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ABXPB-092015

American Benefits Exchange Pitch Book

American Benefits Exchange is not connected with or endorsed by the local, state, or U.S. government.

ABXPB-092015

Office of Personnel Management

No Sales Agents or Mail Solicitations “Neither OPM nor OFEGLI uses sales agents to administer the FEGLI Program or to promote the Program’s benefits. Marketing materials offering to help Federal employees “reduce future FEGLI cost increases” are, at a minimum, misleading, because these companies are not offering a FEGLI product. As a reminder, FEGLI premium rates are fixed at government-wide rates based on age, salary, and individual enrollment elections. Federal employees may not obtain discounts to reduce these premiums. Additionally, OPM does not endorse any privately-sponsored life insurance policies or products, and OPM has no connection with any other supplemental life insurance products marketed to Federal employees. In this regard, in consultation with the U.S. Department of Justice, OPM continues to take affirmative steps to correct third-parties’ improper and/or deceptive use of OPM trademarks, including FEGLI.”

Summary “As we stated in 2006, employees are free to purchase whatever life insurance products they so choose. We encourage comparison shopping. However, employees should do so knowingly and not because they were misled into believing that the insurance was sponsored by OPM or OFEGLI, or because they believe it is connected with the FEGLI Program in any way.”

United States Office of Personnel Management- Benefits Administration Letter June 27, 2014

ABXPB-092015

Creditability Quotes

- “I am the Postmaster on St. Thomas, U.S Virgin Islands and had the pleasure of having the IHC Financial Group come down and give a presentation to our union members at one of our union meetings. They went over FEGLI, CSRS, FERS and TSP as well as answered questions we had. They were also able to sit down with us individually and go over our individual situations. It is a good feeling to have a benefits trainer that we can contact for questions throughout our career and into retirement.” Silva T. Gibbs, Postmaster, 2012

- “Your briefings were right on target and expertly integrated the thrift savings plan, employee benefits, and Federal retirement systems into a focused planning perspective. Our employees face increasingly complex challenges, and your keen insights were invaluable in preparing them for the future.” Zetta M. Ferguson, Department of Veterans Affairs, 2011

- “Your presentation and slides on retirement planning were interesting, informative, and enlightening. Attendees were left with a greater knowledge of the federal retirement system and their own role in planning for a secure and comfortable retirement. We would love to host you again at an event that will allow for a greater number of attendees- the information you shared is something that I would like to reach all of our members.” Jessica Kearney Rust, President, ASMC Cleveland Chapter, 2013

Postal FEGLI Code Explanations

Numeric Codes: Definitions 1 Under age 35 2 35 through 39 3 40 through 44 4 45 through 49 5 50 through 54 6 55 through 59 7 60 and over Alpha Codes: Definitions A Ineligible B Waived C Basic Life D Basic Life & Option A-Standard E **Option C Family F **Option A- Standard & Option C- Family **Option B—Additional and Other Optional Combinations G 1 Times Salary H 1 Times Salary & Option A-Std I 1 Times Salary & Option C-Fam J 1 Times Salary & Option A- Std & Option

C- Fam K 2 Times Salary L 2 Times Salary & Option A-Std M 2 Times Salary & Option C-Fam N 2 Times Salary & Option A- Std & Option

C- Fam O 3 Times Salary P 3 Times Salary & Option A-Std Q 3 Times Salary & Option C-Fam R 3 Times Salary & Option A- Std & Option

C- Fam S 4 Times Salary T 4 Times Salary & Option A-Std U 4 Times Salary & Option C-Fam V 4 Times Salary & Option A- Std &

Option C- Fam W 5 Times Salary X 5 Times Salary & Option A-Std Y 5 Times Salary & Option C-Fam Z 5 Times Salary & Option A- Std & Option

C- Fam

Life Insurance For Postal Employees Verifying FEGLI Options The following information will aid in verifying Federal Employees Group Life Insurance. For purposes of insurance withholdings an employee is considered to attain age 35, 40, 45, 50, 55 and 60 on the first day of the first pay period in January of the year after their birthday occurs. Example: IN: 3 Z 5 IN=Insurance 3 Age Group 40-44 Z Basic Option A

Option B x5 Option C- Family Plan

5 5 units of Option C- Family Plan

American Benefits Exchange is not connected with or endorsed by the federal government.

ABXPC-022016

General FEGLI Code Explanations

LIST OF NEW FEGLI CODES A0 Ineligible

B0 Waived

C0 Basic only D0 Basic + Option A

E1 Basic + Option C (1x) E2 Basic + Option C (2x) E3 Basic + Option C (3x) E4 Basic + Option C (4x) E5 Basic + Option C (5x)

F1 Basic + Option A + Option C (1x) F2 Basic + Option A + Option C (2x) F3 Basic + Option A + Option C (3x) F4 Basic + Option A + Option C (4x) F5 Basic + Option A + Option C (5x)

G0 Basic + Option B(1x)

H0 Basic + Option B (1x) + Option A

I1 Basic + Option B (1x) + Option C (1x) I2 Basic + Option B (1x) + Option C (2x) I3 Basic + Option B (1x) + Option C (3x) I4 Basic + Option B (1x) + Option C (4x) I5 Basic + Option B (1x) + Option C (5x)

J1 Basic + Option B (1x) + Option A + Option C (1x) J2 Basic + Option B (1x) + Option A + Option C (2x) J3 Basic + Option B (1x) + Option A + Option C (3x) J4 Basic + Option B (1x) + Option A + Option C (4x) J5 Basic + Option B (1x) + Option A + Option C (5x)

K0 Basic + Option B (2x)

L0 Basic + Option B (2x) + Option A


ABXGFC-022016


M1 Basic + Option B (2x) + Option C (1x) M2 Basic + Option B (2x) + Option C (2x) M3 Basic + Option B (2x) + Option C (3x) M4 Basic + Option B (2x) + Option C (4x) M5 Basic + Option B (2x) + Option C (5x)

N1 Basic + Option B (2x) + Option A + Option C (1x) N2 Basic + Option B (2x) + Option A + Option C (2x) N3 Basic + Option B (2x) + Option A + Option C (3x) N4 Basic + Option B (2x) + Option A + Option C (4x) N5 Basic + Option B (2x) + Option A + Option C (5x)

90 Basic + Option B (3x)

P0 Basic + Option B (3x) + Option A

Q1 Basic + Option B (3x) + Option C (1x) Q2 Basic + Option B (3x) + Option C (2x) Q3 Basic + Option B (3x) + Option C (3x) Q4 Basic + Option B (3x) + Option C (4x) Q5 Basic + Option B (3x) + Option C (5x)

R1 Basic + Option B (3x) + Option A + Option C (1x) R2 Basic + Option B (3x) + Option A + Option C (2x) R3 Basic + Option B (3x) + Option A + Option C (3x) R4 Basic + Option B (3x) + Option A + Option C (4x) R5 Basic + Option B (3x) + Option A + Option C (5x)

S0 Basic + Option B (4x)

T0 Basic + Option B (4x) + Option A

U1 Basic + Option B (4x) + Option C (1x) U2 Basic + Option B (4x) + Option C (2x) U3 Basic + Option B (4x) + Option C (3x) U4 Basic + Option B (4x) + Option C (4x) U5 Basic + Option B (4x) + Option C (5x)

V1 Basic + Option B (4x) + Option A + Option C (1x) V2 Basic + Option B (4x) + Option A + Option C (2x) V3 Basic + Option B (4x) + Option A + Option C (3x)


ABXGFC-022016


V4 Basic + Option B (4x) + Option A + Option C (4x) V5 Basic + Option B (4x) + Option A + Option C (5x) W0 Basic + Option B (5x)

X0 Basic + Option B (5x) + Option A

Y1 Basic + Option B (5x) + Option C (1x) Y2 Basic + Option B (5x) + Option C (2x) Y3 Basic + Option B (5x) + Option C (3x) Y4 Basic + Option B (5x) + Option C (4x) Y5 Basic + Option B (5x) + Option C (5x)

Z1 Basic + Option B (5x) + Option A + Option C (1x) Z2 Basic + Option B (5x) + Option A + Option C (2x) Z3 Basic + Option B (5x) + Option A + Option C (3x) Z4 Basic + Option B (5x) + Option A + Option C (4x) Z5 Basic + Option B (5x) + Option A + Option C (5x)


ABXGFC-022016

ABXPB-092015

Social Security Administration

What Social Security Means to You

“Without changes, in 2033 the Social Security Trust Fund will be able to pay only about 77 cents for each dollar of scheduled benefits.* We need to resolve these issues soon to make sure Social Security continues to provide a foundation of protection for future generations.”

Your Estimated Benefits

“*Retirement You have earned enough credits to qualify for benefits. At your current earnings rate, if you continue working until…

your full retirement age (67 years), your payment would be about..............$ 1,702 a month

age 70, your payment would be about .....................................................................$ 2,121 a month

age 62, your payment would be about ....................................................................$ 1,174 a month”

“* Your estimated benefits are based on current law. Congress has made changes to the law in the past and can do so at any time. The law governing benefit amounts may change because, by 2033, the payroll taxes collected will be enough to pay only about 77 percent of scheduled benefits. ”

Social Security Administration, Your Social Security Statement January 2, 2015

ABXPB-092015

SUPPLEMENTAL RETIREMENT FOR FEDERAL EMPLOYEES

- The plan is Long-Term to provide you and your family continued protection and additional income at retirement.

- You OWN and CONTROL the plan. This is not owned, operated, controlled or affiliated with the Federal Government.

- Payroll Deduction. We are authorized to setup payroll deduction for all Military, Postal, and Civil Service branches of the Federal Government and their spouse.

- You may Increase or Decrease your Supplemental Retirement Plan at any time. You can start your allotment for as little as of $25.00 per week, and you can add Lump Sum deposits at any time. The maximum investment is $4,000 per year in the flexible premium tax-deferred annuity.

- The Supplemental Retirement Program gives you two vehicles to get you where you want to go to for RETIREMENT.

ABXPB-092015

SUPPLEMENT RETIREMENT: Part One Whole Life Coverage

- Permanent as opposed to Term

- Builds separate tax free cash values

- Self-Funding

- Immediate death benefit

- Plan completion

- Paid-Up option in retirement

- Not subject to group changes

- No income taxes due on life insurance proceeds paid to beneficiary

ABXPB-092015

SUPPLEMENT RETIREMENT: Part Two Flexible Annuity Rider

ANNUITY FUND

- Guaranteed Returns for life of policy

- 4% Interest Rate guaranteed first year

- 2% Guaranteed Interest Rate

- Interest is calculated daily

- Maximum Investment of $4,000 (per calendar year)

- Grows Tax-Deferred

- Investment gains are taxed as ordinary income upon withdrawal.

ABXPB-092015

SUPPLEMENT RETIREMENT: Part Three ROTH IRA

(Deferred Annuity)

- Guaranteed Returns

- 3% Current First Year Interest Rate

- 1.5% Bonus on all First Year Premiums.

- 2% Minimum Guaranteed Interest Return

- NO Hidden fees – No set up fees – No account maintenance fees- No minimum balance or annual fees

- 10% annual withdrawal privilege

- Tax Free Growth

- Tax Free Income at 59½

- Various Income Payment Options

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www.tsp.gov, August, 2014

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IHCFGPB-192015

Year G F C S I

2000 6.42 11.67 -9.14 -15.77 -14.17

2001 5.39 8.61 -11.94 -9.04 -21.94

2002 5.00 10.27 -22.05 -18.14 -15.98

2003 4.11 4.11 28.54 42.92 37.94

2004 4.30 4.30 10.82 18.03 20.00

2005 4.49 2.40 4.96 10.45 13.63

2006 4.93 4.40 15.79 15.30 26.32

2007 4.87 7.09 5.54 5.49 11.43

2008 3.75 5.45 -36.99 -38.32 -42.43

2009 2.97 5.99 26.68 34.85 30.04

2010 2.81 6.71 15.06 29.06 7.94

2011 2.45 7.89 2.11 -3.38 -11.81

2012 1.47 4.29 16.07 18.57 18.62

2013 1.89 -1.68 32.45 38.35 22.13

2014 2.31 6.73 13.78 7.80 -5.27

15 year Compound 3.81 5.84 4.26 6.60 2.54

Year L Income L2020 L2030 L2040 L2050

2005 2.15 3.40 3.59 3.92 -

2006 7.59 13.72 15.00 16.53 -

2007 5.56 6.87 7.14 7.36 -

2008 -5.09 -22.77 -27.50 -31.53 -

2009 8.57 19.14 22.48 25.19 -

2010 5.74 10.59 12.48 13.89 -

2011 2.23 0.41 -0.31 -0.96 -

2012 4.77 10.42 12.61 14.27 15.85

2013 6.97 16.03 20.16 23.23 26.20

2014 3.77 5.06 5.74 6.22 6.37

Encore I - $50 Bi-Weekly

Initial InitialInitial Income Paid-Up Income Initial Income Paid-Up IncomeFace @65 Face @65 Face @65 Face @65

0 92,262 79,963 396 8,165 147,721 731 NA NA NA NA NA NA1 92,262 77,780 385 9,465 143,537 711 NA NA NA NA NA NA2 92,262 75,641 374 10,342 139,434 690 NA NA NA NA NA NA3 92,262 73,543 364 10,954 135,411 670 NA NA NA NA NA NA4 92,262 71,487 354 11,390 131,468 651 NA NA NA NA NA NA5 92,262 69,470 344 11,658 127,602 632 NA NA NA NA NA NA6 92,262 67,494 334 11,784 123,812 613 NA NA NA NA NA NA7 92,262 65,556 325 11,822 120,096 594 NA NA NA NA NA NA8 92,262 63,656 315 11,771 116,452 576 NA NA NA NA NA NA9 92,262 61,793 306 11,693 112,881 559 NA NA NA NA NA NA

10 92,262 59,967 297 11,605 109,379 541 NA NA NA NA NA NA11 92,262 58,177 288 11,534 105,946 524 NA NA NA NA NA NA12 92,262 56,422 279 11,503 102,580 508 NA NA NA NA NA NA13 92,262 54,701 271 11,526 99,281 491 NA NA NA NA NA NA14 92,262 53,014 262 11,596 96,046 475 NA NA NA NA NA NA15 92,262 51,360 254 11,756 92,874 460 NA NA NA NA NA NA16 92,262 49,738 246 12,002 89,765 444 NA NA NA NA NA NA17 92,262 48,148 238 12,305 86,716 429 NA NA NA NA NA NA18 74,296 46,563 230 10,198 83,720 414 56,185 46,563 230 10,095 83,720 41419 72,813 45,036 223 10,310 80,790 400 54,795 45,036 223 9,945 80,790 40020 71,429 43,564 216 10,431 77,925 386 53,219 43,564 216 9,787 77,925 38621 69,624 42,071 208 10,485 75,102 372 51,495 42,095 208 9,619 75,109 37222 67,501 40,632 201 10,474 72,341 358 49,859 40,640 201 9,473 72,343 35823 65,126 39,243 194 10,397 69,641 345 48,137 39,243 194 9,312 69,641 34524 62,532 37,838 187 10,250 66,980 332 46,321 37,845 187 9,126 66,983 33225 60,165 36,482 181 10,117 64,379 319 44,460 36,489 181 8,927 64,381 31926 57,944 35,172 174 9,982 61,834 306 42,582 35,172 174 8,714 61,834 30627 55,906 33,868 168 9,858 59,334 294 40,843 33,868 168 8,515 59,334 29428 53,726 32,590 161 9,681 56,882 282 39,117 32,590 161 8,297 56,882 28229 51,731 31,318 155 9,497 54,472 270 37,394 31,336 155 8,052 54,478 27030 49,859 30,096 149 9,307 52,118 258 35,714 30,107 149 7,785 52,122 25831 47,913 28,902 143 9,069 49,811 247 34,169 28,891 143 7,520 49,808 24732 46,131 27,721 137 8,833 47,546 235 32,752 27,721 137 7,255 47,546 23533 44,286 26,563 131 8,556 45,326 224 31,448 26,553 131 6,991 45,322 22434 42,408 25,428 126 8,249 43,149 214 30,244 25,428 126 6,728 43,149 21435 40,696 24,305 120 7,950 41,011 203 29,053 24,315 120 6,447 41,014 20336 39,253 23,215 115 7,686 38,918 193 27,815 23,223 115 6,140 38,922 19337 38,037 22,154 110 7,452 36,870 183 26,547 22,149 110 5,817 36,869 18338 36,905 21,105 104 7,231 34,859 173 25,219 21,101 104 5,483 34,857 17339 35,828 20,069 99 7,024 32,884 163 23,911 20,076 99 5,159 32,887 16340 34,705 19,061 94 6,805 30,951 153 22,731 19,065 94 4,866 30,952 15341 33,441 18,080 90 6,556 29,059 144 21,622 18,076 89 4,590 29,057 14442 32,183 17,104 85 6,300 27,198 135 20,615 17,108 85 4,334 27,199 13543 30,923 16,161 80 6,038 25,379 126 19,698 16,158 80 4,093 25,377 12644 29,679 15,229 75 5,772 23,593 117 18,859 15,226 75 3,862 23,592 11745 28,460 14,314 71 5,498 21,841 108 18,031 14,314 71 3,624 21,841 10846 27,337 13,421 66 5,231 20,125 100 17,244 13,419 66 3,386 20,124 10047 26,232 12,541 62 4,957 18,441 91 16,525 12,543 62 3,154 18,442 9148 25,162 11,683 58 4,683 16,793 83 15,861 11,683 58 2,927 16,793 8349 24,120 10,837 54 4,405 15,174 75 15,228 10,837 54 2,700 15,174 7550 23,160 10,012 50 4,134 13,589 67 14,643 10,012 50 2,476 13,589 6751 22,186 9,200 46 3,849 12,033 60 14,139 9,202 46 2,254 12,034 6052 21,247 8,407 42 3,558 10,510 52 13,685 8,405 42 2,027 10,509 5253 20,351 7,626 38 3,261 9,014 45 13,290 7,627 38 1,791 9,016 4554 19,457 6,862 34 2,952 7,549 37 12,918 6,862 34 1,542 7,549 3755 18,574 6,114 30 2,639 6,114 30 12,595 6,113 30 1,286 6,113 3056 17,489 5,380 27 2,593 5,380 27 12,086 5,380 27 1,315 5,380 2757 16,282 4,660 23 2,522 4,660 23 11,437 4,660 23 1,330 4,660 2358 15,166 3,954 20 2,454 3,954 20 10,646 3,954 20 1,325 3,954 2059 14,014 3,262 16 2,370 3,262 16 9,858 3,262 16 1,315 3,262 1660 12,964 2,583 13 2,292 2,583 13 9,120 2,583 13 1,304 2,583 1361 11,982 1,918 9 2,114 1,918 9 8,400 1,918 10 1,185 1,918 1062 11,071 1,266 6 1,950 1,266 6 7,731 1,266 6 1,079 1,266 663 10,194 627 3 1,795 627 3 7,092 627 3 982 627 364 9,374 0 0 1,651 0 0 6,489 0 0 907 0 065 8,596 0 0 1,517 0 0 5,952 0 0 846 0 0

AgeAV@65

AV@65AV@65 AV@65

Male Non-Tobacco Male TobaccoPremium to Life Policy and

FPDARPremium to FPDAR Only After

10 YearsPremium to Life Policy and

FPDARPremium to FPDAR Only After

10 Years

3211 Page 6 of 31 CN15-049



0 92,262 79,963 363 4,748 147,721 671 NA NA NA NA NA NA1 92,262 77,780 353 5,816 143,537 652 NA NA NA NA NA NA2 92,262 75,641 343 6,638 139,434 633 NA NA NA NA NA NA3 92,262 73,543 334 7,300 135,411 615 NA NA NA NA NA NA4 92,262 71,487 325 7,830 131,468 597 NA NA NA NA NA NA5 92,262 69,470 315 8,311 127,602 579 NA NA NA NA NA NA6 92,262 67,494 306 8,730 123,812 562 NA NA NA NA NA NA7 92,262 65,556 298 9,119 120,096 545 NA NA NA NA NA NA8 92,262 63,656 289 9,503 116,452 529 NA NA NA NA NA NA9 92,262 61,793 281 9,855 112,881 512 NA NA NA NA NA NA

10 92,262 59,967 272 10,190 109,379 497 NA NA NA NA NA NA11 92,262 58,177 264 10,516 105,946 481 NA NA NA NA NA NA12 92,262 56,422 256 10,852 102,580 466 NA NA NA NA NA NA13 92,262 54,701 248 11,197 99,281 451 NA NA NA NA NA NA14 92,262 53,014 241 11,575 96,046 436 NA NA NA NA NA NA15 92,262 51,360 233 11,953 92,874 422 NA NA NA NA NA NA16 92,262 49,738 226 12,325 89,765 408 NA NA NA NA NA NA17 92,262 48,148 219 12,695 86,716 394 NA NA NA NA NA NA18 78,481 46,590 212 11,110 83,728 380 62,880 46,590 212 11,915 83,728 38019 76,875 45,036 204 11,172 80,790 367 61,508 45,062 205 11,802 80,798 36720 75,288 43,539 198 11,219 77,918 354 59,846 43,564 198 11,627 77,925 35421 73,286 42,095 191 11,178 75,109 341 57,944 42,095 191 11,392 75,109 34122 70,938 40,655 185 11,054 72,348 328 55,906 40,655 185 11,115 72,348 32823 68,320 39,221 178 10,855 69,634 316 53,726 39,243 178 10,791 69,641 31624 65,504 37,838 172 10,591 66,980 304 51,731 37,838 172 10,484 66,980 30425 62,880 36,503 166 10,325 64,385 292 49,859 36,489 166 10,182 64,381 29226 60,488 35,172 160 10,071 61,834 281 47,913 35,172 160 9,854 61,834 28127 58,271 33,868 154 9,827 59,334 269 45,926 33,868 154 9,501 59,334 26928 56,185 32,571 148 9,589 56,876 258 43,925 32,577 148 9,138 56,878 25829 54,267 31,318 142 9,370 54,472 247 41,934 31,324 142 8,773 54,474 24730 52,453 30,107 137 9,156 52,122 237 39,961 30,096 137 8,405 52,118 23731 50,550 28,891 131 8,917 49,808 226 38,177 28,902 131 8,071 49,811 22632 48,551 27,721 126 8,646 47,546 216 36,535 27,721 126 7,762 47,546 21633 46,512 26,563 121 8,361 45,326 206 35,028 26,563 121 7,475 45,326 20634 44,636 25,428 115 8,092 43,149 196 33,751 25,428 115 7,229 43,149 19635 42,744 24,305 110 7,807 41,011 186 32,563 24,315 110 6,997 41,014 18636 41,155 23,215 105 7,568 38,918 177 31,448 23,215 105 6,775 38,918 17737 39,820 22,154 101 7,362 36,870 167 30,415 22,145 101 6,559 36,867 16738 38,702 21,105 96 7,180 34,859 158 29,363 21,097 96 6,323 34,856 15839 37,656 20,069 91 6,995 32,884 149 28,388 20,076 91 6,085 32,887 14940 36,654 19,061 87 6,804 30,951 141 27,470 19,068 87 5,841 30,954 14141 35,479 18,073 82 6,563 29,056 132 26,484 18,080 82 5,565 29,059 13242 34,169 17,104 78 6,284 27,198 123 25,452 17,111 78 5,264 27,201 12343 32,752 16,161 73 5,970 25,379 115 24,438 16,161 73 4,956 25,379 11544 31,361 15,229 69 5,650 23,593 107 23,454 15,226 69 4,641 23,592 10745 30,002 14,311 65 5,330 21,839 99 22,545 14,316 65 4,333 21,842 9946 28,757 13,421 61 5,021 20,125 91 21,663 13,421 61 4,023 20,125 9147 27,537 12,541 57 4,711 18,441 84 20,771 12,543 57 3,707 18,442 8448 26,422 11,681 53 4,415 16,791 76 19,910 11,683 53 3,396 16,793 7649 25,389 10,839 49 4,131 15,175 69 19,089 10,839 49 3,095 15,175 6950 24,438 10,012 45 3,860 13,589 62 18,330 10,010 45 2,806 13,588 6251 23,405 9,202 42 3,579 12,034 55 17,574 9,202 42 2,521 12,034 5552 22,411 8,405 38 3,305 10,509 48 16,800 8,405 38 2,237 10,509 4853 21,332 7,626 35 3,023 9,014 41 16,068 7,626 35 1,961 9,014 4154 20,351 6,862 31 2,759 7,549 34 15,377 6,863 31 1,696 7,551 3455 19,595 6,114 28 2,527 6,114 28 14,702 6,114 28 1,435 6,114 2856 18,238 5,379 24 2,476 5,379 24 13,668 5,380 24 1,440 5,380 2457 16,979 4,659 21 2,426 4,659 21 12,726 4,660 21 1,447 4,660 2158 15,792 3,954 18 2,375 3,954 18 11,866 3,954 18 1,456 3,954 1859 14,547 3,262 15 2,303 3,262 15 11,038 3,262 15 1,460 3,262 1560 13,668 2,583 12 2,276 2,583 12 10,261 2,583 12 1,462 2,583 1261 12,581 1,918 9 2,107 1,918 9 9,446 1,918 9 1,343 1,918 962 11,605 1,266 6 1,955 1,266 6 8,704 1,266 6 1,235 1,266 663 10,697 627 3 1,812 627 3 7,976 627 3 1,128 627 364 9,815 0 0 1,672 0 0 7,269 0 0 1,023 0 065 9,001 0 0 1,540 0 0 6,637 0 0 927 0 0

Female Non-Tobacco Female TobaccoPremium to Life Policy and

FPDARPremium to FPDAR Only

After 10 YearsPremium to Life Policy

and FPDARPremium to FPDAR Only After

10 Years

AgeAV@65 AV@65 AV@65 AV@65

3211 Page 7 of 31 CN15-049



0 140,625 121,870 603 12,445 222,027 1,099 NA NA NA NA NA NA1 140,625 118,544 587 14,427 215,741 1,068 NA NA NA NA NA NA2 140,625 115,283 571 15,763 209,578 1,037 NA NA NA NA NA NA3 140,625 112,086 555 16,696 203,536 1,008 NA NA NA NA NA NA4 140,625 108,951 539 17,360 197,613 978 NA NA NA NA NA NA5 140,625 105,879 524 17,769 191,806 949 NA NA NA NA NA NA6 140,625 102,866 509 17,961 186,112 921 NA NA NA NA NA NA7 140,625 99,912 495 18,020 180,530 894 NA NA NA NA NA NA8 140,625 97,017 480 17,941 175,058 867 NA NA NA NA NA NA9 140,625 94,178 466 17,823 169,693 840 NA NA NA NA NA NA

10 140,625 91,395 452 17,688 164,433 814 NA NA NA NA NA NA11 140,625 88,666 439 17,580 159,276 788 NA NA NA NA NA NA12 140,625 85,991 426 17,533 154,221 763 NA NA NA NA NA NA13 140,625 83,368 413 17,568 149,264 739 NA NA NA NA NA NA14 140,625 80,797 400 17,675 144,405 715 NA NA NA NA NA NA15 140,625 78,276 387 17,918 139,641 691 NA NA NA NA NA NA16 140,625 75,805 375 18,294 134,970 668 NA NA NA NA NA NA17 140,625 73,382 363 18,755 130,391 645 NA NA NA NA NA NA18 113,241 70,961 351 15,544 125,889 623 85,637 70,970 351 15,387 125,892 62319 110,981 68,634 340 15,715 121,488 601 83,517 68,651 340 15,158 121,493 60120 108,871 66,395 329 15,898 117,186 580 81,116 66,395 329 14,918 117,186 58021 106,120 64,123 317 15,981 112,946 559 78,488 64,156 318 14,662 112,955 55922 102,885 61,930 307 15,964 108,799 539 75,995 61,938 307 14,439 108,801 53923 99,265 59,810 296 15,847 104,742 518 73,370 59,810 296 14,193 104,742 51824 95,310 57,671 285 15,623 100,747 499 70,601 57,679 286 13,910 100,749 49925 91,703 55,604 275 15,421 96,839 479 67,766 55,611 275 13,606 96,841 47926 88,318 53,606 265 15,214 93,016 460 64,904 53,606 265 13,282 93,016 46027 85,212 51,618 256 15,025 89,260 442 62,253 51,618 256 12,979 89,260 44228 81,889 49,669 246 14,756 85,577 424 59,621 49,669 246 12,646 85,577 42429 78,849 47,740 236 14,476 81,960 406 56,996 47,759 236 12,272 81,966 40630 75,995 45,868 227 14,186 78,421 388 54,435 45,886 227 11,866 78,426 38831 73,029 44,050 218 13,822 74,956 371 52,080 44,038 218 11,461 74,952 37132 70,313 42,249 209 13,463 71,554 354 49,921 42,249 209 11,058 71,554 35433 67,500 40,484 200 13,042 68,218 338 47,933 40,474 200 10,656 68,215 33834 64,637 38,754 192 12,573 64,948 321 46,098 38,754 192 10,254 64,948 32135 62,028 37,043 183 12,117 61,737 306 44,283 37,058 183 9,826 61,742 30636 59,829 35,385 175 11,715 58,595 290 42,396 35,394 175 9,359 58,599 29037 57,975 33,764 167 11,358 55,517 275 40,462 33,755 167 8,866 55,514 27538 56,250 32,165 159 11,022 52,496 260 38,438 32,157 159 8,356 52,493 26039 54,609 30,590 151 10,705 49,531 245 36,444 30,598 151 7,863 49,534 24540 52,897 29,054 144 10,371 46,627 231 34,647 29,058 144 7,417 46,629 23141 50,971 27,555 136 9,992 43,784 217 32,956 27,551 136 6,997 43,782 21742 49,053 26,072 129 9,603 40,989 203 31,421 26,075 129 6,606 40,991 20343 47,132 24,630 122 9,203 38,256 189 30,024 24,627 122 6,238 38,255 18944 45,237 23,211 115 8,797 35,573 176 28,745 23,208 115 5,886 35,572 17645 43,378 21,814 108 8,379 32,940 163 27,483 21,816 108 5,523 32,942 16346 41,667 20,455 101 7,973 30,365 150 26,283 20,452 101 5,161 30,363 15047 39,983 19,112 95 7,556 27,834 138 25,187 19,117 95 4,807 27,837 13848 38,352 17,806 88 7,137 25,359 126 24,175 17,806 88 4,462 25,359 12649 36,763 16,518 82 6,714 22,927 113 23,210 16,518 82 4,116 22,927 11350 35,301 15,260 76 6,300 20,547 102 22,319 15,260 76 3,774 20,547 10251 33,816 14,022 69 5,867 18,210 90 21,551 14,024 69 3,436 18,211 9052 32,385 12,812 63 5,423 15,922 79 20,859 12,811 63 3,089 15,920 7953 31,019 11,623 58 4,971 13,675 68 20,257 11,625 58 2,730 13,677 6854 29,656 10,459 52 4,500 11,475 57 19,690 10,459 52 2,351 11,475 5755 28,310 9,318 46 4,023 9,318 46 19,198 9,317 46 1,959 9,317 4656 26,657 8,199 41 3,953 8,199 41 18,421 8,199 41 2,004 8,199 4157 24,816 7,102 35 3,843 7,102 35 17,432 7,102 35 2,027 7,102 3558 23,116 6,026 30 3,740 6,026 30 16,226 6,026 30 2,020 6,026 3059 21,361 4,971 25 3,612 4,971 25 15,026 4,971 25 2,004 4,971 2560 19,760 3,937 19 3,493 3,937 19 13,900 3,937 19 1,988 3,937 1961 18,263 2,923 14 3,222 2,923 14 12,803 2,924 14 1,806 2,924 1462 16,875 1,930 10 2,973 1,930 10 11,784 1,929 10 1,644 1,929 1063 15,538 955 5 2,735 955 5 10,810 955 5 1,497 955 564 14,288 0 0 2,517 0 0 9,891 0 0 1,382 0 065 13,101 0 0 2,312 0 0 9,073 0 0 1,290 0 0

Male Non-Tobacco Male Tobacco

Premium to Life Policy and FPDAR

Premium to FPDAR Only After 10 Years

Premium to Life Policy and FPDAR

Premium to FPDAR Only After 10 Years

AgeAV@65

AV@65AV@65 AV@65

3211 Page 8 of 31 CN15-049



0 140,625 121,870 553 7,237 222,027 1,008 NA NA NA NA NA NA1 140,625 118,544 538 8,865 215,741 979 NA NA NA NA NA NA2 140,625 115,283 523 10,118 209,578 951 NA NA NA NA NA NA3 140,625 112,086 509 11,126 203,536 924 NA NA NA NA NA NA4 140,625 108,951 495 11,935 197,613 897 NA NA NA NA NA NA5 140,625 105,879 481 12,668 191,806 871 NA NA NA NA NA NA6 140,625 102,866 467 13,306 186,112 845 NA NA NA NA NA NA7 140,625 99,912 454 13,899 180,530 820 NA NA NA NA NA NA8 140,625 97,017 440 14,484 175,058 795 NA NA NA NA NA NA9 140,625 94,178 428 15,022 169,693 770 NA NA NA NA NA NA

10 140,625 91,395 415 15,532 164,433 747 NA NA NA NA NA NA11 140,625 88,666 403 16,028 159,276 723 NA NA NA NA NA NA12 140,625 85,991 390 16,540 154,221 700 NA NA NA NA NA NA13 140,625 83,368 378 17,066 149,264 678 NA NA NA NA NA NA14 140,625 80,797 367 17,643 144,405 656 NA NA NA NA NA NA15 140,625 78,276 355 18,218 139,641 634 NA NA NA NA NA NA16 140,625 75,805 344 18,786 134,970 613 NA NA NA NA NA NA17 140,625 73,382 333 19,350 130,391 592 NA NA NA NA NA NA18 119,620 71,007 322 16,933 125,902 572 95,842 71,007 322 18,161 125,902 57219 117,173 68,634 312 17,029 121,488 552 93,750 68,678 312 17,989 121,501 55220 114,754 66,352 301 17,101 117,174 532 91,216 66,395 301 17,722 117,186 53221 111,702 64,156 291 17,037 112,955 513 88,318 64,156 291 17,364 112,955 51322 108,124 61,962 281 16,849 108,808 494 85,212 61,962 281 16,941 108,808 49423 104,132 59,780 271 16,546 104,733 475 81,889 59,810 272 16,448 104,742 47624 99,842 57,671 262 16,143 100,747 457 78,849 57,679 262 15,980 100,749 45725 95,842 55,633 253 15,737 96,847 440 75,995 55,611 252 15,519 96,841 44026 92,195 53,606 243 15,350 93,016 422 73,029 53,606 243 15,020 93,016 42227 88,816 51,618 234 14,979 89,260 405 70,000 51,618 234 14,481 89,260 40528 85,637 49,644 225 14,615 85,569 388 66,950 49,650 225 13,928 85,571 38829 82,713 47,740 217 14,281 81,960 372 63,916 47,740 217 13,372 81,960 37230 79,949 45,886 208 13,956 78,426 356 60,909 45,874 208 12,812 78,423 35631 77,049 44,033 200 13,591 74,950 340 58,190 44,050 200 12,302 74,956 34032 74,002 42,249 192 13,179 71,554 325 55,687 42,249 192 11,831 71,554 32533 70,893 40,484 184 12,744 68,218 310 53,390 40,484 184 11,393 68,218 31034 68,035 38,754 176 12,333 64,948 295 51,443 38,754 176 11,018 64,948 29535 65,150 37,043 168 11,899 61,737 280 49,632 37,058 168 10,665 61,742 28036 62,728 35,381 161 11,535 58,594 266 47,933 35,385 161 10,326 58,595 26637 60,694 33,764 153 11,221 55,517 252 46,358 33,755 153 9,997 55,514 25238 58,989 32,165 146 10,944 52,496 238 44,755 32,157 146 9,638 52,493 23839 57,394 30,590 139 10,662 49,531 225 43,269 30,598 139 9,275 49,534 22540 55,868 29,054 132 10,370 46,627 212 41,870 29,061 132 8,903 46,630 21241 54,077 27,548 125 10,003 43,780 199 40,367 27,555 125 8,482 43,784 19942 52,080 26,072 118 9,578 40,989 186 38,793 26,078 118 8,024 40,992 18643 49,921 24,630 112 9,100 38,256 174 37,249 24,630 112 7,553 38,256 17444 47,800 23,211 105 8,612 35,573 162 35,748 23,208 105 7,074 35,572 16245 45,729 21,814 99 8,123 32,940 150 34,364 21,819 99 6,605 32,943 15046 43,831 20,455 93 7,653 30,365 138 33,019 20,455 93 6,132 30,365 13847 41,972 19,112 87 7,180 27,834 126 31,658 19,117 87 5,650 27,837 12648 40,273 17,801 81 6,729 25,356 115 30,347 17,806 81 5,177 25,359 11549 38,698 16,520 75 6,297 22,929 104 29,095 16,520 75 4,717 22,929 10450 37,249 15,260 69 5,884 20,547 93 27,938 15,258 69 4,277 20,545 9351 35,674 14,024 64 5,455 18,211 83 26,786 14,024 64 3,843 18,211 8352 34,159 12,811 58 5,037 15,920 72 25,606 12,811 58 3,409 15,920 7253 32,513 11,623 53 4,608 13,675 62 24,491 11,623 53 2,990 13,675 6254 31,019 10,459 47 4,205 11,475 52 23,438 10,460 47 2,585 11,476 5255 29,867 9,318 42 3,852 9,318 42 22,409 9,318 42 2,188 9,318 4256 27,798 8,198 37 3,773 8,198 37 20,833 8,199 37 2,195 8,199 3757 25,880 7,101 32 3,698 7,101 32 19,397 7,102 32 2,206 7,102 3258 24,070 6,026 27 3,620 6,026 27 18,086 6,026 27 2,219 6,026 2759 22,173 4,971 23 3,509 4,971 23 16,824 4,971 23 2,226 4,971 2360 20,833 3,937 18 3,468 3,937 18 15,639 3,937 18 2,228 3,937 1861 19,176 2,924 13 3,211 2,924 13 14,398 2,923 13 2,047 2,923 1362 17,688 1,929 9 2,980 1,929 9 13,266 1,929 9 1,882 1,929 963 16,304 955 4 2,762 955 4 12,157 955 4 1,719 955 464 14,960 0 0 2,548 0 0 11,080 0 0 1,559 0 065 13,720 0 0 2,347 0 0 10,117 0 0 1,413 0 0





10 Years

Age AV@65 AV@65 AV@65 AV@65

3211 Page 9 of 31 CN15-049



0 188,988 163,777 811 16,725 296,331 1,467 NA NA NA NA NA NA1 188,988 159,307 789 19,388 287,944 1,425 NA NA NA NA NA NA2 188,988 154,924 767 21,184 279,721 1,385 NA NA NA NA NA NA3 188,988 150,628 746 22,439 271,659 1,345 NA NA NA NA NA NA4 188,988 146,416 725 23,331 263,756 1,306 NA NA NA NA NA NA5 188,988 142,286 704 23,881 256,008 1,267 NA NA NA NA NA NA6 188,988 138,238 684 24,138 248,411 1,230 NA NA NA NA NA NA7 188,988 134,269 665 24,217 240,963 1,193 NA NA NA NA NA NA8 188,988 130,377 645 24,111 233,662 1,157 NA NA NA NA NA NA9 188,988 126,562 626 23,952 226,503 1,121 NA NA NA NA NA NA

10 188,988 122,822 608 23,771 219,485 1,086 NA NA NA NA NA NA11 188,988 119,155 590 23,625 212,605 1,052 NA NA NA NA NA NA12 188,988 115,560 572 23,563 205,859 1,019 NA NA NA NA NA NA13 188,988 112,036 555 23,610 199,246 986 NA NA NA NA NA NA14 188,988 108,581 537 23,754 192,763 954 NA NA NA NA NA NA15 188,988 105,193 521 24,081 186,406 923 NA NA NA NA NA NA16 188,988 101,872 504 24,585 180,174 892 NA NA NA NA NA NA17 188,988 98,616 488 25,205 174,065 862 NA NA NA NA NA NA18 152,187 95,370 472 20,889 168,060 832 115,088 95,388 472 20,679 168,065 83219 149,149 92,242 457 21,119 162,188 803 112,240 92,259 457 20,371 162,193 80320 146,313 89,225 442 21,366 156,445 774 109,013 89,225 442 20,049 156,445 77421 142,617 86,169 427 21,477 150,787 746 105,482 86,217 427 19,704 150,801 74622 138,269 83,229 412 21,454 145,256 719 102,131 83,237 412 19,405 145,258 71923 133,403 80,377 398 21,297 139,842 692 98,602 80,377 398 19,074 139,842 69224 128,089 77,506 384 20,996 134,513 666 94,882 77,513 384 18,694 134,515 66625 123,241 74,728 370 20,724 129,298 640 91,072 74,742 370 18,285 129,303 64026 118,692 72,039 357 20,447 124,197 615 87,225 72,039 357 17,850 124,197 61527 114,518 69,368 343 20,193 119,185 590 83,663 69,368 343 17,443 119,185 59028 110,052 66,749 330 19,831 114,271 566 80,126 66,749 330 16,996 114,271 56629 105,966 64,157 318 19,454 109,446 542 76,598 64,181 318 16,493 109,454 54230 102,131 61,641 305 19,065 104,723 518 73,157 61,664 305 15,947 104,731 51831 98,145 59,197 293 18,576 100,100 496 69,992 59,180 293 15,403 100,095 49532 94,494 56,777 281 18,094 95,561 473 67,089 56,777 281 14,861 95,561 47333 90,714 54,405 269 17,527 91,110 451 64,418 54,395 269 14,320 91,107 45134 86,867 52,080 258 16,897 86,747 429 61,951 52,080 258 13,781 86,747 42935 83,361 49,786 246 16,284 82,464 408 59,513 49,800 247 13,205 82,469 40836 80,405 47,552 235 15,743 78,270 387 56,976 47,565 235 12,578 78,275 38737 77,914 45,374 225 15,264 74,164 367 54,378 45,366 225 11,915 74,161 36738 75,595 43,226 214 14,812 70,133 347 51,658 43,218 214 11,230 70,130 34739 73,389 41,108 203 14,387 66,176 328 48,978 41,120 204 10,567 66,181 32840 71,089 39,044 193 13,938 62,302 308 46,563 39,047 193 9,968 62,303 30841 68,501 37,030 183 13,429 58,508 290 44,289 37,027 183 9,403 58,506 29042 65,923 35,039 173 12,905 54,781 271 42,228 35,042 173 8,878 54,783 27143 63,342 33,100 164 12,368 51,133 253 40,349 33,097 164 8,383 51,132 25344 60,795 31,192 154 11,823 47,554 235 38,631 31,189 154 7,910 47,552 23545 58,297 29,317 145 11,261 44,042 218 36,935 29,319 145 7,423 44,043 21846 55,996 27,488 136 10,715 40,604 201 35,322 27,486 136 6,937 40,603 20147 53,734 25,686 127 10,155 37,228 184 33,849 25,691 127 6,461 37,231 18448 51,542 23,929 118 9,592 33,924 168 32,489 23,929 118 5,996 33,924 16849 49,407 22,197 110 9,024 30,680 152 31,192 22,199 110 5,532 30,681 15250 47,441 20,507 102 8,467 27,504 136 29,995 20,507 102 5,071 27,504 13651 45,446 18,843 93 7,884 24,385 121 28,962 18,846 93 4,617 24,388 12152 43,523 17,218 85 7,288 21,333 106 28,032 17,216 85 4,151 21,332 10653 41,687 15,620 77 6,680 18,337 91 27,224 15,622 77 3,669 18,338 9154 39,856 14,056 70 6,048 15,400 76 26,461 14,056 70 3,159 15,400 7655 38,047 12,523 62 5,406 12,523 62 25,800 12,522 62 2,633 12,522 6256 35,825 11,019 55 5,312 11,019 55 24,756 11,019 55 2,694 11,019 5557 33,351 9,544 47 5,165 9,544 47 23,427 9,544 47 2,725 9,544 4758 31,067 8,098 40 5,026 8,098 40 21,806 8,098 40 2,715 8,098 4059 28,707 6,681 33 4,854 6,681 33 20,194 6,681 33 2,693 6,681 3360 26,555 5,291 26 4,695 5,291 26 18,681 5,291 26 2,671 5,291 2661 24,543 3,928 19 4,330 3,928 19 17,206 3,929 19 2,427 3,929 1962 22,679 2,593 13 3,995 2,593 13 15,836 2,593 13 2,209 2,593 1363 20,881 1,284 6 3,676 1,284 6 14,528 1,284 6 2,012 1,284 664 19,202 0 0 3,382 0 0 13,293 0 0 1,857 0 065 17,607 0 0 3,107 0 0 12,193 0 0 1,734 0 0


Male Non-Tobacco Male TobaccoPremium to Life Policy and




10 Years

3211 Page 10 of 31 CN15-049



0 188,988 163,777 744 9,725 296,331 1,345 NA NA NA NA NA NA1 188,988 159,307 723 11,914 287,944 1,307 NA NA NA NA NA NA2 188,988 154,924 703 13,598 279,721 1,270 NA NA NA NA NA NA3 188,988 150,628 684 14,953 271,659 1,233 NA NA NA NA NA NA4 188,988 146,416 665 16,039 263,756 1,197 NA NA NA NA NA NA5 188,988 142,286 646 17,024 256,008 1,162 NA NA NA NA NA NA6 188,988 138,238 628 17,882 248,411 1,128 NA NA NA NA NA NA7 188,988 134,269 610 18,680 240,963 1,094 NA NA NA NA NA NA8 188,988 130,377 592 19,466 233,662 1,061 NA NA NA NA NA NA9 188,988 126,562 575 20,188 226,503 1,028 NA NA NA NA NA NA

10 188,988 122,822 558 20,874 219,485 996 NA NA NA NA NA NA11 188,988 119,155 541 21,541 212,605 965 NA NA NA NA NA NA12 188,988 115,560 525 22,229 205,859 935 NA NA NA NA NA NA13 188,988 112,036 509 22,936 199,246 905 NA NA NA NA NA NA14 188,988 108,581 493 23,710 192,763 875 NA NA NA NA NA NA15 188,988 105,193 478 24,483 186,406 846 NA NA NA NA NA NA16 188,988 101,872 463 25,247 180,174 818 NA NA NA NA NA NA17 188,988 98,616 448 26,005 174,065 790 NA NA NA NA NA NA18 160,759 95,423 433 22,757 168,075 763 128,803 95,423 433 24,407 168,075 76319 157,471 92,242 419 22,885 162,188 736 125,992 92,294 419 24,175 162,203 73620 154,220 89,175 405 22,982 156,431 710 122,587 89,225 405 23,817 156,445 71021 150,118 86,217 391 22,896 150,801 685 118,692 86,217 391 23,336 150,801 68522 145,309 83,268 378 22,643 145,267 660 114,518 83,268 378 22,767 145,267 66023 139,945 80,339 365 22,236 139,831 635 110,052 80,377 365 22,105 139,842 63524 134,179 77,506 352 21,695 134,513 611 105,966 77,513 352 21,476 134,515 61125 128,803 74,763 339 21,149 129,309 587 102,131 74,735 339 20,856 129,300 58726 123,902 72,039 327 20,630 124,197 564 98,145 72,039 327 20,186 124,197 56427 119,361 69,368 315 20,130 119,185 541 94,074 69,368 315 19,461 119,185 54128 115,088 66,724 303 19,641 114,263 519 89,975 66,730 303 18,718 114,265 51929 111,160 64,157 291 19,193 109,446 497 85,898 64,163 291 17,971 109,448 49730 107,445 61,664 280 18,756 104,731 475 81,856 61,647 280 17,218 104,725 47531 103,547 59,175 269 18,265 100,093 454 78,202 59,197 269 16,533 100,100 45432 99,452 56,777 258 17,711 95,561 434 74,838 56,777 258 15,899 95,561 43433 95,274 54,405 247 17,127 91,110 414 71,751 54,405 247 15,311 91,110 41434 91,433 52,080 236 16,575 86,747 394 69,134 52,080 236 14,807 86,747 39435 87,556 49,786 226 15,991 82,464 374 66,702 49,800 226 14,333 82,469 37436 84,301 47,552 216 15,502 78,270 355 64,418 47,556 216 13,877 78,272 35537 81,567 45,374 206 15,080 74,164 337 62,301 45,366 206 13,435 74,161 33738 79,276 43,226 196 14,707 70,133 318 60,147 43,218 196 12,952 70,130 31839 77,133 41,108 187 14,329 66,176 300 58,150 41,120 187 12,464 66,181 30040 75,081 39,044 177 13,937 62,302 283 56,269 39,055 177 11,965 62,307 28341 72,675 37,020 168 13,443 58,503 266 54,250 37,030 168 11,400 58,508 26642 69,992 35,036 159 12,872 54,780 249 52,135 35,046 159 10,783 54,784 24943 67,089 33,100 150 12,229 51,133 232 50,059 33,100 150 10,151 51,133 23244 64,239 31,192 142 11,574 47,554 216 48,042 31,186 142 9,507 47,551 21645 61,457 29,317 133 10,917 44,042 200 46,182 29,322 133 8,877 44,044 20046 58,905 27,488 125 10,285 40,604 184 44,375 27,488 125 8,241 40,604 18447 56,407 25,686 117 9,649 37,228 169 42,546 25,691 117 7,593 37,231 16948 54,123 23,924 109 9,043 33,922 154 40,784 23,929 109 6,957 33,924 15449 52,007 22,201 101 8,462 30,682 139 39,101 22,201 101 6,339 30,682 13950 50,059 20,507 93 7,907 27,504 125 37,546 20,505 93 5,748 27,503 12551 47,943 18,846 86 7,331 24,388 111 35,998 18,846 86 5,165 24,388 11152 45,906 17,215 78 6,769 21,330 97 34,413 17,216 78 4,582 21,332 9753 43,695 15,620 71 6,192 18,337 83 32,914 15,620 71 4,018 18,337 8354 41,687 14,056 64 5,652 15,400 70 31,498 14,057 64 3,474 15,401 7055 40,139 12,523 57 5,177 12,523 57 30,116 12,523 57 2,940 12,523 5756 37,358 11,018 50 5,071 11,018 50 27,998 11,019 50 2,950 11,019 5057 34,780 9,543 43 4,969 9,543 43 26,067 9,544 43 2,965 9,544 4358 32,348 8,098 37 4,865 8,098 37 24,306 8,098 37 2,983 8,098 3759 29,798 6,681 30 4,716 6,681 30 22,610 6,681 30 2,991 6,681 3060 27,998 5,291 24 4,661 5,291 24 21,018 5,291 24 2,994 5,291 2461 25,771 3,929 18 4,316 3,929 18 19,349 3,928 18 2,751 3,928 1862 23,772 2,593 12 4,005 2,593 12 17,828 2,593 12 2,529 2,593 1263 21,912 1,284 6 3,712 1,284 6 16,339 1,284 6 2,310 1,284 664 20,104 0 0 3,424 0 0 14,890 0 0 2,095 0 065 18,438 0 0 3,155 0 0 13,596 0 0 1,899 0 0






10 Years

3211 Page 11 of 31 CN15-049

american benefits exchange pitch book · pitch book . american benefits exchangeis not connected...

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