TITLE 50: INSURANCE
CHAPTER I: DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION
SUBCHAPTER s: LEGAL RESERVE LIFE
PART 1412
RECOGNITION OF THE 2001 CSO MORTALITY TABLE
FOR USE IN DETERMINING MINIMUM RESERVE LIABILITIES
AND NONFORFEITURE BENEFITS
SECTION 1412.APPENDIX A 2001 CSO MORTALITY TABLES
Section 1412.APPENDIX A 2001 CSO Mortality Tables
Section 1412.ILLUSTRATION J Male Smoker Select
& Ultimate Age Last Birthday
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Male – Smoker – Age Last Birthday
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Issue Age
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Duration
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1
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2
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3
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4
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5
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6
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7
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8
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9
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10
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11
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12
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13
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con't
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|
0
|
|
|
|
|
|
|
|
|
|
|
|
|
|
con't
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|
1
|
|
|
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|
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|
|
|
|
|
|
|
con't
|
|
2
|
|
|
|
|
|
|
|
|
|
|
|
|
|
con't
|
|
3
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|
|
|
|
|
|
|
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|
|
|
|
|
con't
|
|
4
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|
|
|
|
|
|
|
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|
|
|
|
0.79
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con't
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5
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|
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|
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0.78
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0.95
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con't
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|
6
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|
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|
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|
|
|
|
|
|
0.78
|
0.95
|
1.09
|
con't
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|
7
|
|
|
|
|
|
|
|
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0.78
|
0.95
|
1.09
|
1.19
|
con't
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|
8
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|
|
|
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|
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0.78
|
0.95
|
1.09
|
1.19
|
1.26
|
con't
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|
9
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|
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|
|
|
|
|
0.77
|
0.95
|
1.09
|
1.19
|
1.26
|
1.32
|
con't
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|
10
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|
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|
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0.77
|
0.94
|
1.08
|
1.18
|
1.25
|
1.31
|
1.36
|
con't
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|
11
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|
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|
0.77
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0.94
|
1.08
|
1.16
|
1.23
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1.29
|
1.34
|
1.41
|
con't
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|
12
|
|
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0.77
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0.94
|
1.07
|
1.16
|
1.22
|
1.28
|
1.33
|
1.39
|
1.48
|
con't
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|
13
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|
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|
0.77
|
0.94
|
1.07
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1.15
|
1.21
|
1.27
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1.31
|
1.37
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1.46
|
1.55
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con't
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|
14
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0.77
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0.94
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1.07
|
1.13
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1.20
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1.25
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1.30
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1.36
|
1.44
|
1.52
|
1.61
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con't
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|
15
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|
0.77
|
0.94
|
1.07
|
1.13
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1.17
|
1.24
|
1.28
|
1.34
|
1.42
|
1.50
|
1.57
|
1.65
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con't
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|
16
|
0.77
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0.94
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1.07
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1.12
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1.17
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1.23
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1.28
|
1.32
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1.40
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1.47
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1.53
|
1.60
|
1.66
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con't
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17
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0.94
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1.06
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1.12
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1.16
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1.21
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1.26
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1.32
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1.38
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1.45
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1.49
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1.55
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1.60
|
1.64
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con't
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18
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1.04
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1.09
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1.13
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1.18
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1.23
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1.28
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1.35
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1.41
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1.46
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1.49
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1.53
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1.57
|
1.62
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con't
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19
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1.04
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1.09
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1.14
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1.18
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1.23
|
1.29
|
1.35
|
1.39
|
1.43
|
1.46
|
1.50
|
1.54
|
1.61
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con't
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|
20
|
1.02
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1.06
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1.11
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1.15
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1.21
|
1.27
|
1.31
|
1.34
|
1.39
|
1.42
|
1.47
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1.53
|
1.62
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con't
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21
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0.98
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1.02
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1.06
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1.12
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1.17
|
1.21
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1.26
|
1.29
|
1.34
|
1.40
|
1.46
|
1.54
|
1.65
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con't
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|
22
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0.93
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0.98
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1.03
|
1.09
|
1.14
|
1.19
|
1.23
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1.27
|
1.31
|
1.39
|
1.48
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1.57
|
1.70
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con't
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|
23
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0.88
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0.93
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1.00
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1.08
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1.13
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1.19
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1.22
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1.27
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1.34
|
1.43
|
1.53
|
1.64
|
1.78
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con't
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|
24
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0.79
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0.87
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0.98
|
1.08
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1.15
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1.20
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1.25
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1.31
|
1.39
|
1.50
|
1.61
|
1.73
|
1.89
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con't
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|
25
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0.72
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0.84
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0.98
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1.11
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1.18
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1.23
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1.29
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1.37
|
1.46
|
1.59
|
1.71
|
1.85
|
2.03
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con't
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|
26
|
0.69
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0.85
|
1.01
|
1.14
|
1.22
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1.28
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1.36
|
1.45
|
1.56
|
1.70
|
1.84
|
2.01
|
2.20
|
con't
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|
27
|
0.69
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0.88
|
1.05
|
1.18
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1.28
|
1.35
|
1.44
|
1.55
|
1.67
|
1.84
|
2.01
|
2.20
|
2.42
|
con't
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|
28
|
0.70
|
0.91
|
1.08
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1.22
|
1.35
|
1.43
|
1.54
|
1.66
|
1.80
|
2.00
|
2.20
|
2.42
|
2.68
|
con't
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|
29
|
0.71
|
0.93
|
1.10
|
1.26
|
1.42
|
1.54
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1.66
|
1.80
|
1.96
|
2.20
|
2.40
|
2.66
|
2.93
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con't
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|
30
|
0.71
|
0.94
|
1.12
|
1.31
|
1.48
|
1.65
|
1.80
|
1.95
|
2.13
|
2.36
|
2.58
|
2.87
|
3.20
|
con't
|
|
31
|
0.70
|
0.94
|
1.15
|
1.34
|
1.54
|
1.72
|
1.91
|
2.08
|
2.26
|
2.47
|
2.73
|
3.09
|
3.53
|
con't
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|
32
|
0.73
|
0.96
|
1.19
|
1.40
|
1.61
|
1.81
|
2.02
|
2.20
|
2.38
|
2.59
|
2.91
|
3.35
|
3.91
|
con't
|
|
33
|
0.78
|
1.02
|
1.26
|
1.48
|
1.71
|
1.93
|
2.15
|
2.35
|
2.54
|
2.79
|
3.17
|
3.68
|
4.28
|
con't
|
|
34
|
0.84
|
1.08
|
1.33
|
1.56
|
1.81
|
2.06
|
2.30
|
2.53
|
2.77
|
3.09
|
3.52
|
4.06
|
4.67
|
con't
|
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
con't
|
1 of 6
|
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|
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Male – Smoker – Age Last Birthday
|
|
|
Issue Age
|
Duration
|
Att Age
|
|
14
|
15
|
16
|
17
|
18
|
19
|
20
|
21
|
22
|
23
|
24
|
25
|
Ultimate
|
|
0
|
|
|
|
0.86
|
1.03
|
1.14
|
1.23
|
1.30
|
1.36
|
1.43
|
1.50
|
1.58
|
1.67
|
25
|
|
1
|
|
|
0.82
|
0.99
|
1.13
|
1.21
|
1.29
|
1.36
|
1.43
|
1.50
|
1.58
|
1.66
|
1.76
|
26
|
|
2
|
|
0.80
|
0.96
|
1.10
|
1.21
|
1.29
|
1.36
|
1.43
|
1.50
|
1.58
|
| |