diff --git a/TODO/MortalityTables_USA_Annuities_1994GAR.R b/TODO/MortalityTables_USA_Annuities_1994GAR.R
deleted file mode 100644
index 5793dd3091b156edfb06ceea379398248d897c28..0000000000000000000000000000000000000000
--- a/TODO/MortalityTables_USA_Annuities_1994GAR.R
+++ /dev/null
@@ -1,56 +0,0 @@
-stopifnot(require(methods), require(utils), require(MortalityTables))
-
-###############################################################################
-### 1994 GAR/GAM group annuity tables, with improvement factors AA_x
-###############################################################################
-
-USA1994GAM.data = utils::read.csv(
-    system.file("extdata",
-                "USA_Annuities_1994GAR.csv",
-                package = "MortalityTables"),
-    col.names = c("age","qx", "AAx", "qy", "AAy", "qxBasic", "qyBasic"),
-    skip = 3)
-
-USA1994GAM.male.basic = mortalityTable.period(
-    name = "USA 1994 GAM basic (unloaded), male",
-    ages = USA1994GAM.data$age,
-    deathProbs = USA1994GAM.data$qxBasic,
-    data = list(
-        dim = list(sex = "m", collar = "group Mortality", type = "Rententafel", data = "unloaded", year = "1994 GAM")
-    )
-)
-
-USA1994GAM.female.basic = mortalityTable.period(
-    name = "USA 1994 GAM basic (unloaded), female",
-    ages = USA1994GAM.data$age,
-    deathProbs = USA1994GAM.data$qyBasic,
-    data = list(
-        dim = list(sex = "m", collar = "group Mortality", type = "Rententafel", data = "unloaded", year = "1994 GAM")
-    )
-)
-
-
-USA1994GAR.male = mortalityTable.improvementFactors(
-    name = "USA 1994 GAR, male",
-    ages = USA1994GAM.data$age,
-    deathProbs = USA1994GAM.data$qx,
-    improvement = USA1994GAM.data$AAx,
-    data = list(
-        dim = list(sex = "m", collar = "group Reserving", type = "Rententafel", data = "loaded", year = "1994 GAR")
-    )
-)
-
-USA1994GAR.female = mortalityTable.improvementFactors(
-    name = "USA 1994 GAR, female",
-    ages = USA1994GAM.data$age,
-    deathProbs = USA1994GAM.data$qy,
-    improvement = USA1994GAM.data$AAy,
-    data = list(
-        dim = list(sex = "m", collar = "group Reserving", type = "Rententafel", data = "loaded", year = "1994 GAR")
-    )
-)
-
-rm(USA1994GAM.data)
-
-# plot(USA1994GAM.male.basic, USA1994GAR.male, Period = 1994)
-
diff --git a/TODO/USA_Annuities_1994GAR.csv b/TODO/USA_Annuities_1994GAR.csv
deleted file mode 100644
index 0f6eb804ea3b3f6b078d4ba96b50bb6af4770d91..0000000000000000000000000000000000000000
--- a/TODO/USA_Annuities_1994GAR.csv
+++ /dev/null
@@ -1,124 +0,0 @@
-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
-18,0.00046,0.019,0.000273,0.014,0.000495,0.000293
-19,0.000484,0.019,0.00028,0.015,0.000521,0.000301
-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
-24,0.000624,0.013,0.000291,0.015,0.000671,0.000313
-25,0.000661,0.01,0.000291,0.014,0.000711,0.000313
-26,0.000696,0.006,0.000294,0.012,0.000749,0.000316
-27,0.000727,0.005,0.000302,0.012,0.000782,0.000324
-28,0.000754,0.005,0.000314,0.012,0.000811,0.000338
-29,0.000779,0.005,0.000331,0.012,0.000838,0.000356
-30,0.000801,0.005,0.000351,0.01,0.000862,0.000377
-31,0.000821,0.005,0.000373,0.008,0.000883,0.000401
-32,0.000839,0.005,0.000397,0.008,0.000902,0.000427
-33,0.000848,0.005,0.000422,0.009,0.000912,0.000454
-34,0.000849,0.005,0.000449,0.01,0.000913,0.000482
-35,0.000851,0.005,0.000478,0.011,0.000915,0.000514
-36,0.000862,0.005,0.000512,0.012,0.000927,0.00055
-37,0.000891,0.005,0.000551,0.013,0.000958,0.000593
-38,0.000939,0.006,0.000598,0.014,0.00101,0.000643
-39,0.000999,0.007,0.000652,0.015,0.001075,0.000701
-40,0.001072,0.008,0.000709,0.015,0.001153,0.000763
-41,0.001156,0.009,0.000768,0.015,0.001243,0.000826
-42,0.001252,0.01,0.000825,0.015,0.001346,0.000888
-43,0.001352,0.011,0.000877,0.015,0.001454,0.000943
-44,0.001458,0.012,0.000923,0.015,0.001568,0.000992
-45,0.001578,0.013,0.000973,0.016,0.001697,0.001046
-46,0.001722,0.014,0.001033,0.017,0.001852,0.001111
-47,0.001899,0.015,0.001112,0.018,0.002042,0.001196
-48,0.002102,0.016,0.001206,0.018,0.00226,0.001297
-49,0.002326,0.017,0.00131,0.018,0.002501,0.001408
-50,0.002579,0.018,0.001428,0.017,0.002773,0.001536
-51,0.002872,0.019,0.001568,0.016,0.003088,0.001686
-52,0.003213,0.02,0.001734,0.014,0.003455,0.001864
-53,0.003584,0.02,0.001907,0.012,0.003854,0.002051
-54,0.003979,0.02,0.002084,0.01,0.004278,0.002241
-55,0.004425,0.019,0.002294,0.008,0.004758,0.002466
-56,0.004949,0.018,0.002563,0.006,0.005322,0.002755
-57,0.005581,0.017,0.002919,0.005,0.006001,0.003139
-58,0.0063,0.016,0.003359,0.005,0.006774,0.003612
-59,0.00709,0.016,0.003863,0.005,0.007623,0.004154
-60,0.007976,0.016,0.004439,0.005,0.008576,0.004773
-61,0.008986,0.015,0.005093,0.005,0.009663,0.005476
-62,0.010147,0.015,0.005832,0.005,0.010911,0.006271
-63,0.011471,0.014,0.006677,0.005,0.012335,0.007179
-64,0.01294,0.014,0.007621,0.005,0.013914,0.008194
-65,0.014535,0.014,0.008636,0.005,0.015629,0.009286
-66,0.016239,0.013,0.009694,0.005,0.017462,0.010423
-67,0.018034,0.013,0.010764,0.005,0.019391,0.011574
-68,0.019859,0.014,0.011763,0.005,0.021354,0.012648
-69,0.021729,0.014,0.012709,0.005,0.023364,0.013665
-70,0.02373,0.015,0.01373,0.005,0.025516,0.014763
-71,0.025951,0.015,0.014953,0.006,0.027905,0.016079
-72,0.028481,0.015,0.016506,0.006,0.030625,0.017748
-73,0.031201,0.015,0.018344,0.007,0.033549,0.019724
-74,0.034051,0.015,0.020381,0.007,0.036614,0.021915
-75,0.037211,0.014,0.022686,0.008,0.040012,0.024393
-76,0.040858,0.014,0.025325,0.008,0.043933,0.027231
-77,0.045171,0.013,0.028366,0.007,0.04857,0.030501
-78,0.050211,0.012,0.031727,0.007,0.053991,0.034115
-79,0.055861,0.011,0.035362,0.007,0.060066,0.038024
-80,0.062027,0.01,0.039396,0.007,0.066696,0.042361
-81,0.068615,0.009,0.043952,0.007,0.07378,0.04726
-82,0.075532,0.008,0.049153,0.007,0.081217,0.052853
-83,0.08251,0.008,0.054857,0.007,0.088721,0.058986
-84,0.089613,0.007,0.060979,0.007,0.096358,0.065569
-85,0.09724,0.007,0.067738,0.006,0.104559,0.072836
-86,0.105792,0.007,0.075347,0.005,0.113755,0.081018
-87,0.115671,0.006,0.084023,0.004,0.124377,0.090348
-88,0.12698,0.005,0.09382,0.004,0.136537,0.100882
-89,0.139452,0.005,0.104594,0.003,0.149949,0.112467
-90,0.152931,0.004,0.116265,0.003,0.164442,0.125016
-91,0.16726,0.004,0.128751,0.003,0.179849,0.138442
-92,0.182281,0.003,0.141973,0.003,0.196001,0.15266
-93,0.198392,0.003,0.155931,0.002,0.213325,0.167668
-94,0.2157,0.003,0.170677,0.002,0.231936,0.183524
-95,0.233606,0.002,0.186213,0.002,0.251189,0.200229
-96,0.25151,0.002,0.202538,0.002,0.270441,0.217783
-97,0.268815,0.002,0.219655,0.001,0.289048,0.236188
-98,0.285277,0.001,0.237713,0.001,0.30675,0.255605
-99,0.301298,0.001,0.256712,0.001,0.323976,0.276035
-100,0.317238,0.001,0.276427,0.001,0.341116,0.297233
-101,0.333461,0,0.296629,0,0.35856,0.318956
-102,0.35033,0,0.317093,0,0.376699,0.34096
-103,0.368542,0,0.338505,0,0.396884,0.364586
-104,0.387885,0,0.361016,0,0.418855,0.389996
-105,0.407224,0,0.383597,0,0.440585,0.41518
-106,0.425599,0,0.405217,0,0.460043,0.438126
-107,0.441935,0,0.424846,0,0.4752,0.456824
-108,0.457553,0,0.444368,0,0.48567,0.471493
-109,0.47315,0,0.464469,0,0.492807,0.483473
-110,0.486745,0,0.482325,0,0.497189,0.492436
-111,0.496356,0,0.49511,0,0.499394,0.498054
-112,0.5,0,0.5,0,0.5,0.5
-113,0.5,0,0.5,0,0.5,0.5
-114,0.5,0,0.5,0,0.5,0.5
-115,0.5,0,0.5,0,0.5,0.5
-116,0.5,0,0.5,0,0.5,0.5
-117,0.5,0,0.5,0,0.5,0.5
-118,0.5,0,0.5,0,0.5,0.5
-119,0.5,0,0.5,0,0.5,0.5
-120,1,0,1,0,1,1
diff --git a/data-raw/US/create_MortalityTables_US_Annuities.R b/data-raw/US/create_MortalityTables_US_Annuities.R
index a4a91db4c8439a23b20c545a0f4a2ecb076a4825..c63eff60cb7a2fc6d49491ec9d07560c207f0f2d 100644
--- a/data-raw/US/create_MortalityTables_US_Annuities.R
+++ b/data-raw/US/create_MortalityTables_US_Annuities.R
@@ -150,3 +150,79 @@ save(USA1983GAM, USA1983GAM.male, USA1983GAM.female,
 
 
 
+###############################################################################
+### 1994 GAR/GAM group annuity tables, with improvement factors AA_x
+###############################################################################
+
+USA1994GAM.data = read_excel(
+  US.annuities.file, sheet = "1994 GAR",
+  col_names = c("age","qx", "AAx", "qy", "AAy", "qxBasic", "qyBasic"),
+  skip = 4)
+
+USA1994GAM.male.basic = mortalityTable.period(
+  name = "USA 1994 GAM basic (unloaded), male",
+  ages = USA1994GAM.data$age,
+  deathProbs = USA1994GAM.data$qxBasic,
+  data = list(
+    dim = list(sex = "m", collar = "group Mortality", type = "Rententafel", data = "unloaded", year = "1994 GAM")
+  )
+)
+
+USA1994GAM.female.basic = mortalityTable.period(
+  name = "USA 1994 GAM basic (unloaded), female",
+  ages = USA1994GAM.data$age,
+  deathProbs = USA1994GAM.data$qyBasic,
+  data = list(
+    dim = list(sex = "m", collar = "group Mortality", type = "Rententafel", data = "unloaded", year = "1994 GAM")
+  )
+)
+
+
+USA1994GAR.male = mortalityTable.improvementFactors(
+  name = "USA 1994 GAR, male",
+  ages = USA1994GAM.data$age,
+  deathProbs = USA1994GAM.data$qx,
+  improvement = USA1994GAM.data$AAx,
+  data = list(
+    dim = list(sex = "m", collar = "group Reserving", type = "Rententafel", data = "loaded", year = "1994 GAR")
+  )
+)
+
+USA1994GAR.female = mortalityTable.improvementFactors(
+  name = "USA 1994 GAR, female",
+  ages = USA1994GAM.data$age,
+  deathProbs = USA1994GAM.data$qy,
+  improvement = USA1994GAM.data$AAy,
+  data = list(
+    dim = list(sex = "m", collar = "group Reserving", type = "Rententafel", data = "loaded", year = "1994 GAR")
+  )
+)
+
+
+USA1994GAM = array(
+  data = c(
+    USA1994GAM.male.basic, USA1994GAM.female.basic
+  ),
+  dim = c(2),
+  dimnames = list(Sex = c("m", "f"))
+)
+
+USA1994GAR = array(
+  data = c(
+    USA1994GAR.male, USA1994GAR.female
+  ),
+  dim = c(2),
+  dimnames = list(Sex = c("m", "f"))
+)
+
+save(USA1994GAM, USA1994GAM.male.basic, USA1994GAM.female.basic,
+     file = here::here("data", "USA1994GAM.RData")
+)
+save(USA1994GAR, USA1994GAR.male, USA1994GAR.female,
+     file = here::here("data", "USA1994GAR.RData")
+)
+
+
+
+
+
diff --git a/data/USA1994GAM.RData b/data/USA1994GAM.RData
new file mode 100644
index 0000000000000000000000000000000000000000..29dbbb73edca9b5676203845428ef4fcc1f902bc
Binary files /dev/null and b/data/USA1994GAM.RData differ
diff --git a/data/USA1994GAR.RData b/data/USA1994GAR.RData
new file mode 100644
index 0000000000000000000000000000000000000000..d90ee6dfd05945bbe0eae72ece932b3e5b5685e2
Binary files /dev/null and b/data/USA1994GAR.RData differ