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 M Female Smoker Select
& Ultimate Age Last Birthday
|
|
Female – Smoker – Age Last Birthday
|
|
|
Issue Age
|
Duration
|
|
|
1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
9
|
10
|
11
|
12
|
13
|
con't
|
|
0
|
|
|
|
|
|
|
|
|
|
|
|
|
|
con't
|
|
1
|
|
|
|
|
|
|
|
|
|
|
|
|
|
con't
|
|
2
|
|
|
|
|
|
|
|
|
|
|
|
|
|
con't
|
|
3
|
|
|
|
|
|
|
|
|
|
|
|
|
|
con't
|
|
4
|
|
|
|
|
|
|
|
|
|
|
|
|
0.40
|
con't
|
|
5
|
|
|
|
|
|
|
|
|
|
|
|
0.40
|
0.44
|
con't
|
|
6
|
|
|
|
|
|
|
|
|
|
|
0.39
|
0.43
|
0.47
|
con't
|
|
7
|
|
|
|
|
|
|
|
|
|
0.39
|
0.43
|
0.46
|
0.51
|
con't
|
|
8
|
|
|
|
|
|
|
|
|
0.38
|
0.42
|
0.46
|
0.49
|
0.54
|
con't
|
|
9
|
|
|
|
|
|
|
|
0.38
|
0.41
|
0.45
|
0.49
|
0.52
|
0.58
|
con't
|
|
10
|
|
|
|
|
|
|
0.37
|
0.41
|
0.44
|
0.48
|
0.51
|
0.56
|
0.61
|
con't
|
|
11
|
|
|
|
|
|
0.36
|
0.40
|
0.43
|
0.47
|
0.51
|
0.55
|
0.59
|
0.65
|
con't
|
|
12
|
|
|
|
|
0.36
|
0.39
|
0.42
|
0.46
|
0.49
|
0.54
|
0.58
|
0.63
|
0.69
|
con't
|
|
13
|
|
|
|
0.36
|
0.38
|
0.41
|
0.44
|
0.48
|
0.52
|
0.56
|
0.62
|
0.67
|
0.73
|
con't
|
|
14
|
|
|
0.36
|
0.38
|
0.40
|
0.43
|
0.47
|
0.50
|
0.55
|
0.59
|
0.66
|
0.71
|
0.77
|
con't
|
|
15
|
|
0.36
|
0.38
|
0.40
|
0.43
|
0.46
|
0.49
|
0.52
|
0.58
|
0.63
|
0.69
|
0.75
|
0.82
|
con't
|
|
16
|
0.36
|
0.38
|
0.40
|
0.42
|
0.44
|
0.48
|
0.51
|
0.56
|
0.62
|
0.67
|
0.73
|
0.81
|
0.88
|
con't
|
|
17
|
0.38
|
0.39
|
0.41
|
0.43
|
0.46
|
0.49
|
0.54
|
0.60
|
0.66
|
0.71
|
0.79
|
0.87
|
0.95
|
con't
|
|
18
|
0.38
|
0.40
|
0.42
|
0.45
|
0.48
|
0.52
|
0.58
|
0.64
|
0.70
|
0.76
|
0.85
|
0.94
|
1.03
|
con't
|
|
19
|
0.38
|
0.41
|
0.43
|
0.47
|
0.50
|
0.56
|
0.62
|
0.67
|
0.75
|
0.82
|
0.92
|
1.02
|
1.12
|
con't
|
|
20
|
0.37
|
0.40
|
0.44
|
0.48
|
0.53
|
0.60
|
0.66
|
0.72
|
0.81
|
0.89
|
0.99
|
1.10
|
1.20
|
con't
|
|
21
|
0.36
|
0.40
|
0.45
|
0.50
|
0.56
|
0.63
|
0.71
|
0.78
|
0.88
|
0.97
|
1.07
|
1.18
|
1.29
|
con't
|
|
22
|
0.35
|
0.39
|
0.46
|
0.52
|
0.59
|
0.67
|
0.75
|
0.85
|
0.95
|
1.05
|
1.15
|
1.28
|
1.38
|
con't
|
|
23
|
0.34
|
0.41
|
0.47
|
0.54
|
0.62
|
0.71
|
0.80
|
0.90
|
1.01
|
1.12
|
1.24
|
1.36
|
1.48
|
con't
|
|
24
|
0.34
|
0.42
|
0.49
|
0.57
|
0.66
|
0.76
|
0.86
|
0.96
|
1.08
|
1.20
|
1.32
|
1.43
|
1.56
|
con't
|
|
25
|
0.34
|
0.42
|
0.51
|
0.60
|
0.70
|
0.80
|
0.92
|
1.02
|
1.15
|
1.27
|
1.40
|
1.50
|
1.64
|
con't
|
|
26
|
0.35
|
0.44
|
0.54
|
0.63
|
0.74
|
0.85
|
0.96
|
1.08
|
1.21
|
1.34
|
1.46
|
1.58
|
1.73
|
con't
|
|
27
|
0.38
|
0.47
|
0.57
|
0.67
|
0.78
|
0.89
|
1.01
|
1.13
|
1.27
|
1.39
|
1.53
|
1.68
|
1.84
|
con't
|
|
28
|
0.41
|
0.51
|
0.61
|
0.71
|
0.82
|
0.94
|
1.06
|
1.19
|
1.32
|
1.46
|
1.61
|
1.78
|
1.96
|
con't
|
|
29
|
0.45
|
0.55
|
0.64
|
0.75
|
0.87
|
0.99
|
1.11
|
1.24
|
1.38
|
1.54
|
1.70
|
1.89
|
2.09
|
con't
|
|
30
|
0.49
|
0.59
|
0.68
|
0.80
|
0.91
|
1.04
|
1.16
|
1.30
|
1.45
|
1.63
|
1.81
|
2.02
|
2.27
|
con't
|
|
31
|
0.53
|
0.62
|
0.73
|
0.84
|
0.96
|
1.09
|
1.23
|
1.38
|
1.55
|
1.75
|
1.96
|
2.21
|
2.49
|
con't
|
|
32
|
0.56
|
0.66
|
0.76
|
0.89
|
1.01
|
1.16
|
1.31
|
1.48
|
1.67
|
1.90
|
2.16
|
2.44
|
2.76
|
con't
|
|
33
|
0.59
|
0.69
|
0.80
|
0.93
|
1.08
|
1.24
|
1.41
|
1.61
|
1.83
|
2.09
|
2.38
|
2.71
|
3.08
|
con't
|
|
34
|
0.60
|
0.72
|
0.84
|
0.99
|
1.15
|
1.33
|
1.53
|
1.77
|
2.03
|
2.32
|
2.65
|
3.03
|
3.45
|
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
|
|
|
Female – Smoker – Age Last Birthday
|
|
|
IssueAge
|
Duration
|
Att Age
|
|
14
|
15
|
16
|
17
|
18
|
19
|
20
|
21
|
22
|
23
|
24
|
25
|
Ultimate
|
|
0
|
|
|
|
0.43
|
0.47
|
0.51
|
0.56
|
0.59
|
0.63
|
0.66
|
0.69
|
0.73
|
0.79
|
25
|
|
1
|
|
|
0.42
|
0.47
|
0.51
|
0.54
|
0.59
|
0.63
|
0.66
|
0.69
|
0.73
|
0.77
|
0.84
|
26
|
|
2
|
|
0.41
|
0.46
|
0.50
|
0.54
|
0.57
|
0.62
|
0.66
|
0.69
|
0.73
|
0.77
|
0.83
|
0.89
|
| |