TITLE 50: INSURANCE
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 N   Ultimate Age Last Birthday (Male/Female Composite/ Nonsmoker/Smoker)

 

Ultimate Only – Age Last Birthday

1 of 4

Attained

Age

Male

Female

Composite

Nonsmoker

Smoker

Composite

Nonsmoker

Smoker

0

0.72

 

 

0.42

 

 

1

0.46

 

 

0.31

 

 

2

0.33

 

 

0.23

 

 

3

0.24

 

 

0.20

 

 

4

0.21

 

 

0.19

 

 

5

0.21

 

 

0.18

 

 

6

0.22

 

 

0.19

 

 

7

0.22

 

 

0.21

 

 

8

0.22

 

 

0.21

 

 

9

0.23

 

 

0.21

 

 

10

0.24

 

 

0.22

 

 

11

0.28

 

 

0.25

 

 

12

0.34

 

 

0.27

 

 

13

0.40

 

 

0.31

 

 

14

0.52

 

 

0.34

 

 

15

0.66

 

 

0.36

 

 

16

0.78

0.77

0.86

0.39

0.39

0.43

17

0.89

0.87

1.03

0.41

0.41

0.47

18

0.95

0.92

1.14

0.44

0.43

0.51

19

0.98

0.94

1.23

0.46

0.45

0.56

20

1.00

0.95

1.30

0.47

0.45

0.59

21

1.01

0.95

1.36

0.49

0.47

0.63

22

1.02

0.95

1.43

0.50

0.48

0.66

23

1.04

0.96

1.50

0.51

0.48

0.69

24

1.06

0.97

1.58

0.53

0.50

0.73

25

1.09

1.00

1.67

0.55

0.51

0.79

26

1.14

1.04

1.76

0.58

0.55

0.84

27

1.17

1.06

1.81

0.61

0.57

0.89

28

1.16

1.04

1.82

0.64

0.60

0.95

29

1.15

1.03

1.81

0.67

0.63

1.01

30

1.14

1.02

1.80

0.70

0.66

1.07

31

1.13

1.01

1.81

0.75

0.70

1.15

32

1.14

1.02

1.84

0.79

0.74

1.23

33

1.16

1.05

1.90

0.85

0.79

1.33

34

1.19

1.07

1.97

0.92

0.85

1.46

con't

con't

con't

con't

con't

con't

con't


 

Ultimate Only – Age Last Birthday

2 of 4

Attained

Age

Male

Female

Composite

Nonsmoker

Smoker

Composite

Nonsmoker

Smoker

35

1.24

1.12

2.05

1.00

0.92

1.59

36

1.31

1.17

2.17

1.07

0.99

1.72

37

1.39

1.24

2.31

1.14

1.05

1.83

38

1.49

1.33

2.48

1.20

1.10

1.94

39

1.59

1.41

2.67

1.26

1.16

2.06

40

1.72

1.52

2.90

1.34

1.23

2.19

41

1.87

1.65

3.18

1.43

1.31

2.34

42

2.05

1.81

3.51

1.53

1.40

2.53

43

2.27

2.00

3.90

1.65

1.51

2.74

44

2.52

2.21

4.34

1.79

1.64

2.99

45

2.77

2.44

4.78

1.96

1.79

3.28

46

3.03

2.67

5.22

2.16

1.97

3.62

47

3.25

2.86

5.59

2.38

2.18

4.04

48

3.42

3.01

5.87

2.64

2.41

4.54

49

3.64

3.20

6.23

2.93

2.67

5.10

50

3.91

3.45

6.70

3.24

2.96

5.70

51

4.26

3.77

7.31

3.60

3.29

6.36

52

4.70

4.16

8.05

3.99

3.66

7.07

53

5.21

4.61

8.94

4.41

4.05

7.84

54

5.83

5.18

10.00

4.86

4.46

8.66

55

6.52

5.82

11.13

5.36

4.93

9.53

56

7.26

6.48

12.30

5.91

5.44

10.46

57

7.95

7.12

13.38

6.49

5.98

11.40

58

8.63

7.76

14.41

7.09

6.54

12.38

59

9.42

8.51

15.62

7.70

7.11

13.43

60

10.40

9.42

17.11

8.34

7.71

14.52

61

11.59

10.53

18.93

9.03

8.37

15.70

62

12.98

11.82

21.02

9.76

9.07

16.95

63

14.47

13.23

23.26

10.55

9.81

18.23

64

16.04

14.70

25.50

11.40

10.62

19.61

65

17.65

16.23

27.69

12.33

11.52

21.10

66

19.27

17.78

29.81

13.35

12.50

22.72

67

20.96

19.40

31.95

14.48

13.59

24.52

68

22.74

21.11

34.14

15.71

14.80

26.49

69

24.69

23.03

36.55

17.08

16.12

28.66

con't

con't

con't

con't

con't

con't

con't


 

Ultimate Only – Age Last Birthday

3 of 4

Attained

Age

Male

Female

Composite

Nonsmoker

Smoker

Composite

Nonsmoker

Smoker

70

26.94

25.27

39.31

18.63

17.61

31.11

71

29.71

27.99

42.70

20.38

19.31

33.85

72

32.94

31.17

46.64

22.29

21.17

36.83

73

36.32

34.52

50.61

24.39

23.20

40.08

74

39.96

38.12

54.91

26.68

25.45

43.48

75

43.95

42.04

59.69

29.20

27.92

47.05

76

48.44

46.46

64.99

31.95

30.63

50.91

77

53.67

51.60

71.12

34.97

33.63

55.07

78

59.72

57.57

78.15

38.28

36.90

59.56

79

66.48

64.26

85.89

41.92

40.49

64.39

80

74.02

71.72

94.35

46.43

44.95

70.41

81

82.20

79.83

103.34

51.96

50.43

77.77

82

90.82

88.42

112.59

57.80

56.23

85.35

83

100.22

97.80

122.45

63.94

62.32

93.09

84

110.69

108.23

133.60

70.74

69.11

101.15

85

122.36

119.83

146.24

77.59

75.99

108.60

86

135.17

132.59

159.95

85.68

84.12

117.21

87

148.99

146.38

174.52

95.69

94.16

127.89

88

163.66

161.04

189.71

106.25

104.75

138.58

89

179.03

176.42

205.33

116.68

115.29

148.36

90

194.28

191.74

220.42

124.22

123.05

153.92

91

209.27

206.82

234.78

131.53

130.47

158.48

92

224.94

222.62

249.52

143.72

142.77

168.33

93

241.46

239.28

264.76

160.21

159.44

182.27

94

258.86

256.83

281.02

180.90

180.20

201.70

95

276.12

274.21

297.39

203.48

202.79

224.62

96

292.95

291.18

312.93

225.69

225.04

246.45

97

310.86

309.26

329.31

240.07

239.48

259.40

98

329.95

328.54

346.60

247.79

247.32

264.59

99

350.32

349.11

364.85

263.98

263.59

278.57

100

369.76

368.76

381.92

285.02

284.74

297.48

101

386.96

386.19

396.51

307.89

307.72

317.92

102

405.25

404.73

411.85

333.06

333.04

340.13

103

424.70

424.44

427.96

360.71

360.70

364.04

104

445.35

445.27

446.33

390.86

390.85

391.63

con't

con't

con't

con't

con't

con't

con't


 

Ultimate Only – Age Last Birthday

4 of 4

Attained

Age

Male

Female

Composite

Nonsmoker

Smoker

Composite

Nonsmoker

Smoker

105

467.29

467.21

468.20

422.72

422.71

423.44

106

490.57

490.50

491.42

455.33

455.32

455.99

107

515.28

515.21

516.07

488.48

488.47

489.10

108

541.49

541.43

542.21

522.20

522.19

522.77

109

569.27

569.22

569.94

557.04

557.03

557.56

110

598.70

598.65

599.30

591.96

591.95

592.43

111

629.88

629.83

630.41

625.62

625.61

626.05

112

662.87

662.83

663.35

657.77

657.76

658.15

113

697.78

697.75

698.19

690.79

690.78

691.12

114

734.68

734.65

735.03

732.06

732.05

732.34

115

773.66

773.63

773.95

771.35

771.34

771.59

116

814.78

814.76

815.02

812.36

812.35

812.54

117

858.15

858.13

858.32

855.90

855.90

856.04

118

903.81

903.80

903.92

896.58

896.58

896.68

119

951.67

951.67

951.74

939.06

939.06

939.11

120

1,000.00

1,000.00

1,000.00

1,000.00

1,000.00

1,000.00