Spanish term
Timely, personal, professional service
Native in: English 
Works in: Spanish to English
factor de no caducidad
The TABLE OF VALUES FOR EACH $1,000 OF INITIAL INSURANCE AMOUNT has the following headers:
EDAD
**Factor de Caducidad**
(Column) (Column)
Efect. Seguro
Prést. Saldado
Starting at age 64 with both Efect. Prest. and Seguro Saldado at 0
ending at age 75 with Efect. Prest. 908.07 and Seguro Saldado at 1000
Thanks for all suggestions.
| 4 | non-lapse factor; lapse rate |
Adrian MM.
|
| 3 | (no) expiry factor |
Sergio Kot
|
Proposed translations
Israel
Hebrew-English-Spanish-Yiddish-Aramaic
Native in: Hebrew (Variant: Modern / Israeli) 
, Spanish (Variants: Uruguayan, Argentine, Standard-Spain, Rioplatense, Chilean, Latin American)
Works in: Spanish to Hebrew, English to Hebrew, Hebrew to English, and 3 more.
(no) expiry factor
Austria
Retd.T&I, Barrister & Austro-Advokat
Native in: English (Variants: British, Scottish)
Works in: Spanish to English, English to Spanish, French to English, and 5 more.
non-lapse factor; lapse rate
Two different questions - with and without a negative - so two dofferent answers.
A lapse ratio, or expiration ratio, is a measure of the number of policies issued by an insurance company that are not renewed compared to the number of policies that were active at the beginning of that same period.
Concurrent with this lapse deviation, we also observed a corresponding increase in UL mortality that can be approximated using Duke’s MacDonald methods where the anti-selective lapse factor is set equal to the excess of the universal life lapse rates
http://www.investopedia.com/terms/l/lapse-ratio.asp
http://eng.proz.com/personal-glossaries/entry/3087155-lapse-rate-tasa-de-caducidad
Discussion
Column 1 is Efect. Prést. and column 2 is Seguro Saldado.