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

 

 

Blended 40% Male, 60% 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

 

 

 

 

 

 

 

 

 

 

 

 

0.49

con't

5

 

 

 

 

 

 

 

 

 

 

 

0.48

0.54

con't

6

 

 

 

 

 

 

 

 

 

 

0.48

0.54

0.57

con't

7

 

 

 

 

 

 

 

 

 

0.48

0.53

0.57

0.61

con't

8

 

 

 

 

 

 

 

 

0.47

0.53

0.57

0.60

0.62

con't

9

 

 

 

 

 

 

 

0.47

0.52

0.56

0.60

0.61

0.62

con't

10

 

 

 

 

 

 

0.46

0.52

0.56

0.59

0.60

0.61

0.63

con't

11

 

 

 

 

 

0.45

0.51

0.56

0.58

0.59

0.60

0.62

0.63

con't

12

 

 

 

 

0.45

0.51

0.55

0.57

0.58

0.59

0.61

0.62

0.64

con't

13

 

 

 

0.45

0.51

0.54

0.56

0.57

0.58

0.60

0.61

0.64

0.65

con't

14

 

 

0.45

0.51

0.54

0.56

0.57

0.57

0.59

0.60

0.62

0.64

0.68

con't

15

 

0.45

0.51

0.54

0.55

0.56

0.57

0.57

0.59

0.61

0.63

0.67

0.70

con't

16

0.45

0.51

0.54

0.54

0.55

0.56

0.57

0.58

0.60

0.61

0.65

0.69

0.71

con't

17

0.51

0.54

0.54

0.54

0.55

0.56

0.57

0.59

0.60

0.64

0.67

0.70

0.72

con't

18

0.53

0.53

0.53

0.54

0.55

0.56

0.58

0.59

0.63

0.65

0.68

0.71

0.74

con't

19

0.51

0.51

0.52

0.53

0.54

0.56

0.57

0.61

0.63

0.65

0.68

0.72

0.76

con't

20

0.48

0.49

0.50

0.51

0.53

0.55

0.58

0.61

0.63

0.66

0.70

0.74

0.79

con't

21

0.45

0.46

0.47

0.50

0.51

0.55

0.58

0.60

0.64

0.67

0.71

0.77

0.82

con't

22

0.42

0.44

0.47

0.48

0.52

0.55

0.58

0.61

0.64

0.70

0.74

0.79

0.85

con't

23

0.39

0.42

0.44

0.48

0.52

0.55

0.58

0.63

0.67

0.72

0.77

0.83

0.89

con't

24

0.37

0.40

0.44

0.49

0.53

0.56

0.60

0.65

0.71

0.75

0.81

0.86

0.94

con't

25

0.33

0.39

0.44

0.50

0.53

0.58

0.63

0.68

0.73

0.80

0.85

0.91

0.99

con't

26

0.33

0.40

0.45

0.51

0.55

0.61

0.66

0.70

0.77

0.83

0.89

0.96

1.04

con't

27

0.34

0.40

0.46

0.53

0.58

0.63

0.68

0.75

0.80

0.87

0.94

1.02

1.11

con't

28

0.34

0.41

0.48

0.55

0.61

0.66

0.72

0.78

0.85

0.92

1.00

1.09

1.19

con't

29

0.35

0.43

0.51

0.57

0.63

0.70

0.75

0.83

0.89

0.98

1.07

1.16

1.27

con't

30

0.37

0.45

0.52

0.59

0.66

0.73

0.80

0.86

0.95

1.05

1.14

1.24

1.36

con't

31

0.38

0.47

0.54

0.62

0.69

0.77

0.85

0.92

1.00

1.09

1.20

1.33

1.49

con't

32

0.40

0.47

0.56

0.63

0.71

0.80

0.88

0.96

1.05

1.15

1.28

1.44

1.63

con't

33

0.42

0.50

0.58

0.67

0.75

0.85

0.94

1.02

1.11

1.23

1.39

1.57

1.79

con't

34

0.44

0.51

0.61

0.70

0.80

0.89

0.99

1.09

1.20

1.34

1.52

1.73

1.95

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 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

 

 

 

0.53

0.59

0.62

0.65

0.65

0.66

0.67

0.67

0.69

0.69

25

1

 

 

0.51

0.57

0.61

0.64

0.65

0.66

0.67

0.67

0.68

0.69

0.73

26

2

 

0.49

0.56

0.59

0.64

0.64

0.66

0.67

0.67

0.68

0.69

0.72

0.77

27

3

0.49

0.54

0.58

0.63

0.64

0.65

0.66

0.67

0.68

0.69

0.72

0.75

0.77

28

4

0.54

0.58

0.62

0.63

0.65

0.66

0.66

0.68

0.69

0.72

0.74

0.76

0.78

29

5

0.57

0.62

0.63

0.65

0.66

0.66

0.68

0.69

0.71

0.74

0.75

0.77

0.79

30

6

0.61

0.63

0.64

0.65

0.66

0.68

0.68

0.70

0.73

0.74

0.76

0.78

0.81

31

7

0.62

0.63

0.65

0.65

0.68

0.68

0.70

0.72

0.74

0.75

0.77

0.81

0.84

32

8

0.62

0.64

0.65

0.67

0.68

0.70

0.72

0.74

0.75

0.77

0.81

0.83

0.87

33

9

0.63

0.64

0.66

0.68

0.70

0.72

0.74

0.75

0.77

0.81

0.83

0.87

0.92

34

10

0.63

0.66

0.67

0.69

0.72

0.74

0.75

0.77

0.81

0.83

0.87

0.92

0.97

35

11

0.65

0.66

0.69

0.71

0.73

0.75

0.77

0.80

0.83

0.86

0.91

0.96

1.03

36

12

0.66

0.69

0.71

0.73

0.75

0.77

0.80

0.83

0.86

0.91

0.96

1.03

1.10

37

13

0.69

0.71

0.73

0.75

0.77

0.80

0.83

0.86

0.91

0.96

1.03

1.09

1.16

38

14

0.71

0.73

0.75

0.77

0.80

0.83

0.86

0.91

0.96

1.02

1.08

1.15

1.23

39

15

0.72

0.74

0.77

0.80

0.83

0.86

0.91

0.96

1.02

1.08

1.15

1.23

1.30

40

16

0.74

0.77

0.80

0.83

0.86

0.91

0.96

1.02

1.08

1.15

1.23

1.29

1.39

41

17

0.75

0.79

0.82

0.86

0.91

0.96

1.02

1.08

1.15

1.23

1.29

1.39

1.50

42

18

0.78

0.82

0.85

0.91

0.96

1.02

1.08

1.15

1.23

1.29

1.39

1.50

1.63

43

19

0.81

0.85

0.90

0.96

1.02

1.08

1.15

1.23

1.29

1.39

1.50

1.63

1.78

44

20

0.83

0.90

0.96

1.02

1.08

1.15

1.23

1.29

1.39

1.50

1.63

1.78

1.96

45

21

0.88

0.94

1.02

1.08

1.15

1.22

1.29

1.39

1.50

1.63

1.78

1.96

2.14

46

22

0.91

1.00

1.07

1.14

1.22

1.29

1.39

1.50

1.63

1.78

1.96

2.14

2.36

47

23

0.97

1.04

1.13

1.21

1.29

1.39

1.50

1.63

1.78

1.96

2.14

2.36

2.55

48

24

1.01

1.10

1.20

1.28

1.38

1.49

1.63

1.78

1.96

2.14

2.35

2.55

2.75

49

25

1.07

1.16

1.27

1.37

1.49

1.62

1.78

1.96

2.14

2.34

2.55

2.75

3.01

50

26

1.14

1.24

1.36

1.48

1.61

1.78

1.96

2.14

2.34

2.55

2.75

3.01

3.31

51

27

1.22

1.33

1.47

1.61

1.77

1.95

2.14

2.34

2.54

2.75

3.01

3.31

3.67

52

28

1.31

1.43

1.60

1.75

1.94

2.13

2.32

2.54

2.75

3.01

3.31

3.67

4.05

53

29

1.40

1.56

1.74

1.93

2.12

2.32

2.53

2.75

3.01

3.31

3.67

4.05

4.50

54

30

1.52

1.69

1.90

2.09

2.30

2.52

2.74

3.00

3.31

3.66

4.04

4.49

5.01

55

31

1.66

1.87

2.07

2.28

2.51

2.73

2.99

3.30

3.64

4.03

4.48

4.97

5.56

56

32

1.83

2.05

2.26

2.49

2.72

2.98

3.27

3.62

4.02

4.47

4.94

5.49

6.15

57

33

2.00

2.23

2.47

2.70

2.96

3.25

3.60

4.00

4.44

4.93

5.45

6.04

6.72

58

34

2.19

2.44

2.68

2.95

3.24

3.58

3.96

4.40

4.88

5.41

5.98

6.58

7.33

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 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

0.46

0.54

0.63

0.73

0.83

0.95

1.06

1.19

1.32

1.48

1.68

1.89

2.14

con't

36

0.48

0.57

0.67

0.78

0.89

1.00

1.14

1.29

1.46

1.65

1.84

2.08

2.35

con't

37

0.50

0.59

0.70

0.81

0.93

1.07

1.24

1.42

1.61

1.81

2.03

2.27

2.55

con't

38

0.53

0.64

0.75

0.87

1.00

1.16

1.35

1.56

1.77

1.99

2.22

2.47

2.78

con't

39

0.57

0.69

0.80

0.94

1.09

1.26

1.49

1.70

1.93

2.17

2.41

2.70

3.03

con't

40

0.61

0.74

0.87

1.02

1.19

1.40

1.62

1.87

2.11

2.35

2.63

2.96

3.33

con't

41

0.65

0.81

0.96

1.12

1.32

1.54

1.79

2.04

2.29

2.57

2.90

3.26

3.65

con't

42

0.71

0.89

1.06

1.25

1.45

1.69

1.96

2.22

2.50

2.83

3.18

3.58

4.02

con't

43

0.77

0.96

1.16

1.36

1.59

1.84

2.12

2.41

2.74

3.09

3.48

3.93

4.43

con't

44

0.83

1.04

1.26

1.49

1.72

2.00

2.30

2.64

2.99

3.36

3.80

4.32

4.87

con't

45

0.91

1.13

1.37

1.60

1.87

2.17

2.51

2.89

3.27

3.69

4.17

4.76

5.33

con't

46

0.99

1.23

1.47

1.73

2.03

2.38

2.76

3.16

3.59

4.06

4.59

5.22

5.81

con't

47

1.08

1.32

1.58

1.87

2.22

2.59

3.01

3.46

3.92

4.45

5.03

5.67

6.30

con't

48

1.18

1.43

1.71

2.04

2.39

2.79

3.26

3.75

4.27

4.87

5.47

6.13

6.83

con't

49

1.24

1.52

1.87

2.21

2.59

3.02

3.51

4.05

4.60

5.23

5.89

6.64

7.47

con't

50

1.31

1.67

2.02

2.38

2.78

3.23

3.77

4.34

4.93

5.60

6.36

7.25

8.22

con't

51

1.41

1.84

2.21

2.58

3.00

3.46

4.02

4.62

5.28

6.01

6.90

7.96

9.06

con't

52

1.51

2.02

2.41

2.79

3.22

3.69

4.27

4.92

5.65

6.53

7.55

8.74

9.92

con't

53

1.59

2.17

2.59

3.01

3.45

3.96

4.57

5.31

6.13

7.13

8.29

9.58

10.67

con't

54

1.67

2.32

2.79

3.22

3.69

4.24

4.93

5.76

6.69

7.81

9.06

10.28

11.55

con't

55

1.76

2.48

3.00

3.45

3.95

4.57

5.36

6.28

7.29

8.50

9.70

11.09

12.57

con't

56

1.89

2.66

3.23

3.72

4.26

4.97

5.86

6.88

7.96

9.11

10.46

12.03

13.71

con't

57

1.99

2.83

3.48

4.02

4.65

5.44

6.42

7.52

8.66

9.97

11.50

13.21

15.05

con't

58

2.10

3.02

3.74

4.35

5.09

5.99

7.03

8.18

9.37

10.84

12.52

14.50

16.61

con't

59

2.28

3.22

4.04

4.74

5.57

6.56

7.67

8.86

10.11

11.74

13.64

15.91

18.42

con't

60

2.44

3.44

4.35

5.14

6.07

7.15

8.33

9.59

10.92

12.74

14.90

17.42

20.31

con't

61

2.63

3.68

4.67

5.55

6.59

7.76

9.02

10.34

11.79

13.84

16.27

19.02

22.11

con't

62

2.86

3.95

5.01

5.97

7.11

8.39

9.74

11.18

12.77

15.07

17.73

20.71

24.04

con't

63

3.08

4.24

5.41

6.45

7.69

9.06

10.55

12.15

13.94

16.49

19.38

22.63

26.32

con't

64

3.33

4.91

5.83

6.97

8.30

9.80

11.45

13.26

15.28

18.06

21.23

24.86

28.98

con't

65

3.58

5.25

6.29

7.52

8.97

10.61

12.43

14.46

16.74

19.81

23.36

27.41

32.03

con't

66

3.75

5.71

6.81

8.14

9.76

11.55

13.54

15.80

18.38

21.81

25.77

30.34

35.58

con't

67

3.95

6.21

7.39

8.84

10.65

12.61

14.80

17.29

20.19

24.05

28.51

33.67

39.60

con't

68

4.41

6.76

8.07

9.64

11.59

13.84

16.37

19.21

22.41

26.76

31.82

37.65

44.21

con't

69

4.87

7.38

8.81

10.53

12.41

15.26

18.00

21.07

24.66

29.56

35.25

41.68

48.99

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 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

2.40

2.65

2.92

3.23

3.57

3.94

4.36

4.84

5.36

5.92

6.52

7.16

8.00

60

36

2.61

2.91

3.21

3.55

3.92

4.34

4.79

5.31

5.88

6.46

7.12

7.79

8.78

61

37

2.86

3.19

3.53

3.90

4.31

4.77

5.26

5.82

6.41

7.06

7.75

8.55

9.68

62

38

3.11

3.48

3.86

4.28

4.73

5.22

5.77

6.36

7.01

7.72

8.50

9.43

10.65

63

39

3.41

3.79

4.23

4.69

5.19

5.74

6.31

6.96

7.68

8.47

9.39

10.40

11.68

64

40

3.72

4.16

4.63

5.14

5.69

6.27

6.91

7.63

8.44

9.36

10.34

11.40

12.79

65

41

4.09

4.57

5.09

5.65

6.23

6.88

7.58

8.40

9.32

10.30

11.37

12.42

13.96

66

42

4.51

5.04

5.58

6.17

6.83

7.55

8.35

9.26

10.25

11.31

12.38

13.43

15.20

67

43

4.96

5.53

6.09

6.77

7.50

8.31

9.21

10.19

11.22

12.29

13.38

14.63

16.54

68

44

5.44

6.02

6.67

7.41

8.25

9.16

10.12

11.16

12.22

13.33

14.54

15.92

17.98

69

45

5.91

6.55

7.30

8.16

9.08

10.06

11.09

12.14

13.26

14.44

15.87

17.46

19.64

70

46

6.42

7.18

8.04

8.97

9.98

11.04

12.09

13.20

14.36

15.76

17.41

19.27

21.52

71

47

7.00

7.88

8.84

9.87

10.95

12.07

13.14

14.29

15.66

17.30

19.21

21.36

23.80

72

48

7.68

8.67

9.73

10.82

11.96

13.14

14.23

15.56

17.17

19.09

21.31

23.62

26.23

73

49

8.43

9.52

10.69

11.83

13.02

14.21

15.47

17.08

18.98

21.17

23.57

26.03

28.82

74

50

9.29

10.44

11.67

12.86

14.09

15.44

16.99

18.87

21.05

23.42

25.97

28.61

31.68

75

51

10.20

11.35

12.66

13.89

15.29

16.94

18.76

20.93

23.28

25.81

28.55

31.41

34.79

76

52

10.97

12.29

13.66

15.06

16.79

18.69

20.82

23.15

25.67

28.38

31.36

34.53

38.29

77

53

11.89

13.29

14.77

16.53

18.55

20.62

23.03

25.53

28.22

31.17

34.48

38.00

42.25

78

54

12.94

14.48

16.22

18.24

20.48

22.82

25.40

28.07

31.01

34.29

37.94

41.92

46.65

79

55

14.13

15.88

17.91

20.18

22.64

25.15

27.94

30.86

34.11

37.74

41.88

46.32

51.46

80

56

15.51

17.54

19.86

22.35

25.00

27.63

30.69

33.92

37.54

41.65

46.25

51.08

57.45

81

57

17.12

19.48

21.97

24.67

27.45

30.35

33.72

37.32

41.41

46.01

50.99

56.36

63.93

82

58

18.96

21.54

24.26

27.19

30.14

33.35

37.12

41.17

45.74

50.73

56.30

61.99

70.55

83

59

20.98

23.78

26.71

29.97

33.11

36.69

40.95

45.48

50.43

55.98

61.89

68.00

77.83

84

60

23.16

26.19

29.44

33.01

36.44

40.47

45.23

50.15

55.65

61.56

67.92

74.56

85.94

85

61

25.54

28.89

32.50

36.32

40.18

44.69

49.85

55.33

61.18

67.54

74.48

81.82

93.85

86

62

27.83

31.94

36.02

40.04

44.37

49.28

55.02

60.84

67.16

74.07

81.69

89.73

104.24

87

63

30.51

35.31

39.92

44.21

48.92

54.38

60.49

66.77

73.67

81.25

89.59

98.20

115.11

88

64

33.68

39.07

44.07

48.73

53.96

59.79

66.36

73.25

80.82

89.11

98.05

107.28

126.54

89

65

37.36

43.43

48.56

53.76

59.33

65.57

72.79

80.36

88.61

97.53

107.12

116.99

137.35

90

66

41.59

48.07

53.65

59.20

65.14

72.01

79.94

88.13

97.02

106.61

116.80

127.22

143.93

91

67

46.23

53.06

59.10

65.05

71.59

79.10

87.70

96.54

106.08

116.24

127.13

137.76

154.06

92

68

51.65

58.58

64.95

71.47

78.63

86.86

96.13

105.58

115.76

126.55

137.68

149.15

167.98

93

69

56.92

64.10

71.35

78.53

86.34

95.19

105.14

115.30

126.06

137.17

149.06

161.84

185.21

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 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

5.39

8.06

9.67

11.58

13.33

16.86

19.75

23.15

27.98

33.56

39.89

47.15

55.16

con't

71

6.24

8.82

10.64

12.47

15.06

18.50

21.65

26.62

31.18

37.37

44.45

52.32

61.10

con't

72

8.10

9.66

11.71

14.07

16.88

20.21

24.08

28.57

33.78

40.61

48.22

56.72

66.24

con't

73

8.97

10.97

13.18

15.72

18.68

22.13

26.23

31.75

37.01

44.41

52.66

61.96

70.95

con't

74

10.00

12.03

14.53

17.47

20.78

24.56

29.78

35.02

40.96

49.11

58.20

68.37

78.01

con't

75

11.17

13.08

16.02

19.59

23.14

27.93

33.10

39.02

47.31

56.18

66.32

77.60

87.89

con't

76

11.93

14.55

17.86

21.81

26.14

31.20

36.97

44.81

53.93

63.99

75.15

87.52

98.67

con't

77

12.91

16.11

19.96

24.51

29.39

35.00

42.37

51.36

59.85

71.82

84.00

97.40

109.22

con't

78

14.28

17.94

22.42

27.82

33.24

40.08

48.91

57.43

69.30

81.48

94.71

109.17

121.53

con't

79

15.20

20.20

25.43

31.67

37.98

46.58

55.01

66.47

75.99

89.03

103.21

118.21

130.95

con't

80

16.66

23.10

29.09

36.24

44.54

52.81

63.85

73.20

85.12

99.16

114.27

129.65

143.15

con't

81

18.41

26.65

33.55

41.65

50.98

61.46

70.58

82.18

94.87

109.88

125.67

142.88

160.31

con't

82

20.45

31.02

38.89

47.98

58.27

68.26

79.48

91.81

103.39

122.34

140.17

160.17

173.41

con't

83

22.86

36.31

45.20

55.25

66.46

77.20

89.06

100.26

118.86

136.62

157.31

173.38

187.94

con't

84

27.38

42.39

52.46

63.38

75.40

86.81

97.53

115.68

132.96

153.41

169.85

187.91

203.61

con't

85

32.50

49.47

60.67

72.31

85.18

95.26

112.84

129.69

149.60

165.75

183.38

202.35

220.91

con't

86

40.73

57.57

69.59

82.26

93.80

110.71

126.91

146.20

161.75

179.01

197.51

217.97

240.36

con't

87

47.77

66.54

79.64

93.36

109.43

124.78

143.39