D.C. Mun. Regs. tit. 26, r. 26-A3004

Current through Register 71, No. 45, November 7, 2024

Rule 26-A3004 - DEFINITIONS

3004.1

The definition of terms found in D.C. Official Code §§ 31-4701 et seq. (2001 and 2007 Supp.) shall apply to this chapter. For purposes of this chapter, the following terms shall have the meanings ascribed below:

2001 CSO Mortality Table" means that mortality table, consisting of separate rates of mortality for male and female lives, developed by the American Academy of Actuaries CSO Task Force from the Valuation Basic Mortality Table developed by the Society of Actuaries Individual Life Insurance Valuation Mortality Task Force, and adopted by the National Association of Insurance Commissioners ("NAIC") in December 2002 and supplemented by the NAIC in September 2006. The 2001 CSO Mortality Table is included in the Proceedings of the National Association of Insurance Commissioners (2nd Quarter 2002) and is supplemented by the 2001 CSO Preferred Class Structure Mortality Table included in the Proceedings of the NAIC (3rd Quarter 2006). Unless the context indicates otherwise, the 2001 CSO Mortality Table includes both the ultimate form of that table and the select and ultimate form of that table and includes both the smoker and nonsmoker mortality tables and the composite mortality tables. It also includes both the age-nearest-birthday and age-last-birthday bases of the mortality tables.

2001 CSO Mortality Table (F)" means that mortality table consisting of the rates of mortality for female lives from the 2001 CSO Mortality Table.

2001 CSO Mortality Table (M)" means that mortality table consisting of the rates of mortality for male lives from the 2001 CSO Mortality Table.

2001 CSO Preferred Class Structure Mortality Table" means mortality tables with separate rates of mortality for the super preferred nonsmokers, preferred nonsmokers, residual standard nonsmokers, preferred smokers, and residual standard smoker splits of the 2001 CSO nonsmoker and smoker tables as adopted by the NAIC in September 2006 and published in the Proceedings of the NAIC (3rd Quarter 2006). Unless the context indicates otherwise, the phrase "2001 CSO Preferred Class Structure Mortality Table" includes: both the ultimate form of that table and the select and ultimate form of that table; both the smoker and nonsmoker mortality tables; both the male and female mortality tables and the gender composite mortality tables; and both the age-nearest-birthday and age-last-birthday bases of the mortality table.

"Basic reserves" means reserves calculated in accordance with D.C. Code § 35-501 et seq.

"Composite mortality tables" means mortality tables with rates of mortality that do not distinguish between smokers and nonsmokers.

"Contract segmentation method" means the method of dividing the period from issue to mandatory expiration of a policy into successive segments, with the length of each segment being defined as the period from the end of the prior segment (from policy inception, for the first segment) to the end of the latest policy year as determined below. All calculations are made using the 1980 CSO valuation tables, as defined in this section, (or any other valuation mortality table adopted by the National Association of Insurance Commissioners after the effective date of this regulation and promulgated by regulation by the commissioner for this purpose), and, if elected, the optional minimum mortality standard for deficiency reserves stipulated in § 3001.2 of this chapter.

The length of a particular contract segment shall be set equal to the minimum of the value t for which G[t] is greater than R[t] (if G[t] never exceeds R[t] the segment length is deemed to be the number of years from the beginning of the segment to the mandatory expiration date of the policy), where G[t] and R[t] are defined as follows:

G[t]= (GP[x+k+t]) / (GP[x+k+t-l])

where:

x= original issue age;

k= the number of years from the date of issue to the beginning of the segment;

t= 1, 2, . . .; t is reset to 1 at the beginning of each segment;

GP[x+k+t-l]= Guaranteed gross premium per thousand of face amount for year t of the segment, ignoring policy fees only if level for the premium paying period of the policy.

R[t]= (q[x+k+t]) / (q[x+k+t-1]), However, R[t] may be increased or decreased by one percent in any policy year, at the company's option, but R[t] shall not be less than one;

where:

x, k and t are as defined above, and

q[x+k+t-l]= valuation mortality rate for deficiency reserves in policy year k+t but using the mortality of § 3001.2(b) if § 3001.2(c) is elected for deficiency reserves.

However, if GP[x+k+t] is greater than 0 and GP[x+k+t-l] is equal to 0, G[t] shall be deemed to be 1000. If GP[x+k+t] and GP[x+k+t-1] are both equal to 0, G[t] shall be deemed to be 0.

"Deficiency reserves" means the excess, if greater than zero, of

(a) Minimum reserves calculated in accordance with D.C. Code § 35-501 over basic reserves.

"Guaranteed gross premiums" means the premiums under a policy of life insurance that are guaranteed and determined at issue.

"Maximum valuation interest rates" means the interest rates defined in D.C. Code § 35-501 et seq. (Computation of Minimum Standard by Calendar Year of Issue) that are to be used in determining the minimum standard for the valuation of life insurance policies.

1980 CSO valuation tables" means the Commissioners' 1980 Standard Ordinary Mortality Table (1980 CSO Table) without ten-year selection factors, incorporated into the 1980 amendments to the National Association of Insurance Commissioners Standard Valuation Law, and variations of the 1980 CSO Table approved by the National Association of Insurance Commissioners such as the smoker and nonsmoker versions approved in December 1983.

"Scheduled gross premium" means the smallest illustrated gross premium at issue for other than universal life insurance policies. For universal life insurance policies, scheduled gross premium means the smallest specified premium described in § 3003.3, if any, or else the minimum premium described in § 3003.4.

"Segmented reserves" means reserves, calculated using segments produced by the contract segmentation method, equal to the present value of all future guaranteed benefits less the present value of all future net premiums to the mandatory expiration of a policy, where the net premiums within each segment are a uniform percentage of the respective guaranteed gross premiums within the segment. The uniform percentage for each segment is such that, at the beginning of the segment, the present value of the net premiums within the segment equals the present value of the death benefits within the segment, plus the present value of any unusual guaranteed cash value (see § 3002.7) occurring at the end of the segment, less any unusual guaranteed cash value occurring at the start of the segment, plus for the first segment only, the excess of the item (a) over item (b), as follows:

(a) A net level annual premium equal to the present value, at the date of issue, of the benefits provided for in the first segment after the first policy year, divided by the present value, at the date of issue, of an annuity of one per year payable on the first and each subsequent anniversary within the first segment on which a premium falls due. However, the net level annual premium shall not exceed the net level annual premium on the nineteen-year premium whole life plan of insurance of the same renewal year equivalent level amount at an age one year higher than the age at issue of the policy.

(b) A net one-year term premium for the benefits provided for in the first policy year. The length of each segment is determined by the "contract segmentation method," as defined in this section. The interest rates used in the present value calculations for any policy may not exceed the maximum valuation interest rate, determined with a guarantee duration equal to the sum of the lengths of all segments of the policy. For both basic reserves and deficiency reserves computed by the segmented method, present values shall include future benefits and net premiums in the current segment and in all subsequent segments.

"Smoker and nonsmoker mortality tables" means mortality tables with separate rates of mortality for smokers and nonsmokers.

"Statistical agent" means an entity with: proven systems for protecting the confidentiality of individual insured and insurer information; demonstrated resources for and history of ongoing electronic communications and data transfer ensuring data integrity with insurers, which are its members or subscribers; and a history of and means for aggregation of data and accurate promulgation of the experience modifications in a timely manner.

"Tabular cost of insurance" means the net single premium at the beginning of a policy year for one year term insurance in the amount of the guaranteed death benefit in that policy year.

"Ten-year select factors" means the select factors adopted with the 1980 amendments to the National Association of Insurance Commissioners Standard Valuation Law.

"Unitary reserves" means the present value of all future guaranteed benefits less the present value of all future modified net premiums, where:

(a) Guaranteed benefits and modified net premiums are considered to the mandatory expiration of the policy; and

(b) Modified net premiums are a uniform percentage of the respective guaranteed gross premiums, where the uniform percentage is such that, at issue, the present value of the net premiums equals the present value of all death benefits and pure endowments, plus the excess of item (1) over item (2), as follows:

(1) A net level annual premium equal to the present value, at the date of issue, of the benefits provided for after the first policy year, divided by the present value, at the date of issue, of an annuity of one per year payable on the first and each subsequent anniversary of the policy on which a premium falls due. However, the net level annual premium shall not exceed the net level annual premium on the nineteen-year premium whole life plan of insurance of the same renewal year equivalent level amount at an age one year higher than the age at issue of the policy.

(2) A net one-year term premium for the benefits provided for in the first policy year.

(3) The interest rates used in the present value calculations for any policy may not exceed the maximum valuation interest rate, determined with a guarantee duration equal to the length from issue to the mandatory expiration of the policy.

"Universal life insurance policy" means any individual life insurance policy under the provisions of which separately identified interest credits (other than in connection with dividend accumulations, premium deposit funds, or other supplementary accounts) and mortality or expense charges are made to the policy.

Appendix

BASE SELECT MORTALITY FACTORS

This appendix contains tables of select mortality factors that are the bases to which the respective percentages of Sections 3001.1(b), 3001.2(b) and 3001.2(c) are applied.

The six tables of select mortality factors contained herein include:

(1) male aggregate,

(2) male nonsmokers,

(3) male smoker,

(4) female aggregate,

(5) female nonsmoker, and

(6) female smoker.

These tables apply to both age last birthday and age nearest birthday mortality tables.

For sex-blended mortality tables, compute select mortality factors in the same proportion as the underlying mortality. For example, for the 1980 CSO-B Table, the calculated select mortality factors are eighty percent (80%) of the appropriate male table in this Appendix, plus twenty percent (20%) of the appropriate female table in this Appendix.

Appendix

SELECT MORTALITY FACTORS

Male, Aggregate

Issue Duration

Age	1	2	3	4	5	6	7	8	9	10
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	100	100	100	100	100	100	100	100	100	100
18	96	98	98	99	99	100	100	90	92	92
19	83	84	84	87	87	87	79	79	79	81
20	69	71	71	74	74	69	69	67	69	70
21	66	68	69	71	66	66	67	66	67	70
22	65	66	66	63	63	64	64	64	65	68
23	62	63	59	60	62	62	63	63	64	65
24	60	56	56	59	59	60	61	61	61	64
25	52	53	55	56	58	58	60	60	60	63
26	51	52	55	56	58	58	57	61	61	62
27	51	52	55	57	58	60	61	61	60	63
28	49	51	56	58	60	60	61	62	62	63
29	49	51	56	58	60	61	62	62	62	64
30	49	50	56	58	60	60	62	63	63	64
31	47	50	56	58	60	62	63	64	64	62
32	46	49	56	59	60	62	63	66	62	63
33	43	49	56	59	62	63	64	62	65	66
34	42	47	56	60	62	63	61	63	66	67
35	40	47	56	60	63	61	62	65	67	68
36	38	42	56	60	59	61	63	65	67	68
37	38	45	56	57	61	62	63	65	67	68
38	37	44	53	58	61	62	65	66	67	69
39	37	41	53	58	62	63	65	65	66	68
40	34	40	53	58	62	63	65	65	66	68
41	34	41	53	58	62	63	65	64	64	66
42	34	43	53	58	61	62	63	63	63	64
43	34	43	54	59	60	61	63	62	62	64
44	34	44	54	58	59	60	61	60	61	62
45	34	45	53	58	59	60	60	60	59	60
46	31	43	52	56	57	58	59	59	59	60
47	32	42	50	53	55	56	57	58	59	60
48	32	41	47	52	54	56	57	57	57	61
49	30	40	46	49	52	54	55	56	57	61
50	30	38	44	47	51	53	54	56	57	61
51	28	37	42	46	49	53	54	56	57	61
52	28	35	41	45	49	51	54	56	57	61
53	27	35	39	44	48	51	53	55	57	61
54	27	33	38	44	48	50	53	55	57	61
55	25	32	37	43	47	50	53	55	57	61
56	25	32	37	43	47	49	51	54	56	61
57	24	31	38	43	47	49	51	54	56	59
58	24	31	38	43	48	48	50	53	56	59
59	23	30	39	43	48	48	51	53	55	58
60	23	30	39	43	48	47	50	52	53	57
61	23	30	39	43	49	49	50	52	53	75
62	23	30	39	44	49	49	51	52	75	75
63	22	30	39	45	50	50	52	75	75	75
64	22	30	39	45	50	51	75	75	75	75
65	22	30	39	45	50	65	70	70	70	70
66	22	30	39	45	60	65	70	70	70	70
67	22	30	39	60	60	65	70	70	70	70
68	23	32	55	60	60	65	70	70	70	70
69	23	52	55	60	60	65	70	70	70	70
70	48	52	55	60	60	65	70	70	70	70
71	48	52	55	60	60	65	70	70	70	70
72	48	52	55	60	60	65	70	70	70	70
73	48	52	55	60	60	65	70	70	70	70
74	48	52	55	60	60	65	70	70	70	70
75	48	52	55	60	60	65	70	70	70	70
76	48	52	55	60	60	65	70	70	70	100
77	48	52	55	60	60	65	70	70	100	100
78	48	52	55	60	60	65	70	100	100	100
79	48	52	55	60	60	65	100	100	100	100
80	48	52	55	60	60	100	100	100	100	100
81	48	52	55	60	100	100	100	100	100	100
82	48	52	55	100	100	100	100	100	100	100
83	48	52	100	100	100	100	100	100	100	100
84	48	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100
Age	11	12	13	14	15	16	17	18	19	20+
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	100	100	100	100	100	100	100	100	100	100
18	92	92	93	93	96	97	98	98	99	100
19	81	82	82	82	85	88	91	94	97	100
20	71	71	71	71	74	79	84	90	95	100
21	70	70	70	71	71	77	83	88	94	100
22	68	68	68	69	71	77	83	88	94	100
23	65	67	67	69	70	76	82	88	94	100
24	64	64	66	67	70	76	82	88	94	100
25	62	63	64	67	69	75	81	88	94	100
26	63	64	66	69	66	73	80	86	93	100
27	63	64	67	66	67	74	80	87	93	100
28	64	66	65	66	68	74	81	87	94	100
29	64	62	66	67	70	76	82	88	94	100
30	62	63	67	68	71	77	83	88	94	100
31	63	66	68	70	72	78	83	89	94	100
32	66	67	70	72	73	78	84	89	95	100
33	67	70	72	73	75	80	85	90	95	100
34	70	71	73	75	76	81	86	90	95	100
35	71	73	74	76	76	81	86	90	95	100
36	70	72	74	76	77	82	86	91	95	100
37	70	72	74	76	76	81	86	90	95	100
38	69	73	75	76	77	82	86	91	95	100
39	69	72	74	76	76	81	86	90	95	100
40	68	71	75	76	77	82	86	91	95	100
41	68	70	74	76	77	82	86	91	95	100
42	66	69	72	75	77	82	86	91	95	100
43	66	67	72	74	77	82	86	91	95	100
44	64	67	71	74	77	82	86	91	95	100
45	63	66	71	74	77	82	86	91	95	100
46	63	67	71	74	75	80	85	90	95	100
47	65	68	71	74	75	80	85	90	95	100
48	65	68	72	73	74	79	84	90	95	100
49	66	69	72	73	74	79	84	90	95	100
50	66	71	72	73	75	80	85	90	95	100
51	66	71	72	73	75	80	85	90	95	100
52	66	71	72	74	75	80	85	90	100	100
53	67	71	74	75	76	81	86	100	100	100
54	67	72	74	75	76	81	100	100	100	100
55	68	72	74	75	78	100	100	100	100	100
56	67	70	73	74	100	100	100	100	100	100
57	66	69	72	100	100	100	100	100	100	100
58	64	67	100	100	100	100	100	100	100	100
59	63	100	100	100	100	100	100	100	100	100
60	100	100	100	100	100	100	100	100	100	100
61	100	100	100	100	100	100	100	100	100	100
62	100	100	100	100	100	100	100	100	100	100
63	100	100	100	100	100	100	100	100	100	100
64	100	100	100	100	100	100	100	100	100	100
65	100	100	100	100	100	100	100	100	100	100
66	100	100	100	100	100	100	100	100	100	100
67	100	100	100	100	100	100	100	100	100	100
68	100	100	100	100	100	100	100	100	100	100
69	100	100	100	100	100	100	100	100	100	100
70	100	100	100	100	100	100	100	100	100	100
71	100	100	100	100	100	100	100	100	100	100
72	100	100	100	100	100	100	100	100	100	100
73	100	100	100	100	100	100	100	100	100	100
74	100	100	100	100	100	100	100	100	100	100
75	100	100	100	100	100	100	100	100	100	100
76	100	100	100	100	100	100	100	100	100	100
77	100	100	100	100	100	100	100	100	100	100
78	100	100	100	100	100	100	100	100	100	100
79	100	100	100	100	100	100	100	100	100	100
80	100	100	100	100	100	100	100	100	100	100
81	100	100	100	100	100	100	100	100	100	100
82	100	100	100	100	100	100	100	100	100	100
83	100	100	100	100	100	100	100	100	100	100
84	100	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100

Male, Non-Smoker

Issue Duration

Age	1	2	3	4	5	6	7	8	9	10
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	100	100	100	100	100	100	100	100	100	100
18	93	95	96	98	99	100	100	90	92	92
19	80	81	83	86	87	87	79	79	79	81
20	65	68	69	72	74	69	69	67	69	70
21	63	66	68	71	66	66	67	66	67	70
22	62	65	66	62	63	64	64	64	67	68
23	60	62	58	60	62	62	63	63	64	67
24	59	55	56	58	59	60	61	61	63	65
25	52	53	55	56	58	58	60	60	61	64
26	51	53	55	56	58	60	61	61	61	63
27	51	52	55	58	60	60	61	61	62	63
28	49	52	57	58	60	61	63	62	62	64
29	49	51	57	60	61	61	62	62	63	64
30	49	51	57	60	61	62	63	63	63	64
31	47	50	57	60	60	62	63	64	64	62
32	46	50	57	60	62	63	64	64	62	63
33	45	49	56	60	62	63	64	62	63	65
34	43	48	56	62	63	64	62	62	65	66
35	41	47	56	62	63	61	62	63	66	67
36	40	47	56	62	59	61	62	63	66	67
37	38	45	56	58	59	61	62	63	66	67
38	38	45	53	58	61	62	63	65	65	67
39	37	41	53	58	61	62	63	64	65	67
40	34	41	53	58	61	62	63	64	64	66
41	34	41	53	58	61	61	62	62	63	65
42	34	43	53	58	60	61	62	61	61	63
43	32	43	53	58	60	61	60	60	60	60
44	32	44	52	57	59	60	60	59	59	58
45	32	44	52	57	59	60	59	57	57	57
46	32	42	50	54	56	57	57	56	55	56
47	30	40	48	52	54	55	55	54	54	55
48	30	40	46	49	51	52	53	53	54	55
49	29	39	43	48	50	51	50	51	53	54
50	29	37	42	45	47	48	49	50	51	54
51	27	35	40	43	45	47	48	50	51	53
52	27	34	39	42	44	45	48	49	50	53
53	25	31	37	41	44	45	47	49	50	51
54	25	30	36	39	43	44	47	48	49	51
55	24	29	35	38	42	43	45	48	49	50
56	23	29	35	38	42	42	44	47	48	50
57	23	28	35	38	42	42	43	45	47	49
58	22	28	33	37	41	41	43	45	45	47
59	22	26	33	37	41	41	42	44	44	46
60	20	26	33	37	41	40	41	42	42	45
61	20	26	33	37	41	40	41	42	42	75
62	19	25	32	38	40	40	41	42	75	75
63	19	25	33	36	40	40	41	75	75	75
64	18	24	32	36	39	40	75	75	75	75
65	18	24	32	36	39	65	70	70	70	70
66	18	24	32	36	60	65	70	70	70	70
67	18	24	32	60	60	65	70	70	70	70
68	18	24	55	60	60	65	70	70	70	70
69	18	52	55	60	60	65	70	70	70	70
70	48	52	55	60	60	65	70	70	70	70
71	48	52	55	60	60	65	70	70	70	70
72	48	52	55	60	60	65	70	70	70	70
73	48	52	55	60	60	65	70	70	70	70
74	48	52	55	60	60	65	70	70	70	70
75	48	52	55	60	60	65	70	70	70	70
76	48	52	55	60	60	65	70	70	70	100
77	48	52	55	60	60	65	70	70	100	100
78	48	52	55	60	60	65	70	100	100	100
79	48	52	55	60	60	65	100	100	100	100
80	48	52	55	60	60	100	100	100	100	100
81	48	52	55	60	100	100	100	100	100	100
82	48	52	55	100	100	100	100	100	100	100
83	48	52	100	100	100	100	100	100	100	100
84	48	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100
Age	11	12	13	14	15	16	17	18	19	20+
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	100	100	100	100	100	100	100	100	100	100
18	92	92	95	95	96	97	98	98	99	100
19	81	82	83	83	86	89	92	94	97	100
20	71	71	72	72	75	80	85	90	95	100
21	70	70	71	71	73	78	84	89	95	100
22	68	68	70	70	73	78	84	89	95	100
23	68	68	67	69	71	77	83	88	94	100
24	67	66	66	69	71	77	83	88	94	100
25	64	64	64	67	70	76	82	88	94	100
26	64	64	66	69	67	74	80	87	93	100
27	64	66	67	66	67	74	80	87	93	100
28	66	66	63	66	68	74	81	87	94	100
29	66	63	65	67	68	74	81	87	94	100
30	62	63	66	68	70	76	82	88	94	100
31	63	65	67	70	71	77	83	88	94	100
32	65	66	68	71	72	78	83	89	94	100
33	66	68	71	73	74	79	84	90	95	100
34	67	70	72	74	74	79	84	90	95	100
35	68	70	72	74	75	80	85	90	95	100
36	68	70	72	74	75	80	85	90	95	100
37	67	69	71	73	74	79	84	90	95	100
38	68	70	72	74	73	78	84	89	95	100
39	68	70	71	73	73	78	84	89	95	100
40	67	69	71	73	72	78	83	89	94	100
41	65	67	69	71	71	77	83	88	94	100
42	64	66	67	69	71	77	83	88	94	100
43	62	64	66	68	69	75	81	88	94	100
44	60	62	65	67	69	75	81	88	94	100
45	59	61	63	66	68	74	81	87	94	100
46	59	61	63	65	67	74	80	87	93	100
47	59	61	62	63	66	73	80	86	93	100
48	57	61	62	63	63	70	78	85	93	100
49	57	61	61	62	62	70	77	85	92	100
50	57	61	61	61	61	69	77	84	92	100
51	57	60	61	61	62	70	77	85	92	100
52	56	60	60	62	62	70	77	85	100	100
53	56	59	61	61	62	70	77	100	100	100
54	55	59	59	61	62	70	100	100	100	100
55	56	58	59	61	62	100	100	100	100	100
56	55	57	58	59	100	100	100	100	100	100
57	53	55	56	100	100	100	100	100	100	100
58	51	53	100	100	100	100	100	100	100	100
59	50	100	100	100	100	100	100	100	100	100
60	100	100	100	100	100	100	100	100	100	100
61	100	100	100	100	100	100	100	100	100	100
62	100	100	100	100	100	100	100	100	100	100
63	100	100	100	100	100	100	100	100	100	100
64	100	100	100	100	100	100	100	100	100	100
65	100	100	100	100	100	100	100	100	100	100
66	100	100	100	100	100	100	100	100	100	100
67	100	100	100	100	100	100	100	100	100	100
68	100	100	100	100	100	100	100	100	100	100
69	100	100	100	100	100	100	100	100	100	100
70	100	100	100	100	100	100	100	100	100	100
71	100	100	100	100	100	100	100	100	100	100
72	100	100	100	100	100	100	100	100	100	100
73	100	100	100	100	100	100	100	100	100	100
74	100	100	100	100	100	100	100	100	100	100
75	100	100	100	100	100	100	100	100	100	100
76	100	100	100	100	100	100	100	100	100	100
77	100	100	100	100	100	100	100	100	100	100
78	100	100	100	100	100	100	100	100	100	100
79	100	100	100	100	100	100	100	100	100	100
80	100	100	100	100	100	100	100	100	100	100
81	100	100	100	100	100	100	100	100	100	100
82	100	100	100	100	100	100	100	100	100	100
83	100	100	100	100	100	100	100	100	100	100
84	100	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100

Male, Smoker

Issue Duration

Age	1	2	3	4	5	6	7	8	9	10
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	100	100	100	100	100	100	100	100	100	100
18	100	100	100	100	100	100	100	100	100	100
19	100	100	100	100	100	100	100	100	100	100
20	98	100	100	100	100	100	100	99	99	99
21	95	98	99	100	95	96	96	95	96	97
22	92	95	96	90	90	93	93	92	93	95
23	90	92	85	88	88	89	89	89	90	90
24	87	81	82	85	84	86	88	86	86	88
25	77	78	79	82	81	83	83	82	83	85
26	75	77	79	82	82	83	83	82	83	84
27	73	75	78	82	82	83	83	82	82	82
28	71	73	79	82	81	82	83	81	81	82
29	69	72	78	81	81	82	82	81	81	81
30	68	71	78	81	81	81	82	81	81	81
31	65	70	77	81	79	81	82	81	81	76
32	63	67	77	78	79	81	81	81	76	77
33	60	65	74	78	79	79	81	76	77	77
34	57	62	74	77	79	79	75	76	77	79
35	53	60	73	77	79	75	75	76	77	79
36	52	59	71	75	74	75	75	76	77	79
37	49	58	70	71	74	74	75	76	77	78
38	48	55	66	70	72	74	74	75	76	78
39	45	50	65	70	72	72	74	74	75	77
40	41	49	63	68	71	72	73	74	74	76
41	40	49	63	68	71	72	72	72	73	75
42	40	49	62	68	70	71	71	71	71	73
43	39	50	62	67	69	69	70	70	70	71
44	39	50	60	66	68	69	68	69	69	69
45	37	50	60	66	68	68	68	67	67	67
46	37	48	58	63	65	67	66	66	66	67
47	36	47	55	61	63	64	64	64	65	67
48	35	46	53	58	60	62	63	63	65	67
49	34	45	51	56	58	59	61	62	63	67
50	34	43	49	53	55	57	60	61	63	67
51	32	42	47	52	55	57	60	61	63	67
52	32	40	46	50	54	56	60	61	63	67
53	30	37	44	49	54	56	59	61	65	67
54	30	36	43	48	53	55	59	61	65	67
55	29	35	42	47	53	55	59	61	65	67
56	28	35	42	47	53	55	57	60	63	68
57	28	35	42	47	53	54	57	60	64	67
58	26	33	43	48	54	54	56	59	63	67
59	26	33	43	48	54	53	57	59	63	66
60	25	33	43	48	54	53	56	58	62	66
61	25	33	43	49	55	55	57	59	63	75
62	25	33	43	50	56	56	58	61	75	75
63	24	33	45	51	56	56	59	75	75	75
64	24	34	45	51	57	57	75	75	75	75
65	24	34	45	52	57	65	70	70	70	70
66	24	35	45	53	60	65	70	70	70	70
67	25	35	45	60	60	65	70	70	70	70
68	25	36	55	60	60	65	70	70	70	70
69	27	52	55	60	60	65	70	70	70	70
70	48	52	55	60	60	65	70	70	70	70
71	48	52	55	60	60	65	70	70	70	70
72	48	52	55	60	60	65	70	70	70	70
73	48	52	55	60	60	65	70	70	70	70
74	48	52	55	60	60	65	70	70	70	70
75	48	52	55	60	60	65	70	70	70	70
76	48	52	55	60	60	65	70	70	70	100
77	48	52	55	60	60	65	70	70	100	100
78	48	52	55	60	60	65	70	100	100	100
79	48	52	55	60	60	65	100	100	100	100
80	48	52	55	60	60	100	100	100	100	100
81	48	52	55	60	100	100	100	100	100	100
82	48	52	55	100	100	100	100	100	100	100
83	48	52	100	100	100	100	100	100	100	100
84	48	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100
Age	11	12	13	14	15	16	17	18	19	20+
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	100	100	100	100	100	100	100	100	100	100
18	100	100	100	100	100	100	100	100	100	100
19	100	100	100	100	100	100	100	100	100	100
20	100	99	99	99	100	100	100	100	100	100
21	97	96	96	96	96	97	98	98	99	100
22	95	93	93	92	93	94	96	97	99	100
23	90	90	89	90	92	94	95	97	98	100
24	88	86	86	88	89	91	93	96	98	100
25	84	84	84	85	86	89	92	94	97	100
26	84	84	84	85	81	85	89	92	96	100
27	82	84	84	80	81	85	89	92	96	100
28	82	82	80	80	81	85	89	92	96	100
29	81	77	80	80	81	85	89	92	96	100
30	76	77	80	80	81	85	89	92	96	100
31	77	79	81	81	83	86	90	93	97	100
32	77	80	83	83	85	88	91	94	97	100
33	79	80	83	85	85	88	91	94	97	100
34	79	81	83	85	87	90	92	95	97	100
35	80	82	84	86	88	90	93	95	98	100
36	79	81	83	85	87	90	92	95	97	100
37	79	81	84	86	86	89	92	94	97	100
38	79	81	83	85	87	90	92	95	97	100
39	79	81	84	86	86	89	92	94	97	100
40	78	80	83	85	86	89	92	94	97	100
41	76	78	81	84	85	88	91	94	97	100
42	75	76	81	83	85	88	91	94	97	100
43	73	76	79	83	85	88	91	94	97	100
44	71	74	79	81	85	88	91	94	97	100
45	69	73	78	81	85	88	91	94	97	100
46	71	74	78	81	84	87	90	94	97	100
47	71	75	79	81	84	87	90	94	97	100
48	72	75	79	81	83	86	90	93	97	100
49	72	77	80	81	83	86	90	93	97	100
50	73	78	80	81	81	85	89	92	96	100
51	73	78	80	83	84	87	90	94	97	100
52	73	78	81	84	85	88	91	94	100	100
53	74	79	83	85	87	90	92	100	100	100
54	74	80	84	85	89	91	100	100	100	100
55	75	80	84	86	90	100	100	100	100	100
56	74	79	83	85	100	100	100	100	100	100
57	74	78	81	100	100	100	100	100	100	100
58	73	78	100	100	100	100	100	100	100	100
59	73	100	100	100	100	100	100	100	100	100
60	100	100	100	100	100	100	100	100	100	100
61	100	100	100	100	100	100	100	100	100	100
62	100	100	100	100	100	100	100	100	100	100
63	100	100	100	100	100	100	100	100	100	100
64	100	100	100	100	100	100	100	100	100	100
65	100	100	100	100	100	100	100	100	100	100
66	100	100	100	100	100	100	100	100	100	100
67	100	100	100	100	100	100	100	100	100	100
68	100	100	100	100	100	100	100	100	100	100
69	100	100	100	100	100	100	100	100	100	100
70	100	100	100	100	100	100	100	100	100	100
71	100	100	100	100	100	100	100	100	100	100
72	100	100	100	100	100	100	100	100	100	100
73	100	100	100	100	100	100	100	100	100	100
74	100	100	100	100	100	100	100	100	100	100
75	100	100	100	100	100	100	100	100	100	100
76	100	100	100	100	100	100	100	100	100	100
77	100	100	100	100	100	100	100	100	100	100
78	100	100	100	100	100	100	100	100	100	100
79	100	100	100	100	100	100	100	100	100	100
80	100	100	100	100	100	100	100	100	100	100
81	100	100	100	100	100	100	100	100	100	100
82	100	100	100	100	100	100	100	100	100	100
83	100	100	100	100	100	100	100	100	100	100
84	100	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100

Female, Aggregate

Issue Duration

Age	1	2	3	4	5	6	7	8	9	10
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	99	100	100	100	100	100	100	100	93	95
18	83	83	84	84	84	84	86	78	78	79
19	65	66	68	68	68	68	63	63	64	66
20	48	50	51	51	51	47	48	48	49	51
21	47	48	50	51	47	47	48	49	51	53
22	44	47	48	45	47	47	48	49	53	54
23	42	45	44	45	47	47	49	51	53	54
24	39	40	42	44	47	47	50	51	54	56
25	34	38	41	44	47	47	50	53	56	57
26	34	38	41	45	49	49	51	56	58	59
27	34	38	41	47	50	51	54	57	59	60
28	34	37	43	47	53	53	56	59	62	63
29	34	38	43	49	54	56	58	60	63	64
30	35	38	43	50	56	56	59	63	66	67
31	35	38	43	51	56	58	60	64	67	65
32	35	39	45	51	56	59	63	66	65	66
33	36	39	44	52	58	62	64	65	66	67
34	36	40	45	52	58	63	63	66	67	68
35	36	40	45	53	59	61	65	67	68	70
36	36	40	45	53	55	62	65	67	68	70
37	36	41	47	52	57	62	65	67	68	69
38	34	41	44	52	57	63	66	68	69	70
39	34	40	45	53	58	63	66	68	69	69
40	32	40	45	53	58	65	65	67	68	69
41	32	40	45	53	57	63	64	67	68	68
42	32	40	45	52	56	61	63	65	66	68
43	31	39	45	51	55	59	61	65	65	66
44	31	39	45	50	54	58	61	63	64	66
45	31	38	44	49	53	56	59	62	63	65
46	29	37	43	48	51	54	59	62	63	65
47	28	35	41	46	49	54	57	61	62	66
48	28	35	41	44	49	52	57	61	63	66
49	26	34	39	43	47	52	55	61	63	67
50	25	32	38	41	46	50	55	61	63	67
51	25	32	38	41	45	50	55	61	63	66
52	23	30	36	41	45	51	56	61	62	65
53	23	30	36	41	47	51	56	61	62	63
54	22	29	35	41	47	53	57	61	61	62
55	22	29	35	41	47	53	57	61	61	61
56	22	29	35	41	45	51	56	59	60	61
57	22	29	35	41	45	50	54	56	58	59
58	22	30	36	41	44	49	53	56	57	57
59	22	30	36	41	44	48	51	53	55	56
60	22	30	36	41	43	47	50	51	53	55
61	22	29	35	39	42	46	49	50	52	80
62	20	28	33	39	41	45	47	49	80	80
63	20	28	33	38	41	44	46	80	80	80
64	19	27	32	36	40	42	80	80	80	80
65	19	25	30	35	39	72	75	75	80	80
66	19	25	30	35	72	72	75	75	80	80
67	19	25	30	72	72	72	75	75	80	80
68	19	25	68	72	72	72	75	75	80	80
69	19	64	68	72	72	72	75	75	80	80
70	60	60	64	68	68	72	75	75	80	80
71	60	60	64	68	68	72	75	75	80	80
72	60	60	64	68	68	72	75	75	80	80
73	60	60	64	68	68	72	75	75	80	80
74	60	60	64	68	68	72	75	75	80	80
75	60	60	64	68	68	72	75	75	80	80
76	60	60	64	68	68	72	75	75	80	100
77	60	60	64	68	68	72	75	75	100	100
78	60	60	64	68	68	72	75	100	100	100
79	60	60	64	68	68	72	100	100	100	100
80	60	60	64	68	68	100	100	100	100	100
81	60	60	64	68	100	100	100	100	100	100
82	60	60	64	100	100	100	100	100	100	100
83	60	60	100	100	100	100	100	100	100	100
84	60	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100
Age	11	12	13	14	15	16	17	18	19	20+
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	96	97	97	100	100	100	100	100	100	100
18	82	84	85	88	88	90	93	95	98	100
19	69	71	72	74	75	80	85	90	95	100
20	56	57	58	61	63	70	78	85	93	100
21	57	60	61	64	64	71	78	86	93	100
22	60	61	63	64	66	73	80	86	93	100
23	61	64	64	67	69	75	81	88	94	100
24	64	64	66	69	70	76	82	88	94	100
25	64	67	69	71	73	78	84	89	95	100
26	66	69	70	73	70	76	82	88	94	100
27	69	70	73	70	71	77	83	88	94	100
28	70	73	70	72	74	79	84	90	95	100
29	73	70	72	74	75	80	85	90	95	100
30	70	71	74	75	76	81	86	90	95	100
31	71	72	74	75	76	81	86	90	95	100
32	72	72	75	76	76	81	86	90	95	100
33	72	74	75	76	76	81	86	90	95	100
34	74	74	76	76	76	81	86	90	95	100
35	75	74	75	76	75	80	85	90	95	100
36	74	74	74	75	75	80	85	90	95	100
37	72	72	73	75	74	79	84	90	95	100
38	72	71	72	74	75	80	85	90	95	100
39	70	70	70	73	74	79	84	90	95	100
40	70	69	70	73	73	78	84	89	95	100
41	69	69	69	73	74	79	84	90	95	100
42	69	68	70	74	75	80	85	90	95	100
43	68	69	69	74	77	82	86	91	95	100
44	67	68	71	75	78	82	87	91	96	100
45	67	68	71	77	79	83	87	92	96	100
46	67	69	71	77	78	82	87	91	96	100
47	68	69	71	77	77	82	86	91	95	100
48	68	71	72	75	77	82	86	91	95	100
49	69	71	72	75	75	80	85	90	95	100
50	69	72	72	75	74	79	84	90	95	100
51	68	69	71	74	74	79	84	90	95	100
52	66	68	68	73	73	78	84	89	100	100
53	65	66	68	72	72	78	83	100	100	100
54	62	66	66	69	70	76	100	100	100	100
55	62	63	64	68	69	100	100	100	100	100
56	62	63	64	67	100	100	100	100	100	100
57	61	62	63	100	100	100	100	100	100	100
58	61	62	100	100	100	100	100	100	100	100
59	59	100	100	100	100	100	100	100	100	100
60	100	100	100	100	100	100	100	100	100	100
61	100	100	100	100	100	100	100	100	100	100
62	100	100	100	100	100	100	100	100	100	100
63	100	100	100	100	100	100	100	100	100	100
64	100	100	100	100	100	100	100	100	100	100
65	100	100	100	100	100	100	100	100	100	100
66	100	100	100	100	100	100	100	100	100	100
67	100	100	100	100	100	100	100	100	100	100
68	100	100	100	100	100	100	100	100	100	100
69	100	100	100	100	100	100	100	100	100	100
70	100	100	100	100	100	100	100	100	100	100
71	100	100	100	100	100	100	100	100	100	100
72	100	100	100	100	100	100	100	100	100	100
73	100	100	100	100	100	100	100	100	100	100
74	100	100	100	100	100	100	100	100	100	100
75	100	100	100	100	100	100	100	100	100	100
76	100	100	100	100	100	100	100	100	100	100
77	100	100	100	100	100	100	100	100	100	100
78	100	100	100	100	100	100	100	100	100	100
79	100	100	100	100	100	100	100	100	100	100
80	100	100	100	100	100	100	100	100	100	100
81	100	100	100	100	100	100	100	100	100	100
82	100	100	100	100	100	100	100	100	100	100
83	100	100	100	100	100	100	100	100	100	100
84	100	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100

Female, Non-Smoker

Issue Duration

Age	1	2	3	4	5	6	7	8	9	10
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	96	98	98	98	98	99	99	99	92	92
18	78	80	80	80	80	81	81	74	75	75
19	60	62	63	63	63	65	59	59	60	60
20	42	44	45	45	45	42	42	42	45	45
21	41	42	44	45	41	42	42	44	47	47
22	39	41	44	41	41	42	44	45	49	49
23	38	41	38	40	41	42	44	46	49	50
24	36	36	38	40	41	42	46	47	50	51
25	32	34	37	40	41	43	46	49	51	53
26	32	34	37	41	43	45	47	50	53	53
27	32	34	38	43	46	47	49	51	53	55
28	30	34	39	43	47	49	51	53	56	58
29	30	35	40	45	50	51	52	55	58	59
30	31	35	40	46	51	52	53	56	59	60
31	31	35	40	46	51	53	55	58	60	58
32	32	35	40	45	51	53	56	59	57	58
33	32	36	41	47	52	55	58	55	58	59
34	33	36	41	47	52	55	55	57	58	59
35	33	36	41	47	52	53	57	58	59	61
36	33	36	41	47	49	53	57	58	59	61
37	32	36	41	44	49	53	57	58	59	60
38	32	37	39	45	50	54	57	58	60	60
39	30	35	39	45	50	54	57	58	60	59
40	28	35	39	45	50	54	56	57	59	59
41	28	35	39	45	49	52	55	55	58	57
42	27	35	39	44	49	52	54	55	56	57
43	27	34	39	44	47	50	53	53	55	55
44	26	34	38	42	47	50	52	53	54	55
45	26	33	38	42	45	48	51	51	52	53
46	24	32	37	40	43	47	49	51	52	53
47	24	30	35	39	42	45	47	49	51	53
48	23	30	35	37	40	44	47	49	50	53
49	23	29	33	35	39	42	45	48	50	53
50	21	27	32	34	37	41	44	48	50	53
51	21	26	30	34	37	41	44	48	49	51
52	20	25	30	33	37	41	44	47	48	50
53	19	24	29	32	37	41	43	47	48	48
54	18	24	29	32	37	41	43	45	47	47
55	18	23	28	32	37	41	43	45	45	45
56	18	23	28	32	36	39	42	44	44	45
57	18	23	28	31	35	38	41	42	44	44
58	17	23	26	31	35	36	38	41	41	42
59	17	23	26	30	33	35	38	39	40	41
60	17	23	26	30	32	34	36	38	39	40
61	17	22	25	29	32	33	35	36	38	80
62	16	22	25	28	30	32	34	35	80	80
63	16	20	24	28	30	32	34	80	80	80
64	14	21	24	27	29	30	80	80	80	80
65	15	19	23	25	28	72	75	75	80	80
66	15	19	23	25	72	72	75	75	80	80
67	15	19	22	72	72	72	75	75	80	80
68	13	18	68	72	72	72	75	75	80	80
69	13	64	68	72	72	72	75	75	80	80
70	60	60	64	68	68	72	75	75	80	80
71	60	60	64	68	68	72	75	75	80	80
72	60	60	64	68	68	72	75	75	80	80
73	60	60	64	68	68	72	75	75	80	80
74	60	60	64	68	68	72	75	75	80	80
75	60	60	64	68	68	72	75	75	80	80
76	60	60	64	68	68	72	75	75	80	100
77	60	60	64	68	68	72	75	75	100	100
78	60	60	64	68	68	72	75	100	100	100
79	60	60	64	68	68	72	100	100	100	100
80	60	60	64	68	68	100	100	100	100	100
81	60	60	64	68	100	100	100	100	100	100
82	60	60	64	100	100	100	100	100	100	100
83	60	60	100	100	100	100	100	100	100	100
84	60	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100
Age	11	12	13	14	15	16	17	18	19	20+
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	93	95	95	97	99	99	99	100	100	100
18	78	79	82	83	85	88	91	94	97	100
19	64	67	67	70	72	78	83	89	94	100
20	50	51	53	56	58	66	75	83	92	100
21	51	53	54	57	59	67	75	84	92	100
22	54	56	57	58	60	68	76	84	92	100
23	56	57	58	60	62	70	77	85	92	100
24	58	59	60	62	63	70	78	85	93	100
25	59	60	62	63	64	71	78	86	93	100
26	60	62	63	64	62	70	77	85	92	100
27	62	63	64	62	62	70	77	85	92	100
28	63	63	61	62	63	70	78	85	93	100
29	64	61	62	63	63	70	78	85	93	100
30	62	62	63	65	65	72	79	86	93	100
31	62	62	63	65	65	72	79	86	93	100
32	62	63	63	65	64	71	78	86	93	100
33	63	63	65	65	65	72	79	86	93	100
34	63	65	64	65	64	71	78	86	93	100
35	63	64	64	64	64	71	78	86	93	100
36	63	64	63	64	63	70	78	85	93	100
37	62	62	61	62	63	70	78	85	93	100
38	61	61	61	62	61	69	77	84	92	100
39	60	60	59	60	61	69	77	84	92	100
40	60	59	59	59	60	68	76	84	92	100
41	58	59	58	59	60	68	76	84	92	100
42	57	57	58	60	61	69	77	84	92	100
43	56	57	56	60	61	69	77	84	92	100
44	55	55	56	61	62	70	77	85	92	100
45	54	55	56	61	62	70	77	85	92	100
46	54	55	56	60	61	69	77	84	92	100
47	54	55	56	59	60	68	76	84	92	100
48	54	55	55	59	57	66	74	83	91	100
49	54	55	55	57	56	65	74	82	91	100
50	54	55	55	56	55	64	73	82	91	100
51	53	53	54	55	55	64	73	82	91	100
52	50	51	51	55	53	62	72	81	100	100
53	49	49	51	52	52	62	71	100	100	100
54	47	49	49	51	51	61	100	100	100	100
55	46	46	47	50	50	100	100	100	100	100
56	46	46	46	49	100	100	100	100	100	100
57	45	45	46	100	100	100	100	100	100	100
58	45	45	100	100	100	100	100	100	100	100
59	44	100	100	100	100	100	100	100	100	100
60	100	100	100	100	100	100	100	100	100	100
61	100	100	100	100	100	100	100	100	100	100
62	100	100	100	100	100	100	100	100	100	100
63	100	100	100	100	100	100	100	100	100	100
64	100	100	100	100	100	100	100	100	100	100
65	100	100	100	100	100	100	100	100	100	100
66	100	100	100	100	100	100	100	100	100	100
67	100	100	100	100	100	100	100	100	100	100
68	100	100	100	100	100	100	100	100	100	100
69	100	100	100	100	100	100	100	100	100	100
70	100	100	100	100	100	100	100	100	100	100
71	100	100	100	100	100	100	100	100	100	100
72	100	100	100	100	100	100	100	100	100	100
73	100	100	100	100	100	100	100	100	100	100
74	100	100	100	100	100	100	100	100	100	100
75	100	100	100	100	100	100	100	100	100	100
76	100	100	100	100	100	100	100	100	100	100
77	100	100	100	100	100	100	100	100	100	100
78	100	100	100	100	100	100	100	100	100	100
79	100	100	100	100	100	100	100	100	100	100
80	100	100	100	100	100	100	100	100	100	100
81	100	100	100	100	100	100	100	100	100	100
82	100	100	100	100	100	100	100	100	100	100
83	100	100	100	100	100	100	100	100	100	100
84	100	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100

Female, Smoker

Issue Duration

Age	1	2	3	4	5	6	7	8	9	10
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	100	100	100	100	100	100	100	100	100	100
18	99	100	100	100	100	100	100	95	96	97
19	87	89	92	92	92	92	84	84	86	86
20	74	77	80	80	80	73	73	73	75	77
21	71	74	78	78	71	71	73	74	77	79
22	68	71	75	70	71	71	73	74	78	79
23	65	69	67	70	70	70	73	77	79	81
24	62	60	64	69	70	70	74	77	79	81
25	53	58	63	67	69	70	74	78	81	82
26	53	58	63	69	71	72	75	79	82	82
27	52	56	63	70	74	74	78	81	82	84
28	52	56	64	71	75	77	79	82	85	86
29	51	56	64	71	78	78	81	84	86	88
30	51	56	64	72	79	79	82	85	88	89
31	51	56	64	72	78	81	84	84	88	84
32	51	56	64	71	78	81	85	86	84	85
33	51	57	62	71	78	82	85	83	84	85
34	51	56	62	71	78	82	81	83	85	86
35	51	56	62	71	78	79	83	84	85	86
36	49	56	62	71	74	79	83	84	85	86
37	48	55	62	67	74	79	83	84	85	86
38	47	55	57	66	72	77	81	84	86	86
39	45	50	57	66	72	77	81	83	85	86
40	41	50	57	66	72	77	81	83	84	85
41	40	50	57	65	71	76	79	81	83	84
42	40	49	57	65	69	74	77	80	82	83
43	39	49	55	63	69	73	76	78	80	82
44	39	48	55	62	67	71	75	78	80	80
45	37	47	55	61	65	70	73	76	78	80
46	36	46	53	59	63	68	71	75	77	79
47	34	44	51	57	62	66	70	75	77	80
48	34	44	50	54	60	64	69	74	77	80
49	33	42	48	53	58	63	68	74	77	81
50	31	41	46	51	57	61	67	74	77	81
51	30	39	45	51	56	61	67	74	75	80
52	29	38	45	50	56	62	68	74	75	79
53	28	37	43	49	57	62	68	73	74	77
54	28	36	43	49	57	63	69	73	74	75
55	26	35	42	49	57	63	69	73	73	74
56	26	35	42	49	56	62	67	71	72	74
57	26	35	42	49	55	61	66	69	72	73
58	28	36	43	49	55	59	63	68	69	72
59	28	36	43	49	54	57	63	67	68	70
60	28	36	43	49	53	57	61	64	67	69
61	26	35	42	48	52	56	59	63	66	80
62	26	33	41	47	51	55	58	62	80	80
63	25	33	41	46	51	55	57	80	80	80
64	25	33	40	45	50	53	80	80	80	80
65	24	32	39	44	49	72	75	75	80	80
66	24	32	39	44	72	72	75	75	80	80
67	24	32	39	72	72	72	75	75	80	80
68	24	32	68	72	72	72	75	75	80	80
69	24	64	68	72	72	72	75	75	80	80
70	60	60	64	68	68	72	75	75	80	80
71	60	60	64	68	68	72	75	75	80	80
72	60	60	64	68	68	72	75	75	80	80
73	60	60	64	68	68	72	75	75	80	80
74	60	60	64	68	68	72	75	75	80	80
75	60	60	64	68	68	72	75	75	80	80
76	60	60	64	68	68	72	75	75	80	100
77	60	60	64	68	68	72	75	75	100	100
78	60	60	64	68	68	72	75	100	100	100
79	60	60	64	68	68	72	100	100	100	100
80	60	60	64	68	68	100	100	100	100	100
81	60	60	64	68	100	100	100	100	100	100
82	60	60	64	100	100	100	100	100	100	100
83	60	60	100	100	100	100	100	100	100	100
84	60	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100
Age	11	12	13	14	15	16	17	18	19	20+
0-15	100	100	100	100	100	100	100	100	100	100
16	100	100	100	100	100	100	100	100	100	100
17	100	100	100	100	100	100	100	100	100	100
18	100	100	100	100	100	100	100	100	100	100
19	92	93	95	96	99	99	99	100	100	100
20	83	83	86	88	90	92	94	96	98	100
21	85	86	88	89	90	92	94	96	98	100
22	88	90	89	89	92	94	95	97	98	100
23	89	90	90	92	92	94	95	97	98	100
24	92	90	92	93	93	94	96	97	99	100
25	92	93	93	95	95	96	97	98	99	100
26	93	93	95	96	90	92	94	96	98	100
27	93	95	95	90	90	92	94	96	98	100
28	95	95	90	92	92	94	95	97	98	100
29	95	90	90	92	92	94	95	97	98	100
30	90	90	92	93	93	94	96	97	99	100
31	90	90	92	93	93	94	96	97	99	100
32	90	90	92	94	93	94	96	97	99	100
33	90	92	93	93	93	94	96	97	99	100
34	90	92	92	94	93	94	96	97	99	100
35	90	91	91	93	93	94	96	97	99	100
36	90	90	91	93	92	94	95	97	98	100
37	89	90	89	92	91	93	95	96	98	100
38	87	88	88	90	91	93	95	96	98	100
39	86	87	86	89	90	92	94	96	98	100
40	86	86	86	89	89	91	93	96	98	100
41	85	86	85	89	90	92	94	96	98	100
42	84	85	86	90	92	94	95	97	98	100
43	83	84	85	92	93	94	96	97	99	100
44	82	84	86	93	96	97	98	98	99	100
45	81	84	86	94	97	98	98	99	99	100
46	83	85	86	93	96	97	98	98	99	100
47	83	85	86	93	94	95	96	98	99	100
48	84	86	87	92	92	94	95	97	98	100
49	84	86	87	92	91	93	95	96	98	100
50	85	87	87	91	90	92	94	96	98	100
51	83	85	85	90	90	92	94	96	98	100
52	81	83	84	90	90	92	94	96	100	100
53	79	81	83	89	89	91	93	100	100	100
54	78	80	81	87	89	91	100	100	100	100
55	76	78	79	86	87	100	100	100	100	100
56	76	78	79	85	100	100	100	100	100	100
57	76	78	79	100	100	100	100	100	100	100
58	76	78	100	100	100	100	100	100	100	100
59	76	100	100	100	100	100	100	100	100	100
60	100	100	100	100	100	100	100	100	100	100
61	100	100	100	100	100	100	100	100	100	100
62	100	100	100	100	100	100	100	100	100	100
63	100	100	100	100	100	100	100	100	100	100
64	100	100	100	100	100	100	100	100	100	100
65	100	100	100	100	100	100	100	100	100	100
66	100	100	100	100	100	100	100	100	100	100
67	100	100	100	100	100	100	100	100	100	100
68	100	100	100	100	100	100	100	100	100	100
69	100	100	100	100	100	100	100	100	100	100
70	100	100	100	100	100	100	100	100	100	100
71	100	100	100	100	100	100	100	100	100	100
72	100	100	100	100	100	100	100	100	100	100
73	100	100	100	100	100	100	100	100	100	100
74	100	100	100	100	100	100	100	100	100	100
75	100	100	100	100	100	100	100	100	100	100
76	100	100	100	100	100	100	100	100	100	100
77	100	100	100	100	100	100	100	100	100	100
78	100	100	100	100	100	100	100	100	100	100
79	100	100	100	100	100	100	100	100	100	100
80	100	100	100	100	100	100	100	100	100	100
81	100	100	100	100	100	100	100	100	100	100
82	100	100	100	100	100	100	100	100	100	100
83	100	100	100	100	100	100	100	100	100	100
84	100	100	100	100	100	100	100	100	100	100
85+	100	100	100	100	100	100	100	100	100	100

D.C. Mun. Regs. tit. 26, r. 26-A3004

Final Rulemaking published at 47 DCR 2914 (April 28, 2000)