{"text_format":"1","workbook":"xlsx","n_sheets":4,"sheets":["Invoer en Uitvoer","Berekening","ITPP68","Variabelen"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":10,"comments":1,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Invoer en Uitvoer","index":0,"n_rows":19,"n_cols":6,"rows_kept":19,"cut":false,"hidden":false,"merged":[]}
["Invoer:"]
[null,"Naam Werkgever:","Test"]
[null,"Werkgeversnummer:",12345]
[null,"Ingangsdatum ANW:","2023-05-01"]
[null,"Naam deelnemer:","Test"]
[null,"Pensioennr deelnemer:",23432]
[null,"Geboortedatum deelnemer:","1967-04-04"]
[null,"Geboortedatum partner:","1973-05-05",null,"ANW Premie berekening",2023]
[null,"Geslacht partner:","V"]
[null,"Verzekerd bedrag:",17900,{"$f":"\"Minimaal \"& TEXT(Variabelen!D16,\"€ #,##0.00\")& \" en Maximaal \" &TEXT(Variabelen!D15,\"€ #,##0.00\")","v":"Minimaal € 9,000.00 en Maximaal € 17,900.00"}]
[]
[]
[]
[]
[]
[]
["Uitvoer:","Brutopremie per jaar:",{"$f":"Berekening!B25*Legaliteit","v":1022.27}]
[null,"Brutopremie per maand:",{"$f":"Berekening!B26*Legaliteit","v":85.19}]
[null,"Brutopremie per 4wk:",{"$f":"Berekening!B27*Legaliteit","v":78.64}]

{"sheet":"Berekening","index":1,"n_rows":27,"n_cols":6,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
["Rekendatum:",{"$f":"rekdat","v":"2023-05-01"}]
[]
[]
[{"$f":"'Invoer en Uitvoer'!B5","v":"Naam deelnemer:"},{"$f":"'Invoer en Uitvoer'!C5","v":"Test"}]
[{"$f":"'Invoer en Uitvoer'!B6","v":"Pensioennr deelnemer:"},{"$f":"'Invoer en Uitvoer'!C6","v":23432}]
[{"$f":"'Invoer en Uitvoer'!B7","v":"Geboortedatum deelnemer:"},{"$f":"'Invoer en Uitvoer'!C7","v":"1967-04-04"}]
[{"$f":"'Invoer en Uitvoer'!B8","v":"Geboortedatum partner:"},{"$f":"'Invoer en Uitvoer'!C8","v":"1973-05-05"}]
[{"$f":"'Invoer en Uitvoer'!B9","v":"Geslacht partner:"},{"$f":"'Invoer en Uitvoer'!C9","v":"V"}]
[{"$f":"'Invoer en Uitvoer'!B10","v":"Verzekerd bedrag:"},{"$f":"'Invoer en Uitvoer'!C10","v":17900}]
[]
[]
[]
["Burgerlijke leeftijd deelnemer:",{"$f":"FLOOR(YEARFRAC(B6,B1)*1,1)","v":56},null,"Kleiner dan 66?",{"$f":"IF(B13<66,1,0)","v":1},"Als 1 dan PVI opslag, anders 0)"]
[]
["Burgerlijke leeftijd partner:",{"$f":"FLOOR(YEARFRAC(B7,B1)*1,1)","v":49}]
[]
["Eénjarige risicopremies per €1.000 (netto)",{"$f":"VLOOKUP(B13,risicopremies,2,FALSE)","v":3.18}]
["Eénjarige risicopremies per €1.000 (bruto)",{"$f":"B17*(1+excasso_opslag)*(1+solvabiliteit_opslag)*(1+pvi_indicator*pvi_opslag)","v":3.9911508892800001},"incl excasso / solvabiliteit / PVI (als burgelijke leeftijd <66)"]
[]
["OVL risicokapitaal:",{"$f":"B9*B18","v":71441.600918112003}]
["OVL risicokapitaal / 1000:",{"$f":"B20/1000","v":71.441600918112002}]
[]
["CW factor",{"$f":"VLOOKUP(B15,ITPP68,2+IF(B8=\"M\",0,1),FALSE)","v":14.30913}]
[]
["Premie per jaar",{"$f":"ROUND(B23*B21,2)*Legaliteit","v":1022.27}]
["Premie per maand",{"$f":"ROUND(B25/12,2)*Legaliteit","v":85.19}]
["Premie per 4wk",{"$f":"ROUND(B25/13,2)*Legaliteit","v":78.64}]

{"sheet":"ITPP68","index":2,"n_rows":59,"n_cols":3,"rows_kept":59,"cut":false,"hidden":true,"merged":[]}
["Meubel"]
[]
[null,"ITPP CW factoren van 1-1-2023 tot 31-12-2023"]
[]
["leeftijd","M","V"]
[15,30.680219999999998,30.72691]
[16,30.282219999999999,30.329930000000001]
[17,29.880469999999999,29.92841]
[18,29.474119999999999,29.522320000000001]
[19,29.063890000000001,29.111280000000001]
[20,28.64978,28.69556]
[21,28.231190000000002,28.274730000000002]
[22,27.80781,27.84883]
[23,27.379259999999999,27.417840000000002]
[24,26.94624,26.981580000000001]
[25,26.50826,26.539950000000001]
[26,26.06514,26.09329]
[27,25.61628,25.641220000000001]
[28,25.161190000000001,25.183969999999999]
[29,24.70065,24.721550000000001]
[30,24.234259999999999,24.253799999999998]
[31,23.76173,23.780570000000001]
[32,23.283729999999998,23.301760000000002]
[33,22.800219999999999,22.817350000000001]
[34,22.310839999999999,22.327719999999999]
[35,21.815909999999999,21.832850000000001]
[36,21.315449999999998,21.332329999999999]
[37,20.80931,20.826319999999999]
[38,20.297619999999998,20.314969999999999]
[39,19.78022,19.797969999999999]
[40,19.25723,19.27533]
[41,18.728570000000001,18.747170000000001]
[42,18.194189999999999,18.213719999999999]
[43,17.654109999999999,17.674679999999999]
[44,17.107990000000001,17.129339999999999]
[45,16.555689999999998,16.578199999999999]
[46,15.996689999999999,16.020440000000001]
[47,15.43136,15.45715]
[48,14.859780000000001,14.887449999999999]
[49,14.27994,14.30913]
[50,13.68932,13.720129999999999]
[51,13.08792,13.12022]
[52,12.47583,12.509779999999999]
[53,11.852790000000001,11.8881]
[54,11.21613,11.251659999999999]
[55,10.56217,10.597530000000001]
[56,9.8909900000000004,9.9253699999999991]
[57,9.20045,9.2330799999999993]
[58,8.4891100000000002,8.5191700000000008]
[59,7.7558600000000002,7.7824299999999997]
[60,6.9993699999999999,7.0224000000000002]
[61,6.2194700000000003,6.2394100000000003]
[62,5.4150900000000002,5.4324500000000002]
[63,4.5853799999999998,4.5996499999999996]
[64,3.72932,3.7397900000000002]
[65,2.8450000000000002,2.8520799999999999]
[66,1.93082,1.93442]
[67,0.98287999999999998,0.98387999999999998]
[68,0,0]

{"sheet":"Variabelen","index":3,"n_rows":77,"n_cols":4,"rows_kept":77,"cut":false,"hidden":true,"merged":[]}
["MBL"]
["Bron: ","Rekenwaarden 2023-4 BPF_Meubel "]
[]
[]
[]
[]
[]
[]
["Opslagen","excasso","solvabiliteit","pvi"]
["2021-01-01",0.03,0.17499999999999999,3.44E-2]
["2022-01-01",0.03,0.17799999999999999,3.44E-2]
["2023-01-01",0.03,0.184,3.44E-2]
[]
[null,2021,2022,2023]
["Maximale hoogte ANW ",16000,16200,17900]
["Minimale hoogte ANW",8000,8100,{"$f":"ROUND(D15*50%,-2)","v":9000}]
[]
["X:\\Finance\\Actuariaat\\Fondsen\\BPF Meubel\\Herverzekering\\Ellips herverzekering Meubel.xlsx"]
["premie"]
["Begin","Eind"]
["2020-01-01","2023-12-31"]
["ADDENDUM NO. 1  herverzekering van overlijdensrisicokapitalen"]
["M/V","Eénjarige risicopremies per €1.000,= overlijdensrisicokapitaal"]
["leeftijd","0/00"]
[17,0.23]
[18,0.23]
[19,0.23]
[20,0.24]
[21,0.24]
[22,0.24]
[23,0.24]
[24,0.25]
[25,0.25]
[26,0.25]
[27,0.25]
[28,0.26]
[29,0.26]
[30,0.28999999999999998]
[31,0.33]
[32,0.38]
[33,0.41]
[34,0.45]
[35,0.47]
[36,0.48]
[37,0.49]
[38,0.5]
[39,0.56999999999999995]
[40,0.64]
[41,0.71]
[42,0.83]
[43,0.98]
[44,1.1100000000000001]
[45,1.26]
[46,1.34]
[47,1.5]
[48,1.63]
[49,1.72]
[50,1.81]
[51,2.02]
[52,2.2400000000000002]
[53,2.56]
[54,2.71]
[55,2.87]
[56,3.18]
[57,3.32]
[58,3.45]
[59,3.53]
[60,3.68]
[61,4]
[62,4.51]
[63,4.88]
[64,5.42]
[65,6.31]
[66,6.89]
[67,7.66]
[68,8.51]
[69,9.43]