16

TABLE 16-2 Cost of Insurance for $1,000 Ordinary Life Policy Issued at Age 35; 1980 CSO Male Table and 4.5 Percent Interest Net Level Premium Reserves
(1) Policy Year	(2) Attained Age at Beginning of Policy Year	(3) 1980 CSO Male Mortality Rate	(4) Amount at Risk during Year ($1,000 � Reserve)	(5) Cost of Insurance (3) x (4)
1 2 3 4 5	35 36 37 38 39	0.00211 0.00224 0.00240 0.00258 0.00279	$989.96 979.58 968.86 957.80 946.42	$ 2.09 2.19 2.33 2.47 2.64
6 7 8 9 10	40 41 42 43 44	0.00302 0.00329 0.00356 0.00387 0.00419	934.70 922.67 910.31 897.62 884.59	2.82 3.04 3.24 3.47 3.71
11 12 13 14 15	45 46 47 48 49	0.00455 0.00492 0.00532 0.00574 0.00621	871.23 857.53 843.48 829.07 814.31	3.96 4.22 4.49 4.76 5.06
16 17 18 19 20	50 51 52 53 54	0.00671 0.00730 0.00796 0.00871 0.00956	799.19 783.75 768.00 751.99 735.73	5.36 5.72 6.11 6.55 7.03
21 22 23 24 25	55 56 57 58 59	0.01047 0.01146 0.01249 0.01359 0.01477	719.25 702.54 685.59 668.40 650.96	7.53 8.05 8.56 9.08 9.61
26 27 28 29 30	60 61 62 63 64	0.01608 0.01754 0.01919 0.02106 0.02314	633.31 615.48 597.52 579.48 561.42	10.18 10.80 11.47 12.20 12.99
31 32 33 34 35	65 66 67 68 69	0.02542 0.02785 0.03044 0.03319 0.03617	543.37 525.33 507.28 489.22 471.15	13.81 14.63 15.44 16.24 17.04

TABLE 16-2 (Continued) Cost of Insurance for $1,000 Ordinary Life Policy Issued at Age 35; 1980 CSO Male Table and 4.5 Percent Interest Net Level Premium Reserves
(1) Policy Year	(2) Attained Age at Beginning of Policy Year	(3) 1980 CSO Male Mortality Rate	(4) Amount at Risk during Year ($1,000 � Reserve)	(5) Cost of Insurance (3) x (4)
36 37 38 39 40	70 71 72 73 74	0.03951 0.04330 0.04765 0.05264 0.05819	$453.13 435.24 417.60 400.34 383.55	$ 17.90 18.85 19.90 21.07 22.32
41 42 43 44 45	75 76 77 78 79	0.06419 0.07053 0.07712 0.08390 0.09105	367.25 351.44 336.04 320.97 306.16	23.57 24.79 25.92 26.93 27.88

46 47 48 49 50	80 81 82 83 84	0.09884 0.10748 0.11725 0.12826 0.14025	291.64 277.46 263.74 250.63 238.18	28.83 29.82 30.92 32.15 33.40

51 52 53 54 55	85 86 87 88 89	0.15295 0.16609 0.17955 0.19327 0.20729	226.40 215.21 204.48 194.06 183.76	34.63 35.74 36.71 37.51 38.09
51 52 53 54 55	85 86 87 88 89	0.15295 0.16609 0.17955 0.19327 0.20729	226.40 215.21 204.48 194.06 183.76	34.63 35.74 36.71 37.51 38.09
61 62 63 64 65	95 96 97 98 99	0.32996 0.38455 0.48020 0.65798 1.00000	108.30 91.06 73.16 56.51 0.00	35.73 35.02 35.13 37.18 0.00