Page 63 - Cover Letter and Evaluation for Paul Howell
P. 63

119.58                                                     %
                     /mo
          68         $          1.2%
                     120.98
                     /mo
          Average               -20.0%



         $725.42 /mo      The Order Of United Commercial Travelers Of America

                          Parent: n/a                  Plan: G                      Years in Market: 32
                          AM Best Rating: B (Outlook   S&P Rating: n/a              Effective Date: 02/01/2020
                          Stable)                      Rate Type: Attained age      Rating Class: n/a


        Age Increases                       Increase History                   Market Data
                                                                                           Year:
          Age        Monthly    Increase     Date              Amount                      2018
                     Amount
                                             12/01/2012        11.0%                       National      State
          65         $          -73.2%
                     194.47                  12/01/2013        9.5%             Lives      9,518         10
                     /mo
                                             12/01/2014        5.0%             Premium    $38,833,398   $52,715
          66         $          1.9%
                     198.20                  01/01/2016        4.0%             Loss       70.80%        29.07%
                     /mo                                                        Ratio
                                             01/01/2017        9.0%
          67         $          1.9%         02/01/2018        6.0%             Market     0.12%         0.01%
                     202.01                                                     %
                     /mo                     02/01/2019        5.0%
          68         $          1.9%         02/01/2020        6.0%
                     205.81
                     /mo                     Average           6.9%

          Average               -16.9%


         $728.57 /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: Standard
            Policy Fee
            $25.00


        Age Increases                       Increase History                   Market Data

          Age        Monthly    Increase     Date              Amount                      Year:
                                                                                           2018
                     Amount
                                             09/29/2017        4.0%                        National      State
          65         $          -77.7%
                     162.20                  08/24/2018        9.0%             Lives      24,800        6,609
                     /mo
                                             10/04/2019        14.8%            Premium    $37,641,471   $10,398,248
          66         $          0.0%         Average           9.3%
                     162.20                                                     Loss       79.02%        82.64%
                     /mo                                                        Ratio

          67         $          0.0%                                            Market     0.12%         1.49%
                     162.20                                                     %
                     /mo
          68         $          4.4%
                     169.39
                     /mo
          Average               -18.3%




         $745.00 /mo      United American Insurance Company
                          Parent: Torchmark Corp Grp.  Plan: G                      Years in Market: 54
                          AM Best Rating: A+ (Outlook  S&P Rating: A+               Effective Date: 06/01/2019
                          Negative)                    Rate Type: Attained age      Rating Class: n/a
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