The Data Space

Input data shared by every by-contract projection.

The three input CSVs are read here, once per model, and referenced from Projection as data. Projection is parameterized by point_id, so each Projection[N] is a separate ItemSpace with its own cells cache; if the readers lived there, every model point would re-read every file. Holding them in an unparameterized Space reads each file once no matter how many contracts are projected — which matters more here than in the sibling payout models, because a generational mortality table is two orders of magnitude larger than a period one.

Inputs are external files: plain CSVs in the model folder’s parent directory, products/rente_viagere/, rather than data stored inside the model. The model folder therefore holds nothing but formulas — no _data/, no IOSpec, no embedded values — so a diff of the model shows logic changes only. This follows annuallife.TradLife_A; contrast basiclife.BasicTerm_S, which keeps its inputs inside the model through modelx’s IOSpec machinery.

The consequence worth knowing: the model is not portable on its own. Copying the Rente_FR_S folder without its parent’s CSVs produces a model that reads and then fails on first evaluation.

input_dir() resolves the directory from _model.path.parent at run time, so the model works wherever the repository is checked out. Each table has a filename Reference and a reader Cells:

Reference	Cells	File
model_point_file	model_point_table()	model_point_table.csv
mort_table_file	mort_table()	mort_table.csv
reversion_coeff_file	reversion_coeff_table()	reversion_coeff_table.csv

There are three files rather than the sibling models’ two because the réversion coefficient is the one option-cost table any retrieved French source publishes, and a published table belongs in a file rather than in a formula. There is no lapse table, no charge scale, no bonus rate table and no surrender-value schedule, because the product has none of those things: everything else is either a contractual rule in the formulas or a single Reference on Projection.

Substituting a licensed basis means replacing mort_table.csv with a same-schema file — the TGH05/TGF05 generation tables homologated by the arrêté du 1er août 2006, which are annexed to the Code des assurances and are not redistributed here — keyed on exactly the same (sex, birth_year, age). No formula changes, and in particular no improvement scale to switch off: the shipped proxy has the same generational shape as the regulatory tables, so the model’s indexing is exercised honestly even though the rates are not the regulatory ones.

Cells Descriptions

input_dir()

The directory holding the input CSVs: the model folder’s parent.

Inputs are external files, not data stored inside the model, so the model folder is pure formulas. The path is resolved at run time from where the model was read, following annuallife.TradLife_A.

model_point_table()

The model point table, read from model_point_table.csv.

mort_table()

The annual mortality rates by sex, millésime and age, from mort_table.csv.

A [std] proxy with the shape of a French generation table: a rate is keyed on (sex, birth_year, age) and on nothing else, so the mortality trend lives inside the table and the projection needs no improvement scale. It is not TGH05/TGF05, which the arrêté du 1er août 2006 homologates and the Code des assurances annexes, and which this library does not redistribute. The rates are shaped on French population mortality and anchored so that the tariff annuity factor at the worked configuration’s age and millésime reproduces the technical notes’ placeholder taux de rente exactly; see Projection.taux_rente_tariff. Sorted on read, because Projection.mort_rate_at_age indexes into it.

reversion_coeff_table()

The published réversion coefficients, from reversion_coeff_table.csv.

The only option-cost table any retrieved French source publishes. It is keyed on the taux de réversion and on the difference in millésime between the reversionary and the annuitant — a positive difference meaning the reversionary is the younger life — given as an inclusive band (gen_diff_lo, gen_diff_hi). The three published columns are 60%, 80% and 100%; a taux de réversion off that grid has no retrieved coefficient, and Projection.reversion_coeff raises rather than guessing one. Read without an index because the lookup is a band test, not a key lookup.