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Office of the Revisor of Statutes

CHAPTER 2747, VALUATION OF LIFE INSURANCE POLICIES

DEPARTMENT OF COMMERCE

Table of Parts
Part Title
2747.0010 APPLICABILITY.
2747.0020 DEFINITIONS.
2747.0030 GENERAL CALCULATION REQUIREMENTS FOR BASIC RESERVES AND PREMIUM DEFICIENCY RESERVES.
2747.0040 CALCULATION OF MINIMUM VALUATION STANDARD FOR POLICIES WITH GUARANTEED NONLEVEL GROSS PREMIUMS OR GUARANTEED NONLEVEL BENEFITS OTHER THAN UNIVERSAL LIFE POLICIES.
2747.0050 MINIMUM VALUATION STANDARD FOR CERTAIN FLEXIBLE PREMIUM AND FIXED PREMIUM UNIVERSAL LIFE INSURANCE POLICIES; SECONDARY GUARANTEE PERIOD POLICIES.
2747.0060 SELECT MORTALITY FACTORS.
2747.0065 2001 CSO MORTALITY TABLE.

2747.0010 APPLICABILITY.

Subpart 1.

Generally.

This chapter applies to all life insurance policies, with or without nonforfeiture values, issued on or after January 1, 2000, subject to the exceptions and conditions in subparts 2 and 3.

Subp. 2.

Exceptions.

A.

This chapter does not apply to an individual life insurance policy issued on or after January 1, 2000, if the policy is issued according to 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 January 1, 2000, that guarantees the premium rates of the new policy. This chapter also does not apply to subsequent policies issued as a result of the exercise of such a provision, or a derivation of the provision, in the new policy.

B.

This chapter does not apply to any universal life policy that meets all of the following requirements:

(1)

the secondary guarantee period, if any, is five years or less;

(2)

the 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 2747.0020 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 chapter does 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 chapter does not apply to a 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.

E.

This chapter does 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.

Subp. 3.

Conditions.

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, is according to part 2747.0040.

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, is according to part 2747.0050.

Statutory Authority:

MS s 45.023; 61A.25

History:

24 SR 800

Published Electronically:

September 14, 2007

2747.0020 DEFINITIONS.

Subpart 1.

Scope.

For purposes of this chapter, the terms defined in this part have the meanings given them.

Subp. 2.

Basic reserves.

"Basic reserves" means reserves calculated according to Minnesota Statutes, section 61A.25, subdivision 4.

Subp. 3.

Contract segmentation method.

"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 in this subpart. All calculations are made using the 1980 CSO valuation tables, as defined in subpart 7, or any other valuation mortality table adopted by the National Association of Insurance Commissioners after January 1, 2000, and adopted by rule by the commissioner for this purpose, and, if elected, the optional minimum mortality standard for deficiency reserves stipulated in part 2747.0030, subpart 2.

The length of a particular contract segment must 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 in this subpart; and
qx+k+t-1 = valuation mortality rate for deficiency reserves in policy year k+t but using the mortality of part 2747.0030, subpart 2, item B, if part 2747.0030, subpart 2, item C, 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 1,000. If GPx+k+t and GPx+k+t-1 are both equal to 0, Gt shall be deemed to be 0.

Subp. 4.

Deficiency reserves.

"Deficiency reserves" means the excess, if greater than zero, of:

A.

minimum reserves calculated according to Minnesota Statutes, section 61A.25, subdivision 7; over

B.

basic reserves.

Subp. 5.

Guaranteed gross premiums.

"Guaranteed gross premiums" means the premiums under a policy of life insurance that are guaranteed and determined at issue.

Subp. 6.

Maximum valuation interest rates.

"Maximum valuation interest rates" means the interest rates defined in Minnesota Statutes, section 61A.25, subdivision 3b, that are to be used in determining the minimum standard for the valuation of life insurance policies.

Subp. 7.

1980 CSO valuation tables.

"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 National Association of Insurance Commissioners Standard Valuation Law, and variations of the 1980 CSO Table approved by the National Association of Insurance Commissioners, such as the smoker and nonsmoker versions approved in December 1983.

Subp. 8.

Scheduled gross premium.

"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 part 2747.0050, subpart 1, item C, if any, or else the minimum premium described in part 2747.0050, subpart 1, item D.

Subp. 9.

Segmented reserves.

"Segmented reserves" means reserves, calculated using segments produced by the contract segmentation method, equal to the present value of all future guaranteed benefits less the present value of all future net premiums to the mandatory expiration of a policy, where the net premiums within each segment are a uniform percentage of the respective guaranteed gross premiums within the segment. The uniform percentage for each segment is such that, at the beginning of the segment, the present value of the net premiums within the segment equals:

A.

the present value of the death benefits within the segment; plus

B.

the present value of any unusual guaranteed cash value as in part 2747.0040, subpart 4, 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 the subitem (1) over subitem (2), 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 must not exceed the net level annual premium on the 19-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;

(2)

a net one-year term premium for the benefits provided for in the first policy year.

The length of each segment is determined by the contract segmentation method, as defined in this part.

The interest rates used in the present value calculations for a policy may not exceed the maximum valuation interest rate, determined with a guarantee duration equal to the sum of the lengths of all segments of the policy.

For both basic reserves and deficiency reserves computed by the segmented method, present values shall include future benefits and net premiums in the current segment and in all subsequent segments.

Subp. 10.

Tabular cost of insurance.

"Tabular cost of insurance" means the net single premium at the beginning of a policy year for one-year term insurance in the amount of the guaranteed death benefit in that policy year.

Subp. 11.

Ten-year select factors.

"Ten-year select factors" means the select factors adopted with the 1980 amendments to the National Association of Insurance Commissioners Standard Valuation Law.

Subp. 12.

Unitary reserves.

"Unitary reserves" means the present value of all future guaranteed benefits less the present value of all future modified net premiums, where:

A.

guaranteed benefits and modified net premiums are considered to the mandatory expiration of the policy; and

B.

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 subitem (1) over subitem (2), as follows:

(1)

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 19-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;

(2)

a net one-year term premium for the benefits provided for in the first policy year.

The interest rates used in the present value calculations for a 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.

Subp. 13.

Universal life insurance policy.

"Universal life insurance policy" means an 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.

Statutory Authority:

MS s 45.023; 61A.25

History:

24 SR 800

Published Electronically:

September 14, 2007

2747.0030 GENERAL CALCULATION REQUIREMENTS FOR BASIC RESERVES AND PREMIUM DEFICIENCY RESERVES.

Subpart 1.

Basic reserves.

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 National Association of Insurance Commissioners after January 1, 2000, and adopted by rule by the commissioner for this purpose. If select mortality factors are elected, they may be:

A.

the ten-year select mortality factors incorporated into the 1980 amendments to the National Association of Insurance Commissioners Standard Valuation Law;

B.

the select mortality factors in part 2747.0060; or

C.

any other table of select mortality factors adopted by the National Association of Insurance Commissioners after January 1, 2000, and adopted by rule by the commissioner for the purpose of calculating basic reserves.

Subp. 2.

Deficiency reserves.

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 National Association of Insurance Commissioners after January 1, 2000, and adopted by rule by the commissioner. If select mortality factors are elected, they may be:

A.

the ten-year select mortality factors incorporated into the 1980 amendments to the National Association of Insurance Commissioners Standard Valuation Law;

B.

the select mortality factors in part 2747.0060;

C.

for durations in the first segment, X percent of the select mortality factors in part 2747.0060, subject to the following:

(1)

X may vary by policy year, policy form, underwriting classification, issue age, or any other policy factor expected to affect mortality experience;

(2)

X is such that, when using the valuation interest rate used for basic reserves, unit (a) is greater than or equal to unit (b):

(a)

the actuarial present value of future death benefits, calculated using the mortality rates resulting from the application of X; and

(b)

the actuarial present value of future death benefits calculated using anticipated mortality experience without recognition of mortality improvement beyond the valuation date;

(3)

X is such that the mortality rates resulting from the application of X are at least as great as the anticipated mortality experience, without recognition of mortality improvement beyond the valuation date, in each of the first five years after the valuation date;

(4)

the appointed actuary shall increase X at any valuation date where it is necessary to continue to meet all the requirements of this item;

(5)

the appointed actuary may decrease X at any valuation date as long as X continues to meet all the requirements of this item;

(6)

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

(7)

if X is less than 100 percent at any duration for any policy, the following requirements shall be met:

(a)

the appointed actuary shall annually prepare an actuarial opinion and memorandum for the company in conformance with part 2711.0230;

(b)

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

(c)

the appointed actuary shall annually give an opinion for all policies subject to this chapter as to whether the mortality rates resulting from the application of X meet the requirements of this item. This opinion shall be supported by an actuarial report, subject to appropriate Actuarial Standards of Practice promulgated by the Actuarial Standards Board of the American Academy of Actuaries. The X factors shall reflect anticipated future mortality, without recognition of mortality improvement beyond the valuation date, taking into account relevant emerging experience; or

D.

any other table of select mortality factors adopted by the National Association of Insurance Commissioners after January 1, 2000, and adopted by rule by the commissioner for the purpose of calculating deficiency reserves.

Subp. 3.

Use of select mortality factors.

This subpart 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 years, the appropriate ten-year select mortality factors incorporated into the 1980 amendments to the National Association of Insurance Commissioners Standard Valuation Law may be used thereafter through the tenth policy year from the date of issue.

Subp. 4.

Gross premiums and policy fees.

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.

Subp. 5.

Reserves for changed policies.

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:

A.

reserves calculated ignoring the guarantee;

B.

reserves assuming the guarantee was made at issue; and

C.

reserves assuming that the policy was issued on the date of the guarantee.

Subp. 6.

Documentation.

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 January 1, 2000. This documentation may include a demonstration of the extent to which aggregation with other nonspecified blocks of business is relied upon in the formation of the appointed actuary opinion pursuant to and consistent with part 2711.0230.

Statutory Authority:

MS s 45.023; 61A.25

History:

24 SR 800; 37 SR 1455; 38 SR 847

Published Electronically:

December 16, 2013

2747.0040 CALCULATION OF MINIMUM VALUATION STANDARD FOR POLICIES WITH GUARANTEED NONLEVEL GROSS PREMIUMS OR GUARANTEED NONLEVEL BENEFITS OTHER THAN UNIVERSAL LIFE POLICIES.

Subpart 1.

Basic reserves.

Basic reserves are calculated as the greater of the segmented reserves and the unitary reserves. Both the segmented reserves and the unitary reserves for a 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 items A and B may be made:

A.

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

B.

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.

Subp. 2.

Deficiency reserves.

A.

The deficiency reserve at any duration is calculated on:

(1)

a unitary basis if the corresponding basic reserve determined by subpart 1 is unitary;

(2)

a segmented basis if the corresponding basic reserve determined by subpart 1 is segmented; or

(3)

the segmented basis if the corresponding basic reserve determined by subpart 1 is equal to both the segmented reserve and the unitary reserve.

B.

This subpart applies to a policy for which the guaranteed gross premium at any duration is less than the corresponding modified net premium calculated by the method used in determining the basic reserves, but using the minimum valuation standards of mortality, specified in part 2747.0030, subpart 2, and rate of interest.

C.

Deficiency reserves, if any, are 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 quantity A is obtained as indicated in part 2747.0030, subpart 2.

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.

Subp. 3.

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 National Association of Insurance Commissioners 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, exclusive of any deduction for policy loans, upon termination of the policy.

Subp. 4.

Unusual pattern of guaranteed cash surrender values.

A.

For a policy with an unusual pattern of guaranteed cash surrender values, the reserves actually held before the first unusual guaranteed cash surrender value must 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 must 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 before 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;

(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 unit (a) divided by unit (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 last unusual guaranteed cash surrender value, if any, scheduled at the beginning of the n-year period;

(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 subpart, 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)

110 percent of the scheduled gross premium for that year;

(2)

110 percent 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 of the first policy year surrender charge, if any.

Subp. 5.

Optional exemption for yearly renewable term reinsurance.

At the option of the company, the following approach for reserves on yearly renewable term reinsurance may be used:

A.

Calculate the valuation net premium for each future policy year as the tabular cost of insurance for that future year.

B.

Basic reserves shall never be less than the tabular cost of insurance for the appropriate period, as defined in subpart 3.

C.

Deficiency reserves.

(1)

For each policy year, calculate the excess, if greater than zero, of the valuation net premium over the respective maximum guaranteed gross premium.

(2)

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 subitem (1).

D.

For purposes of this subpart, 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 January 1, 2000, by the National Association of Insurance Commissioners and adopted by rule by the commissioner for this purpose.

E.

A reinsurance agreement shall be considered yearly renewable term reinsurance for purposes of this subpart if only the mortality risk is reinsured.

F.

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.

Subp. 6.

Optional exemption for attained-age-based yearly renewable term life insurance policies.

At the option of the company, the following approach for reserves for attained-age-based yearly renewable term life insurance policies may be used:

A.

Calculate the valuation net premium for each future policy year as the tabular cost of insurance for that future year.

B.

Basic reserves shall never be less than the tabular cost of insurance for the appropriate period, as defined in subpart 3.

C.

Deficiency reserves.

(1)

For each policy year, calculate the excess, if greater than zero, of the valuation net premium over the respective maximum guaranteed gross premium.

(2)

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 subitem (1).

D.

For purposes of this subpart, 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 January 1, 2000, by the National Association of Insurance Commissioners and adopted by rule by the commissioner for this purpose.

E.

A policy shall be considered an attained-age-based yearly renewable term life insurance policy for purposes of this subpart if:

(1)

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

(2)

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.

F.

For policies that become attained-age-based yearly renewable term policies after an initial period of coverage, the approach of this subpart may be used after the initial period if:

(1)

the initial period is constant for all insureds of the same sex, risk class, and plan of insurance; or

(2)

the initial period runs to a common attained age for all insureds of the same sex, risk class, and plan of insurance; and

(3)

after the initial period of coverage, the policy meets the conditions of item E.

G.

If this election is made, this approach shall be applied in determining reserves for all attained-age-based yearly renewable term life insurance policies issued on or after January 1, 2000.

Subp. 7.

Exemption from unitary reserves for certain n-year renewable term life insurance policies.

Unitary basic reserves and unitary deficiency reserves need not be calculated for a policy if the following conditions are met:

A.

the policy consists of a series of n-year periods, including the first period and all renewal periods, where n is the same for each period, except that for the final renewal period, n may be truncated or extended to reach the expiry age, provided that this final renewal period is less than ten years and less than twice the size of the earlier n-year periods, and for each period, the premium rates on both the initial current premium scale and the guaranteed maximum premium scale are level;

B.

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

C.

there are no cash surrender values in any policy year.

Subp. 8.

Exemption from unitary reserves for certain juvenile policies.

Unitary basic reserves and unitary deficiency reserves need not be calculated for a policy if the following conditions are met, based upon the initial current premium scale at issue:

A.

at issue, the insured is age 24 or younger;

B.

until the insured reaches the end of the juvenile period, which shall occur at or before age 25, the gross premiums and death benefits are level, and there are no cash surrender values; and

C.

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.

Statutory Authority:

MS s 45.023; 61A.25

History:

24 SR 800

Published Electronically:

September 14, 2007

2747.0050 MINIMUM VALUATION STANDARD FOR CERTAIN FLEXIBLE PREMIUM AND FIXED PREMIUM UNIVERSAL LIFE INSURANCE POLICIES; SECONDARY GUARANTEE PERIOD POLICIES.

Subpart 1.

General.

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 January 1, 2000, by the National Association of Insurance Commissioners and adopted by rule by the commissioner for this purpose; or

(3)

a policy with any combination of subitems (1) and (2).

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 must be considered to have been made at issue. Reserves described in subparts 2 and 3 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 part, the minimum premium for a 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 part 2747.0030, subpart 2, items B to D, 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.

Subp. 2.

Basic reserves for secondary guarantees.

Basic reserves for the secondary guarantees must be the segmented reserves for the secondary guarantee period. In calculating the segments and the segmented reserves, the gross premiums shall be set equal to the specified premiums, if any, or otherwise to the minimum premiums, that keep the policy in force and the segments will be determined according to the contract segmentation method as defined in part 2747.0020, subpart 3.

Subp. 3.

Deficiency reserves for 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 part 2747.0040, subpart 2, with gross premiums set equal to the specified premiums, if any, or otherwise to the minimum premiums that keep the policy in force.

Subp. 4.

Minimum reserves.

The minimum reserves during the secondary guarantee period are the greater of:

A.

the basic reserves for the secondary guarantee plus the deficiency reserve, if any, for the secondary guarantees; or

B.

the minimum reserves required by other rules or regulations governing universal life plans.

Statutory Authority:

MS s 45.023; 61A.25

History:

24 SR 800

Published Electronically:

September 14, 2007

2747.0060 SELECT MORTALITY FACTORS.

Subpart 1.

Generally.

The tables of select mortality factors contained in subparts 2 to 7 include: (1) male aggregate; (2) male nonsmokers; (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 80 percent of the appropriate male table in this part, plus 20 percent of the appropriate female table in this part.

Subp. 2.

Male, aggregate.

ISSUE AGE DURATION
1 2 3 4 5 6 7 8
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 100 100 100 100 100 100 100 100
18 96 98 98 99 99 100 100 90
19 83 84 84 87 87 87 79 79
20 69 71 71 74 74 69 69 67
21 66 68 69 71 66 66 67 66
22 65 66 66 63 63 64 64 64
23 62 63 59 60 62 62 63 63
24 60 56 56 59 59 60 61 61
25 52 53 55 56 58 58 60 60
26 51 52 55 56 58 58 57 61
27 51 52 55 57 58 60 61 61
28 49 51 56 58 60 60 61 62
29 49 51 56 58 60 61 62 62
30 49 50 56 58 60 60 62 63
31 47 50 56 58 60 62 63 64
32 46 49 56 59 60 62 63 66
33 43 49 56 59 62 63 64 62
34 42 47 56 60 62 63 61 63
35 40 47 56 60 63 61 62 65
36 38 42 56 60 59 61 63 65
37 38 45 56 57 61 62 63 65
38 37 44 53 58 61 62 65 66
39 37 41 53 58 62 63 65 65
40 34 40 53 58 62 63 65 65
41 34 41 53 58 62 63 65 64
42 34 43 53 58 61 62 63 63
43 34 43 54 59 60 61 63 62
44 34 44 54 58 59 60 61 60
45 34 45 53 58 59 60 60 60
46 31 43 52 56 57 58 59 59
47 32 42 50 53 55 56 57 58
48 32 41 47 52 54 56 57 57
49 30 40 46 49 52 54 55 56
50 30 38 44 47 51 53 54 56
51 28 37 42 46 49 53 54 56
52 28 35 41 45 49 51 54 56
53 27 35 39 44 48 51 53 55
54 27 33 38 44 48 50 53 55
55 25 32 37 43 47 50 53 55
56 25 32 37 43 47 49 51 54
57 24 31 38 43 47 49 51 54
58 24 31 38 43 48 48 50 53
59 23 30 39 43 48 48 51 53
60 23 30 39 43 48 47 50 52
61 23 30 39 43 49 49 50 52
62 23 30 39 44 49 49 51 52
63 22 30 39 45 50 50 52 75
64 22 30 39 45 50 51 75 75
65 22 30 39 45 50 65 70 70
66 22 30 39 45 60 65 70 70
67 22 30 39 60 60 65 70 70
68 23 32 55 60 60 65 70 70
69 23 52 55 60 60 65 70 70
70 48 52 55 60 60 65 70 70
71 48 52 55 60 60 65 70 70
72 48 52 55 60 60 65 70 70
73 48 52 55 60 60 65 70 70
74 48 52 55 60 60 65 70 70
75 48 52 55 60 60 65 70 70
76 48 52 55 60 60 65 70 70
77 48 52 55 60 60 65 70 70
78 48 52 55 60 60 65 70 100
79 48 52 55 60 60 65 100 100
80 48 52 55 60 60 100 100 100
81 48 52 55 60 100 100 100 100
82 48 52 55 100 100 100 100 100
83 48 52 100 100 100 100 100 100
84 48 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
9 10 11 12 13 14 15 16
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 100 100 100 100 100 100 100 100
18 92 92 92 92 93 93 96 97
19 79 81 81 82 82 82 85 88
20 69 70 71 71 71 71 74 79
21 67 70 70 70 70 71 71 77
22 65 68 68 68 68 69 71 77
23 64 65 65 67 67 69 70 76
24 61 64 64 64 66 67 70 76
25 60 63 62 63 64 67 69 75
26 61 62 63 64 66 69 66 73
27 60 63 63 64 67 66 67 74
28 62 63 64 66 65 66 68 74
29 62 64 64 62 66 67 70 76
30 63 64 62 63 67 68 71 77
31 64 62 63 66 68 70 72 78
32 62 63 66 67 70 72 73 78
33 65 66 67 70 72 73 75 80
34 66 67 70 71 73 75 76 81
35 67 68 71 73 74 76 76 81
36 67 68 70 72 74 76 77 82
37 67 68 70 72 74 76 76 81
38 67 69 69 73 75 76 77 82
39 66 68 69 72 74 76 76 81
40 66 68 68 71 75 76 77 82
41 64 66 68 70 74 76 77 82
42 63 64 66 69 72 75 77 82
43 62 64 66 67 72 74 77 82
44 61 62 64 67 71 74 77 82
45 59 60 63 66 71 74 77 82
46 59 60 63 67 71 74 75 80
47 59 60 65 68 71 74 75 80
48 57 61 65 68 72 73 74 79
49 57 61 66 69 72 73 74 79
50 57 61 66 71 72 73 75 80
51 57 61 66 71 72 73 75 80
52 57 61 66 71 72 74 75 80
53 57 61 67 71 74 75 76 81
54 57 61 67 72 74 75 76 81
55 57 61 68 72 74 75 78 100
56 56 61 67 70 73 74 100 100
57 56 59 66 69 72 100 100 100
58 56 59 64 67 100 100 100 100
59 55 58 63 100 100 100 100 100
60 53 57 100 100 100 100 100 100
61 53 75 100 100 100 100 100 100
62 75 75 100 100 100 100 100 100
63 75 75 100 100 100 100 100 100
64 75 75 100 100 100 100 100 100
65 70 70 100 100 100 100 100 100
66 70 70 100 100 100 100 100 100
67 70 70 100 100 100 100 100 100
68 70 70 100 100 100 100 100 100
69 70 70 100 100 100 100 100 100
70 70 70 100 100 100 100 100 100
71 70 70 100 100 100 100 100 100
72 70 70 100 100 100 100 100 100
73 70 70 100 100 100 100 100 100
74 70 70 100 100 100 100 100 100
75 70 70 100 100 100 100 100 100
76 70 100 100 100 100 100 100 100
77 100 100 100 100 100 100 100 100
78 100 100 100 100 100 100 100 100
79 100 100 100 100 100 100 100 100
80 100 100 100 100 100 100 100 100
81 100 100 100 100 100 100 100 100
82 100 100 100 100 100 100 100 100
83 100 100 100 100 100 100 100 100
84 100 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
17 18 19 20+
0-15 100 100 100 100
16 100 100 100 100
17 100 100 100 100
18 98 98 99 100
19 91 94 97 100
20 84 90 95 100
21 83 88 94 100
22 83 88 94 100
23 82 88 94 100
24 82 88 94 100
25 81 88 94 100
26 80 86 93 100
27 80 87 93 100
28 81 87 94 100
29 82 88 94 100
30 83 88 94 100
31 83 89 94 100
32 84 89 95 100
33 85 90 95 100
34 86 90 95 100
35 86 90 95 100
36 86 91 95 100
37 86 90 95 100
38 86 91 95 100
39 86 90 95 100
40 86 91 95 100
41 86 91 95 100
42 86 91 95 100
43 86 91 95 100
44 86 91 95 100
45 86 91 95 100
46 85 90 95 100
47 85 90 95 100
48 84 90 95 100
49 84 90 95 100
50 85 90 95 100
51 85 90 95 100
52 85 90 100 100
53 86 100 100 100
54 100 100 100 100
55 100 100 100 100
56 100 100 100 100
57 100 100 100 100
58 100 100 100 100
59 100 100 100 100
60 100 100 100 100
61 100 100 100 100
62 100 100 100 100
63 100 100 100 100
64 100 100 100 100
65 100 100 100 100
66 100 100 100 100
67 100 100 100 100
68 100 100 100 100
69 100 100 100 100
70 100 100 100 100
71 100 100 100 100
72 100 100 100 100
73 100 100 100 100
74 100 100 100 100
75 100 100 100 100
76 100 100 100 100
77 100 100 100 100
78 100 100 100 100
79 100 100 100 100
80 100 100 100 100
81 100 100 100 100
82 100 100 100 100
83 100 100 100 100
84 100 100 100 100
85+ 100 100 100 100

Subp. 3.

Male, nonsmoker.

ISSUE AGE DURATION
1 2 3 4 5 6 7 8
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 100 100 100 100 100 100 100 100
18 93 95 96 98 99 100 100 90
19 80 81 83 86 87 87 79 79
20 65 68 69 72 74 69 69 67
21 63 66 68 71 66 66 67 66
22 62 65 66 62 63 64 64 64
23 60 62 58 60 62 62 63 63
24 59 55 56 58 59 60 61 61
25 52 53 55 56 58 58 60 60
26 51 53 55 56 58 60 61 61
27 51 52 55 58 60 60 61 61
28 49 52 57 58 60 61 63 62
29 49 51 57 60 61 61 62 62
30 49 51 57 60 61 62 63 63
31 47 50 57 60 60 62 63 64
32 46 50 57 60 62 63 64 64
33 45 49 56 60 62 63 64 62
34 43 48 56 62 63 64 62 62
35 41 47 56 62 63 61 62 63
36 40 47 56 62 59 61 62 63
37 38 45 56 58 59 61 62 63
38 38 45 53 58 61 62 63 65
39 37 41 53 58 61 62 63 64
40 34 41 53 58 61 62 63 64
41 34 41 53 58 61 61 62 62
42 34 43 53 58 60 61 62 61
43 32 43 53 58 60 61 60 60
44 32 44 52 57 59 60 60 59
45 32 44 52 57 59 60 59 57
46 32 42 50 54 56 57 57 56
47 30 40 48 52 54 55 55 54
48 30 40 46 49 51 52 53 53
49 29 39 43 48 50 51 50 51
50 29 37 42 45 47 48 49 50
51 27 35 40 43 45 47 48 50
52 27 34 39 42 44 45 48 49
53 25 31 37 41 44 45 47 49
54 25 30 36 39 43 44 47 48
55 24 29 35 38 42 43 45 48
56 23 29 35 38 42 42 44 47
57 23 28 35 38 42 42 43 45
58 22 28 33 37 41 41 43 45
59 22 26 33 37 41 41 42 44
60 20 26 33 37 41 40 41 42
61 20 26 33 37 41 40 41 42
62 19 25 32 38 40 40 41 42
63 19 25 33 36 40 40 41 75
64 18 24 32 36 39 40 75 75
65 18 24 32 36 39 65 70 70
66 18 24 32 36 60 65 70 70
67 18 24 32 60 60 65 70 70
68 18 24 55 60 60 65 70 70
69 18 52 55 60 60 65 70 70
70 48 52 55 60 60 65 70 70
71 48 52 55 60 60 65 70 70
72 48 52 55 60 60 65 70 70
73 48 52 55 60 60 65 70 70
74 48 52 55 60 60 65 70 70
75 48 52 55 60 60 65 70 70
76 48 52 55 60 60 65 70 70
77 48 52 55 60 60 65 70 70
78 48 52 55 60 60 65 70 100
79 48 52 55 60 60 65 100 100
80 48 52 55 60 60 100 100 100
81 48 52 55 60 100 100 100 100
82 48 52 55 100 100 100 100 100
83 48 52 100 100 100 100 100 100
84 48 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
9 10 11 12 13 14 15 16
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 100 100 100 100 100 100 100 100
18 92 92 92 92 95 95 96 97
19 79 81 81 82 83 83 86 89
20 69 70 71 71 72 72 75 80
21 67 70 70 70 71 71 73 78
22 67 68 68 68 70 70 73 78
23 64 67 68 68 67 69 71 77
24 63 65 67 66 66 69 71 77
25 61 64 64 64 64 67 70 76
26 61 63 64 64 66 69 67 74
27 62 63 64 66 67 66 67 74
28 62 64 66 66 63 66 68 74
29 63 64 66 63 65 67 68 74
30 63 64 62 63 66 68 70 76
31 64 62 63 65 67 70 71 77
32 62 63 65 66 68 71 72 78
33 63 65 66 68 71 73 74 79
34 65 66 67 70 72 74 74 79
35 66 67 68 70 72 74 75 80
36 66 67 68 70 72 74 75 80
37 66 67 67 69 71 73 74 79
38 65 67 68 70 72 74 73 78
39 65 67 68 70 71 73 73 78
40 64 66 67 69 71 73 72 78
41 63 65 65 67 69 71 71 77
42 61 63 64 66 67 69 71 77
43 60 60 62 64 66 68 69 75
44 59 58 60 62 65 67 69 75
45 57 57 59 61 63 66 68 74
46 55 56 59 61 63 65 67 74
47 54 55 59 61 62 63 66 73
48 54 55 57 61 62 63 63 70
49 53 54 57 61 61 62 62 70
50 51 54 57 61 61 61 61 69
51 51 53 57 60 61 61 62 70
52 50 53 56 60 60 62 62 70
53 50 51 56 59 61 61 62 70
54 49 51 55 59 59 61 62 70
55 49 50 56 58 59 61 62 100
56 48 50 55 57 58 59 100 100
57 47 49 53 55 56 100 100 100
58 45 47 51 53 100 100 100 100
59 44 46 50 100 100 100 100 100
60 42 45 100 100 100 100 100 100
61 42 75 100 100 100 100 100 100
62 75 75 100 100 100 100 100 100
63 75 75 100 100 100 100 100 100
64 75 75 100 100 100 100 100 100
65 70 70 100 100 100 100 100 100
66 70 70 100 100 100 100 100 100
67 70 70 100 100 100 100 100 100
68 70 70 100 100 100 100 100 100
69 70 70 100 100 100 100 100 100
70 70 70 100 100 100 100 100 100
71 70 70 100 100 100 100 100 100
72 70 70 100 100 100 100 100 100
73 70 70 100 100 100 100 100 100
74 70 70 100 100 100 100 100 100
75 70 70 100 100 100 100 100 100
76 70 100 100 100 100 100 100 100
77 100 100 100 100 100 100 100 100
78 100 100 100 100 100 100 100 100
79 100 100 100 100 100 100 100 100
80 100 100 100 100 100 100 100 100
81 100 100 100 100 100 100 100 100
82 100 100 100 100 100 100 100 100
83 100 100 100 100 100 100 100 100
84 100 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
17 18 19 20+
0-15 100 100 100 100
16 100 100 100 100
17 100 100 100 100
18 98 98 99 100
19 92 94 97 100
20 85 90 95 100
21 84 89 95 100
22 84 89 95 100
23 83 88 94 100
24 83 88 94 100
25 82 88 94 100
26 80 87 93 100
27 80 87 93 100
28 81 87 94 100
29 81 87 94 100
30 82 88 94 100
31 83 88 94 100
32 83 89 94 100
33 84 90 95 100
34 84 90 95 100
35 85 90 95 100
36 85 90 95 100
37 84 90 95 100
38 84 89 95 100
39 84 89 95 100
40 83 89 94 100
41 83 88 94 100
42 83 88 94 100
43 81 88 94 100
44 81 88 94 100
45 81 87 94 100
46 80 87 93 100
47 80 86 93 100
48 78 85 93 100
49 77 85 92 100
50 77 84 92 100
51 77 85 92 100
52 77 85 100 100
53 77 100 100 100
54 100 100 100 100
55 100 100 100 100
56 100 100 100 100
57 100 100 100 100
58 100 100 100 100
59 100 100 100 100
60 100 100 100 100
61 100 100 100 100
62 100 100 100 100
63 100 100 100 100
64 100 100 100 100
65 100 100 100 100
66 100 100 100 100
67 100 100 100 100
68 100 100 100 100
69 100 100 100 100
70 100 100 100 100
71 100 100 100 100
72 100 100 100 100
73 100 100 100 100
74 100 100 100 100
75 100 100 100 100
76 100 100 100 100
77 100 100 100 100
78 100 100 100 100
79 100 100 100 100
80 100 100 100 100
81 100 100 100 100
82 100 100 100 100
83 100 100 100 100
84 100 100 100 100
85+ 100 100 100 100

Subp. 4.

Male, smoker.

ISSUE AGE DURATION
1 2 3 4 5 6 7 8
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 100 100 100 100 100 100 100 100
18 100 100 100 100 100 100 100 100
19 100 100 100 100 100 100 100 100
20 98 100 100 100 100 100 100 99
21 95 98 99 100 95 96 96 95
22 92 95 96 90 90 93 93 92
23 90 92 85 88 88 89 89 89
24 87 81 82 85 84 86 88 86
25 77 78 79 82 81 83 83 82
26 75 77 79 82 82 83 83 82
27 73 75 78 82 82 83 83 82
28 71 73 79 82 81 82 83 81
29 69 72 78 81 81 82 82 81
30 68 71 78 81 81 81 82 81
31 65 70 77 81 79 81 82 81
32 63 67 77 78 79 81 81 81
33 60 65 74 78 79 79 81 76
34 57 62 74 77 79 79 75 76
35 53 60 73 77 79 75 75 76
36 52 59 71 75 74 75 75 76
37 49 58 70 71 74 74 75 76
38 48 55 66 70 72 74 74 75
39 45 50 65 70 72 72 74 74
40 41 49 63 68 71 72 73 74
41 40 49 63 68 71 72 72 72
42 40 49 62 68 70 71 71 71
43 39 50 62 67 69 69 70 70
44 39 50 60 66 68 69 68 69
45 37 50 60 66 68 68 68 67
46 37 48 58 63 65 67 66 66
47 36 47 55 61 63 64 64 64
48 35 46 53 58 60 62 63 63
49 34 45 51 56 58 59 61 62
50 34 43 49 53 55 57 60 61
51 32 42 47 52 55 57 60 61
52 32 40 46 50 54 56 60 61
53 30 37 44 49 54 56 59 61
54 30 36 43 48 53 55 59 61
55 29 35 42 47 53 55 59 61
56 28 35 42 47 53 55 57 60
57 28 35 42 47 53 54 57 60
58 26 33 43 48 54 54 56 59
59 26 33 43 48 54 53 57 59
60 25 33 43 48 54 53 56 58
61 25 33 43 49 55 55 57 59
62 25 33 43 50 56 56 58 61
63 24 33 45 51 56 56 59 75
64 24 34 45 51 57 57 75 75
65 24 34 45 52 57 65 70 70
66 24 35 45 53 60 65 70 70
67 25 35 45 60 60 65 70 70
68 25 36 55 60 60 65 70 70
69 27 52 55 60 60 65 70 70
70 48 52 55 60 60 65 70 70
71 48 52 55 60 60 65 70 70
72 48 52 55 60 60 65 70 70
73 48 52 55 60 60 65 70 70
74 48 52 55 60 60 65 70 70
75 48 52 55 60 60 65 70 70
76 48 52 55 60 60 65 70 70
77 48 52 55 60 60 65 70 70
78 48 52 55 60 60 65 70 100
79 48 52 55 60 60 65 100 100
80 48 52 55 60 60 100 100 100
81 48 52 55 60 100 100 100 100
82 48 52 55 100 100 100 100 100
83 48 52 100 100 100 100 100 100
84 48 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
9 10 11 12 13 14 15 16
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 100 100 100 100 100 100 100 100
18 100 100 100 100 100 100 100 100
19 100 100 100 100 100 100 100 100
20 99 99 100 99 99 99 100 100
21 96 97 97 96 96 96 96 97
22 93 95 95 93 93 92 93 94
23 90 90 90 90 89 90 92 94
24 86 88 88 86 86 88 89 91
25 83 85 84 84 84 85 86 89
26 83 84 84 84 84 85 81 85
27 82 82 82 84 84 80 81 85
28 81 82 82 82 80 80 81 85
29 81 81 81 77 80 80 81 85
30 81 81 76 77 80 80 81 85
31 81 76 77 79 81 81 83 86
32 76 77 77 80 83 83 85 88
33 77 77 79 80 83 85 85 88
34 77 79 79 81 83 85 87 90
35 77 79 80 82 84 86 88 90
36 77 79 79 81 83 85 87 90
37 77 78 79 81 84 86 86 89
38 76 78 79 81 83 85 87 90
39 75 77 79 81 84 86 86 89
40 74 76 78 80 83 85 86 89
41 73 75 76 78 81 84 85 88
42 71 73 75 76 81 83 85 88
43 70 71 73 76 79 83 85 88
44 69 69 71 74 79 81 85 88
45 67 67 69 73 78 81 85 88
46 66 67 71 74 78 81 84 87
47 65 67 71 75 79 81 84 87
48 65 67 72 75 79 81 83 86
49 63 67 72 77 80 81 83 86
50 63 67 73 78 80 81 81 85
51 63 67 73 78 80 83 84 87
52 63 67 73 78 81 84 85 88
53 65 67 74 79 83 85 87 90
54 65 67 74 80 84 85 89 91
55 65 67 75 80 84 86 90 100
56 63 68 74 79 83 85 100 100
57 64 67 74 78 81 100 100 100
58 63 67 73 78 100 100 100 100
59 63 66 73 100 100 100 100 100
60 62 66 100 100 100 100 100 100
61 63 75 100 100 100 100 100 100
62 75 75 100 100 100 100 100 100
63 75 75 100 100 100 100 100 100
64 75 75 100 100 100 100 100 100
65 70 70 100 100 100 100 100 100
66 70 70 100 100 100 100 100 100
67 70 70 100 100 100 100 100 100
68 70 70 100 100 100 100 100 100
69 70 70 100 100 100 100 100 100
70 70 70 100 100 100 100 100 100
71 70 70 100 100 100 100 100 100
72 70 70 100 100 100 100 100 100
73 70 70 100 100 100 100 100 100
74 70 70 100 100 100 100 100 100
75 70 70 100 100 100 100 100 100
76 70 100 100 100 100 100 100 100
77 100 100 100 100 100 100 100 100
78 100 100 100 100 100 100 100 100
79 100 100 100 100 100 100 100 100
80 100 100 100 100 100 100 100 100
81 100 100 100 100 100 100 100 100
82 100 100 100 100 100 100 100 100
83 100 100 100 100 100 100 100 100
84 100 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
17 18 19 20+
0-15 100 100 100 100
16 100 100 100 100
17 100 100 100 100
18 100 100 100 100
19 100 100 100 100
20 100 100 100 100
21 98 98 99 100
22 96 97 99 100
23 95 97 98 100
24 93 96 98 100
25 92 94 97 100
26 89 92 96 100
27 89 92 96 100
28 89 92 96 100
29 89 92 96 100
30 89 92 96 100
31 90 93 97 100
32 91 94 97 100
33 91 94 97 100
34 92 95 97 100
35 93 95 98 100
36 92 95 9 100
37 92 94 97 100
38 92 95 97 100
39 92 94 97 100
40 92 94 97 100
41 91 94 97 100
42 91 94 97 100
43 91 94 97 100
44 91 94 97 100
45 91 94 97 100
46 90 94 97 100
47 90 94 97 100
48 90 93 97 100
49 90 93 97 100
50 89 92 96 100
51 90 94 97 100
52 91 94 100 100
53 92 100 100 100
54 100 100 100 100
55 100 100 100 100
56 100 100 100 100
57 100 100 100 100
58 100 100 100 100
59 100 100 100 100
60 100 100 100 100
61 100 100 100 100
62 100 100 100 100
63 100 100 100 100
64 100 100 100 100
65 100 100 100 100
66 100 100 100 100
67 100 100 100 100
68 100 100 100 100
69 100 100 100 100
70 100 100 100 100
71 100 100 100 100
72 100 100 100 100
73 100 100 100 100
74 100 100 100 100
75 100 100 100 100
76 100 100 100 100
77 100 100 100 100
78 100 100 100 100
79 100 100 100 100
80 100 100 100 100
81 100 100 100 100
82 100 100 100 100
83 100 100 100 100
84 100 100 100 100
85+ 100 100 100 100

Subp. 5.

Female, aggregate.

ISSUE AGE DURATION
1 2 3 4 5 6 7 8
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 99 100 100 100 100 100 100 100
18 83 83 84 84 84 84 86 78
19 65 66 68 68 68 68 63 63
20 48 50 51 51 51 47 48 48
21 47 48 50 51 47 47 48 49
22 44 47 48 45 47 47 48 49
23 42 45 44 45 47 47 49 51
24 39 40 42 44 47 47 50 51
25 34 38 41 44 47 47 50 53
26 34 38 41 45 49 49 51 56
27 34 38 41 47 50 51 54 57
28 34 37 43 47 53 53 56 59
29 34 38 43 49 54 56 58 60
30 35 38 43 50 56 56 59 63
31 35 38 43 51 56 58 60 64
32 35 39 45 51 56 59 63 66
33 36 39 44 52 58 62 64 65
34 36 40 45 52 58 63 63 66
35 36 40 45 53 59 61 65 67
36 36 40 45 53 55 62 65 67
37 36 41 47 52 57 62 65 67
38 34 41 44 52 57 63 66 68
39 34 40 45 53 58 63 66 68
40 32 40 45 53 58 65 65 67
41 32 40 45 53 57 63 64 67
42 32 40 45 52 56 61 63 65
43 31 39 45 51 55 59 61 65
44 31 39 45 50 54 58 61 63
45 31 38 44 49 53 56 59 62
46 29 37 43 48 51 54 59 62
47 28 35 41 46 49 54 57 61
48 28 35 41 44 49 52 57 61
49 26 34 39 43 47 52 55 61
50 25 32 38 41 46 50 55 61
51 25 32 38 41 45 50 55 61
52 23 30 36 41 45 51 56 61
53 23 30 36 41 47 51 56 61
54 22 29 35 41 47 53 57 61
55 22 29 35 41 47 53 57 61
56 22 29 35 41 45 51 56 59
57 22 29 35 41 45 50 54 56
58 22 30 36 41 44 49 53 56
59 22 30 36 41 44 48 51 53
60 22 30 36 41 43 47 50 51
61 22 29 35 39 42 46 49 50
62 20 28 33 39 41 45 47 49
63 20 28 33 38 41 44 46 80
64 19 27 32 36 40 42 80 80
65 19 25 30 35 39 72 75 75
66 19 25 30 35 72 72 75 75
67 19 25 30 72 72 72 75 75
68 19 25 68 72 72 72 75 75
69 19 64 68 72 72 72 75 75
70 60 60 64 68 68 72 75 75
71 60 60 64 68 68 72 75 75
72 60 60 64 68 68 72 75 75
73 60 60 64 68 68 72 75 75
74 60 60 64 68 68 72 75 75
75 60 60 64 68 68 72 75 75
76 60 60 64 68 68 72 75 75
77 60 60 64 68 68 72 75 75
78 60 60 64 68 68 72 75 100
79 60 60 64 68 68 72 100 100
80 60 60 64 68 68 100 100 100
81 60 60 64 68 100 100 100 100
82 60 60 64 100 100 100 100 100
83 60 60 100 100 100 100 100 100
84 60 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
9 10 11 12 13 14 15 16
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 93 95 96 97 97 100 100 100
18 78 79 82 84 85 88 88 90
19 64 66 69 71 72 74 75 80
20 49 51 56 57 58 61 63 70
21 51 53 57 60 61 64 64 71
22 53 54 60 61 63 64 66 73
23 53 54 61 64 64 67 69 75
24 54 56 64 64 66 69 70 76
25 56 57 64 67 69 71 73 78
26 58 59 66 69 70 73 70 76
27 59 60 69 70 73 70 71 77
28 62 63 70 73 70 72 74 79
29 63 64 73 70 72 74 75 80
30 66 67 70 71 74 75 76 81
31 67 65 71 72 74 75 76 81
32 65 66 72 72 75 76 76 81
33 66 67 72 74 75 76 76 81
34 67 68 74 74 76 76 76 81
35 68 70 75 74 75 76 75 80
36 68 70 74 74 74 75 75 80
37 68 69 72 72 73 75 74 79
38 69 70 72 71 72 74 75 80
39 69 69 70 70 70 73 74 79
40 68 69 70 69 70 73 73 78
41 68 68 69 69 69 73 74 79
42 66 68 69 68 70 74 75 80
43 65 66 68 69 69 74 77 82
44 64 66 67 68 71 75 78 82
45 63 65 67 68 71 77 79 83
46 63 65 67 69 71 77 78 82
47 62 66 68 69 71 77 77 82
48 63 66 68 71 72 75 77 82
49 63 67 69 71 72 75 75 80
50 63 67 69 72 72 75 74 79
51 63 66 68 69 71 74 74 79
52 62 65 66 68 68 73 73 78
53 62 63 65 66 68 72 72 78
54 61 62 62 66 66 69 70 76
55 61 61 62 63 64 68 69 100
56 60 61 62 63 64 67 100 100
57 58 59 61 62 63 100 100 100
58 57 57 61 62 100 100 100 100
59 55 56 59 100 100 100 100 100
60 53 55 100 100 100 100 100 100
61 52 80 100 100 100 100 100 100
62 80 80 100 100 100 100 100 100
63 80 80 100 100 100 100 100 100
64 80 80 100 100 100 100 100 100
65 80 80 100 100 100 100 100 100
66 80 80 100 100 100 100 100 100
67 80 80 100 100 100 100 100 100
68 80 80 100 100 100 100 100 100
69 80 80 100 100 100 100 100 100
70 80 80 100 100 100 100 100 100
71 80 80 100 100 100 100 100 100
72 80 80 100 100 100 100 100 100
73 80 80 100 100 100 100 100 100
74 80 80 100 100 100 100 100 100
75 80 80 100 100 100 100 100 100
76 80 100 100 100 100 100 100 100
77 100 100 100 100 100 100 100 100
78 100 100 100 100 100 100 100 100
79 100 100 100 100 100 100 100 100
80 100 100 100 100 100 100 100 100
81 100 100 100 100 100 100 100 100
82 100 100 100 100 100 100 100 100
83 100 100 100 100 100 100 100 100
84 100 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
17 18 19 20+
0-15 100 100 100 100
16 100 100 100 100
17 100 100 100 100
18 93 95 98 100
19 85 90 95 100
20 78 85 93 100
21 78 86 93 100
22 80 86 93 100
23 81 88 94 100
24 82 88 94 100
25 84 89 95 100
26 82 88 94 100
27 83 88 94 100
28 84 90 95 100
29 85 90 95 100
30 86 90 95 100
31 86 90 95 100
32 86 90 95 100
33 86 90 95 100
34 86 90 95 100
35 85 90 95 100
36 85 90 95 100
37 84 90 95 100
38 85 90 95 100
39 84 90 95 100
40 84 89 95 100
41 84 90 95 100
42 85 90 95 100
43 86 91 95 100
44 87 91 96 100
45 87 92 96 100
46 87 91 96 100
47 86 91 95 100
48 86 91 95 100
49 85 90 95 100
50 84 90 95 100
51 84 90 95 100
52 84 89 100 100
53 83 100 100 100
54 100 100 100 100
55 100 100 100 100
56 100 100 100 100
57 100 100 100 100
58 100 100 100 100
59 100 100 100 100
60 100 100 100 100
61 100 100 100 100
62 100 100 100 100
63 100 100 100 100
64 100 100 100 100
65 100 100 100 100
66 100 100 100 100
67 100 100 100 100
68 100 100 100 100
69 100 100 100 100
70 100 100 100 100
71 100 100 100 100
72 100 100 100 100
73 100 100 100 100
74 100 100 100 100
75 100 100 100 100
76 100 100 100 100
77 100 100 100 100
78 100 100 100 100
79 100 100 100 100
80 100 100 100 100
81 100 100 100 100
82 100 100 100 100
83 100 100 100 100
84 100 100 100 100
85+ 100 100 100 100

Subp. 6.

Female, nonsmoker.

ISSUE AGE DURATION
1 2 3 4 5 6 7 8
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 96 98 98 98 98 99 99 99
18 78 80 80 80 80 81 81 74
19 60 62 63 63 63 65 59 59
20 42 44 45 45 45 42 42 42
21 41 42 44 45 41 42 42 44
22 39 41 44 41 41 42 44 45
23 38 41 38 40 41 42 44 46
24 36 36 38 40 41 42 46 47
25 32 34 37 40 41 43 46 49
26 32 34 37 41 43 45 47 50
27 32 34 38 43 46 47 49 51
28 30 34 39 43 47 49 51 53
29 30 35 40 45 50 51 52 55
30 31 35 40 46 51 52 53 56
31 31 35 40 46 51 53 55 58
32 32 35 40 45 51 53 56 59
33 32 36 41 47 52 55 58 55
34 33 36 41 47 52 55 55 57
35 33 36 41 47 52 53 57 58
36 33 36 41 47 49 53 57 58
37 32 36 41 44 49 53 57 58
38 32 37 39 45 50 54 57 58
39 30 35 39 45 50 54 57 58
40 28 35 39 45 50 54 56 57
41 28 35 39 45 49 52 55 55
42 27 35 39 44 49 52 54 55
43 27 34 39 44 47 50 53 53
44 26 34 38 42 47 50 52 53
45 26 33 38 42 45 48 51 51
46 24 32 37 40 43 47 49 51
47 24 30 35 39 42 45 47 49
48 23 30 35 37 40 44 47 49
49 23 29 33 35 39 42 45 48
50 21 27 32 34 37 41 44 48
51 21 26 30 34 37 41 44 48
52 20 25 30 33 37 41 44 47
53 19 24 29 32 37 41 43 47
54 18 24 29 32 37 41 43 45
55 18 23 28 32 37 41 43 45
56 18 23 28 32 36 39 42 44
57 18 23 28 31 35 38 41 42
58 17 23 26 31 35 36 38 41
59 17 23 26 30 33 35 38 39
60 17 23 26 30 32 34 36 38
61 17 22 25 29 32 33 35 36
62 16 22 25 28 30 32 34 35
63 16 20 24 28 30 32 34 80
64 14 21 24 27 29 30 80 80
65 15 19 23 25 28 72 75 75
66 15 19 23 25 72 72 75 75
67 15 19 22 72 72 72 75 75
68 13 18 68 72 72 72 75 75
69 13 64 68 72 72 72 75 75
70 60 60 64 68 68 72 75 75
71 60 60 64 68 68 72 75 75
72 60 60 64 68 68 72 75 75
73 60 60 64 68 68 72 75 75
74 60 60 64 68 68 72 75 75
75 60 60 64 68 68 72 75 75
76 60 60 64 68 68 72 75 75
77 60 60 64 68 68 72 75 75
78 60 60 64 68 68 72 75 100
79 60 60 64 68 68 72 100 100
80 60 60 64 68 68 100 100 100
81 60 60 64 68 100 100 100 100
82 60 60 64 100 100 100 100 100
83 60 60 100 100 100 100 100 100
84 60 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
9 10 11 12 13 14 15 16
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 92 92 93 95 95 97 99 99
18 75 75 78 79 82 83 85 88
19 60 60 64 67 67 70 72 78
20 45 45 50 51 53 56 58 66
21 47 47 51 53 54 57 59 67
22 49 49 54 56 57 58 60 68
23 49 50 56 57 58 60 62 70
24 50 51 58 59 60 62 63 70
25 51 53 59 60 62 63 64 71
26 53 53 60 62 63 64 62 70
27 53 55 62 63 64 62 62 70
28 56 58 63 63 61 62 63 70
29 58 59 64 61 62 63 63 70
30 59 60 62 62 63 65 65 72
31 60 58 62 62 63 65 65 72
32 57 58 62 63 63 65 64 71
33 58 59 63 63 65 65 65 72
34 58 59 63 65 64 65 64 71
35 59 61 63 64 64 64 64 71
36 59 61 63 64 63 64 63 70
37 59 60 62 62 61 62 63 70
38 60 60 61 61 61 62 61 69
39 60 59 60 60 59 60 61 69
40 59 59 60 59 59 59 60 68
41 58 57 58 59 58 59 60 68
42 56 57 57 57 58 60 61 69
43 55 55 56 57 56 60 61 69
44 54 55 55 55 56 61 62 70
45 52 53 54 55 56 61 62 70
46 52 53 54 55 56 60 61 69
47 51 53 54 55 56 59 60 68
48 50 53 54 55 55 59 57 66
49 50 53 54 55 55 57 56 65
50 50 53 54 55 55 56 55 64
51 49 51 53 53 54 55 55 64
52 48 50 50 51 51 55 53 62
53 48 48 49 49 51 52 52 62
54 47 47 47 49 49 51 51 61
55 45 45 46 46 47 50 50 100
56 44 45 46 46 46 49 100 100
57 44 44 45 45 46 100 100 100
58 41 42 45 45 100 100 100 100
59 40 41 44 100 100 100 100 100
60 39 40 100 100 100 100 100 100
61 38 80 100 100 100 100 100 100
62 80 80 100 100 100 100 100 100
63 80 80 100 100 100 100 100 100
64 80 80 100 100 100 100 100 100
65 80 80 100 100 100 100 100 100
66 80 80 100 100 100 100 100 100
67 80 80 100 100 100 100 100 100
68 80 80 100 100 100 100 100 100
69 80 80 100 100 100 100 100 100
70 80 80 100 100 100 100 100 100
71 80 80 100 100 100 100 100 100
72 80 80 100 100 100 100 100 100
73 80 80 100 100 100 100 100 100
74 80 80 100 100 100 100 100 100
75 80 80 100 100 100 100 100 100
76 80 100 100 100 100 100 100 100
77 100 100 100 100 100 100 100 100
78 100 100 100 100 100 100 100 100
79 100 100 100 100 100 100 100 100
80 100 100 100 100 100 100 100 100
81 100 100 100 100 100 100 100 100
82 100 100 100 100 100 100 100 100
83 100 100 100 100 100 100 100 100
84 100 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
17 18 19 20+
0-15 100 100 100 100
16 100 100 100 100
17 99 100 100 100
18 91 94 97 100
19 83 89 94 100
20 75 83 92 100
21 75 84 92 100
22 76 84 92 100
23 77 85 92 100
24 78 85 93 100
25 78 86 93 100
26 77 85 92 100
27 77 85 92 100
28 78 85 93 100
29 78 85 93 100
30 79 86 93 100
31 79 86 93 100
32 78 86 93 100
33 79 86 93 100
34 78 86 93 100
35 78 86 93 100
36 78 85 93 100
37 78 85 93 100
38 77 84 92 100
39 77 84 92 100
40 76 84 92 100
41 76 84 92 100
42 77 84 92 100
43 77 84 92 100
44 77 85 92 100
45 77 85 92 100
46 77 84 92 100
47 76 84 92 100
48 74 83 91 100
49 74 82 91 100
50 73 82 91 100
51 73 82 91 100
52 72 81 100 100
53 71 100 100 100
54 100 100 100 100
55 100 100 100 100
56 100 100 100 100
57 100 100 100 100
58 100 100 100 100
59 100 100 100 100
60 100 100 100 100
61 100 100 100 100
62 100 100 100 100
63 100 100 100 100
64 100 100 100 100
65 100 100 100 100
66 100 100 100 100
67 100 100 100 100
68 100 100 100 100
69 100 100 100 100
70 100 100 100 100
71 100 100 100 100
72 100 100 100 100
73 100 100 100 100
74 100 100 100 100
75 100 100 100 100
76 100 100 100 100
77 100 100 100 100
78 100 100 100 100
79 100 100 100 100
80 100 100 100 100
81 100 100 100 100
82 100 100 100 100
83 100 100 100 100
84 100 100 100 100
85+ 100 100 100 100

Subp. 7.

Female, smoker.

ISSUE AGE DURATION
1 2 3 4 5 6 7 8
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 100 100 100 100 100 100 100 100
18 99 100 100 100 100 100 100 95
19 87 89 92 92 92 92 84 84
20 74 77 80 80 80 73 73 73
21 71 74 78 78 71 71 73 74
22 68 71 75 70 71 71 73 74
23 65 69 67 70 70 70 73 77
24 62 60 64 69 70 70 74 77
25 53 58 63 67 69 70 74 78
26 53 58 63 69 71 72 75 79
27 52 56 63 70 74 74 78 81
28 52 56 64 71 75 77 79 82
29 51 56 64 71 78 78 81 84
30 51 56 64 72 79 79 82 85
31 51 56 64 72 78 81 84 84
32 51 56 64 71 78 81 85 86
33 51 57 62 71 78 82 85 83
34 51 56 62 71 78 82 81 83
35 51 56 62 71 78 79 83 84
36 49 56 62 71 74 79 83 84
37 48 55 62 67 74 79 83 84
38 47 55 57 66 72 77 81 84
39 45 50 57 66 72 77 81 83
40 41 50 57 66 72 77 81 83
41 40 50 57 65 71 76 79 81
42 40 49 57 65 69 74 77 80
43 39 49 55 63 69 73 76 78
44 39 48 55 62 67 71 75 78
45 37 47 55 61 65 70 73 76
46 36 46 53 59 63 68 71 75
47 34 44 51 57 62 66 70 75
48 34 44 50 54 60 64 69 74
49 33 42 48 53 58 63 68 74
50 31 41 46 51 57 61 67 74
51 30 39 45 51 56 61 67 74
52 29 38 45 50 56 62 68 74
53 28 37 43 49 57 62 68 73
54 28 36 43 49 57 63 69 73
55 26 35 42 49 57 63 69 73
56 26 35 42 49 56 62 67 71
57 26 35 42 49 55 61 66 69
58 28 36 43 49 55 59 63 68
59 28 36 43 49 54 57 63 67
60 28 36 43 49 53 57 61 64
61 26 35 42 48 52 56 59 63
62 26 33 41 47 51 55 58 62
63 25 33 41 46 51 55 57 80
64 25 33 40 45 50 53 80 80
65 24 32 39 44 49 72 75 75
66 24 32 39 44 72 72 75 75
67 24 32 39 72 72 72 75 75
68 24 32 68 72 72 72 75 75
69 24 64 68 72 72 72 75 75
70 60 60 64 68 68 72 75 75
71 60 60 64 68 68 72 75 75
72 60 60 64 68 68 72 75 75
73 60 60 64 68 68 72 75 75
74 60 60 64 68 68 72 75 75
75 60 60 64 68 68 72 75 75
76 60 60 64 68 68 72 75 75
77 60 60 64 68 68 72 75 75
78 60 60 64 68 68 72 75 100
79 60 60 64 68 68 72 100 100
80 60 60 64 68 68 100 100 100
81 60 60 64 68 100 100 100 100
82 60 60 64 100 100 100 100 100
83 60 60 100 100 100 100 100 100
84 60 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
9 10 11 12 13 14 15 16
0-15 100 100 100 100 100 100 100 100
16 100 100 100 100 100 100 100 100
17 100 100 100 100 100 100 100 100
18 96 97 100 100 100 100 100 100
19 86 86 92 93 95 96 99 99
20 75 77 83 83 86 88 90 92
21 77 79 85 86 88 89 90 92
22 78 79 88 90 89 89 92 94
23 79 81 89 90 90 92 92 94
24 79 81 92 90 92 93 93 94
25 81 82 92 93 93 95 95 96
26 82 82 93 93 95 96 90 92
27 82 84 93 95 95 90 90 92
28 85 86 95 95 90 92 92 94
29 86 88 95 90 90 92 92 94
30 88 89 90 90 92 93 93 94
31 88 84 90 90 92 93 93 94
32 84 85 90 90 92 94 93 94
33 84 85 90 92 93 93 93 94
34 85 86 90 92 92 94 93 94
35 85 86 90 91 91 93 93 94
36 85 86 90 90 91 93 92 94
37 85 86 89 90 89 92 91 93
38 86 86 87 88 88 90 91 93
39 85 86 86 87 86 89 90 92
40 84 85 86 86 86 89 89 91
41 83 84 85 86 85 89 90 92
42 82 83 84 85 86 90 92 94
43 80 82 83 84 85 92 93 94
44 80 80 82 84 86 93 96 97
45 78 80 81 84 86 94 97 98
46 77 79 83 85 86 93 96 97
47 77 80 83 85 86 93 94 95
48 77 80 84 86 87 92 92 94
49 77 81 84 86 87 92 91 93
50 77 81 85 87 87 91 90 92
51 75 80 83 85 85 90 90 92
52 75 79 81 83 84 90 90 92
53 74 77 79 81 83 89 89 91
54 74 75 78 80 81 87 89 91
55 73 74 76 78 79 86 87 100
56 72 74 76 78 79 85 100 100
57 72 73 76 78 79 100 100 100
58 69 72 76 78 100 100 100 100
59 68 70 76 100 100 100 100 100
60 67 69 100 100 100 100 100 100
61 66 80 100 100 100 100 100 100
62 80 80 100 100 100 100 100 100
63 80 80 100 100 100 100 100 100
64 80 80 100 100 100 100 100 100
65 80 80 100 100 100 100 100 100
66 80 80 100 100 100 100 100 100
67 80 80 100 100 100 100 100 100
68 80 80 100 100 100 100 100 100
69 80 80 100 100 100 100 100 100
70 80 80 100 100 100 100 100 100
71 80 80 100 100 100 100 100 100
72 80 80 100 100 100 100 100 100
73 80 80 100 100 100 100 100 100
74 80 80 100 100 100 100 100 100
75 80 80 100 100 100 100 100 100
76 80 100 100 100 100 100 100 100
77 100 100 100 100 100 100 100 100
78 100 100 100 100 100 100 100 100
79 100 100 100 100 100 100 100 100
80 100 100 100 100 100 100 100 100
81 100 100 100 100 100 100 100 100
82 100 100 100 100 100 100 100 100
83 100 100 100 100 100 100 100 100
84 100 100 100 100 100 100 100 100
85+ 100 100 100 100 100 100 100 100
ISSUE AGE DURATION
17 18 19 20+
0-15 100 100 100 100
16 100 100 100 100
17 100 100 100 100
18 100 100 100 100
19 99 100 100 100
20 94 96 98 100
21 94 96 98 100
22 95 97 98 100
23 95 97 98 100
24 96 97 99 100
25 97 98 99 100
26 94 96 98 100
27 94 96 98 100
28 95 97 98 100
29 95 97 98 100
30 96 97 99 100
31 96 97 99 100
32 96 97 99 100
33 96 97 99 100
34 96 97 99 100
35 96 97 99 100
36 95 97 98 100
37 95 96 98 100
38 95 96 98 100
39 94 96 98 100
40 93 96 98 100
41 94 96 98 100
42 95 97 98 100
43 96 97 99 100
44 98 98 99 100
45 98 99 99 100
46 98 98 99 100
47 96 98 99 100
48 95 97 98 100
49 95 96 98 100
50 94 96 98 100
51 94 96 98 100
52 94 96 100 100
53 93 100 100 100
54 100 100 100 100
55 100 100 100 100
56 100 100 100 100
57 100 100 100 100
58 100 100 100 100
59 100 100 100 100
60 100 100 100 100
61 100 100 100 100
62 100 100 100 100
63 100 100 100 100
64 100 100 100 100
65 100 100 100 100
66 100 100 100 100
67 100 100 100 100
68 100 100 100 100
69 100 100 100 100
70 100 100 100 100
71 100 100 100 100
72 100 100 100 100
73 100 100 100 100
74 100 100 100 100
75 100 100 100 100
76 100 100 100 100
77 100 100 100 100
78 100 100 100 100
79 100 100 100 100
80 100 100 100 100
81 100 100 100 100
82 100 100 100 100
83 100 100 100 100
84 100 100 100 100
85+ 100 100 100 100

Statutory Authority:

MS s 45.023; 61A.25

History:

24 SR 800

Published Electronically:

September 14, 2007

2747.0065 2001 CSO MORTALITY TABLE.

The 2001 CSO Mortality Table, as defined in part 2748.0010, subpart 2, shall be used for purposes of parts 2747.0010 to 2747.0060 pursuant to the requirements of parts 2748.0010 to 2748.0050.

Statutory Authority:

MS s 45.023; 61A.24; 61A.25

History:

28 SR 1039

Published Electronically:

September 14, 2007

Official Publication of the State of Minnesota
Revisor of Statutes