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

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