{"data":{"id":"us-va/14vac5-319-70","jurisdiction":"us-va","citation":"14VAC5-319-70","heading":"Twenty-year select mortality factors","body":"The six tables of select mortality factors in this section include: (i) male aggregate, (ii) male nonsmoker, (iii) male smoker, (iv) female aggregate, (v) female nonsmoker, and (vi) female smoker.\n\nThese tables apply to both age last birthday and age nearest birthday mortality tables.\n\nFor 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 80% of the appropriate male table in this list, plus 20% of the appropriate female table in this list.\n\nTWENTY-YEAR SELECT MORTALITY FACTORS.\n\nMale, 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Nonsmoker\n\nIssue\n\nDuration\n\nAge\n\n1\n\n2\n\n3\n\n4\n\n5\n\n6\n\n7\n\n8\n\n9\n\n10\n\n11\n\n12\n\n13\n\n14\n\n15\n\n16\n\n17\n\n18\n\n19\n\n20+\n\n0-15\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n16\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n100\n\n17\n\n96\n\n98\n\n98\n\n98\n\n98\n\n99\n\n99\n\n99\n\n92\n\n92\n\n93\n\n95\n\n95\n\n97\n\n99\n\n99\n\n99\n\n100\n\n100\n\n100\n\n18\n\n78\n\n80\n\n80\n\n80\n\n80\n\n81\n\n81\n\n74\n\n75\n\n75\n\n78\n\n79\n\n82\n\n83\n\n85\n\n88\n\n91\n\n94\n\n97\n\n100\n\n19\n\n60\n\n62\n\n63\n\n63\n\n63\n\n65\n\n59\n\n59\n\n60\n\n60\n\n64\n\n67\n\n67\n\n70\n\n72\n\n78\n\n83\n\n89\n\n94\n\n100\n\n20\n\n42\n\n44\n\n45\n\n45\n\n45\n\n42\n\n42\n\n42\n\n45\n\n45\n\n50\n\n51\n\n53\n\n56\n\n58\n\n66\n\n75\n\n83\n\n92\n\n100\n\n21\n\n41\n\n42\n\n44\n\n45\n\n41\n\n42\n\n42\n\n44\n\n47\n\n47\n\n51\n\n53\n\n54\n\n57\n\n59\n\n67\n\n75\n\n84\n\n92\n\n100\n\n22\n\n39\n\n41\n\n44\n\n41\n\n41\n\n42\n\n44\n\n45\n\n49\n\n49\n\n54\n\n56\n\n57\n\n58\n\n60\n\n68\n\n76\n\n84\n\n92\n\n100\n\n23\n\n38\n\n41\n\n38\n\n40\n\n41\n\n42\n\n44\n\n46\n\n49\n\n50\n\n56\n\n57\n\n58\n\n60\n\n62\n\n70\n\n77\n\n85\n\n92\n\n100\n\n24\n\n36\n\n36\n\n38\n\n40\n\n41\n\n42\n\n46\n\n47\n\n50\n\n51\n\n58\n\n59\n\n60\n\n62\n\n63\n\n70\n\n78\n\n85\n\n93\n\n100\n\n25\n\n32\n\n34\n\n37\n\n40\n\n41\n\n43\n\n46\n\n49\n\n51\n\n53\n\n59\n\n60\n\n62\n\n63\n\n64\n\n71\n\n78\n\n86\n\n93\n\n100\n\n26\n\n32\n\n34\n\n37\n\n41\n\n43\n\n45\n\n47\n\n50\n\n53\n\n53\n\n60\n\n62\n\n63\n\n64\n\n62\n\n70\n\n77\n\n85\n\n92\n\n100\n\n27\n\n32\n\n34\n\n38\n\n43\n\n46\n\n47\n\n49\n\n51\n\n53\n\n55\n\n62\n\n63\n\n64\n\n62\n\n62\n\n70\n\n77\n\n85\n\n92\n\n100\n\n28\n\n30\n\n34\n\n39\n\n43\n\n47\n\n49\n\n51\n\n53\n\n56\n\n58\n\n63\n\n63\n\n61\n\n62\n\n63\n\n70\n\n78\n\n85\n\n93\n\n100\n\n29\n\n30\n\n35\n\n40\n\n45\n\n50\n\n51\n\n52\n\n55\n\n58\n\n59\n\n64\n\n61\n\n62\n\n63\n\n63\n\n70\n\n78\n\n85\n\n93\n\n100\n\n30\n\n31\n\n35\n\n40\n\n46\n\n51\n\n52\n\n53\n\n56\n\n59\n\n60\n\n62\n\n62\n\n63\n\n65\n\n65\n\n72\n\n79\n\n86\n\n93\n\n100\n\n31\n\n31\n\n35\n\n40\n\n46\n\n51\n\n53\n\n55\n\n58\n\n60\n\n58\n\n62\n\n62\n\n63\n\n65\n\n65\n\n72\n\n79\n\n86\n\n93\n\n100\n\n32\n\n32\n\n35\n\n40\n\n45\n\n51\n\n53\n\n56\n\n59\n\n57\n\n58\n\n62\n\n63\n\n63\n\n65\n\n64\n\n71\n\n78\n\n86\n\n93\n\n100\n\n33\n\n32\n\n36\n\n41\n\n47\n\n52\n\n55\n\n58\n\n55\n\n58\n\n59\n\n63\n\n63\n\n65\n\n65\n\n65\n\n72\n\n79\n\n86\n\n93\n\n100\n\n34\n\n33\n\n36\n\n41\n\n47\n\n52\n\n55\n\n55\n\n57\n\n58\n\n59\n\n63\n\n65\n\n64\n\n65\n\n64\n\n71\n\n78\n\n86\n\n93\n\n100\n\n35\n\n33\n\n36\n\n41\n\n47\n\n52\n\n53\n\n57\n\n58\n\n59\n\n61\n\n63\n\n64\n\n64\n\n64\n\n64\n\n71\n\n78\n\n86\n\n93\n\n100\n\n36\n\n33\n\n36\n\n41\n\n47\n\n49\n\n53\n\n57\n\n58\n\n59\n\n61\n\n63\n\n64\n\n63\n\n64\n\n63\n\n70\n\n78\n\n85\n\n93\n\n100\n\n37\n\n32\n\n36\n\n41\n\n44\n\n49\n\n53\n\n57\n\n58\n\n59\n\n60\n\n62\n\n62\n\n61\n\n62\n\n63\n\n70\n\n78\n\n85\n\n93\n\n100\n\n38\n\n32\n\n37\n\n39\n\n45\n\n50\n\n54\n\n57\n\n58\n\n60\n\n60\n\n61\n\n61\n\n61\n\n62\n\n61\n\n69\n\n77\n\n84\n\n92\n\n100\n\n39\n\n30\n\n35\n\n39\n\n45\n\n50\n\n54\n\n57\n\n58\n\n60\n\n59\n\n60\n\n60\n\n59\n\n60\n\n61\n\n69\n\n77\n\n84\n\n92\n\n100\n\n40\n\n28\n\n35\n\n39\n\n45\n\n50\n\n54\n\n56\n\n57\n\n59\n\n59\n\n60\n\n59\n\n59\n\n59\n\n60\n\n68\n\n76\n\n84\n\n92\n\n100\n\n41\n\n28\n\n35\n\n39\n\n45\n\n49\n\n52\n\n55\n\n55\n\n58\n\n57\n\n58\n\n59\n\n58\n\n59\n\n60\n\n68\n\n76\n\n84\n\n92\n\n100\n\n42\n\n27\n\n35\n\n39\n\n44\n\n49\n\n52\n\n54\n\n55\n\n56\n\n57\n\n57\n\n57\n\n58\n\n60\n\n61\n\n69\n\n77\n\n84\n\n92\n\n100\n\n43\n\n27\n\n34\n\n39\n\n44\n\n47\n\n50\n\n53\n\n53\n\n55\n\n55\n\n56\n\n57\n\n56\n\n60\n\n61\n\n69\n\n77\n\n84\n\n92\n\n100\n\n44\n\n26\n\n34\n\n38\n\n42\n\n47\n\n50\n\n52\n\n53\n\n54\n\n55\n\n55\n\n55\n\n56\n\n61\n\n62\n\n70\n\n77\n\n85\n\n92\n\n100\n\n45\n\n26\n\n33\n\n38\n\n42\n\n45\n\n48\n\n51\n\n51\n\n52\n\n53\n\n54\n\n55\n\n56\n\n61\n\n62\n\n70\n\n77\n\n85\n\n92\n\n100\n\n46     24   32   37   40   43   47   49   51   52   53   54   55   56   60   61   69   77   84   92  100\n\n47     24   30   35   39   42   45   47   49   51   53   54   55   56   59   60   68   76   84   92  100\n\n48     23   30   35   37   40   44   47   49   50   53   54   55   55   59   57   66   74   83   91  100\n\n49     23   29   33   35   39   42   45   48   50   53   54   55   55   57   56   65   74   82   91  100\n\n50     21   27   32   34   37   41   44   48   50   53   54   55   55   56   55   64   73   82   91  100\n\n51     21   26   30   34   37   41   44   48   49   51   53   53   54   55   55   64   73   82   91  100\n\n52     20   25   30   33   37   41   44   47   48   50   50   51   51   55   53   62   72   81  100  100\n\n53     19   24   29   32   37   41   43   47   48   48   49   49   51   52   52   62   71  100  100  100\n\n54     18   24   29   32   37   41   43   45   47   47   47   49   49   51   51   61  100  100  100  100\n\n55     18   23   28   32   37   41   43   45   45   45   46   46   47   50   50  100  100  100  100  100\n\n56     18   23   28   32   36   39   42   44   44   45   46   46   46   49  100  100  100  100  100  100\n\n57     18   23   28   31   35   38   41   42   44   44   45   45   46  100  100  100  100  100  100  100\n\n58     17   23   26   31   35   36   38   41   41   42   45   45  100  100  100  100  100  100  100  100\n\n59     17   23   26   30   33   35   38   39   40   41   44  100  100  100  100  100  100  100  100  100\n\n60     17   23   26   30   32   34   36   38   39   40  100  100  100  100  100  100  100  100  100  100\n\n61     17   22   25   29   32   33   35   36   38   80  100  100  100  100  100  100  100  100  100  100\n\n62     16   22   25   28   30   32   34   35   80   80  100  100  100  100  100  100  100  100  100  100\n\n63     16   20   24   28   30   32   34   80   80   80  100  100  100  100  100  100  100  100  100  100\n\n64     14   21   24   27   29   30   80   80   80   80  100  100  100  100  100  100  100  100  100  100\n\n65     15   19   23   25   28   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n66     15   19   23   25   72   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n67     15   19   22   72   72   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n68     13   18   68   72   72   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n69     13   64   68   72   72   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n70     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n71     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n72     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n73     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n74     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n75     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n76     60   60   64   68   68   72   75   75   80  100  100  100  100  100  100  100  100  100  100  100\n\n77     60   60   64   68   68   72   75   75  100  100  100  100  100  100  100  100  100  100  100  100\n\n78     60   60   64   68   68   72   75  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n79     60   60   64   68   68   72  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n80     60   60   64   68   68  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n81     60   60   64   68  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n82     60   60   64  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n83     60   60  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n84     60  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n85+   100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n---------------------------------------------------------------------------------------------------------\n\nFemale, Smoker\n\n---------------------------------------------------------------------------------------------------------\n\nIssue                                                Duration\n\nAge    1    2    3    4    5    6    7    8    9    10   11   12   13   14   15   16   17   18   19  20+\n\n---------------------------------------------------------------------------------------------------------\n\n0-15   100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n16    100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n17    100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n18     99  100  100  100  100  100  100   95   96   97  100  100  100  100  100  100  100  100  100  100\n\n19     87   89   92   92   92   92   84   84   86   86   92   93   95   96   99   99   99  100  100  100\n\n20     74   77   80   80   80   73   73   73   75   77   83   83   86   88   90   92   94   96   98  100\n\n21     71   74   78   78   71   71   73   74   77   79   85   86   88   89   90   92   94   96   98  100\n\n22     68   71   75   70   71   71   73   74   78   79   88   90   89   89   92   94   95   97   98  100\n\n23     65   69   67   70   70   70   73   77   79   81   89   90   90   92   92   94   95   97   98  100\n\n24     62   60   64   69   70   70   74   77   79   81   92   90   92   93   93   94   96   97   99  100\n\n25     53   58   63   67   69   70   74   78   81   82   92   93   93   95   95   96   97   98   99  100\n\n26     53   58   63   69   71   72   75   79   82   82   93   93   95   96   90   92   94   96   98  100\n\n27     52   56   63   70   74   74   78   81   82   84   93   95   95   90   90   92   94   96   98  100\n\n28     52   56   64   71   75   77   79   82   85   86   95   95   90   92   92   94   95   97   98  100\n\n29     51   56   64   71   78   78   81   84   86   88   95   90   90   92   92   94   95   97   98  100\n\n30     51   56   64   72   79   79   82   85   88   89   90   90   92   93   93   94   96   97   99  100\n\n31     51   56   64   72   78   81   84   84   88   84   90   90   92   93   93   94   96   97   99  100\n\n32     51   56   64   71   78   81   85   86   84   85   90   90   92   94   93   94   96   97   99  100\n\n33     51   57   62   71   78   82   85   83   84   85   90   92   93   93   93   94   96   97   99  100\n\n34     51   56   62   71   78   82   81   83   85   86   90   92   92   94   93   94   96   97   99  100\n\n35     51   56   62   71   78   79   83   84   85   86   90   91   91   93   93   94   96   97   99  100\n\n36     49   56   62   71   74   79   83   84   85   86   90   90   91   93   92   94   95   97   98  100\n\n37     48   55   62   67   74   79   83   84   85   86   89   90   89   92   91   93   95   96   98  100\n\n38     47   55   57   66   72   77   81   84   86   86   87   88   88   90   91   93   95   96   98  100\n\n39     45   50   57   66   72   77   81   83   85   86   86   87   86   89   90   92   94   96   98  100\n\n40     41   50   57   66   72   77   81   83   84   85   86   86   86   89   89   91   93   96   98  100\n\n41     40   50   57   65   71   76   79   81   83   84   85   86   85   89   90   92   94   96   98  100\n\n42     40   49   57   65   69   74   77   80   82   83   84   85   86   90   92   94   95   97   98  100\n\n43     39   49   55   63   69   73   76   78   80   82   83   84   85   92   93   94   96   97   99  100\n\n44     39   48   55   62   67   71   75   78   80   80   82   84   86   93   96   97   98   98   99  100\n\n45     37   47   55   61   65   70   73   76   78   80   81   84   86   94   97   98   98   99   99  100\n\n46     36   46   53   59   63   68   71   75   77   79   83   85   86   93   96   97   98   98   99  100\n\n47     34   44   51   57   62   66   70   75   77   80   83   85   86   93   94   95   96   98   99  100\n\n48     34   44   50   54   60   64   69   74   77   80   84   86   87   92   92   94   95   97   98  100\n\n49     33   42   48   53   58   63   68   74   77   81   84   86   87   92   91   93   95   96   98  100\n\n50     31   41   46   51   57   61   67   74   77   81   85   87   87   91   90   92   94   96   98  100\n\n51     30   39   45   51   56   61   67   74   75   80   83   85   85   90   90   92   94   96   98  100\n\n52     29   38   45   50   56   62   68   74   75   79   81   83   84   90   90   92   94   96  100  100\n\n53     28   37   43   49   57   62   68   73   74   77   79   81   83   89   89   91   93  100  100  100\n\n54     28   36   43   49   57   63   69   73   74   75   78   80   81   87   89   91  100  100  100  100\n\n55     26   35   42   49   57   63   69   73   73   74   76   78   79   86   87  100  100  100  100  100\n\n56     26   35   42   49   56   62   67   71   72   74   76   78   79   85  100  100  100  100  100  100\n\n57     26   35   42   49   55   61   66   69   72   73   76   78   79  100  100  100  100  100  100  100\n\n58     28   36   43   49   55   59   63   68   69   72   76   78  100  100  100  100  100  100  100  100\n\n59     28   36   43   49   54   57   63   67   68   70   76  100  100  100  100  100  100  100  100  100\n\n60     28   36   43   49   53   57   61   64   67   69  100  100  100  100  100  100  100  100  100  100\n\n61     26   35   42   48   52   56   59   63   66   80  100  100  100  100  100  100  100  100  100  100\n\n62     26   33   41   47   51   55   58   62   80   80  100  100  100  100  100  100  100  100  100  100\n\n63     25   33   41   46   51   55   57   80   80   80  100  100  100  100  100  100  100  100  100  100\n\n64     25   33   40   45   50   53   80   80   80   80  100  100  100  100  100  100  100  100  100  100\n\n65     24   32   39   44   49   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n66     24   32   39   44   72   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n67     24   32   39   72   72   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n68     24   32   68   72   72   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n69     24   64   68   72   72   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n70     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n71     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n72     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n73     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n74     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n75     60   60   64   68   68   72   75   75   80   80  100  100  100  100  100  100  100  100  100  100\n\n76     60   60   64   68   68   72   75   75   80  100  100  100  100  100  100  100  100  100  100  100\n\n77     60   60   64   68   68   72   75   75  100  100  100  100  100  100  100  100  100  100  100  100\n\n78     60   60   64   68   68   72   75  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n79     60   60   64   68   68   72  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n80     60   60   64   68   68  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n81     60   60   64   68  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n82     60   60   64  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n83     60   60  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n84     60  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n85+   100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100  100\n\n---------------------------------------------------------------------------------------------------------","path":["Title 14. Insurance","Agency 5. State Corporation Commission, Bureau of Insurance","Chapter 319. Life Insurance Reserves"],"source_url":"https://law.lis.virginia.gov/admincode/title14/agency5/chapter319/section70/","current_through":"2026 Regular Session (effective July 1, 2026)","vintage":"","retrieved_at":"2026-09-14T04:51:58Z","sha256":"bea8c2da3653a4a447fcb87e6eaff7bb7ff29ce514c15d4cf1e987d92fc40980","source_id":"us-va-vac","stale":false,"prev":"us-va/14vac5-319-60","next":"us-va/14vac5-319-80"},"notice":"GroundRules: Original legal text. Not legal advice."}