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Indian River County Group Life and LTD RFP-2014034 Employee Optional Life Proposal Review Standard Insurance - Company Current Standard Insurance Plan Company Symetra Mutual of Omaha Minnesota Life Florida Combined CIGNA Hartford 10K to 500K in 10K 10K to SOOK In 10K Increments not to Increments not to 10K to 500K in 10K 10K to 500K in 10K 10K to SOOK in 10K exceed 1OX Annual ' exceed 10X Annual 10K to SOOK in 10K 10K to 500K in 10K 10K to 500K in 10K i Life Amount 1 Increments I",Eterx'ef It farnmgt ) Incremenu ri+[rern+ s tn�r r, nit�, Annual Benefit Increase Without $10,000 Up to the Evidence of Guaranteed Issue Insurabilty None None None Limit None None None None Age Reductions 5091 at age 70 50%at age 70 50%at age 70 50%at age 70 50%ata a 70 50%at age 70 50%at age 70 50%at age 70 $150,000Inc Including 150,0 O Including 150,000Including $i50,0001nduding $150,000 Including Grandfathered Grandfathered Grandfathered Grandfathered Grandfathered Guaranteed Issue Optional Amount(if Optional Amount(if Optional Amount(if Optional Amount(if Optional Amount(if $150,000 Up To Age Limit any) any) any) any) any) 69 $150,000 $_150,000 Conversion Yes Yes Yes Yes Yes - Yes Yes Yes Portability Yes Yes Yes Yes Yes Yes Yes Yes - -- 75%to$525,000 75%to$525,000 (applies to all (applies to all 7S%to$250,000 If Living Benefit coverages) coverages) 75% 75%to$375,000 100% Under Age 70 75%to$525,000 B0%to$500,000 Suicide Exclusion Yes-2 Year Lookback Yes-2 Year Lookback Yes-2 Year Lookback 1 Yes-2 Year Lookback Yes-2 Year Lookback Yes-1 Year Lookback Yes-2 Year Luokback Yes-2 Year Lookback 1 If Under Age 6S then If Under Age 65 then If Under Age 65 then It Linder Age 65 then If Under Age 65 then If Under Age 60 then If Under Age 60 then If Under Age 60 then Waiver of Premium_ To Age 70 To Age 70 To Age 70 To Age 70 To Age 70 To A e 65 To Age 70 To Age 70 Death Benfit Matches Death Benfit Matches Death Benfit Matches Death Benfit Matches Death Benfit Matches Death Benfit Matches Death Benfit Matches Life Amount+ Seat LifeAmount+ Seat LifeAmount+ Seat LifeAmount+ Seat LifeAmount+Seat LifeAmount+Seat LifeAmount+ Seat Belt Benefit;Higher Belt Benefit;Higher Belt Benefit;Higher Belt Benefit;Higher Belt Benefit;Higher Belt Benefit;Higher Belt Benefit;Higher Education Benefit; Education Benefit; Education Benefit; Education Benefit; Education Benefit; Education Benefit; Education Benefit; Child Care Benefit; Child Care Benefit; Child Care Benefit; Child Care Benefit; Child Care Benefit; Child Care Benefit; , Child Care Benefit; Career Education Career Education Career Education Career Education Career Education Career Education Career Education !Death Benfit Matches AD&D Benefit Benefit Benefit Benefit Benefit Benefit Benefit Life Amount Rates Per 1,000 <25 $ 0.030 $ ____ 0.030 i $ 0.030 I_$ 0.0301 $ _ 0.030 $ 0.050 $ 0.030 $ 0.030 25-29 _ $ 0.040 $ 0.040 $ 0.040! $ 0.0401 $ 0.040 $ 0.050 $ _ 0.046 $ _ 0.040 30-34 $ 0.050 $ 0.0sol $ 0.050: 5 0.050 $ 0.050 $ 0.060 $ 0.050 $ 0.050 35-39 $ 0.0801 $ 0.080 $ 0.080 $ 0.080 $ 0.080 $ _,- 0.090 $ 0.080 $ 0.080 40-44 $ 0._130; $_ 0.130 $ 0.130 -$ 0.130 $ 0.130 $ 0.150 $ 0.130 $ 0.130 45-49 5 0.230 $ 0.230 $ 0.230 $ _ 0.230 $ 0.230 $ 0.260 $ 0.230 $ 0.230 50-54 $ 0.380 $ 0.380 $ 0.380 $ 0.380 $ 0.380 $ 0.440 $ 0.380 $ 0.380 55-59 $ 0.680 $ 0.680 $ 0.680 $ 0.680 $ 0.680 $ 0.7501 $ 0.680 $ 0.680 60-64 $ 0.730 $ 0.730 $ 0.730 $ 0.730 $ _0.730 $ 0.840 $ 0.730!' $ 0.730 65-69 $ 1.270 $ 1.270 $ 1.270 $ 1.270 $ 1.270 $ 1-460 $ 1.270 $ 1.270 70-74 $ 2.270_ $ 2.270 5 2.27ol $ Z.270 I $ 2.270 $ 2.610 $ - 2.2701 $ _ 2.270 75+ $ -8.700 $ 8.7001 $ 8.700 $ 8.700! $ 8.700 $ 10-010 $ 8.700 $ 8.700 AD&D $ 0.030 $ 0.030 $ 0.030: $ 0.030' $ 0.033 $ 0.050 $ 0.0341 $ 0.030 Rate Guarantee NA 3 Years 3 Years 3 Years 3 Years 2 Years 3 Years 2 Years Participation NA Current Level 2S% 25% 25% 25% 25% 44% Class 1 All Other Active Members Class 2 Active Paramedics