New York Codes, Rules and Regulations
Title 11 - INSURANCE
Appendices
Appendix 20

Universal Citation: 11 NY Comp Codes Rules and Regs § 20

Current through Register Vol. 46, No. 12, March 20, 2024

(cf. Part 47)

The rates of mortality in Tables 1 and 7 of this Appendix are the same as those in subdivisions (b), (c), (e) and (f) of section 47.1 of this Title. The 1980 CSO rates of mortality in Tables 2-6 of this Appendix have been developed by starting with the stated percentages of males and females living at age 45, then working backwards and forwards for the males and females separately with separate male and female rates of mortality for the appropriate tables in subdivisions (b) and (c) of section 47.1 to determine the numbers of males and females living and dying at each age. Then the numbers of males and females living and dying at each age were combined and new rates of mortality calculated for each age. The blended 1980 CET tables were obtained by loading the respective blended 1980 CSO mortality rates by the formula:

1000qxCET = 1000q xCSO + (greater of 0.75 or 0.30 (1000qxC SO)).

TABLE 1

1980 CSO-A AND 1980 CET-A MORTALITY TABLES BASED ON BLENDING 1980 CSO AND 1980 CET MORTALITY TABLES 100% MALE - 0% FEMALE

RATES OF MORTALITY 1,000 qx AGE NEAREST BIRTHDAY

*Age (x)*	*1980 CSO-A*	*1980 CET-A*
0	4.18	5.43
1	1.07	1.82
2	.99	1.74
3	.98	1.73
4	.95	1.70
5	.90	1.65
6	.86	1.61
7	.80	1.55
8	.76	1.51
9	.74	1.49
10	.73	1.48
11	.77	1.52
12	.85	1.60
13	.99	1.74
14	1.15	1.90
15	1.33	2.08
16	1.51	2.26
17	1.67	2.42
18	1.78	2.53
19	1.86	2.61
20	1.90	2.65
21	1.91	2.66
22	1.89	2.64
23	1.86	2.61
24	1.82	2.57
25	1.77	2.52
26	1.73	2.48
27	1.71	2.46
28	1.70	2.45
29	1.71	2.46
30	1.73	2.48
31	1.78	2.53
32	1.83	2.58
33	1.91	2.66
34	2.00	2.75
35	2.11	2.86
36	2.24	2.99
37	2.40	3.15
38	2.58	3.35
39	2.79	3.63
40	3.02	3.93
41	3.29	4.28
42	3.56	4.63
43	3.87	5.03
44	4.19	5.45
45	4.55	5.92
46	4.92	6.40
47	5.32	6.92
48	5.74	7.46
49	6.21	8.07
50	6.71	8.72
51	7.30	9.49
52	7.96	10.35
53	8.71	11.32
54	9.56	12.43
55	10.47	13.61
56	11.46	14.90
57	12.49	16.24
58	13.59	17.67
59	14.77	19.20
60	16.08	20.90
61	17.54	22.80
62	19.19	24.95
63	21.06	27.38
64	23.14	30.08
65	25.42	33.05
66	27.85	36.21
67	30.44	39.57
68	33.19	43.15
69	36.17	47.02
70	39.51	51.36
71	43.30	56.29
72	47.65	61.95
73	52.64	68.43
74	58.19	75.65
75	64.19	83.45
76	70.53	91.69
77	77.12	100.26
78	83.90	109.07
79	91.05	118.37
80	98.84	128.49
81	107.48	139.72
82	117.25	152.43
83	128.26	166.74
84	140.25	182.33
85	152.95	198.84
86	166.09	215.92
87	179.55	233.42
88	193.27	251.25
89	207.29	269.48
90	221.77	288.30
91	236.98	308.07
92	253.45	329.49
93	272.11	353.74
94	295.90	384.67
95	329.96	428.95
96	384.55	499.92
97	480.20	624.26
98	657.98	855.37
99	1000.00	1000.00

TABLE 2

1980 CSO-A AND 1980 CET-A MORTALITY TABLES BASED ON BLENDING 1980 CSO AND 1980 CET MORTALITY TABLES 80% MALE - 20% FEMALE

RATES OF MORTALITY 1,000 qx AGE NEAREST BIRTHDAY

*Age (x)*	*1980 CSO-A*	*1980 CET-A*
0	3.92	5.10
1	1.04	1.79
2	.95	1.70
3	.94	1.69
4	.91	1.66
5	.87	1.62
6	.83	1.58
7	.79	1.54
8	.75	1.50
9	.73	1.48
10	.72	1.47
11	.75	1.50
12	.83	1.58
13	.94	1.69
14	1.08	1.83
15	1.24	1.99
16	1.39	2.14
17	1.53	2.28
18	1.62	2.37
19	1.69	2.44
20	1.74	2.49
21	1.75	2.50
22	1.73	2.48
23	1.71	2.46
24	1.69	2.44
25	1.65	2.40
26	1.63	2.38
27	1.61	2.36
28	1.61	2.36
29	1.63	2.38
30	1.65	2.40
31	1.70	2.45
32	1.75	2.50
33	1.83	2.58
34	1.91	2.66
35	2.02	2.77
36	2.14	2.89
37	2.30	3.05
38	2.47	3.22
39	2.68	3.48
40	2.90	3.77
41	3.16	4.11
42	3.42	4.45
43	3.72	4.84
44	4.01	5.21
45	4.35	5.66
46	4.70	6.11
47	5.07	6.59
48	5.45	7.09
49	5.89	7.66
50	6.36	8.27
51	6.90	8.97
52	7.50	9.75
53	8.19	10.65
54	8.96	11.65
55	9.78	12.71
56	10.67	13.87
57	11.58	15.05
58	12.54	16.30
59	13.57	17.64
60	14.72	19.14
61	16.00	20.80
62	17.47	22.71
63	19.16	24.91
64	21.05	27.37
65	23.11	30.04
66	25.29	32.88
67	27.61	35.89
68	30.03	39.04
69	32.66	42.46
70	35.59	46.27
71	38.95	50.64
72	42.84	55.69
73	47.33	61.53
74	52.37	68.08
75	57.84	75.19
76	63.65	82.75
77	69.70	90.61
78	75.95	98.74
79	82.57	107.34
80	89.83	116.78
81	97.94	127.32
82	107.18	139.33
83	117.65	152.95
84	129.10	167.83
85	141.38	183.79
86	154.17	200.42
87	167.49	217.74
88	181.24	235.61
89	195.54	254.20
90	210.53	273.69
91	226.51	294.46
92	244.13	317.37
93	264.04	343.25
94	289.36	376.17
95	324.89	422.36
96	380.97	495.26
97	477.69	621.00
98	657.38	854.59
99	1000.00	1000.00

TABLE 3

1980 CSO-A AND 1980 CET-A MORTALITY TABLES BASED ON BLENDING 1980 CSO AND 1980 CET MORTALITY TABLES 60% MALE - 40% FEMALE (PIVOTAL AGE 45)

RATES OF MORTALITY 1,000 qx AGE NEAREST BIRTHDAY

*Age (x)*	*1980 CSO-A*	*1980 CET-A*
0	3.67	4.77
1	.99	1.74
2	.93	1.68
3	.90	1.65
4	.88	1.63
5	.84	1.59
6	.81	1.56
7	.77	1.52
8	.73	1.48
9	.73	1.48
10	.71	1.46
11	.74	1.49
12	.80	1.55
13	.89	1.64
14	1.01	1.76
15	1.14	1.89
16	1.27	2.02
17	1.38	2.13
18	1.47	2.22
19	1.52	2.27
20	1.56	2.31
21	1.58	2.33
22	1.58	2.33
23	1.56	2.31
24	1.55	2.30
25	1.53	2.28
26	1.52	2.27
27	1.51	2.26
28	1.53	2.28
29	1.54	2.29
30	1.58	2.33
31	1.63	2.38
32	1.67	2.42
33	1.75	2.50
34	1.83	2.58
35	1.93	2.68
36	2.04	2.79
37	2.20	2.95
38	2.36	3.11
39	2.56	3.33
40	2.78	3.61
41	3.03	3.94
42	3.29	4.28
43	3.56	4.63
44	3.84	4.99
45	4.15	5.40
46	4.47	5.81
47	4.81	6.25
48	5.17	6.72
49	5.58	7.25
50	6.01	7.81
51	6.50	8.45
52	7.05	9.17
53	7.68	9.98
54	8.37	10.88
55	9.11	11.84
56	9.88	12.84
57	10.68	13.88
58	11.50	14.95
59	12.39	16.11
60	13.37	17.38
61	14.48	18.82
62	15.79	20.53
63	17.30	22.49
64	19.01	24.71
65	20.88	27.14
66	22.84	29.69
67	24.90	32.37
68	27.04	35.15
69	29.32	38.12
70	31.92	41.50
71	34.90	45.37
72	38.38	49.89
73	42.48	55.22
74	47.11	61.24
75	52.16	67.81
76	57.58	74.85
77	63.24	82.21
78	69.13	89.87
79	75.41	98.03
80	82.34	107.04
81	90.17	117.22
82	99.12	128.86
83	109.33	142.13
84	120.58	156.75
85	132.68	172.48
86	145.47	189.11
87	158.84	206.49
88	172.87	224.73
89	187.54	243.80
90	203.08	264.00
91	219.76	285.69
92	238.20	309.66
93	259.26	337.04
94	285.17	370.72
95	322.03	418.64
96	378.56	492.13
97	476.70	619.71
98	657.10	854.23
99	1000.00	1000.00

TABLE 4

1980 CSO-A AND 1980 CET-A MORTALITY TABLES BASED ON BLENDING 1980 CSO AND 1980 CET MORTALITY TABLES 50% MALE - 50% FEMALE (PIVOTAL AGE 45)

RATES OF MORTALITY 1,000 qx AGE NEAREST BIRTHDAY

*Age (x)*	*1980 CSO-A*	*1980 CET-A*
0	3.54	4.60
1	.97	1.72
2	.91	1.66
3	.89	1.64
4	.85	1.60
5	.83	1.58
6	.79	1.54
7	.77	1.52
8	.73	1.48
9	.72	1.47
10	.71	1.46
11	.72	1.47
12	.78	1.53
13	.87	1.62
14	.97	1.72
15	1.10	1.85
16	1.21	1.96
17	1.31	2.06
18	1.39	2.14
19	1.44	2.19
20	1.48	2.23
21	1.49	2.24
22	1.50	2.25
23	1.49	2.24
24	1.49	2.24
25	1.47	2.22
26	1.47	2.22
27	1.46	2.21
28	1.48	2.23
29	1.51	2.26
30	1.54	2.29
31	1.58	2.33
32	1.64	2.39
33	1.70	2.45
34	1.79	2.54
35	1.88	2.63
36	2.00	2.75
37	2.14	2.89
38	2.31	3.06
39	2.51	3.26
40	2.72	3.54
41	2.97	3.86
42	3.22	4.19
43	3.49	4.54
44	3.75	4.88
45	4.06	5.28
46	4.36	5.67
47	4.68	6.08
48	5.03	6.54
49	5.41	7.03
50	5.83	7.58
51	6.30	8.19
52	6.82	8.87
53	7.45	9.65
54	8.07	10.49
55	8.77	11.40
56	9.50	12.35
57	10.23	13.30
58	10.99	14.29
59	11.81	15.35
60	12.71	16.52
61	13.75	17.88
62	14.96	19.45
63	16.39	21.31
64	18.02	23.43
65	19.78	25.71
66	21.64	28.13
67	23.59	30.67
68	25.58	33.25
69	27.73	36.05
70	30.16	39.21
71	32.96	42.85
72	36.29	47.18
73	40.20	52.26
74	44.66	58.06
75	49.55	64.42
76	54.80	71.24
77	60.31	78.40
78	66.06	85.88
79	72.23	93.90
80	79.07	102.79
81	86.80	112.84
82	95.68	124.38
83	105.81	137.55
84	117.0	152.13
85	129.11	167.84
86	141.91	184.48
87	155.41	202.03
88	169.55	220.42
89	184.4	239.79
90	200.23	260.30
91	217.23	282.40
92	235.91	306.68
93	257.43	334.66
94	283.81	368.95
95	320.74	416.96
96	377.93	491.31
97	476.61	619.59
98	656.44	853.37
99	1000.00	1000.00

TABLE 5

1980 CSO-A AND 1980 CET-A MORTALITY TABLES BASED ON BLENDING 1980 CSO AND 1980 CET MORTALITY TABLES 40% MALE - 60% FEMALE (PIVOTAL AGE 45)

RATES OF MORTALITY 1,000 qx AGE NEAREST BIRTHDAY

*Age (x)*	*1980 CSO-A*	*1980 CET-A*
0	3.41	4.43
1	.95	1.70
2	.89	1.64
3	.86	1.61
4	.84	1.59
5	.81	1.56
6	.78	1.53
7	.76	1.51
8	.72	1.47
9	.71	1.46
10	.70	1.45
11	.71	1.46
12	.77	1.52
13	.84	1.59
14	.94	1.69
15	1.05	1.80
16	1.15	1.90
17	1.24	1.99
18	1.31	2.06
19	1.36	2.11
20	1.39	2.14
21	1.41	2.16
22	1.42	2.17
23	1.42	2.17
24	1.42	2.17
25	1.40	2.15
26	1.41	2.16
27	1.42	2.17
28	1.44	2.19
29	1.46	2.21
30	1.50	2.25
31	1.55	2.30
32	1.60	2.35
33	1.66	2.41
34	1.75	2.50
35	1.83	2.58
36	1.95	2.70
37	2.09	2.84
38	2.25	3.00
39	2.45	3.20
40	2.66	3.46
41	2.90	3.77
42	3.15	4.10
43	3.41	4.43
44	3.66	4.76
45	3.96	5.15
46	4.24	5.51
47	4.55	5.92
48	4.89	6.36
49	5.26	6.84
50	5.66	7.36
51	6.10	7.93
52	6.60	8.58
53	7.16	9.31
54	7.77	10.10
55	8.43	10.96
56	9.11	11.84
57	9.79	12.73
58	10.48	13.62
59	11.23	14.60
60	12.05	15.67
61	13.01	16.91
62	14.14	18.38
63	15.50	20.15
64	17.03	22.14
65	18.71	24.32
66	20.46	26.60
67	22.31	29.00
68	24.17	31.42
69	26.18	34.03
70	28.45	36.99
71	31.10	40.43
72	34.27	44.55
73	38.02	49.43
74	42.32	55.02
75	47.05	61.17
76	52.18	67.83
77	57.57	74.84
78	63.21	82.17
79	69.29	90.08
80	76.04	98.85
81	83.72	108.84
82	92.52	120.28
83	102.65	133.45
84	113.82	147.97
85	125.93	163.71
86	138.78	180.41
87	152.39	198.11
88	166.68	216.68
89	181.76	236.29
90	197.78	257.11
91	215.12	279.66
92	234.03	304.24
93	255.85	332.61
94	282.58	367.35
95	319.76	415.69
96	377.41	490.63
97	476.21	619.07
98	656.10	852.93
99	1000.00	1000.00

TABLE 6

1980 CSO-A AND 1980 CET-A MORTALITY TABLES BASED ON BLENDING 1980 CSO AND 1980 CET MORTALITY TABLES 20% MALE - 80% FEMALE (PIVOTAL AGE 45)

RATES OF MORTALITY 1,000 qx AGE NEAREST BIRTHDAY

*Age (x)*	*1980 CSO-A*	*1980 CET-A*
0	3.15	4.10
1	.92	1.67
2	.85	1.60
3	.82	1.57
4	.81	1.56
5	.79	1.54
6	.76	1.51
7	.74	1.49
8	.71	1.46
9	.70	1.45
10	.70	1.45
11	.70	1.45
12	.74	1.49
13	.80	1.55
14	.86	1.61
15	.95	1.70
16	1.03	1.78
17	1.09	1.84
18	1.15	1.90
19	1.19	1.94
20	1.22	1.97
21	1.24	1.99
22	1.25	2.00
23	1.27	2.02
24	1.28	2.03
25	1.29	2.04
26	1.30	2.05
27	1.31	2.06
28	1.35	2.10
29	1.38	2.13
30	1.42	2.17
31	1.47	2.22
32	1.52	2.27
33	1.58	2.33
34	1.66	2.41
35	1.74	2.49
36	1.85	2.60
37	1.99	2.74
38	2.15	2.90
39	2.32	3.07
40	2.54	3.30
41	2.77	3.60
42	3.02	3.93
43	3.25	4.23
44	3.49	4.54
45	3.75	4.88
46	4.02	5.23
47	4.30	5.59
48	4.61	5.99
49	4.94	6.42
50	5.31	6.90
51	5.70	7.41
52	6.15	8.00
53	6.65	8.65
54	7.19	9.35
55	7.76	10.09
56	8.34	10.84
57	8.91	11.58
58	9.47	12.31
59	10.08	13.10
60	10.75	13.98
61	11.55	15.02
62	12.54	16.30
63	13.74	17.86
64	15.10	19.63
65	16.62	21.61
66	18.19	23.65
67	19.81	25.75
68	21.45	27.89
69	23.19	30.15
70	25.19	32.75
71	27.57	35.84
72	30.43	39.56
73	33.92	44.10
74	37.94	49.32
75	42.43	55.16
76	47.33	61.53
77	52.53	68.29
78	58.03	75.44
79	63.98	83.17
80	70.65	91.85
81	78.26	101.74
82	87.04	113.15
83	97.15	126.30
84	108.33	140.83
85	120.52	156.68
86	133.53	173.59
87	147.37	191.58
88	161.93	210.51
89	177.40	230.62
90	193.80	251.94
91	211.61	275.09
92	231.05	300.37
93	253.44	329.47
94	280.66	364.86
95	318.37	413.88
96	376.21	489.07
97	475.72	618.44
98	656.09	852.92
99	1000.00	1000.00

TABLE 7

1980 CSO-A AND 1980 CET-A MORTALITY TABLES BASED ON BLENDING 1980 CSO AND 1980 CET MORTALITY TABLES 0% MALE - 100% FEMALE

RATES OF MORTALITY 1,000 qx AGE NEAREST BIRTHDAY

*Age (x)*	*1980 CSO-A*	*1980 CET-A*
0	2.89	3.76
1	.87	1.62
2	.81	1.56
3	.79	1.54
4	.77	1.52
5	.76	1.51
6	.73	1.48
7	.72	1.47
8	.70	1.45
9	.69	1.44
10	.68	1.43
11	.69	1.44
12	.72	1.47
13	.75	1.50
14	.80	1.55
15	.85	1.60
16	.90	1.65
17	.95	1.70
18	.98	1.73
19	1.02	1.77
20	1.05	1.80
21	1.07	1.82
22	1.09	1.84
23	1.11	1.86
24	1.14	1.89
25	1.16	1.91
26	1.19	1.94
27	1.22	1.97
28	1.26	2.01
29	1.30	2.05
30	1.35	2.10
31	1.40	2.15
32	1.45	2.20
33	1.50	2.25
34	1.58	2.33
35	1.65	2.40
36	1.76	2.51
37	1.89	2.64
38	2.04	2.79
39	2.22	2.97
40	2.42	3.17
41	2.64	3.43
42	2.87	3.73
43	3.09	4.02
44	3.32	4.32
45	3.56	4.63
46	3.80	4.94
47	4.05	5.27
48	4.33	5.63
49	4.63	6.02
50	4.96	6.45
51	5.31	6.90
52	5.70	7.41
53	6.15	8.00
54	6.61	8.59
55	7.09	9.22
56	7.57	9.84
57	8.03	10.44
58	8.47	11.01
59	8.94	11.62
60	9.47	12.31
61	10.13	13.17
62	10.96	14.25
63	12.02	15.63
64	13.25	17.23
65	14.59	18.97
66	16.00	20.80
67	17.43	22.66
68	18.84	24.49
69	20.36	26.47
70	22.11	28.74
71	24.23	31.50
72	26.87	34.93
73	30.11	39.14
74	33.93	44.11
75	38.24	49.71
76	42.97	55.86
77	48.04	62.45
78	53.45	69.49
79	59.35	77.16
80	65.99	85.79
81	73.60	95.68
82	82.40	107.12
83	92.53	120.29
84	103.81	134.95
85	116.10	150.93
86	129.29	168.08
87	143.32	186.32
88	158.18	205.63
89	173.94	226.12
90	190.75	247.98
91	208.87	271.53
92	228.81	297.45
93	251.51	326.96
94	279.31	363.10
95	317.32	412.52
96	375.74	488.46
97	474.97	617.46
98	655.85	852.61
99	1000.00	1000.00

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New York Codes, Rules and RegulationsTitle 11 - INSURANCEAppendicesAppendix 20

New York Codes, Rules and Regulations
Title 11 - INSURANCE
Appendices
Appendix 20