Page 51 - Cover Letter and Evaluation for Paul Howell
P. 51

Age Increases                       Increase History                   Market Data

          Age        Monthly    Increase     Date              Amount                      Year:
                                                                                           2018
                     Amount
                                             04/01/2019        3.5%                        National      State
          65         $          -72.7%
                     110.17                  Average           3.5%             Lives      14,080        1,599
                     /mo
                                                                                Premium    $10,967,455   $1,119,706
          66         $          0.0%
                     110.17                                                     Loss       80.83%        73.37%
                     /mo                                                        Ratio
          67         $          0.0%                                            Market     0.03%         0.16%
                     110.17                                                     %
                     /mo
          68         $          3.7%
                     114.25
                     /mo
          Average               -17.2%



         $422.63 /mo      United World Life Insurance Company

           HH Discount    Parent: Mutual Of Omaha Grp  Plan: G                      Years in Market: 16
             12.0%        AM Best Rating: A+ (Outlook  S&P Rating: A+               Effective Date: 08/23/2019
                          Stable)                      Rate Type: Attained age      Rating Class: n/a


        Age Increases                       Increase History                   Market Data
                                                                                           Year:
          Age        Monthly    Increase     Date             Amount                       2018
                     Amount
                                             n/a              n/a                          National       State
          65         $          -71.4%
                     120.75                  Average          n/a               Lives      260,451        660
                     /mo
                                                                                Premium    $434,609,186   $3,185,423
          66         $          0.0%
                     120.75                                                     Loss       73.26%         55.37%
                     /mo                                                        Ratio
          67         $          0.0%                                            Market     1.37%          0.46%
                     120.75                                                     %
                     /mo
          68         $          2.0%
                     123.16
                     /mo
          Average               -17.4%



         $423.96 /mo      Prosperity Life Group

           HH Discount    Parent: Reservoir Capital Grp  Plan: G                    Years in Market: 4
             7.0%         AM Best Rating: A- (Outlook  S&P Rating: n/a              Effective Date: 09/01/2019
                          Stable)                      Rate Type: Attained age      Rating Class: n/a
            Policy Fee
            $25.00


        Age Increases                       Increase History                   Market Data
          Age        Monthly    Increase     Date              Amount                      Year:
                                                                                           2018
                     Amount
                                             09/01/2018        2.0%                        National     State
          65         $          -72.8%
                     115.52                  09/01/2019        2.0%             Lives      7,767        159
                     /mo
                                             Average           2.0%             Premium    $9,446,750   $150,757
          66         $          0.0%
                     115.52                                                     Loss       69.13%       52.40%
                     /mo                                                        Ratio
          67         $          0.0%                                            Market     0.03%        0.02%
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