2009 Medicare Supplement Premium Comparison Guide

Transcription

1 State of Illinois Pat Quinn, Governor Department of Insurance Michael T. McRaith, Director 2009 Medicare Supplement Premium Comparison Guide Because the Best Choice is an Educated Choice Please Note: Medigap Protection for People on Medicare Under Age 65! Read more about this recently enacted consumer protection law on page 3.

2 When reproducing information contained in this publication, rate information for each area must be reproduced in its entirety. Premium rates in this guide are divided into three regions as listed below: Medicare supplement premiums for the Chicago area begin on page 17 in the blue section. Cook Kane McHenry DuPage Lake Will Medicare supplement premiums for the Northern/Central area begin on page 31 in the red section. Adams Boone Brown Bureau Carroll Cass Champaign Christian Clark Coles Cumberland DeKalb DeWitt Douglas Edgar Ford Fulton Grundy Hancock Henderson Henry Iroquois Jo Daviess Kankakee Kendall Knox LaSalle Lee Livingston Logan Macon Macoupin Marshall Mason McDonough McLean Menard Mercer Montgomery Morgan Moultrie Ogle Peoria Piatt Pike Putnam Rock Island Sangamon Schuyler Scott Shelby Stark Stephenson Tazewell Vermilion Warren Whiteside Winnebago Woodford Medicare supplement premiums for the Southern area begin on page 45 in the green section. Alexander Bond Calhoun Clay Clinton Crawford Edwards Effingham Fayette Franklin Gallatin Greene Hamilton Hardin Jackson Jasper Jefferson Jersey Johnson Lawrence Madison Marion Massac Monroe Perry Pope Pulaski Randolph Richland Saline St. Clair Union Wabash Washington Wayne White Williamson This publication has been created or produced by Illinois SHIP with financial assistance, in whole or in part, through a grant from the Centers for Medicare & Medicaid Services, the federal Medicare agency.

3 Important Numbers to Remember Senior Health Insurance Program (SHIP) Free Medicare counseling SHIP TDD Number For hearing-impaired individuals Social Security Administration Medicare eligibility and enrollment Medicare (1-800-MEDICARE) Medicare claims, appeals, drug plan information Illinois Department on Aging, Senior Helpline Illinois Cares Rx and information and referral services Comprehensive Health Insurance Plan (CHIP) Insurance coverage for people who can t get insurance Office of Consumer Health Insurance (OCHI) Information and referral services for the uninsured Healthcare & Family Services/Health Benefits Hotline IL Cares Rx and Medicaid questions This Guide is updated annually. There may be companies offering Medicare supplement plans not included on this list because their plan was approved after the Guide was printed. Companies may also be listed that have ceased offering Medicare supplement plans after the Guide was printed. This Guide can also be viewed in its most current form and printed from the Illinois Department of Insurance website The website may have more current premiums than those listed in this Guide.

4 Table of Contents How to Use this Guide 2 Definition of Terms and Special Provisions 3 Additional Options for People on Medicare 4 Medicare Supplement Benefits for Plans A-L 6 Core Benefits of Plans K and L 7 Explanation of Medicare Supplement Benefits 8 Company Complaint and Financial Ratings 9 Medicare Supplement Rights and Guarantees 10 Explanation of Terms Used in Premium Charts 12 Premium Calculation Methods 13 Medicare Select 14 Medicare Supplement High-Deductible Option 15 Chicago Area Medicare Supplement Premium Charts 17 Northern/Central Area Medicare Supplement Premium Charts 31 Southern Area Medicare Supplement Premium Charts 45 Regional Rate Charts for Medicare Select Plans 59 Regional Rate Charts for High-Deductible Plans 66

5 How to Use this Guide This Guide has been prepared to assist you in making an informed decision about purchasing a Medicare supplement insurance policy, sometimes referred to as medigap. The 12 Medicare supplement plans currently available, Plan A through Plan L, are identical from company to company, so comparison for price is important! Not all insurance companies sell all 12 plans. The chart on page 6 lists the benefits offered under each plan. In addition to the regular Medicare supplement plans A through L, plans F and J are also available as High-Deductible plans (see page 15). Additionally, you may have the option of choosing a Medicare Select plan, which is explained on page 14. Please note that medigap policies must be clearly identified as Medicare supplement insurance and that the company cannot include any additional benefits other than those outlined on page 8. Each rate chart lists the insurance companies licensed to sell those specific insurance plans in Illinois, the approximate amount they charge by age for your area, and other important information about each plan. Medigap companies are prohibited from selling new medigap policies with prescription drug benefits because of Medicare s prescription drug coverage, Medicare Part D. The Medicare Part D coverage is provided through private insurance companies and Medicare Advantage plans offering prescription drugs. The premiums listed in this Guide were approved and are on file with the Illinois Department of Insurance. These premiums were effective as of March 2009, but may change during the year. You can also contact the company for accurate premium information specific to your situation. Licensed insurance companies that sell only to groups and not individuals may not be included in this guide. Please take time to read the valuable information printed in this shopping guide. If you have any questions about this Guide, Medicare supplement insurance in general or Medicare prescription drug plans, you may contact the Illinois Department of Insurance, Senior Health Insurance Program (SHIP) at ; TDD number (217) ; or SHIP at FPR.SHIP@illinois.gov. 2

6 Definition of Terms and Special Provisions 30-Day Free Look: After you receive a Medicare supplement policy, you get a 30-day free look period during which you can review the policy, cancel if you choose and get a full refund of premium. If you wish to cancel, it is recommended you return the policy directly to the company (not the insurance agent) by certified mail return receipt requested. Guaranteed Renewability: All 12 standardized Medicare supplement plans are guaranteed renewable for life. This means that the company cannot individually cancel your policy unless you do not pay the premiums or you falsify information on your application. Creditable Coverage: Certain types of previous health insurance coverage that can be used to shorten or eliminate a pre-existing condition waiting period under a medigap policy. You cannot have more than a 63 day break in coverage between the previous health insurance coverage and your Medicare coverage. Standardized Coverage: Medigap policies sold in Illinois after 1992, and entitled Plans A through L, are identical in coverage from company to company. Open Enrollment Period: Effective June 1, 2008, people under the age of 65 on Medicare due to a disability have the same Open Enrollment rights as people 65 and older. Anyone going onto Medicare Part B for the first time has six months from the date your Part B coverage takes effect to shop for a Medicare supplement policy. During the open enrollment period, you cannot be refused coverage due to your age or any medical condition you may have. Unless you have prior creditable insurance coverage (see definition above), the company may impose a waiting period for coverage of pre-existing conditions for up to six months, but it cannot refuse to sell you a plan if you apply within your open enrollment period. PLEASE NOTE: If you are under 65 and receive notification of your Medicare Part B eligibility retroactively, your six month Open Enrollment Period starts on the date you receive that notification. Information for the Disabled Turning 65: If you are under age 65 and currently on Medicare because of a disability, when you turn 65 you will be eligible for another six month Medicare supplement open enrollment period due to age. This will give you the opportunity to purchase a medigap policy based on the age of 65, which may reduce your monthly premium. 3

7 Additional Options for People on Medicare Individuals on Medicare can apply for coverage under a Medicare Advantage plan as an alternative to traditional Medicare. These types of Medicare health plans must accept anyone who applies for coverage, with the exception of most people who have End Stage Renal Disease (kidney failure). Four types of Medicare Advantage plans are available to some or all Illinois residents who have Medicare, depending on where they live. Medicare Advantage Plans cover Parts A&B of Medicare and may offer Part D prescription drug coverage as well. Persons who have their Medicare contracted through a Medicare Advantage plan do not need a Medicare Supplement Policy. The four types of Medicare Advantage Plans are as follows: Health Maintenance Organizations (HMOs) are only available in certain zip code areas and counties. HMOs utilize a network of providers, doctors and hospitals, who have contracted with the HMO to provide services to their members. In order to utilize specialists, a referral must be arranged through a primary care physician. If you use an out-of-network provider, no payment will be made by the HMO or Medicare. Exception: HMOs with a Cost Contract may cover services of non-network providers at a higher cost to you. Preferred Provider Organizations (PPOs) are only available in certain counties in Illinois. PPOs may allow members to seek services outside of the PPO network and they may charge higher co-payments for these benefits. Private Fee-For-Service (PFFS) plans are available in all areas of the state and differ from HMOs and PPOs in that they do not utilize a network of contracted providers. People in a PFFS may obtain services from any provider that accepts the plan s terms and conditions. Contact your providers before purchasing a PFFS plan to see if they will accept this type of insurance. If the provider does not agree to accept the plan, the beneficiary is responsible for all charges associated with the service. Medical Savings Accounts (MSAs) are trust accounts into which Medicare makes periodic deposits to be used for health care costs. Individuals must purchase a high deductible health insurance that pays for Medicare approved benefits after the deductible is met. 4

8 Special Needs Plans (SNPs) are plans which focus on individuals with special needs. Special Needs Plans may target enrollment to one or more special needs identified as: 1) institutionalized; 2) dual eligible; and/or 3) individuals with severe or disabling chronic condition(s). To inquire whether Medicare Advantage plans are available in your area or to obtain additional information about these plans, call the Illinois Department of Insurance at A list of the plans available in Illinois can be found in the back of your current Medicare & You Handbook. The Comprehensive Health Insurance Plan (CHIP) may be another option for persons on Medicare due to a disability who are unable to get a medigap policy from other sources. CHIP is funded by premiums paid by the member and the state to provide insurance coverage for Illinoisans who are medically uninsurable. CHIP s Plan 2 offers Medicare secondary coverage to people under age 65 on Medicare, but it does not conform to the 12 standardized plans discussed in this publication and will not pay any expense that Medicare has already paid. Now that Medicare covers prescription drugs, you must join a Medicare prescription drug plan in order to get insurance coverage for most drug expenses. For more information about Medicare prescription drug plans, call SHIP at To receive more information about CHIP, visit on the web or call or TTY

9 Medicare Supplement Benefits for Plans A-L This chart indicates the benefits included in each of the twelve standardized Medicare supplement plans. Note that Plans A J have one set of core benefits and Plans K and L have a different set of core benefits. Core Benefits for Plans A J include: All Part A coinsurance expenses for: - $267 per day for 61st through 90th day; - $534 per day for 91st through 150th day; Upon exhaustion of Part A hospitalization benefits, full coverage of an additional 365 days per lifetime; Part B coinsurance or copayment; and First three pints of blood each calendar year. Benefits Included Core Benefits Skilled Nursing Coinsurance Part A Deductible Part B Deductible Part B Excess (100%) Part B Excess (80%) Foreign Travel Emergency At Home Recovery Preventive Care Plan A Plan B Plan C Plan D Plan E Plan F Plan G Plan H Plan I Plan J Plan K Plan L * * (50% (50%) (75%) (75%) *Core benefits for Plan K and L are the same as listed above with the exception of 50% (Plan K) and 75% (Plan L) payment for the Part A deductible, Part B coinsurance, the blood deductible, hospice care coinsurance and Skilled Nursing Facility coinsurance. Refer to the next page. Note: New H, I & J plans sold after January 1, 2006 do not include drug coverage. 6

10 Core Benefits for Plans K and L: Medigap Plan K Medicare Part A Coinsurance and Hospital Benefits: Days (100%) Medigap Plan L Medicare Part A Coinsurance and Hospital Benefits: Days (100%) Medicare Part A Deductible (50%) Medicare Part A Deductible (75%) Medicare Part B Coinsurance or Copayment (50%) Medicare Part B Coinsurance or Copayment (75%) Blood Deductible (50%) Blood Deductible (75%) Hospice Care Coinsurance or Copayment (50%) Medicare-covered Preventive Care Coinsurance (100% of the Medicareapproved amount) Hospice Care Coinsurance or Copayment (75%) Medicare-covered Preventive Care Coinsurance (100% of the Medicareapproved amount) Skilled Nursing Facility Coinsurance (50%) Skilled Nursing Facility Coinsurance (75%) Medigap Plans K and L provide for different cost-sharing amounts for items and services than Medigap Plans A J. You will have to pay some out-of-pocket costs for some covered services until you meet the yearly limit (Plan K is $4,620 and Plan L is $2,310 in 2009). After the out-of-pocket limit is reached, the medigap policy will cover 100% of Medicare Part A and B coinsurance amounts for the remainder of the calendar year. Charges from your doctor that exceed Medicare-approved amounts, called excess charges, are not covered and do not count toward the out-of-pocket limit. You will have to pay these excess charges. 7

11 Explanation of Medicare Supplement Benefits Part A Deductible (Found in Plans B through L) Pays the $1068 Medicare Part A inpatient hospital deductible in each benefit period. Skilled Nursing Coinsurance (Found in Plans C through L) Pays the $133.50/day coinsurance amount for days in each benefit period. Must be in a Medicare certified Skilled Nursing Facility. Part B Deductible (Found in Plans C, F and J) Pays the $135 Medicare Part B deductible each calendar year. The Part B deductible only applies to Medicare approved charges. Foreign Travel Emergency (Found in Plans C through J) Pays 80% of actual charges for medically necessary emergency care received in a foreign country. The following restrictions apply: Expenses must be incurred during the first 60 days of the trip; $250 calendar year deductible; Lifetime maximum of $50,000. At Home Recovery (Found in Plans D, G, I and J) Pays for at home assistance with activities such as bathing, dressing, personal hygiene, etc. The following restrictions apply: Must be used while you are receiving Medicare approved Home Health Care or up to eight weeks after the last Medicare approved Home Health visit; $1,600 calendar year maximum. At Home Recovery visits are limited to: four hours in duration; maximum of seven visits per week; $40 per visit; same number of At Home Recovery visits as Medicare-approved Home Health visits. 8

12 Preventive Care (Found in Plans E, J, K and L) Pays for the following routine services not approved by Medicare: Routine physical exams; Hearing screening test administered or ordered by a physician; Serum cholesterol screening (every five years); Diabetes screening; Thyroid function test; and Other tests determined appropriate by the attending physician. $120 limit per calendar year. Part B Excess (Found in Plans F, G, I and J) Pays for the difference between the Medicare approved amount and the doctor s actual charge up to 15% over the Medicare approved amount. Plans F, I and J pay 100% of these excess charges. Plan G pays 80% of these excess charges. Prescription Drugs are no longer available under medigap plans unless you retained an H, I or J policy issued prior to January 1, Medicare now provides prescription drug coverage through private insurance companies via stand-alone prescription drug plans (PDPs) or through Medicare Advantage plans offering a prescription drug benefit (MAPDs). Further Information Available Although the Illinois Department of Insurance does not rate the financial condition of insurance companies, SHIP can give you additional information from other rating organizations on insurance companies that may help you decide where to buy insurance. Once you have narrowed your choices to two or three companies, you may call SHIP at to obtain each company s rating. Ratings provide information on a company s stability in the marketplace, as well as their financial standing. Independent rating services conduct this research. The Illinois Insurance Facts entitled Finding a Reputable Insurance Company-Using Financial Rating Agencies posted on the Department of Insurance website lists five of the independent rating services, their phone numbers and website addresses. 9

13 Medicare Supplement Rights and Guarantees In addition to the six month open enrollment period described on page 3, federal law requires that Medicare supplement and Medicare Select standardized plans A, B, C, F, K and L be guaranteed issue, without preexisting condition exclusions, in the following situations: you have Medicare and an employer group health plan (either primary or secondary to Medicare) that terminates or ceases to provide all such supplemental health benefits. If your employer plan is secondary to Medicare and you elect to disenroll, you have no guaranteed issue rights; or you are enrolled in a Medicare Advantage plan, which includes a Health Maintenance Organization (HMO), a Preferred Provider Organization (PPO), a Private Fee For-Service (PFFS) or Medicare Select plan and move out of the plan s service area, or the insurer goes out of business, withdraws from the market, has its Medicare contract terminated, or the plan reduces its service area, violates its contract provisions or is misrepresented in its marketing; or you are insured by a Medicare supplement plan and the insurer goes out of business, withdraws from the market, or the insurance company or agents misrepresent the plan. If you are covered under a Medicare supplement plan and discontinue that plan to enroll in a Medicare Advantage or Medicare Select plan, you have some specific guarantees. If you decide to return to the traditional Medicare program before the end of the first twelve months of your first enrollment in the Medicare Advantage or Medicare Select plan, you have the right to return to your original Medicare supplement plan, if it is still available from that insurer. If it is not available, you may select a Medicare supplement plan A, B, C, F, K or L from any company you choose. In either case, you would have no pre-existing condition waiting period. Some special guarantees are extended to you if you enroll in a Medicare Advantage plan when you first become eligible for Medicare Part A and enroll in Part B at or after age 65. If you disenroll or are terminated from the HMO, PPO, or PFFS within the first 12 months of your enrollment, you are guaranteed to get any Medicare supplement policy from any company selling Medicare supplement plans. Again, no pre-existing condition waiting period would apply. 10

14 Note: With all of the guarantees mentioned, application for a Medicare supplement policy must be made within 63 days of disenrollment for the guarantees to be valid. Additionally, the company cannot charge more for these guaranteed issue policies, or exclude benefits due to health reasons. If you are enrolled in a Medicare Advantage or Medicare Select plan, are moving out of the plan s service area and returning to the traditional Medicare program, you can notify the plan up to 60 days prior to the termination date you will disenroll from the plan. You can then apply for a Medicare supplement plan A, B, C, F, K or L during those 60 days prior to the termination date to have your Medicare supplement policy effective the first day you are returned to traditional Medicare. As long as you apply for your Medicare supplement policy within the period of 60 days prior to and 63 days after your termination date from the Plan, it will be guaranteed issue. You will have no pre-existing condition waiting period. If you become entitled to benefits under Medicaid, you have the right to suspend your Medicare supplement policy for up to 24 months; meaning that the policy cannot be cancelled and you cannot be charged a premium during the suspension period. If you become ineligible for Medicaid benefits during this 24 month period and therefore need your Medicare supplement policy again, as long as you notify your insurer within 90 days of the date of your Medicaid ineligibility, your Medicare supplement policy must be reinstated without penalty and you will not have a pre-existing waiting period. You can also suspend your Medicare supplement policy if you have insurance coverage with an employer-sponsored group health plan due to your employment or that of your spouse (or parents in the case of a disabled person). There is no limit to the amount of time your Medicare supplement policy can be suspended. 11

15 Explanation of Terms Used in the Premium Charts Guaranteed Issue: If the words Guaranteed Issue appear in the lefthand column under the insurance company name and telephone number, then at least one of the plans sold by the company will be issued regardless of health, once you are outside your open enrollment period. To determine the Guaranteed Issue option for under 65 Medicare disabled beneficiaries, you will need to contact the company directly. The specific qualifications of the guarantee option benefit will be explained by the company. Pre X Wait Column (PX): This column indicates the number of months you must wait for your insurance plan to pay benefits for a pre-existing condition. However, if you are replacing an existing Medicare supplement plan, or if you had at least six months of continuous health care insurance and purchase your Medicare supplement plan within 63 days of the termination date of your previous policy, the new company must cover you for all pre-existing conditions without any waiting period. Policy Fee Column (PF): The amount that the company charges a onetime fee for reviewing and processing your application for insurance coverage. Claims X Over Column (XO): If there is a Y in this column, the insurance company has signed a crossover agreement with the Illinois Medicare Carrier to electronically receive Part B claims from Medicare. This automatic process means you do not have to send your Medicare Part B claims through the mail to your Medicare supplement company. An N indicates that claims do not cross-over. IMPORTANT: If there is no dollar amount listed under a certain plan for a particular company, it means that the company is not marketing that plan. Also, the premiums listed in this Guide were approved and in effect with the Department of Insurance in March 2009 and may change during the year. This Guide can be accessed through the Department of Insurance website at You can also contact the insurance company to obtain the most up-to-date premium information. 12

16 Premium Calculation Methods The rates quoted in this Guide are for male non-smokers in specific regions of the state by zip code. Rates may vary depending on gender and the city in which you live. Rates listed are those in effect with the Department of Insurance in March For persons under 65 who become eligible to purchase a medigap policy, companies may not charge a rate higher than the highest rate on the company s current rate schedule filed with the Illinois Department of Insurance. The rates contained in this guide are provided for general guidance. The actual rates for individuals under age 65 may vary from the highest rate in this guide. Please contact the company directly to get the actual rates. Premium Calculation Methods: Insurance companies use three different methods of pricing policies based on age. Issue Age: Your premium will always be based on your age at the time you purchased the plan. Any increases will be due to higher medical costs or higher than expected claim costs for the entire class of policyholders you are in. Your premium will not increase just because you are growing older. An asterisk * by the company name indicates the company uses the issue age method. Attained Age: Your premium will increase as you grow older. Additional increases due to higher medical costs or higher than expected claim costs are also possible. For example, if you buy a policy at age 65, when you turn 70, you will pay whatever the company is charging for a person 70 years old. However, any rate increase that occurs must apply to the entire class of policyholders in which you are categorized, not just to you as an individual. No asterisk (*) by the company name indicates the company uses the attained age method. No Age Rating: The premium for a specific policy is the same for everyone over the age of 65, regardless of their age. A pound symbol (#) indicates the company uses the no age rating method. 13

17 Rates: If you apply for a Medicare supplement policy after the open enrollment period has expired, some companies may charge a higher rate for smokers. This Guide has three separate charts within the Chicago, Northern/Central and Southern areas. The premium charts for each area are divided in the following manner: Medicare supplement plans; Medicare Select plans; and High-Deductible Medicare supplement plans. Medicare Select Medicare Select is another type of Medicare supplement policy. Medicare Select companies have the right to require you to use specific hospitals and doctors. However, Medicare Select plans currently available in Illinois only require you to use specific hospitals for inpatient stays. This requirement does not apply in the case of an emergency. It is important to call the company to find out if they have a Medicare Select plan available in your area and that your preferred hospital is included before you decide to purchase this type of Medicare Select policy. Medicare Select plans must be one of the 12 A L standardized plans. If you do not follow the Medicare Select provisions, Medicare will pay its portion, but the Medicare Select company is not required to pay your inpatient hospital deductible or copayments. Please review your plan for specific guidelines. Because these restrictions control costs for inpatient hospital stays, a company s Medicare Select premiums will be lower than that same company s standardized Medicare supplement premiums. If you have had a Medicare Select policy for at least 6 months and then cancel it, you will have the right to buy a standardized Medicare supplement policy from the same company with comparable or lesser benefits regardless of your health status. Also, depending on your health status and the company s underwriting standards, you may be able to purchase a Medicare supplement plan with greater benefits. Medicare Select plans available in the Chicago area begin on page 60, Northern/Central rates are on page 62, and you may turn to page 64 for Medicare Select plans in Southern Illinois. 14

18 Medicare Supplement High-Deductible Option Another variation of a Medicare supplement policy available to you is a highdeductible option on plans F and J. Generally, the premium for a high-deductible plan F or J will be lower than that company s same Medicare supplement plan without the higher deductible. The benefits for these high-deductible plans F and J are identical to any other plan F or J. The only difference is that the plan will not pay benefits until you have met the deductible (the amount you must pay out of your pocket) for that calendar year. The deductible for 2009 is $2,000. This deductible is adjusted each year to reflect the change in the Consumer Price Index. In addition to the $2,000 deductible for plans F and J, there is also a separate $250 per year deductible for the foreign travel emergency benefit in plans F and J. Medicare supplement high-deductible plans can be found on page 67 for the Chicago area, page 70 for the Northern/Central area, and page 73 for the Southern Illinois area. 15

19 Regional Rate Charts for Standardized Medicare Supplement Plans Chicago area rates begin on page 17. Northern/Central area rates begin on page 31. Southern area rates begin on page

20 # Chicago Area (AARP) UNITED HEALTHCARE INSURANCE under 65 1,872 2,812 3,541 3,312 3,321 3,559 3,330 3,271 3,303 3,663 1,620 2, ,313 1,653 1,546 1,550 1,661 1,554 1,527 1,541 1, , ,373 2,063 2,597 2,429 2,435 2,610 2,442 2,399 2,422 2,686 1,188 1,660 3 $0 Y 800/ Guaranteed Issue 85 1,373 2,063 2,597 2,429 2,435 2,610 2,442 2,399 2,422 2,686 1,188 1,660 ADMIRAL LIFE INSURANCE under 65 2,274 2,866 3,101 2,893 2,918 3,138 2, ,189 1,498 1,706 1,513 1,526 1,771 1,523 no website available 75 1,738 2,189 2,422 2,210 2,230 2,479 2,226 0 $20 Y 800/ ,040 2,570 2,804 2,597 2,618 2,846 2,615 AMERICAN CONTINENTAL INSURANCE under 65 2,275 2,868 2,897 3,142 3, ,314 1,656 1,670 1,924 1, ,739 2,190 2,213 2,480 2,542 3 $20 Y 800/ ,042 2,573 2,598 2,849 2,917 AMERICAN REPUBLIC CORP INSURANCE under 65 3,600 4, ,660 2, ,407 2,967 0 $0 Y 888/ ,150 3,882 17

21 Chicago Area AMERICAN REPUBLIC INSURANCE under 65 4,022 3, ,849 1, ,502 2,426 0 $0 Y 800/ ,049 3,309 ASSURED LIFE ASSOCIATION under 65 2,734 4,122 4,651 4,580 4,555 4, ,472 1,673 1,966 1,775 1,983 1, ,046 2,391 2,729 2,545 2,750 2,475 6 $25 Y 800/ ,339 3,135 3,527 3,371 3,514 3,277 BANKERS FIDELITY LIFE INSURANCE under ,852 2,731 2,210 1,457 2,910 1,689 1,588 * ,366 1,963 1,552 1,047 2,256 1,213 1, ,653 2,437 1,940 1,300 2,631 1,507 1,417 0 $0 Y 866/ ,852 2,731 2,210 1,457 2,910 1,689 1,588 BANKERS LIFE AND CASUALTY under 65 4,296 3,989 4,439 3,256 4,615 3,080 3,201 3,981 1,874 2, ,732 2,287 2,523 1,764 2,589 1,703 1,689 2, , ,625 3,263 3,606 2,604 3,742 2,518 2,573 3,193 1,503 2,000 0 $0 N 800/ ,296 3,989 4,439 3,256 4,615 3,080 3,201 3, ,494 18

22 Chicago Area (BLUE CROSS/BLUE SHIELD OF ILLINOIS)-HEALTH CARE SERVICE CORP under 65 1,548 2,628 2,952 2,832 2,904 3,060 1,548 2, ,428 1,788 1,524 1,572 1, , ,368 2,292 2,712 2,448 2,532 2,892 1,476 2,088 0 $0 Y 800/ Guaranteed Issue 85 1,548 2,628 2,952 2,832 2,904 3,060 1,548 2,208 CENTRAL RESERVE LIFE INSURANCE under 65 5,262 6,550 5,138 4,127 6,063 5,177 3,019 4,070 3, ,457 4,298 3,372 2,725 3,983 3,400 1,992 2,673 2, ,461 5,543 4,348 3,499 5,135 4,380 2,559 3,441 3,220 6 $25 Y 877/ ,262 6,550 5,138 4,127 6,063 5,177 3,019 4,070 3,801 COMBINED INSURANCE OF AMERICA under 65 2,941 3,812 4,430 2,980 4,603 5,023 * 65 1,913 2,493 2,897 2,009 2,990 1, ,409 3,129 3,637 2,622 3,774 2,999 0 $0 Y 800/ (Note: Plan G is attained age rated) 85 2,941 3,812 4,430 N/A 4,603 3,732 CONSECO INSURANCE under 65 2,872 3,172 3,563 3,176 3, ,599 1,767 2,163 1,768 1, ,138 2,363 2,729 2,366 2,694 0 $15 Y 800/ ,872 3,172 3,563 3,176 3,517 19

23 Chicago Area CONSTITUTION LIFE INSURANCE under 65 2,713 3,752 4,482 3,999 4, ,437 1,902 2,375 2,008 2, ,014 2,718 3,299 2,881 3,294 6 $25 Y 800/ ,365 3,292 3,969 3,512 3,960 CONTINENTAL GENERAL INSURANCE under 65 8,094 6,977 7,436 6,062 5,781 7,297 5,902 4,196 5, ,029 3,472 3,704 3,020 2,880 3,636 2,936 2,273 2, ,624 4,842 5,162 4,209 4,014 5,065 4,097 2,919 3,673 0 $25 Y 877/ ,640 5,722 6,101 4,972 4,742 5,987 4,841 3,444 4,337 CONTINENTAL LIFE INSURANCE OF BRENTWOOD, TN under 65 3,769 4,898 5,803 4,447 4,514 5,857 4, ,077 2,681 3,328 2,210 2,480 3,367 2, ,727 3,595 4,360 3,060 3,331 4,403 3,091 3 $20 Y 800/ ,159 4,325 5,191 3,935 4,009 5,239 3,974 COUNTRY LIFE INSURANCE under 65 2,160 4,026 3,298 4, ,704 1,387 1, ,326 2,682 2,190 2,708 0 $0 Y 866/ ,868 3,460 2,826 3,495 20

24 Chicago Area CSA FRATERNAL LIFE under 65 2,486 3,366 3, ,258 1,858 1, ,684 2,345 2,119 6 $35 Y 877/ ,261 3,062 2,845 EQUITABLE LIFE AND CASUALTY INSURANCE under 65 3,068 3,042 3,783 3,606 3,564 4,050 3,850 3,130 3,636 3,869 2, ,725 2,096 2,416 2,181 2,272 2,620 2,339 1,760 2,205 2,174 1,420 See 800/ ,299 2,858 3,430 3,214 3,252 3,733 3,412 2,346 3,240 2,897 1,892 0 Note Y Note: No Policy Fee for Plans B, C, D, E, F, G, & I. $20 Policy Fee for Plans A, H, J & L. GENWORTH LIFE INSURANCE 85 2,764 3,042 3,783 3,606 3,564 4,050 3,850 2,819 3,636 3,484 2,273 under 65 2,392 2,997 3,465 3,030 3,046 3,571 3, ,315 1,583 1,907 1,587 1,596 1,965 1, ,805 2,216 2,603 2,232 2,244 2,682 2,288 0 $0 Y 888/ ,088 2,643 3,088 2,678 2,692 3,178 2,743 GLOBE LIFE AND ACCIDENT INSURANCE under 65 1,267 2,020 2,414 2, ,393 1,585 1, ,262 1,999 2,291 2,306 2 $0 Y 800/ ,267 2,020 2,414 2,433 21

25 Chicago Area GOLDEN RULE INSURANCE under 65 3,366 5,005 3,909 3, ,901 3,125 2,441 2, ,504 3,724 2,909 2,937 6 $0 N 800/ ,366 5,005 3,909 3,946 GREAT AMERICAN LIFE INSURANCE under 65 2,619 3,031 3,511 3,218 3,547 3, ,326 1,560 1,939 1,629 1,958 1, ,774 2,066 2,447 2,180 2,471 2,227 6 $25 Y 800/ ,382 2,757 3,194 2,927 3,227 2,990 GUARANTEE TRUST LIFE INSURANCE under 65 2,216 3,989 6,060 3,955 5,380 3, ,262 2,512 3,814 2,484 3,369 1, ,708 3,373 5,133 3,346 4,558 2,671 0 $20 N 800/ ,216 3,989 6,060 3,955 5,380 3,152 HEALTH ALLIANCE MEDICAL PLANS under 65 2,574 4,690 4, ,485 2,488 2, ,218 3,901 4,024 0 $0 Y 800/ Guaranteed Issue 85 2,574 4,690 4,640 22

26 Chicago Area HUMANA INSURANCE under 65 2,400 2,532 2,940 2, ,572 1,656 1,932 1, ,028 2,136 2,472 2,496 3 $0 Y non-members: 800/ members: 800/ ,400 2,532 2,940 2,952 KSKJ LIFE INSURANCE under 65 2,103 2,559 2,928 2,683 2,693 2,946 2, ,089 1,325 1,505 1,389 1,394 1,569 1, ,539 1,871 2,161 1,962 1,969 2,206 1,972 0 $25 Y 866/ ,901 2,312 2,676 2,424 2,433 2,698 2,437 LINCOLN HERITAGE LIFE INSURANCE under 65 3,927 4,884 6,133 5,529 6, ,262 2,701 3,523 3,033 3, ,964 3,610 4,607 4,074 4,748 0 $20 Y 800/ ,430 4,305 5,464 4,889 5,627 LOYAL AMERICAN LIFE INSURANCE under 65 2,443 3,755 4,169 4,196 4,086 3,994 3,041 3,104 3, ,379 1,599 1,850 1,705 1,865 1,624 1,562 1,593 1, ,829 2,180 2,446 2,332 2,466 2,222 2,090 2,131 2,279 6 $25 Y 800/ ,090 2,856 3,161 3,089 3,151 2,942 2,645 2,700 2,805 23

27 * * Chicago Area MEDICO INSURANCE under 65 1,919 2,889 3, ,134 1,492 1, ,493 2,025 2,169 0 $0 Y 800/ ,804 2,581 2,726 MENNONITE MUTUAL AID ASSOCIATION under 65 1,497 3,089 2,414 2,738 1, ,244 1,715 1,752 2,046 1, / ,462 2,291 2,198 2,513 1,547 0 $0 Y (Note: Policies are available only to persons eligible for membership in the Association, which is a fraternal benefit society.) 85 1,497 2,632 2,414 2,738 1,744 MUTUAL OF OMAHA INSURANCE under 65 2,480 3,012 3, ,562 1,897 1, ,154 2,615 2,750 0 $0 Y 800/ ,480 3,012 3,167 NATIONAL STATES INSURANCE under 65 2,976 4,114 2,485 3,993 2, ,894 2,640 1,373 2,539 1, / ,195 3,060 1,879 2,942 2,034 0 $0 Y (Note: Plans D and J are attained age rated and there is a $25 fee for Plan J) 85 2,976 4,114 2,237 3,993 2,417 24

28 Chicago Area ORDER OF UNITED COMMERCIAL under 65 2,099 2,716 2,826 2,643 2,790 TRAVELERS OF AMERICA (THE) 65 1,096 1,420 1,558 1,382 1, ,603 2,075 2,232 2,019 2,204 0 $0 Y 800/ ,883 2,439 2,563 2,373 2,531 PACIFICARE LIFE AND HEALTH INSURANCE under 65 2,491 3,375 3,391 3,223 3, ,463 2,009 2,009 1,806 1, ,202 2,797 2,877 2,582 2,821 0 $0 Y 800/ ,491 3,375 3,391 3,223 3,325 PEKIN LIFE INSURANCE under 65 1,822 3,757 3, ,869 1, ,342 2,640 2,639 0 $0 Y 800/ ,822 3,757 3,743 PENNSYLVANIA LIFE INSURANCE under 65 1,886 2,661 2,907 2,799 3,140 3, ,256 1,707 1,921 1,781 2,075 1, ,721 2,390 2,621 2,504 2,832 2,753 6 $25 Y 800/ ,991 2,851 3,108 3,006 3,357 3,254 25

29 Chicago Area PHILADELPHIA AMERICAN LIFE INSURANCE under 65 1,866 2,221 3,004 2,279 3, ,049 1,369 1,570 1,405 1, ,179 1,505 1,767 1,544 1,822 0 $20 Y 877/ ,623 1,968 2,583 2,019 2,661 PHYSICIANS LIFE INSURANCE under 65 2,077 3,398 4,189 3, ,403 1,598 1,940 1, ,748 2,110 2,666 2,402 0 $0 Y 800/ ,948 2,613 3,426 3,086 Note: Physicians Life Ins. Co. also offers a Plan F which has "additional innovative benefits". The Plan F with additional innovative benefits is as follows: Age Under 65 = 2,932; Age 65 = 1,358; Age 75 = 1,866; Age 85 = 2,398. PROVIDENT AMERICAN LIFE & HEALTH INSURANCE under 65 3,789 4,138 4,598 3,256 2,960 3,564 3, ,302 2,514 2,793 2,138 1,954 2,339 2, ,213 3,503 3,893 2,753 2,508 3,013 3,156 6 $25 Y 877/ ,789 4,138 4,598 3,256 2,960 3,564 3,727 PYRAMID LIFE INSURANCE under 65 3,722 3,892 3,644 4,621 4, ,558 2,582 2,109 3,094 2, ,510 3,592 3,209 4,289 3,707 6 $0 Y 800/ ,872 4,139 4,004 4,873 4,281 26

30 Chicago Area RESERVE NATIONAL LIFE INSURANCE under 65 1,679 3,164 2,915 2,461 2, ,075 2,095 1,819 1,200 1, ,430 2,714 2,485 1,806 2,477 6 $15 Y 800/ ,777 3,326 3,077 2,461 3,054 ROYAL NEIGHBORS OF AMERICA under 65 2,366 2,735 3,126 2,774 2,787 3,694 2, ,454 1,616 1,917 1,626 1,635 2,266 1, ,802 2,042 2,371 2,062 2,074 2,803 1,904 0 $20 Y 866/ ,050 2,396 2,768 2,434 2,448 3,268 2,247 SHENANDOAH LIFE INSURANCE under 65 2,405 3,031 3,280 3,061 3,089 3,320 3, ,390 1,750 1,969 1,768 1,783 2,034 1, ,837 2,316 2,562 2,339 2,359 2,623 2,393 0 $25 Y 800/ ,159 2,720 2,968 2,748 2,771 3,012 2,809 STANDARD LIFE AND ACCIDENT INSURANCE under 65 3,257 4,084 4,699 3,778 3,570 4,727 3, ,961 2,459 2,829 2,275 2,149 2,846 2, ,377 2,981 3,429 2,757 2,606 3,450 2,771 0 $20 Y 888/ ,257 4,084 4,699 3,778 3,570 4,727 3,797 27

31 Chicago Area STATE FARM MUTUAL AUTOMOBILE INSURANCE under 65 2,033 3,066 3, ,189 1,793 1, ,735 2,617 2,644 0 $0 Y 866/ ,033 3,066 3,096 STATE MUTUAL INSURANCE under 65 5,178 6,047 7,017 6,720 6, ,856 3,174 3,895 3,504 3,830 no website available 75 3,895 4,445 5,268 4,938 5,186 0 $20 Y 800/ ,515 5,346 6,274 5,944 6,167 STERLING INVESTORS LIFE INSURANCE under 65 3,191 3,482 4,026 3,520 3,538 4,146 3, ,786 1,950 2,339 1,954 1,964 2,408 2, ,358 2,576 3,023 2,593 2,606 3,114 2,660 0 $20 Y 800/ ,814 3,071 3,586 3,112 3,126 3,691 3,189 STERLING LIFE INSURANCE under 65 2,662 3,347 3,952 3,966 2,955 1, ,998 2,393 2,649 2,661 1,907 1, ,517 3,093 3,508 3,522 2,594 1,516 0 $0 Y 800/ ,662 3,347 3,952 3,966 2,955 1,681 28

32 Chicago Area THRIVENT FINANCIAL FOR LUTHERANS under 65 2,254 2,663 3,448 2,881 3,461 3,895 3,972 2, ,337 1,580 2,047 1,711 2,056 2,848 2,906 1, ,744 2,062 2,671 2,232 2,678 3,379 3,444 1,648 0 $0 Y 800/ ,093 2,476 3,208 2,680 3,218 3,748 3,822 1,979 (Note: plans H and I are issue age rated *) UNICARE HEALTH INSURANCE OF THE MIDWEST under 65 2,100 3,216 4,596 3,720 4, ,464 2,148 2,580 2,316 2, ,920 2,892 4,188 3,276 4,236 0 $0 Y 800/ ,100 3,216 4,596 3,720 4,620 UNITED AMERICAN INSURANCE under 65 1,920 2,949 3,721 3,614 3,197 3,552 2,003 2, ,783 2,037 2,432 2,327 2,787 3,082 1,266 1, / ,920 2,923 3,526 3,415 3,144 3,491 1,881 2,646 2 $0 Y (Note: Plans A, F, and G are issue age rated *) 85 1,920 2,949 3,721 3,614 3,197 3,552 2,003 2,814 UNITED OF OMAHA LIFE INSURANCE under 65 1,605 2,326 1, ,309 1, ,365 1,979 1,682 0 $0 Y 877/ ,579 2,289 1,945 29

33 Chicago Area UNITED TEACHER ASSOCIATES INSURANCE under 65 3,608 4,735 5,701 4,851 5,623 4,867 4,099 4,126 4, ,231 2,681 3,060 2,545 3,020 2,554 2,150 2,165 2, ,989 3,644 4,192 3,498 4,137 3,511 2,955 2,986 3,536 6 $25 Y 800/ ,414 4,285 4,989 4,207 4,923 4,220 3,554 3,577 4,236 UNITED WORLD LIFE INSURANCE under 65 1,367 1,676 2,481 2, ,034 1,268 1,876 1, ,367 1,676 2,481 2,074 0 $0 Y 877/ ,601 1,962 2,904 2,427 USAA LIFE INSURANCE under 65 1,462 2,427 2,513 2, ,361 1,408 1, ,142 1,898 1,963 1,933 0 $0 Y 800/ ,462 2,427 2,513 2,476 WORLD CORP INSURANCE under 65 3,092 3,926 1, ,426 1, ,068 2,713 1,047 0 $0 Y 800/ ,706 3,431 1,369 30

34 # Northern & Central Area (AARP) UNITED HEALTHCARE INSURANCE under 65 1,872 2,812 3,541 3,312 3,321 3,559 3,330 3,271 3,303 3,663 1,620 2, ,313 1,653 1,546 1,550 1,661 1,554 1,527 1,541 1, , ,373 2,063 2,597 2,429 2,435 2,610 2,442 2,399 2,422 2,686 1,188 1,660 3 $0 Y 800/ Guaranteed Issue 85 1,373 2,063 2,597 2,429 2,435 2,610 2,442 2,399 2,422 2,686 1,188 1,660 ADMIRAL LIFE INSURANCE under 65 1,895 2,388 2,584 2,411 2,432 2,615 2, ,248 1,422 1,261 1,272 1,476 1,269 no website available 75 1,448 1,824 2,018 1,842 1,858 2,066 1,855 0 $20 Y 800/ ,700 2,142 2,337 2,164 2,182 2,372 2,179 AMERICAN CONTINENTAL INSURANCE under 65 1,801 2,271 2,293 2,487 2, ,040 1,311 1,322 1,523 1, ,377 1,734 1,752 1,964 2,012 3 $20 Y 800/ ,617 2,037 2,057 2,255 2,309 AMERICAN REPUBLIC CORP INSURANCE under 65 2,694 3, ,242 1, ,801 2,220 0 $0 Y 888/ ,357 2,905 31

35 Northern & Central Area AMERICAN REPUBLIC INSURANCE under 65 3,016 2, ,387 1, ,876 1,819 0 $0 Y 800/ ,287 2,482 ASSURED LIFE ASSOCIATION under 65 2,236 3,372 3,805 3,747 3,727 3, ,205 1,369 1,609 1,452 1,622 1, ,674 1,957 2,233 2,083 2,251 2,025 6 $25 Y 800/ ,913 2,565 2,885 2,759 2,875 2,681 BANKERS FIDELITY LIFE INSURANCE under ,543 2,274 1,840 1,311 2,424 1,519 1,429 * ,137 1,633 1, ,880 1,092 1, ,378 2,030 1,616 1,170 2,191 1,356 1,275 0 $0 Y 866/ ,543 2,274 1,840 1,311 2,424 1,519 1,429 BANKERS LIFE AND CASUALTY under 65 4,296 3,989 4,439 3,256 4,615 3,080 3,201 3,981 1,874 2, ,732 2,287 2,523 1,764 2,589 1,703 1,689 2, , ,625 3,263 3,606 2,604 3,742 2,518 2,573 3,193 1,503 2,000 0 $0 N 800/ ,296 3,989 4,439 3,256 4,615 3,080 3,201 3,981 1,874 2,494 32

36 Northern & Central Area (BLUE CROSS/BLUE SHIELD OF ILLINOIS)-HEALTH CARE SERVICE CORP under 65 1,334 2,208 2,592 2,460 2,544 2,676 1,368 1, ,236 1,548 1,332 1,404 1, , ,176 1,920 2,400 2,148 2,232 2,520 1,284 1,812 0 $0 Y 800/ Guaranteed Issue 85 1,344 2,208 2,592 2,460 2,544 2,676 1,368 1,932 CENTRAL RESERVE LIFE INSURANCE under 65 3,947 4,913 3,853 3,095 4,547 3,882 2,264 3,052 2, ,593 3,224 2,529 2,043 2,987 2,550 1,494 2,005 1, ,346 4,158 3,261 2,624 3,851 3,285 1,919 2,581 2,415 6 $25 Y 877/ ,947 4,913 3,853 3,095 4,547 3,882 2,264 3,052 2,851 COMBINED INSURANCE OF AMERICA under 65 2,558 3,242 3,852 2,591 4,003 4,368 * 65 1,664 2,121 2,519 1,747 2,600 1, ,094 2,662 3,163 2,280 3,282 2,608 0 $0 Y 800/ (Note: Plan G is attained age rated) 85 2,558 3,242 3,852 N/A 4,003 4,368 CONSECO INSURANCE under 65 2,470 2,728 3,064 2,732 3, ,375 1,519 1,861 1,521 1, ,839 2,032 2,347 2,035 2,317 0 $15 Y 800/ ,470 2,728 3,064 2,732 3,025 33

37 Northern & Central Area CONSTITUTION LIFE INSURANCE under 65 2,442 3,377 4,034 3,599 4, ,293 1,712 2,138 1,807 2, ,813 2,446 2,969 2,593 2,964 6 $25 Y 800/ ,129 2,963 3,572 3,161 3,564 CONTINENTAL GENERAL INSURANCE under 65 6,070 5,232 5,577 4,546 4,336 5,473 4,426 3,147 3, ,022 2,604 2,778 2,265 2,160 2,727 2,202 1,705 2, ,218 3,632 3,871 3,157 3,010 3,799 3,073 2,189 2,755 0 $25 Y 877/ ,980 4,292 4,576 3,729 3,556 4,490 3,631 2,583 3,253 CONTINENTAL LIFE INSURANCE OF BRENTWOOD, TN under 65 2,899 3,768 4,464 3,421 3,472 4,505 3, ,598 2,062 2,560 1,700 1,908 2,590 1, ,098 2,765 3,354 2,354 2,562 3,387 2,378 3 $20 Y 800/ ,430 3,327 3,993 3,027 3,084 4,030 3,057 COUNTRY LIFE INSURANCE under 65 1,878 3,501 2,868 3, ,482 1,205 1, ,153 2,332 1,904 2,355 0 $0 Y 866/ ,624 3,009 2,457 3,039 34

38 Northern & Central Area CSA FRATERNAL LIFE under 65 1,921 2,601 2, ,436 1, ,301 1,812 1,637 6 $35 Y 877/ ,748 2,366 2,198 EQUITABLE LIFE AND CASUALTY INSURANCE under 65 1,908 2,229 2,770 2,643 2,611 2,965 2,819 1,948 2,662 2,405 1, ,073 1,536 1,769 1,598 1,664 1,920 1,713 1,095 1,615 1, See 800/ ,432 2,094 2,512 2,353 2,382 2,734 2,501 1,459 2,374 1,803 1,179 0 Note Y Note: No Policy Fee for Plans B, C, D, E, F, G, & I. $20 Policy Fee for Plans A, H, J & L. GENWORTH LIFE INSURANCE 85 1,719 2,229 2,770 2,643 2,611 2,965 2,819 1,755 2,662 2,168 1,416 under 65 2,140 2,682 3,101 2,711 2,726 3,195 2, ,177 1,417 1,706 1,420 1,428 1,758 1, ,615 1,983 2,329 1,997 2,008 2,400 2,047 0 $0 Y 888/ ,868 2,365 2,763 2,396 2,409 2,844 2,454 GLOBE LIFE AND ACCIDENT INSURANCE under 65 1,267 2,020 2,414 2, ,393 1,585 1, ,262 1,999 2,291 2,306 2 $0 Y 800/ ,267 2,020 2,414 2,433 35

39 Northern & Central Area GOLDEN RULE INSURANCE under 65 2,468 3,670 2,867 2, ,394 2,292 1,790 1, ,837 2,731 2,133 2,153 6 $0 N 800/ ,468 3,670 2,867 2,894 GREAT AMERICAN LIFE INSURANCE under 65 2,023 2,342 2,713 2,486 2,740 2, ,025 1,205 1,498 1,259 1,513 1, ,371 1,596 1,891 1,684 1,910 1,721 6 $25 Y 800/ ,841 2,130 2,468 2,262 2,493 2,311 GUARANTEE TRUST LIFE INSURANCE under 65 1,916 3,792 5,751 3,753 5,106 2, ,091 2,173 3,292 2,147 2,910 1, ,477 2,919 4,431 2,892 3,937 2,307 0 $20 N 800/ ,916 3,792 5,751 3,753 5,106 2,994 HEALTH ALLIANCE MEDICAL PLANS under 65 1,941 3,175 3, ,128 1,684 1, ,683 2,647 2,722 0 $0 Y 800/ Guaranteed Issue 85 1,941 3,175 3,140 36

40 Northern & Central Area HUMANA INSURANCE under 65 1,800 1,908 2,208 2, ,188 1,248 1,452 1, ,524 1,608 1,860 1,872 3 $0 Y non-members: 800/ members: 800/ ,800 1,908 2,208 2,220 KSKJ LIFE INSURANCE under 65 1,646 2,003 2,291 2,100 2,108 2,306 2, ,037 1,178 1,087 1,091 1,228 1, ,204 1,464 1,691 1,535 1,541 1,726 1,544 0 $25 Y 866/ ,488 1,809 2,094 1,897 1,904 2,111 1,907 LINCOLN HERITAGE LIFE INSURANCE under 65 3,307 4,113 5,165 4,656 5, ,905 2,274 2,966 2,554 3, ,496 3,040 3,879 3,430 3,998 0 $20 Y 800/ ,888 3,626 4,602 4,117 4,738 LOYAL AMERICAN LIFE INSURANCE under 65 2,004 3,076 3,454 3,436 3,267 3,272 2,350 2,398 2, ,129 1,309 1,531 1,394 1,491 1,329 1,207 1,231 1, ,500 1,784 2,027 1,910 1,972 1,820 1,615 1,647 1,761 6 $25 Y 800/ ,714 2,339 2,619 2,529 2,521 2,409 2,044 2,086 2,167 37