diff --git a/inst/extdata/USA_Annuities_1971IAM.csv b/inst/extdata/USA_Annuities_1971IAM.csv
new file mode 100644
index 0000000000000000000000000000000000000000..66506c15400723fc8222a7402c617c490877d39e
--- /dev/null
+++ b/inst/extdata/USA_Annuities_1971IAM.csv
@@ -0,0 +1,115 @@
+USA 1971 IAM,,,
+,,,
+,1971 IAM,,Projection Scale B
+Age,Males,Females,
+5,0.000456,0.000234,0
+6,0.000424,0.000193,0
+7,0.000403,0.000162,0
+8,0.000392,0.000143,0
+9,0.000389,0.000134,0
+10,0.00039,0.000132,0.0125
+11,0.000397,0.000143,0.0125
+12,0.000405,0.000155,0.0125
+13,0.000413,0.000167,0.0125
+14,0.000422,0.00018,0.0125
+15,0.000433,0.000193,0.0125
+16,0.000444,0.000205,0.0125
+17,0.000457,0.000218,0.0125
+18,0.000471,0.000231,0.0125
+19,0.000486,0.000245,0.0125
+20,0.000503,0.00026,0.0125
+21,0.000522,0.000275,0.0125
+22,0.000544,0.000292,0.0125
+23,0.000566,0.000309,0.0125
+24,0.000591,0.000327,0.0125
+25,0.000619,0.000347,0.0125
+26,0.00065,0.000368,0.0125
+27,0.000684,0.00039,0.0125
+28,0.000722,0.000414,0.0125
+29,0.000763,0.00044,0.0125
+30,0.000809,0.000469,0.0125
+31,0.00086,0.000499,0.0125
+32,0.000916,0.000533,0.0125
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+38,0.001397,0.000807,0.0125
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+42,0.002,0.001094,0.0125
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+45,0.002922,0.001397,0.0125
+46,0.003318,0.001519,0.0125
+47,0.003754,0.001654,0.0125
+48,0.004228,0.001802,0.0125
+49,0.00474,0.001967,0.0125
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+52,0.006461,0.002641,0.0125
+53,0.007088,0.002966,0.0125
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+55,0.008417,0.003791,0.0125
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+71,0.028341,0.015651,0.0107
+72,0.030933,0.017548,0.0104
+73,0.033801,0.019742,0.0101
+74,0.036976,0.022256,0.0098
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+82,0.077668,0.059409,0.0065
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+85,0.101689,0.08577,0.005
+86,0.111652,0.096898,0.0045
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+88,0.136123,0.122978,0.0035
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+115,1,1,0
diff --git a/inst/extdata/USA_Annuities_1983a_GAM.csv b/inst/extdata/USA_Annuities_1983a_GAM.csv
new file mode 100644
index 0000000000000000000000000000000000000000..eb7c1dc33879db50a313062b6e21d9c5ccaa39b0
--- /dev/null
+++ b/inst/extdata/USA_Annuities_1983a_GAM.csv
@@ -0,0 +1,115 @@
+USA 1983 Table a / GAM,,,,
+,,,,
+,1983 Table a (indiv.),,1983 GAM (Group Annuity Mortality),
+Age,Males,Females,Males,Females
+5,0.000377,0.000194,0.000342,0.000171
+6,0.00035,0.00016,0.000318,0.00014
+7,0.000333,0.000134,0.000302,0.000118
+8,0.000352,0.000134,0.000294,0.000104
+9,0.000368,0.000136,0.000292,0.000097
+10,0.000382,0.000141,0.000293,0.000096
+11,0.000394,0.000147,0.000298,0.000104
+12,0.000405,0.000155,0.000304,0.000113
+13,0.000415,0.000165,0.00031,0.000122
+14,0.000425,0.000175,0.000317,0.000131
+15,0.000435,0.000188,0.000325,0.00014
+16,0.000446,0.000201,0.000333,0.000149
+17,0.000458,0.000214,0.000343,0.000159
+18,0.000472,0.000229,0.000353,0.000168
+19,0.000488,0.000244,0.000365,0.000179
+20,0.000505,0.00026,0.000377,0.000189
+21,0.000525,0.000276,0.000392,0.000201
+22,0.000546,0.000293,0.000408,0.000212
+23,0.00057,0.000311,0.000424,0.000225
+24,0.000596,0.00033,0.000444,0.000239
+25,0.000622,0.000349,0.000464,0.000253
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+27,0.000677,0.000387,0.000513,0.000284
+28,0.000704,0.000405,0.000542,0.000302
+29,0.000731,0.000423,0.000572,0.00032
+30,0.000759,0.000441,0.000607,0.000342
+31,0.000786,0.00046,0.000645,0.000364
+32,0.000814,0.000479,0.000687,0.000388
+33,0.000843,0.000499,0.000734,0.000414
+34,0.000876,0.000521,0.000785,0.000443
+35,0.000917,0.000545,0.00086,0.000476
+36,0.000968,0.000574,0.000907,0.000502
+37,0.001032,0.000607,0.000966,0.000536
+38,0.001114,0.000646,0.001039,0.000573
+39,0.001206,0.000691,0.001128,0.000617
+40,0.001341,0.000742,0.001238,0.000665
+41,0.001492,0.000801,0.00137,0.000716
+42,0.001673,0.000867,0.001527,0.000775
+43,0.001886,0.000942,0.001715,0.000842
+44,0.002129,0.001026,0.001932,0.000919
+45,0.002399,0.001122,0.002183,0.00101
+46,0.002693,0.001231,0.002471,0.001117
+47,0.003009,0.001356,0.00279,0.001237
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+53,0.005198,0.002426,0.0052,0.00212
+54,0.005591,0.00265,0.00566,0.002315
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+63,0.01063,0.00599,0.012391,0.005769
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+76,0.038631,0.022654,0.049388,0.027185
+77,0.042587,0.025509,0.054758,0.030672
+78,0.046951,0.028717,0.060678,0.034459
+79,0.051755,0.032328,0.067125,0.038549
+80,0.057026,0.036395,0.07407,0.042945
+81,0.062791,0.040975,0.081484,0.047655
+82,0.069081,0.046121,0.08932,0.052691
+83,0.075908,0.051889,0.097525,0.058071
+84,0.08323,0.058336,0.106047,0.063807
+85,0.090987,0.065518,0.114836,0.069918
+86,0.099122,0.073493,0.12417,0.07657
+87,0.107577,0.082318,0.13387,0.08387
+88,0.116316,0.092017,0.144073,0.091935
+89,0.125394,0.102491,0.154859,0.101354
+90,0.134887,0.113605,0.166307,0.11175
+91,0.144873,0.125227,0.178214,0.123076
+92,0.155429,0.137222,0.19046,0.13563
+93,0.166629,0.146462,0.203007,0.149577
+94,0.178537,0.161834,0.217904,0.165103
+95,0.191214,0.174228,0.234086,0.182419
+96,0.204721,0.186535,0.248436,0.201757
+97,0.21912,0.198646,0.263954,0.222044
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+99,0.251889,0.224445,0.299154,0.268185
+100,0.270906,0.239215,0.319185,0.295187
+101,0.292111,0.255953,0.341086,0.325225
+102,0.315826,0.275201,0.365052,0.358897
+103,0.342377,0.2975,0.393102,0.395843
+104,0.372086,0.32339,0.427255,0.43836
+105,0.405278,0.353414,0.469531,0.487816
+106,0.442277,0.388111,0.521945,0.545886
+107,0.483406,0.428023,0.586518,0.614309
+108,0.528989,0.473692,0.665268,0.694855
+109,0.579351,0.525658,0.760215,0.789474
+110,0.634814,0.584462,1,1
+111,0.695704,0.650646,,
+112,0.762343,0.72475,,
+113,0.835056,0.807316,,
+114,0.914167,0.898885,,
+115,1,1,,
diff --git a/inst/extdata/USA_Annuities_1994GAR.csv b/inst/extdata/USA_Annuities_1994GAR.csv
new file mode 100644
index 0000000000000000000000000000000000000000..0f6eb804ea3b3f6b078d4ba96b50bb6af4770d91
--- /dev/null
+++ b/inst/extdata/USA_Annuities_1994GAR.csv
@@ -0,0 +1,124 @@
+USA 1994 GAR,,,,,,
+,,,,,,
+,1994 GAR Male,,1994 GAR Female,,1994 GAM Basic (unloaded),
+Age,qx1994,AAx,qy1994,AAy,Male,Female
+1,0.000592,0.02,0.000531,0.02,0.000637,0.000571
+2,0.0004,0.02,0.000346,0.02,0.00043,0.000372
+3,0.000332,0.02,0.000258,0.02,0.000357,0.000278
+4,0.000259,0.02,0.000194,0.02,0.000278,0.000208
+5,0.000237,0.02,0.000175,0.02,0.000255,0.000188
+6,0.000227,0.02,0.000163,0.02,0.000244,0.000176
+7,0.000217,0.02,0.000153,0.02,0.000234,0.000165
+8,0.000201,0.02,0.000137,0.02,0.000216,0.000147
+9,0.000194,0.02,0.00013,0.02,0.000209,0.00014
+10,0.000197,0.02,0.000131,0.02,0.000212,0.000141
+11,0.000208,0.02,0.000138,0.02,0.000223,0.000148
+12,0.000226,0.02,0.000148,0.02,0.000243,0.000159
+13,0.000255,0.02,0.000164,0.02,0.000275,0.000177
+14,0.000297,0.019,0.000189,0.018,0.00032,0.000203
+15,0.000345,0.019,0.000216,0.016,0.000371,0.000233
+16,0.000391,0.019,0.000242,0.015,0.000421,0.000261
+17,0.00043,0.019,0.000262,0.014,0.000463,0.000281
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+20,0.000507,0.019,0.000284,0.016,0.000545,0.000305
+21,0.00053,0.018,0.000286,0.017,0.00057,0.000308
+22,0.000556,0.017,0.000289,0.017,0.000598,0.000311
+23,0.000589,0.015,0.000292,0.016,0.000633,0.000313
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diff --git a/inst/extdata/USA_Annuities_2012IAM.csv b/inst/extdata/USA_Annuities_2012IAM.csv
new file mode 100644
index 0000000000000000000000000000000000000000..5311efa096f625ecde406712ff395e064e4b7d68
--- /dev/null
+++ b/inst/extdata/USA_Annuities_2012IAM.csv
@@ -0,0 +1,125 @@
+USA 2012 IAM Basic and Mortality Tables,,,,,,,,,
+,,,,,,,YOB:,2025,
+,Basic Table (unloaded),,2012 IAM Mortality,,Projection Scale,,,,
+ANB,qx(2012),qy(2012),qx(2012),qy(2012),G2x,G2y,Age,qx,qy
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diff --git a/inst/extdata/USA_Annuities_Annuity2000.csv b/inst/extdata/USA_Annuities_Annuity2000.csv
new file mode 100644
index 0000000000000000000000000000000000000000..74492a0a60e529ba1c07a0e306821337c78ffec9
--- /dev/null
+++ b/inst/extdata/USA_Annuities_Annuity2000.csv
@@ -0,0 +1,116 @@
+USA Annuity 2000 Basic and Mortality Tables,,,,
+,,,,
+,,,,
+age (ANB),Annuity 2000 Basic Table,,Annuity 2000 Mortality Table,
+,Male,Female*,Male,Female*
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+27,0.000738,0.000403,0.000659,0.000362
+28,0.000758,0.000419,0.000675,0.000376
+29,0.000774,0.000435,0.000687,0.000389
+30,0.000784,0.00045,0.000694,0.000402
+31,0.000789,0.000463,0.000699,0.000414
+32,0.000789,0.000476,0.0007,0.000425
+33,0.00079,0.000488,0.000701,0.000436
+34,0.000791,0.0005,0.000702,0.000449
+35,0.000792,0.000515,0.000704,0.000463
+36,0.000794,0.000534,0.000719,0.000481
+37,0.000823,0.000558,0.000749,0.000504
+38,0.000872,0.00059,0.000796,0.000532
+39,0.000945,0.00063,0.000864,0.000567
+40,0.001043,0.000677,0.000953,0.000609
+41,0.001168,0.000732,0.001065,0.000658
+42,0.001322,0.000796,0.001201,0.000715
+43,0.001505,0.000868,0.001362,0.000781
+44,0.001715,0.00095,0.001547,0.000855
+45,0.001948,0.001043,0.001752,0.000939
+46,0.002198,0.001148,0.001974,0.001035
+47,0.002463,0.001267,0.002211,0.001141
+48,0.00274,0.0014,0.00246,0.001261
+49,0.003028,0.001548,0.002721,0.001393
+50,0.00333,0.00171,0.002994,0.001538
+51,0.003647,0.001888,0.003279,0.001695
+52,0.00398,0.002079,0.003576,0.001864
+53,0.004331,0.002286,0.003884,0.002047
+54,0.004698,0.002507,0.004203,0.002244
+55,0.005077,0.002746,0.004534,0.002457
+56,0.005465,0.003003,0.004876,0.002699
+57,0.005861,0.00328,0.005228,0.002942
+58,0.006265,0.003578,0.005593,0.003218
+59,0.006694,0.003907,0.005988,0.003523
+60,0.00717,0.004277,0.006428,0.003863
+61,0.007714,0.004699,0.006933,0.004242
+62,0.008348,0.005181,0.00752,0.004668
+63,0.009093,0.005732,0.008207,0.005144
+64,0.009968,0.006347,0.009008,0.005671
+65,0.010993,0.007017,0.00994,0.00625
+66,0.012188,0.007734,0.011016,0.006878
+67,0.013572,0.008491,0.012251,0.007555
+68,0.01516,0.009288,0.013657,0.008287
+69,0.016946,0.010163,0.015233,0.009102
+70,0.01892,0.011165,0.016979,0.010034
+71,0.021071,0.012339,0.018891,0.011117
+72,0.023388,0.013734,0.020967,0.012386
+73,0.025871,0.015391,0.023209,0.013871
+74,0.028552,0.017326,0.025644,0.015592
+75,0.031477,0.019551,0.028304,0.017564
+76,0.034686,0.022075,0.03122,0.019805
+77,0.038225,0.02491,0.034425,0.022328
+78,0.042132,0.028074,0.037948,0.025158
+79,0.046427,0.031612,0.041812,0.028341
+80,0.051128,0.03558,0.046037,0.031933
+81,0.05625,0.04003,0.050643,0.035985
+82,0.061809,0.045017,0.055651,0.040552
+83,0.067826,0.0506,0.06108,0.04569
+84,0.074322,0.056865,0.066948,0.051456
+85,0.081326,0.063907,0.073275,0.057913
+86,0.088863,0.071815,0.080076,0.065119
+87,0.096958,0.080682,0.08737,0.073136
+88,0.105631,0.090557,0.095169,0.081991
+89,0.114858,0.101307,0.103455,0.091577
+90,0.124612,0.112759,0.112209,0.101758
+91,0.134861,0.124733,0.121402,0.112395
+92,0.145575,0.137054,0.131017,0.123349
+93,0.156727,0.149552,0.14103,0.134486
+94,0.16829,0.162079,0.151422,0.145689
+95,0.180245,0.174492,0.162179,0.156846
+96,0.192565,0.186647,0.173279,0.167841
+97,0.205229,0.198403,0.184706,0.178563
+98,0.218683,0.210337,0.196946,0.189604
+99,0.233371,0.233027,0.210484,0.201557
+100,0.249741,0.237051,0.225806,0.215013
+101,0.268237,0.252985,0.243398,0.230565
+102,0.289305,0.271406,0.263745,0.248805
+103,0.313391,0.292893,0.287334,0.270326
+104,0.34094,0.318023,0.314649,0.295719
+105,0.372398,0.347373,0.346177,0.325576
+106,0.40821,0.38152,0.382403,0.360491
+107,0.448823,0.421042,0.423813,0.401054
+108,0.494681,0.466516,0.470893,0.44786
+109,0.546231,0.51852,0.524128,0.501498
+110,0.603917,0.577631,0.584004,0.562563
+111,0.668186,0.644427,0.651007,0.631645
+112,0.739483,0.719484,0.725622,0.709338
+113,0.818254,0.80338,0.808336,0.796233
+114,0.904945,0.896693,0.899633,0.892923
+115,1,1,1,1
diff --git a/inst/extdata/ValuationTables_USA_Annuities.R b/inst/extdata/ValuationTables_USA_Annuities.R
index 195cd15c57d90bf2d12ebbcfee35931d5508ba8a..524eb5ae1af624390ef877edd871684b540e57a5 100644
--- a/inst/extdata/ValuationTables_USA_Annuities.R
+++ b/inst/extdata/ValuationTables_USA_Annuities.R
@@ -1,165 +1,3 @@
-# frame_files = lapply(sys.frames(), function(x) x$ofile)
-# frame_files = Filter(Negate(is.null), frame_files)
-# PATH <- dirname(frame_files[[length(frame_files)]])
-# rm(frame_files)
-# setwd(dirname(PATH))
-
-library("gdata")
-library("ValuationTables")
-
-
-###############################################################################
-### 1971 IAM individual annuity table; with optional projection scale B_x
-###############################################################################
-
-USA1971IAM.data=read.xls(
- "Tables/USA_Annuities.xls",
- sheet="1971 IAM", skip=2, #row.names=1,
- col.names=c("age","qx", "qy", "B"));
-
-USA1971IAM.male=valuationTable_period (
- name="USA 1971 IAM, male",
- ages=USA1971IAM.data$age,
- deathProbs=USA1971IAM.data$qx)
-USA1971IAM.female=valuationTable_period (
- name="USA 1971 IAM, female",
- ages=USA1971IAM.data$age,
- deathProbs=USA1971IAM.data$qy)
-
-USA1971IAM.male.projected=valuationTable_improvementFactors (
- name="USA 1971 IAM, male",
- ages=USA1971IAM.data$age, baseYear=1971,
- deathProbs=USA1971IAM.data$qx,
- improvement=USA1971IAM.data$B)
-USA1971IAM.female.projected=valuationTable_improvementFactors (
- name="USA 1971 IAM, female",
- ages=USA1971IAM.data$age, baseYear=1971,
- deathProbs=USA1971IAM.data$qy,
- improvement=USA1971IAM.data$B)
-
-rm(USA1971IAM.data);
-
-
-###############################################################################
-### 1983 Table "a" (individual) and GAM (group annuities), period tables
-###############################################################################
-
-USA1983a.data=read.xls(
- "Tables/USA_Annuities.xls",
- sheet="1983a - GAM", skip=2,
- col.names=c("age","qx", "qy", "qxG", "qyG"));
-
-USA1983a.male=valuationTable_period (
- name="USA 1983 Table a, male",
- ages=USA1983a.data$age,
- deathProbs=USA1983a.data$qx)
-USA1983a.female=valuationTable_period (
- name="USA 1983 Table a, female",
- ages=USA1983a.data$age,
- deathProbs=USA1983a.data$qy)
-
-USA1983GAM.male=valuationTable_period (
- name="USA 1983 GAM, male",
- ages=USA1983a.data$age,
- deathProbs=USA1983a.data$qxG)
-USA1983GAM.female=valuationTable_period (
- name="USA 1983 GAM, female",
- ages=USA1983a.data$age,
- deathProbs=USA1983a.data$qyG)
-
-rm(USA1983a.data);
-
-
-###############################################################################
-### 1994 GAR/GAM group annuity tables, with improvement factors AA_x
-###############################################################################
-
-USA1994GAM.data=read.xls(
- "Tables/USA_Annuities.xls",
- sheet="1994 GAR", skip=2,
- col.names=c("age","qx", "AAx", "qy", "AAy", "qxBasic", "qyBasic"));
-
-USA1994GAM.male.basic=valuationTable_period (
- name="USA 1994 GAM basic (unloaded), male",
- ages=USA1994GAM.data$age,
- deathProbs=USA1994GAM.data$qxBasic)
-USA1994GAM.female.basic=valuationTable_period (
- name="USA 1994 GAM basic (unloaded), female",
- ages=USA1994GAM.data$age,
- deathProbs=USA1994GAM.data$qyBasic)
-
-USA1994GAR.male=valuationTable_improvementFactors (
- name="USA 1994 GAM, male",
- ages=USA1994GAM.data$age,
- deathProbs=USA1994GAM.data$qx,
- improvement=USA1994GAM.data$AAx)
-USA1994GAR.female=valuationTable_improvementFactors (
- name="USA 1994 GAM, female",
- ages=USA1994GAM.data$age,
- deathProbs=USA1994GAM.data$qy,
- improvement=USA1994GAM.data$AAy)
-
-rm(USA1994GAM.data);
-
-
-###############################################################################
-### Annuity 2000 Basic (unloaded) and Mortality (loaded) Tables, PERIOD tables
-###############################################################################
-
-USAAnnuity2000.data=read.xls(
- "Tables/USA_Annuities.xls",
- sheet="Annuity 2000", skip=2, #row.names=1,
- col.names=c("age","qxBasic", "qyBasic", "qx", "qy"));
-
-USAAnnuity2000.basic.male=valuationTable_period (
- name="USA Annuity 2000 basic, male",
- ages=USAAnnuity2000.data$age,
- deathProbs=USAAnnuity2000.data$qxBasic)
-USAAnnuity2000.basic.female=valuationTable_period (
- name="USA Annuity 2000 basic, female",
- ages=USAAnnuity2000.data$age,
- deathProbs=USAAnnuity2000.data$qyBasic)
-
-USAAnnuity2000.male.projected=valuationTable_period (
- name="USA Annuity 2000, male",
- ages=USAAnnuity2000.data$age,
- deathProbs=USAAnnuity2000.data$qx)
-USAAnnuity2000.female.projected=valuationTable_period (
- name="USA Annuity 2000, female",
- ages=USAAnnuity2000.data$age,
- deathProbs=USAAnnuity2000.data$qy)
-
-rm(USAAnnuity2000.data);
-
-
-###############################################################################
-### 1994 GAR/GAM group annuity tables, with improvement factors AA_x
-###############################################################################
-
-USA2012IAM.data=read.xls(
- "Tables/USA_Annuities.xls",
- sheet="2012 IAR", skip=3,
- col.names=c("age","qxBasic", "qyBasic", "qx", "qy", "G2x", "G2y", "", "", ""));
-
-USA2012IAM.male.basic=valuationTable_period (
- name="USA 2012 IAM basic (unloaded), male",
- ages=USA2012IAM.data$age,
- deathProbs=USA2012IAM.data$qxBasic)
-USA2012IAM.female.basic=valuationTable_period (
- name="USA 2012 IAM basic (unloaded), female",
- ages=USA2012IAM.data$age, omega=max(USA2012IAM.data$age,rm.na=TRUE)+1,
- deathProbs=USA2012IAM.data$qyBasic)
-
-USA2012IAM.male=valuationTable_improvementFactors (
- name="USA 2012 IAM, male",
- ages=USA2012IAM.data$age, omega=max(USA2012IAM.data$age,rm.na=TRUE)+1,
- deathProbs=USA2012IAM.data$qx,
- improvement=USA2012IAM.data$G2x)
-USA2012IAM.female=valuationTable_improvementFactors (
- name="USA 2012 IAM, female",
- ages=USA2012IAM.data$age, omega=max(USA2012IAM.data$age,rm.na=TRUE)+1,
- deathProbs=USA2012IAM.data$qy,
- improvement=USA2012IAM.data$G2y)
-
-rm(USA2012IAM.data);
+stopifnot(require(methods), require(utils), require(ValuationTables))
+valuationTables.load("USA_Annuities_*", wildcard = TRUE)
diff --git a/inst/extdata/ValuationTables_USA_Annuities_1971IAM.R b/inst/extdata/ValuationTables_USA_Annuities_1971IAM.R
new file mode 100644
index 0000000000000000000000000000000000000000..925a534934e4f45a259d0e0cefe04726ccb002a3
--- /dev/null
+++ b/inst/extdata/ValuationTables_USA_Annuities_1971IAM.R
@@ -0,0 +1,44 @@
+stopifnot(require(methods), require(utils), require(ValuationTables))
+
+
+###############################################################################
+### 1971 IAM individual annuity table; with optional projection scale B_x
+###############################################################################
+
+USA1971IAM.data = utils::read.csv(
+ system.file("extdata",
+ "USA_Annuities_1971IAM.csv",
+ package = "ValuationTables"),
+ col.names = c("age","qx", "qy", "B"),
+ skip = 3)
+
+USA1971IAM.male = valuationTable.period (
+ name = "USA 1971 IAM, male",
+ ages = USA1971IAM.data$age,
+ deathProbs = USA1971IAM.data$qx)
+
+USA1971IAM.female = valuationTable.period (
+ name = "USA 1971 IAM, female",
+ ages = USA1971IAM.data$age,
+ deathProbs = USA1971IAM.data$qy)
+
+USA1971IAM.male.projected = valuationTable.improvementFactors (
+ name = "USA 1971 IAM, male, projected",
+ ages = USA1971IAM.data$age,
+ baseYear = 1971,
+ deathProbs = USA1971IAM.data$qx,
+ improvement = USA1971IAM.data$B)
+
+USA1971IAM.female.projected = valuationTable.improvementFactors (
+ name = "USA 1971 IAM, female, projected",
+ ages = USA1971IAM.data$age,
+ baseYear = 1971,
+ deathProbs = USA1971IAM.data$qy,
+ improvement = USA1971IAM.data$B)
+
+rm(USA1971IAM.data)
+
+# plotValuationTables(USA1971IAM.male, USA1971IAM.male.projected, YOB = 1971)
+# plotValuationTables(USA1971IAM.male, USA1971IAM.male.projected, Period = 1999)
+
+
diff --git a/inst/extdata/ValuationTables_USA_Annuities_1983a.R b/inst/extdata/ValuationTables_USA_Annuities_1983a.R
new file mode 100644
index 0000000000000000000000000000000000000000..ead1d69b154f0389e4f6b05811ecf7c272b89d80
--- /dev/null
+++ b/inst/extdata/ValuationTables_USA_Annuities_1983a.R
@@ -0,0 +1,41 @@
+stopifnot(require(methods), require(utils), require(ValuationTables))
+
+###############################################################################
+### 1983 Table "a" (individual) and GAM (group annuities), period tables
+###############################################################################
+
+USA1983a.data = utils::read.csv(
+ system.file("extdata",
+ "USA_Annuities_1983a_GAM.csv",
+ package = "ValuationTables"),
+ col.names = c("age","qx", "qy", "qxG", "qyG"),
+ skip = 3)
+
+
+USA1983a.male = valuationTable.period (
+ name = "USA 1983 Table a, male",
+ ages = USA1983a.data$age,
+ deathProbs = USA1983a.data$qx)
+
+USA1983a.female = valuationTable.period (
+ name = "USA 1983 Table a, female",
+ ages = USA1983a.data$age,
+ deathProbs = USA1983a.data$qy)
+
+
+USA1983GAM.male = valuationTable.period (
+ name = "USA 1983 GAM, male",
+ ages = USA1983a.data$age,
+ deathProbs = USA1983a.data$qxG)
+
+USA1983GAM.female = valuationTable.period (
+ name = "USA 1983 GAM, female",
+ ages = USA1983a.data$age,
+ deathProbs = USA1983a.data$qyG)
+
+rm(USA1983a.data)
+
+# plotValuationTables(USA1971IAM.male, USA1971IAM.male.projected, YOB = 1971)
+# plotValuationTables(USA1971IAM.male, USA1971IAM.male.projected, Period = 1999)
+# plotValuationTables(USA1971IAM.male, USA1983a.male, USA1983GAM.male, YOB = 1971)
+
diff --git a/inst/extdata/ValuationTables_USA_Annuities_1994GAR.R b/inst/extdata/ValuationTables_USA_Annuities_1994GAR.R
new file mode 100644
index 0000000000000000000000000000000000000000..a82e27480eeb7a0ebbe73392c7449662185b89c2
--- /dev/null
+++ b/inst/extdata/ValuationTables_USA_Annuities_1994GAR.R
@@ -0,0 +1,40 @@
+stopifnot(require(methods), require(utils), require(ValuationTables))
+
+###############################################################################
+### 1994 GAR/GAM group annuity tables, with improvement factors AA_x
+###############################################################################
+
+USA1994GAM.data = utils::read.csv(
+ system.file("extdata",
+ "USA_Annuities_1994GAR.csv",
+ package = "ValuationTables"),
+ col.names = c("age","qx", "AAx", "qy", "AAy", "qxBasic", "qyBasic"),
+ skip = 3)
+
+USA1994GAM.male.basic = valuationTable.period (
+ name = "USA 1994 GAM basic (unloaded), male",
+ ages = USA1994GAM.data$age,
+ deathProbs = USA1994GAM.data$qxBasic)
+
+USA1994GAM.female.basic = valuationTable.period (
+ name = "USA 1994 GAM basic (unloaded), female",
+ ages = USA1994GAM.data$age,
+ deathProbs = USA1994GAM.data$qyBasic)
+
+
+USA1994GAR.male = valuationTable.improvementFactors (
+ name = "USA 1994 GAR, male",
+ ages = USA1994GAM.data$age,
+ deathProbs = USA1994GAM.data$qx,
+ improvement = USA1994GAM.data$AAx)
+
+USA1994GAR.female = valuationTable.improvementFactors (
+ name = "USA 1994 GAR, female",
+ ages = USA1994GAM.data$age,
+ deathProbs = USA1994GAM.data$qy,
+ improvement = USA1994GAM.data$AAy)
+
+rm(USA1994GAM.data)
+
+# plotValuationTables(USA1994GAM.male.basic, USA1994GAR.male, Period = 1994)
+
diff --git a/inst/extdata/ValuationTables_USA_Annuities_2012IAM.R b/inst/extdata/ValuationTables_USA_Annuities_2012IAM.R
new file mode 100644
index 0000000000000000000000000000000000000000..676e79dda452a572917b5ec87c8a38cb93e07ecb
--- /dev/null
+++ b/inst/extdata/ValuationTables_USA_Annuities_2012IAM.R
@@ -0,0 +1,39 @@
+stopifnot(require(methods), require(utils), require(ValuationTables))
+
+###############################################################################
+### 2012 IAR/GAM group annuity tables, with improvement factors AA_x
+###############################################################################
+
+USA2012IAM.data = utils::read.csv(
+ system.file("extdata",
+ "USA_Annuities_2012IAM.csv",
+ package = "ValuationTables"),
+ col.names = c("age", "qxBasic", "qyBasic", "qx", "qy", "G2x", "G2y", "", "", ""),
+ skip = 3
+)
+
+USA2012IAM.male.basic = valuationTable.period (
+ name = "USA 2012 IAM basic (unloaded), male",
+ ages = USA2012IAM.data$age,
+ deathProbs = USA2012IAM.data$qxBasic)
+
+USA2012IAM.female.basic = valuationTable.period (
+ name = "USA 2012 IAM basic (unloaded), female",
+ ages = USA2012IAM.data$age,
+ deathProbs = USA2012IAM.data$qyBasic)
+
+
+USA2012IAM.male = valuationTable.improvementFactors (
+ name = "USA 2012 IAM, male",
+ ages = USA2012IAM.data$age,
+ deathProbs = USA2012IAM.data$qx,
+ improvement = USA2012IAM.data$G2x)
+
+USA2012IAM.female = valuationTable.improvementFactors (
+ name = "USA 2012 IAM, female",
+ ages = USA2012IAM.data$age,
+ deathProbs = USA2012IAM.data$qy,
+ improvement = USA2012IAM.data$G2y)
+
+rm(USA2012IAM.data)
+
diff --git a/inst/extdata/ValuationTables_USA_Annuities_Annuity2000.R b/inst/extdata/ValuationTables_USA_Annuities_Annuity2000.R
new file mode 100644
index 0000000000000000000000000000000000000000..19befd132235f2721433cc58101855bfcd1dd741
--- /dev/null
+++ b/inst/extdata/ValuationTables_USA_Annuities_Annuity2000.R
@@ -0,0 +1,41 @@
+stopifnot(require(methods), require(utils), require(ValuationTables))
+
+###############################################################################
+### Annuity 2000 Basic (unloaded) and Mortality (loaded) Tables, PERIOD tables
+###############################################################################
+
+USAAnnuity2000.data = utils::read.csv(
+ system.file("extdata",
+ "USA_Annuities_Annuity2000.csv",
+ package = "ValuationTables"),
+ col.names = c("age","qxBasic", "qyBasic", "qx", "qy"),
+ skip = 4
+)
+
+
+USAAnnuity2000.basic.male = valuationTable.period (
+ name = "USA Annuity 2000 basic, male",
+ ages = USAAnnuity2000.data$age,
+ deathProbs = USAAnnuity2000.data$qxBasic)
+
+USAAnnuity2000.basic.female = valuationTable.period (
+ name = "USA Annuity 2000 basic, female",
+ ages = USAAnnuity2000.data$age,
+ deathProbs = USAAnnuity2000.data$qyBasic)
+
+
+USAAnnuity2000.male = valuationTable.period (
+ name = "USA Annuity 2000 mortality, male",
+ ages = USAAnnuity2000.data$age,
+ deathProbs = USAAnnuity2000.data$qx)
+
+USAAnnuity2000.female = valuationTable.period (
+ name = "USA Annuity 2000 mortality, female",
+ ages = USAAnnuity2000.data$age,
+ deathProbs = USAAnnuity2000.data$qy)
+
+rm(USAAnnuity2000.data)
+
+# plotValuationTables(USAAnnuity2000.basic.male, USAAnnuity2000.male, Period = 2000)
+
+