The following downloadable files provide historical and projected cohort life tables by single year of age, sex, and calendar year. A cohort life table represents the mortality experience in a series of years, based on an individual’s year of birth and the year in which the individual will reach each succeeding age. Actuarial Study Number 120 provides additional information about this and other mortality concepts. Section IV, which begins on page 3 of that study, contains definitions of life table functions, and also contains a brief discussion of life tables in general. Additionally, definitions specifically related to the columns used in these life tables, can be found here. The interest rate used for calculating the annuity-related values shown in the life tables is the same as the ultimate real interest rate used for the intermediate assumptions.