Page 57 - Cover Letter and Evaluation for Paul Howell
P. 57

114.62
                     /mo
          Average               -19.1%



         $491.24 /mo      Individual Assurance Company, Life, Health & Accident

           HH Discount    Parent: Iac Grp              Plan: G                      Years in Market: 6
             7.0%         AM Best Rating: B+ (Outlook  S&P Rating: n/a              Effective Date: 03/01/2019
                          Stable)                      Rate Type: Attained age      Rating Class: n/a
            Policy Fee
            $25.00


        Age Increases                       Increase History                   Market Data
                                                                                           Year:
          Age        Monthly    Increase     Date              Amount                      2018
                     Amount
                                             02/01/2016        0.0%                        National      State
          65         $          -72.7%
                     134.22                  02/01/2017        4.0%             Lives      38,907        177
                     /mo
                                             02/01/2018        7.0%             Premium    $84,208,400   $337,889
          66         $          0.5%
                     134.89                  03/01/2019        7.0%             Loss       89.09%        119.47%
                     /mo                                                        Ratio
                                             Average           4.5%
          67         $          0.5%                                            Market     0.27%         0.05%
                     135.57                                                     %
                     /mo
          68         $          4.4%
                     141.58
                     /mo

          Average               -16.8%


         $493.26 /mo      State Farm Mutual Automobile Insurance Company


                          Parent: State Farm Grp       Plan: G                      Years in Market: 39
                          AM Best Rating: A++ (Outlook  S&P Rating: AA              Effective Date: 01/01/2019
                          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         $          -73.3%
                     131.50                  Average          n/a               Lives      212,792        6,022
                     /mo
                                                                                Premium    $577,227,884   $15,718,624
          66         $          8.5%
                     142.72                                                     Loss       75.41%         73.97%
                     /mo                                                        Ratio
          67         $          5.6%                                            Market     1.82%          2.25%
                     150.71                                                     %
                     /mo
          68         $          5.2%
                     158.61
                     /mo
          Average               -13.5%



         $516.37 /mo      Cigna Health And Life Insurance Company

           HH Discount    Parent: Cigna Hlth Grp       Plan: G                      Years in Market: 4
             7.0%         AM Best Rating: A (Outlook   S&P Rating: n/a              Effective Date: 10/01/2019
                          Stable)                      Rate Type: Attained age      Rating Class: n/a


        Age Increases                       Increase History                   Market Data
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