what does adj co mkt/uw mean? Manual Rate - Adjustments to Industry Demographic Factors Industry Mortality adj co length rate total Data Trend mkt/uw Ind factor reg factor lifestyle guar manual 15-19 0.035 1 1.000 0.035 20-24 0.0525 1 1.000 0.053 25-29 0.06 1.000 0.060 30-34 0.08 1.000 0.080 35-39 0.09 1.000 0.090 40-44 0.1 1.000 0.100 PPPPPPPPPPPP 45-49 0.15 1.000 0.150 PPPPPPPPPP 50-54 0.25 1.000 0.250 55-59 0.425 1.000 0.425 60-64 0.65 1.000 0.650 65-69 1.25 1.000 1.250 70+ 2.05 1.000 2.050