2014 Medicare Supplement Loss Ratios

Transcription

1 2014 Medicare Supplement Loss Ratios

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3 2014 Medicare Supplement Loss Ratios 2015

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5 TABLE OF CONTENTS 2014 MEDICARE SUPPLEMENT LOSS RATIOS INTRODUCTION... 1 Qualifications... 2 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE SUMMARY... 3 U.S. and U.S. Territories Summary... 5 Ten-Year Summary... 6 By Totals... 7 Number of Covered Lives by Map... 9 INDIVIDUAL POLICIES ISSUED THROUGH 2011 U.S. and U.S. Territories By Direct Premiums U.S. and U.S. Territories By INDIVIDUAL POLICIES ISSUED IN 2012, 2013, AND 2014 U.S. and U.S. Territories By Direct Premiums U.S. and U.S. Territories By TOTAL INDIVIDUAL POLICIES U.S. and U.S. Territories By Direct Premiums U.S. and U.S. Territories By GROUP POLICIES ISSUED THROUGH 2011 U.S. and U.S. Territories By Direct Premiums U.S. and U.S. Territories By GROUP POLICIES ISSUED IN 2012, 2013, AND 2014 U.S. and U.S. Territories By Direct Premiums U.S. and U.S. Territories By TOTAL GROUP POLICIES U.S. and U.S. Territories By Direct Premiums U.S. and U.S. Territories By TOTAL POLICIES (Individual and Group) U.S. and U.S. Territories By Direct Premiums U.S. and U.S. Territories By MARKET SHARE BY DIRECT PREMIUMS EARNED Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa

6 Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Guam N. Mariana Islands Puerto Rico U.S. Virgin Islands COMPANY INDEX Sample Medicare Supplement Insurance Exhibit

7 INTRODUCTION Included in this report are the 2014 loss ratios on Medicare supplement business as reported to the National Association of Insurance Commissioners (NAIC). Reporting of these loss ratios, on forms conforming to those developed by the NAIC, is required by the Medicare Catastrophic Coverage Act of 1988, Public Law Although major provisions of the Catastrophic Coverage Act were repealed one year later, this reporting requirement was left intact. The data reported are utilized by state insurance departments to help evaluate insurers compliance with loss ratio standards for Medicare supplement policies. A copy of the experience exhibit, which is used to collect the data, is included. The filing deadline for the 2014 exhibit was March 1, This exhibit is submitted by companies filing the life/health, property/casualty, health and fraternal annual statement blanks. This report shows direct premiums earned, market share, direct claims incurred, loss ratios, and number of covered lives on a countrywide basis for 4,125 filings by 305 insurers filing Medicare Supplement Insurance Experience Exhibits with the NAIC. The report lists companies in descending order of direct premiums earned and in alphabetical order by name. The report also shows insurers experience separately for: 1) individual policies issued through 2011; 2) individual policies issued in 2012, 2013, and 2014; 3) total individual policies; 4) group policies issued through 2011; 5) group policies issued in 2012, 2013, and 2014; 6) total group policies; and 7) total individual and group policies. Also included at the beginning of the report is a table presenting aggregated data for all companies reporting. Insurers reported total direct premiums earned in 2014 of $24.8 billion, with direct claims incurred of $19.0 billion for all Medicare supplement policies. This resulted in an 76.6% loss ratio. A second table presents a 10-year summary of totals for the years 2005 through This table reflects the numbers reported in prior-year Medicare Supplement Loss Ratio Reports. Because companies report this data on a year-to-year basis, there might be some differences between the current-year data and historical data. The majority of the Medicare supplement insurance market is written through individual policies. Total direct premiums earned for individual policies were $18.5 billion, with direct claims incurred of $14.1 billion in This resulted in a 75.9% loss ratio. The loss ratio for individual policies issued through 2011 was slightly lower, at 74.0%. The loss ratio for individual policies issued in 2012, 2013, and 2014 was significantly higher, at 80.2%. Total direct premiums earned for all group policies in 2014 were $6.2 billion, with total direct claims incurred of $4.9 billion, resulting in an 78.7% loss ratio. The loss ratio for group policies issued through 2011 was slightly lower, at 78.4%, whereas the loss ratio for group policies issued in 2012, 2013, and 2014 was slightly higher, at 79.3%. Beginning with the 1994 filings, companies are to report the number of covered lives for each policy form. Total covered lives reported in 2014 for individual and group policies was 11.2 million. In the event that a company has exited this business or was unable to provide the number of covered lives, zeros appear. 1

8 A market share report containing the top 10 companies by direct premiums earned doing business in each state is included in this publication. A map and report with number of covered lives by state is included in the Summary section. The Company Index includes all 305 insurers, summary totals for each company s premiums and number of covered lives for those years prior to 2011, and a summary total for premiums and number of covered lives for the years 2012, 2013, and Qualifications The accuracy of the reports included in this publication is dependent on the accuracy of the information contained in the exhibits filed by insurers. Even though the data elements used to prepare the reports are extracted from exhibits filed with the NAIC, the NAIC cannot verify or guarantee their accuracy. While the NAIC exercises a great deal of care in capturing data from these exhibits and producing these reports, as with any statistical project of a significant magnitude, errors can occur. Consequently, the NAIC makes no representations or warranties with respect to the accuracy of the data and statistics in this report. Please send any questions regarding this report to [email protected]. Links to this report and other NAIC reports can be found on the NAIC website at: NAIC Publications. 2

9 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE SUMMARY 3

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11 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE SUMMARY U.S. and U.S. Territories Direct Direct Direct Claims Incurred Premiums Claims To Premium Incurred Experience on Individual Policies Issued through 2011: 12,885,663,656 9,531,626, % Experience on Individual Policies Issued in 2012, 2013 and 2014: 5,660,943,396 4,537,901, % Experience on Total Individual Policies: 18,546,607,052 14,069,528, % Experience on Group Policies Issued through 2011: 4,032,475,705 3,159,284, % Experience on Group Policies Issued in 2012, 2013 and 2014: 2,181,500,569 1,730,096, % Experience on Total Group Policies 6,213,976,274 4,889,380, % Experience on Total Individual and Group Policies: 24,760,583,326 18,958,908, % 5

12 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE SUMMARY U.S. and U.S. Territories TEN YEAR SUMMARY Direct Premiums (000 s) Direct Claims Incurred (000 s) Direct Claims Incurred to Premiums Experience on Total Individual Policies Issued : Experience on Total Group Policies Issued: Experience on Total Individual and Group Policies Issued: ,689,918 11,541, % ,531,084 11,327, % ,418,507 11,478, % ,798,924 11,754, % ,994,367 11,929, % ,791,963 12,416, % ,510,850 13,171, % ,128,702 13,274, % ,739,081 13,521, % ,546,607 14,069, % ,743,582 4,078, % ,693,711 3,871, % ,075,756 3,316, % ,227,074 3,439, % ,472,932 3,650, % ,710,325 3,777, % ,910,974 3,957, % ,213,811 4,190, % ,662,504 4,479, % ,213,976 4,889, % ,433,500 15,620, % ,224,794 15,198, % ,494,263 14,795, % ,025,998 15,193, % ,467,299 15,580, % ,502,288 16,193, % ,421,824 17,128, % ,342,513 17,464, % ,401,585 18,000, % ,760,583 18,958, % 6

13 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS BY STATE TOTALS Actual Number of Actual Number of Name Premiums Lives Covered Name Premiums Lives Covered ALABAMA 353,379, ,201 ALASKA 21,087,705 11,269 ARIZONA 496,958, ,496 ARKANSAS 346,428, ,416 CALIFORNIA 944,224, ,108 COLORADO 311,609, ,654 CONNECTICUT 328,244, ,446 DELAWARE 105,577,196 51,286 DISTRICT OF COLUMBIA 17,969,282 8,817 FLORIDA 1,775,768, ,177 GEORGIA 653,958, ,393 GUAM 592, HAWAII 11,218,587 6,030 IDAHO 136,428,893 62,660 ILLINOIS 1,665,289, ,858 INDIANA 744,082, ,668 IOWA 582,091, ,507 KANSAS 482,120, ,164 KENTUCKY 406,412, ,265 LOUISIANA 295,684, ,198 MAINE 153,161,039 71,684 MARYLAND 510,543, ,365 MASSACHUSETTS 610,446, ,127 MICHIGAN 694,746, ,229 MINNESOTA 338,731, ,043 MISSISSIPPI 310,411, ,451 MISSOURI 672,266, ,610 MONTANA 135,818,141 64,976 N MARIANA ISLANDS 39, NEBRASKA 350,937, ,535 NEVADA 167,285,125 72,899 NEW HAMPSHIRE 191,927,154 83,229 NEW JERSEY 1,038,596, ,694 NEW MEXICO 96,682,382 50,119 NEW YORK 1,031,449, ,035 NORTH CAROLINA 912,015, ,904 NORTH DAKOTA 112,681,265 50,187 OHIO 873,489, ,293 OKLAHOMA 345,503, ,792 OREGON 250,770, ,705 PENNSYLVANIA 1,254,865, ,643 PUERTO RICO 40,290,772 31,499 RHODE ISLAND 88,441,574 45,052 SOUTH CAROLINA 459,501, ,336 SOUTH DAKOTA 145,278,402 64,893 TENNESSEE 430,311, ,510 TEXAS 1,562,617, ,379 U.S. VIRGIN ISLANDS 11,173,273 8,033 UTAH 119,861,363 60,435 VERMONT 86,017,539 45,021 VIRGINIA 714,745, ,765 WASHINGTON 509,339, ,177 WEST VIRGINIA 167,517,503 79,764 WISCONSIN 612,349, ,378 WYOMING 81,643,758 40,240 Total for All s: 24,760,583,326 11,213,060 CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 7

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15 Medicare Supplement Insurance Experience Exhibit 2014 Number of Covered Lives by WA 238,177 OR 126,705 ME 71,684 MN 131,043 ID 62,660 WY 40,240 NV 72,899 VT 45,021 ND 50,187 MT 64,976 WI 252,378 SD 64,893 UT 60,435 CA 427,108 CO 149,654 AZ 232,496 PA 634,643 IL 690,858 KS 215,164 OK 171,792 NM 50,119 OH 390,293 IN 319,668 WV 79,764 KY 188,265 MO 288,610 VA 343,765 NC 425,904 TN 197,510 AR 163,416 SC 216,336 MS 137,451 TX 675,379 GA 298,393 AL 188,201 LA 128,198 AK 11,269 FL 730,177 HI 6,030 N. Mariana Islands 29 Guam 416 Puerto Rico 31,499 Virgin Islands 8,033 9 MA 274,127 RI 45,052 MI 393,229 IA 270,507 NE 152,535 NH 83,229 NY 398,035 CT 146,446 NJ 500,694 MD 207,365 DC 8,817 DE 51,286

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17 INDIVIDUAL POLICIES ISSUED THROUGH 2011 BY DIRECT PREMIUMS EARNED 11

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19 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered UnitedHealthcare Ins Co CT ,438,534, ,909,040, ,449 Health Care Serv Corp A Mut Legal Re IL ,015,435, ,537, ,089 United Of Omaha Life Ins Co NE ,125, ,372, ,449 United World Life Ins Co NE ,547, ,715, ,218 Bankers Life & Cas Co IL ,659, ,324, ,629 BCBS of MA MA ,598, ,338, ,354 Mutual Of Omaha Ins Co NE ,603, ,914, ,710 BCBS Of FL FL ,175, ,361, ,050 Wellmark Inc IA ,352, ,064, ,799 BCBS of NC Inc NC ,734, ,588, ,809 Farm Mut Auto Ins Co IL ,021, ,800, ,769 Anthem Hlth Plans of VA Inc VA ,902, ,970, ,184 Highmark Inc PA ,199, ,087, ,161 United Amer Ins Co NE ,565, ,535, ,531 BCBS Of KS Inc KS ,988, ,048, ,066 USAble Mut Ins Co AR ,985, ,798, ,331 Horizon Ins Co NJ ,581, ,029, ,164 BCBS of AL AL ,624, ,091, ,958 USAA Life Ins Co TX ,000, ,871, ,876 Anthem Hlth Plans Of KY Inc KY ,687, ,513, ,244 Carefirst of MD Inc MD ,503, ,078, ,743 Colonial Penn Life Ins Co PA ,677, ,607, ,526 Anthem Ins Co Inc IN ,120, ,853, ,160 BCBS of GA Inc GA ,364, ,140, ,242 Physicians Mut Ins Co NE ,012, ,410, ,412 American Continental Ins Co TN ,643, ,540, ,208 BCBS of TN Inc TN ,245, ,069, ,973 BCBS Of SC Inc SC ,106, ,650, ,544 BCBS Of NE NE ,771, ,648, ,763 Continental Life Ins Co Brentwood TN ,237, ,734, ,752 Gerber Life Ins Co NY ,898, ,015, ,010 Empire Healthchoice Assur Inc NY ,348, ,157, ,338 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 13

20 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Wisconsin Physicians Serv Ins Corp WI ,416, ,343, ,040 Physicians Life Ins Co NE ,471, ,674, ,461 Louisiana Hlth Serv & Ind Co LA ,802, ,832, ,740 Humana Ins Co WI ,338, ,437, ,222 Washington Natl Ins Co IN ,216, ,151, ,635 Healthy Alliance Life Ins Co MO ,215, ,218, ,185 Loyal Amer Life Ins Co OH ,588, ,552, ,244 BCBS of WI WI ,261, ,714, ,526 Noridian Mut Ins Co ND ,831, ,492, ,395 Order of United Commercial Travelers OH ,716, ,401, ,664 American Republic Ins Co IA ,952, ,421, ,809 Standard Life & Accident Ins Co TX ,468, ,016, ,412 Thrivent Financial For Lutherans WI ,698, ,653, ,996 Rocky Mountain Hospital & Medical CO ,664, ,116, ,334 New Era Life Ins Co TX ,423, ,590, ,311 Anthem Hlth Plans Inc CT ,344, ,228, ,468 Bankers Fidelity Life Ins Co GA ,946, ,594, ,181 Country Life Ins Co IL ,387, ,556, ,742 Anthem Hlth Plans of NH NH ,270, ,425, ,286 Sterling Life Ins Co IL ,164, ,947, ,393 Continental Gen Ins Co OH ,497, ,555, ,431 Genworth Life & Ann Ins Co VA ,494, ,353, ,830 United Teacher Assoc Ins Co TX ,096, ,094, ,492 BCBS of KC MO ,017, ,981, ,697 BCBS of AZ Inc AZ ,080, ,580, ,586 Wellmark Of SD Inc SD ,228, ,547, ,201 Constitution Life Ins Co TX ,687, ,590, ,541 American Republic Corp Ins Co NE ,130, ,405, ,712 Woodmen World Assur Life Assn CO ,082, ,952, ,477 Combined Ins Co Of Amer IL ,976, ,651, ,693 Premera Blue Cross WA ,899, ,308, ,932 Philadelphia Amer Life Ins Co TX ,817, ,851, ,720 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 14

21 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Regence BlueShield WA ,326, ,435, ,869 Christian Fidelity Life Ins Co TX ,152, ,853, ,234 BCBS of RI RI ,293, ,748, ,673 Community Ins Co OH ,273, ,459, ,402 American Pioneer Life Ins Co FL ,700, ,331, ,400 Royal Neighbors Of Amer IL ,179, ,121, ,491 Anthem Hlth Plans of ME Inc ME ,779, ,493, ,595 American Family Mut Ins Co WI ,194, ,335, ,906 Equitable Life & Cas Ins Co UT ,887, ,838, ,159 Independence Hospital Ind Plan Inc PA ,770, ,992, ,870 Hospital Serv Assn of NE PA PA ,355, ,561, ,004 Sentinel Security Life Ins Co UT ,845, ,934, ,982 Reserve Natl Ins Co OK ,550, ,164, ,918 Everence Assn Inc IN ,835, ,118, ,918 BCBS Of MS Mut Ins Co MS ,450, ,778, ,935 Golden Rule Ins Co IN ,034, ,801, ,008 Regence BCBS of UT UT ,444, ,103, ,547 New Era Life Ins Co Of Midwest TX ,483, ,784, ,426 Capital Advantage Ins Co PA ,186, ,594, ,789 American Family Life Assur Co of Col NE ,114, ,528, ,404 Old Surety Life Ins Co OK ,027, ,342, ,499 Capital Blue Cross PA ,779, ,408, ,789 Dean Hlth Plan Inc WI ,574, ,572, ,582 Medico Ins Co NE ,308, ,747, ,872 North Amer Ins Co WI ,805, ,756, ,126 Health Net Life Ins Co CA ,723, ,078, ,929 Principal Life Ins Co IA ,696, ,681, ,357 First United Amer Life Ins Co NY ,625, ,510, ,189 Excellus Hlth Plan Inc NY ,620, ,158, ,615 Unicare Life & Hlth Ins Co IN ,915, ,705, ,845 Regence BCBS of OR OR ,688, ,928, ,714 Forethought Life Ins Co IN ,519, ,643, ,849 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 15

22 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Lincoln Heritage Life Ins Co IL ,400, ,569, ,675 Transamerica Life Ins Co IA ,218, ,947, ,446 Pyramid Life Ins Co KS ,046, ,789, ,724 Blue Cross of ID Hlth Serv Inc ID ,575, ,891, ,374 Pekin Life Ins Co IL ,481, ,971, ,240 Medical Mut Of OH OH ,338, ,130, ,958 American Progressive L&H Ins Of NY NY ,306, ,794, ,771 Aetna Life Ins Co CT ,197, ,647, ,759 Sierra Hlth & Life Ins Co Inc NV ,049, ,428, ,299 HPHC Ins Co Inc MA ,840, ,914, ,482 Guarantee Trust Life Ins Co IL ,892, ,150, ,659 Oxford Life Ins Co AZ ,759, ,839, ,627 Provident Amer Life & Hlth Ins Co OH ,726, ,400, ,545 Pacificare Life & Hlth Ins Co IN ,335, ,264, ,881 Sterling Investors Life Ins Co GA ,299, ,474, ,159 Group Hospitalization & Med Srvcs DC ,186, ,830, ,355 Blue Care Network Of MI MI ,058, ,451, ,812 Central s H & L Co Of Omaha NE ,033, ,236, ,768 BCBS of WY WY ,948, ,755, ,390 Highmark West Virginia Inc. WV ,128, ,879, ,582 Avera Hlth Plans Inc SD ,996, ,113, ,819 Regence Blueshield Of ID Inc ID ,987, ,885, ,120 Mut Ins Co GA ,498, ,057, ,890 Government Personnel Mut Life Ins Co TX ,460, ,828, ,179 Marquette Natl Life Ins Co TX ,102, ,601, ,383 Celtic Ins Co IL ,907, ,861, ,794 Puritan Life Ins Co of Amer TX ,663, ,173, ,759 Nationwide Life Ins Co OH ,413, ,388, ,755 BCBS of VT VT ,241, ,904, ,389 Shenandoah Life Ins Co VA ,881, ,112, ,845 Central Reserve Life Ins Co OH ,735, ,017, ,963 Pennsylvania Life Ins Co PA ,431, ,806, ,858 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 16

23 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Globe Life & Accident Ins Co NE ,201, ,040, ,082 Highmark BCBSD Inc DE ,030, ,329, ,490 Health Now NY Inc NY ,945, ,181, ,212 Great Amer Life Ins Co OH ,455, ,660, ,163 Transamerica Premier Life Ins Co IA ,842, ,219, ,694 Heartland Natl Life Ins Co IN ,799, ,815, ,165 Group Hlth Inc NY ,765, ,123, ,810 United Natl Life Ins Co Of Amer IL ,598, ,546, ,293 Health Net Hlth Plan of OR Inc OR ,492, ,485, ,434 Coventry Hlth & Life Ins Co MO ,488, ,688, ,886 Universal Fidelity Life Ins Co OK ,087, ,284, ,170 Unified Life Ins Co TX ,052, ,587, ,711 First Comm Hlth Plan Inc AL ,927, ,347, ,662 Security Hlth Plan of WI Inc WI ,614, ,849, ,407 Humana Ins Co Of KY KY ,190, ,761, ,584 Inter Cty Hospitalization Plan Inc PA ,033, ,657, ,420 LifeWise Hlth Plan of OR Inc OR ,797, ,503, Ryder Hlth Plan Inc PR ,513, ,050, ,574 Sanford Hlth Plan SD ,304, ,579, ,375 Health Tradition Hlth Plan WI ,236, ,610, ,304 New York Life Ins Co NY ,869, ,075, KPS Hlth Plans WA ,795, ,978, ,026 Physicians Plus Ins Corp WI ,763, ,255, ,079 Genworth Life Ins Co DE ,736, ,577, Paramount Ins Co OH ,581, ,560, Health Alliance Medical Plans IL ,526, ,704, Bankers Conseco Life Ins Co NY ,261, ,627, Conseco Life Ins Co IN ,173, ,623, Humana Hlth Ins Co Of FL Inc FL ,034, ,264, American Gen Life Ins Co TX ,916, ,380, Asuris NW Hlth WA ,849, ,637, Connecticut Gen Life Ins Co CT ,815, ,271, CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 17

24 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered United Hlthcare of AL Inc AL ,787, ,351, Jefferson Natl Life Ins Co TX ,761, ,321, Liberty Natl Life Ins Co NE ,736, ,082, ,061 Idealife Ins Co CT ,634, , Avalon Ins Co PA ,518, ,044, Central United Life Ins Co AR ,354, , Transamerica Financial Life Ins Co NY ,298, , Unity Hlth Plans Ins Corp WI ,245, , Alliance Hlth & Life Ins Co MI ,140, , Kanawha Ins Co SC ,071, , Union Fidelity Life Ins Co KS , , Humana Ins Co of NY NY , , Auto Owners Life Ins Co MI , , Hartford Life Ins Co CT , , The Vt Hlth Plan LLC VT , , BCBSM Inc MN , , BridgeSpan Hlth Co UT , , Shelter Life Ins Co MO , , UTMB Hlth Plans Inc TX , , Columbian Mut Life Ins Co NY , , Consumers Life Ins Co OH , , Ability Ins Co NE , , Communitycare Life & Hlth Ins Co OK , , Providence Hlth Plan OR , , American Family Life Assur Co of NY NY , , MercyCare HMO Inc WI , , SPJST TX , , Southwest Serv Life Ins Co TX , , Medico Corp Life Ins Co NE , , American Income Life Ins Co IN , , Inter Cnty Hlth Plan Inc PA , , ,412 Medica Hlth Plans MN , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 18

25 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Compcare Hlth Serv Ins Corp WI , , Jackson Natl Life Ins Co MI , , HMO dba Blue Plus MN , , John Alden Life Ins Co WI , , Companion Life Ins Co SC , , Humana Hlth Benefit Plan of LA Inc LA , , Horizon Hlthcare Serv Inc NJ , ,020, ,631 American Family Ins Co OH , , Sanford Hlth Plan of MN MN , , Time Ins Co WI , , WPS Hlth Plan Inc WI , , New W Hlth Serv MT , , Jefferson Life Ins Co TX , , Central s Ind Co Of Omaha NE , , Union Labor Life Ins Co MD , , Trustmark Ins Co IL , , Hawaii Medical Serv Assn HI , , UCare MN MN , , CDPHP Universal Benefits Inc NY , , Prudential Ins Co Of Amer NJ , , Allianz Life Ins Co Of N Amer MN , , United Farm Family Life Ins Co IN , , American Natl Ins Co TX , , USAble Life AR , , Upmc Hlth Benefits Inc PA , , IA Amer Life Ins Co TX , , National Found Life Ins Co TX , , United Security Assur Co Of PA PA , , Sagicor Life Ins Co TX , , st Century Premier Ins Co PA , , Cincinnati Equitable Life Ins Co OH , , Group Hlth Coop of Eau Claire WI , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 19

26 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Kansas City Life Ins Co MO , , Medisun Inc AZ , , Medical Hlth Insuring Corp of OH OH , , Central Security Life Ins Co TX , , Mid West Natl Life Ins Co Of TN TX , , United Hlthcare of AZ Inc AZ , , EPIC Life Ins Co WI , , US Hlth & Life Ins Co Inc MI , , Assurity Life Ins Co NE , , Voya Retirement Ins & Ann Co CT , , CSA Fraternal Life IL , , National Hlth Ins Co TX , , Colonial Life & Accident Ins Co SC , , Protective Life Ins Co TN , , Federated Mut Ins Co MN , , LifeSecure Ins Co MI , , Provident Amer Ins Co TX , , National Cas Co WI , , Old Amer Ins Co MO , Federal Life Ins Co IL , , Cincinnati Life Ins Co OH , , Lincoln Republic Ins Co ND , , United Heritage Life Ins Co ID , , Midwestern United Life Ins Co IN , , Security Life Of Denver Ins Co CO , , Motorists Commercial Mut Ins Co OH , Metropolitan Life Ins Co NY , , Hartford Life & Accident Ins Co CT , , Investors Heritage Life Ins Co KY , , BCS Ins Co OH , Investors Life Ins Co N Amer TX , Hartford Life & Ann Ins Co CT CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 20

27 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Careamerica Life Ins Co CA CICA Life Ins Co of Amer CO National Guardian Life Ins Co WI ,334 2, Reliable Life Ins Co MO Rocky Mountain Hlthcare Options Inc CO ,360 N/A 0 Madison Natl Life Ins Co Inc WI American Fidelity Assur Co OK , , TOTAL 12,885,663,656 9,531,626, ,945,845 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 21

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29 INDIVIDUAL POLICIES ISSUED THROUGH 2011 BY COMPANY NAME 23

30 24

31 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered 21st Century Premier Ins Co PA , , Ability Ins Co NE , , Aetna Life Ins Co CT ,197, ,647, ,759 Alliance Hlth & Life Ins Co MI ,140, , Allianz Life Ins Co Of N Amer MN , , American Continental Ins Co TN ,643, ,540, ,208 American Family Ins Co OH , , American Family Life Assur Co of Col NE ,114, ,528, ,404 American Family Life Assur Co of NY NY , , American Family Mut Ins Co WI ,194, ,335, ,906 American Fidelity Assur Co OK , , American Gen Life Ins Co TX ,916, ,380, American Income Life Ins Co IN , , American Natl Ins Co TX , , American Pioneer Life Ins Co FL ,700, ,331, ,400 American Progressive L&H Ins Of NY NY ,306, ,794, ,771 American Republic Corp Ins Co NE ,130, ,405, ,712 American Republic Ins Co IA ,952, ,421, ,809 Anthem Hlth Plans Inc CT ,344, ,228, ,468 Anthem Hlth Plans Of KY Inc KY ,687, ,513, ,244 Anthem Hlth Plans of ME Inc ME ,779, ,493, ,595 Anthem Hlth Plans of NH NH ,270, ,425, ,286 Anthem Hlth Plans of VA Inc VA ,902, ,970, ,184 Anthem Ins Co Inc IN ,120, ,853, ,160 Assurity Life Ins Co NE , , Asuris NW Hlth WA ,849, ,637, Auto Owners Life Ins Co MI , , Avalon Ins Co PA ,518, ,044, Avera Hlth Plans Inc SD ,996, ,113, ,819 Bankers Conseco Life Ins Co NY ,261, ,627, Bankers Fidelity Life Ins Co GA ,946, ,594, ,181 Bankers Life & Cas Co IL ,659, ,324, ,629 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 25

32 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered BCBS of AL AL ,624, ,091, ,958 BCBS of AZ Inc AZ ,080, ,580, ,586 BCBS Of FL FL ,175, ,361, ,050 BCBS of GA Inc GA ,364, ,140, ,242 BCBS of KC MO ,017, ,981, ,697 BCBS Of KS Inc KS ,988, ,048, ,066 BCBS of MA MA ,598, ,338, ,354 BCBS Of MS Mut Ins Co MS ,450, ,778, ,935 BCBS of NC Inc NC ,734, ,588, ,809 BCBS Of NE NE ,771, ,648, ,763 BCBS of RI RI ,293, ,748, ,673 BCBS Of SC Inc SC ,106, ,650, ,544 BCBS of TN Inc TN ,245, ,069, ,973 BCBS of VT VT ,241, ,904, ,389 BCBS of WI WI ,261, ,714, ,526 BCBS of WY WY ,948, ,755, ,390 BCBSM Inc MN , , BCS Ins Co OH , Blue Care Network Of MI MI ,058, ,451, ,812 Blue Cross of ID Hlth Serv Inc ID ,575, ,891, ,374 BridgeSpan Hlth Co UT , , Capital Advantage Ins Co PA ,186, ,594, ,789 Capital Blue Cross PA ,779, ,408, ,789 Careamerica Life Ins Co CA Carefirst of MD Inc MD ,503, ,078, ,743 CDPHP Universal Benefits Inc NY , , Celtic Ins Co IL ,907, ,861, ,794 Central Reserve Life Ins Co OH ,735, ,017, ,963 Central Security Life Ins Co TX , , Central s H & L Co Of Omaha NE ,033, ,236, ,768 Central s Ind Co Of Omaha NE , , Central United Life Ins Co AR ,354, , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 26

33 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Christian Fidelity Life Ins Co TX ,152, ,853, ,234 CICA Life Ins Co of Amer CO Cincinnati Equitable Life Ins Co OH , , Cincinnati Life Ins Co OH , , Colonial Life & Accident Ins Co SC , , Colonial Penn Life Ins Co PA ,677, ,607, ,526 Columbian Mut Life Ins Co NY , , Combined Ins Co Of Amer IL ,976, ,651, ,693 Community Ins Co OH ,273, ,459, ,402 Communitycare Life & Hlth Ins Co OK , , Companion Life Ins Co SC , , Compcare Hlth Serv Ins Corp WI , , Connecticut Gen Life Ins Co CT ,815, ,271, Conseco Life Ins Co IN ,173, ,623, Constitution Life Ins Co TX ,687, ,590, ,541 Consumers Life Ins Co OH , , Continental Gen Ins Co OH ,497, ,555, ,431 Continental Life Ins Co Brentwood TN ,237, ,734, ,752 Country Life Ins Co IL ,387, ,556, ,742 Coventry Hlth & Life Ins Co MO ,488, ,688, ,886 CSA Fraternal Life IL , , Dean Hlth Plan Inc WI ,574, ,572, ,582 Empire Healthchoice Assur Inc NY ,348, ,157, ,338 EPIC Life Ins Co WI , , Equitable Life & Cas Ins Co UT ,887, ,838, ,159 Everence Assn Inc IN ,835, ,118, ,918 Excellus Hlth Plan Inc NY ,620, ,158, ,615 Federal Life Ins Co IL , , Federated Mut Ins Co MN , , First Comm Hlth Plan Inc AL ,927, ,347, ,662 First United Amer Life Ins Co NY ,625, ,510, ,189 Forethought Life Ins Co IN ,519, ,643, ,849 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 27

34 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Genworth Life & Ann Ins Co VA ,494, ,353, ,830 Genworth Life Ins Co DE ,736, ,577, Gerber Life Ins Co NY ,898, ,015, ,010 Globe Life & Accident Ins Co NE ,201, ,040, ,082 Golden Rule Ins Co IN ,034, ,801, ,008 Government Personnel Mut Life Ins Co TX ,460, ,828, ,179 Great Amer Life Ins Co OH ,455, ,660, ,163 Group Hlth Coop of Eau Claire WI , , Group Hlth Inc NY ,765, ,123, ,810 Group Hospitalization & Med Srvcs DC ,186, ,830, ,355 Guarantee Trust Life Ins Co IL ,892, ,150, ,659 Hartford Life & Accident Ins Co CT , , Hartford Life & Ann Ins Co CT Hartford Life Ins Co CT , , Hawaii Medical Serv Assn HI , , Health Alliance Medical Plans IL ,526, ,704, Health Care Serv Corp A Mut Legal Re IL ,015,435, ,537, ,089 Health Net Hlth Plan of OR Inc OR ,492, ,485, ,434 Health Net Life Ins Co CA ,723, ,078, ,929 Health Now NY Inc NY ,945, ,181, ,212 Health Tradition Hlth Plan WI ,236, ,610, ,304 Healthy Alliance Life Ins Co MO ,215, ,218, ,185 Heartland Natl Life Ins Co IN ,799, ,815, ,165 Highmark BCBSD Inc DE ,030, ,329, ,490 Highmark Inc PA ,199, ,087, ,161 Highmark West Virginia Inc. WV ,128, ,879, ,582 HMO dba Blue Plus MN , , Horizon Hlthcare Serv Inc NJ , ,020, ,631 Horizon Ins Co NJ ,581, ,029, ,164 Hospital Serv Assn of NE PA PA ,355, ,561, ,004 HPHC Ins Co Inc MA ,840, ,914, ,482 Humana Hlth Benefit Plan of LA Inc LA , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 28

35 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Humana Hlth Ins Co Of FL Inc FL ,034, ,264, Humana Ins Co WI ,338, ,437, ,222 Humana Ins Co Of KY KY ,190, ,761, ,584 Humana Ins Co of NY NY , , IA Amer Life Ins Co TX , , Idealife Ins Co CT ,634, , Independence Hospital Ind Plan Inc PA ,770, ,992, ,870 Inter Cnty Hlth Plan Inc PA , , ,412 Inter Cty Hospitalization Plan Inc PA ,033, ,657, ,420 Investors Heritage Life Ins Co KY , , Investors Life Ins Co N Amer TX , Jackson Natl Life Ins Co MI , , Jefferson Life Ins Co TX , , Jefferson Natl Life Ins Co TX ,761, ,321, John Alden Life Ins Co WI , , Kanawha Ins Co SC ,071, , Kansas City Life Ins Co MO , , KPS Hlth Plans WA ,795, ,978, ,026 Liberty Natl Life Ins Co NE ,736, ,082, ,061 LifeSecure Ins Co MI , , LifeWise Hlth Plan of OR Inc OR ,797, ,503, Lincoln Heritage Life Ins Co IL ,400, ,569, ,675 Lincoln Republic Ins Co ND , , Louisiana Hlth Serv & Ind Co LA ,802, ,832, ,740 Loyal Amer Life Ins Co OH ,588, ,552, ,244 Madison Natl Life Ins Co Inc WI Marquette Natl Life Ins Co TX ,102, ,601, ,383 Medica Hlth Plans MN , , Medical Hlth Insuring Corp of OH OH , , Medical Mut Of OH OH ,338, ,130, ,958 Medico Corp Life Ins Co NE , , Medico Ins Co NE ,308, ,747, ,872 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 29

36 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Medisun Inc AZ , , MercyCare HMO Inc WI , , Metropolitan Life Ins Co NY , , Mid West Natl Life Ins Co Of TN TX , , Midwestern United Life Ins Co IN , , Motorists Commercial Mut Ins Co OH , Mutual Of Omaha Ins Co NE ,603, ,914, ,710 National Cas Co WI , , National Found Life Ins Co TX , , National Guardian Life Ins Co WI ,334 2, National Hlth Ins Co TX , , Nationwide Life Ins Co OH ,413, ,388, ,755 New Era Life Ins Co TX ,423, ,590, ,311 New Era Life Ins Co Of Midwest TX ,483, ,784, ,426 New W Hlth Serv MT , , New York Life Ins Co NY ,869, ,075, Noridian Mut Ins Co ND ,831, ,492, ,395 North Amer Ins Co WI ,805, ,756, ,126 Old Amer Ins Co MO , Old Surety Life Ins Co OK ,027, ,342, ,499 Order of United Commercial Travelers OH ,716, ,401, ,664 Oxford Life Ins Co AZ ,759, ,839, ,627 Pacificare Life & Hlth Ins Co IN ,335, ,264, ,881 Paramount Ins Co OH ,581, ,560, Pekin Life Ins Co IL ,481, ,971, ,240 Pennsylvania Life Ins Co PA ,431, ,806, ,858 Philadelphia Amer Life Ins Co TX ,817, ,851, ,720 Physicians Life Ins Co NE ,471, ,674, ,461 Physicians Mut Ins Co NE ,012, ,410, ,412 Physicians Plus Ins Corp WI ,763, ,255, ,079 Premera Blue Cross WA ,899, ,308, ,932 Principal Life Ins Co IA ,696, ,681, ,357 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 30

37 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Protective Life Ins Co TN , , Providence Hlth Plan OR , , Provident Amer Ins Co TX , , Provident Amer Life & Hlth Ins Co OH ,726, ,400, ,545 Prudential Ins Co Of Amer NJ , , Puritan Life Ins Co of Amer TX ,663, ,173, ,759 Pyramid Life Ins Co KS ,046, ,789, ,724 Regence BCBS of OR OR ,688, ,928, ,714 Regence BCBS of UT UT ,444, ,103, ,547 Regence BlueShield WA ,326, ,435, ,869 Regence Blueshield Of ID Inc ID ,987, ,885, ,120 Reliable Life Ins Co MO Reserve Natl Ins Co OK ,550, ,164, ,918 Rocky Mountain Hlthcare Options Inc CO ,360 N/A 0 Rocky Mountain Hospital & Medical CO ,664, ,116, ,334 Royal Neighbors Of Amer IL ,179, ,121, ,491 Ryder Hlth Plan Inc PR ,513, ,050, ,574 Sagicor Life Ins Co TX , , Sanford Hlth Plan SD ,304, ,579, ,375 Sanford Hlth Plan of MN MN , , Security Hlth Plan of WI Inc WI ,614, ,849, ,407 Security Life Of Denver Ins Co CO , , Sentinel Security Life Ins Co UT ,845, ,934, ,982 Shelter Life Ins Co MO , , Shenandoah Life Ins Co VA ,881, ,112, ,845 Sierra Hlth & Life Ins Co Inc NV ,049, ,428, ,299 Southwest Serv Life Ins Co TX , , SPJST TX , , Standard Life & Accident Ins Co TX ,468, ,016, ,412 Farm Mut Auto Ins Co IL ,021, ,800, ,769 Mut Ins Co GA ,498, ,057, ,890 Sterling Investors Life Ins Co GA ,299, ,474, ,159 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 31

38 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Sterling Life Ins Co IL ,164, ,947, ,393 The Vt Hlth Plan LLC VT , , Thrivent Financial For Lutherans WI ,698, ,653, ,996 Time Ins Co WI , , Transamerica Financial Life Ins Co NY ,298, , Transamerica Life Ins Co IA ,218, ,947, ,446 Transamerica Premier Life Ins Co IA ,842, ,219, ,694 Trustmark Ins Co IL , , UCare MN MN , , Unicare Life & Hlth Ins Co IN ,915, ,705, ,845 Unified Life Ins Co TX ,052, ,587, ,711 Union Fidelity Life Ins Co KS , , Union Labor Life Ins Co MD , , United Amer Ins Co NE ,565, ,535, ,531 United Farm Family Life Ins Co IN , , United Heritage Life Ins Co ID , , United Hlthcare of AL Inc AL ,787, ,351, United Hlthcare of AZ Inc AZ , , United Natl Life Ins Co Of Amer IL ,598, ,546, ,293 United Of Omaha Life Ins Co NE ,125, ,372, ,449 United Security Assur Co Of PA PA , , United Teacher Assoc Ins Co TX ,096, ,094, ,492 United World Life Ins Co NE ,547, ,715, ,218 UnitedHealthcare Ins Co CT ,438,534, ,909,040, ,449 Unity Hlth Plans Ins Corp WI ,245, , Universal Fidelity Life Ins Co OK ,087, ,284, ,170 Upmc Hlth Benefits Inc PA , , US Hlth & Life Ins Co Inc MI , , USAA Life Ins Co TX ,000, ,871, ,876 USAble Life AR , , USAble Mut Ins Co AR ,985, ,798, ,331 UTMB Hlth Plans Inc TX , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 32

39 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Voya Retirement Ins & Ann Co CT , , Washington Natl Ins Co IN ,216, ,151, ,635 Wellmark Inc IA ,352, ,064, ,799 Wellmark Of SD Inc SD ,228, ,547, ,201 Wisconsin Physicians Serv Ins Corp WI ,416, ,343, ,040 Woodmen World Assur Life Assn CO ,082, ,952, ,477 WPS Hlth Plan Inc WI , , TOTAL 12,885,663,656 9,531,626, ,945,845 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 33

40 34

41 INDIVIDUAL POLICIES ISSUED IN 2012, 2013 AND 2014 BY DIRECT PREMIUMS EARNED 35

42 36

43 June 25, 2015 In Order by Direct Premiums NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS U.S. and U.S. Territories of Dom INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered UnitedHealthcare Ins Co CT ,968, ,055, ,000 Health Care Serv Corp A Mut Legal Re IL ,039, ,701, ,770 United Of Omaha Life Ins Co NE ,187, ,791, ,598 BCBS of MI Mut Ins Co MI ,023, ,174, ,771 BCBSM Inc MN ,760, ,545, ,734 American Continental Ins Co TN ,517, ,666, ,473 Colonial Penn Life Ins Co PA ,156, ,336, ,809 Continental Life Ins Co Brentwood TN ,714, ,561, ,666 Mutual Of Omaha Ins Co NE ,570, ,603, ,396 Omaha Ins Co NE ,994, ,165, ,687 Humana Ins Co WI ,767, ,584, ,151 American Retirement Life Ins Co OH ,907, ,751, ,913 BCBS Of FL FL ,412, ,715, ,864 Wellmark Inc IA ,292, ,371, ,518 BCBS of NC Inc NC ,843, ,120, ,792 BCBS of MA MA ,221, ,981, ,902 Aetna Life Ins Co CT ,231, ,842, ,194 Horizon Ins Co NJ ,734, ,060, ,530 Family Life Ins Co TX ,042, ,724, ,066 USAA Life Ins Co TX ,661, ,903, ,972 Stonebridge Life Ins Co VT ,717, ,919, ,131 Physicians Mut Ins Co NE ,435, ,691, ,722 Central s Ind Co Of Omaha NE ,300, ,633, ,671 Equitable Life & Cas Ins Co UT ,556, ,301, ,745 BCBS of AL AL ,079, ,741, ,649 Anthem Hlth Plans of VA Inc VA ,295, ,203, ,732 Philadelphia Amer Life Ins Co TX ,405, ,756, ,347 Forethought Life Ins Co IN ,239, ,578, ,739 Sterling Life Ins Co IL ,634, ,978, ,463 USAble Mut Ins Co AR ,898, ,308, ,806 HPHC Ins Co Inc MA ,794, ,328, ,459 Farm Mut Auto Ins Co IL ,989, ,117, ,789 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 37

44 June 25, 2015 In Order by Direct Premiums NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS U.S. and U.S. Territories of Dom INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered BCBS Of KS Inc KS ,029, ,743, ,606 Anthem Hlth Plans Of KY Inc KY ,091, ,932, ,345 Community Ins Co OH ,327, ,427, ,175 United Amer Ins Co NE ,241, ,660, ,883 BCBS of GA Inc GA ,345, ,386, ,138 New Era Life Ins Co TX ,705, ,304, ,843 Gerber Life Ins Co NY ,644, ,360, ,015 BCBS Of NE NE ,595, ,226, ,966 Bankers Fidelity Life Ins Co GA ,018, ,965, ,978 American Family Life Assur Co of Col NE ,571, ,459, ,520 BCBS Of SC Inc SC ,303, ,195, ,243 Anthem Ins Co Inc IN ,104, ,706, ,098 Wisconsin Physicians Serv Ins Corp WI ,057, ,714, ,279 Triple S Salud Inc PR ,452, ,435, ,155 Medico Ins Co NE ,697, ,234, ,801 Highmark Inc PA ,650, ,100, ,491 Louisiana Hlth Serv & Ind Co LA ,581, ,917, ,279 BCBS of AZ Inc AZ ,046, ,361, ,643 New Era Life Ins Co Of Midwest TX ,950, ,085, ,482 Health Net Life Ins Co CA ,284, ,727, ,627 Carefirst of MD Inc MD ,764, ,363, ,368 Rocky Mountain Hospital & Medical CO ,335, ,093, ,284 United World Life Ins Co NE ,214, ,640, ,544 Premera Blue Cross WA ,904, ,314, ,413 Government Personnel Mut Life Ins Co TX ,821, ,660, ,778 Loyal Amer Life Ins Co OH ,261, ,316, ,486 Heartland Natl Life Ins Co IN ,009, ,310, ,599 Healthy Alliance Life Ins Co MO ,716, ,519, ,681 Old Surety Life Ins Co OK ,514, ,068, ,370 Manhattan Life Ins Co NY ,221, ,080, ,546 Priority Hlth MI ,662, ,055, ,014 American Republic Corp Ins Co NE ,970, ,527, ,123 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 38

45 June 25, 2015 In Order by Direct Premiums NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS U.S. and U.S. Territories of Dom INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Anthem Hlth Plans of NH NH ,929, ,343, ,458 Blue Care Network Of MI MI ,904, ,722, ,936 Regence BlueShield WA ,822, ,391, ,079 Anthem Hlth Plans Inc CT ,669, ,581, ,357 Noridian Mut Ins Co ND ,454, ,485, ,012 Combined Ins Co Of Amer IL ,256, ,058, ,164 Standard Life & Accident Ins Co TX ,205, ,027, ,642 Oxford Life Ins Co AZ ,786, ,962, ,611 Tufts Ins Co Inc MA ,547, ,287, ,493 Thrivent Financial For Lutherans WI ,406, ,269, ,331 BCBS of KC MO ,336, ,657, ,092 American Republic Ins Co IA ,197, ,176, ,326 BCBS of TN Inc TN ,194, ,505, ,249 Sentinel Security Life Ins Co UT ,723, ,229, ,003 Woodmen World Assur Life Assn CO ,595, ,472, ,126 BCBS of WI WI ,933, ,350, ,706 Genworth Life & Ann Ins Co VA ,816, ,537, ,879 Wellmark Of SD Inc SD ,534, ,753, ,646 Dean Hlth Plan Inc WI ,755, ,462, ,385 Aetna Hlth & Life Ins Co CT ,020, ,973, ,622 CDPHP Universal Benefits Inc NY ,536, ,591, ,782 Medical Mut Of OH OH ,989, ,329, ,767 Reserve Natl Ins Co OK ,813, ,593, ,897 Humana Ins Co of NY NY ,436, ,202, ,194 Everence Assn Inc IN ,401, ,353, ,287 Anthem Hlth Plans of ME Inc ME ,386, ,401, ,555 Empire Healthchoice Assur Inc NY ,001, ,493, ,069 Group Hospitalization & Med Srvcs DC ,805, ,652, ,773 First United Amer Life Ins Co NY ,744, ,578, ,143 Continental Gen Ins Co OH ,686, ,854, ,366 Independence Hospital Ind Plan Inc PA ,573, ,248, ,390 Humana Hlth Ins Co Of FL Inc FL ,565, ,502, ,835 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 39

46 June 25, 2015 In Order by Direct Premiums NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS U.S. and U.S. Territories of Dom INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Sterling Investors Life Ins Co GA ,385, ,977, ,575 Pekin Life Ins Co IL ,338, ,397, ,932 Country Life Ins Co IL ,843, ,609, ,064 Regence BCBS of UT UT ,894, ,739, ,316 BCBS Of MS Mut Ins Co MS ,670, ,969, ,612 The Vt Hlth Plan LLC VT ,449, ,789, ,226 Fallon Hlth & Life Assur Co MA ,362, ,074, ,822 Geisinger Ind Ins Co PA ,127, ,275, ,963 Avera Hlth Plans Inc SD ,091, ,562, ,056 Universal Fidelity Life Ins Co OK ,035, ,054, ,234 BCBS of WY WY ,871, ,850, ,729 Humana Ins Co Of KY KY ,864, ,468, ,246 Bankers Conseco Life Ins Co NY ,764, ,723, ,190 Highmark BCBSD Inc DE ,570, ,382, ,162 Transamerica Life Ins Co IA ,252, ,080, ,656 Regence BCBS of OR OR ,167, ,865, ,835 Asuris NW Hlth WA ,096, ,621, ,167 Health Alliance Medical Plans IL ,037, ,399, BCBS of RI RI ,737, ,330, ,223 Humana Hlth Benefit Plan of LA Inc LA ,651, ,663, ,206 Marquette Natl Life Ins Co TX ,532, ,997, Group Hlth Coop of S Central WI WI ,521, ,113, ,227 Hospital Serv Assn of NE PA PA ,501, ,976, ,714 Excellus Hlth Plan Inc NY ,450, ,874, ,124 Highmark West Virginia Inc. WV ,404, ,968, ,193 United Natl Life Ins Co Of Amer IL ,389, ,425, ,167 Capital Advantage Ins Co PA ,237, ,592, ,209 First Comm Hlth Plan Inc AL ,162, ,640, ,481 Capital Blue Cross PA ,112, ,937, ,209 Avalon Ins Co PA ,039, ,566, Constitution Life Ins Co TX ,012, ,451, Columbian Mut Life Ins Co NY ,989, ,454, CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 40

47 June 25, 2015 In Order by Direct Premiums NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS U.S. and U.S. Territories of Dom INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Globe Life & Accident Ins Co NE ,798, ,536, ,254 Blue Cross of ID Hlth Serv Inc ID ,659, ,243, Unity Hlth Plans Ins Corp WI ,649, ,050, Medico Corp Life Ins Co NE ,543, ,008, ,414 Mut Ins Co GA ,296, ,110, Humanadental Ins Co WI ,267, , ,517 Liberty Natl Life Ins Co NE ,247, , ,059 Alliance Hlth & Life Ins Co MI ,239, , Order of United Commercial Travelers OH ,071, , Regence Blueshield Of ID Inc ID , , Health Now NY Inc NY , ,588, New W Hlth Serv MT , , Sanford Hlth Plan SD , , Washington Natl Ins Co IN , , THP Ins Co WV , , ,412 Health Tradition Hlth Plan WI , , Security Hlth Plan of WI Inc WI , , Group Hlth Inc NY , , Paramount Ins Co OH , , Christian Fidelity Life Ins Co TX , , Qualchoice Life & Hlth Ins Co Inc AR , , MercyCare HMO Inc WI , , Genworth Life Ins Co DE , ,217, American Progressive L&H Ins Of NY NY , , Physicians Plus Ins Corp WI , , BCBS of VT VT , , Aultcare Ins Co OH , , Companion Life Ins Co SC , , Communitycare Life & Hlth Ins Co OK , , Royal Neighbors Of Amer IL , , Gundersen Hlth Plan Inc WI , , Ryder Hlth Plan Inc PR , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 41

48 June 25, 2015 In Order by Direct Premiums NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS U.S. and U.S. Territories of Dom INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Health First Ins Inc FL , , EPIC Life Ins Co WI , , LifeWise Hlth Plan of OR Inc OR , , Summa Ins Co Inc OH , , Horizon Hlthcare Serv Inc NJ , , ,530 Coventry Hlth & Life Ins Co MO , , American Pioneer Life Ins Co FL , , Sierra Hlth & Life Ins Co Inc NV , , KPS Hlth Plans WA , , Pacificsource Hlth Plans OR , , Upmc Hlth Benefits Inc PA , , Bankers Fidelity Assur Co GA , , Sanford Hlth Plan of MN MN , , Standard Life & Cas Ins Co UT , , CSI Life Ins Co NE , , Western Catholic Union IL , , Individual Assur Co Life Hlth & Acc OK , , Members Hlth Ins Co AZ , , Pacificare Life & Hlth Ins Co IN , , United Hlthcare of AL Inc AL , , Cigna Hlth & Life Ins Co CT , , Pyramid Life Ins Co KS , , Central s H & L Co Of Omaha NE , Loyal Christian Benefit Assn PA , , Transamerica Premier Life Ins Co IA , Shenandoah Life Ins Co VA , , Consumers Life Ins Co OH , Humana Benefit Plan of IL Inc IL Unicare Life & Hlth Ins Co IN N/A 0 TOTAL 5,660,943,396 4,537,901, ,486,288 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 42

49 INDIVIDUAL POLICIES ISSUED IN 2012, 2013 AND 2014 BY COMPANY NAME 43

50 44

51 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Aetna Hlth & Life Ins Co CT ,020, ,973, ,622 Aetna Life Ins Co CT ,231, ,842, ,194 Alliance Hlth & Life Ins Co MI ,239, , American Continental Ins Co TN ,517, ,666, ,473 American Family Life Assur Co of Col NE ,571, ,459, ,520 American Pioneer Life Ins Co FL , , American Progressive L&H Ins Of NY NY , , American Republic Corp Ins Co NE ,970, ,527, ,123 American Republic Ins Co IA ,197, ,176, ,326 American Retirement Life Ins Co OH ,907, ,751, ,913 Anthem Hlth Plans Inc CT ,669, ,581, ,357 Anthem Hlth Plans Of KY Inc KY ,091, ,932, ,345 Anthem Hlth Plans of ME Inc ME ,386, ,401, ,555 Anthem Hlth Plans of NH NH ,929, ,343, ,458 Anthem Hlth Plans of VA Inc VA ,295, ,203, ,732 Anthem Ins Co Inc IN ,104, ,706, ,098 Asuris NW Hlth WA ,096, ,621, ,167 Aultcare Ins Co OH , , Avalon Ins Co PA ,039, ,566, Avera Hlth Plans Inc SD ,091, ,562, ,056 Bankers Conseco Life Ins Co NY ,764, ,723, ,190 Bankers Fidelity Assur Co GA , , Bankers Fidelity Life Ins Co GA ,018, ,965, ,978 BCBS of AL AL ,079, ,741, ,649 BCBS of AZ Inc AZ ,046, ,361, ,643 BCBS Of FL FL ,412, ,715, ,864 BCBS of GA Inc GA ,345, ,386, ,138 BCBS of KC MO ,336, ,657, ,092 BCBS Of KS Inc KS ,029, ,743, ,606 BCBS of MA MA ,221, ,981, ,902 BCBS of MI Mut Ins Co MI ,023, ,174, ,771 BCBS Of MS Mut Ins Co MS ,670, ,969, ,612 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 45

52 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered BCBS of NC Inc NC ,843, ,120, ,792 BCBS Of NE NE ,595, ,226, ,966 BCBS of RI RI ,737, ,330, ,223 BCBS Of SC Inc SC ,303, ,195, ,243 BCBS of TN Inc TN ,194, ,505, ,249 BCBS of VT VT , , BCBS of WI WI ,933, ,350, ,706 BCBS of WY WY ,871, ,850, ,729 BCBSM Inc MN ,760, ,545, ,734 Blue Care Network Of MI MI ,904, ,722, ,936 Blue Cross of ID Hlth Serv Inc ID ,659, ,243, Capital Advantage Ins Co PA ,237, ,592, ,209 Capital Blue Cross PA ,112, ,937, ,209 Carefirst of MD Inc MD ,764, ,363, ,368 CDPHP Universal Benefits Inc NY ,536, ,591, ,782 Central s H & L Co Of Omaha NE , Central s Ind Co Of Omaha NE ,300, ,633, ,671 Christian Fidelity Life Ins Co TX , , Cigna Hlth & Life Ins Co CT , , Colonial Penn Life Ins Co PA ,156, ,336, ,809 Columbian Mut Life Ins Co NY ,989, ,454, Combined Ins Co Of Amer IL ,256, ,058, ,164 Community Ins Co OH ,327, ,427, ,175 Communitycare Life & Hlth Ins Co OK , , Companion Life Ins Co SC , , Constitution Life Ins Co TX ,012, ,451, Consumers Life Ins Co OH , Continental Gen Ins Co OH ,686, ,854, ,366 Continental Life Ins Co Brentwood TN ,714, ,561, ,666 Country Life Ins Co IL ,843, ,609, ,064 Coventry Hlth & Life Ins Co MO , , CSI Life Ins Co NE , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 46

53 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Dean Hlth Plan Inc WI ,755, ,462, ,385 Empire Healthchoice Assur Inc NY ,001, ,493, ,069 EPIC Life Ins Co WI , , Equitable Life & Cas Ins Co UT ,556, ,301, ,745 Everence Assn Inc IN ,401, ,353, ,287 Excellus Hlth Plan Inc NY ,450, ,874, ,124 Fallon Hlth & Life Assur Co MA ,362, ,074, ,822 Family Life Ins Co TX ,042, ,724, ,066 First Comm Hlth Plan Inc AL ,162, ,640, ,481 First United Amer Life Ins Co NY ,744, ,578, ,143 Forethought Life Ins Co IN ,239, ,578, ,739 Geisinger Ind Ins Co PA ,127, ,275, ,963 Genworth Life & Ann Ins Co VA ,816, ,537, ,879 Genworth Life Ins Co DE , ,217, Gerber Life Ins Co NY ,644, ,360, ,015 Globe Life & Accident Ins Co NE ,798, ,536, ,254 Government Personnel Mut Life Ins Co TX ,821, ,660, ,778 Group Hlth Coop of S Central WI WI ,521, ,113, ,227 Group Hlth Inc NY , , Group Hospitalization & Med Srvcs DC ,805, ,652, ,773 Gundersen Hlth Plan Inc WI , , Health Alliance Medical Plans IL ,037, ,399, Health Care Serv Corp A Mut Legal Re IL ,039, ,701, ,770 Health First Ins Inc FL , , Health Net Life Ins Co CA ,284, ,727, ,627 Health Now NY Inc NY , ,588, Health Tradition Hlth Plan WI , , Healthy Alliance Life Ins Co MO ,716, ,519, ,681 Heartland Natl Life Ins Co IN ,009, ,310, ,599 Highmark BCBSD Inc DE ,570, ,382, ,162 Highmark Inc PA ,650, ,100, ,491 Highmark West Virginia Inc. WV ,404, ,968, ,193 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 47

54 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Horizon Hlthcare Serv Inc NJ , , ,530 Horizon Ins Co NJ ,734, ,060, ,530 Hospital Serv Assn of NE PA PA ,501, ,976, ,714 HPHC Ins Co Inc MA ,794, ,328, ,459 Humana Benefit Plan of IL Inc IL Humana Hlth Benefit Plan of LA Inc LA ,651, ,663, ,206 Humana Hlth Ins Co Of FL Inc FL ,565, ,502, ,835 Humana Ins Co WI ,767, ,584, ,151 Humana Ins Co Of KY KY ,864, ,468, ,246 Humana Ins Co of NY NY ,436, ,202, ,194 Humanadental Ins Co WI ,267, , ,517 Independence Hospital Ind Plan Inc PA ,573, ,248, ,390 Individual Assur Co Life Hlth & Acc OK , , KPS Hlth Plans WA , , Liberty Natl Life Ins Co NE ,247, , ,059 LifeWise Hlth Plan of OR Inc OR , , Louisiana Hlth Serv & Ind Co LA ,581, ,917, ,279 Loyal Amer Life Ins Co OH ,261, ,316, ,486 Loyal Christian Benefit Assn PA , , Manhattan Life Ins Co NY ,221, ,080, ,546 Marquette Natl Life Ins Co TX ,532, ,997, Medical Mut Of OH OH ,989, ,329, ,767 Medico Corp Life Ins Co NE ,543, ,008, ,414 Medico Ins Co NE ,697, ,234, ,801 Members Hlth Ins Co AZ , , MercyCare HMO Inc WI , , Mutual Of Omaha Ins Co NE ,570, ,603, ,396 New Era Life Ins Co TX ,705, ,304, ,843 New Era Life Ins Co Of Midwest TX ,950, ,085, ,482 New W Hlth Serv MT , , Noridian Mut Ins Co ND ,454, ,485, ,012 Old Surety Life Ins Co OK ,514, ,068, ,370 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 48

55 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Omaha Ins Co NE ,994, ,165, ,687 Order of United Commercial Travelers OH ,071, , Oxford Life Ins Co AZ ,786, ,962, ,611 Pacificare Life & Hlth Ins Co IN , , Pacificsource Hlth Plans OR , , Paramount Ins Co OH , , Pekin Life Ins Co IL ,338, ,397, ,932 Philadelphia Amer Life Ins Co TX ,405, ,756, ,347 Physicians Mut Ins Co NE ,435, ,691, ,722 Physicians Plus Ins Corp WI , , Premera Blue Cross WA ,904, ,314, ,413 Priority Hlth MI ,662, ,055, ,014 Pyramid Life Ins Co KS , , Qualchoice Life & Hlth Ins Co Inc AR , , Regence BCBS of OR OR ,167, ,865, ,835 Regence BCBS of UT UT ,894, ,739, ,316 Regence BlueShield WA ,822, ,391, ,079 Regence Blueshield Of ID Inc ID , , Reserve Natl Ins Co OK ,813, ,593, ,897 Rocky Mountain Hospital & Medical CO ,335, ,093, ,284 Royal Neighbors Of Amer IL , , Ryder Hlth Plan Inc PR , , Sanford Hlth Plan SD , , Sanford Hlth Plan of MN MN , , Security Hlth Plan of WI Inc WI , , Sentinel Security Life Ins Co UT ,723, ,229, ,003 Shenandoah Life Ins Co VA , , Sierra Hlth & Life Ins Co Inc NV , , Standard Life & Accident Ins Co TX ,205, ,027, ,642 Standard Life & Cas Ins Co UT , , Farm Mut Auto Ins Co IL ,989, ,117, ,789 Mut Ins Co GA ,296, ,110, CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 49

56 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom U.S. and U.S. Territories INDIVIDUAL POLICIES ISSUED IN Cocode Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Sterling Investors Life Ins Co GA ,385, ,977, ,575 Sterling Life Ins Co IL ,634, ,978, ,463 Stonebridge Life Ins Co VT ,717, ,919, ,131 Summa Ins Co Inc OH , , The Vt Hlth Plan LLC VT ,449, ,789, ,226 THP Ins Co WV , , ,412 Thrivent Financial For Lutherans WI ,406, ,269, ,331 Transamerica Life Ins Co IA ,252, ,080, ,656 Transamerica Premier Life Ins Co IA , Triple S Salud Inc PR ,452, ,435, ,155 Tufts Ins Co Inc MA ,547, ,287, ,493 Unicare Life & Hlth Ins Co IN N/A 0 United Amer Ins Co NE ,241, ,660, ,883 United Hlthcare of AL Inc AL , , United Natl Life Ins Co Of Amer IL ,389, ,425, ,167 United Of Omaha Life Ins Co NE ,187, ,791, ,598 United World Life Ins Co NE ,214, ,640, ,544 UnitedHealthcare Ins Co CT ,968, ,055, ,000 Unity Hlth Plans Ins Corp WI ,649, ,050, Universal Fidelity Life Ins Co OK ,035, ,054, ,234 Upmc Hlth Benefits Inc PA , , USAA Life Ins Co TX ,661, ,903, ,972 USAble Mut Ins Co AR ,898, ,308, ,806 Washington Natl Ins Co IN , , Wellmark Inc IA ,292, ,371, ,518 Wellmark Of SD Inc SD ,534, ,753, ,646 Western Catholic Union IL , , Wisconsin Physicians Serv Ins Corp WI ,057, ,714, ,279 Woodmen World Assur Life Assn CO ,595, ,472, ,126 TOTAL 5,660,943,396 4,537,901, ,486,288 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 50

57 TOTAL INDIVIDUAL POLICIES BY DIRECT PREMIUMS EARNED 51

58 52

59 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered UnitedHealthcare Ins Co CT ,061,502, ,395,096, ,334,449 Health Care Serv Corp A Mut Legal Re IL ,344,474, ,005,239, ,859 United Of Omaha Life Ins Co NE ,127,312, ,163, ,047 Mutual Of Omaha Ins Co NE ,174, ,518, ,106 United World Life Ins Co NE ,761, ,355, ,762 BCBS of MA MA ,819, ,319, ,256 BCBS Of FL FL ,587, ,077, ,914 Bankers Life & Cas Co IL ,659, ,324, ,629 Wellmark Inc IA ,644, ,435, ,317 BCBS of NC Inc NC ,577, ,709, ,601 Colonial Penn Life Ins Co PA ,833, ,944, ,335 American Continental Ins Co TN ,161, ,207, ,681 Continental Life Ins Co Brentwood TN ,951, ,295, ,418 BCBS of MI Mut Ins Co MI ,023, ,174, ,771 Anthem Hlth Plans of VA Inc VA ,197, ,174, ,916 Farm Mut Auto Ins Co IL ,011, ,918, ,558 Horizon Ins Co NJ ,315, ,089, ,694 Highmark Inc PA ,849, ,187, ,652 USAble Mut Ins Co AR ,884, ,106, ,137 United Amer Ins Co NE ,807, ,195, ,414 BCBS Of KS Inc KS ,018, ,792, ,672 BCBSM Inc MN ,593, ,057, ,912 BCBS of AL AL ,703, ,833, ,607 Humana Ins Co WI ,105, ,021, ,373 USAA Life Ins Co TX ,662, ,775, ,848 Anthem Hlth Plans Of KY Inc KY ,778, ,446, ,589 Physicians Mut Ins Co NE ,448, ,101, ,134 Carefirst of MD Inc MD ,267, ,442, ,111 BCBS of GA Inc GA ,709, ,527, ,380 Anthem Ins Co Inc IN ,224, ,559, ,258 Omaha Ins Co NE ,994, ,165, ,687 BCBS Of SC Inc SC ,410, ,846, ,787 BCBS Of NE NE ,367, ,875, ,729 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 53

60 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Gerber Life Ins Co NY ,543, ,375, ,025 American Retirement Life Ins Co OH ,907, ,751, ,913 Wisconsin Physicians Serv Ins Corp WI ,474, ,058, ,319 BCBS of TN Inc TN ,439, ,575, ,222 Louisiana Hlth Serv & Ind Co LA ,383, ,749, ,019 Empire Healthchoice Assur Inc NY ,350, ,650, ,407 Sterling Life Ins Co IL ,798, ,925, ,856 Healthy Alliance Life Ins Co MO ,931, ,737, ,866 Equitable Life & Cas Ins Co UT ,444, ,139, ,904 New Era Life Ins Co TX ,128, ,894, ,154 Loyal Amer Life Ins Co OH ,849, ,868, ,730 Philadelphia Amer Life Ins Co TX ,223, ,607, ,067 Aetna Life Ins Co CT ,428, ,490, ,953 Bankers Fidelity Life Ins Co GA ,964, ,559, ,159 Physicians Life Ins Co NE ,471, ,674, ,461 Noridian Mut Ins Co ND ,286, ,978, ,407 BCBS of WI WI ,195, ,065, ,232 Rocky Mountain Hospital & Medical CO ,999, ,210, ,618 Washington Natl Ins Co IN ,000, ,676, ,028 American Republic Ins Co IA ,150, ,597, ,135 Community Ins Co OH ,601, ,887, ,577 BCBS of AZ Inc AZ ,127, ,942, ,229 Standard Life & Accident Ins Co TX ,673, ,044, ,054 Thrivent Financial For Lutherans WI ,104, ,922, ,327 Forethought Life Ins Co IN ,759, ,221, ,588 Anthem Hlth Plans Inc CT ,013, ,809, ,825 Order of United Commercial Travelers OH ,788, ,901, ,197 Anthem Hlth Plans of NH NH ,200, ,768, ,744 Family Life Ins Co TX ,042, ,724, ,066 Premera Blue Cross WA ,804, ,623, ,345 Stonebridge Life Ins Co VT ,717, ,919, ,131 Central s Ind Co Of Omaha NE ,584, ,788, ,825 HPHC Ins Co Inc MA ,635, ,242, ,941 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 54

61 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered BCBS of KC MO ,353, ,638, ,789 Genworth Life & Ann Ins Co VA ,310, ,890, ,709 American Republic Corp Ins Co NE ,101, ,933, ,835 American Family Life Assur Co of Col NE ,685, ,988, ,924 Combined Ins Co Of Amer IL ,233, ,710, ,857 Country Life Ins Co IL ,231, ,166, ,806 Wellmark Of SD Inc SD ,763, ,301, ,847 Woodmen World Assur Life Assn CO ,678, ,424, ,603 Continental Gen Ins Co OH ,184, ,409, ,797 Regence BlueShield WA ,149, ,827, ,948 Medico Ins Co NE ,005, ,981, ,673 New Era Life Ins Co Of Midwest TX ,433, ,870, ,908 United Teacher Assoc Ins Co TX ,096, ,094, ,492 Health Net Life Ins Co CA ,007, ,805, ,556 Constitution Life Ins Co TX ,699, ,041, ,352 Sentinel Security Life Ins Co UT ,568, ,163, ,985 Anthem Hlth Plans of ME Inc ME ,165, ,895, ,150 Old Surety Life Ins Co OK ,541, ,411, ,869 BCBS of RI RI ,031, ,079, ,896 Independence Hospital Ind Plan Inc PA ,344, ,240, ,260 Christian Fidelity Life Ins Co TX ,653, ,216, ,496 Reserve Natl Ins Co OK ,363, ,757, ,815 Everence Assn Inc IN ,236, ,471, ,205 American Pioneer Life Ins Co FL ,823, ,435, ,437 Royal Neighbors Of Amer IL ,447, ,366, ,607 Hospital Serv Assn of NE PA PA ,857, ,537, ,718 BCBS Of MS Mut Ins Co MS ,120, ,748, ,547 Dean Hlth Plan Inc WI ,330, ,034, ,967 American Family Mut Ins Co WI ,194, ,335, ,906 Government Personnel Mut Life Ins Co TX ,281, ,488, ,957 Regence BCBS of UT UT ,338, ,843, ,863 Triple S Salud Inc PR ,452, ,435, ,155 First United Amer Life Ins Co NY ,369, ,088, ,332 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 55

62 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Golden Rule Ins Co IN ,034, ,801, ,008 Capital Advantage Ins Co PA ,424, ,186, ,998 Blue Care Network Of MI MI ,962, ,174, ,748 Oxford Life Ins Co AZ ,545, ,801, ,238 Capital Blue Cross PA ,892, ,346, ,998 Excellus Hlth Plan Inc NY ,070, ,032, ,739 Heartland Natl Life Ins Co IN ,808, ,125, ,764 Medical Mut Of OH OH ,327, ,459, ,725 Regence BCBS of OR OR ,856, ,793, ,549 Pekin Life Ins Co IL ,820, ,368, ,172 North Amer Ins Co WI ,805, ,756, ,126 Principal Life Ins Co IA ,696, ,681, ,357 Transamerica Life Ins Co IA ,471, ,027, ,102 Unicare Life & Hlth Ins Co IN ,915, ,706, ,845 Group Hospitalization & Med Srvcs DC ,992, ,482, ,128 Sterling Investors Life Ins Co GA ,685, ,451, ,734 Lincoln Heritage Life Ins Co IL ,400, ,569, ,675 Blue Cross of ID Hlth Serv Inc ID ,235, ,134, ,107 Pyramid Life Ins Co KS ,053, ,791, ,726 Manhattan Life Ins Co NY ,221, ,080, ,546 BCBS of WY WY ,820, ,605, ,119 American Progressive L&H Ins Of NY NY ,707, ,045, ,925 Sierra Hlth & Life Ins Co Inc NV ,147, ,467, ,348 Avera Hlth Plans Inc SD ,088, ,676, ,875 Priority Hlth MI ,662, ,055, ,014 Highmark West Virginia Inc. WV ,532, ,847, ,775 Guarantee Trust Life Ins Co IL ,892, ,150, ,659 Provident Amer Life & Hlth Ins Co OH ,726, ,400, ,545 Marquette Natl Life Ins Co TX ,634, ,598, ,209 Pacificare Life & Hlth Ins Co IN ,359, ,277, ,892 Central s H & L Co Of Omaha NE ,039, ,236, ,769 Regence Blueshield Of ID Inc ID ,954, ,582, ,600 Mut Ins Co GA ,794, ,167, ,617 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 56

63 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Tufts Ins Co Inc MA ,547, ,287, ,493 Celtic Ins Co IL ,907, ,861, ,794 Highmark BCBSD Inc DE ,600, ,711, ,652 Puritan Life Ins Co of Amer TX ,663, ,173, ,759 BCBS of VT VT ,591, ,263, ,541 Nationwide Life Ins Co OH ,413, ,388, ,755 Universal Fidelity Life Ins Co OK ,122, ,338, ,404 Aetna Hlth & Life Ins Co CT ,020, ,973, ,622 Globe Life & Accident Ins Co NE ,999, ,577, ,336 CDPHP Universal Benefits Inc NY ,732, ,743, ,883 Humana Hlth Ins Co Of FL Inc FL ,600, ,767, ,751 Humana Ins Co of NY NY ,381, ,872, ,627 Humana Ins Co Of KY KY ,054, ,230, ,830 United Natl Life Ins Co Of Amer IL ,987, ,972, ,460 Shenandoah Life Ins Co VA ,884, ,114, ,858 Health Now NY Inc NY ,843, ,770, ,564 Central Reserve Life Ins Co OH ,735, ,017, ,963 Pennsylvania Life Ins Co PA ,431, ,806, ,858 First Comm Hlth Plan Inc AL ,089, ,987, ,143 Great Amer Life Ins Co OH ,455, ,660, ,163 Group Hlth Inc NY ,375, ,041, ,011 Bankers Conseco Life Ins Co NY ,025, ,351, ,973 Transamerica Premier Life Ins Co IA ,846, ,219, ,694 Coventry Hlth & Life Ins Co MO ,616, ,829, ,959 Health Alliance Medical Plans IL ,564, ,104, ,684 Health Net Hlth Plan of OR Inc OR ,492, ,485, ,434 The Vt Hlth Plan LLC VT ,304, ,449, ,742 Security Hlth Plan of WI Inc WI ,258, ,330, ,725 Unified Life Ins Co TX ,052, ,587, ,711 Asuris NW Hlth WA ,946, ,258, ,868 Fallon Hlth & Life Assur Co MA ,362, ,074, ,822 Sanford Hlth Plan SD ,138, ,447, ,922 Geisinger Ind Ins Co PA ,127, ,275, ,963 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 57

64 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Inter Cty Hospitalization Plan Inc PA ,033, ,657, ,420 Health Tradition Hlth Plan WI ,971, ,256, ,721 LifeWise Hlth Plan of OR Inc OR ,938, ,768, ,012 Ryder Hlth Plan Inc PR ,751, ,210, ,827 Avalon Ins Co PA ,558, ,611, Genworth Life Ins Co DE ,198, ,795, Paramount Ins Co OH ,160, ,848, ,178 Physicians Plus Ins Corp WI ,146, ,545, ,295 Humana Hlth Benefit Plan of LA Inc LA ,034, ,884, ,359 Liberty Natl Life Ins Co NE ,984, ,801, ,120 Unity Hlth Plans Ins Corp WI ,894, ,905, ,512 New York Life Ins Co NY ,869, ,075, KPS Hlth Plans WA ,868, ,035, ,070 Columbian Mut Life Ins Co NY ,737, ,066, ,273 Group Hlth Coop of S Central WI WI ,521, ,113, ,227 Alliance Hlth & Life Ins Co MI ,380, ,840, Conseco Life Ins Co IN ,173, ,623, Medico Corp Life Ins Co NE ,032, ,478, ,599 American Gen Life Ins Co TX ,916, ,380, Connecticut Gen Life Ins Co CT ,815, ,271, United Hlthcare of AL Inc AL ,809, ,368, Jefferson Natl Life Ins Co TX ,761, ,321, Idealife Ins Co CT ,634, , Central United Life Ins Co AR ,354, , Transamerica Financial Life Ins Co NY ,298, , Humanadental Ins Co WI ,267, , ,517 New W Hlth Serv MT ,157, , Kanawha Ins Co SC ,071, , MercyCare HMO Inc WI ,036, , Union Fidelity Life Ins Co KS , , Auto Owners Life Ins Co MI , , Hartford Life Ins Co CT , , Communitycare Life & Hlth Ins Co OK , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 58

65 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered BridgeSpan Hlth Co UT , , Shelter Life Ins Co MO , , UTMB Hlth Plans Inc TX , , THP Ins Co WV , , ,412 Consumers Life Ins Co OH , , Companion Life Ins Co SC , , Ability Ins Co NE , , Providence Hlth Plan OR , , American Family Life Assur Co of NY NY , , SPJST TX , , Southwest Serv Life Ins Co TX , , Horizon Hlthcare Serv Inc NJ , ,500, ,161 Qualchoice Life & Hlth Ins Co Inc AR , , American Income Life Ins Co IN , , Inter Cnty Hlth Plan Inc PA , , ,412 Medica Hlth Plans MN , , Compcare Hlth Serv Ins Corp WI , , Jackson Natl Life Ins Co MI , , Sanford Hlth Plan of MN MN , , HMO dba Blue Plus MN , , John Alden Life Ins Co WI , , American Family Ins Co OH , , Time Ins Co WI , , WPS Hlth Plan Inc WI , , Aultcare Ins Co OH , , Jefferson Life Ins Co TX , , Gundersen Hlth Plan Inc WI , , Union Labor Life Ins Co MD , , Trustmark Ins Co IL , , Hawaii Medical Serv Assn HI , , UCare MN MN , , EPIC Life Ins Co WI , , Upmc Hlth Benefits Inc PA , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 59

66 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Health First Ins Inc FL , , Prudential Ins Co Of Amer NJ , , Allianz Life Ins Co Of N Amer MN , , United Farm Family Life Ins Co IN , , American Natl Ins Co TX , , Summa Ins Co Inc OH , , USAble Life AR , , IA Amer Life Ins Co TX , , National Found Life Ins Co TX , , United Security Assur Co Of PA PA , , Sagicor Life Ins Co TX , , st Century Premier Ins Co PA , , Pacificsource Hlth Plans OR , , Cincinnati Equitable Life Ins Co OH , , Group Hlth Coop of Eau Claire WI , , Bankers Fidelity Assur Co GA , , Standard Life & Cas Ins Co UT , , Kansas City Life Ins Co MO , , Medisun Inc AZ , , CSI Life Ins Co NE , , Medical Hlth Insuring Corp of OH OH , , Western Catholic Union IL , , Central Security Life Ins Co TX , , Mid West Natl Life Ins Co Of TN TX , , United Hlthcare of AZ Inc AZ , , Individual Assur Co Life Hlth & Acc OK , , Members Hlth Ins Co AZ , , US Hlth & Life Ins Co Inc MI , , Assurity Life Ins Co NE , , Voya Retirement Ins & Ann Co CT , , CSA Fraternal Life IL , , National Hlth Ins Co TX , , Colonial Life & Accident Ins Co SC , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 60

67 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Protective Life Ins Co TN , , Federated Mut Ins Co MN , , LifeSecure Ins Co MI , , Provident Amer Ins Co TX , , National Cas Co WI , , Cigna Hlth & Life Ins Co CT , , Old Amer Ins Co MO , Federal Life Ins Co IL , , Cincinnati Life Ins Co OH , , Lincoln Republic Ins Co ND , , United Heritage Life Ins Co ID , , Midwestern United Life Ins Co IN , , Security Life Of Denver Ins Co CO , , Loyal Christian Benefit Assn PA , , Motorists Commercial Mut Ins Co OH , Metropolitan Life Ins Co NY , , Hartford Life & Accident Ins Co CT , , Investors Heritage Life Ins Co KY , , BCS Ins Co OH , Investors Life Ins Co N Amer TX , Hartford Life & Ann Ins Co CT Careamerica Life Ins Co CA Humana Benefit Plan of IL Inc IL CICA Life Ins Co of Amer CO National Guardian Life Ins Co WI ,334 2, Reliable Life Ins Co MO Rocky Mountain Hlthcare Options Inc CO ,360 N/A 0 Madison Natl Life Ins Co Inc WI American Fidelity Assur Co OK , , TOTAL 18,546,607,052 14,069,528, ,432,133 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 61

68 62

69 TOTAL INDIVIDUAL POLICIES BY COMPANY NAME 63

70 64

71 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered 21st Century Premier Ins Co PA , , Ability Ins Co NE , , Aetna Hlth & Life Ins Co CT ,020, ,973, ,622 Aetna Life Ins Co CT ,428, ,490, ,953 Alliance Hlth & Life Ins Co MI ,380, ,840, Allianz Life Ins Co Of N Amer MN , , American Continental Ins Co TN ,161, ,207, ,681 American Family Ins Co OH , , American Family Life Assur Co of Col NE ,685, ,988, ,924 American Family Life Assur Co of NY NY , , American Family Mut Ins Co WI ,194, ,335, ,906 American Fidelity Assur Co OK , , American Gen Life Ins Co TX ,916, ,380, American Income Life Ins Co IN , , American Natl Ins Co TX , , American Pioneer Life Ins Co FL ,823, ,435, ,437 American Progressive L&H Ins Of NY NY ,707, ,045, ,925 American Republic Corp Ins Co NE ,101, ,933, ,835 American Republic Ins Co IA ,150, ,597, ,135 American Retirement Life Ins Co OH ,907, ,751, ,913 Anthem Hlth Plans Inc CT ,013, ,809, ,825 Anthem Hlth Plans Of KY Inc KY ,778, ,446, ,589 Anthem Hlth Plans of ME Inc ME ,165, ,895, ,150 Anthem Hlth Plans of NH NH ,200, ,768, ,744 Anthem Hlth Plans of VA Inc VA ,197, ,174, ,916 Anthem Ins Co Inc IN ,224, ,559, ,258 Assurity Life Ins Co NE , , Asuris NW Hlth WA ,946, ,258, ,868 Aultcare Ins Co OH , , Auto Owners Life Ins Co MI , , Avalon Ins Co PA ,558, ,611, Avera Hlth Plans Inc SD ,088, ,676, ,875 Bankers Conseco Life Ins Co NY ,025, ,351, ,973 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 65

72 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Bankers Fidelity Assur Co GA , , Bankers Fidelity Life Ins Co GA ,964, ,559, ,159 Bankers Life & Cas Co IL ,659, ,324, ,629 BCBS of AL AL ,703, ,833, ,607 BCBS of AZ Inc AZ ,127, ,942, ,229 BCBS Of FL FL ,587, ,077, ,914 BCBS of GA Inc GA ,709, ,527, ,380 BCBS of KC MO ,353, ,638, ,789 BCBS Of KS Inc KS ,018, ,792, ,672 BCBS of MA MA ,819, ,319, ,256 BCBS of MI Mut Ins Co MI ,023, ,174, ,771 BCBS Of MS Mut Ins Co MS ,120, ,748, ,547 BCBS of NC Inc NC ,577, ,709, ,601 BCBS Of NE NE ,367, ,875, ,729 BCBS of RI RI ,031, ,079, ,896 BCBS Of SC Inc SC ,410, ,846, ,787 BCBS of TN Inc TN ,439, ,575, ,222 BCBS of VT VT ,591, ,263, ,541 BCBS of WI WI ,195, ,065, ,232 BCBS of WY WY ,820, ,605, ,119 BCBSM Inc MN ,593, ,057, ,912 BCS Ins Co OH , Blue Care Network Of MI MI ,962, ,174, ,748 Blue Cross of ID Hlth Serv Inc ID ,235, ,134, ,107 BridgeSpan Hlth Co UT , , Capital Advantage Ins Co PA ,424, ,186, ,998 Capital Blue Cross PA ,892, ,346, ,998 Careamerica Life Ins Co CA Carefirst of MD Inc MD ,267, ,442, ,111 CDPHP Universal Benefits Inc NY ,732, ,743, ,883 Celtic Ins Co IL ,907, ,861, ,794 Central Reserve Life Ins Co OH ,735, ,017, ,963 Central Security Life Ins Co TX , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 66

73 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Central s H & L Co Of Omaha NE ,039, ,236, ,769 Central s Ind Co Of Omaha NE ,584, ,788, ,825 Central United Life Ins Co AR ,354, , Christian Fidelity Life Ins Co TX ,653, ,216, ,496 CICA Life Ins Co of Amer CO Cigna Hlth & Life Ins Co CT , , Cincinnati Equitable Life Ins Co OH , , Cincinnati Life Ins Co OH , , Colonial Life & Accident Ins Co SC , , Colonial Penn Life Ins Co PA ,833, ,944, ,335 Columbian Mut Life Ins Co NY ,737, ,066, ,273 Combined Ins Co Of Amer IL ,233, ,710, ,857 Community Ins Co OH ,601, ,887, ,577 Communitycare Life & Hlth Ins Co OK , , Companion Life Ins Co SC , , Compcare Hlth Serv Ins Corp WI , , Connecticut Gen Life Ins Co CT ,815, ,271, Conseco Life Ins Co IN ,173, ,623, Constitution Life Ins Co TX ,699, ,041, ,352 Consumers Life Ins Co OH , , Continental Gen Ins Co OH ,184, ,409, ,797 Continental Life Ins Co Brentwood TN ,951, ,295, ,418 Country Life Ins Co IL ,231, ,166, ,806 Coventry Hlth & Life Ins Co MO ,616, ,829, ,959 CSA Fraternal Life IL , , CSI Life Ins Co NE , , Dean Hlth Plan Inc WI ,330, ,034, ,967 Empire Healthchoice Assur Inc NY ,350, ,650, ,407 EPIC Life Ins Co WI , , Equitable Life & Cas Ins Co UT ,444, ,139, ,904 Everence Assn Inc IN ,236, ,471, ,205 Excellus Hlth Plan Inc NY ,070, ,032, ,739 Fallon Hlth & Life Assur Co MA ,362, ,074, ,822 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 67

74 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Family Life Ins Co TX ,042, ,724, ,066 Federal Life Ins Co IL , , Federated Mut Ins Co MN , , First Comm Hlth Plan Inc AL ,089, ,987, ,143 First United Amer Life Ins Co NY ,369, ,088, ,332 Forethought Life Ins Co IN ,759, ,221, ,588 Geisinger Ind Ins Co PA ,127, ,275, ,963 Genworth Life & Ann Ins Co VA ,310, ,890, ,709 Genworth Life Ins Co DE ,198, ,795, Gerber Life Ins Co NY ,543, ,375, ,025 Globe Life & Accident Ins Co NE ,999, ,577, ,336 Golden Rule Ins Co IN ,034, ,801, ,008 Government Personnel Mut Life Ins Co TX ,281, ,488, ,957 Great Amer Life Ins Co OH ,455, ,660, ,163 Group Hlth Coop of Eau Claire WI , , Group Hlth Coop of S Central WI WI ,521, ,113, ,227 Group Hlth Inc NY ,375, ,041, ,011 Group Hospitalization & Med Srvcs DC ,992, ,482, ,128 Guarantee Trust Life Ins Co IL ,892, ,150, ,659 Gundersen Hlth Plan Inc WI , , Hartford Life & Accident Ins Co CT , , Hartford Life & Ann Ins Co CT Hartford Life Ins Co CT , , Hawaii Medical Serv Assn HI , , Health Alliance Medical Plans IL ,564, ,104, ,684 Health Care Serv Corp A Mut Legal Re IL ,344,474, ,005,239, ,859 Health First Ins Inc FL , , Health Net Hlth Plan of OR Inc OR ,492, ,485, ,434 Health Net Life Ins Co CA ,007, ,805, ,556 Health Now NY Inc NY ,843, ,770, ,564 Health Tradition Hlth Plan WI ,971, ,256, ,721 Healthy Alliance Life Ins Co MO ,931, ,737, ,866 Heartland Natl Life Ins Co IN ,808, ,125, ,764 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 68

75 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Highmark BCBSD Inc DE ,600, ,711, ,652 Highmark Inc PA ,849, ,187, ,652 Highmark West Virginia Inc. WV ,532, ,847, ,775 HMO dba Blue Plus MN , , Horizon Hlthcare Serv Inc NJ , ,500, ,161 Horizon Ins Co NJ ,315, ,089, ,694 Hospital Serv Assn of NE PA PA ,857, ,537, ,718 HPHC Ins Co Inc MA ,635, ,242, ,941 Humana Benefit Plan of IL Inc IL Humana Hlth Benefit Plan of LA Inc LA ,034, ,884, ,359 Humana Hlth Ins Co Of FL Inc FL ,600, ,767, ,751 Humana Ins Co WI ,105, ,021, ,373 Humana Ins Co Of KY KY ,054, ,230, ,830 Humana Ins Co of NY NY ,381, ,872, ,627 Humanadental Ins Co WI ,267, , ,517 IA Amer Life Ins Co TX , , Idealife Ins Co CT ,634, , Independence Hospital Ind Plan Inc PA ,344, ,240, ,260 Individual Assur Co Life Hlth & Acc OK , , Inter Cnty Hlth Plan Inc PA , , ,412 Inter Cty Hospitalization Plan Inc PA ,033, ,657, ,420 Investors Heritage Life Ins Co KY , , Investors Life Ins Co N Amer TX , Jackson Natl Life Ins Co MI , , Jefferson Life Ins Co TX , , Jefferson Natl Life Ins Co TX ,761, ,321, John Alden Life Ins Co WI , , Kanawha Ins Co SC ,071, , Kansas City Life Ins Co MO , , KPS Hlth Plans WA ,868, ,035, ,070 Liberty Natl Life Ins Co NE ,984, ,801, ,120 LifeSecure Ins Co MI , , LifeWise Hlth Plan of OR Inc OR ,938, ,768, ,012 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 69

76 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Lincoln Heritage Life Ins Co IL ,400, ,569, ,675 Lincoln Republic Ins Co ND , , Louisiana Hlth Serv & Ind Co LA ,383, ,749, ,019 Loyal Amer Life Ins Co OH ,849, ,868, ,730 Loyal Christian Benefit Assn PA , , Madison Natl Life Ins Co Inc WI Manhattan Life Ins Co NY ,221, ,080, ,546 Marquette Natl Life Ins Co TX ,634, ,598, ,209 Medica Hlth Plans MN , , Medical Hlth Insuring Corp of OH OH , , Medical Mut Of OH OH ,327, ,459, ,725 Medico Corp Life Ins Co NE ,032, ,478, ,599 Medico Ins Co NE ,005, ,981, ,673 Medisun Inc AZ , , Members Hlth Ins Co AZ , , MercyCare HMO Inc WI ,036, , Metropolitan Life Ins Co NY , , Mid West Natl Life Ins Co Of TN TX , , Midwestern United Life Ins Co IN , , Motorists Commercial Mut Ins Co OH , Mutual Of Omaha Ins Co NE ,174, ,518, ,106 National Cas Co WI , , National Found Life Ins Co TX , , National Guardian Life Ins Co WI ,334 2, National Hlth Ins Co TX , , Nationwide Life Ins Co OH ,413, ,388, ,755 New Era Life Ins Co TX ,128, ,894, ,154 New Era Life Ins Co Of Midwest TX ,433, ,870, ,908 New W Hlth Serv MT ,157, , New York Life Ins Co NY ,869, ,075, Noridian Mut Ins Co ND ,286, ,978, ,407 North Amer Ins Co WI ,805, ,756, ,126 Old Amer Ins Co MO , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 70

77 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Old Surety Life Ins Co OK ,541, ,411, ,869 Omaha Ins Co NE ,994, ,165, ,687 Order of United Commercial Travelers OH ,788, ,901, ,197 Oxford Life Ins Co AZ ,545, ,801, ,238 Pacificare Life & Hlth Ins Co IN ,359, ,277, ,892 Pacificsource Hlth Plans OR , , Paramount Ins Co OH ,160, ,848, ,178 Pekin Life Ins Co IL ,820, ,368, ,172 Pennsylvania Life Ins Co PA ,431, ,806, ,858 Philadelphia Amer Life Ins Co TX ,223, ,607, ,067 Physicians Life Ins Co NE ,471, ,674, ,461 Physicians Mut Ins Co NE ,448, ,101, ,134 Physicians Plus Ins Corp WI ,146, ,545, ,295 Premera Blue Cross WA ,804, ,623, ,345 Principal Life Ins Co IA ,696, ,681, ,357 Priority Hlth MI ,662, ,055, ,014 Protective Life Ins Co TN , , Providence Hlth Plan OR , , Provident Amer Ins Co TX , , Provident Amer Life & Hlth Ins Co OH ,726, ,400, ,545 Prudential Ins Co Of Amer NJ , , Puritan Life Ins Co of Amer TX ,663, ,173, ,759 Pyramid Life Ins Co KS ,053, ,791, ,726 Qualchoice Life & Hlth Ins Co Inc AR , , Regence BCBS of OR OR ,856, ,793, ,549 Regence BCBS of UT UT ,338, ,843, ,863 Regence BlueShield WA ,149, ,827, ,948 Regence Blueshield Of ID Inc ID ,954, ,582, ,600 Reliable Life Ins Co MO Reserve Natl Ins Co OK ,363, ,757, ,815 Rocky Mountain Hlthcare Options Inc CO ,360 N/A 0 Rocky Mountain Hospital & Medical CO ,999, ,210, ,618 Royal Neighbors Of Amer IL ,447, ,366, ,607 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 71

78 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Ryder Hlth Plan Inc PR ,751, ,210, ,827 Sagicor Life Ins Co TX , , Sanford Hlth Plan SD ,138, ,447, ,922 Sanford Hlth Plan of MN MN , , Security Hlth Plan of WI Inc WI ,258, ,330, ,725 Security Life Of Denver Ins Co CO , , Sentinel Security Life Ins Co UT ,568, ,163, ,985 Shelter Life Ins Co MO , , Shenandoah Life Ins Co VA ,884, ,114, ,858 Sierra Hlth & Life Ins Co Inc NV ,147, ,467, ,348 Southwest Serv Life Ins Co TX , , SPJST TX , , Standard Life & Accident Ins Co TX ,673, ,044, ,054 Standard Life & Cas Ins Co UT , , Farm Mut Auto Ins Co IL ,011, ,918, ,558 Mut Ins Co GA ,794, ,167, ,617 Sterling Investors Life Ins Co GA ,685, ,451, ,734 Sterling Life Ins Co IL ,798, ,925, ,856 Stonebridge Life Ins Co VT ,717, ,919, ,131 Summa Ins Co Inc OH , , The Vt Hlth Plan LLC VT ,304, ,449, ,742 THP Ins Co WV , , ,412 Thrivent Financial For Lutherans WI ,104, ,922, ,327 Time Ins Co WI , , Transamerica Financial Life Ins Co NY ,298, , Transamerica Life Ins Co IA ,471, ,027, ,102 Transamerica Premier Life Ins Co IA ,846, ,219, ,694 Triple S Salud Inc PR ,452, ,435, ,155 Trustmark Ins Co IL , , Tufts Ins Co Inc MA ,547, ,287, ,493 UCare MN MN , , Unicare Life & Hlth Ins Co IN ,915, ,706, ,845 Unified Life Ins Co TX ,052, ,587, ,711 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 72

79 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL INDIVIDUAL POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Union Fidelity Life Ins Co KS , , Union Labor Life Ins Co MD , , United Amer Ins Co NE ,807, ,195, ,414 United Farm Family Life Ins Co IN , , United Heritage Life Ins Co ID , , United Hlthcare of AL Inc AL ,809, ,368, United Hlthcare of AZ Inc AZ , , United Natl Life Ins Co Of Amer IL ,987, ,972, ,460 United Of Omaha Life Ins Co NE ,127,312, ,163, ,047 United Security Assur Co Of PA PA , , United Teacher Assoc Ins Co TX ,096, ,094, ,492 United World Life Ins Co NE ,761, ,355, ,762 UnitedHealthcare Ins Co CT ,061,502, ,395,096, ,334,449 Unity Hlth Plans Ins Corp WI ,894, ,905, ,512 Universal Fidelity Life Ins Co OK ,122, ,338, ,404 Upmc Hlth Benefits Inc PA , , US Hlth & Life Ins Co Inc MI , , USAA Life Ins Co TX ,662, ,775, ,848 USAble Life AR , , USAble Mut Ins Co AR ,884, ,106, ,137 UTMB Hlth Plans Inc TX , , Voya Retirement Ins & Ann Co CT , , Washington Natl Ins Co IN ,000, ,676, ,028 Wellmark Inc IA ,644, ,435, ,317 Wellmark Of SD Inc SD ,763, ,301, ,847 Western Catholic Union IL , , Wisconsin Physicians Serv Ins Corp WI ,474, ,058, ,319 Woodmen World Assur Life Assn CO ,678, ,424, ,603 WPS Hlth Plan Inc WI , , TOTAL 18,546,607,052 14,069,528, ,432,133 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 73

80 74

81 GROUP POLICIES ISSUED THROUGH 2011 BY DIRECT PREMIUMS EARNED 75

82 76

83 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums of Dom Cocode Group Code U.S. and U.S. Territories GROUP POLICIES ISSUED THROUGH 2011 Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered UnitedHealthcare Ins Co CT ,871,361, ,251,245, ,153,902 United Hlthcare Ins Co Of NY NY ,407, ,809, ,400 Transamerica Life Ins Co IA ,342, ,023, ,518 American Republic Ins Co IA ,926, ,732, ,406 Community Ins Co OH ,620, ,453, ,477 Principal Life Ins Co IA ,299, ,692, ,902 Mutual Of Omaha Ins Co NE ,445, ,460, ,325 Bankers Life & Cas Co IL ,534, ,695, ,379 BCBS of MA MA ,843, ,765, ,266 Highmark Inc PA ,318, ,302, ,975 BCBS of TN Inc TN ,847, ,032, ,323 Premera Blue Cross WA ,111, ,546, ,314 Health Care Serv Corp A Mut Legal Re IL ,019, ,506, ,251 Transamerica Premier Life Ins Co IA ,384, ,696, ,682 Anthem Hlth Plans Inc CT ,602, ,925, ,533 Medico Ins Co NE ,021, ,925, ,756 BCBS Of KS Inc KS ,606, ,080, ,513 American Pioneer Life Ins Co FL ,113, ,251, ,460 BCBS of RI RI ,077, ,649, ,051 Independence Hospital Ind Plan Inc PA ,837, ,456, ,346 American Natl Life Ins Co Of TX TX ,143, ,687, ,219 Transamerica Financial Life Ins Co NY ,640, ,355, ,944 BCBS Of NE NE ,119, ,239, ,124 Continental Life Ins Co Brentwood TN ,936, ,835, ,953 United Amer Ins Co NE ,876, ,969, ,924 Anthem Hlth Plans of NH NH ,675, ,622, Amalgamated Life & Hlth Ins Co IL ,905, ,649, ,747 Christian Fidelity Life Ins Co TX ,883, ,735, Excellus Hlth Plan Inc NY ,429, ,276, ,381 Educators Mut Ins Assoc UT ,023, ,715, Medical Mut Of OH OH ,012, ,062, ,061 Central s H & L Co Of Omaha NE ,865, ,057, CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 77

84 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums of Dom Cocode Group Code U.S. and U.S. Territories GROUP POLICIES ISSUED THROUGH 2011 Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Hartford Life Ins Co CT ,376, ,211, ,169 Hartford Life & Accident Ins Co CT ,348, ,440, Highmark West Virginia Inc. WV ,271, ,565, United Teacher Assoc Ins Co TX ,607, ,184, First United Amer Life Ins Co NY ,346, ,071, Physicians Benefits Trust Life Ins IL ,142, , Physicians Mut Ins Co NE , , Regence BCBS of UT UT , , Wisconsin Physicians Serv Ins Corp WI , , BCBS of VT VT , , Oxford Life Ins Co AZ , , American Progressive L&H Ins Of NY NY , , WMI Mut Ins Co UT , , Puritan Life Ins Co of Amer TX , , BCBS Of FL FL , , Guarantee Trust Life Ins Co IL , , Providence Hlth Plan OR , , Health Alliance Medical Plans IL , , Globe Life & Accident Ins Co NE , , American Family Life Assur Co of Col NE , , Union Labor Life Ins Co MD , , American Continental Ins Co TN , , Combined Ins Co Of Amer IL , , Gerber Life Ins Co NY , , st Century Premier Ins Co PA , , Allianz Life Ins Co Of N Amer MN , , Aetna Life Ins Co CT , , Continental Gen Ins Co OH , , Coventry Hlth & Life Ins Co MO , , North Amer Ins Co WI , , Medica Hlth Plans MN , , Sterling Life Ins Co IL , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 78

85 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums of Dom Cocode Group Code U.S. and U.S. Territories GROUP POLICIES ISSUED THROUGH 2011 Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Allianz Life Ins Co Of NY NY , , BCBSM Inc MN , , CMFG Life Ins Co IA , , BCBS Of MS Mut Ins Co MS , , Anthem Hlth Plans of ME Inc ME , , National Benefit Life Ins Co NY , , Reliastar Life Ins Co MN , , Genworth Life & Ann Ins Co VA , , London Life Reins Co PA , , Washington Natl Ins Co IN , , American Gen Life Ins Co TX , Stonebridge Life Ins Co VT , Sentry Life Ins Co WI N/A 0 Health Net Life Ins Co CA , , TOTAL 4,032,475,705 3,159,284, ,596,742 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 79

86 80

87 GROUP POLICIES ISSUED THROUGH 2011 BY COMPANY NAME 81

88 82

89 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories GROUP POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered 21st Century Premier Ins Co PA , , Aetna Life Ins Co CT , , Allianz Life Ins Co Of N Amer MN , , Allianz Life Ins Co Of NY NY , , Amalgamated Life & Hlth Ins Co IL ,905, ,649, ,747 American Continental Ins Co TN , , American Family Life Assur Co of Col NE , , American Gen Life Ins Co TX , American Natl Life Ins Co Of TX TX ,143, ,687, ,219 American Pioneer Life Ins Co FL ,113, ,251, ,460 American Progressive L&H Ins Of NY NY , , American Republic Ins Co IA ,926, ,732, ,406 Anthem Hlth Plans Inc CT ,602, ,925, ,533 Anthem Hlth Plans of ME Inc ME , , Anthem Hlth Plans of NH NH ,675, ,622, Bankers Life & Cas Co IL ,534, ,695, ,379 BCBS Of FL FL , , BCBS Of KS Inc KS ,606, ,080, ,513 BCBS of MA MA ,843, ,765, ,266 BCBS Of MS Mut Ins Co MS , , BCBS Of NE NE ,119, ,239, ,124 BCBS of RI RI ,077, ,649, ,051 BCBS of TN Inc TN ,847, ,032, ,323 BCBS of VT VT , , BCBSM Inc MN , , Central s H & L Co Of Omaha NE ,865, ,057, Christian Fidelity Life Ins Co TX ,883, ,735, CMFG Life Ins Co IA , , Combined Ins Co Of Amer IL , , Community Ins Co OH ,620, ,453, ,477 Continental Gen Ins Co OH , , Continental Life Ins Co Brentwood TN ,936, ,835, ,953 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 83

90 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories GROUP POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Coventry Hlth & Life Ins Co MO , , Educators Mut Ins Assoc UT ,023, ,715, Excellus Hlth Plan Inc NY ,429, ,276, ,381 First United Amer Life Ins Co NY ,346, ,071, Genworth Life & Ann Ins Co VA , , Gerber Life Ins Co NY , , Globe Life & Accident Ins Co NE , , Guarantee Trust Life Ins Co IL , , Hartford Life & Accident Ins Co CT ,348, ,440, Hartford Life Ins Co CT ,376, ,211, ,169 Health Alliance Medical Plans IL , , Health Care Serv Corp A Mut Legal Re IL ,019, ,506, ,251 Health Net Life Ins Co CA , , Highmark Inc PA ,318, ,302, ,975 Highmark West Virginia Inc. WV ,271, ,565, Independence Hospital Ind Plan Inc PA ,837, ,456, ,346 London Life Reins Co PA , , Medica Hlth Plans MN , , Medical Mut Of OH OH ,012, ,062, ,061 Medico Ins Co NE ,021, ,925, ,756 Mutual Of Omaha Ins Co NE ,445, ,460, ,325 National Benefit Life Ins Co NY , , North Amer Ins Co WI , , Oxford Life Ins Co AZ , , Physicians Benefits Trust Life Ins IL ,142, , Physicians Mut Ins Co NE , , Premera Blue Cross WA ,111, ,546, ,314 Principal Life Ins Co IA ,299, ,692, ,902 Providence Hlth Plan OR , , Puritan Life Ins Co of Amer TX , , Regence BCBS of UT UT , , Reliastar Life Ins Co MN , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 84

91 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by of Dom Cocode U.S. and U.S. Territories GROUP POLICIES ISSUED THROUGH 2011 Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Sentry Life Ins Co WI N/A 0 Sterling Life Ins Co IL , , Stonebridge Life Ins Co VT , Transamerica Financial Life Ins Co NY ,640, ,355, ,944 Transamerica Life Ins Co IA ,342, ,023, ,518 Transamerica Premier Life Ins Co IA ,384, ,696, ,682 Union Labor Life Ins Co MD , , United Amer Ins Co NE ,876, ,969, ,924 United Hlthcare Ins Co Of NY NY ,407, ,809, ,400 United Teacher Assoc Ins Co TX ,607, ,184, UnitedHealthcare Ins Co CT ,871,361, ,251,245, ,153,902 Washington Natl Ins Co IN , , Wisconsin Physicians Serv Ins Corp WI , , WMI Mut Ins Co UT , , TOTAL 4,032,475,705 3,159,284, ,596,742 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 85

92 86

93 GROUP POLICIES ISSUED IN 2012, 2013 AND 2014 BY DIRECT PREMIUMS EARNED 87

94 88

95 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums of Dom Cocode U.S. and U.S. Territories GROUP POLICICES ISSUED IN Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered UnitedHealthcare Ins Co CT ,763,270, ,410,050, ,174 United Hlthcare Ins Co Of NY NY ,336, ,304, ,805 BCBS of MA MA ,742, ,288, ,637 BCBS Of NE NE ,210, ,564, ,821 Transamerica Life Ins Co IA ,389, ,446, ,451 BCBSM Inc MN ,771, ,489, ,666 Tufts Ins Co Inc MA ,281, ,544, ,179 American Continental Ins Co TN ,047, ,314, ,230 Medico Ins Co NE ,369, ,070, ,383 Highmark Inc PA ,973, ,029, ,614 Premera Blue Cross WA ,817, ,688, ,442 Excellus Hlth Plan Inc NY ,547, ,089, ,994 Independence Hospital Ind Plan Inc PA ,014, ,279, ,112 BCBS Of KS Inc KS ,248, ,876, ,582 United Amer Ins Co NE ,113, ,782, ,507 Transamerica Financial Life Ins Co NY ,176, ,402, ,005 Anthem Hlth Plans of NH NH ,172, , Members Hlth Ins Co AZ ,453, ,014, Educators Mut Ins Assoc UT ,193, , First United Amer Life Ins Co NY ,079, , Cigna Hlth & Life Ins Co CT ,069, , ,365 American Pioneer Life Ins Co FL , , Hartford Life Ins Co CT , , Health Alliance Medical Plans IL , , Highmark West Virginia Inc. WV , , Transamerica Premier Life Ins Co IA , , Hartford Life & Accident Ins Co CT , , Heartland Natl Life Ins Co IN , , Aetna Life Ins Co CT , , BCBS of VT VT , , Sterling Life Ins Co IL , , BCBS of RI RI , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 89

96 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums of Dom Cocode U.S. and U.S. Territories GROUP POLICICES ISSUED IN Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Regence BCBS of UT UT , , Physicians Mut Ins Co NE , , Wisconsin Physicians Serv Ins Corp WI , , Physicians Benefits Trust Life Ins IL , , Connecticut Gen Life Ins Co CT , , Amalgamated Life & Hlth Ins Co IL , , WMI Mut Ins Co UT , , Health Net Life Ins Co CA , , Medical Mut Of OH OH , , Pacificsource Hlth Plans OR , , Coventry Hlth & Life Ins Co MO , , TOTAL 2,181,500,569 1,730,096, ,184,185 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 90

97 GROUP POLICIES ISSUED IN 2012, 2013 AND 2014 BY COMPANY NAME 91

98 92

99 June 25, 2015 In Order by NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS U.S. and U.S. Territories of Dom Cocode GROUP POLICICES ISSUED IN Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Aetna Life Ins Co CT , , Amalgamated Life & Hlth Ins Co IL , , American Continental Ins Co TN ,047, ,314, ,230 American Pioneer Life Ins Co FL , , Anthem Hlth Plans of NH NH ,172, , BCBS Of KS Inc KS ,248, ,876, ,582 BCBS of MA MA ,742, ,288, ,637 BCBS Of NE NE ,210, ,564, ,821 BCBS of RI RI , , BCBS of VT VT , , BCBSM Inc MN ,771, ,489, ,666 Cigna Hlth & Life Ins Co CT ,069, , ,365 Connecticut Gen Life Ins Co CT , , Coventry Hlth & Life Ins Co MO , , Educators Mut Ins Assoc UT ,193, , Excellus Hlth Plan Inc NY ,547, ,089, ,994 First United Amer Life Ins Co NY ,079, , Hartford Life & Accident Ins Co CT , , Hartford Life Ins Co CT , , Health Alliance Medical Plans IL , , Health Net Life Ins Co CA , , Heartland Natl Life Ins Co IN , , Highmark Inc PA ,973, ,029, ,614 Highmark West Virginia Inc. WV , , Independence Hospital Ind Plan Inc PA ,014, ,279, ,112 Medical Mut Of OH OH , , Medico Ins Co NE ,369, ,070, ,383 Members Hlth Ins Co AZ ,453, ,014, Pacificsource Hlth Plans OR , , Physicians Benefits Trust Life Ins IL , , Physicians Mut Ins Co NE , , Premera Blue Cross WA ,817, ,688, ,442 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 93

100 June 25, 2015 In Order by NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS U.S. and U.S. Territories of Dom Cocode GROUP POLICICES ISSUED IN Group Code Direct Premiums 2012, 2013, 2014 Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Regence BCBS of UT UT , , Sterling Life Ins Co IL , , Transamerica Financial Life Ins Co NY ,176, ,402, ,005 Transamerica Life Ins Co IA ,389, ,446, ,451 Transamerica Premier Life Ins Co IA , , Tufts Ins Co Inc MA ,281, ,544, ,179 United Amer Ins Co NE ,113, ,782, ,507 United Hlthcare Ins Co Of NY NY ,336, ,304, ,805 UnitedHealthcare Ins Co CT ,763,270, ,410,050, ,174 Wisconsin Physicians Serv Ins Corp WI , , WMI Mut Ins Co UT , , TOTAL 2,181,500,569 1,730,096, ,184,185 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 94

101 TOTAL GROUP POLICIES BY DIRECT PREMIUMS EARNED 95

102 96

103 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL GROUP POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered UnitedHealthcare Ins Co CT ,634,632, ,661,296, ,134,076 United Hlthcare Ins Co Of NY NY ,743, ,114, ,205 Transamerica Life Ins Co IA ,731, ,469, ,969 American Republic Ins Co IA ,926, ,732, ,406 BCBS of MA MA ,585, ,054, ,903 Community Ins Co OH ,620, ,453, ,477 Principal Life Ins Co IA ,299, ,692, ,902 Mutual Of Omaha Ins Co NE ,445, ,460, ,325 Highmark Inc PA ,291, ,331, ,589 Bankers Life & Cas Co IL ,534, ,695, ,379 BCBS Of NE NE ,329, ,803, ,945 Premera Blue Cross WA ,929, ,234, ,756 BCBS of TN Inc TN ,847, ,032, ,323 Medico Ins Co NE ,390, ,995, ,139 Health Care Serv Corp A Mut Legal Re IL ,019, ,506, ,251 BCBS Of KS Inc KS ,854, ,956, ,095 Independence Hospital Ind Plan Inc PA ,852, ,735, ,458 Transamerica Premier Life Ins Co IA ,983, ,126, ,052 BCBSM Inc MN ,802, ,502, ,682 Anthem Hlth Plans Inc CT ,602, ,925, ,533 American Pioneer Life Ins Co FL ,022, ,868, ,930 BCBS of RI RI ,302, ,823, ,156 Tufts Ins Co Inc MA ,281, ,544, ,179 American Continental Ins Co TN ,384, ,531, ,410 American Natl Life Ins Co Of TX TX ,143, ,687, ,219 Transamerica Financial Life Ins Co NY ,817, ,757, ,949 Excellus Hlth Plan Inc NY ,977, ,365, ,375 United Amer Ins Co NE ,989, ,751, ,431 Anthem Hlth Plans of NH NH ,848, ,039, Continental Life Ins Co Brentwood TN ,936, ,835, ,953 Educators Mut Ins Assoc UT ,216, ,396, ,382 Amalgamated Life & Hlth Ins Co IL ,956, ,676, ,823 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 97

104 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL GROUP POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Christian Fidelity Life Ins Co TX ,883, ,735, Hartford Life Ins Co CT ,280, ,843, ,720 Medical Mut Of OH OH ,042, ,075, ,072 Highmark West Virginia Inc. WV ,906, ,984, ,067 Central s H & L Co Of Omaha NE ,865, ,057, Hartford Life & Accident Ins Co CT ,682, ,662, ,103 First United Amer Life Ins Co NY ,426, ,706, ,107 United Teacher Assoc Ins Co TX ,607, ,184, Members Hlth Ins Co AZ ,453, ,014, Physicians Benefits Trust Life Ins IL ,279, , Health Alliance Medical Plans IL ,162, , Physicians Mut Ins Co NE ,106, , Cigna Hlth & Life Ins Co CT ,069, , ,365 Regence BCBS of UT UT , , BCBS of VT VT , , Wisconsin Physicians Serv Ins Corp WI , , Oxford Life Ins Co AZ , , WMI Mut Ins Co UT , , American Progressive L&H Ins Of NY NY , , Puritan Life Ins Co of Amer TX , , BCBS Of FL FL , , Guarantee Trust Life Ins Co IL , , Providence Hlth Plan OR , , Globe Life & Accident Ins Co NE , , Aetna Life Ins Co CT , , American Family Life Assur Co of Col NE , , Union Labor Life Ins Co MD , , Heartland Natl Life Ins Co IN , , Sterling Life Ins Co IL , , Combined Ins Co Of Amer IL , , Gerber Life Ins Co NY , , st Century Premier Ins Co PA , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 98

105 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL GROUP POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Allianz Life Ins Co Of N Amer MN , , Continental Gen Ins Co OH , , Coventry Hlth & Life Ins Co MO , , North Amer Ins Co WI , , Medica Hlth Plans MN , , Connecticut Gen Life Ins Co CT , , Allianz Life Ins Co Of NY NY , , CMFG Life Ins Co IA , , BCBS Of MS Mut Ins Co MS , , Pacificsource Hlth Plans OR , , Anthem Hlth Plans of ME Inc ME , , National Benefit Life Ins Co NY , , Reliastar Life Ins Co MN , , Genworth Life & Ann Ins Co VA , , London Life Reins Co PA , , Washington Natl Ins Co IN , , American Gen Life Ins Co TX , Stonebridge Life Ins Co VT , Sentry Life Ins Co WI N/A 0 Health Net Life Ins Co CA , , TOTAL 6,213,976,274 4,889,380, ,780,927 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 99

106 100

107 TOTAL GROUP POLICIES BY COMPANY NAME 101

108 102

109 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL GROUP POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered 21st Century Premier Ins Co PA , , Aetna Life Ins Co CT , , Allianz Life Ins Co Of N Amer MN , , Allianz Life Ins Co Of NY NY , , Amalgamated Life & Hlth Ins Co IL ,956, ,676, ,823 American Continental Ins Co TN ,384, ,531, ,410 American Family Life Assur Co of Col NE , , American Gen Life Ins Co TX , American Natl Life Ins Co Of TX TX ,143, ,687, ,219 American Pioneer Life Ins Co FL ,022, ,868, ,930 American Progressive L&H Ins Of NY NY , , American Republic Ins Co IA ,926, ,732, ,406 Anthem Hlth Plans Inc CT ,602, ,925, ,533 Anthem Hlth Plans of ME Inc ME , , Anthem Hlth Plans of NH NH ,848, ,039, Bankers Life & Cas Co IL ,534, ,695, ,379 BCBS Of FL FL , , BCBS Of KS Inc KS ,854, ,956, ,095 BCBS of MA MA ,585, ,054, ,903 BCBS Of MS Mut Ins Co MS , , BCBS Of NE NE ,329, ,803, ,945 BCBS of RI RI ,302, ,823, ,156 BCBS of TN Inc TN ,847, ,032, ,323 BCBS of VT VT , , BCBSM Inc MN ,802, ,502, ,682 Central s H & L Co Of Omaha NE ,865, ,057, Christian Fidelity Life Ins Co TX ,883, ,735, Cigna Hlth & Life Ins Co CT ,069, , ,365 CMFG Life Ins Co IA , , Combined Ins Co Of Amer IL , , Community Ins Co OH ,620, ,453, ,477 Connecticut Gen Life Ins Co CT , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 103

110 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL GROUP POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Continental Gen Ins Co OH , , Continental Life Ins Co Brentwood TN ,936, ,835, ,953 Coventry Hlth & Life Ins Co MO , , Educators Mut Ins Assoc UT ,216, ,396, ,382 Excellus Hlth Plan Inc NY ,977, ,365, ,375 First United Amer Life Ins Co NY ,426, ,706, ,107 Genworth Life & Ann Ins Co VA , , Gerber Life Ins Co NY , , Globe Life & Accident Ins Co NE , , Guarantee Trust Life Ins Co IL , , Hartford Life & Accident Ins Co CT ,682, ,662, ,103 Hartford Life Ins Co CT ,280, ,843, ,720 Health Alliance Medical Plans IL ,162, , Health Care Serv Corp A Mut Legal Re IL ,019, ,506, ,251 Health Net Life Ins Co CA , , Heartland Natl Life Ins Co IN , , Highmark Inc PA ,291, ,331, ,589 Highmark West Virginia Inc. WV ,906, ,984, ,067 Independence Hospital Ind Plan Inc PA ,852, ,735, ,458 London Life Reins Co PA , , Medica Hlth Plans MN , , Medical Mut Of OH OH ,042, ,075, ,072 Medico Ins Co NE ,390, ,995, ,139 Members Hlth Ins Co AZ ,453, ,014, Mutual Of Omaha Ins Co NE ,445, ,460, ,325 National Benefit Life Ins Co NY , , North Amer Ins Co WI , , Oxford Life Ins Co AZ , , Pacificsource Hlth Plans OR , , Physicians Benefits Trust Life Ins IL ,279, , Physicians Mut Ins Co NE ,106, , Premera Blue Cross WA ,929, ,234, ,756 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 104

111 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL GROUP POLICIES of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Principal Life Ins Co IA ,299, ,692, ,902 Providence Hlth Plan OR , , Puritan Life Ins Co of Amer TX , , Regence BCBS of UT UT , , Reliastar Life Ins Co MN , , Sentry Life Ins Co WI N/A 0 Sterling Life Ins Co IL , , Stonebridge Life Ins Co VT , Transamerica Financial Life Ins Co NY ,817, ,757, ,949 Transamerica Life Ins Co IA ,731, ,469, ,969 Transamerica Premier Life Ins Co IA ,983, ,126, ,052 Tufts Ins Co Inc MA ,281, ,544, ,179 Union Labor Life Ins Co MD , , United Amer Ins Co NE ,989, ,751, ,431 United Hlthcare Ins Co Of NY NY ,743, ,114, ,205 United Teacher Assoc Ins Co TX ,607, ,184, UnitedHealthcare Ins Co CT ,634,632, ,661,296, ,134,076 Washington Natl Ins Co IN , , Wisconsin Physicians Serv Ins Corp WI , , WMI Mut Ins Co UT , , TOTAL 6,213,976,274 4,889,380, ,780,927 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 105

112 106

113 TOTAL POLICIES (INDIVIDUAL AND GROUP) BY DIRECT PREMIUMS EARNED 107

114 108

115 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered UnitedHealthcare Ins Co CT ,696,135, ,056,392, ,468,525 Health Care Serv Corp A Mut Legal Re IL ,364,494, ,018,746, ,110 United Of Omaha Life Ins Co NE ,127,312, ,163, ,047 United Hlthcare Ins Co Of NY NY ,743, ,114, ,205 Mutual Of Omaha Ins Co NE ,619, ,978, ,431 BCBS of MA MA ,405, ,373, ,159 United World Life Ins Co NE ,761, ,355, ,762 Bankers Life & Cas Co IL ,194, ,020, ,008 BCBS Of FL FL ,079, ,371, ,086 Wellmark Inc IA ,644, ,435, ,317 BCBS of NC Inc NC ,577, ,709, ,601 American Continental Ins Co TN ,545, ,738, ,091 Colonial Penn Life Ins Co PA ,833, ,944, ,335 Continental Life Ins Co Brentwood TN ,888, ,131, ,371 BCBS of MI Mut Ins Co MI ,023, ,174, ,771 Highmark Inc PA ,141, ,519, ,241 Anthem Hlth Plans of VA Inc VA ,197, ,174, ,916 Farm Mut Auto Ins Co IL ,011, ,918, ,558 Horizon Ins Co NJ ,315, ,089, ,694 BCBS Of KS Inc KS ,872, ,748, ,767 BCBSM Inc MN ,395, ,559, ,594 United Amer Ins Co NE ,796, ,947, ,845 USAble Mut Ins Co AR ,884, ,106, ,137 BCBS of AL AL ,703, ,833, ,607 Humana Ins Co WI ,105, ,021, ,373 USAA Life Ins Co TX ,662, ,775, ,848 Physicians Mut Ins Co NE ,554, ,969, ,576 Anthem Hlth Plans Of KY Inc KY ,778, ,446, ,589 BCBS Of NE NE ,697, ,679, ,674 Carefirst of MD Inc MD ,267, ,442, ,111 BCBS of GA Inc GA ,709, ,527, ,380 Anthem Ins Co Inc IN ,224, ,559, ,258 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 109

116 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered BCBS of TN Inc TN ,286, ,607, ,545 Omaha Ins Co NE ,994, ,165, ,687 American Republic Ins Co IA ,077, ,329, ,541 BCBS Of SC Inc SC ,410, ,846, ,787 Gerber Life Ins Co NY ,742, ,780, ,083 Community Ins Co OH ,221, ,340, ,054 American Retirement Life Ins Co OH ,907, ,751, ,913 Wisconsin Physicians Serv Ins Corp WI ,365, ,750, ,594 Transamerica Life Ins Co IA ,203, ,497, ,071 Louisiana Hlth Serv & Ind Co LA ,383, ,749, ,019 Empire Healthchoice Assur Inc NY ,350, ,650, ,407 Sterling Life Ins Co IL ,067, ,194, ,047 Healthy Alliance Life Ins Co MO ,931, ,737, ,866 Equitable Life & Cas Ins Co UT ,444, ,139, ,904 Premera Blue Cross WA ,733, ,857, ,101 New Era Life Ins Co TX ,128, ,894, ,154 Loyal Amer Life Ins Co OH ,849, ,868, ,730 Philadelphia Amer Life Ins Co TX ,223, ,607, ,067 Aetna Life Ins Co CT ,813, ,711, ,077 Bankers Fidelity Life Ins Co GA ,964, ,559, ,159 Anthem Hlth Plans Inc CT ,616, ,734, ,358 Physicians Life Ins Co NE ,471, ,674, ,461 Noridian Mut Ins Co ND ,286, ,978, ,407 BCBS of WI WI ,195, ,065, ,232 Rocky Mountain Hospital & Medical CO ,999, ,210, ,618 Washington Natl Ins Co IN ,002, ,682, ,033 Medico Ins Co NE ,396, ,977, ,812 BCBS of AZ Inc AZ ,127, ,942, ,229 Standard Life & Accident Ins Co TX ,673, ,044, ,054 Anthem Hlth Plans of NH NH ,048, ,807, ,710 Thrivent Financial For Lutherans WI ,104, ,922, ,327 Forethought Life Ins Co IN ,759, ,221, ,588 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 110

117 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Order of United Commercial Travelers OH ,788, ,901, ,197 Principal Life Ins Co IA ,995, ,373, ,259 Family Life Ins Co TX ,042, ,724, ,066 Stonebridge Life Ins Co VT ,718, ,919, ,132 Central s Ind Co Of Omaha NE ,584, ,788, ,825 HPHC Ins Co Inc MA ,635, ,242, ,941 BCBS of KC MO ,353, ,638, ,789 Genworth Life & Ann Ins Co VA ,318, ,897, ,715 American Republic Corp Ins Co NE ,101, ,933, ,835 American Family Life Assur Co of Col NE ,050, ,184, ,047 Independence Hospital Ind Plan Inc PA ,196, ,976, ,718 Combined Ins Co Of Amer IL ,478, ,088, ,989 Country Life Ins Co IL ,231, ,166, ,806 Wellmark Of SD Inc SD ,763, ,301, ,847 Woodmen World Assur Life Assn CO ,678, ,424, ,603 BCBS of RI RI ,333, ,902, ,052 Continental Gen Ins Co OH ,308, ,582, ,854 American Pioneer Life Ins Co FL ,845, ,303, ,367 Regence BlueShield WA ,149, ,827, ,948 New Era Life Ins Co Of Midwest TX ,433, ,870, ,908 United Teacher Assoc Ins Co TX ,703, ,279, ,880 Constitution Life Ins Co TX ,699, ,041, ,352 Health Net Life Ins Co CA ,071, ,749, ,572 Sentinel Security Life Ins Co UT ,568, ,163, ,985 Anthem Hlth Plans of ME Inc ME ,173, ,899, ,154 Christian Fidelity Life Ins Co TX ,536, ,951, ,424 Old Surety Life Ins Co OK ,541, ,411, ,869 Reserve Natl Ins Co OK ,363, ,757, ,815 Everence Assn Inc IN ,236, ,471, ,205 Royal Neighbors Of Amer IL ,447, ,366, ,607 Excellus Hlth Plan Inc NY ,047, ,398, ,114 Hospital Serv Assn of NE PA PA ,857, ,537, ,718 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 111

118 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered BCBS Of MS Mut Ins Co MS ,138, ,756, ,550 Dean Hlth Plan Inc WI ,330, ,034, ,967 American Family Mut Ins Co WI ,194, ,335, ,906 Regence BCBS of UT UT ,304, ,637, ,381 Government Personnel Mut Life Ins Co TX ,281, ,488, ,957 First United Amer Life Ins Co NY ,796, ,795, ,439 Triple S Salud Inc PR ,452, ,435, ,155 Golden Rule Ins Co IN ,034, ,801, ,008 Capital Advantage Ins Co PA ,424, ,186, ,998 Medical Mut Of OH OH ,369, ,535, ,797 Oxford Life Ins Co AZ ,194, ,421, ,561 Blue Care Network Of MI MI ,962, ,174, ,748 Tufts Ins Co Inc MA ,829, ,832, ,672 Capital Blue Cross PA ,892, ,346, ,998 Heartland Natl Life Ins Co IN ,101, ,243, ,515 Regence BCBS of OR OR ,856, ,793, ,549 Transamerica Premier Life Ins Co IA ,830, ,345, ,746 North Amer Ins Co WI ,879, ,809, ,139 Pekin Life Ins Co IL ,820, ,368, ,172 Unicare Life & Hlth Ins Co IN ,915, ,706, ,845 Group Hospitalization & Med Srvcs DC ,992, ,482, ,128 Sterling Investors Life Ins Co GA ,685, ,451, ,734 Lincoln Heritage Life Ins Co IL ,400, ,569, ,675 Blue Cross of ID Hlth Serv Inc ID ,235, ,134, ,107 Pyramid Life Ins Co KS ,053, ,791, ,726 Highmark West Virginia Inc. WV ,438, ,832, ,842 American Progressive L&H Ins Of NY NY ,254, ,467, ,130 Manhattan Life Ins Co NY ,221, ,080, ,546 BCBS of WY WY ,820, ,605, ,119 Sierra Hlth & Life Ins Co Inc NV ,147, ,467, ,348 Avera Hlth Plans Inc SD ,088, ,676, ,875 Central s H & L Co Of Omaha NE ,904, ,294, ,741 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 112

119 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Priority Hlth MI ,662, ,055, ,014 Guarantee Trust Life Ins Co IL ,372, ,494, ,789 Transamerica Financial Life Ins Co NY ,116, ,547, ,246 Provident Amer Life & Hlth Ins Co OH ,726, ,400, ,545 Marquette Natl Life Ins Co TX ,634, ,598, ,209 Pacificare Life & Hlth Ins Co IN ,359, ,277, ,892 American Natl Life Ins Co Of TX TX ,143, ,687, ,219 Regence Blueshield Of ID Inc ID ,954, ,582, ,600 Mut Ins Co GA ,794, ,167, ,617 Celtic Ins Co IL ,907, ,861, ,794 Highmark BCBSD Inc DE ,600, ,711, ,652 BCBS of VT VT ,508, ,826, ,990 Puritan Life Ins Co of Amer TX ,159, ,532, ,874 Nationwide Life Ins Co OH ,413, ,388, ,755 Globe Life & Accident Ins Co NE ,387, ,893, ,506 Universal Fidelity Life Ins Co OK ,122, ,338, ,404 Aetna Hlth & Life Ins Co CT ,020, ,973, ,622 CDPHP Universal Benefits Inc NY ,732, ,743, ,883 Humana Hlth Ins Co Of FL Inc FL ,600, ,767, ,751 Humana Ins Co of NY NY ,381, ,872, ,627 Humana Ins Co Of KY KY ,054, ,230, ,830 United Natl Life Ins Co Of Amer IL ,987, ,972, ,460 Shenandoah Life Ins Co VA ,884, ,114, ,858 Health Now NY Inc NY ,843, ,770, ,564 Central Reserve Life Ins Co OH ,735, ,017, ,963 Pennsylvania Life Ins Co PA ,431, ,806, ,858 First Comm Hlth Plan Inc AL ,089, ,987, ,143 Health Alliance Medical Plans IL ,726, ,061, ,196 Great Amer Life Ins Co OH ,455, ,660, ,163 Group Hlth Inc NY ,375, ,041, ,011 Bankers Conseco Life Ins Co NY ,025, ,351, ,973 Coventry Hlth & Life Ins Co MO ,695, ,890, ,993 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 113

120 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Health Net Hlth Plan of OR Inc OR ,492, ,485, ,434 The Vt Hlth Plan LLC VT ,304, ,449, ,742 Security Hlth Plan of WI Inc WI ,258, ,330, ,725 Unified Life Ins Co TX ,052, ,587, ,711 Asuris NW Hlth WA ,946, ,258, ,868 Fallon Hlth & Life Assur Co MA ,362, ,074, ,822 Educators Mut Ins Assoc UT ,216, ,396, ,382 Hartford Life Ins Co CT ,208, ,516, ,934 Sanford Hlth Plan SD ,138, ,447, ,922 Geisinger Ind Ins Co PA ,127, ,275, ,963 Inter Cty Hospitalization Plan Inc PA ,033, ,657, ,420 Health Tradition Hlth Plan WI ,971, ,256, ,721 Amalgamated Life & Hlth Ins Co IL ,956, ,676, ,823 LifeWise Hlth Plan of OR Inc OR ,938, ,768, ,012 Ryder Hlth Plan Inc PR ,751, ,210, ,827 Avalon Ins Co PA ,558, ,611, Genworth Life Ins Co DE ,198, ,795, Paramount Ins Co OH ,160, ,848, ,178 Physicians Plus Ins Corp WI ,146, ,545, ,295 Humana Hlth Benefit Plan of LA Inc LA ,034, ,884, ,359 Liberty Natl Life Ins Co NE ,984, ,801, ,120 Unity Hlth Plans Ins Corp WI ,894, ,905, ,512 New York Life Ins Co NY ,869, ,075, KPS Hlth Plans WA ,868, ,035, ,070 Columbian Mut Life Ins Co NY ,737, ,066, ,273 Hartford Life & Accident Ins Co CT ,685, ,672, ,104 Group Hlth Coop of S Central WI WI ,521, ,113, ,227 Alliance Hlth & Life Ins Co MI ,380, ,840, Conseco Life Ins Co IN ,173, ,623, Medico Corp Life Ins Co NE ,032, ,478, ,599 American Gen Life Ins Co TX ,917, ,381, Connecticut Gen Life Ins Co CT ,880, ,327, CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 114

121 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered United Hlthcare of AL Inc AL ,809, ,368, Jefferson Natl Life Ins Co TX ,761, ,321, Idealife Ins Co CT ,634, , Members Hlth Ins Co AZ ,480, ,033, Central United Life Ins Co AR ,354, , Physicians Benefits Trust Life Ins IL ,279, , Humanadental Ins Co WI ,267, , ,517 New W Hlth Serv MT ,157, , Cigna Hlth & Life Ins Co CT ,079, , ,370 Kanawha Ins Co SC ,071, , Providence Hlth Plan OR ,054, ,123, MercyCare HMO Inc WI ,036, , Union Fidelity Life Ins Co KS , , Auto Owners Life Ins Co MI , , Communitycare Life & Hlth Ins Co OK , , BridgeSpan Hlth Co UT , , Shelter Life Ins Co MO , , UTMB Hlth Plans Inc TX , , THP Ins Co WV , , ,412 Consumers Life Ins Co OH , , Companion Life Ins Co SC , , Ability Ins Co NE , , American Family Life Assur Co of NY NY , , Union Labor Life Ins Co MD , ,188, WMI Mut Ins Co UT , , SPJST TX , , Southwest Serv Life Ins Co TX , , Medica Hlth Plans MN , , Horizon Hlthcare Serv Inc NJ , ,500, ,161 Qualchoice Life & Hlth Ins Co Inc AR , , American Income Life Ins Co IN , , Inter Cnty Hlth Plan Inc PA , , ,412 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 115

122 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Compcare Hlth Serv Ins Corp WI , , Jackson Natl Life Ins Co MI , , Sanford Hlth Plan of MN MN , , HMO dba Blue Plus MN , , John Alden Life Ins Co WI , , American Family Ins Co OH , , Time Ins Co WI , , WPS Hlth Plan Inc WI , , Aultcare Ins Co OH , , Allianz Life Ins Co Of N Amer MN , , Jefferson Life Ins Co TX , , st Century Premier Ins Co PA , , Gundersen Hlth Plan Inc WI , , Trustmark Ins Co IL , , Hawaii Medical Serv Assn HI , , UCare MN MN , , EPIC Life Ins Co WI , , Upmc Hlth Benefits Inc PA , , Health First Ins Inc FL , , Prudential Ins Co Of Amer NJ , , United Farm Family Life Ins Co IN , , American Natl Ins Co TX , , Summa Ins Co Inc OH , , USAble Life AR , , IA Amer Life Ins Co TX , , National Found Life Ins Co TX , , United Security Assur Co Of PA PA , , Pacificsource Hlth Plans OR , , Sagicor Life Ins Co TX , , Cincinnati Equitable Life Ins Co OH , , Group Hlth Coop of Eau Claire WI , , Bankers Fidelity Assur Co GA , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 116

123 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Standard Life & Cas Ins Co UT , , Kansas City Life Ins Co MO , , Medisun Inc AZ , , Allianz Life Ins Co Of NY NY , , CSI Life Ins Co NE , , Medical Hlth Insuring Corp of OH OH , , Western Catholic Union IL , , Central Security Life Ins Co TX , , Mid West Natl Life Ins Co Of TN TX , , United Hlthcare of AZ Inc AZ , , CMFG Life Ins Co IA , , Individual Assur Co Life Hlth & Acc OK , , US Hlth & Life Ins Co Inc MI , , Assurity Life Ins Co NE , , Voya Retirement Ins & Ann Co CT , , CSA Fraternal Life IL , , National Hlth Ins Co TX , , Colonial Life & Accident Ins Co SC , , Protective Life Ins Co TN , , Federated Mut Ins Co MN , , LifeSecure Ins Co MI , , Provident Amer Ins Co TX , , National Cas Co WI , , Old Amer Ins Co MO , Federal Life Ins Co IL , , Cincinnati Life Ins Co OH , , National Benefit Life Ins Co NY , , Lincoln Republic Ins Co ND , , Reliastar Life Ins Co MN , , United Heritage Life Ins Co ID , , Midwestern United Life Ins Co IN , , Security Life Of Denver Ins Co CO , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 117

124 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by Direct Premiums U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Loyal Christian Benefit Assn PA , , Motorists Commercial Mut Ins Co OH , Metropolitan Life Ins Co NY , , London Life Reins Co PA , , Investors Heritage Life Ins Co KY , , BCS Ins Co OH , Investors Life Ins Co N Amer TX , Hartford Life & Ann Ins Co CT Careamerica Life Ins Co CA Humana Benefit Plan of IL Inc IL CICA Life Ins Co of Amer CO National Guardian Life Ins Co WI ,334 2, Reliable Life Ins Co MO Rocky Mountain Hlthcare Options Inc CO ,360 N/A 0 Sentry Life Ins Co WI N/A 0 Madison Natl Life Ins Co Inc WI American Fidelity Assur Co OK , , TOTAL 24,760,583,326 18,958,908, ,213,060 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 118

125 TOTAL POLICIES (INDIVIDUAL AND GROUP) BY COMPANY NAME 119

126 120

127 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered 21st Century Premier Ins Co PA , , Ability Ins Co NE , , Aetna Hlth & Life Ins Co CT ,020, ,973, ,622 Aetna Life Ins Co CT ,813, ,711, ,077 Alliance Hlth & Life Ins Co MI ,380, ,840, Allianz Life Ins Co Of N Amer MN , , Allianz Life Ins Co Of NY NY , , Amalgamated Life & Hlth Ins Co IL ,956, ,676, ,823 American Continental Ins Co TN ,545, ,738, ,091 American Family Ins Co OH , , American Family Life Assur Co of Col NE ,050, ,184, ,047 American Family Life Assur Co of NY NY , , American Family Mut Ins Co WI ,194, ,335, ,906 American Fidelity Assur Co OK , , American Gen Life Ins Co TX ,917, ,381, American Income Life Ins Co IN , , American Natl Ins Co TX , , American Natl Life Ins Co Of TX TX ,143, ,687, ,219 American Pioneer Life Ins Co FL ,845, ,303, ,367 American Progressive L&H Ins Of NY NY ,254, ,467, ,130 American Republic Corp Ins Co NE ,101, ,933, ,835 American Republic Ins Co IA ,077, ,329, ,541 American Retirement Life Ins Co OH ,907, ,751, ,913 Anthem Hlth Plans Inc CT ,616, ,734, ,358 Anthem Hlth Plans Of KY Inc KY ,778, ,446, ,589 Anthem Hlth Plans of ME Inc ME ,173, ,899, ,154 Anthem Hlth Plans of NH NH ,048, ,807, ,710 Anthem Hlth Plans of VA Inc VA ,197, ,174, ,916 Anthem Ins Co Inc IN ,224, ,559, ,258 Assurity Life Ins Co NE , , Asuris NW Hlth WA ,946, ,258, ,868 Aultcare Ins Co OH , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 121

128 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Auto Owners Life Ins Co MI , , Avalon Ins Co PA ,558, ,611, Avera Hlth Plans Inc SD ,088, ,676, ,875 Bankers Conseco Life Ins Co NY ,025, ,351, ,973 Bankers Fidelity Assur Co GA , , Bankers Fidelity Life Ins Co GA ,964, ,559, ,159 Bankers Life & Cas Co IL ,194, ,020, ,008 BCBS of AL AL ,703, ,833, ,607 BCBS of AZ Inc AZ ,127, ,942, ,229 BCBS Of FL FL ,079, ,371, ,086 BCBS of GA Inc GA ,709, ,527, ,380 BCBS of KC MO ,353, ,638, ,789 BCBS Of KS Inc KS ,872, ,748, ,767 BCBS of MA MA ,405, ,373, ,159 BCBS of MI Mut Ins Co MI ,023, ,174, ,771 BCBS Of MS Mut Ins Co MS ,138, ,756, ,550 BCBS of NC Inc NC ,577, ,709, ,601 BCBS Of NE NE ,697, ,679, ,674 BCBS of RI RI ,333, ,902, ,052 BCBS Of SC Inc SC ,410, ,846, ,787 BCBS of TN Inc TN ,286, ,607, ,545 BCBS of VT VT ,508, ,826, ,990 BCBS of WI WI ,195, ,065, ,232 BCBS of WY WY ,820, ,605, ,119 BCBSM Inc MN ,395, ,559, ,594 BCS Ins Co OH , Blue Care Network Of MI MI ,962, ,174, ,748 Blue Cross of ID Hlth Serv Inc ID ,235, ,134, ,107 BridgeSpan Hlth Co UT , , Capital Advantage Ins Co PA ,424, ,186, ,998 Capital Blue Cross PA ,892, ,346, ,998 Careamerica Life Ins Co CA CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 122

129 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Carefirst of MD Inc MD ,267, ,442, ,111 CDPHP Universal Benefits Inc NY ,732, ,743, ,883 Celtic Ins Co IL ,907, ,861, ,794 Central Reserve Life Ins Co OH ,735, ,017, ,963 Central Security Life Ins Co TX , , Central s H & L Co Of Omaha NE ,904, ,294, ,741 Central s Ind Co Of Omaha NE ,584, ,788, ,825 Central United Life Ins Co AR ,354, , Christian Fidelity Life Ins Co TX ,536, ,951, ,424 CICA Life Ins Co of Amer CO Cigna Hlth & Life Ins Co CT ,079, , ,370 Cincinnati Equitable Life Ins Co OH , , Cincinnati Life Ins Co OH , , CMFG Life Ins Co IA , , Colonial Life & Accident Ins Co SC , , Colonial Penn Life Ins Co PA ,833, ,944, ,335 Columbian Mut Life Ins Co NY ,737, ,066, ,273 Combined Ins Co Of Amer IL ,478, ,088, ,989 Community Ins Co OH ,221, ,340, ,054 Communitycare Life & Hlth Ins Co OK , , Companion Life Ins Co SC , , Compcare Hlth Serv Ins Corp WI , , Connecticut Gen Life Ins Co CT ,880, ,327, Conseco Life Ins Co IN ,173, ,623, Constitution Life Ins Co TX ,699, ,041, ,352 Consumers Life Ins Co OH , , Continental Gen Ins Co OH ,308, ,582, ,854 Continental Life Ins Co Brentwood TN ,888, ,131, ,371 Country Life Ins Co IL ,231, ,166, ,806 Coventry Hlth & Life Ins Co MO ,695, ,890, ,993 CSA Fraternal Life IL , , CSI Life Ins Co NE , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 123

130 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Dean Hlth Plan Inc WI ,330, ,034, ,967 Educators Mut Ins Assoc UT ,216, ,396, ,382 Empire Healthchoice Assur Inc NY ,350, ,650, ,407 EPIC Life Ins Co WI , , Equitable Life & Cas Ins Co UT ,444, ,139, ,904 Everence Assn Inc IN ,236, ,471, ,205 Excellus Hlth Plan Inc NY ,047, ,398, ,114 Fallon Hlth & Life Assur Co MA ,362, ,074, ,822 Family Life Ins Co TX ,042, ,724, ,066 Federal Life Ins Co IL , , Federated Mut Ins Co MN , , First Comm Hlth Plan Inc AL ,089, ,987, ,143 First United Amer Life Ins Co NY ,796, ,795, ,439 Forethought Life Ins Co IN ,759, ,221, ,588 Geisinger Ind Ins Co PA ,127, ,275, ,963 Genworth Life & Ann Ins Co VA ,318, ,897, ,715 Genworth Life Ins Co DE ,198, ,795, Gerber Life Ins Co NY ,742, ,780, ,083 Globe Life & Accident Ins Co NE ,387, ,893, ,506 Golden Rule Ins Co IN ,034, ,801, ,008 Government Personnel Mut Life Ins Co TX ,281, ,488, ,957 Great Amer Life Ins Co OH ,455, ,660, ,163 Group Hlth Coop of Eau Claire WI , , Group Hlth Coop of S Central WI WI ,521, ,113, ,227 Group Hlth Inc NY ,375, ,041, ,011 Group Hospitalization & Med Srvcs DC ,992, ,482, ,128 Guarantee Trust Life Ins Co IL ,372, ,494, ,789 Gundersen Hlth Plan Inc WI , , Hartford Life & Accident Ins Co CT ,685, ,672, ,104 Hartford Life & Ann Ins Co CT Hartford Life Ins Co CT ,208, ,516, ,934 Hawaii Medical Serv Assn HI , , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 124

131 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Health Alliance Medical Plans IL ,726, ,061, ,196 Health Care Serv Corp A Mut Legal Re IL ,364,494, ,018,746, ,110 Health First Ins Inc FL , , Health Net Hlth Plan of OR Inc OR ,492, ,485, ,434 Health Net Life Ins Co CA ,071, ,749, ,572 Health Now NY Inc NY ,843, ,770, ,564 Health Tradition Hlth Plan WI ,971, ,256, ,721 Healthy Alliance Life Ins Co MO ,931, ,737, ,866 Heartland Natl Life Ins Co IN ,101, ,243, ,515 Highmark BCBSD Inc DE ,600, ,711, ,652 Highmark Inc PA ,141, ,519, ,241 Highmark West Virginia Inc. WV ,438, ,832, ,842 HMO dba Blue Plus MN , , Horizon Hlthcare Serv Inc NJ , ,500, ,161 Horizon Ins Co NJ ,315, ,089, ,694 Hospital Serv Assn of NE PA PA ,857, ,537, ,718 HPHC Ins Co Inc MA ,635, ,242, ,941 Humana Benefit Plan of IL Inc IL Humana Hlth Benefit Plan of LA Inc LA ,034, ,884, ,359 Humana Hlth Ins Co Of FL Inc FL ,600, ,767, ,751 Humana Ins Co WI ,105, ,021, ,373 Humana Ins Co Of KY KY ,054, ,230, ,830 Humana Ins Co of NY NY ,381, ,872, ,627 Humanadental Ins Co WI ,267, , ,517 IA Amer Life Ins Co TX , , Idealife Ins Co CT ,634, , Independence Hospital Ind Plan Inc PA ,196, ,976, ,718 Individual Assur Co Life Hlth & Acc OK , , Inter Cnty Hlth Plan Inc PA , , ,412 Inter Cty Hospitalization Plan Inc PA ,033, ,657, ,420 Investors Heritage Life Ins Co KY , , Investors Life Ins Co N Amer TX , CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 125

132 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Jackson Natl Life Ins Co MI , , Jefferson Life Ins Co TX , , Jefferson Natl Life Ins Co TX ,761, ,321, John Alden Life Ins Co WI , , Kanawha Ins Co SC ,071, , Kansas City Life Ins Co MO , , KPS Hlth Plans WA ,868, ,035, ,070 Liberty Natl Life Ins Co NE ,984, ,801, ,120 LifeSecure Ins Co MI , , LifeWise Hlth Plan of OR Inc OR ,938, ,768, ,012 Lincoln Heritage Life Ins Co IL ,400, ,569, ,675 Lincoln Republic Ins Co ND , , London Life Reins Co PA , , Louisiana Hlth Serv & Ind Co LA ,383, ,749, ,019 Loyal Amer Life Ins Co OH ,849, ,868, ,730 Loyal Christian Benefit Assn PA , , Madison Natl Life Ins Co Inc WI Manhattan Life Ins Co NY ,221, ,080, ,546 Marquette Natl Life Ins Co TX ,634, ,598, ,209 Medica Hlth Plans MN , , Medical Hlth Insuring Corp of OH OH , , Medical Mut Of OH OH ,369, ,535, ,797 Medico Corp Life Ins Co NE ,032, ,478, ,599 Medico Ins Co NE ,396, ,977, ,812 Medisun Inc AZ , , Members Hlth Ins Co AZ ,480, ,033, MercyCare HMO Inc WI ,036, , Metropolitan Life Ins Co NY , , Mid West Natl Life Ins Co Of TN TX , , Midwestern United Life Ins Co IN , , Motorists Commercial Mut Ins Co OH , Mutual Of Omaha Ins Co NE ,619, ,978, ,431 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 126

133 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered National Benefit Life Ins Co NY , , National Cas Co WI , , National Found Life Ins Co TX , , National Guardian Life Ins Co WI ,334 2, National Hlth Ins Co TX , , Nationwide Life Ins Co OH ,413, ,388, ,755 New Era Life Ins Co TX ,128, ,894, ,154 New Era Life Ins Co Of Midwest TX ,433, ,870, ,908 New W Hlth Serv MT ,157, , New York Life Ins Co NY ,869, ,075, Noridian Mut Ins Co ND ,286, ,978, ,407 North Amer Ins Co WI ,879, ,809, ,139 Old Amer Ins Co MO , Old Surety Life Ins Co OK ,541, ,411, ,869 Omaha Ins Co NE ,994, ,165, ,687 Order of United Commercial Travelers OH ,788, ,901, ,197 Oxford Life Ins Co AZ ,194, ,421, ,561 Pacificare Life & Hlth Ins Co IN ,359, ,277, ,892 Pacificsource Hlth Plans OR , , Paramount Ins Co OH ,160, ,848, ,178 Pekin Life Ins Co IL ,820, ,368, ,172 Pennsylvania Life Ins Co PA ,431, ,806, ,858 Philadelphia Amer Life Ins Co TX ,223, ,607, ,067 Physicians Benefits Trust Life Ins IL ,279, , Physicians Life Ins Co NE ,471, ,674, ,461 Physicians Mut Ins Co NE ,554, ,969, ,576 Physicians Plus Ins Corp WI ,146, ,545, ,295 Premera Blue Cross WA ,733, ,857, ,101 Principal Life Ins Co IA ,995, ,373, ,259 Priority Hlth MI ,662, ,055, ,014 Protective Life Ins Co TN , , Providence Hlth Plan OR ,054, ,123, CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 127

134 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Provident Amer Ins Co TX , , Provident Amer Life & Hlth Ins Co OH ,726, ,400, ,545 Prudential Ins Co Of Amer NJ , , Puritan Life Ins Co of Amer TX ,159, ,532, ,874 Pyramid Life Ins Co KS ,053, ,791, ,726 Qualchoice Life & Hlth Ins Co Inc AR , , Regence BCBS of OR OR ,856, ,793, ,549 Regence BCBS of UT UT ,304, ,637, ,381 Regence BlueShield WA ,149, ,827, ,948 Regence Blueshield Of ID Inc ID ,954, ,582, ,600 Reliable Life Ins Co MO Reliastar Life Ins Co MN , , Reserve Natl Ins Co OK ,363, ,757, ,815 Rocky Mountain Hlthcare Options Inc CO ,360 N/A 0 Rocky Mountain Hospital & Medical CO ,999, ,210, ,618 Royal Neighbors Of Amer IL ,447, ,366, ,607 Ryder Hlth Plan Inc PR ,751, ,210, ,827 Sagicor Life Ins Co TX , , Sanford Hlth Plan SD ,138, ,447, ,922 Sanford Hlth Plan of MN MN , , Security Hlth Plan of WI Inc WI ,258, ,330, ,725 Security Life Of Denver Ins Co CO , , Sentinel Security Life Ins Co UT ,568, ,163, ,985 Sentry Life Ins Co WI N/A 0 Shelter Life Ins Co MO , , Shenandoah Life Ins Co VA ,884, ,114, ,858 Sierra Hlth & Life Ins Co Inc NV ,147, ,467, ,348 Southwest Serv Life Ins Co TX , , SPJST TX , , Standard Life & Accident Ins Co TX ,673, ,044, ,054 Standard Life & Cas Ins Co UT , , Farm Mut Auto Ins Co IL ,011, ,918, ,558 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 128

135 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Mut Ins Co GA ,794, ,167, ,617 Sterling Investors Life Ins Co GA ,685, ,451, ,734 Sterling Life Ins Co IL ,067, ,194, ,047 Stonebridge Life Ins Co VT ,718, ,919, ,132 Summa Ins Co Inc OH , , The Vt Hlth Plan LLC VT ,304, ,449, ,742 THP Ins Co WV , , ,412 Thrivent Financial For Lutherans WI ,104, ,922, ,327 Time Ins Co WI , , Transamerica Financial Life Ins Co NY ,116, ,547, ,246 Transamerica Life Ins Co IA ,203, ,497, ,071 Transamerica Premier Life Ins Co IA ,830, ,345, ,746 Triple S Salud Inc PR ,452, ,435, ,155 Trustmark Ins Co IL , , Tufts Ins Co Inc MA ,829, ,832, ,672 UCare MN MN , , Unicare Life & Hlth Ins Co IN ,915, ,706, ,845 Unified Life Ins Co TX ,052, ,587, ,711 Union Fidelity Life Ins Co KS , , Union Labor Life Ins Co MD , ,188, United Amer Ins Co NE ,796, ,947, ,845 United Farm Family Life Ins Co IN , , United Heritage Life Ins Co ID , , United Hlthcare Ins Co Of NY NY ,743, ,114, ,205 United Hlthcare of AL Inc AL ,809, ,368, United Hlthcare of AZ Inc AZ , , United Natl Life Ins Co Of Amer IL ,987, ,972, ,460 United Of Omaha Life Ins Co NE ,127,312, ,163, ,047 United Security Assur Co Of PA PA , , United Teacher Assoc Ins Co TX ,703, ,279, ,880 United World Life Ins Co NE ,761, ,355, ,762 UnitedHealthcare Ins Co CT ,696,135, ,056,392, ,468,525 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 129

136 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS June 25, MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS In Order by U.S. and U.S. Territories TOTAL POLICIES (INDIVIDUAL AND GROUP) of Dom Cocode Group Code Direct Premiums Loss Incurred to Direct Claims Premiums % Incurred % Number of Lives Covered Unity Hlth Plans Ins Corp WI ,894, ,905, ,512 Universal Fidelity Life Ins Co OK ,122, ,338, ,404 Upmc Hlth Benefits Inc PA , , US Hlth & Life Ins Co Inc MI , , USAA Life Ins Co TX ,662, ,775, ,848 USAble Life AR , , USAble Mut Ins Co AR ,884, ,106, ,137 UTMB Hlth Plans Inc TX , , Voya Retirement Ins & Ann Co CT , , Washington Natl Ins Co IN ,002, ,682, ,033 Wellmark Inc IA ,644, ,435, ,317 Wellmark Of SD Inc SD ,763, ,301, ,847 Western Catholic Union IL , , Wisconsin Physicians Serv Ins Corp WI ,365, ,750, ,594 WMI Mut Ins Co UT , , Woodmen World Assur Life Assn CO ,678, ,424, ,603 WPS Hlth Plan Inc WI , , TOTAL 24,760,583,326 18,958,908, ,213,060 CAUTION: The information contained on this page is unaudited and not a complete analysis nor is it an expression of opinion on any insurer. This page may contain inadvertent errors. 130

137 MARKET SHARE BY DIRECT PREMIUMS EARNED 131

138 132

139 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: ALABAMA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBS of AL AL , ,703, UnitedHealthcare Ins Co CT ,247 58,765, First Comm Hlth Plan Inc AL ,143 7,089, United World Life Ins Co NE ,392 6,662, Humana Ins Co WI ,561 4,524, Physicians Mut Ins Co NE ,921 4,496, Philadelphia Amer Life Ins Co TX ,838 4,339, United Of Omaha Life Ins Co NE ,229 3,469, American Retirement Life Ins Co OH ,125 2,561, Physicians Life Ins Co NE ,511, **TOTAL** 188, ,379, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 133

140 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: ALASKA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,422 13,771, Premera Blue Cross WA ,365 2,627, Mutual Of Omaha Ins Co NE ,850, Humana Ins Co WI , Farm Mut Auto Ins Co IL , USAA Life Ins Co TX , Transamerica Life Ins Co IA , Principal Life Ins Co IA , United Amer Ins Co NE , Sterling Life Ins Co IL , **TOTAL** 11,269 21,087, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 134

141 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: ARIZONA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,299, BCBS of AZ Inc AZ ,229 73,127, United Of Omaha Life Ins Co NE ,809 64,054, American Continental Ins Co TN ,410 13,384, Physicians Mut Ins Co NE ,814 11,686, Mutual Of Omaha Ins Co NE ,025 9,240, American Republic Ins Co IA ,808 8,621, USAA Life Ins Co TX ,778 7,758, United World Life Ins Co NE ,798 5,270, American Family Life Assur Co of Col NE ,849 5,031, **TOTAL** 232, ,958, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 135

142 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: ARKANSAS of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative USAble Mut Ins Co AR , ,884, UnitedHealthcare Ins Co CT ,966 34,179, United Of Omaha Life Ins Co NE ,946 14,729, American Continental Ins Co TN ,264 6,460, United World Life Ins Co NE ,806 5,486, Old Surety Life Ins Co OK ,054 4,137, Mutual Of Omaha Ins Co NE ,138, Humana Ins Co WI ,737 2,698, Medico Ins Co NE ,201 2,151, Farm Mut Auto Ins Co IL ,148, **TOTAL** 163, ,428, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 136

143 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: CALIFORNIA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,281, Health Net Life Ins Co CA ,561 46,047, Aetna Life Ins Co CT ,209 27,428, USAA Life Ins Co TX ,625 26,609, Colonial Penn Life Ins Co PA ,914 24,490, United World Life Ins Co NE ,096 24,135, United Amer Ins Co NE ,823 23,403, Humana Ins Co WI ,652 15,711, Transamerica Life Ins Co IA ,279 12,895, United Of Omaha Life Ins Co NE ,987 12,479, **TOTAL** 427, ,224, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 137

144 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: COLORADO of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,310, Rocky Mountain Hospital & Medical CO ,734 55,693, United World Life Ins Co NE ,127 14,950, USAA Life Ins Co TX ,104 8,514, Bankers Life & Cas Co IL ,474 8,235, Mutual Of Omaha Ins Co NE ,226 8,196, American Republic Ins Co IA ,343 7,770, Humana Ins Co WI ,930 7,274, Colonial Penn Life Ins Co PA ,036 7,132, Sentinel Security Life Ins Co UT ,406 6,597, **TOTAL** 149, ,609, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 138

145 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: CONNECTICUT of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,892, Anthem Hlth Plans Inc CT ,358 84,616, USAA Life Ins Co TX ,815 5,590, Bankers Life & Cas Co IL ,314 3,049, Humana Ins Co WI ,150 2,562, Mutual Of Omaha Ins Co NE ,567, Transamerica Premier Life Ins Co IA ,451, Omaha Ins Co NE ,313, United Of Omaha Life Ins Co NE ,304, United Amer Ins Co NE ,269, **TOTAL** 146, ,244, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 139

146 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: DELAWARE of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,507 69,218, Highmark BCBSD Inc DE ,652 10,600, Bankers Life & Cas Co IL ,132, Humana Ins Co WI ,852 2,787, Guarantee Trust Life Ins Co IL ,706, Standard Life & Accident Ins Co TX ,464 2,682, Farm Mut Auto Ins Co IL ,598, Colonial Penn Life Ins Co PA ,030 2,075, USAA Life Ins Co TX ,334, Sterling Life Ins Co IL , **TOTAL** 51, ,577, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 140

147 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: DISTRICT OF COLUMBIA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,296 11,883, Group Hospitalization & Med Srvcs DC ,603 4,153, USAA Life Ins Co TX , Bankers Life & Cas Co IL , Colonial Penn Life Ins Co PA , Mutual Of Omaha Ins Co NE , Transamerica Life Ins Co IA , Humana Ins Co WI , United Amer Ins Co NE , Loyal Amer Life Ins Co OH , **TOTAL** 8,817 17,969, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 141

148 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: FLORIDA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,570, BCBS Of FL FL , ,079, United Amer Ins Co NE ,099 76,067, Bankers Life & Cas Co IL ,937 45,416, Colonial Penn Life Ins Co PA ,727 43,530, American Pioneer Life Ins Co FL ,998 37,272, Mutual Of Omaha Ins Co NE ,822 33,887, USAA Life Ins Co TX ,064 22,988, Farm Mut Auto Ins Co IL ,410 15,265, Transamerica Life Ins Co IA ,964 14,151, **TOTAL** 730,177 1,775,768, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 142

149 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: GEORGIA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,542, BCBS of GA Inc GA , ,709, Continental Life Ins Co Brentwood TN ,456 31,813, United Of Omaha Life Ins Co NE ,615 30,368, United World Life Ins Co NE ,846 30,304, United Amer Ins Co NE ,414 17,519, New Era Life Ins Co Of Midwest TX ,189 16,766, Humana Ins Co WI ,648 14,145, USAA Life Ins Co TX ,987 10,309, Mutual Of Omaha Ins Co NE ,979 9,255, **TOTAL** 298, ,958, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 143

150 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: HAWAII of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,808 8,918, Humana Ins Co WI , USAA Life Ins Co TX , Hawaii Medical Serv Assn HI , Mutual Of Omaha Ins Co NE , Farm Mut Auto Ins Co IL , Transamerica Life Ins Co IA , Transamerica Premier Life Ins Co IA , Physicians Mut Ins Co NE , Sentinel Security Life Ins Co UT , **TOTAL** 6,030 11,218, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 144

151 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: IDAHO of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,741 30,689, Blue Cross of ID Hlth Serv Inc ID ,107 18,235, Regence Blueshield Of ID Inc ID ,582 12,873, Mutual Of Omaha Ins Co NE ,709 12,864, United Of Omaha Life Ins Co NE ,335 12,739, Continental Life Ins Co Brentwood TN ,025 7,222, Sterling Life Ins Co IL ,790 5,555, Bankers Life & Cas Co IL ,633 4,996, Order of United Commercial Travelers OH ,424 4,109, Bankers Fidelity Life Ins Co GA ,164 3,908, **TOTAL** 62, ,428, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 145

152 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: ILLINOIS of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Health Care Serv Corp A Mut Legal Re IL , ,200, UnitedHealthcare Ins Co CT , ,661, United Of Omaha Life Ins Co NE ,276 83,328, Mutual Of Omaha Ins Co NE ,870 64,330, Country Life Ins Co IL ,799 56,221, American Continental Ins Co TN ,330 48,765, Farm Mut Auto Ins Co IL ,518 14,669, American Republic Ins Co IA ,072 12,155, Philadelphia Amer Life Ins Co TX ,062 11,815, Pekin Life Ins Co IL ,078 11,575, **TOTAL** 690,858 1,665,289, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 146

153 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: INDIANA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,430, Anthem Ins Co Inc IN , ,224, United Of Omaha Life Ins Co NE ,728 86,264, United World Life Ins Co NE ,142 47,304, Gerber Life Ins Co NY ,149 22,906, Bankers Life & Cas Co IL ,020 19,373, Colonial Penn Life Ins Co PA ,081 16,463, Farm Mut Auto Ins Co IL ,283 15,164, Mutual Of Omaha Ins Co NE ,361 12,747, Forethought Life Ins Co IN ,442 10,268, **TOTAL** 319, ,082, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 147

154 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: IOWA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Wellmark Inc IA , ,644, United Of Omaha Life Ins Co NE ,197 36,484, UnitedHealthcare Ins Co CT ,780 32,958, Continental Life Ins Co Brentwood TN ,358 31,211, American Republic Ins Co IA ,255 23,384, American Republic Corp Ins Co NE ,268 10,519, Bankers Life & Cas Co IL ,353 10,176, Mutual Of Omaha Ins Co NE ,939 6,139, Farm Mut Auto Ins Co IL ,566 5,950, Equitable Life & Cas Ins Co UT ,976 5,177, **TOTAL** 270, ,091, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 148

155 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: KANSAS of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBS Of KS Inc KS , ,872, UnitedHealthcare Ins Co CT ,170 54,553, United World Life Ins Co NE ,433 32,436, American Continental Ins Co TN ,708 23,960, BCBS of KC MO ,012 19,974, American Retirement Life Ins Co OH ,704 6,906, Medico Ins Co NE ,257 6,823, Farm Mut Auto Ins Co IL ,978 5,728, Coventry Hlth & Life Ins Co MO ,993 5,695, Bankers Life & Cas Co IL ,615 5,022, **TOTAL** 215, ,120, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 149

156 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: KENTUCKY of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Anthem Hlth Plans Of KY Inc KY , ,778, UnitedHealthcare Ins Co CT ,763 98,703, United Of Omaha Life Ins Co NE ,046 24,536, American Continental Ins Co TN ,974 11,177, Omaha Ins Co NE ,599 10,056, Forethought Life Ins Co IN ,498 9,671, Humana Ins Co Of KY KY ,830 8,054, United Teacher Assoc Ins Co TX ,738 5,908, United World Life Ins Co NE ,496 5,849, Washington Natl Ins Co IN ,176 4,920, **TOTAL** 188, ,412, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 150

157 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: LOUISIANA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Louisiana Hlth Serv & Ind Co LA , ,383, UnitedHealthcare Ins Co CT ,913 56,253, United Of Omaha Life Ins Co NE ,507 31,857, Physicians Mut Ins Co NE ,119 11,158, New Era Life Ins Co TX ,880 9,601, Sterling Life Ins Co IL ,615 7,309, Physicians Life Ins Co NE ,559 7,087, United World Life Ins Co NE ,377 5,459, American Continental Ins Co TN ,447 3,733, USAA Life Ins Co TX ,410 3,649, **TOTAL** 128, ,684, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 151

158 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: MAINE of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,050 92,425, Anthem Hlth Plans of ME Inc ME ,154 43,173, HPHC Ins Co Inc MA ,369 4,062, Colonial Penn Life Ins Co PA ,561 2,703, Bankers Life & Cas Co IL ,939, Transamerica Life Ins Co IA ,435, Mutual Of Omaha Ins Co NE ,338, Principal Life Ins Co IA ,204, USAA Life Ins Co TX , United Of Omaha Life Ins Co NE , **TOTAL** 71, ,161, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 152

159 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: MARYLAND of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,536, Carefirst of MD Inc MD , ,267, United World Life Ins Co NE ,933 19,980, United Amer Ins Co NE ,782 18,447, Omaha Ins Co NE ,673 11,806, USAA Life Ins Co TX ,196 11,100, Colonial Penn Life Ins Co PA ,101 11,007, Continental Life Ins Co Brentwood TN ,266 10,018, Group Hospitalization & Med Srvcs DC ,797 8,950, Bankers Life & Cas Co IL ,889 7,317, **TOTAL** 207, ,543, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 153

160 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: MASSACHUSETTS of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBS of MA MA , ,405, UnitedHealthcare Ins Co CT ,998 81,032, HPHC Ins Co Inc MA ,078 40,563, Tufts Ins Co Inc MA ,672 26,829, Humana Ins Co WI ,592 10,239, Bankers Life & Cas Co IL ,798 9,798, Fallon Hlth & Life Assur Co MA ,822 4,362, Oxford Life Ins Co AZ , Hartford Life Ins Co CT , Mutual Of Omaha Ins Co NE , **TOTAL** 274, ,446, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 154

161 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: MICHIGAN of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBS of MI Mut Ins Co MI , ,023, UnitedHealthcare Ins Co CT , ,951, United Of Omaha Life Ins Co NE ,659 43,762, Blue Care Network Of MI MI ,748 26,962, Priority Hlth MI ,014 15,662, American Continental Ins Co TN ,239 15,207, Colonial Penn Life Ins Co PA ,722 11,114, Omaha Ins Co NE ,085 8,074, Bankers Life & Cas Co IL ,199 7,958, Bankers Fidelity Life Ins Co GA ,435 5,398, **TOTAL** 393, ,746, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 155

162 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: MINNESOTA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBSM Inc MN , ,395, UnitedHealthcare Ins Co CT ,681 33,318, Continental Life Ins Co Brentwood TN ,564 9,239, Farm Mut Auto Ins Co IL ,581 6,284, Bankers Life & Cas Co IL ,578 4,745, United World Life Ins Co NE ,541 4,711, Mutual Of Omaha Ins Co NE ,133 4,268, Combined Ins Co Of Amer IL ,706, Colonial Penn Life Ins Co PA ,286 2,101, United Amer Ins Co NE ,520, **TOTAL** 131, ,731, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 156

163 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: MISSISSIPPI of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,874 56,173, BCBS Of MS Mut Ins Co MS ,550 34,138, United Of Omaha Life Ins Co NE ,224 29,031, Philadelphia Amer Life Ins Co TX ,840 28,636, American Continental Ins Co TN ,349 21,276, Mutual Of Omaha Ins Co NE ,559 19,000, United World Life Ins Co NE ,347 13,451, Farm Mut Auto Ins Co IL ,189 8,321, Omaha Ins Co NE ,411 7,730, Order of United Commercial Travelers OH ,810 6,663, **TOTAL** 137, ,411, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 157

164 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: MISSOURI of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,477, Mutual Of Omaha Ins Co NE , ,352, Healthy Alliance Life Ins Co MO ,863 93,923, United Of Omaha Life Ins Co NE ,503 39,710, BCBS of KC MO ,777 39,378, Stonebridge Life Ins Co VT ,649 26,687, American Republic Ins Co IA ,112 14,486, Old Surety Life Ins Co OK ,980 11,449, Farm Mut Auto Ins Co IL ,133 10,610, Humana Ins Co WI ,897 10,279, **TOTAL** 288, ,266, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 158

165 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: MONTANA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Health Care Serv Corp A Mut Legal Re IL ,634 37,384, UnitedHealthcare Ins Co CT ,136 21,717, Sterling Life Ins Co IL ,289 14,311, American Continental Ins Co TN ,054 8,613, United World Life Ins Co NE ,011 5,588, Humana Ins Co WI ,970 4,308, Farm Mut Auto Ins Co IL ,385 4,175, Mutual Of Omaha Ins Co NE ,194 3,830, Old Surety Life Ins Co OK ,724 3,207, Woodmen World Assur Life Assn CO ,783 3,103, **TOTAL** 64, ,818, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 159

166 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: NEBRASKA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBS Of NE NE , ,697, Mutual Of Omaha Ins Co NE ,865 28,584, UnitedHealthcare Ins Co CT ,342 18,909, American Continental Ins Co TN ,439 17,617, United Of Omaha Life Ins Co NE ,419 16,091, Physicians Mut Ins Co NE ,133 10,819, Thrivent Financial For Lutherans WI ,871 9,832, Order of United Commercial Travelers OH ,845 6,434, Family Life Ins Co TX ,506 6,291, Farm Mut Auto Ins Co IL ,130 5,406, **TOTAL** 152, ,937, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 160

167 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: NEVADA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,396 79,574, Rocky Mountain Hospital & Medical CO ,884 24,306, Equitable Life & Cas Ins Co UT ,359 9,900, Mutual Of Omaha Ins Co NE ,767 5,872, Humana Ins Co WI ,715 5,384, United Of Omaha Life Ins Co NE ,800 5,378, United Amer Ins Co NE ,508 4,569, American Retirement Life Ins Co OH ,263 2,911, USAA Life Ins Co TX ,019 2,578, Aetna Life Ins Co CT ,037 2,567, **TOTAL** 72, ,285, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 161

168 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: NEW HAMPSHIRE of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Anthem Hlth Plans of NH NH ,710 71,048, UnitedHealthcare Ins Co CT ,926 66,140, Bankers Life & Cas Co IL ,577 17,127, HPHC Ins Co Inc MA ,494 15,008, Colonial Penn Life Ins Co PA ,647 9,998, United Of Omaha Life Ins Co NE ,144, USAA Life Ins Co TX ,629, Transamerica Life Ins Co IA ,157, Continental Life Ins Co Brentwood TN ,080 1,152, American Republic Ins Co IA ,146, **TOTAL** 83, ,927, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 162

169 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: NEW JERSEY of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,302, Horizon Ins Co NJ , ,315, Bankers Life & Cas Co IL ,961 42,004, Genworth Life & Ann Ins Co VA ,471 36,138, Colonial Penn Life Ins Co PA ,603 27,277, United Of Omaha Life Ins Co NE ,478 24,017, United World Life Ins Co NE ,758 16,670, Continental Life Ins Co Brentwood TN ,977 12,143, Gerber Life Ins Co NY ,010 11,301, Transamerica Premier Life Ins Co IA ,148 7,173, **TOTAL** 500,694 1,038,596, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 163

170 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: NEW MEXICO of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,223 48,104, Health Care Serv Corp A Mut Legal Re IL ,421 13,124, United World Life Ins Co NE ,634 7,740, United Amer Ins Co NE ,728 4,392, Mutual Of Omaha Ins Co NE ,335 4,225, Humana Ins Co WI ,577 2,570, USAA Life Ins Co TX ,078 2,052, Farm Mut Auto Ins Co IL ,247, United Of Omaha Life Ins Co NE ,944 1,126, American Republic Ins Co IA ,022, **TOTAL** 50,119 96,682, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 164

171 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: NEW YORK of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative United Hlthcare Ins Co Of NY NY , ,743, Empire Healthchoice Assur Inc NY , ,350, Excellus Hlth Plan Inc NY ,114 35,047, First United Amer Life Ins Co NY ,439 31,796, Transamerica Financial Life Ins Co NY ,246 14,116, Mutual Of Omaha Ins Co NE ,170 13,386, CDPHP Universal Benefits Inc NY ,883 8,732, Humana Ins Co of NY NY ,627 8,381, Health Now NY Inc NY ,564 7,843, Group Hlth Inc NY ,011 6,375, **TOTAL** 398,035 1,031,449, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 165

172 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: NORTH CAROLINA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBS of NC Inc NC , ,577, UnitedHealthcare Ins Co CT , ,416, United Of Omaha Life Ins Co NE , ,602, Mutual Of Omaha Ins Co NE ,653 29,165, American Continental Ins Co TN ,075 25,493, United World Life Ins Co NE ,776 12,625, Bankers Life & Cas Co IL ,415 12,603, Colonial Penn Life Ins Co PA ,403 10,096, American Republic Ins Co IA ,298 9,992, USAA Life Ins Co TX ,913 7,276, **TOTAL** 425, ,015, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 166

173 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: NORTH DAKOTA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Noridian Mut Ins Co ND ,407 80,286, UnitedHealthcare Ins Co CT ,010 4,633, United World Life Ins Co NE ,756 4,496, Mutual Of Omaha Ins Co NE ,028 3,180, American Republic Ins Co IA ,372, Order of United Commercial Travelers OH ,317, Thrivent Financial For Lutherans WI ,685, American Republic Corp Ins Co NE ,520, American Family Mut Ins Co WI ,202, Humana Ins Co WI ,199, **TOTAL** 50, ,681, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 167

174 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: OHIO of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,762, Community Ins Co OH , ,221, United Of Omaha Life Ins Co NE ,287 34,499, Medical Mut Of OH OH ,797 27,369, Forethought Life Ins Co IN ,100 19,028, Omaha Ins Co NE ,236 13,225, Bankers Life & Cas Co IL ,660 12,532, Woodmen World Assur Life Assn CO ,714 11,277, Colonial Penn Life Ins Co PA ,340 10,549, Humana Ins Co WI ,947 10,225, **TOTAL** 390, ,489, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 168

175 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: OKLAHOMA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Health Care Serv Corp A Mut Legal Re IL , ,779, UnitedHealthcare Ins Co CT ,574 78,425, United Of Omaha Life Ins Co NE ,394 29,664, Physicians Mut Ins Co NE ,227 8,718, Omaha Ins Co NE ,158 6,504, Sentinel Security Life Ins Co UT ,256 5,534, Universal Fidelity Life Ins Co OK ,764 5,049, American Retirement Life Ins Co OH ,696 4,702, Reserve Natl Ins Co OK ,875 4,638, Mutual Of Omaha Ins Co NE ,454 4,418, **TOTAL** 171, ,503, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 169

176 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: OREGON of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,201 77,790, United Of Omaha Life Ins Co NE ,473 40,820, Regence BCBS of OR OR ,965 22,324, Stonebridge Life Ins Co VT ,113 18,500, Mutual Of Omaha Ins Co NE ,855 6,432, United World Life Ins Co NE ,604 5,744, Health Net Hlth Plan of OR Inc OR ,434 5,492, Sterling Life Ins Co IL ,444 5,459, Bankers Life & Cas Co IL ,560 5,146, Continental Life Ins Co Brentwood TN ,478 5,119, **TOTAL** 126, ,770, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 170

177 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: PENNSYLVANIA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,586, Highmark Inc PA , ,141, Independence Hospital Ind Plan Inc PA ,718 58,196, United World Life Ins Co NE ,273 52,703, New Era Life Ins Co TX ,585 43,857, Bankers Life & Cas Co IL ,397 40,919, Hospital Serv Assn of NE PA PA ,718 34,857, Colonial Penn Life Ins Co PA ,422 33,875, American Continental Ins Co TN ,576 33,516, Capital Advantage Ins Co PA ,998 27,424, **TOTAL** 634,643 1,254,865, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 171

178 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: RHODE ISLAND of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBS of RI RI ,052 55,333, UnitedHealthcare Ins Co CT ,163 22,665, Bankers Life & Cas Co IL ,155 3,814, Colonial Penn Life Ins Co PA ,927 3,667, USAA Life Ins Co TX , Humana Ins Co WI , Mutual Of Omaha Ins Co NE , Transamerica Life Ins Co IA , Government Personnel Mut Life Ins Co TX , American Retirement Life Ins Co OH , **TOTAL** 45,052 88,441, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 172

179 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: SOUTH CAROLINA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,292, BCBS Of SC Inc SC , ,410, United Of Omaha Life Ins Co NE ,569 28,649, American Continental Ins Co TN ,185 18,886, New Era Life Ins Co TX ,716 14,618, United World Life Ins Co NE ,724 9,664, Omaha Ins Co NE ,057 8,534, American Retirement Life Ins Co OH ,996 6,831, Continental Life Ins Co Brentwood TN ,789 6,536, Forethought Life Ins Co IN ,592 6,359, **TOTAL** 216, ,501, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 173

180 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: SOUTH DAKOTA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Wellmark Of SD Inc SD ,847 55,763, Avera Hlth Plans Inc SD ,472 15,424, United Of Omaha Life Ins Co NE ,343 11,530, UnitedHealthcare Ins Co CT ,425 10,972, United World Life Ins Co NE ,325 7,643, Mutual Of Omaha Ins Co NE ,523 5,907, Farm Mut Auto Ins Co IL ,810 4,095, Sanford Hlth Plan SD ,595 3,525, Thrivent Financial For Lutherans WI ,201 2,888, Gerber Life Ins Co NY ,450, **TOTAL** 64, ,278, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 174

181 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: TENNESSEE of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative BCBS of TN Inc TN , ,286, UnitedHealthcare Ins Co CT , ,898, United Of Omaha Life Ins Co NE ,586 38,818, Mutual Of Omaha Ins Co NE ,760 13,021, Bankers Fidelity Life Ins Co GA ,700 8,348, Philadelphia Amer Life Ins Co TX ,168 8,283, American Continental Ins Co TN ,143 7,284, Farm Mut Auto Ins Co IL ,987 6,995, Colonial Penn Life Ins Co PA ,673 6,310, Humana Ins Co WI ,098 6,007, **TOTAL** 197, ,311, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 175

182 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: TEXAS of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,600, Health Care Serv Corp A Mut Legal Re IL , ,005, United Of Omaha Life Ins Co NE , ,700, Continental Life Ins Co Brentwood TN ,987 67,999, USAA Life Ins Co TX ,770 34,246, Mutual Of Omaha Ins Co NE ,234 33,297, Christian Fidelity Life Ins Co TX ,519 32,182, New Era Life Ins Co Of Midwest TX ,038 31,503, Farm Mut Auto Ins Co IL ,752 31,483, Omaha Ins Co NE ,295 28,188, **TOTAL** 675,379 1,562,617, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 176

183 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: UTAH of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,982 43,918, Regence BCBS of UT UT ,381 32,304, Educators Mut Ins Assoc UT ,372 4,178, Standard Life & Accident Ins Co TX ,468 4,103, Bankers Fidelity Life Ins Co GA ,779 3,541, United World Life Ins Co NE ,341 3,444, Equitable Life & Cas Ins Co UT ,405 2,526, Mutual Of Omaha Ins Co NE ,000, United Of Omaha Life Ins Co NE ,641 1,810, Sterling Life Ins Co IL ,741, **TOTAL** 60, ,861, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 177

184 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: VERMONT of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,032 39,696, BCBS of VT VT ,990 10,508, Bankers Life & Cas Co IL ,145 6,583, The Vt Hlth Plan LLC VT ,742 5,304, Genworth Life & Ann Ins Co VA ,004 4,639, Washington Natl Ins Co IN ,983 4,213, Colonial Penn Life Ins Co PA ,794 3,481, Mutual Of Omaha Ins Co NE ,544, Humana Ins Co WI ,092 1,693, American Progressive L&H Ins Of NY NY ,519, **TOTAL** 45,021 86,017, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 178

185 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: VIRGINIA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Anthem Hlth Plans of VA Inc VA , ,197, UnitedHealthcare Ins Co CT , ,651, United Of Omaha Life Ins Co NE ,426 63,433, American Continental Ins Co TN ,270 30,240, United Amer Ins Co NE ,566 11,713, Bankers Life & Cas Co IL ,516 10,823, Humana Ins Co WI ,355 8,332, USAA Life Ins Co TX ,957 8,119, Mutual Of Omaha Ins Co NE ,953 7,851, Family Life Ins Co TX ,280 7,574, **TOTAL** 343, ,745, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 179

186 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: WASHINGTON of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , ,192, Premera Blue Cross WA ,736 88,105, Regence BlueShield WA ,948 52,149, Sterling Life Ins Co IL ,976 24,417, Mutual Of Omaha Ins Co NE ,627 22,334, United Of Omaha Life Ins Co NE ,166 14,038, USAA Life Ins Co TX ,852 8,460, Farm Mut Auto Ins Co IL ,895 7,706, Bankers Life & Cas Co IL ,927 6,300, Colonial Penn Life Ins Co PA ,808 5,455, **TOTAL** 238, ,339, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 180

187 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: WEST VIRGINIA of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,344 80,410, Highmark West Virginia Inc. WV ,842 17,438, United Of Omaha Life Ins Co NE ,675 11,494, Continental Life Ins Co Brentwood TN ,344 8,449, Bankers Life & Cas Co IL ,303 4,644, Omaha Ins Co NE ,896 4,059, Farm Mut Auto Ins Co IL ,707 3,881, Bankers Fidelity Life Ins Co GA ,488 3,582, Colonial Penn Life Ins Co PA ,756 3,228, Humana Ins Co WI ,420 3,010, **TOTAL** 79, ,517, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 181

188 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: WISCONSIN of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Wisconsin Physicians Serv Ins Corp WI , ,656, UnitedHealthcare Ins Co CT ,231 87,901, BCBS of WI WI ,232 80,195, Continental Life Ins Co Brentwood TN ,303 55,232, Physicians Mut Ins Co NE ,560 35,074, Dean Hlth Plan Inc WI ,967 33,330, American Republic Ins Co IA ,189 20,900, Physicians Life Ins Co NE ,740 18,641, Bankers Life & Cas Co IL ,722 17,990, American Republic Corp Ins Co NE ,712 14,970, **TOTAL** 252, ,349, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 182

189 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: WYOMING of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,240 29,089, BCBS of WY WY ,119 16,820, United World Life Ins Co NE ,659 4,001, Mutual Of Omaha Ins Co NE ,224 3,938, United Of Omaha Life Ins Co NE ,088 3,618, Farm Mut Auto Ins Co IL ,671 3,588, American Continental Ins Co TN ,625 2,658, Humana Ins Co WI ,417 2,445, USAA Life Ins Co TX ,574, Order of United Commercial Travelers OH ,277, **TOTAL** 40,240 81,643, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 183

190 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: GUAM of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , **TOTAL** , CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 184

191 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: N MARIANA ISLANDS of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT , **TOTAL** 29 39, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 185

192 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: PUERTO RICO of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative Triple S Salud Inc PR ,155 29,452, UnitedHealthcare Ins Co CT ,459 6,988, Ryder Hlth Plan Inc PR ,827 3,751, Mutual Of Omaha Ins Co NE , Everence Assn Inc IN , Transamerica Premier Life Ins Co IA , **TOTAL** 31,499 40,290, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 186

193 June 25, 2015 NATIONAL ASSOCIATION OF INSURANCE COMMISSIONERS 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS TOTAL POLICIES (INDIVIDUAL AND GROUP) MARKET SHARE FOR THE STATE OF: U.S. VIRGIN ISLANDS of Company Group Domicile Code Code Number of Covered Lives Direct Premiums Percentage Cumulative UnitedHealthcare Ins Co CT ,945 11,060, Mutual Of Omaha Ins Co NE , Continental Gen Ins Co OH , American Family Life Assur Co of Col NE , **TOTAL** 8,033 11,173, CAUTION: THE INFORMATION CONTAINED ON THIS PAGE IS UNAUDITED AND NOT A COMPLETE ANALYSIS NOR IS IT AN EXPRESSION OF OPINION ON ANY INSURER. THIS PAGE MAY CONTAIN INADVERTENT ERRORS. 187

194 188

195 COMPANY INDEX 189

196 190

197 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives 21st Century Premier Ins Co FARMERS INS GRP 270, Ability Ins Co ADVANTAGE CAPITAL GRP 657, Aetna Hlth & Life Ins Co AETNA GRP 0 0 9,020,730 9,622 Aetna Life Ins Co AETNA GRP 16,325,773 4,801 72,487,562 32,276 Alliance Hlth & Life Ins Co HENRY FORD HLTH SYSTEM GRP 1,140, ,239, Allianz Life Ins Co Of N Amer ALLIANZ INS GRP 310, Allianz Life Ins Co Of NY ALLIANZ INS GRP 42, Amalgamated Life & Hlth Ins Co ,905,710 1,747 50, American Continental Ins Co AETNA GRP 106,980,603 40, ,564, ,703 American Family Ins Co AMERICAN FAMILY INS GRP 369, American Family Life Assur Co of Col AFLAC GRP 25,479,452 7,527 33,571,461 18,520 American Family Life Assur Co of NY AFLAC GRP 593, American Family Mut Ins Co AMERICAN FAMILY INS GRP 33,194,443 9, American Fidelity Assur Co AMERICAN FIDELITY CORP GRP -1, American Gen Life Ins Co AMERICAN INTL GRP 1,917, American Income Life Ins Co TORCHMARK CORP GRP 483, American Natl Ins Co AMERICAN NATL FIN GRP 144, American Natl Life Ins Co Of TX AMERICAN NATL FIN GRP 13,143,634 4, American Pioneer Life Ins Co UNIVERSAL AMER FIN CORP GRP 51,814,027 15,860 1,031, American Progressive L&H Ins Of NY UNIVERSAL AMER FIN CORP GRP 16,853,931 4, , American Republic Corp Ins Co AMERICAN ENTERPRISE MUT GRP 44,130,709 16,712 14,970,358 7,123 American Republic Ins Co AMERICAN ENTERPRISE MUT GRP 123,879,403 36,215 12,197,707 8,326 American Retirement Life Ins Co CIGNA HLTH GRP ,907,762 95,913 Anthem Hlth Plans Inc ANTHEM INC GRP 70,946,714 39,001 13,669,784 9,357 Anthem Hlth Plans Of KY Inc ANTHEM INC GRP 132,687,189 62,244 38,091,024 17,345 Anthem Hlth Plans of ME Inc ANTHEM INC GRP 35,787,452 15,599 7,386,175 4,

198 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Anthem Hlth Plans of NH ANTHEM INC GRP 53,946,492 20,937 17,102,098 8,773 Anthem Hlth Plans of VA Inc ANTHEM INC GRP 214,902,644 86,184 54,295,071 27,732 Anthem Ins Co Inc ANTHEM INC GRP 116,120,879 38,160 30,104,057 15,098 Assurity Life Ins Co , Asuris NW Hlth CAMBIA HEALTH SOLUTIONS INC 1,849, ,096,237 2,167 Aultcare Ins Co AULTMAN HLTH FOUNDATION GRP , Auto Owners Life Ins Co AUTO OWNERS GRP 938, Avalon Ins Co CAPITAL BLUE CROSS GRP 1,518, ,039, Avera Hlth Plans Inc ,996,435 5,819 4,091,990 3,056 Bankers Conseco Life Ins Co CNO FINANCIAL GRP 2,261, ,764,442 2,190 Bankers Fidelity Assur Co ATLANTIC AMER GRP , Bankers Fidelity Life Ins Co ATLANTIC AMER GRP 50,946,240 19,181 34,018,552 18,978 Bankers Life & Cas Co CNO FINANCIAL GRP 403,194, , BCBS of AL BCBS OF AL GRP 174,624,614 93,958 56,079,133 32,649 BCBS of AZ Inc ,080,552 17,586 27,046,548 14,643 BCBS Of FL GUIDEWELL MUT HOLDING GRP 263,666, , ,412,592 47,864 BCBS of GA Inc ANTHEM INC GRP 112,364,051 40,242 36,345,291 19,138 BCBS of KC BCBS OF KC GRP 47,017,506 16,697 12,336,115 6,092 BCBS Of KS Inc BCBS OF KS GRP 212,594,932 87,579 42,277,614 27,188 BCBS of MA BCBS OF MA GRP 338,441, ,620 95,963,683 55,539 BCBS of MI Mut Ins Co BCBS OF MI GRP ,023, ,771 BCBS Of MS Mut Ins Co MISSISSIPPI INS GRP 29,467,992 9,938 4,670,090 2,612 BCBS of NC Inc ,734, ,809 96,843,923 53,792 BCBS Of NE ,890,823 38,887 55,806,401 27,787 BCBS of RI ,371,242 23,724 2,962,340 1,328 BCBS Of SC Inc BCBS OF SC GRP 101,106,982 36,544 32,303,184 19,

199 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives BCBS of TN Inc BCBS OF TN GRP 128,092,075 51,296 12,194,246 11,249 BCBS of VT BCBS OF VT GRP 9,906,045 3, , BCBS of WI ANTHEM INC GRP 69,261,875 14,526 10,933,533 11,706 BCBS of WY ,948,651 5,390 3,871,597 2,729 BCBSM Inc BCBS OF MN GRP 864, ,531,478 95,400 BCS Ins Co BCS INS GRP 1, Blue Care Network Of MI BCBS OF MI GRP 13,058,014 5,812 13,904,971 5,936 Blue Cross of ID Hlth Serv Inc BLUE CROSS OF ID GRP 16,575,836 6,374 1,659, BridgeSpan Hlth Co CAMBIA HEALTH SOLUTIONS INC 830, Capital Advantage Ins Co CAPITAL BLUE CROSS GRP 25,186,416 18,789 2,237,817 2,209 Capital Blue Cross CAPITAL BLUE CROSS GRP 23,779,763 18,789 2,112,836 2,209 Careamerica Life Ins Co BLUE SHIELD OF CA GRP Carefirst of MD Inc CAREFIRST INC GRP 131,503,111 39,743 23,764,367 16,368 CDPHP Universal Benefits Inc CDPHP INC GRP 196, ,536,556 4,782 Celtic Ins Co CENTENE CORP GRP 10,907,277 2, Central Reserve Life Ins Co CIGNA HLTH GRP 7,735,438 1, Central Security Life Ins Co MAXIMUM CORP GRP 35, Central s H & L Co Of Omaha CENTRAL STATES GRP 15,898,774 4,740 5,404 1 Central s Ind Co Of Omaha BERKSHIRE HATHAWAY GRP 283, ,300,608 37,671 Central United Life Ins Co HARRIS INS HOLDINGS GRP 1,354, Christian Fidelity Life Ins Co AMERCO CORP GRP 42,035,159 11, , CICA Life Ins Co of Amer CITIZENS GRP Cigna Hlth & Life Ins Co CIGNA HLTH GRP 0 0 1,079,139 1,370 Cincinnati Equitable Life Ins Co CINCINNATI EQUITABLE CO GRP 65, Cincinnati Life Ins Co CINCINNATI FIN GRP 8, CMFG Life Ins Co CUNA MUT GRP 31,

200 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Colonial Life & Accident Ins Co UNUMPROVIDENT CORP GRP 13, Colonial Penn Life Ins Co CNO FINANCIAL GRP 119,677,013 51, ,156, ,809 Columbian Mut Life Ins Co COLUMBIAN LIFE GRP 748, ,989, Combined Ins Co Of Amer ACE LTD GRP 44,222,589 14,825 13,256,154 10,164 Community Ins Co ANTHEM INC GRP 83,893,401 28,879 37,327,811 22,175 Communitycare Life & Hlth Ins Co COMMUNITYCARE GRP 636, , Companion Life Ins Co BCBS OF SC GRP 387, , Compcare Hlth Serv Ins Corp ANTHEM INC GRP 448, Connecticut Gen Life Ins Co CIGNA HLTH GRP 1,815, , Conseco Life Ins Co WILTON RE GRP 2,173, Constitution Life Ins Co UNIVERSAL AMER FIN CORP GRP 44,687,380 11,541 2,012, Consumers Life Ins Co MEDICAL MUT OF OH GRP 700, ,292 0 Continental Gen Ins Co AMERICAN FINANCIAL GRP 48,622,248 14,488 6,686,610 3,366 Continental Life Ins Co Brentwood AETNA GRP 102,173,764 34, ,714, ,666 Country Life Ins Co COUNTRY INS & FIN SERV GRP 50,387,388 17,742 5,843,716 4,064 Coventry Hlth & Life Ins Co AETNA GRP 5,565,120 1, , CSA Fraternal Life , CSI Life Ins Co BERKSHIRE HATHAWAY GRP , Dean Hlth Plan Inc DEAN HLTH GRP 23,574,677 15,582 9,755,814 9,385 Educators Mut Ins Assoc EDUCATORS MUT GRP 3,023, ,193, Empire Healthchoice Assur Inc ANTHEM INC GRP 93,348,949 32,338 7,001,154 3,069 EPIC Life Ins Co WISCONSIN PHYSICIANS SERV INS GRP 29, , Equitable Life & Cas Ins Co ,887,469 10,159 58,556,870 40,745 Everence Assn Inc EVERENCE GRP 29,835,296 13,918 7,401,046 4,287 Excellus Hlth Plan Inc LIFETIME HLTHCARE GRP 26,050,072 9,996 8,997,817 4,118 Fallon Hlth & Life Assur Co FALLON GRP 0 0 4,362,492 1,

201 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Family Life Ins Co HARRIS INS HOLDINGS GRP ,042,753 24,066 Federal Life Ins Co , Federated Mut Ins Co FEDERATED MUT GRP 13, First Comm Hlth Plan Inc ,927,036 2,662 2,162,058 1,481 First United Amer Life Ins Co TORCHMARK CORP GRP 23,972,340 7,717 7,824,080 7,722 Forethought Life Ins Co GOLDMAN SACHS GRP 20,519,620 9,849 48,239,729 28,739 Geisinger Ind Ins Co GEISINGER INS GRP 0 0 4,127,274 1,963 Genworth Life & Ann Ins Co GENWORTH FIN GRP 48,501,655 15,836 10,816,412 4,879 Genworth Life Ins Co GENWORTH FIN GRP 2,736, , Gerber Life Ins Co NESTLE SA GRP 95,098,154 34,068 34,644,727 16,015 Globe Life & Accident Ins Co TORCHMARK CORP GRP 7,589,752 3,252 1,798,155 1,254 Golden Rule Ins Co UNITEDHEALTH GRP 28,034,165 10, Government Personnel Mut Life Ins Co GPM LIFE GRP 11,460,845 5,179 20,821,111 12,778 Great Amer Life Ins Co AMERICAN FINANCIAL GRP 6,455,033 2, Group Hlth Coop of Eau Claire , Group Hlth Coop of S Central WI ,521,099 1,227 Group Hlth Inc HIP INS GRP 5,765,949 1, , Group Hospitalization & Med Srvcs CAREFIRST INC GRP 13,186,993 4,355 6,805,914 4,773 Guarantee Trust Life Ins Co GUARANTEE TRUST GRP 14,372,356 3, Gundersen Hlth Plan Inc GUNDERSEN LUTHERAN HLTH GRP , Hartford Life & Accident Ins Co HARTFORD FIRE & CAS GRP 2,351, , Hartford Life & Ann Ins Co HARTFORD FIRE & CAS GRP Hartford Life Ins Co HARTFORD FIRE & CAS GRP 3,304,430 1, , Hawaii Medical Serv Assn , Health Alliance Medical Plans CARLE HOLDING CO GRP 2,956, ,770,186 1,323 Health Care Serv Corp A Mut Legal Re HCSC GRP 1,035,454, , ,039, ,

202 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Health First Ins Inc HEALTH FIRST GRP , Health Net Hlth Plan of OR Inc HEALTH NET INC GRP 5,492,794 3, Health Net Life Ins Co HEALTH NET INC GRP 21,748,400 7,929 24,323,549 11,643 Health Now NY Inc ,945,336 2, , Health Tradition Hlth Plan ,236,786 1, , Healthy Alliance Life Ins Co ANTHEM INC GRP 75,215,085 27,185 18,716,271 9,681 Heartland Natl Life Ins Co ,799,663 2,165 19,301,459 9,350 Highmark BCBSD Inc HIGHMARK GRP 7,030,781 2,490 3,570,126 2,162 Highmark Inc HIGHMARK GRP 244,517, ,136 35,623,488 25,105 Highmark West Virginia Inc HIGHMARK GRP 14,399,177 5,339 3,039,818 1,503 HMO dba Blue Plus BCBS OF MN GRP 413, Horizon Hlthcare Serv Inc BCBS OF NJ GRP 378,101 67, ,381 30,530 Horizon Ins Co BCBS OF NJ GRP 190,581,007 60,164 67,734,726 30,530 Hospital Serv Assn of NE PA HOSPITAL SERV ASSN OF NEPA GRP 32,355,378 21,004 2,501,652 2,714 HPHC Ins Co Inc HARVARD PILGRIM HLTH CARE GRP 14,840,995 7,482 44,794,648 24,459 Humana Benefit Plan of IL Inc HUMANA GRP Humana Hlth Benefit Plan of LA Inc HUMANA GRP 382, ,651,705 1,206 Humana Hlth Ins Co Of FL Inc HUMANA GRP 2,034, ,565,670 3,835 Humana Ins Co HUMANA GRP 78,338,594 32, ,767,204 83,151 Humana Ins Co Of KY HUMANA GRP 4,190,114 1,584 3,864,313 2,246 Humana Ins Co of NY HUMANA GRP 945, ,436,209 4,194 Humanadental Ins Co HUMANA GRP 0 0 1,267,366 1,517 IA Amer Life Ins Co INDUSTRIAL ALLIANCE GRP 112, Idealife Ins Co BERKSHIRE HATHAWAY GRP 1,634, Independence Hospital Ind Plan Inc INDEPENDENCE HLTH GRP INC GRP 46,608,254 38,216 11,588,645 9,502 Individual Assur Co Life Hlth & Acc ,

203 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Inter Cnty Hlth Plan Inc INDEPENDENCE HLTH GRP INC GRP 478,891 1, Inter Cty Hospitalization Plan Inc INDEPENDENCE HLTH GRP INC GRP 4,033,752 1, Investors Heritage Life Ins Co , Investors Life Ins Co N Amer FINANCIAL HOLDINGS GRP Jackson Natl Life Ins Co JACKSON NATL GRP 431, Jefferson Life Ins Co , Jefferson Natl Life Ins Co ,761, John Alden Life Ins Co ASSURANT INC GRP 395, Kanawha Ins Co HUMANA GRP 1,071, Kansas City Life Ins Co KANSAS CITY LIFE INS GRP 47, KPS Hlth Plans GROUP HLTH COOP GRP 2,795,288 1,026 72, Liberty Natl Life Ins Co TORCHMARK CORP GRP 1,736,748 1,061 1,247,393 1,059 LifeSecure Ins Co BCBS OF MI GRP 12, LifeWise Hlth Plan of OR Inc PREMERA BLUE CROSS GRP 3,797, , Lincoln Heritage Life Ins Co ,400,494 4, Lincoln Republic Ins Co AMERICAN ENTERPRISE MUT GRP 7, London Life Reins Co GREAT WEST GRP 2, Louisiana Hlth Serv & Ind Co LOUISIANA HLTH SERV GRP 78,802,013 30,740 27,581,568 13,279 Loyal Amer Life Ins Co CIGNA HLTH GRP 70,588,189 26,244 19,261,086 10,486 Loyal Christian Benefit Assn , Madison Natl Life Ins Co Inc GENEVE HOLDINGS INC GRP Manhattan Life Ins Co HARRIS INS HOLDINGS GRP ,221,042 20,546 Marquette Natl Life Ins Co UNIVERSAL AMER FIN CORP GRP 11,102,351 3,383 2,532, Medica Hlth Plans MEDICA GRP 527, Medical Hlth Insuring Corp of OH MEDICAL MUT OF OH GRP 39, Medical Mut Of OH MEDICAL MUT OF OH GRP 19,350,381 6,019 8,019,613 5,

204 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Medico Corp Life Ins Co AMERICAN ENTERPRISE MUT GRP 488, ,543,250 4,414 Medico Ins Co AMERICAN ENTERPRISE MUT GRP 39,329,532 13,628 37,066,923 20,184 Medisun Inc , Members Hlth Ins Co TENNESSEE RURAL HLTH GRP 0 0 1,480, MercyCare HMO Inc MERCY ALLIANCE INC GRP 569, , Metropolitan Life Ins Co METROPOLITAN GRP 3, Mid West Natl Life Ins Co Of TN HEALTHMARKETS GRP 34, Midwestern United Life Ins Co ING AMER INS HOLDING GRP 5, Motorists Commercial Mut Ins Co MOTORISTS MUT GRP 4, Mutual Of Omaha Ins Co MUTUAL OF OMAHA GRP 339,048,524 98, ,570, ,396 National Benefit Life Ins Co PRIMERICA GRP 7, National Cas Co NATIONWIDE CORP GRP 9, National Found Life Ins Co WESTBRIDGE CAPITAL GRP 98, National Guardian Life Ins Co NATIONAL GUARDIAN LIFE INS GRP National Hlth Ins Co AMTRUST NGH GRP 15, Nationwide Life Ins Co NATIONWIDE CORP GRP 9,413,781 2, New Era Life Ins Co NEW ERA LIFE GRP 55,423,353 23,311 34,705,496 21,843 New Era Life Ins Co Of Midwest NEW ERA LIFE GRP 25,483,275 12,426 24,950,549 15,482 New W Hlth Serv , , New York Life Ins Co NEW YORK LIFE GRP 2,869, Noridian Mut Ins Co ,831,748 27,395 13,454,313 9,012 North Amer Ins Co AMERCO CORP GRP 22,879,574 7, Old Amer Ins Co KANSAS CITY LIFE INS GRP 8, Old Surety Life Ins Co ,027,048 10,499 17,514,349 11,370 Omaha Ins Co MUTUAL OF OMAHA GRP ,994, ,687 Order of United Commercial Travelers ,716,787 19,664 1,071,

205 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Oxford Life Ins Co AMERCO CORP GRP 14,408,694 4,950 12,786,034 10,611 Pacificare Life & Hlth Ins Co UNITEDHEALTH GRP 13,335,524 4,881 24, Pacificsource Hlth Plans PACIFICSOURCE HLTH PLAN GRP , Paramount Ins Co VANGUARD HLTH VENTURES GRP 2,581, , Pekin Life Ins Co PEKIN INS GRP 16,481,931 6,240 6,338,266 3,932 Pennsylvania Life Ins Co CVS CAREMARK GRP 7,431,596 1, Philadelphia Amer Life Ins Co NEW ERA LIFE GRP 40,817,296 16,720 48,405,808 32,347 Physicians Benefits Trust Life Ins ISMIE GRP 1,142, , Physicians Life Ins Co PHYSICIANS MUT GRP 80,471,926 29, Physicians Mut Ins Co PHYSICIANS MUT GRP 109,962,213 33,781 61,592,356 39,795 Physicians Plus Ins Corp ,763,598 1, , Premera Blue Cross PREMERA BLUE CROSS GRP 62,010,870 24,246 28,722,314 15,855 Principal Life Ins Co PRINCIPAL FIN GRP 65,995,823 19, Priority Hlth SPECTRUM HLTH GRP ,662,158 8,014 Protective Life Ins Co PROTECTIVE LIFE INS GRP 13, Providence Hlth Plan PROVIDENCE HLTH GRP 1,054, Provident Amer Ins Co , Provident Amer Life & Hlth Ins Co CIGNA HLTH GRP 13,726,644 3, Prudential Ins Co Of Amer PRUDENTIAL OF AMER GRP 191, Puritan Life Ins Co of Amer ECG GRP 10,159,587 2, Pyramid Life Ins Co UNIVERSAL AMER FIN CORP GRP 18,046,285 4,724 7,144 2 Qualchoice Life & Hlth Ins Co Inc CATHOLIC HLTH INITIATIVES GRP , Regence BCBS of OR CAMBIA HEALTH SOLUTIONS INC 20,688,814 6,714 3,167,824 1,835 Regence BCBS of UT CAMBIA HEALTH SOLUTIONS INC 27,243,271 9,938 5,061,296 3,443 Regence BlueShield CAMBIA HEALTH SOLUTIONS INC 38,326,895 13,869 13,822,434 9,079 Regence Blueshield Of ID Inc CAMBIA HEALTH SOLUTIONS INC 11,987,970 4, ,

206 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Reliable Life Ins Co KEMPER CORP GRP Reliastar Life Ins Co ING AMER INS HOLDING GRP 7, Reserve Natl Ins Co KEMPER CORP GRP 30,550,056 8,918 7,813,269 7,897 Rocky Mountain Hlthcare Options Inc ROCKY MOUNTAIN HLTH GRP Rocky Mountain Hospital & Medical ANTHEM INC GRP 56,664,057 21,334 23,335,332 13,284 Royal Neighbors Of Amer ,179,004 10, , Ryder Hlth Plan Inc ,513,048 4, , Sagicor Life Ins Co , Sanford Hlth Plan SIOUX VALLEY GRP 3,304,989 1, , Sanford Hlth Plan of MN SIOUX VALLEY GRP 362, , Security Hlth Plan of WI Inc ,614,641 1, , Security Life Of Denver Ins Co ING AMER INS HOLDING GRP 4, Sentinel Security Life Ins Co ,845,533 11,982 11,723,031 5,003 Sentry Life Ins Co SENTRY INS GRP Shelter Life Ins Co SHELTER INS GRP 824, Shenandoah Life Ins Co RESERVOIR CAPITAL GRP 7,881,516 1,845 2, Sierra Hlth & Life Ins Co Inc UNITEDHEALTH GRP 16,049,452 5,299 98, Southwest Serv Life Ins Co CROY HALL MGMT GRP 536, SPJST , Standard Life & Accident Ins Co AMERICAN NATL FIN GRP 58,468,418 20,412 13,205,332 12,642 Standard Life & Cas Ins Co , Farm Mut Auto Ins Co STATE FARM GRP 224,021,453 80,769 43,989,968 24,789 Mut Ins Co ,498,370 2,890 1,296, Sterling Investors Life Ins Co PURITAN FINANCIAL CO GRP 13,299,186 3,159 6,385,992 2,575 Sterling Life Ins Co WELLCARE GRP 49,208,034 20,419 47,859,137 22,628 Stonebridge Life Ins Co AEGON US HOLDING GRP 1, ,717,597 51,

207 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives Summa Ins Co Inc SUMMA HLTH GRP , The Vt Hlth Plan LLC BCBS OF VT GRP 854, ,449,771 3,226 THP Ins Co HEALTH PLAN GRP ,831 4,412 Thrivent Financial For Lutherans THRIVENT FINANCIAL FOR LUTHERANS 57,698,221 19,996 12,406,275 7,331 Time Ins Co ASSURANT INC GRP 344, Transamerica Financial Life Ins Co AEGON US HOLDING GRP 11,939,764 4,241 2,176,660 1,005 Transamerica Life Ins Co AEGON US HOLDING GRP 89,561,137 34,964 21,642,037 13,107 Transamerica Premier Life Ins Co AEGON US HOLDING GRP 23,226,521 8, , Triple S Salud Inc TRIPLE S GRP ,452,330 22,155 Trustmark Ins Co TRUSTMARK INS CO GRP 221, Tufts Ins Co Inc TUFTS GRP ,829,035 12,672 UCare MN UCARE GRP 206, Unicare Life & Hlth Ins Co ANTHEM INC GRP 20,915,916 6, Unified Life Ins Co ,052,770 1, Union Fidelity Life Ins Co GENERAL ELECTRIC GRP 999, Union Labor Life Ins Co UNION LABOR GRP 581, United Amer Ins Co TORCHMARK CORP GRP 204,442,294 62,455 40,354,694 32,390 United Farm Family Life Ins Co INDIANA FARM BUREAU GRP 158, United Heritage Life Ins Co UNITED HERITAGE MUT GRP 6, United Hlthcare Ins Co Of NY UNITEDHEALTH GRP 531,407, , ,336, ,805 United Hlthcare of AL Inc UNITEDHEALTH GRP 1,787, , United Hlthcare of AZ Inc UNITEDHEALTH GRP 32, United Natl Life Ins Co Of Amer GUARANTEE TRUST GRP 5,598,357 2,293 2,389,202 1,167 United Of Omaha Life Ins Co MUTUAL OF OMAHA GRP 819,125, , ,187, ,598 United Security Assur Co Of PA , United Teacher Assoc Ins Co AMERICAN FINANCIAL GRP 49,703,746 13,

208 2014 MEDICARE SUPPLEMENT INSURANCE EXPERIENCE REPORTS INDEX OF COMPANIES Individual Company Code Group Code Group Name Prior Three Year Premiums Prior Current Current Three Year Three Year Three Year Covered Lives Premiums Covered Lives United World Life Ins Co MUTUAL OF OMAHA GRP 385,547, ,218 21,214,532 8,544 UnitedHealthcare Ins Co UNITEDHEALTH GRP 5,309,896,208 2,130,351 2,386,238,986 1,338,174 Unity Hlth Plans Ins Corp ,245, ,649, Universal Fidelity Life Ins Co ,087,216 1,170 4,035,164 3,234 Upmc Hlth Benefits Inc UPMC HLTH SYSTEM GRP 131, , US Hlth & Life Ins Co Inc , USAA Life Ins Co UNITED SERV AUTOMOBILE ASSN GRP 150,000,576 62,876 63,661,530 37,972 USAble Life ARKANSAS BCBS GRP 134, USAble Mut Ins Co ARKANSAS BCBS GRP 193,985,447 81,331 45,898,888 30,806 UTMB Hlth Plans Inc , Voya Retirement Ins & Ann Co ING AMER INS HOLDING GRP 23, Washington Natl Ins Co CNO FINANCIAL GRP 77,218,423 21, , Wellmark Inc WELLMARK INC GRP 243,352,220 89, ,292,074 66,518 Wellmark Of SD Inc WELLMARK INC GRP 45,228,824 16,201 10,534,891 6,646 Western Catholic Union , Wisconsin Physicians Serv Ins Corp WISCONSIN PHYSICIANS SERV INS GRP 86,158,871 27,286 30,206,176 15,308 WMI Mut Ins Co , , Woodmen World Assur Life Assn ,082,156 15,477 11,595,912 6,126 WPS Hlth Plan Inc WISCONSIN PHYSICIANS SERV INS GRP 343,

209 SAMPLE MEDICARE SUPPLEMENT INSURANCE EXHIBIT 203

210 204

211 NAIC Group Code MEDICARE SUPPLEMENT INSURANCE EXPERIENCE EXHIBIT For the Year Ended December 31, 2014 (To Be Filed by March 1) FOR THE STATE OF NAIC Company Code Affix Bar Code Above Address (City, and Zip Code) Person Completing This Exhibit Title Telephone Number Policies Issued Through 2011 Policies Issued in 2012, 2013, Incurred Claims Incurred Claims 18 Standardized Policy Number Number Compliance with OBRA Policy Form Number Medicare Supplement Benefit Plan Medicare Select Plan Characteristics Date Approved Date Approval Withdrawn Date Last Amended Date Closed ing Trade Name Premiums Amount Percent of Premiums of Covered Lives Premiums Amount Percent of Premiums of Covered Lives TOTAL EXPERIENCE ON INDIVIDUAL POLICIES TOTAL EXPERIENCE ON GROUP POLICIES GENERAL INTERROGATORIES 1. If response in Column 1 is no, give full and complete details Claims address and contact person provided to the Secretary of Health and Human Services as required by 42 U.S.C. 1395ss(c) (3) (E) for this state 2.1 Address: Contact Person and Phone Number: Billing address and contact person for user fees established under 41 U.S.C. 1395u(h) (3) (B). 3.1 Address: Contact Person and Phone Number: Explain any policies identified above as policy type O

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214 The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. NAIC members, together with the central resources of the NAIC, form the national system of state-based insurance regulation in the U.S. For more information, visit