CHAPTER Ins 3500 VALUATION OF LIFE INSURANCE POLICIES
Statutory Authority: RSA 400-A:15, I.; RSA 410
PART Ins 3501 PURPOSE
Ins 3501.01 Purpose.
(a) The purpose of
this rule is to provide:
(1) Tables of select mortality factors and rules
for their use;
(2) Rules concerning a minimum standard for the
valuation of plans with nonlevel premiums or benefits; and
(3) Rules concerning a minimum standard for the
valuation of plans with secondary guarantees.
(b) The method for
calculating basic reserves defined in this rule will constitute the
commissioner’s reserve valuation method for policies to which this rule is
applicable.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
PART Ins 3502 APPLICABILITY
Ins 3502.01 Applicability.
(a) This rule shall
apply to all life insurance policies, with or without nonforfeiture values,
issued on or after the 2017 effective date of this rule, subject to the
following exceptions and conditions:
(1) Exceptions are:
a. This rule shall not apply to any individual
life insurance policy issued on or after the 2017 effective date of this
rule if the policy is issued in accordance with and as a result of the exercise
of a reentry provision contained in the original life insurance policy of the
same or greater face amount, issued before the 2017 effective date of this
rule, that guarantees the premium rates of the new policy. This rule also shall not apply to subsequent
policies issued as a result of the exercise of such a provision, or a deviation
of the provision, in the new policy;
b. This rule shall not apply to any universal life
policy that meets all the following requirements:
1. Secondary guarantee period, if any, is 5
years or less;
2. Specified premium for the secondary guarantee
period is not less than the net level reserve premium for the secondary
guarantee period based on the 1980 CSO valuation tables as defined in
Part Ins 3503 and the applicable valuation interest rate; and
3. The initial surrender charge is not less than
100 percent of the first year annualized specified premium for the secondary
guarantee period;
c. This rule shall not apply to any variable
life insurance policy that provides for life insurance, the amount or duration
of which varies according to the investment experience of any separate account
or accounts;
d. This rule shall not apply to any variable
universal life insurance policy that provides for life insurance, the amount or
duration of which varies according to the investment experience of any separate
account or accounts; and
e. This rule shall not apply to a group life
insurance certificate unless the certificate provides for a stated or implied
schedule of maximum gross premiums required in order to
continue coverage in force for a period in excess of one year.
(2) Conditions are:
a. Calculation of the minimum valuation standard
for policies with guaranteed nonlevel gross premiums or guaranteed nonlevel
benefits, other than universal life policies, or both, shall be in accordance
with the provisions of Ins 3506; and
b. Calculation of the minimum valuation standard
for flexible premium and fixed premium universal life insurance policies, that
contain provisions resulting in the ability of a policyholder to keep a policy
in force over a secondary guarantee period shall be in accordance with
provisions of Ins
3506.
(b) In addition to the exceptions and conditions set out
in (a) above, the commissioner, upon the commissioner’s own initiative or upon
request by an insurer, shall waive any requirement of this chapter if such
waiver does not contradict the objective or intent of the rule and:
(1) Applying
the rule provision would cause confusion or would be misleading to consumers;
(2) The rule
provision is in whole or in part inapplicable to the specific circumstances;
(3) There are
specific circumstances unique to the situation such that strict compliance with
the rule would be onerous without promoting the objective or intent of the rule
provision; or
(4) Any other
similar extenuating circumstances exist such that application of an alternative
standard or procedure better promotes the objective or intent of the rule
provision; and
(5) No
requirement prescribed by statute shall be waived unless expressly authorized
by law; and
(7) Any request
for a waiver shall be in writing and shall specify the basis for the waiver and
proposed alternative, if any.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
PART Ins 3503 DEFINITIONS
Ins 3503.01 Definitions.
(a) “Basic reserves”
means reserves calculated in accordance with RSA 410:4, Standard Valuation Law.
(b) “Contract
segmentation method” means the method of dividing the period from issue 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 determined below. All
calculations are made using the 1980 CSO valuation tables as defined in Ins 3503.01(f), (or any other valuation mortality table
adopted by the National Association of Insurance Commissioner (NAIC) after the
2017
effective date of this rule and promulgated by rule by the commissioner
for this purpose), and, if elected, the optional minimum mortality standard for
deficiency reserves stipulated in Ins 3505.02 of this rule.
(1) 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:
Gt = GPx+k+t
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.
Rt = qx+k+t
qx+k+t-1 , However, Rt may be increased or decreased by one percent
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 Ins 3504.02(a)(2) if Ins 3504.02(a)(3) is elected for
deficiency reserves.
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.
(c) “Deficiency
reserves” means the excess, if greater than zero, of:
(1) Minimum reserves calculated in accordance
with RSA 410:7, Standard Valuation Law, over
(2) Basic reserves.
(d) “Guaranteed
gross premiums” means the premiums under a policy of life insurance that are
guaranteed and determined at issue.
(e) “Maximum valuation
interest rates” means the interest rates in RSA 410:3-b, Standard Valuation
Law, (Interest Rates), that are to be used in determining the minimum standard
for the valuation of life insurance policies.
(f) “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. These tables
are available as referenced in Appendix B.
(g) “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 Ins 3506.01(c), if any,
or else the minimum premium described in Ins 3506.01(d).
(h) “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 and:
(1) 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:
a. The present value of the death benefits
within the segment, plus;
b. The present value of any unusual
guaranteed cash value (see Ins 3505.04) occurring at the end of the
segment, less;
c. Any unusual guaranteed
cash value occurring at the start of the segment, plus;
d. For the first segment only, the excess of Item
a. over Item b. as follows:
1. 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; and
2. A net one year term premium for the benefits
provided for in the first policy year;
(2) The length of each segment is determined by
the “contract segmentation method”, as defined in this section;
(3) 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; and
(4) 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.
(i) “Tabular cost of insurance” means the next
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.
(j) “Ten-year select
factors” means the select factors adopted with the 1980 amendments to the NAIC
Standard Valuation Law.
(k) “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;
(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
Item a. over Item 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. 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; and
b. A net one year term
premium for the benefits provided for in the first policy year; and
(3) 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.
(l) “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.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
PART Ins 3504 GENERAL CALCULATION REQUIREMENTS FOR BASIC
RESERVES AND
PREMIUM DEFICIENCY RESERVES
Ins 3504.01 Basic
Reserves Calculation Requirements.
(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 after the 2017 effective date of this rule
and promulgated by rule by the commissioner for this purpose). 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,
available as referenced in Appendix B;
(2) The select mortality factors in Appendix 1;
or
(3) Any other table of select mortality factors
adopted by the NAIC after the 2017 effective date of this rule and promulgated
by rule by the commissioner for the purpose of calculating basic reserves.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
Ins 3504.02 Deficiency
Reserves Calculation Requirements.
(a) 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 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 after the 2017 effective date of
this rule and promulgated by rule by the commissioner). If selected 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 Appendix 1 of
this rule;
(3) For durations in the first segment, X percent
of the select mortality factors in Appendix 1, 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 shall not be less than twenty percent (20%);
c. X shall not decrease in any successive policy
years;
d. X is such that, when using the valuation
interest rate used for basic reserves, Item 1. is greater than or equal to Item
2.:
1. The actuarial present value of future death
benefits, calculated using the mortality rates resulting from the application
of X;
and
2. The actuarial present value of future death
benefits calculated using anticipated mortality experience without recognition
of mortality improvement beyond the valuation date;
e. 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 (5) years after the valuation date;
f. The appointed actuary shall increase X at any
valuation date where it is necessary to continue to meet all the requirements
of Ins
3504.02(a)(3);
g. The appointed actuary may decrease X at any
valuation date as long as X does not decrease in any successive policy years
and as long as it continues to meet all the requirements of Ins
3504.02(a)(3);
h. The appointed actuary shall specifically take into account the adverse effect on expected mortality
and lapsation of any anticipated or actual increase in gross premiums; and
i. If X is less than 100 percent at any duration
for any policy, the following requirements shall be met:
1. The appointed actuary
shall annually prepare an actuarial opinion and memorandum for the company in
conformance with the requirements of Ins 2400,
Actuarial Opinion and Memorandum;
2. 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
3. The appointed actuary shall annually opine
for all policies subject to this rule as to whether the mortality rates
resulting from the application of X meet the requirements of Ins
3504.02(a)(3). This opinion shall be
supported by an actuarial report, subject to appropriate Actuarial Standards of
Practice promulgated by the Actuarial Standards Board of American Academy of
Actuaries and available as referenced in Appendix B. The X factors shall reflect anticipated
future mortality, without recognition of mortality improvement beyond the valuation
date, taking into account relevant emerging
experience; and
(4) Any other table of select mortality factors
adopted by the NAIC after the 2017 effective date of this rule and promulgated
by rule by the commissioner for the purpose of calculating deficiency reserves.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
Ins 3504.03 Other
Calculation Requirements.
(a) This subsection
applies to both basic reserves and deficiency reserves. Any set of select mortality factors may be
used only for the first segment.
However, if the first segment is less than ten (10) years, 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.
(b) 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.
(c) 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; and
(3) Reserves assuming that the policy was issued
on the date of the guarantee.
(d) The commissioner
may require that the company document the extent of the adequacy of reserves
for specified blocks, including but not limited to policies issued prior to the
2017 effective date of this rule. 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 Ins 2400,
Actuarial Opinion and Memorandum.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
PART Ins 3505 CALCULATION OF MINIMUM VALUATION STANDARD FOR
POLICIES WITH
GUARANTEED NONLEVEL GROSS
PREMIUMS OR GUARANTEED
NONLEVEL BENEFITS (OTHER THAN
UNIVERSAL LIFE POLICIES)
Ins 3505.01 Calculation
of Basic Reserves.
(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,
either of the adjustments described in paragraph (1) or (2) below 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.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
Ins 3505.02 Calculation
of Deficiency Reserves.
(a) The deficiency
reserve at any duration shall be calculated:
(1) On a unitary basis if the corresponding basic
reserve determined by Ins 3505.01 is unitary;
(2) On a segmented basis if the corresponding
basic reserve determined by Ins 3505.01 is segmented;
or
(3) On the segmented basis if the corresponding
basic reserve determined by Ins 3506.01 is equal to
both the segmented reserve and the unitary reserve.
(b) This subsection
shall apply to any policy for which the guaranteed gross premium at any
duration is less than the corresponding net premium calculated by the method
used in determining the basic reserves, but using the
minimum valuation standards of mortality (specified in Ins 3504.01) and rate of
interest.
(c) Deficiency
reserves, if any, shall be calculated for each policy as the excess, if greater
than zero, for the current and all remaining periods, of the quantity A over
the basic reserve, where A is obtained as indicated in Ins
3504.01.
(d) For deficiency
reserves determined on a segmented basis, the quantity A is determined using
segment lengths equal to those determined for segmented basic reserves.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
Ins
3505.03 Minimum Value. Basic reserves may not be less than the
tabular cost of insurance for the balance of the policy year,
if mean 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, if mid-terminal reserves are
used. The tabular cost of insurance
shall use the same valuation mortality table and interest rates as that used
for the calculation of the segmented reserves.
However, if select mortality factors are used, 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) be
less than the amount that the policyowner would receive (including the cash
surrender value of the supplemental benefits, if any, referred to above),
exclusive of any deduction for policy loans, upon termination of the policy.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09;
ss by #12219, eff 7-25-17
Ins 3505.04 Unusual
Pattern of Guaranteed Cash Surrender Values.
(a) 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.
(b) 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
(1) n is
the number of years from the date of the last unusual
guaranteed cash surrender value prior to the valuation date to the
earlier of:
a. The date of the next unusual
guaranteed cash surrender value, if any, that is scheduled after the
valuation date; or
b. The mandatory expiration date of the policy;
and
(2) 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
(3) The net to gross ratio is equal to Item a.
divided by Item b. as follows:
a. 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 least unusual guaranteed cash
surrender value, if any, scheduled at the beginning of the n year period; and
b. The present value, at the beginning of the n year period, of the scheduled gross
premiums payable during the n year
period.
(c) 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:
(1) One hundred ten percent (110%) of the
scheduled gross premium for that year;
(2) One hundred ten percent (110%) of one year’s
accrued interest on the sum of the prior year’s guaranteed cash surrender value
and the scheduled gross premium using the nonforfeiture interest rate used for
calculating policy guaranteed cash surrender values; and
(3) Five percent (5%) of the first policy year
surrender charge, if any.
Source. #7419, eff
7-1-01; ss by #9516, eff 7-25-09; ss by #12219, eff 7-25-17
Ins 3505.05 Optional
Exemption for Yearly Renewable Term Reinsurance.
(a) 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 Ins 3505.03;
(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; and
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. above;
(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 after the 2017 effective date of this rule by the NAIC and promulgated
by rule by the commissioner for this purpose;
(5) A reinsurance agreement shall be considered
YRT reinsurance for purposes of this subsection if only the mortality risk is reinsured;
and
(6) If the assuming company chooses this optional
exemption, the ceding company’s reinsurance reserve credit shall be limited to
the amount of reserve held by the assuming company for the affected policies.
Source. #7419, eff
7-1-01; ss by #9516, eff 7-25-09; ss by #12219, eff 7-25-17
Ins 3505.06 Optional
Exemption for Attained-Age-Based Yearly Renewable Term Life Insurance Policies.
(a) 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 Ins
3505.03;
(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; and
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. above;
(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 after the 2017 effective date of this rule by the NAIC and promulgated
by rule by the commissioner for this purpose;
(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
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 subparagraph (5) above; and
(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 2017 effective date of this rule.
Source. #7419, eff
7-1-01; ss by #9516, eff 7-25-09; ss by #12219, eff 7-25-17
Ins 3505.07 Exemption
from Unitary Reserves for Certain n-Year
Renewable Term Life Insurance Policies.
(a) 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 10 years
and less than twice the size of the earlier n-year
periods, and for each period, the premium rates on both the 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.
Source. #7419, eff
7-1-01; ss by #9516, eff 7-25-09; ss by #12219, eff 7-25-17
Ins 3505.08 Exemption
from Unitary Reserves for Certain Juvenile Policies.
(a) 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) At issue, the insured is age twenty-four (24)
or younger;
(2) Until the insured reaches the end of the
juvenile period, which shall occur at or before age twenty-five (25), 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.
Source. #7419, eff 7-1-01; ss by #9516, eff 7-25-09; ss by #12219, eff 7-25-17
PART Ins 3506 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
Ins 3506.01 General
Provisions.
(a) Policies with a
secondary guarantee include:
(1) A policy with a guarantee that the policy
will remain in force at the original schedule of benefits, subject only to the
payment of specified premiums;
(2) 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
after the 2017 effective date of this rule by the NAIC and promulgated by rule
by the commissioner for this purpose; or
(3) A policy with any combination of
subparagraphs (1) and (2) above.
(b) 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 Ins 3506.02 and Ins 3506.03 below shall be
recalculated from issue to reflect these changes.
(c) 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.
(d) 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 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.
(e) 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 Ins 3504.02(a)(2), Ins 3504.02(a)(3), and Ins
3504.02(a)(4) may not be used to calculate the one-year valuation premiums.
(f) 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.
Source. #7419, eff 7-1-01; ss by # 9516, eff 7-25-09;
ss by #12219, eff 7-25-17
Ins 3506.02 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
be minimum premiums, that keep the policy in force and the segments will be
determined according to the contract segmentation method as defined in Ins 3503.01(b).
Source. #7419, eff 7-1-01; ss by # 9516, eff 7-25-09;
ss by #12219, eff 7-25-17
Ins 3506.03 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 Ins 3505.02 with gross premiums set equal to the
specified premiums, if any, or otherwise to the minimum premiums that keep the
policy in force.
Source. #7419, eff 7-1-01; ss by # 9516, eff 7-25-09;
ss by #12219, eff 7-25-17
Ins 3506.04 Minimum
Reserves.
(a) The minimum
reserves during the secondary guarantee period are the greater of:
(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 rules governing universal life plans.
Source. #7419, eff
7-1-01; ss by # 9516, eff 7-25-09; ss by #12219, eff 7-25-17
APPENDIX 1
SELECT MORTALITY FACTORS
This appendix contains
tables of select mortality factors that are the bases to which the respective
percentage of Ins 3504.01 (a) (2), Ins 3504.02 (a)
(2), and Ins 3504.02 (a) (3) are applied.
The six tables of select
mortality factors contained herein include:
(1) male aggregate,
(2) male nonsmoker,
(3) male smoker,
(4) female aggregate,
(5) female nonsmoker, and
(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
percent (80%) of the appropriate male table in this Appendix, plus twenty
percent (20%) of the appropriate female table in this Appendix.
Appendix
SELECT MORTALITY FACTORS
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 |
86 |
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 |
66 |
67 |
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 |
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 |
85 |
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 |
33 |
48 |
50 |
53 |
55 |
57 |
61 |
67 |
72 |
74 |
75 |
76 |
81 |
100 |
100 |
100 |
100 |
|
55 |
25 |
32 |
37 |
43 |
47 |
59 |
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 |
100 |
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 |
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 |
69 |
69 |
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 |
52 |
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 |
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 |
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 |
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 |
86 |
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 |
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 |
60 |
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 |
90 |
94 |
97 |
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 |
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 |
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 |
100 |
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 |
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 |
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 |
75 |
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 |
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 |
52 |
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 |
62 |
66 |
68 |
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 |
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 |
344 |
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 |
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 |
75 |
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 |
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 |
90 |
92 |
92 |
94 |
95 |
97 |
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 |
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 |
85 |
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 |
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 |
PART Ins 3507
RECOGNITION OF THE 2001 CSO MORTALITY TABLE FOR USE IN DETERMINING
MINIMUM RESERVE LIABILITIES AND NONFORFEITURE BENEFITS
Statutory Authority: RSA 400-A:15; RSA
409:5-b, VIII(f)
Ins 3507.01 Purpose. The
purpose of this part is to recognize, permit, and prescribe the use of the 2001
Commissioners' Standard Ordinary (CSO) Mortality Table in accordance with RSA
410:3, I, RSA 409:5-b, VIII(f), Ins 3504.01,
and Ins 3504.02.
Source. #8144, eff 9-1-04; ss by #10194, eff 10-1-12;
ss by #13471, eff 10-24-22
Ins 3507.02 Definitions Used
in This Part.
(a) "2001
CSO Mortality Table" means that mortality table, consisting of separate
rates of mortality for male and female lives, 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. The 2001 CSO Mortality Table is included in
the proceedings of the NAIC (2nd Quarter 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.
(b) "2001
CSO Mortality Table (F)" means that mortality table consisting of the
rates of mortality for female lives from the 2001 CSO Mortality Table.
(c) "2001
CSO Mortality Table (M)" means that mortality table consisting of the
rates of mortality for male lives from the 2001 CSO Mortality Table.
(d) "Composite
mortality tables" means mortality tables with rates of mortality that do
not distinguish between smokers and nonsmokers.
(e) "Smoker
and nonsmoker mortality tables" means mortality tables with separate rates
of mortality for smokers and nonsmokers.
Source. #8144, eff 9-1-04; ss by #10194, eff 10-1-12;
ss by #13471, eff 10-24-22
Ins 3507.03 2001 CSO
Mortality Table.
(a) At
the election of the company for any one or more specified plans of insurance
and subject to the conditions stated in this rule, the 2001 CSO Mortality Table
may be used as the minimum standard for policies issued on or after January 1,
2005 and before the date specified in (b) to which RSA 410:3, I, RSA
409:5-b, VIII(f),
Ins 3504.01, and Ins 3504.02 are applicable. If the company elects
to use the 2001 CSO Mortality Table, it shall do so for both valuation
and nonforfeiture purposes.
(b) Subject
to the conditions stated in this rule, the 2001 CSO Mortality Table shall be
used in determining minimum standards for policies issued on and after January
1, 2009, to which RSA 410:3, I, RSA 409:5-b, VIII(f), Ins 3504.01, and Ins 3504.02 are applicable.
Source. #8144, eff 9-1-04; ss by #10194, eff 10-1-12;
ss by #13471, eff 10-24-22
Ins 3507.04 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 RSA 410:7 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 Ins 3505.01 through Ins 3505.08
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
commissioner shall be based on an asset adequacy analysis as specified in Ins 2401.05. The commissioner may exempt a
company from this requirement if it only does business in this state and in no
other state.
Source. #8144, eff 9-1-04; ss by #10194, eff 10-1-12;
ss by #13471, eff 10-24-22
Ins 3507.05 Applicability of
the 2001 CSO Mortality Table.
(a) The
2001 CSO Mortality Table may be used in the following manner, subject to the
transition dates for use of the 2001 CSO Mortality Table in Ins
3507.03:
(1) Ins 3502.01 (a)(1)b.2.: The
net level reserve premium is based on the ultimate mortality rates in the 2001
CSO Mortality Table.
(2) Ins 3503.01 (b): All
calculations are made using the 2001 CSO Mortality Rate, and, if elected, the
optional minimum mortality standard for deficiency reserves stipulated in Ins 3507.05 (a)(4). The
value of "qx+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) Ins 3504.01: The 2001 CSO
Mortality Table is the minimum standard for basic reserves.
(4) Ins 3504.02: 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 Ins 3504.02 (a)(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 rule
or necessary to be in compliance with relevant
Actuarial Standards of Practice.
(5) Ins 3505.03: 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) Ins 3505.05 (a)(4): The
calculations specified in Ins 3505.05 shall use the
ultimate mortality rates in the 2001 CSO Mortality Table.
(7) Ins 3505.06 (a)(4): The
calculations specified in Ins 3505.06 shall use the ultimate
mortality rates in the 2001 CSO Mortality Table.
(8) Ins 3505.07 (a)(2): The
calculations specified in Ins 3505.07 shall use the
ultimate mortality rates in the 2001 CSO Mortality Table.
(9) Ins 3506.01 (a)(2): 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 Ins 3500 to include life insurance policies exempted
under Ins 3502.01.
Source. #8144, eff 9-1-04; ss by #10194, eff 10-1-12;
ss by #13471, eff 10-24-22
Ins 3507.06 Gender-Blended
Tables.
(a) For
any ordinary life insurance policy delivered or issued for delivery in this
state on and after January 1, 2005, 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 of the
rule.
(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 RSA 417 for an insurer to issue
the same kind of policy of life insurance on both a sex-distinct and
sex-neutral basis.
Source. #8144, eff 9-1-04; ss by #10194, eff 10-1-12;
ss by #13471, eff 10-24-22
Ins 3507.07 Waiver
or Suspension of Rules.
(a)
The commissioner, upon the
commissioner’s own initiative or upon request by an insurer, shall waive any requirement of this chapter
if such waiver does not contradict the objective or intent of the rule
and:
(1) Applying the rule
provision would cause confusion or would be misleading to consumers;
(2) The rule provision is in
whole or in part inapplicable to the given circumstances;
(3) There are specific circumstances unique to
the situation such that strict compliance with the rule would be onerous without promoting the objective or intent of the rule
provision; or
(4) Any other similar extenuating circumstances
exist such that application of an alternative standard or
procedure better promotes the objective or intent of the rule provision.
(b)
No requirement prescribed by statute shall be waived unless expressly
authorized by law.
(c)
Any person or entity seeking a waiver shall make a request in writing to
the commissioner.
(d)
A request for a waiver shall specify the basis for the waiver and
proposed alternative, if any.
(e) Waivers that are granted
shall be in effect for the period of time requested
and approved by the commissioner.
Source. #13471, eff 10-24-22
PART Ins 3508 PERMITTING THE RECOGNITION OF PREFERRED
MORTALITY TABLES FOR USE IN DETERMINING MINIMUM RESERVE LIABILITIES
Statutory Authority:
RSA 400-A;15,
Ins 3508.01 Purpose. The purpose of
this part is to recognize, permit and prescribe the use of mortality tables
that reflect differences in mortality between preferred and standard lives in
determining minimum reserve liabilities in accordance with RSA 410:3, I., RSA
409:5-b, VIII. (f), Ins 3504.01 and Ins 3504.02.
Source. #8886, eff 6-1-07; ss by #10879, eff 7-10-15
Ins 3508.02 Definitions.
(a) "2001
CSO Mortality Table" means that mortality table, consisting of separate
rates of mortality for male and female lives, 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 Tax
Force, and adopted by the National Association of Insurance Commissioners
(NAIC) in December 2002. The 2001 CSO
Mortality Table is included in the proceedings of the NAIC (2nd Quarter 2002)
and supplemented by the 2001 CSO Preferred Class Structure Mortality Table
defined in (b) below. 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.
Mortality tables in the 2001 CSO Mortality Table include the following:
(1) "2001
CSO Mortality Table (F)" means that mortality table consisting of the
rates of mortality for female lives from the 2001 CSO Mortality Table.
(2) "2001
CSO Mortality Table (M)" means that mortality table consisting of the
rates of mortality for male lives from the 2001 CSO Mortality Table.
(3)
"Composite mortality tables" means mortality tables with rates
of mortality that do not distinguish between smokers and nonsmokers.
(4)
"Smoker and nonsmoker mortality tables" means mortality tables
with separate rates of mortality for smokers and nonsmokers.
(b) "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 tables, as adopted
by the NAIC at the September, 2006 national meeting and
published in the NAIC Proceedings [3rd Quarter 2006]. 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.
(c) "Statistical agent" means an entity
with proven systems for protecting the confidentiality of individual insured and insurer information;
demonstrated resources for and history of ongoing electronic communications and
data transfer ensuring data integrity with insurers, which are its members or
subscribers; and a history of and means for aggregation of data and accurate
promulgation of the experience modifications in a timely manner.
Source. #8886, eff 6-1-07; ss by #10879, eff 7-10-15
Ins 3508.03 2001 CSO Preferred Class
Structure Table. At the
election of the company, for each calendar year of issue, for any one or more
specified plans of insurance and subject to satisfying the conditions stated in this part, the 2001 CSO Preferred
Class Structure Mortality Table may be substituted in place of the 2001 CSO
Smoker or Nonsmoker Mortality Table as the minimum valuation standard for
policies issued on or after January 1, 2007.
For policies issued on or after September 1, 2004, and prior to January
1, 2007, these tables may be substituted with the consent of the commissioner
and subject to the conditions of Ins 3508.04. In determining such consent, the commissioner
may rely on the consent of the commissioner of the company’s state of
domicile. No such election shall be made
until the company demonstrates at least 20 percent of the business to be valued
on this table is in one or more of the preferred classes. A table from the 2001
CSO Preferred Class Structure Mortality Table used in place of a 2001 CSO
Mortality Table, pursuant to the requirements of this part, will be treated as
part of the 2001 CSO Mortality Table only for purposes of reserve valuation pursuant
to the requirements of Ins 3507 Recognition of the
2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and
Nonforfeiture Benefits.
Source. #8886, eff 6-1-07; ss by #10879, eff 7-10-15
Ins 3508.04
Conditions.
(a) For each plan of insurance with separate
rates for preferred and standard nonsmoker lives, an insurer may use the super preferred nonsmoker,
preferred nonsmoker, and residual standard nonsmoker tables to substitute for
the nonsmoker mortality table found in the 2001 CSO Mortality Table to
determine minimum reserves. At the time
of election and annually thereafter, except for business valued under the
residual standard nonsmoker table, the appointed actuary shall certify that:
(1) The present
value of death benefits over the next 10 years after the valuation date, using
the anticipated mortality experience without recognition of mortality
improvement beyond the valuation date for each class, is less than the present
value of death benefits using the valuation basic table corresponding to the
valuation table being used for that class.
(2) The present
value of death benefits over the future life of the contracts, using
anticipated mortality experience without recognition of mortality improvement
beyond the valuation date for each class, is less than the present value of
death benefits using the valuation basic table corresponding to the valuation
table being used for that class.
(b) For each plan of insurance with separate
rates for preferred and standard smoker lives, an insurer may use the preferred smoker and residual standard
smoker tables to substitute for the smoker mortality table found in the 2001
CSO Mortality Table to determine minimum reserves. At the time of election and annually
thereafter, for business valued under the Preferred Smoker Table, the appointed
actuary shall certify that:
(1) The present
value of death benefits over the next 10 years after the valuation date, using
the anticipated mortality experience without recognition of mortality improvement
beyond the valuation date for each class, is less than the present value of
death benefits using the preferred smoker valuation basic table corresponding
to the valuation table being used for that class.
(2) The present
value of death benefits over the future life of the contracts, using
anticipated mortality experience without recognition of mortality improvement
beyond the valuation date for each class, is less than the present value of death
benefits using the preferred smoker valuation basic table.
(c) Unless exempted by the commissioner, every
authorized insurer using the 2001 CSO Preferred Class Structure Table shall
annually file with the commissioner, with the NAIC, or with a statistical agent
designated by the NAIC and
acceptable to the commissioner, statistical reports showing mortality and such
other information as the commissioner may deem necessary or expedient for the
administration of the provisions of this part.
The form of the reports shall be established by the commissioner
or the commissioner may require the use of a form established by the NAIC or by
a statistical agent designated by the NAIC and acceptable to the commissioner.
(d) The use of the 2001 Preferred Class Structure
Table for the valuation of policies issued prior to January 1, 2007 shall not be permitted in any statutory financial
statement in which a company reports, with respect to any policy or portion of
a policy coinsured, either of the following:
(1) In cases
where the mode of payment of the reinsurance premium is less frequent than the
mode of payment of the policy premium, a reserve credit that exceeds, by more
than the amount specified in this paragraph as Y, the gross reserve calculated
before reinsurance. Y is the amount of
the gross reinsurance premium that:
a. Provides coverage for the period from the next policy premium due date
to the earlier of the end of the policy year and the next reinsurance premium
due date; and
b. Would be refunded to the ceding entity upon the termination
of the policy.
(2) In cases
where the mode of payment of the reinsurance premium is more frequent than the
mode of payment of the policy premium, a reserve credit that is less than the
gross reserve, calculated before reinsurance, by an amount that is less than the
amount specified in this paragraph as Z.
Z is the amount of the gross reinsurance premium that the ceding entity
would need to pay the assuming company to provide reinsurance coverage from the
period of the next reinsurance premium due date to the next policy premium due
date minus any liability established for the proportionate amount not remitted
to the reinsurer.
(e) For purposes of this condition (d), the
reserve for the:
(1) Mean
reserve method shall be defined as the mean reserve minus the deferred premium
asset, and
(2)
Mid-terminal reserve methods shall include the unearned premium reserve.
(f) A company may estimate and adjust its
accounting on an aggregate basis in order to meet the
conditions to use the 2001 CSO Preferred Class Structure Table.
Source. #8886, eff 6-1-07; ss by #10879, eff 7-10-15
PART Ins 3509 Preneed Life Insurance Minimum Standards for
Determining Reserve Liabilities and Nonforfeiture Values
Statutory Authority: RSA 400-A;15, I., RSA 409:5-b(f); RSA 410:2-a
Ins 3509.01 Purpose. The purpose of this part is to establish for
preneed insurance products minimum mortality standards for reserves and nonforfeiture values, and to require
the use of the 1980 Commissioners Standard Ordinary (CSO) Life Valuation
Mortality Table for use in determining the minimum standard of valuation of
reserves and the minimum standard nonforfeiture values for preneed insurance
products.
Source. #9245, eff 9-2-08; ss by #11148, eff 9-2-16
Ins 3509.02 Applicability
and Scope. This section applies to
preneed insurance contracts, as defined in Ins
3509.03, and to similar policies and certificates.
Source. #9245, eff 9-2-08; ss by #11148, eff 9-2-16
Ins 3509.03 Definitions. For the purposes of this section:
(a) "2001 CSO
Mortality Table" means that mortality table, consisting of separate rates
of mortality for male and female lives, 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 NAIC in December 2002. The 2001 CSO Mortality Table is included in
the Proceedings of the NAIC (2nd Quarter
2002) and as referenced in Appendix B.
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 the age-last-birthday bases of the mortality tables.
(b) "Ultimate
1980 CSO" means the Commissioners' 1980 Standard Ordinary life Valuation
Mortality Tables (1980 CSO) without 10-year selection factors, incorporated
into the 1980 amendments to the NAIC Standard Valuation Law approved in
December 1983 and as referenced in Appendix B.
(c) "Preneed
insurance" means any life insurance policy or certificate that is issued
in combination with, in support of, with an assignment to, or as a guarantee
for a prearrangement agreement for goods and services to be provided at the
time of and immediately following the death of the insured. Goods and services may include, but are not
limited to embalming, cremation, body preparation, viewing or visitation,
coffin or urn, memorial stone, and transportation of the deceased. The status of the policy or contract as
preneed insurance is determined at the time of issue in accordance with the
policy form filing.
Source. #9245, eff 9-2-08; ss by #11148, eff 9-2-16
Ins 3509.04 Minimum
Valuation Mortality Standards. For
preneed insurance contracts as defined in Ins 3905.03
(c), and similar policies and contracts, the minimum mortality standard for
determining reserve liabilities and non-forfeiture values for both male and
female insureds shall be the Ultimate 1980 CSO.
Source. #9245, eff 9-2-08; ss by #11148, eff 9-2-16
Ins 3509.05 Minimum
Valuation Interest Rate Standards.
(a) The interest
rates used in determining the minimum standard for valuation of preneed
insurance shall be the calendar year statutory valuation interest rates as
defined in RSA 410.
(b) The interest
rates used in determining the minimum standard for nonforfeiture values for
preneed insurance shall be the calendar year statutory nonforfeiture interest
rates as defined in RSA 409.
Source. #9245, eff 9-2-08; ss by #11148, eff 9-2-16
Ins 3509.06 Minimum
Valuation Method Standards.
(a) The method used
in determining the standard for the minimum valuation of reserves of preneed
insurance shall be the method defined in RSA 410.
(b) The method used
in determining the standard for the minimum nonforfeiture values for preneed
insurance shall be the method defined in RSA 409.
Source. #9245, eff 9-2-08; ss by #11148, eff 9-2-16
Ins 3509.07 Transition
Rules.
(a) For preneed
insurance policies issued on or after September 2, 2008
and before January 1, 2012, the 2001 CSO may be used as the minimum standard
for reserves and minimum standard for non-forfeiture benefits for both male and
female insureds.
(b) If an insurer
elects to use the 2001 CSO as a minimum standard for any policy issued on or
after September 2, 2008 and before January 1, 2012,
the insurer shall provide, as a part of the actuarial opinion memorandum submitted
in support of the company's asset adequacy testing, an annual written
notification to the domiciliary commissioner.
The notification shall include:
(1) A complete list of all
preneed forms that use the 2001 CSO as a minimum standard;
(2) A certification signed by the appointed
actuary stating that the reserve methodology employed by the company in
determining reserves for the preneed policies issued after the effective date
and using the 2001 CSO as a minimum standard, develops adequate reserves. For the purposes of this certification, the
preneed insurance policies using the 2001 CSO as a minimum standard shall not
be aggregated with any other policies; and
(3) Supporting information regarding the adequacy
of reserves for preneed insurance policies issued after September 2, 2008 and using the 2001 CSO as a minimum standard for
reserves.
(c) Preneed
insurance policies issued on or after January 1, 2012, shall use the Ultimate
1980 CSO in the calculation of minimum nonforfeiture values and minimum
reserves.
Source. #9245, eff 9-2-08; ss by #11148, eff 9-2-16
Appendix A- Statutes Implemented
|
Rule |
|
|
|
|
|
Ins 3501.01 |
RSA 400-A:15, I; 410:3; 408:33 |
|
Ins 3502.01 |
RSA 400-A:15, I; 410:2; 408:33 |
|
Ins 3503.01 |
RSA 400-A:15, I; 410:2, 408:33 |
|
Ins 3504.01 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3504.02 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3504.03 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3505.01 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3505.02 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3505.03 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3505.04 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3505.05 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3505.06 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3505.07 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3505.08 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3506.01 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3506.02 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3506.03 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3506.04 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 408:33 |
|
Ins 3507.01 |
RSA 400-A:15; 410:3; RSA 408:33; RSA 409:5-b,
VIII(f)(1)-(2) |
|
Ins 3507.02 |
RSA 410:2; RSA 408:33; RSA 409:5-b; RSA 409:5-c; RSA
409:6-a |
|
Ins 3507.03 |
RSA 410:4; RSA 410:5; RSA 410:7; RSA 408:33;
409:5-b; 409:5-c; RSA 409:6-a |
|
Ins 3507.04 |
RSA 410:4; RSA 410:5; RSA 410:7; RSA 408:33; RSA
409:5-b; RSA 409:5-c; RSA 409:6-a |
|
Ins 3507.05 |
RSA 410:4; RSA 410:5; RSA 410:7; RSA 408:33; RSA
409:5-b; RSA 409:5-c; RSA 409:6-a |
|
Ins 3507.06 |
RSA 410:4; RSA 410:5; RSA 410:7; RSA 408:33; RSA
409:5-b; RSA 409:5-c; RSA 409:6-a |
|
Ins 3507.07 |
RSA 400-A:15 |
|
Ins 3508.01 |
RSA 400-A:15, I.; 410:3, VIII.; 408:33; 409:5-b,
VIII. (f) |
|
Ins 3508.02 |
RSA 410:2; 408:33; 409:5-b; 409:5-c; 409:6-a |
|
Ins 3508.03 |
RSA 410:4; 410:5; 410:6; 410:7; 408:33; 409:5-b; 409:5-c;
409:6-a |
|
Ins 3508.04 |
RSA 410:4; 410:5; 410:6; 410:7; 408:33; 409:5-b;
409:5-c; 409:6-a |
|
Ins 3509.01 |
RSA 400-A:15, I; 409; 410 |
|
Ins 3509.02 |
RSA 400-A:15, I; 410:2; 409:2; 409:5-b; 409:5-c;
409:6-a |
|
Ins 3509.03 |
RSA 400-A:15, I; 410:4; 410:5; 410:6; 410:7; 409:2;
409:5-b; 409:5-c; 409:6-a |
|
Ins 3509.04 |
RSA 400-A:15, I; 410:2; 410:4; 410:5; 410:6;
410:7; 409:5-b; 409:5-c; 409:6-a |
|
Ins 3509.05 |
RSA 400-A:15, I; 410:2; 410:3-b; 410:4; 410:5;
410:6; 410:7; 409:5-b; 409:5-c;
409:6-a |
|
Ins 3509.06 |
RSA 400-A:15, I; 410:2; 410:4; 410:5; 410:6;
410:7; 409:5-b; 409:5-c; 409:6-a |
|
Ins 3509.07 |
RSA 400-A:15, I; 409:5-a; 409:5-b; 409:5-c; 409:6; 409:6-a;
409:8; 410:3-a; 410:3-b |
APPENDIX
B
Incorporation by Reference Information
|
Rule |
Title |
Obtain at: |
|
Ins
3502.01(a)(1)b.2; 3503.01(b); 3503.01(f);
3504.01(a); 3504.02(a); 3505.05(a)(4); 3505.06(a)(4); 3505.07(a)(2);
3506.01(a)(2) |
1980 Commissioners’
Standard Ordinary Mortality Table (1980 CSO Table) developed by the Society
of Actuaries |
Published by Society of
Actuaries Available for no cost at: http://mort.soa.org/ |
|
Ins 3504.02(a)(3)i.2 |
Actuarial Standards of
Practice Developed by the Actuarial Standards Board |
Published by the Actuarial
Standards Board Available for no cost at: http://www.actuarialstandardsboard.org/ standards-of-practice/ |
|
Ins
3504.01(a)(1); 3504.02(a)(1); 3505.03 |
Standard Valuation Law
adopted by the National Association of Insurance Commissioners (NAIC) in 1980 |
Published by the NAIC Available for no cost at: http://www.naic.org/store/free/MDL-820.pdf |
|
Ins 3509.01;
Ins 509.03(b); Ins 3509.04;
Ins 3509.07(c) |
Ultimate 1980 CSO |
On-line, for no cost: http://www.nh.gov/insurance/legal/documents/1980_cso_table_1980_cet_tbl.pdf |
|
Ins 3509.03(a); Ins
3509.07 |
2001 CSO Mortality Table |
On-line, for no cost:
http://www.nh.gov/insurance/legal/documents/2001_cso_2002_naic_proc1153.pdf |