reglab/statecodes huggingface dataset:
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 21 - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Regulation › Section 365:10-21-5 - Conditions

Current through Vol. 41, No. 20, July 1, 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 36 O.S. §
										1510(H)
				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.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 21 - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Regulation › Section 365:10-21-7 - Gender-Blended Tables

Current through Vol. 41, No. 20, July 1,
				2024
(a) For any
				ordinary life insurance policy delivered or issued for delivery in this state
				on and 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 of the
				regulation.
(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 Article 12 of the Oklahoma Insurance Laws for an insurer to issue
				the same kind of policy of life insurance on both a sex-distinct and
				sex-neutral basis.
Added at 20 Ok Reg 1734,
				  eff 7-14-03
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 21 - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Regulation › Section 365:10-21-8 - Separability

Current through Vol. 41, No. 20, July 1, 2024
If any provision of this regulation or its application to any
				  person or circumstance is for any reason held to be invalid, the remainder of
				  the regulation and the application of the provision to other persons or
				  circumstances shall not be affected.
Added at 20 Ok Reg 1734,
				  eff 7-14-03
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 21 - Recognition of the 2001 CSO Mortality Table for Use in Determining Minimum Reserve Liabilities and Nonforfeiture Benefits Regulation › Section 365:10-21-9 - Effective date

Current through Vol. 41, No. 20, July 1,
				2024
The effective date of this regulation is July 14,
				  2003.
Added at 20 Ok Reg 1734,
				  eff 7-14-03
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 23 - Discount Medical Plan Organizations › Section 365:10-23-1 - Forms

Current through Vol. 41, No. 20, July 1, 2024
(a) No discount medical plan organization
				form delivered for use in the State of Oklahoma shall contain any condition,
				stipulation or agreement requiring construction according to the laws of any
				other state or country. Any such condition, stipulation or agreement shall be
				void, but shall not affect any other form provisions.
(b) As allowed by Section
				1219.4(H)(2)
				of Title 36, the Insurance Department may review and disapprove a form for the
				following reasons:
(1) If the Insurance
				Department determines that the form does not comply with the applicable laws of
				this state; or
(2) If the form is
				unjust, unfair or inequitable to the discount medical plan organization
				member.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 23 - Discount Medical Plan Organizations › Section 365:10-23-2 - Inducements

Current through Vol. 41, No. 20, July 1, 2024
(a) No discount medical plan organization or
				any person affiliated with a discount medical plan organization shall, as an
				inducement to plan participation, provide in any plan for or offer, sell, buy
				or offer or promise to buy sell, give, promise or allow to the plan member or
				prospective plan member or to any other person in his behalf in any manner
				whatsoever:
(1) Any employment;
(2) Any shares of stock or other securities
				issued or at any time to be issued or any interest therein or rights
				thereto;
(3) Any advisory board
				contract or any similar contract, agreement or understanding, offering,
				providing for, or promising any special profits;
(4) Any prizes, goods, wares, merchandise, or
				tangible property of an aggregate value in excess of Twenty-Five Dollars
				($25.00); or
(5) Any special favor,
				advantage or other benefit in the payment, method of payment or credit for
				payment of the plan through the use of credit cards, credit card facilities,
				credit card lists, or wholesale or retail credit accounts of another
				person.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 23 - Discount Medical Plan Organizations › Section 365:10-23-3 - Audited Financial Statements

Current through Vol. 41, No. 20,
				July 1, 2024
Each application and renewal application for a discount
				  medical plan organization registration shall include an audited financial
				  statement. The audited financial statement shall have been prepared within
				  twelve (12) months of the application.
Added at 24 Ok Reg 2206,
				  eff 7-14-07
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 23 - Discount Medical Plan Organizations › Section 365:10-23-4 - Marketers of Discount Medical Plan Organizations

Current through
				Vol. 41, No. 20, July 1, 2024
Discount medical plan organizations shall submit a list of
				  its marketers to the Insurance Commissioner. The list shall be submitted within
				  (30) days following the close of each calendar quarter.
Added at 24 Ok Reg 2206,
				  eff 7-14-07
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 25 - Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 365:10-25-1 - Authority

Current through Vol. 41, No. 20, July 1, 2024
This regulation is promulgated by the Commissioner of
				  Insurance pursuant to Section
				  1510(A)(4)
				  of Title 36 of the Oklahoma Statutes and O.A.C.
				  365:10-17-4(a)
				  and (b).
Added at 24 Ok Reg 2207,
				  eff 7-14-07
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 25 - Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 365:10-25-2 - Purpose

Current through Vol. 41, No. 20, July 1, 2024
The purpose of this regulation is to recognize, permit and
				  prescribe the use of mortality tables that reflect differences in mortality
				  between preferred and standard lives in determining minimum reserve liabilities
				  in accordance with Section
				  1510(A)(4)
				  of Title 36 of the Oklahoma Statutes and O.A.C.
				  365:10-17-4(a)
				  and (b).
Added at 24 Ok Reg 2207,
				  eff 7-14-07
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 25 - Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 365:10-25-3 - Definitions

Current through Vol. 41, No. 20, July 1, 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 supplemented by
				the 2001 CSO Preferred Class Structure Mortality Table defined below in
				Subsection b. 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.
				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.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 25 - Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 365:10-25-4 - 2001 CSO Preferred Class Structure Table

Current through Vol.
				41, No. 20, July 1, 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 regulation, 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
				  July 14, 2003, and prior to January 1, 2007, these tables may be substituted
				  with the consent of the Commissioner and subject to the conditions of Rule
				  365:10-25-5. In
				  determining such consent, the Commissioner may rely on the consent of the
				  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 be treated as
				  part of the 2001 CSO Mortality Table only for purposes of reserve valuation
				  pursuant to the requirements of the NAIC model regulation, Recognition of the
				  2001 CSO Mortality Table For Use In Determining Minimum Reserve Liabilities And
				  Nonforfeiture Benefits Model Regulation.
Added at 24 Ok Reg 2207,
				  eff 7-14-07; Amended at 27 Ok Reg 315, eff 11-10-09 (emergency); Amended at 27
				  Ok Reg 1531, eff 7-14-10
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 25 - Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 365:10-25-5 - Conditions

Current through Vol. 41, No. 20, July 1, 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.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 25 - Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 365:10-25-6 - Separability

Current through Vol. 41, No. 20, July 1, 2024
If any provision of this regulation or its application to any
				  person or circumstance is for any reason held to be invalid, the remainder of
				  the regulation and the application of the provision to other persons or
				  circumstances shall not be affected.
Added at 24 Ok Reg 2207,
				  eff 7-14-07
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 25 - Regulation Permitting the Recognition of Preferred Mortality Tables for Use in Determining Minimum Reserve Liabilities › Section 365:10-25-7 - Effective Date

Current through Vol. 41, No. 20, July 1,
				2024
The effective date of this regulation is July 14,
				  2007.
Added at 24 Ok Reg 2207,
				  eff 7-14-07
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 27 - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Regulation › Section 365:10-27-1 - Authority

Current through Vol. 41, No. 20, July 1, 2024
This regulation is promulgated by the Insurance Commissioner
				  pursuant to Sections
				  1510(A)(4)(iii)
				  and
				  4029(H)(4)(h)(vi)
				  of Title 36 of the laws of this state.
Added at 26 Ok Reg 69,
				  eff 9-11-08 (emergency); Added at 26 Ok Reg 1529, eff
				  7-14-09
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 27 - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Regulation › Section 365:10-27-2 - Scope

Current through Vol. 41, No. 20, July 1, 2024
This regulation applies to preneed insurance, as defined in
				  Section
				  365:10-27-4 of this
				  regulation, and to similar policies and certificates. The Insurance
				  Commissioner shall have the authority to determine what constitutes similar
				  policies and certificates.
Added at 26 Ok Reg 69,
				  eff 9-11-08 (emergency); Added at 26 Ok Reg 1529, eff
				  7-14-09
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 27 - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Regulation › Section 365:10-27-3 - Purpose

Current through Vol. 41, No. 20, July 1, 2024
The purpose of this regulation 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) Mortality Table for use in determining the minimum standard of valuation
				  of reserves and the minimum standard nonforfeiture values for preneed insurance
				  products. Research completed by the Deloitte University of Connecticut
				  Actuarial Center and commissioned by the Society of Actuaries as a part of a
				  study of preneed mortality determined that the 2001 CSO Mortality Table,
				  currently recognized as the prevailing table for the purposes of calculating
				  reserves and nonforfeiture values both on a statutory basis and on a tax basis,
				  produced inadequate reserves for insurance policies issued in support of a
				  prearrangement agreement which provides goods and services at the time of an
				  insured's death.
Added at 26 Ok Reg 69,
				  eff 9-11-08 (emergency); Added at 26 Ok Reg 1529, eff
				  7-14-09
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 27 - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Regulation › Section 365:10-27-4 - Definitions

Current through Vol. 41, No. 20, July 1, 2024
The following words and terms when used in this Subchapter
				  shall have the following meaning unless the context clearly indicates
				  otherwise:
"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.
"Ultimate 1980 CSO"
means the Commissioners'
				  1980 Standard Ordinary 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.
"Preneed insurance"
means for purposes of this
				  regulation any insurance policy or certificate that is issued for the purpose
				  of funding contracts for prepaid funeral benefits pursuant to Section
				  6125.2
				  of Title 36 of the laws of this state and the Prepaid Funeral Benefits Act, 36
				  O.S. §
									6121,
				  et seq.
Added at 26 Ok Reg 69,
				  eff 9-11-08 (emergency); Added at 26 Ok Reg 1529, eff
				  7-14-09
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 27 - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Regulation › Section 365:10-27-5 - Minimum valuation mortality standards

Current through Vol. 41,
				No. 20, July 1, 2024
For preneed insurance and similar insurance policies and
				  certificates, the minimum mortality standard for determining reserve
				  liabilities and nonforfeiture values for both male and female insureds shall be
				  the Ultimate 1980 CSO.
Added at 26 Ok Reg 69,
				  eff 9-11-08 (emergency); Added at 26 Ok Reg 1529, eff
				  7-14-09
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 27 - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Regulation › Section 365:10-27-6 - Transition rules

Current through Vol. 41, No. 20, July 1,
				2024
(a) For preneed
				insurance policies issued on or after the effective date of this regulation and
				before January 1, 2012, the 2001 CSO Mortality Table may be used as the minimum
				standard for reserves and minimum standard for nonforfeiture benefits for both
				male and female insureds.
(b) If an
				insurer elects to use the 2001 CSO Mortality Table as a minimum standard for
				any policy issued on or after the effective date of this regulation 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 Mortality Table 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
				Mortality Table 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 regulation and using the 2001 CSO Mortality Table as
				a minimum standard for reserves.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 27 - Preneed Life Insurance Minimum Standards for Determining Reserve Liabilities and Nonforfeiture Values Regulation › Section 365:10-27-7 - Effective date [EXPIRED]

Current through Vol. 41, No. 20, July
				1, 2024
Added at 26 Ok Reg 69,
				  eff 9-11-08 through 7-14-09
				  (emergency)1
1This emergency action expired
				  without being superseded by a permanent action. Upon expiration of an emergency
				  action enacting a new Section, the Section is no longer effective. Therefore,
				  on 7-15-09 (after the 7-14-09 expiration of the emergency action), Section
				  365:10-27-7 was no longer effective. For the official text of the emergency
				  rule that was in effect from 9-11-08 through 7-14-09, see 26 Ok Reg
				  69.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-1 - Purpose

Current through Vol. 41, No. 20, July 1, 2024
The purpose of this subchapter is to set forth rules
				  regarding external review regulations as authorized by the Uniform Health
				  Carrier External Review Act ("the Act"), 36 O.S. §
									6475.1 et
				  seq. The general purposes of the Act and this Subchapter are to provide uniform
				  standards for the establishment and maintenance of external review procedures
				  to assure that covered persons have the opportunity for an independent review
				  of an adverse determination or final adverse determination, as defined in the
				  Act.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-2 - Applicability and scope

Current through Vol. 41, No. 20, July 1,
				2024
This Subchapter shall apply to all health carriers, except as
				  excluded from the Act by 36 O.S. §
									6475.4(B).
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-3 - Definitions

Current through Vol. 41, No. 20, July 1, 2024
For the purpose of this Subchapter, all terms shall have the
				  meanings set forth in 36 O.S. §
									6475.3.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-4 - Notice of right to an external review and external review procedures

Current through Vol. 41, No. 20, July 1, 2024
A health carrier providing notification of the right of a
				  covered person to request an external review pursuant to 36 O.S. §
									6475.5(A)
				  shall either provide the notice contained in Appendix PP or provide a notice no
				  longer than two pages which includes substantially similar language in a font
				  size no smaller than 10 point.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-5 - Authorization to disclose protected health information

Current
				through Vol. 41, No. 20, July 1, 2024
A health carrier providing an authorization form to a covered
				  person regarding the disclosure of protected health information pursuant to 36
				  O.S. §
									6475.5(B)(3)
				  shall either provide the form as set out in the Oklahoma State Department of
				  Health Standard Authorization, ODH 206, which may be accessed at
				  http://www.ok.gov/health/Organization/HIPAA Privacy Rules/Oklahoma Standard
				  Authorization on forms.html, or, in the alternative, a form that complies with
				  45 CFR
				  §
										164.508 and 43 A O.S. §
				  1-109.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-6 - External review requests

Current through Vol. 41, No. 20, July
				1, 2024
A covered person or authorized representative requesting an
				  external review pursuant to 36 O.S. §
									6475.6
				  shall do so by submission of the External Review Request Form as set out in
				  Appendix QQ.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-7 - Notice of initial determination

Current through Vol. 41, No. 20,
				July 1, 2024
A notice of initial determination issued pursuant to Section
				  6475.8(C),
				  6475.9(B),
				  6475.10(A),
				  or
				  6475.10(C)
				  of Title 36 shall, in addition to providing notice of a right to appeal
				  external review ineligibility to the Commissioner, provide that appeals shall
				  be made in writing to the Oklahoma Insurance Department, Five Corporate Plaza,
				  3625 NW 56th Street, Suite 100, Oklahoma City, OK,
				  73112-4511.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-8 - Independent review organization application

Current through Vol.
				41, No. 20, July 1, 2024
An independent review organization seeking approval to
				  conduct external reviews pursuant to 36 O.S. §
									6475.12(D)
				  shall submit the application in Appendix RR as instructed, including all
				  materials required by the application. Approval by this application will be
				  effective until December 31 of the calendar year following the year of receipt
				  for all new applications, and for two years following the expiration of the
				  current approval for all renewals.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-9 - Independent review organization recordkeeping and reporting requirements

Current through Vol. 41, No. 20, July 1, 2024
Each independent review organization approved to conduct
				  external reviews pursuant to 36 O.S. §
									6475.12(D)
				  shall maintain written records for the information required by 36 O.S. §
									6475.15(A)(3)
				  and Appendix SS, and shall submit Appendix SS within 31 calendar days of the
				  end of each calendar year.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 29 - External Review Regulations › Section 365:10-29-10 - Health carrier recordkeeping and reporting requirements

Current through Vol. 41, No. 20, July 1, 2024
Each health carrier subject to the Act shall maintain written
				  records for the information required by 36 O.S. §
									6475.15(B)(3)
				  and Appendix TT, and each health carrier that has received at least one
				  external review request during the calendar year shall submit Appendix TT
				  within 31 calendar days of the end of each calendar year.
Added at 29 Ok Reg 16,
				  eff 9-12-11 (emergency); Added at 29 Ok Reg 1254, eff
				  7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 31 - Navigators and Navigator Entities › Section 365:10-31-1 - Purpose

Current through Vol. 41, No. 20, July 1, 2024
The purpose of this Subchapter is to set forth the
				  regulations and procedures relating to the registration and oversight of
				  navigators and navigator entities under 36 O.S. §§ 1415.2-1415.5
				  .
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 31 - Navigators and Navigator Entities › Section 365:10-31-2 - Scope

Current through Vol. 41, No. 20, July 1, 2024
This Subchapter shall apply to all navigators and navigator
				  entities, as defined by 36 O.S. §
									1415.2,
				  which must be registered pursuant to 36 O.S. §
									1415.3.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 31 - Navigators and Navigator Entities › Section 365:10-31-3 - Authority

Current through Vol. 41, No. 20, July 1, 2024
This Subchapter is promulgated under the authority granted to
				  the Insurance Commissioner ("Commissioner") in 36 O.S. §
									1415.5.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 31 - Navigators and Navigator Entities › Section 365:10-31-4 - Individual navigator registration application, registration renewals, fees, and civil penalties

Current through Vol. 41, No. 20, July 1,
				2024
(a) An application
				for an individual navigator registration shall be on a form provided by the
				Commissioner and shall be accompanied by a fee of Twenty-Five Dollars ($25.00).
				This fee shall be deemed earned and not refundable if the application is
				denied, withdrawn, cancelled, or refused for any reason by either the applicant
				or the Commissioner. Subject to the Oklahoma Insurance Department's ("OID")
				ability to accept electronic applications, all applicants for an individual
				navigator registration shall apply electronically. The individual navigator
				registration fee may be paid by the individual navigator or by the navigator
				entity employing or supervising the navigator.
(b) An applicant for an initial individual
				navigator registration shall submit to a criminal background check with the
				Oklahoma State Bureau of Investigation ("OSBI"). The criminal background check
				shall be conducted through submission of a Criminal History Record Information
				Request Form ("Form") to the OSBI. The Form can be found on the OSBI website.
				An individual navigator registration applicant shall submit to the following
				searches with the OSBI: name based, sex offender, and Mary Rippy Violent
				Offender. The individual navigator registration applicant shall submit a
				completed OSBI criminal background check report to the OID at the time of
				application.
(1) An individual navigator
				registration applicant who is not a resident of the State of Oklahoma shall
				submit with his or her initial application the results of a criminal background
				check conducted by the state in which the applicant maintains his or her
				principal place of residence.
(2)
				The background check required by this Section may be requested and paid for by
				the individual navigator or by the navigator entity employing or supervising
				the navigator.
(3) The background
				check required by this Section shall be current as of a date no more than
				thirty (30) days prior to the date of application.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Subchapter 31 - Navigators and Navigator Entities › Section 365:10-31-6 - Individual navigator requirements

Current through Vol. 41, No.
				20, July 1, 2024
(a) For
				the purpose of this Subchapter, the term "assist" shall mean:
(1) facilitating the application for or
				enrollment of an individual or employer group in a qualified health plan (QHP)
				on the exchange, either though an in-person meeting, telephone conversation,
				video conference, mail, or any other electronic means, regardless of whether
				the individual or employer group completes final enrollment in a QHP, or
(2) assisting in determining an
				individual's eligibility for premium tax credits and cost sharing reductions
				available for QHPs, including but not limited to receiving an individual's
				financial information for the purpose of determining said eligibility.
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix C - Rescission Reporting Formfor Long-termcare Policies

Current
			 through Vol. 41, No. 20, July 1, 2024
Click to view
				image
Revoked and reenacted at
				10 Ok Reg 397, eff 11-12-92 (emergency) ; Revoked and reenacted at 10 Ok Reg
				3033, eff 7-15-93
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix E - Presumptively Reasonable Accident and Health Rates

Current through
			 Vol. 41, No. 20, July 1, 2024
Figure
				1
Added at 10 Ok Reg 3049,
				eff 10-1-93; Revoked and reenacted at 13 Ok Reg 135, eff 11-1-95 (emergency) ;
				Revoked and reenacted at 13 Ok Reg 2669, eff
				7-1-96
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix F - Credit Insurance Deviation Request Form

Current through Vol.
			 41, No. 20, July 1, 2024
Click to view
				image
Click to view
				image
Click to view
				image
Click to view
				image
Click to view
				image
Added at 10 Ok Reg 3049,
				eff 10-1-93
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix H - Inventory Credit Life and Disability Presumptive Rates

Current through
			 Vol. 41, No. 20, July 1, 2024
Click to view
				image
Click to view
				image
Added at 10 Ok Reg 3049,
				eff 10-1-93
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix Q - Medicare Supplement

Current through Vol. 41, No. 20, July 1,
			 2024
Figure
				1
Added at 9 Ok Reg 549, eff
				12-13-91 (emergency) ; Added at 9 Ok Reg 2499, eff 6-26-92; Amended at 9 Ok Reg
				3899, eff 8-24-92 (emergency) ; Amended at 10 Ok Reg 1475, eff 5-1-93; Revoked
				and reenacted at 20 Ok Reg 1667, eff 7-14-03; Revoked and reenacted at 22 Ok
				Reg 1954, eff 7-14-05
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix R - Form for Reporting Medicare Supplement Policies

Current
			 through Vol. 41, No. 20, July 1, 2024
Figure
				1
Added at 9 Ok Reg 549, eff
				12-13-91 (emergency) ; Added at 9 Ok Reg 2499, eff 6-26-92; Amended at 9 Ok Reg
				3899, eff 8-24-92 (emergency) ; Amended at 10 Ok Reg 1475, eff
				5-1-93
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix T - Notice to Applicant Regarding Replacement of Medicare Supplement Insurance or Medicare Advantage

Current through Vol. 41, No. 20, July 1,
			 2024
Figure
				1
Added at 9 Ok Reg 2499,
				eff 6-26-92; Revoked and reenacted at 14 Ok Reg 2292, eff 7-1-97; Revoked and
				reenacted at 22 Ok Reg 1954, eff 7-14-05
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix U - Portability Form

Current through Vol. 41, No. 20, July 1,
			 2024
Figure
				1
Added at 9 Ok Reg 2499,
				eff 6-26-92; Added at 11 Ok Reg 1835, eff 5-15-94; Revoked and reenacted at 22
				Ok Reg 1954, eff 7-14-05
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix V - Disclosure Statements

Current through Vol. 41, No. 20, July 1,
			 2024
Figure
				1
Added at 15 Ok Reg 3569,
				eff 5-29-98 (emergency) ; Added at 16 Ok Reg 1088, eff 4-26-99; Revoked and
				reenacted at 20 Ok Reg 1667, eff 7-14-03
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix W - Long Term Care Insurance Personal Worksheet

Current through
			 Vol. 41, No. 20, July 1, 2024
Figure
				1
Added at 13 Ok Reg 3281,
				eff 8-1-96; Revoked and reenacted at 15 Ok Reg 3207, eff 7-13-98; Revoked and
				reenacted at 18 Ok Reg 1277, eff 7-14-01
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix Z - Asset Adequacy Test Amounts - Reserves and Liabilities

Current through Vol. 41, No. 20, July 1, 2024
Figure
				1
Added at 15 Ok Reg 435,
				eff 10-9-97 (emergency) ; Added at 15 Ok Reg 1384, eff 7-1-98; Revoked and
				reenacted at 23 Ok Reg 2672, eff 7-14-06
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix BB - Select Mortality Factors

Current through Vol. 41, No. 20,
			 July 1, 2024
Figure
				1
Added at 17 Ok Reg 726,
				eff 1-3-00 (emergency) ; Added at 17 Ok Reg 1659, eff
				7-14-00
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix CC - Long-Term Care Insurance Claims Denial Reporting Form

Current through
			 Vol. 41, No. 20, July 1, 2024
Figure
				1
Added at 18 Ok Reg 1277,
				eff 7-14-01; Revoked and reenacted at 27 Ok Reg 1531, eff
				7-14-10
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix DD - Long Term Care Insurance Potential Rate Increase Disclosure Form

Current through Vol. 41, No. 20, July 1, 2024
Figure
				1
Added at 18 Ok Reg 1277,
				eff 7-14-01; Revoked and reenacted at 19 Ok Reg 1294, eff
				7-14-02
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix EE - Triggers for a Substantial Premium Increase

Current through Vol. 41,
			 No. 20, July 1, 2024
Figure
				1
Added at 18 Ok Reg 1277,
				eff 7-14-01; Revoked and reenacted at 26 Ok Reg 1529, eff
				7-14-09
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix GG - Information Provided Pursuant to Section 365:10-5-176(F)(1)(C)(Ii) of the Actuarial Opinion and Memorandum Regulation

Current through Vol. 41, No.
			 20, July 1, 2024
Figure
				1
Added at 23 Ok Reg 2672,
				eff 7-14-06
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix LL - Notice to Applicant Regarding Replacement of Individual Accident and Sickness or Long-Term Care Insurance for Solicitations Other than Direct Response

Current through Vol. 41, No. 20, July 1,
			 2024
Figure
				1
Added at 26 Ok Reg 1529,
				eff 7-14-09
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix MM - Notice to Applicant Regarding Replacement of Accident and Sickness or Long-Term Care Insurance for Direct Response Solicitations

Current
			 through Vol. 41, No. 20, July 1, 2024
Figure
				1
Added at 26 Ok Reg 1529,
				eff 7-14-09
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix PP - Notice of Appeal Rights

Current through Vol. 41, No. 20, July
			 1, 2024
Click to view
				image
Added at 29 Ok Reg 16, eff
				9-12-11 (emergency) ; Added at 29 Ok Reg 1254, eff
				7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix QQ - External Review Request Form

Current through Vol. 41, No. 20, July 1,
			 2024
Click to view
				image
Click to view
				image
Click to view
				image
Click to view
				image
Click to view
				image
Click to view
				image
Click to view
				image
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				image
Click to view
				image
Added at 29 Ok Reg 16, eff
				9-12-11 (emergency) ; Added at 29 Ok Reg 1254, eff
				7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix RR - Application for Registration As an Independent Review Organization

Current through Vol. 41, No. 20, July 1, 2024
Click to view
				image
Click to view
				image
Click to view
				image
Added at 29 Ok Reg 16, eff
				9-12-11 (emergency) ; Added at 29 Ok Reg 1254, eff
				7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix SS - Independent Revieworganization External Reviewannual Report Form

Current through Vol. 41, No. 20, July 1, 2024
Click to view
				image
Click to view
				image
Added at 29 Ok Reg 16, eff
				9-12-11 (emergency) ; Added at 29 Ok Reg 1254, eff
				7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix TT - Health Carrier External Reviewannual Report Form

Current
			 through Vol. 41, No. 20, July 1, 2024
Click to view
				image
Added at 29 Ok Reg 16, eff
				9-12-11 (emergency) ; Added at 29 Ok Reg 1254, eff
				7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix UU - Policy Holder's Authorization to Release Insurance Policy information to agent of record [REVOKED]

Current through Vol. 41, No. 20, July
			 1, 2024
Click To View
				Image
Click To View
				Image
Added at 29 Ok Reg 16, eff
				9-12-11 (emergency) ; Added at 29 Ok Reg 1254, eff
				7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix VV - Uniform Health Questionnaire

Current through Vol. 41, No. 20, July 1,
			 2024
Figure
				1
Added at 29 Ok Reg 16, eff
				9-12-11 (emergency) ; Added at 29 Ok Reg 1254, eff
				7-14-12
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix WW - 2012 I am Period Table, Female, Age Nearest Birthday

Current through
			 Vol. 41, No. 20, July 1, 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
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix XX - 2012 I am Period Table, Male, Age Nearest Birthday

Current through Vol.
			 41, No. 20, July 1, 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
Oklahoma Administrative Code › Title 365 - Insurance Department › Chapter 10 - Life, Accident and Health › Appendix YY - Projection Scale G2, Female, Age Nearest Birthday

Current through Vol. 41,
			 No. 20, July 1, 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