# Title 45 — Insurance, Commissioner of

## Article 45-04 — Life Insurance

## Chapter 45-04-07 — Mixed-Gender Mortality Tables

### § 45-04-07-01. Definitions.

As used in this chapter:
1. "1980 CET 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 national association of insurance commissioners' amendments to the model standard
valuation law and standard nonforfeiture law for life insurance, and referred to in those models
as the commissioners' 1980 extended term insurance table.
2. "1980 CET Table (F)" means that mortality table consisting of the rates of mortality for female
lives from the 1980 CET Table.
3. "1980 CET Table (M)" means that mortality table consisting of the rates of mortality for male
lives from the 1980 CET Table.
4. "1980 CSO Table, with or without ten-year select mortality factors" 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' 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-year select mortality factors.
5. "1980 CSO Table (F), with or without ten-year select mortality factors" means that mortality
table consisting of the rates of mortality for female lives from the 1980 CSO Table, with or
without ten-year select mortality factors.
6. "1980 CSO Table (M), with or without ten-year select mortality factors" means that mortality
table consisting of the rates of mortality for male lives from the 1980 CSO Table, with or
without ten-year select mortality factors.
7. "1980 CSO and CET Smoker and Nonsmoker Mortality Tables" means the mortality tables
with separate rates of mortality for smokers and nonsmokers derived from the 1980 CSO and
1980 CET Mortality Tables by the society of actuaries task force on smoker/nonsmoker
mortality and adopted by the national association of insurance commissioners in
December 1983. (Subsection 7 added by the national association of insurance
commissioners, December 1986).
History: Effective February 1, 1985; amended effective October 1, 1989.
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-33

### § 45-04-07-02. Tables.

1. For any policy of insurance on the life of either a male or female insured delivered or issued
for delivery in this state and after the operative date of subsection 11 of North Dakota Century
Code section 26.1-33-25 for that policy form:
a. A mortality table which is a blend of the 1980 CSO Table (M) and the 1980 CSO Table (F)
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
b. A mortality table which is of the same blend as used in (i) but applied to form a blend of
the 1980 CET Table (M) and the 1980 CET Table (F) may, at the option of the company,
be substituted for the 1980 CET Table,
for use in determining minimum cash surrender values and amounts of paid-up nonforfeiture
benefits.
2. The following tables will be considered as the basis for acceptable tables:
a. 100% Male 0% Female for tables to be designated as the "1980 CSO-A" and "1980
CET-A" Tables.
b. 80% Male 20% Female for tables to be designated as the "1980 CSO-B" and "1980
CET-B" Tables.
c. 60% Male 40% Female for tables to be designated as the "1980 CSO-C" and "1980
CET-C" Tables.
d. 50% Male 50% Female for tables to be designated as the "1980 CSO-D" and "1980
CET-D" Tables.
e. 40% Male 60% Female for tables to be designated as the "1980 CSO-E" and "1980
CET-E" Tables.
f. 20% Male and 80% Female for tables to be designated as the "1980 CSO-F" and"1980
CET-F" Tables.
g. 0% Male 100% Female for tables to be designated as the "1980 CSO-G" and "1980
CET-G" Tables.
Tables A and G are not to be used with respect to policies issued on or after January 1, 1985,
except where the proportion of persons insured is anticipated to be ninety percent, or more of
one sex or the other except for certain policies converted from group insurance. Such group
conversions issued on or after January 1, 1986, must use mortality tables based on the blend
of lives by sex expected for such policies if such group conversions are considered as
extensions of the Norrisdecision. This consideration has not been clearly defined by court or
legislative action in all jurisdictions. The values of 10000qx for blended tables B, C, D, E, and
F are shown in Appendix I. The letter in Appendix II states the method by which selection
factors may be obtained. Table A is the same as 1980 CSO Table (M) and 1980 CET Table (M)
and Table G is the same as 1980 CSO Table (F) and 1980 CET Table (F).
3. Alternate rule. 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 subsection 11 of North Dakota Century
Code section 26.1-33-24 for that policy form, in addition to the mortality tables that may be
used according to this section:

a. 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 Nonsmoker 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
b. A mortality table which is of the same blend as used in subdivision a of this subsection
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 CET 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:
SA: 100% Male 0% Female smoker tables designated as "1980 CSO-SA" and "1980
CET-SA" Tables.
SB: 80% Male 20% Female smoker tables designated as "1980 CSO-SB" and "1980
CET-SB" Tables.
SC: 60% Male 40% Female smoker tables designated as "1980 CSO-SC" and "1980
CET-SC" Tables.
SD: 50% Male 50% Female smoker tables designated as "1980 CSO-SD" and "1980
CET-SD" Tables.
SE: 40% Male 60% Female smoker tables designated as "1980 CSO-SE" and "1980
CET-SE" Tables.
SF: 20% Male 80% Female smoker tables designated as "1980 CSO-SF" and "1980
CET-SF" Tables.
SG: 0% Male 100% Female smoker tables designated as "1980 CSO-SG" and "1980
CET-SG" Tables.
NA: 100% Male 0% Female nonsmoker tables designated as "1980 CSO-NA" and "1980
CET-NA" Tables.
NB: 80% Male 20% Female nonsmoker tables designated as "1980 CSO-NB" and "1980
CET-NB" Tables.
NC: 60% Male 40% Female nonsmoker tables designated as "1980 CSO-NC" and "1980
CET-NC" Tables.
ND: 50% Male 50% Female nonsmoker tables designated as "1980 CSO-ND" and "1980
CET-ND" Tables.
NE: 40% Male 60% Female nonsmoker tables designated as "1980 CSO-NE" and "1980
CET-NE" Tables.
NF: 20% Male 80% Female nonsmoker tables designated as "1980 CSO-NF" and "1980
CET-NF" Tables.
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 ninety percent or more of one sex or the other.

History: Effective February 1, 1985; amended effective October 1, 1989.
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-33
### § 45-04-07-03. Unfair discrimination.

It is not a violation of North Dakota Century Code section 26.1-04-03 for an insurer to issue the
same kind of policy of life insurance on both a sex-distinct and sex-neutral basis.
History: Effective February 1, 1985.
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-33
### § 45-04-07-04. Separability.

If any provision of this chapter or the application thereof to any person or circumstance is for any
reason held to be invalid, the remainder of the chapter and the application of such provision to other
persons or circumstances is not affected thereby.
History: Effective February 1, 1985.
General Authority: NDCC 28-32-02
Law Implemented: NDCC 26.1-33
### § 45-04-07-05. Retroactive effective date.

The effective date of this chapter is August 1, 1983, to comply with the Norris decision (Norris v.
Arizona Governing Committee).
History: Effective February 1, 1985.










