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 E   Female Nonsmoker Select & Ultimate Age Nearest Birthday

 

 

 2001 CSO Table – Female – Nonsmoker – 1000qx

 

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

 

 

 

 

 

 

 

 

 

 

 

 

0.37

con't

5

 

 

 

 

 

 

 

 

 

 

 

0.36

0.38

con't

6

 

 

 

 

 

 

 

 

 

 

0.36

0.38

0.39

con't

7

 

 

 

 

 

 

 

 

 

0.36

0.37

0.38

0.41

con't

8

 

 

 

 

 

 

 

 

0.35

0.37

0.38

0.40

0.42

con't

9

 

 

 

 

 

 

 

0.35

0.36

0.37

0.40

0.41

0.42

con't

10

 

 

 

 

 

 

0.34

0.36

0.36

0.39

0.40

0.41

0.44

con't

11

 

 

 

 

 

0.33

0.35

0.36

0.38

0.39

0.40

0.43

0.45

con't

12

 

 

 

 

0.33

0.34

0.35

0.37

0.38

0.39

0.42

0.44

0.46

con't

13

 

 

 

0.33

0.34

0.34

0.36

0.37

0.38

0.41

0.43

0.45

0.47

con't

14

 

 

0.33

0.34

0.34

0.35

0.37

0.37

0.40

0.41

0.44

0.46

0.50

con't

15

 

0.33

0.34

0.34

0.35

0.36

0.37

0.38

0.40

0.42

0.45

0.49

0.52

con't

16

0.33

0.34

0.34

0.34

0.35

0.36

0.38

0.39

0.42

0.43

0.47

0.51

0.54

con't

17

0.34

0.34

0.34

0.34

0.35

0.37

0.38

0.41

0.42

0.46

0.50

0.53

0.58

con't

18

0.33

0.33

0.33

0.34

0.36

0.37

0.39

0.42

0.45

0.49

0.53

0.57

0.62

con't

19

0.32

0.32

0.33

0.35

0.36

0.38

0.40

0.44

0.48

0.51

0.56

0.61

0.66

con't

20

0.30

0.31

0.33

0.34

0.36

0.39

0.43

0.47

0.50

0.55

0.60

0.66

0.71

con't

21

0.28

0.30

0.32

0.35

0.37

0.41

0.46

0.48

0.54

0.58

0.64

0.69

0.75

con't

22

0.27

0.29

0.33

0.35

0.39

0.44

0.47

0.52

0.57

0.63

0.68

0.74

0.79

con't

23

0.25

0.29

0.32

0.36

0.41

0.45

0.50

0.56

0.61

0.66

0.72

0.78

0.84

con't

24

0.25

0.29

0.33

0.38

0.42

0.47

0.53

0.58

0.65

0.70

0.76

0.82

0.89

con't

25

0.24

0.30

0.34

0.39

0.44

0.50

0.56

0.62

0.68

0.74

0.80

0.86

0.93

con't

26

0.25

0.31

0.35

0.41

0.46

0.53

0.59

0.64

0.71

0.77

0.84

0.90

0.97

con't

27

0.27

0.31

0.37

0.43

0.49

0.55

0.61

0.67

0.74

0.81

0.87

0.93

1.02

con't

28

0.28

0.33

0.39

0.45

0.51

0.57

0.64

0.70

0.77

0.83

0.91

0.99

1.08

con't

29

0.30

0.36

0.42

0.47

0.53

0.60

0.65

0.74

0.80

0.87

0.95

1.04

1.13

con't

30

0.32

0.38

0.43

0.50

0.55

0.62

0.69

0.75

0.82

0.92

1.01

1.10

1.21

con't

31

0.35

0.41

0.46

0.52

0.58

0.65

0.72

0.79

0.87

0.97

1.06

1.18

1.31

con't

32

0.37

0.42

0.48

0.54

0.61

0.68

0.75

0.83

0.93

1.03

1.15

1.28

1.44

con't

33

0.39

0.44

0.50

0.57

0.64

0.72

0.81

0.90

0.99

1.12

1.26

1.41

1.58

con't

34

0.40

0.45

0.52

0.60

0.67

0.76

0.86

0.97

1.08

1.22

1.38

1.55

1.74

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


 

 

 2001 CSO Table – Female – Nonsmoker – 1000qx

 

Issue Age

 Duration

Att Age

14

15

16

17

18

19

20

21

22

23

24

25

Ultimate

0

 

 

 

0.39

0.41

0.42

0.45

0.45

0.46

0.48

0.48

0.50

0.50

25

1

 

 

0.38

0.40

0.41

0.44

0.45

0.46

0.48

0.48

0.49

0.50

0.53

26

2

 

0.37

0.40

0.41

0.44

0.44

0.46

0.48

0.48

0.49

0.50

0.52

0.57

27

3

0.37

0.39

0.40

0.43

0.44

0.45

0.47

0.48

0.49

0.50

0.52

0.56

0.58

28

4

0.39

0.40

0.42

0.43

0.45

0.47

0.47

0.49

0.50

0.52

0.56

0.58

0.62

29

5

0.39

0.42

0.43

0.44

0.47

0.47

0.49

0.50

0.52

0.56

0.58

0.62

0.64

30

6

0.41

0.42

0.44

0.46

0.47

0.49

0.50

0.52

0.56

0.58

0.61

0.63

0.68

31

7

0.42

0.43

0.46

0.46

0.49

0.50

0.52

0.56

0.58

0.61

0.63

0.68

0.72

32

8

0.42

0.45

0.46

0.48

0.50

0.52

0.56

0.58

0.61

0.63

0.68

0.71

0.76

33

9

0.44

0.45

0.48

0.50

0.52

0.55

0.58

0.61

0.63

0.68

0.71

0.76

0.82

34

10

0.45

0.47

0.49

0.51

0.55

0.58

0.61

0.63

0.68

0.71

0.76

0.82

0.89

35

11

0.46

0.49

0.51

0.54

0.57

0.61

0.63

0.67

0.71

0.75

0.81

0.88

0.95

36

12

0.48

0.50

0.54

0.57

0.60

0.63

0.67

0.71

0.75

0.81

0.88

0.95

1.03

37

13

0.50

0.53

0.57

0.60

0.63

0.67

0.71

0.75

0.81

0.88

0.95

1.01

1.07

38

14

0.53

0.56

0.60

0.63

0.67

0.71

0.75

0.81

0.88

0.94

1.00

1.06

1.13

39

15

0.55

0.59

0.63

0.67

0.71

0.75

0.81

0.88

0.94

1.00

1.06

1.13

1.20

40

16

0.59

0.63

0.67

0.71

0.75

0.81

0.88

0.94

1.00

1.05

1.13

1.19

1.27

41

17

0.62

0.67

0.71

0.75

0.81

0.88

0.94

1.00

1.05

1.13

1.19

1.27

1.35

42

18

0.67

0.71

0.75

0.81

0.88

0.94

1.00

1.05

1.13

1.19

1.27

1.35

1.45

43

19

0.71

0.75

0.81

0.88

0.94

1.00

1.05

1.13

1.19

1.27

1.35

1.45

1.57

44

20

0.75

0.81

0.88

0.94

1.00

1.05

1.13

1.19

1.27

1.35

1.45

1.57

1.71

45

21

0.81

0.86

0.94

0.99

1.05

1.12

1.19

1.27

1.35

1.45

1.57

1.71

1.87

46

22

0.85

0.92

0.98

1.04

1.12

1.19

1.27

1.35

1.45

1.57

1.71

1.87

2.07

47

23

0.91

0.96

1.03

1.10

1.18

1.27

1.35

1.45

1.57

1.71

1.87

2.07

2.29

48

24

0.95

1.01

1.09

1.16

1.25

1.34

1.45

1.57

1.71

1.87

2.07

2.29

2.53

49

25

0.99

1.06

1.15

1.24

1.33

1.44

1.57

1.71

1.87

2.07

2.29

2.53

2.81

50

26

1.04

1.13

1.22

1.32

1.42

1.57

1.71

1.87

2.07

2.29

2.53

2.81

3.12

51

27

1.11

1.20

1.30

1.41

1.55

1.70

1.87

2.07

2.29

2.53

2.81

3.12

3.47

52

28

1.17

1.27

1.40

1.53

1.69

1.86

2.05

2.29

2.53

2.81

3.12

3.47

3.85

53

29

1.24

1.37

1.51

1.68

1.85

2.04

2.27

2.53

2.81

3.12

3.47

3.85

4.25

54

30

1.34

1.49

1.65

1.83

2.03

2.26

2.51

2.80

3.12

3.46

3.84

4.25

4.68

55

31

1.47

1.63

1.81

2.01

2.25

2.50

2.78

3.11

3.45

3.83

4.24

4.68

5.18

56

32

1.60

1.79

1.99

2.23

2.48

2.76

3.06

3.42

3.81

4.23

4.67

5.17

5.70

57

33

1.76

1.97

2.21

2.46

2.74

3.04

3.39

3.78

4.19

4.66

5.15

5.69

6.26

58

34

1.94

2.18

2.44

2.72

3.02

3.36

3.74

4.16

4.61

5.11

5.64

6.21

6.82

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


 

 

 2001 CSO Table – Female – Nonsmoker – 1000qx

 

Issue Age

 Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

35

0.41

0.48

0.54

0.62

0.71

0.82

0.93

1.06

1.19

1.35

1.52

1.71

1.92

con't

36

0.43

0.50

0.57

0.67

0.77

0.88

1.01

1.15

1.32

1.49

1.67

1.89

2.13

con't

37

0.44

0.51

0.60

0.71

0.82

0.96

1.10

1.27

1.44

1.64

1.85

2.09

2.35

con't

38

0.46

0.55

0.65

0.76

0.89

1.03

1.20

1.38

1.58

1.80

2.04

2.30

2.59

con't

39

0.49

0.59

0.69

0.83

0.97

1.13

1.32

1.52

1.73

1.98

2.24

2.53

2.84

con't

40

0.54

0.64

0.76

0.90

1.06

1.24

1.44

1.67

1.91

2.17

2.46

2.77

3.13

con't

41

0.58

0.70

0.84

0.99

1.17

1.37

1.58

1.82

2.09

2.38

2.70

3.05

3.43

con't

42

0.63

0.77

0.92

1.10

1.29

1.50

1.75

2.01

2.29

2.61

2.95

3.35

3.76

con't

43

0.70

0.85

1.03

1.21

1.44

1.67

1.93

2.21

2.52

2.86

3.25

3.66

4.12

con't

44

0.77

0.94

1.14

1.36

1.59

1.85

2.12

2.43

2.77

3.14

3.56

4.00

4.51

con't

45

0.85

1.04

1.26

1.49

1.75

2.04

2.34

2.68

3.05

3.45

3.88

4.38

4.92

con't

46

0.93

1.15

1.39

1.64

1.93

2.24

2.58

2.94

3.34

3.77

4.25

4.79

5.37

con't

47

1.01

1.25

1.52

1.80

2.12

2.45

2.82

3.21

3.63

4.11

4.63

5.21

5.84

con't

48

1.11

1.37

1.65

1.97

2.29

2.65

3.05

3.48

3.95

4.46

5.03

5.65

6.33

con't

49

1.17

1.44

1.80

2.12

2.48

2.86

3.29

3.75

4.25

4.81

5.42

6.10

6.84

con't

50

1.22

1.58

1.93

2.27

2.65

3.06

3.52

4.01

4.55

5.16

5.83

6.57

7.37

con't

51

1.30

1.74

2.09

2.43

2.84

3.26

3.75

4.28

4.87

5.52

6.25

7.05

7.94

con't

52

1.37

1.92

2.25

2.60

3.01

3.46

3.97

4.54

5.18

5.90

6.69

7.57

8.53

con't

53

1.45

2.05

2.41

2.77

3.19

3.66

4.20

4.82

5.51

6.29

7.15

8.12

9.19

con't

54

1.53

2.19

2.58

2.95

3.38

3.88

4.45

5.11

5.86

6.70

7.66

8.72

9.91

con't

55

1.62

2.34

2.77

3.15

3.60

4.12

4.73

5.43

6.24

7.17

8.22

9.40

10.72

con't

56

1.77

2.51

2.99

3.39

3.86

4.41

5.07

5.83

6.72

7.72

8.87

10.17

11.64

con't

57

1.87

2.69

3.24

3.65

4.16

4.75

5.46

6.30

7.25

8.36

9.62

11.06

12.69

con't

58

1.95

2.87

3.49

3.93

4.49

5.15

5.92

6.84

7.88

9.10

10.48

12.07

13.87

con't

59

2.11

3.05

3.76

4.25

4.85

5.58

6.43

7.43

8.59

9.94

11.47

13.23

15.23

con't

60

2.22

3.24

4.03

4.56

5.23

6.04

6.99

8.11

9.40

10.89

12.60

14.54

16.79

con't

61

2.34

3.43

4.30

4.89

5.62

6.52

7.58

8.83

10.29

11.95

13.87

16.04

18.53

con't

62

2.51

3.64

4.58

5.21

6.02

7.02

8.21

9.61

11.25

13.12

15.28

17.74

20.52

con't

63

2.74

3.85

4.85

5.53

6.42

7.52

8.86

10.44

12.29

14.42

16.86

19.64

22.77

con't

64

3.02

4.67

5.14

5.86

6.83

8.06

9.56

11.34

13.43

15.83

18.60

21.75

25.28

con't

65

3.34

4.96

5.45

6.21

7.27

8.63

10.31

12.32

14.68

17.41

20.55

24.09

28.04

con't

66

3.52

5.31

5.79

6.61

7.78

9.29

11.18

13.45

16.14

19.22

22.74

26.75

31.22

con't

67

3.68

5.68

6.17

7.07

8.36

10.07

12.20

14.76

17.77

21.28

25.26

29.75

34.80

con't

68

4.08

6.08

6.64

7.63

9.08

10.99

13.40

16.28

19.70

23.63

28.11

33.16

38.80

con't

69

4.50

6.54

7.16

8.28

9.93

12.09

14.79

18.07

21.89

26.31

31.34

36.99

43.26

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


 

 

 2001 CSO Table – Female – Nonsmoker – 1000qx

 

Issue Age

 Duration

Att Age

14

15

16

17

18

19

20

21

22

23

24

25

Ultimate

35

2.16

2.41

2.69

3.00

3.34

3.71

4.11

4.57

5.07

5.59

6.16

6.76

7.40

60

36

2.38

2.67

2.97

3.32

3.69

4.09

4.53

5.02

5.55

6.10

6.71

7.35

8.03

61

37

2.63

2.94

3.28

3.66

4.06

4.51

4.98

5.50

6.07

6.67

7.30

7.99

8.72

62

38

2.89

3.24

3.62

4.02

4.47

4.94

5.46

6.02

6.62

7.26

7.94

8.67

9.43

63

39

3.19

3.56

3.97

4.43

4.90

5.43

5.98

6.58

7.22

7.90

8.63

9.40

10.20

64

40

3.51

3.91

4.37

4.85

5.38

5.93

6.54

7.18

7.88

8.61

9.38

10.18

11.05

65

41

3.85

4.30

4.79

5.33

5.89

6.50

7.15

7.85

8.59

9.37

10.17

11.04

11.99

66

42

4.22

4.71

5.25

5.82

6.44

7.10

7.81

8.57

9.36

10.17

11.03

11.97

13.02

67

43

4.62

5.17

5.75

6.38

7.05

7.77

8.54

9.33

10.16

11.02

11.96

13.00

14.17

68

44

5.05

5.65

6.28

6.96

7.70

8.49

9.31

10.16

11.02

11.95

12.99

14.13

15.43

69

45

5.52

6.16

6.85

7.61

8.41

9.26

10.16

11.01

11.95

12.97

14.13

15.38

16.82

70

46

6.01

6.71

7.46

8.26

9.14

10.09

11.01

11.95

12.97

14.12

15.36

16.77

18.42

71

47

6.52

7.28

8.09

8.98

9.94

10.98

11.94

12.97

14.12

15.36

16.75

18.37

20.21

72

48

7.08

7.90

8.78

9.74

10.79

11.93

12.97

14.10

15.34

16.75

18.37

20.13

22.15

73

49

7.66

8.56

9.53

10.58

11.73

12.95

14.10

15.34

16.75

18.37

20.13

22.08

24.28

74

50

8.27

9.26

10.32

11.48

12.76

14.09

15.34

16.75

18.37

20.13

22.08

24.24

26.64

75

51

8.93

10.00

11.18

12.47

13.89

15.32

16.75

18.37

20.13

22.08

24.24

26.56

29.23

76

52

9.62

10.82

12.12

13.56

15.14

16.71

18.37

20.13

22.08

24.24

26.56

29.15

32.08

77

53

10.39

11.71

13.15

14.78

16.55

18.31

20.13

22.08

24.24

26.56

29.15

31.96

35.23

78

54

11.24

12.72

14.34

16.13

18.12

20.07

22.06

24.22

26.56

29.15

31.96

35.09

38.63

79

55

12.20

13.85

15.68

17.69

19.92

22.00

24.21

26.56

29.15

31.96

35.09

38.52

42.43

80

56

13.31

15.14

17.19

19.47

21.94

24.12

26.54

29.12

31.96

35.08

38.49

42.27

47.59

81

57

14.54

16.59

18.88

21.44

24.05

26.44

29.08

31.92

35.05

38.49

42.22

46.37

53.41

82

58

15.94

18.21

20.80

23.65

26.35

28.98

31.89

35.01

38.44

42.21

46.36

50.94

59.21

83

59

17.50

20.06

22.92

26.11

28.88

31.76

34.98

38.40

42.16

46.31

50.87

55.89

65.62

84

60

19.30

22.13

25.31

28.76

31.66

34.83

38.35

42.11

46.24

50.85

55.87

61.33

72.84

85

61

21.34

24.49

28.02

31.53

34.72

38.20

42.01

46.18

50.74

55.80

61.30

67.39

79.39

86

62

23.67

27.19

31.13

34.57

38.07

41.89

46.08

50.67

55.71

61.22

67.29

74.04

89.25

87

63

26.29

30.23

34.47

37.91

41.75

45.93

50.55

55.58

61.13

67.18

73.92

81.28

99.55

88

64

29.21

33.61

37.79

41.57

45.77

50.38

55.39

60.98

67.07

73.78

81.13

89.23

110.53

89

65

32.49

37.40

41.43

45.58

50.21

55.20

60.75

66.89

73.59

80.97

89.05

98.04

120.65

90

66

36.22

41.37

45.52

50.13

55.12

60.67

66.79

73.46

80.83

88.96

97.83

107.62

125.77

91

67

40.39

45.51

50.08

55.11

60.65

66.70

73.37

80.71

88.82

97.69

107.54

118.24

135.84

92

68

45.04

50.02

55.05

60.58

66.63

73.35

80.69

88.71

97.65

107.40

118.18

130.09

150.78

93

69

50.01

55.04

60.50

66.61

73.26

80.60

88.68

97.61

107.35

118.12

130.00

143.01

169.64

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


 

 

 2001 CSO Table – Female – Nonsmoker – 1000qx

5 of 6

Issue Age

 Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

70

4.98

7.03

7.78

9.07

10.94

13.39

16.45

20.13

24.44

29.39

34.97

41.27

48.24

con't

71

5.55

7.59

8.49

10.00

12.16

14.94

18.39

22.53

27.35

32.88

39.11

46.07

53.82

con't

72

7.56

8.20

9.32

11.10

13.58

16.77

20.67

25.30

30.69

36.85

43.77

51.46

59.94

con't

73

8.17

8.93

10.29

12.40

15.28

18.89

23.29

28.48

34.49

41.34

48.97

57.45

64.69

con't

74

8.86

9.79

11.47

13.97

17.26

21.37

26.32

32.13

38.81

46.37

54.80

64.05

71.75

con't

75

9.61

10.84

12.90

15.82

19.60

24.26

29.80

36.31

43.71

52.07

61.28

71.43

79.44

con't

76

10.53

12.11

14.59

17.96

22.27

27.51

33.69

40.84

48.99

58.10

68.15

79.20

87.90

con't

77