Page 73 - Cover Letter and Evaluation for Paul Howell
P. 73

68         $          4.1%
                     113.53
                     /mo
          Average               -16.9%



         $390.45 /mo      Renaissance Life & Health Insurance Company Of America

           HH Discount    Parent: Renaissance Hlth      Plan: N                       Years in Market: 4
             12.0%        Serv Corp Grp                 AM Best Rating: A (Outlook    S&P Rating: n/a
                                                        Stable)                       Effective Date: 08/12/2019
            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
                                              08/31/2017        -2.0%                       National     State
          65         $          -72.7%
                     106.68                   09/24/2018        0.0%              Lives     842          49
                     /mo
                                              08/12/2019        8.0%              Premium   $2,896,774   $145,010
          66         $          0.0%          Average           2.0%
                     106.68                                                       Loss      73.86%       91.18%
                     /mo                                                          Ratio
          67         $          0.0%                                              Market    0.01%        0.02%
                     106.68                                                       %
                     /mo
          68         $          4.5%
                     111.51
                     /mo
          Average               -17.0%



         $394.08 /mo      Humana Insurance Company

           HH Discount    Parent: Humana Grp            Plan: N                       Years in Market: 16
             5.0%         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
                                              04/01/2018        0.0%                        National       State
          65         $ 98.52    -75.0%
                     /mo                      07/01/2018        -25.2%            Lives     201,493        4,347
          66         $          2.0%          11/01/2019        5.5%              Premium   $426,178,821   $9,589,244
                     100.49                   Average           -6.6%
                     /mo                                                          Loss      76.90%         72.98%
                                                                                  Ratio
          67         $          2.0%
                     102.50                                                       Market    1.34%          1.37%
                     /mo                                                          %
          68         $          2.0%
                     104.55
                     /mo
          Average               -17.3%



         $411.97 /mo      Cigna Health And Life Insurance Company

           HH Discount    Parent: Cigna Hlth Grp        Plan: N                       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
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