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rw e« Indian River County Group Life and LTD RFP - 2014034 Grandfathered Dependent Life Proposal Review Standard insurance Standardlnsurance Company Current Plan ' Company Symetra Mutual of Omaha Minnesota Life Florida Combined CIGNA Hartford Per Schedule On Per Schedule On Per Schedule On Per Schedule On Per Schedule On Per Schedule On Per Schedule On Spouse Life File/Census File/Census File/Census File/Census File/Census File/Census Not Quoted File/Census Per Schedule On Per Schedule On Per Schedule On Per Schedule On Per Schedule On Per Schedule On Per Schedule On Child(ren) File/Census File/Census File/Census File/Census Fife/Census File/Census Not Quoted File/Census Age Reductions 50%ata a 70 50%ata a 70 50%at age 70 50%at age 70 50%at age 70 50%at age 70 Not Quoted 50%at age 70 _ Conversion Yes Yes Yes Yes Yes_ Yes Not Quoted ___Yes Portability Yes Yes Not In Proposal Yes Yes _ Yes Not Quoted Yes Suicide Exclusion Yes-2 Year Lookback Yes-2 Year Lookback Yes-2 Year Lookback Yes-2 Year Lookback Yes-2 Year Lookback Yes-1 Year Lookback Not Quoted Yes-2 Year Lookback Death Benfit Matches Life Death Benfit Matches Life Death Benfit Matches Life Death Benfit Matches Death Benfit Matches j Death Benfit Matches Death Benfit Matches AD&D Amount Amount Amount Life Amount Life Amount I Life Amount Not Quoted Life Amount Spouse Rates Per 1,000 Grandfathered 1 Spouse Life $ 0.380 $ 0.380 $ 0.380 $ _0.380_ $ 0.380 $ 0-440 Not Quoted $ 0.380 Grandfathered Spouse AD&D $ 0.040 $ 0.030 $ 0.040 $ 0.040 $ 0.0401 $ 0.020 Not Quoted $ 0.040 Total $ 0.420 $ 0.410 $ 0.420 $ 0.420 $ 0.4201 $ 0.460 Not Quoted $ 0.420 Child Rates Child Life Rates-Per $ 0.370 $ 0.57 $ 0.571 $ 0.57 $ 1.33 $ 2.10 Not Quoted $ 0.57 Child Life AD&D $ 0.030 $ 0.03 $ 0.03 $ 0.03 Included Included Not Quoted $ 0.03 Total ! $ 0.600 $ 0.60 $ 0.60: $ 0.60 $ 1.33 $ 2.10 Not Quoted $ 0.60 Rate Guarantee j NA 3 Years 3 Years 3 Years 3 Years 2 Years Not Quoted 2 Years