PURPOSE: This rule permits the use of mortality tables that reflect differences in mortality between smokers and nonsmokers in determining minimum reserve liabilities and minimum cash values and amounts of paid-up nonforfeiture benefits for plans of insurance with separate premium rates for smokers and nonsmokers.

1. (1) Definitions.

   1. (A) As used in this rule, 1980 CSO (Commissioners Standard Ordinary) Table, with or without Ten (10)-Year Select Mortality Factor means that mortality table, consisting of separate rates of mortality for male and female lives, developed by the Society of Actuaries Committee to Recommend New Mortality Tables for Valuation of Standard Individual Ordinary Life Insurance, incorporated in the 1980 National Association of Insurance Commissioners (NAIC) Amendments to the Model Standard Valuation Law and Standard Nonforfeiture Law for Life Insurance, and referred to in those models as the Commissioners 1980 Standard Ordinary Mortality Table, with or without Ten (10)-Year Select Mortality Factors. The same select factors will be used for both smokers’ and nonsmokers’ tables.
   2. (B) As used in this rule, 1980 CET (Commissioners Extended Term) Table means that mortality table consisting of separate rates of mortality for male and female lives, developed by the Society of Actuaries Committee to Recommend New Mortality Tables for Valuation of Standard Individual Ordinary Life Insurance, incorporated in the 1980 NAIC Amendments to the Model Standard Nonforfeiture Law for Life Insurance and referred to in those models as the Commissioners 1980 Extended Term Insurance Table.
   3. (C) As used in this rule, the phrase smoker and nonsmoker mortality tables refers to the mortality tables with separate rates of mortality for smokers and nonsmokers derived from the tables defined in subsections (1)(A)–(D) of this rule which were developed by the Society of Actuaries Task Force on Smoker/Nonsmoker Mortality and the California Insurance Department staff and recommended by the NAIC Technical Staff Actuarial Group.
   4. (D) As used in the rule, the phrase composite mortality tables refers to the mortality tables defined in subsections (1)(A)–(D) of this rule and in 20 CSR 400-1.110 as they were originally published with rates of mortality that do not distinguish between smokers and nonsmokers.

2. (2) Alternate Tables.

   1. (A) At the option of the company and subject to the conditions stated in section (3) of this rule, the 1980 CSO Smoker and Nonsmoker Mortality Tables, with or without Ten (10)-Year Select Mortality Factors, may be substituted for the 1980 CSO Table, with or without Ten (10)-Year Select Mortality Factors, and the 1980 CET Smoker and Nonsmoker Mortality Table for use in determining minimum reserve liabilities and minimum cash surrender values and amounts of paid-up nonforfeiture benefits for any policy of insurance delivered or issued for delivery in this state on or after January 1, 1989, the operative date of section 376.670.10b., RSMo (1986).

      1. 1. Provided that for any category of

insurance issued on female lives with minimum reserve liabilities and minimum cash surrender values and amounts of paid-up nonforfeiture benefits surrender values and amounts of paid-up nonforfeiture benefits determined using the 1958 CSO or 1958 CET Smoker and Nonsmoker Mortality Tables, these minimum values may be calculated according to an age not more than six (6) years younger than the actual age of the insured.

1. 2. Provided further that the substitution

of the 1958 CSO or 1958 CET Smoker and Nonsmoker Mortality Tables is available only if made for each policy of insurance on a policy form delivered or issued for delivery on or after the operative date for that policy form and before a date not later than January 1, 1989.

1. (B) For any policy of insurance delivered or issued for delivery in this state after the operative date of section 376.670.10b., RSMo (1986) for that policy form, at the option of the company and subject to the conditions stated in section (3) of this rule, the 1980 CSO Smoker and Nonsmoker Mortality Tables, with or without Ten (10)-Year Select Mortality Factors, may be substituted for the 1980 CSO Table, with or without Ten (10)- Year Select Mortality Factors, and the 1980 CET Smoker and Nonsmoker Mortality Tables may be substituted for the 1980 CET Table for use in determining minimum reserve liabilities and minimum cash surrender values and amounts of paid-up nonforfeiture benefits.

1. (3) Conditions. For each plan of insurance with separate rates for smokers and nonsmokers, an insurer may—

   1. (A) Use composite mortality tables to determine minimum reserve liabilities and minimum cash surrender values and amounts of paid-up nonforfeiture benefits;
   2. (B) Use smoker and nonsmoker mortality tables to determine the valuation net premiums and additional minimum reserves, if any, required by section 376.380, RSMo and use composite mortality tables to determine the basic minimum reserves, minimum cash surrender values and amounts of paid up nonforfeiture benefits; or
   3. (C) Use smoker and nonsmoker mortality to determine minimum reserve liabilities and minimum cash surrender values and amounts of paid-up nonforfeiture benefits.
2. (4) Separability. If any provision of this rule or the application of this rule to any person or circumstance is for any reason held to be invalid, the remainder of the rule and the application of that provision to other persons or circumstances shall not be affected by it.

AUTHORITY: sections 374.045 and 376.380, RSMo 1986.* This rule was previously filed as 4 CSR 190-13.260. Original rule filed April 2, 1986, effective Aug. 25, 1986. Amended: Filed Aug. 15, 1988, effective Nov. 25, 1988. *Original authority: 374.045, RSMo 1967, and 376.380, RSMo 1939, amended 1943, 1947, 1959, 1961, 1965, 1971, 1975, 1979, 1982. AND INSURANCE 1958 CSO MALE AND SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 1.46 16 1.53 17 1.60 18 1.64 19 1.65 20 1.64 21 1.62 22 1.63 23 1.63 24 1.64 25 1.64 26 1.65 27 1.66 28 1.67 29 1.69 30 1.71 31 1.73 32 1.75 33 1.79 34 1.83 35 1.88 36 1.95 37 2.04 38 2.15 39 2.28 40 2.43 41 2.60 42 2.76 43 2.99 44 3.21 Age Non-Smoker 1.74 45 1.85 46 1.96 47 2.03 48 2.05 49 2.05 50 2.04 51 2.07 52 2.08 53 2.11 54 2.12 55 2.15 56 2.18 57 2.23 58 2.29 59 2.37 60 2.45 61 2.52 62 2.63 63 2.73 64 2.86 65 3.03 66 3.25 67 3.52 68 3.83 69 4.19 70 4.62 71 5.04 72 5.55 73 6.09 74 TABLE 1 3.46 3.76 4.08 4.45 4.86 5.31 5.83 6.40 7.07 7.84 8.72 9.74 10.91 12.26 13.74 15.38 17.16 19.14 21.29 23.68 26.34 29.32 32.61 36.28 40.17 44.34 48.74 53.32 58.07 63.11 Smoker 6.67 7.32 8.02 8.82 9.71 10.68 11.75 12.88 14.16 15.54 17.03 18.65 20.44 22.35 24.42 26.72 29.21 31.88 34.83 38.00 41.44 45.19 49.20 53.55 58.31 63.27 68.33 73.41 78.50 83.71 Age Non-Smoker 68.58 74.50 81.15 88.62 96.85 105.75 115.27 125.28 135.72 146.62 158.06 170.08 182.76 196.27 210.88 226.99 244.63 265.20 286.78 316.38 351.24 400.56 488.42 668.15 1000.00 Smoker 89.23 95.68 102.84 110.80 119.44 128.60 138.20 148.05 158.05 168.22 178.62 189.26 200.21 211.61 223.70 236.85 253.34 272.12 293.80 319.13 351.24 400.56 488.42 668.15 1000.00 1958 CET MALE ANB SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 2.21 16 2.28 17 2.35 18 2.39 19 2.40 20 2.39 21 2.37 22 2.38 23 2.38 24 2.39 25 2.39 26 2.40 27 2.41 28 2.42 29 2.44 30 2.46 31 2.48 32 2.50 33 2.54 34 2.58 35 2.63 36 2.70 37 2.79 38 2.90 39 3.03 40 3.18 41 3.38 42 3.61 43 3.89 44 4.17 Age Non-Smoker 2.49 45 2.60 46 2.71 47 2.78 48 2.80 49 2.80 50 2.79 51 2.82 52 2.83 53 2.86 54 2.87 55 2.90 56 2.93 57 2.98 58 3.04 59 3.12 60 3.20 61 3.28 62 3.42 63 3.55 64 3.72 65 3.94 66 4.23 67 4.58 68 4.98 69 5.45 70 6.01 71 6.55 72 7.22 73 7.92 74 TABLE 2 4.50 4.89 5.30 5.79 6.32 6.90 7.58 8.32 9.19 10.19 11.34 12.66 14.18 15.94 17.86 19.99 22.31 24.88 27.68 30.78 34.24 38.12 42.39 47.16 52.22 57.64 63.36 69.32 75.49 102.05 82.04 108.82 Smoker 8.67 9.52 10.43 11.47 12.62 13.88 15.28 16.74 18.41 20.20 22.14 24.25 26.57 29.06 31.75 34.74 37.97 41.44 45.28 49.40 53.87 58.75 63.96 69.62 75.80 82.25 88.83 95.93 Age 20 CSR 400-1 Non-Smoker 89.15 96.85 105.50 115.21 125.91 137.48 149.85 162.86 176.44 190.61 205.48 221.10 237.59 255.15 274.14 295.09 318.28 344.76 375.41 411.29 456.61 520.73 634.95 868.60 1000.00 Smoker 116.00 124.38 133.69 144.04 155.27 167.18 179.66 192.47 205.47 218.69 232.21 246.04 260.27 275.09 290.81 307.91 329.34 353.76 381.94 414.87 456.61 520.73 634.95 868.60 1000.00 AND INSURANCE 1958 CSO MALE ALB SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 1.49 16 1.56 17 1.62 18 1.64 19 1.65 20 1.63 21 1.62 22 1.63 23 1.63 24 1.64 25 1.64 26 1.65 27 1.66 28 1.68 29 1.70 30 1.72 31 1.74 32 1.77 33 1.81 34 1.85 35 1.91 36 1.99 37 2.09 38 2.21 39 2.35 40 2.51 41 2.69 42 2.88 43 3.10 44 3.33 Age Non-Smoker 1.79 45 1.90 46 1.99 47 2.04 48 2.05 49 2.05 50 2.05 51 2.07 52 2.09 53 2.11 54 2.13 55 2.16 56 2.20 57 2.26 58 2.33 59 2.41 60 2.48 61 2.57 62 2.68 63 2.79 64 2.94 65 3.14 66 3.38 67 3.67 68 4.01 69 4.40 70 4.83 71 5.29 72 5.82 73 6.38 74 TABLE 3 3.61 3.92 4.26 4.65 5.08 5.57 6.11 6.73 7.45 8.28 9.23 10.32 11.58 13.00 14.55 16.26 18.14 20.20 22.47 24.99 27.81 30.94 34.41 38.19 42.21 46.49 50.97 55.63 60.51 65.76 Smoker 6.99 7.67 8.42 9.26 10.19 11.21 12.31 13.52 14.85 16.28 17.83 19.54 21.39 23.37 25.56 27.95 30.53 33.33 36.39 39.69 43.28 47.15 51.32 55.86 60.72 65.72 70.78 75.86 81.00 6.35 Age Non-Smoker 71.43 77.70 84.73 92.54 101.07 110.24 119.97 130.15 140.77 151.89 163.55 175.83 188.84 202.78 217.99 234.77 253.59 275.19 300.25 330.53 370.65 433.49 549.25 750.84 1000.00 Smoker 92.30 99.08 106.60 114.87 123.73 133.07 142.76 152.65 162.70 172.94 183.42 194.16 205.28 216.94 229.45 243.99 261.37 281.25 304.28 332.14 370.65 433.49 549.25 750.84 1000.00 1958 CET MALE ALB SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 2.24 16 2.31 17 2.37 18 2.39 19 2.40 20 2.38 21 2.37 22 2.38 23 2.38 24 2.39 25 2.39 26 2.40 27 2.41 28 2.43 29 2.45 30 2.47 31 2.49 32 2.52 33 2.56 34 2.60 35 2.66 36 2.74 37 2.84 38 2.96 39 3.10 40 3.28 41 3.49 42 3.75 43 4.03 44 4.33 Age Non-Smoker 2.54 45 2.65 46 2.74 47 2.79 48 2.80 49 2.80 50 2.80 51 2.82 52 2.84 53 2.86 54 2.88 55 2.91 56 2.95 57 3.01 58 3.08 59 3.16 60 3.24 61 3.35 62 3.48 63 3.63 64 3.83 65 4.08 66 4.40 67 4.78 68 5.21 69 5.73 70 6.28 71 6.88 72 7.57 73 8.29 74 TABLE 4 4.69 5.09 5.54 6.05 6.61 7.24 7.95 8.75 9.69 10.76 12.00 13.42 15.05 16.89 18.92 21.14 23.58 26.26 29.21 32.48 36.15 40.21 44.72 49.63 54.86 60.42 66.24 72.29 78.64 105.25 85.44 112.20 Smoker 9.09 9.97 10.95 12.04 13.25 14.58 16.00 17.57 19.30 21.16 23.18 25.40 27.80 30.39 33.22 36.33 39.67 43.32 47.29 51.58 56.24 1.28 66.70 72.60 78.90 85.40 91.98 98.57 Age 20 CSR 400-1 Non-Smoker 92.82 100.95 110.08 120.23 131.31 143.21 155.83 169.05 182.84 197.26 212.40 228.32 245.19 263.26 282.95 304.68 329.01 356.89 389.20 428.08 479.19 557.74 697.43 883.86 1000.00 Smoker 119.93 128.73 138.49 149.22 160.72 172.85 185.43 198.28 211.32 224.62 238.22 252.16 266.57 281.70 297.91 316.68 339.14 364.82 394.52 430.28 479.19 557.74 697.43 883.86 1000.00 AND INSURANCE 1980 CSO FEMALE SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 0.84 16 0.88 17 0.92 18 0.95 19 0.98 20 1.01 21 1.02 22 1.04 23 1.05 24 1.08 25 1.09 26 1.12 27 1.14 28 1.17 29 1.20 30 1.24 31 1.27 32 1.31 33 1.35 34 1.42 35 1.47 36 1.56 37 1.67 38 1.79 39 1.93 40 2.08 41 2.26 42 2.44 43 2.62 44 2.80 AGE NEAREST BIRTHDAY Age Non-Smoker 0.94 45 0.99 46 1.04 47 1.09 48 1.13 49 1.16 50 1.18 51 1.21 52 1.23 53 1.27 54 1.29 55 1.34 56 1.38 57 1.42 58 1.48 59 1.55 60 1.61 61 1.68 62 1.75 63 1.86 64 1.94 65 2.09 66 2.28 67 2.49 68 2.73 69 3.00 70 3.33 71 3.64 72 3.96 73 4.28 74 TABLE 1 2.99 3.19 3.41 3.65 3.90 4.19 4.50 4.85 5.26 5.68 6.13 6.59 7.05 7.49 7.96 8.51 9.16 9.98 11.01 12.23 13.55 14.97 16.41 17.86 19.41 21.20 23.34 25.99 29.22 33.02 Smoker 4.61 4.95 5.31 5.68 6.08 6.54 7.00 7.52 8.13 8.75 9.40 10.05 10.67 11.25 11.85 12.51 13.36 14.39 15.78 17.33 19.07 20.79 22.58 24.20 26.02 27.95 30.45 33.55 37.33 41.74 Age Non-Smoker 37.32 42.04 47.11 52.53 58.45 65.12 72.76 81.59 91.76 103.03 115.38 128.58 142.71 157.61 173.51 190.39 208.58 228.60 251.40 279.31 317.32 375.74 474.97 655.85 1000.00 Smoker 46.64 51.92 57.46 63.28 69.41 76.26 84.00 92.84 102.87 114.65 126.42 139.79 152.67 167.23 181.07 197.01 214.00 232.54 253.55 279.31 317.32 375.74 474.97 655.85 1000.00 1980 CSO FEMALE ANBV SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 1.29 16 1.43 17 1.54 18 1.60 19 1.66 20 1.68 21 1.67 22 1.64 23 1.61 24 1.57 25 1.52 26 1.48 27 1.46 28 1.44 29 1.44 30 1.44 31 1.47 32 1.50 33 1.55 34 1.61 35 1.69 36 1.77 37 1.88 38 2.00 39 2.14 40 2.29 41 2.47 42 2.65 43 2.86 44 3.07 AGE NEAREST BIRTHDAY Age Non-Smoker 1.65 45 1.87 46 2.05 47 2.16 48 2.26 49 2.31 50 2.33 51 2.30 52 2.26 53 2.21 54 2.14 55 2.08 56 2.06 57 2.04 58 2.06 59 2.10 60 2.17 61 2.24 62 2.35 63 2.48 64 2.63 65 2.81 66 3.04 67 3.30 68 3.60 69 3.94 70 4.34 71 4.75 72 5.22 73 5.71 74 TABLE 2 3.32 3.59 3.88 4.19 4.54 4.91 5.35 5.86 6.43 7.09 7.82 8.63 9.49 10.42 11.47 12.64 13.94 15.42 17.11 19.02 21.13 23.40 25.86 28.50 31.38 34.63 38.91 42.56 47.44 52.92 Smoker 6.27 6.83 7.44 8.08 8.80 9.56 10.44 11.42 12.54 13.80 15.14 16.59 18.09 19.69 21.35 23.19 25.26 27.59 30.23 33.14 36.29 39.57 43.01 46.55 50.32 54.48 59.09 64.33 70.23 76.66 Age 20 CSR 400-1 Non-Smoker 58.80 65.06 71.64 78.47 85.72 93.67 102.52 112.52 123.79 136.11 149.20 162.80 176.79 190.89 205.29 220.19 235.84 252.75 271.63 295.65 329.96 384.55 480.20 657.98 1000.00 Smoker 83.77 91.10 98.52 105.91 113.49 121.59 130.41 140.20 151.03 162.49 174.20 185.78 197.06 209.37 221.52 233.69 246.12 259.33 276.30 298.15 329.96 384.55 480.20 657.98 1000.00 AND INSURANCE 1980 CET FEMALE SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 1.59 16 1.63 17 1.67 18 1.70 19 1.73 20 1.76 21 1.77 22 1.79 23 1.80 24 1.83 25 1.84 26 1.87 27 1.89 28 1.92 29 1.95 30 1.99 31 2.02 32 2.06 33 2.10 34 2.17 35 2.22 36 2.31 37 2.42 38 2.54 39 2.68 40 2.83 41 3.01 42 3.19 43 3.41 44 3.64 AGE NEAREST BIRTHDAY Age Non-Smoker 1.69 45 1.74 46 1.79 47 1.84 48 1.88 49 1.91 50 1.93 51 1.96 52 1.98 53 2.02 54 2.04 55 2.09 56 2.13 57 2.17 58 2.23 59 2.30 60 2.36 61 2.43 62 2.50 63 2.61 64 2.69 65 2.84 66 3.03 67 3.24 68 3.55 69 3.90 70 4.33 71 4.73 72 5.15 73 5.56 74 TABLE 3 3.89 4.15 4.43 4.75 5.07 5.45 5.85 6.31 6.84 7.38 7.97 8.57 9.17 9.74 10.35 11.06 11.91 12.97 14.31 15.90 17.62 19.46 21.33 23.22 25.23 27.56 30.34 33.79 37.99 42.93 Smoker 5.99 6.44 6.90 7.38 7.90 8.50 9.10 9.78 10.57 11.38 12.22 13.07 13.87 14.63 15.41 16.26 17.37 18.71 20.51 22.53 24.79 27.03 29.35 31.46 33.83 36.34 39.59 43.62 48.53 54.26 Age Non-Smoker 48.52 54.65 61.24 68.29 75.99 84.66 94.59 106.07 119.29 133.94 163.55 167.15 185.52 204.89 225.56 247.51 271.15 297.18 326.82 363.10 412.52 488.46 617.46 852.61 1000.00 Smoker 60.63 67.50 74.70 82.20 90.23 99.14 109.20 120.69 133.73 149.05 164.35 181.73 198.47 217.40 235.39 256.11 278.20 302.80 329.62 363.10 412.52 488.46 617.46 852.61 1000.00 Age Non-Smoker Smoker 15 2.04 16 2.18 17 2.29 18 2.35 19 2.41 20 2.43 21 2.42 22 2.39 23 2.36 24 2.32 25 2.27 26 2.23 27 2.21 28 2.19 29 2.19 30 2.19 31 2.22 32 2.25 33 2.30 34 2.36 35 2.44 36 2.52 37 2.63 38 2.75 39 2.89 40 3.04 41 3.22 42 3.45 43 3.72 44 3.99 1980 CET MALE SMOKER AND NONSMOKER MORTALITY RATES AGE NEAREST BIRTHDAY Age Non-Smoker 2.40 45 2.62 46 2.80 47 2.91 48 3.01 49 3.06 50 3.08 51 3.05 52 3.01 53 2.96 54 2.89 55 2.83 56 2.81 57 2.79 58 2.81 59 2.85 60 2.92 61 2.99 62 3.10 63 3.23 64 3.42 65 3.65 66 3.95 67 4.29 68 4.68 69 5.12 70 5.64 71 6.18 72 6.79 73 7.42 74 TABLE 4 4.32 4.67 5.04 5.45 5.90 6.38 6.96 7.62 8.36 9.22 10.17 11.22 12.34 13.55 14.91 16.43 18.12 20.05 22.24 24.73 27.47 30.42 33.62 37.05 40.79 45.02 49.80 55.33 61.67 68.80 Smoker 8.15 8.88 9.67 10.50 11.44 12.43 13.57 14.85 16.30 17.94 19.68 21.57 23.52 25.60 27.76 30.15 32.84 35.87 39.30 43.08 47.18 51.44 55.91 60.52 65.42 70.82 76.82 83.63 91.30 99.66 Age 20 CSR 400-1 Non-Smoker 76.44 84.58 93.13 102.01 111.44 121.77 133.28 146.28 160.93 176.94 193.96 211.64 229.83 248.16 266.88 286.25 306.59 328.58 353.12 384.35 428.95 499.92 624.26 855.37 1000.00 Smoker 108.90 118.43 128.08 137.68 147.54 158.07 169.53 182.26 196.34 211.24 226.46 241.51 256.18 272.18 287.98 303.80 319.96 337.13 359.19 387.60 428.95 499.92 624.26 855.37 1000.00 AND INSURANCE 1980 CSO FEMALE SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 0.86 16 0.90 17 0.93 18 0.96 19 0.99 20 1.01 21 1.03 22 1.04 23 1.06 24 1.08 25 1.10 26 1.13 27 1.15 28 1.18 29 1.22 30 1.25 31 1.29 32 1.33 33 1.38 34 1.44 35 1.51 36 1.61 37 1.73 38 1.86 39 2.00 40 2.17 41 2.35 42 2.53 43 2.71 44 2.89 AGE LAST BIRTHDAY Age Non-Smoker 0.96 45 1.01 46 1.06 47 1.11 48 1.14 49 1.17 50 1.19 51 1.22 52 1.25 53 1.28 54 1.31 55 1.36 56 1.40 57 1.45 58 1.51 59 1.58 60 1.64 61 1.71 62 1.80 63 1.90 64 2.01 65 2.18 66 2.38 67 2.61 68 2.86 69 3.16 70 3.48 71 3.80 72 4.12 73 4.44 74 TABLE 5 3.09 3.30 3.53 3.77 4.04 4.34 4.67 5.05 5.47 5.90 6.36 6.82 7.27 7.72 8.23 8.83 9.57 10.49 11.62 12.89 14.26 15.68 17.13 18.63 20.30 22.26 24.65 27.58 31.09 35.13 Smoker 4.78 5.13 5.49 5.88 6.31 6.77 7.26 7.82 8.44 9.07 9.72 10.36 10.96 11.55 12.18 12.93 13.87 15.08 16.55 18.19 19.92 21.68 23.38 25.10 26.97 29.18 31.98 35.41 39.49 44.14 Age Non-Smoker 39.64 44.52 49.75 55.41 61.68 68.81 77.01 86.46 97.12 108.87 121.58 135.16 149.59 164.88 181.15 198.53 217.42 238.53 263.35 295.23 341.02 413.88 537.24 743.96 1000.00 Smoker 49.22 54.62 60.26 66.22 72.71 79.98 88.23 97.61 108.44 120.18 132.65 145.75 159.35 173.52 188.25 204.58 222.16 241.66 264.56 295.23 341.02 413.88 537.24 743.96 1000.00 Age Non-Smoker Smoker 15 1.36 16 1.48 17 1.57 18 1.63 19 1.67 20 1.68 21 1.66 22 1.63 23 1.59 24 1.55 25 1.50 26 1.47 27 1.45 28 1.44 29 1.44 30 1.45 31 1.48 32 1.52 33 1.58 34 1.65 35 1.73 36 1.82 37 1.94 38 2.07 39 2.21 40 2.38 41 2.56 42 2.75 43 2.96 44 3.19 1980 CSO MALE SMOKER AND NONSMOKER MORTALITY RATES Age 1.76 45 1.96 46 2.10 47 2.21 48 2.28 49 2.32 50 2.32 51 2.28 52 2.24 53 2.18 54 2.11 55 2.07 56 2.05 57 2.05 58 2.08 59 2.13 60 2.20 61 2.29 62 2.41 63 2.55 64 2.72 65 2.92 66 3.17 67 3.45 68 3.77 69 4.14 70 4.54 71 4.98 72 5.46 73 5.99 74 TABLE 6 AGE LAST BIRTHDAY Non-Smoker 3.45 3.73 4.03 4.36 4.72 5.13 5.60 6.14 6.76 7.45 8.22 9.06 9.95 10.94 12.05 13.29 14.67 16.26 18.06 20.06 22.25 24.62 27.16 29.92 32.98 36.44 40.39 44.95 50.11 55.78 Smoker 6.55 7.13 7.76 8.44 9.18 10.00 10.93 11.98 13.17 14.47 15.86 17.33 18.88 20.51 22.26 24.21 26.41 28.89 31.66 34.69 37.90 41.26 44.74 48.39 52.35 56.72 61.63 67.18 73.33 80.07 Age 20 CSR 400-1 Non-Smoker 61.84 68.24 74.93 81.95 89.52 97.88 107.25 117.82 129.54 142.18 155.45 169.18 183.16 197.33 211.89 227.05 243.16 260.82 281.75 309.83 351.86 420.99 541.00 745.14 1000.00 Smoker 87.27 94.63 102.02 109.49 117.30 125.71 134.96 145.21 156.29 167.83 179.44 190.84 202.54 214.73 226.85 239.08 251.80 266.55 285.47 311.27 351.86 420.99 541.00 745.15 1000.00 AND INSURANCE 1980 CET FEMALE SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 1.61 16 1.65 17 1.68 18 1.71 19 1.74 20 1.76 21 1.78 22 1.79 23 1.81 24 1.83 25 1.85 26 1.88 27 1.90 28 1.93 29 1.97 30 2.00 31 2.04 32 2.08 33 2.13 34 2.19 35 2.26 36 2.36 37 2.48 38 2.61 39 2.75 40 2.92 41 3.10 42 3.29 43 3.52 44 3.76 AGE NEAREST BIRTHDAY Age Non-Smoker 1.71 45 1.76 46 1.81 47 1.86 48 1.89 49 1.92 50 1.94 51 1.97 52 2.00 53 2.03 54 2.06 55 2.11 56 2.15 57 2.20 58 2.26 59 2.33 60 2.39 61 2.46 62 2.55 63 2.65 64 2.76 65 2.93 66 3.13 67 3.39 68 3.72 69 4.11 70 4.52 71 4.94 72 5.36 73 6.77 74 TABLE 7 4.02 4.29 4.59 4.90 5.25 5.64 6.07 6.57 7.11 7.67 8.27 8.87 9.45 10.04 10.70 11.48 12.44 13.64 15.11 16.76 18.54 20.38 22.27 24.22 26.39 28.94 32.05 35.85 40.42 45.67 Smoker 6.21 6.67 7.14 7.64 8.20 8.80 9.44 10.17 10.97 11.79 12.64 13.47 14.25 15.02 15.83 16.81 18.03 19.60 21.52 23.65 25.90 28.18 30.39 32.63 35.06 37.93 41.57 46.03 51.34 57.38 Age Non-Smoker 51.53 57.88 64.68 72.03 80.18 89.45 100.11 112.40 126.26 141.53 158.05 175.71 194.47 214.34 235.50 258.09 282.65 310.09 342.36 383.80 443.33 538.04 698.41 967.15 1000.00 Smoker 63.99 71.01 78.34 86.09 94.52 103.97 114.70 126.89 140.97 156.23 172.45 189.48 207.16 225.58 244.73 265.95 288.81 314.16 343.93 383.80 443.33 538.04 698.41 967.15 1000.00 1980 CET MALE ANBV SMOKER AND NONSMOKER MORTALITY RATES Age Non-Smoker Smoker 15 2.11 16 2.23 17 2.32 18 2.38 19 2.42 20 2.43 21 2.41 22 2.38 23 2.34 24 2.30 25 2.25 26 2.22 27 2.20 28 2.19 29 2.19 30 2.20 31 2.23 32 2.27 33 2.33 34 2.40 35 2.48 36 2.57 37 2.69 38 2.82 39 2.96 40 3.13 41 3.33 42 3.58 43 3.85 44 4.15 Age 2.51 45 2.71 46 2.85 47 2.96 48 3.03 49 3.07 50 3.07 51 3.03 52 2.99 53 2.93 54 2.86 55 2.82 56 2.80 57 2.80 58 2.83 59 2.88 60 2.95 61 3.04 62 3.16 63 3.32 64 3.54 65 3.80 66 4.12 67 4.49 68 4.90 69 5.38 70 5.90 71 6.47 72 7.10 73 7.79 74 TABLE 8 AGE LAST BIRTHDAY Non-Smoker 4.49 4.85 5.24 5.67 6.14 6.67 7.28 7.98 8.79 9.69 10.69 11.78 12.94 14.22 15.67 17.28 19.07 21.14 23.48 26.08 28.93 32.01 35.31 38.90 42.87 47.37 52.51 58.44 65.14 72.51 Smoker 8.52 9.27 10.09 10.97 11.93 13.00 14.21 15.57 17.12 18.81 20.62 22.53 24.54 26.66 28.94 31.47 34.33 37.56 41.16 45.10 49.27 53.64 58.16 62.91 68.06 73.74 80.12 87.33 95.33 104.09 Age 20 CSR 400-1 Non-Smoker 80.39 88.71 97.41 106.54 116.38 127.24 139.43 153.17 168.40 184.83 202.09 219.93 238.11 256.53 275.46 295.17 316.11 339.07 366.28 402.78 457.42 547.29 703.30 968.70 1000.00 Smoker 113.45 123.02 132.63 142.34 152.49 163.42 175.45 188.77 203.18 218.18 233.27 248.09 263.30 279.15 294.91 310.80 327.34 346.52 371.11 404.65 457.42 547.29 703.30 968.70 1000.00 AND INSURANCE