reglab/statecodes huggingface dataset:
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IV - Smoker/Nonsmoker Mortality Table › Section 031-340-IV-3 - Alternate tables

Current through 2024-29, July 17, 2024
A. For any policy
				  of insurance delivered or issued for delivery in this state after the operative
				  date of Title
				  24-A
				  M.R.S.A. Section2532-A for that policy form
				  and before January 1, 1989, at the option of the company and subject to the
				  conditions stated in Section 4 of this Article, (I) the 1958 CSO Smoker and
				  Nonsmoker Mortality Tables may be substituted for the 1980 CSO Table, with or
				  without Ten-Year Select Mortality Factors, and (ii) the 1958 CET Smoker and
				  Nonsmoker Mortality Tables may be substituted for the 1980 CET Table for use in
				  determining minimum reserve liabilities and minimum cash surrender values and
				  amounts of paid-up nonforfeiture benefits.
Provided that for any category of insurance issued on
					 female lives with minimum reserve liabilities and minimum cash surrender values
					 and amounts of paid-up nonforfeiture benefits determined using the 1958 CSO or
					 1958 CET Smoker and Nonsmoker Mortality Tables, such minimum values may be
					 calculated according to an age not more than six years younger than the actual
					 age of the insured.
Provided further that the substitution of the 1958 CSO or
					 1958 CET Smoker and Nonsmoker Mortality Tables is available only if made for
					 each policy of insurance on a policy form delivered or issued for delivery on
					 or after the operative date for that policy form and before a date not later
					 than January 1, 1989.
B.
				  For any policy of insurance delivered or issued for delivery in this state
				  after the operative date of Title
				  24-A
				  M.R.S.A. Section2532-A for that policy form,
				  at the option of the company and subject to the conditions stated in Section 4
				  of this Article,
(i) the 1980 CSO Smoker and
				  Nonsmoker Mortality Tables, with or without Ten-Year Select Mortality Factors,
				  may be substituted for the 1980 CSO Table, with or without Ten-Year Select
				  Mortality Factors, and
(ii) The
				  1980 CET Smoker and Nonsmoker Mortality Tables may be substituted for the 1980
				  CET Table. for use in determining reserve liabilities and minimum cash
				  surrender values and amounts of paid-up nonforfeiture benefits.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IV - Smoker/Nonsmoker Mortality Table › Section 031-340-IV-4 - Conditions

Current through 2024-29, July 17, 2024
For each plan of insurance with separate rates for smokers
					 and nonsmokers an insurer may
(1) Use
				  composite mortality tables to determine minimum reserve liabilities and minimum
				  cash surrender values and amounts of paid-up nonforfeiture benefits,
(2) Use smoker and nonsmoker mortality tables
				  to determine the valuation net premiums and additional minimum reserves, if
				  any, required by Title
				  24-A M.R.S.A.
				  Section957 and use composite mortality tables
				  to determine the basic minimum reserves, minimum cash surrender values and
				  amounts of paid-up nonforfeiture benefits, or
(3) Use smoker and nonsmoker mortality to
				  determine minimum reserve liabilities and minimum cash surrender values and
				  amounts of paid-up nonforfeiture benefits.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IV - Smoker/Nonsmoker Mortality Table › Section 031-340-IV-5 - Effective date

Current through 2024-29, July 17, 2024
The effective date of this Article is June 17, 1984.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article V - Annuity Mortality Tables › Section 031-340-V-1 - Purpose

Current through 2024-29, July 17, 2024
The purpose of this Article is to recognize and approve
					 the following mortality tables for use in determining the minimum standard of
					 valuation for annuity and pure endowment contracts: the 1983 Table "a," the
					 1983 Group Annuity Mortality (1983 GAM) Table, the Annuity 2000 Mortality
					 Table, the 2012 Individual Annuity Reserving (2012) Table,and the 1994 Group
					 Annuity Reserving (1994 GAR) Table.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article V - Annuity Mortality Tables › Section 031-340-V-2 - Definitions

Current through 2024-29, July 17, 2024
A. As used in this Article "1983 Table `a'"
				  means that mortality table developed by the Society of Actuaries Committee to
				  Recommend a New Mortality Basis for Individual Annuity Valuation and adopted as
				  a recognized mortality table for annuities in June, 1982 by the National
				  Association of Insurance Commissioners.
B. As used in this Article "1983 GAM Table"
				  means that mortality table developed by the Society of Actuaries Committee on
				  Annuities and adopted as a recognized mortality table for annuities in December
				  1983 by the National Association of Insurance Commissioners.
C. As used in this Article "1994 GAR Table"
				  means that mortality table developed by the Society of Actuaries Group Annuity
				  Valuation Table Task Force and adopted as a recognized mortality table for
				  annuities in December 1996 by the National Association of Insurance
				  Commissioners.
D. As used in this
				  Article "Annuity 2000 Mortality Table" means that mortality table developed by
				  the Society of Actuaries Committee on Life Insurance Research and adopted as a
				  recognized mortality table for annuities in December 1996 by the National
				  Association of Insurance Commissioners.
E. As use dinthisrule,"Periodtable"means a
				  table of mortality rates applicable to a given calendar year
				  (thePeriod).
F. As used in this
				  rule,"Generation almortalitytable"means amortality table contain in gase to f
				  mortality rates that decreasefor a given age from oneyeartothe next base
				  donacombination of a Periodtable and aprojection scale containing rates of
				  mortality improvement.
G. As used
				  in this rule"2012 IARTable "means that Generation almortality table developed
				  by the Society of Actuaries Committee on Life Insurance Research and containing
				  rates, qx2012 +n
					 , derived from a combination of the 2012 IAM Period Table and
				  Projection Scale G2, using the methodology stated in Section 4.
H. As use dinthisrule, "2012Individual
				  Annuity Mortality Period Life (2012IAMPeriod) Table" means the Period table
				  containing loaded mortality rates for calendar year 2012. This table contains
				  rates, qx2012, developed by
				  the Society of Actuaries Committee on Life Insurance Research and is Shown in
				  Appendices I - II.
I.
				  Asusedinthisrule, "Projection ScaleG2(ScaleG2)"is a table of annual
				  rates,G2x,of mortality improvement by age for projecting future mortality rates
				  beyond calendar year 2012. This table was developed by the Society of Actuaries
				  Committeeon Life Insurance Research and is shown in AppendicesIII -
				  IV.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article V - Annuity Mortality Tables › Section 031-340-V-3 - Individual annuity or pure endowment contracts

Current through 2024-29, July 17, 2024
A.
				  Except as provided in Subsections B and C of this Section, the 1983 Table "a"
				  is recognized and approved as an individual annuity mortality table for
				  valuation and, at the option of the company, may be used for purposes of
				  determining the minimum standard of valuation for any individual annuity or
				  pure endowment contract issued on or after January 1, 1979.
B. Except as provided in Subsection C of this
				  Section, either the 1983 Table "a" or the Annuity 2000 Mortality Table shall be
				  used for determining the minimum standard of valuation for any individual
				  annuity or pure endowment contract issued on or after January 1,
				  1985.
C. Except as provided in
				  Subsection D and E of this Section, the Annuity 2000 Mortality Table shall be
				  used for determining the minimum standard of valuation for any individual
				  annuity or pure endowment contract issued on or after January 1,
				  2000.
D. Except as provided in
				  Subsection E of this section, the 2012 IAR Mortality Table shall be used for
				  determining the minimum standard of valuation for any individual annuity or
				  pure endowment contract issued on or after January 1, 2015.
E. The 1983 Table "a" without projection
				  shall be used for determining the minimum standard of valuation for any
				  individual annuity or pure endowment contract issued on or after January 1,
				  2000, solely when the contract is based on life contingencies and is issued to
				  fund periodic benefits arising from:
(1)
				  Settlements of various forms of claims pertaining to court settlements or out
				  of court settlements from tort actions;
(2) Settlements involving similar actions
				  such as worker's compensation claims; or
(3) Settlements of long term disability
				  claims where a temporary or life annuity has been used in lieu of continuing
				  disability payments.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article V - Annuity Mortality Tables › Section 031-340-V-4 - Application of the 2012 IAR Mortality Table

Current through 2024-29, July 17, 2024
Inusing the 2012 IARM ortality Table,the mortality rate for
					 a person agex in year (2012+n) is calculated as follows:
qx2012+n
					 =qx2012(1-G2x)n
The resulting qx2012+n
						shall be round to three decimal places per 1,000, e.g., 0.741
					 deaths per 1,000. Also, the rounding shall occur according to the formula
					 above, starting at the 2012 period table rate.
For example, for a male age 30,
					 qx2012=0.741
qx2013=0.741*(1
					 - 0.010) ^ 1 = 0.73359, which is rounded to 0.734.
qx2014=0.741*(1
					 - 0.010) ^ 2 = 0.7262541, which is rounded to 0.726.
A method leading to incorrect rounding would be to
					 calculate qx2014 as
					 qx2013*(1 - 0.010), or
					 0.734*0.99=0.727.
It is incorrect to use the already rounded
					 qx2013 to calculate
					 qx2014.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article V - Annuity Mortality Tables › Section 031-340-V-5 - Group annuity or pure endowment contracts

Current through 2024-29, July 17, 2024
A. Except
				  as provided in Subsections B and C of this Section, the 1983 GAM Table, the
				  1983 Table "a" and the 1994 GAR Table are recognized and approved as group
				  annuity mortality tables for valuation and, at the option of the company, any
				  one of these tables may be used for purposes of valuation for any annuity or
				  pure endowment purchased on or after January 1, 1979 under a group annuity or
				  pure endowment contract.
B. Except
				  as provided in Subsection C of this Section, either the 1983 GAM Table or the
				  1994 GAR Table shall be used for determining the minimum standard of valuation
				  for any annuity or pure endowment purchased on or after January 1, 1986 under a
				  group annuity or pure endowment contract.
C. The 1994 GAR Table shall be used for
				  determining the minimum standard of valuation for any annuity or pure endowment
				  purchased on or after January 1, 2000 under a group annuity or pure endowment
				  contract.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article V - Annuity Mortality Tables › Section 031-340-V-6 - Application of the 1994 GAR Table

Current through 2024-29, July 17, 2024
In using the 1994 GAR Table, the mortality rate for a
					 person age x in year (1994 + n) is calculated as follows:
q
x1994+n =
q
x1994 (1 -
AA
x ) 
					 n
where the
q
x1994 and
AA
xs are as
					 specified in the 1994 GAR Table.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article V - Annuity Mortality Tables › Section 031-340-V-7 - Effective date

Current through 2024-29, July 17, 2024
The effective date of this Article as amended is January 1,
					 2015.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VI - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits › Section 031-340-VI-1 - Purpose

Current through 2024-29, July 17, 2024
The purpose of this Article is to recognize, permit, and
					 prescribe the use of the 2001 Commissioners Standard Ordinary (CSO) Mortality
					 Table for use in determining minimum reserve liabilities and nonforfeiture
					 benefits.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VI - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits › Section 031-340-VI-2 - Definitions

Current through 2024-29, July 17, 2024
A. "2001 CSO Mortality Table" means that
				  mortality table, consisting of separate rates of mortality for male and female
				  lives, developed by the American Academy of Actuaries CSO Task Force from the
				  Valuation Basic Mortality Table developed by the Society of Actuaries
				  Individual Life Insurance Valuation Mortality Task Force, and adopted by the
				  NAIC in December 2002. The 2001 CSO Mortality Table is included in the
				  Proceedings of the NAIC (2nd Quarter 2002). Unless
				  the context indicates otherwise, the "2001 CSO Mortality Table" includes both
				  the ultimate form of that table and the select and ultimate form of that table
				  and includes both the smoker and nonsmoker mortality tables and the composite
				  mortality tables. It also includes both the age-nearest-birthday and
				  age-last-birthday bases of the mortality tables.
B. "2001 CSO Mortality Table (F)" means that
				  mortality table consisting of the rates of mortality for female lives from the
				  2001 CSO Mortality Table.
C. "2001
				  CSO Mortality Table (M)" means that mortality table consisting of the rates of
				  mortality for male lives from the 2001 CSO Mortality Table.
D. "Composite mortality tables" means
				  mortality tables with rates of mortality that do not distinguish between
				  smokers and nonsmokers.
E. "Smoker
				  and nonsmoker mortality tables" means mortality tables with separate rates of
				  mortality for smokers and nonsmokers.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VI - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits › Section 031-340-VI-3 - 2001 CSO Mortality Table

Current through 2024-29, July 17, 2024
A. At the election
				  of the company for any one or more specified plans of insurance and subject to
				  the conditions stated in this rule, the 2001 CSO Mortality Table may be used as
				  the minimum standard for policies issued on or after January 1, 2004, and
				  before the date specified in Subsection B to which 24-A M.R.S.A. Section
				  953(2)(A), 24-A M.R.S.A. Section 2532-A(8)(F) , and Rule 830, Sections 5(A) and
				  5(B)are applicable. If the company elects to use the 2001 CSO Mortality Table,
				  it shall do so for both valuation and nonforfeiture purposes.
B. Subject to the conditions stated in this
				  rule, the 2001 CSO Mortality Table shall be used in determining minimum
				  standards for policies issued on and after January 1, 2009, to which 24-A
				  M.R.S.A. Section 953(2)(A), 24-A M.R.S.A. Section 2532-A(8)(F) , and Rule 830,
				  Sections 5(A) and 5(B) are applicable.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VI - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits › Section 031-340-VI-4 - Conditions

Current through 2024-29, July 17, 2024
A. For each plan of insurance with separate
				  rates for smokers and nonsmokers an insurer may use:
(1) Composite mortality tables to determine
				  minimum reserve liabilities and minimum cash surrender values and amounts of
				  paid-up nonforfeiture benefits;
(2)
				  Smoker and nonsmoker mortality tables to determine the valuation net premiums
				  and additional minimum reserves, if any, required by
				  24-A M.R.S.A.
				  Section957 and use composite mortality tables
				  to determine the basic minimum reserves, minimum cash surrender values, and
				  amounts of paid-up nonforfeiture benefits; or
(3) Smoker and nonsmoker mortality to
				  determine minimum reserve liabilities and minimum cash surrender values and
				  amounts of paid-up nonforfeiture benefits.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VI - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits › Section 031-340-VI-5 - Applicability of the 2001 CSO Mortality Table to Rule 830

Current through 2024-29, July 17, 2024
A. The 2001 CSO Mortality Table may be used
				  in applying Rule 830 in the following manner, subject to the transition dates
				  for use of the 2001 CSO Mortality Table in Section 3 of this Article. Unless
				  otherwise noted, the references in this section are to Rule 830.
(1) Section 3(A)(2)(b): The net level reserve
				  premium is based on the ultimate mortality rates in the 2001 CSO Mortality
				  Table.
(2) Section 4(B): All
				  calculations are made using the 2001 CSO Mortality Rate, and, if elected, the
				  optional minimum mortality standard for deficiency reserves stipulated in
				  Section 5(A)(4) of this Article. The value of "qx+k+t-1"
				  is the valuation mortality rate for deficiency reserves in policy year k+t, but
				  using the unmodified select mortality rates if modified select mortality rates
				  are used in the computation of deficiency reserves.
(3) Section 5(A): The 2001 CSO Mortality
				  Table is the minimum standard for basic reserves.
(4) Section 5(B): The 2001 CSO Mortality
				  Table is the minimum standard for deficiency reserves. If select mortality
				  rates are used, they may be multiplied by X percent for durations in the first
				  segment, subject to the conditions specified in Sections (5)(B)(3)(a) to (i).
				  In demonstrating compliance with those conditions, the demonstrations may not
				  combine the results of tests that utilize the 1980 CSO Mortality Table with
				  those tests that utilize the 2001 CSO Mortality Table, unless the combination
				  is explicitly required by rule or necessary to be in compliance with relevant
				  Actuarial Standards of Practice.
(5) Section 6(C): The valuation mortality
				  table used in determining the tabular cost of insurance shall be the ultimate
				  mortality rates in the 2001 CSO Mortality Table.
(6) Section 6(E)(4): The calculations
				  specified in Section 6(E) shall use the ultimate mortality rates in the 2001
				  CSO Mortality Table.
(7) Section
				  6(F)(4): The calculations specified in Section 6(F) shall use the ultimate
				  mortality rates in the 2001 CSO Mortality Table.
(8) Section 6(G)(2): The calculations
				  specified in Section 6(G) shall use the ultimate mortality rates in the 2001
				  CSO Mortality Table.
(9) Section
				  7(A)(1)(b): The one-year valuation premium shall be calculated using the
				  ultimate mortality rates in the 2001 CSO Mortality Table.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VI - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits › Section 031-340-VI-6 - Gender-Blended Tables

Current through 2024-29, July 17, 2024
A. For any ordinary
				  life insurance policy delivered or issued for delivery in this state on or
				  after January 1, 2004 that utilizes the same premium rates and charges for male
				  and female lives or is issued in circumstances where applicable law does not
				  permit distinctions on the basis of gender, a mortality table that is a blend
				  of the 2001 CSO Mortality Table (M) and the 2001 CSO Mortality Table (F) may,
				  at the option of the company for each plan of insurance, be substituted for the
				  2001 CSO Mortality Table for use in determining minimum cash surrender values
				  and amounts of paid-up nonforfeiture benefits. No change in minimum valuation
				  standards is implied by this subsection.
B. The company may choose from among the
				  blended tables developed by the American Academy of Actuaries CSO Task Force
				  and adopted by the NAIC in December 2002.
C. It shall not, in and of itself, be a
				  violation of 24-A M.R.S.A. Chapter 23 for an insurer to issue the same kind of
				  policy of life insurance on both a sex-distinct and sex-neutral basis.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VI - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits › Section 031-340-VI-7 - Effective Date

Current through 2024-29, July 17, 2024
The effective date of this Article is March 27,
					 2004.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VII - Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 031-340-VII-1 - Purpose

Current through 2024-29, July 17, 2024
The purpose of this Article is to recognize and permit the
					 use of mortality tables that reflect differences inmortality between Preferred
					 and Standard lives in determining minimum reserve liabilities for life
					 insurance.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VII - Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 031-340-VII-2 - Definitions

Current through 2024-29, July 17, 2024
A. "2001 CSO Mortality Table" means that
				  mortality table, consisting of separate rates of mortality for male and female
				  lives, developed by the American Academy of Actuaries CSO Task Force from the
				  Valuation Basic Mortality Table developed by the Society of Actuaries
				  Individual Life Insurance Valuation Mortality Task Force and adopted by the
				  NAIC in December 2002. The 2001 CSO Mortality Table is included in the
				  Proceedings of the NAIC (2nd Quarter 2002) and is
				  supplemented by the 2001 CSO Preferred Class Structure Mortality Table defined
				  below in Subsection B. Unless the context indicates otherwise, the "2001CSO
				  Mortality Table" includes both the ultimate form of that table and the select
				  and ultimate form of that table and includes both the smoker and nonsmoker
				  mortality tables and the composite mortality tables. It also includes both the
				  age-nearest-birthday and age-last-birthday bases of the mortality tables.
				  Mortality tables in the 2001 CSO Mortality Table include the following:
(1) "2001 CSO Mortality Table (F)" means that
				  mortality table consisting of the rates of mortality for female lives from the
				  2001 CSO Mortality Table.
(2) "2001
				  CSO Mortality Table (M)" means that mortality table consisting of the rates of
				  mortality for male lives from the 2001 CSO Mortality Table.
(3) "Composite mortality tables" means
				  mortality tables with rates of mortality that do not distinguish between
				  smokers and nonsmokers.
(4) "Smoker
				  and nonsmoker mortality tables" means mortality tables with separate rates of
				  mortality for smokers and nonsmokers.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VII - Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 031-340-VII-3 - 2001 CSO Preferred Class Structure Table

Current through 2024-29, July 17, 2024
At the election of the company, for each calendar year of
					 issue, for any one or more specified plans of insurance and subject to
					 satisfying the conditions stated in this Article, the 2001 CSO Preferred Class
					 Structure Mortality Table may be substituted in place of the 2001 CSO Smoker or
					 Nonsmoker Mortality Table as the minimum valuation standard for policies issued
					 on or after January 1, 2007. For policies issued on or after March 27, 2004 and
					 prior to January 1, 2007, these tables may be substituted, with the consent of
					 the Superintendent and subject to the conditions of Section 4. In determining
					 such consent, the Superintendent may rely on the consent of the insurance
					 commissioner of the company's state of domicile. No such election shall be made
					 until the company demonstrates at least 20% of the business to be valued on
					 this table is in one or more of the preferred classes. A table from the 2001
					 CSO Preferred Class Structure Mortality Table used in place of a 2001 CSO
					 Mortality Table, pursuant to the requirements of this rule, will betreated as
					 part of the 2001 CSO Mortality Table only for purposes of reserve valuation
					 pursuant to the requirements of Article VI of this rule.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VII - Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 031-340-VII-4 - Conditions

Current through 2024-29, July 17, 2024
A. For each plan of insurance with separate
				  rates for Preferred and Standard Nonsmoker lives, an insurer may use the Super
				  Preferred Nonsmoker, Preferred Nonsmoker, and Residual Standard Nonsmoker
				  tables to substitute for the Nonsmoker mortality table found in the 2001 CSO
				  Mortality Table to determine minimum reserves. At the time of election and
				  annually thereafter, except for business valued under the Residual Standard
				  Nonsmoker Table, the appointed actuary shall certify that:
(1) The present value of death benefits over
				  the next ten years after the valuation date, using the anticipated mortality
				  experience without recognition of mortality improvement beyond the valuation
				  date for each class, is less than the present value of death benefits using the
				  valuation basic table corresponding to the valuation table being used for that
				  class.
(2) The present value of
				  death benefits over the future life of the contracts, using anticipated
				  mortality experience without recognition of mortality improvement beyond the
				  valuation date for each class, is less than the present value of death benefits
				  using the valuation basic table corresponding to the valuation table being used
				  for that class.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VII - Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 031-340-VII-5 - Effective Date

Current through 2024-29, July 17, 2024
The effective date of this Article as amended is January
					 1, 2015.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VIII - Determining Reserve Liabilities for Credit Life Insurance › Section 031-340-VIII-1 - Purpose

Current through 2024-29, July 17, 2024
The purpose of this Article is to:
A. Recognize the 2001 CSO Male Composite
				  Ultimate Mortality Table for use in determining the minimum standard of
				  valuation for credit life insurance.
B. Specify the interest rate and method to be
				  used in determining the minimum standard of valuation for credit life
				  insurance.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VIII - Determining Reserve Liabilities for Credit Life Insurance › Section 031-340-VIII-2 - Definitions

Current through 2024-29, July 17, 2024
A. "2001 CSO Mortality Table" means that
				  mortality table, consisting of separate rates of mortality for male and female
				  lives, developed by the American Academy of Actuaries CSO Task Force from the
				  Valuation Basic Mortality Table developed by the Society of Actuaries
				  Individual Life Insurance Valuation Mortality Task Force, and adopted by the
				  NAIC in December 2002. The 2001 CSO Mortality Table is included in the
				  Proceedings of the NAIC (2nd Quarter 2002). Unless the context indicates
				  otherwise, the "2001 CSO Mortality Table" includes both the ultimate form of
				  that table and the select and ultimate form of that table and includes both the
				  smoker and nonsmoker mortality tables and the composite mortality tables. It
				  also includes both the age-nearest-birthday and age-last-birthday bases of the
				  mortality tables.
B. "Composite
				  mortality tables" means mortality tables with rates of mortality that do not
				  distinguish between smokers and nonsmokers.
C. "Credit life insurance" means life
				  insurance policies and certificates subject to 24-A M.R.S.A. Chapter
				  37.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VIII - Determining Reserve Liabilities for Credit Life Insurance › Section 031-340-VIII-3 - 2001 CSO Male Composite Ultimate Mortality Table

Current through 2024-29, July 17, 2024
A. The minimum standard for both male and
				  female insureds shall be 2001 CSO Male Composite Ultimate Mortality
				  Table.
B. Where the credit life
				  insurance policy or certificate insures two lives, the minimum standard shall
				  be twice the mortality in the 2001 CSO Male Composite Ultimate Mortality Table
				  based on the age of the older insured.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VIII - Determining Reserve Liabilities for Credit Life Insurance › Section 031-340-VIII-4 - Minimum Standards

Current through 2024-29, July 17, 2024
A. Rule 830 shall
				  not apply to credit life insurance.
B. The interest rates used in determining the
				  minimum standard for valuation shall be the calendar year statutory valuation
				  interest rates as defined in
				  24-A M.R.S.A.
				  §953-A.
C. The method used in determining the minimum
				  standard for valuation shall be the commissioners reserve valuation method as
				  defined in
				  24-A M.R.S.A.
				  §954.
(1) In applying the commissioners reserve
				  valuation method, consideration should be given to the period of time for which
				  renewability of benefits are guaranteed under the contract. If benefits are
				  guaranteed for less than one year, the method produces a reserve equal to the
				  mortality cost from the valuation date to the premium "paid-to" date.
(2) Title
				  24-A M.R.S.A.
				  §952 contains language permitting the
				  use of "group methods and approximate averages for fractions of a year or
				  otherwise." Such methods may be appropriate in those situations where
				  individual certificate data is not readily available to the insurer. This is
				  especially common in monthly payment programs, with frequent remittance of
				  small premiums.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article VIII - Determining Reserve Liabilities for Credit Life Insurance › Section 031-340-VIII-5 - Effective Date

Current through 2024-29, July 17, 2024
This Article is applicable to credit life insurance
					 policies and certificates issued on or after January 1, 2007.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IX - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values › Section 031-340-IX-1 - Scope

Current through 2024-29, July 17, 2024
This Article applies to preneed insurance contracts, as
					 defined in Section 3(C) of this Article, and to similar policies and
					 certificates.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IX - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values › Section 031-340-IX-2 - Purpose

Current through 2024-29, July 17, 2024
The purpose of this Article is to establish for preneed
					 insurance products minimum mortality standards for reserves and nonforfeiture
					 values, and to require the use of the 1980 Commissioners Standard Ordinary
					 (CSO) Life Valuation Mortality Table for use in determining the minimum
					 standard of valuation of reserves and the minimum standard nonforfeiture values
					 for preneed insurance products.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IX - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values › Section 031-340-IX-3 - Definitions

Current through 2024-29, July 17, 2024
A. "2001 CSO" means that mortality table,
				  consisting of separate rates of mortality for male and female lives, developed
				  by the American Academy of Actuaries CSO Task Force from the Valuation Basic
				  Mortality Table developed by the Society of Actuaries Individual Life Insurance
				  Valuation Mortality Task Force, and adopted by the NAIC in December 2002. The
				  2001 CSO Mortality Table is included in the Proceedings of the NAIC (2nd
				  Quarter 2002). Unless the context indicates otherwise, the "2001 CSO Mortality
				  Table" includes both the ultimate form of that table and the select and
				  ultimate form of that table and includes both the smoker and nonsmoker
				  mortality tables and the composite mortality tables. It also includes both the
				  age-nearest-birthday and age-last-birthday bases of the mortality
				  tables.
B. "Ultimate 1980 CSO"
				  means the Commissioners' 1980 Standard Ordinary Life Valuation Mortality Tables
				  (1980 CSO) without ten-year (10-year) selection factors, incorporated into the
				  1980 amendments to the NAIC Standard Valuation Law approved in December 1983.
				  It also includes gender-blended tables consistent with Article III of this
				  rule.
C. For the purposes of this
				  Article, "preneed insurance" means any life insurance policy or certificate
				  that is issued in combination with, in support of, with an assignment to, or as
				  a guarantee for a prearrangement agreement for goods and services to be
				  provided at the time of and immediately following the death of the insured.
				  Goods and services may include, but are not limited to embalming, cremation,
				  body preparation, viewing or visitation, coffin or urn, memorial stone, and
				  transportation of the deceased. The status of the policy or contract as preneed
				  insurance is determined at the time of issue in accordance with the policy form
				  filing.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IX - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values › Section 031-340-IX-4 - Minimum Valuation Mortality Standards

Current through 2024-29, July 17, 2024
For preneed insurance contracts, as defined in Section 3(C)
					 of this Article, and similar policies and contracts, the minimum mortality
					 standard for determining reserve liabilities and non-forfeiture values for both
					 male and female insureds shall be the Ultimate 1980 CSO.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IX - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values › Section 031-340-IX-5 - Minimum Valuation Interest Rate Standards

Current through 2024-29, July 17, 2024
A.
				  The interest rates used in determining the minimum standard for valuation of
				  preneed insurance shall be the calendar year statutory valuation interest rates
				  as defined in
				  24-A M.R.S.A.
				  §953-A.
B. The interest rates used in determining the
				  minimum standard for nonforfeiture values for preneed insurance shall be the
				  calendar year statutory nonforfeiture interest rates as defined in
				  24-A
				  M.R.S.A. §2532-A.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IX - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values › Section 031-340-IX-6 - Minimum Valuation Method Standards

Current through 2024-29, July 17, 2024
A. The
				  method used in determining the standard for the minimum valuation of reserves
				  of preneed insurance shall be the method defined in
				  24-A M.R.S.A.
				  §954.
B. The method used in determining the
				  standard for the minimum nonforfeiture values for preneed insurance shall be
				  the method defined in
				  24-A
				  M.R.S.A. §2532-A.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IX - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values › Section 031-340-IX-7 - Transition Rules

Current through 2024-29, July 17, 2024
A. For preneed
				  insurance policies issued on or after the effective date of this Article and
				  before January 1, 2012, the 2001 CSO may be used as the minimum standard for
				  reserves and minimum standard for non-forfeiture benefits for both male and
				  female insureds.
B. If an insurer
				  elects to use the 2001 CSO as a minimum standard for any policy issued on or
				  after the effective date of this Article and before January 1, 2012, the
				  insurer shall provide, as a part of the actuarial opinion memorandum submitted
				  in support of the company's asset adequacy testing, an annual written
				  notification to the domiciliary commissioner. The notification shall include:
(1) A complete list of all preneed insurance
				  policy forms that use the 2001 CSO as a minimum standard;
(2) A certification signed by the appointed
				  actuary stating that the reserve methodology employed by the company in
				  determining reserves for the preneed insurance policies issued after the
				  effective date and using the 2001 CSO as a minimum standard, develops adequate
				  reserves (For the purposes of this certification, the preneed insurance
				  policies using the 2001 CSO as a minimum standard cannot be aggregated with any
				  other policies.); and
(3)
				  Supporting information regarding the adequacy of reserves for preneed insurance
				  policies issued after the effective date of this Article and using the 2001 CSO
				  as a minimum standard for reserves.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article IX - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values › Section 031-340-IX-8 - Effective Date

Current through 2024-29, July 17, 2024
This Article is applicable to preneed insurance policies
					 and certificates and similar contracts and certificates, as specified in
					 Section 1 of this Article, issued on or after January 1, 2009.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Article X - Separability

Current through 2024-29, July 17, 2024
If any provision of this Rule or the application thereof to
				  any person or circumstance is for any reason held to be invalid, the remainder
				  of the Rule and the application of such provision to other persons or
				  circumstances shall not be affected thereby.
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Appendix I - 2012 IAM Period Table- Female, Age Nearest Birthday

Current through 2024-29, July 17, 2024
AGE
1000*qx2012
AGE
1000*qx2012
AGE
1000*qx2012
AGE
1000*qx2012
0
1.621
30
0.300
60
3.460
90
88.377
1
0.405
31
0.321
61
3.916
91
97.491
2
0.259
32
0.338
62
4.409
92
107.269
3
0.179
33
0.351
63
4.933
93
118.201
4
0.137
34
0.365
64
5.507
94
130.969
5
0.125
35
0.381
65
6.146
95
146.449
6
0.117
36
0.402
66
6.551
96
163.908
7
0.110
37
0.429
67
7.039
97
179.695
8
0.095
38
0.463
68
7.628
98
196.151
9
0.088
39
0.504
69
8.311
99
213.150
10
0.085
40
0.552
70
9.074
100
230.722
11
0.086
41
0.600
71
9.910
101
251.505
12
0.094
42
0.650
72
10.827
102
273.007
13
0.108
43
0.697
73
11.839
103
295.086
14
0.131
44
0.740
74
12.974
104
317.591
15
0.156
45
0.780
75
14.282
105
340.362
16
0.179
46
0.825
76
15.799
106
362.371
17
0.198
47
0.885
77
17.550
107
384.113
18
0.211
48
0.964
78
19.582
108
400.000
19
0.221
49
1.051
79
21.970
109
400.000
20
0.228
50
1.161
80
24.821
110
400.000
21
0.234
51
1.308
81
28.351
111
400.000
22
0.240
52
1.460
82
32.509
112
400.000
23
0.245
53
1.613
83
37.329
113
400.000
24
0.247
54
1.774
84
42.830
114
400.000
25
0.250
55
1.950
85
48.997
115
400.000
26
0.256
56
2.154
86
55.774
116
400.000
27
0.261
57
2.399
87
63.140
117
400.000
28
0.270
58
2.700
88
71.066
118
400.000
29
0.281
59
3.054
89
79.502
119
400.000
120
1000.000
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Appendix II - 2012 IAM Period Table- Male, Age Nearest Birthday

Current through 2024-29, July 17, 2024
AGE
1000*qx2012
AGE
1000*qx2012
AGE
1000*qx2012
AGE
1000*qx2012
0
1.605
30
0.741
60
5.096
90
109.993
1
0.401
31
0.751
61
5.614
91
123.119
2
0.275
32
0.754
62
6.169
92
137.168
3
0.229
33
0.756
63
6.759
93
152.171
4
0.174
34
0.756
64
7.398
94
168.194
5
0.168
35
0.756
65
8.106
95
185.260
6
0.165
36
0.756
66
8.548
96
197.322
7
0.159
37
0.756
67
9.076
97
214.751
8
0.143
38
0.756
68
9.708
98
232.507
9
0.129
39
0.800
69
10.463
99
250.397
10
0.113
40
0.859
70
11.357
100
268.607
11
0.111
41
0.926
71
12.418
101
290.016
12
0.132
42
0.999
72
13.675
102
311.849
13
0.169
43
1.069
73
15.150
103
333.962
14
0.213
44
1.142
74
16.860
104
356.207
15
0.254
45
1.219
75
18.815
105
380.000
16
0.293
46
1.318
76
21.031
106
400.000
17
0.328
47
1.454
77
23.540
107
400.000
18
0.359
48
1.627
78
26.375
108
400.000
19
0.387
49
1.829
79
29.572
109
400.000
20
0.414
50
2.057
80
33.234
110
400.000
21
0.443
51
2.302
81
37.533
111
400.000
22
0.473
52
2.545
82
42.261
112
400.000
23
0.513
53
2.779
83
47.441
113
400.000
24
0.554
54
3.011
84
53.233
114
400.000
25
0.602
55
3.254
85
59.855
115
400.000
26
0.655
56
3.529
86
67.514
116
400.000
27
0.688
57
3.845
87
76.340
117
400.000
28
0.710
58
4.213
88
86.388
118
400.000
29
0.727
59
4.631
89
97.634
119
400.000
120
1000.000
Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 340 - MORTALITY TABLES FOR DETERMINING MINIMUM RESERVES AND NONFORFEITURE BENEFITS › Appendix III - Projection Scale G2- Female, Age Nearest Birthday

Current through 2024-29, July 17, 2024
AGE
G2x
AGE
G2x
AGE
G2x
AGE
G2x
0
0.010
30
0.010
60
0.013
90
0.006
1
0.010
31
0.010
61
0.013
91
0.006
2
0.010
32
0.010
62
0.013
92
0.005
3
0.010
33
0.010
63
0.013
93
0.005
4
0.010
34
0.010
64
0.013
94
0.004
5
0.010
35
0.010
65
0.013
95
0.004
6
0.010
36
0.010
66
0.013
96
0.004
7
0.010
37
0.010
67
0.013
97
0.003
8
0.010
38
0.010
68
0.013
98
0.003
9
0.010
39
0.010
69
0.013
99
0.002
10
0.010
40
0.010
70
0.013
100
0.002
11
0.010
41
0.010
71
0.013
101
0.002
12
0.010
42
0.010
72
0.013
102
0.001
13
0.010
43
0.010
73
0.013
103
0.001
14
0.010
44
0.010
74
0.013
104
0.000
15
0.010
45
0.010
75
0.013
105
0.000
16
0.010
46
0.010
76
0.013
106
0.000
17
0.010
47
0.010
77
0.013
107
0.000
18
0.010
48
0.010
78
0.013
108
0.000
19
0.010
49
0.010
79
0.013
109
0.000
20
0.010
50
0.010
80
0.013
110
0.000
21
0.010
51
0.010
81
0.012
111
0.000
22
0.010
52
0.011
82
0.012
112
0.000
23
0.010
53
0.011
83
0.011
113
0.000
24
0.010
54
0.011
84
0.010
114
0.000
25
0.010
55
0.012
85
0.010
115
0.000
26
0.010
56
0.012
86
0.009
116
0.000
27
0.010
57
0.012
87
0.008
117
0.000
28
0.010
58
0.012
88
0.007
118
0.000
29
0.010
59
0.013
89
0.007
119
0.000
120
0.000