Page 79 - Cover Letter and Evaluation for Paul Howell

$547.69 /mo Guarantee Trust Life Insurance Company

HH Discount Parent: Guarantee Trust Grp Plan: N Years in Market: 36
7.0% AM Best Rating: A- (Outlook S&P Rating: n/a Effective Date: 08/01/2018
Stable) Rate Type: Attained age Rating Class: n/a
Policy Fee
$25.00

Age Increases Increase History Market Data
Year:
Age Monthly Increase Date Amount 2018
Amount
08/01/2018 4.0% National State
65 $ 97.27 -82.2%
/mo Average 4.0% Lives 12,490 307
66 $ 97.27 0.0% Premium $19,078,789 $417,342
/mo
Loss 73.28% 110.49%
67 $ 98.24 1.0% Ratio
/mo
Market 0.06% 0.06%
68 $ 99.39 1.2% %
/mo
Average -20.0%

$584.66 /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: 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%
160.90 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%
169.10 Average 13.5% Loss 73.28% 69.69%
/mo Ratio
67 $ 5.5% Market 1.50% 1.31%
178.32 %
/mo
68 $ 5.4%
187.96
/mo
Average -14.1%

$597.48 /mo The Order Of United Commercial Travelers Of America

Parent: n/a Plan: N 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
Age Monthly Increase Date Amount Year:
2018
Amount
12/01/2012 11.0% National State
65 $ -73.1%
160.59 12/01/2013 9.5% Lives 9,518 10
/mo
12/01/2014 5.0% Premium $38,833,398 $52,715
66 $ 1.7% 01/01/2016 4.0%
163.24 Loss 70.80% 29.07%