Page 80 - Cover Letter and Evaluation for Paul Howell

01/01/2016 4.0% Loss 70.80% 29.07%
163.24
/mo Ratio
01/01/2017 9.0%
67 $ 1.7% 02/01/2018 6.0% Market 0.12% 0.01%
165.94 %
/mo 02/01/2019 5.0%
68 $ 1.6% 02/01/2020 6.0%
168.63
/mo Average 6.9%
Average -17.0%

$604.21 /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: 01/01/2020
Positive) Rate Type: Attained age Rating Class: Healthy Living

Age Increases Increase History Market Data
Year:
Age Monthly Increase Date Amount 2018
Amount
02/01/2014 4.1% National State
65 $ -73.8%
158.24 05/01/2015 4.5% Lives 201,493 4,347
/mo
07/01/2016 2.8% Premium $426,178,821 $9,589,244
66 $ 3.7%
164.09 09/01/2017 -0.2% Loss 76.90% 72.98%
/mo Ratio
10/01/2018 7.9%
67 $ 3.7% Market 1.34% 1.37%
170.19 01/01/2020 11.3% %
/mo Average 5.1%
68 $ 3.7%
176.53
/mo
Average -15.7%

$629.00 /mo United American Insurance Company

Parent: Torchmark Corp Grp. Plan: N Years in Market: 54
AM Best Rating: A+ (Outlook S&P Rating: A+ Effective Date: 06/01/2019
Negative) Rate Type: Attained age Rating Class: n/a

Age Increases Increase History Market Data
Year:
Age Monthly Increase Date Amount 2018
Amount
06/01/2016 0.0% National State
65 $ -73.1%
169.00 06/01/2017 0.0% Lives 134,951 882
/mo
06/01/2018 0.0% Premium $263,619,041 $1,720,650
66 $ 5.3%
178.00 06/01/2019 0.0% Loss 68.16% 112.84%
/mo Ratio
Average 0.0%
67 $ 5.1% Market 0.83% 0.25%
187.00 %
/mo
68 $ 4.3%
195.00
/mo
Average -14.6%

$630.80 /mo Oxford Life Insurance Company

Policy Fee Parent: Amerco Corp Grp Plan: N Years in Market: 21