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08
CIRCULAR Modificatoria 9/23
Consultar publicación en el DOFModificación a la Disposición Octogésima Cuarta Transitoria
ConsultarANEXO 5.4.6.
PROBABILIDAD PROMEDIO DE PERSISTENCIA PARA EL CÁLCULO DEL MARGEN DE RIESGO DE LOS SEGUROS DE VIDA DE LARGO PLAZO, MEDIANTE EL EMPLEO DEL MÉTODO ESTATUTARIO
Las probabilidades promedio de persistencia que se deberán aplicar para efectos del cálculo del margen de riesgo de los seguros de vida de largo plazo, determinadas con base en las tasas de caducidad y mortalidad del mercado, correspondientes a cada uno de los planes tipo i, por moneda, 
son las siguientes:
- Seguros temporales entre 2 y 10 años.
|
Factores |
|||
|
Año |
Nacional |
Extranjera |
Indizada |
|
1 |
100.00% |
100.00% |
100.00% |
|
2 |
70.54% |
80.30% |
79.13% |
|
3 |
55.19% |
68.12% |
65.42% |
|
4 |
44.71% |
58.90% |
54.57% |
|
5 |
36.90% |
51.59% |
45.69% |
|
6 |
30.83% |
45.27% |
38.05% |
|
7 |
23.52% |
39.04% |
30.42% |
|
8 |
17.59% |
32.87% |
20.76% |
|
9 |
13.01% |
27.94% |
13.97% |
|
10 |
10.03% |
23.80% |
8.82% |
II. Seguros temporales mayores a 10 años
|
Factores |
|||
|
Año |
Nacional |
Extranjera |
Indizada |
|
1 |
100.00% |
100.00% |
100.00% |
|
2 |
80.84% |
90.28% |
85.77% |
|
3 |
67.64% |
82.40% |
75.56% |
|
4 |
57.16% |
75.48% |
67.18% |
|
5 |
48.60% |
68.83% |
60.02% |
|
6 |
41.31% |
61.73% |
53.58% |
|
7 |
34.98% |
54.40% |
47.48% |
|
8 |
29.59% |
46.81% |
41.95% |
|
9 |
25.01% |
39.13% |
36.66% |
|
10 |
21.18% |
31.52% |
31.20% |
|
11 |
16.65% |
24.76% |
26.20% |
|
12 |
13.31% |
19.25% |
21.05% |
|
13 |
10.26% |
14.78% |
16.60% |
|
14 |
7.86% |
11.27% |
12.94% |
|
15 |
5.80% |
8.57% |
9.75% |
|
16 |
4.20% |
6.42% |
7.48% |
|
17 |
2.99% |
4.81% |
5.54% |
|
18 |
2.19% |
3.71% |
3.95% |
|
19 |
1.68% |
2.92% |
3.02% |
|
20 |
1.47% |
2.38% |
2.65% |
III. Seguros dotales entre 2 y 10 años
|
Factores |
|||
|
Año |
Nacional |
Extranjera |
Indizada |
|
1 |
100.00% |
100.00% |
100.00% |
|
2 |
73.40% |
83.92% |
83.75% |
|
3 |
57.64% |
72.13% |
70.74% |
|
4 |
46.50% |
62.82% |
59.73% |
|
5 |
38.00% |
55.24% |
49.60% |
|
6 |
31.25% |
48.62% |
40.45% |
|
7 |
25.49% |
42.88% |
29.97% |
|
8 |
20.20% |
38.17% |
20.46% |
|
9 |
13.47% |
33.72% |
11.09% |
|
10 |
8.53% |
30.95% |
6.92% |
IV.Seguros dotales mayores a 10 años
|
Factores |
|||
|
Año |
Nacional |
Extranjera |
Indizada |
|
1 |
100.00% |
100.00% |
100.00% |
|
2 |
82.99% |
92.85% |
88.89% |
|
3 |
68.12% |
86.50% |
80.13% |
|
4 |
52.59% |
80.73% |
72.66% |
|
5 |
35.39% |
74.87% |
66.08% |
|
6 |
25.48% |
68.60% |
60.18% |
|
7 |
21.24% |
61.82% |
54.76% |
|
8 |
17.87% |
54.33% |
49.74% |
|
9 |
14.59% |
46.47% |
44.95% |
|
10 |
11.83% |
38.75% |
40.09% |
|
11 |
9.93% |
31.43% |
34.75% |
|
12 |
8.34% |
25.06% |
29.33% |
|
13 |
7.07% |
19.51% |
24.36% |
|
14 |
5.93% |
14.86% |
20.22% |
|
15 |
4.90% |
10.89% |
16.36% |
|
16 |
3.88% |
7.69% |
13.06% |
|
17 |
3.04% |
5.28% |
9.88% |
|
18 |
2.47% |
3.61% |
7.04% |
|
19 |
2.16% |
2.39% |
4.93% |
|
20 |
1.97% |
1.91% |
3.86% |
- Seguros vitalicios
|
Factores |
|||
|
Año |
Nacional |
Extranjera |
Indizada |
|
1 |
100.00% |
100.00% |
100.00% |
|
2 |
88.41% |
75.68% |
75.67% |
|
3 |
79.52% |
64.50% |
64.49% |
|
4 |
70.87% |
57.37% |
57.35% |
|
5 |
62.65% |
52.21% |
52.18% |
|
6 |
54.10% |
48.19% |
48.16% |
|
7 |
48.30% |
44.93% |
44.90% |
|
8 |
43.81% |
42.20% |
42.16% |
|
9 |
39.95% |
39.83% |
39.82% |
|
10 |
36.49% |
37.73% |
37.78% |
|
11 |
33.50% |
35.79% |
35.98% |
|
12 |
30.88% |
33.83% |
34.37% |
|
13 |
28.38% |
31.96% |
32.92% |
|
14 |
26.08% |
30.20% |
31.60% |
|
15 |
23.90% |
28.15% |
30.39% |
|
16 |
21.83% |
26.17% |
28.86% |
|
17 |
19.91% |
24.27% |
24.93% |
|
18 |
18.06% |
22.51% |
22.19% |
|
19 |
16.28% |
20.83% |
19.05% |
|
20 |
14.74% |
19.48% |
15.20% |
|
21 |
13.26% |
18.28% |
12.83% |
|
22 |
10.95% |
16.76% |
11.36% |
|
23 |
9.58% |
15.04% |
9.70% |
|
24 |
8.21% |
13.53% |
7.83% |
|
25 |
7.22% |
12.15% |
6.15% |
|
26 |
6.34% |
10.71% |
5.55% |
|
27 |
5.42% |
9.24% |
4.82% |
|
28 |
4.21% |
7.48% |
3.99% |
|
29 |
3.46% |
5.46% |
2.95% |
|
30 o más |
3.21% |
3.09% |
1.20% |
Seguros de rentas contingentes
|
Factores |
|||
|
Año |
Nacional |
Extranjera |
Indizada |
|
1 |
100.00% |
100.00% |
100.00% |
|
2 |
99.39% |
99.39% |
99.13% |
|
3 |
98.72% |
98.72% |
98.12% |
|
4 |
97.98% |
97.98% |
96.95% |
|
5 |
97.12% |
97.12% |
95.56% |
|
6 |
96.14% |
96.14% |
93.92% |
|
7 |
94.99% |
94.99% |
91.96% |
|
8 |
93.63% |
93.63% |
89.62% |
|
9 |
92.02% |
92.02% |
86.83% |
|
10 |
90.09% |
90.09% |
83.53% |
|
11 |
87.80% |
87.80% |
79.64% |
|
12 |
85.07% |
85.07% |
75.10% |
|
13 |
81.83% |
81.83% |
69.88% |
|
14 |
78.02% |
78.02% |
63.97% |
|
15 |
73.58% |
73.58% |
57.40% |
|
16 |
68.47% |
68.47% |
50.28% |
|
17 |
62.67% |
62.67% |
42.76% |
|
18 |
56.24% |
56.24% |
35.11% |
|
19 |
49.26% |
49.26% |
27.61% |
|
20 |
41.90% |
41.90% |
20.63% |
|
21 |
34.39% |
34.39% |
14.50% |
|
22 |
27.06% |
27.06% |
9.46% |
|
23 |
20.22% |
20.22% |
5.65% |
|
24 |
14.20% |
14.20% |
3.04% |
|
25 |
9.27% |
9.27% |
1.44% |
|
26 |
5.54% |
5.54% |
0.59% |
|
27 |
2.98% |
2.98% |
0.20% |
|
28 |
1.41% |
1.41% |
0.06% |
|
29 |
0.58% |
0.58% |
|
|
30 |
0.20% |
0.20% |
|
|
31 o más |
0.05% |
0.05% |
|