N.Y. Comp. Codes R. & Regs. tit. 11, § 46.8 – Premiums.

(a) No policy of life insurance providing for the unemployment lapse protection benefit shall be issued or delivered in this State unless the premium rates have been filed with the superintendent.

(b) The following rates are considered deemed reasonable in relation to the benefits provided:

	Monthly Premium Rates per $100 of Monthly Benefit
Plan		Maximum Months of Benefits per Period of Unemployment
Waiting Period	Coverage Delay Period	6	12	24	36	48	60
60 days	None	2.05	3.08	4.58	5.63	6.26	6.49
90 days	None	1.72	2.69	4.15	5.17	5.76	5.95
180 days	None	1.20	2.04	3.39	4.30	4.79	4.90

60 days	6 months	1.85	2.77	4.13	5.07	5.64	5.84
90 days	6 months	1.55	2.42	3.76	4.65	5.18	5.35
180 days	6 months	1.08	1.84	3.05	3.87	4.31	4.41

60 days	1 year	1.74	2.62	3.90	4.79	5.32	5.51
90 days	1 year	1.46	2.29	3.53	4.39	4.90	5.06
180 days	1 year	1.02	1.74	2.88	3.65	4.07	4.16

(c) Rates for other waiting periods, coverage delay periods and maximum months of benefits per period of unemployment are deemed reasonable in relation to the benefits provided if they are the actuarial equivalent of the above rates.
(d) Alternative rates may be used subject to an annual benefit ratio of 60 percent. The benefit ratio shall be calculated as the incurred claims divided by the premiums earned. An insurer using alternative rates pursuant to this subdivision shall file a report annually with the superintendent demonstrating compliance with this subdivision.