CHAPTER I: DEPARTMENT OF INSURANCE
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
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Female – Smoker – Age Last Birthday |
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|
Issue Age |
Duration |
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||||||||||||
|
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 |
27 |
|
3 |
0.41 |
0.45 |
0.48 |
0.53 |
0.57 |
0.61 |
0.65 |
0.69 |
0.73 |
0.77 |
0.83 |
0.89 |
0.95 |
28 |
|
4 |
0.44 |
0.48 |
0.52 |
0.56 |
0.61 |
0.65 |
0.69 |
0.73 |
0.77 |
0.83 |
0.89 |
0.95 |
1.01 |
29 |
|
5 |
0.47 |
0.52 |
0.56 |
0.60 |
0.65 |
0.69 |
0.73 |
0.77 |
0.83 |
0.88 |
0.95 |
1.00 |
1.07 |
30 |
|
6 |
0.51 |
0.55 |
0.60 |
0.63 |
0.69 |
0.73 |
0.77 |
0.82 |
0.88 |
0.94 |
0.99 |
1.05 |
1.15 |
31 |
|
7 |
0.54 |
0.59 |
0.63 |
0.67 |
0.73 |
0.77 |
0.82 |
0.88 |
0.94 |
0.99 |
1.05 |
1.14 |
1.23 |
32 |
|
8 |
0.58 |
0.62 |
0.67 |
0.72 |
0.77 |
0.81 |
0.88 |
0.94 |
0.99 |
1.05 |
1.14 |
1.22 |
1.33 |
33 |
|
9 |
0.61 |
0.66 |
0.72 |
0.76 |
0.81 |
0.87 |
0.94 |
0.99 |
1.05 |
1.14 |
1.22 |
1.33 |
1.46 |
34 |
|
10 |
0.65 |
0.71 |
0.76 |
0.80 |
0.86 |
0.94 |
0.99 |
1.05 |
1.13 |
1.22 |
1.32 |
1.45 |
1.59 |
35 |
|
11 |
0.69 |
0.75 |
0.80 |
0.86 |
0.92 |
0.99 |
1.05 |
1.13 |
1.21 |
1.31 |
1.44 |
1.57 |
1.72 |
36 |
|
12 |
0.74 |
0.78 |
0.86 |
0.92 |
0.98 |
1.05 |
1.13 |
1.21 |
1.31 |
1.44 |
1.57 |
1.69 |
1.83 |
37 |
|
13 |
0.78 |
0.84 |
0.92 |
0.98 |
1.05 |
1.13 |
1.21 |
1.31 |
1.44 |
1.57 |
1.68 |
1.81 |
1.94 |
38 |
|
14 |
0.83 |
0.91 |
0.98 |
1.05 |
1.13 |
1.21 |
1.31 |
1.44 |
1.56 |
1.68 |
1.79 |
1.92 |
2.06 |
39 |
|
15 |
0.89 |
0.97 |
1.05 |
1.13 |
1.21 |
1.31 |
1.44 |
1.56 |
1.67 |
1.79 |
1.92 |
2.05 |
2.19 |
40 |
|
16 |
0.96 |
1.05 |
1.13 |
1.21 |
1.31 |
1.44 |
1.56 |
1.67 |
1.79 |
1.92 |
2.05 |
2.18 |
2.34 |
41 |
|
17 |
1.04 |
1.13 |
1.21 |
1.31 |
1.44 |
1.56 |
1.67 |
1.79 |
1.92 |
2.05 |
2.18 |
2.34 |
2.53 |
42 |
|
18 |
1.13 |
1.21 |
1.31 |
1.44 |
1.56 |
1.67 |
1.79 |
1.92 |
2.05 |
2.18 |
2.34 |
2.53 |
2.74 |
43 |
|
19 |
1.21 |
1.31 |
1.44 |
1.56 |
1.67 |
1.79 |
1.92 |
2.05 |
2.18 |
2.34 |
2.53 |
2.74 |
2.99 |
44 |
|
20 |
1.31 |
1.42 |
1.56 |
1.67 |
1.79 |
1.91 |
2.05 |
2.18 |
2.34 |
2.53 |
2.74 |
2.99 |
3.28 |
45 |
|
21 |
1.41 |
1.53 |
1.65 |
1.77 |
1.91 |
2.04 |
2.18 |
2.34 |
2.53 |
2.74 |
2.99 |
3.28 |
3.62 |
46 |
|
22 |
1.51 |
1.62 |
1.75 |
1.88 |
2.03 |
2.17 |
2.34 |
2.53 |
2.74 |
2.99 |
3.28 |
3.62 |
4.04 |
47 |
|
23 |
1.59 |
1.71 |
1.86 |
1.99 |
2.15 |
2.33 |
2.53 |
2.74 |
2.99 |
3.28 |
3.62 |
4.04 |
4.54 |
48 |
|
24 |
1.68 |
1.81 |
1.97 |
2.12 |
2.30 |
2.52 |
2.74 |
2.99 |
3.28 |
3.62 |
4.04 |
4.54 |
5.10 |
49 |
|
25 |
1.78 |
1.92 |
2.09 |
2.28 |
2.48 |
2.74 |
2.99 |
3.28 |
3.62 |
4.04 |
4.54 |
5.10 |
5.70 |
50 |
|
26 |
1.89 |
2.05 |
2.24 |
2.47 |
2.71 |
2.99 |
3.28 |
3.62 |
4.04 |
4.54 |
5.10 |
5.70 |
6.36 |
51 |
|
27 |
2.01 |
2.20 |
2.43 |
2.68 |
2.97 |
3.28 |
3.62 |
4.04 |
4.54 |
5.10 |
5.70 |
6.36 |
7.07 |
52 |
|
28 |
2.15 |
2.38 |
2.65 |
2.94 |
3.27 |
3.62 |
4.04 |
4.54 |
5.10 |
5.70 |
6.36 |
7.07 |
7.84 |
53 |
|
29 |
2.33 |
2.60 |
2.90 |
3.26 |
3.62 |
4.04 |
4.54 |
5.10 |
5.70 |
6.36 |
7.07 |
7.84 |
8.66 |
54 |
|
30 |
2.55 |
2.86 |
3.21 |
3.62 |
4.04 |
4.54 |
5.10 |
5.70 |
6.36 |
7.07 |
7.84 |
8.66 |
9.53 |
55 |
|
31 |
2.81 |
3.18 |
3.58 |
4.04 |
4.54 |
5.10 |
5.70 |
6.36 |
7.07 |
7.84 |
8.66 |
9.53 |
10.46 |
56 |
|
32 |
3.12 |
3.54 |
4.00 |
4.52 |
5.10 |
5.70 |
6.36 |
7.07 |
7.84 |
8.66 |
9.53 |
10.46 |
11.40 |
57 |
|
33 |
3.49 |
3.95 |
4.48 |
5.05 |
5.70 |
6.36 |
7.07 |
7.84 |
8.66 |
9.53 |
10.46 |
11.40 |
12.38 |
58 |
|
34 |
3.91 |
4.42 |
5.01 |
5.65 |
6.36 |
7.07 |
7.84 |
8.66 |
9.53 |
10.46 |
11.40 |
12.38 |
13.43 |
59 |
|
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 |
2 of 6 |
|
|
Female – Smoker – Age Last Birthday |
|
||||||||||||
|
Issue Age |
Duration |
|
||||||||||||
|
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
13 |
con't |
|
|
35 |
0.62 |
0.75 |
0.89 |
1.06 |
1.24 |
1.45 |
1.69 |
1.96 |
2.25 |
2.58 |
2.95 |
3.37 |
3.85 |
con't |
|
36 |
0.65 |
0.79 |
0.95 |
1.14 |
1.34 |
1.58 |
1.86 |
2.16 |
2.49 |
2.87 |
3.28 |
3.74 |
4.26 |
con't |
|
37 |
0.69 |
0.85 |
1.02 |
1.23 |
1.47 |
1.74 |
2.05 |
2.39 |
2.77 |
3.18 |
3.64 |
4.15 |
4.71 |
con't |
|
38 |
0.75 |
0.92 |
1.11 |
1.35 |
1.62 |
1.92 |
2.27 |
2.65 |
3.06 |
3.53 |
4.04 |
4.59 |
5.20 |
con't |
|
39 |
0.82 |
1.01 |
1.23 |
1.50 |
1.80 |
2.13 |
2.52 |
2.94 |
3.39 |
3.91 |
4.46 |
5.07 |
5.72 |
con't |
|
40 |
0.91 |
1.12 |
1.38 |
1.67 |
2.00 |
2.38 |
2.79 |
3.25 |
3.76 |
4.32 |
4.92 |
5.58 |
6.30 |
con't |
|
41 |
1.01 |
1.26 |
1.55 |
1.88 |
2.24 |
2.65 |
3.10 |
3.61 |
4.16 |
4.78 |
5.43 |
6.15 |
6.93 |
con't |
|
42 |
1.13 |
1.42 |
1.75 |
2.12 |
2.53 |
2.97 |
3.47 |
4.02 |
4.62 |
5.28 |
5.99 |
6.76 |
7.60 |
con't |
|
43 |
1.28 |
1.61 |
1.98 |
2.40 |
2.85 |
3.34 |
3.88 |
4.48 |
5.13 |
5.83 |
6.60 |
7.43 |
8.34 |
con't |
|
44 |
1.44 |
1.82 |
2.25 |
2.71 |
3.21 |
3.76 |
4.34 |
4.99 |
5.69 |
6.45 |
7.26 |
8.16 |
9.13 |
con't |
|
45 |
1.60 |
2.05 |
2.53 |
3.03 |
3.59 |
4.19 |
4.83 |
5.52 |
6.29 |
7.09 |
7.97 |
8.93 |
9.96 |
con't |
|
46 |
1.79 |
2.29 |
2.81 |
3.37 |
3.99 |
4.64 |
5.34 |
6.08 |
6.90 |
7.77 |
8.70 |
9.73 |
10.82 |
con't |
|
47 |
2.00 |
2.54 |
3.11 |
3.74 |
4.39 |
5.10 |
5.84 |
6.66 |
7.53 |
8.46 |
9.47 |
10.55 |
11.72 |
con't |
|
48 |
2.16 |
2.75 |
3.42 |
4.10 |
4.80 |
5.56 |
6.36 |
7.23 |
8.16 |
9.16 |
10.25 |
11.41 |
12.67 |
con't |
|
49 |
2.28 |
2.98 |
3.73 |
4.44 |
5.20 |
6.00 |
6.86 |
7.79 |
8.79 |
9.87 |
11.03 |
12.29 |
13.64 |
con't |
|
50 |
2.42 |
3.33 |
4.07 |
4.79 |
5.59 |
6.43 |
7.35 |
8.35 |
9.42 |
10.59 |
11.83 |
13.20 |
14.66 |
con't |
|
51 |
2.58 |
3.72 |
4.45 |
5.17 |
5.99 |
6.88 |
7.85 |
8.90 |
10.07 |
11.32 |
12.67 |
14.14 |
15.73 |
con't |
|
52 |
2.75 |
4.08 |
4.83 |
5.56 |
6.39 |
7.32 |
8.34 |
9.47 |
10.71 |
12.08 |
13.54 |
15.14 |
16.87 |
con't |
|
53 |
2.94 |
4.41 |
5.23 |
5.96 |
6.81 |
7.78 |
8.87 |
10.07 |
11.40 |
12.87 |
14.47 |
16.23 |
18.12 |
con't |
|
54 |
3.12 |
4.76 |
5.67 |
6.40 |
7.28 |
8.29 |
9.45 |
10.72 |
12.15 |
13.75 |
15.50 |
17.43 |
19.51 |
con't |
|
55 |
3.35 |
5.09 |
6.09 |
6.84 |
7.75 |
8.80 |
10.02 |
11.38 |
12.94 |
14.67 |
16.59 |
18.70 |
21.00 |
con't |
|
56 |
3.57 |
5.37 |
6.49 |
7.27 |
8.22 |
9.33 |
10.63 |
12.10 |
13.78 |
15.65 |
17.73 |
20.05 |
22.60 |
con't |
|
57 |
3.68 |
5.67 |
6.91 |
7.73 |
8.76 |
9.95 |
11.34 |
12.94 |
14.75 |
16.79 |
19.05 |
21.59 |
24.39 |
con't |
|
58 |
3.84 |
5.96 |
7.34 |
8.24 |
9.33 |
10.64 |
12.14 |
13.89 |
15.86 |
18.11 |
20.58 |
23.35 |
26.43 |
con't |
|
59 |
4.03 |
6.21 |
7.78 |
8.74 |
9.92 |
11.37 |
13.02 |
14.94 |
17.11 |
19.58 |
22.32 |
25.36 |
28.74 |
con't |
|
60 |
4.18 |
6.47 |
8.18 |
9.22 |
10.53 |
12.12 |
13.96 |
16.08 |
18.50 |
21.23 |
24.25 |
27.61 |
31.33 |
con't |
|
61 |
4.37 |
6.73 |
8.57 |
9.69 |
11.12 |
12.87 |
14.91 |
17.27 |
19.98 |
23.02 |
26.40 |
30.13 |
34.24 |
con't |
|
62 |
4.68 |
6.99 |
8.94 |
10.13 |
11.68 |
13.61 |
15.88 |
18.52 |
21.55 |
24.98 |
28.75 |
32.91 |
37.51 |
con't |
|
63 |
5.09 |
7.89 |
9.29 |
10.56 |
12.23 |
14.34 |
16.88 |
19.84 |
23.24 |
27.09 |
31.31 |
35.99 |
41.10 |
con't |
|
64 |
5.56 |
8.85 |
9.66 |
10.98 |
12.79 |
15.11 |
17.93 |
21.24 |
25.05 |
29.38 |
34.12 |
39.35 |
45.04 |
con't |
|
65 |
5.92 |
9.27 |
10.06 |
11.42 |
13.38 |
15.91 |
19.01 |
22.68 |
26.91 |
31.71 |
36.98 |
42.77 |
49.07 |
con't |
|
66 |
6.10 |
9.73 |
10.49 |
11.93 |
14.04 |
16.80 |
20.19 |
24.21 |
28.85 |
34.09 |
39.89 |
46.23 |
53.14 |
con't |
|
67 |
6.46 |
10.22 |
11.00 |
12.55 |
14.84 |
17.85 |
21.56 |
25.95 |
31.02 |
36.72 |
43.06 |
50.00 |
57.54 |
con't |
|
68 |
7.07 |
10.75 |
11.61 |
13.31 |
15.81 |
19.10 |
23.15 |
27.94 |
33.44 |
39.63 |
46.52 |
54.05 |
62.23 |
con't |
|
69 |
7.72 |
11.32 |
12.31 |
14.20 |
16.97 |
20.58 |
25.01 |
30.21 |
36.17 |
42.84 |
50.29 |
58.42 |
67.19 |
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 |
3 of 6 |
|
|
Female – Smoker – Age Last Birthday |
|
||||||||||||
|
IssueAge |
Duration |
Att Age |
||||||||||||
|
14 |
15 |
16 |
17 |
18 |
19 |
20 |
21 |
22 |
23 |
24 |
25 |
Ultimate |
||
|
35 |
4.35 |
4.92 |
5.57 |
6.27 |
7.07 |
7.84 |
8.66 |
9.53 |
10.46 |
11.40 |
12.38 |
13.43 |
14.52 |
60 |
|
36 |
4.82 |
5.44 |
6.13 |
6.89 |
7.84 |
8.62 |
9.53 |
10.46 |
11.40 |
12.38 |
13.43 |
14.52 |
15.70 |
61 |
|
37 |
5.32 |
5.99 |
6.74 |
7.55 |
8.53 |
9.41 |
10.43 |
11.40 |
12.38 |
13.43 |
14.52 |
15.70 |
16.95 |
62 |
|
38 |
5.86 |
6.58 |
7.40 |
8.26 |
9.21 |
10.23 |
11.33 |
12.36 |
13.43 |
14.52 |
15.70 |
16.95 |
18.23 |
63 |
|
39 |
6.45 |
7.23 |
8.09 |
9.02 |
10.03 |
11.11 |
12.27 |
13.36 |
14.52 |
15.69 |
16.95 |
18.23 |
19.61 |
64 |
|
40 |
7.08 |
7.93 |
8.85 |
9.85 |
10.91 |
12.04 |
13.26 |
14.43 |
15.67 |
16.93 |
18.23 |
19.61 |
21.10 |
65 |
|
41 |
7.77 |
8.69 |
9.67 |
10.73 |
11.85 |
13.05 |
14.32 |
15.58 |
16.89 |
18.23 |
19.61 |
21.10 |
22.72 |
66 |
|
42 |
8.51 |
9.50 |
10.55 |
11.67 |
12.86 |
14.12 |
15.45 |
16.80 |
18.18 |
19.59 |
21.08 |
22.71 |
24.52 |
67 |
|
43 |
9.31 |
10.37 |
11.49 |
12.68 |
13.94 |
15.27 |
16.66 |
18.08 |
19.51 |
21.02 |
22.67 |
24.47 |
26.49 |
68 |
|
44 |
10.17 |
11.29 |
12.49 |
13.75 |
15.09 |
16.49 |
17.94 |
19.40 |
20.92 |
22.59 |
24.40 |
26.40 |
28.66 |
69 |
|
45 |
11.07 |
12.27 |
13.53 |
14.88 |
16.31 |
17.80 |
19.27 |
20.80 |
22.47 |
24.30 |
26.30 |
28.53 |
31.11 |
70 |
|
46 |
12.00 |
13.28 |
14.62 |
16.06 |
17.58 |
19.19 |
20.66 |
22.34 |
24.17 |
26.17 |
28.41 |
30.94 |
33.85 |
71 |
|
47 |
12.98 |
14.34 |
15.78 |
17.30 |
18.93 |
20.58 |
22.17 |
24.01 |
26.02 |
28.26 |
30.80 |
33.63 |
36.83 |
72 |
|
48 |
14.02 |
15.47 |
17.01 |
18.63 |
20.39 |
22.06 |
23.81 |
25.80 |
28.06 |
30.60 |
33.45 |
36.55 |
40.08 |
73 |
|
49 |
15.10 |
16.67 |
18.31 |
20.08 |
21.97 |
23.74 |
25.55 |
27.79 |
30.34 |
33.16 |
36.26 |
39.65 |
43.48 |
74 |
|
50 |
16.23 |
17.93 |
19.72 |
21.63 |
23.67 |
25.42 |
27.52 |
30.05 |
32.85 |
35.90 |
39.26 |
42.92 |
47.05 |
75 |
|
51 |
17.43 |
19.28 |
21.24 |
23.33 |
25.26 |
27.26 |
29.77 |
32.54 |
35.56 |
38.86 |
42.49 |
46.44 |
50.91 |
76 |
|
52 |
18.73 |
20.75 |
22.89 |
24.96 |
27.00 |
29.49 |
32.25 |
35.26 |
38.48 |
42.06 |
45.96 |
50.23 |
55.07 |
77 |
|
53 |
20.18 |
22.39 |
24.60 |
26.75 |
29.21 |
31.95 |
34.96 |
38.20 |
41.64 |
45.50 |
49.71 |
54.33 |
59.56 |
78 |
|
54 |
21.78 |
24.23 |
26.48 |
28.94 |
31.66 |
34.66 |
37.92 |
41.39 |
45.05 |
49.22 |
53.76 |
58.74 |
64.39 |
79 |
|
55 |
23.51 |
26.23 |
28.67 |
31.39 |
34.37 |
37.63 |
41.15 |
44.85 |
48.78 |
53.27 |
58.17 |
63.53 |
70.41 |
80 |
|
56 |
25.38 |
28.40 |
31.10 |
34.09 |
37.36 |
40.90 |
44.66 |
48.67 |
52.98 |
57.70 |
62.97 |
68.71 |
77.77 |
81 |
|
57 |
27.47 |
30.82 |
33.79 |
37.08 |
40.65 |
44.48 |
48.56 |
52.85 |
57.52 |
62.48 |
68.13 |
74.28 |
85.35 |
82 |
|
58 |
29.81 |
33.51 |
36.79 |
40.39 |
44.28 |
48.44 |
52.72 |
57.32 |
62.31 |
67.64 |
73.68 |
80.28 |
93.09 |
83 |
|
59 |
32.44 |
36.52 |
40.14 |
44.08 |
48.32 |
52.57 |
57.11 |
62.09 |
67.43 |
73.11 |
79.51 |
86.49 |
101.15 |
84 |
|
60 |
35.42 |
39.90 |
43.89 |
48.21 |
52.44 |
56.91 |
61.87 |
67.19 |
72.85 |
79.07 |
85.59 |
93.49 |
108.60 |
85 |
|
61 |
38.77 |
43.70 |
48.09 |
52.31 |
56.71 |
61.66 |
66.95 |
72.59 |
78.83 |
85.35 |
92.75 |
100.73 |
117.21 |
86 |
|
62 |
42.52 |
47.97 |
52.19 |
56.52 |
61.46 |
66.73 |
72.33 |
78.59 |
85.08 |
92.33 |
100.06 |
107.59 |
127.89 |
87 |
|
63 |
46.68 |
52.04 |
56.32 |
61.25 |
66.51 |
72.08 |
78.34 |
84.80 |
91.84 |
99.45 |
106.82 |
114.98 |
138.58 |
88 |
|
64 |
51.24 |
56.12 |
61.02 |
66.27 |
71.81 |
78.09 |
84.54 |
91.34 |
98.76 |
106.10 |
114.40 |
122.96 |
148.36 |
89 |
|
65 |
55.91 |
60.80 |
66.04 |
71.54 |
77.83 |
84.26 |
90.87 |
98.12 |
105.31 |
113.67 |
122.45 |
131.45 |
153.92 |
90 |
|
66 |
60.60 |
65.81 |
71.30 |
77.60 |
84.00 |
90.43 |
97.45 |
104.62 |
112.83 |
121.77 |
130.69 |
140.25 |
158.48 |
91 |
|
67 |
65.61 |
71.07 |
77.07 |
83.74 |
89.97 |
96.88 |
103.92 |
112.06 |
120.92 |
129.90 |
139.43 |
149.80 |
168.33 |
92 |
|
68 |
70.83 |
76.48 |
82.86 |
89.33 |
96.25 |
103.25 |
111.21 |
120.04 |
128.97 |
138.50 |
149.01 |
160.09 |
182.27 |
93 |
|
69 |
75.84 |
81.80 |
88.27 |
95.19 |
102.56 |
110.24 |
118.97 |
128.09 |
137.78 |
148.14 |
159.36 |
170.86 |
201.70 |
94 |
|
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 |
4 of 6 |
|
|
Female – Smoker – Age Last Birthday |
5 of 6 |
||||||||||||
|
Issue Age |
Duration |
|
||||||||||||
|
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
13 |
con't |
|
|
70 |
8.46 |
11.95 |
13.13 |
15.27 |
18.36 |
22.32 |
27.15 |
32.79 |
39.21 |
46.35 |
54.35 |
63.10 |
72.48 |
con't |
|
71 |
10.52 |
12.64 |
14.08 |
16.52 |
19.97 |
24.33 |
29.60 |
35.69 |
42.55 |
50.15 |
58.73 |
68.04 |
78.01 |
con't |
|
72 |
12.53 |
13.41 |
15.16 |
17.98 |
21.83 |
26.63 |
32.34 |
38.89 |
46.21 |
54.23 |
63.38 |
73.24 |
83.74 |
con't |
|
73 |
13.27 |
14.33 |
16.45 |
19.70 |
23.98 |
29.25 |
35.41 |
42.39 |
50.16 |
58.59 |
68.27 |
78.68 |
89.23 |
con't |
|
74 |
14.07 |
15.45 |
18.01 |
21.69 |
26.44 |
32.17 |
38.77 |
46.22 |
54.37 |
63.19 |
73.38 |
84.31 |
92.83 |
con't |
|
75 |
15.10 |
16.93 |
19.99 |
24.20 |
29.48 |
35.75 |
42.92 |
50.90 |
59.59 |
68.95 |
79.77 |
90.00 |
98.15 |
con't |
|
76 |
16.55 |
18.89 |
22.51 |
27.32 |
33.22 |
40.14 |
47.98 |
56.64 |
66.06 |
76.14 |
87.76 |
96.75 |
105.47 |
con't |
|
77 |
18.48 |
21.37 |
25.54 |
30.96 |
37.52 |
45.10 |
53.61 |
62.99 |
73.14 |
83.98 |
95.41 |
104.27 |
113.95 |
con't |
|
78 |
20.00 |
24.44 |
29.21 |
35.22 |
42.42 |
50.68 |
59.87 |
69.99 |
80.87 |
92.49 |
103.10 |
113.25 |
125.00 |
con't |
|
79 |
21.00 |
28.23 |
33.57 |
40.18 |
47.99 |
56.93 |
66.81 |
77.63 |
89.27 |
101.64 |
112.54 |
124.03 |
135.53 |
con't |
|
80 |
22.79 |
32.82 |
38.68 |
45.87 |
54.29 |
63.90 |
74.44 |
85.97 |
98.36 |
111.51 |
123.06 |
134.82 |
146.90 |
con't |
|
81 |
25.40 |
38.26 |
44.63 |
52.36 |
61.38 |
71.57 |
82.79 |
95.04 |
108.14 |
122.09 |
134.06 |
146.35 |
159.33 |
con't |
|
82 |
28.22 |
43.95 |
51.45 |
59.69 |
69.25 |
80.05 |
91.87 |
104.78 |
118.62 |
133.35 |
145.78 |
158.88 |
172.49 |
con't |
|
83 |
31.85 |
50.52 |
59.19 |
67.86 |
77.94 |
89.31 |
101.70 |
115.25 |
129.81 |
145.32 |
158.34 |
172.08 |
186.38 |
con't |
|
84 |
37.32 |
58.69 |
67.15 |
76.92 |
87.45 |
99.33 |
112.29 |
126.43 |
141.69 |
157.92 |
171.63 |
185.96 |
201.73 |
con't |
|
85 |
46.41 |
66.43 |
75.92 |
86.85 |
97.77 |
110.87 |
123.63 |
138.32 |
154.29 |
171.29 |
185.63 |
201.13 |
218.57 |
con't |
|
86 |
54.88 |
74.91 |
86.25 |
97.49 |
109.97 |
123.17 |
135.64 |
150.92 |
167.50 |
185.35 |
200.57 |
217.15 |
236.97 |
con't |
|
87 |
64.36 |
85.68 |
97.19 |
109.66 |
122.76 |
135.21 |
148.27 |
164.09 |
181.32 |
199.93 |
216.18 |
233.86 |
256.03 |
con't |
|
88 |
79.50 |
96.95 |
109.34 |
122.34 |
134.82 |
147.89 |
161.60 |
177.93 |
195.72 |
215.05 |
232.27 |
251.28 |
274.68 |
con't |
|
89 |
94.97 |
109.03 |
121.94 |
134.42 |
147.56 |
161.24 |
175.59 |
192.42 |
210.72 |
230.72 |
249.06 |
268.74 |
294.40 |
con't |
|
90 |
108.74 |
121.52 |
134.08 |
147.18 |
160.88 |
175.18 |
190.80 |
207.36 |
226.25 |
246.99 |
266.08 |
287.45 |
313.54 |
con't |
|
91 |
121.15 |
133.76 |
146.92 |
160.57 |
174.74 |
190.25 |
206.64 |
222.84 |
242.21 |
263.63 |
282.91 |
305.74 |
327.94 |
con't |
|
92 |
133.45 |
146.62 |
160.28 |
174.40 |
189.68 |
205.91 |
221.97 |
238.82 |
258.80 |
278.81 |
298.45 |
319.77 |
344.19 |
con't |
|
93 |
146.33 |
160.01 |
174.01 |
189.15 |
205.20 |
221.18 |
237.74 |
255.63 |
274.19 |
292.10 |
312.16 |
335.56 |
363.21 |
con't |
|
94 |
159.70 |
173.71 |
188.66 |
204.61 |
220.50 |
236.89 |
254.61 |
271.25 |
287.43 |
305.61 |
327.76 |
354.23 |
382.93 |
con't |
|
95 |
173.37 |
188.03 |
203.99 |
219.88 |
236.17 |
253.79 |
270.39 |
284.33 |
300.80 |
321.14 |
346.18 |
373.59 |
403.37 |
con't |
|
96 |
187.28 |
202.96 |
219.20 |
235.39 |
252.91 |
269.70 |
283.48 |
297.65 |
316.08 |
339.44 |
365.30 |
393.66 |
424.51 |
con't |
|
97 |
201.61 |
217.90 |
234.66 |
252.07 |
268.88 |
282.85 |
296.74 |
312.96 |
334.38 |
358.43 |
385.13 |
414.44 |
446.35 |
con't |
|
98 |
216.23 |
233.05 |
251.34 |
268.05 |
282.10 |
296.44 |
312.23 |
331.43 |
353.41 |
378.15 |
405.66 |
435.91 |
468.89 |
con't |
|
99 |
232.02 |
250.34 |
267.67 |
281.68 |
295.99 |
312.23 |
331.11 |
351.70 |
375.10 |
401.30 |
430.29 |
462.04 |
496.54 |
con't |
|
|
Female – Smoker – Age Last Birthday |
6 of 6 |
||||||||||||
|
IssueAge |
Duration |
Att Age |
||||||||||||
|
14 |
15 |
16 |
17 |
18 |
19 |
20 |
21 |
22 |
23 |
24 |
25 |
Ultimate |
||
|
70 |
80.68 |
87.04 |
93.91 |
101.30 |
109.15 |
117.63 |
126.66 |
136.72 |
147.54 |
158.59 |
170.10 |
183.39 |
224.62 |
95 |
|
71 |
85.73 |
91.20 |
99.81 |
107.67 |
116.05 |
125.06 |
134.65 |
145.77 |
157.80 |
169.36 |
182.21 |
198.08 |
246.45 |
96 |
|
72 |
90.26 |
94.13 |
105.94 |
114.28 |
123.20 |
132.77 |
142.96 |
155.27 |
168.58 |
181.14 |
195.97 |
214.84 |
259.40 |
97 |
|
73 |
93.47 |
101.09 |
112.29 |
121.12 |
130.58 |
140.78 |
151.64 |
165.29 |
180.11 |
194.04 |
212.25 |
233.23 |
264.59 |
98 |
|
74 |
99.56 |
108.02 |
119.45 |
129.00 |
139.20 |
150.15 |
162.71 |
175.83 |
192.37 |
209.08 |
230.32 |
252.00 |
278.57 |
99 |
|
75 |
106.68 |
115.43 |
127.96 |
138.45 |
149.56 |
162.21 |
175.23 |
189.24 |
207.37 |
227.29 |
249.18 |
273.22 |
297.48 |
100 |
|
76 |
114.69 |
126.98 |
137.68 |
149.02 |
161.76 |
174.88 |
188.77 |
206.48 |
226.11 |
247.77 |
271.47 |
295.22 |
317.92 |
101 |
|
77 |
125.96 |
136.96 |
148.48 |
161.25 |
174.53 |
188.48 |
205.79 |
225.34 |
246.71 |
270.19 |
293.74 |
316.21 |
340.13 |
102 |
|
78 |
136.19 |
147.95 |
160.80 |
174.04 |
188.19 |
205.29 |
224.40 |
245.98 |
269.27 |
292.62 |
314.94 |
338.88 |
364.04 |
103 |
|
79 |
147.37 |
160.36 |
173.69 |
187.74 |
204.71 |
223.55 |
244.65 |
268.60 |
291.81 |
314.23 |
338.04 |
363.46 |
391.63 |
104 |
|
80 |
159.78 |
173.28 |
187.45 |
204.02 |
222.60 |
243.29 |
266.68 |
291.38 |
313.64 |
337.57 |
363.26 |
391.63 |
423.44 |
105 |
|
81 |
172.84 |
186.97 |
203.49 |
221.53 |
241.91 |
264.70 |
288.81 |
313.24 |
337.27 |
363.07 |
391.63 |
423.44 |
455.99 |
106 |
|
82 |
186.67 |
202.79 |
220.66 |
240.49 |
263.13 |
286.75 |
310.54 |
336.79 |
362.88 |
391.63 |
423.44 |
455.99 |
489.10 |
107 |
|
83 |
202.29 |
219.72 |
239.64 |
262.28 |
285.97 |
309.36 |
334.87 |
362.68 |
391.63 |
423.44 |
455.99 |
489.10 |
522.77 |
108 |
|
84 |
219.01 |
239.04 |
262.01 |
285.95 |
309.36 |
334.53 |
361.91 |
391.63 |
423.44 |
455.99 |
489.10 |
522.77 |
557.56 |
109 |
|
85 |
238.58 |
262.01 |
285.95 |
309.36 |
334.53 |
361.91 |
391.63 |
423.44 |
455.99 |
489.10 |
522.77 |
557.56 |
592.43 |
110 |
|
86 |
261.55 |
285.95 |
309.36 |
334.53 |
361.91 |
391.63 |
423.28 |
455.83 |
489.10 |
522.77 |
557.56 |
592.43 |
626.05 |
111 |
|
87 |
282.52 |
307.00 |
332.28 |
359.36 |
388.52 |
420.12 |
452.55 |
486.27 |
520.92 |
556.61 |
592.43 |
626.05 |
658.15 |
112 |
|
88 |
299.85 |
325.43 |
352.52 |
381.08 |
411.65 |
443.83 |
477.64 |
513.04 |
550.01 |
588.56 |
626.05 |
658.15 |
691.12 |
113 |
|
89 |
317.25 |
343.76 |
372.02 |
402.35 |
434.39 |
468.14 |
503.58 |
540.70 |
579.45 |
619.85 |
658.15 |
691.12 |
732.34 |
114 |
|
90 |
334.92 |
362.69 |
392.63 |
424.38 |
457.93 |
493.27 |
530.37 |
569.23 |
609.82 |
652.11 |
691.02 |
732.34 |
771.59 |
115 |
|
91 |
353.33 |
382.70 |
413.98 |
447.17 |
482.25 |
519.20 |
558.01 |
598.65 |
641.09 |
685.31 |
731.27 |
771.59 |
812.54 |
116 |
|
92 |
372.80 |
403.43 |
436.08 |
470.73 |
507.35 |
545.94 |
586.48 |
628.93 |
673.27 |
719.46 |
767.45 |
812.54 |
856.04 |
117 |
|
93 |
392.99 |
424.90 |
458.92 |
495.04 |
533.24 |
573.49 |
615.79 |
660.08 |
706.35 |
754.53 |
804.59 |
856.04 |
896.68 |
118 |
|
94 |
413.89 |
447.09 |
482.49 |
520.10 |
559.90 |
601.84 |
645.92 |
692.09 |
740.30 |
790.52 |
842.67 |
896.68 |
939.11 |
119 |
|
95 |
435.51 |
469.99 |
506.80 |
545.92 |
587.33 |
630.99 |
676.87 |
724.94 |
775.14 |
827.41 |
881.68 |
939.11 |
1,000.00 |
120 |
|
96 |
457.83 |
493.62 |
531.84 |
572.49 |
615.52 |
660.92 |
708.64 |
758.63 |
810.84 |
865.19 |
924.54 |
1,000.00 |
|
|
|
97 |
480.87 |
517.96 |
557.62 |
599.80 |
644.49 |
691.64 |
741.21 |
793.16 |
847.39 |
909.18 |
1,000.00 |
|
|
|
|
98 |
504.61 |
543.02 |
584.11 |
627.85 |
674.21 |
723.13 |
774.58 |
828.49 |
893.30 |
1,000.00 |
|
|
|
|
|
99 |
533.77 |
573.68 |
616.27 |
661.48 |
709.25 |
759.54 |
812.26 |
877.16 |
1,000.00 |
|
|
|
|
|