1.062,0.623,True,70.8,False,,99186.24,7295.46,5969.83,6666.16,1583.21,False,0,1.18,-8.07
LI-2024-INS004-003867,2018-11-05,9,58,67,1960,male,never_smoker,27.1,68,178,OK,USA,married,bachelors,white_collar,74193.55,0.8654,full_paramedical,135,89,190,67,2.84,79,5.6,False,78.8,5.0,False,False,False,True,False,none,,none,none,depression,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,22,UW-450,2.5,term_life,500000,semi_annual,7663.75,20.0,none,,,,False,none,bank,False,False,False,0.020687,0.077521,SOA_2015_VBT,SOA_Scale_MP2023,2.641,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03103,0.015,False,,1.0,True,2026-04-14,non_payment,9.0,0.05,0.0504,False,normal_rate,4.4,0.96,False,False,False,True,False,0.83,32.7,26.9,preferred_longevity,65.8,baseline,0.851,0.883,True,72.5,False,,500000.0,62275.24,63327.43,61310.0,14561.12,False,0,4.55,-20.0
LI-2024-INS004-003868,2019-04-16,7,44,51,1975,female,former_smoker,31.7,64,184,HI,USA,married,some_college,hazardous,91008.65,0.7351,full_paramedical,124,80,210,46,4.57,118,5.2,False,113.0,,True,False,True,False,False,none,,none,none,none,10,False,False,False,False,False,standard_plus,4.62,,True,False,False,False,16,UW-284,0.99,term_life,1000000,semi_annual,4156.7,15.0,none,,,,True,none,independent_broker,False,False,False,0.006033,0.005546,SOA_2015_VBT,SOA_Scale_MP2023,0.969,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0556,False,normal_rate,1.97,2.59,False,False,False,False,False,0.776,55.6,48.6,super_preferred_longevity,100.0,baseline,0.949,0.727,False,,False,,1000000.0,30417.33,29837.68,33253.6,7897.73,False,0,6.56,20.43
LI-2024-INS004-003869,2024-05-10,3,48,51,1976,female,former_smoker,27.4,60,140,NE,USA,married,bachelors,white_collar,26516.04,0.2629,limited_exam,119,74,157,67,2.34,84,5.6,False,97.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-269,0.78,annuity_immediate,100000,monthly,334.99,,none,,,,True,coinsurance,worksite,False,False,False,0.006033,0.005974,SOA_2015_VBT,SOA_Scale_MP2023,0.76,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.005,0.0104,False,normal_rate,6.06,1.0,False,False,False,False,False,0.906,46.9,43.9,super_preferred_longevity,82.3,baseline,1.303,0.26,False,,False,,100000.0,2808.79,2346.75,2679.92,636.48,False,0,5.48,17.5
LI-2024-INS004-003870,2024-11-09,2,26,28,1998,male,never_smoker,28.0,74,218,FL,USA,married,some_college,professional,332095.7,0.6251,limited_exam,112,75,199,47,4.23,104,,False,92.5,,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-033,2.0,term_life,1000000,semi_annual,4686.81,25.0,none,,,,True,none,worksite,False,False,False,0.001334,0.004181,SOA_2015_VBT,SOA_Scale_MP2023,2.07,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.022,False,,1.0,False,,,,0.07,0.084,False,normal_rate,2.62,1.56,False,False,False,True,False,0.781,70.0,55.0,super_preferred_longevity,100.0,baseline,1.031,0.575,False,,False,,1000000.0,38095.25,32756.18,37494.48,8904.94,False,0,1.02,-4.42
LI-2024-INS004-003871,2020-08-28,5,60,65,1960,female,never_smoker,33.7,61,178,UT,USA,married,some_college,white_collar,60470.22,0.5013,full_paramedical,153,102,216,66,3.27,115,5.5,False,51.6,,False,False,False,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-314,2.0,term_life,100000,annual,1136.04,10.0,none,,,,True,facultative,bank,False,False,False,0.013913,0.048274,SOA_2015_VBT,SOA_Scale_MP2023,2.051,cardiovascular,True,2023-11-01,False,False,1590811.99,0.0007,5e-05,1.095,0.013913,0.015,True,0.00229,1.0,False,,,,0.07,0.0909,False,normal_rate,3.2,0.64,False,False,False,False,False,0.997,33.2,30.2,preferred_longevity,65.3,baseline,1.124,0.682,True,55.8,False,,100000.0,9928.21,8727.98,9088.32,2158.48,False,0,0.72,-1.25
LI-2024-INS004-003872,2016-09-10,8,39,47,1977,female,never_smoker,39.1,69,264,OK,USA,divorced,some_college,white_collar,128124.25,0.7255,full_paramedical,139,83,257,42,6.12,114,5.6,False,96.4,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-431,1.5,term_life,500000,annual,3342.96,20.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.003401,0.007145,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0017,0.018,False,,1.0,False,,,,0.05,0.0784,False,normal_rate,1.56,2.76,False,False,False,False,False,0.862,57.9,49.9,super_preferred_longevity,98.2,baseline,0.956,0.735,False,,False,,500000.0,28135.77,23261.19,26743.68,6351.62,False,0,3.52,10.25
LI-2024-INS004-003873,2016-01-20,3,59,62,1957,female,current_smoker,27.9,63,157,VT,USA,married,some_college,professional,61384.1,0.5507,limited_exam,159,95,210,60,3.5,107,5.2,True,74.6,,False,True,False,True,False,none,,none,very_severe_gold_4,depression,2,True,False,False,False,True,declined,,,True,False,True,False,40,UW-360,7.0,indexed_ul,1000000,quarterly,37187.68,,10yr_declining,23564.3,,,True,facultative,captive_agent,False,False,False,0.021038,0.290333,SOA_2015_VBT,SOA_Scale_MP2023,7.176,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.12623,0.012,False,,1.0,False,,,,0.08,0.0453,False,normal_rate,3.13,1.48,False,False,False,False,False,0.771,33.7,31.3,preferred_longevity,67.7,baseline,1.087,0.751,True,39.3,False,,976435.7,315314.99,308185.94,297501.44,70656.59,False,0,-5.0,-20.0
LI-2024-INS004-003874,2006-05-06,20,24,44,1982,male,never_smoker,33.7,67,215,IA,USA,married,bachelors,professional,63666.72,0.9153,full_paramedical,142,73,203,40,5.08,108,5.9,False,86.3,3.21,False,False,False,False,False,none,,pre_diabetes,none,none,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,41,UW-368,1.25,whole_life,100000,annual,456.88,,none,626.47,,,False,none,employer_group,False,True,False,0.003406,0.004979,SOA_2015_VBT,SOA_Scale_MP2023,1.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000851,0.02,False,,1.0,False,,,,0.015,0.0174,False,normal_rate,3.0,1.21,False,False,False,False,False,0.909,70.0,50.0,super_preferred_longevity,100.0,baseline,0.814,0.853,False,,False,,99373.53,3293.11,3259.29,3655.04,868.07,False,0,1.09,14.91
LI-2024-INS004-003875,2003-03-18,17,29,46,1974,female,never_smoker,35.1,63,198,MA,USA,married,bachelors,light_blue_collar,36684.13,0.9263,full_paramedical,136,91,227,44,5.16,109,4.8,False,84.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,14,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-143,2.25,whole_life,1000000,annual,8102.59,,none,10086.56,,,True,facultative,captive_agent,False,False,False,0.003155,0.009829,SOA_2015_VBT,SOA_Scale_MP2023,2.317,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,False,,1.0,False,,,,0.015,0.0144,False,normal_rate,4.6,0.64,False,True,False,False,False,0.826,68.2,51.2,super_preferred_longevity,100.0,baseline,0.805,0.798,False,,False,,989913.44,64003.31,56099.3,64820.72,15394.92,False,0,-0.44,-8.06
LI-2024-INS004-003876,2022-01-15,4,35,39,1987,male,never_smoker,29.3,75,234,HI,USA,married,graduate,professional,41215.83,0.6554,full_paramedical,138,81,187,56,3.34,81,5.3,False,90.7,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-192,1.25,term_life,2000000,monthly,7299.41,15.0,none,,,,True,facultative,employer_group,False,False,False,0.002419,0.007386,SOA_2015_VBT,SOA_Scale_MP2023,1.45,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000605,0.02,True,0.00324,1.0,False,,,,0.07,0.0988,False,normal_rate,3.78,2.78,False,False,False,False,False,0.992,59.3,55.0,super_preferred_longevity,100.0,baseline,1.008,0.733,False,,False,,2000000.0,57340.54,61268.55,58395.28,13868.88,False,0,5.52,11.43
LI-2024-INS004-003877,2021-04-21,3,52,55,1969,female,never_smoker,29.7,60,152,NH,USA,married,bachelors,light_blue_collar,84722.13,0.9304,full_paramedical,126,76,195,52,3.75,89,,False,93.2,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-132,2.0,term_life,5000000,monthly,42385.83,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.00642,0.020811,SOA_2015_VBT,SOA_Scale_MP2023,2.187,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00642,0.015,True,0.00313,1.0,False,,,,0.07,0.0669,False,normal_rate,3.92,2.38,False,False,False,False,False,0.783,44.3,41.3,super_preferred_longevity,88.4,baseline,0.802,0.795,False,,False,,5000000.0,365386.18,309480.15,339086.64,80533.08,False,0,2.26,4.25
LI-2024-INS004-003878,2004-06-09,9,50,59,1954,female,former_smoker,25.7,72,189,KY,USA,married,bachelors,light_blue_collar,52995.09,0.6864,accelerated_UW,100,59,207,38,5.45,100,,False,82.7,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,28,UW-137,1.25,universal_life,1000000,semi_annual,6065.67,,10yr_declining,5013.47,,,True,none,worksite,False,False,False,0.010213,0.015181,SOA_2015_VBT,SOA_Scale_MP2023,1.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002553,0.012,False,,1.0,False,,,,0.06,0.0311,False,normal_rate,3.68,0.75,True,False,False,False,False,0.829,42.8,33.8,preferred_longevity,73.5,baseline,0.985,0.68,False,,False,,994986.53,49228.28,46847.35,48525.36,11524.77,False,0,5.08,15.89
LI-2024-INS004-003879,2023-11-14,2,34,36,1989,female,never_smoker,27.4,72,202,ND,USA,divorced,bachelors,professional,101226.98,0.3725,limited_exam,111,84,257,38,6.76,94,5.1,False,84.3,,False,False,False,False,False,none,,none,none,none,0,False,True,True,True,True,substandard_table_2,,2.0,False,False,False,False,61,UW-484,1.5,term_life,100000,semi_annual,468.91,15.0,none,,,,False,none,captive_agent,False,False,False,0.001608,0.004117,SOA_2015_VBT,SOA_Scale_MP2023,1.688,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000804,0.02,False,,1.0,False,,,,0.07,0.0981,False,normal_rate,3.44,1.32,False,False,False,False,False,0.808,63.4,55.0,super_preferred_longevity,100.0,baseline,1.221,0.3,False,,False,,100000.0,3991.07,3771.66,3751.28,890.93,False,0,0.95,2.17
LI-2024-INS004-003880,2000-03-13,23,29,52,1971,female,never_smoker,26.1,61,137,VA,USA,divorced,less_than_hs,white_collar,54724.61,0.8112,full_paramedical,156,97,219,49,4.47,117,5.5,False,71.5,,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-229,1.5,universal_life,500000,monthly,3313.41,,10yr_declining,5072.49,2597.11,0.512,False,none,bank,False,False,False,0.005027,0.009744,SOA_2015_VBT,SOA_Scale_MP2023,1.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002514,0.018,False,,1.0,False,,,,0.04,0.0252,False,normal_rate,3.69,1.07,False,False,False,False,False,0.998,67.3,44.3,super_preferred_longevity,91.1,baseline,0.892,0.753,False,,False,,494927.51,25687.53,23528.63,26507.28,6295.48,False,0,1.19,4.47
LI-2024-INS004-003881,2016-09-10,5,78,83,1938,female,never_smoker,29.5,67,188,NV,USA,married,high_school,hazardous,150873.72,0.9063,full_paramedical,125,77,236,56,4.21,91,,False,65.1,,False,False,False,False,False,none,,none,none,depression,3,False,True,False,False,False,substandard_table_1,4.12,1.0,True,False,False,False,7,UW-305,1.25,group_life,500000,annual,4056.01,,none,,,,False,none,employer_group,False,False,False,0.062752,0.089347,SOA_2015_VBT,SOA_Scale_MP2023,1.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015688,0.005,False,,1.0,False,,,,0.15,0.1755,False,normal_rate,0.37,2.99,False,False,False,False,False,0.968,12.7,7.7,standard_longevity,37.6,baseline,0.82,0.917,False,,False,,500000.0,11949.84,11730.82,12492.51,11697.53,False,0,2.45,10.07
LI-2024-INS004-003882,2010-06-21,4,69,73,1941,female,never_smoker,27.7,71,198,IA,USA,single,some_college,heavy_blue_collar,20000.0,0.6919,accelerated_UW,131,74,337,33,10.21,101,,False,69.6,,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,1.06,5.0,False,False,False,True,24,UW-416,2.25,term_life,500000,monthly,6242.81,20.0,none,,,,False,none,captive_agent,False,False,False,0.024846,0.088852,SOA_2015_VBT,SOA_Scale_MP2023,2.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031057,0.008,False,,1.0,True,2025-07-12,non_payment,4.0,0.07,0.0803,False,normal_rate,3.78,0.64,False,False,False,False,False,0.764,21.6,17.6,standard_longevity,49.3,baseline,0.981,0.561,False,,False,,500000.0,46617.68,43450.71,43949.38,13059.96,False,0,1.21,-11.07
LI-2024-INS004-003883,2023-03-04,2,43,45,1980,male,never_smoker,30.5,70,212,NJ,USA,married,bachelors,professional,52412.59,0.3613,full_paramedical,112,71,188,47,4.0,122,4.7,False,67.1,2.71,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,16,UW-135,1.0,term_life,250000,semi_annual,999.27,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.003662,0.004735,SOA_2015_VBT,SOA_Scale_MP2023,1.052,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.1383,False,normal_rate,2.89,1.69,False,False,False,False,False,0.983,49.0,46.7,super_preferred_longevity,88.0,baseline,1.229,0.448,False,,True,-0.204,250000.0,7421.48,7325.71,7994.16,1898.61,False,0,2.96,12.83
LI-2024-INS004-003884,2015-08-15,3,29,32,1986,female,never_smoker,26.7,61,141,WY,USA,single,less_than_hs,white_collar,41693.69,0.9419,full_paramedical,89,66,213,60,3.55,90,,False,94.2,,False,False,False,False,False,none,,none,none,none,14,False,False,False,False,False,preferred_plus,,,False,False,False,False,20,UW-336,0.59,term_life,500000,semi_annual,800.13,30.0,none,,,,False,none,captive_agent,False,False,False,0.001289,0.000576,SOA_2015_VBT,SOA_Scale_MP2023,0.563,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0663,False,normal_rate,3.8,1.43,False,False,False,False,False,0.764,70.0,55.0,super_preferred_longevity,100.0,baseline,0.794,0.984,False,,False,,500000.0,6538.11,6073.34,6401.04,1520.25,False,0,0.55,40.0
LI-2024-INS004-003885,2013-08-24,9,75,84,1938,female,former_smoker,27.3,62,149,WI,USA,single,bachelors,heavy_blue_collar,194787.01,0.7973,accelerated_UW,124,69,282,51,5.53,105,5.6,False,83.4,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_1,1.32,1.0,False,False,False,True,6,UW-100,1.25,term_life,250000,monthly,2341.45,25.0,none,,,,False,none,employer_group,False,False,False,0.088881,0.127166,SOA_2015_VBT,SOA_Scale_MP2023,1.309,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02222,0.005,False,,1.0,False,,,,0.05,0.0637,False,normal_rate,2.19,2.8,False,False,False,False,False,0.855,15.3,6.6,sub_standard_longevity,34.4,baseline,0.902,0.847,True,47.1,False,,250000.0,5582.36,6060.04,6181.43,6958.79,False,0,2.69,15.51
LI-2024-INS004-003886,2017-12-16,8,77,85,1940,female,never_smoker,25.7,71,184,SC,USA,married,bachelors,professional,96233.47,0.6121,accelerated_UW,160,99,233,39,5.97,90,,False,87.4,,False,False,False,False,False,none,,none,none,bipolar,9,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,20,UW-325,2.0,whole_life,500000,annual,7868.61,,none,6795.12,,,False,none,bank,False,False,False,0.069746,0.225764,SOA_2015_VBT,SOA_Scale_MP2023,2.149,cardiovascular,True,2025-09-03,False,False,153552.61,0.0007,5e-05,1.095,0.069746,0.008,False,,1.0,False,,,,0.02,0.0242,False,normal_rate,3.16,1.13,False,False,False,False,False,0.799,13.1,5.1,sub_standard_longevity,29.3,baseline,1.041,0.493,False,,True,0.0,493204.88,16278.82,15130.37,16051.96,24329.74,False,0,1.29,-7.42
LI-2024-INS004-003887,2011-01-07,14,30,44,1981,female,never_smoker,32.4,58,155,SC,USA,married,high_school,professional,20000.0,0.6556,full_paramedical,118,65,164,48,3.42,119,4.5,False,,,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-480,1.25,universal_life,100000,monthly,412.96,,10yr_declining,436.35,,,False,none,direct_to_consumer,False,False,False,0.002724,0.004796,SOA_2015_VBT,SOA_Scale_MP2023,1.498,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000681,0.02,False,,1.0,False,,,,0.04,0.0658,False,normal_rate,3.38,1.44,False,False,False,False,False,0.83,67.4,54.9,super_preferred_longevity,100.0,baseline,1.008,0.609,True,42.4,False,,99563.65,2988.99,2834.57,3303.68,784.62,False,0,1.74,14.65
LI-2024-INS004-003888,2003-02-02,5,25,30,1978,female,former_smoker,35.3,69,238,NH,USA,divorced,bachelors,heavy_blue_collar,39181.11,0.4222,full_paramedical,132,73,219,35,6.26,108,5.0,False,,,False,False,False,False,True,breast,0.0,none,none,substance_use_disorder,0,False,False,False,False,True,standard,1.37,,False,True,False,False,36,UW-299,1.0,term_life,1000000,monthly,2670.94,30.0,none,,,,True,quota_share,captive_agent,True,False,False,0.001518,0.001946,SOA_2015_VBT,SOA_Scale_MP2023,1.083,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0954,False,normal_rate,3.55,2.64,False,False,False,False,False,0.806,70.0,55.0,super_preferred_longevity,100.0,baseline,1.183,0.496,False,,False,,1000000.0,23188.37,18936.76,21367.52,5074.79,False,0,-2.08,15.17
LI-2024-INS004-003889,2000-07-14,17,46,63,1954,male,never_smoker,22.2,69,150,ME,USA,single,some_college,professional,66632.96,0.7099,non_med_guaranteed,130,79,238,71,3.35,73,,False,81.2,1.66,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,4,UW-070,0.65,indexed_ul,500000,semi_annual,1772.53,,15yr_declining,2132.85,,,False,none,employer_group,False,False,False,0.013819,0.008076,SOA_2015_VBT,SOA_Scale_MP2023,0.604,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0543,False,normal_rate,5.51,1.42,False,False,False,False,False,0.773,42.9,27.2,preferred_longevity,63.9,baseline,0.968,0.57,True,49.5,False,,497867.15,13293.24,14460.97,14180.24,3367.81,False,0,4.46,28.36
LI-2024-INS004-003890,2000-06-28,19,24,43,1976,female,never_smoker,23.1,60,118,NM,USA,married,some_college,white_collar,57157.32,0.3698,full_paramedical,128,84,251,58,4.33,92,5.6,False,69.5,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-204,0.79,term_life,250000,annual,751.73,25.0,none,,,,False,none,employer_group,False,False,False,0.002537,0.002578,SOA_2015_VBT,SOA_Scale_MP2023,0.831,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.0505,False,normal_rate,2.99,0.68,False,False,False,False,False,0.828,70.0,51.0,super_preferred_longevity,94.5,baseline,1.223,0.466,False,,False,,250000.0,5954.58,6263.19,6013.84,1428.29,False,0,1.24,17.23
LI-2024-INS004-003891,2003-01-21,16,28,44,1975,male,never_smoker,27.1,71,194,HI,USA,married,high_school,white_collar,32432.46,0.7205,limited_exam,115,69,160,56,2.86,80,,False,93.4,1.07,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-317,1.25,indexed_ul,2000000,semi_annual,8861.86,,10yr_declining,9945.25,,,True,quota_share,captive_agent,False,False,False,0.003406,0.005325,SOA_2015_VBT,SOA_Scale_MP2023,1.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000851,0.018,False,,1.0,False,,,,0.04,0.0449,False,normal_rate,3.93,0.9,False,False,False,False,False,0.868,64.6,48.6,super_preferred_longevity,96.2,baseline,0.96,0.862,False,,False,,1990054.75,72040.85,66343.36,70894.88,16837.53,False,0,2.8,8.86
LI-2024-INS004-003892,2017-04-21,9,21,30,1996,male,former_smoker,31.5,62,172,AZ,USA,divorced,some_college,hazardous,34839.65,0.8344,full_paramedical,113,62,197,52,3.79,77,5.4,False,87.7,,True,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,2.53,5.0,True,False,False,False,10,UW-018,2.25,term_life,500000,quarterly,3031.29,15.0,none,,,,False,none,captive_agent,False,False,False,0.001898,0.006346,SOA_2015_VBT,SOA_Scale_MP2023,2.395,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002372,0.022,False,,1.0,False,,,,0.05,0.0516,False,normal_rate,0.95,1.23,False,False,False,True,False,0.777,70.0,55.0,super_preferred_longevity,100.0,baseline,0.874,0.769,False,,False,,500000.0,25449.51,22020.32,24250.32,5759.45,False,0,1.01,-11.61
LI-2024-INS004-003893,2010-01-06,13,22,35,1988,female,never_smoker,26.0,70,180,LA,USA,single,high_school,professional,23088.24,0.7121,full_paramedical,125,74,181,67,2.7,102,4.7,False,87.1,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred_plus,,,False,False,False,False,8,UW-455,0.64,whole_life,1000000,semi_annual,1921.97,,none,2078.3,,,True,facultative,independent_broker,False,False,False,0.001517,0.001015,SOA_2015_VBT,SOA_Scale_MP2023,0.693,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.017,False,normal_rate,3.02,2.28,False,False,False,False,False,0.93,70.0,55.0,super_preferred_longevity,100.0,baseline,0.966,0.769,False,,False,,997921.7,14039.21,14331.38,15375.76,3651.74,False,0,4.81,33.23
LI-2024-INS004-003894,2009-07-23,16,54,70,1955,female,never_smoker,36.9,60,188,OH,USA,married,some_college,professional,210921.58,0.9093,simplified_issue,141,88,202,41,4.93,93,4.3,False,62.3,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-165,1.25,indexed_ul,500000,monthly,3265.39,,15yr_declining,3949.56,,,False,none,captive_agent,False,False,False,0.020545,0.029489,SOA_2015_VBT,SOA_Scale_MP2023,1.449,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005136,0.012,False,,1.0,False,,,,0.04,0.1167,True,normal_rate,3.53,2.1,False,False,False,False,False,0.786,39.8,23.8,preferred_longevity,61.8,baseline,0.818,0.91,False,,False,,496050.44,28335.6,23454.41,26123.12,6204.24,False,0,6.35,24.44
LI-2024-INS004-003895,2011-11-07,5,55,60,1956,male,never_smoker,24.8,73,187,MI,USA,single,high_school,professional,51618.43,0.2257,full_paramedical,115,76,235,56,4.2,82,,False,,2.48,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-446,2.25,term_life,100000,annual,1187.94,15.0,none,,,,False,none,captive_agent,False,False,False,0.010951,0.047745,SOA_2015_VBT,SOA_Scale_MP2023,2.337,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013689,0.012,False,,1.0,False,,,,0.07,0.1489,False,normal_rate,3.53,2.9,False,False,False,False,False,0.903,35.3,30.3,preferred_longevity,71.3,baseline,1.331,0.321,False,,False,,100000.0,8664.61,9865.42,9503.52,2257.09,False,0,-1.41,-18.7
LI-2024-INS004-003896,2014-12-25,4,77,81,1937,female,never_smoker,29.0,65,174,MN,USA,married,some_college,heavy_blue_collar,54059.64,0.3909,full_paramedical,176,104,244,48,5.08,61,,False,60.1,,False,False,True,False,False,none,,none,none,schizophrenia,8,False,False,False,True,True,substandard_table_5,1.29,5.0,False,False,False,False,34,UW-024,2.25,term_life,1000000,annual,13826.9,10.0,none,,,,True,facultative,captive_agent,False,False,False,0.052551,0.22056,SOA_2015_VBT,SOA_Scale_MP2023,2.442,neurological,True,2017-11-07,False,False,569511.15,0.0007,5e-05,1.095,0.065689,0.005,False,,1.0,False,,,,0.07,0.0971,False,normal_rate,3.34,2.55,False,False,False,False,False,0.957,14.5,11.7,standard_longevity,45.9,baseline,1.207,0.181,True,67.2,False,,1000000.0,69578.19,64023.36,64709.89,35452.17,False,0,2.0,-14.52
LI-2024-INS004-003897,2018-06-12,3,25,28,1993,female,current_smoker,25.3,68,166,NV,USA,divorced,some_college,professional,31606.3,0.4377,full_paramedical,106,58,218,46,4.74,99,,True,103.8,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-198,1.5,universal_life,2000000,quarterly,7043.53,,10yr_declining,4949.37,,,True,coinsurance,bank,False,False,False,0.002134,0.004935,SOA_2015_VBT,SOA_Scale_MP2023,1.547,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001067,0.022,False,,1.0,False,,,,0.08,0.0486,False,normal_rate,5.34,0.75,False,False,False,False,False,0.761,70.0,55.0,super_preferred_longevity,100.0,baseline,1.172,0.492,False,,False,,1995050.63,58587.14,57621.74,56348.24,13382.71,False,0,-0.16,8.55
LI-2024-INS004-003898,2006-10-06,17,36,53,1970,male,never_smoker,27.7,68,181,TX,USA,single,some_college,white_collar,22294.9,0.5102,non_med_guaranteed,113,71,192,57,3.37,110,,False,83.3,3.69,False,False,False,False,False,none,,none,none,bipolar,0,False,True,False,True,True,substandard_table_4,,4.0,False,False,False,False,48,UW-321,2.0,term_life,2000000,monthly,20259.36,30.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.006813,0.022084,SOA_2015_VBT,SOA_Scale_MP2023,2.006,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.018,False,,1.0,False,,,,0.03,0.0543,False,normal_rate,2.05,0.69,False,False,False,False,False,0.966,55.0,40.7,super_preferred_longevity,81.2,baseline,1.117,0.529,True,55.8,False,,2000000.0,176923.69,148174.47,162074.88,38492.78,False,0,-0.06,-6.77
LI-2024-INS004-003899,2003-11-23,10,20,30,1983,male,never_smoker,33.7,61,178,TN,USA,single,some_college,professional,95487.66,0.3511,full_paramedical,117,70,290,34,8.53,111,5.3,False,95.4,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-485,2.25,universal_life,500000,monthly,2915.28,,15yr_declining,2642.92,,,False,none,captive_agent,False,False,False,0.00146,0.00614,SOA_2015_VBT,SOA_Scale_MP2023,2.39,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.02,False,,1.0,False,,,,0.06,0.0383,False,normal_rate,3.3,1.82,False,False,False,False,False,0.76,70.0,55.0,super_preferred_longevity,100.0,baseline,1.237,0.286,False,,False,,497357.08,23766.18,20329.98,23322.24,5539.03,False,0,0.38,-18.13
LI-2024-INS004-003900,2016-12-26,11,73,84,1943,male,never_smoker,18.2,76,149,MD,USA,married,high_school,professional,283151.9,0.3772,full_paramedical,168,99,221,62,3.56,67,5.5,False,84.3,6.08,True,False,False,True,False,none,,none,none,bipolar,3,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-493,2.5,term_life,2000000,quarterly,36784.32,20.0,none,,,,True,none,employer_group,False,False,False,0.081999,0.395354,SOA_2015_VBT,SOA_Scale_MP2023,2.729,cancer,True,2017-05-17,True,False,321782.16,0.0007,5e-05,1.095,0.122998,0.008,False,,1.0,False,,,,0.03,0.0503,False,normal_rate,1.44,2.36,False,False,False,False,False,0.881,12.6,1.6,sub_standard_longevity,20.6,baseline,1.217,0.317,False,,False,,2000000.0,23253.65,20324.17,23541.96,124036.73,False,0,-1.46,-20.0
LI-2024-INS004-003901,2006-04-13,15,38,53,1968,male,never_smoker,26.7,60,136,AZ,USA,single,graduate,heavy_blue_collar,24568.26,0.4427,full_paramedical,144,84,130,52,2.5,95,,False,85.3,2.35,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_1,1.24,1.0,False,False,False,False,26,UW-190,1.25,whole_life,250000,annual,1254.71,,none,1429.82,,,False,none,bank,False,False,False,0.006813,0.012581,SOA_2015_VBT,SOA_Scale_MP2023,1.367,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001703,0.015,False,,1.0,False,,,,0.015,0.0202,False,normal_rate,5.03,0.96,False,False,False,False,False,0.844,52.2,42.2,super_preferred_longevity,82.4,baseline,1.168,0.327,True,73.1,False,,248570.18,9052.02,9352.77,10037.68,2383.95,False,0,5.12,11.7
LI-2024-INS004-003902,2003-08-27,12,27,39,1976,male,never_smoker,19.9,69,134,ND,USA,married,bachelors,hazardous,159017.52,0.5284,limited_exam,126,70,172,75,2.29,98,5.0,False,79.7,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred_plus,2.53,,True,False,False,False,43,UW-409,0.63,group_life,100000,monthly,232.33,,none,,,,False,none,bank,False,False,False,0.002419,0.001706,SOA_2015_VBT,SOA_Scale_MP2023,0.639,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.1,0.1277,False,normal_rate,3.48,2.36,False,False,False,False,False,0.892,65.0,51.1,super_preferred_longevity,97.1,baseline,1.104,0.498,False,,True,-1.243,100000.0,1959.37,1785.33,1858.64,441.43,False,0,3.68,34.87
LI-2024-INS004-003903,2022-10-25,1,66,67,1956,female,current_smoker,19.7,69,133,ID,USA,married,some_college,hazardous,44938.91,0.951,simplified_issue,114,71,177,44,4.02,92,,True,98.4,,False,False,False,False,False,none,,none,none,anxiety,8,True,False,False,False,False,substandard_table_2,5.42,2.0,True,False,False,False,21,UW-237,1.5,annuity_deferred,100000,quarterly,864.65,,none,550.47,,,False,none,independent_broker,False,False,False,0.032022,0.058054,SOA_2015_VBT,SOA_Scale_MP2023,1.547,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016011,0.012,True,0.00307,1.0,False,,,,0.06,0.0564,False,normal_rate,2.02,2.87,False,False,False,False,False,0.89,28.2,27.2,preferred_longevity,67.6,baseline,0.787,0.871,False,,False,,99449.53,6587.49,7090.58,6917.2,1642.84,False,0,1.14,2.47
LI-2024-INS004-003904,2000-06-04,1,62,63,1938,male,never_smoker,26.5,67,168,MI,USA,widowed,bachelors,hazardous,21181.05,0.3585,full_paramedical,134,81,193,48,4.02,92,5.5,False,,3.42,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,2.89,,True,False,False,False,13,UW-175,0.77,whole_life,1000000,monthly,3949.3,,none,2608.18,,,True,quota_share,employer_group,False,False,False,0.013784,0.013423,SOA_2015_VBT,SOA_Scale_MP2023,0.791,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.06,0.1018,False,normal_rate,2.67,0.78,False,False,False,False,False,0.956,22.5,21.5,standard_longevity,50.1,baseline,1.231,0.263,False,,False,,997391.82,30735.32,27840.14,31594.4,7503.67,False,0,2.61,21.46
LI-2024-INS004-003905,2010-02-10,12,76,88,1934,female,former_smoker,32.1,68,211,FL,USA,married,some_college,light_blue_collar,135914.52,0.9065,limited_exam,101,66,208,39,5.33,82,5.7,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,24,UW-260,2.25,indexed_ul,250000,monthly,3791.41,,15yr_declining,3777.41,,,False,none,independent_broker,False,False,False,0.122275,0.39753,SOA_2015_VBT,SOA_Scale_MP2023,2.44,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.152844,0.005,False,,1.0,False,,,,0.04,0.0175,False,normal_rate,3.69,2.93,False,False,False,False,False,0.897,14.1,2.1,sub_standard_longevity,29.2,baseline,0.82,0.88,False,,False,,246222.59,3051.22,2882.12,3184.78,12632.98,False,0,4.27,-5.77
LI-2024-INS004-003906,2017-05-18,2,25,27,1992,female,former_smoker,27.5,70,191,CT,USA,married,some_college,heavy_blue_collar,73183.45,0.4351,full_paramedical,133,69,212,79,2.68,78,5.1,False,90.6,,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred,1.05,,False,False,False,False,21,UW-317,0.82,indexed_ul,2000000,monthly,3459.94,,10yr_declining,2427.08,,,True,quota_share,employer_group,False,False,False,0.00133,0.001292,SOA_2015_VBT,SOA_Scale_MP2023,0.828,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0584,False,normal_rate,3.09,2.76,False,False,False,False,False,0.851,70.0,55.0,super_preferred_longevity,100.0,baseline,1.174,0.51,False,,False,,1997572.92,26434.5,24669.33,27679.52,6573.89,False,0,3.46,27.27
LI-2024-INS004-003907,2015-03-12,6,24,30,1991,male,former_smoker,29.5,76,242,WI,USA,married,graduate,hazardous,41506.1,0.5768,full_paramedical,127,76,189,42,4.5,74,4.9,False,,,False,False,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,2.83,1.0,True,False,False,False,50,UW-097,1.25,annuity_deferred,500000,semi_annual,1746.41,,none,1410.71,,,False,none,independent_broker,False,False,False,0.001898,0.003507,SOA_2015_VBT,SOA_Scale_MP2023,1.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.022,False,,1.0,False,,,,0.02,0.0248,False,normal_rate,1.47,1.82,False,False,False,False,False,0.924,70.0,55.0,super_preferred_longevity,100.0,baseline,1.067,0.659,False,,False,,498589.29,14250.98,13741.51,13971.28,3318.18,False,0,-0.99,20.25
LI-2024-INS004-003908,2021-03-22,1,59,60,1962,female,never_smoker,38.1,64,222,TN,USA,divorced,high_school,white_collar,220865.57,0.6707,full_paramedical,136,82,214,64,3.34,106,7.3,False,84.3,,False,True,True,False,False,none,,type_2,none,depression,6,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,17,UW-227,1.5,term_life,1000000,annual,8311.55,30.0,none,,,,True,none,bank,False,False,False,0.009333,0.026014,SOA_2015_VBT,SOA_Scale_MP2023,1.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004667,0.015,True,0.00563,1.0,False,,,,0.1,0.1163,False,normal_rate,2.5,1.0,False,False,False,False,False,0.758,38.2,37.2,super_preferred_longevity,88.4,baseline,0.997,0.629,False,,False,,1000000.0,62471.35,60057.94,66492.4,15791.94,False,0,4.18,9.4
LI-2024-INS004-003909,2001-08-13,5,77,82,1924,female,never_smoker,33.1,58,158,SC,USA,married,high_school,professional,71060.67,0.3439,full_paramedical,123,77,236,33,7.15,106,4.8,False,,,False,False,True,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-051,1.5,term_life,500000,monthly,4565.89,10.0,none,,,,False,none,captive_agent,False,False,False,0.040185,0.10689,SOA_2015_VBT,SOA_Scale_MP2023,1.739,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020092,0.012,False,,1.0,False,,,,0.07,0.3183,False,normal_rate,4.21,0.74,False,False,False,True,False,0.903,12.9,7.9,standard_longevity,39.5,baseline,1.242,0.257,False,,False,,500000.0,15305.37,13193.98,14428.21,13094.97,False,0,0.95,5.91
LI-2024-INS004-003910,2013-10-18,14,68,82,1945,female,current_smoker,36.7,66,227,NM,USA,single,some_college,hazardous,24308.74,0.2628,limited_exam,156,107,196,40,4.9,121,5.6,True,50.8,,False,False,False,True,False,none,,none,none,schizophrenia,4,False,False,False,False,True,substandard_table_8,2.7,8.0,True,False,False,False,35,UW-152,3.0,universal_life,2000000,monthly,46826.6,,10yr_declining,48330.87,,,True,quota_share,captive_agent,False,False,False,0.112277,0.669555,SOA_2015_VBT,SOA_Scale_MP2023,3.042,cardiovascular,True,2020-07-29,False,False,241067.13,0.0007,5e-05,1.095,0.224554,0.008,False,,1.0,False,,,,0.04,0.0596,False,normal_rate,4.85,1.42,True,False,False,False,False,0.97,21.4,7.4,sub_standard_longevity,27.5,baseline,1.303,0.25,False,,False,,1951669.13,151887.29,144747.56,138606.74,136171.75,False,0,-3.24,-20.0
LI-2024-INS004-003911,2020-09-23,5,42,47,1978,female,never_smoker,21.2,71,152,OR,USA,married,bachelors,white_collar,134179.49,0.4697,limited_exam,99,50,166,51,3.25,75,,False,93.9,,False,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,10,UW-188,1.0,whole_life,2000000,annual,6975.65,,none,4924.87,,,True,quota_share,independent_broker,False,False,False,0.003401,0.009687,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00578,1.0,False,,,,0.04,0.053,False,normal_rate,5.12,0.68,False,False,False,False,False,0.81,57.0,52.0,super_preferred_longevity,100.0,baseline,1.148,0.518,False,,False,,1995075.13,54922.81,58381.92,55805.2,13253.73,False,0,1.89,12.91
LI-2024-INS004-003912,2013-02-10,8,40,48,1973,male,never_smoker,26.7,67,170,MN,USA,single,high_school,heavy_blue_collar,86696.2,0.4952,simplified_issue,103,64,169,27,6.26,97,5.4,False,105.0,2.98,False,False,True,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,0.65,5.0,False,False,False,False,25,UW-025,2.25,term_life,5000000,annual,50983.81,30.0,none,,,,True,none,direct_to_consumer,False,False,False,0.004587,0.01787,SOA_2015_VBT,SOA_Scale_MP2023,2.344,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005734,0.018,False,,1.0,False,,,,0.05,0.0913,False,normal_rate,5.45,1.26,False,False,False,False,False,0.932,54.4,46.4,super_preferred_longevity,99.5,baseline,1.129,0.639,False,,False,,5000000.0,442063.46,413225.71,407870.48,96869.24,False,0,2.1,-8.96
LI-2024-INS004-003913,2013-07-05,5,25,30,1988,female,former_smoker,25.6,61,135,TX,USA,married,bachelors,heavy_blue_collar,42056.29,0.7507,full_paramedical,116,77,160,55,2.91,112,4.7,False,,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,1.01,1.0,False,False,False,False,18,UW-476,1.25,term_life,500000,monthly,1668.88,15.0,none,,,,False,none,bank,False,False,False,0.001518,0.002334,SOA_2015_VBT,SOA_Scale_MP2023,1.374,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00038,0.02,False,,1.0,False,,,,0.07,0.077,False,normal_rate,4.52,1.34,False,False,False,False,False,0.784,70.0,55.0,super_preferred_longevity,100.0,baseline,0.937,0.507,False,,False,,500000.0,12233.88,12306.41,13351.04,3170.87,False,0,4.67,19.48
LI-2024-INS004-003914,2022-02-08,1,61,62,1961,male,current_smoker,20.6,60,105,IN,USA,single,bachelors,white_collar,101481.64,0.6134,accelerated_UW,130,73,241,43,5.6,79,,True,59.8,3.68,False,True,False,False,True,prostate,4.4,none,mild_gold_1,none,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,59,UW-090,2.5,annuity_deferred,1000000,annual,13431.44,,none,8468.72,,,True,excess_of_loss,captive_agent,False,False,False,0.027265,0.116894,SOA_2015_VBT,SOA_Scale_MP2023,2.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.040898,0.015,True,0.00293,1.0,False,,,,0.06,0.0726,False,normal_rate,1.83,2.89,False,False,False,False,False,0.817,28.8,27.8,preferred_longevity,63.4,baseline,1.04,0.609,False,,False,,991531.28,105773.3,105255.89,107451.52,25519.74,False,0,-1.15,-19.05
LI-2024-INS004-003915,2021-02-10,3,73,76,1948,male,never_smoker,27.7,71,198,VA,USA,married,graduate,professional,62836.12,0.868,full_paramedical,131,78,210,51,4.12,111,5.3,False,79.9,11.14,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,17,UW-051,0.82,annuity_immediate,500000,monthly,2585.47,,none,,,,False,none,captive_agent,False,False,False,0.042696,0.033849,SOA_2015_VBT,SOA_Scale_MP2023,0.848,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00311,1.0,False,,,,0.005,0.005,False,normal_rate,3.27,2.91,False,False,False,False,False,0.85,15.3,12.8,standard_longevity,44.7,baseline,0.849,0.826,True,46.4,False,,500000.0,14279.53,12660.63,13237.61,6401.62,False,0,2.0,24.76
LI-2024-INS004-003916,2009-04-09,8,59,67,1950,male,never_smoker,23.7,62,129,KS,USA,married,less_than_hs,professional,70507.23,0.374,full_paramedical,134,80,187,50,3.74,62,,False,52.9,2.29,False,False,False,True,True,prostate,7.3,none,none,schizophrenia,4,False,False,False,False,True,declined,,,False,False,True,False,46,UW-247,7.0,universal_life,500000,quarterly,17319.17,,10yr_declining,14724.81,,,False,none,independent_broker,False,False,False,0.018615,0.260497,SOA_2015_VBT,SOA_Scale_MP2023,6.555,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.111691,0.012,False,,1.0,False,,,,0.06,0.0378,False,normal_rate,2.07,1.03,False,False,False,False,False,0.752,28.0,20.0,standard_longevity,48.1,baseline,1.22,0.406,False,,False,,485275.19,136235.78,121906.01,138553.36,32906.42,False,0,-5.0,-20.0
LI-2024-INS004-003917,2016-03-17,8,79,87,1937,male,never_smoker,29.4,72,216,LA,USA,single,high_school,light_blue_collar,52190.26,0.17,full_paramedical,124,75,236,50,4.72,103,,False,88.4,20.0,False,False,False,False,False,none,,none,none,none,12,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,48,UW-216,1.25,universal_life,250000,monthly,2182.71,,15yr_declining,1900.06,,,False,none,independent_broker,False,False,False,0.109729,0.21644,SOA_2015_VBT,SOA_Scale_MP2023,1.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027432,0.005,False,,1.0,True,2026-05-13,replacement,8.0,0.06,0.0422,False,normal_rate,3.7,2.68,False,False,False,True,False,0.817,5.0,1.0,sub_standard_longevity,16.6,baseline,1.373,0.277,False,,False,,248099.94,915.79,797.05,873.08,7464.87,False,0,4.1,6.46
LI-2024-INS004-003918,2020-11-21,5,59,64,1961,male,never_smoker,36.4,61,192,NC,USA,divorced,bachelors,professional,35451.98,0.8889,full_paramedical,139,91,246,33,7.45,93,4.9,False,,1.0,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-463,2.0,whole_life,500000,annual,6023.9,,none,4356.73,,,True,quota_share,independent_broker,False,False,False,0.016193,0.048279,SOA_2015_VBT,SOA_Scale_MP2023,2.192,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016193,0.015,True,0.00251,1.0,False,,,,0.04,0.0396,False,normal_rate,2.84,0.99,False,False,False,False,False,0.821,31.9,26.9,preferred_longevity,66.2,baseline,0.833,0.857,False,,False,,495643.27,49035.54,41204.29,48191.2,11445.41,False,0,-2.86,-5.86
LI-2024-INS004-003919,2001-05-17,1,40,41,1961,male,never_smoker,27.3,66,169,IA,USA,married,high_school,light_blue_collar,20000.0,0.5196,accelerated_UW,134,80,208,50,4.16,111,,False,97.2,3.23,False,False,True,False,False,none,,none,none,none,17,False,False,False,False,False,preferred,,,False,False,False,True,7,UW-444,0.82,universal_life,250000,annual,792.31,,10yr_declining,535.35,,,False,none,independent_broker,False,False,False,0.002599,0.002254,SOA_2015_VBT,SOA_Scale_MP2023,0.781,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.12,0.0694,False,normal_rate,2.91,1.2,False,False,False,False,False,0.874,52.4,51.4,super_preferred_longevity,100.0,baseline,1.11,0.553,False,,False,,249464.65,6533.69,6034.9,6338.48,1505.39,False,0,2.72,26.28
LI-2024-INS004-003920,2019-03-22,5,58,63,1961,male,unknown,28.3,66,175,GA,USA,single,graduate,white_collar,43331.63,0.6913,full_paramedical,121,78,211,35,6.03,108,5.2,False,56.0,4.56,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-062,2.25,universal_life,250000,semi_annual,2955.48,,10yr_declining,2075.24,,,True,facultative,bank,False,False,False,0.017084,0.06108,SOA_2015_VBT,SOA_Scale_MP2023,2.369,cancer,True,2019-10-18,True,False,863656.55,0.0007,5e-05,1.095,0.021355,0.015,False,,1.0,False,,,,0.08,0.0413,False,normal_rate,4.95,2.56,False,False,False,False,False,0.837,32.1,27.1,preferred_longevity,63.5,baseline,0.982,0.873,False,,False,,247924.76,22817.34,21848.9,23643.84,5615.41,False,0,0.69,-11.93
LI-2024-INS004-003921,2011-11-14,3,28,31,1983,male,never_smoker,29.8,70,207,ND,USA,married,some_college,light_blue_collar,80074.45,0.3353,limited_exam,142,92,182,49,3.71,115,,False,81.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-290,1.25,whole_life,100000,quarterly,348.6,,none,220.31,,,False,none,employer_group,False,False,False,0.001532,0.003107,SOA_2015_VBT,SOA_Scale_MP2023,1.424,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000383,0.02,False,,1.0,False,,,,0.04,0.0687,False,normal_rate,5.68,1.98,False,False,False,False,False,0.81,64.4,55.0,super_preferred_longevity,100.0,baseline,1.249,0.102,False,,False,,99779.69,3045.76,2833.86,2788.8,662.34,False,0,4.68,5.7
LI-2024-INS004-003922,2014-03-12,11,44,55,1970,male,never_smoker,36.4,67,232,KS,USA,single,some_college,white_collar,216151.26,0.4443,accelerated_UW,139,80,225,51,4.41,96,4.6,False,,5.54,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,True,False,True,True,standard,,,False,True,False,True,45,UW-155,1.0,whole_life,500000,monthly,2206.93,,none,2006.52,,,False,none,captive_agent,False,False,False,0.008025,0.010122,SOA_2015_VBT,SOA_Scale_MP2023,1.081,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0202,False,normal_rate,2.83,0.94,False,False,False,False,False,0.91,46.7,35.7,preferred_longevity,72.7,baseline,1.167,0.372,False,,False,,497993.48,16315.44,17099.98,17655.44,4193.17,False,0,5.96,14.77
LI-2024-INS004-003923,2002-11-18,6,49,55,1953,male,never_smoker,35.6,74,277,AZ,USA,married,bachelors,white_collar,87370.29,0.1793,limited_exam,147,90,285,35,8.14,106,5.8,False,88.4,2.06,False,False,False,False,False,none,,none,none,anxiety,9,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,18,UW-331,1.75,term_life,250000,monthly,2217.69,25.0,none,,,,False,none,captive_agent,False,False,False,0.006943,0.023629,SOA_2015_VBT,SOA_Scale_MP2023,1.943,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005207,0.012,False,,1.0,False,,,,0.05,0.0778,False,normal_rate,3.16,2.89,False,False,False,False,False,0.885,37.6,31.6,preferred_longevity,62.6,baseline,1.366,0.23,False,,False,,250000.0,17578.64,15099.64,17741.52,4213.61,False,0,1.52,-1.14
LI-2024-INS004-003924,2005-05-17,12,26,38,1979,male,never_smoker,29.4,69,199,LA,USA,married,bachelors,hazardous,30440.56,0.8704,full_paramedical,129,75,209,50,4.18,122,5.6,False,,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,3.44,4.0,True,False,False,False,3,UW-091,2.0,term_life,1000000,monthly,6225.88,10.0,none,,,,True,quota_share,independent_broker,False,False,False,0.00227,0.006302,SOA_2015_VBT,SOA_Scale_MP2023,2.096,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.018,False,,1.0,False,,,,0.03,0.0301,False,normal_rate,2.45,2.78,False,False,False,False,False,0.794,67.8,55.0,super_preferred_longevity,100.0,baseline,0.847,0.843,False,,False,,1000000.0,50670.02,47454.38,49807.04,11829.17,False,0,-0.27,-9.68
LI-2024-INS004-003925,2007-03-12,12,21,33,1986,male,never_smoker,31.3,71,224,NH,USA,single,graduate,light_blue_collar,106174.74,0.0651,limited_exam,122,69,205,55,3.73,120,4.9,False,106.4,,False,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-256,1.25,universal_life,250000,quarterly,939.46,,10yr_declining,929.63,,,False,none,employer_group,False,False,False,0.001698,0.003664,SOA_2015_VBT,SOA_Scale_MP2023,1.315,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000424,0.02,False,,1.0,False,,,,0.04,0.0791,False,normal_rate,4.0,2.82,False,False,False,False,False,0.959,70.0,55.0,super_preferred_longevity,100.0,baseline,1.451,0.086,False,,False,,249070.37,8068.72,6679.35,7515.68,1784.97,False,0,2.44,14.48
LI-2024-INS004-003926,2002-11-25,8,61,69,1941,female,former_smoker,31.8,59,157,LA,USA,married,graduate,heavy_blue_collar,85815.46,0.7743,non_med_guaranteed,154,93,223,47,4.74,126,5.5,False,82.7,,True,False,False,False,False,none,,none,none,none,7,False,False,False,True,True,substandard_table_2,1.38,2.0,False,False,False,False,46,UW-128,1.5,term_life,2000000,annual,15138.87,20.0,none,,,,True,quota_share,bank,False,False,False,0.022776,0.047065,SOA_2015_VBT,SOA_Scale_MP2023,1.704,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011388,0.008,False,,1.0,False,,,,0.05,0.054,False,normal_rate,3.64,2.01,False,False,False,False,False,0.752,29.9,25.8,preferred_longevity,62.8,baseline,0.919,0.676,True,83.4,False,,2000000.0,111613.67,106215.35,121110.96,28763.85,False,0,2.36,10.79
LI-2024-INS004-003927,2023-08-02,4,53,57,1970,male,current_smoker,34.5,65,207,MI,USA,married,bachelors,hazardous,259547.02,0.1782,full_paramedical,124,74,213,41,5.2,77,5.3,True,94.2,1.91,False,False,False,False,False,none,,none,moderate_gold_2,depression,8,False,False,False,True,True,substandard_table_6,2.58,6.0,True,False,False,False,58,UW-347,2.5,term_life,2000000,semi_annual,22652.46,20.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.018954,0.093641,SOA_2015_VBT,SOA_Scale_MP2023,2.518,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028431,0.018,False,,1.0,False,,,,0.07,0.2137,False,normal_rate,3.52,1.4,False,False,False,False,False,0.879,36.7,32.7,preferred_longevity,64.2,baseline,1.366,0.228,False,,False,,2000000.0,182339.02,186811.3,181219.68,43039.67,False,0,-2.66,-20.0
LI-2024-INS004-003928,2019-10-26,2,53,55,1966,male,never_smoker,26.8,69,181,NJ,USA,married,high_school,heavy_blue_collar,69432.37,0.7577,non_med_guaranteed,137,79,235,51,4.61,88,5.5,False,84.1,2.32,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,0.87,5.0,False,False,False,False,17,UW-468,2.25,annuity_deferred,2000000,annual,20535.25,,none,13882.47,,,True,quota_share,direct_to_consumer,False,False,False,0.008025,0.028209,SOA_2015_VBT,SOA_Scale_MP2023,2.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010032,0.015,False,,1.0,False,,,,0.04,0.0613,False,normal_rate,5.26,1.7,False,False,False,False,False,0.778,38.1,36.1,preferred_longevity,78.0,baseline,0.932,0.674,False,,False,,1986117.53,148499.6,160894.6,164282.0,39016.97,False,0,-2.44,-8.29
LI-2024-INS004-003929,2008-05-07,1,42,43,1966,male,never_smoker,29.4,68,193,OR,USA,married,bachelors,heavy_blue_collar,20000.0,0.2836,accelerated_UW,109,69,210,56,3.75,74,5.4,False,82.0,1.81,True,False,False,False,False,none,,none,none,none,0,False,False,True,True,True,substandard_table_2,0.58,2.0,False,False,False,True,53,UW-456,1.5,universal_life,250000,monthly,1163.51,,10yr_declining,707.53,,,False,none,captive_agent,False,False,False,0.003171,0.008256,SOA_2015_VBT,SOA_Scale_MP2023,1.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001586,0.015,False,,1.0,False,,,,0.12,0.1114,False,normal_rate,2.12,1.94,False,False,False,False,False,0.995,47.2,46.2,super_preferred_longevity,86.1,baseline,1.287,0.274,False,,False,,249292.47,8385.64,9304.33,9308.08,2210.67,False,0,1.5,-0.15
LI-2024-INS004-003930,2005-04-21,2,61,63,1944,female,former_smoker,29.9,70,208,IA,USA,married,graduate,hazardous,53047.46,0.4492,full_paramedical,134,85,169,49,3.45,124,4.2,False,74.0,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,3.43,4.0,True,False,False,False,21,UW-075,2.0,universal_life,250000,annual,2886.04,,10yr_declining,1745.23,,,False,none,independent_broker,False,False,False,0.013865,0.047361,SOA_2015_VBT,SOA_Scale_MP2023,2.077,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013865,0.008,False,,1.0,False,,,,0.08,0.0483,False,normal_rate,3.66,1.49,False,False,False,False,False,0.886,29.0,27.0,standard_longevity,59.7,baseline,1.163,0.344,False,,False,,248254.77,24719.52,23039.3,23088.32,5483.48,False,0,-0.06,-8.76
LI-2024-INS004-003931,2010-05-24,9,59,68,1951,female,never_smoker,23.8,68,156,TN,USA,married,less_than_hs,hazardous,95674.89,0.6236,full_paramedical,127,91,186,37,5.03,103,,False,67.2,,True,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,4.78,4.0,True,False,False,False,11,UW-013,2.0,whole_life,500000,annual,5167.03,,none,4380.66,,,False,none,worksite,False,False,False,0.016443,0.051411,SOA_2015_VBT,SOA_Scale_MP2023,2.06,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016443,0.012,False,,1.0,False,,,,0.02,0.024,False,normal_rate,2.87,2.9,False,False,False,False,False,0.773,33.1,24.1,standard_longevity,58.0,baseline,1.032,0.417,False,,False,,495619.34,37848.34,38069.13,41336.24,9817.36,False,0,-0.18,-4.3
LI-2024-INS004-003932,2001-01-26,22,36,58,1965,male,never_smoker,27.6,70,192,ND,USA,single,some_college,professional,74034.98,0.7243,non_med_guaranteed,110,52,193,66,2.92,77,,False,82.4,2.68,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-069,2.0,universal_life,1000000,monthly,10798.55,,10yr_declining,15869.2,,,True,none,captive_agent,False,False,False,0.010307,0.030621,SOA_2015_VBT,SOA_Scale_MP2023,2.06,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010307,0.015,False,,1.0,False,,,,0.04,0.0448,False,normal_rate,3.75,2.3,False,False,False,False,False,0.797,54.8,32.8,preferred_longevity,72.6,baseline,0.957,0.57,False,,False,,984130.8,83277.64,87791.64,86388.4,20517.24,False,0,1.04,-7.46
LI-2024-INS004-003933,2020-08-17,7,60,67,1960,female,never_smoker,27.3,58,130,VA,USA,single,graduate,white_collar,87834.91,0.6716,full_paramedical,127,86,179,56,3.2,92,,False,66.2,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,10,UW-092,0.85,whole_life,250000,semi_annual,1259.63,,none,1077.06,,,False,none,direct_to_consumer,False,False,False,0.016549,0.018249,SOA_2015_VBT,SOA_Scale_MP2023,0.836,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00447,1.0,False,,,,0.02,0.0326,False,normal_rate,4.61,2.72,False,False,False,False,False,0.933,33.9,26.9,preferred_longevity,62.9,baseline,0.996,0.674,False,,False,,248922.94,10774.82,9902.32,10077.04,2393.3,False,0,4.57,25.12
LI-2024-INS004-003934,2011-01-18,6,40,46,1971,female,never_smoker,18.1,70,126,FL,USA,single,bachelors,white_collar,34649.33,0.2082,accelerated_UW,152,89,151,50,3.02,92,5.2,False,,,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,24,UW-489,1.5,whole_life,1000000,quarterly,6508.92,,none,4952.82,,,True,none,bank,False,False,False,0.003155,0.008314,SOA_2015_VBT,SOA_Scale_MP2023,1.589,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001577,0.018,False,,1.0,False,,,,0.02,0.0307,False,normal_rate,4.02,0.54,False,False,False,False,False,0.835,53.9,51.4,super_preferred_longevity,92.7,baseline,1.344,0.315,True,56.0,False,,995047.18,50212.89,49485.09,52071.36,12366.95,False,0,1.54,5.81
LI-2024-INS004-003935,2011-09-15,6,41,47,1970,male,current_smoker,19.2,62,105,FL,USA,single,bachelors,heavy_blue_collar,25454.29,0.6012,non_med_guaranteed,112,70,169,56,3.02,85,,True,69.2,1.24,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_7,1.36,7.0,False,False,False,False,3,UW-225,2.75,universal_life,1000000,annual,10236.53,,15yr_declining,7637.33,,,True,facultative,employer_group,False,False,False,0.008502,0.040716,SOA_2015_VBT,SOA_Scale_MP2023,2.897,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014878,0.018,False,,1.0,False,,,,0.06,0.0395,False,normal_rate,4.72,1.81,False,False,False,False,False,0.931,50.3,45.6,super_preferred_longevity,89.9,baseline,1.049,0.607,False,,True,0.894,992362.67,88923.12,79986.06,81892.24,19449.41,False,0,-0.27,-20.0
LI-2024-INS004-003936,2019-08-26,6,34,40,1985,male,former_smoker,26.6,76,218,IA,USA,single,bachelors,white_collar,30733.41,0.2514,full_paramedical,117,75,192,62,3.1,92,5.0,False,,1.21,False,True,False,False,False,none,,none,none,schizophrenia,15,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-214,2.25,term_life,100000,monthly,692.2,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.003357,0.014993,SOA_2015_VBT,SOA_Scale_MP2023,2.452,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004197,0.02,False,,1.0,False,,,,0.05,0.0899,False,normal_rate,4.38,1.04,False,False,False,False,False,0.901,58.4,52.4,super_preferred_longevity,94.9,baseline,1.311,0.274,False,,False,,100000.0,5645.99,5791.03,5537.6,1315.18,False,0,1.29,-14.84
LI-2024-INS004-003937,2021-02-24,5,39,44,1982,male,never_smoker,25.9,70,180,MD,USA,married,some_college,light_blue_collar,61091.68,0.5906,full_paramedical,123,82,178,39,4.56,73,,False,103.6,3.34,False,True,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,50,UW-352,2.5,universal_life,500000,monthly,4042.46,,15yr_declining,2918.04,,,False,none,worksite,False,False,False,0.003406,0.020852,SOA_2015_VBT,SOA_Scale_MP2023,2.61,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005108,0.02,True,0.00635,1.0,False,,,,0.08,0.0442,False,normal_rate,4.93,0.74,False,False,False,False,False,0.852,54.3,49.3,super_preferred_longevity,95.3,baseline,1.057,0.718,False,,False,,497081.96,32095.12,27948.88,32339.68,7680.67,False,0,3.13,-19.44
LI-2024-INS004-003938,2017-07-28,9,72,81,1945,female,former_smoker,18.6,58,90,TX,USA,married,bachelors,heavy_blue_collar,93446.94,0.6884,full_paramedical,134,87,272,56,4.86,90,5.2,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,1.07,1.0,False,False,False,False,20,UW-412,1.25,whole_life,500000,annual,4459.39,,none,4035.56,,,True,quota_share,bank,False,False,False,0.066944,0.113671,SOA_2015_VBT,SOA_Scale_MP2023,1.472,cardiovascular,True,2020-11-21,False,False,513738.39,0.0007,5e-05,1.095,0.016736,0.008,False,,1.0,False,,,,0.02,0.023,False,normal_rate,4.01,1.81,False,False,False,False,False,0.914,19.1,10.1,standard_longevity,38.0,baseline,0.984,0.731,False,,False,,495964.44,19815.93,15326.69,18015.94,12004.68,False,0,0.79,15.58
LI-2024-INS004-003939,2010-10-25,10,28,38,1982,male,current_smoker,21.8,62,119,UT,USA,divorced,graduate,white_collar,32904.22,0.6511,full_paramedical,120,73,153,49,3.12,91,,True,,,False,True,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,21,UW-002,2.5,indexed_ul,1000000,annual,8746.25,,15yr_declining,8040.99,,,True,quota_share,employer_group,False,False,False,0.004541,0.018474,SOA_2015_VBT,SOA_Scale_MP2023,2.539,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006811,0.02,False,,1.0,False,,,,0.06,0.0382,False,normal_rate,1.06,1.95,False,False,False,False,False,0.812,65.5,60.3,super_preferred_longevity,100.0,baseline,1.012,0.434,True,62.5,False,,991959.01,71890.73,67598.23,69970.0,16617.88,False,0,-0.7,-18.35
LI-2024-INS004-003940,2016-03-21,1,22,23,1994,male,former_smoker,18.1,63,102,MD,USA,married,graduate,light_blue_collar,127687.09,0.6495,limited_exam,100,68,143,67,2.13,60,,False,73.9,,False,False,False,False,False,none,,none,none,anxiety,8,False,False,False,False,False,preferred,,,False,False,False,False,19,UW-091,0.83,group_life,1000000,annual,1554.37,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001433,0.001122,SOA_2015_VBT,SOA_Scale_MP2023,0.773,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.18,0.2125,False,normal_rate,3.1,2.74,True,False,False,False,False,0.809,70.0,55.0,super_preferred_longevity,100.0,baseline,1.013,0.406,False,,False,,1000000.0,11450.86,11565.86,12434.96,2953.3,False,0,4.01,16.63
LI-2024-INS004-003941,2012-09-12,7,58,65,1954,male,never_smoker,25.9,72,190,NH,USA,married,high_school,white_collar,23820.86,0.6542,full_paramedical,129,71,172,47,3.66,69,6.1,False,88.7,5.65,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,preferred,,,False,False,False,False,52,UW-114,0.79,term_life,100000,quarterly,419.18,20.0,none,,,,True,none,worksite,True,False,False,0.016424,0.012997,SOA_2015_VBT,SOA_Scale_MP2023,0.784,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0588,False,normal_rate,2.44,2.24,False,False,False,False,False,0.965,30.7,24.1,standard_longevity,58.5,baseline,1.009,0.751,True,38.2,False,,100000.0,3688.6,2880.18,3353.44,796.44,False,0,0.22,29.08
LI-2024-INS004-003942,2016-06-11,3,80,83,1936,female,never_smoker,20.7,58,99,VA,USA,married,some_college,white_collar,264907.6,0.8903,limited_exam,133,83,196,51,3.84,100,,False,78.1,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-389,2.25,annuity_deferred,1000000,quarterly,16767.24,,none,10634.73,,,True,quota_share,employer_group,False,False,False,0.062126,0.200251,SOA_2015_VBT,SOA_Scale_MP2023,2.371,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.077657,0.005,False,,1.0,False,,,,0.04,0.0474,False,normal_rate,3.12,0.94,False,False,False,False,False,0.869,10.4,7.4,standard_longevity,37.0,baseline,0.832,0.733,False,,False,,989365.27,53873.26,48389.25,49631.03,48759.13,False,0,3.18,1.42
LI-2024-INS004-003943,2012-05-21,2,74,76,1938,female,current_smoker,27.6,64,161,WV,USA,married,bachelors,heavy_blue_collar,59527.2,0.2856,accelerated_UW,157,99,282,36,7.83,75,,True,,,True,False,True,False,False,none,,none,none,bipolar,12,False,True,False,False,False,substandard_table_6,1.29,6.0,False,False,False,True,28,UW-452,2.5,universal_life,500000,annual,7394.95,,10yr_declining,4819.42,,,False,none,worksite,False,False,False,0.068397,0.32404,SOA_2015_VBT,SOA_Scale_MP2023,2.518,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.102595,0.005,False,,1.0,False,,,,0.08,0.0742,False,normal_rate,2.94,1.69,False,False,False,False,False,0.844,17.2,15.2,standard_longevity,49.6,baseline,1.286,0.279,False,,False,,495180.58,44159.46,40632.94,44961.3,16890.07,False,0,-2.16,-17.16
LI-2024-INS004-003944,2007-09-19,9,72,81,1935,female,unknown,29.2,68,191,CA,USA,married,less_than_hs,professional,110815.62,0.4888,simplified_issue,150,96,211,39,5.41,81,,False,68.7,,False,True,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-114,2.0,universal_life,2000000,monthly,23384.36,,10yr_declining,20888.45,,,True,excess_of_loss,worksite,True,False,False,0.059831,0.207119,SOA_2015_VBT,SOA_Scale_MP2023,2.172,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.059831,0.005,False,,1.0,False,,,,0.06,0.0353,False,normal_rate,3.82,1.64,False,False,False,False,True,0.753,16.6,7.6,sub_standard_longevity,31.2,baseline,1.133,0.486,False,,False,,1979111.55,68249.58,68564.07,71088.45,67627.57,False,0,3.38,-9.74
LI-2024-INS004-003945,2000-01-21,11,69,80,1931,female,never_smoker,27.6,61,146,CA,USA,married,some_college,professional,44288.36,0.6349,limited_exam,140,83,204,55,3.71,81,,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,26,UW-095,1.25,universal_life,500000,semi_annual,4213.26,,10yr_declining,4089.21,,,True,facultative,captive_agent,False,False,False,0.046765,0.078961,SOA_2015_VBT,SOA_Scale_MP2023,1.405,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011691,0.005,False,,1.0,False,,,,0.04,0.1495,True,normal_rate,5.78,1.08,False,False,False,False,False,0.755,19.6,8.6,sub_standard_longevity,34.9,baseline,1.024,0.787,False,,False,,495910.79,13587.38,12857.5,14493.61,11847.69,False,0,1.16,7.65
LI-2024-INS004-003946,2023-06-12,2,19,21,2004,female,unknown,36.8,71,263,PA,USA,married,some_college,professional,49904.04,0.7426,non_med_guaranteed,127,78,198,42,4.71,87,4.7,False,76.1,,False,False,True,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-331,2.0,indexed_ul,1000000,monthly,3183.7,,10yr_declining,2095.36,,,True,coinsurance,independent_broker,False,False,False,0.000953,0.002826,SOA_2015_VBT,SOA_Scale_MP2023,2.085,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000953,0.012,False,,1.0,False,,,,0.08,0.0398,False,normal_rate,3.61,1.02,False,False,False,False,False,0.813,70.0,55.0,super_preferred_longevity,100.0,baseline,0.943,0.67,False,,False,,997904.64,25581.71,22808.27,25469.6,6049.03,False,0,4.04,0.61
LI-2024-INS004-003947,2002-12-26,23,57,80,1945,male,never_smoker,28.9,60,148,NE,USA,divorced,high_school,light_blue_collar,302342.41,0.9193,non_med_guaranteed,158,101,222,36,6.17,114,5.7,False,68.3,4.62,True,False,True,False,False,none,,none,none,schizophrenia,2,False,True,True,False,True,substandard_table_5,,5.0,False,False,False,False,28,UW-470,2.25,term_life,250000,monthly,4103.5,20.0,none,,,,True,none,captive_agent,False,False,False,0.059031,0.189528,SOA_2015_VBT,SOA_Scale_MP2023,2.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.073789,0.008,False,,1.0,False,,,,0.03,0.0289,False,normal_rate,3.57,2.93,False,False,False,False,False,0.979,34.1,12.5,standard_longevity,55.0,baseline,0.811,0.896,True,71.6,False,,250000.0,18567.95,21031.08,20517.5,10258.75,False,0,0.64,-11.49
LI-2024-INS004-003948,2001-09-13,3,39,42,1962,female,never_smoker,25.8,65,155,WY,USA,married,bachelors,professional,54101.88,0.4657,simplified_issue,139,83,234,53,4.42,115,5.3,False,,,True,False,False,True,False,none,,none,none,anxiety,4,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,51,UW-249,2.5,universal_life,500000,quarterly,4583.5,,10yr_declining,3307.7,,,False,none,bank,False,False,False,0.002261,0.010514,SOA_2015_VBT,SOA_Scale_MP2023,2.738,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003391,0.015,False,,1.0,False,,,,0.08,0.0478,False,normal_rate,3.88,1.1,False,False,False,False,False,0.835,54.4,51.4,super_preferred_longevity,96.6,baseline,1.151,0.601,False,,False,,496692.3,33641.14,31889.37,36668.0,8708.65,False,0,0.53,-18.06
LI-2024-INS004-003949,2007-11-21,4,75,79,1932,female,never_smoker,38.3,68,252,MI,USA,single,high_school,heavy_blue_collar,65924.67,0.3953,simplified_issue,133,77,284,39,7.28,126,4.8,False,70.3,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,0.52,2.0,False,False,False,False,11,UW-474,1.5,universal_life,500000,quarterly,4868.2,,10yr_declining,3490.56,,,False,none,direct_to_consumer,False,False,False,0.043093,0.104322,SOA_2015_VBT,SOA_Scale_MP2023,1.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021547,0.005,False,,1.0,False,,,,0.08,0.0697,False,normal_rate,4.44,1.2,False,False,False,False,False,0.841,15.8,11.8,standard_longevity,46.1,baseline,1.204,0.318,False,,False,,496509.44,20962.34,23259.24,22977.9,12443.12,False,0,2.48,2.2
LI-2024-INS004-003950,2010-02-06,5,33,38,1977,male,never_smoker,32.4,66,200,AL,USA,married,bachelors,light_blue_collar,67708.08,0.4582,full_paramedical,99,69,191,54,3.54,111,4.7,False,84.7,,False,False,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-265,1.25,annuity_deferred,1000000,monthly,4094.14,,none,2840.4,,,True,facultative,captive_agent,False,False,False,0.00227,0.00417,SOA_2015_VBT,SOA_Scale_MP2023,1.372,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.018,False,,1.0,False,,,,0.04,0.0533,False,normal_rate,1.54,2.57,False,False,False,False,False,0.875,61.8,61.7,super_preferred_longevity,100.0,baseline,1.156,0.527,True,69.6,False,,997159.6,32781.58,30457.3,32753.12,7778.87,False,0,3.61,7.09
LI-2024-INS004-003951,2009-03-04,10,52,62,1957,female,never_smoker,20.7,69,140,KS,USA,married,some_college,white_collar,55387.01,0.5468,simplified_issue,131,69,213,77,2.77,93,4.6,False,70.5,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,4,UW-255,0.57,whole_life,100000,semi_annual,264.76,,none,241.25,,,False,none,employer_group,False,False,False,0.010519,0.00634,SOA_2015_VBT,SOA_Scale_MP2023,0.553,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0303,False,normal_rate,2.89,1.35,False,False,False,False,False,0.957,40.7,32.3,preferred_longevity,69.2,baseline,1.09,0.539,True,49.4,False,,99758.75,2061.5,2208.6,2118.08,503.04,False,0,1.2,36.51
LI-2024-INS004-003952,2017-12-10,10,24,34,1993,female,never_smoker,28.7,66,177,OK,USA,married,bachelors,hazardous,69568.26,0.6297,simplified_issue,109,69,188,43,4.37,109,,False,101.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,4.26,,True,False,False,False,9,UW-038,0.8,universal_life,500000,annual,1035.05,,10yr_declining,904.65,,,True,quota_share,independent_broker,True,False,False,0.001434,0.001186,SOA_2015_VBT,SOA_Scale_MP2023,0.805,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0323,False,normal_rate,2.72,1.82,False,False,False,False,False,0.904,70.0,55.0,super_preferred_longevity,100.0,baseline,1.028,0.72,False,,False,,499095.35,8457.52,8333.66,8280.4,1966.59,False,0,4.24,23.9
LI-2024-INS004-003953,2015-04-02,9,29,38,1986,male,never_smoker,20.8,75,166,NJ,USA,married,less_than_hs,white_collar,151927.46,0.8928,simplified_issue,116,64,203,53,3.83,83,5.7,False,105.9,,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,preferred,,,False,False,False,False,15,UW-190,0.82,whole_life,500000,quarterly,1350.94,,none,1122.32,,,False,none,captive_agent,False,False,False,0.00227,0.001437,SOA_2015_VBT,SOA_Scale_MP2023,0.762,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0197,False,normal_rate,3.29,1.58,False,False,False,False,False,0.92,69.1,55.0,super_preferred_longevity,100.0,baseline,0.83,0.943,False,,False,,498877.68,10090.11,9700.41,10807.52,2566.79,False,0,3.3,33.26
LI-2024-INS004-003954,2018-01-16,3,60,63,1958,female,former_smoker,29.8,62,162,ID,USA,married,less_than_hs,light_blue_collar,63065.06,0.761,full_paramedical,140,91,219,31,7.06,95,5.5,False,78.1,,True,True,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-012,1.5,whole_life,500000,semi_annual,4392.75,,none,3204.98,,,False,none,direct_to_consumer,False,False,False,0.015083,0.03078,SOA_2015_VBT,SOA_Scale_MP2023,1.658,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007541,0.012,False,,1.0,False,,,,0.04,0.0611,False,normal_rate,3.66,1.23,False,False,False,False,False,0.935,33.7,30.7,preferred_longevity,70.0,baseline,0.929,0.645,False,,False,,496795.02,35897.83,31416.11,35142.0,8346.22,False,0,0.12,13.93
LI-2024-INS004-003955,2005-10-21,4,52,56,1953,male,never_smoker,23.2,60,119,IN,USA,single,high_school,heavy_blue_collar,24341.95,0.431,full_paramedical,132,86,194,38,5.11,114,,False,74.0,0.68,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,1.47,1.0,False,False,False,False,13,UW-229,1.25,universal_life,500000,monthly,2614.6,,10yr_declining,1798.3,,,False,none,independent_broker,False,False,False,0.007543,0.014427,SOA_2015_VBT,SOA_Scale_MP2023,1.413,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001886,0.012,False,,1.0,False,,,,0.08,0.0488,False,normal_rate,3.03,1.8,False,False,False,False,False,0.976,35.6,31.6,preferred_longevity,66.4,baseline,1.177,0.361,False,,False,,498201.7,19464.01,17807.96,20916.8,4967.74,False,0,4.84,16.55
LI-2024-INS004-003956,2002-02-23,2,53,55,1949,male,never_smoker,26.5,64,154,WI,USA,married,bachelors,white_collar,123294.99,0.7249,non_med_guaranteed,117,73,197,40,4.92,76,5.8,False,96.6,11.88,True,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,preferred_plus,,,False,False,False,False,21,UW-040,0.65,annuity_deferred,500000,quarterly,1460.38,,none,922.94,,,False,none,worksite,False,False,False,0.007058,0.004151,SOA_2015_VBT,SOA_Scale_MP2023,0.615,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0448,False,normal_rate,2.05,0.86,False,False,False,False,False,0.789,34.9,37.8,super_preferred_longevity,80.1,baseline,0.956,0.89,True,76.9,False,,499077.06,12073.46,10497.37,11683.04,2774.72,False,0,1.49,28.93
LI-2024-INS004-003957,2004-02-27,19,24,43,1980,non_binary,current_smoker,32.2,73,244,MN,USA,married,graduate,professional,124141.63,0.3978,simplified_issue,130,89,221,48,4.6,83,5.5,True,81.9,,False,False,False,True,False,none,,none,none,schizophrenia,1,False,False,True,False,True,substandard_table_8,,8.0,False,False,False,False,66,UW-359,3.0,term_life,500000,quarterly,5339.28,30.0,none,,,,True,facultative,independent_broker,False,False,False,0.005708,0.035368,SOA_2015_VBT,SOA_Scale_MP2023,3.492,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011416,0.02,False,,1.0,False,,,,0.03,0.0415,False,normal_rate,2.57,2.08,False,False,False,False,False,0.975,68.2,49.2,super_preferred_longevity,92.3,baseline,1.202,0.307,False,,False,,500000.0,40317.64,42636.57,42714.24,10144.63,False,0,-0.65,-20.0
LI-2024-INS004-003958,2000-05-10,5,21,26,1979,male,never_smoker,27.4,64,159,MA,USA,married,bachelors,white_collar,28311.95,0.6912,non_med_guaranteed,122,83,220,60,3.67,79,4.9,False,120.0,,False,False,True,False,True,prostate,2.1,none,none,depression,14,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,22,UW-005,2.0,whole_life,250000,semi_annual,1149.85,,none,816.83,,,False,none,independent_broker,False,False,False,0.001229,0.003897,SOA_2015_VBT,SOA_Scale_MP2023,2.213,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001229,0.018,False,,1.0,False,,,,0.04,0.0459,False,normal_rate,5.18,1.15,False,False,False,False,False,0.81,70.0,55.0,super_preferred_longevity,100.0,baseline,0.982,0.627,False,,False,,249183.17,8740.51,9568.55,9198.8,2184.71,False,0,5.37,-3.53
LI-2024-INS004-003959,2018-12-23,4,27,31,1991,male,former_smoker,24.5,62,133,WY,USA,single,some_college,white_collar,20000.0,0.5443,full_paramedical,107,68,195,70,2.79,91,,False,,,False,True,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-482,2.25,annuity_deferred,100000,semi_annual,643.08,,none,484.69,,,False,none,captive_agent,True,False,False,0.001992,0.007567,SOA_2015_VBT,SOA_Scale_MP2023,2.335,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00249,0.022,False,,1.0,False,,,,0.04,0.0506,False,normal_rate,1.3,1.93,False,False,False,False,True,0.981,67.6,55.0,super_preferred_longevity,100.0,baseline,1.092,0.606,False,,False,,99515.31,5467.23,5316.92,5144.64,1221.85,False,0,-0.78,-11.55
LI-2024-INS004-003960,2017-05-23,3,20,23,1997,male,current_smoker,25.7,71,184,AZ,USA,married,graduate,professional,69922.43,0.7759,full_paramedical,112,74,181,54,3.35,88,,True,,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-312,1.5,whole_life,1000000,annual,2811.25,,none,1815.32,,,True,none,independent_broker,False,True,False,0.002205,0.004384,SOA_2015_VBT,SOA_Scale_MP2023,1.621,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001103,0.022,False,,1.0,False,,,,0.04,0.0432,False,normal_rate,5.2,2.08,False,False,False,False,False,0.764,70.0,55.0,super_preferred_longevity,100.0,baseline,0.918,0.714,False,,False,,998184.68,21806.5,21680.75,22490.0,5341.38,False,0,5.16,2.61
LI-2024-INS004-003961,2010-05-28,8,61,69,1949,male,never_smoker,23.8,64,138,LA,USA,divorced,bachelors,light_blue_collar,151610.43,0.5456,full_paramedical,150,90,222,58,3.83,102,,False,,10.89,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-110,1.5,annuity_deferred,1000000,quarterly,7999.32,,none,6902.37,,,True,none,independent_broker,True,False,False,0.023353,0.051721,SOA_2015_VBT,SOA_Scale_MP2023,1.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011677,0.008,False,,1.0,False,,,,0.02,0.0253,False,normal_rate,2.09,1.58,False,False,False,False,False,0.871,26.2,18.2,standard_longevity,48.0,baseline,1.091,0.545,False,,False,,993097.63,52796.01,59430.03,58235.05,16350.61,False,0,-1.16,10.8
LI-2024-INS004-003962,2012-04-25,9,47,56,1965,female,never_smoker,39.6,63,223,OR,USA,single,bachelors,white_collar,83959.19,0.7612,accelerated_UW,138,81,229,38,6.03,102,5.1,False,54.0,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,13,UW-234,1.5,universal_life,500000,monthly,3053.55,,10yr_declining,2522.01,,,False,none,independent_broker,False,False,False,0.006975,0.014485,SOA_2015_VBT,SOA_Scale_MP2023,1.697,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003487,0.015,False,,1.0,False,,,,0.06,0.0295,False,normal_rate,2.89,1.15,False,False,False,False,False,0.896,48.0,39.0,super_preferred_longevity,82.4,baseline,0.929,0.663,False,,False,,497477.99,22376.56,24868.4,24428.4,5801.75,False,0,4.28,9.57
LI-2024-INS004-003963,2020-07-25,1,47,48,1973,female,never_smoker,30.1,64,175,OK,USA,married,bachelors,heavy_blue_collar,67001.39,0.8505,full_paramedical,141,103,243,39,6.23,83,4.8,False,92.8,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,1.12,,False,True,False,False,28,UW-224,1.0,indexed_ul,500000,monthly,1806.92,,15yr_declining,1207.36,,,False,none,independent_broker,False,False,False,0.00367,0.004889,SOA_2015_VBT,SOA_Scale_MP2023,1.073,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00149,1.0,True,2025-09-01,replacement,1.0,0.11,0.0505,False,normal_rate,3.14,1.28,False,False,False,False,False,0.769,52.8,51.8,super_preferred_longevity,100.0,baseline,0.862,0.907,False,,False,,498792.64,15153.82,12786.49,14455.36,3433.15,False,0,7.49,10.12
LI-2024-INS004-003964,2015-09-03,7,20,27,1995,male,never_smoker,21.9,62,119,OR,USA,married,graduate,heavy_blue_collar,110740.24,0.5635,full_paramedical,118,73,161,60,2.68,123,,False,91.4,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,True,True,substandard_table_1,0.7,1.0,False,False,False,False,33,UW-197,1.25,universal_life,500000,annual,1269.97,,15yr_declining,1000.54,,,False,none,independent_broker,False,False,False,0.001279,0.002104,SOA_2015_VBT,SOA_Scale_MP2023,1.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00032,0.022,False,,1.0,False,,,,0.06,0.0337,False,normal_rate,2.57,2.99,False,False,False,False,False,0.8,70.0,57.5,super_preferred_longevity,100.0,baseline,1.077,0.564,True,48.0,False,,498999.46,9437.52,9871.89,10159.76,2412.94,False,0,3.93,17.5
LI-2024-INS004-003965,2006-01-01,8,43,51,1963,male,never_smoker,34.4,61,182,PA,USA,single,high_school,professional,46188.47,0.6438,limited_exam,119,63,239,47,5.09,146,5.4,False,76.2,3.29,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-206,1.25,group_life,100000,annual,605.57,,none,,,,False,none,independent_broker,False,False,False,0.005628,0.008597,SOA_2015_VBT,SOA_Scale_MP2023,1.256,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001407,0.015,False,,1.0,False,,,,0.12,0.1422,False,normal_rate,2.87,0.51,True,False,False,False,False,0.979,47.2,39.2,super_preferred_longevity,81.0,baseline,1.017,0.838,False,,False,,100000.0,4442.06,4174.61,4844.56,1150.58,False,0,0.98,12.99
LI-2024-INS004-003966,2008-07-04,17,27,44,1981,female,never_smoker,30.2,60,154,MS,USA,divorced,high_school,professional,75070.76,0.6779,full_paramedical,132,87,191,62,3.08,66,,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,70,UW-182,1.5,universal_life,500000,quarterly,2425.59,,10yr_declining,2835.41,,,False,none,independent_broker,False,False,False,0.002724,0.005647,SOA_2015_VBT,SOA_Scale_MP2023,1.586,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001362,0.02,False,,1.0,False,,,,0.04,0.0463,False,normal_rate,3.18,0.83,False,False,False,False,False,0.936,70.0,53.0,super_preferred_longevity,100.0,baseline,0.992,0.764,False,,False,,497164.59,20866.48,20096.18,19404.72,4608.62,False,0,2.62,4.27
LI-2024-INS004-003967,2020-05-04,5,79,84,1941,female,former_smoker,35.0,62,191,WY,USA,single,high_school,heavy_blue_collar,38868.72,0.602,full_paramedical,148,90,239,49,4.88,72,6.1,False,65.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,1.16,5.0,False,False,False,False,12,UW-261,2.25,annuity_deferred,500000,annual,7579.05,,none,5337.49,,,False,none,independent_broker,False,True,False,0.08392,0.317705,SOA_2015_VBT,SOA_Scale_MP2023,2.343,cardiovascular,True,2021-03-31,True,False,1722333.0,0.0007,5e-05,1.095,0.1049,0.008,True,0.00665,1.0,False,,,,0.04,0.0487,False,normal_rate,2.01,2.35,False,False,False,False,False,0.979,11.2,6.2,sub_standard_longevity,30.8,baseline,1.048,0.69,False,,False,,494662.51,19478.09,17534.8,18796.04,22767.47,False,0,-0.6,-18.59
LI-2024-INS004-003968,2016-12-19,3,27,30,1989,female,never_smoker,31.1,62,169,TN,USA,married,bachelors,white_collar,48137.79,0.9237,full_paramedical,128,72,175,40,4.38,114,,False,99.8,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,4,UW-161,0.76,group_life,1000000,monthly,1922.92,,none,,,,True,none,employer_group,False,False,False,0.001168,0.000734,SOA_2015_VBT,SOA_Scale_MP2023,0.779,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,True,2025-10-02,voluntary_surrender,3.0,0.15,0.173,False,normal_rate,1.97,2.64,False,False,True,False,False,0.963,70.0,55.0,super_preferred_longevity,100.0,baseline,0.807,0.924,False,,False,,1000000.0,15751.41,14344.62,15383.36,3653.55,False,0,6.34,29.96
LI-2024-INS004-003969,2021-12-16,1,54,55,1967,female,unknown,29.1,60,148,IL,USA,divorced,high_school,professional,163623.63,0.7397,accelerated_UW,137,84,205,49,4.18,113,,False,81.1,,False,False,False,True,False,none,,none,none,schizophrenia,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,32,UW-291,2.5,whole_life,500000,monthly,5061.14,,none,3336.26,,,False,none,independent_broker,True,False,False,0.007383,0.031487,SOA_2015_VBT,SOA_Scale_MP2023,2.672,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011075,0.015,True,0.00176,1.0,True,2025-12-07,voluntary_surrender,1.0,0.06,0.0665,False,normal_rate,2.62,0.95,False,False,False,False,False,0.989,41.2,40.2,super_preferred_longevity,83.9,baseline,0.945,0.527,False,,False,,496663.74,40056.96,39980.33,40489.12,9616.17,False,0,1.93,-18.86
LI-2024-INS004-003970,2014-11-12,3,61,64,1953,female,never_smoker,28.3,71,202,AR,USA,widowed,high_school,hazardous,66618.96,0.5532,full_paramedical,133,77,159,52,3.06,114,6.1,False,75.7,,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,preferred,4.85,,True,False,False,False,53,UW-446,0.76,whole_life,250000,semi_annual,1136.14,,none,753.88,,,False,none,worksite,False,False,False,0.011906,0.010891,SOA_2015_VBT,SOA_Scale_MP2023,0.843,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0503,False,normal_rate,3.19,1.47,False,False,False,False,False,0.881,31.1,28.1,preferred_longevity,62.9,baseline,1.085,0.38,False,,False,,249246.12,9943.52,8862.92,9089.12,2158.67,False,0,3.99,28.55
LI-2024-INS004-003971,2010-04-04,14,45,59,1965,male,current_smoker,27.6,69,186,CA,USA,married,graduate,white_collar,52396.68,0.5958,full_paramedical,140,83,152,59,2.58,122,4.9,True,98.3,3.36,False,False,False,False,False,none,,none,none,schizophrenia,9,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,10,UW-441,2.75,universal_life,1000000,quarterly,14176.72,,15yr_declining,14737.26,,,True,none,employer_group,False,False,False,0.022429,0.109855,SOA_2015_VBT,SOA_Scale_MP2023,2.989,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039251,0.015,False,,1.0,False,,,,0.04,0.0264,False,normal_rate,2.73,1.89,False,False,False,False,False,0.815,45.3,31.3,preferred_longevity,68.4,baseline,1.053,0.517,False,,False,,985262.74,113562.11,109740.29,113413.76,26935.77,False,0,1.15,-20.0
LI-2024-INS004-003972,2009-05-16,9,73,82,1936,female,never_smoker,21.8,65,131,MS,USA,married,high_school,heavy_blue_collar,22898.8,0.2984,limited_exam,142,79,231,51,4.53,90,,False,77.2,,False,True,False,False,True,other,3.4,none,none,substance_use_disorder,1,False,False,False,False,True,substandard_table_6,0.5,6.0,False,False,False,False,48,UW-070,2.5,term_life,250000,semi_annual,4550.88,30.0,none,,,,True,quota_share,employer_group,False,False,False,0.057003,0.272755,SOA_2015_VBT,SOA_Scale_MP2023,2.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.085504,0.005,False,,1.0,False,,,,0.05,0.0877,False,normal_rate,0.34,2.32,False,False,False,False,False,0.868,15.0,6.0,sub_standard_longevity,26.0,baseline,1.276,0.276,False,,False,,250000.0,11825.67,9932.61,10922.11,13743.66,False,0,4.51,-20.0
LI-2024-INS004-003973,2004-09-08,11,31,42,1973,female,never_smoker,21.6,66,133,VT,USA,single,high_school,light_blue_collar,39111.05,0.639,full_paramedical,113,72,173,59,2.93,95,,False,93.6,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-118,2.0,whole_life,1000000,annual,7195.47,,none,6871.43,,,True,quota_share,bank,False,False,False,0.002366,0.007518,SOA_2015_VBT,SOA_Scale_MP2023,2.134,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.018,False,,1.0,False,,,,0.015,0.0178,False,normal_rate,4.91,2.31,False,False,False,False,False,0.827,64.9,53.9,super_preferred_longevity,100.0,baseline,1.021,0.603,False,,False,,993128.57,57543.74,52064.14,57563.76,13671.39,False,0,-0.35,-11.75
LI-2024-INS004-003974,2018-08-03,2,52,54,1966,male,never_smoker,27.5,70,191,AZ,USA,single,high_school,heavy_blue_collar,38820.37,0.4516,full_paramedical,126,75,230,45,5.11,137,4.8,False,80.0,3.64,False,False,True,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_1,0.84,1.0,False,False,False,False,52,UW-004,1.25,whole_life,1000000,semi_annual,5364.74,,none,3528.36,,,True,quota_share,independent_broker,False,True,False,0.007392,0.014699,SOA_2015_VBT,SOA_Scale_MP2023,1.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001848,0.015,False,,1.0,False,,,,0.04,0.0535,False,normal_rate,2.24,1.26,False,False,False,False,False,0.986,40.9,38.9,super_preferred_longevity,87.6,baseline,1.161,0.71,False,,False,,996471.64,44931.0,43570.23,42917.92,10193.01,False,0,-1.58,15.74
LI-2024-INS004-003975,2019-09-21,5,26,31,1993,male,never_smoker,33.3,66,206,WY,USA,single,high_school,white_collar,137383.11,0.5519,full_paramedical,133,82,215,40,5.38,75,4.4,False,105.5,,False,False,True,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,49,UW-430,2.5,universal_life,250000,annual,1728.66,,15yr_declining,1293.95,,,False,none,captive_agent,False,False,False,0.001532,0.006838,SOA_2015_VBT,SOA_Scale_MP2023,2.728,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002298,0.022,False,,1.0,False,,,,0.08,0.0453,False,normal_rate,2.05,0.92,False,False,False,False,False,0.955,70.0,55.0,super_preferred_longevity,100.0,baseline,1.086,0.362,False,,False,,248706.05,13547.25,13884.33,13829.28,3284.45,False,0,-2.82,-19.8
LI-2024-INS004-003976,2003-05-23,20,58,78,1945,male,never_smoker,30.7,76,251,KY,USA,married,some_college,heavy_blue_collar,167069.04,0.5098,full_paramedical,138,81,249,39,6.38,90,,False,76.5,7.64,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,0.61,2.0,False,False,False,False,16,UW-178,1.5,term_life,1000000,monthly,11064.5,20.0,none,,,,True,none,captive_agent,False,False,False,0.049617,0.119358,SOA_2015_VBT,SOA_Scale_MP2023,1.705,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024808,0.008,False,,1.0,False,,,,0.03,0.0388,False,normal_rate,2.34,1.92,False,False,False,False,False,0.786,28.4,8.4,sub_standard_longevity,32.7,baseline,1.118,0.371,False,,False,,1000000.0,38946.46,36840.64,37176.72,31290.41,False,0,3.34,8.91
LI-2024-INS004-003977,2012-07-05,9,80,89,1932,female,never_smoker,26.5,66,164,MD,USA,married,high_school,professional,84826.92,0.5292,limited_exam,143,95,240,61,3.93,101,5.2,False,71.7,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-257,1.5,indexed_ul,500000,annual,6219.03,,10yr_declining,5631.21,,,True,coinsurance,captive_agent,False,False,False,0.101233,0.244811,SOA_2015_VBT,SOA_Scale_MP2023,1.739,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050617,0.005,False,,1.0,False,,,,0.06,0.0345,False,normal_rate,3.06,1.52,False,False,False,False,False,0.846,8.3,1.0,sub_standard_longevity,21.9,baseline,1.103,0.648,False,,False,,494368.79,2340.96,2388.39,2487.61,21269.08,False,0,1.35,8.43
LI-2024-INS004-003978,2005-02-20,16,47,63,1958,female,former_smoker,23.8,69,161,NC,USA,single,graduate,white_collar,57072.85,0.8781,limited_exam,133,67,188,48,3.92,75,5.3,False,62.4,,True,False,False,False,False,none,,none,none,none,0,False,True,False,True,True,standard_plus,,,False,False,False,False,36,UW-262,0.93,group_life,100000,quarterly,533.66,,none,,,,False,none,independent_broker,False,False,False,0.015083,0.012272,SOA_2015_VBT,SOA_Scale_MP2023,0.967,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.1,0.0998,False,normal_rate,3.74,2.08,False,False,False,False,False,0.761,47.2,32.9,preferred_longevity,75.0,baseline,0.841,0.987,True,50.4,False,,100000.0,3843.81,4152.58,4269.28,1013.95,False,0,2.35,21.84
LI-2024-INS004-003979,2012-07-22,14,19,33,1993,female,never_smoker,35.4,70,246,NE,USA,married,bachelors,professional,70141.11,0.7117,full_paramedical,135,83,205,50,4.1,82,5.2,False,93.7,,True,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-158,1.25,term_life,500000,monthly,1904.82,30.0,none,,,,False,none,direct_to_consumer,True,False,False,0.001358,0.002156,SOA_2015_VBT,SOA_Scale_MP2023,1.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00034,0.022,False,,1.0,False,,,,0.03,0.0475,False,normal_rate,4.0,2.4,False,False,False,False,False,0.871,70.0,55.0,super_preferred_longevity,100.0,baseline,0.966,0.685,False,,False,,500000.0,16020.05,15866.78,15238.56,3619.16,False,0,5.04,18.03
LI-2024-INS004-003980,2017-01-26,2,28,30,1989,female,former_smoker,30.2,68,198,MO,USA,single,less_than_hs,light_blue_collar,105810.44,0.4,full_paramedical,116,76,178,55,3.24,111,,False,95.9,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-113,1.25,universal_life,2000000,semi_annual,5833.32,,15yr_declining,3904.27,,,True,coinsurance,worksite,False,False,False,0.001518,0.003047,SOA_2015_VBT,SOA_Scale_MP2023,1.464,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00038,0.02,False,,1.0,False,,,,0.08,0.0497,False,normal_rate,2.18,1.56,False,False,False,False,False,0.968,69.5,55.0,super_preferred_longevity,100.0,baseline,1.2,0.284,False,,False,,1996095.73,46481.41,48518.15,46666.56,11083.31,False,0,1.2,7.53
LI-2024-INS004-003981,2022-05-14,1,34,35,1988,female,never_smoker,35.3,71,252,LA,USA,widowed,some_college,professional,82079.58,0.2562,full_paramedical,120,73,253,22,11.5,97,5.5,False,112.6,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-136,2.0,term_life,250000,semi_annual,1366.17,10.0,none,,,,False,none,worksite,False,False,False,0.001517,0.014653,SOA_2015_VBT,SOA_Scale_MP2023,2.201,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001517,0.02,True,0.00877,1.0,False,,,,0.1,0.2093,False,normal_rate,3.99,1.53,False,False,False,False,False,0.805,62.8,51.3,super_preferred_longevity,93.3,baseline,1.308,0.141,True,9.1,False,,250000.0,11668.31,9796.28,10929.36,2595.72,False,0,4.65,-11.17
LI-2024-INS004-003982,2014-12-04,6,52,58,1962,female,unknown,30.8,68,202,WI,USA,divorced,high_school,professional,27817.88,0.7855,full_paramedical,149,86,196,39,5.03,89,5.2,False,,,True,False,False,False,False,none,,none,none,substance_use_disorder,5,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-114,2.25,term_life,500000,annual,4816.14,15.0,none,,,,False,none,independent_broker,False,False,False,0.009062,0.031724,SOA_2015_VBT,SOA_Scale_MP2023,2.471,other,True,2020-10-10,False,False,841265.69,0.0007,5e-05,1.095,0.011327,0.015,False,,1.0,False,,,,0.05,0.0536,False,normal_rate,3.54,1.26,False,False,False,False,False,0.832,42.6,36.6,preferred_longevity,79.2,baseline,0.911,0.756,False,,False,,500000.0,38531.3,33441.78,38529.12,9150.67,False,0,-2.02,-17.81
LI-2024-INS004-003983,2000-01-09,21,72,93,1928,male,former_smoker,24.5,68,161,NE,USA,widowed,bachelors,professional,28508.94,0.7481,non_med_guaranteed,155,90,218,63,3.46,86,5.3,False,,11.81,False,True,False,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,50,UW-436,2.5,term_life,100000,monthly,1953.0,20.0,none,,,,False,none,independent_broker,False,False,False,0.172308,0.689942,SOA_2015_VBT,SOA_Scale_MP2023,2.667,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.258462,0.012,False,,1.0,False,,,,0.03,0.033,False,normal_rate,5.27,1.67,False,False,False,False,False,0.98,13.2,1.0,sub_standard_longevity,25.2,baseline,0.939,0.775,False,,False,,100000.0,766.41,808.66,781.2,6679.26,False,0,1.74,-18.29
LI-2024-INS004-003984,2021-03-01,1,22,23,1999,male,never_smoker,31.5,67,200,GA,USA,married,some_college,light_blue_collar,20000.0,0.5105,full_paramedical,136,81,152,32,4.75,102,,False,106.9,,False,False,False,False,False,none,,none,none,none,1,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,51,UW-226,1.5,universal_life,500000,monthly,1424.97,,10yr_declining,841.02,,,False,none,captive_agent,False,False,False,0.001103,0.005205,SOA_2015_VBT,SOA_Scale_MP2023,1.609,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000551,0.022,True,0.00267,1.0,False,,,,0.12,0.0697,False,normal_rate,3.43,0.97,False,False,False,False,False,0.935,70.0,55.0,super_preferred_longevity,100.0,baseline,1.117,0.553,False,,False,,499158.98,11167.31,9907.46,11399.76,2707.44,False,0,7.44,5.94
LI-2024-INS004-003985,2016-08-01,6,53,59,1963,female,never_smoker,33.5,62,183,DE,USA,married,high_school,white_collar,59038.47,0.7107,full_paramedical,147,85,241,40,6.03,90,5.1,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-039,1.5,annuity_deferred,2000000,annual,14427.18,,none,11344.17,,,True,facultative,bank,False,False,False,0.008705,0.018703,SOA_2015_VBT,SOA_Scale_MP2023,1.705,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004352,0.015,False,,1.0,False,,,,0.02,0.0226,False,normal_rate,7.15,0.85,False,False,False,False,False,0.811,41.5,35.5,preferred_longevity,76.4,baseline,0.967,0.639,False,,False,,1988655.83,125184.46,102313.75,115417.44,27411.64,False,0,3.12,8.93
LI-2024-INS004-003986,2010-07-21,9,31,40,1979,female,never_smoker,20.2,67,128,RI,USA,married,bachelors,heavy_blue_collar,92854.99,0.5809,non_med_guaranteed,114,72,176,38,4.63,83,,False,96.5,,False,True,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,0.95,5.0,False,False,False,False,6,UW-471,2.25,universal_life,250000,annual,1659.49,,15yr_declining,1481.72,,,False,none,employer_group,False,False,False,0.002066,0.008038,SOA_2015_VBT,SOA_Scale_MP2023,2.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.018,False,,1.0,True,2025-07-21,voluntary_surrender,9.0,0.06,0.04,False,normal_rate,2.54,2.77,False,False,False,False,False,0.951,65.6,52.2,super_preferred_longevity,99.5,baseline,1.064,0.663,True,15.5,False,,248518.28,12459.08,13352.15,13275.92,3153.03,False,0,4.63,-12.72
LI-2024-INS004-003987,2013-08-03,1,60,61,1953,female,never_smoker,30.0,71,214,SC,USA,single,high_school,white_collar,20000.0,0.8193,full_paramedical,134,76,171,51,3.35,77,,False,67.2,,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-049,1.25,term_life,1000000,quarterly,7035.66,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.009201,0.013063,SOA_2015_VBT,SOA_Scale_MP2023,1.321,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0023,0.012,False,,1.0,False,,,,0.1,0.1045,False,normal_rate,2.78,1.45,False,False,False,False,False,0.797,33.2,32.2,preferred_longevity,73.1,baseline,0.886,0.927,False,,False,,1000000.0,60781.52,52808.26,56285.28,13367.75,False,0,2.0,17.28
LI-2024-INS004-003988,2009-04-02,8,38,46,1971,male,never_smoker,30.5,68,200,CA,USA,divorced,high_school,professional,94902.79,0.6292,full_paramedical,122,74,231,61,3.79,91,,False,,1.29,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,27,UW-353,2.25,universal_life,500000,monthly,3879.27,,15yr_declining,3377.95,,,False,none,direct_to_consumer,False,False,False,0.003943,0.014914,SOA_2015_VBT,SOA_Scale_MP2023,2.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004929,0.018,False,,1.0,False,,,,0.06,0.0452,False,normal_rate,1.11,1.18,False,False,False,False,False,0.846,53.6,49.5,super_preferred_longevity,96.2,baseline,1.028,0.562,True,59.5,False,,496622.05,32054.36,29799.94,31034.16,7370.61,False,0,-0.5,-13.86
LI-2024-INS004-003989,2010-09-02,7,78,85,1932,male,never_smoker,15.6,69,105,MS,USA,divorced,some_college,hazardous,81808.0,0.8041,non_med_guaranteed,162,102,212,63,3.37,70,4.8,False,58.4,5.89,False,True,False,False,False,none,,none,none,none,1,False,False,False,True,True,declined,,,True,False,True,False,39,UW-443,7.0,whole_life,500000,monthly,28348.59,,none,24049.71,,,False,none,worksite,False,False,False,0.090323,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.541937,0.005,False,,1.0,False,,,,0.02,0.0211,False,normal_rate,3.92,1.62,False,False,False,False,False,0.836,7.4,1.0,sub_standard_longevity,26.1,baseline,0.897,0.852,False,,False,,475950.29,10751.19,11856.46,11339.44,96952.18,False,0,-5.0,-20.0
LI-2024-INS004-003990,2013-11-02,4,78,82,1935,non_binary,never_smoker,27.5,66,170,LA,USA,divorced,bachelors,professional,20000.0,0.8499,limited_exam,130,82,195,49,3.98,76,,False,83.4,,True,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,52,UW-245,2.25,indexed_ul,1000000,monthly,13679.65,,10yr_declining,10168.31,,,True,facultative,worksite,False,False,False,0.063808,0.205413,SOA_2015_VBT,SOA_Scale_MP2023,2.283,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.079759,0.005,False,,1.0,False,,,,0.08,0.0367,False,normal_rate,3.84,2.89,False,False,False,False,False,0.812,8.0,4.3,sub_standard_longevity,31.7,baseline,0.863,0.889,True,56.1,False,,989831.69,22902.24,23593.43,23529.0,43172.97,False,0,0.73,-7.58
LI-2024-INS004-003991,2016-11-16,10,32,42,1984,male,unknown,21.8,75,174,HI,USA,divorced,high_school,light_blue_collar,20000.0,0.2631,full_paramedical,122,82,164,54,3.04,114,5.1,False,75.9,0.32,False,False,False,False,False,none,,none,none,depression,9,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-176,1.25,term_life,100000,monthly,440.36,20.0,none,,,,False,none,captive_agent,False,False,False,0.0034,0.006414,SOA_2015_VBT,SOA_Scale_MP2023,1.256,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00085,0.02,False,,1.0,False,,,,0.05,0.0745,False,normal_rate,3.99,1.66,False,False,False,False,False,0.962,60.3,50.3,super_preferred_longevity,91.9,baseline,1.303,0.197,False,,False,,100000.0,3572.12,3649.46,3522.88,836.68,False,0,4.18,11.35
LI-2024-INS004-003992,2005-04-13,16,32,48,1973,female,never_smoker,41.6,58,199,CA,USA,married,graduate,light_blue_collar,70604.41,0.3771,full_paramedical,102,68,221,37,5.97,93,4.9,False,77.2,,False,True,False,False,False,none,,none,none,depression,7,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,34,UW-235,2.0,term_life,500000,quarterly,4440.21,30.0,none,,,,False,none,employer_group,False,False,False,0.00367,0.013703,SOA_2015_VBT,SOA_Scale_MP2023,2.246,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00367,0.018,False,,1.0,False,,,,0.03,0.0503,False,normal_rate,3.1,2.22,False,False,False,False,False,0.972,62.9,46.9,super_preferred_longevity,88.5,baseline,1.217,0.394,False,,False,,500000.0,35129.29,35010.93,35521.68,8436.4,False,0,4.54,-6.26
LI-2024-INS004-003993,2012-03-11,3,68,71,1944,male,never_smoker,29.9,66,185,AL,USA,married,graduate,white_collar,176524.1,0.9626,full_paramedical,136,82,230,41,5.61,98,,False,,4.76,True,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,9,UW-037,1.0,indexed_ul,1000000,monthly,5319.07,,15yr_declining,3721.04,,,True,quota_share,independent_broker,False,False,False,0.026713,0.021137,SOA_2015_VBT,SOA_Scale_MP2023,1.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.08,0.0335,False,normal_rate,1.74,1.52,False,False,False,False,False,0.773,20.1,17.1,standard_longevity,52.6,baseline,0.778,0.9,False,,False,,996278.96,34613.44,36413.3,36382.44,11340.26,False,0,1.58,25.2
LI-2024-INS004-003994,2020-06-10,2,18,20,2002,male,never_smoker,27.2,70,189,CA,USA,married,bachelors,heavy_blue_collar,40761.28,0.5967,full_paramedical,116,69,117,47,2.49,99,,False,95.9,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,0.91,5.0,False,False,False,False,10,UW-097,2.25,term_life,1000000,annual,4030.45,25.0,none,,,,True,none,captive_agent,False,False,False,0.001007,0.005469,SOA_2015_VBT,SOA_Scale_MP2023,2.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001258,0.012,True,0.00176,1.0,False,,,,0.07,0.0856,False,normal_rate,3.49,1.28,True,False,False,False,False,0.943,70.0,55.0,super_preferred_longevity,100.0,baseline,1.052,0.498,False,,False,,1000000.0,29083.14,33410.33,32243.6,7657.85,False,0,2.37,-12.82
LI-2024-INS004-003995,2018-03-23,6,38,44,1980,male,never_smoker,34.5,72,254,IN,USA,married,some_college,light_blue_collar,131601.54,0.6359,non_med_guaranteed,145,89,241,44,5.48,67,5.5,False,99.6,1.3,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-268,2.0,whole_life,250000,monthly,2101.61,,none,1674.52,,,False,none,captive_agent,False,False,False,0.003406,0.01075,SOA_2015_VBT,SOA_Scale_MP2023,2.108,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.02,False,,1.0,False,,,,0.02,0.0238,False,normal_rate,2.84,1.2,False,False,False,False,False,0.825,55.1,48.9,super_preferred_longevity,95.4,baseline,1.023,0.726,False,,True,-0.151,248325.48,16165.93,16653.54,16812.88,3993.06,False,0,1.81,-7.97
LI-2024-INS004-003996,2002-12-04,5,61,66,1941,male,never_smoker,22.7,72,167,FL,USA,divorced,some_college,professional,325683.68,0.6248,non_med_guaranteed,149,96,218,63,3.46,102,,False,73.4,3.2,False,False,False,True,False,none,,none,none,schizophrenia,5,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,53,UW-164,2.5,term_life,250000,monthly,3352.3,20.0,none,,,,False,none,captive_agent,False,False,False,0.016868,0.069266,SOA_2015_VBT,SOA_Scale_MP2023,2.527,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025302,0.008,False,,1.0,False,,,,0.07,0.084,False,normal_rate,3.66,1.26,False,False,False,False,False,0.794,25.3,20.3,standard_longevity,52.3,baseline,1.031,0.588,False,,False,,250000.0,26957.86,25443.3,26818.4,6369.37,False,0,0.96,-20.0
LI-2024-INS004-003997,2004-07-27,9,60,69,1944,male,never_smoker,31.8,71,227,UT,USA,married,bachelors,professional,20906.63,0.863,limited_exam,154,98,184,55,3.35,88,4.8,True,,8.88,False,True,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-434,1.5,term_life,2000000,annual,19366.94,15.0,none,,,,True,none,independent_broker,False,False,False,0.044868,0.084187,SOA_2015_VBT,SOA_Scale_MP2023,1.614,cardiovascular,True,2012-10-05,False,False,78575.68,0.0007,5e-05,1.095,0.022434,0.008,False,,1.0,False,,,,0.05,0.0505,False,normal_rate,4.2,2.39,False,False,False,False,False,0.923,27.7,18.7,standard_longevity,53.5,baseline,0.853,0.88,False,,False,,2000000.0,134033.96,123523.56,144864.71,38811.35,False,0,-0.93,11.54
LI-2024-INS004-003998,2020-04-17,5,59,64,1961,male,never_smoker,29.8,68,195,NH,USA,widowed,some_college,light_blue_collar,47192.97,0.4061,full_paramedical,147,87,243,61,3.98,99,5.2,False,82.6,2.11,True,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,54,UW-379,1.5,whole_life,500000,quarterly,3648.87,,none,2564.2,,,False,none,bank,False,False,False,0.016193,0.042376,SOA_2015_VBT,SOA_Scale_MP2023,1.525,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008097,0.015,True,0.00476,1.0,False,,,,0.04,0.055,False,normal_rate,2.32,2.48,False,False,False,False,False,0.92,30.0,25.0,standard_longevity,56.1,baseline,1.195,0.235,False,,False,,497435.8,29725.03,30057.41,29190.96,6932.85,False,0,4.7,3.94
LI-2024-INS004-003999,2016-01-05,10,59,69,1957,male,never_smoker,27.1,76,222,HI,USA,married,some_college,heavy_blue_collar,45338.78,0.6899,full_paramedical,142,81,208,51,4.08,90,,False,,10.39,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,0.83,4.0,False,False,False,False,34,UW-225,2.0,term_life,100000,quarterly,1052.96,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.024111,0.073056,SOA_2015_VBT,SOA_Scale_MP2023,2.066,cancer,True,2024-05-25,False,False,1342922.73,0.0007,5e-05,1.095,0.024111,0.012,False,,1.0,False,,,,0.05,0.0804,False,normal_rate,2.91,2.73,False,False,False,False,False,0.983,30.3,20.3,standard_longevity,53.3,baseline,0.983,0.703,False,,False,,100000.0,8505.14,7784.93,8423.68,2000.62,False,0,3.1,-5.77
LI-2024-INS004-004000,2002-02-22,24,54,78,1948,male,current_smoker,27.4,69,185,SD,USA,married,high_school,hazardous,54167.44,0.4241,accelerated_UW,149,100,204,48,4.25,93,5.4,True,,12.3,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_4,3.69,4.0,True,False,False,True,4,UW-499,2.0,annuity_deferred,500000,annual,5705.15,,none,9417.9,,,False,none,independent_broker,False,False,False,0.101654,0.345432,SOA_2015_VBT,SOA_Scale_MP2023,2.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.101654,0.008,False,,1.0,False,,,,0.01,0.0136,False,normal_rate,2.66,0.61,False,False,False,False,False,0.795,32.5,8.5,sub_standard_longevity,31.6,baseline,1.182,0.403,False,,False,,490582.1,18465.19,16907.44,19397.51,16088.52,False,0,1.27,-6.37
LI-2024-INS004-004001,2002-12-02,2,21,23,1981,female,never_smoker,28.8,60,147,CO,USA,married,bachelors,light_blue_collar,27596.57,0.7856,full_paramedical,113,72,193,56,3.45,93,5.4,False,108.0,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,6,UW-386,0.69,universal_life,500000,quarterly,631.16,,10yr_declining,443.61,,,False,none,bank,False,False,False,0.000882,0.000523,SOA_2015_VBT,SOA_Scale_MP2023,0.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0386,False,normal_rate,2.83,2.99,False,False,False,False,False,0.951,70.0,55.0,super_preferred_longevity,100.0,baseline,0.911,0.777,False,,False,,499556.39,5197.28,4639.69,5049.28,1199.2,False,0,3.49,31.82
LI-2024-INS004-004002,2010-10-13,16,65,81,1945,female,current_smoker,31.5,70,219,ND,USA,divorced,some_college,professional,94667.84,0.6398,limited_exam,150,87,255,44,5.8,80,4.9,True,66.8,,False,True,False,True,False,none,,none,none,bipolar,1,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,43,UW-480,3.0,term_life,500000,monthly,9524.27,20.0,none,,,,False,none,bank,False,False,False,0.102991,0.57203,SOA_2015_VBT,SOA_Scale_MP2023,3.484,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.205981,0.008,False,,1.0,False,,,,0.03,0.0356,False,normal_rate,4.8,2.65,False,False,False,False,False,0.761,25.9,9.9,standard_longevity,36.9,baseline,1.02,0.56,False,,False,,500000.0,34098.27,36547.28,37716.11,25791.72,False,0,-0.68,-20.0
LI-2024-INS004-004003,2006-02-17,19,45,64,1961,female,never_smoker,35.5,66,219,WV,USA,single,some_college,professional,33160.97,0.7294,limited_exam,146,87,200,36,5.56,98,5.0,False,57.6,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-197,1.5,term_life,1000000,quarterly,7125.66,20.0,none,,,,True,none,employer_group,False,False,False,0.012955,0.026612,SOA_2015_VBT,SOA_Scale_MP2023,1.631,cardiovascular,True,2022-11-05,False,False,1565775.2,0.0007,5e-05,1.095,0.006477,0.015,False,,1.0,False,,,,0.03,0.0402,False,normal_rate,3.39,1.93,False,False,False,False,False,0.999,52.3,30.6,preferred_longevity,79.3,baseline,0.953,0.739,True,3.8,False,,1000000.0,54644.48,53425.83,57005.28,13538.75,False,0,2.95,6.33
LI-2024-INS004-004004,2022-04-06,4,79,83,1943,female,former_smoker,24.5,59,121,AR,USA,married,bachelors,light_blue_collar,36014.06,0.466,full_paramedical,148,89,204,48,4.25,91,,False,61.8,,False,True,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,4,UW-009,1.5,indexed_ul,5000000,annual,54967.21,,10yr_declining,40473.89,,,True,none,captive_agent,False,False,False,0.078271,0.195447,SOA_2015_VBT,SOA_Scale_MP2023,1.673,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039136,0.008,True,0.00566,1.0,False,,,,0.08,0.0478,False,normal_rate,2.39,2.43,False,False,False,False,False,0.855,11.0,7.0,sub_standard_longevity,30.0,baseline,1.151,0.348,False,,False,,4959526.11,140626.18,156518.06,153908.19,161603.6,False,0,1.57,10.61
LI-2024-INS004-004005,2006-06-26,7,60,67,1946,male,never_smoker,26.9,68,177,IN,USA,divorced,graduate,white_collar,110301.64,0.6109,non_med_guaranteed,124,70,223,66,3.38,109,4.5,False,82.4,8.66,True,True,False,False,True,colorectal,0.4,none,none,substance_use_disorder,1,False,False,False,False,True,standard,,,False,True,False,False,39,UW-060,1.0,indexed_ul,250000,monthly,1485.04,,10yr_declining,1175.31,,,False,none,captive_agent,False,False,False,0.019153,0.020094,SOA_2015_VBT,SOA_Scale_MP2023,1.007,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0327,False,normal_rate,2.44,2.74,False,False,False,False,False,0.964,27.0,19.6,standard_longevity,51.1,baseline,1.042,0.706,True,27.3,False,,248824.69,12564.25,10130.47,11642.71,2869.1,False,0,4.11,18.6
LI-2024-INS004-004006,2006-11-06,11,43,54,1963,male,never_smoker,27.6,75,220,TX,USA,single,high_school,white_collar,101355.38,0.7433,full_paramedical,130,78,280,62,4.52,62,5.7,False,102.2,4.84,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,14,UW-184,1.0,indexed_ul,500000,quarterly,2016.31,,10yr_declining,1866.2,,,False,none,independent_broker,False,False,False,0.007172,0.007395,SOA_2015_VBT,SOA_Scale_MP2023,1.094,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.1424,True,normal_rate,5.38,1.27,False,False,False,False,False,0.981,47.6,36.6,preferred_longevity,78.5,baseline,0.943,0.822,False,,False,,498133.8,15199.62,15780.26,16130.48,3830.99,False,0,5.0,28.47
LI-2024-INS004-004007,2020-01-08,7,57,64,1963,male,never_smoker,26.5,69,179,TX,USA,divorced,bachelors,professional,20000.0,0.5702,full_paramedical,131,69,254,64,3.97,106,,False,83.7,4.37,False,True,True,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,9,UW-370,1.0,term_life,500000,annual,2731.47,25.0,none,,,,True,coinsurance,bank,False,False,False,0.01669,0.022203,SOA_2015_VBT,SOA_Scale_MP2023,1.026,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00384,1.0,False,,,,0.05,0.0622,False,normal_rate,4.49,1.05,False,False,False,False,False,0.919,35.9,28.9,preferred_longevity,74.4,baseline,1.072,0.68,False,,False,,500000.0,23660.77,19165.44,21851.76,5189.79,False,0,2.54,18.78
LI-2024-INS004-004008,2017-09-20,8,44,52,1973,female,former_smoker,29.1,65,175,IL,USA,widowed,high_school,white_collar,20000.0,0.5097,limited_exam,98,69,255,40,6.38,92,5.8,False,84.7,,False,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,38,UW-018,1.5,universal_life,2000000,monthly,14827.57,,15yr_declining,12884.38,10668.27,0.828,True,none,bank,False,False,False,0.006536,0.014802,SOA_2015_VBT,SOA_Scale_MP2023,1.579,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003268,0.018,False,,1.0,False,,,,0.06,0.0209,False,normal_rate,2.79,2.95,False,False,False,False,False,0.943,51.4,43.4,super_preferred_longevity,85.2,baseline,1.118,0.288,False,,False,,1987115.62,113614.14,105670.19,118620.56,28172.38,False,0,2.41,4.25
LI-2024-INS004-004009,2023-10-19,2,65,67,1958,male,never_smoker,32.8,69,222,CO,USA,married,some_college,professional,92304.55,0.8005,full_paramedical,144,92,275,27,10.19,106,4.3,False,85.9,4.48,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,19,UW-022,2.0,term_life,1000000,semi_annual,12138.18,25.0,none,,,,True,excess_of_loss,bank,False,False,False,0.020503,0.059993,SOA_2015_VBT,SOA_Scale_MP2023,2.141,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020503,0.012,False,,1.0,False,,,,0.07,0.0742,False,normal_rate,4.63,0.61,False,False,False,False,False,0.932,24.9,25.2,preferred_longevity,62.3,baseline,0.9,0.72,True,63.8,False,,1000000.0,101046.98,83981.61,97105.44,23062.54,False,0,4.29,-9.34
LI-2024-INS004-004010,2001-05-09,5,42,47,1959,female,former_smoker,30.8,64,179,LA,USA,married,bachelors,heavy_blue_collar,31799.81,0.7677,accelerated_UW,97,60,206,40,5.15,78,,False,,,False,True,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_1,0.64,1.0,False,False,False,True,12,UW-417,1.25,term_life,1000000,monthly,4568.64,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.004112,0.005877,SOA_2015_VBT,SOA_Scale_MP2023,1.276,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001028,0.012,False,,1.0,True,2025-08-18,replacement,5.0,0.07,0.3212,False,normal_rate,4.7,0.62,False,False,False,True,False,0.989,51.9,46.9,super_preferred_longevity,94.4,baseline,0.924,0.687,False,,False,,1000000.0,39723.59,31109.18,36549.12,8680.42,False,0,5.79,16.08
LI-2024-INS004-004011,2005-07-24,6,20,26,1985,female,never_smoker,25.1,67,160,HI,USA,single,some_college,light_blue_collar,57338.85,0.75,full_paramedical,94,68,204,55,3.71,94,5.9,False,82.1,,True,False,False,False,False,none,,none,none,none,18,False,False,False,False,False,preferred_plus,,,False,False,False,False,8,UW-249,0.68,term_life,250000,semi_annual,329.76,20.0,none,,,,True,none,captive_agent,False,False,False,0.000983,0.000592,SOA_2015_VBT,SOA_Scale_MP2023,0.642,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.055,False,normal_rate,4.22,1.52,False,False,False,False,False,0.875,70.0,55.0,super_preferred_longevity,100.0,baseline,0.938,0.796,False,,False,,250000.0,2467.33,2693.2,2638.08,626.54,False,0,1.63,23.95
LI-2024-INS004-004012,2000-06-18,27,41,68,1959,female,current_smoker,35.4,69,240,NC,USA,married,high_school,professional,78956.67,0.6318,limited_exam,134,87,248,45,5.51,107,5.6,True,64.7,,False,False,False,False,True,melanoma,3.8,none,moderate_gold_2,substance_use_disorder,0,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,22,UW-072,2.75,term_life,500000,monthly,8266.26,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.036222,0.170955,SOA_2015_VBT,SOA_Scale_MP2023,2.894,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.063388,0.012,False,,1.0,False,,,,0.03,0.0502,False,normal_rate,3.68,2.07,False,False,False,False,False,0.813,52.3,25.3,standard_longevity,59.9,baseline,1.026,0.704,False,,False,,500000.0,69825.98,60368.76,66130.08,15705.89,False,0,-1.56,-20.0
LI-2024-INS004-004013,2014-09-06,13,61,74,1953,male,former_smoker,30.8,69,208,VT,USA,married,high_school,white_collar,175830.25,0.8907,full_paramedical,138,73,212,53,4.0,92,5.7,False,75.6,2.68,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,12,UW-352,1.0,whole_life,1000000,semi_annual,5502.6,,none,5469.52,4660.03,0.852,True,quota_share,independent_broker,False,False,False,0.046224,0.038765,SOA_2015_VBT,SOA_Scale_MP2023,1.008,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.015,0.0089,False,normal_rate,4.21,1.55,False,False,False,False,False,0.929,28.5,15.5,standard_longevity,49.1,baseline,0.832,1.0,False,,False,,994530.48,33988.55,31384.84,34116.12,12435.88,False,0,4.51,18.5
LI-2024-INS004-004014,2011-09-26,11,52,63,1959,female,never_smoker,23.2,65,139,WI,USA,divorced,bachelors,professional,263717.8,0.5166,non_med_guaranteed,129,96,180,50,3.6,96,,False,71.8,,False,False,False,True,False,none,,none,none,anxiety,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,28,UW-114,2.5,universal_life,1000000,semi_annual,13524.38,,10yr_declining,13183.53,,,True,quota_share,captive_agent,False,False,False,0.011743,0.050604,SOA_2015_VBT,SOA_Scale_MP2023,2.525,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017615,0.012,False,,1.0,True,2025-09-09,voluntary_surrender,11.0,0.04,0.1375,True,normal_rate,2.88,2.09,True,False,False,False,False,0.892,40.9,32.4,preferred_longevity,68.8,baseline,1.113,0.641,True,59.4,False,,986816.47,109661.75,96622.29,108195.04,25696.32,False,0,-1.67,-18.74
LI-2024-INS004-004015,2016-05-02,5,28,33,1988,male,never_smoker,22.9,69,155,HI,USA,married,some_college,white_collar,104043.86,0.6698,non_med_guaranteed,109,68,186,50,3.72,91,,False,110.2,,False,False,True,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-464,2.0,term_life,500000,annual,2580.92,30.0,none,,,,False,none,captive_agent,False,False,False,0.001698,0.005498,SOA_2015_VBT,SOA_Scale_MP2023,2.244,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001698,0.02,False,,1.0,False,,,,0.07,0.0815,False,normal_rate,3.67,2.57,True,False,False,False,False,0.832,69.5,56.2,super_preferred_longevity,100.0,baseline,0.998,0.744,True,40.6,False,,500000.0,21928.75,19119.3,20647.36,4903.75,False,0,4.42,1.12
LI-2024-INS004-004016,2002-12-10,20,23,43,1979,female,never_smoker,20.0,67,127,NJ,USA,single,bachelors,light_blue_collar,152870.64,0.725,simplified_issue,127,75,166,53,3.13,95,5.7,False,78.4,,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-040,2.25,term_life,1000000,semi_annual,8729.4,15.0,none,,,,True,facultative,employer_group,False,False,False,0.002537,0.008964,SOA_2015_VBT,SOA_Scale_MP2023,2.388,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.018,False,,1.0,False,,,,0.03,0.0403,False,normal_rate,2.95,1.33,False,False,False,False,False,0.765,70.0,50.0,super_preferred_longevity,98.4,baseline,0.956,0.657,False,,False,,1000000.0,63029.39,71332.16,69835.2,16585.86,False,0,0.4,-13.15
LI-2024-INS004-004017,2014-08-27,5,76,81,1938,male,never_smoker,21.8,70,151,SC,USA,single,bachelors,white_collar,26220.87,0.7659,full_paramedical,147,85,157,49,3.2,84,5.2,False,47.5,20.0,False,True,True,False,False,none,,none,none,none,26,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,19,UW-468,1.75,term_life,100000,monthly,1268.22,15.0,none,,,,False,none,captive_agent,False,False,False,0.066019,0.164331,SOA_2015_VBT,SOA_Scale_MP2023,1.879,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.049514,0.005,False,,1.0,False,,,,0.07,0.0761,False,normal_rate,6.38,1.19,False,False,False,False,False,0.794,13.2,8.2,standard_longevity,46.3,baseline,0.926,0.708,False,,False,,100000.0,4027.38,3639.66,4159.76,3606.82,False,0,2.12,-1.08
LI-2024-INS004-004018,2005-03-05,22,72,94,1933,male,never_smoker,22.6,63,127,ND,USA,married,some_college,professional,97939.62,0.5346,full_paramedical,155,100,243,44,5.52,79,5.5,False,66.9,8.47,True,False,True,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,39,UW-487,1.5,term_life,100000,monthly,1074.14,20.0,none,,,,False,none,independent_broker,False,False,False,0.191167,0.452967,SOA_2015_VBT,SOA_Scale_MP2023,1.701,respiratory,True,2020-12-18,False,False,720581.51,0.0007,5e-05,1.095,0.095584,0.005,False,,1.0,False,,,,0.03,0.0382,False,normal_rate,2.18,0.99,False,False,False,False,False,0.811,15.5,1.0,sub_standard_longevity,32.0,baseline,1.099,0.531,False,,False,,100000.0,394.62,396.7,429.66,3673.56,False,0,4.3,5.49
LI-2024-INS004-004019,2007-11-12,12,18,30,1989,female,former_smoker,28.8,61,152,FL,USA,married,bachelors,white_collar,63869.75,0.5608,simplified_issue,119,81,253,52,4.87,119,5.3,False,78.4,,False,False,False,False,False,none,,none,none,anxiety,13,True,False,False,False,False,preferred,2.52,,True,False,False,False,16,UW-432,0.79,term_life,1000000,monthly,2153.52,15.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.001518,0.001278,SOA_2015_VBT,SOA_Scale_MP2023,0.78,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0526,False,normal_rate,2.88,0.71,False,False,False,False,False,0.824,70.0,55.0,super_preferred_longevity,100.0,baseline,1.079,0.601,False,,False,,1000000.0,18935.89,16899.49,17228.16,4091.69,False,0,5.43,26.08
LI-2024-INS004-004020,2004-03-17,18,57,75,1947,female,never_smoker,36.0,67,229,CT,USA,married,graduate,light_blue_collar,81872.43,0.79,full_paramedical,157,104,216,39,5.54,85,4.5,False,69.5,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-394,2.0,term_life,1000000,annual,12641.71,20.0,none,,,,True,none,bank,False,False,False,0.031051,0.088142,SOA_2015_VBT,SOA_Scale_MP2023,2.026,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031051,0.008,False,,1.0,False,,,,0.03,0.032,False,normal_rate,5.02,2.21,False,False,False,False,False,0.939,34.8,17.1,standard_longevity,50.0,baseline,0.907,0.784,True,40.1,False,,1000000.0,90739.8,80917.09,86469.3,26952.12,False,0,2.09,-1.65
LI-2024-INS004-004021,2011-12-22,6,24,30,1987,male,never_smoker,37.9,73,287,GA,USA,divorced,some_college,white_collar,68679.32,0.3481,simplified_issue,130,81,207,44,4.7,91,5.8,False,100.2,,False,False,False,False,False,none,,pre_diabetes,none,bipolar,2,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,27,UW-100,2.0,whole_life,500000,annual,2557.22,,none,2049.91,,,False,none,captive_agent,False,True,False,0.00146,0.00517,SOA_2015_VBT,SOA_Scale_MP2023,2.051,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00146,0.02,False,,1.0,False,,,,0.02,0.0284,False,normal_rate,2.87,2.66,False,False,False,False,False,0.784,69.0,58.1,super_preferred_longevity,100.0,baseline,1.239,0.267,True,51.3,False,,497950.09,20958.61,20200.25,20457.76,4858.72,False,0,-1.83,-2.1
LI-2024-INS004-004022,2001-07-28,20,73,93,1928,male,never_smoker,20.5,71,147,OK,USA,married,high_school,white_collar,99340.02,0.3828,full_paramedical,128,80,220,49,4.49,69,5.1,False,57.7,13.08,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,29,UW-090,0.76,universal_life,100000,quarterly,655.58,,15yr_declining,917.41,,,False,none,independent_broker,False,False,False,0.132545,0.12202,SOA_2015_VBT,SOA_Scale_MP2023,0.759,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0558,False,normal_rate,3.85,2.11,False,False,False,False,False,0.998,13.7,1.0,sub_standard_longevity,29.7,baseline,1.213,0.332,False,,False,,99082.59,244.58,270.78,262.23,2242.08,False,0,4.96,18.47
LI-2024-INS004-004023,2011-10-13,3,49,52,1962,male,never_smoker,37.5,62,204,ND,USA,married,high_school,heavy_blue_collar,91475.87,0.6652,non_med_guaranteed,140,93,261,44,5.93,109,7.9,False,90.9,2.25,False,False,False,False,False,none,,type_2,none,none,0,False,True,False,False,True,substandard_table_5,0.92,5.0,False,False,False,False,23,UW-333,2.25,term_life,500000,monthly,4219.94,20.0,none,,,,False,none,independent_broker,False,False,False,0.006006,0.02249,SOA_2015_VBT,SOA_Scale_MP2023,2.492,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007507,0.015,False,,1.0,True,2026-03-06,unknown,3.0,0.07,0.0817,False,normal_rate,4.31,2.08,False,False,False,False,False,0.81,41.2,38.2,preferred_longevity,79.8,baseline,1.001,0.67,False,,False,,500000.0,33645.08,31443.82,33759.52,8017.89,False,0,-0.48,-13.86
LI-2024-INS004-004024,2017-04-02,5,33,38,1984,female,never_smoker,24.9,71,178,KY,USA,married,graduate,light_blue_collar,45063.59,0.3919,limited_exam,109,80,212,40,5.3,90,5.5,False,91.8,,False,False,False,False,False,none,,none,none,none,16,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-222,1.25,whole_life,500000,monthly,1932.17,,none,1460.9,,,False,none,employer_group,False,False,False,0.001816,0.003506,SOA_2015_VBT,SOA_Scale_MP2023,1.393,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000454,0.02,False,,1.0,False,,,,0.04,0.0666,False,normal_rate,2.54,2.0,False,False,False,False,False,0.965,63.8,55.0,super_preferred_longevity,100.0,baseline,1.206,0.368,False,,False,,498539.1,16977.14,15605.75,15457.36,3671.12,False,0,-1.83,10.67
LI-2024-INS004-004025,2011-05-06,8,19,27,1992,male,former_smoker,27.6,64,160,FL,USA,divorced,less_than_hs,white_collar,25677.56,0.3924,accelerated_UW,126,66,193,30,6.43,105,,False,94.5,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,True,False,False,False,False,substandard_table_5,3.26,5.0,True,False,False,True,3,UW-039,2.25,term_life,250000,annual,1097.74,15.0,none,,,,False,none,captive_agent,False,False,False,0.001662,0.006885,SOA_2015_VBT,SOA_Scale_MP2023,2.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002078,0.022,False,,1.0,False,,,,0.05,0.0693,False,normal_rate,2.94,2.3,False,False,False,False,False,0.799,70.0,55.0,super_preferred_longevity,100.0,baseline,1.206,0.318,False,,False,,250000.0,8554.66,8772.88,8781.92,2085.71,False,0,0.19,-4.26
LI-2024-INS004-004026,2001-07-10,7,59,66,1942,male,never_smoker,28.6,72,210,WY,USA,married,high_school,professional,30968.93,0.6021,full_paramedical,128,82,209,56,3.73,92,,False,,2.24,False,False,False,False,False,none,,none,none,none,8,True,True,False,False,False,preferred,4.01,,True,False,False,False,28,UW-441,0.84,universal_life,1000000,monthly,4747.01,,10yr_declining,3667.52,,,True,none,bank,False,False,False,0.017004,0.013424,SOA_2015_VBT,SOA_Scale_MP2023,0.753,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0329,False,normal_rate,3.78,1.14,False,False,False,False,False,0.995,27.3,20.3,standard_longevity,52.0,baseline,1.048,0.554,False,,False,,996332.48,41418.72,36405.08,37976.08,9019.32,False,0,4.77,22.74
LI-2024-INS004-004027,2011-02-20,1,76,77,1935,male,current_smoker,22.2,63,125,OK,USA,married,bachelors,professional,85155.53,0.8923,non_med_guaranteed,128,73,241,65,3.71,74,4.7,True,71.3,13.17,False,False,False,False,False,none,,none,mild_gold_1,none,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,45,UW-184,2.0,indexed_ul,1000000,semi_annual,14779.18,,15yr_declining,9733.46,7115.16,0.731,True,none,employer_group,False,False,False,0.091895,0.251836,SOA_2015_VBT,SOA_Scale_MP2023,2.095,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.091895,0.005,False,,1.0,False,,,,0.11,0.0351,False,normal_rate,2.67,2.66,False,False,False,False,False,0.889,10.2,9.2,standard_longevity,39.7,baseline,0.831,1.0,False,,False,,990266.54,53072.61,55379.99,54387.38,40849.65,False,0,0.89,1.62
LI-2024-INS004-004028,2005-08-08,12,62,74,1943,male,former_smoker,28.0,61,148,OR,USA,single,some_college,white_collar,108771.46,0.6491,accelerated_UW,154,99,241,56,4.3,94,,False,,3.71,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,23,UW-383,1.5,term_life,2000000,semi_annual,20874.98,15.0,none,,,,True,quota_share,bank,False,False,False,0.044775,0.099055,SOA_2015_VBT,SOA_Scale_MP2023,1.69,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022388,0.008,False,,1.0,False,,,,0.03,0.0354,False,normal_rate,1.8,1.19,False,False,False,False,False,0.96,24.7,12.7,standard_longevity,41.3,baseline,1.013,0.76,False,,False,,2000000.0,98966.87,102332.73,106044.9,51853.45,False,0,4.07,7.19
LI-2024-INS004-004029,2010-02-10,2,77,79,1933,female,never_smoker,23.2,62,126,PA,USA,married,high_school,heavy_blue_collar,110250.15,0.6514,simplified_issue,155,92,237,49,4.84,73,4.7,False,79.2,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,1.3,2.0,False,False,False,False,27,UW-147,1.5,universal_life,100000,monthly,1067.67,,15yr_declining,695.97,,,False,none,independent_broker,True,False,False,0.04331,0.088853,SOA_2015_VBT,SOA_Scale_MP2023,1.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021655,0.005,False,,1.0,False,,,,0.08,0.0424,False,normal_rate,1.76,1.6,False,False,False,False,False,0.852,12.0,9.7,standard_longevity,36.8,baseline,1.011,0.589,True,22.7,False,,99304.03,4330.39,4161.76,4142.56,2908.33,False,0,0.65,2.55
LI-2024-INS004-004030,2005-12-07,15,77,92,1928,female,never_smoker,23.5,64,137,NJ,USA,married,some_college,white_collar,54066.09,0.4643,limited_exam,146,87,162,62,2.61,86,4.9,False,52.5,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-053,2.25,whole_life,500000,quarterly,7483.97,,none,8446.3,4113.35,0.487,False,none,direct_to_consumer,True,False,False,0.097805,0.385857,SOA_2015_VBT,SOA_Scale_MP2023,2.34,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.122257,0.012,False,,1.0,False,,,,0.015,0.0167,False,normal_rate,3.85,1.98,False,False,False,False,False,0.808,11.0,1.0,sub_standard_longevity,21.0,baseline,1.152,0.53,False,,False,,491553.7,2911.89,3067.89,2993.59,25595.18,False,0,2.55,-16.52
LI-2024-INS004-004031,2002-02-17,16,59,75,1943,male,never_smoker,28.2,71,202,NE,USA,married,high_school,professional,48109.5,0.8936,full_paramedical,138,83,230,61,3.77,95,5.6,False,,12.94,False,False,True,True,False,none,,none,none,depression,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,52,UW-125,2.5,term_life,250000,annual,3738.04,25.0,none,,,,False,none,captive_agent,False,False,False,0.037587,0.135633,SOA_2015_VBT,SOA_Scale_MP2023,2.541,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.05638,0.008,False,,1.0,False,,,,0.03,0.0296,False,normal_rate,2.64,0.87,False,False,False,False,False,0.879,31.7,15.7,standard_longevity,59.5,baseline,0.83,0.864,False,,False,,250000.0,24070.93,24536.18,23474.89,8388.16,False,0,-2.35,-18.97
LI-2024-INS004-004032,2009-06-09,16,31,47,1978,female,former_smoker,27.7,66,171,NY,USA,widowed,bachelors,heavy_blue_collar,20000.0,0.8094,limited_exam,124,82,264,56,4.71,74,5.2,False,72.8,,False,True,True,False,False,none,,none,none,substance_use_disorder,6,False,False,True,False,True,substandard_table_5,1.02,5.0,False,False,False,False,29,UW-122,2.25,annuity_deferred,500000,semi_annual,3870.2,,none,4573.97,,,False,none,bank,False,False,False,0.004421,0.014598,SOA_2015_VBT,SOA_Scale_MP2023,2.298,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005526,0.018,False,,1.0,False,,,,0.01,0.0105,False,normal_rate,4.64,2.8,False,False,False,False,False,0.975,69.4,55.0,super_preferred_longevity,100.0,baseline,0.893,0.79,True,80.2,True,0.831,495426.03,31155.44,29071.48,30961.6,7353.38,False,0,0.53,-6.85
LI-2024-INS004-004033,2005-02-11,4,71,75,1934,female,never_smoker,28.7,71,205,VT,USA,married,bachelors,heavy_blue_collar,95625.46,0.6075,accelerated_UW,140,88,183,43,4.26,99,5.5,False,89.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,1.25,5.0,False,False,False,True,14,UW-032,2.25,whole_life,100000,monthly,1456.39,,none,989.37,,,False,none,captive_agent,False,False,False,0.030717,0.112567,SOA_2015_VBT,SOA_Scale_MP2023,2.312,cardiovascular,True,2008-06-04,False,False,1388194.67,0.0007,5e-05,1.095,0.038397,0.005,False,,1.0,False,,,,0.04,0.0486,False,normal_rate,3.0,2.09,False,False,False,False,False,0.755,17.9,15.1,standard_longevity,44.3,baseline,1.044,0.674,False,,True,0.776,99010.63,8099.59,8957.59,8796.6,3338.05,False,0,0.68,-17.93
LI-2024-INS004-004034,2017-12-03,1,40,41,1977,male,former_smoker,19.7,61,104,NY,USA,divorced,graduate,white_collar,28239.86,0.5253,full_paramedical,119,63,190,36,5.28,86,5.7,False,,1.07,True,False,False,True,False,none,,none,none,bipolar,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,33,UW-189,2.5,whole_life,1000000,annual,8109.38,,none,4934.07,,,True,excess_of_loss,captive_agent,True,False,False,0.00359,0.015866,SOA_2015_VBT,SOA_Scale_MP2023,2.64,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005385,0.018,False,,1.0,False,,,,0.06,0.0768,False,normal_rate,4.77,2.19,True,False,False,False,False,0.9,52.1,51.1,super_preferred_longevity,97.0,baseline,1.106,0.496,False,,False,,995065.93,60991.01,65455.5,64875.04,15407.82,False,0,2.23,-19.57
LI-2024-INS004-004035,2013-11-07,14,57,71,1956,female,former_smoker,30.4,63,171,IN,USA,married,bachelors,professional,90674.75,0.6258,accelerated_UW,136,81,240,59,4.07,82,5.6,False,,,False,False,False,True,False,none,,none,none,depression,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,45,UW-497,2.5,whole_life,1000000,monthly,14840.44,,none,16276.42,,,True,excess_of_loss,independent_broker,False,False,False,0.0295,0.120322,SOA_2015_VBT,SOA_Scale_MP2023,2.502,respiratory,True,2020-03-24,False,False,1124074.43,0.0007,5e-05,1.095,0.04425,0.012,False,,1.0,False,,,,0.015,0.018,False,normal_rate,2.07,1.94,False,False,False,False,False,0.773,35.9,21.9,standard_longevity,54.7,baseline,1.031,0.716,False,,False,,983723.58,119253.21,113729.06,118723.52,28196.84,False,0,1.76,-19.26
LI-2024-INS004-004036,2024-11-03,3,78,81,1946,male,never_smoker,39.8,71,285,CT,USA,divorced,high_school,light_blue_collar,110074.35,0.7179,simplified_issue,139,75,278,42,6.62,114,4.8,False,80.1,5.62,False,False,False,False,True,colorectal,5.4,none,none,anxiety,0,False,True,False,False,True,substandard_table_2,,2.0,False,False,False,False,26,UW-251,1.5,indexed_ul,1000000,quarterly,9109.15,,10yr_declining,6176.68,,,True,coinsurance,independent_broker,False,False,False,0.064888,0.133898,SOA_2015_VBT,SOA_Scale_MP2023,1.626,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032444,0.008,False,,1.0,False,,,,0.08,0.0405,False,normal_rate,2.95,2.74,False,False,False,False,False,0.984,9.4,6.4,sub_standard_longevity,32.9,baseline,0.962,0.861,False,,False,,993823.32,24332.56,20773.09,23319.42,27218.14,False,0,-1.67,8.08
LI-2024-INS004-004037,2003-06-19,7,40,47,1963,female,never_smoker,31.0,69,209,MN,USA,married,graduate,white_collar,509988.58,0.806,limited_exam,151,88,216,34,6.35,86,,False,82.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-128,1.5,annuity_deferred,500000,semi_annual,2830.09,,none,2349.75,,,False,none,captive_agent,False,False,False,0.003299,0.006415,SOA_2015_VBT,SOA_Scale_MP2023,1.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00165,0.015,False,,1.0,False,,,,0.02,0.0211,False,normal_rate,2.42,2.01,False,False,False,False,False,0.859,54.9,47.9,super_preferred_longevity,96.4,baseline,0.895,0.834,False,,False,,497650.25,20520.12,23258.05,22640.72,5377.17,False,0,2.96,2.57
LI-2024-INS004-004038,2007-08-25,6,76,82,1931,female,never_smoker,35.6,60,182,MO,USA,single,bachelors,white_collar,37206.88,0.4375,accelerated_UW,159,103,274,49,5.59,135,4.5,False,87.3,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,17,UW-153,2.0,annuity_deferred,500000,monthly,6254.69,,none,4952.89,,,True,facultative,independent_broker,True,True,False,0.055592,0.201847,SOA_2015_VBT,SOA_Scale_MP2023,2.245,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055592,0.005,False,,1.0,False,,,,0.02,0.027,False,normal_rate,3.03,0.57,False,True,False,False,True,0.788,11.8,6.5,sub_standard_longevity,28.8,baseline,1.172,0.387,True,68.6,False,,495047.11,14829.89,15924.83,16262.19,18638.98,False,0,3.31,-3.53
LI-2024-INS004-004039,2020-06-16,3,47,50,1973,male,current_smoker,27.3,76,224,HI,USA,divorced,bachelors,professional,28275.46,0.7312,full_paramedical,134,80,205,59,3.47,65,4.9,True,,0.74,False,False,True,False,False,none,,none,moderate_gold_2,depression,0,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,10,UW-257,2.5,indexed_ul,250000,annual,2852.44,,10yr_declining,1948.45,,,False,none,worksite,False,False,False,0.010719,0.048571,SOA_2015_VBT,SOA_Scale_MP2023,2.673,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016078,0.018,True,0.00523,1.0,False,,,,0.08,0.0401,False,normal_rate,5.95,0.76,False,False,False,False,False,0.914,48.3,45.3,super_preferred_longevity,100.0,baseline,0.952,0.628,False,,False,,248051.55,24709.14,19490.9,22819.52,5419.64,False,0,2.92,-14.74
LI-2024-INS004-004040,2014-04-06,9,19,28,1995,female,unknown,28.7,67,183,TX,USA,married,bachelors,professional,105534.48,0.7194,full_paramedical,140,82,190,59,3.22,117,5.3,False,,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-178,1.25,annuity_deferred,1000000,monthly,2546.55,,none,2268.61,,,True,none,worksite,False,False,False,0.001227,0.001957,SOA_2015_VBT,SOA_Scale_MP2023,1.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000307,0.022,False,,1.0,False,,,,0.02,0.0225,False,normal_rate,3.23,2.49,False,False,False,False,False,0.862,70.0,55.0,super_preferred_longevity,100.0,baseline,0.96,0.71,False,,False,,997731.39,20701.39,20507.14,20372.4,4838.45,False,0,1.18,9.96
LI-2024-INS004-004041,2012-06-27,6,68,74,1944,male,never_smoker,25.7,63,145,IL,USA,divorced,high_school,hazardous,218473.88,0.2693,full_paramedical,135,85,269,61,4.41,95,,False,90.7,2.96,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,3.8,4.0,True,False,False,False,36,UW-165,2.0,universal_life,500000,quarterly,5608.84,,10yr_declining,4122.84,,,False,none,captive_agent,False,False,False,0.03472,0.129813,SOA_2015_VBT,SOA_Scale_MP2023,2.11,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03472,0.008,False,,1.0,False,,,,0.06,0.0401,False,normal_rate,2.11,1.64,False,False,False,False,False,0.918,17.3,11.3,sub_standard_longevity,33.5,baseline,1.298,0.269,False,,False,,495877.16,26958.29,26074.97,25351.96,14560.55,False,0,-0.23,-9.02
LI-2024-INS004-004042,2001-08-08,7,31,38,1970,female,never_smoker,32.2,60,164,VA,USA,married,bachelors,professional,143144.13,0.957,full_paramedical,129,69,243,63,3.86,97,5.4,False,,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-129,2.0,term_life,500000,monthly,2934.0,25.0,none,,,,False,none,captive_agent,False,False,False,0.001816,0.004881,SOA_2015_VBT,SOA_Scale_MP2023,2.157,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001816,0.018,False,,1.0,False,,,,0.05,0.0467,False,normal_rate,3.71,2.06,False,False,False,False,False,0.768,65.8,55.0,super_preferred_longevity,100.0,baseline,0.782,0.977,False,,False,,500000.0,22765.23,22918.32,23472.0,5574.6,False,0,0.81,-1.66
LI-2024-INS004-004043,2000-12-07,3,56,59,1944,female,never_smoker,28.3,64,164,OK,USA,married,some_college,white_collar,21725.82,0.37,limited_exam,124,73,211,52,4.06,107,,False,100.4,,False,False,False,False,True,melanoma,12.3,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,67,UW-491,1.5,term_life,500000,annual,4009.83,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.007579,0.019708,SOA_2015_VBT,SOA_Scale_MP2023,1.718,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00379,0.008,False,,1.0,False,,,,0.07,0.0983,False,normal_rate,1.94,2.84,False,False,False,False,False,0.988,33.7,34.3,preferred_longevity,69.5,baseline,1.223,0.392,True,68.5,False,,500000.0,33567.82,27940.11,32078.64,7618.68,False,0,4.11,2.42
LI-2024-INS004-004044,2005-11-08,5,79,84,1926,female,never_smoker,27.4,72,201,WY,USA,divorced,high_school,professional,56144.06,0.7377,full_paramedical,161,101,204,53,3.85,108,4.6,False,83.2,,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-250,2.0,whole_life,250000,monthly,3102.34,,none,2330.83,,,False,none,captive_agent,False,False,False,0.048883,0.143663,SOA_2015_VBT,SOA_Scale_MP2023,2.048,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048883,0.012,False,,1.0,False,,,,0.04,0.0444,False,normal_rate,3.91,2.75,False,False,False,False,False,0.753,9.8,5.6,sub_standard_longevity,32.0,baseline,0.947,0.731,True,78.9,False,,247669.17,7084.31,6772.19,6949.24,9468.34,False,0,-2.5,-8.04
LI-2024-INS004-004045,2022-05-06,3,44,47,1978,male,current_smoker,34.2,63,192,UT,USA,single,high_school,white_collar,20000.0,0.5637,full_paramedical,132,92,197,52,3.79,96,5.3,True,84.7,0.97,True,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,16,UW-394,1.75,universal_life,2000000,monthly,11882.38,,10yr_declining,8059.88,,,True,quota_share,independent_broker,False,False,False,0.008502,0.029386,SOA_2015_VBT,SOA_Scale_MP2023,1.895,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006376,0.018,True,0.00566,1.0,False,,,,0.08,0.1738,False,normal_rate,4.33,1.78,False,False,False,True,False,0.861,48.4,46.5,super_preferred_longevity,90.7,baseline,1.077,0.565,True,41.2,False,,1991940.12,99351.16,89428.8,95059.04,22576.52,False,0,0.93,5.22
LI-2024-INS004-004046,2001-09-17,25,34,59,1967,male,never_smoker,28.5,76,233,OR,USA,married,high_school,heavy_blue_collar,20000.0,0.7337,non_med_guaranteed,135,81,135,50,2.7,114,,False,,1.96,False,False,False,False,False,none,,none,none,none,15,False,False,False,False,False,preferred,0.76,,False,False,False,False,8,UW-180,0.83,term_life,1000000,semi_annual,4271.99,20.0,none,,,,True,none,independent_broker,False,False,False,0.011215,0.008755,SOA_2015_VBT,SOA_Scale_MP2023,0.822,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0334,False,normal_rate,5.09,0.57,False,False,False,False,False,0.851,57.2,32.2,preferred_longevity,71.8,baseline,0.95,0.681,False,,False,,1000000.0,31244.67,35739.36,34175.92,8116.78,False,0,2.3,27.17
LI-2024-INS004-004047,2021-09-02,5,22,27,1999,non_binary,never_smoker,29.7,60,151,ID,USA,married,some_college,light_blue_collar,68951.7,0.1442,simplified_issue,120,86,233,54,4.31,85,5.4,False,,,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,49,UW-343,2.25,term_life,100000,quarterly,454.17,25.0,none,,,,False,none,captive_agent,False,False,False,0.001151,0.006491,SOA_2015_VBT,SOA_Scale_MP2023,2.477,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001439,0.022,True,0.00108,1.0,False,,,,0.07,0.1553,False,normal_rate,2.8,1.57,False,False,False,False,False,0.856,70.0,55.0,super_preferred_longevity,97.2,baseline,1.392,0.203,False,,False,,100000.0,3483.0,3202.76,3633.36,862.92,False,0,1.44,-10.77
LI-2024-INS004-004048,2014-05-08,10,26,36,1988,male,never_smoker,21.2,72,156,AR,USA,married,high_school,light_blue_collar,96712.37,0.3876,full_paramedical,123,84,187,43,4.35,73,5.9,False,111.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred,,,False,False,False,False,39,UW-315,0.77,indexed_ul,1000000,semi_annual,2087.18,,15yr_declining,1997.85,,,True,quota_share,direct_to_consumer,False,False,False,0.00201,0.001901,SOA_2015_VBT,SOA_Scale_MP2023,0.782,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.0525,False,normal_rate,3.33,1.35,False,False,False,False,False,0.893,67.4,65.4,super_preferred_longevity,100.0,baseline,1.209,0.443,True,86.3,False,,998002.15,17387.87,16016.8,16697.44,3965.64,False,0,6.33,24.27
LI-2024-INS004-004049,2000-04-07,16,55,71,1945,female,never_smoker,36.3,61,192,TN,USA,single,less_than_hs,white_collar,60627.95,0.8066,limited_exam,138,84,193,20,9.65,94,5.4,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,10,UW-366,1.75,whole_life,250000,annual,2871.27,,none,3409.26,,,False,none,employer_group,False,False,False,0.021543,0.050035,SOA_2015_VBT,SOA_Scale_MP2023,1.757,cardiovascular,True,2008-05-17,False,False,820242.8,0.0007,5e-05,1.095,0.016157,0.008,False,,1.0,False,,,,0.015,0.019,False,normal_rate,3.69,2.26,False,False,False,False,False,0.963,36.6,23.5,standard_longevity,59.8,baseline,0.895,0.914,True,73.9,False,,246590.74,24101.28,20884.83,22970.16,5455.41,False,0,5.07,-2.1
LI-2024-INS004-004050,2024-04-25,3,76,79,1948,female,never_smoker,32.8,71,234,MT,USA,married,high_school,professional,29718.61,0.6165,full_paramedical,126,74,219,47,4.66,78,5.2,False,88.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-180,2.25,term_life,250000,monthly,3388.02,15.0,none,,,,False,none,captive_agent,False,False,False,0.044355,0.159874,SOA_2015_VBT,SOA_Scale_MP2023,2.269,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055444,0.008,False,,1.0,False,,,,0.07,0.0845,False,normal_rate,3.18,2.76,False,False,False,False,False,0.923,15.3,15.4,standard_longevity,44.8,baseline,1.038,0.494,True,100.0,False,,250000.0,21089.96,20226.67,20870.2,7684.03,False,0,1.37,-15.95
LI-2024-INS004-004051,2006-06-12,3,76,79,1930,female,former_smoker,19.9,71,142,NC,USA,married,graduate,white_collar,20000.0,0.4105,full_paramedical,123,77,153,53,2.89,104,5.0,False,94.7,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-241,1.25,whole_life,2000000,annual,16956.94,,none,11519.83,,,True,facultative,direct_to_consumer,False,False,False,0.055463,0.105506,SOA_2015_VBT,SOA_Scale_MP2023,1.386,respiratory,True,2007-05-28,True,True,1528184.05,0.0007,5e-05,1.095,0.013866,0.005,False,,1.0,False,,,,0.04,0.0768,False,normal_rate,4.82,1.71,False,False,False,False,False,0.755,11.5,8.5,sub_standard_longevity,31.4,baseline,1.192,0.332,False,,False,,1988480.17,60069.42,56312.08,57653.6,47818.57,False,0,3.69,13.32
LI-2024-INS004-004052,2023-06-01,3,21,24,2002,female,never_smoker,35.9,67,228,MD,USA,married,bachelors,heavy_blue_collar,89176.99,0.5026,limited_exam,139,84,208,41,5.07,114,4.9,False,96.0,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,1.31,1.0,False,False,False,False,15,UW-004,1.25,term_life,1000000,annual,2292.26,20.0,none,,,,True,facultative,employer_group,False,False,False,0.000913,0.001709,SOA_2015_VBT,SOA_Scale_MP2023,1.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000228,0.012,False,,1.0,False,,,,0.07,0.109,False,normal_rate,3.28,1.26,False,False,False,False,False,0.985,70.0,55.0,super_preferred_longevity,100.0,baseline,1.123,0.703,False,,False,,1000000.0,16663.31,15863.74,18338.08,4355.29,False,0,5.6,8.66
LI-2024-INS004-004053,2006-03-11,14,78,92,1928,male,never_smoker,26.7,71,191,MT,USA,single,some_college,professional,74883.68,0.5836,full_paramedical,153,104,242,57,4.25,83,5.3,False,58.3,6.08,True,False,False,False,True,prostate,2.0,none,none,depression,2,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,54,UW-117,2.0,term_life,1000000,monthly,13331.42,25.0,none,,,,True,none,employer_group,False,False,False,0.122257,0.386548,SOA_2015_VBT,SOA_Scale_MP2023,2.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.122257,0.012,False,,1.0,False,,,,0.03,0.0444,False,normal_rate,3.27,1.88,False,False,False,False,False,0.887,6.5,1.0,sub_standard_longevity,22.8,baseline,1.062,0.518,False,,False,,1000000.0,5112.65,4860.18,5332.57,45593.46,False,0,0.52,-4.06
LI-2024-INS004-004054,2003-01-02,19,18,37,1985,male,never_smoker,24.3,75,194,CT,USA,widowed,some_college,hazardous,47261.29,0.4544,simplified_issue,124,73,153,51,3.0,114,,False,83.4,,True,False,False,False,False,none,,none,none,none,6,False,False,True,False,True,preferred_plus,4.11,,True,False,False,False,55,UW-284,0.55,term_life,1000000,monthly,1677.09,20.0,none,,,,True,none,independent_broker,False,False,False,0.002134,0.001719,SOA_2015_VBT,SOA_Scale_MP2023,0.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,2.83,1.48,True,False,False,False,False,0.954,70.0,51.0,super_preferred_longevity,95.8,baseline,1.159,0.55,False,,False,,1000000.0,12406.05,11620.12,13416.72,3186.47,False,0,7.86,30.76
LI-2024-INS004-004055,2004-03-15,14,36,50,1968,male,current_smoker,18.3,76,149,ME,USA,single,high_school,white_collar,20000.0,0.8274,full_paramedical,112,70,184,73,2.52,86,,True,82.5,1.26,False,False,True,False,False,none,,none,mild_gold_1,none,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-391,2.0,universal_life,2000000,monthly,18876.47,,15yr_declining,20139.53,,,True,none,captive_agent,False,False,False,0.010719,0.02977,SOA_2015_VBT,SOA_Scale_MP2023,2.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010719,0.015,False,,1.0,False,,,,0.04,0.0187,False,normal_rate,4.14,2.13,False,False,False,False,False,0.842,58.7,44.7,super_preferred_longevity,100.0,baseline,0.879,0.886,False,,False,,1979860.47,149333.56,135400.25,151011.76,35865.29,False,0,4.27,-7.18
LI-2024-INS004-004056,2018-04-22,8,56,64,1962,male,never_smoker,24.3,60,124,NH,USA,married,high_school,heavy_blue_collar,77722.93,0.8468,accelerated_UW,135,93,234,55,4.25,95,,False,96.2,3.63,True,False,False,False,True,melanoma,13.4,none,none,bipolar,0,False,False,False,False,True,substandard_table_4,0.63,4.0,False,False,False,True,44,UW-102,2.0,term_life,100000,monthly,1073.91,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.01644,0.046158,SOA_2015_VBT,SOA_Scale_MP2023,2.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01644,0.015,False,,1.0,False,,,,0.05,0.0716,False,normal_rate,3.1,1.78,False,False,False,False,False,0.865,34.9,26.9,preferred_longevity,65.6,baseline,0.865,0.937,False,,False,,100000.0,8569.6,8029.3,8591.28,2040.43,False,0,2.46,-9.49
LI-2024-INS004-004057,2005-01-03,17,73,90,1932,female,never_smoker,34.0,70,236,CT,USA,married,high_school,professional,22860.44,0.7941,simplified_issue,160,101,310,31,10.0,102,4.9,False,,,False,False,False,False,True,other,1.2,none,none,none,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,40,UW-451,2.5,universal_life,500000,annual,8680.31,,10yr_declining,10595.01,,,False,none,bank,False,False,False,0.109988,0.421531,SOA_2015_VBT,SOA_Scale_MP2023,2.579,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.164982,0.005,False,,1.0,True,2026-04-21,replacement,17.0,0.04,0.0426,False,normal_rate,3.95,1.27,False,False,False,False,False,0.809,16.4,1.0,sub_standard_longevity,25.9,baseline,0.904,0.878,False,,False,,489404.99,3435.38,3228.77,3472.12,29686.66,False,0,0.01,-9.49
LI-2024-INS004-004058,2005-07-18,18,23,41,1982,male,former_smoker,38.8,70,270,WV,USA,single,high_school,professional,37132.48,0.8521,full_paramedical,136,96,208,52,4.0,96,9.9,False,77.4,1.47,False,True,False,False,True,colorectal,8.9,type_2,none,substance_use_disorder,1,False,False,False,False,True,standard,,,False,True,False,False,54,UW-448,1.0,whole_life,2000000,semi_annual,7182.4,,none,9008.5,7368.95,0.818,True,none,captive_agent,False,False,False,0.00359,0.003155,SOA_2015_VBT,SOA_Scale_MP2023,1.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.0092,False,normal_rate,2.85,1.3,True,False,False,False,False,0.771,70.0,54.7,super_preferred_longevity,100.0,baseline,0.861,0.584,True,49.8,False,,1990991.5,51913.31,52935.39,57459.2,13646.56,False,0,4.0,21.65
LI-2024-INS004-004059,2020-12-01,2,49,51,1971,female,current_smoker,25.8,63,145,VT,USA,married,high_school,heavy_blue_collar,20000.0,0.3534,non_med_guaranteed,157,97,252,48,5.25,87,,True,60.4,,False,False,True,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_4,1.0,4.0,False,False,False,False,14,UW-194,2.0,term_life,500000,monthly,4110.81,25.0,none,,,,False,none,employer_group,False,False,False,0.009282,0.043626,SOA_2015_VBT,SOA_Scale_MP2023,2.132,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009282,0.018,True,0.00991,1.0,False,,,,0.07,0.1191,False,normal_rate,6.36,0.81,False,False,False,False,False,0.773,48.5,51.8,super_preferred_longevity,100.0,baseline,1.235,0.464,True,67.7,False,,500000.0,30602.71,34371.25,32886.48,7810.54,False,0,4.38,-8.61
LI-2024-INS004-004060,2017-03-09,2,35,37,1982,female,current_smoker,29.6,66,183,OK,USA,single,some_college,professional,115913.31,0.675,non_med_guaranteed,138,79,209,67,3.12,87,,True,89.3,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,5,UW-015,1.75,whole_life,1000000,monthly,6200.76,,none,4262.5,,,True,facultative,independent_broker,False,True,False,0.003415,0.00891,SOA_2015_VBT,SOA_Scale_MP2023,1.871,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002561,0.02,False,,1.0,True,2025-07-14,voluntary_surrender,2.0,0.04,0.0464,False,normal_rate,3.81,0.99,False,False,False,False,False,0.844,62.6,55.0,super_preferred_longevity,100.0,baseline,0.994,0.714,False,,False,,995737.5,45674.15,49957.5,49606.08,11781.44,False,0,1.41,-8.2
LI-2024-INS004-004061,2001-02-19,25,43,68,1958,male,never_smoker,33.1,73,250,ME,USA,married,some_college,light_blue_collar,60931.0,0.3766,limited_exam,113,73,241,36,6.69,88,5.2,False,,5.26,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-089,2.0,term_life,500000,annual,5795.64,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.022367,0.08315,SOA_2015_VBT,SOA_Scale_MP2023,2.232,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022367,0.012,False,,1.0,False,,,,0.03,0.0587,False,normal_rate,2.41,1.11,False,False,False,False,False,0.79,45.2,20.2,standard_longevity,48.4,baseline,1.218,0.496,False,,False,,500000.0,49740.37,45665.59,46365.12,11011.72,False,0,1.12,-6.45
LI-2024-INS004-004062,2011-08-27,10,45,55,1966,male,unknown,20.5,63,115,MN,USA,married,bachelors,white_collar,41526.93,0.8387,full_paramedical,109,58,208,56,3.71,86,,False,78.2,1.73,False,False,True,False,False,none,,none,none,depression,16,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-226,1.25,term_life,1000000,quarterly,5751.77,30.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.009229,0.012974,SOA_2015_VBT,SOA_Scale_MP2023,1.327,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002307,0.015,False,,1.0,False,,,,0.05,0.072,False,normal_rate,3.19,2.4,False,False,False,False,False,0.766,49.5,39.5,super_preferred_longevity,94.3,baseline,0.871,0.818,False,,False,,1000000.0,50027.61,46240.22,46014.16,10928.36,False,0,1.08,17.53
LI-2024-INS004-004063,2014-11-27,7,23,30,1991,male,never_smoker,23.3,70,162,NE,USA,married,bachelors,white_collar,61396.05,0.5482,accelerated_UW,124,72,213,62,3.44,74,5.5,False,76.3,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,3,UW-349,2.25,annuity_deferred,500000,annual,2448.5,,none,1962.5,,,False,none,direct_to_consumer,True,False,False,0.00146,0.00544,SOA_2015_VBT,SOA_Scale_MP2023,2.274,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,False,,1.0,False,,,,0.02,0.0353,False,normal_rate,0.72,0.89,False,False,False,False,False,0.898,70.0,55.0,super_preferred_longevity,100.0,baseline,1.089,0.514,False,,False,,498037.5,20305.46,20105.84,19588.0,4652.15,False,0,1.81,-18.57
LI-2024-INS004-004064,2015-03-04,11,26,37,1989,female,never_smoker,22.7,67,145,PA,USA,divorced,bachelors,light_blue_collar,148047.94,0.7678,limited_exam,130,86,190,56,3.39,102,5.4,False,82.0,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,19,UW-474,0.77,term_life,250000,annual,662.56,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001707,0.001188,SOA_2015_VBT,SOA_Scale_MP2023,0.753,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0456,False,normal_rate,1.89,2.89,False,False,False,True,False,0.806,70.0,55.0,super_preferred_longevity,100.0,baseline,0.924,0.66,False,,False,,250000.0,5701.16,5379.01,5300.48,1258.86,False,0,5.34,27.28
LI-2024-INS004-004065,2017-06-21,2,57,59,1960,female,current_smoker,36.5,58,174,IN,USA,married,high_school,light_blue_collar,42750.37,0.7822,limited_exam,158,92,221,34,6.5,115,8.6,True,,,False,False,False,False,False,none,,type_2,mild_gold_1,schizophrenia,0,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,37,UW-364,2.75,whole_life,500000,monthly,7485.93,,none,5070.83,,,False,none,captive_agent,False,True,False,0.016637,0.073594,SOA_2015_VBT,SOA_Scale_MP2023,2.927,cancer,True,2017-10-05,True,False,122383.01,0.0007,5e-05,1.095,0.029115,0.015,False,,1.0,False,,,,0.04,0.043,False,normal_rate,5.26,2.55,False,False,False,False,False,0.804,37.3,43.4,super_preferred_longevity,89.3,baseline,0.913,0.625,True,95.6,False,,494929.17,64515.38,56823.99,59887.44,14223.27,False,0,0.55,-20.0
LI-2024-INS004-004066,2010-03-28,15,75,90,1935,male,never_smoker,29.5,62,161,OK,USA,married,graduate,white_collar,67909.29,0.4853,simplified_issue,151,105,249,59,4.22,75,5.1,False,50.4,10.07,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-403,2.0,indexed_ul,1000000,quarterly,17216.31,,15yr_declining,19693.31,,,True,facultative,bank,False,False,False,0.139568,0.488068,SOA_2015_VBT,SOA_Scale_MP2023,2.198,accident,True,2024-05-22,False,False,1679175.63,0.0007,5e-05,1.095,0.139568,0.005,False,,1.0,False,,,,0.04,0.0236,False,normal_rate,2.73,1.61,False,False,False,False,False,0.915,9.6,1.0,sub_standard_longevity,21.3,baseline,1.136,0.356,False,,False,,980306.69,7216.02,6343.4,6886.52,58879.78,False,0,5.93,-7.16
LI-2024-INS004-004067,2003-10-22,23,18,41,1985,female,never_smoker,33.0,71,236,KS,USA,married,high_school,light_blue_collar,122339.83,0.5025,full_paramedical,138,69,184,40,4.6,71,5.9,False,,,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-312,2.25,universal_life,250000,monthly,2094.86,,10yr_declining,3338.09,,,False,none,independent_broker,False,False,False,0.002209,0.00883,SOA_2015_VBT,SOA_Scale_MP2023,2.446,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002761,0.02,False,,1.0,False,,,,0.04,0.0519,False,normal_rate,4.54,0.83,False,False,False,False,False,0.902,70.0,47.5,super_preferred_longevity,91.3,baseline,1.123,0.376,False,,True,0.366,246661.91,17050.13,16737.43,16758.88,3980.23,False,0,3.78,-7.95
LI-2024-INS004-004068,2011-11-13,3,68,71,1943,female,never_smoker,32.4,58,154,AL,USA,single,less_than_hs,white_collar,118433.02,0.774,full_paramedical,136,87,251,48,5.23,104,7.2,False,72.9,,False,False,False,True,False,none,,type_2,none,none,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,24,UW-275,2.5,universal_life,500000,annual,7467.48,,10yr_declining,5003.95,1471.16,0.294,False,none,captive_agent,False,False,False,0.0212,0.084138,SOA_2015_VBT,SOA_Scale_MP2023,2.685,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031799,0.008,False,,1.0,False,,,,0.08,0.0233,False,normal_rate,2.8,2.4,False,False,False,False,False,0.773,23.2,20.2,standard_longevity,54.4,baseline,0.919,0.829,False,,False,,494996.05,65488.6,55498.41,59739.84,14188.21,False,0,-2.92,-14.15
LI-2024-INS004-004069,2010-04-09,13,48,61,1962,male,current_smoker,29.3,75,234,NV,USA,divorced,some_college,white_collar,163224.33,0.4589,full_paramedical,124,83,182,48,3.79,117,5.7,True,63.9,2.75,False,True,True,False,False,none,,none,mild_gold_1,none,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-174,2.0,whole_life,1000000,quarterly,10887.17,,none,11647.61,,,True,coinsurance,independent_broker,False,False,False,0.02541,0.090315,SOA_2015_VBT,SOA_Scale_MP2023,2.21,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02541,0.015,False,,1.0,False,,,,0.015,0.02,False,normal_rate,4.09,1.35,False,False,False,False,False,0.947,44.3,31.3,preferred_longevity,76.3,baseline,1.156,0.443,False,,False,,988352.39,85942.53,89751.85,87097.36,20685.62,False,0,0.24,-10.76
LI-2024-INS004-004070,2018-01-26,1,66,67,1952,female,never_smoker,32.0,61,169,ND,USA,married,graduate,professional,70917.52,0.3204,full_paramedical,149,97,227,53,4.28,101,,False,69.7,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-168,2.25,annuity_deferred,1000000,monthly,14384.03,,none,8941.79,,,True,coinsurance,captive_agent,False,False,False,0.015256,0.066596,SOA_2015_VBT,SOA_Scale_MP2023,2.473,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01907,0.012,False,,1.0,True,2026-02-08,voluntary_surrender,1.0,0.06,0.0866,False,normal_rate,5.22,2.29,False,False,False,False,False,0.991,25.0,24.3,standard_longevity,53.8,baseline,1.26,0.26,True,37.9,False,,991058.21,113885.08,113417.38,115072.24,27329.66,False,0,1.34,-6.92
LI-2024-INS004-004071,2003-07-06,8,44,52,1959,male,never_smoker,23.4,65,140,AK,USA,divorced,some_college,white_collar,36702.5,0.1513,full_paramedical,127,71,220,38,5.79,101,4.7,False,67.8,10.08,True,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-328,2.0,annuity_deferred,1000000,monthly,9850.91,,none,8169.21,,,True,none,direct_to_consumer,False,False,False,0.005845,0.022095,SOA_2015_VBT,SOA_Scale_MP2023,2.005,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005845,0.012,False,,1.0,False,,,,0.02,0.0442,False,normal_rate,6.08,2.1,False,False,False,False,False,0.955,43.4,35.4,preferred_longevity,67.9,baseline,1.387,0.02,False,,False,,991830.79,79486.87,68649.63,78807.28,18716.73,False,0,4.39,-10.84
LI-2024-INS004-004072,2000-09-19,15,73,88,1927,female,former_smoker,27.8,59,137,MS,USA,married,high_school,light_blue_collar,35293.16,0.5358,full_paramedical,122,77,245,59,4.15,79,4.8,False,55.4,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-091,2.25,annuity_immediate,250000,monthly,3569.66,,none,,,,False,none,independent_broker,False,False,False,0.090279,0.351677,SOA_2015_VBT,SOA_Scale_MP2023,2.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.112849,0.012,False,,1.0,False,,,,0.002,0.005,False,normal_rate,1.92,0.82,False,False,False,False,False,0.964,15.2,1.0,sub_standard_longevity,22.0,baseline,1.098,0.581,False,,False,,250000.0,1334.62,1355.77,1427.86,12208.24,False,0,4.12,-10.96
LI-2024-INS004-004073,2024-06-20,3,74,77,1950,female,never_smoker,28.1,67,179,MO,USA,married,some_college,heavy_blue_collar,51048.69,0.8948,full_paramedical,127,81,222,61,3.64,87,4.9,False,94.5,,False,False,False,False,True,lung,5.9,none,none,depression,5,False,False,False,False,True,declined,,,False,False,True,False,48,UW-460,7.0,universal_life,100000,quarterly,4770.95,,15yr_declining,3264.12,,,False,none,independent_broker,False,False,False,0.035646,0.442808,SOA_2015_VBT,SOA_Scale_MP2023,7.748,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.213877,0.012,False,,1.0,False,,,,0.08,0.0354,False,normal_rate,4.52,1.08,False,False,False,False,False,0.968,19.0,16.4,standard_longevity,50.5,baseline,0.829,0.799,True,41.5,False,,96735.88,32073.7,29803.06,31297.43,10438.84,False,0,-5.0,-20.0
LI-2024-INS004-004074,2001-02-12,23,49,72,1952,female,never_smoker,34.6,59,171,RI,USA,single,bachelors,white_collar,58656.78,0.6031,accelerated_UW,144,81,288,55,5.24,110,5.3,False,52.6,,True,True,False,False,False,none,,none,none,schizophrenia,4,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,31,UW-390,2.25,annuity_deferred,500000,annual,7698.97,,none,11663.23,,,True,quota_share,independent_broker,False,False,False,0.023597,0.08878,SOA_2015_VBT,SOA_Scale_MP2023,2.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.029496,0.012,False,,1.0,False,,,,0.01,0.0122,False,normal_rate,4.01,1.51,False,False,False,False,False,0.76,43.2,20.2,standard_longevity,51.8,baseline,1.048,0.515,False,,False,,488336.77,61211.48,59081.4,61591.76,14628.04,False,0,0.1,-16.17
LI-2024-INS004-004075,2016-03-15,2,69,71,1947,male,never_smoker,27.1,69,183,ID,USA,married,bachelors,professional,72984.98,0.6184,full_paramedical,121,74,193,45,4.29,87,,False,,6.47,False,False,False,False,True,prostate,12.7,none,none,none,4,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,32,UW-352,1.25,whole_life,250000,monthly,1865.81,,none,1254.16,,,False,none,direct_to_consumer,False,False,False,0.027365,0.049204,SOA_2015_VBT,SOA_Scale_MP2023,1.494,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006841,0.008,False,,1.0,False,,,,0.04,0.0675,False,normal_rate,3.28,2.79,False,False,False,False,False,0.916,18.2,16.7,standard_longevity,46.8,baseline,1.036,0.449,True,43.6,False,,248745.84,13076.34,11343.69,12463.61,4037.61,False,0,-0.1,10.93
LI-2024-INS004-004076,2006-04-01,4,63,67,1943,male,never_smoker,28.8,64,167,CA,USA,married,high_school,white_collar,26555.76,0.2127,full_paramedical,125,77,260,54,4.81,93,,False,52.0,6.4,True,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,preferred_plus,,,False,False,False,False,21,UW-006,0.61,indexed_ul,2000000,semi_annual,7490.83,,15yr_declining,5049.68,,,True,quota_share,independent_broker,False,False,False,0.018697,0.016566,SOA_2015_VBT,SOA_Scale_MP2023,0.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.08,0.0771,False,normal_rate,2.5,2.3,False,False,False,False,False,0.77,21.9,17.9,standard_longevity,42.5,baseline,1.34,0.225,False,,False,,1994950.32,49147.38,49379.91,53634.34,15491.04,False,0,7.36,24.27
LI-2024-INS004-004077,2020-02-10,5,34,39,1986,male,former_smoker,35.3,71,253,MI,USA,single,some_college,white_collar,41617.36,0.7277,full_paramedical,120,73,208,37,5.62,94,5.4,False,85.7,,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-236,2.0,whole_life,1000000,semi_annual,7244.6,,none,5188.99,,,True,none,captive_agent,False,True,False,0.003145,0.012169,SOA_2015_VBT,SOA_Scale_MP2023,2.124,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003145,0.02,True,0.00265,1.0,False,,,,0.04,0.0447,False,normal_rate,2.83,2.03,False,False,False,False,False,0.878,63.4,55.0,super_preferred_longevity,100.0,baseline,0.954,0.782,False,,False,,994811.01,59869.19,50904.92,57956.8,13764.74,False,0,0.32,-6.59
LI-2024-INS004-004078,2002-01-01,22,63,85,1939,female,former_smoker,23.6,59,117,NC,USA,married,high_school,light_blue_collar,107311.28,0.3159,full_paramedical,128,85,281,46,6.11,80,4.9,False,74.6,,False,True,False,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,standard,,,False,True,False,False,3,UW-242,1.0,universal_life,500000,monthly,4043.61,,15yr_declining,6020.48,,,False,none,independent_broker,True,False,False,0.09729,0.132593,SOA_2015_VBT,SOA_Scale_MP2023,1.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.04,0.0579,False,normal_rate,3.61,0.53,False,False,False,False,False,0.806,25.5,3.5,sub_standard_longevity,22.5,baseline,1.263,0.172,False,,False,,493979.52,5665.35,5296.72,5661.05,13020.42,False,0,6.21,23.92
LI-2024-INS004-004079,2012-11-03,11,29,40,1983,male,unknown,29.1,67,185,MO,USA,married,bachelors,professional,65699.22,0.4829,full_paramedical,120,73,227,45,5.04,104,,False,,1.41,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,6,UW-002,1.25,whole_life,1000000,quarterly,4585.6,,none,4493.53,,,True,quota_share,captive_agent,False,False,False,0.00297,0.005017,SOA_2015_VBT,SOA_Scale_MP2023,1.265,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000743,0.02,False,,1.0,False,,,,0.015,0.0197,False,normal_rate,3.29,0.85,False,False,False,False,False,0.901,64.0,53.0,super_preferred_longevity,99.2,baseline,1.138,0.609,False,,False,,995506.47,33224.65,38023.42,36684.8,8712.64,False,0,4.12,15.92
LI-2024-INS004-004080,2023-04-17,4,25,29,1998,male,former_smoker,41.0,63,231,TN,USA,divorced,some_college,professional,120068.63,0.4866,limited_exam,130,81,247,52,4.75,94,5.4,False,98.7,,True,False,False,False,False,none,,none,none,schizophrenia,15,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-090,2.25,term_life,1000000,annual,5851.91,20.0,none,,,,True,none,captive_agent,False,False,False,0.001812,0.006912,SOA_2015_VBT,SOA_Scale_MP2023,2.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002265,0.022,False,,1.0,False,,,,0.07,0.0918,False,normal_rate,4.91,0.87,False,False,False,False,False,0.913,70.0,55.0,super_preferred_longevity,100.0,baseline,1.135,0.468,False,,False,,1000000.0,51256.64,46897.57,46815.28,11118.63,False,0,2.1,-14.97
LI-2024-INS004-004081,2015-07-04,7,44,51,1971,male,current_smoker,31.0,70,216,MS,USA,married,high_school,heavy_blue_collar,34309.96,0.8169,full_paramedical,147,93,160,54,2.96,94,,True,63.6,1.58,False,False,False,False,False,none,,none,severe_gold_3,bipolar,0,False,False,False,False,False,substandard_table_9,0.83,9.0,False,False,False,False,25,UW-122,3.25,term_life,250000,annual,3373.51,30.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.011602,0.065564,SOA_2015_VBT,SOA_Scale_MP2023,3.833,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026104,0.018,False,,1.0,False,,,,0.05,0.0733,False,normal_rate,3.75,0.88,False,False,False,False,False,0.848,48.4,41.4,super_preferred_longevity,86.9,baseline,0.887,0.704,False,,False,,250000.0,26826.98,24160.52,26988.08,6409.67,False,0,-0.87,-20.0
LI-2024-INS004-004082,2006-06-10,21,24,45,1982,female,never_smoker,37.2,71,266,IN,USA,single,bachelors,white_collar,122163.37,0.6781,full_paramedical,143,83,182,41,4.44,115,6.3,False,63.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-245,1.5,annuity_deferred,250000,monthly,1432.04,,none,2003.18,,,False,none,direct_to_consumer,False,False,False,0.00293,0.005892,SOA_2015_VBT,SOA_Scale_MP2023,1.524,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001465,0.02,False,,1.0,False,,,,0.01,0.0162,False,normal_rate,2.8,1.1,False,False,False,False,False,0.76,70.0,53.8,super_preferred_longevity,100.0,baseline,0.991,0.924,True,63.2,False,,247996.82,11544.62,9870.53,11456.32,2720.88,False,0,2.05,12.34
LI-2024-INS004-004083,2008-04-09,10,67,77,1941,male,never_smoker,31.5,69,213,IN,USA,married,bachelors,heavy_blue_collar,36980.76,0.8357,full_paramedical,128,75,162,43,3.77,114,6.0,False,89.4,4.7,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,1.27,,False,False,False,False,24,UW-397,0.76,indexed_ul,250000,quarterly,1306.01,,10yr_declining,1195.88,,,False,none,independent_broker,False,False,False,0.04404,0.031189,SOA_2015_VBT,SOA_Scale_MP2023,0.811,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0278,False,normal_rate,4.72,1.78,False,False,False,False,False,1.0,20.1,10.1,standard_longevity,40.2,baseline,0.873,0.823,False,,False,,248804.12,4987.56,4774.14,5276.28,3515.78,False,0,3.02,32.69
LI-2024-INS004-004084,2019-08-06,8,44,52,1975,female,never_smoker,34.0,65,204,NJ,USA,married,bachelors,light_blue_collar,47087.58,0.6792,full_paramedical,128,80,219,28,7.82,90,5.7,False,80.5,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-112,1.5,universal_life,500000,quarterly,3562.52,,15yr_declining,2849.23,,,False,none,independent_broker,True,False,False,0.005027,0.010367,SOA_2015_VBT,SOA_Scale_MP2023,1.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002514,0.018,False,,1.0,False,,,,0.06,0.0312,False,normal_rate,1.83,0.73,False,False,False,False,False,0.853,52.4,44.4,super_preferred_longevity,89.3,baseline,0.991,0.626,False,,False,,497150.77,31244.26,28028.3,28500.16,6768.79,False,0,1.13,3.75
LI-2024-INS004-004085,2002-12-22,5,70,75,1932,male,former_smoker,31.7,73,240,NV,USA,married,some_college,professional,120485.01,0.5004,limited_exam,142,86,287,36,7.97,105,5.0,False,50.8,2.18,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-362,1.5,term_life,1000000,semi_annual,10347.37,10.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.049418,0.118195,SOA_2015_VBT,SOA_Scale_MP2023,1.682,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.024709,0.005,False,,1.0,True,2025-09-23,voluntary_surrender,5.0,0.07,0.091,False,normal_rate,4.23,2.85,False,False,False,False,False,0.834,14.2,9.2,sub_standard_longevity,33.8,baseline,1.125,0.423,False,,False,,1000000.0,38941.89,36888.97,38078.32,28600.13,False,0,3.75,4.49
LI-2024-INS004-004086,2005-02-28,6,75,81,1930,female,never_smoker,32.3,63,182,RI,USA,married,bachelors,heavy_blue_collar,40459.14,0.8575,accelerated_UW,127,85,222,53,4.19,70,5.3,False,89.6,,True,False,True,True,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_6,0.72,6.0,False,False,False,True,57,UW-097,2.5,whole_life,250000,quarterly,3928.39,,none,3223.45,,,False,none,worksite,True,False,False,0.050739,0.193714,SOA_2015_VBT,SOA_Scale_MP2023,2.705,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.076108,0.005,False,,1.0,False,,,,0.02,0.0203,False,normal_rate,5.12,0.74,False,False,False,False,False,0.915,17.3,11.3,standard_longevity,52.3,baseline,0.857,0.794,False,,False,,246776.55,16296.7,15278.07,17756.32,10198.1,False,0,2.78,-19.27
LI-2024-INS004-004087,2007-08-17,7,78,85,1929,male,current_smoker,19.6,68,128,KS,USA,married,bachelors,heavy_blue_collar,70176.08,0.6038,simplified_issue,136,90,175,65,2.69,79,4.7,True,61.6,8.48,True,False,False,False,True,prostate,0.5,none,moderate_gold_2,none,3,False,False,False,False,True,standard,1.27,,False,True,False,False,33,UW-462,1.0,annuity_deferred,100000,semi_annual,656.54,,none,516.69,,,True,quota_share,bank,True,False,False,0.138012,0.154346,SOA_2015_VBT,SOA_Scale_MP2023,1.068,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0243,False,normal_rate,3.24,1.52,False,False,False,False,False,0.934,6.7,1.0,sub_standard_longevity,23.1,baseline,1.047,0.465,False,,False,,99483.31,281.52,249.71,262.62,2245.37,False,0,0.78,16.0
LI-2024-INS004-004088,2023-01-05,4,27,31,1996,male,never_smoker,27.1,61,143,ME,USA,single,graduate,professional,30638.07,0.7767,limited_exam,127,80,151,43,3.51,103,5.3,False,,,False,True,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-372,1.25,universal_life,100000,annual,291.19,,10yr_declining,192.98,,,False,none,captive_agent,False,False,False,0.001532,0.002417,SOA_2015_VBT,SOA_Scale_MP2023,1.447,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000383,0.022,False,,1.0,False,,,,0.08,0.0388,False,normal_rate,3.16,1.19,False,False,False,False,False,0.901,70.0,64.0,super_preferred_longevity,100.0,baseline,0.917,0.638,True,80.1,False,,99807.02,2536.55,2116.32,2329.52,553.26,False,0,3.36,18.01
LI-2024-INS004-004089,2019-12-07,7,53,60,1966,male,never_smoker,26.2,76,215,UT,USA,married,bachelors,white_collar,418790.3,0.9632,full_paramedical,114,78,250,52,4.81,97,,False,81.6,2.84,False,False,True,False,False,none,,none,none,none,6,False,False,False,False,False,preferred_plus,,,False,False,False,False,21,UW-364,0.68,universal_life,1000000,quarterly,2972.82,,15yr_declining,2413.87,,,True,excess_of_loss,captive_agent,False,False,False,0.012208,0.006626,SOA_2015_VBT,SOA_Scale_MP2023,0.698,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0251,False,normal_rate,5.47,1.62,False,False,False,False,False,0.991,42.0,35.0,super_preferred_longevity,89.4,baseline,0.778,0.82,False,,False,,997586.13,21640.25,21534.12,23782.56,5648.36,False,0,1.24,28.55
LI-2024-INS004-004090,2013-01-25,14,71,85,1942,female,never_smoker,35.1,68,230,AR,USA,married,some_college,professional,86085.02,0.4217,limited_exam,149,97,297,35,8.49,121,4.6,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,3,UW-408,1.75,term_life,500000,monthly,6667.4,20.0,none,,,,False,none,captive_agent,False,False,False,0.070875,0.207275,SOA_2015_VBT,SOA_Scale_MP2023,1.837,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.053156,0.008,False,,1.0,False,,,,0.03,0.0409,False,normal_rate,4.15,0.83,False,False,False,False,False,0.939,18.6,4.8,sub_standard_longevity,26.0,baseline,1.184,0.199,True,44.5,False,,500000.0,11651.09,11037.96,12801.41,20775.62,False,0,5.4,-2.13
LI-2024-INS004-004091,2015-10-28,10,61,71,1954,male,never_smoker,34.0,73,257,NE,USA,single,high_school,heavy_blue_collar,20000.0,0.6654,full_paramedical,134,91,185,52,3.56,117,5.1,False,77.4,18.63,False,False,False,False,False,none,,none,none,depression,5,False,False,True,False,True,substandard_table_1,1.5,1.0,False,False,False,False,54,UW-497,1.25,universal_life,500000,monthly,3270.1,,15yr_declining,3040.79,,,False,none,employer_group,True,False,False,0.027689,0.042065,SOA_2015_VBT,SOA_Scale_MP2023,1.268,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006922,0.012,False,,1.0,False,,,,0.06,0.0378,False,normal_rate,3.54,2.26,False,False,False,False,False,0.76,27.7,17.7,standard_longevity,49.0,baseline,1.001,0.722,False,,False,,496959.21,24157.93,22138.84,23152.31,6814.89,False,0,4.39,19.87
LI-2024-INS004-004092,2003-10-17,6,31,37,1972,female,never_smoker,27.7,71,198,MI,USA,widowed,high_school,white_collar,39794.24,0.4137,non_med_guaranteed,124,82,160,59,2.71,93,5.0,False,95.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,4,UW-111,0.64,universal_life,5000000,monthly,10458.43,,10yr_declining,8262.48,,,True,coinsurance,independent_broker,False,False,False,0.001707,0.001223,SOA_2015_VBT,SOA_Scale_MP2023,0.602,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.037,False,normal_rate,2.04,2.42,False,False,False,False,False,0.845,63.9,61.8,super_preferred_longevity,100.0,baseline,1.19,0.252,True,70.1,False,,4991737.52,87721.36,78565.28,83667.44,19871.02,False,0,3.19,27.17
LI-2024-INS004-004093,2009-12-06,6,31,37,1978,female,never_smoker,29.2,61,154,ID,USA,single,graduate,white_collar,28730.42,0.9238,full_paramedical,122,73,177,46,3.85,81,5.3,False,75.2,,True,True,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-010,1.25,term_life,100000,semi_annual,384.28,15.0,none,,,,False,none,captive_agent,False,False,False,0.001707,0.002236,SOA_2015_VBT,SOA_Scale_MP2023,1.313,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000427,0.018,False,,1.0,False,,,,0.05,0.048,False,normal_rate,1.31,1.97,False,False,False,False,False,0.985,69.8,55.0,super_preferred_longevity,100.0,baseline,0.807,0.929,False,,False,,100000.0,3023.68,3050.49,3074.24,730.13,False,0,0.27,10.69
LI-2024-INS004-004094,2018-12-05,8,71,79,1947,male,former_smoker,34.3,66,212,MS,USA,married,some_college,professional,107325.39,0.7243,non_med_guaranteed,145,84,203,48,4.23,97,5.6,False,71.4,3.13,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-341,2.25,whole_life,500000,monthly,7774.81,,none,6349.59,,,False,none,direct_to_consumer,False,False,False,0.071501,0.246446,SOA_2015_VBT,SOA_Scale_MP2023,2.296,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.089376,0.008,False,,1.0,False,,,,0.02,0.0314,False,normal_rate,2.22,2.26,False,False,False,False,False,0.761,16.6,8.6,standard_longevity,36.3,baseline,0.957,0.771,False,,False,,493650.41,25789.47,25049.81,26745.35,21862.77,False,0,0.19,-11.54
LI-2024-INS004-004095,2016-10-04,5,19,24,1997,female,former_smoker,26.7,58,127,OK,USA,married,bachelors,professional,49263.96,0.2832,full_paramedical,96,65,177,46,3.85,113,5.6,False,116.2,,False,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,60,UW-470,2.25,universal_life,500000,annual,2251.37,,10yr_declining,1702.09,,,False,none,captive_agent,False,False,False,0.001186,0.005143,SOA_2015_VBT,SOA_Scale_MP2023,2.396,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001483,0.022,False,,1.0,True,2026-01-28,voluntary_surrender,5.0,0.08,0.0743,False,normal_rate,3.45,1.14,False,False,False,False,False,0.768,70.0,55.0,super_preferred_longevity,99.2,baseline,1.288,0.482,False,,False,,498297.91,18693.54,17147.63,18010.96,4277.6,False,0,0.97,-18.02
LI-2024-INS004-004096,2015-05-10,2,32,34,1983,female,former_smoker,26.3,69,178,LA,USA,married,some_college,heavy_blue_collar,36273.64,0.6614,full_paramedical,116,73,169,61,2.77,104,5.4,False,87.5,,False,False,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,0.79,5.0,False,False,False,False,3,UW-161,2.25,term_life,5000000,monthly,31784.23,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001864,0.006543,SOA_2015_VBT,SOA_Scale_MP2023,2.251,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00233,0.02,False,,1.0,False,,,,0.07,0.082,False,normal_rate,2.28,1.08,False,False,False,False,False,0.774,68.7,55.0,super_preferred_longevity,100.0,baseline,1.004,0.714,False,,False,,5000000.0,242704.68,229958.82,254273.84,60390.04,False,0,1.02,-9.72
LI-2024-INS004-004097,2017-11-17,3,72,75,1945,male,former_smoker,20.5,71,146,NV,USA,single,high_school,white_collar,189158.3,0.5191,full_paramedical,141,78,255,43,5.93,85,5.8,False,57.8,4.49,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-059,1.25,term_life,1000000,monthly,8417.72,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.049654,0.090671,SOA_2015_VBT,SOA_Scale_MP2023,1.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012414,0.008,False,,1.0,True,2025-08-08,non_payment,3.0,0.07,0.1079,False,normal_rate,4.77,1.18,False,False,False,False,False,0.827,14.5,11.5,standard_longevity,37.5,baseline,1.111,0.571,False,,False,,1000000.0,38086.92,37746.11,38721.51,21717.72,False,0,2.55,13.95
LI-2024-INS004-004098,2021-05-06,1,26,27,1995,female,never_smoker,30.1,60,154,LA,USA,single,graduate,professional,20000.0,0.4098,full_paramedical,129,87,194,58,3.34,107,5.2,False,112.7,,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-277,2.25,term_life,1000000,quarterly,4708.65,20.0,none,,,,True,facultative,worksite,False,False,False,0.001023,0.007133,SOA_2015_VBT,SOA_Scale_MP2023,2.457,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001279,0.022,True,0.00286,1.0,False,,,,0.1,0.1372,False,normal_rate,1.03,2.5,False,False,False,False,False,0.756,70.0,55.0,super_preferred_longevity,100.0,baseline,1.193,0.372,False,,False,,1000000.0,34306.86,36356.01,37669.2,8946.43,False,0,0.17,-20.0
LI-2024-INS004-004099,2001-10-22,19,33,52,1968,male,former_smoker,23.1,66,142,CT,USA,widowed,graduate,white_collar,76268.93,0.6745,simplified_issue,107,69,187,62,3.02,101,,False,100.8,5.75,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,14,UW-391,0.76,universal_life,1000000,monthly,3609.62,,10yr_declining,4890.36,,,True,quota_share,worksite,False,False,False,0.00817,0.006554,SOA_2015_VBT,SOA_Scale_MP2023,0.807,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0464,False,normal_rate,4.74,0.95,False,False,False,False,False,0.994,58.1,39.1,super_preferred_longevity,81.3,baseline,0.994,0.7,False,,False,,995109.64,29079.59,27558.18,28876.96,6858.28,False,0,2.69,21.24
LI-2024-INS004-004100,2024-04-01,1,54,55,1970,male,never_smoker,22.5,65,135,SD,USA,widowed,high_school,white_collar,20000.0,0.8966,full_paramedical,127,73,176,49,3.59,63,5.0,False,75.6,4.15,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-160,1.25,term_life,1000000,quarterly,5328.06,30.0,none,,,,True,none,worksite,False,False,False,0.008025,0.010966,SOA_2015_VBT,SOA_Scale_MP2023,1.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002006,0.018,False,,1.0,False,,,,0.1,0.0983,False,normal_rate,4.14,1.06,False,False,False,False,False,0.999,38.5,37.5,super_preferred_longevity,82.2,baseline,0.828,0.829,False,,False,,1000000.0,38710.82,38118.78,42624.48,10123.31,False,0,4.72,10.8
LI-2024-INS004-004101,2006-07-22,19,20,39,1986,male,never_smoker,25.4,76,208,WY,USA,single,some_college,professional,82032.95,0.4275,full_paramedical,133,80,178,47,3.79,89,5.8,False,102.5,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,,,False,False,False,False,25,UW-199,1.02,annuity_deferred,500000,monthly,1887.43,,none,2456.46,,,False,none,direct_to_consumer,False,False,False,0.002419,0.003016,SOA_2015_VBT,SOA_Scale_MP2023,1.04,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,4.8e-05,0.02,False,,1.0,False,,,,0.01,0.019,False,normal_rate,2.58,1.45,True,False,False,False,False,0.775,70.0,51.0,super_preferred_longevity,95.4,baseline,1.179,0.524,False,,False,,497543.54,14874.41,14094.73,15099.44,3586.12,False,0,3.11,16.06
LI-2024-INS004-004102,2014-09-05,2,58,60,1956,non_binary,never_smoker,28.9,68,189,OR,USA,married,high_school,professional,53757.43,0.8097,full_paramedical,99,52,201,54,3.72,127,5.0,False,72.2,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,preferred_plus,,,False,False,False,False,25,UW-257,0.63,term_life,250000,annual,728.49,30.0,none,,,,False,none,independent_broker,False,False,False,0.009856,0.004971,SOA_2015_VBT,SOA_Scale_MP2023,0.565,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0737,False,normal_rate,3.9,1.43,False,False,False,True,False,0.952,31.6,29.6,preferred_longevity,69.0,baseline,0.893,0.754,False,,False,,250000.0,5855.42,5587.85,5827.92,1384.13,False,0,-0.47,33.58
LI-2024-INS004-004103,2015-09-28,12,79,91,1936,female,former_smoker,25.4,68,166,AK,USA,divorced,less_than_hs,white_collar,62455.16,0.5329,full_paramedical,148,90,211,40,5.28,84,4.4,False,62.0,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-050,2.25,term_life,100000,annual,1884.61,10.0,none,,,,False,none,captive_agent,False,False,False,0.158394,0.601983,SOA_2015_VBT,SOA_Scale_MP2023,2.318,cardiovascular,True,2017-07-23,True,False,1442304.56,0.0007,5e-05,1.095,0.197992,0.005,False,,1.0,False,,,,0.03,0.0382,False,normal_rate,2.52,2.26,False,False,False,False,False,0.993,9.9,1.0,sub_standard_longevity,22.0,baseline,1.1,0.727,False,,False,,100000.0,710.81,712.59,753.84,6445.37,False,0,1.42,-15.38
LI-2024-INS004-004104,2009-07-23,2,69,71,1940,female,never_smoker,26.9,60,137,MD,USA,single,bachelors,light_blue_collar,126955.04,0.8095,full_paramedical,124,73,203,47,4.32,86,5.3,False,66.3,,False,True,False,False,True,breast,1.6,none,none,anxiety,1,False,False,False,True,True,standard,,,False,True,False,False,51,UW-377,1.0,term_life,250000,annual,1450.57,15.0,none,,,,False,none,independent_broker,False,False,False,0.020695,0.019032,SOA_2015_VBT,SOA_Scale_MP2023,1.03,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0737,False,normal_rate,4.02,1.93,False,False,False,False,False,0.948,21.9,19.9,standard_longevity,54.5,baseline,0.893,0.696,False,,False,,250000.0,12033.04,11255.97,11546.54,2767.69,False,0,5.44,18.83
LI-2024-INS004-004105,2003-07-02,23,63,86,1940,female,never_smoker,27.8,72,205,VT,USA,single,some_college,professional,41410.23,0.8821,limited_exam,133,96,284,69,4.12,74,5.9,False,58.4,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-430,1.5,term_life,500000,annual,5649.28,15.0,none,,,,True,quota_share,employer_group,False,False,False,0.075933,0.143841,SOA_2015_VBT,SOA_Scale_MP2023,1.663,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037967,0.008,False,,1.0,False,,,,0.03,0.0358,False,normal_rate,3.57,0.69,False,False,False,False,False,0.822,28.2,4.5,sub_standard_longevity,32.5,baseline,0.838,0.969,False,,True,-0.454,500000.0,9246.23,9818.38,10168.7,17738.74,False,0,1.97,13.36
LI-2024-INS004-004106,2020-04-03,4,68,72,1952,male,never_smoker,22.3,75,178,LA,USA,divorced,some_college,professional,21945.16,0.802,accelerated_UW,127,82,208,52,4.0,65,5.0,False,64.9,7.47,True,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,True,17,UW-151,0.59,whole_life,500000,annual,1894.83,,none,1394.82,,,True,facultative,independent_broker,False,False,False,0.029496,0.0215,SOA_2015_VBT,SOA_Scale_MP2023,0.693,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00313,1.0,False,,,,0.04,0.0423,False,normal_rate,2.44,1.72,False,False,False,False,False,0.844,24.0,23.0,preferred_longevity,69.0,baseline,0.898,0.936,True,77.3,False,,498605.18,14216.33,13761.5,15158.64,3600.18,False,0,6.04,28.93
LI-2024-INS004-004107,2003-09-14,21,71,92,1932,male,never_smoker,36.1,62,197,UT,USA,single,bachelors,hazardous,43228.5,0.9733,non_med_guaranteed,152,92,250,54,4.63,117,5.2,False,57.4,20.0,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,3.57,2.0,True,False,False,False,20,UW-132,1.5,universal_life,2000000,annual,25968.14,,15yr_declining,38086.18,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.161967,0.283527,SOA_2015_VBT,SOA_Scale_MP2023,1.624,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.080984,0.005,False,,1.0,False,,,,0.04,0.0516,False,normal_rate,3.38,0.93,False,False,False,False,False,0.919,15.1,1.0,sub_standard_longevity,28.6,baseline,0.77,0.965,False,,False,,1961913.82,10904.06,10334.35,10387.26,88811.04,False,0,0.75,6.44
LI-2024-INS004-004108,2000-02-02,26,80,106,1920,male,former_smoker,24.6,68,161,NY,USA,single,bachelors,professional,109657.74,0.6363,simplified_issue,143,84,248,34,7.29,85,,False,,13.02,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-228,2.25,whole_life,250000,monthly,5418.9,,none,9533.61,,,False,none,employer_group,False,False,False,0.399779,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.352,other,True,2002-08-23,False,False,596401.49,0.0007,5e-05,1.095,0.499723,0.012,False,,1.0,False,,,,0.015,0.0214,False,normal_rate,2.99,1.37,False,False,False,False,False,0.957,5.0,1.0,sub_standard_longevity,23.5,baseline,1.023,0.666,False,,False,,240466.39,2271.53,1856.1,2167.56,18532.64,False,0,-0.41,-8.94
LI-2024-INS004-004109,2020-11-21,3,34,37,1986,female,never_smoker,29.0,71,207,WY,USA,divorced,high_school,light_blue_collar,48311.63,0.4335,limited_exam,92,61,188,42,4.48,101,4.7,False,103.5,,False,False,False,False,False,none,,none,none,none,12,False,False,False,False,False,preferred_plus,,,False,False,False,False,8,UW-290,0.63,universal_life,250000,annual,503.98,,15yr_declining,344.89,,,False,none,employer_group,False,False,False,0.001707,0.006756,SOA_2015_VBT,SOA_Scale_MP2023,0.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00545,1.0,False,,,,0.08,0.0585,False,normal_rate,4.89,2.76,False,False,False,False,False,0.797,63.2,55.0,super_preferred_longevity,100.0,baseline,1.175,0.508,False,,False,,249655.11,3686.34,3764.9,4031.84,957.56,False,0,6.31,26.97
LI-2024-INS004-004110,2001-10-01,16,71,87,1930,male,never_smoker,29.2,65,175,VT,USA,married,some_college,light_blue_collar,90042.35,0.9625,full_paramedical,148,98,223,50,4.46,98,,False,74.1,11.95,True,False,False,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,36,UW-051,2.5,term_life,500000,quarterly,10056.41,20.0,none,,,,False,none,independent_broker,False,False,False,0.105946,0.367902,SOA_2015_VBT,SOA_Scale_MP2023,2.535,cardiovascular,True,2006-07-23,False,False,400864.34,0.0007,5e-05,1.095,0.158919,0.005,False,,1.0,False,,,,0.03,0.0279,False,normal_rate,2.44,0.59,False,False,False,False,False,0.918,14.8,1.2,sub_standard_longevity,28.7,baseline,0.778,0.921,True,82.0,False,,500000.0,4809.75,4524.64,4827.08,34232.02,False,0,1.13,-11.07
LI-2024-INS004-004111,2018-04-10,3,78,81,1940,female,never_smoker,29.2,68,191,CT,USA,divorced,graduate,professional,43622.67,0.1431,full_paramedical,146,88,199,42,4.74,94,5.0,False,71.8,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-057,2.25,group_life,500000,monthly,8695.56,,none,,,,False,none,bank,True,False,False,0.049468,0.22525,SOA_2015_VBT,SOA_Scale_MP2023,2.372,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.061835,0.008,False,,1.0,False,,,,0.15,0.333,False,normal_rate,2.96,2.36,False,False,False,False,False,0.873,10.2,7.2,sub_standard_longevity,25.4,baseline,1.393,0.251,False,,False,,500000.0,24768.98,24493.72,25043.21,25425.82,False,0,0.93,-20.0
LI-2024-INS004-004112,2003-03-17,23,61,84,1942,female,never_smoker,30.6,68,201,OK,USA,single,some_college,white_collar,73602.26,0.4535,full_paramedical,162,104,229,52,4.4,88,,False,71.4,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,True,True,True,substandard_table_4,,4.0,False,False,False,False,28,UW-481,2.0,whole_life,250000,quarterly,3041.96,,none,4832.84,,,True,facultative,captive_agent,False,False,False,0.065074,0.225389,SOA_2015_VBT,SOA_Scale_MP2023,2.124,cancer,True,2019-03-21,False,False,1028896.56,0.0007,5e-05,1.095,0.065074,0.008,False,,1.0,False,,,,0.015,0.0201,False,normal_rate,4.18,2.35,False,False,False,False,False,0.855,28.8,5.8,sub_standard_longevity,28.0,baseline,1.16,0.442,False,,False,,245167.16,6978.43,6757.22,7057.35,9235.39,False,0,5.38,-10.62
LI-2024-INS004-004113,2013-01-09,9,20,29,1993,male,former_smoker,21.0,67,134,OK,USA,single,some_college,professional,58904.95,0.6594,limited_exam,119,75,198,52,3.81,99,,False,,,True,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,42,UW-386,1.25,whole_life,2000000,monthly,6358.89,,none,5579.87,,,True,quota_share,worksite,False,False,False,0.001812,0.002833,SOA_2015_VBT,SOA_Scale_MP2023,1.306,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000453,0.022,False,,1.0,False,,,,0.02,0.0234,False,normal_rate,2.76,0.64,False,False,False,False,False,0.898,70.0,57.1,super_preferred_longevity,100.0,baseline,1.005,0.543,True,45.6,False,,1994420.13,45892.8,51822.25,50871.12,12081.89,False,0,4.02,10.94
LI-2024-INS004-004114,2017-11-03,1,37,38,1980,male,never_smoker,22.2,76,182,MS,USA,married,bachelors,white_collar,33778.4,0.756,full_paramedical,125,84,176,65,2.71,107,4.4,False,101.3,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-138,1.25,term_life,500000,annual,2021.38,30.0,none,,,,False,none,independent_broker,True,False,False,0.00227,0.003741,SOA_2015_VBT,SOA_Scale_MP2023,1.498,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.02,False,,1.0,False,,,,0.1,0.1095,False,normal_rate,5.11,1.54,False,False,False,False,False,0.774,56.6,55.0,super_preferred_longevity,100.0,baseline,0.933,0.677,False,,False,,500000.0,14872.85,15210.84,16171.04,3840.62,False,0,0.46,15.28
LI-2024-INS004-004115,2012-12-21,14,48,62,1964,female,former_smoker,33.8,61,179,MT,USA,married,high_school,professional,41439.65,0.7983,full_paramedical,142,90,205,61,3.36,91,4.6,False,77.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,9,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-048,2.25,term_life,250000,monthly,2692.89,30.0,none,,,,False,none,independent_broker,False,False,False,0.014836,0.051731,SOA_2015_VBT,SOA_Scale_MP2023,2.482,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018545,0.015,False,,1.0,True,2025-06-16,non_payment,14.0,0.03,0.0318,False,normal_rate,3.52,1.62,False,False,False,False,False,0.914,47.0,33.0,preferred_longevity,74.0,baseline,0.901,0.91,False,,False,,250000.0,23496.4,21887.68,21543.12,5116.49,False,0,5.11,-13.22
LI-2024-INS004-004116,2013-11-08,13,33,46,1980,male,current_smoker,29.9,73,226,HI,USA,single,high_school,professional,31557.87,0.6107,full_paramedical,136,78,241,24,10.04,100,,True,80.3,0.75,False,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,2,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,27,UW-385,2.75,whole_life,250000,annual,2641.31,,none,2774.44,,,False,none,captive_agent,False,False,False,0.007886,0.037887,SOA_2015_VBT,SOA_Scale_MP2023,2.931,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013801,0.02,False,,1.0,False,,,,0.015,0.0182,False,normal_rate,2.69,2.27,False,False,False,False,False,0.819,60.0,50.5,super_preferred_longevity,97.4,baseline,1.042,0.587,True,56.6,False,,247225.56,21356.77,18848.66,21130.48,5018.49,False,0,-3.07,-20.0
LI-2024-INS004-004117,2015-01-27,8,57,65,1958,male,never_smoker,32.5,67,207,AR,USA,widowed,some_college,professional,49078.87,0.7106,full_paramedical,126,79,218,48,4.54,132,5.5,False,90.4,5.39,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-250,2.0,term_life,1000000,monthly,10138.18,10.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.017236,0.053923,SOA_2015_VBT,SOA_Scale_MP2023,2.201,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017236,0.012,False,,1.0,True,2025-09-20,voluntary_surrender,8.0,0.05,0.0566,False,normal_rate,4.02,2.02,True,False,False,False,False,0.756,32.5,24.5,standard_longevity,59.9,baseline,0.967,0.8,False,,False,,1000000.0,87115.95,73967.71,81105.44,19262.54,False,0,2.93,-5.98
LI-2024-INS004-004118,2024-08-14,1,30,31,1994,female,never_smoker,29.5,60,151,CA,USA,married,bachelors,white_collar,92822.98,0.7925,full_paramedical,127,78,225,44,5.11,87,,False,93.7,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-229,2.0,term_life,500000,annual,2456.46,15.0,none,,,,False,none,captive_agent,False,False,False,0.001226,0.003628,SOA_2015_VBT,SOA_Scale_MP2023,2.164,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001226,0.022,False,,1.0,False,,,,0.1,0.1066,False,normal_rate,4.07,1.8,False,False,False,False,False,0.932,70.0,55.0,super_preferred_longevity,100.0,baseline,0.906,0.983,False,,False,,500000.0,18820.24,17184.81,19651.68,4667.27,False,0,-0.68,-5.19
LI-2024-INS004-004119,2019-04-11,4,64,68,1955,male,unknown,17.3,71,123,TN,USA,single,some_college,white_collar,48632.17,0.9455,full_paramedical,122,76,195,57,3.42,83,5.5,False,,3.06,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,,,False,False,False,False,3,UW-353,0.93,whole_life,500000,monthly,2539.85,,none,1917.47,,,False,none,independent_broker,False,False,False,0.024807,0.01801,SOA_2015_VBT,SOA_Scale_MP2023,0.918,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0377,False,normal_rate,4.31,1.39,False,False,False,False,False,0.954,26.0,25.8,preferred_longevity,65.4,baseline,0.791,0.892,True,82.8,False,,498082.53,22164.67,18430.47,20318.8,4825.72,False,0,5.41,19.87
LI-2024-INS004-004120,2011-10-03,7,39,46,1972,male,never_smoker,25.4,66,157,MO,USA,married,some_college,professional,34358.66,0.8046,simplified_issue,115,77,238,52,4.58,80,,False,92.0,0.55,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,3,UW-068,0.59,whole_life,250000,monthly,592.93,,none,469.34,,,True,none,employer_group,False,False,False,0.003943,0.00204,SOA_2015_VBT,SOA_Scale_MP2023,0.577,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.0254,False,normal_rate,4.91,1.29,False,False,False,False,False,1.0,53.5,46.5,super_preferred_longevity,94.3,baseline,0.897,0.909,False,,False,,249530.66,4696.43,4075.06,4743.44,1126.57,False,0,5.59,17.67
LI-2024-INS004-004121,2001-02-26,23,34,57,1967,male,never_smoker,33.6,69,227,NJ,USA,married,high_school,heavy_blue_collar,20000.0,0.6596,full_paramedical,143,87,225,41,5.49,77,4.7,False,79.1,2.61,False,False,False,False,True,colorectal,2.2,none,none,none,1,False,False,False,False,True,substandard_table_4,0.54,4.0,False,False,False,False,36,UW-073,2.0,universal_life,250000,semi_annual,2192.97,,10yr_declining,3505.05,,,False,none,employer_group,False,False,False,0.009477,0.028579,SOA_2015_VBT,SOA_Scale_MP2023,2.005,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009477,0.015,False,,1.0,False,,,,0.04,0.0563,False,normal_rate,2.82,1.06,False,False,False,False,False,0.906,56.9,33.9,preferred_longevity,73.2,baseline,1.005,0.663,False,,False,,246494.95,15900.26,17176.06,17543.76,4166.64,False,0,1.03,-12.78
LI-2024-INS004-004122,2007-10-22,11,74,85,1933,female,current_smoker,16.8,59,90,ND,USA,single,bachelors,white_collar,24846.56,0.5384,non_med_guaranteed,126,64,253,57,4.44,80,4.9,True,,,True,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,0,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,25,UW-019,2.75,group_life,2000000,monthly,43553.13,,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.145243,0.692654,SOA_2015_VBT,SOA_Scale_MP2023,2.754,cardiovascular,True,2010-03-25,False,False,370049.27,0.0007,5e-05,1.095,0.254175,0.005,False,,1.0,False,,,,0.1,0.1269,False,normal_rate,5.27,1.68,False,False,False,False,False,0.847,14.5,3.5,sub_standard_longevity,25.8,baseline,1.096,0.675,False,,False,,2000000.0,61804.23,54388.48,60974.38,140241.08,False,0,2.02,-20.0
LI-2024-INS004-004123,2011-09-10,9,53,62,1958,female,never_smoker,35.8,65,215,SC,USA,divorced,bachelors,white_collar,59415.34,0.3039,full_paramedical,155,89,238,35,6.8,110,5.2,False,,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-071,1.5,universal_life,2000000,quarterly,17061.7,,10yr_declining,15696.43,,,True,facultative,captive_agent,False,False,False,0.010647,0.025924,SOA_2015_VBT,SOA_Scale_MP2023,1.521,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005323,0.012,False,,1.0,False,,,,0.06,0.0393,False,normal_rate,1.55,2.95,False,False,False,False,False,0.978,38.9,29.9,preferred_longevity,61.9,baseline,1.272,0.275,False,,False,,1984303.57,145933.77,129723.22,136493.6,32417.23,False,0,2.79,2.71
LI-2024-INS004-004124,2004-08-24,9,25,34,1979,female,former_smoker,34.6,70,241,CO,USA,married,bachelors,white_collar,130197.44,0.3481,limited_exam,131,82,221,47,4.7,98,7.0,False,89.1,,False,False,False,False,False,none,,type_2,none,depression,19,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,31,UW-470,1.5,universal_life,5000000,annual,20101.74,,15yr_declining,17650.92,,,True,excess_of_loss,independent_broker,False,False,False,0.001864,0.00457,SOA_2015_VBT,SOA_Scale_MP2023,1.575,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000932,0.018,False,,1.0,False,,,,0.06,0.0384,False,normal_rate,4.1,2.58,False,False,False,False,False,0.836,70.0,55.0,super_preferred_longevity,100.0,baseline,1.239,0.295,False,,False,,4982349.08,158755.68,158166.62,160813.92,38193.31,False,0,4.56,4.61
LI-2024-INS004-004125,2006-11-24,19,47,66,1959,female,never_smoker,34.4,71,246,ME,USA,married,some_college,white_collar,56417.84,0.6576,full_paramedical,145,87,215,47,4.57,101,5.9,False,65.8,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,18,UW-460,2.0,annuity_deferred,250000,monthly,3095.45,,none,3958.32,,,False,none,bank,False,False,False,0.01522,0.047277,SOA_2015_VBT,SOA_Scale_MP2023,2.092,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01522,0.012,False,,1.0,False,,,,0.01,0.0117,False,normal_rate,4.11,2.02,False,False,False,False,False,0.956,46.4,31.7,preferred_longevity,69.9,baseline,1.007,0.559,True,79.0,False,,246041.68,25271.71,23498.53,24763.6,5881.35,False,0,2.46,-10.41
LI-2024-INS004-004126,2011-04-04,9,74,83,1937,male,current_smoker,31.9,70,222,NC,USA,divorced,bachelors,light_blue_collar,26621.16,0.2449,limited_exam,147,85,222,30,7.4,107,4.9,True,71.4,15.36,False,False,False,True,False,none,,none,very_severe_gold_4,bipolar,3,False,False,True,False,True,declined,,,False,False,True,False,35,UW-364,7.0,term_life,250000,monthly,13672.23,15.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.156095,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,True,2025-09-12,non_payment,9.0,0.05,0.1053,False,normal_rate,2.25,1.42,False,False,False,False,False,0.827,9.9,1.0,sub_standard_longevity,17.7,baseline,1.316,0.304,False,,False,,250000.0,4982.17,4856.76,5468.89,46759.03,False,0,-5.0,-20.0
LI-2024-INS004-004127,2011-10-09,15,32,47,1979,male,never_smoker,30.4,74,236,MT,USA,married,bachelors,light_blue_collar,40142.87,0.7405,full_paramedical,131,89,196,29,6.76,94,,False,,1.99,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-165,1.5,term_life,500000,semi_annual,2678.85,15.0,none,,,,False,none,independent_broker,True,False,False,0.004251,0.00863,SOA_2015_VBT,SOA_Scale_MP2023,1.62,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002125,0.018,False,,1.0,True,2025-11-23,non_payment,15.0,0.03,0.0332,False,normal_rate,3.2,1.23,False,False,True,False,False,0.8,61.3,46.3,super_preferred_longevity,93.1,baseline,0.945,0.701,False,,False,,500000.0,20677.62,22398.09,21430.8,5089.82,False,0,1.38,10.52
LI-2024-INS004-004128,2006-03-26,15,18,33,1988,male,never_smoker,27.9,60,142,OK,USA,divorced,bachelors,professional,44812.59,0.4076,non_med_guaranteed,119,69,167,56,2.98,109,,False,82.5,,False,False,True,False,False,none,,none,none,none,9,False,False,False,False,False,preferred_plus,,,False,False,False,False,4,UW-129,0.67,whole_life,1000000,annual,1742.87,,none,2003.13,,,True,quota_share,independent_broker,False,False,False,0.001698,0.001304,SOA_2015_VBT,SOA_Scale_MP2023,0.643,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.015,0.0206,False,normal_rate,2.46,1.65,True,False,False,False,False,0.892,70.0,55.0,super_preferred_longevity,100.0,baseline,1.194,0.275,False,,False,,997996.87,14572.2,14052.77,13942.96,3311.45,False,0,5.81,27.73
LI-2024-INS004-004129,2014-03-24,2,44,46,1970,male,never_smoker,22.3,66,137,NJ,USA,married,high_school,white_collar,80166.53,0.6566,limited_exam,117,75,177,48,3.69,96,,False,81.6,1.51,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-055,2.25,term_life,1000000,monthly,9136.4,15.0,none,,,,True,quota_share,independent_broker,False,False,False,0.003943,0.014158,SOA_2015_VBT,SOA_Scale_MP2023,2.323,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004929,0.018,False,,1.0,False,,,,0.07,0.0822,False,normal_rate,2.57,2.26,False,False,False,False,False,0.777,47.6,45.6,super_preferred_longevity,90.7,baseline,1.008,0.376,False,,False,,1000000.0,73230.45,69463.53,73091.2,17359.16,False,0,0.86,-6.07
LI-2024-INS004-004130,2020-05-15,5,26,31,1994,male,former_smoker,34.9,61,184,UT,USA,married,some_college,hazardous,201015.82,0.7558,full_paramedical,134,92,236,58,4.07,95,5.2,False,95.0,,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,4.97,4.0,True,False,False,False,21,UW-085,2.0,whole_life,500000,monthly,2696.66,,none,1920.94,,,False,none,captive_agent,True,True,False,0.001992,0.011086,SOA_2015_VBT,SOA_Scale_MP2023,2.182,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001992,0.022,True,0.00504,1.0,False,,,,0.04,0.0438,False,normal_rate,4.17,2.43,False,False,False,False,False,0.992,70.0,55.0,super_preferred_longevity,100.0,baseline,0.933,0.649,False,,False,,498079.06,20731.88,18860.94,21573.28,5123.65,False,0,3.49,-7.61
LI-2024-INS004-004131,2001-05-02,20,38,58,1963,male,never_smoker,24.8,67,158,AZ,USA,married,bachelors,professional,120271.69,0.2311,full_paramedical,131,72,201,33,6.09,101,,False,73.8,0.86,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-233,1.5,term_life,500000,monthly,3786.22,30.0,none,,,,True,none,bank,False,False,False,0.01,0.026518,SOA_2015_VBT,SOA_Scale_MP2023,1.622,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005,0.015,False,,1.0,False,,,,0.03,0.0455,False,normal_rate,3.7,2.91,False,False,False,False,False,0.838,50.6,26.8,standard_longevity,56.2,baseline,1.327,0.261,False,,True,-2.549,500000.0,32365.41,26957.91,30289.76,7193.82,False,0,2.59,5.8
LI-2024-INS004-004132,2009-06-10,5,46,51,1963,female,former_smoker,26.5,67,168,HI,USA,married,bachelors,professional,45090.71,0.812,limited_exam,166,103,197,53,3.72,104,,False,84.8,,False,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-097,2.0,universal_life,1000000,monthly,9564.65,,10yr_declining,6970.8,,,True,excess_of_loss,employer_group,False,False,False,0.005853,0.016409,SOA_2015_VBT,SOA_Scale_MP2023,2.024,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005853,0.015,False,,1.0,False,,,,0.08,0.0454,False,normal_rate,2.18,2.21,False,False,False,False,False,0.901,48.9,43.9,super_preferred_longevity,90.5,baseline,0.891,0.822,False,,False,,993029.2,79483.51,79782.51,76517.2,18172.83,False,0,-0.93,-4.82
LI-2024-INS004-004133,2013-10-01,11,42,53,1971,female,unknown,29.3,64,170,VT,USA,married,bachelors,white_collar,62686.84,0.3705,full_paramedical,129,78,246,47,5.23,94,4.7,False,84.2,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,31,UW-153,2.0,term_life,500000,quarterly,4647.84,20.0,none,,,,False,none,independent_broker,False,False,False,0.006268,0.022079,SOA_2015_VBT,SOA_Scale_MP2023,2.064,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006268,0.018,False,,1.0,False,,,,0.03,0.0421,False,normal_rate,4.62,2.58,False,False,False,False,False,0.822,52.6,41.6,super_preferred_longevity,80.5,baseline,1.222,0.532,False,,False,,500000.0,38555.29,34817.8,37182.72,8830.9,False,0,2.75,-10.84
LI-2024-INS004-004134,2006-06-18,19,75,94,1931,male,former_smoker,36.9,76,303,AK,USA,married,bachelors,light_blue_collar,171285.91,0.5967,limited_exam,163,104,250,20,12.5,81,5.4,False,46.0,11.41,True,False,False,True,False,none,,none,none,bipolar,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-132,2.5,whole_life,1000000,annual,20417.16,,none,27592.94,,,True,quota_share,independent_broker,False,False,False,0.246038,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.607,infectious,True,2023-04-14,False,False,1714973.54,0.0007,5e-05,1.095,0.369057,0.005,False,,1.0,False,,,,0.015,0.0183,False,normal_rate,3.12,2.68,False,False,False,False,False,0.949,9.4,1.0,sub_standard_longevity,23.0,baseline,1.052,0.602,False,,False,,972407.06,7996.75,7282.91,8166.86,69826.69,False,0,2.41,-20.0
LI-2024-INS004-004135,2000-07-25,4,65,69,1935,male,never_smoker,30.7,65,184,MN,USA,married,bachelors,light_blue_collar,20000.0,0.9074,full_paramedical,153,110,255,41,6.22,76,,False,65.6,10.73,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-274,2.0,indexed_ul,1000000,annual,10575.93,,15yr_declining,6996.65,,,True,excess_of_loss,independent_broker,False,False,False,0.022848,0.064843,SOA_2015_VBT,SOA_Scale_MP2023,2.243,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022848,0.005,False,,1.0,False,,,,0.08,0.0351,False,normal_rate,2.14,1.38,False,False,False,False,False,0.889,21.3,17.3,standard_longevity,52.1,baseline,0.819,0.959,False,,False,,993003.35,77900.74,68546.86,73185.44,22378.67,False,0,3.22,-5.26
LI-2024-INS004-004136,2012-06-24,4,39,43,1973,female,never_smoker,21.8,71,156,IA,USA,married,bachelors,white_collar,138264.53,0.2532,simplified_issue,127,68,167,58,2.88,82,5.1,False,86.8,,False,True,True,False,False,none,,none,none,none,2,False,True,False,False,False,preferred_plus,,,False,False,False,False,23,UW-322,0.61,term_life,1000000,semi_annual,2166.89,10.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.002537,0.001871,SOA_2015_VBT,SOA_Scale_MP2023,0.563,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,True,2026-01-20,voluntary_surrender,4.0,0.07,0.1467,False,normal_rate,1.31,0.87,False,False,False,False,False,0.845,58.4,55.0,super_preferred_longevity,100.0,baseline,1.31,0.157,False,,True,0.479,1000000.0,18157.24,17223.92,17335.12,4117.09,False,0,9.74,34.79
LI-2024-INS004-004137,2006-01-01,1,73,74,1933,male,never_smoker,27.7,71,198,OK,USA,married,some_college,white_collar,44696.18,0.7381,full_paramedical,144,90,229,44,5.2,80,,False,,8.36,True,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-344,1.25,universal_life,250000,monthly,2053.89,,10yr_declining,1376.74,,,True,quota_share,independent_broker,False,False,False,0.035009,0.05706,SOA_2015_VBT,SOA_Scale_MP2023,1.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008752,0.005,False,,1.0,True,2026-01-02,non_payment,1.0,0.12,0.0599,False,normal_rate,3.6,2.94,False,False,False,False,False,0.927,15.3,16.1,standard_longevity,57.7,baseline,0.946,0.607,True,71.3,False,,248623.26,13489.14,11815.43,13227.05,4543.2,False,0,-0.13,18.14
LI-2024-INS004-004138,2020-09-12,4,46,50,1974,female,never_smoker,25.5,66,158,IN,USA,single,high_school,white_collar,106399.43,0.5293,accelerated_UW,141,93,130,64,2.03,85,6.0,False,74.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,True,11,UW-484,2.25,universal_life,1000000,monthly,8318.76,,10yr_declining,5988.25,,,True,facultative,captive_agent,False,False,False,0.004288,0.018654,SOA_2015_VBT,SOA_Scale_MP2023,2.3,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.018,True,0.00242,1.0,False,,,,0.08,0.046,False,normal_rate,3.6,1.12,False,False,False,False,False,0.868,49.7,45.7,super_preferred_longevity,89.0,baseline,1.103,0.536,False,,False,,994011.75,70167.6,62008.09,66550.08,15805.64,False,0,-0.89,-7.35
LI-2024-INS004-004139,2001-01-17,23,36,59,1965,male,never_smoker,26.7,63,150,IA,USA,married,high_school,professional,199948.39,0.2794,full_paramedical,127,74,210,53,3.96,91,,False,85.3,2.64,True,False,False,False,False,none,,none,none,schizophrenia,2,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,73,UW-270,2.25,term_life,1000000,monthly,11150.1,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.011215,0.047217,SOA_2015_VBT,SOA_Scale_MP2023,2.294,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014018,0.015,False,,1.0,False,,,,0.03,0.0443,False,normal_rate,5.02,2.63,False,False,False,True,False,0.927,53.1,30.1,preferred_longevity,61.8,baseline,1.29,0.323,False,,False,,1000000.0,97866.92,85387.36,89200.8,21185.19,False,0,4.1,-15.6
LI-2024-INS004-004140,2011-01-07,6,58,64,1953,male,current_smoker,28.5,69,193,VT,USA,married,bachelors,heavy_blue_collar,39622.0,0.6144,accelerated_UW,146,90,271,38,7.13,98,5.6,True,46.4,0.79,True,False,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_7,0.79,7.0,False,False,False,True,24,UW-309,2.75,term_life,500000,monthly,7239.18,20.0,none,,,,False,none,captive_agent,False,False,False,0.029765,0.14074,SOA_2015_VBT,SOA_Scale_MP2023,2.866,neurological,True,2013-01-15,False,False,1222845.17,0.0007,5e-05,1.095,0.052089,0.012,False,,1.0,False,,,,0.05,0.0604,False,normal_rate,2.06,1.18,False,False,False,False,False,0.755,33.4,27.4,preferred_longevity,72.8,baseline,1.039,0.743,False,,False,,500000.0,52363.06,54804.74,57913.44,13754.44,False,0,1.28,-20.0
LI-2024-INS004-004141,2014-11-26,5,39,44,1975,female,current_smoker,30.8,65,184,MI,USA,married,bachelors,professional,33001.01,0.3472,non_med_guaranteed,125,83,217,59,3.68,84,5.2,True,96.5,,False,False,False,False,False,none,,none,none,none,5,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-071,1.5,term_life,1000000,quarterly,5982.81,15.0,none,,,,True,excess_of_loss,bank,False,False,False,0.005449,0.013086,SOA_2015_VBT,SOA_Scale_MP2023,1.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002724,0.018,False,,1.0,False,,,,0.07,0.0996,False,normal_rate,3.82,2.32,False,False,False,False,False,0.907,56.1,51.1,super_preferred_longevity,94.4,baseline,1.24,0.294,False,,False,,1000000.0,52563.79,44002.77,47862.48,11367.34,False,0,5.84,9.44
LI-2024-INS004-004142,2013-08-01,2,55,57,1958,female,former_smoker,30.2,68,198,NY,USA,single,less_than_hs,light_blue_collar,39274.61,0.5842,accelerated_UW,108,66,204,60,3.4,106,4.9,False,,,False,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,True,3,UW-075,0.83,indexed_ul,1000000,semi_annual,4315.41,,10yr_declining,2744.13,,,True,quota_share,independent_broker,False,False,False,0.009057,0.007569,SOA_2015_VBT,SOA_Scale_MP2023,0.787,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0444,False,normal_rate,4.5,1.94,False,False,False,False,False,0.767,38.0,35.6,preferred_longevity,74.7,baseline,1.062,0.491,False,,True,-0.292,997255.87,36733.35,34813.05,34523.28,8199.28,False,0,3.83,15.46
LI-2024-INS004-004143,2005-10-07,6,18,24,1987,male,never_smoker,30.7,76,252,WA,USA,divorced,high_school,white_collar,59115.38,0.4397,full_paramedical,116,70,211,46,4.59,102,5.1,True,93.4,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-424,1.25,universal_life,250000,annual,627.55,,10yr_declining,466.37,,,False,none,captive_agent,False,False,False,0.002282,0.004357,SOA_2015_VBT,SOA_Scale_MP2023,1.418,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00057,0.02,False,,1.0,False,,,,0.06,0.0364,False,normal_rate,0.58,1.96,False,False,False,False,False,0.928,70.0,55.0,super_preferred_longevity,100.0,baseline,1.17,0.405,False,,False,,249533.63,5017.54,4667.3,5020.4,1192.34,False,0,4.6,18.02
LI-2024-INS004-004144,2014-06-02,2,66,68,1948,female,never_smoker,19.4,66,120,AR,USA,single,high_school,white_collar,102752.6,0.711,simplified_issue,121,86,224,49,4.57,76,5.2,False,70.8,,False,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,standard,,,False,False,False,False,30,UW-412,1.0,term_life,1000000,semi_annual,4956.4,20.0,none,,,,True,none,independent_broker,False,False,False,0.016986,0.016701,SOA_2015_VBT,SOA_Scale_MP2023,1.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0792,False,normal_rate,3.52,1.59,False,False,False,False,False,0.916,25.7,23.7,standard_longevity,58.7,baseline,0.967,0.723,False,,False,,1000000.0,41568.77,37353.8,39651.2,9417.16,False,0,5.66,16.31
LI-2024-INS004-004145,2006-02-23,21,74,95,1932,female,never_smoker,25.3,69,171,ND,USA,married,high_school,professional,41655.46,0.2654,full_paramedical,138,79,229,61,3.75,69,,False,48.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-472,2.25,whole_life,500000,monthly,8107.42,,none,11739.6,,,False,none,worksite,False,True,False,0.16468,0.709742,SOA_2015_VBT,SOA_Scale_MP2023,2.352,other,True,2017-11-03,False,False,160640.1,0.0007,5e-05,1.095,0.20585,0.005,False,,1.0,False,,,,0.015,0.0223,False,normal_rate,3.79,1.04,False,False,False,False,False,0.796,13.3,1.0,sub_standard_longevity,18.0,baseline,1.301,0.182,False,,False,,488260.4,3160.79,3324.04,3242.97,27727.38,False,0,-1.8,-14.97
LI-2024-INS004-004146,2021-01-19,1,49,50,1972,female,former_smoker,30.9,67,197,GA,USA,married,high_school,professional,51173.88,0.3939,full_paramedical,139,87,154,49,3.14,110,5.2,False,105.0,,False,False,True,False,True,breast,2.5,none,none,none,1,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,34,UW-222,2.0,indexed_ul,500000,semi_annual,3642.69,,10yr_declining,2101.17,,,False,none,captive_agent,False,False,False,0.005574,0.02366,SOA_2015_VBT,SOA_Scale_MP2023,2.244,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005574,0.018,True,0.00302,1.0,False,,,,0.11,0.0686,False,normal_rate,3.51,2.12,False,False,False,False,False,0.955,48.8,47.8,super_preferred_longevity,100.0,baseline,1.205,0.329,False,,False,,497898.83,26412.25,30355.87,29141.52,6921.11,False,0,0.79,-12.81
LI-2024-INS004-004147,2021-10-02,4,49,53,1972,male,never_smoker,33.1,72,243,ND,USA,married,graduate,white_collar,109463.78,0.5919,full_paramedical,136,76,230,33,6.97,112,5.9,False,88.0,3.3,True,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-418,2.0,term_life,250000,quarterly,2419.4,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.006813,0.027492,SOA_2015_VBT,SOA_Scale_MP2023,2.219,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.018,True,0.00471,1.0,False,,,,0.07,0.1202,False,normal_rate,3.1,1.01,False,False,False,False,False,0.807,42.6,38.6,preferred_longevity,79.3,baseline,1.056,0.615,False,,False,,250000.0,20897.8,17240.23,19355.2,4596.86,False,0,5.29,-7.41
LI-2024-INS004-004148,2008-04-21,13,66,79,1942,male,former_smoker,37.5,74,292,IA,USA,single,high_school,white_collar,33084.19,0.7071,accelerated_UW,132,89,188,40,4.7,117,5.5,False,77.7,11.12,False,False,True,True,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,True,35,UW-210,2.5,term_life,500000,quarterly,8340.41,25.0,none,,,,False,none,independent_broker,False,False,False,0.068686,0.276532,SOA_2015_VBT,SOA_Scale_MP2023,2.605,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.10303,0.008,False,,1.0,False,,,,0.03,0.034,False,normal_rate,2.97,2.7,False,False,False,False,False,0.834,23.8,10.8,standard_longevity,49.3,baseline,0.97,0.585,False,,False,,500000.0,36870.92,31667.69,36030.57,21985.32,False,0,-2.64,-17.09
LI-2024-INS004-004149,2016-08-17,7,74,81,1942,female,never_smoker,29.5,68,194,NH,USA,married,bachelors,light_blue_collar,87214.72,0.819,full_paramedical,160,95,220,59,3.73,87,,False,60.4,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,8,UW-129,2.0,term_life,500000,monthly,6627.18,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.050269,0.142972,SOA_2015_VBT,SOA_Scale_MP2023,2.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.050269,0.008,False,,1.0,False,,,,0.05,0.0731,False,normal_rate,4.21,1.89,False,False,False,False,False,0.968,17.2,10.2,standard_longevity,40.1,baseline,0.886,1.0,False,,False,,500000.0,28714.83,23070.69,27038.89,17787.35,False,0,3.06,1.42
LI-2024-INS004-004150,2016-04-16,1,60,61,1956,female,never_smoker,18.2,65,109,FL,USA,widowed,high_school,professional,51058.29,0.5704,full_paramedical,120,75,130,49,2.65,60,4.4,False,,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-280,2.0,whole_life,500000,monthly,4406.47,,none,2790.65,,,False,none,captive_agent,False,False,False,0.00954,0.031134,SOA_2015_VBT,SOA_Scale_MP2023,2.111,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00954,0.012,False,,1.0,False,,,,0.06,0.0746,False,normal_rate,3.73,2.4,False,False,False,False,False,0.925,32.6,30.7,preferred_longevity,67.1,baseline,1.072,0.628,False,,True,-0.584,497209.35,37236.19,35469.6,35251.76,8372.29,False,0,2.21,-15.58
LI-2024-INS004-004151,2001-08-11,15,66,81,1935,male,never_smoker,32.3,69,218,RI,USA,married,high_school,light_blue_collar,42881.79,0.9879,limited_exam,140,87,258,34,7.59,77,4.9,False,81.9,11.31,False,True,False,False,False,none,,none,none,none,0,False,False,True,True,True,substandard_table_2,,2.0,False,False,False,False,20,UW-268,1.5,universal_life,2000000,monthly,18201.48,,10yr_declining,19733.83,,,True,quota_share,independent_broker,False,False,False,0.065033,0.118363,SOA_2015_VBT,SOA_Scale_MP2023,1.739,neurological,True,2009-01-25,False,False,895793.42,0.0007,5e-05,1.095,0.032517,0.005,False,,1.0,False,,,,0.04,0.0364,False,normal_rate,4.29,1.36,False,False,False,False,False,0.828,20.6,5.6,standard_longevity,35.7,baseline,0.759,0.978,False,,False,,1980266.17,44200.58,38853.43,40771.32,55550.92,False,0,1.28,5.44
LI-2024-INS004-004152,2008-03-09,14,77,91,1931,male,current_smoker,15.0,60,90,CA,USA,divorced,graduate,light_blue_collar,155137.44,0.6503,non_med_guaranteed,124,77,146,81,1.8,66,4.4,True,69.8,7.97,True,False,False,True,False,none,,none,severe_gold_3,none,10,False,False,False,True,True,declined,,,False,False,True,False,39,UW-310,7.0,term_life,1000000,quarterly,51458.45,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.297064,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.874,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.03,0.0354,False,normal_rate,4.0,0.82,False,False,False,False,False,0.916,7.7,1.0,sub_standard_longevity,23.8,baseline,1.012,0.696,False,,False,,1000000.0,20568.8,19348.62,20583.38,175987.9,False,0,-5.0,-20.0
LI-2024-INS004-004153,2020-04-18,4,19,23,2001,male,never_smoker,29.8,75,238,IA,USA,single,some_college,professional,42661.9,0.4763,limited_exam,129,74,182,35,5.2,89,5.7,False,93.1,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-031,1.25,universal_life,1000000,monthly,2262.44,,10yr_declining,1618.19,,,True,none,captive_agent,False,False,False,0.001103,0.004846,SOA_2015_VBT,SOA_Scale_MP2023,1.499,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000276,0.012,True,0.00268,1.0,False,,,,0.08,0.0475,False,normal_rate,3.13,0.5,False,False,False,False,False,0.85,70.0,55.0,super_preferred_longevity,100.0,baseline,1.143,0.488,False,,False,,998381.81,19421.37,17265.93,18099.52,4298.64,False,0,3.2,13.95
LI-2024-INS004-004154,2005-12-06,7,38,45,1967,female,never_smoker,33.4,59,165,TX,USA,single,some_college,professional,146277.23,0.5789,limited_exam,125,88,192,37,5.19,79,5.3,False,79.0,,False,False,False,False,False,none,,none,none,schizophrenia,21,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-024,2.25,whole_life,1000000,monthly,8986.85,,none,7331.38,,,True,coinsurance,direct_to_consumer,False,False,False,0.00293,0.011422,SOA_2015_VBT,SOA_Scale_MP2023,2.485,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.015,False,,1.0,False,,,,0.02,0.0346,False,normal_rate,3.3,1.99,False,False,False,False,False,0.991,56.6,49.6,super_preferred_longevity,95.6,baseline,1.066,0.476,False,,False,,992668.62,77658.97,71221.02,71894.8,17075.01,False,0,0.9,-11.26
LI-2024-INS004-004155,2011-09-01,15,21,36,1990,female,never_smoker,22.0,69,148,PA,USA,married,graduate,professional,56745.89,0.6143,full_paramedical,107,61,238,43,5.53,72,,False,85.8,,True,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,45,UW-134,1.25,group_life,1000000,monthly,3265.52,,none,,,,True,quota_share,independent_broker,True,False,False,0.001608,0.002817,SOA_2015_VBT,SOA_Scale_MP2023,1.445,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000402,0.022,False,,1.0,False,,,,0.1,0.1209,False,normal_rate,5.02,2.49,True,False,False,False,False,0.893,70.0,54.1,super_preferred_longevity,100.0,baseline,1.039,0.662,False,,True,-0.592,1000000.0,24939.44,22217.41,26124.16,6204.49,False,0,3.17,11.45
LI-2024-INS004-004156,2017-03-04,6,61,67,1956,male,never_smoker,22.7,73,172,OK,USA,married,bachelors,white_collar,20000.0,0.62,accelerated_UW,136,87,179,48,3.73,89,6.0,False,112.6,2.74,False,True,False,False,False,none,,none,none,depression,0,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,True,36,UW-199,1.25,indexed_ul,100000,monthly,671.23,,10yr_declining,512.69,,,False,none,independent_broker,True,False,False,0.020014,0.034832,SOA_2015_VBT,SOA_Scale_MP2023,1.44,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005003,0.012,False,,1.0,False,,,,0.06,0.0325,False,normal_rate,4.92,2.16,False,False,False,False,False,0.844,27.8,21.8,standard_longevity,54.5,baseline,1.035,0.525,False,,False,,99487.31,5857.05,5438.53,5369.84,1275.34,False,0,0.21,8.21
LI-2024-INS004-004157,2008-03-07,18,51,69,1957,female,never_smoker,40.1,67,256,AR,USA,married,bachelors,professional,155337.49,0.9488,limited_exam,149,90,196,51,3.84,134,5.4,False,66.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,standard,,,False,True,False,False,7,UW-012,1.0,universal_life,500000,annual,2766.06,,15yr_declining,3419.44,,,False,none,direct_to_consumer,False,False,False,0.019289,0.015648,SOA_2015_VBT,SOA_Scale_MP2023,1.029,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0527,False,normal_rate,5.33,2.03,False,False,False,False,False,0.833,43.3,25.3,preferred_longevity,64.7,baseline,0.788,1.0,False,,False,,496580.56,21722.46,22607.03,22128.48,5255.51,False,0,1.16,22.91
LI-2024-INS004-004158,2000-07-12,8,31,39,1969,female,former_smoker,27.5,70,191,AZ,USA,married,graduate,white_collar,48626.39,0.2537,accelerated_UW,110,65,262,48,5.46,113,5.6,False,97.6,,True,False,False,False,False,none,,none,none,substance_use_disorder,12,False,False,False,True,True,standard,,,False,True,False,True,47,UW-203,1.0,term_life,500000,quarterly,1698.45,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.002516,0.003417,SOA_2015_VBT,SOA_Scale_MP2023,1.037,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0749,False,normal_rate,3.91,0.98,False,False,False,False,False,0.789,62.6,54.6,super_preferred_longevity,98.2,baseline,1.31,0.3,False,,False,,500000.0,12869.14,13305.43,13587.6,3227.05,False,0,3.4,17.11
LI-2024-INS004-004159,2018-07-27,3,58,61,1960,female,former_smoker,32.7,59,161,RI,USA,married,bachelors,professional,22278.7,0.8206,non_med_guaranteed,147,82,271,56,4.84,100,4.8,False,97.8,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-394,2.0,term_life,2000000,semi_annual,23201.88,15.0,none,,,,True,excess_of_loss,captive_agent,True,False,False,0.01282,0.038141,SOA_2015_VBT,SOA_Scale_MP2023,2.233,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01282,0.015,False,,1.0,False,,,,0.07,0.073,False,normal_rate,4.05,2.94,False,False,False,False,True,0.799,36.5,35.3,preferred_longevity,77.8,baseline,0.885,0.834,True,50.1,False,,2000000.0,197936.98,191071.69,185615.04,44083.57,False,0,3.78,1.34
LI-2024-INS004-004160,2022-11-01,4,63,67,1959,male,never_smoker,25.0,71,179,MT,USA,married,high_school,light_blue_collar,68635.11,0.8585,full_paramedical,131,73,232,54,4.3,104,5.4,False,85.3,2.91,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,16,UW-165,2.25,group_life,1000000,annual,14408.61,,none,,,,True,quota_share,employer_group,False,False,False,0.020752,0.067845,SOA_2015_VBT,SOA_Scale_MP2023,2.336,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02594,0.012,True,0.0004,1.0,True,2025-12-19,unknown,4.0,0.15,0.1824,False,normal_rate,3.92,0.52,False,False,False,False,False,0.751,27.2,25.2,preferred_longevity,63.2,baseline,0.856,0.717,True,59.2,False,,1000000.0,109960.22,111575.45,115268.88,27376.36,False,0,1.79,-11.45
LI-2024-INS004-004161,2016-03-13,9,21,30,1995,male,never_smoker,27.8,76,228,NE,USA,married,high_school,heavy_blue_collar,58700.21,0.6996,limited_exam,123,68,189,45,4.2,94,5.1,False,87.6,,False,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,0.53,,False,False,False,False,6,UW-201,0.65,term_life,100000,quarterly,153.56,20.0,none,,,,False,none,independent_broker,False,False,False,0.00146,0.000809,SOA_2015_VBT,SOA_Scale_MP2023,0.568,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.057,False,normal_rate,3.23,1.83,False,False,False,False,False,0.813,70.0,55.0,super_preferred_longevity,100.0,baseline,0.975,0.764,False,,False,,100000.0,1119.31,1262.9,1228.48,291.76,False,0,5.19,24.69
LI-2024-INS004-004162,2000-06-20,18,23,41,1977,male,never_smoker,31.3,74,243,IN,USA,married,bachelors,white_collar,103721.54,0.6335,accelerated_UW,103,58,196,54,3.63,112,4.3,False,90.2,1.03,False,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard,,,False,False,False,True,25,UW-091,1.07,term_life,1000000,monthly,4051.85,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.002761,0.003151,SOA_2015_VBT,SOA_Scale_MP2023,1.045,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000193,0.018,False,,1.0,False,,,,0.03,0.0358,False,normal_rate,3.8,0.89,False,False,False,False,False,0.917,69.5,56.8,super_preferred_longevity,100.0,baseline,1.025,0.816,True,64.2,False,,1000000.0,33748.11,29094.26,32414.8,7698.52,False,0,5.3,13.66
LI-2024-INS004-004163,2011-03-26,13,46,59,1965,male,never_smoker,26.6,70,185,CO,USA,widowed,bachelors,professional,28207.22,0.8361,full_paramedical,128,77,243,61,3.98,81,,False,81.9,3.6,False,True,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-410,2.0,indexed_ul,500000,semi_annual,4992.14,,10yr_declining,5092.36,,,False,none,captive_agent,False,False,False,0.011215,0.033192,SOA_2015_VBT,SOA_Scale_MP2023,2.245,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011215,0.015,False,,1.0,False,,,,0.04,0.0412,False,normal_rate,4.67,0.62,False,False,False,False,False,0.998,45.3,32.3,preferred_longevity,73.5,baseline,0.873,0.697,False,,False,,494907.64,43699.57,39975.33,39937.12,9485.07,False,0,3.18,-6.77
LI-2024-INS004-004164,2010-11-22,15,79,94,1931,male,former_smoker,30.7,76,252,UT,USA,divorced,bachelors,white_collar,96471.97,0.7216,accelerated_UW,128,87,233,50,4.66,92,5.2,False,,20.0,True,False,False,True,False,none,,none,none,substance_use_disorder,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,34,UW-083,2.5,universal_life,500000,quarterly,8819.44,,10yr_declining,9483.04,,,False,none,captive_agent,False,False,False,0.246038,0.986176,SOA_2015_VBT,SOA_Scale_MP2023,2.616,cardiovascular,True,2016-08-11,False,False,719580.99,0.0007,5e-05,1.095,0.369057,0.005,False,,1.0,False,,,,0.04,0.0449,False,normal_rate,7.51,2.21,False,False,False,False,False,0.957,5.9,1.0,sub_standard_longevity,24.8,baseline,0.959,0.908,False,,False,,490516.96,3775.39,3268.11,3527.78,30162.48,False,0,1.87,-16.94
LI-2024-INS004-004165,2004-04-13,7,63,70,1941,male,former_smoker,26.6,70,185,NE,USA,widowed,bachelors,light_blue_collar,90422.34,0.6077,full_paramedical,140,86,200,40,5.0,79,,False,66.4,5.89,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-156,1.25,term_life,500000,annual,3461.24,20.0,none,,,,False,none,direct_to_consumer,True,False,False,0.031065,0.049321,SOA_2015_VBT,SOA_Scale_MP2023,1.281,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007766,0.008,False,,1.0,False,,,,0.05,0.085,False,normal_rate,4.35,2.02,False,False,False,False,False,0.797,23.2,17.5,standard_longevity,47.9,baseline,1.044,0.644,True,57.8,False,,500000.0,22813.08,21956.83,24228.68,7268.6,False,0,1.12,9.8
LI-2024-INS004-004166,2001-12-01,8,36,44,1965,male,unknown,15.0,69,101,CT,USA,divorced,some_college,white_collar,34210.94,0.9383,limited_exam,129,77,201,57,3.53,85,,False,79.2,1.04,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,declined,,,False,False,True,False,27,UW-233,7.0,whole_life,250000,quarterly,6803.05,,none,5950.9,,,False,none,worksite,False,False,False,0.003916,0.04336,SOA_2015_VBT,SOA_Scale_MP2023,6.369,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023498,0.015,False,,1.0,False,,,,0.02,0.019,False,normal_rate,4.45,0.98,False,False,False,False,False,0.814,55.7,49.4,super_preferred_longevity,100.0,baseline,0.796,0.853,True,45.1,False,,244049.1,49070.68,47581.82,54424.4,12925.79,False,0,-5.0,-20.0
LI-2024-INS004-004167,2011-11-17,2,29,31,1982,female,never_smoker,30.8,65,184,NV,USA,single,bachelors,white_collar,181862.15,0.4943,limited_exam,129,75,263,49,5.37,83,4.7,False,112.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-352,1.25,universal_life,5000000,monthly,16389.2,,15yr_declining,10956.43,,,True,none,independent_broker,False,False,False,0.001226,0.002134,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000306,0.02,False,,1.0,False,,,,0.08,0.047,False,normal_rate,4.19,0.85,False,False,False,False,False,0.786,67.9,55.0,super_preferred_longevity,100.0,baseline,1.129,0.606,False,,False,,4989043.57,141498.57,126486.52,131113.6,31139.48,False,0,4.6,7.3
LI-2024-INS004-004168,2014-07-10,9,21,30,1993,male,never_smoker,26.7,67,170,MN,USA,married,high_school,white_collar,25303.78,0.8184,full_paramedical,120,73,158,68,2.32,105,5.4,False,,,True,False,False,True,False,none,,none,none,substance_use_disorder,2,False,False,False,False,True,standard,,,False,True,False,False,50,UW-275,1.0,whole_life,500000,annual,1222.19,,none,1042.13,,,False,none,captive_agent,True,False,False,0.00146,0.001317,SOA_2015_VBT,SOA_Scale_MP2023,1.018,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.02,0.0209,False,normal_rate,2.9,1.52,False,False,False,False,False,0.995,70.0,56.6,super_preferred_longevity,100.0,baseline,0.886,0.695,True,42.9,False,,498957.87,9247.77,9136.6,9777.52,2322.16,False,0,2.72,20.6
LI-2024-INS004-004169,2000-01-12,20,28,48,1972,male,never_smoker,24.5,65,147,DE,USA,single,graduate,professional,60643.95,0.4579,accelerated_UW,139,82,193,56,3.45,119,5.9,False,86.1,1.7,False,False,False,False,False,none,,none,none,none,9,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,True,18,UW-320,1.25,whole_life,500000,monthly,2351.9,,none,3315.3,,,False,none,independent_broker,False,False,False,0.004587,0.008793,SOA_2015_VBT,SOA_Scale_MP2023,1.441,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001147,0.018,False,,1.0,False,,,,0.015,0.02,False,normal_rate,4.29,1.5,False,False,False,False,False,0.809,63.1,43.1,super_preferred_longevity,84.0,baseline,1.157,0.379,False,,False,,496684.7,19232.19,16785.4,18815.2,4468.61,False,0,0.12,17.03
LI-2024-INS004-004170,2001-03-22,19,67,86,1934,female,former_smoker,28.2,61,149,OR,USA,married,bachelors,professional,56849.45,0.484,accelerated_UW,148,93,258,42,6.14,85,5.8,False,61.4,,False,True,False,True,False,none,,none,none,depression,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,57,UW-163,2.5,term_life,1000000,monthly,18970.22,15.0,none,,,,True,coinsurance,employer_group,False,False,False,0.1033,0.459738,SOA_2015_VBT,SOA_Scale_MP2023,2.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.15495,0.005,False,,1.0,False,,,,0.03,0.0473,False,normal_rate,1.42,2.52,False,False,False,False,False,0.915,21.4,2.4,sub_standard_longevity,23.4,baseline,1.137,0.337,False,,False,,1000000.0,16998.72,18051.39,18211.41,62753.49,False,0,-2.67,-20.0
LI-2024-INS004-004171,2013-10-15,11,25,36,1988,female,unknown,24.7,68,162,KS,USA,married,bachelors,professional,99094.94,0.7763,full_paramedical,126,74,165,52,3.17,76,4.4,False,76.3,,False,False,False,True,False,none,,none,none,depression,1,False,True,False,True,True,substandard_table_6,,6.0,False,False,False,False,38,UW-374,2.5,term_life,250000,quarterly,1919.32,15.0,none,,,,False,none,captive_agent,False,False,False,0.001849,0.007174,SOA_2015_VBT,SOA_Scale_MP2023,2.593,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002774,0.02,False,,1.0,False,,,,0.03,0.0324,False,normal_rate,2.52,1.7,False,False,False,False,False,0.762,70.0,55.0,super_preferred_longevity,100.0,baseline,0.918,0.783,False,,False,,250000.0,15504.15,14490.81,15354.56,3646.71,False,0,3.35,-18.34
LI-2024-INS004-004172,2003-08-27,18,63,81,1940,female,never_smoker,29.2,68,191,AK,USA,divorced,less_than_hs,professional,134167.44,0.4829,full_paramedical,129,75,248,53,4.68,84,5.7,False,92.5,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-040,1.25,whole_life,100000,semi_annual,766.78,,none,977.61,,,False,none,independent_broker,True,False,False,0.049468,0.084638,SOA_2015_VBT,SOA_Scale_MP2023,1.284,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012367,0.008,False,,1.0,False,,,,0.015,0.0197,False,normal_rate,0.62,0.81,True,True,False,False,False,0.82,26.6,8.6,sub_standard_longevity,32.6,baseline,1.138,0.567,False,,False,,99022.39,2757.53,2681.03,2637.72,2156.19,False,0,3.87,8.12
LI-2024-INS004-004173,2004-01-01,19,32,51,1972,male,never_smoker,31.0,61,163,KS,USA,married,bachelors,white_collar,22144.56,0.8334,limited_exam,134,88,174,25,6.96,89,,False,80.7,1.1,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,19,UW-215,1.0,term_life,500000,monthly,1936.26,15.0,none,,,,False,none,captive_agent,False,False,False,0.005801,0.005299,SOA_2015_VBT,SOA_Scale_MP2023,1.044,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.03,0.031,False,normal_rate,2.43,1.19,False,False,False,False,False,0.811,60.6,41.6,super_preferred_longevity,87.4,baseline,0.875,0.761,False,,False,,500000.0,16051.69,15107.57,15490.08,3678.89,False,0,4.11,20.46
LI-2024-INS004-004174,2018-09-08,3,75,78,1943,male,former_smoker,24.6,67,157,ND,USA,single,high_school,professional,39177.25,0.449,full_paramedical,155,99,191,46,4.15,75,,False,56.9,4.45,False,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,53,UW-099,2.5,indexed_ul,500000,quarterly,9253.58,,10yr_declining,6540.73,,,False,none,employer_group,False,False,False,0.063474,0.291246,SOA_2015_VBT,SOA_Scale_MP2023,2.655,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.095211,0.008,False,,1.0,False,,,,0.08,0.0579,False,normal_rate,4.22,1.36,False,False,False,False,False,0.997,10.9,7.9,sub_standard_longevity,31.1,baseline,1.163,0.42,False,,False,,493459.27,28078.63,26793.57,29241.31,26539.27,False,0,2.02,-18.41
LI-2024-INS004-004175,2021-07-05,2,69,71,1952,female,former_smoker,31.6,71,226,HI,USA,single,bachelors,white_collar,40157.33,0.3631,simplified_issue,145,88,231,41,5.63,91,4.9,False,78.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-061,1.25,whole_life,1000000,semi_annual,8394.79,,none,5441.99,,,True,excess_of_loss,independent_broker,False,True,False,0.028109,0.062179,SOA_2015_VBT,SOA_Scale_MP2023,1.414,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007027,0.012,True,0.00636,1.0,False,,,,0.04,0.0564,False,normal_rate,3.27,1.44,False,False,False,False,False,0.883,22.2,20.2,standard_longevity,48.2,baseline,1.228,0.394,False,,False,,994558.01,73126.02,70180.23,67158.32,15950.1,False,0,7.0,8.31
LI-2024-INS004-004176,2010-08-27,3,37,40,1973,female,never_smoker,29.3,58,140,ME,USA,married,some_college,white_collar,44185.29,0.7355,non_med_guaranteed,119,70,173,46,3.76,97,4.8,False,94.0,,True,False,False,False,False,none,,none,none,none,6,False,False,True,False,True,preferred,,,False,False,False,False,37,UW-108,0.82,indexed_ul,2000000,quarterly,6225.32,,10yr_declining,4480.42,,,True,quota_share,bank,False,False,False,0.002066,0.001615,SOA_2015_VBT,SOA_Scale_MP2023,0.824,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.04,False,normal_rate,2.03,0.66,False,False,False,False,False,0.999,59.3,55.0,super_preferred_longevity,100.0,baseline,0.948,0.707,False,,False,,1995519.58,47809.72,47343.14,49802.56,11828.11,False,0,0.92,26.14
LI-2024-INS004-004177,2007-10-14,15,46,61,1961,male,never_smoker,27.4,71,196,IL,USA,single,graduate,white_collar,60763.88,0.3927,simplified_issue,136,87,210,38,5.53,77,5.0,False,82.9,1.07,False,False,True,True,False,none,,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,52,UW-235,1.0,annuity_immediate,500000,monthly,2580.01,,none,,,,False,none,employer_group,False,False,False,0.012514,0.015961,SOA_2015_VBT,SOA_Scale_MP2023,1.058,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.002,0.005,False,normal_rate,1.94,2.44,False,False,False,False,False,0.893,45.9,30.9,preferred_longevity,74.7,baseline,1.205,0.305,False,,False,,500000.0,18592.72,18627.27,20640.08,4902.02,False,0,0.89,10.65
LI-2024-INS004-004178,2005-02-27,12,59,71,1946,male,former_smoker,29.9,67,191,NY,USA,single,bachelors,light_blue_collar,35078.32,0.5259,full_paramedical,139,84,229,37,6.19,96,,False,,4.29,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-131,2.0,term_life,500000,annual,5193.02,20.0,none,,,,False,none,independent_broker,False,False,False,0.035289,0.12042,SOA_2015_VBT,SOA_Scale_MP2023,2.182,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.035289,0.008,False,,1.0,False,,,,0.03,0.0384,False,normal_rate,3.09,0.77,False,False,False,False,False,0.844,27.6,16.9,standard_longevity,45.7,baseline,1.106,0.565,True,58.8,False,,500000.0,34129.79,31239.42,35104.82,11154.61,False,0,2.51,-8.21
LI-2024-INS004-004179,2016-04-22,7,19,26,1997,male,never_smoker,21.7,66,134,AZ,USA,single,bachelors,professional,380978.25,0.5938,full_paramedical,107,71,178,57,3.12,82,,False,119.1,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,12,UW-397,0.79,term_life,2000000,monthly,3413.93,30.0,none,,,,True,none,captive_agent,False,False,False,0.001229,0.001,SOA_2015_VBT,SOA_Scale_MP2023,0.772,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.0612,False,normal_rate,2.47,0.53,False,False,False,False,False,0.985,70.0,55.0,super_preferred_longevity,100.0,baseline,1.055,0.727,False,,False,,2000000.0,24891.84,25273.34,27311.44,6486.47,False,0,2.96,24.34
LI-2024-INS004-004180,2004-11-24,9,45,54,1959,male,never_smoker,20.6,68,135,NC,USA,divorced,some_college,professional,86214.16,0.5966,accelerated_UW,129,82,180,64,2.81,97,5.7,False,89.5,2.41,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,True,11,UW-353,0.75,term_life,500000,monthly,1779.81,20.0,none,,,,False,none,bank,False,False,False,0.006875,0.006035,SOA_2015_VBT,SOA_Scale_MP2023,0.834,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.05,0.0611,False,normal_rate,3.95,1.15,False,False,False,False,False,0.992,44.2,39.0,preferred_longevity,79.9,baseline,1.053,0.481,True,66.1,False,,500000.0,15173.72,13763.17,14238.48,3381.64,False,0,4.2,33.21
LI-2024-INS004-004181,2008-12-14,16,50,66,1958,female,unknown,31.0,72,228,KS,USA,widowed,bachelors,professional,64245.64,0.6724,accelerated_UW,135,82,235,44,5.34,89,,False,81.2,,False,False,False,False,False,none,,none,none,substance_use_disorder,10,False,False,False,False,False,standard,,,False,True,False,True,17,UW-317,1.0,term_life,500000,annual,2463.28,15.0,none,,,,False,none,captive_agent,False,False,False,0.017293,0.01746,SOA_2015_VBT,SOA_Scale_MP2023,1.014,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0349,False,normal_rate,2.39,0.61,False,False,False,False,False,0.804,43.3,27.3,preferred_longevity,63.5,baseline,0.996,0.648,False,,False,,500000.0,20274.82,20335.02,19706.24,4680.23,False,0,2.96,22.66
LI-2024-INS004-004182,2008-11-19,11,60,71,1948,male,unknown,29.3,68,192,IA,USA,single,graduate,light_blue_collar,163573.22,0.715,full_paramedical,121,73,203,54,3.76,103,,False,61.5,6.76,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-032,1.25,annuity_immediate,250000,semi_annual,1676.35,,none,,,,False,none,bank,False,False,False,0.031723,0.050366,SOA_2015_VBT,SOA_Scale_MP2023,1.388,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007931,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,4.21,2.66,False,False,False,False,False,0.942,27.7,16.7,standard_longevity,48.3,baseline,0.964,0.931,False,,False,,250000.0,10569.75,10944.63,11198.02,3627.62,False,0,1.68,11.33
LI-2024-INS004-004183,2008-12-14,7,53,60,1955,male,never_smoker,33.8,71,242,WI,USA,married,some_college,hazardous,63059.32,0.3543,accelerated_UW,138,81,202,54,3.74,90,4.7,False,70.7,5.05,False,False,False,True,True,prostate,0.5,none,none,schizophrenia,1,False,False,False,False,True,standard,4.57,,True,True,False,True,33,UW-451,1.0,whole_life,1000000,monthly,5502.51,,none,4250.95,,,True,facultative,employer_group,False,False,False,0.010819,0.014276,SOA_2015_VBT,SOA_Scale_MP2023,1.069,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.034,False,normal_rate,3.42,0.99,False,False,False,False,False,0.949,34.6,27.6,standard_longevity,59.2,baseline,1.234,0.403,False,,False,,995749.05,43885.08,38629.58,44020.08,10454.77,False,0,4.2,22.97
LI-2024-INS004-004184,2015-05-28,12,76,88,1939,female,never_smoker,38.8,60,198,SD,USA,married,high_school,heavy_blue_collar,107485.41,0.416,accelerated_UW,159,105,266,42,6.33,103,5.3,False,48.2,,False,False,True,True,True,breast,4.9,none,none,none,0,False,False,True,False,True,substandard_table_6,0.93,6.0,False,False,False,True,51,UW-173,2.5,annuity_deferred,1000000,annual,21072.35,,none,21173.05,,,True,excess_of_loss,bank,False,True,False,0.096445,0.444859,SOA_2015_VBT,SOA_Scale_MP2023,2.62,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.144668,0.005,False,,1.0,False,,,,0.01,0.0137,False,normal_rate,3.3,1.95,False,False,False,False,False,0.763,15.9,4.4,standard_longevity,35.3,baseline,1.188,0.448,True,71.7,False,,978826.95,36992.09,34824.57,37087.34,66335.76,False,0,-0.07,-20.0
LI-2024-INS004-004185,2012-09-16,15,36,51,1976,female,never_smoker,34.6,58,165,MS,USA,divorced,high_school,white_collar,131823.2,0.3884,limited_exam,116,59,224,27,8.3,98,8.6,False,89.5,,True,False,False,False,False,none,,type_2,none,none,4,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,31,UW-087,2.25,universal_life,1000000,quarterly,9731.07,,15yr_declining,11248.74,4319.52,0.384,True,none,independent_broker,False,False,False,0.004641,0.01946,SOA_2015_VBT,SOA_Scale_MP2023,2.435,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005801,0.018,False,,1.0,False,,,,0.04,0.015,False,normal_rate,2.78,1.88,False,False,False,False,False,0.836,59.4,44.4,super_preferred_longevity,84.9,baseline,1.209,0.441,False,,False,,988751.26,72506.65,68809.66,77848.56,18489.03,False,0,-1.3,-11.39
LI-2024-INS004-004186,2004-04-25,5,77,82,1927,female,never_smoker,26.5,64,154,SD,USA,single,some_college,white_collar,100660.36,0.9504,non_med_guaranteed,141,86,215,39,5.51,90,,False,54.5,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-318,1.25,universal_life,5000000,semi_annual,44230.79,,10yr_declining,34503.24,,,True,quota_share,independent_broker,False,False,False,0.041667,0.054271,SOA_2015_VBT,SOA_Scale_MP2023,1.337,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010417,0.012,False,,1.0,False,,,,0.08,0.0338,False,normal_rate,3.09,2.75,False,False,False,False,False,0.965,12.8,7.8,standard_longevity,38.5,baseline,0.787,0.957,False,,False,,4965496.76,134038.94,134063.15,138000.06,127207.75,False,0,3.92,16.55
LI-2024-INS004-004187,2013-08-12,13,47,60,1966,non_binary,never_smoker,15.0,60,90,MS,USA,married,high_school,white_collar,186650.03,0.7731,full_paramedical,120,83,183,65,2.82,66,,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,declined,,,False,False,True,False,10,UW-163,7.0,term_life,500000,quarterly,18648.73,20.0,none,,,,False,none,employer_group,False,False,False,0.010987,0.144335,SOA_2015_VBT,SOA_Scale_MP2023,7.756,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.065922,0.015,False,,1.0,False,,,,0.03,0.0389,False,normal_rate,1.85,2.36,False,False,False,False,False,0.913,44.2,31.0,preferred_longevity,70.6,baseline,0.92,0.498,True,31.7,False,,500000.0,139648.45,139852.36,149189.84,35432.59,False,0,-5.0,-20.0
LI-2024-INS004-004188,2005-02-12,4,54,58,1951,male,never_smoker,29.8,65,178,ND,USA,divorced,bachelors,light_blue_collar,74027.41,0.6829,full_paramedical,143,94,215,46,4.67,123,,False,,4.74,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-413,1.5,term_life,100000,monthly,826.94,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.008704,0.018169,SOA_2015_VBT,SOA_Scale_MP2023,1.607,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004352,0.012,False,,1.0,True,2026-01-28,non_payment,4.0,0.07,0.1131,False,normal_rate,5.05,2.03,False,False,False,False,False,0.761,34.3,30.3,preferred_longevity,68.2,baseline,0.988,0.62,False,,False,,100000.0,6368.6,5933.82,6615.52,1571.19,False,0,2.15,14.0
LI-2024-INS004-004189,2024-09-22,1,42,43,1982,female,never_smoker,31.1,68,204,VA,USA,married,less_than_hs,professional,41384.83,0.7216,full_paramedical,118,69,153,55,2.78,92,,False,66.7,,True,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,standard_plus,,,False,False,False,False,47,UW-325,0.99,term_life,250000,annual,974.3,30.0,none,,,,False,none,captive_agent,False,False,False,0.002537,0.002299,SOA_2015_VBT,SOA_Scale_MP2023,0.945,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.1,0.1123,False,normal_rate,4.22,0.51,False,False,False,False,False,0.777,55.8,57.7,super_preferred_longevity,100.0,baseline,0.959,0.824,True,49.9,False,,250000.0,8206.18,8172.81,7794.4,1851.17,False,0,1.86,12.6
LI-2024-INS004-004190,2013-06-18,9,50,59,1963,female,never_smoker,26.9,67,171,CO,USA,single,high_school,hazardous,20000.0,0.2799,full_paramedical,139,87,264,51,5.18,84,,False,65.3,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,3.75,1.0,True,False,False,False,23,UW-028,1.25,whole_life,500000,monthly,2774.87,,none,2540.87,,,False,none,independent_broker,False,True,False,0.008705,0.018605,SOA_2015_VBT,SOA_Scale_MP2023,1.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002176,0.015,False,,1.0,False,,,,0.02,0.0295,False,normal_rate,3.14,1.46,False,False,False,False,False,0.863,42.8,33.8,preferred_longevity,67.4,baseline,1.29,0.194,False,,False,,497459.13,22984.73,21213.24,22198.96,5272.25,False,0,3.66,8.94
LI-2024-INS004-004191,2020-07-15,7,43,50,1977,female,never_smoker,24.0,72,176,IL,USA,married,less_than_hs,light_blue_collar,83850.4,0.6651,full_paramedical,126,79,247,41,6.02,93,5.0,False,70.1,,False,True,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-190,2.0,group_life,1000000,monthly,9408.13,,none,,,,True,facultative,worksite,False,False,False,0.004288,0.014439,SOA_2015_VBT,SOA_Scale_MP2023,2.077,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004288,0.018,True,0.00124,1.0,True,2026-01-03,non_payment,7.0,0.12,0.1402,False,normal_rate,2.58,1.62,False,False,False,False,False,0.826,53.7,46.7,super_preferred_longevity,92.5,baseline,1.001,0.691,False,,False,,1000000.0,72398.35,68892.73,75265.04,17875.45,False,0,0.92,-5.17
LI-2024-INS004-004192,2019-10-05,4,55,59,1964,male,never_smoker,23.5,66,145,VT,USA,divorced,bachelors,hazardous,20980.75,0.8519,limited_exam,128,86,219,54,4.06,103,,False,73.0,1.89,False,False,False,False,False,none,,none,none,bipolar,18,False,False,False,False,False,substandard_table_4,4.21,4.0,True,False,False,False,6,UW-384,2.0,group_life,500000,monthly,5568.44,,none,,,,False,none,captive_agent,False,False,False,0.011046,0.031249,SOA_2015_VBT,SOA_Scale_MP2023,2.124,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011046,0.015,False,,1.0,False,,,,0.15,0.1528,False,normal_rate,3.91,1.73,False,False,False,False,False,0.876,36.2,32.2,preferred_longevity,73.6,baseline,0.861,0.785,False,,False,,500000.0,40868.03,38680.2,44547.52,10580.04,False,0,-0.43,-2.55
LI-2024-INS004-004193,2006-08-13,15,18,33,1988,male,former_smoker,20.3,66,125,PA,USA,married,graduate,professional,143453.99,0.165,accelerated_UW,127,78,186,56,3.32,91,,False,99.8,,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,20,UW-124,2.0,term_life,1000000,monthly,5595.44,20.0,none,,,,True,coinsurance,worksite,False,False,False,0.002207,0.009014,SOA_2015_VBT,SOA_Scale_MP2023,2.241,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002207,0.02,False,,1.0,False,,,,0.03,0.047,False,normal_rate,2.24,2.53,False,False,False,False,False,0.758,70.0,55.0,super_preferred_longevity,97.5,baseline,1.376,0.152,False,,False,,1000000.0,45761.55,40757.59,44763.52,10631.34,False,0,3.97,-0.65
LI-2024-INS004-004194,2001-07-18,1,25,26,1976,male,former_smoker,32.5,70,226,ID,USA,single,graduate,heavy_blue_collar,28636.64,0.9676,limited_exam,109,62,180,49,3.67,102,5.0,False,94.0,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,1.27,,False,False,False,False,14,UW-489,0.92,whole_life,250000,monthly,566.76,,none,350.79,,,False,none,captive_agent,False,False,False,0.001597,0.001205,SOA_2015_VBT,SOA_Scale_MP2023,0.974,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0556,False,normal_rate,4.79,2.91,False,False,False,False,False,0.9,68.7,58.3,super_preferred_longevity,100.0,baseline,0.774,1.0,True,52.2,False,,249649.21,4919.16,4337.81,4534.08,1076.84,False,0,7.82,24.03
LI-2024-INS004-004195,2019-11-07,7,53,60,1966,male,never_smoker,26.4,64,153,NE,USA,married,graduate,white_collar,20000.0,0.5648,full_paramedical,131,86,194,67,2.9,109,5.3,False,71.7,9.55,False,False,False,False,False,none,,none,none,none,5,False,True,False,False,False,preferred,,,False,False,False,False,6,UW-261,0.79,whole_life,1000000,semi_annual,3779.81,,none,3072.44,,,True,none,worksite,False,False,False,0.012208,0.010315,SOA_2015_VBT,SOA_Scale_MP2023,0.785,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.025,False,normal_rate,4.38,1.72,False,False,False,False,False,0.83,37.4,30.4,preferred_longevity,66.6,baseline,1.076,0.453,False,,False,,996927.56,30640.51,30037.88,30238.48,7181.64,False,0,-0.3,22.54
LI-2024-INS004-004196,2010-03-16,13,57,70,1953,female,never_smoker,31.2,59,154,WI,USA,divorced,some_college,light_blue_collar,53232.95,0.4843,limited_exam,130,88,222,63,3.52,117,5.0,False,67.2,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-027,2.25,universal_life,2000000,semi_annual,25124.36,,10yr_declining,25077.67,,,True,none,employer_group,True,False,False,0.020055,0.080377,SOA_2015_VBT,SOA_Scale_MP2023,2.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.025069,0.012,False,,1.0,False,,,,0.04,0.063,False,normal_rate,3.11,1.75,False,False,False,False,True,0.827,34.8,21.8,standard_longevity,52.5,baseline,1.137,0.427,False,,False,,1974922.33,216996.47,192021.95,200994.88,47736.28,False,0,0.39,-12.87
LI-2024-INS004-004197,2017-09-19,5,50,55,1967,male,never_smoker,34.9,67,222,CA,USA,divorced,some_college,light_blue_collar,38324.62,0.5522,simplified_issue,135,86,248,23,10.78,112,4.9,False,96.4,4.3,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,21,UW-186,1.75,term_life,100000,annual,848.14,20.0,none,,,,False,none,independent_broker,False,False,False,0.008025,0.021696,SOA_2015_VBT,SOA_Scale_MP2023,1.799,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006019,0.015,False,,1.0,False,,,,0.07,0.0881,False,normal_rate,3.65,2.23,False,False,False,False,False,0.898,40.5,35.5,preferred_longevity,74.0,baseline,1.086,0.595,False,,False,,100000.0,6666.68,6596.01,6785.12,1611.47,False,0,-1.17,-5.03
LI-2024-INS004-004198,2021-06-07,1,36,37,1985,female,never_smoker,38.5,69,260,MT,USA,single,graduate,professional,226846.8,0.1651,full_paramedical,112,68,232,23,10.09,92,5.1,False,76.4,,False,False,False,False,False,none,,none,none,depression,8,True,False,False,False,False,substandard_table_3,4.29,3.0,True,False,False,False,28,UW-297,1.75,term_life,2000000,quarterly,11831.56,30.0,none,,,,True,none,bank,True,False,False,0.001707,0.011017,SOA_2015_VBT,SOA_Scale_MP2023,1.985,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001281,0.02,True,0.00507,1.0,True,2025-12-30,non_payment,1.0,0.1,0.2195,False,normal_rate,2.34,2.32,False,False,False,False,False,0.914,60.0,55.0,super_preferred_longevity,97.5,baseline,1.376,0.245,True,43.4,True,-0.596,2000000.0,98277.55,94489.69,94652.48,22479.96,False,0,2.2,-4.51
LI-2024-INS004-004199,2012-03-14,14,63,77,1949,male,never_smoker,26.0,65,156,AR,USA,widowed,some_college,white_collar,151798.25,0.789,full_paramedical,99,63,178,49,3.63,98,5.0,False,66.2,6.92,False,False,False,False,False,none,,none,none,none,14,False,False,False,False,False,standard_plus,,,False,False,False,False,23,UW-222,0.93,annuity_immediate,500000,quarterly,3001.46,,none,,,,False,none,worksite,False,False,False,0.046963,0.039455,SOA_2015_VBT,SOA_Scale_MP2023,0.925,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,4.24,2.28,False,False,False,False,False,0.953,25.1,12.3,standard_longevity,42.8,baseline,0.908,0.898,True,65.7,False,,500000.0,15292.49,14137.64,14767.18,7551.67,False,0,4.7,18.48
LI-2024-INS004-004200,2010-04-02,12,19,31,1991,male,never_smoker,30.8,64,179,AL,USA,divorced,high_school,professional,50115.54,0.2169,accelerated_UW,142,89,156,45,3.47,104,5.2,False,120.0,,False,False,True,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,24,UW-269,1.25,universal_life,1000000,annual,3662.05,,10yr_declining,3733.38,,,True,none,captive_agent,False,False,False,0.001532,0.003247,SOA_2015_VBT,SOA_Scale_MP2023,1.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000383,0.022,False,,1.0,False,,,,0.04,0.0611,False,normal_rate,3.21,1.65,False,False,False,False,False,0.921,70.0,55.0,super_preferred_longevity,100.0,baseline,1.337,0.386,False,,False,,996266.62,26882.57,30357.56,29296.4,6957.9,False,0,0.78,2.41
LI-2024-INS004-004201,2003-09-14,16,30,46,1973,male,never_smoker,22.8,66,141,MO,USA,divorced,high_school,hazardous,26444.52,0.3377,full_paramedical,128,85,209,57,3.67,111,,False,96.8,2.08,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_4,3.97,4.0,True,False,False,False,25,UW-074,2.0,term_life,500000,monthly,3320.07,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.003943,0.014773,SOA_2015_VBT,SOA_Scale_MP2023,2.203,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.018,False,,1.0,False,,,,0.03,0.0429,False,normal_rate,3.71,1.48,False,False,False,False,False,0.836,60.7,44.7,super_preferred_longevity,84.6,baseline,1.247,0.244,False,,False,,500000.0,24719.67,24489.57,26560.56,6308.13,False,0,-2.02,-14.68
LI-2024-INS004-004202,2016-10-26,9,32,41,1984,female,never_smoker,33.2,60,170,MO,USA,single,bachelors,light_blue_collar,38317.91,0.7967,full_paramedical,129,77,212,42,5.05,87,4.8,False,114.1,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-285,1.25,term_life,1000000,quarterly,4277.69,20.0,none,,,,True,excess_of_loss,bank,False,False,False,0.002209,0.003467,SOA_2015_VBT,SOA_Scale_MP2023,1.462,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000552,0.02,False,,1.0,False,,,,0.05,0.0531,False,normal_rate,3.14,2.48,False,False,False,False,False,0.821,66.4,55.0,super_preferred_longevity,100.0,baseline,0.902,0.705,False,,False,,1000000.0,34824.32,35165.47,34221.52,8127.61,False,0,2.7,14.62
LI-2024-INS004-004203,2016-08-21,1,32,33,1984,male,never_smoker,33.9,65,203,CA,USA,widowed,bachelors,white_collar,71262.45,0.4511,limited_exam,142,84,186,44,4.23,111,5.1,False,106.1,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-253,1.25,indexed_ul,2000000,monthly,6561.74,,10yr_declining,3859.9,,,True,none,bank,False,False,False,0.001698,0.003097,SOA_2015_VBT,SOA_Scale_MP2023,1.355,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000424,0.02,False,,1.0,False,,,,0.11,0.0663,False,normal_rate,3.82,0.81,False,False,False,False,False,0.979,61.0,55.0,super_preferred_longevity,100.0,baseline,1.162,0.554,False,,False,,1996140.1,54849.88,46807.25,52493.92,12467.31,False,0,5.15,14.08
LI-2024-INS004-004204,2004-06-15,3,34,37,1970,female,never_smoker,38.3,60,196,MN,USA,married,graduate,light_blue_collar,55415.84,0.5666,limited_exam,129,79,241,39,6.18,93,5.9,False,69.8,,False,False,False,False,False,none,,pre_diabetes,none,none,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,43,UW-429,1.5,universal_life,1000000,semi_annual,4324.58,,15yr_declining,2774.85,,,True,none,bank,False,False,False,0.001707,0.003952,SOA_2015_VBT,SOA_Scale_MP2023,1.688,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000854,0.018,False,,1.0,False,,,,0.08,0.0449,False,normal_rate,5.75,1.93,False,False,False,False,False,0.772,61.2,55.9,super_preferred_longevity,100.0,baseline,1.075,0.434,True,38.7,False,,997225.15,32667.84,30529.5,34596.64,8216.7,False,0,-5.0,10.0
LI-2024-INS004-004205,2017-01-10,1,68,69,1949,male,never_smoker,24.1,60,123,VT,USA,married,high_school,white_collar,46141.28,0.554,non_med_guaranteed,120,70,204,54,3.78,105,,False,,4.34,False,False,False,False,False,none,,none,none,none,14,False,True,False,False,False,preferred_plus,,,False,False,False,False,25,UW-124,0.7,universal_life,500000,monthly,2206.38,,10yr_declining,1418.64,,,False,none,worksite,False,False,False,0.023353,0.016614,SOA_2015_VBT,SOA_Scale_MP2023,0.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.12,0.0679,False,normal_rate,0.0,1.75,False,True,False,False,False,0.843,19.2,21.7,standard_longevity,53.4,baseline,1.085,0.392,True,87.3,False,,498581.36,17002.9,16933.75,17651.04,4192.12,False,0,4.43,17.8
LI-2024-INS004-004206,2005-03-12,8,71,79,1934,male,unknown,32.1,61,169,NY,USA,married,bachelors,hazardous,20000.0,0.2663,full_paramedical,144,95,220,51,4.31,85,5.4,False,59.6,2.81,False,False,True,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_2,3.11,2.0,True,False,False,False,30,UW-317,1.5,term_life,250000,monthly,2820.44,30.0,none,,,,False,none,direct_to_consumer,True,False,False,0.062571,0.165203,SOA_2015_VBT,SOA_Scale_MP2023,1.646,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031285,0.005,False,,1.0,False,,,,0.05,0.1041,False,normal_rate,1.84,1.87,False,False,False,False,False,0.966,15.6,7.6,standard_longevity,37.9,baseline,1.3,0.292,False,,False,,250000.0,9280.08,7375.13,8574.14,8156.71,False,0,3.05,-4.19
LI-2024-INS004-004207,2024-05-03,1,34,35,1990,female,never_smoker,24.9,72,183,AK,USA,married,some_college,professional,20000.0,0.9618,simplified_issue,122,81,151,44,3.43,107,5.8,False,118.1,,False,False,False,False,False,none,,none,none,schizophrenia,9,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-443,2.25,term_life,1000000,monthly,6140.92,15.0,none,,,,True,quota_share,employer_group,False,False,False,0.001517,0.004833,SOA_2015_VBT,SOA_Scale_MP2023,2.486,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.022,False,,1.0,False,,,,0.1,0.1117,False,normal_rate,2.83,0.81,False,False,False,True,False,0.872,66.1,55.0,super_preferred_longevity,100.0,baseline,0.779,0.744,False,,False,,1000000.0,50632.14,43942.12,49127.36,11667.75,False,0,-1.33,-10.03
LI-2024-INS004-004208,2007-08-20,19,47,66,1960,female,never_smoker,27.6,66,170,AR,USA,divorced,bachelors,white_collar,51416.65,0.3999,full_paramedical,143,81,263,39,6.74,122,5.1,False,72.2,,False,False,False,False,True,breast,3.2,none,none,bipolar,6,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,44,UW-143,2.0,indexed_ul,500000,monthly,5273.05,,10yr_declining,7110.33,,,False,none,employer_group,False,False,False,0.015173,0.054684,SOA_2015_VBT,SOA_Scale_MP2023,2.17,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015173,0.015,False,,1.0,False,,,,0.04,0.0662,False,normal_rate,4.82,1.83,False,False,False,False,False,0.783,45.8,26.8,standard_longevity,58.7,baseline,1.2,0.27,False,,False,,492889.67,44269.55,36197.38,42184.4,10018.79,False,0,2.45,-7.69
LI-2024-INS004-004209,2010-10-17,6,54,60,1956,female,never_smoker,34.6,70,241,ID,USA,single,some_college,hazardous,105870.2,0.5377,full_paramedical,142,83,227,52,4.37,141,9.2,False,,,True,False,True,False,False,none,,type_2,none,none,6,False,False,False,False,True,substandard_table_8,4.4,8.0,True,False,False,False,28,UW-463,3.0,term_life,500000,annual,8239.98,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.008761,0.04943,SOA_2015_VBT,SOA_Scale_MP2023,3.321,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017521,0.012,False,,1.0,True,2025-07-16,voluntary_surrender,6.0,0.05,0.0889,False,normal_rate,3.84,2.48,False,False,False,False,False,0.843,41.5,35.5,super_preferred_longevity,83.8,baseline,1.097,0.564,False,,False,,500000.0,61844.34,57127.58,65919.84,15655.96,False,0,-1.49,-20.0
LI-2024-INS004-004210,2016-03-10,6,24,30,1992,female,former_smoker,30.0,72,221,FL,USA,married,graduate,light_blue_collar,28549.16,0.8263,full_paramedical,128,85,215,57,3.77,113,,False,120.0,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-090,2.0,universal_life,2000000,quarterly,8925.36,,15yr_declining,6732.89,,,True,quota_share,independent_broker,False,False,False,0.001518,0.004312,SOA_2015_VBT,SOA_Scale_MP2023,2.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001518,0.022,False,,1.0,False,,,,0.06,0.0281,False,normal_rate,1.27,1.77,False,False,False,False,False,0.772,70.0,64.2,super_preferred_longevity,100.0,baseline,0.88,0.839,True,81.2,False,,1993267.11,75313.45,66673.79,71402.88,16958.18,False,0,-0.37,-4.54
LI-2024-INS004-004211,2014-05-03,12,42,54,1972,female,former_smoker,23.0,67,146,GA,USA,married,bachelors,white_collar,74402.31,0.2837,non_med_guaranteed,128,76,215,49,4.39,89,5.4,False,,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-126,2.0,whole_life,500000,monthly,5142.28,,none,4865.97,,,True,quota_share,employer_group,False,False,False,0.007688,0.028261,SOA_2015_VBT,SOA_Scale_MP2023,2.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007688,0.018,False,,1.0,False,,,,0.015,0.0265,False,normal_rate,3.07,2.17,False,False,False,False,False,0.914,52.4,40.4,preferred_longevity,77.4,baseline,1.287,0.318,False,,False,,495134.03,44837.7,36310.23,41138.24,9770.33,False,0,3.8,-13.17
LI-2024-INS004-004212,2023-01-10,4,42,46,1981,female,never_smoker,24.6,69,166,NV,USA,married,bachelors,professional,206157.43,0.7501,full_paramedical,112,66,211,63,3.35,88,,False,91.5,,True,True,True,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-463,2.25,whole_life,250000,annual,2312.45,,none,1734.8,,,False,none,direct_to_consumer,False,True,False,0.003155,0.011002,SOA_2015_VBT,SOA_Scale_MP2023,2.387,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003943,0.02,False,,1.0,False,,,,0.04,0.0616,False,normal_rate,5.14,0.71,False,False,False,False,False,0.933,58.8,54.8,super_preferred_longevity,100.0,baseline,0.937,0.865,False,,False,,248265.2,20060.94,18750.64,18499.6,4393.65,False,0,2.06,-16.5
LI-2024-INS004-004213,2016-10-26,2,45,47,1971,female,never_smoker,35.2,69,238,ID,USA,divorced,high_school,professional,179563.31,0.1858,full_paramedical,137,91,208,40,5.2,146,5.3,False,81.9,,False,False,False,True,False,none,,none,none,bipolar,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,49,UW-305,2.5,term_life,500000,quarterly,4556.89,30.0,none,,,,True,none,independent_broker,True,False,False,0.003401,0.017335,SOA_2015_VBT,SOA_Scale_MP2023,2.644,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005101,0.018,False,,1.0,False,,,,0.07,0.152,False,normal_rate,2.73,2.14,False,True,False,False,False,0.916,48.8,46.8,super_preferred_longevity,85.5,baseline,1.361,0.199,False,,False,,500000.0,39667.06,34767.35,36455.12,8658.09,False,0,0.8,-20.0
LI-2024-INS004-004214,2007-01-18,10,60,70,1947,female,never_smoker,29.2,68,191,AR,USA,married,graduate,light_blue_collar,69502.22,0.7392,simplified_issue,170,100,236,63,3.75,123,,False,,,False,True,False,False,True,melanoma,3.3,none,none,schizophrenia,9,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,37,UW-430,2.25,term_life,500000,annual,7274.38,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.020061,0.071305,SOA_2015_VBT,SOA_Scale_MP2023,2.437,cancer,True,2010-07-31,False,False,159203.59,0.0007,5e-05,1.095,0.025076,0.008,False,,1.0,False,,,,0.05,0.0554,False,normal_rate,2.63,1.19,False,False,False,False,False,0.827,31.6,23.1,standard_longevity,58.2,baseline,0.946,0.676,True,54.9,False,,500000.0,61126.22,59013.4,58195.04,13821.32,False,0,4.65,-5.55
LI-2024-INS004-004215,2002-05-06,3,63,66,1939,male,former_smoker,28.8,65,172,ND,USA,married,bachelors,heavy_blue_collar,30350.43,0.2554,full_paramedical,115,74,185,49,3.78,114,,False,,3.24,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,1.08,5.0,False,False,False,False,24,UW-242,2.25,whole_life,250000,semi_annual,2823.84,,none,2054.62,,,False,none,captive_agent,True,False,False,0.023342,0.104217,SOA_2015_VBT,SOA_Scale_MP2023,2.457,cardiovascular,True,2004-07-27,False,False,187465.46,0.0007,5e-05,1.095,0.029177,0.005,False,,1.0,False,,,,0.04,0.0838,False,normal_rate,3.88,2.72,False,False,False,False,False,0.973,21.3,19.3,standard_longevity,45.3,baseline,1.308,0.142,True,50.1,False,,247945.38,23749.62,21186.87,21800.04,5523.43,False,0,2.74,-13.28
LI-2024-INS004-004216,2011-12-02,9,18,27,1993,male,never_smoker,29.3,76,240,SC,USA,divorced,some_college,heavy_blue_collar,50233.18,0.3111,limited_exam,140,78,189,43,4.4,116,5.9,False,,,False,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,1.18,1.0,False,False,False,False,13,UW-121,1.25,indexed_ul,100000,monthly,272.13,,15yr_declining,244.33,,,False,none,captive_agent,False,False,False,0.001279,0.002356,SOA_2015_VBT,SOA_Scale_MP2023,1.257,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00032,0.022,False,,1.0,False,,,,0.06,0.0392,False,normal_rate,2.84,2.25,False,False,False,False,False,0.988,70.0,55.0,super_preferred_longevity,99.7,baseline,1.267,0.361,False,,False,,99755.67,2116.72,2135.98,2177.04,517.05,False,0,2.51,8.57
LI-2024-INS004-004217,2014-06-14,1,79,80,1935,male,never_smoker,25.1,73,190,MS,USA,married,high_school,heavy_blue_collar,116531.15,0.7059,limited_exam,126,70,228,38,6.0,110,5.3,False,36.5,4.87,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,0.75,1.0,False,False,False,False,21,UW-353,1.25,whole_life,500000,monthly,4370.33,,none,2609.75,,,False,none,direct_to_consumer,False,False,False,0.05964,0.097454,SOA_2015_VBT,SOA_Scale_MP2023,1.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01491,0.005,False,,1.0,False,,,,0.06,0.0954,False,normal_rate,5.67,2.42,False,False,False,False,False,0.77,6.5,5.5,sub_standard_longevity,31.3,baseline,0.971,0.666,False,,False,,497390.25,10074.43,8717.04,9614.73,13373.21,False,0,5.51,14.58
LI-2024-INS004-004218,2022-12-16,1,33,34,1989,male,never_smoker,29.4,75,235,NH,USA,married,graduate,professional,124294.58,0.5366,limited_exam,128,83,185,54,3.43,97,5.2,False,72.8,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,preferred,,,False,False,False,False,27,UW-395,0.82,term_life,500000,monthly,1065.86,15.0,none,,,,False,none,independent_broker,False,False,False,0.001792,0.004575,SOA_2015_VBT,SOA_Scale_MP2023,0.778,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00304,1.0,False,,,,0.1,0.1271,False,normal_rate,2.1,2.87,False,False,False,False,False,0.937,61.1,55.0,super_preferred_longevity,100.0,baseline,1.098,0.529,False,,False,,500000.0,7886.52,8367.34,8526.88,2025.13,False,0,5.0,22.05
LI-2024-INS004-004219,2018-09-09,5,29,34,1989,female,never_smoker,32.8,60,168,MA,USA,single,bachelors,heavy_blue_collar,81290.01,0.9313,full_paramedical,146,82,146,52,2.81,99,4.9,True,,,False,False,False,False,True,lymphoma,3.9,none,none,none,3,False,False,False,False,True,declined,,,False,False,True,False,39,UW-456,7.0,annuity_deferred,2000000,monthly,38919.71,,none,30509.27,,,True,none,direct_to_consumer,False,False,False,0.002868,0.031802,SOA_2015_VBT,SOA_Scale_MP2023,6.349,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017208,0.02,False,,1.0,False,,,,0.04,0.0535,False,normal_rate,2.02,0.87,False,False,False,False,False,0.785,70.0,62.5,super_preferred_longevity,100.0,baseline,0.802,0.956,True,73.4,False,,1969490.73,311549.11,279067.57,311357.68,73947.45,False,0,-5.0,-20.0
LI-2024-INS004-004220,2008-02-26,13,21,34,1987,male,never_smoker,29.8,64,173,WY,USA,single,high_school,light_blue_collar,78275.16,0.7749,non_med_guaranteed,133,83,216,55,3.93,103,5.0,False,107.2,,False,False,False,False,False,none,,none,none,depression,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-381,1.25,term_life,500000,semi_annual,1696.48,30.0,none,,,,False,none,captive_agent,False,False,False,0.001792,0.002714,SOA_2015_VBT,SOA_Scale_MP2023,1.376,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000448,0.02,False,,1.0,False,,,,0.03,0.0324,False,normal_rate,4.01,0.96,False,False,False,False,False,0.828,70.0,65.7,super_preferred_longevity,100.0,baseline,0.919,0.742,True,87.7,False,,500000.0,14479.48,11850.22,13571.84,3223.31,False,0,3.15,13.65
LI-2024-INS004-004221,2020-06-21,7,35,42,1985,female,never_smoker,30.6,72,225,IL,USA,divorced,high_school,light_blue_collar,116017.72,0.2801,accelerated_UW,133,81,191,57,3.35,114,5.7,False,,,False,True,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,standard_plus,,,False,False,False,True,8,UW-318,0.97,whole_life,2000000,monthly,7809.52,,none,6094.35,,,True,facultative,direct_to_consumer,False,False,False,0.002366,0.0097,SOA_2015_VBT,SOA_Scale_MP2023,0.928,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00687,1.0,False,,,,0.02,0.0413,False,normal_rate,4.22,0.7,False,False,False,False,False,0.901,61.5,59.5,super_preferred_longevity,100.0,baseline,1.29,0.0,True,61.3,False,,1993905.65,67763.03,54393.88,62476.16,14838.09,False,0,3.04,22.41
LI-2024-INS004-004222,2002-10-19,23,34,57,1968,female,never_smoker,28.7,61,151,MN,USA,married,bachelors,white_collar,110722.87,0.4052,limited_exam,108,73,139,47,2.96,81,,False,93.9,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,15,UW-192,0.61,term_life,500000,monthly,1567.22,20.0,none,,,,False,none,captive_agent,False,False,False,0.007582,0.005187,SOA_2015_VBT,SOA_Scale_MP2023,0.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0413,False,normal_rate,2.97,2.69,False,False,False,False,False,0.957,60.0,37.0,preferred_longevity,74.1,baseline,1.196,0.406,False,,False,,500000.0,11413.94,12111.31,12537.76,2977.72,False,0,2.57,22.16
LI-2024-INS004-004223,2021-08-13,3,34,37,1987,female,never_smoker,21.6,59,107,AZ,USA,divorced,bachelors,light_blue_collar,24814.71,0.46,full_paramedical,110,63,216,53,4.08,64,5.2,False,95.8,,False,False,True,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-085,2.0,universal_life,100000,semi_annual,621.4,,10yr_declining,393.21,,,False,none,captive_agent,False,False,False,0.001707,0.010476,SOA_2015_VBT,SOA_Scale_MP2023,2.105,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001707,0.02,True,0.00462,1.0,False,,,,0.08,0.048,False,normal_rate,4.31,0.93,False,False,False,False,False,0.821,66.5,55.0,super_preferred_longevity,100.0,baseline,1.155,0.619,False,,False,,99606.79,5278.64,4567.22,4971.2,1180.66,False,0,3.06,-6.86
LI-2024-INS004-004224,2008-06-25,3,35,38,1973,male,former_smoker,27.3,60,139,IA,USA,divorced,bachelors,white_collar,32922.96,0.8835,full_paramedical,104,61,219,50,4.38,112,,False,,,False,False,False,False,False,none,,none,none,depression,11,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,43,UW-073,1.25,term_life,100000,annual,354.66,25.0,none,,,,True,none,captive_agent,True,False,False,0.002951,0.004042,SOA_2015_VBT,SOA_Scale_MP2023,1.337,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000738,0.018,False,,1.0,True,2025-12-11,non_payment,3.0,0.07,0.0695,False,normal_rate,6.34,2.92,False,False,False,False,False,0.779,57.9,54.9,super_preferred_longevity,100.0,baseline,0.837,0.701,False,,False,,100000.0,2758.91,2486.47,2837.28,673.85,False,0,-0.02,9.43
LI-2024-INS004-004225,2013-05-26,12,21,33,1992,male,never_smoker,35.6,74,277,TN,USA,single,bachelors,white_collar,169195.81,0.8278,full_paramedical,114,74,188,51,3.69,96,5.0,False,,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,22,UW-058,2.25,indexed_ul,500000,quarterly,3139.97,,10yr_declining,3218.49,,,False,none,direct_to_consumer,False,False,False,0.001698,0.00554,SOA_2015_VBT,SOA_Scale_MP2023,2.29,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002122,0.022,False,,1.0,False,,,,0.04,0.0581,False,normal_rate,3.59,0.64,False,False,False,True,False,0.774,70.0,55.0,super_preferred_longevity,100.0,baseline,0.879,0.721,False,,False,,496781.51,23217.83,24276.4,25119.76,5965.94,False,0,-0.32,-11.95
LI-2024-INS004-004226,2017-12-28,9,63,72,1954,female,former_smoker,32.3,63,182,KS,USA,single,bachelors,white_collar,29136.92,0.824,full_paramedical,140,93,252,53,4.75,82,5.7,False,87.5,,True,False,False,False,True,breast,2.2,none,none,bipolar,3,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,29,UW-462,2.0,whole_life,500000,monthly,6594.21,,none,5691.95,,,True,facultative,bank,True,False,False,0.031426,0.092515,SOA_2015_VBT,SOA_Scale_MP2023,2.204,respiratory,True,2025-01-16,False,False,1829542.87,0.0007,5e-05,1.095,0.031426,0.012,False,,1.0,False,,,,0.02,0.0208,False,normal_rate,2.96,1.03,False,False,False,False,False,0.969,30.4,20.4,standard_longevity,55.5,baseline,0.882,0.924,True,19.5,True,-0.039,494308.05,57923.57,48104.5,52753.68,12529.0,False,0,1.47,-2.76
LI-2024-INS004-004227,2012-08-20,14,21,35,1991,male,never_smoker,28.5,63,160,KY,USA,married,graduate,professional,67129.81,0.4447,full_paramedical,138,99,188,61,3.08,125,4.7,False,78.7,,True,False,False,False,False,none,,none,none,bipolar,10,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,49,UW-035,2.0,indexed_ul,1000000,monthly,6705.18,,15yr_declining,7327.72,,,True,none,independent_broker,False,False,False,0.001896,0.006687,SOA_2015_VBT,SOA_Scale_MP2023,2.166,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.022,False,,1.0,False,,,,0.04,0.0242,False,normal_rate,2.89,1.14,False,False,False,False,False,0.872,70.0,55.0,super_preferred_longevity,100.0,baseline,1.166,0.646,False,,False,,992672.28,49755.53,55450.73,53641.44,12739.84,False,0,2.2,-10.63
LI-2024-INS004-004228,2020-12-12,7,69,76,1951,female,never_smoker,28.2,67,179,ME,USA,married,bachelors,heavy_blue_collar,103852.49,0.1817,non_med_guaranteed,126,81,218,56,3.89,111,5.3,False,93.2,,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,1.17,,False,False,False,False,19,UW-284,0.56,term_life,250000,monthly,802.75,25.0,none,,,,False,none,captive_agent,False,False,False,0.033066,0.036561,SOA_2015_VBT,SOA_Scale_MP2023,0.65,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00725,1.0,False,,,,0.05,0.0777,False,normal_rate,2.39,2.37,False,False,False,False,False,0.953,24.3,17.3,standard_longevity,51.2,baseline,1.364,0.175,False,,False,,250000.0,5793.54,5126.5,5555.03,1698.62,False,0,4.77,29.45
LI-2024-INS004-004229,2011-10-19,8,61,69,1950,female,current_smoker,16.3,59,90,MS,USA,married,some_college,white_collar,99742.57,0.7544,full_paramedical,146,90,178,77,2.31,60,5.0,True,90.8,,True,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,15,UW-398,2.75,term_life,2000000,annual,28053.76,20.0,none,,,,True,facultative,independent_broker,True,False,False,0.035451,0.156395,SOA_2015_VBT,SOA_Scale_MP2023,2.849,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.06204,0.012,False,,1.0,False,,,,0.05,0.0548,False,normal_rate,2.35,0.76,False,False,False,False,False,0.92,31.5,23.5,standard_longevity,59.1,baseline,0.934,0.756,False,,False,,2000000.0,246282.51,205152.11,224430.08,53302.14,False,0,0.61,-20.0
LI-2024-INS004-004230,2005-10-22,14,52,66,1953,female,never_smoker,24.0,58,115,IL,USA,single,bachelors,professional,38774.56,0.9232,full_paramedical,153,97,173,71,2.44,100,,False,85.0,,False,False,True,False,False,none,,none,none,none,12,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-057,1.5,annuity_deferred,250000,semi_annual,2328.83,,none,2457.15,,,True,none,captive_agent,False,False,False,0.014157,0.026903,SOA_2015_VBT,SOA_Scale_MP2023,1.734,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007078,0.012,False,,1.0,False,,,,0.01,0.0096,False,normal_rate,4.53,1.18,False,False,False,False,False,0.862,44.6,30.6,super_preferred_longevity,82.2,baseline,0.808,0.956,False,,False,,247542.85,18006.9,17681.53,18630.64,4424.78,False,0,3.77,7.62
LI-2024-INS004-004231,2018-03-07,7,21,28,1997,male,never_smoker,33.6,76,275,TX,USA,single,some_college,hazardous,136668.6,0.7357,accelerated_UW,117,72,153,48,3.19,118,7.7,False,101.7,,False,False,False,False,False,none,,type_2,none,depression,0,False,True,False,False,True,substandard_table_5,2.82,5.0,True,False,False,True,41,UW-108,2.25,universal_life,500000,annual,2589.69,,10yr_declining,2130.14,,,False,none,captive_agent,False,False,False,0.001334,0.004822,SOA_2015_VBT,SOA_Scale_MP2023,2.494,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001667,0.022,False,,1.0,False,,,,0.06,0.03,False,normal_rate,2.5,2.25,False,False,False,False,False,0.751,70.0,55.0,super_preferred_longevity,100.0,baseline,0.948,0.692,False,,False,,497869.86,21518.03,21457.39,20717.52,4920.41,False,0,1.96,-14.91
LI-2024-INS004-004232,2002-10-01,24,43,67,1959,female,never_smoker,32.5,67,207,CT,USA,divorced,high_school,light_blue_collar,61575.28,0.5488,full_paramedical,128,79,200,25,8.0,88,5.0,False,69.8,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,36,UW-202,1.5,term_life,250000,monthly,2296.01,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.016601,0.039488,SOA_2015_VBT,SOA_Scale_MP2023,1.726,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008301,0.012,False,,1.0,False,,,,0.03,0.053,False,normal_rate,4.34,2.93,False,False,False,False,False,0.99,50.0,26.0,standard_longevity,59.7,baseline,1.088,0.691,False,,False,,250000.0,18123.03,19079.81,18368.08,4362.42,False,0,3.58,12.5
LI-2024-INS004-004233,2005-11-18,10,65,75,1940,male,never_smoker,28.1,63,158,ND,USA,divorced,some_college,professional,29191.27,0.2009,non_med_guaranteed,141,81,233,60,3.88,108,4.9,False,66.3,8.3,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,35,UW-118,1.25,annuity_deferred,1000000,monthly,7871.1,,none,7468.05,,,True,coinsurance,bank,False,False,False,0.036692,0.072198,SOA_2015_VBT,SOA_Scale_MP2023,1.273,cancer,True,2009-12-23,False,False,1034190.56,0.0007,5e-05,1.095,0.009173,0.008,False,,1.0,False,,,,0.02,0.0308,False,normal_rate,2.8,0.57,False,False,False,False,False,0.811,19.4,9.4,sub_standard_longevity,29.6,baseline,1.349,0.441,False,,False,,992531.95,27276.64,28801.67,29595.34,21629.78,False,0,5.26,13.93
LI-2024-INS004-004234,2018-04-04,6,62,68,1956,female,former_smoker,27.9,67,177,ID,USA,married,some_college,white_collar,463989.04,0.8658,simplified_issue,132,77,229,42,5.45,103,5.2,False,87.2,,False,False,False,False,True,melanoma,15.5,none,none,none,1,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,45,UW-173,1.5,term_life,1000000,monthly,7518.05,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.022707,0.041736,SOA_2015_VBT,SOA_Scale_MP2023,1.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011353,0.012,False,,1.0,False,,,,0.05,0.0504,False,normal_rate,1.33,2.8,False,False,False,False,False,0.84,31.8,25.8,preferred_longevity,64.2,baseline,0.851,0.705,False,,False,,1000000.0,63892.19,60931.87,60144.4,14284.29,False,0,3.12,5.21
LI-2024-INS004-004235,2017-09-07,5,55,60,1962,male,never_smoker,23.2,76,190,KS,USA,married,some_college,light_blue_collar,107194.36,0.7458,full_paramedical,131,78,218,67,3.25,70,4.9,False,72.2,3.62,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-483,2.0,whole_life,1000000,monthly,11138.13,,none,8194.89,5711.84,0.697,True,none,captive_agent,False,False,False,0.011667,0.035283,SOA_2015_VBT,SOA_Scale_MP2023,2.152,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011667,0.015,False,,1.0,False,,,,0.04,0.0265,False,normal_rate,5.43,2.04,False,False,False,False,False,0.87,35.5,36.9,preferred_longevity,79.0,baseline,0.941,0.83,True,91.5,False,,991805.11,93158.72,83478.33,89105.04,21162.45,False,0,1.81,-0.07
LI-2024-INS004-004236,2016-09-26,10,75,85,1941,female,former_smoker,33.9,70,236,CO,USA,married,bachelors,professional,20000.0,0.6268,full_paramedical,153,97,249,40,6.22,133,5.9,False,96.0,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-300,2.0,universal_life,500000,quarterly,6272.29,,10yr_declining,5797.46,,,False,none,direct_to_consumer,False,False,False,0.091401,0.296989,SOA_2015_VBT,SOA_Scale_MP2023,2.184,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.091401,0.008,False,,1.0,False,,,,0.06,0.0453,False,normal_rate,2.55,0.64,False,False,False,False,False,0.991,15.3,5.2,sub_standard_longevity,29.7,baseline,1.03,0.657,True,28.0,False,,494202.54,14297.05,11486.45,13046.36,19343.74,False,0,-0.66,-5.84
LI-2024-INS004-004237,2011-03-22,8,73,81,1938,female,current_smoker,27.8,68,183,NE,USA,married,some_college,professional,137235.52,0.8398,full_paramedical,147,94,259,52,4.98,98,5.0,True,,,True,False,False,False,False,none,,none,moderate_gold_2,none,7,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,24,UW-219,2.5,whole_life,100000,annual,1918.66,,none,1704.83,,,False,none,employer_group,False,False,False,0.10563,0.396778,SOA_2015_VBT,SOA_Scale_MP2023,2.593,cardiovascular,True,2012-07-27,True,False,1571672.67,0.0007,5e-05,1.095,0.158445,0.005,False,,1.0,False,,,,0.02,0.0247,False,normal_rate,2.13,0.97,False,False,False,False,False,0.857,17.5,9.4,standard_longevity,39.2,baseline,0.87,0.851,True,30.4,False,,98295.17,6585.48,6814.85,7214.16,5272.48,False,0,1.26,-15.07
LI-2024-INS004-004238,2003-05-15,24,60,84,1943,male,current_smoker,23.7,62,129,OH,USA,married,graduate,light_blue_collar,22995.05,0.8123,accelerated_UW,163,103,174,52,3.35,63,5.0,True,84.6,20.0,False,True,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,True,14,UW-239,2.75,whole_life,1000000,annual,17791.3,,none,29442.1,7625.5,0.259,True,none,independent_broker,False,False,False,0.163997,0.702753,SOA_2015_VBT,SOA_Scale_MP2023,2.846,cardiovascular,True,2019-09-24,False,False,809711.24,0.0007,5e-05,1.095,0.286995,0.008,False,,1.0,False,,,,0.015,0.0095,False,normal_rate,3.67,0.73,False,False,False,False,False,0.828,27.3,3.5,sub_standard_longevity,29.9,baseline,0.891,0.801,True,56.1,False,,970557.9,24615.57,21215.8,24907.82,57287.99,False,0,1.35,-20.0
LI-2024-INS004-004239,2016-06-19,7,80,87,1936,male,never_smoker,28.5,73,215,OH,USA,married,some_college,professional,111126.66,0.8826,full_paramedical,124,81,252,54,4.67,118,,False,,5.85,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-318,1.25,universal_life,500000,annual,4893.12,,10yr_declining,4074.79,,,False,none,captive_agent,False,False,False,0.109181,0.161433,SOA_2015_VBT,SOA_Scale_MP2023,1.466,neurological,True,2019-04-14,False,False,1198717.64,0.0007,5e-05,1.095,0.027295,0.005,False,,1.0,False,,,,0.06,0.0268,False,normal_rate,3.65,1.49,False,False,False,False,False,0.995,6.3,1.0,sub_standard_longevity,27.2,baseline,0.838,0.879,False,,False,,495925.21,1913.83,1817.73,1957.25,16734.47,False,0,5.01,20.64
LI-2024-INS004-004240,2006-06-23,2,38,40,1968,female,current_smoker,35.6,69,241,WA,USA,married,some_college,heavy_blue_collar,58370.76,0.1381,full_paramedical,112,68,160,47,3.4,98,7.6,True,,,True,False,True,False,False,none,,type_2,none,schizophrenia,8,False,False,False,False,True,substandard_table_7,0.68,7.0,False,False,False,False,30,UW-084,2.75,indexed_ul,500000,monthly,4300.37,,10yr_declining,2948.63,,,True,excess_of_loss,independent_broker,False,False,False,0.004132,0.023884,SOA_2015_VBT,SOA_Scale_MP2023,2.886,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007231,0.015,False,,1.0,False,,,,0.08,0.0801,False,normal_rate,5.01,2.57,False,False,False,False,False,0.934,58.0,55.0,super_preferred_longevity,100.0,baseline,1.396,0.011,False,,False,,497051.37,34132.99,32768.66,34402.96,8170.7,False,0,2.18,-20.0
LI-2024-INS004-004241,2024-07-27,1,80,81,1944,male,never_smoker,18.8,73,142,ID,USA,divorced,bachelors,white_collar,87073.45,0.6166,full_paramedical,133,78,238,57,4.18,68,5.2,False,63.8,10.07,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-149,2.0,term_life,500000,monthly,7719.5,20.0,none,,,,False,none,captive_agent,False,False,False,0.063854,0.209012,SOA_2015_VBT,SOA_Scale_MP2023,2.191,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.063854,0.008,False,,1.0,False,,,,0.1,0.1207,False,normal_rate,3.98,2.12,False,False,False,False,False,0.876,9.7,8.6,standard_longevity,44.6,baseline,1.038,0.497,True,30.0,False,,500000.0,25821.96,26212.13,26555.08,21707.23,False,0,2.74,-6.99
LI-2024-INS004-004242,2010-01-06,3,44,47,1966,male,never_smoker,27.7,73,210,NJ,USA,married,bachelors,light_blue_collar,47464.23,0.7775,non_med_guaranteed,131,76,209,58,3.6,97,,False,94.4,2.06,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-205,2.25,whole_life,1000000,monthly,9464.72,,none,6397.74,,,True,quota_share,independent_broker,False,True,False,0.004251,0.014952,SOA_2015_VBT,SOA_Scale_MP2023,2.473,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005314,0.015,False,,1.0,False,,,,0.04,0.0431,False,normal_rate,4.03,2.32,False,False,False,False,False,0.977,47.2,44.2,super_preferred_longevity,90.5,baseline,0.917,0.806,False,,False,,993602.26,69321.61,76597.41,75717.76,17982.97,False,0,0.74,-15.89
LI-2024-INS004-004243,2001-05-22,13,36,49,1965,female,never_smoker,38.5,59,190,LA,USA,married,high_school,white_collar,88589.15,0.4643,full_paramedical,147,98,204,49,4.16,98,5.3,False,89.5,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,20,UW-367,1.5,term_life,250000,annual,1733.39,25.0,none,,,,False,none,employer_group,False,False,False,0.003965,0.009805,SOA_2015_VBT,SOA_Scale_MP2023,1.713,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001982,0.015,False,,1.0,False,,,,0.03,0.0478,False,normal_rate,3.21,1.87,False,False,False,False,False,0.779,60.8,47.8,super_preferred_longevity,100.0,baseline,1.152,0.454,False,,False,,250000.0,15222.76,13771.36,13867.12,3293.44,False,0,3.88,10.79
LI-2024-INS004-004244,2020-10-15,7,23,30,1997,male,never_smoker,17.4,76,142,NV,USA,married,some_college,white_collar,78376.9,0.403,simplified_issue,123,85,179,67,2.67,91,6.0,False,105.6,,False,False,False,False,True,prostate,10.6,none,none,schizophrenia,6,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,42,UW-012,2.25,term_life,1000000,monthly,4947.35,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.00146,0.008229,SOA_2015_VBT,SOA_Scale_MP2023,2.439,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,True,0.00214,1.0,False,,,,0.05,0.0689,False,normal_rate,2.88,1.62,False,False,False,False,False,0.929,70.0,55.0,super_preferred_longevity,100.0,baseline,1.198,0.401,False,,False,,1000000.0,35684.85,40768.19,39578.8,9399.97,False,0,-1.86,-10.98
LI-2024-INS004-004245,2023-01-15,2,23,25,2000,male,current_smoker,29.9,68,196,ID,USA,married,high_school,white_collar,33899.4,0.2758,limited_exam,142,90,211,46,4.59,97,,True,99.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,11,False,False,False,False,False,standard,,,False,True,False,False,19,UW-465,1.0,universal_life,100000,semi_annual,215.56,,15yr_declining,151.42,,,False,none,captive_agent,False,False,False,0.002365,0.00331,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0746,False,normal_rate,1.52,1.01,False,False,False,False,False,0.882,70.0,63.9,super_preferred_longevity,100.0,baseline,1.293,0.39,True,79.9,False,,99848.58,1879.79,1666.55,1724.48,409.56,False,0,0.58,19.68
LI-2024-INS004-004246,2018-03-19,9,50,59,1968,male,former_smoker,31.3,61,165,AZ,USA,married,graduate,professional,28344.7,0.24,accelerated_UW,123,93,242,39,6.21,73,,False,78.0,0.89,True,False,False,False,False,none,,none,none,anxiety,15,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,22,UW-389,1.5,term_life,250000,quarterly,1777.69,20.0,none,,,,False,none,independent_broker,False,False,False,0.014579,0.040755,SOA_2015_VBT,SOA_Scale_MP2023,1.739,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00729,0.015,False,,1.0,False,,,,0.05,0.0754,False,normal_rate,2.26,1.17,False,False,False,False,False,0.962,39.4,30.4,preferred_longevity,61.7,baseline,1.32,0.196,False,,False,,250000.0,14245.28,13421.13,14221.52,3377.61,False,0,0.7,-2.27
LI-2024-INS004-004247,2003-11-15,16,41,57,1962,male,never_smoker,24.6,60,125,MI,USA,married,bachelors,professional,55198.92,0.1307,full_paramedical,134,76,166,42,3.95,106,5.1,False,80.2,7.6,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,preferred,,,False,False,False,False,29,UW-119,0.8,whole_life,2000000,quarterly,8457.65,,none,10140.87,,,True,none,employer_group,False,False,False,0.009057,0.010082,SOA_2015_VBT,SOA_Scale_MP2023,0.794,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.015,0.0287,False,normal_rate,3.81,2.91,False,False,False,False,False,0.854,47.0,29.9,standard_longevity,59.3,baseline,1.402,0.183,False,,True,-0.718,1989859.13,67261.43,68751.47,67661.2,16069.53,False,0,4.26,16.69
LI-2024-INS004-004248,2011-09-03,16,46,62,1965,female,former_smoker,34.4,70,239,VT,USA,single,bachelors,white_collar,65031.05,0.2714,simplified_issue,126,91,202,38,5.32,107,5.5,False,64.1,,False,False,False,False,False,none,,none,none,none,2,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,67,UW-134,1.25,term_life,2000000,monthly,11967.79,20.0,none,,,,True,coinsurance,employer_group,False,False,False,0.015062,0.031923,SOA_2015_VBT,SOA_Scale_MP2023,1.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003765,0.015,False,,1.0,False,,,,0.03,0.0534,False,normal_rate,3.17,0.74,False,False,False,False,False,0.897,47.0,30.8,preferred_longevity,62.8,baseline,1.296,0.363,False,,True,-0.145,2000000.0,95498.41,87126.33,95742.32,22738.8,False,0,4.0,14.27
LI-2024-INS004-004249,2012-10-22,4,72,76,1940,male,never_smoker,38.8,71,278,SC,USA,divorced,less_than_hs,white_collar,237895.27,0.4207,simplified_issue,161,100,164,54,3.04,117,6.8,False,68.4,7.17,False,False,False,False,False,none,,type_2,none,depression,3,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,50,UW-088,2.0,term_life,250000,monthly,3184.0,25.0,none,,,,False,none,independent_broker,False,False,False,0.040039,0.145134,SOA_2015_VBT,SOA_Scale_MP2023,2.216,cancer,True,2013-04-12,True,False,659032.67,0.0007,5e-05,1.095,0.040039,0.008,False,,1.0,False,,,,0.07,0.0954,False,normal_rate,2.28,2.62,False,False,False,False,False,0.931,13.3,7.8,sub_standard_longevity,30.5,baseline,1.184,0.24,True,49.2,True,-1.332,250000.0,10584.5,8461.36,9934.08,9157.18,False,0,2.27,-11.76
LI-2024-INS004-004250,2000-04-11,7,30,37,1970,male,former_smoker,28.1,74,218,WY,USA,divorced,high_school,heavy_blue_collar,41945.7,0.392,full_paramedical,92,50,230,54,4.26,112,,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,0.52,4.0,False,False,False,False,6,UW-088,2.0,term_life,500000,monthly,2952.32,30.0,none,,,,True,facultative,independent_broker,False,False,False,0.002774,0.009891,SOA_2015_VBT,SOA_Scale_MP2023,2.127,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002774,0.018,False,,1.0,False,,,,0.05,0.0693,False,normal_rate,3.75,3.0,False,False,False,False,False,0.995,60.5,53.5,super_preferred_longevity,98.6,baseline,1.206,0.134,False,,False,,500000.0,22429.68,23481.34,23618.56,5609.41,False,0,-2.95,-10.34
LI-2024-INS004-004251,2017-01-24,10,52,62,1965,male,never_smoker,24.1,67,153,NY,USA,divorced,high_school,white_collar,103760.96,0.9465,limited_exam,142,88,219,47,4.66,78,,False,,3.29,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,3,UW-002,2.25,universal_life,500000,monthly,5268.53,,10yr_declining,4697.19,,,False,none,independent_broker,False,False,False,0.014482,0.045508,SOA_2015_VBT,SOA_Scale_MP2023,2.395,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018103,0.015,False,,1.0,False,,,,0.06,0.0255,False,normal_rate,1.58,2.77,True,False,False,False,False,0.8,39.7,29.7,preferred_longevity,71.2,baseline,0.79,0.929,False,,False,,495302.81,40231.02,39122.8,42148.24,10010.21,False,0,-0.36,-10.22
LI-2024-INS004-004252,2013-01-24,9,65,74,1948,male,never_smoker,27.1,63,152,NC,USA,married,some_college,white_collar,282684.05,0.7064,full_paramedical,123,76,174,46,3.78,79,,False,68.2,5.48,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred_plus,,,False,False,False,False,27,UW-102,0.68,universal_life,2000000,semi_annual,8932.25,,15yr_declining,7702.22,,,True,quota_share,independent_broker,False,False,False,0.035854,0.019828,SOA_2015_VBT,SOA_Scale_MP2023,0.57,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0306,False,normal_rate,3.36,2.1,False,False,False,False,False,0.981,22.7,14.7,standard_longevity,45.1,baseline,0.97,0.627,True,55.8,False,,1992297.78,48240.49,50120.96,52521.63,20758.55,False,0,4.92,26.69
LI-2024-INS004-004253,2023-03-23,3,44,47,1979,female,unknown,27.5,62,150,AR,USA,married,bachelors,professional,349953.52,0.3161,simplified_issue,107,64,209,61,3.43,116,4.3,False,90.4,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard,,,False,False,False,False,26,UW-306,1.02,term_life,100000,annual,381.24,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.003911,0.005249,SOA_2015_VBT,SOA_Scale_MP2023,1.047,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,7.8e-05,0.018,False,,1.0,False,,,,0.07,0.1418,False,normal_rate,3.85,2.7,False,False,False,False,False,0.957,51.6,48.6,super_preferred_longevity,90.1,baseline,1.263,0.473,False,,False,,100000.0,2994.03,3098.34,3049.92,724.36,False,0,2.87,9.27
LI-2024-INS004-004254,2001-06-27,12,73,85,1928,male,never_smoker,33.8,63,190,CA,USA,married,high_school,heavy_blue_collar,82606.57,0.8216,full_paramedical,149,95,248,55,4.51,102,4.8,True,51.2,12.87,False,False,False,False,False,none,,none,none,anxiety,3,False,False,True,False,True,substandard_table_2,1.1,2.0,False,False,False,False,69,UW-200,1.5,whole_life,500000,monthly,4695.36,,none,4661.88,,,False,none,independent_broker,False,False,False,0.136356,0.263526,SOA_2015_VBT,SOA_Scale_MP2023,1.621,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.068178,0.012,False,,1.0,False,,,,0.015,0.0156,False,normal_rate,3.06,2.19,False,False,False,False,False,0.907,12.4,1.1,sub_standard_longevity,26.5,baseline,0.884,0.831,True,56.0,False,,495338.12,1881.08,1995.61,2065.96,16020.57,False,0,0.26,12.17
LI-2024-INS004-004255,2010-04-13,10,52,62,1958,male,never_smoker,29.0,65,174,NC,USA,single,bachelors,white_collar,67212.19,0.7866,simplified_issue,156,96,213,62,3.44,105,,False,72.9,2.33,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,14,UW-423,1.5,indexed_ul,500000,quarterly,4020.1,,10yr_declining,3801.87,,,False,none,captive_agent,False,False,False,0.013309,0.0259,SOA_2015_VBT,SOA_Scale_MP2023,1.589,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006654,0.012,False,,1.0,False,,,,0.06,0.0289,False,normal_rate,2.92,2.98,False,False,False,True,False,0.792,37.8,27.8,preferred_longevity,66.0,baseline,0.91,1.0,False,,False,,496198.13,29402.32,31860.69,32160.8,7638.19,False,0,0.85,8.42
LI-2024-INS004-004256,2016-02-11,7,57,64,1959,female,former_smoker,15.0,59,90,OR,USA,married,bachelors,white_collar,20000.0,0.3092,full_paramedical,127,77,210,58,3.62,75,4.9,False,86.5,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,declined,,,False,False,True,False,12,UW-454,7.0,whole_life,500000,quarterly,16129.24,,none,13663.6,,,False,none,direct_to_consumer,False,False,False,0.016641,0.234959,SOA_2015_VBT,SOA_Scale_MP2023,6.403,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.099844,0.012,False,,1.0,False,,,,0.02,0.0407,False,normal_rate,5.06,0.94,False,False,False,False,False,0.949,35.0,28.0,standard_longevity,59.1,baseline,1.268,0.29,False,,False,,486336.4,124342.73,119011.68,129033.92,30645.56,False,0,-5.0,-20.0
LI-2024-INS004-004257,2019-11-12,6,69,75,1950,female,never_smoker,32.4,69,219,AL,USA,divorced,bachelors,light_blue_collar,20000.0,0.547,accelerated_UW,140,88,192,22,8.73,103,5.4,False,83.1,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,True,False,True,substandard_table_3,,3.0,False,False,False,True,69,UW-407,1.75,universal_life,1000000,quarterly,11132.01,,10yr_declining,8921.05,,,True,none,independent_broker,False,False,False,0.029938,0.082092,SOA_2015_VBT,SOA_Scale_MP2023,1.828,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022453,0.012,False,,1.0,False,,,,0.06,0.0341,False,normal_rate,3.44,2.19,False,False,False,False,False,0.939,22.6,16.6,standard_longevity,45.6,baseline,1.09,0.564,False,,False,,991078.95,76426.95,70819.16,73916.55,24178.73,False,0,3.45,5.69
LI-2024-INS004-004258,2016-07-10,1,41,42,1975,female,current_smoker,22.3,63,125,NC,USA,married,some_college,professional,75001.06,0.5978,accelerated_UW,102,64,179,39,4.59,107,5.1,True,85.8,,False,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,13,UW-361,1.5,group_life,100000,monthly,469.23,,none,,,,False,none,direct_to_consumer,False,False,False,0.004731,0.010157,SOA_2015_VBT,SOA_Scale_MP2023,1.566,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.018,False,,1.0,False,,,,0.18,0.3079,False,normal_rate,4.56,2.55,False,False,False,True,False,0.754,55.1,54.1,super_preferred_longevity,100.0,baseline,1.052,0.583,False,,False,,100000.0,3963.98,3857.88,3753.84,891.54,False,0,6.19,9.15
LI-2024-INS004-004259,2004-06-12,12,19,31,1985,female,never_smoker,28.5,68,187,WA,USA,married,some_college,heavy_blue_collar,22900.23,0.6547,accelerated_UW,125,84,172,64,2.69,94,,False,83.2,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,0.94,5.0,False,False,False,True,11,UW-353,2.25,indexed_ul,100000,annual,541.27,,15yr_declining,539.53,,,False,none,bank,False,False,False,0.001226,0.004514,SOA_2015_VBT,SOA_Scale_MP2023,2.411,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001532,0.02,False,,1.0,False,,,,0.04,0.0212,False,normal_rate,4.17,2.9,False,False,False,False,False,0.844,70.0,55.0,super_preferred_longevity,100.0,baseline,1.009,0.821,False,,False,,99460.47,4648.91,4117.9,4330.16,1028.41,False,0,-2.84,-12.87
LI-2024-INS004-004260,2018-10-24,6,40,46,1978,male,never_smoker,25.2,73,190,NC,USA,single,high_school,white_collar,85792.66,0.8002,full_paramedical,116,64,213,64,3.33,86,5.8,False,100.2,1.59,False,False,False,False,False,none,,none,none,none,24,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,12,UW-490,1.75,term_life,500000,monthly,3024.34,20.0,none,,,,False,none,captive_agent,True,False,False,0.003943,0.009713,SOA_2015_VBT,SOA_Scale_MP2023,1.904,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.018,False,,1.0,False,,,,0.05,0.053,False,normal_rate,4.27,2.48,False,False,False,False,False,0.989,53.3,47.3,super_preferred_longevity,95.5,baseline,0.9,0.683,False,,False,,500000.0,25140.47,22409.56,24194.72,5746.25,False,0,2.09,-0.09
LI-2024-INS004-004261,2022-10-03,5,37,42,1985,female,never_smoker,35.7,59,176,TX,USA,married,graduate,light_blue_collar,22375.07,0.2171,limited_exam,142,84,182,40,4.55,96,8.0,False,98.9,,False,False,False,False,False,none,,type_2,none,none,0,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,55,UW-239,2.25,term_life,250000,annual,2132.11,30.0,none,,,,False,none,captive_agent,False,False,False,0.002366,0.017307,SOA_2015_VBT,SOA_Scale_MP2023,2.298,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.02,True,0.00708,1.0,False,,,,0.07,0.1496,False,normal_rate,4.4,2.03,False,False,False,False,False,0.888,59.2,60.3,super_preferred_longevity,100.0,baseline,1.337,0.354,True,67.3,False,,250000.0,16792.72,15765.35,17056.88,4051.01,False,0,0.28,-15.88
LI-2024-INS004-004262,2017-02-10,8,19,27,1998,female,current_smoker,27.1,71,194,HI,USA,single,bachelors,professional,31334.67,0.3514,full_paramedical,127,62,224,46,4.87,88,5.1,True,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-248,1.5,whole_life,250000,monthly,801.87,,none,705.19,,,False,none,captive_agent,False,False,False,0.002046,0.005251,SOA_2015_VBT,SOA_Scale_MP2023,1.671,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001023,0.022,False,,1.0,False,,,,0.02,0.0284,False,normal_rate,3.3,2.42,False,False,False,True,False,0.803,70.0,55.0,super_preferred_longevity,100.0,baseline,1.236,0.482,False,,False,,249294.81,6291.76,6488.55,6414.96,1523.55,False,0,4.68,5.79
LI-2024-INS004-004263,2006-08-02,9,73,82,1933,male,never_smoker,32.3,71,231,ID,USA,married,bachelors,professional,32362.98,0.4731,full_paramedical,151,97,217,52,4.17,107,4.8,False,61.7,10.46,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-323,2.0,term_life,100000,monthly,1361.72,25.0,none,,,,False,none,independent_broker,False,False,False,0.07019,0.24574,SOA_2015_VBT,SOA_Scale_MP2023,2.184,cardiovascular,True,2006-09-04,True,True,1690943.0,0.0007,5e-05,1.095,0.07019,0.005,False,,1.0,False,,,,0.05,0.0661,False,normal_rate,3.4,2.74,False,False,False,False,False,0.833,11.2,2.2,sub_standard_longevity,22.9,baseline,1.145,0.657,False,,False,,100000.0,1211.1,1200.34,1198.31,4526.36,False,0,3.69,-9.43
LI-2024-INS004-004264,2017-07-12,6,60,66,1957,male,never_smoker,30.4,62,166,NJ,USA,married,some_college,heavy_blue_collar,29239.52,0.5994,full_paramedical,144,94,132,51,2.59,116,4.5,False,78.9,3.03,True,False,False,False,True,colorectal,1.8,none,none,schizophrenia,4,False,False,False,False,True,standard,1.03,,False,True,False,False,39,UW-315,1.0,whole_life,500000,monthly,3084.19,,none,2343.3,,,True,excess_of_loss,independent_broker,False,False,False,0.018571,0.019528,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0244,False,normal_rate,3.73,2.4,False,False,False,False,False,0.841,28.9,22.9,standard_longevity,55.8,baseline,1.05,0.577,False,,False,,497656.7,22852.01,23133.23,24673.52,5859.96,False,0,-0.4,18.14
LI-2024-INS004-004265,2006-08-12,11,24,35,1982,female,never_smoker,31.2,60,159,GA,USA,married,bachelors,heavy_blue_collar,220327.77,0.6612,full_paramedical,122,72,179,52,3.44,102,5.3,False,82.2,,True,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,1.36,5.0,False,False,False,False,22,UW-081,2.25,term_life,1000000,monthly,6421.98,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001517,0.005383,SOA_2015_VBT,SOA_Scale_MP2023,2.289,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001896,0.02,False,,1.0,False,,,,0.03,0.0351,False,normal_rate,2.33,1.42,False,False,False,False,False,0.775,70.0,55.0,super_preferred_longevity,100.0,baseline,1.004,0.607,False,,False,,1000000.0,48147.02,51968.33,51375.84,12201.76,False,0,2.67,-13.13
LI-2024-INS004-004266,2013-07-09,13,50,63,1963,female,never_smoker,20.2,71,145,WY,USA,single,high_school,professional,48100.22,0.1659,simplified_issue,118,72,208,63,3.3,79,,False,69.4,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-018,2.25,whole_life,1000000,monthly,10574.96,,none,10413.78,,,True,quota_share,direct_to_consumer,False,False,False,0.012249,0.05437,SOA_2015_VBT,SOA_Scale_MP2023,2.318,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015312,0.015,False,,1.0,True,2026-02-22,non_payment,13.0,0.015,0.0329,False,normal_rate,5.25,1.34,False,False,False,False,False,0.822,42.3,29.3,standard_longevity,58.9,baseline,1.376,0.095,False,,False,,989586.22,79772.83,75528.84,84599.68,20092.42,False,0,0.78,-13.8
LI-2024-INS004-004267,2024-08-28,1,58,59,1966,female,never_smoker,28.5,59,141,OK,USA,divorced,some_college,white_collar,60875.32,0.1309,limited_exam,122,69,255,65,3.92,108,,False,90.2,,False,True,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-467,2.25,whole_life,500000,monthly,5214.39,,none,3394.55,,,False,none,bank,False,False,False,0.008972,0.041499,SOA_2015_VBT,SOA_Scale_MP2023,2.408,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011215,0.015,False,,1.0,True,2025-10-30,non_payment,1.0,0.06,0.134,False,normal_rate,4.42,2.26,False,False,False,False,False,0.995,34.6,33.6,preferred_longevity,64.9,baseline,1.402,0.045,False,,False,,496605.45,42723.47,43724.02,41715.12,9907.34,False,0,3.27,-16.92
LI-2024-INS004-004268,2011-08-19,2,41,43,1970,female,never_smoker,36.1,59,178,NJ,USA,divorced,bachelors,professional,70828.36,0.8649,limited_exam,133,86,258,20,12.9,81,5.0,False,61.1,,False,False,False,False,False,none,,none,none,none,2,False,True,False,False,False,substandard_table_3,,3.0,False,False,False,False,6,UW-079,1.75,universal_life,500000,monthly,3139.12,,10yr_declining,2123.5,,,False,none,captive_agent,False,False,False,0.002537,0.006136,SOA_2015_VBT,SOA_Scale_MP2023,1.96,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001903,0.018,False,,1.0,True,2025-10-24,voluntary_surrender,2.0,0.08,0.0363,False,normal_rate,3.74,2.36,False,False,False,False,False,0.935,55.4,57.4,super_preferred_longevity,100.0,baseline,0.851,1.0,True,56.5,False,,497876.5,26835.8,25728.56,25112.96,5964.33,False,0,2.68,1.37
LI-2024-INS004-004269,2014-05-03,2,60,62,1954,female,never_smoker,34.1,59,168,AZ,USA,married,high_school,white_collar,34455.12,0.4685,full_paramedical,119,69,258,48,5.38,97,6.4,False,,,True,False,False,False,False,none,,pre_diabetes,none,none,8,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,51,UW-075,1.25,group_life,1000000,monthly,6102.25,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.010145,0.018233,SOA_2015_VBT,SOA_Scale_MP2023,1.347,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002536,0.012,False,,1.0,False,,,,0.15,0.1988,False,normal_rate,4.82,1.7,False,False,False,False,False,0.938,31.9,29.9,preferred_longevity,64.4,baseline,1.149,0.513,False,,False,,1000000.0,46958.2,45202.51,48818.0,11594.27,False,0,3.13,5.44
LI-2024-INS004-004270,2006-04-26,1,74,75,1932,female,current_smoker,30.8,67,196,WI,USA,single,some_college,white_collar,35520.94,0.3961,limited_exam,146,91,242,31,7.81,102,,True,62.1,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-154,2.0,whole_life,500000,monthly,6267.79,,none,4142.94,,,False,none,captive_agent,False,False,False,0.060822,0.212418,SOA_2015_VBT,SOA_Scale_MP2023,2.072,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.060822,0.005,False,,1.0,False,,,,0.06,0.083,False,normal_rate,3.46,2.17,False,False,False,False,False,0.928,13.8,12.8,standard_longevity,37.6,baseline,1.203,0.417,False,,False,,495857.06,34726.52,32070.67,32091.08,15519.05,False,0,1.15,-11.35
LI-2024-INS004-004271,2020-06-28,3,34,37,1986,female,never_smoker,27.5,67,175,CO,USA,divorced,some_college,professional,77733.86,0.7894,accelerated_UW,116,77,200,38,5.26,90,,False,85.9,,True,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,True,True,True,standard,,,False,True,False,True,46,UW-347,1.0,whole_life,1000000,monthly,3346.73,,none,2281.11,,,True,coinsurance,bank,False,False,False,0.001707,0.00632,SOA_2015_VBT,SOA_Scale_MP2023,1.088,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00463,1.0,False,,,,0.04,0.0427,False,normal_rate,3.02,1.18,False,False,False,False,False,0.981,64.7,55.0,super_preferred_longevity,100.0,baseline,0.908,0.7,False,,False,,997718.89,29379.31,26131.02,26773.84,6358.79,False,0,5.41,14.95
LI-2024-INS004-004272,2011-03-22,12,33,45,1978,female,never_smoker,24.0,66,148,RI,USA,divorced,bachelors,light_blue_collar,68921.63,0.3375,full_paramedical,125,77,228,55,4.15,109,5.5,False,93.3,,False,False,False,False,False,none,,none,none,depression,11,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,31,UW-278,1.25,group_life,250000,monthly,1027.07,,none,,,,False,none,bank,False,False,False,0.00293,0.005671,SOA_2015_VBT,SOA_Scale_MP2023,1.352,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000732,0.018,False,,1.0,False,,,,0.1,0.143,False,normal_rate,4.6,2.91,True,False,False,False,False,0.947,62.5,50.5,super_preferred_longevity,93.3,baseline,1.247,0.297,False,,False,,250000.0,8344.01,8401.7,8216.56,1951.43,False,0,3.62,12.55
LI-2024-INS004-004273,2019-03-24,2,80,82,1939,female,never_smoker,23.0,58,110,NJ,USA,married,bachelors,light_blue_collar,154955.19,0.9431,accelerated_UW,141,76,162,66,2.45,86,,False,64.6,,False,False,False,False,False,none,,none,none,none,9,False,True,True,False,True,substandard_table_1,,1.0,False,False,False,True,69,UW-365,1.25,universal_life,100000,quarterly,932.3,,10yr_declining,630.06,,,False,none,independent_broker,False,False,False,0.057867,0.079051,SOA_2015_VBT,SOA_Scale_MP2023,1.408,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014467,0.005,False,,1.0,False,,,,0.08,0.034,False,normal_rate,2.71,0.75,False,False,False,False,False,0.765,11.0,9.0,standard_longevity,40.1,baseline,0.793,0.923,False,,False,,99369.94,3093.95,3056.99,3356.28,2591.79,False,0,5.64,15.34
LI-2024-INS004-004274,2016-05-16,5,74,79,1942,male,never_smoker,39.7,69,268,MI,USA,single,graduate,professional,62165.98,0.9194,non_med_guaranteed,126,79,243,23,10.57,111,8.6,False,67.0,7.08,False,False,False,False,False,none,,type_2,none,none,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,45,UW-472,2.25,term_life,500000,semi_annual,7461.22,25.0,none,,,,False,none,independent_broker,False,False,False,0.052836,0.169799,SOA_2015_VBT,SOA_Scale_MP2023,2.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.066045,0.008,False,,1.0,False,,,,0.07,0.0675,False,normal_rate,4.1,2.69,False,False,False,False,False,0.889,13.6,8.6,standard_longevity,39.2,baseline,0.81,0.992,False,,False,,500000.0,26029.71,25639.89,25666.6,20980.95,False,0,2.73,-10.28
LI-2024-INS004-004275,2021-10-01,2,66,68,1955,female,former_smoker,25.0,59,123,AZ,USA,widowed,some_college,white_collar,105903.85,0.4235,full_paramedical,116,74,232,47,4.94,88,5.2,False,60.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,9,UW-200,0.82,universal_life,250000,semi_annual,1224.54,,10yr_declining,758.96,,,False,none,captive_agent,False,False,False,0.022434,0.026607,SOA_2015_VBT,SOA_Scale_MP2023,0.831,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00456,1.0,False,,,,0.08,0.049,False,normal_rate,4.74,1.92,False,False,False,False,False,0.967,25.9,25.5,standard_longevity,57.1,baseline,1.182,0.409,False,,True,1.064,249241.04,10244.75,9900.37,9796.32,2326.63,False,0,5.85,24.35
LI-2024-INS004-004276,2009-01-05,17,72,89,1937,female,never_smoker,25.1,67,160,GA,USA,married,some_college,light_blue_collar,32723.76,0.4615,full_paramedical,126,85,227,43,5.28,114,5.5,False,,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-317,1.25,indexed_ul,2000000,quarterly,20960.14,,10yr_declining,25334.71,10032.55,0.396,True,quota_share,captive_agent,False,False,False,0.103802,0.189204,SOA_2015_VBT,SOA_Scale_MP2023,1.363,neurological,True,2021-06-16,False,False,1120291.78,0.0007,5e-05,1.095,0.025951,0.005,False,,1.0,False,,,,0.04,0.0319,False,normal_rate,3.48,1.13,False,False,False,False,False,0.85,16.8,1.0,sub_standard_longevity,20.9,baseline,1.154,0.37,False,,False,,1974665.29,8438.11,8312.74,8384.06,71683.68,False,0,4.74,18.95
LI-2024-INS004-004277,2005-10-13,5,77,82,1928,male,former_smoker,23.0,60,117,AL,USA,widowed,high_school,light_blue_collar,34428.28,0.6699,full_paramedical,122,80,269,38,7.08,98,5.5,False,66.2,5.08,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-325,2.0,indexed_ul,1000000,semi_annual,15702.0,,10yr_declining,11299.65,,,True,facultative,independent_broker,False,False,False,0.068531,0.21825,SOA_2015_VBT,SOA_Scale_MP2023,2.19,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.068531,0.012,False,,1.0,False,,,,0.08,0.0419,False,normal_rate,2.79,2.65,False,False,False,False,False,0.985,7.8,2.8,sub_standard_longevity,26.7,baseline,0.998,0.546,False,,False,,988700.35,16498.38,16709.88,17586.24,51439.75,False,0,3.87,-9.88
LI-2024-INS004-004278,2003-02-27,6,25,31,1978,female,former_smoker,26.2,70,182,WV,USA,single,high_school,professional,86509.57,0.7248,full_paramedical,114,69,202,47,4.3,82,,False,89.9,,True,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,preferred,,,False,False,False,False,38,UW-156,0.82,indexed_ul,1000000,semi_annual,1871.1,,10yr_declining,1400.52,,,True,facultative,captive_agent,False,False,False,0.001593,0.001218,SOA_2015_VBT,SOA_Scale_MP2023,0.799,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0302,False,normal_rate,2.9,2.1,False,False,False,False,False,0.806,70.0,55.0,super_preferred_longevity,100.0,baseline,0.956,0.898,False,,False,,998599.48,15721.36,15539.43,14968.8,3555.09,False,0,0.13,29.84
LI-2024-INS004-004279,2014-03-21,11,77,88,1937,female,never_smoker,29.7,65,178,WA,USA,married,some_college,white_collar,56842.44,0.7002,full_paramedical,143,85,224,54,4.15,110,4.8,False,55.4,,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-361,1.25,term_life,1000000,monthly,8870.68,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.095483,0.162656,SOA_2015_VBT,SOA_Scale_MP2023,1.491,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023871,0.005,False,,1.0,False,,,,0.03,0.041,False,normal_rate,3.81,2.0,False,False,False,False,False,0.991,12.8,1.8,sub_standard_longevity,25.7,baseline,0.975,0.679,False,,False,,1000000.0,6533.59,5590.02,6386.89,29770.0,False,0,3.46,19.39
LI-2024-INS004-004280,2015-05-08,3,32,35,1983,female,former_smoker,27.1,58,129,OR,USA,divorced,some_college,white_collar,30382.44,0.9644,full_paramedical,110,62,178,52,3.42,101,,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,17,UW-497,0.83,universal_life,2000000,monthly,4845.41,,15yr_declining,3275.89,,,True,quota_share,employer_group,False,False,False,0.001972,0.001233,SOA_2015_VBT,SOA_Scale_MP2023,0.805,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0401,False,normal_rate,2.24,0.66,False,False,False,False,False,0.841,66.9,55.0,super_preferred_longevity,100.0,baseline,0.777,0.838,False,,False,,1996724.11,40296.06,36733.2,38763.28,9206.28,False,0,6.68,28.16
LI-2024-INS004-004281,2014-08-05,4,33,37,1981,female,never_smoker,28.1,65,168,IA,USA,single,some_college,professional,33199.22,0.8023,full_paramedical,100,76,171,30,5.7,90,4.5,False,84.6,,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-480,1.25,indexed_ul,500000,annual,2126.6,,15yr_declining,1463.25,,,False,none,independent_broker,False,False,False,0.001707,0.002493,SOA_2015_VBT,SOA_Scale_MP2023,1.347,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000427,0.02,False,,1.0,False,,,,0.08,0.0381,False,normal_rate,2.64,1.66,False,False,False,False,False,0.953,65.0,60.3,super_preferred_longevity,100.0,baseline,0.898,0.756,True,62.6,False,,498536.75,18205.17,15240.06,17012.8,4040.54,False,0,1.93,18.57
LI-2024-INS004-004282,2022-11-12,2,52,54,1970,female,never_smoker,19.8,66,122,WV,USA,married,some_college,white_collar,67388.94,0.8246,full_paramedical,122,77,240,43,5.58,60,,False,64.5,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-216,2.25,term_life,500000,annual,5265.42,15.0,none,,,,False,none,employer_group,False,False,False,0.005914,0.02295,SOA_2015_VBT,SOA_Scale_MP2023,2.474,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007392,0.018,True,0.00266,1.0,False,,,,0.07,0.0874,False,normal_rate,4.31,1.56,False,True,False,False,False,0.895,44.2,43.7,super_preferred_longevity,90.4,baseline,0.882,0.815,True,45.0,False,,500000.0,41565.48,42158.11,42123.36,10004.3,False,0,1.44,-5.45
LI-2024-INS004-004283,2016-02-11,4,31,35,1985,male,never_smoker,27.6,60,141,OR,USA,married,bachelors,heavy_blue_collar,79106.78,0.3212,accelerated_UW,135,83,192,36,5.33,68,5.1,False,103.7,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,0.6,1.0,False,False,False,True,26,UW-030,1.25,term_life,1000000,quarterly,3734.16,10.0,none,,,,True,coinsurance,employer_group,False,False,False,0.001896,0.004029,SOA_2015_VBT,SOA_Scale_MP2023,1.489,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000474,0.02,False,,1.0,False,,,,0.07,0.1212,False,normal_rate,3.25,2.3,False,False,False,False,False,0.819,61.6,55.0,super_preferred_longevity,99.8,baseline,1.259,0.55,False,,False,,1000000.0,29613.24,27391.95,29873.28,7094.9,False,0,4.48,6.16
LI-2024-INS004-004284,2019-10-03,4,22,26,1997,female,former_smoker,19.4,70,135,HI,USA,married,bachelors,hazardous,29943.92,0.905,non_med_guaranteed,121,73,154,56,2.75,74,,False,88.5,,False,True,False,False,False,none,,none,none,depression,9,False,False,False,False,False,substandard_table_1,3.3,1.0,True,False,False,False,30,UW-191,1.25,universal_life,250000,semi_annual,672.13,,10yr_declining,473.4,,,False,none,captive_agent,False,False,False,0.001278,0.001678,SOA_2015_VBT,SOA_Scale_MP2023,1.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000319,0.022,False,,1.0,False,,,,0.08,0.0351,False,normal_rate,3.81,1.99,False,False,False,False,False,0.861,70.0,55.0,super_preferred_longevity,100.0,baseline,0.821,0.9,False,,False,,249526.6,5601.88,4786.39,5377.04,1277.05,False,0,5.34,14.22
LI-2024-INS004-004285,2023-11-27,3,25,28,1998,male,never_smoker,33.2,69,224,PA,USA,married,high_school,heavy_blue_collar,53998.48,0.3818,full_paramedical,120,78,229,56,4.09,121,5.9,False,111.1,,True,False,False,False,False,none,,pre_diabetes,none,none,7,False,False,False,False,True,substandard_table_1,0.58,1.0,False,False,False,False,25,UW-425,1.25,term_life,250000,annual,766.83,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.001334,0.002579,SOA_2015_VBT,SOA_Scale_MP2023,1.387,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000333,0.022,False,,1.0,False,,,,0.07,0.0976,False,normal_rate,4.47,0.85,False,False,False,False,False,0.839,70.0,55.0,super_preferred_longevity,100.0,baseline,1.214,0.309,False,,False,,250000.0,6502.7,6117.58,6134.64,1456.98,False,0,4.35,6.91
LI-2024-INS004-004286,2011-01-09,5,44,49,1967,female,never_smoker,30.9,63,174,NC,USA,married,high_school,light_blue_collar,72085.34,0.8483,limited_exam,112,65,259,62,4.18,109,,False,100.1,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,False,13,UW-483,0.84,annuity_deferred,500000,quarterly,1754.24,,none,1229.4,,,False,none,worksite,False,False,False,0.003965,0.002781,SOA_2015_VBT,SOA_Scale_MP2023,0.812,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0409,False,normal_rate,1.95,2.32,False,True,False,False,False,0.764,51.6,46.6,super_preferred_longevity,95.1,baseline,0.864,0.776,False,,False,,498770.6,15009.7,12750.35,14033.92,3333.06,False,0,5.95,21.78
LI-2024-INS004-004287,2012-02-18,5,51,56,1961,male,never_smoker,16.4,74,128,NH,USA,divorced,high_school,heavy_blue_collar,64935.2,0.4397,simplified_issue,99,56,226,62,3.65,80,,False,94.6,0.39,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,True,True,substandard_table_5,0.93,5.0,False,False,False,False,43,UW-449,2.25,term_life,500000,quarterly,5282.24,10.0,none,,,,False,none,independent_broker,False,False,False,0.008207,0.033827,SOA_2015_VBT,SOA_Scale_MP2023,2.454,cancer,True,2016-10-24,False,False,1818192.91,0.0007,5e-05,1.095,0.010259,0.015,False,,1.0,False,,,,0.07,0.0944,False,normal_rate,5.47,0.79,False,False,False,False,False,0.805,38.1,33.1,preferred_longevity,68.7,baseline,1.17,0.358,False,,False,,500000.0,45892.46,42444.81,42257.92,10036.26,False,0,2.34,-10.74
LI-2024-INS004-004288,2004-06-20,20,53,73,1951,male,current_smoker,37.8,62,206,NH,USA,married,high_school,white_collar,72242.5,0.5358,full_paramedical,135,85,261,45,5.8,93,7.5,True,56.9,7.19,False,False,False,False,False,none,,type_2,none,depression,3,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,36,UW-017,2.0,universal_life,1000000,monthly,11876.75,,10yr_declining,15892.11,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.063608,0.215324,SOA_2015_VBT,SOA_Scale_MP2023,2.172,other,True,2010-02-12,False,False,1672267.6,0.0007,5e-05,1.095,0.063608,0.012,False,,1.0,False,,,,0.04,0.0712,False,normal_rate,3.65,2.41,False,False,False,False,False,0.796,34.8,18.3,standard_longevity,48.0,baseline,1.098,0.617,True,96.5,False,,984107.89,86440.65,84055.68,86937.81,24181.06,False,0,7.52,-8.45
LI-2024-INS004-004289,2002-04-01,20,63,83,1939,male,never_smoker,21.9,76,179,RI,USA,married,graduate,light_blue_collar,22040.94,0.6564,full_paramedical,132,76,249,51,4.88,75,4.8,False,69.8,4.78,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,21,UW-164,0.59,term_life,500000,annual,1928.75,25.0,none,,,,False,none,independent_broker,False,False,False,0.078834,0.052193,SOA_2015_VBT,SOA_Scale_MP2023,0.657,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0352,False,normal_rate,3.36,1.52,False,False,False,False,False,0.854,25.9,5.9,standard_longevity,41.2,baseline,1.008,0.523,False,,False,,500000.0,4711.28,3992.57,4551.85,5840.26,False,0,0.64,33.23
LI-2024-INS004-004290,2010-10-04,15,74,89,1936,female,never_smoker,36.6,62,200,CT,USA,married,high_school,light_blue_collar,79081.59,0.4682,non_med_guaranteed,151,98,274,36,7.61,102,5.2,False,65.5,,False,False,False,True,False,none,,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,41,UW-279,2.5,universal_life,500000,annual,8101.27,,10yr_declining,8885.83,7544.07,0.849,False,none,captive_agent,False,False,False,0.103283,0.471977,SOA_2015_VBT,SOA_Scale_MP2023,2.672,respiratory,True,2025-08-22,False,False,754638.8,0.0007,5e-05,1.095,0.154925,0.005,False,,1.0,False,,,,0.04,0.0318,False,normal_rate,6.82,2.92,False,False,False,False,False,0.772,14.7,1.1,sub_standard_longevity,21.2,baseline,1.149,0.378,True,51.6,False,,491114.17,3564.2,3513.69,3564.56,27641.53,False,0,2.35,-20.0
LI-2024-INS004-004291,2014-05-02,7,42,49,1972,male,former_smoker,29.3,73,221,AZ,USA,married,high_school,heavy_blue_collar,62759.98,0.8326,full_paramedical,138,80,222,46,4.83,109,5.6,False,,1.23,False,False,False,False,False,none,,none,none,none,16,False,False,False,False,False,substandard_table_1,0.98,1.0,False,False,False,False,10,UW-154,1.25,group_life,250000,monthly,1149.59,,none,,,,False,none,direct_to_consumer,False,False,False,0.006443,0.009373,SOA_2015_VBT,SOA_Scale_MP2023,1.376,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001611,0.018,False,,1.0,False,,,,0.12,0.1737,False,normal_rate,2.94,1.83,False,False,False,False,False,0.795,50.6,43.6,super_preferred_longevity,90.4,baseline,0.876,1.0,False,,False,,250000.0,9477.77,8491.93,9196.72,2184.22,False,0,1.67,21.85
LI-2024-INS004-004292,2023-02-01,1,37,38,1986,male,former_smoker,31.9,65,191,MS,USA,divorced,some_college,white_collar,23843.52,0.4811,accelerated_UW,124,83,204,46,4.43,74,5.3,False,87.8,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,True,8,UW-461,0.79,indexed_ul,1000000,quarterly,2736.6,,10yr_declining,1711.96,,,True,excess_of_loss,independent_broker,False,False,False,0.002951,0.002683,SOA_2015_VBT,SOA_Scale_MP2023,0.798,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.11,0.0651,False,normal_rate,1.58,2.69,False,False,False,False,False,0.978,56.4,56.6,super_preferred_longevity,100.0,baseline,1.139,0.395,True,42.6,False,,998288.04,20147.09,22122.21,21892.8,5199.54,False,0,5.48,19.85
LI-2024-INS004-004293,2004-03-07,17,50,67,1954,female,never_smoker,26.6,66,164,ND,USA,married,some_college,light_blue_collar,98301.67,0.7006,full_paramedical,146,88,292,49,5.96,103,5.1,False,96.4,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,25,UW-160,2.0,term_life,5000000,semi_annual,51858.94,15.0,none,,,,True,none,direct_to_consumer,False,False,False,0.015629,0.049823,SOA_2015_VBT,SOA_Scale_MP2023,2.245,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015629,0.012,False,,1.0,False,,,,0.03,0.0479,False,normal_rate,2.72,1.09,False,False,False,False,False,0.828,42.9,25.9,preferred_longevity,61.9,baseline,0.975,0.544,False,,False,,5000000.0,451282.7,403199.64,414871.52,98531.99,False,0,0.77,-1.91
LI-2024-INS004-004294,2016-11-04,7,37,44,1979,male,never_smoker,28.3,66,175,KS,USA,married,high_school,white_collar,73791.51,0.3593,full_paramedical,109,72,199,56,3.55,95,,False,90.5,2.57,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,standard_plus,,,False,False,False,False,17,UW-485,0.98,indexed_ul,500000,monthly,1775.14,,10yr_declining,1438.84,,,True,facultative,direct_to_consumer,False,False,False,0.003406,0.004178,SOA_2015_VBT,SOA_Scale_MP2023,0.997,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0534,False,normal_rate,1.7,1.89,False,False,False,False,False,0.902,57.7,50.7,super_preferred_longevity,100.0,baseline,1.231,0.366,False,,False,,498561.16,12971.41,12795.18,14201.12,3372.77,False,0,4.42,19.69
LI-2024-INS004-004295,2005-08-09,12,29,41,1976,female,never_smoker,37.1,66,229,TX,USA,divorced,bachelors,professional,158145.91,0.3929,full_paramedical,129,79,231,49,4.71,129,5.7,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-107,1.5,universal_life,100000,quarterly,553.21,,15yr_declining,550.52,,,False,none,bank,True,False,False,0.002209,0.005485,SOA_2015_VBT,SOA_Scale_MP2023,1.645,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001105,0.018,False,,1.0,False,,,,0.04,0.0249,False,normal_rate,4.48,2.71,False,False,False,False,False,0.947,66.4,54.4,super_preferred_longevity,100.0,baseline,1.205,0.254,False,,False,,99449.48,4425.07,4376.04,4425.68,1051.1,False,0,2.91,5.84
LI-2024-INS004-004296,2012-07-05,5,32,37,1980,male,never_smoker,34.0,63,192,CT,USA,married,high_school,white_collar,198936.06,0.8266,full_paramedical,126,71,190,44,4.32,105,5.0,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,12,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-450,2.25,universal_life,500000,quarterly,3155.53,,15yr_declining,2378.21,,,False,none,captive_agent,False,False,False,0.002134,0.007224,SOA_2015_VBT,SOA_Scale_MP2023,2.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002668,0.02,False,,1.0,False,,,,0.08,0.0374,False,normal_rate,3.41,1.89,False,False,False,False,False,0.846,64.9,55.0,super_preferred_longevity,100.0,baseline,0.88,0.684,False,,False,,497621.79,24288.09,22227.64,25244.24,5995.51,False,0,2.5,-8.31
LI-2024-INS004-004297,2006-11-20,15,62,77,1944,female,current_smoker,26.7,65,160,NE,USA,married,bachelors,heavy_blue_collar,125617.77,0.2377,full_paramedical,140,83,148,38,3.89,122,4.9,True,64.3,,False,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_8,0.65,8.0,False,False,False,False,21,UW-415,3.0,universal_life,500000,semi_annual,8774.06,,10yr_declining,9960.65,,,False,none,captive_agent,False,False,False,0.072183,0.453862,SOA_2015_VBT,SOA_Scale_MP2023,3.244,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.144366,0.008,False,,1.0,False,,,,0.04,0.0604,False,normal_rate,2.79,1.79,False,False,False,False,False,0.801,27.2,12.2,sub_standard_longevity,34.4,baseline,1.322,0.094,False,,False,,490039.35,44321.59,39488.18,42817.41,22145.73,False,0,-0.67,-20.0
LI-2024-INS004-004298,2018-04-25,7,32,39,1986,male,never_smoker,19.5,63,110,ND,USA,single,less_than_hs,white_collar,29141.82,0.5071,full_paramedical,108,58,163,49,3.33,68,4.6,False,83.4,,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-419,2.0,whole_life,250000,quarterly,1718.88,,none,1464.23,,,False,none,direct_to_consumer,False,False,False,0.002419,0.008279,SOA_2015_VBT,SOA_Scale_MP2023,2.163,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.02,False,,1.0,False,,,,0.02,0.0362,False,normal_rate,4.54,0.69,False,False,False,False,False,0.832,61.5,51.8,super_preferred_longevity,97.8,baseline,1.12,0.505,True,16.1,False,,248535.77,13850.88,13462.68,13751.04,3265.87,False,0,4.04,-4.72
LI-2024-INS004-004299,2020-07-19,1,29,30,1991,female,never_smoker,27.3,58,130,WY,USA,married,graduate,light_blue_collar,63128.8,0.4063,full_paramedical,113,61,180,53,3.4,102,,False,85.1,,False,True,False,False,False,none,,none,none,none,2,False,False,True,False,True,preferred_plus,,,False,False,False,False,58,UW-327,0.62,whole_life,2000000,annual,2773.16,,none,1656.85,,,True,excess_of_loss,independent_broker,False,False,False,0.001168,0.005437,SOA_2015_VBT,SOA_Scale_MP2023,0.628,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00456,1.0,False,,,,0.06,0.0825,False,normal_rate,1.67,2.06,False,False,False,False,False,0.959,69.0,55.0,super_preferred_longevity,100.0,baseline,1.195,0.27,False,,False,,1998343.15,21831.52,19594.05,22185.28,5269.0,False,0,5.21,33.57
LI-2024-INS004-004300,2007-06-06,2,20,22,1987,female,never_smoker,22.2,64,129,WY,USA,married,high_school,hazardous,78420.15,0.4785,limited_exam,111,68,139,42,3.31,75,5.1,False,100.5,,False,True,True,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,3.96,,True,True,False,False,16,UW-201,1.0,term_life,500000,annual,1050.53,25.0,none,,,,False,none,bank,False,False,False,0.000854,0.000986,SOA_2015_VBT,SOA_Scale_MP2023,1.012,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.0922,False,normal_rate,2.51,1.29,False,False,False,False,False,0.866,70.0,55.0,super_preferred_longevity,100.0,baseline,1.141,0.381,False,,False,,500000.0,9127.44,7695.93,8404.24,1996.01,False,0,3.28,20.98
LI-2024-INS004-004301,2015-01-02,9,36,45,1979,male,never_smoker,21.6,60,110,MA,USA,widowed,some_college,light_blue_collar,93670.8,0.374,full_paramedical,122,78,185,59,3.14,85,5.3,False,93.3,5.18,False,False,False,False,True,prostate,3.3,none,none,depression,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,29,UW-002,2.0,annuity_immediate,100000,quarterly,750.35,,none,,,,False,none,independent_broker,False,False,False,0.003662,0.013456,SOA_2015_VBT,SOA_Scale_MP2023,2.193,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.018,False,,1.0,False,,,,0.003,0.005,False,normal_rate,1.67,1.16,False,False,False,False,False,0.883,55.8,46.8,super_preferred_longevity,88.3,baseline,1.22,0.284,False,,False,,100000.0,5749.63,5681.09,6002.8,1425.66,False,0,1.59,-7.14
LI-2024-INS004-004302,2001-07-14,11,40,51,1961,female,never_smoker,34.3,66,212,ID,USA,married,some_college,light_blue_collar,110996.42,0.3263,full_paramedical,124,68,203,53,3.83,97,5.3,False,75.8,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-029,1.25,universal_life,100000,monthly,567.39,,15yr_declining,559.46,,,False,none,worksite,False,False,False,0.004369,0.008111,SOA_2015_VBT,SOA_Scale_MP2023,1.28,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001092,0.015,False,,1.0,False,,,,0.04,0.0259,False,normal_rate,3.36,1.62,False,False,False,False,False,0.836,55.7,44.7,super_preferred_longevity,94.4,baseline,1.255,0.282,False,,False,,99440.54,4874.58,4551.28,4539.12,1078.04,False,0,1.92,15.73
LI-2024-INS004-004303,2012-07-17,3,57,60,1955,male,former_smoker,33.2,66,205,NH,USA,single,high_school,heavy_blue_collar,33665.63,0.9797,full_paramedical,120,72,242,27,8.96,86,8.3,False,,1.26,False,False,False,False,False,none,,type_2,none,none,1,False,False,True,False,True,substandard_table_5,0.83,5.0,False,False,False,False,63,UW-277,2.25,universal_life,500000,semi_annual,5761.09,,10yr_declining,3649.48,,,False,none,worksite,False,False,False,0.014065,0.042477,SOA_2015_VBT,SOA_Scale_MP2023,2.313,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017582,0.012,False,,1.0,False,,,,0.08,0.033,False,normal_rate,3.93,2.85,False,False,False,False,False,0.988,33.1,30.3,preferred_longevity,72.6,baseline,0.765,1.0,True,35.3,False,,496350.52,43705.11,40051.97,46088.72,10946.07,False,0,1.44,-10.47
LI-2024-INS004-004304,2018-03-06,2,61,63,1957,male,never_smoker,25.4,67,162,VT,USA,married,some_college,professional,20000.0,0.4447,full_paramedical,126,76,166,67,2.48,93,5.7,False,,4.95,False,False,False,False,True,lymphoma,13.4,none,none,bipolar,4,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,31,UW-467,3.0,universal_life,500000,annual,7590.08,,10yr_declining,5318.86,,,False,none,independent_broker,False,False,False,0.014329,0.086639,SOA_2015_VBT,SOA_Scale_MP2023,3.469,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028658,0.012,False,,1.0,False,,,,0.08,0.0484,False,normal_rate,6.46,1.98,False,False,False,False,False,0.76,27.3,25.3,standard_longevity,57.1,baseline,1.166,0.457,False,,False,,494681.14,56362.78,54520.31,60720.64,14421.15,False,0,0.77,-20.0
LI-2024-INS004-004305,2005-04-05,17,52,69,1953,female,never_smoker,23.5,69,159,KY,USA,single,less_than_hs,professional,31299.64,0.6086,full_paramedical,155,89,213,55,3.87,74,5.4,False,83.6,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,13,UW-086,1.5,whole_life,1000000,monthly,7835.7,,none,9712.59,,,True,quota_share,captive_agent,False,False,False,0.018379,0.039973,SOA_2015_VBT,SOA_Scale_MP2023,1.605,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00919,0.012,False,,1.0,False,,,,0.015,0.0182,False,normal_rate,3.73,0.85,False,False,False,False,False,0.794,40.3,23.3,standard_longevity,56.6,baseline,1.044,0.457,False,,False,,990287.41,57523.65,55863.52,62685.6,14887.83,False,0,2.74,9.29
LI-2024-INS004-004306,2005-12-13,19,43,62,1962,female,never_smoker,37.6,61,199,VA,USA,divorced,graduate,white_collar,61079.54,0.2256,full_paramedical,122,72,223,28,7.96,90,5.6,False,90.3,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-239,1.5,universal_life,250000,monthly,1808.21,,10yr_declining,2353.85,,,False,none,independent_broker,False,False,False,0.011072,0.028847,SOA_2015_VBT,SOA_Scale_MP2023,1.582,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005536,0.015,False,,1.0,False,,,,0.04,0.0608,False,normal_rate,5.72,0.59,False,False,False,False,False,0.884,49.4,30.4,preferred_longevity,61.5,baseline,1.331,0.198,False,,False,,247646.15,13124.76,14714.09,14465.68,3435.6,False,0,2.89,7.3
LI-2024-INS004-004307,2013-07-03,9,53,62,1960,male,never_smoker,23.6,63,133,TN,USA,single,some_college,white_collar,86175.7,0.1578,non_med_guaranteed,124,74,248,40,6.2,110,5.8,False,84.5,4.92,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-041,1.5,universal_life,2000000,quarterly,13764.04,,15yr_declining,12472.77,,,True,excess_of_loss,independent_broker,False,False,False,0.013428,0.036585,SOA_2015_VBT,SOA_Scale_MP2023,1.61,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006714,0.015,False,,1.0,False,,,,0.06,0.0425,False,normal_rate,5.22,1.77,False,False,False,False,False,0.825,34.8,27.4,standard_longevity,56.0,baseline,1.382,0.429,True,53.3,False,,1987527.23,99949.73,112791.33,110112.32,26151.68,False,0,3.27,2.26
LI-2024-INS004-004308,2015-12-09,7,54,61,1961,male,never_smoker,35.1,64,204,GA,USA,single,graduate,white_collar,80600.45,0.5681,full_paramedical,141,83,190,56,3.39,110,5.5,False,78.0,3.58,False,False,False,False,True,melanoma,0.3,none,none,depression,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,51,UW-119,2.25,term_life,500000,quarterly,6477.06,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.012514,0.048825,SOA_2015_VBT,SOA_Scale_MP2023,2.469,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015643,0.015,False,,1.0,False,,,,0.05,0.0623,False,normal_rate,3.14,0.82,False,False,False,False,False,0.951,35.6,28.6,preferred_longevity,63.9,baseline,1.074,0.482,False,,False,,500000.0,52405.55,53044.92,51816.48,12306.41,False,0,1.48,-9.96
LI-2024-INS004-004309,2000-10-09,27,80,107,1920,male,never_smoker,37.0,74,287,OK,USA,married,some_college,heavy_blue_collar,20000.0,0.8352,full_paramedical,151,90,268,37,7.24,94,4.9,False,60.7,9.56,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,0.74,2.0,False,False,False,False,12,UW-351,1.5,term_life,1000000,semi_annual,13307.0,25.0,none,,,,True,coinsurance,employer_group,False,False,False,0.326395,0.645936,SOA_2015_VBT,SOA_Scale_MP2023,1.693,cardiovascular,True,2006-01-03,False,False,1258212.55,0.0007,5e-05,1.095,0.163197,0.012,False,,1.0,False,,,,0.03,0.0371,False,normal_rate,4.41,1.93,False,False,False,False,False,0.901,5.0,1.0,sub_standard_longevity,26.5,baseline,0.874,0.835,False,,False,,1000000.0,5383.93,5241.97,5322.8,45509.94,False,0,4.93,6.44
LI-2024-INS004-004310,2008-06-04,3,39,42,1969,male,never_smoker,32.0,70,222,OR,USA,single,graduate,white_collar,73189.34,0.6804,simplified_issue,148,93,203,35,5.8,103,,False,93.9,3.32,False,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,32,UW-170,1.5,whole_life,500000,monthly,2449.76,,none,1789.94,,,False,none,independent_broker,False,False,False,0.002957,0.006322,SOA_2015_VBT,SOA_Scale_MP2023,1.655,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.015,False,,1.0,False,,,,0.04,0.0462,False,normal_rate,4.41,2.87,False,False,False,False,False,0.797,52.3,49.3,super_preferred_longevity,96.7,baseline,0.99,0.671,False,,False,,498210.06,20880.03,20338.74,19598.08,4654.54,False,0,5.31,4.41
LI-2024-INS004-004311,2021-09-14,4,45,49,1976,female,former_smoker,25.6,71,183,NM,USA,single,some_college,light_blue_collar,23825.03,0.5915,non_med_guaranteed,116,71,154,56,2.75,77,5.0,False,,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,46,UW-322,2.0,term_life,1000000,monthly,7687.78,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.005154,0.022826,SOA_2015_VBT,SOA_Scale_MP2023,2.111,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005154,0.018,True,0.00618,1.0,False,,,,0.07,0.0859,False,normal_rate,4.33,1.24,False,False,False,False,False,0.836,51.2,47.2,super_preferred_longevity,92.2,baseline,1.056,0.631,False,,False,,1000000.0,58074.8,56181.03,61502.24,14606.78,False,0,3.43,-5.79
LI-2024-INS004-004312,2009-01-11,4,37,41,1972,female,unknown,32.8,69,222,MA,USA,divorced,bachelors,professional,66062.39,0.5553,simplified_issue,119,71,226,49,4.61,122,5.8,False,99.6,,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-363,1.25,term_life,500000,annual,2241.14,25.0,none,,,,False,none,employer_group,False,False,False,0.00254,0.004321,SOA_2015_VBT,SOA_Scale_MP2023,1.339,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000635,0.018,False,,1.0,False,,,,0.07,0.1055,False,normal_rate,0.99,1.01,True,False,False,False,False,0.836,58.5,54.5,super_preferred_longevity,100.0,baseline,1.084,0.534,False,,False,,500000.0,17041.0,17248.09,17929.12,4258.17,False,0,4.07,14.0
LI-2024-INS004-004313,2017-11-16,4,79,83,1938,female,never_smoker,22.6,60,115,FL,USA,married,less_than_hs,white_collar,50597.89,0.5023,limited_exam,114,60,224,56,4.0,119,,False,61.1,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,True,True,True,substandard_table_5,,5.0,False,False,False,False,56,UW-289,2.25,term_life,500000,monthly,7389.68,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.062752,0.244367,SOA_2015_VBT,SOA_Scale_MP2023,2.354,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.078439,0.005,False,,1.0,False,,,,0.07,0.1272,False,normal_rate,3.3,2.72,False,False,False,False,False,0.759,10.1,6.1,sub_standard_longevity,29.2,baseline,1.123,0.569,False,,False,,500000.0,18832.84,17683.74,18030.82,22257.72,False,0,0.57,-9.97
LI-2024-INS004-004314,2006-07-16,20,37,57,1969,female,never_smoker,27.9,68,183,WY,USA,married,bachelors,hazardous,92897.49,0.783,non_med_guaranteed,128,65,214,63,3.4,105,5.6,False,87.2,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,3.29,1.0,True,False,False,False,20,UW-327,1.25,term_life,500000,semi_annual,2876.83,20.0,none,,,,False,none,captive_agent,False,False,False,0.007582,0.011265,SOA_2015_VBT,SOA_Scale_MP2023,1.354,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001895,0.015,False,,1.0,False,,,,0.03,0.0322,False,normal_rate,2.0,0.81,False,False,False,False,False,0.763,58.7,38.7,super_preferred_longevity,82.3,baseline,0.913,0.834,False,,False,,500000.0,21793.02,23214.48,23014.64,5465.98,False,0,1.74,19.01
LI-2024-INS004-004315,2018-09-09,3,32,35,1986,male,never_smoker,20.4,71,146,WY,USA,married,graduate,heavy_blue_collar,149264.25,0.6647,full_paramedical,107,55,172,68,2.53,91,,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,True,True,substandard_table_5,1.34,5.0,False,False,False,False,33,UW-369,2.25,indexed_ul,1000000,annual,6820.32,,10yr_declining,4518.12,,,True,quota_share,independent_broker,False,False,False,0.001896,0.006989,SOA_2015_VBT,SOA_Scale_MP2023,2.432,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00237,0.02,False,,1.0,False,,,,0.08,0.0421,False,normal_rate,2.27,1.31,False,False,False,False,False,0.99,62.2,55.0,super_preferred_longevity,100.0,baseline,1.001,0.793,False,,False,,995481.88,58978.64,53480.26,54562.56,12958.61,False,0,-0.56,-10.25
LI-2024-INS004-004316,2016-08-02,10,65,75,1951,female,never_smoker,27.7,67,176,ND,USA,married,graduate,white_collar,123687.49,0.4161,full_paramedical,126,64,208,31,6.71,70,4.3,False,,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-294,2.25,whole_life,1000000,annual,16148.72,,none,14441.85,4130.37,0.286,True,none,independent_broker,False,False,False,0.030302,0.123368,SOA_2015_VBT,SOA_Scale_MP2023,2.375,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037877,0.012,False,,1.0,False,,,,0.02,0.0164,False,normal_rate,4.48,1.0,False,False,False,False,False,0.843,26.3,16.3,standard_longevity,43.2,baseline,1.188,0.308,False,,False,,985558.15,114400.17,90163.53,105289.65,35462.59,False,0,2.04,-18.35
LI-2024-INS004-004317,2023-03-01,4,76,80,1947,female,never_smoker,37.6,67,240,OH,USA,married,some_college,light_blue_collar,46953.05,0.1833,limited_exam,147,84,255,50,5.1,81,5.6,False,84.1,,False,False,False,False,True,breast,11.4,none,none,bipolar,1,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,18,UW-295,2.0,universal_life,100000,quarterly,1295.92,,10yr_declining,876.88,,,False,none,captive_agent,False,False,False,0.04799,0.188048,SOA_2015_VBT,SOA_Scale_MP2023,2.142,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04799,0.008,False,,1.0,False,,,,0.08,0.0783,False,normal_rate,5.87,1.9,False,False,False,False,False,0.874,13.4,9.6,sub_standard_longevity,29.6,baseline,1.363,0.299,True,41.9,False,,99123.12,5019.2,5065.97,4976.33,3540.45,False,0,-0.78,-8.55
LI-2024-INS004-004318,2002-05-01,12,21,33,1981,female,never_smoker,18.0,72,132,IL,USA,married,graduate,white_collar,106670.36,0.5338,simplified_issue,113,80,192,64,3.0,78,5.1,False,,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-119,2.25,indexed_ul,2000000,semi_annual,11593.51,,15yr_declining,11206.8,,,True,facultative,captive_agent,False,False,False,0.001358,0.005182,SOA_2015_VBT,SOA_Scale_MP2023,2.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001698,0.02,False,,1.0,False,,,,0.04,0.0229,False,normal_rate,6.15,1.63,False,False,False,False,False,0.833,70.0,55.0,super_preferred_longevity,100.0,baseline,1.1,0.545,False,,False,,1988793.2,98723.06,93534.07,92748.08,22027.67,False,0,1.43,-9.52
LI-2024-INS004-004319,2004-05-22,10,36,46,1968,female,never_smoker,29.1,68,191,RI,USA,married,high_school,heavy_blue_collar,105850.56,0.4027,full_paramedical,142,82,232,20,11.6,89,,False,80.9,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_3,0.62,3.0,False,False,False,False,16,UW-123,1.75,universal_life,250000,quarterly,1795.92,,15yr_declining,1666.08,,,False,none,employer_group,False,False,False,0.003155,0.009524,SOA_2015_VBT,SOA_Scale_MP2023,1.894,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.015,False,,1.0,False,,,,0.06,0.0446,False,normal_rate,3.2,1.03,False,False,False,False,False,0.802,58.0,48.0,super_preferred_longevity,90.5,baseline,1.198,0.532,False,,False,,248333.92,13736.1,12531.67,14367.36,3412.25,False,0,3.25,-0.62
LI-2024-INS004-004320,2014-02-26,9,26,35,1988,male,never_smoker,33.4,73,253,ID,USA,married,high_school,white_collar,81581.43,0.5396,full_paramedical,113,70,213,59,3.61,98,5.1,True,74.3,,False,False,True,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-055,2.25,term_life,500000,monthly,3607.53,25.0,none,,,,False,none,independent_broker,False,False,False,0.003792,0.01508,SOA_2015_VBT,SOA_Scale_MP2023,2.489,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004741,0.02,False,,1.0,False,,,,0.05,0.0634,False,normal_rate,4.28,0.59,False,False,False,False,False,0.847,70.0,55.0,super_preferred_longevity,100.0,baseline,1.095,0.615,False,,False,,500000.0,29050.1,27601.88,28860.24,6854.31,False,0,2.49,-15.72
LI-2024-INS004-004321,2002-02-25,2,27,29,1975,male,never_smoker,24.8,68,163,NJ,USA,single,some_college,professional,29198.46,0.8596,full_paramedical,96,67,202,61,3.31,121,5.1,False,106.6,,False,False,False,False,False,none,,none,none,depression,21,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-426,1.25,group_life,250000,quarterly,742.57,,none,,,,False,none,captive_agent,False,False,False,0.001394,0.002028,SOA_2015_VBT,SOA_Scale_MP2023,1.409,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000349,0.018,False,,1.0,True,2025-06-06,non_payment,2.0,0.15,0.1518,False,normal_rate,6.05,1.57,False,False,False,False,False,0.881,66.1,55.0,super_preferred_longevity,100.0,baseline,0.855,0.801,False,,False,,250000.0,6334.67,5639.93,5940.56,1410.88,False,0,2.64,14.94
LI-2024-INS004-004322,2011-12-08,4,30,34,1981,male,never_smoker,23.2,64,135,WA,USA,married,less_than_hs,heavy_blue_collar,44185.35,0.8296,accelerated_UW,130,79,184,51,3.61,77,,False,,,True,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,0.59,4.0,False,False,False,True,23,UW-276,2.0,whole_life,1000000,quarterly,6155.48,,none,4418.69,,,True,none,independent_broker,False,False,False,0.001792,0.005147,SOA_2015_VBT,SOA_Scale_MP2023,2.132,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001792,0.02,False,,1.0,False,,,,0.04,0.0415,False,normal_rate,3.83,2.98,False,False,False,False,False,0.962,64.1,55.0,super_preferred_longevity,100.0,baseline,0.878,0.985,False,,False,,995581.31,45355.44,49624.07,49243.84,11695.41,False,0,4.76,-14.03
LI-2024-INS004-004323,2000-09-07,13,20,33,1980,male,never_smoker,29.1,63,164,VA,USA,married,some_college,white_collar,274755.24,0.9359,limited_exam,147,84,215,25,8.6,105,,False,,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,21,UW-233,1.75,whole_life,500000,monthly,2454.38,,none,2562.87,,,True,quota_share,worksite,False,False,False,0.001698,0.00375,SOA_2015_VBT,SOA_Scale_MP2023,1.828,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001273,0.02,False,,1.0,False,,,,0.015,0.0143,False,normal_rate,3.84,0.51,False,False,False,False,False,0.829,70.0,55.0,super_preferred_longevity,100.0,baseline,0.798,0.817,False,,False,,497437.13,19554.8,18309.05,19635.04,4663.32,False,0,4.54,6.76
LI-2024-INS004-004324,2001-02-10,9,68,77,1933,female,former_smoker,32.2,59,159,WY,USA,married,high_school,white_collar,22212.01,0.3699,full_paramedical,138,91,262,51,5.14,116,7.3,False,57.8,,False,False,False,False,False,none,,type_2,none,substance_use_disorder,5,False,False,False,False,True,standard,,,False,True,False,False,32,UW-172,1.0,universal_life,500000,annual,3632.54,,10yr_declining,3226.13,,,True,none,captive_agent,False,False,False,0.047309,0.05859,SOA_2015_VBT,SOA_Scale_MP2023,1.013,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.06,0.0379,False,normal_rate,2.82,0.69,False,False,False,False,False,0.956,19.8,11.8,standard_longevity,35.7,baseline,1.223,0.357,True,62.1,False,,496773.87,18518.52,14859.09,17145.59,9284.77,False,0,4.86,14.55
LI-2024-INS004-004325,2020-05-09,2,78,80,1942,female,never_smoker,23.8,61,125,NY,USA,married,bachelors,light_blue_collar,65079.41,0.7861,full_paramedical,117,66,209,29,7.21,86,4.6,False,68.6,,False,True,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-124,2.0,term_life,100000,semi_annual,1190.62,10.0,none,,,,False,none,captive_agent,False,False,False,0.0461,0.135533,SOA_2015_VBT,SOA_Scale_MP2023,2.065,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0461,0.008,True,0.00276,1.0,False,,,,0.07,0.075,False,normal_rate,3.51,2.5,False,False,False,False,False,0.9,13.1,12.5,standard_longevity,43.0,baseline,0.91,0.879,True,70.0,False,,100000.0,6387.15,5638.5,5953.1,2976.55,False,0,-1.15,-10.22
LI-2024-INS004-004326,2007-03-18,8,29,37,1978,male,never_smoker,19.9,62,108,VT,USA,divorced,graduate,white_collar,112722.89,0.4577,non_med_guaranteed,111,76,146,67,2.18,65,5.0,False,85.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,11,UW-298,0.77,indexed_ul,250000,semi_annual,552.77,,15yr_declining,461.01,,,False,none,bank,False,False,False,0.002134,0.001896,SOA_2015_VBT,SOA_Scale_MP2023,0.768,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.036,False,normal_rate,3.19,2.17,False,False,False,False,False,0.792,63.0,55.0,super_preferred_longevity,100.0,baseline,1.157,0.436,False,,False,,249538.99,4307.1,4249.0,4422.16,1050.26,False,0,4.22,25.81
LI-2024-INS004-004327,2001-08-23,6,55,61,1946,female,unknown,25.7,63,145,WV,USA,married,bachelors,hazardous,46481.93,0.3574,limited_exam,132,81,178,48,3.71,96,4.8,False,87.7,,False,True,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,3.53,1.0,True,False,False,False,9,UW-470,1.25,whole_life,250000,annual,1554.28,,none,1180.48,,,False,none,captive_agent,False,False,False,0.0105,0.021523,SOA_2015_VBT,SOA_Scale_MP2023,1.461,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002625,0.008,False,,1.0,False,,,,0.02,0.0283,False,normal_rate,3.23,0.9,False,False,False,False,False,0.949,35.0,29.0,preferred_longevity,61.4,baseline,1.232,0.274,False,,False,,248819.52,11875.78,11465.09,12434.24,2953.13,False,0,3.06,12.97
LI-2024-INS004-004328,2021-10-15,6,42,48,1979,male,former_smoker,33.5,68,220,NH,USA,single,some_college,white_collar,49697.45,0.949,non_med_guaranteed,134,83,243,51,4.76,109,5.7,False,96.6,1.98,True,False,False,False,False,none,,pre_diabetes,none,none,3,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,57,UW-063,1.25,universal_life,100000,semi_annual,553.13,,15yr_declining,411.51,,,False,none,direct_to_consumer,False,False,False,0.005964,0.010522,SOA_2015_VBT,SOA_Scale_MP2023,1.266,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001491,0.018,True,0.00308,1.0,False,,,,0.06,0.0356,False,normal_rate,2.59,1.91,False,False,False,False,False,0.81,52.1,46.1,super_preferred_longevity,95.9,baseline,0.788,0.877,False,,False,,99588.49,4222.77,3884.31,4425.04,1050.95,False,0,1.48,9.9
LI-2024-INS004-004329,2002-03-11,5,65,70,1937,male,former_smoker,26.1,63,147,NC,USA,married,high_school,white_collar,75109.15,0.2938,full_paramedical,140,74,145,51,2.84,110,5.0,False,79.6,7.0,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-133,2.0,whole_life,500000,monthly,5642.64,,none,3932.76,,,False,none,bank,False,False,False,0.032737,0.126576,SOA_2015_VBT,SOA_Scale_MP2023,2.24,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032737,0.005,False,,1.0,False,,,,0.04,0.082,False,normal_rate,2.98,1.11,False,False,False,False,False,0.8,19.1,14.1,standard_longevity,38.1,baseline,1.28,0.269,False,,False,,496067.24,31207.14,30501.57,31824.49,13384.34,False,0,-0.33,-7.78
LI-2024-INS004-004330,2008-10-18,12,73,85,1935,female,unknown,29.2,61,154,DE,USA,married,bachelors,hazardous,40042.87,0.5723,limited_exam,144,75,160,49,3.27,95,,False,,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,4.19,1.0,True,False,False,False,16,UW-320,1.25,universal_life,1000000,quarterly,8897.36,,15yr_declining,8432.01,,,True,excess_of_loss,independent_broker,False,False,False,0.084356,0.144565,SOA_2015_VBT,SOA_Scale_MP2023,1.367,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021089,0.005,False,,1.0,False,,,,0.04,0.0224,False,normal_rate,1.6,2.04,False,False,False,False,False,0.981,18.9,6.9,standard_longevity,41.4,baseline,1.071,0.606,False,,False,,991567.99,22512.15,23251.27,24556.71,26229.42,False,0,1.46,12.7
LI-2024-INS004-004331,2001-03-27,6,70,76,1931,male,never_smoker,27.1,67,173,NE,USA,married,bachelors,light_blue_collar,71192.22,0.1773,full_paramedical,160,102,270,49,5.51,114,5.3,False,62.5,8.97,False,False,True,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-341,2.0,term_life,2000000,semi_annual,27632.92,25.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.041274,0.158013,SOA_2015_VBT,SOA_Scale_MP2023,2.069,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.041274,0.005,False,,1.0,False,,,,0.05,0.1091,False,normal_rate,1.14,0.91,False,False,False,False,False,0.961,15.8,9.8,standard_longevity,39.9,baseline,1.367,0.153,False,,False,,2000000.0,104283.43,106788.46,108321.05,75051.01,False,0,0.36,-11.99
LI-2024-INS004-004332,2007-09-04,19,75,94,1932,female,never_smoker,21.0,68,138,CT,USA,single,some_college,professional,145342.45,0.6811,limited_exam,149,88,214,72,2.97,103,5.6,False,67.6,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-197,2.25,term_life,250000,monthly,4484.81,15.0,none,,,,False,none,captive_agent,True,False,False,0.152169,0.548905,SOA_2015_VBT,SOA_Scale_MP2023,2.383,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.190211,0.005,False,,1.0,False,,,,0.03,0.0347,False,normal_rate,3.62,2.06,False,False,False,False,False,0.967,13.9,1.1,sub_standard_longevity,24.4,baseline,0.989,0.699,True,68.0,False,,250000.0,1975.03,2018.35,1973.32,15302.17,False,0,1.87,-17.92
LI-2024-INS004-004333,2010-03-08,2,67,69,1943,male,never_smoker,16.0,72,117,ME,USA,single,graduate,light_blue_collar,38448.81,0.6513,full_paramedical,135,78,243,49,4.96,95,6.1,False,60.9,3.38,False,False,False,False,False,none,,none,none,none,15,False,False,False,False,False,preferred,,,False,False,False,False,25,UW-433,0.81,annuity_deferred,1000000,annual,4617.34,,none,2895.69,,,True,none,independent_broker,False,False,False,0.022254,0.016951,SOA_2015_VBT,SOA_Scale_MP2023,0.753,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0472,False,normal_rate,4.38,2.23,False,False,False,False,False,0.782,19.7,18.9,standard_longevity,50.6,baseline,1.012,0.602,True,54.3,False,,997104.31,37174.91,34665.41,34907.09,9179.27,False,0,5.86,22.74
LI-2024-INS004-004334,2018-06-12,9,48,57,1970,male,never_smoker,29.6,66,183,NC,USA,divorced,bachelors,white_collar,158839.65,0.8335,full_paramedical,146,94,232,42,5.52,99,5.0,False,,1.13,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,8,UW-156,2.0,annuity_immediate,1000000,annual,9222.55,,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.009477,0.027361,SOA_2015_VBT,SOA_Scale_MP2023,2.157,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009477,0.018,False,,1.0,False,,,,0.003,0.005,False,normal_rate,3.55,1.91,False,False,False,True,False,0.883,44.3,38.3,super_preferred_longevity,82.5,baseline,0.875,0.726,True,59.1,False,,1000000.0,76421.73,74486.84,73780.4,17522.84,False,0,0.35,-7.96
LI-2024-INS004-004335,2000-02-22,12,58,70,1942,female,never_smoker,21.1,62,115,DE,USA,single,some_college,heavy_blue_collar,31672.49,0.8746,accelerated_UW,145,91,223,52,4.29,66,,False,95.7,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,0.8,1.0,False,False,False,True,11,UW-111,1.25,term_life,2000000,semi_annual,14736.93,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.019271,0.026403,SOA_2015_VBT,SOA_Scale_MP2023,1.327,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004818,0.008,False,,1.0,False,,,,0.03,0.036,False,normal_rate,3.04,1.81,False,False,False,False,False,0.927,33.4,21.4,standard_longevity,57.7,baseline,0.844,0.798,False,,False,,2000000.0,125148.92,105857.05,117895.44,28000.17,False,0,4.19,23.3
LI-2024-INS004-004336,2023-10-10,2,34,36,1989,male,never_smoker,29.1,67,185,MD,USA,widowed,some_college,professional,155870.78,0.534,limited_exam,117,64,230,39,5.9,109,,False,105.0,,False,False,False,False,False,none,,none,none,depression,3,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-404,1.25,term_life,1000000,monthly,3849.43,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.00201,0.003673,SOA_2015_VBT,SOA_Scale_MP2023,1.435,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000502,0.02,False,,1.0,True,2025-11-25,non_payment,2.0,0.07,0.0891,False,normal_rate,3.76,2.77,False,False,True,False,False,0.817,60.1,55.0,super_preferred_longevity,100.0,baseline,1.099,0.53,False,,False,,1000000.0,31017.36,31095.28,30795.44,7313.92,False,0,4.12,17.81
LI-2024-INS004-004337,2020-10-11,3,52,55,1968,male,never_smoker,27.4,73,207,NV,USA,married,bachelors,professional,96334.4,0.7646,full_paramedical,158,110,194,46,4.22,97,5.1,False,103.3,2.47,False,False,False,False,False,none,,none,none,anxiety,13,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,27,UW-009,2.0,term_life,500000,monthly,4110.8,10.0,none,,,,False,none,employer_group,False,False,False,0.008025,0.026241,SOA_2015_VBT,SOA_Scale_MP2023,2.151,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008025,0.015,True,0.00222,1.0,False,,,,0.07,0.3297,False,normal_rate,4.0,0.53,False,False,False,True,False,0.785,39.5,38.7,super_preferred_longevity,82.0,baseline,0.927,0.494,True,52.3,False,,500000.0,30545.6,30278.69,32886.4,7810.52,False,0,0.65,-2.02
LI-2024-INS004-004338,2006-09-18,10,49,59,1957,male,never_smoker,31.1,65,187,MS,USA,married,less_than_hs,white_collar,68555.2,0.483,full_paramedical,139,86,270,56,4.82,116,,False,,3.02,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,12,UW-418,1.25,term_life,500000,quarterly,3168.39,10.0,none,,,,False,none,independent_broker,False,False,False,0.010182,0.018312,SOA_2015_VBT,SOA_Scale_MP2023,1.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002546,0.012,False,,1.0,False,,,,0.05,0.0657,False,normal_rate,4.38,1.74,False,False,False,False,False,0.878,39.4,30.5,preferred_longevity,65.5,baseline,1.138,0.571,True,44.9,False,,500000.0,25712.97,24488.88,25347.12,6019.94,False,0,5.22,6.4
LI-2024-INS004-004339,2010-02-15,10,33,43,1977,male,never_smoker,25.3,76,208,CT,USA,married,some_college,professional,202570.25,0.7069,accelerated_UW,123,79,175,54,3.24,101,6.1,False,72.1,1.7,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,13,UW-288,2.0,indexed_ul,100000,quarterly,635.52,,10yr_declining,597.58,,,True,none,employer_group,False,False,False,0.003171,0.009971,SOA_2015_VBT,SOA_Scale_MP2023,2.211,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003171,0.018,False,,1.0,False,,,,0.06,0.0368,False,normal_rate,4.24,0.87,False,False,False,False,False,0.947,59.8,51.3,super_preferred_longevity,100.0,baseline,0.97,0.794,True,43.2,False,,99402.42,4853.58,4578.45,5084.16,1207.49,False,0,-1.69,-4.43
LI-2024-INS004-004340,2018-06-19,2,78,80,1940,female,never_smoker,21.5,60,110,DE,USA,married,some_college,professional,32541.07,0.904,limited_exam,133,91,259,42,6.17,91,5.5,False,68.5,,False,False,False,False,False,none,,none,none,depression,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-461,1.5,term_life,500000,annual,4531.55,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.045366,0.087904,SOA_2015_VBT,SOA_Scale_MP2023,1.749,respiratory,True,2018-06-24,True,False,811358.7,0.0007,5e-05,1.095,0.022683,0.008,False,,1.0,False,,,,0.07,0.0957,False,normal_rate,4.59,2.32,False,False,False,False,False,0.857,13.3,12.2,standard_longevity,44.4,baseline,0.822,0.817,True,57.6,False,,500000.0,20355.52,22562.91,22113.96,11437.63,False,0,1.05,15.66
LI-2024-INS004-004341,2023-03-28,3,66,69,1957,male,never_smoker,33.1,68,217,PA,USA,married,some_college,white_collar,42647.92,0.6565,limited_exam,136,80,273,48,5.69,80,5.1,False,,1.79,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-248,1.25,whole_life,500000,annual,4082.16,,none,2833.92,,,False,none,captive_agent,False,False,False,0.024111,0.037417,SOA_2015_VBT,SOA_Scale_MP2023,1.292,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006028,0.012,False,,1.0,False,,,,0.04,0.047,False,normal_rate,4.78,2.99,False,False,False,False,False,0.962,23.1,19.9,standard_longevity,52.2,baseline,1.008,0.696,True,29.5,False,,497166.08,30373.62,32965.76,32493.99,7788.76,False,0,3.5,10.23
LI-2024-INS004-004342,2001-06-23,4,61,65,1940,female,never_smoker,23.9,62,130,TN,USA,divorced,graduate,professional,45601.32,0.8918,full_paramedical,126,79,210,38,5.53,109,,False,76.3,,False,True,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,13,UW-249,1.0,term_life,250000,quarterly,1171.04,10.0,none,,,,False,none,worksite,False,False,False,0.012275,0.011131,SOA_2015_VBT,SOA_Scale_MP2023,1.091,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,True,2026-01-08,replacement,4.0,0.07,0.0691,False,normal_rate,4.41,1.09,True,False,False,False,False,0.908,30.2,26.2,preferred_longevity,65.2,baseline,0.831,1.0,False,,False,,250000.0,9903.27,8760.67,9368.32,2224.98,False,0,7.1,18.93
LI-2024-INS004-004343,2004-04-26,3,69,72,1935,female,never_smoker,26.9,70,187,MD,USA,single,high_school,professional,161123.17,0.6423,limited_exam,157,98,225,43,5.23,79,5.1,False,,,True,False,False,False,True,lymphoma,3.1,none,none,depression,3,False,False,False,False,True,declined,,,False,False,True,False,25,UW-202,7.0,term_life,5000000,annual,230517.08,25.0,none,,,,True,quota_share,independent_broker,False,False,False,0.023753,0.293149,SOA_2015_VBT,SOA_Scale_MP2023,6.228,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.142515,0.005,False,,1.0,False,,,,0.07,0.083,False,normal_rate,4.55,1.52,False,False,False,False,False,0.788,20.2,17.2,standard_longevity,47.9,baseline,1.018,0.522,False,,False,,5000000.0,1736331.78,1544072.53,1585957.51,489618.28,False,0,-5.0,-20.0
LI-2024-INS004-004344,2020-05-10,7,32,39,1988,female,never_smoker,34.9,61,184,TX,USA,single,bachelors,hazardous,128091.59,0.8452,full_paramedical,144,96,156,48,3.25,91,5.7,True,88.2,,True,False,False,False,False,none,,pre_diabetes,none,depression,2,False,False,False,False,True,substandard_table_2,3.36,2.0,True,False,False,False,39,UW-078,1.5,indexed_ul,2000000,monthly,11008.47,,10yr_declining,9205.43,,,True,coinsurance,employer_group,False,False,False,0.003871,0.00748,SOA_2015_VBT,SOA_Scale_MP2023,1.603,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001936,0.02,True,0.00017,1.0,False,,,,0.06,0.0332,False,normal_rate,4.58,2.05,False,False,False,False,False,0.757,67.2,55.0,super_preferred_longevity,100.0,baseline,0.866,0.875,False,,False,,1990794.57,90230.72,84256.4,88067.76,20916.09,False,0,1.65,10.7
LI-2024-INS004-004345,2005-08-26,7,23,30,1982,female,never_smoker,28.8,58,138,TN,USA,married,high_school,light_blue_collar,155207.23,0.5228,full_paramedical,115,71,226,54,4.19,117,5.6,False,79.3,,True,False,False,False,True,breast,0.0,none,none,none,7,False,False,False,False,True,standard,,,False,True,False,False,51,UW-397,1.0,universal_life,100000,monthly,254.87,,10yr_declining,215.78,,,True,facultative,bank,False,False,False,0.001168,0.001405,SOA_2015_VBT,SOA_Scale_MP2023,1.086,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.06,0.0346,False,normal_rate,1.25,2.6,False,False,False,False,False,0.971,70.0,55.0,super_preferred_longevity,100.0,baseline,1.108,0.515,False,,False,,99784.22,1927.15,1914.56,2038.96,484.25,False,0,2.05,20.59
LI-2024-INS004-004346,2014-05-06,7,55,62,1959,female,never_smoker,30.5,69,206,WV,USA,married,some_college,white_collar,82687.12,0.7235,simplified_issue,122,90,155,35,4.43,136,4.8,False,72.2,,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,20,UW-473,1.25,whole_life,500000,quarterly,2878.14,,none,2266.84,,,False,none,captive_agent,False,False,False,0.010776,0.017746,SOA_2015_VBT,SOA_Scale_MP2023,1.459,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002694,0.012,False,,1.0,False,,,,0.02,0.0224,False,normal_rate,4.32,0.72,False,False,False,False,False,0.763,38.7,31.7,preferred_longevity,70.9,baseline,0.957,0.751,False,,False,,497733.16,22101.7,22946.17,23025.12,5468.47,False,0,2.25,14.58
LI-2024-INS004-004347,2007-07-17,9,28,37,1979,female,never_smoker,33.8,67,215,VT,USA,married,bachelors,heavy_blue_collar,87340.9,0.614,simplified_issue,126,77,254,41,6.2,113,5.7,False,,,False,False,False,False,False,none,,pre_diabetes,none,depression,2,False,False,False,False,True,substandard_table_2,0.73,2.0,False,False,False,False,36,UW-075,1.5,term_life,500000,quarterly,2092.13,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001707,0.003926,SOA_2015_VBT,SOA_Scale_MP2023,1.731,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000854,0.018,False,,1.0,False,,,,0.05,0.0846,False,normal_rate,2.65,2.68,False,False,False,False,False,0.814,68.7,55.0,super_preferred_longevity,100.0,baseline,1.039,0.496,False,,False,,500000.0,16431.0,15463.28,16737.04,3975.05,False,0,6.07,3.79
LI-2024-INS004-004348,2013-04-19,4,61,65,1952,male,never_smoker,26.8,71,192,WA,USA,married,some_college,light_blue_collar,210623.82,0.7757,full_paramedical,131,71,204,38,5.37,101,5.0,False,73.9,2.86,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,8,UW-318,1.0,group_life,2000000,annual,10847.42,,none,,,,True,none,captive_agent,False,False,False,0.016032,0.016163,SOA_2015_VBT,SOA_Scale_MP2023,1.098,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.15,0.1619,False,normal_rate,4.4,2.34,False,False,False,False,False,0.793,27.9,28.0,preferred_longevity,66.1,baseline,0.918,0.805,True,82.4,False,,2000000.0,79953.77,90793.06,86779.36,20610.1,False,0,3.17,16.16
LI-2024-INS004-004349,2005-10-21,4,45,49,1960,male,never_smoker,34.0,73,257,IA,USA,married,bachelors,white_collar,101839.75,0.8526,non_med_guaranteed,137,89,224,35,6.4,90,6.0,False,,2.62,False,False,False,True,False,none,,pre_diabetes,none,schizophrenia,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,38,UW-392,2.5,whole_life,1000000,monthly,11104.25,,none,7602.62,,,True,facultative,employer_group,False,False,False,0.004595,0.016969,SOA_2015_VBT,SOA_Scale_MP2023,2.548,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006893,0.015,False,,1.0,False,,,,0.04,0.0489,False,normal_rate,5.65,2.14,False,False,False,False,False,0.931,45.6,41.6,super_preferred_longevity,87.7,baseline,0.861,0.73,False,,False,,992397.38,94881.44,80720.33,88834.0,21098.08,False,0,-0.16,-14.3
LI-2024-INS004-004350,2019-01-10,5,59,64,1960,female,former_smoker,34.9,60,178,NJ,USA,single,some_college,hazardous,106601.41,0.8718,full_paramedical,151,89,253,34,7.44,119,4.8,False,,,False,False,True,False,False,none,,none,none,anxiety,7,False,False,False,False,False,substandard_table_2,4.38,2.0,True,False,False,False,12,UW-335,1.5,whole_life,250000,monthly,1995.96,,none,1547.04,,,False,none,captive_agent,False,False,False,0.016589,0.031342,SOA_2015_VBT,SOA_Scale_MP2023,1.642,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008294,0.015,False,,1.0,False,,,,0.04,0.0401,False,normal_rate,4.6,2.82,False,False,False,False,False,0.817,38.7,36.9,super_preferred_longevity,90.9,baseline,0.846,0.827,True,62.4,False,,248452.96,16705.92,16089.73,15967.68,3792.32,False,0,2.86,7.14
LI-2024-INS004-004351,2002-09-14,22,55,77,1947,female,never_smoker,28.8,67,184,LA,USA,married,some_college,white_collar,86506.17,0.4291,full_paramedical,135,74,280,39,7.18,84,,False,61.5,,False,True,False,False,False,none,,none,none,anxiety,0,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-151,1.5,annuity_immediate,1000000,semi_annual,9180.87,,none,,,,True,none,employer_group,False,False,False,0.036972,0.094279,SOA_2015_VBT,SOA_Scale_MP2023,1.74,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018486,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.69,0.52,False,False,False,False,False,0.946,35.4,13.4,standard_longevity,39.0,baseline,1.178,0.35,False,,False,,1000000.0,54016.36,42561.32,49209.46,22291.15,False,0,3.17,9.33
LI-2024-INS004-004352,2011-06-02,12,45,57,1966,male,never_smoker,21.5,62,117,NV,USA,single,high_school,professional,69470.65,0.4753,simplified_issue,121,68,155,76,2.04,63,4.7,False,81.2,0.89,False,False,False,False,False,none,,none,none,bipolar,10,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,4,UW-077,2.0,indexed_ul,500000,monthly,4416.8,,10yr_declining,4559.17,,,True,excess_of_loss,captive_agent,False,False,False,0.009477,0.031617,SOA_2015_VBT,SOA_Scale_MP2023,2.043,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009477,0.015,False,,1.0,False,,,,0.04,0.0528,False,normal_rate,2.11,2.38,False,False,False,False,False,0.958,45.0,33.0,preferred_longevity,69.1,baseline,1.144,0.535,False,,False,,495440.83,34863.56,35558.99,35334.4,8391.92,False,0,0.99,-5.61
LI-2024-INS004-004353,2023-03-17,1,75,76,1948,male,never_smoker,28.2,70,196,LA,USA,married,high_school,light_blue_collar,202012.68,0.4845,limited_exam,127,77,261,54,4.83,89,4.7,False,,2.23,False,False,False,False,False,none,,none,none,anxiety,9,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-117,1.25,indexed_ul,500000,annual,3977.76,,10yr_declining,2550.77,,,False,none,employer_group,False,False,False,0.042696,0.078033,SOA_2015_VBT,SOA_Scale_MP2023,1.388,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010674,0.008,False,,1.0,False,,,,0.11,0.078,False,normal_rate,2.51,0.83,False,False,False,False,False,0.807,11.8,10.8,standard_longevity,36.0,baseline,1.137,0.508,False,,False,,497449.23,18565.79,17814.07,17183.92,10485.38,False,0,3.3,12.39
LI-2024-INS004-004354,2008-01-11,14,50,64,1958,male,former_smoker,25.2,61,133,OH,USA,divorced,high_school,professional,123656.81,0.4291,full_paramedical,132,79,280,54,5.19,113,,False,88.7,8.28,True,False,False,False,False,none,,none,none,bipolar,7,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,50,UW-109,2.0,term_life,1000000,semi_annual,12151.05,20.0,none,,,,True,none,employer_group,False,False,False,0.020551,0.069848,SOA_2015_VBT,SOA_Scale_MP2023,2.036,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020551,0.012,False,,1.0,False,,,,0.03,0.0488,False,normal_rate,2.32,0.64,False,False,False,False,False,0.817,38.4,24.4,standard_longevity,55.5,baseline,1.178,0.436,False,,False,,1000000.0,104798.33,95040.68,97208.4,23086.99,False,0,2.76,-7.25
LI-2024-INS004-004355,2008-03-12,11,43,54,1965,female,never_smoker,31.7,64,184,KY,USA,single,some_college,light_blue_collar,140992.41,0.708,full_paramedical,117,75,247,51,4.84,87,5.1,False,83.6,,False,False,False,False,True,melanoma,10.8,none,none,depression,4,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,30,UW-254,1.5,term_life,500000,quarterly,3334.69,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.005914,0.011615,SOA_2015_VBT,SOA_Scale_MP2023,1.511,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.015,False,,1.0,False,,,,0.03,0.0476,False,normal_rate,3.47,0.75,False,True,False,False,False,0.885,51.8,42.8,super_preferred_longevity,87.3,baseline,0.969,0.774,True,48.9,False,,500000.0,26011.76,25683.66,26677.52,6335.91,False,0,4.35,9.25
LI-2024-INS004-004356,2009-06-16,18,54,72,1955,male,current_smoker,25.4,63,143,CA,USA,married,bachelors,hazardous,71352.32,0.5772,full_paramedical,152,97,186,50,3.72,78,5.2,True,,5.31,False,False,True,False,True,prostate,2.8,none,none,anxiety,2,False,False,True,False,True,substandard_table_6,4.12,6.0,True,False,False,False,46,UW-182,2.5,whole_life,1000000,semi_annual,16900.23,,none,20593.07,,,True,excess_of_loss,worksite,False,False,False,0.061168,0.255913,SOA_2015_VBT,SOA_Scale_MP2023,2.515,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.091753,0.012,False,,1.0,False,,,,0.015,0.0186,False,normal_rate,3.34,0.83,False,False,False,False,False,0.886,37.5,22.0,preferred_longevity,64.2,baseline,1.067,0.585,True,70.7,False,,979406.93,137639.42,126947.61,135201.84,32110.44,False,0,-1.3,-20.0
LI-2024-INS004-004357,2002-02-06,14,55,69,1947,male,never_smoker,34.3,73,260,AK,USA,married,bachelors,white_collar,28219.58,0.7432,limited_exam,131,76,260,58,4.48,119,8.3,False,54.3,2.7,True,False,False,False,False,none,,type_2,none,anxiety,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,41,UW-334,2.25,indexed_ul,250000,quarterly,3324.14,,15yr_declining,3572.75,,,False,none,employer_group,False,False,False,0.022981,0.078397,SOA_2015_VBT,SOA_Scale_MP2023,2.293,cardiovascular,True,2007-09-05,False,False,960262.11,0.0007,5e-05,1.095,0.028726,0.008,False,,1.0,False,,,,0.04,0.0239,False,normal_rate,4.04,1.46,False,False,False,False,False,0.84,32.7,18.7,standard_longevity,51.7,baseline,0.943,0.635,False,,False,,246427.25,24886.02,25605.2,24864.57,6661.58,False,0,2.35,-16.14
LI-2024-INS004-004358,2018-06-04,3,79,82,1939,male,former_smoker,36.2,71,259,NV,USA,single,bachelors,light_blue_collar,65107.36,0.4882,limited_exam,152,90,262,56,4.68,111,5.4,False,,10.63,False,True,True,False,False,none,,none,none,none,21,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,10,UW-187,1.5,indexed_ul,100000,annual,1072.14,,10yr_declining,754.94,,,False,none,independent_broker,False,False,False,0.094033,0.232215,SOA_2015_VBT,SOA_Scale_MP2023,1.737,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.047017,0.005,False,,1.0,False,,,,0.08,0.0471,False,normal_rate,5.75,0.83,False,True,False,False,False,0.804,9.2,6.2,standard_longevity,39.1,baseline,1.134,0.539,False,,False,,99245.06,2873.39,2646.94,2658.91,3220.71,False,0,2.56,5.56
LI-2024-INS004-004359,2020-01-20,7,46,53,1974,female,current_smoker,26.5,71,189,MD,USA,married,some_college,professional,32350.19,0.264,full_paramedical,108,66,215,53,4.06,111,5.0,True,91.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-278,1.5,annuity_immediate,1000000,monthly,6135.8,,none,,,,True,none,bank,False,False,False,0.010901,0.032251,SOA_2015_VBT,SOA_Scale_MP2023,1.634,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005451,0.018,True,0.00361,1.0,False,,,,0.003,0.005,False,normal_rate,4.54,1.42,False,False,False,False,False,0.854,48.6,41.6,preferred_longevity,78.9,baseline,1.302,0.309,False,,False,,1000000.0,46028.63,51195.78,49086.4,11658.02,False,0,1.83,-4.97
LI-2024-INS004-004360,2006-09-16,14,31,45,1975,female,current_smoker,28.7,70,199,LA,USA,divorced,some_college,white_collar,275837.32,0.7868,limited_exam,111,66,237,51,4.65,83,,True,98.4,,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,22,UW-291,1.0,universal_life,500000,semi_annual,1889.71,,10yr_declining,1944.59,,,False,none,independent_broker,False,False,False,0.00586,0.005764,SOA_2015_VBT,SOA_Scale_MP2023,1.081,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0428,False,normal_rate,5.65,1.4,False,False,False,False,False,0.996,65.8,56.1,super_preferred_longevity,100.0,baseline,0.91,0.64,True,58.9,False,,498055.41,14165.24,14403.9,15117.68,3590.45,False,0,2.49,20.58
LI-2024-INS004-004361,2007-12-25,14,64,78,1943,male,former_smoker,31.0,72,228,MT,USA,married,some_college,heavy_blue_collar,59151.64,0.4193,full_paramedical,169,111,192,62,3.1,103,,False,63.4,6.47,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,0.96,,False,True,False,False,8,UW-244,1.0,term_life,250000,annual,1659.63,20.0,none,,,,False,none,independent_broker,False,False,False,0.063474,0.077432,SOA_2015_VBT,SOA_Scale_MP2023,1.029,accident,True,2011-04-17,False,False,146296.86,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0409,False,normal_rate,4.84,0.51,False,False,False,False,False,0.936,24.8,10.8,standard_longevity,45.0,baseline,1.186,0.528,False,,False,,250000.0,7332.7,6126.21,7169.6,4374.78,False,0,3.78,8.02
LI-2024-INS004-004362,2019-02-11,3,66,69,1953,female,never_smoker,23.4,66,145,IN,USA,divorced,some_college,professional,165045.75,0.4868,limited_exam,110,69,205,40,5.12,78,5.1,False,,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,30,UW-066,1.25,annuity_deferred,1000000,monthly,6316.76,,none,4431.57,,,True,facultative,independent_broker,True,False,False,0.018379,0.033818,SOA_2015_VBT,SOA_Scale_MP2023,1.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004595,0.012,False,,1.0,False,,,,0.04,0.0524,False,normal_rate,4.04,1.26,False,False,False,False,True,0.993,28.9,25.9,preferred_longevity,68.7,baseline,1.135,0.502,False,,False,,995568.43,50772.89,43804.61,50534.08,12001.84,False,0,3.99,13.6
LI-2024-INS004-004363,2021-09-28,6,67,73,1954,female,never_smoker,24.5,63,138,VT,USA,married,some_college,light_blue_collar,160002.25,0.7234,full_paramedical,149,90,192,48,4.0,94,,False,77.6,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,False,28,UW-310,2.25,annuity_deferred,1000000,monthly,14025.3,,none,10446.51,3948.78,0.378,True,none,captive_agent,False,False,False,0.026382,0.093274,SOA_2015_VBT,SOA_Scale_MP2023,2.286,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032977,0.012,True,0.00256,1.0,False,,,,0.02,0.0135,False,normal_rate,2.52,1.89,False,False,False,False,False,0.913,26.0,20.0,standard_longevity,53.4,baseline,0.957,0.738,False,,False,,989553.49,121554.52,108963.42,112202.4,26648.07,False,0,1.32,-17.89
LI-2024-INS004-004364,2000-02-22,13,53,66,1947,male,former_smoker,30.6,74,238,KY,USA,married,some_college,light_blue_collar,144171.45,0.8409,full_paramedical,135,83,180,35,5.14,100,4.7,False,69.6,1.89,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-286,1.25,group_life,1000000,annual,7088.85,,none,,,,True,none,direct_to_consumer,False,False,False,0.023011,0.032158,SOA_2015_VBT,SOA_Scale_MP2023,1.32,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005753,0.008,False,,1.0,False,,,,0.1,0.1438,False,normal_rate,3.67,1.73,False,False,False,False,False,0.859,35.1,22.1,standard_longevity,58.3,baseline,0.869,0.794,False,,False,,1000000.0,59363.26,51899.0,56710.8,13468.82,False,0,0.24,12.36
LI-2024-INS004-004365,2011-07-12,11,74,85,1937,male,never_smoker,38.0,74,295,AZ,USA,widowed,bachelors,light_blue_collar,71206.52,0.461,full_paramedical,147,85,194,44,4.41,140,5.2,False,58.2,18.15,True,False,False,False,False,none,,none,none,depression,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,28,UW-231,1.5,annuity_deferred,500000,annual,5448.99,,none,5282.19,2936.9,0.556,False,none,employer_group,False,False,False,0.092615,0.221839,SOA_2015_VBT,SOA_Scale_MP2023,1.642,cardiovascular,True,2017-11-07,False,False,971289.62,0.0007,5e-05,1.095,0.046308,0.005,False,,1.0,False,,,,0.01,0.0096,False,normal_rate,3.27,2.66,False,False,False,False,False,0.999,10.8,1.0,sub_standard_longevity,20.9,baseline,1.154,0.497,False,,False,,494717.81,1961.74,2268.54,2179.6,18635.55,False,0,1.47,4.15
LI-2024-INS004-004366,2000-08-03,8,52,60,1948,female,never_smoker,22.8,60,116,SD,USA,divorced,graduate,white_collar,23328.3,0.831,accelerated_UW,136,94,182,37,4.92,91,5.5,False,50.1,,False,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,True,42,UW-280,1.5,term_life,500000,semi_annual,3887.33,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.00852,0.016152,SOA_2015_VBT,SOA_Scale_MP2023,1.592,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00426,0.008,False,,1.0,False,,,,0.05,0.0621,False,normal_rate,2.24,1.84,False,False,False,True,False,0.872,40.2,32.2,preferred_longevity,73.3,baseline,0.877,1.0,False,,False,,500000.0,32371.7,30180.87,31098.64,7385.93,False,0,3.9,7.23
LI-2024-INS004-004367,2004-06-07,10,56,66,1948,female,former_smoker,24.9,64,144,KY,USA,married,high_school,white_collar,54705.47,0.5139,simplified_issue,130,89,226,52,4.35,109,,False,73.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,standard,,,False,True,False,False,11,UW-355,1.0,universal_life,1000000,monthly,5919.04,,15yr_declining,5397.2,,,True,none,bank,True,False,False,0.018557,0.020704,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.06,0.0348,False,normal_rate,2.64,1.18,False,False,False,False,False,0.988,34.9,24.9,standard_longevity,57.6,baseline,1.115,0.532,False,,False,,994602.8,51685.84,48007.77,47352.32,11246.18,False,0,2.38,16.54
LI-2024-INS004-004368,2001-10-02,10,48,58,1953,male,never_smoker,19.2,66,118,ND,USA,married,bachelors,professional,75953.76,0.5789,full_paramedical,136,82,183,68,2.69,79,,False,,2.52,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-134,1.25,term_life,500000,monthly,3222.2,15.0,none,,,,False,none,bank,False,False,False,0.008917,0.016019,SOA_2015_VBT,SOA_Scale_MP2023,1.451,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002229,0.012,False,,1.0,False,,,,0.05,0.0618,False,normal_rate,3.64,0.63,False,False,False,False,False,0.997,40.2,30.2,preferred_longevity,66.5,baseline,1.066,0.616,False,,False,,500000.0,24794.93,25328.34,25777.6,6122.18,False,0,2.35,13.38
LI-2024-INS004-004369,2019-11-04,1,48,49,1971,female,former_smoker,27.6,61,146,NM,USA,divorced,some_college,professional,20000.0,0.5185,non_med_guaranteed,108,69,189,31,6.1,102,4.6,False,,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,9,UW-010,1.5,annuity_deferred,100000,semi_annual,540.27,,none,332.14,,,False,none,direct_to_consumer,False,False,False,0.005154,0.01162,SOA_2015_VBT,SOA_Scale_MP2023,1.579,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002577,0.018,False,,1.0,False,,,,0.06,0.108,False,normal_rate,1.94,2.31,False,False,False,False,False,0.829,50.2,49.2,super_preferred_longevity,100.0,baseline,1.111,0.459,False,,False,,99667.86,4305.7,3806.21,4322.16,1026.51,False,0,2.01,10.89
LI-2024-INS004-004370,2017-03-14,2,52,54,1965,female,never_smoker,27.4,65,164,NV,USA,married,some_college,professional,71905.52,0.4717,simplified_issue,139,96,210,55,3.82,100,,False,61.5,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,41,UW-387,1.5,indexed_ul,500000,annual,3696.84,,15yr_declining,2563.59,,,False,none,captive_agent,False,False,False,0.005914,0.014717,SOA_2015_VBT,SOA_Scale_MP2023,1.735,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.015,False,,1.0,False,,,,0.08,0.0476,False,normal_rate,1.21,1.61,True,False,False,False,False,0.853,41.8,39.8,preferred_longevity,79.3,baseline,1.146,0.331,False,,False,,497436.41,28655.15,25516.61,29574.72,7024.0,False,0,4.05,7.67
LI-2024-INS004-004371,2019-07-25,4,57,61,1962,male,never_smoker,34.9,70,243,DE,USA,divorced,bachelors,white_collar,173881.4,0.882,accelerated_UW,131,80,265,50,5.3,94,4.8,False,64.9,12.44,True,False,False,False,False,none,,none,none,anxiety,7,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,True,19,UW-320,1.25,group_life,1000000,annual,6872.03,,none,,,,True,facultative,bank,False,False,False,0.012705,0.019049,SOA_2015_VBT,SOA_Scale_MP2023,1.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003176,0.015,False,,1.0,False,,,,0.15,0.1492,False,normal_rate,3.73,1.86,False,False,False,False,False,0.892,34.0,30.0,preferred_longevity,70.7,baseline,0.839,0.73,False,,False,,1000000.0,58950.39,54525.5,54976.24,13056.86,False,0,4.73,13.35
LI-2024-INS004-004372,2021-11-18,2,23,25,1998,female,never_smoker,30.3,66,187,VT,USA,single,graduate,white_collar,116266.77,0.5393,full_paramedical,122,73,123,50,2.46,74,,False,105.8,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,preferred,,,False,False,False,False,28,UW-098,0.82,term_life,1000000,semi_annual,1906.17,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.000946,0.007125,SOA_2015_VBT,SOA_Scale_MP2023,0.766,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00633,1.0,False,,,,0.07,0.0888,False,normal_rate,3.69,2.57,False,False,False,False,False,0.871,70.0,57.9,super_preferred_longevity,100.0,baseline,1.096,0.512,True,50.2,False,,1000000.0,15687.23,15789.14,15249.36,3621.72,False,0,4.71,17.6
LI-2024-INS004-004373,2000-12-02,20,36,56,1964,male,unknown,35.6,65,214,MI,USA,married,high_school,white_collar,108217.12,0.7214,accelerated_UW,130,74,230,29,7.93,139,4.9,False,65.7,9.59,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,12,UW-052,1.5,term_life,500000,quarterly,3580.16,30.0,none,,,,False,none,employer_group,False,False,False,0.009876,0.020602,SOA_2015_VBT,SOA_Scale_MP2023,1.654,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004938,0.015,False,,1.0,False,,,,0.03,0.0404,False,normal_rate,3.27,2.63,False,False,False,False,False,0.768,54.7,35.5,preferred_longevity,76.6,baseline,0.959,0.632,True,41.1,False,,500000.0,27909.23,27046.86,28641.28,6802.3,False,0,3.34,12.91
LI-2024-INS004-004374,2000-01-15,13,30,43,1970,female,current_smoker,19.3,70,134,AL,USA,married,some_college,white_collar,476775.92,0.8349,full_paramedical,124,73,172,41,4.2,119,5.3,True,78.6,,True,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,14,UW-097,1.5,whole_life,250000,monthly,1329.2,,none,1321.27,,,False,none,captive_agent,False,False,False,0.005074,0.009888,SOA_2015_VBT,SOA_Scale_MP2023,1.658,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002537,0.018,False,,1.0,False,,,,0.015,0.0155,False,normal_rate,2.92,1.99,False,False,False,False,False,1.0,66.3,54.7,super_preferred_longevity,100.0,baseline,0.874,0.826,True,41.6,False,,248678.73,9697.07,10624.44,10633.6,2525.48,False,0,7.04,0.08
LI-2024-INS004-004375,2018-11-10,6,74,80,1944,male,former_smoker,22.1,75,176,NE,USA,married,some_college,light_blue_collar,61367.24,0.817,full_paramedical,128,73,253,48,5.27,75,4.9,False,,9.48,False,False,False,False,False,none,,none,none,bipolar,2,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-462,2.0,universal_life,1000000,semi_annual,13176.36,,15yr_declining,9875.81,,,True,excess_of_loss,bank,False,False,False,0.076126,0.211347,SOA_2015_VBT,SOA_Scale_MP2023,2.002,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.076126,0.008,False,,1.0,False,,,,0.06,0.0283,False,normal_rate,4.74,2.76,False,False,False,False,False,0.794,13.5,7.5,standard_longevity,36.0,baseline,0.887,0.752,False,,False,,990124.19,38662.68,40631.92,39529.08,38211.44,False,0,2.9,-12.03
LI-2024-INS004-004376,2012-07-09,8,56,64,1956,male,unknown,25.1,60,128,DE,USA,married,high_school,heavy_blue_collar,20000.0,0.5545,full_paramedical,130,82,175,52,3.37,85,6.1,False,,3.1,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,0.86,,False,True,False,False,19,UW-236,1.0,group_life,500000,monthly,2491.06,,none,,,,False,none,independent_broker,False,False,False,0.017746,0.020124,SOA_2015_VBT,SOA_Scale_MP2023,1.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.12,0.1508,False,normal_rate,3.16,1.86,False,True,False,False,False,0.826,32.6,24.6,standard_longevity,57.7,baseline,1.084,0.51,False,,False,,500000.0,18024.17,19229.14,19928.48,4733.01,False,0,2.65,23.65
LI-2024-INS004-004377,2008-04-27,10,32,42,1976,male,never_smoker,23.5,69,159,MS,USA,married,high_school,light_blue_collar,111794.36,0.5638,accelerated_UW,120,66,195,58,3.36,61,4.9,False,119.6,1.29,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,24,UW-419,2.25,whole_life,500000,quarterly,4285.92,,none,3967.37,,,False,none,worksite,False,False,False,0.002957,0.011089,SOA_2015_VBT,SOA_Scale_MP2023,2.321,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003696,0.018,False,,1.0,False,,,,0.02,0.025,False,normal_rate,3.7,0.6,False,False,False,False,False,0.943,60.1,50.1,super_preferred_longevity,96.1,baseline,1.077,0.538,False,,False,,496032.63,30970.24,32595.09,34287.36,8143.25,False,0,1.75,-12.77
LI-2024-INS004-004378,2009-10-22,4,63,67,1946,female,never_smoker,20.0,63,112,NE,USA,married,high_school,heavy_blue_collar,24574.56,0.6323,full_paramedical,143,83,231,52,4.44,60,5.2,False,87.7,,False,False,True,False,False,none,,none,none,anxiety,0,True,False,False,False,False,substandard_table_1,5.58,1.0,True,False,False,False,24,UW-026,1.25,term_life,500000,semi_annual,3198.83,20.0,none,,,,False,none,bank,True,False,False,0.015322,0.02519,SOA_2015_VBT,SOA_Scale_MP2023,1.359,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003831,0.008,False,,1.0,False,,,,0.07,0.0836,False,normal_rate,2.66,0.99,True,True,False,False,False,0.762,31.1,28.7,preferred_longevity,75.0,baseline,1.026,0.702,True,52.2,False,,500000.0,23130.3,25892.11,25590.64,6077.78,False,0,3.98,14.47
LI-2024-INS004-004379,2003-06-02,1,47,48,1956,female,never_smoker,31.8,69,215,KY,USA,divorced,some_college,professional,143925.42,0.1662,full_paramedical,128,66,256,34,7.53,112,5.4,False,87.5,,False,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-066,2.0,term_life,1000000,annual,7283.8,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.003292,0.012755,SOA_2015_VBT,SOA_Scale_MP2023,2.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003292,0.012,False,,1.0,True,2026-03-13,non_payment,1.0,0.1,0.2194,False,normal_rate,0.94,1.8,False,False,False,False,False,0.945,47.0,46.0,super_preferred_longevity,94.0,baseline,1.375,0.129,False,,False,,1000000.0,55055.22,52247.58,58270.4,13839.22,False,0,-0.83,-7.52
LI-2024-INS004-004380,2009-10-17,18,66,84,1943,male,never_smoker,26.4,71,189,TN,USA,married,high_school,professional,88835.38,0.9346,non_med_guaranteed,141,91,180,41,4.39,86,5.1,False,76.7,11.65,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-431,2.25,indexed_ul,1000000,monthly,13693.15,,15yr_declining,16765.86,,,True,none,employer_group,False,False,False,0.081999,0.258963,SOA_2015_VBT,SOA_Scale_MP2023,2.388,respiratory,True,2025-06-07,False,False,1092288.18,0.0007,5e-05,1.095,0.102498,0.008,False,,1.0,False,,,,0.04,0.0457,False,normal_rate,2.21,2.53,False,False,False,False,False,0.924,21.8,3.8,sub_standard_longevity,32.2,baseline,0.799,0.992,False,,False,,983234.14,22466.86,18831.46,20813.59,43763.31,False,0,0.78,-6.91
LI-2024-INS004-004381,2008-12-01,10,52,62,1956,male,former_smoker,30.4,73,230,LA,USA,married,bachelors,light_blue_collar,20000.0,0.6474,full_paramedical,142,87,205,57,3.6,109,5.8,False,92.3,2.76,True,True,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,25,UW-024,2.25,universal_life,2000000,monthly,21505.37,,10yr_declining,19256.04,,,True,quota_share,independent_broker,False,False,False,0.016889,0.06055,SOA_2015_VBT,SOA_Scale_MP2023,2.302,cancer,True,2013-01-25,False,False,1500237.49,0.0007,5e-05,1.095,0.021111,0.012,False,,1.0,True,2025-08-10,voluntary_surrender,10.0,0.06,0.0319,False,normal_rate,3.92,2.81,False,False,False,True,False,0.813,36.9,26.9,preferred_longevity,62.6,baseline,1.014,0.666,False,,False,,1980743.96,174183.37,176331.81,172042.96,40860.2,False,0,0.98,-11.8
LI-2024-INS004-004382,2013-06-23,2,70,72,1943,female,former_smoker,26.2,60,133,MT,USA,married,bachelors,light_blue_collar,20000.0,0.3459,full_paramedical,154,95,224,49,4.57,88,5.4,False,,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-477,2.25,term_life,500000,monthly,6932.92,10.0,none,,,,False,none,direct_to_consumer,False,False,False,0.030076,0.128784,SOA_2015_VBT,SOA_Scale_MP2023,2.444,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037595,0.008,False,,1.0,False,,,,0.07,0.1395,False,normal_rate,3.37,0.54,False,False,False,False,False,0.784,19.5,17.5,standard_longevity,43.9,baseline,1.241,0.426,False,,False,,500000.0,43841.43,47503.7,48530.44,14559.13,False,0,0.79,-18.13
LI-2024-INS004-004383,2012-08-19,12,42,54,1970,male,never_smoker,39.7,63,224,MA,USA,single,bachelors,white_collar,155633.39,0.6699,simplified_issue,129,83,259,38,6.82,116,4.9,False,,1.42,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-427,2.25,whole_life,250000,annual,2808.4,,none,2733.48,,,False,none,direct_to_consumer,False,False,False,0.007392,0.02623,SOA_2015_VBT,SOA_Scale_MP2023,2.304,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00924,0.018,False,,1.0,False,,,,0.015,0.0244,False,normal_rate,2.88,1.28,False,False,False,False,False,0.809,49.6,41.4,super_preferred_longevity,84.6,baseline,0.998,0.787,True,63.9,False,,247266.52,21911.08,20341.99,22467.2,5335.96,False,0,-1.86,-6.36
LI-2024-INS004-004384,2005-04-01,19,74,93,1931,male,former_smoker,28.0,67,179,WA,USA,married,bachelors,white_collar,258030.25,0.3218,full_paramedical,160,102,214,38,5.63,119,4.8,False,81.0,14.11,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-339,2.0,term_life,250000,monthly,3859.93,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.227135,0.812052,SOA_2015_VBT,SOA_Scale_MP2023,2.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.227135,0.005,False,,1.0,False,,,,0.03,0.0606,False,normal_rate,3.3,1.88,False,False,False,False,False,0.846,9.3,1.0,sub_standard_longevity,18.8,baseline,1.259,0.539,False,,False,,250000.0,1463.81,1334.93,1543.97,13200.96,False,0,1.99,-8.88
LI-2024-INS004-004385,2010-01-12,3,63,66,1947,male,current_smoker,23.8,76,195,PA,USA,single,bachelors,light_blue_collar,101286.16,0.0993,limited_exam,121,79,234,62,3.77,117,5.3,True,,2.83,False,False,False,False,False,none,,none,moderate_gold_2,bipolar,3,True,False,False,True,True,substandard_table_6,4.65,6.0,True,False,False,False,37,UW-362,2.5,universal_life,1000000,quarterly,12635.57,,15yr_declining,8737.0,,,True,none,independent_broker,False,False,False,0.035402,0.190826,SOA_2015_VBT,SOA_Scale_MP2023,2.729,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.053103,0.008,False,,1.0,False,,,,0.08,0.0817,False,normal_rate,3.29,1.91,False,False,False,False,False,0.751,22.1,19.7,standard_longevity,43.5,baseline,1.426,0.0,True,43.9,False,,991263.0,94916.03,90128.62,99568.29,24310.84,False,0,-0.42,-20.0
LI-2024-INS004-004386,2016-07-03,5,45,50,1971,male,current_smoker,25.7,73,194,FL,USA,widowed,some_college,hazardous,108047.54,0.5259,full_paramedical,116,63,194,48,4.04,85,5.3,True,,0.84,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,4.11,2.0,True,False,False,False,27,UW-141,1.5,whole_life,500000,monthly,2773.1,,none,2096.59,,,False,none,worksite,False,False,False,0.010719,0.025126,SOA_2015_VBT,SOA_Scale_MP2023,1.668,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.018,False,,1.0,False,,,,0.04,0.0512,False,normal_rate,5.55,1.31,True,False,False,False,False,0.774,46.2,41.2,super_preferred_longevity,82.2,baseline,1.106,0.662,False,,False,,497903.41,22511.44,22273.77,22184.8,5268.89,False,0,6.48,5.35
LI-2024-INS004-004387,2000-08-02,11,29,40,1971,female,never_smoker,36.6,67,233,LA,USA,single,high_school,light_blue_collar,56502.33,0.7653,accelerated_UW,129,70,199,51,3.9,89,5.1,False,96.7,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,13,UW-139,2.25,whole_life,100000,annual,740.56,,none,678.34,,,False,none,independent_broker,False,False,False,0.002066,0.007155,SOA_2015_VBT,SOA_Scale_MP2023,2.39,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002583,0.018,False,,1.0,False,,,,0.015,0.0163,False,normal_rate,3.15,1.04,False,False,False,False,False,0.802,67.2,55.0,super_preferred_longevity,100.0,baseline,0.926,0.65,False,,False,,99321.66,5626.22,5461.17,5924.48,1407.06,False,0,-4.06,-7.91
LI-2024-INS004-004388,2009-01-11,14,33,47,1976,male,never_smoker,34.5,62,188,RI,USA,divorced,bachelors,light_blue_collar,29521.15,0.849,full_paramedical,118,76,200,61,3.28,108,5.7,False,101.3,1.36,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-394,1.25,universal_life,1000000,monthly,5189.88,,10yr_declining,5699.83,,,True,excess_of_loss,captive_agent,False,False,False,0.004251,0.00576,SOA_2015_VBT,SOA_Scale_MP2023,1.28,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001063,0.018,False,,1.0,False,,,,0.04,0.0408,False,normal_rate,3.5,2.61,False,False,False,False,False,0.766,60.2,46.2,super_preferred_longevity,94.5,baseline,0.863,0.888,False,,False,,994300.17,45518.15,37744.35,41519.04,9860.77,False,0,3.05,22.89
LI-2024-INS004-004389,2013-07-14,3,66,69,1947,male,never_smoker,24.1,74,187,CA,USA,married,high_school,heavy_blue_collar,137972.34,0.797,full_paramedical,128,71,206,64,3.22,102,,False,64.5,2.2,True,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,1.03,,False,False,False,False,22,UW-026,0.58,term_life,500000,monthly,1680.01,25.0,none,,,,False,none,employer_group,False,False,False,0.022981,0.014203,SOA_2015_VBT,SOA_Scale_MP2023,0.685,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0892,False,normal_rate,2.49,0.82,False,False,False,False,False,0.957,21.9,18.9,standard_longevity,52.8,baseline,0.902,0.659,False,,False,,500000.0,13459.53,12992.53,12700.88,3339.86,False,0,-1.26,27.87
LI-2024-INS004-004390,2002-04-09,5,52,57,1950,female,never_smoker,41.1,66,254,NY,USA,single,high_school,professional,46853.87,0.9499,limited_exam,123,81,236,35,6.74,107,5.0,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-309,2.0,term_life,250000,quarterly,2506.26,25.0,none,,,,False,none,captive_agent,False,False,False,0.006326,0.017525,SOA_2015_VBT,SOA_Scale_MP2023,2.248,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006326,0.012,False,,1.0,False,,,,0.07,0.0658,False,normal_rate,3.7,0.56,False,False,False,False,False,0.965,41.3,36.3,super_preferred_longevity,81.2,baseline,0.788,0.922,False,,False,,250000.0,21622.34,18831.98,20050.08,4761.89,False,0,6.08,-8.81
LI-2024-INS004-004391,2005-09-05,1,65,66,1940,male,never_smoker,30.6,60,156,IL,USA,married,some_college,white_collar,146262.58,0.1891,full_paramedical,129,88,279,63,4.43,119,5.7,False,73.0,4.29,False,True,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-180,2.25,whole_life,500000,monthly,5993.89,,none,3796.63,,,False,none,direct_to_consumer,False,False,False,0.016733,0.075915,SOA_2015_VBT,SOA_Scale_MP2023,2.42,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020916,0.008,False,,1.0,False,,,,0.06,0.1821,False,normal_rate,4.32,2.7,False,False,False,False,False,0.905,19.4,19.1,standard_longevity,44.0,baseline,1.358,0.345,True,45.2,False,,496203.37,45192.89,39835.73,45793.32,11819.95,False,0,0.68,-4.55
LI-2024-INS004-004392,2004-09-21,9,74,83,1930,male,current_smoker,28.5,75,227,AR,USA,single,bachelors,professional,90964.4,0.4297,full_paramedical,139,89,206,58,3.55,96,,True,79.8,4.97,False,False,False,False,False,none,,none,none,none,4,False,True,True,False,True,substandard_table_3,,3.0,False,False,False,False,63,UW-238,1.75,universal_life,2000000,monthly,22008.29,,15yr_declining,20342.26,,,True,excess_of_loss,independent_broker,True,False,False,0.150713,0.428271,SOA_2015_VBT,SOA_Scale_MP2023,1.776,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.113034,0.005,False,,1.0,False,,,,0.06,0.0366,False,normal_rate,1.62,2.24,False,False,False,False,False,0.776,9.6,1.0,sub_standard_longevity,20.4,baseline,1.178,0.294,False,,False,,1979657.74,9109.42,8972.05,8803.32,75268.35,False,0,2.44,-3.42
LI-2024-INS004-004393,2008-01-28,12,73,85,1935,male,former_smoker,23.4,76,192,GA,USA,single,bachelors,light_blue_collar,63407.83,0.4305,full_paramedical,143,86,240,41,5.85,74,5.1,False,72.2,5.3,True,True,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-341,1.25,whole_life,1000000,quarterly,8551.14,,none,8849.79,,,True,excess_of_loss,bank,False,False,False,0.119199,0.222729,SOA_2015_VBT,SOA_Scale_MP2023,1.375,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0298,0.005,False,,1.0,False,,,,0.015,0.0203,False,normal_rate,1.79,0.59,False,False,False,False,False,0.944,11.4,1.1,sub_standard_longevity,20.6,baseline,1.177,0.596,True,65.8,False,,991150.21,3571.29,3346.18,3762.5,29176.49,False,0,5.16,9.94
LI-2024-INS004-004394,2007-04-11,13,67,80,1940,female,never_smoker,28.5,63,160,WV,USA,divorced,some_college,light_blue_collar,20000.0,0.4574,limited_exam,137,78,237,50,4.74,96,,False,,,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-005,1.25,annuity_immediate,500000,monthly,4225.03,,none,,,,False,none,employer_group,False,False,False,0.045366,0.086396,SOA_2015_VBT,SOA_Scale_MP2023,1.43,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011341,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.15,1.53,False,False,False,False,False,0.943,25.5,14.2,standard_longevity,50.7,baseline,1.157,0.333,True,41.3,True,0.952,500000.0,21912.4,22885.16,23998.17,9987.97,False,0,3.0,8.29
LI-2024-INS004-004395,2001-11-05,3,46,49,1955,female,former_smoker,22.4,72,165,TN,USA,married,some_college,light_blue_collar,236263.33,0.2193,full_paramedical,112,63,182,69,2.64,104,4.9,False,99.3,,False,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,preferred,,,False,False,False,False,38,UW-170,0.77,universal_life,1000000,monthly,2919.05,,15yr_declining,1988.3,,,True,none,captive_agent,False,False,False,0.004568,0.005161,SOA_2015_VBT,SOA_Scale_MP2023,0.846,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2026-04-02,voluntary_surrender,3.0,0.08,0.0768,False,normal_rate,3.8,2.72,False,False,False,False,False,0.841,45.1,46.7,super_preferred_longevity,85.8,baseline,1.336,0.11,True,66.1,False,,998011.7,24971.07,23523.59,23352.4,5546.2,False,0,4.08,23.77
LI-2024-INS004-004396,2010-08-15,8,55,63,1955,male,never_smoker,33.6,64,195,MD,USA,married,graduate,professional,110209.39,0.8052,full_paramedical,141,84,206,33,6.24,115,5.5,False,,0.84,False,False,False,False,False,none,,none,none,schizophrenia,6,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-088,2.25,term_life,1000000,annual,11886.93,15.0,none,,,,True,quota_share,employer_group,False,False,False,0.013987,0.04581,SOA_2015_VBT,SOA_Scale_MP2023,2.26,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017484,0.012,False,,1.0,False,,,,0.05,0.0634,False,normal_rate,2.89,2.93,False,False,False,False,False,0.903,34.4,30.9,preferred_longevity,70.9,baseline,0.896,0.8,True,82.2,False,,1000000.0,94994.31,84992.51,95095.44,22585.17,False,0,0.87,-10.17
LI-2024-INS004-004397,2008-11-26,2,33,35,1975,female,current_smoker,31.8,66,197,NY,USA,single,bachelors,professional,29754.17,0.3546,full_paramedical,106,68,174,63,2.76,111,,True,76.5,,False,False,True,False,False,none,,none,none,none,0,False,True,True,False,True,substandard_table_2,,2.0,False,False,False,False,54,UW-184,1.5,whole_life,1000000,monthly,3894.88,,none,2480.47,,,True,none,bank,True,False,False,0.003034,0.007571,SOA_2015_VBT,SOA_Scale_MP2023,1.617,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001517,0.018,False,,1.0,False,,,,0.04,0.0567,False,normal_rate,3.82,1.86,False,False,False,False,True,0.776,65.1,59.1,super_preferred_longevity,100.0,baseline,1.234,0.256,True,56.4,False,,997519.53,31353.51,26744.43,31159.04,7400.27,False,0,2.63,9.17
LI-2024-INS004-004398,2005-12-03,4,48,52,1957,male,never_smoker,32.6,66,202,KS,USA,widowed,high_school,white_collar,20000.0,0.5548,full_paramedical,125,88,181,55,3.29,93,4.5,False,95.1,6.5,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,40,UW-392,2.25,whole_life,500000,monthly,4606.18,,none,3094.28,,,False,none,employer_group,False,False,False,0.005706,0.022278,SOA_2015_VBT,SOA_Scale_MP2023,2.449,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007132,0.012,False,,1.0,False,,,,0.04,0.0603,False,normal_rate,6.03,2.82,False,False,False,False,False,0.896,40.7,36.5,preferred_longevity,75.6,baseline,1.084,0.617,True,31.4,False,,496905.72,35384.83,31594.77,36849.44,8751.74,False,0,1.28,-9.07
LI-2024-INS004-004399,2001-10-17,25,22,47,1979,female,never_smoker,24.6,72,181,CO,USA,single,bachelors,heavy_blue_collar,30996.72,0.7493,full_paramedical,132,80,216,53,4.08,95,5.3,False,112.9,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,0.72,,False,False,False,False,29,UW-408,0.57,universal_life,250000,monthly,493.34,,10yr_declining,849.98,,,False,none,bank,False,False,False,0.003401,0.001952,SOA_2015_VBT,SOA_Scale_MP2023,0.612,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.044,False,normal_rate,3.98,2.66,False,False,False,False,False,0.801,70.0,45.0,super_preferred_longevity,91.2,baseline,0.938,0.731,False,,False,,249150.02,3733.9,4004.89,3946.72,937.35,False,0,2.0,32.7
LI-2024-INS004-004400,2017-06-06,2,63,65,1954,male,former_smoker,35.2,76,289,AL,USA,married,some_college,heavy_blue_collar,73033.82,0.4287,full_paramedical,135,78,204,46,4.43,111,5.1,False,75.2,3.05,False,True,True,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,0.81,6.0,False,False,False,False,38,UW-341,2.5,universal_life,1000000,semi_annual,14381.34,,10yr_declining,9032.08,,,True,facultative,independent_broker,False,False,False,0.021351,0.096213,SOA_2015_VBT,SOA_Scale_MP2023,2.551,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032026,0.012,False,,1.0,False,,,,0.08,0.0489,False,normal_rate,4.39,0.85,False,False,False,False,False,0.765,27.8,25.8,preferred_longevity,67.6,baseline,1.178,0.475,False,,False,,990967.92,112453.85,108789.53,115050.72,27324.55,False,0,-3.65,-14.95
LI-2024-INS004-004401,2006-05-06,5,39,44,1967,male,former_smoker,30.7,75,245,CO,USA,widowed,high_school,white_collar,73289.14,0.3744,full_paramedical,139,76,227,51,4.45,69,5.6,False,77.3,4.08,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,10,UW-024,1.0,group_life,5000000,quarterly,18956.53,,none,,,,True,none,independent_broker,False,False,False,0.004427,0.005873,SOA_2015_VBT,SOA_Scale_MP2023,1.088,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.15,0.2101,False,normal_rate,3.86,1.95,False,False,False,False,False,0.854,50.7,45.7,super_preferred_longevity,86.7,baseline,1.219,0.441,False,,False,,5000000.0,143920.67,135425.09,151652.24,36017.41,False,0,3.92,17.39
LI-2024-INS004-004402,2015-11-03,10,80,90,1935,female,never_smoker,32.4,62,177,KY,USA,married,less_than_hs,light_blue_collar,98193.34,0.4507,full_paramedical,173,100,246,47,5.23,120,6.2,False,80.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,26,UW-389,2.25,term_life,500000,annual,7729.86,25.0,none,,,,False,none,captive_agent,False,False,False,0.111655,0.443938,SOA_2015_VBT,SOA_Scale_MP2023,2.346,cardiovascular,True,2017-04-10,True,False,1347946.96,0.0007,5e-05,1.095,0.139568,0.005,False,,1.0,False,,,,0.05,0.067,False,normal_rate,3.85,2.63,False,False,False,False,False,0.767,8.5,1.0,sub_standard_longevity,20.8,baseline,1.162,0.503,True,41.8,False,,500000.0,3312.65,3166.98,3091.94,26436.12,False,0,2.24,-10.85
LI-2024-INS004-004403,2008-02-17,12,30,42,1978,male,current_smoker,22.1,69,149,HI,USA,divorced,less_than_hs,white_collar,304199.65,0.2936,simplified_issue,117,64,121,63,1.92,83,,True,90.7,4.31,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,18,UW-010,1.5,universal_life,1000000,monthly,4604.18,,10yr_declining,4381.82,,,True,facultative,captive_agent,False,False,False,0.005914,0.015877,SOA_2015_VBT,SOA_Scale_MP2023,1.707,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.018,False,,1.0,False,,,,0.04,0.0586,False,normal_rate,4.25,0.61,False,False,False,False,False,0.897,61.3,49.3,super_preferred_longevity,90.9,baseline,1.28,0.057,False,,False,,995618.18,38387.75,31325.29,36833.44,8747.94,False,0,4.38,-1.1
LI-2024-INS004-004404,2024-05-10,3,20,23,2004,female,former_smoker,18.4,67,117,OR,USA,married,bachelors,light_blue_collar,389565.63,0.5066,limited_exam,114,62,166,57,2.91,77,4.5,False,103.7,,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,preferred,,,False,False,False,False,37,UW-059,0.82,whole_life,500000,semi_annual,790.05,,none,575.5,,,True,quota_share,employer_group,False,False,False,0.001147,0.001012,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0621,False,normal_rate,3.8,1.13,False,False,False,False,False,0.878,70.0,53.0,super_preferred_longevity,99.6,baseline,1.12,0.359,True,21.0,False,,499424.5,6529.72,5392.81,6320.4,1501.09,False,0,3.27,28.01
LI-2024-INS004-004405,2012-03-28,6,34,40,1978,female,former_smoker,25.3,62,138,NM,USA,single,high_school,light_blue_collar,72620.22,0.5164,full_paramedical,105,60,186,47,3.96,109,,False,80.6,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,standard_plus,,,False,False,False,False,24,UW-086,0.94,indexed_ul,500000,monthly,1357.46,,10yr_declining,1016.32,,,False,none,worksite,False,False,False,0.002686,0.00286,SOA_2015_VBT,SOA_Scale_MP2023,0.957,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0347,False,normal_rate,7.19,2.46,False,False,False,False,False,0.755,62.2,61.2,super_preferred_longevity,100.0,baseline,1.113,0.46,True,67.1,False,,498983.68,10018.0,9738.83,10859.68,2579.17,False,0,4.6,22.22
LI-2024-INS004-004406,2008-11-11,14,25,39,1983,male,current_smoker,36.8,62,201,NJ,USA,divorced,some_college,professional,30955.28,0.5215,simplified_issue,135,71,216,45,4.8,99,10.2,True,,,False,False,False,False,False,none,,type_2,none,none,7,False,False,False,False,True,substandard_table_10,,10.0,False,False,False,False,45,UW-175,3.5,whole_life,100000,monthly,1143.75,,none,1234.92,,,False,none,captive_agent,False,True,False,0.004839,0.034794,SOA_2015_VBT,SOA_Scale_MP2023,4.23,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012097,0.02,False,,1.0,False,,,,0.015,0.0192,False,normal_rate,2.53,0.98,False,False,False,False,False,0.765,68.1,54.1,super_preferred_longevity,100.0,baseline,1.109,0.514,False,,False,,98765.08,8617.85,8510.57,9150.0,2173.12,False,0,-2.47,-20.0
LI-2024-INS004-004407,2007-05-12,10,34,44,1973,female,never_smoker,33.9,62,185,CA,USA,married,bachelors,heavy_blue_collar,56963.23,0.7844,full_paramedical,115,65,189,55,3.44,87,5.8,False,76.2,,False,False,False,False,False,none,,pre_diabetes,none,none,2,False,False,False,False,True,substandard_table_1,1.22,1.0,False,False,False,False,29,UW-271,1.25,term_life,100000,monthly,526.25,20.0,none,,,,False,none,captive_agent,False,False,False,0.002724,0.004248,SOA_2015_VBT,SOA_Scale_MP2023,1.436,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000681,0.018,False,,1.0,False,,,,0.05,0.0536,False,normal_rate,3.46,1.0,False,False,False,False,False,0.955,62.5,52.5,super_preferred_longevity,100.0,baseline,0.912,0.967,False,,False,,100000.0,3955.67,4117.27,4210.0,999.88,False,0,3.97,16.66
LI-2024-INS004-004408,2011-06-04,2,20,22,1991,male,former_smoker,32.5,76,266,MO,USA,married,some_college,white_collar,36290.84,0.4843,accelerated_UW,110,66,231,50,4.62,104,4.8,False,91.6,,True,False,True,False,False,none,,none,none,depression,2,False,True,True,False,True,substandard_table_1,,1.0,False,False,False,True,38,UW-242,1.25,term_life,250000,annual,623.24,10.0,none,,,,False,none,independent_broker,False,False,False,0.001388,0.002373,SOA_2015_VBT,SOA_Scale_MP2023,1.284,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000347,0.022,False,,1.0,False,,,,0.07,0.0919,False,normal_rate,2.17,2.84,False,False,False,False,False,0.981,70.0,55.0,super_preferred_longevity,100.0,baseline,1.137,0.593,False,,False,,250000.0,5329.44,4487.06,4985.92,1184.16,False,0,-0.57,6.69
LI-2024-INS004-004409,2012-04-21,9,28,37,1984,male,never_smoker,26.7,63,150,OR,USA,single,less_than_hs,professional,47107.94,0.4833,simplified_issue,139,78,209,55,3.8,90,4.5,False,110.1,,False,True,False,False,False,none,,none,none,none,4,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,44,UW-305,1.25,term_life,2000000,monthly,6999.31,20.0,none,,,,True,facultative,bank,False,False,False,0.002134,0.004141,SOA_2015_VBT,SOA_Scale_MP2023,1.486,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.02,False,,1.0,False,,,,0.05,0.0657,False,normal_rate,2.8,2.77,False,False,False,False,False,0.991,65.1,55.0,super_preferred_longevity,100.0,baseline,1.138,0.322,False,,False,,2000000.0,51197.95,57292.79,55994.48,13298.69,False,0,1.3,14.71
LI-2024-INS004-004410,2010-06-21,6,51,57,1959,male,unknown,23.2,70,161,DE,USA,married,graduate,professional,90153.82,0.643,full_paramedical,122,76,238,59,4.03,80,5.0,False,87.8,2.33,False,False,False,False,False,none,,none,none,anxiety,4,False,True,False,False,False,standard_plus,,,False,False,False,False,29,UW-193,0.95,whole_life,1000000,monthly,4936.25,,none,3732.1,,,True,none,bank,False,False,False,0.010137,0.009739,SOA_2015_VBT,SOA_Scale_MP2023,0.944,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.02,0.0237,False,normal_rate,3.5,0.8,False,False,False,False,False,0.836,38.4,32.4,preferred_longevity,70.7,baseline,1.018,0.614,False,,False,,996267.9,43220.84,33886.84,39490.0,9378.88,False,0,5.71,20.78
LI-2024-INS004-004411,2018-03-28,9,76,85,1942,female,never_smoker,22.3,63,125,UT,USA,married,bachelors,light_blue_collar,20553.53,0.782,non_med_guaranteed,116,70,237,54,4.39,100,,False,60.5,,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,32,UW-037,2.5,term_life,2000000,quarterly,40567.57,30.0,none,,,,True,none,bank,True,False,False,0.070875,0.277951,SOA_2015_VBT,SOA_Scale_MP2023,2.651,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.106313,0.008,False,,1.0,False,,,,0.05,0.0537,False,normal_rate,3.56,0.67,False,True,False,False,True,0.858,15.1,6.7,sub_standard_longevity,34.3,baseline,0.913,0.758,True,61.9,False,,2000000.0,111368.06,102501.76,108721.09,120242.28,False,0,4.71,-17.22
LI-2024-INS004-004412,2012-03-19,10,27,37,1985,female,never_smoker,26.9,63,151,AR,USA,married,bachelors,white_collar,26707.52,0.6185,limited_exam,143,88,184,61,3.02,91,,False,108.7,,True,True,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-447,1.25,whole_life,500000,semi_annual,1998.03,,none,1791.65,,,False,none,captive_agent,True,False,False,0.001707,0.00284,SOA_2015_VBT,SOA_Scale_MP2023,1.364,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000427,0.02,False,,1.0,False,,,,0.02,0.0241,False,normal_rate,1.62,1.95,False,False,False,False,False,0.96,70.0,55.0,super_preferred_longevity,100.0,baseline,1.036,0.574,False,,False,,498208.35,15984.3,14485.48,15984.24,3796.26,False,0,0.32,12.95
LI-2024-INS004-004413,2023-02-28,2,20,22,2003,male,former_smoker,28.7,63,162,LA,USA,married,less_than_hs,light_blue_collar,93207.31,0.8239,full_paramedical,117,69,257,50,5.14,102,,False,98.7,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-175,1.25,indexed_ul,250000,monthly,589.84,,10yr_declining,362.87,,,False,none,direct_to_consumer,False,False,False,0.001388,0.00191,SOA_2015_VBT,SOA_Scale_MP2023,1.277,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000347,0.012,False,,1.0,True,2025-10-24,voluntary_surrender,2.0,0.08,0.0525,False,normal_rate,3.58,2.12,False,False,False,False,False,0.81,70.0,55.0,super_preferred_longevity,100.0,baseline,0.882,0.746,False,,False,,249637.13,4991.83,4320.18,4718.72,1120.7,False,0,3.47,16.76
LI-2024-INS004-004414,2018-08-01,3,65,68,1953,female,never_smoker,36.8,63,207,SC,USA,married,graduate,white_collar,90956.43,0.2279,full_paramedical,134,85,271,24,11.29,132,5.3,False,87.8,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,10,UW-201,1.75,term_life,1000000,annual,11346.05,25.0,none,,,,True,none,employer_group,False,False,False,0.016845,0.056023,SOA_2015_VBT,SOA_Scale_MP2023,1.938,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012634,0.012,False,,1.0,False,,,,0.07,0.1785,False,normal_rate,4.86,1.38,False,False,False,False,False,0.969,25.8,22.8,standard_longevity,50.1,baseline,1.329,0.202,False,,False,,1000000.0,94894.85,90140.63,90768.4,21557.49,False,0,-0.05,-1.52
LI-2024-INS004-004415,2005-02-11,16,77,93,1928,female,never_smoker,24.7,63,139,NH,USA,married,some_college,white_collar,20798.59,0.7225,accelerated_UW,146,90,272,67,4.06,88,,False,,,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,21,UW-089,2.25,whole_life,250000,monthly,3843.01,,none,4637.36,,,False,none,worksite,False,False,False,0.106036,0.374647,SOA_2015_VBT,SOA_Scale_MP2023,2.383,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.132545,0.012,False,,1.0,False,,,,0.015,0.0168,False,normal_rate,2.44,2.52,False,False,False,False,False,0.884,15.1,1.0,sub_standard_longevity,34.8,baseline,0.958,0.763,False,,False,,245362.64,1647.32,1416.11,1537.2,13143.09,False,0,3.54,-9.97
LI-2024-INS004-004416,2001-10-12,19,68,87,1933,male,never_smoker,27.3,63,153,OR,USA,married,some_college,light_blue_collar,82745.62,0.9078,simplified_issue,130,76,246,37,6.65,76,5.2,False,58.0,3.35,False,True,False,False,False,none,,none,none,bipolar,12,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-380,2.0,whole_life,500000,monthly,6870.36,,none,9316.38,,,False,none,bank,True,False,False,0.107551,0.291505,SOA_2015_VBT,SOA_Scale_MP2023,2.088,respiratory,True,2016-05-17,False,False,161617.97,0.0007,5e-05,1.095,0.107551,0.005,False,,1.0,False,,,,0.015,0.0146,False,normal_rate,2.39,1.34,False,False,False,True,False,0.899,18.0,1.0,sub_standard_longevity,27.6,baseline,0.819,0.883,False,,False,,490683.62,2752.2,2613.17,2748.14,23496.63,False,0,2.36,-3.98
LI-2024-INS004-004417,2012-07-22,14,35,49,1977,male,never_smoker,29.2,70,203,ME,USA,married,high_school,hazardous,26572.15,0.5497,full_paramedical,126,79,218,48,4.54,76,,False,97.6,1.07,False,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,preferred,3.27,,True,False,False,False,21,UW-112,0.82,indexed_ul,1000000,monthly,3677.87,,15yr_declining,3922.64,,,True,none,captive_agent,False,False,False,0.004956,0.004431,SOA_2015_VBT,SOA_Scale_MP2023,0.822,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0227,False,normal_rate,5.12,0.85,False,False,False,False,False,0.976,57.2,43.2,super_preferred_longevity,85.5,baseline,1.088,0.475,False,,False,,996077.36,26792.04,26434.37,29422.96,6987.95,False,0,5.87,18.48
LI-2024-INS004-004418,2018-04-17,8,37,45,1981,male,never_smoker,31.0,71,222,ND,USA,widowed,high_school,light_blue_collar,20000.0,0.7009,full_paramedical,138,87,259,62,4.18,95,,False,97.9,1.6,False,True,False,False,True,colorectal,1.8,none,none,substance_use_disorder,0,False,False,False,False,True,standard,,,False,True,False,False,33,UW-230,1.0,term_life,100000,monthly,353.01,20.0,none,,,,True,none,independent_broker,False,False,False,0.003662,0.003665,SOA_2015_VBT,SOA_Scale_MP2023,1.027,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.057,False,normal_rate,3.87,1.96,False,False,False,True,False,0.911,56.6,48.6,super_preferred_longevity,95.9,baseline,0.974,0.667,False,,False,,100000.0,2998.21,2699.66,2824.08,670.72,False,0,5.07,22.83
LI-2024-INS004-004419,2016-03-14,6,67,73,1949,male,former_smoker,29.7,66,183,NC,USA,single,graduate,professional,20000.0,0.6615,full_paramedical,114,75,279,39,7.15,95,4.1,False,68.8,4.44,False,False,False,False,False,none,,none,none,anxiety,5,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,57,UW-058,1.5,whole_life,250000,annual,2104.76,,none,1601.84,,,False,none,bank,False,False,False,0.043054,0.089341,SOA_2015_VBT,SOA_Scale_MP2023,1.569,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021527,0.008,False,,1.0,False,,,,0.02,0.0234,False,normal_rate,4.55,2.34,False,True,False,False,False,0.823,20.6,14.6,standard_longevity,44.3,baseline,1.004,0.634,False,,False,,248398.16,11652.92,10841.98,12291.8,4908.3,False,0,3.6,10.61
LI-2024-INS004-004420,2008-07-12,2,42,44,1966,male,former_smoker,20.1,61,106,TN,USA,married,some_college,white_collar,151636.42,0.8941,full_paramedical,138,92,167,66,2.53,73,,False,68.1,1.1,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-449,1.25,whole_life,1000000,semi_annual,5234.13,,none,3203.67,,,True,none,bank,False,False,False,0.004427,0.006222,SOA_2015_VBT,SOA_Scale_MP2023,1.393,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001107,0.015,False,,1.0,False,,,,0.04,0.0394,False,normal_rate,1.91,2.5,False,False,False,False,False,0.87,49.7,47.7,super_preferred_longevity,97.5,baseline,0.829,0.947,False,,False,,996796.33,38824.96,35970.2,41873.04,9944.85,False,0,-0.58,14.9
LI-2024-INS004-004421,2019-05-18,3,76,79,1943,male,never_smoker,32.1,69,217,SD,USA,single,less_than_hs,heavy_blue_collar,38968.38,0.4197,full_paramedical,141,93,210,48,4.38,110,4.8,False,70.9,3.66,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,0.88,,False,True,False,False,30,UW-339,1.0,term_life,250000,quarterly,1591.52,25.0,none,,,,True,none,independent_broker,False,False,False,0.053262,0.064137,SOA_2015_VBT,SOA_Scale_MP2023,1.016,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0955,False,normal_rate,4.03,0.83,True,False,False,False,False,0.814,9.8,6.8,sub_standard_longevity,29.0,baseline,1.185,0.62,False,,False,,250000.0,4098.23,4272.55,4328.93,4704.53,False,0,5.73,13.4
LI-2024-INS004-004422,2022-07-11,2,62,64,1960,male,never_smoker,32.7,66,202,TX,USA,married,bachelors,light_blue_collar,34682.43,0.7716,full_paramedical,139,89,239,37,6.46,65,5.4,False,,4.57,False,False,True,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-071,1.5,universal_life,1000000,monthly,8020.19,,10yr_declining,5023.95,,,True,quota_share,captive_agent,False,False,False,0.015951,0.037147,SOA_2015_VBT,SOA_Scale_MP2023,1.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007975,0.015,True,0.00484,1.0,False,,,,0.08,0.039,False,normal_rate,4.62,1.22,False,False,False,False,False,0.888,31.3,35.6,super_preferred_longevity,87.5,baseline,0.921,0.794,True,92.0,False,,994976.05,64235.39,65629.5,64161.52,15238.36,False,0,3.08,10.25
LI-2024-INS004-004423,2000-07-22,8,57,65,1943,female,never_smoker,27.6,68,181,TX,USA,divorced,high_school,white_collar,20285.65,0.5875,full_paramedical,125,73,213,66,3.23,90,5.8,False,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,30,UW-289,0.57,term_life,250000,quarterly,730.94,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.012574,0.007939,SOA_2015_VBT,SOA_Scale_MP2023,0.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.05,0.0861,False,normal_rate,2.96,0.79,False,False,False,False,False,0.847,33.4,25.4,standard_longevity,59.4,baseline,1.059,0.614,False,,False,,250000.0,5837.77,5956.97,5847.52,1388.79,False,0,4.0,24.87
LI-2024-INS004-004424,2009-11-19,5,31,36,1978,male,former_smoker,26.7,61,141,AL,USA,single,some_college,white_collar,21667.0,0.7562,limited_exam,123,69,180,42,4.29,97,5.9,False,102.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,16,UW-382,0.75,whole_life,5000000,annual,10943.44,,none,7742.06,,,True,quota_share,captive_agent,False,False,False,0.002613,0.001908,SOA_2015_VBT,SOA_Scale_MP2023,0.783,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0438,False,normal_rate,5.67,2.92,False,False,False,False,False,0.876,62.2,55.0,super_preferred_longevity,100.0,baseline,0.933,0.873,False,,False,,4992257.94,91909.27,76549.48,87547.52,20792.54,False,0,3.96,21.9
LI-2024-INS004-004425,2021-03-08,2,44,46,1977,male,never_smoker,27.6,69,186,AL,USA,married,some_college,white_collar,68288.08,0.6225,limited_exam,135,87,181,69,2.62,95,,False,74.7,0.7,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-298,1.25,universal_life,1000000,quarterly,4732.59,,10yr_declining,3115.1,,,True,facultative,captive_agent,False,False,False,0.003943,0.011069,SOA_2015_VBT,SOA_Scale_MP2023,1.437,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000986,0.018,True,0.00423,1.0,False,,,,0.08,0.0433,False,normal_rate,3.2,0.6,False,False,False,True,False,0.784,48.5,46.5,super_preferred_longevity,91.6,baseline,1.033,0.624,False,,False,,996884.9,37730.07,35887.03,37860.72,8991.92,False,0,8.09,15.74
LI-2024-INS004-004426,2001-07-18,7,30,37,1971,female,never_smoker,33.3,70,232,MS,USA,married,bachelors,heavy_blue_collar,72985.96,0.7947,simplified_issue,136,84,179,40,4.47,75,5.7,False,88.6,,False,False,False,False,False,none,,pre_diabetes,none,bipolar,1,False,False,False,False,True,substandard_table_4,0.59,4.0,False,False,False,False,40,UW-434,2.0,whole_life,500000,annual,2781.81,,none,2144.03,,,False,none,direct_to_consumer,True,False,False,0.001707,0.005144,SOA_2015_VBT,SOA_Scale_MP2023,2.227,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001707,0.018,False,,1.0,False,,,,0.02,0.0298,False,normal_rate,3.89,0.73,True,False,False,False,False,0.807,66.3,55.0,super_preferred_longevity,100.0,baseline,0.904,0.714,False,,False,,497855.97,20544.23,19241.47,22254.48,5285.44,False,0,2.56,-2.28
LI-2024-INS004-004427,2022-01-11,1,79,80,1943,female,never_smoker,25.2,62,138,AK,USA,married,graduate,white_collar,52370.64,0.7344,accelerated_UW,141,92,255,63,4.05,93,4.9,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,58,UW-185,1.25,term_life,1000000,monthly,9572.67,25.0,none,,,,True,none,bank,False,False,False,0.046472,0.074756,SOA_2015_VBT,SOA_Scale_MP2023,1.364,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011618,0.008,True,0.00297,1.0,False,,,,0.1,0.1112,False,normal_rate,6.72,2.69,False,False,False,False,False,0.903,12.0,12.0,standard_longevity,41.5,baseline,0.949,0.56,True,61.3,False,,1000000.0,44066.22,47421.69,45948.82,24314.58,False,0,1.98,19.67
LI-2024-INS004-004428,2008-12-02,10,79,89,1929,male,unknown,23.7,69,160,WI,USA,single,bachelors,white_collar,248554.95,0.3275,full_paramedical,156,83,220,37,5.95,88,5.5,False,70.6,10.86,False,False,False,True,True,leukemia,0.0,none,none,anxiety,2,False,False,False,False,True,declined,,,False,False,True,False,20,UW-033,7.0,universal_life,1000000,annual,51734.3,,10yr_declining,48231.57,,,True,facultative,employer_group,True,False,False,0.111178,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,7.807,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.06,0.0466,False,normal_rate,4.71,0.65,False,False,False,False,False,0.979,5.0,1.0,sub_standard_longevity,18.9,baseline,1.254,0.356,False,,False,,951768.43,21421.77,18831.05,20693.72,176931.31,False,0,-5.0,-20.0
LI-2024-INS004-004429,2002-11-11,9,67,76,1935,male,never_smoker,27.9,72,205,KS,USA,single,bachelors,professional,106151.6,0.6625,full_paramedical,156,93,217,63,3.44,102,,False,78.3,14.37,False,False,True,False,False,none,,none,none,none,1,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,23,UW-046,1.5,whole_life,1000000,annual,8796.65,,none,7960.55,,,True,none,captive_agent,False,False,False,0.04211,0.09333,SOA_2015_VBT,SOA_Scale_MP2023,1.711,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021055,0.005,False,,1.0,False,,,,0.02,0.0234,False,normal_rate,3.84,2.06,False,False,False,False,False,0.866,21.3,12.3,standard_longevity,50.9,baseline,1.003,0.853,False,,False,,992039.45,39248.49,38453.8,43279.52,22132.37,False,0,4.0,4.8
LI-2024-INS004-004430,2008-10-10,7,29,36,1979,male,former_smoker,30.8,71,221,IN,USA,married,bachelors,white_collar,196563.13,0.4184,full_paramedical,132,74,196,58,3.38,97,5.1,False,109.1,,False,False,False,False,False,none,,none,none,bipolar,13,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-242,2.0,group_life,2000000,annual,10663.11,,none,,,,True,facultative,direct_to_consumer,False,False,False,0.002613,0.009509,SOA_2015_VBT,SOA_Scale_MP2023,2.225,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002613,0.018,False,,1.0,False,,,,0.12,0.2294,False,normal_rate,4.2,1.49,False,False,False,False,False,0.99,63.0,55.3,super_preferred_longevity,100.0,baseline,1.186,0.633,True,35.0,False,,2000000.0,79458.38,81920.07,85304.88,20259.91,False,0,3.91,-11.65
LI-2024-INS004-004431,2015-12-15,4,59,63,1956,female,unknown,30.3,62,165,OK,USA,single,graduate,hazardous,97404.59,0.8435,full_paramedical,112,79,222,38,5.84,112,5.2,False,,,True,False,True,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,4.56,5.0,True,False,False,False,7,UW-237,2.25,universal_life,250000,annual,3051.98,,10yr_declining,2206.27,,,False,none,independent_broker,False,False,False,0.013024,0.04354,SOA_2015_VBT,SOA_Scale_MP2023,2.413,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01628,0.012,False,,1.0,False,,,,0.08,0.0369,False,normal_rate,4.63,0.75,False,False,False,False,False,0.971,37.7,33.7,super_preferred_longevity,85.7,baseline,0.867,0.692,False,,False,,247793.73,24867.3,22993.23,24415.84,5798.76,False,0,2.31,-15.52
LI-2024-INS004-004432,2017-07-04,3,26,29,1991,female,never_smoker,36.4,61,192,TX,USA,divorced,bachelors,hazardous,88578.1,0.5129,full_paramedical,123,73,234,54,4.33,109,4.7,False,96.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,3.71,1.0,True,False,False,False,18,UW-013,1.25,group_life,250000,quarterly,751.55,,none,,,,False,none,independent_broker,False,False,False,0.001115,0.00206,SOA_2015_VBT,SOA_Scale_MP2023,1.432,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000279,0.022,False,,1.0,False,,,,0.15,0.1935,False,normal_rate,2.98,2.2,False,False,False,False,False,0.854,70.0,55.0,super_preferred_longevity,100.0,baseline,1.115,0.321,False,,False,,250000.0,5427.2,5632.93,6012.4,1427.94,False,0,5.22,10.69
LI-2024-INS004-004433,2024-05-05,2,54,56,1970,female,never_smoker,24.6,64,143,SC,USA,married,some_college,white_collar,104750.99,0.1421,limited_exam,140,83,167,47,3.55,100,,False,95.0,,False,False,True,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,52,UW-108,2.5,term_life,500000,monthly,6708.16,20.0,none,,,,False,none,employer_group,False,False,False,0.006975,0.0368,SOA_2015_VBT,SOA_Scale_MP2023,2.71,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010462,0.018,False,,1.0,True,2026-03-12,replacement,2.0,0.07,0.1866,False,normal_rate,2.16,2.16,False,False,False,False,False,0.897,42.5,40.0,super_preferred_longevity,84.6,baseline,1.393,0.161,False,,True,-0.324,500000.0,53615.57,48673.65,53665.28,12745.5,False,0,-0.96,-11.4
LI-2024-INS004-004434,2017-07-08,10,23,33,1994,male,former_smoker,26.6,65,159,NC,USA,married,some_college,white_collar,163738.62,0.8278,limited_exam,110,63,220,45,4.89,107,,False,99.3,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-045,2.0,group_life,2000000,quarterly,12087.58,,none,,,,True,facultative,employer_group,False,False,False,0.002207,0.006305,SOA_2015_VBT,SOA_Scale_MP2023,2.112,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002207,0.022,False,,1.0,False,,,,0.12,0.1494,False,normal_rate,3.72,1.82,False,False,False,False,False,0.796,70.0,55.0,super_preferred_longevity,100.0,baseline,0.879,0.81,False,,False,,2000000.0,87812.08,97245.9,96700.64,22966.4,False,0,5.09,-6.92
LI-2024-INS004-004435,2014-02-28,2,24,26,1990,female,never_smoker,32.4,70,226,MO,USA,divorced,high_school,professional,29968.03,0.2024,accelerated_UW,124,78,152,43,3.53,105,5.2,False,105.6,,False,False,False,False,False,none,,none,none,bipolar,11,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,21,UW-302,2.0,group_life,500000,monthly,2288.11,,none,,,,True,none,independent_broker,False,False,False,0.000983,0.003889,SOA_2015_VBT,SOA_Scale_MP2023,2.193,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000983,0.022,False,,1.0,False,,,,0.15,0.323,False,normal_rate,5.0,2.37,True,False,False,False,False,0.752,70.0,55.0,super_preferred_longevity,98.0,baseline,1.348,0.301,False,,False,,500000.0,19904.58,18120.15,18304.88,4347.41,False,0,1.05,-4.99
LI-2024-INS004-004436,2006-11-08,12,31,43,1975,female,never_smoker,19.4,58,93,SD,USA,married,high_school,heavy_blue_collar,141975.43,0.5901,accelerated_UW,112,77,189,44,4.3,71,5.0,False,,,True,True,False,False,False,none,,none,none,depression,3,False,False,True,False,True,substandard_table_1,0.93,1.0,False,False,False,True,44,UW-229,1.25,whole_life,2000000,monthly,8390.79,,none,8657.97,,,True,none,independent_broker,False,False,False,0.002537,0.00406,SOA_2015_VBT,SOA_Scale_MP2023,1.277,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000634,0.018,False,,1.0,False,,,,0.015,0.0184,False,normal_rate,3.44,2.43,False,False,False,False,False,0.77,65.1,53.1,super_preferred_longevity,100.0,baseline,1.057,0.612,False,,False,,1991342.03,65634.31,67951.72,67126.32,15942.5,False,0,1.95,12.45
LI-2024-INS004-004437,2020-08-06,1,24,25,1996,female,former_smoker,30.0,67,191,DE,USA,single,graduate,white_collar,26555.75,0.3751,full_paramedical,133,83,201,56,3.59,95,5.7,False,,,True,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-255,0.82,term_life,1000000,monthly,1886.99,30.0,none,,,,True,quota_share,bank,False,False,False,0.00123,0.004699,SOA_2015_VBT,SOA_Scale_MP2023,0.816,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00348,1.0,False,,,,0.1,0.14,False,normal_rate,4.67,1.19,False,False,False,False,False,0.982,70.0,55.0,super_preferred_longevity,100.0,baseline,1.219,0.332,False,,True,0.213,1000000.0,14254.32,15461.31,15095.92,3585.28,False,0,3.92,18.84
LI-2024-INS004-004438,2003-06-20,5,76,81,1927,female,never_smoker,36.0,66,223,KY,USA,married,bachelors,white_collar,50665.28,0.602,limited_exam,164,108,212,42,5.05,123,5.0,False,,,False,False,False,True,False,none,,none,none,depression,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,42,UW-336,2.5,indexed_ul,250000,monthly,3815.99,,15yr_declining,3002.33,,,True,none,captive_agent,False,False,False,0.038221,0.166373,SOA_2015_VBT,SOA_Scale_MP2023,2.721,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.057331,0.012,False,,1.0,False,,,,0.08,0.0439,False,normal_rate,4.64,2.09,False,False,False,False,False,0.846,12.4,7.4,sub_standard_longevity,32.6,baseline,1.048,0.654,False,,False,,246997.67,10189.87,10872.11,11295.33,11096.9,False,0,-0.15,-17.43
LI-2024-INS004-004439,2005-10-03,9,31,40,1974,female,current_smoker,28.7,69,194,RI,USA,married,bachelors,heavy_blue_collar,51898.72,0.5227,non_med_guaranteed,132,81,196,39,5.03,107,4.8,True,85.1,,False,True,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_3,0.56,3.0,False,False,False,False,11,UW-145,1.75,term_life,500000,quarterly,3295.34,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.004132,0.011221,SOA_2015_VBT,SOA_Scale_MP2023,1.774,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003099,0.018,False,,1.0,False,,,,0.05,0.0897,False,normal_rate,2.8,1.7,False,False,False,False,False,0.86,64.6,55.0,super_preferred_longevity,100.0,baseline,1.108,0.496,False,,True,2.824,500000.0,27985.97,27538.32,26362.72,6261.15,False,0,5.95,0.8
LI-2024-INS004-004440,2011-07-13,12,41,53,1970,male,never_smoker,22.0,70,153,TX,USA,divorced,high_school,white_collar,81987.02,0.8275,full_paramedical,130,79,153,60,2.55,105,5.5,False,91.0,2.24,False,False,False,False,False,none,,none,none,depression,16,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-448,1.25,whole_life,1000000,semi_annual,5727.78,,none,5954.77,,,True,quota_share,captive_agent,False,False,False,0.006813,0.010205,SOA_2015_VBT,SOA_Scale_MP2023,1.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001703,0.018,False,,1.0,False,,,,0.015,0.0156,False,normal_rate,2.86,1.97,False,False,False,False,False,0.988,51.2,39.2,super_preferred_longevity,83.7,baseline,0.879,0.773,False,,False,,994045.23,44287.23,41702.99,45822.24,10882.78,False,0,4.99,19.16
LI-2024-INS004-004441,2005-02-19,9,43,52,1962,female,current_smoker,22.3,62,121,MS,USA,widowed,less_than_hs,white_collar,65646.53,0.5046,limited_exam,145,92,204,72,2.83,66,,True,100.3,,False,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,2,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,13,UW-427,2.75,indexed_ul,500000,monthly,6180.28,,10yr_declining,5244.43,,,True,quota_share,worksite,False,False,False,0.009609,0.0485,SOA_2015_VBT,SOA_Scale_MP2023,2.94,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016816,0.015,False,,1.0,False,,,,0.06,0.035,False,normal_rate,2.44,2.67,False,False,False,False,False,0.799,50.5,41.5,super_preferred_longevity,82.3,baseline,1.122,0.618,False,,False,,494755.57,50759.73,42586.5,49442.24,11742.53,False,0,1.01,-20.0
LI-2024-INS004-004442,2004-07-05,17,67,84,1937,male,unknown,30.0,65,180,ND,USA,married,bachelors,professional,56547.47,0.1546,limited_exam,146,82,238,38,6.26,91,,False,,12.31,False,False,True,False,True,prostate,6.8,none,none,depression,2,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,26,UW-480,1.5,term_life,500000,monthly,5662.46,20.0,none,,,,False,none,independent_broker,True,False,False,0.09779,0.285209,SOA_2015_VBT,SOA_Scale_MP2023,1.746,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048895,0.005,False,,1.0,False,,,,0.03,0.0473,False,normal_rate,2.31,1.61,True,False,False,False,False,0.879,19.6,2.6,sub_standard_longevity,28.7,baseline,1.384,0.279,False,,False,,500000.0,6308.13,5768.71,5888.96,18640.82,False,0,6.27,-0.52
LI-2024-INS004-004443,2005-08-19,9,76,85,1929,female,never_smoker,36.1,61,190,IN,USA,divorced,high_school,light_blue_collar,80934.26,0.5641,full_paramedical,144,90,198,31,6.39,123,7.8,False,,,False,False,False,False,False,none,,type_2,none,none,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,31,UW-136,2.25,term_life,1000000,quarterly,14603.67,10.0,none,,,,True,none,bank,False,False,False,0.055205,0.212819,SOA_2015_VBT,SOA_Scale_MP2023,2.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.069006,0.012,False,,1.0,False,,,,0.05,0.0624,False,normal_rate,4.35,1.05,False,False,False,False,False,0.83,12.6,3.6,sub_standard_longevity,26.4,baseline,1.077,0.626,False,,False,,1000000.0,22380.41,21128.85,21029.28,46906.99,False,0,-3.09,-15.18
LI-2024-INS004-004444,2016-03-18,3,48,51,1968,female,never_smoker,31.6,66,195,OH,USA,single,high_school,professional,31859.69,0.2089,limited_exam,141,83,182,52,3.5,109,4.5,False,,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-073,2.0,whole_life,5000000,annual,43939.14,,none,28548.66,,,True,quota_share,direct_to_consumer,False,False,False,0.004641,0.018456,SOA_2015_VBT,SOA_Scale_MP2023,2.216,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004641,0.015,False,,1.0,False,,,,0.04,0.1202,False,normal_rate,4.37,2.53,False,False,False,False,False,0.853,45.2,45.9,super_preferred_longevity,84.5,baseline,1.343,0.294,True,59.9,False,,4971451.34,355097.36,353532.26,351513.12,83484.37,False,0,3.37,-11.64
LI-2024-INS004-004445,2008-04-03,12,39,51,1969,female,unknown,30.6,72,225,MD,USA,married,graduate,professional,205043.69,0.7839,limited_exam,108,57,215,42,5.12,76,,False,91.5,,False,False,False,False,False,none,,none,none,anxiety,14,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-061,1.25,whole_life,250000,monthly,1156.57,,none,1090.9,,,False,none,bank,False,False,False,0.005337,0.00774,SOA_2015_VBT,SOA_Scale_MP2023,1.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.015,False,,1.0,False,,,,0.015,0.0161,False,normal_rate,4.26,1.77,False,False,False,False,False,0.897,56.7,44.7,super_preferred_longevity,91.3,baseline,0.912,0.607,False,,False,,248909.1,8500.52,8428.42,9252.56,2197.48,False,0,6.11,17.79
LI-2024-INS004-004446,2000-09-27,17,52,69,1948,female,former_smoker,28.7,59,142,WV,USA,divorced,some_college,professional,76885.27,0.4125,limited_exam,129,61,224,36,6.22,106,,False,88.2,,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,39,UW-417,1.5,term_life,1000000,monthly,7533.52,30.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.024093,0.055304,SOA_2015_VBT,SOA_Scale_MP2023,1.508,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012046,0.008,False,,1.0,False,,,,0.03,0.0411,False,normal_rate,4.17,2.28,False,False,False,False,False,0.827,38.5,21.5,standard_longevity,50.9,baseline,1.191,0.446,False,,False,,1000000.0,58947.81,56266.91,60268.16,14313.69,False,0,6.97,4.02
LI-2024-INS004-004447,2008-08-25,16,71,87,1937,female,never_smoker,24.9,59,123,NC,USA,married,bachelors,white_collar,85545.08,0.7124,limited_exam,135,76,153,56,2.73,98,5.0,False,54.5,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-302,2.25,indexed_ul,100000,quarterly,1822.03,,10yr_declining,2139.93,,,False,none,independent_broker,False,False,False,0.087783,0.316744,SOA_2015_VBT,SOA_Scale_MP2023,2.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.109729,0.005,False,,1.0,False,,,,0.04,0.0452,False,normal_rate,5.36,1.36,False,False,False,False,False,0.863,18.8,2.8,sub_standard_longevity,27.4,baseline,0.966,0.935,False,,False,,97860.07,2173.75,1910.2,2040.67,5968.97,False,0,1.48,-11.14
LI-2024-INS004-004448,2018-11-06,9,19,28,1999,male,never_smoker,40.7,73,308,VA,USA,married,some_college,light_blue_collar,24978.45,0.4287,limited_exam,119,81,216,40,5.4,127,5.8,False,98.9,,False,True,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-020,2.0,whole_life,1000000,annual,4141.45,,none,3685.24,,,True,quota_share,bank,False,False,False,0.001334,0.004594,SOA_2015_VBT,SOA_Scale_MP2023,2.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.022,False,,1.0,False,,,,0.02,0.0271,False,normal_rate,4.07,0.83,False,False,False,False,False,0.85,70.0,55.0,super_preferred_longevity,100.0,baseline,1.178,0.39,False,,False,,996314.76,31126.03,31437.17,33131.6,7868.75,False,0,0.64,-10.06
LI-2024-INS004-004449,2007-02-13,1,40,41,1967,female,never_smoker,17.7,62,96,IL,USA,married,some_college,hazardous,20000.0,0.6005,full_paramedical,117,72,170,64,2.66,86,4.8,False,96.9,,False,False,True,False,False,none,,none,none,bipolar,3,False,False,False,True,True,substandard_table_4,4.35,4.0,True,False,False,False,43,UW-206,2.0,term_life,250000,quarterly,1566.32,25.0,none,,,,False,none,captive_agent,False,False,False,0.002209,0.007118,SOA_2015_VBT,SOA_Scale_MP2023,2.117,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002209,0.015,False,,1.0,False,,,,0.1,0.122,False,normal_rate,4.42,2.15,False,False,False,False,False,0.813,57.7,55.0,super_preferred_longevity,100.0,baseline,1.05,0.718,False,,False,,250000.0,11642.32,10735.8,12530.56,2976.01,False,0,1.09,-6.71
LI-2024-INS004-004450,2001-03-16,2,18,20,1983,female,never_smoker,29.6,58,141,UT,USA,married,some_college,white_collar,283958.53,0.4609,simplified_issue,114,74,158,66,2.39,105,,False,96.7,,False,True,True,False,False,none,,none,none,none,11,False,False,False,False,False,standard,,,False,False,False,False,29,UW-021,1.1,whole_life,250000,annual,439.57,,none,300.77,,,False,none,independent_broker,False,False,False,0.000805,0.001075,SOA_2015_VBT,SOA_Scale_MP2023,1.07,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,8.1e-05,0.02,False,,1.0,False,,,,0.04,0.0533,False,normal_rate,3.79,1.46,False,False,False,False,False,0.923,70.0,55.0,super_preferred_longevity,100.0,baseline,1.154,0.334,False,,False,,249699.23,3709.88,3010.31,3516.56,835.18,False,0,5.09,22.43
LI-2024-INS004-004451,2004-07-23,3,72,75,1932,male,never_smoker,20.3,64,118,OR,USA,single,some_college,white_collar,62659.78,0.8117,full_paramedical,143,81,249,46,5.41,60,5.7,False,66.7,4.76,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-283,1.25,term_life,1000000,quarterly,7640.45,30.0,none,,,,True,quota_share,independent_broker,False,False,False,0.038014,0.052326,SOA_2015_VBT,SOA_Scale_MP2023,1.264,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009503,0.005,False,,1.0,False,,,,0.07,0.0735,False,normal_rate,5.49,1.49,False,False,False,False,False,0.895,13.4,10.4,standard_longevity,40.3,baseline,0.891,0.86,False,,False,,1000000.0,28736.92,29357.85,31784.27,20384.72,False,0,2.19,13.82
LI-2024-INS004-004452,2019-02-01,6,79,85,1940,female,never_smoker,29.9,72,220,MD,USA,married,some_college,light_blue_collar,23960.15,0.2735,full_paramedical,137,82,229,38,6.03,111,5.1,False,66.7,,False,False,False,True,False,none,,none,none,none,8,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,47,UW-126,2.5,whole_life,2000000,monthly,33406.3,,none,26827.46,,,True,quota_share,worksite,False,True,False,0.069746,0.346745,SOA_2015_VBT,SOA_Scale_MP2023,2.681,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.104619,0.008,False,,1.0,False,,,,0.02,0.0296,False,normal_rate,3.29,2.41,False,False,False,False,False,0.88,9.7,3.7,sub_standard_longevity,22.2,baseline,1.295,0.252,False,,False,,1973172.54,53486.44,42700.15,49441.32,107033.79,False,0,-0.81,-15.18
LI-2024-INS004-004453,2016-12-14,2,62,64,1954,male,never_smoker,37.3,65,224,AK,USA,single,bachelors,light_blue_collar,20000.0,0.8404,non_med_guaranteed,128,75,210,41,5.12,116,5.7,False,101.3,3.16,False,False,False,False,False,none,,none,none,anxiety,9,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,47,UW-401,1.5,whole_life,5000000,quarterly,39786.3,,none,24718.26,2719.01,0.11,True,quota_share,direct_to_consumer,False,False,False,0.015063,0.0292,SOA_2015_VBT,SOA_Scale_MP2023,1.654,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007532,0.012,False,,1.0,False,,,,0.04,0.0345,False,normal_rate,3.21,2.81,False,False,False,False,False,0.866,27.4,25.4,preferred_longevity,63.2,baseline,0.87,0.865,False,,False,,4975281.74,293008.97,294059.62,318290.4,75593.97,False,0,2.42,17.09
LI-2024-INS004-004454,2020-03-08,6,29,35,1991,female,former_smoker,15.4,68,101,AZ,USA,single,some_college,professional,42534.15,0.6798,simplified_issue,99,53,200,76,2.63,84,,False,105.8,,False,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,declined,,,False,False,True,False,19,UW-195,7.0,indexed_ul,100000,annual,1946.69,,10yr_declining,1407.65,,,True,quota_share,employer_group,False,False,False,0.001972,0.027878,SOA_2015_VBT,SOA_Scale_MP2023,6.386,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011832,0.022,True,0.00358,1.0,False,,,,0.06,0.0375,False,normal_rate,3.17,2.33,False,False,False,False,False,0.819,70.0,55.0,super_preferred_longevity,100.0,baseline,0.99,0.649,False,,False,,98592.35,14390.93,13850.52,15573.52,3698.71,False,0,-5.0,-20.0
LI-2024-INS004-004455,2023-10-11,4,28,32,1995,male,never_smoker,33.3,75,266,WV,USA,married,high_school,professional,54686.3,0.7335,full_paramedical,121,71,222,56,3.96,119,5.1,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,,,False,False,False,False,24,UW-161,0.96,annuity_deferred,1000000,monthly,2459.76,,none,1745.62,,,True,facultative,captive_agent,True,False,False,0.001611,0.001417,SOA_2015_VBT,SOA_Scale_MP2023,0.926,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.04,0.0445,False,normal_rate,2.51,1.65,False,False,False,False,False,0.883,67.9,55.0,super_preferred_longevity,100.0,baseline,0.95,0.562,False,,False,,998254.38,18475.34,18296.76,19678.08,4673.54,False,0,1.49,24.29
LI-2024-INS004-004456,2011-11-11,3,34,37,1977,male,never_smoker,27.6,76,226,WV,USA,married,high_school,white_collar,20000.0,0.4459,accelerated_UW,122,72,168,46,3.65,91,6.0,False,90.1,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,True,15,UW-276,0.83,universal_life,500000,monthly,1279.4,,15yr_declining,833.49,,,False,none,employer_group,False,False,False,0.002134,0.002017,SOA_2015_VBT,SOA_Scale_MP2023,0.811,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.058,False,normal_rate,3.78,1.38,False,False,False,False,False,0.807,57.8,59.5,super_preferred_longevity,100.0,baseline,1.166,0.518,True,59.6,False,,499166.51,9531.21,9843.65,10235.2,2430.86,False,0,4.16,24.25
LI-2024-INS004-004457,2006-12-15,13,35,48,1971,male,never_smoker,23.5,63,132,AR,USA,married,high_school,white_collar,27110.38,0.6671,simplified_issue,125,82,163,57,2.86,86,5.0,False,87.0,2.57,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,preferred_plus,,,False,False,False,False,16,UW-062,0.63,indexed_ul,500000,annual,1119.53,,15yr_declining,1146.54,,,False,none,worksite,False,False,False,0.004587,0.002729,SOA_2015_VBT,SOA_Scale_MP2023,0.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.021,False,normal_rate,4.88,1.62,False,False,False,False,False,0.877,56.8,44.6,super_preferred_longevity,89.4,baseline,1.0,0.413,False,,True,0.512,498853.46,9389.13,8952.4,8956.24,2127.11,False,0,4.87,26.13
LI-2024-INS004-004458,2014-06-18,5,34,39,1980,male,former_smoker,23.8,65,142,CA,USA,married,bachelors,white_collar,28449.47,0.1994,accelerated_UW,104,63,175,44,3.98,101,5.5,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,True,15,UW-012,0.76,term_life,500000,annual,1293.1,20.0,none,,,,False,none,independent_broker,False,False,False,0.003145,0.003411,SOA_2015_VBT,SOA_Scale_MP2023,0.803,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.151,False,normal_rate,3.56,0.71,False,False,False,False,False,0.953,57.4,58.2,super_preferred_longevity,100.0,baseline,1.35,0.281,True,66.7,False,,500000.0,9385.01,9203.22,10344.8,2456.89,False,0,1.81,17.14
LI-2024-INS004-004459,2018-08-09,7,40,47,1978,female,never_smoker,32.4,58,155,ND,USA,married,graduate,white_collar,20000.0,0.4137,full_paramedical,138,84,243,40,6.08,121,5.2,False,70.4,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-398,1.5,term_life,1000000,monthly,5308.56,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.003401,0.008028,SOA_2015_VBT,SOA_Scale_MP2023,1.564,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0017,0.018,False,,1.0,True,2026-05-07,non_payment,7.0,0.05,0.0685,False,normal_rate,3.82,2.47,False,False,False,False,False,0.806,55.8,48.8,super_preferred_longevity,91.9,baseline,1.19,0.414,False,,False,,1000000.0,45145.65,36812.11,42468.48,10086.26,False,0,1.35,3.96
LI-2024-INS004-004460,2003-09-13,3,26,29,1977,male,never_smoker,21.6,65,129,PA,USA,single,bachelors,light_blue_collar,177664.0,0.4608,full_paramedical,120,64,223,31,7.19,101,5.3,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,12,UW-363,1.5,indexed_ul,250000,monthly,947.4,,10yr_declining,614.61,,,False,none,independent_broker,False,False,False,0.001394,0.003135,SOA_2015_VBT,SOA_Scale_MP2023,1.515,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000697,0.018,False,,1.0,False,,,,0.08,0.0479,False,normal_rate,4.29,2.57,False,False,False,False,False,0.882,65.8,55.0,super_preferred_longevity,100.0,baseline,1.154,0.544,False,,False,,249385.39,7072.02,6908.26,7579.2,1800.06,False,0,3.96,1.98
LI-2024-INS004-004461,2007-10-07,7,73,80,1934,male,current_smoker,29.7,70,206,AL,USA,married,some_college,heavy_blue_collar,104993.53,0.7223,accelerated_UW,150,92,240,20,12.0,112,5.5,True,,13.58,False,True,False,False,False,none,,none,moderate_gold_2,none,8,False,False,False,False,False,substandard_table_6,0.66,6.0,False,False,False,True,10,UW-256,2.5,term_life,250000,quarterly,4443.16,30.0,none,,,,False,none,independent_broker,False,False,False,0.118684,0.465312,SOA_2015_VBT,SOA_Scale_MP2023,2.526,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.178026,0.005,False,,1.0,False,,,,0.05,0.0561,False,normal_rate,3.02,0.66,False,False,False,False,False,0.859,12.4,5.4,sub_standard_longevity,31.4,baseline,0.958,0.727,False,,False,,250000.0,8880.91,9136.95,9597.23,13631.61,False,0,0.2,-20.0
LI-2024-INS004-004462,2003-10-28,12,51,63,1952,male,current_smoker,37.4,64,217,MO,USA,married,bachelors,professional,107814.41,0.2993,full_paramedical,136,83,241,48,5.02,107,4.9,True,100.5,3.6,False,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-442,2.0,whole_life,100000,annual,1072.73,,none,1063.85,,,False,none,captive_agent,False,False,False,0.026979,0.098247,SOA_2015_VBT,SOA_Scale_MP2023,2.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026979,0.012,False,,1.0,False,,,,0.015,0.0219,False,normal_rate,3.83,1.44,False,False,False,False,False,0.795,39.0,25.8,preferred_longevity,65.7,baseline,1.276,0.199,True,18.4,False,,98936.15,9355.17,8079.94,8581.84,2038.19,False,0,-0.2,-8.34
LI-2024-INS004-004463,2021-08-09,4,38,42,1983,female,never_smoker,31.1,68,204,CO,USA,single,high_school,white_collar,84101.02,0.5918,full_paramedical,131,81,207,65,3.18,86,4.1,False,,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,17,UW-148,2.0,term_life,5000000,semi_annual,33135.1,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.002366,0.010801,SOA_2015_VBT,SOA_Scale_MP2023,2.184,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002366,0.02,True,0.00298,1.0,False,,,,0.07,0.0859,False,normal_rate,3.44,0.98,False,False,False,False,False,0.779,59.4,56.5,super_preferred_longevity,100.0,baseline,1.056,0.677,True,42.2,False,,5000000.0,264314.64,228785.61,265080.8,62956.69,False,0,4.07,-1.53
LI-2024-INS004-004464,2012-05-02,4,28,32,1984,male,former_smoker,26.4,62,144,NM,USA,married,bachelors,professional,50191.91,0.3688,full_paramedical,113,68,196,65,3.02,114,,False,80.5,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,7,UW-409,1.0,universal_life,500000,annual,1452.37,,10yr_declining,1094.83,,,True,none,bank,False,False,False,0.002095,0.002739,SOA_2015_VBT,SOA_Scale_MP2023,1.069,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0506,False,normal_rate,4.61,2.71,False,False,False,False,False,0.895,64.7,55.0,super_preferred_longevity,100.0,baseline,1.223,0.424,False,,False,,498905.17,11678.46,10421.95,11618.96,2759.5,False,0,3.78,11.89
LI-2024-INS004-004465,2018-05-27,6,42,48,1976,male,never_smoker,33.1,73,250,ID,USA,divorced,bachelors,heavy_blue_collar,39718.22,0.7686,full_paramedical,143,90,204,32,6.38,110,7.9,False,,0.96,False,False,False,False,False,none,,type_2,none,none,3,False,False,False,False,True,substandard_table_5,1.14,5.0,False,False,False,False,40,UW-108,2.25,term_life,250000,annual,2226.43,20.0,none,,,,True,quota_share,bank,False,False,False,0.004587,0.016127,SOA_2015_VBT,SOA_Scale_MP2023,2.453,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005734,0.018,False,,1.0,False,,,,0.05,0.0543,False,normal_rate,1.45,2.95,False,False,False,False,False,0.847,50.9,44.9,super_preferred_longevity,91.4,baseline,0.924,0.816,False,,False,,250000.0,17096.7,17136.85,17811.44,4230.22,False,0,1.05,-18.75
LI-2024-INS004-004466,2024-09-21,2,43,45,1981,female,never_smoker,25.9,60,132,ND,USA,single,high_school,white_collar,42848.92,0.8917,limited_exam,99,71,169,55,3.07,104,5.5,False,98.8,,False,True,True,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-018,2.25,whole_life,2000000,monthly,15734.32,,none,10103.13,,,True,quota_share,direct_to_consumer,False,False,False,0.00293,0.009512,SOA_2015_VBT,SOA_Scale_MP2023,2.402,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.02,False,,1.0,False,,,,0.04,0.0553,False,normal_rate,2.95,2.93,False,False,False,False,False,0.916,58.3,55.0,super_preferred_longevity,100.0,baseline,0.831,0.801,False,,False,,1989896.87,129220.78,120439.3,125874.56,29895.21,False,0,2.55,-8.78
LI-2024-INS004-004467,2000-04-13,16,39,55,1961,male,former_smoker,15.0,75,120,MD,USA,single,some_college,white_collar,145577.65,0.8213,accelerated_UW,115,64,204,64,3.19,83,,False,97.2,2.04,True,False,False,False,False,none,,none,none,depression,3,False,False,False,True,True,declined,,,False,False,True,True,19,UW-144,7.0,indexed_ul,1000000,annual,33759.0,,10yr_declining,40841.49,,,True,none,direct_to_consumer,False,False,False,0.009821,0.121766,SOA_2015_VBT,SOA_Scale_MP2023,7.238,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058926,0.015,False,,1.0,False,,,,0.04,0.0584,False,normal_rate,3.94,1.87,False,False,False,False,False,0.857,51.6,34.0,preferred_longevity,75.8,baseline,0.884,0.795,True,31.0,True,-0.906,959158.51,272698.75,271762.27,270072.0,64142.1,False,0,-5.0,-20.0
LI-2024-INS004-004468,2014-09-20,3,38,41,1976,female,former_smoker,26.4,68,173,NJ,USA,single,graduate,heavy_blue_collar,20000.0,0.6288,accelerated_UW,120,77,235,63,3.73,129,4.9,False,97.0,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,0.93,4.0,False,False,False,True,53,UW-128,2.0,whole_life,1000000,annual,6847.78,,none,4515.19,,,True,quota_share,captive_agent,True,False,False,0.002872,0.009218,SOA_2015_VBT,SOA_Scale_MP2023,2.149,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002872,0.018,False,,1.0,False,,,,0.04,0.0479,False,normal_rate,3.06,2.28,False,False,False,False,False,0.815,58.4,55.0,super_preferred_longevity,100.0,baseline,1.028,0.544,False,,False,,995484.81,58768.38,56259.09,54782.24,13010.78,False,0,1.05,-4.31
LI-2024-INS004-004469,2017-09-13,2,40,42,1977,male,never_smoker,27.4,68,180,ME,USA,married,high_school,white_collar,46801.69,0.6324,non_med_guaranteed,119,72,199,57,3.49,83,5.0,False,66.2,0.77,False,False,True,False,False,none,,none,none,depression,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-474,1.25,term_life,500000,quarterly,2499.06,20.0,none,,,,False,none,captive_agent,False,False,False,0.002957,0.005161,SOA_2015_VBT,SOA_Scale_MP2023,1.458,neurological,True,2019-03-19,True,False,814041.44,0.0007,5e-05,1.095,0.000739,0.018,False,,1.0,False,,,,0.07,0.0836,False,normal_rate,3.93,2.58,False,False,False,False,False,0.877,55.5,53.5,super_preferred_longevity,100.0,baseline,1.026,0.459,False,,False,,500000.0,18632.72,19684.98,19992.48,4748.21,False,0,0.78,7.97
LI-2024-INS004-004470,2016-02-21,5,38,43,1978,female,never_smoker,33.4,63,188,NE,USA,widowed,bachelors,professional,48299.31,0.3514,non_med_guaranteed,126,70,224,36,6.22,82,6.5,False,,,False,False,True,False,False,none,,type_2,none,anxiety,5,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,51,UW-317,1.5,annuity_immediate,500000,monthly,2692.82,,none,,,,False,none,bank,False,False,False,0.002537,0.006504,SOA_2015_VBT,SOA_Scale_MP2023,1.669,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001268,0.018,False,,1.0,False,,,,0.005,0.0071,False,normal_rate,3.63,2.13,False,False,False,False,False,0.947,60.5,53.8,super_preferred_longevity,100.0,baseline,1.236,0.418,True,25.9,False,,500000.0,23011.03,20132.45,21542.56,5116.36,False,0,1.1,4.7
LI-2024-INS004-004471,2012-02-25,14,80,94,1932,male,current_smoker,21.8,62,119,MD,USA,married,some_college,white_collar,53242.57,0.4218,full_paramedical,142,87,225,50,4.5,94,4.6,True,88.2,15.04,False,False,False,True,False,none,,none,none,substance_use_disorder,0,True,False,False,False,True,standard,4.16,,True,True,False,False,37,UW-136,1.0,whole_life,1000000,annual,7959.84,,none,8657.12,,,True,excess_of_loss,captive_agent,False,False,False,0.380423,0.471,SOA_2015_VBT,SOA_Scale_MP2023,1.046,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.015,0.0204,False,normal_rate,4.96,2.83,False,False,False,False,False,0.818,5.0,1.1,sub_standard_longevity,20.5,baseline,1.184,0.472,True,67.2,False,,991342.88,3420.63,3456.72,3502.33,27158.97,False,0,2.78,15.14
LI-2024-INS004-004472,2023-08-13,4,44,48,1979,male,former_smoker,24.4,71,174,AZ,USA,married,less_than_hs,heavy_blue_collar,20000.0,0.295,full_paramedical,113,73,194,47,4.13,60,5.1,False,88.1,6.72,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,0.91,,False,False,False,False,13,UW-443,0.8,term_life,1000000,annual,3400.47,30.0,none,,,,True,quota_share,bank,False,False,False,0.005964,0.00633,SOA_2015_VBT,SOA_Scale_MP2023,0.83,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.1435,False,normal_rate,4.71,2.04,False,False,False,False,False,0.823,47.5,47.2,super_preferred_longevity,87.7,baseline,1.279,0.409,True,59.5,False,,1000000.0,29004.57,26840.9,27203.76,6460.89,False,0,3.81,21.56
LI-2024-INS004-004473,2005-12-09,1,36,37,1969,female,current_smoker,30.8,58,147,MO,USA,single,some_college,heavy_blue_collar,131647.52,0.9747,full_paramedical,145,97,193,44,4.39,106,5.4,True,61.7,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_4,1.07,4.0,False,False,False,False,15,UW-313,2.0,term_life,100000,monthly,681.83,30.0,none,,,,False,none,bank,False,False,False,0.003415,0.009047,SOA_2015_VBT,SOA_Scale_MP2023,2.145,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003415,0.015,False,,1.0,False,,,,0.1,0.092,False,normal_rate,3.55,2.25,False,False,False,False,False,0.774,60.4,55.0,super_preferred_longevity,100.0,baseline,0.769,1.0,False,,False,,100000.0,5351.23,5162.05,5454.64,1295.48,False,0,3.65,-3.94
LI-2024-INS004-004474,2012-12-23,5,57,62,1955,female,never_smoker,26.5,64,154,OK,USA,married,some_college,light_blue_collar,74162.49,0.6779,non_med_guaranteed,129,78,227,44,5.16,84,4.6,False,67.9,,True,False,False,True,False,none,,none,none,none,17,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,33,UW-269,2.5,universal_life,500000,annual,6542.97,,15yr_declining,4602.25,,,False,none,bank,False,False,False,0.010268,0.043148,SOA_2015_VBT,SOA_Scale_MP2023,2.725,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015402,0.012,False,,1.0,False,,,,0.08,0.0417,False,normal_rate,1.64,2.12,False,False,False,False,False,0.78,35.9,36.0,preferred_longevity,76.7,baseline,0.992,0.705,True,80.6,False,,495397.75,49499.72,52191.13,52343.76,12431.64,False,0,0.25,-15.95
LI-2024-INS004-004475,2015-01-02,11,75,86,1940,male,former_smoker,37.9,62,207,MO,USA,married,some_college,hazardous,244484.48,0.5512,full_paramedical,149,85,229,39,5.87,75,4.3,False,66.2,14.01,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,3.64,4.0,True,False,False,False,6,UW-280,2.0,annuity_immediate,1000000,monthly,12504.24,,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.123392,0.421044,SOA_2015_VBT,SOA_Scale_MP2023,2.22,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.123392,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.58,1.62,False,False,False,False,False,0.892,10.8,1.0,sub_standard_longevity,22.3,baseline,1.087,0.456,False,,False,,1000000.0,4540.99,4293.29,5001.7,42764.5,False,0,2.4,-2.63
LI-2024-INS004-004476,2019-09-21,2,73,75,1946,male,never_smoker,26.8,75,214,KY,USA,married,some_college,professional,32983.28,0.5882,non_med_guaranteed,137,83,215,45,4.78,72,5.0,False,67.1,13.03,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-380,1.25,whole_life,500000,monthly,4363.27,,none,2744.18,,,False,none,bank,False,False,False,0.038503,0.067478,SOA_2015_VBT,SOA_Scale_MP2023,1.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009626,0.008,False,,1.0,False,,,,0.04,0.0492,False,normal_rate,3.54,1.52,False,False,False,False,False,0.761,16.9,14.9,standard_longevity,53.7,baseline,1.059,0.487,False,,False,,497255.82,25499.12,24689.98,26005.09,10070.43,False,0,2.75,11.65
LI-2024-INS004-004477,2024-06-10,1,52,53,1972,male,never_smoker,29.4,68,193,AL,USA,married,less_than_hs,professional,47187.96,0.6498,full_paramedical,123,82,216,38,5.68,94,,False,71.9,1.12,False,False,False,False,False,none,,none,none,bipolar,1,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,41,UW-319,2.0,term_life,1000000,monthly,9577.69,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.006813,0.021785,SOA_2015_VBT,SOA_Scale_MP2023,2.17,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.018,False,,1.0,True,2025-11-15,unknown,1.0,0.1,0.1652,False,normal_rate,2.88,1.0,False,False,False,False,False,0.774,39.8,38.8,super_preferred_longevity,80.4,baseline,1.013,0.593,False,,False,,1000000.0,79448.56,70114.14,76621.52,18197.61,False,0,-2.34,-2.94
LI-2024-INS004-004478,2011-10-22,1,21,22,1990,male,never_smoker,26.5,76,217,CT,USA,married,some_college,professional,27521.06,0.6256,full_paramedical,103,62,159,50,3.18,100,5.3,False,93.6,,False,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,10,UW-071,0.66,annuity_deferred,250000,quarterly,312.15,,none,206.31,,,False,none,bank,False,False,False,0.001068,0.000675,SOA_2015_VBT,SOA_Scale_MP2023,0.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.072,False,normal_rate,3.63,2.92,False,False,False,False,False,0.888,70.0,55.0,super_preferred_longevity,100.0,baseline,1.031,0.545,False,,False,,249793.69,2277.43,2498.0,2497.2,593.08,False,0,3.23,26.52
LI-2024-INS004-004479,2014-12-03,5,73,78,1941,male,never_smoker,29.1,74,227,NY,USA,divorced,high_school,white_collar,127529.51,0.5909,full_paramedical,139,75,176,59,2.98,126,5.8,False,74.8,4.77,False,False,False,True,False,none,,none,none,schizophrenia,7,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,15,UW-098,2.5,term_life,500000,semi_annual,9096.27,20.0,none,,,,False,none,captive_agent,True,False,False,0.048048,0.199678,SOA_2015_VBT,SOA_Scale_MP2023,2.513,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.072072,0.008,False,,1.0,False,,,,0.07,0.0859,False,normal_rate,3.17,2.58,False,False,False,False,False,0.894,13.2,8.2,sub_standard_longevity,33.7,baseline,1.057,0.565,False,,False,,500000.0,30941.43,26683.3,29835.77,25869.79,False,0,-1.32,-18.43
LI-2024-INS004-004480,2010-07-03,9,71,80,1939,male,current_smoker,34.3,75,274,CT,USA,married,bachelors,professional,375345.09,0.9226,full_paramedical,121,76,259,56,4.62,119,5.1,True,63.9,3.25,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,23,UW-125,2.75,universal_life,2000000,annual,32918.22,,10yr_declining,27186.34,,,True,facultative,bank,False,False,False,0.121696,0.497259,SOA_2015_VBT,SOA_Scale_MP2023,2.891,respiratory,True,2014-08-11,False,False,1469013.19,0.0007,5e-05,1.095,0.212968,0.005,False,,1.0,False,,,,0.06,0.026,False,normal_rate,0.95,1.96,False,False,False,False,False,0.907,15.9,6.9,standard_longevity,36.7,baseline,0.808,1.0,False,,False,,1972813.66,89223.06,89566.17,90854.29,97042.91,False,0,0.56,-20.0
LI-2024-INS004-004481,2012-02-20,1,60,61,1952,female,never_smoker,31.2,70,217,OH,USA,married,some_college,professional,51692.77,0.4575,full_paramedical,167,101,215,39,5.51,86,5.1,True,79.6,,False,False,False,False,False,none,,none,none,none,17,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,22,UW-113,2.0,universal_life,500000,monthly,5149.71,,15yr_declining,3405.27,,,False,none,captive_agent,False,False,False,0.018181,0.063928,SOA_2015_VBT,SOA_Scale_MP2023,2.175,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018181,0.012,False,,1.0,False,,,,0.12,0.072,False,normal_rate,0.94,2.52,False,False,False,False,False,0.836,31.6,33.1,preferred_longevity,69.0,baseline,1.157,0.452,True,58.2,False,,496594.73,37176.6,39290.79,41197.68,9784.45,False,0,1.69,-10.25
LI-2024-INS004-004482,2022-04-20,1,18,19,2004,male,former_smoker,31.6,75,252,TN,USA,married,bachelors,light_blue_collar,21975.59,0.6859,full_paramedical,116,78,207,31,6.68,114,,False,106.1,,False,True,False,False,True,prostate,6.1,none,none,none,7,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,44,UW-036,1.5,term_life,500000,quarterly,1185.9,30.0,none,,,,False,none,captive_agent,False,False,False,0.001274,0.004727,SOA_2015_VBT,SOA_Scale_MP2023,1.546,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000637,0.012,True,0.00215,1.0,False,,,,0.1,0.1151,False,normal_rate,2.5,2.9,False,False,False,False,False,0.971,70.0,55.0,super_preferred_longevity,100.0,baseline,0.986,0.56,False,,False,,500000.0,10062.86,8871.3,9487.2,2253.21,False,0,2.61,4.36
LI-2024-INS004-004483,2012-07-12,13,53,66,1959,male,never_smoker,32.3,66,200,NH,USA,married,bachelors,heavy_blue_collar,35151.33,0.715,full_paramedical,132,73,225,30,7.5,80,8.8,False,101.8,1.03,True,False,False,False,False,none,,type_2,none,schizophrenia,2,False,False,False,False,True,substandard_table_5,1.23,5.0,False,False,False,False,32,UW-032,2.25,group_life,250000,annual,2677.59,,none,,,,False,none,employer_group,False,False,False,0.019025,0.065128,SOA_2015_VBT,SOA_Scale_MP2023,2.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023781,0.012,False,,1.0,False,,,,0.1,0.1354,False,normal_rate,2.1,2.43,False,False,False,False,False,0.876,36.7,23.8,standard_longevity,58.9,baseline,0.964,0.842,False,,True,0.045,250000.0,23124.59,20573.17,21420.72,5087.42,False,0,0.08,-13.52
LI-2024-INS004-004484,2019-12-21,7,22,29,1997,male,never_smoker,31.3,73,237,HI,USA,married,graduate,heavy_blue_collar,176996.93,0.7456,non_med_guaranteed,133,84,241,52,4.63,96,4.7,False,86.7,,False,False,False,False,False,none,,none,none,none,2,False,True,True,False,True,preferred,1.15,,False,False,False,False,40,UW-071,0.81,group_life,1000000,monthly,1704.02,,none,,,,True,quota_share,bank,False,False,False,0.001394,0.001014,SOA_2015_VBT,SOA_Scale_MP2023,0.773,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,True,2025-06-22,non_payment,7.0,0.12,0.1324,False,normal_rate,2.66,0.83,False,False,False,False,False,0.769,70.0,55.0,super_preferred_longevity,100.0,baseline,0.941,0.833,False,,False,,1000000.0,13007.92,12315.83,13632.16,3237.64,False,0,3.29,20.3
LI-2024-INS004-004485,2006-12-01,2,53,55,1953,female,never_smoker,33.8,69,228,AL,USA,married,graduate,professional,122092.55,0.8022,accelerated_UW,112,75,218,45,4.84,109,5.9,False,,,False,False,False,False,False,none,,pre_diabetes,none,schizophrenia,0,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,29,UW-115,2.25,annuity_immediate,2000000,quarterly,19701.79,,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.005554,0.019358,SOA_2015_VBT,SOA_Scale_MP2023,2.488,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006943,0.012,False,,1.0,False,,,,0.005,0.0053,False,normal_rate,1.65,1.33,False,False,False,False,False,0.969,40.1,38.4,super_preferred_longevity,82.1,baseline,0.898,0.765,True,35.9,False,,2000000.0,171902.5,163792.85,157614.32,37433.4,False,0,0.81,-8.09
LI-2024-INS004-004486,2020-12-05,6,78,84,1942,male,never_smoker,23.2,67,148,LA,USA,single,some_college,light_blue_collar,112313.47,0.2766,limited_exam,147,99,214,48,4.46,72,5.3,False,66.5,8.28,False,False,True,False,True,prostate,5.1,none,none,bipolar,6,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,31,UW-424,2.0,group_life,2000000,monthly,26041.57,,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.081343,0.309868,SOA_2015_VBT,SOA_Scale_MP2023,2.122,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.081343,0.008,True,0.00542,1.0,False,,,,0.12,0.2484,False,normal_rate,3.87,2.58,False,False,False,False,False,0.931,10.0,4.1,sub_standard_longevity,32.8,baseline,1.293,0.429,True,37.5,False,,2000000.0,44971.38,44156.54,42708.17,82603.86,False,0,1.24,-8.98
LI-2024-INS004-004487,2011-02-28,13,65,78,1946,male,never_smoker,29.9,63,168,KS,USA,married,bachelors,white_collar,32394.83,0.7727,full_paramedical,143,89,211,52,4.06,105,5.4,False,80.6,2.69,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,28,UW-405,1.25,universal_life,5000000,quarterly,43320.39,,15yr_declining,43597.45,,,True,none,captive_agent,False,False,False,0.050017,0.080136,SOA_2015_VBT,SOA_Scale_MP2023,1.469,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012504,0.008,False,,1.0,False,,,,0.04,0.0195,False,normal_rate,4.28,2.51,False,False,False,False,False,0.761,22.6,9.6,standard_longevity,38.5,baseline,0.92,0.955,False,,False,,4956402.55,171617.82,161581.86,166350.3,118351.3,False,0,1.1,14.41
LI-2024-INS004-004488,2020-11-21,3,71,74,1949,male,never_smoker,27.1,63,153,GA,USA,married,high_school,light_blue_collar,73767.55,0.6801,full_paramedical,155,95,175,60,2.92,103,5.0,False,75.9,5.23,False,False,True,False,False,none,,none,none,none,4,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-064,1.5,whole_life,2000000,semi_annual,18602.07,,none,13507.36,,,True,none,independent_broker,False,False,False,0.036143,0.079385,SOA_2015_VBT,SOA_Scale_MP2023,1.614,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018072,0.008,True,0.00357,1.0,True,2026-02-21,voluntary_surrender,3.0,0.04,0.0462,False,normal_rate,3.39,2.44,False,False,False,False,False,0.88,19.7,16.7,standard_longevity,57.8,baseline,0.99,0.621,False,,False,,1986492.64,115653.12,125198.79,124261.83,40254.88,False,0,1.98,5.37
LI-2024-INS004-004489,2013-10-16,1,28,29,1985,male,former_smoker,30.0,70,208,PA,USA,divorced,high_school,professional,50896.02,0.1501,full_paramedical,125,94,191,48,3.98,93,,False,109.7,,False,False,False,False,False,none,,none,none,none,27,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,20,UW-381,1.75,term_life,500000,semi_annual,2293.62,15.0,none,,,,False,none,bank,False,False,False,0.001812,0.005827,SOA_2015_VBT,SOA_Scale_MP2023,1.777,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001359,0.02,False,,1.0,False,,,,0.1,0.2212,False,normal_rate,1.44,2.63,False,True,False,False,False,0.941,64.0,60.1,super_preferred_longevity,100.0,baseline,1.387,0.067,True,61.5,False,,500000.0,20134.19,16337.55,18348.96,4357.88,False,0,-0.29,0.24
LI-2024-INS004-004490,2006-02-08,19,19,38,1987,male,never_smoker,31.0,68,203,CT,USA,widowed,some_college,white_collar,37582.9,0.5314,non_med_guaranteed,144,85,166,51,3.25,104,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-079,1.25,whole_life,1000000,monthly,3704.19,,none,4879.26,,,True,none,independent_broker,False,False,False,0.00227,0.004111,SOA_2015_VBT,SOA_Scale_MP2023,1.417,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000568,0.02,False,,1.0,False,,,,0.015,0.0191,False,normal_rate,4.11,2.66,False,False,False,False,False,0.993,70.0,51.0,super_preferred_longevity,97.0,baseline,1.101,0.527,False,,False,,995120.74,27596.55,27747.55,29633.52,7037.96,False,0,4.83,10.41
LI-2024-INS004-004491,2022-08-10,3,22,25,2000,male,never_smoker,25.4,71,182,KS,USA,married,some_college,professional,146512.45,0.7746,non_med_guaranteed,108,66,177,74,2.39,85,5.3,False,87.4,,False,False,True,False,False,none,,none,none,none,11,False,False,False,False,False,preferred_plus,,,False,False,False,False,4,UW-329,0.58,universal_life,1000000,monthly,1117.01,,15yr_declining,803.43,,,True,excess_of_loss,captive_agent,False,False,False,0.001183,0.003727,SOA_2015_VBT,SOA_Scale_MP2023,0.566,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00311,1.0,False,,,,0.08,0.0389,False,normal_rate,3.46,2.82,False,False,False,False,False,0.953,70.0,55.0,super_preferred_longevity,100.0,baseline,0.919,0.776,False,,False,,999196.57,9330.41,9287.94,8936.08,2122.32,False,0,7.58,33.42
LI-2024-INS004-004492,2019-08-12,5,65,70,1954,female,former_smoker,36.2,61,191,OH,USA,single,some_college,professional,25160.83,0.5722,accelerated_UW,136,77,198,50,3.96,134,5.0,False,106.2,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,21,UW-444,1.25,term_life,250000,quarterly,2032.82,30.0,none,,,,False,none,captive_agent,False,False,False,0.026388,0.042146,SOA_2015_VBT,SOA_Scale_MP2023,1.258,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006597,0.012,False,,1.0,False,,,,0.07,0.087,False,normal_rate,2.13,2.68,False,False,False,False,False,0.911,27.3,22.3,standard_longevity,54.5,baseline,1.071,0.475,False,,False,,250000.0,16806.02,16496.44,16262.56,3862.36,False,0,3.34,2.3
LI-2024-INS004-004493,2002-05-24,18,78,96,1924,male,current_smoker,23.2,68,152,RI,USA,married,some_college,professional,92788.5,0.641,limited_exam,150,104,227,42,5.4,99,4.7,True,47.2,20.0,True,False,False,False,True,lung,0.5,none,none,anxiety,6,False,False,False,False,True,declined,,,False,False,True,False,22,UW-307,7.0,group_life,500000,quarterly,27012.65,,none,,,,False,none,independent_broker,False,False,False,0.320129,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,6.827,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.1,0.1187,False,normal_rate,5.01,2.08,False,False,False,False,False,0.833,6.1,1.0,sub_standard_longevity,23.6,baseline,1.019,0.805,False,,False,,500000.0,10658.49,9334.14,10805.06,92383.26,False,0,-5.0,-20.0
LI-2024-INS004-004494,2017-01-10,4,67,71,1950,male,never_smoker,24.8,70,173,OK,USA,married,some_college,professional,20000.0,0.6539,full_paramedical,128,81,183,57,3.21,71,5.3,False,69.8,6.02,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-315,2.0,whole_life,500000,quarterly,6399.87,,none,4383.97,,,False,none,direct_to_consumer,False,False,False,0.026384,0.080109,SOA_2015_VBT,SOA_Scale_MP2023,2.017,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026384,0.012,False,,1.0,True,2025-10-13,voluntary_surrender,4.0,0.04,0.0659,False,normal_rate,4.72,2.4,False,False,False,False,False,0.886,21.1,17.1,standard_longevity,48.0,baseline,1.01,0.668,False,,False,,495616.03,43202.44,38562.78,43775.11,13644.52,False,0,-1.05,-3.61
LI-2024-INS004-004495,2009-12-20,7,50,57,1959,male,never_smoker,31.2,63,176,MT,USA,widowed,high_school,light_blue_collar,61877.91,0.318,accelerated_UW,137,87,158,58,2.72,109,,True,,1.87,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,26,UW-087,2.25,universal_life,1000000,monthly,11730.82,,10yr_declining,8925.35,,,True,excess_of_loss,independent_broker,False,False,False,0.01763,0.076102,SOA_2015_VBT,SOA_Scale_MP2023,2.431,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022037,0.012,False,,1.0,False,,,,0.06,0.039,False,normal_rate,2.64,0.6,False,False,False,False,False,0.755,38.1,31.8,preferred_longevity,65.0,baseline,1.262,0.352,True,40.4,False,,991074.65,90963.59,92483.58,93846.56,22288.56,False,0,3.49,-14.66
LI-2024-INS004-004496,2014-06-25,11,59,70,1955,male,never_smoker,29.1,69,197,NV,USA,married,high_school,professional,20109.46,0.8891,full_paramedical,141,85,288,53,5.43,112,5.1,False,69.0,6.28,False,True,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-267,2.25,universal_life,500000,quarterly,6452.07,,10yr_declining,6212.93,,,False,none,captive_agent,False,False,False,0.025682,0.080353,SOA_2015_VBT,SOA_Scale_MP2023,2.255,cancer,True,2016-09-06,False,False,1394776.22,0.0007,5e-05,1.095,0.032102,0.012,False,,1.0,False,,,,0.04,0.1234,True,normal_rate,3.82,1.59,False,False,False,False,False,0.989,30.8,19.8,standard_longevity,55.5,baseline,0.833,0.825,False,,False,,493787.07,49916.79,52761.95,51100.39,12362.17,False,0,0.74,-7.2
LI-2024-INS004-004497,2013-12-12,13,48,61,1965,female,never_smoker,32.6,66,202,CO,USA,married,some_college,white_collar,63186.27,0.7551,simplified_issue,143,103,259,61,4.25,98,5.0,False,53.1,,False,False,False,False,False,none,,none,none,none,3,True,False,True,True,True,substandard_table_4,3.1,4.0,True,False,False,False,45,UW-136,2.0,whole_life,500000,monthly,5172.68,,none,5404.64,,,False,none,worksite,False,False,False,0.010635,0.031647,SOA_2015_VBT,SOA_Scale_MP2023,2.116,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010635,0.015,False,,1.0,False,,,,0.015,0.0164,False,normal_rate,2.78,0.84,False,False,False,False,False,0.819,47.0,34.6,preferred_longevity,75.7,baseline,0.934,0.697,True,39.3,False,,494595.36,38079.37,40758.29,41381.44,9828.09,False,0,0.79,1.91
LI-2024-INS004-004498,2012-08-27,12,68,80,1944,female,never_smoker,29.7,67,189,NJ,USA,married,some_college,white_collar,108881.07,0.8584,non_med_guaranteed,119,72,204,65,3.14,118,5.6,False,71.6,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-206,2.25,term_life,1000000,monthly,13371.06,25.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.046847,0.154864,SOA_2015_VBT,SOA_Scale_MP2023,2.401,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.058559,0.008,False,,1.0,False,,,,0.03,0.0426,False,normal_rate,3.46,0.96,False,False,False,False,False,0.847,23.7,12.9,standard_longevity,44.7,baseline,0.856,0.751,True,63.5,False,,1000000.0,75153.09,61506.88,68994.67,32999.78,False,0,5.39,-2.86
LI-2024-INS004-004499,2012-04-12,15,22,37,1990,male,never_smoker,17.2,70,120,VT,USA,married,some_college,white_collar,41777.02,0.7207,full_paramedical,121,85,134,48,2.79,70,,False,120.0,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,7,UW-096,0.83,whole_life,1000000,semi_annual,2606.84,,none,2795.48,,,True,none,independent_broker,False,False,False,0.002134,0.001609,SOA_2015_VBT,SOA_Scale_MP2023,0.786,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.015,0.0169,False,normal_rate,1.65,1.15,False,False,False,False,False,0.986,70.0,52.5,super_preferred_longevity,100.0,baseline,0.959,0.675,True,17.6,False,,997204.52,20697.28,21580.33,20854.72,4953.0,False,0,0.5,29.04
LI-2024-INS004-004500,2014-01-17,13,45,58,1969,female,never_smoker,24.2,60,123,UT,USA,divorced,high_school,white_collar,79464.86,0.8103,accelerated_UW,127,81,207,60,3.45,103,4.4,False,71.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,True,29,UW-406,0.57,universal_life,100000,annual,288.84,,15yr_declining,308.65,,,False,none,captive_agent,False,False,False,0.008245,0.004863,SOA_2015_VBT,SOA_Scale_MP2023,0.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0189,False,normal_rate,3.38,0.89,False,False,False,False,False,0.757,50.8,37.8,super_preferred_longevity,81.4,baseline,0.892,0.693,False,,False,,99691.35,2481.14,2064.52,2310.72,548.8,False,0,4.51,25.95
LI-2024-INS004-004501,2009-11-03,3,52,55,1957,female,never_smoker,20.7,72,152,IN,USA,married,bachelors,light_blue_collar,27786.83,0.3376,full_paramedical,109,61,131,46,2.85,101,5.0,False,,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,30,UW-307,0.61,term_life,250000,monthly,687.52,15.0,none,,,,False,none,employer_group,False,False,False,0.005829,0.005051,SOA_2015_VBT,SOA_Scale_MP2023,0.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.1201,False,normal_rate,3.77,1.64,False,False,False,False,False,0.967,39.9,36.9,preferred_longevity,72.9,baseline,1.247,0.163,False,,False,,250000.0,5801.48,4689.81,5500.16,1306.29,False,0,4.74,30.23
LI-2024-INS004-004502,2020-11-15,7,79,86,1941,female,former_smoker,31.6,65,189,WI,USA,married,some_college,professional,54468.95,0.7677,limited_exam,137,64,208,47,4.43,111,5.7,False,95.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-002,2.25,universal_life,250000,monthly,3512.17,,15yr_declining,2776.99,,,False,none,bank,False,False,False,0.09951,0.345927,SOA_2015_VBT,SOA_Scale_MP2023,2.377,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.124387,0.008,True,0.00293,1.0,False,,,,0.06,0.0293,False,normal_rate,1.53,0.88,False,False,False,False,False,0.875,11.9,4.9,sub_standard_longevity,31.4,baseline,0.924,0.862,False,,False,,247223.01,7536.62,5896.04,6883.85,10915.83,False,0,-0.01,-10.91
LI-2024-INS004-004503,2006-09-17,2,57,59,1949,female,never_smoker,23.2,72,171,FL,USA,married,graduate,white_collar,109662.24,0.5496,limited_exam,123,84,176,45,3.91,111,5.2,False,84.3,,False,False,True,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-448,2.0,term_life,500000,quarterly,4575.79,10.0,none,,,,False,none,captive_agent,False,False,False,0.00789,0.027149,SOA_2015_VBT,SOA_Scale_MP2023,2.244,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00789,0.008,False,,1.0,False,,,,0.07,0.0882,False,normal_rate,4.99,0.94,False,False,False,False,False,0.859,37.2,38.8,super_preferred_longevity,88.9,baseline,1.088,0.439,True,64.5,False,,500000.0,35274.81,31996.58,36606.32,8694.0,False,0,0.21,-13.67
LI-2024-INS004-004504,2017-11-27,10,80,90,1937,male,former_smoker,26.8,76,220,KS,USA,married,some_college,professional,121385.24,0.6017,full_paramedical,161,96,225,39,5.77,94,,False,54.9,20.0,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-320,2.0,term_life,500000,monthly,7997.97,20.0,none,,,,False,none,bank,False,False,False,0.183267,0.588802,SOA_2015_VBT,SOA_Scale_MP2023,2.11,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.183267,0.005,False,,1.0,False,,,,0.05,0.0609,False,normal_rate,1.38,1.78,False,False,False,False,False,0.78,5.4,1.0,sub_standard_longevity,23.0,baseline,1.049,0.593,False,,False,,500000.0,3012.09,2973.49,3199.19,27353.06,False,0,-0.71,-6.03
LI-2024-INS004-004505,2008-09-23,18,65,83,1943,male,never_smoker,24.6,72,181,LA,USA,married,bachelors,professional,23800.71,0.1591,full_paramedical,149,100,188,65,2.89,98,,False,75.4,20.0,False,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-107,1.5,whole_life,100000,quarterly,969.43,,none,1209.65,,,False,none,employer_group,False,False,False,0.075261,0.210226,SOA_2015_VBT,SOA_Scale_MP2023,1.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03763,0.008,False,,1.0,False,,,,0.015,0.0283,False,normal_rate,4.23,1.85,False,False,False,False,False,0.832,22.7,4.7,sub_standard_longevity,31.9,baseline,1.381,0.326,False,,False,,98790.35,1660.09,1600.05,1822.53,3028.5,False,0,2.53,1.12
LI-2024-INS004-004506,2007-09-06,6,32,38,1975,female,never_smoker,28.4,66,176,NY,USA,single,less_than_hs,white_collar,67834.99,0.7674,accelerated_UW,137,88,211,43,4.91,101,5.9,False,111.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,5,False,True,False,True,True,substandard_table_5,,5.0,False,False,False,True,18,UW-233,2.25,universal_life,250000,annual,1563.86,,10yr_declining,1224.53,,,False,none,independent_broker,False,False,False,0.001816,0.006162,SOA_2015_VBT,SOA_Scale_MP2023,2.318,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00227,0.018,False,,1.0,False,,,,0.06,0.0293,False,normal_rate,4.17,1.06,False,False,False,False,False,0.953,64.8,55.0,super_preferred_longevity,100.0,baseline,0.924,0.864,False,,True,1.009,248775.47,13721.26,10698.16,12510.88,2971.33,False,0,1.91,-6.17
LI-2024-INS004-004507,2024-11-22,1,63,64,1961,female,never_smoker,23.3,64,135,MO,USA,married,some_college,light_blue_collar,83572.25,0.4811,simplified_issue,126,73,207,63,3.29,122,4.6,False,78.3,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,28,UW-001,2.25,universal_life,500000,annual,6902.2,,10yr_declining,4109.42,,,False,none,employer_group,False,False,False,0.012955,0.050505,SOA_2015_VBT,SOA_Scale_MP2023,2.325,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016193,0.015,False,,1.0,False,,,,0.12,0.0852,False,normal_rate,3.02,0.54,False,False,False,False,False,0.971,30.3,31.3,preferred_longevity,66.7,baseline,1.139,0.447,True,54.3,False,,495890.58,53069.43,48122.96,55217.6,13114.18,False,0,0.93,-12.36
LI-2024-INS004-004508,2016-04-18,9,80,89,1936,male,never_smoker,30.0,64,174,SD,USA,divorced,some_college,professional,74415.68,0.8524,full_paramedical,147,86,252,55,4.58,80,,False,59.2,11.17,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-265,1.5,universal_life,500000,annual,5192.7,,10yr_declining,4689.12,,,False,none,bank,False,False,False,0.129104,0.246567,SOA_2015_VBT,SOA_Scale_MP2023,1.638,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064552,0.005,False,,1.0,False,,,,0.06,0.0275,False,normal_rate,2.51,2.81,False,False,False,False,False,0.844,6.2,1.0,sub_standard_longevity,26.8,baseline,0.861,0.839,False,,False,,495310.88,2179.59,1782.84,2077.08,17759.03,False,0,4.13,9.85
LI-2024-INS004-004509,2019-07-06,6,57,63,1962,male,former_smoker,28.5,62,156,MT,USA,married,bachelors,white_collar,150724.01,0.3575,limited_exam,137,79,211,51,4.14,109,,False,76.0,5.3,False,True,False,False,True,prostate,5.1,none,none,bipolar,7,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,26,UW-090,2.0,whole_life,1000000,quarterly,9981.46,,none,7655.39,,,True,none,captive_agent,False,True,False,0.019607,0.073637,SOA_2015_VBT,SOA_Scale_MP2023,2.237,accident,True,2020-02-18,True,False,261768.43,0.0007,5e-05,1.095,0.019607,0.015,False,,1.0,False,,,,0.02,0.0283,False,normal_rate,3.05,1.19,False,False,False,False,False,0.997,31.9,25.9,standard_longevity,56.7,baseline,1.232,0.394,False,,False,,992344.61,75903.38,80957.18,79851.68,18964.77,False,0,1.33,-9.98
LI-2024-INS004-004510,2008-09-07,15,70,85,1938,male,never_smoker,25.4,71,182,MO,USA,married,bachelors,white_collar,119980.28,0.2339,full_paramedical,134,88,250,56,4.46,86,5.2,False,52.5,7.39,False,False,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-086,2.0,universal_life,1000000,annual,14081.55,,15yr_declining,15473.62,,,True,quota_share,captive_agent,True,False,False,0.093081,0.365187,SOA_2015_VBT,SOA_Scale_MP2023,2.207,neurological,True,2011-09-01,False,False,107368.46,0.0007,5e-05,1.095,0.093081,0.005,False,,1.0,False,,,,0.04,0.0272,False,normal_rate,2.85,1.01,False,False,False,False,False,0.894,14.0,1.1,sub_standard_longevity,17.7,baseline,1.325,0.132,True,57.4,False,,984526.38,5814.42,6173.08,6195.88,48046.25,False,0,0.36,-5.43
LI-2024-INS004-004511,2019-02-07,5,49,54,1970,male,never_smoker,37.3,62,203,NC,USA,married,graduate,white_collar,119034.15,0.9256,full_paramedical,130,91,219,36,6.08,98,5.4,False,84.3,8.31,False,False,True,False,False,none,,none,none,anxiety,4,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,27,UW-307,1.5,group_life,500000,annual,3262.33,,none,,,,False,none,worksite,False,False,False,0.007392,0.014013,SOA_2015_VBT,SOA_Scale_MP2023,1.732,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003696,0.018,False,,1.0,False,,,,0.15,0.1439,False,normal_rate,3.89,2.39,False,False,False,False,False,0.951,46.6,41.6,super_preferred_longevity,98.8,baseline,0.806,0.807,False,,False,,500000.0,23877.77,24543.55,26098.64,6198.43,False,0,5.22,12.68
LI-2024-INS004-004512,2004-06-06,22,74,96,1930,male,unknown,31.3,65,188,LA,USA,married,some_college,light_blue_collar,20000.0,0.5429,limited_exam,153,100,265,48,5.52,82,,False,71.5,20.0,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-174,2.25,group_life,100000,quarterly,1555.77,,none,,,,False,none,independent_broker,False,False,False,0.253376,0.94915,SOA_2015_VBT,SOA_Scale_MP2023,2.284,respiratory,True,2017-06-01,False,False,1912440.11,0.0007,5e-05,1.095,0.31672,0.005,False,,1.0,False,,,,0.1,0.1266,False,normal_rate,3.05,2.42,False,False,False,False,False,0.817,10.1,1.0,sub_standard_longevity,22.1,baseline,1.093,0.458,True,74.8,True,-0.945,100000.0,572.8,547.73,622.31,5320.73,False,0,1.01,-11.14
LI-2024-INS004-004513,2010-10-20,14,63,77,1947,female,never_smoker,21.4,61,113,OR,USA,married,some_college,light_blue_collar,26209.85,0.6867,simplified_issue,106,66,178,63,2.83,94,5.3,False,84.8,,True,False,True,True,False,none,,none,none,none,1,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,29,UW-311,2.5,whole_life,100000,monthly,1690.86,,none,1793.16,,,False,none,captive_agent,True,False,False,0.036972,0.147518,SOA_2015_VBT,SOA_Scale_MP2023,2.528,cardiovascular,True,2020-01-01,False,False,665569.51,0.0007,5e-05,1.095,0.055458,0.008,False,,1.0,False,,,,0.015,0.0173,False,normal_rate,5.73,2.25,False,False,False,False,True,0.949,31.4,17.4,standard_longevity,58.9,baseline,0.985,0.807,False,,False,,98206.84,11761.47,11968.95,11768.39,3564.33,False,0,-1.96,-14.14
LI-2024-INS004-004514,2011-03-04,8,27,35,1984,male,former_smoker,24.5,74,190,TN,USA,single,graduate,heavy_blue_collar,29887.57,0.4834,full_paramedical,116,78,211,56,3.77,79,,False,94.4,,False,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,0.98,6.0,False,False,False,False,31,UW-463,2.5,whole_life,500000,quarterly,3619.46,,none,3012.54,,,False,none,captive_agent,False,False,False,0.002465,0.01085,SOA_2015_VBT,SOA_Scale_MP2023,2.551,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003698,0.02,False,,1.0,False,,,,0.02,0.0263,False,normal_rate,4.24,2.19,False,False,False,False,False,0.829,66.1,55.0,super_preferred_longevity,100.0,baseline,1.137,0.338,False,,False,,496987.46,29753.72,25341.76,28955.68,6876.97,False,0,-2.86,-20.0
LI-2024-INS004-004515,2004-08-04,12,54,66,1950,male,never_smoker,26.3,71,188,ND,USA,married,high_school,heavy_blue_collar,63544.97,0.7498,full_paramedical,139,93,252,55,4.58,95,,False,72.6,4.55,True,False,False,False,False,none,,none,none,anxiety,4,False,False,True,False,True,substandard_table_2,1.45,2.0,False,False,False,False,50,UW-153,1.5,term_life,1000000,semi_annual,7212.14,15.0,none,,,,True,quota_share,employer_group,True,False,False,0.017066,0.032841,SOA_2015_VBT,SOA_Scale_MP2023,1.519,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008533,0.012,False,,1.0,False,,,,0.03,0.0396,False,normal_rate,4.45,1.65,False,True,False,False,False,0.915,34.5,22.5,standard_longevity,57.5,baseline,0.938,0.857,False,,False,,1000000.0,55789.04,49224.62,57697.12,13703.07,False,0,4.58,9.4
LI-2024-INS004-004516,2000-10-01,12,62,74,1938,male,never_smoker,25.8,61,136,TX,USA,married,some_college,professional,38027.58,0.5826,simplified_issue,124,82,277,55,5.04,88,,False,79.7,3.91,False,False,False,False,True,prostate,6.3,none,none,anxiety,1,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,False,28,UW-437,1.25,annuity_deferred,100000,monthly,844.54,,none,811.82,,,False,none,employer_group,False,False,False,0.035897,0.061789,SOA_2015_VBT,SOA_Scale_MP2023,1.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008974,0.005,False,,1.0,False,,,,0.01,0.0148,False,normal_rate,5.04,2.05,False,False,False,False,False,0.859,23.4,11.4,standard_longevity,38.3,baseline,1.063,0.551,False,,False,,99188.18,3974.42,3276.14,3851.1,2185.67,False,0,3.43,10.46
LI-2024-INS004-004517,2021-12-20,5,71,76,1950,female,never_smoker,27.5,64,160,NC,USA,married,high_school,professional,31120.64,0.6834,full_paramedical,140,81,197,38,5.18,76,,False,56.9,,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,17,UW-364,2.25,term_life,1000000,annual,14646.55,30.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.032669,0.125426,SOA_2015_VBT,SOA_Scale_MP2023,2.466,respiratory,True,2024-01-28,False,False,1673974.3,0.0007,5e-05,1.095,0.040836,0.012,True,0.00504,1.0,False,,,,0.07,0.113,False,normal_rate,0.0,0.78,False,False,False,False,False,0.787,21.2,16.6,standard_longevity,47.7,baseline,0.987,0.785,True,41.2,False,,1000000.0,99781.04,86836.29,97253.09,31812.31,False,0,2.11,-14.51
LI-2024-INS004-004518,2000-12-16,2,65,67,1935,male,current_smoker,23.3,62,127,HI,USA,married,some_college,professional,85311.74,0.2795,full_paramedical,118,76,243,45,5.4,113,5.5,True,77.3,3.79,False,False,False,False,False,none,,none,mild_gold_1,none,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-427,2.0,term_life,100000,monthly,1111.48,30.0,none,,,,False,none,bank,False,False,False,0.038391,0.140096,SOA_2015_VBT,SOA_Scale_MP2023,2.053,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038391,0.005,False,,1.0,False,,,,0.07,0.1447,False,normal_rate,5.4,0.81,False,False,False,False,False,0.981,18.8,16.8,standard_longevity,41.9,baseline,1.29,0.37,False,,False,,100000.0,7874.34,6695.04,7469.15,2396.35,False,0,1.46,-3.71
LI-2024-INS004-004519,2019-08-16,3,52,55,1967,female,never_smoker,24.2,63,136,WY,USA,single,bachelors,professional,58428.34,0.6334,limited_exam,121,74,229,44,5.2,111,5.6,False,83.5,,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-356,2.25,term_life,500000,monthly,5487.81,25.0,none,,,,False,none,captive_agent,False,False,False,0.00642,0.024332,SOA_2015_VBT,SOA_Scale_MP2023,2.478,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008025,0.015,False,,1.0,False,,,,0.07,0.0835,False,normal_rate,0.64,1.32,False,False,False,False,False,0.848,42.8,39.8,super_preferred_longevity,81.7,baseline,1.025,0.766,False,,False,,500000.0,43941.96,40946.43,43902.48,10426.84,False,0,2.29,-16.43
LI-2024-INS004-004520,2014-09-12,11,19,30,1995,male,never_smoker,28.1,71,201,NJ,USA,single,bachelors,white_collar,102065.43,0.3932,simplified_issue,113,60,235,56,4.2,98,,False,78.6,,True,True,False,False,False,none,,none,none,substance_use_disorder,1,True,False,False,False,False,substandard_table_5,3.68,5.0,True,False,False,False,21,UW-121,2.25,universal_life,500000,annual,3229.7,,10yr_declining,3015.72,,,False,none,captive_agent,False,False,False,0.00146,0.005956,SOA_2015_VBT,SOA_Scale_MP2023,2.348,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001825,0.022,False,,1.0,False,,,,0.04,0.1758,True,normal_rate,2.02,2.35,False,False,False,False,False,0.871,70.0,55.0,super_preferred_longevity,100.0,baseline,1.205,0.329,False,,False,,496984.28,27102.31,26873.11,25837.6,6136.43,False,0,-0.47,-10.26
LI-2024-INS004-004521,2009-02-20,10,79,89,1930,female,former_smoker,26.8,69,181,PA,USA,married,graduate,heavy_blue_collar,26285.23,0.7395,simplified_issue,153,105,226,54,4.19,84,,False,91.6,,False,False,False,True,True,breast,13.1,none,none,none,12,False,False,False,False,True,declined,,,False,False,True,False,26,UW-305,7.0,term_life,250000,quarterly,13472.47,15.0,none,,,,False,none,bank,False,False,False,0.13029,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,6.999,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.05,0.0554,False,normal_rate,4.52,2.23,False,False,False,False,False,0.875,9.9,1.0,sub_standard_longevity,25.1,baseline,0.945,0.828,False,,False,,250000.0,5047.12,4825.0,5388.99,46075.85,False,0,-5.0,-20.0
LI-2024-INS004-004522,2020-01-06,4,76,80,1944,female,never_smoker,34.3,59,169,OK,USA,married,graduate,heavy_blue_collar,51538.13,0.8479,limited_exam,125,81,219,49,4.47,95,6.3,False,73.5,,False,False,False,False,False,none,,pre_diabetes,none,substance_use_disorder,2,False,False,False,False,True,standard,0.59,,False,True,False,False,52,UW-452,1.0,term_life,250000,quarterly,1864.64,30.0,none,,,,False,none,captive_agent,False,False,False,0.046847,0.046927,SOA_2015_VBT,SOA_Scale_MP2023,1.057,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00414,1.0,False,,,,0.07,0.0715,False,normal_rate,2.22,0.74,False,False,False,False,False,0.86,15.6,12.8,standard_longevity,44.4,baseline,0.864,0.834,True,64.0,False,,250000.0,10208.9,8140.73,9546.96,4616.85,False,0,6.69,18.91
LI-2024-INS004-004523,2016-03-10,5,74,79,1942,male,never_smoker,28.7,70,200,RI,USA,married,high_school,white_collar,21784.03,0.6565,full_paramedical,146,81,235,42,5.6,98,4.9,False,76.2,9.49,False,True,False,False,False,none,,none,none,anxiety,10,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,23,UW-070,1.5,term_life,250000,annual,2537.21,15.0,none,,,,False,none,captive_agent,False,False,False,0.052836,0.117243,SOA_2015_VBT,SOA_Scale_MP2023,1.706,respiratory,True,2020-08-02,False,False,1358826.06,0.0007,5e-05,1.095,0.026418,0.008,False,,1.0,False,,,,0.07,0.0822,False,normal_rate,2.57,2.48,False,False,False,False,False,0.983,12.6,7.4,sub_standard_longevity,33.4,baseline,1.008,0.662,True,26.1,False,,250000.0,8208.18,6404.07,7510.14,7378.21,False,0,4.45,3.63
LI-2024-INS004-004524,2013-10-23,12,79,91,1934,female,never_smoker,21.1,70,147,MN,USA,married,less_than_hs,light_blue_collar,45005.48,0.4013,full_paramedical,151,104,207,73,2.84,100,5.3,False,68.4,,False,True,False,False,True,colorectal,0.7,none,none,depression,10,False,False,False,False,True,standard,,,False,True,False,False,40,UW-295,1.0,whole_life,250000,annual,1822.22,,none,1758.53,,,False,none,captive_agent,False,False,False,0.120626,0.147237,SOA_2015_VBT,SOA_Scale_MP2023,1.018,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.015,0.0207,False,normal_rate,4.63,2.73,False,False,False,False,False,0.918,9.1,1.0,sub_standard_longevity,20.0,baseline,1.199,0.329,False,,False,,248241.47,662.73,760.63,728.89,6231.99,False,0,3.02,17.79
LI-2024-INS004-004525,2009-07-10,8,69,77,1940,female,never_smoker,36.8,70,256,AK,USA,single,some_college,heavy_blue_collar,35586.79,0.8658,non_med_guaranteed,135,93,195,46,4.24,126,6.3,False,70.2,,False,True,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,1.42,4.0,False,False,False,False,6,UW-268,2.0,whole_life,2000000,monthly,25636.94,,none,20282.39,,,True,none,captive_agent,False,False,False,0.03495,0.100595,SOA_2015_VBT,SOA_Scale_MP2023,2.208,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03495,0.008,False,,1.0,False,,,,0.02,0.0201,False,normal_rate,3.63,1.57,False,False,False,False,False,0.993,22.1,15.3,standard_longevity,48.4,baseline,0.851,0.738,True,58.6,False,,1979717.61,147500.93,144080.29,156898.07,58349.68,False,0,1.92,-1.08
LI-2024-INS004-004526,2002-03-23,21,61,82,1941,female,never_smoker,30.5,67,194,NE,USA,married,bachelors,heavy_blue_collar,137580.91,0.4899,full_paramedical,131,73,211,47,4.49,109,5.2,False,,,False,False,True,False,False,none,,none,none,none,4,False,False,False,False,False,standard,1.42,,False,False,False,False,8,UW-300,1.07,universal_life,250000,semi_annual,1785.94,,10yr_declining,2546.27,,,False,none,captive_agent,False,False,False,0.054364,0.065746,SOA_2015_VBT,SOA_Scale_MP2023,1.006,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003805,0.008,False,,1.0,False,,,,0.04,0.0523,False,normal_rate,5.98,1.11,False,False,False,False,False,0.985,31.7,10.7,standard_longevity,45.9,baseline,1.133,0.549,False,,False,,247453.73,7101.45,7163.78,7643.82,4722.03,False,0,1.45,13.17
LI-2024-INS004-004527,2000-11-18,20,78,98,1922,female,never_smoker,22.6,66,140,MD,USA,divorced,high_school,white_collar,47243.25,0.727,full_paramedical,171,111,213,53,4.02,64,5.2,False,65.9,,False,False,False,True,False,none,,none,none,substance_use_disorder,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,46,UW-366,2.5,term_life,500000,annual,11179.58,25.0,none,,,,False,none,captive_agent,True,False,False,0.145599,0.568567,SOA_2015_VBT,SOA_Scale_MP2023,2.519,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.218399,0.012,False,,1.0,False,,,,0.03,0.0336,False,normal_rate,4.55,0.64,False,False,False,False,False,0.959,10.2,1.0,sub_standard_longevity,24.9,baseline,0.955,0.563,False,,False,,500000.0,4053.41,4470.23,4471.83,38234.16,False,0,2.52,-9.31
LI-2024-INS004-004528,2014-04-10,13,60,73,1954,male,never_smoker,29.3,60,150,NV,USA,married,graduate,light_blue_collar,30127.34,0.7284,limited_exam,135,89,239,54,4.43,97,4.9,False,81.8,5.91,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-241,1.25,term_life,500000,semi_annual,3862.73,20.0,none,,,,False,none,captive_agent,False,False,False,0.032977,0.052117,SOA_2015_VBT,SOA_Scale_MP2023,1.395,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008244,0.012,False,,1.0,False,,,,0.03,0.0335,False,normal_rate,2.51,1.36,False,False,False,False,False,0.779,29.0,16.0,standard_longevity,47.4,baseline,0.954,0.695,False,,False,,500000.0,24978.79,25012.11,24721.47,8575.26,False,0,0.84,5.84
LI-2024-INS004-004529,2015-08-20,5,22,27,1993,male,never_smoker,36.8,63,207,CO,USA,married,bachelors,light_blue_collar,124678.22,0.6098,simplified_issue,122,75,202,40,5.05,132,4.8,False,90.4,,False,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,51,UW-046,2.5,term_life,100000,monthly,548.72,25.0,none,,,,False,none,captive_agent,False,False,False,0.001279,0.005525,SOA_2015_VBT,SOA_Scale_MP2023,2.705,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001918,0.022,False,,1.0,False,,,,0.07,0.0849,False,normal_rate,1.31,2.11,False,False,False,False,False,0.902,70.0,55.0,super_preferred_longevity,100.0,baseline,1.043,0.587,False,,False,,100000.0,4394.67,4473.98,4389.76,1042.57,False,0,-1.59,-14.2
LI-2024-INS004-004530,2012-10-10,5,19,24,1993,male,never_smoker,32.1,66,198,RI,USA,married,some_college,light_blue_collar,24732.93,0.4504,full_paramedical,115,76,212,38,5.58,103,5.1,False,104.4,,False,True,False,False,False,none,,none,none,anxiety,0,True,False,False,False,False,substandard_table_1,3.04,1.0,True,False,False,False,3,UW-002,1.25,term_life,1000000,semi_annual,2631.7,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001141,0.002045,SOA_2015_VBT,SOA_Scale_MP2023,1.327,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000285,0.022,False,,1.0,True,2025-10-04,non_payment,5.0,0.07,0.0938,False,normal_rate,0.9,2.19,False,False,False,False,False,0.805,70.0,55.0,super_preferred_longevity,100.0,baseline,1.162,0.501,False,,False,,1000000.0,19560.22,18614.92,21053.6,5000.23,False,0,4.76,11.44
LI-2024-INS004-004531,2013-05-13,1,48,49,1965,male,never_smoker,31.4,66,194,AK,USA,married,graduate,professional,32892.83,0.6781,full_paramedical,139,98,229,37,6.19,78,4.8,False,80.1,1.29,False,True,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-155,1.5,term_life,1000000,monthly,6602.84,10.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.004956,0.010202,SOA_2015_VBT,SOA_Scale_MP2023,1.572,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002478,0.015,False,,1.0,False,,,,0.1,0.1621,False,normal_rate,4.99,2.87,False,False,False,False,False,0.968,45.7,53.2,super_preferred_longevity,100.0,baseline,0.991,0.479,True,86.6,False,,1000000.0,55424.98,45676.72,52822.72,12545.4,False,0,2.63,7.07
LI-2024-INS004-004532,2012-05-22,6,28,34,1984,male,never_smoker,28.9,74,225,GA,USA,married,high_school,white_collar,45650.6,0.5551,full_paramedical,108,64,190,44,4.32,129,6.0,False,106.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,True,False,True,standard,,,False,True,False,False,48,UW-168,1.0,term_life,2000000,annual,5629.64,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.001792,0.002131,SOA_2015_VBT,SOA_Scale_MP2023,1.097,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0628,False,normal_rate,3.62,0.58,False,False,False,False,False,0.808,65.4,55.0,super_preferred_longevity,100.0,baseline,1.084,0.61,False,,False,,2000000.0,46917.65,42000.24,45037.12,10696.32,False,0,5.53,17.11
LI-2024-INS004-004533,2023-12-16,1,23,24,2000,female,current_smoker,24.9,60,127,AR,USA,married,bachelors,white_collar,183584.46,0.744,accelerated_UW,114,77,180,49,3.67,86,,True,105.9,,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_2,,2.0,False,False,False,True,22,UW-127,1.5,term_life,500000,semi_annual,1480.91,15.0,none,,,,True,none,bank,False,False,False,0.001825,0.003834,SOA_2015_VBT,SOA_Scale_MP2023,1.699,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000913,0.012,False,,1.0,True,2025-06-19,non_payment,1.0,0.1,0.1105,False,normal_rate,3.28,2.13,False,False,False,False,False,0.779,70.0,59.3,super_preferred_longevity,100.0,baseline,0.942,0.774,True,57.3,False,,500000.0,12088.51,11084.05,11847.28,2813.73,False,0,2.46,5.98
LI-2024-INS004-004534,2011-01-20,15,37,52,1974,female,former_smoker,15.0,59,90,WY,USA,widowed,high_school,professional,108381.03,0.4273,full_paramedical,115,75,225,60,3.75,87,5.3,False,64.8,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,True,False,True,declined,,,False,False,True,False,48,UW-200,7.0,annuity_deferred,1000000,semi_annual,34248.99,,none,39483.74,,,True,none,independent_broker,True,False,False,0.006536,0.086739,SOA_2015_VBT,SOA_Scale_MP2023,6.165,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.039214,0.018,False,,1.0,False,,,,0.01,0.0136,False,normal_rate,3.96,2.45,False,False,False,False,False,0.782,58.2,48.7,super_preferred_longevity,92.0,baseline,1.18,0.358,True,71.1,False,,960516.26,264788.36,252285.74,273991.92,65073.08,False,0,-5.0,-20.0
LI-2024-INS004-004535,2005-09-07,8,68,76,1937,female,never_smoker,31.6,69,214,SD,USA,married,bachelors,white_collar,71956.71,0.4675,accelerated_UW,139,76,216,45,4.8,111,,False,93.0,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,22,UW-068,2.0,term_life,250000,monthly,3590.64,25.0,none,,,,False,none,worksite,False,False,False,0.034027,0.11393,SOA_2015_VBT,SOA_Scale_MP2023,2.043,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.034027,0.005,False,,1.0,False,,,,0.05,0.0663,False,normal_rate,2.78,0.63,False,False,False,False,False,0.769,20.8,12.8,standard_longevity,38.7,baseline,1.149,0.412,False,,False,,250000.0,18836.57,17416.25,18384.08,8890.42,False,0,-4.41,-1.95
LI-2024-INS004-004536,2016-11-10,7,61,68,1955,male,never_smoker,35.8,63,202,TN,USA,married,graduate,light_blue_collar,355373.21,0.5681,full_paramedical,152,97,254,78,3.26,81,5.7,False,93.8,2.14,False,False,False,False,False,none,,none,none,none,1,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,48,UW-172,1.5,universal_life,250000,monthly,2083.64,,10yr_declining,1585.85,,,False,none,employer_group,False,False,False,0.021571,0.050886,SOA_2015_VBT,SOA_Scale_MP2023,1.731,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010786,0.012,False,,1.0,False,,,,0.06,0.0404,False,normal_rate,3.0,2.5,False,False,False,False,False,0.833,27.5,20.5,standard_longevity,51.8,baseline,1.074,0.464,False,,False,,248414.15,16063.04,16057.99,16669.12,3958.92,False,0,2.35,5.59
LI-2024-INS004-004537,2016-01-25,3,20,23,1996,male,never_smoker,23.2,63,131,CO,USA,married,some_college,white_collar,75183.84,0.9033,full_paramedical,118,65,229,42,5.45,60,5.3,False,87.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-322,2.25,group_life,250000,quarterly,1002.29,,none,,,,False,none,bank,False,False,False,0.001103,0.003494,SOA_2015_VBT,SOA_Scale_MP2023,2.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001378,0.022,False,,1.0,True,2025-07-21,non_payment,3.0,0.15,0.6398,False,normal_rate,6.04,2.64,False,False,False,True,False,0.819,70.0,55.0,super_preferred_longevity,100.0,baseline,0.823,0.75,False,,False,,250000.0,7917.4,8130.31,8018.32,1904.35,False,0,-3.75,-15.16
LI-2024-INS004-004538,2017-07-06,5,52,57,1965,male,never_smoker,28.8,61,152,KY,USA,married,bachelors,light_blue_collar,23703.21,0.5574,full_paramedical,119,72,171,59,2.9,101,5.4,False,76.2,5.08,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-114,2.25,whole_life,500000,monthly,5779.78,,none,4397.14,,,False,none,captive_agent,False,False,False,0.009477,0.037193,SOA_2015_VBT,SOA_Scale_MP2023,2.472,cardiovascular,True,2017-12-05,True,True,355142.91,0.0007,5e-05,1.095,0.011846,0.015,False,,1.0,False,,,,0.04,0.0502,False,normal_rate,4.09,2.69,False,False,False,False,False,0.754,38.2,34.7,preferred_longevity,72.9,baseline,1.082,0.811,False,,True,0.998,495602.86,45090.68,46759.96,46238.24,10981.58,False,0,-0.37,-16.01
LI-2024-INS004-004539,2012-03-10,1,29,30,1983,female,never_smoker,32.3,61,170,AK,USA,married,bachelors,professional,29191.51,0.2876,full_paramedical,144,83,166,26,6.38,104,5.0,False,,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-149,1.5,universal_life,1000000,monthly,4009.2,,15yr_declining,2312.24,,,True,quota_share,bank,False,False,False,0.001168,0.003083,SOA_2015_VBT,SOA_Scale_MP2023,1.666,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000584,0.02,False,,1.0,True,2025-10-26,voluntary_surrender,1.0,0.12,0.1111,False,normal_rate,3.14,0.76,False,False,False,False,False,0.834,67.2,55.0,super_preferred_longevity,99.3,baseline,1.284,0.303,False,,False,,997687.76,33120.74,27976.81,32073.6,7617.48,False,0,-2.48,3.38
LI-2024-INS004-004540,2017-06-20,5,42,47,1975,male,current_smoker,41.1,62,224,NV,USA,married,graduate,professional,212204.73,0.502,full_paramedical,150,96,241,28,8.61,148,7.3,True,108.2,1.24,False,False,False,False,False,none,,type_2,severe_gold_3,substance_use_disorder,0,False,False,False,False,True,substandard_table_9,,9.0,False,False,False,False,25,UW-128,3.25,whole_life,100000,monthly,1319.72,,none,974.53,,,False,none,direct_to_consumer,False,False,False,0.008502,0.053199,SOA_2015_VBT,SOA_Scale_MP2023,3.567,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019129,0.018,False,,1.0,False,,,,0.04,0.0727,False,normal_rate,4.77,1.49,False,False,False,False,False,0.768,49.7,44.7,super_preferred_longevity,87.1,baseline,1.123,0.621,False,,False,,99025.47,9530.33,9823.74,10557.76,2507.47,False,0,-1.28,-20.0
LI-2024-INS004-004541,2004-04-15,14,29,43,1975,female,never_smoker,29.5,67,188,DE,USA,single,bachelors,heavy_blue_collar,64428.82,0.8273,accelerated_UW,124,81,204,59,3.46,100,,False,75.1,,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,standard_plus,1.38,,False,False,False,True,14,UW-181,0.92,universal_life,250000,monthly,864.22,,10yr_declining,965.29,,,False,none,captive_agent,False,False,False,0.002537,0.002222,SOA_2015_VBT,SOA_Scale_MP2023,0.996,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0415,False,normal_rate,1.52,1.56,False,False,False,False,False,0.855,68.0,54.0,super_preferred_longevity,100.0,baseline,0.88,0.73,False,,False,,249034.71,7558.04,6056.77,6913.76,1642.02,False,0,0.73,19.98
LI-2024-INS004-004542,2001-12-06,18,47,65,1954,female,former_smoker,25.6,61,135,MT,USA,single,high_school,professional,122433.96,0.3083,full_paramedical,135,80,230,73,3.15,126,5.7,False,73.2,,True,False,False,False,False,none,,pre_diabetes,none,bipolar,0,False,True,False,False,True,substandard_table_4,,4.0,False,False,False,False,42,UW-365,2.0,universal_life,250000,annual,2640.62,,15yr_declining,3235.87,,,False,none,independent_broker,False,False,False,0.017081,0.061854,SOA_2015_VBT,SOA_Scale_MP2023,2.066,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017081,0.012,False,,1.0,False,,,,0.04,0.0581,False,normal_rate,2.87,0.74,False,False,False,False,False,0.768,44.3,30.0,preferred_longevity,62.1,baseline,1.269,0.373,True,74.2,False,,246764.13,19984.66,18750.13,21124.96,5017.18,False,0,3.54,-4.05
LI-2024-INS004-004543,2013-03-08,10,26,36,1987,male,never_smoker,29.8,60,152,LA,USA,single,bachelors,professional,109113.51,0.5508,full_paramedical,112,63,176,55,3.2,87,,False,,,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,51,UW-192,2.0,whole_life,1000000,quarterly,6326.56,,none,5479.52,,,True,facultative,independent_broker,True,False,False,0.00201,0.006842,SOA_2015_VBT,SOA_Scale_MP2023,2.212,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.02,False,,1.0,False,,,,0.02,0.0252,False,normal_rate,4.47,2.95,False,False,False,False,False,0.853,67.9,56.8,super_preferred_longevity,100.0,baseline,1.087,0.578,True,43.7,False,,994520.48,54778.25,48015.69,50612.48,12020.46,False,0,1.06,-6.84
LI-2024-INS004-004544,2017-10-17,2,26,28,1991,male,never_smoker,27.8,72,204,CT,USA,married,high_school,heavy_blue_collar,94547.88,0.7404,limited_exam,97,63,171,39,4.38,83,,False,91.3,,True,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,0.85,4.0,False,False,False,False,17,UW-269,2.0,whole_life,1000000,annual,5285.55,,none,3336.19,,,True,quota_share,captive_agent,False,True,False,0.001334,0.004105,SOA_2015_VBT,SOA_Scale_MP2023,2.199,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.022,False,,1.0,False,,,,0.04,0.0443,False,normal_rate,3.7,1.7,False,False,False,False,False,0.972,69.4,55.0,super_preferred_longevity,100.0,baseline,0.945,0.613,False,,False,,996663.81,44199.47,37221.0,42284.4,10042.54,False,0,0.79,1.14
LI-2024-INS004-004545,2012-12-20,8,44,52,1968,female,never_smoker,23.4,60,119,ID,USA,single,graduate,light_blue_collar,23105.27,0.4529,full_paramedical,121,82,230,58,3.97,128,8.1,False,73.1,,False,False,False,False,False,none,,type_2,none,substance_use_disorder,3,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,33,UW-423,2.25,term_life,500000,annual,4849.36,10.0,none,,,,False,none,bank,False,False,False,0.005027,0.019503,SOA_2015_VBT,SOA_Scale_MP2023,2.266,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006284,0.015,False,,1.0,False,,,,0.05,0.0669,False,normal_rate,4.48,0.51,False,False,False,False,False,0.971,50.2,42.2,super_preferred_longevity,82.6,baseline,1.16,0.466,False,,False,,500000.0,40993.16,36037.96,38794.88,9213.78,False,0,-0.63,-11.8
LI-2024-INS004-004546,2019-02-19,1,40,41,1979,female,current_smoker,22.0,67,140,ME,USA,married,bachelors,heavy_blue_collar,54175.42,0.6645,non_med_guaranteed,134,86,146,50,2.92,85,,True,108.2,,True,False,False,False,False,none,,none,none,none,30,False,False,False,True,True,substandard_table_3,1.16,3.0,False,False,False,False,44,UW-124,1.75,term_life,250000,semi_annual,1364.0,15.0,none,,,,True,facultative,employer_group,False,False,False,0.004418,0.011602,SOA_2015_VBT,SOA_Scale_MP2023,1.873,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003314,0.018,False,,1.0,False,,,,0.1,0.1402,False,normal_rate,4.84,0.85,False,False,False,False,False,0.783,56.9,55.0,super_preferred_longevity,100.0,baseline,1.002,0.695,False,,False,,250000.0,11483.67,9478.8,10912.0,2591.6,False,0,-1.39,-1.77
LI-2024-INS004-004547,2016-11-23,7,32,39,1984,male,former_smoker,31.7,66,196,WV,USA,married,high_school,professional,33548.76,0.454,full_paramedical,112,78,263,56,4.7,108,,False,101.2,,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,preferred,,,False,False,False,False,9,UW-488,0.83,term_life,2000000,monthly,5109.53,30.0,none,,,,True,quota_share,independent_broker,False,False,False,0.003145,0.003001,SOA_2015_VBT,SOA_Scale_MP2023,0.823,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0668,False,normal_rate,5.76,2.23,False,False,False,False,False,0.852,61.0,54.0,super_preferred_longevity,100.0,baseline,1.159,0.325,False,,False,,2000000.0,40251.85,41905.23,40876.24,9708.11,False,0,3.05,29.73
LI-2024-INS004-004548,2002-05-13,3,43,46,1959,female,never_smoker,23.8,58,113,ND,USA,widowed,some_college,white_collar,40313.82,0.6086,full_paramedical,129,89,152,55,2.76,74,4.7,False,98.0,,False,False,False,False,False,none,,none,none,none,10,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-363,1.25,term_life,2000000,annual,10184.77,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.002934,0.004815,SOA_2015_VBT,SOA_Scale_MP2023,1.333,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000734,0.012,False,,1.0,False,,,,0.07,0.0849,False,normal_rate,5.89,0.85,False,False,False,False,False,0.771,50.2,47.2,super_preferred_longevity,92.4,baseline,1.044,0.32,False,,False,,2000000.0,77112.58,81991.95,81478.16,19351.06,False,0,6.67,6.83
LI-2024-INS004-004549,2016-06-17,5,18,23,1998,male,never_smoker,22.2,63,125,MD,USA,married,graduate,professional,152394.76,0.3279,non_med_guaranteed,96,61,145,33,4.39,85,,False,100.4,,True,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-405,2.25,term_life,500000,monthly,1924.31,20.0,none,,,,False,none,independent_broker,False,False,False,0.001103,0.004802,SOA_2015_VBT,SOA_Scale_MP2023,2.476,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001378,0.022,False,,1.0,False,,,,0.07,0.1006,False,normal_rate,3.44,2.6,False,False,False,False,False,0.963,70.0,55.0,super_preferred_longevity,99.9,baseline,1.254,0.313,False,,False,,500000.0,16927.34,14808.2,15394.48,3656.19,False,0,4.22,-10.0
LI-2024-INS004-004550,2021-07-27,3,34,37,1987,male,never_smoker,30.0,72,220,ID,USA,single,some_college,heavy_blue_collar,75712.37,0.497,non_med_guaranteed,110,59,166,47,3.53,81,5.7,False,96.5,,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,0.53,1.0,False,False,False,False,24,UW-450,1.25,term_life,250000,monthly,1035.56,20.0,none,,,,False,none,employer_group,True,False,False,0.002134,0.008467,SOA_2015_VBT,SOA_Scale_MP2023,1.384,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.02,True,0.0046,1.0,False,,,,0.07,0.1094,False,normal_rate,5.3,1.39,False,False,False,False,True,0.988,59.6,55.0,super_preferred_longevity,100.0,baseline,1.127,0.579,False,,False,,250000.0,7888.43,8209.55,8284.48,1967.56,False,0,4.03,8.97
LI-2024-INS004-004551,2001-08-02,8,41,49,1960,male,never_smoker,28.1,61,148,AK,USA,single,bachelors,white_collar,20000.0,0.842,full_paramedical,112,66,212,52,4.08,102,5.0,False,98.5,1.29,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,True,True,preferred_plus,,,False,False,False,False,44,UW-378,0.7,term_life,1000000,annual,2662.48,25.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.004595,0.002726,SOA_2015_VBT,SOA_Scale_MP2023,0.683,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,True,2025-12-05,non_payment,8.0,0.05,0.0718,False,normal_rate,2.86,2.35,False,False,False,False,False,0.878,49.6,46.2,super_preferred_longevity,94.4,baseline,0.869,0.807,True,66.5,False,,1000000.0,20947.04,19367.11,21299.84,5058.71,False,0,8.22,25.82
LI-2024-INS004-004552,2011-07-24,1,72,73,1939,female,never_smoker,25.4,64,148,OH,USA,married,some_college,heavy_blue_collar,185773.0,0.5681,accelerated_UW,147,90,200,64,3.12,90,,False,86.4,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,0.65,2.0,False,False,False,True,7,UW-264,1.5,whole_life,5000000,annual,44243.87,,none,27476.5,,,True,none,worksite,True,False,False,0.026447,0.058723,SOA_2015_VBT,SOA_Scale_MP2023,1.602,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013223,0.005,False,,1.0,False,,,,0.06,0.0747,False,normal_rate,3.48,2.38,False,False,False,False,False,0.877,17.5,19.0,standard_longevity,49.5,baseline,1.074,0.417,True,77.5,False,,4972523.5,318782.75,297056.24,336253.41,87602.86,False,0,3.09,4.54
LI-2024-INS004-004553,2021-08-15,3,53,56,1968,male,never_smoker,36.0,62,196,MI,USA,married,high_school,hazardous,35061.09,0.2703,non_med_guaranteed,138,87,230,27,8.52,89,5.7,False,,2.25,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_3,3.74,3.0,True,False,False,False,7,UW-234,1.75,whole_life,1000000,annual,9135.77,,none,6363.98,,,True,facultative,independent_broker,False,False,False,0.008719,0.032124,SOA_2015_VBT,SOA_Scale_MP2023,1.999,other,True,2023-12-16,False,False,1658226.87,0.0007,5e-05,1.095,0.006539,0.015,True,0.00298,1.0,False,,,,0.04,0.0831,False,normal_rate,4.32,2.05,False,False,False,False,False,0.833,36.5,35.9,preferred_longevity,70.4,baseline,1.297,0.221,True,55.6,False,,993636.02,70560.54,66739.5,73086.16,17357.96,False,0,4.14,-5.32
LI-2024-INS004-004554,2015-01-26,10,39,49,1976,male,former_smoker,33.6,65,202,NM,USA,married,high_school,heavy_blue_collar,20000.0,0.5842,limited_exam,116,74,249,51,4.88,78,5.3,False,100.1,4.47,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,True,True,standard,1.46,,False,True,False,False,17,UW-460,1.0,whole_life,500000,quarterly,2235.81,,none,1981.61,,,False,none,bank,False,False,False,0.006443,0.007245,SOA_2015_VBT,SOA_Scale_MP2023,1.059,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.0247,False,normal_rate,1.9,1.02,False,False,False,False,False,0.825,53.2,43.2,super_preferred_longevity,86.1,baseline,1.062,0.65,False,,False,,498018.39,17609.11,18350.12,17886.48,4248.04,False,0,1.11,17.78
LI-2024-INS004-004555,2006-11-27,11,37,48,1969,male,never_smoker,28.5,71,204,UT,USA,married,bachelors,professional,206598.03,0.7232,full_paramedical,128,76,204,40,5.1,103,,False,,0.61,False,False,True,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,29,UW-059,1.0,group_life,5000000,quarterly,21890.89,,none,,,,True,quota_share,captive_agent,False,False,False,0.004587,0.004709,SOA_2015_VBT,SOA_Scale_MP2023,1.072,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.1,0.1121,False,normal_rate,4.48,1.83,False,False,False,False,False,0.76,57.4,51.2,super_preferred_longevity,100.0,baseline,0.958,0.67,True,64.6,False,,5000000.0,192594.13,177553.92,175127.12,41592.69,False,0,3.49,16.61
LI-2024-INS004-004556,2016-11-14,2,36,38,1980,female,never_smoker,20.5,60,104,MT,USA,single,high_school,white_collar,68792.64,0.8211,accelerated_UW,122,78,167,47,3.55,63,4.3,False,108.5,,False,True,False,False,False,none,,none,none,none,2,False,False,False,True,True,preferred_plus,,,False,False,False,True,42,UW-446,0.67,term_life,500000,monthly,984.92,30.0,none,,,,False,none,bank,True,False,False,0.001816,0.000973,SOA_2015_VBT,SOA_Scale_MP2023,0.606,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.07,0.073,False,normal_rate,2.09,2.8,False,False,False,False,False,0.914,61.9,55.0,super_preferred_longevity,100.0,baseline,0.884,0.924,False,,False,,500000.0,7921.38,7907.33,7879.36,1871.35,False,0,7.28,26.65
LI-2024-INS004-004557,2020-10-02,2,42,44,1978,female,unknown,31.9,71,228,FL,USA,married,bachelors,white_collar,42474.55,0.6207,full_paramedical,105,66,243,49,4.96,87,4.4,False,84.2,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard_plus,,,False,False,False,False,16,UW-155,0.98,term_life,500000,monthly,1684.2,20.0,none,,,,False,none,captive_agent,False,False,False,0.003133,0.005543,SOA_2015_VBT,SOA_Scale_MP2023,0.975,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00238,1.0,False,,,,0.07,0.0842,False,normal_rate,2.75,1.72,False,False,False,False,False,0.758,54.6,52.6,super_preferred_longevity,100.0,baseline,1.034,0.522,False,,False,,500000.0,12579.4,13025.59,13473.6,3199.98,False,0,2.98,22.99
LI-2024-INS004-004558,2006-08-18,18,25,43,1981,female,former_smoker,32.5,70,226,IA,USA,divorced,high_school,hazardous,150819.17,0.9282,full_paramedical,144,89,281,40,7.03,113,5.4,False,88.9,,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,4.49,2.0,True,False,False,False,22,UW-190,1.5,whole_life,250000,annual,1309.53,,none,1601.56,,,False,none,independent_broker,False,False,False,0.003298,0.006076,SOA_2015_VBT,SOA_Scale_MP2023,1.67,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001649,0.02,False,,1.0,False,,,,0.015,0.0144,False,normal_rate,2.91,0.97,False,False,False,False,False,0.956,70.0,52.0,super_preferred_longevity,100.0,baseline,0.804,0.899,False,,False,,248398.44,11010.33,10058.23,10476.24,2488.11,False,0,1.72,12.95
LI-2024-INS004-004559,2014-04-15,8,39,47,1975,male,never_smoker,23.3,61,123,MN,USA,married,bachelors,white_collar,24156.83,0.6002,full_paramedical,113,77,230,63,3.65,63,4.8,False,89.2,1.9,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred_plus,,,False,False,False,False,5,UW-389,0.66,term_life,250000,quarterly,651.71,15.0,none,,,,True,facultative,independent_broker,False,False,False,0.004251,0.002731,SOA_2015_VBT,SOA_Scale_MP2023,0.612,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.061,False,normal_rate,2.43,0.71,False,False,False,False,False,0.95,53.1,45.1,super_preferred_longevity,89.2,baseline,1.05,0.626,False,,False,,250000.0,5673.44,5302.58,5213.68,1238.25,False,0,2.37,32.27
LI-2024-INS004-004560,2021-10-23,5,76,81,1945,male,never_smoker,28.0,62,152,KS,USA,married,less_than_hs,professional,143107.53,0.5994,simplified_issue,155,95,191,55,3.47,86,4.7,False,93.1,8.95,True,False,False,True,False,none,,none,none,depression,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,45,UW-282,2.5,annuity_immediate,250000,annual,4065.21,,none,,,,False,none,employer_group,False,False,False,0.064369,0.272654,SOA_2015_VBT,SOA_Scale_MP2023,2.543,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.096554,0.008,True,0.00415,1.0,False,,,,0.005,0.0073,False,normal_rate,2.93,2.41,False,False,False,False,False,0.95,10.8,6.3,sub_standard_longevity,30.9,baseline,1.05,0.541,True,57.8,False,,250000.0,10633.1,10266.46,10244.33,12179.37,False,0,2.61,-13.97
LI-2024-INS004-004561,2023-10-20,1,46,47,1977,male,unknown,21.1,70,146,AK,USA,divorced,high_school,hazardous,24429.77,0.8415,limited_exam,114,68,211,57,3.7,62,4.9,False,,1.72,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,2.72,,True,False,False,False,13,UW-289,0.99,universal_life,250000,quarterly,903.44,,10yr_declining,589.33,,,False,none,captive_agent,False,False,False,0.004888,0.004048,SOA_2015_VBT,SOA_Scale_MP2023,0.953,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.12,0.0554,False,normal_rate,3.59,2.89,False,False,False,False,False,0.978,47.4,51.4,super_preferred_longevity,100.0,baseline,0.869,0.904,True,65.5,False,,249410.67,7728.07,7482.96,7227.52,1716.54,False,0,2.23,18.71
LI-2024-INS004-004562,2016-02-02,8,29,37,1987,male,never_smoker,26.7,73,202,KS,USA,married,high_school,hazardous,143646.98,0.7748,accelerated_UW,110,62,176,57,3.09,95,4.9,False,98.4,,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,3.09,1.0,True,False,False,True,8,UW-171,1.25,universal_life,2000000,annual,6795.03,,15yr_declining,5691.67,,,True,excess_of_loss,bank,False,False,False,0.002134,0.003106,SOA_2015_VBT,SOA_Scale_MP2023,1.312,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.02,False,,1.0,False,,,,0.06,0.0292,False,normal_rate,4.31,2.14,False,False,False,False,False,0.85,65.7,55.0,super_preferred_longevity,100.0,baseline,0.919,0.856,False,,False,,1994308.33,59021.49,53024.87,54360.24,12910.56,False,0,8.86,19.9
LI-2024-INS004-004563,2011-03-25,1,25,26,1986,male,never_smoker,30.5,60,156,ID,USA,married,some_college,hazardous,126254.22,0.4076,non_med_guaranteed,142,79,235,53,4.43,113,5.4,False,,,True,False,False,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,3.45,1.0,True,False,False,False,51,UW-474,1.25,annuity_deferred,1000000,quarterly,2726.0,,none,1806.02,,,True,quota_share,direct_to_consumer,False,False,False,0.001229,0.002498,SOA_2015_VBT,SOA_Scale_MP2023,1.493,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000307,0.02,False,,1.0,False,,,,0.06,0.1154,False,normal_rate,1.28,1.83,False,False,False,False,False,0.979,68.1,55.0,super_preferred_longevity,100.0,baseline,1.194,0.157,False,,False,,998193.98,19941.33,21380.04,21808.0,5179.4,False,0,5.06,12.61
LI-2024-INS004-004564,2024-05-13,1,22,23,2002,female,former_smoker,37.1,59,183,NY,USA,divorced,some_college,light_blue_collar,50410.4,0.5239,simplified_issue,113,72,264,55,4.8,119,5.0,False,85.5,,False,False,False,False,False,none,,none,none,depression,8,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-414,1.5,term_life,500000,monthly,1508.74,30.0,none,,,,False,none,employer_group,False,False,False,0.001147,0.002577,SOA_2015_VBT,SOA_Scale_MP2023,1.578,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000573,0.012,False,,1.0,False,,,,0.1,0.1537,False,normal_rate,4.09,0.57,False,False,False,False,False,0.933,70.0,55.0,super_preferred_longevity,100.0,baseline,1.107,0.615,False,,False,,500000.0,12175.69,11186.52,12069.92,2866.61,False,0,1.19,1.75
LI-2024-INS004-004565,2002-10-07,16,55,71,1947,female,never_smoker,21.7,65,130,NV,USA,married,bachelors,white_collar,251163.91,0.2701,limited_exam,139,89,201,54,3.72,111,,False,74.2,,False,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,45,UW-019,2.5,term_life,500000,quarterly,8125.79,25.0,none,,,,False,none,bank,False,False,False,0.021892,0.104498,SOA_2015_VBT,SOA_Scale_MP2023,2.523,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032838,0.008,False,,1.0,False,,,,0.03,0.0445,False,normal_rate,6.61,2.57,False,False,False,False,False,0.779,34.8,18.8,standard_longevity,44.8,baseline,1.297,0.186,False,,False,,500000.0,62991.81,54732.91,61105.94,16219.08,False,0,-0.62,-20.0
LI-2024-INS004-004566,2012-09-20,3,24,27,1988,male,former_smoker,36.3,63,204,OK,USA,married,graduate,heavy_blue_collar,109833.0,0.6737,full_paramedical,124,63,233,43,5.42,107,5.2,False,107.8,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,False,False,substandard_table_1,0.67,1.0,False,False,False,False,15,UW-061,1.25,whole_life,2000000,monthly,6208.8,,none,4370.31,,,True,none,bank,False,False,False,0.001662,0.002623,SOA_2015_VBT,SOA_Scale_MP2023,1.335,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000416,0.02,False,,1.0,False,,,,0.04,0.0464,False,normal_rate,0.82,0.74,False,False,False,False,False,0.995,70.0,55.0,super_preferred_longevity,100.0,baseline,0.995,0.485,False,,False,,1995629.69,47456.67,49369.45,49670.4,11796.72,False,0,3.18,9.77
LI-2024-INS004-004567,2019-03-15,3,45,48,1974,male,former_smoker,18.4,60,94,KY,USA,married,some_college,white_collar,88060.01,0.7869,limited_exam,112,68,209,51,4.1,98,4.8,False,,1.52,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,,,False,False,False,False,23,UW-098,1.06,universal_life,100000,monthly,469.28,,15yr_declining,342.89,,,True,none,captive_agent,False,False,False,0.005964,0.006316,SOA_2015_VBT,SOA_Scale_MP2023,1.098,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.018,False,,1.0,False,,,,0.08,0.0385,False,normal_rate,3.22,0.55,False,False,False,False,False,0.794,47.7,44.7,super_preferred_longevity,91.4,baseline,0.91,0.912,False,,False,,99657.11,3660.89,3569.67,3754.24,891.63,False,0,4.27,21.06
LI-2024-INS004-004568,2011-04-14,4,50,54,1961,female,never_smoker,27.0,61,142,WI,USA,divorced,some_college,light_blue_collar,29333.53,0.7796,full_paramedical,135,83,204,55,3.71,90,,False,77.0,,False,False,True,False,False,none,,none,none,none,10,False,False,True,False,True,standard,,,False,False,False,False,40,UW-159,1.04,universal_life,250000,monthly,1167.49,,15yr_declining,816.51,,,False,none,captive_agent,False,False,False,0.005567,0.00544,SOA_2015_VBT,SOA_Scale_MP2023,1.024,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000223,0.015,False,,1.0,False,,,,0.08,0.0387,False,normal_rate,1.61,1.06,False,False,False,False,False,0.836,47.5,43.5,super_preferred_longevity,99.4,baseline,0.915,0.696,False,,False,,249183.49,9363.03,9761.27,9339.92,2218.23,False,0,4.31,20.58
LI-2024-INS004-004569,2014-12-05,4,28,32,1986,male,former_smoker,33.6,60,172,LA,USA,single,graduate,light_blue_collar,66214.21,0.3548,non_med_guaranteed,128,93,242,52,4.65,69,5.8,False,,,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-402,2.0,universal_life,500000,semi_annual,3015.65,,15yr_declining,1995.91,,,False,none,independent_broker,False,False,False,0.002095,0.007607,SOA_2015_VBT,SOA_Scale_MP2023,2.133,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002095,0.02,False,,1.0,False,,,,0.08,0.051,False,normal_rate,4.73,1.07,False,False,False,False,False,0.961,64.9,55.0,super_preferred_longevity,100.0,baseline,1.234,0.29,False,,False,,498004.09,22835.81,20942.34,24125.2,5729.73,False,0,1.11,-9.24
LI-2024-INS004-004570,2013-08-26,9,38,47,1975,female,former_smoker,25.8,60,131,UT,USA,married,some_college,light_blue_collar,82380.87,0.9395,full_paramedical,124,86,214,52,4.12,103,6.1,False,84.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,True,False,True,standard,,,False,True,False,False,57,UW-281,1.0,term_life,1000000,monthly,4510.75,30.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.004421,0.003562,SOA_2015_VBT,SOA_Scale_MP2023,1.013,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0474,False,normal_rate,4.76,2.35,False,False,False,False,False,0.801,59.4,50.4,super_preferred_longevity,100.0,baseline,0.795,0.859,False,,False,,1000000.0,37613.28,31376.19,36086.0,8570.42,False,0,4.11,23.5
LI-2024-INS004-004571,2002-12-21,20,34,54,1968,male,current_smoker,22.2,73,168,KS,USA,divorced,high_school,professional,48482.17,0.2317,non_med_guaranteed,114,59,182,73,2.49,60,5.2,True,91.3,2.51,False,False,False,False,False,none,,none,severe_gold_3,anxiety,1,False,False,False,False,False,substandard_table_9,,9.0,False,False,False,False,14,UW-489,3.25,whole_life,100000,annual,1571.39,,none,2138.09,,,False,none,captive_agent,False,False,False,0.014784,0.10375,SOA_2015_VBT,SOA_Scale_MP2023,3.595,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033264,0.015,False,,1.0,False,,,,0.015,0.0227,False,normal_rate,4.69,2.33,False,False,False,False,False,0.828,55.3,35.3,preferred_longevity,68.9,baseline,1.326,0.165,False,,False,,97861.91,13763.19,12941.35,12571.12,2985.64,False,0,-1.42,-20.0
LI-2024-INS004-004572,2014-11-26,12,80,92,1934,non_binary,former_smoker,38.6,65,231,IL,USA,married,some_college,white_collar,29280.04,0.8195,full_paramedical,164,93,239,23,10.39,96,5.1,False,76.0,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,3,UW-230,1.0,whole_life,250000,quarterly,1717.73,,none,1753.82,,,False,none,independent_broker,False,True,False,0.191411,0.16964,SOA_2015_VBT,SOA_Scale_MP2023,1.001,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.015,0.0157,False,normal_rate,2.73,1.39,False,False,False,False,False,0.972,8.8,1.0,standard_longevity,36.3,baseline,0.885,0.723,False,,False,,248246.18,648.02,662.21,687.09,5874.64,False,0,5.23,14.69
LI-2024-INS004-004573,2000-03-04,5,59,64,1941,female,never_smoker,35.8,65,214,AR,USA,married,some_college,heavy_blue_collar,34334.88,0.7062,limited_exam,132,77,222,42,5.29,118,5.3,False,79.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,1.31,,False,True,False,False,9,UW-131,1.0,group_life,500000,annual,2750.98,,none,,,,True,excess_of_loss,employer_group,False,False,False,0.011349,0.011993,SOA_2015_VBT,SOA_Scale_MP2023,1.089,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,True,2026-04-06,non_payment,5.0,0.15,0.2043,False,normal_rate,4.14,0.98,False,False,False,False,False,0.757,31.6,26.6,preferred_longevity,63.0,baseline,0.97,0.718,False,,False,,500000.0,19910.71,22694.74,22007.84,5226.86,False,0,8.31,26.49
LI-2024-INS004-004574,2019-08-12,6,78,84,1941,female,never_smoker,28.1,59,139,MN,USA,married,some_college,heavy_blue_collar,81335.85,0.2137,full_paramedical,164,102,200,31,6.45,91,,False,59.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,0.66,4.0,False,False,False,False,12,UW-297,2.0,annuity_deferred,1000000,monthly,13076.74,,none,10465.34,,,True,quota_share,direct_to_consumer,False,False,False,0.064554,0.248592,SOA_2015_VBT,SOA_Scale_MP2023,2.128,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064554,0.008,False,,1.0,True,2025-07-13,voluntary_surrender,6.0,0.02,0.0428,False,normal_rate,3.37,0.88,False,False,False,False,False,0.914,10.6,4.6,sub_standard_longevity,22.6,baseline,1.34,0.231,False,,False,,989534.66,25493.48,23427.78,24061.2,40956.35,False,0,-0.4,-13.83
LI-2024-INS004-004575,2021-12-27,6,50,56,1971,male,never_smoker,23.2,72,171,VA,USA,married,some_college,light_blue_collar,164534.08,0.815,limited_exam,133,84,224,60,3.73,95,5.4,False,86.7,3.6,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,standard,,,False,False,False,False,10,UW-485,1.06,universal_life,500000,monthly,2734.03,,15yr_declining,2186.33,,,True,none,independent_broker,False,False,False,0.008719,0.009299,SOA_2015_VBT,SOA_Scale_MP2023,1.015,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000523,0.018,True,0.00091,1.0,False,,,,0.06,0.0283,False,normal_rate,1.25,2.63,False,False,False,False,False,0.835,42.3,36.3,preferred_longevity,79.2,baseline,0.889,0.86,False,,False,,497813.67,21441.51,20215.64,21872.24,5194.66,False,0,5.65,21.16
LI-2024-INS004-004576,2018-02-12,4,51,55,1967,male,former_smoker,34.3,74,267,WI,USA,married,graduate,professional,89009.55,0.4217,full_paramedical,125,70,262,40,6.55,135,5.0,False,73.9,3.53,False,False,False,False,False,none,,none,none,anxiety,14,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-098,1.5,whole_life,5000000,annual,31956.35,,none,21480.25,,,True,none,independent_broker,False,False,False,0.010433,0.024087,SOA_2015_VBT,SOA_Scale_MP2023,1.528,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005217,0.015,False,,1.0,False,,,,0.04,0.1813,False,normal_rate,2.1,0.69,False,False,False,True,False,0.87,38.9,36.1,preferred_longevity,73.0,baseline,1.184,0.373,True,44.8,False,,4978519.75,266216.15,244199.61,255650.8,60717.06,False,0,4.44,3.02
LI-2024-INS004-004577,2004-07-20,1,46,47,1958,female,never_smoker,18.0,58,90,MI,USA,married,bachelors,white_collar,229154.64,0.6993,accelerated_UW,93,51,174,55,3.16,87,5.2,False,87.0,,True,True,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,6,UW-319,1.25,universal_life,500000,annual,2363.3,,10yr_declining,1573.86,,,False,none,direct_to_consumer,False,False,False,0.003125,0.004595,SOA_2015_VBT,SOA_Scale_MP2023,1.251,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000781,0.012,False,,1.0,False,,,,0.12,0.0862,False,normal_rate,3.09,1.88,False,False,False,False,False,0.911,47.5,46.5,super_preferred_longevity,92.7,baseline,0.976,0.722,False,,False,,498426.14,18582.27,17452.98,18906.4,4490.27,False,0,5.86,15.15
LI-2024-INS004-004578,2015-12-10,4,79,83,1936,male,former_smoker,33.7,70,235,WV,USA,married,bachelors,white_collar,127334.34,0.7554,full_paramedical,159,98,223,53,4.21,64,5.8,False,83.2,6.37,False,False,False,False,False,none,,none,none,bipolar,4,False,True,False,True,True,substandard_table_4,,4.0,False,False,False,False,46,UW-249,2.0,term_life,500000,quarterly,6486.53,20.0,none,,,,False,none,employer_group,False,False,False,0.100954,0.294326,SOA_2015_VBT,SOA_Scale_MP2023,2.052,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.100954,0.005,False,,1.0,False,,,,0.07,0.092,False,normal_rate,5.27,1.7,False,False,False,False,False,0.86,6.8,3.0,sub_standard_longevity,28.3,baseline,0.933,0.743,True,52.3,False,,500000.0,8479.26,7071.94,7783.84,21146.09,False,0,1.29,-2.49
LI-2024-INS004-004579,2021-10-15,5,25,30,1996,female,never_smoker,30.8,59,152,UT,USA,single,high_school,white_collar,34247.45,0.6221,accelerated_UW,118,77,262,53,4.94,91,5.0,False,88.6,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,True,True,True,substandard_table_4,,4.0,False,False,False,True,49,UW-066,2.0,term_life,500000,monthly,2610.14,20.0,none,,,,False,none,independent_broker,False,False,False,0.001168,0.010599,SOA_2015_VBT,SOA_Scale_MP2023,2.228,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001168,0.022,True,0.00674,1.0,False,,,,0.07,0.0842,False,normal_rate,2.77,2.28,False,False,False,False,False,0.877,70.0,55.0,super_preferred_longevity,100.0,baseline,1.033,0.572,False,,False,,500000.0,22528.44,18756.37,20881.12,4959.27,False,0,4.77,-3.71
LI-2024-INS004-004580,2013-11-25,4,33,37,1980,male,never_smoker,20.4,70,142,KY,USA,divorced,high_school,light_blue_collar,41362.88,0.6726,non_med_guaranteed,99,64,211,51,4.14,108,,False,66.3,,True,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-055,2.25,universal_life,500000,semi_annual,3548.5,,10yr_declining,2490.58,,,False,none,employer_group,True,False,False,0.002134,0.007612,SOA_2015_VBT,SOA_Scale_MP2023,2.327,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002668,0.02,False,,1.0,False,,,,0.08,0.0502,False,normal_rate,2.7,0.99,False,False,False,False,False,0.781,60.3,55.6,super_preferred_longevity,100.0,baseline,0.996,0.7,True,36.7,False,,497509.42,27696.74,24290.23,28388.0,6742.15,False,0,2.74,-11.36
LI-2024-INS004-004581,2001-06-09,7,74,81,1927,male,never_smoker,27.0,72,199,AR,USA,married,some_college,white_collar,151157.59,0.6329,accelerated_UW,124,78,282,30,9.4,88,,False,39.4,10.75,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,51,UW-087,2.5,indexed_ul,500000,annual,7388.73,,10yr_declining,5629.56,,,False,none,employer_group,False,False,False,0.047776,0.203582,SOA_2015_VBT,SOA_Scale_MP2023,2.693,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.071664,0.012,False,,1.0,False,,,,0.06,0.0387,False,normal_rate,3.39,2.81,False,False,False,False,False,0.752,10.5,3.5,sub_standard_longevity,27.2,baseline,1.025,0.697,False,,False,,494370.44,9911.18,8828.94,10344.22,23791.71,False,0,-0.93,-19.9
LI-2024-INS004-004582,2021-06-09,4,34,38,1987,female,never_smoker,20.0,70,139,IL,USA,married,some_college,light_blue_collar,28564.68,0.8147,full_paramedical,114,74,178,65,2.74,68,4.8,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,preferred_plus,,,False,False,False,False,54,UW-472,0.64,term_life,500000,annual,1026.77,10.0,none,,,,False,none,bank,False,False,False,0.001816,0.002201,SOA_2015_VBT,SOA_Scale_MP2023,0.633,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00118,1.0,False,,,,0.07,0.0734,False,normal_rate,3.96,0.86,False,False,False,False,False,0.856,64.9,55.0,super_preferred_longevity,100.0,baseline,0.889,0.69,False,,True,0.713,500000.0,7464.0,7346.3,8214.16,1950.86,False,0,6.58,35.15
LI-2024-INS004-004583,2013-05-21,1,41,42,1972,male,never_smoker,35.6,62,194,AL,USA,married,some_college,white_collar,71457.7,0.3121,full_paramedical,129,79,255,38,6.71,112,5.0,False,82.1,0.98,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,16,UW-161,1.5,term_life,1000000,monthly,5397.24,15.0,none,,,,True,excess_of_loss,independent_broker,True,False,False,0.002957,0.007531,SOA_2015_VBT,SOA_Scale_MP2023,1.617,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.018,False,,1.0,False,,,,0.1,0.145,False,normal_rate,3.52,0.79,False,False,False,False,False,0.958,49.5,48.5,super_preferred_longevity,89.9,baseline,1.266,0.108,False,,False,,1000000.0,43638.97,43939.62,43177.92,10254.76,False,0,3.91,8.31
LI-2024-INS004-004584,2014-09-17,1,71,72,1943,male,never_smoker,32.0,76,262,OK,USA,married,bachelors,white_collar,108562.9,0.5537,simplified_issue,142,85,281,45,6.24,99,4.7,False,,1.37,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-373,1.5,universal_life,1000000,quarterly,9461.74,,10yr_declining,5994.35,,,True,excess_of_loss,bank,False,False,False,0.028919,0.067285,SOA_2015_VBT,SOA_Scale_MP2023,1.684,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01446,0.008,False,,1.0,False,,,,0.12,0.0679,False,normal_rate,4.45,2.11,False,False,False,False,False,0.813,15.3,15.7,standard_longevity,44.4,baseline,1.085,0.513,True,63.0,False,,994005.65,54501.55,62240.77,59419.73,21232.14,False,0,1.85,-0.0
LI-2024-INS004-004585,2009-06-02,16,54,70,1955,female,unknown,23.8,62,130,OH,USA,married,high_school,light_blue_collar,26713.94,0.4714,simplified_issue,139,81,220,58,3.79,82,,False,73.4,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-249,1.25,universal_life,500000,monthly,3541.28,,10yr_declining,4176.05,,,True,quota_share,independent_broker,False,False,False,0.023627,0.040362,SOA_2015_VBT,SOA_Scale_MP2023,1.272,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005907,0.012,False,,1.0,False,,,,0.04,0.0529,False,normal_rate,2.76,2.82,False,False,False,False,False,0.951,38.1,22.1,standard_longevity,52.7,baseline,1.146,0.505,False,,False,,495823.95,28565.87,29701.61,28330.24,6728.43,False,0,2.53,15.58
LI-2024-INS004-004586,2008-11-18,6,23,29,1985,female,never_smoker,16.8,69,113,ND,USA,single,high_school,light_blue_collar,85983.03,0.5847,full_paramedical,93,61,208,62,3.35,60,5.1,False,97.9,,False,False,False,False,False,none,,none,none,bipolar,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-323,2.0,term_life,100000,quarterly,551.51,15.0,none,,,,False,none,independent_broker,False,False,False,0.001115,0.003495,SOA_2015_VBT,SOA_Scale_MP2023,2.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001115,0.02,False,,1.0,False,,,,0.05,0.0616,False,normal_rate,2.9,0.63,False,False,False,False,False,0.848,70.0,64.0,super_preferred_longevity,100.0,baseline,1.061,0.346,True,80.2,False,,100000.0,4620.87,4051.64,4412.08,1047.87,False,0,0.87,-14.77
LI-2024-INS004-004587,2013-04-01,7,35,42,1978,male,never_smoker,24.3,76,199,NJ,USA,widowed,some_college,light_blue_collar,151617.3,0.8424,non_med_guaranteed,129,82,146,61,2.39,83,,False,95.5,1.19,False,False,False,False,False,none,,none,none,anxiety,7,False,False,False,False,False,preferred_plus,,,False,False,False,False,8,UW-351,0.59,term_life,5000000,semi_annual,10658.55,15.0,none,,,,True,none,independent_broker,False,False,False,0.002957,0.001525,SOA_2015_VBT,SOA_Scale_MP2023,0.594,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0513,False,normal_rate,2.37,2.23,False,False,False,False,False,0.792,58.5,51.5,super_preferred_longevity,100.0,baseline,0.868,1.0,False,,False,,5000000.0,78128.95,80091.09,85268.4,20251.24,False,0,4.08,31.74
LI-2024-INS004-004588,2007-09-26,20,33,53,1974,female,former_smoker,22.4,69,151,NH,USA,married,bachelors,heavy_blue_collar,68337.13,0.9683,accelerated_UW,129,69,226,62,3.65,97,4.9,False,97.0,,False,False,True,False,True,other,9.2,none,none,schizophrenia,0,False,True,False,False,True,substandard_table_5,0.99,5.0,False,False,False,True,32,UW-395,2.25,term_life,100000,monthly,998.34,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.007086,0.022131,SOA_2015_VBT,SOA_Scale_MP2023,2.421,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008857,0.018,False,,1.0,False,,,,0.03,0.0389,False,normal_rate,2.52,1.49,False,False,False,False,False,0.977,67.4,44.6,super_preferred_longevity,100.0,baseline,0.774,0.999,True,12.7,False,,100000.0,7312.34,7186.22,7986.72,1896.85,False,0,3.44,-9.75
LI-2024-INS004-004589,2023-05-11,3,72,75,1951,male,never_smoker,21.8,76,179,GA,USA,divorced,graduate,professional,45412.44,0.4073,full_paramedical,119,81,190,50,3.8,91,,False,,6.92,False,False,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-299,1.25,term_life,500000,monthly,4049.46,30.0,none,,,,False,none,captive_agent,False,False,False,0.037877,0.071002,SOA_2015_VBT,SOA_Scale_MP2023,1.36,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009469,0.012,False,,1.0,False,,,,0.07,0.0962,False,normal_rate,3.82,2.0,False,False,False,False,False,0.835,15.2,12.2,standard_longevity,36.9,baseline,1.195,0.428,False,,False,,500000.0,20531.7,18869.27,19761.36,10220.84,False,0,2.19,18.26
LI-2024-INS004-004590,2018-05-13,1,53,54,1965,male,never_smoker,29.8,75,238,KY,USA,married,high_school,professional,44768.77,0.716,full_paramedical,135,92,162,58,2.79,98,,False,77.0,5.53,False,True,False,False,True,lung,7.2,none,none,bipolar,6,False,False,True,False,True,substandard_table_12,,12.0,False,False,False,False,32,UW-111,4.0,universal_life,250000,annual,3982.13,,10yr_declining,2441.89,,,False,none,captive_agent,False,False,False,0.007392,0.059541,SOA_2015_VBT,SOA_Scale_MP2023,5.249,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022176,0.015,False,,1.0,False,,,,0.12,0.0609,False,normal_rate,3.99,0.56,False,False,False,False,False,0.786,37.8,36.8,preferred_longevity,78.4,baseline,0.963,0.674,False,,False,,247558.11,29015.13,33126.75,31857.04,7566.05,False,0,-1.86,-20.0
LI-2024-INS004-004591,2014-04-01,6,43,49,1971,female,unknown,22.1,59,109,PA,USA,married,high_school,heavy_blue_collar,103301.38,0.5652,full_paramedical,131,80,181,66,2.74,86,,False,,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,0.78,4.0,False,False,False,False,7,UW-336,2.0,whole_life,2000000,semi_annual,16584.87,,none,12678.13,,,True,quota_share,independent_broker,False,False,False,0.00456,0.015599,SOA_2015_VBT,SOA_Scale_MP2023,2.25,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00456,0.018,False,,1.0,False,,,,0.02,0.025,False,normal_rate,4.37,0.98,False,False,False,False,False,0.838,52.4,46.4,super_preferred_longevity,90.6,baseline,1.076,0.6,False,,False,,1987321.87,121031.88,131511.08,132678.96,31511.25,False,0,-2.45,-6.71
LI-2024-INS004-004592,2013-09-05,9,37,46,1976,female,never_smoker,32.6,62,178,IL,USA,single,bachelors,light_blue_collar,33040.47,0.7642,limited_exam,102,60,224,48,4.67,92,5.2,False,98.4,,True,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,21,UW-244,1.25,universal_life,250000,quarterly,1156.9,,10yr_declining,1036.73,,,False,none,bank,True,False,False,0.003155,0.004978,SOA_2015_VBT,SOA_Scale_MP2023,1.433,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000789,0.018,False,,1.0,False,,,,0.06,0.0294,False,normal_rate,4.02,2.12,False,False,False,True,False,0.976,59.9,50.9,super_preferred_longevity,100.0,baseline,0.927,0.784,False,,False,,248963.27,9664.48,9233.27,9255.2,2198.11,False,0,1.89,18.36
LI-2024-INS004-004593,2014-07-19,5,64,69,1950,male,never_smoker,23.5,66,145,TN,USA,married,bachelors,white_collar,89437.14,0.6327,full_paramedical,131,78,238,53,4.49,121,,False,,4.72,False,True,True,False,True,colorectal,1.1,none,none,none,8,False,False,False,False,True,standard,,,False,True,False,False,40,UW-011,1.0,term_life,250000,monthly,1267.08,20.0,none,,,,False,none,captive_agent,False,False,False,0.022157,0.02279,SOA_2015_VBT,SOA_Scale_MP2023,1.003,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0836,False,normal_rate,5.36,0.71,False,False,False,False,False,0.833,27.0,22.0,preferred_longevity,65.0,baseline,1.025,0.437,False,,False,,250000.0,10498.51,9252.9,10136.64,2407.45,False,0,3.32,22.54
LI-2024-INS004-004594,2021-07-05,4,42,46,1979,male,never_smoker,30.1,63,169,IL,USA,married,bachelors,professional,42887.76,0.6046,full_paramedical,152,94,210,61,3.44,109,5.2,False,85.6,1.43,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-164,1.5,term_life,250000,semi_annual,1500.64,15.0,none,,,,False,none,independent_broker,False,False,False,0.003943,0.011131,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001972,0.018,True,0.00225,1.0,False,,,,0.07,0.0851,False,normal_rate,3.81,1.83,False,False,False,False,False,0.99,50.7,46.7,super_preferred_longevity,91.6,baseline,1.047,0.567,False,,False,,250000.0,12327.23,11120.68,12005.12,2851.22,False,0,3.22,9.39
LI-2024-INS004-004595,2005-02-07,1,18,19,1987,male,former_smoker,20.6,66,127,NY,USA,single,graduate,white_collar,43157.79,0.6152,non_med_guaranteed,120,91,192,59,3.25,60,,False,,,False,True,False,False,False,none,,none,none,substance_use_disorder,12,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,15,UW-207,2.25,term_life,500000,annual,1755.44,20.0,none,,,,False,none,independent_broker,False,False,False,0.001274,0.004728,SOA_2015_VBT,SOA_Scale_MP2023,2.37,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001592,0.02,False,,1.0,False,,,,0.1,0.1208,False,normal_rate,4.78,2.75,False,False,False,False,False,0.754,70.0,61.8,super_preferred_longevity,100.0,baseline,1.039,0.503,True,70.2,False,,500000.0,14036.7,13503.14,14043.52,3335.34,False,0,1.08,-11.11
LI-2024-INS004-004596,2006-04-07,8,29,37,1977,female,current_smoker,27.0,67,172,OK,USA,married,less_than_hs,white_collar,38409.64,0.779,full_paramedical,123,67,232,46,5.04,99,5.1,True,91.2,,False,False,False,False,False,none,,none,none,depression,3,False,False,False,True,True,substandard_table_3,,3.0,False,False,False,False,36,UW-283,1.75,annuity_deferred,1000000,monthly,4873.95,,none,3970.45,,,True,facultative,bank,False,False,False,0.003415,0.008543,SOA_2015_VBT,SOA_Scale_MP2023,1.913,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002561,0.018,False,,1.0,False,,,,0.02,0.0215,False,normal_rate,4.9,1.12,False,False,False,False,False,0.893,68.1,55.0,super_preferred_longevity,100.0,baseline,0.916,0.8,False,,False,,996029.55,37854.23,36659.8,38991.6,9260.51,False,0,1.67,-1.04
LI-2024-INS004-004597,2000-07-21,3,35,38,1965,female,never_smoker,22.6,69,153,AZ,USA,divorced,graduate,light_blue_collar,24866.53,0.3546,full_paramedical,112,66,199,55,3.62,92,,False,,,True,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,24,UW-253,0.64,universal_life,5000000,quarterly,10920.5,,10yr_declining,7673.82,,,True,coinsurance,captive_agent,False,False,False,0.001816,0.001495,SOA_2015_VBT,SOA_Scale_MP2023,0.667,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.08,0.051,False,normal_rate,4.38,1.08,False,False,False,False,False,0.835,58.4,54.9,super_preferred_longevity,100.0,baseline,1.234,0.409,False,,True,-0.066,4992326.18,80223.89,89287.64,87364.0,20748.95,False,0,3.53,22.36
LI-2024-INS004-004598,2024-04-15,3,74,77,1950,male,never_smoker,30.3,67,193,MS,USA,married,graduate,hazardous,33842.27,0.6307,full_paramedical,157,100,203,52,3.9,108,,False,,8.34,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_2,3.98,2.0,True,False,False,False,16,UW-149,1.5,whole_life,5000000,annual,52728.57,,none,37468.09,,,True,none,bank,False,False,False,0.044558,0.094762,SOA_2015_VBT,SOA_Scale_MP2023,1.584,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.022279,0.012,False,,1.0,False,,,,0.04,0.0478,False,normal_rate,2.9,1.47,False,False,False,False,False,0.972,14.0,11.0,standard_longevity,38.5,baseline,1.027,0.451,False,,False,,4962531.91,238092.32,202830.96,232005.71,138148.85,False,0,6.23,1.32
LI-2024-INS004-004599,2004-07-16,18,21,39,1983,female,current_smoker,27.4,62,149,DE,USA,married,bachelors,professional,66972.55,0.7893,accelerated_UW,139,93,202,25,8.08,70,,True,,,False,False,False,True,False,none,,none,none,schizophrenia,0,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,True,43,UW-120,3.0,term_life,250000,annual,2624.86,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.003871,0.019082,SOA_2015_VBT,SOA_Scale_MP2023,3.226,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007742,0.02,False,,1.0,False,,,,0.03,0.0385,False,normal_rate,4.22,2.54,False,False,False,False,False,0.948,70.0,52.0,super_preferred_longevity,100.0,baseline,0.908,0.932,False,,False,,250000.0,22907.77,18736.01,20998.88,4987.23,False,0,1.84,-20.0
LI-2024-INS004-004600,2022-07-03,2,76,78,1946,female,former_smoker,27.8,71,199,NJ,USA,married,high_school,white_collar,38826.89,0.4149,full_paramedical,149,94,245,74,3.31,110,5.6,False,68.6,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,11,UW-123,1.5,universal_life,2000000,monthly,20845.05,,10yr_declining,14087.72,,,True,excess_of_loss,independent_broker,True,False,False,0.052018,0.125671,SOA_2015_VBT,SOA_Scale_MP2023,1.523,accident,True,2022-09-25,True,True,1402506.58,0.0007,5e-05,1.095,0.026009,0.008,True,0.00548,1.0,False,,,,0.08,0.0493,False,normal_rate,3.69,2.18,False,False,False,False,False,0.926,14.2,12.2,standard_longevity,37.0,baseline,1.189,0.527,False,,False,,1985912.28,103601.12,93673.06,101723.84,52612.91,False,0,4.57,1.02
LI-2024-INS004-004601,2017-05-14,9,60,69,1957,female,never_smoker,20.3,67,129,CT,USA,married,high_school,light_blue_collar,52047.19,0.9009,non_med_guaranteed,110,59,172,55,3.13,102,5.1,False,101.4,,True,False,False,False,False,none,,none,none,depression,1,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,43,UW-095,1.25,term_life,500000,monthly,3929.39,15.0,none,,,,False,none,bank,False,False,False,0.019289,0.028291,SOA_2015_VBT,SOA_Scale_MP2023,1.476,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004822,0.012,False,,1.0,False,,,,0.05,0.049,False,normal_rate,2.59,2.0,False,False,False,False,False,0.886,34.1,26.6,preferred_longevity,65.9,baseline,0.824,0.915,True,51.7,False,,500000.0,31031.27,29013.04,31435.12,7465.84,False,0,3.36,23.15
LI-2024-INS004-004602,2003-11-09,16,56,72,1947,male,former_smoker,24.2,70,168,LA,USA,widowed,some_college,light_blue_collar,42514.96,0.526,simplified_issue,129,74,215,45,4.78,84,5.4,False,79.1,3.42,True,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,,,False,True,False,False,5,UW-297,1.0,term_life,5000000,quarterly,29243.01,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.038822,0.04545,SOA_2015_VBT,SOA_Scale_MP2023,1.059,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0384,False,normal_rate,5.61,0.83,False,False,False,False,False,0.853,30.8,14.8,standard_longevity,42.6,baseline,1.105,0.394,False,,False,,5000000.0,158255.13,161385.64,173118.62,67726.81,False,0,3.85,17.18
LI-2024-INS004-004603,2022-08-18,2,77,79,1945,female,unknown,24.6,67,157,ME,USA,married,bachelors,professional,66544.43,0.9025,full_paramedical,124,76,202,36,5.61,86,4.9,False,76.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,,,False,True,False,False,27,UW-082,1.0,indexed_ul,100000,semi_annual,615.99,,15yr_declining,400.2,,,False,none,independent_broker,False,False,False,0.049794,0.043643,SOA_2015_VBT,SOA_Scale_MP2023,1.018,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00192,1.0,False,,,,0.08,0.0352,False,normal_rate,4.42,0.83,False,False,False,False,False,0.813,15.0,14.1,standard_longevity,47.2,baseline,0.823,0.907,True,59.2,False,,99599.8,3389.72,3180.72,3474.18,1461.13,False,0,2.76,14.57
LI-2024-INS004-004604,2006-05-03,12,32,44,1974,female,never_smoker,31.0,71,222,DE,USA,single,some_college,professional,116431.87,0.6431,full_paramedical,126,79,230,55,4.18,76,5.2,False,84.8,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard_plus,,,False,False,False,False,3,UW-214,0.95,universal_life,1000000,quarterly,3629.16,,10yr_declining,3769.11,,,True,excess_of_loss,captive_agent,False,False,False,0.002724,0.002737,SOA_2015_VBT,SOA_Scale_MP2023,0.987,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0474,False,normal_rate,3.78,2.49,False,False,False,True,False,0.987,64.1,52.1,super_preferred_longevity,100.0,baseline,1.018,0.608,False,,False,,996230.89,30485.97,27239.82,29033.28,6895.4,False,0,3.63,20.65
LI-2024-INS004-004605,2018-04-19,3,22,25,1996,female,current_smoker,29.2,60,149,WY,USA,single,high_school,white_collar,21881.83,0.8361,accelerated_UW,114,85,202,33,6.12,93,5.0,True,95.6,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,True,14,UW-486,2.75,term_life,500000,monthly,3287.99,30.0,none,,,,False,none,worksite,True,False,False,0.001892,0.008224,SOA_2015_VBT,SOA_Scale_MP2023,2.974,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003312,0.022,False,,1.0,False,,,,0.07,0.2239,False,normal_rate,4.48,1.26,False,False,False,True,False,0.866,70.0,55.0,super_preferred_longevity,100.0,baseline,0.873,0.735,False,,False,,500000.0,26383.58,23015.62,26303.92,6247.18,False,0,-0.35,-20.0
LI-2024-INS004-004606,2011-07-13,12,40,52,1971,male,never_smoker,37.7,75,301,VA,USA,single,bachelors,white_collar,34776.92,0.7364,limited_exam,135,82,250,38,6.58,131,5.1,False,60.6,1.82,False,False,False,False,False,none,,none,none,anxiety,11,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,6,UW-309,1.5,term_life,250000,annual,1635.98,25.0,none,,,,False,none,captive_agent,False,False,False,0.006284,0.012427,SOA_2015_VBT,SOA_Scale_MP2023,1.559,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003142,0.018,False,,1.0,False,,,,0.03,0.0333,False,normal_rate,5.28,1.06,False,False,False,False,False,0.859,52.0,46.7,super_preferred_longevity,93.6,baseline,0.948,0.6,True,81.2,False,,250000.0,13992.71,11907.28,13087.84,3108.36,False,0,3.53,7.24
LI-2024-INS004-004607,2004-09-12,5,78,83,1926,female,current_smoker,32.0,65,192,NH,USA,married,bachelors,white_collar,97457.47,0.4022,full_paramedical,138,96,213,50,4.26,99,5.1,True,,,False,False,True,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,14,UW-118,2.75,term_life,2000000,monthly,35011.43,20.0,none,,,,True,none,captive_agent,False,False,False,0.089733,0.457046,SOA_2015_VBT,SOA_Scale_MP2023,2.79,cardiovascular,True,2005-10-27,True,False,304573.71,0.0007,5e-05,1.095,0.157033,0.012,False,,1.0,False,,,,0.07,0.0965,False,normal_rate,5.14,2.87,False,False,False,False,False,0.777,12.5,7.5,standard_longevity,39.8,baseline,1.198,0.407,False,,False,,2000000.0,102612.0,107315.95,105034.29,101533.15,False,0,-1.38,-20.0
LI-2024-INS004-004608,2017-04-12,10,43,53,1974,female,current_smoker,33.7,63,190,DE,USA,married,high_school,professional,47357.73,0.5769,non_med_guaranteed,144,81,205,44,4.66,104,5.3,True,90.6,,True,False,False,True,False,none,,none,mild_gold_1,none,5,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,18,UW-226,3.0,term_life,1000000,annual,12557.16,15.0,none,,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.010901,0.057114,SOA_2015_VBT,SOA_Scale_MP2023,3.035,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021802,0.018,False,,1.0,False,,,,0.05,0.0867,False,normal_rate,4.92,2.91,True,False,False,False,False,0.902,52.8,45.5,super_preferred_longevity,89.4,baseline,1.067,0.532,True,52.8,False,,1000000.0,98956.97,89643.98,100457.28,23858.6,False,0,-0.28,-20.0
LI-2024-INS004-004609,2008-01-10,14,47,61,1961,male,never_smoker,22.5,64,130,NM,USA,single,bachelors,professional,91059.25,0.3802,full_paramedical,115,74,211,56,3.77,95,5.1,False,85.5,3.7,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,preferred_plus,,,False,False,False,False,29,UW-468,0.69,term_life,500000,monthly,1904.97,20.0,none,,,,False,none,independent_broker,False,False,False,0.012514,0.010019,SOA_2015_VBT,SOA_Scale_MP2023,0.659,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.03,0.0419,False,normal_rate,2.73,1.94,False,False,False,False,False,0.867,41.9,27.9,preferred_longevity,60.1,baseline,1.215,0.385,False,,False,,500000.0,15717.7,14979.07,15239.76,3619.44,False,0,7.06,27.91
LI-2024-INS004-004610,2000-11-25,11,19,30,1981,male,never_smoker,33.0,73,249,SC,USA,married,graduate,heavy_blue_collar,97850.53,0.4867,non_med_guaranteed,111,70,161,41,3.93,94,5.4,False,91.0,,True,True,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,0.59,6.0,False,False,False,False,19,UW-457,2.5,universal_life,1000000,semi_annual,6765.81,,10yr_declining,6098.13,,,True,facultative,independent_broker,False,False,False,0.00146,0.006364,SOA_2015_VBT,SOA_Scale_MP2023,2.519,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00219,0.02,False,,1.0,False,,,,0.04,0.1456,True,normal_rate,3.6,1.89,False,False,False,False,False,0.97,70.0,55.0,super_preferred_longevity,100.0,baseline,1.135,0.458,False,,False,,993901.87,51418.12,52158.77,54126.48,12855.04,False,0,-0.09,-19.65
LI-2024-INS004-004611,2021-12-08,3,68,71,1953,male,never_smoker,28.8,61,152,CT,USA,married,bachelors,white_collar,77344.29,0.3783,limited_exam,133,74,274,54,5.07,69,4.8,False,65.9,13.01,False,False,True,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,4,UW-490,1.25,annuity_deferred,100000,annual,689.55,,none,502.1,,,True,excess_of_loss,direct_to_consumer,False,False,False,0.027357,0.066767,SOA_2015_VBT,SOA_Scale_MP2023,1.496,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006839,0.012,True,0.01015,1.0,False,,,,0.04,0.0783,False,normal_rate,1.91,2.67,False,False,False,False,False,0.907,22.4,22.5,preferred_longevity,61.9,baseline,1.216,0.307,True,79.2,False,,99497.9,5810.29,5597.65,5516.4,1310.14,False,0,3.67,12.18
LI-2024-INS004-004612,2005-11-16,7,28,35,1977,male,never_smoker,20.7,66,127,WV,USA,divorced,high_school,white_collar,175327.12,0.8074,full_paramedical,110,80,197,61,3.23,101,5.9,False,84.6,,False,False,False,False,False,none,,none,none,schizophrenia,10,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-212,2.25,term_life,250000,semi_annual,1823.9,10.0,none,,,,True,quota_share,bank,False,False,False,0.001896,0.00656,SOA_2015_VBT,SOA_Scale_MP2023,2.47,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00237,0.018,False,,1.0,False,,,,0.05,0.0527,False,normal_rate,4.58,1.85,False,False,False,False,False,0.927,65.2,55.0,super_preferred_longevity,100.0,baseline,0.894,0.744,False,,False,,250000.0,14932.1,15201.98,14591.2,3465.41,False,0,0.27,-13.72
LI-2024-INS004-004613,2007-03-13,20,61,81,1946,female,never_smoker,22.4,62,122,TX,USA,married,some_college,white_collar,65754.26,0.3219,simplified_issue,132,88,224,46,4.87,86,5.8,False,56.4,,True,False,True,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-260,2.0,whole_life,1000000,monthly,15290.23,,none,20774.59,,,True,facultative,independent_broker,False,False,False,0.051911,0.188653,SOA_2015_VBT,SOA_Scale_MP2023,2.093,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051911,0.008,False,,1.0,False,,,,0.015,0.0216,False,normal_rate,6.07,2.91,True,False,False,True,False,0.995,31.8,14.1,standard_longevity,48.5,baseline,1.259,0.4,True,87.3,False,,979225.41,79750.48,86146.29,86236.9,36268.43,False,0,-0.5,-5.08
LI-2024-INS004-004614,2010-08-01,3,51,54,1959,male,never_smoker,25.4,72,187,TN,USA,single,graduate,professional,44611.7,0.537,full_paramedical,118,76,248,56,4.43,87,,False,,1.97,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,20,UW-149,1.0,term_life,1000000,quarterly,4841.17,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.006875,0.007703,SOA_2015_VBT,SOA_Scale_MP2023,1.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.0889,False,normal_rate,5.29,0.57,False,False,False,False,False,0.864,38.0,35.0,preferred_longevity,73.1,baseline,1.097,0.623,False,,False,,1000000.0,35842.46,38954.14,38729.36,9198.22,False,0,3.98,12.42
LI-2024-INS004-004615,2018-10-25,5,77,82,1941,female,never_smoker,27.0,66,167,OR,USA,married,some_college,white_collar,50065.12,0.7379,accelerated_UW,137,79,234,58,4.03,115,,False,68.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,True,7,UW-432,1.0,term_life,500000,semi_annual,3767.24,30.0,none,,,,False,none,captive_agent,False,False,False,0.054364,0.056399,SOA_2015_VBT,SOA_Scale_MP2023,1.096,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.07,0.0777,False,normal_rate,1.75,0.71,False,False,False,False,False,0.771,13.7,8.7,standard_longevity,36.6,baseline,0.947,0.778,False,,False,,500000.0,13537.76,11440.38,13110.0,10563.34,False,0,2.65,19.43
LI-2024-INS004-004616,2016-04-27,10,34,44,1982,female,never_smoker,31.4,64,182,GA,USA,married,bachelors,white_collar,47233.33,0.213,full_paramedical,128,85,177,47,3.77,137,4.7,False,,,True,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,26,UW-184,0.82,term_life,1000000,quarterly,2660.23,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.002724,0.002859,SOA_2015_VBT,SOA_Scale_MP2023,0.783,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,True,2025-08-02,non_payment,10.0,0.05,0.0765,False,normal_rate,1.78,2.36,True,False,False,False,False,0.894,61.8,54.9,super_preferred_longevity,98.0,baseline,1.34,0.173,True,52.1,False,,1000000.0,23008.82,19819.57,21281.84,5054.44,False,0,3.05,16.38
LI-2024-INS004-004617,2023-10-07,3,59,62,1964,non_binary,former_smoker,16.8,74,131,NE,USA,widowed,high_school,white_collar,341386.49,0.0621,full_paramedical,111,72,160,41,3.9,80,,False,46.4,,False,False,False,False,False,none,,none,none,bipolar,3,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-401,2.0,universal_life,250000,monthly,2971.61,,15yr_declining,2151.02,,,False,none,employer_group,False,False,False,0.01669,0.070567,SOA_2015_VBT,SOA_Scale_MP2023,2.221,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01669,0.015,False,,1.0,False,,,,0.08,0.0998,False,normal_rate,2.45,2.16,False,False,False,False,False,0.812,29.0,26.0,standard_longevity,52.4,baseline,1.453,0.069,False,,False,,247848.98,23960.57,22820.36,23772.88,5646.06,False,0,1.25,-12.38
LI-2024-INS004-004618,2002-02-07,12,45,57,1957,male,current_smoker,28.1,73,212,SC,USA,widowed,some_college,white_collar,25968.45,0.7206,accelerated_UW,125,81,264,54,4.89,100,,True,61.5,4.36,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,True,28,UW-457,2.75,whole_life,100000,monthly,1133.05,,none,1122.69,,,True,none,captive_agent,False,False,False,0.017209,0.076269,SOA_2015_VBT,SOA_Scale_MP2023,2.795,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.030116,0.012,False,,1.0,False,,,,0.015,0.0169,False,normal_rate,2.25,0.9,False,False,False,False,False,0.986,44.4,32.4,preferred_longevity,71.9,baseline,0.96,0.673,False,,False,,98877.31,8926.67,9388.68,9064.4,2152.79,False,0,0.24,-20.0
LI-2024-INS004-004619,2020-09-05,2,39,41,1981,male,current_smoker,30.2,69,204,AR,USA,married,bachelors,white_collar,43260.6,0.9758,full_paramedical,139,94,222,57,3.89,89,4.9,True,107.3,0.73,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-058,2.0,term_life,2000000,semi_annual,15344.23,20.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.005523,0.014385,SOA_2015_VBT,SOA_Scale_MP2023,2.089,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005523,0.02,True,0.0,1.0,False,,,,0.07,0.0644,False,normal_rate,4.93,2.22,False,False,False,False,False,0.916,55.7,58.0,super_preferred_longevity,100.0,baseline,0.768,1.0,True,58.0,False,,2000000.0,116979.58,126992.13,122753.84,29154.04,False,0,0.26,-9.94
LI-2024-INS004-004620,2013-05-22,4,40,44,1973,female,never_smoker,24.1,68,158,NM,USA,divorced,high_school,light_blue_collar,50362.53,0.9541,simplified_issue,114,68,268,52,5.15,63,5.5,False,,,False,False,False,False,False,none,,none,none,depression,5,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,60,UW-452,1.25,term_life,500000,annual,2094.97,20.0,none,,,,False,none,captive_agent,False,False,False,0.002724,0.003455,SOA_2015_VBT,SOA_Scale_MP2023,1.298,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000681,0.018,False,,1.0,False,,,,0.07,0.2334,False,normal_rate,4.32,1.84,False,False,False,True,False,0.998,57.2,59.9,super_preferred_longevity,100.0,baseline,0.784,0.917,True,70.7,False,,500000.0,15104.82,16083.46,16759.76,3980.44,False,0,3.98,18.21
LI-2024-INS004-004621,2011-09-20,12,34,46,1977,female,former_smoker,29.4,67,188,OH,USA,married,graduate,white_collar,64340.05,0.3596,full_paramedical,118,75,194,43,4.51,69,5.6,False,73.8,,False,True,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-270,2.0,whole_life,1000000,annual,7216.95,,none,7048.33,,,True,none,employer_group,False,False,False,0.004101,0.015398,SOA_2015_VBT,SOA_Scale_MP2023,2.239,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004101,0.018,False,,1.0,False,,,,0.015,0.0254,False,normal_rate,3.57,2.36,False,False,False,False,False,0.893,61.4,49.4,super_preferred_longevity,92.0,baseline,1.23,0.369,False,,False,,992951.67,60837.47,59617.32,57735.6,13712.2,False,0,1.87,-3.9
LI-2024-INS004-004622,2018-10-09,4,55,59,1963,male,never_smoker,30.6,67,195,LA,USA,married,high_school,professional,24638.74,0.7008,full_paramedical,148,88,156,39,4.0,96,,False,,2.98,False,True,False,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,15,UW-017,2.0,term_life,1000000,quarterly,10632.38,25.0,none,,,,True,quota_share,worksite,False,False,False,0.010881,0.033156,SOA_2015_VBT,SOA_Scale_MP2023,2.101,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010881,0.015,False,,1.0,False,,,,0.07,0.0798,False,normal_rate,3.93,0.58,False,False,False,False,False,0.843,35.5,31.5,preferred_longevity,70.3,baseline,0.974,0.762,False,,False,,1000000.0,91906.8,86238.67,85059.04,20201.52,False,0,1.41,-1.15
LI-2024-INS004-004623,2006-01-28,3,57,60,1949,non_binary,never_smoker,43.0,66,266,MS,USA,married,graduate,white_collar,85729.22,0.6025,accelerated_UW,156,81,229,21,10.9,134,4.6,False,70.5,,False,False,False,False,True,lymphoma,2.7,none,none,bipolar,0,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,True,51,UW-398,4.0,universal_life,500000,quarterly,11247.18,,15yr_declining,7465.75,,,False,none,independent_broker,False,False,False,0.009662,0.086983,SOA_2015_VBT,SOA_Scale_MP2023,5.727,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.028986,0.008,False,,1.0,False,,,,0.08,0.0438,False,normal_rate,2.7,1.9,False,False,False,False,False,0.808,30.4,27.4,preferred_longevity,62.6,baseline,1.048,0.393,False,,False,,492534.25,92861.7,77045.4,89977.44,21369.64,False,0,-1.66,-20.0
LI-2024-INS004-004624,2020-01-13,6,48,54,1972,female,never_smoker,23.8,71,170,MS,USA,married,bachelors,professional,94691.14,0.5487,accelerated_UW,112,68,238,48,4.96,71,5.6,False,80.2,,False,False,True,False,False,none,,none,none,schizophrenia,18,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,9,UW-375,2.25,term_life,250000,monthly,2297.95,30.0,none,,,,True,quota_share,independent_broker,False,False,False,0.005914,0.022692,SOA_2015_VBT,SOA_Scale_MP2023,2.377,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007392,0.018,True,0.0,1.0,False,,,,0.05,0.0631,False,normal_rate,2.4,1.58,False,False,False,False,False,0.829,50.4,45.6,super_preferred_longevity,99.1,baseline,1.088,0.51,True,47.8,True,-0.501,250000.0,18019.95,18845.23,18383.6,4366.1,False,0,1.78,-16.5
LI-2024-INS004-004625,2001-07-24,13,48,61,1953,male,former_smoker,31.1,64,181,TN,USA,divorced,high_school,light_blue_collar,84817.62,0.1338,full_paramedical,142,91,172,59,2.92,89,,False,73.6,2.84,False,False,False,False,False,none,,none,none,schizophrenia,8,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,40,UW-118,2.25,universal_life,250000,monthly,3067.65,,10yr_declining,3311.97,,,True,quota_share,captive_agent,False,False,False,0.014952,0.070274,SOA_2015_VBT,SOA_Scale_MP2023,2.465,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018689,0.012,False,,1.0,False,,,,0.04,0.0637,False,normal_rate,3.47,2.41,False,False,False,False,False,0.828,38.4,25.4,standard_longevity,52.6,baseline,1.4,0.111,False,,False,,246688.03,22938.95,22889.56,24541.2,5828.53,False,0,-2.05,-18.43
LI-2024-INS004-004626,2008-04-12,19,79,98,1929,male,former_smoker,30.4,71,217,KS,USA,married,bachelors,professional,27550.58,0.1162,simplified_issue,146,97,192,55,3.49,103,,False,66.5,10.78,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,standard,,,False,True,False,False,30,UW-134,1.0,whole_life,1000000,quarterly,9266.88,,none,12689.86,,,True,quota_share,employer_group,False,False,False,0.257462,0.377942,SOA_2015_VBT,SOA_Scale_MP2023,1.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.015,0.0289,False,normal_rate,3.05,0.67,False,False,False,False,False,0.859,5.0,1.0,sub_standard_longevity,15.7,baseline,1.413,0.043,False,,False,,987310.14,3443.85,3524.63,3706.75,31692.73,False,0,3.29,19.09
LI-2024-INS004-004627,2019-02-07,4,45,49,1974,female,never_smoker,23.5,62,128,WY,USA,married,some_college,white_collar,20000.0,0.4378,non_med_guaranteed,117,75,196,56,3.5,77,5.5,False,90.0,,True,False,False,False,False,none,,none,none,bipolar,4,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-164,2.0,indexed_ul,500000,quarterly,3858.53,,10yr_declining,2847.54,,,False,none,employer_group,False,False,False,0.003965,0.013664,SOA_2015_VBT,SOA_Scale_MP2023,2.088,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003965,0.018,False,,1.0,False,,,,0.08,0.0583,False,normal_rate,3.9,1.06,False,False,False,False,False,0.856,50.3,56.9,super_preferred_longevity,100.0,baseline,1.172,0.585,True,95.5,False,,497152.46,29282.81,27788.88,30868.24,7331.21,False,0,-1.95,-6.55
LI-2024-INS004-004628,2010-11-14,7,53,60,1957,female,never_smoker,38.3,63,216,AK,USA,divorced,bachelors,white_collar,48356.93,0.7077,full_paramedical,126,75,230,47,4.89,98,8.6,False,77.3,,False,False,False,True,False,none,,type_2,none,substance_use_disorder,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,57,UW-124,2.5,term_life,500000,monthly,7000.0,25.0,none,,,,False,none,captive_agent,False,False,False,0.008867,0.034846,SOA_2015_VBT,SOA_Scale_MP2023,2.507,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013301,0.012,False,,1.0,True,2025-11-24,non_payment,7.0,0.05,0.0567,False,normal_rate,2.25,1.38,False,False,False,False,False,0.801,40.3,32.6,preferred_longevity,72.0,baseline,0.969,0.771,True,25.9,False,,500000.0,57750.39,54155.45,56000.0,13300.0,False,0,1.97,-15.86
LI-2024-INS004-004629,2017-02-25,5,25,30,1992,male,never_smoker,26.8,69,181,MA,USA,married,graduate,professional,239341.55,0.6353,full_paramedical,123,80,226,44,5.14,109,4.7,False,99.0,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-192,1.25,term_life,250000,monthly,892.34,20.0,none,,,,False,none,captive_agent,False,False,False,0.00146,0.00227,SOA_2015_VBT,SOA_Scale_MP2023,1.275,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000365,0.022,False,,1.0,False,,,,0.07,0.0834,False,normal_rate,5.21,2.22,False,False,False,False,False,0.902,70.0,55.0,super_preferred_longevity,100.0,baseline,1.024,0.547,False,,False,,250000.0,7754.38,6864.96,7138.72,1695.45,False,0,0.57,8.57
LI-2024-INS004-004630,2001-08-05,5,46,51,1955,male,never_smoker,25.4,74,198,ND,USA,married,some_college,professional,82662.82,0.8502,full_paramedical,146,79,190,54,3.52,93,6.1,False,77.9,1.05,False,False,False,False,False,none,,none,none,depression,5,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,30,UW-102,1.5,whole_life,1000000,monthly,6733.87,,none,4677.11,,,True,excess_of_loss,independent_broker,False,False,False,0.005141,0.009961,SOA_2015_VBT,SOA_Scale_MP2023,1.667,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002571,0.012,False,,1.0,False,,,,0.04,0.0408,False,normal_rate,4.8,0.73,False,False,False,False,False,0.812,43.6,39.4,super_preferred_longevity,84.4,baseline,0.862,0.703,True,39.7,False,,995322.89,50300.98,54338.62,53870.96,12794.35,False,0,3.96,8.26
LI-2024-INS004-004631,2006-07-08,15,35,50,1971,female,never_smoker,33.0,61,174,TX,USA,single,bachelors,white_collar,24675.1,0.743,non_med_guaranteed,118,72,209,54,3.87,111,5.5,False,59.6,,False,True,False,False,False,none,,none,none,anxiety,6,False,False,False,True,True,standard_plus,,,False,False,False,False,40,UW-021,0.94,indexed_ul,1000000,monthly,3960.52,,15yr_declining,4626.25,,,True,quota_share,independent_broker,False,False,False,0.004288,0.0038,SOA_2015_VBT,SOA_Scale_MP2023,0.94,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0199,False,normal_rate,5.57,1.92,False,False,False,False,False,0.929,61.1,49.1,super_preferred_longevity,97.3,baseline,0.943,0.558,True,53.4,False,,995373.75,30920.53,30930.32,31684.16,7524.99,False,0,2.73,17.76
LI-2024-INS004-004632,2009-02-23,5,75,80,1934,female,former_smoker,33.1,68,217,NE,USA,married,high_school,light_blue_collar,27305.01,0.8798,full_paramedical,161,87,183,56,3.27,96,5.1,False,90.7,,False,False,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,30,UW-017,2.5,term_life,500000,semi_annual,7593.96,20.0,none,,,,False,none,captive_agent,False,False,False,0.061716,0.226088,SOA_2015_VBT,SOA_Scale_MP2023,2.575,cancer,True,2009-06-29,True,False,1266193.84,0.0007,5e-05,1.095,0.092573,0.005,False,,1.0,False,,,,0.07,0.0697,False,normal_rate,3.29,1.32,False,False,False,False,False,0.751,15.0,10.0,standard_longevity,40.7,baseline,0.84,1.0,False,,False,,500000.0,28732.66,28994.98,30375.84,20503.69,False,0,1.2,-17.77
LI-2024-INS004-004633,2015-11-21,7,66,73,1949,female,former_smoker,18.4,70,128,KY,USA,single,bachelors,hazardous,150931.33,0.9308,full_paramedical,141,88,210,63,3.33,85,,False,45.4,,False,False,False,True,False,none,,none,none,bipolar,4,False,False,False,False,True,substandard_table_6,3.2,6.0,True,False,False,False,41,UW-325,2.5,term_life,1000000,annual,14789.61,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.034443,0.123339,SOA_2015_VBT,SOA_Scale_MP2023,2.595,cancer,True,2020-06-24,False,False,173119.37,0.0007,5e-05,1.095,0.051665,0.008,False,,1.0,False,,,,0.05,0.0478,False,normal_rate,1.47,0.72,False,False,False,False,False,0.803,26.7,19.7,standard_longevity,56.0,baseline,0.802,0.951,False,,False,,1000000.0,112957.44,105030.41,116542.13,28455.21,False,0,0.99,-12.48
LI-2024-INS004-004634,2002-09-28,25,21,46,1981,male,never_smoker,25.3,61,133,NC,USA,single,bachelors,light_blue_collar,56376.84,0.6953,accelerated_UW,121,80,248,53,4.68,102,,False,68.8,1.32,True,False,False,False,True,colorectal,0.8,none,none,none,0,True,False,False,False,True,standard,4.92,,True,True,False,True,26,UW-291,1.0,annuity_immediate,1000000,semi_annual,4344.26,,none,,,,True,none,captive_agent,False,False,False,0.003943,0.004051,SOA_2015_VBT,SOA_Scale_MP2023,1.05,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.32,2.41,False,False,False,False,False,0.839,70.0,45.0,super_preferred_longevity,90.4,baseline,0.979,0.593,False,,False,,1000000.0,33518.36,33367.69,34754.08,8254.09,False,0,6.89,20.09
LI-2024-INS004-004635,2022-06-22,4,80,84,1942,male,never_smoker,29.2,63,164,AZ,USA,widowed,high_school,white_collar,174539.38,0.5735,simplified_issue,150,83,245,27,9.07,84,,False,72.2,3.66,True,False,True,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,16,UW-013,1.75,term_life,1000000,monthly,12629.64,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.081343,0.238951,SOA_2015_VBT,SOA_Scale_MP2023,1.972,neurological,True,2023-09-16,True,True,1150338.84,0.0007,5e-05,1.095,0.061007,0.008,True,0.00633,1.0,False,,,,0.07,0.0869,False,normal_rate,2.92,0.52,False,False,False,False,False,0.852,9.2,6.0,standard_longevity,40.1,baseline,1.07,0.707,True,78.6,False,,1000000.0,27601.08,26464.72,30311.14,38141.51,False,0,2.0,-5.67
LI-2024-INS004-004636,2010-04-19,14,42,56,1968,female,never_smoker,20.3,60,104,WV,USA,married,high_school,professional,20000.0,0.8749,full_paramedical,118,71,211,68,3.1,83,,False,,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,6,UW-197,2.25,indexed_ul,250000,semi_annual,2548.75,,10yr_declining,2648.98,,,True,none,independent_broker,False,False,False,0.006975,0.022249,SOA_2015_VBT,SOA_Scale_MP2023,2.299,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008719,0.015,False,,1.0,False,,,,0.04,0.04,False,normal_rate,2.14,1.88,False,False,False,False,False,0.768,53.9,39.9,super_preferred_longevity,85.5,baseline,0.844,0.83,False,,False,,247351.02,20025.21,19021.62,20390.0,4842.62,False,0,3.09,-14.69
LI-2024-INS004-004637,2018-10-20,3,53,56,1965,female,never_smoker,32.1,58,153,CT,USA,single,bachelors,light_blue_collar,57428.19,0.5772,full_paramedical,129,82,246,47,5.23,92,5.4,False,84.1,,False,False,False,False,True,leukemia,2.9,none,none,none,1,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,25,UW-209,4.0,term_life,500000,quarterly,9177.74,25.0,none,,,,False,none,bank,False,False,False,0.006975,0.061741,SOA_2015_VBT,SOA_Scale_MP2023,5.484,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020924,0.015,False,,1.0,False,,,,0.07,0.0867,False,normal_rate,2.25,0.8,False,False,False,False,False,0.97,41.3,38.3,preferred_longevity,78.6,baseline,1.067,0.73,False,,False,,500000.0,72460.09,68662.39,73421.92,17437.71,False,0,0.47,-20.0
LI-2024-INS004-004638,2006-04-22,19,24,43,1982,female,current_smoker,27.8,72,205,CA,USA,married,bachelors,white_collar,58070.98,0.2735,simplified_issue,107,67,235,53,4.43,91,,True,58.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,20,UW-370,1.0,term_life,1000000,semi_annual,3541.28,20.0,none,,,,True,facultative,employer_group,False,False,False,0.005074,0.007109,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0533,False,normal_rate,3.99,0.98,False,False,False,False,False,0.764,70.0,51.0,super_preferred_longevity,93.1,baseline,1.295,0.321,False,,False,,1000000.0,27748.62,26578.66,28330.24,6728.43,False,0,1.79,13.99
LI-2024-INS004-004639,2017-01-08,8,69,77,1948,male,never_smoker,30.7,67,196,MT,USA,married,graduate,professional,44607.09,0.4585,full_paramedical,132,80,177,56,3.16,123,5.2,False,78.6,4.15,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-193,2.0,annuity_deferred,250000,annual,3494.6,,none,2807.23,,,False,none,bank,False,False,False,0.046587,0.161634,SOA_2015_VBT,SOA_Scale_MP2023,2.136,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.046587,0.008,False,,1.0,False,,,,0.02,0.0267,False,normal_rate,1.37,1.98,False,False,False,False,False,0.976,17.7,9.7,sub_standard_longevity,33.9,baseline,1.156,0.463,False,,False,,247192.77,13876.38,12573.09,13559.05,9519.29,False,0,0.29,-11.45
LI-2024-INS004-004640,2005-06-25,9,42,51,1963,female,current_smoker,34.9,59,172,IA,USA,married,some_college,light_blue_collar,20878.57,0.8806,limited_exam,126,82,202,61,3.31,103,5.1,True,79.5,,False,False,False,False,False,none,,none,severe_gold_3,none,0,False,False,True,True,True,substandard_table_9,,9.0,False,False,False,False,55,UW-335,3.25,term_life,2000000,quarterly,30885.94,15.0,none,,,,True,coinsurance,direct_to_consumer,True,False,False,0.009005,0.048628,SOA_2015_VBT,SOA_Scale_MP2023,3.752,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020262,0.015,False,,1.0,False,,,,0.05,0.0697,False,normal_rate,3.01,2.28,False,False,False,False,False,0.892,53.2,44.2,super_preferred_longevity,92.0,baseline,0.84,0.818,False,,False,,2000000.0,239875.49,240263.67,247087.52,58683.29,False,0,0.35,-20.0
LI-2024-INS004-004641,2023-09-05,2,27,29,1996,female,former_smoker,22.6,60,115,MI,USA,married,some_college,heavy_blue_collar,20000.0,0.6234,non_med_guaranteed,116,72,223,63,3.54,87,5.3,False,93.7,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,1.07,,False,False,False,False,26,UW-198,1.09,term_life,1000000,monthly,2365.72,20.0,none,,,,True,none,worksite,False,False,False,0.00145,0.001723,SOA_2015_VBT,SOA_Scale_MP2023,1.064,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00013,0.022,False,,1.0,False,,,,0.07,0.0841,False,normal_rate,0.74,2.31,False,False,False,False,False,0.979,70.0,55.0,super_preferred_longevity,100.0,baseline,1.032,0.764,False,,False,,1000000.0,20247.52,18900.58,18925.76,4494.87,False,0,3.07,12.55
LI-2024-INS004-004642,2018-12-16,8,73,81,1945,male,never_smoker,18.4,71,131,VA,USA,single,graduate,white_collar,181219.25,0.757,limited_exam,152,79,198,58,3.41,92,5.8,False,65.8,5.39,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-476,1.5,whole_life,500000,monthly,4876.67,,none,4196.38,,,False,none,direct_to_consumer,False,False,False,0.064369,0.123517,SOA_2015_VBT,SOA_Scale_MP2023,1.522,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032185,0.008,False,,1.0,False,,,,0.02,0.0306,False,normal_rate,3.23,1.15,False,False,False,False,False,0.852,17.4,9.4,standard_longevity,48.0,baseline,0.932,0.854,False,,False,,495803.62,18457.74,16255.57,18336.28,13401.09,False,0,4.34,16.9
LI-2024-INS004-004643,2011-06-22,4,42,46,1969,male,current_smoker,20.2,72,148,WA,USA,married,graduate,light_blue_collar,40861.82,0.5545,full_paramedical,111,67,135,59,2.29,87,4.7,True,,1.93,True,False,True,False,False,none,,none,very_severe_gold_4,bipolar,0,False,True,False,False,False,declined,,,False,False,True,False,22,UW-018,7.0,term_life,2000000,semi_annual,48328.27,25.0,none,,,,True,none,captive_agent,False,False,False,0.007886,0.102867,SOA_2015_VBT,SOA_Scale_MP2023,6.497,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.047319,0.015,False,,1.0,False,,,,0.07,0.0879,False,normal_rate,2.86,1.37,False,False,False,False,False,0.867,51.8,47.0,super_preferred_longevity,100.0,baseline,1.084,0.615,True,27.3,False,,2000000.0,405857.26,388797.04,386626.16,91823.71,False,0,-5.0,-20.0
LI-2024-INS004-004644,2013-03-09,12,64,76,1949,male,never_smoker,27.4,69,185,CO,USA,married,graduate,heavy_blue_collar,107599.54,0.7155,full_paramedical,116,59,260,59,4.41,115,5.2,False,93.0,20.0,False,False,False,False,False,none,,none,none,none,4,False,False,True,False,True,preferred_plus,0.67,,False,False,False,False,33,UW-199,0.68,annuity_deferred,100000,quarterly,448.02,,none,446.63,,,False,none,captive_agent,False,True,False,0.043041,0.027947,SOA_2015_VBT,SOA_Scale_MP2023,0.674,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.01,0.0113,False,normal_rate,4.02,2.52,False,False,False,False,False,0.874,23.9,11.9,standard_longevity,41.1,baseline,0.963,0.847,False,,False,,99553.37,1941.37,1947.13,2132.58,1141.55,False,0,7.23,26.86
LI-2024-INS004-004645,2013-03-02,4,20,24,1993,female,current_smoker,28.8,71,206,VT,USA,married,less_than_hs,professional,419918.45,0.4736,full_paramedical,132,89,137,37,3.7,104,,True,95.4,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,False,35,UW-256,2.75,term_life,100000,quarterly,476.43,10.0,none,,,,True,quota_share,captive_agent,False,False,False,0.001825,0.0093,SOA_2015_VBT,SOA_Scale_MP2023,2.922,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003194,0.022,False,,1.0,False,,,,0.07,0.0925,False,normal_rate,1.42,0.7,False,False,False,False,False,0.771,70.0,55.0,super_preferred_longevity,100.0,baseline,1.145,0.695,False,,False,,100000.0,3984.95,3324.0,3811.44,905.22,False,0,3.1,-20.0
LI-2024-INS004-004646,2003-09-25,1,78,79,1925,male,never_smoker,25.2,61,133,KY,USA,married,high_school,white_collar,64577.49,0.1337,limited_exam,135,90,177,66,2.68,71,5.3,False,53.0,20.0,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-109,1.25,term_life,500000,monthly,3857.17,20.0,none,,,,True,facultative,direct_to_consumer,False,False,False,0.039214,0.091587,SOA_2015_VBT,SOA_Scale_MP2023,1.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009803,0.012,False,,1.0,False,,,,0.1,0.3122,False,normal_rate,2.31,2.18,False,False,False,False,False,0.772,5.0,4.0,sub_standard_longevity,20.5,baseline,1.4,0.163,False,,False,,500000.0,5940.97,6271.67,6171.47,12265.8,False,0,1.33,3.46
LI-2024-INS004-004647,2006-05-28,4,35,39,1971,male,never_smoker,28.8,60,147,MS,USA,single,bachelors,hazardous,37921.29,0.539,limited_exam,114,64,196,53,3.7,103,,False,112.8,,False,True,False,False,False,none,,none,none,depression,3,False,False,False,True,True,substandard_table_1,2.81,1.0,True,False,False,False,35,UW-258,1.25,universal_life,1000000,monthly,4364.36,,10yr_declining,3283.68,,,True,facultative,captive_agent,False,False,False,0.002419,0.004194,SOA_2015_VBT,SOA_Scale_MP2023,1.354,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000605,0.018,False,,1.0,False,,,,0.08,0.0457,False,normal_rate,4.2,1.59,False,False,False,False,False,0.846,56.2,52.2,super_preferred_longevity,98.9,baseline,1.096,0.566,False,,False,,996716.32,37801.95,33449.71,34914.88,8292.28,False,0,4.3,9.91
LI-2024-INS004-004648,2023-09-13,1,45,46,1978,male,never_smoker,35.1,73,265,WY,USA,married,bachelors,heavy_blue_collar,150607.57,0.7581,full_paramedical,145,91,246,55,4.47,98,7.1,False,107.3,2.63,False,False,False,False,False,none,,type_2,none,none,0,False,False,False,False,True,substandard_table_2,0.57,2.0,False,False,False,False,31,UW-185,1.5,universal_life,250000,monthly,1585.93,,15yr_declining,928.15,,,True,none,captive_agent,False,False,False,0.003943,0.008234,SOA_2015_VBT,SOA_Scale_MP2023,1.705,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001972,0.018,False,,1.0,False,,,,0.12,0.0591,False,normal_rate,3.81,2.85,False,False,False,False,False,0.835,48.2,47.2,super_preferred_longevity,94.7,baseline,0.931,0.779,False,,False,,249071.85,11859.23,11702.69,12687.44,3013.27,False,0,4.84,8.06
LI-2024-INS004-004649,2023-06-15,1,32,33,1991,female,never_smoker,33.3,60,170,AK,USA,divorced,some_college,heavy_blue_collar,41785.27,0.7655,full_paramedical,107,70,188,23,8.17,104,5.8,False,,,False,True,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_3,1.07,3.0,False,False,False,False,26,UW-240,1.75,group_life,2000000,quarterly,10246.43,,none,,,,True,excess_of_loss,employer_group,False,False,False,0.001358,0.003268,SOA_2015_VBT,SOA_Scale_MP2023,1.789,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001019,0.022,False,,1.0,True,2025-06-05,replacement,1.0,0.18,0.2349,False,normal_rate,4.0,0.6,False,False,True,False,False,0.921,67.5,55.0,super_preferred_longevity,100.0,baseline,0.926,0.73,False,,False,,2000000.0,83211.7,85603.14,81971.44,19468.22,False,0,-0.24,1.42
LI-2024-INS004-004650,2016-04-19,3,49,52,1967,female,former_smoker,31.5,65,189,VA,USA,divorced,high_school,heavy_blue_collar,30383.52,0.2527,full_paramedical,120,72,225,46,4.89,71,,False,88.5,,False,False,False,True,False,none,,none,none,depression,3,False,False,False,False,True,substandard_table_6,0.5,6.0,False,False,False,False,42,UW-045,2.5,term_life,1000000,semi_annual,10676.28,20.0,none,,,,True,quota_share,employer_group,False,False,False,0.006536,0.032483,SOA_2015_VBT,SOA_Scale_MP2023,2.648,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009803,0.015,False,,1.0,False,,,,0.07,0.1761,False,normal_rate,3.47,2.85,False,False,False,False,False,0.824,44.3,41.3,preferred_longevity,78.2,baseline,1.31,0.091,False,,False,,1000000.0,91166.6,83327.59,85410.24,20284.93,False,0,3.2,-20.0
LI-2024-INS004-004651,2017-03-09,1,50,51,1967,female,former_smoker,40.3,71,289,IN,USA,married,bachelors,light_blue_collar,103998.81,0.7218,accelerated_UW,132,78,276,36,7.67,123,5.1,False,99.3,,False,False,False,False,False,none,,none,none,bipolar,13,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,30,UW-326,2.0,term_life,250000,monthly,1878.55,20.0,none,,,,True,none,bank,True,False,False,0.006033,0.0183,SOA_2015_VBT,SOA_Scale_MP2023,2.121,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006033,0.015,False,,1.0,False,,,,0.1,0.1123,False,normal_rate,4.24,2.86,False,False,False,False,False,0.921,45.1,46.8,super_preferred_longevity,93.5,baseline,0.959,0.9,True,52.7,False,,250000.0,15977.7,15223.48,15028.4,3569.24,False,0,2.35,-6.17
LI-2024-INS004-004652,2003-02-08,3,35,38,1968,male,never_smoker,17.6,66,109,SD,USA,married,bachelors,professional,155252.05,0.2248,full_paramedical,97,55,143,43,3.33,104,5.1,False,90.4,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,9,UW-007,2.25,indexed_ul,1000000,monthly,7876.08,,10yr_declining,5020.26,,,True,none,direct_to_consumer,False,False,False,0.00227,0.010135,SOA_2015_VBT,SOA_Scale_MP2023,2.414,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002838,0.015,False,,1.0,False,,,,0.08,0.1073,False,normal_rate,4.05,1.37,False,False,False,False,False,0.836,54.3,51.3,super_preferred_longevity,92.8,baseline,1.331,0.269,False,,False,,994979.74,66320.28,60791.11,63008.64,14964.55,False,0,3.89,-20.0
LI-2024-INS004-004653,2012-05-07,15,66,81,1946,female,never_smoker,30.9,69,209,TX,USA,divorced,bachelors,light_blue_collar,25491.13,0.2701,accelerated_UW,130,66,277,60,4.62,100,5.3,False,81.2,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,True,25,UW-435,0.82,indexed_ul,500000,monthly,2539.85,,15yr_declining,2828.21,,,False,none,captive_agent,False,False,False,0.051911,0.056103,SOA_2015_VBT,SOA_Scale_MP2023,0.833,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.0267,False,normal_rate,3.01,2.85,False,False,False,False,False,0.793,23.6,9.3,sub_standard_longevity,30.5,baseline,1.297,0.251,True,58.9,False,,497171.79,9070.86,8300.29,9448.24,6999.83,False,0,4.05,17.9
LI-2024-INS004-004654,2013-10-07,7,33,40,1980,female,never_smoker,25.8,62,141,IN,USA,single,bachelors,hazardous,146246.29,0.8495,full_paramedical,146,88,176,48,3.67,89,5.1,True,82.4,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,3.75,2.0,True,False,False,False,14,UW-433,1.5,universal_life,100000,annual,517.14,,15yr_declining,405.03,,,False,none,independent_broker,False,False,False,0.004132,0.008042,SOA_2015_VBT,SOA_Scale_MP2023,1.676,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002066,0.02,False,,1.0,False,,,,0.06,0.0276,False,normal_rate,2.95,2.08,False,False,False,False,False,0.885,65.0,55.0,super_preferred_longevity,100.0,baseline,0.863,0.884,False,,False,,99594.97,3993.05,3917.59,4137.12,982.57,False,0,3.63,14.77
LI-2024-INS004-004655,2008-10-05,12,78,90,1930,female,never_smoker,28.8,70,200,VT,USA,divorced,bachelors,heavy_blue_collar,174623.51,0.3708,full_paramedical,151,89,205,35,5.86,89,5.7,False,67.1,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,0.66,2.0,False,False,False,False,23,UW-063,1.5,universal_life,1000000,monthly,12182.74,,10yr_declining,12077.2,8526.5,0.706,True,facultative,bank,False,False,False,0.108891,0.262675,SOA_2015_VBT,SOA_Scale_MP2023,1.565,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054446,0.005,False,,1.0,False,,,,0.04,0.0337,False,normal_rate,5.38,1.77,False,False,False,False,False,0.835,9.4,1.0,sub_standard_longevity,19.6,baseline,1.222,0.307,False,,False,,987922.8,4874.53,4605.81,4873.1,41664.97,False,0,4.08,0.42
LI-2024-INS004-004656,2011-04-10,15,63,78,1948,female,never_smoker,29.2,67,186,AR,USA,married,high_school,light_blue_collar,63563.79,0.2047,full_paramedical,154,96,217,38,5.71,93,6.1,False,64.4,,True,False,False,True,False,none,,none,none,schizophrenia,8,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,39,UW-171,2.5,whole_life,2000000,annual,32353.23,,none,35050.18,,,True,none,captive_agent,False,True,False,0.040662,0.199728,SOA_2015_VBT,SOA_Scale_MP2023,2.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.060992,0.008,False,,1.0,False,,,,0.015,0.023,False,normal_rate,4.05,2.18,False,False,False,False,False,0.94,26.7,12.5,sub_standard_longevity,34.3,baseline,1.346,0.216,True,54.4,False,,1964949.82,172366.88,154514.44,161766.15,80883.07,False,0,-3.89,-20.0
LI-2024-INS004-004657,2012-01-23,11,64,75,1948,female,never_smoker,26.1,69,176,VA,USA,married,some_college,light_blue_collar,40458.52,0.4503,limited_exam,134,82,210,44,4.77,92,,False,70.5,,True,False,True,False,False,none,,none,none,anxiety,2,False,False,False,True,True,preferred,,,False,False,False,False,34,UW-346,0.83,term_life,250000,monthly,1194.27,20.0,none,,,,False,none,captive_agent,False,False,False,0.031302,0.029287,SOA_2015_VBT,SOA_Scale_MP2023,0.805,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.03,0.0402,False,normal_rate,2.22,2.78,False,False,False,False,False,0.813,29.6,18.6,standard_longevity,57.2,baseline,1.162,0.572,False,,False,,250000.0,9265.97,9043.92,8885.37,2402.87,False,0,4.44,23.86
LI-2024-INS004-004658,2010-10-13,14,41,55,1969,female,never_smoker,25.0,68,164,TX,USA,married,some_college,light_blue_collar,71444.04,0.3935,full_paramedical,124,79,184,46,4.0,89,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,17,UW-264,0.59,whole_life,500000,semi_annual,1448.93,,none,1511.63,,,False,none,captive_agent,False,False,False,0.00642,0.004417,SOA_2015_VBT,SOA_Scale_MP2023,0.571,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.015,0.0208,False,normal_rate,3.72,0.85,False,False,False,False,False,0.895,53.1,39.1,preferred_longevity,77.1,baseline,1.205,0.265,False,,False,,498488.37,11347.75,10583.27,11591.44,2752.97,False,0,-0.43,24.69
LI-2024-INS004-004659,2017-05-03,9,54,63,1963,female,never_smoker,28.9,60,148,SD,USA,married,bachelors,light_blue_collar,44963.5,0.3316,full_paramedical,135,92,263,42,6.26,109,6.1,True,84.3,,True,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-426,1.5,indexed_ul,250000,quarterly,1902.5,,10yr_declining,1586.68,,,False,none,captive_agent,False,False,False,0.024499,0.063383,SOA_2015_VBT,SOA_Scale_MP2023,1.668,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012249,0.015,False,,1.0,False,,,,0.06,0.0387,False,normal_rate,3.02,1.01,False,False,False,False,False,0.939,39.0,30.0,preferred_longevity,62.5,baseline,1.251,0.193,False,,False,,248413.32,15232.21,15212.82,15220.0,3614.75,False,0,2.69,3.14
LI-2024-INS004-004660,2009-02-15,12,34,46,1975,male,never_smoker,31.6,75,252,ME,USA,married,graduate,white_collar,83426.22,0.7339,accelerated_UW,134,70,153,32,4.78,95,,False,93.0,1.18,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,9,UW-063,2.25,whole_life,2000000,annual,16992.71,,none,17543.34,,,True,quota_share,captive_agent,False,True,False,0.003943,0.013781,SOA_2015_VBT,SOA_Scale_MP2023,2.364,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004929,0.018,False,,1.0,False,,,,0.015,0.0167,False,normal_rate,2.27,1.4,False,False,False,False,False,0.944,58.6,46.6,super_preferred_longevity,93.4,baseline,0.95,0.674,False,,False,,1982456.66,138045.47,120941.74,135941.68,32286.15,False,0,3.74,-4.17
LI-2024-INS004-004661,2015-04-14,6,18,24,1997,male,never_smoker,17.0,68,112,LA,USA,married,high_school,light_blue_collar,214140.2,0.565,full_paramedical,99,57,212,51,4.16,77,,False,97.2,,False,True,False,False,False,none,,none,none,schizophrenia,2,True,False,False,False,False,substandard_table_5,4.58,5.0,True,False,False,False,24,UW-154,2.25,whole_life,500000,annual,2195.18,,none,1790.24,,,False,none,worksite,True,False,False,0.001141,0.004229,SOA_2015_VBT,SOA_Scale_MP2023,2.283,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001426,0.022,False,,1.0,False,,,,0.02,0.025,False,normal_rate,3.1,2.84,False,False,False,False,False,0.918,70.0,55.0,super_preferred_longevity,100.0,baseline,1.076,0.39,False,,False,,498209.76,17485.51,17321.44,17561.44,4170.84,False,0,1.47,-13.48
LI-2024-INS004-004662,2002-04-02,12,78,90,1924,female,never_smoker,30.4,70,211,LA,USA,married,high_school,heavy_blue_collar,52731.87,0.3416,simplified_issue,141,81,209,44,4.75,97,,False,58.5,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,0.9,1.0,False,False,False,False,23,UW-240,1.25,term_life,1000000,monthly,8372.44,15.0,none,,,,True,quota_share,captive_agent,False,False,False,0.079108,0.149854,SOA_2015_VBT,SOA_Scale_MP2023,1.322,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.019777,0.012,False,,1.0,False,,,,0.03,0.0428,False,normal_rate,3.55,0.89,False,False,False,False,False,0.824,8.9,1.0,sub_standard_longevity,19.1,baseline,1.244,0.391,False,,False,,1000000.0,3192.36,3450.39,3348.98,28633.74,False,0,2.02,7.97
LI-2024-INS004-004663,2017-12-26,7,37,44,1980,female,former_smoker,31.9,67,203,CO,USA,single,high_school,white_collar,50511.78,0.9249,full_paramedical,159,106,193,30,6.43,92,5.6,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,26,UW-402,2.0,term_life,100000,quarterly,727.26,25.0,none,,,,False,none,captive_agent,False,False,False,0.003542,0.009945,SOA_2015_VBT,SOA_Scale_MP2023,2.242,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003542,0.02,False,,1.0,False,,,,0.05,0.048,False,normal_rate,3.26,0.56,False,False,False,False,False,0.783,61.3,54.3,super_preferred_longevity,100.0,baseline,0.806,0.904,False,,False,,100000.0,6371.65,6057.17,5818.08,1381.79,False,0,4.44,-5.1
LI-2024-INS004-004664,2015-11-01,9,44,53,1971,male,never_smoker,32.1,61,169,CO,USA,married,high_school,light_blue_collar,38129.79,0.5065,accelerated_UW,132,77,245,42,5.83,68,4.7,False,72.4,5.07,False,False,False,False,True,colorectal,7.4,none,none,none,2,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,True,48,UW-048,1.25,term_life,500000,quarterly,2767.36,20.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.006813,0.011983,SOA_2015_VBT,SOA_Scale_MP2023,1.347,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001703,0.018,False,,1.0,False,,,,0.05,0.0777,False,normal_rate,3.35,2.0,False,False,False,False,False,0.863,47.1,38.1,preferred_longevity,77.2,baseline,1.12,0.429,False,,False,,500000.0,24036.66,21400.61,22138.88,5257.98,False,0,3.06,10.22
LI-2024-INS004-004665,2001-10-14,26,80,106,1921,male,never_smoker,27.2,65,163,WA,USA,divorced,bachelors,white_collar,78425.86,0.93,full_paramedical,141,89,257,62,4.15,89,6.0,False,,20.0,False,False,False,False,False,none,,none,none,none,16,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-444,1.25,universal_life,100000,monthly,1065.4,,10yr_declining,1919.66,,,False,none,direct_to_consumer,False,False,False,0.311257,0.449493,SOA_2015_VBT,SOA_Scale_MP2023,1.488,cardiovascular,True,2016-11-19,False,False,1855928.08,0.0007,5e-05,1.095,0.077814,0.012,False,,1.0,False,,,,0.04,0.0535,False,normal_rate,2.58,0.66,False,False,False,False,False,0.983,5.0,1.0,sub_standard_longevity,28.0,baseline,0.802,0.771,False,,False,,98080.34,398.49,389.2,426.16,3643.67,False,0,2.23,19.97
LI-2024-INS004-004666,2011-10-10,15,79,94,1932,non_binary,former_smoker,38.2,61,202,VA,USA,single,high_school,white_collar,96732.29,0.4475,full_paramedical,136,74,221,29,7.62,111,5.5,False,,,False,False,False,False,False,none,,none,none,anxiety,9,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,24,UW-485,1.5,term_life,5000000,monthly,56547.08,25.0,none,,,,True,coinsurance,direct_to_consumer,False,False,False,0.222547,0.556456,SOA_2015_VBT,SOA_Scale_MP2023,1.718,cancer,True,2014-06-15,False,False,662810.47,0.0007,5e-05,1.095,0.111274,0.005,False,,1.0,False,,,,0.03,0.0564,False,normal_rate,4.86,1.1,False,False,False,False,False,0.882,5.0,1.0,sub_standard_longevity,20.7,baseline,1.164,0.429,True,47.8,False,,5000000.0,21665.69,19729.17,22618.83,193391.01,False,0,5.84,4.06
LI-2024-INS004-004667,2022-04-21,4,42,46,1980,male,former_smoker,32.5,74,253,LA,USA,married,high_school,hazardous,104089.63,0.9212,non_med_guaranteed,140,79,209,46,4.54,118,5.5,False,75.1,3.2,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,3.25,1.0,True,False,False,False,5,UW-367,1.25,term_life,100000,quarterly,467.18,25.0,none,,,,False,none,captive_agent,False,False,False,0.005126,0.006702,SOA_2015_VBT,SOA_Scale_MP2023,1.307,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001282,0.02,True,0.0,1.0,False,,,,0.07,0.0674,False,normal_rate,2.47,0.77,False,False,False,False,False,0.964,52.3,48.3,super_preferred_longevity,98.8,baseline,0.809,1.0,False,,False,,100000.0,3818.7,3179.21,3737.44,887.64,False,0,-0.58,18.67
LI-2024-INS004-004668,2013-06-02,7,49,56,1964,non_binary,never_smoker,28.2,73,213,TN,USA,divorced,some_college,light_blue_collar,66130.42,0.5224,full_paramedical,108,53,109,46,2.37,84,,False,82.3,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred_plus,,,False,False,False,False,15,UW-438,0.62,term_life,500000,annual,1368.68,30.0,none,,,,False,none,independent_broker,False,False,False,0.007729,0.004908,SOA_2015_VBT,SOA_Scale_MP2023,0.573,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.05,0.0641,False,normal_rate,3.18,0.67,False,False,False,False,False,0.834,40.9,33.9,preferred_longevity,71.2,baseline,1.108,0.598,False,,False,,500000.0,10657.77,11209.06,10949.44,2600.49,False,0,3.97,18.28
LI-2024-INS004-004669,2022-05-08,3,35,38,1987,female,never_smoker,27.1,70,188,OH,USA,widowed,graduate,white_collar,124751.06,0.8835,full_paramedical,99,57,246,55,4.47,98,,False,76.5,,False,False,False,False,False,none,,none,none,anxiety,3,False,False,False,False,False,standard_plus,,,False,False,False,False,19,UW-145,0.91,whole_life,2000000,monthly,5577.93,,none,3667.07,,,True,excess_of_loss,employer_group,False,False,False,0.001816,0.004798,SOA_2015_VBT,SOA_Scale_MP2023,0.982,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.0033,1.0,False,,,,0.04,0.0477,False,normal_rate,1.23,2.97,False,False,False,False,False,0.859,64.2,55.0,super_preferred_longevity,100.0,baseline,0.837,0.849,False,,False,,1996332.93,42650.05,39361.05,44623.44,10598.07,False,0,0.0,26.45
LI-2024-INS004-004670,2023-05-01,1,19,20,2004,female,never_smoker,29.6,71,212,KY,USA,married,some_college,light_blue_collar,34587.62,0.738,accelerated_UW,123,86,137,54,2.54,115,5.3,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,True,7,UW-171,0.77,indexed_ul,500000,monthly,649.67,,10yr_declining,384.6,,,True,none,employer_group,False,False,False,0.000805,0.000638,SOA_2015_VBT,SOA_Scale_MP2023,0.837,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.11,0.0659,False,normal_rate,0.94,1.92,True,False,False,False,False,0.787,70.0,55.0,super_preferred_longevity,100.0,baseline,0.947,0.63,False,,False,,499615.4,4900.06,5393.72,5197.36,1234.37,False,0,6.75,27.13
LI-2024-INS004-004671,2001-10-26,13,43,56,1958,female,never_smoker,30.0,70,209,KS,USA,widowed,bachelors,professional,46375.77,0.559,full_paramedical,158,98,227,30,7.57,120,5.8,False,,,False,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-356,1.5,whole_life,100000,monthly,745.5,,none,736.92,,,False,none,employer_group,False,False,False,0.00641,0.015272,SOA_2015_VBT,SOA_Scale_MP2023,1.742,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003205,0.012,False,,1.0,False,,,,0.015,0.0226,False,normal_rate,4.24,1.97,False,False,False,False,False,0.893,52.9,42.6,super_preferred_longevity,94.8,baseline,1.081,0.468,True,54.4,False,,99263.08,5837.3,6012.06,5964.0,1416.45,False,0,6.65,12.11
LI-2024-INS004-004672,2022-09-08,1,58,59,1964,male,never_smoker,15.8,71,113,KY,USA,single,high_school,professional,118725.09,0.5489,accelerated_UW,140,89,192,50,3.84,81,5.4,False,,1.93,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,declined,,,False,False,True,True,17,UW-454,7.0,universal_life,100000,monthly,3896.94,,10yr_declining,2398.42,,,False,none,independent_broker,False,False,False,0.011046,0.144278,SOA_2015_VBT,SOA_Scale_MP2023,6.488,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.066278,0.015,True,0.0,1.0,False,,,,0.12,0.0681,False,normal_rate,4.12,1.34,False,False,False,False,False,0.806,35.0,34.0,super_preferred_longevity,81.7,baseline,1.088,0.64,False,,False,,97601.58,31403.2,30774.25,31175.52,7404.19,False,0,-5.0,-20.0
LI-2024-INS004-004673,2005-10-21,4,80,84,1925,female,never_smoker,27.4,61,145,KS,USA,single,bachelors,professional,86076.76,0.4244,accelerated_UW,136,84,223,54,4.13,108,,False,71.9,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,23,UW-255,1.25,whole_life,250000,monthly,2018.9,,none,1471.21,,,False,none,independent_broker,False,False,False,0.048297,0.094886,SOA_2015_VBT,SOA_Scale_MP2023,1.451,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012074,0.012,False,,1.0,True,2025-06-06,voluntary_surrender,4.0,0.04,0.0544,False,normal_rate,2.02,1.57,False,False,False,False,False,0.824,7.4,3.4,sub_standard_longevity,24.0,baseline,1.182,0.345,False,,False,,248528.79,2596.19,2852.32,2745.7,6517.01,False,0,2.56,14.1
LI-2024-INS004-004674,2023-04-26,3,48,51,1975,female,never_smoker,27.5,72,202,IA,USA,single,bachelors,professional,20000.0,0.5989,limited_exam,115,68,232,33,7.03,71,,False,94.6,,False,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,11,UW-034,2.0,whole_life,500000,monthly,4539.53,,none,3179.66,,,False,none,employer_group,True,False,False,0.004641,0.015101,SOA_2015_VBT,SOA_Scale_MP2023,2.145,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004641,0.018,False,,1.0,False,,,,0.04,0.0586,False,normal_rate,3.75,2.88,False,False,False,False,True,0.85,48.1,45.1,super_preferred_longevity,89.1,baseline,1.051,0.56,False,,False,,496820.34,39853.05,32862.54,36316.24,8625.11,False,0,2.49,-4.53
LI-2024-INS004-004675,2013-03-07,4,26,30,1987,female,unknown,32.6,62,178,WI,USA,married,graduate,professional,97043.74,0.2886,limited_exam,119,80,184,49,3.76,110,5.2,False,,,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard_plus,,,False,False,False,False,3,UW-054,0.98,annuity_deferred,500000,annual,1276.25,,none,937.05,,,False,none,employer_group,False,False,False,0.001343,0.0017,SOA_2015_VBT,SOA_Scale_MP2023,0.986,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0987,False,normal_rate,2.69,2.74,False,False,False,False,False,0.962,70.0,55.0,super_preferred_longevity,99.3,baseline,1.284,0.212,False,,False,,499062.95,10620.62,9022.97,10210.0,2424.88,False,0,5.18,20.58
LI-2024-INS004-004676,2018-06-22,3,59,62,1959,female,never_smoker,24.0,66,148,AK,USA,divorced,less_than_hs,professional,52767.62,0.7792,full_paramedical,137,80,282,62,4.55,98,,False,,,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,8,UW-035,1.25,term_life,5000000,annual,32674.35,30.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.010776,0.015116,SOA_2015_VBT,SOA_Scale_MP2023,1.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002694,0.012,False,,1.0,False,,,,0.07,0.1055,False,normal_rate,5.02,1.39,False,False,False,False,False,0.822,37.9,34.9,super_preferred_longevity,86.5,baseline,0.916,0.658,False,,False,,5000000.0,262000.0,230852.16,261394.8,62081.26,False,0,0.33,11.6
LI-2024-INS004-004677,2023-07-11,4,30,34,1993,female,never_smoker,22.1,63,124,MD,USA,widowed,bachelors,professional,165202.46,0.7483,accelerated_UW,132,85,211,46,4.59,89,5.2,False,64.8,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,True,5,UW-081,0.8,universal_life,500000,annual,1173.02,,15yr_declining,875.59,,,False,none,independent_broker,False,False,False,0.001434,0.001076,SOA_2015_VBT,SOA_Scale_MP2023,0.799,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.08,0.0396,False,normal_rate,3.93,2.72,False,False,False,False,False,0.902,69.7,55.0,super_preferred_longevity,100.0,baseline,0.939,0.657,False,,False,,499124.41,9999.09,8683.37,9384.16,2228.74,False,0,3.22,22.77
LI-2024-INS004-004678,2016-04-28,3,61,64,1955,female,never_smoker,26.1,58,124,AL,USA,married,graduate,heavy_blue_collar,81783.01,0.7829,full_paramedical,131,85,219,81,2.7,84,5.4,False,79.1,,False,True,False,False,True,breast,2.1,none,none,schizophrenia,7,False,False,False,False,True,substandard_table_5,1.42,5.0,False,False,False,False,28,UW-081,2.25,term_life,250000,semi_annual,2871.05,15.0,none,,,,False,none,employer_group,False,False,False,0.012197,0.042769,SOA_2015_VBT,SOA_Scale_MP2023,2.472,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015246,0.012,False,,1.0,False,,,,0.07,0.0902,False,normal_rate,5.42,2.91,False,False,False,False,False,0.95,32.3,29.3,preferred_longevity,68.2,baseline,0.913,0.737,False,,False,,250000.0,21507.66,20704.99,22968.4,5455.0,False,0,-0.75,0.28
LI-2024-INS004-004679,2004-09-28,5,22,27,1982,female,unknown,23.2,69,156,SD,USA,married,some_college,white_collar,20000.0,0.7769,full_paramedical,109,78,210,78,2.69,125,,False,,,False,False,False,False,False,none,,none,none,anxiety,6,False,False,False,False,False,standard,,,False,False,False,False,3,UW-269,1.01,universal_life,250000,annual,652.73,,10yr_declining,460.22,,,False,none,independent_broker,False,False,False,0.001177,0.001144,SOA_2015_VBT,SOA_Scale_MP2023,1.049,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,1.2e-05,0.02,False,,1.0,False,,,,0.08,0.0388,False,normal_rate,3.43,1.44,False,False,False,False,False,0.866,70.0,55.0,super_preferred_longevity,100.0,baseline,0.917,0.798,False,,False,,249539.78,5137.57,4975.49,5221.84,1240.19,False,0,3.53,20.67
LI-2024-INS004-004680,2004-02-20,4,56,60,1948,male,never_smoker,21.4,67,136,AZ,USA,divorced,some_college,light_blue_collar,84215.93,0.4263,accelerated_UW,133,78,171,55,3.11,76,,False,81.7,2.0,False,False,False,False,True,prostate,8.3,none,none,schizophrenia,4,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,True,23,UW-123,2.25,term_life,250000,monthly,2715.45,20.0,none,,,,False,none,captive_agent,False,False,False,0.01065,0.044271,SOA_2015_VBT,SOA_Scale_MP2023,2.463,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013312,0.008,False,,1.0,False,,,,0.07,0.0951,False,normal_rate,5.03,0.57,False,False,False,False,False,0.817,30.5,26.5,standard_longevity,58.6,baseline,1.18,0.41,False,,False,,250000.0,21601.95,20350.85,21723.6,5159.35,False,0,2.84,-13.05
LI-2024-INS004-004681,2000-09-16,14,46,60,1954,male,never_smoker,29.5,69,199,ND,USA,divorced,high_school,professional,105522.94,0.4925,non_med_guaranteed,149,99,202,46,4.39,95,4.5,False,48.4,2.53,False,True,False,False,False,none,,none,none,none,1,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,55,UW-452,1.5,term_life,5000000,monthly,38132.74,20.0,none,,,,True,quota_share,independent_broker,False,False,False,0.01069,0.026447,SOA_2015_VBT,SOA_Scale_MP2023,1.746,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005345,0.012,False,,1.0,False,,,,0.03,0.0392,False,normal_rate,1.23,2.08,False,False,False,False,False,0.965,42.0,28.0,preferred_longevity,61.9,baseline,1.131,0.49,False,,False,,5000000.0,299808.15,299771.22,305061.92,72452.21,False,0,5.21,8.65
LI-2024-INS004-004682,2015-01-23,3,26,29,1989,female,never_smoker,26.5,58,126,RI,USA,married,high_school,heavy_blue_collar,20000.0,0.9069,simplified_issue,111,61,211,44,4.8,104,5.5,False,97.7,,False,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,1.16,5.0,False,False,False,False,18,UW-046,2.25,annuity_deferred,250000,annual,1406.44,,none,947.83,,,False,none,employer_group,False,False,False,0.001115,0.003492,SOA_2015_VBT,SOA_Scale_MP2023,2.295,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001394,0.02,False,,1.0,False,,,,0.04,0.0468,False,normal_rate,3.65,0.53,False,False,False,False,False,0.952,70.0,55.0,super_preferred_longevity,100.0,baseline,0.82,0.803,False,,False,,249052.17,12275.4,11666.52,11251.52,2672.24,False,0,2.29,-13.71
LI-2024-INS004-004683,2010-07-19,9,19,28,1991,male,never_smoker,25.2,63,142,CA,USA,married,bachelors,white_collar,95968.14,0.1702,limited_exam,145,96,183,51,3.59,60,,False,67.9,,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,26,UW-166,1.5,whole_life,2000000,quarterly,6313.1,,none,5587.35,,,True,quota_share,independent_broker,True,True,False,0.001334,0.003768,SOA_2015_VBT,SOA_Scale_MP2023,1.694,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000667,0.022,False,,1.0,False,,,,0.02,0.0313,False,normal_rate,6.27,0.53,True,True,False,False,False,0.755,70.0,55.0,super_preferred_longevity,100.0,baseline,1.372,0.0,False,,False,,1994412.65,50965.54,47119.61,50504.8,11994.89,False,0,0.4,-1.66
LI-2024-INS004-004684,2012-03-27,3,71,74,1941,male,never_smoker,34.3,68,225,IN,USA,married,some_college,professional,180020.65,0.4493,limited_exam,147,89,157,41,3.83,99,5.2,False,,4.16,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-002,2.25,annuity_deferred,100000,monthly,1251.08,,none,816.2,,,False,none,captive_agent,False,False,False,0.033894,0.13106,SOA_2015_VBT,SOA_Scale_MP2023,2.25,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.042367,0.008,False,,1.0,False,,,,0.04,0.0536,False,normal_rate,3.85,0.53,False,False,False,False,False,0.83,14.6,11.6,standard_longevity,36.6,baseline,1.163,0.473,False,,False,,99183.8,5493.41,5766.95,5805.01,3217.78,False,0,1.54,-12.58
LI-2024-INS004-004685,2018-07-25,6,41,47,1977,male,never_smoker,22.0,63,124,VT,USA,single,bachelors,heavy_blue_collar,20000.0,0.565,simplified_issue,124,77,213,50,4.26,78,,False,66.7,2.18,False,True,False,False,False,none,,none,none,none,9,False,False,False,False,False,preferred_plus,1.22,,False,False,False,False,27,UW-409,0.63,group_life,500000,monthly,1250.9,,none,,,,False,none,employer_group,False,False,False,0.004251,0.003047,SOA_2015_VBT,SOA_Scale_MP2023,0.666,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,True,2026-05-14,non_payment,6.0,0.12,0.1797,False,normal_rate,0.0,2.49,False,False,False,False,False,0.984,51.2,45.2,super_preferred_longevity,88.8,baseline,1.076,0.628,False,,False,,500000.0,10089.0,8989.93,10007.2,2376.71,False,0,4.1,28.19
LI-2024-INS004-004686,2010-08-22,15,64,79,1946,female,never_smoker,17.0,68,111,FL,USA,single,less_than_hs,heavy_blue_collar,23905.2,0.5025,full_paramedical,128,80,163,67,2.43,110,,False,71.8,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred,1.37,,False,False,False,False,28,UW-422,0.81,annuity_deferred,250000,quarterly,1419.43,,none,1547.4,,,False,none,worksite,False,False,False,0.043649,0.039561,SOA_2015_VBT,SOA_Scale_MP2023,0.807,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.01,0.013,False,normal_rate,2.95,1.23,False,False,False,False,False,0.854,26.5,11.9,standard_longevity,37.9,baseline,1.123,0.562,True,43.9,False,,248452.6,6908.63,6681.12,6756.49,3616.71,False,0,3.09,24.5
LI-2024-INS004-004687,2013-04-05,13,24,37,1989,female,never_smoker,34.8,69,235,MT,USA,married,high_school,heavy_blue_collar,21767.6,0.7396,simplified_issue,108,67,200,38,5.26,87,6.0,False,62.0,,True,False,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,1.13,5.0,False,False,False,False,23,UW-288,2.25,universal_life,500000,quarterly,3115.66,,15yr_declining,3149.43,,,False,none,direct_to_consumer,False,False,False,0.001707,0.005906,SOA_2015_VBT,SOA_Scale_MP2023,2.337,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,False,,1.0,False,,,,0.04,0.0279,False,normal_rate,0.91,1.72,False,False,False,False,False,0.786,70.0,55.0,super_preferred_longevity,100.0,baseline,0.945,0.72,False,,False,,496850.57,25896.01,22825.14,24925.28,5919.75,False,0,0.27,-8.4
LI-2024-INS004-004688,2021-02-22,6,38,44,1983,female,never_smoker,23.8,68,156,KY,USA,divorced,high_school,light_blue_collar,57345.28,0.8039,limited_exam,104,71,170,48,3.54,113,5.3,False,,,True,False,False,False,False,none,,none,none,anxiety,0,False,True,False,True,True,preferred,,,False,False,False,False,34,UW-207,0.78,term_life,100000,monthly,289.23,20.0,none,,,,False,none,worksite,False,False,False,0.002724,0.004351,SOA_2015_VBT,SOA_Scale_MP2023,0.806,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00238,1.0,False,,,,0.05,0.0528,False,normal_rate,5.29,2.42,False,False,False,False,False,0.788,60.3,56.8,super_preferred_longevity,100.0,baseline,0.897,1.0,True,47.9,False,,100000.0,2265.21,2119.92,2313.84,549.54,False,0,2.5,33.16
LI-2024-INS004-004689,2002-10-27,2,77,79,1925,male,unknown,27.1,72,199,WI,USA,married,high_school,professional,20000.0,0.4811,full_paramedical,137,87,218,64,3.41,94,,False,,2.46,True,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,16,UW-397,1.25,term_life,500000,monthly,4322.67,15.0,none,,,,False,none,independent_broker,False,False,False,0.045096,0.087356,SOA_2015_VBT,SOA_Scale_MP2023,1.481,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.011274,0.012,False,,1.0,False,,,,0.07,0.0921,False,normal_rate,3.05,1.74,False,False,False,False,False,0.995,9.6,8.7,standard_longevity,42.8,baseline,1.139,0.45,True,75.5,False,,500000.0,15309.26,14893.8,15042.89,12120.77,False,0,2.57,13.51
LI-2024-INS004-004690,2024-03-09,3,33,36,1991,female,never_smoker,29.1,66,180,NV,USA,married,high_school,white_collar,26589.94,0.3623,full_paramedical,107,77,244,46,5.3,109,5.3,False,,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,8,UW-125,2.25,term_life,1000000,monthly,7757.84,20.0,none,,,,True,none,captive_agent,False,False,False,0.001608,0.006672,SOA_2015_VBT,SOA_Scale_MP2023,2.361,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00201,0.022,False,,1.0,False,,,,0.07,0.0987,False,normal_rate,3.82,1.17,False,False,False,False,False,0.993,64.9,66.1,super_preferred_longevity,100.0,baseline,1.228,0.317,True,89.3,False,,1000000.0,62134.09,60667.92,62062.72,14739.9,False,0,2.47,-17.28
LI-2024-INS004-004691,2024-05-17,3,25,28,1999,female,never_smoker,35.7,64,207,ND,USA,married,bachelors,professional,34953.65,0.8274,full_paramedical,127,76,217,33,6.58,118,4.5,False,84.8,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-134,1.5,term_life,100000,monthly,311.19,20.0,none,,,,False,none,captive_agent,False,False,False,0.001067,0.00206,SOA_2015_VBT,SOA_Scale_MP2023,1.627,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000534,0.022,False,,1.0,False,,,,0.07,0.0727,False,normal_rate,5.06,1.7,False,False,False,False,False,0.788,70.0,55.0,super_preferred_longevity,100.0,baseline,0.879,0.968,False,,False,,100000.0,2412.97,2330.23,2489.52,591.26,False,0,0.49,14.15
LI-2024-INS004-004692,2022-04-14,3,19,22,2003,male,never_smoker,29.7,69,201,FL,USA,married,some_college,light_blue_collar,51139.3,0.711,limited_exam,91,56,257,31,8.29,81,,False,84.4,,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,30,UW-018,1.75,universal_life,1000000,quarterly,2789.82,,10yr_declining,1829.19,,,True,excess_of_loss,independent_broker,True,False,False,0.001068,0.003329,SOA_2015_VBT,SOA_Scale_MP2023,1.8,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000801,0.012,True,0.00067,1.0,False,,,,0.08,0.0407,False,normal_rate,3.97,1.48,False,True,False,False,True,0.752,70.0,55.0,super_preferred_longevity,100.0,baseline,0.967,0.639,False,,False,,998170.81,20861.74,23349.49,22318.56,5300.66,False,0,-1.46,0.87
LI-2024-INS004-004693,2007-03-25,9,45,54,1962,female,never_smoker,24.5,59,121,DE,USA,married,bachelors,white_collar,20000.0,0.6965,full_paramedical,133,84,237,39,6.08,103,,False,76.1,,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-322,1.5,term_life,2000000,annual,14992.01,20.0,none,,,,True,coinsurance,employer_group,True,False,False,0.005651,0.012439,SOA_2015_VBT,SOA_Scale_MP2023,1.74,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002826,0.015,False,,1.0,False,,,,0.05,0.0686,False,normal_rate,2.79,1.94,True,False,False,False,False,0.853,49.3,40.3,super_preferred_longevity,83.4,baseline,0.978,0.947,False,,False,,2000000.0,108764.26,111279.75,119936.08,28484.82,False,0,6.07,8.01
LI-2024-INS004-004694,2006-12-06,7,63,70,1943,female,former_smoker,38.2,67,243,MN,USA,married,bachelors,white_collar,67097.84,0.6513,full_paramedical,150,92,173,35,4.94,105,6.1,False,85.3,,False,True,False,False,False,none,,pre_diabetes,none,none,7,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,44,UW-471,1.5,term_life,500000,semi_annual,3862.95,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.025255,0.052172,SOA_2015_VBT,SOA_Scale_MP2023,1.548,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.012627,0.008,False,,1.0,False,,,,0.05,0.0825,False,normal_rate,1.04,1.38,False,False,False,False,False,0.882,27.7,20.7,standard_longevity,53.3,baseline,1.012,0.749,False,,False,,500000.0,27876.08,31258.24,30903.6,7339.6,False,0,1.81,4.71
LI-2024-INS004-004695,2006-05-02,7,55,62,1951,male,never_smoker,25.5,74,198,ME,USA,divorced,graduate,heavy_blue_collar,20000.0,0.3492,accelerated_UW,127,80,212,59,3.59,90,5.0,False,74.7,3.68,False,True,False,False,False,none,,none,none,schizophrenia,10,False,False,False,False,False,substandard_table_5,0.52,5.0,False,False,False,True,10,UW-461,2.25,whole_life,500000,monthly,5541.93,,none,4303.8,,,False,none,direct_to_consumer,True,False,False,0.01223,0.050978,SOA_2015_VBT,SOA_Scale_MP2023,2.357,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015288,0.012,False,,1.0,False,,,,0.02,0.0398,False,normal_rate,1.3,1.0,False,False,False,False,False,0.807,32.0,25.0,standard_longevity,55.2,baseline,1.238,0.359,False,,False,,495696.2,40627.85,39360.07,44335.44,10529.67,False,0,4.04,-14.54
LI-2024-INS004-004696,2009-11-12,10,31,41,1978,male,former_smoker,18.1,73,136,KS,USA,married,high_school,professional,64614.66,0.3054,full_paramedical,134,87,116,52,2.23,99,5.6,False,98.5,1.64,False,False,False,False,False,none,,none,none,anxiety,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-308,1.25,term_life,2000000,semi_annual,7729.4,30.0,none,,,,True,none,captive_agent,False,False,False,0.00359,0.007686,SOA_2015_VBT,SOA_Scale_MP2023,1.488,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000897,0.018,False,,1.0,False,,,,0.05,0.0728,False,normal_rate,4.44,1.09,False,False,False,False,False,0.99,60.4,50.4,super_preferred_longevity,92.7,baseline,1.271,0.322,False,,False,,2000000.0,63009.05,55904.13,61835.2,14685.86,False,0,2.46,17.76
LI-2024-INS004-004697,2017-01-05,5,46,51,1971,male,never_smoker,35.9,65,215,DE,USA,married,bachelors,heavy_blue_collar,94112.58,0.3839,full_paramedical,137,90,225,55,4.09,91,10.1,True,101.1,5.76,False,False,False,False,False,none,,type_2,none,substance_use_disorder,8,False,False,False,False,True,substandard_table_8,0.99,8.0,False,False,False,False,42,UW-299,3.0,universal_life,500000,annual,7285.63,,10yr_declining,5261.27,,,True,quota_share,captive_agent,False,False,False,0.011602,0.071424,SOA_2015_VBT,SOA_Scale_MP2023,3.429,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023204,0.018,False,,1.0,False,,,,0.08,0.0501,False,normal_rate,1.61,0.52,False,True,False,False,False,0.895,44.6,39.6,preferred_longevity,77.7,baseline,1.212,0.384,False,,False,,494738.73,57642.55,57156.24,58285.04,13842.7,False,0,-0.38,-20.0
LI-2024-INS004-004698,2009-02-15,10,27,37,1982,female,never_smoker,20.1,72,148,NV,USA,married,some_college,white_collar,198537.76,0.9355,full_paramedical,128,78,232,63,3.68,91,,False,88.6,,False,True,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,30,UW-468,2.0,term_life,500000,annual,3511.38,15.0,none,,,,True,facultative,bank,False,False,False,0.001707,0.004465,SOA_2015_VBT,SOA_Scale_MP2023,2.023,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001707,0.02,False,,1.0,False,,,,0.05,0.0476,False,normal_rate,3.34,2.68,False,False,False,False,False,0.846,70.0,55.0,super_preferred_longevity,100.0,baseline,0.798,0.708,False,,False,,500000.0,30805.24,25160.6,28091.04,6671.62,False,0,-0.57,0.91
LI-2024-INS004-004699,2005-07-01,19,24,43,1981,male,former_smoker,38.6,72,284,IN,USA,married,high_school,white_collar,36493.9,0.5936,full_paramedical,134,76,244,51,4.78,111,9.1,False,,3.15,False,False,False,False,False,none,,type_2,none,none,3,False,False,False,False,True,substandard_table_8,,8.0,False,False,False,False,26,UW-429,3.0,term_life,250000,quarterly,3078.33,30.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.004122,0.023299,SOA_2015_VBT,SOA_Scale_MP2023,3.462,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008245,0.02,False,,1.0,False,,,,0.03,0.0368,False,normal_rate,3.64,2.96,False,True,False,False,False,0.879,69.1,53.3,super_preferred_longevity,100.0,baseline,1.055,0.712,True,53.2,False,,250000.0,25101.26,23387.07,24626.64,5848.83,False,0,-0.17,-20.0
LI-2024-INS004-004700,2008-04-13,6,24,30,1984,male,unknown,21.4,66,132,OK,USA,single,some_college,professional,51436.89,0.8937,accelerated_UW,122,75,174,35,4.97,95,5.7,False,95.9,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,standard,,,False,False,False,True,26,UW-400,1.06,universal_life,250000,monthly,669.73,,10yr_declining,523.58,,,True,excess_of_loss,worksite,False,False,False,0.001679,0.001515,SOA_2015_VBT,SOA_Scale_MP2023,1.015,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000101,0.02,False,,1.0,False,,,,0.06,0.083,False,normal_rate,1.98,1.98,False,False,False,True,False,0.914,70.0,60.1,super_preferred_longevity,100.0,baseline,0.83,0.962,True,61.6,False,,249476.42,5330.26,4671.37,5357.84,1272.49,False,0,3.99,22.42
LI-2024-INS004-004701,2004-01-13,13,76,89,1928,male,never_smoker,32.2,72,237,ID,USA,single,high_school,professional,208936.59,0.5566,limited_exam,151,107,169,55,3.07,110,5.5,False,,10.81,False,False,False,False,False,none,,none,none,schizophrenia,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-020,2.25,universal_life,1000000,monthly,16562.94,,10yr_declining,17201.85,,,True,facultative,independent_broker,False,False,False,0.095516,0.376968,SOA_2015_VBT,SOA_Scale_MP2023,2.491,infectious,True,2016-08-21,False,False,75976.97,0.0007,5e-05,1.095,0.119396,0.012,False,,1.0,False,,,,0.04,0.0502,False,normal_rate,2.99,1.19,False,False,False,False,False,0.979,8.4,1.0,sub_standard_longevity,22.3,baseline,1.083,0.41,False,,False,,982798.15,6264.65,5799.85,6625.18,56645.25,False,0,2.35,-18.18
LI-2024-INS004-004702,2019-10-24,7,22,29,1997,male,never_smoker,29.5,69,199,HI,USA,single,bachelors,professional,162594.91,0.3884,full_paramedical,111,57,204,40,5.1,86,5.0,False,102.9,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,22,UW-031,1.25,annuity_deferred,100000,annual,314.81,,none,247.05,,,False,none,worksite,False,False,False,0.001394,0.002571,SOA_2015_VBT,SOA_Scale_MP2023,1.319,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000349,0.022,False,,1.0,False,,,,0.02,0.0278,False,normal_rate,1.51,2.41,False,True,False,False,False,0.913,70.0,55.0,super_preferred_longevity,100.0,baseline,1.209,0.581,False,,False,,99752.95,2603.96,2213.42,2518.48,598.14,False,0,5.75,9.65
LI-2024-INS004-004703,2023-08-23,4,56,60,1967,female,never_smoker,31.2,59,154,FL,USA,single,some_college,professional,52749.03,0.7867,full_paramedical,132,79,228,36,6.33,110,,False,60.5,,False,True,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,17,UW-285,1.5,group_life,1000000,semi_annual,7744.59,,none,,,,True,none,captive_agent,False,False,False,0.009766,0.020373,SOA_2015_VBT,SOA_Scale_MP2023,1.743,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004883,0.015,False,,1.0,False,,,,0.15,0.1606,False,normal_rate,4.27,0.81,False,False,False,False,False,0.957,39.4,35.4,preferred_longevity,77.4,baseline,0.91,0.737,False,,False,,1000000.0,67134.7,59962.05,61956.72,14714.72,False,0,3.73,5.51
LI-2024-INS004-004704,2002-06-16,25,23,48,1979,male,never_smoker,19.1,74,148,KS,USA,married,some_college,professional,161075.78,0.7388,non_med_guaranteed,118,62,190,52,3.65,96,,False,,0.81,False,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,preferred_plus,,,False,False,False,False,53,UW-208,0.65,universal_life,500000,quarterly,1123.48,,15yr_declining,1890.83,,,False,none,captive_agent,False,False,False,0.004587,0.002994,SOA_2015_VBT,SOA_Scale_MP2023,0.69,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0444,False,normal_rate,1.66,2.95,False,False,False,False,False,0.865,70.0,45.0,super_preferred_longevity,91.1,baseline,0.946,0.583,False,,False,,498109.17,9740.11,9178.02,8987.84,2134.61,False,0,4.21,27.99
LI-2024-INS004-004705,2003-11-16,14,42,56,1961,male,never_smoker,21.7,64,126,KS,USA,married,high_school,hazardous,243055.36,0.6295,simplified_issue,145,84,227,57,3.98,76,5.3,False,66.2,2.2,False,False,False,False,False,none,,none,none,none,1,False,False,True,False,True,substandard_table_1,2.63,1.0,True,False,False,False,42,UW-329,1.25,universal_life,500000,annual,3157.11,,10yr_declining,3252.82,,,True,coinsurance,direct_to_consumer,True,False,False,0.008207,0.012673,SOA_2015_VBT,SOA_Scale_MP2023,1.259,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002052,0.015,False,,1.0,False,,,,0.04,0.067,False,normal_rate,3.94,1.35,False,False,False,False,True,0.923,47.9,33.9,preferred_longevity,72.8,baseline,1.028,0.583,False,,False,,496747.18,25357.46,22875.2,25256.88,5998.51,False,0,3.07,8.79
LI-2024-INS004-004706,2006-06-11,15,26,41,1980,female,unknown,16.7,72,123,WA,USA,married,high_school,professional,73143.23,0.307,full_paramedical,117,65,176,60,2.93,69,5.4,False,,,False,True,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,5,UW-180,2.25,whole_life,1000000,quarterly,7745.88,,none,8696.2,,,True,facultative,independent_broker,False,False,False,0.00254,0.01052,SOA_2015_VBT,SOA_Scale_MP2023,2.277,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003176,0.02,False,,1.0,False,,,,0.015,0.0218,False,normal_rate,3.44,1.14,False,False,False,False,False,0.954,69.8,54.8,super_preferred_longevity,99.3,baseline,1.27,0.317,False,,False,,991303.8,58363.62,59343.42,61967.04,14717.17,False,0,-1.65,-10.37
LI-2024-INS004-004707,2020-06-19,4,63,67,1957,female,former_smoker,30.0,70,208,IN,USA,divorced,high_school,white_collar,64124.21,0.3922,limited_exam,107,63,228,57,4.0,111,5.6,False,,,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,standard,,,False,False,False,False,12,UW-132,1.02,group_life,1000000,semi_annual,6077.91,,none,,,,True,coinsurance,captive_agent,False,False,False,0.021067,0.028069,SOA_2015_VBT,SOA_Scale_MP2023,1.043,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000421,0.012,True,0.00115,1.0,True,2025-07-16,non_payment,4.0,0.15,0.2079,False,normal_rate,3.4,0.56,False,False,False,False,False,0.91,29.1,25.1,standard_longevity,56.0,baseline,1.206,0.292,False,,False,,1000000.0,45870.72,49167.87,48623.28,11548.03,False,0,6.67,19.28
LI-2024-INS004-004708,2011-01-03,11,66,77,1945,female,never_smoker,30.1,62,164,VT,USA,married,bachelors,white_collar,37469.45,0.7723,accelerated_UW,153,91,204,40,5.1,94,5.3,False,73.3,,False,False,True,True,False,none,,none,none,schizophrenia,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,20,UW-195,2.5,whole_life,1000000,annual,15748.56,,none,14548.32,,,True,none,captive_agent,True,False,False,0.036382,0.139228,SOA_2015_VBT,SOA_Scale_MP2023,2.527,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054574,0.008,False,,1.0,False,,,,0.015,0.0162,False,normal_rate,2.57,1.4,False,False,False,False,False,0.771,28.5,17.5,preferred_longevity,60.3,baseline,0.921,0.583,False,,False,,985451.68,118062.38,111082.92,110239.92,33071.98,False,0,0.67,-14.22
LI-2024-INS004-004709,2024-04-04,1,55,56,1969,female,unknown,29.0,60,148,NC,USA,divorced,high_school,professional,81049.65,0.3183,full_paramedical,130,87,226,55,4.11,97,,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,13,UW-008,1.25,term_life,100000,annual,667.91,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.008021,0.016675,SOA_2015_VBT,SOA_Scale_MP2023,1.45,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002005,0.015,False,,1.0,True,2025-09-04,non_payment,1.0,0.1,0.2024,False,normal_rate,1.43,1.92,False,False,False,False,False,0.84,38.8,44.9,super_preferred_longevity,84.6,baseline,1.261,0.256,True,86.2,False,,100000.0,5364.8,5205.63,5343.28,1269.03,False,0,-0.38,4.44
LI-2024-INS004-004710,2008-12-05,2,30,32,1978,male,former_smoker,33.7,67,215,MA,USA,married,bachelors,heavy_blue_collar,297920.98,0.9037,limited_exam,127,73,193,52,3.71,110,4.7,False,,,True,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,standard_plus,1.34,,False,False,False,False,11,UW-092,0.91,term_life,500000,monthly,1188.24,20.0,none,,,,False,none,independent_broker,False,False,False,0.002095,0.001653,SOA_2015_VBT,SOA_Scale_MP2023,0.96,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0684,False,normal_rate,2.13,2.93,False,False,False,False,False,0.755,66.8,55.0,super_preferred_longevity,100.0,baseline,0.822,0.885,False,,False,,500000.0,9803.35,9053.95,9505.92,2257.66,False,0,2.7,27.98
LI-2024-INS004-004711,2023-05-13,3,46,49,1977,female,never_smoker,22.0,61,116,AZ,USA,married,less_than_hs,professional,60303.98,0.5717,accelerated_UW,125,74,233,59,3.95,76,5.4,False,,,False,False,True,False,False,none,,none,none,schizophrenia,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,9,UW-204,2.25,term_life,100000,annual,1029.45,25.0,none,,,,True,coinsurance,employer_group,False,False,False,0.003965,0.015489,SOA_2015_VBT,SOA_Scale_MP2023,2.48,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004956,0.018,False,,1.0,True,2026-01-05,voluntary_surrender,3.0,0.07,0.1044,False,normal_rate,2.93,2.96,False,False,False,False,False,0.879,53.3,50.3,super_preferred_longevity,100.0,baseline,1.071,0.568,False,,False,,100000.0,7950.76,7082.08,8235.6,1955.96,False,0,5.28,-19.8
LI-2024-INS004-004712,2002-03-13,4,22,26,1980,male,never_smoker,32.0,73,242,MT,USA,married,less_than_hs,white_collar,184624.72,0.856,full_paramedical,121,83,223,50,4.46,83,4.8,False,76.8,,False,False,False,False,True,lung,3.2,none,none,anxiety,0,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,47,UW-131,4.0,term_life,2000000,quarterly,15376.99,10.0,none,,,,True,facultative,direct_to_consumer,True,False,False,0.001229,0.009193,SOA_2015_VBT,SOA_Scale_MP2023,5.224,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003686,0.02,False,,1.0,False,,,,0.07,0.0995,False,normal_rate,2.47,0.86,False,False,False,False,True,0.983,70.0,55.0,super_preferred_longevity,100.0,baseline,0.858,0.886,False,,False,,2000000.0,115547.19,122104.21,123015.92,29216.28,False,0,-1.74,-20.0
LI-2024-INS004-004713,2022-10-06,2,27,29,1995,female,never_smoker,38.8,63,218,NM,USA,married,bachelors,light_blue_collar,48632.86,0.5697,full_paramedical,110,70,265,37,7.16,94,5.4,False,98.1,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,15,UW-206,1.5,universal_life,500000,monthly,1766.45,,15yr_declining,1085.78,,,False,none,captive_agent,False,False,False,0.001115,0.011061,SOA_2015_VBT,SOA_Scale_MP2023,1.75,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000558,0.022,True,0.00841,1.0,True,2025-09-21,non_payment,2.0,0.08,0.0448,False,normal_rate,2.71,2.79,False,False,False,False,False,0.799,70.0,55.0,super_preferred_longevity,100.0,baseline,1.073,0.679,False,,False,,498914.22,14225.5,14709.69,14131.6,3356.25,False,0,-0.71,12.72
LI-2024-INS004-004714,2003-11-01,22,67,89,1936,male,former_smoker,30.5,75,243,ID,USA,married,high_school,professional,169032.34,0.5728,simplified_issue,131,79,296,41,7.22,76,5.2,False,78.5,9.37,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-198,1.5,term_life,5000000,quarterly,60909.89,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.167835,0.356269,SOA_2015_VBT,SOA_Scale_MP2023,1.516,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.083918,0.005,False,,1.0,False,,,,0.03,0.0373,False,normal_rate,3.44,2.81,False,False,False,False,False,0.791,18.1,1.0,sub_standard_longevity,22.6,baseline,1.07,0.434,False,,False,,5000000.0,23377.71,24789.72,24363.96,208311.82,False,0,7.22,9.0
LI-2024-INS004-004715,2015-11-08,1,19,20,1996,male,never_smoker,34.5,67,220,OH,USA,married,some_college,white_collar,145668.23,0.4668,accelerated_UW,130,84,207,34,6.09,118,5.4,False,61.7,,True,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,15,UW-453,1.5,term_life,1000000,monthly,2214.87,20.0,none,,,,True,none,employer_group,False,False,False,0.001007,0.002398,SOA_2015_VBT,SOA_Scale_MP2023,1.637,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000503,0.022,False,,1.0,False,,,,0.1,0.1592,False,normal_rate,3.94,1.98,False,False,False,False,False,0.928,70.0,55.0,super_preferred_longevity,100.0,baseline,1.15,0.49,False,,False,,1000000.0,17922.79,17527.29,17718.96,4208.25,False,0,1.31,0.11
LI-2024-INS004-004716,2006-08-01,1,77,78,1929,female,never_smoker,33.1,72,244,TX,USA,married,high_school,light_blue_collar,90502.95,0.6408,full_paramedical,143,97,232,35,6.63,126,5.2,False,82.8,,True,False,True,False,False,none,,none,none,substance_use_disorder,8,False,False,False,True,True,standard,,,False,True,False,False,56,UW-276,1.0,term_life,1000000,monthly,6057.17,20.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.030181,0.033443,SOA_2015_VBT,SOA_Scale_MP2023,1.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.1,0.1187,False,normal_rate,1.62,0.96,False,False,False,False,False,0.952,14.9,13.9,standard_longevity,53.0,baseline,1.019,0.734,False,,False,,1000000.0,33869.41,33266.08,33677.87,14464.52,False,0,2.12,15.07
LI-2024-INS004-004717,2013-04-17,4,53,57,1960,female,never_smoker,27.9,70,194,DE,USA,widowed,high_school,white_collar,83010.69,0.935,full_paramedical,131,80,148,72,2.06,62,5.3,False,77.9,,False,False,True,False,True,other,4.1,none,none,none,1,False,True,False,False,True,substandard_table_6,,6.0,False,False,False,False,25,UW-181,2.5,group_life,1000000,annual,13559.24,,none,,,,True,coinsurance,captive_agent,False,False,False,0.00703,0.025486,SOA_2015_VBT,SOA_Scale_MP2023,2.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010545,0.015,False,,1.0,False,,,,0.15,0.1428,False,normal_rate,3.19,1.46,False,False,False,False,False,0.754,44.9,51.1,super_preferred_longevity,100.0,baseline,0.799,0.925,True,100.0,False,,1000000.0,108627.05,95342.78,108473.92,25762.56,False,0,0.35,-14.94
LI-2024-INS004-004718,2021-03-15,1,37,38,1984,female,never_smoker,33.1,65,198,OK,USA,married,high_school,white_collar,129871.26,0.5972,accelerated_UW,138,70,223,61,3.66,97,5.2,False,102.8,,False,False,False,False,True,breast,9.6,none,none,none,0,False,False,False,False,True,substandard_table_1,,1.0,False,False,False,True,52,UW-206,1.25,term_life,100000,monthly,377.08,20.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.001816,0.007898,SOA_2015_VBT,SOA_Scale_MP2023,1.283,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000454,0.02,True,0.00499,1.0,False,,,,0.1,0.1711,False,normal_rate,0.0,1.52,False,False,False,False,False,0.778,60.6,55.0,super_preferred_longevity,100.0,baseline,1.052,0.636,False,,False,,100000.0,3269.23,2945.01,3016.64,716.45,False,0,6.23,12.6
LI-2024-INS004-004719,2000-02-28,26,57,83,1943,male,former_smoker,36.5,65,219,CA,USA,divorced,bachelors,light_blue_collar,52337.79,0.8635,simplified_issue,150,96,238,36,6.61,100,7.2,False,62.6,16.81,False,False,False,False,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,43,UW-368,1.5,indexed_ul,1000000,annual,9671.4,,10yr_declining,16604.28,,,True,quota_share,independent_broker,False,False,False,0.097839,0.176848,SOA_2015_VBT,SOA_Scale_MP2023,1.534,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.048919,0.008,False,,1.0,False,,,,0.04,0.0404,False,normal_rate,3.31,0.91,False,False,False,False,False,0.946,30.5,4.5,sub_standard_longevity,32.2,baseline,0.852,0.65,False,,False,,983395.72,16424.17,16419.37,17408.52,30368.2,False,0,5.1,12.51
LI-2024-INS004-004720,2016-04-02,9,65,74,1951,male,former_smoker,32.2,71,230,TN,USA,married,graduate,professional,75035.05,0.3479,full_paramedical,171,110,195,36,5.42,96,5.9,False,68.5,0.98,False,False,False,False,False,none,,pre_diabetes,none,anxiety,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,False,23,UW-405,2.0,annuity_deferred,2000000,monthly,24941.72,,none,23044.59,3203.2,0.139,True,none,independent_broker,False,False,False,0.045121,0.164206,SOA_2015_VBT,SOA_Scale_MP2023,2.13,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.045121,0.012,False,,1.0,False,,,,0.02,0.0171,False,normal_rate,3.47,2.22,False,False,False,False,False,0.931,22.0,13.0,standard_longevity,37.2,baseline,1.239,0.121,False,,False,,1976955.41,128445.07,116876.32,129696.94,61356.63,False,0,4.53,-1.12
LI-2024-INS004-004721,2001-11-20,20,28,48,1973,female,never_smoker,36.8,72,271,OH,USA,single,less_than_hs,white_collar,61269.85,0.4339,accelerated_UW,134,84,252,39,6.46,114,4.7,False,,,False,False,False,True,False,none,,none,none,depression,6,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,True,30,UW-413,2.5,annuity_immediate,250000,quarterly,2436.02,,none,,,,False,none,employer_group,False,False,False,0.00367,0.017096,SOA_2015_VBT,SOA_Scale_MP2023,2.689,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005505,0.018,False,,1.0,False,,,,0.002,0.005,False,normal_rate,2.95,1.32,False,False,False,False,False,0.844,67.1,47.5,super_preferred_longevity,90.3,baseline,1.175,0.437,True,36.4,False,,250000.0,19417.48,18527.18,19488.16,4628.44,False,0,0.3,-17.39
LI-2024-INS004-004722,2007-01-15,1,35,36,1972,female,never_smoker,37.0,59,183,MT,USA,divorced,less_than_hs,professional,94321.99,0.5988,full_paramedical,124,78,261,47,5.55,106,5.1,False,107.8,,False,False,True,False,False,none,,none,none,none,1,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-331,1.25,group_life,100000,semi_annual,366.82,,none,,,,False,none,independent_broker,False,False,False,0.001608,0.002806,SOA_2015_VBT,SOA_Scale_MP2023,1.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000402,0.018,False,,1.0,False,,,,0.18,0.2198,False,normal_rate,3.97,1.14,False,False,False,False,False,0.84,63.6,55.0,super_preferred_longevity,100.0,baseline,1.051,0.65,False,,False,,100000.0,2763.5,2506.62,2934.56,696.96,False,0,0.37,16.88
LI-2024-INS004-004723,2005-06-25,13,53,66,1952,female,never_smoker,22.5,68,147,NM,USA,single,high_school,professional,139335.02,0.7892,full_paramedical,129,71,226,58,3.9,82,5.0,False,,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-037,2.25,term_life,500000,annual,6366.75,10.0,none,,,,False,none,independent_broker,False,False,False,0.013987,0.047789,SOA_2015_VBT,SOA_Scale_MP2023,2.386,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017483,0.012,False,,1.0,False,,,,0.03,0.0321,False,normal_rate,2.77,1.67,False,True,False,False,False,0.87,39.9,26.9,preferred_longevity,64.7,baseline,0.908,0.602,False,,False,,500000.0,54570.95,46486.32,50934.0,12096.82,False,0,1.11,-7.89
LI-2024-INS004-004724,2006-07-26,7,74,81,1932,male,never_smoker,26.3,62,143,ID,USA,single,high_school,light_blue_collar,42503.35,0.5176,full_paramedical,126,62,275,58,4.74,82,,False,,3.46,True,False,False,False,False,none,,none,none,substance_use_disorder,3,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-034,2.25,annuity_immediate,1000000,annual,14583.1,,none,,,,True,quota_share,bank,True,False,False,0.064063,0.24411,SOA_2015_VBT,SOA_Scale_MP2023,2.303,infectious,True,2011-04-07,False,False,1311888.83,0.0007,5e-05,1.095,0.080078,0.005,False,,1.0,False,,,,0.003,0.005,False,normal_rate,4.1,2.37,False,False,False,False,False,0.975,10.3,3.3,sub_standard_longevity,25.2,baseline,1.112,0.372,False,,False,,1000000.0,17939.61,17601.43,19249.69,47190.91,False,0,-2.3,-5.11
LI-2024-INS004-004725,2020-11-28,4,25,29,1995,female,never_smoker,18.0,66,111,MS,USA,married,high_school,hazardous,104849.57,0.7964,full_paramedical,111,56,139,42,3.31,77,5.0,False,102.3,,False,False,True,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,3.52,,True,True,False,False,15,UW-013,1.0,universal_life,1000000,semi_annual,2090.77,,10yr_declining,1576.41,,,True,excess_of_loss,independent_broker,False,False,False,0.001115,0.005544,SOA_2015_VBT,SOA_Scale_MP2023,1.069,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00447,1.0,False,,,,0.08,0.0383,False,normal_rate,2.36,0.89,False,False,False,False,False,0.798,70.0,55.0,super_preferred_longevity,100.0,baseline,0.903,0.908,False,,False,,998423.59,16401.98,17067.97,16726.16,3972.46,False,0,4.01,24.66
LI-2024-INS004-004726,2005-05-08,12,75,87,1930,female,never_smoker,29.9,71,214,SD,USA,married,bachelors,white_collar,26652.17,0.5994,non_med_guaranteed,131,86,209,39,5.36,107,,False,60.2,,False,False,False,False,False,none,,none,none,schizophrenia,1,False,True,True,False,True,substandard_table_5,,5.0,False,False,False,False,57,UW-437,2.25,universal_life,250000,quarterly,3552.13,,10yr_declining,3461.76,,,False,none,captive_agent,False,False,False,0.084757,0.318022,SOA_2015_VBT,SOA_Scale_MP2023,2.382,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.105946,0.005,False,,1.0,False,,,,0.04,0.0488,False,normal_rate,2.78,1.84,False,False,False,False,False,0.838,13.3,1.3,sub_standard_longevity,23.4,baseline,1.05,0.495,False,,False,,246538.24,1787.39,1656.45,1847.11,12063.03,False,0,-0.08,-6.64
LI-2024-INS004-004727,2013-04-24,10,24,34,1989,female,never_smoker,27.5,60,140,AZ,USA,married,some_college,professional,20000.0,0.3479,simplified_issue,110,59,239,44,5.43,82,,False,96.8,,False,False,True,False,False,none,,none,none,depression,8,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-084,1.25,term_life,250000,monthly,904.92,20.0,none,,,,True,none,independent_broker,False,False,False,0.001434,0.002615,SOA_2015_VBT,SOA_Scale_MP2023,1.27,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.02,False,,1.0,False,,,,0.05,0.0711,False,normal_rate,5.12,1.94,False,False,False,False,False,0.849,70.0,55.0,super_preferred_longevity,100.0,baseline,1.239,0.506,False,,False,,250000.0,7078.41,7537.75,7239.36,1719.35,False,0,0.19,11.89
LI-2024-INS004-004728,2013-02-01,7,64,71,1949,male,never_smoker,31.4,65,188,NV,USA,divorced,bachelors,light_blue_collar,60324.3,0.624,full_paramedical,140,90,214,48,4.46,102,,False,80.4,3.51,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-068,1.25,annuity_immediate,1000000,monthly,7381.02,,none,,,,True,quota_share,captive_agent,True,False,False,0.027808,0.047559,SOA_2015_VBT,SOA_Scale_MP2023,1.415,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006952,0.008,False,,1.0,False,,,,0.003,0.005,False,normal_rate,2.75,0.94,False,False,False,False,False,0.932,23.5,16.5,standard_longevity,46.6,baseline,1.032,0.797,False,,False,,1000000.0,45135.93,46483.95,48714.73,16090.62,False,0,4.42,7.85
LI-2024-INS004-004729,2017-09-22,8,76,84,1941,male,former_smoker,30.2,75,241,OH,USA,married,bachelors,light_blue_collar,61375.16,0.5717,full_paramedical,166,99,232,58,4.0,91,5.2,False,44.7,11.15,False,False,False,False,False,none,,none,none,none,19,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,7,UW-295,2.0,universal_life,1000000,annual,12794.35,,10yr_declining,11224.28,,,True,excess_of_loss,captive_agent,False,False,False,0.1049,0.345149,SOA_2015_VBT,SOA_Scale_MP2023,2.138,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.1049,0.008,False,,1.0,False,,,,0.06,0.0336,False,normal_rate,1.89,1.41,False,False,False,False,False,0.833,10.1,2.1,sub_standard_longevity,24.2,baseline,1.071,0.618,False,,False,,988775.72,11153.75,11044.83,10747.25,42630.78,False,0,1.2,-8.35
LI-2024-INS004-004730,2018-11-03,6,45,51,1973,male,former_smoker,27.8,65,167,TN,USA,married,some_college,light_blue_collar,91103.49,0.4136,simplified_issue,106,62,241,70,3.44,115,5.4,False,,3.48,False,False,False,False,False,none,,none,none,anxiety,6,False,False,True,False,True,preferred,,,False,False,False,False,59,UW-041,0.81,universal_life,1000000,monthly,3725.51,,10yr_declining,2968.07,,,True,none,bank,False,False,False,0.007541,0.00707,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.037,False,normal_rate,3.83,0.84,False,False,False,False,False,0.864,46.0,40.0,preferred_longevity,78.7,baseline,1.19,0.27,False,,False,,997031.93,32111.13,28649.32,29804.08,7078.47,False,0,4.85,23.97
LI-2024-INS004-004731,2021-12-09,5,22,27,1999,female,never_smoker,29.5,72,217,ND,USA,married,bachelors,white_collar,21354.37,0.6744,simplified_issue,135,85,222,49,4.53,98,,False,85.3,,False,False,True,False,False,none,,none,none,none,9,False,False,False,False,False,preferred,,,False,False,False,False,26,UW-464,0.77,annuity_deferred,500000,monthly,988.71,,none,688.73,,,False,none,independent_broker,False,False,False,0.001023,0.005318,SOA_2015_VBT,SOA_Scale_MP2023,0.764,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00454,1.0,False,,,,0.04,0.0464,False,normal_rate,2.62,2.42,False,False,False,False,False,0.885,70.0,55.0,super_preferred_longevity,100.0,baseline,0.994,0.748,False,,False,,499311.27,8580.48,8302.09,7909.68,1878.55,False,0,4.43,30.07
LI-2024-INS004-004732,2015-06-22,5,28,33,1987,female,never_smoker,33.5,72,247,NC,USA,single,graduate,professional,26576.86,0.2762,simplified_issue,125,59,227,40,5.67,136,5.5,False,94.5,,False,True,False,False,False,none,,none,none,schizophrenia,6,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-070,2.25,term_life,500000,annual,3562.16,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001358,0.005701,SOA_2015_VBT,SOA_Scale_MP2023,2.28,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001698,0.02,False,,1.0,False,,,,0.07,0.2029,False,normal_rate,5.06,2.21,False,False,False,False,False,0.86,68.8,55.0,super_preferred_longevity,99.1,baseline,1.293,0.22,False,,False,,500000.0,29357.01,27319.55,28497.28,6768.1,False,0,2.54,-16.17
LI-2024-INS004-004733,2019-11-23,8,72,80,1947,female,former_smoker,32.8,60,168,ME,USA,married,high_school,professional,150377.22,0.6417,accelerated_UW,128,86,228,48,4.75,99,4.9,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,28,UW-474,1.25,term_life,500000,monthly,4515.69,20.0,none,,,,False,none,bank,False,False,False,0.062386,0.110293,SOA_2015_VBT,SOA_Scale_MP2023,1.49,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015597,0.008,False,,1.0,False,,,,0.05,0.0593,False,normal_rate,3.07,2.29,False,False,False,False,False,0.901,19.3,11.3,standard_longevity,39.1,baseline,1.019,0.513,False,,False,,500000.0,19726.7,20987.49,20410.92,11722.73,False,0,6.83,8.08
LI-2024-INS004-004734,2021-09-24,2,29,31,1992,female,former_smoker,22.8,71,163,OR,USA,married,some_college,white_collar,61337.01,0.7667,non_med_guaranteed,110,76,137,56,2.45,72,5.4,False,82.9,,True,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred,,,False,False,False,False,20,UW-005,0.77,term_life,250000,monthly,518.59,30.0,none,,,,False,none,independent_broker,True,False,False,0.001593,0.002816,SOA_2015_VBT,SOA_Scale_MP2023,0.836,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00158,1.0,False,,,,0.07,0.0761,False,normal_rate,4.87,1.28,False,False,False,False,False,0.936,70.0,55.0,super_preferred_longevity,100.0,baseline,0.925,0.771,False,,False,,250000.0,4497.01,3877.89,4148.72,985.32,False,0,-0.35,30.88
LI-2024-INS004-004735,2007-11-02,19,28,47,1979,female,current_smoker,16.2,59,90,AK,USA,married,high_school,professional,39366.67,0.5692,non_med_guaranteed,137,85,175,66,2.65,88,5.0,True,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,22,UW-388,1.75,universal_life,100000,monthly,627.83,,15yr_declining,821.0,,,False,none,captive_agent,False,False,False,0.006801,0.017895,SOA_2015_VBT,SOA_Scale_MP2023,1.753,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005101,0.018,False,,1.0,True,2025-09-17,non_payment,19.0,0.04,0.0498,False,normal_rate,4.74,2.54,False,False,False,False,False,0.886,68.6,49.6,super_preferred_longevity,95.4,baseline,1.073,0.385,False,,False,,99179.0,5110.38,4308.08,5022.64,1192.88,False,0,1.5,-1.81
LI-2024-INS004-004736,2007-05-28,16,78,94,1929,female,former_smoker,29.0,62,158,RI,USA,married,some_college,white_collar,123165.49,0.6829,full_paramedical,147,100,261,75,3.48,67,5.7,False,80.8,,False,False,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,5,UW-483,1.5,universal_life,1000000,semi_annual,12923.72,,10yr_declining,15588.11,,,True,quota_share,bank,False,False,False,0.151133,0.325631,SOA_2015_VBT,SOA_Scale_MP2023,1.675,neurological,True,2015-03-28,False,False,1075724.61,0.0007,5e-05,1.095,0.075566,0.012,False,,1.0,False,,,,0.04,0.0461,False,normal_rate,2.68,1.93,False,False,False,False,False,0.926,11.0,1.0,sub_standard_longevity,24.2,baseline,0.988,0.664,False,,False,,984411.89,4687.81,5309.36,5169.49,44199.12,False,0,2.5,5.9
LI-2024-INS004-004737,2020-03-04,5,34,39,1986,male,never_smoker,21.4,69,144,AR,USA,married,bachelors,white_collar,233321.95,0.6313,full_paramedical,104,64,222,57,3.89,91,4.9,False,,,True,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,preferred,,,False,False,False,False,14,UW-379,0.81,universal_life,250000,semi_annual,569.47,,10yr_declining,423.26,,,False,none,independent_broker,False,False,False,0.002419,0.004173,SOA_2015_VBT,SOA_Scale_MP2023,0.757,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00229,1.0,False,,,,0.08,0.043,False,normal_rate,2.5,0.62,False,False,False,False,False,0.977,60.0,59.7,super_preferred_longevity,100.0,baseline,1.027,0.587,True,59.5,False,,249576.74,4288.84,4212.41,4555.76,1081.99,False,0,2.09,25.82
LI-2024-INS004-004738,2007-04-18,15,75,90,1932,male,never_smoker,26.7,61,141,IA,USA,married,graduate,white_collar,75306.01,0.6397,full_paramedical,161,101,193,31,6.23,112,4.7,False,67.2,4.87,True,False,False,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,16,UW-126,2.0,annuity_deferred,250000,semi_annual,3828.35,,none,4465.89,,,False,none,captive_agent,True,False,False,0.137485,0.442844,SOA_2015_VBT,SOA_Scale_MP2023,2.177,infectious,True,2012-10-08,False,False,1221632.65,0.0007,5e-05,1.095,0.137485,0.005,False,,1.0,False,,,,0.01,0.0119,False,normal_rate,2.98,2.49,False,False,False,False,False,0.827,9.8,1.2,sub_standard_longevity,23.9,baseline,1.02,0.89,True,91.4,False,,245534.11,1840.07,1700.16,1837.61,13031.7,False,0,4.59,-10.1
LI-2024-INS004-004739,2021-07-10,6,40,46,1981,male,never_smoker,34.0,63,191,AL,USA,widowed,some_college,professional,136694.69,0.0952,non_med_guaranteed,135,79,263,63,4.17,121,5.2,False,,1.58,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-318,2.25,term_life,1000000,semi_annual,8331.38,20.0,none,,,,True,none,direct_to_consumer,False,False,False,0.003943,0.023805,SOA_2015_VBT,SOA_Scale_MP2023,2.443,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004929,0.02,True,0.00511,1.0,False,,,,0.05,0.1137,False,normal_rate,5.25,2.19,False,False,False,False,False,0.97,51.1,45.1,super_preferred_longevity,81.6,baseline,1.429,0.082,False,,False,,1000000.0,65587.26,58972.64,66651.04,15829.62,False,0,-2.86,-16.33
LI-2024-INS004-004740,2009-01-05,14,27,41,1982,non_binary,never_smoker,17.1,70,119,SC,USA,married,bachelors,professional,80456.81,0.7069,non_med_guaranteed,117,76,159,61,2.61,66,,False,,,False,True,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,21,UW-151,1.0,term_life,500000,annual,1529.5,20.0,none,,,,False,none,captive_agent,False,False,False,0.002485,0.002528,SOA_2015_VBT,SOA_Scale_MP2023,1.049,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.034,False,normal_rate,3.02,0.68,False,False,False,False,False,0.806,66.7,54.5,super_preferred_longevity,100.0,baseline,0.97,0.85,True,44.5,False,,500000.0,13376.13,12109.19,12236.0,2906.05,False,0,7.84,25.77
LI-2024-INS004-004741,2004-05-26,13,34,47,1970,female,former_smoker,24.2,59,119,ID,USA,single,bachelors,light_blue_collar,35358.9,0.3479,full_paramedical,146,98,194,55,3.53,84,,False,88.2,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,23,UW-052,2.0,whole_life,100000,monthly,870.12,,none,887.17,,,True,quota_share,bank,False,False,False,0.004421,0.016275,SOA_2015_VBT,SOA_Scale_MP2023,2.164,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004421,0.018,False,,1.0,False,,,,0.015,0.0213,False,normal_rate,2.72,0.74,False,False,False,False,False,0.893,60.3,51.1,super_preferred_longevity,94.4,baseline,1.239,0.326,True,58.0,False,,99112.83,7295.05,5921.32,6960.96,1653.23,False,0,1.95,-11.66
LI-2024-INS004-004742,2016-03-03,10,58,68,1958,female,never_smoker,24.5,59,121,CT,USA,single,some_college,hazardous,145092.03,0.7363,full_paramedical,143,89,155,58,2.67,89,5.4,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,True,False,True,substandard_table_1,3.01,1.0,True,False,False,False,54,UW-140,1.25,term_life,500000,quarterly,3747.32,30.0,none,,,,False,none,employer_group,False,False,False,0.017894,0.027419,SOA_2015_VBT,SOA_Scale_MP2023,1.353,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004473,0.012,False,,1.0,False,,,,0.05,0.0667,False,normal_rate,3.77,1.36,False,False,False,False,False,0.943,35.6,25.6,preferred_longevity,61.9,baseline,0.948,0.547,False,,False,,500000.0,29637.26,27057.22,29978.56,7119.91,False,0,6.98,13.67
LI-2024-INS004-004743,2002-04-03,15,28,43,1974,male,never_smoker,36.4,67,232,MS,USA,married,high_school,light_blue_collar,106291.38,0.4576,full_paramedical,136,95,240,49,4.9,105,4.9,False,,1.55,False,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,5,UW-256,1.5,term_life,1000000,annual,5836.96,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.003171,0.007638,SOA_2015_VBT,SOA_Scale_MP2023,1.65,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001586,0.018,False,,1.0,False,,,,0.03,0.04,False,normal_rate,4.82,1.96,False,False,False,False,False,0.756,63.4,52.7,super_preferred_longevity,98.4,baseline,1.157,0.323,True,60.8,False,,1000000.0,49640.17,43284.95,46695.68,11090.22,False,0,-1.6,4.66
LI-2024-INS004-004744,2012-09-04,2,42,44,1970,male,never_smoker,27.4,74,213,NE,USA,single,high_school,white_collar,192100.05,0.4144,full_paramedical,119,65,176,52,3.38,103,,False,84.0,3.54,True,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-418,2.0,term_life,2000000,monthly,14635.96,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.003406,0.012028,SOA_2015_VBT,SOA_Scale_MP2023,2.129,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.018,False,,1.0,False,,,,0.07,0.0958,False,normal_rate,4.38,1.74,False,False,False,False,False,0.888,48.6,46.6,super_preferred_longevity,88.6,baseline,1.189,0.351,False,,False,,2000000.0,116193.01,107195.42,117087.68,27808.32,False,0,1.14,-0.47
LI-2024-INS004-004745,2014-05-08,3,71,74,1943,female,never_smoker,22.2,64,129,NY,USA,married,some_college,professional,20053.12,0.7627,accelerated_UW,126,81,173,45,3.84,97,5.5,False,,,False,False,False,False,True,breast,4.5,none,none,none,0,False,False,False,False,True,substandard_table_4,,4.0,False,False,False,True,42,UW-286,2.0,term_life,250000,semi_annual,2872.29,20.0,none,,,,False,none,captive_agent,True,False,False,0.027554,0.080508,SOA_2015_VBT,SOA_Scale_MP2023,2.071,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027554,0.008,False,,1.0,False,,,,0.07,0.0763,False,normal_rate,4.11,1.93,False,False,False,False,False,0.888,20.1,17.7,standard_longevity,50.5,baseline,0.928,0.686,True,45.3,False,,250000.0,19197.15,17631.12,20335.81,5985.85,False,0,4.23,-5.06
LI-2024-INS004-004746,2018-02-28,9,29,38,1989,female,former_smoker,23.1,59,114,CO,USA,single,bachelors,professional,92836.28,0.8788,full_paramedical,87,59,155,62,2.5,93,5.6,False,74.4,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred,,,False,False,False,False,10,UW-324,0.83,annuity_deferred,1000000,quarterly,2897.77,,none,2432.47,,,True,none,captive_agent,False,True,False,0.002361,0.001565,SOA_2015_VBT,SOA_Scale_MP2023,0.788,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.02,0.0199,False,normal_rate,3.16,0.6,False,False,False,False,False,0.869,70.0,55.0,super_preferred_longevity,100.0,baseline,0.841,0.944,False,,False,,997567.53,21172.09,21391.51,23182.16,5505.76,False,0,4.77,27.43
LI-2024-INS004-004747,2023-03-17,3,29,32,1994,male,never_smoker,20.9,62,114,NE,USA,married,high_school,light_blue_collar,37434.13,0.6649,full_paramedical,102,55,170,54,3.15,68,5.6,False,85.5,,True,True,False,False,False,none,,none,none,none,4,False,False,False,False,False,preferred_plus,,,False,False,False,False,18,UW-078,0.68,term_life,5000000,annual,8898.13,20.0,none,,,,True,facultative,independent_broker,False,False,False,0.001611,0.001007,SOA_2015_VBT,SOA_Scale_MP2023,0.624,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,True,2026-04-12,voluntary_surrender,3.0,0.07,0.0818,False,normal_rate,3.46,0.73,False,False,False,False,False,0.963,66.5,55.0,super_preferred_longevity,100.0,baseline,1.001,0.754,False,,False,,5000000.0,72772.52,70248.62,71185.04,16906.45,False,0,3.58,27.74
LI-2024-INS004-004748,2005-01-25,17,29,46,1976,male,former_smoker,30.5,60,156,VT,USA,married,bachelors,professional,46964.46,0.8433,full_paramedical,126,79,244,47,5.19,88,5.5,False,91.3,1.42,False,False,False,False,False,none,,none,none,none,7,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,52,UW-073,1.25,term_life,2000000,semi_annual,10479.87,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.005126,0.007623,SOA_2015_VBT,SOA_Scale_MP2023,1.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001282,0.018,False,,1.0,False,,,,0.03,0.0308,False,normal_rate,3.99,0.62,False,False,False,False,False,0.764,64.2,47.2,super_preferred_longevity,95.9,baseline,0.868,0.863,False,,False,,2000000.0,83005.72,78210.32,83838.96,19911.75,False,0,5.75,17.05
LI-2024-INS004-004749,2013-10-19,8,68,76,1945,female,never_smoker,27.7,59,137,ID,USA,divorced,some_college,professional,148331.68,0.6715,simplified_issue,145,88,212,45,4.71,74,4.3,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-112,2.25,whole_life,250000,monthly,3394.87,,none,2857.66,,,True,none,captive_agent,False,False,False,0.033344,0.12281,SOA_2015_VBT,SOA_Scale_MP2023,2.442,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04168,0.008,False,,1.0,False,,,,0.02,0.0233,False,normal_rate,4.55,1.32,False,False,False,False,False,0.831,23.1,15.3,standard_longevity,45.5,baseline,0.996,0.672,True,37.3,False,,247142.34,19850.15,17837.05,20776.6,7726.73,False,0,0.15,-11.82
LI-2024-INS004-004750,2022-03-20,1,39,40,1983,male,never_smoker,33.2,62,181,MN,USA,divorced,high_school,professional,126369.16,0.4124,limited_exam,142,92,242,44,5.5,101,5.2,False,,1.76,True,False,False,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,17,UW-068,1.25,annuity_deferred,500000,annual,1900.88,,none,1110.3,,,False,none,direct_to_consumer,False,True,False,0.002583,0.009131,SOA_2015_VBT,SOA_Scale_MP2023,1.281,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000646,0.02,True,0.00455,1.0,False,,,,0.06,0.1151,False,normal_rate,4.41,0.71,False,False,False,False,False,0.837,53.7,52.7,super_preferred_longevity,97.7,baseline,1.191,0.412,False,,False,,498889.7,16466.61,14765.58,15207.04,3611.67,False,0,3.72,11.44
LI-2024-INS004-004751,2012-05-05,5,34,39,1978,male,never_smoker,34.0,67,216,OR,USA,divorced,bachelors,white_collar,264339.17,0.6705,limited_exam,134,80,212,45,4.71,92,4.9,False,76.0,,True,False,False,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,10,UW-069,2.0,term_life,500000,quarterly,2970.09,20.0,none,,,,False,none,independent_broker,False,False,False,0.002419,0.007587,SOA_2015_VBT,SOA_Scale_MP2023,2.142,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002419,0.018,False,,1.0,False,,,,0.07,0.0815,False,normal_rate,3.32,2.33,True,False,False,False,False,0.934,58.8,63.4,super_preferred_longevity,100.0,baseline,0.997,0.593,True,83.8,False,,500000.0,24134.62,22923.44,23760.72,5643.17,False,0,1.48,-10.65
LI-2024-INS004-004752,2018-09-24,9,49,58,1969,male,never_smoker,31.0,62,169,DE,USA,single,bachelors,white_collar,20000.0,0.8835,full_paramedical,121,72,269,68,3.96,85,,False,,8.25,True,False,False,False,True,lung,5.1,none,none,substance_use_disorder,0,False,False,False,True,True,declined,,,False,False,True,False,41,UW-191,7.0,indexed_ul,2000000,monthly,76131.27,,15yr_declining,66226.99,,,True,none,direct_to_consumer,True,False,False,0.010307,0.115264,SOA_2015_VBT,SOA_Scale_MP2023,6.19,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.061841,0.015,False,,1.0,False,,,,0.06,0.0375,False,normal_rate,1.24,1.45,False,False,False,False,False,0.871,43.1,35.6,preferred_longevity,79.2,baseline,0.837,0.785,True,47.6,False,,1933773.01,602815.33,571017.62,609050.16,144649.41,False,0,-5.0,-20.0
LI-2024-INS004-004753,2000-04-25,11,45,56,1955,female,former_smoker,29.7,69,201,WY,USA,married,graduate,white_collar,64887.34,0.3481,accelerated_UW,126,66,265,55,4.82,98,,False,,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,True,8,UW-342,0.76,annuity_deferred,500000,monthly,1918.99,,none,1863.89,,,False,none,independent_broker,False,False,False,0.008036,0.008124,SOA_2015_VBT,SOA_Scale_MP2023,0.816,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.01,0.0142,False,normal_rate,3.75,2.19,False,False,False,False,False,0.982,46.6,35.6,preferred_longevity,71.1,baseline,1.239,0.265,False,,False,,498136.11,14211.07,13216.14,15351.92,3646.08,False,0,4.81,24.86
LI-2024-INS004-004754,2021-06-14,3,51,54,1970,female,never_smoker,28.6,64,166,AL,USA,married,bachelors,white_collar,32625.02,0.5368,full_paramedical,132,90,233,45,5.18,106,,False,90.6,,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-104,1.25,whole_life,250000,monthly,1596.61,,none,1114.29,,,False,none,independent_broker,False,False,False,0.005914,0.014093,SOA_2015_VBT,SOA_Scale_MP2023,1.273,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.018,True,0.00435,1.0,False,,,,0.04,0.0508,False,normal_rate,3.24,1.91,False,False,False,False,False,0.839,44.1,41.1,super_preferred_longevity,82.2,baseline,1.097,0.573,False,,False,,248885.71,13753.64,12965.76,12772.88,3033.56,False,0,3.65,10.84
LI-2024-INS004-004755,2019-01-08,1,49,50,1970,male,never_smoker,30.8,60,157,TN,USA,married,high_school,professional,26588.05,0.4589,full_paramedical,151,84,193,42,4.6,100,5.5,False,98.8,1.5,False,False,False,False,False,none,,none,none,depression,3,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,57,UW-376,1.5,universal_life,500000,annual,3076.74,,15yr_declining,1884.02,,,False,none,independent_broker,False,False,False,0.005359,0.013186,SOA_2015_VBT,SOA_Scale_MP2023,1.696,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00268,0.018,False,,1.0,False,,,,0.12,0.072,False,normal_rate,4.47,1.55,False,False,False,False,False,0.876,41.8,39.8,preferred_longevity,79.1,baseline,1.156,0.349,True,24.7,False,,498115.98,24264.76,21102.11,24613.92,5845.81,False,0,1.52,8.27
LI-2024-INS004-004756,2022-01-03,1,46,47,1976,male,former_smoker,21.8,60,111,RI,USA,married,bachelors,hazardous,101029.97,0.4972,limited_exam,137,92,174,52,3.35,101,5.2,False,,4.1,False,False,False,False,False,none,,none,none,none,0,False,False,True,True,True,substandard_table_2,3.24,2.0,True,False,False,False,30,UW-245,1.5,universal_life,5000000,monthly,30565.82,,15yr_declining,18813.15,,,True,quota_share,independent_broker,False,False,False,0.005526,0.014185,SOA_2015_VBT,SOA_Scale_MP2023,1.602,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002763,0.018,True,0.00144,1.0,False,,,,0.12,0.0703,False,normal_rate,5.04,0.93,False,False,False,False,False,0.777,45.8,44.8,super_preferred_longevity,87.2,baseline,1.127,0.276,False,,False,,4981186.85,223818.7,215694.22,244526.56,58075.06,False,0,2.46,4.37
LI-2024-INS004-004757,2003-10-12,17,18,35,1985,female,never_smoker,26.2,60,134,AL,USA,single,graduate,white_collar,109142.37,0.4967,full_paramedical,111,64,271,55,4.93,96,5.2,False,80.0,,False,False,False,False,False,none,,none,none,none,1,False,True,False,False,False,preferred,,,False,False,False,False,3,UW-257,0.84,universal_life,100000,monthly,220.93,,10yr_declining,276.76,,,False,none,bank,False,False,False,0.001517,0.001384,SOA_2015_VBT,SOA_Scale_MP2023,0.809,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0521,False,normal_rate,3.77,2.4,False,False,False,False,False,0.787,70.0,60.1,super_preferred_longevity,100.0,baseline,1.127,0.604,True,72.7,False,,99723.24,1670.81,1597.72,1767.44,419.77,False,0,5.5,24.46
LI-2024-INS004-004758,2023-05-02,4,63,67,1960,female,former_smoker,34.1,66,211,WI,USA,married,graduate,light_blue_collar,72977.93,0.2332,full_paramedical,145,97,192,55,3.49,98,5.3,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,False,3,UW-129,1.0,group_life,1000000,annual,5312.71,,none,,,,True,coinsurance,bank,False,False,False,0.021514,0.030105,SOA_2015_VBT,SOA_Scale_MP2023,1.056,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,True,2025-11-14,non_payment,4.0,0.15,0.3178,False,normal_rate,3.14,0.76,False,False,False,False,False,0.817,29.1,25.1,standard_longevity,53.6,baseline,1.325,0.052,False,,False,,1000000.0,46308.01,41406.56,42501.68,10094.15,False,0,1.51,18.88
LI-2024-INS004-004759,2008-09-05,3,73,76,1935,female,former_smoker,23.7,68,155,CT,USA,married,some_college,heavy_blue_collar,76267.95,0.6865,full_paramedical,128,79,252,51,4.94,75,5.1,False,47.8,,True,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,preferred,0.88,,False,False,False,False,16,UW-088,0.79,term_life,100000,monthly,438.4,30.0,none,,,,False,none,bank,False,False,False,0.043794,0.03473,SOA_2015_VBT,SOA_Scale_MP2023,0.805,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.07,0.0806,False,normal_rate,3.64,0.53,False,False,False,False,False,0.807,16.4,13.4,standard_longevity,42.9,baseline,0.985,0.642,False,,False,,100000.0,2291.05,2019.85,2349.82,1064.44,False,0,3.65,24.31
LI-2024-INS004-004760,2011-09-03,5,62,67,1949,male,never_smoker,33.9,64,197,NE,USA,married,some_college,white_collar,38856.95,0.4578,full_paramedical,146,87,214,47,4.55,101,4.8,False,71.2,4.41,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,21,UW-486,1.5,universal_life,1000000,annual,7292.74,,10yr_declining,5365.62,,,True,none,worksite,False,False,False,0.01962,0.045802,SOA_2015_VBT,SOA_Scale_MP2023,1.586,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00981,0.008,False,,1.0,False,,,,0.08,0.048,False,normal_rate,4.93,1.71,False,False,False,False,False,0.911,24.8,19.8,standard_longevity,49.1,baseline,1.157,0.347,False,,False,,994634.38,59845.87,52544.43,57758.5,13972.89,False,0,2.38,0.83
LI-2024-INS004-004761,2000-02-26,5,51,56,1949,female,former_smoker,37.1,60,189,CA,USA,married,some_college,professional,88765.07,0.5576,simplified_issue,139,92,268,44,6.09,88,5.3,False,81.1,,False,False,True,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-084,2.0,term_life,500000,monthly,4714.82,20.0,none,,,,False,none,captive_agent,False,False,False,0.007974,0.026546,SOA_2015_VBT,SOA_Scale_MP2023,2.153,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007974,0.008,False,,1.0,False,,,,0.07,0.0878,False,normal_rate,3.81,1.03,False,False,False,False,False,0.991,43.2,38.2,super_preferred_longevity,88.2,baseline,1.082,0.546,False,,False,,500000.0,37938.71,35767.22,37718.56,8958.16,False,0,-1.41,-6.68
LI-2024-INS004-004762,2003-10-13,23,37,60,1966,male,unknown,23.0,61,121,MO,USA,married,some_college,light_blue_collar,202173.24,0.5265,non_med_guaranteed,124,68,204,67,3.04,60,,False,88.8,3.3,False,False,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-444,1.25,whole_life,1000000,monthly,6319.52,,none,9917.1,,,True,facultative,worksite,False,False,False,0.014039,0.025432,SOA_2015_VBT,SOA_Scale_MP2023,1.413,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00351,0.015,False,,1.0,False,,,,0.015,0.0192,False,normal_rate,6.61,2.67,False,False,False,False,False,0.893,53.2,30.2,preferred_longevity,65.7,baseline,1.105,0.305,False,,False,,990082.9,52847.49,44844.67,50556.16,12007.09,False,0,5.54,17.28
LI-2024-INS004-004763,2002-09-22,18,77,95,1925,male,never_smoker,23.5,73,177,MO,USA,married,bachelors,white_collar,40077.68,0.1397,full_paramedical,117,81,212,53,4.0,99,,True,48.9,13.12,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-091,2.25,whole_life,1000000,monthly,16444.39,,none,21493.99,3675.47,0.171,True,quota_share,direct_to_consumer,False,False,False,0.299706,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,2.315,cardiovascular,True,2016-12-12,False,False,200197.0,0.0007,5e-05,1.095,0.374633,0.012,False,,1.0,False,,,,0.015,0.02,False,normal_rate,5.24,1.42,False,False,False,False,False,0.812,5.3,1.0,sub_standard_longevity,16.1,baseline,1.395,0.058,True,46.1,False,,978506.01,6030.11,6100.44,6577.76,56239.81,False,0,2.13,-18.33
LI-2024-INS004-004764,2003-07-11,8,18,26,1985,male,former_smoker,31.3,64,182,LA,USA,married,bachelors,light_blue_collar,58673.7,0.3301,limited_exam,112,78,178,67,2.66,107,5.0,False,96.3,,False,False,False,False,False,none,,none,none,depression,1,False,True,True,False,True,substandard_table_1,,1.0,False,False,False,False,69,UW-086,1.25,term_life,500000,quarterly,1266.64,20.0,none,,,,False,none,captive_agent,False,False,False,0.001597,0.003056,SOA_2015_VBT,SOA_Scale_MP2023,1.328,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000399,0.02,False,,1.0,False,,,,0.05,0.0718,False,normal_rate,4.03,1.13,False,False,False,False,False,0.844,70.0,58.0,super_preferred_longevity,100.0,baseline,1.252,0.419,True,50.8,False,,500000.0,9919.37,8739.6,10133.12,2406.62,False,0,1.81,9.85
LI-2024-INS004-004765,2020-10-01,6,72,78,1948,male,unknown,27.2,64,158,AZ,USA,widowed,bachelors,heavy_blue_collar,20000.0,0.2894,full_paramedical,158,98,213,50,4.26,107,4.9,False,,11.31,True,False,False,False,True,prostate,0.7,none,none,none,4,False,False,False,False,True,standard,1.32,,False,True,False,False,27,UW-239,1.0,group_life,2000000,monthly,14257.14,,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.058451,0.088557,SOA_2015_VBT,SOA_Scale_MP2023,1.091,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,True,0.00674,1.0,False,,,,0.12,0.1762,False,normal_rate,4.73,2.34,True,False,False,False,False,0.786,14.0,8.0,sub_standard_longevity,28.8,baseline,1.283,0.09,False,,False,,2000000.0,43597.73,41064.31,45622.85,40775.42,False,0,4.09,13.6
LI-2024-INS004-004766,2017-07-13,2,76,78,1941,female,never_smoker,32.6,72,240,KS,USA,divorced,bachelors,professional,40617.1,0.8418,full_paramedical,141,96,240,54,4.44,103,4.4,False,85.1,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-455,2.0,universal_life,2000000,quarterly,29039.29,,15yr_declining,17525.62,,,True,none,captive_agent,False,False,False,0.038438,0.108389,SOA_2015_VBT,SOA_Scale_MP2023,2.095,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.038438,0.008,False,,1.0,False,,,,0.08,0.037,False,normal_rate,4.22,2.28,False,False,False,False,False,0.869,15.2,13.2,standard_longevity,44.9,baseline,0.869,0.807,False,,False,,1982474.38,150325.88,146868.71,153327.45,70972.02,False,0,1.67,-4.14
LI-2024-INS004-004767,2018-10-25,6,31,37,1987,female,former_smoker,23.8,62,130,MN,USA,married,graduate,white_collar,33691.01,0.3946,accelerated_UW,109,69,214,52,4.12,81,,False,79.0,,False,False,True,False,False,none,,none,none,anxiety,0,False,False,False,False,False,standard,,,False,False,False,True,23,UW-219,1.07,whole_life,500000,semi_annual,1576.01,,none,1190.25,,,False,none,captive_agent,False,False,False,0.00222,0.002833,SOA_2015_VBT,SOA_Scale_MP2023,1.002,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000155,0.02,False,,1.0,False,,,,0.02,0.0277,False,normal_rate,4.69,2.63,False,False,False,False,False,0.915,69.2,56.9,super_preferred_longevity,100.0,baseline,1.204,0.25,True,44.5,False,,498809.75,11680.84,11568.98,12608.08,2994.42,False,0,6.16,15.68
LI-2024-INS004-004768,2004-11-15,20,38,58,1966,male,never_smoker,21.7,73,164,MS,USA,married,graduate,white_collar,40544.68,0.7347,full_paramedical,117,78,203,64,3.17,87,5.1,False,103.2,2.19,True,False,False,False,False,none,,none,none,anxiety,0,False,False,False,True,True,preferred,,,False,False,False,False,56,UW-017,0.79,universal_life,500000,monthly,1829.38,,10yr_declining,2542.3,,,False,none,direct_to_consumer,False,False,False,0.010307,0.007619,SOA_2015_VBT,SOA_Scale_MP2023,0.779,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0623,False,normal_rate,5.08,1.99,False,False,False,False,False,0.898,53.0,33.0,preferred_longevity,73.0,baseline,0.949,0.758,False,,False,,497457.7,13282.36,14964.81,14635.04,3475.82,False,0,3.32,21.87
LI-2024-INS004-004769,2009-06-28,15,26,41,1983,female,former_smoker,34.1,72,251,ND,USA,married,high_school,white_collar,63732.58,0.3007,limited_exam,129,74,238,46,5.17,126,8.2,False,83.5,,False,False,False,False,False,none,,type_2,none,schizophrenia,8,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,42,UW-116,2.25,term_life,500000,annual,4180.19,20.0,none,,,,False,none,independent_broker,True,False,False,0.002872,0.012579,SOA_2015_VBT,SOA_Scale_MP2023,2.456,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00359,0.02,False,,1.0,False,,,,0.03,0.0438,False,normal_rate,2.89,2.68,False,False,False,False,False,0.764,70.0,55.0,super_preferred_longevity,99.5,baseline,1.274,0.331,False,,False,,500000.0,31559.41,33744.16,33441.52,7942.36,False,0,1.98,-20.0
LI-2024-INS004-004770,2022-02-24,2,36,38,1986,male,former_smoker,20.3,70,141,WI,USA,divorced,high_school,white_collar,172194.48,0.5745,full_paramedical,97,50,221,57,3.88,78,,False,79.4,,False,False,False,True,False,none,,none,none,depression,5,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,53,UW-003,2.5,whole_life,250000,monthly,2249.2,,none,1491.18,,,False,none,direct_to_consumer,False,False,False,0.002951,0.018514,SOA_2015_VBT,SOA_Scale_MP2023,2.546,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004427,0.02,True,0.00605,1.0,False,,,,0.04,0.0695,False,normal_rate,5.83,0.84,False,False,False,False,False,0.881,57.8,55.0,super_preferred_longevity,100.0,baseline,1.069,0.768,False,,False,,248508.82,17920.25,15678.79,17993.6,4273.48,False,0,1.84,-20.0
LI-2024-INS004-004771,2001-02-24,26,31,57,1970,female,current_smoker,38.0,66,235,HI,USA,divorced,bachelors,heavy_blue_collar,189561.43,0.331,accelerated_UW,149,85,206,26,7.92,109,5.1,True,87.1,,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_4,1.06,4.0,False,False,False,True,6,UW-150,2.0,annuity_deferred,1000000,monthly,10927.31,,none,19319.36,,,True,quota_share,employer_group,False,False,False,0.015163,0.055914,SOA_2015_VBT,SOA_Scale_MP2023,2.147,cardiovascular,True,2022-09-08,False,False,241991.89,0.0007,5e-05,1.095,0.015163,0.018,False,,1.0,False,,,,0.01,0.0172,False,normal_rate,5.67,2.71,False,False,False,False,False,0.96,63.3,36.5,preferred_longevity,72.2,baseline,1.252,0.433,False,,True,-0.525,980680.64,90008.71,78890.38,87418.48,20761.89,False,0,0.0,-8.96
LI-2024-INS004-004772,2012-04-24,5,48,53,1964,male,former_smoker,23.8,76,195,NJ,USA,married,some_college,white_collar,115820.67,0.4987,accelerated_UW,115,65,177,46,3.85,100,4.6,False,69.8,3.29,True,False,False,False,False,none,,none,none,schizophrenia,7,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,16,UW-144,2.25,term_life,500000,annual,4389.3,30.0,none,,,,False,none,employer_group,False,False,False,0.008724,0.03343,SOA_2015_VBT,SOA_Scale_MP2023,2.293,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010905,0.015,False,,1.0,False,,,,0.07,0.1093,False,normal_rate,3.42,1.96,False,False,False,False,False,0.912,41.8,36.8,preferred_longevity,75.2,baseline,1.126,0.657,False,,False,,500000.0,32330.9,30910.68,35114.4,8339.67,False,0,-1.15,-14.5
LI-2024-INS004-004773,2004-11-17,20,69,89,1935,female,never_smoker,32.5,64,189,CT,USA,married,high_school,professional,49596.38,0.6321,full_paramedical,143,90,266,61,4.36,87,5.6,False,79.1,,False,False,False,True,False,none,,none,none,bipolar,0,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,40,UW-234,2.5,term_life,100000,semi_annual,1996.59,25.0,none,,,,False,none,captive_agent,False,False,False,0.102767,0.443243,SOA_2015_VBT,SOA_Scale_MP2023,2.742,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.15415,0.005,False,,1.0,False,,,,0.03,0.0358,False,normal_rate,5.01,1.03,False,False,False,False,False,0.832,20.2,1.0,sub_standard_longevity,23.5,baseline,1.026,0.526,False,,False,,100000.0,791.45,758.44,798.64,6828.34,False,0,0.54,-17.25
LI-2024-INS004-004774,2012-01-25,1,38,39,1974,non_binary,never_smoker,24.4,69,164,CO,USA,married,high_school,white_collar,70987.43,0.3833,non_med_guaranteed,127,81,174,58,3.0,107,6.0,False,68.3,,False,False,False,False,False,none,,none,none,schizophrenia,0,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,7,UW-493,2.25,term_life,250000,quarterly,1906.29,20.0,none,,,,False,none,captive_agent,False,False,False,0.002177,0.008918,SOA_2015_VBT,SOA_Scale_MP2023,2.347,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002722,0.018,False,,1.0,False,,,,0.1,0.1393,False,normal_rate,4.52,1.2,False,False,False,False,False,0.99,53.1,52.1,super_preferred_longevity,96.4,baseline,1.213,0.507,False,,False,,250000.0,13947.38,14810.71,15250.32,3621.95,False,0,2.53,-13.7
LI-2024-INS004-004775,2009-09-13,16,64,80,1945,female,never_smoker,28.0,61,148,NE,USA,married,some_college,white_collar,227471.75,0.4689,non_med_guaranteed,146,93,206,31,6.65,71,4.8,False,,,True,False,False,True,False,none,,none,none,anxiety,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,44,UW-095,2.5,universal_life,2000000,quarterly,30744.44,,10yr_declining,35760.7,,,True,facultative,captive_agent,False,False,False,0.047225,0.20717,SOA_2015_VBT,SOA_Scale_MP2023,2.514,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.070837,0.008,False,,1.0,False,,,,0.04,0.053,False,normal_rate,0.0,2.29,False,False,False,False,False,0.986,26.3,10.3,sub_standard_longevity,35.0,baseline,1.148,0.563,False,,False,,1964239.3,132340.14,124449.65,126667.09,82272.12,False,0,1.78,-15.83
LI-2024-INS004-004776,2016-08-07,7,43,50,1973,female,never_smoker,18.8,68,123,ME,USA,single,graduate,white_collar,23738.79,0.7132,full_paramedical,133,87,178,50,3.56,95,,False,75.9,,False,False,False,False,False,none,,none,none,none,4,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,36,UW-388,1.25,term_life,250000,semi_annual,1439.21,20.0,none,,,,False,none,independent_broker,False,False,False,0.004288,0.006861,SOA_2015_VBT,SOA_Scale_MP2023,1.399,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001072,0.018,False,,1.0,True,2026-05-04,non_payment,7.0,0.05,0.0565,False,normal_rate,3.77,0.62,False,False,True,False,False,0.844,53.2,46.1,super_preferred_longevity,92.3,baseline,0.965,0.719,True,32.4,False,,250000.0,12608.55,11133.51,11513.68,2734.5,False,0,-0.53,15.02
LI-2024-INS004-004777,2017-10-13,9,72,81,1945,male,never_smoker,29.9,65,179,WA,USA,single,bachelors,heavy_blue_collar,29810.41,0.4368,full_paramedical,152,87,221,50,4.42,88,,False,63.5,6.47,False,False,False,False,False,none,,none,none,anxiety,4,False,False,False,False,False,substandard_table_2,0.76,2.0,False,False,False,False,13,UW-313,1.5,term_life,250000,quarterly,2665.97,15.0,none,,,,False,none,captive_agent,False,False,False,0.064369,0.162817,SOA_2015_VBT,SOA_Scale_MP2023,1.731,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.032185,0.008,False,,1.0,False,,,,0.05,0.0675,False,normal_rate,3.49,1.12,False,True,False,False,False,0.99,14.1,5.1,sub_standard_longevity,26.7,baseline,1.172,0.469,False,,False,,250000.0,4930.0,5140.73,5438.58,8243.18,False,0,5.46,6.4
LI-2024-INS004-004778,2008-05-13,16,25,41,1983,male,never_smoker,31.9,61,169,NY,USA,single,bachelors,heavy_blue_collar,20000.0,0.6913,full_paramedical,130,84,195,55,3.55,140,4.8,False,81.6,1.37,False,False,False,False,False,none,,none,none,none,8,False,False,False,False,False,standard,1.08,,False,False,False,False,29,UW-116,1.08,group_life,2000000,annual,7469.78,,none,,,,True,coinsurance,bank,False,False,False,0.002761,0.003116,SOA_2015_VBT,SOA_Scale_MP2023,1.068,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000221,0.02,False,,1.0,False,,,,0.1,0.1147,False,normal_rate,1.79,0.74,False,False,False,False,False,0.936,68.8,52.8,super_preferred_longevity,100.0,baseline,0.982,0.567,False,,False,,2000000.0,55900.23,60802.61,59758.24,14192.58,False,0,7.98,16.51
LI-2024-INS004-004779,2004-10-27,4,30,34,1974,female,current_smoker,27.0,62,147,OK,USA,married,some_college,white_collar,72359.77,0.5039,accelerated_UW,120,78,219,48,4.56,106,,True,89.3,,False,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,True,True,substandard_table_7,,7.0,False,False,False,True,47,UW-444,2.75,universal_life,250000,quarterly,2203.93,,10yr_declining,1484.41,,,False,none,independent_broker,False,False,False,0.002868,0.014461,SOA_2015_VBT,SOA_Scale_MP2023,2.934,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005019,0.018,False,,1.0,False,,,,0.08,0.0467,False,normal_rate,4.01,1.3,False,False,False,False,False,0.821,65.6,55.0,super_preferred_longevity,100.0,baseline,1.122,0.573,False,,False,,248515.59,16183.13,17622.66,17631.44,4187.47,False,0,-1.12,-20.0
LI-2024-INS004-004780,2020-07-01,3,41,44,1979,male,never_smoker,18.6,72,137,WY,USA,married,bachelors,white_collar,67180.47,0.5785,full_paramedical,116,79,149,71,2.1,105,5.1,False,85.1,1.7,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,3,UW-012,0.81,term_life,500000,annual,1457.25,20.0,none,,,,False,none,employer_group,False,False,False,0.003406,0.005247,SOA_2015_VBT,SOA_Scale_MP2023,0.803,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,True,0.00233,1.0,True,2025-10-07,non_payment,3.0,0.07,0.1039,False,normal_rate,4.66,0.57,False,False,False,False,False,0.792,51.6,48.6,super_preferred_longevity,94.1,baseline,1.066,0.552,False,,False,,500000.0,10735.91,10834.31,11658.0,2768.78,False,0,2.64,24.26
LI-2024-INS004-004781,2011-01-14,10,75,85,1936,female,current_smoker,34.0,69,230,TX,USA,widowed,some_college,white_collar,50337.44,0.4678,simplified_issue,151,90,255,40,6.38,91,4.9,True,,,False,True,False,False,False,none,,none,very_severe_gold_4,depression,3,False,False,False,False,False,declined,,,False,False,True,False,13,UW-460,7.0,annuity_deferred,500000,monthly,23885.16,,none,21890.4,,,False,none,bank,False,False,False,0.147443,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,6.221,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.6,0.005,False,,1.0,False,,,,0.02,0.0265,False,normal_rate,4.14,1.69,False,False,False,False,False,0.868,13.7,3.7,sub_standard_longevity,25.1,baseline,1.149,0.405,False,,False,,478109.6,32033.03,36374.25,35350.04,76528.05,False,0,-5.0,-20.0
LI-2024-INS004-004782,2008-05-14,19,63,82,1945,male,never_smoker,33.8,60,173,PA,USA,married,high_school,heavy_blue_collar,64654.47,0.4636,accelerated_UW,154,95,211,38,5.55,89,5.5,False,68.1,5.64,False,True,False,False,False,none,,none,none,schizophrenia,2,False,False,False,True,True,substandard_table_5,1.16,5.0,False,False,False,True,25,UW-049,2.25,universal_life,500000,annual,7822.08,,15yr_declining,10239.92,,,False,none,captive_agent,False,False,False,0.070173,0.280003,SOA_2015_VBT,SOA_Scale_MP2023,2.378,cardiovascular,True,2011-03-16,False,False,673326.44,0.0007,5e-05,1.095,0.087716,0.008,False,,1.0,False,,,,0.04,0.0532,False,normal_rate,4.88,1.86,False,False,False,False,False,0.773,23.2,4.2,sub_standard_longevity,25.8,baseline,1.152,0.405,False,,False,,489760.08,13180.87,13539.37,13141.09,24749.06,False,0,-0.81,-11.57
LI-2024-INS004-004783,2019-09-26,2,19,21,2000,male,current_smoker,23.6,67,150,ND,USA,widowed,graduate,white_collar,20000.0,0.7477,full_paramedical,133,88,184,37,4.97,70,5.1,True,,,False,False,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,17,UW-272,1.75,term_life,1000000,annual,3045.62,15.0,none,,,,True,none,bank,False,False,False,0.002071,0.005342,SOA_2015_VBT,SOA_Scale_MP2023,1.947,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001554,0.012,False,,1.0,False,,,,0.07,0.0771,False,normal_rate,2.5,0.78,False,False,False,False,False,0.817,70.0,55.0,super_preferred_longevity,100.0,baseline,0.939,0.802,False,,False,,1000000.0,24502.72,24611.4,24364.96,5786.68,False,0,3.56,0.84
LI-2024-INS004-004784,2018-04-06,7,69,76,1949,male,never_smoker,20.6,61,108,FL,USA,single,graduate,professional,49840.23,0.3991,non_med_guaranteed,138,68,175,63,2.78,98,,False,62.9,2.83,False,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,38,UW-366,2.5,term_life,5000000,quarterly,88095.31,15.0,none,,,,True,quota_share,independent_broker,False,False,False,0.043041,0.205538,SOA_2015_VBT,SOA_Scale_MP2023,2.728,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.064561,0.008,False,,1.0,False,,,,0.05,0.069,False,normal_rate,4.43,2.57,False,False,False,False,False,0.939,17.6,10.6,sub_standard_longevity,34.4,baseline,1.201,0.461,False,,False,,5000000.0,392600.46,338821.36,373524.11,233628.76,False,0,-1.98,-16.24
LI-2024-INS004-004785,2001-05-16,22,60,82,1941,male,never_smoker,27.3,62,148,SC,USA,married,some_college,white_collar,23844.3,0.5844,full_paramedical,146,86,195,53,3.68,94,5.2,False,65.1,20.0,False,False,False,False,False,none,,none,none,schizophrenia,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,29,UW-248,2.25,universal_life,250000,quarterly,4224.51,,10yr_declining,6122.26,,,False,none,employer_group,False,False,False,0.067954,0.263652,SOA_2015_VBT,SOA_Scale_MP2023,2.477,infectious,True,2004-12-02,False,False,1015562.36,0.0007,5e-05,1.095,0.084943,0.008,False,,1.0,False,,,,0.04,0.0592,False,normal_rate,4.65,1.18,False,False,False,False,False,0.752,26.1,4.1,sub_standard_longevity,27.4,baseline,1.062,0.334,False,,False,,243877.74,6611.68,6404.22,6928.2,13400.15,False,0,-2.45,-15.54
LI-2024-INS004-004786,2024-04-15,2,35,37,1989,male,never_smoker,22.3,70,155,AZ,USA,single,bachelors,light_blue_collar,68321.39,0.9652,limited_exam,107,70,150,88,1.7,60,5.7,False,111.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,14,UW-099,2.25,universal_life,500000,semi_annual,3136.07,,15yr_declining,1899.91,,,False,none,independent_broker,False,False,False,0.002134,0.006598,SOA_2015_VBT,SOA_Scale_MP2023,2.373,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002668,0.02,False,,1.0,False,,,,0.08,0.0334,False,normal_rate,4.23,2.77,True,False,False,False,False,0.752,60.8,55.0,super_preferred_longevity,100.0,baseline,0.776,0.906,True,67.2,True,-0.555,498100.09,22803.73,26003.35,25088.56,5958.53,False,0,0.67,-9.93
LI-2024-INS004-004787,2020-10-26,3,72,75,1948,female,current_smoker,15.0,66,92,OH,USA,married,bachelors,professional,59127.16,0.884,accelerated_UW,132,80,212,61,3.48,71,,True,72.1,,False,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,declined,,,False,True,True,True,3,UW-219,7.0,term_life,1000000,monthly,37877.73,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.062603,0.752149,SOA_2015_VBT,SOA_Scale_MP2023,7.114,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.375619,0.008,True,0.00376,1.0,False,,,,0.07,0.0695,False,normal_rate,1.96,1.49,False,False,False,False,False,0.894,20.4,17.4,standard_longevity,51.9,baseline,0.837,0.87,False,,False,,1000000.0,258858.71,241173.64,263629.0,79846.26,False,0,-5.0,-20.0
LI-2024-INS004-004788,2013-03-02,12,41,53,1972,female,never_smoker,26.4,61,139,NM,USA,single,bachelors,professional,29622.31,0.6392,full_paramedical,117,71,195,53,3.68,117,,False,80.4,,False,False,True,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,30,UW-316,2.25,universal_life,2000000,monthly,19148.74,,10yr_declining,19657.46,,,True,excess_of_loss,employer_group,False,False,False,0.005451,0.020058,SOA_2015_VBT,SOA_Scale_MP2023,2.381,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006813,0.018,False,,1.0,False,,,,0.04,0.0571,False,normal_rate,2.52,2.19,False,False,False,False,False,0.923,57.8,45.8,super_preferred_longevity,100.0,baseline,1.021,0.726,False,,False,,1980342.54,139658.52,152366.76,153189.92,36382.61,False,0,0.55,-6.33
LI-2024-INS004-004789,2018-09-14,8,67,75,1951,male,never_smoker,24.8,73,187,MO,USA,married,some_college,hazardous,20000.0,0.7276,full_paramedical,134,84,177,54,3.28,85,5.3,False,55.1,6.17,False,False,False,False,False,none,,none,none,depression,27,False,False,False,False,False,substandard_table_3,3.18,3.0,True,False,False,False,17,UW-185,1.75,annuity_immediate,500000,annual,5537.53,,none,,,,False,none,independent_broker,False,False,False,0.037877,0.0977,SOA_2015_VBT,SOA_Scale_MP2023,1.917,cardiovascular,True,2021-06-17,False,False,1037529.31,0.0007,5e-05,1.095,0.028408,0.012,False,,1.0,False,,,,0.003,0.005,False,normal_rate,1.37,1.02,False,False,False,False,False,0.843,21.5,13.5,standard_longevity,43.7,baseline,0.954,0.622,False,,False,,500000.0,31013.65,26262.15,29902.66,13400.82,False,0,1.99,6.34
LI-2024-INS004-004790,2004-12-24,12,49,61,1955,male,never_smoker,20.4,75,163,NM,USA,married,bachelors,professional,136479.84,0.3336,full_paramedical,120,74,159,42,3.79,76,5.3,False,81.2,9.29,False,False,True,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,13,UW-376,2.25,whole_life,500000,semi_annual,6521.42,,none,6589.53,,,False,none,captive_agent,False,False,False,0.011782,0.050629,SOA_2015_VBT,SOA_Scale_MP2023,2.438,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014728,0.012,False,,1.0,False,,,,0.015,0.0215,False,normal_rate,1.79,1.98,False,False,False,False,False,0.983,41.5,29.5,preferred_longevity,71.8,baseline,1.25,0.232,False,,False,,493410.47,55419.72,53337.51,52171.36,12390.7,False,0,2.23,-9.63
LI-2024-INS004-004791,2007-11-15,20,76,96,1931,male,never_smoker,28.8,74,224,AK,USA,single,bachelors,white_collar,76739.73,0.7968,full_paramedical,149,81,228,38,6.0,101,,False,52.2,20.0,False,False,False,True,False,none,,none,none,depression,1,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,41,UW-362,2.5,universal_life,2000000,annual,37149.18,,10yr_declining,52280.06,,,True,excess_of_loss,independent_broker,False,False,False,0.221434,0.835304,SOA_2015_VBT,SOA_Scale_MP2023,2.518,respiratory,True,2008-08-22,True,False,585803.02,0.0007,5e-05,1.095,0.332151,0.005,False,,1.0,False,,,,0.04,0.0425,False,normal_rate,2.07,0.59,False,False,False,False,False,0.971,9.2,1.0,sub_standard_longevity,26.0,baseline,0.902,0.93,False,,False,,1947719.94,14470.8,13856.51,14859.67,127050.2,False,0,3.49,-18.5
LI-2024-INS004-004792,2007-05-13,11,20,31,1987,female,never_smoker,30.2,64,175,ND,USA,married,bachelors,heavy_blue_collar,52299.1,0.8216,full_paramedical,124,81,235,33,7.12,102,,False,,,False,False,False,False,False,none,,none,none,bipolar,6,False,True,False,False,False,substandard_table_4,0.71,4.0,False,False,False,False,28,UW-262,2.0,universal_life,250000,annual,1177.72,,10yr_declining,1145.43,,,False,none,independent_broker,True,False,False,0.001226,0.003415,SOA_2015_VBT,SOA_Scale_MP2023,2.021,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001226,0.02,False,,1.0,False,,,,0.04,0.1287,True,normal_rate,3.82,2.16,False,False,False,False,False,0.91,70.0,65.3,super_preferred_longevity,100.0,baseline,0.884,0.612,True,85.9,False,,248854.57,10087.1,9497.09,9421.76,2237.67,False,0,0.75,-2.3
LI-2024-INS004-004793,2004-10-20,17,68,85,1936,female,unknown,35.7,72,263,SD,USA,married,high_school,professional,80390.08,0.6782,full_paramedical,151,94,300,52,5.77,111,4.7,False,95.8,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,21,UW-359,1.5,term_life,5000000,quarterly,48608.84,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.08478,0.185353,SOA_2015_VBT,SOA_Scale_MP2023,1.701,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04239,0.005,False,,1.0,False,,,,0.03,0.0347,False,normal_rate,3.87,2.86,False,False,False,False,False,0.886,21.5,4.5,sub_standard_longevity,29.4,baseline,0.991,0.708,False,,False,,5000000.0,91466.07,84247.88,87495.91,152631.76,False,0,3.99,10.12
LI-2024-INS004-004794,2021-02-08,1,79,80,1942,male,never_smoker,25.9,76,213,NE,USA,married,some_college,white_collar,50689.97,0.8379,limited_exam,131,73,225,57,3.95,103,5.3,False,,7.45,False,True,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,5,UW-037,2.0,universal_life,1000000,semi_annual,15032.39,,15yr_declining,9120.52,4733.55,0.519,True,none,independent_broker,False,False,False,0.057625,0.168293,SOA_2015_VBT,SOA_Scale_MP2023,2.154,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.057625,0.008,True,0.00248,1.0,False,,,,0.12,0.0334,False,normal_rate,1.75,2.0,False,False,False,False,False,0.89,8.3,7.4,standard_longevity,36.2,baseline,0.872,0.814,True,38.2,False,,990879.48,48903.51,43928.92,44495.87,43714.19,False,0,2.35,-0.78
LI-2024-INS004-004795,2000-11-28,26,41,67,1959,female,never_smoker,26.5,65,159,GA,USA,single,graduate,professional,32630.47,0.8005,full_paramedical,146,85,201,51,3.94,87,4.9,False,68.3,,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-235,1.5,term_life,500000,annual,4604.43,30.0,none,,,,False,none,bank,False,False,False,0.016601,0.032017,SOA_2015_VBT,SOA_Scale_MP2023,1.588,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008301,0.012,False,,1.0,False,,,,0.03,0.0318,False,normal_rate,1.96,2.4,False,False,False,False,False,0.865,53.0,27.0,preferred_longevity,65.0,baseline,0.9,0.857,False,,False,,500000.0,38418.58,32028.93,36835.44,8748.42,False,0,1.78,2.84
LI-2024-INS004-004796,2023-06-14,4,41,45,1982,female,former_smoker,31.9,62,174,TN,USA,single,some_college,white_collar,67013.6,0.7118,accelerated_UW,136,75,233,75,3.11,112,,False,77.1,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,25,UW-070,1.25,term_life,1000000,monthly,5341.73,25.0,none,,,,True,none,captive_agent,False,False,False,0.003809,0.005673,SOA_2015_VBT,SOA_Scale_MP2023,1.283,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000952,0.02,False,,1.0,False,,,,0.07,0.0791,False,normal_rate,3.61,1.25,False,False,False,False,False,0.847,56.7,52.7,super_preferred_longevity,100.0,baseline,0.966,0.781,False,,False,,1000000.0,46141.18,40577.97,42733.84,10149.29,False,0,4.67,16.47
LI-2024-INS004-004797,2005-05-08,1,22,23,1983,female,never_smoker,28.2,58,134,MO,USA,divorced,bachelors,white_collar,89420.07,0.6934,accelerated_UW,128,78,190,45,4.22,90,5.2,False,87.3,,True,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,True,8,UW-348,2.25,whole_life,1000000,quarterly,3812.65,,none,2448.43,,,True,none,bank,False,False,False,0.000882,0.003052,SOA_2015_VBT,SOA_Scale_MP2023,2.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001103,0.02,False,,1.0,False,,,,0.06,0.0687,False,normal_rate,3.96,0.53,False,False,False,False,False,0.759,70.0,55.0,super_preferred_longevity,100.0,baseline,0.98,0.606,False,,False,,997551.57,29658.17,27261.11,30501.2,7244.03,False,0,-2.58,-16.19
LI-2024-INS004-004798,2021-11-05,1,67,68,1954,non_binary,former_smoker,29.4,66,181,AL,USA,single,some_college,heavy_blue_collar,88937.91,0.7367,full_paramedical,144,91,181,48,3.77,84,,False,87.0,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,substandard_table_5,1.16,5.0,False,False,False,False,17,UW-330,2.25,universal_life,500000,monthly,6770.66,,15yr_declining,4320.82,,,False,none,independent_broker,False,False,False,0.024936,0.088149,SOA_2015_VBT,SOA_Scale_MP2023,2.31,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.031169,0.012,True,0.0024,1.0,False,,,,0.12,0.06,False,normal_rate,1.82,1.91,False,False,False,False,False,0.904,22.0,21.0,standard_longevity,55.1,baseline,0.947,0.85,False,,False,,495679.18,56533.15,53179.39,54165.28,12864.25,False,0,-1.97,-10.58
LI-2024-INS004-004799,2022-08-04,1,62,63,1960,female,current_smoker,28.7,66,177,SC,USA,married,high_school,white_collar,96915.36,0.7478,full_paramedical,139,86,195,45,4.33,120,5.0,True,86.1,,False,False,False,False,False,none,,none,mild_gold_1,depression,6,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,28,UW-427,2.0,universal_life,250000,monthly,2827.99,,15yr_declining,1662.97,,,False,none,captive_agent,False,False,False,0.023413,0.072346,SOA_2015_VBT,SOA_Scale_MP2023,2.079,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023413,0.015,True,0.00322,1.0,False,,,,0.12,0.0595,False,normal_rate,1.21,2.78,False,False,False,False,False,0.772,32.2,32.7,preferred_longevity,72.8,baseline,0.939,0.743,False,,True,0.998,248337.03,20414.93,22662.6,22623.92,5373.18,False,0,2.02,0.03
LI-2024-INS004-004800,2021-03-15,2,48,50,1973,male,never_smoker,32.8,71,235,CT,USA,single,some_college,light_blue_collar,55059.88,0.5362,full_paramedical,149,89,219,39,5.62,99,5.0,False,73.0,2.73,False,False,False,False,False,none,,none,none,substance_use_disorder,17,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-437,2.25,whole_life,2000000,annual,17463.52,,none,11591.66,,,True,excess_of_loss,worksite,False,False,False,0.005359,0.0242,SOA_2015_VBT,SOA_Scale_MP2023,2.252,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006699,0.018,True,0.00425,1.0,False,,,,0.04,0.0508,False,normal_rate,2.5,2.56,False,False,False,False,False,0.8,43.5,47.1,super_preferred_longevity,91.2,baseline,1.098,0.418,True,73.2,False,,1988408.34,131945.16,123440.44,139708.16,33180.69,False,0,1.93,-17.31
LI-2024-INS004-004801,2012-06-02,6,34,40,1978,female,never_smoker,31.2,70,217,LA,USA,married,high_school,professional,59446.16,0.4873,full_paramedical,123,74,184,52,3.54,99,,True,,,False,False,False,True,False,none,,none,none,schizophrenia,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,27,UW-316,2.5,annuity_immediate,250000,annual,2018.88,,none,,,,False,none,employer_group,False,False,False,0.004132,0.018673,SOA_2015_VBT,SOA_Scale_MP2023,2.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006198,0.018,False,,1.0,False,,,,0.003,0.005,False,normal_rate,4.91,2.21,False,False,False,False,False,0.879,62.1,55.0,super_preferred_longevity,100.0,baseline,1.135,0.389,False,,False,,250000.0,14690.67,15527.25,16151.04,3835.87,False,0,3.17,-17.61
LI-2024-INS004-004802,2016-09-03,7,50,57,1966,male,former_smoker,20.2,69,136,MA,USA,single,high_school,heavy_blue_collar,59332.22,0.3499,full_paramedical,125,64,221,56,3.95,121,5.4,False,77.6,8.27,False,False,False,True,True,lymphoma,1.1,none,none,none,3,False,False,False,False,True,substandard_table_12,0.76,12.0,False,False,False,False,39,UW-379,4.0,indexed_ul,5000000,monthly,93504.86,,15yr_declining,70834.27,,,True,excess_of_loss,captive_agent,False,False,False,0.01232,0.125911,SOA_2015_VBT,SOA_Scale_MP2023,5.834,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03696,0.015,False,,1.0,False,,,,0.06,0.0383,False,normal_rate,3.41,2.03,False,False,False,False,False,0.859,39.5,33.4,preferred_longevity,67.8,baseline,1.238,0.278,True,42.4,False,,4929165.73,789717.53,657626.22,748038.88,177659.23,False,0,-4.94,-20.0
LI-2024-INS004-004803,2001-11-11,12,49,61,1952,female,former_smoker,18.5,60,94,CA,USA,married,graduate,white_collar,65202.15,0.2469,limited_exam,127,65,218,57,3.82,95,4.7,False,76.3,,False,False,False,False,False,none,,none,none,none,1,False,True,False,False,False,preferred,,,False,False,False,False,20,UW-222,0.83,term_life,2000000,monthly,8962.4,20.0,none,,,,True,coinsurance,captive_agent,False,False,False,0.011818,0.012073,SOA_2015_VBT,SOA_Scale_MP2023,0.777,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.03,0.0451,False,normal_rate,4.98,1.07,False,False,False,False,False,0.939,41.7,29.7,preferred_longevity,60.8,baseline,1.315,0.28,False,,False,,2000000.0,77563.06,72934.31,71699.2,17028.56,False,0,2.49,17.88
LI-2024-INS004-004804,2015-03-27,2,57,59,1958,female,never_smoker,33.7,67,215,GA,USA,single,bachelors,heavy_blue_collar,47984.8,0.8081,accelerated_UW,124,81,244,69,3.54,98,4.9,False,,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,0.76,1.0,False,False,False,True,20,UW-253,1.25,universal_life,1000000,quarterly,6152.15,,10yr_declining,4176.09,,,True,excess_of_loss,captive_agent,False,False,False,0.008245,0.011384,SOA_2015_VBT,SOA_Scale_MP2023,1.265,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002061,0.012,False,,1.0,False,,,,0.08,0.0379,False,normal_rate,3.15,2.64,False,False,False,False,False,0.961,36.9,38.3,super_preferred_longevity,82.1,baseline,0.894,0.864,True,63.2,False,,995823.91,52076.82,45282.96,49217.2,11689.08,False,0,2.81,15.17
LI-2024-INS004-004805,2015-09-16,2,27,29,1988,male,never_smoker,28.7,72,211,MD,USA,married,less_than_hs,professional,38540.11,0.3796,full_paramedical,117,71,181,63,2.87,107,4.0,False,96.1,,False,False,True,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-448,1.25,term_life,1000000,annual,3112.34,20.0,none,,,,True,coinsurance,worksite,False,False,False,0.001394,0.00258,SOA_2015_VBT,SOA_Scale_MP2023,1.317,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000349,0.02,False,,1.0,True,2025-07-24,voluntary_surrender,2.0,0.07,0.0977,False,normal_rate,4.29,1.09,False,False,False,False,False,0.814,69.3,55.0,super_preferred_longevity,100.0,baseline,1.215,0.162,False,,False,,1000000.0,27030.93,24676.37,24898.72,5913.45,False,0,1.16,4.31
LI-2024-INS004-004806,2016-01-18,9,79,88,1937,male,never_smoker,23.8,74,185,AK,USA,divorced,graduate,professional,44748.13,0.8343,simplified_issue,152,92,266,52,5.12,88,,False,58.5,11.52,True,False,False,True,False,none,,none,none,none,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,43,UW-407,2.5,group_life,2000000,semi_annual,39242.71,,none,,,,True,quota_share,captive_agent,True,False,False,0.119354,0.442823,SOA_2015_VBT,SOA_Scale_MP2023,2.528,cardiovascular,True,2020-12-19,False,False,853997.49,0.0007,5e-05,1.095,0.179031,0.005,False,,1.0,False,,,,0.12,0.1239,False,normal_rate,4.92,2.35,False,False,False,False,False,0.891,7.3,1.0,sub_standard_longevity,26.5,baseline,0.874,0.825,False,,False,,2000000.0,15441.71,14002.96,15697.08,134210.07,False,0,-0.27,-16.35
LI-2024-INS004-004807,2018-02-26,2,26,28,1992,female,never_smoker,29.1,70,202,NH,USA,married,bachelors,light_blue_collar,20000.0,0.6876,full_paramedical,130,81,151,54,2.8,110,5.9,False,67.5,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,23,UW-487,2.25,indexed_ul,500000,quarterly,2311.61,,10yr_declining,1457.07,,,False,none,direct_to_consumer,False,False,False,0.001067,0.003828,SOA_2015_VBT,SOA_Scale_MP2023,2.375,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001334,0.022,False,,1.0,False,,,,0.08,0.058,False,normal_rate,2.2,1.61,False,False,False,False,False,0.859,70.0,55.0,super_preferred_longevity,100.0,baseline,0.984,0.707,False,,False,,498542.93,18475.78,17251.65,18492.88,4392.06,False,0,1.39,-8.09
LI-2024-INS004-004808,2016-02-12,5,35,40,1981,male,never_smoker,38.2,63,215,PA,USA,single,high_school,white_collar,197830.12,0.3161,limited_exam,122,78,227,45,5.04,106,8.2,False,117.8,1.62,False,False,True,False,False,none,,type_2,none,substance_use_disorder,4,False,False,False,False,True,standard,,,False,True,False,False,38,UW-165,1.0,whole_life,2000000,monthly,6564.55,,none,5175.05,,,True,quota_share,direct_to_consumer,False,False,False,0.002583,0.003549,SOA_2015_VBT,SOA_Scale_MP2023,1.088,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.081,False,normal_rate,3.61,0.55,False,False,False,False,False,0.95,60.0,60.9,super_preferred_longevity,100.0,baseline,1.263,0.376,True,65.4,False,,1994824.95,55125.36,46634.63,52516.4,12472.64,False,0,5.98,13.77
LI-2024-INS004-004809,2014-05-25,10,66,76,1948,female,former_smoker,16.8,71,120,WA,USA,married,some_college,light_blue_collar,20000.0,0.5595,full_paramedical,133,74,166,48,3.46,61,4.6,False,68.7,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,standard,,,False,False,False,False,25,UW-325,1.09,universal_life,1000000,annual,6718.9,,15yr_declining,6384.84,,,True,quota_share,employer_group,True,False,False,0.044404,0.055664,SOA_2015_VBT,SOA_Scale_MP2023,1.077,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003996,0.008,False,,1.0,False,,,,0.06,0.0406,False,normal_rate,2.87,2.51,False,False,False,False,False,0.995,25.1,15.1,standard_longevity,43.5,baseline,1.08,0.641,False,,False,,993615.16,44129.98,41116.6,40582.16,15399.72,False,0,0.42,15.24
LI-2024-INS004-004810,2004-02-15,13,47,60,1957,female,never_smoker,23.3,65,140,ID,USA,divorced,some_college,professional,228830.48,0.6337,full_paramedical,159,100,224,42,5.33,83,5.4,False,82.0,,True,False,False,False,False,none,,none,none,substance_use_disorder,6,False,False,False,False,False,standard,,,False,True,False,False,5,UW-169,1.0,universal_life,250000,annual,1145.91,,15yr_declining,1213.45,,,False,none,captive_agent,False,False,False,0.008867,0.009141,SOA_2015_VBT,SOA_Scale_MP2023,1.006,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0215,False,normal_rate,2.95,1.03,False,False,False,False,False,0.841,46.0,33.8,preferred_longevity,72.7,baseline,1.025,0.813,True,41.1,False,,248786.55,9115.16,9519.16,9167.28,2177.23,False,0,8.07,21.15
LI-2024-INS004-004811,2012-03-07,12,59,71,1953,male,former_smoker,17.3,71,123,OK,USA,divorced,some_college,white_collar,405210.81,0.6487,full_paramedical,141,76,220,52,4.23,91,,False,62.1,10.0,True,False,False,False,False,none,,none,none,schizophrenia,5,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,27,UW-163,2.25,whole_life,500000,monthly,7520.67,,none,7750.17,,,False,none,independent_broker,False,False,False,0.035564,0.133048,SOA_2015_VBT,SOA_Scale_MP2023,2.458,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.044455,0.012,False,,1.0,False,,,,0.015,0.0177,False,normal_rate,3.4,2.99,False,False,False,False,False,0.751,29.5,18.0,standard_longevity,49.2,baseline,1.013,0.684,True,42.1,False,,492249.83,49947.07,46376.49,54148.82,15492.58,False,0,-0.89,-12.71
LI-2024-INS004-004812,2001-12-03,16,68,84,1933,female,never_smoker,28.3,63,159,RI,USA,married,bachelors,professional,253512.98,0.7081,limited_exam,119,58,265,59,4.49,123,5.2,False,,,True,False,True,True,False,none,,none,none,bipolar,10,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,20,UW-493,2.5,term_life,2000000,annual,30704.13,20.0,none,,,,True,none,captive_agent,False,False,False,0.066677,0.26883,SOA_2015_VBT,SOA_Scale_MP2023,2.613,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.100016,0.005,False,,1.0,False,,,,0.03,0.034,False,normal_rate,2.99,1.27,False,False,False,False,False,0.841,24.2,8.4,standard_longevity,45.7,baseline,0.969,0.685,True,40.1,False,,2000000.0,97051.44,100608.6,103165.88,86831.28,False,0,2.79,-16.25
LI-2024-INS004-004813,2011-06-05,15,19,34,1992,male,unknown,21.9,74,170,MN,USA,single,high_school,white_collar,73478.8,0.381,full_paramedical,127,82,167,44,3.8,88,4.7,False,,,False,False,True,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-039,1.25,universal_life,1000000,semi_annual,3726.77,,10yr_declining,4264.98,,,True,excess_of_loss,captive_agent,True,False,False,0.002061,0.003992,SOA_2015_VBT,SOA_Scale_MP2023,1.389,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000515,0.022,False,,1.0,False,,,,0.04,0.0558,False,normal_rate,5.2,2.77,False,False,False,False,False,0.846,70.0,55.0,super_preferred_longevity,100.0,baseline,1.214,0.433,False,,False,,995735.02,28434.98,26391.71,29814.16,7080.86,False,0,2.16,7.97
LI-2024-INS004-004814,2023-09-08,1,39,40,1984,male,never_smoker,15.9,63,90,HI,USA,divorced,high_school,hazardous,108457.46,0.8807,full_paramedical,119,74,222,63,3.52,81,5.1,False,104.2,0.75,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,declined,,,True,False,True,False,26,UW-500,7.0,universal_life,250000,monthly,5844.16,,10yr_declining,3452.02,,,False,none,bank,False,False,False,0.002583,0.028992,SOA_2015_VBT,SOA_Scale_MP2023,6.225,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015496,0.02,False,,1.0,False,,,,0.12,0.0538,False,normal_rate,2.16,1.76,False,False,False,False,False,0.883,55.7,54.7,super_preferred_longevity,100.0,baseline,0.839,0.829,False,,False,,246547.98,44931.21,46206.28,46753.28,11103.9,False,0,-5.0,-20.0
LI-2024-INS004-004815,2004-10-03,20,79,99,1925,male,former_smoker,31.3,76,257,MN,USA,single,bachelors,professional,82988.07,0.5874,full_paramedical,136,90,258,44,5.86,110,,False,,10.24,False,False,True,False,True,lung,1.9,none,none,schizophrenia,3,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,32,UW-427,4.0,term_life,1000000,annual,35832.23,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.264268,0.9999,SOA_2015_VBT,SOA_Scale_MP2023,5.494,cancer,True,2016-02-24,False,False,1631464.73,0.0007,5e-05,1.095,0.6,0.012,False,,1.0,False,,,,0.03,0.0369,False,normal_rate,4.56,1.94,False,False,False,False,False,0.849,8.1,1.0,sub_standard_longevity,32.8,baseline,1.059,0.484,False,,False,,1000000.0,15493.73,13696.75,14332.89,122546.23,False,0,-5.0,-20.0
LI-2024-INS004-004816,2007-12-28,4,34,38,1973,male,former_smoker,25.2,60,129,NE,USA,married,bachelors,white_collar,86090.65,0.825,full_paramedical,143,83,120,67,1.79,88,4.8,False,91.7,,False,False,True,False,False,none,,none,none,anxiety,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-152,1.25,term_life,2000000,monthly,7879.15,20.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.002951,0.004221,SOA_2015_VBT,SOA_Scale_MP2023,1.339,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000738,0.018,False,,1.0,False,,,,0.07,0.0728,False,normal_rate,5.83,2.8,False,False,False,False,False,0.945,61.7,55.0,super_preferred_longevity,100.0,baseline,0.881,0.87,False,,False,,2000000.0,60864.77,61624.58,63033.2,14970.38,False,0,2.79,14.96
LI-2024-INS004-004817,2008-03-24,11,75,86,1933,male,never_smoker,24.7,75,197,PA,USA,single,graduate,professional,49886.87,0.8262,full_paramedical,125,82,241,32,7.53,82,,False,,8.66,False,True,False,True,False,none,,none,none,none,4,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,54,UW-050,2.5,group_life,2000000,quarterly,31963.89,,none,,,,True,none,independent_broker,False,False,False,0.09883,0.383595,SOA_2015_VBT,SOA_Scale_MP2023,2.705,respiratory,True,2010-01-26,True,True,1484863.93,0.0007,5e-05,1.095,0.148245,0.005,False,,1.0,False,,,,0.1,0.1039,False,normal_rate,5.21,2.07,False,False,False,False,False,0.793,10.7,1.0,sub_standard_longevity,26.4,baseline,0.88,1.0,False,,False,,2000000.0,12588.41,11048.14,12785.56,109316.5,False,0,0.5,-12.86
LI-2024-INS004-004818,2023-05-10,2,53,55,1970,male,never_smoker,30.8,72,227,MS,USA,married,graduate,white_collar,32918.81,0.8195,full_paramedical,154,89,166,46,3.61,106,6.1,False,73.8,2.55,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,20,UW-087,1.0,term_life,500000,monthly,2226.22,20.0,none,,,,True,none,independent_broker,False,False,False,0.008025,0.007418,SOA_2015_VBT,SOA_Scale_MP2023,1.044,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0731,False,normal_rate,0.8,1.97,False,False,False,False,False,0.962,39.2,37.2,super_preferred_longevity,80.6,baseline,0.885,0.819,False,,False,,500000.0,17536.2,17571.52,17809.76,4229.82,False,0,0.91,12.95
LI-2024-INS004-004819,2011-03-06,7,70,77,1941,male,unknown,22.8,64,132,ME,USA,single,high_school,hazardous,93909.55,0.4868,full_paramedical,149,83,234,62,3.77,65,6.0,False,,6.04,False,False,False,False,False,none,,none,none,none,13,False,False,False,False,False,substandard_table_2,3.35,2.0,True,False,False,False,17,UW-149,1.5,universal_life,500000,quarterly,4797.89,,15yr_declining,4088.71,,,False,none,captive_agent,False,False,False,0.050646,0.116139,SOA_2015_VBT,SOA_Scale_MP2023,1.58,cardiovascular,True,2017-04-01,False,False,391509.46,0.0007,5e-05,1.095,0.025323,0.008,False,,1.0,False,,,,0.06,0.0354,False,normal_rate,2.93,2.37,False,False,False,False,False,0.868,15.7,8.7,sub_standard_longevity,32.9,baseline,1.135,0.53,False,,False,,495911.29,16325.76,15294.29,16696.66,13453.28,False,0,3.61,6.15
LI-2024-INS004-004820,2014-05-14,10,47,57,1967,male,never_smoker,42.3,70,294,AZ,USA,married,bachelors,light_blue_collar,27562.67,0.5204,limited_exam,139,87,201,46,4.37,87,5.7,False,73.0,2.61,False,False,False,False,False,none,,pre_diabetes,none,bipolar,2,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,50,UW-261,2.0,term_life,250000,monthly,2412.7,15.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.009477,0.030647,SOA_2015_VBT,SOA_Scale_MP2023,2.013,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009477,0.015,False,,1.0,False,,,,0.05,0.0642,False,normal_rate,3.42,2.08,False,False,False,False,False,0.919,43.3,33.3,preferred_longevity,70.3,baseline,1.11,0.437,False,,False,,250000.0,20267.87,18391.12,19301.6,4584.13,False,0,0.03,-5.98
LI-2024-INS004-004821,2010-11-10,3,50,53,1960,male,unknown,32.4,72,238,NM,USA,married,high_school,white_collar,20306.89,0.9226,simplified_issue,153,102,206,50,4.12,99,5.4,False,89.5,1.9,False,False,False,False,True,prostate,8.1,none,none,none,3,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,41,UW-256,2.0,term_life,2000000,quarterly,16087.94,20.0,none,,,,True,none,captive_agent,False,False,False,0.007265,0.01937,SOA_2015_VBT,SOA_Scale_MP2023,2.062,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007265,0.015,False,,1.0,False,,,,0.07,0.0673,False,normal_rate,5.24,0.52,False,False,False,False,False,0.844,40.9,37.9,super_preferred_longevity,83.2,baseline,0.808,0.898,False,,False,,2000000.0,139882.84,127029.13,128703.52,30567.09,False,0,6.86,-4.28
LI-2024-INS004-004822,2020-02-18,1,61,62,1959,female,current_smoker,27.8,63,156,AK,USA,single,graduate,white_collar,163207.68,0.437,full_paramedical,147,88,232,39,5.95,99,,True,71.8,,False,False,False,True,False,none,,none,none,depression,5,False,True,False,False,True,substandard_table_8,,8.0,False,False,False,False,42,UW-440,3.0,universal_life,100000,annual,1733.48,,15yr_declining,1058.96,,,True,none,captive_agent,False,False,False,0.021553,0.131686,SOA_2015_VBT,SOA_Scale_MP2023,3.326,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.043105,0.012,True,0.00455,1.0,False,,,,0.12,0.0729,False,normal_rate,1.74,3.0,False,True,False,False,False,0.919,31.6,30.6,preferred_longevity,65.0,baseline,1.172,0.432,False,,False,,98941.04,14245.15,12470.07,13867.84,3293.61,False,0,1.55,-20.0
LI-2024-INS004-004823,2018-11-15,9,37,46,1981,male,former_smoker,30.0,74,234,VA,USA,married,bachelors,white_collar,34925.4,0.9414,accelerated_UW,147,91,246,47,5.23,114,4.9,False,,1.36,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,18,UW-319,1.5,universal_life,500000,quarterly,2552.04,,15yr_declining,2278.56,,,True,none,captive_agent,False,False,False,0.005126,0.009559,SOA_2015_VBT,SOA_Scale_MP2023,1.719,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002563,0.02,False,,1.0,False,,,,0.06,0.0256,False,normal_rate,4.47,0.66,False,False,False,False,False,0.776,57.5,48.5,super_preferred_longevity,99.4,baseline,0.794,1.0,False,,False,,497721.44,22125.05,20114.52,20416.32,4848.88,False,0,1.55,10.74
LI-2024-INS004-004824,2023-11-25,4,28,32,1995,male,never_smoker,31.5,64,183,NC,USA,married,graduate,white_collar,20000.0,0.7802,full_paramedical,114,67,212,42,5.05,80,5.2,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-057,1.25,universal_life,500000,monthly,1620.47,,15yr_declining,1162.57,,,True,quota_share,captive_agent,False,False,False,0.001611,0.002325,SOA_2015_VBT,SOA_Scale_MP2023,1.304,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.022,False,,1.0,False,,,,0.08,0.0387,False,normal_rate,3.49,0.64,False,False,False,False,False,0.972,68.1,59.3,super_preferred_longevity,100.0,baseline,0.915,0.87,True,57.6,False,,498837.43,13526.95,11887.17,12963.76,3078.89,False,0,3.25,9.52
LI-2024-INS004-004825,2004-02-09,3,60,63,1944,female,never_smoker,22.3,71,159,NY,USA,divorced,some_college,white_collar,20000.0,0.7283,limited_exam,146,91,209,56,3.73,92,5.9,False,,,True,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,12,UW-410,2.25,whole_life,1000000,monthly,13311.98,,none,9187.15,,,True,facultative,worksite,False,False,False,0.010666,0.03798,SOA_2015_VBT,SOA_Scale_MP2023,2.423,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013332,0.008,False,,1.0,False,,,,0.04,0.0447,False,normal_rate,1.05,1.1,False,False,False,False,False,0.858,31.2,28.2,preferred_longevity,65.7,baseline,0.954,0.695,False,,False,,990812.85,103173.42,102675.44,106495.84,25292.76,False,0,1.26,-9.0
LI-2024-INS004-004826,2003-09-05,22,63,85,1940,male,former_smoker,26.2,73,198,OR,USA,single,high_school,white_collar,340183.69,0.5481,full_paramedical,132,87,209,54,3.87,81,5.5,False,67.7,5.02,False,True,False,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-472,1.25,annuity_immediate,1000000,annual,10001.67,,none,,,,True,facultative,direct_to_consumer,False,False,False,0.113337,0.198894,SOA_2015_VBT,SOA_Scale_MP2023,1.382,respiratory,True,2019-06-03,False,False,323465.72,0.0007,5e-05,1.095,0.028334,0.008,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.44,1.65,False,False,False,False,False,0.99,22.8,3.5,sub_standard_longevity,26.0,baseline,1.089,0.648,False,,True,1.657,1000000.0,14463.71,13747.06,14002.34,32205.38,False,0,4.08,15.36
LI-2024-INS004-004827,2006-05-10,8,36,44,1970,female,never_smoker,23.1,59,114,NE,USA,single,bachelors,white_collar,120031.38,0.9814,full_paramedical,124,75,173,56,3.09,81,5.9,False,90.6,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,9,UW-170,0.68,term_life,500000,monthly,1329.42,20.0,none,,,,False,none,bank,False,False,False,0.002724,0.001295,SOA_2015_VBT,SOA_Scale_MP2023,0.622,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.05,0.0457,False,normal_rate,2.07,2.1,False,False,False,False,False,0.757,60.9,56.9,super_preferred_longevity,100.0,baseline,0.764,1.0,True,56.9,False,,500000.0,10639.59,10772.59,10635.36,2525.9,False,0,5.24,35.21
LI-2024-INS004-004828,2013-10-12,10,43,53,1970,male,never_smoker,24.7,73,187,GA,USA,married,graduate,professional,44514.34,0.7204,full_paramedical,143,95,217,66,3.29,72,5.0,False,82.2,1.68,False,False,False,False,False,none,,none,none,none,5,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,53,UW-242,1.5,term_life,500000,monthly,3187.36,20.0,none,,,,False,none,independent_broker,False,False,False,0.006813,0.013842,SOA_2015_VBT,SOA_Scale_MP2023,1.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003407,0.018,False,,1.0,False,,,,0.05,0.0562,False,normal_rate,4.13,2.47,False,False,False,False,False,0.766,48.8,38.8,super_preferred_longevity,81.5,baseline,0.96,0.923,False,,False,,500000.0,23508.61,24405.79,25498.88,6055.98,False,0,5.51,4.19
LI-2024-INS004-004829,2000-04-03,22,62,84,1938,female,former_smoker,35.4,65,212,HI,USA,married,graduate,light_blue_collar,26932.07,0.4595,full_paramedical,157,101,258,41,6.29,148,5.9,False,71.5,,True,False,False,False,False,none,,none,none,bipolar,7,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,3,UW-328,2.0,annuity_immediate,500000,semi_annual,6195.57,,none,,,,False,none,captive_agent,False,False,False,0.088881,0.298164,SOA_2015_VBT,SOA_Scale_MP2023,2.038,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.088881,0.005,False,,1.0,False,,,,0.002,0.005,False,normal_rate,4.32,2.18,False,False,False,False,False,0.805,26.9,4.9,sub_standard_longevity,26.7,baseline,1.155,0.455,False,,False,,500000.0,12828.11,11269.43,12143.32,19255.83,False,0,2.01,-2.61
LI-2024-INS004-004830,2008-09-21,18,71,89,1937,female,never_smoker,30.6,68,201,KS,USA,single,bachelors,professional,47316.23,0.8237,full_paramedical,150,93,238,37,6.43,116,5.8,False,81.9,,True,False,False,False,True,breast,9.8,none,none,anxiety,0,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,33,UW-384,1.5,group_life,1000000,monthly,10669.08,,none,,,,True,quota_share,employer_group,False,False,False,0.103802,0.194029,SOA_2015_VBT,SOA_Scale_MP2023,1.552,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.051901,0.005,False,,1.0,True,2025-12-29,non_payment,18.0,0.1,0.1249,False,normal_rate,3.09,1.86,False,False,False,False,False,0.799,19.2,1.2,sub_standard_longevity,26.7,baseline,0.882,0.898,False,,False,,1000000.0,5620.84,5185.49,5121.16,36317.55,False,0,2.94,7.42
LI-2024-INS004-004831,2006-10-03,17,25,42,1981,male,never_smoker,29.5,71,211,KS,USA,married,bachelors,white_collar,25047.71,0.4528,accelerated_UW,171,95,188,43,4.37,80,,False,112.6,1.43,True,True,False,False,False,none,,none,none,anxiety,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,26,UW-022,2.0,term_life,1000000,quarterly,6143.8,20.0,none,,,,True,facultative,employer_group,False,False,False,0.002957,0.010526,SOA_2015_VBT,SOA_Scale_MP2023,2.206,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.02,False,,1.0,False,,,,0.03,0.0482,False,normal_rate,3.31,1.54,False,False,False,False,False,0.768,67.6,52.1,super_preferred_longevity,97.4,baseline,1.16,0.529,True,42.7,False,,1000000.0,46401.25,51576.63,49150.4,11673.22,False,0,4.17,-6.86
LI-2024-INS004-004832,2022-04-24,2,77,79,1945,female,never_smoker,30.5,65,183,AK,USA,married,less_than_hs,professional,159788.93,0.3253,full_paramedical,136,94,254,42,6.05,81,,False,,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,27,UW-338,1.5,whole_life,500000,monthly,4328.91,,none,2844.52,,,True,quota_share,bank,False,False,False,0.043299,0.113852,SOA_2015_VBT,SOA_Scale_MP2023,1.561,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.02165,0.008,True,0.00731,1.0,False,,,,0.04,0.0576,False,normal_rate,2.95,2.45,False,False,False,False,False,0.936,12.7,10.7,sub_standard_longevity,33.4,baseline,1.256,0.242,False,,False,,497155.48,16946.8,16747.5,18527.73,11445.64,False,0,4.09,5.63
LI-2024-INS004-004833,2004-02-20,3,20,23,1984,male,current_smoker,27.2,61,143,MN,USA,married,high_school,light_blue_collar,99511.76,0.489,full_paramedical,115,65,176,53,3.32,110,5.2,True,92.5,,False,False,False,False,False,none,,none,none,schizophrenia,2,False,False,True,True,True,substandard_table_7,,7.0,False,False,False,False,45,UW-087,2.75,universal_life,100000,monthly,544.65,,15yr_declining,358.68,,,False,none,captive_agent,False,False,False,0.002205,0.011116,SOA_2015_VBT,SOA_Scale_MP2023,2.904,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003859,0.02,False,,1.0,False,,,,0.08,0.0471,False,normal_rate,2.63,1.92,False,False,False,False,False,0.851,70.0,61.8,super_preferred_longevity,100.0,baseline,1.133,0.407,True,70.2,False,,99641.32,3936.6,4509.89,4357.2,1034.83,False,0,0.53,-20.0
LI-2024-INS004-004834,2009-11-09,4,66,70,1943,female,former_smoker,26.1,59,129,NJ,USA,divorced,some_college,white_collar,20000.0,0.6869,full_paramedical,140,92,153,62,2.47,60,,False,76.6,,False,True,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,19,UW-395,1.25,universal_life,1000000,annual,6845.89,,10yr_declining,4778.71,,,True,none,bank,True,False,False,0.025255,0.037826,SOA_2015_VBT,SOA_Scale_MP2023,1.267,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006314,0.008,False,,1.0,False,,,,0.08,0.0414,False,normal_rate,3.55,2.78,False,False,False,False,False,0.811,24.8,20.8,standard_longevity,54.0,baseline,0.985,0.628,False,,False,,995221.29,52271.2,57463.97,54767.12,13007.19,False,0,0.68,14.4
LI-2024-INS004-004835,2014-12-01,5,46,51,1968,female,never_smoker,22.7,67,145,UT,USA,divorced,graduate,professional,92221.91,0.5823,full_paramedical,152,93,204,48,4.25,77,,True,,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-470,2.0,universal_life,500000,annual,3941.91,,10yr_declining,2892.99,,,False,none,employer_group,False,False,False,0.009282,0.029118,SOA_2015_VBT,SOA_Scale_MP2023,2.01,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.009282,0.015,False,,1.0,False,,,,0.08,0.0533,False,normal_rate,2.48,1.85,False,False,False,False,False,0.942,48.7,43.7,super_preferred_longevity,86.8,baseline,1.063,0.584,False,,False,,497107.01,34532.87,29238.52,31535.28,7489.63,False,0,1.16,-10.32
LI-2024-INS004-004836,2015-07-05,2,18,20,1997,female,never_smoker,25.0,59,123,WI,USA,divorced,bachelors,professional,53812.99,0.4765,non_med_guaranteed,109,73,181,53,3.42,91,,False,92.7,,True,False,False,False,False,none,,none,none,none,4,False,True,False,False,False,preferred_plus,,,False,False,False,False,27,UW-227,0.6,term_life,100000,semi_annual,90.07,30.0,none,,,,False,none,independent_broker,False,False,False,0.000805,0.000633,SOA_2015_VBT,SOA_Scale_MP2023,0.688,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.0923,False,normal_rate,1.12,2.55,False,False,False,False,False,0.879,70.0,60.3,super_preferred_longevity,100.0,baseline,1.143,0.501,True,62.5,False,,100000.0,771.39,749.78,720.56,171.13,False,0,1.07,28.02
LI-2024-INS004-004837,2009-08-11,15,68,83,1941,male,never_smoker,32.4,61,171,ND,USA,single,bachelors,professional,44345.71,0.7541,simplified_issue,157,100,255,52,4.9,97,5.1,False,73.9,11.46,False,False,True,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,3,UW-233,1.5,annuity_deferred,500000,quarterly,5222.2,,none,5737.4,,,False,none,direct_to_consumer,False,True,False,0.074061,0.147136,SOA_2015_VBT,SOA_Scale_MP2023,1.591,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.037031,0.008,False,,1.0,False,,,,0.01,0.0154,False,normal_rate,6.21,1.72,False,False,False,False,False,0.755,21.8,6.8,standard_longevity,44.0,baseline,0.934,0.748,False,,False,,494262.6,15169.93,13421.84,14204.38,15436.82,False,0,0.78,8.18
LI-2024-INS004-004838,2001-03-20,7,35,42,1966,female,unknown,40.1,61,212,VA,USA,married,less_than_hs,white_collar,21938.59,0.2763,simplified_issue,129,85,238,46,5.17,139,5.5,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,18,UW-449,2.25,indexed_ul,2000000,quarterly,15704.05,,10yr_declining,13333.0,,,True,none,bank,False,False,False,0.00272,0.011894,SOA_2015_VBT,SOA_Scale_MP2023,2.415,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0034,0.015,False,,1.0,True,2026-01-18,non_payment,7.0,0.06,0.0399,False,normal_rate,4.09,2.77,False,False,True,False,False,0.862,58.2,51.2,super_preferred_longevity,93.4,baseline,1.293,0.368,False,,False,,1986667.0,123038.98,115872.46,125632.4,29837.69,False,0,1.49,-12.63
LI-2024-INS004-004839,2013-06-14,2,26,28,1987,male,never_smoker,47.9,60,245,OK,USA,married,graduate,white_collar,20000.0,0.7884,limited_exam,134,81,262,28,9.36,125,5.6,False,88.8,,False,False,False,False,False,none,,none,none,bipolar,9,False,False,True,False,True,substandard_table_8,,8.0,False,False,False,False,58,UW-282,3.0,whole_life,1000000,monthly,7905.36,,none,5483.78,,,True,quota_share,captive_agent,False,False,False,0.001334,0.006625,SOA_2015_VBT,SOA_Scale_MP2023,3.265,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002668,0.02,False,,1.0,False,,,,0.04,0.0428,False,normal_rate,2.5,1.18,False,False,False,False,False,0.869,68.8,59.8,super_preferred_longevity,100.0,baseline,0.909,0.552,True,60.1,False,,994516.22,68945.75,61818.9,63242.88,15020.18,False,0,-2.22,-20.0
LI-2024-INS004-004840,2005-11-02,22,80,102,1925,female,unknown,33.9,60,173,GA,USA,married,some_college,heavy_blue_collar,84946.58,0.6319,full_paramedical,146,84,220,52,4.23,100,6.0,False,,,False,False,False,True,False,none,,pre_diabetes,none,anxiety,0,False,False,False,False,True,substandard_table_6,1.21,6.0,False,False,False,False,36,UW-417,2.5,indexed_ul,500000,monthly,9312.37,,10yr_declining,13758.41,,,False,none,captive_agent,False,False,False,0.231696,0.977785,SOA_2015_VBT,SOA_Scale_MP2023,2.651,cardiovascular,True,2024-09-25,False,False,372508.1,0.0007,5e-05,1.095,0.347544,0.012,False,,1.0,False,,,,0.04,0.0478,False,normal_rate,2.43,2.09,False,False,False,False,False,0.929,8.2,1.0,sub_standard_longevity,23.5,baseline,1.026,0.392,False,,False,,486241.59,4038.5,3887.43,3724.95,31848.31,False,0,-2.17,-19.46
LI-2024-INS004-004841,2018-06-05,2,45,47,1973,female,former_smoker,30.0,70,209,RI,USA,married,bachelors,white_collar,25457.71,0.6638,simplified_issue,119,79,176,25,7.04,79,,False,104.8,,False,True,False,False,False,none,,none,none,none,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,22,UW-175,1.5,term_life,1000000,monthly,6357.43,15.0,none,,,,True,excess_of_loss,bank,False,False,False,0.004421,0.009029,SOA_2015_VBT,SOA_Scale_MP2023,1.539,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00221,0.018,False,,1.0,False,,,,0.07,0.0818,False,normal_rate,4.84,0.63,False,False,False,False,False,0.757,51.0,49.0,super_preferred_longevity,96.0,baseline,1.002,0.636,False,,False,,1000000.0,49937.05,52522.84,50859.44,12079.12,False,0,2.35,15.95
LI-2024-INS004-004842,2014-05-18,7,21,28,1993,female,never_smoker,26.3,68,173,TN,USA,single,less_than_hs,professional,40374.38,0.2035,limited_exam,129,86,224,61,3.67,120,5.1,False,,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,standard_plus,,,False,False,False,False,13,UW-491,0.98,universal_life,500000,monthly,1104.99,,15yr_declining,894.32,,,False,none,captive_agent,False,False,False,0.001067,0.001367,SOA_2015_VBT,SOA_Scale_MP2023,0.951,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.06,0.0415,False,normal_rate,4.15,1.37,False,False,False,False,False,0.785,70.0,53.2,super_preferred_longevity,95.4,baseline,1.347,0.219,True,22.1,False,,499105.68,8718.72,9201.19,8839.92,2099.48,False,0,6.2,21.12
LI-2024-INS004-004843,2021-12-15,2,28,30,1993,male,never_smoker,29.3,64,170,WI,USA,single,bachelors,light_blue_collar,41576.49,0.8795,accelerated_UW,132,72,213,72,2.96,100,,True,83.4,,False,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,True,13,UW-183,0.84,universal_life,500000,monthly,949.55,,10yr_declining,586.03,,,False,none,captive_agent,False,False,False,0.00292,0.004745,SOA_2015_VBT,SOA_Scale_MP2023,0.783,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00282,1.0,False,,,,0.08,0.0359,False,normal_rate,3.45,1.27,False,False,False,False,False,0.957,70.0,55.0,super_preferred_longevity,100.0,baseline,0.84,0.832,False,,False,,499413.97,7757.82,7057.81,7596.4,1804.14,False,0,4.51,27.98
LI-2024-INS004-004844,2023-02-05,4,64,68,1959,female,never_smoker,20.1,66,124,WA,USA,divorced,bachelors,professional,57878.79,0.37,limited_exam,153,101,231,51,4.53,92,,False,68.0,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,9,UW-158,2.0,term_life,500000,quarterly,6039.26,25.0,none,,,,False,none,independent_broker,False,False,False,0.018111,0.067086,SOA_2015_VBT,SOA_Scale_MP2023,2.212,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.018111,0.012,False,,1.0,False,,,,0.07,0.0983,False,normal_rate,4.35,1.17,False,False,False,False,False,0.921,28.3,24.3,standard_longevity,54.5,baseline,1.223,0.531,False,,False,,500000.0,48082.75,47021.48,48314.08,11474.59,False,0,5.01,-12.36
LI-2024-INS004-004845,2016-09-20,3,66,69,1950,female,never_smoker,31.1,67,198,NV,USA,divorced,less_than_hs,white_collar,167283.31,0.583,accelerated_UW,145,94,261,45,5.8,70,4.7,False,56.6,,False,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,True,11,UW-478,2.0,term_life,100000,quarterly,1312.08,25.0,none,,,,False,none,independent_broker,False,False,False,0.017726,0.057775,SOA_2015_VBT,SOA_Scale_MP2023,2.126,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017726,0.012,False,,1.0,False,,,,0.07,0.0864,False,normal_rate,5.71,2.49,False,False,False,False,False,0.811,25.8,23.0,standard_longevity,55.7,baseline,1.063,0.755,True,36.6,False,,100000.0,9964.02,10054.28,10496.64,2492.95,False,0,0.32,-7.81
LI-2024-INS004-004846,2005-10-19,11,32,43,1973,male,unknown,33.0,72,243,NH,USA,married,bachelors,white_collar,93502.42,0.8888,limited_exam,124,82,231,49,4.71,132,4.4,False,84.8,1.44,False,False,False,True,False,none,,none,none,bipolar,0,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,45,UW-072,2.5,whole_life,500000,monthly,4699.84,,none,4602.58,,,False,none,bank,False,False,False,0.003647,0.013354,SOA_2015_VBT,SOA_Scale_MP2023,2.594,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00547,0.018,False,,1.0,False,,,,0.015,0.0148,False,normal_rate,4.77,1.95,False,False,False,False,False,0.785,60.9,49.9,super_preferred_longevity,100.0,baseline,0.833,0.809,False,,False,,495397.42,36924.17,34496.38,37598.72,8929.7,False,0,1.86,-11.55
LI-2024-INS004-004847,2023-11-06,3,39,42,1984,male,former_smoker,24.0,69,162,OH,USA,single,bachelors,hazardous,20000.0,0.6521,simplified_issue,135,89,195,52,3.75,119,4.8,False,102.5,1.13,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,substandard_table_1,4.02,1.0,True,False,False,False,14,UW-217,1.25,whole_life,1000000,annual,3790.19,,none,2474.76,,,True,facultative,direct_to_consumer,False,False,False,0.003844,0.006304,SOA_2015_VBT,SOA_Scale_MP2023,1.375,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000961,0.02,False,,1.0,False,,,,0.04,0.066,False,normal_rate,3.06,2.7,False,False,False,False,False,0.823,54.8,51.8,super_preferred_longevity,100.0,baseline,1.011,0.655,False,,False,,997525.24,33109.92,27628.65,30321.52,7201.36,False,0,1.82,13.03
LI-2024-INS004-004848,2016-07-20,8,51,59,1965,male,never_smoker,35.0,68,230,MA,USA,single,bachelors,white_collar,66561.5,0.787,full_paramedical,121,71,247,28,8.82,86,4.5,False,54.9,3.75,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,24,UW-289,1.75,term_life,500000,quarterly,4906.85,25.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.011215,0.02648,SOA_2015_VBT,SOA_Scale_MP2023,1.771,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008411,0.015,False,,1.0,False,,,,0.05,0.0535,False,normal_rate,5.32,2.68,False,False,False,False,False,0.87,40.1,33.0,preferred_longevity,73.8,baseline,0.91,0.725,True,47.6,True,-0.342,500000.0,40701.1,40713.9,39254.8,9323.02,False,0,2.77,0.95
LI-2024-INS004-004849,2005-07-21,12,26,38,1979,female,current_smoker,29.9,71,214,FL,USA,married,some_college,light_blue_collar,48254.22,0.604,non_med_guaranteed,114,71,250,65,3.85,93,,True,,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-352,1.5,whole_life,500000,annual,2271.83,,none,2337.97,,,False,none,captive_agent,False,False,False,0.003633,0.008411,SOA_2015_VBT,SOA_Scale_MP2023,1.734,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001816,0.018,False,,1.0,False,,,,0.015,0.0183,False,normal_rate,2.46,2.19,False,False,False,False,False,0.806,70.0,55.0,super_preferred_longevity,100.0,baseline,1.047,0.476,False,,False,,497662.03,19345.85,16311.48,18174.64,4316.48,False,0,0.83,2.71
LI-2024-INS004-004850,2018-12-14,5,26,31,1992,female,current_smoker,25.7,71,184,CT,USA,married,bachelors,professional,50573.98,0.8021,full_paramedical,113,66,220,30,7.33,85,,True,93.0,,False,False,False,False,True,lung,1.0,none,none,anxiety,1,False,False,False,False,True,declined,,,False,False,True,False,18,UW-129,7.0,universal_life,1000000,annual,17105.46,,10yr_declining,12027.38,3066.98,0.255,True,quota_share,captive_agent,False,False,False,0.002451,0.028458,SOA_2015_VBT,SOA_Scale_MP2023,6.243,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014709,0.022,False,,1.0,False,,,,0.08,0.0229,False,normal_rate,1.8,2.82,False,False,False,False,False,0.95,70.0,55.0,super_preferred_longevity,100.0,baseline,0.898,0.799,False,,False,,987972.62,131514.17,141669.86,136843.68,32500.37,False,0,-5.0,-20.0
LI-2024-INS004-004851,2023-01-13,3,46,49,1977,male,never_smoker,32.2,61,170,OK,USA,married,some_college,white_collar,65194.66,0.6018,full_paramedical,149,86,213,56,3.8,78,5.3,False,100.1,4.04,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,13,UW-442,2.0,universal_life,1000000,monthly,7371.06,,10yr_declining,5322.27,2309.87,0.434,True,facultative,independent_broker,True,False,False,0.004956,0.015527,SOA_2015_VBT,SOA_Scale_MP2023,2.034,cardiovascular,True,2025-03-30,False,False,134778.34,0.0007,5e-05,1.095,0.004956,0.018,False,,1.0,False,,,,0.08,0.0263,False,normal_rate,2.69,1.98,False,False,False,False,False,0.843,46.4,43.4,super_preferred_longevity,86.6,baseline,1.049,0.535,False,,False,,994677.73,61596.18,51925.65,58968.48,14005.01,False,0,-0.55,-7.64
LI-2024-INS004-004852,2021-04-11,1,58,59,1963,female,never_smoker,33.5,60,171,NE,USA,married,high_school,professional,84293.33,0.4932,full_paramedical,123,82,183,45,4.07,88,4.9,False,74.8,,True,True,True,False,False,none,,none,none,none,0,False,False,True,False,True,standard_plus,,,False,False,False,False,30,UW-478,1.0,term_life,1000000,semi_annual,4498.63,15.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.008705,0.013133,SOA_2015_VBT,SOA_Scale_MP2023,0.984,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,True,0.00345,1.0,False,,,,0.1,0.1305,False,normal_rate,4.12,2.76,False,False,False,False,False,0.915,38.6,37.6,super_preferred_longevity,86.3,baseline,1.13,0.439,False,,False,,1000000.0,37146.1,30918.51,35989.04,8547.4,False,0,4.28,17.99
LI-2024-INS004-004853,2013-09-01,11,25,36,1988,male,current_smoker,24.1,72,177,SD,USA,widowed,high_school,white_collar,111012.05,0.6511,full_paramedical,115,66,200,52,3.85,90,5.0,True,,,True,False,False,False,False,none,,none,none,schizophrenia,3,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,False,17,UW-023,2.75,term_life,2000000,quarterly,14732.71,25.0,none,,,,True,quota_share,bank,False,False,False,0.00402,0.018356,SOA_2015_VBT,SOA_Scale_MP2023,2.784,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007034,0.02,False,,1.0,False,,,,0.03,0.0354,False,normal_rate,5.37,1.05,False,False,False,False,False,0.821,69.4,55.0,super_preferred_longevity,100.0,baseline,1.012,0.67,False,,False,,2000000.0,112949.74,101618.81,117861.68,27992.15,False,0,-0.72,-20.0
LI-2024-INS004-004854,2011-01-22,1,68,69,1943,male,never_smoker,35.0,65,210,MT,USA,married,bachelors,white_collar,65548.26,0.6103,non_med_guaranteed,125,78,217,39,5.56,105,4.9,False,,5.98,True,False,False,True,False,none,,none,none,none,3,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,15,UW-459,2.5,universal_life,1000000,semi_annual,14948.43,,10yr_declining,9333.73,,,True,quota_share,direct_to_consumer,False,False,False,0.022254,0.095637,SOA_2015_VBT,SOA_Scale_MP2023,2.684,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.033381,0.008,False,,1.0,False,,,,0.12,0.0916,False,normal_rate,2.16,0.54,False,False,False,False,False,0.885,18.5,17.5,standard_longevity,47.9,baseline,1.042,0.511,False,,False,,990666.27,110693.44,91128.71,104639.01,31391.7,False,0,0.83,-20.0
LI-2024-INS004-004855,2019-11-22,6,48,54,1971,female,former_smoker,20.6,67,131,VA,USA,single,bachelors,white_collar,94282.15,0.6574,full_paramedical,101,54,186,48,3.88,90,,False,87.2,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,25,UW-387,0.79,indexed_ul,500000,semi_annual,1864.9,,10yr_declining,1384.92,,,False,none,captive_agent,False,False,False,0.007688,0.005806,SOA_2015_VBT,SOA_Scale_MP2023,0.75,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0317,False,normal_rate,5.19,1.61,False,False,False,False,False,0.933,47.7,45.8,super_preferred_longevity,91.1,baseline,1.007,0.572,True,63.2,False,,498615.08,15230.32,13839.91,14919.2,3543.31,False,0,4.39,25.48
LI-2024-INS004-004856,2010-12-02,15,69,84,1941,male,unknown,21.4,71,153,ND,USA,married,bachelors,light_blue_collar,32243.39,0.8534,limited_exam,129,75,191,62,3.08,101,,False,77.6,12.87,False,False,False,True,False,none,,none,none,none,1,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,30,UW-171,2.5,term_life,500000,annual,8514.04,30.0,none,,,,False,none,bank,False,False,False,0.092796,0.342284,SOA_2015_VBT,SOA_Scale_MP2023,2.545,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.139194,0.008,False,,1.0,False,,,,0.03,0.0305,False,normal_rate,4.54,2.74,False,False,False,False,False,0.978,18.2,3.2,sub_standard_longevity,30.1,baseline,0.86,0.755,False,,False,,500000.0,11491.06,9731.73,10897.97,27619.55,False,0,0.21,-20.0
LI-2024-INS004-004857,2015-07-10,9,27,36,1988,female,former_smoker,30.1,66,186,ND,USA,married,some_college,white_collar,109878.35,0.749,limited_exam,111,82,199,38,5.24,93,5.5,False,97.8,,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,11,UW-180,2.25,whole_life,250000,annual,1526.72,,none,1390.76,,,False,none,captive_agent,False,False,False,0.00209,0.007268,SOA_2015_VBT,SOA_Scale_MP2023,2.374,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002613,0.02,False,,1.0,False,,,,0.02,0.022,False,normal_rate,1.46,2.51,False,False,False,False,False,0.879,70.0,66.4,super_preferred_longevity,100.0,baseline,0.938,0.628,True,90.4,False,,248609.24,12980.48,11448.7,12213.76,2900.77,False,0,-2.6,-6.78
LI-2024-INS004-004858,2006-12-16,14,35,49,1971,male,never_smoker,32.2,61,170,RI,USA,married,some_college,hazardous,35664.44,0.7255,full_paramedical,119,79,186,52,3.58,98,4.8,False,87.2,8.08,False,False,True,False,False,none,,none,none,anxiety,4,False,False,False,True,True,standard_plus,3.89,,True,False,False,False,49,UW-309,0.97,whole_life,2000000,annual,8923.84,,none,9225.13,,,True,facultative,captive_agent,False,False,False,0.004956,0.004283,SOA_2015_VBT,SOA_Scale_MP2023,0.904,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.015,0.0168,False,normal_rate,3.81,1.88,False,False,False,True,False,0.931,60.0,46.0,super_preferred_longevity,100.0,baseline,0.956,0.647,False,,False,,1990774.87,67941.18,74645.33,71390.72,16955.3,False,0,2.75,16.98
LI-2024-INS004-004859,2004-07-12,15,79,94,1925,female,never_smoker,33.4,66,206,TN,USA,married,some_college,heavy_blue_collar,20000.0,0.8338,full_paramedical,148,92,247,54,4.57,117,6.0,False,69.1,,False,False,False,False,True,breast,14.5,pre_diabetes,none,anxiety,3,False,False,False,False,True,substandard_table_2,0.74,2.0,False,False,False,False,26,UW-092,1.5,universal_life,1000000,monthly,10300.96,,10yr_declining,11130.59,,,True,facultative,captive_agent,False,False,False,0.110775,0.212639,SOA_2015_VBT,SOA_Scale_MP2023,1.623,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.055388,0.012,False,,1.0,False,,,,0.04,0.0413,False,normal_rate,2.77,1.24,False,False,False,False,False,0.817,10.0,1.0,sub_standard_longevity,26.5,baseline,0.875,0.795,False,,False,,988869.41,4183.16,3852.42,4120.38,35229.28,False,0,5.8,1.9
LI-2024-INS004-004860,2002-09-15,5,54,59,1948,female,never_smoker,24.5,68,161,WA,USA,single,some_college,white_collar,141549.67,0.9361,full_paramedical,121,66,252,59,4.27,89,,False,67.9,,False,False,False,False,False,none,,none,none,depression,3,True,False,False,False,False,substandard_table_1,3.96,1.0,True,False,False,False,11,UW-420,1.25,indexed_ul,500000,semi_annual,3513.78,,10yr_declining,2461.97,,,False,none,captive_agent,False,False,False,0.007827,0.010144,SOA_2015_VBT,SOA_Scale_MP2023,1.311,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001957,0.008,False,,1.0,False,,,,0.08,0.0342,False,normal_rate,3.31,2.59,False,False,False,False,False,0.789,38.6,33.7,preferred_longevity,77.1,baseline,0.798,0.896,True,34.7,False,,497538.03,27536.29,24410.73,28110.24,6676.18,False,0,5.09,20.64
LI-2024-INS004-004861,2009-03-13,3,30,33,1979,female,never_smoker,35.2,62,192,VA,USA,married,bachelors,professional,48266.83,0.6385,full_paramedical,108,61,173,55,3.15,91,4.8,False,75.0,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-264,1.25,term_life,500000,monthly,1666.87,20.0,none,,,,True,none,captive_agent,False,False,False,0.001358,0.002073,SOA_2015_VBT,SOA_Scale_MP2023,1.25,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00034,0.018,False,,1.0,False,,,,0.07,0.0832,False,normal_rate,1.36,1.52,False,False,False,False,False,0.862,66.8,59.2,super_preferred_longevity,100.0,baseline,1.021,0.478,True,56.8,False,,500000.0,12094.95,13537.79,13334.96,3167.05,False,0,-1.4,17.69
LI-2024-INS004-004862,2005-07-11,3,40,43,1965,female,never_smoker,23.9,58,114,IN,USA,divorced,some_college,light_blue_collar,70706.59,0.7382,full_paramedical,111,70,205,50,4.1,82,6.0,False,111.0,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,8,UW-479,0.59,whole_life,500000,annual,1045.54,,none,759.23,,,False,none,direct_to_consumer,False,False,False,0.002537,0.00145,SOA_2015_VBT,SOA_Scale_MP2023,0.604,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.04,0.0621,False,normal_rate,2.51,1.55,False,False,False,False,False,0.896,54.9,56.7,super_preferred_longevity,100.0,baseline,0.946,0.712,True,61.5,False,,499240.77,8128.56,7138.94,8364.32,1986.53,False,0,6.96,34.1
LI-2024-INS004-004863,2001-12-15,17,77,94,1924,female,never_smoker,31.7,69,214,LA,USA,single,bachelors,white_collar,58191.23,0.5752,accelerated_UW,153,100,235,49,4.8,130,7.0,False,56.2,,False,False,False,False,False,none,,type_2,none,none,7,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,True,46,UW-151,1.5,universal_life,500000,monthly,5948.79,,15yr_declining,7430.52,,,False,none,bank,False,False,False,0.109446,0.23799,SOA_2015_VBT,SOA_Scale_MP2023,1.567,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054723,0.012,False,,1.0,False,,,,0.04,0.0496,False,normal_rate,2.47,2.24,False,False,False,False,False,0.786,10.9,1.0,sub_standard_longevity,22.6,baseline,1.069,0.607,False,,False,,492569.48,2422.87,2464.17,2379.52,20344.86,False,0,5.18,11.47
LI-2024-INS004-004864,2012-09-02,3,23,26,1989,male,never_smoker,19.8,68,130,AR,USA,divorced,bachelors,light_blue_collar,48869.92,0.9187,simplified_issue,97,50,215,62,3.47,121,5.7,False,89.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,23,UW-399,1.0,whole_life,250000,quarterly,589.89,,none,398.98,,,False,none,captive_agent,False,True,False,0.001229,0.001039,SOA_2015_VBT,SOA_Scale_MP2023,1.043,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0386,False,normal_rate,3.46,1.84,False,False,False,False,False,0.878,70.0,55.0,super_preferred_longevity,100.0,baseline,0.811,0.743,False,,False,,249601.02,4992.29,4722.59,4719.12,1120.79,False,0,4.11,16.54
LI-2024-INS004-004865,2023-08-01,2,74,76,1949,female,current_smoker,26.0,66,160,IA,USA,widowed,high_school,white_collar,98375.18,0.3955,non_med_guaranteed,122,79,180,54,3.33,105,,True,59.2,,False,False,False,False,False,none,,none,mild_gold_1,none,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-004,2.0,whole_life,1000000,semi_annual,12900.44,,none,8891.93,,,True,facultative,captive_agent,False,False,False,0.068865,0.252341,SOA_2015_VBT,SOA_Scale_MP2023,2.214,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.068865,0.008,False,,1.0,True,2025-09-21,replacement,2.0,0.04,0.0553,False,normal_rate,4.63,1.25,False,False,False,True,False,0.891,16.6,14.6,standard_longevity,40.3,baseline,1.203,0.489,False,,False,,991108.07,70150.91,72432.01,75338.57,30083.83,False,0,-1.77,0.79
LI-2024-INS004-004866,2024-11-22,2,54,56,1970,female,former_smoker,24.6,61,130,OR,USA,married,bachelors,professional,20000.0,0.6244,full_paramedical,141,77,205,54,3.8,75,4.8,False,,,True,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,standard,,,False,True,False,False,6,UW-410,1.0,indexed_ul,500000,annual,2367.71,,10yr_declining,1465.54,,,False,none,bank,False,False,False,0.009067,0.010271,SOA_2015_VBT,SOA_Scale_MP2023,1.098,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0432,False,normal_rate,3.82,1.51,False,False,False,False,False,0.94,44.4,45.7,super_preferred_longevity,100.0,baseline,1.032,0.637,True,57.5,False,,498534.46,18885.54,18438.93,18941.68,4498.65,False,0,2.75,20.19
LI-2024-INS004-004867,2006-01-11,19,27,46,1979,female,current_smoker,28.9,70,201,VT,USA,widowed,bachelors,light_blue_collar,272708.08,0.4378,accelerated_UW,135,95,212,43,4.93,100,5.7,True,88.6,,False,True,False,False,False,none,,none,moderate_gold_2,schizophrenia,4,False,False,False,False,False,substandard_table_7,,7.0,False,False,False,True,5,UW-177,2.75,term_life,1000000,annual,10709.7,15.0,none,,,,True,facultative,captive_agent,False,False,False,0.006309,0.031406,SOA_2015_VBT,SOA_Scale_MP2023,2.755,cardiovascular,True,2024-05-27,False,False,1458910.8,0.0007,5e-05,1.095,0.011041,0.018,False,,1.0,False,,,,0.03,0.0405,False,normal_rate,2.69,2.15,False,False,False,False,False,0.798,69.0,50.0,super_preferred_longevity,94.1,baseline,1.172,0.432,False,,False,,1000000.0,83226.65,75812.05,85677.6,20348.43,False,0,1.91,-20.0
LI-2024-INS004-004868,2020-03-14,4,55,59,1965,male,never_smoker,27.9,72,205,ND,USA,single,bachelors,professional,73933.6,0.7834,full_paramedical,140,88,256,60,4.27,99,5.1,False,75.9,0.95,False,True,False,False,False,none,,none,none,depression,11,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,69,UW-072,1.25,whole_life,1000000,monthly,5537.97,,none,4187.88,,,True,coinsurance,bank,True,False,False,0.011215,0.018921,SOA_2015_VBT,SOA_Scale_MP2023,1.435,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002804,0.015,True,0.00143,1.0,False,,,,0.04,0.0429,False,normal_rate,4.29,1.23,False,False,False,False,False,0.942,36.1,32.1,preferred_longevity,72.4,baseline,0.912,0.753,False,,False,,995812.12,47384.75,40811.4,44303.76,10522.14,False,0,3.15,10.36
LI-2024-INS004-004869,2004-12-27,11,32,43,1972,female,former_smoker,34.4,59,170,UT,USA,single,bachelors,white_collar,114797.95,0.7992,limited_exam,129,91,205,46,4.46,113,5.4,False,106.1,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,24,UW-384,1.25,group_life,1000000,semi_annual,3949.77,,none,,,,True,quota_share,captive_agent,False,False,False,0.003298,0.004828,SOA_2015_VBT,SOA_Scale_MP2023,1.348,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000824,0.018,False,,1.0,False,,,,0.1,0.1061,False,normal_rate,2.85,0.54,False,False,False,False,False,0.883,64.4,57.1,super_preferred_longevity,100.0,baseline,0.901,0.782,True,55.2,False,,1000000.0,31425.01,31617.03,31598.16,7504.56,False,0,1.3,14.96
LI-2024-INS004-004870,2011-07-04,13,73,86,1938,male,never_smoker,32.5,75,259,SD,USA,married,bachelors,white_collar,96950.02,0.4429,accelerated_UW,138,79,242,45,5.38,101,5.6,False,,13.71,False,False,False,False,False,none,,none,none,bipolar,2,False,False,True,True,True,substandard_table_4,,4.0,False,False,False,True,64,UW-479,2.0,whole_life,2000000,monthly,31706.02,,none,31899.04,,,True,none,independent_broker,False,False,False,0.101339,0.353652,SOA_2015_VBT,SOA_Scale_MP2023,2.132,cancer,True,2016-10-13,False,False,217365.67,0.0007,5e-05,1.095,0.101339,0.005,False,,1.0,False,,,,0.015,0.0202,False,normal_rate,3.71,2.8,False,False,False,False,False,0.965,11.9,1.1,sub_standard_longevity,20.8,baseline,1.168,0.353,True,49.8,False,,1968100.96,13095.76,13856.36,13950.65,108180.94,False,0,4.4,-5.6
LI-2024-INS004-004871,2005-01-01,7,41,48,1964,male,never_smoker,27.1,62,148,MD,USA,married,some_college,light_blue_collar,167871.94,0.8405,full_paramedical,136,79,247,62,3.98,98,,True,57.6,4.51,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,True,True,standard,,,False,True,False,False,36,UW-249,1.0,universal_life,2000000,semi_annual,9011.66,,15yr_declining,7520.52,,,True,none,independent_broker,True,False,False,0.009037,0.008441,SOA_2015_VBT,SOA_Scale_MP2023,1.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0277,False,normal_rate,3.79,1.86,False,False,False,True,False,0.781,50.2,43.2,super_preferred_longevity,89.9,baseline,0.87,0.828,False,,False,,1992479.48,70497.05,66130.13,72093.28,17122.15,False,0,3.74,20.78
LI-2024-INS004-004872,2019-09-19,2,44,46,1975,female,never_smoker,30.4,62,166,VT,USA,single,bachelors,white_collar,364686.51,0.9296,accelerated_UW,118,77,177,37,4.78,89,5.5,False,98.6,,False,False,False,False,False,none,,none,none,substance_use_disorder,3,False,False,False,False,False,standard,,,False,True,False,True,23,UW-014,1.0,term_life,1000000,quarterly,3382.33,25.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.003155,0.00274,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.07,0.0937,False,normal_rate,2.44,1.48,True,False,False,False,False,0.767,53.4,58.8,super_preferred_longevity,100.0,baseline,0.803,0.742,True,75.3,False,,1000000.0,25386.91,24065.92,27058.64,6426.43,False,0,5.13,21.05
LI-2024-INS004-004873,2010-07-12,4,65,69,1945,female,never_smoker,19.9,61,105,WV,USA,divorced,some_college,professional,218613.47,0.2074,accelerated_UW,129,74,222,54,4.11,99,4.9,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,True,10,UW-492,0.56,whole_life,100000,quarterly,370.4,,none,258.39,,,True,quota_share,direct_to_consumer,False,False,False,0.018092,0.016443,SOA_2015_VBT,SOA_Scale_MP2023,0.676,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.008,False,,1.0,False,,,,0.04,0.1203,False,normal_rate,4.17,1.94,False,False,False,False,False,0.987,24.2,20.2,standard_longevity,45.9,baseline,1.344,0.333,False,,False,,99741.61,3233.01,2932.39,2963.2,703.76,False,0,6.06,22.12
LI-2024-INS004-004874,2007-05-23,20,37,57,1970,female,never_smoker,28.3,60,144,OR,USA,married,some_college,white_collar,63937.7,0.2368,full_paramedical,150,88,256,46,5.57,94,,False,66.3,,True,False,False,False,False,none,,none,none,none,0,False,False,True,False,True,substandard_table_2,,2.0,False,False,False,False,39,UW-296,1.5,annuity_immediate,500000,quarterly,3168.79,,none,,,,False,none,captive_agent,False,False,False,0.007582,0.019572,SOA_2015_VBT,SOA_Scale_MP2023,1.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003791,0.018,False,,1.0,False,,,,0.002,0.005,False,normal_rate,3.27,1.14,False,False,False,False,False,0.907,56.9,36.9,preferred_longevity,71.4,baseline,1.322,0.419,False,,False,,500000.0,23598.87,24071.14,25350.32,6020.7,False,0,-0.65,2.77
LI-2024-INS004-004875,2003-02-01,6,80,86,1923,male,never_smoker,31.7,75,253,UT,USA,married,bachelors,white_collar,138123.84,0.718,full_paramedical,142,91,220,51,4.31,101,,False,,4.4,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,10,UW-192,1.25,term_life,250000,annual,2299.83,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.069878,0.112339,SOA_2015_VBT,SOA_Scale_MP2023,1.412,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01747,0.012,False,,1.0,False,,,,0.05,0.3553,False,normal_rate,3.48,2.42,False,False,False,True,False,0.858,5.0,1.0,sub_standard_longevity,24.8,baseline,0.962,0.674,False,,False,,250000.0,994.84,912.94,919.93,7865.42,False,0,1.23,10.93
LI-2024-INS004-004876,2020-08-15,4,29,33,1991,female,never_smoker,33.5,67,213,MN,USA,married,some_college,light_blue_collar,54491.72,0.864,accelerated_UW,149,89,234,33,7.09,96,4.8,False,98.9,,False,False,False,False,False,none,,none,none,none,6,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,True,52,UW-345,1.5,whole_life,1000000,annual,4567.56,,none,3058.2,,,True,none,independent_broker,False,False,False,0.001358,0.00478,SOA_2015_VBT,SOA_Scale_MP2023,1.576,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000679,0.022,True,0.00228,1.0,False,,,,0.04,0.0404,False,normal_rate,4.59,1.47,False,False,False,False,False,0.849,70.0,55.0,super_preferred_longevity,100.0,baseline,0.852,0.702,False,,False,,996941.8,36251.18,36527.63,36540.48,8678.36,False,0,1.98,13.81
LI-2024-INS004-004877,2021-11-05,1,36,37,1985,female,never_smoker,34.0,67,216,MO,USA,divorced,less_than_hs,light_blue_collar,171494.66,0.2799,full_paramedical,122,69,168,55,3.05,99,7.9,False,99.6,,True,False,False,False,False,none,,type_2,none,depression,1,False,False,False,False,True,substandard_table_5,,5.0,False,False,False,False,39,UW-091,2.25,term_life,1000000,semi_annual,7351.14,30.0,none,,,,True,none,employer_group,False,False,False,0.001707,0.014696,SOA_2015_VBT,SOA_Scale_MP2023,2.28,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002134,0.02,True,0.00754,1.0,False,,,,0.1,0.248,False,normal_rate,4.13,2.43,False,False,False,False,False,0.938,60.5,59.8,super_preferred_longevity,100.0,baseline,1.29,0.295,True,60.0,False,,1000000.0,55914.8,57108.75,58809.12,13967.17,False,0,0.76,-20.0
LI-2024-INS004-004878,2021-10-07,6,44,50,1977,female,never_smoker,28.4,61,150,SD,USA,divorced,bachelors,hazardous,114713.21,0.6084,full_paramedical,141,97,227,66,3.44,100,5.0,False,78.6,,True,False,True,False,False,none,,none,none,bipolar,7,False,False,False,False,False,substandard_table_4,4.99,4.0,True,False,False,False,16,UW-220,2.0,universal_life,1000000,annual,8237.87,,10yr_declining,5995.1,,,True,none,independent_broker,False,False,False,0.004288,0.017422,SOA_2015_VBT,SOA_Scale_MP2023,2.164,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004288,0.018,True,0.00345,1.0,False,,,,0.06,0.0328,False,normal_rate,2.7,1.76,False,False,False,False,False,0.928,55.4,49.8,super_preferred_longevity,100.0,baseline,1.044,0.477,False,,True,0.295,994004.9,67234.88,57065.73,65902.96,15651.95,False,0,1.01,0.63
LI-2024-INS004-004879,2000-10-19,20,24,44,1976,female,former_smoker,24.1,60,123,LA,USA,married,graduate,light_blue_collar,20000.0,0.6069,non_med_guaranteed,156,89,218,57,3.82,71,,False,,,False,False,False,False,False,none,,none,none,anxiety,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,7,UW-182,1.5,term_life,500000,annual,2407.41,10.0,none,,,,False,none,worksite,False,False,False,0.003542,0.007677,SOA_2015_VBT,SOA_Scale_MP2023,1.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001771,0.018,False,,1.0,False,,,,0.03,0.0364,False,normal_rate,3.25,2.6,True,False,False,False,False,0.817,70.0,50.0,super_preferred_longevity,96.6,baseline,1.045,0.848,False,,False,,500000.0,20864.38,17338.49,19259.28,4574.08,False,0,3.17,13.4
LI-2024-INS004-004880,2017-05-04,5,20,25,1997,male,never_smoker,33.2,70,231,GA,USA,single,bachelors,white_collar,37824.06,0.6504,simplified_issue,108,70,230,48,4.79,92,5.4,False,99.8,,False,False,False,False,True,other,0.1,none,none,none,7,False,False,False,True,True,substandard_table_6,,6.0,False,False,False,False,30,UW-151,2.5,term_life,250000,monthly,1329.83,20.0,none,,,,False,none,captive_agent,False,False,False,0.001183,0.004982,SOA_2015_VBT,SOA_Scale_MP2023,2.68,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001774,0.022,False,,1.0,False,,,,0.07,0.0826,False,normal_rate,4.38,0.68,False,False,False,False,False,0.866,70.0,63.7,super_preferred_longevity,100.0,baseline,1.012,0.533,True,78.9,False,,250000.0,10895.74,9804.49,10638.64,2526.68,False,0,1.72,-16.53
LI-2024-INS004-004881,2001-02-02,19,53,72,1948,male,never_smoker,30.1,73,228,AR,USA,married,less_than_hs,professional,89800.44,0.7699,limited_exam,119,80,223,52,4.29,99,,False,72.0,9.27,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,24,UW-096,2.25,whole_life,1000000,monthly,12405.25,,none,16819.44,,,True,none,independent_broker,False,False,False,0.030104,0.104286,SOA_2015_VBT,SOA_Scale_MP2023,2.4,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.03763,0.008,False,,1.0,False,,,,0.015,0.0163,False,normal_rate,3.14,2.49,False,False,False,False,False,0.904,34.9,15.9,standard_longevity,47.9,baseline,0.923,0.767,False,,False,,983180.56,85230.71,74762.66,78897.39,27638.9,False,0,0.16,-9.69
LI-2024-INS004-004882,2022-07-22,2,23,25,1999,male,never_smoker,26.8,75,214,OH,USA,single,high_school,professional,33379.2,0.3222,full_paramedical,120,79,227,53,4.28,90,4.9,False,,,True,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred_plus,,,False,False,False,False,26,UW-169,0.65,term_life,5000000,monthly,7238.31,25.0,none,,,,True,excess_of_loss,employer_group,False,False,False,0.001183,0.004412,SOA_2015_VBT,SOA_Scale_MP2023,0.559,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,True,0.00358,1.0,False,,,,0.07,0.1211,False,normal_rate,5.45,0.85,False,False,False,False,False,0.767,70.0,55.0,super_preferred_longevity,99.8,baseline,1.258,0.267,False,,False,,5000000.0,59435.11,55251.21,57906.48,13752.79,False,0,3.98,27.36
LI-2024-INS004-004883,2001-06-05,14,36,50,1965,female,never_smoker,35.6,67,227,NV,USA,divorced,some_college,white_collar,48738.79,0.4958,accelerated_UW,138,83,228,50,4.56,118,7.6,False,91.2,,False,False,False,False,False,none,,type_2,none,schizophrenia,4,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,True,42,UW-361,2.25,indexed_ul,500000,monthly,5245.2,,10yr_declining,5678.54,,,False,none,independent_broker,False,False,False,0.004288,0.016523,SOA_2015_VBT,SOA_Scale_MP2023,2.308,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005359,0.015,False,,1.0,False,,,,0.04,0.0521,False,normal_rate,5.17,2.44,False,False,False,False,False,0.913,57.9,43.9,super_preferred_longevity,85.8,baseline,1.128,0.291,False,,False,,494321.46,40246.64,39690.24,41961.6,9965.88,False,0,-1.93,-20.0
LI-2024-INS004-004884,2006-09-12,9,72,81,1934,male,former_smoker,30.1,70,210,IN,USA,married,graduate,hazardous,20000.0,0.5983,simplified_issue,152,85,233,44,5.3,96,5.2,False,63.9,4.5,False,False,False,False,False,none,,none,none,none,15,False,False,False,False,False,substandard_table_2,3.71,2.0,True,False,False,False,22,UW-077,1.5,whole_life,500000,quarterly,4555.8,,none,4153.01,,,False,none,worksite,False,False,False,0.084121,0.183201,SOA_2015_VBT,SOA_Scale_MP2023,1.596,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.04206,0.005,False,,1.0,False,,,,0.02,0.0244,False,normal_rate,2.65,1.48,False,False,False,False,False,0.995,12.9,3.9,sub_standard_longevity,27.3,baseline,1.051,0.643,False,,False,,495846.99,6564.98,7427.24,7107.05,14523.89,False,0,-1.0,5.55
LI-2024-INS004-004885,2016-09-22,9,22,31,1994,female,never_smoker,29.9,61,158,ND,USA,married,high_school,professional,99277.24,0.2433,limited_exam,142,99,169,56,3.02,95,,False,83.3,,True,False,False,False,False,none,,none,none,depression,8,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,49,UW-338,1.5,indexed_ul,500000,monthly,1881.82,,15yr_declining,1613.21,,,False,none,bank,False,False,False,0.001226,0.003072,SOA_2015_VBT,SOA_Scale_MP2023,1.523,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000613,0.022,False,,1.0,False,,,,0.06,0.0406,False,normal_rate,1.87,1.5,False,False,False,False,False,0.968,70.0,55.0,super_preferred_longevity,98.6,baseline,1.318,0.288,False,,False,,498386.79,14851.14,15212.11,15054.56,3575.46,False,0,2.35,8.38
LI-2024-INS004-004886,2015-10-27,2,79,81,1936,male,former_smoker,31.6,61,167,MN,USA,widowed,graduate,heavy_blue_collar,37301.15,0.6153,full_paramedical,134,78,216,45,4.8,102,,False,71.2,6.54,False,True,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_1,1.34,1.0,False,False,False,False,20,UW-170,1.25,universal_life,1000000,quarterly,7627.32,,10yr_declining,4677.07,,,True,excess_of_loss,captive_agent,False,False,False,0.084968,0.144604,SOA_2015_VBT,SOA_Scale_MP2023,1.398,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021242,0.005,False,,1.0,False,,,,0.08,0.0435,False,normal_rate,3.52,2.76,False,False,False,False,False,0.967,6.3,4.3,sub_standard_longevity,28.2,baseline,1.039,0.592,False,,False,,995322.93,12959.48,12194.53,13118.99,24071.82,False,0,0.65,9.42
LI-2024-INS004-004887,2017-07-08,6,80,86,1937,female,never_smoker,21.3,71,152,VT,USA,married,high_school,light_blue_collar,29543.22,0.6528,non_med_guaranteed,125,69,201,66,3.05,87,4.9,False,60.5,,True,False,True,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,21,UW-437,2.25,universal_life,2000000,semi_annual,35528.33,,10yr_declining,29003.89,22071.96,0.761,True,none,captive_agent,False,False,False,0.080665,0.294079,SOA_2015_VBT,SOA_Scale_MP2023,2.371,cancer,True,2023-06-29,False,False,962286.79,0.0007,5e-05,1.095,0.100832,0.005,False,,1.0,False,,,,0.06,0.0191,False,normal_rate,2.95,1.6,True,False,False,False,False,0.802,12.6,6.6,standard_longevity,42.2,baseline,1.01,0.673,False,,False,,1970996.11,92559.23,86235.33,93794.79,105590.2,False,0,0.32,-14.12
LI-2024-INS004-004888,2009-11-19,15,71,86,1938,female,never_smoker,29.4,67,187,NJ,USA,single,graduate,white_collar,259400.13,0.5399,limited_exam,132,80,235,53,4.43,111,5.7,False,,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,preferred,,,False,False,False,False,12,UW-398,0.77,term_life,100000,quarterly,560.26,20.0,none,,,,False,none,employer_group,False,False,False,0.081071,0.073065,SOA_2015_VBT,SOA_Scale_MP2023,0.823,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.03,0.0457,False,normal_rate,2.32,2.97,False,False,False,False,False,0.83,18.3,3.3,sub_standard_longevity,25.5,baseline,1.095,0.46,False,,False,,100000.0,698.09,657.24,739.54,1813.0,False,0,8.31,29.31
LI-2024-INS004-004889,2009-01-23,17,64,81,1945,female,never_smoker,27.5,64,159,AZ,USA,married,bachelors,professional,111776.45,0.6128,full_paramedical,165,119,211,51,4.14,101,,False,67.8,,True,False,False,False,False,none,,none,none,anxiety,8,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,22,UW-312,2.5,whole_life,1000000,monthly,15687.97,,none,19737.34,,,True,excess_of_loss,captive_agent,False,False,False,0.051495,0.220986,SOA_2015_VBT,SOA_Scale_MP2023,2.683,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.077243,0.008,False,,1.0,False,,,,0.015,0.0181,False,normal_rate,2.63,1.57,False,False,False,False,False,0.813,26.8,9.8,standard_longevity,36.4,baseline,1.04,0.517,False,,False,,980262.66,56249.02,63623.94,61496.84,42608.53,False,0,-0.78,-17.77
LI-2024-INS004-004890,2005-09-22,4,51,55,1954,female,never_smoker,29.8,66,184,MO,USA,married,high_school,light_blue_collar,164983.29,0.3982,full_paramedical,119,74,176,38,4.63,93,5.3,False,,,False,False,True,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,21,UW-408,0.81,whole_life,500000,quarterly,2098.27,,none,1408.95,,,False,none,bank,False,False,False,0.005622,0.005119,SOA_2015_VBT,SOA_Scale_MP2023,0.758,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.04,0.0553,False,normal_rate,3.93,2.83,False,False,False,False,False,0.92,43.7,39.7,super_preferred_longevity,88.0,baseline,1.201,0.542,False,,False,,498591.05,16703.56,15926.76,16786.16,3986.71,False,0,6.66,19.82
LI-2024-INS004-004891,2020-09-01,3,33,36,1987,female,never_smoker,28.8,68,189,AZ,USA,divorced,some_college,white_collar,69771.84,0.7407,full_paramedical,107,69,215,47,4.57,91,4.7,False,86.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred,,,False,False,False,False,18,UW-399,0.76,whole_life,250000,annual,514.33,,none,352.91,,,True,excess_of_loss,captive_agent,False,False,False,0.001608,0.005573,SOA_2015_VBT,SOA_Scale_MP2023,0.785,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00438,1.0,True,2025-07-06,unknown,3.0,0.04,0.0443,False,normal_rate,1.84,2.06,False,False,False,False,False,0.996,65.6,55.0,super_preferred_longevity,100.0,baseline,0.944,0.738,False,,False,,249647.09,4292.53,3640.51,4114.64,977.23,False,0,4.51,14.4
LI-2024-INS004-004892,2012-09-07,11,22,33,1990,male,never_smoker,19.0,73,144,NY,USA,married,graduate,light_blue_collar,165201.94,0.6737,non_med_guaranteed,114,73,188,41,4.59,86,5.2,False,92.1,,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,30,UW-031,0.63,term_life,500000,monthly,748.59,20.0,none,,,,False,none,bank,False,False,False,0.001698,0.001064,SOA_2015_VBT,SOA_Scale_MP2023,0.63,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.03,0.0348,False,normal_rate,4.19,1.46,False,False,False,False,False,0.876,70.0,55.0,super_preferred_longevity,100.0,baseline,0.995,0.557,False,,False,,500000.0,5579.93,6247.28,5988.72,1422.32,False,0,1.74,23.72
LI-2024-INS004-004893,2006-05-07,18,47,65,1959,female,never_smoker,29.1,63,164,FL,USA,married,graduate,white_collar,20000.0,0.9223,full_paramedical,162,97,188,41,4.59,112,5.6,False,69.5,,False,False,False,True,False,none,,none,none,schizophrenia,8,False,False,True,False,True,substandard_table_6,,6.0,False,False,False,False,46,UW-253,2.5,term_life,500000,quarterly,6505.83,15.0,none,,,,False,none,captive_agent,False,False,False,0.013956,0.049463,SOA_2015_VBT,SOA_Scale_MP2023,2.529,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.020935,0.012,False,,1.0,False,,,,0.03,0.0289,False,normal_rate,3.02,0.97,True,False,False,False,False,0.927,47.5,29.5,preferred_longevity,70.6,baseline,0.808,1.0,False,,False,,500000.0,48816.2,49673.92,52046.64,12361.08,False,0,-3.28,-19.27
LI-2024-INS004-004894,2024-12-09,3,75,78,1949,male,former_smoker,42.2,62,230,AK,USA,single,some_college,heavy_blue_collar,124471.43,0.546,full_paramedical,149,94,255,20,12.75,116,8.4,False,,2.98,False,False,False,False,False,none,,type_2,none,none,1,False,False,False,False,True,substandard_table_5,1.2,5.0,False,False,False,False,16,UW-331,2.25,term_life,500000,monthly,6664.21,15.0,none,,,,True,quota_share,employer_group,False,False,False,0.066608,0.263179,SOA_2015_VBT,SOA_Scale_MP2023,2.477,cancer,True,2026-01-04,True,False,946671.63,0.0007,5e-05,1.095,0.08326,0.008,False,,1.0,True,2025-10-06,non_payment,3.0,0.07,0.1061,False,normal_rate,3.43,1.2,False,False,False,False,False,0.823,12.2,9.2,sub_standard_longevity,34.5,baseline,1.091,0.376,False,,False,,500000.0,22237.73,23331.67,24524.29,18419.88,False,0,2.56,-10.68
LI-2024-INS004-004895,2009-04-09,11,36,47,1973,male,former_smoker,28.6,61,151,NH,USA,married,some_college,professional,29509.77,0.4189,full_paramedical,131,69,205,51,4.02,72,,False,81.7,3.03,False,False,False,False,False,none,,none,none,none,4,True,False,False,False,False,preferred,4.18,,True,False,False,False,26,UW-302,0.76,annuity_deferred,5000000,annual,14061.85,,none,13456.9,,,True,excess_of_loss,bank,False,True,False,0.005526,0.005419,SOA_2015_VBT,SOA_Scale_MP2023,0.827,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.01,0.0136,False,normal_rate,3.7,1.76,False,False,False,False,False,0.836,55.1,46.2,super_preferred_longevity,88.1,baseline,1.186,0.394,True,48.8,False,,4986543.1,119302.63,107932.71,112494.8,26717.51,False,0,2.13,13.27
LI-2024-INS004-004896,2006-01-23,21,21,42,1985,female,never_smoker,25.4,63,143,SD,USA,single,high_school,professional,20000.0,0.8629,full_paramedical,134,93,239,59,4.05,78,4.6,True,,,True,False,False,False,False,none,,none,none,bipolar,8,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,21,UW-408,2.0,whole_life,250000,monthly,1592.2,,none,2248.72,,,False,none,employer_group,False,False,False,0.004731,0.013297,SOA_2015_VBT,SOA_Scale_MP2023,2.123,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004731,0.02,False,,1.0,False,,,,0.015,0.0182,False,normal_rate,2.85,1.09,False,False,False,False,False,0.816,70.0,49.0,super_preferred_longevity,98.9,baseline,0.853,0.87,False,,False,,247751.28,11840.82,12572.55,12737.6,3025.18,False,0,-0.83,-8.67
LI-2024-INS004-004897,2013-01-09,13,73,86,1940,female,never_smoker,25.6,71,183,SD,USA,single,some_college,white_collar,20000.0,0.3996,full_paramedical,155,97,270,51,5.29,92,,False,56.7,,False,False,False,False,True,lung,7.5,none,none,none,3,False,False,False,False,True,substandard_table_12,,12.0,False,False,False,False,44,UW-189,4.0,group_life,100000,monthly,2740.28,,none,,,,False,none,direct_to_consumer,False,False,False,0.075933,0.75643,SOA_2015_VBT,SOA_Scale_MP2023,5.8,respiratory,True,2022-03-21,False,False,1746591.61,0.0007,5e-05,1.095,0.2278,0.008,False,,1.0,True,2026-04-21,non_payment,13.0,0.1,0.1932,False,normal_rate,4.09,1.72,False,False,False,True,False,0.769,16.2,3.6,sub_standard_longevity,23.9,baseline,1.2,0.356,True,73.2,False,,100000.0,4309.87,3654.2,3946.0,8801.78,False,0,-0.5,-20.0
LI-2024-INS004-004898,2002-04-08,1,56,57,1946,female,former_smoker,25.5,66,158,WV,USA,married,graduate,white_collar,43677.44,0.2807,accelerated_UW,145,91,192,38,5.05,89,,False,85.1,,True,True,False,False,False,none,,none,none,anxiety,14,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,7,UW-335,1.25,whole_life,250000,semi_annual,1590.67,,none,1008.42,,,False,none,independent_broker,True,False,False,0.008461,0.017313,SOA_2015_VBT,SOA_Scale_MP2023,1.393,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002115,0.008,False,,1.0,False,,,,0.06,0.1239,False,normal_rate,2.49,0.61,False,False,False,False,False,0.945,33.7,32.7,preferred_longevity,65.8,baseline,1.289,0.368,False,,False,,248991.58,13588.74,12283.39,12725.36,3022.27,False,0,0.08,16.03
LI-2024-INS004-004899,2005-10-19,5,25,30,1980,female,never_smoker,26.1,63,147,AK,USA,married,bachelors,white_collar,77023.04,0.5966,simplified_issue,87,53,189,36,5.25,83,5.6,False,92.6,,True,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,True,True,standard,,,False,True,False,False,18,UW-347,1.0,whole_life,2000000,semi_annual,4600.45,,none,3296.5,,,True,none,independent_broker,False,False,False,0.001168,0.001277,SOA_2015_VBT,SOA_Scale_MP2023,1.039,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.04,0.0489,False,normal_rate,3.72,1.7,False,False,False,False,False,0.775,70.0,59.4,super_preferred_longevity,100.0,baseline,1.053,0.455,True,57.9,False,,1996703.5,34528.84,31836.2,36803.6,8740.85,False,0,5.05,24.27
LI-2024-INS004-004900,2011-09-02,8,58,66,1953,male,never_smoker,32.0,70,223,WY,USA,married,high_school,white_collar,40641.92,0.6502,simplified_issue,133,83,211,52,4.06,92,5.6,False,,4.3,False,True,False,True,False,none,,none,none,none,4,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,28,UW-276,2.5,group_life,1000000,quarterly,13871.91,,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.017696,0.073748,SOA_2015_VBT,SOA_Scale_MP2023,2.635,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026544,0.012,False,,1.0,False,,,,0.12,0.1982,False,normal_rate,4.42,0.54,False,False,False,False,False,0.754,30.5,22.5,standard_longevity,56.0,baseline,1.012,0.548,False,,False,,1000000.0,105756.9,104590.58,110975.28,26356.63,False,0,0.93,-16.47
LI-2024-INS004-004901,2015-06-18,10,50,60,1965,male,never_smoker,21.3,73,161,TN,USA,married,bachelors,light_blue_collar,151021.44,0.7816,full_paramedical,156,102,182,39,4.67,79,5.0,False,83.1,3.09,False,False,False,False,False,none,,none,none,substance_use_disorder,2,False,False,False,False,False,standard,,,False,True,False,False,29,UW-322,1.0,indexed_ul,500000,annual,2694.36,,15yr_declining,2463.27,,,False,none,direct_to_consumer,False,False,False,0.012208,0.011234,SOA_2015_VBT,SOA_Scale_MP2023,1.007,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.06,0.0406,False,normal_rate,5.06,0.59,False,False,False,False,False,0.783,41.1,31.1,preferred_longevity,70.9,baseline,0.914,0.791,False,,False,,497536.73,21972.55,21862.82,21554.88,5119.28,False,0,7.19,14.99
LI-2024-INS004-004902,2017-03-19,7,18,25,1999,female,never_smoker,30.7,63,173,WY,USA,single,high_school,professional,87723.94,0.8429,full_paramedical,129,76,172,49,3.51,91,,False,92.6,,False,False,True,False,False,none,,none,none,anxiety,8,False,False,False,False,False,standard_plus,,,False,False,False,False,7,UW-386,0.91,term_life,1000000,monthly,1802.29,25.0,none,,,,True,quota_share,captive_agent,False,False,False,0.000946,0.000759,SOA_2015_VBT,SOA_Scale_MP2023,0.924,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.0513,False,normal_rate,4.71,0.68,False,False,False,False,False,0.989,70.0,55.0,super_preferred_longevity,100.0,baseline,0.868,0.797,False,,False,,1000000.0,13488.32,13058.62,14418.32,3424.35,False,0,6.02,22.67
LI-2024-INS004-004903,2022-04-06,3,63,66,1959,male,current_smoker,25.1,65,151,ND,USA,single,some_college,professional,38841.28,0.8567,full_paramedical,146,78,214,46,4.65,95,5.8,True,63.1,1.64,False,False,True,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-313,2.0,whole_life,1000000,annual,10430.54,,none,7553.47,,,True,excess_of_loss,employer_group,False,False,False,0.03805,0.109284,SOA_2015_VBT,SOA_Scale_MP2023,2.09,cancer,True,2024-01-17,True,False,139585.97,0.0007,5e-05,1.095,0.03805,0.012,True,0.00304,1.0,False,,,,0.04,0.0487,False,normal_rate,3.36,2.56,False,True,False,False,False,0.88,30.2,27.2,preferred_longevity,76.2,baseline,0.857,0.839,False,,False,,992446.53,79556.7,78765.5,83444.32,19818.03,False,0,0.48,-3.51
LI-2024-INS004-004904,2011-09-23,9,64,73,1947,female,current_smoker,29.6,71,212,TX,USA,married,some_college,hazardous,114437.28,0.4101,full_paramedical,131,79,237,43,5.51,96,,True,,,False,False,False,False,False,none,,none,mild_gold_1,depression,1,False,False,False,False,False,substandard_table_4,4.68,4.0,True,False,False,False,27,UW-373,2.0,term_life,500000,quarterly,5356.07,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.052145,0.190618,SOA_2015_VBT,SOA_Scale_MP2023,2.227,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.052145,0.008,False,,1.0,False,,,,0.05,0.096,False,normal_rate,2.79,2.07,False,False,False,False,False,0.894,26.3,17.3,standard_longevity,44.6,baseline,1.192,0.438,False,,False,,500000.0,37914.54,31975.35,37064.0,11333.44,False,0,-0.64,-2.8
LI-2024-INS004-004905,2016-08-27,10,25,35,1991,female,never_smoker,17.9,64,104,NC,USA,married,bachelors,white_collar,33373.53,0.5547,simplified_issue,109,67,127,51,2.49,91,,False,,,False,True,True,False,False,none,,none,none,none,7,False,True,False,False,False,preferred,,,False,False,False,False,16,UW-315,0.76,term_life,1000000,semi_annual,2416.07,20.0,none,,,,True,none,captive_agent,False,False,False,0.001517,0.001268,SOA_2015_VBT,SOA_Scale_MP2023,0.771,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.05,0.0628,False,normal_rate,2.97,0.99,False,False,False,False,False,0.947,70.0,55.0,super_preferred_longevity,100.0,baseline,1.084,0.55,False,,False,,1000000.0,17782.88,20198.48,19328.56,4590.53,False,0,7.13,20.02
LI-2024-INS004-004906,2024-03-11,3,38,41,1986,male,never_smoker,25.0,62,136,MD,USA,married,high_school,hazardous,85426.28,0.3576,full_paramedical,97,59,166,55,3.02,113,4.7,False,69.0,0.55,False,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,preferred_plus,3.28,,True,False,False,False,24,UW-468,0.61,universal_life,5000000,semi_annual,10867.05,,15yr_declining,7622.08,,,True,none,employer_group,False,False,False,0.002761,0.002252,SOA_2015_VBT,SOA_Scale_MP2023,0.662,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.08,0.0611,False,normal_rate,3.19,1.04,False,False,False,False,False,0.964,54.9,51.9,super_preferred_longevity,95.7,baseline,1.232,0.427,False,,False,,4992377.92,88810.03,74033.91,86936.4,20647.39,False,0,3.47,19.64
LI-2024-INS004-004907,2010-08-20,10,31,41,1979,male,never_smoker,22.2,73,168,AZ,USA,single,some_college,white_collar,81983.28,0.3736,accelerated_UW,126,89,184,47,3.91,89,,False,90.8,0.48,False,False,True,False,False,none,,none,none,none,6,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,25,UW-467,1.25,indexed_ul,250000,monthly,1185.77,,10yr_declining,1100.3,,,False,none,employer_group,False,False,False,0.002761,0.004958,SOA_2015_VBT,SOA_Scale_MP2023,1.267,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00069,0.018,False,,1.0,False,,,,0.06,0.0454,False,normal_rate,3.26,0.65,False,False,False,False,False,0.772,63.8,59.3,super_preferred_longevity,100.0,baseline,1.22,0.525,True,64.5,False,,248899.7,10197.22,8472.79,9486.16,2252.96,False,0,0.43,6.27
LI-2024-INS004-004908,2002-12-27,11,75,86,1927,male,unknown,24.0,62,131,ME,USA,married,high_school,light_blue_collar,60971.48,0.7439,full_paramedical,141,84,256,56,4.57,85,5.1,False,,20.0,False,False,False,False,False,none,,none,none,anxiety,13,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,18,UW-063,1.25,term_life,250000,monthly,2482.16,20.0,none,,,,False,none,worksite,False,False,False,0.084336,0.130965,SOA_2015_VBT,SOA_Scale_MP2023,1.383,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021084,0.012,False,,1.0,False,,,,0.03,0.0331,False,normal_rate,5.46,1.97,False,False,False,False,False,0.99,10.0,1.0,sub_standard_longevity,25.2,baseline,0.942,0.6,False,,False,,250000.0,1008.7,892.82,992.86,8488.99,False,0,1.5,17.37
LI-2024-INS004-004909,2017-02-22,5,79,84,1938,male,former_smoker,28.8,66,178,HI,USA,single,high_school,professional,27186.8,0.2721,simplified_issue,144,97,246,57,4.32,89,,False,56.4,5.91,True,True,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,25,UW-199,1.0,term_life,500000,annual,3887.68,20.0,none,,,,True,facultative,captive_agent,False,False,False,0.111101,0.156936,SOA_2015_VBT,SOA_Scale_MP2023,1.09,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.005,False,,1.0,False,,,,0.07,0.1453,False,normal_rate,2.83,0.87,False,False,False,False,False,0.877,5.2,1.0,sub_standard_longevity,18.1,baseline,1.296,0.339,False,,False,,500000.0,1557.47,1624.43,1555.07,13295.87,False,0,2.96,17.66
LI-2024-INS004-004910,2020-10-21,1,54,55,1966,male,never_smoker,32.3,69,218,LA,USA,divorced,graduate,professional,22073.87,0.6379,full_paramedical,121,76,180,37,4.86,99,4.7,False,90.2,5.83,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,25,UW-013,1.25,annuity_immediate,250000,quarterly,1572.25,,none,,,,False,none,bank,False,False,False,0.008025,0.015827,SOA_2015_VBT,SOA_Scale_MP2023,1.303,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002006,0.015,True,0.00314,1.0,False,,,,0.01,0.0119,False,normal_rate,4.08,2.49,False,False,False,False,False,0.765,36.7,35.7,preferred_longevity,75.6,baseline,1.022,0.698,False,,False,,250000.0,12425.58,10862.95,12578.0,2987.27,False,0,0.54,9.52
LI-2024-INS004-004911,2011-02-15,11,72,83,1939,male,never_smoker,22.2,66,137,OH,USA,married,bachelors,professional,51222.32,0.7087,full_paramedical,161,86,245,52,4.71,88,5.1,False,69.4,5.0,False,False,False,False,False,none,,none,none,bipolar,7,False,False,True,True,True,substandard_table_4,,4.0,False,False,False,False,59,UW-208,2.0,annuity_deferred,500000,quarterly,7317.24,,none,6937.33,,,False,none,independent_broker,False,False,False,0.078834,0.248098,SOA_2015_VBT,SOA_Scale_MP2023,2.217,cancer,True,2012-03-21,True,True,1146358.85,0.0007,5e-05,1.095,0.078834,0.005,False,,1.0,False,,,,0.01,0.0113,False,normal_rate,3.62,2.07,False,False,False,False,False,0.945,14.1,3.1,sub_standard_longevity,27.8,baseline,0.968,0.73,False,,False,,493062.67,8556.67,9196.4,9073.38,23795.66,False,0,2.7,-2.25
LI-2024-INS004-004912,2015-01-08,11,53,64,1962,female,never_smoker,30.0,72,221,VA,USA,divorced,some_college,light_blue_collar,20000.0,0.7083,full_paramedical,132,85,196,49,4.0,112,5.5,False,102.0,,False,True,False,False,False,none,,none,none,depression,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,15,UW-286,1.25,term_life,500000,semi_annual,3671.72,30.0,none,,,,True,facultative,independent_broker,False,False,False,0.013152,0.020056,SOA_2015_VBT,SOA_Scale_MP2023,1.316,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003288,0.015,False,,1.0,False,,,,0.03,0.034,False,normal_rate,3.42,0.57,False,False,False,False,False,0.91,41.3,33.7,preferred_longevity,73.7,baseline,0.969,0.622,True,67.4,False,,500000.0,31902.83,25986.23,29373.76,6976.27,False,0,2.96,15.09
LI-2024-INS004-004913,2002-01-10,6,46,52,1956,male,never_smoker,21.2,76,174,MT,USA,married,bachelors,white_collar,72877.35,0.8751,limited_exam,120,73,157,70,2.24,74,4.9,False,,1.53,False,False,False,False,False,none,,none,none,bipolar,2,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,29,UW-068,2.0,annuity_deferred,1000000,annual,7815.55,,none,5814.16,,,True,facultative,employer_group,False,False,False,0.005637,0.015339,SOA_2015_VBT,SOA_Scale_MP2023,2.04,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.005637,0.012,False,,1.0,False,,,,0.02,0.024,False,normal_rate,2.36,1.21,False,False,False,False,False,0.886,43.9,40.9,super_preferred_longevity,87.0,baseline,0.844,0.923,True,58.0,False,,994185.84,64653.25,56111.82,62524.4,14849.54,False,0,0.89,-3.0
LI-2024-INS004-004914,2024-04-09,2,47,49,1977,male,never_smoker,30.7,71,220,HI,USA,widowed,less_than_hs,white_collar,78032.98,0.211,full_paramedical,126,89,227,59,3.85,98,5.5,False,90.4,2.6,False,True,False,False,False,none,,none,none,substance_use_disorder,1,False,False,False,True,True,standard,,,False,True,False,False,21,UW-322,1.0,universal_life,500000,monthly,2038.21,,10yr_declining,1262.41,,,False,none,independent_broker,False,False,False,0.004956,0.00669,SOA_2015_VBT,SOA_Scale_MP2023,1.006,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.08,0.0772,False,normal_rate,3.79,1.07,False,False,False,False,False,0.864,43.8,41.8,preferred_longevity,78.4,baseline,1.342,0.309,False,,False,,498737.59,17138.03,16012.74,16305.68,3872.6,False,0,1.89,10.04
LI-2024-INS004-004915,2007-08-03,20,48,68,1959,female,current_smoker,25.1,64,146,UT,USA,married,high_school,light_blue_collar,169124.31,0.7483,full_paramedical,120,74,186,48,3.88,87,,True,95.8,,False,True,False,False,False,none,,none,moderate_gold_2,depression,0,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,7,UW-460,2.5,whole_life,500000,quarterly,7175.63,,none,10178.23,,,False,none,captive_agent,False,True,False,0.036222,0.145565,SOA_2015_VBT,SOA_Scale_MP2023,2.683,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.054333,0.012,False,,1.0,False,,,,0.015,0.0165,False,normal_rate,2.23,0.93,False,False,False,False,False,0.803,45.8,25.8,preferred_longevity,62.4,baseline,0.939,0.809,False,,False,,489821.77,62090.13,60217.23,57405.04,13633.7,False,0,3.56,-17.23
LI-2024-INS004-004916,2000-02-18,14,31,45,1969,male,never_smoker,20.9,66,129,CO,USA,divorced,bachelors,white_collar,75776.53,0.4257,full_paramedical,120,71,222,62,3.58,84,4.8,False,81.4,4.31,True,False,False,False,False,none,,none,none,bipolar,0,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,12,UW-139,2.0,whole_life,500000,quarterly,3549.53,,none,3671.39,,,False,none,independent_broker,False,True,False,0.003662,0.012501,SOA_2015_VBT,SOA_Scale_MP2023,2.044,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003662,0.015,False,,1.0,False,,,,0.015,0.0204,False,normal_rate,5.43,2.31,False,False,False,False,False,0.882,59.3,45.3,super_preferred_longevity,86.8,baseline,1.181,0.485,False,,False,,496328.61,26626.63,28321.16,28396.24,6744.11,False,0,0.18,-5.68
LI-2024-INS004-004917,2008-11-09,17,21,38,1987,male,current_smoker,31.8,73,240,OR,USA,married,high_school,light_blue_collar,32179.62,0.4522,full_paramedical,123,84,221,38,5.82,94,5.1,True,,,False,False,False,False,False,none,,none,none,anxiety,10,False,False,False,False,False,substandard_table_3,,3.0,False,False,False,False,27,UW-072,1.75,term_life,1000000,monthly,6133.5,30.0,none,,,,True,excess_of_loss,independent_broker,False,False,False,0.004541,0.013811,SOA_2015_VBT,SOA_Scale_MP2023,1.974,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003406,0.02,False,,1.0,False,,,,0.03,0.0401,False,normal_rate,5.7,1.75,False,False,False,False,False,0.803,70.0,53.0,super_preferred_longevity,98.8,baseline,1.161,0.438,False,,False,,1000000.0,44577.18,51515.2,49068.0,11653.65,False,0,1.82,-4.46
LI-2024-INS004-004918,2018-11-24,8,60,68,1958,female,former_smoker,19.3,63,109,CA,USA,married,bachelors,white_collar,194142.62,0.3026,full_paramedical,130,87,266,69,3.86,80,,False,68.6,,True,False,False,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,False,18,UW-397,1.0,universal_life,500000,monthly,3037.48,,15yr_declining,2614.57,,,False,none,captive_agent,True,False,False,0.023262,0.031212,SOA_2015_VBT,SOA_Scale_MP2023,1.054,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.06,0.0394,False,normal_rate,4.13,0.89,False,False,False,True,True,0.771,31.9,26.1,standard_longevity,56.2,baseline,1.273,0.438,True,61.8,False,,497385.43,25279.47,24968.97,24299.84,5771.21,False,0,3.07,17.27
LI-2024-INS004-004919,2019-03-23,5,41,46,1978,female,never_smoker,18.5,70,128,WI,USA,married,bachelors,white_collar,21676.4,0.5501,full_paramedical,107,72,184,69,2.67,81,5.3,False,92.6,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,16,UW-349,0.64,whole_life,500000,annual,1303.57,,none,964.99,,,False,none,employer_group,False,False,False,0.003155,0.00224,SOA_2015_VBT,SOA_Scale_MP2023,0.653,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0605,False,normal_rate,3.69,1.17,False,False,False,False,False,0.995,55.3,54.5,super_preferred_longevity,100.0,baseline,1.087,0.43,True,58.8,False,,499035.01,10322.32,10181.14,10428.56,2476.78,False,0,-1.4,28.4
LI-2024-INS004-004920,2020-04-08,7,36,43,1984,female,never_smoker,18.5,64,107,MN,USA,married,high_school,white_collar,51924.93,0.4025,limited_exam,108,74,194,58,3.34,82,5.6,False,96.6,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,standard_plus,,,False,False,False,False,13,UW-454,0.93,term_life,2000000,monthly,6443.43,15.0,none,,,,True,excess_of_loss,direct_to_consumer,True,False,False,0.002537,0.007052,SOA_2015_VBT,SOA_Scale_MP2023,0.912,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,True,0.00428,1.0,False,,,,0.05,0.0965,False,normal_rate,1.11,0.54,False,False,False,False,False,0.828,60.8,53.8,super_preferred_longevity,99.2,baseline,1.198,0.438,False,,False,,2000000.0,49887.27,50495.73,51547.44,12242.52,False,0,7.05,20.28
LI-2024-INS004-004921,2010-10-12,17,71,88,1939,male,never_smoker,34.4,61,181,IA,USA,single,high_school,light_blue_collar,63129.38,0.3226,limited_exam,137,90,194,64,3.03,90,4.8,False,43.1,7.25,False,False,True,False,False,none,,none,none,bipolar,0,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,False,52,UW-459,2.0,whole_life,2000000,annual,32914.59,,none,40399.9,,,True,quota_share,direct_to_consumer,False,False,False,0.120556,0.437084,SOA_2015_VBT,SOA_Scale_MP2023,2.087,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.120556,0.005,False,,1.0,False,,,,0.015,0.0303,False,normal_rate,2.53,1.08,False,False,False,False,False,0.992,16.5,1.0,sub_standard_longevity,28.8,baseline,1.258,0.423,False,,False,,1959600.1,12709.06,11267.56,13165.84,112567.9,False,0,1.01,-5.29
LI-2024-INS004-004922,2009-08-08,16,68,84,1941,male,former_smoker,30.5,69,206,NJ,USA,single,bachelors,professional,70740.73,0.1715,accelerated_UW,167,99,203,56,3.62,94,5.4,False,40.5,9.22,False,False,False,False,False,none,,none,none,none,9,False,False,True,False,True,substandard_table_4,,4.0,False,False,False,True,44,UW-030,2.0,whole_life,250000,quarterly,3979.47,,none,4840.49,,,False,none,employer_group,False,False,False,0.1049,0.426275,SOA_2015_VBT,SOA_Scale_MP2023,2.234,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.1049,0.008,False,,1.0,False,,,,0.015,0.0281,False,normal_rate,5.95,0.76,False,False,False,False,False,0.803,16.5,1.1,sub_standard_longevity,16.7,baseline,1.371,0.096,True,60.2,False,,245159.51,1726.07,1622.18,1750.97,13577.95,False,0,0.24,-10.72
LI-2024-INS004-004923,2017-01-21,7,24,31,1993,male,never_smoker,24.3,63,137,OH,USA,married,high_school,light_blue_collar,58814.37,0.627,simplified_issue,116,63,215,35,6.14,100,5.4,False,83.8,,False,True,False,False,False,none,,none,none,none,7,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,37,UW-278,1.5,indexed_ul,250000,semi_annual,919.47,,15yr_declining,737.79,,,False,none,captive_agent,False,False,False,0.001532,0.003387,SOA_2015_VBT,SOA_Scale_MP2023,1.661,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000766,0.022,False,,1.0,False,,,,0.06,0.0324,False,normal_rate,5.16,0.91,False,False,False,False,False,0.804,70.0,55.0,super_preferred_longevity,100.0,baseline,1.03,0.677,False,,False,,249262.21,7562.18,6676.65,7355.76,1746.99,False,0,3.2,9.3
LI-2024-INS004-004924,2019-06-25,8,24,32,1995,female,former_smoker,29.3,64,170,MA,USA,married,some_college,light_blue_collar,20000.0,0.4046,full_paramedical,139,83,231,43,5.37,94,,False,67.4,,False,False,False,False,False,none,,none,none,schizophrenia,11,False,False,False,True,True,substandard_table_5,,5.0,False,False,False,False,21,UW-325,2.25,term_life,2000000,monthly,10694.55,30.0,none,,,,True,coinsurance,independent_broker,False,False,False,0.001676,0.007013,SOA_2015_VBT,SOA_Scale_MP2023,2.453,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002095,0.022,False,,1.0,False,,,,0.05,0.0688,False,normal_rate,3.81,2.64,False,False,False,False,False,0.892,70.0,54.9,super_preferred_longevity,100.0,baseline,1.197,0.462,True,32.8,False,,2000000.0,81922.26,78634.39,85556.4,20319.64,False,0,3.68,-10.22
LI-2024-INS004-004925,2016-02-03,3,31,34,1985,female,never_smoker,26.2,59,129,AR,USA,married,high_school,professional,348051.09,0.4014,limited_exam,118,66,161,53,3.04,118,4.9,False,,,False,False,False,False,False,none,,none,none,depression,14,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-449,1.25,term_life,500000,annual,1874.56,20.0,none,,,,False,none,independent_broker,False,False,False,0.001434,0.00279,SOA_2015_VBT,SOA_Scale_MP2023,1.414,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000358,0.02,False,,1.0,False,,,,0.07,0.0965,False,normal_rate,3.86,1.46,False,False,False,False,False,0.954,66.0,55.0,super_preferred_longevity,100.0,baseline,1.199,0.378,False,,False,,500000.0,15051.34,13612.86,14996.48,3561.66,False,0,7.86,9.69
LI-2024-INS004-004926,2018-11-14,1,41,42,1977,female,never_smoker,26.5,60,135,WY,USA,single,graduate,white_collar,45141.27,0.702,accelerated_UW,117,61,161,57,2.82,75,5.4,False,103.9,,False,False,True,False,False,none,,none,none,substance_use_disorder,0,False,False,False,False,False,standard,,,False,True,False,True,25,UW-440,1.0,universal_life,1000000,monthly,3619.06,,10yr_declining,2268.01,,,True,quota_share,bank,False,False,False,0.002366,0.002492,SOA_2015_VBT,SOA_Scale_MP2023,1.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.12,0.0615,False,normal_rate,4.16,2.49,False,False,False,False,False,0.791,58.8,55.0,super_preferred_longevity,100.0,baseline,0.974,0.717,False,,False,,997731.99,29348.22,29711.55,28952.48,6876.21,False,0,3.35,20.86
LI-2024-INS004-004927,2011-12-21,4,46,50,1965,male,former_smoker,31.4,67,200,IN,USA,divorced,bachelors,white_collar,86864.81,0.5499,full_paramedical,136,84,216,43,5.02,116,4.9,False,,1.3,False,False,False,False,False,none,,none,none,none,1,False,True,True,False,True,substandard_table_1,,1.0,False,False,False,False,27,UW-411,1.25,universal_life,250000,annual,1180.77,,15yr_declining,794.06,,,True,facultative,captive_agent,False,False,False,0.006967,0.012547,SOA_2015_VBT,SOA_Scale_MP2023,1.426,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001742,0.015,False,,1.0,False,,,,0.08,0.0454,False,normal_rate,5.09,1.87,False,False,False,False,False,0.785,44.1,40.1,super_preferred_longevity,80.9,baseline,1.088,0.528,False,,False,,249205.94,9355.24,8331.75,9446.16,2243.46,False,0,3.43,12.27
LI-2024-INS004-004928,2021-05-05,2,23,25,1998,male,never_smoker,24.1,71,173,MS,USA,single,some_college,light_blue_collar,248517.39,0.9107,accelerated_UW,106,74,238,60,3.97,75,,False,,,True,False,False,False,False,none,,none,none,schizophrenia,10,False,False,True,False,True,substandard_table_5,,5.0,False,False,False,True,60,UW-234,2.25,term_life,500000,monthly,2448.62,10.0,none,,,,False,none,captive_agent,False,False,False,0.001183,0.005928,SOA_2015_VBT,SOA_Scale_MP2023,2.391,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.022,True,0.00214,1.0,False,,,,0.07,0.068,False,normal_rate,3.13,0.92,False,False,False,False,False,0.973,70.0,55.0,super_preferred_longevity,100.0,baseline,0.817,0.756,False,,False,,500000.0,20616.25,19679.77,19588.96,4652.38,False,0,-1.66,-5.43
LI-2024-INS004-004929,2001-10-03,4,51,55,1950,male,never_smoker,21.9,67,140,NY,USA,divorced,graduate,light_blue_collar,45769.21,0.5711,simplified_issue,113,76,175,54,3.24,109,5.1,False,79.4,2.23,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,preferred_plus,,,False,False,False,False,18,UW-427,0.67,term_life,1000000,quarterly,3516.01,20.0,none,,,,True,facultative,employer_group,False,False,False,0.006696,0.004794,SOA_2015_VBT,SOA_Scale_MP2023,0.668,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,True,2026-02-13,voluntary_surrender,4.0,0.07,0.1044,False,normal_rate,2.77,2.72,False,False,True,False,False,0.923,36.7,32.7,preferred_longevity,70.1,baseline,1.072,0.808,False,,False,,1000000.0,30683.91,27102.98,28128.08,6680.42,False,0,4.88,24.32
LI-2024-INS004-004930,2007-06-27,5,44,49,1963,female,never_smoker,22.9,70,159,DE,USA,married,bachelors,white_collar,20000.0,0.5059,full_paramedical,114,60,187,54,3.46,101,,False,,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,20,UW-225,2.0,annuity_deferred,100000,semi_annual,920.93,,none,670.3,,,False,none,direct_to_consumer,False,False,False,0.003847,0.012692,SOA_2015_VBT,SOA_Scale_MP2023,2.052,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003847,0.015,False,,1.0,False,,,,0.04,0.0725,False,normal_rate,3.85,2.34,False,False,False,False,False,0.786,49.7,44.7,super_preferred_longevity,87.1,baseline,1.121,0.306,False,,False,,99329.7,7158.09,7515.7,7367.44,1749.77,False,0,2.45,-10.26
LI-2024-INS004-004931,2008-06-24,1,65,66,1943,male,never_smoker,28.5,66,176,MN,USA,single,bachelors,professional,35211.85,0.3609,full_paramedical,140,87,197,50,3.94,128,5.6,False,72.7,1.09,True,False,False,False,False,none,,none,none,none,5,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,7,UW-072,1.25,universal_life,500000,semi_annual,3556.21,,10yr_declining,2250.81,,,False,none,employer_group,False,False,False,0.017141,0.031869,SOA_2015_VBT,SOA_Scale_MP2023,1.309,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004285,0.008,False,,1.0,False,,,,0.12,0.0915,False,normal_rate,2.51,0.77,False,False,False,False,False,0.855,20.5,19.5,standard_longevity,47.2,baseline,1.229,0.417,False,,False,,497749.19,26683.24,24337.74,27738.44,6899.05,False,0,-0.02,12.26
LI-2024-INS004-004932,2023-12-25,3,63,66,1960,female,former_smoker,35.8,59,177,ND,USA,married,graduate,professional,36373.8,0.7033,full_paramedical,142,81,247,43,5.74,102,5.1,False,83.1,,True,True,False,False,False,none,,none,none,none,15,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,3,UW-392,1.25,group_life,250000,monthly,1975.33,,none,,,,False,none,employer_group,False,False,False,0.019724,0.032822,SOA_2015_VBT,SOA_Scale_MP2023,1.454,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004931,0.015,False,,1.0,False,,,,0.15,0.2047,False,normal_rate,3.63,2.6,False,False,False,False,False,0.974,31.0,29.3,preferred_longevity,67.0,baseline,0.973,0.62,True,48.6,False,,250000.0,15636.37,13608.23,15802.64,3753.13,False,0,6.31,15.05
LI-2024-INS004-004933,2020-06-12,4,20,24,2000,male,never_smoker,18.2,68,119,MI,USA,married,some_college,light_blue_collar,264525.8,0.8572,simplified_issue,97,55,155,49,3.16,60,,False,95.7,,False,False,False,False,False,none,,none,none,substance_use_disorder,0,True,False,True,False,True,standard,2.98,,True,True,False,False,23,UW-395,1.0,annuity_deferred,250000,monthly,464.58,,none,311.93,,,False,none,captive_agent,False,False,False,0.001141,0.004081,SOA_2015_VBT,SOA_Scale_MP2023,1.051,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00305,1.0,False,,,,0.04,0.0406,False,normal_rate,3.91,2.0,False,False,False,False,False,0.762,70.0,55.0,super_preferred_longevity,100.0,baseline,0.857,0.686,False,,False,,249688.07,3449.11,3749.66,3716.64,882.7,False,0,0.84,26.82
LI-2024-INS004-004934,2014-07-02,1,61,62,1953,female,former_smoker,18.9,63,106,MO,USA,married,some_college,professional,102009.05,0.647,accelerated_UW,126,82,202,61,3.31,77,5.1,False,87.8,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred,,,False,False,False,True,25,UW-057,0.84,indexed_ul,250000,semi_annual,1070.23,,10yr_declining,646.49,,,False,none,bank,True,False,False,0.01303,0.010433,SOA_2015_VBT,SOA_Scale_MP2023,0.789,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.11,0.0585,False,normal_rate,3.79,1.48,True,False,False,False,False,0.907,31.5,30.5,preferred_longevity,68.0,baseline,1.015,0.769,False,,False,,249353.51,8909.77,7478.22,8561.84,2033.44,False,0,3.48,16.1
LI-2024-INS004-004935,2016-11-07,9,38,47,1978,female,former_smoker,15.7,70,109,AR,USA,divorced,bachelors,white_collar,100699.3,0.7678,full_paramedical,124,77,159,58,2.74,79,,False,84.8,,False,True,False,False,False,none,,none,none,depression,8,False,False,False,False,False,declined,,,False,False,True,False,15,UW-273,7.0,indexed_ul,1000000,monthly,31514.28,,15yr_declining,29122.32,,,True,facultative,captive_agent,False,False,False,0.004421,0.057726,SOA_2015_VBT,SOA_Scale_MP2023,7.637,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.026525,0.018,False,,1.0,False,,,,0.06,0.0293,False,normal_rate,3.87,2.09,False,False,False,True,False,0.93,59.2,50.2,super_preferred_longevity,99.3,baseline,0.924,0.843,False,,False,,970877.68,237857.84,260956.63,252114.24,59877.13,False,0,-5.0,-20.0
LI-2024-INS004-004936,2024-08-25,3,45,48,1979,female,never_smoker,37.6,60,192,CO,USA,married,graduate,white_collar,124983.4,0.6231,full_paramedical,125,70,239,40,5.97,113,5.6,False,97.3,,False,False,True,False,False,none,,none,none,depression,5,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-451,1.5,whole_life,500000,monthly,2865.66,,none,1820.78,,,False,none,direct_to_consumer,True,False,False,0.00367,0.008111,SOA_2015_VBT,SOA_Scale_MP2023,1.656,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001835,0.018,False,,1.0,False,,,,0.04,0.0673,False,normal_rate,1.21,1.51,False,False,False,False,True,0.987,54.8,48.8,super_preferred_longevity,100.0,baseline,1.033,0.536,False,,True,-1.992,498179.22,23952.54,20155.78,22925.28,5444.75,False,0,1.54,-1.43
LI-2024-INS004-004937,2008-01-20,9,31,40,1977,female,never_smoker,33.7,62,184,RI,USA,single,high_school,light_blue_collar,73059.45,0.6711,full_paramedical,126,79,174,36,4.83,131,5.4,False,69.5,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,standard_plus,,,False,False,False,False,18,UW-263,0.98,whole_life,500000,quarterly,1593.4,,none,1361.66,,,False,none,worksite,False,False,False,0.002066,0.002047,SOA_2015_VBT,SOA_Scale_MP2023,0.994,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.0233,False,normal_rate,2.6,2.97,False,False,False,False,False,0.942,65.7,64.2,super_preferred_longevity,100.0,baseline,0.997,0.67,True,80.9,False,,498638.34,12474.5,11109.68,12747.2,3027.46,False,0,4.35,22.94
LI-2024-INS004-004938,2002-03-18,18,66,84,1936,female,unknown,27.0,72,198,HI,USA,married,high_school,light_blue_collar,69546.04,0.7164,accelerated_UW,130,89,224,53,4.23,96,5.6,False,72.0,,True,False,True,False,False,none,,none,none,none,0,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,41,UW-228,1.25,term_life,100000,annual,957.15,20.0,none,,,,False,none,independent_broker,False,False,False,0.077841,0.113731,SOA_2015_VBT,SOA_Scale_MP2023,1.258,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.01946,0.005,False,,1.0,False,,,,0.03,0.0338,False,normal_rate,2.38,2.63,False,False,False,False,False,0.983,26.7,8.7,standard_longevity,46.3,baseline,0.963,0.587,False,,False,,100000.0,3014.31,3262.17,3330.88,2683.85,False,0,5.5,9.59
LI-2024-INS004-004939,2014-08-19,1,45,46,1969,male,never_smoker,20.6,74,160,OH,USA,married,some_college,professional,311288.52,0.5752,accelerated_UW,123,76,236,52,4.54,101,5.6,False,89.6,1.66,False,False,False,False,False,none,,none,none,none,8,False,False,False,True,True,preferred_plus,,,False,False,False,True,32,UW-016,0.57,term_life,500000,monthly,1108.65,20.0,none,,,,False,none,captive_agent,False,False,False,0.003943,0.002798,SOA_2015_VBT,SOA_Scale_MP2023,0.664,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,True,2026-03-15,voluntary_surrender,1.0,0.1,0.124,False,normal_rate,3.52,2.7,False,False,False,False,False,0.898,45.9,44.9,super_preferred_longevity,88.5,baseline,1.069,0.591,False,,False,,500000.0,8293.35,8009.6,8869.2,2106.44,False,0,2.53,26.44
LI-2024-INS004-004940,2021-02-05,1,22,23,1999,non_binary,current_smoker,24.4,65,146,HI,USA,single,some_college,hazardous,155814.95,0.5626,full_paramedical,96,50,168,43,3.91,99,,True,,,False,True,False,False,False,none,,none,none,none,15,False,False,False,False,False,substandard_table_2,3.97,2.0,True,False,False,False,12,UW-156,1.5,term_life,250000,monthly,651.63,25.0,none,,,,False,none,direct_to_consumer,False,False,False,0.001985,0.005019,SOA_2015_VBT,SOA_Scale_MP2023,1.501,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000992,0.022,True,0.00082,1.0,False,,,,0.1,0.175,False,normal_rate,0.75,0.74,False,False,False,True,False,0.905,70.0,55.0,super_preferred_longevity,100.0,baseline,1.078,0.649,False,,False,,250000.0,5693.01,5331.28,5213.04,1238.1,False,0,2.15,4.72
LI-2024-INS004-004941,2018-02-13,3,60,63,1958,female,never_smoker,27.9,59,138,OH,USA,married,some_college,white_collar,20000.0,0.3205,simplified_issue,129,68,219,52,4.21,108,5.4,False,82.8,,False,False,False,False,False,none,,none,none,none,9,False,False,False,False,False,preferred,,,False,False,False,False,14,UW-288,0.8,term_life,250000,quarterly,1043.98,15.0,none,,,,False,none,bank,False,False,False,0.011602,0.012378,SOA_2015_VBT,SOA_Scale_MP2023,0.847,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.07,0.1011,False,normal_rate,1.8,2.78,False,False,False,False,False,0.857,31.9,30.2,preferred_longevity,62.6,baseline,1.26,0.303,True,47.3,False,,250000.0,8112.1,8646.1,8351.84,1983.56,False,0,1.84,20.26
LI-2024-INS004-004942,2020-08-19,6,39,45,1981,male,never_smoker,15.0,68,98,NE,USA,widowed,less_than_hs,light_blue_collar,136287.9,0.4415,full_paramedical,126,68,160,62,2.58,103,4.6,False,91.8,0.54,False,False,False,False,False,none,,none,none,anxiety,9,False,False,False,False,False,declined,,,False,False,True,False,5,UW-101,7.0,indexed_ul,250000,annual,6280.71,,10yr_declining,4948.44,,,True,excess_of_loss,bank,True,False,False,0.003662,0.054749,SOA_2015_VBT,SOA_Scale_MP2023,7.115,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021973,0.02,True,0.00232,1.0,False,,,,0.06,0.0364,False,normal_rate,4.79,1.93,False,False,False,False,False,0.845,53.5,47.5,super_preferred_longevity,90.4,baseline,1.169,0.605,False,,False,,245051.56,50843.88,43854.75,50245.68,11933.35,False,0,-5.0,-20.0
LI-2024-INS004-004943,2005-06-02,17,64,81,1941,female,former_smoker,24.4,58,116,KS,USA,married,high_school,light_blue_collar,137552.22,0.3099,full_paramedical,120,73,199,28,7.11,68,,False,53.5,,False,False,True,True,False,none,,none,none,substance_use_disorder,13,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,41,UW-420,2.5,term_life,500000,semi_annual,7342.17,30.0,none,,,,False,none,captive_agent,False,False,False,0.064827,0.31763,SOA_2015_VBT,SOA_Scale_MP2023,2.682,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.097241,0.008,False,,1.0,False,,,,0.03,0.0436,False,normal_rate,3.27,2.42,False,False,False,False,False,0.837,28.0,12.3,standard_longevity,45.6,baseline,1.268,0.368,True,69.6,False,,500000.0,36373.63,31555.68,36123.48,18472.9,False,0,1.02,-20.0
LI-2024-INS004-004944,2008-07-22,2,37,39,1971,female,current_smoker,28.4,60,145,MS,USA,married,high_school,heavy_blue_collar,37273.51,0.7204,simplified_issue,119,80,244,57,4.28,93,5.6,True,95.0,,False,False,True,True,False,none,,none,none,depression,0,False,True,False,False,True,substandard_table_8,1.29,8.0,False,False,False,False,25,UW-383,3.0,whole_life,250000,monthly,2787.6,,none,1689.67,,,False,none,captive_agent,False,False,False,0.003871,0.020626,SOA_2015_VBT,SOA_Scale_MP2023,3.468,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007742,0.018,False,,1.0,False,,,,0.04,0.0449,False,normal_rate,2.81,1.65,False,False,False,False,False,0.85,62.0,55.0,super_preferred_longevity,100.0,baseline,0.96,0.627,True,51.8,True,-1.271,248310.33,21224.7,19787.71,22300.8,5296.44,False,0,-0.46,-20.0
LI-2024-INS004-004945,2011-10-08,4,18,22,1993,female,never_smoker,27.2,58,130,OK,USA,married,bachelors,light_blue_collar,143657.65,0.5981,accelerated_UW,127,73,165,37,4.46,104,5.9,False,,,False,False,False,False,False,none,,none,none,none,5,False,False,True,False,True,preferred_plus,,,False,False,False,True,32,UW-278,0.59,term_life,500000,monthly,580.44,20.0,none,,,,False,none,employer_group,False,False,False,0.000854,0.000601,SOA_2015_VBT,SOA_Scale_MP2023,0.669,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.022,False,,1.0,False,,,,0.07,0.1026,False,normal_rate,3.25,1.51,False,False,False,False,False,0.767,70.0,55.0,super_preferred_longevity,100.0,baseline,1.051,0.675,False,,False,,500000.0,4186.93,4656.11,4643.52,1102.84,False,0,3.93,27.36
LI-2024-INS004-004946,2012-04-14,8,47,55,1965,female,never_smoker,32.5,59,160,ID,USA,married,bachelors,professional,85551.52,0.7792,accelerated_UW,144,93,209,39,5.36,102,4.8,False,90.2,,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,17,UW-039,1.5,universal_life,1000000,annual,7343.71,,10yr_declining,6032.14,,,True,none,independent_broker,False,False,False,0.00642,0.012192,SOA_2015_VBT,SOA_Scale_MP2023,1.528,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00321,0.015,False,,1.0,False,,,,0.06,0.0291,False,normal_rate,4.23,1.41,False,False,False,False,False,0.801,48.1,40.1,super_preferred_longevity,84.3,baseline,0.916,0.938,False,,False,,993967.86,56982.57,49982.62,58749.68,13953.05,False,0,0.56,1.53
LI-2024-INS004-004947,2018-07-06,6,43,49,1975,female,never_smoker,24.8,64,144,KY,USA,married,graduate,professional,20000.0,0.5554,full_paramedical,114,82,190,56,3.39,95,,False,90.7,,False,False,False,False,False,none,,none,none,depression,2,False,False,True,False,True,substandard_table_1,,1.0,False,False,False,False,49,UW-349,1.25,universal_life,2000000,quarterly,10941.77,,15yr_declining,8192.6,,,True,facultative,worksite,False,False,False,0.003965,0.006657,SOA_2015_VBT,SOA_Scale_MP2023,1.319,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000991,0.018,False,,1.0,False,,,,0.06,0.0339,False,normal_rate,3.87,2.35,False,False,False,False,False,0.889,52.9,51.9,super_preferred_longevity,98.7,baseline,1.083,0.623,True,65.2,False,,1991807.4,94948.05,75256.66,87534.16,20789.36,False,0,2.54,17.05
LI-2024-INS004-004948,2003-10-06,11,53,64,1950,male,never_smoker,30.3,64,176,OR,USA,single,high_school,white_collar,95846.83,0.3272,full_paramedical,148,89,205,52,3.94,75,4.5,False,76.4,2.55,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,8,UW-247,1.5,term_life,250000,annual,2235.76,30.0,none,,,,False,none,direct_to_consumer,False,False,False,0.014353,0.036943,SOA_2015_VBT,SOA_Scale_MP2023,1.653,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.007177,0.012,False,,1.0,False,,,,0.03,0.0604,False,normal_rate,4.84,1.19,False,False,False,False,False,0.978,33.8,22.8,standard_longevity,51.6,baseline,1.255,0.493,False,,False,,250000.0,19173.9,15654.11,17886.08,4247.94,False,0,0.13,1.34
LI-2024-INS004-004949,2017-12-28,9,19,28,1998,male,never_smoker,21.2,71,151,OH,USA,single,bachelors,white_collar,136916.33,0.3554,full_paramedical,123,72,210,55,3.82,95,,False,120.0,,False,False,False,False,False,none,,none,none,schizophrenia,4,False,False,False,False,False,substandard_table_5,,5.0,False,False,False,False,19,UW-057,2.25,term_life,100000,annual,539.52,20.0,none,,,,False,none,captive_agent,False,False,False,0.001334,0.005479,SOA_2015_VBT,SOA_Scale_MP2023,2.317,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001667,0.022,False,,1.0,False,,,,0.05,0.0708,False,normal_rate,3.44,2.32,False,False,False,False,False,0.937,70.0,54.4,super_preferred_longevity,99.4,baseline,1.233,0.389,True,29.6,False,,100000.0,4026.01,4437.61,4316.16,1025.09,False,0,0.36,-16.83
LI-2024-INS004-004950,2003-09-20,8,22,30,1981,female,never_smoker,20.8,59,103,CT,USA,married,high_school,professional,48382.53,0.5062,full_paramedical,124,73,137,71,1.93,96,5.4,False,101.5,,False,True,False,False,False,none,,none,none,none,0,False,False,False,False,False,preferred_plus,,,False,False,False,False,29,UW-266,0.6,term_life,100000,monthly,167.65,30.0,none,,,,False,none,captive_agent,True,False,False,0.001168,0.000751,SOA_2015_VBT,SOA_Scale_MP2023,0.574,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.05,0.0648,False,normal_rate,3.81,1.95,False,False,False,False,False,0.823,70.0,55.0,super_preferred_longevity,100.0,baseline,1.12,0.447,False,,False,,100000.0,1473.83,1240.85,1341.2,318.53,False,0,5.83,24.26
LI-2024-INS004-004951,2023-11-20,3,59,62,1964,male,never_smoker,33.9,71,242,NH,USA,married,some_college,professional,31341.39,0.6055,non_med_guaranteed,134,85,251,46,5.46,82,5.7,False,89.9,0.87,False,False,True,False,False,none,,none,none,none,11,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,23,UW-304,1.25,term_life,1000000,semi_annual,7263.18,10.0,none,,,,True,none,captive_agent,False,False,False,0.014265,0.02423,SOA_2015_VBT,SOA_Scale_MP2023,1.385,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003566,0.015,False,,1.0,False,,,,0.07,0.0851,False,normal_rate,3.17,2.93,False,True,False,False,False,0.77,34.2,31.2,preferred_longevity,78.4,baseline,1.046,0.777,False,,False,,1000000.0,61669.12,52868.27,58105.44,13800.04,False,0,2.33,9.64
LI-2024-INS004-004952,2011-09-03,9,77,86,1934,male,never_smoker,29.4,64,171,KS,USA,single,some_college,heavy_blue_collar,574049.43,0.285,full_paramedical,161,95,194,42,4.62,102,,False,70.8,7.35,False,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_4,0.63,4.0,False,False,False,False,13,UW-045,2.0,universal_life,500000,monthly,7545.57,,15yr_declining,6955.97,,,False,none,direct_to_consumer,False,False,False,0.099327,0.37452,SOA_2015_VBT,SOA_Scale_MP2023,2.154,infectious,True,2016-04-29,False,False,469486.19,0.0007,5e-05,1.095,0.099327,0.005,False,,1.0,False,,,,0.06,0.0556,False,normal_rate,4.12,2.21,False,False,False,False,False,0.991,6.6,1.0,sub_standard_longevity,18.3,baseline,1.286,0.207,False,,False,,493044.03,2782.39,2861.25,3018.23,25805.85,False,0,3.12,-6.68
LI-2024-INS004-004953,2009-01-03,15,59,74,1950,female,unknown,28.0,69,189,CA,USA,single,graduate,white_collar,134984.88,0.8708,full_paramedical,160,92,212,51,4.16,78,,False,70.0,,False,False,False,False,False,none,,none,none,none,3,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,25,UW-457,1.5,annuity_deferred,1000000,monthly,9529.6,,none,10890.67,,,True,none,direct_to_consumer,False,False,False,0.031549,0.062104,SOA_2015_VBT,SOA_Scale_MP2023,1.734,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.015774,0.012,False,,1.0,False,,,,0.01,0.014,False,normal_rate,5.28,1.17,False,False,False,False,False,0.888,33.9,18.9,standard_longevity,53.9,baseline,0.847,0.806,False,,False,,989109.33,75101.87,69885.99,72043.78,18944.84,False,0,3.28,3.6
LI-2024-INS004-004954,2012-09-15,14,18,32,1994,male,never_smoker,23.0,69,155,WV,USA,married,bachelors,white_collar,155717.24,0.6381,full_paramedical,107,64,244,47,5.19,65,5.1,False,80.4,,True,False,True,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-199,1.25,universal_life,2000000,annual,7210.08,,15yr_declining,7905.02,,,True,none,independent_broker,False,False,False,0.001611,0.002824,SOA_2015_VBT,SOA_Scale_MP2023,1.471,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000403,0.022,False,,1.0,False,,,,0.04,0.0214,False,normal_rate,4.19,2.24,False,False,False,False,False,0.818,70.0,53.6,super_preferred_longevity,100.0,baseline,1.021,0.734,True,24.8,False,,1992094.98,63080.8,54459.19,57680.64,13699.15,False,0,5.65,12.09
LI-2024-INS004-004955,2012-06-13,8,40,48,1972,female,never_smoker,23.1,70,161,DE,USA,married,graduate,heavy_blue_collar,145516.1,0.6266,accelerated_UW,125,81,127,60,2.12,82,,False,72.3,,False,False,False,False,False,none,,none,none,anxiety,0,False,True,False,False,False,preferred_plus,0.52,,False,False,False,True,5,UW-008,0.7,universal_life,500000,monthly,1539.76,,15yr_declining,1367.43,,,False,none,captive_agent,False,False,False,0.00367,0.002136,SOA_2015_VBT,SOA_Scale_MP2023,0.565,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.06,0.0324,False,normal_rate,2.71,2.83,False,False,False,False,False,0.985,55.7,46.6,super_preferred_longevity,91.8,baseline,1.03,0.72,True,25.7,False,,498632.57,12387.63,12735.82,12318.08,2925.54,False,0,3.3,28.88
LI-2024-INS004-004956,2007-09-06,19,28,47,1979,female,never_smoker,29.8,60,152,TN,USA,married,less_than_hs,light_blue_collar,43015.86,0.7323,full_paramedical,140,91,249,59,4.22,89,5.6,False,91.7,,False,False,False,False,False,none,,none,none,bipolar,1,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,24,UW-125,2.0,term_life,500000,monthly,3961.8,10.0,none,,,,False,none,captive_agent,False,False,False,0.003401,0.010511,SOA_2015_VBT,SOA_Scale_MP2023,2.199,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003401,0.018,False,,1.0,True,2025-06-21,non_payment,19.0,0.03,0.0334,False,normal_rate,3.15,1.75,False,False,False,False,False,0.859,69.2,50.8,super_preferred_longevity,99.7,baseline,0.951,0.616,True,37.4,False,,500000.0,33769.66,31404.45,31694.4,7527.42,False,0,5.35,-5.21
LI-2024-INS004-004957,2014-02-21,9,80,89,1934,male,never_smoker,31.5,64,183,MA,USA,widowed,graduate,heavy_blue_collar,32345.12,0.7462,full_paramedical,160,94,302,41,7.37,119,5.2,False,,12.72,False,False,True,False,True,other,0.5,none,none,none,1,False,False,False,False,True,substandard_table_6,0.53,6.0,False,False,False,False,31,UW-232,2.5,term_life,100000,annual,1861.89,15.0,none,,,,False,none,bank,False,False,False,0.127816,0.517565,SOA_2015_VBT,SOA_Scale_MP2023,2.711,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.191725,0.005,False,,1.0,False,,,,0.05,0.0552,False,normal_rate,5.61,1.52,False,False,False,False,False,0.934,8.5,1.1,standard_longevity,35.3,baseline,0.94,0.624,True,56.4,False,,100000.0,737.46,747.05,819.23,6352.77,False,0,3.36,-19.84
LI-2024-INS004-004958,2002-05-11,5,65,70,1937,male,never_smoker,25.8,68,169,AL,USA,widowed,some_college,light_blue_collar,20180.89,0.5898,accelerated_UW,133,91,287,54,5.31,112,,False,77.4,1.59,True,False,False,False,False,none,,none,none,depression,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,True,9,UW-137,1.25,term_life,100000,monthly,632.63,10.0,none,,,,False,none,captive_agent,False,False,False,0.025182,0.043557,SOA_2015_VBT,SOA_Scale_MP2023,1.399,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006296,0.005,False,,1.0,False,,,,0.07,0.086,False,normal_rate,1.21,2.82,False,False,False,False,False,0.863,20.3,15.3,standard_longevity,44.3,baseline,1.058,0.54,True,32.7,False,,100000.0,3777.09,3979.81,3871.7,1439.86,False,0,4.24,11.44
LI-2024-INS004-004959,2003-01-27,20,29,49,1974,male,current_smoker,21.9,75,175,WV,USA,divorced,bachelors,white_collar,47921.79,0.5922,simplified_issue,136,91,191,60,3.18,86,,True,98.3,2.91,False,False,False,False,False,none,,none,moderate_gold_2,none,0,False,False,False,False,False,substandard_table_6,,6.0,False,False,False,False,30,UW-202,2.5,term_life,2000000,annual,21980.92,30.0,none,,,,True,none,bank,False,False,False,0.009912,0.042361,SOA_2015_VBT,SOA_Scale_MP2023,2.627,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.014868,0.018,False,,1.0,False,,,,0.03,0.0368,False,normal_rate,2.11,1.71,False,False,False,False,False,0.752,62.9,42.9,super_preferred_longevity,85.7,baseline,1.056,0.487,False,,False,,2000000.0,167277.32,179172.69,175847.36,41763.75,False,0,1.68,-19.96
LI-2024-INS004-004960,2010-08-21,11,51,62,1959,male,never_smoker,27.3,68,179,WY,USA,married,bachelors,white_collar,108666.92,0.2251,simplified_issue,148,84,180,45,4.0,105,,False,89.8,5.11,False,True,True,False,False,none,,none,none,depression,7,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,19,UW-193,1.5,universal_life,250000,quarterly,1825.84,,10yr_declining,1802.79,,,True,quota_share,independent_broker,False,False,False,0.01347,0.034098,SOA_2015_VBT,SOA_Scale_MP2023,1.526,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006735,0.012,False,,1.0,False,,,,0.04,0.1571,True,normal_rate,2.42,1.2,False,False,False,False,False,0.925,39.7,28.7,preferred_longevity,68.9,baseline,1.331,0.276,False,,False,,248197.21,14441.0,14106.74,14606.72,3469.1,False,0,2.18,1.55
LI-2024-INS004-004961,2018-10-10,5,54,59,1964,female,never_smoker,32.5,59,160,UT,USA,married,bachelors,light_blue_collar,141743.28,0.6691,full_paramedical,145,86,213,37,5.76,99,9.6,False,98.8,,True,False,False,False,False,none,,type_2,none,anxiety,3,False,False,False,True,True,substandard_table_8,,8.0,False,False,False,False,26,UW-338,3.0,whole_life,1000000,monthly,15929.24,,none,11631.9,,,True,quota_share,bank,False,False,False,0.008837,0.046854,SOA_2015_VBT,SOA_Scale_MP2023,3.308,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.017674,0.015,False,,1.0,False,,,,0.04,0.0466,False,normal_rate,5.45,1.04,False,False,False,False,False,0.867,40.5,35.5,preferred_longevity,75.8,baseline,0.998,0.531,False,,False,,988368.1,135836.44,112722.86,127433.92,30265.56,False,0,1.46,-20.0
LI-2024-INS004-004962,2013-09-19,9,58,67,1955,male,never_smoker,31.6,62,172,RI,USA,single,bachelors,professional,48172.42,0.7748,full_paramedical,132,82,221,41,5.39,98,,False,63.9,5.75,False,False,False,False,False,none,,none,none,none,0,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,14,UW-393,1.25,term_life,250000,monthly,1542.71,15.0,none,,,,False,none,direct_to_consumer,False,False,False,0.019773,0.031362,SOA_2015_VBT,SOA_Scale_MP2023,1.454,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.004943,0.012,False,,1.0,False,,,,0.05,0.0756,False,normal_rate,3.19,1.44,False,False,False,False,False,0.923,31.3,22.3,standard_longevity,57.6,baseline,0.919,0.917,False,,False,,250000.0,12635.95,11392.19,12341.68,2931.15,False,0,4.56,12.4
LI-2024-INS004-004963,2021-03-13,2,33,35,1988,male,current_smoker,27.6,71,198,NC,USA,married,bachelors,heavy_blue_collar,20000.0,0.6909,full_paramedical,148,97,202,56,3.61,87,4.9,True,117.6,,False,False,False,False,False,none,,none,none,schizophrenia,12,False,True,False,False,False,substandard_table_7,0.87,7.0,False,False,False,False,28,UW-368,2.75,whole_life,250000,annual,2057.89,,none,1261.27,,,True,excess_of_loss,bank,False,False,False,0.003792,0.019823,SOA_2015_VBT,SOA_Scale_MP2023,2.796,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006637,0.02,True,0.00278,1.0,False,,,,0.04,0.0459,False,normal_rate,2.16,2.08,False,False,False,False,False,0.947,61.6,55.0,super_preferred_longevity,100.0,baseline,0.982,0.752,False,,True,0.469,248738.73,16415.45,16614.59,16463.12,3909.99,False,0,-5.0,-20.0
LI-2024-INS004-004964,2024-01-16,1,24,25,2000,male,never_smoker,27.3,73,207,SC,USA,divorced,bachelors,light_blue_collar,48320.08,0.6679,full_paramedical,113,65,193,44,4.39,96,5.3,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,8,False,True,False,False,False,substandard_table_5,,5.0,False,False,False,False,4,UW-210,2.25,universal_life,2000000,quarterly,10673.85,,10yr_declining,6583.88,,,True,facultative,independent_broker,False,False,False,0.001183,0.004273,SOA_2015_VBT,SOA_Scale_MP2023,2.365,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001478,0.012,False,,1.0,False,,,,0.12,0.0629,False,normal_rate,1.84,2.46,False,False,False,False,False,0.758,70.0,55.0,super_preferred_longevity,100.0,baseline,0.999,0.601,False,,False,,1993416.12,80490.29,77203.53,85390.8,20280.31,False,0,2.54,-12.24
LI-2024-INS004-004965,2004-02-26,5,25,30,1979,female,never_smoker,27.3,58,130,KY,USA,married,bachelors,white_collar,128645.76,0.7484,simplified_issue,116,65,203,41,4.95,116,5.7,False,92.2,,False,False,False,False,False,none,,none,none,none,6,False,False,False,False,False,preferred_plus,,,False,False,False,False,20,UW-029,0.62,whole_life,1000000,semi_annual,1674.29,,none,1230.59,,,True,excess_of_loss,direct_to_consumer,True,False,False,0.001168,0.000687,SOA_2015_VBT,SOA_Scale_MP2023,0.627,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.04,0.0617,False,normal_rate,4.05,2.1,False,False,False,False,False,0.961,70.0,55.0,super_preferred_longevity,100.0,baseline,0.939,1.0,False,,False,,998769.41,13275.29,12674.24,13394.32,3181.15,False,0,5.08,23.35
LI-2024-INS004-004966,2019-05-03,4,64,68,1955,female,current_smoker,26.5,71,190,KS,USA,single,bachelors,light_blue_collar,65710.29,0.9353,full_paramedical,137,81,221,57,3.88,79,,True,,,False,False,False,False,True,colorectal,1.6,none,none,none,9,False,False,False,False,True,standard,,,False,True,False,False,32,UW-049,1.0,indexed_ul,500000,quarterly,2538.25,,15yr_declining,1779.26,,,False,none,employer_group,False,False,False,0.034514,0.02971,SOA_2015_VBT,SOA_Scale_MP2023,1.078,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.08,0.0411,False,normal_rate,2.95,1.4,False,False,False,False,False,0.96,30.0,26.0,preferred_longevity,65.5,baseline,0.799,0.982,False,,False,,498220.74,18909.96,19569.01,20306.0,4822.67,False,0,5.5,20.97
LI-2024-INS004-004967,2018-01-08,3,50,53,1968,female,never_smoker,34.8,70,242,IN,USA,married,some_college,professional,20000.0,0.7328,accelerated_UW,149,95,231,42,5.5,89,5.3,False,93.9,,False,True,False,False,False,none,,none,none,depression,6,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,20,UW-133,1.5,universal_life,500000,quarterly,3591.57,,10yr_declining,2442.05,,,False,none,captive_agent,False,False,False,0.005451,0.010972,SOA_2015_VBT,SOA_Scale_MP2023,1.592,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002725,0.015,False,,1.0,False,,,,0.08,0.0401,False,normal_rate,5.14,2.52,False,True,False,False,False,0.86,45.3,42.3,super_preferred_longevity,86.9,baseline,0.95,0.618,False,,False,,497557.95,27968.12,26889.08,28732.56,6823.98,False,0,4.84,13.36
LI-2024-INS004-004968,2003-07-09,9,33,42,1970,female,never_smoker,28.4,58,135,VT,USA,divorced,graduate,light_blue_collar,39337.12,0.8257,limited_exam,111,67,177,34,5.21,125,,False,81.1,,False,False,False,False,False,none,,none,none,none,4,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,27,UW-114,1.25,term_life,250000,monthly,1149.91,30.0,none,,,,False,none,captive_agent,False,False,False,0.002366,0.003212,SOA_2015_VBT,SOA_Scale_MP2023,1.258,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000591,0.018,False,,1.0,False,,,,0.05,0.052,False,normal_rate,1.67,2.2,False,False,False,False,False,0.888,63.2,54.2,super_preferred_longevity,100.0,baseline,0.881,0.85,False,,False,,250000.0,9520.67,8079.59,9199.28,2184.83,False,0,-0.59,9.8
LI-2024-INS004-004969,2011-05-12,6,65,71,1946,male,never_smoker,22.6,76,185,MA,USA,married,bachelors,professional,82798.27,0.6876,simplified_issue,137,89,186,62,3.0,75,5.2,False,,5.01,True,False,True,False,False,none,,none,none,bipolar,4,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,9,UW-496,2.0,universal_life,500000,semi_annual,6648.08,,10yr_declining,5420.95,,,True,excess_of_loss,employer_group,True,False,False,0.027146,0.086089,SOA_2015_VBT,SOA_Scale_MP2023,2.206,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.027146,0.008,False,,1.0,False,,,,0.06,0.0373,False,normal_rate,2.52,0.91,False,False,False,False,False,0.98,25.3,22.1,preferred_longevity,66.0,baseline,0.984,0.767,True,76.0,False,,494579.05,50355.72,53807.77,53184.64,12631.35,False,0,-1.99,-5.27
LI-2024-INS004-004970,2022-04-13,2,73,75,1949,male,current_smoker,22.7,74,176,CO,USA,married,high_school,heavy_blue_collar,56300.19,0.4142,full_paramedical,139,92,231,43,5.37,73,5.2,True,66.3,2.76,False,False,False,False,False,none,,none,mild_gold_1,substance_use_disorder,2,False,False,False,False,False,substandard_table_7,0.86,7.0,False,False,False,False,30,UW-382,2.75,whole_life,500000,quarterly,9361.87,,none,6048.33,,,False,none,employer_group,False,False,False,0.078885,0.403539,SOA_2015_VBT,SOA_Scale_MP2023,2.781,cancer,True,2024-03-16,True,False,193900.13,0.0007,5e-05,1.095,0.138049,0.008,True,0.00457,1.0,False,,,,0.04,0.0657,False,normal_rate,4.61,2.12,False,False,False,False,False,0.757,13.6,11.6,standard_longevity,36.1,baseline,1.189,0.351,False,,False,,493951.67,40903.37,43688.99,43439.08,24078.73,False,0,2.52,-20.0
LI-2024-INS004-004971,2011-12-04,8,45,53,1966,male,former_smoker,23.2,75,186,MS,USA,single,some_college,heavy_blue_collar,54421.57,0.8094,accelerated_UW,101,56,214,44,4.86,77,,False,85.9,3.0,True,False,False,True,False,none,,none,none,depression,7,False,False,False,False,True,substandard_table_6,1.19,6.0,False,False,False,True,30,UW-056,2.5,universal_life,1000000,annual,12659.99,,10yr_declining,10259.78,,,True,coinsurance,captive_agent,True,False,False,0.008857,0.033699,SOA_2015_VBT,SOA_Scale_MP2023,2.581,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.013286,0.015,False,,1.0,False,,,,0.06,0.0284,False,normal_rate,4.18,0.79,False,False,False,False,True,0.823,46.3,38.3,super_preferred_longevity,82.1,baseline,0.893,0.7,False,,False,,989740.22,97531.01,102298.87,101279.92,24053.98,False,0,1.22,-15.69
LI-2024-INS004-004972,2013-05-10,5,71,76,1942,female,never_smoker,36.2,63,204,MS,USA,divorced,less_than_hs,professional,290545.2,0.8051,full_paramedical,155,94,217,64,3.39,118,5.4,False,81.6,,False,False,False,False,True,melanoma,5.8,none,none,depression,14,False,False,False,False,True,substandard_table_2,,2.0,False,False,False,False,49,UW-091,1.5,universal_life,250000,quarterly,2523.96,,10yr_declining,1836.05,,,False,none,captive_agent,False,False,False,0.03255,0.061256,SOA_2015_VBT,SOA_Scale_MP2023,1.542,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.016275,0.008,False,,1.0,False,,,,0.08,0.038,False,normal_rate,5.15,2.45,False,False,False,False,False,0.771,20.2,15.2,standard_longevity,47.4,baseline,0.896,0.867,False,,False,,248163.95,15636.95,15788.05,15345.68,5764.72,False,0,3.98,7.18
LI-2024-INS004-004973,2016-10-24,9,59,68,1957,female,never_smoker,32.0,58,153,NH,USA,widowed,some_college,heavy_blue_collar,24495.89,0.8988,accelerated_UW,156,95,258,47,5.49,76,5.6,False,93.7,,False,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,1.14,2.0,False,False,False,True,7,UW-025,1.5,annuity_deferred,250000,monthly,1924.08,,none,1721.61,,,False,none,captive_agent,False,True,False,0.017679,0.032201,SOA_2015_VBT,SOA_Scale_MP2023,1.6,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.008839,0.012,False,,1.0,False,,,,0.02,0.0196,False,normal_rate,3.49,2.35,False,False,False,False,False,0.836,35.1,26.1,preferred_longevity,65.1,baseline,0.826,0.968,False,,False,,248278.39,16856.81,15193.36,15392.64,3655.75,False,0,4.08,12.48
LI-2024-INS004-004974,2001-11-01,18,57,75,1944,male,former_smoker,27.7,72,204,WV,USA,married,high_school,light_blue_collar,104605.2,0.7039,full_paramedical,121,76,186,46,4.04,106,5.0,False,89.4,5.34,True,False,False,True,False,none,,none,none,schizophrenia,2,False,False,False,False,True,substandard_table_6,,6.0,False,False,False,False,36,UW-209,2.5,term_life,100000,annual,1363.48,20.0,none,,,,False,none,direct_to_consumer,False,False,False,0.049257,0.19378,SOA_2015_VBT,SOA_Scale_MP2023,2.504,respiratory,True,2010-03-03,False,False,923337.67,0.0007,5e-05,1.095,0.073885,0.008,False,,1.0,False,,,,0.03,0.0477,False,normal_rate,3.78,1.68,False,False,False,False,False,0.864,30.1,14.2,standard_longevity,44.4,baseline,0.972,0.698,True,59.4,True,0.749,100000.0,8114.84,6708.75,7744.57,3223.27,False,0,-2.41,-20.0
LI-2024-INS004-004975,2001-12-05,12,42,54,1959,male,former_smoker,36.6,75,293,WY,USA,married,high_school,light_blue_collar,52831.43,0.5272,accelerated_UW,123,78,232,48,4.83,102,6.4,False,90.2,5.57,False,False,False,False,False,none,,pre_diabetes,none,none,5,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,True,40,UW-386,1.25,whole_life,500000,annual,2831.44,,none,2677.24,,,False,none,captive_agent,False,False,False,0.008938,0.015356,SOA_2015_VBT,SOA_Scale_MP2023,1.329,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002235,0.012,False,,1.0,False,,,,0.015,0.0192,False,normal_rate,4.03,2.48,False,False,False,False,False,0.755,46.9,34.9,preferred_longevity,72.8,baseline,1.105,0.322,False,,False,,497322.76,22787.11,19906.88,22651.52,5379.74,False,0,4.84,13.57
LI-2024-INS004-004976,2004-02-15,6,39,45,1965,female,current_smoker,29.3,71,209,NH,USA,married,some_college,hazardous,162820.11,0.8019,full_paramedical,121,75,215,28,7.68,95,,True,92.4,,False,False,True,False,True,breast,14.9,none,none,none,6,False,False,False,False,True,substandard_table_4,2.73,4.0,True,False,False,False,24,UW-185,2.0,whole_life,250000,semi_annual,1988.41,,none,1627.79,,,True,none,worksite,False,False,False,0.00586,0.016822,SOA_2015_VBT,SOA_Scale_MP2023,2.082,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00586,0.015,False,,1.0,False,,,,0.02,0.0212,False,normal_rate,3.66,1.62,False,False,False,False,False,0.991,59.2,53.2,super_preferred_longevity,100.0,baseline,0.899,0.795,False,,False,,248372.21,16322.87,13903.67,15907.28,3777.98,False,0,-1.11,-8.63
LI-2024-INS004-004977,2003-09-13,13,58,71,1945,female,never_smoker,25.1,66,155,CA,USA,married,some_college,white_collar,20000.0,0.7647,full_paramedical,110,62,220,60,3.67,86,5.3,False,72.3,,True,False,False,False,False,none,,none,none,bipolar,11,False,False,False,True,True,substandard_table_4,,4.0,False,False,False,False,48,UW-438,2.0,term_life,250000,annual,2873.13,30.0,none,,,,False,none,independent_broker,True,False,False,0.021543,0.062958,SOA_2015_VBT,SOA_Scale_MP2023,2.075,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021543,0.008,False,,1.0,False,,,,0.03,0.0326,False,normal_rate,3.24,0.52,False,False,False,False,False,0.955,33.4,20.4,standard_longevity,54.6,baseline,0.926,0.761,False,,False,,250000.0,22915.22,23901.34,22985.04,5458.95,False,0,1.68,-8.64
LI-2024-INS004-004978,2018-07-16,1,55,56,1963,female,never_smoker,27.2,68,178,VA,USA,married,high_school,light_blue_collar,196399.21,0.5776,limited_exam,126,77,169,48,3.52,108,,False,84.1,,False,False,False,False,False,none,,none,none,bipolar,5,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-122,2.0,term_life,250000,annual,2571.29,20.0,none,,,,True,quota_share,captive_agent,False,False,False,0.006767,0.022736,SOA_2015_VBT,SOA_Scale_MP2023,2.212,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.006767,0.015,False,,1.0,False,,,,0.1,0.1238,False,normal_rate,3.8,0.94,False,False,False,False,False,0.978,39.0,38.0,preferred_longevity,78.2,baseline,1.067,0.649,False,,False,,250000.0,20498.0,20067.24,20570.32,4885.45,False,0,2.48,-2.58
LI-2024-INS004-004979,2011-12-07,14,23,37,1988,female,current_smoker,25.6,65,154,AR,USA,divorced,less_than_hs,heavy_blue_collar,20000.0,0.7882,full_paramedical,128,76,199,58,3.43,91,5.0,True,81.3,,False,True,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,1.15,2.0,False,False,False,False,20,UW-265,1.5,whole_life,2000000,monthly,9412.06,,none,10168.83,,,True,excess_of_loss,employer_group,False,False,False,0.003415,0.006906,SOA_2015_VBT,SOA_Scale_MP2023,1.675,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001707,0.02,False,,1.0,False,,,,0.015,0.0192,False,normal_rate,5.09,2.37,False,False,False,False,False,0.765,70.0,55.0,super_preferred_longevity,100.0,baseline,0.909,0.774,False,,False,,1989831.17,80625.84,64092.33,75296.48,17882.91,False,0,0.53,11.0
LI-2024-INS004-004980,2016-12-27,2,40,42,1976,male,former_smoker,19.8,71,141,NJ,USA,divorced,high_school,light_blue_collar,79562.14,0.3531,limited_exam,97,54,222,46,4.83,94,,False,,2.95,False,False,False,False,False,none,,none,none,bipolar,19,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,6,UW-063,2.0,term_life,500000,annual,3547.8,15.0,none,,,,False,none,worksite,False,False,False,0.003844,0.013872,SOA_2015_VBT,SOA_Scale_MP2023,2.112,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.003844,0.018,False,,1.0,False,,,,0.07,0.0992,False,normal_rate,5.03,1.52,False,False,False,False,False,0.921,51.3,49.3,super_preferred_longevity,91.7,baseline,1.235,0.238,False,,False,,500000.0,30143.71,25242.13,28382.4,6740.82,False,0,0.2,-6.91
LI-2024-INS004-004981,2017-10-04,7,44,51,1973,male,never_smoker,34.3,68,225,VT,USA,married,high_school,light_blue_collar,88164.18,0.2642,accelerated_UW,124,65,216,29,7.45,101,4.7,False,83.7,1.21,True,False,False,False,False,none,,none,none,none,1,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,True,10,UW-176,1.5,term_life,500000,annual,2985.8,20.0,none,,,,True,none,independent_broker,False,False,False,0.005801,0.016041,SOA_2015_VBT,SOA_Scale_MP2023,1.74,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0029,0.018,False,,1.0,False,,,,0.05,0.0744,False,normal_rate,2.67,1.71,False,False,False,False,False,0.925,46.4,39.4,preferred_longevity,75.6,baseline,1.302,0.262,False,,False,,500000.0,22509.18,23691.15,23886.4,5673.02,False,0,5.95,8.77
LI-2024-INS004-004982,2009-05-25,13,21,34,1988,male,never_smoker,17.5,67,112,HI,USA,married,bachelors,light_blue_collar,34343.93,0.6358,full_paramedical,107,55,218,71,3.07,78,5.3,True,89.7,,False,False,False,False,False,none,,none,none,anxiety,9,False,False,False,True,True,preferred_plus,,,False,False,False,False,28,UW-337,0.68,term_life,250000,monthly,468.39,15.0,none,,,,False,none,bank,False,False,False,0.003585,0.002549,SOA_2015_VBT,SOA_Scale_MP2023,0.695,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.03,0.0357,False,normal_rate,5.48,2.17,False,False,False,False,False,0.98,70.0,55.0,super_preferred_longevity,100.0,baseline,1.023,0.645,False,,False,,250000.0,3723.1,3535.77,3747.12,889.94,False,0,2.77,29.59
LI-2024-INS004-004983,2020-11-22,5,19,24,2001,male,never_smoker,23.9,69,161,NH,USA,single,high_school,light_blue_collar,79005.76,0.7848,full_paramedical,107,73,146,45,3.24,85,5.2,False,96.9,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,preferred_plus,,,False,False,False,False,3,UW-433,0.67,universal_life,1000000,monthly,1230.61,,15yr_declining,916.49,,,True,quota_share,direct_to_consumer,False,False,False,0.001141,0.004651,SOA_2015_VBT,SOA_Scale_MP2023,0.635,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,True,0.00399,1.0,False,,,,0.08,0.054,False,normal_rate,2.42,2.84,False,False,False,False,False,0.9,70.0,59.2,super_preferred_longevity,100.0,baseline,0.911,0.907,True,56.8,False,,999083.51,10111.72,9787.13,9844.88,2338.16,False,0,6.06,33.74
LI-2024-INS004-004984,2020-05-20,4,75,79,1945,female,never_smoker,29.0,62,158,SC,USA,married,bachelors,white_collar,261924.43,0.3201,full_paramedical,138,81,232,53,4.38,110,5.1,False,54.5,,True,False,False,False,False,none,,none,none,none,3,False,False,False,True,True,substandard_table_1,,1.0,False,False,False,False,43,UW-161,1.25,whole_life,100000,quarterly,887.75,,none,618.98,,,False,none,direct_to_consumer,False,False,False,0.043299,0.094344,SOA_2015_VBT,SOA_Scale_MP2023,1.436,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.010825,0.008,True,0.00518,1.0,False,,,,0.04,0.0809,False,normal_rate,5.02,2.11,False,False,False,False,False,0.77,14.7,10.7,sub_standard_longevity,33.4,baseline,1.26,0.503,False,,False,,99381.02,3765.6,3575.06,3799.57,2347.21,False,0,5.59,9.51
LI-2024-INS004-004985,2021-06-17,6,48,54,1973,female,never_smoker,32.1,60,164,ME,USA,married,high_school,white_collar,248062.46,0.8071,full_paramedical,135,78,271,47,5.77,91,7.3,False,64.4,,True,True,False,False,False,none,,type_2,none,anxiety,0,False,False,False,True,True,substandard_table_2,,2.0,False,False,False,False,37,UW-130,1.5,term_life,500000,annual,3642.38,20.0,none,,,,False,none,bank,False,False,False,0.005914,0.016014,SOA_2015_VBT,SOA_Scale_MP2023,1.707,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.002957,0.018,True,0.00403,1.0,False,,,,0.05,0.0527,False,normal_rate,4.32,1.36,False,False,False,False,False,0.904,48.6,42.6,super_preferred_longevity,88.5,baseline,0.895,0.723,False,,False,,500000.0,31690.28,28194.65,29139.04,6920.52,False,0,1.54,6.55
LI-2024-INS004-004986,2006-06-10,1,26,27,1980,male,never_smoker,24.2,64,141,DE,USA,married,bachelors,white_collar,44518.14,0.672,non_med_guaranteed,113,64,167,53,3.15,70,,False,117.3,,False,False,False,False,False,none,,none,none,anxiety,0,False,False,True,False,True,preferred_plus,,,False,False,False,False,55,UW-226,0.58,universal_life,1000000,annual,1136.96,,10yr_declining,683.55,,,True,excess_of_loss,independent_broker,False,False,False,0.001279,0.000811,SOA_2015_VBT,SOA_Scale_MP2023,0.637,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.02,False,,1.0,False,,,,0.12,0.0628,False,normal_rate,4.11,2.27,False,False,False,False,False,0.996,67.3,52.7,super_preferred_longevity,100.0,baseline,0.996,0.595,False,,True,-1.544,999316.45,8578.27,9327.7,9095.68,2160.22,False,0,6.43,28.12
LI-2024-INS004-004987,2004-11-10,5,30,35,1974,female,never_smoker,31.8,61,168,WA,USA,single,some_college,light_blue_collar,20000.0,0.8015,limited_exam,131,76,204,38,5.37,97,,False,78.3,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,26,UW-425,1.25,whole_life,500000,annual,1891.33,,none,1393.11,,,False,none,independent_broker,False,False,False,0.001517,0.002209,SOA_2015_VBT,SOA_Scale_MP2023,1.342,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000379,0.018,False,,1.0,False,,,,0.04,0.0424,False,normal_rate,2.94,1.23,False,False,False,False,False,0.89,66.7,55.0,super_preferred_longevity,100.0,baseline,0.899,0.729,False,,False,,498606.89,16596.93,15334.54,15130.64,3593.53,False,0,0.68,12.03
LI-2024-INS004-004988,2015-09-20,4,18,22,1997,female,never_smoker,29.5,59,146,CO,USA,single,bachelors,white_collar,46690.5,0.2295,full_paramedical,156,100,180,49,3.67,97,6.4,False,,,False,True,False,False,False,none,,none,none,depression,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,30,UW-338,1.5,term_life,1000000,annual,2884.33,15.0,none,,,,True,excess_of_loss,captive_agent,False,False,False,0.000854,0.002264,SOA_2015_VBT,SOA_Scale_MP2023,1.62,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000427,0.022,False,,1.0,True,2025-06-01,voluntary_surrender,4.0,0.07,0.1486,False,normal_rate,4.14,2.73,False,False,False,False,False,0.855,70.0,55.0,super_preferred_longevity,98.4,baseline,1.328,0.305,False,,False,,1000000.0,25129.06,20067.48,23074.64,5480.23,False,0,0.66,-0.47
LI-2024-INS004-004989,2023-10-08,4,19,23,2004,female,former_smoker,20.7,69,139,AR,USA,married,less_than_hs,professional,24826.69,0.4684,full_paramedical,102,60,165,56,2.95,89,,False,,,True,False,False,False,False,none,,none,none,bipolar,1,False,False,False,False,False,substandard_table_4,,4.0,False,False,False,False,14,UW-016,2.0,whole_life,1000000,monthly,4147.28,,none,3084.02,,,True,excess_of_loss,employer_group,False,False,False,0.001147,0.003958,SOA_2015_VBT,SOA_Scale_MP2023,2.134,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001147,0.012,False,,1.0,False,,,,0.04,0.0636,False,normal_rate,1.4,1.97,False,False,False,False,False,0.755,70.0,55.0,super_preferred_longevity,100.0,baseline,1.149,0.505,False,,False,,996915.98,36492.31,34110.96,33178.24,7879.83,False,0,0.15,-11.97
LI-2024-INS004-004990,2002-09-14,8,45,53,1957,male,former_smoker,23.6,66,146,MT,USA,single,high_school,light_blue_collar,92328.36,0.716,simplified_issue,90,53,199,43,4.63,63,5.3,False,,1.75,False,False,False,False,False,none,,none,none,anxiety,1,False,False,False,False,False,preferred,,,False,False,False,False,4,UW-114,0.82,group_life,250000,annual,1006.38,,none,,,,False,none,captive_agent,False,False,False,0.008042,0.00642,SOA_2015_VBT,SOA_Scale_MP2023,0.829,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.012,False,,1.0,False,,,,0.12,0.1353,False,normal_rate,3.31,2.61,False,False,False,False,False,0.869,44.4,36.4,preferred_longevity,77.8,baseline,0.963,0.591,False,,False,,250000.0,7487.27,7473.33,8051.04,1912.12,False,0,5.85,35.14
LI-2024-INS004-004991,2010-04-12,5,19,24,1991,female,current_smoker,28.9,71,207,HI,USA,widowed,graduate,professional,20000.0,0.5356,full_paramedical,120,71,171,70,2.44,94,,True,107.7,,False,False,False,False,False,none,,none,none,none,2,False,False,False,False,False,substandard_table_2,,2.0,False,False,False,False,28,UW-364,1.5,whole_life,500000,monthly,1351.46,,none,949.29,,,False,none,independent_broker,False,False,False,0.001825,0.00399,SOA_2015_VBT,SOA_Scale_MP2023,1.535,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000913,0.022,False,,1.0,False,,,,0.04,0.0509,False,normal_rate,4.64,2.19,False,False,False,False,False,0.954,70.0,55.0,super_preferred_longevity,100.0,baseline,1.098,0.586,False,,False,,499050.71,11613.9,9474.63,10811.68,2567.77,False,0,-0.25,1.99
LI-2024-INS004-004992,2007-11-06,12,67,79,1940,male,never_smoker,15.0,64,90,AZ,USA,married,high_school,white_collar,25672.68,0.8141,full_paramedical,119,75,211,71,2.97,89,5.1,False,67.4,11.06,False,False,False,False,False,none,,none,none,substance_use_disorder,4,False,False,False,False,False,declined,,,False,True,True,False,20,UW-058,7.0,universal_life,100000,monthly,5251.24,,10yr_declining,5226.14,,,False,none,bank,False,False,False,0.051994,0.646772,SOA_2015_VBT,SOA_Scale_MP2023,7.24,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.311962,0.008,False,,1.0,False,,,,0.04,0.0419,False,normal_rate,3.75,2.12,False,False,False,False,False,0.967,19.9,7.9,standard_longevity,36.6,baseline,0.889,0.985,False,,False,,94773.86,18229.04,15148.19,16593.92,15060.56,False,0,-5.0,-20.0
LI-2024-INS004-004993,2005-06-17,6,59,65,1946,male,never_smoker,36.3,70,252,MI,USA,married,bachelors,light_blue_collar,24926.73,0.562,full_paramedical,126,77,218,49,4.45,93,5.2,False,,3.01,False,True,False,False,False,none,,none,none,none,6,False,True,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-019,1.25,universal_life,100000,annual,752.51,,10yr_declining,579.52,,,True,none,independent_broker,True,False,False,0.016101,0.026288,SOA_2015_VBT,SOA_Scale_MP2023,1.282,cardiovascular,True,2008-03-16,False,False,1695325.67,0.0007,5e-05,1.095,0.004025,0.008,False,,1.0,False,,,,0.06,0.0338,False,normal_rate,3.66,1.23,False,False,False,False,False,0.778,27.8,21.8,standard_longevity,53.6,baseline,1.079,0.466,False,,False,,99420.48,6507.29,5155.97,6020.08,1429.77,False,0,2.52,0.98
LI-2024-INS004-004994,2010-07-15,1,45,46,1965,male,former_smoker,28.5,73,216,LA,USA,married,some_college,professional,282356.07,0.1269,simplified_issue,143,78,159,41,3.88,116,,False,87.7,1.68,False,False,True,False,False,none,,none,none,none,8,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,5,UW-149,1.25,whole_life,1000000,annual,4919.04,,none,2993.33,,,True,excess_of_loss,employer_group,False,True,False,0.005126,0.010319,SOA_2015_VBT,SOA_Scale_MP2023,1.255,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.001282,0.015,False,,1.0,True,2025-08-04,voluntary_surrender,1.0,0.06,0.1611,False,normal_rate,2.2,2.23,False,False,False,True,False,0.849,46.5,45.5,super_preferred_longevity,92.7,baseline,1.405,0.207,False,,False,,997006.67,42483.57,40549.82,39352.32,9346.18,False,0,1.92,10.96
LI-2024-INS004-004995,2006-12-03,3,50,53,1956,male,never_smoker,33.9,63,191,WY,USA,single,high_school,heavy_blue_collar,23431.03,0.3221,full_paramedical,136,82,235,56,4.2,105,4.3,False,90.2,1.24,False,False,False,False,False,none,,none,none,schizophrenia,7,False,False,True,True,True,substandard_table_5,1.13,5.0,False,False,False,False,30,UW-154,2.25,universal_life,250000,monthly,2401.73,,15yr_declining,1590.23,,,False,none,captive_agent,False,False,False,0.006112,0.026329,SOA_2015_VBT,SOA_Scale_MP2023,2.43,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.00764,0.012,False,,1.0,False,,,,0.08,0.2445,False,normal_rate,3.65,2.24,True,False,False,True,False,0.815,37.6,37.1,preferred_longevity,73.0,baseline,1.258,0.24,True,56.1,False,,248409.77,20581.89,19577.96,19213.84,4563.29,False,0,0.2,-10.0
LI-2024-INS004-004996,2017-07-02,10,75,85,1942,female,former_smoker,18.8,69,127,KY,USA,married,high_school,white_collar,39462.4,0.8913,full_paramedical,140,83,185,60,3.08,74,,False,,,True,False,False,False,False,none,,none,none,none,0,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,9,UW-481,1.25,indexed_ul,500000,annual,5076.69,,15yr_declining,4572.47,,,False,none,employer_group,True,False,False,0.092138,0.131751,SOA_2015_VBT,SOA_Scale_MP2023,1.419,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.023034,0.008,False,,1.0,False,,,,0.06,0.032,False,normal_rate,2.56,2.37,False,False,False,False,False,0.861,16.5,6.5,standard_longevity,35.6,baseline,0.832,0.9,False,,False,,495427.53,12975.88,13572.66,13199.39,15128.54,False,0,3.14,21.28
LI-2024-INS004-004997,2004-11-15,7,44,51,1960,female,never_smoker,34.8,69,235,NY,USA,single,bachelors,professional,114334.07,0.4413,full_paramedical,134,87,195,44,4.43,99,5.3,False,,,False,False,False,False,False,none,,none,none,substance_use_disorder,1,False,False,True,False,True,standard,,,False,True,False,False,38,UW-444,1.0,whole_life,2000000,quarterly,8434.27,,none,6825.18,4252.09,0.623,True,quota_share,independent_broker,True,True,False,0.004303,0.005403,SOA_2015_VBT,SOA_Scale_MP2023,1.074,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.015,False,,1.0,False,,,,0.02,0.0162,False,normal_rate,3.14,0.9,False,False,False,False,False,0.841,49.0,44.9,super_preferred_longevity,86.5,baseline,1.169,0.462,True,55.0,False,,1993174.82,61910.82,57802.31,67474.16,16025.11,False,0,5.34,19.79
LI-2024-INS004-004998,2013-03-17,3,66,69,1947,female,unknown,26.6,58,127,WY,USA,married,bachelors,white_collar,49457.04,0.6709,full_paramedical,139,87,257,45,5.71,108,4.9,False,63.2,,True,False,False,False,False,none,,none,none,bipolar,3,False,True,False,False,False,substandard_table_4,,4.0,False,False,False,False,24,UW-223,2.0,term_life,250000,monthly,2748.64,10.0,none,,,,True,quota_share,direct_to_consumer,False,False,False,0.021142,0.06814,SOA_2015_VBT,SOA_Scale_MP2023,2.23,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.021142,0.008,False,,1.0,False,,,,0.07,0.114,False,normal_rate,1.44,1.24,False,False,False,False,False,0.774,25.4,22.4,standard_longevity,56.2,baseline,0.997,0.755,False,,False,,250000.0,21827.63,18988.29,21989.12,5222.42,False,0,0.25,4.94
LI-2024-INS004-004999,2018-10-20,8,40,48,1978,female,former_smoker,27.1,66,167,VT,USA,single,some_college,heavy_blue_collar,56123.47,0.7965,full_paramedical,119,73,237,50,4.74,70,,False,,,False,False,False,False,False,none,,none,none,anxiety,4,False,True,False,False,False,preferred,1.23,,False,False,False,False,8,UW-410,0.78,annuity_deferred,1000000,quarterly,2925.95,,none,2566.29,,,True,excess_of_loss,captive_agent,False,False,False,0.004771,0.00329,SOA_2015_VBT,SOA_Scale_MP2023,0.764,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.0,0.018,False,,1.0,False,,,,0.02,0.0213,False,normal_rate,4.41,2.59,False,False,False,False,False,0.802,57.3,49.3,super_preferred_longevity,98.4,baseline,0.903,0.762,False,,False,,997433.71,25723.99,20370.98,23407.6,5559.3,False,0,5.11,25.03
LI-2024-INS004-005000,2007-07-12,10,29,39,1978,male,never_smoker,27.3,69,184,WV,USA,single,some_college,professional,329218.91,0.3508,full_paramedical,123,75,211,64,3.3,96,5.0,False,75.0,,False,False,False,False,False,none,,none,none,depression,1,False,False,False,False,False,substandard_table_1,,1.0,False,False,False,False,29,UW-210,1.25,whole_life,500000,monthly,2313.3,,none,2166.34,,,False,none,captive_agent,False,False,False,0.002419,0.004995,SOA_2015_VBT,SOA_Scale_MP2023,1.467,not_yet_deceased,False,,False,False,,0.0007,5e-05,1.095,0.000605,0.018,False,,1.0,False,,,,0.02,0.0284,False,normal_rate,3.08,2.07,False,True,False,False,False,0.756,62.5,52.5,super_preferred_longevity,96.5,baseline,1.237,0.655,False,,False,,497833.66,18099.78,17347.4,18506.4,4395.27,False,0,3.53,11.29