Page 55 - Cover Letter and Evaluation for Paul Howell

$471.10 /mo Renaissance Life & Health Insurance Company Of America

HH Discount Parent: Renaissance Hlth Plan: G Years in Market: 4
12.0% Serv Corp Grp AM Best Rating: A (Outlook S&P Rating: n/a
Stable) Effective Date: 08/12/2019
Policy Fee Rate Type: Attained age Rating Class: n/a
$25.00

Age Increases Increase History Market Data
Year:
Age Monthly Increase Date Amount 2018
Amount
08/31/2017 -2.0% National State
65 $ -72.7%
128.72 09/24/2018 0.0% Lives 842 49
/mo
08/12/2019 8.0% Premium $2,896,774 $145,010
66 $ 0.0%
128.72 Average 2.0% Loss 73.86% 91.18%
/mo Ratio
67 $ 0.0% Market 0.01% 0.02%
128.72 %
/mo
68 $ 4.5%
134.55
/mo
Average -17.0%

$473.40 /mo Everest Reinsurance Company

HH Discount Parent: Everest Reins Plan: G Years in Market: 4
7.0% Holdings Grp AM Best Rating: A+ (Outlook S&P Rating: n/a
Stable) Effective Date: 12/01/2019
Policy Fee Rate Type: Attained age Rating Class: n/a
$25.00

Age Increases Increase History Market Data
Age Monthly Increase Date Amount Year:
2018
Amount
12/01/2018 0.0% National State
65 $ -72.7%
129.34 12/01/2019 20.0% Lives 33,948 672
/mo
Average 10.0% Premium $50,004,452 $554,388
66 $ 0.0%
129.34 Loss 89.09% 86.22%
/mo Ratio
67 $ 0.0% Market 0.16% 0.08%
129.34 %
/mo
68 $ 2.4%
132.44
/mo
Average -17.6%

$476.48 /mo Liberty Bankers Life Insurance Company

HH Discount Parent: Heritage Guar Grp Plan: G Years in Market: 4
7.0% AM Best Rating: B++ (Outlook S&P Rating: n/a Effective Date: 05/01/2019
Positive) Rate Type: Attained age Rating Class: No Tob/Nicotine
Policy Fee & w/i Preferred Ht/Wt
$25.00 Range

Age Increases Increase History Market Data
Year:
Age Monthly Increase Date Amount 2018
Amount