Page 78 - Cover Letter and Evaluation for Paul Howell
P. 78

65         $          -75.1%
                     122.00                   Average           11.5%             Lives     7,910         34
                     /mo
                                                                                  Premium   $14,832,939   $67,199
          66         $          4.1%
                     127.00                                                       Loss      87.47%        68.87%
                     /mo                                                          Ratio
          67         $          4.7%                                              Market    0.05%         0.01%
                     133.00                                                       %
                     /mo
          68         $          4.5%
                     139.00
                     /mo
          Average               -15.4%



         $495.20 /mo      Wisconsin Physicians Service Insurance Corporation

           HH Discount    Parent: Wisconsin Physicians  Plan: N                       Years in Market: 36
             7.0%         Serv Ins Grp                  AM Best Rating: n/a           S&P Rating: n/a
                          Effective Date: 01/01/2020    Rate Type: Attained age       Rating Class: n/a


        Age Increases                       Increase History                    Market Data
                                                                                            Year:
          Age        Monthly    Increase      Date              Amount                      2018
                     Amount
                                              01/01/2020        0.0%                        National       State
          65         $          -73.5%
                     131.00                   Average           0.0%              Lives     43,768         n/a
                     /mo
                                                                                  Premium   $137,985,099   n/a
          66         $          3.6%
                     135.73                                                       Loss      61.96%         n/a
                     /mo                                                          Ratio
          67         $          3.5%                                              Market    0.43%          n/a
                     140.46                                                       %
                     /mo
          68         $          4.0%
                     146.12
                     /mo
          Average               -15.6%


         $546.69 /mo      Combined Insurance Company Of America


            Policy Fee    Parent: Ace Ltd Grp           Plan: N                       Years in Market: 32
            $25.00        AM Best Rating: A+ (Outlook   S&P Rating: AA-               Effective Date: 05/01/2019
                          Stable)                       Rate Type: Attained age       Rating Class: n/a


        Age Increases                       Increase History                    Market Data
          Age        Monthly    Increase      Date              Amount                      Year:
                                                                                            2018
                     Amount
                                              12/01/2012        0.0%                        National      State
          65         $          -72.7%
                     149.37                   05/01/2014        6.0%              Lives     25,535        2,238
                     /mo
                                              04/01/2015        3.0%              Premium   $66,234,139   $4,883,365
          66         $          3.2%          07/01/2016        15.0%
                     154.14                                                       Loss      81.50%        88.97%
                     /mo                      01/01/2018        8.0%              Ratio
          67         $          4.2%          05/01/2019        5.0%              Market    0.21%         0.70%
                     160.64                                                       %
                     /mo                      Average           6.2%
          68         $          3.3%
                     165.97
                     /mo
          Average               -15.5%
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