HAR §16-171-903. Definitions

For purposes of this subchapter: "1980 CSO valuation tables" means the Commissioners' 1980 Standard Ordinary Mortality Table ("1980 CSO Table") without ten-year selection factors, incorporated into the 1980 amendments to the NAIC Standard Valuation Law, and variations of the 1980 CSO Table approved by the NAIC, such as the smoker and nonsmoker versions approved in December 1983. "Basic reserves" means reserves calculated in accordance with subsection 431:5-307(h), HRS. "Contract segmentation method" means the method of dividing the period from issuance to mandatory expiration of a policy into successive segments, with the length of each segment being defined as the period from the end of the prior segment (from policy inception for the first segment) to the end of the latest policy year as described in this definition. All calculations are made using the 1980 CSO valuation tables, as defined in this section, or any other valuation mortality table adopted by the NAIC for this purpose and, if elected, the optional minimum mortality standard for deficiency reserves stipulated in section 16-171-904(b). §16-171-903 171-42 The length of a particular contract segment shall be set equal to the minimum of the value t for which Gt is greater than Rt (if Gt never exceeds Rt, the segment length is deemed to be the number of years from the beginning of the segment to the mandatory expiration date of the policy), where Gt and Rt are defined as follows: GPx+k+t Gt= ________ GPx+k+t-1 where: x = original issue age; k = the number of years from the date of issue to the beginning of the segment; t = 1, 2, ...; t is reset to 1 at the beginning of each segment; GPx+k+t-1 = Guaranteed gross premium per thousand of face amount for year t of the segment, ignoring policy fees only if level for the premium paying period of the policy. qx+k+t Rt= _________, However, Rt may be qx+k+t-1 increased or decreased by one per cent in any policy year at the company's option, but Rt shall not be less than one; where: x, k and t are as defined above; and qx+k+t-1 = valuation mortality rate for deficiency reserves in policy year k+t but using the mortality of paragraph 16-171-904(b)(2), if section 16-171-904(b)(3), is elected for deficiency reserves. §16-171-903 171-43 However, if GPx+k+t is greater than 0 and GPx+k+t-1 is equal to 0, Gt shall be deemed to be 1000. If GPx+k+t and GPx+k+t-1 are both equal to 0, Gt shall be deemed to be 0. "Deficiency reserves" means the excess, if greater than zero, of minimum reserves over basic reserves. "Guaranteed gross premiums" means the premiums under a policy of life insurance that are guaranteed and determined at issue. "Maximum valuation interest rates" means the interest rates defined in subsection 431:5-307(g), HRS, that are to be used in determining the minimum standard for the valuation of life insurance policies. "Minimum reserves" means reserves calculated in accordance with subsection 431:5-307(e), HRS. "Scheduled gross premium" means the smallest illustrated gross premium at issue for other than universal life insurance policies. For universal life insurance policies, scheduled gross premium means the smallest specified premium described in paragraph 16- 171-906(a)(3), if any, or else the minimum premium described in paragraph 16-171-906(a)(4). "Segmented reserves" means reserves calculated using segments produced by the contract segmentation method equal to the present value of all future guaranteed benefits less the present value of all future net premiums to the mandatory expiration of a policy, where the net premiums within each segment are a uniform percentage of the respective guaranteed gross premiums within the segment. The uniform percentage for each segment is such that at the beginning of the segment, the present value of the net premiums within the segment equals: (1) The present value of the death benefits within the segment, plus; (2) The present value of any unusual guaranteed cash value (see subsection 16-171-905(d)) occurring at the end of the segment, less; §16-171-903 171-44 (3) Any unusual guaranteed cash value occurring at the start of the segment, plus; (4) For the first segment only, the excess of (A) over (B), as follows: (A) A net level annual premium equal to the present value, at the date of issue, of the benefits provided for in the first segment after the first policy year, divided by the present value, at the date of issue, of an annuity of one per year payable on the first and each subsequent anniversary within the first segment on which a premium falls due. However, the net level annual premium shall not exceed the net level annual premium on the nineteen-year premium whole life plan of insurance of the same renewal year equivalent level amount at an age one year higher than the age at issue of the policy; (B) A net one year term premium for the benefits provided for in the first policy year. The length of each segment is determined by the "contract segmentation method," as defined in this section. The interest rates used in the present value calculations for any policy may not exceed the maximum valuation interest rate, determined with a guarantee duration equal to the sum of the lengths of all segments of the policy. For both basic reserves and deficiency reserves computed by the segmented method, present values shall include future benefits and net premiums in the current segment and in all subsequent segments. "Tabular cost of insurance" means the net single premium at the beginning of a policy year for one-year term insurance in the amount of the guaranteed death benefit in that policy year. §16-171-903 171-45 "Ten-year select factors" means the select factors adopted with the 1980 amendments to the NAIC Standard Valuation Law. "Unitary reserves" means the present value of all future guaranteed benefits less the present value of all future modified net premiums, where: (1) Guaranteed benefits and modified net premiums are considered to the mandatory expiration of the policy; and (2) Modified net premiums are a uniform percentage of the respective guaranteed gross premiums, where the uniform percentage is such that, at issue, the present value of the net premiums equals the present value of all death benefits and pure endowments, plus the excess of (A) over (B), as follows: (A) A net level annual premium equal to the present value, at the date of issue, of the benefits provided for after the first policy year, divided by the present value, at the date of issue, of an annuity of one per year payable on the first and each subsequent anniversary of the policy on which a premium falls due. The net level annual premium, however, shall not exceed the net level annual premium on the nineteen-year premium whole life plan of insurance of the same renewal year equivalent level amount at an age one year higher than the age at issue of the policy; and (B) A net one year term premium for the benefits provided for in the first policy year. The interest rates used in the present value calculations for any policy may not exceed the maximum valuation interest rate, determined with a guarantee duration equal to the length from issue to the mandatory expiration of the policy. §16-171-903 171-46 "Universal life insurance policy" means any individual life insurance policy under the provisions of which separately identified interest credits (other than in connection with dividend accumulations, premium deposit funds, or other supplementary accounts) and mortality or expense charges are made to the policy. [Eff and comp 02/02/17; comp 9/30/21] (Auth: HRS §§431:5-401, 432:2-201) (Imp: HRS §431:5-307) §16-171-904 General calculation requirements for basic reserves and premium deficiency reserves. (a) At the election of the company for any one or more specified plans of life insurance, the minimum mortality standard for basic reserves may be calculated using the 1980 CSO valuation tables with select mortality factors, or any other valuation mortality table adopted by the NAIC. If select mortality factors are elected, they may be: (1) The ten-year select mortality factors incorporated into the 1980 amendments to the NAIC Standard Valuation Law; (2) The select mortality factors in the Appendix A entitled "Select Mortality Factors" dated October 2009, located at the end of this chapter; or (3) Any other table of select mortality factors adopted by the NAIC for the purpose of calculating basic reserves. (b) Deficiency reserves, if any, are calculated for each policy as the excess, if greater than zero, of the quantity A over the basic reserve. The quantity A is obtained by recalculating the basic reserve for the policy using guaranteed gross premiums instead of net premiums when the guaranteed gross premiums are less than the corresponding net premiums. At the election of the company for any one or more specified plans of insurance, the quantity A and the corresponding net premiums used in the determination §16-171-904 171-47 of quantity A may be based upon the 1980 CSO valuation tables with select mortality factors, or any other valuation mortality table adopted by the NAIC. If select mortality factors are elected, they may be: (1) The ten-year select mortality factors incorporated into the 1980 amendments to the NAIC Standard Valuation Law; (2) The select mortality factors in the Appendix A of this regulation; (3) For durations in the first segment, X per cent of the select mortality factors in the Appendix A, subject to the following: (A) X may vary by policy year, policy form, underwriting classification, issue age, or any other policy factor expected to affect mortality experience; (B) X is such that, when using the valuation interest rate used for basic reserves, (i) is greater than or equal to (ii) below: (i) The actuarial present value of future death benefits, calculated using the mortality rates resulting from the application of X; and (ii) The actuarial present value of future death benefits calculated using anticipated mortality experience without recognition of mortality improvement beyond the valuation date; (C) X is such that the mortality rates resulting from the application of X are at least as great as the anticipated mortality experience, without recognition of mortality improvement beyond the valuation date, in each of the first five years after the valuation date; (D) The appointed actuary shall increase X at any valuation date where it is §16-171-904 171-48 necessary to continue to meet all the requirements of this paragraph; (E) The appointed actuary may decrease X at any valuation date as long as X continues to meet all the requirements of this paragraph; (F) The appointed actuary shall specifically take into account the adverse effect on expected mortality and lapse of any anticipated or actual increase in gross premiums; (G) If X is less than one hundred per cent at any duration for any policy, the following requirements shall be met: (i) The appointed actuary shall annually prepare an actuarial opinion and a memorandum for the company in accordance with the requirements of section 16-169- 2; (ii) The appointed actuary shall disclose in the Regulatory Asset Adequacy Issues Summary the impact of the insufficiency of assets to support the payment of benefits and expenses and the establishment of statutory reserves during one or more interim periods; and (iii) The appointed actuary shall annually opine for all policies subject to this subchapter as to whether the mortality rates resulting from the application of X meet the requirements of this paragraph. This opinion shall be supported by an actuarial report, subject to appropriate Actuarial Standards of Practice promulgated by the Actuarial Standards Board of the American Academy of Actuaries. §16-171-904 171-49 The X factors shall reflect anticipated future mortality, without recognition of mortality improvement beyond the valuation date, and take into account relevant emerging experience; or (4) Any other table of select mortality factors adopted by the NAIC for the purpose of calculating deficiency reserves. (c) This subsection applies to both basic reserves and deficiency reserves. Any set of select mortality factors may be used only for the first segment. If the first segment is less than ten years, however, the appropriate ten-year select mortality factors incorporated into the 1980 amendments to the NAIC Standard Valuation Law may be used thereafter through the tenth policy year from the date of issue. In addition, for policies that have reentry provisions, select mortality factors shall not be used in segments beginning after reentry unless a new policy is actually issued. (d) In determining basic reserves or deficiency reserves, guaranteed gross premiums without policy fees may be used where the calculation involves the guaranteed gross premium, but only if the policy fee is a level dollar amount after the first policy year. In determining deficiency reserves, policy fees may be included in guaranteed gross premiums, even if not included in the actual calculation of basic reserves. (e) Reserves for policies that have changes to guaranteed gross premiums, guaranteed benefits, guaranteed charges, or guaranteed credits that are unilaterally made by the insurer after issue and that are effective for more than one year after the date of the change shall be the greatest of the following: (1) Reserves calculated ignoring the guarantee; (2) Reserves assuming the guarantee was made at issue; or (3) Reserves assuming that the policy was issued on the date of the guarantee. (f) The commissioner may require that the company document the extent of the adequacy of §16-171-904 171-50 reserves for specified blocks, including, but not limited to, policies issued prior to the effective date of this subchapter. This documentation may include a demonstration of the extent to which aggregation with other non-specified blocks of business is relied upon in the formation of the appointed actuary opinion pursuant to and consistent with the requirements of section 16-169-2. [Eff and comp 02/02/17; comp 9/30/21] (Auth: HRS §§431:5-401, 432:2-201) (Imp: HRS §431:5-307) §16-171-905 Calculation of minimum valuation standard for policies, other than universal life policies, with guaranteed nonlevel gross premiums or guaranteed nonlevel benefits. (a) Basic reserves shall be calculated as the greater of the segmented reserves and the unitary reserves. Both the segmented reserves and the unitary reserves for any policy shall use the same valuation mortality table and selection factors. At the option of the insurer, in calculating segmented reserves and net premiums, the following adjustments may be made: (1) Treat the unitary reserve, if greater than zero, applicable at the end of each segment as a pure endowment, and subtract the unitary reserve, if greater than zero, applicable at the beginning of each segment from the present value of guaranteed life insurance and endowment benefits for each segment; or (2) Treat the guaranteed cash surrender value, if greater than zero, applicable at the end of each segment as a pure endowment, and subtract the guaranteed cash surrender value, if greater than zero, applicable at the beginning of each segment from the present value of guaranteed life insurance and endowment benefits for each segment. (b) Deficiency reserves. §16-171-905 171-51 (1) The deficiency reserve at any duration shall be calculated: (A) On a unitary basis if the corresponding basic reserve determined by subsection (a) is unitary; (B) On a segmented basis if the corresponding basic reserve determined by subsection (a) is segmented; or (C) On a segmented basis if the corresponding basic reserve determined by subsection (a) is equal to both the segmented reserve and the unitary reserve. (2) This subsection shall apply to any policy for which the guaranteed gross premium at any duration is less than the corresponding modified net premium calculated by the method used in determining the basic reserves, but using the minimum valuation standards of mortality as specified in section 16-171-904(b), and rate of interest. (3) For the current and all remaining periods, deficiency reserves, if any, shall be calculated for each policy as the excess, if greater than zero, of the quantity A over the basic reserve, where A is obtained as indicated in section 16-171-904(b). (4) For deficiency reserves determined on a segmented basis, the quantity A is determined using segment lengths equal to those determined for segmented basic reserves. (c) If mean reserves are used, the minimum value of basic reserves may not be less than the tabular cost of insurance for the balance of the policy year. If mid-terminal reserves are used, basic reserves may not be less than the tabular cost of insurance for the balance of the current modal period or to the paid-to- date, if later, but not beyond the next policy anniversary. The tabular cost of insurance shall use the same valuation mortality table and interest rates §16-171-905 171-52 as that used for the calculation of the segmented reserves. If select mortality factors are used, however, they shall be the ten-year select factors incorporated into the 1980 amendments of the NAIC Standard Valuation Law. In no case may total reserves, including basic reserves, deficiency reserves, and any reserves held for supplemental benefits that would expire upon contract termination, exclusive of any deduction for policy loans upon termination of the policy, be less than the amount that the policyowner would receive, including the cash surrender value of the supplemental benefits, if any, referred to in subsection (a)(2). (d) Unusual pattern of guaranteed cash surrender values. The requirements of this subsection are independent of both the segmentation and the unitary process. (1) For any policy with an unusual pattern of guaranteed cash surrender values, the reserves actually held prior to the first unusual guaranteed cash surrender value shall not be less than the reserves calculated by treating the first unusual guaranteed cash surrender value as a pure endowment and treating the policy as an n year policy providing term insurance plus a pure endowment equal to the unusual cash surrender value, where n is the number of years from the date of issue to the date the unusual cash surrender value is scheduled. (2) The reserves actually held subsequent to any unusual guaranteed cash surrender value shall not be less than the reserves calculated by treating the policy as an n year policy providing term insurance plus a pure endowment equal to the next unusual guaranteed cash surrender value, and treating any unusual guaranteed cash surrender value at the end of the prior segment as a net single premium, where: (A) n is the number of years from the date of the last unusual guaranteed cash §16-171-905 171-53 surrender value prior to the valuation date to the earlier of: (i) The date of the next unusual guaranteed cash surrender value, if any, that is scheduled after the valuation date; or (ii) The mandatory expiration date of the policy; (B) The net premium for a given year during the n year period is equal to the product of the net to gross ratio and the respective gross premium; and (C) The net to gross ratio is equal to (i) divided by (ii) as follows: (i) The present value, at the beginning of the n year period, of death benefits payable during the n year period plus the present value, at the beginning of the n year period, of the next unusual guaranteed cash surrender value, if any, minus the amount of the last unusual guaranteed cash surrender value, if any, scheduled at the beginning of the n year period; (ii) The present value, at the beginning of the n year period, of the scheduled gross premiums payable during the n year period. (3) For purposes of this subsection, a policy is considered to have an unusual pattern of guaranteed cash surrender values if any future guaranteed cash surrender value exceeds the prior year's guaranteed cash surrender value by more than the sum of: (A) One hundred ten per cent of the scheduled gross premium for that year; (B) One hundred ten per cent of one year's accrued interest on the sum of the prior year's guaranteed cash surrender §16-171-905 171-54 value and the scheduled gross premium using the nonforfeiture interest rate used for calculating policy guaranteed cash surrender values; and (C) Five per cent of the first policy year surrender charge, if any. (e) Optional exemption for yearly renewable term ("YRT") reinsurance. At the option of the company, the following approach for reserves on YRT reinsurance may be used: (1) Calculate the valuation net premium for each future policy year as the tabular cost of insurance for that future year; (2) Basic reserves shall never be less than the tabular cost of insurance for the appropriate period, as defined in subsection (c); or (3) Deficiency reserves. (A) For each policy year, calculate the excess, if greater than zero, of the valuation net premium over the respective maximum guaranteed gross premium. (B) Deficiency reserves shall never be less than the sum of the present values, at the date of valuation, of the excesses determined in accordance with subparagraph (A). (4) For purposes of this subsection, the calculations use the maximum valuation interest rate and the 1980 CSO mortality tables with or without ten-year select mortality factors, or any other table adopted. (5) A reinsurance agreement shall be considered YRT reinsurance for purposes of this subsection if only the mortality risk is reinsured. (6) If the assuming company chooses this optional exemption, the ceding company's reinsurance reserve credit shall be limited §16-171-905 171-55 to the amount of reserve held by the assuming company for the affected policies. (f) Optional exemption for attained-age-based YRT life insurance policies. At the option of the company, the following approach for reserves for attained-age-based YRT life insurance policies may be used: (1) Calculate the valuation net premium for each future policy year as the tabular cost of insurance for that future year; (2) Basic reserves shall never be less than the tabular cost of insurance for the appropriate period, as defined in subsection (c); or (3) Deficiency reserves. (A) For each policy year, calculate the excess, if greater than zero, of the valuation net premium over the respective maximum guaranteed gross premium. (B) Deficiency reserves shall never be less than the sum of the present values, at the date of valuation, of the excesses determined in accordance with subparagraph (A). (4) For purposes of this subsection, the calculations use the maximum valuation interest rate and the 1980 CSO valuation tables with or without ten-year select mortality factors, or any other table adopted. (5) A policy shall be considered an attained- age-based YRT life insurance policy for purposes of this subsection if: (A) The premium rates on both the initial current premium scale and the guaranteed maximum premium scale are based upon the attained age of the insured, such that the rate for any given policy at a given attained age of the insured is independent of the year the policy was issued; and §16-171-905 171-56 (B) The premium rates on both the initial current premium scale and the guaranteed maximum premium scale are the same as the premium rates for policies covering all insureds of the same sex, risk class, plan of insurance, and attained age. (6) For policies that become attained-age-based YRT policies after an initial period of coverage, the approach of this subsection may be used after the initial period if: (A) The initial period is constant for all insureds of the same sex, risk class, and plan of insurance; or (B) The initial period runs to a common attained age for all insureds of the same sex, risk class, and plan of insurance; and (C) After the initial period of coverage, the policy meets the conditions of paragraph (5). (7) If this election is made, this approach shall be applied in determining reserves for all attained-age-based YRT life insurance policies issued on or after the effective date of this regulation. (g) Exemption from unitary reserves for certain n-year renewable term life insurance polices. Unitary basic reserves and unitary deficiency reserves need not be calculated for a policy if the following conditions are met: (1) The policy consists of a series of n-year periods, including the first period and all renewal periods, where n is the same for each period, except that for the final renewal period, n may be truncated or extended to reach the expiry age, provided that this final renewal period is less than ten years and less than twice the size of the earlier n-year periods, and for each period, the premium rates on both the §16-171-906 171-57 initial current premium scale and the guaranteed maximum premium scale are level; (2) The guaranteed gross premiums in all n-year periods are not less than the corresponding net premiums based upon the 1980 CSO Table, with or without the ten-year select mortality factors; and (3) There are no cash surrender values in any policy year. (h) Exemption from unitary reserves for certain juvenile policies. Unitary basic reserves and unitary deficiency reserves need not be calculated for a policy if the following conditions are met, based upon the initial current premium scale at issue: (1) The insured at issue is age twenty-four or younger; (2) Until the insured reaches the end of the juvenile period, which shall occur at or before age twenty-five, the gross premiums and death benefits are level and there are no cash surrender values; and (3) After the end of the juvenile period, gross premiums are level for the remainder of the premium paying period and death benefits are level for the remainder of the life of the policy. [Eff and comp 02/02/17; comp 9/30/21] (Auth: HRS §§431:5-401, 432:2- 201) (Imp: HRS §431:5-307) §16-171-906 Calculation of minimum valuation standard for flexible premium and fixed premium universal life insurance policies that contain provisions resulting in the ability of a policyowner to keep a policy in force over a secondary guarantee period. (a) General. (1) Policies with a secondary guarantee include: (A) A policy with a guarantee that the policy will remain in force at the original schedule of benefits, subject §16-171-906 171-58 only to the payment of specified premiums; (B) A policy in which the minimum premium at any duration is less than the corresponding one-year valuation premium, calculated using the maximum valuation interest rate and the 1980 CSO valuation tables, with or without ten-year select mortality factors, or any other table adopted; or (C) A policy with any combination of subparagraphs (A) and (B). (2) A secondary guarantee period is the period for which the policy is guaranteed to remain in force subject only to a secondary guarantee. When a policy contains more than one secondary guarantee, the minimum reserve shall be the greatest of the respective minimum reserves at that valuation date of each unexpired secondary guarantee, ignoring all other secondary guarantees. Secondary guarantees that are unilaterally changed by the insurer after issue shall be considered to have been made at issue. Reserves described in subsections (b) and (c) shall be recalculated from issue to reflect these changes. (3) Specified premiums mean the premiums specified in the policy, the payment of which guarantees that the policy will remain in force at the original schedule of benefits, but which otherwise would be insufficient to keep the policy in force in the absence of the guarantee if maximum mortality and expense charges and minimum interest credits were made and any applicable surrender charges were assessed. (4) For purposes of this section, the minimum premium for any policy year is the premium that, when paid into a policy with a zero account value at the beginning of the policy year, produces a zero account value at the §16-171-906 171-59 end of the policy year. The minimum premium calculation shall use the policy cost factors, including mortality charges, loads, and expense charges, and the interest crediting rate, which are all guaranteed at issue. (5) The one-year valuation premium means the net one-year premium based upon the original schedule of benefits for a given policy year. The one-year valuation premiums for all policy years are calculated at issue. The select mortality factors defined in section 16-171-904(b)(2), (3), and (4), HAR, may not be used to calculate the one-year valuation premiums. (6) The one-year valuation premium should reflect the frequency of fund processing, as well as the distribution of deaths assumption employed in the calculation of the monthly mortality charges to the fund. (b) Basic reserves for the secondary guarantees. Basic reserves for the secondary guarantees shall be the segmented reserves for the secondary guarantee period. In calculating the segments and the segmented reserves, the gross premiums shall be set equal to the specified premiums, if any, or otherwise to the minimum premiums, that keep the policy in force. The segments will be determined according to the contract segmentation method as defined in section 16-171- 903(b). (c) Deficiency reserves for the secondary guarantees. Deficiency reserves, if any, for the secondary guarantees shall be calculated for the secondary guarantee period in the same manner as described in section 16-171-905(b), with gross premiums set equal to the specified premiums, if any, or otherwise to the minimum premiums that keep the policy in force. (d) Minimum reserves. The minimum reserves during the secondary guarantee period are the greater of: §16-171-906 171-60 (1) The basic reserves for the secondary guarantee plus the deficiency reserve, if any, for the secondary guarantees; or (2) The minimum reserves required by other rules or regulations governing universal life plans. [Eff and comp 02/02/17; comp 9/30/21] (Auth: HRS §§431:5-401, 432:2- 201) (Imp: HRS §431:5-307) Amendments to and compilation of chapter 16-171, Hawaii Administrative Rules, on the Summary page dated September 30, 2021, were adopted on September 30, 2021, following a public hearing held on September 30, 2021, after public notice was given in The Honolulu Star-Advertiser on August 30, 2021. These rules are filed with the Office of the Lieutenant Governor and shall take effect on January 1, 2022; provided that if the commissioner determines that the insurance division is unable to implement this rule by January 1, 2022, the insurance division may delay implementation, but in no event shall the delay be in force beyond December 31, 2022. APPROVED: /s/ Catherine P Awakuni Colón CATHERINE P. AWAKUNI COLÓN Director of Commerce and Consumer Affairs Date: 11/15/2021_________ /s/ David Y. Ige__________ DAVID Y. IGE Governor State of Hawaii Date: 12/13/21___________ APPROVED AS TO FORM: Bryan C Yee_____________ Deputy Attorney General ____12/13/2021___________ Filed 171-1 APPENDIX A: SELECT MORTALITY FACTORS This appendix contains tables of select mortality factors that are the bases to which the respective percentage of paragraphs 16-171-904(a)(2), (b)(2) and (b)(3) are applied. The six tables of select mortality factors contained herein include: Table 1 - male aggregate; Table 2 - male nonsmoker; Table 3 - male smoker; Table 4 - female aggregate; Table 5 - female nonsmoker; and Table 6 - female smoker. These tables apply to both age last birthday and age nearest birthday mortality tables. For sex-blended mortality tables, compute select mortality factors in the same proportion as the underlying mortality. For example, for the 1980 CSO-B Table, the calculated select mortality factors are eighty per cent of the appropriate male table in this appendix, plus twenty per cent of the appropriate female table in this appendix. 2 Table 1 Male, Aggregate Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 0-15 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 16 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 17 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 18 96 98 98 99 99 100 100 90 92 92 92 92 93 93 96 97 98 98 99 100 19 83 84 84 87 87 87 79 79 79 81 81 82 82 82 85 88 91 94 97 100 20 69 71 71 74 74 69 69 67 69 70 71 71 71 71 74 79 84 90 95 100 21 66 68 69 71 66 66 67 66 67 70 70 70 70 71 71 77 83 88 94 100 22 65 66 66 63 63 64 64 64 65 68 68 68 68 69 71 77 83 88 94 100 23 62 63 59 60 62 62 63 63 64 65 65 67 67 69 70 76 82 88 94 100 24 60 56 56 59 59 60 61 61 61 64 64 64 66 67 70 76 82 88 94 100 25 52 53 55 56 58 58 60 60 60 63 62 63 64 67 69 75 81 88 94 100 26 51 52 55 56 58 58 57 61 61 62 63 64 66 69 66 73 80 86 93 100 27 51 52 55 57 58 60 61 61 60 63 63 64 67 66 67 74 80 87 93 100 28 49 51 56 58 60 60 61 62 62 63 64 66 65 66 68 74 81 87 94 100 29 49 51 56 58 60 61 62 62 62 64 64 62 66 67 70 76 82 88 94 100 30 49 50 56 58 60 60 62 63 63 64 62 63 67 68 71 77 83 88 94 100 31 47 50 56 58 60 62 63 64 64 62 63 66 68 70 72 78 83 89 94 100 32 46 49 56 59 60 62 63 66 62 63 66 67 70 72 73 78 84 89 95 100 33 43 49 56 59 62 63 64 62 65 66 67 70 72 73 75 80 85 90 95 100 34 42 47 56 60 62 63 61 63 66 67 70 71 73 75 76 81 86 90 95 100 35 40 47 56 60 63 61 62 65 67 68 71 73 74 76 76 81 86 90 95 100 36 38 42 56 60 59 61 63 65 67 68 70 72 74 76 77 82 86 91 95 100 37 38 45 56 57 61 62 63 65 67 68 70 72 74 76 76 81 86 90 95 100 38 37 44 53 58 61 62 65 66 67 69 69 73 75 76 77 82 86 91 95 100 39 37 41 53 58 62 63 65 65 66 68 69 72 74 76 76 81 86 90 95 100 40 34 40 53 58 62 63 65 65 66 68 68 71 75 76 77 82 86 91 95 100 Effective: October 2009 3 Male, Aggregate Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 41 34 41 53 58 62 63 65 64 64 66 68 70 74 76 77 82 86 91 95 100 42 34 43 53 58 61 62 63 63 63 64 66 69 72 75 77 82 86 91 95 100 43 34 43 54 59 60 61 63 62 62 64 66 67 72 74 77 82 86 91 95 100 44 34 44 54 58 59 60 61 60 61 62 64 67 71 74 77 82 86 91 95 100 45 34 45 53 58 59 60 60 60 59 60 63 66 71 74 77 82 86 91 95 100 46 31 43 52 56 57 58 59 59 59 60 63 67 71 74 75 80 85 90 95 100 47 32 42 50 53 55 56 57 58 59 60 65 68 71 74 75 80 85 90 95 100 48 32 41 47 52 54 56 57 57 57 61 65 68 72 73 74 79 84 90 95 100 49 30 40 46 49 52 54 55 56 57 61 66 69 72 73 74 79 84 90 95 100 50 30 38 44 47 51 53 54 56 57 61 66 71 72 73 75 80 85 90 95 100 51 28 37 42 46 49 53 54 56 57 61 66 71 72 73 75 80 85 90 95 100 52 28 35 41 45 49 51 54 56 57 61 66 71 72 74 75 80 85 90 100 100 53 27 35 39 44 48 51 53 55 57 61 67 71 74 75 76 81 86 100 100 100 54 27 33 38 44 48 50 53 55 57 61 67 72 74 75 76 81 100 100 100 100 55 25 32 37 43 47 50 53 55 57 61 68 72 74 75 78 100 100 100 100 100 56 25 32 37 43 47 49 51 54 56 61 67 70 73 74 100 100 100 100 100 100 57 24 31 38 43 47 49 51 54 56 59 66 69 72 100 100 100 100 100 100 100 58 24 31 38 43 48 48 50 53 56 59 64 67 100 100 100 100 100 100 100 100 59 23 30 39 43 48 48 51 53 55 58 63 100 100 100 100 100 100 100 100 100 60 23 30 39 43 48 47 50 52 53 57 100 100 100 100 100 100 100 100 100 100 61 23 30 39 43 49 49 50 52 53 75 100 100 100 100 100 100 100 100 100 100 62 23 30 39 44 49 49 51 52 75 75 100 100 100 100 100 100 100 100 100 100 63 22 30 39 45 50 50 52 75 75 75 100 100 100 100 100 100 100 100 100 100 64 22 30 39 45 50 51 75 75 75 75 100 100 100 100 100 100 100 100 100 100 65 22 30 39 45 50 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 66 22 30 39 45 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 67 22 30 39 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 68 23 32 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 69 23 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 70 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 10 Effective: October 2009 4 Male, Aggregate Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 71 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 72 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 73 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 74 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 75 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 76 48 52 55 60 60 65 70 70 70 100 100 100 100 100 100 100 100 100 100 100 77 48 52 55 60 60 65 70 70 100 100 100 100 100 100 100 100 100 100 100 100 78 48 52 55 60 60 65 70 100 100 100 100 100 100 100 100 100 100 100 100 100 79 48 52 55 60 60 65 100 100 100 100 100 100 100 100 100 100 100 100 100 100 80 48 52 55 60 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 81 48 52 55 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 82 48 52 55 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 83 48 52 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 84 48 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 85+ 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 5 Table 2 Male, Non-Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 0-15 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 16 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 17 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 18 93 95 96 98 99 100 100 90 92 92 92 92 95 95 96 97 98 98 99 100 19 80 81 83 86 87 87 79 79 79 81 81 82 83 83 86 89 92 94 97 100 20 65 68 69 72 74 69 69 67 69 70 71 71 72 72 75 80 85 90 95 100 21 63 66 68 71 66 66 67 66 67 70 70 70 71 71 73 78 84 89 95 100 22 62 65 66 62 63 64 64 64 67 68 68 68 70 70 73 78 84 89 95 100 23 60 62 58 60 62 62 63 63 64 67 68 68 67 69 71 77 83 88 94 100 24 59 55 56 58 59 60 61 61 63 65 67 66 66 69 71 77 83 88 94 100 25 52 53 55 56 58 58 60 60 61 64 64 64 64 67 70 76 82 88 94 100 26 51 53 55 56 58 60 61 61 61 63 64 64 66 69 67 74 80 87 93 100 27 51 52 55 58 60 60 61 61 62 63 64 66 67 66 67 74 80 87 93 100 28 49 52 57 58 60 61 63 62 62 64 66 66 63 66 68 74 81 87 94 100 29 49 51 57 60 61 61 62 62 63 64 66 63 65 67 68 74 81 87 94 100 30 49 51 57 60 61 62 63 63 63 64 62 63 66 68 70 76 82 88 94 100 31 47 50 57 60 60 62 63 64 64 62 63 65 67 70 71 77 83 88 94 100 32 46 50 57 60 62 63 64 64 62 63 65 66 68 71 72 78 83 89 94 100 33 45 49 56 60 62 63 64 62 63 65 66 68 71 73 74 79 84 90 95 100 34 43 48 56 62 63 64 62 62 65 66 67 70 72 74 74 79 84 90 95 100 35 41 47 56 62 63 61 62 63 66 67 68 70 72 74 75 80 85 90 95 100 36 40 47 56 62 59 61 62 63 66 67 68 70 72 74 75 80 85 90 95 100 37 38 45 56 58 59 61 62 63 66 67 67 69 71 73 74 79 84 90 95 100 38 38 45 53 58 61 62 63 65 65 67 68 70 72 74 73 78 84 89 95 100 39 37 41 53 58 61 62 63 64 65 67 68 70 71 73 73 78 84 89 95 100 40 34 41 53 58 61 62 63 64 64 66 67 69 71 73 72 78 83 89 94 100 Effective: October 2009 6 Male, Non-Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 41 34 41 53 58 61 61 62 62 63 65 65 67 69 71 71 77 83 88 94 100 42 34 43 53 58 60 61 62 61 61 63 64 66 67 69 71 77 83 88 94 100 43 32 43 53 58 60 61 60 60 60 60 62 64 66 68 69 75 81 88 94 100 44 32 44 52 57 59 60 60 59 59 58 60 62 65 67 69 75 81 88 94 100 45 32 44 52 57 59 60 59 57 57 57 59 61 63 66 68 74 81 87 94 100 46 32 42 50 54 56 57 57 56 55 56 59 61 63 65 67 74 80 87 93 100 47 30 40 48 52 54 55 55 54 54 55 59 61 62 63 66 73 80 86 93 100 48 30 40 46 49 51 52 53 53 54 55 57 61 62 63 63 70 78 85 93 100 49 29 39 43 48 50 51 50 51 53 54 57 61 61 62 62 70 77 85 92 100 50 29 37 42 45 47 48 49 50 51 54 57 61 61 61 61 69 77 84 92 100 51 27 35 40 43 45 47 48 50 51 53 57 60 61 61 62 70 77 85 92 100 52 27 34 39 42 44 45 48 49 50 53 56 60 60 62 62 70 77 85 100 100 53 25 31 37 41 44 45 47 49 50 51 56 59 61 61 62 70 77 100 100 100 54 25 30 36 39 43 44 47 48 49 51 55 59 59 61 62 70 100 100 100 100 55 24 29 35 38 42 43 45 48 49 50 56 58 59 61 62 100 100 100 100 100 56 23 29 35 38 42 42 44 47 48 50 55 57 58 59 100 100 100 100 100 100 57 23 28 35 38 42 42 43 45 47 49 53 55 56 100 100 100 100 100 100 100 58 22 28 33 37 41 41 43 45 45 47 51 53 100 100 100 100 100 100 100 100 59 22 26 33 37 41 41 42 44 44 46 50 100 100 100 100 100 100 100 100 100 60 20 26 33 37 41 40 41 42 42 45 100 100 100 100 100 100 100 100 100 100 61 20 26 33 37 41 40 41 42 42 75 100 100 100 100 100 100 100 100 100 100 62 19 25 32 38 40 40 41 42 75 75 100 100 100 100 100 100 100 100 100 100 63 19 25 33 36 40 40 41 75 75 75 100 100 100 100 100 100 100 100 100 100 64 18 24 32 36 39 40 75 75 75 75 100 100 100 100 100 100 100 100 100 100 65 18 24 32 36 39 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 66 18 24 32 36 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 67 18 24 32 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 68 18 24 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 69 18 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 70 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 7 Male, Non-Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 71 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 72 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 73 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 74 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 75 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 76 48 52 55 60 60 65 70 70 70 100 100 100 100 100 100 100 100 100 100 100 77 48 52 55 60 60 65 70 70 100 100 100 100 100 100 100 100 100 100 100 100 78 48 52 55 60 60 65 70 100 100 100 100 100 100 100 100 100 100 100 100 100 79 48 52 55 60 60 65 100 100 100 100 100 100 100 100 100 100 100 100 100 100 80 48 52 55 60 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 81 48 52 55 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 82 48 52 55 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 83 48 52 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 84 48 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 85+ 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 8 Table 3 Male, Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 0-15 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 16 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 17 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 18 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 19 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 20 98 100 100 100 100 100 100 99 99 99 100 99 99 99 100 100 100 100 100 100 21 95 98 99 100 95 96 96 95 96 97 97 96 96 96 96 97 98 98 99 100 22 92 95 96 90 90 93 93 92 93 95 95 93 93 92 93 94 96 97 99 100 23 90 92 85 88 88 89 89 89 90 90 90 90 89 90 92 94 95 97 98 100 24 87 81 82 85 84 86 88 86 86 88 88 86 86 88 89 91 93 96 98 100 25 77 78 79 82 81 83 83 82 83 85 84 84 84 85 86 89 92 94 97 100 26 75 77 79 82 82 83 83 82 83 84 84 84 84 85 81 85 89 92 96 100 27 73 75 78 82 82 83 83 82 82 82 82 84 84 80 81 85 89 92 96 100 28 71 73 79 82 81 82 83 81 81 82 82 82 80 80 81 85 89 92 96 100 29 69 72 78 81 81 82 82 81 81 81 81 77 80 80 81 85 89 92 96 100 30 68 71 78 81 81 81 82 81 81 81 76 77 80 80 81 85 89 92 96 100 31 65 70 77 81 79 81 82 81 81 76 77 79 81 81 83 86 90 93 97 100 32 63 67 77 78 79 81 81 81 76 77 77 80 83 83 85 88 91 94 97 100 33 60 65 74 78 79 79 81 76 77 77 79 80 83 85 85 88 91 94 97 100 34 57 62 74 77 79 79 75 76 77 79 79 81 83 85 87 90 92 95 97 100 35 53 60 73 77 79 75 75 76 77 79 80 82 84 86 88 90 93 95 98 100 36 52 59 71 75 74 75 75 76 77 79 79 81 83 85 87 90 92 95 97 100 37 49 58 70 71 74 74 75 76 77 78 79 81 84 86 86 89 92 94 97 100 38 48 55 66 70 72 74 74 75 76 78 79 81 83 85 87 90 92 95 97 100 39 45 50 65 70 72 72 74 74 75 77 79 81 84 86 86 89 92 94 97 100 40 41 49 63 68 71 72 73 74 74 76 78 80 83 85 86 89 92 94 97 100 Effective: October 2009 9 Male, Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 41 40 49 63 68 71 72 72 72 73 75 76 78 81 84 85 88 91 94 97 100 42 40 49 62 68 70 71 71 71 71 73 75 76 81 83 85 88 91 94 97 100 43 39 50 62 67 69 69 70 70 70 71 73 76 79 83 85 88 91 94 97 100 44 39 50 60 66 68 69 68 69 69 69 71 74 79 81 85 88 91 94 97 100 45 37 50 60 66 68 68 68 67 67 67 69 73 78 81 85 88 91 94 97 100 46 37 48 58 63 65 67 66 66 66 67 71 74 78 81 84 87 90 94 97 100 47 36 47 55 61 63 64 64 64 65 67 71 75 79 81 84 87 90 94 97 100 48 35 46 53 58 60 62 63 63 65 67 72 75 79 81 83 86 90 93 97 100 49 34 45 51 56 58 59 61 62 63 67 72 77 80 81 83 86 90 93 97 100 50 34 43 49 53 55 57 60 61 63 67 73 78 80 81 81 85 89 92 96 100 51 32 42 47 52 55 57 60 61 63 67 73 78 80 83 84 87 90 94 97 100 52 32 40 46 50 54 56 60 61 63 67 73 78 81 84 85 88 91 94 100 100 53 30 37 44 49 54 56 59 61 65 67 74 79 83 85 87 90 92 100 100 100 54 30 36 43 48 53 55 59 61 65 67 74 80 84 85 89 91 100 100 100 100 55 29 35 42 47 53 55 59 61 65 67 75 80 84 86 90 100 100 100 100 100 56 28 35 42 47 53 55 57 60 63 68 74 79 83 85 100 100 100 100 100 100 57 28 35 42 47 53 54 57 60 64 67 74 78 81 100 100 100 100 100 100 100 58 26 33 43 48 54 54 56 59 63 67 73 78 100 100 100 100 100 100 100 100 59 26 33 43 48 54 53 57 59 63 66 73 100 100 100 100 100 100 100 100 100 60 25 33 43 48 54 53 56 58 62 66 100 100 100 100 100 100 100 100 100 100 61 25 33 43 49 55 55 57 59 63 75 100 100 100 100 100 100 100 100 100 100 62 25 33 43 50 56 56 58 61 75 75 100 100 100 100 100 100 100 100 100 100 63 24 33 45 51 56 56 59 75 75 75 100 100 100 100 100 100 100 100 100 100 64 24 34 45 51 57 57 75 75 75 75 100 100 100 100 100 100 100 100 100 100 65 24 34 45 52 57 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 66 24 35 45 53 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 67 25 35 45 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 68 25 36 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 69 27 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 70 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 10 Male, Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 71 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 72 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 73 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 74 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 75 48 52 55 60 60 65 70 70 70 70 100 100 100 100 100 100 100 100 100 100 76 48 52 55 60 60 65 70 70 70 100 100 100 100 100 100 100 100 100 100 100 77 48 52 55 60 60 65 70 70 100 100 100 100 100 100 100 100 100 100 100 100 78 48 52 55 60 60 65 70 100 100 100 100 100 100 100 100 100 100 100 100 100 79 48 52 55 60 60 65 100 100 100 100 100 100 100 100 100 100 100 100 100 100 80 48 52 55 60 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 81 48 52 55 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 82 48 52 55 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 83 48 52 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 84 48 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 85+ 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 11 Table 4 Female, Aggregate Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 0-15 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 16 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 17 99 100 100 100 100 100 100 100 93 95 96 97 97 100 100 100 100 100 100 100 18 83 83 84 84 84 84 86 78 78 79 82 84 85 88 88 90 93 95 98 100 19 65 66 68 68 68 68 63 63 64 66 69 71 72 74 75 80 85 90 95 100 20 48 50 51 51 51 47 48 48 49 51 56 57 58 61 63 70 78 85 93 100 21 47 48 50 51 47 47 48 49 51 53 57 60 61 64 64 71 78 86 93 100 22 44 47 48 45 47 47 48 49 53 54 60 61 63 64 66 73 80 86 93 100 23 42 45 44 45 47 47 49 51 53 54 61 64 64 67 69 75 81 88 94 100 24 39 40 42 44 47 47 50 51 54 56 64 64 66 69 70 76 82 88 94 100 25 34 38 41 44 47 47 50 53 56 57 64 67 69 71 73 78 84 89 95 100 26 34 38 41 45 49 49 51 56 58 59 66 69 70 73 70 76 82 88 94 100 27 34 38 41 47 50 51 54 57 59 60 69 70 73 70 71 77 83 88 94 100 28 34 37 43 47 53 53 56 59 62 63 70 73 70 72 74 79 84 90 95 100 29 34 38 43 49 54 56 58 60 63 64 73 70 72 74 75 80 85 90 95 100 30 35 38 43 50 56 56 59 63 66 67 70 71 74 75 76 81 86 90 95 100 31 35 38 43 51 56 58 60 64 67 65 71 72 74 75 76 81 86 90 95 100 32 35 39 45 51 56 59 63 66 65 66 72 72 75 76 76 81 86 90 95 100 33 36 39 44 52 58 62 64 65 66 67 72 74 75 76 76 81 86 90 95 100 34 36 40 45 52 58 63 63 66 67 68 74 74 76 76 76 81 86 90 95 100 35 36 40 45 53 59 61 65 67 68 70 75 74 75 76 75 80 85 90 95 100 36 36 40 45 53 55 62 65 67 68 70 74 74 74 75 75 80 85 90 95 100 37 36 41 47 52 57 62 65 67 68 69 72 72 73 75 74 79 84 90 95 100 38 34 41 44 52 57 63 66 68 69 70 72 71 72 74 75 80 85 90 95 100 39 34 40 45 53 58 63 66 68 69 69 70 70 70 73 74 79 84 90 95 100 40 32 40 45 53 58 65 65 67 68 69 70 69 70 73 73 78 84 89 95 100 Effective: October 2009 12 Female, Aggregate Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 41 32 40 45 53 57 63 64 67 68 68 69 69 69 73 74 79 84 90 95 100 42 32 40 45 52 56 61 63 65 66 68 69 68 70 74 75 80 85 90 95 100 43 31 39 45 51 55 59 61 65 65 66 68 69 69 74 77 82 86 91 95 100 44 31 39 45 50 54 58 61 63 64 66 67 68 71 75 78 82 87 91 96 100 45 31 38 44 49 53 56 59 62 63 65 67 68 71 77 79 83 87 92 96 100 46 29 37 43 48 51 54 59 62 63 65 67 69 71 77 78 82 87 91 96 100 47 28 35 41 46 49 54 57 61 62 66 68 69 71 77 77 82 86 91 95 100 48 28 35 41 44 49 52 57 61 63 66 68 71 72 75 77 82 86 91 95 100 49 26 34 39 43 47 52 55 61 63 67 69 71 72 75 75 80 85 90 95 100 50 25 32 38 41 46 50 55 61 63 67 69 72 72 75 74 79 84 90 95 100 51 25 32 38 41 45 50 55 61 63 66 68 69 71 74 74 79 84 90 95 100 52 23 30 36 41 45 51 56 61 62 65 66 68 68 73 73 78 84 89 100 100 53 23 30 36 41 47 51 56 61 62 63 65 66 68 72 72 78 83 100 100 100 54 22 29 35 41 47 53 57 61 61 62 62 66 66 69 70 76 100 100 100 100 55 22 29 35 41 47 53 57 61 61 61 62 63 64 68 69 100 100 100 100 100 56 22 29 35 41 45 51 56 59 60 61 62 63 64 67 100 100 100 100 100 100 57 22 29 35 41 45 50 54 56 58 59 61 62 63 100 100 100 100 100 100 100 58 22 30 36 41 44 49 53 56 57 57 61 62 100 100 100 100 100 100 100 100 59 22 30 36 41 44 48 51 53 55 56 59 100 100 100 100 100 100 100 100 100 60 22 30 36 41 43 47 50 51 53 55 100 100 100 100 100 100 100 100 100 100 61 22 29 35 39 42 46 49 50 52 80 100 100 100 100 100 100 100 100 100 100 62 20 28 33 39 41 45 47 49 80 80 100 100 100 100 100 100 100 100 100 100 63 20 28 33 38 41 44 46 80 80 80 100 100 100 100 100 100 100 100 100 100 64 19 27 32 36 40 42 80 80 80 80 100 100 100 100 100 100 100 100 100 100 65 19 25 30 35 39 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 66 19 25 30 35 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 67 19 25 30 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 68 19 25 68 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 69 19 64 68 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 70 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 13 Female, Aggregate Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 71 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 72 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 73 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 74 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 75 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 76 60 60 64 68 68 72 75 75 80 100 100 100 100 100 100 100 100 100 100 100 77 60 60 64 68 68 72 75 75 100 100 100 100 100 100 100 100 100 100 100 100 78 60 60 64 68 68 72 75 100 100 100 100 100 100 100 100 100 100 100 100 100 79 60 60 64 68 68 72 100 100 100 100 100 100 100 100 100 100 100 100 100 100 80 60 60 64 68 68 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 81 60 60 64 68 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 82 60 60 64 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 83 60 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 84 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 85+ 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 14 Table 5 Female, Non-Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 0-15 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 16 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 17 96 98 98 98 98 99 99 99 92 92 93 95 95 97 99 99 99 100 100 100 18 78 80 80 80 80 81 81 74 75 75 78 79 82 83 85 88 91 94 97 100 19 60 62 63 63 63 65 59 59 60 60 64 67 67 70 72 78 83 89 94 100 20 42 44 45 45 45 42 42 42 45 45 50 51 53 56 58 66 75 83 92 100 21 41 42 44 45 41 42 42 44 47 47 51 53 54 57 59 67 75 84 92 100 22 39 41 44 41 41 42 44 45 49 49 54 56 57 58 60 68 76 84 92 100 23 38 41 38 40 41 42 44 46 49 50 56 57 58 60 62 70 77 85 92 100 24 36 36 38 40 41 42 46 47 50 51 58 59 60 62 63 70 78 85 93 100 25 32 34 37 40 41 43 46 49 51 53 59 60 62 63 64 71 78 86 93 100 26 32 34 37 41 43 45 47 50 53 53 60 62 63 64 62 70 77 85 92 100 27 32 34 38 43 46 47 49 51 53 55 62 63 64 62 62 70 77 85 92 100 28 30 34 39 43 47 49 51 53 56 58 63 63 61 62 63 70 78 85 93 100 29 30 35 40 45 50 51 52 55 58 59 64 61 62 63 63 70 78 85 93 100 30 31 35 40 46 51 52 53 56 59 60 62 62 63 65 65 72 79 86 93 100 31 31 35 40 46 51 53 55 58 60 58 62 62 63 65 65 72 79 86 93 100 32 32 35 40 45 51 53 56 59 57 58 62 63 63 65 64 71 78 86 93 100 33 32 36 41 47 52 55 58 55 58 59 63 63 65 65 65 72 79 86 93 100 34 33 36 41 47 52 55 55 57 58 59 63 65 64 65 64 71 78 86 93 100 35 33 36 41 47 52 53 57 58 59 61 63 64 64 64 64 71 78 86 93 100 36 33 36 41 47 49 53 57 58 59 61 63 64 63 64 63 70 78 85 93 100 37 32 36 41 44 49 53 57 58 59 60 62 62 61 62 63 70 78 85 93 100 38 32 37 39 45 50 54 57 58 60 60 61 61 61 62 61 69 77 84 92 100 39 30 35 39 45 50 54 57 58 60 59 60 60 59 60 61 69 77 84 92 100 40 28 35 39 45 50 54 56 57 59 59 60 59 59 59 60 68 76 84 92 100 Effective: October 2009 15 Female, Non-Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 41 28 35 39 45 49 52 55 55 58 57 58 59 58 59 60 68 76 84 92 100 42 27 35 39 44 49 52 54 55 56 57 57 57 58 60 61 69 77 84 92 100 43 27 34 39 44 47 50 53 53 55 55 56 57 56 60 61 69 77 84 92 100 44 26 34 38 42 47 50 52 53 54 55 55 55 56 61 62 70 77 85 92 100 45 26 33 38 42 45 48 51 51 52 53 54 55 56 61 62 70 77 85 92 100 46 24 32 37 40 43 47 49 51 52 53 54 55 56 60 61 69 77 84 92 100 47 24 30 35 39 42 45 47 49 51 53 54 55 56 59 60 68 76 84 92 100 48 23 30 35 37 40 44 47 49 50 53 54 55 55 59 57 66 74 83 91 100 49 23 29 33 35 39 42 45 48 50 53 54 55 55 57 56 65 74 82 91 100 50 21 27 32 34 37 41 44 48 50 53 54 55 55 56 55 64 73 82 91 100 51 21 26 30 34 37 41 44 48 49 51 53 53 54 55 55 64 73 82 91 100 52 20 25 30 33 37 41 44 47 48 50 50 51 51 55 53 62 72 81 100 100 53 19 24 29 32 37 41 43 47 48 48 49 49 51 52 52 62 71 100 100 100 54 18 24 29 32 37 41 43 45 47 47 47 49 49 51 51 61 100 100 100 100 55 18 23 28 32 37 41 43 45 45 45 46 46 47 50 50 100 100 100 100 100 56 18 23 28 32 36 39 42 44 44 45 46 46 46 49 100 100 100 100 100 100 57 18 23 28 31 35 38 41 42 44 44 45 45 46 100 100 100 100 100 100 100 58 17 23 26 31 35 36 38 41 41 42 45 45 100 100 100 100 100 100 100 100 59 17 23 26 30 33 35 38 39 40 41 44 100 100 100 100 100 100 100 100 100 60 17 23 26 30 32 34 36 38 39 40 100 100 100 100 100 100 100 100 100 100 61 17 22 25 29 32 33 35 36 38 80 100 100 100 100 100 100 100 100 100 100 62 16 22 25 28 30 32 34 35 80 80 100 100 100 100 100 100 100 100 100 100 63 16 20 24 28 30 32 34 80 80 80 100 100 100 100 100 100 100 100 100 100 64 14 21 24 27 29 30 80 80 80 80 100 100 100 100 100 100 100 100 100 100 65 15 19 23 25 28 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 66 15 19 23 25 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 67 15 19 22 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 68 13 18 68 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 69 13 64 68 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 70 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 16 Female, Non-Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 71 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 72 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 73 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 74 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 75 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 76 60 60 64 68 68 72 75 75 80 100 100 100 100 100 100 100 100 100 100 100 77 60 60 64 68 68 72 75 75 100 100 100 100 100 100 100 100 100 100 100 100 78 60 60 64 68 68 72 75 100 100 100 100 100 100 100 100 100 100 100 100 100 79 60 60 64 68 68 72 100 100 100 100 100 100 100 100 100 100 100 100 100 100 80 60 60 64 68 68 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 81 60 60 64 68 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 82 60 60 64 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 83 60 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 84 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 85+ 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 17 Table 6 Female, Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 0-15 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 16 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 17 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 18 99 100 100 100 100 100 100 95 96 97 100 100 100 100 100 100 100 100 100 100 19 87 89 92 92 92 92 84 84 86 86 92 93 95 96 99 99 99 100 100 100 20 74 77 80 80 80 73 73 73 75 77 83 83 86 88 90 92 94 96 98 100 21 71 74 78 78 71 71 73 74 77 79 85 86 88 89 90 92 94 96 98 100 22 68 71 75 70 71 71 73 74 78 79 88 90 89 89 92 94 95 97 98 100 23 65 69 67 70 70 70 73 77 79 81 89 90 90 92 92 94 95 97 98 100 24 62 60 64 69 70 70 74 77 79 81 92 90 92 93 93 94 96 97 99 100 25 53 58 63 67 69 70 74 78 81 82 92 93 93 95 95 96 97 98 99 100 26 53 58 63 69 71 72 75 79 82 82 93 93 95 96 90 92 94 96 98 100 27 52 56 63 70 74 74 78 81 82 84 93 95 95 90 90 92 94 96 98 100 28 52 56 64 71 75 77 79 82 85 86 95 95 90 92 92 94 95 97 98 100 29 51 56 64 71 78 78 81 84 86 88 95 90 90 92 92 94 95 97 98 100 30 51 56 64 72 79 79 82 85 88 89 90 90 92 93 93 94 96 97 99 100 31 51 56 64 72 78 81 84 84 88 84 90 90 92 93 93 94 96 97 99 100 32 51 56 64 71 78 81 85 86 84 85 90 90 92 94 93 94 96 97 99 100 33 51 57 62 71 78 82 85 83 84 85 90 92 93 93 93 94 96 97 99 100 34 51 56 62 71 78 82 81 83 85 86 90 92 92 94 93 94 96 97 99 100 35 51 56 62 71 78 79 83 84 85 86 90 91 91 93 93 94 96 97 99 100 36 49 56 62 71 74 79 83 84 85 86 90 90 91 93 92 94 95 97 98 100 37 48 55 62 67 74 79 83 84 85 86 89 90 89 92 91 93 95 96 98 100 38 47 55 57 66 72 77 81 84 86 86 87 88 88 90 91 93 95 96 98 100 39 45 50 57 66 72 77 81 83 85 86 86 87 86 89 90 92 94 96 98 100 40 41 50 57 66 72 77 81 83 84 85 86 86 86 89 89 91 93 96 98 100 Effective: October 2009 18 Female, Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 41 40 50 57 65 71 76 79 81 83 84 85 86 85 89 90 92 94 96 98 100 42 40 49 57 65 69 74 77 80 82 83 84 85 86 90 92 94 95 97 98 100 43 39 49 55 63 69 73 76 78 80 82 83 84 85 92 93 94 96 97 99 100 44 39 48 55 62 67 71 75 78 80 80 82 84 86 93 96 97 98 98 99 100 45 37 47 55 61 65 70 73 76 78 80 81 84 86 94 97 98 98 99 99 100 46 36 46 53 59 63 68 71 75 77 79 83 85 86 93 96 97 98 98 99 100 47 34 44 51 57 62 66 70 75 77 80 83 85 86 93 94 95 96 98 99 100 48 34 44 50 54 60 64 69 74 77 80 84 86 87 92 92 94 95 97 98 100 49 33 42 48 53 58 63 68 74 77 81 84 86 87 92 91 93 95 96 98 100 50 31 41 46 51 57 61 67 74 77 81 85 87 87 91 90 92 94 96 98 100 51 30 39 45 51 56 61 67 74 75 80 83 85 85 90 90 92 94 96 98 100 52 29 38 45 50 56 62 68 74 75 79 81 83 84 90 90 92 94 96 100 100 53 28 37 43 49 57 62 68 73 74 77 79 81 83 89 89 91 93 100 100 100 54 28 36 43 49 57 63 69 73 74 75 78 80 81 87 89 91 100 100 100 100 55 26 35 42 49 57 63 69 73 73 74 76 78 79 86 87 100 100 100 100 100 56 26 35 42 49 56 62 67 71 72 74 76 78 79 85 100 100 100 100 100 100 57 26 35 42 49 55 61 66 69 72 73 76 78 79 100 100 100 100 100 100 100 58 28 36 43 49 55 59 63 68 69 72 76 78 100 100 100 100 100 100 100 100 59 28 36 43 49 54 57 63 67 68 70 76 100 100 100 100 100 100 100 100 100 60 28 36 43 49 53 57 61 64 67 69 100 100 100 100 100 100 100 100 100 100 61 26 35 42 48 52 56 59 63 66 80 100 100 100 100 100 100 100 100 100 100 62 26 33 41 47 51 55 58 62 80 80 100 100 100 100 100 100 100 100 100 100 63 25 33 41 46 51 55 57 80 80 80 100 100 100 100 100 100 100 100 100 100 64 25 33 40 45 50 53 80 80 80 80 100 100 100 100 100 100 100 100 100 100 65 24 32 39 44 49 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 66 24 32 39 44 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 67 24 32 39 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 68 24 32 68 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 69 24 64 68 72 72 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 70 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 19 Female, Smoker Issue Duration Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20+ 71 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 72 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 73 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 74 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 75 60 60 64 68 68 72 75 75 80 80 100 100 100 100 100 100 100 100 100 100 76 60 60 64 68 68 72 75 75 80 100 100 100 100 100 100 100 100 100 100 100 77 60 60 64 68 68 72 75 75 100 100 100 100 100 100 100 100 100 100 100 100 78 60 60 64 68 68 72 75 100 100 100 100 100 100 100 100 100 100 100 100 100 79 60 60 64 68 68 72 100 100 100 100 100 100 100 100 100 100 100 100 100 100 80 60 60 64 68 68 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 81 60 60 64 68 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 82 60 60 64 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 83 60 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 84 60 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 85+ 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 100 Effective: October 2009 20 21 22 23 24 25 26 27 28 29 30