N.Y. Comp. Codes R. & Regs. tit. 11, Appendices, app 21

Current through Register Vol. 46, No. 45, November 2, 2024

Appendix 21

(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

N.Y. Comp. Codes R. & Regs. tit. 11, Appendices, app 21