Illinois Administrative Code
Title 50 - INSURANCE
Part 1409 - VALUATION OF LIFE INSURANCE POLICIES INCLUDING THE USE OF SELECT MORTALITY FACTORS
ILLUSTRATION F - Female, Smoker
Issue |
Duration |
|||||||||||||||||||
Age |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
13 |
14 |
15 |
16 |
17 |
18 |
19 |
20+ |
0-15 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
16 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
17 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
18 |
99 |
100 |
100 |
100 |
100 |
100 |
100 |
95 |
96 |
97 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
19 |
87 |
89 |
92 |
92 |
92 |
92 |
84 |
84 |
86 |
86 |
92 |
93 |
95 |
96 |
99 |
99 |
99 |
100 |
100 |
100 |
20 |
74 |
77 |
80 |
80 |
80 |
73 |
73 |
73 |
75 |
77 |
83 |
83 |
86 |
88 |
90 |
92 |
94 |
96 |
98 |
100 |
21 |
71 |
74 |
78 |
78 |
71 |
71 |
73 |
74 |
77 |
79 |
85 |
86 |
88 |
89 |
90 |
92 |
94 |
96 |
98 |
100 |
22 |
68 |
71 |
75 |
70 |
71 |
71 |
73 |
74 |
78 |
79 |
88 |
90 |
89 |
89 |
92 |
94 |
95 |
97 |
98 |
100 |
23 |
65 |
69 |
67 |
70 |
70 |
70 |
73 |
77 |
79 |
81 |
89 |
90 |
90 |
92 |
92 |
94 |
95 |
97 |
98 |
100 |
24 |
62 |
60 |
64 |
69 |
70 |
70 |
74 |
77 |
79 |
81 |
92 |
90 |
92 |
93 |
93 |
94 |
96 |
97 |
99 |
100 |
25 |
53 |
58 |
63 |
67 |
69 |
70 |
74 |
78 |
81 |
82 |
92 |
93 |
93 |
95 |
95 |
96 |
97 |
98 |
99 |
100 |
26 |
53 |
58 |
63 |
69 |
71 |
72 |
75 |
79 |
82 |
82 |
93 |
93 |
95 |
96 |
90 |
92 |
94 |
96 |
98 |
100 |
27 |
52 |
56 |
63 |
70 |
74 |
74 |
78 |
81 |
82 |
84 |
93 |
95 |
95 |
90 |
90 |
92 |
94 |
96 |
98 |
100 |
28 |
52 |
56 |
64 |
71 |
75 |
77 |
79 |
82 |
85 |
86 |
95 |
95 |
90 |
92 |
92 |
94 |
95 |
97 |
98 |
100 |
29 |
51 |
56 |
64 |
71 |
78 |
78 |
81 |
84 |
86 |
88 |
95 |
90 |
90 |
92 |
92 |
94 |
95 |
97 |
98 |
100 |
30 |
51 |
56 |
64 |
72 |
79 |
79 |
82 |
85 |
88 |
89 |
90 |
90 |
92 |
93 |
93 |
94 |
96 |
97 |
99 |
100 |
31 |
51 |
56 |
64 |
72 |
78 |
81 |
84 |
84 |
88 |
84 |
90 |
90 |
92 |
93 |
93 |
94 |
96 |
97 |
99 |
100 |
32 |
51 |
56 |
64 |
71 |
78 |
81 |
85 |
86 |
84 |
85 |
90 |
90 |
92 |
94 |
93 |
94 |
96 |
97 |
99 |
100 |
33 |
51 |
57 |
62 |
71 |
78 |
82 |
85 |
83 |
84 |
85 |
90 |
92 |
93 |
93 |
93 |
94 |
96 |
97 |
99 |
100 |
34 |
51 |
56 |
62 |
71 |
78 |
82 |
81 |
83 |
85 |
86 |
90 |
92 |
92 |
94 |
93 |
94 |
96 |
97 |
99 |
100 |
35 |
51 |
56 |
62 |
71 |
78 |
79 |
73 |
84 |
85 |
86 |
90 |
91 |
91 |
93 |
93 |
94 |
96 |
97 |
99 |
100 |
36 |
49 |
56 |
62 |
71 |
74 |
79 |
73 |
84 |
85 |
86 |
90 |
90 |
91 |
93 |
92 |
94 |
95 |
97 |
98 |
100 |
37 |
48 |
55 |
62 |
67 |
74 |
79 |
73 |
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 |
41 |
40 |
50 |
57 |
65 |
71 |
76 |
79 |
81 |
83 |
84 |
85 |
86 |
85 |
89 |
90 |
92 |
94 |
96 |
98 |
100 |
42 |
40 |
49 |
57 |
65 |
69 |
74 |
77 |
80 |
82 |
83 |
84 |
85 |
86 |
90 |
92 |
94 |
95 |
97 |
98 |
100 |
43 |
39 |
49 |
55 |
63 |
69 |
73 |
76 |
78 |
80 |
82 |
83 |
84 |
85 |
92 |
93 |
94 |
96 |
97 |
99 |
100 |
44 |
39 |
48 |
55 |
62 |
67 |
71 |
75 |
78 |
80 |
80 |
82 |
84 |
86 |
93 |
96 |
97 |
98 |
98 |
99 |
100 |
45 |
37 |
47 |
55 |
61 |
65 |
70 |
73 |
76 |
78 |
80 |
81 |
84 |
86 |
94 |
97 |
98 |
98 |
99 |
99 |
100 |
46 |
36 |
46 |
53 |
59 |
63 |
68 |
71 |
75 |
77 |
79 |
83 |
85 |
86 |
93 |
96 |
97 |
98 |
98 |
99 |
100 |
47 |
34 |
44 |
51 |
57 |
62 |
66 |
70 |
75 |
77 |
80 |
83 |
85 |
86 |
93 |
94 |
95 |
96 |
98 |
99 |
100 |
48 |
34 |
44 |
50 |
54 |
60 |
64 |
69 |
74 |
77 |
80 |
84 |
86 |
87 |
92 |
92 |
94 |
95 |
97 |
98 |
100 |
49 |
33 |
42 |
48 |
53 |
58 |
63 |
68 |
74 |
77 |
81 |
84 |
86 |
87 |
92 |
91 |
93 |
95 |
96 |
98 |
100 |
50 |
31 |
41 |
46 |
51 |
57 |
61 |
67 |
74 |
77 |
81 |
85 |
87 |
87 |
91 |
90 |
92 |
94 |
96 |
98 |
100 |
51 |
30 |
39 |
45 |
51 |
56 |
61 |
67 |
74 |
75 |
80 |
83 |
85 |
85 |
90 |
90 |
92 |
94 |
96 |
98 |
100 |
52 |
29 |
38 |
45 |
50 |
56 |
62 |
68 |
74 |
75 |
79 |
81 |
83 |
84 |
90 |
90 |
92 |
94 |
96 |
100 |
100 |
53 |
28 |
37 |
43 |
49 |
57 |
62 |
68 |
73 |
74 |
77 |
79 |
81 |
83 |
89 |
89 |
91 |
93 |
100 |
100 |
100 |
54 |
28 |
36 |
43 |
49 |
57 |
63 |
69 |
73 |
74 |
75 |
78 |
80 |
81 |
87 |
89 |
91 |
100 |
100 |
100 |
100 |
55 |
26 |
35 |
42 |
49 |
57 |
63 |
69 |
73 |
73 |
74 |
76 |
78 |
79 |
86 |
87 |
100 |
100 |
100 |
100 |
100 |
56 |
26 |
35 |
42 |
49 |
56 |
62 |
67 |
71 |
72 |
74 |
76 |
78 |
79 |
85 |
100 |
100 |
100 |
100 |
100 |
100 |
57 |
26 |
35 |
42 |
49 |
55 |
61 |
66 |
69 |
72 |
73 |
76 |
78 |
79 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
58 |
28 |
36 |
43 |
49 |
55 |
59 |
63 |
68 |
69 |
72 |
76 |
78 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
59 |
28 |
36 |
43 |
49 |
54 |
57 |
63 |
67 |
68 |
70 |
76 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
60 |
28 |
36 |
43 |
49 |
53 |
57 |
61 |
64 |
67 |
69 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
61 |
26 |
35 |
42 |
48 |
52 |
56 |
59 |
63 |
66 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
62 |
26 |
33 |
41 |
47 |
51 |
55 |
58 |
62 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
63 |
25 |
33 |
41 |
46 |
51 |
55 |
57 |
80 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
64 |
25 |
33 |
40 |
45 |
50 |
53 |
80 |
80 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
65 |
24 |
32 |
39 |
44 |
49 |
72 |
75 |
75 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
66 |
24 |
32 |
39 |
44 |
72 |
72 |
75 |
75 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
67 |
24 |
32 |
39 |
72 |
72 |
72 |
75 |
75 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
68 |
24 |
32 |
68 |
72 |
72 |
72 |
75 |
75 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
69 |
24 |
64 |
68 |
72 |
72 |
72 |
75 |
75 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
70 |
60 |
60 |
64 |
68 |
68 |
72 |
75 |
75 |
80 |
80 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
100 |
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 |