T
SELF ADMINISTERED
AUTOMATIC YEARLY RENEWABLE TERM
REINSURANCE AGREEMENT
CEDING COMPANY: USAA LIFE INSURANCE COMPANY OF SAN ANTONIO, TEXAS
(hereinafter referred to as the Ceding Company)
REINSURER: CONTINENTAL ASSURANCE COMPANY OF CHICAGO, ILLINOIS
(hereinafter referred to as the Reinsurer)
ACCEPTED COVERAGES: As defined in the Accepted Coverages Schedule
EFFECTIVE DATE: June 1, 1998
Commencing on the Effective Date, the Ceding Company may submit any of its
excess insurance risks under Accepted Coverages subject to the provisions of
this Agreement.
This Agreement consists of the following sections:
SECTION I AUTOMATIC REINSURANCE
SECTION II BASIS OF REINSURANCE AND PREMIUMS
SECTION III STANDARD PROVISIONS
SECTION IV SPECIAL PROVISIONS
SECTION V SCHEDULES
These sections or parts of these sections may be changed or modified only upon
written agreement between the Ceding Company and the Reinsurer.
SECTION IA
AUTOMATIC REINSURANCE
A. The Reinsurer will automatically accept reinsurance on a risk subject to
the following conditions:
1. The Ceding Company has kept amounts equal to the retention limits shown
in the Retention Limits Schedule.
2. The risk has been classified in a mortality class according to the
normal underwriting rules of the Ceding Company, as reviewed and
approved in writing by the Reinsurer.
3. The Reinsurer will automatically accept its proportionate share for
policies on which the Ceding Company did not keep the full retention
shown in the Retention Limits Schedule.
4. For the Accepted Coverage, the Ceding Company will not change its
existing underwriting, issuance or reinsurance practices in effect on
or after the effective date, unless the Ceding Company notifies the
Reinsurer in writing and the Reinsurer approves in writing of such
change(s).
5. The amount to be reinsured under this agreement does not exceed the
automatic acceptance limits shown in the Automatic Acceptance Limits
Schedule.
6. The total amount applied for and in force in all companies on the risk
to be reinsured does not exceed $25,000,000 for life insurance.
7. The issue age of the life insured does not exceed 80.
8. The risk has not been submitted to the Reinsurer or any other Reinsurer
for facultative underwriting.
9. The substandard mortality rating assessed to the risk does not exceed
Table 16 or its equivalent on an extra-premium basis.
10. The insurance is not the result of a group conversion, other
conversion, exchange or reissue where full evidence of insurability has
not been obtained.
11. The amount of any life insurance to be reinsured is not less than
$1,000.
12. The applicant is a permanent resident of the U.S. or Canada.
13. The applicant is not a member of a professional sports team.
B. The Ceding Company shall notify the Reinsurer within 30 days after the
original insurance is placed on forms approved by the Reinsurer.
SECTION IA
(CONTINUED)
CONDITIONAL RECEIPT LIABILITY
-----------------------------
All conditional receipt forms on applications used on the Accepted Coverages
must be approved in writing by the Reinsurer prior to any reinsurance being
accepted under this agreement. If the Ceding Company is liable for a death claim
under a conditional receipt upon a life insurance application, the Reinsurer
must have previously given written approval of that Conditional Receipt. Such
approval shall be included in the Conditional Receipt Approval Schedule, (F).
The limit of the Reinsurer's liability under the Conditional Receipt will be the
lesser of:
1. The Ceding, Company's limit of liability as specified in the Conditional
Receipt Schedule, (F-l), or
2. $1,000,000.
This amount shall be reduced by the sum of the amount of insurance which the
Ceding Company would retain on the life according to its retention limits as
stipulated in the Retention Limits Schedule, (A), and the amount of insurance
that the Ceding Company would reinsure with other companies, if any, on a
portion of such risk. In the event that there are multiple reinsurers, the
Reinsurers position shall be determined on the same basis as in determining the
portion of the reinsurance the Reinsurer will be receiving.
1. The Reinsurer must have previously given written approval of that
conditional receipt. Such approval shall be included in Schedule F
2. The Reinsurer must have automatically accepted the risk on a policy issued
from the life insurance application.
SECTION IB
FACULTATIVE REINSURANCE
A. The Ceding Company may submit accepted coverages facultativly on risks that
exceed the Automatic Acceptance Limits in Schedule B, or as part of a
facultative program under which the Ceding Company may keep a zero
retention. Continental may decline to quote on specific facultative risks.
B. In order to apply for facultative reinsurance the Ceding Company shall mail
to the Reinsurer an application for reinsurance, copies of the original
application, all medical examination, microscopical reports, inspection
reports and all other information which the Ceding Company has pertaining to
the insurability of the risk. Any other information subsequently available
to the Ceding Company which is pertinent to the question of assuming the
risk shall be transmitted promptly to the Reinsurer. The Reinsurer will have
the option of declining or making an offer on any application for
facultative reinsurance.
C. Facultative submissions that are submitted to more than one reinsurer
will be ceded to the reinsurer making the best offer. In situations where
identical offers are received, the risk will be ceded proportionately to
each reinsurer.
D. The Reinsurer shall have no liability on a facultative submission by the
Ceding Company until an unconditional offer to reinsure has been made in
writing by the Reinsurer and accepted in writing by the Ceding Company. The
Reinsurer's unconditional offer will expire at the end of ninety (90) days
from the date of the unconditional offer, unless an earlier date is
specified in the offer.
E. The Ceding Company will submit to the Reinsurer any additional information
requested on all pending applications within ninety (90) days from the
Reinsurer's request or the Reinsurer will close its file on the case.
F. The Reinsurer will not incur any liability under any Conditional Receipt
issued by the Ceding Company for a risk submitted to the Reinsurer on a
facultative basis.
SECTION II
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BASIS OF REINSURANCE AND PREMIUMS
A. Life insurance will be reinsured on the Yearly Renewable Term Plan (YRT)
for the net amount at risk. The amount at risk reinsured with the Reinsurer
shall not at any point exceed the initial amount ceded to the Reinsurer.
The net amount at risk each year will be determined as follows:
1) For Universal Life policies the reinsured net amount at risk shall be
calculated by the Ceding Company using their normal calculations and the
reinsurance amount adjusted quarterly. This reinsured amount will be in
proportion to the Ceding Company's net amount at risk, less retention, if
applicable.
2) For other life policies, the reinsured net amount at risk is the face
amount reinsured less the interpolated cash value at the end of the year.
During the first 10 years, interpolated cash values will be determined by
a straight line interpolation between zero and the actual l0th year cash
value. During the second 10 years, interpolated cash values will be
determined by a straight line interpolation between the actual 10th year
and the actual 20th year cash values. Interpolated cash values in each
succeeding 10-year period will be calculated in a consistent manner.
3) Cash values for term plans with a coverage period of 20 years or less
are considered nil.
B. Reinsurance premiums are to be paid annually in advance and will be
determined as follows:
1) For Life insurance on a risk classified as standard, the premium rates
in the Premium Rates Schedule shall apply.
2) For Life insurance on a risk classified as multiple table substandard,
the appropriate rates from the Premium Rates Schedules will be increased
by the appropriate multiples as defined in the Premium Rates Schedules.
3) For Life insurance issued with flat extra premiums, of five years or
less, the premiums determined in accordance with Paragraphs (1) or (2) of
this provision will be increased in all policy years or until premiums
cease or rating removed by 90% of the extra premiums applicable to the
initial amount reinsured.
4) For Life insurance issued with flat extra premiums of more than five
years, the premiums will be increased in the initial policy years by 10%
of the extra premiums and in all subsequent years by 90% of the extra
premiums.
5) The reinsurance premium rates for Disability Waiver of Premium Benefits
risk will be 25% of the annual rate charged for the benefits in the
original policies for the first year, and 85% of this annual rate for
renewal years.
SECTION II
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(CONTINUED)
BASIS OF REINSURANCE AND PREMIUMS
B. 6) The reinsured disability waiver of premium benefit shall be the
policyholder's waived gross premium which corresponds to the Reinsurer's
portion of the life insurance risk. The Ceding Company remains obligated
to pay reinsurance premiums to the Reinsurer while the insured life is
disabled.
7) The reinsurance premium rates for insurance benefits issued as a result
of a continuation, as defined in Section III. D, are shown in the Premium
Rates Schedules. The premium rates are to be entered based on the age at
issue and duration since issue of the original insurance. Portions of a
year will be considered one full duration.
C. The rates in the YRT Premium Rates Schedule are guaranteed for one year from
the effective date of the treaty.
D. PAYMENT OF REINSURANCE PREMIUMS
1) Within 45 days following the close of the calendar month, the Ceding
Company will forward to the Reinsurer a statement of premium due. The
statement will show the premiums due on any new reinsurance effected
during the month, renewal premiums and any adjustments due to changes or
termination, in accordance with the reporting requirements.
2) The Ceding Company will remit a check for the balance indicated to the
Reinsurer along with the statement of premium due or will submit a
request for payment of any net amount due the Ceding Company.
3) If any reinsurance premium is not paid within the allotted time, the
Reinsurer may terminate the Reinsurance on all new and existing inforce
by giving the Ceding Company written notice. The Ceding Company will be
liable for the payment of reinsurance premium to the effective date of
termination plus the termination charge specified in Section III, K.
Failure by the Reinsurer to exercise its right under this paragraph in
any specific situation will not be a waiver of the Reinsurer's right to
do so at a later date.
The Reinsurer may, at its option, reinstate the reinsurance at any time
within sixty (60) days following such termination if the Ceding Company
makes payment, with interest, of all reinsurance premiums due and payable
up to the date of reinstatement and provides full disclosure of all
claims incurred between dates of termination and reinstatement. Interest
shall be calculated using the 7 year Constant Maturity Treasury rate
reported for the last working date of that calendar month in the Federal
Reserve H15 Report. The Reinsurer shall be liable for reinsurance on only
those claims incurred by the Ceding Company between the dates of
termination and reinstatement that the Ceding Company disclosed. All such
claims shall be subject to the claims provisions specified in Section III
SECTION II
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(CONTINUED)
D. PAYMENT OF REINSURANCE PREMIUMS
4) Balances remaining unpaid for more than 45 days from the date due will
incur interest calculated from that date using the 7 year Constant
Maturity Treasury rate reported for the last working day of that calendar
month in the Federal Reserve H15 Report.
5) The Ceding Company and the Reinsurer may exercise at any time, the
right to offset any undisputed debts or credits, liquidated or
unliquidated, whether on account of premiums or on account losses or
otherwise, due from either party to the other under this agreement or
under any other Reinsurance Agreement with the Reinsurer.
E. QUARTERLY RESERVE AND VALUATION INFORMATION
The Ceding Company shall submit information for valuation and reserve
calculation by the 20th of the month following the close of each calendar
quarter.
F. BULK REPORTING REQUIREMENTS
The Ceding Company will not change its existing self administered reporting
practices in effect on or after the effective date, unless the Ceding
Company notifies the Reinsurer in writing.
SECTION III
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STANDARD PROVISIONS
A. ERRORS AND OMISSIONS
This Agreement shall not be abrogated by the failure of either the Ceding
Company or the Reinsurer to comply with any of the terms of this Agreement
if it is shown that said failure was unintentional and the result of a
misunderstanding, oversight or clerical error on the part of either the
Ceding Company or the Reinsurer. Both parties shall be returned to the
position they would have occupied had no such oversight, misunderstanding or
clerical error occurred. This provision shall not apply if the Ceding
Company fails to notify the Reinsurer in writing of its unconditional
acceptance of an offer for reinsurance made by the Reinsurer upon receipt of
a facultative application from the Ceding Company. This provision shall
cease five years after the termination of the last policy known to be
reinsured under this agreement.
B. TERMINATIONS OF AND CHANGES TO INSURANCE RISKS
1) If the Ceding Company retains a portion of the risk on the policy
(ies) reinsured under this agreement and any portion of the Ceding
Company's insurance risk on the life of the insured terminates or
reduces, whether or not covered by this agreement, the reinsurance will
be reduced in proportion to the original policy.
2) The Ceding Company will notify the Reinsurer of all policy terminations,
deaths and changes that affect the reinsurance as they occur. Unearned
reinsurance premiums will be refunded except that cession fees as defined
in the Premium Rates Schedule are not refundable on any off anniversary
termination.
3) If the reinsured net amount at risk on any policy falls below $1,000 the
cession will be terminated.
C. REINSTATEMENTS
1) If an insurance policy on a life on which reinsurance has been accepted
facultatively by the Reinsurer lapses for nonpayment of premiums, copies
of the application for reinstatement and any other relevant papers shall
be referred to the Reinsurer for its underwriting evaluation prior to
actual reinstatement by the Ceding Company. The Reinsurer will notify the
Ceding Company in writing of its underwriting decision on all such
reinstatement requests. A reinstatement notice shall be mailed to the
Reinsurer as soon as possible after reinsurance is effected.
2) In connection with all reinstatements, the Ceding Company shall pay to
the Reinsurer all reinsurance premiums in arrears.
SECTION III
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(CONTINUED)
D. CONTINUATIONS
Continuation of a policy reinsured under this agreement shall remain
reinsured with the Reinsurer under this agreement or another agreement
between the Ceding Company and the Reinsurer.
For the purpose of this agreement, continuations shall be defined as an
exchange, conversion or reissue of any policy that was originally reinsured
with the Reinsurer.
E. FORMS
The Ceding Company shall furnish the Reinsurer with any specimen copies of
its applications, policy forms, rider forms and any tables of rates and
values which may be required for the proper administration of the business
reinsured under this agreement, and shall keep the Reinsurer informed with
documentation as to any modifications or new forms under which reinsurance
may be desired.
F. CLAIMS
1) The Ceding Company will notify the Reinsurer of each claim promptly
after first receipt of such information. The Reinsurer shall be consulted
before admission or acknowledgment of claim liability is made by the
Ceding Company if:
a) The claim is in the contestable period, or
b) The amount retained by the Ceding Company is less than the total
amount reinsured in all companies.
2) The Ceding Company will promptly notify the Reinsurer of its intention
to contest insurance reinsured under this agreement or to assert defenses
to a claim for such insurance. If the Reinsurer agrees to participate in
the contest or assertion of defenses and the Ceding Company's contest of
such insurance results in the reduction of its liability, the Reinsurer
will share in such reduction in proportion to the Reinsurer's liability,
the Reinsurer will pay its share of the unusual expenses of the contest
in addition to its share of the claim itself. Routine expenses incurred
in the normal settlement of uncontested claims, including interpleader
cases, and the salary of an officer or employee of the Ceding Company are
excluded from this provision. If the Reinsurer declines to participate
in the contest or assertion of defenses, the Reinsurer will discharge all
of its liability by payment of the full amount of the reinsurance to the
Ceding Company.
3) Copies of the proofs of claim obtained by the Ceding Company, together
with the amount payable or paid on such claim, will be furnished to the
Reinsurer as soon as possible.
SECTION III
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(CONTINUED)
F. CLAIMS
4) The Reinsurer will be liable to the Ceding Company for the benefits
reinsured hereunder to the same extent as the Ceding Company is liable to
the Insured for such benefits, and all reinsurance will be subject to the
terms and conditions of the policy under which the Ceding Company will be
liable.
5) For life and accidental death claims, the Reinsurer will pay its share
in a lump sum to the Ceding Company without regard to the form of claim
settlement of the Ceding Company. For a waiver of premium disability
claim, the Reinsurer will pay its share of each gross premium as the
premiums are waived by the Ceding Company.
6) The Reinsurer agrees to pay to the Ceding Company a proportionate share
of any interest paid out to the claimant by the Ceding Company. The
Reinsurer's liability to pay interest will be discharged on the date that
the Reinsurer issues payment to the Ceding Company.
7) Claims remaining unpaid for more then 30 days after the receipt of final
papers will incur interest calculated from that date using the 7 year
Constant Maturity Treasury Rate reported for the last working date of
that month in the Federal Reserve H15 Report.
8) The Reinsurer reserves the right to withhold any claim payments in
accordance to Section II, D-5.
9) In the event the amount of insurance provided by a policy or policies
reinsured hereunder is increased or reduced because of a misstatement of
age or sex established after the death of the insured, the Reinsurer will
share in the increase, up to The Reinsurer's maximum limit, or reduction
in the proportion that the net liability of the Reinsurer bore to the sum
of the retained net liability of the Ceding Company and the net liability
of other reinsurers immediately prior to such increase or reduction. The
reinsurance with the Reinsurer shall be rewritten from commencement on
the basis of the adjusted amounts using premiums and reserves at the
correct age, and sex. The adjustment for the difference in premiums shall
be made without interest.
10) In no event will the Reinsurer participate in punitive or compensatory
damages which are awarded against the Ceding Company as a result of an
act, omission or course of conduct committed solely by the Ceding Company
in connection with the insurance reinsured under this Agreement, the
Reinsurer will, however, pay its share of statutory penalties awarded
against the Ceding Company in connection with insurance reinsured under
this Agreement if the Reinsurer elected to join in the contest of the
coverage in question.
SECTION III
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(CONTINUED)
F. CLAIMS
11) The parties recognize that circumstances may arise in which equity
would require the Reinsurer, to the extent permitted by law, to share
proportionately in certain assessed damages. Such circumstances are
difficult to define in advance, but generally would be those situations
in which the Reinsurer was an active party and directed, consented to, or
ratified the act, omission, or course of conduct of the Ceding Company
which ultimately results in the assessment of punitive and/or
compensatory damages. In such situations, the Ceding Company and the
Reinsurer would share such damages so assessed in equitable proportions.
Routine expenses incurred in the normal settlement of uncontested claims,
in the submission of interpleaders and the salary of an officer or
employee of the Ceding Company are excluded from this provision.
For purposes of this provision, the following definitions shall apply:
"Punitive Damages" are those damages awarded as a penalty, the amount of
which is not governed nor fixed by statute;
"Statutory Penalties" are those amounts which are awarded as a penalty,
but fixed in amount by statute;
"Compensatory Damages" are those amounts awarded to compensate for the
actual damages sustained, and are not awarded as penalty, nor fixed in
amount of statute.
G. RECAPTURE PRIVILEGE
If the Ceding Company increases its retention limits, the Ceding Company may
reduce the reinsurance in accordance with the following provisions:
1) The Ceding Company kept its full retention in accordance with the
retention limits in effect when the original insurance was issued. (Refer
to the Retention Limits Schedule).
2) The Life and Waiver of Premium Benefits in the policy must have been
reinsured with the Reinsurer for a period of ten (10) years.
3) The reduction in the reinsurance of Accidental Death Benefits will be
effective on the first policy anniversary following the notice of
election to recapture.
4) The amounts recaptured from all reinsurers will be sufficient to increase
the Ceding Company's retention on the risk to the new limits.
SECTION III
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(CONTINUED)
G. RECAPTURE PRIVILEGE
5) If there are other reinsurers, the reduction on the Reinsurer's risk
will be determined according to the Reinsurer's portion of the total
reinsurance on the risk.
6) If the reinsurance is reduced on any risk, similar reductions will be
made on all risks eligible for recapture. This includes policies
currently on waiver of premium claim.
H. INSPECTION OF RECORDS
The Reinsurer shall have the right, at any reasonable time, to inspect, at
the office of the Ceding Company, all books, records and documents relating
to the reinsurance under this Agreement.
I. INSOLVENCY
1) In the event of insolvency of the Ceding Company, the Reinsurer's
liability for claims will continue to be in accordance with the terms of
the agreement. Payment of reinsurance claims less any reinsurance
premiums due the Reinsurer will be made directly to the liquidator,
receiver or statutory successor of the Ceding Company without diminution
of the insolvency of the Ceding Company.
2) In the event of insolvency of the Ceding Company, the liquidator,
receiver or statutory successor will give the Reinsurer written notice of
any pending claim and the Reinsurer may, at its own expense, investigate
the claim and interpose any defense which it deems appropriate to the
Ceding Company or its liquidator, receiver or statutory successor. If the
Ceding Company benefits from the defense undertaken by the Reinsurer, an
equitable share of the expenses incurred by the Reinsurer will be
chargeable to the Ceding Company as part of the expense of liquidation.
3) In the event of insolvency of either the Ceding Company or the
Reinsurer, any debts or credits due the other party, whether matured or
unmatured, under this Agreement or any other agreement, which exist on
the date of the entry of a receivership or liquidation order, shall be
deemed mutual debts or credits as the case may be and shall be set off
and only the balance shall be allowed or paid.
4) The Reinsurer's liability will not increase as a result of the
insolvency of the Ceding Company.
J. PARTIES TO THE AGREEMENT
This is an Agreement for indemnity reinsurance solely between the Ceding
Company and the Reinsurer. The acceptance of reinsurance hereunder shall not
create any right or legal relation whatever between the Reinsurer and any
insured or any beneficiary under any policies of the Ceding Company which
may be reinsured hereunder.
SECTION III
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(CONTINUED)
K. TERMINATION CHARGE
If the Reinsurer exercises its rights to terminate all new and existing
inforce reinsurance as stipulated under Section II D,3, an appropriate
charge will be determined by, and paid to, the Reinsurer. Such termination
charge will be determined so as to approximate the excess of deferred
acquisition expenses plus equity in unearned premium reserve over the
benefit reserve plus unearned premium reserve for the business being
terminated hereunder. The calculation of the components of the charge will
be the Reinsurer's usual calculation methods and will be in accordance with
the GAAP principals as outlined in FAS60 or FAS97, as appropriate.
L. DURATION OF AGREEMENT
This Agreement will be effective on and after the Effective Date stated on
the cover page. Other than for nonpayment of reinsurance premiums and/or
failure to comply with reporting requirements, as provided in the Reporting
Requirements Schedule, the Agreement is unlimited in duration but may be
amended by mutual consent of the Ceding Company and the Reinsurer.
This Agreement may be terminated as to new reinsurance by either party's
giving ninety (90) days written notice to the other. However, if the Ceding
Company changes its underwriting rules and the Reinsurer does not approve of
such changes in writing, this Agreement may be terminated for new business
immediately by the Reinsurer. Termination as to new reinsurance does not
affect existing reinsurance.
M. ARBITRATION
1) It is the intention of the Reinsurer and the Ceding Company that the
customs and practices of the insurance and reinsurance industry shall be
given full effect in the operation and interpretation of this Agreement.
The parties agree to act in all things with the highest good faith. If
the Reinsurer or the Ceding Company cannot mutually resolve a dispute
which arises out of or relates to this Agreement however, the dispute
shall be decided through arbitration.
2) Disagreements between the Reinsurer and the Ceding Company will be
submitted to three arbitrators who must be officers of other life
insurance companies. Within sixty (60) days of the date of notice of the
intent to submit the dispute to arbitration, the Reinsurer and the Ceding
Company will each appoint one arbitrator and the third will be selected
by these two arbitrators. If agreement cannot be reached on the selection
of the third arbitrator, each arbitrator shall nominate three (3)
candidates within ten (10) days thereafter, two of whom the other shall
decline, and the decision shall be made by drawing lots.
SECTION III
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(CONTINUED)
M. ARBITRATION
3) The arbitrators shall base their decision on the terms and conditions
of this Agreement plus, as necessary, on the customs and practices of the
insurance and reinsurance industry rather than solely on a strict
interpretation of the applicable law. There shall be no appeal from their
decision, and any court having jurisdiction of the subject matter and the
parties may reduce that decision to judgment.
4) The arbitration hearing shall be held on the date fixed by the
arbitrators. In no event shall this date be later than six (6) months
after the appointment of the third arbitrator. As soon as possible, the
arbitrators shall establish prearbitration procedures as warranted by the
facts and issues of the particular case. At least ten (10) days prior to
the arbitration hearings, each party shall provide the other party and
the arbitrators with a detailed statement of the facts and arguments it
will present at the arbitration hearing. The arbitrators may consider any
relevant evidence; they shall give the evidence such weight as they deem
it entitled to after consideration of any objections raised concerning
it. The party initiating the arbitration shall have the burden of proving
its case by a preponderance of the evidence. Each party may examine any
witnesses who testify at the arbitration hearing. Within twenty (20) days
after the end of the arbitration hearing, the arbitrators shall issue a
written decision. In their decision, the arbitrators shall apportion the
costs of arbitration, which shall include but not be limited to their own
fees and expenses, as they deem appropriate.
N. CURRENCY
All currency will be payable in United States dollars.
O. CHOICE OF LAW AND FORUM
Illinois law shall govern the terms and conditions of the Agreement. In the
case of an arbitration, the arbitration hearing shall take place in Chicago,
Illinois, and the Uniform Arbitration Act shall control except as provided
in Section III, M, of this Agreement.
P. ENTIRE CONTRACT
This agreement shall constitute the entire agreement between the parties with
respect to the business being reinsured thereunder and that there are no
understandings between the parties other than in the agreement.
Any changes or modifications to the agreement shall be null and void unless made
by amendment to the agreement and signed by both parties.
SECTION III
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(CONTINUED)
Q. DAC TAX ELECTION STATEMENT
The Ceding Company and the Reinsurer hereby agree to the following pursuant
to Section 1.848-2(g)(8) of the Income Tax Regulation issued December 1992,
under Section 848 of the Internal Revenue Code of 1986, as amended. This
election shall be effective for 1992 and all subsequent taxable years for
which this agreement remains in effect.
1) The term "party" will refer to either the Ceding Company or the
Reinsurer as appropriate.
2) The terms used in this article are defined by reference to Regulation
1.848-2 in effect December 1992.
3) The party with net positive consideration for this agreement for each
taxable year will capitalize specified policy acquisition expenses with
respect to this agreement without regard to the general deductions
limitation of Section 848(c)(l).
4) Both parties agree to exchange information pertaining to the amount of
net consideration under this agreement each year to ensure consistency or
is otherwise required by the Internal Revenue Service.
5) The Reinsurer will submit a schedule to the Ceding Company by February
1, of each year of its calculation of the net consideration for the
preceding calendar year. This schedule will be accompanied by a
statement stating that the Reinsurer will report such net consideration
in its tax return for the preceding calendar year.
6) The Ceding Company may contest such calculation by providing an
alternative calculation to the Reinsurer within 30 days of the Ceding
Company's receipt of the Reinsurer's calculation. If the Ceding Company
does not so notify the Reinsurer. The Reinsurer will report the net
consideration as determined by the Reinsurer in the Reinsurer's tax
return for the previous calendar year.
7) If the Ceding Company contests the Reinsurer's Calculation of the net
consideration, the parties will act in good faith to reach an agreement
as to the correct amount within 30 days of the date the Ceding Company
submits its alternative calculation. If the Ceding Company and the
Reinsurer reach agreement on an amount of the net consideration, each
party shall report such amount in their respective tax returns for the
previous calendar year.
SECTION IV
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SPECIAL PROVISIONS
NONE
Signed for the Reinsurer: Continental Assurance Company of Chicago, Illinois
By: /s/ Attest: /s/
----------------------- -----------------------------
Senior Vice President, Assistant Secretary
Life Reinsurance
Date of Signatures: January 22, 1999
------------------------------------
Signed for the Ceding Company:
By: /s/ Attest: /s/
----------------------- -----------------------------
Title: AVP - ACTUARY Title: VP
Date of Signatures: February 15, 1999
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SECTION V
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SCHEDULES
SCHEDULE A RETENTION SCHEDULE
SCHEDULE B AUTOMATIC ACCEPTANCE SCHEDULE
SCHEDULE C ACCEPTED COVERAGE SCHEDULE
SCHEDULE D PREMIUM RATE SCHEDULE
SCHEDULE E YRT PREMIUM RATE SCHEDULE
SCHEDULE F CONDITIONAL RECEIPT SCHEDULE
E
SCHEDULE A
RETENTION LIMITS SCHEDULE
A. LIFE
The Ceding Company retains 10% of each risk up to the maximum shown in the
tables below:
NON MILITARY LIFE
(MALE AND FEMALE)
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Standard - Table 4 Tables 5-8 Tables 9 and Over
and Flat Extras and Flat Extras and Flat Extras
Ages to $10.00 $10.01 to $20.00 $20.01 and Over
=========================================================================
All $600,000 $600,000 $600,000
-------------------------------------------------------------------------
NOTE: The Ceding Company retains an additional $100,000 if by so doing can
eliminate the need for reinsurance.
ENLISTED MILITARY PERSONNEL ON ACTIVE DUTY
-----------------
Ages Retention
=================
All $50,000
-----------------
The maximum issue limit for this program is $200,000
MILITARY LIFE
(MALE AND FEMALE)
--------------------------------
Rank Retention
================================
W0 through 0 - 3 $250,000
0 - 4 and above $350,000
--------------------------------
B. WAIVER OF PREMIUM DISABILITY
(Male and Female)
(Standard and Substandard)
-----------------------
Ages Face Amount
=======================
15 - 55 $600,000
-----------------------
C. ACCIDENTAL DEATH BENEFITS - Not reinsured under this Agreement
SCHEDULE B
AUTOMATIC ACCEPTANCE SCHEDULE
The Reinsurer will automatically accept 30% of the pool risk up to the maximum
shown in the following tables:
NON MILITARY LIFE
(MALE AND FEMALE)
-------------------------------------------------------------------------
Standard - Table 4 Tables 5 - 8 Tables 9 and Over
and Flat Extras and Flat Extras and Flat Extras
Ages to $10.00 $10.01 - $20.00 $20.01 - and Over
=========================================================================
All $6,000,000 $6,000,000 $6,000,000
-------------------------------------------------------------------------
ENLISTED MILITARY PERSONNEL ON ACTIVE DUTY
-----------------
Ages Retention
=================
All $500,000
-----------------
MILITARY LIFE
(Male and Female)
----------------------------------
Rank Retention
==================================
W0 through 0 - 3 $2,500,000
0 - 4 and above $3,500,000
----------------------------------
SCHEDULE C
ACCEPTED COVERAGE SCHEDULE
Variable Universal Life
Waiver of Premium
All business will be self-administered.
Recapture Period will be ten years.
SCHEDULE D
PREMIUM RATE SCHEDULE
Premium rates will be on a YRT basis using the following percentages of the '91
Xxxxx rates shown as Schedule D:
--------------------------------------------------------------
First Year Renewal
==============================================================
Preferred Ultra Non-Tobacco 0% 29%
Preferred Plus Non-Tobacco 0% 35%
Preferred Non-Tobacco 0% 47%
Standard Plus Tobacco 0% 47%
Standard Tobacco 0% 64%
--------------------------------------------------------------
State premium tax will not be reimbursed
For Life insurance on a risk classified as multiple table substandard, the
appropriate rates will be increased by 25% per table.
Male Non Smoker
91 Xxxxx, Male Non Smoker
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
0 1.1200 0.7000 0.4700 0.4200 0.3700 0.3200 0.3100 0.2800 0.2700 0.2700 0.2800
1 0.9856 0.6002 0.3849 0.3369 0.2876 0.3116 0.3137 0.2183 0.2231 0.2571 0.2962
2 0.8054 0.5067 0.3324 0.2908 0.2452 0.3032 0.3174 0.2120 0.2406 0.3264 0.4091
3 0.6119 0.4238 0.3032 0.2714 0.2338 0.2948 0.3211 0.2464 0.3004 0.4411 0.5696
4 0.4378 0.3555 0.2882 0.2683 0.2444 0.2864 0.3248 0.3068 0.3804 0.5641 0.7288
5 0.3154 0.3061 0.2791 0.2744 0.2679 0.2782 0.3283 0.3784 0.4586 0.6585 0.8377
6 0.2486 0.3076 0.2739 0.2804 0.3138 0.3563 0.4419 0.4819 0.5504 0.7296 0.8937
7 0.2157 0.3091 0.2760 0.3031 0.3882 0.4745 0.6092 0.6271 0.6704 0.8020 0.9294
8 0.2223 0.3106 0.2821 0.3383 0.4768 0.6075 0.7918 0.7830 0.7956 0.8678 0.9487
9 0.2289 0.3120 0.3118 0.3852 0.5654 0.7302 0.9512 0.9186 0.9030 0.9191 0.9513
10 0.2638 0.3134 0.3635 0.4430 0.6395 0.8175 1.0490 1.0028 0.9693 0.9481 0.9538
11 0.3310 0.4130 0.4550 0.5246 0.7028 0.8651 1.0440 1.0006 0.9647 0.9454 0.9352
12 0.4344 0.5605 0.5832 0.6306 0.7648 0.8898 1.0390 0.9984 0.9600 0.9163 0.8972
13 0.5508 0.7218 0.7213 0.7415 0.8201 0.8929 0.9800 0.9502 0.9169 0.8747 0.8521
14 0.6570 0.8630 0.8425 0.8378 0.8636 0.8940 0.9160 0.8975 0.8712 0.8346 0.8123
15 0.7300 0.9500 0.9200 0.9000 0.8900 0.8900 0.8700 0.8600 0.8400 0.8100 0.7900
16 0.7340 0.9517 0.9296 0.9086 0.8847 0.8750 0.8403 0.8351 0.8216 0.8131 0.7956
17 0.7380 0.9534 0.9392 0.9171 0.8794 0.8466 0.8115 0.8096 0.8045 0.8162 0.8012
18 0.7420 0.9078 0.9100 0.8941 0.8537 0.8128 0.7863 0.7875 0.7946 0.8193 0.8208
19 0.7460 0.8515 0.8699 0.8620 0.8246 0.7813 0.7673 0.7782 0.7893 0.8225 0.8423
20 0.7500 0.8000 0.8300 0.8300 0.8000 0.7600 0.7636 0.7768 0.7937 0.8305 0.8600
21 0.7189 0.7470 0.7832 0.7911 0.7772 0.7588 0.7652 0.7809 0.8027 0.8385 0.8714
22 0.6719 0.6822 0.7220 0.7394 0.7510 0.7576 0.7731 0.8064 0.8295 0.8546 0.8810
23 0.6185 0.6149 0.6572 0.6850 0.7254 0.7564 0.7918 0.8379 0.8618 0.8738 0.8905
24 0.5680 0.5544 0.5996 0.6385 0.7044 0.7552 0.8107 0.8682 0.8938 0.8957 0.9058
25 0.5300 0.5100 0.5600 0.6100 0.7019 0.7572 0.8201 0.8900 0.9200 0.9200 0.9300
26 0.5049 0.5016 0.5600 0.6093 0.6994 0.7592 0.8294 0.8960 0.9293 0.9419 0.9597
27 0.4865 0.4932 0.5600 0.6086 0.7070 0.7644 0.8345 0.9020 0.9391 0.9615 0.9922
28 0.4766 0.4848 0.5600 0.6246 0.7146 0.7696 0.8396 0.9080 0.9446 0.9862 1.0330
29 0.4689 0.4764 0.5600 0.6465 0.7223 0.7748 0.8448 0.9140 0.9618 1.0233 1.0871
30 0.4671 0.4747 0.5600 0.6700 0.7300 0.7800 0.8500 0.9200 1.0000 1.0800 1.1600
31 0.4710 0.4746 0.5750 0.6922 0.7559 0.8151 0.8887 0.9685 1.0594 1.1570 1.2524
32 0.4782 0.4813 0.5939 0.7157 0.7863 0.8598 0.9382 1.0314 1.1333 1.2495 1.3608
33 0.4928 0.4955 0.6193 0.7451 0.8247 0.9149 0.9993 1.1082 1.2215 1.3565 1.4840
34 0.5078 0.5176 0.6538 0.7850 0.8748 0.9814 1.0730 1.1979 1.3238 1.4770 1.6208
35 0.5200 0.5500 0.7000 0.8400 0.9400 1.0600 1.1600 1.3000 1.4400 1.6100 1.7700
36 0.5280 0.5964 0.7628 0.9158 1.0254 1.1543 1.2634 1.4152 1.5687 1.7500 1.9222
37 0.5360 0.6553 0.8404 1.0093 1.1285 1.2638 1.3827 1.5440 1.7102 1.8976 2.0781
38 0.5440 0.7210 0.9256 1.1119 1.2419 1.3830 1.5133 1.6852 1.8662 2.0612 2.2519
39 0.5520 0.7878 1.0112 1.2150 1.3582 1.5069 1.6506 1.8376 2.0389 2.2492 2.4578
40 0.5600 0.8500 1.0900 1.3100 1.4700 1.6300 1.7900 2.0000 2.2300 2.4700 2.7100
41 0.5932 0.9010 1.1534 1.3862 1.5668 1.7407 1.9196 2.1622 2.4319 2.7199 3.0086
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
0 0.3300 0.3800 0.4600 0.6600 0.8391 15
1 0.3808 0.4178 0.4844 0.6628 1.0713 16
2 0.5423 0.5554 0.5950 0.7240 1.0196 17
3 0.7525 0.7379 0.7456 0.8136 0.9817 18
4 0.9491 0.9107 0.8898 0.9012 0.9569 19
5 1.0702 1.0190 0.9814 0.9568 0.9600 20
6 1.0794 1.0529 0.9769 0.9563 0.9600 21
7 1.0885 1.0490 0.9724 0.9558 0.9600 22
8 1.0464 1.0220 0.9679 0.9553 0.9600 23
9 0.9958 0.9867 0.9635 0.9549 0.9600 24
10 0.9561 0.9578 0.9590 0.9474 0.9600 25
11 0.9222 0.9298 0.9392 0.9400 0.9600 26
12 0.8811 0.8927 0.9111 0.9301 0.9600 27
13 0.8406 0.8551 0.8819 0.9202 0.9600 28
14 0.8081 0.8253 0.8588 0.9125 0.9600 29
15 0.8014 0.8222 0.8570 0.9101 0.9600 30
16 0.7947 0.8191 0.8551 0.9125 0.9600 31
17 0.8136 0.8422 0.8727 0.9203 0.9600 32
18 0.8406 0.8734 0.8973 0.9356 0.9700 33
19 0.8685 0.9052 0.9246 0.9556 0.9800 34
20 0.8900 0.9300 0.9500 0.9800 1.0000 35
21 0.8974 0.9383 0.9694 1.0062 1.0300 36
22 0.9052 0.9471 0.9855 1.0343 1.0700 37
23 0.9137 0.9520 1.0050 1.0683 1.1300 38
24 0.9226 0.9669 1.0343 1.1122 1.2000 39
25 0.9500 1.0000 1.0800 1.1700 1.2800 40
26 0.9902 1.0502 1.1396 1.2368 1.3700 41
27 1.0387 1.1119 1.2088 1.3100 1.4600 42
28 1.0981 1.1865 1.2912 1.3968 1.5500 43
29 1.1710 1.2754 1.3904 1.5044 1.6500 44
30 1.2600 1.3800 1.5100 1.6400 1.7800 45
31 1.3644 1.4978 1.6476 1.8028 1.9400 46
32 1.4824 1.6279 1.8008 1.9880 2.1600 47
33 1.6152 1.7741 1.9732 2.1968 2.4200 48
34 1.7640 1.9402 2.1684 2.4304 2.7300 49
35 1.9300 2.1300 2.3900 2.6900 3.0600 50
36 2.1004 2.3302 2.6214 2.9524 3.4200 51
37 2.2744 2.5381 2.8601 3.2168 3.7800 52
38 2.4712 2.7739 3.1311 3.5180 4.1100 53
39 2.7100 3.0578 3.4594 3.8908 4.4500 54
40 3.0100 3.4100 3.8700 4.3700 4.8800 55
41 3.3806 3.8389 4.3737 4.9746 5.4400 56
Male Non Smoker
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
42 0.6348 0.9447 1.2061 1.4495 1.6536 1.8426 2.0424 2.3249 2.6434 2.9934 3.3441
43 0.6848 0.9909 1.2611 1.5157 1.7460 1.9530 2.1764 2.5035 2.8758 3.2958 3.7163
44 0.7432 1.0494 1.3314 1.6006 1.8596 2.0897 2.3396 2.7134 3.1409 3.6329 4.1250
45 0.8100 1.1300 1.4300 1.7200 2.0100 2.2700 2.5500 2.9700 3.4500 4.0100 4.5700
46 0.8878 1.2370 1.5544 1.8678 2.1919 2.4922 2.8073 3.2710 3.7971 4.4147 5.0325
47 0.9765 1.3637 1.6960 2.0333 2.3950 2.7447 3.0994 3.6061 4.1746 4.8434 5.5126
48 1.0723 1.5039 1.8584 2.2259 2.6270 3.0301 3.4270 3.9787 4.5914 5.3146 6.0386
49 1.1714 1.6514 2.0452 2.4550 2.8961 3.3510 3.7903 4.3922 5.0569 5.8473 6.6383
50 1.2700 1.8000 2.2600 2.7300 3.2100 3.7100 4.1900 4.8500 5.5800 6.4600 7.3400
51 1.3629 1.9438 2.5071 3.0609 3.5746 4.1067 4.6210 5.3456 6.1547 7.1518 8.1466
52 1.4526 2.0871 2.7842 3.4414 3.9845 4.5394 5.0831 5.8768 6.7750 7.9103 9.0395
53 1.5470 2.2385 3.0846 3.8566 4.4311 5.0086 5.5837 6.4532 7.4498 8.7369 10.0141
54 1.6535 2.4066 3.4021 4.2911 4.9058 5.5153 6.1302 7.0844 8.1885 9.6330 11.0658
55 1.7800 2.6000 3.7300 4.7300 5.4000 6.0600 6.7300 7.7800 9.0000 10.6000 12.1900
56 1.9211 2.8220 4.0836 5.1937 5.9266 6.6489 7.3818 8.5274 9.8586 11.5986 13.3284
57 2.0718 3.0668 4.4672 5.6922 6.4913 7.2814 8.0805 9.3201 10.7583 12.6279 14.4840
58 2.2398 3.3296 4.8580 6.1950 7.0747 7.9486 8.8283 10.1771 11.7377 13.7469 15.7444
59 2.4333 3.6056 5.2332 6.6711 7.6574 8.6411 9.6274 11.1174 12.8354 15.0146 17.1972
60 2.6600 3.8900 5.5700 7.0900 8.2200 9.3500 10.4800 12.1600 14.0900 16.4900 18.9300
61 2.9270 4.1676 5.8121 7.3663 8.6720 9.9798 11.2857 13.2126 15.4237 18.1081 20.9182
62 3.2291 4.4416 5.9746 7.5206 9.0264 10.5367 12.0430 14.2627 16.8106 19.8294 23.1033
63 3.5557 4.7348 6.1422 7.6806 9.4188 11.1637 12.9026 15.4485 18.3678 21.7518 25.5223
64 3.8962 5.0700 6.3991 7.9745 9.9848 12.0038 14.0147 16.9082 20.2119 23.9727 28.2122
65 4.2400 5.4700 6.8300 8.5300 10.8600 13.2000 15.5300 18.7800 22.4600 26.5900 31.2100
66 4.5784 5.9113 7.4194 9.3454 12.0727 14.8106 17.5354 21.1384 25.1542 29.5860 34.3969
67 4.9184 6.3786 8.1111 10.3355 13.5326 16.7403 19.9307 23.8912 28.2167 32.8956 37.7482
68 5.2732 6.9074 8.9281 11.5029 15.1970 18.9017 22.5853 26.9268 31.5841 36.5452 41.4422
69 5.6560 7.5327 9.8934 12.8502 17.0237 21.2074 25.3686 30.1336 35.1930 40.5612 45.6567
70 6.0800 8.2900 11.0300 14.3800 18.9700 23.5700 28.1500 33.4000 38.9800 44.9700 50.5700
71 6.5397 9.1635 12.3052 16.0451 20.9776 25.9165 30.8400 36.6249 42.8342 49.6475 56.0513
72 7.0262 10.1298 13.7037 17.8436 23.0747 28.3051 33.5257 39.8827 46.7977 54.5761 61.9818
73 7.5480 11.2123 15.2745 19.8466 25.3490 30.8455 36.3413 43.3251 51.0371 59.9419 68.5576
74 8.1131 12.4346 17.0669 22.1251 27.8882 33.6472 39.4213 47.1036 55.7190 65.9312 75.9750
75 8.7300 13.8200 19.1300 24.7500 30.7800 36.8200 42.9000 51.3700 61.0100 72.7300 84.4300
76 9.4910 15.6638 21.9397 28.3196 34.6125 40.9597 47.3957 56.8977 67.9061 81.7093 95.7363
77 10.2520 17.5076 24.7493 31.8893 38.4450 45.0994 51.8915 62.4253 74.8022 90.6885 107.0426
78 11.0130 19.3513 27.5590 35.4589 42.2775 49.2391 56.3872 67.9530 81.6983 99.6678 118.3489
79 11.7740 21.1951 30.3687 39.0286 46.1100 53.3788 60.8829 73.4806 88.5944 108.6470 129.6552
80 12.5350 23.0389 33.1783 42.5982 49.9425 57.5186 65.3787 79.0083 95.4905 117.6263 140.9615
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
42 3.8091 4.3310 4.9538 5.6815 6.2100 57
43 4.2813 4.8738 5.5942 6.4621 7.1800 58
44 4.7830 5.4543 6.2783 7.2878 8.3000 59
45 5.3000 6.0600 6.9900 8.1300 9.4800 60
46 5.7999 6.6636 7.7070 8.9690 10.6300 61
47 6.2922 7.2736 8.4401 9.8237 11.7000 62
48 6.8254 7.9308 9.2227 10.7239 12.6800 63
49 7.4485 8.6760 10.0882 11.6994 13.6300 64
50 8.2100 9.5500 11.0700 12.7800 14.6400 65
51 9.1193 10.5469 12.1411 13.9138 15.8000 66
52 10.1438 11.6394 13.2794 15.0809 17.1000 67
53 11.2698 12.8366 14.5250 16.3591 18.4700 68
54 12.4831 14.1471 15.9185 17.8262 19.9500 69
55 13.7700 15.5800 17.5000 19.5600 21.6700 70
56 15.0491 17.0478 19.1810 21.4735 23.7500 71
57 16.3298 18.5447 20.9345 23.5150 26.2400 72
58 17.7338 20.2017 22.8935 25.8146 29.0300 73
59 19.3833 22.1498 25.1910 28.5029 32.1600 74
60 21.4000 24.5200 27.9600 31.7100 35.7300 75
61 23.8016 27.3169 31.1772 35.3722 39.8500 76
62 26.5068 30.4530 34.7540 39.4025 44.5600 77
63 29.4892 33.9218 38.7252 43.8967 49.7500 78
64 32.7224 37.7163 43.1256 48.9506 55.4700 79
65 36.1800 41.8300 47.9900 54.6600 61.8200 80
66 39.6714 46.0598 53.1208 60.8483 68.9400 81
67 43.2143 50.4101 58.4948 67.4518 76.9000 82
68 47.0945 55.1855 64.4084 74.7350 85.6600 83
69 51.5978 60.6906 71.1580 82.9629 95.1800 84
70 57.0100 67.2300 79.0400 92.4000 106.2900 85
71 63.1963 74.6285 87.8288 103.0635 119.5200 86
72 69.9660 82.6832 97.3269 114.7770 134.1000 87
73 77.5216 91.6567 107.8725 127.5147 149.5100 88
74 86.0655 101.8114 119.8041 141.2509 165.2000 89
75 95.8000 113.4100 133.4600 155.9600 180.9500 90
76 108.8366 128.9902 151.8378 173.6219 197.0000 91
77 121.8732 144.5703 170.2155 191.2838 213.4500 92
78 134.9098 160.1505 188.5933 208.9456 230.1200 93
79 147.9464 175.7307 206.9711 226.6075 246.8300 94
80 160.9830 191.3108 225.3488 244.2694 263.1900 95
279.2900 96
295.8000 97
312.7300 98
330.0600 99
364.0500 100
427.5800 101
517.9300 102
651.1400 103
817.2900 104
Male Non Smoker
Attained
Ultimate Age
1,000.0000 105
1,000.0000 106
1,000.0000 107
1,000.0000 108
1,000.0000 109
1,000.0000 110
1,000.0000 111
1,000.0000 112
1,000.0000 113
1,000.0000 114
1,000.0000 115
1,000.0000 116
1,000.0000 117
1,000.0000 118
1,000.0000 119
Male Smoker
91 Xxxxx, Male Smoker
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
0 1.5867 0.9917 0.6658 0.5950 0.5242 0.4533 0.4392 0.3967 0.3825 0.3825 0.3967
1 1.4315 0.8855 0.5803 0.5128 0.4427 0.3765 0.4444 0.3445 0.3514 0.3994 0.4549
2 1.1806 0.7575 0.5099 0.4524 0.3870 0.3318 0.4496 0.3400 0.3806 0.5021 0.6192
3 0.8933 0.6268 0.4549 0.4122 0.3577 0.3197 0.4548 0.3755 0.4520 0.6513 0.8334
4 0.6290 0.5125 0.4156 0.3906 0.3550 0.3403 0.4600 0.4435 0.5477 0.8079 1.0413
5 0.4468 0.4336 0.3924 0.3923 0.3795 0.3941 0.4651 0.5361 0.6497 0.9329 1.1867
6 0.3499 0.4357 0.3757 0.3939 0.4397 0.5006 0.6214 0.6782 0.7752 1.0291 1.2620
7 0.2986 0.4378 0.3756 0.4155 0.5352 0.6595 0.8492 0.8749 0.9363 1.1226 1.3045
8 0.3068 0.4399 0.3755 0.4574 0.6533 0.8415 1.1010 1.0890 1.1070 1.2090 1.3258
9 0.3150 0.4419 0.4206 0.5259 0.7811 1.0175 1.3291 1.2833 1.2613 1.2840 1.3376
10 0.3737 0.4440 0.5150 0.6276 0.9060 1.1581 1.4861 1.4206 1.3732 1.3431 1.3512
11 0.4937 0.6360 0.6950 0.7922 1.0446 1.2677 1.4914 1.4949 1.4393 1.3860 1.3577
12 0.6779 0.9200 0.9512 1.0155 1.2055 1.3657 1.4968 1.5310 1.4770 1.4154 1.3641
13 0.8827 1.2316 1.2289 1.2527 1.3636 1.4457 1.5036 1.5278 1.4822 1.4322 1.3682
14 1.0646 1.5064 1.4734 1.4591 1.4935 1.5013 1.5118 1.5245 1.4873 1.4311 1.3699
15 1.1800 1.6800 1.6300 1.5900 1.5700 1.5042 1.5200 1.5000 1.4700 1.4300 1.3651
16 1.1875 1.7321 1.6818 1.5990 1.5785 1.5071 1.4723 1.4525 1.4272 1.4032 1.3578
17 1.1949 1.7055 1.6651 1.6079 1.5358 1.4486 1.3999 1.3760 1.3557 1.3559 1.3352
18 1.1462 1.6308 1.6055 1.5484 1.4639 1.3699 1.3174 1.2883 1.2735 1.3010 1.3103
19 1.0903 1.5388 1.5286 1.4745 1.3846 1.2906 1.2393 1.2070 1.1989 1.2514 1.2898
20 1.0500 1.4600 1.4600 1.4100 1.3200 1.2300 1.1800 1.1500 1.1500 1.2200 1.2808
21 1.0253 1.3870 1.3908 1.3463 1.2639 1.1845 1.1359 1.1420 1.1540 1.2260 1.2702
22 1.0011 1.2995 1.3040 1.2678 1.2018 1.1413 1.0974 1.1340 1.1580 1.2320 1.2660
23 0.9772 1.2084 1.2128 1.1870 1.1426 1.1056 1.0698 1.1260 1.1620 1.2380 1.2602
24 0.9536 1.1249 1.1304 1.1169 1.0957 1.0827 1.0699 1.1180 1.1660 1.2440 1.2854
25 0.9300 1.0600 1.0700 1.0700 1.0700 1.0853 1.0700 1.1100 1.1700 1.2500 1.3500
26 0.9038 1.0150 1.0310 1.0760 1.0696 1.0878 1.1019 1.1630 1.2410 1.3429 1.4617
27 0.8750 0.9824 1.0045 1.0820 1.0692 1.1088 1.1510 1.2363 1.3349 1.4682 1.6110
28 0.8477 0.9604 0.9988 1.0880 1.0916 1.1461 1.2190 1.3301 1.4503 1.6182 1.7866
29 0.8259 0.9509 1.0008 1.0940 1.1340 1.2048 1.3081 1.4446 1.5858 1.7847 1.9767
30 0.8172 0.9427 1.0100 1.1000 1.2000 1.2900 1.4200 1.5800 1.7400 1.9600 2.1700
31 0.8106 0.9399 1.0392 1.1620 1.2906 1.4048 1.5578 1.7391 1.9131 2.1382 2.3563
32 0.8115 0.9436 1.0800 1.2416 1.4033 1.5457 1.7203 1.9218 2.1062 2.3247 2.5434
33 0.8145 0.9492 1.1372 1.3412 1.5367 1.7082 1.9029 2.1238 2.3186 2.5281 2.7462
34 0.8340 0.9775 1.2156 1.4632 1.6894 1.8878 2.1010 2.3413 2.5501 2.7570 2.9801
35 0.8700 1.0300 1.3200 1.6100 1.8600 2.0800 2.3100 2.5700 2.8000 3.0200 3.2600
36 0.9213 1.1094 1.4549 1.7858 2.0479 2.2806 2.5222 2.7982 3.0553 3.3047 3.5705
37 0.9851 1.2113 1.6170 1.9889 2.2542 2.4927 2.7405 3.0285 3.3162 3.6054 3.9014
38 1.0633 1.3314 1.7998 2.2131 2.4794 2.7225 2.9767 3.2787 3.6026 3.9406 4.2762
39 1.1576 1.4657 1.9963 2.4522 2.7245 2.9762 3.2426 3.5666 3.9339 4.3293 4.7179
40 1.2700 1.6100 2.2000 2.7000 2.9900 3.2600 3.5500 3.9100 4.3300 4.7900 5.2500
41 1.4071 1.7591 2.4023 2.9457 3.2667 3.5647 3.8921 4.3090 4.7988 5.3415 5.9105
42 1.5678 1.9158 2.6078 3.1934 3.5542 3.8862 4.2610 4.7517 5.3272 5.9714 6.6838
43 1.7418 2.0878 2.8290 3.4594 3.8662 4.2382 4.6670 5.2379 5.9032 6.6514 7.5130
44 1.9193 2.2833 3.0789 3.7595 4.2169 4.6349 5.1199 5.7674 6.5148 7.3537 8.3407
45 2.0900 2.5100 3.3700 4.1100 4.6200 5.0900 5.6300 6.3400 7.1500 8.0500 9.1100
46 2.2362 2.7568 3.6920 4.5038 5.0766 5.6143 6.2108 6.9638 7.8040 8.7122 9.7616
47 2.3647 3.0184 4.0364 4.9301 5.5773 6.1986 6.8556 7.6389 8.4848 9.3591 10.3336
48 2.5021 3.3116 4.4188 5.3995 6.1207 6.8266 7.5440 8.3531 9.1996 10.0329 10.9148
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
0 0.4675 0.5383 0.6517 0.9350 1.1887 15
1 0.5748 0.6271 0.7215 0.9741 1.5177 16
2 0.8080 0.8264 0.8827 1.0650 1.4444 17
3 1.0924 1.0718 1.0827 1.1785 1.3907 18
4 1.3534 1.2990 1.2694 1.2851 1.3556 19
5 1.5161 1.4436 1.3903 1.3555 1.3600 20
6 1.5237 1.4886 1.3838 1.3563 1.3600 21
7 1.5312 1.4768 1.3773 1.3571 1.3600 22
8 1.4661 1.4339 1.3708 1.3579 1.3600 23
9 1.3963 1.3854 1.3642 1.3587 1.3600 24
10 1.3545 1.3569 1.3572 1.3594 1.3600 25
11 1.3514 1.3520 1.3521 1.3593 1.3600 26
12 1.3484 1.3472 1.3465 1.3590 1.3600 27
13 1.3468 1.3444 1.3430 1.3580 1.3600 28
14 1.3468 1.3437 1.3416 1.3562 1.3600 29
15 1.3449 1.3450 1.3407 1.3576 1.3600 30
16 1.3445 1.3483 1.3412 1.3570 1.3600 31
17 1.3423 1.3537 1.3449 1.3631 1.3700 32
18 1.3401 1.3591 1.3479 1.3679 1.4000 33
19 1.3379 1.3646 1.3650 1.3917 1.4400 34
20 1.3402 1.3700 1.4000 1.4400 1.5000 35
21 1.3408 1.3959 1.4486 1.5126 1.5900 36
22 1.3514 1.4236 1.5067 1.6035 1.7000 37
23 1.3604 1.4644 1.5805 1.7132 1.8500 38
24 1.4003 1.5295 1.6762 1.8419 2.0300 39
25 1.4800 1.6300 1.8000 1.9900 2.2200 40
26 1.6073 1.7714 1.9531 2.1531 2.4200 41
27 1.7726 1.9463 2.1314 2.3310 2.6300 42
28 1.9643 2.1465 2.3330 2.5302 2.8200 43
29 2.1706 2.3638 2.5565 2.7577 3.0200 44
30 2.3800 2.5900 2.8000 3.0200 3.2600 45
31 2.5791 2.8098 3.0478 3.3022 3.5500 46
32 2.7758 3.0287 3.3009 3.5997 3.9100 47
33 2.9898 3.2697 3.5831 3.9351 4.3300 48
34 3.2413 3.5558 3.9182 4.3310 4.8100 49
35 3.5500 3.9100 4.3300 4.8100 5.3400 50
36 3.9018 4.3218 4.8131 5.3739 5.9600 51
37 4.2833 4.7759 5.3518 6.0078 6.6600 52
38 4.7159 5.2881 5.9538 6.7086 7.4600 53
39 5.2210 5.8742 6.6273 7.4737 8.3300 54
40 5.8200 6.5500 7.3800 8.3000 9.2700 55
41 6.5598 7.3530 8.2298 9.1746 10.2700 56
42 7.4263 8.2727 9.1713 10.0995 11.3000 57
43 8.3489 9.2529 10.1779 11.0941 12.3100 58
44 9.2570 10.2374 11.2230 12.1778 13.3700 59
45 10.0800 11.1700 12.2800 13.3700 14.5600 60
46 10.7270 11.9618 13.2694 14.6124 15.9900 61
47 11.2449 12.6503 14.2091 15.8920 17.6900 62
48 11.7703 13.3689 15.2181 17.2964 19.6200 63
Male Smoker
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
49 2.6750 3.6532 4.8548 5.9226 6.7054 7.4825 8.2556 9.0942 9.9556 10.7758 11.5940
50 2.9100 4.0600 5.3600 6.5100 7.3300 8.1500 8.9700 9.8500 10.7600 11.6300 12.4600
51 3.2064 4.5467 5.9557 7.1814 7.9952 8.8103 9.6608 10.5777 11.5594 12.5375 13.4350
52 3.5464 5.1022 6.6314 7.9299 8.7020 9.4742 10.3416 11.2854 12.3489 13.4702 14.4599
53 3.9312 5.7042 7.3554 8.7257 9.4492 10.1698 11.0520 12.0374 13.2087 14.5150 15.6513
54 4.3620 6.3309 8.0955 9.5390 10.2356 10.9257 11.8316 12.8975 14.2190 15.7593 17.1258
55 4.8400 6.9600 8.8200 10.3400 11.0600 11.7700 12.7200 13.9300 15.4600 17.2900 19.0000
56 5.3849 7.5847 9.5192 11.1210 11.9285 12.7230 13.7318 15.1689 16.9826 19.1597 21.3745
57 5.9958 8.2198 10.2144 11.9017 12.8418 13.7657 14.8405 16.5714 18.7335 21.3102 24.1714
58 6.6434 8.8754 10.9200 12.6939 13.7910 14.8679 16.0243 18.0866 20.6361 23.6630 27.2402
59 7.2979 9.5621 11.6504 13.5094 14.7667 15.9994 17.2614 19.6631 22.6138 26.1391 30.4299
60 7.9300 10.2900 12.4200 14.3600 15.7600 17.1300 18.5300 21.2500 24.5900 28.6600 33.5900
61 8.4908 11.0470 13.2189 15.2219 16.7103 18.1084 19.6473 22.6542 26.3891 31.1470 36.6951
62 9.0000 11.8263 14.0374 16.0874 17.6238 18.9548 20.6278 23.9099 28.0622 33.6527 39.8458
63 9.5308 12.6461 14.8906 16.9918 18.5910 19.8960 21.7458 25.3065 29.8726 36.2949 43.0798
64 10.1564 13.5246 15.7931 17.9709 19.7029 21.1588 23.2751 27.1334 32.0841 39.1914 46.4353
65 10.9500 14.4800 16.7600 19.0600 21.0500 22.9700 25.4900 29.6800 34.9600 42.4600 49.9500
66 11.9428 15.4791 17.6877 20.1315 22.5390 25.4058 28.5298 33.0830 38.5876 46.0317 53.4221
67 13.0860 16.5098 18.5662 21.1618 24.1093 28.3149 32.2117 37.1495 42.7912 49.8278 56.8262
68 14.3328 17.6218 19.5510 22.3422 25.9011 31.5831 36.3267 41.6745 47.4400 53.9522 60.4654
69 15.6364 18.8653 20.7971 23.8645 28.0546 35.0962 40.6658 46.4530 52.4032 58.5083 64.6423
70 16.9500 20.2900 22.4600 25.9200 30.7100 38.7400 45.0200 51.2800 57.5500 63.6000 69.6600
71 18.2434 21.8839 24.5345 28.4926 33.8249 42.4160 49.2565 56.0150 62.7491 69.1431 75.4815
72 19.5479 23.6136 26.9170 31.4547 37.3058 46.2005 53.5148 60.7946 68.0876 75.0685 81.9049
73 20.9086 25.4975 29.6153 34.8305 41.2163 50.2409 57.9938 65.8298 73.7626 81.5024 88.9856
74 22.3709 27.5535 32.6371 38.6442 45.6198 54.6849 62.8925 71.3312 79.9711 88.5708 96.7789
75 23.9800 29.8000 35.9900 42.9200 50.5800 59.6800 68.4100 77.5100 86.9100 96.4000 105.3400
76 25.9691 32.5935 40.3261 48.5499 57.1253 66.1317 75.5184 85.4394 95.7777 106.3431 116.1311
77 27.9583 35.3869 44.6622 54.1799 63.6705 72.5835 82.6269 93.3687 104.6454 116.2863 126.9221
78 29.9474 38.1804 48.9983 59.8098 70.2158 79.0352 89.7353 101.2981 113.5131 126.2294 137.7132
79 31.9365 40.9739 53.3344 65.4398 76.7610 85.4869 96.8438 109.2274 122.3808 136.1726 148.5043
80 33.9257 43.7674 57.6705 71.0697 83.3063 91.9386 103.9522 117.1568 131.2484 146.1157 159.2954
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
49 12.4398 14.2510 16.4154 18.9132 21.7500 64
50 13.3900 15.4300 17.9200 20.8300 24.1300 65
51 14.5525 16.8398 19.6850 23.0257 26.7700 66
52 15.8362 18.3913 21.6309 25.4418 29.7000 67
53 17.3438 20.1839 23.8283 28.1102 32.9200 68
54 19.1775 22.3170 26.3478 31.0623 36.4000 69
55 21.4400 24.8900 29.2600 34.3300 40.1100 70
56 24.2485 28.0174 32.6566 37.9710 44.0200 71
57 27.5346 31.6329 36.4907 41.9641 48.1100 72
58 31.1226 35.5647 40.6245 46.2227 52.3900 73
59 34.8363 39.6410 44.9202 50.6602 56.8700 74
60 38.5000 43.6900 49.2400 55.1900 61.5500 75
61 42.1442 47.7458 53.5987 59.7886 66.4400 76
62 45.8861 51.9231 58.0882 64.5139 71.5100 77
63 49.6799 56.1705 62.6862 69.4009 76.7300 78
64 53.4798 60.4366 67.3709 74.4846 82.1300 79
65 57.2400 64.6700 72.1200 79.8000 87.8200 80
66 60.6071 68.4839 76.5272 84.9418 93.9200 81
67 63.6118 71.9126 80.6072 89.8865 100.4100 82
68 66.7838 75.5362 84.9696 95.2423 107.1800 83
69 70.6533 79.9353 90.2240 101.6174 114.2900 84
70 75.7500 85.6900 96.9800 109.6200 123.5800 85
71 82.0795 92.8058 105.2254 119.4822 136.0000 86
72 89.2886 100.8957 114.5539 130.7987 150.0000 87
73 97.3689 109.9518 124.9837 143.2211 164.7400 88
74 106.3121 119.9659 136.5330 156.4010 179.3700 89
75 116.1100 130.9300 149.2200 169.9900 193.3400 90
76 128.4828 144.7549 165.2960 185.2710 206.7500 91
77 140.8556 158.5798 181.3720 200.5520 220.0800 92
78 153.2284 172.4047 197.4480 215.8330 233.7000 93
79 165.6012 186.2296 213.5240 231.1140 247.9500 94
80 177.9740 200.0544 229.6000 246.3950 263.1900 95
279.2900 96
295.8000 97
312.7300 98
330.0600 99
364.0500 100
427.5800 101
517.9300 102
651.1400 103
817.2900 104
1,000.0000 105
1,000.0000 106
1,000.0000 107
1,000.0000 108
1,000.0000 109
1,000.0000 110
1,000.0000 111
1,000.0000 112
1,000.0000 113
1,000.0000 114
1,000.0000 115
1,000.0000 116
1,000.0000 117
1,000.0000 118
Male Smoker
Attained
Ultimate Age
1,000.0000 119
Blended Non Smoker
91 Xxxxx, Blended Non Smoker
Assumes 80% Male, 20% Female
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
0 1.0640 0.6260 0.4360 0.3900 0.3440 0.3000 0.2880 0.2600 0.2540 0.2540 0.2660
1 0.9314 0.5295 0.3509 0.3072 0.2622 0.2928 0.2921 0.1981 0.2048 0.2336 0.2699
2 0.7587 0.4472 0.3013 0.2644 0.2234 0.2857 0.2962 0.1941 0.2209 0.2938 0.3661
3 0.5754 0.3792 0.2765 0.2493 0.2162 0.2785 0.3004 0.2305 0.2787 0.3982 0.5082
4 0.4113 0.3253 0.2657 0.2501 0.2296 0.2714 0.3045 0.2899 0.3545 0.5106 0.6503
5 0.2959 0.2859 0.2589 0.2568 0.2521 0.2644 0.3085 0.3546 0.4248 0.5947 0.7461
6 0.2421 0.2873 0.2562 0.2634 0.2925 0.3318 0.4038 0.4416 0.5019 0.6528 0.7907
7 0.2153 0.2893 0.2593 0.2853 0.3582 0.4338 0.5436 0.5627 0.6016 0.7119 0.8190
8 0.2202 0.2913 0.2680 0.3182 0.4364 0.5484 0.6962 0.6923 0.7053 0.7658 0.8343
9 0.2251 0.2933 0.2961 0.3607 0.5141 0.6540 0.8295 0.8050 0.7941 0.8081 0.8361
10 0.2537 0.2952 0.3413 0.4110 0.5782 0.7287 0.9095 0.8733 0.8483 0.8319 0.8376
11 0.3080 0.3790 0.4185 0.4797 0.6300 0.7662 0.9074 0.8729 0.8454 0.8303 0.8223
12 0.3933 0.5028 0.5257 0.5679 0.6808 0.7853 0.9031 0.8705 0.8416 0.8066 0.7911
13 0.4894 0.6380 0.6408 0.6597 0.7260 0.7872 0.8558 0.8317 0.8068 0.7729 0.7544
14 0.5773 0.7565 0.7416 0.7393 0.7616 0.7877 0.8047 0.7897 0.7695 0.7401 0.7221
15 0.6375 0.8279 0.8046 0.7898 0.7830 0.7840 0.7676 0.7594 0.7442 0.7201 0.7039
16 0.6425 0.8309 0.8133 0.7974 0.7788 0.7715 0.7438 0.7396 0.7289 0.7221 0.7081
17 0.6470 0.8321 0.8204 0.8039 0.7742 0.7483 0.7203 0.7190 0.7151 0.7244 0.7125
18 0.6515 0.7953 0.7965 0.7852 0.7533 0.7208 0.6998 0.7010 0.7070 0.7267 0.7282
19 0.6560 0.7501 0.7638 0.7591 0.7297 0.6951 0.6842 0.6933 0.7026 0.7290 0.7453
20 0.6589 0.7074 0.7307 0.7326 0.7093 0.6775 0.6811 0.6922 0.7067 0.7360 0.7606
21 0.6337 0.6636 0.6921 0.7006 0.6904 0.6759 0.6822 0.6954 0.7146 0.7430 0.7709
22 0.5942 0.6079 0.6408 0.6578 0.6685 0.6741 0.6885 0.7162 0.7374 0.7577 0.7815
23 0.5496 0.5499 0.5865 0.6128 0.6471 0.6724 0.7034 0.7417 0.7646 0.7749 0.7930
24 0.5073 0.4977 0.5385 0.5741 0.6294 0.6706 0.7186 0.7662 0.7916 0.7957 0.8103
25 0.4758 0.4607 0.5059 0.5512 0.6272 0.6729 0.7278 0.7840 0.8140 0.8200 0.8360
26 0.4547 0.4525 0.5052 0.5505 0.6252 0.6751 0.7369 0.7930 0.8264 0.8437 0.8672
27 0.4398 0.4455 0.5054 0.5512 0.6324 0.6822 0.7455 0.8033 0.8404 0.8667 0.9016
28 0.4317 0.4384 0.5056 0.5652 0.6397 0.6903 0.7553 0.8149 0.8523 0.8950 0.9440
29 0.4253 0.4314 0.5058 0.5840 0.6489 0.6995 0.7661 0.8278 0.8749 0.9348 0.9985
30 0.4244 0.4307 0.5060 0.6040 0.6600 0.7100 0.7780 0.8420 0.9160 0.9920 1.0700
31 0.4280 0.4314 0.5223 0.6281 0.6880 0.7455 0.8173 0.8912 0.9756 1.0672 1.1591
32 0.4350 0.4386 0.5434 0.6552 0.7215 0.7898 0.8659 0.9529 1.0482 1.1564 1.2627
33 0.4478 0.4526 0.5707 0.6884 0.7627 0.8436 0.9250 1.0272 1.1338 1.2588 1.3798
34 0.4610 0.4738 0.6058 0.7303 0.8142 0.9081 0.9960 1.1135 1.2324 1.3736 1.5093
35 0.4720 0.5040 0.6500 0.7840 0.8780 0.9840 1.0800 1.2120 1.3440 1.5000 1.6500
36 0.4842 0.5465 0.7075 0.8542 0.9587 1.0749 1.1800 1.3233 1.4671 1.6326 1.7929
37 0.4984 0.6000 0.7773 0.9389 1.0547 1.1802 1.2953 1.4475 1.6017 1.7719 1.9386
38 0.5135 0.6597 0.8533 1.0310 1.1594 1.2945 1.4213 1.5835 1.7500 1.9261 2.1008
39 0.5284 0.7206 0.9295 1.1231 1.2660 1.4129 1.5537 1.7301 1.9141 2.1034 2.2934
40 0.5420 0.7780 1.0000 1.2080 1.3680 1.5300 1.6880 1.8860 2.0960 2.3120 2.5300
41 0.5740 0.8255 1.0592 1.2775 1.4544 1.6343 1.8128 2.0417 2.2890 2.5493 2.8122
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
0 0.3100 0.3560 0.4260 0.5960 0.7473 15
1 0.3412 0.3763 0.4350 0.5997 0.9330 16
2 0.4754 0.4900 0.5259 0.6501 0.8917 17
3 0.6562 0.6471 0.6558 0.7232 0.8614 18
4 0.8272 0.7975 0.7818 0.7947 0.8415 19
5 0.9321 0.8912 0.8611 0.8400 0.8440 20
6 0.9395 0.9183 0.8575 0.8404 0.8440 21
7 0.9467 0.9152 0.8539 0.8402 0.8440 22
8 0.9131 0.8936 0.8503 0.8399 0.8440 23
9 0.8726 0.8653 0.8468 0.8398 0.8440 24
10 0.8408 0.8422 0.8432 0.8338 0.8440 25
11 0.8134 0.8196 0.8274 0.8280 0.8440 26
12 0.7803 0.7896 0.8047 0.8201 0.8440 27
13 0.7473 0.7590 0.7811 0.8122 0.8440 28
14 0.7204 0.7343 0.7624 0.8060 0.8440 29
15 0.7150 0.7319 0.7613 0.8041 0.8440 30
16 0.7093 0.7291 0.7601 0.8076 0.8440 31
17 0.7248 0.7481 0.7752 0.8154 0.8440 32
18 0.7469 0.7736 0.7959 0.8293 0.8560 33
19 0.7696 0.7996 0.8187 0.8469 0.8680 34
20 0.7884 0.8200 0.8400 0.8680 0.8900 35
21 0.7958 0.8303 0.8604 0.8948 0.9220 36
22 0.8053 0.8419 0.8795 0.9245 0.9620 37
23 0.8163 0.8516 0.9026 0.9604 1.0200 38
24 0.8289 0.8707 0.9350 1.0058 1.0880 39
25 0.8580 0.9060 0.9820 1.0640 1.1640 40
26 0.8988 0.9566 1.0413 1.1308 1.2520 41
27 0.9474 1.0179 1.1096 1.2039 1.3400 42
28 1.0063 1.0910 1.1899 1.2897 1.4320 43
29 1.0777 1.1773 1.2856 1.3944 1.5320 44
30 1.1640 1.2780 1.4000 1.5240 1.6580 45
31 1.2649 1.3911 1.5310 1.6778 1.8120 46
32 1.3787 1.5156 1.6764 1.8516 2.0160 47
33 1.5060 1.6549 1.8393 2.0467 2.2560 48
34 1.6476 1.8120 2.0228 2.2644 2.5400 49
35 1.8040 1.9900 2.2300 2.5060 2.8400 50
36 1.9629 2.1767 2.4462 2.7521 3.1700 51
37 2.1239 2.3697 2.6693 3.0018 3.5020 52
38 2.3055 2.5879 2.9214 3.2843 3.8140 53
39 2.5260 2.8497 3.2243 3.6286 4.1360 54
40 2.8040 3.1740 3.6000 4.0640 4.5360 55
41 3.1491 3.5689 4.0580 4.6052 5.0460 56
Blended Non Smoker
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
42 0.6118 0.8665 1.1054 1.3299 1.5296 1.7292 1.9310 2.1979 2.4918 2.8100 3.1309
43 0.6559 0.9104 1.1494 1.3847 1.6100 1.8320 2.0598 2.3691 2.7144 3.0977 3.4836
44 0.7071 0.9664 1.2132 1.4605 1.7120 1.9605 2.2164 2.5696 2.9671 3.4165 3.8681
45 0.7660 1.0440 1.3060 1.5720 1.8520 2.1320 2.4180 2.8140 3.2600 3.7700 4.2820
46 0.8340 1.1471 1.4259 1.7145 2.0266 2.3472 2.6670 3.1032 3.5906 4.1493 4.7100
47 0.9106 1.2694 1.5642 1.8770 2.2251 2.5947 2.9519 3.4276 3.9521 4.5519 5.1536
48 0.9938 1.4050 1.7236 2.0667 2.4522 2.8731 3.2692 3.7856 4.3483 4.9912 5.6359
49 1.0816 1.5485 1.9066 2.2906 2.7129 3.1813 3.6151 4.1756 4.7830 5.4808 6.1797
50 1.1720 1.6940 2.1160 2.5560 3.0120 3.5180 3.9860 4.5960 5.2600 6.0340 6.8080
51 1.2620 1.8388 2.3576 2.8730 3.3557 3.8822 4.3764 5.0385 5.7706 6.6463 7.5186
52 1.3528 1.9868 2.6296 3.2369 3.7406 4.2749 4.7888 5.5043 6.3124 7.3088 8.2963
53 1.4491 2.1420 2.9232 3.6323 4.1576 4.6973 5.2313 6.0056 6.8982 8.0283 9.1442
54 1.5553 2.3084 3.2296 4.0438 4.5978 5.1512 5.7123 6.5548 7.5411 8.8118 10.0657
55 1.6760 2.4900 3.5400 4.4560 5.0520 5.6380 6.2400 7.1640 8.2540 9.6660 11.0640
56 1.8066 2.6876 3.8667 4.8866 5.5301 6.1608 6.8095 7.8189 9.0105 10.5523 12.0843
57 1.9443 2.8984 4.2156 5.3458 6.0380 6.7185 7.4152 8.5111 9.8021 11.4660 13.1244
58 2.0955 3.1215 4.5682 5.8072 6.5610 7.3068 8.0646 9.2624 10.6682 12.4654 14.2666
59 2.2672 3.3557 4.9059 6.2440 7.0846 7.9207 8.7651 10.0948 11.6484 13.6087 15.5931
60 2.4660 3.6000 5.2100 6.6300 7.5940 8.5560 9.5240 11.0300 12.7820 14.9540 17.1860
61 2.6964 3.8404 5.4292 6.8871 8.0075 9.1267 10.2520 11.9835 13.9950 16.4364 19.0085
62 2.9540 4.0776 5.5758 7.0332 8.3348 9.6360 10.9440 12.9410 15.2610 18.0170 21.0058
63 3.2320 4.3325 5.7270 7.1848 8.6986 10.2124 11.7343 14.0289 16.6914 19.7934 23.2332
64 3.5236 4.6263 5.9600 7.4589 9.2215 10.9849 12.7569 15.3737 18.3973 21.8632 25.7461
65 3.8220 4.9800 6.3520 7.9720 10.0260 12.0820 14.1460 17.1020 20.4900 24.3240 28.6000
66 4.1163 5.3699 6.8920 8.7288 11.1427 13.5604 15.9783 19.2839 23.0203 27.1880 31.7456
67 4.4109 5.7820 7.5286 9.6515 12.4900 15.3343 18.1646 21.8351 25.9140 30.3901 35.1459
68 4.7224 6.2518 8.2782 10.7332 14.0219 17.3188 20.5894 24.6503 29.0950 33.9120 38.8750
69 5.0672 6.8146 9.1572 11.9670 15.6925 19.4290 23.1377 27.6243 32.4871 37.7355 43.0063
70 5.4620 7.5060 10.1820 13.3460 17.4560 21.5800 25.6940 30.6520 36.0140 41.8420 47.6140
71 5.9009 8.3109 11.3243 14.8287 19.2596 23.7051 28.1759 33.6381 39.5694 46.1107 52.5634
72 6.3730 9.2060 12.5732 16.4194 21.1339 25.8608 30.6601 36.6528 43.2039 50.5537 57.8054
73 6.8869 10.2133 13.9711 18.1809 23.1579 28.1474 33.2706 39.8388 47.0773 55.3526 63.5415
74 7.4510 11.3552 15.5605 20.1756 25.4109 30.6650 36.1313 43.3389 51.3494 60.6889 69.9738
75 8.0740 12.6540 17.3840 22.4660 27.9720 33.5140 39.3660 47.2960 56.1800 66.7440 77.3040
76 8.8622 14.3938 19.8529 25.5602 31.3516 37.2232 43.5578 52.4334 62.4728 74.7136 87.0586
77 9.6503 16.1335 22.3218 28.6545 34.7313 40.9325 47.7496 57.5707 68.7657 82.6833 96.8132
78 10.4385 17.8733 24.7907 31.7487 38.1109 44.6417 51.9414 62.7081 75.0585 90.6529 106.5678
79 11.2266 19.6131 27.2596 34.8430 41.4906 48.3509 56.1332 67.8455 81.3514 98.6226 116.3225
80 12.0148 21.3529 29.7285 37.9372 44.8702 52.0601 60.3250 72.9828 87.6442 106.5922 126.0771
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
42 3.5491 4.0221 4.5835 5.2329 5.7280 57
43 3.9894 4.5211 5.1626 5.9248 6.5760 58
44 4.4552 5.0532 5.7808 6.6586 7.5480 59
45 4.9320 5.6060 6.4240 7.4120 8.5760 60
46 5.3914 6.1552 7.0717 8.1664 9.5920 61
47 5.8433 6.7090 7.7332 8.9367 10.5520 62
48 6.3300 7.3041 8.4396 9.7507 11.4460 63
49 6.8941 7.9769 9.2215 10.6365 12.3240 64
50 7.5780 8.7640 10.1100 11.6220 13.2660 65
51 8.3853 9.6559 11.0778 12.6590 14.3480 66
52 9.2876 10.6282 12.1045 13.7288 15.5620 67
53 10.2797 11.6952 13.2305 14.9037 16.8420 68
54 11.3562 12.8711 14.4968 16.2560 18.2280 69
55 12.5120 14.1700 15.9440 17.8580 19.8380 70
56 13.6718 15.5104 17.4878 19.6248 21.7820 71
57 14.8392 16.8829 19.1009 21.5083 24.0960 72
58 16.1268 18.4098 20.9099 23.6355 26.6800 73
59 17.6475 20.2134 23.0414 26.1338 29.5740 74
60 19.5140 22.4160 25.6220 29.1300 32.8880 75
61 21.7218 25.0016 28.6123 32.5520 36.7420 76
62 24.1957 27.8883 31.9280 36.3148 41.1740 77
63 26.9426 31.1009 35.6279 40.5271 46.0780 78
64 29.9691 34.6632 39.7710 45.2973 51.4940 79
65 33.2820 38.6000 44.4160 50.7340 57.5300 80
66 36.7717 42.7824 49.4236 56.6934 64.3260 81
67 40.4336 47.1943 54.7547 63.1032 71.9420 82
68 44.4324 52.0285 60.6181 70.1789 80.3300 83
69 48.9323 57.4780 67.2228 78.1361 89.4620 84
70 54.0980 63.7360 74.7780 87.1900 100.1500 85
71 59.7885 70.6248 83.0584 97.3522 112.8940 86
72 65.8939 78.0160 91.9249 108.4790 126.9500 87
73 72.6260 86.1757 101.7148 120.5534 141.8100 88
74 80.1962 95.3696 112.7660 133.5580 156.9340 89
75 88.8160 105.8640 125.4160 147.4760 172.0920 90
76 100.3025 119.9050 142.4123 164.1566 187.5020 91
77 111.7891 133.9460 159.4086 180.8371 203.2820 92
78 123.2756 147.9870 176.4049 197.5177 219.3060 93
79 134.7622 162.0280 193.4012 214.1982 235.4440 94
80 146.2487 176.0690 210.3975 230.8788 251.3600 95
267.1320 96
283.3400 97
299.9920 98
317.0720 99
350.5000 100
414.7060 101
508.0080 102
643.5640 103
813.1800 104
Blended Non Smoker
Attained
Ultimate Age
1,000.0000 105
1,000.0000 106
1,000.0000 107
1,000.0000 108
1,000.0000 109
1,000.0000 110
1,000.0000 111
1,000.0000 112
1,000.0000 113
1,000.0000 114
1,000.0000 115
1,000.0000 116
1,000.0000 117
1,000.0000 118
1,000.0000 119
Blended Smoker
91 Xxxxx, Blended Smoker
Assumes 80% Male, 20% Female
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
0 1.5832 0.9166 0.6448 0.5769 0.5090 0.4449 0.4261 0.3846 0.3770 0.3770 0.3958
1 1.4270 0.8156 0.5596 0.4957 0.4289 0.3826 0.4190 0.3341 0.3449 0.3864 0.4402
2 1.1747 0.7016 0.4914 0.4386 0.3770 0.3460 0.4224 0.3343 0.3741 0.4791 0.5844
3 0.8862 0.5889 0.4397 0.4024 0.3517 0.3355 0.4326 0.3738 0.4443 0.6166 0.7759
4 0.6210 0.4917 0.4035 0.3841 0.3513 0.3512 0.4457 0.4415 0.5357 0.7607 0.9624
5 0.4389 0.4270 0.3841 0.3872 0.3742 0.3934 0.4577 0.5257 0.6279 0.8732 1.0912
6 0.3605 0.4270 0.3698 0.3903 0.4296 0.4883 0.5917 0.6481 0.7358 0.9564 1.1511
7 0.3185 0.4299 0.3743 0.4145 0.5183 0.6304 0.7865 0.8158 0.8729 1.0358 1.1847
8 0.3242 0.4327 0.3810 0.4568 0.6270 0.7922 1.0010 0.9972 1.0168 1.1079 1.2014
9 0.3299 0.4355 0.4245 0.5202 0.7418 0.9466 1.1942 1.1604 1.1454 1.1681 1.2104
10 0.3769 0.4383 0.5064 0.6078 0.8492 1.0661 1.3213 1.2705 1.2338 1.2157 1.2198
11 0.4734 0.5995 0.6566 0.7437 0.9598 1.1522 1.3271 1.3300 1.2855 1.2461 1.2235
12 0.6223 0.8377 0.8688 0.9259 1.0883 1.2231 1.3239 1.3511 1.3073 1.2628 1.2249
13 0.7881 1.0987 1.0978 1.1175 1.2104 1.2767 1.3194 1.3385 1.3013 1.2682 1.2242
14 0.9356 1.3282 1.2985 1.2835 1.3092 1.3106 1.3162 1.3263 1.2959 1.2598 1.2220
15 1.0289 1.4720 1.4239 1.3872 1.3660 1.3054 1.3160 1.3000 1.2760 1.2540 1.2170
16 1.0351 1.5130 1.4654 1.3924 1.3685 1.3028 1.2764 1.2608 1.2422 1.2326 1.2099
17 1.0393 1.4871 1.4471 1.3936 1.3292 1.2518 1.2170 1.1984 1.1854 1.1947 1.1919
18 0.9972 1.4203 1.3928 1.3392 1.2665 1.1857 1.1496 1.1270 1.1200 1.1508 1.1721
19 0.9492 1.3387 1.3245 1.2738 1.1990 1.1214 1.0857 1.0608 1.0607 1.1111 1.1558
20 0.9140 1.2680 1.2640 1.2180 1.1463 1.0720 1.0393 1.0140 1.0220 1.0860 1.1486
21 0.8914 1.2012 1.2038 1.1670 1.1012 1.0377 1.0050 1.0129 1.0324 1.0988 1.1483
22 0.8691 1.1210 1.1293 1.1042 1.0524 1.0070 0.9794 1.0142 1.0453 1.1148 1.1562
23 0.8470 1.0380 1.0518 1.0396 1.0080 0.9838 0.9639 1.0174 1.0601 1.1329 1.1651
24 0.8257 0.9628 0.9825 0.9835 0.9742 0.9716 0.9716 1.0215 1.0759 1.1523 1.2003
25 0.8060 0.9060 0.9336 0.9460 0.9580 0.9802 0.9800 1.0260 1.0920 1.1720 1.2680
26 0.7843 0.8700 0.9023 0.9526 0.9618 0.9885 1.0140 1.0790 1.1611 1.2604 1.3729
27 0.7615 0.8439 0.8818 0.9593 0.9656 1.0115 1.0622 1.1483 1.2485 1.3746 1.5080
28 0.7398 0.8298 0.8800 0.9672 0.9888 1.0486 1.1266 1.2352 1.3544 1.5101 1.6661
29 0.7225 0.8276 0.8867 0.9777 1.0303 1.1051 1.2099 1.3407 1.4788 1.6620 1.8398
30 0.7158 0.8282 0.9020 0.9920 1.0940 1.1860 1.3140 1.4660 1.6220 1.8260 2.0220
31 0.7167 0.8348 0.9367 1.0560 1.1818 1.2951 1.4421 1.6136 1.7841 1.9964 2.2028
32 0.7257 0.8485 0.9838 1.1382 1.2909 1.4288 1.5928 1.7828 1.9652 2.1765 2.3871
33 0.7385 0.8656 1.0461 1.2387 1.4187 1.5818 1.7614 1.9697 2.1647 2.3744 2.5895
34 0.7665 0.9024 1.1265 1.3579 1.5626 1.7487 1.9433 2.1707 2.3824 2.5982 2.8250
35 0.8100 0.9600 1.2280 1.4960 1.7200 1.9240 2.1340 2.3820 2.6180 2.8560 3.1080
36 0.8692 1.0414 1.3543 1.6553 1.8882 2.1005 2.3228 2.5896 2.8570 3.1364 3.4276
37 0.9418 1.1432 1.5032 1.8356 2.0691 2.2819 2.5127 2.7959 3.0996 3.4340 3.7737
38 1.0275 1.2606 1.6696 2.0334 2.2663 2.4789 2.7198 3.0220 3.3676 3.7658 4.1635
39 1.1257 1.3891 1.8477 2.2453 2.4840 2.7027 2.9602 3.2890 3.6825 4.1495 4.6132
40 1.2360 1.5240 2.0320 2.4680 2.7260 2.9640 3.2500 3.6180 4.0660 4.6020 5.1400
41 1.3632 1.6604 2.2146 2.6919 2.9853 3.2580 3.5879 4.0144 4.5303 5.1435 5.7777
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
0 0.4599 0.5278 0.6297 0.8751 1.0930 15
1 0.5429 0.5949 0.6807 0.8998 1.3561 16
2 0.7406 0.7631 0.8159 0.9748 1.2975 17
3 0.9863 0.9745 0.9880 1.0726 1.2546 18
4 1.2133 1.1717 1.1499 1.1656 1.2265 19
5 1.3548 1.2968 1.2542 1.2264 1.2300 20
6 1.3606 1.3328 1.2490 1.2270 1.2300 21
7 1.3664 1.3234 1.2438 1.2277 1.2300 22
8 1.3142 1.2890 1.2386 1.2283 1.2300 23
9 1.2581 1.2502 1.2333 1.2290 1.2300 24
10 1.2241 1.2274 1.2277 1.2295 1.2300 25
11 1.2208 1.2234 1.2234 1.2294 1.2300 26
12 1.2172 1.2194 1.2188 1.2292 1.2300 27
13 1.2144 1.2167 1.2156 1.2284 1.2300 28
14 1.2126 1.2155 1.2138 1.2270 1.2300 29
15 1.2104 1.2171 1.2138 1.2281 1.2300 30
16 1.2091 1.2201 1.2147 1.2313 1.2300 31
17 1.2074 1.2261 1.2195 1.2405 1.2440 32
18 1.2058 1.2320 1.2254 1.2507 1.2840 33
19 1.2042 1.2380 1.2454 1.2793 1.3320 34
20 1.2062 1.2440 1.2840 1.3320 1.4000 35
21 1.2169 1.2771 1.3383 1.4091 1.4960 36
22 1.2395 1.3157 1.4039 1.5049 1.6120 37
23 1.2635 1.3678 1.4853 1.6192 1.7600 38
24 1.3137 1.4413 1.5866 1.7517 1.9360 39
25 1.3960 1.5440 1.7120 1.9020 2.1240 40
26 1.5146 1.6786 1.8611 2.0655 2.3240 41
27 1.6628 1.8400 2.0310 2.2425 2.5360 42
28 1.8341 2.0240 2.2225 2.4398 2.7360 43
29 2.0219 2.2267 2.4366 2.6646 2.9480 44
30 2.2200 2.4440 2.6740 2.9240 3.1980 45
31 2.4163 2.6624 2.9209 3.2045 3.4920 46
32 2.6151 2.8847 3.1766 3.5013 3.8480 47
33 2.8343 3.1311 3.4620 3.8346 4.2560 48
34 3.0920 3.4221 3.7982 4.2248 4.7160 49
35 3.4060 3.7780 4.2060 4.6920 5.2240 50
36 3.7662 4.1913 4.6818 5.2382 5.8140 51
37 4.1606 4.6484 5.2117 5.8500 6.4840 52
38 4.6044 5.1606 5.8011 6.5242 7.2440 53
39 5.1131 5.7394 6.4554 7.2580 8.0720 54
40 5.7020 6.3960 7.1800 8.0480 8.9660 55
41 6.4124 7.1642 7.9925 8.8868 9.9120 56
Blended Smoker
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
42 1.5075 1.8013 2.3992 2.9193 3.2595 3.5773 3.9630 4.4641 5.0609 5.7626 6.5152
43 1.6618 1.9541 2.5976 3.1644 3.5586 3.9293 4.3776 4.9590 5.6396 6.4290 7.3016
44 1.8191 2.1266 2.8219 3.4412 3.8934 4.3218 4.8332 5.4910 6.2480 7.1129 8.0855
45 1.9720 2.3260 3.0840 3.7640 4.2740 4.7620 5.3320 6.0520 6.8680 7.7840 8.8160
46 2.1056 2.5426 3.3755 4.1279 4.7040 5.2631 5.8903 6.6539 7.5003 8.4226 9.4472
47 2.2246 2.7714 3.6884 4.5235 5.1764 5.8203 6.5067 7.3019 8.1571 9.0488 10.0131
48 2.3517 3.0271 4.0354 4.9579 5.6860 6.4136 7.1569 7.9785 8.8371 9.6923 10.5826
49 2.5093 3.3244 4.4291 5.4383 6.2276 7.0234 7.8161 8.6657 9.5392 10.3828 11.2246
50 2.7200 3.6780 4.8820 5.9720 6.7960 7.6300 8.4600 9.3460 10.2620 11.1500 12.0080
51 2.9857 4.1025 5.4128 6.5741 7.3878 8.2103 9.0562 9.9728 10.9506 11.9381 12.8634
52 3.2913 4.5883 6.0130 7.2399 8.0064 8.7776 9.6210 10.5579 11.6057 12.7272 13.7451
53 3.6341 5.1130 6.6549 7.9464 8.6570 9.3661 10.2029 11.1711 12.3099 13.6011 14.7569
54 4.0113 5.6550 7.3105 8.6708 9.3445 10.0108 10.8504 11.8819 13.1458 14.6441 16.0026
55 4.4200 6.1920 7.9520 9.3900 10.0740 10.7460 11.6120 12.7600 14.1960 15.9400 17.5860
56 4.8709 6.7124 8.5690 10.0976 10.8508 11.5892 12.5015 13.8325 15.4970 17.5203 19.5687
57 5.3656 7.2311 9.1801 10.8088 11.6713 12.5172 13.4865 15.0528 16.9939 19.3289 21.8812
58 5.8887 7.7652 9.8008 11.5335 12.5280 13.5040 14.5464 16.3805 18.6317 21.3188 24.4317
59 6.4240 8.3324 10.4469 12.2813 13.4128 14.5236 15.6604 17.7751 20.3554 23.4428 27.1280
60 6.9560 8.9500 11.1340 13.0620 14.3180 15.5500 16.8080 19.1960 22.1100 25.6540 29.8780
61 7.4486 9.6104 11.8548 13.8566 15.1962 16.4645 17.8454 20.4936 23.7627 27.9001 32.6771
62 7.9122 10.3020 12.5988 14.6588 16.0528 17.2847 18.7864 21.6949 25.3500 30.2127 35.5868
63 8.4010 11.0363 13.3771 15.4967 16.9584 18.1881 19.8466 23.0244 27.0714 32.6697 38.6139
64 8.9690 11.8245 14.2005 16.3990 17.9846 19.3527 21.2412 24.7067 29.1263 35.3495 41.7653
65 9.6700 12.6780 15.0800 17.3940 19.2020 20.9560 23.1860 26.9660 31.7140 38.3300 45.0480
66 10.5252 13.5640 15.9291 18.3750 20.5247 23.0395 25.7643 29.8805 34.8719 41.5236 48.2748
67 11.4984 14.4751 16.7403 19.3233 21.9051 25.4847 28.8325 33.3005 38.4671 44.8782 51.4411
68 12.5583 15.4601 17.6437 20.3985 23.4726 28.2295 32.2653 37.1090 42.4435 48.5254 54.8277
69 13.6733 16.5688 18.7689 21.7608 25.3565 31.2119 35.9375 41.1892 46.7451 52.5968 58.7151
70 14.8120 17.8500 20.2460 23.5700 27.6860 34.3700 39.7240 45.4240 51.3160 57.2240 63.3840
71 15.9497 19.2917 22.0699 25.8129 30.4277 37.6250 43.5151 49.6955 56.0437 62.3299 68.7930
72 17.1075 20.8610 24.1541 28.3829 33.4952 41.0182 47.3944 54.0815 60.9656 67.8267 74.7550
73 18.3221 22.5763 26.5060 31.2999 36.9390 44.6677 51.5261 58.7593 66.2502 73.8302 81.3321
74 19.6307 24.4558 29.1329 34.5837 40.8091 48.6917 56.0745 63.9057 72.0662 80.4560 88.5865
75 21.0700 26.5180 32.0420 38.2540 45.1560 53.2080 61.2040 69.6980 78.5820 87.8200 96.5800
76 22.8523 29.1037 35.7882 43.0577 50.8659 59.0442 67.8576 77.1915 86.9728 97.2439 106.7086
77 24.6346 31.6893 39.5345 47.8614 56.5758 64.8804 74.5112 84.6850 95.3636 106.6678 116.8372
78 26.4170 34.2750 43.2807 52.6650 62.2858 70.7166 81.1648 92.1785 103.7544 116.0917 126.9658
79 28.1993 36.8607 47.0269 57.4687 67.9957 76.5528 87.8184 99.6720 112.1453 125.5156 137.0944
80 29.9816 39.4463 50.7732 62.2724 73.7056 82.3891 94.4721 107.1655 120.5361 134.9396 147.2230
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
42 7.2342 8.0363 8.8893 9.7763 10.8860 57
43 8.1053 8.9620 9.8439 10.7281 11.8540 58
44 8.9633 9.8907 10.8303 11.7536 12.8680 59
45 9.7460 10.7720 11.8220 12.8640 13.9880 60
46 10.3813 11.5360 12.7579 14.0165 15.3040 61
47 10.9105 12.2165 13.6557 15.2035 16.8420 62
48 11.4421 12.9181 14.6069 16.4893 18.5700 63
49 12.0845 13.7457 15.7031 17.9387 20.4640 64
50 12.9460 14.8040 17.0360 19.6160 22.5540 65
51 13.9662 16.0316 18.5548 21.4853 24.8360 66
52 15.0728 17.3585 20.1985 23.5034 27.3120 67
53 16.3566 18.8770 22.0431 25.7246 29.9620 68
54 17.9080 20.6794 24.1648 28.2027 32.7980 69
55 19.8180 22.8580 26.6400 30.9920 35.8560 70
56 22.1541 25.4777 29.5183 34.1205 39.1720 71
57 24.8557 28.4770 32.7491 37.5521 42.7700 72
58 27.8216 31.7584 36.2575 41.2446 46.6380 73
59 30.9502 35.2245 39.9687 45.1560 50.7560 74
60 34.1400 38.7780 43.8080 49.2440 55.1160 75
61 37.4360 42.4636 47.7984 53.4910 59.7140 76
62 40.9059 46.3465 51.9898 57.9253 64.5120 77
63 44.4821 50.3592 56.3475 62.5731 69.4800 78
64 48.0972 54.4342 60.8371 67.4606 74.6620 79
65 51.6840 58.5040 65.4240 72.6140 80.1660 80
66 54.9404 62.2388 69.7508 77.6736 86.1180 81
67 57.9116 65.6835 73.8405 82.6218 92.5100 82
68 61.0501 69.3329 78.2292 87.9983 99.2300 83
69 64.8087 73.6821 83.4531 94.3431 106.3340 84
70 69.6400 79.2260 90.0480 102.1960 115.5500 85
71 75.5340 85.9481 97.9735 111.7626 127.7680 86
72 82.1888 93.5184 106.8724 122.6833 141.5280 87
73 89.6197 101.9617 116.8053 134.6492 155.9880 88
74 97.8417 111.3026 127.8329 147.3517 170.2920 89
75 106.8700 121.5660 140.0160 160.4820 183.8720 90
76 118.2970 134.5637 155.5846 175.3075 196.8200 91
77 129.7240 147.5615 171.1533 190.1330 209.6340 92
78 141.1509 160.5592 186.7219 204.9586 222.7340 93
79 152.5779 173.5569 202.2906 219.7841 236.5100 94
80 164.0049 186.5547 217.8592 234.6096 251.3600 95
267.1320 96
283.3400 97
299.9920 98
317.0720 99
350.5000 100
414.7060 101
508.0080 102
643.5640 103
813.1800 104
Blended Smoker
Attained
Ultimate Age
1,000.0000 105
1,000.0000 106
1,000.0000 107
1,000.0000 108
1,000.0000 109
1,000.0000 110
1,000.0000 111
1,000.0000 112
1,000.0000 113
1,000.0000 114
1,000.0000 115
1,000.0000 116
1,000.0000 117
1,000.0000 118
1,000.0000 119
Female Non Smoker
91 Xxxxx, Female Non Smoker
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
0 0.8400 0.3300 0.3000 0.2700 0.2400 0.2200 0.2000 0.1800 0.1900 0.1900 0.2100
1 0.7147 0.2467 0.2149 0.1886 0.1607 0.2178 0.2058 0.1172 0.1314 0.1398 0.1647
2 0.5718 0.2094 0.1771 0.1586 0.1360 0.2156 0.2116 0.1225 0.1421 0.1632 0.1939
3 0.4294 0.2010 0.1696 0.1611 0.1459 0.2134 0.2174 0.1670 0.1920 0.2267 0.2628
4 0.3054 0.2043 0.1757 0.1771 0.1702 0.2112 0.2232 0.2222 0.2511 0.2967 0.3364
5 0.2179 0.2052 0.1780 0.1864 0.1890 0.2091 0.2292 0.2593 0.2894 0.3395 0.3796
6 0.2159 0.2061 0.1855 0.1956 0.2072 0.2336 0.2513 0.2806 0.3079 0.3456 0.3786
7 0.2139 0.2102 0.1927 0.2140 0.2383 0.2708 0.2814 0.3052 0.3266 0.3517 0.3776
8 0.2119 0.2143 0.2117 0.2379 0.2747 0.3122 0.3137 0.3297 0.3440 0.3578 0.3766
9 0.2099 0.2184 0.2331 0.2625 0.3088 0.3493 0.3425 0.3508 0.3584 0.3639 0.3755
10 0.2131 0.2224 0.2526 0.2829 0.3330 0.3736 0.3513 0.3554 0.3642 0.3670 0.3728
11 0.2162 0.2431 0.2726 0.3000 0.3389 0.3705 0.3608 0.3621 0.3682 0.3700 0.3706
12 0.2290 0.2718 0.2957 0.3170 0.3448 0.3673 0.3595 0.3588 0.3681 0.3678 0.3668
13 0.2438 0.3029 0.3187 0.3326 0.3496 0.3646 0.3590 0.3576 0.3662 0.3656 0.3636
14 0.2583 0.3306 0.3382 0.3454 0.3534 0.3623 0.3593 0.3584 0.3626 0.3622 0.3611
15 0.2674 0.3393 0.3432 0.3490 0.3549 0.3598 0.3581 0.3571 0.3612 0.3607 0.3593
16 0.2765 0.3479 0.3482 0.3526 0.3553 0.3576 0.3576 0.3578 0.3581 0.3579 0.3582
17 0.2830 0.3467 0.3453 0.3510 0.3535 0.3552 0.3557 0.3564 0.3573 0.3570 0.3579
18 0.2895 0.3455 0.3424 0.3494 0.3517 0.3528 0.3538 0.3550 0.3565 0.3561 0.3576
19 0.2961 0.3443 0.3396 0.3477 0.3499 0.3504 0.3519 0.3535 0.3558 0.3552 0.3574
20 0.2946 0.3371 0.3337 0.3432 0.3466 0.3473 0.3510 0.3536 0.3589 0.3579 0.3630
21 0.2931 0.3298 0.3279 0.3386 0.3433 0.3441 0.3500 0.3536 0.3620 0.3612 0.3687
22 0.2835 0.3108 0.3160 0.3312 0.3386 0.3402 0.3500 0.3552 0.3690 0.3699 0.3837
23 0.2739 0.2899 0.3035 0.3238 0.3339 0.3363 0.3500 0.3568 0.3760 0.3792 0.4032
24 0.2644 0.2709 0.2943 0.3164 0.3293 0.3324 0.3500 0.3584 0.3830 0.3959 0.4283
25 0.2591 0.2635 0.2893 0.3158 0.3284 0.3355 0.3585 0.3600 0.3900 0.4200 0.4600
26 0.2539 0.2560 0.2861 0.3152 0.3282 0.3386 0.3669 0.3811 0.4150 0.4509 0.4972
27 0.2529 0.2545 0.2871 0.3214 0.3338 0.3532 0.3896 0.4087 0.4457 0.4873 0.5393
28 0.2519 0.2530 0.2881 0.3276 0.3400 0.3729 0.4179 0.4427 0.4829 0.5302 0.5878
29 0.2510 0.2515 0.2891 0.3338 0.3552 0.3982 0.4514 0.4832 0.5274 0.5807 0.6442
30 0.2535 0.2545 0.2900 0.3400 0.3800 0.4300 0.4900 0.5300 0.5800 0.6400 0.7100
31 0.2560 0.2588 0.3116 0.3716 0.4163 0.4673 0.5317 0.5819 0.6403 0.7080 0.7857
32 0.2620 0.2676 0.3414 0.4134 0.4621 0.5097 0.5766 0.6390 0.7078 0.7840 0.8702
33 0.2680 0.2811 0.3764 0.4615 0.5149 0.5585 0.6278 0.7030 0.7830 0.8680 0.9630
34 0.2740 0.2984 0.4136 0.5117 0.5718 0.6148 0.6879 0.7761 0.8669 0.9600 1.0631
35 0.2800 0.3200 0.4500 0.5600 0.6300 0.6800 0.7600 0.8600 0.9600 1.0600 1.1700
36 0.3089 0.3470 0.4864 0.6077 0.6920 0.7572 0.8466 0.9556 1.0605 1.1630 1.2756
37 0.3478 0.3789 0.5248 0.6574 0.7596 0.8456 0.9457 1.0616 1.1678 1.2691 1.3804
38 0.3914 0.4143 0.5640 0.7074 0.8292 0.9404 1.0535 1.1768 1.2850 1.3857 1.4964
39 0.4339 0.4518 0.6028 0.7555 0.8972 1.0368 1.1662 1.3000 1.4147 1.5202 1.6356
40 0.4700 0.4900 0.6400 0.8000 0.9600 1.1300 1.2800 1.4300 1.5600 1.6800 1.8100
41 0.4974 0.5237 0.6826 0.8427 1.0046 1.2085 1.3855 1.5598 1.7176 1.8671 2.0268
42 0.5197 0.5538 0.7026 0.8516 1.0335 1.2754 1.4854 1.6901 1.8856 2.0766 2.2780
43 0.5403 0.5882 0.7026 0.8605 1.0661 1.3482 1.5934 1.8315 2.0688 2.3054 2.5528
44 0.5626 0.6343 0.7405 0.9002 1.1218 1.4439 1.7237 1.9946 2.2720 2.5509 2.8404
45 0.5900 0.7000 0.8100 0.9800 1.2200 1.5800 1.8900 2.1900 2.5000 2.8100 3.1300
46 0.6189 0.7876 0.9120 1.1013 1.3656 1.7674 2.1058 2.4320 2.7645 3.0878 3.4200
47 0.6470 0.8920 1.0372 1.2518 1.5456 1.9947 2.3619 2.7136 3.0622 3.3861 3.7176
48 0.6798 1.0096 1.1844 1.4298 1.7528 2.2453 2.6381 3.0132 3.3758 3.6975 4.0252
49 0.7223 1.1368 1.3524 1.6331 1.9800 2.5026 2.9142 3.3092 3.6875 4.0146 4.3452
50 0.7800 1.2700 1.5400 1.8600 2.2200 2.7500 3.1700 3.5800 3.9800 4.3300 4.6800
51 0.8582 1.4188 1.7594 2.1214 2.4800 2.9844 3.3979 3.8102 4.2343 4.6244 5.0066
52 0.9535 1.5856 2.0113 2.4187 2.7648 3.2168 3.6114 4.0143 4.4622 4.9028 5.3233
53 1.0577 1.7560 2.2775 2.7353 3.0636 3.4520 3.8218 4.2153 4.6918 5.1940 5.6647
54 1.1626 1.9156 2.5398 3.0546 3.3656 3.6948 4.0409 4.4362 4.9517 5.5268 6.0654
55 1.2600 2.0500 2.7800 3.3600 3.6600 3.9500 4.2800 4.7000 5.2700 5.9300 6.5600
56 1.3487 2.1499 2.9991 3.6582 3.9439 4.2085 4.5203 4.9847 5.6182 6.3670 7.1079
57 1.4342 2.2250 3.2094 3.9601 4.2246 4.4670 4.7542 5.2750 5.9773 6.8185 7.6862
58 1.5182 2.2890 3.4090 4.2559 4.5062 4.7394 5.0098 5.6038 6.3903 7.3395 8.3554
59 1.6029 2.3561 3.5965 4.5358 4.7933 5.0391 5.3157 6.0045 6.9002 7.9850 9.1765
60 1.6900 2.4400 3.7700 4.7900 5.0900 5.3800 5.7000 6.5100 7.5500 8.8100 10.2100
61 1.7740 2.5315 3.8976 4.9704 5.3494 5.7143 6.1170 7.0673 8.2804 9.7496 11.3699
62 1.8536 2.6214 3.9804 5.0836 5.5685 6.0330 6.5479 7.6542 9.0628 10.7672 12.6158
63 1.9372 2.7234 4.0664 5.2016 5.8179 6.4074 7.0613 8.3506 9.9860 11.9600 14.0766
64 2.0332 2.8517 4.2036 5.3964 6.1682 6.9093 7.7258 9.2359 11.1388 13.4252 15.8817
65 2.1500 3.0200 4.4400 5.7400 6.6900 7.6100 8.6100 10.3900 12.6100 15.2600 18.1600
66 2.2678 3.2044 4.7823 6.2623 7.4229 8.5595 9.7500 11.8659 14.4846 17.5959 21.1404
67 2.3809 3.3956 5.1986 6.9154 8.3198 9.7102 11.1000 13.6106 16.7033 20.3682 24.7368
68 2.5191 3.6296 5.6786 7.6542 9.3214 10.9870 12.6060 15.5442 19.1387 23.3794 28.6060
69 2.7122 3.9424 6.2125 8.4341 10.3679 12.3153 14.2140 17.5873 21.6634 26.4325 32.4048
70 2.9900 4.3700 6.7900 9.2100 11.4000 13.6200 15.8700 19.6600 24.1500 29.3300 35.7900
71 3.3459 4.9007 7.4007 9.9629 12.3877 14.8595 17.5193 21.6909 26.5101 31.9634 38.6120
72 3.7602 5.5106 8.0512 10.7227 13.3706 16.0837 19.1978 23.7330 28.8287 34.4643 41.0996
73 4.2425 6.2171 8.7573 11.5181 14.3937 17.3551 20.9877 25.8937 31.2382 36.9954 43.4773
74 4.8025 7.0378 9.5350 12.3776 15.5018 18.7364 22.9711 28.2803 33.8712 39.7197 45.9692
75 5.4500 7.9900 10.4000 13.3300 16.7400 20.2900 25.2300 31.0000 36.8600 42.8000 48.8000
76 6.3468 9.3137 11.5059 14.5226 18.3083 22.2773 28.2061 34.5762 40.7398 46.7312 52.3479
77 7.2436 10.6375 12.6117 15.7152 19.8765 24.2646 31.1822 38.1524 44.6197 50.6625 55.8957
78 8.1404 11.9612 13.7176 16.9078 21.4448 26.2519 34.1583 41.7286 48.4995 54.5937 59.4436
79 9.0372 13.2850 14.8234 18.1004 23.0131 28.2392 37.1344 45.3048 52.3794 58.5250 62.9914
80 9.9339 14.6087 15.9293 19.2930 24.5814 30.2264 40.1105 48.8810 56.2592 62.4562 66.5393
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
0 0.2300 0.2600 0.2900 0.3400 0.3800 15
1 0.1828 0.2102 0.2376 0.3472 0.3800 16
2 0.2076 0.2286 0.2495 0.3544 0.3800 17
3 0.2710 0.2838 0.2965 0.3616 0.3800 18
4 0.3395 0.3447 0.3497 0.3688 0.3800 19
5 0.3797 0.3799 0.3799 0.3728 0.3800 20
6 0.3797 0.3799 0.3799 0.3768 0.3800 21
7 0.3797 0.3799 0.3799 0.3776 0.3800 22
8 0.3797 0.3799 0.3799 0.3784 0.3800 23
9 0.3797 0.3799 0.3799 0.3792 0.3800 24
10 0.3797 0.3800 0.3800 0.3796 0.3800 25
11 0.3784 0.3786 0.3800 0.3800 0.3800 26
12 0.3771 0.3773 0.3790 0.3800 0.3800 27
13 0.3742 0.3746 0.3780 0.3800 0.3800 28
14 0.3698 0.3704 0.3766 0.3800 0.3800 29
15 0.3694 0.3705 0.3786 0.3800 0.3800 30
16 0.3675 0.3690 0.3802 0.3880 0.3800 31
17 0.3697 0.3718 0.3852 0.3960 0.3800 32
18 0.3719 0.3746 0.3902 0.4040 0.4000 33
19 0.3740 0.3773 0.3951 0.4120 0.4200 34
20 0.3818 0.3800 0.4000 0.4200 0.4500 35
21 0.3895 0.3982 0.4245 0.4493 0.4900 36
22 0.4058 0.4211 0.4555 0.4854 0.5300 37
23 0.4268 0.4498 0.4931 0.5290 0.5800 38
24 0.4543 0.4857 0.5378 0.5803 0.6400 39
25 0.4900 0.5300 0.5900 0.6400 0.7000 40
26 0.5330 0.5823 0.6483 0.7066 0.7800 41
27 0.5823 0.6418 0.7126 0.7797 0.8600 42
28 0.6390 0.7090 0.7846 0.8615 0.9600 43
29 0.7045 0.7849 0.8665 0.9542 1.0600 44
30 0.7800 0.8700 0.9600 1.0600 1.1700 45
31 0.8667 0.9641 1.0646 1.1777 1.3000 46
32 0.9638 1.0666 1.1789 1.3058 1.4400 47
33 1.0694 1.1782 1.3039 1.4462 1.6000 48
34 1.1821 1.2991 1.4406 1.6003 1.7800 49
35 1.3000 1.4300 1.5900 1.7700 1.9600 50
36 1.4130 1.5625 1.7454 1.9509 2.1700 51
37 1.5221 1.6962 1.9063 2.1418 2.3900 52
38 1.6427 1.8438 2.0825 2.3494 2.6300 53
39 1.7902 2.0175 2.2838 2.5799 2.8800 54
40 1.9800 2.2300 2.5200 2.8400 3.1600 55
41 2.2230 2.4890 2.7950 3.1277 3.4700 56
42 2.5091 2.7863 3.1023 3.4386 3.8000 57
43 2.8217 3.1101 3.4361 3.7758 4.1600 58
44 3.1442 3.4486 3.7906 4.1419 4.5400 59
45 3.4600 3.7900 4.1600 4.5400 4.9600 60
46 3.7575 4.1214 4.5305 4.9562 5.4400 61
47 4.0478 4.4507 4.9058 5.3887 5.9600 62
48 4.3482 4.7973 5.3070 5.8581 6.5100 63
49 4.6765 5.1806 5.7547 6.3850 7.1000 64
50 5.0500 5.6200 6.2700 6.9900 7.7700 65
51 5.4493 6.0919 6.8246 7.6398 8.5400 66
52 5.8626 6.5834 7.4047 8.3205 9.4100 67
53 6.3194 7.1298 8.0525 9.0823 10.3300 68
54 6.8487 7.7669 8.8102 9.9754 11.3400 69
55 7.4800 8.5300 9.7200 11.0500 12.5100 70
56 8.1625 9.3608 10.7148 12.2298 13.9100 71
57 8.8766 10.2356 11.7664 13.4815 15.5200 72
58 9.6986 11.2420 12.9756 14.9193 17.2800 73
59 10.7043 12.4676 14.4432 16.6574 19.2300 74
60 11.9700 14.0000 16.2700 18.8100 21.5200 75
61 13.4026 15.7402 18.3526 21.2710 24.3100 76
62 14.9515 17.6297 20.6239 23.9641 27.6300 77
63 16.7561 19.8171 23.2389 27.0487 31.3900 78
64 18.9558 22.4510 26.3526 30.6842 35.5900 79
65 21.6900 25.6800 30.1200 35.0300 40.3700 80
66 25.1727 29.6730 34.6350 40.0737 45.8700 81
67 29.3110 34.3309 39.7941 45.7090 52.1100 82
68 33.7838 39.4003 45.4567 51.9546 59.0100 83
69 38.2705 44.6278 51.4822 58.8287 66.5900 84
70 42.4500 49.7600 57.7300 66.3500 75.5900 85
71 46.1571 54.6102 63.9769 74.5069 86.3900 86
72 49.6057 59.3474 70.3168 83.2872 98.3500 87
73 53.0437 64.2516 77.0841 92.7080 111.0100 88
74 56.7192 69.6024 84.6137 102.7866 123.8700 89
75 60.8800 75.6800 93.2400 113.5400 136.6600 90
76 66.1663 83.5643 104.7105 126.2952 149.5100 91
77 71.4526 91.4487 116.1809 139.0505 162.6100 92
78 76.7389 99.3330 127.6514 151.8057 176.0500 93
79 82.0252 107.2174 139.1219 164.5609 189.9000 94
80 87.3115 115.1017 150.5924 177.3162 204.0400 95
218.5000 96
233.5000 97
249.0400 98
265.1200 99
296.3000 100
363.2100 101
468.3200 102
613.2600 103
796.7400 104
1,000.0000 105
1,000.0000 106
1,000.0000 107
1,000.0000 108
1,000.0000 109
1,000.0000 110
1,000.0000 111
1,000.0000 112
1,000.0000 113
1,000.0000 114
1,000.0000 115
1,000.0000 116
1,000.0000 117
1,000.0000 118
1,000.0000 119
Female Smoker
91 Xxxxx, Female Smoker
Duration/Issue
Age 0 1 2 3 4 5 6 7 8 9 10
0 1.5695 0.6166 0.5605 0.5045 0.4484 0.4111 0.3737 0.3363 0.3550 0.3550 0.3924
1 1.4090 0.5360 0.4766 0.4275 0.3737 0.4070 0.3172 0.2925 0.3189 0.3344 0.3812
2 1.1513 0.4779 0.4176 0.3833 0.3368 0.4029 0.3138 0.3114 0.3480 0.3870 0.4450
3 0.8576 0.4371 0.3787 0.3631 0.3276 0.3988 0.3440 0.3670 0.4137 0.4777 0.5461
4 0.5892 0.4084 0.3553 0.3583 0.3364 0.3947 0.3886 0.4333 0.4875 0.5718 0.6468
5 0.4071 0.4004 0.3508 0.3670 0.3531 0.3907 0.4282 0.4845 0.5407 0.6343 0.7093
6 0.4027 0.3924 0.3462 0.3757 0.3891 0.4391 0.4729 0.5275 0.5783 0.6655 0.7074
7 0.3983 0.3982 0.3690 0.4105 0.4509 0.5138 0.5356 0.5796 0.6191 0.6888 0.7055
8 0.3939 0.4040 0.4030 0.4545 0.5216 0.5950 0.6012 0.6302 0.6561 0.7035 0.7036
9 0.3894 0.4098 0.4400 0.4972 0.5844 0.6630 0.6545 0.6690 0.6820 0.7046 0.7017
10 0.3898 0.4155 0.4720 0.5286 0.6222 0.6980 0.6621 0.6698 0.6761 0.7057 0.6942
11 0.3924 0.4537 0.5032 0.5497 0.6208 0.6903 0.6697 0.6705 0.6701 0.6866 0.6867
12 0.3999 0.5087 0.5391 0.5674 0.6194 0.6528 0.6324 0.6315 0.6285 0.6523 0.6683
13 0.4098 0.5671 0.5732 0.5765 0.5975 0.6005 0.5825 0.5815 0.5777 0.6120 0.6482
14 0.4197 0.6153 0.5988 0.5813 0.5719 0.5480 0.5337 0.5333 0.5305 0.5748 0.6302
15 0.4243 0.6400 0.5994 0.5758 0.5500 0.5100 0.5000 0.5000 0.5000 0.5500 0.6244
16 0.4257 0.6364 0.6000 0.5659 0.5286 0.4854 0.4928 0.4940 0.5020 0.5500 0.6185
17 0.4169 0.6136 0.5752 0.5366 0.5027 0.4644 0.4856 0.4880 0.5040 0.5500 0.6189
18 0.4013 0.5785 0.5421 0.5025 0.4771 0.4487 0.4784 0.4820 0.5060 0.5500 0.6193
19 0.3847 0.5383 0.5080 0.4710 0.4566 0.4444 0.4713 0.4760 0.5080 0.5500 0.6197
20 0.3700 0.5000 0.4800 0.4500 0.4516 0.4400 0.4763 0.4700 0.5100 0.5500 0.6200
21 0.3560 0.4578 0.4558 0.4500 0.4506 0.4504 0.4813 0.4964 0.5458 0.5902 0.6609
22 0.3409 0.4071 0.4305 0.4500 0.4550 0.4700 0.5072 0.5352 0.5945 0.6459 0.7169
23 0.3263 0.3565 0.4078 0.4500 0.4695 0.4964 0.5403 0.5828 0.6523 0.7125 0.7845
24 0.3140 0.3146 0.3911 0.4500 0.4884 0.5272 0.5785 0.6356 0.7154 0.7854 0.8600
25 0.3102 0.2900 0.3880 0.4500 0.5100 0.5600 0.6200 0.6900 0.7800 0.8600 0.9400
26 0.3064 0.2901 0.3875 0.4592 0.5306 0.5911 0.6624 0.7428 0.8417 0.9306 1.0178
27 0.3073 0.2901 0.3908 0.4683 0.5512 0.6222 0.7068 0.7964 0.9030 1.0003 1.0959
28 0.3082 0.3075 0.4050 0.4841 0.5776 0.6586 0.7571 0.8556 0.9706 1.0777 1.1841
29 0.3091 0.3346 0.4304 0.5126 0.6153 0.7061 0.8169 0.9252 1.0507 1.1714 1.2922
30 0.3100 0.3700 0.4700 0.5600 0.6700 0.7700 0.8900 1.0100 1.1500 1.2900 1.4300
31 0.3413 0.4142 0.5268 0.6320 0.7466 0.8563 0.9794 1.1116 1.2682 1.4294 1.5888
32 0.3826 0.4683 0.5988 0.7244 0.8413 0.9614 1.0827 1.2268 1.4011 1.5839 1.7620
33 0.4343 0.5313 0.6815 0.8288 0.9467 1.0762 1.1953 1.3532 1.5489 1.7597 1.9628
34 0.4966 0.6022 0.7701 0.9368 1.0554 1.1921 1.3126 1.4884 1.7118 1.9630 2.2044
35 0.5700 0.6800 0.8600 1.0400 1.1600 1.3000 1.4300 1.6300 1.8900 2.2000 2.5000
36 0.6608 0.7693 0.9517 1.1333 1.2494 1.3802 1.5254 1.7551 2.0639 2.4631 2.8558
37 0.7688 0.8706 1.0482 1.2222 1.3285 1.4385 1.6017 1.8654 2.2334 2.7482 3.2631
38 0.8844 0.9774 1.1490 1.3146 1.4139 1.5047 1.6923 1.9950 2.4278 3.0666 3.7125
39 0.9980 1.0827 1.2531 1.4179 1.5222 1.6086 1.8306 2.1785 2.6769 3.4301 4.1946
40 1.1000 1.1800 1.3600 1.5400 1.6700 1.7800 2.0500 2.4500 3.0100 3.8500 4.7000
41 1.1874 1.2654 1.4637 1.6766 1.8598 2.0310 2.3709 2.8360 3.4562 4.3517 5.2467
42 1.2665 1.3433 1.5646 1.8227 2.0805 2.3417 2.7710 3.3136 3.9957 4.9274 5.8410
43 1.3419 1.4195 1.6718 1.9845 2.3283 2.6939 3.2198 3.8432 4.5851 5.5394 6.4558
44 1.4182 1.4998 1.7939 2.1682 2.5994 3.0694 3.6863 4.3852 5.1810 6.1495 7.0645
45 1.5000 1.5900 1.9400 2.3800 2.8900 3.4500 4.1400 4.9000 5.7400 6.7200 7.6400
46 1.5830 1.6858 2.1095 2.6243 3.2136 3.8585 4.6082 5.4142 6.2854 7.2642 8.1896
47 1.6643 1.7835 2.2966 2.8970 3.5728 4.3070 5.1113 5.9541 6.8461 7.8075 8.7312
48 1.7501 1.8893 2.5018 3.1914 3.9472 4.7614 5.6083 6.4799 7.3871 8.3297 9.2540
49 1.8466 2.0094 2.7261 3.5013 4.3164 5.1871 6.0582 6.9518 7.8734 8.8106 9.7472
50 1.9600 2.1500 2.9700 3.8200 4.6600 5.5500 6.4200 7.3300 8.2700 9.2300 10.2000
51 2.1029 2.3258 3.2413 4.1447 4.9580 5.8103 6.6376 7.5531 8.5154 9.5403 10.5772
52 2.2710 2.5325 3.5394 4.4798 5.2240 5.9910 6.7384 7.6478 8.6329 9.7550 10.8860
53 2.4458 2.7483 3.8530 4.8294 5.4880 6.1514 6.8064 7.7058 8.7147 9.9454 11.1792
54 2.6083 2.9514 4.1703 5.1981 5.7800 6.3513 6.9256 7.8193 8.8530 10.1833 11.5096
55 2.7400 3.1200 4.4800 5.5900 6.1300 6.6500 7.1800 8.0800 9.1400 10.5400 11.9300
56 2.8147 3.2234 4.7682 6.0041 6.5398 7.0538 7.5803 8.4867 9.5546 10.9626 12.3454
57 2.8450 3.2763 5.0427 6.4374 6.9893 7.5231 8.0706 8.9782 10.0355 11.4035 12.7205
58 2.8698 3.3245 5.3241 6.8918 7.4759 8.0485 8.6346 9.5562 10.6141 11.9421 13.1979
59 2.9285 3.4138 5.6330 7.3687 7.9970 8.6206 9.2565 10.2229 11.3218 12.6578 13.9202
60 3.0600 3.5900 5.9900 7.8700 8.5500 9.2300 9.9200 10.9800 12.1900 13.6300 15.0300
61 3.2796 3.8639 6.3984 8.3956 9.1399 9.8891 10.6378 11.8511 13.2569 14.9126 16.6053
62 3.5612 4.2050 6.8444 8.9444 9.7686 10.6042 11.4207 12.8350 14.5014 16.4525 18.5510
63 3.8820 4.5970 7.3232 9.5164 10.4282 11.3566 12.2497 13.8962 15.8666 18.1691 20.7502
64 4.2192 5.0241 7.8300 10.1116 11.1113 12.1281 13.1058 14.9997 17.2951 19.9818 23.0855
65 4.5500 5.4700 8.3600 10.7300 11.8100 12.9000 13.9700 16.1100 18.7300 21.8100 25.4400
66 4.8546 5.9038 8.8945 11.3492 12.4673 13.5745 14.7024 17.0704 20.0091 23.4914 27.6858
67 5.1481 6.3361 9.4366 11.9692 13.0882 14.1638 15.3156 17.9044 21.1706 25.0797 29.9009
68 5.4603 6.8135 10.0146 12.6236 13.7586 14.8150 16.0196 18.8472 22.4574 26.8183 32.2771
69 5.8210 7.3826 10.6563 13.3460 14.5639 15.6747 17.0244 20.1340 24.1129 28.9506 35.0062
70 6.2600 8.0900 11.3900 14.1700 15.5900 16.8900 18.5400 22.0000 26.3800 31.7200 38.2800
71 6.7749 8.9229 12.2117 15.0941 16.8387 18.4608 20.5494 24.4174 29.2222 35.0770 42.0390
72 7.3458 9.8504 13.1027 16.0959 18.2528 20.2892 22.9126 27.2293 32.4774 38.8595 46.1554
73 7.9763 10.8914 14.0689 17.1777 19.8296 22.3751 25.6552 30.4775 36.2006 43.1415 50.7182
74 8.6699 12.0649 15.1160 18.3416 21.5663 24.7187 28.8025 34.2038 40.4465 47.9970 55.8167
75 9.4300 13.3900 16.2500 19.5900 23.4600 27.3200 32.3800 38.4500 45.2700 53.5000 61.5400
76 10.3851 15.1444 17.6367 21.0886 25.8286 30.6942 37.2143 44.2000 51.7533 60.8470 69.0187
77 11.3401 16.8989 19.0235 22.5873 28.1971 34.0683 42.0486 49.9500 58.2366 68.1939 76.4974
78 12.2952 18.6533 20.4102 24.0859 30.5657 37.4425 46.8829 55.7001 64.7200 75.5409 83.9761
79 13.2502 20.4078 21.7970 25.5845 32.9343 40.8166 51.7172 61.4501 71.2033 82.8879 91.4547
80 14.2053 22.1622 23.1837 27.0831 35.3029 44.1908 56.5515 67.2001 77.6866 90.2349 98.9334
Duration/Issue Attained
Age 11 12 13 14 Ultimate Age
0 0.4297 0.4858 0.5418 0.6353 0.7100 15
1 0.4152 0.4663 0.5174 0.6026 0.7100 16
2 0.4709 0.5098 0.5488 0.6139 0.7100 17
3 0.5618 0.5854 0.6092 0.6489 0.7100 18
4 0.6530 0.6624 0.6718 0.6876 0.7100 19
5 0.7094 0.7098 0.7098 0.7100 0.7100 20
6 0.7084 0.7098 0.7098 0.7100 0.7100 21
7 0.7074 0.7097 0.7098 0.7100 0.7100 22
8 0.7064 0.7096 0.7098 0.7100 0.7100 23
9 0.7053 0.7096 0.7098 0.7100 0.7100 24
10 0.7027 0.7095 0.7099 0.7100 0.7100 25
11 0.6984 0.7088 0.7088 0.7100 0.7100 26
12 0.6925 0.7080 0.7079 0.7100 0.7100 27
13 0.6850 0.7060 0.7058 0.7100 0.7100 28
14 0.6758 0.7027 0.7025 0.7100 0.7100 29
15 0.6724 0.7057 0.7060 0.7100 0.7100 30
16 0.6673 0.7074 0.7085 0.7285 0.7100 31
17 0.6680 0.7155 0.7179 0.7502 0.7400 32
18 0.6687 0.7236 0.7352 0.7818 0.8200 33
19 0.6694 0.7318 0.7669 0.8295 0.9000 34
20 0.6700 0.7400 0.8200 0.9000 1.0000 35
21 0.7212 0.8020 0.8969 0.9951 1.1200 36
22 0.7919 0.8842 0.9929 1.1106 1.2600 37
23 0.8761 0.9815 1.1044 1.2434 1.4000 38
24 0.9675 1.0885 1.2280 1.3909 1.5600 39
25 1.0600 1.2000 1.3600 1.5500 1.7400 40
26 1.1440 1.3075 1.4930 1.7152 1.9400 41
27 1.2236 1.4146 1.6295 1.8884 2.1600 42
28 1.3132 1.5338 1.7805 2.0780 2.4000 43
29 1.4272 1.6781 1.9570 2.2924 2.6600 44
30 1.5800 1.8600 2.1700 2.5400 2.9500 45
31 1.7649 2.0730 2.4132 2.8136 3.2600 46
32 1.9722 2.3087 2.6792 3.1076 3.6000 47
33 2.2122 2.5769 2.9776 3.4328 3.9600 48
34 2.4947 2.8874 3.3180 3.8000 4.3400 49
35 2.8300 3.2500 3.7100 4.2200 4.7600 50
36 3.2239 3.6691 4.1566 4.6954 5.2300 51
37 3.6698 4.1382 4.6515 5.2189 5.7800 52
38 4.1586 4.6506 5.1901 5.7867 6.3800 53
39 4.6817 5.2001 5.7678 6.3950 7.0400 54
40 5.2300 5.7800 6.3800 7.0400 7.7500 55
41 5.8228 6.4088 7.0434 7.7354 8.4800 56
42 6.4660 7.0908 7.7611 8.4837 9.2300 57
43 7.1308 7.7984 8.5081 9.2643 10.0300 58
44 7.7884 8.5040 9.2594 10.0566 10.8600 59
45 8.4100 9.1800 9.9900 10.8400 11.7000 60
46 8.9985 9.8330 10.7120 11.6330 12.5600 61
47 9.5730 10.4813 11.4420 12.4493 13.4500 62
48 10.1294 11.1151 12.1620 13.2611 14.3700 63
49 10.6631 11.7246 12.8540 14.0406 15.3200 64
50 11.1700 12.3000 13.5000 14.7600 16.2500 65
51 11.6210 12.7986 14.0342 15.3235 17.1000 66
52 12.0191 13.2271 14.4687 15.7498 17.7600 67
53 12.4077 13.6493 14.9021 16.1822 18.1300 68
54 12.8302 14.1290 15.4330 16.7645 18.3900 69
55 13.3300 14.7300 16.1600 17.6400 18.8400 70
56 13.7763 15.3190 16.9651 18.7184 19.7800 71
57 14.1402 15.8533 17.7826 19.9040 21.4100 72
58 14.6178 16.5331 18.7894 21.3324 23.6300 73
59 15.4057 17.5586 20.1629 23.1392 26.3000 74
60 16.7000 19.1300 22.0800 25.4600 29.3800 75
61 18.6034 21.3350 24.5971 28.3007 32.8100 76
62 20.9849 24.0403 27.5962 31.5710 36.5200 77
63 23.6907 27.1141 30.9926 35.2618 40.4800 78
64 26.5670 30.4246 34.7021 39.3645 44.7900 79
65 29.4600 33.8400 38.6400 43.8700 49.5500 80
66 32.2738 37.2582 42.6451 48.6008 54.9100 81
67 35.1109 40.7669 46.7738 53.5628 60.9100 82
68 38.1151 44.5195 51.2678 59.0224 67.4300 83
69 41.4302 48.6694 56.3693 65.2460 74.5100 84
70 45.2000 53.3700 62.3200 72.5000 83.4300 85
71 49.3518 58.5173 68.9661 80.8844 94.8400 86
72 53.7898 64.0090 76.1464 90.2217 107.6400 87
73 58.6228 70.0011 84.0916 100.3617 120.9800 88
74 63.9599 76.6495 93.0326 111.1545 133.9800 89
75 69.9100 84.1100 103.2000 122.4500 146.0000 90
76 177.5537 93.7991 116.7392 135.4536 157.1000 91
77 185.1974 103.4882 130.2784 148.4572 167.8500 92
78 192.8411 113.1774 143.8176 161.4608 178.8700 93
79 100.4848 122.8665 157.3568 174.4644 190.7500 94
80 108.1285 132.5556 170.8960 187.4680 204.0400 95
218.5000 96
233.5000 97
249.0400 98
265.1200 99
296.3000 100
363.2100 101
468.3200 102
613.2600 103
796.7400 104
1,000.0000 105
1,000.0000 106
1,000.0000 107
1,000.0000 108
1,000.0000 109
1,000.0000 110
1,000.0000 111
1,000.0000 112
1,000.0000 113
1,000.0000 114
1,000.0000 115
1,000.0000 116
1,000.0000 117
1,000.0000 118
1,000.0000 119
SCHEDULE E
YRT PREMIUM RATE SCHEDULE
CONTINENTAL ASSURANCE COMPANY - SMOKER/NONSMOKER YRT RATES PER $1,000
EFFECTIVE JANUARY 1, 1982
CESSION FEE
-----------
AUTOMATIC AGREEMENT -0-
FACULTATIVE AGREEMENTS - $15.00/YEAR
FEMALE RATES
------------
AGES: 0 - 10 SAME AS MALE RATES
11 - 15 MALE AGE 10 RATE
16 - UP RATE FOR MALE 5 YEARS YOUNGER
REINSURANCE PREMIUM ADJUSTMENTS FOR CERTAIN CLASSES OF LIFE INSURANCE:
ISSUED ON CONVERSION OF TERM INSURANCE: PREMIUMS WILL BE CONTINUED BASED ON
ISSUE AGE AND POLICY DATE OF THE
ORIGINAL TERM INSURANCE.
ISSUED ON ELECTION OF GUARANTEED INSURABILITY OPTION: AN ADDITIONAL,
NON-REFUNDABLE NET
SINGLE PREMIUM WILL BE
CHARGED.
ISSUED ABOVE AGE 30 WITHOUT MEDICAL EXAMINATION: BASIC RATES WILL BE INCREASED
AS STIPULATED IN THE
REINSURANCE AGREEMENT.
ISSUED WITHOUT EVIDENCE OF INSURABILITY ("GUARANTEED ISSUE") - INDIVIDUAL
CONSIDERATION.
ISSUED ON CONVERSION OF GROUP INSURANCE - INDIVIDUAL CONSIDERATION.
CONTINENTAL ASSURANCE COMPANY - AGGREGATE YRT RATES PER $1,000
EFFECTIVE JANUARY 1, 1982
CESSION FEE
-----------
AUTOMATIC AGREEMENT -0-
FACULTATIVE AGREEMENTS - $10.00/YEAR
FEMALE RATES
------------
AGES: 0 - 10 SAME AS MALE RATES
11 - 15 MALE AGE 10 RATE
16 - UP RATE FOR MALE 5 YEARS YOUNGER
REINSURANCE PREMIUM ADJUSTMENTS FOR CERTAIN CLASSES OF LIFE INSURANCE:
ISSUED ON CONVERSION OF TERM INSURANCE: PREMIUMS WILL BE CONTINUED BASED ON
ISSUE AGE AND POLICY DATE OF THE
ORIGINAL TERM INSURANCE.
ISSUED ON ELECTION OF GUARANTEED INSURABILITY OPTION: AN ADDITIONAL,
NON-REFUNDABLE NET
SINGLE PREMIUM WILL BE
CHARGED.
ISSUED ABOVE AGE 30 WITHOUT MEDICAL EXAMINATION: BASIC RATES WILL BE
INCREASED AS STIPULATED II
THE REINSURANCE AGREEMENT.
ISSUED WITHOUT EVIDENCE OF INSURABILITY ("GUARANTEED ISSUE") - INDIVIDUAL
CONSIDERATION.
ISSUED ON CONVERSION OF GROUP INSURANCE - INDIVIDUAL CONSIDERATION.
*** CONTINENTAL ASSURANCE COMPANY ***
AGGREGATE Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
0 2.83 0.97 0.90 0.88 0.83 0.81 0.78 0.74 0.69 0.66 0.69 10
1 0.95 0.90 0.88 0.83 0.81 0.78 0.74 0.69 0.66 0.69 0.74 11
2 0.85 0.85 0.83 0.78 0.76 0.74 0.69 0.66 0.69 0.74 0.78 12
3 0.83 0.78 0.76 0.71 0.69 0.69 0.66 0.69 0.74 0.78 0.81 13
4 0.76 0.71 0.66 0.64 0.66 0.66 0.69 0.74 0.78 0.81 0.91 14
5 0.64 0.64 0.62 0.64 0.66 0.69 0.74 0.78 0.81 0.90 1.07 15
6 0.55 0.59 0.62 0.66 0.69 0.74 0.78 0.81 0.90 1.07 1.23 16
7 0.50 0.57 0.62 0.69 0.74 0.78 0.81 0.90 1.07 1.23 1.38 17
8 0.48 0.57 0.66 0.74 0.78 0.81 0.90 1.07 1.23 1.38 1.47 18
9 0.50 0.62 0.74 0.78 0.81 0.90 1.07 1.23 1.38 1.47 1.57 19
10 0.52 0.69 0.78 0.81 0.90 1.07 1.23 1.38 1.47 1.57 1.57 20
11 0.55 0.74 0.81 0.90 1.07 1.23 1.38 1.47 1.57 1.57 1.50 21
12 0.62 0.78 0.90 1.07 1.23 1.38 1.47 1.57 1.57 1.50 1.45 22
13 0.71 0.88 1.07 1.23 1.38 1.47 1.57 1.57 1.50 1.45 1.42 23
14 0.83 1.02 1.23 1.38 1.47 1.57 1.57 1.50 1.45 1.42 1.40 24
15 0.95 1.16 1.38 1.47 1.57 1.57 1.50 1.45 1.42 1.40 1.35 25
16 1.02 1.33 1.47 1.57 1.57 1.50 1.45 1.42 1.40 1.35 1.35 26
17 1.04 1.42 1.54 1.57 1.50 1.45 1.42 1.40 1.35 1.35 1.40 27
18 1.02 1.42 1.52 1.50 1.45 1.42 1.40 1.35 1.35 1.40 1.45 28
19 0.97 1.38 1.45 1.45 1.40 1.40 1.35 1.35 1.40 1.45 1.52 29
20 0.93 1.28 1.33 1.35 1.33 1.35 1.35 1.40 1.45 1.52 1.61 30
21 0.83 1.19 1.19 1.23 1.26 1.33 1.40 1.45 1.52 1.61 1.71 31
22 0.83 1.12 1.12 1.16 1.21 1.33 1.42 1.47 1.59 1.69 1.78 32
23 0.81 1.09 1.09 1.14 1.19 1.33 1.42 1.50 1.61 1.73 1.83 33
24 0.78 1.07 1.09 1.14 1.19 1.33 1.42 1.52 1.64 1.76 1.88 34
25 0.74 1.02 1.09 1.14 1.21 1.33 1.42 1.54 1.69 1.80 1.95 35
26 0.69 1.00 1.09 1.14 1.23 1.35 1.45 1.59 1.73 1.90 2.04 36
27 0.66 1.00 1.09 1.14 1.26 1.40 1.50 1.66 1.80 2.02 2.18 37
28 0.66 1.00 1.09 1.14 1.28 1.42 1.57 1.73 1.92 2.16 2.37 38
29 0.66 1.00 l.09 1.14 1.28 1.45 1.66 1.83 2.07 2.30 2.59 39
30 0.69 1.00 l.09 1.16 1.35 1.54 1.76 1.99 2.23 2.49 2.83 40
31 0.71 1.02 1.12 1.26 1.47 1.69 1.90 2.16 2.42 2.73 3.09 41
32 0.71 1.09 1.19 l.40 1.59 1.85 2.09 2.35 2.66 2.99 3.40 42
33 0.74 1.16 1.31 1.52 1.76 2.04 2.30 2.61 2.94 3.30 3.73 43
34 0.78 1.23 1.42 1.64 1.92 2.23 2.54 2.90 3.23 3.63 4.08 44
35 0.83 1.31 1.34 1.73 2.09 2.42 2.75 3.16 3.54 3.99 4.46 45
36 0.88 1.38 1.66 1.92 2.26 2.61 2.97 3.42 3.87 4.37 4.89 46
37 0.95 1.47 1.76 2.07 2.40 2.78 3.18 3.68 4.20 4.77 5.37 47
38 1.02 1.54 1.85 2.18 2.54 2.92 3.40 3.94 4.56 5.20 5.89 48
39 1.12 1.61 1.92 2.30 2.68 3.06 3.61 4.20 4.94 5.65 6.44 49
40 1.23 1.71 2.02 2.45 2.83 3.21 3.82 4.46 5.32 6.15 7.01 50
4l 1.33 1.80 2.16 2.61 3.02 3.40 4.11 4.80 5.75 6.70 7.65 51
42 1.42 1.92 2.33 2.83 3.28 3.68 4.46 5.20 6.25 7.27 8.34 52
43 1.54 2.09 2.54 3.09 3.59 4.01 4.89 5.68 6.77 7.86 9.02 53
44 1.69 2.28 2.80 3.40 3.94 4.39 5.37 6.22 7.31 8.50 9.74 54
*** CONTINENTAL ASSURANCE COMPANY ***
AGGREGATE Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
45 1.80 2.47 3.09 3.73 4.32 4.82 5.87 6.82 7.93 9.19 10.54 55
46 1.90 2.66 3.37 4.06 4.70 5.25 6.39 7.43 8.62 9.95 11.45 56
47 1.97 2.85 3.66 4.39 5.08 5.68 6.91 8.07 9.38 10.81 12.42 57
48 2.02 3.04 3.94 4.73 5.46 6.10 7.46 8.74 10.19 11.76 13.47 58
49 2.07 3.23 4.23 5.08 5.87 6.53 8.03 9.43 11.04 12.80 14.61 59
50 2.11 3.44 4.51 5.46 6.29 7.01 8.64 10.19 11.99 13.92 15.84 60
51 2.18 3.68 4.82 5.84 6.75 7.53 9.31 11.02 13.04 15.13 17.22 61
52 2.30 3.92 5.15 6.22 7.22 8.05 9.97 11.92 14.15 16.43 18.71 62
53 2.49 4.13 5.49 6.63 7.67 8.57 10.66 12.87 15.32 17.79 20.26 63
54 2.73 4.37 5.82 7.05 8.12 9.14 11.40 13.87 16.55 19.21 21.90 64
55 2.97 4.66 6.20 7.53 8.67 9.83 12.23 15.01 17.91 20.78 23.70 65
56 3.23 5.01 6.67 8.10 9.36 10.71 13.28 16.34 19.43 22.54 25.77 66
57 3.51 5.51 7.24 8.81 10.24 11.88 14.63 17.88 21.16 24.49 28.14 67
58 3.82 6.10 7.93 9.69 11.35 13.35 16.29 19.64 23.08 26.62 30.78 68
59 4.16 6.79 8.72 10.66 12.63 15.03 18.17 21.59 25.20 28.95 33.65 69
60 4.51 7.55 9.52 11.68 13.96 16.81 20.14 23.65 27.48 31.49 36.76 70
61 4.92 8.29 10.33 12.71 15.27 18.55 22.11 25.79 29.88 34.25 40.16 71
62 5.37 8.95 11.07 13.58 16.39 20.02 23.89 27.86 32.28 37.07 43.75 72
63 5.87 9.55 11.66 14.27 17.24 21.16 25.36 29.69 34.53 39.85 47.33 73
64 6.39 10.12 12.23 14.91 18.03 22.23 26.77 31.54 36.88 42.77 51.11 74
65 7.01 10.81 12.99 15.77 19.07 23.61 28.55 33.84 39.73 46.24 55.48 75
66 7.79 11.78 14.13 17.15 20.76 25.67 31.11 36.98 43.51 50.73 60.80 76
67 8.74 13.11 15.79 19.24 23.82 28.74 34.75 41.30 48.59 56.62 67.40 77
68 9.90 14.77 17.98 21.99 26.72 32.73 39.45 46.79 54.93 63.89 75.29 78
69 11.21 16.70 20.54 25.22 30.73 37.41 44.91 53.10 62.20 72.15 84.10 79
70 12.59 18.83 23.35 28.79 35.13 42.51 50.82 59.92 69.99 80.96 93.46 80
71 14.01 21.07 26.29 32.49 39.64 47.76 56.90 66.90 77.90 89.87 102.98 81
72 15.39 23.25 29.21 36.15 44.08 52.96 62.89 73.79 85.67 98.56 112.43 82
73 16.74 25.53 32.18 39.88 48.57 58.23 68.95 80.70 93.46 107.21 121.88 83
74 18.17 28.02 35.39 43.84 53.34 63.79 75.34 87.90 101.48 116.09 131.50 84
75 19.74 30.66 38.85 48.09 58.38 69.63 82.01 95.38 109.77 125.23 141.41 85
76 21.45 33.51 42.56 52.61 63.70 75.81 88.97 103.15 118.37 134.64 151.74 86
77 23.05 36.57 46.48 57.38 69.35 82.29 96.26 111.22 127.25 144.28 161.86 87
78 25.15 39.80 50.66 62.44 75.26 89.04 103.81 119.58 136.37 154.16 171.00 88
79 27.63 43.00 55.37 67.87 81.45 96.04 111.61 128.31 145.31 163.30 180.14 89
80 30.71 48.15 60.46 73.57 87.88 103.27 119.76 136.87 153.52 172.03 191.42 90
81 33.83 52.57 65.54 79.38 94.50 110.82 127.75 144.60 161.73 182.81 206.96 91
82 36.94 56.99 70.71 85.36 101.41 118.20 134.97 152.33 171.85 197.64 227.76 92
83 40.05 61.49 76.04 91.59 108.17 124.88 142.18 161.87 185.80 217.51 253.17 93
84 43.21 66.12 81.59 97.70 114.28 131.56 151.09 175.00 204.48 241.78 282.43 94
85 47.73 72.88 89.39 106.00 123.64 143.60 167.83 197.93 233.60 277.21 315.59 95
86 52.48 79.67 96.79 114.46 134.66 159.10 189.23 225.35 266.90 317.24 352.64 96
87 55.98 84.17 101.96 121.63 145.59 175.09 210.34 251.40 298.24 354.49 393.56 97
88 59.14 88.67 108.35 131.50 160.22 194.63 234.65 280.91 333.25 395.62 438.38 98
89 62.30 94.22 117.14 144.72 178.10 217.12 262.20 313.89 371.92 440.67 490.61 99
*** CONTINENTAL ASSURANCE COMPANY ***
AGGREGATE Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
0 0.64 0.22 0.20 0.20 0.19 0.18 0.18 0.17 0.15 0.15 0.15 10
1 0.21 0.20 0.20 0.19 0.18 0.18 0.17 0.15 0.15 0.15 0.17 11
2 0.19 0.19 0.19 0.18 0.17 0.17 0.15 0.15 0.15 0.17 0.18 12
3 0.19 0.18 0.17 0.16 0.15 0.15 0.15 0.15 0.17 0.18 0.18 13
4 0.17 0.16 0.15 0.14 0.15 0.15 0.15 0.17 0.18 0.18 0.20 14
5 0.14 0.14 0.14 0.14 0.15 0.15 0.17 0.18 0.18 0.20 0.24 15
6 0.12 0.13 0.14 0.13 0.15 0.17 0.18 0.18 0.20 0.24 0.28 16
7 0.11 0.13 0.14 0.15 0.17 0.18 0.18 0.20 0.24 0.28 0.31 17
8 0.11 0.13 0.15 0.17 0.18 0.18 0.20 0.24 0.28 0.31 0.33 18
9 0.11 0.14 0.17 0.18 0.18 0.20 0.24 0.28 0.31 0.33 0.35 19
10 0.12 0.15 0.18 0.18 0.20 0.24 0.28 0.31 0.33 0.35 0.35 20
11 0.12 0.17 0.18 0.20 0.24 0.28 0.31 0.33 0.35 0.35 0.34 21
12 0.14 0.18 0.20 0.24 0.28 0.31 0.33 0.35 0.35 0.34 0.33 22
13 0.16 0.20 0.24 0.28 0.31 0.33 0.35 0.35 0.34 0.33 0.32 23
14 0.19 0.23 0.28 0.31 0.33 0.35 0.35 0.34 0.33 0.32 0.32 24
15 0.21 0.26 0.31 0.33 0.35 0.35 0.34 0.33 0.32 0.32 0.30 25
16 0.23 0.30 0.33 0.35 0.35 0.34 0.33 0.32 0.32 0.30 0.30 26
17 0.24 0.32 0.35 0.35 0.34 0.33 0.32 0.32 0.30 0.30 0.32 27
18 0.23 0.32 0.34 0.34 0.33 0.32 0.32 0.30 0.30 0.32 0.33 28
19 0.22 0.31 0.33 0.33 0.32 0.32 0.30 0.30 0.32 0.33 0.34 29
20 0.21 0.29 0.30 0.30 0.30 0.30 0.30 0.32 0.33 0.34 0.36 30
21 0.20 0.27 0.27 0.28 0.28 0.30 0.32 0.33 0.34 0.36 0.38 31
22 0.19 0.25 0.25 0.26 0.27 0.30 0.32 0.33 0.36 0.38 0.40 32
23 0.18 0.25 0.25 0.26 0.27 0.30 0.32 0.34 0.36 0.39 0.41 33
24 0.18 0.24 0.25 0.26 0.27 0.30 0.32 0.34 0.37 0.40 0.42 34
25 0.17 0.23 0.25 0.26 0.27 0.30 0.32 0.35 0.38 0.41 0.44 35
26 0.15 0.22 0.25 0.26 0.28 0.30 0.33 0.36 0.39 0.43 0.46 36
27 0.15 0.22 0.25 0.26 0.28 0.32 0.34 0.37 0.41 0.45 0.49 37
28 0.15 0.22 0.25 0.26 0.29 0.32 0.35 0.39 0.43 0.49 0.53 38
29 0.15 0.22 0.25 0.26 0.29 0.33 0.37 0.41 0.46 0.52 0.58 39
30 0.15 0.22 0.25 0.26 0.30 0.35 0.40 0.45 0.50 0.56 0.64 40
31 0.16 0.23 0.25 0.28 0.33 0.38 0.43 0.49 0.55 0.61 0.69 41
32 0.16 0.25 0.27 0.32 0.36 0.42 0.47 0.53 0.60 0.67 0.76 42
33 0.17 0.26 0.29 0.34 0.40 0.46 0.52 0.59 0.66 0.74 0.84 43
34 0.18 0.28 0.32 0.37 0.43 0.50 0.57 0.65 0.73 0.82 0.92 44
35 0.19 0.29 0.35 0.40 0.47 0.55 0.62 0.71 0.80 0.90 1.00 45
36 0.20 0.31 0.37 0.43 0.51 0.59 0.67 0.77 0.87 0.98 1.10 46
37 0.21 0.33 0.40 0.46 0.54 0.63 0.72 0.83 0.95 1.07 1.21 47
38 0.23 0.35 0.42 0.49 0.57 0.66 0.76 0.89 1.03 1.17 1.33 48
39 0.25 0.36 0.43 0.52 0.60 0.69 0.81 0.95 1.11 1.27 1.45 49
40 0.28 0.38 0.45 0.55 0.64 0.72 0.86 1.00 1.20 1.38 1.58 50
41 0.30 0.41 0.49 0.59 0.68 0.76 0.92 1.08 1.29 1.51 1.72 51
42 0.32 0.43 0.52 0.64 0.74 0.83 1.00 1.17 1.41 1.64 1.88 52
43 0.35 0.47 0.57 0.69 0.81 0.90 1.10 1.28 1.52 1.77 2.03 53
44 0.38 0.51 0.63 0.76 0.89 0.99 1.21 1.40 1.65 1.91 2.19 54
*** CONTINENTAL ASSURANCE COMPANY ***
AGGREGATE Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
45 0.41 0.56 0.69 0.84 0.97 1.08 1.32 1.53 1.78 2.07 2.37 55
46 0.43 0.60 0.76 0.91 1.06 1.18 1.44 1.67 1.94 2.24 2.58 56
47 0.44 0.64 0.82 0.99 1.14 1.28 1.56 1.82 2.11 2.43 2.79 57
48 0.45 0.68 0.89 1.06 1.23 1.37 1.68 1.97 2.29 2.65 3.03 58
49 0.46 0.73 0.95 1.14 1.32 1.47 1.81 2.12 2.48 2.88 3.29 59
50 0.43 0.77 1.02 1.23 1.42 1.58 1.95 2.29 2.70 3.13 3.56 60
51 0.49 0.83 1.08 1.31 1.52 1.69 2.09 2.48 2.93 3.40 3.87 61
52 0.52 0.88 1.16 1.40 1.62 1.81 2.24 2.68 3.18 3.70 4.21 62
53 0.56 0.93 1.23 1.49 1.73 1.93 2.40 2.90 3.45 4.00 4.56 63
54 0.61 0.98 1.31 1.59 1.83 2.06 2.57 3.12 3.72 4.32 4.93 64
55 0.67 1.05 1.39 1.69 1.95 2.21 2.75 3.38 4.03 4.68 5.33 65
56 0.73 1.13 1.50 1.82 2.11 2.41 2.99 3.68 4.37 5.07 5.80 66
57 0.79 1.24 1.63 1.98 2.30 2.67 3.29 4.02 4.76 5.51 6.33 67
58 0.86 1.37 1.78 2.18 2.55 3.00 3.67 4.42 5.19 5.99 6.93 68
59 0.94 1.53 1.96 2.40 2.84 3.38 4.09 4.86 5.67 6.51 7.57 69
60 1.02 1.70 2.14 2.63 3.14 3.78 4.53 5.32 6.18 7.09 8.27 70
61 1.11 1.86 2.32 2.86 3.44 4.17 4.98 5.80 6.72 7.71 9.04 71
62 1.21 2.01 2.49 3.06 3.69 4.50 5.38 6.27 7.26 8.34 9.84 72
63 1.32 2.15 2.62 3.21 3.88 4.76 5.71 6.68 7.77 8.97 10.65 73
64 1.44 2.28 2.75 3.36 4.06 5.00 6.02 7.10 8.30 9.62 11.50 74
65 1.58 2.43 2.92 3.55 4.29 5.31 6.42 7.61 8.94 10.40 12.48 75
66 1.75 2.65 3.18 3.86 4.67 5.78 7.00 8.32 9.79 11.41 13.68 76
67 1.97 2.95 3.55 4.33 5.25 6.47 7.82 9.29 10.93 12.74 15.17 77
68 2.23 3.32 4.05 4.95 6.01 7.36 8.88 10.53 12.36 14.37 16.94 78
69 2.52 3.76 4.62 5.68 6.91 8.42 10.11 11.95 14.00 16.23 18.92 79
70 2.83 4.24 5.25 6.48 7.90 9.57 11.44 13.48 15.75 18.22 21.03 80
71 3.15 4.74 5.92 7.31 8.92 10.75 12.80 15.03 17.53 20.22 23.17 81
72 3.46 5.23 6.57 8.13 9.92 11.92 14.15 16.60 19.27 22.18 25.30 82
73 3.77 5.74 7.24 8.97 10.93 13.10 15.51 18.16 21.03 24.12 27.42 83
74 4.09 6.31 7.96 9.86 12.00 14.35 16.95 19.78 22.83 26.12 29.59 84
75 4.44 6.90 8.74 10.82 13.13 15.67 18.45 21.46 24.70 28.18 31.82 85
76 4.83 7.54 9.58 11.84 14.33 17.06 20.02 23.21 26.63 30.29 34.14 86
77 5.23 8.23 10.46 12.91 15.60 18.52 21.66 25.02 28.63 32.46 36.42 87
78 5.66 8.96 11.40 14.05 16.93 20.03 23.36 26.91 30.68 34.69 38.48 88
79 6.22 9.83 12.46 15.27 18.33 21.61 25.11 28.87 32.69 36.74 40.53 89
80 6.91 10.83 13.60 16.55 19.77 23.24 26.95 30.79 34.54 38.71 43.07 90
81 7.61 11.83 14.75 17.86 21.26 24.93 28.74 32.53 36.39 41.13 46.57 91
82 8.31 12.82 15.91 19.21 22.82 26.60 30.37 34.27 38.67 44.47 51.25 92
83 9.01 13.84 17.11 20.61 24.34 28.10 31.99 36.42 41.80 48.94 56.96 93
84 9.72 14.88 18.36 21.98 25.71 29.60 33.99 39.38 46.01 54.40 63.55 94
85 10.74 16.40 20.11 23.85 27.82 32.31 37.76 44.53 52.56 62.37 71.01 95
86 11.81 17.92 21.78 25.75 30.30 35.80 42.58 50.70 60.05 71.38 79.34 96
87 12.59 18.94 22.94 27.37 32.76 39.40 47.33 56.56 67.10 79.76 88.55 97
88 13.31 19.95 24.38 29.59 36.05 43.79 52.80 63.20 74.98 89.01 98.63 98
89 14.02 21.20 26.36 32.56 40.07 48.85 58.99 70.62 83.68 99.15 110.39 99
*** CONTINENTAL ASSURANCE COMPANY ***
SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
20 1.33 1.40 1.46 1.49 1.50 1.46 1.44 1.44 1.46 1.48 1.51 1.58 1.66 1.83 2.00 2.18 35
21 1.27 1.34 1.43 1.44 1.44 1.42 1.41 1.43 1.46 1.50 1.55 1.65 1.78 1.97 2.15 2.35 36
22 1.22 1.29 1.40 1.41 1.40 1.40 1.41 1.44 1.49 1.54 1.64 1.75 1.92 2.13 2.34 2.58 37
23 1.19 1.25 1.39 1.39 1.39 1.40 1.43 1.47 1.54 1.62 1.73 1.87 2.08 2.33 2.57 2.84 38
24 1.18 1.24 1.38 1.39 1.39 1.42 1.45 1.52 1.61 1.72 1.83 2.02 2.27 2.55 2.83 3.16 39
25 1.17 1.24 1.36 1.38 1.41 1.44 1.51 1.61 1.71 1.82 1.97 2.21 2.49 2.80 3.12 3.53 40
26 1.18 1.25 1.36 1.39 1.44 1.50 1.61 1.71 1.82 1.97 2.16 2.42 2.73 3.05 3.43 3.93 41
27 1.21 1.29 1.37 1.43 1.50 1.60 1.71 1.82 1.95 2.15 2.37 2.66 2.99 3.33 3.78 4.37 42
28 1.25 1.34 1.41 1.50 1.60 1.70 1.80 1.95 2.14 2.35 2.63 2.93 3.29 3.65 4.16 4.86 43
29 1.28 1.39 1.49 1.60 1.70 1.80 1.92 2.12 2.35 2.60 2.92 3.25 3.62 4.04 4.62 5.41 44
30 1.31 1.44 1.59 1.67 1.80 1.92 2.08 2.33 2.59 2.90 3.24 3.60 4.01 4.54 5.14 5.98 45
31 1.34 1.48 1.66 1.79 1.91 2.08 2.27 2.56 2.88 3.22 3.58 3.99 4.51 5.06 5.73 6.56 46
32 1.37 1.54 1.73 1.90 2.05 2.26 2.49 2.83 3.20 3.57 3.97 4.49 5.02 5.59 6.39 7.23 47
33 1.40 1.60 1.83 2.03 2.22 2.46 2.74 3.13 3.55 3.95 4.47 4.99 5.49 6.22 7.09 8.01 48
34 1.45 1.68 1.95 2.19 2.41 2.71 3.03 3.46 3.94 4.44 4.95 5.41 5.97 6.88 7.85 8.98 49
35 1.50 1.78 2.10 2.38 2.64 3.00 3.37 3.84 4.37 4.93 5.36 5.88 6.66 7.56 8.64 9.96 50
36 1.57 1.90 2.27 2.60 2.89 3.33 3.75 4.26 4.84 5.34 5.83 6.58 7.46 8.25 9.46 10.81 51
37 1.65 2.03 2.45 2.87 3.18 3.70 4.16 4.72 5.29 5.81 6.51 7.38 8.13 8.97 10.33 11.68 52
38 1.73 2.17 2.66 3.15 3.49 4.10 4.60 5.20 5.75 6.45 7.29 8.02 8.72 9.75 11.26 12.62 53
39 1.83 2.34 2.89 3.45 3.83 4.51 5.06 5.72 6.39 7.20 7.91 8.60 9.41 10.61 12.26 13.77 54
40 1.94 2.52 3.14 3.75 4.19 4.93 5.54 6.26 7.05 7.81 8.51 9.30 10.29 11.57 13.33 15.18 55
41 2.06 2.71 3.41 4.08 4.58 5.36 6.02 6.81 7.64 8.44 9.25 10.15 11.24 12.60 14.47 16.76 56
42 2.19 2.91 3.69 4.43 4.99 5.81 6.52 7.39 8.25 9.17 10.05 11.05 12.25 13.72 15.68 18.42 57
43 2.33 3.13 4.00 4.79 5.42 6.28 7.08 8.02 8.90 9.88 10.87 12.02 13.33 14.92 16.97 20.06 58
44 2.47 3.37 4.32 5.17 5.88 6.80 7.70 8.72 9.63 10.68 11.77 13.05 14.48 16.22 18.39 21.52 59
45 2.61 3.62 4.67 5.58 6.34 7.37 8.42 9.50 10.46 11.61 12.82 14.15 15.71 17.61 19.92 22.90 60
46 2.75 3.90 5.03 6.00 6.82 8.00 9.24 10.39 11.40 12.66 13.97 15.30 17.01 19.08 21.54 24.37 61
47 2.91 4.19 5.42 6.45 7.32 8.68 10.14 11.34 12.42 13.80 15.14 16.52 18.39 20.65 23.26 25.98 62
48 3.06 4.48 5.82 6.91 7.84 9.37 11.06 12.32 13.47 14.98 16.33 17.80 19.85 22.34 25.15 27.78 63
49 3.21 4.77 6.22 7.39 8.36 10.06 11.95 13.27 14.50 16.14 17.46 19.15 21.41 24.18 27.27 30.30 64
50 3.35 5.05 6.62 7.86 8.86 10.70 12.78 14.16 15.46 17.26 18.61 20.54 23.07 26.16 29.63 33.44 65
51 3.49 5.28 6.99 8.31 9.33 11.27 13.54 14.99 16.35 18.33 19.81 21.98 24.79 28.25 32.19 36.62 66
52 3.61 5.51 7.37 8.76 9.78 11.82 14.27 15.79 17.22 19.40 21.02 23.48 26.59 30.48 34.95 40.05 67
53 3.76 5.77 7.79 9.29 10.31 12.40 15.02 16.61 18.11 20.50 22.31 25.08 28.55 32.91 37.97 43.56 68
54 3.97 6.03 8.29 9.93 10.99 13.10 15.81 17.68 19.08 21.66 23.72 26.83 30.72 35.58 41.31 47.06 69
*** CONTINENTAL ASSURANCE COMPANY ***
SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
55 4.25 6.46 8.90 10.74 11.86 13.96 16.67 18.40 20.11 22.87 25.25 28.72 33.12 38.52 44.98 51.02 70
56 4.56 6.90 9.61 11.72 12.93 14.93 17.56 19.35 21.17 24.08 26.85 30.70 35.71 41.70 48.95 55.64 71
57 4.92 7.38 10.40 12.82 14.15 16.01 18.48 20.33 22.28 25.32 28.55 32.81 38.50 45.10 53.22 60.70 72
58 5.34 7.95 11.26 14.00 15.45 17.16 19.49 21.40 23.52 26.73 30.42 35.12 41.52 48.79 57.83 66.35 73
59 5.83 8.60 12.20 15.21 16.76 18.36 20.59 22.63 24.97 28.41 32.54 37.72 44.80 52.81 62.81 72.95 74
60 6.37 9.36 13.20 16.42 18.02 19.53 21.73 23.95 26.59 30.35 34.85 40.53 48.24 57.07 68.09 79.69 75
61 6.97 10.21 14.29 17.63 19.22 20.61 22.81 25.23 28.23 32.41 37.20 43.41 51.70 61.43 73.52 86.33 76
62 7.62 11.15 15.45 18.87 20.42 22.05 23.94 26.60 30.03 34.69 39.75 46.51 55.34 66.05 79.26 93.53 77
63 8.38 12.19 16.67 20.18 21.83 23.66 25.38 28.37 32.26 37.44 42.81 50.16 59.58 71.30 85.68 101.21 78
64 9.29 13.33 17.95 21.57 23.40 25.08 27.40 30.80 35.19 40.92 46.72 54.71 64.80 77.54 93.12 110.23 79
65 10.41 14.56 19.26 23.06 24.89 26.92 30.22 34.16 39.09 45.38 51.79 60.49 71.36 85.14 101.98 120.56 80
66 11.76 15.90 20.61 24.62 26.59 29.88 33.88 38.47 43.98 50.88 58.08 67.55 79.31 94.17 112.31 131.53 81
67 13.26 17.34 22.02 26.26 29.28 33.51 38.11 43.47 49.58 57.14 65.23 75.54 88.26 104.23 123.70 142.72 82
68 14.84 18.87 23.51 28.02 32.33 37.11 42.60 48.78 55.55 63.75 72.80 83.96 97.68 114.75 135.59 154.40 83
69 16.37 20.50 25.11 29.92 35.07 40.72 47.03 54.05 61.51 70.35 80.32 92.31 107.07 125.18 147.38 166.80 84
70 17.31 22.24 26.84 32.00 37.96 44.19 51.20 59.08 67.29 76.72 87.53 100.29 116.08 135.12 158.65 179.36 85
71 19.17 24.10 28.69 34.27 41.03 47.59 55.20 63.98 72.98 82.97 94.57 108.02 124.83 144.65 169.42 192.47 86
72 20.50 26.07 30.66 36.67 44.28 51.01 59.18 68.88 78.73 89.25 101.62 115.75 133.58 154.12 180.12 205.30 87
73 21.85 28.10 32.73 39.20 47.63 54.50 63.22 73.85 84.56 95.62 108.77 123.63 142.55 163.88 191.22 216.90 88
74 23.26 30.14 34.87 41.82 51.03 58.10 67.39 78.92 90.49 102.16 116.12 131.80 151.95 174.27 203.17 228.50 89
75 24.74 32.18 37.09 44.50 54.44 61.85 71.73 84.13 96.53 108.87 123.70 140.36 161.83 185.46 216.20 242.81 90
76 26.27 34.23 39.38 47.26 57.90 65.71 76.22 89.45 102.67 115.74 131.49 149.25 172.18 197.34 230.16 262.51 91
77 27.86 36.31 41.75 50.11 61.42 69.68 80.83 94.88 108.90 122.76 139.46 158.42 182.91 209.80 244.89 288.90 92
78 29.49 38.41 44.21 53.06 64.99 73.76 85.57 100.40 115.23 129.91 147.60 167.87 194.02 222.82 260.40 321.13 93
79 31.79 41.27 47.53 56.72 69.60 78.75 9l.21 106.92 122.05 136.99 155.89 178.70 208.82 241.95 283.67 358.24 94
80 34.77 45.02 51.57 61.37 75.19 84.68 97.87 114.05 128.94 144.32 165.65 193.20 229.82 268.94 316.45 400.30 95
81 37.93 48.85 55.80 66.30 80.85 90.86 104.40 120.50 135.84 153.36 179.O9 212.62 255.46 300.02 353.60 447.29 96
82 41.16 52.85 60.28 71.29 86.76 96.92 110.30 126.94 144.35 165.80 197.09 236.34 284.98 335.24 395.11 499.19 97
83 44.53 57.09 64.82 76.50 92.54 102.39 116.19 134.89 156.06 182.47 219.08 263.66 318.44 374.60 440.96 556.04 98
84 48.10 61.39 69.55 81.59 97.77 107.87 123.47 145.84 171.75 202.83 244.40 294.61 355.82 418.07 491.17 622.29 99
*** CONTINENTAL ASSURANCE C0MPANY ***
SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
20 0.30 0.32 0.33 0.34 0.34 0.33 0.32 0.32 0.33 0.33 0.34 0.35 0.37 0.41 0.45 0.49 35
21 0.29 0.30 0.32 0.32 0.32 0.32 0.32 0.32 0.33 0.34 0.35 0.37 0.40 0.44 0.48 0.53 36
22 0.28 0.29 0.32 0.32 0.32 0.31 0.32 0.32 0.34 0.35 0.37 0.39 0.43 0.48 0.53 0.58 37
23 0.27 0.28 0.31 0.31 0.31 0.31 0.32 0.33 0.35 0.37 0.39 0.42 0.47 0.52 0.58 0.64 38
24 0.26 0.28 0.31 0.31 0.31 0.32 0.33 0.34 0.36 0.39 0.41 0.46 0.51 0.57 0.64 0.71 39
25 0.26 0.28 0.31 0.31 0.32 0.32 0.34 0.36 0.38 0.41 0.44 0.50 0.56 0.63 0.70 0.79 40
26 0.27 0.28 0.30 0.31 0.32 0.34 0.36 0.38 0.41 0.44 0.49 0.54 0.61 0.69 0.77 0.88 41
27 0.27 0.29 0.31 0.32 0.34 0.36 0.38 0.41 0.44 0.48 0.53 0.60 0.67 0.75 0.85 0.98 42
28 0.28 0.30 0.32 0.34 0.36 0.38 0.41 0.44 0.48 0.53 0.59 0.66 0.74 0.82 0.94 1.09 43
29 0.29 0.31 0.34 0.36 0.38 0.41 0.43 0.48 0.53 0.59 0.66 0.73 0.82 0.91 1.04 1.22 44
30 0.29 0.32 0.36 0.33 0.40 0.43 0.47 0.52 0.58 0.65 0.73 0.81 0.90 1.02 1.16 1.35 45
31 0.30 0.33 0.37 0.40 0.43 0.47 0.51 0.58 0.65 0.73 0.81 0.90 1.02 1.14 1.29 1.48 46
32 0.31 0.35 0.39 0.43 0.46 0.51 0.56 0.64 0.72 0.80 0.89 1.01 1.13 1.26 1.44 1.63 47
33 0.32 0.36 0.41 0.46 0.50 0.55 0.62 0.70 0.80 0.89 1.00 1.12 1.24 1.40 1.60 1.80 48
34 0.33 0.38 0.44 0.49 0.54 0.61 0.68 0.78 0.89 1.00 1.11 1.22 1.34 1.55 1.77 2.02 49
35 0.34 0.40 0.47 0.54 0.59 0.67 0.76 0.86 0.98 1.11 1.21 1.32 1.50 1.70 1.94 2.24 50
36 0.35 0.43 0.51 0.59 0.65 0.75 0.84 0.96 1.09 1.20 1.31 1.48 1.68 1.86 2.13 2.43 51
37 0.37 0.46 0.55 0.64 0.72 0.83 0.94 1.06 1.19 1.31 1.47 1.66 1.83 2.02 2.32 2.63 52
38 0.39 0.49 0.60 0.71 0.79 0.92 1.03 1.17 1.29 1.45 1.64 1.80 1.96 2.19 2.53 2.84 53
39 0.41 0.53 0.65 0.78 0.86 1.02 1.14 1.29 1.44 1.62 1.78 1.94 2.12 2.39 2.76 3.10 54
40 0.44 0.57 0.71 0.84 0.94 1.11 1.25 1.41 1.59 1.76 1.92 2.09 2.32 2.60 3.00 3.42 55
41 0.46 0.61 0.77 0.92 1.03 1.21 1.35 1.53 1.72 1.90 2.08 2.28 2.53 2.84 3.26 3.77 56
42 0.49 0.66 0.83 1.00 1.12 1.31 1.47 1.66 1.86 2.06 2.26 2.49 2.76 3.09 3.53 4.14 57
43 0.52 0.70 0.90 1.00 1.22 1.41 1.59 1.80 2.00 2.22 2.45 2.70 3.00 3.36 3.82 4.51 58
44 0.56 0.76 0.97 1.16 1.32 1.53 1.73 1.96 2.17 2.40 2.65 2.94 3.26 3.65 4.14 4.84 59
45 0.59 0.82 1.05 1.26 1.43 1.66 1.89 2.14 2.35 2.61 2.88 3.18 3.54 3.96 4.48 5.15 60
46 0.62 0.88 1.13 1.35 1.53 1.88 2.08 2.34 2.57 2.85 3.14 3.44 3.83 4.29 4.85 5.48 61
47 0.65 0.94 1.22 1.45 1.65 1.95 2.28 2.55 2.80 3.10 3.41 3.72 4.14 4.65 5.23 5.85 62
48 0.69 1.01 1.31 1.56 1.76 2.11 2.49 2.77 3.03 3.37 3.67 4.01 4.47 5.03 5.66 6.25 63
49 0.72 1.07 1.40 1.66 1.88 2.26 2.69 2.99 3.26 3.63 3.93 4.31 4.82 5.44 6.14 6.82 64
50 0.75 1.14 1.49 1.77 1.99 2.41 2.88 3.19 3.48 3.88 4.19 4.62 5.19 5.89 6.67 7.52 65
51 0.78 1.19 1.57 1.87 2.10 2.54 3.05 3.37 3.68 4.13 4.46 4.95 5.58 6.36 7.24 8.24 66
52 0.81 1.24 1.66 1.97 2.20 2.66 3.21 3.55 3.87 4.37 4.73 5.28 5.98 6.86 7.86 9.01 67
53 0.85 1.30 1.75 2.09 2.32 2.79 3.38 3.74 4.08 4.61 5.02 5.64 6.42 7.40 8.54 9.80 68
54 0.89 1.37 1.87 2.23 2.47 2.95 3.56 3.93 4.29 4.87 5.34 6.04 6.91 8.01 9.30 10.59 69
*** CONTINENTAL ASSURANCE C0MPANY ***
SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
55 0.96 1.45 2.00 2.42 2.67 3.14 3.75 4.14 4.52 5.15 5.68 6.46 7.45 8.67 10.12 11.48 70
56 1.03 1.55 2.16 2.64 2.91 3.36 3.95 4.35 4.76 5.42 6.04 6.91 8.03 9.38 11.01 12.52 71
57 1.11 1.66 2.34 2.89 3.18 3.60 4.16 4.57 5.01 5.70 6.42 7.38 8.66 10.15 11.97 13.66 72
58 1.20 1.79 2.53 3.15 3.48 3.86 4.38 4.82 5.29 6.01 6.84 7.90 9.34 10.98 13.01 14.93 73
59 1.31 1.94 2.74 3.42 3.77 4.13 4.63 5.09 5.62 6.39 7.32 8.49 10.08 11.88 14.13 16.41 74
60 1.43 2.11 2.97 3.69 4.05 4.39 4.89 5.39 5.98 6.83 7.84 9.12 10.85 12.84 15.32 17.93 75
61 1.57 2.30 3.21 3.97 4.32 4.64 5.13 5.68 6.35 7.29 8.37 9.77 11.63 13.82 16.54 19.42 76
62 1.71 2.51 3.48 4.25 4.59 4.96 5.39 5.99 6.76 7.81 8.94 10.46 12.45 14.86 17.83 21.04 77
63 1.89 2.74 3.75 4.54 4.91 5.32 5.71 6.38 7.26 8.42 9.63 11.29 13.41 16.04 19.28 22.77 78
64 2.09 3.00 4.04 4.85 5.27 5.64 6.16 6.93 7.92 9.21 10.51 12.31 14.58 17.45 20.95 24.80 79
65 2.34 3.28 4.33 5.19 5.60 6.06 6.80 7.69 8.79 10.21 11.65 13.61 16.06 19.16 22.94 27.13 80
66 2.65 3.58 4.64 5.54 5.98 6.72 7.62 8.66 9.89 11.45 13.07 15.20 17.84 21.19 25.27 29.59 81
67 2.98 3.90 4.95 5.91 6.59 7.54 8.58 9.78 11.16 12.86 14.68 17.00 19.86 23.45 27.83 32.11 82
68 3.34 4.25 5.29 6.30 7.27 8.35 9.59 10.98 12.50 14.34 16.38 18.89 21.98 25.82 30.51 34.74 83
69 3.69 4.61 5.65 6.73 7.89 9.16 10.58 12.16 13.84 15.83 18.07 20.77 24.09 28.17 33.16 37.53 84
70 4.01 5.00 6.04 7.20 8.54 9.94 11.52 13.29 15.14 17.26 19.70 22.57 26.12 30.40 35.70 40.36 85
71 4.31 5.42 6.46 7.71 9.23 10.71 12.42 14.40 16.42 18.67 21.28 24.31 28.09 32.55 38.12 43.31 86
72 4.61 5.87 6.90 8.25 9.96 11.48 13.32 15.50 17.72 20.08 22.86 26.04 30.06 34.68 40.53 46.19 87
73 4.92 6.32 7.36 8.82 10.72 12.26 14.22 16.62 19.03 21.52 24.47 27.82 32.07 36.87 43.02 48.80 88
74 5.23 6.78 7.85 9.41 11.48 13.07 15.16 17.76 20.36 22.98 26.13 29.66 34.18 39.21 45.71 51.41 89
75 5.57 7.24 8.34 10.01 12.25 13.92 16.14 18.93 21.72 24.49 27.83 31.58 36.41 41.73 48.65 54.63 90
76 5.91 7.70 8.86 10.63 13.03 14.78 17.15 20.13 23.10 26.04 29.59 33.58 38.74 44.40 51.79 59.06 91
77 6.27 8.17 9.39 11.28 13.82 15.68 18.19 21.35 24.50 27.62 31.38 35.64 41.15 47.20 55.10 65.00 92
78 6.64 8.64 9.95 11.94 14.62 16.60 19.25 22.59 25.93 29.23 33.21 37.77 43.65 50.14 58.59 72.25 93
79 7.15 9.29 10.69 12.76 15.66 17.72 20.52 24.06 27.46 30.82 35.07 40.21 46.99 54.44 63.83 80.60 94
80 7.82 10.13 11.60 13.81 16.92 19.05 22.02 25.66 29.01 32.47 37.27 43.47 51.71 60.51 71.20 90.07 95
81 8.53 10.99 12.55 14.92 18.19 20.44 23.49 27.11 30.56 34.51 40.30 47.84 57.48 67.50 79.56 100.64 96
82 9.26 11.89 13.56 16.04 19.52 21.81 24.82 28.56 32.48 37.31 44.35 53.18 64.12 75.43 88.90 112.32 97
83 10.02 12.85 14.58 17.21 20.82 23.04 26.14 30.35 35.11 41.06 49.29 59.32 71.65 84.23 99.22 125.11 98
84 10.82 13.81 15.65 18.36 22.00 24.27 27.78 32.81 38.64 45.64 54.99 66.29 80.06 94.06 110.51 140.02 99
*** CONTINENTAL ASSURANCE COMPANY ***
NON-SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
20 0.85 0.89 0.93 0.95 0.95 0.93 0.91 0.91 0.92 0.94 0.95 0.97 0.99 1.02 1.06 1.12 35
21 0.30 0.84 0.89 0.91 0.90 0.89 0.88 0.89 0.91 0.93 0.95 0.97 1.01 1.06 1.12 1.19 36
22 0.77 0.80 0.87 0.87 0.86 0.86 0.86 0.88 0.92 0.94 0.97 1.00 1.05 1.12 1.19 1.29 37
23 0.74 0.77 0.84 0.85 0.84 0.85 0.85 0.88 0.93 0.97 1.00 1.05 1.11 1.19 1.29 1.42 38
24 0.71 0.75 0.82 0.83 0.82 0.84 0.86 0.90 0.96 1.00 1.05 1.11 1.18 1.28 1.41 1.56 39
25 0.70 0.74 0.81 0.82 0.82 0.85 0.87 0.93 1.00 1.05 1.11 1.18 1.28 1.41 1.55 1.70 40
26 0.69 0.73 0.81 0.82 0.84 0.87 0.90 0.97 1.04 1.10 1.18 1.28 1.4l 1.55 1.69 1.85 41
27 0.69 0.74 0.82 0.84 0.86 0.90 0.95 1.02 1.10 1.18 1.27 1.41 1.54 1.67 1.84 2.02 42
28 0.70 0.75 0.83 0.86 0.88 0.94 1.00 1.09 1.18 1.27 1.40 1.54 1.66 1.81 2.00 2.21 43
29 0.70 9.76 0.84 0.88 0.94 0.98 1.07 1.16 1.27 1.40 1.54 1.65 1.80 1.97 2.19 2.41 44
30 0.70 0.77 0.86 0.91 0.97 1.04 1.13 1.24 1.38 1.53 1.65 1.79 1.96 2.17 2.40 2.63 45
31 0.70 0.77 0.88 0.94 1.01 1.09 1.20 1.34 1.49 1.64 1.78 1.95 2.16 2.39 2.62 2.87 46
32 0.71 0.78 0.90 0.97 1.06 1.16 1.27 1.44 1.62 1.77 1.94 2.16 2.39 2.61 2.86 3.15 47
33 0.72 0.79 0.92 1.01 1.11 1.24 1.37 1.55 1.76 1.93 2.15 2.38 2.60 2.84 3.14 3.47 48
34 0.73 0.81 0.96 1.07 1.18 1.33 1.48 1.68 1.92 2.14 2.38 2.59 2.84 3.12 3.45 3.86 49
35 0.74 0.85 1.01 1.14 1.27 1.45 1.61 1.84 2.11 2.37 2.58 2.83 3.11 3.43 3.79 4.28 50
36 0.76 0.90 1.08 1.23 1.37 1.59 1.77 2.02 2.31 2.57 2.81 3.09 3.41 3.76 4.18 4.71 51
37 0.79 0.95 1.15 1.34 1.49 1.74 1.96 2.22 2.52 2.79 3.07 3.38 3.71 4.11 4.59 5.18 52
38 0.82 1.01 1.24 1.46 1.63 1.91 2.15 2.43 2.75 3.04 3.35 3.68 4.03 4.52 5.07 5.73 53
39 0.85 1.08 1.33 1.59 1.77 2.09 2.36 2.66 3.00 3.33 3.65 3.99 4.42 4.99 5.62 6.37 54
40 0.89 1.16 1.44 1.72 1.92 2.28 2.56 2.89 3.25 3.63 3.96 4.36 4.88 5.52 6.27 7.15 55
41 0.94 1.24 1.56 1.87 2.09 2.45 2.77 3.13 3.49 3.98 4.29 4.77 5.38 6.12 6.99 8.08 56
42 0.00 1.33 1.68 2.02 2.27 2.64 2.98 3.37 3.75 4.17 4.64 5.22 5.92 6.77 7.78 9.13 57
43 1.06 1.43 1.82 2.18 2.46 2.85 3.22 3.65 4.04 4.48 5.04 5.72 6.54 7.51 8.66 10.26 58
44 1.12 1.54 1.98 2.37 2.68 3.09 3.51 3.98 4.38 4.86 5.52 6.30 7.24 8.34 9.65 11.41 59
45 1.20 1.67 2.16 2.58 2.92 3.38 3.87 4.33 4.78 5.35 6.09 6.98 8.06 9.30 10.75 12.58 60
46 1.28 1.82 2.35 2.81 3.18 3.72 4.24 4.72 5.28 5.98 6.74 7.77 8.97 10.37 11.98 13.82 61
47 1.37 1.99 2.57 3.05 3.48 4.10 4.63 5.21 5.92 6.57 7.47 8.63 9.98 11.54 13.30 15.24 62
48 1.47 2.17 2.80 3.32 3.78 4.49 5.21 5.83 6.51 7.16 8.26 9.56 11.05 12.80 14.72 16.86 63
49 1.57 2.34 3.04 3.61 4.11 4.90 5.82 6.46 7.05 7.85 9.07 10.53 12.18 14.11 16.23 18.65 64
50 1.67 2.52 3.29 3.91 4.45 5.30 6.33 7.02 7.65 8.54 9.90 11.51 13.32 15.44 17.80 20.54 65
51 1.76 2.68 3.54 4.22 4.78 5.69 6.83 7.56 8.24 9.24 10.73 12.50 14.49 16.79 19.43 22.49 66
52 1.85 2.83 3.80 4.53 5.12 6.87 7.34 8.11 8.24 9.97 11.60 13.53 15.71 18.19 21.13 24.54 67
53 1.97 3.01 4.09 4.89 5.52 6.49 7.87 8.70 9.49 10.74 12.52 14.62 17.00 19.69 22.97 26.64 68
54 2.12 3.24 4.44 5.32 5.99 7.01 8.46 9.34 10.20 11.58 13.52 15.81 18.42 21.36 24.99 28.77 69
*** CONTINENTAL ASSURANCE COMPANY ***
NON-SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
55 2.32 3.52 4.87 5.83 6.57 7.63 9.11 10.05 10.99 12.49 14.60 17.08 19.93 23.17 27.17 31.19 70
56 2.55 3.85 5.37 6.41 7.24 8.36 9.81 10.80 11.83 13.44 15.73 18.40 21.50 25.08 29.44 34.02 71
57 2.81 4.22 5.93 7.04 7.99 9.16 10.56 11.60 12.72 14.46 16.91 19.79 23.16 27.11 31.86 37.11 72
58 3.11 4.63 6.54 7.75 8.80 10.02 11.36 12.47 13.71 15.58 18.23 21.33 25.02 29.39 34.59 40.46 73
59 3.46 5.11 7.20 8.52 9.65 10.91 12.22 13.42 14.82 16.86 19.73 23.11 27.18 32.04 37.77 44.17 74
60 3.85 5.65 7.92 9.38 10.54 11.77 13.09 14.42 16.03 18.30 21.39 25.11 29.66 35.09 41.48 48.57 75
61 4.26 6.25 8.70 10.33 11.46 12.58 14.11 15.59 17.25 19.81 23.16 27.26 32.40 38.50 45.66 53.73 76
62 4.72 6.90 9.53 11.36 12.24 13.77 15.38 16.64 18.57 21.46 25.07 29.61 35.41 42.24 50.26 59.43 77
63 5.24 7.62 10.39 12.06 13.45 15.14 16.24 17.71 20.14 23.38 27.30 32.29 38.78 46.37 55.32 65.67 78
64 5.84 8.38 11.27 13.14 14.79 15.98 17.21 19.36 22.12 25.72 29.98 35.45 42.59 50.94 60.86 72.30 79
65 6.56 9.18 12.15 14.56 15.70 16.99 19.05 21.55 24.65 28.62 33.27 39.21 46.94 56.04 66.94 78.96 80
66 7.42 10.04 13.01 15.57 16.83 18.87 21.38 24.29 27.76 32.12 37.20 43.62 51.85 61.67 73.60 85.54 81
67 8.37 10.94 13.89 16.60 18.54 21.14 24.03 27.42 31.28 36.04 41.61 48.51 57.22 67.77 80.76 92.66 82
68 9.35 11.90 14.82 17.67 20.39 23.39 26.84 30.74 35.00 40.17 46.26 53.66 62.90 74.19 88.29 100.51 83
69 10.31 12.92 15.81 18.84 22.08 25.64 29.61 34.03 38.74 44.30 50.92 58.87 68.71 80.77 96.04 109.08 84
70 1l.2l 14.01 16.90 20.15 23.89 27.82 32.23 37.20 42.36 48.30 55.47 64.01 74.60 87.45 103.96 118.49 85
71 12.07 15.18 18.07 21.57 25.83 29.96 34.76 40.28 45.95 52.23 59.97 69.14 80.61 94.29 112.09 128.71 86
72 12.91 16.41 19.31 23.09 27.87 32.11 37.26 43.37 49.58 56.19 64.52 74.36 86.80 101.32 120.47 139.71 87
73 13.76 17.69 20.60 24.68 29.98 34.31 39.80 46.49 53.25 60.20 69.15 79.68 93.14 108.55 129.09 150.28 88
74 14.64 18.97 21.95 26.33 32.12 36.57 42.43 49.69 56.98 64.31 73.88 85.13 99.61 115.95 137.92 158.91 89
75 15.57 20.26 23.35 28.02 34.28 38.93 45.17 52.97 60.78 68.54 78.74 90.73 106.19 123.54 146.95 166.61 90
76 16.54 21.55 24.79 29.76 36.45 41.36 47.99 56.32 64.65 72.87 83.72 96.45 112.90 131.31 156.20 173.59 91
77 17.54 22.86 26.29 31.55 38.67 43.87 50.89 59.73 68.56 77.29 88.79 102.29 119.75 139.27 165.66 181.60 92
78 18.57 24.19 27.83 33.41 40.92 46.44 53.87 63.21 72.54 81.79 93.96 108.26 126.73 147.40 175.33 194.20 93
79 20.03 25.93 29.77 35.82 43.81 49.80 57.77 67.78 77.71 86.90 98.9l 113.99 132.56 155.80 187.57 209.55 94
80 21.87 28.09 32.25 38.85 47.55 54.10 62.75 73.57 83.58 91.89 103.70 118.77 138.67 166.62 202.40 222.10 95
81 23.70 30.43 34.98 42.16 51.65 58.76 68.11 79.13 88.39 96.34 108.05 124.25 148.30 179.79 214.52 233.61 96
82 25.67 31.01 37.96 45.80 56.11 63.79 73.26 83.68 92.67 100.38 113.03 132.87 160.02 190.56 225.64 245.78 97
83 27.84 35.82 41.24 49.75 60.90 68.61 77.47 87.73 96.55 105.01 120.87 143.37 169.61 200.43 237.39 256.82 98
84 30.22 38.91 44.79 54.00 65.51 72.55 81.22 91.41 10l.0l 112.29 130.43 151.96 178.40 210.88 248.06 278.80 99
*** CONTINENTAL ASSURANCE COMPANY ***
NON-SMOKER Y.R.T. RATES PER $l,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
20 0.19 0.20 0.21 0.21 0.21 0.21 0.21 0.20 0.21 0.21 0.21 0.22 0.22 0.23 0.24 0.25 35
21 0.18 0.19 0.20 0.20 0.20 0.20 0.20 0.20 0.21 0.21 0.21 0.22 0.23 0.24 0.25 0.27 36
22 0.17 0.18 0.19 0.20 0.19 0.19 0.19 0.20 0.21 0.21 0.22 0.23 0.24 0.25 0.27 0.29 37
23 0.17 0.17 0.19 0.19 0.19 0.19 0.19 0.20 0.21 0.22 0.23 0.24 0.25 0.27 0.29 0.32 38
24 0.16 0.17 0.18 0.19 0.18 0.19 0.19 0.20 0.22 0.23 0.24 0.25 0.27 0.29 0.32 0.35 39
25 0.16 0.17 0.18 0.18 0.18 0.19 0.20 0.21 0.22 0.24 0.25 0.27 0.29 0.32 0.35 0.38 40
26 0.16 0.16 0.18 0.18 0.19 0.19 0.20 0.22 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.42 41
27 0.16 0.17 0.18 0.19 0.19 0.20 0.21 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.41 0.46 42
28 0.16 0.17 0.19 0.19 0.20 0.21 0.23 0.24 0.27 0.29 0.32 0.35 0.37 0.41 0.45 0.50 43
29 0.16 0.17 0.19 0.20 0.21 0.22 0.24 0.26 0.29 0.32 0.35 0.37 0.40 0.44 0.49 0.54 44
30 0.16 0.17 0.19 0.20 0.22 0.23 0.25 0.28 0.31 0.34 0.37 0.40 0.44 0.49 0.54 0.59 45
31 0.16 0.17 0.20 0.21 0.23 0.25 0.27 0.30 0.34 0.37 0.40 0.44 0.49 0.54 0.59 0.65 46
32 0.16 0.18 0.20 0.22 0.24 0.26 0.29 0.32 0.36 0.40 0.44 0.49 0.54 0.59 0.64 0.71 47
33 0.16 0.18 0.21 0.23 0.25 0.28 0.31 0.35 0.40 0.43 0.48 0.54 0.59 0.64 0.71 0.78 48
34 0.16 0.18 0.22 0.24 0.27 0.30 0.33 0.38 0.43 0.48 0.53 0.58 0.64 0.70 0.78 0.87 49
35 0.17 0.19 0.23 0.26 0.28 0.33 0.36 0.41 0.47 0.53 0.58 0.64 0.70 0.77 0.85 0.96 50
36 0.17 0.20 0.24 0.28 0.31 0.36 0.40 0.45 0.52 0.58 0.63 0.69 0.77 0.85 0.94 1.06 51
37 0.18 0.21 0.26 0.30 0.34 0.39 0.44 0.50 0.57 0.63 0.69 0.76 0.83 0.92 1.03 1.17 52
38 0.18 0.23 0.28 0.33 0.37 0.43 0.48 0.55 0.62 0.68 0.75 0.83 0.91 1.02 1.14 1.29 53
39 0.19 0.24 0.30 0.36 0.40 0.47 0.53 0.60 0.67 0.75 0.82 0.90 1.00 1.12 1.27 1.43 54
40 0.20 0.26 0.32 0.39 0.43 0.51 0.58 0.65 0.73 0.82 0.89 0.98 1.10 1.24 1.41 1.61 55
41 0.21 0.28 0.35 0.42 0.47 0.55 0.62 0.70 0.79 0.88 0.97 1.07 1.21 1.38 1.57 1.82 56
42 0.22 0.30 0.38 0.45 0.51 0.59 0.67 0.76 0.84 0.94 1.04 1.17 1.33 1.52 1.75 2.05 57
43 0.24 0.32 0.41 0.49 0.55 0.64 0.72 0.82 0.91 1.01 1.13 1.29 1.47 1.69 1.95 2.31 58
44 0.25 0.35 0.45 0.53 0.60 0.70 0.79 0.90 0.99 1.09 1.24 1.42 1.63 1.88 2.17 2.57 59
45 0.27 0.38 0.49 0.58 0.66 0.76 0.87 0.97 1.08 1.20 1.37 1.57 1.81 2.09 2.42 2.83 60
46 0.29 0.41 0.53 0.63 0.72 0.84 0.95 1.06 1.19 1.34 1.52 1.75 2.02 2.33 2.69 3.11 61
47 0.31 0.45 0.58 0.69 0.78 0.92 1.04 1.17 1.33 1.48 1.68 1.94 2.25 2.60 2.99 3.43 62
48 0.33 0.49 0.63 0.75 0.85 1.01 1.17 1.31 1.46 1.61 1.86 2.15 2.49 2.88 3.31 3.79 63
49 0.35 0.53 0.68 0.81 0.92 1.10 1.31 1.45 1.59 1.77 2.04 2.37 2.74 3.17 3.65 4.20 64
50 0.37 0.57 0.74 0.88 1.00 1.19 1.43 1.58 1.72 1.92 2.23 2.59 3.00 3.47 4.01 4.62 65
51 0.40 0.60 0.80 0.95 1.07 1.28 1.54 1.70 1.85 2.08 2.41 2.81 3.26 3.78 4.37 5.06 66
52 0.42 0.64 0.85 1.02 1.15 1.37 1.65 1.83 1.99 2.24 2.61 3.04 3.53 4.09 4.75 5.52 67
53 0.44 0.68 0.92 1.10 1.24 1.46 1.77 1.96 2.13 2.42 2.82 3.29 3.83 4.43 5.17 5.99 68
54 0.43 0.73 1.00 1.20 1.35 1.58 1.98 2.10 2.30 2.61 3.04 3.56 4.14 4.81 5.62 6.47 69
*** CONTINENTAL ASSURANCE COMPANY ***
NON-SMOKER Y.R.T. RATES PER $l,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
55 0.52 0.79 1.10 1.31 l.48 1.72 2.05 2.26 2.47 2.81 3.29 3.84 4.48 5.21 6.11 7.02 70
56 0.57 0.87 1.21 1.44 1.63 1.88 2.21 2.43 2.66 3.02 3.54 4.14 4.84 5.64 6.62 7.65 71
57 0.63 0.95 1.33 1.58 1.80 2.06 2.38 2.61 2.86 3.25 3.81 4.45 5.21 6.10 7.17 8.35 72
58 0.70 1.04 1.47 1.74 1.98 2.25 2.56 2.81 3.09 3.50 4.10 4.80 5.63 6.61 7.78 9.10 73
59 0.78 1.15 1.62 1.92 2.17 2.45 2.75 3.02 3.34 3.79 4.44 5.20 6.12 7.21 8.50 9.94 74
60 0.87 1.27 1.78 2.11 2.37 2.65 2.95 3.25 3.61 4.12 4.81 5.65 6.67 7.90 9.33 10.93 75
61 0.96 1.41 1.96 2.32 2.58 2.83 3.17 3.51 3.88 4.46 5.21 6.13 7.29 8.66 10.27 12.09 76
62 1.06 1.55 2.14 2.56 2.75 3.10 3.46 3.71 4.18 4.83 5.64 6.66 7.97 9.50 11.31 13.37 77
63 1.31 1.71 2.34 2.71 3.03 3.41 3.65 3.99 4.53 5.26 6.14 7.27 8.72 10.43 12.45 14.78 78
64 1.31 1.89 2.54 2.96 3.33 3.60 3.87 4.36 4.98 5.79 6.74 7.93 9.58 11.46 13.69 16.27 79
65 1.48 2.07 2.73 3.27 3.53 3.82 4.29 4.85 5.55 6.44 7.49 8.82 10.56 12.61 15.06 17.77 80
66 1.67 2.26 2.93 3.50 3.79 4.25 4.81 5.47 6.25 7.23 8.37 9.81 11.67 13.88 16.56 19.25 81
67 1.88 2.46 3.13 3.73 4.17 4.76 5.41 6.17 7.04 8.11 9.36 10.91 12.88 15.25 18.17 20.85 82
68 2.10 2.68 3.33 3.98 4.59 5.26 6.04 6.92 7.88 9.04 10.41 12.07 14.15 16.69 19.86 22.61 83
69 2.32 2.91 3.56 4.24 4.97 5.77 6.66 7.66 8.72 9.97 11.46 13.25 15.46 18.17 21.61 24.54 84
70 2.52 3.15 3.80 4.53 5.38 6.26 7.25 8.37 9.53 10.87 12.48 14.40 16.78 19.68 23.39 26.66 85
71 2.72 3.41 4.06 4.85 5.81 6.74 7.82 9.06 10.34 11.75 13.49 15.56 18.14 21.22 25.22 28.96 86
72 2.90 3.69 4.34 5.20 6.27 7.23 8.38 9.76 11.15 12.64 14.52 16.73 19.53 22.80 27.11 31.43 87
73 3.10 3.98 4.64 5.55 6.75 7.72 8.96 10.46 11.98 13.55 15.56 17.93 20.96 24.42 29.04 33.81 88
74 3.29 4.27 4.94 5.92 7.23 8.23 9.55 11.18 12.82 14.47 16.62 19.16 22.41 26.09 31.03 35.75 89
75 3.50 4.56 5.25 6.30 7.71 8.76 10.16 11.92 13.68 15.42 17.72 20.41 23.89 27.80 33.06 37.49 90
76 3.72 4.85 5.58 6.70 8.20 9.31 10.80 12.67 14.55 16.40 18.84 21.70 25.40 29.54 35.14 39.06 91
77 3.95 5.14 5.91 7.10 8.70 9.87 11.45 13.44 15.43 17.39 19.98 23.02 26.94 31.33 37.27 40.86 92
78 4.18 5.44 6.26 7.52 9.21 10.45 12.12 14.22 16.32 18.40 21.14 24.36 28.51 33.17 39.45 43.69 93
79 4.51 5.83 6.70 8.06 9.86 11.21 13.00 15.25 17.48 19.55 22.25 25.65 29.83 35.06 42.20 47.15 94
80 4.92 6.32 7.26 8.74 10.70 12.17 14.12 16.55 18.81 20.67 23.33 26.72 31.20 37.49 45.54 49.97 95
81 5.33 6.85 7.87 9.49 11.62 13.22 15.32 17.80 19.89 21.68 24.31 27.96 33.37 40.45 48.27 52.56 96
82 5.78 7.43 8.54 10.31 12.62 14.35 16.48 18.83 20.85 22.58 25.43 29.90 36.01 42.88 50.77 55.30 97
83 6.26 8.06 9.28 11.19 13.70 15.44 17.43 19.74 21.72 23.63 27.20 32.26 38.16 45.10 53.41 57.79 98
84 6.80 8.76 10.08 12.15 14.74 16.32 18.28 20.57 22.73 25.27 29.35 34.19 40.14 47.45 55.81 62.73 99
*** CONTINENTAL ASSURANCE COMPANY ***
AGGREGATE Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
0 2.83 0.97 0.90 0.88 0.83 0.81 0.78 0.74 0.69 0.66 0.69 10
1 0.95 0.90 0.88 0.83 0.81 0.78 0.74 0.69 0.66 0.69 0.74 11
2 0.85 0.85 0.83 0.78 0.76 0.74 0.69 0.66 0.69 0.74 0.78 12
3 0.83 0.78 0.76 0.71 0.69 0.69 0.66 0.69 0.74 0.78 0.81 13
4 0.76 0.71 0.66 0.64 0.66 0.66 0.69 0.74 0.78 0.81 0.90 14
5 0.64 0.64 0.62 0.64 0.66 0.69 0.74 0.78 0.81 0.90 1.07 15
6 0.55 0.59 0.62 0.66 0.69 0.74 0.78 0.81 0.90 1.07 1.23 16
7 0.50 0.57 0.62 0.69 0.74 0.78 0.81 0.90 1.07 1.23 1.38 17
8 0.48 0.57 0.66 0.74 0.78 0.81 0.90 1.07 1.23 1.38 1.47 18
9 0.50 0.62 0.74 0.78 0.81 0.90 1.07 1.23 1.38 1.47 1.57 19
10 0.52 0.69 0.78 0.81 0.90 1.07 1.23 1.38 1.47 1.57 1.57 20
11 0.55 0.74 0.81 0.90 1.07 1.23 1.38 1.47 1.57 1.57 1.50 21
12 0.62 0.78 0.90 1.07 1.23 1.38 1.47 1.57 1.57 1.50 1.45 22
13 0.71 0.88 1.07 1.23 1.38 1.47 1.57 1.57 1.50 1.45 1.42 23
14 0.88 1.02 1.23 1.38 1.47 1.57 1.57 1.50 1.45 1.42 1.40 24
15 0.95 1.16 1.38 1.47 1.57 1.57 1.50 1.45 1.42 1.40 1.35 25
16 1.02 1.33 1.47 1.57 1.57 1.50 1.45 1.42 1.40 1.35 1.35 26
17 1.04 1.42 1.54 1.57 1.50 1.45 1.42 1.40 1.35 1.35 1.40 27
18 1.02 1.42 1.52 1.50 1.45 1.42 1.40 1.35 1.35 1.40 1.45 28
19 0.97 1.38 1.45 1.45 1.40 1.40 1.35 1.35 1.40 1.45 1.52 29
20 0.93 1.28 1.33 1.35 1.33 1.35 1.35 1.40 1.45 1.52 1.61 30
21 0.83 1.19 1.19 1.23 1.26 1.33 1.40 1.45 1.52 1.61 1.71 31
22 0.83 1.12 1.12 1.16 1.21 1.33 1.42 1.47 1.59 1.69 1.78 32
23 0.81 1.09 1.09 1.14 1.19 1.33 1.42 1.50 1.61 1.73 1.83 33
24 0.78 1.07 1.09 1.14 1.19 1.33 1.42 1.52 1.64 1.76 1.88 34
25 0.74 1.02 1.09 1.14 1.21 1.33 1.42 1.54 1.69 1.80 1.95 35
26 0.69 1.00 1.09 1.14 1.23 1.35 1.45 1.59 1.73 1.90 2.04 36
27 0.66 1.00 1.09 1.14 1.26 1.40 1.50 1.66 1.80 2.02 2.18 37
28 0.66 1.00 1.09 1.14 1.28 1.42 1.57 1.73 1.92 2.16 2.37 38
29 0.66 1.00 1.09 1.14 1.28 1.45 1.66 1.83 2.07 2.30 2.59 39
30 0.69 1.00 1.09 1.16 1.35 1.54 1.76 1.99 2.23 2.49 2.83 40
31 0.71 1.02 1.12 1.26 1.47 1.69 1.90 2.16 2.42 2.73 3.09 41
32 0.71 1.09 1.19 1.40 1.59 1.85 2.09 2.35 2.66 2.99 3.40 42
33 0.74 1.16 1.31 1.52 1.76 2.04 2.30 2.61 2.94 3.30 3.73 43
34 0.78 1.23 1.42 1.64 1.92 2.23 2.54 2.90 3.23 3.63 4.08 44
35 0.83 1.31 1.54 1.78 2.09 2.42 2.75 3.16 3.54 3.99 4.46 45
36 0.88 1.38 1.66 1.92 2.26 2.61 2.97 3.42 3.87 4.37 4.89 46
37 0.95 1.47 1.76 2.07 2.40 2.78 3.18 3.68 4.20 4.77 5.37 47
38 1.02 1.54 1.85 2.18 2.54 2.92 3.40 3.94 4.56 5.20 5.89 48
39 1.12 1.61 1.92 2.30 2.68 3.06 3.61 4.20 4.94 5.65 6.44 49
40 1.23 1.71 2.02 2.45 2.83 3.21 3.82 4.46 5.32 6.15 7.01 50
41 1.33 1.80 2.16 2.61 3.02 3.40 4.11 4.80 5.75 6.70 7.65 51
42 1.42 1.92 2.33 2.83 3.28 3.68 4.46 5.20 6.25 7.27 8.34 52
43 1.54 2.09 2.54 3.09 3.59 4.01 4.89 5.68 6.77 7.86 9.02 53
44 1.69 2.28 2.80 3.40 3.94 4.39 5.37 6.22 7.31 8.50 9.74 54
*** CONTINENTAL ASSURANCE C0MPANY ***
AGGREGATE Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
45 1.80 2.47 3.09 3.73 4.32 4.82 5.87 6.82 7.93 9.19 10.54 55
46 1.90 2.66 3.37 4.06 4.70 5.25 6.39 7.43 8.62 9.95 11.45 56
47 1.97 2.85 3.66 4.39 5.08 5.68 6.91 8.07 9.38 10.81 12.42 57
48 2.02 3.04 3.94 4.73 5.46 6.10 7.46 8.74 10.19 11.76 13.47 58
49 2.07 3.23 4.23 5.08 5.87 6.53 8.03 9.43 11.04 12.80 14.61 59
50 2.11 3.44 4.51 5.46 6.29 7.01 8.64 10.19 11.99 13.92 15.84 60
51 2.18 3.68 4.82 5.84 6.75 7.53 9.31 11.02 13.04 15.13 17.22 61
52 2.30 3.92 5.15 6.22 7.22 8.05 9.97 11.92 14.15 16.43 18.71 62
53 2.49 4.13 5.49 6.63 7.67 8.57 10.66 12.87 15.32 17.79 20.26 63
54 2.73 4.37 5.82 7.05 8.12 9.14 11.40 13.87 16.55 19.21 21.90 64
55 2.97 4.66 6.20 7.53 8.67 9.83 12.23 15.01 17.91 20.78 23.70 65
56 3.23 5.01 6.67 8.10 9.36 10.71 13.28 16.34 19.43 22.54 25.77 66
57 3.51 5.51 7.24 8.81 10.24 11.88 14.63 17.88 21.16 24.49 28.14 67
58 3.82 6.10 7.93 9.69 11.35 13.35 16.29 19.64 23.08 26.62 30.78 68
59 4.16 6.79 8.72 10.66 12.63 15.03 18.17 21.59 25.20 28.95 33.65 69
60 4.51 7.55 9.52 11.68 13.96 16.81 20.14 23.65 27.48 31.49 36.76 70
61 4.92 8.29 10.33 12.71 15.27 18.55 22.11 25.79 29.88 34.25 40.16 71
62 5.37 8.95 11.07 13.58 16.39 20.02 23.89 27.86 32.28 37.07 43.75 72
63 5.87 9.55 11.66 14.27 17.24 21.16 25.36 29.69 34.53 39.85 47.33 73
64 6.39 10.12 12.23 14.91 18.03 22.23 26.77 31.54 36.88 42.77 51.11 74
65 7.01 10.81 12.99 15.77 19.07 23.61 28.55 33.84 39.73 46.24 55.48 75
66 7.29 11.78 14.13 17.15 20.76 25.67 31.11 36.98 43.51 50.73 60.80 76
67 8.74 13.11 15.79 19.24 23.32 28.74 34.75 41.30 48.59 56.62 67.40 77
68 9.90 14.77 17.98 21.99 26.72 32.73 39.45 46.79 54.93 63.89 75.29 78
69 11.21 16.70 20.54 25.22 30.73 37.41 44.91 53.10 62.20 72.15 84.10 79
70 12.59 18.83 23.35 28.79 35.13 42.51 50.82 59.92 69.99 80.96 93.46 80
71 14.01 21.07 26.29 32.49 39.64 47.76 56.90 66.90 77.90 89.87 102.98 81
72 15.39 23.25 29.21 36.15 44.08 52.96 62.89 73.79 85.67 98.56 112.43 82
73 16.74 25.53 32.18 39.88 48.57 58.23 68.95 80.70 93.46 107.21 121.88 83
74 18.17 28.02 35.39 43.84 53.34 63.79 75.34 87.90 101.48 116.09 131.50 84
75 19.74 30.66 38.85 48.09 58.38 69.63 82.01 95.38 109.77 125.23 141.41 85
76 21.45 33.51 42.56 52.61 63.70 75.81 88.97 103.15 118.37 134.64 151.74 86
77 23.25 36.57 46.48 57.38 69.35 82.29 96.26 111.22 127.25 144.28 161.86 87
78 25.15 39.80 50.66 62.44 75.26 89.04 103.81 119.58 136.37 154.16 171.00 88
79 27.63 43.70 55.37 67.87 81.45 96.04 111.61 128.31 145.31 163.30 180.14 89
80 30.71 48.15 60.46 73.57 87.88 103.27 119.76 136.87 153.52 172.03 191.42 90
81 33.83 52.57 65.54 79.38 94.50 110.82 127.75 144.60 161.73 182.81 206.96 91
82 36.94 56.99 70.71 85.36 101.41 118.20 134.97 152.33 171.85 197.64 227.76 92
83 40.05 61.49 76.04 91.59 108.17 124.88 142.18 161.87 185.80 217.51 253.17 93
84 43.21 66.12 81.59 97.70 114.28 131.56 151.09 175.00 204.48 241.78 282.43 94
85 47.73 72.88 89.39 106.00 123.64 143.60 167.83 197.93 233.60 277.21 315.59 95
86 52.48 79.67 96.79 114.46 134.66 159.10 189.23 225.35 266.90 317.24 352.64 96
87 55.98 84.17 101.96 121.63 145.59 175.09 210.34 251.40 298.24 354.49 393.56 97
88 59.14 88.67 108.35 131.50 160.22 194.63 234.65 280.91 333.25 395.62 438.38 98
89 62.30 94.22 117.14 144.72 178.10 217.12 262.20 313.89 371.92 440.67 490.61 99
*** CONTINENTAL ASSURANCE COMPANY ***
AGGREGATE Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
0 0.64 0.22 0.20 0.20 0.19 0.18 0.18 0.17 0.15 0.15 0.15 10
1 0.21 0.20 0.20 0.19 0.18 0.18 0.17 0.15 0.15 0.15 0.17 11
2 0.19 0.19 0.19 0.18 0.17 0.17 0.15 0.15 0.15 0.17 0.18 12
3 0.19 0.18 0.17 0.16 0.15 0.15 0.15 0.15 0.17 0.18 0.18 13
4 0.17 0.16 0.15 0.14 0.15 0.15 0.15 0.17 0.18 0.18 0.20 14
5 0.14 0.14 0.14 0.14 0.15 0.15 0.17 0.18 0.18 0.20 0.24 15
6 0.12 0.13 0.14 0.13 0.15 0.17 0.18 0.18 0.20 0.24 0.28 16
7 0.11 0.13 0.14 0.15 0.17 0.18 0.18 0.20 0.24 0.28 0.31 17
8 0.11 0.13 0.15 0.17 0.18 0.18 0.20 0.24 0.28 0.31 0.33 18
9 0.11 0.14 0.17 0.18 0.18 0.20 0.24 0.28 0.31 0.33 0.35 19
10 0.12 0.15 0.18 0.18 0.20 0.24 0.28 0.31 0.33 0.35 0.35 20
11 0.12 0.17 0.18 0.20 0.24 0.28 0.31 0.33 0.35 0.35 0.34 21
12 0.14 0.18 0.20 0.24 0.28 0.31 0.33 0.35 0.35 0.34 0.33 22
13 0.16 0.20 0.24 0.28 0.31 0.33 0.35 0.35 0.34 0.33 0.32 23
14 0.19 0.23 0.28 0.31 0.33 0.35 0.35 0.34 0.33 0.32 0.32 24
15 0.21 0.26 0.31 0.33 0.35 0.35 0.34 0.33 0.32 0.32 0.30 25
16 0.23 0.30 0.33 0.35 0.35 0.34 0.33 0.32 0.32 0.30 0.30 26
17 0.24 0.32 0.35 0.35 0.34 0.33 0.32 0.32 0.30 0.30 0.32 27
18 0.23 0.32 0.34 0.34 0.33 0.32 0.32 0.30 0.30 0.32 0.33 28
19 0.22 0.31 0.33 0.33 0.32 0.32 0.30 0.30 0.32 0.33 0.34 29
20 0.21 0.29 0.30 0.30 0.30 0.30 0.30 0.32 0.33 0.34 0.36 30
21 0.20 0.27 0.27 0.28 0.28 0.30 0.32 0.33 0.34 0.36 0.38 31
22 0.19 0.25 0.25 0.26 0.27 0.30 0.32 0.33 0.36 0.38 0.40 32
23 0.18 0.25 0.25 0.26 0.27 0.30 0.32 0.34 0.36 0.39 0.41 33
24 0.18 0.24 0.25 0.26 0.27 0.30 0.32 0.34 0.37 0.40 0.42 34
25 0.17 0.23 0.25 0.26 0.27 0.30 0.32 0.35 0.38 0.41 0.44 35
26 0.15 0.22 0.25 0.26 0.28 0.30 0.33 0.36 0.39 0.43 0.46 36
27 0.15 0.22 0.25 0.26 0.28 0.32 0.34 0.37 0.41 0.45 0.49 37
28 0.15 0.22 0.25 0.26 0.29 0.32 0.35 0.39 0.43 0.49 0.53 38
29 0.15 0.22 0.25 0.26 0.29 0.33 0.37 0.41 0.46 0.52 0.58 39
30 0.15 0.22 0.25 0.26 0.30 0.35 0.40 0.45 0.50 0.56 0.64 40
31 0.16 0.23 0.25 0.28 0.33 0.38 0.43 0.49 0.55 0.61 0.69 41
32 0.16 0.25 0.27 0.32 0.36 0.42 0.47 0.53 0.60 0.67 0.76 42
33 0.17 0.26 0.29 0.34 0.40 0.46 0.52 0.59 0.66 0.74 0.84 43
34 0.18 0.28 0.32 0.37 0.43 0.50 0.57 0.65 0.73 0.82 0.92 44
35 0.19 0.29 0.35 0.40 0.47 0.55 0.62 0.71 0.80 0.90 1.00 45
36 0.20 0.31 0.37 0.43 0.51 0.59 0.67 0.77 0.87 0.98 1.10 46
37 0.21 0.33 0.40 0.46 0.54 0.63 0.72 0.83 0.95 1.07 1.21 47
38 0.23 0.35 0.42 0.49 0.57 0.66 0.76 0.89 1.03 1.17 1.33 48
39 0.25 0.36 0.43 0.52 0.60 0.69 0.81 0.95 1.11 1.27 1.45 49
40 0.28 0.38 0.45 0.55 0.64 0.72 0.86 1.00 1.20 1.38 1.58 50
41 0.30 0.41 0.49 0.59 0.68 0.76 0.92 1.08 1.29 1.51 1.72 51
42 0.32 0.43 0.52 0.64 0.74 0.83 1.00 1.17 1.41 1.64 1.88 52
43 0.35 0.47 0.57 0.69 0.81 0.90 1.10 1.28 1.52 1.77 2.03 53
44 0.38 0.51 0.63 0.76 0.89 0.99 1.21 1.40 1.65 1.91 2.19 54
*** CONTINENTAL ASSURANCE COMPANY ***
AGGREGATE Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
45 0.41 0.56 0.69 0.84 0.97 1.08 1.32 1.53 1.78 2.07 2.37 55
46 0.43 0.60 0.76 0.91 1.06 1.18 1.44 1.67 1.94 2.24 2.58 56
47 0.44 0.64 0.82 0.99 1.14 1.28 1.56 1.82 2.11 2.43 2.79 57
48 0.45 0.68 0.89 1.06 1.23 1.37 1.68 1.97 2.29 2.65 3.03 58
49 0.46 0.73 0.95 1.14 1.32 1.47 1.81 2.12 2.48 2.88 3.29 59
50 0.43 0.77 1.02 1.23 1.42 1.58 1.95 2.29 2.70 3.13 3.56 60
51 0.49 0.83 1.08 1.31 1.52 1.69 2.09 2.48 2.93 3.40 3.87 61
52 0.52 0.88 1.16 1.40 1.62 1.81 2.24 2.68 3.18 3.70 4.21 62
53 0.56 0.93 1.23 1.49 1.73 1.93 2.40 2.90 3.45 4.00 4.56 63
54 0.61 0.98 1.31 1.59 1.83 2.06 2.57 3.12 3.72 4.32 4.93 64
55 0.67 1.05 1.39 1.69 1.95 2.21 2.75 3.38 4.03 4.68 5.33 65
56 0.73 1.13 1.50 1.82 2.11 2.41 2.99 3.68 4.37 5.07 5.80 66
57 0.79 1.24 1.63 1.98 2.30 2.67 3.29 4.02 4.76 5.51 6.33 67
58 0.86 1.37 1.78 2.18 2.55 3.00 3.67 4.42 5.19 5.99 6.93 68
59 0.94 1.53 1.96 2.40 2.84 3.38 4.09 4.86 5.67 6.51 7.57 69
60 1.02 1.70 2.14 2.63 3.14 3.78 4.53 5.32 6.18 7.09 8.27 70
61 1.11 1.86 2.32 2.86 3.44 4.17 4.98 5.80 6.72 7.71 9.04 71
62 1.21 2.01 2.49 3.06 3.69 4.50 5.38 6.27 7.26 8.34 9.84 72
63 1.32 2.15 2.62 3.21 3.88 4.76 5.71 6.68 7.77 8.97 10.65 73
64 1.44 2.28 2.75 3.36 4.06 5.00 6.02 7.10 8.30 9.62 11.50 74
65 1.58 2.43 2.92 3.55 4.29 5.31 6.42 7.61 8.94 10.40 12.48 75
66 1.75 2.65 3.18 3.86 4.67 5.78 7.00 8.32 9.79 11.41 13.68 76
67 1.97 2.95 3.55 4.33 5.25 6.47 7.82 9.29 10.93 12.74 15.17 77
68 2.23 3.32 4.05 4.95 6.01 7.36 8.88 10.53 12.36 14.37 16.94 78
69 2.52 3.76 4.62 5.68 6.91 8.42 10.11 11.95 14.00 16.23 18.92 79
70 2.83 4.24 5.25 6.48 7.90 9.57 11.44 13.48 15.75 18.22 21.03 80
71 3.15 4.74 5.92 7.31 8.92 10.75 12.80 15.01 17.53 20.22 23.17 81
72 3.46 5.23 6.57 8.13 9.92 11.92 14.15 16.60 19.27 22.18 25.30 82
73 3.77 5.74 7.24 8.97 10.93 13.10 15.51 18.16 21.03 24.12 27.42 83
74 4.09 6.31 7.96 9.86 12.00 14.35 16.95 19.78 22.83 26.12 29.59 84
75 4.44 6.90 8.74 10.82 13.13 15.67 18.45 21.46 24.70 28.18 31.82 85
76 4.83 7.54 9.58 11.84 14.33 17.06 20.02 23.21 26.63 30.29 34.14 86
77 5.23 8.23 10.46 12.91 15.60 18.52 21.66 25.02 28.63 32.46 36.42 87
78 5.66 8.96 11.40 14.05 16.93 20.03 23.36 26.91 30.68 34.69 38.48 88
79 6.22 9.83 12.46 15.27 18.33 21.61 25.11 28.87 32.69 36.74 40.53 89
80 6.91 10.83 13.60 16.55 19.77 23.24 26.95 30.79 34.54 38.71 43.07 90
81 7.61 11.83 14.75 17.86 21.26 24.93 28.74 32.53 36.39 41.13 46.57 91
82 8.31 12.82 15.91 19.21 22.82 26.60 30.37 34.27 38.67 44.47 51.25 92
83 9.01 13.84 17.11 20.61 24.34 28.10 31.99 36.42 41.80 48.94 56.96 93
84 9.72 14.88 18.36 21.98 25.71 29.60 33.99 39.38 46.01 54.40 63.55 94
85 10.74 16.40 20.11 23.85 27.82 32.31 37.76 44.53 52.56 62.37 71.01 95
86 11.81 17.92 21.78 25.75 30.30 35.80 42.58 50.70 60.05 71.38 79.34 96
87 12.59 18.94 22.94 27.37 32.76 39.40 47.33 56.56 67.10 79.76 88.55 97
88 13.31 19.95 24.38 29.59 36.05 43.79 52.80 63.20 74.98 89.01 98.63 98
89 14.02 21.20 26.36 32.56 40.07 48.85 58.99 70.62 83.68 99.15 110.39 99
*** CONTINENTAL ASSURANCE COMPANY ***
SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
20 1.33 1.40 1.46 1.49 1.50 1.46 1.44 1.44 1.46 1.48 1.51 1.58 1.66 1.83 2.00 2.18 35
21 1.27 1.34 1.43 1.44 1.44 1.42 1.41 1.43 1.46 1.50 1.55 1.65 1.78 1.97 2.15 2.35 36
22 1.22 1.29 1.40 1.41 1.40 1.40 1.41 1.44 1.49 1.54 1.64 1.75 1.92 2.13 2.34 2.58 37
23 1.19 1.25 1.39 1.39 1.39 1.40 1.43 1.47 1.54 1.62 1.73 1.87 2.08 2.33 2.57 2.84 38
24 1.18 1.24 1.38 1.39 1.39 1.42 1.45 1.52 1.61 1.72 1.83 2.02 2.27 2.55 2.83 3.16 39
25 1.17 1.24 1.36 1.38 1.41 1.44 1.51 1.61 1.71 1.82 1.97 2.21 2.49 2.80 3.12 3.53 40
26 1.18 1.25 1.36 1.39 1.44 1.50 1.61 1.71 1.82 1.97 2.16 2.42 2.73 3.05 3.43 3.93 41
27 1.21 1.29 1.37 1.43 1.50 1.60 1.71 1.82 1.95 2.15 2.37 2.66 2.99 3.33 3.78 4.37 42
28 1.25 1.34 1.41 1.50 1.60 1.70 1.80 1.95 2.14 2.35 2.63 2.93 3.29 3.65 4.16 4.86 43
29 1.28 1.39 1.49 1.60 1.70 1.80 1.92 2.12 2.35 2.60 2.92 3.25 3.62 4.04 4.62 5.41 44
30 1.31 1.44 1.59 1.67 1.80 1.92 2.08 2.33 2.59 2.90 3.24 3.60 4.01 4.54 5.14 5.98 45
31 1.34 1.48 1.66 1.79 1.91 2.08 2.27 2.56 2.88 3.22 3.58 3.99 4.51 5.06 5.73 6.56 46
32 1.37 1.54 1.73 1.90 2.05 2.26 2.49 2.83 3.20 3.57 3.97 4.49 5.02 5.59 6.39 7.23 47
33 1.40 1.60 1.83 2.03 2.22 2.46 2.74 3.13 3.55 3.95 4.47 4.99 5.49 6.22 7.09 8.01 48
34 1.45 1.68 1.95 2.19 2.41 2.71 3.03 3.46 3.94 4.44 4.95 5.41 5.97 6.88 7.85 8.98 49
35 1.50 1.78 2.10 2.38 2.64 3.00 3.37 3.84 4.37 4.93 5.36 5.88 6.66 7.56 8.64 9.96 50
36 1.57 1.90 2.27 2.60 2.89 3.33 3.75 4.26 4.84 5.34 5.83 6.58 7.46 8.25 9.46 10.81 51
37 1.65 2.03 2.45 2.87 3.18 3.70 4.16 4.72 5.29 5.81 6.51 7.38 8.13 8.97 10.33 11.68 52
38 1.73 2.17 2.66 3.15 3.49 4.10 4.60 5.20 5.75 6.45 7.29 8.02 8.72 9.75 11.26 12.62 53
39 1.83 2.34 2.89 3.45 3.83 4.51 5.06 5.72 6.39 7.20 7.91 8.60 9.41 10.61 12.26 13.77 54
40 1.94 2.52 3.14 3.75 4.19 4.93 5.54 6.26 7.05 7.81 8.51 9.30 10.29 11.57 13.33 15.18 55
41 2.06 2.71 3.41 4.08 4.58 5.36 6.02 6.81 7.64 8.44 9.25 10.15 11.24 12.60 14.47 16.76 56
42 2.19 2.91 3.69 4.43 4.99 5.81 6.52 7.39 8.25 9.17 10.05 11.05 12.25 13.72 15.68 18.42 57
43 2.33 3.13 4.00 4.79 5.42 6.28 7.08 8.02 8.90 9.88 10.87 12.02 13.33 14.92 16.97 20.06 58
44 2.47 3.37 4.32 5.17 5.88 6.80 7.70 8.72 9.63 10.68 11.77 13.05 14.48 16.22 18.39 21.52 59
45 2.61 3.62 4.67 5.58 6.34 7.37 8.42 9.50 10.46 11.61 12.82 14.15 15.71 17.61 19.92 22.90 60
46 2.75 3.90 5.03 6.00 6.82 8.00 9.24 10.39 11.40 12.66 13.97 15.30 17.01 19.08 21.54 24.37 61
47 2.91 4.19 5.42 6.45 7.32 8.68 10.14 11.34 12.42 13.80 15.14 16.52 18.39 20.65 23.26 25.98 62
48 3.06 4.48 5.82 6.91 7.84 9.37 11.06 12.32 13.47 14.98 16.33 17.80 19.85 22.34 25.15 27.78 63
49 3.21 4.77 6.22 7.39 8.36 10.06 11.95 13.27 14.50 16.14 17.46 19.15 21.41 24.18 27.27 30.30 64
50 3.35 5.05 6.62 7.86 8.86 10.70 12.78 14.16 15.46 17.26 18.61 20.54 23.07 26.16 29.63 33.44 65
51 3.49 5.28 6.99 8.31 9.33 11.27 13.54 14.99 16.35 18.33 19.81 21.98 24.79 28.25 32.19 36.62 66
52 3.61 5.51 7.37 8.76 9.78 11.82 14.27 15.79 17.22 19.40 21.02 23.48 26.59 30.48 34.95 40.05 67
53 3.76 5.77 7.79 9.29 10.31 12.40 15.02 16.61 18.11 20.50 22.31 25.08 28.55 32.91 37.97 43.56 68
54 3.97 6.08 8.29 9.93 10.99 13.10 15.81 17.48 19.08 21.66 23.72 26.83 30.72 35.58 41.31 47.06 69
*** CONTINENTAL ASSURANCE COMPANY ***
SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD
ISSUE POLICY YEAR
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13
55 4.25 6.46 8.90 10.74 11.86 13.96 16.67 18.40 20.11 22.87 25.25 28.72 33.12
56 4.56 6.90 9.61 11.72 12.93 14.93 17.56 19.35 21.17 24.08 26.85 30.70 35.71
57 4.92 7.38 10.40 12.82 14.15 16.01 18.48 20.33 22.28 25.32 28.55 32.81 38.50
58 5.34 7.95 11.26 14.00 15.45 17.16 19.49 21.40 23.52 26.73 30.42 35.12 41.52
59 5.83 8.60 12.20 15.21 16.76 18.36 20.59 22.63 24.97 28.41 32.54 37.72 44.80
60 6.37 9.36 13.20 16.42 18.02 19.53 21.73 23.95 26.59 30.35 34.85 40.53 48.24
61 6.97 10.21 14.29 17.63 19.22 20.61 22.81 25.23 28.23 32.41 37.20 43.41 51.70
62 7.62 11.15 15.45 18.87 20.42 22.05 23.94 26.60 30.03 34.69 39.75 46.51 55.34
63 8.38 12.19 16.67 20.18 21.83 23.66 25.38 28.37 32.26 37.44 42.81 50.16 59.58
64 9.29 13.33 17.95 21.57 23.40 25.08 27.40 30.80 35.19 40.92 46.72 54.71 64.80
65 10.41 14.56 19.26 23.06 24.89 26.92 30.22 34.16 39.09 45.38 51.79 60.49 71.36
66 11.76 15.90 20.61 24.62 26.59 29.88 33.88 38.47 43.98 50.88 58.08 67.55 79.31
67 13.26 17.34 22.02 26.26 29.28 33.51 38.11 43.47 49.58 57.14 65.23 75.54 88.26
68 14.84 18.87 23.51 28.02 32.33 37.11 42.60 48.78 55.55 63.75 72.80 83.96 97.68
69 16.37 20.50 25.11 29.92 35.07 40.72 47.03 54.05 61.51 70.35 80.32 92.31 107.07
70 17.81 22.24 26.84 32.00 37.96 44.19 51.20 59.08 67.29 76.72 87.53 100.29 116.08
71 19.17 24.10 28.69 34.27 41.03 47.59 55.20 63.98 72.98 82.97 94.57 108.02 124.83
72 20.50 26.07 30.66 36.67 44.28 51.01 59.18 68.88 78.73 89.25 101.62 115.75 133.58
73 21.85 28.10 32.73 39.20 47.63 54.50 63.22 73.85 84.56 95.62 108.77 123.63 142.55
74 23.26 30.14 34.87 41.82 51.03 58.10 67.39 78.92 90.49 102.16 116.12 131.80 151.93
75 24.74 32.18 37.09 44.50 54.44 61.85 71.73 84.13 96.53 108.87 123.70 140.36 161.83
76 26.27 34.23 39.38 47.26 57.90 65.71 76.22 89.45 102.67 115.74 131.49 149.25 172.18
77 27.86 36.31 41.75 50.11 61.42 69.68 80.83 94.88 108.98 122.76 139.46 158.42 182.91
78 29.49 38.41 44.21 53.06 64.99 73.76 85.57 100.40 115.23 129.91 147.60 167.87 194.02
79 31.79 41.27 47.53 56.72 69.60 78.75 9l.21 106.92 122.05 136.99 155.89 178.70 208.82
80 34.77 45.02 51.57 61.37 75.19 84.68 97.87 114.05 128.94 144.32 165.65 193.20 229.82
81 37.93 48.85 55.80 66.30 80.85 90.86 104.40 120.50 135.84 153.36 179.09 212.62 255.46
82 41.16 52.85 60.28 71.29 86.76 96.92 110.30 126.94 144.35 165.80 197.09 236.34 284.98
83 44.53 57.09 64.82 76.50 92.54 102.39 116.19 134.89 156.06 182.47 219.08 263.66 318.44
84 48.10 61.39 69.55 81.59 97.77 107.87 123.47 145.84 171.75 202.83 244.40 294.61 355.82
MALE - AGE LAST BIRTHDAY
ISSUE ATT'D
AGE 14 15 16+ AGE
55 38.52 44.98 51.02 70
56 41.70 48.95 55.64 71
57 45.10 53.22 60.70 72
58 48.79 57.83 66.35 73
59 52.81 62.81 72.95 74
60 57.07 68.09 79.69 75
61 61.43 73.52 86.33 76
62 66.05 79.26 93.53 77
63 71.30 85.68 101.21 78
64 77.54 93.12 110.23 79
65 85.14 101.98 120.56 80
66 94.17 112.31 131.53 81
67 104.23 123.70 142.72 82
68 114.75 135.59 154.40 83
69 125.18 147.38 166.80 84
70 135.12 158.65 179.36 85
71 144.65 169.42 192.47 86
72 154.12 180.12 205.30 87
73 163.88 191.22 216.90 88
74 174.27 203.17 228.50 89
75 185.46 216.20 242.81 90
76 197.34 230.16 262.51 91
77 209.80 244.89 288.90 92
78 222.82 260.40 321.13 93
79 241.95 283.67 358.24 94
80 268.94 316.45 400.30 95
81 300.02 353.60 447.29 96
82 335.24 395.11 499.19 97
83 374.60 440.96 556.04 98
84 418.07 491.17 622.29 99
*** CONTINENTAL ASSURANCE COMPANY ***
SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
20 0.30 0.32 0.33 0.34 0.34 0.33 0.32 0.32 0.33 0.33 0.34 0.35 0.37 0.41 0.45 0.49 35
21 0.29 0.30 0.32 0.32 0.32 0.32 0.32 0.32 0.33 0.34 0.35 0.37 0.40 0.44 0.48 0.53 36
22 0.28 0.29 0.32 0.32 0.32 0.31 0.32 0.32 0.34 0.35 0.37 0.39 0.43 0.48 0.53 0.58 37
23 0.27 0.28 0.31 0.31 0.31 0.31 0.32 0.33 0.35 0.37 0.39 0.42 0.47 0.52 0.58 0.64 38
24 0.26 0.28 0.31 0.31 0.31 0.32 0.33 0.34 0.36 0.39 0.41 0.46 0.51 0.57 0.64 0.71 39
25 0.26 0.28 0.31 0.31 0.32 0.32 0.34 0.36 0.38 0.41 0.44 0.50 0.56 0.63 0.70 0.79 40
26 0.27 0.28 0.30 0.31 0.32 0.34 0.36 0.38 0.41 0.44 0.49 0.54 0.61 0.69 0.77 0.88 41
27 0.27 0.29 0.31 0.32 0.34 0.36 0.38 0.41 0.44 0.48 0.53 0.60 0.67 0.75 0.85 0.98 42
28 0.28 0.30 0.32 0.34 0.36 0.38 0.41 0.44 0.48 0.53 0.59 0.66 0.74 0.82 0.94 1.09 43
29 0.29 0.31 0.34 0.36 0.38 0.41 0.43 0.48 0.53 0.59 0.66 0.73 0.82 0.91 1.04 1.22 44
30 0.29 0.32 0.36 0.38 0.40 0.43 0.47 0.52 0.58 0.65 0.73 0.81 0.90 1.02 1.16 1.35 45
31 0.30 0.33 0.37 0.40 0.43 0.47 0.51 0.58 0.65 0.73 0.81 0.90 1.02 1.14 1.29 1.48 46
32 0.31 0.35 0.39 0.43 0.46 0.51 0.56 0.64 0.72 0.80 0.89 1.01 1.13 1.26 1.44 1.63 47
33 0.32 0.36 0.41 0.46 0.50 0.55 0.62 0.70 0.80 0.89 1.00 1.12 1.24 1.40 1.60 1.80 48
34 0.33 0.38 0.44 0.49 0.54 0.61 0.68 0.78 0.89 1.00 1.11 1.22 1.34 1.55 1.77 2.02 49
35 0.34 0.40 0.47 0.54 0.59 0.67 0.76 0.86 0.98 1.11 1.21 1.32 1.50 1.70 1.94 2.24 50
36 0.35 0.43 0.51 0.59 0.65 0.75 0.84 0.96 1.09 1.20 1.31 1.48 1.68 1.86 2.13 2.43 51
37 0.37 0.46 0.55 0.64 0.72 0.83 0.94 1.06 1.19 1.31 1.47 1.66 1.83 2.02 2.32 2.63 52
38 0.39 0.49 0.60 0.71 0.79 0.92 1.03 1.17 1.29 1.45 1.64 1.80 1.96 2.19 2.53 2.84 53
39 0.41 0.53 0.65 0.78 0.86 1.02 1.14 1.29 1.44 1.62 1.78 1.94 2.12 2.39 2.76 3.10 54
40 0.44 0.57 0.71 0.84 0.94 1.11 1.25 1.41 1.59 1.76 1.92 2.09 2.32 2.60 3.00 3.42 55
41 0.46 0.61 0.77 0.92 1.03 1.21 1.35 1.53 1.72 1.90 2.08 2.28 2.53 2.84 3.26 3.77 56
42 0.49 0.66 0.83 1.00 1.12 1.31 1.47 1.66 1.86 2.06 2.26 2.49 2.76 3.09 3.53 4.14 57
43 0.52 0.70 0.90 1.08 1.22 1.41 1.59 1.80 2.00 2.22 2.45 2.70 3.00 3.36 3.82 4.51 58
44 0.56 0.76 0.97 1.16 1.32 1.53 1.73 1.96 2.17 2.40 2.65 2.94 3.26 3.65 4.14 4.84 59
45 0.59 0.82 1.05 1.26 1.43 1.66 1.89 2.14 2.35 2.61 2.88 3.18 3.54 3.96 4.48 5.15 60
46 0.62 0.88 1.13 1.35 1.53 1.80 2.08 2.34 2.57 2.85 3.14 3.44 3.83 4.29 4.85 5.48 61
47 0.65 0.94 1.22 1.45 1.65 1.95 2.28 2.55 2.80 3.10 3.41 3.72 4.14 4.65 5.23 5.85 62
48 0.69 1.01 1.31 1.56 1.76 2.11 2.49 2.77 3.03 3.37 3.67 4.01 4.47 5.03 5.66 6.25 63
49 0.72 1.07 1.40 1.66 1.88 2.26 2.69 2.99 3.26 3.63 3.93 4.31 4.82 5.44 6.14 6.82 64
50 0.75 1.14 1.49 1.77 1.99 2.41 2.88 3.19 3.48 3.88 4.19 4.62 5.19 5.89 6.67 7.52 65
51 0.78 1.19 1.57 1.87 2.10 2.54 3.05 3.37 3.68 4.13 4.46 4.95 5.58 6.36 7.24 8.24 66
52 0.81 1.24 1.66 1.97 2.20 2.66 3.21 3.55 3.87 4.37 4.73 5.28 5.98 6.86 7.86 9.01 67
53 0.85 1.30 1.75 2.09 2.32 2.79 3.38 3.74 4.08 4.61 5.02 5.64 6.42 7.40 8.54 9.80 68
54 0.89 1.37 1.87 2.23 2.47 2.95 3.56 3.93 4.29 4.87 5.34 6.04 6.91 8.01 9.30 10.59 69
*** CONTINENTAL ASSURANCE COMPANY ***
SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
55 0.96 1.45 2.00 2.42 2.67 3.14 3.75 4.14 4.52 5.15 5.68 6.46 7.45 8.67 10.12 11.48 70
56 1.03 1.55 2.16 2.64 2.91 3.36 3.95 4.35 4.76 5.42 6.04 6.91 8.03 9.38 11.01 12.52 71
57 1.11 1.66 2.34 2.89 3.18 3.60 4.16 4.57 5.01 5.70 6.42 7.38 8.66 10.15 11.97 13.66 72
58 1.20 1.79 2.53 3.15 3.48 3.86 4.38 4.82 5.29 6.01 6.84 7.90 9.34 10.98 13.01 14.93 73
59 1.31 1.94 2.74 3.42 3.77 4.13 4.63 5.09 5.62 6.39 7.32 8.49 10.08 11.88 14.13 16.41 74
60 1.43 2.11 2.97 3.69 4.05 4.39 4.89 5.39 5.98 6.83 7.84 9.12 10.85 12.84 15.32 17.93 75
61 1.57 2.30 3.21 3.97 4.32 4.64 5.13 5.68 6.35 7.29 8.37 9.77 11.63 13.82 16.54 19.42 76
62 1.71 2.51 3.48 4.25 4.59 4.96 5.39 5.99 6.76 7.81 8.94 10.46 12.45 14.86 17.83 21.04 77
63 1.89 2.74 3.75 4.54 4.91 5.32 5.71 6.38 7.26 8.42 9.63 11.29 13.41 16.04 19.28 22.77 78
64 2.09 3.00 4.04 4.85 5.27 5.64 6.16 6.93 7.92 9.21 10.51 12.31 14.58 17.45 20.95 24.80 79
65 2.34 3.28 4.33 5.19 5.60 6.06 6.80 7.69 8.79 10.21 11.65 13.61 16.06 19.16 22.94 27.13 80
66 2.65 3.58 4.64 5.54 5.98 6.72 7.62 8.66 9.89 11.45 13.07 15.20 17.84 21.19 25.27 29.59 81
67 2.98 3.90 4.95 5.91 6.59 7.54 8.58 9.78 11.16 12.86 14.68 17.00 19.86 23.45 27.83 32.11 82
68 3.34 4.25 5.29 6.30 7.27 8.35 9.59 10.98 12.50 14.34 16.38 18.89 21.98 25.82 30.51 34.74 83
69 3.68 4.61 5.65 6.73 7.89 9.16 10.58 12.16 13.84 15.83 18.07 20.77 24.09 28.17 33.16 37.53 84
70 4.01 5.00 6.04 7.20 8.54 9.94 11.52 13.29 15.14 17.26 19.70 22.57 26.12 30.40 35.70 40.36 85
71 4.31 5.42 6.46 7.71 9.23 10.71 12.42 14.40 16.42 18.67 21.28 24.31 28.09 32.55 38.12 43.31 86
72 4.61 5.87 6.90 8.25 9.96 11.48 13.32 15.50 17.72 20.08 22.86 26.04 30.06 34.68 49.53 46.19 87
73 4.92 6.32 7.36 8.82 10.72 12.26 14.22 16.62 19.03 21.52 24.47 27.82 32.07 36.87 43.02 48.80 88
74 5.23 6.78 7.85 9.41 11.48 13.07 15.16 17.76 20.36 22.98 26.13 29.66 34.18 39.21 45.71 51.41 89
75 5.57 7.24 8.34 10.01 12.25 13.92 16.14 18.93 21.72 24.49 27.83 31.58 36.41 41.73 48.65 54.63 90
76 5.91 7.70 8.86 10.63 13.03 14.78 17.15 20.13 23.10 26.04 29.59 33.58 38.74 44.40 51.79 59.06 91
77 6.27 8.17 9.39 11.28 13.82 15.68 18.19 21.35 24.50 27.62 31.38 35.64 41.15 47.20 55.10 65.00 92
78 6.64 8.64 9.95 11.94 14.62 16.60 19.25 22.59 25.93 29.23 33.21 37.77 43.65 50.14 58.59 72.25 93
79 7.15 9.29 10.69 12.76 15.66 17.72 20.52 24.06 27.46 30.82 35.07 40.21 46.99 54.44 63.83 80.60 94
80 7.82 10.13 11.60 13.81 16.92 19.05 22.02 25.66 29.0l 32.47 37.27 43.47 51.71 60.51 71.20 90.07 95
81 8.53 10.99 12.55 14.92 18.19 20.44 23.49 27.11 30.56 34.51 40.30 47.84 57.48 67.50 79.56 100.64 96
82 9.26 11.89 13.56 16.04 19.52 21.81 24.82 28.56 32.48 37.31 44.35 53.18 64.12 75.43 88.90 112.32 97
83 10.02 12.85 14.58 17.21 20.82 23.04 26.14 30.35 35.11 41.06 49.29 59.32 71.65 84.23 99.22 125.11 98
84 10.82 13.81 15.65 18.36 22.00 24.27 27.78 32.81 38.64 45.64 54.99 66.29 80.06 94.06 110.51 140.02 99
*** CONTINENTAL ASSURANCE C0MPANY ***
NON-SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
20 0.85 0.89 0.93 0.95 0.95 0.93 0.91 0.91 0.92 0.94 0.95 0.97 0.99 1.02 1.06 1.12 35
21 0.30 0.84 0.89 0.91 0.90 0.89 0.88 0.89 0.91 0.93 0.95 0.97 1.01 1.06 1.12 1.19 36
22 0.77 0.80 0.87 0.87 0.86 0.86 0.86 0.88 0.92 0.94 0.97 1.00 1.05 1.12 1.19 1.29 37
23 0.74 0.77 0.84 0.85 0.84 0.85 0.85 0.88 0.93 0.97 1.00 1.05 1.11 1.19 1.29 1.42 38
24 0.71 0.75 0.82 0.83 0.82 0.84 0.86 0.90 0.96 1.00 1.05 1.11 1.18 1.28 1.41 1.56 39
25 0.70 0.74 0.81 0.82 0.82 0.85 0.87 0.93 1.00 1.05 1.11 1.18 1.28 1.41 1.55 1.70 40
26 0.69 0.73 0.81 0.82 0.84 0.87 0.90 0.97 1.04 1.10 1.18 1.28 1.41 1.55 1.69 1.85 41
27 0.69 0.74 0.82 0.84 0.86 0.90 0.95 1.02 1.10 1.18 1.27 1.41 1.54 1.67 1.84 2.02 42
28 0.70 0.75 0.83 0.86 0.90 0.94 1.00 1.09 1.18 1.27 1.40 1.54 1.66 1.81 2.00 2.21 43
29 0.70 0.76 0.84 0.88 0.94 0.98 1.07 1.16 1.27 1.40 1.54 1.65 1.80 1.97 2.19 2.41 44
30 0.70 0.77 0.86 0.91 0.97 1.04 1.13 1.24 1.38 1.53 1.65 1.79 1.96 2.17 2.40 2.63 45
31 0.70 0.77 0.88 0.94 1.01 1.09 1.20 1.34 1.49 1.64 1.78 1.95 2.16 2.39 2.62 2.87 46
32 0.71 0.78 0.90 0.97 1.06 1.16 1.27 1.44 1.62 1.77 1.94 2.16 2.39 2.61 2.86 3.15 47
33 0.72 0.79 0.92 1.01 1.11 1.24 1.37 1.55 1.76 1.93 2.15 2.38 2.60 2.84 3.14 3.47 48
34 0.73 0.81 0.96 1.07 1.18 1.33 1.48 1.68 1.92 2.14 2.38 2.59 2.84 3.12 3.45 3.86 49
35 0.74 0.85 1.01 1.14 1.27 1.45 1.61 1.84 2.11 2.37 2.58 2.83 3.11 3.43 3.79 4.28 50
36 0.76 0.90 1.08 1.23 1.37 1.59 1.77 2.02 2.31 2.57 2.81 3.09 3.41 3.76 4.18 4.71 51
37 0.79 0.95 1.15 1.34 1.49 1.74 1.96 2.22 2.52 2.79 3.07 3.38 3.71 4.11 4.59 5.18 52
38 0.82 1.01 1.24 1.46 1.63 1.91 2.15 2.43 2.75 3.04 3.35 3.68 4.03 4.52 5.07 5.73 53
39 0.85 1.08 1.33 1.59 1.77 2.09 2.36 2.66 3.00 3.33 3.65 3.99 4.42 4.99 5.62 6.37 54
40 0.89 1.16 1.44 1.72 1.92 2.28 2.56 2.89 3.25 3.63 3.96 4.36 4.88 5.52 6.27 7.15 55
41 0.94 1.24 1.56 1.87 2.09 2.45 2.77 3.13 3.49 3.90 4.29 4.77 5.38 6.12 6.99 8.08 56
42 1.00 1.33 1.68 2.02 2.27 2.64 2.98 3.37 3.75 4.17 4.64 5.22 5.92 6.77 7.78 9.13 57
43 1.06 1.43 1.82 2.18 2.46 2.85 3.22 3.65 4.04 4.48 5.04 5.72 6.54 7.51 8.66 10.26 58
44 1.12 1.54 1.98 2.37 2.68 3.09 3.51 3.98 4.38 4.86 5.52 6.30 7.24 8.34 9.65 11.41 59
45 1.20 1.67 2.16 2.58 2.92 3.38 3.87 4.33 4.78 5.35 6.09 6.98 8.06 9.30 10.75 12.58 60
46 1.28 1.82 2.35 2.81 3.18 3.72 4.24 4.72 5.28 5.98 6.74 7.77 8.97 10.37 11.98 13.82 61
47 1.37 1.99 2.57 3.05 3.48 4.10 4.63 5.21 5.92 6.57 7.47 8.63 9.98 11.54 13.30 15.24 62
48 1.47 2.17 2.80 3.32 3.78 4.49 5.21 5.83 6.51 7.16 8.26 9.56 11.05 12.80 14.72 16.86 63
49 1.57 2.34 3.04 3.61 4.11 4.90 5.82 6.46 7.05 7.85 9.07 10.53 12.18 14.11 16.23 18.65 64
50 1.67 2.52 3.29 3.91 4.45 5.30 6.33 7.02 7.65 8.54 9.90 11.51 13.32 15.44 17.80 20.54 65
51 1.76 2.68 3.54 4.22 4.78 5.69 6.83 7.56 8.24 9.24 10.73 12.50 14.49 16.79 19.43 22.49 66
52 1.85 2.83 3.80 4.53 5.12 6.07 7.34 8.11 8.84 9.97 11.60 13.53 15.71 18.19 21.13 24.54 67
53 1.97 3.01 4.09 4.89 5.52 6.49 7.87 8.70 9.49 10.74 12.52 14.62 17.00 19.69 22.97 26.64 68
54 2.12 3.24 4.44 5.32 5.99 7.01 8.46 9.34 10.20 11.58 13.52 15.81 18.42 21.36 24.99 28.77 69
*** CONTINENTAL ASSURANCE COMPANY ***
NON-SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED STANDARD MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
55 2.32 3.52 4.87 5.83 6.57 7.63 9.11 10.05 10.99 12.49 14.60 17.08 19.93 23.17 27.17 31.19 70
56 2.55 3.85 5.37 6.41 7.24 8.36 9.81 10.80 11.83 13.44 15.73 18.40 21.50 25.08 29.44 34.02 71
57 2.81 4.22 5.93 7.04 7.99 9.16 10.56 11.60 12.72 14.46 16.91 19.79 23.16 27.11 31.86 37.11 72
58 3.11 4.63 6.54 7.75 8.80 10.02 11.36 12.47 13.71 15.58 18.23 21.33 25.02 29.39 34.59 40.46 73
59 3.46 5.11 7.20 8.52 9.65 10.91 12.22 13.42 14.82 16.86 19.73 23.11 27.18 32.04 37.77 44.17 74
60 3.85 5.65 7.92 9.38 10.54 11.77 13.09 14.42 16.03 18.30 21.39 25.11 29.66 35.09 41.48 48.57 75
61 4.26 6.25 8.70 10.33 11.46 12.58 14.11 15.59 17.25 19.81 23.16 27.26 32.40 38.50 45.66 53.73 76
62 4.72 6.90 9.53 11.36 12.24 13.77 15.38 16.64 18.57 21.46 25.07 29.61 35.41 42.24 50.26 59.43 77
63 5.24 7.62 10.39 12.06 13.45 15.14 16.24 17.71 20.14 23.38 27.30 32.29 38.78 46.37 55.32 65.67 78
64 5.84 8.38 11.27 13.14 14.79 15.98 17.21 19.36 22.12 25.72 29.98 35.45 42.59 50.94 60.86 72.30 79
65 6.56 9.18 12.15 14.56 15.70 16.99 19.05 21.55 24.65 28.62 33.27 39.21 46.94 56.04 66.94 78.96 80
66 7.42 10.04 13.01 15.57 16.83 18.87 21.38 24.29 27.76 32.12 37.20 43.62 51.85 61.67 73.60 85.54 81
67 8.37 10.94 13.89 16.60 18.54 21.14 24.03 27.42 31.28 36.04 41.61 48.51 57.22 67.77 80.76 92.66 82
68 9.35 11.98 14.82 17.67 20.39 23.39 26.84 30.74 35.00 40.17 46.26 53.66 62.90 74.19 88.29 100.51 83
69 10.31 12.92 15.81 18.84 22.08 25.64 29.61 34.03 38.74 44.30 50.92 58.87 68.71 80.77 96.04 109.08 84
70 11.2l 14.01 16.90 20.15 23.89 27.82 32.23 37.20 42.36 48.30 55.47 64.01 74.60 87.45 103.96 118.49 85
71 12.07 15.18 18.07 21.57 25.83 29.96 34.76 40.28 45.95 52.23 59.97 69.14 80.61 94.29 112.09 128.71 86
72 12.91 16.41 19.31 23.09 27.87 32.11 37.26 43.37 49.58 56.19 64.52 74.36 86.80 101.32 120.47 139.71 87
73 13.76 17.69 20.60 24.68 29.98 34.31 39.80 46.49 53.25 60.20 69.15 79.68 93.14 108.55 129.09 150.28 88
74 14.64 18.97 21.95 26.33 32.12 36.57 42.43 49.69 56.98 64.31 73.88 85.13 99.61 115.95 137.92 158.91 89
75 15.57 20.26 23.35 28.02 34.28 38.93 45.17 52.97 60.78 68.54 78.74 90.73 106.19 123.54 146.95 166.61 90
76 16.54 21.55 24.79 29.76 36.45 41.36 47.99 56.32 64.65 72.87 83.72 96.45 112.90 131.31 156.20 173.59 91
77 17.54 22.86 26.29 31.55 38.67 43.87 50.89 59.73 68.56 77.29 88.79 102.29 119.75 139.27 165.66 181.60 92
78 18.57 24.19 27.83 33.41 40.92 46.44 53.87 63.21 72.54 81.79 93.96 108.26 126.73 147.40 175.33 194.20 93
79 20.03 25.93 29.77 35.82 43.81 49.80 57.77 67.73 77.71 86.90 98.91 113.99 132.56 155.80 187.57 209.55 94
80 21.87 28.09 32.25 38.85 47.55 54.10 62.75 73.57 83.58 91.89 103.70 118.77 138.67 166.62 202.40 222.10 95
81 23.70 30.43 34.98 42.16 51.65 58.76 68.11 79.13 88.39 96.34 108.05 124.25 148.30 179.79 214.52 233.61 96
82 25.67 31.01 37.96 45.80 56.11 63.79 73.26 83.68 92.67 100.38 113.03 132.87 160.02 190.56 225.64 245.78 97
83 27.84 35.82 41.24 49.75 60.90 68.61 77.47 87.73 96.55 105.81 120.87 143.37 169.61 200.43 237.39 256.82 98
84 30.22 38.91 44.79 54.00 65.51 72.55 81.22 91.41 10l.0l 112.29 130.43 151.96 178.40 210.88 248.06 278.80 99
*** CONTINENTAL ASSURANCE C0MPANY ***
NON-SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
20 0.19 0.20 0.21 0.21 0.21 0.21 0.21 0.20 0.21 0.21 0.21 0.22 0.22 0.23 0.24 0.25 35
21 0.18 0.19 0.20 0.20 0.20 0.20 0.20 0.20 0.21 0.21 0.21 0.22 0.23 0.24 0.25 0.27 36
22 0.17 0.18 0.19 0.20 0.19 0.19 0.19 0.20 0.21 0.21 0.22 0.23 0.24 0.25 0.27 0.29 37
23 0.17 0.17 0.19 0.19 0.19 0.19 0.19 0.20 0.21 0.22 0.23 0.24 0.25 0.27 0.29 0.32 38
24 0.16 0.17 0.18 0.19 0.18 0.19 0.19 0.20 0.22 0.23 0.24 0.25 0.27 0.29 0.32 0.35 39
25 0.16 0.17 0.18 0.18 0.18 0.19 0.20 0.21 0.22 0.24 0.25 0.27 0.29 0.32 0.35 0.38 40
26 0.16 0.16 0.18 0.18 0.19 0.19 0.20 0.22 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.42 41
27 0.16 0.17 0.18 0.19 0.19 0.20 0.21 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.41 0.46 42
28 0.16 0.17 0.19 0.19 0.20 0.21 0.23 0.24 0.27 0.29 0.32 0.35 0.37 0.41 0.45 0.50 43
29 0.16 0.17 0.19 0.20 0.21 0.22 0.24 0.26 0.29 0.32 0.35 0.37 0.40 0.44 0.49 0.54 44
30 0.16 0.17 0.19 0.20 0.22 0.23 0.25 0.28 0.31 0.34 0.37 0.40 0.44 0.49 0.54 0.59 45
31 0.16 0.17 0.20 0.21 0.23 0.25 0.27 0.30 0.34 0.37 0.40 0.44 0.49 0.54 0.59 0.65 46
32 0.16 0.18 0.20 0.22 0.24 0.26 0.29 0.32 0.36 0.40 0.44 0.49 0.54 0.59 0.64 0.71 47
33 0.16 0.18 0.21 0.23 0.25 0.28 0.31 0.35 0.40 0.43 0.48 0.54 0.59 0.64 0.71 0.78 48
34 0.16 0.18 0.22 0.24 0.27 0.30 0.33 0.38 0.43 0.48 0.53 0.58 0.64 0.70 0.78 0.87 49
35 0.17 0.19 0.23 0.26 0.28 0.33 0.36 0.41 0.47 0.53 0.58 0.64 0.70 0.77 0.85 0.96 50
36 0.17 0.20 0.24 0.28 0.31 0.36 0.40 0.45 0.52 0.58 0.63 0.69 0.77 0.85 0.94 1.06 51
37 0.18 0.21 0.26 0.30 0.34 0.39 0.44 0.50 0.57 0.63 0.69 0.76 0.83 0.92 1.03 1.17 52
38 0.18 0.23 0.28 0.33 0.37 0.43 0.48 0.55 0.62 0.68 0.75 0.83 0.91 1.02 1.14 1.29 53
39 0.19 0.24 0.30 0.36 0.40 0.47 0.53 0.60 0.67 0.75 0.82 0.90 1.00 1.12 1.27 1.43 54
40 0.20 0.26 0.32 0.39 0.43 0.51 0.58 0.65 0.73 0.82 0.89 0.98 1.10 1.24 1.41 1.61 55
41 0.21 0.28 0.35 0.42 0.47 0.55 0.62 0.70 0.79 0.88 0.97 1.07 1.21 1.38 1.57 1.82 56
42 0.22 0.30 0.38 0.45 0.51 0.59 0.67 0.76 0.84 0.94 1.04 1.17 1.33 1.52 1.75 2.05 57
43 0.24 0.32 0.41 0.49 0.55 0.64 0.72 0.82 0.91 1.01 1.13 1.29 1.47 1.69 1.95 2.31 58
44 0.25 0.35 0.45 0.53 0.60 0.70 0.79 0.90 0.99 1.09 1.24 1.42 1.63 1.88 2.17 2.57 59
45 0.27 0.38 0.49 0.58 0.66 0.76 0.87 0.97 1.08 1.20 1.37 1.57 1.81 2.09 2.42 2.83 60
46 0.29 0.41 0.53 0.63 0.72 0.84 0.95 1.06 1.19 1.34 1.52 1.75 2.02 2.33 2.69 3.11 61
47 0.31 0.45 0.58 0.69 0.78 0.92 1.04 1.17 1.33 1.48 1.68 1.94 2.25 2.60 2.99 3.43 62
48 0.33 0.49 0.63 0.75 0.85 1.01 1.17 1.31 1.46 1.61 1.86 2.15 2.49 2.88 3.31 3.79 63
49 0.35 0.53 0.68 0.81 0.92 1.10 1.31 1.45 1.59 1.77 2.04 2.37 2.74 3.17 3.65 4.20 64
50 0.37 0.57 0.74 0.88 1.00 1.19 1.43 1.58 1.72 1.92 2.23 2.59 3.00 3.47 4.01 4.62 65
51 0.40 0.60 0.80 0.95 1.07 1.28 1.54 1.70 1.85 2.08 2.41 2.81 3.26 3.78 4.37 5.06 66
52 0.42 0.64 0.85 1.02 1.15 1.37 1.65 1.83 1.99 2.24 2.61 3.04 3.53 4.09 4.75 5.52 67
53 0.44 0.68 0.92 1.10 1.24 1.46 1.77 1.96 2.13 2.42 2.82 3.29 3.83 4.43 5.17 5.99 68
54 0.48 0.73 1.00 1.20 1.35 1.58 1.90 2.10 2.30 2.61 3.04 3.56 4.14 4.81 5.62 6.47 69
*** CONTINENTAL ASSURANCE C0MPANY ***
NON-SMOKER Y.R.T. RATES PER $1,000
NON-EXPERIENCE RATED SUBSTANDARD - PER TABLE MALE - AGE LAST BIRTHDAY
ISSUE POLICY YEAR ATT'D
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
55 0.52 0.79 1.10 1.31 l.48 1.72 2.05 2.26 2.47 2.81 3.29 3.84 4.48 5.21 6.11 7.02 70
56 0.57 0.87 1.21 1.44 1.63 1.88 2.21 2.43 2.66 3.02 3.54 4.14 4.84 5.64 6.62 7.65 71
57 0.63 0.95 1.33 1.58 1.80 2.06 2.38 2.61 2.86 3.25 3.81 4.45 5.21 6.10 7.17 8.35 72
58 0.70 1.04 1.47 1.74 1.98 2.25 2.56 2.81 3.09 3.50 4.10 4.80 5.63 6.61 7.78 9.10 73
59 0.78 1.15 1.62 1.92 2.17 2.45 2.75 3.02 3.34 3.79 4.44 5.20 6.12 7.21 8.50 9.94 74
60 0.87 1.27 1.78 2.11 2.37 2.65 2.95 3.25 3.61 4.12 4.81 5.65 6.67 7.90 9.33 10.93 75
61 0.96 1.41 1.96 2.32 2.58 2.83 3.17 3.51 3.88 4.46 5.21 6.13 7.29 8.66 10.27 12.09 76
62 1.06 1.55 2.14 2.56 2.75 3.10 3.46 3.71 4.18 4.83 5.64 6.66 7.97 9.50 11.31 13.37 77
63 1.18 1.71 2.34 2.71 3.03 3.41 3.65 3.99 4.53 5.26 6.14 7.27 8.72 10.43 12.45 14.78 78
64 1.31 1.89 2.54 2.96 3.33 3.60 3.87 4.36 4.98 5.79 6.74 7.93 9.58 11.46 13.69 16.27 79
65 1.48 2.07 2.73 3.27 3.53 3.82 4.29 4.85 5.55 6.44 7.49 8.82 10.56 12.61 15.06 17.77 80
66 1.67 2.26 2.93 3.50 3.79 4.25 4.81 5.47 6.25 7.23 8.37 9.81 11.67 13.88 16.56 19.25 81
67 1.88 2.46 3.13 3.73 4.17 4.76 5.41 6.17 7.04 8.11 9.36 10.91 12.88 15.25 18.17 20.85 82
68 2.10 2.68 3.33 3.98 4.59 5.26 6.04 6.92 7.88 9.04 10.41 12.07 14.15 16.69 19.86 22.61 83
69 2.32 2.91 3.56 4.24 4.97 5.77 6.66 7.66 8.72 9.97 11.46 13.25 15.46 18.17 21.61 24.54 84
70 2.52 3.15 3.80 4.53 5.38 6.26 7.25 8.37 9.53 10.87 12.48 14.40 16.78 19.68 23.39 26.66 85
71 2.72 3.41 4.06 4.85 5.81 6.74 7.82 9.06 10.34 11.75 13.49 15.56 18.14 21.22 25.22 28.96 86
72 2.90 3.69 4.34 5.20 6.27 7.23 8.38 9.76 11.15 12.64 14.52 16.73 19.53 22.80 27.11 31.43 87
73 3.10 3.98 4.64 5.55 6.75 7.72 8.96 10.46 11.98 13.55 15.56 17.93 20.96 24.42 29.04 33.81 88
74 3.29 4.27 4.94 5.92 7.23 8.23 9.55 11.18 12.82 14.47 16.62 19.16 22.41 26.09 31.03 35.75 89
75 3.50 4.56 5.25 6.30 7.71 8.76 10.16 11.92 13.68 15.42 17.72 20.41 23.89 27.80 33.06 37.49 90
76 3.72 4.85 5.58 6.70 8.20 9.31 10.80 12.67 14.55 16.40 18.84 21.70 25.40 29.54 35.14 39.06 91
77 3.95 5.14 5.91 7.10 8.70 9.87 11.45 13.44 15.43 17.39 19.98 23.02 26.94 31.33 37.27 40.86 92
78 4.18 5.44 6.26 7.52 9.21 10.45 12.12 14.22 16.32 18.40 21.14 24.36 28.51 33.17 39.45 43.69 93
79 4.51 5.83 6.70 8.06 9.86 11.21 13.00 15.25 17.48 19.55 22.25 25.65 29.83 35.06 42.20 47.15 94
80 4.92 6.32 7.26 8.74 10.70 12.17 14.12 16.55 18.81 20.67 23.33 26.72 31.20 37.49 45.54 49.97 95
81 5.33 6.85 7.87 9.49 11.62 13.22 15.32 17.80 19.89 21.68 24.31 27.96 33.37 40.45 48.27 52.56 96
82 5.78 7.43 8.54 10.31 12.62 14.35 16.48 18.83 20.85 22.58 25.43 29.90 36.01 42.88 50.77 55.30 97
83 6.26 8.06 9.28 11.19 13.70 15.44 17.43 19.74 21.72 23.63 27.20 32.26 38.16 45.10 53.41 57.79 98
84 6.80 8.76 10.08 12.15 14.74 16.32 18.28 20.57 22.73 25.27 29.35 34.19 40.14 47.45 55.81 62.73 99
SCHEDULE F
CONDITIONAL RECEIPT APPROVAL SCHEDULE
The Ceding Company's Conditional Receipt Notice, shown as F-1 is approved by the
Reinsurer.
BY: /s/
----------------------------------
DATE: January 19, 1999
--------------------------------
--------------------------------------------------------------------------------
CONDITIONS RELATING TO THIS APPLICATION / NOTICES
--------------------------------------------------------------------------------
The Proposed insured and the Applicant, if other than the Proposed insured
represent that all statements and answers contained in this application are
complete and true and are offered as consideration for the insurance applied
for, it is expressly agreed that:
1. The company is authorized to amend this application by an appropriate
notation in the space designated HOME OFFICE ADDITIONS AND CORRECTIONS in order
to correct any apparent errors or omissions. However, no change in age at issue,
plan of insurance, amount, risk classification, or benefits shall be effective
unless agreed to in writing by the Proposed insured and the Applicant * other
than the Proposed insured. The acceptance of any policy issued as a result of
this application shall constitute an acceptance of such amendments as well as
the acceptance of the beneficiary designation, ownership, and method of payment
of the proceeds of such policy.
2. The initial premium payment is held by the Company in its general account
while your application is being considered. During this time no earnings are
credited to an Account for you, if your application is accepted, the premium
will be transferred to the Variable Fund Accounts as provided in the policy.
3. The company shall incur no liability under this application prior to delivery
of the policy unless and until all conditions expressed hereafter are met:
(a) an amount equal to the first full premium for the method of payment you
selected is received by the company, and
(b) all underwriting requirements, including any medical examinations
required by the company's rules are complete.
If the Proposed insured is an acceptable risk for insurance exactly as applied
for whithout modification of plan, premium rate, or amount of insurance under
the company's rules and practices, than the insurance under the policy applied
for shall become effective on the latest of: the date the company receives the
application, the date of completion of all underwriting requirements, or any
date of issue requested in the application. If any of the above conditions are
not met, the liability of the company shall be limited to the return of the
premium submitted. Prior to delivery of the policy, the company's maximum
liability under this application shall not exceed $200,000, including
Accidental Death Benefit.
B
[LOGO OF USAA](R) USAA LIFE INSURANCE COMPANY
--------------------------------------------------------------
November 27, 2000
Xxxxxx X. Xxxxxxxxx, MBA, FLMI
Vice President, Reinsurance Sales
Continental Assurance Company
CNA Plaza
Chicago, IL 60685-0001
Dear Xxx:
In an effort to continually improve and streamline our self-administration
reinsurance process, USAA has developed a standard waiver of premium claim form
(see attachment). This form is similar in content, wording, and overall design
to the death claim form, which you have reviewed and approved. For your
convenience, I have included the death claim form and the signed approval
letter, dated 7-25-2000, as attachments too.
If you agree with the design and scope of the waiver of premium form, please
sign and date in the spaces indicated below and return the duplicated copy to my
attention. Thank you for your assistance on this matter.
USAA Life Insurance Company Continental Assurance Company
/s/ Xxxxx X. Xxxxxx /s/ Xxxxxx X. Xxxxxxxxx
------------------------------- -------------------------------
Signature Signature
Xxxxx X. Xxxxxx, VP Actuary Xxxxxx X. Xxxxxxxxx, AVP
------------------------------- -------------------------------
Name & Title Name & Title
November 27, 2000 December 15, 2000
------------------------------- -------------------------------
Date Date
[LOGO OF USAA](R) USAA LIFE INSURANCE COMPANY
USAA LIFE INSURANCE COMPANY OF NEW YORK
REINSURANCE WAIVER OF PREMIUM CLAIM FORM
----------------------------------------
--------------------------------------------------------------------------------
I. CLAIM DATA
--------------------------------------------------------------------------------
REINSURANCE COMPANY: Continental Assurance Company STATUS
-----------------------------
INSURED: ________________________________________ [ ] INCONTESTABLE
DATE OF BIRTH: __________________________________ [ ] CONTESTABLE
DATE OF DISABILITY: _____________________________ [ ] UNDER INVESTIGATION
CAUSE OF DISABILITY: ____________________________ [ ] SETTLED
DATE BENEFITS EXPIRE:____________________________
CLAIM TYPE: [ ] ACCIDENT [ ] SICKNESS
DIAGNOSIS:
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
II. NOTIFICATION
--------------------------------------------------------------------------------
[ ] PRELIMINARY [ ] PERIODIC [ ] NOTIFICATION OF CONTEST/ [ ] REQUEST FOR
NOTICE REVIEW COMPROMISE/*LITIGATION PAYMENT
--------------------------------------------------------------------------------
POLICIES ISSUED AS A RESULT OF EXCHANGE OR REPLACEMENT OF OTHER
USAA LIFE INSURANCE COVERAGE:
[ ] YES IF YES, PLEASE PROVIDE ORIGINAL POLICY DATE: ORIGINAL $:
THE FOLLOWING INFORMATION:
[ ] NO POLICY #s: POLICY #s: POLICY #s:
--------------------------------------------------------------------------------
*This claim form is notification of USAA's Intention to contest, compromise, or
litigate a claim in accordance with the treaty terms. Unless Reinsurer notifies
USAA Life, in writing, that it declines to be a party to such action, Reinsurer
will pay its share of any settlement up to the maximum that would have been
payable under the specific policy plus its share of specific expenses and
damages, if any, in connection with the contest, compromise, or litigation. For
incontestable claims, we will process all requirements and proceed with claim
payment unless notified otherwise as specified in the provision of the
Reinsurance Treaty.
--------------------------------------------------------------------------------
Policy Number Date of Face Amount Date of Reinstatement Amount of
Issue Termination Date Reinsurance
-------------- -------- ------------ ----------- ------------- ------------
______________ ________ ____________ ___________ _____________ ____________
______________ ________ ____________ ___________ _____________ ____________
______________ ________ ____________ ___________ _____________ ____________
Total Issued: ____________ Amount reinsured w/Reinsurer:____________
Less Terminated: ____________ Amount w/other Reinsurers:____________
USAA Retention:____________
Amount in Force: ____________ TOTAL:____________
--------------------------------------------------------------------------------
III. FINAL DISPOSITION/REQUEST FOR PAYMENT
--------------------------------------------------------------------------------
[ ] Claim has been [ ] Temporary WP benefit [ ] Permanent WP
approved approved to _____ (date) benefit approved
[ ] Claim Denied [ ] WP benefits ceased - contract
provision _____ (date)
[ ] Policy Rescinded [ ] WP continuance approved to _____ (date)
--------------------------------------------------------------------------------
Policy Number Annual Premium Amount Reinsured Amount
---------------------- ------------------------------- -----------------------
______________________ _______________________________ _______________________
______________________ _______________________________ _______________________
______________________ _______________________________ _______________________
______________________ _______________________________ _______________________
Sub Total: _______________________
Investigation Expense: _______________________
Legal Expense: _______________________
TOTAL REQUESTED: _______________________
--------------------------------------------------------------------------------
COMMENTS:
--------------------------------------------------------------------------------
INCONTESTABLE CLAIMS REQUIREMENTS: CONTESTABLE CLAIMS REQUIREMENTS:
---------------------------------- --------------------------------
- Complete this form & attach proof IF CEDED FACULTATIVELY:
of disability -Attach proof of disability, complete this
form & investigation reports
IF CEDED AUTOMATICALLY:
-Attach proof of disability, complete this
form, investigation reports & underwriting
papers
--------------------------------------------------------------------------------
Date: Ceding Company Wire Information:
Completed By: Xxxxxx Name: USAA ---------------------
------ Address: Attn: Reinsurance Nations Bank, Xxxxxx
Xxxxxxxxxx ----------------- --------------------
---------- Dept., F-2-E ABA #000000000
Title: Reinsurance ------------ --------------
----------- 9800 Fredericksburg Account #7110373357
Specialist ------------------- -------------------
---------- Rd. San Antonio. Account Name - USAA
Phone#: 000-000-0000 ---------------- -------------------
------------ TX 00000-0000 LIFE
Fax#: 000-000-0000 ------------- ----
------------
--------------------------------------------------------------------------------
[LOGO OF USAA](R) USAA LIFE INSURANCE COMPANY
------------------------------------------------------------
July 25, 2000
Xxxxxx X. Xxxxxxxxx, MBA, FLMI
Vice President, Reinsurance Sales
Continental Assurance Company (CNA)
CNA Plaza
Chicago, IL 60685-0001
RE: All existing treaties
Dear Xxx:
Enclosed is the proposed standard claim form presented at the USAA Financial
Conference, Reinsurance Breakout Session on May 8, 2000. Please take the time to
carefully review the form, as changes have been made to the form discussed at
the conference. Effective immediately, we intend that this form will be used for
USAA Life to provide notice to CNA of the contest, compromise, or litigation of
a claim, as required by the terms of the existing agreements. Unless USAA Life
receives written notice from CNA in response that CNA does not consent to the
contest, compromise, or litigation, USAA Life will assume that CNA consents to
the contest, compromise, or litigation, and will reimburse USAA Life for CNA's
portion of the associated liability and expenses in accordance with the terms of
the existing agreements, including CNA's proportionate share of any compromise
or settlement.
If you agree with the above, please sign and date in the spaces indicated below
and return the duplicated copy to us.
USAA Life Insurance Company Continental Assurance Company
/s/ Xxxxx X. Xxxxxx /s/ Xxxxxx X. Xxxxxxxxx
------------------------------- -------------------------------
Signature Signature
Xxxxx X. Xxxxxx, VP Actuary Xxxxxx X. Xxxxxxxxx, AVP
------------------------------- -------------------------------
Name & Title Name & Title
7/27/2000 September 8, 2000
------------------------------- -------------------------------
Date Date
[LOGO OF USAA](R) USAA LIFE INSURANCE COMPANY
USAA LIFE INSURANCE COMPANY OF NEW YORK
REINSURANCE DEATH CLAIM FORM
----------------------------
--------------------------------------------------------------------------------
I. CLAIM DATA
--------------------------------------------------------------------------------
REINSURANCE COMPANY: Continental Assurance STATUS
---------------------
INSURED: ________________________________________ [ ] INCONTESTABLE
DATE OF BIRTH: __________________________________ [ ] CONTESTABLE
DATE OF DEATH: __________________________________ [ ] UNDER INVESTIGATION
CAUSE OF DEATH: _________________________________ [ ] SETTLED
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
II. NOTIFICATION
--------------------------------------------------------------------------------
POLICIES ISSUED AS A RESULT OF CONVERSION, EXCHANGE OR REPLACEMENT
OF OTHER USAA LIFE INSURANCE COVERAGE:
[ ] YES IF YES, PLEASE PROVIDE ORIGINAL POLICY DATE: ORIGINAL $:
THE FOLLOWING INFORMATION:
[ ] NO POLICY #s: POLICY #s: POLICY #s:
--------------------------------------------------------------------------------
*This claim form is notification of USAA's intention to contest, compromise,
or litigate a claim in accordance with the treaty terms. Unless Reinsurer
notifies USAA Life, in writing, that it declines to be a party to such
action, Reinsurer will pay its share of any settlement up to the maximum that
would have been payable under the specific policy plus its share of specific
expenses and damages, if any, in connection with the contest, compromise, or
litigation. For incontestable claims, we will process all requirements and
proceed with claim payment unless notified otherwise.
--------------------------------------------------------------------------------
Date of Date of Reinstatement Amount of
Policy Number Issue Face Amount Termination Date Reinsurance
-------------- ------- ----------- ----------- ------------- --------------
______________ _______ ___________ ___________ _____________ ______________
______________ _______ ___________ ___________ _____________ ______________
______________ _______ ___________ ___________ _____________ ______________
______________ _______ ___________ ___________ _____________ ______________
______________ _______ ___________ ___________ _____________ ______________
Total Issued: _________ Amount reinsured w/Reinsurer: ____________
Less Terminated: _________ Amount w/other Reinsurers: ____________
USAA Retention: ____________
Amount in Force: _________ TOTAL: ____________
--------------------------------------------------------------------------------
III. FINAL DISPOSITION/REQUEST FOR PAYMENT
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
Policy Number Reinsured Amount Interest Total
------------------ ------------------------- ----------------- --------------
__________________ _________________________ _________________ ______________
__________________ _________________________ _________________ ______________
__________________ _________________________ _________________ ______________
__________________ _________________________ _________________ ______________
__________________ _________________________ _________________ ______________
Sub Total: ______________
Investigation Expense: ______________
INTEREST PAID AT _____% FOR_____DAYS. Legal Expense: ______________
TOTAL REQUESTED: ______________
--------------------------------------------------------------------------------
INCONTESTABLE CLAIMS REQUIREMENTS: CONTESTABLE CLAIMS REQUIREMENTS:
---------------------------------- --------------------------------
- Complete this form & attach proof
of death -Attach proof of death, complete this
form & investigation reports
-Attach proof of death, complete this
form, investigation reports &
underwriting papers
--------------------------------------------------------------------------------
Date: _________ Completed By: Xxxxxx Title: Reinsurance Specialist
Ceding ------ ----------------------
Company Name: XXXX Xxxxxxxxxx Phone#: 000-000-0000 Fax#: 210-498
Address: ---- ---------- ------------ -------
-0338
Attn: Reinsurance -----
----------------- Wire Information: Nations Bank, Dallas
Dept., F-2-E --------------------
------------ ABA #000000000
0000 Xxxxxxxxxxxxxx Xx. --------------
----------------------- Account #7110373357
San Antonio, -------------------
------------ Account Name- USAA
TX 78288-0338 ------------------
------------- LIFE
----
--------------------------------------------------------------------------------
