Page 65 - Cover Letter and Evaluation for Paul Howell
P. 65

67         $          4.3%                                            Market     1.50%          1.31%
                     226.01                                                     %
                     /mo
          68         $          4.3%
                     235.73
                     /mo
          Average               -14.9%



         $788.39 /mo      Companion Life Insurance Company

           HH Discount    Parent: Bluecross Blueshield  Plan: G                     Years in Market: 6
             5.0%         Of South Carolina            AM Best Rating: A+ (Outlook  S&P Rating: AA-
                                                       Stable)                      Effective Date: 03/01/2019
            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
                                             09/01/2016        6.0%                        National      State
          65         $          -84.2%
                     124.46                  09/01/2017        3.9%             Lives      6,946         186
                     /mo
                                             03/01/2019        0.0%             Premium    $14,395,189   $344,220
          66         $          0.0%         Average           3.3%
                     124.46                                                     Loss       81.73%        93.45%
                     /mo                                                        Ratio
          67         $          0.0%                                            Market     0.05%         0.05%
                     124.46                                                     %
                     /mo
          68         $          0.0%
                     124.46
                     /mo
          Average               -21.1%


         $933.78 /mo      Colonial Penn Life Insurance Company


                          Parent: Cno Financial Grp    Plan: G                      Years in Market: 22
                          AM Best Rating: A- (Outlook  S&P Rating: BBB+             Effective Date: 01/01/2019
                          Stable)                      Rate Type: Attained age      Rating Class: Substandard


        Age Increases                       Increase History                   Market Data
                                                                                           Year:
          Age        Monthly    Increase     Date              Amount                      2018
                     Amount
                                             01/01/2014        19.9%                       National       State
          65         $          -72.5%
                     256.57                  01/01/2018        18.6%            Lives      221,914        4,347
                     /mo
                                             01/01/2019        2.0%             Premium    $475,877,554   $9,134,631
          66         $          4.2%
                     267.22                  Average           13.5%            Loss       73.28%         69.69%
                     /mo                                                        Ratio
          67         $          4.3%                                            Market     1.50%          1.31%
                     278.79                                                     %
                     /mo
          68         $          4.3%
                     290.80
                     /mo
          Average               -14.9%



          $1,251.48       Bluecross Blueshield Of Tennessee, Inc.
              /mo


                          Parent: BCBS Of Tn Grp       Plan: G                      Years in Market: 54
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