New York Codes, Rules and Regulations
Title 11 - INSURANCE
Appendices
Appendix 21

Universal Citation: 11 NY Comp Codes Rules and Regs § 21

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

(cf. Part 57)

The 1980 CSO and 1980 CET smoker and nonsmoker mortality tables, as shown in the attached Tables 1 through 8, were obtained from the respective basic tables by using an assumed percentage breakdown of smokers and nonsmokers for each age and by using an assumed ratio of smoker mortality to nonsmoker mortality for each age. The resulting smoker and nonsmoker basic mortality rates were then loaded using the loading formulas applicable in the construction of the 1980 tables from the respective basic tables. For more details on the preparation of the smoker and nonsmoker mortality tables, reference may be made to the booklet, dated March 1, 1983, entitled "Report of the Task Force on Smoker/Nonsmoker Mortality," published by the Society of Actuaries.

TABLE 1

1980 CSO FEMALE SMOKER AND NONSMOKER RATES OF MORTALITY Age Nearest Birthday

*Age*	*Smoker*	*Non- smoker*
15	0.94	0.84
16	0.99	0.88
17	1.04	0.92
18	1.09	0.95
19	1.13	0.98
20	1.16	1.01
21	1.18	1.02
22	1.21	1.04
23	1.23	1.05
24	1.27	1.08
25	1.29	1.09
26	1.34	1.12
27	1.38	1.14
28	1.42	1.17
29	1.48	1.20
30	1.55	1.24
31	1.61	1.27
32	1.68	1.31
33	1.75	1.35
34	1.86	1.42
35	1.94	1.47
36	2.09	1.56
37	2.28	1.67
38	2.49	1.79
39	2.73	1.93
40	3.00	2.08
41	3.33	2.26
42	3.64	2.44
43	3.96	2.62
44	4.28	2.80
45	4.61	2.99
46	4.95	3.19
47	5.31	3.41
48	5.68	3.65
49	6.08	3.90
50	6.54	4.19
51	7.00	4.50
52	7.52	4.85
53	8.13	5.26
54	8.75	5.68
55	9.40	6.13
56	10.05	6.59
57	10.67	7.05
58	11.25	7.49
59	11.85	7.96
60	12.51	8.51
61	13.36	9.16
62	14.39	9.98
63	15.78	11.01
64	17.33	12.23
65	19.07	13.55
66	20.79	14.97
67	22.58	16.41
68	24.20	17.86
69	26.02	19.41
70	27.95	21.20
71	30.45	23.34
72	33.55	25.99
73	37.33	29.22
74	41.74	33.02
75	46.64	37.32
76	51.92	42.04
77	57.46	47.11
78	63.23	52.53
79	69.41	58.45
80	76.26	65.12
81	84.00	72.76
82	92.84	81.59
83	102.87	91.76
84	114.65	103.03
85	126.42	115.38
86	139.79	128.58
87	152.67	142.71
88	167.23	157.61
89	181.07	173.51
90	197.01	190.39
91	214.00	208.58
92	232.54	228.60
93	253.55	251.40
94	279.31	279.31
95	317.32	317.32
96	375.74	375.74
97	474.97	474.97
98	655.85	655.85
99	1000.00	1000.00

TABLE 2

1980 CSO MALE SMOKER AND NONSMOKER RATES OF MORTALITY Age Nearest Birthday

*Age*	*Smoker*	*Non- smoker*
15	1.65	1.29
16	1.87	1.43
17	2.05	1.54
18	2.16	1.60
19	2.26	1.66
20	2.31	1.68
21	2.33	1.67
22	2.30	1.64
23	2.26	1.61
24	2.21	1.57
25	2.14	1.52
26	2.08	1.48
27	2.06	1.46
28	2.04	1.44
29	2.06	1.44
30	2.10	1.44
31	2.17	1.47
32	2.24	1.50
33	2.35	1.55
34	2.48	1.61
35	2.63	1.69
36	2.81	1.77
37	3.04	1.88
38	3.30	2.00
39	3.60	2.14
40	3.94	2.29
41	4.34	2.47
42	4.75	2.65
43	5.22	2.86
44	5.71	3.07
45	6.27	3.32
46	6.83	3.59
47	7.44	3.88
48	8.08	4.19
49	8.80	4.54
50	9.50	4.91
51	10.44	5.35
52	11.42	5.86
53	12.54	6.43
54	13.80	7.09
55	15.14	7.82
56	16.59	8.63
57	18.09	9.49
58	19.69	10.42
59	21.35	11.47
60	23.19	12.64
61	25.26	13.94
62	27.59	15.42
63	30.23	17.11
64	33.14	19.02
65	36.29	21.13
66	39.57	23.40
67	43.01	25.86
68	46.55	28.50
69	50.32	31.38
70	54.48	34.63
71	59.09	88.91
72	64.33	42.56
73	70.23	47.44
74	76.66	52.92
75	83.77	58.80
76	91.10	65.06
77	98.52	71.64
78	105.91	78.47
79	113.49	85.72
80	121.59	93.67
81	130.41	102.52
82	140.20	112.52
83	151.03	123.79
84	162.49	136.11
85	174.20	149.20
86	185.78	162.80
87	197.06	176.79
88	209.37	190.89
89	221.52	205.29
90	233.69	220.19
91	246.12	235.84
92	259.33	252.75
93	276.30	271.63
94	298.15	295.65
95	329.96	329.96
96	384.55	384.55
97	480.20	480.20
98	657.98	657.98
99	1000.00	1000.00

TABLE 3

1980 CET FEMALE SMOKER AND NONSMOKER RATES OF MORTALITY Age Nearest Birthday

*Age*	*Smoker*	*Non- smoker*
15	1.69	1.59
16	1.74	1.63
17	1.79	1.67
18	1.84	1.70
19	1.88	1.73
20	1.91	1.76
21	1.93	1.77
22	1.96	1.79
23	1.98	1.80
24	2.02	1.83
25	2.04	1.84
26	2.09	1.87
27	2.13	1.89
28	2.17	1.92
29	2.23	1.95
30	2.30	1.99
31	2.36	2.02
32	2.43	2.06
33	2.50	2.10
34	2.61	2.17
35	2.69	2.22
36	2.84	2.31
37	3.03	2.42
38	3.24	2.54
39	3.55	2.68
40	3.90	2.83
41	4.33	3.01
42	4.73	3.19
43	5.15	3.41
44	5.56	3.64
45	5.99	3.89
46	6.44	4.15
47	6.90	4.43
48	7.38	4.75
49	7.90	5.07
50	8.50	5.45
51	9.10	5.85
52	9.78	6.31
53	10.57	6.84
54	11.38	7.38
55	12.22	7.97
56	13.07	8.57
57	13.87	9.17
58	14.63	9.74
59	15.41	10.35
60	16.26	11.06
61	17.37	11.91
62	18.71	12.97
63	20.51	14.31
64	22.53	15.90
65	24.79	17.62
66	27.03	19.46
67	29.35	21.33
68	31.46	23.22
69	33.83	25.23
70	36.34	27.56
71	39.59	30.34
72	43.62	33.79
73	48.53	37.99
74	54.26	42.93
75	60.63	48.52
76	67.50	54.65
77	74.70	61.24
78	82.20	68.29
79	90.23	75.99
80	99.14	84.66
81	109.20	94.59
82	120.69	106.07
83	133.73	119.29
84	149.05	133.94
85	164.35	149.99
86	181.73	167.15
87	198.47	185.52
88	217.40	204.89
89	235.39	225.56
90	256.11	247.51
91	278.20	271.15
92	302.30	297.18
93	329.62	326.82
94	363.10	363.10
95	412.52	412.52
96	488.46	488.46
97	617.46	617.46
98	852.61	852.61
99	1000.00	1000.00

TABLE 4

1980 CET MALE SMOKER AND NONSMOKER RATES OF MORTALITY Age Nearest Birthday

*Age*	*Smoker*	*Non- smoker*
15	2.40	2.04
16	2.62	2.18
17	2.80	2.29
18	2.91	2.35
19	3.01	2.41
20	3.06	2.43
21	3.08	2.42
22	3.05	2.39
23	3.01	2.36
24	2.96	2.32
25	2.89	2.27
26	2.83	2.23
27	2.81	2.21
28	2.79	2.19
29	2.81	2.19
30	2.85	2.19
31	2.92	2.22
32	2.99	2.25
33	3.10	2.30
34	3.23	2.36
35	3.42	2.44
36	3.65	2.52
37	3.95	2.63
38	4.29	2.75
39	4.68	2.89
40	5.12	3.04
41	5.64	3.22
42	6.18	3.45
43	6.79	3.72
44	7.42	3.99
45	8.15	4.32
46	8.88	4.67
47	9.67	5.04
48	10.50	5.45
49	11.44	5.90
50	12.43	6.38
51	13.57	6.96
52	14.85	7.62
53	16.30	8.36
54	17.94	9.22
55	19.68	10.17
56	21.57	11.22
57	23.52	12.34
58	25.60	13.55
59	27.76	14.91
60	30.15	16.43
61	32.84	18.12
62	35.87	20.05
63	39.30	22.24
64	43.08	24.73
65	47.18	27.47
66	51.44	30.42
67	55.91	33.62
68	60.52	37.05
69	65.42	40.79
70	70.82	45.02
71	76.82	49.80
72	83.63	55.33
73	91.30	61.67
74	99.66	68.80
75	108.90	76.44
76	118.43	84.58
77	128.08	93.13
78	137.68	102.01
79	147.54	111.44
80	158.07	121.77
81	169.53	133.28
82	182.26	146.28
83	196.34	160.93
84	211.24	176.94
85	226.46	193.96
86	241.51	211.64
87	256.18	229.83
88	272.18	248.16
89	287.98	266.88
90	303.80	286.25
91	319.96	306.59
92	337.13	328.58
93	359.19	353.12
94	387.60	384.35
95	428.95	428.95
96	499.92	499.92
97	624.26	624.26
98	855.37	855.37
99	1000.00	1000.00

TABLE 5

1980 CSO FEMALE SMOKER AND NONSMOKER RATES OF MORTALITY Age Last Birthday

*Age*	*Smoker*	*Non- smoker*
15	0.96	0.86
16	1.01	0.90
17	1.06	0.93
18	1.11	0.96
19	1.14	0.99
20	1.17	1.01
21	1.19	1.03
22	1.22	1.04
23	1.25	1.06
24	1.28	1.08
25	1.31	1.10
26	1.36	1.13
27	1.40	1.15
28	1.45	1.18
29	1.51	1.22
30	1.58	1.25
31	1.64	1.29
32	1.71	1.33
33	1.80	1.38
34	1.90	1.44
35	2.01	1.51
36	2.18	1.61
37	2.38	1.73
38	2.61	1.86
39	2.86	2.00
40	3.16	2.17
41	3.48	2.35
42	3.80	2.53
43	4.12	2.71
44	4.44	2.89
45	4.78	3.09
46	5.13	3.30
47	5.49	3.53
48	5.88	3.77
49	6.31	4.04
50	6.77	4.34
51	7.26	4.67
52	7.82	5.05
53	8.44	5.47
54	9.07	5.90
55	9.72	6.36
56	10.36	6.82
57	10.96	7.27
58	11.55	7.72
59	12.18	8.23
60	12.93	8.83
61	13.87	9.57
62	15.08	10.49
63	16.55	11.62
64	18.19	12.89
65	19.92	14.26
66	21.68	15.68
67	23.38	17.13
68	25.10	18.63
69	26.97	20.30
70	29.18	22.26
71	31.98	24.65
72	35.41	27.58
73	39.49	31.09
74	44.14	35.13
75	49.22	39.64
76	54.62	44.52
77	60.26	49.75
78	66.22	55.41
79	72.71	61.68
80	79.98	68.81
81	88.23	77.01
82	97.61	86.46
83	108.44	97.12
84	120.18	108.87
85	132.65	121.58
86	145.75	135.16
87	159.35	149.59
88	173.52	164.88
89	188.25	181.15
90	204.58	198.53
91	222.16	217.42
92	241.66	238.53
93	264.56	263.35
94	295.23	295.23
95	341.02	341.02
96	413.88	413.88
97	537.24	537.24
98	743.96	743.96
99	1000.00	1000.00

TABLE 6

1980 CSO MALE SMOKER AND NONSMOKER RATES OF MORTALITY Age Last Birthday

*Age*	*Smoker*	*Non- smoker*
15	1.76	1.36
16	1.96	1.48
17	2.10	1.57
18	2.21	1.63
19	2.28	1.67
20	2.32	1.68
21	2.32	1.66
22	2.28	1.63
23	2.24	1.59
24	2.18	1.55
25	2.11	1.50
26	2.07	1.47
27	2.05	1.45
28	2.05	1.44
29	2.08	1.44
30	2.13	1.45
31	2.20	1.48
32	2.29	1.52
33	2.41	1.58
34	2.55	1.65
35	2.72	1.73
36	2.92	1.82
37	3.17	1.94
38	3.45	2.07
39	3.77	2.21
40	4.14	2.38
41	4.54	2.56
42	4.98	2.75
43	5.46	2.96
44	5.99	3.19
45	6.55	3.45
46	7.13	3.73
47	7.76	4.03
48	8.44	4.36
49	9.18	4.72
50	10.00	5.13
51	10.93	5.60
52	11.98	6.14
53	13.17	6.76
54	14.47	7.45
55	15.86	8.22
56	17.33	9.06
57	18.88	9.95
58	20.51	10.94
59	22.26	12.05
60	24.21	13.29
61	26.41	14.67
62	28.89	16.26
63	31.66	18.06
64	34.69	20.06
65	37.90	22.25
66	41.26	24.62
67	44.74	27.16
68	48.39	29.92
69	52.35	32.98
70	56.72	36.44
71	61.63	40.39
72	67.18	44.95
73	73.33	50.11
74	80.07	55.78
75	87.27	61.84
76	94.63	68.24
77	102.02	74.93
78	109.49	81.95
79	117.30	89.52
80	125.71	97.88
81	134.96	107.25
82	145.21	117.82
83	156.29	129.54
84	167.83	142.18
85	179.44	155.45
86	190.84	169.18
87	202.54	183.16
88	214.73	197.33
89	226.85	211.89
90	239.08	227.05
91	251.80	243.16
92	266.55	260.82
93	285.47	281.75
94	311.27	309.83
95	351.86	351.86
96	420.99	420.99
97	541.00	541.00
98	745.15	745.15
99	1000.00	1000.00

TABLE 7

1980 CET MALE SMOKER AND NONSMOKER RATES OF MORTALITY Age Last Birthday

*Age*	*Smoker*	*Non- smoker*
15	2.51	2.11
16	2.71	2.23
17	2.85	2.32
18	2.96	2.38
19	3.03	2.42
20	3.07	2.43
21	3.07	2.41
22	3.03	2.38
23	2.99	2.34
24	2.93	2.30
25	2.86	2.25
26	2.82	2.22
27	2.80	2.20
28	2.80	2.19
29	2.83	2.19
30	2.88	2.20
31	2.95	2.23
32	3.04	2.27
33	3.16	2.33
34	3.32	2.40
35	3.54	2.48
36	3.80	2.57
37	4.12	2.69
38	4.49	2.82
39	4.90	2.96
40	5.38	3.13
41	5.90	3.33
42	6.47	3.58
43	7.10	3.85
44	7.79	4.15
45	8.52	4.49
46	9.27	4.85
47	10.09	5.24
48	10.97	5.67
49	11.93	6.14
50	13.00	6.67
51	14.21	7.28
52	15.57	7.98
53	17.12	8.79
54	18.81	9.69
55	20.62	10.69
56	22.53	11.78
57	24.54	12.94
58	26.66	14.22
59	28.94	15.67
60	31.47	17.28
61	34.33	19.07
62	37.56	21.14
63	41.16	23.48
64	45.10	26.08
65	49.27	28.93
66	53.64	32.01
67	58.16	35.31
68	62.91	38.90
69	68.06	42.87
70	73.74	47.37
71	80.12	52.51
72	87.33	58.44
73	95.33	65.14
74	104.09	72.51
75	113.45	80.39
76	123.02	88.71
77	132.63	97.41
78	142.34	106.54
79	152.49	116.38
80	163.42	127.24
81	175.45	139.43
82	188.77	153.17
83	203.18	168.40
84	218.18	184.83
85	233.27	202.09
86	248.09	219.93
87	263.30	238.11
88	279.15	256.53
89	294.91	275.46
90	310.80	295.17
91	327.34	316.11
92	346.52	339.07
93	371.11	366.28
94	404.65	402.78
95	457.42	457.42
96	547.29	547.29
97	703.30	703.30
98	968.70	968.70
99	1000.00	1000.00

TABLE 8

1980 CET FEMALE SMOKER AND NONSMOKER RATES OF MORTALITY Age Last Birthday

*Age*	*Smoker*	*Non- smoker*
15	1.71	1.61
16	1.76	1.65
17	1.81	1.68
18	1.86	1.71
19	1.89	1.74
20	1.92	1.76
21	1.94	1.78
22	1.97	1.79
23	2.00	1.81
24	2.03	1.83
25	2.06	1.85
26	2.11	1.88
27	2.15	1.90
28	2.20	1.93
29	2.26	1.97
30	2.33	2.00
31	2.39	2.04
32	2.46	2.08
33	2.55	2.13
34	2.65	2.19
35	2.76	2.26
36	2.93	2.36
37	3.13	2.48
38	3.39	2.61
39	3.72	2.75
40	4.11	2.92
41	4.52	3.10
42	4.94	3.29
43	5.36	3.52
44	5.77	3.76
45	6.21	4.02
46	6.67	4.29
47	7.14	4.59
48	7.64	4.90
49	8.20	5.25
50	8.80	5.64
51	9.44	6.07
52	10.17	6.57
53	10.97	7.11
54	11.79	7.67
55	12.64	8.27
56	13.47	8.87
57	14.25	9.45
58	15.02	10.04
59	15.83	10.70
60	16.81	11.48
61	18.03	12.44
62	19.60	13.64
63	21.52	15.11
64	23.65	16.76
65	25.90	18.54
66	28.18	20.38
67	30.39	22.27
68	32.63	24.22
69	35.06	26.39
70	37.93	28.94
71	41.57	32.05
72	46.03	35.85
73	51.34	40.42
74	57.38	45.67
75	63.99	51.53
76	71.01	57.88
77	78.34	64.68
78	86.09	72.03
79	94.52	80.18
80	103.97	89.45
81	114.70	100.11
82	126.89	112.40
83	140.97	126.26
84	156.23	141.53
85	172.45	158.05
86	189.48	175.71
87	207.16	194.47
88	225.58	214.34
89	244.73	235.50
90	265.95	258.09
91	288.81	282.65
92	314.16	310.09
93	343.93	342.36
94	383.80	383.80
95	443.33	443.33
96	538.04	538.04
97	698.41	698.41
98	967.15	967.15
99	1000.00	1000.00

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New York Codes, Rules and RegulationsTitle 11 - INSURANCEAppendicesAppendix 21

New York Codes, Rules and Regulations
Title 11 - INSURANCE
Appendices
Appendix 21