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cs <br /> Indian River County <br /> Group Life and LTD RFP - 2014034 <br /> Dependent Life <br /> Proposal Review <br /> Standard Insurance Standard Insurance <br /> Company Current Plan Company Symetra Mutual of Omaha Minnesota Life Florida Combined CIGNA Hartford <br /> 5K Increments up to SK Increments up to r 5K Increments up to SK Increments up to 5K Increments up to 5K Increments up to 10K Increments up 1OK Increments up <br /> Spouse Life 250K 250K 250K 250K 250K 250K to 250K to 250K <br /> Child(ren) $ 10,0001 10,0001 $ 10,0001 $ 10,000 $ 10,0001 $ 10,0001 $ 10,000 $ 10,000 <br /> _Age Reductions 50%at age 70 50%at age 70 50%at age 70 5_0%at age 70 50%at age 70 509.at age 70 50%at age 70 SO%at age 70 <br /> Guaranteed Issue 20K-Spouse;SOK- 20K-Spouse;SOK- 20K-Spouse;1OK- 20K-Spouse;10K- 20K-Spouse;10K- $30,000 Up To Age 20K-Spouse;10K- 20K-Spouse;1OK- <br /> Limit Child(ren) Children) Child(ren) Child(ren) Child(ren) 69;10K Children Child(ren) Child(ren) <br /> Conversion Yes j Yes Yes Yes Yes Yes Yes Yes <br /> Portability s Yes No Yes 1 Yes Yes Yes Yes <br /> - --- - - - Yes - -1, -- <br /> Yes-2 Year Yes-2 Year <br /> Suicide Exclusion i Yes-2 Year Lookback Yes-2 Year Lookback Yes-2 Year Lookback Yes-2 Year Lookback Yes-2 Year Lookback Yes-1 Year Lookback Lookback Lookback <br /> Death Benfit Death Benfit <br /> Death Benfit Matches Death Benfit Matches Death Benfit Matches Death Benfit Matches 'Death Benfit Matches Death Benfit Matches Matches Life Matches Life <br /> AD&D Life Amount Life Amount Life Amount Life Amount Life Amount Life Amount Amount Amount <br /> Spouse Rates Per 1,000 <br /> U_nder Age 25 1 $ 0.030 $ 0.030 $ 0-0301 $ 0.030 $ 0-030 $ 0.050 $ - 0.030 $ 0.030 <br /> 25-29 $ 0.040 $ 0.040 $ 0.04_0 $ 0.040 $ _ 0.040 $ 0.050 $ 0.040 $ 0.040 <br /> 30-34 $ 0.050 $ 0.050 _$ __0.050 $ 0.050 $ 0.050 $ 0.060 $_ 0.050 $ 0.050 <br /> 35 39 $ 0.080 $ 0.080 $ 0.080 $ 0.080 $ 0.080 $ 0.090 $ 0.080 $ 0.080 <br /> 40-44 $ 0.130 $ 0.130{ $ 0.130 $ 0.1_30 $ 0.130 $ 0.150 $ 0.130 $ 0.130 <br /> 45-49 $ 0.230 $ 0.230 $ 0.230 $ 0.230 $ 0.230 _$ 0.260 $ 0.230 $ 0.230 <br /> 50-54 $ 0.380 $ 0.380 $ 0.380 $ 0.380 $ 0.380 $ 0.440 $ 0.380 $ 0.380 <br /> 55-59 $ 0.680 $ 0.680: $ 0.680 $ 0.680 $ 0.680 $ 0.750 $ 0.680 $ 0.680 <br /> 60-64 $ 0.730 $ 0.730 $ 0.730 $ 0.730 $ 0.730 $ 0.840 $ 0.730 $ 0.730 <br /> 65-69 $ 1.270 $ 1.270 $ 1.270 $ 1.270, $ 1.2,70-_$ 1.460 $ 1.270 $ 1.270 <br /> 70-74 $ 2.270 $ 2.2701 $ 2.270 $ 2.270 $ 2.270 $ 2.610 $ 2.270 $ 2.270 <br /> _7s+ $ 8.700 S 8.7001 8.700 $ 8.700..,$ 8.700 $ 10.010; $ 8.700 $ 8.700 <br /> AD&D $ 0.030 $ 0.030 $ 0.030 $ 0.030; $ 0.033 $ 0.020; $ 0.023 $ 0.030 <br /> Child Rates <br /> Child Life Rates-Per <br /> Employee Per Month $ 0.57 $ 0_57 $ 0.57; $ 0.57 $ 1.33 $ 2.100.57 $ 0.60 <br /> I <br /> -- $ . <br /> Child AD&D Rate-Per <br /> Employee Per Month $ 0.03 $ _ 0.03 $ 0.03; $ 0.03 Included Included Included Included <br /> _ <br /> Total $ 0.60 $ 0.60 $ 0.60 $ 0.60 $ 1.33 $ 2.10 $ 0.57 $ 0.60 <br /> Rate Guarantee NA 3 Years 1 3 Years 3 Years 3 Years 2 Years 1 3 Years 1 2 Years <br />