+ Competitive Intelligence Guide: Senior Dental 3 rd Quarter 2012

Transcription

1 + Competitive Intelligence Guide: Senior Dental 3 rd Quarter 2012 Prepared by: Brynn Schmitz Brien Welch CSG Actuarial, LLC 6307 Center Street Omaha, NE info@csgactuarial.com

2 TABLE OF CONTENTS Section Exhibit Page Introduction 2 Company Data Overview 3 Company Data Table: Exhibit A 4 Product Benefit Comparisons Overview Product Benefit Table: Exhibit B 5 6 Underwriting Comparisons Overview 12 Underwriting Table: Exhibit C 13 Premium Rate Comparisons Overview 15 Premium Rate Tables: Exhibit D-1 16 Exhibit D-2 17 Exhibit D-3 18 Exhibit D-4 Exhibit D CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of Competitive Intelligence Guide: Senior Dental may not be shared outside the buyer s firm without permission from CSG Actuarial, LLC.

3 INTRODUCTION CSG Actuarial, LLC ( CSG ) has prepared this edition of Competitive Intelligence Guide: Senior Dental to provide our clients with a comprehensive overview of the Senior Dental marketplace. The guide contains information on the major companies actively marketing Senior Dental insurance, including company information, product benefit comparisons, underwriting data, and premium rate comparisons. The Senior Dental marketplace is a rapidly evolving market and having timely competitive intelligence can be a valuable tool. As the population continues to age, Senior Dental Insurance becomes more necessary. Between years 2008 and 2050 the aggregate population of year olds will dramatically increase 1, and as Medicare has no dental care coverage most will experience this severe shortfall firsthand. According to the Center for Diseases Control and Prevention s 2009 Health Survey on the U.S. population of 302 million 2 : The year old population will increase from 6% in 2007 to 9% by The 75 year old and older population will increase from 6% in 2007 to 11% in The percent of the senior population with a dental visit in the past year has risen 5.3% since 1997, with the largest increase being females 65 and over. Geographically, the average increase in senior population dental visits was 2.95% from 1997, with the largest increase in the Southern region at 6.3%. With nearly 30% of aging adults possessing untreated tooth decay and approximately 25% of year olds suffering from severe gum disease, dental insurance can save insured s from more serious conditions related to mouth bacterium including heart disease, stroke, and septicemia. 3 Insurance companies are recognizing a growing niche market in Senior Dental insurance. As the population ages, more insurance companies will enter the senior dental arena, and carriers, brokers, and agents need to be prepared with the latest competitive information. The benefits of this competitive intelligence report include shortening the product development timeline, identifying competitive advantages/disadvantages, and reducing marketing research costs. The report is entirely self-contained so that the user can conveniently access the information needed to make actionable decisions regarding their business. The information provided has been obtained from public sources and every attempt has been made to verify the accuracy of the data. However, CSG does not guarantee or warrant the accuracy of the information provided in this report. The report is updated quarterly so that the information is always up to date and still relevant. CSG is an actuarial consulting firm located in Omaha, NE that specializes in the individual life and health insurance markets. Please feel free to contact us if you have any questions about this report or suggestions to improve and enhance the content provided. 1 S e n i o r ' s O r a l H e a l t h C a r e : N o t h i n g t o S m i l e A b o u t. " A l l i a n c e f o r A g i n g R e s e a r c h. A l l i a n c e f o r A g i n g R e s e a r c h, W e b. 1 4 D e c < h t t p : / / w w w. a g i n g r e s e a r c h. o r g / c o n t e n t / a r t i c l e / d e t a i l / / >. 2 U n i t e d S t a t e d. H e a l t h, U n i t e d S t a t e s, : W i t h S p e c i a l F e a t u r e o n M e d i c a l T e c h n o l o g y. W a s h i n g t o n D. C. : U. S. G o v e r n m e n t P r i n t i n g O f f i c e, W e b. 1 4 D e c < h t t p : / / w w w. c d c. g o v / n c h s / d a t a / h u s / h u s 0 9. p d f # >. 3 S e n i o r ' s O r a l H e a l t h C a r e : N o t h i n g t o S m i l e A b o u t. " A l l i a n c e f o r A g i n g R e s e a r c h. A l l i a n c e f o r A g i n g R e s e a r c h, W e b. 1 4 D e c < h t t p : / / w w w. a g i n g r e s e a r c h. o r g / c o n t e n t / a r t i c l e / d e t a i l / / > CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of Competitive Intelligence Guide: Senior Dental may not be shared outside the buyer s firm without permission from CSG Actuarial, LLC. 2

4 COMPANY DATA The attached Exhibit A provides information on each company represented in CSG s Senior Dental competitive database. This includes contact information, AM Best ratings, and corporate structure. The user may find this information beneficial in evaluating the quality of the company relative to the specific product and rate information provided in the other sections of this report. This information was obtained from company websites and other public sources and may have changed since this report was compiled CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of Competitive Intelligence Guide: Senior Dental may not be shared outside the buyer s firm without permission from CSG Actuarial, LLC. 3

5 Exhibit A Company Information INSURANCE COMPANY CONTACT INFORMATION TYPE OF COMPANY (STOCK/MUTUAL/FRATERN AL) HOLDING COMPANY FINANCIALS - AM BEST RATING FINANCIALS - OUTLOOK Constitution Life Insurance Company 1001 Heathrow Park Lane Suite 5001 Lake Mary, FL Phone: Web: Stock- UAM Universal American Group B+ Stable Delta Dental Insurance Company 100 First Street San Francisco, CA Phone: Web: Nonprofit Dentegra Group AARP A- Stable Medico Insurance Company 1515 S 75th Street Omaha, NE Phone: Web: Mutual Holding Company Medico Mutual Holding Company B+ Stable Old Surety Life Insurance Company 5235 North Lincoln Boulevard Oklahoma City, OK Phone: Web: Privately Held Stock Company N/A Not Rated N/A Reserve National Insurance Company 601 E. Britton Road Oklahoma City, OK Phone: Web: Stock - UTR Kemper Corporation A- Negative Security Life Insurance Company of America Red Circle Drive Minnetonka, MN Phone: Web: Privately Held Security Life of America Group B++ Stable United Commercial Travelers of America Insurance Company 1801 Watermark Drive, Suite 100 Columbus, OH Phone: Web: Fraternal N/A B+ Negative Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 4

6 PRODUCT BENEFITS COMPARISON The attached Exhibit B provides information on each company s senior dental product represented in CSG s Senior Dental competitive database. Information regarding a product s benefit design, rating characteristics, and benefit triggers are all included. Exhibit B can help users compare each company s product with others in the market as well as identify competitive advantages and disadvantages of their own product line. Of note: Out of the four companies analyzed in this competitive intelligence report, three offer additional vision and hearing benefits with their Senior Dental policies. The information provided in Exhibit B is a summary of CSG Actuarial s Senior Dental database. The information does not provide state variations or specific detail on benefit limits and issue ages. Please contact CSG Actuarial, LLC to request a customized competitive intelligence report. This information was obtained from public sources and may have changed since this report was compiled CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of Competitive Intelligence Guide: Senior Dental may not be shared outside the buyer s firm without permission from CSG Actuarial, LLC. 5

7 Exhibit B Product Details Product Specifications Constitution Life Delta Dental Insurance Company Medico Old Surety Form Numbers CLDEN 09 DITX DVA DENTAL $1,500 -$6,000 Unlimited $1,000-$1,500 $1,000 Annual Benefit Annual Deductible $0 $0 $100 $100 N/A Based on a schedule of Co-Payments 60% first policy year, 70% second policy year, 80% third policy year and thereafter 60% first policy year, 70% second policy year, 80% third policy year and thereafter Benefits Actual Charge up to Annual Benefit Applicable Benefit %/Co-Payment Actual Charge up to Annual Benefit Actual Charge up to Annual Benefit Type Benefit Ages 63+ AARP Members and Dependents Eligibility Household Discount N/A N/A N/A Yes Choose your own Dentist Yes N/A Yes Yes Guaranteed Issue Yes Yes Yes N/A Guaranteed Renewable Yes Yes Yes Yes Routine exam Yes Yes Yes Yes Prophylaxis Yes Yes Yes Yes X-rays Yes Yes Yes Yes Fillings Yes Yes Yes Yes Yes Yes Yes- 12 month waiting period for full N/A mouth Simple Extractions Palliative Treatment Yes Yes N/A N/A Biopsies Yes N/A N/A N/A Yes Yes Yes- 12 month waiting period Yes Crowns Yes Yes Yes- 12 month waiting period Yes Dentures Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 6

8 Exhibit B Product Details Product Specifications Constitution Life Delta Dental Insurance Company Medico Old Surety DENTAL CONT. Bridges Yes Yes Yes- 12 month waiting period Yes Inlays Yes Yes N/A N/A Onlays Yes Yes N/A N/A Root Canal / Endodontics Yes Yes Yes- 12 month waiting period N/A Gum Disease Treatment Yes Yes N/A N/A Surgical Extractions Yes Yes Yes N/A Yes N/A Yes - For missing teeth on policy N/A issue date. 12 month waiting period. Impacted Teeth Yes Yes Yes - 12 month waiting period, Yes - outpatient only Oral Surgery outpatient only General Anesthesia / IV Sedation Yes N/A N/A N/A Denture Relines / Rebases Yes Yes Yes N/A Denture Adjustments Yes Yes Yes N/A Periodontal Surgery Yes Yes Yes- 12 month waiting period N/A Preventative Benefit 6-18 month waiting period on dental work depending on the type of medical procedure. N/A 12 month waiting period on fluoride treatments. After 3 months the policy will pay 100% of the cost of one dental cleaning up to $50 / year Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 7

9 Exhibit B Product Details Product Specifications Constitution Life Delta Dental Insurance Company Medico Old Surety VISION Basic eye exam N/A N/A Yes Yes Cost of eyeglasses N/A N/A Yes- 6 month waiting period Yes Cost of contact lenses N/A N/A Yes- 6 month waiting period Yes N/A N/A $200 in one policy year $150 in one policy year Maximum benefit Exclusions N/A N/A Benefits during first six months for existing eyeglasses or contact lenses including renewal or changing of prescriptions. Benefits during first policy year for existing eyeglasses or contact lenses including renewal or changing of prescriptions. HEARING Hearing exam N/A N/A Yes Yes Purchase of hearing aids N/A N/A Yes-12 month waiting period Yes Hearing aid repairs N/A N/A Yes Yes Exclusions N/A N/A Benefits during first policy year for all hearing aids. Benefits during first policy year for existing hearing aids. Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 8

10 Exhibit B Product Details Product Specifications Reserve National Insurance Company Security Life Insurance Company of America United Commercial Travelers of America Form Numbers DV-1 GH-1112 DVH DENTAL $1,000-$1,500 $500-$2,000 $750, $1,000, $1,500, $2,000 Annual Benefit Annual Deductible Benefits $100 $50 $0 or $100 60%-80% depending on benefit type. Optional waiver of deductible rider. 25% - 100% dependent on: Waiting Period, Graded Benefit 60% first policy year, 70% second policy year, 80% third policy year and 90% thereafter Applicable Benefit % up to Annual Benefit Actual Charge up to Annual Benefit Actual Charge up to Annual Benefit Benefit Type Eligibility Household Discount N/A N/A Yes Choose your own Dentist Yes Yes Yes Guaranteed Issue N/A Yes Yes Guaranteed Renewable Yes Yes Yes Routine exam Yes Yes Yes Prophylaxis Yes Yes Yes X-rays Yes Yes Yes Fillings Yes Yes Yes N/A Yes Yes - 12 month waiting period Simple Extractions Palliative Treatment N/A N/A N/A Biopsies N/A N/A N/A Yes Yes Yes - 12 month waiting period Crowns Yes Yes Yes - 12 month waiting period Dentures Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 9

11 Exhibit B Product Details Product Specifications Reserve National Insurance Company Security Life Insurance Company of America United Commercial Travelers of America DENTAL CONT. Bridges Yes Yes Yes - 12 month waiting period Inlays N/A N/A N/A Onlays Yes N/A N/A Root Canal / Endodontics Yes Yes Yes - 6 month waiting period Gum Disease Treatment N/A N/A N/A Surgical Extractions N/A N/A N/A N/A Yes - Straightening of teeth (orthodontic services). 24 month waiting period. Limited to children under 19 and only available on one level. Yes - For missing teeth on policy issue date. 12 month waiting period. Impacted Teeth N/A Yes Yes - outpatient only Oral Surgery General Anesthesia / IV Sedation N/A N/A N/A Denture Relines / Rebases Yes- 12 month waiting period Yes Yes Denture Adjustments Yes- 12 month waiting period Yes Yes Periodontal Surgery N/A Yes N/A Preventative Benefit Maximum benefit of $100 for each dental check 2 exams and 3 cleaning per year., includes fluoride After 3 months the policy will pay 100% of the cost of up, limited to two per year. Policy will pay 60%- treatments and sealants. one dental cleaning up to $75 / year 80% of covered services to maximum benefit amount for both dental and vision converage. Existing dental issues that need repair or replacement will not be covered until after 12 months Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 10

12 Exhibit B Product Details Product Specifications Reserve National Insurance Company Security Life Insurance Company of America United Commercial Travelers of America VISION Basic eye exam Yes N/A Yes Cost of eyeglasses Yes N/A Yes Cost of contact lenses Yes N/A Yes $100 in one policy year/$300 in 24 month period N/A $150 in one policy year for Lenses/Frames Maximum benefit Exclusions Benefits during first policy year for existing eyeglasses or contact lenses including renewal or changing of prescriptions. N/A Benefits during first six months for existing eyeglasses or contact lenses including renewal or changing of prescriptions. HEARING Hearing exam N/A N/A Yes Purchase of hearing aids N/A N/A Yes Hearing aid repairs N/A N/A Yes Exclusions N/A N/A Benefits during first policy year for existing hearing aids. Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 11

13 UNDERWRITING CRITERIA COMPARISON The attached Exhibit C provides an underwriting criteria comparison for each company represented in CSG s Senior Dental competitive database. This information was compiled from each company s application filed with the state insurance departments. The Exhibit C should be interpreted by reviewing each condition and the criteria used for declination. If the table is blank for any specific condition the company does not ask any application questions for that particular condition. The actual application question may vary by company and could be more or less restrictive given the actual wording of the question. In addition there may be slight variations in applications by state that are not reflected in the tables CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of Competitive Intelligence Guide: Senior Dental may not be shared outside the buyer s firm without permission from CSG Actuarial, LLC. 12

14 Exhibit C Underwriting Information Underwriting Criteria Constitution Life* Delta Dental Insurance Company* Medico Insurance Company* Currently wear dentures N/A N/A N/A Currently have a dental crown or bridge N/A N/A N/A Any dental work that is incomplete N/A N/A N/A Currently wear eyeglasses/contacts Advice/treatment for vision correction problem in past 9 months Currently wear a hearing aid Been treated for hearing loss in the past 9 months Physician recommended use of hearing aid Any hearing/dental/vision insurance currently inforce Is application intended to replace current policy Received a replacement form *This is a guaranteed issue policy. N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Yes N/A N/A Yes N/A N/A Yes Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. ReproducDon/redistribuDon strictly prohibited. 13

15 Exhibit C Underwriting Information Underwriting Criteria Old Surety Reserve National Insurance Company Security Life Insurance Company of America* United Commercial Travelers of America Currently wear dentures Yes Yes N/A Yes Currently have a dental crown or bridge N/A Yes N/A N/A Any dental work that is incomplete Yes Yes N/A Yes Currently wear eyeglasses/contacts Advice/treatment for vision correction problem in past 9 months Currently wear a hearing aid Been treated for hearing loss in the past 9 months Physician recommended use of hearing aid Any hearing/dental/vision insurance currently inforce Is application intended to replace current policy Received a replacement form *This is a guaranteed issue policy. Yes Yes N/A Yes Yes N/A N/A Yes Yes N/A N/A Yes Yes N/A N/A Yes Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes N/A Yes Yes N/A N/A Yes Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. ReproducDon/redistribuDon strictly prohibited. 14

16 PREMIUM RATE COMPARISON The attached Exhibit D provides a sample of premium rate comparisons for each company represented in CSG s Senior Dental competitive database. Each table displays the annual premiums for the lowest rating by gender, tobacco preference and underwriting classes. The rates are shown in variable age increments dependent on each company. Below is a summary of all the tables: Exhibit D-1: Exhibit D-2: Exhibit D-3: Exhibit D-4: Exhibit D-5: Constitution Life Delta Dental Insurance Company/Medico Insurance Company Old Surety Life Insurance Company/Reserve National Insurance Company Security Life Insurance Company of America United Commercial Travelers of America The tables represent the lowest available rate in each company by plan and rating variable. The rates shown do include any couples or household discounts, if applicable. Each of the companies in the study has slightly different benefit options and structures. Please refer to the attached Exhibit B for an analysis of the benefit options offered by each company CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of Competitive Intelligence Guide: Senior Dental may not be shared outside the buyer s firm without permission from CSG Actuarial, LLC. 15

17 Exhibit D-1 Constitution Life Insurance Company Rates Standard Plan: $1,500 Annual Maximum Benefit payable per policy year Monthly Premiums Annual Premiums Deductible Area A Area B Area C Deductible Area A Area B Area C $0.00 $17.50 $23.45 $29.45 $0.00 $ $ $ Enhanced Plan: $6,000 Annual Maximum Benefit payable per policy year Monthly Premiums Annual Premiums Deductible Area A Area B Area C Deductible Area A Area B Area C $0.00 $31.30 $41.80 $52.45 $0.00 $ $ $ Direct Bill Modes: Semi Annual: Annual: x.52 Credit Card Modes: Semi Annual: Annual: x.516, Monthly: Annual x.085 Area Factors State Zip Codes (first 3 Digits) Factor State Zip Codes (first 3 Digits) Factor Al All Zip Codes B MI 486, 493, 498 A AR All Zip Codes B All Other Zip Codes B AK All Zip Codes A MO , 641 B CA , , C All Other Zip Codes A 931, , C MS All Zip Codes A All Other Zips B NE All Zip Codes A FL 331 C NC All Zip Codes B 321, 323, , 346, 347 A OH , 436, 440, 441, B All Other Zip Codes B All Other Zip Codes A GA All Zip Codes B OK All Zip Codes A IL 612, 613, , 629 A OR All Zip Codes B All Other Zip Codes B SC All Zip Codes B IN B TN B All Other Zip Codes A All Other Zip Codes A IA All Zip Codes A TX , , 775- A KS 662 B All Other Zip Codes B All Other Zip Codes A VA C KY All Zip Codes A 239,242 A LA All Zip Codes A All Other Zip Codes B WI All Zip Codes B Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 16

18 Exhibit D-2 Delta Dental Insurance Company/Medico Insurance Company Rates Delta Dental Insurance Company California Rates Enrollee only (One Person) - $ Texas Rates Enrollee only (One Person) - $ Flordia Rates Enrollee only (One Person) - $ * $15.00 Dollar Application Fee Medico Insurance Company Monthly - EFT Annual - Direct Issue Age 1,000 Max 1,500 Max Issue Age 1,000 Max 1,500 Max $25.00 $ $ $ $27.00 $ $ $ $29.00 $ $ $ $31.00 $ $ $ $33.00 $ $ $ Quarterly - EFT Quarterly - Direct Issue Age 1,000 Max 1,500 Max Issue Age 1,000 Max 1,500 Max $75.00 $ $81.00 $ $81.00 $ $87.48 $ $87.00 $ $93.96 $ $93.00 $ $ $ $99.00 $ $ $ Semi-Annual - Direct Issue Age 1,000 Max 1,500 Max Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 17

19 Exhibit D-3 Old Surety Insurance Company/Reserve National Insurance Company Rates Old Surety Insurance Company Individual Rates Issue Age Annual Premium Quarterly Premium Monthly Premium 0-59 $ $78.75 $ $ $87.50 $29.17 Husband & Wife Rates Issue Age Annual Premium Quarterly Premium Monthly Premium $ $ $ Parent & Child(ren) Rates Issue Age Annual Premium Quarterly Premium Monthly Premium $ $ $ Parent & Child(ren) Rates Issue Age Annual Premium Quarterly Premium Monthly Premium $ $ $62.92 Reserve National Insurance Company $1000 Maximum Attained Age Regular Monthly Bank Draft Monthly Quarterly Semi-Annual Annual 0-18 $31.80 $29.25 $93.50 $ $ $31.80 $29.25 $93.50 $ $ $31.80 $29.25 $93.50 $ $ $1500 Maximum Attained Age Regular Monthly Bank Draft Monthly Quarterly Semi-Annual Annual 0-18 $39.75 $36.55 $ $ $ $39.75 $36.55 $ $ $ $39.75 $36.55 $ $ $ Optional Waiver Rider Attained Age Regular Monthly Bank Draft Monthly Quarterly Semi-Annual Annual 0-18 $5.45 $5.00 $16.00 $31.70 $ $5.45 $5.00 $16.00 $31.70 $ $5.45 $5.00 $16.00 $31.70 $60.15 Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 18

20 Exhibit D-4 Security Life Insurance Company Rates $1,000 Maximum Single Couple Plan 1: Waiting Period Area 1 Area 2 Area 3 Area 4 Area 5 Area 6 $49.75 $54.00 $59.75 $65.75 $72.50 $79.25 $98.75 $ $ $ $ $ Area 7 Area 8 $87.25 $96.00 $ $ $2,000 Maximum Single Couple $1,000 Maximum Single Couple $2,000 Maximum Single Couple Area 1 Area 2 Area 3 Area 4 Area 5 Area 6 $55.00 $60.50 $66.50 $73.00 $80.50 $88.25 $ $ $ $ $ $ Plan 2: Graded Benefit Area 1 Area 2 Area 3 Area 4 Area 5 Area 6 $39.25 $43.00 $47.25 $52.00 $57.25 $62.75 $78.50 $86.00 $94.25 $ $ $ Area 1 Area 2 Area 3 Area 4 Area 5 Area 6 $44.50 $48.50 $53.50 $58.75 $64.75 $71.00 $88.75 $97.50 $ $ $ $ Area 7 Area 8 $96.75 $ $ $ Area 7 Area 8 $69.00 $76.00 $ $ Area 7 Area 8 $78.00 $86.00 $ $ **Area Rating Factors as follows: State Zip CodRating te Zip CodeRating State Zip Co Rating State Zip Code Rating State Zip CoRating State Zip Code Rating AL O All LA others 1 NV All other 4 SC 1 WV MA 5 NJ 4 TN All othe 1 All others MI NM All oth 1 All others 2 AK DE TX WI 1 All others 6 DC All other WY 1 AZ GA All othe 1 NC , MN All othe 1 All others All oth 2 AR 1 HI All other 1 UT 1 CA ID 1 All othe 1 ND VA IL MS All other All othe 1 OH All others 1 MO OK IN All other All othe 1 OR All others 1 MT IA All other KS All othe 3 PA All oth All others 1 NE WA KY 1 NV LA All other All othe RI 3 All oth 5 Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 19

21 Exhibit D-5 United Commercial Travelers of America Insurance Company Rates $750 Annual Maximum $0 Deductible $100 Deductible Issue Age Annual Monthly EFT Monthly EFT w/hh Disc. Annual Monthly EFT Monthly EFT w/hh Disc $1000 Annual Maximum $0 Deductible $100 Deductible Issue Age Annual Monthly EFT Monthly EFT w/hh Disc. Annual Monthly EFT Monthly EFT w/hh Disc $1500 Annual Maximum $0 Deductible $100 Deductible Issue Age Annual Monthly EFT Monthly EFT w/hh Disc. Annual Monthly EFT Monthly EFT w/hh Disc $2000 Annual Maximum $0 Deductible $100 Deductible Issue Age Annual Monthly EFT Monthly EFT w/hh Disc. Annual Monthly EFT Monthly EFT w/hh Disc Model Factors *Annual Dues = $18.00 (included in above pricing) Semi - Annual Quarterly Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown. All rights reserved. Reproduction/redistribution strictly prohibited. 20