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r <br />Voluntary Long Term Disability Insurance <br />The UNUM Life Insurance Company submitted the most advantageous proposal for Voluntary Long <br />Term Disability Benefits. Their rates are the lowest and they offer a two year rate guarantee. Their <br />policy form is acceptable and the company is rated very high by one of the leading insurance rating <br />organizations. Their proposal is recommended for selection <br />Indian River County <br />Disability Income Protection Coverage <br />Proposer <br />UNUM <br />BCBS <br />National <br />Services <br />Insurance <br />Company <br />UNUM <br />Florida <br />Combined <br />Standard <br />Security <br />A M Best Rating <br />A++ <br />A <br />A <br />Purchase Indep. <br />Yes <br />Yes <br />Long Term <br />Disability? <br />Yes <br />Yes <br />Yes <br />Sample? <br />Yes <br />Yes <br />Yes <br />Definition of <br />Disability <br />24 mo. <br />Own occ. <br />24 mo. <br />Own occ. <br />24 mo. <br />Own occ. <br />Partial? <br />Yes <br />Yes <br />Yes <br />Definition of Partial <br />80% of <br />comp. <br />All material <br />duties <br />80% of <br />comp. <br />How are benefits <br />paid? <br />Monthly <br />Monthly <br />Monthly <br />Rates Guaranteed? <br />2 yrs. <br />12 mo. <br />not known <br />Minimum benefit <br />100 mo. <br />100 mo. <br />50 mo. <br />Maximum benefit <br />4000 mo. <br />4000 mo. <br />4000 mo. <br />RATE: LTD <br />$.10/1.24 <br />$.11/1.31 <br />$.11/1.24 <br />Is this authorized <br />Yes <br />Yes <br />Not known <br />Assist in BCC <br />take-over/ <br />Enrollment <br />Yes <br />N/A <br />Not known <br />Has proposal been <br />signed by <br />authorized person? <br />Yes <br />Yes <br />No <br />Exceptions to <br />present plan <br />UNUM <br />Form <br />None <br />Not known <br />13 <br />