Page 77 - Cover Letter and Evaluation for Paul Howell

$473.77 /mo Colonial Penn Life Insurance Company

Parent: Cno Financial Grp Plan: N 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: n/a

Age Increases Increase History Market Data
Year:
Age Monthly Increase Date Amount 2018
Amount
01/01/2014 19.9% National State
65 $ -72.5%
130.51 01/01/2018 18.5% Lives 221,914 4,347
/mo
01/01/2019 2.0% Premium $475,877,554 $9,134,631
66 $ 5.1%
137.16 Average 13.5% Loss 73.28% 69.69%
/mo Ratio
67 $ 5.5% Market 1.50% 1.31%
144.64 %
/mo
68 $ 5.4%
152.45
/mo
Average -14.1%

$486.36 /mo Heartland National Life Insurance Company

HH Discount Parent: n/a Plan: N Years in Market: 11
7.0% AM Best Rating: n/a S&P Rating: n/a Effective Date: 02/01/2020
Policy Fee Rate Type: Attained age Rating Class: Heartland
National Association Group
$25.00

Age Increases Increase History Market Data

Age Monthly Increase Date Amount Year:
2018
Amount
02/01/2017 7.0% National State
65 $ -72.7%
132.88 02/01/2018 8.0% Lives 8,473 287
/mo
02/01/2019 12.0% Premium $23,128,216 $674,988
66 $ 0.5%
133.55 02/01/2020 8.0% Loss 76.09% 77.34%
/mo Ratio
Average 8.8%
67 $ 0.5% Market 0.07% 0.10%
134.22 %
/mo
68 $ 4.3%
140.05
/mo
Average -16.8%

$489.00 /mo Globe Life And Accident Insurance Company

Parent: Torchmark Corp Grp. Plan: N Years in Market: 39
AM Best Rating: A+ (Outlook S&P Rating: AA- Effective Date: 06/01/2019
Negative) Rate Type: Attained age Rating Class: Direct to
Consumer

Age Increases Increase History Market Data
Year:
Age Monthly Increase Date Amount 2018
Amount
06/01/2019 11.5% National State
65 $ -75.1%