In determining minimum cash surrender values and amounts of
paid-up nonforfeiture benefits for any policy of insurance on the life of
either a male or female insured on a form of insurance with separate rates for
smokers and nonsmokers delivered or issued for delivery in this state after the
operative date of Section (insert applicable reference corresponding to
paragraph 5-c(11) of the NAIC Model Standard Nonforfeiture Law for Life
Insurance) for that policy form, in addition to the mortality tables that may
be used according to Section 4,
(i) a
mortality table which is a blend of the male and female rates of mortality
according to the 1980 CSO Smoker Mortality Table, in the case of lives
classified as smokers, or the 1980 CSO Nonsmokers Mortality table, in the case
of lives classified as nonsmokers, with or without ten-year Select Mortality
Factors, may at the option of the company be substituted for the 1980 CSO
Table, with or without Ten-Year Select Mortality Factors, and
(ii) a mortality table which is of the same
blend as used in (i) but applied to form a blend of the male and female rates
of mortality according to the corresponding 1980 CET Smoker Mortality Table or
1980 Nonsmoker Mortality Table may at the option of the company be substituted
for the 1980 CET Table.
The following blended mortality tables will be considered
acceptable:
1. SA:100% Male 0% Female
smoker tables designated as "1980 CSO-SA" and "1980 CET-SA" tables.
2. SB:80% Male 20% Female smoker tables
designated as "1980 CSO-SB" and "1980 CET-SB" tables.
3. SC:60% Male 40% Female smoker tables
designated as "1980 CSO-SC" and "1980 CET-SC" tables.
4. SD:50% Male 50% Female smoker tables
designated as "1980 CSO-SD" and "1980 CET-SD" tables.
5. SE:40% Male 60% Female smoker tables
designated as "1980 CSO-SE" and "1980 CET-SE" tables.
6. SF:20% Male 80% Female smoker tables
designated as "1980 CSO-SF" and "1980 CET-SF" tables.
7. SG:0% Male 100% Female smoker tables
designated as "1980 CSO-SG" and "1980 CET-SG" tables.
8. NA:100% Male 0% Female nonsmoker tables
designated as "1980 CSO-NA" and "1980 CET-NA" tables.
9. NB:80% Male 20% Female nonsmoker tables
designated as "1980 CSO-NB" and "1980 CET-NB" tables.
10. NC:60% Male 40% Female nonsmoker tables
designated as "1980 CSO-NC" and "1980 CET-NC" tables.
11. ND:50% Male 50% Female nonsmoker tables
designated as "1980 CSO-ND" and "1980 CET-ND" tables.
12. NE:40% Male 60% Female nonsmoker tables
designated as "1980 CSO-NE" and "1980 CET-NE" tables.
13. NF:20% Male 80% Female nonsmoker tables
designated as "1980 CSO-NF" and "1980 CET-NF" tables.
14. NG:0% Male 100% Female nonsmoker tables
designated as "1980 CSO-NG" and "1980 CET-NG" tables.
Tables SA, SG, NA and NG are not acceptable as blended tables
unless the proportion of persons insured is anticipated to be 90% or more of
one sex or the other.
*Rule 6.05 was added by NAIC, December 1986
