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 U   Blended 80% Male, 20% Female Nonsmoker Select & Ultimate Age Nearest Birthday

 

 

Blended 80% Male, 20% Female Nonsmoker Select & Ultimate Age Nearest Birthday

 

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

 

 

 

 

 

 

 

 

 

 

 

 

0.60

con't

5

 

 

 

 

 

 

 

 

 

 

 

0.59

0.68

con't

6

 

 

 

 

 

 

 

 

 

 

0.59

0.68

0.76

con't

7

 

 

 

 

 

 

 

 

 

0.59

0.68

0.76

0.81

con't

8

 

 

 

 

 

 

 

 

0.58

0.68

0.76

0.80

0.82

con't

9

 

 

 

 

 

 

 

0.58

0.68

0.75

0.80

0.81

0.81

con't

10

 

 

 

 

 

 

0.58

0.67

0.75

0.79

0.80

0.80

0.81

con't

11

 

 

 

 

 

0.58

0.67

0.75

0.78

0.79

0.79

0.80

0.81

con't

12

 

 

 

 

0.58

0.67

0.75

0.77

0.78

0.78

0.79

0.80

0.82

con't

13

 

 

 

0.58

0.67

0.75

0.76

0.77

0.77

0.78

0.79

0.82

0.83

con't

14

 

 

0.58

0.67

0.75

0.76

0.77

0.77

0.78

0.78

0.80

0.82

0.86

con't

15

 

0.58

0.67

0.75

0.75

0.76

0.76

0.77

0.77

0.79

0.81

0.84

0.88

con't

16

0.58

0.67

0.74

0.74

0.75

0.75

0.76

0.76

0.78

0.79

0.82

0.86

0.88

con't

17

0.67

0.73

0.73

0.74

0.74

0.75

0.75

0.77

0.78

0.81

0.84

0.86

0.88

con't

18

0.72

0.72

0.73

0.73

0.74

0.74

0.76

0.76

0.79

0.81

0.83

0.85

0.86

con't

19

0.69

0.70

0.70

0.71

0.72

0.74

0.73

0.77

0.78

0.79

0.82

0.83

0.86

con't

20

0.67

0.67

0.68

0.68

0.70

0.71

0.72

0.75

0.76

0.78

0.80

0.82

0.86

con't

21

0.61

0.62

0.63

0.65

0.66

0.68

0.71

0.71

0.74

0.76

0.79

0.83

0.88

con't

22

0.58

0.58

0.60

0.61

0.64

0.66

0.68

0.71

0.72

0.76

0.80

0.85

0.90

con't

23

0.53

0.55

0.57

0.60

0.63

0.65

0.68

0.70

0.73

0.77

0.81

0.87

0.94

con't

24

0.49

0.50

0.55

0.60

0.63

0.66

0.68

0.71

0.75

0.79

0.85

0.91

0.99

con't

25

0.42

0.48

0.55

0.60

0.63

0.67

0.70

0.73

0.78

0.84

0.90

0.96

1.05

con't

26

0.41

0.49

0.55

0.62

0.65

0.69

0.72

0.76

0.82

0.88

0.94

1.02

1.12

con't

27

0.41

0.49

0.56

0.64

0.68

0.71

0.76

0.81

0.87

0.94

1.02

1.10

1.19

con't

28

0.41

0.50

0.58

0.65

0.70

0.74

0.80

0.86

0.92

1.00

1.10

1.19

1.31

con't

29

0.41

0.51

0.60

0.67

0.74

0.79

0.85

0.92

0.99

1.09

1.18

1.30

1.42

con't

30

0.41

0.52

0.60

0.69

0.77

0.84

0.91

0.98

1.07

1.17

1.28

1.39

1.52

con't

31

0.42

0.53

0.62

0.71

0.80

0.88

0.97

1.05

1.12

1.23

1.34

1.48

1.66

con't

32

0.43

0.52

0.64

0.72

0.82

0.92

1.01

1.08

1.18

1.28

1.41

1.60

1.82

con't

33

0.44

0.56

0.66

0.76

0.87

0.97

1.06

1.15

1.24

1.35

1.52

1.73

2.00

con't

34

0.48

0.58

0.70

0.80

0.92

1.01

1.13

1.23

1.32

1.47

1.66

1.91

2.17

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 80% Male, 20% Female Nonsmoker Select & Ultimate Age Nearest Birthday

 

Issue

Age

Duration

Att Age

14

15

16

17

18

19

20

21

22

23

24

25

Ultimate

0

 

 

 

0.67

0.76

0.82

0.84

0.85

0.85

0.86

0.86

0.88

0.88

25

1

 

 

0.64

0.73

0.80

0.83

0.85

0.85

0.86

0.86

0.88

0.88

0.92

26

2

 

0.62

0.70

0.78

0.82

0.84

0.85

0.86

0.86

0.88

0.88

0.91

0.97

27

3

0.60

0.68

0.76

0.81

0.84

0.85

0.86

0.86

0.88

0.88

0.90

0.94

0.96

28

4

0.68

0.76

0.81

0.84

0.85

0.86

0.86

0.88

0.88

0.90

0.93

0.94

0.95

29

5

0.76

0.81

0.84

0.85

0.86

0.86

0.88

0.88

0.89

0.91

0.92

0.93

0.94

30

6

0.81

0.84

0.84

0.85

0.85

0.87

0.86

0.88

0.90

0.90

0.92

0.92

0.94

31

7

0.83

0.83

0.84

0.84

0.86

0.86

0.87

0.89

0.90

0.91

0.91

0.93

0.95

32

8

0.82

0.83

0.83

0.86

0.86

0.87

0.89

0.90

0.91

0.91

0.93

0.95

0.98

33

9

0.82

0.82

0.84

0.86

0.87

0.89

0.90

0.91

0.91

0.93

0.95

0.98

1.01

34

10

0.81

0.84

0.85

0.87

0.89

0.90

0.91

0.91

0.93

0.95

0.98

1.01

1.05

35

11

0.83

0.84

0.87

0.88

0.89

0.91

0.91

0.93

0.95

0.98

1.01

1.05

1.11

36

12

0.84

0.87

0.88

0.89

0.91

0.91

0.93

0.95

0.98

1.01

1.05

1.11

1.17

37

13

0.87

0.88

0.89

0.91

0.91

0.93

0.95

0.98

1.01

1.05

1.11

1.17

1.25

38

14

0.88

0.89

0.91

0.91

0.93

0.95

0.98

1.01

1.05

1.11

1.16

1.25

1.32

39

15

0.89

0.90

0.91

0.93

0.95

0.98

1.01

1.05

1.11

1.16

1.25

1.32

1.41

40

16

0.90

0.91

0.93

0.95

0.98

1.01

1.05

1.11

1.16

1.25

1.32

1.41

1.52

41

17

0.89

0.91

0.92

0.98

1.01

1.05

1.11

1.16

1.25

1.32

1.41

1.52

1.65

42

18

0.90

0.92

0.95

1.01

1.04

1.11

1.16

1.25

1.32

1.41

1.52

1.65

1.81

43

19

0.90

0.95

0.98

1.04

1.11

1.16

1.25

1.31

1.41

1.52

1.65

1.81

1.99

44

20

0.91

0.98

1.04

1.10

1.16

1.25

1.31

1.41

1.52

1.65

1.81

1.99

2.21

45

21

0.94

1.02

1.10

1.16

1.25

1.31

1.41

1.52

1.65

1.81

1.99

2.21

2.41

46

22

0.98

1.07

1.16

1.24

1.31

1.41

1.52

1.65

1.81

1.99

2.21

2.41

2.65

47

23

1.02

1.12

1.23

1.31

1.41

1.52

1.65

1.81

1.99

2.21

2.41

2.65

2.80

48

24

1.07

1.20

1.30

1.40

1.52

1.65

1.81

1.99

2.21

2.41

2.63

2.80

2.98

49

25

1.15

1.26

1.39

1.51

1.65

1.81

1.99

2.21

2.41

2.62

2.80

2.98

3.22

50

26

1.22

1.36

1.51

1.64

1.80

1.99

2.21

2.41

2.62

2.79

2.98

3.22

3.50

51

27

1.34

1.47

1.63

1.80

1.99

2.20

2.41

2.61

2.78

2.98

3.22

3.50

3.86

52

28

1.45

1.59

1.80

1.97

2.19

2.41

2.60

2.78

2.98

3.22

3.50

3.86

4.26

53

29

1.56

1.75

1.96

2.18

2.40

2.60

2.77

2.98

3.22

3.50

3.86

4.26

4.75

54

30

1.70

1.89

2.14

2.35

2.57

2.77

2.98

3.22

3.50

3.84

4.26

4.73

5.34

55

31

1.86

2.11

2.33

2.55

2.75

2.97

3.21

3.48

3.82

4.25

4.72

5.25

5.95

56

32

2.07

2.31

2.53

2.75

2.96

3.20

3.47

3.81

4.24

4.71

5.22

5.82

6.60

57

33

2.24

2.49

2.72

2.95

3.20

3.47

3.80

4.23

4.68

5.19

5.77

6.38

7.19

58

34

2.45

2.69

2.92

3.19

3.46

3.79

4.19

4.64

5.15

5.71

6.32

6.96

7.84

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 80% Male, 20% Female Nonsmoker Select & Ultimate Age Nearest Birthday

 

Issue

Age

Duration

 

1

2

3

4

5

6

7

8

9

10

11

12

13

con't

35

0.51

0.61

0.73

0.85

0.95

1.08

1.20

1.31

1.45

1.62

1.84

2.07

2.36

con't

36

0.53

0.65

0.76

0.88

1.01

1.13

1.26

1.44

1.60

1.81

2.02

2.28

2.55

con't

37

0.56

0.66

0.79

0.92

1.05

1.19

1.37

1.57

1.79

1.99

2.21

2.45

2.75

con't

38

0.60

0.72

0.86

0.98

1.11

1.29

1.49

1.74

1.96

2.18

2.39

2.65

2.98

con't

39

0.64

0.79

0.92

1.05

1.21

1.40

1.66

1.88

2.13

2.35

2.59

2.88

3.23

con't

40

0.69

0.85

0.99

1.13

1.31

1.55

1.81

2.07

2.30

2.54

2.81

3.15

3.52

con't

41

0.73

0.91

1.09

1.26

1.47

1.71

1.99

2.24

2.50

2.77

3.10

3.46

3.88

con't

42

0.78

1.00

1.21

1.40

1.62

1.88

2.16

2.44

2.72

3.05

3.40

3.82

4.28

con't

43

0.84

1.06

1.30

1.50

1.75

2.00

2.32

2.62

2.96

3.31

3.72

4.19

4.74

con't

44

0.90

1.14

1.38

1.61

1.84

2.15

2.48

2.85

3.20

3.60

4.04

4.64

5.25

con't

45

0.98

1.23

1.47

1.70

1.99

2.31

2.69

3.09

3.51

3.93

4.46

5.14

5.75

con't

46

1.06

1.31

1.55

1.82

2.13

2.51

2.94

3.39

3.85

4.34

4.95

5.64

6.25

con't

47

1.15

1.39

1.64

1.95

2.31

2.72

3.21

3.71

4.21

4.81

5.43

6.13

6.76

con't

48

1.24

1.49

1.78

2.12

2.49

2.94

3.46

4.02

4.59

5.27

5.91

6.61

7.34

con't

49

1.31

1.61

1.95

2.29

2.71

3.17

3.72

4.36

4.96

5.66

6.37

7.19

8.12

con't

50

1.41

1.76

2.11

2.50

2.91

3.41

4.02

4.68

5.32

6.04

6.90

7.94

9.08

con't

51

1.53

1.94

2.33

2.73

3.16

3.67

4.29

4.97

5.69

6.52

7.57

8.88

10.19

con't

52

1.64

2.13

2.56

2.99

3.43

3.93

4.57

5.31

6.14

7.16

8.43

9.93

11.33

con't

53

1.73

2.29

2.77

3.25

3.72

4.26

4.95

5.81

6.76

7.98

9.45

11.06

12.18

con't

54

1.81

2.46

3.00

3.50

4.00

4.61

5.41

6.43

7.52

8.93

10.49

11.87

13.22

con't

55

1.90

2.63

3.24

3.76

4.30

5.03

5.99

7.14

8.36

9.86

11.21

12.83

14.45

con't

56

2.01

2.81

3.47

4.04

4.67

5.54

6.66

7.94

9.23

10.52

12.09

13.93

15.86

con't

57

2.12

2.98

3.72

4.39

5.14

6.15

7.39

8.76

10.09

11.63

13.43

15.44

17.49

con't

58

2.26

3.17

3.99

4.78

5.70

6.83

8.15

9.55

10.89

12.61

14.64

17.03

19.47

con't

59

2.44

3.39

4.32

5.24

6.31

7.56

8.94

10.32

11.67

13.60

15.89

18.70

21.75

con't

60

2.67

3.65

4.67

5.73

6.94

8.29

9.71

11.11

12.50

14.66

17.31

20.45

24.04

con't

61

2.92

3.94

5.04

6.22

7.58

9.02

10.49

11.91

13.34

15.82

18.78

22.16

25.90

con't

62

3.20

4.26

5.46

6.76

8.23

9.79

11.33

12.81

14.36

17.12

20.32

23.86

27.83

con't

63

3.43

4.63

5.98

7.40

8.99

10.65

12.30

13.93

15.67

18.67

22.05

25.84

30.15

con't

64

3.64

5.15

6.54

8.10

9.82

11.60

13.41

15.27

17.23

20.42

24.06

28.22

33.03

con't

65

3.83

5.55

7.14

8.89

10.74

12.68

14.66

16.72

18.92

22.39

26.39

31.04

36.44

con't

66

3.98

6.12

7.86

9.73

11.83

13.91

16.03

18.28

20.80

24.60

29.08

34.30

40.48

con't

67

4.23

6.76

8.65

10.68

13.06

15.29

17.56

20.01

22.81

27.08

32.11

38.07

45.07

con't

68

4.75

7.46

9.55

11.74

14.24

16.86

19.56

22.38

25.38

30.21

35.99

42.77

50.50

con't

69

5.25

8.25

10.55

12.91

15.05

18.67

21.46

24.35

27.72

33.22

39.71

47.14

55.79

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 80% Male, 20% Female Nonsmoker Select & Ultimate Age Nearest Birthday

 

Issue

Age

Duration

Att Age

14

15

16

17

18

19

20

21

22

23

24

25

Ultimate

35

2.63

2.90

3.16

3.46

3.79

4.18

4.60

5.10

5.66

6.26

6.90

7.56

8.61

60

36

2.85

3.15

3.45

3.77

4.16

4.58

5.05

5.61

6.20

6.84

7.52

8.24

9.54

61

37

3.10

3.43

3.77

4.14

4.55

5.03

5.54

6.14

6.77

7.46

8.21

9.11

10.65

62

38

3.33

3.71

4.11

4.54

4.99

5.51

6.07

6.70

7.40

8.18

9.07

10.20

11.89

63

39

3.61

4.03

4.49

4.95

5.49

6.05

6.65

7.34

8.14

9.04

10.16

11.42

13.19

64

40

3.94

4.40

4.89

5.44

6.01

6.62

7.28

8.09

9.00

10.11

11.32

12.64

14.57

65

41

4.33

4.85

5.40

5.97

6.59

7.26

8.02

8.95

10.05

11.24

12.59

13.83

15.98

66

42

4.80

5.38

5.92

6.53

7.21

8.00

8.89

9.97

11.15

12.47

13.77

14.92

17.43

67

43

5.32

5.89

6.44

7.15

7.95

8.86

9.88

11.06

12.30

13.59

14.84

16.31

19.00

68

44

5.83

6.40

7.06

7.87

8.81

9.84

10.95

12.18

13.46

14.76

16.13

17.78

20.63

69

45

6.31

6.94

7.76

8.72

9.77

10.88

12.05

13.30

14.60

15.93

17.68

19.63

22.58

70

46

6.83

7.66

8.63

9.69

10.84

12.02

13.20

14.48

15.78

17.47

19.54

21.87

24.77

71

47

7.48

8.49

9.60

10.78

11.98

13.19

14.38

15.63

17.27

19.32

21.78

24.49

27.59

72

48

8.28

9.45

10.70

11.93

13.16

14.38

15.52

17.08

19.08

21.54

24.39

27.30

30.56

73

49

9.20

10.50

11.87

13.11

14.34

15.50

16.91

18.88

21.30

24.11

27.20

30.23

33.70

74

50

10.33

11.65

13.06

14.27

15.44

16.86

18.70

21.08

23.86

26.89

30.10

33.30

37.13

75

51

11.51

12.73

14.18

15.35

16.74

18.63

20.86

23.61

26.60

29.77

33.18

36.66

40.87

76

52

12.36

13.79

15.23

16.61

18.51

20.76

23.38

26.34

29.47

32.84

36.54

40.41

45.16

77

53

13.43

14.90

16.46

18.36

20.63

23.05

26.10

29.19

32.51

36.16

40.30

44.67

50.13

78

54

14.68

16.30

18.18

20.44

22.95

25.72

28.93

32.22

35.83

39.91

44.57

49.59

55.80

79

55

16.13

18.00

20.25

22.78

25.51

28.50

31.94

35.51

39.54

44.14

49.49

55.23

61.96

80

56

17.80

20.04

22.66

25.39

28.24

31.40

35.17

39.16

43.72

49.02

55.10

61.33

69.14

81

57

19.81

22.51

25.23

28.10

31.11

34.58

38.79

43.30

48.55

54.59

61.20

68.20

76.68

82

58

22.13

25.06

27.93

30.99

34.24

38.12

42.90

48.08

54.07

60.63

68.08

75.38

84.66

83

59

24.65

27.72

30.78

34.13

37.74

42.14

47.65

53.56

60.05

67.44

75.25

83.07

93.44

84

60

27.26

30.54

33.90

37.65

41.72

46.80

53.07

59.50

66.80

74.54

82.91

91.47

103.20

85

61

30.05

33.64

37.40

41.61

46.31

52.10

58.96

66.19

73.84

82.14

91.32

100.83

113.55

86

62

32.33

37.13

41.42

46.17

51.56

57.88

65.62

73.18

81.40

90.49

100.67

111.10

125.45

87

63

35.13

40.92

46.04

51.40

57.25

64.39

72.55

80.68

89.71

99.78

110.95

122.13

138.03

88

64

38.62

45.21

51.23

57.06

63.67

71.19

80.00

88.94

98.93

109.98

121.98

133.86

151.17

89

65

42.83

50.32

56.86

63.45

70.39

78.48

88.19

98.10

109.07

120.96

133.73

146.14

164.28

90

66

47.72

55.86

63.29

70.19

77.61

86.50

97.27

108.12

119.93

132.62

145.99

158.82

174.76

91

67

53.02

62.01

70.03

77.43

85.58

95.45

107.22

118.93

131.50

144.78

158.71

170.89

186.81

92

68

59.50

68.94

77.26

85.39

94.43

105.25

117.97

130.42

143.63

157.44

170.79

183.40

200.83

93

69

65.30

75.37

85.22

94.25

104.17

115.83

129.40

142.51

156.22

169.51

183.31

197.81

216.81

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 80% Male, 20% Female Nonsmoker 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

5.82

9.13

11.67

14.24

15.90

20.61

23.36

26.49

31.94

38.32

45.61

54.12

63.54

con't

71

6.96

10.12

12.92

15.11

18.20

22.40

25.25

31.21

35.56

42.59

50.78

59.90

70.16

con't

72

8.67

11.20

14.29

17.28

20.49

24.01

27.91

32.31

37.38

45.07

53.61

63.28

74.29

con't

73

9.82

13.16

16.31

19.36

22.44

25.76

29.58

35.55

40.01

48.12

57.26

67.73

79.19

con't

74

11.22

14.45

17.88

21.35

24.74

28.20

33.80

38.45

43.56

52.51

62.54

74.06

86.53

con't

75

12.85

15.54

19.48

23.81

27.19

32.21

37.02

42.30

51.78

61.43

72.96

86.01

99.84

con't

76

13.47

17.25

21.54

26.21

30.64

35.57

40.95

49.75

60.23

71.74

84.70

99.30

114.54

con't

77

14.19

18.78

23.76

29.15

34.17

39.61

47.73

58.29

66.48

81.33

95.63

111.57

127.92

con't

78

15.32

20.46

26.24

32.91

38.41

45.88

56.49

65.06

80.14

94.55

110.39

127.80

145.28

con't

79

16.42

22.47

29.33

37.23

44.05

54.65

63.51

78.06

86.52

101.89

118.65

136.79

154.11

con't

80

17.80

25.16

33.17

42.45

53.02

62.14

76.20

84.76

97.87

114.51

132.47

150.79

169.03

con't

81

19.47

28.51

37.97

48.79

60.99

74.48

83.13

96.03

109.82

127.66

145.98

168.25

196.27

con't

82

21.55

32.76

43.88

56.34

70.13

81.64

94.33

107.94

117.51

144.35

166.90

196.10

210.02

con't

83

24.39

38.13

51.00

65.11

80.45

92.88

106.30

115.72

142.49

165.18

194.64

209.92

224.79

con't

84

28.87

44.62

59.25

74.92

91.64

104.88

114.11

140.68

163.24

192.67

208.06

224.70

239.39

con't

85

34.52

52.35

68.62

85.60

103.74

112.73

139.06

161.50

190.58

205.93

222.25

238.64

255.43

con't

86

42.27

61.30

78.99

97.53

111.71

137.76

159.90

188.69

203.67

219.89

235.93

253.71

273.26