2017 CSO Smoker-Distinct • Actual Age • 2025 NFF
Use actual age/age last birthday. Tobacco means any tobacco use in the last 12 months.
Enter the case details and hit calculate.
| MBD | Annual ÷ 12 |
|---|---|
| Monthly Direct | Annual × .09 |
| Quarterly | Annual ÷ 4 |
| Rounding | Always round high to next cent |
Policy fee is not included here. Only add fees separately when selling A71 or cancer coverage.
This section has its own client/policy info and does not pull from the main calculator above. Enter the client's age, sex, tobacco status, product, current premium, and current coverage here.
Click calculate to display all three options, including projected cash value at age 65 (or age 75 if already 65+), for the agent to go over with the client.