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

 

 

Blended 20% Male, 80% 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

 

 

 

 

 

 

 

 

 

 

 

 

0.43

con't

5

 

 

 

 

 

 

 

 

 

 

 

0.42

0.46

con't

6

 

 

 

 

 

 

 

 

 

 

0.42

0.46

0.48

con't

7

 

 

 

 

 

 

 

 

 

0.42

0.45

0.47

0.51

con't

8

 

 

 

 

 

 

 

 

0.41

0.45

0.47

0.50

0.52

con't

9

 

 

 

 

 

 

 

0.41

0.44

0.47

0.50

0.51

0.52

con't

10

 

 

 

 

 

 

0.40

0.44

0.46

0.49

0.50

0.51

0.53

con't

11

 

 

 

 

 

0.39

0.43

0.46

0.48

0.49

0.50

0.52

0.54

con't

12

 

 

 

 

0.39

0.42

0.45

0.47

0.48

0.49

0.51

0.53

0.55

con't

13

 

 

 

0.39

0.42

0.44

0.46

0.47

0.48

0.50

0.52

0.54

0.56

con't

14

 

 

0.39

0.42

0.44

0.45

0.47

0.47

0.49

0.51

0.53

0.55

0.59

con't

15

 

0.39

0.42

0.44

0.45

0.46

0.47

0.47

0.50

0.51

0.54

0.58

0.61

con't

16

0.39

0.42

0.44

0.44

0.45

0.46

0.47

0.49

0.51

0.52

0.56

0.60

0.62

con't

17

0.42

0.44

0.44

0.44

0.45

0.46

0.48

0.50

0.51

0.55

0.58

0.61

0.65

con't

18

0.43

0.43

0.43

0.44

0.45

0.47

0.48

0.51

0.54

0.57

0.60

0.64

0.69

con't

19

0.42

0.42

0.43

0.44

0.45

0.46

0.49

0.52

0.56

0.58

0.62

0.67

0.71

con't

20

0.39

0.40

0.41

0.43

0.44

0.47

0.51

0.54

0.56

0.60

0.65

0.71

0.75

con't

21

0.37

0.38

0.40

0.42

0.44

0.48

0.52

0.53

0.59

0.63

0.68

0.73

0.79

con't

22

0.34

0.37

0.40

0.42

0.46

0.50

0.52

0.56

0.61

0.67

0.71

0.77

0.82

con't

23

0.32

0.35

0.38

0.42

0.47

0.50

0.54

0.60

0.64

0.69

0.75

0.80

0.86

con't

24

0.31

0.35

0.39

0.43

0.47

0.51

0.57

0.62

0.68

0.73

0.79

0.84

0.91

con't

25

0.29

0.35

0.39

0.44

0.49

0.54

0.60

0.65

0.71

0.77

0.82

0.89

0.95

con't

26

0.29

0.35

0.40

0.46

0.51

0.57

0.62

0.68

0.74

0.80

0.87

0.93

1.00

con't

27

0.30

0.35

0.42

0.48

0.54

0.59

0.65

0.71

0.77

0.84

0.90

0.97

1.07

con't

28

0.31

0.37

0.44

0.50

0.56

0.62

0.68

0.74

0.81

0.87

0.95

1.04

1.13

con't

29

0.33

0.40

0.47

0.52

0.58

0.65

0.70

0.78

0.84

0.92

1.01

1.10

1.20

con't

30

0.35

0.42

0.48

0.55

0.61

0.68

0.74

0.80

0.88

0.98

1.07

1.17

1.29

con't

31

0.37

0.44

0.50

0.57

0.63

0.71

0.78

0.85

0.94

1.03

1.13

1.26

1.40

con't

32

0.38

0.45

0.52

0.59

0.66

0.74

0.81

0.90

0.99

1.09

1.22

1.36

1.54

con't

33

0.41

0.47

0.54

0.62

0.69

0.78

0.88

0.96

1.05

1.18

1.32

1.49

1.68

con't

34

0.42

0.48

0.56

0.65

0.73

0.83

0.93

1.03

1.15

1.28

1.45

1.63

1.85

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 20% Male, 80% 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

 

 

 

0.46

0.50

0.52

0.55

0.55

0.56

0.57

0.58

0.59

0.60

25

1

 

 

0.45

0.48

0.51

0.54

0.55

0.56

0.57

0.58

0.58

0.60

0.63

26

2

 

0.43

0.48

0.50

0.54

0.54

0.56

0.57

0.58

0.58

0.60

0.62

0.67

27

3

0.43

0.47

0.49

0.53

0.54

0.55

0.56

0.58

0.58

0.60

0.62

0.66

0.67

28

4

0.47

0.49

0.52

0.53

0.55

0.56

0.57

0.58

0.60

0.62

0.65

0.66

0.70

29

5

0.48

0.52

0.53

0.54

0.56

0.57

0.58

0.60

0.62

0.65

0.66

0.70

0.72

30

6

0.51

0.52

0.54

0.55

0.57

0.58

0.60

0.61

0.64

0.66

0.68

0.71

0.75

31

7

0.52

0.53

0.55

0.56

0.58

0.59

0.61

0.64

0.65

0.68

0.71

0.75

0.78

32

8

0.52

0.54

0.56

0.57

0.59

0.61

0.64

0.65

0.68

0.71

0.75

0.77

0.82

33

9

0.53

0.55

0.57

0.59

0.61

0.63

0.65

0.68

0.71

0.75

0.77

0.82

0.87

34

10

0.55

0.56

0.58

0.60

0.63

0.65

0.68

0.71

0.75

0.77

0.82

0.87

0.93

35

11

0.55

0.58

0.60

0.63

0.65

0.68

0.71

0.74

0.77

0.81

0.86

0.92

0.99

36

12

0.57

0.59

0.63

0.65

0.67

0.71

0.74

0.77

0.81

0.86

0.92

0.99

1.06

37

13

0.59

0.62

0.65

0.67

0.71

0.74

0.77

0.81

0.86

0.92

0.99

1.04

1.11

38

14

0.62

0.64

0.67

0.71

0.74

0.77

0.81

0.86

0.92

0.98

1.04

1.10

1.18

39

15

0.63

0.67

0.71

0.74

0.77

0.81

0.86

0.92

0.98

1.04

1.10

1.18

1.25

40

16

0.67

0.71

0.74

0.77

0.81

0.86

0.92

0.98

1.04

1.09

1.18

1.24

1.33

41

17

0.69

0.73

0.77

0.81

0.86

0.92

0.98

1.04

1.09

1.18

1.24

1.33

1.43

42

18

0.73

0.77

0.80

0.86

0.92

0.98

1.04

1.09

1.18

1.24

1.33

1.43

1.54

43

19

0.76

0.80

0.86

0.92

0.98

1.04

1.09

1.18

1.24

1.33

1.43

1.54

1.68

44

20

0.80

0.86

0.92

0.98

1.04

1.09

1.18

1.24

1.33

1.43

1.54

1.68

1.83

45

21

0.85

0.90

0.98

1.03

1.09

1.17

1.24

1.33

1.43

1.54

1.68

1.83

2.01

46

22

0.88

0.96

1.02

1.09

1.17

1.24

1.33

1.43

1.54

1.68

1.83

2.01

2.21

47

23

0.94

1.00

1.08

1.15

1.23

1.33

1.43

1.54

1.68

1.83

2.01

2.21

2.42

48

24

0.98

1.05

1.14

1.22

1.31

1.42

1.54

1.68

1.83

2.01

2.21

2.42

2.64

49

25

1.02

1.11

1.21

1.31

1.41

1.53

1.68

1.83

2.01

2.20

2.42

2.64

2.91

50

26

1.09

1.18

1.29

1.41

1.52

1.68

1.83

2.01

2.20

2.42

2.64

2.91

3.21

51

27

1.16

1.26

1.39

1.51

1.66

1.82

2.01

2.20

2.42

2.64

2.91

3.21

3.57

52

28

1.24

1.36

1.50

1.65

1.81

2.00

2.18

2.42

2.64

2.91

3.21

3.57

3.95

53

29

1.32

1.47

1.63

1.80

1.99

2.17

2.40

2.64

2.91

3.21

3.57

3.95

4.37

54

30

1.43

1.60

1.77

1.97

2.16

2.39

2.62

2.90

3.21

3.56

3.94

4.36

4.84

55

31

1.57

1.74

1.94

2.14

2.38

2.61

2.88

3.20

3.55

3.93

4.36

4.82

5.37

56

32

1.71

1.92

2.12

2.36

2.60

2.87

3.16

3.52

3.92

4.34

4.80

5.33

5.92

57

33

1.89

2.10

2.34

2.58

2.85

3.14

3.49

3.89

4.31

4.79

5.30

5.86

6.49

58

34

2.06

2.31

2.56

2.83

3.13

3.47

3.85

4.28

4.74

5.26

5.81

6.40

7.07

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 20% Male, 80% 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

0.43

0.51

0.58

0.67

0.77

0.88

0.99

1.13

1.26

1.42

1.59

1.81

2.02

con't

36

0.45

0.53

0.62

0.72

0.83

0.94

1.08

1.22

1.40

1.57

1.76

1.98

2.24

con't

37

0.47

0.55

0.65

0.76

0.87

1.02

1.17

1.35

1.52

1.73

1.94

2.18

2.45

con't

38

0.49

0.60

0.70

0.81

0.95

1.09

1.28

1.46

1.68

1.89

2.13

2.39

2.68

con't

39

0.53

0.64

0.75

0.89

1.03

1.20

1.40

1.62

1.83

2.08

2.32

2.61

2.93

con't

40

0.58

0.69

0.82

0.96

1.13

1.32

1.54

1.77

2.01

2.26

2.55

2.86

3.23

con't

41

0.62

0.76

0.90

1.06

1.24

1.46

1.68

1.93

2.19

2.48

2.79

3.16

3.54

con't

42

0.67

0.83

0.99

1.17

1.37

1.59

1.86

2.11

2.40

2.71

3.07

3.47

3.88

con't

43

0.73

0.91

1.09

1.29

1.51

1.76

2.02

2.31

2.62

2.97

3.37

3.79

4.27

con't

44

0.80

0.99

1.20

1.42

1.66

1.92

2.21

2.53

2.88

3.25

3.68

4.15

4.69

con't

45

0.88

1.09

1.31

1.55

1.81

2.10

2.42

2.78

3.16

3.56

4.02

4.57

5.12

con't

46

0.96

1.19

1.43

1.68

1.98

2.31

2.67

3.05

3.46

3.91

4.42

5.00

5.59

con't

47

1.04

1.29

1.55

1.83

2.17

2.52

2.91

3.33

3.77

4.28

4.83

5.44

6.06

con't

48

1.14

1.40

1.68

2.00

2.34

2.72

3.15

3.61

4.11

4.66

5.25

5.89

6.58

con't

49

1.20

1.48

1.83

2.17

2.53

2.94

3.40

3.90

4.42

5.02

5.65

6.37

7.15

con't

50

1.27

1.62

1.98

2.33

2.71

3.14

3.64

4.17

4.74

5.38

6.09

6.91

7.79

con't

51

1.35

1.79

2.15

2.50

2.92

3.36

3.88

4.45

5.07

5.77

6.57

7.50

8.50

con't

52

1.44

1.97

2.33

2.69

3.11

3.57

4.12

4.73

5.42

6.21

7.12

8.16

9.22

con't

53

1.52

2.11

2.50

2.89

3.32

3.81

4.38

5.06

5.82

6.71

7.72

8.85

9.93

con't

54

1.60

2.25

2.68

3.08

3.53

4.06

4.69

5.43

6.27

7.25

8.36

9.50

10.72

con't

55

1.69

2.41

2.89

3.30

3.77

4.35

5.04

5.86

6.77

7.84

8.96

10.24

11.63

con't

56

1.83

2.58

3.11

3.55

4.06

4.69

5.46

6.35

7.34

8.41

9.66

11.09

12.67

con't

57

1.93

2.76

3.36

3.83

4.40

5.10

5.94

6.91

7.95

9.16

10.55

12.13

13.85

con't

58

2.03

2.94

3.61

4.14

4.79

5.57

6.47

7.51

8.62

9.96

11.50

13.27

15.23

con't

59

2.19

3.13

3.90

4.50

5.21

6.07

7.05

8.14

9.35

10.83

12.54

14.56

16.80

con't

60

2.33

3.34

4.19

4.85

5.65

6.59

7.66

8.85

10.16

11.80

13.74

15.96

18.53

con't

61

2.48

3.56

4.48

5.22

6.10

7.14

8.29

9.58

11.03

12.89

15.05

17.51

20.29

con't

62

2.68

3.79

4.80

5.59

6.56

7.70

8.97

10.39

12.01

14.08

16.49

19.20

22.25

con't

63

2.91

4.04

5.13

5.99

7.05

8.28

9.69

11.29

13.10

15.44

18.10

21.11

24.51

con't

64

3.17

4.79

5.48

6.41

7.56

8.92

10.50

12.29

14.34

16.93

19.89

23.27

27.09

con't

65

3.46

5.10

5.86

6.86

8.11

9.61

11.36

13.38

15.69

18.59

21.93

25.72

29.99

con't

66

3.63

5.51

6.30

7.37

8.76

10.40

12.34

14.61

17.24

20.49

24.22

28.50

33.34

con't

67

3.81

5.94

6.77

7.95

9.49

11.32

13.48

16.00

18.96

22.64

26.85

31.65

37.12

con't

68

4.24

6.41

7.35

8.62

10.32

12.39

14.86

17.72

21.03

25.16

29.91

35.33

41.40

con't

69

4.68

6.96

7.98

9.39

11.15

13.65

16.36

19.54

23.24

27.89

33.23

39.25

46.01

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 20% Male, 80% 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

2.28

2.53

2.81

3.11

3.45

3.82

4.23

4.70

5.21

5.75

6.34

6.95

7.70

60

36

2.50

2.79

3.09

3.44

3.80

4.21

4.65

5.16

5.71

6.28

6.91

7.57

8.40

61

37

2.74

3.06

3.40

3.78

4.18

4.63

5.12

5.65

6.24

6.86

7.53

8.26

9.20

62

38

3.00

3.36

3.74

4.14

4.60

5.08

5.61

6.19

6.81

7.49

8.22

9.05

10.04

63

39

3.30

3.68

4.09

4.56

5.04

5.58

6.14

6.76

7.45

8.18

9.01

9.90

10.94

64

40

3.62

4.03

4.50

4.99

5.53

6.10

6.72

7.40

8.15

8.98

9.86

10.79

11.92

65

41

3.97

4.43

4.94

5.48

6.06

6.68

7.36

8.12

8.95

9.83

10.77

11.73

12.97

66

42

4.36

4.88

5.41

5.99

6.63

7.32

8.07

8.92

9.80

10.74

11.71

12.69

14.10

67

43

4.79

5.35

5.92

6.57

7.27

8.04

8.87

9.76

10.69

11.66

12.67

13.81

15.35

68

44

5.24

5.84

6.47

7.19

7.97

8.83

9.72

10.66

11.62

12.64

13.76

15.02

16.69

69

45

5.72

6.35

7.08

7.88

8.75

9.66

10.63

11.58

12.60

13.70

15.00

16.41

18.22

70

46

6.21

6.95

7.75

8.62

9.56

10.57

11.55

12.57

13.66

14.94

16.37

18.01

19.95

71

47

6.76

7.58

8.47

9.43

10.45

11.53

12.54

13.62

14.89

16.32

17.97

19.84

21.98

72

48

7.37

8.28

9.26

10.28

11.38

12.53

13.59

14.83

16.25

17.91

19.82

21.85

24.16

73

49

8.04

9.04

10.11

11.21

12.37

13.57

14.79

16.20

17.86

19.75

21.83

24.03

26.51

74

50

8.78

9.85

11.00

12.16

13.42

14.77

16.15

17.80

19.69

21.75

24.00

26.38

29.11

75

51

9.57

10.68

11.92

13.17

14.59

16.12

17.75

19.63

21.68

23.92

26.36

28.94

31.95

76

52

10.30

11.55

12.88

14.31

15.95

17.70

19.58

21.62

23.85

26.27

28.91

31.78

35.11

77

53

11.14

12.49

13.96

15.65

17.54

19.45

21.56

23.78

26.20

28.82

31.76

34.91

38.64

78

54

12.08

13.60

15.27

17.18

19.28

21.43

23.70

26.11

28.74

31.66

34.88

38.41

42.51

79

55

13.16

14.85

16.79

18.92

21.26

23.55

26.04

28.67

31.58

34.78

38.39

42.30

46.78

80

56

14.40

16.33

18.51

20.89

23.45

25.84

28.57

31.47

34.68

38.27

42.24

46.52

52.32

81

57

15.82

18.02

20.40

23.03

25.72

28.36

31.35

34.56

38.14

42.13

46.45

51.16

58.43

82

58

17.43

19.85

22.50

25.39

28.21

31.12

34.44

38.00

41.97

46.31

51.13

56.21

64.59

83

59

19.22

21.89

24.78

28.00

30.95

34.17

37.88

41.82

46.15

50.95

56.13

61.64

71.37

84

60

21.20

24.12

27.33

30.84

33.99

37.57

41.68

45.98

50.75

55.96

61.59

67.56

78.97

85

61

23.40

26.64

30.21

33.87

37.37

41.34

45.78

50.57

55.72

61.37

67.51

74.14

86.11

86

62

25.71

29.51

33.52

37.23

41.12

45.45

50.37

55.52

61.14

67.27

74.03

81.33

96.15

87

63

28.36

32.71

37.12

40.96

45.20

49.98

55.30

60.89

67.04

73.76

81.20

89.07

106.65

88

64

31.39

36.26

40.83

45.02

49.70

54.87

60.59

66.76

73.50

80.90

88.92

97.46

117.77

89

65

34.86

40.32

44.87

49.50

54.56

60.12

66.42

73.19

80.57

88.59

97.29

106.61

128.12

90

66

38.82

44.60

49.42

54.46

59.87

66.01

72.94

80.28

88.28

97.02

106.41

116.39

133.81

91

67

43.20

49.13

54.38

59.83

65.80

72.50

80.03

88.00

96.70

106.08

116.30

126.88

143.81

92

68

48.21

54.10

59.75

65.71

72.24

79.63

87.80

96.41

105.84

115.97

126.81

138.43

158.22

93

69

53.31

59.34

65.61

72.19

79.34

87.32

96.19

105.61

115.72

126.55

138.34

151.15

176.29

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 20% Male, 80% 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

5.18

7.54

8.71

10.30

12.11

15.09

18.07

21.60

26.16

31.41

37.34

44.09

51.54

con't

71

5.89

8.20

9.55

11.21

13.58

16.68

19.98

24.52

29.20

35.04

41.67

49.05

57.27

con't

72

7.83

8.92

10.50

12.56

15.20

18.45

22.33

26.88

32.18

38.65

45.90

53.96

62.90

con't

73

8.56

9.93

11.71

14.03

16.94

20.46

24.71

30.05

35.70

42.80

50.72

59.57

67.62

con't

74

9.42

10.89

12.97

15.68

18.97

22.91

27.98

33.52

39.84

47.67

56.40

66.07

74.66

con't

75

10.37

11.94

14.42

17.65

21.31

26.03

31.38

37.60

45.42

54.00

63.64

74.30

83.33

con't

76

11.22

13.30

16.18

19.82

24.13

29.28

35.26

42.72

51.31

60.85

71.41

83.03

92.82

con't

77

12.32

14.89

18.25

22.44

27.29

33.02

40.11

48.49

57.17

68.08

79.56

92.17

102.57

con't

78

13.80

16.81

20.71

25.59

31.01

37.63

45.77

54.35

65.04

76.49

88.92

102.54

113.39

con't

79

14.64

19.20

23.72

29.27

35.42

43.24

51.58

61.92

71.98

84.28

97.71

111.84

123.35

con't

80

16.15

22.20

27.33

33.62

41.03

49.04

58.99

68.78

80.42

93.70

108.03

122.70

135.06

con't

81

17.95

25.84

31.68

38.69

46.93

56.34

65.79

77.07

89.55

103.79

119.01

134.93

149.63

con't

82

19.98

30.28

36.83

44.60

53.61

63.15

73.99

86.06

98.55

115.12

131.80

149.49

163.08

con't

83

22.21

35.56

42.86

51.37

61.13

71.41

82.92

94.96

111.11

127.68

146.22

163.06

178.05

con't

84

26.76

41.48

49.80

58.98

69.41

80.37

91.84

107.47

123.49

141.74

159.06

178.03

194.44

con't

85

31.69

48.34

57.64

67.41

78.57

89.28

104.24

119.74

137.43

154.42

172.95

193.06

212.44

con't

86

40.13

56.14

66.11

76.82

87.66

101.83

116.59

133.57

149.91

168.04

187.67

209.20

232.60

con't

87