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

Current through Register Vol. 46, No. 28, July 10, 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