Section 1412.10  Purpose

 

The purpose of this Part is to recognize, permit and prescribe the use of the 2001 Commissioners Standard Ordinary (CSO) Mortality Table under the authority of Sections 223(3)(a)(i) and 229.2(4c)(h)(vi) of the Illinois Insurance Code and for use under 50 Ill. Adm. Code 1409.40(a) and (b).

 

Section 1412.20  Definitions

 

1980 CSO Valuation Tables means the Commissioner's 1980 Standard Ordinary Mortality Table (1980 CSO Table) without 10 year selection factors, incorporated into the 1980 amendments to the National Association of Insurance Commissioners (NAIC) Standard Valuation Law, and the smoker and nonsmoker variations of the 1980 CSO Table approved by the NAIC in December 1983, as published in the 1984 Proceedings for the NAIC, Vol. 1, p. 31 and approved by the Director for use in determining the minimum standards of valuation pursuant to 50 Ill. Adm. Code 934. 

 

2001 CSO Mortality Table means that mortality table, consisting of separate rates of mortality for male and female lives found in Appendix A of this Part, developed by the American Academy of Actuaries CSO Task Force from the Valuation Basic Mortality Table developed by the Society of Actuaries Individual Life Insurance Valuation Mortality Task Force, and adopted by the National Association of Insurance Commissioners (NAIC) in December 2002.  Unless the context indicates otherwise, the 2001 CSO Mortality Table includes both the ultimate form of that table and the select and ultimate form of that table and includes both the smoker and nonsmoker mortality tables and the composite mortality tables.  It also includes both the age-nearest-birthday and age-last-birthday bases of the mortality tables.

 

2001 CSO Mortality Table (F) means that mortality table consisting of the rates of mortality for female lives from the 2001 CSO Mortality Table.

 

2001 CSO Mortality Table (M) means that mortality table consisting of the rates of mortality for male lives from the 2001 CSO Mortality Table.

 

2001 CSO Preferred Class Structure Mortality Table means mortality tables with separate rates of mortality for Super Preferred Nonsmokers, Preferred Nonsmokers, Residual Standard Nonsmokers, Preferred Smokers, and Residual Standard Smoker splits of the 2001 CSO Nonsmoker and Smoker approved by the NAIC in September 2006, as published in the 2006 Proceedings for the NAIC (3^rd Quarter), Vol. III, p. 2219 and approved by the Director for use pursuant to 50 Ill. Adm. Code 1413.  Unless the context indicates otherwise, the 2001 CSO Preferred Class Structure Mortality Table includes both the ultimate form of that table and the select and ultimate form of that table.  It includes both the smoker and nonsmoker mortality tables.  It includes both the male and female mortality tables and the gender composite mortality tables.  It also includes both the age-nearest-birthday and age-last-birthday bases of the mortality table.

 

Code means the Illinois Insurance Code [215 ILCS 5].

 

Composite mortality tables means mortality tables with rates of mortality that do not distinguish between smokers and nonsmokers.

 

Director means the Director of the Illinois Department of Insurance.

 

Smoker and nonsmoker mortality tables means mortality tables with separate rates of mortality for smokers and nonsmokers.

 

(Source:  Amended at 32 Ill. Reg. 19718, effective January 1, 2009)

 

Section 1412.30  Applicability

 

a)         2001 CSO Mortality Table

 

1)         At the election of the company for any one or more specified plans of insurance and subject to the conditions stated in this Part, the 2001 CSO Mortality Table may be used as the minimum standard for policies issued on or after July 1, 2004 and before January 1, 2017, to which Sections 223(3)(a)(i) and 229.2(4c)(h)(vi) of the Code and 50 Ill. Adm. Code 1409.40(a) and (b) are applicable.  If the company elects to use the 2001 CSO Mortality Table, it shall do so for both valuation and nonforfeiture purposes.

 

2)         Subject to the conditions of this Part, the 2001 CSO Mortality Table shall be used in determining minimum standards for policies issued on and after January 1, 2009 and before January 1, 2017, to which Sections 223(3)(a)(i) and 229.2(4c)(h)(vi) of the Code and 50 Ill. Adm. Code 1409.40(a) and (b) are applicable.

 

b)         Exceptions. The 1980 CSO Valuation Tables without select factors shall be used in determining minimum standards for preneed insurance contracts and similar policies and contracts, as defined by 50 Ill. Adm. Code 1414.30, issued on or after January 1, 2009 and before January 1, 2017, to which the requirements of Sections 223(3)(a)(i) and 229.2(4c)(h)(vi) of the Code are applicable, except in accordance with the Transitional Rules prescribed in 50 Ill. Adm. Code 1414.50.

 

(Source:  Amended at 42 Ill. Reg. 14246, effective July 12, 2018)

 

Section 1412.40  Conditions

 

a)         For each plan of insurance with separate rates for smokers and nonsmokers, an insurer may use:

 

1)         Composite mortality tables to determine minimum reserve liabilities and minimum cash surrender values and amounts of paid-up nonforfeiture benefits;

 

2)         Smoker and nonsmoker mortality tables to determine the valuation net premiums and additional minimum reserves, if any, required by Section 223(3)(f) of the Code and use composite mortality tables to determine the basic minimum reserves, minimum cash surrender values and amounts of paid-up nonforfeiture benefits; or

 

3)         Smoker and nonsmoker mortality to determine minimum reserve liabilities and minimum cash surrender values and amounts of paid-up nonforfeiture benefits.

 

b)         For plans of insurance without separate rates for smokers and nonsmokers, the composite mortality tables shall be used.

 

c)         For the purpose of determining minimum reserve liabilities and minimum cash surrender values and amounts of paid-up nonforfeiture benefits, the 2001 CSO Mortality Table may, at the option of the company for each plan of insurance, be used in its ultimate or select and ultimate form, subject to the restrictions of Section 1412.50 of this Part and 50 Ill. Adm. Code 1409 relative to use of the select and ultimate form.

 

d)        When the 2001 CSO Mortality Table is the minimum reserve standard for any plan for a company, the actuarial opinion in the annual statement filed with the Director shall be based on an asset adequacy analysis in conformance with Section 223(1b) of the Code.  The Director may exempt a company from this requirement if it only does business in this State and in no other state.

 

(Source:  Amended at 42 Ill. Reg. 14246, effective July 12, 2018)

 

Section 1412.50  Applicability of the 2001 CSO Mortality Table to 50 Ill. Adm. Code 1409

 

a)         The 2001 CSO Mortality Table may be applied to 50 Ill. Adm. Code 1409 in the following manner, subject to the transition dates for use found in Section 1412.30:

 

1)         50 Ill. Adm. Code 1409.20(a)(2)(B):  The net level reserve premium is based on the ultimate mortality rates in the 2001 CSO Mortality Table.

 

2)         50 Ill. Adm. Code 1409.30:  All calculations are made using the 2001 CSO Mortality Rate and, if elected, the optional minimum mortality standard for deficiency reserves stipulated in subsection (a)(4).  The value of "q_x+k+t‑1" is the valuation mortality rate for deficiency reserves in policy year k+t, but using the unmodified select mortality rates if modified select mortality rates are used in the computation of deficiency reserves.

 

3)         50 Ill. Adm. Code 1409.40(a):  The 2001 CSO Mortality Table is the minimum standard for basic reserves.

 

4)         50 Ill. Adm. Code 1409.40(b):  The 2001 CSO Mortality Table is the minimum standard for deficiency reserves.  If select mortality rates are used, they may be multiplied by X percent for durations in the first segment, subject to the conditions specified in 50 Ill. Adm. Code 1409.40(b)(3).  In demonstrating compliance with those conditions, the demonstrations may not combine the results of tests that utilize the 1980 CSO Mortality Table with those tests that utilize the 2001 CSO Mortality Table, unless the combination is explicitly required by regulation or necessary to be in compliance with relevant Actuarial Standards of Practice.

 

5)         50 Ill. Adm. Code 1409.50(c):  The valuation mortality table used in determining the tabular cost of insurance shall be the ultimate mortality rates in the 2001 CSO Mortality Table.

 

6)         50 Ill. Adm. Code 1409.50(e)(4):  The calculations specified in 50 Ill. Adm. Code 1409.50(e) shall use the ultimate mortality rates in the 2001 CSO Mortality Table.

 

7)         50 Ill. Adm. Code 1409.50(f)(4):  The calculations specified in 50 Ill. Adm. Code 1409.50(f) shall use the ultimate mortality rates in the 2001 CSO Mortality Table.

 

8)         50 Ill. Adm. Code 1409.50(g)(2):  The calculations specified in 50 Ill. Adm. Code 1409.50(g) shall use the ultimate mortality rates in the 2001 CSO Mortality Table.

 

9)         50 Ill. Adm. Code 1409.60(a)(1)(B):  The one-year valuation premium shall be calculated using the ultimate mortality rates in the 2001 CSO Mortality Table.

 

b)         Nothing in this Section shall be construed to expand the applicability of 50 Ill. Adm. Code 1409 to include life insurance policies exempted under 50 Ill. Adm. Code 1409.20(a).

 

(Source:  Amended at 43 Ill. Reg. 3278, effective February 25, 2019)

 

Section 1412.60  Gender-Blended Tables

 

a)         For any ordinary life insurance policy delivered or issued for delivery in this State on and after July 1, 2004 and before January 1, 2017 that utilizes the same premium rates and charges for male and female lives or is issued in circumstances where applicable law does not permit distinctions on the basis of gender, a mortality table that is a blend of the 2001 CSO Mortality Table (M) and the 2001 CSO Mortality Table (F) may, at the option of the company for each plan of insurance, be substituted for the 2001 CSO Mortality Table for use in determining minimum cash surrender values and amounts of paid-up nonforfeiture benefits.  No change in minimum valuation standards is implied by this subsection.

 

b)         The company may choose from among the blended tables developed by the American Academy of Actuaries CSO Task Force and adopted by the NAIC in December 2002.

 

c)         It shall not, in and of itself, be a violation of Article XXVI of the Code for an insurer to issue the same kind of policy of life insurance on both a sex-distinct and sex-neutral basis.

 

(Source:  Amended at 42 Ill. Reg. 14246, effective July 12, 2018)

 

Section 1412.70  Use of 2001 CSO Preferred Class Structure Mortality Table

 

The 2001 CSO Preferred Class Structure Mortality Tables may be used for calculations under the requirements of 50 Ill. Adm. Code 1409 using the guidance in Section 1412.50 of this Part, but substituting the 2001 CSO Preferred Class Structure Mortality Table for use in determining minimum reserve liabilities as authorized and described in 50 Ill. Adm. Code 1413.

 

(Source:  Added at 31 Ill. Reg. 14708, effective October 16, 2007)

Section 1412.APPENDIX A   2001 CSO Mortality Tables

 

Section 1412.ILLUSTRATION A   Male Composite Select & Ultimate Age Nearest Birthday

 

	2001 CSO Table – Male – Composite – 1000qx
Issue Age	Duration
	1	2	3	4	5	6	7	8	9	10	11	12	13		con't
0	0.97	0.56	0.39	0.27	0.21	0.21	0.22	0.22	0.22	0.23	0.23	0.27	0.33		con't
1	0.47	0.36	0.26	0.21	0.21	0.21	0.22	0.22	0.22	0.23	0.25	0.29	0.36		con't
2	0.35	0.26	0.21	0.21	0.21	0.21	0.22	0.22	0.22	0.23	0.26	0.33	0.37		con't
3	0.24	0.20	0.20	0.21	0.21	0.21	0.22	0.22	0.22	0.25	0.32	0.36	0.47		con't
4	0.20	0.20	0.20	0.21	0.21	0.21	0.22	0.22	0.25	0.31	0.36	0.47	0.66		con't
5	0.20	0.20	0.20	0.21	0.21	0.21	0.22	0.24	0.30	0.35	0.47	0.65	0.78		con't
6	0.20	0.20	0.20	0.21	0.21	0.21	0.24	0.30	0.34	0.46	0.65	0.78	0.87		con't
7	0.20	0.20	0.20	0.21	0.21	0.24	0.29	0.34	0.45	0.65	0.78	0.87	0.94		con't
8	0.20	0.20	0.20	0.21	0.23	0.28	0.33	0.45	0.64	0.78	0.87	0.93	0.97		con't
9	0.20	0.20	0.20	0.23	0.27	0.33	0.44	0.64	0.78	0.87	0.93	0.97	0.98		con't
10	0.20	0.20	0.22	0.27	0.33	0.43	0.64	0.77	0.87	0.93	0.97	0.97	0.98		con't
11	0.20	0.22	0.26	0.32	0.42	0.64	0.77	0.87	0.92	0.96	0.96	0.97	0.97		con't
12	0.21	0.25	0.32	0.41	0.64	0.77	0.87	0.92	0.95	0.95	0.96	0.96	0.99		con't
13	0.24	0.31	0.40	0.64	0.77	0.87	0.91	0.94	0.94	0.95	0.95	0.98	1.00		con't
14	0.30	0.39	0.64	0.77	0.87	0.91	0.93	0.93	0.94	0.94	0.96	0.99	1.04		con't
15	0.38	0.64	0.77	0.87	0.90	0.91	0.92	0.93	0.93	0.95	0.98	1.02	1.07		con't
16	0.64	0.77	0.87	0.90	0.91	0.91	0.92	0.92	0.94	0.96	1.00	1.04	1.07		con't
17	0.77	0.87	0.90	0.91	0.91	0.92	0.92	0.93	0.95	0.98	1.01	1.04	1.06		con't
18	0.87	0.88	0.89	0.89	0.90	0.90	0.92	0.93	0.96	0.98	1.00	1.02	1.04		con't
19	0.85	0.86	0.86	0.87	0.87	0.89	0.90	0.93	0.95	0.96	0.98	0.99	1.02		con't
20	0.82	0.82	0.83	0.83	0.84	0.86	0.88	0.90	0.92	0.93	0.94	0.97	1.01		con't
21	0.76	0.77	0.77	0.78	0.80	0.82	0.85	0.86	0.88	0.89	0.93	0.97	1.02		con't
22	0.71	0.71	0.72	0.74	0.77	0.79	0.81	0.83	0.84	0.89	0.93	0.97	1.03		con't
23	0.65	0.66	0.68	0.72	0.75	0.78	0.80	0.81	0.85	0.89	0.94	0.99	1.07		con't
24	0.59	0.61	0.66	0.71	0.75	0.78	0.79	0.83	0.87	0.92	0.97	1.03	1.12		con't
25	0.51	0.57	0.65	0.72	0.76	0.78	0.81	0.85	0.90	0.96	1.02	1.10	1.19		con't
26	0.48	0.57	0.66	0.74	0.77	0.80	0.84	0.89	0.94	1.01	1.09	1.17	1.28		con't
27	0.47	0.58	0.68	0.75	0.80	0.84	0.89	0.94	1.00	1.09	1.17	1.27	1.39		con't
28	0.48	0.60	0.69	0.77	0.84	0.88	0.93	0.99	1.07	1.16	1.27	1.39	1.53		con't
29	0.48	0.60	0.71	0.80	0.88	0.93	0.99	1.07	1.14	1.27	1.39	1.53	1.67		con't
30	0.48	0.61	0.72	0.82	0.91	0.99	1.07	1.14	1.25	1.38	1.50	1.64	1.80		con't
31	0.47	0.62	0.73	0.84	0.94	1.05	1.14	1.23	1.33	1.45	1.58	1.75	1.96		con't
32	0.48	0.61	0.74	0.85	0.97	1.07	1.19	1.29	1.39	1.50	1.66	1.88	2.16		con't
33	0.51	0.64	0.77	0.90	1.02	1.14	1.26	1.36	1.46	1.58	1.77	2.04	2.37		con't
34	0.54	0.67	0.82	0.94	1.08	1.21	1.34	1.45	1.56	1.71	1.94	2.24	2.56		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

 

	2001 CSO Table – Male – Composite – 1000qx
Issue	Duration													Att
Age	14	15	16	17	18	19	20	21	22	23	24	25	Ultimate	Age
0	0.39	0.47	0.61	0.74	0.87	0.94	0.98	1.00	1.00	1.02	1.03	1.05	1.07	25
1	0.41	0.58	0.71	0.83	0.92	0.96	0.99	1.00	1.02	1.03	1.05	1.07	1.12	26
2	0.48	0.68	0.80	0.89	0.95	0.99	1.00	1.02	1.03	1.05	1.07	1.11	1.17	27
3	0.66	0.78	0.87	0.94	0.99	1.00	1.02	1.03	1.05	1.07	1.10	1.14	1.17	28
4	0.78	0.87	0.94	0.98	1.00	1.02	1.03	1.05	1.07	1.10	1.13	1.14	1.15	29
5	0.87	0.94	0.98	1.00	1.02	1.03	1.05	1.07	1.10	1.11	1.12	1.13	1.14	30
6	0.94	0.98	1.00	1.01	1.02	1.05	1.07	1.08	1.09	1.10	1.11	1.12	1.13	31
7	0.98	0.99	1.01	1.01	1.04	1.06	1.07	1.08	1.09	1.10	1.11	1.12	1.13	32
8	0.98	1.00	1.00	1.03	1.05	1.07	1.08	1.09	1.10	1.11	1.12	1.13	1.15	33
9	0.99	0.99	1.01	1.04	1.07	1.08	1.09	1.10	1.11	1.12	1.13	1.15	1.18	34
10	0.98	1.01	1.03	1.07	1.08	1.09	1.10	1.11	1.12	1.13	1.15	1.18	1.21	35
11	1.00	1.02	1.06	1.08	1.09	1.10	1.11	1.12	1.13	1.15	1.18	1.21	1.28	36
12	1.02	1.06	1.08	1.09	1.10	1.11	1.12	1.13	1.15	1.18	1.21	1.28	1.34	37
13	1.05	1.08	1.09	1.10	1.11	1.12	1.13	1.15	1.18	1.21	1.28	1.34	1.44	38
14	1.08	1.09	1.10	1.11	1.12	1.13	1.15	1.18	1.21	1.28	1.34	1.44	1.54	39
15	1.09	1.10	1.11	1.12	1.13	1.15	1.18	1.21	1.28	1.34	1.44	1.54	1.65	40
16	1.10	1.11	1.12	1.13	1.15	1.18	1.21	1.28	1.34	1.44	1.54	1.65	1.79	41
17	1.08	1.09	1.10	1.15	1.18	1.21	1.28	1.34	1.44	1.54	1.65	1.79	1.96	42
18	1.07	1.10	1.11	1.18	1.21	1.28	1.34	1.44	1.54	1.65	1.79	1.96	2.15	43
19	1.06	1.11	1.15	1.21	1.28	1.34	1.44	1.54	1.65	1.79	1.96	2.15	2.39	44
20	1.07	1.15	1.21	1.28	1.34	1.44	1.54	1.65	1.79	1.96	2.15	2.39	2.65	45
21	1.09	1.18	1.28	1.34	1.44	1.54	1.65	1.79	1.96	2.15	2.39	2.65	2.90	46
22	1.12	1.24	1.34	1.44	1.54	1.65	1.79	1.96	2.15	2.39	2.65	2.90	3.17	47
23	1.17	1.30	1.43	1.54	1.65	1.79	1.96	2.15	2.39	2.65	2.90	3.17	3.33	48
24	1.23	1.39	1.52	1.65	1.79	1.96	2.15	2.39	2.65	2.90	3.14	3.33	3.52	49
25	1.32	1.47	1.64	1.79	1.96	2.15	2.39	2.65	2.90	3.12	3.31	3.52	3.76	50
26	1.43	1.59	1.78	1.96	2.15	2.39	2.65	2.90	3.11	3.30	3.52	3.76	4.06	51
27	1.56	1.72	1.94	2.15	2.39	2.65	2.90	3.10	3.29	3.52	3.76	4.06	4.47	52
28	1.71	1.89	2.13	2.36	2.62	2.90	3.10	3.29	3.51	3.76	4.06	4.47	4.93	53
29	1.85	2.07	2.35	2.62	2.88	3.09	3.29	3.51	3.76	4.05	4.47	4.93	5.50	54
30	2.00	2.26	2.55	2.82	3.06	3.28	3.51	3.76	4.05	4.47	4.92	5.46	6.17	55
31	2.21	2.50	2.78	3.03	3.26	3.50	3.74	4.03	4.41	4.90	5.44	6.03	6.88	56
32	2.46	2.75	3.01	3.25	3.49	3.74	4.03	4.41	4.90	5.42	5.99	6.67	7.64	57
33	2.67	2.96	3.22	3.47	3.74	4.03	4.41	4.90	5.40	5.96	6.61	7.31	8.27	58
34	2.90	3.18	3.44	3.73	4.03	4.41	4.88	5.38	5.93	6.57	7.25	7.94	8.99	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

 

	2001 CSO Table – Male – Composite – 1000qx
Issue	Duration
Age	1	2	3	4	5	6	7	8	9	10	11	12	13		con't
35	0.57	0.71	0.85	0.99	1.13	1.28	1.41	1.55	1.70	1.90	2.15	2.44	2.78		con't
36	0.61	0.74	0.89	1.04	1.19	1.33	1.49	1.68	1.89	2.12	2.37	2.67	3.00		con't
37	0.64	0.77	0.93	1.08	1.23	1.40	1.60	1.85	2.09	2.33	2.58	2.87	3.22		con't
38	0.69	0.85	1.01	1.15	1.30	1.50	1.76	2.04	2.31	2.55	2.80	3.09	3.46		con't
39	0.75	0.93	1.09	1.23	1.40	1.64	1.94	2.23	2.51	2.76	3.01	3.34	3.75		con't
40	0.79	1.00	1.17	1.33	1.54	1.82	2.13	2.44	2.71	2.97	3.28	3.66	4.10		con't
41	0.84	1.07	1.28	1.48	1.71	2.02	2.35	2.65	2.93	3.24	3.61	4.04	4.51		con't
42	0.90	1.17	1.41	1.64	1.90	2.21	2.55	2.86	3.19	3.56	3.98	4.45	4.98		con't
43	0.95	1.23	1.51	1.76	2.03	2.34	2.71	3.07	3.45	3.87	4.34	4.89	5.54		con't
44	1.01	1.32	1.60	1.86	2.14	2.49	2.89	3.32	3.74	4.21	4.72	5.43	6.16		con't
45	1.11	1.41	1.69	1.96	2.29	2.67	3.13	3.60	4.10	4.59	5.21	6.04	6.76		con't
46	1.20	1.49	1.77	2.07	2.44	2.90	3.40	3.95	4.49	5.06	5.80	6.63	7.32		con't
47	1.30	1.57	1.85	2.20	2.64	3.14	3.71	4.32	4.91	5.63	6.37	7.17	7.87		con't
48	1.40	1.68	2.01	2.39	2.85	3.37	3.99	4.67	5.35	6.17	6.89	7.72	8.53		con't
49	1.48	1.83	2.20	2.61	3.08	3.63	4.30	5.06	5.77	6.59	7.41	8.37	9.43		con't
50	1.61	2.00	2.41	2.85	3.33	3.90	4.63	5.43	6.17	7.01	8.01	9.25	10.60		con't
51	1.75	2.21	2.67	3.14	3.62	4.22	4.94	5.75	6.59	7.55	8.81	10.39	11.95		con't
52	1.91	2.43	2.95	3.45	3.95	4.53	5.27	6.14	7.12	8.32	9.86	11.69	13.33		con't
53	2.00	2.62	3.20	3.76	4.30	4.92	5.73	6.75	7.87	9.35	11.12	13.06	14.27		con't
54	2.09	2.81	3.49	4.08	4.64	5.35	6.32	7.53	8.82	10.52	12.40	13.97	15.47		con't
55	2.19	3.02	3.77	4.38	5.01	5.86	7.03	8.43	9.87	11.66	13.19	15.06	16.88		con't
56	2.30	3.22	4.02	4.72	5.46	6.49	7.86	9.41	10.93	12.41	14.22	16.35	18.52		con't
57	2.41	3.41	4.29	5.11	6.02	7.24	8.77	10.41	11.97	13.74	15.83	18.14	20.43		con't
58	2.59	3.62	4.60	5.58	6.69	8.09	9.69	11.34	12.89	14.89	17.24	20.03	22.79		con't
59	2.80	3.87	4.97	6.12	7.44	8.97	10.63	12.24	13.76	16.00	18.68	21.96	25.51		con't
60	3.07	4.18	5.38	6.71	8.22	9.86	11.54	13.15	14.65	17.18	20.29	23.98	28.14		con't
61	3.38	4.53	5.83	7.31	8.98	10.74	12.45	14.02	15.55	18.46	21.94	25.86	30.16		con't
62	3.73	4.92	6.32	7.95	9.78	11.66	13.42	15.04	16.66	19.92	23.60	27.67	32.18		con't
63	3.98	5.37	6.97	8.77	10.71	12.70	14.58	16.34	18.16	21.65	25.51	29.79	34.66		con't
64	4.19	5.85	7.68	9.65	11.75	13.87	15.92	17.92	19.97	23.65	27.76	32.42	37.81		con't
65	4.36	6.33	8.42	10.63	12.91	15.19	17.42	19.65	21.96	25.89	30.38	35.57	41.64		con't
66	4.50	7.01	9.31	11.68	14.25	16.67	19.01	21.41	24.02	28.31	33.30	39.13	46.08		con't
67	4.79	7.78	10.29	12.84	15.76	18.29	20.77	23.33	26.22	30.98	36.58	43.25	51.12		con't
68	5.39	8.64	11.39	14.12	17.13	20.15	23.11	26.07	29.08	34.48	40.91	48.51	57.20		con't
69	5.96	9.58	12.60	15.52	17.95	22.27	25.26	28.15	31.54	37.64	44.88	53.17	62.90		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

 

	2001 CSO Table – Male – Composite – 1000qx
Issue Age	Duration													Att
	14	15	16	17	18	19	20	21	22	23	24	25	Ultimate	Age
35	3.11	3.41	3.71	4.03	4.41	4.86	5.35	5.89	6.52	7.19	7.88	8.60	9.86	60
36	3.35	3.69	4.03	4.41	4.84	5.32	5.85	6.48	7.14	7.83	8.58	9.36	10.94	61
37	3.62	4.01	4.40	4.81	5.29	5.82	6.43	7.09	7.78	8.53	9.36	10.36	12.25	62
38	3.89	4.34	4.78	5.27	5.79	6.40	7.05	7.73	8.50	9.36	10.36	11.65	13.71	63
39	4.21	4.69	5.22	5.75	6.37	7.01	7.70	8.46	9.36	10.36	11.65	13.09	15.24	64
40	4.58	5.10	5.68	6.32	6.98	7.68	8.44	9.34	10.36	11.62	13.00	14.49	16.85	65
41	5.03	5.64	6.28	6.93	7.64	8.43	9.32	10.36	11.60	12.95	14.49	15.84	18.47	66
42	5.59	6.28	6.89	7.58	8.39	9.31	10.36	11.58	12.91	14.41	15.84	17.02	20.09	67
43	6.22	6.89	7.48	8.31	9.26	10.33	11.55	12.87	14.27	15.70	17.02	18.57	21.85	68
44	6.83	7.46	8.21	9.17	10.27	11.51	12.83	14.20	15.61	17.02	18.44	20.19	23.64	69
45	7.39	8.08	9.05	10.18	11.43	12.76	14.14	15.53	16.92	18.31	20.19	22.29	25.77	70
46	7.94	8.91	10.06	11.32	12.68	14.06	15.45	16.82	18.19	20.01	22.29	24.86	28.15	71
47	8.70	9.89	11.20	12.60	14.00	15.38	16.75	18.05	19.82	22.09	24.86	27.85	31.32	72
48	9.61	11.01	12.49	13.96	15.36	16.69	17.95	19.63	21.88	24.64	27.85	31.03	34.62	73
49	10.70	12.25	13.86	15.29	16.63	17.87	19.45	21.68	24.41	27.59	31.03	34.31	38.08	74
50	12.07	13.60	15.23	16.55	17.78	19.08	21.48	24.19	27.34	30.74	34.31	37.73	41.91	75
51	13.47	14.85	16.49	17.69	18.90	21.07	23.96	27.08	30.46	33.98	37.72	41.46	46.08	76
52	14.42	16.02	17.60	18.89	20.86	23.50	26.82	30.17	33.67	37.38	41.46	45.65	50.92	77
53	15.62	17.22	18.89	20.85	23.27	26.31	29.88	33.35	37.03	41.08	45.65	50.45	56.56	78
54	17.06	18.88	20.85	23.26	26.05	29.31	33.03	36.68	40.69	45.23	50.45	56.04	63.06	79
55	18.70	20.84	23.26	26.05	29.02	32.39	36.33	40.31	44.80	49.98	56.04	62.48	70.14	80
56	20.64	23.25	26.04	29.01	32.08	35.63	39.92	44.38	49.51	55.52	62.47	69.50	78.19	81
57	23.03	26.03	29.00	32.07	35.27	39.15	43.95	49.03	54.99	61.90	69.49	77.46	86.54	82
58	25.77	29.00	32.06	35.26	38.75	43.10	48.56	54.46	61.31	68.85	77.46	85.74	95.51	83
59	28.71	32.05	35.25	38.74	42.66	47.62	53.94	60.72	68.18	76.74	85.74	94.62	105.43	84
60	31.72	35.24	38.73	42.65	47.14	52.89	60.13	67.53	76.01	84.92	94.61	104.45	116.57	85
61	34.89	38.71	42.63	47.12	52.35	58.95	66.87	75.27	84.12	93.73	104.44	115.49	128.91	86
62	37.27	42.62	47.11	52.33	58.35	65.55	74.53	83.30	92.83	103.45	115.48	127.71	142.35	87
63	40.28	46.83	52.31	58.33	64.89	73.06	82.48	91.92	102.47	114.39	127.70	141.03	156.73	88
64	44.12	51.61	58.31	64.86	72.31	80.85	91.02	101.47	113.29	126.48	141.01	155.27	171.88	89
65	48.86	57.37	64.83	72.28	80.02	89.22	100.46	112.18	125.27	139.67	155.25	170.28	187.66	90
66	54.27	63.60	72.25	79.98	88.30	98.47	111.06	124.03	138.32	153.77	170.25	185.91	202.44	91
67	60.10	70.61	79.95	88.25	97.45	108.86	122.79	136.96	152.28	168.63	185.88	200.54	217.83	92
68	67.39	78.59	88.21	97.40	107.72	120.35	135.58	150.77	166.98	184.11	200.51	215.80	234.04	93
69	73.63	85.70	97.35	107.66	119.09	132.88	149.26	165.35	182.32	198.62	215.80	234.04	251.14	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

 

	2001 CSO Table – Male – Composite – 1000qx													5 of 6
Issue Age	Duration
	1	2	3	4	5	6	7	8	9	10	11	12	13	con't
70	6.60	10.66	13.95	17.09	18.77	24.50	27.30	30.37	36.46	43.55	51.70	61.26	71.83	con't
71	8.04	11.85	15.44	17.99	21.55	26.45	29.22	36.06	40.39	48.18	57.34	67.50	78.96	con't
72	9.83	13.15	17.08	20.64	24.25	28.03	32.10	36.57	41.70	50.12	59.51	70.17	82.41	con't
73	11.24	15.66	19.58	23.09	26.37	29.73	33.47	39.92	43.92	52.66	62.61	74.08	87.40	con't
74	12.99	17.18	21.37	25.32	28.88	32.23	38.25	42.60	47.23	56.82	67.69	80.35	94.96	con't
75	15.03	18.34	23.11	28.13	31.48	36.79	41.48	46.42	56.82	67.69	80.35	94.95	111.60	con't
76	15.56	20.29	25.42	30.74	35.37	40.36	45.59	55.19	66.73	79.29	93.78	110.31	128.89	con't
77	16.13	21.89	27.82	33.98	39.25	44.72	53.53	65.34	73.39	90.37	106.55	124.76	145.01	con't
78	17.16	23.53	30.44	38.22	43.94	52.02	64.09	72.83	90.37	106.55	124.76	145.01	167.22	con't
79	18.41	25.48	33.73	43.05	50.42	62.69	72.03	89.02	96.83	114.09	133.36	154.61	176.53	con't
80	19.78	28.17	37.88	48.95	61.43	71.38	87.89	96.05	110.23	129.14	150.03	171.63	195.22	con't
81	21.44	31.55	43.12	56.19	70.77	86.80	95.30	109.46	124.39	144.88	166.15	194.12	234.04	con't
82	23.60	35.89	49.65	64.89	81.61	94.58	108.71	123.69	131.93	166.01	194.12	234.04	251.14	con't
83	26.82	41.51	57.61	75.09	93.94	108.07	123.13	131.48	165.88	194.12	234.04	251.14	269.17	con't
84	31.47	48.54	66.89	86.53	107.43	122.58	131.02	165.58	194.12	234.04	251.14	269.17	285.64	con't
85	37.70	56.98	77.47	99.17	122.02	130.57	165.27	194.12	234.04	251.14	269.17	285.64	303.18	con't
86	45.42	66.99	89.60	113.26	130.12	164.96	193.92	234.04	251.14	269.17	285.64	303.18	321.88	con't
87	54.62	78.95	103.95	129.66	164.66	193.72	234.04	251.14	269.17	285.64	303.18	321.88	341.85	con't
88	65.70	93.50	121.34	164.36	193.52	234.04	251.14	269.17	285.64	303.18	321.88	341.85	363.19	con't
89	79.86	111.58	158.79	193.31	234.04	251.14	269.17	285.64	303.18	321.88	341.85	363.19	380.08	con't
90	98.80	152.25	189.60	234.04	251.14	269.17	285.64	303.18	321.88	341.85	363.19	380.08	398.06	con't
91	143.72	185.25	234.04	251.14	269.17	285.64	303.18	321.88	341.85	363.19	380.08	398.06	417.20	con't
92	179.60	234.04	251.14	269.17	285.64	303.18	321.88	341.85	363.19	380.08	398.06	417.20	437.56	con't
93	234.04	251.14	269.17	285.64	303.18	321.88	341.85	363.19	380.08	398.06	417.20	437.56	459.21	con't
94	251.14	269.17	285.64	303.18	321.88	341.85	363.19	380.08	398.06	417.20	437.56	459.21	482.22	con't
95	269.17	285.64	303.18	321.88	341.85	363.19	380.08	398.06	417.20	437.56	459.21	482.22	506.69	con't
96	285.64	303.18	321.88	341.85	363.19	380.08	398.06	417.20	437.56	459.21	482.22	506.69	532.69	con't
97	303.18	321.88	341.85	363.19	380.08	398.06	417.20	437.56	459.21	482.22	506.69	532.69	560.31	con't
98	321.88	341.85	363.19	380.08	398.06	417.20	437.56	459.21	482.22	506.69	532.69	560.31	589.64	con't
99	341.85	363.19	380.08	398.06	417.20	437.56	459.21	482.22	506.69	532.69	560.31	589.64	620.79	con't

 

	2001 CSO Table – Male – Composite – 1000qx																				6 of 6
Issue	Duration																				Att
Age	14	15	16		17			18		19		20	21	22		23		24	25	Ultimate	Age
70	83.71	97.29		107.61		119.02	131.49		146.28		163.68		180.52		196.69		213.75	234.04	251.14	269.17	95
71	92.07	107.22		118.97		131.41	144.74		160.42		178.72		194.77		211.72		234.04	251.14	269.17	285.64	96
72	96.58	112.84		131.25		144.67	158.73		175.16		192.84		209.68		234.04		251.14	269.17	285.64	303.18	97
73	102.73	120.16		139.67		158.66	173.33		189.02		207.64		234.04		251.14		269.17	285.64	303.18	321.88	98
74	111.61	130.31		151.04		173.26	187.08		203.57		234.04		251.14		269.17		285.64	303.18	321.88	341.85	99
75	130.30	151.03		173.24		187.05	201.53		234.04		251.14		269.17		285.64		303.18	321.88	341.85	363.19	100
76	149.49	172.07		187.05		201.53	234.04		251.14		269.17		285.64		303.18		321.88	341.85	363.19	380.08	101
77	167.22	185.15		201.53		234.04	251.14		269.17		285.64		303.18		321.88		341.85	363.19	380.08	398.06	102
78	185.15	201.53		234.04		251.14	269.17		285.64		303.18		321.88		341.85		363.19	380.08	398.06	417.20	103
79	199.49	234.04		251.14		269.17	285.64		303.18		321.88		341.85		363.19		380.08	398.06	417.20	437.56	104
80	234.04	251.14		269.17		285.64	303.18		321.88		341.85		363.19		380.08		398.06	417.20	437.56	459.21	105
81	251.14	269.17		285.64		303.18	321.88		341.85		363.19		380.08		398.06		417.20	437.56	459.21	482.22	106
82	269.17	285.64		303.18		321.88	341.85		363.19		380.08		398.06		417.20		437.56	459.21	482.22	506.69	107
83	285.64	303.18		321.88		341.85	363.19		380.08		398.06		417.20		437.56		459.21	482.22	506.69	532.69	108
84	303.18	321.88		341.85		363.19	380.08		398.06		417.20		437.56		459.21		482.22	506.69	532.69	560.31	109
85	321.88	341.85		363.19		380.08	398.06		417.20		437.56		459.21		482.22		506.69	532.69	560.31	589.64	110
86	341.85	363.19		380.08		398.06	417.20		437.56		459.21		482.22		506.69		532.69	560.31	589.64	620.79	111
87	363.19	380.08		398.06		417.20	437.56		459.21		482.22		506.69		532.69		560.31	589.64	620.79	653.84	112
88	380.08	398.06		417.20		437.56	459.21		482.22		506.69		532.69		560.31		589.64	620.79	653.84	688.94	113
89	398.06	417.20		437.56		459.21	482.22		506.69		532.69		560.31		589.64		620.79	653.84	688.94	726.18	114
90	417.20	437.56		459.21		482.22	506.69		532.69		560.31		589.64		620.79		653.84	688.94	726.18	765.70	115
91	437.56	459.21		482.22		506.69	532.69		560.31		589.64		620.79		653.84		688.94	726.18	765.70	807.61	116
92	459.21	482.22		506.69		532.69	560.31		589.64		620.79		653.84		688.94		726.18	765.70	807.61	852.07	117
93	482.22	506.69		532.69		560.31	589.64		620.79		653.84		688.94		726.18		765.70	807.61	852.07	899.23	118
94	506.69	532.69		560.31		589.64	620.79		653.84		688.94		726.18		765.70		807.61	852.07	899.23	949.22	119
95	532.69	560.31		589.64		620.79	653.84		688.94		726.18		765.70		807.61		852.07	899.23	949.22	1000.00	120
96	560.31	589.64		620.79		653.84	688.94		726.18		765.70		807.61		852.07		899.23	949.22	1000.00
97	589.64	620.79		653.84		688.94	726.18		765.70		807.61		852.07		899.23		949.22	1000.00
98	620.79	653.84		688.94		726.18	765.70		807.61		852.07		899.23		949.22		1000.00
99	653.84	688.94		726.18		765.70	807.61		852.07		899.23		949.22		1000.00