California Code of Regulations
Title 10 - Investment
Chapter 5 - Insurance Commissioner
Subchapter 3 - Insurers
Article 12.3 - Valuation of Life Insurance Policies
Table - Select Mortality Factors

Universal Citation: 10 CA Code of Regs
Current through Register 2024 Notice Reg. No. 38, September 20, 2024

Male, Aggregate

Issue

Duration

Age1234567891011121314151617181920+
0-15100100100100100100100100100100100100100100100100100100100100
16100100100100100100100100100100100100100100100100100100100100
17100100100100100100100100100100100100100100100100100100100100
189698989999100100909292929293939697989899100
1983848487878779797981818282828588919497100
206971717474696967697071717171747984)9095100
2166686971666667666770707070717177838894100
2265666663636464646568686868697177838894100
2362635960626263636465656767697076828894100
2460565659596061616164646466677076828894100
2552535556585860606063626364676975818894100
2651525556585857616162636466696673808693100
2751525557586061616063636467666774808793100
2849515658606061626263646665666874818794100
2949515658606162626264646266677076828894100
3049505658606062636364626367687177838894100
3147505658606263646462636668707278838994100
3246495659606263666263666770727378848995100
3343495659626364626566677072737580859095100
3442475660626361636667707173757681869095100
3540475660636162656768717374767681869095100
3638425660596163656768707274767782869195100
3738455657616263656768707274767681869095100
3837445358616265666769697375767782869195100
3937415358626365656668697274767681869095100
4034405358626365656668687175767782869195100
4134415358626365646466687074767782869195100
4234435358616263636364666972757782869195100
4334435459606163626264666772747782869195100
4434445458596061606162646771747782869195100
4534455358596060605960636671747782869195100
4631435256575859595960636771747580859095100
4732425053555657585960656871747580859095100
4832414752545657575761656872737479849095100
4930404649525455565761666972737479849095100
5030384447515354565761667172737580859095100
5128374246495354565761667172737580859095100
52283541454951545657616671727475808590100100
532735394448515355576167717475768186100100100
5427333844485053555761677274757681100100100100
55253237434750535557616872747578100100100100100
562532374347495154566167707374100100100100100100
5724313843474951545659666972100100100100100100100
58243138434848505356596467100100100100100100100100
592330394348485153555863100100100100100100100100100
6023303943484750525357100100100100100100100100100100
6123303943494950525375100100100100100100100100100100
6223303944494951527575100100100100100100100100100100
6322303945505052757575100100100100100100100100100100
6422303945505175757575100100100100100100100100100100
6522303945506570707070100100100100100100100100100100
6622303945606570707070100100100100100100100100100100
6722303960606570707070100100100100100100100100100100
6823325560606570707070100100100100100100100100100100
6923525560606570707070100100100100100100100100100100
7048525560606570707070100100100100100100100100100100
7148525560606570707070100100100100100100100100100100
7248525560606570707070100100100100100100100100100100
7348525560606570707070100100100100100100100100100100
7448525560606570707070100100100100100100100100100100
7548525560606570707070100100100100100100100100100100
76485255606065707070100100100100100100100100100100100
774852556060657070100100100100100100100100100100100100
7848525560606570100100100100100100100100100100100100100
79485255606065100100100100100100100100100100100100100100
804852556060100100100100100100100100100100100100100100100
8148525560100100100100100100100100100100100100100100100100
82485255100100100100100100100100100100100100100100100100100
834852100100100100100100100100100100100100100100100100100100
8448100100100100100100100100100100100100100100100100100100100
85+100100100100100100100100100100100100100100100100100100100100

SELECT MORTALITY FACTORS

Male, Non-Smoker

Issue

Duration

Age1234567891011121314151617181920+
0-15100100100100100100100100100100100100100100100100100100100100
16100100100100100100100100100100100100100100100100100100100100
17100100100100100100100100100100100100100100100100100100100100
189395969899100100909292929295959697989899100
1980818386878779797981818283838689929497100
2065686972746969676970717172727580859095100
2163666871666667666770707071717378848995100
2262656662636464646768686870707378848995100
2360625860626263636467686867697177838894100
2459555658596061616365676666697177838894100
2552535556585860606164646464677076828894100
2651535556586061616163646466696774808793100
2751525558606061616263646667666774808793100
2849525758606163626264666663666874818794100
2949515760616162626364666365676874818794100
3049515760616263636364626366687076828894100
3147505760606263646462636567707177838894100
3246505760626364646263656668717278838994100
3345495660626364626365666871737479849095100
3443485662636462626566677072747479849095100
3541475662636162636667687072747580859095100
3640475662596162636667687072747580859095100
3738455658596162636667676971737479849095100
3838455358616263656567687072747378848995100
3937415358616263646567687071737378848995100
4034415358616263646466676971737278838994100
4134415358616162626365656769717177838894100
4234435358606162616163646667697177838894100
4332435358606160606060626466686975818894100
4432445257596060595958606265676975818894100
4532445257596059575757596163666874818794100
4632425054565757565556596163656774808793100
4730404852545555545455596162636673808693100
4830404649515253535455576162636370788593100
4929394348505150515354576161626270778592100
5029374245474849505154576161616169778492100
5127354043454748505153576061616270778592100
52273439424445484950535660606262707785100100
532531374144454749505156596161627077100100100
5425303639434447484951555959616270100100100100
55242935384243454849505658596162100100100100100
562329353842424447485055575859100100100100100100
5723283538424243454749535556100100100100100100100
58222833374141434545475153100100100100100100100100
592226333741414244444650100100100100100100100100100
6020263337414041424245100100100100100100100100100100
6120263337414041424275100100100100100100100100100100
6219253238404041427575100100100100100100100100100100
6319253336404041757575100100100100100100100100100100
6418243236394075757575100100100100100100100100100100
6518243236396570707070100100100100100100100100100100
6618243236606570707070100100100100100100100100100100
6718243260606570707070100100100100100100100100100100
6818245560606570707070100100100100100100100100100100
6918525560606570707070100100100100100100100100100100
7048525560606570707070100100100100100100100100100100
7148525560606570707070100100100100100100100100100100
7248525560606570707070100100100100100100100100100100
7348525560606570707070100100100100100100100100100100
7448525560606570707070100100100100100100100100100100
7548525560606570707070100100100100100100100100100100
76485255606065707070100100100100100100100100100100100
774852556060657070100100100100100100100100100100100100
7848525560606570100100100100100100100100100100100100100
79485255606065100100100100100100100100100100100100100100
804852556060100100100100100100100100100100100100100100100
8148525560100100100100100100100100100100100100100100100100
82485255100100100100100100100100100100100100100100100100100
834852100100100100100100100100100100100100100100100100100100
8448100100100100100100100100100100100100100100100100100100100
85+100100100100100100100100100100100100100100100100100100100100

SELECT MORTALITY FACTORS

Male, Smoker

Issue

Duration

Age1234567891011121314151617181920+
0-15100100100100100100100100100100100100100100100100100100100100
16100100100100100100100100100100100100100100100100100100100100
17100100100100100100100100100100100100100100100100100100100100
18100100100100100100100100100100100100100100100100100100100100
19100100100100100100100100100100100100100100100100100100100100
2098100100100100100100999999100999999100100100100100100
21959899100959696959697979696969697989899100
2292959690909393929395959393929394969799100
2390928588888989899090909089909294959798100
2487818285848688868688888686888991939698100
2577787982818383828385848484858689929497100
2675777982828383828384848484858185899296100
2773757882828383828282828484808185899296100
2871737982818283818182828280808185899296100
2969727881818282818181817780808185899296100
3068717881818182818181767780808185899296100
3165707781798182818176777981818386909397100
3263677778798181817677778083838588919497100
3360657478797981767777798083858588919497100
3457627477797975767779798183858790929597100
3553607377797575767779808284868890939598100
3652597175747575767779798183858790929597100
3749587071747475767778798184868689929497100
3848556670727474757678798183858790929597100
3945506570727274747577798184868689929497100
4041496368717273747476788083858689929497100
4140496368717272727375767881848588919497100
4240496268707171717173757681838588919497100
4339506267696970707071737679838588919497100
4439506066686968696969717479818588919497100
4537506066686868676767697378818588919497100
4637485863656766666667717478818487909497100
4736475561636464646567717579818487909497100
4835465358606263636567727579818386909397100
4934455156585961626367727780818386909397100
5034434953555760616367737880818185899296100
5132424752555760616367737880838487909497100
52324046505456606163677378818485889194100100
533037444954565961656774798385879092100100100
5430364348535559616567748084858991100100100100
55293542475355596165677580848690100100100100100
562835424753555760636874798385100100100100100100
5728354247535457606467747881100100100100100100100
58263343485454565963677378100100100100100100100100
592633434854535759636673100100100100100100100100100
6025334348545356586266100100100100100100100100100100
6125334349555557596375100100100100100100100100100100
6225334350565658617575100100100100100100100100100100
6324334551565659757575100100100100100100100100100100
6424344551575775757575100100100100100100100100100100
6524344552576570707070100100100100100100100100100100
6624354553606570707070100100100100100100100100100100
6725354560606570707070100100100100100100100100100100
6825365560606570707070100100100100100100100100100100
6927525560606570707070100100100100100100100100100100
7048525560606570707070100100100100100100100100100100
7148525560606570707070100100100100100100100100100100
7248525560606570707070100100100100100100100100100100
7348525560606570707070100100100100100100100100100100
7448525560606570707070100100100100100100100100100100
7548525560606570707070100100100100100100100100100100
76485255606065707070100100100100100100100100100100100
774852556060657070100100100100100100100100100100100100
7848525560606570100100100100100100100100100100100100100
79485255606065100100100100100100100100100100100100100100
804852556060100100100100100100100100100100100100100100100
8148525560100100100100100100100100100100100100100100100100
82485255100100100100100100100100100100100100100100100100100
834852100100100100100100100100100100100100100100100100100100
8448100100100100100100100100100100100100100100100100100100100
85+100100100100100100100100100100100100100100100100100100100100

SELECT MORTALITY FACTORS

Female, Aggregate

Issue

Duration

Age1234567891011121314151617181920+
0-15100100100100100100100100100100100100100100100100100100100100
16100100100100100100100100100100100100100100100100100100100100
17991001001001001001001009395969797100100100100100100100
1883838484848486787879828485888890939598100
1965666868686863636466697172747580859095100
2048505151514748484951565758616370788593100
2147485051474748495153576061646471788693100
2244474845474748495354606163646673808693100
2342454445474749515354616464676975818894100
2439404244474750515456646466697076828894100
2534384144474750535657646769717378848995100
2634384145494951565859666970737076828894100
2734384147505154575960697073707177838894100
2834374347535356596263707370727479849095100
2934384349545658606364737072747580859095100
3035384350565659636667707174757681869095100
3135384351565860646765717274757681869095100
3235394551565963666566727275767681869095100
3336394452586264656667727475767681869095100
3436404552586363666768747476767681869095100
3536404553596165676870757475767580859095100
3636404553556265676870747474757580859095100
3736414752576265676869727273757479849095100
3834414452576366686970727172747580859095100
3934404553586366686969707070737479849095100
4032404553586565676869706970737378848995100
4132404553576364676868696969737479849095100
4232404552566163656668696870747580859095100
4331394551555961656566686969747782869195100
4431394550545861636466676871757882879196100
4531384449535659626365676871777983879296100
4629374348515459626365676971777882879196100
4728354146495457616266686971777782869195100
4828354144495257616366687172757782869195100
4926343943475255616367697172757580859095100
5025323841465055616367697272757479849095100
5125323841455055616366686971747479849095100
52233036414551566162656668687373788489100100
532330364147515661626365666872727883100100100
5422293541475357616162626666697076100100100100
55222935414753576161616263646869100100100100100
562229354145515659606162636467100100100100100100
5722293541455054565859616263100100100100100100100
58223036414449535657576162100100100100100100100100
592230364144485153555659100100100100100100100100100
6022303641434750515355100100100100100100100100100100
6122293539424649505280100100100100100100100100100100
6220283339414547498080100100100100100100100100100100
6320283338414446808080100100100100100100100100100100
6419273236404280808080100100100100100100100100100100
6519253035397275758080100100100100100100100100100100
6619253035727275758080100100100100100100100100100100
6719253072727275758080100100100100100100100100100100
6819256872727275758080100100100100100100100100100100
6919646872727275758080100100100100100100100100100100
7060606468687275758080100100100100100100100100100100
7160606468687275758080100100100100100100100100100100
7260606468687275758080100100100100100100100100100100
7360606468687275758080100100100100100100100100100100
7460606468687275758080100100100100100100100100100100
7560606468687275758080100100100100100100100100100100
76606064686872757580100100100100100100100100100100100
776060646868727575100100100100100100100100100100100100
7860606468687275100100100100100100100100100100100100100
79606064686872100100100100100100100100100100100100100100
806060646868100100100100100100100100100100100100100100100
8160606468100100100100100100100100100100100100100100100100
82606064100100100100100100100100100100100100100100100100100
836060100100100100100100100100100100100100100100100100100100
8460100100100100100100100100100100100100100100100100100100100
85+100100100100100100100100100100100100100100100100100100100100

SELECT MORTALITY FACTORS

Female, Non-Smoker

Issue

Duration

Age1234567891011121314151617181920+
0-15100100100100100100100100100100100100100100100100100100100100
16100100100100100100100100100100100100100100100100100100100100
179698989898999999929293959597999999100100100
1878808080808181747575787982838588919497100
1960626363636559596060646767707278838994100
2042444545454242424545505153565866758392100
2141424445414242444747515354515967758492100
2239414441414244454949545657586068768492100
2338413840414244464950565758606270778592100
2436363840414246475051585960626370788593100
2532343740414346495153596062636471788693100
2632343741434547505353606263646270778592100
2732343843464749515355626364626270778592100
2830343943474951535658636361626370788593100
2930354045505152555859646162636370788593100
3031354046515253565960626263656572798693100
3131354046515355586058626263656572798693100
3232354045515356595758626363656471788693100
3332364147525558555859636365656572798693100
3433364147525555575859636564656471788693100
3533364147525357585961636464646471788693100
3633364147495357585961636463646370788593100
3732364144495357585960626261626370788593100
3832373945505457586060616161626169778492100
3930353945505457586059606059606169778492100
4028353945505456575959605959596068768492100
4128353945495255555857585958596068768492100
4227353944495254555657575758606169778492100
4327343944475053535555565756606169778492100
4426343842475052535455555556616270778592100
4526333842454851515253545556616270778592100
4624323740434749515253545556606169778492100
4724303539424547495153545556596068768492100
4823303537404447495053545555595766748391100
4923293335394245485053545555575665748291100
5021273234374144485053545555565564738291100
5121263034374144484951535354555564738291100
52202530333741444748505051515553627281100100
531924293237414347484849495152526271100100100
5418242932374143454747474949515161100100100100
55182328323741434545454646475050100100100100100
561823283236394244444546464649100100100100100100
5718232831353841424444454546100100100100100100100
58172326313536384141424545100100100100100100100100
591723263033353839404144100100100100100100100100100
6017232630323436383940100100100100100100100100100100
6117222529323335363880100100100100100100100100100100
6216222528303234358080100100100100100100100100100100
6316202428303234808080100100100100100100100100100100
6414212427293080808080100100100100100100100100100100
6515192325287275758080100100100100100100100100100100
6615192325727275758080100100100100100100100100100100
6715192272727275758080100100100100100100100100100100
6813186872727275758080100100100100100100100100100100
6913646872727275758080100100100100100100100100100100
7060606468687275758080100100100100100100100100100100
7160606468687275758080100100100100100100100100100100
7260606468687275758080100100100100100100100100100100
7360606468687275758080100100100100100100100100100100
7460606468687275758080100100100100100100100100100100
7560606468687275758080100100100100100100100100100100
76606064686872757580100100100100100100100100100100100
776060646868727575100100100100100100100100100100100100
7860606468687275100100100100100100100100100100100100100
79606064686872100100100100100100100100100100100100100100
806060646868100100100100100100100100100100100100100100100
8160606468100100100100100100100100100100100100100100100100
82606064100100100100100100100100100100100100100100100100100
8360601001001001001001001001001001001100100100100100100100100
8460100100100100100100100100100100100100100100100100100100100
85+100100100100100100100100100100100100100100100100100100100100

SELECT MORTALITY FACTORS

Female, Smoker

Issue

Duration

Age1234567891011121314151617181920+
0-15100100100100100100100100100100100100100100100100100100100100
16100100100100100100100100100100100100100100100100100100100100
17100100100100100100100100100100100100100100100100100100100100
1899100100100100100100959697100100100100100100100100100100
198789929292928484868692939596999999100100100
2074778080807373737577838386889092949698100
2171747878717173747779858688899092949698100
2268717570717173747879889089899294959798100
2365696770707073777981899090929294959798100
2462606469707074777981929092939394969799100
2553586367697074788182929393959596979899100
2653586369717275798282939395969092949698100
2752566370747478818284939595909092949698100
2852566471757779828586959590929294959798100
2951566471787881848688959090929294959798100
3051566472797982858889909092939394969799100
3151566472788184848884909092939394969799100
3251566471788185868485909092949394969799100
3351576271788285838485909293939394969799100
3451566271788281838586909292949394969799100
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