EAC Tools allows you to create user-defined 1-D mortality improvement scale. Here is how to do it.

1.     Make a table of factors: In a worksheet, create your table of factors. The table is a 2-column range, where the first column is the age, and the second column is the factor.

2.     Factors: You can define the factors as rate, or as a rate × 100.

a.      In the past, projection scales were defined using rate × 100 (Scales A, B, C, D, E, H).

b.     Recently the Society of Actuaries has been using rate (Scales AA, BB, G2, and the new 2-D tables BB, MP-2014, MP-2015).

c.      You can use either a. or b. above: if a table has any factor larger than .1 then the table will be treated as rate × 100 table, meaning all factors will be divided by 100 before there are used.

d.     Your table of factors should look something like this:

3.     Select the range containing your table of ages and factors using either the mouse with click & hold, or using the keyboard with shift-cursor.

4.     In the PV Tools menu, click on “Create a user-defined 1D projection Scale”.

5.     Follow the instructions to enter a descriptor and table name.

6.     The file will be created as a plain text file in C:\Users\Public named “tablename.SCA” to indicate that is it a 1-D projection scale.

7.     Use the scale name just as you would use any other built-in scale name. Your custom table will appear in the library of tables in the “User-Defined” category.