New York Codes, Rules and Regulations
Title 11 - INSURANCE
Chapter III - Policy and Certificate Provisions
Subchapter A - Life, Accident and Health Insurance
Part 42 - Term Life Issuance And Renewal Restrictions; Nonforfeiture Values For Certain Life Insurance Policies
Subpart 42-1 - Term Life Issuance And Renewal Restrictions; Nonforfeiture Values For Certain Life Insurance Policies Issued On Or After November 22, 1995 And Before January 1, 2009
Section 42-1.6 - Appendixes
Universal Citation: 11 NY Comp Codes Rules and Regs ยง 42-1.6
Current through Register Vol. 46, No. 39, September 25, 2024
Appendixes.
APPENDIX I
Term Life To 90 Plan Issue Age 65 Male
| Sub | Test | 1 | |||||||||
| Prem | Period | Death | Minimum cash values 1980 CSO Combine Male Age Nearest Curtate ULT 5% | ||||||||
| DUR | Scale | N | Benefit | End't | Period 1 | Period 2 | Period 3 | Period 4 | Period 5 | Period 6 | Period 7 |
| 0 | -60.00 | -60.00 | -60.00 | -60.00 | -60.00 | -60.00 | -60.00 | ||||
| 1 | 15.00 | 1 | 1,000 | 0 | -37.99 | -51.23 | -52.19 | -53.02 | -53.71 | -54.28 | -54.74 |
| 2 | 15.00 | 1 | 1,000 | 0 | -16.82 | -44.39 | -46.39 | -48.11 | -49.55 | -50.74 | -51.69 |
| 3 | 15.00 | 1 | 1,000 | 0 | 3.39 | -39.77 | -42.91 | -45.60 | -47.86 | -49.71 | -51.20 |
| 4 | 15.00 | 1 | 1,000 | 0 | 22.51 | -37.71 | -42.09 | -45.85 | -48.99 | -51.57 | -53.66 |
| 5 | 15.00 | 1 | 1,000 | 0 | 40.32 | -38.67 | -44.42 | -49.35 | -53.47 | -56.86 | -59.59 |
| 6 | 15.00 | 1 | 1,000 | 0 | 56.44 | -43.33 | -50.60 | -56.82 | -62.03 | -66.31 | -69.76 |
| 7 | 15.00 | 1 | 1,000 | 0 | 70.41 | -52.58 | -61.54 | -69.21 | -75.64 | -80.91 | -85.16 |
| 8 | 15.00 | 1 | 1,000 | 0 | 81.55 | -67.59 | -78.45 | -87.76 | -95.55 | -101.95 | -107.10 |
| 9 | 15.00 | 1 | 1,000 | 0 | 89.07 | -89.85 | -102.88 | -114.04 | -123.39 | -131.06 | -137.25 |
| 10 | 15.00 | 1 | 1,000 | 0 | 92.09 | -121.09 | -136.61 | -149.91 | -161.05 | -170.19 | -177.56 |
| 11 | 15.00 | 1 | 1,000 | 0 | 89.65 | -163.33 | -181.75 | -197.53 | -210.74 | -221.59 | -230.34 |
| 12 | 15.00 | 1 | 1,000 | 0 | 80.68 | -218.98 | -240.79 | -259.49 | -275.14 | -287.99 | -298.35 |
| 13 | 15.00 | 1 | 1,000 | 0 | 63.91 | -291.00 | -316.84 | -338.98 | -357.52 | -372.74 | -385.01 |
| 14 | 15.00 | 1 | 1,000 | 0 | 37.77 | -383.10 | -413.74 | -440.00 | -461.98 | -480.03 | -494.58 |
| 15 | 15.00 | 1 | 1,000 | 0 | 0.00 | -500.37 | -536.80 | -568.02 | -594.16 | -615.61 | -632.92 |
| 16 | 100.00 | 2 | 1,000 | 0 | -407.94 | -457.34 | -499.67 | -535.11 | -564.20 | -587.66 | |
| 17 | 100.00 | 2 | 1,000 | 0 | -312.83 | -377.96 | -433.77 | -480.50 | -518.86 | -549.79 | |
| 18 | 100.00 | 2 | 1,000 | 0 | -214.24 | -298.80 | -371.26 | -431.93 | -481.73 | -521.89 | |
| 19 | 100.00 | 2 | 1,000 | 0 | -110.82 | -219.85 | -313.29 | -391.51 | -455.73 | -507.52 | |
| 20 | 100.00 | 2 | 1,000 | 0 | 0.00 | -140.44 | -260.80 | -361.56 | -444.28 | -510.98 | |
| 21 | 120.00 | 3 | 1,000 | 0 | 0.00 | -156.79 | -288.06 | -395.83 | -482.72 | ||
| 22 | 135.00 | 4 | 1,000 | 0 | 0.00 | -172.55 | -314.22 | -428.45 | |||
| 23 | 150.00 | 5 | 1,000 | 0 | 0.00 | -188.05 | -339.67 | ||||
| 24 | 165.00 | 6 | 1,000 | 0 | 0.00 | -203.42 | |||||
| 25 | 180.00 | 7 | 1,000 | 0 | 0.00 | ||||||
| Test Purpose: Determine if Cash Values are needed | |||||||||||
| And if so, what plan Based upon period is to be assumed for determining policy cash values | |||||||||||
APPENDIX II
Term Life To 90 Plan Issue Age 65 Male
(ENTERY AGE 80)
| Sub | Test | 2 | ||||||||
| Prem | Period | Death | Minimum cash values 1980 CSO Combine Male Age Nearest Curtate ULT 5% | |||||||
| DUR | Scale | N | Benefit | End't | Period 1 | Period 2 | Period 3 | Period 4 | Period 5 | Period 6 |
| 15 | -60.00 | -60.00 | -60.00 | -60.00 | -60.00 | -60.00 | ||||
| 16 | 100.00 | 1 | 1,000 | 0 | -33.13 | -33.73 | -34.64 | -35.60 | -36.49 | -37.26 |
| 17 | 100.00 | 1 | 1,000 | 0 | -11.52 | -12.83 | -14.81 | -16.91 | -18.86 | -20.56 |
| 18 | 100.00 | 1 | 1,000 | 0 | 2.99 | 0.83 | -2.47 | -5.94 | -9.17 | -11.98 |
| 19 | 100.00 | 1 | 1,000 | 0 | 7.87 | 4.65 | -0.25 | -5.43 | -10.24 | -14.43 |
| 20 | 100.00 | 1 | 1,000 | 0 | 0.00 | -456 | -11.50 | -18.83 | -25.64 | -31.57 |
| 21 | 120.00 | 2 | 1,000 | 0 | 0.00 | -9.77 | -20.07 | -29.66 | -37.99 | |
| 22 | 135.00 | 3 | 1,000 | 0 | 0.00 | -14.38 | -27.75 | -39.37 | ||
| 23 | 150.00 | 4 | 1,000 | 0 | 0.00 | -18.58 | -34.74 | |||
| 24 | 165.00 | 5 | 1,000 | 0 | 0.00 | -22.46 | ||||
| 25 | 180.00 | 6 | 1,000 | 0 | 0.00 | |||||
| Test Purpose: Determine if Cash Values are needed | ||||||||||
| And if so, what plan Based upon period is to be assumed for determining policy cash values | ||||||||||
APPENDIX III
Whole Life Endowment AT 95 Issue Age 50 Male Non-Smoker
(Graded Premium)
| Sub | TEST 1 | ||||||||||||
| Prem | Period | Death | Minimum cash values 1980 CSO Male non-smoker age nearest curtate ULT 5% | ||||||||||
| DUR | Scale | N | Benefit | End't | Period 1 | Period 2 | Period 3 | Period 4 | Period 5 | Period 6 | Period 7 | Period 8 | Period 9 |
| 0 | -35.85 | ||||||||||||
| 1 | 3.00 | 1 | 1,000 | 0 | -38.90 | ||||||||
| 2 | 3.00 | 1 | 1,000 | 0 | -42.57 | ||||||||
| 3 | 3.00 | 1 | 1,000 | 0 | -46.99 | ||||||||
| 4 | 3.00 | 1 | 1,000 | 0 | -52.26 | ||||||||
| 5 | 3.00 | 1 | 1,000 | 0 | -58.53 | ||||||||
| 6 | 3.00 | 1 | 1,000 | 0 | -65.95 | ||||||||
| 7 | 3.00 | 1 | 1,000 | 0 | -74.67 | ||||||||
| 8 | 3.00 | 1 | 1,000 | 0 | -84.86 | ||||||||
| 9 | 3.00 | 1 | 1,000 | 0 | -96.68 | ||||||||
| 10 | 3.00 | 1 | 1,000 | 0 | -110.41 | -55.80 | |||||||
| 11 | 17.00 | 2 | 1,000 | 0 | -108.14 | -52.28 | |||||||
| 12 | 17.00 | 2 | 1,000 | 0 | -107.18 | -49.92 | |||||||
| 13 | 17.00 | 2 | 1,000 | 0 | -107.83 | -48.98 | |||||||
| 14 | 17.00 | 2 | 1,000 | 0 | -110.43 | -49.77 | |||||||
| 15 | 17.00 | 2 | 1,000 | 0 | -115.37 | -52.67 | -60.00 | ||||||
| 16 | 27.00 | 3 | 1,000 | 0 | -109.97 | -46.26 | -53.71 | ||||||
| 17 | 27.00 | 3 | 1,000 | 0 | -106.75 | -41.81 | -49.40 | ||||||
| 18 | 27.00 | 3 | 1,000 | 0 | -106.08 | -39.63 | -47.40 | ||||||
| 19 | 27.00 | 3 | 1,000 | 0 | -108.36 | -40.11 | -48.08 | ||||||
| 20 | 27.00 | 3 | 1,000 | 0 | -114.12 | -43.72 | -51.94 | -60.00 | |||||
| 21 | 39.00 | 4 | 1,000 | 0 | -108.20 | -36.81 | -45.16 | -53.32 | -60.00 | ||||
| 22 | 44.00 | 5 | 1,000 | 0 | -99.31 | -27.25 | -35.67 | -43.91 | -50.65 | -60.00 | |||
| 23 | 52.00 | 6 | 1,000 | 0 | -83.74 | -11.67 | -20.10 | -28.34 | -35.08 | -44.43 | -60.00 | ||
| 24 | 61.00 | 7 | 1,000 | 0 | -60.00 | 11.21 | 2.89 | -5.26 | -11.92 | -21.16 | -36.55 | -60.00 | |
| 25 | 70.00 | 8 | 1,000 | 0 | -27.64 | 41.82 | 33.70 | 25.75 | 19.26 | 10.25 | -4.76 | -27.64 | -60.00 |
| 26 | 81.00 | 9 | 1,000 | 0 | 17.02 | 83.47 | 75.70 | 68.10 | 61.89 | 53.27 | 38.91 | 17.03 | -13.93 |
| 27 | 81.00 | 9 | 1,000 | 0 | 60.61 | 124.10 | 116.68 | 109.42 | 103.48 | 95.24 | 81.52 | 60.61 | 31.03 |
| 28 | 81.00 | 9 | 1,000 | 0 | 103.24 | 163.86 | 156.77 | 149.84 | 144.17 | 136.31 | 123.21 | 103.24 | 75.00 |
| 29 | 81.00 | 9 | 1,000 | 0 | 145.17 | 202.95 | 196.20 | 189.59 | 184.18 | 176.69 | 164.20 | 145.17 | 118.25 |
| 30 | 81.00 | 9 | 1,000 | 0 | 186.55 | 241.53 | 235.11 | 228.81 | 223.67 | 216.54 | 204.66 | 186.55 | 160.93 |
| 31 | 81.00 | 9 | 1,000 | 0 | 227.35 | 279.58 | 273.47 | 267.50 | 262.61 | 255.84 | 244.55 | 227.35 | 203.02 |
| 32 | 81.00 | 9 | 1,000 | 0 | 267.46 | 316.98 | 311.19 | 305.53 | 300.90 | 294.47 | 283.77 | 267.47 | 244.40 |
| 33 | 81.00 | 9 | 1,000 | 0 | 306.67 | 353.54 | 348.06 | 342.70 | 338.31 | 332.24 | 322.11 | 306.67 | 284.84 |
| 34 | 81.00 | 9 | 1,000 | 0 | 344.74 | 389.03 | 383.85 | 378.78 | 374.64 | 368.90 | 359.33 | 344.74 | 324.10 |
| 35 | 81.00 | 9 | 1,000 | 0 | 381.66 | 423.46 | 418.57 | 413.79 | 409.88 | 404.46 | 395.43 | 381.66 | 362.19 |
| 36 | 81.00 | 9 | 1,000 | 0 | 417.71 | 457.07 | 452.47 | 447.97 | 444.29 | 439.18 | 430.68 | 417.71 | 399.38 |
| 37 | 81.00 | 9 | 1,000 | 0 | 453.47 | 490.41 | 486.09 | 481.87 | 478.41 | 473.62 | 465.64 | 453.47 | 436.26 |
| 38 | 81.00 | 9 | 1,000 | 0 | 489.79 | 524.28 | 520.25 | 516.30 | 513.08 | 508.60 | 501.15 | 489.79 | 473.72 |
| 39 | 81.00 | 9 | 1,000 | 0 | 528.03 | 559.94 | 556.21 | 552.56 | 549.57 | 545.44 | 538.54 | 528.03 | 513.17 |
| 40 | 81.00 | 9 | 1,000 | 0 | 570.01 | 599.07 | 595.68 | 592.35 | 589.63 | 585.86 | 579.58 | 570.01 | 556.47 |
| 41 | 81.00 | 9 | 1,000 | 0 | 618.31 | 644.11 | 641.10 | 638.15 | 635.73 | 632.39 | 626.81 | 618.32 | 606.30 |
| 42 | 81.00 | 9 | 1,000 | 0 | 676.87 | 698.71 | 696.16 | 693.66 | 691.62 | 688.79 | 684.06 | 676.87 | 666.70 |
| 43 | 81.00 | 9 | 1,000 | 0 | 751.84 | 768.61 | 766.65 | 764.73 | 763.16 | 760.99 | 757.36 | 751.84 | 744.02 |
| 44 | 81.00 | 9 | 1,000 | 0 | 853.48 | 863.38 | 862.23 | 861.09 | 860.17 | 858.88 | 856.74 | 853.48 | 848.87 |
| 45 | 81.00 | 9 | 1,000 | 1,000 | 1000.00 | 1000.00 | 1000.00 | 1000.00 | 1000.00 | 1000.00 | 1000.00 | 1000.00 | 1000.00 |
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