What you need to know: New mortality tables and Principle-Based Reserves (PBR) requirements

Beginning January 1, 2020, any new life products issued must use the 2017 Commissioners Standard Ordinary (CSO) Table.

To recognize changes in population life expectancy, life insurance regulation requires an update of the standard mortality table used to calculate minimum cash values and death benefit requirements. These mortality table updates along with new principle-based reserving requirements apply to all life insurance carriers.  Learn More