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 R   Blended 40% Male, 60% Female Composite Select & Ultimate Age Nearest Birthday

 

 

Blended 40% Male, 60% Female Composite Select & Ultimate Age Nearest Birthday

 

Issue

Age

Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

0

0.68

0.43

0.31

0.23

0.20

0.19

0.20

0.21

0.21

0.22

0.22

0.25

0.29

con't

1

0.39

0.30

0.22

0.20

0.19

0.20

0.20

0.21

0.22

0.21

0.24

0.27

0.32

con't

2

0.29

0.22

0.20

0.19

0.20

0.19

0.21

0.22

0.21

0.22

0.25

0.30

0.34

con't

3

0.21

0.20

0.19

0.20

0.19

0.19

0.22

0.21

0.22

0.24

0.28

0.33

0.39

con't

4

0.20

0.19

0.19

0.19

0.19

0.20

0.21

0.22

0.23

0.28

0.33

0.38

0.49

con't

5

0.19

0.19

0.18

0.19

0.20

0.19

0.22

0.22

0.27

0.32

0.38

0.48

0.55

con't

6

0.19

0.18

0.19

0.20

0.19

0.21

0.22

0.27

0.31

0.38

0.48

0.55

0.59

con't

7

0.18

0.19

0.20

0.19

0.20

0.22

0.26

0.31

0.37

0.48

0.54

0.59

0.63

con't

8

0.19

0.20

0.19

0.20

0.21

0.26

0.30

0.37

0.47

0.54

0.59

0.62

0.64

con't

9

0.20

0.19

0.20

0.21

0.24

0.30

0.36

0.47

0.53

0.58

0.62

0.64

0.66

con't

10

0.19

0.20

0.21

0.24

0.28

0.35

0.46

0.53

0.58

0.61

0.63

0.65

0.67

con't

11

0.20

0.21

0.24

0.28

0.35

0.45

0.52

0.58

0.60

0.63

0.64

0.66

0.67

con't

12

0.20

0.23

0.28

0.35

0.45

0.52

0.57

0.60

0.62

0.63

0.65

0.66

0.69

con't

13

0.23

0.28

0.34

0.45

0.52

0.56

0.59

0.61

0.62

0.64

0.65

0.68

0.70

con't

14

0.27

0.34

0.45

0.52

0.56

0.58

0.60

0.61

0.63

0.63

0.66

0.69

0.74

con't

15

0.33

0.45

0.52

0.56

0.58

0.58

0.60

0.61

0.62

0.65

0.68

0.73

0.77

con't

16

0.45

0.52

0.56

0.57

0.58

0.59

0.60

0.61

0.64

0.66

0.71

0.75

0.79

con't

17

0.52

0.56

0.57

0.57

0.58

0.60

0.61

0.63

0.65

0.69

0.72

0.77

0.80

con't

18

0.55

0.56

0.56

0.57

0.58

0.59

0.61

0.64

0.68

0.71

0.75

0.78

0.81

con't

19

0.54

0.54

0.55

0.57

0.57

0.59

0.62

0.65

0.69

0.72

0.76

0.78

0.83

con't

20

0.51

0.52

0.54

0.54

0.56

0.59

0.63

0.66

0.70

0.72

0.76

0.81

0.86

con't

21

0.48

0.50

0.50

0.53

0.56

0.59

0.63

0.66

0.70

0.72

0.78

0.83

0.89

con't

22

0.45

0.46

0.49

0.52

0.56

0.59

0.63

0.66

0.70

0.76

0.81

0.86

0.92

con't

23

0.42

0.44

0.47

0.52

0.56

0.60

0.64

0.67

0.73

0.78

0.84

0.90

0.98

con't

24

0.39

0.43

0.48

0.53

0.57

0.61

0.65

0.70

0.76

0.82

0.88

0.95

1.02

con't

25

0.35

0.42

0.48

0.54

0.59

0.63

0.68

0.73

0.80

0.86

0.93

1.00

1.07

con't

26

0.35

0.42

0.49

0.56

0.60

0.66

0.71

0.77

0.83

0.91

0.98

1.05

1.15

con't

27

0.36

0.44

0.51

0.57

0.63

0.69

0.74

0.81

0.88

0.96

1.03

1.12

1.21

con't

28

0.37

0.45

0.52

0.60

0.66

0.72

0.78

0.86

0.93

1.00

1.10

1.19

1.31

con't

29

0.38

0.47

0.55

0.62

0.69

0.76

0.83

0.90

0.97

1.08

1.17

1.29

1.41

con't

30

0.39

0.48

0.56

0.64

0.72

0.80

0.87

0.94

1.04

1.14

1.25

1.37

1.52

con't

31

0.41

0.50

0.58

0.67

0.76

0.84

0.92

1.01

1.09

1.21

1.32

1.47

1.64

con't

32

0.42

0.51

0.60

0.70

0.78

0.86

0.97

1.05

1.16

1.27

1.42

1.59

1.81

con't

33

0.45

0.54

0.63

0.73

0.82

0.93

1.02

1.13

1.23

1.37

1.53

1.74

1.98

con't

34

0.47

0.56

0.66

0.76

0.87

0.97

1.09

1.21

1.34

1.48

1.68

1.91

2.18

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


 

 

Blended 40% Male, 60% Female Composite Select & Ultimate Age Nearest Birthday

 

Issue

Age

Duration

Att Age

14

15

16

17

18

19

20

21

22

23

24

25

Ultimate

0

0.34

0.39

0.45

0.53

0.60

0.64

0.67

0.68

0.69

0.71

0.71

0.73

0.75

25

1

0.36

0.44

0.51

0.58

0.63

0.66

0.68

0.69

0.71

0.71

0.73

0.75

0.79

26

2

0.39

0.49

0.57

0.61

0.65

0.67

0.69

0.71

0.71

0.73

0.75

0.79

0.83

27

3

0.49

0.55

0.60

0.64

0.67

0.68

0.70

0.71

0.73

0.75

0.78

0.82

0.85

28

4

0.55

0.60

0.64

0.66

0.68

0.70

0.71

0.73

0.75

0.78

0.81

0.84

0.86

29

5

0.59

0.64

0.66

0.68

0.70

0.71

0.73

0.75

0.78

0.81

0.83

0.85

0.86

30

6

0.63

0.65

0.68

0.69

0.71

0.73

0.75

0.77

0.80

0.82

0.84

0.85

0.89

31

7

0.65

0.67

0.69

0.70

0.73

0.75

0.77

0.79

0.82

0.84

0.85

0.89

0.91

32

8

0.66

0.68

0.69

0.72

0.74

0.77

0.79

0.82

0.84

0.85

0.89

0.91

0.95

33

9

0.67

0.68

0.71

0.74

0.77

0.79

0.82

0.84

0.85

0.89

0.91

0.95

1.00

34

10

0.67

0.70

0.73

0.76

0.79

0.82

0.84

0.85

0.89

0.91

0.95

1.00

1.07

35

11

0.69

0.72

0.76

0.78

0.81

0.84

0.85

0.89

0.91

0.95

1.00

1.07

1.13

36

12

0.72

0.75

0.78

0.81

0.83

0.85

0.89

0.91

0.95

1.00

1.07

1.13

1.20

37

13

0.75

0.78

0.81

0.83

0.85

0.89

0.91

0.95

1.00

1.07

1.13

1.19

1.28

38

14

0.78

0.81

0.83

0.85

0.89

0.91

0.95

1.00

1.07

1.13

1.19

1.27

1.35

39

15

0.80

0.83

0.85

0.89

0.91

0.95

1.00

1.07

1.13

1.19

1.27

1.35

1.44

40

16

0.82

0.85

0.89

0.91

0.95

1.00

1.07

1.13

1.19

1.27

1.35

1.44

1.54

41

17

0.83

0.87

0.90

0.95

1.00

1.07

1.13

1.19

1.27

1.35

1.44

1.54

1.67

42

18

0.86

0.90

0.93

1.00

1.07

1.13

1.19

1.27

1.35

1.44

1.54

1.67

1.81

43

19

0.88

0.93

0.99

1.07

1.13

1.19

1.27

1.35

1.44

1.54

1.67

1.81

1.99

44

20

0.92

0.99

1.06

1.12

1.19

1.27

1.35

1.44

1.54

1.67

1.81

1.99

2.18

45

21

0.96

1.04

1.12

1.18

1.27

1.34

1.44

1.54

1.67

1.81

1.99

2.18

2.39

46

22

1.01

1.09

1.17

1.26

1.34

1.43

1.54

1.67

1.81

1.99

2.18

2.39

2.63

47

23

1.06

1.14

1.25

1.33

1.43

1.54

1.67

1.81

1.99

2.18

2.39

2.63

2.83

48

24

1.10

1.22

1.31

1.42

1.53

1.66

1.81

1.99

2.18

2.39

2.62

2.83

3.08

49

25

1.18

1.27

1.41

1.52

1.65

1.80

1.99

2.18

2.39

2.61

2.82

3.08

3.35

50

26

1.25

1.37

1.50

1.65

1.79

1.98

2.18

2.39

2.61

2.82

3.08

3.35

3.67

51

27

1.34

1.46

1.63

1.79

1.97

2.17

2.39

2.60

2.81

3.08

3.35

3.67

4.06

52

28

1.44

1.59

1.77

1.95

2.15

2.38

2.60

2.81

3.08

3.35

3.67

4.06

4.49

53

29

1.55

1.72

1.93

2.14

2.37

2.59

2.81

3.08

3.35

3.67

4.06

4.49

4.98

54

30

1.68

1.88

2.10

2.33

2.57

2.80

3.07

3.35

3.67

4.06

4.49

4.96

5.53

55

31

1.85

2.07

2.31

2.54

2.78

3.06

3.34

3.66

4.04

4.48

4.96

5.47

6.13

56

32

2.03

2.28

2.52

2.77

3.04

3.32

3.65

4.02

4.47

4.95

5.46

6.05

6.77

57

33

2.23

2.49

2.74

3.02

3.31

3.63

4.01

4.46

4.93

5.45

6.02

6.64

7.38

58

34

2.45

2.71

3.00

3.30

3.62

4.00

4.43

4.91

5.42

5.99

6.59

7.22

8.03

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


 

 

Blended 40% Male, 60% Female Composite Select & Ultimate Age Nearest Birthday

 

Issue

Age

Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

35

0.49

0.59

0.69

0.81

0.91

1.05

1.17

1.31

1.46

1.65

1.86

2.11

2.39

con't

36

0.51

0.61

0.73

0.85

0.97

1.11

1.26

1.43

1.62

1.82

2.06

2.32

2.61

con't

37

0.54

0.65

0.76

0.89

1.03

1.19

1.36

1.58

1.78

2.02

2.26

2.53

2.85

con't

38

0.58

0.69

0.82

0.96

1.11

1.28

1.50

1.73

1.97

2.21

2.47

2.76

3.10

con't

39

0.62

0.76

0.89

1.04

1.20

1.41

1.64

1.90

2.15

2.42

2.70

3.02

3.39

con't

40

0.66

0.82

0.97

1.13

1.32

1.55

1.81

2.08

2.35

2.63

2.95

3.31

3.72

con't

41

0.72

0.89

1.07

1.25

1.46

1.72

1.99

2.27

2.57

2.88

3.24

3.65

4.09

con't

42

0.78

0.98

1.18

1.39

1.62

1.89

2.18

2.49

2.81

3.17

3.56

4.01

4.50

con't

43

0.85

1.06

1.29

1.52

1.77

2.05

2.38

2.71

3.07

3.47

3.91

4.40

4.96

con't

44

0.92

1.16

1.41

1.66

1.92

2.24

2.58

2.97

3.36

3.79

4.27

4.85

5.46

con't

45

1.01

1.27

1.53

1.80

2.11

2.45

2.84

3.25

3.70

4.16

4.70

5.34

5.98

con't

46

1.10

1.38

1.66

1.95

2.29

2.68

3.11

3.57

4.05

4.56

5.17

5.85

6.48

con't

47

1.22

1.49

1.79

2.12

2.51

2.93

3.40

3.91

4.43

5.02

5.65

6.33

7.02

con't

48

1.33

1.63

1.95

2.32

2.72

3.17

3.69

4.24

4.82

5.47

6.12

6.85

7.60

con't

49

1.40

1.74

2.13

2.52

2.95

3.43

3.98

4.58

5.19

5.88

6.60

7.40

8.30

con't

50

1.50

1.91

2.32

2.73

3.18

3.68

4.27

4.91

5.56

6.29

7.10

8.07

9.11

con't

51

1.61

2.11

2.54

2.96

3.42

3.95

4.56

5.22

5.95

6.74

7.71

8.84

10.02

con't

52

1.72

2.33

2.77

3.21

3.67

4.21

4.83

5.56

6.36

7.30

8.41

9.69

10.95

con't

53

1.81

2.50

2.99

3.45

3.94

4.50

5.18

5.98

6.88

7.96

9.21

10.60

11.75

con't

54

1.91

2.68

3.23

3.70

4.20

4.83

5.59

6.50

7.49

8.70

10.06

11.34

12.69

con't

55

2.01

2.87

3.48

3.96

4.51

5.19

6.07

7.07

8.16

9.47

10.73

12.22

13.76

con't

56

2.16

3.06

3.72

4.26

4.85

5.64

6.61

7.72

8.89

10.11

11.56

13.22

15.00

con't

57

2.27

3.25

3.98

4.58

5.28

6.15

7.22

8.41

9.64

11.04

12.67

14.49

16.41

con't

58

2.38

3.46

4.27

4.95

5.76

6.75

7.88

9.12

10.41

11.98

13.78

15.87

18.08

con't

59

2.56

3.67

4.59

5.37

6.28

7.37

8.58

9.87

11.21

12.95

14.97

17.36

19.99

con't

60

2.74

3.91

4.93

5.80

6.84

8.01

9.30

10.66

12.08

14.02

16.33

18.99

21.99

con't

61

2.93

4.16

5.27

6.25

7.38

8.67

10.04

11.46

13.00

15.20

17.78

20.67

23.89

con't

62

3.17

4.44

5.64

6.69

7.95

9.34

10.81

12.36

14.05

16.53

19.32

22.45

25.93

con't

63

3.43

4.75

6.06

7.21

8.55

10.06

11.67

13.39

15.29

18.02

21.07

24.47

28.31

con't

64

3.69

5.49

6.52

7.76

9.22

10.85

12.63

14.57

16.72

19.69

23.04

26.82

31.10

con't

65

3.97

5.86

6.99

8.35

9.93

11.71

13.68

15.86

18.28

21.56

25.29

29.51

34.31

con't

66

4.13

6.35

7.55

9.00

10.75

12.68

14.82

17.23

19.97

23.60

27.77

32.51

37.94

con't

67

4.34

6.87

8.16

9.73

11.69

13.78

16.12

18.77

21.83

25.89

30.56

35.91

42.00

con't

68

4.82

7.46

8.86

10.56

12.64

15.05

17.74

20.74

24.09

28.66

33.93

39.94

46.70

con't

69

5.32

8.09

9.65

11.49

13.48

16.52

19.41

22.62

26.38

31.49

37.38

44.02

51.51

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


 

 

Blended 40% Male, 60% Female Composite Select & Ultimate Age Nearest Birthday

 

Issue

Age

Duration

Att Age

14

15

16

17

18

19

20

21

22

23

24

25

Ultimate

35

2.67

2.97

3.28

3.61

3.99

4.41

4.88

5.39

5.95

6.55

7.18

7.85

8.74

60

36

2.92

3.25

3.59

3.97

4.39

4.85

5.35

5.91

6.51

7.13

7.81

8.52

9.58

61

37

3.20

3.56

3.94

4.35

4.81

5.32

5.87

6.47

7.09

7.77

8.50

9.33

10.52

62

38

3.48

3.89

4.32

4.78

5.28

5.84

6.43

7.05

7.74

8.48

9.31

10.26

11.55

63

39

3.81

4.24

4.73

5.24

5.79

6.39

7.01

7.70

8.46

9.30

10.25

11.30

12.65

64

40

4.16

4.65

5.17

5.74

6.34

6.97

7.67

8.43

9.28

10.23

11.26

12.35

13.81

65

41

4.57

5.11

5.69

6.29

6.93

7.64

8.41

9.27

10.21

11.24

12.35

13.41

15.03

66

42

5.04

5.64

6.22

6.86

7.59

8.37

9.24

10.19

11.22

12.32

13.41

14.46

16.31

67

43

5.55

6.17

6.77

7.51

8.32

9.21

10.16

11.19

12.27

13.36

14.46

15.72

17.71

68

44

6.08

6.70

7.41

8.23

9.14

10.12

11.17

12.24

13.32

14.46

15.67

17.06

19.18

69

45

6.60

7.28

8.11

9.04

10.04

11.10

12.22

13.29

14.42

15.62

17.06

18.66

20.88

70

46

7.14

7.97

8.90

9.91

11.00

12.15

13.26

14.38

15.57

16.99

18.66

20.53

22.80

71

47

7.78

8.73

9.76

10.88

12.03

13.22

14.36

15.51

16.92

18.58

20.53

22.68

25.12

72

48

8.51

9.57

10.72

11.90

13.10

14.33

15.47

16.85

18.50

20.44

22.68

25.01

27.59

73

49

9.31

10.49

11.74

12.95

14.19

15.44

16.78

18.42

20.36

22.59

25.01

27.47

30.23

74

50

10.25

11.48

12.77

14.02

15.30

16.63

18.34

20.27

22.49

24.90

27.47

30.10

33.13

75

51

11.24

12.44

13.82

15.10

16.46

18.18

20.18

22.39

24.79

27.35

30.09

32.96

36.28

76

52

12.05

13.43

14.86

16.27

18.02

20.00

22.29

24.68

27.23

29.97

32.96

36.12

39.82

77

53

13.02

14.48

16.04

17.80

19.84

22.09

24.57

27.11

29.83

32.82

36.12

39.65

43.81

78

54

14.15

15.78

17.55

19.61

21.91

24.35

26.99

29.70

32.67

35.97

39.65

43.62

48.26

79

55

15.40

17.27

19.35

21.67

24.19

26.74

29.57

32.53

35.81

39.48

43.62

48.05

53.10

80

56

16.86

19.03

21.38

23.92

26.63

29.31

32.39

35.65

39.30

43.43

48.05

52.88

59.15

81

57

18.58

21.03

23.60

26.35

29.17

32.10

35.49

39.13

43.24

47.85

52.87

58.18

65.63

82

58

20.52

23.20

25.97

28.96

31.94

35.17

38.95

43.04

47.63

52.63

58.18

63.80

72.28

83

59

22.65

25.53

28.53

31.85

35.01

38.61

42.85

47.41

52.39

57.92

63.79

69.84

79.57

84

60

24.94

28.06

31.37

35.00

38.42

42.47

47.19

52.16

57.66

63.51

69.83

76.43

87.64

85

61

27.45

30.88

34.56

38.41

42.27

46.77

51.92

57.40

63.22

69.52

76.40

83.65

95.52

86

62

29.84

34.06

38.20

42.25

46.55

51.44

57.13

62.93

69.21

76.07

83.62

91.50

105.85

87

63

32.65

37.56

42.24

46.53

51.20

56.61

62.64

68.88

75.73

83.25

91.46

99.94

116.67

88

64

35.96

41.50

46.51

51.18

56.33

62.07

68.57

75.38

82.88

91.05

99.88

108.96

128.03

89

65

39.80

46.01

51.16

56.31

61.77

67.95

75.03

82.49

90.63

99.43

108.88

118.52

138.62

90

66

44.11

50.72

56.29

61.74

67.63

74.36

82.11

90.22

98.99

108.40

118.43

128.65

144.96

91

67

48.81

55.72

61.73

67.60

74.02

81.41

89.83

98.57

107.96

117.96

128.59

139.07

154.97

92

68

54.29

61.26

67.58

74.00

81.04

89.08

98.15

107.51

117.49

128.11

139.01

150.20

168.68

93

69

59.58

66.75

73.97

81.02

88.68

97.35

107.07

117.02

127.62

138.51

150.13

162.70

185.71

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


 

 

Blended 40% Male, 60% Female Composite Select & Ultimate Age Nearest Birthday

5 of 6

Issue

Age

Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

70

5.88

8.82

10.54

12.57

14.42

18.17

21.20

24.73

29.77

35.55

42.11

49.54

57.70

con't

71

6.80

9.61

11.55

13.48

16.22

19.85

23.13

28.31

33.01

39.40

46.67

54.70

63.60

con't

72

8.82

10.48

12.67

15.16

18.11

21.56

25.60

30.23

35.59

42.57

50.35

59.02

68.65

con't

73

9.74

11.87

14.21

16.87

19.93

23.52

27.74

33.44

38.79

46.30

54.72

64.14

74.60

con't

74

10.82

12.96

15.60

18.66

22.09

25.98

31.35

36.69

42.69

50.94

60.14

70.44

81.27

con't

75

12.04

14.04

17.12

20.83

24.48

29.41

34.68

40.63

49.02

58.12

68.35

79.72

91.02

con't

76

12.82

15.57

19.03

23.14

27.58

32.75

38.61

46.57

55.76

65.85

77.11

89.53

101.22

con't

77

13.82

17.19

21.21

25.93

30.94

36.65

44.15

53.26

61.79

73.74

86.01

99.43

111.39

con't

78

15.24

19.09

23.75

29.34

34.88

41.88

50.86

59.42

71.37

83.49

96.81

111.25

123.53

con't

79

16.16

21.43

26.86

33.31

39.78

48.55

57.05

68.62

78.11

91.10

105.30

120.33

132.87

con't

80

17.66

24.42

30.65

38.01

46.51

54.91

66.05

75.39

87.31

101.25

116.42

131.70

145.06

con't

81

19.44

28.10

35.24

43.57

53.08

63.72

72.85

84.46

97.09

111.98

127.77

144.81

162.03

con't

82

21.54

32.61

40.73

50.04

60.52

70.60

81.84

94.14

105.60

124.38

142.18

162.03

175.07

con't

83

23.99

38.06

47.20

57.45

68.82

79.60

91.48

102.59

121.08

138.57

159.15

175.07

189.41

con't

84

28.67

44.31

54.61

65.71

77.91

89.29

99.91

117.99

135.10

155.29

171.62

189.41

204.86

con't

85

33.93

51.56

62.97

74.82

87.73

97.78

115.30

131.94

151.61

167.48

184.97

203.75

222.07

con't

86

42.43

59.86

72.07

84.84

96.39

113.24

129.24

148.32

163.59

180.54

198.87

219.11

241.23

con't