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
|
|
|
|
|
|
|
|
|
|