Client Proposal Template

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Client Proposal Template

  1. 1. Company Name••••••••••••••••••Annual Benefits ReviewDecember 30, 1899Presented By: AgentBBVA Compass Insurance Agency, Inc.9525 Katy Freeway, Suite 410Houston, TX 77024Phone - 713-461-3043/Fax - 713-461-5533BBVA Compass Insurance Agency, Inc. is an affiliate of BBVA Compass Bank.
  2. 2. CENSUS Company NameCity State: Zip Code: Employee Spouse ZIP Employee Name M/F Date Of Birth Date Of Birth # OF CHILD(REN) CITY CODE OCCUPATION SALARY 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 COVERAGE TOTALS SIC CODE /EMPLOYEE 0 Nature of BusinessEMPLOYEE / SPOUSE 0EMPLOYEE / CHILD 0 Effective DateFAMILY 0TOTALS 0 BBVA Compass Insurance 05/28/2011 713-461-3043
  3. 3. Medical Market Survey - 2011-2012 Current/Renewal Options CURRENT PLAN - CURRENT PLAN -Medical Benefits Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Per Confinement Deductible Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Current RenewalEmployee Only 0Employee & Spouse 0 RATES ARE AGE RATED RATES ARE AGE RATEDEmployee & Child(ren) 0Employee & Family 0Monthly Total 0 $0.00 $0.00Annual Total 0 $0 $0 $0 $0% Difference #DIV/0! #DIV/0!Notes: •Many additinal options are available. Please request for more details •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance company is required to pay after the deductible has been satisfied, unless otherwise noted. •Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment. •Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to receive are covered health servicesand to determine what pre-certifications an/or notification requitements or limitations may apply. •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year Website: www.humana.com
  4. 4. Medical Market Survey - 2011-2012 Aetna Options RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard RateEmployee Only 0Employee & Spouse 0Employee & Child(ren) 0Employee & Family 0Monthly Total 0 $0.00 $0.00 $0.00 $0.00Annual Total 0 $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance company pays. •Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to receive are covered. •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. Website: www.aetna.com
  5. 5. Medical Market Survey - 2011-2012 Aetna Options (Page 2) RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard RateEmployee Only 0Employee & Spouse 0Employee & Child(ren) 0Employee & Family 0Monthly Total 0 $0.00 $0.00 $0.00 $0.00Annual Total 0 $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she •Certain what the insurance company pays. plans to receive are covered. •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. Website: www.aetna.com
  6. 6. Medical Market Survey - 2011-2012 Blue Cross & Blue Shield Options RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Hospital Services Urgent Care Services Emergency Room (Facility/Phys. Charges)Prescription DrugsMonthly Rates Current Renewal Standard Rate Standard RateEmployee Only 0Employee & Spouse 0Employee & Child(ren) 0Employee & Family 0Monthly Total 0 $0.00 $0.00 $0.00 $0.00Annual Total 0 $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. *Mandatory Generic (MG) - If the member or the physician requests brand when generic is available, the member pays the applicable copay plus the difference between the generic price and the brand price. •Many additional options are available. Please request for more details. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the health services haveis required torequirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to •Certain insurance company notification pay after the deductible has been satisfied, unless otherwise noted. receive are covered health services and to determine what pre-certifications and/or notification requirements or limitations may apply. •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. Website: www.bcbstx.com
  7. 7. Medical Market Survey - 2011-2012 Blue Cross & Blue Shield Options (Page 2) RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard RateEmployee Only 0Employee & Spouse 0Employee & Child(ren) 0Employee & Family 0Monthly Total 0 $0.00 $0.00 $0.00 $0.00Annual Total 0 $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. *Mandatory Generic (MG) - If the member or the physician requests brand when generic is available, the member pays the applicable copay plus the difference between the generic price and the brand price. •Many additional options are available. Please request for more details. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the health services haveis required torequirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to •Certain insurance company notification pay after the deductible has been satisfied, unless otherwise noted. receive are covered health services and to determine what pre-certifications and/or notification requirements or limitations may apply. •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. Website: www.bcbstx.com
  8. 8. Medical Market Survey - 2011-2012 Humana Age Rated Options RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard Rate ### ### ### ### ### ### ### ### ###Monthly Total $0.00 $0.00 ### $0.00 ### $0.00Annual Total $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Many additinal options are available. Please request for more details •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance company is required to pay after the deductible has been satisfied, unless otherwise noted. •Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment. •Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to receive are covered health servicesand to determine what pre-certifications an/or notification requitements or limitations may apply. •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year Website: www.humana.com
  9. 9. Medical Market Survey - 2011-2012 Humana Age Rated Options (Page 2) RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard Rate ### ### ### ### ### ### ### ### ###Monthly Total $0.00 $0.00 ### $0.00 ### $0.00Annual Total $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Many additinal options are available. Please request for more details •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance company is required to pay after the deductible has been satisfied, unless otherwise noted. •Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment. •Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to receive are covered health servicesand to determine what pre-certifications an/or notification requitements or limitations may apply. •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year Website: www.humana.com
  10. 10. Medical Market Survey - 2011-2012 United Healthcare Age Rated Options RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard Rate ### ### ### ### ### ### ### ### ###Monthly Total $0.00 $0.00 ### $0.00 ### $0.00Annual Total $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Many additinal options are available. Please request for more details •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance com •Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment. •Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to receive are covered •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year Website: www.humana.com
  11. 11. Medical Market Survey - 2011-2012 United Healthcare Age Rated Options RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard Rate ### ### ### ### ### ### ### ### ###Monthly Total $0.00 $0.00 ### $0.00 ### $0.00Annual Total $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Many additinal options are available. Please request for more details •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance com •Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment. •Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to receive are covered •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year Website: www.humana.com
  12. 12. Medical Market Survey - 2011-2012 Assurant Age Rated Options RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Per Confinement Deductible Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard Rate ### ### ### ### ### ### ### ### ###Monthly Total $0.00 $0.00 ### $0.00 ### $0.00Annual Total $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Many additinal options are available. Please request for more details •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance com •Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment. •Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to receive are covered •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year Website: www.assurant.com
  13. 13. Medical Market Survey - 2011-2012 Assurant Age Rated Options (Page 2) RENEWAL PLAN - PLAN NAME PLAN NAMEMedical Benefits Network Non-Network Network Non-Network Network Non-NetworkIndividual DeductibleCoinsurance % MaxOOP MaximumFamily DeductibleCoinsurance % MaxOOP MaximumPhysician Office Visits Primary Care Physician (PCP) Specialist Out-Patient Surgical Expenses Lab & X-ray (CT, PET, MRI, etc) Preventive Care (PCP/Specialist)Hospital Care Per Confinement Deductible Hospital Services Urgent Care Services Emergency RoomPrescription DrugsMonthly Rates Current Renewal Standard Rate Standard Rate ### ### ### ### ### ### ### ### ###Monthly Total $0.00 $0.00 ### $0.00 ### $0.00Annual Total $0 $0 $0 $0% Difference #DIV/0! #DIV/0! #DIV/0!15% Rate Up $0 $030% Rate Up $0 $067% Rate Up $0 $0Notes: •Many additinal options are available. Please request for more details •Out-of-Network coinsurance stop-loss amount will also apply toward the network coinsurance stop-loss amount. •Copays and drug copays do not count toward deductible and coinsurance percentage. •This is a partial description of benefits available. For more information, refer to the specific plan design summary. The dollar amount copayments indicate what the member is required to pay and the percentage copayments indicate what the insurance com •Rates are subject to underwriting should the actual covered members change more than 10% from current enrollment. •Certain health services have notification requirements and limitations that may vary based upon coverage option, insurance provider or state mandate. It is the participants responsibility to confirm that the services he/she plans to receive are covered •There must be a minimum of 75% of the eligible employees participating on the plan. •The employer must contribute a minimum of 50% or more of the employee only cost. On the Rx plans, the copay maximum for level 4 drugs is $3,500 per member per calendar year Website: www.assurant.com
  14. 14. Dental Market Options - 2011 - 2012 PLAN NAME DENTAL COMPARISON Plan Name Plan Name Plan Name Plan Name Plan Name Plan Name Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-NetworkCalendar Year Deductible Family LimitBenefit Percentage Preventive Services Basic Services Major ServicesEndo & Perio covered as:Calendar Year MaximumRollover AmountOrthodontia (Adult and/or Child) Benefit Percentage Lifetime MaximumNon-Network Claims URC Percentile 90% PLAN YEARMonthly Premium Current Renewal CARRIER CARRIER CARRIER CARRIER CARRIER Employee Only 0 $0.00 $0.00 $0.00 $0.00 $0.00 Employee & Spouse 0 $0.00 $0.00 $0.00 $0.00 $0.00 Employee & Children 0 $0.00 $0.00 $0.00 $0.00 $0.00 Full Family 0 $0.00 $0.00 $0.00 $0.00 $0.00 Monthly Total $0.00 $0.00 0.00 0.00 0.00 0.00 0.00 Annual Total $0 $0 $0 $0 $0 $0 $0% increase from current rates #DIV/0! #REF! #DIV/0! #REF! #REF! #REF!
  15. 15. Vision Market Options - 2011 - 2012 CARRIER VISION COMPARISON Plan Name Plan Name Plan Name Plan Name Plan Name Plan Name Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-Network Network Non-NetworkCalendar Year Deductible Family LimitBenefit Services Exams Lenses Single Vision Bifocals Trifocal Lenticular Contacts Frames PLAN YEARMonthly Premium Current Renewal CARRIER CARRIER CARRIER CARRIER CARRIER Employee Only 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Employee & Spouse 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Employee & Children 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Full Family 0 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Monthly Total $0 $0 $0 $0 $0 $0 $0 Annual Total $0 $0 $0 $0 $0 $0 $0% increase from current rates #DIV/0! #REF! #DIV/0! #REF! #REF! #REF!
  16. 16. Short Term Disability Market Options - 2011-2012 Benefit Description CURRENT PLAN GUARDIAN PRINCIPAL Benefits Begin - Accident Benefits Begin - Sickness Duration of Benefits Weekly Benefit Definition of Disability / Own Occupation Partial Benefit Waiting Period (Existing/New Employee) Pre-existing Limitation Contributory Status Minimum Participation Pre-existing Limitation Current RenewalVolumeRate per $10 of Covered PayrollMonthly TotalAnnual Total% Difference From Current Cost #DIV/0! #DIV/0! #DIV/0!
  17. 17. Long Term Disability Market Options - 2011-2012 Benefit Description CURRENT PLAN GUARDIAN PRINCIPAL Elimination Period Benefit Percentage Monthly Benefit Maximum Guarantee Issue Limit Integration Earnings Definition Benefit Period Pre-existing Limitation Subjective Illness Definition of Disability / Own Occupation Survivor Benefit Mental & Nervous Limitation Substance Abuse Current RenewalVolumeRate per $100 of Covered PayrollMonthly TotalAnnual Total% Difference From Current Cost #DIV/0! #DIV/0! #DIV/0!
  18. 18. Life and AD&D Market Survey - 2011-2012Benefit Plan Employee: Spouse: Child: Volume $0 Carrier Life AD&D Dependent Annual Total Rate Guarantee Current Plan $0.000 $0.000 $0.000 $0 Carrier Life AD&D Dependent Annual Total Rate Guarantee Humana $0.000 $0.000 $0.000 $0 Carrier Life AD&D Dependent Annual Total Rate Guarantee United Healthcare $0.000 $0.000 $0.000 $0 Carrier Life AD&D Dependent Annual Total Rate Guarantee Guardian $0.000 $0.000 $0.000 $0 Carrier Life AD&D Dependent Annual Total Rate Guarantee Principal $0.000 $0.000 $0.000 $0

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