Competitive Intelligence Guide: Senior Hospital …...+ Competitive Intelligence Guide: Senior...

+ Competitive Intelligence Guide: Senior Hospital Indemnity Insurance 4th Quarter 2010 Prepared January 24, 2011 by: Brynn Korolchuk

CSG Actuarial, LLC | 807 North 50th Street | Omaha, NE 68132 402.502.7747 | [email protected] | www.csgactuarial.com

mailto:[email protected]

© 2011 CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of “Competitive

Intelligence Guide: Hospital Indemnity Q4 2010” may not be shared outside the buyer’s firm without permission from CSG

Actuarial, LLC.

www.CSGActuarial.com

TABLE OF CONTENTS Section Exhibit Page

Introduction 2 Company Data

Overview 3 Company Data Table: Exhibit A 4

Product Benefit Comparisons Overview Product Benefit Table: Underwriting Comparisons

Exhibit B

5

6

Overview 8 Underwriting Table: Exhibit C 9

Premium Rate Comparisons

Overview 30 Premium Rate Tables: Exhibit D-1 31

Exhibit D-2 32 Exhibit D-3 33 Exhibit D-4 34 Exhibit D-5 35 Exhibit D-6 38

Exhibit D-7 Exhibit D-8 Exhibit D-9 Exhibit D-10 Exhibit D-11 Exhibit D-12

39 40 41 42 43 44



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INTRODUCTION CSG Actuarial, LLC (“CSG”) has prepared this edition of “Competitive Intelligence Guide: Senior Hospital Indemnity Insurance” to provide our clients with a comprehensive overview of the Senior Hospital Indemnity marketplace. The guide contains information on the major companies actively marketing Senior Hospital Indemnity insurance, including company information, product benefit comparisons, underwriting data, and premium rate comparisons. This report is a summary of our comprehensive Senior Hospital Indemnity database that includes detailed information on premium rates, benefits, and underwriting data. The healthcare market is evolving into a consumer driven arena, with supplemental plans becoming more prevalent. Competition is fierce among carriers as consumers gain more decision making power in election of benefits, including health insurance policies. Life and Health carriers have been focused on developing enhancements in the form of ancillary policies to supplement the consumers’ primary health insurance policy. Senior Hospital Indemnity Plans provide timely cash reimbursement for veritably any non-occupational unexpected healthcare cost incurred. Due to an aging senior population the Senior Hospital Indemnity business is poised for substantial growth. Having timely competitive intelligence can be a valuable tool in an increasingly competitive insurance market. The benefits of this report include shortening the product development timeline, identifying competitive advantages/disadvantages, and reducing marketing research costs. The report is entirely self-contained so that the user can conveniently access the information needed to make actionable decisions regarding their business. The information provided has been obtained from public sources and every attempt has been made to verify the accuracy of the data. However, CSG does not guarantee or warrant the accuracy of the information provided in this report. The report is updated quarterly so that the information is always up to date and still relevant. CSG is an actuarial consulting firm located in Omaha, Nebraska that specializes in the individual life and health insurance markets. Please feel free to contact us if you have any questions about this report or suggestions to improve and enhance the content provided.



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COMPANY DATA The attached Exhibit A provides information on each company represented in CSG’s Senior Hospital Indemnity competitive database. This includes contact information, AM Best ratings, and corporate structure. The user may find this information beneficial in evaluating the quality of the company relative to the specific product and rate information provided in the other sections of this report. This information was obtained from company websites and other public sources and may have changed since this report was compiled.

INSURANCE COMPANY CONTACT INFORMATION

TYPE OF COMPANY

(STOCK/MUTUAL/FRATERN

AL) HOLDING COMPANY

FINANCIALS - AM

BEST RATING

FINANCIALS -

OUTLOOK

B+ Negative

A- Negative

B+ Negative

Not Rated N/A

A- Stable

A- Stable

B- Stable

A Stable

Not Rated N/A

Disclaimer: Information was found from Company websites or various other sources of public information.

© 2011 CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of “Competitive Intelligence Guide: Hospital Indemnity"

may not be shared outside the buyer’s firm without permission from CSG Actuarial, LLC.


Exhibit A - Company Information

Hospital Indemnity

http://www.csgactuarial.com/



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Product Benefits Comparison

The attached Exhibit B provides information on each company’s Senior Hospital Indemnity product represented in CSG’s Senior Hospital Indemnity competitive database. Information regarding a product’s benefit design, available riders, rating characteristics, and benefit triggers are all included. Exhibit B can help users compare each company’s product with others in the market as well as identify competitive advantages and disadvantages of their own product line. The information provided in Exhibit B is a summary of CSG Actuarial’s Senior Hospital Indemnity database. The information does not provide state variations or specific detail on benefit limits and issue ages. Please contact CSG Actuarial, LLC to request a customized competitive intelligence report. This information was obtained from public sources and may have changed since this report was compiled.

Exhibit B - Product Benefits Comparison

Hospital Indemnity

Issue Age 30-89 18-85 18-85 18-85 40-85 18-85 18-85 18-85

Hospital Indemnity Benefit Limit for a Period

of Care$500-$1000 $100-$300 $100-$300 $100-$300 $100-$600 $100-$300 $100-$300 $100-$300

Days Payable per Period of Care Up to max benefit 10 Days 20 Days 90 Days 10 or 21 Days 10 Days 20 Days 90 Days

Skilled Nursing Facility Indemnity Benefit Yes- $50-$100/Day - - - Yes- $120/Day - - -

Waiting Period 0-100 Days - - - - - - -Private Hospital Room Indemnity Benefit Included - - - - - - -

Registered Nurse In-Hospital Indemnity

Benefit

$30/Shift

Up to 2 Shifts/Day- - - - - - -

Registered Nurse At-Home Indemnity Benefit$30/Shift

Up to 2 Shifts/Day- - - - - - -

Optional Daily Hospital Indemnity Benefit

RiderYes - - - - - - -

Ambulance Benefit -$100/Occurrence

$2500 Lifetime Cap

$150/Occurrence

$2500 Lifetime Cap

$200/Occurrence

$2500 Lifetime Cap

$200/Occurrence

$2500 Lifetime Cap

$100/Occurrence

$2500 Lifetime Cap

$150/Occurrence

$2500 Lifetime Cap

$200/Occurrence

$2500 Lifetime Cap

Durable Medical Equipment Benefit -$200/Occurrence

$2500 Lifetime Cap

$300/Occurrence

$2500 Lifetime Cap

$400/Occurrence

$2500 Lifetime Cap30% of first $1,000/Year

$200/Occurrence

$2500 Lifetime Cap

$300/Occurrence

$2500 Lifetime Cap

$400/Occurrence

$2500 Lifetime CapEmergency Room Benefit (following accident

or injury)- $150/Visit $200/Visit $250/Visit - $150/Visit $200/Visit $250/Visit

Physician Visit Benefit (after hospital stay) -$25/Visit

$75/Year Max

$25/Visit

$75/Year Max

$25/Visit

$75/Year Max-

$25/Visit

$75/Year Max

$25/Visit

$75/Year Max

$25/Visit

$75/Year Max

Optometrist/Dentist Visit Benefit - - - - - - - -

Accidental Death & Dismemberment Rider - - - -$5,000 or $10,000 for death;

Variable for dismemberment- - -

Mental Health Facility Benefit - - - -$175/Day Up to 7 Days at an

Inpatient Facility- - -

Surgical Indemnity Benefit Rider - - - -$250-$1,000 for outpatient

surgery up to 2x per year.- - -

Lump Sum Cancer Rider -$1,000-$10,000 for first

diagnosis

$1,000-$10,000 for first

diagnosis

$1,000-$10,000 for first

diagnosis

$2,500-$10,000 for first

diagnosis

$1,000-$10,000 for first

diagnosis

$1,000-$10,000 for first

diagnosis

$1,000-$10,000 for first

diagnosis

Lump Sum Hospital Confinement - - - -Rider: $250-$750 once per

confinement- - -

Waiver of Premium BenefitYes- 8 weeks continuous

confinement- - - - - - -

Guaranteed Renewal Yes - - - - - - -

Policy Fee $20 $25 $25 $25 $20 $25 $25 $25






Exhibit B- Product Benefits Comparison

Hospital Indemnity

Issue Age 0-69 50-85 18-84 0-74 18-74

Hospital Indemnity Benefit Limit for a Period of Care - $750-$1250 $1,000 $50-500/Day;

2X Daily Benefit in ICU

$50/Day;

$100/Day in ICU or Coronary Care Unit

Days Payable per Period of Care - - Once for each Period of Care 360 Days; 30 Days 365 Days; 30 Days

Skilled Nursing Facility Indemnity Benefit - $75-$125/Day Up to 90 Days Yes- $50-$200/Day - -

Waiting Period 0-12 months dependent on condition 0-6 Months Variable 0-3 Days None

Private Hospital Room Indemnity Benefit - - - - -

Registered Nurse In-Hospital Indemnity Benefit - - - 25% of Hosp. Indem. Benefit -

Registered Nurse At-Home Indemnity Benefit -Rider: $25-$75

Up to 30 Days

$50/Shift or $100/Shift Up to 2 Shifts/Day for

30 Days after hospital confinement- -

Optional Daily Hospital Indemnity Benefit Rider $50-$800/Day Max of 30 Days $100-$150 Up to 21 Days $50; $100; $150; $200 - -

Ambulance Benefit - $50-$150 Up to 3x/Year; $2,500 Lifetime Cap $100/Year 50% of Hosp. Indem. Benefit -

Durable Medical Equipment Benefit - $200-$400 Once per Year; $2,500 Lifetime Cap - - -

Emergency Room Benefit (following accident or injury) $150/Visit - - - -

Physician Visit Benefit (after hospital stay) - Rider: $15-$50 Up to 100 Visits/YearRider: $20/Visit

$1000/Year Combined Max with Surg Indem.

Benefit

- -

Optometrist/Dentist Visit Benefit - - - - $50/Visit; $100/Year Max

Accidental Death & Dismemberment Rider - $2,500-$7,500; Once per Year - - -

Mental Health Facility Benefit - - - - -

Surgical Indemnity Benefit Rider $150 for each outpatient surgery $200-$600 Max 10 Surgeries/Year $300/Surgery - -

Lump Sum Cancer Rider$10,000-$50,000 for first diagnosis on Cash

Cancer Plan$5,000-$10,000 - - -

Lump Sum Hospital Confinement$250-$2000;

1 Period of Care Maximum- - - -

Waiver of Premium Benefit - - Yes- 4 weeks continuous confinement - -

Guaranteed Renewal Yes Yes Yes - Yes

Policy Fee - $25 - - $18








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UNDERWRITING CRITERIA COMPARISONS

The attached Exhibit C provides an underwriting criteria comparison for each company represented in CSG’s Senior Hospital Indemnity competitive database. This information was compiled from each company’s application filed with the state insurance departments. Each application question was summarized based on the condition being asked and the “look back” period used for eligibility. Exhibit C is presented in the following sections:

Exhibit C-1: Circulatory System Exhibit C-2: Diabetes & Diabetes with Complications Exhibit C-3: Digestive System Exhibit C-4: Disabled Exhibit C-5: Mental Disorders; Endocrine; Nutritional and Metabolic Diseases; Immunity

Disorders; Genitourinary System, Infectious and Parasitic Diseases Exhibit C-6: Musculoskeletal System and Connective Tissue Exhibit C-7: Neoplasm Exhibit C-8: Nervous System Exhibit C-9: Respiratory System; Surgery, Medical Tests, Etc. Exhibit C-10: Reproductive Organs Exhibit C-11: Additional Underwriting Criteria

The Exhibit C should be interpreted by reviewing each medical condition and the criteria used for declination. For example, on hepatitis, if the table states “2 years”, this means the company will decline coverage for any applicant that has been diagnosed or treated for hepatitis within the last 2 years. If the table is blank for any specific condition the company does not ask any application questions for that particular condition. The actual application question may vary by company and could be more or less restrictive given the actual wording of the question. These tables should be viewed with caution and used only as a guide to the types of conditions and “look back” periods each company uses in evaluating Senior Hospital Indemnity applicants. In addition there may be slight variations in applications by state that are not reflected in the tables. .

Exhibit C-1: Underwriting Criteria - Circulatory System

Company Aneurysm AngioplastyAny Circulatory

Disorder

Any Heart Abnormality/

Condition/ DisorderCardiac Pacemaker Cardiomyopathy Congenital Heart Defect Congestive Heart Failure

Yes- 1 Year

Yes- 3 Years

Yes- 2 Years Yes-Ever Yes- 2 Years Yes- 2 Years

Yes- 2 Years Yes-Ever Yes- 2 Years Yes- 2 Years

Yes- Ever Yes- 2 Years

Yes- 2 Years Yes- 2 Years Yes- 2 Years

Yes- 2 Years

Yes- 2 Years Yes- 2 Years

The conditions above are conditions for declination of benefits; they may vary by state.

Disclaimer: CSG Actuarial, LLC does not guarantee or warrant the accuracy of the above information. Carriers may have made adjustments that have not

yet been reflected in our database.

© 2011 CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of “Competitive Intelligence Guide: Hospital Indemnity Insurance"





Company Defibrillating Device

Disease or Disorder of

the Blood/Spleen/Bone

Marrow

Disease or Disorder of

the Immune SystemElevated Cholesterol

Heart / Coronary /

Carotid Artery Disease /

Angina

Heart Attack Heart Disease Heart Surgery Heart Valve Surgery High/Low Blood Pressure

Yes- 1 Year Yes- 1 Year Yes- 1 Year

Yes- Ever Yes- 2 Years Yes- 2 Years

Yes- Ever Yes- 2 Years Yes- 2 Years

Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes-2 Years

Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years


Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years









CompanyHospitalization due to Blood

Disorder

Hospitalization due to

Circulatory Disease


Heart/Artery Disease Hypertension Peripheral Vascular Disease

Prescription Medication for

Heart/Artery Disease or

Stroke or Heart Rhythm

disorders

StrokeTransient Ischemic Attack

(TIA)

Yes- 1 Year

Yes- 1 Year Yes- 1 Year Yes- 1 Year Yes- Currently using 4+ Daily





Yes- 2 Years









CompanyInsulin Dependent

DiabetesInsulin Use

Insulin Dependent

Diabetes + Heart

Disorder

Uncontrolled

Diabetes

Complications of

Diabetes

Yes- 1 Year

Yes- 50+ Units

Insulin/DayYes

Yes- 50+ Units

Insulin/DayYes- 2 Years

Yes- 50+ Units

Insulin/DayYes- 2 Years

Yes- Ever


Yes- 2 Years

Yes- 2 Years







Exhibit C-2: Underwriting Criteria - Diabetes; Diabetes with Complications


Exhibit C-3: Underwriting Criteria - Digestive System

CompanyAny Disease or Disorder

of the Gallbladder

Any Disease or Disorder

of the Digestive Tract

Any Disease or Disorder

of the Intestines or

Colon

Any Liver Disease Chrohn's Disease

Yes- 1 Year

Yes- 2 Years









Exhibit C-3: Underwriting Criteria - Digestive System

CompanyCirrhosis of the

LiverGallstones Hepatitis

Hospitalization Due to

Ulcerative ColitisKidney Stones Open Colostomy Open Ileostomy

Yes- 3 Years

Yes-

Hospitalization

due to Hepatitis- 1

Year

Yes- 1 Year Yes- 2 Years Yes- 2 Years

Yes- 2 Years

Yes- 2 Years

Yes- Ever

Yes- Ever Yes- Ever

Yes- 2 Years









Exhibit C-4: Underwriting Criteria - Disabled

CompanyConfined to a Nursing

Facility

Confined to a

Hospital

Receiving Home

Health CareBedridden Use of Wheelchair

Yes- 1 Year Yes- 1 Year Yes- 1 Year

Yes- Currently Yes- Currently Yes- 90 Days Yes- Currently Yes- Currently

Yes- 1 Year Yes-1 Year Yes- 1 Year Yes- 1 Year Yes- 1 Year

Yes- 1 Year Yes-1 Year Yes- 1 Year Yes- 1 Year Yes- 1 Year

Yes- Currently Yes- Currently

Yes- 2 Years Yes- 2 Years Yes- Currently Yes Yes

Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years









Exhibit C-4: Underwriting Criteria - Disabled

Company Use of WalkerAmputation Caused by

Disease

Past Admission to a Hospital/ Clinic/

Other Medical Institution

Yes- 2 Years Yes- 3+ times in the last 2 Years

Yes- 1 Year Yes- Ever

Yes- 1 Year Yes- Ever

Yes Yes- 2 Years

Yes- 2 Years








Company Addison's Disease

Any Disease or

Disorder of the

Kidney

Any Mental or

Emotional Disorder Alzheimer's Disease

Chronic Kidney

Disease

Yes- 1 Year Yes- 1 Year

Yes- 3 Years



Yes- Ever Yes- Ever

Yes- Ever Yes- 2 Years









Exhibit C-5: Underwriting Criteria - Mental Disorders; Endocrine; Nutritional and

Metabolic Diseases; Immunity Disorders; Genitourinary System, Infectious and

Parasitic Diseases


Company Dementia Renal Insufficiency Renal FailureKidney Disease Requiring

Dialysis


Nephritis

Yes- 1 Year

Yes- 3 Years Yes- 3 Years Yes- 3 Years Yes- 1 Year



Yes- Ever

Yes- Ever Yes- 2 Years Yes- 2 Years Yes- 2 Years

Yes- 2 Years

Yes- 2 Years









Parasitic Diseases


CompanyOrganic Brain

Disorder

AIDS/AIDS Related

Complex or HIV

Disease of the

Pancreas or

Prostate

Epilepsy/Seizure

Disorder


Any Mental Disorder

Yes- Ever

Yes- 3 Years Yes- 1 Year Yes- 1 Year Yes- 1 Year



Yes- Ever

Yes- Ever Yes- Ever Yes- Ever

Yes- Ever

Yes- 2 Years Yes- Ever Yes- 2 Years









Parasitic Diseases


Exhibit C-6: Underwriting Criteria - Musculoskeletal System And Connective Tissue

Company

Any Disease or Disorder of the

Bones, Joints, Spine, Knees or

Musculoskeletal System

Hernia Paget's DiseaseRheumatoid or

Disabling Arthritis

Yes- 3 Years











Exhibit C-6: Underwriting Criteria - Musculoskeletal System And Connective Tissue

CompanyLupus or Other Bone or

Connective Tissue DisorderMuscular Dystrophy Osteoporosis Arthritis Therapy

Yes- 3 Years Yes- 2 Years Yes- 2 Years- Gold Shot



Yes- Ever

Yes- 2 Years Yes- Ever










Company Internal Cancer Leukemia Malignant Melanoma Hodgkin's Disease

Yes- 1 Year; 10 Years for

Cancer Rider

Yes- 1 Year; 10 Years

for Cancer Rider

Yes- 1 Year; 10 Years for Cancer

Rider


for Cancer Rider


Yes- 2 Years; 10 Years for

Cancer Rider

Yes- 2 Years; 10 Years

for Cancer Rider

Yes- 2 Years; 10 Years for Cancer

Rider


for Cancer RiderYes- 2 Years; 10 Years for

Cancer Rider


for Cancer Rider

Yes- 2 Years; 10 Years for Cancer

Rider


for Cancer Rider

Yes- 5 Years










Exhibit C-7: Underwriting Criteria - Neoplasm


Company Lymphoma SarcomaRadiation or

Chemotherapy

Doctor Scheduled Tests

to Rule Out Disease

Advised to Seek

Treatment


for Cancer Rider

Yes- 10 Years for

Cancer Rider

Yes- 10 Years for Cancer

Rider

Yes- 2 Years for

Cancer Rider



for Cancer Rider

Yes- 10 Years for

Cancer Rider


RiderYes


for Cancer Rider

Yes- 10 Years for

Cancer Rider


RiderYes

Yes- 2 Years







Exhibit C-7: Underwriting Criteria - Neoplasm


Exhibit C-8: Underwriting Criteria - Nervous System

Company Parkinson's DiseaseMyasthenia

Gravis

Multiple/Amyotrophic

Lateral SclerosisParalysis

Amyotrophic

Lateral Sclerosis

Any Neurological

Disorder

Any Neuromuscular

Disorder


Any Nervous Disorder

Yes- 3 Years Yes- 3 Years Yes- 3 Years Yes- 1 Year



Yes- 2 Years

Yes- Ever Yes- Ever Yes- Ever










CompanyAny Disease/Disorder of the Lungs or

Respiratory SystemAsthma

Chronic Obstructive

Lung Disease

Chronic Obstructive

Pulmonary Disorder

Yes- 1 Year

Yes- 2 Years

Yes- 2 Years










Exhibit C-9: Underwriting Criteria - Respiratory System; Surgery, Medical Tests, Etc.


Company

Chronic Pulmonary

Disease Requiring the Use

of Oxygen, CPAP or

Nebulizer

Cystic Fibrosis Emphysema


Chronic Respiratory

Disorder


Emphysema

Yes- 2 Years- Oxygen Yes- 1 Year Yes- 1 Year

Yes- 2 Years- Oxygen,

CPAP, NebulizerYes- 2 Years

Yes- 2 Years- Oxygen,

CPAP, NebulizerYes- 2 Years

Yes- 2 Years

Yes- 2 Years- Oxygen Yes- 2 Years

Yes- 2 Years








Exhibit C-9: Underwriting Criteria - Respiratory System; Surgery, Medical Tests, Etc.


Exhibit C-10: Underwriting Criteria -Reproductive Organs

CompanyAny Disease or Disorder of

the Reproductive Organs

Any Disease or

Disorder of the

Urinary Tract

Endometriosis HemorrhoidsHospitalization Due

to Chronic CystitisUterine Fibroids

Expectant

Mother/ Father

Yes- 1 Year

Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes








Exhibit C-11: Underwriting Criteria -Additional Underwriting Criteria

CompanyAdmitted to an

Emergency Room or

Urgent Care Center

Any Chemical Use Alcohol or Drug Abuse CataractsReceived Medical

CounselingSickle Cell Anemia Organ Transplant

Yes- 1 Year




Yes- 2 Years

Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years Yes- 2 Years








Exhibit C-11: Underwriting Criteria -Additional Underwriting Criteria

CompanySurgery, Medical Tests, treatment, or therapy

not performed

Surgery Anticipated in Next 12

monthsSurgery Performed

Taken Any Medication Recommended or Prescribed

by a Physician

Yes- 1 Year Yes- 1 Year

Yes- 3 Years Yes Yes- 3 Years

Yes- 1 Year

Yes- 1 Year

Yes- Ever

Yes Yes

Yes Yes-2 Years

Yes- Ever Yes- 1 Year










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PREMIUM RATE COMPARISONS The attached Exhibit D provides a premium rate comparisons for each company represented in CSG’s Senior Hospital Indemnity competitive database. Each table displays the annual premiums for the lowest rating by gender, and underwriting classes. The rates shown are comprehensive. Below is a summary of all the tables:

Exhibit D-1: Exhibit D-2: Exhibit D-3: Exhibit D-4: Exhibit D-5: Exhibit D-6: Exhibit D-7: Exhibit D-8: Exhibit D-9: Exhibit D-10: Exhibit D-11: Exhibit D-12:

For example, if a company offers non-tobacco rates, these are shown. If the company offers blended non-tobacco/tobacco, the blended rates are shown. However, the rates shown do not include any couples or household discounts, if applicable. Each of the companies in the study has slightly different benefit options and structures. For example, some companies may have specific riders or reimbursement based on varying criteria. Please refer to the attached Exhibit B for an analysis of the benefit options offered by each company.

Exhibit D-1 Hospital Indemnity Rates

Base Policy

Age $500 $750 $1,000

30-55 102.44$ 147.74$ 193.04$

56-59 127.01$ 181.89$ 236.76$

60-64 144.68$ 206.33$ 267.98$

65-69 168.62$ 238.47$ 308.32$

70-74 195.58$ 275.18$ 354.78$

75-79 226.19$ 314.99$ 403.79$

80-84 265.09$ 367.79$ 470.49$

85-89 304.85$ 421.43$ 538.00$

`

Age 0- DAY 20-DAY 100-DAY

30-64 1.84 1.6 1.36

65-69 2.12 1.84 1.56

70-74 2.42 2.1 1.79

75-79 2.78 2.42 2.06

80-84 3.19 2.77 2.35

85-89 3.66 3.18 2.7

**Elimination Day Rate is the number of days insured must be confined to a skilled

nursing facility before benefits are valid.





Per $10/Day Benefit

Skilled Nursing Facility Benefit**

Optional Daily Hospital

Benefit

16.26$

22.12$

27.67$

35.13$

44.82$

54.81$

66.51$

78.78$

Per $10/Day Benefit



Lump Sum Cancer

Rider

Issue Age $100 $150 $200 $250 $300 $350 $400 $450 $500 Per $1,000 Benefit

18-49 123.60$ 159.60$ 195.60$ 231.60$ 267.60$ 304.80$ 342.00$ 379.20$ 416.40$ 15.60$

50 140.40$ 181.20$ 222.00$ 264.00$ 304.80$ 346.80$ 388.80$ 430.80$ 472.80$ 16.80$

51 146.40$ 188.40$ 230.40$ 273.60$ 316.80$ 361.20$ 404.40$ 448.80$ 492.00$ 18.00$

52 153.60$ 198.00$ 242.40$ 286.80$ 331.20$ 376.80$ 422.40$ 468.00$ 513.60$ 18.00$

53 158.40$ 205.20$ 250.80$ 297.60$ 344.40$ 391.20$ 438.00$ 486.00$ 532.80$ 19.20$

54 164.40$ 212.40$ 260.40$ 308.40$ 356.40$ 404.40$ 453.60$ 502.80$ 552.00$ 20.40$

55 170.40$ 219.60$ 268.80$ 318.00$ 368.40$ 418.80$ 469.20$ 520.80$ 571.20$ 22.80$

56 175.20$ 226.80$ 277.20$ 328.80$ 380.40$ 433.20$ 484.80$ 537.60$ 590.40$ 24.00$

57 181.20$ 234.00$ 286.80$ 339.60$ 392.40$ 446.40$ 500.40$ 555.60$ 609.60$ 25.20$

58 188.40$ 243.60$ 297.60$ 352.80$ 409.20$ 464.40$ 520.80$ 577.20$ 633.60$ 26.40$

59 195.60$ 252.00$ 309.60$ 367.20$ 424.80$ 482.40$ 540.00$ 598.80$ 657.60$ 27.60$

60 202.80$ 261.60$ 320.40$ 380.40$ 440.40$ 500.40$ 560.40$ 621.60$ 682.80$ 30.00$

61 210.00$ 271.20$ 332.40$ 393.60$ 456.00$ 517.20$ 579.60$ 643.20$ 706.80$ 31.20$

62 217.20$ 280.80$ 344.40$ 408.00$ 471.60$ 535.20$ 600.00$ 664.80$ 730.80$ 32.40$

63 224.40$ 290.40$ 356.40$ 422.40$ 488.40$ 554.40$ 621.60$ 688.80$ 757.20$ 33.60$

64 232.80$ 300.00$ 368.40$ 436.80$ 505.20$ 573.60$ 643.20$ 712.80$ 783.60$ 34.80$

65 240.00$ 310.80$ 381.60$ 451.20$ 522.00$ 592.80$ 664.80$ 736.80$ 810.00$ 37.20$

66 248.40$ 320.40$ 393.60$ 466.80$ 538.80$ 612.00$ 686.40$ 760.80$ 836.40$ 38.40$

67 255.60$ 331.20$ 406.80$ 481.20$ 555.60$ 631.20$ 708.00$ 784.80$ 862.80$ 39.60$

68 266.40$ 344.40$ 422.40$ 500.40$ 577.20$ 656.40$ 735.60$ 816.00$ 896.40$ 40.80$

69 276.00$ 356.40$ 438.00$ 518.40$ 598.80$ 681.60$ 763.20$ 846.00$ 930.00$ 40.80$

70 285.60$ 369.60$ 453.60$ 537.60$ 621.60$ 705.60$ 790.80$ 877.20$ 963.60$ 42.00$

71 296.40$ 382.80$ 469.20$ 555.60$ 643.20$ 730.80$ 818.40$ 907.20$ 997.20$ 42.00$

72 306.00$ 394.80$ 484.80$ 574.80$ 664.80$ 754.80$ 846.00$ 938.40$ 1,030.80$ 43.20$

73 315.60$ 408.00$ 499.20$ 592.80$ 685.20$ 778.80$ 871.20$ 967.20$ 1,062.00$ 43.20$

74 324.00$ 420.00$ 514.80$ 609.60$ 705.60$ 801.60$ 897.60$ 996.00$ 1,094.40$ 44.40$

75 333.60$ 432.00$ 529.20$ 627.60$ 726.00$ 824.40$ 924.00$ 1,024.80$ 1,125.60$ 44.40$

76 343.20$ 444.00$ 544.80$ 645.60$ 746.40$ 847.20$ 949.20$ 1,053.60$ 1,156.80$ 45.60$

77 352.80$ 456.00$ 559.20$ 662.40$ 766.80$ 871.20$ 975.60$ 1,082.40$ 1,188.00$ 45.60$

78 360.00$ 465.60$ 571.20$ 676.80$ 782.40$ 889.20$ 996.00$ 1,104.00$ 1,213.20$ 45.60$

79 367.20$ 475.20$ 582.00$ 690.00$ 798.00$ 907.20$ 1,015.20$ 1,126.80$ 1,237.20$ 45.60$

80 374.40$ 483.60$ 594.00$ 703.20$ 813.60$ 924.00$ 1,035.60$ 1,148.40$ 1,262.40$ 45.60$

81 381.60$ 493.20$ 606.00$ 717.60$ 829.20$ 942.00$ 1,056.00$ 1,171.20$ 1,286.40$ 45.60$

82 387.60$ 502.80$ 616.80$ 730.80$ 844.80$ 960.00$ 1,076.40$ 1,194.00$ 1,310.40$ 45.60$

83 394.80$ 511.20$ 628.80$ 744.00$ 860.40$ 978.00$ 1,096.80$ 1,215.60$ 1,335.60$ 45.60$

84 402.00$ 520.80$ 640.80$ 758.40$ 876.00$ 997.20$ 1,117.20$ 1,239.60$ 1,360.80$ 45.60$

85 409.20$ 530.40$ 652.80$ 772.80$ 892.80$ 1,015.20$ 1,138.80$ 1,262.40$ 1,387.20$ 45.60$





Daily Hospital Indemnity Benefit



Lump Sum Cancer

Rider


18-49 174.00$ 225.60$ 277.20$ 330.00$ 382.80$ 434.40$ 486.00$ 538.80$ 591.60$ 15.60$

50 196.80$ 255.60$ 314.40$ 375.60$ 435.60$ 494.40$ 553.20$ 613.20$ 672.00$ 16.80$

51 205.20$ 266.40$ 326.40$ 390.00$ 453.60$ 514.80$ 574.80$ 637.20$ 699.60$ 18.00$

52 216.00$ 278.40$ 342.00$ 406.80$ 472.80$ 536.40$ 601.20$ 664.80$ 729.60$ 18.00$

53 223.20$ 289.20$ 354.00$ 422.40$ 489.60$ 556.80$ 622.80$ 690.00$ 757.20$ 19.20$

54 231.60$ 298.80$ 366.00$ 436.80$ 507.60$ 577.20$ 645.60$ 715.20$ 783.60$ 20.40$

55 238.80$ 308.40$ 379.20$ 452.40$ 525.60$ 596.40$ 667.20$ 739.20$ 811.20$ 22.80$

56 247.20$ 319.20$ 391.20$ 466.80$ 543.60$ 616.80$ 690.00$ 764.40$ 837.60$ 24.00$

57 254.40$ 328.80$ 404.40$ 482.40$ 560.40$ 636.00$ 712.80$ 788.40$ 865.20$ 25.20$

58 265.20$ 343.20$ 420.00$ 501.60$ 583.20$ 662.40$ 740.40$ 820.80$ 900.00$ 26.40$

59 274.80$ 356.40$ 436.80$ 520.80$ 606.00$ 687.60$ 769.20$ 852.00$ 934.80$ 27.60$

60 285.60$ 369.60$ 453.60$ 541.20$ 628.80$ 712.80$ 798.00$ 883.20$ 969.60$ 30.00$

61 296.40$ 382.80$ 469.20$ 560.40$ 650.40$ 738.00$ 825.60$ 915.60$ 1,004.40$ 31.20$

62 306.00$ 396.00$ 486.00$ 579.60$ 673.20$ 763.20$ 854.40$ 946.80$ 1,039.20$ 32.40$

63 316.80$ 410.40$ 502.80$ 600.00$ 697.20$ 790.80$ 884.40$ 980.40$ 1,076.40$ 33.60$

64 327.60$ 424.80$ 520.80$ 620.40$ 721.20$ 818.40$ 915.60$ 1,014.00$ 1,113.60$ 34.80$

65 339.60$ 438.00$ 537.60$ 642.00$ 745.20$ 846.00$ 945.60$ 1,048.80$ 1,150.80$ 37.20$

66 350.40$ 452.40$ 555.60$ 662.40$ 769.20$ 872.40$ 976.80$ 1,082.40$ 1,188.00$ 38.40$

67 361.20$ 466.80$ 572.40$ 682.80$ 793.20$ 900.00$ 1,006.80$ 1,116.00$ 1,225.20$ 39.60$

68 375.60$ 484.80$ 595.20$ 709.20$ 824.40$ 934.80$ 1,046.40$ 1,159.20$ 1,273.20$ 40.80$

69 388.80$ 502.80$ 616.80$ 735.60$ 854.40$ 970.80$ 1,086.00$ 1,203.60$ 1,321.20$ 40.80$

70 403.20$ 520.80$ 639.60$ 762.00$ 885.60$ 1,005.60$ 1,124.40$ 1,246.80$ 1,368.00$ 42.00$

71 416.40$ 538.80$ 661.20$ 789.60$ 916.80$ 1,040.40$ 1,164.00$ 1,290.00$ 1,416.00$ 42.00$

72 430.80$ 558.00$ 684.00$ 816.00$ 946.80$ 1,075.20$ 1,203.60$ 1,333.20$ 1,464.00$ 43.20$

73 444.00$ 574.80$ 705.60$ 841.20$ 976.80$ 1,108.80$ 1,239.60$ 1,374.00$ 1,508.40$ 43.20$

74 457.20$ 591.60$ 726.00$ 865.20$ 1,005.60$ 1,141.20$ 1,276.80$ 1,414.80$ 1,554.00$ 44.40$

75 470.40$ 608.40$ 746.40$ 890.40$ 1,034.40$ 1,174.80$ 1,314.00$ 1,455.60$ 1,598.40$ 44.40$

76 483.60$ 625.20$ 768.00$ 915.60$ 1,064.40$ 1,207.20$ 1,351.20$ 1,496.40$ 1,642.80$ 45.60$

77 496.80$ 643.20$ 788.40$ 940.80$ 1,093.20$ 1,240.80$ 1,388.40$ 1,538.40$ 1,688.40$ 45.60$

78 507.60$ 656.40$ 805.20$ 960.00$ 1,116.00$ 1,266.00$ 1,417.20$ 1,569.60$ 1,723.20$ 45.60$

79 517.20$ 669.60$ 820.80$ 979.20$ 1,137.60$ 1,291.20$ 1,444.80$ 1,602.00$ 1,758.00$ 45.60$

80 528.00$ 682.80$ 837.60$ 999.60$ 1,160.40$ 1,317.60$ 1,473.60$ 1,633.20$ 1,792.80$ 45.60$

81 537.60$ 696.00$ 854.40$ 1,018.80$ 1,183.20$ 1,342.80$ 1,502.40$ 1,664.40$ 1,827.60$ 45.60$

82 548.40$ 709.20$ 870.00$ 1,038.00$ 1,206.00$ 1,368.00$ 1,531.20$ 1,696.80$ 1,861.20$ 45.60$

83 559.20$ 722.40$ 886.80$ 1,057.20$ 1,228.80$ 1,394.40$ 1,560.00$ 1,729.20$ 1,897.20$ 45.60$

84 568.80$ 736.80$ 903.60$ 1,077.60$ 1,251.60$ 1,420.80$ 1,590.00$ 1,761.60$ 1,933.20$ 45.60$

85 579.60$ 751.20$ 921.60$ 1,098.00$ 1,275.60$ 1,447.20$ 1,620.00$ 1,795.20$ 1,969.20$ 45.60$








Lump Sum Cancer

Rider


18-49 244.80$ 326.40$ 408.00$ 488.40$ 570.00$ 651.60$ 733.20$ 816.00$ 900.00$ 15.60$

50 278.40$ 370.80$ 463.20$ 555.60$ 649.20$ 741.60$ 834.00$ 928.80$ 1,022.40$ 16.80$

51 289.20$ 385.20$ 482.40$ 578.40$ 675.60$ 771.60$ 867.60$ 966.00$ 1,064.40$ 18.00$

52 302.40$ 403.20$ 502.80$ 603.60$ 704.40$ 805.20$ 906.00$ 1,008.00$ 1,111.20$ 18.00$

53 313.20$ 417.60$ 522.00$ 626.40$ 729.60$ 835.20$ 939.60$ 1,046.40$ 1,152.00$ 19.20$

54 324.00$ 432.00$ 540.00$ 648.00$ 756.00$ 864.00$ 973.20$ 1,083.60$ 1,194.00$ 20.40$

55 334.80$ 447.60$ 559.20$ 670.80$ 782.40$ 894.00$ 1,006.80$ 1,120.80$ 1,234.80$ 22.80$

56 346.80$ 462.00$ 577.20$ 692.40$ 808.80$ 924.00$ 1,040.40$ 1,158.00$ 1,275.60$ 24.00$

57 357.60$ 476.40$ 596.40$ 715.20$ 835.20$ 954.00$ 1,074.00$ 1,195.20$ 1,317.60$ 25.20$

58 372.00$ 495.60$ 620.40$ 744.00$ 867.60$ 992.40$ 1,116.00$ 1,243.20$ 1,370.40$ 26.40$

59 386.40$ 514.80$ 643.20$ 772.80$ 901.20$ 1,030.80$ 1,159.20$ 1,291.20$ 1,423.20$ 27.60$

60 400.80$ 534.00$ 667.20$ 800.40$ 934.80$ 1,068.00$ 1,202.40$ 1,339.20$ 1,476.00$ 30.00$

61 415.20$ 553.20$ 691.20$ 829.20$ 967.20$ 1,106.40$ 1,244.40$ 1,386.00$ 1,528.80$ 31.20$

62 429.60$ 572.40$ 715.20$ 858.00$ 1,000.80$ 1,144.80$ 1,287.60$ 1,434.00$ 1,581.60$ 32.40$

63 445.20$ 592.80$ 740.40$ 889.20$ 1,036.80$ 1,185.60$ 1,334.40$ 1,485.60$ 1,638.00$ 33.60$

64 460.80$ 613.20$ 766.80$ 920.40$ 1,072.80$ 1,226.40$ 1,380.00$ 1,537.20$ 1,695.60$ 34.80$

65 476.40$ 633.60$ 792.00$ 950.40$ 1,108.80$ 1,268.40$ 1,426.80$ 1,588.80$ 1,752.00$ 37.20$

66 490.80$ 655.20$ 818.40$ 981.60$ 1,144.80$ 1,309.20$ 1,472.40$ 1,640.40$ 1,808.40$ 38.40$

67 506.40$ 675.60$ 844.80$ 1,012.80$ 1,180.80$ 1,350.00$ 1,519.20$ 1,692.00$ 1,864.80$ 39.60$

68 526.80$ 702.00$ 877.20$ 1,052.40$ 1,227.60$ 1,402.80$ 1,578.00$ 1,758.00$ 1,938.00$ 40.80$

69 546.00$ 728.40$ 910.80$ 1,092.00$ 1,273.20$ 1,455.60$ 1,638.00$ 1,824.00$ 2,010.00$ 40.80$

70 565.20$ 754.80$ 943.20$ 1,131.60$ 1,318.80$ 1,508.40$ 1,696.80$ 1,890.00$ 2,083.20$ 42.00$

71 585.60$ 780.00$ 975.60$ 1,170.00$ 1,365.60$ 1,561.20$ 1,755.60$ 1,956.00$ 2,155.20$ 42.00$

72 604.80$ 806.40$ 1,008.00$ 1,209.60$ 1,411.20$ 1,612.80$ 1,815.60$ 2,022.00$ 2,227.20$ 43.20$

73 622.80$ 831.60$ 1,039.20$ 1,246.80$ 1,454.40$ 1,663.20$ 1,870.80$ 2,083.20$ 2,295.60$ 43.20$

74 642.00$ 855.60$ 1,070.40$ 1,284.00$ 1,497.60$ 1,712.40$ 1,926.00$ 2,145.60$ 2,364.00$ 44.40$

75 660.00$ 880.80$ 1,100.40$ 1,321.20$ 1,540.80$ 1,761.60$ 1,982.40$ 2,206.80$ 2,432.40$ 44.40$

76 679.20$ 904.80$ 1,131.60$ 1,358.40$ 1,585.20$ 1,810.80$ 2,037.60$ 2,269.20$ 2,500.80$ 45.60$

77 697.20$ 930.00$ 1,162.80$ 1,395.60$ 1,628.40$ 1,860.00$ 2,092.80$ 2,331.60$ 2,569.20$ 45.60$

78 711.60$ 949.20$ 1,186.80$ 1,424.40$ 1,660.80$ 1,898.40$ 2,136.00$ 2,378.40$ 2,622.00$ 45.60$

79 726.00$ 968.40$ 1,210.80$ 1,452.00$ 1,694.40$ 1,936.80$ 2,179.20$ 2,426.40$ 2,674.80$ 45.60$

80 740.40$ 987.60$ 1,233.60$ 1,480.80$ 1,728.00$ 1,975.20$ 2,221.20$ 2,474.40$ 2,727.60$ 45.60$

81 754.80$ 1,005.60$ 1,257.60$ 1,509.60$ 1,760.40$ 2,012.40$ 2,264.40$ 2,522.40$ 2,780.40$ 45.60$

82 769.20$ 1,024.80$ 1,281.60$ 1,538.40$ 1,794.00$ 2,050.80$ 2,307.60$ 2,570.40$ 2,833.20$ 45.60$

83 783.60$ 1,044.00$ 1,305.60$ 1,567.20$ 1,828.80$ 2,089.20$ 2,350.80$ 2,619.60$ 2,887.20$ 45.60$

84 798.00$ 1,064.40$ 1,329.60$ 1,597.20$ 1,863.60$ 2,128.80$ 2,395.20$ 2,668.80$ 2,942.40$ 45.60$

85 813.60$ 1,084.80$ 1,354.80$ 1,627.20$ 1,898.40$ 2,169.60$ 2,440.80$ 2,719.20$ 2,998.80$ 45.60$








$100-170 $180-240 $250-600 $100-170 $180-240 $250-600 $250 $500 $750 $2,500 $5,000 $7,500 $10,000

Age

40 11.44$ 10.64$ 10.18$ 12.73$ 11.84$ 11.33$ 56.98$ 108.26$ 159.54$ 30.20$ 60.40$ 90.60$ 120.80$

41 11.65$ 10.83$ 10.36$ 12.99$ 12.08$ 11.56$ 57.73$ 109.69$ 161.65$ 30.20$ 60.40$ 90.60$ 120.80$

42 11.84$ 11.01$ 10.54$ 13.23$ 12.30$ 11.77$ 58.46$ 111.08$ 163.70$ 30.20$ 60.40$ 90.60$ 120.80$

43 12.02$ 11.18$ 10.70$ 13.44$ 12.50$ 11.96$ 59.19$ 112.46$ 165.73$ 30.20$ 60.40$ 90.60$ 120.80$

44 12.19$ 11.34$ 10.85$ 13.63$ 12.68$ 12.13$ 59.93$ 113.86$ 167.79$ 30.20$ 60.40$ 90.60$ 120.80$

45 12.35$ 11.49$ 10.99$ 13.80$ 12.83$ 12.28$ 60.70$ 115.33$ 169.96$ 30.20$ 60.40$ 90.60$ 120.80$

46 12.49$ 11.62$ 11.12$ 13.95$ 12.97$ 12.42$ 61.54$ 116.92$ 172.31$ 30.20$ 60.40$ 90.60$ 120.80$

47 12.63$ 11.74$ 11.24$ 14.09$ 13.10$ 12.54$ 62.47$ 118.70$ 174.93$ 30.20$ 60.40$ 90.60$ 120.80$

48 12.74$ 11.85$ 11.34$ 14.21$ 13.21$ 12.65$ 63.54$ 120.72$ 177.91$ 30.20$ 60.40$ 90.60$ 120.80$

49 12.85$ 11.95$ 11.44$ 14.32$ 13.32$ 12.74$ 64.77$ 123.07$ 181.36$ 30.20$ 60.40$ 90.60$ 120.80$

50 12.94$ 12.04$ 11.52$ 14.43$ 13.42$ 12.84$ 66.22$ 125.81$ 185.40$ 47.93$ 95.85$ 143.78$ 191.70$

51 13.02$ 12.11$ 11.59$ 14.53$ 13.52$ 12.94$ 67.92$ 129.04$ 190.16$ 47.93$ 95.85$ 143.78$ 191.70$

52 13.09$ 12.18$ 11.65$ 14.65$ 13.62$ 13.04$ 69.92$ 132.85$ 195.77$ 47.93$ 95.85$ 143.78$ 191.70$

53 13.15$ 12.23$ 11.71$ 14.78$ 13.74$ 13.15$ 72.28$ 137.33$ 202.38$ 47.93$ 95.85$ 143.78$ 191.70$

54 13.21$ 12.28$ 11.75$ 14.92$ 13.88$ 13.28$ 75.05$ 142.60$ 210.15$ 47.93$ 95.85$ 143.78$ 191.70$

55 13.25$ 12.32$ 11.79$ 15.10$ 14.04$ 13.44$ 78.30$ 148.77$ 219.24$ 47.93$ 95.85$ 143.78$ 191.70$

56 13.29$ 12.36$ 11.83$ 15.31$ 14.24$ 13.63$ 82.08$ 155.96$ 229.83$ 47.93$ 95.85$ 143.78$ 191.70$

57 13.32$ 12.39$ 11.86$ 15.58$ 14.49$ 13.86$ 86.47$ 164.28$ 242.10$ 47.93$ 95.85$ 143.78$ 191.70$

58 13.35$ 12.42$ 11.88$ 15.90$ 14.79$ 14.15$ 91.52$ 173.89$ 256.26$ 47.93$ 95.85$ 143.78$ 191.70$

59 13.38$ 12.45$ 11.91$ 16.29$ 15.15$ 14.50$ 97.32$ 184.92$ 272.51$ 47.93$ 95.85$ 143.78$ 191.70$

60 13.42$ 12.48$ 11.94$ 16.76$ 15.59$ 14.92$ 103.95$ 197.51$ 291.06$ 61.45$ 122.90$ 184.35$ 245.80$

61 13.46$ 12.51$ 11.97$ 17.33$ 16.11$ 15.42$ 111.48$ 211.81$ 312.15$ 61.45$ 122.90$ 184.35$ 245.80$

62 13.50$ 12.56$ 12.02$ 18.00$ 16.74$ 16.02$ 120.00$ 228.00$ 336.00$ 61.45$ 122.90$ 184.35$ 245.80$

63 13.56$ 12.61$ 12.06$ 18.79$ 17.48$ 16.73$ 129.60$ 246.23$ 362.87$ 61.45$ 122.90$ 184.35$ 245.80$

64 14.35$ 12.96$ 12.16$ 20.83$ 19.20$ 18.33$ 132.53$ 251.69$ 369.94$ 69.80$ 139.60$ 209.40$ 279.20$

65 14.35$ 12.96$ 12.16$ 20.83$ 19.20$ 18.33$ 132.53$ 251.69$ 369.94$ 69.80$ 139.60$ 209.40$ 279.20$

66 14.92$ 13.50$ 12.70$ 21.75$ 20.10$ 19.21$ 136.97$ 260.34$ 382.65$ 69.80$ 139.60$ 209.40$ 279.20$

67 15.44$ 14.03$ 13.21$ 22.69$ 21.00$ 20.09$ 141.69$ 269.10$ 395.60$ 69.80$ 139.60$ 209.40$ 279.20$

68 16.01$ 14.59$ 13.75$ 23.60$ 21.88$ 20.96$ 146.28$ 278.01$ 408.71$ 69.80$ 139.60$ 209.40$ 279.20$

69 16.63$ 15.22$ 14.36$ 24.61$ 22.87$ 21.90$ 150.99$ 286.91$ 421.80$ 69.80$ 139.60$ 209.40$ 279.20$

70 17.21$ 15.78$ 14.90$ 25.55$ 23.78$ 22.78$ 155.71$ 295.82$ 434.90$ 79.58$ 159.15$ 238.73$ 318.30$

71 17.81$ 16.37$ 15.48$ 26.62$ 24.81$ 23.79$ 160.41$ 304.72$ 447.99$ 79.58$ 159.15$ 238.73$ 318.30$

72 18.38$ 16.97$ 16.07$ 27.59$ 25.76$ 24.73$ 165.00$ 313.50$ 460.82$ 79.58$ 159.15$ 238.73$ 318.30$

73 19.00$ 17.57$ 16.64$ 28.53$ 26.70$ 25.62$ 169.46$ 322.01$ 473.40$ 79.58$ 159.15$ 238.73$ 318.30$

74 19.54$ 18.08$ 17.16$ 29.43$ 27.57$ 26.48$ 173.78$ 330.26$ 485.44$ 79.58$ 159.15$ 238.73$ 318.30$

75 20.04$ 18.59$ 17.65$ 30.27$ 28.39$ 27.28$ 177.97$ 338.12$ 497.09$ 86.05$ 172.10$ 258.15$ 344.20$

76 20.48$ 19.04$ 18.10$ 31.05$ 29.12$ 28.00$ 181.90$ 345.72$ 508.09$ 86.05$ 172.10$ 258.15$ 344.20$

77 20.95$ 19.48$ 18.50$ 31.77$ 29.81$ 28.67$ 185.69$ 352.78$ 518.57$ 86.05$ 172.10$ 258.15$ 344.20$

78 21.29$ 19.84$ 18.86$ 32.40$ 30.43$ 29.27$ 189.09$ 359.34$ 528.26$ 86.05$ 172.10$ 258.15$ 344.20$

79 21.64$ 20.17$ 19.19$ 32.95$ 30.98$ 29.81$ 192.37$ 365.49$ 537.30$ 86.05$ 172.10$ 258.15$ 344.20$

80 21.92$ 20.46$ 19.49$ 33.46$ 31.46$ 30.27$ 195.25$ 370.99$ 545.41$ N/A N/A N/A N/A

81 22.16$ 20.70$ 19.70$ 33.83$ 31.82$ 30.64$ 197.87$ 376.09$ 552.88$ N/A N/A N/A N/A

82 22.38$ 20.89$ 19.91$ 34.17$ 32.14$ 30.94$ 200.22$ 380.55$ 559.30$ N/A N/A N/A N/A

83 22.58$ 21.10$ 20.09$ 34.50$ 32.45$ 31.24$ 202.32$ 384.34$ 564.93$ N/A N/A N/A N/A

84 22.78$ 21.29$ 20.29$ 34.80$ 32.76$ 31.55$ 203.90$ 387.49$ 569.51$ N/A N/A N/A N/A

85 22.97$ 21.49$ 20.47$ 35.16$ 33.11$ 31.88$ 205.21$ 389.84$ 573.05$ N/A N/A N/A N/A





Hospital Confinement Benefits Lump Sum Cancer Rider

21 Day Benefits Lump Sum Hospital Confinement Rider

Per $10/DAY Per $10/DAY

10 Day Benefits


Exhibit D-5 (cont.) Hospital Indemnity Rates

Age $250 $500 $750 $1,000

40 69.75$ 139.50$ 209.25$ 279.00$

41 71.25$ 142.50$ 213.75$ 285.00$

42 72.75$ 145.50$ 218.25$ 291.00$

43 74.25$ 148.50$ 222.75$ 297.00$

44 76.00$ 152.00$ 228.00$ 304.00$

45 77.50$ 155.00$ 232.50$ 310.00$

46 79.25$ 158.50$ 237.75$ 317.00$

47 81.00$ 162.00$ 243.00$ 324.00$

48 83.00$ 166.00$ 249.00$ 332.00$

49 85.25$ 170.50$ 255.75$ 341.00$

50 87.50$ 175.00$ 262.50$ 350.00$

51 90.50$ 181.00$ 271.50$ 362.00$

52 93.50$ 187.00$ 280.50$ 374.00$

53 97.25$ 194.50$ 291.75$ 389.00$

54 101.50$ 203.00$ 304.50$ 406.00$

55 106.25$ 212.50$ 318.75$ 425.00$

56 111.75$ 223.50$ 335.25$ 447.00$

57 118.25$ 236.50$ 354.75$ 473.00$

58 125.50$ 251.00$ 376.50$ 502.00$

59 133.75$ 267.50$ 401.25$ 535.00$

60 143.25$ 286.50$ 429.75$ 573.00$

61 154.00$ 308.00$ 462.00$ 616.00$

62 166.25$ 332.50$ 498.75$ 665.00$

63 180.00$ 360.00$ 540.00$ 720.00$

64 193.50$ 387.00$ 580.50$ 774.00$

65 193.50$ 387.00$ 580.50$ 774.00$

66 196.75$ 393.50$ 590.25$ 787.00$

67 200.00$ 400.00$ 600.00$ 800.00$

68 203.25$ 406.50$ 609.75$ 813.00$

69 206.25$ 412.50$ 618.75$ 825.00$

70 209.50$ 419.00$ 628.50$ 838.00$

71 209.75$ 419.50$ 629.25$ 839.00$

72 210.00$ 420.00$ 630.00$ 840.00$

73 210.00$ 420.00$ 630.00$ 840.00$

74 210.25$ 420.50$ 630.75$ 841.00$

75 210.50$ 421.00$ 631.50$ 842.00$

76 210.50$ 421.00$ 631.50$ 842.00$

77 210.50$ 421.00$ 631.50$ 842.00$

78 210.50$ 421.00$ 631.50$ 842.00$

79 210.50$ 421.00$ 631.50$ 842.00$

80 210.50$ 421.00$ 631.50$ 842.00$

81 210.50$ 421.00$ 631.50$ 842.00$

82 210.50$ 421.00$ 631.50$ 842.00$

83 210.50$ 421.00$ 631.50$ 842.00$

84 210.50$ 421.00$ 631.50$ 842.00$

85 210.50$ 421.00$ 631.50$ 842.00$





18.68$

19.30$

20.00$

20.81$

21.73$

22.79$

17.30$

17.69$

18.15$

54.15$

55.06$

56.00$

30.00$

30.00$

30.00$

30.00$

35.00$

37.63$

40.55$

43.76$

47.28$

56.30$

23.98$

25.34$

26.86$

28.57$

30.49$

32.62$

352.50$

390.95$

114.52$

128.33$

144.05$

161.79$

183.10$

205.83$

65.32$

74.34$

83.36$

92.38$

92.38$

102.62$

30.00$

30.00$

813.21$

Skilled Nursing Facility

RiderOutpatient Surgical Rider Ambulance Rider

30.00$

30.00$

30.00$

30.00$

432.98$

479.40$

532.74$

592.14$

658.33$

731.90$

230.24$

256.90$

285.83$

317.62$

30.00$

30.00$

30.00$

30.00$

40.00$

40.00$

30.00$

30.00$

30.00$

30.00$

30.00$

30.00$

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

N/A

N/A

N/A

N/A

N/A

40.00$

40.00$

40.00$

40.00$

40.00$

40.00$

63.34$

64.46$

65.58$

66.71$

67.82$

68.92$

56.97$

57.97$

59.00$

60.05$

61.13$

62.23$

76.00$

76.50$

77.74$

77.74$

82.14$

70.00$

71.04$

72.04$

72.99$

73.87$

74.67$

141.55$

Durable Medical Equipment Rider

30% of the First $1,000$200/Service$120/Day

132.14$

134.29$

135.95$

137.38$

138.81$

140.24$

113.45$

117.14$

120.71$

124.17$

127.14$

129.88$

86.67$

91.55$

96.07$

100.60$

104.88$

109.17$

75.39$


Exhibit D-5 (cont.) Hospital Indemnity Rates

AGE $5,000 $10,000

40 4.80$ 9.60$

41 4.80$ 9.60$

42 4.80$ 9.60$

43 4.80$ 9.60$

44 4.80$ 9.60$

45 4.80$ 9.60$

46 4.80$ 9.60$

47 4.80$ 9.60$

48 4.80$ 9.60$

49 4.80$ 9.60$

50 6.20$ 12.40$

51 6.20$ 12.40$

52 6.20$ 12.40$

53 6.20$ 12.40$

54 6.20$ 12.40$

55 6.20$ 12.40$

56 6.20$ 12.40$

57 6.20$ 12.40$

58 6.20$ 12.40$

59 6.20$ 12.40$

60 6.20$ 12.40$

61 6.20$ 12.40$

62 6.20$ 12.40$

63 6.20$ 12.40$

64 20.00$ 40.00$

65 20.00$ 40.00$

66 20.00$ 40.00$

67 20.00$ 40.00$

68 20.00$ 40.00$

69 20.00$ 40.00$

70 20.00$ 40.00$

71 20.00$ 40.00$

72 20.00$ 40.00$

73 20.00$ 40.00$

74 20.00$ 40.00$

75 20.00$ 40.00$

76 20.00$ 40.00$

77 20.00$ 40.00$

78 20.00$ 40.00$

79 20.00$ 40.00$

80 20.00$ 40.00$

81 N/A N/A

82 N/A N/A

83 N/A N/A

84 N/A N/A

85 N/A N/A





57.97$

59.00$

60.05$

61.13$

62.23$

63.34$

Accidental Death and

Dismemberment Rider

Durable Medical

Equipment Rider

54.15$

55.06$

56.00$

56.97$

82.14$

86.67$

71.04$

72.04$

72.99$

73.87$

74.67$

75.39$

64.46$

65.58$

66.71$

67.82$

68.92$

70.00$

30% of the First $1,000

134.29$

135.95$

137.38$

138.81$

140.24$

141.55$

117.14$

120.71$

124.17$

127.14$

129.88$

132.14$

91.55$

96.07$

100.60$

104.88$

109.17$

113.45$

76.00$

76.50$

77.74$

77.74$



Lump Sum Cancer

Rider


18-49 123.60$ 159.60$ 195.60$ 231.60$ 267.60$ 304.80$ 342.00$ 379.20$ 416.40$ 15.60$

50 140.40$ 181.20$ 222.00$ 264.00$ 304.80$ 346.80$ 388.80$ 430.80$ 472.80$ 16.80$

51 146.40$ 188.40$ 230.40$ 273.60$ 316.80$ 361.20$ 404.40$ 448.80$ 492.00$ 18.00$

52 153.60$ 198.00$ 242.40$ 286.80$ 331.20$ 376.80$ 422.40$ 468.00$ 513.60$ 18.00$

53 158.40$ 205.20$ 250.80$ 297.60$ 344.40$ 391.20$ 438.00$ 486.00$ 532.80$ 19.20$

54 164.40$ 212.40$ 260.40$ 308.40$ 356.40$ 404.40$ 453.60$ 502.80$ 552.00$ 20.40$

55 170.40$ 219.60$ 268.80$ 318.00$ 368.40$ 418.80$ 469.20$ 520.80$ 571.20$ 22.80$

56 175.20$ 226.80$ 277.20$ 328.80$ 380.40$ 433.20$ 484.80$ 537.60$ 590.40$ 24.00$

57 181.20$ 234.00$ 286.80$ 339.60$ 392.40$ 446.40$ 500.40$ 555.60$ 609.60$ 25.20$

58 188.40$ 243.60$ 297.60$ 352.80$ 409.20$ 464.40$ 520.80$ 577.20$ 633.60$ 26.40$

59 195.60$ 252.00$ 309.60$ 367.20$ 424.80$ 482.40$ 540.00$ 598.80$ 657.60$ 27.60$

60 202.80$ 261.60$ 320.40$ 380.40$ 440.40$ 500.40$ 560.40$ 621.60$ 682.80$ 30.00$

61 210.00$ 271.20$ 332.40$ 393.60$ 456.00$ 517.20$ 579.60$ 643.20$ 706.80$ 31.20$

62 217.20$ 280.80$ 344.40$ 408.00$ 471.60$ 535.20$ 600.00$ 664.80$ 730.80$ 32.40$

63 224.40$ 290.40$ 356.40$ 422.40$ 488.40$ 554.40$ 621.60$ 688.80$ 757.20$ 33.60$

64 232.80$ 300.00$ 368.40$ 436.80$ 505.20$ 573.60$ 643.20$ 712.80$ 783.60$ 34.80$

65 240.00$ 310.80$ 381.60$ 451.20$ 522.00$ 592.80$ 664.80$ 736.80$ 810.00$ 37.20$

66 248.40$ 320.40$ 393.60$ 466.80$ 538.80$ 612.00$ 686.40$ 760.80$ 836.40$ 38.40$

67 255.60$ 331.20$ 406.80$ 481.20$ 555.60$ 631.20$ 708.00$ 784.80$ 862.80$ 39.60$

68 266.40$ 344.40$ 422.40$ 500.40$ 577.20$ 656.40$ 735.60$ 816.00$ 896.40$ 40.80$

69 276.00$ 356.40$ 438.00$ 518.40$ 598.80$ 681.60$ 763.20$ 846.00$ 930.00$ 40.80$

70 285.60$ 369.60$ 453.60$ 537.60$ 621.60$ 705.60$ 790.80$ 877.20$ 963.60$ 42.00$

71 296.40$ 382.80$ 469.20$ 555.60$ 643.20$ 730.80$ 818.40$ 907.20$ 997.20$ 42.00$

72 306.00$ 394.80$ 484.80$ 574.80$ 664.80$ 754.80$ 846.00$ 938.40$ 1,030.80$ 43.20$

73 315.60$ 408.00$ 499.20$ 592.80$ 685.20$ 778.80$ 871.20$ 967.20$ 1,062.00$ 43.20$

74 324.00$ 420.00$ 514.80$ 609.60$ 705.60$ 801.60$ 897.60$ 996.00$ 1,094.40$ 44.40$

75 333.60$ 432.00$ 529.20$ 627.60$ 726.00$ 824.40$ 924.00$ 1,024.80$ 1,125.60$ 44.40$

76 343.20$ 444.00$ 544.80$ 645.60$ 746.40$ 847.20$ 949.20$ 1,053.60$ 1,156.80$ 45.60$

77 352.80$ 456.00$ 559.20$ 662.40$ 766.80$ 871.20$ 975.60$ 1,082.40$ 1,188.00$ 45.60$

78 360.00$ 465.60$ 571.20$ 676.80$ 782.40$ 889.20$ 996.00$ 1,104.00$ 1,213.20$ 45.60$

79 367.20$ 475.20$ 582.00$ 690.00$ 798.00$ 907.20$ 1,015.20$ 1,126.80$ 1,237.20$ 45.60$

80 374.40$ 483.60$ 594.00$ 703.20$ 813.60$ 924.00$ 1,035.60$ 1,148.40$ 1,262.40$ 45.60$

81 381.60$ 493.20$ 606.00$ 717.60$ 829.20$ 942.00$ 1,056.00$ 1,171.20$ 1,286.40$ 45.60$

82 387.60$ 502.80$ 616.80$ 730.80$ 844.80$ 960.00$ 1,076.40$ 1,194.00$ 1,310.40$ 45.60$

83 394.80$ 511.20$ 628.80$ 744.00$ 860.40$ 978.00$ 1,096.80$ 1,215.60$ 1,335.60$ 45.60$

84 402.00$ 520.80$ 640.80$ 758.40$ 876.00$ 997.20$ 1,117.20$ 1,239.60$ 1,360.80$ 45.60$

85 409.20$ 530.40$ 652.80$ 772.80$ 892.80$ 1,015.20$ 1,138.80$ 1,262.40$ 1,387.20$ 45.60$








Lump Sum Cancer

Rider


18-49 174.00$ 225.60$ 277.20$ 330.00$ 382.80$ 434.40$ 486.00$ 538.80$ 591.60$ 15.60$

50 196.80$ 255.60$ 314.40$ 375.60$ 435.60$ 494.40$ 553.20$ 613.20$ 672.00$ 16.80$

51 205.20$ 266.40$ 326.40$ 390.00$ 453.60$ 514.80$ 574.80$ 637.20$ 699.60$ 18.00$

52 216.00$ 278.40$ 342.00$ 406.80$ 472.80$ 536.40$ 601.20$ 664.80$ 729.60$ 18.00$

53 223.20$ 289.20$ 354.00$ 422.40$ 489.60$ 556.80$ 622.80$ 690.00$ 757.20$ 19.20$

54 231.60$ 298.80$ 366.00$ 436.80$ 507.60$ 577.20$ 645.60$ 715.20$ 783.60$ 20.40$

55 238.80$ 308.40$ 379.20$ 452.40$ 525.60$ 596.40$ 667.20$ 739.20$ 811.20$ 22.80$

56 247.20$ 319.20$ 391.20$ 466.80$ 543.60$ 616.80$ 690.00$ 764.40$ 837.60$ 24.00$

57 254.40$ 328.80$ 404.40$ 482.40$ 560.40$ 636.00$ 712.80$ 788.40$ 865.20$ 25.20$

58 265.20$ 343.20$ 420.00$ 501.60$ 583.20$ 662.40$ 740.40$ 820.80$ 900.00$ 26.40$

59 274.80$ 356.40$ 436.80$ 520.80$ 606.00$ 687.60$ 769.20$ 852.00$ 934.80$ 27.60$

60 285.60$ 369.60$ 453.60$ 541.20$ 628.80$ 712.80$ 798.00$ 883.20$ 969.60$ 30.00$

61 296.40$ 382.80$ 469.20$ 560.40$ 650.40$ 738.00$ 825.60$ 915.60$ 1,004.40$ 31.20$

62 306.00$ 396.00$ 486.00$ 579.60$ 673.20$ 763.20$ 854.40$ 946.80$ 1,039.20$ 32.40$

63 316.80$ 410.40$ 502.80$ 600.00$ 697.20$ 790.80$ 884.40$ 980.40$ 1,076.40$ 33.60$

64 327.60$ 424.80$ 520.80$ 620.40$ 721.20$ 818.40$ 915.60$ 1,014.00$ 1,113.60$ 34.80$

65 339.60$ 438.00$ 537.60$ 642.00$ 745.20$ 846.00$ 945.60$ 1,048.80$ 1,150.80$ 37.20$

66 350.40$ 452.40$ 555.60$ 662.40$ 769.20$ 872.40$ 976.80$ 1,082.40$ 1,188.00$ 38.40$

67 361.20$ 466.80$ 572.40$ 682.80$ 793.20$ 900.00$ 1,006.80$ 1,116.00$ 1,225.20$ 39.60$

68 375.60$ 484.80$ 595.20$ 709.20$ 824.40$ 934.80$ 1,046.40$ 1,159.20$ 1,273.20$ 40.80$

69 388.80$ 502.80$ 616.80$ 735.60$ 854.40$ 970.80$ 1,086.00$ 1,203.60$ 1,321.20$ 40.80$

70 403.20$ 520.80$ 639.60$ 762.00$ 885.60$ 1,005.60$ 1,124.40$ 1,246.80$ 1,368.00$ 42.00$

71 416.40$ 538.80$ 661.20$ 789.60$ 916.80$ 1,040.40$ 1,164.00$ 1,290.00$ 1,416.00$ 42.00$

72 430.80$ 558.00$ 684.00$ 816.00$ 946.80$ 1,075.20$ 1,203.60$ 1,333.20$ 1,464.00$ 43.20$

73 444.00$ 574.80$ 705.60$ 841.20$ 976.80$ 1,108.80$ 1,239.60$ 1,374.00$ 1,508.40$ 43.20$

74 457.20$ 591.60$ 726.00$ 865.20$ 1,005.60$ 1,141.20$ 1,276.80$ 1,414.80$ 1,554.00$ 44.40$

75 470.40$ 608.40$ 746.40$ 890.40$ 1,034.40$ 1,174.80$ 1,314.00$ 1,455.60$ 1,598.40$ 44.40$

76 483.60$ 625.20$ 768.00$ 915.60$ 1,064.40$ 1,207.20$ 1,351.20$ 1,496.40$ 1,642.80$ 45.60$

77 496.80$ 643.20$ 788.40$ 940.80$ 1,093.20$ 1,240.80$ 1,388.40$ 1,538.40$ 1,688.40$ 45.60$

78 507.60$ 656.40$ 805.20$ 960.00$ 1,116.00$ 1,266.00$ 1,417.20$ 1,569.60$ 1,723.20$ 45.60$

79 517.20$ 669.60$ 820.80$ 979.20$ 1,137.60$ 1,291.20$ 1,444.80$ 1,602.00$ 1,758.00$ 45.60$

80 528.00$ 682.80$ 837.60$ 999.60$ 1,160.40$ 1,317.60$ 1,473.60$ 1,633.20$ 1,792.80$ 45.60$

81 537.60$ 696.00$ 854.40$ 1,018.80$ 1,183.20$ 1,342.80$ 1,502.40$ 1,664.40$ 1,827.60$ 45.60$

82 548.40$ 709.20$ 870.00$ 1,038.00$ 1,206.00$ 1,368.00$ 1,531.20$ 1,696.80$ 1,861.20$ 45.60$

83 559.20$ 722.40$ 886.80$ 1,057.20$ 1,228.80$ 1,394.40$ 1,560.00$ 1,729.20$ 1,897.20$ 45.60$

84 568.80$ 736.80$ 903.60$ 1,077.60$ 1,251.60$ 1,420.80$ 1,590.00$ 1,761.60$ 1,933.20$ 45.60$

85 579.60$ 751.20$ 921.60$ 1,098.00$ 1,275.60$ 1,447.20$ 1,620.00$ 1,795.20$ 1,969.20$ 45.60$








Lump Sum Cancer

Rider


18-49 244.80$ 326.40$ 408.00$ 488.40$ 570.00$ 651.60$ 733.20$ 816.00$ 900.00$ 15.60$

50 278.40$ 370.80$ 463.20$ 555.60$ 649.20$ 741.60$ 834.00$ 928.80$ 1,022.40$ 16.80$

51 289.20$ 385.20$ 482.40$ 578.40$ 675.60$ 771.60$ 867.60$ 966.00$ 1,064.40$ 18.00$

52 302.40$ 403.20$ 502.80$ 603.60$ 704.40$ 805.20$ 906.00$ 1,008.00$ 1,111.20$ 18.00$

53 313.20$ 417.60$ 522.00$ 626.40$ 729.60$ 835.20$ 939.60$ 1,046.40$ 1,152.00$ 19.20$

54 324.00$ 432.00$ 540.00$ 648.00$ 756.00$ 864.00$ 973.20$ 1,083.60$ 1,194.00$ 20.40$

55 334.80$ 447.60$ 559.20$ 670.80$ 782.40$ 894.00$ 1,006.80$ 1,120.80$ 1,234.80$ 22.80$

56 346.80$ 462.00$ 577.20$ 692.40$ 808.80$ 924.00$ 1,040.40$ 1,158.00$ 1,275.60$ 24.00$

57 357.60$ 476.40$ 596.40$ 715.20$ 835.20$ 954.00$ 1,074.00$ 1,195.20$ 1,317.60$ 25.20$

58 372.00$ 495.60$ 620.40$ 744.00$ 867.60$ 992.40$ 1,116.00$ 1,243.20$ 1,370.40$ 26.40$

59 386.40$ 514.80$ 643.20$ 772.80$ 901.20$ 1,030.80$ 1,159.20$ 1,291.20$ 1,423.20$ 27.60$

60 400.80$ 534.00$ 667.20$ 800.40$ 934.80$ 1,068.00$ 1,202.40$ 1,339.20$ 1,476.00$ 30.00$

61 415.20$ 553.20$ 691.20$ 829.20$ 967.20$ 1,106.40$ 1,244.40$ 1,386.00$ 1,528.80$ 31.20$

62 429.60$ 572.40$ 715.20$ 858.00$ 1,000.80$ 1,144.80$ 1,287.60$ 1,434.00$ 1,581.60$ 32.40$

63 445.20$ 592.80$ 740.40$ 889.20$ 1,036.80$ 1,185.60$ 1,334.40$ 1,485.60$ 1,638.00$ 33.60$

64 460.80$ 613.20$ 766.80$ 920.40$ 1,072.80$ 1,226.40$ 1,380.00$ 1,537.20$ 1,695.60$ 34.80$

65 476.40$ 633.60$ 792.00$ 950.40$ 1,108.80$ 1,268.40$ 1,426.80$ 1,588.80$ 1,752.00$ 37.20$

66 490.80$ 655.20$ 818.40$ 981.60$ 1,144.80$ 1,309.20$ 1,472.40$ 1,640.40$ 1,808.40$ 38.40$

67 506.40$ 675.60$ 844.80$ 1,012.80$ 1,180.80$ 1,350.00$ 1,519.20$ 1,692.00$ 1,864.80$ 39.60$

68 526.80$ 702.00$ 877.20$ 1,052.40$ 1,227.60$ 1,402.80$ 1,578.00$ 1,758.00$ 1,938.00$ 40.80$

69 546.00$ 728.40$ 910.80$ 1,092.00$ 1,273.20$ 1,455.60$ 1,638.00$ 1,824.00$ 2,010.00$ 40.80$

70 565.20$ 754.80$ 943.20$ 1,131.60$ 1,318.80$ 1,508.40$ 1,696.80$ 1,890.00$ 2,083.20$ 42.00$

71 585.60$ 780.00$ 975.60$ 1,170.00$ 1,365.60$ 1,561.20$ 1,755.60$ 1,956.00$ 2,155.20$ 42.00$

72 604.80$ 806.40$ 1,008.00$ 1,209.60$ 1,411.20$ 1,612.80$ 1,815.60$ 2,022.00$ 2,227.20$ 43.20$

73 622.80$ 831.60$ 1,039.20$ 1,246.80$ 1,454.40$ 1,663.20$ 1,870.80$ 2,083.20$ 2,295.60$ 43.20$

74 642.00$ 855.60$ 1,070.40$ 1,284.00$ 1,497.60$ 1,712.40$ 1,926.00$ 2,145.60$ 2,364.00$ 44.40$

75 660.00$ 880.80$ 1,100.40$ 1,321.20$ 1,540.80$ 1,761.60$ 1,982.40$ 2,206.80$ 2,432.40$ 44.40$

76 679.20$ 904.80$ 1,131.60$ 1,358.40$ 1,585.20$ 1,810.80$ 2,037.60$ 2,269.20$ 2,500.80$ 45.60$

77 697.20$ 930.00$ 1,162.80$ 1,395.60$ 1,628.40$ 1,860.00$ 2,092.80$ 2,331.60$ 2,569.20$ 45.60$

78 711.60$ 949.20$ 1,186.80$ 1,424.40$ 1,660.80$ 1,898.40$ 2,136.00$ 2,378.40$ 2,622.00$ 45.60$

79 726.00$ 968.40$ 1,210.80$ 1,452.00$ 1,694.40$ 1,936.80$ 2,179.20$ 2,426.40$ 2,674.80$ 45.60$

80 740.40$ 987.60$ 1,233.60$ 1,480.80$ 1,728.00$ 1,975.20$ 2,221.20$ 2,474.40$ 2,727.60$ 45.60$

81 754.80$ 1,005.60$ 1,257.60$ 1,509.60$ 1,760.40$ 2,012.40$ 2,264.40$ 2,522.40$ 2,780.40$ 45.60$

82 769.20$ 1,024.80$ 1,281.60$ 1,538.40$ 1,794.00$ 2,050.80$ 2,307.60$ 2,570.40$ 2,833.20$ 45.60$

83 783.60$ 1,044.00$ 1,305.60$ 1,567.20$ 1,828.80$ 2,089.20$ 2,350.80$ 2,619.60$ 2,887.20$ 45.60$

84 798.00$ 1,064.40$ 1,329.60$ 1,597.20$ 1,863.60$ 2,128.80$ 2,395.20$ 2,668.80$ 2,942.40$ 45.60$

85 813.60$ 1,084.80$ 1,354.80$ 1,627.20$ 1,898.40$ 2,169.60$ 2,440.80$ 2,719.20$ 2,998.80$ 45.60$








Standardw/ Cancer Rider Standard

w/ Cancer Rider Standardw/ Cancer Rider

Issue Age

50 140.71$ 222.43$ 163.94$ 245.66$ 189.18$ 270.90$

51 148.13$ 235.54$ 172.85$ 260.26$ 199.77$ 287.18$

52 156.02$ 249.42$ 182.37$ 275.77$ 211.21$ 304.61$

53 164.51$ 264.20$ 192.68$ 292.37$ 223.74$ 323.43$

54 173.29$ 279.51$ 203.42$ 309.64$ 236.86$ 343.08$

55 182.41$ 295.37$ 214.71$ 327.67$ 250.73$ 363.69$

56 191.97$ 311.87$ 226.67$ 346.57$ 265.51$ 385.41$

57 202.01$ 329.01$ 239.39$ 366.39$ 281.33$ 408.33$

58 212.68$ 346.92$ 253.08$ 387.32$ 298.48$ 432.72$

59 224.33$ 365.94$ 268.16$ 409.77$ 317.40$ 459.01$

60 237.21$ 386.29$ 284.93$ 434.01$ 338.51$ 487.59$

61 251.64$ 408.25$ 303.86$ 460.47$ 362.38$ 518.99$

62 268.10$ 432.26$ 325.57$ 489.73$ 389.81$ 553.97$

63 287.46$ 459.14$ 351.14$ 522.82$ 422.14$ 593.82$

64 306.52$ 485.49$ 376.97$ 555.94$ 455.05$ 634.02$

65 325.26$ 511.20$ 403.16$ 589.10$ 488.72$ 674.66$

66 343.53$ 536.03$ 429.70$ 622.20$ 523.22$ 715.72$

67 361.28$ 559.86$ 456.80$ 655.38$ 558.90$ 757.48$

68 378.26$ 582.38$ 484.54$ 688.66$ 596.06$ 800.18$

69 395.25$ 604.38$ 513.12$ 722.25$ 634.50$ 843.63$

70 412.35$ 625.94$ 542.78$ 756.37$ 674.58$ 888.17$

71 429.58$ 647.05$ 573.88$ 791.35$ 716.82$ 934.29$

72 446.98$ 667.74$ 606.86$ 827.62$ 761.90$ 982.66$

73 464.75$ 688.17$ 642.62$ 866.04$ 811.12$ 1,034.54$

74 482.39$ 707.99$ 679.09$ 904.69$ 861.39$ 1,086.99$

75 499.91$ 727.22$ 716.51$ 943.82$ 913.05$ 1,140.36$

76 517.33$ 745.90$ 755.28$ 983.85$ 966.64$ 1,195.21$

77 534.60$ 763.97$ 795.92$ 1,025.29$ 1,022.96$ 1,252.33$

78 551.79$ 781.49$ 839.42$ 1,069.12$ 1,083.36$ 1,313.06$

79 568.74$ 798.33$ 883.62$ 1,113.21$ 1,144.84$ 1,374.43$

80 585.39$ 814.42$ 928.72$ 1,157.75$ 1,207.72$ 1,436.75$

81 601.72$ 829.71$ 975.24$ 1,203.23$ 1,272.72$ 1,500.71$

82 617.71$ 844.08$ 1,024.03$ 1,250.40$ 1,341.07$ 1,567.44$

83 633.37$ 857.38$ 1,076.67$ 1,300.68$ 1,415.05$ 1,639.06$

84 647.79$ 869.62$ 1,125.89$ 1,347.72$ 1,484.31$ 1,706.14$

85 660.70$ 880.65$ 1,170.67$ 1,390.62$ 1,547.41$ 1,767.36$





$1,250$1,000$750

Hospital Confinement Benefit



Issue

AgeBase Policy Hospital Benefit

Physician

Indemnity

Benefit

At-Home Nurse

Benefit

Skilled Nursing

Facility BenefitBase Policy Hospital Benefit

Physician

Indemnity

Benefit

At-Home Nurse

Benefit

Skilled Nursing

Facility Benefit

18-49 $257.06 $78.27 $321.18 $58.67 $15.36 $231.35 $70.44 $289.06 $52.80 $13.82

50 $274.78 $82.51 $331.06 $61.46 $16.90 $247.30 $74.26 $297.95 $55.31 $15.21

51 $293.33 $86.98 $341.09 $64.29 $18.57 $264.00 $78.28 $306.98 $57.86 $16.71

52 $312.05 $91.69 $351.26 $67.14 $20.42 $280.85 $82.52 $316.13 $60.43 $18.38

53 $325.90 $96.31 $361.06 $72.30 $22.24 $293.31 $86.68 $324.95 $65.07 $20.02

54 $339.39 $101.16 $370.86 $77.84 $24.20 $305.45 $91.04 $333.77 $70.06 $21.78

55 $352.53 $106.25 $380.64 $83.80 $26.35 $317.28 $95.63 $342.58 $75.42 $23.72

56 $365.35 $111.60 $390.44 $90.21 $28.69 $328.82 $100.44 $351.40 $81.19 $25.82

57 $377.86 $117.21 $400.24 $97.07 $31.23 $340.07 $105.49 $360.22 $87.36 $28.11

58 $391.47 $123.12 $412.43 $104.46 $33.99 $352.32 $110.81 $371.19 $94.01 $30.59

59 $404.91 $129.32 $424.62 $112.37 $37.00 $364.42 $116.39 $382.16 $101.13 $33.30

60 $418.20 $135.82 $436.82 $120.88 $40.27 $376.38 $122.24 $393.14 $108.79 $36.24

61 $431.35 $142.66 $449.01 $130.00 $43.83 $388.22 $128.39 $404.11 $117.00 $39.45

62 $444.36 $149.85 $461.20 $139.79 $47.69 $399.92 $134.87 $415.08 $125.81 $42.92

63 $457.24 $157.40 $477.69 $150.27 $51.89 $411.52 $141.66 $429.92 $135.24 $46.70

64 $469.98 $165.32 $494.17 $161.53 $56.47 $422.98 $148.79 $444.75 $145.38 $50.82

65 $482.58 $173.64 $510.64 $173.58 $61.44 $434.32 $156.28 $459.58 $156.22 $55.30

66 $493.19 $182.38 $527.12 $186.50 $66.85 $443.87 $164.14 $474.41 $167.85 $60.17

67 $504.58 $191.56 $543.60 $200.34 $72.72 $454.12 $172.40 $489.24 $180.31 $65.45

68 $527.23 $201.03 $556.31 $215.41 $77.89 $474.51 $180.93 $500.68 $193.87 $70.10

69 $551.50 $210.96 $568.96 $231.57 $83.41 $496.35 $189.86 $512.06 $208.41 $75.07

70 $576.76 $221.39 $581.55 $248.88 $89.32 $519.08 $199.25 $523.40 $223.99 $80.39

71 $602.98 $232.34 $594.10 $267.45 $95.64 $542.68 $209.11 $534.69 $240.71 $86.08

72 $630.19 $243.81 $606.59 $287.34 $102.40 $567.17 $219.43 $545.93 $258.61 $92.16

73 $651.37 $255.87 $618.22 $308.64 $109.63 $586.23 $230.28 $556.40 $277.78 $98.67

74 $673.10 $268.50 $629.79 $331.46 $117.37 $605.79 $241.65 $566.81 $298.31 $105.63

75 $695.22 $281.78 $641.32 $355.87 $125.63 $625.70 $253.60 $577.19 $320.28 $113.07

76 $717.78 $295.70 $652.79 $382.00 $134.47 $646.00 $266.13 $587.51 $343.80 $121.02

77 $740.68 $310.31 $664.21 $409.94 $143.91 $666.61 $279.28 $597.79 $368.95 $129.52

78 $753.25 $325.65 $672.16 $439.82 $154.02 $677.93 $293.09 $604.94 $395.84 $138.62

79 $764.85 $341.74 $680.07 $471.77 $164.81 $688.37 $307.57 $612.06 $424.59 $148.33

80 $775.76 $358.63 $687.94 $505.89 $176.34 $698.18 $322.77 $619.15 $455.30 $158.71

81 $786.05 $376.35 $695.78 $542.35 $188.68 $707.45 $338.72 $626.20 $488.12 $169.81

82 $795.63 $394.95 $703.58 $581.26 $201.85 $716.07 $355.46 $633.22 $523.13 $181.67

83 $833.14 $414.46 $711.47 $622.96 $215.94 $749.83 $373.01 $640.32 $560.66 $194.35

84 $872.53 $434.94 $719.44 $667.67 $231.01 $785.28 $391.45 $647.50 $600.90 $207.91





Two or More People at the Same AddressIndividual Applicant



Base Plan

$500 for Hospital

Admission Benefit

Each Additional $100

Daily room Benefit

Age

<39 168.00$ 32.00$ 59.00$

40-49 230.00$ 54.00$ 97.00$

50-59 325.00$ 84.00$ 163.00$

60-64 454.00$ 126.00$ 250.00$

65-69 602.00$ 210.00$ 317.00$

70-74 771.00$ 284.00$ 413.00$

Age

<39 241.00$ 56.00$ 107.00$

40-49 353.00$ 100.00$ 176.00$

50-59 525.00$ 154.00$ 294.00$

60-64 758.00$ 230.00$ 452.00$

65-69 1,029.00$ 382.00$ 574.00$

70-74 1,335.00$ 514.00$ 748.00$

Age

<39 301.00$ 74.00$ 151.00$

40-49 397.00$ 108.00$ 212.00$

50-59 425.00$ 116.00$ 231.00$

60-64 521.00$ 148.00$ 295.00$

65-69 665.00$ 230.00$ 361.00$

70-74 834.00$ 304.00$ 457.00$

Age

<39 374.00$ 98.00$ 199.00$

40-49 520.00$ 152.00$ 291.00$

50-59 625.00$ 184.00$ 363.00$

60-64 825.00$ 250.00$ 498.00$

65-69 1,093.00$ 402.00$ 617.00$

70-74 1,398.00$ 534.00$ 791.00$





Individual

Two Adults

One Parent Family

Two Parent Family



AgeIndividual Two Adults

One Parent

Family

Two Parent

Family

18-49 11.65$ 22.75$ 19.80$ 25.40$

50-59 14.05$ 27.35$ 21.30$ 29.10$

60-69 19.40$ 37.50$ 26.30$ 38.90$

70+ 25.40$ 48.90$ 31.90$ 49.90$






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