Page 61 - Cover Letter and Evaluation for Paul Howell
P. 61

/mo                                                        Ratio
                                             Average           8.8%
          67         $          0.5%                                            Market     0.07%         0.10%
                     162.52                                                     %
                     /mo
          68         $          4.4%
                     169.72
                     /mo

          Average               -16.8%



         $600.80 /mo      Oxford Life Insurance Company

            Policy Fee    Parent: Amerco Corp Grp      Plan: G                      Years in Market: 21
            $15.00        AM Best Rating: A- (Outlook  S&P Rating: A--              Effective Date: 11/01/2019
                          Positive)                    Rate Type: Attained age      Rating Class: n/a


        Age Increases                       Increase History                   Market Data
          Age        Monthly    Increase     Date              Amount                      Year:
                                                                                           2018
                     Amount
                                             09/01/2017        0.0%                        National      State
          65         $          -76.6%
                     140.75                  09/15/2018        0.0%             Lives      13,186        464
                     /mo
                                             11/01/2019        7.0%             Premium    $40,038,827   $1,410,424
          66         $          0.0%         Average           2.3%
                     140.75                                                     Loss       94.03%        80.65%
                     /mo                                                        Ratio
          67         $          0.0%                                            Market     0.13%         0.20%
                     140.75                                                     %
                     /mo
          68         $          0.0%
                     140.75
                     /mo
          Average               -19.1%



         $607.13 /mo      Bankers Fidelity Assurance Company

           HH Discount    Parent: Atlantic Amer Grp    Plan: G                      Years in Market: 6
             9.0%         AM Best Rating: A- (Outlook  S&P Rating: n/a              Effective Date: 10/04/2019
                          Stable)                      Rate Type: Attained age      Rating Class: Preferred
            Policy Fee
            $25.00


        Age Increases                       Increase History                   Market Data
                                                                                           Year:
          Age        Monthly    Increase     Date              Amount                      2018
                     Amount
                                             09/29/2017        4.0%                        National      State
          65         $          -77.7%
                     135.16                  08/24/2018        9.0%             Lives      24,800        6,609
                     /mo
                                             10/04/2019        10.0%            Premium    $37,641,471   $10,398,248
          66         $          0.0%
                     135.16                  Average           7.7%             Loss       79.02%        82.64%
                     /mo                                                        Ratio
          67         $          0.0%                                            Market     0.12%         1.49%
                     135.16                                                     %
                     /mo
          68         $          4.4%
                     141.15
                     /mo
          Average               -18.3%



         $625.34 /mo      Bankers Fidelity Assurance Company
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