Page 56 - Cover Letter and Evaluation for Paul Howell
P. 56

2018
                     Amount
                                             04/01/2018        5.0%                        National      State
          65         $          -72.7%
                     130.19                  05/01/2019        14.0%            Lives      8,154         503
                     /mo
                                             Average           9.5%             Premium    $11,156,024   $641,174
          66         $          0.0%
                     130.19                                                     Loss       85.06%        101.19%
                     /mo                                                        Ratio
          67         $          0.0%                                            Market     0.04%         0.09%
                     130.19                                                     %
                     /mo
          68         $          4.4%
                     135.96
                     /mo
          Average               -17.1%



         $478.04 /mo      USAA Life Insurance Company

                          Parent: United Serv          Plan: G                      Years in Market: 28
                          Automobile Assn Grp          AM Best Rating: A++ (Outlook  S&P Rating: AA+
                                                       Stable)                      Effective Date: 08/01/2019
                          Rate Type: Attained age      Rating Class: n/a


        Age Increases                       Increase History                   Market Data

          Age        Monthly    Increase     Date              Amount                      Year:
                                                                                           2018
                     Amount
                                             08/01/2018        0.0%                        National       State
          65         $          -74.4%
                     122.40                  08/01/2019        -6.0%            Lives      148,983        2,117
                     /mo
                                             Average           -3.0%            Premium    $347,290,961   $4,787,199
          66         $          0.7%
                     123.25                                                     Loss       77.75%         75.77%
                     /mo                                                        Ratio
          67         $          0.7%                                            Market     1.09%          0.69%
                     124.10                                                     %
                     /mo
          68         $          1.6%
                     126.14
                     /mo
          Average               -17.8%


         $487.77 /mo      New Era Life Insurance Company Of The Midwest


           HH Discount    Parent: New Era Life Grp     Plan: G                      Years in Market: 13
             6.0%         AM Best Rating: B++ (Outlook  S&P Rating: B               Effective Date: 01/01/2020
                          Stable)                      Rate Type: Attained age      Rating Class: n/a
            Policy Fee
            $20.00


        Age Increases                       Increase History                   Market Data
                                                                                           Year:
          Age        Monthly    Increase     Date              Amount                      2018
                     Amount
                                             01/01/2020        5.0%                        National      State
          65         $          -76.5%
                     114.62                  Average           5.0%             Lives      23,236        1,541
                     /mo
                                                                                Premium    $48,414,360   $2,505,197
          66         $          0.0%
                     114.62                                                     Loss       83.70%        70.17%
                     /mo                                                        Ratio
          67         $          0.0%                                            Market     0.15%         0.36%
                     114.62                                                     %
                     /mo
          68         $          0.0%
                     114.62
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