SAGICOR LIFE INC · Sagicor Life Inc Information about the Company July 1, 2006 Page A1.2 Sagicor offers a wide range of products and services including: • Life and Health Insurance

1 July 2010

SAGICOR LIFE INC

RATE BOOK

TABLE OF CONTENTS

SECTION A -INFORMATION ABOUT THE COMPANY

SECTION B – GENERAL INFORMATION 1. GENERAL INFORMATION FOR SAGICOR ADVISORS 2. PAYMENTS TO POLICYHOLDERS 3. REINSTATEMENTS AND CHANGES 4. REPLACEMENT RULES AND REGULATIONS 5. UNDERWRITING REQUIREMENTS

SECTION C – PLANS AND RATES

1. UNIVERSAL LIFE 5. TERM PLANS 1A Life Saver II 1-Feb-07 5A Term Plans 1-July-10 1B Junior Life Saver 1-July-06 Description 1C Millennium Saver 1-July-06 5B 5 Year Renewable 1-July-06 1D Registered 1-July-06 Term Retirement Plan 5C 20 Year Term 1-July-10 5D Term to Age 65 1-July-10 2. TRADITIONAL LIFE 5E Term to Age 70 1-July-10 2A Whole Life 1-July-06 5F Term to Age 75 1-July-10 2B Life Paid up at 65 1-July-06 5G Term to Age 80 1-July-10 3. ENDOWMENTS 6. ANNUITIES 3A 15 Year 1-July-06 6A Deferred and 1-Jan-04 3B 20 Year 1-July-06 Immediate Annuities 3C To age 60 1-July-06 3D To age 65 1-July-06 7. ADDITIONAL BENEFITS 7A Accidental Death & 1-Sep-03 4. SPECIAL PLANS Dismemberment 4.1 Sagicor Life

Solutions 1-July-10 7B Total Disability

Waiver of Premium 1-Sep-03

4A 21st Century Life 1-July-06 7C Payor’s Waiver 1-Sep-03 4B Peace Assured 1-Feb-07 7D Guaranteed 1-Sep-03 4C Life Protector III 1-July-10 Insurability 4D Triple Protector 1-July-06 4E Individual Health 1-July-06

INFORMATION ABOUT THE COMPANY

Sagicor Life Inc Information about the Company

July 1, 2006 Page A1.1

SAGICOR FINANCIAL CORPORATION (SAGICOR)

Sagicor Financial Corporation is synonymous with world-class financial services in the Caribbean. This dynamic, indigenous company, with a proud history dating back to 1840, is redefining financial services. Operating in 20 countries throughout the Caribbean, Latin America and the US, Sagicor has developed an incomparable reputation because of its financial stability. That solid reputation is based on the Company’s excellent financial performance, with total assets of BDS $6.4 billion, and financial prudence over the years. Confidence in the Company is clearly reflected in Sagicor’s A (Excellent) Rating from A.M. Best, for seven consecutive years based on an assessment of the financial strength, strategic management and operating effectiveness of the Group. Sagicor’s vision is “To be a great Caribbean company committed to improving the lives of the people in the communities in which it operates.” Also during 2005, Sagicor applied to Standard and Poor’s (S&P) for a financial strength rating for which S&P gave Sagicor Life Inc, Sagicor’s principal operating company, a financial strength rating of BBB+. This is an excellent rating and demonstrates the financial strength and operating capability of the Sagicor Group. Sagicor continues to execute its business strategy of streamlining its existing operations, expanding into new geographic markets and into new product markets, and this strategy continues to drive Sagicor’s exceptional results. During 2005, Sagicor made five acquisitions. These included a majority interest in Pan Caribbean Financial Services Limited and certain insurance businesses of First Life Insurance Company in Jamaica. In September 2005, Sagicor made an historic entry into the US financial services market through the acquisition of 100% of Laurel Life Insurance Company and its wholly owned subsidiary American Founders Life Insurance Company (AFL). AFL has now been re-branded as Sagicor Life Insurance Company. Through this acquisition, Sagicor now has licences to operate in 41 states and the District of Columbia and is confident that this strategic acquisition will facilitate the growth and development of Sagicor in the USA. Sagicor also acquired a controlling interest in Cayman General Insurance Company Limited. At the end of 2005 Sagicor acquired a 20% interest in FamGuard Corporation Limited, the parent company of leading Bahamian insurance provider Family Guardian Insurance Company Limited. This acquisition is in keeping with Sagicor’s strategy of geographic expansion, and gives the Sagicor Group a stronger position in the lucrative Bahamian financial services market.

Sagicor Life Inc Information about the Company

July 1, 2006 Page A1.2

Sagicor offers a wide range of products and services including:

• Life and Health Insurance • Annuities and Pensions • Property and Casualty Insurance • Asset Management • Investment Services • Merchant Banking • Securities Brokerage • Mutual Funds and • Real Estate Development

Sagicor is also uniquely placed to partner with businesses and individuals to provide financial solutions to a growing local, regional and international clientele. Sagicor offers the confidence to customers, policyholders, partners and regulators that comes with a history of success and a strong financial record. As a brand, it has significant equity with individual customers, private sector organisations and institutions. Sagicor has a solid reputation for stability and good financial performance and is well known for financial prudence. Under its new brand proposition, it offers “Wise financial thinking for life”; and this is delivered through a team of highly motivated, well-trained financial advisors across the region. Sagicor’s strategic direction recognises the need to respond to the challenges of globalisation by concentrating on long-term customer relationships. In addition, it focuses on service integration and partnering in an increasingly inter-connected world, recognising the need to offer comprehensive integrated solutions to customers world-wide.

ADVISOR’S INFORMATION

Sagicor Life Inc Advisors’ Information

July 1, 2006 Page B1.1

GENERAL INFORMATION FOR SAGICOR ADVISORS

INTRODUCTION The purpose of this Rate Book is to document the Company’s rates and to provide guidance on the Company’s rules, regulations and instructions. Reference should also be made to the Advisor’s Agreement since many of these rules, regulations and instructions form part of said agreement. This Rate Book is designed to assist the Advisor in his daily work and to cover points met in practice which are too lengthy to be set out directly in the Advisor’s Agreement. Any rules, regulations or instructions set forth are based upon the Company’s experience as to the essentials necessary to manage the business effectively, efficiently and economically. It will be found that strict observance of these rules, regulations and instructions will greatly expedite the handling of the Advisor’s business. For the purpose of this document, the term “Advisor” is used to refer to any Financial Representative or Financial Advisor acting on behalf of Sagicor Life Inc. (the “Company” or “Sagicor”). For ease of reading, male pronouns are used throughout the Rate Book. From time to time, alterations, deletions and additions will be made to this Rate Book. In order to facilitate these changes and to ensure that each Advisor is using the most recent information available, the Actuarial Department will issue an updated electronic Rate Book on the first day of every quarter, along with a Memorandum highlighting any changes or modifications. Revised pages should be printed and inserted into the Rate Book binder. Supplementary information or instructions may be communicated to the field force through pamphlets, circulars, bulletins, electronic messages or via the Agency Managers. The company reserves the right of final judgement on the interpretation of any of its rules, regulations and instructions and their application in any and all circumstances. ADVISORS’ CONDUCT Advisor’s Authority: An Advisor’s authority to represent the Company is strictly limited to the terms of his Contract and by the rules, regulations and instructions of the Company as announced from time to time. In particular, the Advisor may not change or add to any policy contract, or waive the conditions of any policy contract, or in any other way change the Company rules, regulations or instructions. The Advisor shall not, without the written consent of the Company, institute legal proceedings in connection with the transaction of the company’s business whether or not such proceedings would be taken in the name of the Company. An Advisor shall, in all respects, conform to the statutory requirements governing the conduct of the Company’s business. The Advisor should obtain a copy of the Insurance Act and familiarize himself with the salient features of the Act. Contract, Licence and Bond: An individual may be authorized to act as an Advisor of the Company only after he has a licence from the jurisdiction in which he operates and has become covered by the terms of the guarantee bond maintained by the Company for all its Advisors. The inability of the Company to maintain such a bond with respect to an Advisor shall automatically terminate his contract with the Company.



All cheques for premium payments should be made payable to Sagicor Life Inc., not to the Advisor personally. All applications for insurance, along with any reports relating to the application, are the property of the Company and should be forwarded immediately to the Company. An Advisor shall return at the proper time, or on demand, all unsettled policies, funds, notes or receipts sent to him for collection. The Advisor shall also render full and true accounts of all transactions at such times as the Company may prescribe. It is expressly stipulated that any violation of these conditions, which in the opinion of the Company amounts to dishonest or improper conduct on the part of an Advisor, shall result in a forfeiture to the Company unconditionally of all claims whatsoever accrued to, or to accrue to, an Advisor under his Contract, and shall immediately terminate his Contract, but nothing herein shall be construed to affect any claims of the Company against an Advisor. An Advisor shall keep a regular and accurate statement of transactions for the Company. All books of account, letters, documents, vouchers and other books and papers connected with such business of the Advisor are and shall continue to be the property of the Company, whether paid for by the Advisor or not, and should be open to the Company, at any time, for the purpose of examination, and shall be delivered to the Company or its deputy upon the order of the Company, or upon the termination of the Advisor’s Contract. An Advisor shall sustain any losses which may occur In consequence of advances made by him for premiums for other purposes. Any expenses incurred by the Company in the collection of a premium shall be a first charge against any commission due to an Advisor. Business Credits: The Company will give credit and pay commission to the person who signs his name on the application as Advisor. However, the Advisor signing his name may indicate in writing that some other Advisor is entitled to credit and commission or entitled to a percentage of the credit and commission. When two or more Advisors share in such an arrangement, the percentage split must apply to both first year and renewal commissions alike. In all cases, the sum of the percentage allocations must total 100%. Long Distance Telephone, Faxes And Telegrams: Long distance calls, facsimile transmissions, or telegrams instigated by an Advisor are at his own expense. If such calls are made through Sagicor Life facilities, the relevant administrative personnel should be informed immediately and the charges remitted promptly. Head Office and Branch Office staff are not authorised to accept collect long distance calls or COD packages. Rebates and Discrimination Forbidden: Most insurance laws forbid any discrimination in the rates of premiums charged or in the amount of profits paid on similar policies. It is also illegal to give or to receive either directly or indirectly any rebate of commission. In addition to immediate dismissal by the Company for violation of these rules, other penalties are prescribed by the Insurance Act. Heavy penalties may be imposed not only on the Advisor, but also on the Officers of Sagicor and the Policyholder, if these laws are violated.



Discontinuance of Other Policies: The law expressly forbids an Advisor from influencing a policyholder either directly or indirectly to discontinue a life insurance policy. The Advisor must clearly understand his responsibilities when such a situation arises and adhere strictly to the rules set out for his guidance. If information comes to any Advisor of the Company that anyone has influenced a policyholder to discontinue a Sagicor policy and replace it in another company, the Sagicor Advisor should investigate the case immediately. However, before making any complaint, the Advisor should try to secure a signed statement from the policyholder that “Mr. Blank of the Blank Company urged me to replace the Sagicor policy because of the following reasons, etc.” This statement should be sent immediately to the Sagicor Head Office. If such statement is not secured in advance, it is often very difficult to secure the evidence necessary to prosecute the case successfully. Purchase of Policies: Advisors of the Company must not, under any circumstances, purchase or accept assignments of Company policies on the lives of Company policyholders. Trafficking In Life Insurance: Advisors or other employees of Sagicor are not permitted to engage in any transaction with respect to any applicant or policyholder which could be considered in the nature of trafficking or trading in life insurance policies for the purpose of procuring the sale, surrender, transfer, assignment, pledge or hypothecation thereof to himself or any other person. Most insurance laws include a provision that any Advisor found guilty of "twisting" shall be required to show cause why his license to act as an insurance Advisor should not be cancelled or suspended. In any case where new life insurance is being applied for to replace life insurance in this or any other company, the Advisor concerned shall be required to furnish a letter or report with the application giving in full the reasons for the application for new insurance. More details may be found in Section B4 of this Rate Book, “Replacement Rules and Regulations”. Channels of Communications: In no instance should a document be sent directly to Sagicor Head Office. The regular channel for correspondence is from the Advisor to his Manager, then to Head Office. RATE BOOK PREMIUMS The premiums shown in the Rate Book are generally for units of $1,000 sum insured. Premiums on the traditional series of products are on the continuous or earned premium basis which means that, in the event of the death of the insured, the portion of the premium paid beyond the end of the policy month in which death occurs will be refunded and paid with the sum insured to the beneficiary.



Policy Premiums: The premium for a policy is obtained from the Rate Book premium by multiplying the Rate Book premium by the amount of the policy (using the proper number of $1,000 units or other units) and adding the policy fee applicable, taking the result to the next higher cent in the case of annual premiums or the next higher dollar in the case of single premiums. Premiums are to be taken at the insured’s age nearest birthday on the first regular due date of the policy.

FeePolicyRateemiumPInsuredSumemiumPAnnual _**_r*1000

_r_ +

×=

* assumes that the premium is for units of $1,000, as described in the first paragraph of this section. If the premium rate is for a different unit, the correct unit should be used in the above equation. ** Premiums are based on age-nearest birthday

Payment Frequency: It is most desirable that policies be issued with premiums payable annually, experience having proved that annual premiums are most satisfactory from the point of view of the policyholder, the Company and the Advisor. Non-annual or fractional premiums are obtained from the annual premium for the amount of the policy in question including the policy fee by converting the total annual premium by means of the following procedures:

a) For semi-annual, multiply by 0.51, b) For quarterly, multiply by 0.26, c) For regular monthly, multiply by 0.0875

Where the conversion method differs from the above, it will be detailed in the product description (Section C) for that plan. Minimum Premiums: Each plan has it’s own specific minimum premium rules. In general, the absolute minimum premium is $25.00 per month; however a lower premium may be permitted:

a) On monthly premiums for children’s policies, or b) On policies issued for education purposes.

Back Dating a Policy: Subject to any legal restrictions, the Advisor may request to date a policy back for a short period so that the applicant may obtain the advantage of the premium at a younger age. However, interest on the premium(s) will be charged for the back-dating period. Such requests must be specifically stated on the application form and in no circumstances may the policy be back-dated for more than six (6) months. Substandard Risks / Higher than Average Mortality: The premiums quoted throughout the Rate Book apply to lives acceptable at the standard rate based on the insured’s gender and smoking status. If the Underwriting Department classifies a potential insured as a substandard risk, that is, the insured has a higher than average mortality rating, the Company may issue the policy with an extra premium charge or the Company may decline coverage entirely. The Advisor should advise the policyholder to complete the underwriting forms as accurately and completely as possible, as it is in the policyholder’s best interests to do so. Any errors or omissions on the underwriting forms may cause the policy to be voided.



MAXIMUM AND MINIMUM POLICY AMOUNTS Minimum policy sizes are set out in the description of each plan as seen in Section C of the Rate Book. The Company has set no upper limit of insurance that may be taken out on any one life, any such amount being determined by various factors taking into consideration the individual risk and the possibilities of reinsurance. POLICY FEE Policy Fees vary by type of plan. The applicable policy fee is shown in the description of each plan as seen in Section C. DATING POLICY CONTRACTS Policy contracts are dated on one of the following four days in a month: 7th, 14th, 21st, 28th. This becomes the Effective Date of the contract. Effective dates are established under the following criterion unless a special request is made on the application form: If the first premium is paid before acceptance, then the policy is dated using one of the above days (7th, 14th, 21st, 28th) nearest the acceptance date. e.g. Premium paid 24th January Policy accepted 29th March Policy dated 28th March If the first premium is unpaid at acceptance, then the policy is dated using one of the above days (7th, 14th, 21st, 28th) nearest to the date of payment. e.g. Policy accepted 12th June 2002 Premium paid 15th August 2002 Policy dated 14th August 2002 In establishing an issue date for a new policy, care should be taken to ensure that the policyholder's age does not change in light of a new issue date. In other words, a policyholder may be a specific age when the application is written up but if the policy is dated six months after the date of the application the policyholder's issue age will change. This will in most circumstances trigger a change in premium. The two options available in this situation are as follows:

(1) Backdate the contract to obtain the benefit of the lower age. Here the policyholder must pay any back premiums plus interest, or

(2) Calculate the premium at the new age. In these situations, a consultation with the client is necessary. It is prudent to have the policyholder's decision in writing before proceeding. A memo must be written from the Underwriting Department to the Advisor describing both situations and a confirmation received from the Advisor in writing, before proceeding. The above procedures will be adhered to and on no account will the date of a contract be changed after issue.



GENERAL POLICY PROVISIONS: The Policy Contract: The Policy and the Application (a copy of which is attached to the policy) constitute the contract between the Insured and the Company. Grace: A period of one month, but not less than thirty days, after the premium due date is allowed for payment of renewal premiums without interest. Incontestability: Policies become incontestable after two years in force during the lifetime of the insured except for non-payment of premiums and except for fraud. The Total Disability Provision is always contestable by the Company and is not covered by the incontestability provision at any time. In the case of reinstatement following lapse, a further two year period commences from the date of reinstatement before the contract becomes incontestable. Reinstatement: A policy, if not surrendered, may be reinstated within five years of date of lapse upon the payment of overdue premiums with interest and upon the submission of evidence of insurability satisfactory to the Company. Some older policies may have different reinstatement requirements and the policy contract should be consulted for specific details. Residence, Travel, Occupation and Aviation: There are no restrictions generally placed upon residence, travel, occupation or aviation activities. Questions in the applications are designed to furnish the Company with enough information to enable it to appraise the risk where any unusual hazard exists. In such cases, restrictions or extra charges may be necessary. Dividends and Bonus: Sagicor Life no longer issues participating policies however with respect to existing participating policies either dividends or bonus will be applicable depending on the type of contract. Where a policyholder is entitled to receive dividends, the level of dividend declared in each year is not guaranteed and may change from time to time. Dividends are automatically left to accumulate on deposit with the company. The rate of interest paid on dividends on deposit is not guaranteed and this should be clearly stated in any documents provided to the policyholder. Policyholders have the option to withdraw part or all of their dividends on deposit in cash as required. Such withdrawals may also be used to reduce the premium, or to reduce policy loan indebtedness. Where a policyholder is entitled to bonuses rather than dividends, these are currently declared every three years. At such time, a compound reversionary bonus is added in respect of the three preceding years and the rate of interim bonus for the next three years is declared. Accrued bonus is payable in full at death or maturity only, but may be surrendered for cash at an earlier time for a reduced amount. Any projections carried out for existing participating policies must state clearly that the projected dividend or bonus amounts are not guaranteed and may change.



INSURABLE INTEREST AND FINANCES Only a general outline can be furnished of what are considered the maximum limits of insurance in various circumstances. So far as the purpose of insurance is concerned, there are two broad classifications: personal insurance and business insurance. Quite often, what is sold as business insurance is, in effect, personal insurance for the benefit of family. From an underwriting perspective, insurance for the purpose of a cash amount at death, such as family maintenance, income for spouse, education funds for children, repayment of creditors, mortgage insurance, charitable bequests and payment of estate taxes, all come under the category of personal insurance. While legally a person has an unlimited insurable interest in his own life, the Underwriting Department must regard life insurance as a contract of indemnity and try to limit the amount on an individual life to the financial loss the beneficiary would suffer by the death of the insured. Where one person is applying on the life of another person, certainly the amount must bear a reasonable relationship to the loss that the applicant would suffer by the death of the insured. Applications for insurance on the lives of elderly dependent parents made by self-supporting children will generally not be accepted. The Advisor can expedite action on applications for larger amounts by explaining the purpose of the insurance applied for and by furnishing as much information as possible about the finances of the life to be insured. In cases of $1,500,000 or more, the “Personal Confidential Statement” form should be completed by the Advisor to supply such information. The information is essential in the case of corporation or partnership insurance to explain insurable interest. It is helpful, too, where the insurance is a requirement for estate taxes. Sometimes, a copy of the Advisor’s presentation for the sale would help the Underwriting Department understand the need for the insurance. Where the Accidental Death and Dismemberment (AD&D) Benefit is applied for in larger cases, the Advisor should explain the need for such additional coverage. The Benefit may not be granted on business insurance, but, where an exception is made, the total involved, including the AD&D Benefit at face amount, should fall within regular limits for business insurance. The factors shown under “Personal Insurance Limits” will generally be applied to the income of the life to be insured to include all insurance carried and applied for, personal and business. BUSINESS INSURANCE Where application is being made by a partner or a corporation on a life, an explanation of the purpose along with financial information should accompany the application. The “Personal Confidential Statement” form for use in larger applications, $1,500,000 or over, will furnish the Underwriting Department with the information required. If proportionate insurance is not carried or applied for on the lives of other comparable members of the partnership or corporation, a complete explanation should be given.



Keyman Insurance: This is designed to cover a corporation for the loss of valuable employees. It will not be issued for an amount to exceed the future value of the life to be insured to the corporation. The outside maximum would be insurance to the extent of five times the salary paid the life to be insured. It will not be considered if there are other keymen not already insured or being insured. Very rarely would it be considered necessary to effect keyman insurance to cover a mortgage or bond issue backed by tangible property. Keyman Insurance can only be issued as Five Year Term policies. Stock Purchase: Such insurance is to cover the lives of partners or officers of a corporation who hold all or most of the stock and are actively engaged in the business. The amounts involved should represent their value in the corporation. At death, the policy proceeds are used to purchase shares for the benefit of the survivors to enable them to maintain control of the corporation. Generally, this type of insurance will not be issued for an amount greater than the market value of the share of the life to be insured. It will not be considered unless all partners or major stockholders are insured or being insured. Creditor Insurance: While this form of coverage is usually considered as business insurance, it is actually personal insurance because, at the death of the life insured, the debt is cancelled and the estate value increases accordingly. There is no increase in insurable value because of a debt. If insurance is the only probable means of repayment, such coverage is not justified. APPLICATION AND MEDICAL FORMS Application Forms: The application forms consist of two parts: Part 1 (the basic application form) and Part 2 (the medical form). The Part 1 forms available for use are as follows:

Regular Part 1 – Application for Insurance: For universal life type plans (except deferred annuities such as Millennium Saver) and traditional insurance (permanent and term insurance) Regular Part 1 – Application for Annuities: For use with deferred annuity type plans (e.g., RRSP, Millennium Saver) and immediate annuities Part 1 – Application for Peace Assured: For the Peace Assured plan only.

The Part 2 forms available for use are:

Part 2 – Medical: For use with all adults Part 2 – Medical Children: For use with children under the age of 18 years.



COMPLETION OF APPLICATIONS The application is the original document which forms the basis of the policy contract between the Company and the insured. It may include supplementary forms which, by agreement, form part of the application. It is important, therefore, that it be completed with the same care that would be followed in the completion of any legal document involving substantial sums of money and matters of importance. All application forms are to be completed legibly and clearly in ink so that a distinct photocopy can be made. Pencil should not be used. Each question is to be read to the life to be insured (and owner where necessary) in the presence of the Advisor. Any amendments or additions made to the application after it has been signed must be initialled by the life to be insured (and owner, where necessary) and by the Advisor. Ditto marks and abbreviations should not be used. Every application must be complete in itself and references are not to be made to previous applications or to notes and letters which might accompany the application unless such notes or letters are signed by the life to be insured and witnessed. However, any information which might have a bearing on the Company’s action on applications should be passed on to the Company, even if such information may not be requested in the application itself. Amendment Forms may be necessary if clear particulars are not secured in the first place. The Advisor should eliminate the necessity for such forms by supplying all details at the time of application. The Underwriting Department bases its decision to a large degree on the information provided by the Advisor. Listed below are points to be especially observed.

COMPLETING PART 1 Name: Print the name of the life to be insured in full, being careful to show the full given names. If the insured has two given names, underline the one which is ordinarily used. For example, an individual with the full name of John Thomas Smith may ordinarily sign his name as J. Thomas Smith, and use the name Thomas as his given name. His name should appear on the application as John Thomas Smith and his full corresponding signature should appear on the application. The Advisor should check the signature with the spelling of the name at the top of the application. Also, if possible, the Advisor should ensure that both agree with the way the name appeared on previous applications to the Company. Residence: If the Advisor finds that the life to be insured has resided for less than two years at his present address, he should obtain all addresses over a period of at least two years and record this information in the space provided. Birthdate and Birthplace: The Advisor should ensure that the stated age agrees with the birthdate recorded and that the birthdate and birthplace agree with those shown in any former applications. Occupation: A complete description of the occupation is required including details of any part-time occupations. The occupational rating in the Rate Book should be consulted and any extra required should be included in the premium.


July 1, 2006 Page B1.10

If the life to be insured has been engaged in his present employment for less than two years, the names of former employers, addresses, etc., should be recorded in the space provided. The application includes a question about a possible change of occupation. If such a change is contemplated, any rating required for the new occupation should be charged. Insurance History: Where the Advisor is aware of previous postponement or rejection, he will be responsible for any expenses incurred in connection with the application. Foreign Residence or Travel: Where the applicant is contemplating a lengthy trip or temporary residence overseas, an extra premium may be required based on the territory, climate, political conditions, etc. Where an extra premium is charged or in any case where there may be temporary residence overseas, the Disability and Double Indemnity Benefits may not be granted. Term plans are not usually available. A trip of a few months would not generally require an extra premium. Aviation: No rating is charged for scheduled passenger flying. If there has been any other type of flying or intention of any other type of flying, details should be recorded on the application. If the space provided is not adequate or if it appears that any rating may be necessary, the Aviation Questionnaire should be completed. Insurance in Force: The relevant questions are to be completed in all cases, whether there is insurance in force or not. One part of the question asks about the total in force and the total amount of Accidental Death Benefit carried. The word “none” should be the response if there is no insurance in force. Details are required for life insurance in force. Here again the word “none” should be recorded where applicable. Plan and Benefits: The Plan should be described in the same terms as used in the Rate Book. Where additional riders or benefits are to be included, the rider should also be described in the same form as used in the Rate Book and the period of premium payment and coverage are to be clearly indicated, particularly when they differ from the base plan. Payment Made with Application: The amount of the payment should be recorded. The second part of this question asks for confirmation of insurability provided the Part 2 has been completed prior to the date of completion of the Part 1 and payment of the settlement. If there has been any change in insurability, particulars should be given and in this event the Contingent Insurance Receipt should not be used. See the section on “Delivery of Policies and Contingent Insurance Receipt”. Beneficiary: The space provided for beneficiary must be completed in all cases. The full name of the beneficiary should be printed. If the beneficiary is a married woman, her given name should be recorded as, for example, Mrs. Mary Smith, not Mrs. John T. Smith. If the applicant does not wish to designate a named beneficiary, the question should be answered “Estate”. In the case of Endowment and 21st Century plans, the proceeds at maturity or at the time of bonus payment, are payable to the owner unless otherwise specified. Benefits payable under Critical Illness are payable to the Insured.


July 1, 2006 Page B1.11

Replacement of Life Insurance Policies (Twisting): An Advisor who induces a person to replace an existing policy of one company with a policy of another company may be guilty of an offence under the Insurance Act. When completing an application for a policy which is intended to replace or may replace a contract in Sagicor or any other company, a complete explanation of the circumstances should be provided in the application. Signature: The life to be insured should record his usual signature which is to be witnessed by the person present at the time of the signature. This should generally be the Advisor. Where it is impossible for the Advisor to do so, the “Producer’s Report” should explain the identity of the person acting as witness. It is not necessary for the Advisor to witness the signature on Part 1 to obtain credit for the business. Third Party Application: Where application is made by one individual on the life of another, the person applying must be legal age. This person, to be known as the Owner, is to sign in the space provided, with signature witnessed by the person present at the time of signing. The place of signing and the date are to be properly recorded. If a corporation is applying, the application is to be signed under the seal of the corporation. If this is not available at the time of the application, supplementary forms to be signed under the corporation seal will be required on delivery of a policy. However, a copy of the corporation minutes authorizing the application may be submitted instead. COMPLETING PART 2 Consultations with Physicians, etc.: The applicant should indicate the date of his last consultation with a doctor on his own behalf, not for some other member of the family. The dates, reasons and results of all consultations, medical examinations, special tests, etc., should be shown. Check-ups, etc.: It has been the Company’s experience that what may be termed “check-up”, “routine examination”, etc., are often consultations for symptoms of some complaint which may or may not be of underwriting significance. To avoid the necessity of having to write to the medical attendant on such check-ups, etc., it would be helpful if the Advisor were to make detailed inquiries to ascertain what symptoms prompted such a consultation and what advice was given the life to be insured by the attending physician. Full details elicited at the time of completion of the application could expedite action on the case. Family History: If any member of the family is not in good health, a full explanation should be given. For deceased family members, the details should be as specific as possible in recording the exact cause of death. If there is a family history of diabetes in the case of a non-medical application, a urinalysis will still be required. Medical History: Where there is a record of any illness, details are required such as dates, duration, results of treatment and names of attending physicians or hospitals. The list of individual impairments should be consulted for any special instructions. The Non-Medical Rules section lists the illnesses requiring a medical examination.


July 1, 2006 Page B1.12

Insured’s Signature: The life to be insured is to sign in the presence of the Advisor. A non-medical application is not acceptable unless completed in the presence of a Representative of the Company. The place of signing and the date should be properly recorded. Authorization to Write Medical Attendant: This should be completed in all cases even though it may not appear necessary to write any medical attendant.

ADVISOR’S REPORT Additional information required for underwriting but not necessarily forming part of the formal application and policy contract is to be given in the Producer’s Report. The Underwriting Department relies on the Advisor’s remarks and recommendations, and all information having any bearing on the insurability of the life to be insured should be furnished here unless already reported in some part of the formal application. Identification: Where the residence is rural, it is essential to know the location of the residence of the life to be insured so that any inspection may be made where required. A post office box number or a rural route number may not be at all helpful to the Inspection Company in their investigation. Special Hazards: The Advisor is expected to make inquiries and to inform the Company of any hazardous activity, habits or personal record that might affect the risk in any way. Where the space supplied in the report is not adequate, a memo or letter should accompany the application. Settlement: Besides reporting settlement on the Part 1, the Advisor is to indicate the amount of payment made in this report. The Company discourages any payment made by an Advisor on behalf of an applicant and if any such payment is made an adequate explanation must be furnished by the Manager. Third Party Application: In the case of corporation or partnership insurance, the Underwriting Department has to be satisfied as to the purpose of the insurance applied for, the insurable interest and that other executives or employees are insured as well or that applications are being made. If not, the circumstances are to be explained. Dependent Spouse: For a non-income earning spouse, insurable amounts should be limited to about 50%-60% of the amount on the income-earning spouse (if insurable) as the bulk of the coverage should be placed on the family breadwinner. However, the value of the non-income-earning spouse should not be ignored. The non-income-earning spouse may provide services to the family such as housekeeping, child care and elder care that would have to be forgone or purchased from outsiders in the event of their death. If the non-income-earning spouse has a large estate and investment income in his own right, larger amounts may be considered. Juveniles: This coverage is usually sold as a combination savings and insurance plan to guarantee future insurability and provide education funds for the child. The amounts allowed would be determined by the parents’ financial status and the amount of coverage they have. However, exceptions may be allowed if the premium is to be paid by the grandparents or if income from investments or a trust fund in the child’s name is being used to pay the premiums.


July 1, 2006 Page B1.13

If there are several children, one should not be insured to the exclusion of the others, and if such a situation arises, it should be fully investigated. Adopted children should be treated the same as naturally born children. Advisors’ Signatures: Where two or more Advisors participate in the application, they should sign the Advisor’s Report. Where only one Advisor is involved, only one signature is required. Instructions: The report contains brief instructions as to the Company’s regulations with regard to completion of application forms. These are to be followed in all cases. Persistency Rating Guide: Spaces 1-9 are to be filled in and the total added. If the Quality Rating score is not up to the minimum requirements, the application is not to be submitted unless the Manager is able to submit satisfactory reasons for making an exception, not an explanation of why the rating is low. Persistency Rating Guide: All Advisors whose persistency is 80% or below are required to complete a Persistency Rating Guide as displayed on page B1.14 for each case submitted. The Advisor should complete the Rating Guide at the end of an interview with a prospect. If the case does not reach the required score, and the applicant is unable to pay annually, the business should not be submitted. As the Underwriting Department will be unaware of an Advisor's persistency, the onus is on Branch Management to ensure that Guides are accurately completed, where required. The Underwriting Department will do an overview when underwriting the case.


July 1, 2006 Page B1.14

NAME:___________________________ COUNTRY: _________________________ PERSISTENCY RATING GUIDE POINTS ARE SCORED WITH REFERENCE TO THE PERSON WHO WILL PAY THE PREMIUMS RATING FACTOR SCORE 17 15 13 12 1. OCCUPATION Professionals Proprietors /Managers of large businesses Educational Workers with a degree or at least 10 years’ service Civil Servants with at least 10 years’ service

Office Employees Factory Supervisors Proprietors/Managers of small businesses Middle Management Army Officers Senior Police Personnel Semi-professionals (e.g. Lab Technicians, Nurses, Educational Workers) less than 10 years Civil Servants less than 10 years

Salespersons Store Clerks Skilled Workers Police Constables Army Personnel

Truck and Taxi Drivers Unskilled Workers Waiters and Waitresses Domestic Help Farm Labourers Security Guards

2. AGE 35 and over 29 to 34 25 to 28 16 to 24 3. ANNUAL INCOME $150,000 and over $75,000 to $149,999 $25,000 to $74,999 Under $25,000 4. AMOUNT OF TOTAL ANNUAL PREMIUM $12,000 and over $2,000 to $11,999 $401 to $1999 $400 and under 5. PREMIUM FREQUENCY Annual Semi-annual

Government/Salary Deduction (Monthly)

Quarterly Monthly Direct Debit

Ordinary Monthly

6. STABILITY OF EMPLOYMENT If no change in 3 years or over, or first job, add 3 points 7 INITIAL SETTLEMENT For cash in full with application add: 1 point for monthly or quarterly premium, 4 points for semi-annual premium, 7 points for annual premium.

8 PREVIOUS INSURANCE [ ] YES [ ] NO Add 3 points for insurance in force and if applicant is a policyholder of Sagicor Group. Deduct 6 points for previous Sagicor Group Individual Insurance terminated within 3 years, or if this policy is to replace insurance in this or any other company.

9 PRODUCER’S RECORD Add 4 points if Producer has been with Sagicor Group 3 years or more 10. TOTAL SCORE If total score is over 75 points, proceed with case. If under 75 points, premiums must be paid annually


July 1, 2006 Page B1.15

DELIVERY OF POLICIES AND CONDITIONAL INSURANCE RECEIPT The Company’s policies provide that they do not go into force until actual payment of the first premium and delivery of the contract while the insured is in good health and insurable. However, further provision is made where a Conditional Insurance Agreement Receipt, properly issued, governs. Conditional Insurance Agreement Receipt: A Conditional Receipt Book shall be made available to all active agents (not brokers) to facilitate the collection of first premiums from clients. These books contain Conditional Insurance Agreement receipts; therefore no other receipts should be subsequently issued for the particular payment. Whenever an Advisor accepts a first premium on an application that is pending acceptance, he should issue a Conditional Insurance Agreement Receipt. The application, payment and receipt book should then be presented to the Company’s cashier for processing. Conditional insurance is restricted to the amount shown on the Conditional Insurance Receipt, deducting from this limit the amount at risk by reason of previous insurance with the Company on the life. Any Accidental Death Benefits are included in the conditional insurance limit at full face amount. The Company urges the use of the Conditional Insurance Receipt to encourage settlement with the application. It protects the insurability of the life to be insured in the interval between the time of the application and the issue of the policy, provided the risk at the time of application is acceptable. The Receipt should not be used in any case where there is doubt as to the acceptability of the life to be insured.

PAYMENTS TO POLICYHOLDERS

Sagicor Life Inc Payments to Policyholders


PAYMENTS TO POLICYHOLDERS Payments to policyholders include:

• Death claims • Disability claims • Endowment maturities • Cash loans • Dividend/Bonus withdrawals, on existing participating policies • Surrender payments • Annuities and Pension payments

Death Claims: Sagicor wishes to pay every claim submitted as promptly as possible. To do so, the assistance and cooperation of the Agent is essential. As soon as the claim is reported, claim forms and full instructions for their completion will be issued. Sagicor’s requirements for processing a Death Claim are as follows:

1) Proof of Death: The Claimant must submit:

a) The Death Certificate of the Life Insured,

b) A completed Claimant’s Statement,

c) A completed Physician's Statement,

d) Evidence that the Claimant is legally entitled to receive the proceeds. If the proceeds are payable to the Estate of the Life Insured, the requirements are as follows:

i) If the Life Insured leaves a Will, a certified copy of the Letters Testamentary must be provided.

ii) If the Life Insured did not leave a Will, a certified copy of the Letters of Administration must be provided.

2) Proof of Age: The Birth Certificate of the Life Insured must be submitted, unless the age has been previously admitted.

3) The Policy: The policy contract should be submitted to Sagicor with all claim documents.

4) Assignments: If the policy is assigned, the original assignment document must be submitted to Sagicor.

5) Suicide: Death by suicide within the period specified by the suicide exclusion clause in the contract is not covered. This period is deemed to run from the date of issue of the contract, or from the date of the last reinstatement in the case of a policy that had lapsed.

6) Accidental Death: If death is accidental and the policy contains the Accidental Death and Dismemberment Benefit or Double Indemnity Benefit, the benefit will be payable in accordance with the terms of the clause. In cases of accidental death, Sagicor may require a copy of the Police Report or Coroner's Report before proceeding.



7) Expenses: The cost of obtaining all information to establish proof of claims must be borne by the Claimant.

Disability Claims: For disability claims the Life Insured must be continuously disabled for six months before benefits become payable. Claim forms should be requested as the end of this six-month waiting period approaches. These forms should be completed and submitted as soon as possible after the end of the period. Endowment Maturities: Shortly before the maturity of an Endowment, Sagicor will forward to the policyholder information regarding the projected maturity value of their policy. The policy document and proof of age must be submitted to Sagicor before payment of the maturity proceeds. If so elected by the policyholder, an Endowment policy with one year (12 months) or less to run to maturity date, can be discounted for early payment. The amount payable is computed by discounting the maturity value to maturity date at a rate of interest to be determined, and deducting any outstanding premiums. In any event, the discounted maturity value may not be less than the Cash Surrender Value of the policy Cash Loans: If a policy has a Cash Surrender Value, a cash loan can be made if allowed under the terms of the policy. Loans are available to a maximum of 90% of the Cash Surrender Value. Policy loans require the signature of the policyholder on Sagicor's Loan Assignment forms. If a beneficiary is named on the policy, it may be necessary to obtain the beneficiary's approval before proceeding with the loan. The policy contract must be submitted to Sagicor when a loan is effected and the policyholder is responsible for the payment of stamp duties associated with the transaction. Sagicor may defer the payment of a loan for a maximum of 90 days. Dividend/ Bonus Withdrawals: For existing participating policies, policyholders wishing to make partial or full withdrawals of either dividends on deposit or the cash value of bonus additions must complete and sign the relevant form. If the monies are to be applied towards the payment of premiums or repayment of a loan, this should be indicated. Surrender Values: If a request for surrender is received, every attempt should be made to conserve the business. The Agent should make every effort to have the policy continued. If the plan of insurance has proven to be too expensive, and the policyholder desires more affordable insurance, this may be best arranged by a conversion rather than by terminating the existing policy. The surrender of a policy results in a loss to the Agent, to the Company and most importantly, to the policyholder. If the surrender is unavoidable, the policy contract must be submitted to Head Office for cancellation. Again, if a beneficiary is named on the policy, the beneficiary's approval may be necessary before proceeding with termination. Sagicor may defer payment for a period not exceeding 90 days after the application for surrender is received. Annuity and Pension Payments: Cheques to cover payments under Annuity Policies and Pension Plans are forwarded by Head Office directly to the Annuitant or Pensioner, unless otherwise requested. Proof of age is required before payment commences and proof that the Annuitant or Pensioner is still living may be required from time to time. Sagicor informs The Department of Inland Revenue of all such payments and is entitled to withhold part or all of any payment for onward remittance to Inland Revenue if required.



Currency Control: If payment of any of the benefits listed above is required in a country other than the country where the policy or Deposit is registered, currency control permission is required. In such cases Sagicor will apply to the authorities on the Claimant's behalf. Proof that the Claimant is either a citizen or a permanent resident of the country where payment is to be made would then be required.

REINSTATMENTS AND

CHANGES

Sagicor Life Inc Reinstatements and Changes


REINSTATEMENTS AND CHANGES

Reinstatements Premiums are contractually due on or before the Due Date of the policy. For a traditional policy (i.e. Endowment, Life or Term), there is a grace period of 30 days given for the payment of premiums. If the premium remains unpaid at the end of the grace period, the insurance coverage terminates and the policy lapses, except where the policy has an Automatic Premium Loan provision and has sufficient value to advance the full premium under this provision. Where the Automatic Premium Loan provision cannot be invoked, (e.g. due to insufficient value), a Special Premium Payment Offer is granted. Under this offer the Company will reinstate the policy without evidence of insurability, provided the necessary premium payment is received during the lifetime of the Life Assured and on or before the expiry date shown on the notice. Applications for reinstatement will be proceeded with only if accompanied by payment of all indebtedness, including all overdue premiums. Such applications for reinstatement should be made on the “Application for Reinstatement and/or Policy Change and/or Addition of Benefits” form. Cases Issued at Normal Rates • Policies lapsed within six months - For ages 0 to 60, an “Application for Reinstatement and/or Policy

Change and/or Addition of Benefits” form is required. It should be noted that, where there is reinsurance involved, it may be necessary to consult the reinsurance company to ascertain whether they desire additional evidence of insurability. For ages 61 and over, if the policy has been lapsed in excess of three months, a full medical exam is required. The Underwriting Department reserves the right to ask for additional requirements.

• Policies lapsed in excess of six months - Underwriting requirements are the same as for a new

application of the same policy size. However, where a full medical work-up has previously been done (ECG etc.) and is on file, then only a medical exam, HIV test and ECG where indicated should be obtained in the first instance. Again, it should be noted that for some large cases, the reinsurer's input might be necessary. The Underwriting Department reserves the right to ask for additional requirements.

Cases Issued at Substandard Rates • Policies lapsed within three months - for all ages, an “Application for Reinstatement and/or Policy

Change and/or Addition of Benefits” form should be submitted for initial review. • Policies lapsed in excess of three months but less than six months - A medical exam accompanied

by any relevant questionnaires, should be submitted.



• Policies lapsed for over six months - Underwriting requirements are dependent on the policyholder

impairment, age and amount of coverage .e.g. a 60 year old late onset diabetic with $1 million of coverage would probably only require a medical exam, ECG and HBA1C. However, a 32 year old with a history of a myocardial infarction with $100,000 of coverage would need a medical exam, exercise ECG, chest x-ray and blood profile. It is prudent, therefore, to consult with the Underwriting Department (by either fax or memo) before proceeding.

Policies being reinstated for the second time Special circumstances hold where a policy has lapsed two or more times. If the contract is lapsed for less than six months, a medical exam is required unless there is a previous exam on file dated less than two months prior to the reinstatement application. In this situation, an “Application for Reinstatement and/or Policy Change and/or Addition of Benefits” form will suffice. It should be emphasized that all medical requirements are at the expense of either the policyholder or the Agent. The underwriters can, of course, request additional information at their discretion. Please note that the above rules are intended for general guidance. In all cases where there are Lapse and Reinstatement provisions included in the policy contract, such rules will take precedence. Redating This is a special method of reinstatement which allows the Policyholder to change the Original Issue Date of his contract to a later date. It is available as a means of conservation and assistance to the Policyowner whose policy has lapsed and who desires to revive the policy, but is unable to meet the full payments required to reinstate. Redating is available on Permanent Plans and Term Insurance plans, provided:- (a) The policy has been lapsed for more than six months but not more than three years for

permanent plans and one year for Term plans. (b) Any Automatic Premium Loan balance, where applicable, has been repaid in full at the time of

redating. (c) The Agent's Manager or Supervisor involved recommends that the policy be redated.

Redating requires: (1) Completion of “Application for Reinstatement and/or Policy Change and/or Addition Benefits”

form (see Appendix RD 1) which must be properly witnessed. (2) The Policy document.



(3) A fee of $50.00 local currency for an initial redate. A Term policy can be redated one time

only.

For subsequent redates of permanent plans, the fee is increased by $50.00 local currency from the previous fee. e.g. The first redate fee is $50.00, the fee for the second redate is $100.00, the fee for the third redate is $150.00 and so on, all stated in local currency.

(4) One current month's premium and payment of arrears if there is an age change. For sample calculation (see Appendix RD2) .

(5) Forwarding all required information and documentation to Policy Administration for processing. Additional medical information may be required. Please note that further medical information will be provided at the Policyowner's expense.

Policy Changes Policies written on several plans contain specific change privileges. Examples of these and the forms to be used are as follows:-

• Conversion from Term to a Permanent plan of insurance within the convertible period - Use ordinary Application for Insurance Form. - For partial conversion, a "Request for Change in Policy" form is also required.

• Change to reduced "Paid-Up" insurance

- Use “Request for Change in Policy” form

• Removal of benefits - Use “Request for Change in Policy” form

There are several other types of policy changes that are not provided for in the policy contract and which are generally permitted by Sagicor. These, along with the information required, are set out below:

• Premium frequency change - Use “Request for Change in Policy” form

• Decrease in Sum Assured

- Use “Request for Change in Policy” form

• Change to higher premium plan - Use “Request for Change in Policy” form

• Addition of a rider or benefits

-“Application for Reinstatement and/or Policy Change and/or Addition of Benefits” form

• Change of name -Submit documentary evidence (e.g. Marriage Certificate) - Use Request for Change in Policy Form



• Change in currency and/or area transfer

-Subject to permission from the Currency Control Authorities, Sagicor will consider changes in policy currency. A “Change in Currency Form” must be submitted. A new policy number will be given.

For all the changes listed, with the exception of a change in premium frequency and change of name, the policy document must be submitted for endorsement. The above list of changes is not intended to be all-inclusive, but illustrative of changes that may be made. Usually certain conditions must be fulfilled for a policy change to be permitted. It is therefore advisable to obtain specific advice from Head Office, or from the policy contract itself (if available) regarding any unfamiliar policy change provision. Under current practice a policy may generally be changed to a higher premium plan. However, after the first four policy years, a participating policy may not be changed to a non-participating policy and vice versa.

Age Changes If the Life Insured's date of birth had been incorrectly stated in the original application for insurance and the correct age is proven before the policy matures or before a death claim, a “Request for Change in Policy” form should be secured to request the necessary adjustment in the policy. Such adjustment would involve endorsing the policy to adjust the premium. It is advisable to contact the Head Office to determine details of the terms acceptable to Sagicor. Duplicate Policies (Lost Policies) Sagicor will favourably consider issuing a duplicate policy in lieu of an existing policy that has been lost or destroyed, subject to the following: 1. Completion of the “Loss of Policy” form. This form must be signed by the policyholder and any

assignee in the presence of a Justice of the Peace or equivalent. 2. An issue fee of $50.00 (local currency). 3. The placing of advertisements must appear in a Sunday issue (where available, otherwise two

advertisements in daily issues) of a leading newspaper published in the country where the policy was issued. If the policyholder is no longer resident in the country where the policy was issued, this notice must also be placed in a Sunday issue of a newspaper published in the city of residence of the policyholder.

If the Sum Insured of the lost policy is over $5,000 (local currency), the notice must also be placed in the Official or Government Gazette of the Country where the policy was issued.



Sample notices are set out below:

Former Life of Barbados policies

SAGICOR LIFE INC

[Name of Policyholder or Executor of Estate of Deceased Policyholder] of [Address], having

made sworn deposition that Policy No [Policy Number] issued or assumed by Life of Barbados Limited

prior to its amalgamation with Sagicor Life Inc. on his life (or “on her life” or “on the life of [Name of

the Deceased Policyholder]”) has been lost, and having made application to the Directors to grant a

duplicate of the same, notice is hereby given that unless objection is raised within one month of the

date hereof, the duplicate policy asked for will be issued.

Dated [Month and Day], [Year].

By Order

Corporate Secretary

Sagicor Life policies

SAGICOR LIFE INC

[Name of Policyholder or Executor of Estate of Deceased Policyholder] of [Address], having

made sworn deposition that Policy No [Policy Number] issued by Sagicor Life Inc on his life (or “on

her life” or “on the life of [Name of the Deceased Policyholder]”) has been lost, and having made

application to the Directors to grant a duplicate of the same, notice is hereby given that unless objection

is raised within one month of the date hereof, the duplicate policy asked for will be issued.

Dated [Month and Day], [Year].

By Order

Corporate Secretary

REPLACEMENT RULES AND

REGULATIONS

Sagicor Life Inc Replacement Rules and Regulations


REPLACEMENT RULES AND REGULATIONS It is our corporate philosophy that existing policies should not be replaced or exchanged unless it is clearly beneficial to the client. Even in cases where the change is advantageous, the policyholder should receive an accurate, understandable comparison of their existing insurance and any replacement insurance being proposed. With the advent of universal life type products such as “Life Saver”, there may be some benefits to replacing an existing contract with another plan, but it is expected that only a modest percentage of an Advisor’s production will be derived from replacements. Special care should be taken to ensure that there has not been a change in the health status of the client since the policy to be replaced has been issued. Please ensure that the client is carefully quizzed in this regard before proceeding. There have been a number of situations where a client’s medical profile has worsened dramatically yet the client has been motivated to cancel an existing policy and effect a new one at sub-standard terms. In some scenarios the client has failed to reveal salient adverse medical information resulting in the voidance of the new policy along with all of the equity accumulated in the policy that was rolled. SECTION 1 – PERMANENT INSURANCE It is anticipated that replacements (also known as roll-overs or exchanges) will fall into two groups:

• Group 1 The new policy is being effected in conjunction with the termination or surrender of an existing policy.

• Group 2 A new policy has already been effected followed by termination of an existing policy within 6 months.

The following procedures should be followed when dealing with replacements: Group 1 1) The applicant and the Advisor should complete a Replacement Application form (Form A), along

with the application for the new contract. The transactions set out on the Replacement Application must be authorized by the Unit Manager, who will sign the form and submit it to the New Business and Underwriting Departments.

Please note that no action should be taken to cancel the existing policy until the new policy has been approved by the underwriters.

2) On perusal of the Replacement Application, the following parameters will determine whether the transaction can be classified as a replacement:

a) The new policy must have the same owner as the original policy b) The original policy is classed as permanent insurance (i.e. other than term). A conversion of a

term contract to a permanent plan cannot be regarded as a replacement.



c) If the original policy is assigned to a bank or some other agency for collateral purposes, or there

is a beneficiary designation, the assignee or beneficiary must have signed the Replacement Application thus consenting to the transaction. If there is no beneficiary on the contract, the Advisor should write “N/A” in the section on the form designated for the beneficiary’s name.

3) The New Business Department will prepare an Underwriting Worksheet to be used for the

replacement. This Worksheet will reflect the underwriter’s comments. The Replacement Application will form part of the client’s underwriting file.

4) On approval of the Replacement Application, the New Business Department will forward an advice

to the Policy Administration Department. The Policy Administration Department should then proceed with either the disbursement of surrender proceeds (if any) or transfer of any such proceeds to the new contract if required. These transactions will also be monitored and initiated through the Replacement Form Worksheet.

Group 2 For this category of replacements (i.e. where a policy is terminated after a new contract has been issued), the cooperation of the Advisor and vigilance of Customer Service personnel is needed. The Company should not impede or refuse the surrender of a contract, so the surrender transaction should be proceeded with. However, the new contract should then be automatically classified as a replacement. It is acknowledged that there are numerous potentially mitigating circumstances surrounding such a transaction. If the Advisor involved wishes to present data as evidence of why the new policy should not be treated as a replacement, a Replacement Application Form must be completed by both the Advisor and the applicant in the usual manner. Please note that this is different to the treatment for Group 1 policies – the Replacement Application is only filled out if the Advisor wishes to claim that a policy is not a replacement, whereas it is completed in all circumstances for Group 1 policies. Where a new contract is considered to be a replacement, the Advisor will be informed in writing by the Customer Service Department, detailing the changes to the commissions payable. Copies of this communication should be sent to Marketing management for the applicable area as well as the Policy Administration Department who will implement the commission changes. Within each Group there are two categories into which the replacement of an existing policy can fall. These are:

i. Existing policy of duration less than 1 year (i.e. 1-12 months). The normal policy contract will be issued with the usual commission structure and entitlement to bonus. The existing policy will be cancelled and premiums and first year commissions will be reversed. The Advisor will not be penalised for the lapse.

ii. Existing policy over one year. The new contract will have reduced first year commissions as

follows:

Product Commission Life Saver 20% Mutual Protector 7.5% Other Plans Regular commission x 50%



If a policy is being replaced by a contract with a larger Sum Insured, the reduced commission will be paid only on the premium applicable to the Sum Insured of the existing policy. The balance of the premium would be commissionable at the normal rate.

e.g. A $100,000 policy is replaced by a $400,000 policy. Reduced commissions will be paid on the premium applicable to a Sum Insured of $100,000 on the new contract and normal commissions will be paid on the premium supporting a Sum Insured of $300,000.

The cancellation of the original policy will not affect persistency for bonus calculations.

If the new policy is a Life Saver contract, it must be set up with a Life Saver replacement code. For Group 2 replacements, it is necessary to convert the new policy from a “normal code” used at issue to a “replacement code”. Any surrender proceeds may be applied to the new policy to pay the first premium and/or as an unscheduled deposit.

SECTION 2 – TERM PRODUCTS Replacing “Term with Term” is allowed only in special circumstances. Various scenarios with particular requirements are set out below:

1) Client is desirous of changing from 20 Year Term existing rates to 20 Year Term new

Rate Structure – A current Application Form must be submitted and the client must undergo the full underwriting process. The first year commissions on the new plan will be 20%.

2) Client is desirous of changing either a Five Year R&C or 20 Year Term to Term to

Age 65 or Term to Age 80 – Full underwriting requirements, inclusive of a current Application Form, are necessary for the new amount at risk and first year commissions will be 10%.

3) Client is desirous of changing from an existing rate plan to a new rate plan and

increasing the Sum Insured – A current Application Form with full underwriting requirements is necessary. First year commissions on the new policy will be 10%.

In general, new evidence of insurability will be necessary if the risk taken on by the Company increases. This would occur if the coverage period is extended, the coverage increased, or the Convertibility Option added.

For a Renewable Term, where new rates have been introduced, the policy can automatically renew to the new rate. No documentation is necessary.

UNDERWRITING REQUIREMENTS

Sagicor Life Inc Underwriting Requirements

July 1, 2006 Page B.5.1

BARBADOS - Revisions for Evidence Schedule

NOTES 1. To determine the evidence requirements, Life and Critical Illness amounts must be added to any existing

coverage issued within the past 12 months. 2. APS: Routine APS on all Critical Illness cases for clients aged 50 and up. APS to be ordered by the underwriter at their discretion. 3. Juveniles: For children under age 10, an HIV test will be required on the mother. May require medical exam over $3,000,000. 4. Definitions: FBS – fasting blood sugar Blood Profile – fasting blood sugar, fasting cholesterol, HDL, LDL, triglycerides, BUN, creatinine, SGOT, SGPT,

GGTP, bilirubin, alkaline phosphatase. PSA – Prostate blood test (on males only)

PCS – Personal Confidential Statement

Ages Face Amount Evidence 0 - 15 up to 99,999 ......................... Non-medical 100,000 - 500,000................ Non-medical & HIV (or we will accept HIV on mother up to age 10). 500,001 and up .................... Non-medical, HIV, APS, PCS on parent 16 - 40 up to 250,000 ....................... Non-medical (HIV at 100,000) 250,001 – 299,999............... Medical, micro, HIV 300,000 - 500,000................ Medical, micro, HIV, nicotine 500,001-999,999.................. Medical, micro, HIV, FBS, cholesterol, HDL, nicotine 1,000,000 ............................. Medical, micro, HIV, FBS, cholesterol, HDL, nicotine, cocaine, marijuana 1,000,001 – 1,499,999 ......... Medical, micro, HIV, blood profile, nicotine, cocaine, marijuana, ECG 1,500,000 and up ................. Medical, micro, HIV, blood profile, nicotine, cocaine, marijuana, ECG, PCS 41 - 50 up to 150,000 ....................... Non-medical (HIV at 100,000) 150,001 - 250,000................ Medical, micro, HIV 250,001 – 299,999............... Medical, micro, HIV, FBS, cholesterol, HDL 300,000 - 500,000................ Medical, micro, HIV, FBS, cholesterol, HDL, nicotine 500,001- 999,999................. Medical, micro ,HIV, blood profile, nicotine, ECG 1,000,000 - 1,499,999......... Medical, micro ,HIV, blood profile, nicotine, cocaine, marijuana, ECG 1,500,000 and up ................. Medical, micro ,HIV, blood profile, nicotine, cocaine, marijuana, ECG, PCS 51 - 60 up to 100,000 ....................... Non-medical (HIV at 100,000) 100,001 - 250,000................ Medical, micro, HIV, FBS, cholesterol, HDL 250,001 – 299,999............... Medical, micro, HIV, blood profile, PSA, ECG 300,000 – 999,999............... Medical, micro, HIV, blood profile, PSA, nicotine, ECG 1,000,000 – 1,499,999 ......... Medical, micro, HIV, blood profile, PSA, nicotine, cocaine, ECG 1,500,000 – 1,999,999 ......... Medical, micro, HIV, blood profile, PSA, nicotine, cocaine, ECG, PCS 2,000,000 and up ................. Medical, micro, HIV, blood profile, PSA, nicotine, cocaine, stress ECG, PCS 61 and over up to 100,000 ....................... Medical (HIV at 100,000) 100,001-200,000.................. Medical, micro, HIV, FBS, cholesterol, HDL 200,001 – 299,999............... Medical, micro, HIV, blood profile, PSA, ECG 300,000 – 999,999............... Medical, micro, HIV, blood profile, PSA, nicotine, ECG 1,000,000 – 1,499,999 ......... Medical, micro, HIV, blood profile, PSA, nicotine, cocaine, stress ECG 1,500,000 and up ................. Medical, micro, HIV, blood profile, PSA, nicotine, cocaine, stress ECG, PCS

UND70052 – 30 September 2005


July 1, 2006 Page B.5.2

EASTERN CARIBBEAN - Revisions for Evidence Schedule






UND70055 – 11 November 2005


July 1, 2006 Page B.5.3

TRINIDAD

TABLE OF UNDERWRITING REQUIREMENTS FOR SAGICOR (All amounts are in TT$ unless specifically stated)

Ages Face Amount Evidence 0 - 15 up to 150,000....................... Non-medical 150,000 - 500,000................ Non-medical, HIV 500,001 and up.................... Non-medical, HIV, APS 16 - 40 up to 500,000....................... Non-medical (HIV at 150,001) 500,001 -1,000,000.............. Medical, micro, HIV 1,000,000 - 2,000,000.......... Medical, BCP 1 2,000,001- 2,999,999........... Medical, BCP 2, ECG 3,000,000 and up ................ Medical, BCP 2, ECG, cocaine, marijuana 41 - 50 up to 250,000....................... Non-medical (HIV at 150,001) 250,001 - 500,000................ Medical, micro, HIV 500,001 -1,500,000.............. Medical, BCP 1 1,500,001 - 2,999,999.......... Medical, BCP 2, ECG 3,000,000 and up ................ Medical, BCP 2, ECG, cocaine, marijuana 51 - 60 up to 250,000....................... Non-medical (HIV at 150,001) 250,001 - 500,000................ Medical, micro, HIV, ECG 500,001 -1,000,000.............. Medical, BCP 1, ECG 1,000,001 - 4,999,999.......... Medical, BCP 2, PSA, ECG 5,000,000 and up ................ Medical, BCP 2, PSA, Treadmill, ECG, 61 and over up to 250,000....................... Non-medical (HIV at 150,001) 250,001 - 500,000................ Medical, BCP 1, ECG 500,001 – 2,499,999............ Medical, BCP 2, PSA 2,500,000 and up................. Medical, BCP 2, PSA, Treadmill, ECG

Smoker differentiated products (Non Smoker rates) Nicotine test at $500,000 and over for non-smoker clients Critical Illness Routine APS on all Critical Illness cases if client age 50 and over APS to be ordered by the underwriters at their discretion Life and Critical Illness amounts must be added to determine the evidence required A regular Non-Medical must accompany the application for Reinstatement of Critical Illness

UND – October 2005


July 1, 2006 Page B.5.4

HIV Test is required 1. Insurance purchased within 1 year with this or any other insurance company totaling $150,001 and over 2. Policies for Reinstatement – if lapsed for 6 months and over with Sum Assured of $150,001 and over 3. US$25,000 and over 4. HIV to be done on mother of proposed insured from ages 0-10 years for $150,001 and over Juveniles up to age 12 1. Child’s Medical and Non-Medical Form to be used 2. Applications that require a Medical – agent to provide Doctor with Child’s Medical form 3. Medical may be discretionary over $3,000,000 4. A child’s Non-Medical must accompany the application for Reinstatement. Private and Confidential Statement (PCS) 1. To be completed for accumulated amounts of $1,500,000 and over 2. If insurance is for business purposes, or other than for personal estate, or if proposed insured is self-employed,

pages 3 and 4 to be completed Inspection Report Required from $4,000,000 and over Add-Ons / Increases to existing policies A regular non medical based on age/amount criteria, must be completed in addition to the usual change form (similar to when a medical is required) for:

- Increase in sum assured - Addition of term rider - Addition of critical illness benefit.



July 1, 2006 Page B.5.5

INDIVIDUAL HEALTH APPLICATIONS Sagicor Health Protector Age 51 and over – Full Medical and Micro required Sagicor Classic Series Age 41 and over – Full Medical and Micro required, APS discretionary but may be requested for most cases. Multiple Applications Except for WP on pension plans, always combine sums assured to determine routine requirements. e.g. Add Excess Group, Critical Illness and Individual life then apply medical requirements. Pension with WP Non-Medical required only ALL MEDICALS are valid for six (6) months. ALL BLOOD TESTS including HIV are valid for six (6) months. ECG and Treadmill ECG are valid for one (1) year. SOGH (Statement of Good Health) required if medical evidence is over three (3) months. Females Only – Micro should be scheduled for at least three (3) days before or after completion of menstruation. Males Only – PSA (Prostate Blood test)



July 1, 2006 Page B.5.6

COMPOSITION OF BCP 1 AND BCP 2

BLOOD CHEMISTRY PROFILE - BCP 1 Fasting Blood Sugar FBS Cholesterol CHOL High Density Lipoproteins HDL Micro Urinalysis MICRO Human Immunodeficiency Virus HIV BLOOD CHEMISTRY PROFILE - BCP 2 Fasting Blood Sugar FBS Cholesterol CHOL High Density Lipoproteins HDL Low Density Lipoproteins LDL Triglycerides TRIGS Serum Glutamic Pyruvic Transaminase SGPT Serum Gutamic Oxalacetic (Asparate) Transaminase SGOT Gamma Glutamyl Transpeptidase GGTP Blood Urea Nitrogen BUN Bilirubin Serum Creatinine Alkaline Phosphatase Microurinalysis MICRO Human Immunodeficiency Virus HIV



July 1, 2006 Page B.5.7

CAPITAL LIFE TERRITORIES

Excluding St. Maarten Revisions for Evidence Schedule






UND70086 – 1 December 2005


July 1, 2006 Page B.5.8

ST.MAARTEN - Revisions for Evidence Schedule Ages Face Amount Evidence 0-15 up to 99,999 Non-medical 100,000-500,000 Non-medical & HIV 500,001 and up Non-medical, HIV, APS 16-40 up to 250,000 Non-medical (HIV at 100,000) 250,001-500,000 Medical, micro, HIV 500,001-1,000,000 Medical, micro, HIV, FBS, cholesterol, HDL 1,000,001 and up Medical, micro, HIV, full blood profile, ECG 41-50 up to 150,000 Non-medical (HIV at 100,000) 150,001-250,000 Medical, micro, HIV 250,001-500,000 Medical, micro, HIV, FBS, cholesterol, HDL 500,001and up Medical, micro ,HIV, full blood profile, ECG 51-60 up to 100,000 Non-medical (HIV at 100,000) 100,001-250,000 Medical, micro, HIV, FBS, cholesterol, HDL 250,001and up Medical, micro, HIV, full blood profile, PSA, ECG 61 and over up to 100,000 Medical (HIV at 100,000) 100,001-200,000 Medical, micro, HIV, FBS, cholesterol, HDL 200,001 and up Medical, micro, HIV, full blood profile, PSA, ECG Further requirements: Stress ECG at NAF 2,000,000 and up between ages 51-60. Stress ECG at NAF 1,000,000 ages 61 and over. Marijuana Screen: At NAF 1,000,000 and up for ages up to 50 yrs. Nicotine testing: NAF 350,000 Cocaine Testing: US$ 500,000 APS: Routine APS on all Critical Illness cases for clients aged 50 and up. APS to be ordered by the underwriter at their discretion. Juveniles: For children under age 10, an HIV test will be required on the mother. May require medical exam over NAF 3,000,000. Personal Confidential Statement (PCS): NAF 1,500,000 and up Definitions: FBS – fasting blood sugar Full blood profile: - fasting blood sugar, fasting cholesterol, HDL, LDL, triglycerides, BUN, creatinine, SGOT, SGPT, GGTP, bilirubin, alkaline phosphatase. PSA – Prostate blood test (on males only) Life and Critical Illness amounts must be added to determine the evidence requirements

UND – July 2005


July 1, 2006 Page B.5.9

US$* POLICIES - Revisions for Evidence Schedule

*(Curacao, Aruba, St.Maarten, Trinidad, Anguilla and International only) Ages Face Amount Evidence 0-15 up to 99,999 Non-medical 100,000-500,000 Non-medical & HIV 500,001 and up Non-medical, HIV, APS 16-40 up to 150,000 Non-medical (HIV at 50,000 up) 150,001-250,000 Medical, micro, HIV 250,001-500,000 Medical, micro, HIV, FBS, cholesterol, HDL 500,001 and up Medical, micro, HIV, full blood profile, ECG 41-50 up to 75,000 Non-medical (HIV at 50,000 up) 75,001-125,000 Medical, micro, HIV 125,001-250,000 Medical, micro, HIV, FBS, cholesterol, HDL 250,001 and up Medical, micro, HIV, full blood profile, ECG 51-60 up to 50,000 Non-medical (HIV at 50,000) 50,001-150,000 Medical, micro, HIV, FBS, cholesterol, HDL 150,001 and up Medical, micro, HIV, full blood profile, PSA, ECG 61 and over up to 50,000 Medical 50,001-100,000 Medical, micro, HIV, FBS, cholesterol, HDL 100,001 and up Medical, micro, HIV, full blood profile, PSA, ECG Further requirements: Stress ECG at $1,000,000 and up between ages 51-60 Stress ECG at $500,000 and up for ages 61 and up Marijuana and Cocaine Screen: At $500,000 and up for ages up to 50 yrs. Nicotine Testing $100,000 and up. APS: Routine APS on all Critical Illness cases for clients aged 50 and up. APS to be ordered by the underwriter at their discretion. Juveniles: For children under age 10, an HIV test will be required on the mother. May require medical exam over $3,000,000. Personal Confidential Statement (PCS): $500,000 and up Definitions: FBS – fasting blood sugar Full blood profile: - fasting blood sugar, fasting cholesterol, HDL, LDL, triglycerides, BUN, creatinine, SGOT, SGPT, GGTP, bilirubin, alkaline phosphatase. PSA – Prostate blood test (on males only) Life and Critical Illness amounts must be added to determine the evidence requirements

UND – July 2005


July 1, 2006 Page B.5.10

PREFERRED PRODUCTS

Criteria Preferred Select Preferred Select Plus

Tobacco • None in 12 months • None in 36 months

Family History

• No deaths from Cardiovascular Disease, Stroke, Cancer/Tumour, Diabetes prior to age 60

• No deaths (or diagnosis) from Cardiovascular Disease, Stroke, Cancer/Tumour, Diabetes prior to age 60

Habits • No Alcohol or Drug Abuse/

Dependence (No Treatment last 10 years)

• No Alcohol or Drug Abuse/ Dependence (No Treatment)

Personal History

• No Cardiovascular Disease, Stroke, Cancer/Tumour, Diabetes

• No ratable impairments

• No Cardiovascular Disease, Stroke, Cancer/Tumour, Diabetes, Kidney or Liver Disease

• No ratable impairments

Blood Pressure

Does not exceed: • 130/80 (less than age 45) • 140/85 (age 45 +) • No history of treatment

Does not exceed: • 120/80 (less than age 45) • 130/85 (age 45 +) • No history of treatment

Cholesterol

Does not exceed: • 5.44 or 210 (less than age 45) • 6.22 or 240 (age 45 +) • No history of treatment for the

last 5 years

Does not exceed: • 5.18 or 200 (less than age 45) • 5.70 or 220 (age 45 +) • No history of treatment

Cholesterol to HDL

Does not exceed: • 5.0 (less than age 45) • 6.0 (age 45 +) • No history of treatment for the

last 5 years

Does not exceed: • 4.5 (less than age 45) • 5.5 (age 45 +) • No history of treatment

Build • See Build Table • See Build Table

Aviation • None • None

Occupation • No ratable occupation • No ratable occupation

Avocation • No ratable sports • No ratable sports

Foreign Travel • No ratable foreign travel • No ratable foreign travel

UND70059 – 20 March 2006


July 1, 2006 Page B.5.11

PREFERRED PRODUCTS

UNDERWRITING CRITERIA

BUILD TABLE

Standard / Preferred

Range Preferred Select

Range Preferred Select

Plus Range

Height Weight (lbs.) Weight (lbs.) Weight (lbs.) 4’ 10” 105-184 105-168 105-156

4’ 11” 107-188 107-172 107-160

5’ 0” 109-192 109-175 109-163

5’ 1” 111-196 111-179 111-166

5’ 2” 113-200 113-183 113-170

5’ 3” 115-204 115-186 115-173

5’ 4” 118-209 118-191 118-177

5’ 5” 120-214 120-195 120-181

5’ 6” 123-219 123-200 123-185

5’ 7” 125-224 125-204 125-189

5’ 8” 128-229 128-209 128-193

5’ 9” 130-234 130-213 130-198

5’ 10” 133-239 133-218 133-202

5’ 11” 135-244 135-222 135-206

6’ 0” 140-252 140-229 140-212

6’ 1” 145-259 145-236 145-219

6’ 2” 150-267 150-243 150-226

6’ 3” 155-274 155-250 155-232

6’ 4” 175-279 175-255 175-237

6’ 5” 180-284 180-260 180-242

6’ 6” 190-289 190-265 190-248

6’ 7” 195-294 195-270 195-253

UND70060 – 9 February 2006


July 1, 2006 Page B.5.12

PREFERRED PRODUCTS Aruba, Barbados, Belize, Curacao, St. Maarten, EC Territories

COMMENTS Please order a PCS (Personal Confidential Statement) on all applications $1,500,000 and over.

Age At Issue $50,000

to $99,999

$100,000 to

$200,000

$200,001 to

$250,000

$250,001 to $1,000,000

$1,000,001 to $2,000,000

Over $2,000,000

20 – 35 6 8 8 8 8 8

36 – 40 6 8 8 8 9 9

41 – 50 6 8 8 9 9 10

51 - 60 6 8 9 9 10 10

61 and up 7 9 9 11 11 11 Legend 6. Non-Medical

7. MD Exam, HOS(I)

8. MD Exam, HOS(I), BLP(I), HIV

9. MD Exam, HOS(I), BLP(II), ECG, HIV

10. MD Exam, HOS(II), BLP(II), Stress ECG, PSA, HIV

11. MD Exam, HOS(I), BLP(II), Stress ECG, PSA, HIV

Glossary Non-Medical Medical Questionnaire completed by Applicant

MD Exam Medical Exam completed by a Medical Physician

HOS(I) Microurinalysis processed by an approved laboratory, including nicotine

HOS(II) Microurinalysis processed by an approved laboratory, including nicotine, cocaine, marijuana

ECG Electrocardiogram at rest

Stress ECG An electrocardiogram carried out during an exercise regimen.

BLP(I) Fasting blood sugar, Cholesterol, HDL, GGT

BLP(II) Fasting blood sugar, Cholesterol, HDL, LDL, triglycerides, GGT, alkaline phosphatase, SGOT (AST), SGPT (ALT), BUN, Creatinine, Bilirubin

HIV Blood test for HIV

PSA Prostate-specific antigen blood test

UND70058 – 8 February 2006


July 1, 2006 Page B.5.13

PREFERRED PRODUCTS Trinidad

COMMENTS 1. Please order a PCS (Personal Confidential Statement) on all applications $1,500,000 and over. 2. HIV – $150,001 and over. 3. Please order an Inspection Report on all applications $4,000,000 and over.

Age At Issue $150,001

to $299,999

$300,000 to

$1,000,000

$1,000,001 to

$2,000,000

Over $2,000,000

20 – 35 6 8 8 8

36 – 40 6 8 9 9

41 – 50 7 8 9 10

51 - 60 7 9 10 10

61 and up 8 11 11 11 Legend 6. Non-Medical

7. MD Exam, HOS(I)

8. MD Exam, HOS(I), BLP(I), HIV

9. MD Exam, HOS(I), BLP(II), ECG, HIV

10. MD Exam, HOS(II), BLP(II), Stress ECG, PSA, HIV

11. MD Exam, HOS(I), BLP(II), Stress ECG, PSA, HIV

Glossary Non-Medical Medical Questionnaire completed by Applicant

MD Exam Medical Exam completed by a Medical Physician

HOS(I) Microurinalysis processed by an approved laboratory, including nicotine

HOS(II) Microurinalysis processed by an approved laboratory, including nicotine, cocaine, marijuana

ECG Electrocardiogram at rest

Stress ECG An electrocardiogram carried out during an exercise regimen.

BLP(I) Fasting blood sugar, Cholesterol, HDL, GGT

BLP(II) Fasting blood sugar, Cholesterol, HDL, LDL, triglycerides, GGT, alkaline phosphatase, SGOT (AST), SGPT (ALT), BUN, Creatinine, Bilirubin

HIV Blood test for HIV

PSA Prostate-specific antigen blood test

UND70062 – 8 March 2006

UNIVERSAL LIFE

Sagicor Life Inc Life Saver II

February 1, 2007 Page C.1A.1

LIFE SAVER II Description The Life Saver II replaced the original Life Saver in 1995. It is a “Universal Life” type product. These products differ from traditional insurance plans in that the interest element, mortality charges and expense loadings are unbundled. This means that the client is aware of practically all aspects of the contract. The product is very flexible and, subject to certain limitations, the policyholder can modify the premiums and face amount. The policyholder can also make withdrawals from the accumulated Fund, subject to certain conditions. Premiums paid by the policyholder are deposited in a Fund from which expense and mortality charges are deducted. Interest is then applied to this Fund. In the initial stages of the policy, the Fund grows as premiums exceed the expenses and mortality charges. In later years, where the expenses and mortality charges may exceed the premium, the Fund should continue to grow because the investment income generated is more than sufficient to cover the shortfall. Issue Ages Ages 0 - 70 Death Benefit There are 2 Death Benefit Options:

• Option 1 – the Death Benefit equals the greater of (a) the Sum Assured and (b) the Fund plus the corridor. The corridor values are shown in the table below:

Territory Corridor

Barbados BDS$ 10,000.00

OECS Territories EC$ 13,500.00

Trinidad TT$ 30,000.00

Aruba AFL 10,000.00

Belize BZ$ 10,000.00

Curacao NAF 10,000.00

St. Maarten NAF 10,000.00

*US$ Policies US$ 5,000.00 *(Curacao, Aruba, St.Maarten, Trinidad, Anguilla and International only)



• Option 2 – the Death Benefit is the Sum Insured plus the Fund. At the policy anniversary following the Life Insured’s 65th birthday, the rules revert to those of Option 1, with the Sum Assured equal to the Option 2 Death Benefit at age 65.

Minimum Sums Assured (SA)

Territory Minimum SA Minimum Add-On

Barbados BDS$ 75,000.00 BDS$ 10,000.00

OECS Territories EC$ 50,000.00 EC$ 10,000.00

Aruba AFL 70,000.00 AFL 10,000.00

Belize BZ$ 50,000.00 BZ$ 10,000.00

Curacao NAF 70,000.00 NAF 10,000.00

St. Maarten NAF 70,000.00 NAF 10,000.00 The Trinidad Life Saver differs from the other territories in that the product is banded for premium payment purposes. The bands are as follows:

Territory Band Minimum SA Maximum SA Band 1 100,000.00 249,999.00 Band 2 250,000.00 499,999.00 Trinidad (TT$) Band 3 500,000.00 -

Trinidad (TT$) Minimum Add-On 10,000.00 For US dollar policies, these are not banded and the minimums are:

*US$ Policies Basic Sum Assured 50,000.00 Add-On 10,000.00

*(Curacao, Aruba, St.Maarten, Trinidad, Anguilla and International only)



Premiums A Minimum (Basic) Premium is required, and can be paid on a monthly, quarterly, semi-annual, or annual basis. For issue ages between 0 and 14, only Standard rates apply. The only Death Benefit option available is Option 2. The contract has the ability to facilitate Savings Premiums and Lump Sum payments. Regular Savings Premiums must be paid on the same mode as the Minimum Premium. The minimum regular Savings Premium is $25.00 monthly or $300.00 annually (local currency). Lump Sum premiums are subject to the minimum amounts set out below:

Territory Minimum Lump Sum

Barbados BDS$ 500.00

OECS Territories EC$ 500.00


Aruba AFL 500.00

Belize BZ$ 500.00

Curacao NAF 500.00

St. Maarten NAF 500.00

*US$ Policies US$ 500.00 *( Curacao, Aruba, St.Maarten, Trinidad, Anguilla and International only)



Cash Values and Interest Rates The Fund will benefit from prevailing rates of interest which will be reviewed quarterly. However, there is a guaranteed minimum rate of interest of 4% per annum. Annual statements reflecting the performance of the plan will be sent to each Life Saver II Policyholder. The cash value on surrender is equal to the Fund balance less the applicable Surrender Charge. The initial charges are set out in the table below. These charges hold for the first 3 policy years, then grade down to zero in policy year 21.

Territory Initial Surrender Charge

Barbados BDS$ 1,000.00

OECS Territories EC$ 1,350.00


Aruba AFL 900.00

Belize BZ$ 1,000.00

Curacao NAF 900.00



Administration Charges

Territory Monthly Charge

Barbados BDS$ 14.35


Trinidad TT$ 35.50

Aruba AFL 18.30

Belize BZ$ 20.45

Curacao NAF 18.30





Additional Benefits Benefits available include:

• Accidental Death and Dismemberment • Total Disability Waiver of Premium • Payor’s Waiver • Guaranteed Insurability

Term and Life Protector Riders may only be added if the Premium Paying Period of the Rider expires on or before the date of expiration of the Premium Paying Period of the Base Plan. The available Riders are:

• Life Protector II Riders. Limits for US$ policies are: a minimum Sum Assured of US$10,000 and a maximum Sum Assured of US$200,000.

• 5 Year Renewable and Convertible Term, 10 Year Renewable and Convertible Term, 20 Year Term, Term to 65, and Term to 80. The policy fee is omitted.

Total Disability Waiver of Premium and Payor’s Waiver apply to both the Minimum Premium and the Savings Premium. If a contract is lapsed, any Term Riders or Critical Illness Riders will be removed. They must be reapplied for at the attained age when the contract is reinstated. Evidence of insurability may be required. Add-Ons This facility allows the policyholder to increase the coverage on request, subject to evidence of insurability. It can only be initiated on a policy anniversary date. “Add-Ons” can be issued by adding either an additional Life Saver I coverage to an existing Life Saver I policy, or a Life Saver II coverage to a Life Saver II policy. In other words, if a client has an existing policy that was issued under the original Life Saver product, the “Add-On” must be the same plan. If a client has an existing Life Saver II policy, the “Add-On” must be a Life Saver II.



The Add-on Charges listed below are now applicable.

Territory Monthly Charge

Barbados BDS$ 17.50


Trinidad TT$ 52.50

Aruba AFL 17.50

Belize BZ$ 17.50

Curacao NAF 17.50



For quarterly and half yearly premium payment modes the applicable loadings should be added. The fee will charged to the Fund monthly and is payable only in the first year. All other procedures will remain unchanged. For the Trinidad Life Saver II, in light of the banding, the premium on the host or initial policy will remain unchanged. If the total of the host policy and the Add-On requested places the total coverage in a different band, the premium of this band will apply to the Add-On only: e.g. Host Policy $100,000 Add-On Required $200,000 Premium on $100,000 Host Policy Band 1 Premium on $200,000 Add-On Band 2 In proceeding with an "Add-On" care should be taken to ascertain if there are Assignments and Beneficiary designations. In a situation where there is either a beneficiary or the policy is assigned to someone other than the Policyholder, the status of an “Add-On” leads to some uncertainty under the law. Each situation must be reviewed carefully.



Premium Holiday There is a 61 day grace period for the payment of premiums. However, the contract has a Premium Holiday facility under which it is not necessary for premiums to be paid during a specific period. There is no limit on the number of Premium Holidays allowed on a specific contract. If premiums are paid other than by a monthly mode, the contract must be changed to monthly in order to initiate the Premium Holiday. The mode change request should be made simultaneously with the request to initiate the Premium Holiday. The effect of a Premium Holiday is to advance the paid-to-date on the contract by the duration of the holiday. The following notation should be set out on the “Change in Policy” form or "Application for Reinstatement and/or Addition of Benefits" form (if policy lapsed) when a Premium Holiday is requested: "I am desirous of activating the Premium Holiday facility available under this

policy for a period commencing on ____________ (and terminating on) ________________".

As far as possible, Premium Holidays to reinstate lapsed contracts should be discouraged, since they will have a negative effect on the growth of the Fund and may result in a negative fund balance and the subsequent lapse of the policy. In addition, the initial period of lapse will be prolonged, affecting the Agent’s production. In order to reinstate a contract utilizing the Premium Holiday to waive the unpaid premiums, three months premium plus a penalty fee (from the second reinstatement) must be paid. This penalty fee is $100.00 (local currency) for the second reinstatement and increases by $100.00 (local currency) for every successive reinstatement on the same contract. Premium Holiday requests should be approved and implemented by Policy Administration personnel.



Partial Withdrawals A partial withdrawal is permitted once a year only. A charge is made for this facility, as shown in the table below. While the policy document specifies a minimum withdrawal value of 20% of the net Fund, this percentage can be varied at the Company’s discretion. The net Fund balance is equal to the Fund less previous withdrawals, which equals the basic withdrawal balance.

Territory Withdrawal Charge

Barbados BDS$ 20.00


Trinidad TT$ 40.00

Aruba AFL 25.00

Belize BZ$ 20.00

Curacao NAF 25.00



Partial withdrawals will reduce the fund balance and may generate eventual negative fund balances, causing the policy to lapse. Negative Fund Balances If the Fund Value on a monthly anniversary is not large enough to cover the monthly deduction for the Policy Month following such monthly anniversary day, and results in a negative Fund Value, the Policy will terminate subject to the Grace Period. A Grace Period of 61 days will begin on any monthly anniversary day when the Fund Value is not large enough to cover the monthly deduction for the Policy Month following the monthly anniversary day. If an amount large enough to cover the monthly deduction is not received before the end of the 61-day grace period, all coverage under the Policy will terminate. Any deduction for the cost of insurance after the beginning of the grace period, and prior to receipt, if any, of premium necessary to cover the monthly deduction, is not a waiver by the Insurer of the termination.



Staff contracts Agents involved in assisting administrative staff to purchase Life Saver contracts will earn 50% of the normal commissions paid on these plans. Premium charges payable on the policy will be 50% of the normal charges. For Trinidad policies, no staff discount is applicable with respect to premium. However, the policy will be issued with no premium charges and the Fund will perform better. No production credit is given and commissions are not payable even if the employee subsequently leaves the employ of Sagicor Life. The fact that it is a "staff" policy should be indicated by checking the appropriate premium payment box on the application form. Commissions Commissions payable on this plan are set out below:-

Year Basic Premium

Savings Premiums 1st 55% 3% 2nd 15% 3%

3rd and over 3% 3%



Reinsurance Limits The Retention of Sagicor Life or Capital Life for each Life Insured is the maximum amount of risk which the company can retain on its own account. All amounts in excess of this limit are ceded to the Reinsurance Company. Generally, the amount of cover which the Reinsurance Company will automatically accept is capped at ten (10) times the Retention of Sagicor Life or Capital Life. This automatic cover varies by Reinsurance Treaty and by Territory. The limits under the current treaties are set out below. Advisors should check with the Reinsurance and Underwriting departments before quoting on high volume cases.

Reinsurance Limits for Life Saver II (Sagicor Life) Issue Age / Automatic Cover (local currency)

Currency Up to 55* 56 – 65* 65 & Over* BDS$ & EC$ $3,000,000 $3,000,000 $1,500,000

TT$ $4,000,000 $3,500,000 $2,000,000 US$ $1,000,000 $850,000 $500,000

* ages are calculated as age nearest

Reinsurance Limits of Life Saver II (Capital Life) Aruba (AFL) Curacao (NAF) Belize (BZ)

Age Automatic Cover Up to 55 $2,000,000 56 – 65 $1,700,000

66 & Over $1,000,000

Reinsurance Limits of Life Saver II (Capital Life) St. Maarten (US$)

Age Automatic Cover Up to 55 $1,000,000 56 – 65 $ 850,000

66 & Over $ 500,000

Reinsurance Limits of Life Saver II (Capital Life) Panama (US$)

Age Automatic Cover 18 – 70 $1,000,000 71 - 75 $ 500,000

Sagicor Life Inc LIFE SAVER II - OPTION 1BARBADOS PREMIUM RATES

Preferred

Age Yearly Monthly Yearly Monthly Male Female Yearly Monthly

15 7.05 0.62 6.93 0.61 2.58 3.87 1.25 0.1116 7.05 0.62 6.93 0.61 2.65 3.98 1.25 0.1117 7.05 0.62 6.93 0.61 2.62 3.93 1.25 0.1118 7.05 0.62 6.93 0.61 2.67 4.01 1.25 0.1119 7.05 0.62 6.93 0.61 2.71 4.07 1.25 0.1120 7.05 0.62 6.93 0.61 2.74 4.11 1.25 0.1121 7.16 0.63 7.04 0.62 2.76 4.14 1.25 0.1122 7.32 0.64 7.19 0.63 2.68 4.02 1.25 0.1123 7.51 0.66 7.38 0.65 2.69 4.04 1.25 0.1124 7.73 0.68 7.58 0.66 2.68 4.02 1.25 0.11

25 7.96 0.70 7.79 0.68 2.67 4.01 1.25 0.1126 8.22 0.72 8.01 0.70 2.65 3.98 1.25 0.1127 8.50 0.74 8.24 0.72 2.55 3.83 1.25 0.1128 8.80 0.77 8.49 0.74 2.52 3.78 1.25 0.1129 9.13 0.80 8.75 0.77 2.49 3.74 1.25 0.1130 9.47 0.83 9.04 0.79 2.45 3.68 1.25 0.1131 9.83 0.86 9.34 0.82 2.48 3.72 1.28 0.1132 10.21 0.89 9.67 0.85 2.49 3.74 1.30 0.1133 10.61 0.93 10.01 0.88 2.45 3.68 1.33 0.1234 11.04 0.97 10.37 0.91 2.45 3.68 1.35 0.12

35 11.50 1.01 10.75 0.94 2.49 3.74 1.38 0.1236 11.99 1.05 11.15 0.98 2.53 3.80 1.42 0.1237 12.51 1.09 11.56 1.01 2.55 3.83 1.46 0.1338 13.06 1.14 12.00 1.05 2.61 3.92 1.50 0.1339 13.65 1.19 12.46 1.09 2.61 3.92 1.54 0.1340 14.30 1.25 12.96 1.13 2.64 3.96 1.58 0.1441 15.00 1.31 13.49 1.18 2.66 3.99 1.65 0.1442 15.73 1.38 14.03 1.23 2.71 4.07 1.71 0.1543 16.52 1.45 14.62 1.28 2.74 4.11 1.78 0.1644 17.37 1.52 15.24 1.33 2.78 4.17 1.84 0.16

45 18.30 1.60 15.91 1.39 2.87 4.31 1.91 0.1746 19.30 1.69 16.62 1.45 2.96 4.44 2.03 0.1847 20.35 1.78 17.37 1.52 3.09 4.64 2.15 0.1948 21.49 1.88 18.17 1.59 3.24 4.86 2.27 0.2049 22.71 1.99 19.02 1.66 3.38 5.07 2.39 0.2150 24.05 2.10 19.95 1.75 3.47 5.21 2.51 0.2251 25.48 2.23 20.94 1.83 3.54 5.31 2.51 0.2252 27.00 2.36 21.97 1.92 3.67 5.51 2.51 0.2253 28.62 2.50 23.08 2.02 3.88 5.82 2.51 0.2254 30.37 2.66 24.27 2.12 4.21 6.32 2.51 0.22

55 32.28 2.82 25.58 2.24 5.88 8.82 2.51 0.2256 34.32 3.00 26.98 2.36 2.51 0.2257 36.48 3.19 28.46 2.49 2.51 0.2258 38.78 3.39 30.04 2.63 2.51 0.2259 41.27 3.61 31.76 2.78 2.51 0.2260 43.97 3.85 33.65 2.94 2.51 0.2261 46.85 4.10 35.65 3.1262 49.89 4.37 37.73 3.3063 53.14 4.65 39.99 3.5064 56.65 4.96 42.51 3.72

65 60.48 5.29 45.38 3.9766 64.62 5.65 48.60 4.2567 69.05 6.04 52.10 4.5668 73.75 6.45 55.90 4.8969 78.74 6.89 59.98 5.2570 84.00 7.35 64.36 5.63

Premium Rate Premium Rate(per 1000)

Total Disability Dismemberment(per 1000) (per 1000) (% of basic premium

Male BasicAccidental

Female Basic Death and

February 1, 2007 1995 Series Page C.1A.11


Standard


15 8.74 0.76 8.04 0.70 2.58 3.87 1.25 0.1116 8.74 0.76 8.04 0.70 2.65 3.98 1.25 0.1117 8.74 0.76 8.04 0.70 2.62 3.93 1.25 0.1118 8.74 0.76 8.04 0.70 2.67 4.01 1.25 0.1119 8.74 0.76 8.04 0.70 2.71 4.07 1.25 0.1120 8.74 0.76 8.04 0.70 2.74 4.11 1.25 0.1121 8.95 0.78 8.20 0.72 2.76 4.14 1.25 0.1122 9.24 0.81 8.41 0.74 2.68 4.02 1.25 0.1123 9.58 0.84 8.67 0.76 2.69 4.04 1.25 0.1124 9.97 0.87 8.96 0.78 2.68 4.02 1.25 0.11

25 10.36 0.91 9.25 0.81 2.67 4.01 1.25 0.1126 10.76 0.94 9.55 0.84 2.65 3.98 1.25 0.1127 11.20 0.98 9.87 0.86 2.55 3.83 1.25 0.1128 11.65 1.02 10.22 0.89 2.52 3.78 1.25 0.1129 12.15 1.06 10.58 0.93 2.49 3.74 1.25 0.1130 12.67 1.11 10.97 0.96 2.45 3.68 1.25 0.1131 13.22 1.16 11.38 1.00 2.48 3.72 1.28 0.1132 13.80 1.21 11.82 1.03 2.49 3.74 1.30 0.1133 14.41 1.26 12.28 1.07 2.45 3.68 1.33 0.1234 15.07 1.32 12.76 1.12 2.45 3.68 1.35 0.12

35 15.79 1.38 13.27 1.16 2.49 3.74 1.38 0.1236 16.56 1.45 13.81 1.21 2.53 3.80 1.42 0.1237 17.37 1.52 14.37 1.26 2.55 3.83 1.46 0.1338 18.24 1.60 14.96 1.31 2.61 3.92 1.50 0.1339 19.16 1.68 15.57 1.36 2.61 3.92 1.54 0.1340 20.16 1.76 16.22 1.42 2.64 3.96 1.58 0.1441 21.22 1.86 16.89 1.48 2.66 3.99 1.65 0.1442 22.33 1.95 17.59 1.54 2.71 4.07 1.71 0.1543 23.50 2.06 18.32 1.60 2.74 4.11 1.78 0.1644 24.76 2.17 19.09 1.67 2.78 4.17 1.84 0.16

45 26.12 2.29 19.90 1.74 2.87 4.31 1.91 0.1746 27.56 2.41 20.74 1.81 2.96 4.44 2.03 0.1847 29.08 2.54 21.61 1.89 3.09 4.64 2.15 0.1948 30.70 2.69 22.53 1.97 3.24 4.86 2.27 0.2049 32.41 2.84 23.49 2.06 3.38 5.07 2.39 0.2150 34.23 3.00 24.53 2.15 3.47 5.21 2.51 0.2251 36.15 3.16 25.62 2.24 3.54 5.31 2.51 0.2252 38.16 3.34 26.76 2.34 3.67 5.51 2.51 0.2253 40.27 3.52 27.96 2.45 3.88 5.82 2.51 0.2254 42.52 3.72 29.25 2.56 4.21 6.32 2.51 0.22

55 44.93 3.93 30.65 2.68 5.88 8.82 2.51 0.2256 47.47 4.15 32.13 2.81 2.51 0.2257 50.12 4.39 33.68 2.95 2.51 0.2258 52.92 4.63 35.34 3.09 2.51 0.2259 55.92 4.89 37.13 3.25 2.51 0.2260 59.14 5.17 39.10 3.42 2.51 0.2261 62.56 5.47 41.18 3.6062 66.16 5.79 43.34 3.7963 69.97 6.12 45.68 4.0064 74.03 6.48 48.30 4.23

65 78.40 6.86 51.30 4.4966 83.06 7.27 54.67 4.7867 88.00 7.70 58.36 5.1168 93.21 8.16 62.36 5.4669 98.68 8.63 66.67 5.8370 104.43 9.14 71.29 6.24

Accidental Male Basic Female Basic Death and

Premium Rate Premium Rate(per 1000)

Total Disability Dismemberment(per 1000) (per 1000) (% of basic premium



Preferred


15 8.18 0.72 7.74 0.68 2.58 3.87 1.25 0.1116 8.18 0.72 7.74 0.68 2.65 3.98 1.25 0.1117 8.18 0.72 7.74 0.68 2.62 3.93 1.25 0.1118 8.18 0.72 7.74 0.68 2.67 4.01 1.25 0.1119 8.18 0.72 7.74 0.68 2.71 4.07 1.25 0.1120 8.18 0.72 7.74 0.68 2.74 4.11 1.25 0.1121 8.37 0.73 7.89 0.69 2.76 4.14 1.25 0.1122 8.64 0.76 8.09 0.71 2.68 4.02 1.25 0.1123 8.97 0.78 8.34 0.73 2.69 4.04 1.25 0.1124 9.32 0.82 8.61 0.75 2.68 4.02 1.25 0.11

25 9.68 0.85 8.88 0.78 2.67 4.01 1.25 0.1126 10.05 0.88 9.16 0.80 2.65 3.98 1.25 0.1127 10.44 0.91 9.45 0.83 2.55 3.83 1.25 0.1128 10.85 0.95 9.76 0.85 2.52 3.78 1.25 0.1129 11.29 0.99 10.09 0.88 2.49 3.74 1.25 0.1130 11.75 1.03 10.44 0.91 2.45 3.68 1.25 0.1131 12.24 1.07 10.81 0.95 2.48 3.72 1.28 0.1132 12.75 1.12 11.21 0.98 2.49 3.74 1.30 0.1133 13.28 1.16 11.62 1.02 2.45 3.68 1.33 0.1234 13.85 1.21 12.06 1.06 2.45 3.68 1.35 0.12

35 14.46 1.27 12.52 1.10 2.49 3.74 1.38 0.1236 15.10 1.32 13.01 1.14 2.53 3.80 1.42 0.1237 15.78 1.38 13.52 1.18 2.55 3.83 1.46 0.1338 16.49 1.44 14.05 1.23 2.61 3.92 1.50 0.1339 17.25 1.51 14.61 1.28 2.61 3.92 1.54 0.1340 18.05 1.58 15.20 1.33 2.64 3.96 1.58 0.1441 18.90 1.65 15.81 1.38 2.66 3.99 1.65 0.1442 19.79 1.73 16.45 1.44 2.71 4.07 1.71 0.1543 20.73 1.81 17.11 1.50 2.74 4.11 1.78 0.1644 21.72 1.90 17.80 1.56 2.78 4.17 1.84 0.16

45 22.77 1.99 18.54 1.62 2.87 4.31 1.91 0.1746 23.88 2.09 19.31 1.69 2.96 4.44 2.03 0.1847 25.04 2.19 20.11 1.76 3.09 4.64 2.15 0.1948 26.26 2.30 20.95 1.83 3.24 4.86 2.27 0.2049 27.54 2.41 21.84 1.91 3.38 5.07 2.39 0.2150 28.89 2.53 22.77 1.99 3.47 5.21 2.51 0.2251 30.31 2.65 23.75 2.08 3.54 5.31 2.51 0.2252 31.79 2.78 24.76 2.17 3.67 5.51 2.51 0.2253 33.34 2.92 25.82 2.26 3.88 5.82 2.51 0.2254 34.95 3.06 26.94 2.36 4.21 6.32 2.51 0.22

55 36.63 3.21 28.12 2.46 5.88 8.82 2.51 0.2256 38.32 3.35 29.33 2.57 2.51 0.2257 40.02 3.50 30.55 2.67 2.51 0.2258 41.81 3.66 31.85 2.79 2.51 0.2259 43.78 3.83 33.28 2.91 2.51 0.2260 46.01 4.03 34.90 3.05 2.51 0.2261 48.43 4.24 36.62 3.2062 51.00 4.46 38.42 3.3663 53.80 4.71 40.40 3.5464 56.93 4.98 42.68 3.73

65 60.48 5.29 45.38 3.9766 64.62 5.65 48.60 4.2567 69.05 6.04 52.10 4.5668 73.75 6.45 55.90 4.8969 78.74 6.89 59.98 5.2570 84.00 7.35 64.36 5.63

Accidental

(per 1000)(% of basic premium)Total Disability Dismemberment

Death and

(per 1000) (per 1000)

Male Basic Female Basic Premium Rate Premium Rate


Sagicor Life Inc LIFE SAVER II - OPTION 2 BARBADOS PREMIUM RATES

Standard


0 10.12 0.89 8.48 0.741 10.17 0.89 8.53 0.752 10.23 0.90 8.57 0.753 10.28 0.90 8.62 0.754 10.34 0.90 8.67 0.765 10.39 0.91 8.71 0.766 10.45 0.91 8.76 0.777 10.50 0.92 8.80 0.778 10.56 0.92 8.85 0.779 10.61 0.93 8.89 0.78

10 10.67 0.93 8.94 0.7811 10.72 0.94 8.99 0.7912 10.78 0.94 9.03 0.7913 10.83 0.95 9.08 0.7914 10.89 0.95 9.12 0.8015 10.94 0.96 9.17 0.80 2.58 3.87 1.25 0.1116 10.94 0.96 9.17 0.80 2.65 3.98 1.25 0.1117 10.94 0.96 9.17 0.80 2.62 3.93 1.25 0.1118 10.94 0.96 9.17 0.80 2.67 4.01 1.25 0.1119 10.94 0.96 9.17 0.80 2.71 4.07 1.25 0.11

20 10.94 0.96 9.17 0.80 2.74 4.11 1.25 0.1121 11.24 0.98 9.37 0.82 2.76 4.14 1.25 0.1122 11.66 1.02 9.64 0.84 2.68 4.02 1.25 0.1123 12.16 1.06 9.97 0.87 2.69 4.04 1.25 0.1124 12.71 1.11 10.33 0.90 2.68 4.02 1.25 0.1125 13.27 1.16 10.70 0.94 2.67 4.01 1.25 0.1126 13.84 1.21 11.08 0.97 2.65 3.98 1.25 0.1127 14.44 1.26 11.48 1.00 2.55 3.83 1.25 0.1128 15.08 1.32 11.91 1.04 2.52 3.78 1.25 0.1129 15.75 1.38 12.36 1.08 2.49 3.74 1.25 0.1130 16.47 1.44 12.84 1.12 2.45 3.68 1.25 0.1131 17.22 1.51 13.35 1.17 2.48 3.72 1.28 0.1132 18.01 1.58 13.88 1.21 2.49 3.74 1.30 0.1133 18.84 1.65 14.43 1.26 2.45 3.68 1.33 0.1234 19.71 1.72 15.01 1.31 2.45 3.68 1.35 0.1235 20.64 1.81 15.62 1.37 2.49 3.74 1.38 0.1236 21.62 1.89 16.25 1.42 2.53 3.80 1.42 0.1237 22.65 1.98 16.91 1.48 2.55 3.83 1.46 0.1338 23.73 2.08 17.59 1.54 2.61 3.92 1.50 0.1339 24.86 2.18 18.29 1.60 2.61 3.92 1.54 0.13

40 26.05 2.28 19.02 1.66 2.64 3.96 1.58 0.1441 27.30 2.39 19.77 1.73 2.66 3.99 1.65 0.1442 28.60 2.50 20.54 1.80 2.71 4.07 1.71 0.1543 29.96 2.62 21.34 1.87 2.74 4.11 1.78 0.1644 31.38 2.75 22.17 1.94 2.78 4.17 1.84 0.1645 32.85 2.87 23.03 2.02 2.87 4.31 1.91 0.1746 34.38 3.01 23.92 2.09 2.96 4.44 2.03 0.1847 35.97 3.15 24.83 2.17 3.09 4.64 2.15 0.1948 37.62 3.29 25.78 2.26 3.24 4.86 2.27 0.2049 39.31 3.44 26.76 2.34 3.38 5.07 2.39 0.2150 41.06 3.59 27.78 2.43 3.47 5.21 2.51 0.2251 42.86 3.75 28.83 2.52 3.54 5.31 2.51 0.2252 44.70 3.91 29.92 2.62 3.67 5.51 2.51 0.2253 46.60 4.08 31.04 2.72 3.88 5.82 2.51 0.2254 48.55 4.25 32.21 2.82 4.21 6.32 2.51 0.2255 50.55 4.42 33.44 2.93 5.88 8.82 2.51 0.2256 52.51 4.59 34.67 3.03 2.51 0.2257 54.44 4.76 35.91 3.14 2.51 0.2258 56.46 4.94 37.22 3.26 2.51 0.2259 58.70 5.14 38.67 3.38 2.51 0.22

60 61.27 5.36 40.33 3.53 2.51 0.2261 64.14 5.61 42.12 3.6962 67.23 5.88 43.99 3.8563 70.60 6.18 46.07 4.0364 74.30 6.50 48.46 4.2465 78.40 6.86 51.30 4.4966 83.06 7.27 54.67 4.7867 88.00 7.70 58.36 5.1168 93.21 8.16 62.36 5.4669 98.68 8.63 66.67 5.8370 104.43 9.14 71.29 6.24

AccidentalDeath and

(% of basic premium (per 1000)Total Disability Dismemberment

Male Basic

(per 1000) (per 1000) Premium Rate Premium Rate

Female Basic


Sagicor Life Inc LIFE SAVER II - OPTION 1OECS PREMIUM RATES

Preferred


15 8.06 0.71 7.42 0.65 2.58 3.87 1.25 0.1116 8.06 0.71 7.42 0.65 2.65 3.98 1.25 0.1117 8.06 0.71 7.42 0.65 2.62 3.93 1.25 0.1118 8.06 0.71 7.42 0.65 2.67 4.01 1.25 0.1119 8.06 0.71 7.42 0.65 2.71 4.07 1.25 0.1120 8.06 0.71 7.42 0.65 2.74 4.11 1.25 0.1121 8.20 0.72 7.53 0.66 2.76 4.14 1.25 0.1122 8.39 0.73 7.67 0.67 2.68 4.02 1.25 0.1123 8.62 0.75 7.85 0.69 2.69 4.04 1.25 0.1124 8.86 0.78 8.05 0.70 2.68 4.02 1.25 0.11

25 9.11 0.80 8.25 0.72 2.67 4.01 1.25 0.1126 9.35 0.82 8.46 0.74 2.65 3.98 1.25 0.1127 9.60 0.84 8.69 0.76 2.55 3.83 1.25 0.1128 9.86 0.86 8.94 0.78 2.52 3.78 1.25 0.1129 10.14 0.89 9.20 0.81 2.49 3.74 1.25 0.1130 10.45 0.91 9.48 0.83 2.45 3.68 1.25 0.1131 10.79 0.94 9.78 0.86 2.48 3.72 1.28 0.1132 11.15 0.98 10.09 0.88 2.49 3.74 1.30 0.1133 11.53 1.01 10.42 0.91 2.45 3.68 1.33 0.1234 11.95 1.05 10.77 0.94 2.45 3.68 1.35 0.12

35 12.40 1.09 11.14 0.97 2.49 3.74 1.38 0.1236 12.88 1.13 11.53 1.01 2.53 3.80 1.42 0.1237 13.38 1.17 11.93 1.04 2.55 3.83 1.46 0.1338 13.92 1.22 12.35 1.08 2.61 3.92 1.50 0.1339 14.50 1.27 12.81 1.12 2.61 3.92 1.54 0.1340 15.13 1.32 13.29 1.16 2.64 3.96 1.58 0.1441 15.81 1.38 13.80 1.21 2.66 3.99 1.65 0.1442 16.52 1.45 14.34 1.25 2.71 4.07 1.71 0.1543 17.28 1.51 14.91 1.30 2.74 4.11 1.78 0.1644 18.11 1.58 15.52 1.36 2.78 4.17 1.84 0.16

45 19.01 1.66 16.17 1.41 2.87 4.31 1.91 0.1746 19.98 1.75 16.86 1.48 2.96 4.44 2.03 0.1847 21.00 1.84 17.59 1.54 3.09 4.64 2.15 0.1948 22.10 1.93 18.36 1.61 3.24 4.86 2.27 0.2049 23.29 2.04 19.20 1.68 3.38 5.07 2.39 0.2150 24.59 2.15 20.10 1.76 3.47 5.21 2.51 0.2251 25.98 2.27 21.06 1.84 3.54 5.31 2.51 0.2252 27.46 2.40 22.07 1.93 3.67 5.51 2.51 0.2253 29.04 2.54 23.16 2.03 3.88 5.82 2.51 0.2254 30.75 2.69 24.33 2.13 4.21 6.32 2.51 0.22

55 32.61 2.85 25.60 2.24 5.88 8.82 2.51 0.2256 34.60 3.03 26.96 2.36 2.51 0.2257 36.70 3.21 28.39 2.48 2.51 0.2258 38.95 3.41 29.93 2.62 2.51 0.2259 41.38 3.62 31.60 2.77 2.51 0.2260 44.01 3.85 33.44 2.93 2.51 0.2261 46.82 4.10 35.39 3.1062 49.78 4.36 37.42 3.2763 52.94 4.63 39.63 3.4764 56.36 4.93 42.09 3.68

65 60.09 5.26 44.89 3.9366 64.12 5.61 48.03 4.2067 68.42 5.99 51.45 4.5068 73.00 6.39 55.15 4.8369 77.84 6.81 59.13 5.1770 82.96 7.26 63.40 5.55

Male Basic

(per 1000) Premium Rate Premium Rate Female Basic Death and

Total Disability Dismemberment(per 1000)

Accidental

(per 1000) (% of basic premium)



Standard


15 9.73 0.85 8.49 0.74 2.58 3.87 1.25 0.1116 9.73 0.85 8.49 0.74 2.65 3.98 1.25 0.1117 9.73 0.85 8.49 0.74 2.62 3.93 1.25 0.1118 9.73 0.85 8.49 0.74 2.67 4.01 1.25 0.1119 9.73 0.85 8.49 0.74 2.71 4.07 1.25 0.1120 9.73 0.85 8.49 0.74 2.74 4.11 1.25 0.1121 9.93 0.87 8.64 0.76 2.76 4.14 1.25 0.1122 10.20 0.89 8.85 0.77 2.68 4.02 1.25 0.1123 10.54 0.92 9.10 0.80 2.69 4.04 1.25 0.1124 10.90 0.95 9.37 0.82 2.68 4.02 1.25 0.11

25 11.28 0.99 9.66 0.85 2.67 4.01 1.25 0.1126 11.67 1.02 9.96 0.87 2.65 3.98 1.25 0.1127 12.09 1.06 10.28 0.90 2.55 3.83 1.25 0.1128 12.54 1.10 10.62 0.93 2.52 3.78 1.25 0.1129 13.02 1.14 10.98 0.96 2.49 3.74 1.25 0.1130 13.53 1.18 11.36 0.99 2.45 3.68 1.25 0.1131 14.07 1.23 11.76 1.03 2.48 3.72 1.28 0.1132 14.63 1.28 12.19 1.07 2.49 3.74 1.30 0.1133 15.23 1.33 12.63 1.11 2.45 3.68 1.33 0.1234 15.87 1.39 13.10 1.15 2.45 3.68 1.35 0.12

35 16.57 1.45 13.60 1.19 2.49 3.74 1.38 0.1236 17.32 1.52 14.12 1.24 2.53 3.80 1.42 0.1237 18.11 1.58 14.66 1.28 2.55 3.83 1.46 0.1338 18.95 1.66 15.23 1.33 2.61 3.92 1.50 0.1339 19.85 1.74 15.83 1.39 2.61 3.92 1.54 0.1340 20.82 1.82 16.46 1.44 2.64 3.96 1.58 0.1441 21.85 1.91 17.12 1.50 2.66 3.99 1.65 0.1442 22.93 2.01 17.80 1.56 2.71 4.07 1.71 0.1543 24.08 2.11 18.51 1.62 2.74 4.11 1.78 0.1644 25.31 2.21 19.26 1.69 2.78 4.17 1.84 0.16

45 26.63 2.33 20.05 1.75 2.87 4.31 1.91 0.1746 28.03 2.45 20.87 1.83 2.96 4.44 2.03 0.1847 29.51 2.58 21.72 1.90 3.09 4.64 2.15 0.1948 31.07 2.72 22.61 1.98 3.24 4.86 2.27 0.2049 32.73 2.86 23.56 2.06 3.38 5.07 2.39 0.2150 34.50 3.02 24.57 2.15 3.47 5.21 2.51 0.2251 36.37 3.18 25.63 2.24 3.54 5.31 2.51 0.2252 38.32 3.35 26.74 2.34 3.67 5.51 2.51 0.2253 40.38 3.53 27.91 2.44 3.88 5.82 2.51 0.2254 42.58 3.73 29.17 2.55 4.21 6.32 2.51 0.22

55 44.92 3.93 30.53 2.67 5.88 8.82 2.51 0.2256 47.39 4.15 31.97 2.80 2.51 0.2257 49.97 4.37 33.49 2.93 2.51 0.2258 52.71 4.61 35.10 3.07 2.51 0.2259 55.62 4.87 36.85 3.22 2.51 0.2260 58.76 5.14 38.77 3.39 2.51 0.2261 62.09 5.43 40.79 3.5762 65.59 5.74 42.90 3.7563 69.30 6.06 45.18 3.9564 73.25 6.41 47.73 4.18

65 77.50 6.78 50.65 4.4366 82.04 7.18 53.94 4.7267 86.84 7.60 57.53 5.0368 91.90 8.04 61.43 5.3869 97.23 8.51 65.63 5.7470 102.82 9.00 70.13 6.14

Premium Rate Premium Rate(per 1000)(per 1000)(per 1000) (% of basic premium)

Accidental Male Basic Female Basic

Total Disability DismembermentDeath and



Preferred


15 9.20 0.81 8.22 0.72 2.58 3.87 1.25 0.1116 9.20 0.81 8.22 0.72 2.65 3.98 1.25 0.1117 9.20 0.81 8.22 0.72 2.62 3.93 1.25 0.1118 9.20 0.81 8.22 0.72 2.67 4.01 1.25 0.1119 9.20 0.81 8.22 0.72 2.71 4.07 1.25 0.1120 9.20 0.81 8.22 0.72 2.74 4.11 1.25 0.1121 9.39 0.82 8.36 0.73 2.76 4.14 1.25 0.1122 9.66 0.85 8.56 0.75 2.68 4.02 1.25 0.1123 9.98 0.87 8.79 0.77 2.69 4.04 1.25 0.1124 10.33 0.90 9.05 0.79 2.68 4.02 1.25 0.11

25 10.68 0.93 9.31 0.81 2.67 4.01 1.25 0.1126 11.04 0.97 9.58 0.84 2.65 3.98 1.25 0.1127 11.42 1.00 9.87 0.86 2.55 3.83 1.25 0.1128 11.81 1.03 10.18 0.89 2.52 3.78 1.25 0.1129 12.24 1.07 10.51 0.92 2.49 3.74 1.25 0.1130 12.69 1.11 10.86 0.95 2.45 3.68 1.25 0.1131 13.17 1.15 11.22 0.98 2.48 3.72 1.28 0.1132 13.66 1.20 11.61 1.02 2.49 3.74 1.30 0.1133 14.19 1.24 12.01 1.05 2.45 3.68 1.33 0.1234 14.75 1.29 12.43 1.09 2.45 3.68 1.35 0.12

35 15.34 1.34 12.88 1.13 2.49 3.74 1.38 0.1236 15.97 1.40 13.35 1.17 2.53 3.80 1.42 0.1237 16.63 1.46 13.85 1.21 2.55 3.83 1.46 0.1338 17.32 1.52 14.37 1.26 2.61 3.92 1.50 0.1339 18.06 1.58 14.92 1.31 2.61 3.92 1.54 0.1340 18.84 1.65 15.49 1.36 2.64 3.96 1.58 0.1441 19.66 1.72 16.09 1.41 2.66 3.99 1.65 0.1442 20.53 1.80 16.71 1.46 2.71 4.07 1.71 0.1543 21.44 1.88 17.35 1.52 2.74 4.11 1.78 0.1644 22.40 1.96 18.03 1.58 2.78 4.17 1.84 0.16

45 23.42 2.05 18.75 1.64 2.87 4.31 1.91 0.1746 24.50 2.14 19.50 1.71 2.96 4.44 2.03 0.1847 25.63 2.24 20.28 1.77 3.09 4.64 2.15 0.1948 26.81 2.35 21.10 1.85 3.24 4.86 2.27 0.2049 28.06 2.46 21.95 1.92 3.38 5.07 2.39 0.2150 29.37 2.57 22.86 2.00 3.47 5.21 2.51 0.2251 30.74 2.69 23.81 2.08 3.54 5.31 2.51 0.2252 32.18 2.82 24.80 2.17 3.67 5.51 2.51 0.2253 33.68 2.95 25.84 2.26 3.88 5.82 2.51 0.2254 35.24 3.08 26.93 2.36 4.21 6.32 2.51 0.22

55 36.87 3.23 28.08 2.46 5.88 8.82 2.51 0.2256 38.51 3.37 29.25 2.56 2.51 0.2257 40.16 3.51 30.43 2.66 2.51 0.2258 41.91 3.67 31.69 2.77 2.51 0.2259 43.82 3.83 33.08 2.89 2.51 0.2260 45.99 4.02 34.65 3.03 2.51 0.2261 48.35 4.23 36.33 3.1862 50.85 4.45 38.08 3.3363 53.58 4.69 40.02 3.5064 56.63 4.96 42.25 3.70

65 60.09 5.26 44.89 3.9366 64.12 5.61 48.03 4.2067 68.42 5.99 51.45 4.5068 73.00 6.39 55.15 4.8369 77.84 6.81 59.13 5.1770 82.96 7.26 63.40 5.55

Total Disability Dismemberment Premium Rate Premium Rate(per 1000)(per 1000) (% of basic premium)(per 1000)

AccidentalDeath and Male Basic Female Basic



Standard


0 11.01 0.96 8.87 0.781 11.07 0.97 8.92 0.782 11.13 0.97 8.97 0.783 11.19 0.98 9.01 0.794 11.25 0.98 9.06 0.795 11.31 0.99 9.11 0.806 11.36 0.99 9.16 0.807 11.42 1.00 9.21 0.818 11.48 1.00 9.25 0.819 11.54 1.01 9.30 0.81

10 11.60 1.02 9.35 0.8211 11.66 1.02 9.40 0.8212 11.72 1.03 9.45 0.8313 11.78 1.03 9.49 0.8314 11.84 1.04 9.54 0.8315 11.90 1.04 9.59 0.84 2.58 3.87 1.25 0.1116 11.90 1.04 9.59 0.84 2.65 3.98 1.25 0.1117 11.90 1.04 9.59 0.84 2.62 3.93 1.25 0.1118 11.90 1.04 9.59 0.84 2.67 4.01 1.25 0.1119 11.90 1.04 9.59 0.84 2.71 4.07 1.25 0.11

20 11.90 1.04 9.59 0.84 2.74 4.11 1.25 0.1121 12.19 1.07 9.79 0.86 2.76 4.14 1.25 0.1122 12.60 1.10 10.07 0.88 2.68 4.02 1.25 0.1123 13.09 1.15 10.40 0.91 2.69 4.04 1.25 0.1124 13.62 1.19 10.75 0.94 2.68 4.02 1.25 0.1125 14.17 1.24 11.12 0.97 2.67 4.01 1.25 0.1126 14.73 1.29 11.49 1.01 2.65 3.98 1.25 0.1127 15.32 1.34 11.88 1.04 2.55 3.83 1.25 0.1128 15.94 1.39 12.29 1.08 2.52 3.78 1.25 0.1129 16.60 1.45 12.73 1.11 2.49 3.74 1.25 0.1130 17.30 1.51 13.19 1.15 2.45 3.68 1.25 0.1131 18.03 1.58 13.68 1.20 2.48 3.72 1.28 0.1132 18.80 1.65 14.20 1.24 2.49 3.74 1.30 0.1133 19.60 1.72 14.75 1.29 2.45 3.68 1.33 0.1234 20.45 1.79 15.32 1.34 2.45 3.68 1.35 0.1235 21.36 1.87 15.91 1.39 2.49 3.74 1.38 0.1236 22.32 1.95 16.52 1.45 2.53 3.80 1.42 0.1237 23.32 2.04 17.16 1.50 2.55 3.83 1.46 0.1338 24.38 2.13 17.83 1.56 2.61 3.92 1.50 0.1339 25.49 2.23 18.51 1.62 2.61 3.92 1.54 0.13

40 26.65 2.33 19.22 1.68 2.64 3.96 1.58 0.1441 27.87 2.44 19.95 1.75 2.66 3.99 1.65 0.1442 29.13 2.55 20.70 1.81 2.71 4.07 1.71 0.1543 30.45 2.66 21.48 1.88 2.74 4.11 1.78 0.1644 31.83 2.79 22.28 1.95 2.78 4.17 1.84 0.1645 33.26 2.91 23.12 2.02 2.87 4.31 1.91 0.1746 34.75 3.04 23.99 2.10 2.96 4.44 2.03 0.1847 36.29 3.18 24.88 2.18 3.09 4.64 2.15 0.1948 37.89 3.32 25.81 2.26 3.24 4.86 2.27 0.2049 39.53 3.46 26.77 2.34 3.38 5.07 2.39 0.2150 41.23 3.61 27.76 2.43 3.47 5.21 2.51 0.2251 42.97 3.76 28.78 2.52 3.54 5.31 2.51 0.2252 44.77 3.92 29.84 2.61 3.67 5.51 2.51 0.2253 46.61 4.08 30.92 2.71 3.88 5.82 2.51 0.2254 48.50 4.24 32.06 2.81 4.21 6.32 2.51 0.2255 50.44 4.41 33.25 2.91 5.88 8.82 2.51 0.2256 52.34 4.58 34.45 3.01 2.51 0.2257 54.21 4.74 35.66 3.12 2.51 0.2258 56.17 4.91 36.94 3.23 2.51 0.2259 58.33 5.10 38.35 3.36 2.51 0.22

60 60.83 5.32 39.97 3.50 2.51 0.2261 63.62 5.57 41.71 3.6562 66.63 5.83 43.53 3.8163 69.91 6.12 45.55 3.9964 73.51 6.43 47.89 4.1965 77.50 6.78 50.65 4.4366 82.04 7.18 53.94 4.7267 86.84 7.60 57.53 5.0368 91.90 8.04 61.43 5.3869 97.23 8.51 65.63 5.7470 102.82 9.00 70.13 6.14

Premium Rate DismembermentTotal Disability (per 1000)(% of basic premium)

Accidental Male Basic Female Basic Death and

(per 1000)(per 1000) Premium Rate


Sagicor Life Inc LIFE SAVER II - OPTION 1TRINIDAD TT$ PREMIUM RATES

Preferred

Total DisabilityWaiver of Premium Premium Rate

Premium RateAge Annual Monthly Annual Monthly Annual Monthly (% of premium) Annual Monthly

15 8.10 0.71 6.18 0.54 4.86 0.43 2.58 1.25 0.1116 8.10 0.71 6.18 0.54 4.86 0.43 2.65 1.25 0.1117 8.10 0.71 6.18 0.54 4.86 0.43 2.62 1.25 0.1118 8.10 0.71 6.18 0.54 4.86 0.43 2.67 1.25 0.1119 8.10 0.71 6.18 0.54 4.86 0.43 2.71 1.25 0.1120 8.10 0.71 6.18 0.54 4.86 0.43 2.74 1.25 0.1121 8.20 0.72 6.31 0.55 4.99 0.44 2.76 1.25 0.1122 8.34 0.73 6.48 0.57 5.16 0.45 2.68 1.25 0.1123 8.51 0.74 6.69 0.59 5.37 0.47 2.69 1.25 0.1124 8.70 0.76 6.92 0.61 5.60 0.49 2.68 1.25 0.11

25 8.91 0.78 7.16 0.63 5.84 0.51 2.67 1.25 0.1126 9.13 0.80 7.41 0.65 6.08 0.53 2.65 1.25 0.1127 9.37 0.82 7.67 0.67 6.34 0.55 2.55 1.25 0.1128 9.64 0.84 7.95 0.70 6.62 0.58 2.52 1.25 0.1129 9.92 0.87 8.24 0.72 6.92 0.61 2.49 1.25 0.1130 10.23 0.90 8.56 0.75 7.23 0.63 2.45 1.25 0.1131 10.56 0.92 8.89 0.78 7.56 0.66 2.48 1.28 0.1132 10.91 0.95 9.24 0.81 7.90 0.69 2.49 1.30 0.1133 11.29 0.99 9.61 0.84 8.26 0.72 2.45 1.33 0.1234 11.69 1.02 10.01 0.88 8.65 0.76 2.45 1.35 0.12

35 12.13 1.06 10.44 0.91 9.07 0.79 2.49 1.38 0.1236 12.60 1.10 10.89 0.95 9.52 0.83 2.53 1.42 0.1237 13.09 1.15 11.37 0.99 9.99 0.87 2.55 1.46 0.1338 13.61 1.19 11.87 1.04 10.50 0.92 2.61 1.50 0.1339 14.17 1.24 12.42 1.09 11.04 0.97 2.61 1.54 0.1340 14.78 1.29 13.02 1.14 11.63 1.02 2.64 1.58 0.1441 15.43 1.35 13.66 1.20 12.26 1.07 2.66 1.65 0.1442 16.11 1.41 14.34 1.25 12.93 1.13 2.71 1.71 0.1543 16.83 1.47 15.06 1.32 13.64 1.19 2.74 1.78 0.1644 17.62 1.54 15.85 1.39 14.41 1.26 2.78 1.84 0.16

45 18.49 1.62 16.71 1.46 15.25 1.33 2.87 1.91 0.1746 19.42 1.70 17.63 1.54 16.15 1.41 2.96 2.03 0.1847 20.42 1.79 18.61 1.63 17.11 1.50 3.09 2.15 0.1948 21.48 1.88 19.65 1.72 18.13 1.59 3.24 2.27 0.2049 22.64 1.98 20.78 1.82 19.23 1.68 3.38 2.39 0.2150 23.89 2.09 22.01 1.93 20.44 1.79 3.47 2.51 0.2251 25.23 2.21 23.33 2.04 21.73 1.90 3.54 2.51 0.2252 26.65 2.33 24.72 2.16 23.10 2.02 3.67 2.51 0.2253 28.17 2.46 26.21 2.29 24.56 2.15 3.88 2.51 0.2254 29.81 2.61 27.82 2.43 26.14 2.29 4.21 2.51 0.22

55 31.60 2.77 29.57 2.59 27.86 2.44 5.88 2.51 0.2256 33.51 2.93 31.44 2.75 29.69 2.6057 35.53 3.11 33.42 2.92 31.63 2.7758 37.70 3.30 35.53 3.11 33.70 2.9559 40.03 3.50 37.81 3.31 35.92 3.1460 42.56 3.72 40.28 3.52 38.34 3.3561 45.26 3.96 42.92 3.76 40.91 3.5862 48.11 4.21 45.70 4.00 43.63 3.8263 51.15 4.48 48.67 4.26 46.53 4.0764 54.44 4.76 51.88 4.54 49.66 4.35

65 58.02 5.08 55.37 4.84 53.06 4.6466 61.90 5.42 59.15 5.18 56.74 4.9667 66.03 5.78 63.18 5.53 60.66 5.3168 70.43 6.16 67.47 5.90 64.83 5.6769 75.09 6.57 72.01 6.30 69.25 6.0670 80.01 7.00 76.80 6.72 73.91 6.47

Basic Premium Rate per 1000

Band 1 Band 2 Band 3

AD&D

per 1000Male



Preferred

Total DisabilityWaiver of Premium


15 8.05 0.70 5.95 0.52 4.37 0.38 3.87 1.25 0.1116 8.05 0.70 5.95 0.52 4.37 0.38 3.98 1.25 0.1117 8.05 0.70 5.95 0.52 4.37 0.38 3.93 1.25 0.1118 8.05 0.70 5.95 0.52 4.37 0.38 4.01 1.25 0.1119 8.05 0.70 5.95 0.52 4.37 0.38 4.07 1.25 0.1120 8.05 0.70 5.95 0.52 4.37 0.38 4.11 1.25 0.1121 8.15 0.71 6.05 0.53 4.47 0.39 4.14 1.25 0.1122 8.30 0.73 6.20 0.54 4.62 0.40 4.02 1.25 0.1123 8.47 0.74 6.37 0.56 4.79 0.42 4.04 1.25 0.1124 8.66 0.76 6.55 0.57 4.98 0.44 4.02 1.25 0.11

25 8.86 0.78 6.75 0.59 5.17 0.45 4.01 1.25 0.1126 9.07 0.79 6.95 0.61 5.37 0.47 3.98 1.25 0.1127 9.29 0.81 7.17 0.63 5.58 0.49 3.83 1.25 0.1128 9.53 0.83 7.39 0.65 5.81 0.51 3.78 1.25 0.1129 9.78 0.86 7.64 0.67 6.05 0.53 3.74 1.25 0.1130 10.05 0.88 7.90 0.69 6.31 0.55 3.68 1.25 0.1131 10.33 0.90 8.18 0.72 6.58 0.58 3.72 1.28 0.1132 10.63 0.93 8.47 0.74 6.87 0.60 3.74 1.30 0.1133 10.95 0.96 8.78 0.77 7.17 0.63 3.68 1.33 0.1234 11.28 0.99 9.11 0.80 7.50 0.66 3.68 1.35 0.12

35 11.64 1.02 9.46 0.83 7.84 0.69 3.74 1.38 0.1236 12.02 1.05 9.83 0.86 8.20 0.72 3.80 1.42 0.1237 12.41 1.09 10.22 0.89 8.59 0.75 3.83 1.46 0.1338 12.83 1.12 10.64 0.93 8.99 0.79 3.92 1.50 0.1339 13.28 1.16 11.07 0.97 9.42 0.82 3.92 1.54 0.1340 13.75 1.20 11.54 1.01 9.88 0.86 3.96 1.58 0.1441 14.25 1.25 12.03 1.05 10.36 0.91 3.99 1.65 0.1442 14.76 1.29 12.53 1.10 10.86 0.95 4.07 1.71 0.1543 15.31 1.34 13.07 1.14 11.39 1.00 4.11 1.78 0.1644 15.90 1.39 13.64 1.19 11.96 1.05 4.17 1.84 0.16

45 16.53 1.45 14.26 1.25 12.57 1.10 4.31 1.91 0.1746 17.20 1.51 14.92 1.31 13.22 1.16 4.44 2.03 0.1847 17.90 1.57 15.61 1.37 13.90 1.22 4.64 2.15 0.1948 18.65 1.63 16.34 1.43 14.63 1.28 4.86 2.27 0.2049 19.46 1.70 17.13 1.50 15.41 1.35 5.07 2.39 0.2150 20.33 1.78 17.99 1.57 16.25 1.42 5.21 2.51 0.2251 21.26 1.86 18.90 1.65 17.15 1.50 5.31 2.51 0.2252 22.23 1.95 19.87 1.74 18.09 1.58 5.51 2.51 0.2253 23.27 2.04 20.89 1.83 19.09 1.67 5.82 2.51 0.2254 24.40 2.14 22.00 1.93 20.18 1.77 6.32 2.51 0.22

55 25.63 2.24 23.21 2.03 21.36 1.87 8.82 2.51 0.2256 26.94 2.36 24.50 2.14 22.63 1.9857 28.33 2.48 25.85 2.26 23.96 2.1058 29.82 2.61 27.30 2.39 25.39 2.2259 31.44 2.75 28.88 2.53 26.95 2.3660 33.21 2.91 30.61 2.68 28.65 2.5161 35.09 3.07 32.45 2.84 30.45 2.6662 37.05 3.24 34.37 3.01 32.34 2.8363 39.17 3.43 36.45 3.19 34.38 3.0164 41.54 3.63 38.78 3.39 36.65 3.21

65 44.24 3.87 41.41 3.62 39.23 3.4366 47.26 4.14 44.36 3.88 42.11 3.6867 50.55 4.42 47.57 4.16 45.25 3.9668 54.11 4.73 51.04 4.47 48.65 4.2669 57.95 5.07 54.78 4.79 52.29 4.5870 62.05 5.43 58.78 5.14 56.20 4.92



AD&D

per 1000Premium RateFemale



Standard



15 9.54 0.83 7.87 0.69 6.54 0.57 2.58 1.25 0.1116 9.54 0.83 7.87 0.69 6.54 0.57 2.65 1.25 0.1117 9.54 0.83 7.87 0.69 6.54 0.57 2.62 1.25 0.1118 9.54 0.83 7.87 0.69 6.54 0.57 2.67 1.25 0.1119 9.54 0.83 7.87 0.69 6.54 0.57 2.71 1.25 0.1120 9.54 0.83 7.87 0.69 6.54 0.57 2.74 1.25 0.1121 9.73 0.85 8.06 0.71 6.73 0.59 2.76 1.25 0.1122 10.00 0.88 8.32 0.73 6.98 0.61 2.68 1.25 0.1123 10.32 0.90 8.64 0.76 7.29 0.64 2.69 1.25 0.1124 10.67 0.93 8.99 0.79 7.63 0.67 2.68 1.25 0.11

25 11.04 0.97 9.35 0.82 7.99 0.70 2.67 1.25 0.1126 11.42 1.00 9.73 0.85 8.36 0.73 2.65 1.25 0.1127 11.82 1.03 10.13 0.89 8.75 0.77 2.55 1.25 0.1128 12.26 1.07 10.56 0.92 9.17 0.80 2.52 1.25 0.1129 12.72 1.11 11.01 0.96 9.62 0.84 2.49 1.25 0.1130 13.21 1.16 11.50 1.01 10.10 0.88 2.45 1.25 0.1131 13.73 1.20 12.01 1.05 10.60 0.93 2.48 1.28 0.1132 14.27 1.25 12.55 1.10 11.13 0.97 2.49 1.30 0.1133 14.85 1.30 13.11 1.15 11.68 1.02 2.45 1.33 0.1234 15.47 1.35 13.72 1.20 12.29 1.08 2.45 1.35 0.12

35 16.14 1.41 14.38 1.26 12.93 1.13 2.49 1.38 0.1236 16.86 1.48 15.09 1.32 13.62 1.19 2.53 1.42 0.1237 17.62 1.54 15.83 1.39 14.36 1.26 2.55 1.46 0.1338 18.42 1.61 16.63 1.46 15.14 1.32 2.61 1.50 0.1339 19.29 1.69 17.48 1.53 15.97 1.40 2.61 1.54 0.1340 20.22 1.77 18.39 1.61 16.87 1.48 2.64 1.58 0.1441 21.21 1.86 19.36 1.69 17.82 1.56 2.66 1.65 0.1442 22.26 1.95 20.38 1.78 18.82 1.65 2.71 1.71 0.1543 23.37 2.04 21.47 1.88 19.88 1.74 2.74 1.78 0.1644 24.56 2.15 22.63 1.98 21.01 1.84 2.78 1.84 0.16

45 25.83 2.26 23.87 2.09 22.23 1.95 2.87 1.91 0.1746 27.18 2.38 25.19 2.20 23.53 2.06 2.96 2.03 0.1847 28.62 2.50 26.58 2.33 24.89 2.18 3.09 2.15 0.1948 30.09 2.63 28.06 2.46 26.34 2.30 3.24 2.27 0.2049 31.69 2.77 29.62 2.59 27.87 2.44 3.38 2.39 0.2150 33.39 2.92 31.29 2.74 29.50 2.58 3.47 2.51 0.2251 35.19 3.08 33.05 2.89 31.21 2.73 3.54 2.51 0.2252 37.07 3.24 34.89 3.05 33.01 2.89 3.67 2.51 0.2253 39.05 3.42 36.83 3.22 34.90 3.05 3.88 2.51 0.2254 41.16 3.60 38.90 3.40 36.91 3.23 4.21 2.51 0.22

55 43.42 3.80 41.10 3.60 39.05 3.42 5.88 2.51 0.2256 45.80 4.01 43.42 3.80 41.31 3.6157 48.28 4.22 45.84 4.01 43.67 3.8258 50.91 4.45 48.40 4.24 46.17 4.0459 53.72 4.70 51.13 4.47 48.83 4.2760 56.73 4.96 54.06 4.73 51.69 4.5261 59.93 5.24 57.18 5.00 54.72 4.7962 63.29 5.54 60.45 5.29 57.91 5.0763 66.85 5.85 63.92 5.59 61.29 5.3664 70.65 6.18 67.62 5.92 64.89 5.68

65 74.73 6.54 71.59 6.26 68.75 6.0266 79.09 6.92 75.83 6.64 72.87 6.3867 83.70 7.32 80.31 7.03 77.22 6.7668 88.56 7.75 85.04 7.44 81.81 7.1669 93.68 8.20 90.01 7.88 86.64 7.5870 99.05 8.67 95.22 8.33 91.70 8.02



AD&D

per 1000Male



Standard



15 9.07 0.79 6.97 0.61 5.37 0.47 3.87 1.25 0.1116 9.07 0.79 6.97 0.61 5.37 0.47 3.98 1.25 0.1117 9.07 0.79 6.97 0.61 5.37 0.47 3.93 1.25 0.1118 9.07 0.79 6.97 0.61 5.37 0.47 4.01 1.25 0.1119 9.07 0.79 6.97 0.61 5.37 0.47 4.07 1.25 0.1120 9.07 0.79 6.97 0.61 5.37 0.47 4.11 1.25 0.1121 9.22 0.81 7.11 0.62 5.51 0.48 4.14 1.25 0.1122 9.42 0.82 7.31 0.64 5.71 0.50 4.02 1.25 0.1123 9.66 0.85 7.55 0.66 5.94 0.52 4.04 1.25 0.1124 9.92 0.87 7.81 0.68 6.20 0.54 4.02 1.25 0.11

25 10.20 0.89 8.08 0.71 6.47 0.57 4.01 1.25 0.1126 10.49 0.92 8.36 0.73 6.74 0.59 3.98 1.25 0.1127 10.79 0.94 8.66 0.76 7.03 0.62 3.83 1.25 0.1128 11.12 0.97 8.98 0.79 7.35 0.64 3.78 1.25 0.1129 11.46 1.00 9.32 0.82 7.68 0.67 3.74 1.25 0.1130 11.83 1.04 9.68 0.85 8.03 0.70 3.68 1.25 0.1131 12.22 1.07 10.06 0.88 8.41 0.74 3.72 1.28 0.1132 12.63 1.11 10.46 0.92 8.80 0.77 3.74 1.30 0.1133 13.06 1.14 10.88 0.95 9.22 0.81 3.68 1.33 0.1234 13.52 1.18 11.33 0.99 9.67 0.85 3.68 1.35 0.12

35 14.00 1.23 11.80 1.03 10.13 0.89 3.74 1.38 0.1236 14.50 1.27 12.29 1.08 10.62 0.93 3.80 1.42 0.1237 15.03 1.32 12.81 1.12 11.12 0.97 3.83 1.46 0.1338 15.58 1.36 13.35 1.17 11.65 1.02 3.92 1.50 0.1339 16.16 1.41 13.92 1.22 12.21 1.07 3.92 1.54 0.1340 16.77 1.47 14.51 1.27 12.79 1.12 3.96 1.58 0.1441 17.40 1.52 15.13 1.32 13.40 1.17 3.99 1.65 0.1442 18.05 1.58 15.77 1.38 14.02 1.23 4.07 1.71 0.1543 18.74 1.64 16.44 1.44 14.68 1.28 4.11 1.78 0.1644 19.45 1.70 17.14 1.50 15.37 1.34 4.17 1.84 0.16

45 20.21 1.77 17.89 1.57 16.10 1.41 4.31 1.91 0.1746 21.00 1.84 18.67 1.63 16.87 1.48 4.44 2.03 0.1847 21.82 1.91 19.48 1.70 17.66 1.55 4.64 2.15 0.1948 22.68 1.98 20.33 1.78 18.50 1.62 4.86 2.27 0.2049 23.59 2.06 21.23 1.86 19.39 1.70 5.07 2.39 0.2150 24.57 2.15 22.19 1.94 20.33 1.78 5.21 2.51 0.2251 25.60 2.24 23.20 2.03 21.32 1.87 5.31 2.51 0.2252 26.67 2.33 24.24 2.12 22.35 1.96 5.51 2.51 0.2253 27.81 2.43 25.35 2.22 23.44 2.05 5.82 2.51 0.2254 29.03 2.54 26.54 2.32 24.61 2.15 6.32 2.51 0.22

55 30.34 2.65 27.82 2.43 25.87 2.26 8.82 2.51 0.2256 31.73 2.78 29.18 2.55 27.21 2.3857 33.18 2.90 30.61 2.68 28.61 2.5058 34.73 3.04 32.14 2.81 30.10 2.6359 36.41 3.19 33.79 2.96 31.72 2.7860 38.26 3.35 35.60 3.12 33.49 2.9361 40.21 3.52 37.50 3.28 35.36 3.0962 42.24 3.70 39.49 3.46 37.30 3.2663 44.45 3.89 41.63 3.64 39.41 3.4564 46.91 4.10 44.03 3.85 41.77 3.65

65 49.73 4.35 46.78 4.09 44.45 3.8966 52.90 4.63 49.87 4.36 47.46 4.1567 56.35 4.93 53.24 4.66 50.75 4.4468 60.10 5.26 56.90 4.98 54.31 4.7569 64.13 5.61 60.84 5.32 58.15 5.0970 68.46 5.99 65.07 5.69 62.26 5.45



AD&D




Preferred



15 9.04 0.79 7.32 0.64 5.95 0.52 2.58 1.25 0.1116 9.04 0.79 7.32 0.64 5.95 0.52 2.65 1.25 0.1117 9.04 0.79 7.32 0.64 5.95 0.52 2.62 1.25 0.1118 9.04 0.79 7.32 0.64 5.95 0.52 2.67 1.25 0.1119 9.04 0.79 7.32 0.64 5.95 0.52 2.71 1.25 0.1120 9.04 0.79 7.32 0.64 5.95 0.52 2.74 1.25 0.1121 9.22 0.81 7.50 0.66 6.12 0.54 2.76 1.25 0.1122 9.48 0.83 7.75 0.68 6.36 0.56 2.68 1.25 0.1123 9.78 0.86 8.04 0.70 6.65 0.58 2.69 1.25 0.1124 10.11 0.88 8.37 0.73 6.97 0.61 2.68 1.25 0.11

25 10.45 0.91 8.70 0.76 7.29 0.64 2.67 1.25 0.1126 10.80 0.95 9.04 0.79 7.62 0.67 2.65 1.25 0.1127 11.17 0.98 9.40 0.82 7.97 0.70 2.55 1.25 0.1128 11.56 1.01 9.78 0.86 8.34 0.73 2.52 1.25 0.1129 11.97 1.05 10.18 0.89 8.73 0.76 2.49 1.25 0.1130 12.41 1.09 10.61 0.93 9.15 0.80 2.45 1.25 0.1131 12.87 1.13 11.06 0.97 9.59 0.84 2.48 1.28 0.1132 13.35 1.17 11.53 1.01 10.04 0.88 2.49 1.30 0.1133 13.85 1.21 12.02 1.05 10.52 0.92 2.45 1.33 0.1234 14.39 1.26 12.55 1.10 11.03 0.97 2.45 1.35 0.12

35 14.96 1.31 13.11 1.15 11.58 1.01 2.49 1.38 0.1236 15.56 1.36 13.70 1.20 12.16 1.06 2.53 1.42 0.1237 16.20 1.42 14.32 1.25 12.76 1.12 2.55 1.46 0.1338 16.87 1.48 14.97 1.31 13.40 1.17 2.61 1.50 0.1339 17.57 1.54 15.66 1.37 14.08 1.23 2.61 1.54 0.1340 18.33 1.60 16.40 1.44 14.80 1.30 2.64 1.58 0.1441 19.13 1.67 17.18 1.50 15.56 1.36 2.66 1.65 0.1442 19.97 1.75 18.00 1.58 16.37 1.43 2.71 1.71 0.1543 20.85 1.82 18.87 1.65 17.21 1.51 2.74 1.78 0.1644 21.78 1.91 19.78 1.73 18.11 1.58 2.78 1.84 0.16

45 22.77 1.99 20.75 1.82 19.06 1.67 2.87 1.91 0.1746 23.81 2.08 21.77 1.90 20.07 1.76 2.96 2.03 0.1847 24.90 2.18 22.85 2.00 21.12 1.85 3.09 2.15 0.1948 26.04 2.28 23.97 2.10 22.23 1.95 3.24 2.27 0.2049 27.24 2.38 25.15 2.20 23.39 2.05 3.38 2.39 0.2150 28.50 2.49 26.40 2.31 24.62 2.15 3.47 2.51 0.2251 29.83 2.61 27.71 2.42 25.91 2.27 3.54 2.51 0.2252 31.22 2.73 29.07 2.54 27.25 2.38 3.67 2.51 0.2253 32.67 2.86 30.50 2.67 28.65 2.51 3.88 2.51 0.2254 34.19 2.99 31.98 2.80 30.12 2.64 4.21 2.51 0.22

55 35.76 3.13 33.53 2.93 31.64 2.77 5.88 2.51 0.2256 37.34 3.27 35.09 3.07 33.18 2.9057 38.94 3.41 36.67 3.21 34.74 3.0458 40.62 3.55 38.33 3.35 36.38 3.1859 42.64 3.73 40.15 3.51 38.17 3.3460 44.54 3.90 42.20 3.69 40.18 3.5261 46.80 4.10 44.41 3.89 42.35 3.7162 49.19 4.30 46.75 4.09 44.64 3.9163 51.79 4.53 49.29 4.31 47.13 4.1264 54.70 4.79 52.14 4.56 49.90 4.37

65 58.02 5.08 55.37 4.84 53.06 4.6466 61.90 5.42 59.15 5.18 56.74 4.9667 66.03 5.78 63.18 5.53 60.66 5.3168 70.43 6.16 67.47 5.90 64.83 5.6769 75.09 6.57 72.01 6.30 69.25 6.0670 80.01 7.00 76.80 6.72 73.91 6.47



AD&D

per 1000Male



Preferred



15 8.82 0.77 6.67 0.58 5.04 0.44 3.87 1.25 0.1116 8.82 0.77 6.67 0.58 5.04 0.44 3.98 1.25 0.1117 8.82 0.77 6.67 0.58 5.04 0.44 3.93 1.25 0.1118 8.82 0.77 6.67 0.58 5.04 0.44 4.01 1.25 0.1119 8.82 0.77 6.67 0.58 5.04 0.44 4.07 1.25 0.1120 8.82 0.77 6.67 0.58 5.04 0.44 4.11 1.25 0.1121 8.96 0.78 6.80 0.60 5.17 0.45 4.14 1.25 0.1122 9.15 0.80 6.99 0.61 5.35 0.47 4.02 1.25 0.1123 9.38 0.82 7.21 0.63 5.57 0.49 4.04 1.25 0.1124 9.63 0.84 7.46 0.65 5.81 0.51 4.02 1.25 0.11

25 9.89 0.87 7.71 0.67 6.05 0.53 4.01 1.25 0.1126 10.15 0.89 7.97 0.70 6.30 0.55 3.98 1.25 0.1127 10.43 0.91 8.24 0.72 6.56 0.57 3.83 1.25 0.1128 10.73 0.94 8.53 0.75 6.84 0.60 3.78 1.25 0.1129 11.04 0.97 8.83 0.77 7.14 0.62 3.74 1.25 0.1130 11.38 1.00 9.16 0.80 7.46 0.65 3.68 1.25 0.1131 11.73 1.03 9.51 0.83 7.80 0.68 3.72 1.28 0.1132 12.11 1.06 9.87 0.86 8.15 0.71 3.74 1.30 0.1133 12.50 1.09 10.25 0.90 8.53 0.75 3.68 1.33 0.1234 12.91 1.13 10.65 0.93 8.92 0.78 3.68 1.35 0.12

35 13.35 1.17 11.08 0.97 9.34 0.82 3.74 1.38 0.1236 13.81 1.21 11.53 1.01 9.78 0.86 3.80 1.42 0.1237 14.28 1.25 12.00 1.05 10.23 0.90 3.83 1.46 0.1338 14.78 1.29 12.49 1.09 10.71 0.94 3.92 1.50 0.1339 15.31 1.34 13.00 1.14 11.21 0.98 3.92 1.54 0.1340 15.86 1.39 13.54 1.18 11.74 1.03 3.96 1.58 0.1441 16.44 1.44 14.10 1.23 12.29 1.08 3.99 1.65 0.1442 17.03 1.49 14.69 1.29 12.87 1.13 4.07 1.71 0.1543 17.66 1.55 15.30 1.34 13.47 1.18 4.11 1.78 0.1644 18.32 1.60 15.94 1.39 14.11 1.23 4.17 1.84 0.16

45 19.01 1.66 16.62 1.45 14.78 1.29 4.31 1.91 0.1746 19.74 1.73 17.33 1.52 15.49 1.36 4.44 2.03 0.1847 20.50 1.79 18.08 1.58 16.22 1.42 4.64 2.15 0.1948 21.30 1.86 18.86 1.65 16.99 1.49 4.86 2.27 0.2049 22.13 1.94 19.68 1.72 17.81 1.56 5.07 2.39 0.2150 23.01 2.01 20.54 1.80 18.66 1.63 5.21 2.51 0.2251 23.93 2.09 21.45 1.88 19.55 1.71 5.31 2.51 0.2252 24.88 2.18 22.39 1.96 20.48 1.79 5.51 2.51 0.2253 25.87 2.26 23.38 2.05 21.46 1.88 5.82 2.51 0.2254 26.91 2.35 24.42 2.14 22.48 1.97 6.32 2.51 0.22

55 28.02 2.45 25.51 2.23 23.56 2.06 8.82 2.51 0.2256 29.15 2.55 26.63 2.33 24.67 2.1657 30.31 2.65 27.76 2.43 25.80 2.2658 31.54 2.76 28.97 2.53 27.00 2.3659 32.89 2.88 30.29 2.65 28.31 2.4860 34.41 3.01 31.78 2.78 29.78 2.6161 36.03 3.15 33.37 2.92 31.34 2.7462 37.71 3.30 35.02 3.06 32.97 2.8863 39.57 3.46 36.84 3.22 34.75 3.0464 41.71 3.65 38.93 3.41 36.81 3.22

65 44.24 3.87 41.41 3.62 39.23 3.4366 47.26 4.14 44.36 3.88 42.11 3.6867 50.55 4.42 47.57 4.16 45.25 3.9668 54.11 4.73 51.04 4.47 48.65 4.2669 57.95 5.07 54.78 4.79 52.29 4.5870 62.05 5.43 58.78 5.14 56.20 4.92



AD&D




Standard



0 10.77 0.94 10.77 0.94 10.77 0.941 10.83 0.95 10.83 0.95 10.83 0.952 10.88 0.95 10.88 0.95 10.88 0.953 10.94 0.96 10.94 0.96 10.94 0.964 11.00 0.96 11.00 0.96 11.00 0.965 11.06 0.97 11.06 0.97 11.06 0.976 11.12 0.97 11.12 0.97 11.12 0.977 11.17 0.98 11.17 0.98 11.17 0.988 11.23 0.98 11.23 0.98 11.23 0.989 11.29 0.99 11.29 0.99 11.29 0.99

10 11.35 0.99 11.35 0.99 11.35 0.9911 11.41 1.00 11.41 1.00 11.41 1.0012 11.47 1.00 11.47 1.00 11.47 1.0013 11.52 1.01 11.52 1.01 11.52 1.0114 11.58 1.01 11.58 1.01 11.58 1.01

15 11.64 1.02 9.84 0.86 8.39 0.73 2.58 1.25 0.1116 11.64 1.02 9.84 0.86 8.39 0.73 2.65 1.25 0.1117 11.64 1.02 9.84 0.86 8.39 0.73 2.62 1.25 0.1118 11.64 1.02 9.84 0.86 8.39 0.73 2.67 1.25 0.1119 11.64 1.02 9.84 0.86 8.39 0.73 2.71 1.25 0.1120 11.64 1.02 9.84 0.86 8.39 0.73 2.74 1.25 0.1121 11.93 1.04 10.12 0.89 8.66 0.76 2.76 1.25 0.1122 12.32 1.08 10.51 0.92 9.04 0.79 2.68 1.25 0.1123 12.80 1.12 10.97 0.96 9.48 0.83 2.69 1.25 0.1124 13.31 1.16 11.48 1.00 9.97 0.87 2.68 1.25 0.11

25 13.84 1.21 11.99 1.05 10.47 0.92 2.67 1.25 0.1126 14.38 1.26 12.51 1.09 10.98 0.96 2.65 1.25 0.1127 14.95 1.31 13.06 1.14 11.51 1.01 2.55 1.25 0.1128 15.55 1.36 13.65 1.19 12.08 1.06 2.52 1.25 0.1129 16.18 1.42 14.26 1.25 12.68 1.11 2.49 1.25 0.1130 16.86 1.48 14.92 1.31 13.32 1.17 2.45 1.25 0.1131 17.57 1.54 15.61 1.37 13.99 1.22 2.48 1.28 0.1132 18.31 1.60 16.33 1.43 14.69 1.29 2.49 1.30 0.1133 19.09 1.67 17.09 1.50 15.43 1.35 2.45 1.33 0.1234 19.92 1.74 17.89 1.57 16.21 1.42 2.45 1.35 0.12

35 20.79 1.82 18.74 1.64 17.04 1.49 2.49 1.38 0.1236 21.71 1.90 19.64 1.72 17.92 1.57 2.53 1.42 0.1237 22.68 1.98 20.58 1.80 18.83 1.65 2.55 1.46 0.1338 23.70 2.07 21.58 1.89 19.80 1.73 2.61 1.50 0.1339 24.76 2.17 22.62 1.98 20.81 1.82 2.61 1.54 0.1340 25.88 2.26 23.71 2.07 21.88 1.91 2.64 1.58 0.1441 27.05 2.37 24.86 2.18 23.00 2.01 2.66 1.65 0.1442 28.28 2.47 26.05 2.28 24.17 2.11 2.71 1.71 0.1543 29.55 2.59 27.30 2.39 25.39 2.22 2.74 1.78 0.1644 30.88 2.70 28.60 2.50 26.66 2.33 2.78 1.84 0.16

45 32.26 2.82 29.95 2.62 27.98 2.45 2.87 1.91 0.1746 33.70 2.95 31.36 2.74 29.36 2.57 2.96 2.03 0.1847 35.19 3.08 32.82 2.87 30.79 2.69 3.09 2.15 0.1948 36.74 3.21 34.34 3.00 32.28 2.82 3.24 2.27 0.2049 38.33 3.35 35.90 3.14 33.81 2.96 3.38 2.39 0.2150 39.97 3.50 37.51 3.28 35.39 3.10 3.47 2.51 0.2251 41.65 3.64 39.17 3.43 37.01 3.24 3.54 2.51 0.2252 43.38 3.80 40.87 3.58 38.69 3.39 3.67 2.51 0.2253 45.15 3.95 42.62 3.73 40.41 3.54 3.88 2.51 0.2254 46.97 4.11 44.42 3.89 42.17 3.69 4.21 2.51 0.22

55 48.83 4.27 46.26 4.05 43.98 3.85 5.88 2.51 0.2256 50.66 4.43 48.07 4.21 45.76 4.0057 52.47 4.59 49.85 4.36 47.52 4.1658 54.36 4.76 51.71 4.52 49.36 4.3259 56.44 4.94 53.76 4.70 51.38 4.5060 58.84 5.15 56.11 4.91 53.68 4.7061 61.51 5.38 58.72 5.14 56.22 4.9262 64.37 5.63 61.51 5.38 58.94 5.1663 67.48 5.90 64.54 5.65 61.90 5.4264 70.92 6.21 67.88 5.94 65.15 5.70

65 74.73 6.54 71.59 6.26 68.75 6.0266 79.09 6.92 75.83 6.64 72.87 6.3867 83.70 7.32 80.31 7.03 77.22 6.7668 88.56 7.75 85.04 7.44 81.81 7.1669 93.68 8.20 90.01 7.88 86.64 7.5870 99.05 8.67 95.22 8.33 91.70 8.02



AD&D

per 1000Male



Standard



0 9.41 0.82 9.41 0.82 9.41 0.821 9.46 0.83 9.46 0.83 9.46 0.832 9.51 0.83 9.51 0.83 9.51 0.833 9.56 0.84 9.56 0.84 9.56 0.844 9.61 0.84 9.61 0.84 9.61 0.845 9.66 0.85 9.66 0.85 9.66 0.856 9.71 0.85 9.71 0.85 9.71 0.857 9.76 0.85 9.76 0.85 9.76 0.858 9.81 0.86 9.81 0.86 9.81 0.869 9.86 0.86 9.86 0.86 9.86 0.86

10 9.92 0.87 9.92 0.87 9.92 0.8711 9.97 0.87 9.97 0.87 9.97 0.8712 10.02 0.88 10.02 0.88 10.02 0.8813 10.07 0.88 10.07 0.88 10.07 0.8814 10.12 0.89 10.12 0.89 10.12 0.89

15 10.17 0.89 7.96 0.70 6.29 0.55 3.87 1.25 0.1116 10.17 0.89 7.96 0.70 6.29 0.55 3.98 1.25 0.1117 10.17 0.89 7.96 0.70 6.29 0.55 3.93 1.25 0.1118 10.17 0.89 7.96 0.70 6.29 0.55 4.01 1.25 0.1119 10.17 0.89 7.96 0.70 6.29 0.55 4.07 1.25 0.1120 10.17 0.89 7.96 0.70 6.29 0.55 4.11 1.25 0.1121 10.36 0.91 8.14 0.71 6.47 0.57 4.14 1.25 0.1122 10.62 0.93 8.40 0.74 6.72 0.59 4.02 1.25 0.1123 10.94 0.96 8.70 0.76 7.01 0.61 4.04 1.25 0.1124 11.28 0.99 9.04 0.79 7.34 0.64 4.02 1.25 0.11

25 11.63 1.02 9.38 0.82 7.67 0.67 4.01 1.25 0.1126 11.99 1.05 9.73 0.85 8.01 0.70 3.98 1.25 0.1127 12.36 1.08 10.10 0.88 8.37 0.73 3.83 1.25 0.1128 12.76 1.12 10.49 0.92 8.76 0.77 3.78 1.25 0.1129 13.18 1.15 10.90 0.95 9.16 0.80 3.74 1.25 0.1130 13.63 1.19 11.34 0.99 9.59 0.84 3.68 1.25 0.1131 14.11 1.23 11.80 1.03 10.04 0.88 3.72 1.28 0.1132 14.61 1.28 12.29 1.08 10.51 0.92 3.74 1.30 0.1133 15.14 1.32 12.80 1.12 11.01 0.96 3.68 1.33 0.1234 15.69 1.37 13.33 1.17 11.53 1.01 3.68 1.35 0.12

35 16.26 1.42 13.89 1.22 12.07 1.06 3.74 1.38 0.1236 16.85 1.47 14.47 1.27 12.63 1.11 3.80 1.42 0.1237 17.47 1.53 15.07 1.32 13.22 1.16 3.83 1.46 0.1338 18.10 1.58 15.70 1.37 13.83 1.21 3.92 1.50 0.1339 18.76 1.64 16.35 1.43 14.46 1.27 3.92 1.54 0.1340 19.45 1.70 17.02 1.49 15.12 1.32 3.96 1.58 0.1441 20.16 1.76 17.71 1.55 15.80 1.38 3.99 1.65 0.1442 20.89 1.83 18.43 1.61 16.50 1.44 4.07 1.71 0.1543 21.65 1.89 19.16 1.68 17.23 1.51 4.11 1.78 0.1644 22.43 1.96 19.93 1.74 17.98 1.57 4.17 1.84 0.16

45 23.24 2.03 20.72 1.81 18.76 1.64 4.31 1.91 0.1746 24.07 2.11 20.72 1.81 19.57 1.71 4.44 2.03 0.1847 24.93 2.18 22.39 1.96 20.41 1.79 4.64 2.15 0.1948 25.81 2.26 23.27 2.04 21.27 1.86 4.86 2.27 0.2049 26.73 2.34 24.18 2.12 22.17 1.94 5.07 2.39 0.2150 27.69 2.42 25.12 2.20 23.10 2.02 5.21 2.51 0.2251 28.68 2.51 26.10 2.28 24.06 2.11 5.31 2.51 0.2252 29.70 2.60 27.10 2.37 25.06 2.19 5.51 2.51 0.2253 30.76 2.69 28.14 2.46 26.08 2.28 5.82 2.51 0.2254 31.87 2.79 29.22 2.56 27.16 2.38 6.32 2.51 0.22

55 33.02 2.89 30.36 2.66 28.28 2.47 8.82 2.51 0.2256 34.18 2.99 31.51 2.76 29.42 2.5757 35.34 3.09 32.66 2.86 30.56 2.6758 36.57 3.20 33.88 2.96 31.78 2.7859 37.93 3.32 35.23 3.08 33.11 2.9060 39.48 3.45 36.76 3.22 34.62 3.0361 41.15 3.60 38.40 3.36 36.23 3.1762 42.90 3.75 40.11 3.51 37.92 3.3263 44.84 3.92 42.00 3.68 39.78 3.4864 47.08 4.12 44.19 3.87 41.92 3.67

65 49.73 4.35 46.78 4.09 44.45 3.8966 52.90 4.63 49.87 4.36 47.46 4.1567 56.35 4.93 53.24 4.66 50.75 4.4468 60.10 5.26 56.90 4.98 54.31 4.7569 64.13 5.61 60.84 5.32 58.15 5.0970 68.46 5.99 65.07 5.69 62.26 5.45



AD&D



Sagicor Life Inc LIFE SAVER II - OPTION 1CAPITAL LIFE TERRITORIES AND US$ POLICIES PREMIUM RATES

LOCAL CURRENCY

Preferred


15 6.44 0.56 5.93 0.52 2.58 3.87 1.25 0.1116 6.44 0.56 5.93 0.52 2.65 3.98 1.25 0.1117 6.44 0.56 5.93 0.52 2.62 3.93 1.25 0.1118 6.44 0.56 5.93 0.52 2.67 4.01 1.25 0.1119 6.44 0.56 5.93 0.52 2.71 4.07 1.25 0.1120 6.44 0.56 5.93 0.52 2.74 4.11 1.25 0.1121 6.57 0.57 6.04 0.53 2.76 4.14 1.25 0.1122 6.75 0.59 6.18 0.54 2.68 4.02 1.25 0.1123 6.97 0.61 6.36 0.56 2.69 4.04 1.25 0.1124 7.21 0.63 6.56 0.57 2.68 4.02 1.25 0.11

25 7.46 0.65 6.76 0.59 2.67 4.01 1.25 0.1126 7.71 0.67 6.97 0.61 2.65 3.98 1.25 0.1127 7.99 0.70 7.19 0.63 2.55 3.83 1.25 0.1128 8.27 0.72 7.43 0.65 2.52 3.78 1.25 0.1129 8.58 0.75 7.69 0.67 2.49 3.74 1.25 0.1130 8.91 0.78 7.96 0.70 2.45 3.68 1.25 0.1131 9.26 0.81 8.25 0.72 2.48 3.72 1.28 0.1132 9.62 0.84 8.55 0.75 2.49 3.74 1.30 0.1133 10.00 0.88 8.87 0.78 2.45 3.68 1.33 0.1234 10.41 0.91 9.21 0.81 2.45 3.68 1.35 0.12

35 10.85 0.95 9.57 0.84 2.49 3.74 1.38 0.1236 11.32 0.99 9.95 0.87 2.53 3.80 1.42 0.1237 11.81 1.03 10.35 0.91 2.55 3.83 1.46 0.1338 12.33 1.08 10.77 0.94 2.61 3.92 1.50 0.1339 12.89 1.13 11.22 0.98 2.61 3.92 1.54 0.1340 13.51 1.18 11.70 1.02 2.64 3.96 1.58 0.1441 14.17 1.24 12.21 1.07 2.66 3.99 1.65 0.1442 14.88 1.30 12.74 1.11 2.71 4.07 1.71 0.1543 15.63 1.37 13.30 1.16 2.74 4.11 1.78 0.1644 16.44 1.44 13.90 1.22 2.78 4.17 1.84 0.16

45 17.33 1.52 14.54 1.27 2.87 4.31 1.91 0.1746 18.28 1.60 15.22 1.33 2.96 4.44 2.03 0.1847 19.28 1.69 15.93 1.39 3.09 4.64 2.15 0.1948 20.36 1.78 16.69 1.46 3.24 4.86 2.27 0.2049 21.52 1.88 17.51 1.53 3.38 5.07 2.39 0.2150 22.79 1.99 18.39 1.61 3.47 5.21 2.51 0.2251 24.15 2.11 19.33 1.69 3.54 5.31 2.51 0.2252 25.60 2.24 20.32 1.78 3.67 5.51 2.51 0.2253 27.15 2.38 21.37 1.87 3.88 5.82 2.51 0.2254 28.82 2.52 22.51 1.97 4.21 6.32 2.51 0.22

55 30.64 2.68 23.76 2.08 5.88 8.82 2.51 0.2256 32.58 2.85 25.09 2.20 2.51 0.2257 34.64 3.03 26.50 2.32 2.51 0.2258 36.83 3.22 28.01 2.45 2.51 0.2259 39.20 3.43 29.65 2.59 2.51 0.2260 41.77 3.65 31.45 2.75 2.51 0.2261 44.51 3.89 33.35 2.9262 47.39 4.15 35.35 3.0963 50.48 4.42 37.50 3.2864 53.81 4.71 39.91 3.49

65 57.44 5.03 42.64 3.7366 61.37 5.37 45.70 4.0067 65.56 5.74 49.03 4.2968 70.01 6.13 52.63 4.6169 74.73 6.54 56.51 4.9470 79.71 6.97 60.66 5.31

Male Basic



Accidental




LOCAL CURRENCY

Standard


15 8.21 0.72 7.00 0.61 2.58 3.87 1.25 0.1116 8.21 0.72 7.00 0.61 2.65 3.98 1.25 0.1117 8.21 0.72 7.00 0.61 2.62 3.93 1.25 0.1118 8.21 0.72 7.00 0.61 2.67 4.01 1.25 0.1119 8.21 0.72 7.00 0.61 2.71 4.07 1.25 0.1120 8.21 0.72 7.00 0.61 2.74 4.11 1.25 0.1121 8.41 0.74 7.15 0.63 2.76 4.14 1.25 0.1122 8.68 0.76 7.35 0.64 2.68 4.02 1.25 0.1123 9.01 0.79 7.60 0.67 2.69 4.04 1.25 0.1124 9.37 0.82 7.87 0.69 2.68 4.02 1.25 0.11

25 9.74 0.85 8.15 0.71 2.67 4.01 1.25 0.1126 10.13 0.89 8.44 0.74 2.65 3.98 1.25 0.1127 10.54 0.92 8.74 0.76 2.55 3.83 1.25 0.1128 10.98 0.96 9.07 0.79 2.52 3.78 1.25 0.1129 11.45 1.00 9.42 0.82 2.49 3.74 1.25 0.1130 11.95 1.05 9.79 0.86 2.45 3.68 1.25 0.1131 12.48 1.09 10.19 0.89 2.48 3.72 1.28 0.1132 13.03 1.14 10.60 0.93 2.49 3.74 1.30 0.1133 13.62 1.19 11.05 0.97 2.45 3.68 1.33 0.1234 14.25 1.25 11.51 1.01 2.45 3.68 1.35 0.12

35 14.93 1.31 12.00 1.05 2.49 3.74 1.38 0.1236 15.66 1.37 12.51 1.09 2.53 3.80 1.42 0.1237 16.43 1.44 13.05 1.14 2.55 3.83 1.46 0.1338 17.25 1.51 13.61 1.19 2.61 3.92 1.50 0.1339 18.13 1.59 14.19 1.24 2.61 3.92 1.54 0.1340 19.08 1.67 14.81 1.30 2.64 3.96 1.58 0.1441 20.09 1.76 15.45 1.35 2.66 3.99 1.65 0.1442 21.15 1.85 16.12 1.41 2.71 4.07 1.71 0.1543 22.28 1.95 16.82 1.47 2.74 4.11 1.78 0.1644 23.48 2.05 17.56 1.54 2.78 4.17 1.84 0.16

45 24.77 2.17 18.33 1.60 2.87 4.31 1.91 0.1746 26.14 2.29 19.13 1.67 2.96 4.44 2.03 0.1847 27.58 2.41 19.97 1.75 3.09 4.64 2.15 0.1948 29.11 2.55 20.84 1.82 3.24 4.86 2.27 0.2049 30.73 2.69 21.76 1.90 3.38 5.07 2.39 0.2150 32.46 2.84 22.75 1.99 3.47 5.21 2.51 0.2251 34.29 3.00 23.79 2.08 3.54 5.31 2.51 0.2252 36.20 3.17 24.88 2.18 3.67 5.51 2.51 0.2253 38.22 3.34 26.03 2.28 3.88 5.82 2.51 0.2254 40.37 3.53 27.26 2.39 4.21 6.32 2.51 0.22

55 42.66 3.73 28.59 2.50 5.88 8.82 2.51 0.2256 45.07 3.94 30.00 2.63 2.51 0.2257 47.59 4.16 31.48 2.75 2.51 0.2258 50.25 4.40 33.06 2.89 2.51 0.2259 53.10 4.65 34.77 3.04 2.51 0.2260 56.15 4.91 36.64 3.21 2.51 0.2261 59.39 5.20 38.62 3.3862 62.80 5.50 40.67 3.5663 66.41 5.81 42.91 3.7564 70.26 6.15 45.40 3.97

65 74.39 6.51 48.25 4.2266 78.81 6.90 51.46 4.5067 83.48 7.30 54.95 4.8168 88.41 7.74 58.75 5.1469 93.59 8.19 62.84 5.5070 99.03 8.67 67.22 5.88

Male Basic



Accidental




LOCAL CURRENCY

Preferred


15 7.67 0.67 6.69 0.59 2.58 3.87 1.25 0.1116 7.67 0.67 6.69 0.59 2.65 3.98 1.25 0.1117 7.67 0.67 6.69 0.59 2.62 3.93 1.25 0.1118 7.67 0.67 6.69 0.59 2.67 4.01 1.25 0.1119 7.67 0.67 6.69 0.59 2.71 4.07 1.25 0.1120 7.67 0.67 6.69 0.59 2.74 4.11 1.25 0.1121 7.85 0.69 6.83 0.60 2.76 4.14 1.25 0.1122 8.11 0.71 7.02 0.61 2.68 4.02 1.25 0.1123 8.41 0.74 7.25 0.63 2.69 4.04 1.25 0.1124 8.75 0.77 7.50 0.66 2.68 4.02 1.25 0.11

25 9.09 0.80 7.76 0.68 2.67 4.01 1.25 0.1126 9.44 0.83 8.02 0.70 2.65 3.98 1.25 0.1127 9.81 0.86 8.31 0.73 2.55 3.83 1.25 0.1128 10.21 0.89 8.60 0.75 2.52 3.78 1.25 0.1129 10.63 0.93 8.92 0.78 2.49 3.74 1.25 0.1130 11.07 0.97 9.26 0.81 2.45 3.68 1.25 0.1131 11.54 1.01 9.62 0.84 2.48 3.72 1.28 0.1132 12.02 1.05 9.99 0.87 2.49 3.74 1.30 0.1133 12.54 1.10 10.39 0.91 2.45 3.68 1.33 0.1234 13.08 1.14 10.81 0.95 2.45 3.68 1.35 0.12

35 13.66 1.20 11.25 0.98 2.49 3.74 1.38 0.1236 14.27 1.25 11.71 1.02 2.53 3.80 1.42 0.1237 14.91 1.30 12.19 1.07 2.55 3.83 1.46 0.1338 15.59 1.36 12.70 1.11 2.61 3.92 1.50 0.1339 16.31 1.43 13.23 1.16 2.61 3.92 1.54 0.1340 17.07 1.49 13.79 1.21 2.64 3.96 1.58 0.1441 17.88 1.56 14.38 1.26 2.66 3.99 1.65 0.1442 18.73 1.64 14.98 1.31 2.71 4.07 1.71 0.1543 19.62 1.72 15.62 1.37 2.74 4.11 1.78 0.1644 20.57 1.80 16.29 1.43 2.78 4.17 1.84 0.16

45 21.57 1.89 17.00 1.49 2.87 4.31 1.91 0.1746 22.63 1.98 17.74 1.55 2.96 4.44 2.03 0.1847 23.74 2.08 18.52 1.62 3.09 4.64 2.15 0.1948 24.91 2.18 19.33 1.69 3.24 4.86 2.27 0.2049 26.13 2.29 20.18 1.77 3.38 5.07 2.39 0.2150 27.42 2.40 21.07 1.84 3.47 5.21 2.51 0.2251 28.77 2.52 22.00 1.93 3.54 5.31 2.51 0.2252 30.18 2.64 22.97 2.01 3.67 5.51 2.51 0.2253 31.65 2.77 23.99 2.10 3.88 5.82 2.51 0.2254 33.19 2.90 25.05 2.19 4.21 6.32 2.51 0.22

55 34.79 3.04 26.18 2.29 5.88 8.82 2.51 0.2256 36.41 3.19 27.33 2.39 2.51 0.2257 38.04 3.33 28.51 2.49 2.51 0.2258 39.76 3.48 29.76 2.60 2.51 0.2259 41.65 3.64 31.13 2.72 2.51 0.2260 43.77 3.83 32.67 2.86 2.51 0.2261 46.07 4.03 34.31 3.0062 48.49 4.24 36.02 3.1563 51.13 4.47 37.91 3.3264 54.08 4.73 40.08 3.51

65 57.44 5.03 42.64 3.7366 61.37 5.37 45.70 4.0067 65.56 5.74 49.03 4.2968 70.01 6.13 52.63 4.6169 74.73 6.54 56.51 4.9470 79.71 6.97 60.66 5.31

Male Basic



Accidental




LOCAL CURRENCY

Standard


0 9.53 0.83 7.44 0.651 9.58 0.84 7.48 0.652 9.63 0.84 7.52 0.663 9.68 0.85 7.56 0.664 9.73 0.85 7.60 0.675 9.79 0.86 7.64 0.676 9.84 0.86 7.68 0.677 9.89 0.87 7.72 0.688 9.94 0.87 7.76 0.689 9.99 0.87 7.80 0.68

10 10.04 0.88 7.84 0.6911 10.09 0.88 7.88 0.6912 10.15 0.89 7.92 0.6913 10.20 0.89 7.96 0.7014 10.25 0.90 8.00 0.7015 10.30 0.90 8.04 0.70 2.58 3.87 1.25 0.1116 10.30 0.90 8.04 0.70 2.65 3.98 1.25 0.1117 10.30 0.90 8.04 0.70 2.62 3.93 1.25 0.1118 10.30 0.90 8.04 0.70 2.67 4.01 1.25 0.1119 10.30 0.90 8.04 0.70 2.71 4.07 1.25 0.11

20 10.30 0.90 8.04 0.70 2.74 4.11 1.25 0.1121 10.59 0.93 8.23 0.72 2.76 4.14 1.25 0.1122 10.98 0.96 8.49 0.74 2.68 4.02 1.25 0.1123 11.46 1.00 8.81 0.77 2.69 4.04 1.25 0.1124 11.98 1.05 9.16 0.80 2.68 4.02 1.25 0.1125 12.51 1.09 9.51 0.83 2.67 4.01 1.25 0.1126 13.05 1.14 9.87 0.86 2.65 3.98 1.25 0.1127 13.63 1.19 10.26 0.90 2.55 3.83 1.25 0.1128 14.24 1.25 10.66 0.93 2.52 3.78 1.25 0.1129 14.89 1.30 11.09 0.97 2.49 3.74 1.25 0.1130 15.57 1.36 11.55 1.01 2.45 3.68 1.25 0.1131 16.29 1.43 12.03 1.05 2.48 3.72 1.28 0.1132 17.03 1.49 12.53 1.10 2.49 3.74 1.30 0.1133 17.82 1.56 13.06 1.14 2.45 3.68 1.33 0.1234 18.65 1.63 13.61 1.19 2.45 3.68 1.35 0.1235 19.54 1.71 14.19 1.24 2.49 3.74 1.38 0.1236 20.48 1.79 14.79 1.29 2.53 3.80 1.42 0.1237 21.46 1.88 15.42 1.35 2.55 3.83 1.46 0.1338 22.49 1.97 16.07 1.41 2.61 3.92 1.50 0.1339 23.57 2.06 16.75 1.47 2.61 3.92 1.54 0.13

40 24.71 2.16 17.45 1.53 2.64 3.96 1.58 0.1441 25.90 2.27 18.17 1.59 2.66 3.99 1.65 0.1442 27.14 2.37 18.91 1.65 2.71 4.07 1.71 0.1543 28.43 2.49 19.68 1.72 2.74 4.11 1.78 0.1644 29.78 2.61 20.47 1.79 2.78 4.17 1.84 0.1645 31.18 2.73 21.29 1.86 2.87 4.31 1.91 0.1746 32.64 2.86 22.14 1.94 2.96 4.44 2.03 0.1847 34.15 2.99 23.01 2.01 3.09 4.64 2.15 0.1948 35.72 3.13 23.92 2.09 3.24 4.86 2.27 0.2049 37.34 3.27 24.85 2.17 3.38 5.07 2.39 0.2150 39.01 3.41 25.83 2.26 3.47 5.21 2.51 0.2251 40.73 3.56 26.84 2.35 3.54 5.31 2.51 0.2252 42.49 3.72 27.89 2.44 3.67 5.51 2.51 0.2253 44.31 3.88 28.97 2.53 3.88 5.82 2.51 0.2254 46.17 4.04 30.09 2.63 4.21 6.32 2.51 0.2255 48.08 4.21 31.27 2.74 5.88 8.82 2.51 0.2256 49.95 4.37 32.45 2.84 2.51 0.2257 51.79 4.53 33.64 2.94 2.51 0.2258 53.71 4.70 34.90 3.05 2.51 0.2259 55.83 4.89 36.28 3.17 2.51 0.22

60 58.27 5.10 37.86 3.31 2.51 0.2261 60.98 5.34 39.56 3.4662 63.88 5.59 41.33 3.6263 67.04 5.87 43.29 3.7964 70.53 6.17 45.56 3.9965 74.39 6.51 48.25 4.2266 78.81 6.90 51.46 4.5067 83.48 7.30 54.95 4.8168 88.41 7.74 58.75 5.1469 93.59 8.19 62.84 5.5070 99.03 8.67 67.22 5.88

Male Basic



Accidental



Sagicor Life Inc Junior Life Saver

July 1, 2006 Page C.1B.1

JUNIOR LIFE SAVER Description The Junior Life Saver is a Whole of Life "Universal Life" Contract. The available issue ages are from 15 days to 15 years old using nearest birthday (but not before the date of first Pediatric Examination). The Death Benefit prior to age 21 will be the greater of the initial Sum Assured and the accumulated fund plus a $5,000.00 corridor. (This is similar to the Option 1 Life Saver II, with a reduced corridor). When the Life Insured attains age 21, the policy may be changed to an Option 2 policy. If this is done, the relevant rules of an Option 2 Life Saver II will apply. If the plan option is not changed, the relevant rules of an Option 1 Life Saver II will continue to apply. The Corridor will be increased to the amount applicable for an Option 1 Life Saver II in the relevant territory and currency (see page C1A.1). Minimum and Maximum Sums Assured (SA) and Add-Ons

Territory Currency Minimum SA Maximum SA Minimum Add-On Barbados BDS$ 10,000 100,000 10,000OECS Territories EC$ 10,000 100,000 10,000Trinidad TT$ 20,000 100,000 10,000Aruba AFL 10,000 50,000 10,000Belize BZ$ 10,000 50,000 10,000Curacao NAF 10,000 50,000 10,000St. Maarten NAF 10,000 50,000 10,000*US$ Policies US$ 10,000 100,000 10,000

*(Curacao, Aruba, St.Maarten, Trinidad, Anguilla and International only) Premiums The contract has the ability to facilitate Savings Premiums and lump sum payments. Mortality charges are based on a composite mortality up to age 21. On attaining age 21, the Life Insured will be required to complete a Smoking Questionnaire to determine the prevailing risk classification e.g. either Standard (Smoker) or Preferred (Non-Smoker). In the absence of a Smoking Questionnaire, the contract will be automatically classified as Standard (Smoker). Cash values and Interest Rates The Junior Life Saver's Cash Values will benefit from prevailing rates of interest. The rate of interest credited is the same as that for the Life Saver II Plan. However, there is a guaranteed minimum rate of interest of 4% per annum. Annual statements reflecting the performance of the plan will be sent to each Junior Life Saver Policyholder. If a contract is surrendered there is no surrender charge levied.



Administration Charges

Territory Currency Initial Charge Monthly Charge Barbados BDS$ 400.00 14.35 OECS Territories EC$ 400.00 19.35 Trinidad TT$ 850.00 35.50 Aruba AFL 720.00 18.30 Belize BZ$ 700.00 20.45 Curacao NAF 720.00 18.30 St. Maarten NAF 720.00 18.30 *US$ Policies US$ 250.00 10.20 *(Curacao, Aruba, St.Maarten, Trinidad, Anguilla and International only)

Policy Fees

Policy Fee Territory Currency Annual Semi-annual Quarterly Monthly Barbados BDS$ 150.00 75.00 39.00 13.00 OECS Territories EC$ 150.00 75.00 39.00 13.00 Trinidad TT$ 300.00 150.00 78.00 26.00 Aruba AFL 190.00 97.00 50.00 17.00 Belize BZ$ 210.00 107.00 55.00 18.00 Curacao NAF 190.00 97.00 50.00 17.00 St. Maarten NAF 190.00 97.00 50.00 17.00 *US$ Policies US$ 105.00 54.00 27.00 9.00




Additional Benefits

• Payor's Waiver (PW)

The Payor's Waiver Benefit can be included on this policy. This will automatically expire on the policy anniversary date nearest to the Life Insured's 21st birthday or the anniversary date nearest to the Payor's 60th birthday, whichever is sooner. This Benefit is not available if the Payor’s age nearest birthday is greater than 55 at issue.

To determine the term of this Benefit, the issue age of the Life Insured should be subtracted from 21. In the event of a claim under the PW Benefit, premiums are waived until the Life Insured attains age 21. This benefit normally provides for the waiver of the basic premium plus riders in the event of death or disability of the Payor. In situations where there is a Scheduled Savings Premium, if the PW premium is calculated including the savings element, this will also be waived in the event of death or disability. If the Payor's Waiver is included on the contract and ownership is transferred to the Life Insured at age 21 or sooner, the Life Insured can effect Total Disability Waiver of Premium (TDWP) without presenting evidence of insurability. The TDWP premium is calculated based on the Life Insured's age at the time of assuming ownership.

• Automatic Increase at Age 21 (AI@21)

The addition of this rider to the base policy will facilitate an automatic ten-fold increase in the Sum Insured when the Life Insured attains age 21, e.g. $50,000 coverage at outset would automatically increase to $500,000 on the policy anniversary date nearest to the Life Insured's 21st birthday. The AI@21 benefit may be added to an existing contract up until the Life Insured’s 15th birthday subject to evidence of insurability.

• Accidental Death and Dismemberment (AD&D)

This benefit is only available at age 15. In order to attach same, the submission of the “Application for Reinstatement and/or Addition of Benefits” would be necessary.

If this benefit is included in the policy contract along with the AI@21, it will be subject to the same increase as the Basic Sum Insured. The AD&D premium will, however, increase to cover this additional accident risk. The new premium should be calculated on the basis of the premium rate at the age the rider was added to the contract, applied to the increased Sum Insured.

• Add-On

The minimum coverage is $10,000 with the maximum as indicated under the Maximum Sum Assured in the table above.



Commissions Commissions payable on this plan are set out below:-

Year Basic Premium Regular & Casual

Savings Premiums 1st 40% 3 % 2nd 15% 3 %

3rd –10th 5% 3 % 10th + 3% 3 %

Change In Ownership In most cases, on attaining age 21 the PW Benefit expires and the Policyholder will wish to transfer ownership to the Life Insured. Under the laws of most jurisdictions, the most efficient manner of handling a change in ownership is by initiating an Absolute Assignment from the Policyholder to the Life Insured. It is suggested that this procedure be utilised whenever an ownership change is desired. Such a change can be enacted whenever the Life Insured becomes of age (under the laws of the applicable countries) and need not necessarily wait until the 21st birthday. Underwriting Requirements The usual Underwriting Requirements are applicable. However, for Initial Sums Assured of $20,000 and under, the Company will not insist on the usual requirement whereby a parent must have at least the same amount of insurance as the amount being effected on the child. For amounts in excess of $20,000, the normal rules apply. The following miscellaneous items should also be noted:

• Substandard Lives - The percentage extra mortality is factored in at outset, thus there would be no change in premium charges at age 21. In some cases, depending on a specific impairment, the Preferred category may be unavailable.

• Staff Policies – these will be handled in a similar manner to the Life Saver II.

Sagicor Life Inc JUNIOR LIFE SAVERALL TERRITORIES

Standard/ Preferred

Age Yearly Monthly Yearly Monthly Male Female Yearly Monthly Yearly Monthly

0 30.00 2.63 30.00 2.63 0.50 0.051 30.00 2.63 30.00 2.63 0.60 0.062 30.00 2.63 30.00 2.63 0.70 0.073 30.00 2.63 30.00 2.63 0.80 0.074 30.00 2.63 30.00 2.63 0.90 0.08

5 30.00 2.63 30.00 2.63 1.00 0.096 30.00 2.63 30.00 2.63 1.10 0.107 30.00 2.63 30.00 2.63 1.20 0.118 30.00 2.63 30.00 2.63 1.30 0.129 30.00 2.63 30.00 2.63 1.40 0.13

10 30.00 2.63 30.00 2.63 1.50 0.1411 30.00 2.63 30.00 2.63 1.60 0.1412 30.00 2.63 30.00 2.63 1.70 0.1513 30.00 2.63 30.00 2.63 1.80 0.1614 30.00 2.63 30.00 2.63 1.90 0.17

15 30.00 2.63 30.00 2.63 2.58 3.87 2.00 0.18 1.25 0.11

21 2.76 4.14

AccidentalDeath and

Dismemberment(per 1,000)(per 1,000) (per 1,000)

at age 21 Premium Rate Premium Rate Waiver of Premium

TotalDisability

(% of premium)

AutomaticInsurance Increase

(per 1,000 )

Male Basic Female Basic

July 1, 2006 1996 Series Page C.1B.5

Sagicor Life Inc Millennium Saver

July 1, 2006 Page C.1C.1

MILLENNIUM SAVER Description The Millennium Saver Product is a Deferred Annuity plan designed to replace the Pension Saver. It is a universal life type product where the interest and expense elements are unbundled. This gives greater transparency to the client, who will be aware of the various components of the contract. The product is available in two versions – Registered and Unregistered. The Registered Version meets the requirements of the Inland Revenue to be classified as a Registered Retirement Savings Plan (RRSP). In this instance premiums will be tax-deductible up to the limits imposed by the Inland Revenue. Benefits and withdrawals are also subject to Inland Revenue restrictions. The product is flexible and, subject to certain limitations, the Policyholder can modify the premiums to reflect affordability and savings goals. At maturity, the accumulated Fund will be used to purchase a life annuity at prevailing annuity rates but with a minimum of the guaranteed annuity rates stated below. Interest Rates The initial rate of interest as shown in the Data Schedule which forms part of the contract, is fixed and guaranteed for 5 years. This rate is reviewed and fixed quinquennially and the newly determined rate shall be guaranteed for a further 5 years. Where Scheduled Premiums are increased and Unscheduled Premium payments made other than on the quinquennial anniversaries, the interest rate applicable to the increases to the Fund resulting from such increased Scheduled or Unscheduled Premium payments shall not be fixed or guaranteed until the next quinquennial anniversary. Such increases shall therefore attract interest as may be determined from time to time. Issue Ages 15 to 70 years Plan Options The term of the contract will be available to ages 55, 60, 65 and 70 respectively. The premium payment period is for the term of the contract. Registered This product meets the territorial tax requirements, enabling it to be classed as a Registered Retirement Savings Plan (RRSP). As a Registered policy it will be eligible for tax privileges, both to the Policyholder and the Company, through the usual exemption from Investment Income Tax on the Superannuation Fund. This is passed on by means of a higher rate of interest credited to the Fund.



Plan Options (continued) Unregistered The contract may also be issued in an unregistered form. As the approval of the Inland Revenue is not required, it is more flexible than the Registered plan. However, the rate of interest declared will be lower as the Company cannot benefit from the tax exemption on investment income. Unregistered policies are also available as Single Premium contracts. Premiums The Scheduled Premium can be paid annually, semi-annually, quarterly or monthly. Scheduled Premiums may be altered on any policy anniversary date. Unscheduled Premium payments may be made at any time. The minimum premiums are as follows:

Territory Minimum Annual Scheduled Premium

Minimum Unscheduled

Premium Minimum Single

Premium

All Territories $1,000.00 $500.00 $1,000.00 Administration and Premium charges

Territory Initial Administration Charge

Monthly Administration

Charge Premium Charge

Barbados $240.00 $13.33 3% of premium

OECS $324.00 $18.00 3% of premium

Trinidad $530.00 $34.30 3% of premium

Aruba $216.00 $12.00 3% of premium

Belize $240.00 $13.33 3% of premium

Curacao $216.00 $12.00 3% of premium

St. Maarten $216.00 $12.00 3% of premium

*US$ Policies $120.00 $ 6.67 3% of premium




Additional Benefits

• Total Disability Waiver of Premium

This benefit is available on the Scheduled Premium only. In applying for same, evidence of insurability is required. The underwriting requirements should be determined by multiplying the annual Scheduled Premium by the term of the contract and using this amount as the amount at risk.

Partial Withdrawals Partial withdrawals are only allowed on the unregistered version of the plan. Where applicable, partial withdrawals from the Fund shall be allowed after the policy has been in force for one year. Such withdrawals are limited to one per year and may not exceed 10% of the Fund. The minimum withdrawal is $500.00 (local currency). Negative Fund Balances and Grace Period A Grace Period of 31 days is allowed for the payment of any premium other than the first. If the scheduled premium is not paid within the Grace Period the Insurer may deduct from the Accumulated Fund the Monthly Administration charge and the premiums for any Riders attached to the policy and the policy shall remain in force for as long as such charges and premiums may be deducted. If in any month the value of the Accumulated Fund is not sufficient to meet the charges for that month the policy shall lapse. Surrender Where applicable, the policy may be surrendered after it has been in force for one year. The surrender value is the value of the Fund less any indebtedness and a surrender charge of 5% of the Fund. Please note that Registered policies may not be surrendered without the authorisation of Inland Revenue. The surrender charge of 5% shall not be deducted if the policy is surrendered on:

i. its quinquennial anniversary, ii. any subsequent quinquennial anniversary, iii. within a period of 90 days after such anniversaries.



Maturity The Policyholder can select a maturity date on any anniversary after attaining age 50, but not before the fifth (5th) policy anniversary. The date may be changed at any time by completion of the Policy Change form, but such instruction must be given not less than two years prior to the new maturity date desired. At any time, but not less than three months before the policy maturity date, the Policyholder may select any one (1) of the following maturity benefit options: Registered Plans

1. A lump sum payment plus a reduced monthly annuity. The maximum lump sum allowed is 25% of the Accumulated Fund in all territories except Trinidad and Tobago where the full Accumulated Fund, reduced by the required tax deduction may be paid at maturity.

2. An annuity payable during the lifetime of the Policyholder, with no guarantee period.

3. An annuity payable during the lifetime of the Policyholder, but guaranteed to be paid for at least

5 or 10 years. Unregistered Plans 1. A lump sum payment of the Accumulated Fund. 2. An annuity payable during the lifetime of the Policyholder, with no guarantee period.

3. An annuity payable during the lifetime of the Policyholder, but guaranteed to be paid for at least

5, 10 or 15 years. Other life options such as Joint and Last Survivor will be provided by the Actuarial department upon request. Term certain annuities, with no life continuation component are not offered by Sagicor.

If the monthly benefit does not exceed $60.00 (local currency) then the value of the Accumulated Fund shall be paid to the Policyowner in one sum and no further benefit will be payable. Guaranteed Annuity Rates The guaranteed annuity rates per $1,000 of the Accumulated Fund available at the maturity date are:

Age Guarantee Period

Male Female

55 Life Only 5.30 4.82 55 5 years 5.28 4.81 55 10 years 5.22 4.78 55 15 years 5.11 4.73 60 Life Only 5.93 5.32 60 5 years 5.89 5.30 60 10 years 5.77 5.25 60 15 years 5.57 5.15




Male Female

65 Life Only 6.81 6.00 65 5 years 6.72 5.97 65 10 years 6.48 5.86 65 15 years 6.10 5.66 70 Life Only 8.02 6.96 70 5 years 7.83 6.88 70 10 years 7.33 6.64 70 15 years 6.62 6.24

Death Benefit The death benefit is the accumulated Fund at the date of death. Registration In order to facilitate registration of a Registered contract, the Policyholder and the Company must sign an endorsement that is affixed to the policy document. The contract is then sent in duplicate to Inland Revenue. A letter is forwarded to the Policyholder (with a copy to the Agent), indicating that the contract has been forwarded to Inland Revenue for Registration. In situations where an existing registered retirement savings contract is being made paid up, to be replaced by a Millennium Saver contract, the following steps are to be taken:

1. The Application for the new Millennium Saver is submitted along with: a. A Replacement Form C, b. The original retirement savings policy contract, c. A Policy Change form requesting the original policy to be made paid-up, d. An Endorsement form

2. The new Millennium Saver policy is processed and issued. 3. The new policy contract (with duplicate) is forwarded with the existing retirement savings policy

contract and the Replacement Form to Inland Revenue, advising them that the retirement savings policy is being made paid up will be replaced by the Millennium Saver.

4. The client is advised by letter of the notification to Inland Revenue.

5. On receipt of the approval from Inland Revenue, the file is forwarded to the Policy

Administration Department to initiate paid-up procedures for the existing retirement savings policy.



6. If the Inland Revenue does not give approval, the Agent should be advised immediately. The

Company will be receptive to cancelling the new Millennium Saver contract and allowing the Policyholder to continue paying premiums on the existing retirement savings contract. Each situation will be considered on its individual merits.

On approving registration, Inland Revenue will return the original policy document and retain the copy for their files. The policy document can then be forwarded to the policyholder with a copy of the Inland Revenue’s registration approval attached. The original approval letter should be placed in the Policyholder’s file. By approving registration, the Inland Revenue has authorised the Policyholder to claim the premiums paid (up to the current maximum) as a deduction from taxable revenue. It should be noted that the terms and conditions of Registered policies differ from those of Unregistered policies. Surrenders, loans, assignments and withdrawals are not allowed without the express permission of Inland Revenue. There are also limitations on the form of benefit allowed at maturity. Staff Contracts Agents involved in assisting administrative staff to purchase Millennium Saver contracts will earn 50% of the normal commissions. Premium charges on the policy will be 50% of the normal charges. The fact that it is a staff policy should be indicated by checking the appropriate payment box on the application form. In addition the New Business staff should double-check the Employer section of the application in determining whether the applicant is entitled to a staff discount. Commissions Commissions payable on this plan are as follows:

i. 2% of any premium deposit made (whether Scheduled or Unscheduled) in all years; ii. 0.02% of the accumulated Fund at the end of each policy year.

Please note that Single Premiums also attract a 2% commission.

Sagicor Life Inc MILLENIUM SAVER Standard/Preferred

To Age 55 To Age 60 To Age 65 To Age 70AGE Male Female Male Female Male Female Male Female

15 1.32 1.98 2.41 3.61 2.58 3.87 2.58 3.8716 1.40 2.10 2.39 3.58 2.65 3.98 2.65 3.9817 1.51 2.27 2.35 3.53 2.62 3.92 2.63 3.9518 1.58 2.37 2.22 3.33 2.67 4.00 2.69 4.0319 1.64 2.46 2.17 3.26 2.71 4.07 2.73 4.10

20 1.74 2.61 2.12 3.18 2.74 4.11 2.74 4.1121 1.76 2.63 2.15 3.22 2.76 4.14 2.76 4.1422 1.70 2.55 2.16 3.25 2.68 4.03 2.71 4.0723 1.70 2.55 2.09 3.14 2.69 4.03 2.72 4.0724 1.70 2.55 2.10 3.15 2.68 4.02 2.72 4.07

25 1.69 2.54 2.10 3.14 2.67 4.00 2.68 4.0326 1.68 2.52 2.09 3.13 2.65 3.97 2.69 4.0327 1.61 2.42 2.07 3.11 2.55 3.83 2.63 3.9528 1.60 2.40 1.99 2.98 2.52 3.78 2.61 3.9129 1.58 2.36 1.97 2.95 2.49 3.73 2.59 3.89

30 1.55 2.33 1.94 2.91 2.45 3.68 2.56 3.8431 1.48 2.22 1.91 2.87 2.48 3.72 2.59 3.8832 1.46 2.19 1.83 2.74 2.49 3.74 2.61 3.9133 1.43 2.14 1.80 2.70 2.45 3.67 2.56 3.8434 1.40 2.09 1.76 2.64 2.45 3.67 2.57 3.85

35 1.40 2.10 1.72 2.58 2.49 3.74 2.59 3.8936 1.39 2.09 1.72 2.59 2.53 3.79 2.65 3.9737 1.42 2.13 1.72 2.58 2.55 3.83 2.68 4.0238 1.40 2.11 1.75 2.63 2.61 3.92 2.75 4.1239 1.41 2.11 1.73 2.60 2.61 3.92 2.77 4.15

40 1.41 2.11 1.74 2.60 2.64 3.97 2.82 4.2341 1.43 2.14 1.73 2.60 2.66 3.99 2.86 4.2942 1.44 2.16 1.76 2.64 2.71 4.06 2.90 4.3643 1.43 2.15 1.77 2.66 2.74 4.11 2.96 4.4444 1.43 2.14 1.77 2.65 2.78 4.17 3.02 4.52

45 1.43 2.14 1.76 2.64 2.87 4.30 3.10 4.6546 1.42 2.13 1.76 2.64 2.96 4.44 3.20 4.8047 1.43 2.14 1.75 2.62 3.09 4.63 3.32 4.9848 1.44 2.16 1.76 2.64 3.24 4.85 3.48 5.2149 1.47 2.20 1.78 2.67 3.38 5.07 3.63 5.45

50 1.69 2.54 1.81 2.72 3.47 5.20 3.76 5.6451 1.93 2.89 2.09 3.13 3.54 5.31 3.86 5.7952 2.24 3.36 2.38 3.57 3.67 5.50 4.00 6.0053 2.64 3.95 2.76 4.14 3.88 5.82 4.23 6.3554 3.18 4.77 3.25 4.88 4.21 6.32 4.59 6.8855 3.92 5.88 4.57 6.85 4.97 7.46

Total Disability Waiver of Premium (% of covered premium)

July 1, 2006 1996 - 1997 Series Page C.1C.7

Sagicor Life Inc Registered Retirement Savings Plan

July 1, 2006 Page C.1D.1

REGISTERED RETIREMENT SAVINGS PLAN (BARBADOS ONLY)

Description The Registered Retirement Savings Plan (RRSP) is a Deferred Annuity plan introduced by the Barbados Government in 1998 to encourage saving for retirement. It is a universal life type product where the interest and expense elements are unbundled. This gives greater transparency to the client, who will be aware of the various components of the contract. Premiums are tax-deductible up to the limits imposed by Inland Revenue. Benefits and withdrawals are also subject to Inland Revenue restrictions. As a Registered policy it will be eligible for tax privileges, both to the Policyholder and the Company, through the usual exemption from Investment Income Tax on the Superannuation Fund. This is passed on by means of a higher rate of interest credited to the Fund. The product is flexible and, subject to certain limitations, the Policyholder can modify the premiums to reflect affordability and savings goals. At maturity, the accumulated Fund will be used to purchase a life annuity at prevailing annuity rates but with a minimum of the guaranteed annuity rates stated below. Interest Rates The initial rate of interest as shown in the Data Schedule is fixed and guaranteed for 5 years. This rate is reviewed and fixed quinquennially and the newly determined rate shall be guaranteed for a further 5 years. Where Scheduled Premiums are increased and Unscheduled Premium payments made other than on the quinquennial anniversaries, the interest rate applicable to the increases to the Fund resulting from such increased Scheduled or Unscheduled Premium payments shall not be fixed or guaranteed until the next quinquennial anniversary. Such increases shall therefore attract interest as may be determined from time to time. Issue Ages 15 to 65 years Plan Options The term of the contract will be available to ages 55, 60, 65 and 70 respectively. The premium payment period is for the term of the contract.



Plan Options (continued) Premiums The Scheduled Premium can be paid annually, semi-annually, quarterly or monthly. Scheduled Premiums may be altered on any policy anniversary date. Unscheduled Premium payments may be made at any time. The minimum premiums are as follows:

Territory Minimum Annual Scheduled Premium

Minimum Unscheduled

Premium Barbados $1,000.00 $500.00

Administration and Premium charges

Territory Initial Administration Charge

Monthly Administration

Charge Premium Charge

Barbados $240.00 $13.33 3% of premium Additional Benefits

• Total Disability Waiver of Premium

This benefit is available on the Scheduled Premium only. In applying for same, evidence of insurability is required. The underwriting requirements should be determined by multiplying the annual Scheduled Premium by the term of the contract and using this amount as the amount at risk.

Withdrawals The Policyholder is allowed to withdraw 10% of the purchase price of a first home up to a maximum withdrawal amount of $25,000 (local currency) from the RRSP tax-free. Further withdrawals may be made at or after 55 years of age, the first 25% of which is tax-free while the remainder is taxed at the Policyholder’s marginal rate. Negative Fund Balances and Grace Period A Grace Period of 31 days is allowed for the payment of any premium other than the first. If the scheduled premium is not paid within the Grace Period the Insurer may deduct from the Accumulated Fund the Monthly Administration charge and the premiums for any Riders attached to the policy and the policy shall remain in force for as long as such charges and premiums may be deducted. If in any month the value of the Accumulated Fund is not sufficient to meet the charges for that month the policy shall lapse.



Surrender Where applicable, the policy may be surrendered after it has been in force for one year. The surrender value is the value of the Fund less any indebtedness and a surrender charge of 5% of the Fund. Please note that Registered policies may not be surrendered without the authorisation of Inland Revenue. The surrender charge of 5% shall not be deducted if the policy is surrendered on:

i. its quinquennial anniversary, ii. any subsequent quinquennial anniversary, iii. within a period of 90 days after such anniversaries.

Maturity The Policyholder can select a maturity date on any anniversary after attaining age 50, but not before the fifth (5th) policy anniversary. The date may be changed at any time by completion of the Policy Change form, but such instruction must be given not less than two years prior to the new maturity date desired. At any time, but not less than three months before the policy maturity date, the Policyholder may select any one (1) of the following maturity benefit options:

1. A lump sum payment plus a reduced monthly annuity. The maximum lump sum allowed is 25% of the Accumulated Fund.

2. An annuity payable during the lifetime of the Policyholder, with no guarantee period. 3. An annuity payable during the lifetime of the Policyholder, but guaranteed to be paid for at least

5 or 10 years. Other life options such as Joint and Last Survivor will be provided by the Actuarial department upon request. Term certain annuities, with no life continuation component are not offered by Sagicor. If the monthly benefit does not exceed $60.00 (local currency) then the value of the Accumulated Fund shall be paid to the Policyowner in one sum and no further benefit will be payable.



Guaranteed Annuity Rates The guaranteed annuity rates per $1,000 of the Accumulated Fund available at the maturity date are:


Male Female

55 Life Only 5.30 4.82 55 5 years 5.28 4.81 55 10 years 5.22 4.78 60 Life Only 5.93 5.32 60 5 years 5.89 5.30 60 10 years 5.77 5.25 65 Life Only 6.81 6.00 65 5 years 6.72 5.97 65 10 years 6.48 5.86 70 Life Only 8.02 6.96 70 5 years 7.83 6.88 70 10 years 7.33 6.64

Death Benefit The death benefit is the accumulated Fund at the date of death. Registration In order to facilitate registration of a Registered contract, the Policyholder and the Company must sign an endorsement that is affixed to the policy document. The contract is then sent in duplicate to Inland Revenue. A letter is forwarded to the Policyholder (with a copy to the Agent), indicating that the contract has been forwarded to Inland Revenue for Registration. Staff Contracts Agents involved in assisting administrative staff to purchase Registered Retirement Savings Plan contracts will earn 50% of the normal commissions. Premium charges on the policy will be 50% of the normal charges. The fact that it is a staff policy should be indicated by checking the appropriate payment box on the application form. In addition the New Business staff should double-check the Employer section of the application in determining whether the applicant is entitled to a staff discount. Commissions Commissions payable on this plan are as follows:

i. 2% of any premium deposit made (whether Scheduled or Unscheduled) in all years; ii. 0.02% of the accumulated Fund at the end of each policy year.

Sagicor Life Inc

REGISTERED RETIREMENT SAVINGS PLANStandard/Preferred

To Age 55 To Age 60 To Age 65 To Age 70AGE Male Female Male Female Male Female Male Female

15 1.32 1.98 2.41 3.61 2.58 3.87 2.58 3.8716 1.40 2.10 2.39 3.58 2.65 3.98 2.65 3.9817 1.51 2.27 2.35 3.53 2.62 3.92 2.63 3.9518 1.58 2.37 2.22 3.33 2.67 4.00 2.69 4.0319 1.64 2.46 2.17 3.26 2.71 4.07 2.73 4.10

20 1.74 2.61 2.12 3.18 2.74 4.11 2.74 4.1121 1.76 2.63 2.15 3.22 2.76 4.14 2.76 4.1422 1.70 2.55 2.16 3.25 2.68 4.03 2.71 4.0723 1.70 2.55 2.09 3.14 2.69 4.03 2.72 4.0724 1.70 2.55 2.10 3.15 2.68 4.02 2.72 4.07

25 1.69 2.54 2.10 3.14 2.67 4.00 2.68 4.0326 1.68 2.52 2.09 3.13 2.65 3.97 2.69 4.0327 1.61 2.42 2.07 3.11 2.55 3.83 2.63 3.9528 1.60 2.40 1.99 2.98 2.52 3.78 2.61 3.9129 1.58 2.36 1.97 2.95 2.49 3.73 2.59 3.89

30 1.55 2.33 1.94 2.91 2.45 3.68 2.56 3.8431 1.48 2.22 1.91 2.87 2.48 3.72 2.59 3.8832 1.46 2.19 1.83 2.74 2.49 3.74 2.61 3.9133 1.43 2.14 1.80 2.70 2.45 3.67 2.56 3.8434 1.40 2.09 1.76 2.64 2.45 3.67 2.57 3.85

35 1.40 2.10 1.72 2.58 2.49 3.74 2.59 3.8936 1.39 2.09 1.72 2.59 2.53 3.79 2.65 3.9737 1.42 2.13 1.72 2.58 2.55 3.83 2.68 4.0238 1.40 2.11 1.75 2.63 2.61 3.92 2.75 4.1239 1.41 2.11 1.73 2.60 2.61 3.92 2.77 4.15

40 1.41 2.11 1.74 2.60 2.64 3.97 2.82 4.2341 1.43 2.14 1.73 2.60 2.66 3.99 2.86 4.2942 1.44 2.16 1.76 2.64 2.71 4.06 2.90 4.3643 1.43 2.15 1.77 2.66 2.74 4.11 2.96 4.4444 1.43 2.14 1.77 2.65 2.78 4.17 3.02 4.52

45 1.43 2.14 1.76 2.64 2.87 4.30 3.10 4.6546 1.42 2.13 1.76 2.64 2.96 4.44 3.20 4.8047 1.43 2.14 1.75 2.62 3.09 4.63 3.32 4.9848 1.44 2.16 1.76 2.64 3.24 4.85 3.48 5.2149 1.47 2.20 1.78 2.67 3.38 5.07 3.63 5.45

50 1.69 2.54 1.81 2.72 3.47 5.20 3.76 5.6451 1.93 2.89 2.09 3.13 3.54 5.31 3.86 5.7952 2.24 3.36 2.38 3.57 3.67 5.50 4.00 6.0053 2.64 3.95 2.76 4.14 3.88 5.82 4.23 6.3554 3.18 4.77 3.25 4.88 4.21 6.32 4.59 6.8855 3.92 5.88 4.57 6.85 4.97 7.46

Total Disability Waiver of Premium (% of covered premium)

July 1, 2006 1996 - 1997 Series Page C.1D.5

TRADITIONAL LIFE

Sagicor Life Inc Whole Life

July 1, 2006 Page C.2A.1

WHOLE LIFE Plan Features Whole Life is a non-participating life insurance product with guaranteed cash values. The Sum Assured is level over the term of the policy and is paid on death. Term The term of the policy is for the whole of life i.e. the remaining lifetime of the Insured. Face Amount Bands

Territory Band 1

(in local $)

Band 2 (in local $)

Band 3 (in local $)

Barbados $25,000 to $99,999 $100,000 to $249,999 $250,000+OECS and Other $25,000 to $99,999 $100,000 to $249,999 $250,000+*US$ Policies $25,000 to $99,999 $100,000 to $249,999 $250,000+Trinidad $100,000 to $199,999 $200,000 to $499,999 $500,000+

Policy Fees (in local $):

Barbados $120.00 yearly OECS and Other Trinidad

$160.00 yearly $200.00 yearly

*US$ Policies $160.00 yearly *(Curacao, Aruba, St.Maarten, Trinidad, Anguilla and International only)

Issue Ages Ages 0 to 80 for preferred cases. Ages 20 to 80 for standard cases. Cash Values On surrender, the policyholder is entitled to a cash value calculated according to the schedule of guaranteed cash values contained in the contract.

Sagicor Life Inc Whole Life


Available Additional Benefits

• Accidental Death and Dismemberment • Total Disability Waiver of Premium • Payor Waiver • Guaranteed Insurability


• Life Protector II • 5 Year Renewable and Convertible Term, 10 Year Renewable and Convertible Term, 20 Year

Term, Term to 65, and Term to 80. Commissions Commissions will be paid as earned. The following table sets out the current commissions payable for each policy year.

Year Commission Rate

1 60% 2 25%

Thereafter 3.5% Reinsurance Limits The Retention of Sagicor Life for each Life Insured is the maximum amount of risk which the company can retain on its own account. All amounts in excess of this limit are ceded to the Reinsurance Company. Generally, the amount of cover which the Reinsurance Company will automatically accept is capped at ten (10) times the Retention of Sagicor. This automatic cover varies by Reinsurance Treaty and by Territory. The limits under the current treaties are set out below. Advisors should check with the Reinsurance and Underwriting departments before quoting on high volume cases.

Reinsurance Limits for Whole Life (Sagicor Life) Issue Age / Automatic Cover

Currency Up to 55 56 – 65 65 & Over BDS$ & EC$ $3,000,000 $3,000,000 $1,500,000

TT$ $4,000,000 $3,500,000 $2,000,000 US$ $1,000,000 $850,000 $500,000

Sagicor Life IncWHOLE LIFE

ANNUAL PREMIUM RATES PER $1,000 OF SUM ASSURED

Preferred/Standard

SAGICOR BARBADOSUSING VARYING EXPENSES BY BAND AND AGE

$120BD Policy FeeMale Preferred Male Standard Female Preferred Female Standard

Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Age Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic

0 6.77 3.59 2.70 6.60 3.42 2.531 6.76 3.58 2.69 6.57 3.39 2.512 6.80 3.62 2.73 6.60 3.43 2.543 6.86 3.68 2.80 6.65 3.47 2.594 6.95 3.77 2.88 6.72 3.55 2.665 7.05 3.87 2.98 6.80 3.62 2.746 7.16 3.98 3.10 6.89 3.71 2.827 7.29 4.11 3.22 6.97 3.80 2.918 7.42 4.23 3.35 7.06 3.88 3.009 7.56 4.38 3.49 7.16 3.99 3.1010 7.71 4.53 3.64 7.26 4.09 3.2011 7.87 4.68 3.80 7.37 4.19 3.3012 8.03 4.85 3.96 7.48 4.30 3.4213 8.20 5.02 4.13 7.59 4.41 3.5314 8.38 5.19 4.30 7.71 4.53 3.6415 8.55 5.37 4.48 7.83 4.65 3.7616 8.71 5.52 4.63 7.92 4.74 3.8617 8.86 5.67 4.78 8.05 4.87 3.9818 9.01 5.82 4.93 8.19 5.01 4.1219 9.14 5.96 5.07 8.34 5.16 4.2720 9.27 6.09 5.20 10.47 7.28 6.40 8.49 5.31 4.43 9.43 6.25 5.3621 9.53 6.27 5.36 10.81 7.54 6.63 8.78 5.53 4.62 9.78 6.53 5.6122 9.81 6.47 5.53 11.17 7.83 6.89 9.09 5.75 4.82 10.16 6.83 5.8923 10.10 6.68 5.72 11.54 8.12 7.16 9.40 5.99 5.03 10.54 7.13 6.1724 10.42 6.92 5.93 11.96 8.46 7.47 9.73 6.24 5.26 10.95 7.46 6.4725 10.75 7.18 6.17 12.41 8.82 7.81 10.08 6.51 5.50 11.39 7.82 6.8126 11.09 7.44 6.40 12.86 9.20 8.16 10.42 6.78 5.74 11.83 8.18 7.1427 11.45 7.72 6.66 13.36 9.62 8.55 10.78 7.06 6.00 12.30 8.57 7.5128 11.82 8.01 6.93 13.87 10.05 8.96 11.15 7.35 6.26 12.78 8.97 7.8829 12.22 8.33 7.22 14.41 10.50 9.38 11.54 7.66 6.55 13.28 9.38 8.2730 12.62 8.65 7.52 14.96 10.98 9.83 11.93 7.97 6.84 13.79 9.81 8.6831 13.03 8.98 7.82 15.54 11.47 10.30 12.32 8.28 7.12 14.30 10.25 9.0932 13.46 9.33 8.14 16.15 12.00 10.80 12.74 8.62 7.43 14.86 10.73 9.5433 13.90 9.69 8.48 16.77 12.54 11.31 13.17 8.97 7.76 15.42 11.20 9.9934 14.35 10.06 8.82 17.43 13.11 11.86 13.60 9.32 8.09 16.02 11.71 10.4735 14.83 10.46 9.19 18.13 13.72 12.44 14.06 9.70 8.44 16.63 12.24 10.9736 15.33 10.88 9.59 18.88 14.38 13.08 14.53 10.09 8.81 17.28 12.81 11.5137 15.85 11.31 10.00 19.65 15.07 13.74 15.02 10.49 9.18 17.93 13.37 12.0538 16.40 11.78 10.44 20.50 15.83 14.46 15.52 10.91 9.58 18.62 13.98 12.6339 16.98 12.28 10.91 21.39 16.63 15.24 16.03 11.35 9.98 19.34 14.61 13.23

July 1, 2006 2005 Series Page C.2A.3



Preferred/Standard



Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Age Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic40 17.59 12.80 11.41 22.35 17.49 16.07 16.57 11.80 10.41 20.07 15.25 13.8541 18.22 13.34 11.92 23.37 18.41 16.96 17.11 12.26 10.84 20.84 15.93 14.5042 18.89 13.93 12.48 24.46 19.41 17.92 17.68 12.75 11.30 21.65 16.65 15.1943 19.60 14.55 13.07 25.59 20.43 18.92 18.28 13.26 11.79 22.45 17.37 15.8844 20.34 15.20 13.69 26.82 21.56 20.01 18.90 13.80 12.30 23.32 18.14 16.6245 21.11 15.88 14.34 28.12 22.75 21.17 19.54 14.35 12.83 24.23 18.96 17.4146 21.92 16.60 15.03 29.49 24.00 22.39 20.21 14.93 13.38 25.17 19.80 18.2247 22.78 17.37 15.78 30.91 25.32 23.67 20.92 15.56 13.98 26.14 20.67 19.0648 23.69 18.18 16.56 32.47 26.75 25.06 21.67 16.22 14.61 27.19 21.62 19.9849 24.66 19.05 17.39 34.07 28.24 26.51 22.47 16.92 15.28 28.26 22.59 20.9150 25.68 19.97 18.29 35.79 29.83 28.06 23.30 17.66 16.00 29.39 23.62 21.9151 26.72 20.91 19.19 37.56 31.47 29.66 24.15 18.42 16.72 30.55 24.67 22.9352 27.85 21.93 20.18 39.44 33.21 31.36 25.06 19.22 17.50 31.76 25.77 23.9953 29.03 23.01 21.22 41.43 35.06 33.17 26.01 20.08 18.32 33.06 26.96 25.1454 30.32 24.18 22.36 43.54 37.02 35.08 27.06 21.02 19.23 34.42 28.20 26.3555 31.68 25.42 23.56 45.75 39.09 37.10 28.14 22.00 20.18 35.86 29.52 27.6356 33.12 26.74 24.85 48.13 41.31 39.27 29.30 23.05 21.19 37.41 30.95 29.0257 34.68 28.18 26.24 50.59 43.61 41.52 30.56 24.19 22.30 39.01 32.42 30.4558 36.33 29.70 27.72 53.21 46.05 43.90 31.87 25.39 23.46 40.72 33.99 31.9859 38.08 31.31 29.29 55.92 48.58 46.38 33.28 26.68 24.71 42.50 35.63 33.5860 39.97 33.05 30.99 58.79 51.27 49.01 34.79 28.06 26.05 44.39 37.38 35.2861 41.95 34.89 32.77 61.75 54.03 51.71 36.37 29.51 27.46 46.35 39.19 37.0462 44.10 36.88 34.71 64.90 56.97 54.59 38.10 31.10 29.00 48.45 41.13 38.9463 46.41 39.03 36.81 68.21 60.07 57.62 39.97 32.83 30.68 50.70 43.21 40.9764 48.89 41.33 39.06 71.71 63.35 60.83 41.98 34.68 32.49 53.10 45.44 43.1465 51.58 43.84 41.51 75.41 66.81 64.22 44.16 36.71 34.47 55.68 47.84 45.4866 54.31 46.47 44.12 79.12 70.38 67.75 46.38 38.85 36.59 58.26 50.33 47.9567 57.26 49.32 46.93 83.05 74.17 71.49 48.79 41.18 38.89 61.04 53.02 50.6068 60.41 52.36 49.93 87.17 78.15 75.42 51.38 43.67 41.36 63.99 55.86 53.4169 63.80 55.62 53.16 91.54 82.36 79.58 54.18 46.38 44.03 67.16 58.92 56.4470 67.50 59.19 56.68 96.18 86.82 84.00 57.26 49.34 46.96 70.56 62.19 59.6771 71.49 63.03 60.48 101.15 91.62 88.74 60.60 52.56 50.14 74.23 65.73 63.1772 75.79 67.17 64.57 106.41 96.68 93.74 64.24 56.07 53.61 78.19 69.54 66.9373 80.45 71.66 69.01 112.00 102.07 99.07 68.23 59.92 57.41 82.48 73.68 71.0274 85.43 76.46 73.75 117.89 107.75 104.68 72.55 64.08 61.53 87.10 78.14 75.4375 90.78 81.62 78.85 124.07 113.71 110.56 77.25 68.61 66.00 92.07 82.92 80.1676 96.50 87.13 84.29 130.55 119.95 116.74 82.35 73.52 70.86 97.39 88.05 85.2377 102.61 93.01 90.11 137.34 126.49 123.20 87.88 78.85 76.12 103.10 93.55 90.6778 109.17 99.33 96.35 144.47 133.36 129.99 93.92 84.67 81.87 109.26 99.49 96.5379 116.16 106.06 103.00 151.93 140.55 137.09 100.46 90.96 88.09 115.90 105.87 102.8380 123.68 113.30 110.15 159.77 148.09 144.55 107.64 97.88 94.92 123.07 112.78 109.66




Preferred/Standard

Age0123456789101112131415161718192021222324252627282930313233343536373839

SAGICOR TRINIDADUSING VARYING EXPENSES BY BAND AND AGE

$200TT Policy FeeMale Preferred Male Standard Female Preferred Female Standard

Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic

7.55 4.09 2.88 7.38 3.92 2.727.54 4.07 2.87 7.36 3.90 2.707.58 4.11 2.91 7.39 3.93 2.737.64 4.17 2.97 7.44 3.97 2.777.72 4.26 3.06 7.51 4.04 2.847.82 4.35 3.15 7.58 4.12 2.927.93 4.46 3.26 7.66 4.20 3.008.05 4.58 3.38 7.75 4.28 3.088.17 4.70 3.50 7.83 4.37 3.178.31 4.84 3.64 7.93 4.47 3.268.45 4.98 3.78 8.03 4.56 3.368.61 5.14 3.93 8.13 4.66 3.468.77 5.30 4.09 8.23 4.77 3.578.93 5.46 4.25 8.34 4.88 3.679.10 5.62 4.42 8.45 4.99 3.789.26 5.79 4.59 8.57 5.10 3.909.41 5.94 4.73 8.66 5.19 3.999.56 6.09 4.88 8.78 5.31 4.119.70 6.23 5.02 8.91 5.45 4.259.83 6.36 5.16 9.06 5.59 4.399.96 6.49 5.28 11.11 7.64 6.43 9.20 5.74 4.54 10.11 6.64 5.44

10.20 6.67 5.42 11.43 7.89 6.64 9.48 5.95 4.70 10.44 6.91 5.6610.47 6.86 5.56 11.77 8.17 6.86 9.77 6.17 4.88 10.80 7.20 5.9110.74 7.07 5.73 12.13 8.46 7.11 10.06 6.40 5.06 11.16 7.50 6.1511.04 7.30 5.91 12.52 8.78 7.38 10.37 6.65 5.26 11.55 7.82 6.4311.36 7.56 6.12 12.95 9.14 7.69 10.70 6.91 5.48 11.96 8.17 6.7311.68 7.81 6.33 13.38 9.50 8.01 11.03 7.17 5.69 12.38 8.52 7.0312.02 8.09 6.55 13.85 9.91 8.37 11.37 7.45 5.92 12.83 8.90 7.3712.37 8.37 6.79 14.34 10.33 8.74 11.72 7.73 6.15 13.29 9.29 7.7112.74 8.68 7.05 14.85 10.77 9.13 12.09 8.03 6.41 13.76 9.69 8.0613.13 9.00 7.32 15.38 11.23 9.54 12.46 8.34 6.67 14.25 10.11 8.4313.51 9.32 7.59 15.93 11.71 9.97 12.83 8.64 6.92 14.74 10.53 8.8113.92 9.65 7.88 16.51 12.22 10.43 13.22 8.97 7.20 15.27 11.00 9.2214.34 10.00 8.18 17.11 12.74 10.90 13.63 9.31 7.50 15.80 11.46 9.6314.77 10.37 8.50 17.74 13.30 11.41 14.05 9.66 7.79 16.37 11.96 10.0815.22 10.75 8.83 18.40 13.89 11.95 14.48 10.02 8.11 16.95 12.47 10.5415.70 11.16 9.19 19.11 14.53 12.54 14.93 10.41 8.45 17.57 13.01 11.0416.19 11.59 9.57 19.86 15.20 13.15 15.39 10.80 8.79 18.19 13.56 11.5416.72 12.04 9.97 20.67 15.93 13.83 15.87 11.20 9.15 18.86 14.16 12.0817.27 12.52 10.40 21.52 16.71 14.55 16.36 11.63 9.52 19.54 14.76 12.63




Preferred/Standard

Age4041424344454647484950515253545556575859606162636465666768697071727374757677787980



Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic17.85 13.03 10.86 22.43 17.54 15.33 16.87 12.07 9.91 20.24 15.39 13.2018.45 13.56 11.34 23.41 18.43 16.16 17.38 12.51 10.31 20.97 16.04 13.8119.09 14.12 11.85 24.46 19.39 17.07 17.93 12.98 10.73 21.74 16.74 14.4519.77 14.73 12.40 25.54 20.39 18.00 18.50 13.48 11.18 22.52 17.43 15.0920.47 15.36 12.98 26.71 21.47 19.02 19.09 14.01 11.65 23.34 18.18 15.7821.21 16.01 13.58 27.96 22.62 20.11 19.70 14.54 12.13 24.21 18.97 16.5221.98 16.71 14.22 29.27 23.83 21.26 20.34 15.11 12.65 25.11 19.79 17.2822.81 17.46 14.91 30.63 25.10 22.46 21.02 15.71 13.20 26.03 20.63 18.0623.68 18.24 15.64 32.12 26.49 23.78 21.74 16.35 13.78 27.04 21.55 18.9224.60 19.08 16.43 33.66 27.92 25.14 22.50 17.03 14.41 28.06 22.48 19.7925.58 19.97 17.26 35.31 29.45 26.60 23.29 17.75 15.07 29.15 23.48 20.7326.58 20.88 18.11 37.00 31.03 28.11 24.11 18.48 15.75 30.26 24.49 21.6827.66 21.87 19.03 38.80 32.71 29.71 24.97 19.26 16.47 31.42 25.56 22.6828.79 22.91 20.01 40.71 34.50 31.41 25.88 20.09 17.24 32.66 26.70 23.7630.02 24.04 21.07 42.72 36.39 33.22 26.88 21.00 18.08 33.96 27.90 24.8931.32 25.24 22.20 44.84 38.37 35.12 27.92 21.95 18.97 35.34 29.17 26.0932.70 26.52 23.41 47.12 40.51 37.17 29.03 22.96 19.92 36.83 30.55 27.4034.20 27.90 24.72 49.48 42.73 39.28 30.23 24.06 20.96 38.36 31.97 28.7435.77 29.36 26.11 51.98 45.07 41.53 31.49 25.23 22.05 39.99 33.49 30.1837.45 30.93 27.59 54.58 47.51 43.87 32.84 26.47 23.22 41.69 35.07 31.6839.26 32.60 29.18 57.32 50.09 46.34 34.28 27.80 24.48 43.50 36.76 33.2841.02 34.31 30.86 60.01 52.69 48.89 35.67 29.15 25.81 45.25 38.44 34.9442.95 36.18 32.69 62.87 55.46 51.61 37.20 30.63 27.26 47.12 40.26 36.7345.03 38.19 34.67 65.87 58.37 54.46 38.86 32.24 28.84 49.13 42.21 38.6447.26 40.36 36.79 69.06 61.45 57.48 40.65 33.97 30.54 51.29 44.30 40.6949.69 42.71 39.10 72.43 64.71 60.68 42.60 35.87 32.40 53.61 46.54 42.8952.30 45.23 41.58 75.95 68.13 64.03 44.73 37.93 34.42 56.08 48.93 45.2355.11 47.96 44.25 79.70 71.75 67.58 47.03 40.15 36.61 58.73 51.50 47.7658.12 50.87 47.10 83.62 75.54 71.31 49.50 42.55 38.96 61.54 54.23 50.4361.36 54.00 50.17 87.78 79.57 75.25 52.18 45.14 41.50 64.57 57.16 53.3064.88 57.41 53.52 92.19 83.83 79.43 55.11 47.98 44.29 67.81 60.29 56.3768.68 61.09 57.13 96.92 88.41 83.92 58.30 51.07 47.31 71.31 63.68 59.6972.78 65.05 61.01 101.92 93.24 88.66 61.77 54.43 50.61 75.07 67.32 63.2777.22 69.35 65.22 107.22 98.37 93.70 65.58 58.11 54.22 79.16 71.28 67.1581.96 73.93 69.72 112.81 103.78 99.00 69.70 62.10 58.13 83.57 75.54 71.3387.05 78.86 74.55 118.68 109.45 104.57 74.18 66.43 62.38 88.29 80.11 75.8192.49 84.12 79.71 124.82 115.40 110.40 79.04 71.13 66.98 93.35 85.01 80.6198.30 89.73 85.21 131.25 121.62 116.50 84.30 76.22 71.97 98.78 90.26 85.76

104.54 95.76 91.12 138.00 128.14 122.89 90.05 81.77 77.42 104.64 95.91 91.31111.17 102.17 97.41 145.06 134.97 129.59 96.26 87.78 83.31 110.93 102.00 97.27118.30 109.06 104.17 152.47 142.13 136.61 103.09 94.37 89.78 117.74 108.57 103.72




Preferred/Standard

Age0123456789101112131415161718192021222324252627282930313233343536373839

SAGICOR EC & OTHER, PLUS CAPITAL LIFEUSING VARYING EXPENSES BY BAND AND AGE

$160 Local Currency Policy FeeMale Preferred Male Standard Female Preferred Female Standard


7.94 3.95 2.99 7.76 3.77 2.827.92 3.93 2.98 7.74 3.75 2.797.96 3.98 3.02 7.77 3.78 2.838.03 4.04 3.08 7.82 3.83 2.878.11 4.12 3.17 7.89 3.90 2.958.21 4.22 3.27 7.97 3.98 3.028.33 4.34 3.38 8.05 4.07 3.118.45 4.46 3.51 8.14 4.15 3.208.58 4.59 3.63 8.23 4.24 3.288.73 4.74 3.78 8.33 4.34 3.398.87 4.88 3.93 8.43 4.44 3.499.03 5.04 4.08 8.53 4.55 3.599.20 5.21 4.25 8.65 4.66 3.709.37 5.37 4.42 8.76 4.77 3.819.54 5.55 4.59 8.87 4.88 3.939.72 5.72 4.76 8.99 5.01 4.059.87 5.88 4.92 9.09 5.10 4.15

10.03 6.03 5.07 9.21 5.23 4.2710.17 6.18 5.22 9.35 5.37 4.4110.31 6.31 5.36 9.50 5.52 4.5610.44 6.45 5.49 11.64 7.64 6.68 9.65 5.67 4.71 10.59 6.61 5.6510.73 6.64 5.66 12.01 7.91 6.93 9.98 5.89 4.91 10.98 6.89 5.9111.04 6.85 5.84 12.40 8.20 7.20 10.31 6.13 5.12 11.38 7.20 6.2011.36 7.07 6.04 12.80 8.51 7.48 10.65 6.38 5.35 11.80 7.52 6.4811.70 7.32 6.26 13.24 8.85 7.79 11.01 6.64 5.58 12.23 7.85 6.8012.07 7.59 6.50 13.72 9.23 8.15 11.39 6.92 5.83 12.70 8.22 7.1412.44 7.86 6.75 14.21 9.62 8.51 11.76 7.19 6.08 13.17 8.59 7.4812.83 8.15 7.01 14.73 10.05 8.90 12.16 7.49 6.35 13.67 9.00 7.8613.23 8.45 7.29 15.28 10.49 9.32 12.55 7.79 6.63 14.19 9.41 8.2513.65 8.78 7.59 15.84 10.95 9.76 12.97 8.10 6.92 14.71 9.83 8.6414.09 9.11 7.90 16.43 11.44 10.22 13.39 8.43 7.22 15.25 10.27 9.0614.52 9.45 8.21 17.04 11.94 10.69 13.81 8.75 7.51 15.80 10.72 9.4814.98 9.81 8.54 17.68 12.48 11.21 14.26 9.10 7.83 16.39 11.21 9.9415.45 10.18 8.89 18.34 13.03 11.73 14.72 9.46 8.17 16.98 11.70 10.4015.93 10.56 9.24 19.03 13.62 12.29 15.18 9.82 8.51 17.60 12.22 10.8916.44 10.97 9.62 19.76 14.24 12.88 15.67 10.21 8.87 18.25 12.76 11.4016.98 11.40 10.03 20.54 14.91 13.52 16.17 10.61 9.25 18.93 13.33 11.9517.53 11.85 10.45 21.35 15.61 14.19 16.69 11.03 9.63 19.61 13.91 12.5018.11 12.33 10.90 22.23 16.38 14.93 17.22 11.46 10.03 20.34 14.53 13.1018.72 12.83 11.38 23.16 17.19 15.71 17.77 11.90 10.45 21.09 15.17 13.70




Preferred/Standard

Age4041424344454647484950515253545556575859606162636465666768697071727374757677787980



Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic19.36 13.37 11.89 24.15 18.06 16.55 18.33 12.37 10.89 21.85 15.83 14.3320.02 13.92 12.41 25.21 19.00 17.46 18.90 12.83 11.33 22.66 16.52 14.9920.73 14.52 12.98 26.34 20.01 18.44 19.51 13.33 11.80 23.50 17.24 15.6921.47 15.15 13.58 27.51 21.05 19.44 20.14 13.86 12.30 24.34 17.97 16.3922.24 15.81 14.21 28.77 22.19 20.55 20.79 14.41 12.82 25.24 18.76 17.1523.04 16.50 14.87 30.11 23.39 21.71 21.46 14.97 13.35 26.19 19.59 17.9423.89 17.23 15.57 31.52 24.66 22.95 22.17 15.57 13.92 27.17 20.45 18.7724.79 18.02 16.33 32.99 25.99 24.24 22.92 16.20 14.53 28.17 21.32 19.6225.73 18.84 17.12 34.59 27.44 25.65 23.70 16.87 15.17 29.25 22.29 20.5526.74 19.73 17.97 36.24 28.94 27.11 24.53 17.59 15.85 30.36 23.27 21.4927.80 20.66 18.87 38.01 30.55 28.68 25.40 18.34 16.58 31.54 24.32 22.5128.88 21.62 19.79 39.83 32.21 30.30 26.28 19.11 17.31 32.74 25.38 23.5330.05 22.65 20.79 41.75 33.97 32.01 27.23 19.93 18.10 33.99 26.50 24.6131.28 23.74 21.85 43.80 35.84 33.83 28.22 20.80 18.94 35.33 27.70 25.7832.60 24.93 23.00 45.96 37.82 35.77 29.30 21.75 19.86 36.74 28.95 27.0034.01 26.18 24.22 48.23 39.90 37.80 30.43 22.75 20.82 38.22 30.29 28.2935.49 27.52 25.51 50.67 42.14 39.99 31.62 23.81 21.84 39.82 31.74 29.7037.10 28.97 26.92 53.20 44.46 42.25 32.93 24.97 22.96 41.47 33.22 31.1438.80 30.51 28.41 55.88 46.92 44.66 34.29 26.19 24.14 43.23 34.81 32.6940.60 32.14 30.01 58.66 49.48 47.16 35.74 27.49 25.40 45.06 36.47 34.3042.54 33.90 31.72 61.60 52.19 49.81 37.29 28.88 26.76 47.00 38.24 36.0244.58 35.75 33.52 64.63 54.98 52.54 38.93 30.35 28.19 49.02 40.07 37.8046.79 37.76 35.48 67.86 57.95 55.44 40.70 31.96 29.75 51.18 42.03 39.7249.16 39.94 37.60 71.25 61.08 58.49 42.63 33.70 31.44 53.49 44.14 41.7751.71 42.27 39.87 74.83 64.38 61.73 44.69 35.58 33.27 55.96 46.39 43.9654.47 44.79 42.34 78.62 67.88 65.15 46.94 37.63 35.27 58.60 48.81 46.3257.24 47.44 44.95 82.37 71.47 68.69 49.19 39.78 37.40 61.22 51.31 48.8060.22 50.30 47.78 86.36 75.27 72.45 51.63 42.11 39.70 64.04 54.01 51.4663.42 53.35 50.79 90.54 79.26 76.39 54.25 44.62 42.18 67.02 56.86 54.2866.85 56.63 54.04 94.97 83.50 80.57 57.09 47.34 44.87 70.24 59.94 57.3270.60 60.21 57.57 99.67 87.98 85.01 60.21 50.32 47.81 73.68 63.23 60.5774.64 64.08 61.39 104.71 92.80 89.77 63.60 53.56 51.01 77.40 66.78 64.0879.00 68.24 65.50 110.04 97.89 94.80 67.28 57.08 54.49 81.41 70.61 67.8783.73 72.75 69.96 115.71 103.31 100.14 71.33 60.94 58.30 85.76 74.77 71.9788.77 77.57 74.72 121.67 109.01 105.78 75.71 65.13 62.44 90.45 79.25 76.4094.20 82.75 79.84 127.94 114.99 111.69 80.47 69.68 66.93 95.48 84.06 81.15

100.00 88.29 85.31 134.51 121.27 117.89 85.64 74.62 71.81 100.87 89.21 86.24106.19 94.20 91.15 141.39 127.84 124.38 91.25 79.97 77.10 106.67 94.74 91.70112.85 100.56 97.42 148.62 134.74 131.20 97.38 85.82 82.87 112.91 100.70 97.59119.93 107.32 104.10 156.18 141.97 138.33 104.00 92.14 89.12 119.64 107.12 103.92127.56 114.59 111.28 164.13 149.55 145.82 111.29 99.09 95.98 126.91 114.06 110.78


Sagicor Life Inc WHOLE LIFE RIDER BENEFITS

Preferred/Standard

Age Male Female Yearly Monthly

01234

56789

101112131415 2.58 3.87 1.25 0.11

16 2.65 3.98 1.25 0.1117 2.62 3.93 1.25 0.1118 2.67 4.01 1.25 0.1119 2.71 4.07 1.25 0.1120 2.74 4.11 1.25 0.11

21 2.76 4.14 1.25 0.1122 2.68 4.02 1.25 0.1123 2.69 4.04 1.25 0.1124 2.68 4.02 1.25 0.1125 2.67 4.01 1.25 0.11

26 2.65 3.98 1.25 0.1127 2.55 3.83 1.25 0.1128 2.52 3.78 1.25 0.1129 2.49 3.74 1.25 0.1130 2.45 3.68 1.25 0.11

31 2.48 3.72 1.28 0.1132 2.49 3.74 1.30 0.1133 2.45 3.68 1.33 0.1134 2.45 3.68 1.35 0.1235 2.49 3.74 1.38 0.12

36 2.53 3.80 1.42 0.1237 2.55 3.83 1.46 0.1338 2.61 3.92 1.50 0.1339 2.61 3.92 1.54 0.1340 2.64 3.96 1.58 0.14

41 2.66 3.99 1.65 0.1442 2.71 4.07 1.71 0.1543 2.74 4.11 1.78 0.1544 2.78 4.17 1.84 0.1645 2.87 4.31 1.91 0.16

46 2.96 4.44 2.03 0.1847 3.09 4.64 2.15 0.1948 3.24 4.86 2.27 0.2049 3.38 5.07 2.39 0.2150 3.47 5.21 2.51 0.22

51 3.54 5.31 2.51 0.2252 3.67 5.51 2.51 0.2253 3.88 5.82 2.51 0.2254 4.21 6.32 2.51 0.2255 5.88 8.82 2.51 0.22

Dismemberment(% of basic premium) (per 1000 Sum Assured)Waiver of Premium

andAccidental Death

Total Disability

July 1, 2006 1996 - 1997 Series Page C. 2A 9

Sagicor Life Inc

WHOLE LIFE PREFERREDCASH VALUES PER $1,000 SUM ASSURED

Age AgeDuration- 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 100 60 65

Age0 - 22 48 69 93 124 162 208 260 319 384 453 524 594 661 724 781 826 867 1,000 453 524 1 - 23 50 71 97 130 169 216 270 331 397 466 537 607 673 736 791 833 876 - 452 523 2 - 25 51 74 101 135 176 224 280 342 409 479 550 619 685 747 799 841 885 - 451 522 3 - 26 53 76 104 140 183 233 290 353 421 492 563 632 697 758 808 849 894 - 449 521 4 - 28 55 79 108 145 190 241 300 365 433 505 576 644 709 768 816 857 904 - 447 519 5 - 29 56 81 113 151 197 250 310 376 446 518 588 656 721 778 823 865 1,000 - 446 518 6 1 31 58 84 117 157 205 259 321 388 459 531 601 668 732 788 831 874 - - 444 516 7 2 32 59 87 121 163 212 269 332 399 471 543 614 680 743 796 839 883 - - 442 515 8 2 32 61 90 126 169 220 278 343 411 484 556 626 692 754 805 846 893 - - 440 513 9 3 33 63 93 131 176 228 288 354 423 497 568 638 704 764 813 854 902 - - 438 511 10 4 34 65 97 136 183 237 298 365 436 509 581 650 716 774 820 863 1,000 - - 436 509 11 4 35 67 100 141 189 245 308 376 448 522 594 662 727 784 828 872 - - - 433 507 12 4 35 69 104 146 197 254 318 388 461 534 606 674 738 792 835 881 - - - 431 505 13 4 36 71 108 152 204 263 329 399 473 547 618 686 749 801 843 890 - - - 429 503 14 4 37 74 112 158 212 273 340 411 486 559 630 698 759 809 851 900 - - - 426 501 15 4 39 77 117 164 220 282 351 423 498 572 642 709 769 816 860 1,000 - - - 423 498 16 5 40 80 122 171 228 292 362 436 511 584 654 721 779 824 869 - - - - 421 496 17 5 42 84 127 178 237 303 374 449 524 597 666 732 788 832 878 - - - - 418 494 18 6 45 88 133 186 247 314 386 461 536 609 679 743 796 840 888 - - - - 416 492 19 7 47 92 139 194 256 325 398 474 549 622 691 754 804 848 898 - - - - 413 489 20 8 50 96 145 202 266 336 410 487 562 634 703 764 812 857 1,000 - - - - 410 487 21 9 53 101 152 210 276 347 422 499 574 646 714 773 820 866 - - - - - 407 484 22 11 56 106 158 218 286 358 435 512 587 658 726 782 828 875 - - - - - 404 481 23 12 59 110 165 227 296 370 447 524 599 670 737 791 836 885 - - - - - 400 478 24 13 62 115 172 236 306 381 460 537 611 682 747 799 844 895 - - - - - 397 475 25 15 65 121 179 245 317 393 472 549 623 694 757 807 852 1,000 - - - - - 393 472 26 16 68 126 186 254 327 405 484 562 635 706 767 814 862 - - - - - - 389 469 27 17 72 131 194 263 338 417 496 574 647 717 775 822 871 - - - - - - 385 465 28 19 75 137 201 272 349 429 508 586 659 728 784 830 881 - - - - - - 380 461 29 21 79 143 209 282 359 441 520 598 671 738 792 838 891 - - - - - - 376 457 30 22 83 148 217 291 370 452 533 609 683 748 799 847 1,000 - - - - - - 370 452 31 24 86 154 225 301 382 464 544 621 694 757 807 856 - - - - - - - 365 448 32 26 90 160 233 311 393 476 556 633 705 766 815 866 - - - - - - - 359 443 33 27 94 167 241 320 404 487 568 645 716 774 823 876 - - - - - - - 353 438 34 29 98 173 249 330 415 499 579 656 726 782 831 886 - - - - - - - 347 432 35 31 103 179 258 340 426 510 591 668 736 790 840 1,000 - - - - - - - 340 426 36 33 107 186 266 351 437 522 602 679 745 797 849 - - - - - - - - 333 420 37 35 111 193 274 361 448 533 614 690 754 805 859 - - - - - - - - 326 414 38 37 116 199 283 372 459 544 625 701 762 813 869 - - - - - - - - 318 407 39 39 120 206 292 382 470 555 637 711 770 821 880 - - - - - - - - 310 400 40 41 125 213 301 392 481 566 648 720 777 830 1,000 - - - - - - - - 301 392 41 43 130 220 310 402 492 577 659 729 785 840 - - - - - - - - - 292 384 42 45 135 227 320 412 503 588 670 738 792 850 - - - - - - - - - 282 375 43 48 140 234 329 422 513 600 680 746 800 860 - - - - - - - - - 272 366 44 50 145 242 338 432 524 611 690 754 809 871 - - - - - - - - - 261 357 45 52 150 249 347 443 534 622 700 761 818 1,000 - - - - - - - - - 249 347 46 55 155 257 356 453 545 633 708 768 827 - - - - - - - - - - 237 336 47 57 160 265 365 463 555 643 717 776 838 - - - - - - - - - - 224 325 48 60 165 273 374 472 566 653 725 784 849 - - - - - - - - - - 211 313 49 62 170 280 383 482 577 663 732 792 860 - - - - - - - - - - 194 301 50 65 176 288 392 492 587 672 739 801 1,000 - - - - - - - - - - 176 288 51 67 182 295 401 502 598 681 746 811 - - - - - - - - - - - 158 274 52 69 187 303 410 512 608 689 754 822 - - - - - - - - - - - 139 259 53 71 193 310 419 522 618 697 761 833 - - - - - - - - - - - 119 244 54 74 199 318 428 532 628 704 770 845 - - - - - - - - - - - 98 224 55 76 204 326 436 542 637 711 779 1,000 - - - - - - - - - - - 76 204 56 79 209 333 445 553 645 718 790 - - - - - - - - - - - - 54 183 57 82 215 341 455 562 653 725 801 - - - - - - - - - - - - 30 161 58 85 220 348 464 572 660 733 813 - - - - - - - - - - - - 5 139 59 87 225 356 473 581 667 741 826 - - - - - - - - - - - - - 115 60 89 231 363 483 589 673 750 1,000 - - - - - - - - - - - - - 89 61 91 236 370 492 597 679 761 - - - - - - - - - - - - - - 63 62 93 241 378 501 604 686 773 - - - - - - - - - - - - - - 35 63 96 246 386 510 610 694 786 - - - - - - - - - - - - - - 6 64 98 252 395 518 617 702 800 - - - - - - - - - - - - - - - 65 101 257 403 526 623 712 1,000 - - - - - - - - - - - - - - - 66 104 263 412 533 629 723 - - - - - - - - - - - - - - - - 67 106 269 420 540 635 736 - - - - - - - - - - - - - - - - 68 109 276 428 546 643 750 - - - - - - - - - - - - - - - - 69 111 283 436 551 651 765 - - - - - - - - - - - - - - - - 70 114 289 442 556 661 1,000 - - - - - - - - - - - - - - - - 71 117 297 449 561 673 - - - - - - - - - - - - - - - - - 72 120 304 454 568 690 - - - - - - - - - - - - - - - - - 73 125 311 459 577 710 - - - - - - - - - - - - - - - - - 74 129 317 464 586 733 - - - - - - - - - - - - - - - - - 75 133 322 468 598 1,000 - - - - - - - - - - - - - - - - - 76 137 326 472 612 - - - - - - - - - - - - - - - - - - 77 140 329 478 632 - - - - - - - - - - - - - - - - - - 78 143 332 485 658 - - - - - - - - - - - - - - - - - - 79 145 333 494 691 - - - - - - - - - - - - - - - - - - 80 145 335 508 1,000 - - - - - - - - - - - - - - - - - -


Sagicor Life Inc

WHOLE LIFE STANDARDCASH VALUES PER $1,000 SUM ASSURED

Age AgeDuration- 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 60 65

Age20 12 59 113 170 236 309 388 468 549 625 695 760 816 821 866 468 549 21 13 63 119 178 246 321 400 482 562 638 707 771 824 828 876 465 547 22 15 66 124 186 256 332 413 495 575 650 718 781 831 836 886 462 544 23 16 70 130 194 266 344 425 509 588 662 730 791 838 845 896 458 541 24 18 74 136 202 276 355 438 522 600 674 741 801 845 853 1,000 455 538 25 20 78 143 211 286 367 451 534 613 685 752 809 851 863 - 451 534 26 21 82 149 219 297 379 463 547 625 696 763 818 857 872 - 446 531 27 23 86 155 228 307 391 476 559 637 708 773 825 863 882 - 442 527 28 25 90 162 237 318 402 489 571 649 719 783 832 869 892 - 437 523 29 27 95 169 246 328 414 502 584 660 730 792 839 875 1,000 - 432 518 30 29 99 176 255 339 426 514 596 671 741 801 845 882 - - 426 514 31 31 104 183 264 350 438 526 608 682 752 809 851 889 - - 420 509 32 33 109 190 273 360 451 538 619 693 762 816 856 897 - - 414 504 33 35 113 197 282 371 463 549 630 704 772 823 862 904 - - 408 498 34 38 118 204 292 382 474 561 641 715 781 830 869 913 - - 401 492 35 40 123 212 301 393 486 573 652 726 790 836 875 1,000 - - 393 486 36 42 128 219 311 405 497 584 663 737 798 842 882 - - - 386 479 37 44 133 227 320 416 508 595 674 747 805 847 890 - - - 377 472 38 47 139 235 330 427 519 606 685 757 812 853 898 - - - 368 465 39 49 144 243 339 438 531 617 696 766 818 859 907 - - - 359 457 40 52 149 251 349 449 542 627 706 774 824 866 1,000 - - - 349 449 41 54 155 258 359 459 552 638 717 782 830 873 - - - - 339 440 42 57 161 266 370 469 563 648 727 789 835 881 - - - - 328 430 43 60 166 274 380 480 573 659 736 796 841 890 - - - - 316 421 44 62 172 282 389 490 584 669 746 802 847 898 - - - - 304 410 45 65 178 291 399 500 594 680 754 808 854 1,000 - - - - 291 399 46 68 184 299 408 510 604 690 762 814 862 - - - - - 277 387 47 71 189 308 418 520 614 700 769 819 870 - - - - - 262 375 48 74 195 317 427 530 624 710 775 825 879 - - - - - 247 362 49 77 201 325 436 540 634 719 781 831 888 - - - - - 227 348 50 80 208 333 445 549 645 727 787 838 1,000 - - - - - 208 333 51 82 214 341 454 558 655 735 792 846 - - - - - - 187 317 52 84 220 348 463 568 664 741 798 854 - - - - - - 165 300 53 87 226 356 472 578 674 748 803 864 - - - - - - 142 283 54 90 233 364 481 588 683 753 810 873 - - - - - - 118 261 55 93 238 372 489 598 691 759 817 1,000 - - - - - - 93 238 56 97 244 380 498 607 698 764 825 - - - - - - - 67 215 57 100 250 388 507 617 705 769 834 - - - - - - - 39 190 58 103 255 395 516 626 711 774 844 - - - - - - - 10 164 59 106 261 402 525 634 716 781 854 - - - - - - - - 137 60 108 266 409 534 642 721 788 1,000 - - - - - - - - 108 61 110 271 416 543 649 725 796 - - - - - - - - - 77 62 112 276 423 552 655 730 805 - - - - - - - - - 45 63 114 281 431 560 660 735 816 - - - - - - - - - 11 64 117 287 440 569 665 741 828 - - - - - - - - - - 65 120 292 448 576 669 749 1,000 - - - - - - - - - - 66 123 298 457 583 673 758 - - - - - - - - - - - 67 125 304 466 588 678 768 - - - - - - - - - - - 68 128 311 474 593 683 780 - - - - - - - - - - - 69 130 318 481 597 689 793 - - - - - - - - - - - 70 132 325 488 600 696 1,000 - - - - - - - - - - - 71 135 332 493 603 706 - - - - - - - - - - - - 72 139 340 498 607 717 - - - - - - - - - - - - 73 143 347 502 612 733 - - - - - - - - - - - - 74 148 353 504 618 753 - - - - - - - - - - - - 75 153 358 506 626 1,000 - - - - - - - - - - - - 76 157 361 507 636 - - - - - - - - - - - - - 77 161 363 509 650 - - - - - - - - - - - - - 78 164 363 511 669 - - - - - - - - - - - - - 79 165 361 515 696 - - - - - - - - - - - - - 80 165 359 523 1,000 - - - - - - - - - - - - -


Sagicor Life Inc

WHOLE LIFE PREFERREDPAID-UP VALUES PER $1,000 OF SUM ASSURED

Age AgeDuration 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 60 65

Age0 - 231 421 515 593 668 733 790 833 869 898 922 940 954 966 973 980 984 982 922 940 1 - 233 423 514 598 677 738 793 837 874 902 923 941 956 966 974 981 983 980 920 938 2 - 244 418 520 603 679 742 795 840 875 904 925 942 955 967 975 980 983 977 918 936 3 - 245 421 517 600 680 745 799 842 876 905 926 944 957 967 975 981 982 972 914 934 4 - 254 424 520 602 680 747 799 844 879 905 927 945 958 968 975 981 982 964 909 931 5 - 254 418 516 609 683 749 801 844 879 907 929 945 958 969 976 980 980 1,000 907 929 6 10 262 420 518 609 686 753 803 847 882 909 930 946 959 969 977 980 978 - 903 925 7 20 262 414 519 608 688 752 807 850 882 909 930 948 959 969 976 980 975 - 899 923 8 19 254 415 519 612 688 754 807 851 883 911 932 948 960 970 977 979 971 - 895 920 9 27 254 415 519 614 692 756 810 853 884 913 932 949 961 970 977 978 962 - 891 916 10 35 254 414 523 615 695 759 812 854 887 913 933 949 962 971 976 978 1,000 - 887 913 11 34 254 413 520 616 694 759 813 855 888 915 935 950 962 972 977 976 - - 881 909 12 33 246 412 523 616 699 762 814 857 890 915 935 951 963 971 976 973 - - 877 905 13 32 245 410 524 619 699 764 817 857 890 917 936 952 964 972 975 968 - - 873 902 14 31 244 413 525 622 703 768 819 859 892 917 937 953 964 972 975 960 - - 867 898 15 30 249 415 529 623 705 768 821 861 893 919 938 953 965 972 974 1,000 - - 861 893 16 36 247 416 533 628 707 771 823 864 895 919 939 954 966 972 973 - - - 857 889 17 35 251 422 536 631 711 775 826 867 898 922 940 955 966 972 970 - - - 850 886 18 41 260 427 542 638 717 779 829 867 898 922 942 956 966 972 965 - - - 846 882 19 46 262 431 547 643 720 783 832 870 901 925 943 957 966 971 958 - - - 840 877 20 51 269 434 551 647 725 786 834 873 903 926 945 958 967 971 1,000 - - - 834 873 21 56 276 441 558 651 729 789 836 874 904 927 945 958 967 969 - - - - 828 868 22 66 281 447 560 654 732 791 840 877 906 928 947 959 967 966 - - - - 822 862 23 69 286 448 566 659 735 795 841 878 907 930 948 960 967 962 - - - - 814 857 24 72 291 452 570 664 737 796 845 881 909 931 949 960 967 955 - - - - 808 852 25 81 294 460 574 667 741 800 846 882 910 933 950 961 965 1,000 - - - - 800 846 26 83 297 463 577 670 743 802 848 885 911 935 951 960 965 - - - - - 791 841 27 85 304 465 582 673 747 805 850 886 913 935 951 960 962 - - - - - 783 834 28 92 306 470 584 675 750 807 851 888 914 937 952 960 958 - - - - - 773 827 29 98 311 474 588 679 750 810 853 889 916 937 952 960 951 - - - - - 765 819 30 100 315 474 591 681 753 810 856 890 918 938 951 959 1,000 - - - - - 753 810 31 105 316 477 594 684 757 813 856 891 919 939 952 958 - - - - - - 743 803 32 110 319 480 596 687 759 815 858 893 920 940 952 956 - - - - - - 730 794 33 110 322 485 598 688 760 816 860 895 921 940 952 952 - - - - - - 718 785 34 114 325 486 600 690 762 819 861 896 922 940 952 945 - - - - - - 706 775 35 118 330 488 603 692 764 819 863 898 923 941 951 1,000 - - - - - - 692 764 36 121 332 491 605 695 766 822 864 899 924 940 950 - - - - - - - 678 753 37 124 333 494 605 697 768 823 866 900 925 941 949 - - - - - - - 663 742 38 127 337 494 608 700 769 824 867 902 925 941 945 - - - - - - - 647 730 39 129 337 496 610 701 771 825 870 903 926 940 939 - - - - - - - 631 717 40 131 340 498 612 703 773 827 871 903 925 940 1,000 - - - - - - - 612 703 41 133 343 500 614 704 775 828 872 904 926 940 - - - - - - - - 594 689 42 135 345 502 618 706 776 830 874 905 925 939 - - - - - - - - 574 672 43 139 347 503 619 707 777 833 875 906 926 935 - - - - - - - - 553 656 44 141 349 506 621 709 779 834 876 906 927 929 - - - - - - - - 531 640 45 142 351 507 622 712 780 836 878 906 927 1,000 - - - - - - - - 507 622 46 145 352 509 624 713 782 838 878 906 926 - - - - - - - - - 482 602 47 146 353 511 625 715 783 839 879 907 925 - - - - - - - - - 456 583 48 149 355 514 627 715 785 840 880 907 923 - - - - - - - - - 429 561 49 149 355 514 628 717 788 842 880 907 917 - - - - - - - - - 395 540 50 152 358 516 630 719 789 843 880 907 1,000 - - - - - - - - - 358 516 51 152 361 517 631 721 792 844 880 908 - - - - - - - - - - 321 491 52 152 361 519 633 722 793 845 881 908 - - - - - - - - - - 283 464 53 153 363 520 635 724 795 846 881 906 - - - - - - - - - - 242 437 54 155 365 522 636 726 797 846 882 901 - - - - - - - - - - 199 402 55 155 366 524 637 728 799 847 882 1,000 - - - - - - - - - - 155 366 56 157 366 524 639 732 800 847 884 - - - - - - - - - - - 110 328 57 158 368 526 642 733 801 847 884 - - - - - - - - - - - 61 289 58 160 369 527 644 736 801 848 884 - - - - - - - - - - - 10 249 59 160 369 529 646 738 802 849 881 - - - - - - - - - - - - 206 60 160 371 530 649 739 801 850 1,000 - - - - - - - - - - - - 160 61 159 372 531 651 740 801 852 - - - - - - - - - - - - - 113 62 159 372 533 654 741 802 854 - - - - - - - - - - - - - 63 63 161 373 536 656 741 803 855 - - - - - - - - - - - - - 11 64 161 375 539 658 742 804 853 - - - - - - - - - - - - - - 65 162 375 542 660 742 807 1,000 - - - - - - - - - - - - - - 66 164 378 545 661 742 809 - - - - - - - - - - - - - - - 67 164 380 548 662 742 813 - - - - - - - - - - - - - - - 68 165 383 551 663 744 815 - - - - - - - - - - - - - - - 69 165 386 554 662 746 816 - - - - - - - - - - - - - - - 70 167 388 554 662 749 1,000 - - - - - - - - - - - - - - - 71 168 393 557 662 753 - - - - - - - - - - - - - - - - 72 169 397 557 664 762 - - - - - - - - - - - - - - - - 73 173 400 557 668 772 - - - - - - - - - - - - - - - - 74 176 403 558 671 782 - - - - - - - - - - - - - - - - 75 179 404 557 677 1,000 - - - - - - - - - - - - - - - - 76 181 404 557 685 - - - - - - - - - - - - - - - - - 77 183 404 559 698 - - - - - - - - - - - - - - - - - 78 184 403 561 715 - - - - - - - - - - - - - - - - - 79 184 400 566 737 - - - - - - - - - - - - - - - - - 80 182 399 575 1,000 - - - - - - - - - - - - - - - - -


Sagicor Life Inc

WHOLE LIFE STANDARDPAID-UP VALUES PER $1,000 OF SUM ASSURED

Age AgeDuration 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 60 65

Age20 64 269 436 553 651 730 794 841 880 909 932 950 964 933 952 - 841 880 21 68 278 443 560 657 736 797 846 883 912 934 952 965 935 956 - 836 877 22 76 282 446 566 663 739 801 848 885 914 935 953 965 938 959 - 831 872 23 78 289 452 571 668 744 804 852 888 915 938 954 966 942 960 - 823 867 24 85 295 458 576 672 746 807 855 889 918 939 956 967 944 1,000 - 818 862 25 91 301 465 582 675 751 811 856 892 919 940 956 967 949 - - 811 856 26 93 305 469 585 681 755 812 859 893 920 942 958 968 951 - - 802 851 27 98 310 472 590 683 759 815 861 895 922 943 958 968 954 - - 795 845 28 103 313 477 595 688 760 819 862 898 923 945 959 969 956 - - 786 838 29 108 320 482 599 690 763 822 865 899 925 945 960 969 1,000 - - 777 830 30 112 322 486 602 693 766 824 867 900 927 947 960 970 - - - 766 824 31 115 327 489 605 697 768 826 869 901 929 948 961 970 - - - 755 816 32 119 332 492 608 698 773 828 870 903 930 948 960 971 - - - 744 808 33 122 333 494 610 701 775 829 871 904 931 948 961 969 - - - 734 798 34 128 336 497 614 704 776 831 873 906 932 950 962 967 - - - 721 789 35 130 339 501 616 707 779 834 874 908 934 950 962 1,000 - - - 707 779 36 132 342 502 619 711 780 835 876 910 935 951 962 - - - - 694 768 37 134 344 505 621 713 782 836 878 911 935 950 963 - - - - 678 757 38 138 349 508 624 715 784 838 880 913 936 951 963 - - - - 662 745 39 140 351 511 625 717 787 840 882 914 936 951 961 - - - - 645 733 40 143 352 513 627 720 789 841 883 915 936 952 1,000 - - - - 627 720 41 144 355 514 630 721 789 843 885 916 937 953 - - - - - 609 705 42 148 358 516 634 722 791 844 887 916 937 953 - - - - - 590 689 43 151 359 518 636 725 792 846 888 917 937 954 - - - - - 568 675 44 151 362 520 637 726 795 848 890 918 938 951 - - - - - 547 657 45 154 364 523 640 727 797 850 891 918 939 1,000 - - - - - 523 640 46 156 366 525 641 729 798 852 892 919 941 - - - - - - 498 620 47 158 367 528 643 731 800 854 893 919 941 - - - - - - 471 601 48 160 369 531 645 733 801 857 893 920 942 - - - - - - 444 580 49 162 371 532 646 735 803 858 894 920 941 - - - - - - 408 558 50 164 374 534 647 736 807 859 894 921 1,000 - - - - - - 374 534 51 163 375 535 649 737 809 861 894 923 - - - - - - - 336 508 52 163 377 536 651 740 810 861 895 924 - - - - - - - 297 481 53 164 378 538 653 742 813 862 895 926 - - - - - - - 255 454 54 166 382 539 655 745 815 862 897 925 - - - - - - - 212 418 55 167 381 541 656 748 817 863 898 1,000 - - - - - - - 167 381 56 170 383 543 658 750 818 863 900 - - - - - - - - 120 345 57 171 385 545 660 753 819 863 902 - - - - - - - - 70 305 58 172 385 546 663 755 819 863 905 - - - - - - - - 18 263 59 174 387 547 665 757 819 865 905 - - - - - - - - - 220 60 173 387 549 668 759 819 866 1,000 - - - - - - - - - 173 61 173 387 550 671 760 819 868 - - - - - - - - - - 123 62 172 388 551 674 761 819 871 - - - - - - - - - - 72 63 172 389 554 676 761 819 875 - - - - - - - - - - 18 64 173 391 557 679 761 820 877 - - - - - - - - - - - 65 175 392 560 681 760 823 1,000 - - - - - - - - - - - 66 176 394 564 683 760 827 - - - - - - - - - - - - 67 176 396 569 683 761 831 - - - - - - - - - - - - 68 177 399 572 683 761 836 - - - - - - - - - - - - 69 177 403 574 683 763 840 - - - - - - - - - - - - 70 177 406 577 682 765 1,000 - - - - - - - - - - - - 71 178 410 577 681 770 - - - - - - - - - - - - - 72 181 415 578 681 776 - - - - - - - - - - - - - 73 184 419 579 682 786 - - - - - - - - - - - - - 74 188 421 577 684 798 - - - - - - - - - - - - - 75 191 423 575 688 1,000 - - - - - - - - - - - - - 76 194 423 572 694 - - - - - - - - - - - - - - 77 196 422 571 703 - - - - - - - - - - - - - - 78 198 418 570 717 - - - - - - - - - - - - - - 79 197 413 570 737 - - - - - - - - - - - - - - 80 195 408 575 1,000 - - - - - - - - - - - - - -


Sagicor Life Inc Life Paid up at 65


LIFE PAID UP AT 65 Plan Features Life Paid up at 65 is a non-participating life insurance product with guaranteed cash values. The Sum Assured is level over the term of the policy and is paid on death.

Term The term of the policy is for the whole of life i.e. the remaining lifetime of the Insured. Premiums are payable until the policy anniversary nearest age 65. Face Amount Bands

Territory Band 1

(in local $)

Band 2 (in local $)

Band 3 (in local $)


Policy Fees (in local $)




Issue Ages Ages 0 to 55 for preferred cases. Ages 20 to 55 for standard cases. Cash Values On surrender, the policyholder is entitled to a cash value calculated according to the schedule of guaranteed cash values contained in the contract.

Sagicor Life Inc Life Paid up at 65



• Accidental Death and Dismemberment (AD&D) • Total Disability Waiver of Premium • Payor’s Waiver • Guaranteed Insurability

Term Riders may only be added if the Premium Paying Period of the Rider expires on or before the date of expiration of the Premium Paying Period of the Base Plan. The available Term Riders are:

• 20 Year Term (up to issue age 45) and Term to 65. Life Protector II may not be added as a Rider. Commissions

Commission Rates No. of years of premiums Year 1 Year 2 Years 3 and over

10 to 14 40% 25% 3.5%

15 to 19 50% 25% 3.5%

20 to 24 55% 25% 3.5%

25 or more 60% 25% 3.5% Reinsurance Limits The Retention of Sagicor Life for each Life Insured is the maximum amount of risk which the company can retain on its own account. All amounts in excess of this limit are ceded to the Reinsurance Company. Generally, the amount of cover which the Reinsurance Company will automatically accept is capped at ten (10) times the Retention of Sagicor. This automatic cover varies by Reinsurance Treaty and by Territory. The limits under the current treaties are set out below. Advisors should check with the Reinsurance and Underwriting departments before quoting on high volume cases.

Reinsurance Limits for Life Paid Up at 65 (Sagicor Life) Issue Age / Automatic Cover


TT$ $4,000,000 $3,500,000 $2,000,000 US$ $1,000,000 $850,000 $500,000

Sagicor Life IncLIFE PAID UP AT AGE 65

ANNUAL PREMIUM RATES PER$1,000 OF SUM ASSURED

Preferred/Standard

SAGICOR BARBADOS

USING VARYING EXPENSES BY BAND AND AGE$120BD Policy Fee

Male Preferred Male Standard Female Preferred Female StandardBand 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3

Age Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic0 6.84 3.65 2.76 6.66 3.48 2.591 6.83 3.65 2.77 6.65 3.47 2.592 6.88 3.70 2.81 6.68 3.50 2.613 6.95 3.77 2.88 6.74 3.56 2.674 7.04 3.86 2.97 6.82 3.64 2.755 7.16 3.97 3.09 6.91 3.73 2.846 7.28 4.10 3.21 7.01 3.83 2.947 7.41 4.22 3.33 7.10 3.91 3.038 7.55 4.37 3.48 7.20 4.02 3.139 7.71 4.52 3.63 7.31 4.13 3.24

10 7.88 4.69 3.80 7.44 4.25 3.3611 8.04 4.85 3.96 7.55 4.36 3.4712 8.23 5.03 4.14 7.68 4.49 3.6013 8.41 5.22 4.33 7.80 4.62 3.7314 8.61 5.42 4.53 7.95 4.76 3.8715 8.81 5.61 4.72 8.09 4.90 4.0116 8.98 5.78 4.89 8.21 5.01 4.1217 9.17 5.97 5.08 8.36 5.17 4.2818 9.34 6.14 5.25 8.53 5.33 4.4419 9.51 6.31 5.41 8.71 5.51 4.6220 9.68 6.48 5.58 10.84 7.64 6.74 8.90 5.70 4.81 9.81 6.61 5.7221 9.98 6.70 5.78 11.21 7.92 7.01 9.24 5.95 5.04 10.20 6.92 6.0022 10.30 6.93 5.98 11.60 8.24 7.29 9.58 6.22 5.27 10.61 7.25 6.3123 10.64 7.19 6.22 12.03 8.58 7.61 9.95 6.50 5.54 11.05 7.61 6.6424 11.00 7.47 6.47 12.51 8.98 7.98 10.33 6.80 5.80 11.53 8.00 7.0025 11.39 7.77 6.75 13.01 9.40 8.38 10.72 7.11 6.09 12.02 8.41 7.3926 11.81 8.11 7.06 13.54 9.85 8.80 11.15 7.45 6.40 12.54 8.85 7.8027 12.26 8.47 7.39 14.10 10.32 9.25 11.60 7.82 6.74 13.09 9.30 8.2328 12.72 8.84 7.74 14.69 10.82 9.72 12.06 8.19 7.09 13.65 9.78 8.6729 13.20 9.24 8.11 15.32 11.36 10.23 12.54 8.58 7.45 14.24 10.28 9.1530 13.71 9.66 8.50 15.97 11.92 10.76 13.04 8.99 7.83 14.85 10.80 9.6431 14.25 10.10 8.92 16.67 12.54 11.35 13.56 9.42 8.23 15.51 11.37 10.1832 14.81 10.58 9.36 17.40 13.17 11.95 14.12 9.89 8.67 16.19 11.96 10.7433 15.40 11.07 9.83 18.16 13.83 12.59 14.71 10.37 9.13 16.90 12.57 11.3234 16.02 11.59 10.32 18.98 14.56 13.28 15.31 10.88 9.61 17.67 13.24 11.9635 16.69 12.16 10.85 19.86 15.34 14.03 15.96 11.43 10.12 18.49 13.95 12.6436 17.40 12.77 11.43 20.81 16.17 14.83 16.66 12.02 10.68 19.35 14.71 13.3637 18.17 13.42 12.05 21.82 17.08 15.70 17.39 12.64 11.27 20.26 15.51 14.1338 19.01 14.16 12.75 22.96 18.10 16.69 18.19 13.33 11.92 21.27 16.40 14.9939 19.92 14.94 13.49 24.18 19.20 17.76 19.04 14.06 12.61 22.34 17.35 15.9040 20.89 15.79 14.31 25.51 20.40 18.92 19.95 14.84 13.36 23.47 18.35 16.86




Preferred/Standard

SAGICOR BARBADOS


Male Preferred Male Standard Female Preferred Female StandardBand 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3

Age Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic41 21.51 16.41 14.92 26.39 21.29 19.80 20.51 15.40 13.91 24.18 19.06 17.5742 22.67 17.43 15.90 27.92 22.68 21.14 21.58 16.33 14.80 25.47 20.21 18.6743 23.91 18.52 16.94 29.60 24.22 22.64 22.72 17.32 15.74 26.88 21.47 19.8844 25.28 19.73 18.11 31.44 25.89 24.26 23.99 18.43 16.80 28.40 22.83 21.2045 26.77 21.05 19.37 33.46 27.74 26.05 25.36 19.62 17.94 30.08 24.34 22.6546 27.85 22.09 20.40 34.90 29.14 27.45 26.35 20.57 18.87 31.24 25.45 23.7547 29.69 23.72 21.97 37.31 31.36 29.60 28.04 22.06 20.30 33.25 27.26 25.5048 31.72 25.53 23.71 39.98 33.80 31.98 29.94 23.72 21.89 35.49 29.27 27.4449 34.05 27.60 25.71 43.02 36.59 34.69 32.10 25.62 23.72 38.06 31.58 29.6750 36.69 29.96 27.97 46.42 39.70 37.72 34.56 27.78 25.79 40.94 34.17 32.1751 37.98 31.28 29.31 48.03 41.37 39.40 35.76 29.01 27.03 42.27 35.55 33.5652 41.32 34.25 32.17 52.27 45.25 43.17 38.87 31.76 29.66 45.91 38.81 36.7253 45.28 37.78 35.57 57.21 49.78 47.57 42.59 35.03 32.81 50.20 42.67 40.4554 50.03 42.02 39.66 63.07 55.14 52.79 47.06 38.98 36.60 55.31 47.27 44.8955 55.84 47.20 44.65 70.20 61.66 59.13 52.53 43.80 41.24 61.59 52.92 50.36




Preferred/Standard

Age0123456789

10111213141516171819202122232425262728293031323334353637383940

SAGICOR TRINIDAD

USING VARYING EXPENSES BY BAND AND AGE$200TT Policy Fee

Male Preferred Male Standard Female Preferred Female StandardBand 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic

7.61 4.15 2.94 7.45 3.98 2.787.61 4.15 2.94 7.44 3.97 2.777.66 4.19 2.99 7.47 4.00 2.807.72 4.25 3.05 7.52 4.06 2.857.82 4.35 3.14 7.60 4.13 2.937.92 4.45 3.25 7.69 4.22 3.028.04 4.57 3.37 7.78 4.31 3.118.16 4.69 3.49 7.86 4.40 3.198.30 4.83 3.63 7.96 4.50 3.298.45 4.98 3.78 8.07 4.60 3.408.62 5.14 3.94 8.19 4.72 3.528.77 5.30 4.09 8.30 4.83 3.628.95 5.47 4.27 8.42 4.95 3.749.13 5.65 4.44 8.55 5.07 3.879.33 5.84 4.64 8.68 5.21 4.009.51 6.03 4.82 8.82 5.34 4.149.68 6.20 4.99 8.93 5.45 4.259.86 6.37 5.16 9.08 5.60 4.40

10.03 6.54 5.33 9.24 5.76 4.5510.19 6.70 5.49 9.42 5.93 4.7210.35 6.86 5.65 11.47 7.98 6.76 9.60 6.12 4.91 10.47 6.99 5.7810.64 7.08 5.82 11.81 8.26 7.00 9.92 6.36 5.11 10.84 7.29 6.0310.93 7.31 6.00 12.19 8.56 7.25 10.24 6.62 5.31 11.23 7.61 6.3111.26 7.56 6.21 12.60 8.90 7.54 10.59 6.90 5.55 11.65 7.96 6.6011.60 7.83 6.43 13.05 9.28 7.88 10.95 7.19 5.78 12.10 8.34 6.9411.97 8.13 6.68 13.53 9.69 8.24 11.32 7.49 6.04 12.58 8.74 7.2912.37 8.46 6.96 14.04 10.13 8.63 11.73 7.83 6.33 13.07 9.17 7.6712.79 8.81 7.26 14.57 10.59 9.04 12.16 8.18 6.63 13.59 9.61 8.0613.23 9.17 7.57 15.13 11.08 9.47 12.60 8.54 6.94 14.13 10.07 8.4713.69 9.56 7.91 15.73 11.60 9.94 13.05 8.92 7.27 14.69 10.56 8.9114.18 9.97 8.26 16.35 12.14 10.43 13.53 9.33 7.62 15.27 11.07 9.3614.69 10.40 8.64 17.02 12.74 10.98 14.03 9.75 7.99 15.90 11.61 9.8615.23 10.86 9.05 17.72 13.35 11.53 14.56 10.20 8.39 16.55 12.19 10.3715.79 11.34 9.48 18.44 14.00 12.13 15.12 10.67 8.81 17.23 12.78 10.9116.38 11.85 9.93 19.23 14.70 12.77 15.70 11.17 9.25 17.97 13.43 11.5117.02 12.40 10.42 20.07 15.45 13.47 16.32 11.70 9.72 18.74 14.12 12.1417.70 12.99 10.96 20.97 16.26 14.22 16.98 12.27 10.24 19.57 14.85 12.8118.43 13.63 11.53 21.94 17.14 15.04 17.68 12.88 10.78 20.44 15.63 13.5319.24 14.34 12.18 23.03 18.13 15.96 18.45 13.54 11.39 21.41 16.50 14.3320.10 15.10 12.88 24.20 19.19 16.96 19.26 14.25 12.03 22.43 17.41 15.1821.04 15.93 13.64 25.47 20.35 18.05 20.13 15.01 12.73 23.51 18.38 16.08




Preferred/Standard

Age414243444546474849505152535455

SAGICOR TRINIDAD


Male Preferred Male Standard Female Preferred Female StandardBand 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic21.64 16.53 14.22 26.33 21.22 18.89 20.68 15.56 13.25 24.21 19.08 16.7622.74 17.51 15.13 27.80 22.56 20.16 21.70 16.46 14.08 25.43 20.18 17.7923.93 18.57 16.11 29.41 24.05 21.57 22.79 17.42 14.96 26.79 21.41 18.9325.25 19.75 17.21 31.17 25.66 23.10 24.01 18.49 15.95 28.25 22.72 20.1726.68 21.02 18.39 33.11 27.45 24.79 25.32 19.65 17.02 29.86 24.18 21.5427.73 22.04 19.38 34.51 28.82 26.13 26.28 20.58 17.91 30.99 25.27 22.5929.49 23.62 20.85 36.83 30.96 28.17 27.91 22.02 19.25 32.92 27.02 24.2431.45 25.38 22.50 39.39 33.32 30.41 29.73 23.64 20.75 35.07 28.97 26.0733.68 27.38 24.38 42.31 36.01 32.98 31.80 25.48 22.47 37.53 31.20 28.1836.22 29.66 26.52 45.57 39.02 35.85 34.17 27.58 24.43 40.29 33.71 30.5437.50 30.97 27.82 47.18 40.67 37.50 35.36 28.79 25.64 41.63 35.08 31.9040.71 33.86 30.53 51.25 44.42 41.07 38.35 31.46 28.13 45.13 38.24 34.9044.52 37.28 33.75 56.00 48.80 45.25 41.93 34.64 31.10 49.25 41.98 38.4349.09 41.38 37.62 61.63 53.98 50.19 46.23 38.46 34.69 54.16 46.43 42.6454.67 46.40 42.34 68.48 60.28 56.20 51.49 43.14 39.07 60.19 51.89 47.81




Preferred/Standard

Age0123456789

10111213141516171819202122232425262728293031323334353637383940

SAGICOR EC & OTHER, PLUS CAPITAL LIFE

USING VARYING EXPENSES BY BAND AND AGE$160 Local Currency Policy Fee

Male Preferred Male Standard Female Preferred Female StandardBand 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic

8.00 4.01 3.05 7.83 3.83 2.888.00 4.01 3.05 7.82 3.83 2.878.04 4.05 3.10 7.85 3.86 2.908.11 4.12 3.17 7.91 3.91 2.968.21 4.22 3.26 7.99 3.99 3.048.32 4.33 3.37 8.08 4.09 3.138.45 4.45 3.50 8.17 4.18 3.228.57 4.58 3.62 8.26 4.27 3.318.72 4.72 3.77 8.37 4.37 3.428.87 4.88 3.92 8.48 4.48 3.539.04 5.04 4.09 8.60 4.61 3.659.21 5.21 4.25 8.71 4.72 3.769.39 5.39 4.43 8.84 4.84 3.899.58 5.58 4.62 8.97 4.97 4.019.78 5.78 4.82 9.12 5.11 4.169.98 5.97 5.01 9.26 5.25 4.30

10.16 6.14 5.18 9.37 5.37 4.4110.34 6.33 5.37 9.53 5.53 4.5710.52 6.50 5.54 9.70 5.69 4.7310.68 6.66 5.70 9.88 5.87 4.9110.86 6.83 5.87 12.01 8.00 7.03 10.08 6.06 5.10 10.98 6.97 6.0111.19 7.07 6.08 12.41 8.29 7.30 10.44 6.32 5.33 11.40 7.28 6.3011.53 7.31 6.29 12.83 8.62 7.60 10.81 6.59 5.58 11.84 7.63 6.6211.91 7.58 6.54 13.29 8.97 7.93 11.22 6.89 5.85 12.31 7.99 6.9512.30 7.87 6.80 13.80 9.38 8.31 11.62 7.20 6.13 12.82 8.40 7.3312.72 8.18 7.09 14.34 9.81 8.71 12.05 7.52 6.42 13.35 8.82 7.7313.17 8.53 7.41 14.90 10.27 9.15 12.51 7.87 6.75 13.90 9.27 8.1513.65 8.90 7.75 15.50 10.76 9.60 12.99 8.25 7.10 14.48 9.74 8.5914.14 9.29 8.11 16.12 11.27 10.09 13.48 8.63 7.45 15.07 10.22 9.0414.66 9.70 8.49 16.78 11.82 10.61 14.00 9.03 7.82 15.70 10.74 9.5315.20 10.13 8.89 17.46 12.39 11.15 14.53 9.46 8.22 16.34 11.27 10.0315.77 10.58 9.32 18.20 13.02 11.75 15.09 9.90 8.63 17.04 11.85 10.5816.38 11.07 9.77 18.96 13.66 12.36 15.68 10.38 9.08 17.75 12.45 11.1517.00 11.58 10.25 19.76 14.34 13.01 16.30 10.88 9.55 18.50 13.07 11.7417.66 12.11 10.75 20.62 15.08 13.71 16.95 11.40 10.04 19.31 13.76 12.3918.36 12.69 11.29 21.53 15.87 14.47 17.64 11.96 10.56 20.16 14.48 13.0819.12 13.31 11.89 22.52 16.72 15.29 18.37 12.56 11.13 21.06 15.25 13.8219.92 13.98 12.52 23.57 17.64 16.17 19.14 13.20 11.73 22.02 16.07 14.6020.81 14.73 13.23 24.75 18.68 17.17 19.99 13.90 12.40 23.07 16.97 15.4721.75 15.53 13.99 26.02 19.79 18.25 20.88 14.64 13.10 24.18 17.94 16.3922.78 16.39 14.81 27.39 21.01 19.43 21.84 15.45 13.86 25.36 18.96 17.37




Preferred/Standard

Age414243444546474849505152535455



Male Preferred Male Standard Female Preferred Female StandardBand 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic23.40 17.01 15.43 28.28 21.90 20.31 22.40 16.01 14.42 26.08 19.67 18.0824.60 18.05 16.42 29.86 23.30 21.67 23.52 16.95 15.32 27.41 20.83 19.2025.90 19.16 17.48 31.60 24.86 23.18 24.72 17.96 16.28 28.88 22.11 20.4327.33 20.39 18.67 33.49 26.55 24.82 26.05 19.09 17.36 30.46 23.49 21.7628.88 21.73 19.95 35.58 28.42 26.64 27.48 20.30 18.52 32.21 25.02 23.2329.99 22.78 20.98 37.03 29.83 28.04 28.49 21.26 19.46 33.38 26.14 24.3431.89 24.43 22.58 39.52 32.07 30.21 30.26 22.77 20.91 35.47 27.98 26.1134.01 26.27 24.34 42.27 34.54 32.61 32.24 24.46 22.52 37.79 30.01 28.0736.43 28.37 26.36 45.40 37.36 35.35 34.49 26.39 24.37 40.45 32.35 30.3339.19 30.76 28.66 48.91 40.51 38.41 37.06 28.59 26.48 43.44 34.98 32.8640.46 32.08 29.99 50.51 42.17 40.09 38.25 29.82 27.72 44.77 36.35 34.2543.93 35.10 32.89 54.87 46.09 43.89 41.50 32.61 30.39 48.53 39.66 37.4548.05 38.68 36.34 59.96 50.67 48.34 45.37 35.93 33.58 52.98 43.58 41.2252.99 42.98 40.48 66.01 56.09 53.61 50.04 39.94 37.42 58.28 48.23 45.7259.03 48.23 45.53 73.36 62.69 60.01 55.75 44.84 42.12 64.79 53.95 51.25


Sagicor Life Inc LIFE PAID-UP AT 65

RIDER BENEFITS

Preferred/Standard


01234

56789

101112131415 2.58 3.87 1.25 0.11

16 2.65 3.98 1.25 0.1117 2.62 3.93 1.25 0.1118 2.67 4.01 1.25 0.1119 2.71 4.07 1.25 0.1120 2.74 4.11 1.25 0.11

21 2.76 4.14 1.25 0.1122 2.68 4.02 1.25 0.1123 2.69 4.04 1.25 0.1124 2.68 4.02 1.25 0.1125 2.67 4.01 1.25 0.11

26 2.65 3.98 1.25 0.1127 2.55 3.83 1.25 0.1128 2.52 3.78 1.25 0.1129 2.49 3.74 1.25 0.1130 2.45 3.68 1.25 0.11

31 2.48 3.72 1.28 0.1132 2.49 3.74 1.30 0.1133 2.45 3.68 1.33 0.1134 2.45 3.68 1.35 0.1235 2.49 3.74 1.38 0.12

36 2.53 3.80 1.42 0.1237 2.55 3.83 1.46 0.1338 2.61 3.92 1.50 0.1339 2.61 3.92 1.54 0.1340 2.64 3.96 1.58 0.14

41 2.66 3.99 1.65 0.1442 2.71 4.07 1.71 0.1543 2.74 4.11 1.78 0.1544 2.78 4.17 1.84 0.1645 2.87 4.31 1.91 0.16

46 2.96 4.44 2.03 0.1847 3.09 4.64 2.15 0.1948 3.24 4.86 2.27 0.2049 3.38 5.07 2.39 0.2150 3.47 5.21 2.51 0.22

51 3.54 5.31 2.51 0.2252 3.67 5.51 2.51 0.2253 3.88 5.82 2.51 0.2254 4.21 6.32 2.51 0.2255 5.88 8.82 2.51 0.22


andAccidental Death

Total Disability

July 1, 2006 2005 Series Page C. 2B 9

Sagicor Life Inc LIFE PAID UP AT 65 - PREFERREDCash Values and Paid-up Values

Per $1,000 of Sum Assured

AGE 0 1 2 3 4 5 6 7YEAR CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU

1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 04 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 05 0 0 0 0 0 0 0 0 0 0 1 10 2 17 2 24

6 2 19 3 31 3 39 4 48 5 56 6 63 7 70 8 767 6 73 8 85 9 93 10 101 11 109 12 116 13 122 14 1288 11 128 13 139 14 147 15 154 17 161 18 168 19 173 20 1789 17 183 18 194 20 201 21 208 23 214 24 219 26 224 27 226

10 23 239 25 249 26 255 28 261 29 266 31 271 32 273 33 274

11 29 296 31 304 33 309 35 314 36 318 38 321 39 321 40 32112 36 353 38 360 40 364 42 368 44 370 45 370 46 369 48 36813 40 380 43 387 45 391 46 394 48 395 50 394 51 393 52 39214 45 407 47 413 49 416 51 417 53 418 54 417 56 416 57 41515 49 432 52 437 54 439 55 440 57 439 59 439 61 438 62 438

16 54 455 56 459 58 460 60 461 62 461 64 461 66 461 68 46117 58 476 60 480 62 480 64 481 66 481 69 482 71 482 73 48318 62 496 65 499 67 500 69 501 71 502 74 503 76 503 79 50419 67 515 69 518 72 519 74 521 77 522 79 523 82 524 85 52620 71 533 74 537 77 538 79 540 82 541 85 543 88 545 92 546

AGE 60 478 973 478 972 477 971 476 970 476 968 475 967 475 966 474 964AGE 65 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000


1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 04 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 05 3 30 4 36 5 41 5 43 5 44 5 43 6 43 6 43

6 9 82 10 86 11 89 11 90 11 89 11 88 12 87 12 887 15 132 16 135 17 136 17 135 17 134 18 132 18 132 19 1338 21 180 22 181 23 181 23 179 24 178 24 177 25 176 26 1789 28 227 29 227 29 225 30 224 31 222 32 221 33 222 34 223

10 34 273 35 272 36 270 37 269 38 267 39 267 41 267 42 269

11 41 319 42 317 44 316 45 314 46 313 47 313 49 313 51 31512 49 366 50 364 52 362 53 361 55 360 56 359 58 360 61 36213 54 390 55 389 57 388 59 387 61 387 63 387 65 388 68 39014 59 414 61 413 63 413 65 413 67 413 69 414 72 415 75 41815 64 438 66 437 69 438 71 438 73 439 76 440 79 442 83 446

16 70 461 72 461 75 462 77 462 80 464 84 466 87 468 91 47217 76 483 78 484 81 485 84 487 88 488 91 491 95 494 99 49818 82 505 85 507 88 508 91 510 95 512 99 515 103 518 108 52319 88 527 92 529 95 531 99 533 103 536 107 539 112 542 117 54720 95 548 99 550 103 553 107 555 111 558 116 562 121 566 126 570

AGE 60 473 963 472 961 472 960 471 958 470 956 469 954 468 952 467 950AGE 65 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000



Per $1,000 of Sum AssuredAGE 16 17 18 19 20 21 22 23

YEAR CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 04 0 0 1 4 1 9 2 14 3 20 4 25 5 31 6 365 6 46 7 50 8 55 9 61 10 67 12 73 13 78 15 84

6 13 91 14 95 15 101 17 107 18 113 20 120 22 126 24 1327 20 136 21 141 23 147 25 153 27 160 29 166 31 173 33 1808 28 182 29 187 31 193 33 199 36 206 38 213 41 220 44 2279 36 227 38 232 40 238 42 245 45 252 48 259 51 266 54 273

10 44 273 47 278 49 284 52 291 55 298 59 305 62 312 66 319

11 53 319 56 324 59 331 63 337 66 344 70 351 74 358 78 36412 63 366 67 371 70 377 74 383 78 390 82 397 86 403 91 41013 71 395 74 400 78 407 82 413 87 420 91 427 96 434 101 44114 79 423 82 429 87 436 91 443 96 450 101 457 106 463 112 47115 87 451 91 457 96 464 100 471 106 478 111 485 117 492 123 500

16 95 477 100 484 105 491 110 498 116 505 122 513 128 520 134 52817 104 503 109 510 114 517 120 525 126 532 132 539 139 547 146 55418 113 529 118 535 124 542 130 550 137 558 144 565 151 573 158 58019 122 553 128 560 134 567 141 575 148 582 155 590 163 597 171 60520 132 576 138 583 145 591 152 598 159 606 167 614 175 621 184 629

AGE 60 466 948 465 946 464 944 463 941 461 939 460 937 459 934 458 931AGE 65 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000


1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 0 0 0 0 0 0 1 7 2 12 3 16 4 21 5 254 7 42 8 47 10 53 11 58 13 63 14 68 16 73 17 785 16 91 18 97 20 103 22 108 23 114 25 119 28 125 30 130

6 26 139 28 145 30 151 32 158 35 163 37 169 40 175 43 1817 36 186 38 193 41 199 44 206 47 212 50 218 53 224 57 2308 46 233 49 240 53 247 56 253 59 260 63 266 67 272 71 2799 58 280 61 287 65 293 69 300 73 306 77 313 81 319 86 326

10 69 326 73 332 78 339 82 346 86 352 91 359 96 365 101 372

11 82 371 86 378 91 384 96 391 101 398 106 404 112 411 118 41812 95 416 100 423 105 429 111 436 116 442 122 449 128 456 135 46313 106 448 112 454 117 461 123 468 129 475 136 482 143 489 150 49614 117 478 123 485 129 492 136 499 143 506 150 513 157 521 165 52815 129 507 135 514 142 521 149 529 156 536 164 544 172 551 180 559

16 141 535 148 542 155 550 163 557 170 565 179 573 187 581 196 58917 153 562 161 570 168 577 176 585 185 593 194 601 203 609 213 61818 166 588 174 596 182 604 191 611 200 620 209 628 219 637 230 64619 179 613 187 621 196 629 206 637 215 645 225 654 236 663 247 67320 192 637 201 645 211 653 221 662 231 670 242 679 253 689 265 699

AGE 60 456 928 454 925 453 921 451 918 449 914 447 909 445 905 442 900AGE 65 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000





6 46 187 49 193 52 198 56 204 59 211 63 217 67 223 72 2307 60 237 64 243 68 249 72 255 76 262 81 269 86 276 92 2848 75 285 79 292 84 298 89 305 94 312 100 320 106 328 112 3369 91 333 96 339 101 346 107 354 113 361 119 370 126 378 133 387

10 107 379 113 386 119 394 125 401 132 409 139 418 147 427 155 437

11 124 425 130 432 137 440 144 448 152 456 160 465 169 475 178 48612 142 470 149 477 156 485 164 493 173 502 182 512 192 522 202 53313 157 504 165 512 173 520 182 529 191 538 201 549 212 560 224 57214 173 536 182 545 191 554 200 563 210 573 221 584 233 597 246 61015 189 568 199 577 208 586 219 596 230 607 242 619 255 632 268 646

16 206 598 216 608 227 617 238 628 250 640 263 652 277 666 291 68117 223 627 234 637 245 648 258 659 270 671 284 685 299 699 315 71618 241 656 252 666 265 677 278 689 291 702 306 716 322 732 339 74919 259 683 271 694 284 705 298 718 313 732 328 747 345 763 364 78220 277 709 290 721 304 733 319 746 335 761 351 776 369 794 389 814

AGE 60 440 895 437 889 434 883 431 877 427 870 424 862 420 854 415 845AGE 65 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000


1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 1 5 3 8 4 12 5 15 6 19 8 23 10 273 19 63 21 68 23 73 25 78 28 83 30 88 33 94 37 1014 37 123 40 129 44 135 47 141 51 148 55 155 60 163 65 1725 57 181 61 188 65 195 70 203 75 211 81 220 87 230 94 242

6 77 238 82 245 87 254 93 263 100 273 107 283 116 296 125 3097 97 292 104 301 110 311 118 321 126 332 135 345 145 359 156 3758 119 345 126 355 134 366 143 377 153 390 163 405 175 421 188 4399 141 397 150 408 159 420 169 433 180 447 192 463 206 481 221 502

10 164 448 174 459 185 472 196 487 209 503 222 520 238 541 255 564

11 188 497 199 510 211 524 224 540 238 557 254 557 271 599 291 62412 213 546 225 560 239 575 253 592 269 617 286 632 305 656 328 68513 236 586 249 601 264 617 280 635 297 656 316 680 338 707 363 73814 259 624 274 640 290 658 307 678 326 701 348 727 372 757 399 79115 283 662 299 679 316 698 335 720 356 745 380 773 407 806 437 843

16 307 698 324 717 343 738 364 761 387 788 413 819 443 854 476 89617 332 733 351 753 371 776 394 802 419 831 448 864 480 903 516 94818 357 768 378 790 400 814 425 842 452 873 483 909 518 951 558 100019 384 802 406 825 430 852 457 881 486 915 520 955 558 1000 571 100020 411 836 434 861 460 889 489 921 521 958 558 1000 571 1000 584 1000

AGE 60 411 836 406 825 400 814 394 802 387 788 380 773 372 757 363 738AGE 65 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000





6 135 325 146 342 159 362 174 385 192 412 213 446 239 487 272 5387 168 393 182 414 198 438 217 465 238 498 265 539 297 588 337 6518 202 460 219 484 238 512 260 544 287 584 319 631 357 690 405 7639 238 526 257 553 280 585 306 623 337 668 374 723 420 791 477 875

10 275 590 297 621 323 658 354 701 390 752 433 815 486 892 552 1000

11 313 654 339 689 368 730 403 778 444 836 494 907 554 1000 567 100012 353 718 382 756 415 801 455 856 501 921 558 1000 571 1000 584 100013 391 775 423 817 461 868 505 928 558 1000 571 1000 584 1000 597 100014 431 831 467 878 508 934 558 1000 571 1000 584 1000 597 1000 609 100015 471 887 511 939 558 1000 571 1000 584 1000 597 1001 609 1000 622 1000

16 514 943 558 1000 571 1000 584 1000 597 1000 609 1000 622 1000 635 100017 558 1000 571 1000 584 1000 597 1000 609 1000 622 1000 635 1000 648 100018 571 1000 584 1000 597 1000 609 1000 622 1000 635 1000 648 1000 660 100019 584 1000 597 1000 609 1000 622 1000 635 1000 648 1000 660 1000 672 100020 597 1000 609 1000 622 1000 635 1000 648 1000 660 1000 672 1000 684 1000

AGE 60 353 718 339 689 323 658 306 623 287 584 265 539 239 487 209 425AGE 65 558 1000 558 1000 558 1000 558 1000 558 1000 558 1000 554 1000 552 1000


Sagicor Life Inc LIFE PAID UP AT 65 - STANDARDCash Values and Paid-up Values

Per $1,000 of Sum Assured


1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 0 0 0 0 0 0 0 0 1 5 2 10 3 14 4 184 6 33 7 38 8 42 9 45 11 54 12 57 14 64 15 665 14 75 15 78 17 86 19 93 21 99 23 105 25 110 27 115

6 23 120 25 126 27 132 29 137 32 146 34 150 37 158 40 1657 32 161 35 171 37 175 40 183 43 190 46 196 49 202 53 2118 42 205 45 212 48 219 52 230 55 235 59 243 63 251 66 2549 53 250 56 256 60 265 64 273 68 281 72 287 76 293 81 302

10 64 292 68 300 72 307 77 318 81 323 86 331 91 339 96 346

11 77 340 81 346 86 355 90 359 95 366 101 376 106 382 112 39012 89 380 94 388 99 395 105 405 110 410 116 418 122 425 128 43113 100 413 105 419 111 428 117 436 123 443 129 449 136 458 143 46514 111 443 117 451 123 458 129 464 136 473 143 481 150 488 157 49415 122 470 128 477 135 486 142 494 149 501 157 511 164 516 172 523

16 134 499 140 504 148 515 155 521 163 530 171 538 179 545 188 55417 146 526 153 532 161 542 169 550 177 557 186 566 195 574 204 58118 158 550 166 558 174 566 183 576 192 584 201 592 210 598 220 60719 171 575 179 582 188 591 197 599 207 609 216 616 226 624 237 63320 184 599 193 607 202 615 212 624 222 633 232 640 243 649 254 658

AGE 60 520 935 519 933 517 930 516 928 514 924 512 921 510 917 508 913AGE 65 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000


1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 2 10 3 14 4 18 5 22 6 26 7 29 9 36 10 394 12 57 14 64 15 66 17 73 19 78 21 84 23 89 25 935 23 105 25 110 27 115 29 120 32 128 34 131 37 138 40 144

6 34 150 37 158 40 165 42 168 45 173 49 183 52 187 55 1917 46 196 49 202 53 211 56 216 60 224 63 227 67 233 72 2428 59 243 63 251 66 254 70 261 75 270 79 275 84 283 88 2869 72 287 76 293 81 302 85 306 90 313 95 320 101 329 106 333

10 86 331 91 339 96 346 101 351 107 360 112 364 118 371 125 380

11 101 376 106 382 112 390 118 397 124 403 130 409 137 417 144 42412 116 418 122 425 128 431 135 439 142 447 149 453 156 459 164 46713 129 449 136 458 143 465 150 472 157 478 165 486 173 493 181 49914 143 481 150 488 157 494 165 502 173 509 181 516 190 524 199 53215 157 511 164 516 172 523 181 533 189 539 199 549 208 556 218 564

16 171 538 179 545 188 554 197 561 206 568 216 577 226 585 237 59517 186 566 195 574 204 581 213 588 223 596 234 606 245 615 256 62318 201 592 210 598 220 607 230 615 241 624 252 632 264 643 276 65219 216 616 226 624 237 633 248 642 259 650 271 660 283 668 296 67920 232 640 243 649 254 658 265 665 277 674 290 685 303 695 317 706

AGE 60 512 921 510 917 508 913 506 910 504 906 501 901 498 895 495 890AGE 65 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000





6 59 198 63 205 66 208 71 216 75 221 80 228 85 235 90 2407 76 247 80 252 85 259 90 265 95 271 101 279 107 286 113 2938 94 296 99 301 104 306 110 313 116 320 123 329 130 337 138 3469 112 341 118 347 124 353 131 361 138 369 146 378 154 387 163 397

10 131 386 138 393 145 400 153 409 161 417 169 424 179 436 188 444

11 151 430 159 439 167 446 175 453 184 462 194 472 204 482 215 49312 172 475 180 481 189 489 199 499 209 509 219 517 230 527 243 54113 190 508 199 515 209 525 219 533 230 543 242 555 255 568 268 58014 209 541 219 550 230 560 241 569 253 580 266 592 279 603 294 61815 228 572 239 582 251 593 263 603 276 614 290 627 304 639 320 655

16 248 604 260 614 272 624 285 634 299 647 314 660 330 675 347 69117 268 633 281 644 294 654 308 666 323 679 339 693 356 709 375 72718 289 663 302 672 316 683 331 696 347 710 364 725 383 743 403 76219 310 690 324 701 339 713 355 726 372 741 390 757 410 775 432 79620 331 716 346 728 362 741 379 755 397 770 417 788 438 807 461 829

AGE 60 492 885 489 879 485 872 481 865 476 856 472 849 467 840 461 829AGE 65 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000


1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 4 12 5 14 7 19 8 21 10 26 11 28 13 32 15 353 26 74 28 77 31 83 34 88 37 93 40 97 44 104 48 1104 49 135 52 139 56 145 60 151 65 158 70 165 76 174 82 1835 72 192 77 199 82 206 88 214 94 222 101 232 109 243 117 253

6 96 249 102 256 108 263 116 274 124 284 132 294 142 307 153 3227 120 301 128 312 136 321 145 332 154 343 165 357 177 372 190 3898 146 355 154 364 164 376 174 387 186 402 198 416 213 436 228 4549 172 406 182 417 193 430 205 443 218 458 233 477 249 496 268 520

10 199 456 211 470 223 482 237 498 252 516 268 534 287 557 308 582

11 227 505 240 519 254 534 269 550 286 570 305 592 326 616 350 64512 256 554 270 568 286 585 303 603 322 625 343 648 367 676 394 70813 283 595 298 610 315 627 334 648 355 671 379 699 406 730 437 76714 310 634 327 651 346 671 366 692 390 719 416 748 446 782 481 82415 337 671 356 691 377 713 400 737 426 766 455 798 488 836 527 882

16 366 710 386 730 409 754 434 780 463 812 495 848 532 891 574 94017 395 747 417 769 442 795 470 825 501 858 536 897 577 945 624 100018 425 783 449 807 476 835 506 867 540 904 579 948 624 1000 637 100019 455 818 482 846 511 875 544 911 581 951 624 1000 637 1000 650 100120 487 854 516 884 547 916 583 955 624 1000 637 1000 650 1001 662 1000

AGE 60 455 818 449 807 442 795 434 780 426 766 416 748 406 730 394 708AGE 65 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000 624 1000



Per $1,000 of Sum AssuredAGE 49 50 51 52 53 54 55

YEAR CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU1 0 0 0 0 0 0 0 0 0 0 0 0 0 02 18 41 20 45 23 50 26 55 30 61 34 68 40 783 53 118 59 128 64 135 71 145 79 157 89 173 102 1934 90 195 98 206 107 219 118 235 131 254 146 276 166 3065 127 267 138 282 151 301 166 322 184 348 206 380 233 419

6 166 340 180 358 196 380 215 406 239 441 267 480 303 5327 206 410 223 433 243 459 267 492 296 532 332 582 376 6448 246 477 267 505 292 538 321 577 356 625 399 684 453 7589 289 546 313 577 342 615 377 661 418 716 469 785 533 873

10 333 614 361 649 395 693 435 745 483 809 543 889 618 991

11 379 681 411 721 450 771 496 830 552 904 621 995 634 100012 426 747 463 793 507 849 560 917 624 1000 637 1000 650 100013 473 810 515 862 564 923 624 1000 637 1000 650 1000 662 100014 521 872 568 930 624 1000 637 1000 650 1000 662 1000 675 100015 571 935 624 1000 637 1000 650 1000 662 1000 675 1000 687 1000

16 624 1000 637 1000 650 1000 662 1000 675 1000 687 1000 700 100017 637 1000 650 1000 662 1000 675 1000 687 1000 700 1000 711 100018 650 1000 662 1000 675 1000 687 1000 700 1000 711 1000 723 100019 662 1000 675 1000 687 1000 700 1001 711 1000 723 1000 734 100020 675 1000 687 1000 700 1001 711 1000 723 1000 734 1000 746 1000

AGE 60 379 681 361 649 342 615 321 577 296 532 267 480 233 419AGE 65 624 1000 624 1000 624 1000 624 1000 624 1000 621 995 618 991


ENDOWMENTS

Sagicor Life Inc 15 Year Endowment


15 YEAR ENDOWMENT Plan Features The 15 Year Endowment is a non-participating endowment assurance plan with guaranteed cash values. The Sum Assured is level over the term of the policy and is paid on death or on survival to the end of the 15-year term, whichever is sooner. Face Amount Bands

Territory Band 1

(in local $)

Band 2 (in local $)

Band 3 (in local $)






Issue Ages Ages 0 to 20. Premiums Premiums may be paid annually, semi-annually, quarterly or monthly and such premiums are obtained from the annual premiums by multiplying by the following conversion factors:

Semi-Annual 0.51 Quarterly 0.26 Monthly 0.0875




• Total Disability Waiver of Premium • Accidental Death and Dismemberment • Payor’s Waiver

No Term or Life Protector II Riders are allowed. Commissions Commissions will be paid as earned. The following table sets out the existing commissions payable for each policy year.


1 35% 2 15%

Thereafter 3.5%

Reinsurance Limits The Retention of Sagicor Life for each Life Insured is the maximum amount of risk which the company can retain on its own account. All amounts in excess of this limit are ceded to the Reinsurance Company. Generally, the amount of cover which the Reinsurance Company will automatically accept is capped at ten (10) times the Retention of Sagicor. This automatic cover varies by Reinsurance Treaty and by Territory. The limits under the current treaties are set out below. Advisors should check with the Reinsurance and Underwriting departments before quoting on high volume cases.

Reinsurance Limits for Endowments (Sagicor Life) Issue Age / Automatic Cover


TT$ $4,000,000 $3,500,000 $2,000,000 US$ $1,000,000 $850,000 $500,000

Sagicor Life Inc 15 YEAR ENDOWMENTANNUAL PREMIUM RATES

PER $1,000 OF SUM ASSURED

Preferred/Standard

SAGICOR BARBADOS


Male Female

Age Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Male Female Yearly Monthly (% of basic premium) (per 1,000 Sum Assured)

Total Disability Accidental Death and

Dismemberment

0 51.95 49.16 48.37 51.89 49.10 48.30

1 51.95 49.16 48.37 51.89 49.10 48.30

2 51.95 49.16 48.37 51.89 49.10 48.30

3 51.95 49.16 48.37 51.89 49.10 48.30

4 51.95 49.16 48.37 51.89 49.10 48.30

5 51.95 49.16 48.37 51.89 49.10 48.30

6 51.95 49.16 48.37 51.89 49.10 48.30

7 51.95 49.16 48.37 51.89 49.10 48.30

8 51.95 49.16 48.37 51.89 49.10 48.30

9 51.95 49.16 48.37 51.89 49.10 48.30

10 51.95 49.16 48.37 51.89 49.10 48.30

11 51.95 49.16 48.37 51.89 49.10 48.30

12 51.95 49.16 48.37 51.89 49.10 48.30

13 51.95 49.16 48.37 51.89 49.10 48.30

14 51.95 49.16 48.37 51.89 49.10 48.30

15 51.95 49.16 48.37 51.89 49.10 48.30 1.06 1.59 1.25 0.11

16 51.95 49.16 48.37 51.89 49.10 48.30 1.04 1.57 1.25 0.11

17 51.95 49.16 48.37 51.89 49.10 48.30 1.03 1.54 1.25 0.11

18 51.95 49.16 48.37 51.89 49.10 48.30 1.01 1.52 1.25 0.11

19 51.95 49.16 48.37 51.89 49.10 48.30 1.00 1.49 1.25 0.11

20 51.95 49.16 48.37 51.89 49.10 48.30 0.98 1.46 1.25 0.11




Preferred/Standard

Age

0

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

SAGICOR TRINIDAD


Male Female

Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Male Female Yearly Monthly


Dismemberment

(% of basic premium) (per 1,000 Sum Assured)

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79

51.17 47.98 46.85 51.11 47.92 46.79 1.06 1.59 1.25 0.11

51.17 47.98 46.85 51.11 47.92 46.79 1.04 1.57 1.25 0.11

51.17 47.98 46.85 51.11 47.92 46.79 1.03 1.54 1.25 0.11

51.17 47.98 46.85 51.11 47.92 46.79 1.01 1.52 1.25 0.11

51.17 47.98 46.85 51.11 47.92 46.79 1.00 1.49 1.25 0.11

51.17 47.98 46.85 51.11 47.92 46.79 0.98 1.46 1.25 0.11




Preferred/Standard

Age

0

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20



Male Female

Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Male Female Yearly Monthly


Dismemberment

(% of basic premium) (per 1,000 Sum Assured)

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57

52.99 49.48 48.63 52.92 49.42 48.57 1.06 1.59 1.25 0.11

52.99 49.48 48.63 52.92 49.42 48.57 1.04 1.57 1.25 0.11

52.99 49.48 48.63 52.92 49.42 48.57 1.03 1.54 1.25 0.11

52.99 49.48 48.63 52.92 49.42 48.57 1.01 1.52 1.25 0.11

52.99 49.48 48.63 52.92 49.42 48.57 1.00 1.49 1.25 0.11

52.99 49.48 48.63 52.92 49.42 48.57 0.98 1.46 1.25 0.11


Sagicor Life Inc Preferred and Standard

Duration 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15Age

0 - 69 126 185 246 310 377 446 518 593 672 753 833 915 1,000 1 - 69 126 185 246 310 377 446 518 593 672 753 833 915 1,000 2 - 69 126 185 246 310 377 446 518 593 672 753 833 915 1,000 3 - 68 125 185 246 310 377 446 518 593 672 753 833 915 1,000 4 - 68 125 185 246 310 377 446 518 593 672 753 833 915 1,000 5 - 68 125 184 246 310 377 446 518 593 672 753 833 915 1,000 6 - 68 125 184 246 310 377 446 518 593 671 753 833 915 1,000 7 - 68 125 184 246 310 377 446 518 593 671 753 833 915 1,000 8 - 68 125 184 246 310 376 446 518 593 671 753 832 915 1,000 9 - 67 124 184 246 310 376 446 518 593 671 753 832 915 1,000 10 - 67 124 184 245 309 376 445 517 593 671 753 832 915 1,000 11 - 67 124 183 245 309 376 445 517 592 671 752 832 914 1,000 12 - 67 124 183 245 309 375 445 517 592 670 752 832 914 1,000 13 - 66 123 183 244 308 375 444 517 592 670 752 832 914 1,000 14 - 66 123 182 244 308 375 444 516 592 670 752 832 914 1,000 15 - 66 123 182 244 308 374 444 516 591 670 752 832 914 1,000 16 - 65 122 182 243 307 374 443 516 591 670 752 831 914 1,000 17 - 65 122 181 243 307 374 443 516 591 670 751 831 914 1,000 18 - 64 122 181 243 307 373 443 515 591 669 751 831 914 1,000 19 - 64 121 181 242 306 373 443 515 591 669 751 831 914 1,000 20 - 64 121 180 242 306 373 442 515 590 669 751 831 914 1,000

15 YEAR ENDOWMENTCASH VALUES PER $1,000 OF SUM ASSURED


Sagicor Life Inc Preferred and Standard

15 YEAR ENDOWMENTPAID-UP VALUES PER $1,000 OF SUM ASSURED

Duration 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15

Age0 - 107 190 269 346 422 496 567 636 704 771 835 892 947 1,000 1 - 107 190 269 346 422 496 567 636 704 771 835 892 947 1,000 2 - 107 190 269 346 422 496 567 636 704 771 835 892 947 1,000 3 - 106 188 269 346 422 496 567 636 704 771 835 891 947 1,000 4 - 106 188 269 346 422 496 567 636 704 771 835 891 947 1,000 5 - 106 188 268 346 422 496 567 636 704 771 835 891 947 1,000 6 - 106 188 268 346 422 496 567 636 704 770 835 891 947 1,000 7 - 106 188 268 346 422 496 567 636 704 770 835 891 947 1,000 8 - 106 188 268 346 422 494 567 636 704 770 835 891 947 1,000 9 - 104 187 268 346 422 494 567 636 704 770 835 891 947 1,000 10 - 104 187 268 345 420 494 565 635 704 770 835 891 947 1,000 11 - 104 187 266 345 420 494 565 635 703 770 834 891 946 1,000 12 - 104 187 266 345 420 493 565 635 703 769 834 891 946 1,000 13 - 103 185 266 343 419 493 564 635 703 769 834 891 946 1,000 14 - 103 185 265 343 419 493 564 634 703 769 834 891 946 1,000 15 - 103 185 265 343 419 492 564 634 701 769 834 891 946 1,000 16 - 101 183 265 342 417 491 563 634 701 769 834 890 946 1,000 17 - 101 183 263 342 417 491 563 634 701 769 832 890 946 1,000 18 - 100 183 263 342 417 490 563 632 701 767 832 890 946 1,000 19 - 99 182 263 340 416 490 563 632 701 767 832 890 946 1,000 20 - 99 182 262 340 416 490 561 632 700 767 832 890 946 1,000




20 YEAR ENDOWMENT Plan Features The 20 Year Endowment is a non-participating endowment assurance plan with guaranteed cash values. The Sum Assured is level over the term of the policy and is paid on death or on survival to the end of the 20-year term, whichever is sooner. Face Amount Bands

Territory Band 1

(in local $)

Band 2 (in local $)

Band 3 (in local $)






Issue Ages Ages 0 to 25 Premiums Premiums may be paid annually, semi-annually, quarterly or monthly and such premiums are obtained from the annual premiums by multiplying by the following conversion factors:






Term Riders may only be added if the Premium Paying Period of the rider expires on or before the date of expiration of the Premium Paying Period of the Base Plan. The available Term Rider is:

• 20 Year term (up to issue age 25) Life Protector II may not be added as a Rider.

Commissions Commissions will be paid as earned. The following table sets out the existing commissions payable for each policy year.


1 45% 2 20%

Thereafter 3.5%




TT$ $4,000,000 $3,500,000 $2,000,000 US$ $1,000,000 $850,000 $500,000



Preferred/Standard




0 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.991 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.992 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.993 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.994 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.995 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.996 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.997 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.998 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.999 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.99

10 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.9911 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.9912 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.9913 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.9914 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.9915 35.82 32.89 32.07 35.82 32.89 32.07 35.75 32.82 31.99 35.75 32.82 31.9916 36.12 33.18 32.35 36.28 33.34 32.51 35.49 32.57 31.74 35.56 32.63 31.8017 36.12 33.18 32.35 36.30 33.36 32.53 35.46 32.54 31.71 35.54 32.61 31.7818 36.10 33.17 32.34 36.31 33.37 32.54 35.44 32.51 31.69 35.52 32.59 31.7619 36.04 33.10 32.27 36.26 33.32 32.49 35.39 32.47 31.64 35.48 32.55 31.7320 35.98 33.05 32.22 36.22 33.28 32.45 35.37 32.44 31.61 35.47 32.54 31.7121 36.06 33.04 32.19 36.31 33.29 32.43 35.48 32.46 31.61 35.59 32.57 31.7222 36.12 33.02 32.14 36.39 33.29 32.40 35.57 32.48 31.60 35.70 32.61 31.7323 36.20 33.02 32.11 36.49 33.30 32.39 35.69 32.51 31.60 35.83 32.65 31.7424 36.30 33.03 32.10 36.62 33.34 32.41 35.81 32.55 31.62 35.97 32.71 31.7825 36.41 33.06 32.10 36.75 33.39 32.43 35.93 32.59 31.63 36.12 32.78 31.82




Preferred/Standard

Age0123456789

10111213141516171819202122232425



Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic35.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.56 32.28 31.12 35.56 32.28 31.12 35.49 32.20 31.05 35.49 32.20 31.0535.85 32.55 31.39 36.00 32.71 31.55 35.25 31.96 30.80 35.31 32.02 30.8635.85 32.55 31.39 36.02 32.73 31.57 35.22 31.93 30.78 35.29 32.00 30.8435.83 32.54 31.38 36.03 32.73 31.57 35.20 31.91 30.75 35.27 31.98 30.8335.77 32.48 31.32 35.99 32.69 31.53 35.15 31.86 30.71 35.23 31.95 30.7935.72 32.42 31.27 35.95 32.65 31.49 35.12 31.84 30.68 35.22 31.93 30.7835.79 32.42 31.21 36.03 32.66 31.45 35.22 31.87 30.66 35.33 31.97 30.7735.84 32.41 31.15 36.10 32.66 31.40 35.31 31.88 30.63 35.44 32.01 30.7535.91 32.41 31.10 36.19 32.68 31.37 35.42 31.92 30.62 35.55 32.06 30.7536.00 32.43 31.07 36.31 32.73 31.37 35.53 31.96 30.61 35.69 32.12 30.7636.10 32.46 31.05 36.43 32.78 31.37 35.64 32.00 30.60 35.83 32.19 30.78




Preferred/Standard

Age0123456789

10111213141516171819202122232425



Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic36.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2636.91 33.23 32.34 36.91 33.23 32.34 36.83 33.15 32.26 36.83 33.15 32.2637.20 33.52 32.62 37.36 33.68 32.79 36.58 32.90 32.01 36.64 32.96 32.0737.20 33.52 32.62 37.39 33.70 32.81 36.55 32.87 31.98 36.62 32.94 32.0537.19 33.50 32.61 37.39 33.70 32.81 36.52 32.85 31.96 36.60 32.93 32.0437.12 33.44 32.55 37.35 33.66 32.77 36.48 32.80 31.91 36.56 32.89 32.0037.07 33.38 32.49 37.31 33.62 32.73 36.45 32.77 31.88 36.55 32.87 31.9837.17 33.39 32.47 37.43 33.64 32.72 36.59 32.81 31.89 36.70 32.92 32.0037.27 33.38 32.43 37.54 33.64 32.70 36.72 32.83 31.89 36.85 32.96 32.0237.38 33.39 32.41 37.67 33.67 32.70 36.86 32.88 31.91 37.01 33.02 32.0537.51 33.41 32.41 37.83 33.72 32.72 37.02 32.93 31.93 37.18 33.09 32.0937.65 33.45 32.42 37.99 33.78 32.75 37.17 32.98 31.95 37.37 33.17 32.14


Sagicor Life Inc 20 YEAR ENDOWMENT

RIDER BENEFITS

Preferred


0123456789101112131415 1.33 1.99 1.18 0.1016 1.31 1.97 1.18 0.1017 1.16 1.74 1.25 0.1118 1.29 1.94 1.18 0.1019 1.14 1.71 1.21 0.1020 1.11 1.67 1.17 0.10

21 1.27 1.91 1.18 0.1022 1.09 1.63 1.13 0.1023 1.19 1.78 1.18 0.1024 1.06 1.59 1.09 0.0925 1.03 1.55 1.05 0.09

andAccidental Death

Total Disability Dismemberment(% of basic premium) (per 1000 Sum Assured)


Sagicor Life Inc 20 YEAR ENDOWMENT

RIDER BENEFITS

Standard


17 1.29 1.94 1.18 0.1018 1.27 1.91 1.18 0.1019 1.19 1.78 1.18 0.1020 1.16 1.74 1.25 0.11

21 1.14 1.71 1.21 0.1022 1.11 1.67 1.17 0.1023 1.09 1.63 1.13 0.1024 1.06 1.59 1.09 0.0925 1.03 1.55 1.05 0.09

Total Disability(% of basic premium)

Accidental Deathand

Dismemberment(per 1000 Sum Assured)


Sagicor Life Inc Preferred/Standard

Duration 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20Age

0 - 35 74 115 157 201 247 295 345 398 452 509 563 619 677 737 799 864 931 1,000 1 - 35 74 115 157 201 247 295 346 398 452 510 564 619 677 737 799 864 931 1,000 2 - 35 74 115 157 201 247 296 346 398 453 510 564 619 677 737 799 864 931 1,000 3 - 35 74 115 157 201 248 296 346 398 453 510 564 619 677 737 799 864 931 1,000 4 - 35 74 115 157 201 248 296 346 398 453 510 564 619 677 737 799 864 931 1,000 5 - 34 74 115 157 201 248 296 346 398 453 510 563 619 677 737 799 864 931 1,000 6 - 34 74 114 157 201 248 296 346 398 452 509 563 619 677 737 799 864 931 1,000 7 - 34 73 114 157 201 247 295 346 398 452 509 563 619 677 737 799 864 931 1,000 8 - 34 73 114 157 201 247 295 345 398 452 509 563 619 677 737 799 864 931 1,000 9 - 34 73 114 157 201 247 295 345 397 452 509 563 619 677 737 799 864 931 1,000 10 - 33 73 114 156 201 247 295 345 397 451 508 562 618 676 736 799 863 930 1,000 11 - 33 72 113 156 200 246 294 344 397 451 508 562 618 676 736 799 863 930 1,000 12 - 33 72 113 156 200 246 294 344 396 451 508 562 618 676 736 799 863 930 1,000 13 - 32 72 113 155 199 246 294 344 396 450 508 562 618 676 736 798 863 930 1,000 14 - 32 71 112 155 199 245 293 343 395 450 507 561 617 675 736 798 863 930 1,000 15 - 32 71 112 154 199 245 293 343 395 450 507 561 617 675 736 798 863 930 1,000 16 - 31 71 112 154 198 244 292 342 395 450 507 561 617 675 735 798 863 930 1,000 17 - 31 70 111 154 198 244 292 342 395 449 506 561 617 675 735 798 863 930 1,000 18 - 31 70 111 153 198 244 292 342 394 449 506 560 617 675 735 798 863 930 1,000 19 - 30 70 110 153 197 243 291 342 394 449 506 560 616 675 735 798 863 930 1,000 20 - 30 69 110 153 197 243 291 341 394 449 506 560 616 674 735 798 863 930 1,000 21 - 30 69 110 152 197 243 291 341 394 448 506 560 616 674 735 797 862 930 1,000 22 - 29 69 109 152 196 243 291 341 393 448 505 560 616 674 735 797 862 930 1,000 23 - 29 68 109 152 196 242 290 341 393 448 505 560 616 674 734 797 862 930 1,000 24 - 28 68 109 151 196 242 290 341 393 448 505 559 616 674 734 797 862 930 1,000 25 - 28 67 108 151 196 242 290 340 393 448 505 559 615 674 734 797 862 930 1,000

20 YEAR ENDOWMENTCASH VALUES PER $1,000 OF SUM ASSURED



20 YEAR ENDOWMENTPAID-UP VALUES PER $1,000 OF SUM ASSURED

Duration 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

Age0 - 64 132 198 262 324 385 444 502 560 615 669 715 760 804 845 886 925 964 1,000 1 - 64 132 198 262 324 385 444 504 560 615 671 717 760 804 845 886 925 964 1,000 2 - 64 132 198 262 324 385 446 504 560 616 670 717 760 804 845 886 925 964 1,000 3 - 64 132 198 262 324 386 446 504 560 616 670 717 760 804 845 886 925 964 1,000 4 - 64 132 198 261 324 386 446 504 560 616 670 717 760 804 845 886 925 964 1,000 5 - 64 132 198 261 324 386 445 503 560 616 670 715 760 804 845 886 925 964 1,000 6 - 63 132 196 261 324 386 445 503 560 615 669 715 760 804 845 886 925 964 1,000 7 - 63 130 196 261 323 384 444 503 560 615 669 715 760 804 845 886 925 964 1,000 8 - 63 130 196 261 323 384 444 502 560 614 669 715 760 804 845 886 925 964 1,000 9 - 63 130 196 261 323 384 444 502 558 614 669 715 760 804 845 886 925 964 1,000 10 - 61 130 196 259 323 384 444 502 558 613 668 714 759 802 844 886 924 963 1,000 11 - 61 128 194 259 322 383 442 500 558 613 668 714 759 802 844 886 924 963 1,000 12 - 61 128 194 259 322 383 442 500 557 613 668 714 759 802 844 886 924 963 1,000 13 - 59 128 194 258 320 382 442 500 557 612 668 714 759 802 844 885 924 963 1,000 14 - 59 126 192 258 320 381 441 499 555 612 666 713 758 801 844 885 924 963 1,000 15 - 58 126 192 256 320 381 440 499 555 612 666 713 758 801 844 885 924 963 1,000 16 - 58 126 192 256 318 379 439 497 555 612 666 713 758 801 843 885 924 963 1,000 17 - 57 125 191 256 318 379 439 497 555 610 665 713 758 801 843 885 924 963 1,000 18 - 56 124 191 254 318 379 439 497 554 610 665 711 757 801 843 885 924 963 1,000 19 - 56 123 189 254 316 378 437 497 554 610 665 711 756 801 843 885 924 963 1,000 20 - 55 123 189 254 316 377 437 495 554 610 665 711 756 800 843 884 924 963 1,000 21 - 54 122 189 252 316 377 437 495 553 609 665 711 756 800 843 883 923 963 1,000 22 - 53 122 185 252 315 377 437 495 552 608 663 711 756 800 843 883 923 963 1,000 23 - 53 121 187 252 315 376 435 495 552 608 663 711 756 800 842 883 923 963 1,000 24 - 51 120 187 251 314 376 435 495 552 608 663 709 756 799 842 883 923 963 1,000 25 - 51 119 185 250 314 375 435 493 552 608 663 709 754 799 842 883 923 963 1,000


Sagicor Life Inc Endowment to Age 60


ENDOWMENT TO AGE 60 Plan Features The Endowment to age 60 is a non-participating endowment assurance plan with guaranteed cash values. The Sum Assured is level over the term of the policy. The policy provides payment of the Sum Assured at the attainment of age 60 by the Life Assured or on the earlier death of the Life Assured during the term of the Policy. Face Amount Bands

Territory Band 1

(in local $)

Band 2 (in local $)

Band 3 (in local $)












Term Riders may only be added if the Premium Paying Period of the Rider expires on or before the date of expiration of the Premium Paying Period of the Base Plan. The available Term Rider is:

• 20 Year Term (up to issue age 40)

Life Protector II may not be added as a Rider. Commissions Commissions will be paid as earned. The following table sets out the existing commissions payable for each policy year and based on the Premium Payment Period (PPP).

Commissions for Endowments

PPP

1st Year 2nd Year 3rd Yr plus

10-15 35% 15% 3.5% 16 37% 15% 3.5% 17 39% 15% 3.5% 18 41% 15% 3.5% 19 43% 15% 3.5% 20 45% 20% 3.5% 21 47% 20% 3.5% 22 49% 20% 3.5% 23 51% 20% 3.5% 24 53% 20% 3.5%

25+ 55% 20% 3.5%






TT$ $4,000,000 $3,500,000 $2,000,000 US$ $1,000,000 $850,000 $500,000

Sagicor Life Inc ENDOWMENT TO AGE 60ANNUAL PREMIUM RATES


Preferred/Standard




0 8.44 5.35 4.49 8.45 5.37 4.50 8.29 5.21 4.34 8.30 5.22 4.351 8.53 5.44 4.58 8.54 5.46 4.60 8.38 5.29 4.43 8.39 5.30 4.442 8.67 5.58 4.72 8.69 5.60 4.74 8.50 5.42 4.56 8.52 5.44 4.573 8.84 5.76 4.90 8.86 5.78 4.92 8.67 5.59 4.73 8.69 5.61 4.744 9.05 5.97 5.11 9.08 6.00 5.13 8.87 5.79 4.93 8.89 5.80 4.945 9.26 6.18 5.32 9.29 6.21 5.34 9.06 5.98 5.12 9.08 6.00 5.146 9.50 6.42 5.56 9.54 6.45 5.59 9.28 6.20 5.33 9.30 6.22 5.367 9.77 6.68 5.82 9.80 6.72 5.86 9.50 6.42 5.56 9.53 6.45 5.598 10.02 6.94 6.08 10.06 6.98 6.12 9.72 6.64 5.78 9.75 6.67 5.819 10.32 7.24 6.38 10.37 7.29 6.42 9.98 6.90 6.04 10.01 6.93 6.07

10 10.63 7.55 6.68 10.68 7.60 6.74 10.24 7.16 6.30 10.28 7.20 6.3411 10.97 7.89 7.02 11.03 7.95 7.08 10.53 7.45 6.59 10.57 7.49 6.6312 11.32 8.24 7.37 11.39 8.30 7.44 10.82 7.74 6.88 10.87 7.79 6.9313 11.70 8.62 7.76 11.78 8.70 7.83 11.15 8.07 7.21 11.20 8.13 7.2614 12.09 9.01 8.14 12.18 9.09 8.23 11.48 8.40 7.54 11.54 8.46 7.6015 12.50 9.42 8.55 12.60 9.52 8.65 11.83 8.76 7.90 11.90 8.83 7.9716 12.89 9.80 8.94 13.18 10.09 9.23 12.16 9.09 8.23 12.31 9.23 8.3717 13.29 10.20 9.34 13.61 10.52 9.66 12.54 9.46 8.60 12.70 9.62 8.7618 13.68 10.59 9.73 14.02 10.94 10.07 12.92 9.85 8.98 13.10 10.02 9.1619 14.08 10.99 10.13 14.45 11.37 10.50 13.34 10.27 9.40 13.53 10.46 9.6020 14.50 11.42 10.55 14.89 11.81 10.95 13.79 10.72 9.86 14.00 10.93 10.0721 15.08 11.92 11.03 15.50 12.34 11.45 14.41 11.26 10.37 14.64 11.49 10.6022 15.69 12.45 11.54 16.14 12.90 11.98 15.06 11.82 10.91 15.32 12.08 11.1723 16.36 13.04 12.10 16.84 13.52 12.58 15.76 12.45 11.51 16.04 12.73 11.7924 17.07 13.67 12.70 17.58 14.18 13.21 16.49 13.10 12.14 16.80 13.41 12.4525 17.84 14.36 13.37 18.40 14.91 13.92 17.28 13.81 12.83 17.63 14.16 13.1726 18.68 15.12 14.10 19.28 15.71 14.69 18.14 14.58 13.57 18.53 14.97 13.9527 19.57 15.93 14.89 20.22 16.57 15.53 19.05 15.42 14.38 19.48 15.84 14.8028 20.47 16.75 15.68 21.18 17.44 16.37 19.96 16.24 15.18 20.44 16.71 15.6529 21.46 17.65 16.56 22.22 18.40 17.30 20.96 17.16 16.06 21.48 17.67 16.5730 22.50 18.61 17.49 23.32 19.41 18.29 22.01 18.12 17.00 22.58 18.69 17.5731 23.64 19.66 18.51 24.52 20.52 19.37 23.15 19.18 18.03 23.78 19.79 18.6532 24.86 20.80 19.62 25.81 21.72 20.54 24.38 20.33 19.15 25.07 21.00 19.8233 26.20 22.04 20.84 27.22 23.04 21.83 25.74 21.59 20.39 26.49 22.33 21.1234 27.63 23.38 22.15 28.72 24.45 23.21 27.19 22.95 21.72 28.01 23.75 22.5235 29.23 24.89 23.63 30.40 26.04 24.77 28.80 24.47 23.21 29.70 25.35 24.0836 30.72 26.33 25.05 31.97 27.55 26.26 30.31 25.93 24.65 31.28 26.87 25.5937 32.36 27.92 26.62 33.69 29.22 27.91 31.96 27.53 26.23 33.00 28.54 27.2438 34.19 29.69 28.38 35.62 31.09 29.76 33.80 29.31 27.99 34.91 30.40 29.0739 36.22 31.67 30.33 37.75 33.16 31.81 35.82 31.27 29.94 37.01 32.44 31.1040 38.52 33.90 32.54 40.16 35.51 34.14 38.11 33.50 32.15 39.37 34.74 33.3741 40.77 36.14 34.78 42.52 37.85 36.47 40.36 35.74 34.37 41.68 37.03 35.6542 43.72 39.02 37.63 45.59 40.84 39.44 43.28 38.59 37.20 44.68 39.95 38.5543 47.06 42.28 40.86 49.05 44.22 42.79 46.61 41.83 40.42 48.06 43.26 41.8344 50.92 46.05 44.60 53.04 48.12 46.65 50.45 45.59 44.15 51.97 47.07 45.6245 55.33 50.36 48.87 57.56 52.54 51.04 54.84 49.88 48.40 56.41 51.42 49.9346 60.99 55.85 54.31 63.37 58.17 56.62 60.48 55.35 53.81 62.12 56.95 55.4147 67.75 62.42 60.82 70.29 64.89 63.27 67.22 61.89 60.30 68.93 63.57 61.9648 75.77 70.21 68.54 78.46 72.83 71.14 75.22 69.67 68.01 77.00 71.41 69.7349 85.54 79.71 77.96 88.38 82.48 80.70 84.97 79.16 77.41 86.82 80.96 79.2050 97.56 91.42 89.56 100.55 94.32 92.45 96.98 90.85 89.00 98.88 92.70 90.84

July 1, 2006 2005 Series Page C.3C.4



Preferred/Standard

Age0123456789

1011121314151617181920212223242526272829303132333435363738394041424344454647484950




9.18 5.78 4.60 9.19 5.80 4.62 9.04 5.64 4.46 9.05 5.65 4.479.26 5.87 4.69 9.28 5.89 4.70 9.12 5.72 4.54 9.13 5.74 4.559.40 6.00 4.82 9.42 6.02 4.84 9.24 5.85 4.67 9.25 5.86 4.689.57 6.17 4.99 9.59 6.20 5.01 9.40 6.01 4.83 9.41 6.02 4.849.77 6.38 5.20 9.79 6.40 5.22 9.59 6.20 5.02 9.61 6.22 5.049.97 6.58 5.40 9.99 6.60 5.42 9.77 6.38 5.20 9.79 6.40 5.22

10.20 6.81 5.63 10.23 6.84 5.66 9.98 6.59 5.41 10.00 6.61 5.4310.45 7.06 5.88 10.49 7.10 5.91 10.20 6.81 5.63 10.22 6.83 5.6510.70 7.31 6.13 10.74 7.35 6.17 10.41 7.02 5.84 10.44 7.05 5.8710.99 7.60 6.41 11.03 7.64 6.46 10.66 7.27 6.09 10.69 7.30 6.1211.28 7.89 6.71 11.33 7.94 6.76 10.91 7.52 6.34 10.95 7.56 6.3811.61 8.22 7.04 11.67 8.28 7.09 11.19 7.80 6.62 11.23 7.84 6.6611.95 8.55 7.37 12.01 8.62 7.43 11.47 8.08 6.90 11.51 8.13 6.9512.32 8.92 7.74 12.39 9.00 7.81 11.78 8.40 7.21 11.84 8.45 7.2712.69 9.29 8.11 12.77 9.38 8.19 12.10 8.71 7.53 12.16 8.77 7.5913.08 9.69 8.50 13.18 9.78 8.60 12.44 9.05 7.87 12.51 9.12 7.9413.46 10.06 8.88 13.74 10.34 9.15 12.76 9.37 8.19 12.90 9.51 8.3313.84 10.45 9.26 14.15 10.75 9.57 13.12 9.73 8.55 13.28 9.89 8.7114.22 10.82 9.64 14.55 11.15 9.97 13.49 10.10 8.92 13.66 10.27 9.0914.60 11.20 10.02 14.96 11.56 10.38 13.89 10.50 9.32 14.08 10.69 9.5115.00 11.61 10.43 15.39 11.99 10.80 14.32 10.94 9.76 14.53 11.14 9.9615.56 12.10 10.87 15.97 12.50 11.27 14.91 11.46 10.23 15.14 11.68 10.4516.14 12.61 11.33 16.58 13.04 11.76 15.53 12.01 10.73 15.78 12.26 10.9816.78 13.19 11.86 17.24 13.64 12.31 16.20 12.62 11.29 16.48 12.89 11.5617.46 13.79 12.42 17.96 14.29 12.91 16.90 13.25 11.87 17.20 13.54 12.1718.20 14.46 13.04 18.73 14.99 13.57 17.66 13.94 12.51 18.00 14.27 12.8518.99 15.19 13.72 19.58 15.77 14.29 18.47 14.68 13.21 18.85 15.05 13.5819.85 15.98 14.46 20.48 16.60 15.07 19.35 15.49 13.97 19.76 15.90 14.3720.71 16.77 15.20 21.39 17.44 15.86 20.22 16.29 14.72 20.68 16.74 15.1621.66 17.65 16.02 22.39 18.36 16.73 21.17 17.17 15.55 21.67 17.66 16.0422.66 18.57 16.90 23.44 19.35 17.66 22.18 18.10 16.43 22.73 18.65 16.9723.75 19.59 17.86 24.59 20.42 18.68 23.27 19.12 17.40 23.88 19.72 17.9924.92 20.68 18.90 25.83 21.58 19.79 24.45 20.23 18.45 25.12 20.88 19.1026.20 21.89 20.05 27.18 22.85 21.00 25.75 21.45 19.62 26.48 22.16 20.3227.57 23.18 21.29 28.62 24.21 22.31 27.14 22.76 20.88 27.93 23.53 21.6429.10 24.63 22.69 30.23 25.74 23.78 28.69 24.23 22.29 29.55 25.07 23.1230.54 26.03 24.04 31.74 27.20 25.20 30.14 25.64 23.66 31.07 26.55 24.5632.11 27.56 25.53 33.40 28.82 26.77 31.73 27.18 25.16 32.73 28.16 26.1233.88 29.28 27.21 35.26 30.62 28.54 33.50 28.91 26.84 34.57 29.95 27.8735.84 31.18 29.07 37.31 32.63 30.49 35.45 30.81 28.69 36.60 31.93 29.8038.05 33.34 31.18 39.64 34.90 32.71 37.66 32.96 30.80 38.88 34.15 31.9840.24 35.52 33.33 41.92 37.17 34.95 39.84 35.13 32.94 41.11 36.37 34.1743.08 38.30 36.05 44.88 40.06 37.79 42.66 37.89 35.65 44.01 39.20 36.9446.31 41.45 39.15 48.23 43.33 41.00 45.87 41.03 38.73 47.28 42.40 40.0850.04 45.10 42.74 52.08 47.10 44.70 49.58 44.66 42.30 51.05 46.09 43.7154.29 49.27 46.83 56.45 51.37 48.91 53.82 48.80 46.37 55.34 50.29 47.8459.74 54.56 52.03 62.04 56.81 54.24 59.25 54.08 51.55 60.84 55.63 53.0866.26 60.90 58.25 68.70 63.28 60.60 65.74 60.40 57.75 67.40 62.01 59.3573.98 68.41 65.64 76.57 70.94 68.13 73.45 67.90 65.13 75.17 69.57 66.7883.39 77.57 74.64 86.12 80.24 77.27 82.84 77.04 74.12 84.62 78.77 75.8394.96 88.85 85.74 97.83 91.65 88.50 94.39 88.30 85.20 96.23 90.09 86.96




Preferred/Standard

Age0123456789

1011121314151617181920212223242526272829303132333435363738394041424344454647484950




9.57 5.70 4.77 9.59 5.72 4.79 9.42 5.55 4.62 9.43 5.56 4.639.66 5.79 4.86 9.68 5.81 4.88 9.51 5.64 4.71 9.52 5.65 4.729.80 5.93 5.00 9.82 5.95 5.02 9.64 5.77 4.84 9.65 5.78 4.859.98 6.11 5.18 10.00 6.13 5.20 9.80 5.94 5.01 9.82 5.95 5.02

10.19 6.32 5.39 10.21 6.34 5.41 10.00 6.13 5.21 10.02 6.15 5.2210.39 6.53 5.60 10.42 6.55 5.63 10.19 6.33 5.40 10.21 6.34 5.4210.64 6.77 5.84 10.67 6.80 5.87 10.41 6.54 5.61 10.43 6.56 5.6410.90 7.03 6.10 10.93 7.07 6.14 10.63 6.77 5.84 10.66 6.79 5.8711.16 7.29 6.36 11.20 7.33 6.40 10.85 6.99 6.06 10.88 7.02 6.0911.45 7.59 6.66 11.50 7.63 6.70 11.11 7.25 6.32 11.14 7.28 6.3511.76 7.89 6.97 11.81 7.95 7.02 11.37 7.51 6.58 11.41 7.55 6.6212.10 8.24 7.31 12.16 8.29 7.36 11.66 7.80 6.87 11.70 7.84 6.9112.45 8.58 7.65 12.52 8.65 7.72 11.95 8.09 7.16 12.00 8.14 7.2112.84 8.97 8.04 12.91 9.04 8.12 12.28 8.42 7.49 12.33 8.47 7.5413.22 9.35 8.42 13.31 9.44 8.51 12.61 8.75 7.82 12.67 8.81 7.8813.63 9.76 8.83 13.73 9.86 8.93 12.96 9.10 8.18 13.03 9.17 8.2514.02 10.15 9.22 14.31 10.44 9.51 13.29 9.43 8.51 13.44 9.58 8.6514.42 10.55 9.62 14.74 10.87 9.94 13.67 9.81 8.88 13.83 9.97 9.0414.81 10.94 10.01 15.16 11.29 10.36 14.05 10.19 9.27 14.23 10.37 9.4415.21 11.34 10.41 15.58 11.71 10.78 14.47 10.61 9.69 14.66 10.81 9.8815.63 11.76 10.83 16.03 12.16 11.23 14.92 11.06 10.14 15.13 11.28 10.3516.24 12.28 11.32 16.67 12.70 11.74 15.57 11.61 10.66 15.80 11.85 10.8916.88 12.82 11.84 17.34 13.27 12.28 16.24 12.19 11.21 16.51 12.45 11.4717.58 13.42 12.41 18.06 13.90 12.89 16.98 12.83 11.82 17.26 13.11 12.1018.32 14.06 13.02 18.84 14.57 13.53 17.74 13.49 12.46 18.06 13.80 12.7719.12 14.76 13.70 19.68 15.31 14.25 18.56 14.21 13.15 18.92 14.56 13.5019.99 15.53 14.44 20.60 16.12 15.03 19.45 14.99 13.91 19.84 15.38 14.2920.92 16.35 15.24 21.57 17.00 15.88 20.39 15.84 14.73 20.83 16.26 15.1521.85 17.18 16.04 22.56 17.87 16.73 21.33 16.68 15.54 21.81 17.15 16.0022.87 18.10 16.93 23.63 18.84 17.67 22.36 17.60 16.43 22.89 18.11 16.9423.94 19.07 17.87 24.77 19.87 18.67 23.44 18.58 17.38 24.02 19.14 17.9525.11 20.13 18.90 26.00 20.99 19.76 24.62 19.65 18.42 25.25 20.26 19.0426.37 21.27 20.02 27.32 22.20 20.94 25.89 20.80 19.55 26.58 21.48 20.2227.74 22.53 21.25 28.76 23.53 22.24 27.28 22.08 20.80 28.03 22.82 21.5329.21 23.89 22.57 30.30 24.96 23.64 28.76 23.45 22.14 29.58 24.25 22.9430.84 25.40 24.06 32.02 26.55 25.20 30.41 24.98 23.64 31.31 25.86 24.5232.35 26.85 25.49 33.61 28.08 26.71 31.94 26.45 25.09 32.91 27.40 26.0334.01 28.45 27.07 35.35 29.75 28.36 33.61 28.05 26.68 34.65 29.07 27.6935.86 30.23 28.83 37.30 31.63 30.22 35.47 29.84 28.45 36.59 30.94 29.5337.92 32.21 30.79 39.46 33.71 32.28 37.51 31.82 30.40 38.71 32.99 31.5640.24 34.46 33.01 41.90 36.07 34.62 39.83 34.06 32.62 41.10 35.30 33.8542.50 36.70 35.25 44.26 38.42 36.95 42.08 36.30 34.85 43.41 37.59 36.1345.48 39.59 38.11 47.36 41.42 39.93 45.04 39.16 37.69 46.44 40.53 39.0448.85 42.86 41.36 50.85 44.81 43.29 48.39 42.42 40.92 49.86 43.85 42.3352.74 46.65 45.11 54.88 48.72 47.17 52.27 46.19 44.66 53.80 47.67 46.1357.19 50.97 49.40 59.44 53.16 51.57 56.69 50.48 48.92 58.28 52.03 50.4562.91 56.48 54.85 65.32 58.81 57.17 62.40 55.98 54.36 64.05 57.59 55.9569.75 63.07 61.38 72.31 65.55 63.85 69.21 62.55 60.86 70.94 64.23 62.5377.85 70.90 69.13 80.57 73.53 71.74 77.30 70.36 68.60 79.09 72.10 70.3387.72 80.44 78.59 90.59 83.21 81.34 87.15 79.88 78.04 89.01 81.69 79.8299.87 92.18 90.23 102.88 95.10 93.12 99.28 91.61 89.66 101.20 93.47 91.51


Sagicor Life Inc ENDOWMENT TO AGE 60

RIDER BENEFITS

Preferred/Standard


01234

56789

101112131415 2.41 3.61 1.25 0.11

16 2.39 3.58 1.25 0.1117 2.35 3.53 1.25 0.1118 2.22 3.33 1.25 0.1119 2.17 3.26 1.25 0.1120 2.12 3.18 1.25 0.11

21 2.15 3.22 1.25 0.1122 2.16 3.25 1.25 0.1123 2.09 3.14 1.25 0.1124 2.10 3.15 1.25 0.1125 2.10 3.14 1.25 0.11

26 2.09 3.13 1.25 0.1127 2.07 3.11 1.25 0.1128 1.99 2.98 1.25 0.1129 1.97 2.95 1.25 0.1130 1.94 2.91 1.25 0.11

31 1.91 2.87 1.28 0.1132 1.83 2.74 1.30 0.1133 1.80 2.70 1.33 0.1134 1.76 2.64 1.35 0.1235 1.72 2.58 1.38 0.12

36 1.72 2.59 1.42 0.1237 1.72 2.58 1.46 0.1338 1.75 2.63 1.50 0.1339 1.73 2.60 1.54 0.1340 1.74 2.60 1.58 0.14

41 1.73 2.60 1.65 0.1442 1.76 2.64 1.71 0.1543 1.77 2.66 1.78 0.1544 1.77 2.65 1.84 0.1645 1.76 2.64 1.91 0.16

46 1.76 2.64 2.03 0.1847 1.75 2.62 2.15 0.1948 1.76 2.64 2.27 0.2049 1.78 2.67 2.39 0.2150 1.81 2.72 2.51 0.22


andAccidental Death



ENDOWMENT TO AGE 60CASH VALUES PER $1,000 SUM ASSURED

Duration 5 10 15 20 25 30 35 40 45 50 55 60Age

0 7 49 95 143 200 266 344 435 542 668 816 1,000 1 8 52 100 149 208 276 357 453 564 694 849 - 2 9 55 104 155 216 288 372 471 586 721 883 - 3 11 58 108 161 225 299 387 489 609 749 920 - 4 12 61 113 168 234 312 403 509 633 779 959 - 5 13 64 117 175 244 324 419 529 658 811 1,000 - 6 15 66 122 182 254 337 436 550 684 844 - - 7 16 69 127 189 264 351 453 572 712 880 - - 8 17 72 132 197 275 366 472 595 741 917 - - 9 19 76 138 205 287 381 491 619 771 957 - -

10 20 79 143 214 299 397 511 645 804 1,000 - - 11 22 82 149 223 311 413 532 672 838 - - - 12 23 86 156 232 324 431 554 700 875 - - - 13 25 90 162 243 338 449 578 730 914 - - - 14 26 94 170 253 353 468 602 761 955 - - - 15 28 98 177 265 368 488 628 795 1,000 - - - 16 30 103 185 276 385 509 655 830 - - - - 17 32 108 194 289 402 532 684 868 - - - - 18 34 113 203 303 420 555 715 909 - - - - 19 36 119 213 317 439 580 748 953 - - - - 20 39 125 223 331 459 607 783 1,000 - - - - 21 42 132 234 347 480 635 820 - - - - - 22 45 139 245 364 502 665 860 - - - - - 23 48 146 257 381 526 696 903 - - - - - 24 51 154 270 400 551 731 950 - - - - - 25 55 162 284 419 578 767 1,000 - - - - - 26 59 171 298 440 607 806 - - - - - - 27 63 180 313 463 638 849 - - - - - - 28 66 190 330 486 671 895 - - - - - - 29 70 200 347 512 707 945 - - - - - - 30 74 211 366 539 746 1,000 - - - - - - 31 79 223 386 569 788 - - - - - - - 32 84 236 407 601 833 - - - - - - - 33 90 250 431 635 884 - - - - - - - 34 96 265 456 673 939 - - - - - - - 35 102 281 483 715 1,000 - - - - - - - 36 109 298 513 760 - - - - - - - - 37 117 317 546 810 - - - - - - - - 38 126 339 582 866 - - - - - - - - 39 136 362 622 929 - - - - - - - - 40 146 388 667 1,000 - - - - - - - - 41 159 417 717 - - - - - - - - - 42 174 450 774 - - - - - - - - - 43 190 488 839 - - - - - - - - - 44 209 530 914 - - - - - - - - - 45 230 579 1,000 - - - - - - - - - 46 255 635 - - - - - - - - - - 47 284 702 - - - - - - - - - - 48 317 780 - - - - - - - - - - 49 358 875 - - - - - - - - - - 50 407 1,000 - - - - - - - - - -



ENDOWMENT TO AGE 60PAID-UP VALUES PER $1,000 OF SUM ASSURED

Duration 5 10 15 20 25 30 35 40 45 50 55

Age0 37 234 390 503 606 691 764 825 879 926 964 1 44 241 396 509 611 695 768 833 886 932 971 2 49 246 401 514 616 703 776 839 892 938 977 3 54 251 406 519 622 707 782 844 899 944 985 4 58 256 411 525 627 715 789 851 905 951 993 5 62 262 413 530 634 719 795 858 912 958 1,000 6 69 262 417 535 639 725 801 864 918 965 - 7 72 266 422 539 644 732 807 871 926 974 - 8 74 270 425 544 650 739 815 878 934 982 - 9 80 276 431 549 658 746 821 885 941 990 -

10 82 279 433 556 664 753 828 894 950 1,000 - 11 87 281 438 561 669 759 836 902 959 - - 12 89 286 445 566 675 768 844 911 968 - - 13 94 290 448 575 683 775 853 920 979 - - 14 94 294 455 580 691 783 861 929 988 - - 15 99 297 460 588 698 791 870 939 1,000 - - 16 103 303 466 594 708 800 879 949 - - - 17 106 308 473 603 716 810 890 961 - - - 18 110 312 480 612 725 819 901 973 - - - 19 112 319 488 620 734 829 913 986 - - - 20 118 325 495 628 744 841 925 1,000 - - - 21 123 332 503 638 754 853 938 - - - - 22 128 339 511 648 764 865 952 - - - - 23 133 345 519 658 776 877 967 - - - - 24 137 353 529 669 788 892 983 - - - - 25 143 360 539 679 801 906 1,000 - - - - 26 149 368 548 691 815 922 - - - - - 27 154 375 558 705 830 940 - - - - - 28 156 384 570 717 846 958 - - - - - 29 160 391 580 732 863 978 - - - - - 30 164 400 593 747 882 1,000 - - - - - 31 170 410 606 764 901 - - - - - - 32 175 420 620 782 922 - - - - - - 33 182 432 636 800 946 - - - - - - 34 188 443 652 821 972 - - - - - - 35 193 456 669 845 1,000 - - - - - - 36 200 468 689 869 - - - - - - - 37 208 483 710 897 - - - - - - - 38 217 500 733 927 - - - - - - - 39 228 518 759 962 - - - - - - - 40 237 538 788 1,000 - - - - - - - 41 250 560 820 - - - - - - - - 42 265 585 857 - - - - - - - - 43 280 615 898 - - - - - - - - 44 299 647 946 - - - - - - - - 45 319 684 1,000 - - - - - - - - 46 342 726 - - - - - - - - - 47 369 777 - - - - - - - - - 48 399 835 - - - - - - - - - 49 437 906 - - - - - - - - - 50 481 1,000 - - - - - - - - -




ENDOWMENT TO AGE 65 Plan Features The Endowment to age 65 is a non-participating endowment assurance plan with guaranteed cash values. The Sum Assured is level over the term of the policy. The policy provides payment of the Sum Assured at the attainment of age 65 by the Life Assured or on the earlier death of the Life Assured during the term of the Policy. Face Amount Bands

Territory Band 1

(in local $)

Band 2 (in local $)

Band 3 (in local $)












Term Riders may only be added if the Premium Paying Period of the Rider expires on or before the date of expiration of the Premium Paying Period of the Base Plan. The available Term Riders are:

• 20 Year Term (up to issue age 45) and Term to 65.

Life Protector II may not be added as a Rider.

Commissions Commissions will be paid as earned. The following table sets out the existing commissions payable for each policy year and based on the Premium Payment Period (PPP).

Commissions for Endowments

PPP

1st Year 2nd Year 3rd Yr plus

10-15 35% 15% 3.5% 16 37% 15% 3.5% 17 39% 15% 3.5% 18 41% 15% 3.5% 19 43% 15% 3.5% 20 45% 20% 3.5% 21 47% 20% 3.5% 22 49% 20% 3.5% 23 51% 20% 3.5% 24 53% 20% 3.5%

25+ 55% 20% 3.5%






TT$ $4,000,000 $3,500,000 $2,000,000 US$ $1,000,000 $850,000 $500,000

Sagicor Life Inc. ENDOWMENT TO AGE 65ANNUAL PREMIUM RATESPER $1,000 SUM ASSURED

Preferred/Standard




0 7.99 4.90 4.04 8.00 4.92 4.05 7.84 4.75 3.89 7.85 4.76 3.901 8.04 4.96 4.09 8.06 4.98 4.11 7.89 4.80 3.94 7.90 4.82 3.952 8.16 5.07 4.21 8.18 5.10 4.23 7.99 4.91 4.04 8.01 4.92 4.063 8.29 5.21 4.35 8.32 5.24 4.37 8.12 5.03 4.17 8.14 5.05 4.194 8.47 5.38 4.52 8.50 5.41 4.55 8.28 5.20 4.33 8.30 5.22 4.355 8.65 5.57 4.71 8.69 5.60 4.74 8.45 5.37 4.50 8.47 5.39 4.536 8.84 5.76 4.90 8.88 5.80 4.94 8.61 5.53 4.67 8.64 5.56 4.697 9.06 5.97 5.11 9.10 6.02 5.15 8.79 5.71 4.85 8.82 5.74 4.888 9.28 6.20 5.34 9.33 6.25 5.39 8.98 5.89 5.03 9.01 5.93 5.079 9.54 6.45 5.59 9.59 6.51 5.65 9.19 6.11 5.24 9.23 6.15 5.28

10 9.80 6.71 5.85 9.86 6.78 5.91 9.40 6.32 5.46 9.45 6.37 5.5011 10.07 6.98 6.12 10.14 7.05 6.19 9.62 6.54 5.68 9.67 6.59 5.7312 10.36 7.27 6.41 10.44 7.35 6.49 9.85 6.77 5.91 9.91 6.83 5.9713 10.67 7.59 6.72 10.77 7.68 6.82 10.11 7.03 6.17 10.17 7.09 6.2314 10.99 7.90 7.04 11.10 8.01 7.14 10.37 7.29 6.42 10.44 7.36 6.5015 11.33 8.24 7.38 11.45 8.36 7.50 10.65 7.57 6.71 10.74 7.66 6.7916 11.62 8.54 7.67 11.94 8.85 7.98 10.89 7.81 6.95 11.05 7.97 7.1117 11.93 8.84 7.98 12.28 9.19 8.32 11.17 8.09 7.23 11.35 8.27 7.4118 12.22 9.14 8.27 12.60 9.51 8.65 11.46 8.38 7.52 11.65 8.58 7.7119 12.53 9.45 8.58 12.94 9.85 8.99 11.78 8.70 7.84 12.00 8.92 8.0620 12.83 9.75 8.89 13.27 10.18 9.32 12.11 9.04 8.18 12.35 9.27 8.4121 13.28 10.12 9.23 13.75 10.58 9.69 12.60 9.44 8.56 12.86 9.70 8.8222 13.75 10.51 9.59 14.25 11.00 10.09 13.10 9.86 8.95 13.39 10.15 9.2423 14.25 10.93 10.00 14.79 11.46 10.52 13.64 10.33 9.39 13.96 10.64 9.7024 14.81 11.41 10.45 15.39 11.98 11.02 14.22 10.82 9.86 14.57 11.17 10.2125 15.39 11.91 10.92 16.02 12.53 11.54 14.82 11.34 10.36 15.21 11.73 10.7426 16.01 12.45 11.44 16.69 13.12 12.11 15.45 11.90 10.89 15.89 12.33 11.3227 16.68 13.04 12.00 17.42 13.77 12.72 16.13 12.50 11.46 16.62 12.98 11.9428 17.37 13.65 12.58 18.17 14.44 13.37 16.83 13.12 12.05 17.36 13.64 12.5829 18.09 14.29 13.20 18.96 15.14 14.04 17.56 13.76 12.67 18.15 14.34 13.2530 18.88 15.00 13.88 19.82 15.92 14.80 18.35 14.48 13.36 19.00 15.12 14.0031 19.69 15.72 14.58 20.71 16.72 15.58 19.17 15.21 14.07 19.88 15.91 14.7632 20.57 16.52 15.35 21.67 17.60 16.42 20.05 16.01 14.84 20.83 16.78 15.6033 21.45 17.31 16.12 22.64 18.48 17.28 20.95 16.82 15.63 21.80 17.66 16.4634 22.41 18.19 16.96 23.69 19.45 18.22 21.92 17.71 16.48 22.85 18.62 17.3935 23.45 19.14 17.89 24.84 20.51 19.25 22.97 18.67 17.43 23.99 19.68 18.4236 24.60 20.20 18.92 26.11 21.68 20.39 24.12 19.74 18.46 25.24 20.83 19.5537 25.83 21.35 20.04 27.47 22.95 21.63 25.36 20.89 19.58 26.57 22.07 20.7638 27.20 22.62 21.28 28.98 24.36 23.01 26.72 22.15 20.81 28.03 23.44 22.0939 28.66 23.99 22.62 30.60 25.88 24.50 28.16 23.50 22.13 29.59 24.90 23.5240 30.28 25.51 24.11 32.40 27.58 26.17 29.76 25.00 23.60 31.29 26.50 25.0941 31.82 27.00 25.58 34.12 29.24 27.81 31.27 26.47 25.05 32.91 28.06 26.6442 33.48 28.60 27.17 35.96 31.02 29.57 32.90 28.04 26.61 34.63 29.73 28.2943 35.33 30.40 28.94 38.00 33.00 31.53 34.72 29.80 28.35 36.55 31.59 30.1244 37.39 32.40 30.92 40.26 35.20 33.70 36.74 31.77 30.30 38.67 33.64 32.1645 39.70 34.64 33.15 42.77 37.64 36.12 39.02 33.98 32.49 41.04 35.95 34.4446 41.97 36.91 35.40 45.22 40.07 38.54 41.27 36.22 34.72 43.36 38.26 36.7447 44.92 39.78 38.25 48.38 43.15 41.59 44.18 39.06 37.53 46.36 41.18 39.6448 48.28 43.05 41.49 51.95 46.62 45.04 47.52 42.31 40.75 49.77 44.51 42.9449 52.14 46.82 45.23 56.01 50.59 48.96 51.35 46.05 44.47 53.69 48.33 46.7350 56.59 51.16 49.53 60.65 55.11 53.45 55.78 50.37 48.75 58.18 52.71 51.0751 62.28 56.67 54.98 66.57 60.84 59.12 61.44 55.85 54.17 63.94 58.29 56.5952 68.98 63.16 61.40 73.49 67.55 65.76 68.11 62.31 60.57 70.70 64.83 63.0753 77.08 71.02 69.19 81.82 75.62 73.76 76.19 70.15 68.33 78.87 72.76 70.9254 86.88 80.53 78.61 91.83 85.34 83.38 85.98 79.65 77.74 88.73 82.33 80.4055 98.91 92.22 90.19 104.05 97.22 95.15 97.99 91.32 89.30 100.83 94.08 92.04

July 1, 2006 2005 Series Page C.3D.4


Preferred/Standard

Age0123456789

10111213141516171819202122232425262728293031323334353637383940414243444546474849505152535455




8.74 5.35 4.17 8.76 5.37 4.18 8.60 5.20 4.02 8.61 5.22 4.038.80 5.40 4.22 8.82 5.42 4.24 8.65 5.25 4.07 8.66 5.27 4.098.91 5.51 4.33 8.93 5.54 4.35 8.75 5.35 4.17 8.76 5.37 4.199.04 5.64 4.46 9.06 5.67 4.49 8.87 5.48 4.30 8.89 5.49 4.319.20 5.81 4.63 9.23 5.84 4.66 9.02 5.63 4.45 9.04 5.65 4.479.38 5.99 4.81 9.42 6.02 4.84 9.18 5.79 4.61 9.21 5.82 4.649.57 6.17 4.99 9.60 6.21 5.03 9.34 5.95 4.77 9.37 5.98 4.809.77 6.38 5.20 9.81 6.42 5.24 9.51 6.12 4.94 9.54 6.15 4.979.99 6.60 5.41 10.04 6.64 5.46 9.69 6.30 5.12 9.73 6.34 5.16

10.23 6.84 5.66 10.29 6.89 5.71 9.90 6.51 5.33 9.93 6.54 5.3610.49 7.09 5.91 10.55 7.15 5.97 10.10 6.71 5.53 10.15 6.76 5.5810.74 7.35 6.17 10.81 7.42 6.24 10.31 6.92 5.74 10.36 6.97 5.7911.02 7.63 6.44 11.10 7.71 6.52 10.54 7.15 5.97 10.59 7.20 6.0211.33 7.93 6.75 11.42 8.02 6.84 10.78 7.39 6.21 10.85 7.45 6.2711.63 8.23 7.05 11.73 8.34 7.15 11.03 7.64 6.46 11.10 7.71 6.5311.96 8.56 7.38 12.08 8.68 7.49 11.31 7.92 6.74 11.39 8.00 6.8212.24 8.84 7.66 12.55 9.14 7.96 11.53 8.14 6.96 11.69 8.30 7.1212.53 9.14 7.95 12.87 9.47 8.28 11.80 8.41 7.23 11.97 8.58 7.4012.82 9.42 8.24 13.19 9.78 8.60 12.08 8.69 7.51 12.27 8.88 7.7013.11 9.72 8.53 13.51 10.11 8.92 12.39 9.00 7.82 12.60 9.21 8.0313.40 10.01 8.82 13.83 10.43 9.24 12.71 9.32 8.14 12.94 9.55 8.3713.83 10.37 9.14 14.28 10.82 9.58 13.17 9.72 8.49 13.42 9.97 8.7414.27 10.74 9.46 14.76 11.22 9.94 13.65 10.13 8.85 13.93 10.41 9.1314.76 11.16 9.83 15.27 11.67 10.34 14.16 10.57 9.25 14.47 10.88 9.5515.28 11.62 10.25 15.84 12.17 10.80 14.71 11.06 9.69 15.05 11.39 10.0215.84 12.11 10.69 16.44 12.71 11.28 15.28 11.56 10.14 15.66 11.94 10.5116.43 12.63 11.16 17.09 13.28 11.81 15.89 12.10 10.63 16.31 12.52 11.0517.07 13.20 11.68 17.78 13.90 12.38 16.54 12.68 11.17 17.01 13.14 11.6217.72 13.79 12.22 18.50 14.55 12.98 17.20 13.28 11.72 17.72 13.79 12.2218.41 14.41 12.79 19.25 15.23 13.61 17.90 13.91 12.29 18.47 14.47 12.8519.17 15.10 13.43 20.08 15.99 14.31 18.66 14.60 12.93 19.29 15.21 13.5419.94 15.80 14.09 20.93 16.77 15.04 19.44 15.31 13.59 20.12 15.98 14.2620.78 16.57 14.80 21.84 17.61 15.83 20.28 16.08 14.32 21.04 16.82 15.0521.62 17.34 15.52 22.77 18.47 16.64 21.14 16.87 15.05 21.96 17.67 15.8522.54 18.18 16.31 23.78 19.40 17.52 22.07 17.72 15.86 22.97 18.60 16.7323.54 19.11 17.19 24.88 20.42 18.49 23.08 18.66 16.74 24.06 19.62 17.6924.64 20.13 18.16 26.09 21.56 19.56 24.18 19.69 17.71 25.26 20.74 18.7525.82 21.24 19.21 27.40 22.78 20.74 25.37 20.79 18.77 26.54 21.94 19.9027.13 22.46 20.38 28.85 24.14 22.04 26.67 22.01 19.93 27.93 23.25 21.1628.53 23.78 21.64 30.40 25.61 23.45 28.05 23.31 21.18 29.42 24.66 22.5130.08 25.25 23.05 32.13 27.25 25.02 29.58 24.76 22.57 31.06 26.21 23.9931.57 26.69 24.45 33.78 28.85 26.58 31.04 26.18 23.95 32.62 27.72 25.4633.16 28.24 25.96 35.55 30.57 28.26 32.61 27.70 25.42 34.28 29.33 27.0334.95 29.98 27.65 37.52 32.49 30.12 34.36 29.41 27.08 36.12 31.13 28.7836.93 31.91 29.54 39.70 34.61 32.20 36.31 31.31 28.94 38.17 33.12 30.7239.16 34.09 31.66 42.13 36.97 34.51 38.51 33.45 31.03 40.45 35.35 32.9041.37 36.28 33.83 44.50 39.34 36.84 40.69 35.62 33.17 42.70 37.58 35.1144.21 39.06 36.55 47.55 42.31 39.75 43.50 38.37 35.87 45.60 40.41 37.8847.46 42.23 39.66 50.99 45.67 43.05 46.72 41.51 38.95 48.90 43.63 41.0451.19 45.87 43.24 54.91 49.50 46.82 50.42 45.13 42.51 52.68 47.33 44.6755.48 50.07 47.36 59.40 53.88 51.12 54.70 49.30 46.61 57.02 51.57 48.8460.96 55.38 52.57 65.10 59.41 56.53 60.15 54.59 51.79 62.56 56.94 54.1167.41 61.64 58.71 71.76 65.88 62.88 66.57 60.83 57.90 69.07 63.26 60.3075.21 69.22 66.15 79.78 73.66 70.52 74.36 68.39 65.33 76.94 70.90 67.8084.64 78.39 75.15 89.41 83.03 79.72 83.78 77.54 74.32 86.43 80.13 76.8696.22 89.65 86.21 101.17 94.46 90.95 95.34 88.79 85.37 98.07 91.45 87.98



Preferred/Standard

Age0123456789

10111213141516171819202122232425262728293031323334353637383940414243444546474849505152535455




9.12 5.25 4.32 9.14 5.26 4.33 8.97 5.10 4.17 8.98 5.11 4.189.18 5.30 4.37 9.20 5.32 4.40 9.02 5.15 4.22 9.04 5.16 4.249.29 5.42 4.49 9.31 5.44 4.51 9.12 5.25 4.33 9.14 5.27 4.349.43 5.56 4.63 9.45 5.58 4.65 9.25 5.38 4.45 9.27 5.40 4.479.60 5.73 4.80 9.63 5.76 4.83 9.41 5.54 4.61 9.43 5.56 4.639.79 5.92 4.99 9.82 5.95 5.02 9.58 5.71 4.78 9.60 5.74 4.819.98 6.11 5.18 10.02 6.15 5.22 9.74 5.88 4.95 9.77 5.90 4.97

10.19 6.32 5.39 10.23 6.36 5.44 9.92 6.05 5.13 9.95 6.08 5.1610.42 6.55 5.62 10.47 6.60 5.67 10.11 6.24 5.31 10.14 6.28 5.3510.67 6.80 5.87 10.73 6.86 5.93 10.32 6.45 5.52 10.36 6.49 5.5610.93 7.06 6.13 10.99 7.12 6.19 10.54 6.67 5.74 10.58 6.71 5.7911.20 7.33 6.40 11.27 7.40 6.47 10.75 6.89 5.96 10.80 6.94 6.0111.49 7.62 6.69 11.57 7.70 6.77 10.99 7.12 6.19 11.04 7.18 6.2511.81 7.93 7.00 11.90 8.03 7.10 11.24 7.38 6.45 11.31 7.44 6.5112.12 8.25 7.32 12.23 8.36 7.43 11.50 7.63 6.71 11.57 7.71 6.7812.46 8.59 7.66 12.58 8.71 7.78 11.79 7.92 6.99 11.87 8.00 7.0812.76 8.88 7.95 13.07 9.20 8.27 12.02 8.16 7.23 12.18 8.32 7.3913.06 9.19 8.26 13.41 9.53 8.60 12.30 8.43 7.51 12.48 8.62 7.6913.36 9.49 8.56 13.74 9.86 8.93 12.59 8.73 7.80 12.79 8.92 7.9913.66 9.79 8.86 14.08 10.20 9.27 12.91 9.05 8.12 13.13 9.27 8.3413.97 10.10 9.17 14.41 10.53 9.60 13.24 9.38 8.46 13.48 9.62 8.6914.44 10.48 9.52 14.91 10.94 9.99 13.76 9.80 8.85 14.02 10.06 9.1114.94 10.87 9.89 15.44 11.37 10.39 14.29 10.23 9.25 14.58 10.52 9.5415.48 11.31 10.30 16.02 11.84 10.83 14.86 10.70 9.70 15.18 11.02 10.0116.06 11.80 10.77 16.64 12.37 11.34 15.47 11.21 10.18 15.82 11.56 10.5316.67 12.31 11.25 17.30 12.93 11.87 16.10 11.74 10.68 16.49 12.13 11.0717.33 12.86 11.78 18.01 13.54 12.45 16.76 12.31 11.22 17.20 12.74 11.6618.02 13.46 12.35 18.76 14.19 13.07 17.47 12.92 11.81 17.96 13.40 12.2918.74 14.08 12.94 19.55 14.87 13.73 18.20 13.55 12.41 18.74 14.07 12.9419.50 14.73 13.56 20.37 15.58 14.41 18.96 14.20 13.04 19.55 14.79 13.6220.32 15.45 14.25 21.26 16.38 15.18 19.79 14.93 13.74 20.44 15.57 14.3721.16 16.19 14.97 22.18 17.19 15.96 20.63 15.67 14.45 21.34 16.37 15.1522.07 16.99 15.74 23.17 18.08 16.82 21.55 16.48 15.24 22.33 17.25 16.0022.98 17.80 16.52 24.18 18.97 17.69 22.47 17.31 16.03 23.33 18.14 16.8723.97 18.68 17.38 25.27 19.95 18.64 23.48 18.20 16.90 24.42 19.12 17.8125.05 19.65 18.32 26.45 21.02 19.68 24.56 19.18 17.85 25.59 20.19 18.8526.23 20.72 19.36 27.75 22.21 20.83 25.75 20.26 18.90 26.87 21.35 19.9927.50 21.88 20.49 29.15 23.49 22.09 27.02 21.42 20.03 28.24 22.61 21.2128.89 23.16 21.74 30.69 24.91 23.48 28.41 22.69 21.27 29.74 23.98 22.5630.39 24.54 23.09 32.35 26.45 24.98 29.89 24.06 22.60 31.33 25.46 23.9932.05 26.08 24.59 34.19 28.16 26.66 31.52 25.57 24.09 33.07 27.07 25.5833.61 27.58 26.07 35.93 29.83 28.31 33.06 27.04 25.54 34.71 28.64 27.1335.29 29.19 27.67 37.79 31.62 30.07 34.71 28.62 27.10 36.46 30.32 28.7937.16 30.99 29.45 39.86 33.61 32.04 36.55 30.39 28.86 38.39 32.19 30.6439.25 33.00 31.44 42.14 35.81 34.22 38.60 32.37 30.81 40.54 34.25 32.6841.58 35.26 33.67 44.69 38.26 36.65 40.90 34.59 33.01 42.94 36.57 34.9743.86 37.52 35.93 47.15 40.70 39.08 43.15 36.83 35.25 45.26 38.88 37.2746.84 40.41 38.79 50.34 43.79 42.14 46.10 39.69 38.07 48.29 41.81 40.1850.23 43.69 42.04 53.94 47.28 45.60 49.46 42.95 41.30 51.74 45.15 43.4954.13 47.48 45.79 58.04 51.25 49.54 53.34 46.70 45.03 55.70 48.99 47.2958.62 51.83 50.11 62.72 55.80 54.04 57.80 51.04 49.32 60.23 53.39 51.6664.38 57.36 55.58 68.71 61.55 59.73 63.53 56.54 54.77 66.06 58.99 57.1971.16 63.88 62.03 75.72 68.29 66.40 70.28 63.03 61.19 72.90 65.56 63.7079.35 71.77 69.84 84.14 76.39 74.42 78.46 70.90 68.98 81.16 73.52 71.5889.26 81.32 79.30 94.26 86.15 84.09 88.35 80.44 78.43 91.13 83.13 81.09

101.42 93.05 90.92 106.62 98.07 95.89 100.49 92.16 90.03 103.36 94.93 92.77


Sagicor Life Inc ENDOWMENT TO AGE 65 RIDER BENEFITS

Preferred/Standard


01234

56789

101112131415 2.58 3.87 1.25 0.11

16 2.65 3.98 1.25 0.1117 2.62 3.93 1.25 0.1118 2.67 4.01 1.25 0.1119 2.71 4.07 1.25 0.1120 2.74 4.11 1.25 0.11

21 2.76 4.14 1.25 0.1122 2.68 4.02 1.25 0.1123 2.69 4.04 1.25 0.1124 2.68 4.02 1.25 0.1125 2.67 4.01 1.25 0.11

26 2.65 3.98 1.25 0.1127 2.55 3.83 1.25 0.1128 2.52 3.78 1.25 0.1129 2.49 3.74 1.25 0.1130 2.45 3.68 1.25 0.11

31 2.48 3.72 1.28 0.1132 2.49 3.74 1.30 0.1133 2.45 3.68 1.33 0.1134 2.45 3.68 1.35 0.1235 2.49 3.74 1.38 0.12

36 2.53 3.80 1.42 0.1237 2.55 3.83 1.46 0.1338 2.61 3.92 1.50 0.1339 2.61 3.92 1.54 0.1340 2.64 3.96 1.58 0.14

41 2.66 3.99 1.65 0.1442 2.71 4.07 1.71 0.1543 2.74 4.11 1.78 0.1544 2.78 4.17 1.84 0.1645 2.87 4.31 1.91 0.16

46 2.96 4.44 2.03 0.1847 3.09 4.64 2.15 0.1948 3.24 4.86 2.27 0.2049 3.38 5.07 2.39 0.2150 3.47 5.21 2.51 0.22

51 3.54 5.31 2.51 0.2252 3.67 5.51 2.51 0.2253 3.88 5.82 2.51 0.2254 4.21 6.32 2.51 0.2255 5.88 6.85 2.51 0.22


andAccidental Death



ENDOWMENT TO AGE 65CASH VALUES PER $1,000 SUM ASSURED

Duration 5 10 15 20 25 30 35 40 45 50 55 60 65Age

0 6 43 84 124 171 227 294 371 460 563 682 822 1,000 1 7 46 87 129 178 237 305 385 478 583 706 854 - 2 8 48 91 134 185 246 317 400 495 605 732 887 - 3 9 51 95 140 193 256 330 415 513 627 759 922 - 4 10 53 98 145 200 266 342 431 532 650 788 960 - 5 11 55 102 151 208 276 355 447 552 674 818 1,000 - 6 12 58 106 156 216 287 369 464 572 699 850 - - 7 13 60 110 163 225 298 383 481 594 725 884 - - 8 14 63 114 169 234 310 398 499 616 752 920 - - 9 16 65 119 175 243 322 413 518 639 781 958 - - 10 17 68 123 182 252 335 429 538 663 812 1,000 - - 11 18 70 128 190 263 348 446 558 688 845 - - - 12 19 73 133 197 273 361 463 579 715 879 - - - 13 20 76 138 205 284 376 481 602 743 917 - - - 14 21 79 144 214 296 391 499 625 773 957 - - - 15 23 83 150 223 308 406 519 650 805 1,000 - - - 16 24 87 156 232 321 423 540 676 838 - - - - 17 26 90 163 242 334 440 561 703 874 - - - - 18 27 95 170 252 348 458 584 732 913 - - - - 19 29 99 177 263 363 476 608 763 955 - - - - 20 31 104 185 275 378 496 633 795 1,000 - - - - 21 33 109 194 287 394 517 659 830 - - - - - 22 35 114 203 299 410 538 687 868 - - - - - 23 37 119 212 312 428 561 717 908 - - - - - 24 40 125 221 326 446 585 749 952 - - - - - 25 42 131 231 341 466 611 783 1,000 - - - - - 26 45 138 242 356 486 638 820 - - - - - - 27 48 145 253 372 508 667 859 - - - - - - 28 51 152 265 388 531 698 902 - - - - - - 29 54 160 277 406 555 731 949 - - - - - - 30 57 168 290 425 581 766 1,000 - - - - - - 31 61 176 304 445 609 805 - - - - - - - 32 65 185 319 466 639 847 - - - - - - - 33 68 194 334 489 671 893 - - - - - - - 34 71 203 351 513 706 944 - - - - - - - 35 75 214 368 540 743 1,000 - - - - - - - 36 80 225 388 568 785 - - - - - - - - 37 85 238 408 599 831 - - - - - - - - 38 90 251 431 633 881 - - - - - - - - 39 95 265 455 670 937 - - - - - - - - 40 102 281 482 711 1,000 - - - - - - - - 41 109 298 511 756 - - - - - - - - - 42 116 316 543 807 - - - - - - - - - 43 125 337 578 863 - - - - - - - - - 44 134 359 618 927 - - - - - - - - - 45 144 385 662 1,000 - - - - - - - - - 46 157 413 712 - - - - - - - - - - 47 171 445 769 - - - - - - - - - - 48 187 482 835 - - - - - - - - - - 49 205 524 911 - - - - - - - - - - 50 226 572 1,000 - - - - - - - - - - 51 250 629 - - - - - - - - - - - 52 278 695 - - - - - - - - - - - 53 311 775 - - - - - - - - - - - 54 351 872 - - - - - - - - - - - 55 400 1,000 - - - - - - - - - - -



ENDOWMENT TO AGE 65PAID-UP VALUES PER $1,000 OF SUM ASSURED

AgeDuration 5 10 15 20 25 30 35 40 45 50 55 60 65 60

Age0 34 229 383 490 583 665 739 800 852 897 936 969 1,000 969 1 40 237 386 495 589 674 744 805 859 902 940 975 - 969 2 45 240 392 499 594 678 749 811 863 908 946 981 - 967 3 50 247 398 506 601 684 756 817 868 914 951 987 - 966 4 55 250 399 509 604 690 760 823 874 919 958 994 - 965 5 59 252 403 515 610 694 765 828 880 925 964 1,000 - 964 6 63 258 407 516 614 700 772 834 885 931 971 - - 963 7 67 259 410 523 620 704 777 839 892 937 978 - - 962 8 70 264 412 526 626 711 783 844 898 943 985 - - 960 9 73 264 418 529 630 716 788 851 904 949 992 - - 958 10 76 269 419 533 634 722 795 858 910 957 1,000 - - 957 11 79 269 423 540 641 728 801 863 916 965 - - - 956 12 82 272 427 543 645 732 807 869 924 972 - - - 953 13 84 275 430 548 651 740 814 877 931 981 - - - 952 14 87 277 435 555 658 746 820 884 940 990 - - - 950 15 89 283 440 561 664 752 827 892 949 1,000 - - - 949 16 92 288 443 566 671 760 835 900 957 - - - - 946 17 95 289 449 572 677 767 842 909 966 - - - - 944 18 98 296 455 578 685 775 851 918 977 - - - - 942 19 102 299 459 585 693 782 860 927 988 - - - - 939 20 105 305 465 593 700 791 869 937 1,000 - - - - 937 21 109 310 473 600 708 800 878 948 - - - - - 934 22 112 314 480 606 715 808 888 960 - - - - - 932 23 116 318 486 614 724 818 899 972 - - - - - 929 24 120 324 491 622 732 827 910 985 - - - - - 926 25 124 329 498 632 743 839 923 1,000 - - - - - 923 26 128 336 506 640 752 850 936 - - - - - - 919 27 132 343 513 649 763 862 950 - - - - - - 916 28 136 348 521 657 774 875 965 - - - - - - 912 29 140 356 529 667 785 889 982 - - - - - - 907 30 144 362 537 677 798 903 1,000 - - - - - - 903 31 149 368 546 688 811 919 - - - - - - - 898 32 154 375 556 700 826 937 - - - - - - - 893 33 156 382 565 713 841 956 - - - - - - - 888 34 158 388 576 726 858 977 - - - - - - - 883 35 162 396 587 741 876 1,000 - - - - - - - 876 36 167 404 600 757 896 - - - - - - - - 870 37 172 415 613 774 919 - - - - - - - - 863 38 177 425 628 793 943 - - - - - - - - 854 39 181 435 644 814 970 - - - - - - - - 846 40 189 448 662 838 1,000 - - - - - - - - 838 41 196 461 681 863 - - - - - - - - - 828 42 202 475 702 892 - - - - - - - - - 818 43 211 491 725 924 - - - - - - - - - 806 44 220 508 751 959 - - - - - - - - - 794 45 230 528 780 1,000 - - - - - - - - - 780 46 243 550 813 - - - - - - - - - - 765 47 257 575 850 - - - - - - - - - - 748 48 273 604 894 - - - - - - - - - - 729 49 290 637 943 - - - - - - - - - - 703 50 310 674 1,000 - - - - - - - - - - 674 51 333 718 - - - - - - - - - - - 643 52 359 769 - - - - - - - - - - - 608 53 390 829 - - - - - - - - - - - 569 54 427 903 - - - - - - - - - - - 524 55 471 1,000 - - - - - - - - - - - 471


SPECIAL PLANS

Sagicor Life Inc Sagicor Life Solutions

July 01, 2010 Page C.4.1

SAGICOR LIFE SOLUTIONS

Sagicor Life Solutions has a variety of products which are specifically designed to meet the goals of the individual. Life Solutions offers a combination of two insurance (2) products and an Investment Feature: Critical Illness cover - Life Protector III to age 65 - Life Protector III to age 75 Term Life insurance

- 20 Year Term - Term to age 65 Term to age 70, Term to age 75 and Term to age 80

An Investment feature - The Savings Premium The products offered by Sagicor Life Solutions are: Sagicor Future Protector This product provides a cash payment on diagnosis of a critical illness or on death. Regular savings may also be added to this product. (Term Life, Life Protector III and Savings) Sagicor Home Achiever This product helps the Insured save for the down-payment on a home, while securing insurance for the mortgage earlier and at a lower premium. (Term Life and Savings) Sagicor Education Achiever This product helps the Insured save to meet a child’s educational costs and provides protection in the event that the Insured becomes critically ill or dies prematurely. (Term Life, Life Protector III and Savings) Sagicor Home Protector This product helps the Insured save for home improvements, pay off a mortgage earlier, or even cover the mortgage in case the Insured becomes critically ill. (Term Life, Life Protector III and Savings) Sagicor Retirement Achiever This product helps the Insured to prepare for retirement by providing insurance against critical illness and the accumulation of savings. (Life Protector III and Savings) Sagicor Next Generation This product allows the Insured to provide a cash benefit to his/her children. It includes both an insurance and a savings component. Term Life is used initially to keep premiums low but it later converts to a permanent plan. (Term Life and Savings)

Sagicor Life Inc Sagicor Life Solutions

July 01, 2010 Page C.4.2

Further details of the Critical Illness and the Term products may be found in Section C of the rate manual.

Sagicor Life Inc 21st Century Life


21ST CENTURY LIFE Plan Features 21st Century Life is a non-participating life insurance product. A bonus of 20% of the Sum Assured will be paid in cash at age 65. This does not affect the Sum Assured payable on death, which is level over the term of the policy. Term The term of the policy is for the whole of life i.e. the remaining lifetime of the Insured. Face Amount Bands

Territory Band 1

(in local $)

Band 2 (in local $)

Band 3 (in local $)






Issue Ages Ages 0 to 55. Cash Values On surrender, the policyholder is entitled to a cash value calculated according to the schedule of guaranteed cash values contained in the contract. The cash payout at age 65 is in addition to these values.

Sagicor Life Inc 21st Century Life



• Accidental Death and Dismemberment (AD&D), • Total Disability Waiver of Premium, • Payor’s Waiver


• Life Protector II • 5 Year Renewable and Convertible Term, 10 Year Renewable and Convertible Term, 20 Year

Term, Term to 65, and Term to 80. Commissions Commissions will be paid as earned. The following table sets out the existing commissions payable for each policy year.

Year Commission Rate 1 30% 2 30%

Thereafter 3.5% Reinsurance Limits The Retention of Sagicor Life for each Life Insured is the maximum amount of risk which the company can retain on its own account. All amounts in excess of this limit are ceded to the Reinsurance Company. Generally, the amount of cover which the Reinsurance Company will automatically accept is capped at ten (10) times the Retention of Sagicor. This automatic cover varies by Reinsurance Treaty and by Territory. The limits under the current treaties are set out below. Advisors should check with the Reinsurance and Underwriting departments before quoting on high volume cases.

Reinsurance Limits for 21st Century Life (Sagicor Life) Issue Age / Automatic Cover


TT$ $4,000,000 $3,500,000 $2,000,000 US$ $1,000,000 $850,000 $500,000

Sagicor Life Inc 21ST CENTURY LIFEANNUAL PREMIUM RATESPER $1,000 SUM ASSURED

Preferred/Standard




0 7.45 4.72 3.95 7.48 4.75 3.98 7.30 4.57 3.80 7.32 4.59 3.821 7.86 5.13 4.36 7.89 5.16 4.40 7.70 4.97 4.20 7.72 4.99 4.232 7.96 5.23 4.46 7.99 5.26 4.50 7.78 5.05 4.29 7.81 5.08 4.313 8.07 5.34 4.58 8.11 5.38 4.62 7.89 5.16 4.39 7.92 5.19 4.424 8.19 5.46 4.70 8.24 5.51 4.75 8.00 5.26 4.50 8.03 5.30 4.535 8.38 5.65 4.88 8.43 5.70 4.94 8.16 5.43 4.66 8.20 5.47 4.706 8.53 5.79 5.03 8.59 5.86 5.09 8.28 5.55 4.79 8.32 5.59 4.837 8.67 5.94 5.17 8.74 6.01 5.24 8.39 5.66 4.90 8.44 5.71 4.948 8.86 6.12 5.36 8.93 6.20 5.44 8.54 5.81 5.05 8.59 5.87 5.109 9.03 6.30 5.53 9.12 6.39 5.62 8.68 5.95 5.18 8.74 6.01 5.24

10 9.23 6.49 5.73 9.32 6.59 5.83 8.83 6.10 5.34 8.90 6.17 5.4111 9.45 6.72 5.95 9.56 6.83 6.07 9.01 6.28 5.51 9.08 6.36 5.5912 9.68 6.94 6.18 9.80 7.07 6.31 9.19 6.46 5.69 9.27 6.54 5.7813 9.88 7.15 6.38 10.02 7.29 6.53 9.34 6.61 5.84 9.43 6.70 5.9414 10.10 7.37 6.60 10.26 7.53 6.76 9.51 6.77 6.01 9.61 6.88 6.1215 10.31 7.58 6.81 10.50 7.77 7.00 9.67 6.94 6.18 9.80 7.07 6.3016 10.54 7.80 7.03 10.91 8.17 7.41 9.84 7.11 6.34 10.04 7.31 6.5517 10.73 7.99 7.23 11.14 8.41 7.64 10.01 7.28 6.51 10.23 7.50 6.7418 10.91 8.18 7.41 11.36 8.63 7.86 10.18 7.45 6.69 10.43 7.70 6.9319 11.08 8.35 7.58 11.57 8.84 8.07 10.36 7.63 6.87 10.63 7.91 7.1420 11.24 8.51 7.74 11.77 9.04 8.27 10.55 7.82 7.05 10.85 8.12 7.3521 11.55 8.75 7.96 12.12 9.32 8.53 10.89 8.09 7.30 11.22 8.42 7.6322 11.86 8.99 8.18 12.48 9.61 8.80 11.22 8.35 7.54 11.59 8.72 7.9123 12.18 9.24 8.41 12.85 9.90 9.07 11.57 8.63 7.79 11.97 9.03 8.2024 12.55 9.53 8.68 13.27 10.26 9.40 11.95 8.93 8.08 12.39 9.38 8.5225 12.91 9.82 8.94 13.70 10.61 9.73 12.31 9.23 8.35 12.81 9.72 8.8426 13.30 10.14 9.24 14.16 11.00 10.10 12.71 9.55 8.65 13.26 10.10 9.2027 13.72 10.49 9.56 14.66 11.42 10.50 13.13 9.91 8.98 13.74 10.51 9.5928 14.15 10.85 9.90 15.18 11.87 10.92 13.56 10.26 9.32 14.23 10.93 9.9929 14.60 11.23 10.26 15.72 12.34 11.37 14.01 10.64 9.67 14.75 11.37 10.4030 15.03 11.58 10.59 16.26 12.80 11.81 14.43 10.99 10.00 15.25 11.80 10.8131 15.50 11.98 10.97 16.84 13.31 12.29 14.89 11.37 10.36 15.78 12.26 11.2432 15.99 12.40 11.37 17.46 13.86 12.81 15.37 11.79 10.75 16.36 12.76 11.7233 16.50 12.84 11.78 18.11 14.43 13.36 15.88 12.22 11.16 16.95 13.28 12.2234 17.05 13.31 12.23 18.80 15.04 13.95 16.41 12.68 11.60 17.59 13.84 12.7635 17.59 13.78 12.67 19.50 15.66 14.55 16.93 13.13 12.03 18.22 14.40 13.2936 18.19 14.30 13.17 20.28 16.37 15.23 17.51 13.63 12.51 18.92 15.03 13.8937 18.81 14.85 13.70 21.10 17.11 15.94 18.10 14.15 13.00 19.64 15.67 14.5138 19.45 15.42 14.25 21.96 17.89 16.70 18.70 14.68 13.51 20.38 16.33 15.1539 20.16 16.05 14.85 22.91 18.76 17.54 19.35 15.26 14.06 21.18 17.05 15.8540 20.91 16.73 15.51 23.94 19.71 18.47 20.05 15.88 14.66 22.02 17.82 16.59



Preferred/Standard




41 21.69 17.43 16.18 25.02 20.70 19.43 20.75 16.51 15.27 22.89 18.60 17.3542 22.53 18.19 16.92 26.18 21.77 20.48 21.50 17.18 15.92 23.80 19.44 18.1643 23.42 19.00 17.70 27.42 22.93 21.60 22.30 17.91 16.61 24.77 20.33 19.0244 24.38 19.89 18.56 28.77 24.19 22.83 23.16 18.69 17.38 25.82 21.29 19.9645 25.40 20.83 19.48 30.20 25.52 24.14 24.07 19.52 18.18 26.92 22.31 20.9546 26.52 21.86 20.49 31.76 26.99 25.57 25.07 20.44 19.07 28.12 23.42 22.0347 27.67 22.94 21.53 33.40 28.52 27.08 26.09 21.38 19.99 29.35 24.57 23.1648 28.96 24.13 22.71 35.20 30.22 28.75 27.23 22.45 21.03 30.72 25.85 24.4149 30.36 25.45 23.99 37.15 32.07 30.56 28.48 23.61 22.17 32.20 27.25 25.7850 31.85 26.86 25.37 39.23 34.05 32.50 29.80 24.86 23.39 33.78 28.73 27.2351 33.51 28.42 26.91 41.52 36.23 34.65 31.28 26.25 24.75 35.52 30.38 28.8552 35.31 30.13 28.59 43.99 38.58 36.97 32.87 27.76 26.23 37.39 32.16 30.6053 37.28 32.00 30.43 46.67 41.15 39.49 34.62 29.42 27.87 39.44 34.11 32.5254 39.44 34.07 32.46 49.60 43.95 42.26 36.54 31.25 29.67 41.67 36.24 34.6255 41.81 36.34 34.70 52.79 47.01 45.28 38.65 33.26 31.66 44.12 38.58 36.92



Preferred/Standard

Age0123456789

10111213141516171819202122232425262728293031323334353637383940




8.19 5.14 4.07 8.22 5.17 4.10 8.04 4.99 3.93 8.06 5.01 3.958.59 5.53 4.47 8.62 5.56 4.50 8.43 5.38 4.31 8.45 5.40 4.348.68 5.63 4.56 8.72 5.66 4.60 8.51 5.46 4.40 8.54 5.48 4.428.79 5.74 4.67 8.83 5.78 4.71 8.61 5.56 4.50 8.64 5.59 4.528.91 5.85 4.79 8.95 5.90 4.84 8.72 5.66 4.60 8.75 5.69 4.639.08 6.03 4.97 9.14 6.08 5.02 8.87 5.82 4.76 8.91 5.86 4.799.23 6.17 5.11 9.29 6.23 5.17 8.99 5.94 4.88 9.03 5.98 4.929.37 6.31 5.25 9.43 6.38 5.32 9.10 6.05 4.98 9.14 6.09 5.039.55 6.49 5.43 9.62 6.57 5.50 9.24 6.19 5.13 9.29 6.24 5.189.71 6.66 5.60 9.80 6.75 5.68 9.37 6.32 5.26 9.43 6.38 5.329.90 6.85 5.78 10.00 6.95 5.88 9.52 6.47 5.41 9.59 6.54 5.47

10.12 7.06 6.00 10.23 7.17 6.11 9.69 6.64 5.58 9.77 6.71 5.6510.34 7.28 6.22 10.46 7.41 6.34 9.87 6.81 5.75 9.95 6.89 5.8310.54 7.48 6.41 10.67 7.62 6.55 10.01 6.96 5.89 10.10 7.05 5.9910.75 7.69 6.62 10.90 7.85 6.78 10.17 7.12 6.05 10.28 7.22 6.1610.95 7.90 6.83 11.13 8.08 7.01 10.33 7.28 6.22 10.45 7.40 6.3411.17 8.11 7.04 11.53 8.47 7.40 10.49 7.44 6.38 10.69 7.64 6.5711.35 8.30 7.23 11.75 8.69 7.63 10.66 7.60 6.54 10.87 7.82 6.7611.53 8.47 7.40 11.96 8.90 7.84 10.82 7.77 6.71 11.06 8.01 6.9411.69 8.63 7.57 12.17 9.11 8.04 11.00 7.95 6.88 11.26 8.21 7.1511.85 8.79 7.73 12.36 9.30 8.24 11.18 8.12 7.06 11.47 8.41 7.3512.14 9.03 7.92 12.70 9.58 8.47 11.50 8.39 7.28 11.82 8.71 7.6012.44 9.26 8.11 13.04 9.86 8.71 11.82 8.65 7.50 12.17 9.00 7.8512.74 9.51 8.31 13.39 10.15 8.95 12.15 8.91 7.72 12.53 9.30 8.1113.09 9.79 8.56 13.79 10.49 9.25 12.51 9.21 7.98 12.94 9.64 8.4113.43 10.07 8.79 14.19 10.83 9.55 12.85 9.50 8.22 13.33 9.98 8.7013.80 10.39 9.06 14.64 11.22 9.89 13.23 9.82 8.50 13.77 10.35 9.0314.20 10.73 9.36 15.12 11.63 10.26 13.64 10.16 8.80 14.23 10.75 9.3814.61 11.08 9.67 15.61 12.07 10.65 14.05 10.51 9.11 14.70 11.16 9.7515.05 11.45 10.00 16.13 12.53 11.07 14.47 10.88 9.43 15.19 11.59 10.1415.45 11.80 10.30 16.65 12.98 11.47 14.87 11.22 9.73 15.66 12.00 10.5115.90 12.18 10.64 17.20 13.47 11.92 15.31 11.60 10.06 16.18 12.45 10.9116.38 12.60 11.01 17.80 14.00 12.40 15.77 12.00 10.42 16.73 12.94 11.3516.86 13.02 11.39 18.41 14.55 12.91 16.25 12.42 10.80 17.30 13.45 11.8217.38 13.48 11.81 19.08 15.15 13.46 16.76 12.87 11.20 17.90 13.99 12.3217.90 13.93 12.22 19.75 15.76 14.02 17.26 13.31 11.60 18.51 14.54 12.8218.47 14.45 12.69 20.50 16.44 14.66 17.81 13.80 12.04 19.18 15.14 13.3819.07 14.98 13.17 21.28 17.16 15.33 18.38 14.30 12.50 19.87 15.77 13.9519.69 15.53 13.68 22.12 17.92 16.05 18.96 14.82 12.98 20.58 16.41 14.5520.36 16.14 14.25 23.03 18.76 16.84 19.58 15.38 13.49 21.35 17.11 15.2021.08 16.80 14.86 24.02 19.68 17.71 20.25 15.98 14.05 22.16 17.85 15.90



Preferred/Standard

Age414243444546474849505152535455



Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic21.83 17.48 15.50 25.05 20.64 18.62 20.92 16.59 14.61 22.99 18.61 16.6122.63 18.22 16.18 26.17 21.68 19.60 21.64 17.25 15.22 23.87 19.43 17.3823.49 19.01 16.92 27.36 22.80 20.67 22.40 17.94 15.88 24.80 20.29 18.1924.41 19.86 17.74 28.66 24.02 21.83 23.23 18.71 16.60 25.80 21.22 19.0725.39 20.78 18.60 30.03 25.31 23.07 24.10 19.51 17.35 26.86 22.21 20.0126.46 21.78 19.55 31.54 26.73 24.43 25.06 20.40 18.19 28.01 23.28 21.0427.57 22.82 20.54 33.11 28.22 25.86 26.04 21.32 19.06 29.20 24.40 22.1028.81 23.98 21.65 34.84 29.86 27.44 27.14 22.35 20.04 30.51 25.64 23.2830.15 25.25 22.87 36.72 31.65 29.17 28.34 23.47 21.12 31.94 26.99 24.5831.59 26.61 24.18 38.72 33.56 31.02 29.61 24.68 22.27 33.45 28.42 25.9633.18 28.13 25.64 40.92 35.66 33.06 31.03 26.02 23.57 35.13 30.02 27.5034.91 29.77 27.23 43.30 37.94 35.27 32.56 27.48 24.98 36.93 31.73 29.1636.81 31.59 28.99 45.88 40.42 37.68 34.24 29.09 26.53 38.90 33.62 30.9938.88 33.58 30.92 48.70 43.13 40.31 36.09 30.86 28.25 41.05 35.68 32.9941.16 35.77 33.06 51.77 46.08 43.19 38.11 32.80 30.14 43.40 37.94 35.19



Preferred/Standard

Age0123456789

10111213141516171819202122232425262728293031323334353637383940




8.46 5.03 4.20 8.49 5.06 4.23 8.31 4.87 4.05 8.33 4.89 4.078.87 5.44 4.61 8.90 5.47 4.65 8.71 5.28 4.45 8.73 5.30 4.488.97 5.54 4.71 9.00 5.57 4.75 8.79 5.36 4.54 8.82 5.39 4.569.08 5.65 4.83 9.12 5.69 4.87 8.90 5.47 4.64 8.92 5.49 4.679.20 5.77 4.95 9.25 5.82 5.00 9.00 5.57 4.75 9.03 5.61 4.789.38 5.95 5.13 9.44 6.01 5.19 9.17 5.74 4.91 9.20 5.77 4.959.53 6.10 5.28 9.59 6.16 5.34 9.29 5.86 5.04 9.33 5.90 5.089.68 6.25 5.42 9.74 6.32 5.49 9.40 5.97 5.15 9.45 6.02 5.199.86 6.43 5.61 9.94 6.51 5.69 9.55 6.12 5.30 9.60 6.17 5.35

10.04 6.61 5.78 10.12 6.70 5.87 9.69 6.26 5.43 9.74 6.32 5.4910.24 6.80 5.98 10.33 6.90 6.08 9.84 6.41 5.59 9.91 6.48 5.6610.46 7.03 6.20 10.57 7.14 6.32 10.02 6.59 5.76 10.09 6.66 5.8410.69 7.25 6.43 10.81 7.38 6.56 10.20 6.77 5.94 10.28 6.85 6.0310.89 7.46 6.63 11.03 7.60 6.78 10.35 6.92 6.09 10.44 7.01 6.1911.11 7.68 6.85 11.27 7.84 7.01 10.51 7.08 6.26 10.62 7.19 6.3711.32 7.89 7.06 11.51 8.08 7.25 10.68 7.25 6.43 10.80 7.38 6.5511.55 8.11 7.29 11.92 8.48 7.66 10.85 7.42 6.59 11.05 7.62 6.8011.74 8.30 7.48 12.15 8.72 7.89 11.02 7.59 6.76 11.24 7.81 6.9911.92 8.48 7.66 12.37 8.94 8.11 11.19 7.76 6.94 11.43 8.01 7.1812.09 8.65 7.83 12.58 9.15 8.32 11.37 7.94 7.12 11.64 8.22 7.3912.25 8.82 7.99 12.78 9.35 8.52 11.56 8.13 7.30 11.85 8.43 7.6012.59 9.07 8.22 13.16 9.64 8.79 11.92 8.41 7.56 12.25 8.74 7.8912.93 9.32 8.45 13.54 9.93 9.06 12.28 8.68 7.81 12.65 9.05 8.1813.27 9.58 8.68 13.94 10.24 9.35 12.66 8.96 8.07 13.06 9.36 8.4713.67 9.88 8.96 14.39 10.60 9.68 13.06 9.28 8.36 13.51 9.72 8.8114.05 10.17 9.23 14.84 10.96 10.02 13.45 9.58 8.64 13.95 10.08 9.1414.47 10.50 9.54 15.33 11.37 10.40 13.88 9.92 8.95 14.43 10.47 9.5014.91 10.86 9.87 15.86 11.80 10.81 14.33 10.28 9.29 14.94 10.89 9.9015.37 11.23 10.22 16.41 12.26 11.24 14.78 10.65 9.64 15.46 11.32 10.3015.85 11.62 10.58 16.98 12.74 11.70 15.26 11.03 10.00 16.00 11.77 10.7316.31 11.99 10.93 17.54 13.21 12.15 15.71 11.39 10.33 16.52 12.20 11.1416.81 12.39 11.31 18.15 13.73 12.64 16.19 11.79 10.71 17.09 12.67 11.5917.33 12.83 11.72 18.80 14.28 13.17 16.70 12.21 11.10 17.69 13.18 12.0817.87 13.27 12.14 19.47 14.86 13.72 17.23 12.65 11.52 18.31 13.72 12.5818.44 13.75 12.60 20.19 15.48 14.32 17.79 13.12 11.97 18.98 14.29 13.1319.00 14.23 13.05 20.92 16.12 14.93 18.34 13.58 12.40 19.64 14.86 13.6719.63 14.77 13.56 21.73 16.83 15.62 18.95 14.09 12.89 20.37 15.49 14.2820.28 15.32 14.10 22.58 17.58 16.35 19.57 14.62 13.40 21.12 16.14 14.9120.95 15.90 14.65 23.48 18.38 17.12 20.20 15.16 13.91 21.89 16.82 15.5621.69 16.54 15.26 24.46 19.26 17.97 20.88 15.75 14.48 22.71 17.55 16.2622.47 17.23 15.93 25.52 20.22 18.90 21.60 16.38 15.08 23.59 18.32 17.01



Preferred/Standard

Age414243444546474849505152535455



Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3 Band 1 Band 2 Band 3Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic Basic23.28 17.95 16.62 26.63 21.22 19.87 22.33 17.02 15.70 24.48 19.12 17.7824.14 18.71 17.36 27.82 22.30 20.93 23.11 17.70 16.36 25.43 19.97 18.6025.06 19.53 18.15 29.10 23.47 22.06 23.94 18.43 17.06 26.43 20.87 19.4826.06 20.43 19.03 30.48 24.74 23.30 24.83 19.23 17.84 27.51 21.84 20.4227.11 21.38 19.95 31.95 26.09 24.62 25.77 20.07 18.65 28.64 22.87 21.4328.25 22.42 20.97 33.54 27.57 26.07 26.79 21.00 19.55 29.87 23.99 22.5229.44 23.51 22.02 35.22 29.12 27.59 27.84 21.95 20.48 31.13 25.15 23.6530.76 24.72 23.21 37.05 30.83 29.27 29.02 23.03 21.53 32.54 26.44 24.9232.19 26.05 24.50 39.04 32.69 31.09 30.29 24.20 22.68 34.05 27.85 26.2933.72 27.47 25.89 41.17 34.68 33.05 31.65 25.46 23.90 35.66 29.35 27.7635.41 29.04 27.44 43.50 36.87 35.20 33.16 26.86 25.28 37.44 31.01 29.3937.24 30.76 29.13 46.01 39.24 37.54 34.78 28.38 26.77 39.35 32.80 31.1539.25 32.65 30.99 48.74 41.83 40.08 36.57 30.05 28.41 41.43 34.76 33.0841.44 34.72 33.03 51.72 44.65 42.86 38.52 31.90 30.23 43.71 36.91 35.1943.85 37.01 35.28 54.95 47.72 45.89 40.66 33.92 32.22 46.19 39.26 37.51


Sagicor Life Inc 21st CENTURY LIFERIDER BENEFITS

Preferred/Standard


01234

56789

101112131415 2.58 3.87 1.25 0.11

16 2.65 3.98 1.25 0.1117 2.62 3.93 1.25 0.1118 2.67 4.01 1.25 0.1119 2.71 4.07 1.25 0.1120 2.74 4.11 1.25 0.11

21 2.76 4.14 1.25 0.1122 2.68 4.02 1.25 0.1123 2.69 4.04 1.25 0.1124 2.68 4.02 1.25 0.1125 2.67 4.01 1.25 0.11

26 2.65 3.98 1.25 0.1127 2.55 3.83 1.25 0.1128 2.52 3.78 1.25 0.1129 2.49 3.74 1.25 0.1130 2.45 3.68 1.25 0.11

31 2.48 3.72 1.28 0.1132 2.49 3.74 1.30 0.1133 2.45 3.68 1.33 0.1134 2.45 3.68 1.35 0.1235 2.49 3.74 1.38 0.12

36 2.53 3.80 1.42 0.1237 2.55 3.83 1.46 0.1338 2.61 3.92 1.50 0.1339 2.61 3.92 1.54 0.1340 2.64 3.96 1.58 0.14

41 2.66 3.99 1.65 0.1442 2.71 4.07 1.71 0.1543 2.74 4.11 1.78 0.1544 2.78 4.17 1.84 0.1645 2.87 4.31 1.91 0.16

46 2.96 4.44 2.03 0.1847 3.09 4.64 2.15 0.1948 3.24 4.86 2.27 0.2049 3.38 5.07 2.39 0.2150 3.47 5.21 2.51 0.22

51 3.54 5.31 2.51 0.2252 3.67 5.51 2.51 0.2253 3.88 5.82 2.51 0.2254 4.21 6.32 2.51 0.2255 5.88 8.82 2.51 0.22


andAccidental Death

Total Disability

July 1, 2006 1995 Series Page C. 4A.9


21ST CENTURY LIFE CASH VALUES PER $1,000 SUM ASSURED

Age AgeDuration 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 100 60 65

Age0 19 50 86 125 167 215 269 328 392 459 527 596 662 723 776 826 869 918 945 1,000 596 662 1 25 57 94 133 177 226 281 341 405 473 541 609 674 734 787 835 877 923 952 - 596 662 2 26 60 97 138 182 233 289 351 416 484 553 621 685 743 796 843 886 928 959 - 594 660 3 27 61 100 142 188 240 297 360 426 495 564 632 696 753 805 851 895 933 968 - 592 658 4 28 64 103 146 193 247 306 370 437 506 576 643 707 763 814 859 905 939 976 - 590 657 5 30 66 106 150 199 254 314 379 448 517 587 655 717 772 822 867 918 945 1,000 - 587 655 6 31 68 109 154 205 261 323 389 458 529 599 666 727 781 831 875 923 952 - - 585 653 7 32 70 112 159 211 269 332 399 469 540 610 677 737 790 839 884 928 959 - - 582 650 8 33 72 115 164 217 276 341 409 480 551 621 687 746 799 847 893 933 968 - - 580 648 9 34 74 118 168 223 284 350 419 491 563 632 698 756 808 855 904 939 976 - - 577 646

10 35 76 121 173 229 292 359 429 501 574 643 708 765 817 863 918 945 1,000 - - 574 643 11 36 78 125 178 236 300 369 440 513 585 654 718 775 825 872 923 952 - - - 571 641 12 37 80 129 183 243 309 378 451 524 596 665 728 784 834 881 928 959 - - - 568 638 13 38 82 132 189 250 317 388 461 535 608 676 737 793 842 891 933 968 - - - 564 636 14 39 85 136 194 258 326 398 472 546 619 687 747 802 850 903 939 976 - - - 561 633 15 40 87 140 200 265 334 407 482 558 630 697 756 810 859 918 945 1,000 - - - 558 630 16 41 90 145 206 273 344 418 494 569 641 707 766 820 868 923 952 - - - - 554 627 17 42 92 149 213 281 353 428 505 580 652 717 775 828 878 928 959 - - - - 550 624 18 44 96 154 219 289 363 439 516 591 663 727 785 837 889 933 968 - - - - 547 621 19 45 99 159 226 297 372 450 527 603 673 736 794 845 902 939 976 - - - - 543 617 20 46 102 164 233 306 382 460 538 614 684 746 803 854 918 945 1,000 - - - - 538 614 21 48 105 170 240 314 392 471 550 625 694 756 812 864 923 952 - - - - - 534 610 22 50 109 175 248 323 402 482 561 636 704 765 821 874 928 959 - - - - - 530 607 23 52 113 181 255 332 412 493 572 647 714 775 830 886 933 968 - - - - - 525 603 24 53 117 187 263 341 423 504 583 657 724 784 839 900 939 976 - - - - - 520 599 25 55 120 193 270 351 433 515 594 668 733 794 848 918 945 1,000 - - - - - 515 594 26 57 125 199 278 360 443 526 605 678 743 803 858 923 952 - - - - - - 510 590 27 59 129 205 286 369 454 537 616 688 753 812 870 928 959 - - - - - - 504 585 28 61 134 212 294 379 464 548 627 698 763 821 883 933 968 - - - - - - 498 580 29 64 138 218 303 388 475 559 637 708 772 831 898 939 976 - - - - - - 492 575 30 66 143 225 311 398 485 570 648 718 782 841 918 945 1,000 - - - - - - 485 570 31 68 147 231 320 408 496 581 658 727 791 851 923 952 - - - - - - - 479 564 32 71 152 238 328 418 507 591 668 737 801 864 928 959 - - - - - - - 471 558 33 73 157 245 337 428 517 602 678 747 810 878 933 968 - - - - - - - 464 552 34 76 162 252 345 438 528 612 687 757 820 896 939 976 - - - - - - - 456 545 35 78 166 259 354 448 538 622 697 766 831 918 945 1,000 - - - - - - - 448 538 36 81 172 266 363 458 549 632 707 776 842 923 952 - - - - - - - - 439 531 37 84 177 273 372 468 559 642 717 786 856 928 959 - - - - - - - - 430 523 38 86 182 281 381 478 569 651 727 796 872 933 968 - - - - - - - - 420 515 39 89 187 288 390 488 579 661 737 806 891 939 976 - - - - - - - - 410 507 40 92 192 296 399 497 589 671 747 818 918 945 1,000 - - - - - - - - 399 497 41 95 198 303 408 507 599 681 757 831 923 952 - - - - - - - - - 387 488 42 97 203 311 417 517 608 691 767 846 928 959 - - - - - - - - - 375 478 43 100 209 319 427 527 618 701 778 864 933 968 - - - - - - - - - 362 468 44 103 215 327 436 537 627 711 789 887 939 976 - - - - - - - - - 349 457 45 107 221 335 445 546 637 721 802 918 945 1,000 - - - - - - - - - 335 445 46 110 226 343 454 555 647 732 816 923 952 - - - - - - - - - - 320 433 47 113 232 351 464 565 657 742 833 928 959 - - - - - - - - - - 304 419 48 116 238 359 473 574 667 754 854 933 968 - - - - - - - - - - 287 405 49 119 245 367 482 583 677 766 881 939 976 - - - - - - - - - - 269 391 50 123 251 375 491 593 688 780 918 945 1,000 - - - - - - - - - - 251 375 51 126 257 383 499 602 699 796 923 952 - - - - - - - - - - - 231 359 52 130 263 391 508 612 710 816 928 959 - - - - - - - - - - - 210 341 53 133 270 399 516 622 722 841 933 968 - - - - - - - - - - - 188 323 54 137 276 407 525 634 736 874 939 976 - - - - - - - - - - - 165 303 55 141 283 415 534 644 752 918 945 1,000 - - - - - - - - - - - 141 283



21st CENTURY LIFE PAID-UP VALUES PER $1,000 OF SUM ASSURED

Age AgeDuration 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 60 65

Age0 85 202 312 409 492 569 640 702 758 805 844 878 906 928 945 961 976 1,000 878 906 1 110 225 334 426 510 586 655 715 767 814 851 884 910 932 949 964 979 - 878 906 2 112 232 338 433 514 591 659 721 773 818 856 887 912 933 951 966 983 - 875 903 3 114 231 341 436 520 596 663 724 776 821 858 890 915 935 953 968 987 - 872 900 4 116 238 344 439 522 601 669 730 781 825 862 892 918 938 955 971 992 - 869 899 5 121 240 347 442 527 605 672 732 785 828 865 896 920 940 956 973 1,000 - 865 896 6 123 242 349 444 531 608 677 737 788 833 869 899 923 942 959 976 - - 862 894 7 124 244 352 449 535 614 682 741 792 836 872 902 925 943 961 981 - - 858 889 8 125 246 354 454 539 616 686 745 796 839 874 904 927 946 964 985 - - 855 887 9 126 247 355 455 542 621 690 749 800 843 877 907 930 948 966 991 - - 850 884

10 127 249 357 458 545 625 694 752 802 846 880 909 931 951 969 1,000 - - 846 880 11 128 250 361 462 550 629 699 757 807 849 883 911 934 952 973 - - - 841 877 12 129 251 365 465 554 635 702 762 811 852 886 914 936 956 977 - - - 837 873 13 130 252 365 470 558 638 707 765 814 856 889 916 938 958 983 - - - 831 870 14 131 256 368 472 564 643 711 769 817 859 892 918 941 961 990 - - - 827 866 15 131 257 371 477 567 645 714 772 822 862 895 920 942 965 1,000 - - - 822 862 16 132 260 376 480 572 652 719 777 826 865 897 923 947 969 - - - - 816 858 17 132 260 379 486 577 656 723 781 829 869 900 926 949 974 - - - - 810 854 18 136 366 383 489 582 661 728 785 832 872 903 929 952 980 - - - - 806 850 19 136 268 387 495 586 665 733 789 837 874 905 931 955 989 - - - - 800 844 20 136 271 391 499 591 670 737 793 840 878 908 934 959 1,000 - - - - 793 840 21 139 273 397 504 595 675 741 798 844 881 911 937 964 - - - - - 787 835 22 142 277 400 510 600 679 746 802 847 884 914 941 969 - - - - - 781 831 23 144 281 405 514 605 683 750 805 851 887 917 944 977 - - - - - 774 825 24 144 285 409 519 609 689 755 809 853 890 920 948 987 - - - - - 766 820 25 146 286 414 522 615 693 759 813 858 892 924 952 1,000 - - - - - 759 813 26 148 292 418 527 619 697 763 817 861 896 927 957 - - - - - - 752 807 27 150 295 422 532 623 702 767 821 864 899 930 965 - - - - - - 743 800 28 152 300 427 536 629 706 772 825 867 903 934 974 - - - - - - 734 794 29 156 302 430 542 632 711 776 828 871 906 939 985 - - - - - - 725 787 30 158 307 435 546 637 715 780 832 874 910 944 1,000 - - - - - - 715 780 31 159 309 438 551 642 720 784 835 876 913 950 - - - - - - - 706 772 32 162 313 443 555 647 724 787 839 880 918 958 - - - - - - - 694 764 33 163 316 447 560 651 728 792 842 884 922 968 - - - - - - - 684 755 34 167 320 451 563 656 733 795 845 888 927 982 - - - - - - - 672 746 35 167 321 455 567 660 736 799 848 891 933 1,000 - - - - - - - 660 736 36 170 326 458 572 664 741 802 852 896 940 - - - - - - - - 647 727 37 173 329 462 576 669 745 806 856 901 949 - - - - - - - - 634 716 38 174 332 467 580 673 748 809 860 906 962 - - - - - - - - 619 705 39 176 335 470 584 677 752 813 865 911 977 - - - - - - - - 604 694 40 178 337 474 588 680 756 817 869 918 1,000 - - - - - - - - 588 680 41 180 341 477 592 684 760 821 874 927 - - - - - - - - - 571 668 42 181 343 482 596 689 763 825 879 938 - - - - - - - - - 553 654 43 183 347 486 602 693 768 830 885 953 - - - - - - - - - 534 640 44 185 351 490 606 698 771 834 892 973 - - - - - - - - - 515 625 45 188 354 494 609 701 775 839 901 1,000 - - - - - - - - - 494 609 46 190 356 498 613 704 780 845 911 - - - - - - - - - - 472 593 47 191 359 502 619 709 785 850 924 - - - - - - - - - - 448 574 48 193 363 506 623 713 789 858 942 - - - - - - - - - - 423 555 49 194 367 510 627 717 794 866 966 - - - - - - - - - - 397 536 50 197 370 514 631 722 800 876 1,000 - - - - - - - - - - 370 514 51 199 373 517 634 726 807 888 - - - - - - - - - - - 341 492 52 202 376 521 638 731 813 905 - - - - - - - - - - - 310 467 53 203 381 525 641 736 821 927 - - - - - - - - - - - 278 442 54 206 384 529 646 744 832 958 - - - - - - - - - - - 244 415 55 208 388 533 651 749 844 1,000 - - - - - - - - - - - 208 388


Sagicor Life Inc Peace Assured

February 1, 2007 Page C.4B.1

PEACE ASSURED Plan Features Peace Assured is a non-participating endowment assurance designed to meet funeral expenses. There is no underwriting and only one policy is allowed per life. On death, the Sum Assured is payable to the named beneficiary. The policyholder is required to name a beneficiary to expedite the claim settlement process. The full Sum Assured will only be paid in full after the 3rd policy anniversary. During this 3 year waiting period, the following grading will apply:

Age of policy Death Benefit 0 to 12 months Refund of all premiums 13 to 24 months 25% of Sum Insured 25 to 36 months 50% of Sum Insured After 3rd anniversary 100% of Sum Insured

The full Sum Assured will be paid on accidental death from the commencement of the policy. Term The plan terminates at the policy anniversary nearest age 85. Surviving policyholders will receive the full Sum Assured at that time. Premiums are payable for the first twenty-five years of the policy. Minimum Sum Assured Peace Assured is only available in the following Sum Assured options (local currency):

Barbados Trinidad OECS and Other US$ Policies* $5,000 $15,000 $5,000 $5,000

$10,000 $30,000 $10,000 $7,500 $15,000 $45,000 $15,000 $10,000 $20,000 $60,000 $20,000 -


Policy Fee There is no policy fee. Issue Ages Ages 18 to 60

Sagicor Life Inc Peace Assured


Premiums Annual and monthly premiums are shown on the following rate pages. Semi-annual and quarterly premiums are derived as follows: Semi-annual: Multiply the annual premium by 0.55 Quarterly: Multiply the annual premium by 0.29 Cash Values On surrender, the policyholder is entitled to a cash value calculated according to the schedule of guaranteed cash values contained in the contract. Available Additional Benefits No benefits may be added to this plan. Commissions Commissions will be paid as earned. The following table sets out the existing commission structure.

Year Commission Rate 1 35% 2 20%

Thereafter 3.5% Reinsurance There is no reinsurance on these policies.

Sagicor Life Inc.

PEACE ASSUREDPREMIUM RATES

Preferred/Standard

Age Annual Monthly Age Annual Monthly Age Annual Monthly18 20.00 2.00 18 21.00 2.10 18 20.00 2.0019 20.00 2.00 19 21.00 2.10 19 20.00 2.0020 20.00 2.00 20 21.00 2.10 20 20.00 2.0021 20.00 2.00 21 21.00 2.10 21 20.00 2.0022 20.00 2.00 22 21.00 2.10 22 20.00 2.0023 20.00 2.00 23 21.00 2.10 23 20.00 2.0024 20.00 2.00 24 21.00 2.10 24 20.00 2.0025 20.00 2.00 25 21.00 2.10 25 20.00 2.0026 20.00 2.00 26 21.00 2.10 26 20.00 2.0027 20.00 2.00 27 21.00 2.10 27 20.00 2.0028 20.00 2.00 28 21.00 2.10 28 20.00 2.0029 20.00 2.00 29 21.00 2.10 29 20.00 2.0030 20.00 2.00 30 21.00 2.10 30 20.00 2.0031 29.00 2.90 31 30.00 3.00 31 28.00 2.8032 29.00 2.90 32 30.00 3.00 32 28.00 2.8033 29.00 2.90 33 30.00 3.00 33 28.00 2.8034 29.00 2.90 34 30.00 3.00 34 28.00 2.8035 29.00 2.90 35 30.00 3.00 35 28.00 2.8036 29.00 2.90 36 30.00 3.00 36 28.00 2.8037 29.00 2.90 37 30.00 3.00 37 28.00 2.8038 29.00 2.90 38 30.00 3.00 38 28.00 2.8039 29.00 2.90 39 30.00 3.00 39 28.00 2.8040 29.00 2.90 40 30.00 3.00 40 28.00 2.8041 43.00 4.30 41 45.00 4.50 41 42.00 4.2042 43.00 4.30 42 45.00 4.50 42 42.00 4.2043 43.00 4.30 43 45.00 4.50 43 42.00 4.2044 43.00 4.30 44 45.00 4.50 44 42.00 4.2045 43.00 4.30 45 45.00 4.50 45 42.00 4.2046 43.00 4.30 46 45.00 4.50 46 42.00 4.2047 43.00 4.30 47 45.00 4.50 47 42.00 4.2048 43.00 4.30 48 45.00 4.50 48 42.00 4.2049 43.00 4.30 49 45.00 4.50 49 42.00 4.2050 43.00 4.30 50 45.00 4.50 50 42.00 4.2051 59.00 5.90 51 61.00 6.10 51 58.00 5.8052 59.00 5.90 52 61.00 6.10 52 58.00 5.8053 59.00 5.90 53 61.00 6.10 53 58.00 5.8054 59.00 5.90 54 61.00 6.10 54 58.00 5.8055 59.00 5.90 55 61.00 6.10 55 58.00 5.8056 76.00 7.60 56 79.00 7.90 56 75.00 7.5057 76.00 7.60 57 79.00 7.90 57 75.00 7.5058 76.00 7.60 58 79.00 7.90 58 75.00 7.5059 76.00 7.60 59 79.00 7.90 59 75.00 7.5060 76.00 7.60 60 79.00 7.90 60 75.00 7.50

*Curacao, Aruba, St. Maarten, Trinidad, Anguilla and International Only

Note that rates do not vary by sex or smoking status.

Barbados OECS & US$ Policies* Trinidad

Premium Rate per 1000 Premium Rate per 1000 Premium Rate per 1000

February 1, 2007 1997 Series PAGE C.4B.3

Sagicor Life Inc.

PEACE ASSURED

Please note that this page has been intentionally left blank.

February 1, 2007 PAGE C.4B.4

Sagicor Life Inc.

PEACE ASSURED



Sagicor Life Inc.

PEACE ASSURED



Sagicor Life Inc PEACE ASSUREDCASH VALUES AND PAID-UP VALUES PER $1,000 SUM ASSURED

ISSUE AGE 18 19 20 21 22 23 24 25YEAR CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU CSV PU

1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 1 5 1 10 1 16 1 25 1 30 1 35 2 43 2 524 2 60 2 67 3 75 3 85 4 91 4 99 5 108 6 1185 4 116 5 124 5 133 6 145 7 153 8 162 9 172 10 184

6 7 172 7 182 8 192 9 205 10 214 11 224 12 235 14 2467 9 227 10 238 11 250 12 264 14 274 15 285 16 296 18 3078 12 283 13 295 14 307 16 322 17 332 19 343 21 354 23 3659 15 338 16 351 18 364 20 378 22 388 24 399 26 410 28 420

10 18 393 20 406 22 418 24 432 26 442 28 453 31 463 34 473

11 22 446 24 459 26 471 29 484 31 494 34 504 36 513 40 52312 26 498 28 510 31 522 34 534 36 544 39 553 42 561 46 57013 31 548 33 560 36 571 39 582 42 591 45 599 49 607 53 61514 35 597 38 607 41 617 45 628 48 636 52 643 56 650 60 65715 40 643 44 652 47 662 51 671 55 678 59 685 63 691 68 697

16 46 687 49 696 53 704 57 712 62 718 66 724 71 729 76 73417 52 729 56 737 60 744 64 751 69 756 74 761 79 766 85 77018 58 769 63 776 67 782 72 788 77 792 83 796 88 800 94 80419 65 807 70 813 75 818 80 823 86 826 91 830 98 833 104 83620 72 843 78 848 83 852 89 856 95 859 101 862 108 864 115 866

AGE 60 300 300 300 300 300 300 300 300AGE 65 379 379 379 379 379 379 379 379


1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 3 58 3 65 4 69 4 72 5 76 5 79 6 80 6 834 7 126 7 133 8 138 9 141 10 146 11 149 11 151 12 1545 11 192 12 199 13 205 14 208 15 214 16 216 18 218 19 221

6 15 255 16 263 18 268 19 272 21 277 23 280 24 282 26 2857 20 315 22 323 23 329 25 332 27 338 29 340 31 342 34 3448 25 373 27 381 29 386 31 390 34 394 36 397 39 398 41 4009 30 428 33 435 35 440 38 444 41 448 44 450 47 451 50 453

10 36 480 39 487 42 491 45 495 49 498 52 500 55 501 59 502

11 43 529 46 535 49 540 53 542 57 546 60 547 64 548 68 54912 49 576 53 582 57 585 61 588 65 591 69 592 74 592 79 59313 57 620 61 625 65 628 69 630 74 633 79 634 84 634 89 63414 64 662 69 666 74 669 79 670 84 672 89 673 95 673 101 67315 73 701 78 705 83 707 88 708 94 710 100 710 106 710 112 710

16 81 738 87 741 93 743 99 744 105 745 111 745 118 745 125 74517 91 773 97 776 103 777 109 778 116 779 123 779 131 778 138 77818 101 806 107 808 114 810 121 810 128 811 136 810 144 810 152 80919 111 838 118 839 125 840 133 841 141 841 149 841 158 840 167 83920 122 868 130 869 138 870 146 870 155 870 163 870 173 869 182 868

AGE 60 300 300 300 300 300 300 300 300AGE 65 379 379 379 379 379 379 379 379




1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 7 84 7 84 8 84 8 84 9 84 9 83 10 83 10 814 13 155 14 155 15 155 16 154 17 155 18 154 19 153 20 1515 20 222 22 222 23 222 24 221 26 221 27 220 29 219 31 217

6 28 285 30 285 31 285 33 284 35 284 37 283 40 281 42 2797 36 345 38 344 40 344 43 343 45 343 48 341 51 340 53 3378 44 401 47 400 50 400 53 399 56 398 59 396 62 394 66 3919 53 453 56 452 60 452 63 450 67 449 71 447 75 445 78 442

10 63 502 66 502 70 501 75 499 79 498 83 495 88 493 92 490

11 73 549 77 548 82 547 86 545 91 543 96 541 101 538 106 53512 83 592 88 591 93 590 99 588 104 586 110 584 116 581 121 57813 95 634 100 632 106 630 112 628 118 627 124 624 131 622 137 61814 106 672 112 671 119 669 125 667 132 665 139 663 146 660 153 65715 119 709 126 707 133 706 140 704 147 702 155 699 163 696 170 693

16 132 744 139 742 147 740 155 738 163 736 171 734 180 731 188 72717 146 777 154 775 162 773 171 771 180 769 189 767 198 764 207 76118 161 808 169 807 178 805 188 803 197 801 207 798 216 796 227 79319 176 838 185 837 195 835 205 833 215 831 225 829 236 826 247 82420 192 867 202 866 213 864 223 862 234 861 245 859 257 857 269 854

AGE 60 300 300 1000 292 974 284 946 276 917 267 888 257 857 247 824AGE 65 379 379 379 379 379 379 379 1000 368 971


1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 10 80 11 79 11 77 12 75 12 73 12 70 13 67 13 664 21 149 22 148 23 145 24 143 25 141 26 138 27 135 28 1335 32 215 34 213 35 210 37 208 39 205 40 202 42 200 44 197

6 44 277 46 274 48 271 50 269 53 266 55 263 58 260 60 2567 56 334 59 332 62 329 65 326 68 323 71 319 74 316 77 3128 69 388 72 386 76 383 80 380 83 376 87 372 91 368 94 3649 83 439 87 437 91 433 95 430 100 426 104 422 108 418 113 414

10 97 487 102 484 107 481 111 477 116 473 121 469 126 465 132 461

11 112 532 117 529 123 526 128 522 134 518 140 513 146 509 152 50612 127 575 134 572 140 568 146 564 152 560 159 555 166 552 173 54813 144 615 150 612 157 608 164 604 172 600 179 596 187 592 195 58914 161 653 168 650 176 646 184 642 192 639 200 635 209 631 217 62815 178 689 187 686 195 682 204 679 213 676 222 672 232 668 241 664

16 197 724 206 721 216 718 225 714 235 711 245 707 255 704 265 70017 217 758 227 755 237 752 248 748 258 745 269 741 279 737 290 73418 237 790 248 787 259 784 271 781 282 778 293 774 305 771 317 76719 259 821 271 819 283 816 295 813 307 810 319 806 331 803 344 79920 282 852 294 850 307 847 320 844 333 841 346 838 360 835 373 832

AGE 60 237 790 227 755 216 718 204 679 192 639 179 596 166 552 152 506AGE 65 356 941 345 910 333 878 320 844 307 810 293 774 279 737 265 700




1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 02 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 03 13 63 13 60 14 63 16 67 18 72 21 77 23 82 26 884 29 130 29 126 31 128 34 131 37 135 40 140 43 145 47 1505 45 193 46 189 49 190 52 193 56 197 60 201 65 205 69 210

6 62 252 64 248 68 248 72 251 76 255 82 259 87 262 92 2667 80 308 82 303 87 304 92 306 98 310 103 313 109 316 115 3188 98 360 102 356 107 356 113 359 119 361 126 364 132 365 139 3679 117 410 122 406 128 406 135 408 142 410 149 411 156 412 163 413

10 137 457 143 453 150 453 157 454 165 455 173 456 180 456 188 456

11 158 502 165 498 172 498 180 498 189 498 197 498 205 498 214 49812 180 545 187 541 196 539 204 539 213 538 222 538 231 538 241 53813 203 585 211 581 219 579 229 578 238 577 248 576 259 576 269 57614 226 623 234 619 244 617 254 615 264 614 275 614 287 613 299 61315 250 660 259 655 270 653 281 651 292 650 304 650 316 649 329 648

16 275 695 285 691 296 688 308 687 321 686 334 684 347 683 361 68217 301 729 312 725 324 723 338 721 351 720 365 718 379 717 395 71618 328 763 341 759 354 757 368 755 383 753 398 752 414 751 431 75019 357 796 371 792 385 790 400 788 416 787 433 785 450 784 469 78320 388 829 403 825 418 823 435 822 452 820 470 819 490 817 511 817

AGE 60 137 457 122 406 107 356 92 306 76 255 60 201 43 145 26 88AGE 65 250 660 234 619 219 579 204 539 189 498 173 456 156 412 139 367

ISSUE AGE 58 59 60YEAR CSV PU CSV PU CSV PU

1 0 0 0 0 0 02 0 0 0 0 0 03 29 94 32 99 35 1024 51 155 55 158 58 1615 74 214 78 216 82 218

6 97 268 102 270 107 2717 121 320 127 321 133 3218 145 368 152 368 159 3699 171 413 178 414 186 414

10 197 457 205 457 214 457

11 224 498 233 498 243 49812 252 538 262 538 273 53813 281 576 292 576 304 57514 311 612 324 612 337 61115 343 647 356 647 371 646

16 376 682 391 681 408 68117 411 715 429 715 448 71518 449 749 469 749 491 74919 490 782 513 783 538 78320 535 816 561 816 591 817

AGE 60AGE 65 121 320 102 270 82 218


Sagicor Life Inc Life Protector III


LIFE PROTECTOR III Plan Features Life Protector is a non-participating life insurance product. The Sum Insured is level over the term of the policy and is paid on diagnosis of one of the following critical illnesses, subject to certain conditions. Critical Illnesses covered are: Heart Attack, Stroke, Coronary Artery Disease requiring surgery, Alzheimer’s Disease, Cancer, Renal Failure, Paralysis, Major Organ Transplant, Heart Valve and Structural Surgery, Multiple Sclerosis, Blindness, Major Burns, Coma, Benign Brain Tumour, Deafness, Loss of Limbs, Loss of Speech, Motor Neuron Disease, Parkinson’s Disease, Aorta surgery and Loss of Independent Existence. Built into the premium for the Life Protector policy is a provision that if death occurs whilst the policy is in force andwithout any claims being made, all the premiums are refunded to a designated beneficiary. The premiums refunded will be those paid for the Life Protector coverage only and including the policy fee. Term Two critical illness coverage periods are available – Life Protector III to 65 and Life Protector III to 75. Coverage under the Life Protector III to 65 programme ceases at age 65 and premiums are payable until age 65. Coverage under the Life Protector III to 75 programme ceases at age 75 and premiums are payable until age 75. Sum Insured Limits (Local Currency)

Territory Minimum SI Maximum SI

Barbados 25,000 1,000,000

US$ Policies (Trinidad & Int.) 25,000 500,000

Trinidad 75,000 2,000,000 OECS and Other 25,000 1,000,000

Annual Policy Fees (Local Currency):

Territory Barbados 230 US$ Policies (Trinidad & Int.) 115 OECS 230 Trinidad 570



Minimum Annualized Premium (Local Currency):

Per coverage

Per policy (Savings

premium not counted toward

this) Barbados 370 600 US$ Policies (Trinidad & Int.) 285 400 OECS 370 600 Trinidad 1,230 1,800

The per policy and per coverage limits BOTH apply in addition to the minimum Face Amount limit. The premium in respect of the policy fee is counted towards the per policy minimum but not towards the per coverage minimum. Any savings premium would not be counted toward the per policy minimum. Issue Ages Life Protector III to 65 - Ages 20 to 55 Life Protector III to 75 – Ages 20 to 65 Cash Values No Cash Values are available under this product. Available Additional Benefits

• Accidental Death and Dismemberment • Total Disability Waiver of Premium



Commissions The following table sets out the commission rates by policy year. Commission rates vary by coverage period, premium band and issue age. First year commission is paid in advance and cross-sell bonuses apply in accordance with Sagicor’s Enterprise Compensation System.

Commission rates

All Bands – Life Protector

III to 65

Band 1 – Life Protector III to

75


75


75 Policy year 1 Issue age <=35 50% 40% 50% 60% Policy year 1 Issue age >35 50% 30% 35% 40% Policy year 2 10% 10% 10% 10% Policy years 3 – 5 5% 5% 5% 5% Commission rate thereafter 0% 0% 0% 0%

Premium bands (in local currency) used to determine the first year commission rate are follows:

Annualized coverage premium Territory Band 1 Band 2 Band 3

Barbados $480 to $1,439 $1,440 to $1,919 $1,920 and above

*US$ Policies (Trinidad & Int.) $240 to $719 $720 to $959 $960 and above

OECS $480 to $1,439 $1,440 to $1,919 $1,920 and above

Trinidad $1,200 to $3,599 $3,600 to $4,799 $4,800 and above

The premium in respect of the policy fee is not included in the annualized coverage premium for the purpose of determining the applicable commission band. Instead, the commission on the premium in respect of the policy fee is calculated separately using the commission rates applicable to the Life Protector III to age 65.



Reinsurance Limits The Retention for each Life Insured is the maximum amount of risk which the company can retain on its own account. All amounts in excess of this limit are ceded to the Reinsurance Company. This automatic cover varies by Reinsurance Treaty and by Territory. The limits under the current treaties are set out below.

Reinsurance Limits (Sagicor Life) Currency Automatic Cover

BDS$ 750,000 TT$ 1,500,000 EC$ 750,000 US$ 375,000

Advisors must check with the Reinsurance and Underwriting departments before quoting on cases above these limits. The Reinsurer will not provide reinsurance on a life where the amount of Life Protector applied for or inforce on that life together with any other amounts of Critical Illness and Lump Sum Total and Permanent Disability inforce on that life with other companies, exceeds the limits below.

Reinsurance Limits for Life Protector III (Sagicor Life)

Currency Jumbo Limit

TT$ 2,000,000 BDS$ 1,000,000 EC$ 1,000,000 US$ 500,000

Sagicor Life Inc Preferred / Standard

AGE Preferred Standard Preferred Standard

20 2.86 4.32 2.74 4.04

21 2.99 4.57 2.87 4.28

22 3.12 4.83 3.03 4.55

23 3.26 5.12 3.17 4.83

24 3.41 5.42 3.33 5.13

25 3.70 6.03 3.62 5.71

26 3.85 6.38 3.77 6.05

27 4.03 6.77 3.94 6.39

28 4.20 7.18 4.11 6.75

29 4.41 7.65 4.29 7.15

30 4.81 8.59 4.63 7.95

31 5.05 9.15 4.83 8.40

32 5.31 9.77 5.05 8.91

33 5.61 10.45 5.28 9.42

34 5.92 11.21 5.52 10.00

35 6.56 12.41 6.00 11.09

36 6.94 13.33 6.28 11.76

37 7.36 14.34 6.58 12.46

38 7.81 15.46 6.90 13.21

39 8.29 16.67 7.24 14.03

40 9.36 18.12 7.90 14.85

41 9.94 19.58 8.27 15.74

42 10.57 21.19 8.67 16.68

43 11.25 22.92 9.09 17.66

44 11.98 24.82 9.52 18.63

45 13.00 26.86 10.40 19.70

46 13.82 29.02 10.88 20.75

47 14.67 31.31 11.39 21.84

48 15.60 33.76 11.91 22.91

49 16.58 36.36 12.49 24.09

50 17.61 39.09 13.20 25.31

51 18.73 42.05 13.89 26.63

52 19.95 45.19 14.67 28.12

53 21.29 48.57 15.57 29.79

54 22.74 52.24 16.58 31.56

55 24.35 56.14 17.84 33.78

LIFE PROTECTOR III 65

PREMIUM RATES PER $1000 - BARBADOSMALE FEMALE




20 2.86 4.32 2.74 4.04

21 2.99 4.57 2.87 4.28

22 3.12 4.83 3.03 4.55

23 3.26 5.12 3.17 4.83

24 3.41 5.42 3.33 5.13

25 3.70 6.03 3.62 5.71

26 3.85 6.38 3.77 6.05

27 4.03 6.77 3.94 6.39

28 4.20 7.18 4.11 6.75

29 4.41 7.65 4.29 7.15

30 4.81 8.59 4.63 7.95

31 5.05 9.15 4.83 8.40

32 5.31 9.77 5.05 8.91

33 5.61 10.45 5.28 9.42

34 5.92 11.21 5.52 10.00

35 6.56 12.41 6.00 11.09

36 6.94 13.33 6.28 11.76

37 7.36 14.34 6.58 12.46

38 7.81 15.46 6.90 13.21

39 8.29 16.67 7.24 14.03

40 9.36 18.12 7.90 14.85

41 9.94 19.58 8.27 15.74

42 10.57 21.19 8.67 16.68

43 11.25 22.92 9.09 17.66

44 11.98 24.82 9.52 18.63

45 13.00 26.86 10.40 19.70

46 13.82 29.02 10.88 20.75

47 14.67 31.31 11.39 21.84

48 15.60 33.76 11.91 22.91

49 16.58 36.36 12.49 24.09

50 17.61 39.09 13.20 25.31

51 18.73 42.05 13.89 26.63

52 19.95 45.19 14.67 28.12

53 21.29 48.57 15.57 29.79

54 22.74 52.24 16.58 31.56

55 24.35 56.14 17.84 33.78


PREMIUM RATES PER $1000 - EASTERN CARIBBEANMALE FEMALE




20 2.60 3.93 2.49 3.67

21 2.72 4.15 2.61 3.89

22 2.84 4.39 2.75 4.14

23 2.96 4.65 2.88 4.39

24 3.10 4.93 3.03 4.66

25 3.36 5.48 3.29 5.19

26 3.50 5.80 3.43 5.50

27 3.66 6.15 3.58 5.81

28 3.82 6.53 3.74 6.14

29 4.01 6.95 3.90 6.50

30 4.37 7.81 4.21 7.23

31 4.59 8.32 4.39 7.64

32 4.83 8.88 4.59 8.10

33 5.10 9.50 4.80 8.56

34 5.38 10.19 5.02 9.09

35 5.96 11.28 5.45 10.08

36 6.31 12.12 5.71 10.69

37 6.69 13.04 5.98 11.33

38 7.10 14.05 6.27 12.01

39 7.54 15.15 6.58 12.75

40 8.51 16.47 7.18 13.50

41 9.04 17.80 7.52 14.31

42 9.61 19.26 7.88 15.16

43 10.23 20.84 8.26 16.05

44 10.89 22.56 8.65 16.94

45 11.82 24.42 9.45 17.91

46 12.56 26.38 9.89 18.86

47 13.34 28.46 10.35 19.85

48 14.18 30.69 10.83 20.83

49 15.07 33.05 11.35 21.90

50 16.01 35.54 12.00 23.01

51 17.03 38.23 12.63 24.21

52 18.14 41.08 13.34 25.56

53 19.35 44.15 14.15 27.08

54 20.67 47.49 15.07 28.69

55 22.14 51.04 16.22 30.71


PREMIUM RATES PER $1000 - TRINIDADMALE FEMALE




20 3.12 4.72 2.99 4.40

21 3.26 4.98 3.13 4.67

22 3.41 5.27 3.30 4.97

23 3.55 5.58 3.46 5.27

24 3.72 5.92 3.64 5.59

25 4.03 6.58 3.95 6.23

26 4.20 6.96 4.12 6.60

27 4.39 7.38 4.30 6.97

28 4.58 7.84 4.49 7.37

29 4.81 8.34 4.68 7.80

30 5.24 9.37 5.05 8.68

31 5.51 9.98 5.27 9.17

32 5.80 10.66 5.51 9.72

33 6.12 11.40 5.76 10.27

34 6.46 12.23 6.02 10.91

35 7.15 13.54 6.54 12.10

36 7.57 14.54 6.85 12.83

37 8.03 15.65 7.18 13.60

38 8.52 16.86 7.52 14.41

39 9.05 18.18 7.90 15.30

40 10.21 19.76 8.62 16.20

41 10.85 21.36 9.02 17.17

42 11.53 23.11 9.46 18.19

43 12.28 25.01 9.91 19.26

44 13.07 27.07 10.38 20.33

45 14.18 29.30 11.34 21.49

46 15.07 31.66 11.87 22.63

47 16.01 34.15 12.42 23.82

48 17.02 36.83 13.00 25.00

49 18.08 39.66 13.62 26.28

50 19.21 42.65 14.40 27.61

51 20.44 45.88 15.16 29.05

52 21.77 49.30 16.01 30.67

53 23.22 52.98 16.98 32.50

54 24.80 56.99 18.08 34.43

55 26.57 61.25 19.46 36.85


PREMIUM RATES PER $1000 - TRINIDAD (US$)MALE FEMALE




20 3.07 4.50 2.83 4.10

21 3.23 4.80 2.98 4.39

22 3.41 5.12 3.16 4.70

23 3.60 5.46 3.34 5.02

24 3.80 5.83 3.53 5.37

25 4.09 6.40 3.81 5.89

26 4.31 6.84 4.00 6.27

27 4.54 7.32 4.21 6.68

28 4.81 7.83 4.42 7.12

29 5.09 8.40 4.65 7.58

30 5.51 9.31 4.98 8.29

31 5.86 10.01 5.25 8.83

32 6.24 10.79 5.52 9.44

33 6.64 11.65 5.82 10.07

34 7.10 12.61 6.14 10.76

35 7.26 14.10 6.20 11.81

36 7.46 14.39 6.27 12.52

37 7.99 14.67 6.62 13.23

38 8.57 15.94 7.01 13.93

39 9.19 17.31 7.40 14.64

40 10.19 19.40 7.91 15.34

41 10.95 21.10 8.35 16.05

42 11.76 22.96 8.82 16.75

43 12.65 24.99 9.33 17.83

44 13.60 27.21 9.85 18.91

45 14.94 30.11 10.56 20.52

46 16.02 32.70 11.13 21.68

47 17.18 35.51 11.73 22.90

48 18.43 38.56 12.35 24.12

49 19.77 41.83 13.02 25.44

50 21.70 45.40 13.97 27.19

51 23.27 49.27 14.73 28.63

52 24.95 53.43 15.55 30.20

53 26.76 57.93 16.43 31.85

54 28.71 62.82 17.36 33.50

55 31.08 67.99 19.00 35.72

56 33.32 73.51 20.09 37.55

57 35.68 79.35 21.25 39.49

58 38.17 85.49 22.50 41.54

59 40.76 91.83 23.80 43.62

60 43.42 98.29 25.18 45.75

61 46.18 104.85 26.65 48.00

62 49.01 111.46 28.20 50.33

63 51.89 118.03 29.84 52.77

64 54.79 124.36 31.53 55.25

65 57.71 130.34 33.41 58.00


PREMIUM RATES PER $1000 - BARBADOSMALE FEMALE




20 3.07 4.50 2.83 4.10

21 3.23 4.80 2.98 4.39

22 3.41 5.12 3.16 4.70

23 3.60 5.46 3.34 5.02

24 3.80 5.83 3.53 5.37

25 4.09 6.40 3.81 5.89

26 4.31 6.84 4.00 6.27

27 4.54 7.32 4.21 6.68

28 4.81 7.83 4.42 7.12

29 5.09 8.40 4.65 7.58

30 5.51 9.31 4.98 8.29

31 5.86 10.01 5.25 8.83

32 6.24 10.79 5.52 9.44

33 6.64 11.65 5.82 10.07

34 7.10 12.61 6.14 10.76

35 7.26 14.10 6.20 11.81

36 7.46 14.39 6.27 12.52

37 7.99 14.67 6.62 13.23

38 8.57 15.94 7.01 13.93

39 9.19 17.31 7.40 14.64

40 10.19 19.40 7.91 15.34

41 10.95 21.10 8.35 16.05

42 11.76 22.96 8.82 16.75

43 12.65 24.99 9.33 17.83

44 13.60 27.21 9.85 18.91

45 14.94 30.11 10.56 20.52

46 16.02 32.70 11.13 21.68

47 17.18 35.51 11.73 22.90

48 18.43 38.56 12.35 24.12

49 19.77 41.83 13.02 25.44

50 21.70 45.40 13.97 27.19

51 23.27 49.27 14.73 28.63

52 24.95 53.43 15.55 30.20

53 26.76 57.93 16.43 31.85

54 28.71 62.82 17.36 33.50

55 31.08 67.99 19.00 35.72

56 33.32 73.51 20.09 37.55

57 35.68 79.35 21.25 39.49

58 38.17 85.49 22.50 41.54

59 40.76 91.83 23.80 43.62

60 43.42 98.29 25.18 45.75

61 46.18 104.85 26.65 48.00

62 49.01 111.46 28.20 50.33

63 51.89 118.03 29.84 52.77

64 54.79 124.36 31.53 55.25

65 57.71 130.34 33.41 58.00


PREMIUM RATES PER $1000 - EASTERN CARIBBEANMALE FEMALE




20 2.79 4.09 2.57 3.73

21 2.94 4.36 2.71 3.99

22 3.10 4.65 2.87 4.27

23 3.27 4.96 3.04 4.56

24 3.45 5.30 3.21 4.88

25 3.72 5.82 3.46 5.35

26 3.92 6.22 3.64 5.70

27 4.13 6.65 3.83 6.07

28 4.37 7.12 4.02 6.47

29 4.63 7.64 4.23 6.89

30 5.01 8.46 4.53 7.54

31 5.33 9.10 4.77 8.03

32 5.67 9.81 5.02 8.58

33 6.04 10.59 5.29 9.15

34 6.45 11.46 5.58 9.78

35 6.60 12.82 5.64 10.74

36 6.78 13.08 5.70 11.38

37 7.26 13.34 6.02 12.02

38 7.79 14.49 6.37 12.66

39 8.35 15.74 6.73 13.31

40 9.26 17.64 7.19 13.95

41 9.95 19.18 7.59 14.59

42 10.69 20.87 8.02 15.23

43 11.50 22.72 8.48 16.21

44 12.36 24.74 8.95 17.19

45 13.58 27.37 9.60 18.65

46 14.56 29.73 10.12 19.71

47 15.62 32.28 10.66 20.82

48 16.75 35.05 11.23 21.93

49 17.97 38.03 11.84 23.13

50 19.73 41.27 12.70 24.72

51 21.15 44.79 13.39 26.03

52 22.68 48.57 14.14 27.45

53 24.33 52.66 14.94 28.95

54 26.10 57.11 15.78 30.45

55 28.25 61.81 17.27 32.47

56 30.29 66.83 18.26 34.14

57 32.44 72.14 19.32 35.90

58 34.70 77.72 20.45 37.76

59 37.05 83.48 21.64 39.65

60 39.47 89.35 22.89 41.59

61 41.98 95.32 24.23 43.64

62 44.55 101.33 25.64 45.75

63 47.17 107.30 27.13 47.97

64 49.81 113.05 28.66 50.23

65 52.46 118.49 30.37 52.73


PREMIUM RATES PER $1000 - TRINIDADMALE FEMALE




20 3.35 4.91 3.08 4.48

21 3.53 5.23 3.25 4.79

22 3.72 5.58 3.44 5.12

23 3.92 5.95 3.65 5.47

24 4.14 6.36 3.85 5.86

25 4.46 6.98 4.15 6.42

26 4.70 7.46 4.37 6.84

27 4.96 7.98 4.60 7.28

28 5.24 8.54 4.82 7.76

29 5.56 9.17 5.08 8.27

30 6.01 10.15 5.44 9.05

31 6.40 10.92 5.72 9.64

32 6.80 11.77 6.02 10.30

33 7.25 12.71 6.35 10.98

34 7.74 13.75 6.70 11.74

35 7.92 15.38 6.77 12.89

36 8.14 15.70 6.84 13.66

37 8.71 16.01 7.22 14.43

38 9.35 17.39 7.64 15.20

39 10.02 18.89 8.08 15.97

40 11.11 21.17 8.63 16.74

41 11.94 23.02 9.11 17.51

42 12.83 25.04 9.62 18.28

43 13.80 27.26 10.18 19.45

44 14.83 29.69 10.74 20.63

45 16.30 32.84 11.52 22.38

46 17.47 35.68 12.14 23.65

47 18.74 38.74 12.79 24.98

48 20.10 42.06 13.48 26.32

49 21.56 45.64 14.21 27.76

50 23.68 49.52 15.24 29.66

51 25.38 53.75 16.07 31.24

52 27.22 58.28 16.97 32.94

53 29.20 63.19 17.93 34.74

54 31.32 68.53 18.94 36.54

55 33.90 74.17 20.72 38.96

56 36.35 80.20 21.91 40.97

57 38.93 86.57 23.18 43.08

58 41.64 93.26 24.54 45.31

59 44.46 100.18 25.97 47.58

60 47.36 107.22 27.47 49.91

61 50.38 114.38 29.08 52.37

62 53.46 121.60 30.77 54.90

63 56.60 128.76 32.56 57.56

64 59.77 135.66 34.39 60.28

65 62.95 142.19 36.44 63.28


PREMIUM RATES PER $1000 - TRINIDAD (US$)MALE FEMALE


Sagicor Life Inc

Life Protector III - Rider Benefits

Preferred/Standard

Total Disability Waiver of Premium AD&D Premium

(% of premium) (per $1,000 Sum Assured)

Age Males Females Annual Monthly

20 2.74 4.11 1.00 0.09

21 2.76 4.14 1.00 0.09

22 2.68 4.02 1.00 0.09

23 2.69 4.04 1.00 0.09

24 2.68 4.02 1.00 0.09

25 2.67 4.01 1.00 0.09

26 2.65 3.98 1.00 0.09

27 2.55 3.83 1.00 0.09

28 2.52 3.78 1.00 0.09

29 2.49 3.74 1.00 0.09

30 2.45 3.68 1.00 0.09

31 2.48 3.72 1.00 0.09

32 2.49 3.74 1.00 0.09

33 2.45 3.68 1.00 0.09

34 2.45 3.68 1.00 0.09

35 2.49 3.74 1.00 0.09

36 2.53 3.80 1.00 0.09

37 2.55 3.83 1.00 0.09

38 2.61 3.92 1.00 0.09

39 2.61 3.92 1.00 0.09

40 2.64 3.96 1.00 0.09

41 2.66 3.99 1.03 0.09

42 2.71 4.07 1.05 0.09

43 2.74 4.11 1.08 0.09

44 2.78 4.17 1.10 0.10

45 2.87 4.31 1.13 0.10

46 2.96 4.44 1.15 0.10

47 3.09 4.64 1.18 0.10

48 3.24 4.86 1.20 0.11

49 3.38 5.07 1.23 0.11

50 3.74 5.21 1.25 0.11

51 3.54 5.31 1.35 0.12

52 3.67 5.51 1.45 0.13

53 3.88 5.82 1.55 0.14

54 4.21 6.32 1.65 0.14

55 5.88 8.82 1.75 0.15

56 1.80 0.16

57 1.85 0.16

58 1.90 0.17

59 1.95 0.17

60 2.00 0.18


Sagicor Life Inc Triple Protector


TRIPLE PROTECTOR – COUPON PRODUCT Plan Features Sagicor’s first coupon insurance product is the Triple Protector - a Critical Illness Plan. The background to providing this type of facility is to simplify the sales and policy issue process. In essence, the client answers five questions and if the responses are in the negative the policy is issued with no underwriting. If one or more of the answers to the questions are in the affirmative, the client is not eligible. The Agent advises the client at the time of sale. In that type of situation, no documentation is submitted unless the client is interested in pursuing the matter further through the acquisition of a Life Protector or Individual Life Contract, in which case, the normal underwriting rules will prevail. This policy cannot form part of a “Life Solutions” Plan. Issue Ages 20 – 60 Maximum and Minimum Sums Assured (SA) and Policy Fees

Territory Currency Minimum SA Maximum SA Policy FeeBarbados BDS$ 20,000 40,000 60Trinidad TT$ 60,000 120,000 120OECS EC$ 20,000 40,000 60Curacao NAF 20,000 40,000 60Belize BZ$ 20,000 40,000 60Aruba AFL 20,000 40,000 60St. Maarten US$ 10,000 30,000 30Anguilla US$ 10,000 30,000 30Panama US$ 10,000 30,000 30

Elimination Period The policy must be in force for at least 180 days before a covered illness is diagnosed and benefits are payable. Illnesses Covered Cancer Stroke Heart Attack The definitions for these illnesses are similar to the existing Life Protector II product.

Sagicor Life Inc Triple Protector


Premium Payment Methods Annually Monthly by Direct Debit Monthly – Bankers Order Monthly – Government Deduction Monthly – Salary Deductions Expiry Date Policy expires on the payment of a benefit or on the Anniversary Date nearest to the Life Insured’s 70th birthday. Premiums Payable Premiums are payable until the Policy Anniversary Date nearest to the Life Insured’s 70th Birthday. Lapses Normal rules apply to lapsed policies. There is the usual 30 day grace period. Reinstatement All outstanding premiums must be paid and the Life Insured must complete a special reinstatement form which includes the same five questions as on the Application Form. A maximum of three reinstatements are allowed and, apart from the above, the usual reinstatement rules apply. Premium Refund 1. Premiums will be refunded if the Life Insured dies prior to age 70 and no claim made

under the policy. 2. Premiums will be refunded if the Life Insured is living at the expiry date. Risk Selection As mentioned in the preamble, there are five questions all of which must be answered in the negative for the prospective client to be eligible for coverage. Riders No Riders, including ADB, TDWP and PW, are permitted. Commissions 1st Year 40% 2nd Year 15% 3rd and subsequent years 5%

Sagicor Life Inc

Age Male Female

20 4.98 4.7821 5.17 4.9922 5.38 5.20

23 5.61 5.4424 5.85 5.6825 6.12 5.94

26 6.39 6.2127 6.68 6.4828 6.99 6.76

29 7.33 7.0730 7.71 7.4131 8.13 7.77

32 8.58 8.1533 9.07 8.5634 9.62 9.00

35 10.24 9.4936 10.91 10.0337 11.63 10.60

38 12.41 11.2239 13.30 11.9040 14.31 12.65

41 15.41 13.4742 16.59 14.3443 17.88 15.28

44 19.33 16.3145 20.95 17.4646 22.70 18.65

47 24.53 19.8948 26.57 21.2549 28.90 22.8450 31.62 24.7251 34.60 26.8052 37.74 29.01

53 41.29 31.5354 45.48 34.5155 50.55 38.1456 55.92 41.9157 61.41 45.6958 67.92 50.26

59 76.33 56.3760 87.49 64.76

$1,000 Sum Insured

TRIPLE PROTECTORAnnual Premium Rates per


Sagicor Life Inc CariCare Protector – Barbados and OECS

July 1, 2006 Page C.4E.1

CARICARE PROTECTOR – BARBADOS and OECS Plan Features CariCARE Protector is an Individual Health product that provides benefits within certain parameters in the event of a serious medical illness, Dental procedures and Vision care. This product, while providing coverage to an insured, can also include a spouse and children (dependents). The deductible must first be satisfied before any benefits are paid, after which CariCARE Protector pays 80% of the next $5,000 and 100% to a lifetime maximum of $1,000,000 per person for covered allowable charges. Eligibility Persons over age 18 and under age 70. Maximum age for application is 64. Dependents Spouse: The insured’s husband or wife who is under the age of 70, cohabiting in the same household and who has not been living in another country other than the one in which the insured resides for a period exceeding 6 months. Or the person living with the insured in a recognised marital arrangement as common-law spouse and registered as such. Children: The insured’s children, the insured’s spouse’s children or adopted unmarried children who are more than two weeks but less than 19 years of age, unless the child is a full-time student, in which case eligibility continues until attainment of age 23. Such children must be living in the insured’s household and having the same permanent residence as the insured and absent only to attend school. Plan Options (Deductibles) Persons can choose one of four deductibles: $250, $500, $1,000 and $2,000. Payment Premiums can be paid monthly, quarterly, semi-annually and annually. The mode of payment can be altered on the policy’s anniversary date. Waiting Period The waiting period is the period of time beginning with the Insured’s effective date, during which limited or no benefits are available. The waiting period for Dental and Vision will be 6 months and Maternity 10 months. Reinstatement Lapsed policies may be reinstated within 3 months from the effective lapsed date. Policies lapsed for more than 3 months will require a new application. All medical requirements will be at the policy owner’s expense.

Sagicor Life Inc CariCare Protector- Barbados and OECS


Exclusions and Limitations Any insured person who as a result of sickness or bodily injury has been under the

care of a physician or has received medical care or services within the 12 month period immediately preceding the date on which he becomes insured will not be eligible to receive any benefits for a period of 24 months from the date such insured person became so insured in excess of the amount shown in the Schedule of Medical Benefits as “Pre-Existing Condition Benefits” for charges incurred for a pre-existing condition due to the same or a related sickness or bodily injury.

Charges in excess of reasonable and customary amounts. Charges for services, treatment or supplies that are not medically necessary or

recommended by a physician. Charges for procedures that are unsafe, experimental or unapproved by a

recognised regulatory body. Treatment for any injury or sickness that is covered by a Workman’s Compensation

Plan or any such plan. Charges incurred due to war declared or undeclared. Charges for treatment as a result of intentional self-inflicted injuries. Charges for treatment given by a family member. Charges for elective treatment or surgery. Charges for all birth control procedures, determination of non-fertility or inducing

pregnancy. Pregnancies commencing before ten continuous months of coverage. Charges for services from a provider that is not properly licensed to provide such

services. Dental expenses incurred in the first 6 months of coverage. Vision expenses incurred in the first 6 months of coverage.

CariCARE International Card Each insured will be issued a CariCARE International card which offers enhanced protection against medical emergencies while travelling. It also provides assistance for out of country treatment provided that the pre-notification requirement under the General Provision is satisfied and that Sagicor is duly notified. Locally, the card can be used to obtain discounts on prescription drugs only at the following participating pharmacies: Knights Pharmacies (all branches) Collins Ltd. (all branches) Pharmaceuticals Plus Inc. Elcourt Pharmacy Holborn Pharmacy Palm Court Dispensary



Termination of Coverage A covered person’s coverage will terminate on: the date the policy is terminated the date the coverage under the policy lapses the date of death of the insured attainment of age 70

Medical Benefits Lifetime Maximum Benefit for persons under age 70 $ 1,000,000.00 Deductibles Available $ 250.00 $ 500.00 $ 1,000.00 $ 2,000.00 Maximum Deductibles per family per calendar year 3 Benefit Payment:

On the 1st $5,000.00 80% Thereafter to the maximum of 100%

Daily Room & Board Limits 1. Applicable Overseas (Non-Caricom) $ 2,000.00 2. Applicable Locally (Caricom) $ 255.00 Maternity Benefit (NOT SUBJECT TO DEDUCTIBLE) Normal Delivery 80% to a maximum of $ 2,000.00 Caesarean Section 80% to a maximum of $ 2,500.00 Extra Uterine Pregnancy 80% to a maximum of $ 2,500.00 Miscarriage 80% to a maximum of $ 1,000.00 Pre-existing Condition $ 750.00 Psychiatric Benefit (Other than for hospital confinement) Maximum per treatment $ 60.00 Maximum treatments per calendar year 20 Benefit payment 50% Airfare/ Air Ambulance Transportation Maximum trips per calendar year 2 Benefit payment - 100% Economy Fare Internal Plan Limits Mental and Nervous $ 25,000.00 HIV/AIDS $ 50,000.00 Transplants $ 250,000.00



Preventative Care Annual Physical Examination Benefit for the principal Insured only $ 75.00

Annual GYN and Pap Smear Test for the principal female Insured or Spouse of the principal male insured up to a maximum per year of $ 65.00

Annual Mammogram for the principal female Insured or Spouse of the principal male insured over age 40 to a maximum per year of $ 125.00 Annual Proctology/Prostate Examination for the principal male Insured or Spouse of the principal female insured over age 40 to a maximum per year of $ 65.00 Routine Well Baby Immunisations for each dependent child under age 2 with an annual maximum per year of $ 50.00

Dental Benefits (Optional Rider) Maximum per calendar year $ 1,000.00 Deductible per calendar year $ 25.00 Amount of benefit: Level I - Preventative 100% Level II - Restorative 80% Level III - Restorative 80% Vision Benefits (Optional Rider) Complete Visual Examination: $ 40.00 Lenses (Per Pair): Single Vision Rx $ 80.00 Bi-focal Rx $ 100.00 Tri-focal Rx $ 120.00 Lenticular Rx $ 150.00 Contact Lenses (when medically necessary) $ 400.00 Contact Lenses (when not medically necessary) $ 200.00 Frames $ 150.00



Medical Requirements Up to 51 Non-Medical 51-64 Medical exam

Urinalysis APS - discretionary but will probably be requested on most cases Commissions Commissions are payable at a rate of 10% of premiums paid.



BARBADOS INDIVIDUAL HEALTH PREMIUMS

$ 250 Deductible Single Family Single Family Single Family Single Family Under 30 1,392.65 2,785.30 698.05 1,396.10 349.74 699.78 119.17 238.34

30-39 1,421.54 2,901.16 712.57 1,454.18 357.08 728.81 121.76 248.40 40-49 1,479.62 3,249.33 741.61 1,628.69 371.59 816.21 126.64 278.30 50-59 1,595.63 3,481.34 799.83 1,744.84 400.78 874.58 136.56 298.14 60-69 1,856.68 4,061.80 930.64 2,035.79 466.33 1,020.34 158.99 347.88


30-39 1,224.89 2,499.81 613.96 1,252.93 307.77 627.90 104.94 213.90 40-49 1,274.92 2,799.68 638.97 1,403.29 320.28 703.23 109.25 239.78 50-59 1,374.83 2,999.49 689.14 1,503.34 345.43 753.54 117.73 256.74 60-69 1,599.94 3,499.45 801.84 1,754.04 401.93 879.18 136.85 299.58

$ 1,000 Deductible Single Family Single Family Single Family Single Family Under 30 960.54 1,920.79 481.42 962.84 241.21 482.71 82.23 164.45

30-39 980.52 2,001.00 491.34 1,002.80 246.24 502.55 83.95 171.35 40-49 1,020.48 2,241.06 511.46 1,123.26 256.31 562.93 87.40 191.76 50-59 1,100.55 2,401.20 551.57 1,203.48 276.43 603.18 94.30 205.56 60-69 1,280.53 2,801.40 641.99 1,404.15 321.71 703.80 109.54 239.78


30-39 744.19 1,518.58 373.03 761.30 187.02 381.51 63.68 129.95 40-49 774.53 1,700.85 388.27 852.44 194.64 427.23 66.27 145.76 50-59 835.33 1,822.46 418.74 913.39 209.88 457.70 71.44 156.11 60-69 972.04 2,126.06 487.31 1,065.76 244.09 534.18 83.09 181.99

Dental & Vision Single Family Single Family Single Family Single Family Under 30 217.91 456.80 116.73 243.51 58.51 122.19 19.98 41.69

30-39 228.54 482.96 121.90 256.74 61.09 128.80 20.84 43.99 40-49 272.54 541.71 147.20 290.66 73.74 145.76 25.30 49.74 50-59 295.36 577.63 159.56 309.35 79.93 155.25 27.17 52.90 60-69 303.26 577.63 163.44 309.35 81.79 155.25 27.89 52.90

Ages 65 to 69 are for renewal purposes only

Semi-Annual Quarterly

Annual Semi-Annual Quarterly




Annual

Monthly

Monthly

Monthly

Monthly

Monthly



OECS INDIVIDUAL HEALTH PREMIUMS


30-39 1,467.69 2,995.46 735.71 1,501.33 368.72 752.39 125.64 256.45 40-49 1,527.63 3,354.84 765.76 1,681.59 383.81 842.66 130.81 287.21 50-59 1,647.52 3,594.33 825.70 1,801.48 413.86 903.04 141.02 307.91 60-69 1,917.05 4,193.48 960.83 2,101.91 481.56 1,053.40 164.16 359.09


30-39 1,264.57 2,580.89 633.94 1,293.46 317.69 648.31 108.24 221.09 40-49 1,316.18 2,890.53 659.81 1,448.71 330.63 726.23 112.70 247.54 50-59 1,419.39 3,096.95 711.56 1,552.21 356.64 777.98 121.61 265.08 60-69 1,651.69 3,613.01 828.00 1,810.96 414.86 907.64 141.45 309.35


30-39 1,012.29 2,065.98 507.44 1,035.58 254.29 518.94 86.68 176.81 40-49 1,053.69 2,313.80 528.14 1,159.78 264.64 581.33 90.28 198.09 50-59 1,136.20 2,479.11 569.54 1,242.58 285.49 622.73 97.32 212.18 60-69 1,322.21 2,892.25 662.69 1,449.58 332.06 726.51 113.28 247.54


30-39 768.34 1,568.03 384.96 786.03 193.06 393.88 65.84 134.26 40-49 799.68 1,756.05 400.78 880.33 200.96 441.31 68.43 150.36 50-59 862.36 1,881.69 432.11 943.00 216.63 472.65 73.89 161.00 60-69 1,003.38 2,195.06 502.84 1,100.26 252.14 551.43 85.96 188.03

Dental & Vision Single Family Single Family Single Family Single Family Under 30 423.70 870.12 212.53 435.85 106.45 218.93 36.01 74.75

30-39 435.06 898.58 218.28 449.94 109.32 225.83 36.88 77.05 40-49 566.95 1,073.96 284.05 538.34 142.38 269.68 48.38 92.15 50-59 610.29 1,131.89 305.97 567.09 153.17 284.05 52.18 96.89 60-69 618.92 1,131.89 310.28 567.09 155.32 284.05 52.90 96.89


Monthly

Monthly

Monthly

Monthly

Monthly






Sagicor Life Inc Sagicor Health Protector Trinidad and Tobago


SAGICOR HEALTH PROTECTOR TT$

Plan Features The Sagicor Health Protector is an Individual Health product that provides benefits within certain parameters in the event of a serious medical illness, Dental procedures and Vision care. This product, while providing coverage to an insured, can also include a spouse and children (dependents). The deductible must first be satisfied before any benefits are paid, after which the Health Protector pays 80% of the next $5,000 and 100% to a lifetime maximum of $1,000,000 per person for covered allowable charges. Eligibility Persons over age 19 and under age 64. Maximum age for application is 64. Dependents Spouse: The insured’s husband or wife who is under the age of 64, cohabiting in the same household and who has not been living in another country other than the one in which the insured resides for a period exceeding 6 months. Or the person living with the Insured in a recognised marital arrangement as common-law spouse and registered as such. Children: The insured’s children, the insured’s spouse’s children or adopted unmarried children who are more than two weeks but less than 19 years of age, unless the child is a full-time student, in which case eligibility continues until attainment of age 23. Such children must be living in the insured’s household and having the same permanent residence as the insured and absent only to attend school and must be registered as dependents on this Policy. Plan Options (Deductibles) Persons can choose one of two deductibles: $1,000 and $2,000. Payment Premiums are paid annually. Waiting Period The waiting period is the period of time beginning with the Insured’s effective date, during which limited or no benefits are available. The waiting period for Dental and Vision will be 6 months and Maternity 10 months. Reinstatement Lapsed policies may be reinstated within 3 months from the effective lapsed date. Policies lapsed for more than 3 months will require a new application. All medical requirements will be at the policy owner’s expense.



Exclusions and Limitations Any insured person who as a result of sickness or bodily injury has been under the care of a

physician or has received medical care or services within the 12 month period immediately preceding the date on which he becomes insured will not be eligible to receive any benefits for a period of 24 months from the date such insured person became so insured in excess of the amount shown in the Schedule of Medical Benefits as “Pre-Existing Condition Benefits” for charges incurred for a pre-existing condition due to the same or a related sickness or bodily injury.

Charges in excess of reasonable and customary amounts. Charges for services, treatment or supplies that are not medically necessary or recommended

by a physician. Charges for procedures that are unsafe, experimental or unapproved by a recognised

regulatory body. Treatment for any injury or sickness that is covered by a Workman’s Compensation Plan or any

such plan. Charges incurred due to war declared or undeclared. Charges for treatment as a result of intentional self-inflicted injuries. Charges for treatment given by a family member. Charges for elective treatment or surgery. Charges for all birth control procedures, determination of non-fertility or inducing pregnancy. Pregnancies commencing before ten continuous months of coverage. Charges for services from a provider that is not properly licensed to provide such services. Dental expenses incurred in the first 6 months of coverage. Vision expenses incurred in the first 3 months of coverage.

Termination of Coverage A covered person’s coverage will terminate on: the date the policy is terminated the date the coverage under the policy lapses the date of death of the insured attainment of age 70



Major Medical Benefit $1,000,000.00TTDBenefit Period LifetimeDeductible per Calendar Year $1,000.00/ $2,000.00 Deductibles per Family 3Co-Insurance Percentage - On the first $5,000 80%Co-Insurance Percentage - Thereafter 100%Carry Over Provision Last 3 mths of Cal Yr.Pre-existing Condition Maximum $1,000.00

Daily Room & Board: (quoted in TT dollars) Overseas (Non-Caricom) $2,000.00 Locally (Caricom) $255.00 Intensive Care Benefit $1,800.00

Psychiatric Out-of-Hospital Expense Benefit: Maximum per treatment $60.00 Maximum number of treatments per calendar year 20Co-Insurance Percentage 50%

Maternity Benefit: Normal Delivery - 80% to a Maximum of $2,000.00 Cesarean Section/Extra Uterine Pregnancy - 80% to a Maximum of $2,500.00 Miscarriage - Dilation & Curettage- 80% to a Max. ( Included in Normal Delivery) $1,000.00 Pre-Natal Care Maximum- 80% to a Maximum of ( Included in Normal Delivery) $1,000.00

Airfare Benefit: (To the nearest facility) Maximum Number of Trips per Calendar Year 2Co-Insurance Percentage (Economy fare ) 100% Emergency Air Ambulance Benefit UnlimitedMaximum Number of Trips per Calendar Year 2Co-Insurance Percentage (Economy fare ) 100%

Internal Plan Limits Lifetime MaximumsMental & Nervous $25,000.00 Acquired Immune Deficiency Syndrome $50,000.00 Transplants $250,000.00

Preventative Care Benefit Annual Physical Exam for Each Insured only* $75.00 Annual Pap Smear for Female Insured and female spouse between age 20 and 65 $65.00 Annual Mammograms for Female Insured and female spouse over 35 years old $125.00Annual test for Prostate Cancer for Male Insured and Male spouse over 40 $65.00 Annual Vaccinations for dependent children up to 2 years old $50.00

*Annual Physical Examination - This benefit is available to Insureds only. To qualify for consideration, theservices an insured receives must be provided by a physician and include not only a full physical; medical history and interview, but at a minimum the following: 1. Blood pressure testing 2. Respiratory assessment 3. Complete urinalysis 4. Complete blood panel

5. Glucose Testing



DENTAL: (6-month Waiting Period for new Insureds)

Maximum Benefit per Calendar Year: $1,000.00

Deductible per Calendar Year: $25.00

Benefit: Level 1 - Preventative 100%Level 2 - Restorative 80%Level 3 - Major Restorative 80%

VISION: (6-month Waiting Period for new Insureds)

Comprehensive Vision Per Annum: $750.00

Deductible $50.00Co-Insurance Factor 80%

Sagicor Life Inc Sagcior Health ProtectorTrinidad and Tobago

INDIVIDUAL HEALTH RATES IN TT$

$1,000 Deductible - Annual Premiums

SINGLE FAMILYAge :19-29Major Medical 1,714.92 3,369.00Dental 294.00 639.00Vision 339.00 676.92TOTAL $2,347.92 $4,684.92

Age : 30-39Major Medical 1,749.00 3,507.00Dental 319.92 702.96Vision 339.00 676.92TOTAL $2,407.92 $4,886.88



Age : 60-69*Major Medical 2,265.90 4,885.92Dental 370.92 766.92Vision 525.04 913.92TOTAL $3,161.86 $6,566.76

* Ages 65 to 69 are for renewal purposes only

July 1, 2006 2001 Series Page C.4E.12

Sagicor Life Inc Sagicor Health ProtectorTrinidad and Tobago

INDIVIDUAL HEALTH RATES IN TT$

$2,000 Deductible - Annual Premiums

SINGLE FAMILYAge :19-29Major Medical 1,314.96 2,571.00Dental 294.00 639.00Vision 339.00 676.92TOTAL $1,947.96 $3,886.92




Age : 60-69*Major Medical 1,734.00 3,723.00Dental 370.92 766.92Vision 524.64 913.92TOTAL $2,629.56 $5,403.84

* Ages 65 to 69 are for renewal purposes only


Sagicor Life Inc CariCare Protector - Belize


CARICARE PROTECTOR - BELIZE

Plan Features CariCare Protector is an Individual Health product that provides benefits within certain parameters in the event of a serious medical illness, Dental procedures and Vision care. This product, while providing coverage to an insured, can also include a spouse and children (dependents). The deductible must first be satisfied before any benefits are paid, after which CariCare Protector pays 80% of the next $5,000 and 100% to a lifetime maximum of $1,000,000 per person for covered allowable charges. Eligibility Persons over age 18 and under age 70. Maximum age for application is 64. Dependents Spouse: - The insured’s husband or wife who is under the age of 70, cohabiting in the same household and who has not been living in another country other than the one in which the insured resides for a period exceeding 6 months. Or the person living with the insured in a recognised marital arrangement as common-law spouse and registered as such. Children: - The insured’s children, the insured’s spouse’s children or adopted unmarried children who are more than two weeks but less than 19 years of age, unless the child is a full-time student, in which case eligibility continues until attainment of age 23. Such children must be living in the insured’s household and having the same permanent residence as the insured and absent only to attend school. Plan Options (Deductibles) Persons can choose one of four deductibles - $250, $500, $1,000 and $2,000. Payment Premiums can be paid monthly, quarterly, semi-annually and annually. The mode of payment can be altered on the policy’s anniversary date. Waiting Period The waiting period is the period of time beginning with the Insured’s effective date, during which limited or no benefits are available. The waiting period for Dental and Vision will be 6 months and Maternity 10 months. Reinstatement Lapsed policies may be reinstated within 3 months from the effective lapsed date. Policies lapsed for more than 3 months will require a new application. All medical requirements will be at the policy owner’s expense.

Sagicor Life Inc CariCare Protector-Belize





by a physician. Charges for procedures that are unsafe, experimental or unapproved by a recognised regulatory

body. Treatment for any injury or sickness that is covered by a Workman’s Compensation Plan or any


CariCARE International Card Each insured will be issued a CariCARE International card which offers enhanced protection against medical emergencies while travelling. It also provides assistance for out of country treatment provided that the pre-notification requirement under the General Provision is satisfied and that Sagicor is duly notified. Termination of Coverage A covered person’s coverage will terminate on: the date the policy is terminated the date the coverage under the policy lapses the date of death of the insured attainment of age 70



Lifetime Maximum Benefit for Persons under Age 70 $ 1,000,000.00Deductible per Calendar Year $ 250.00Maximum Deductibles per Family per Calendar Year 3Benefit Payment: On the First $5,000.00 80%Thereafter to the Maximum 100% Daily Room & Board Limit: 1. Out of Country Semi-Private Room or Ward Accommodation (Out of region)

$ 2,000.00

2. Out of Country Intensive care Unit (Out of region) $ 5,000.003. Local Semi-Private Room or Ward Accommodation (In the region)

$ 255.00

4. Local Intensive care Unit (In the region) $ 637.50 Maternity Benefit: Normal Delivery – 80% to a maximum of $ 2,000.00Caesarean Section - 80% to a maximum of $ 2,500.00Miscarriage - 80% to a maximum of $ 1,000.00 Pre-existing Condition $ 750.00 Psychiatric Benefit: Maximum per Treatment (other than for hospital confinement) $ 60.00Maximum Treatments per Calendar Year 20Benefit Payment 50% Physiotheraphy and other Health-Care Professional Groups: Maximum per Treatment $ 40.00Co-Insurance Percentage 80% after deductible Medical Air Transportation Benefit: Maximum Trips per Calendar Year 2Benefit Payment 100%



Internal Plan Limits: Lifetime Maximum Mental & Nervous $ 25,000.00Acquired Immune Deficiency Syndrome $ 50,000.00Transplants $ 250,000.00 Preventative Care: Annual Physical Examination Benefit for the principal Insured only $ 75.00Annual GYN and Pap Smear Test for the principal female Insured or Spouse of the principal male insured up to a maximum per year of

$ 65.00

Annual Mammogram for the principal female Insured or Spouse of the principal male insured over age 40 to a maximum per year of

$ 125.00

Annual Proctology/Prostate Examination for the principal male Insured or Spouse of the principal female insured over age 40 to a maximum per year of

$ 65.00

Routine Well Baby Immunisations for each dependent child under age 2 with an annual maximum per year of

$ 50.00



VISION CARE BENEFITS

AMOUNTS OF INSURANCE (INSURED AND DEPENDENTS)

Complete Visual Examination $ 40.00 Lenses (each): Single Vision Rx $ 40.00Bi-Focal Rx $ 50.00Tri-Focal Rx $ 60.00Lenticular $ 75.00 Contact Lenses Rx (each) $ 200.00Contact Lenses Rx (not medically necessary) $ 100.00Frames $ 150.00

DENTAL CARE BENEFITS


Maximum per calendar year $ 1,000.00Deductible per calendar year $ 25.00 Amount of Benefit: Level 1 - Preventative 100%Level 2 - Restorative 80%Level 3 – Major Restorative 80%



APPENDIX A

MEDICAL AIR TRANSPORTATION BENEFIT

♦ Emergency Air Transportation:-

Experience the overwhelming peace of mind knowing that medical emergencies will be met at no cost to you with the speed of an air ambulance. A medically staffed aircraft is on standby 24 hours a day for members.

♦ Transportation of Escort:- Arrangements will be for the member’s spouse, family member or companion to accompany the individual in flight, should space permit.

♦ Repatriation/ Recuperation:-

Should the patient and his treating physician determine that recuperation nearer home is feasible, air transportation will be provided.

♦ Organ Retrieval:-

Should a member require a heart, heart/lung, liver, kidney, lung or pancreas transplant, the organ will be transported by Air Ambulance.

♦ Organ Recipient Transportation:-

Should time or medical constraints require, the Air Ambulance would fly the organ recipient candidate.

♦ Non-Injury Transportation:-

The member may select a family member to be flown round trip via common carrier to the city where the member is hospitalized for more than seven days.

♦ Return Transportation:-

Included in member services is the arrangements and air transportation for the member’s return home.

♦ Minor Children Return:-

Accident or illness by a parent could result in minor children being stranded. The Air Transportation Benefit will cover the cost of air transportation back home. When necessary, an attendant will ensure their safe return home.

♦ Mortal Remains:-

The Air Transportation Benefit will provide air transportation for the return of the member’s remains whether as a result of accident or sickness.



BELIZE INDIVIDUAL HEALTH PREMIUMS

$ 250 Deductible Single Family Single Family Single Family Under 30 1,637.17 3,274.63 820.67 1,641.34 411.41 822.54 30-39 1,671.38 3,410.90 837.78 1,709.76 419.89 857.04 40-49 1,739.52 3,820.30 871.84 1,914.75 437.00 959.68 50-59 1,875.94 4,093.14 940.27 2,051.60 471.36 1,028.39 60-69 2,182.99 4,775.38 1,094.23 2,393.44 548.55 1,199.74

$ 500 Deductible Single Family Single Family Single Family Under 30 1,410.62 2,821.24 707.11 1,414.21 354.34 708.69 30-39 1,440.09 2,938.83 721.77 1,473.15 361.68 738.30 40-49 1,498.88 3,291.59 751.24 1,649.68 376.48 826.85 50-59 1,616.47 3,526.76 810.18 1,767.55 405.95 886.08 60-69 1,880.83 4,114.41 942.71 2,062.24 472.65 1,033.56

$ 1,000 Deductible Single Family Single Family Single Family Under 30 1,129.16 2,258.31 565.94 1,131.89 283.62 567.24 30-39 1,152.73 2,352.61 577.88 1,179.04 289.51 591.10 40-49 1,199.74 2,634.94 601.45 1,320.49 301.30 661.83 50-59 1,293.89 2,822.96 648.60 1,415.08 325.02 709.26 60-69 1,505.64 3,293.60 754.69 1,650.83 378.35 827.43

$ 2,000 Deductible Single Family Single Family Single Family Under 30 857.04 1,714.08 429.53 859.05 215.34 430.68 30-39 874.86 1,785.66 438.44 894.99 219.79 448.50 40-49 910.66 1,999.85 456.41 1,002.23 228.85 502.26 50-59 982.10 2,142.74 492.20 1,073.81 246.68 538.20 60-69 1,142.81 2,499.81 572.70 1,252.93 287.21 627.90

Dental & Vision Single Family Single Family Single Family Under 30 416.30 874.29 208.58 438.15 104.51 219.65 30-39 437.29 926.61 219.08 464.31 109.83 232.59 40-49 516.35 1,032.13 258.89 517.21 129.81 259.33 50-59 560.05 1,101.99 280.60 552.29 140.59 276.86 60-69 575.72 1,101.99 288.36 552.29 144.61 276.86







Annual

Sagicor Life Inc CariCare Protector – St. Maarten

July 1, 2006 Page C.4E.X

CARICARE PROTECTOR – ST. MAARTEN

Plan Features CariCare Protector is an Individual Health product that provides benefits within certain parameters in the event of a serious medical illness, Dental procedures and Vision care. This product, while providing coverage to an insured, can also include a spouse and children (dependents). The deductible must first be satisfied before any benefits are paid, after which CariCare Protector pays 80% of the next NAF5,000 and 100% to a lifetime maximum of NAF1,000,000 per person for covered allowable charges. Eligibility Persons over age 18 and under age 70. Maximum age for application is 64. Dependents Spouse: The insured’s husband or wife who is under the age of 70, cohabiting in the same household and who has not been living in another country other than the one in which the insured resides for a period exceeding 6 months. Or the person living with the insured in a recognised marital arrangement as common-law spouse and registered as such. Children: The insured’s children, the insured’s spouse’s children or adopted unmarried children who are more than two weeks but less than 19 years of age, unless the child is a full-time student, in which case eligibility continues until attainment of age 23. Such children must be living in the insured’s household and having the same permanent residence as the insured and absent only to attend school. Plan Options (Deductibles) Persons can choose one of four deductibles: NAF250, NAF500, NAF1,000 and NAF2,000. Payment Premiums can be paid monthly, quarterly, semi-annually and annually. The mode of payment can be altered on the policy’s anniversary date. Waiting Period The waiting period is the period of time beginning with the Insured’s effective date, during which limited or no benefits are available. The waiting period for Dental and Vision will be 6 months and Maternity 10 months. Reinstatement Lapsed policies may be reinstated within 3 months from the effective lapsed date. Policies lapsed for more than 3 months will require a new application. All medical requirements will be at the policy owner’s expense.

Sagicor Life Inc CariCare Protector - St. Maarten





by a physician. Charges for procedures that are unsafe, experimental or unapproved by a recognised regulatory

body. Treatment for any injury or sickness that is covered by a Workman’s Compensation Plan or any


CariCARE International Card Each insured will be issued a CariCARE International card which offers enhanced protection against medical emergencies while travelling. It also provides assistance for out of country treatment provided that the pre-notification requirement under the General Provision is satisfied and that Sagicor is duly notified. Termination of Coverage A covered person’s coverage will terminate on: the date the policy is terminated the date the coverage under the policy lapses the date of death of the insured attainment of age 70



Lifetime Maximum Benefit for Persons under Age 70 NAF 1,000,000.00Deductible per Calendar Year NAF 250.00Maximum Deductibles per Family per Calendar Year 3Benefit Payment: On the First NAF5,000.00 80%Thereafter to the Maximum 100% Daily Room & Board Limit: 1. Out of Country Semi-Private Room or Ward Accommodation (Out of region)

NAF 2,000.00

2. Local Semi-Private Room or Ward Accommodation (In the region)

NAF 570.00

3. Intensive Care Unit 2.5 times A.S.P.R.RA.S.P.R.R means Average Semi-Private Room Rate Maternity Benefit: Normal Delivery – 80% to a maximum of NAF 2,000.00Caesarean Section - 80% to a maximum of NAF 2,500.00Miscarriage - 80% to a maximum of NAF 1,000.00 Pre-existing Condition NAF 750.00 Psychiatric Benefit: Maximum per Treatment (other than for hospital confinement) NAF 60.00Maximum Treatments per Calendar Year 20Benefit Payment 50% Physiotheraphy and other Health-Care Professional Groups:

Maximum per Treatment NAF 70.00Co-Insurance Percentage 80% after deductible Medical Air Transportation Benefit: Maximum Trips per Calendar Year 2Benefit Payment 100%



Internal Plan Limits: Lifetime Maximum Mental & Nervous NAF 25,000.00Acquired Immune Deficiency Syndrome NAF 50,000.00Transplants NAF 250,000.00 Preventative Care: Annual Physical Examination Benefit for the principal Insured only NAF 75.00Annual GYN and Pap Smear Test for the principal female Insured or Spouse of the principal male insured up to a maximum per year of

NAF 65.00

Annual Mammogram for the principal female Insured or Spouse of the principal male insured over age 40 to a maximum per year of

NAF 125.00

Annual Proctology/Prostate Examination for the principal male Insured or Spouse of the principal female insured over age 40 to a maximum per year of

NAF 65.00

Routine Well Baby Immunisations for each dependent child under age 2 with an annual maximum per year of

NAF 100.00



VISION CARE BENEFITS


Complete Visual Examination NAF 40.00 Lenses (each): Single Vision Rx NAF 40.00Bi-Focal Rx NAF 50.00Tri-Focal Rx NAF 60.00Lenticular NAF 75.00 Contact Lenses Rx (each) NAF 200.00Contact Lenses Rx (not medically necessary) NAF 100.00Frames NAF 150.00

DENTAL CARE BENEFITS


Maximum per calendar year NAF 1,000.00Deductible per calendar year NAF 25.00 Amount of Benefit: Level 1 - Preventative 100%Level 2 - Restorative 80%Level 3 – Major Restorative 80%



APPENDIX A

MEDICAL AIR TRANSPORTATION BENEFIT

♦ Emergency Air Transportation:-

Experience the overwhelming peace of mind knowing that medical emergencies will be met at no cost to you with the speed of an air ambulance. A medically staffed aircraft is on standby 24 hours a day for members.

♦ Transportation of Escort:- Arrangements will be for the member’s spouse, family member or companion to accompany the individual in flight, should space permit.

♦ Repatriation/ Recuperation:-

Should the patient and his treating physician determine that recuperation nearer home is feasible, air transportation will be provided.

♦ Organ Retrieval:-

Should a member require a heart, heart/lung, liver, kidney, lung or pancreas transplant, the organ will be transported by Air Ambulance.

♦ Organ Recipient Transportation:-

Should time or medical constraints require, the Air Ambulance would fly the organ recipient candidate.

♦ Non-Injury Transportation:-

The member may select a family member to be flown round trip via common carrier to the city where the member is hospitalized for more than seven days.

♦ Return Transportation:-

Included in member services is the arrangements and air transportation for the member’s return home.

♦ Minor Children Return:-

Accident or illness by a parent could result in minor children being stranded. The Air Transportation Benefit will cover the cost of air transportation back home. When necessary, an attendant will ensure their safe return home.

♦ Mortal Remains:-

The Air Transportation Benefit will provide air transportation for the return of the member’s remains whether as a result of accident or sickness.



ST. MAARTEN INDIVIDUAL HEALTH PREMIUMS

NAF 250 Deductible Single Family Single Family Single Family Under 30 2,157.93 4,316.18 1,081.73 2,163.15 542.05 1,084.42 30-39 2,202.84 4,495.81 1,104.19 2,253.28 553.44 1,129.33 40-49 2,292.81 5,035.33 1,149.25 2,523.68 575.89 1,265.00 50-59 2,472.60 5,394.91 1,239.38 2,704.25 621.12 1,355.45 60-69 2,877.24 6,294.32 1,442.10 3,154.91 722.95 1,581.25

NAF 500 Deductible Single Family Single Family Single Family Under 30 1,859.39 3,718.78 931.99 1,863.98 467.10 934.20 30-39 1,897.97 3,873.75 951.44 1,941.46 476.91 973.10 40-49 1,975.46 4,338.63 990.18 2,174.54 496.35 1,089.80 50-59 2,130.42 4,648.24 1,067.82 2,329.81 535.25 1,167.91 60-69 2,479.08 5,423.06 1,242.55 2,718.17 622.70 1,362.41

NAF 1,000 Deductible Single Family Single Family Single Family Under 30 1,488.43 2,976.86 745.88 1,492.07 373.97 747.93 30-39 1,519.42 3,100.83 761.53 1,554.05 381.71 778.92 40-49 1,581.41 3,472.74 792.52 1,740.64 397.37 872.53 50-59 1,705.38 3,721.00 854.67 1,864.93 428.52 934.84 60-69 1,984.47 4,341.16 994.61 2,175.80 498.41 1,090.43

NAF 2,000 Deductible Single Family Single Family Single Family Under 30 1,129.65 2,259.29 566.09 1,132.49 283.68 567.67 30-39 1,153.21 2,353.53 577.95 1,179.61 289.69 591.39 40-49 1,200.17 2,635.94 601.51 1,321.29 301.54 662.23 50-59 1,294.41 2,824.11 648.79 1,415.54 325.11 709.35 60-69 1,506.30 3,295.01 754.89 1,651.46 378.55 827.63

NAFDental & Vision Single Family Single Family Single Family Under 30 381.08 803.85 191.04 403.08 95.74 202.11 30-39 402.07 856.18 201.54 429.24 101.06 215.05 40-49 465.32 940.70 233.31 471.50 117.01 236.33 50-59 505.43 1,007.11 253.29 504.56 126.93 253.00 60-69 521.09 1,007.11 261.05 504.56 130.96 253.00







Annual

TERM PLANS

Sagicor Life Inc Term Plans

January 1, 2009 Page C.5A.1

5 YEAR RENEWABLE AND CONVERTIBLE TERM

The 5 year Renewable and Convertible Term plan provides for the payment of the Sum Insured on the death of the Life Insured during the term of the plan. The plan is non-participating and there are no cash values or paid-up values.

Issue Ages 20 to 70 Term The initial term is 5 years, but the policy is renewable every 5 years until age 80. The last renewal date is the policy anniversary within 5 years of the policy anniversary nearest to age 80. At that renewal, the term of the renewal will be for the number of years until the anniversary nearest age 80. For example, if the policy is renewed at the policy anniversary nearest age 77, the renewal will be for 3 years. Note that no special commission will be paid on renewal. Conversion The policy is convertible up until the policy anniversary nearest to age 65. At any time within the conversion period or within 30 days thereafter, the policy may be changed without evidence of insurability to one of the following plans:

• Life Saver II • Whole Life • 20 Payment Life • Life paid up at 65 • 21st Century Life • 15 Year Endowment • 20 Year Endowment • Endowment at 60 / Endowment at 65

The new contract will be dated when the first premium is paid. Premiums on the new plan will be calculated based on the attained age at the time of conversion, but using the underwriting classification of the original policy. Further details on the conversion period may be found in the details for each term plan.

If the original policy contained the Total Disability Waiver of Premium (TDWP) rider, and if the Insured is not totally disabled on the conversion date, TDWP will be included on the new policy. Likewise, if the original policy included the Accidental Death and Dismemberment benefit, this can also be continued on the new policy provided that the premium payment term for the benefit does not extend past the premium payment term for the new policy.



Premiums

Premium rates are banded. The bands are as follows for Barbados and the OECS (local currency):

Sum Assured

Band 1 $50,000 – $99,999

Band 2 $100,000 - $249,999

Band 3 $250,000 - $499,999

Band 4 $500,000 - $999,999

Band 5 $1,000,000 and over

The bands for Trinidad (local currency) are:

Sum Assured

Band 1 $150,000 – $299,999

Band 2 $300,000 - $749,999

Band 3 $750,000 - $1,499,999

Band 4 $1,500,000 - $2,999,999


The bands for Capital Life (local currency) and US$* policies are:

Sum Assured

Band 1 $25,000 – $49,999

Band 2 $50,000 - $124,999

Band 3 $125,000 - $249,999

Band 4 $250,000 - $499,999

Band 5 $500,000 and over


The modal factors for converting from an annual premium are:

a) For semi-annual, multiply by 0.51, b) For quarterly, multiply by 0.26, c) For regular monthly, multiply by 0.0875

Please note that no policy fee is charged.



Risk classifications The following premium rate risk classifications are available for males and females:

5 Year Renewable and Convertible Band 1 Band 2

Preferred (Non-Smoker) Standard (Smoker)


Preferred (Non-Smoker) Standard (Smoker) Preferred Select (Better risk) Preferred Select Plus (Best risk)

The underwriting process determines the category of risk into which the applicant falls. Hence the Preferred rate should be quoted if the client is a non-smoker. The client will subsequently be advised if he is eligible for a Preferred Select or a Preferred Select Plus rate. He can either purchase more insurance for the initially quoted premium, or obtain the coverage applied for at the reduced rate. Commissions The commission rates are the same for all term plans and vary by premium band as follows:

Commission Rate Year 1 Year 2 and above Band 1 30.0% 5.0% Band 2 30.0% 6.0% Band 3 32.5% 7.0% Band 4 35.0% 7.5% Band 5 40.0% 8.0%



Reinsurance Limits The Retention of Sagicor Life or Capital Life for each Life Insured is the maximum amount of risk which the company can retain on its own account. All amounts in excess of this limit are ceded to the Reinsurance Company. Generally, the amount of cover which the Reinsurance Company will automatically accept is capped at ten (10) times the Retention of Sagicor Life or Capital Life. This automatic cover varies by Reinsurance Treaty and by Territory. The limits under the current treaties are set out below. Advisors should check with the Reinsurance and Underwriting departments before quoting on high volume cases.

Reinsurance Limits Issue Age / Automatic Cover

Currency 20 to 65 66 to 70 BDS$ 1,000,000 500,000 TT$ 2,000,000 1,000,000



CONVERTIBLE TERM Plan Features The following convertible term plans are available:

• 20 Year Term • Term to Age 65 • Term to Age 70 • Term to Age 75 • Term to Age 80

These plans provide for the payment of the Sum Insured on the death of the Life Insured during the term of the plan. The plans are non-participating and there are no cash values or paid-up values. The usual conversion privileges are offered. Conversion: At any time within the conversion period or within 30 days thereafter, the policy may be changed without evidence of insurability to a currently sold permanent plan. The new contract will be dated when the first premium is paid. Premiums on the new plan will be calculated based on the attained age at the time of conversion, but using the underwriting classification of the original policy. Further details on the conversion period may be found in the details for each term plan. If the original policy contained the Total Disability Waiver of Premium (TDWP) rider, and if the Insured is not totally disabled on the conversion date, TDWP will be included on the new policy. Likewise, if the original policy included the Accidental Death and Dismemberment benefit, this can also be continued on the new policy provided that the premium payment term for the benefit does not extend past the premium payment term for the new policy.



Premiums Premium rates are banded. The bands are as follows for Barbados and the OECS (local currency):

Sum Assured

Band 1 $50,000 – $99,999

Band 2 $100,000 - $249,999

Band 3 $250,000 - $499,999

Band 4 $500,000 - $999,999


The bands for Trinidad (local currency) are:

Sum Assured

Band 1 $150,000 – $299,999

Band 2 $300,000 - $749,999

Band 3 $750,000 - $1,499,999

Band 4 $1,500,000 - $2,999,999


The bands for US$ (Trinidad & International) policies are:

Sum Assured

Band 1 $25,000 – $49,999

Band 2 $50,000 - $124,999

Band 3 $125,000 - $249,999

Band 4 $250,000 - $499,999

Band 5 $500,000 and over

The modal factors for converting from an annual premium are:

a) For semi-annual, multiply by 0.51, b) For regular monthly, multiply by 0.0875



Annual Policy Fees (Local Currency):

Barbados 230 US$ Policies (Trinidad & Int.) 115 OECS 230 Trinidad 570

Minimum Annualized Premium (Local Currency):

Per coverage Per policy (Savings

premium not counted toward

this) Barbados 370 600 US$ Policies (Trinidad & Int.) 285 400 OECS 370 600 Trinidad 1,230 1,800

The per policy and per coverage limits BOTH apply in addition to the minimum Face Amount limit. The premium in respect of the policy fee is counted toward the per policy minimum but not towards the per coverage minimum. Any savings premium would not be counted toward the per policy minimum. Risk classifications The following premium rate risk classifications are available for males and females: All Bands Preferred (Non-Smoker)

Standard (Smoker) Commissions The following table sets out the commission rates payable for each policy year. First year commission is paid in advance and cross-sell bonuses apply in accordance with Sagicor’s Enterprise Compensation System.

Policy Year Commission Rate

1 50% 2 10%

3 to 5 5% Thereafter 0%



Reinsurance Limits The Retention for each Life Insured is the maximum amount of risk which the company can retain on its own account. All amounts in excess of this limit are ceded to the Reinsurance Company. This automatic cover varies by Currency. The limits under the current treaties are set out below. Advisors must check with the Reinsurance and Underwriting departments before quoting on cases above these limits.

Reinsurance Limits (Sagicor Life) Issue Age / Automatic Cover

Currency 20 to 75 BDS$ 3,000,000 TT$ 9,300,000 EC$ 4,050,000



20 YEAR TERM

Issue Ages 20 to 60 Term 20 years. Conversion The policy may be converted up until the earlier of

a) The policy anniversary nearest age 65, and b) The 17th policy anniversary.

TERM TO AGE 65

Issue Ages 20 to 60 Term The coverage extends to the policy anniversary nearest age 65. Conversion The policy may be converted up until the policy anniversary nearest age 62.

TERM TO AGE 70



July 01, 2010 Page C.5A.10

TERM TO AGE 75


TERM TO AGE 80


Available Additional Benefits The following additional benefits are available on all term plans

• Accidental Death and Dismemberment • Total Disability Waiver of Premium

Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMBARBADOS PREMIUM RATES - MALE PREFERRED

Total DisabilityPremium Rate

Age Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly (% of premium) Annual Monthly

20 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0921 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0922 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0923 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0924 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0925 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0926 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0927 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0928 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0929 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.09

30 6.90 0.60 3.47 0.30 2.37 0.21 1.82 0.16 1.50 0.13 6.00 1.00 0.0931 6.91 0.60 3.49 0.31 2.39 0.21 1.84 0.16 1.52 0.13 6.10 1.00 0.0932 6.92 0.61 3.50 0.31 2.40 0.21 1.85 0.16 1.53 0.13 6.20 1.00 0.0933 6.93 0.61 3.52 0.31 2.42 0.21 1.87 0.16 1.55 0.14 6.30 1.00 0.0934 6.94 0.61 3.53 0.31 2.43 0.21 1.88 0.16 1.56 0.14 6.40 1.00 0.0935 6.95 0.61 3.55 0.31 2.45 0.21 1.90 0.17 1.58 0.14 6.50 1.00 0.0936 7.01 0.61 3.61 0.32 2.50 0.22 1.96 0.17 1.63 0.14 6.60 1.00 0.0937 7.07 0.62 3.67 0.32 2.56 0.22 2.01 0.18 1.69 0.15 6.70 1.00 0.0938 7.13 0.62 3.73 0.33 2.61 0.23 2.07 0.18 1.74 0.15 6.80 1.00 0.0939 7.19 0.63 3.79 0.33 2.67 0.23 2.12 0.19 1.80 0.16 6.90 1.00 0.09

40 7.25 0.63 3.85 0.34 2.72 0.24 2.18 0.19 1.85 0.16 7.00 1.00 0.0941 7.50 0.66 4.04 0.35 2.86 0.25 2.31 0.20 1.98 0.17 7.10 1.03 0.0942 7.75 0.68 4.23 0.37 2.99 0.26 2.44 0.21 2.11 0.18 7.20 1.05 0.0943 8.00 0.70 4.42 0.39 3.13 0.27 2.58 0.23 2.24 0.20 7.30 1.08 0.0944 8.25 0.72 4.61 0.40 3.26 0.29 2.71 0.24 2.37 0.21 7.40 1.10 0.1045 8.50 0.74 4.80 0.42 3.40 0.30 2.84 0.25 2.50 0.22 7.50 1.13 0.1046 8.76 0.77 5.04 0.44 3.65 0.32 3.07 0.27 2.73 0.24 7.60 1.15 0.1047 9.02 0.79 5.28 0.46 3.90 0.34 3.30 0.29 2.96 0.26 7.70 1.18 0.1048 9.28 0.81 5.52 0.48 4.15 0.36 3.54 0.31 3.19 0.28 7.80 1.20 0.1149 9.54 0.83 5.76 0.50 4.40 0.39 3.77 0.33 3.42 0.30 7.90 1.23 0.11

50 9.80 0.86 6.00 0.53 4.65 0.41 4.00 0.35 3.65 0.32 8.00 1.25 0.1151 10.30 0.90 6.50 0.57 5.12 0.45 4.45 0.39 4.10 0.36 8.40 1.35 0.1252 10.80 0.95 7.00 0.61 5.59 0.49 4.91 0.43 4.54 0.40 8.80 1.45 0.1353 11.30 0.99 7.50 0.66 6.06 0.53 5.36 0.47 4.99 0.44 9.20 1.55 0.1454 11.80 1.03 8.00 0.70 6.53 0.57 5.82 0.51 5.43 0.48 9.60 1.65 0.1455 12.30 1.08 8.50 0.74 7.00 0.61 6.27 0.55 5.88 0.51 10.00 1.75 0.1556 13.09 1.15 9.24 0.81 7.77 0.68 7.05 0.62 6.65 0.58 1.80 0.1657 13.88 1.21 9.98 0.87 8.54 0.75 7.82 0.68 7.43 0.65 1.85 0.1658 14.67 1.28 10.72 0.94 9.31 0.81 8.60 0.75 8.20 0.72 1.90 0.1759 15.46 1.35 11.46 1.00 10.08 0.88 9.37 0.82 8.98 0.79 1.95 0.17

60 16.25 1.42 12.20 1.07 10.85 0.95 10.15 0.89 9.75 0.85 2.00 0.1861 17.13 1.50 13.12 1.15 11.67 1.02 10.98 0.96 10.55 0.9262 18.01 1.58 14.04 1.23 12.49 1.09 11.82 1.03 11.34 0.9963 18.89 1.65 14.96 1.31 13.31 1.16 12.65 1.11 12.14 1.0664 19.77 1.73 15.88 1.39 14.13 1.24 13.49 1.18 12.93 1.1365 20.65 1.81 16.80 1.47 14.95 1.31 14.32 1.25 13.73 1.2066 22.24 1.95 18.28 1.60 16.41 1.44 15.79 1.38 15.21 1.3367 23.83 2.09 19.76 1.73 17.87 1.56 17.25 1.51 16.70 1.4668 25.42 2.22 21.24 1.86 19.33 1.69 18.72 1.64 18.18 1.5969 27.01 2.36 22.72 1.99 20.79 1.82 20.18 1.77 19.67 1.72

70 28.60 2.50 24.20 2.12 22.25 1.95 21.65 1.89 21.15 1.85*71 37.18 3.25 31.46 2.75 28.92 2.53 28.14 2.46 27.49 2.41*72 45.76 4.00 38.72 3.39 35.59 3.11 34.63 3.03 33.83 2.96*73 54.34 4.75 45.98 4.02 42.26 3.70 41.12 3.60 40.17 3.51*74 62.92 5.51 53.24 4.66 48.93 4.28 47.61 4.17 46.51 4.07*75 71.50 6.26 60.50 5.29 55.60 4.87 54.10 4.73 52.85 4.62*76 80.08 7.01 67.76 5.93 62.27 5.45 60.59 5.30 59.19 5.18*77 88.66 7.76 75.02 6.56 68.94 6.03 67.08 5.87 65.53 5.73*78 97.24 8.51 82.28 7.20 75.61 6.62 73.57 6.44 71.87 6.29*79 105.82 9.26 89.54 7.83 82.28 7.20 80.06 7.01 78.21 6.84

* For renewal purposes only

Basic Premium Rate per 1000Band 1 Band 2 Band 3 Band 4 Band 5

AD&D Premium Rate per 1000


Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMBARBADOS PREMIUM RATES - FEMALE PREFERRED



20 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0921 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0922 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0923 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0924 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0925 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0926 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0927 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0928 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0929 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.09

30 6.62 0.58 3.30 0.29 2.06 0.18 1.38 0.12 1.05 0.09 9.00 1.00 0.0931 6.64 0.58 3.32 0.29 2.08 0.18 1.42 0.12 1.08 0.09 9.20 1.00 0.0932 6.67 0.58 3.34 0.29 2.11 0.18 1.45 0.13 1.11 0.10 9.30 1.00 0.0933 6.69 0.59 3.37 0.29 2.13 0.19 1.49 0.13 1.14 0.10 9.50 1.00 0.0934 6.72 0.59 3.39 0.30 2.16 0.19 1.52 0.13 1.17 0.10 9.60 1.00 0.0935 6.74 0.59 3.41 0.30 2.18 0.19 1.56 0.14 1.20 0.11 9.80 1.00 0.0936 6.80 0.60 3.47 0.30 2.23 0.20 1.61 0.14 1.24 0.11 9.90 1.00 0.0937 6.86 0.60 3.53 0.31 2.28 0.20 1.65 0.14 1.28 0.11 10.10 1.00 0.0938 6.91 0.60 3.58 0.31 2.32 0.20 1.70 0.15 1.33 0.12 10.20 1.00 0.0939 6.97 0.61 3.64 0.32 2.37 0.21 1.74 0.15 1.37 0.12 10.40 1.00 0.09

40 7.03 0.62 3.70 0.32 2.42 0.21 1.79 0.16 1.41 0.12 10.50 1.00 0.0941 7.24 0.63 3.86 0.34 2.53 0.22 1.88 0.16 1.50 0.13 10.70 1.03 0.0942 7.45 0.65 4.02 0.35 2.64 0.23 1.96 0.17 1.59 0.14 10.80 1.05 0.0943 7.65 0.67 4.19 0.37 2.74 0.24 2.05 0.18 1.67 0.15 11.00 1.08 0.0944 7.86 0.69 4.35 0.38 2.85 0.25 2.13 0.19 1.76 0.15 11.10 1.10 0.1045 8.07 0.71 4.51 0.39 2.96 0.26 2.22 0.19 1.85 0.16 11.30 1.13 0.1046 8.26 0.72 4.66 0.41 3.12 0.27 2.36 0.21 1.99 0.17 11.40 1.15 0.1047 8.45 0.74 4.82 0.42 3.28 0.29 2.50 0.22 2.13 0.19 11.60 1.18 0.1048 8.64 0.76 4.97 0.43 3.45 0.30 2.64 0.23 2.27 0.20 11.70 1.20 0.1149 8.83 0.77 5.13 0.45 3.61 0.32 2.78 0.24 2.41 0.21 11.90 1.23 0.11

50 9.02 0.79 5.28 0.46 3.77 0.33 2.92 0.26 2.55 0.22 12.00 1.25 0.1151 9.33 0.82 5.57 0.49 4.04 0.35 3.23 0.28 2.85 0.25 12.60 1.35 0.1252 9.64 0.84 5.86 0.51 4.31 0.38 3.53 0.31 3.15 0.28 13.20 1.45 0.1353 9.96 0.87 6.14 0.54 4.57 0.40 3.84 0.34 3.46 0.30 13.80 1.55 0.1454 10.27 0.90 6.43 0.56 4.84 0.42 4.14 0.36 3.76 0.33 14.40 1.65 0.1455 10.58 0.93 6.72 0.59 5.11 0.45 4.45 0.39 4.06 0.36 15.00 1.75 0.1556 11.03 0.97 7.23 0.63 5.63 0.49 4.98 0.44 4.57 0.40 1.80 0.1657 11.48 1.00 7.74 0.68 6.15 0.54 5.51 0.48 5.09 0.45 1.85 0.1658 11.94 1.04 8.25 0.72 6.66 0.58 6.05 0.53 5.60 0.49 1.90 0.1759 12.39 1.08 8.76 0.77 7.18 0.63 6.58 0.58 6.12 0.54 1.95 0.17

60 12.84 1.12 9.27 0.81 7.70 0.67 7.11 0.62 6.63 0.58 2.00 0.1861 13.53 1.18 9.97 0.87 8.28 0.72 7.69 0.67 7.17 0.6362 14.23 1.25 10.67 0.93 8.86 0.78 8.27 0.72 7.71 0.6763 14.92 1.31 11.37 0.99 9.45 0.83 8.86 0.78 8.26 0.7264 15.62 1.37 12.07 1.06 10.03 0.88 9.44 0.83 8.80 0.7765 16.31 1.43 12.77 1.12 10.61 0.93 10.02 0.88 9.34 0.8266 17.57 1.54 13.89 1.22 11.65 1.02 11.05 0.97 10.35 0.9167 18.83 1.65 15.02 1.31 12.69 1.11 12.08 1.06 11.36 0.9968 20.08 1.76 16.14 1.41 13.72 1.20 13.10 1.15 12.36 1.0869 21.34 1.87 17.27 1.51 14.76 1.29 14.13 1.24 13.37 1.17

70 22.60 1.98 18.39 1.61 15.80 1.38 15.16 1.33 14.38 1.26*71 28.79 2.52 23.43 2.05 20.13 1.76 19.32 1.69 18.32 1.60*72 34.98 3.06 28.47 2.49 24.46 2.14 23.48 2.05 22.27 1.95*73 41.17 3.60 33.52 2.93 28.79 2.52 27.63 2.42 26.21 2.29*74 47.36 4.14 38.56 3.37 33.12 2.90 31.79 2.78 30.16 2.64*75 53.55 4.69 43.60 3.82 37.45 3.28 35.95 3.15 34.10 2.98*76 59.74 5.23 48.64 4.26 41.78 3.66 40.11 3.51 38.04 3.33*77 65.93 5.77 53.68 4.70 46.11 4.03 44.27 3.87 41.99 3.67*78 72.12 6.31 58.73 5.14 50.44 4.41 48.42 4.24 45.93 4.02*79 78.31 6.85 63.77 5.58 54.77 4.79 52.58 4.60 49.88 4.36





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMBARBADOS PREMIUM RATES - MALE PREFERRED SELECT



20 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0921 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0922 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0923 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0924 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0925 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0926 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0927 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0928 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0929 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.09

30 2.29 0.20 1.74 0.15 1.43 0.13 6.00 1.00 0.0931 2.29 0.20 1.74 0.15 1.43 0.13 6.10 1.00 0.0932 2.29 0.20 1.74 0.15 1.43 0.13 6.20 1.00 0.0933 2.29 0.20 1.75 0.15 1.44 0.13 6.30 1.00 0.0934 2.30 0.20 1.76 0.15 1.45 0.13 6.40 1.00 0.0935 2.31 0.20 1.78 0.16 1.46 0.13 6.50 1.00 0.0936 2.36 0.21 1.83 0.16 1.51 0.13 6.60 1.00 0.0937 2.41 0.21 1.88 0.16 1.56 0.14 6.70 1.00 0.0938 2.45 0.21 1.93 0.17 1.61 0.14 6.80 1.00 0.0939 2.50 0.22 1.97 0.17 1.66 0.15 6.90 1.00 0.09

40 2.55 0.22 2.03 0.18 1.71 0.15 7.00 1.00 0.0941 2.68 0.23 2.15 0.19 1.83 0.16 7.10 1.03 0.0942 2.79 0.24 2.26 0.20 1.95 0.17 7.20 1.05 0.0943 2.92 0.26 2.39 0.21 2.06 0.18 7.30 1.08 0.0944 3.04 0.27 2.51 0.22 2.18 0.19 7.40 1.10 0.1045 3.16 0.28 2.63 0.23 2.30 0.20 7.50 1.13 0.1046 3.39 0.30 2.84 0.25 2.51 0.22 7.60 1.15 0.1047 3.62 0.32 3.05 0.27 2.72 0.24 7.70 1.18 0.1048 3.84 0.34 3.26 0.29 2.93 0.26 7.80 1.20 0.1149 4.07 0.36 3.47 0.30 3.14 0.27 7.90 1.23 0.11

50 4.29 0.38 3.68 0.32 3.35 0.29 8.00 1.25 0.1151 4.72 0.41 4.09 0.36 3.76 0.33 8.40 1.35 0.1252 5.15 0.45 4.51 0.39 4.16 0.36 8.80 1.45 0.1353 5.57 0.49 4.92 0.43 4.56 0.40 9.20 1.55 0.1454 5.99 0.52 5.33 0.47 4.96 0.43 9.60 1.65 0.1455 6.42 0.56 5.74 0.50 5.37 0.47 10.00 1.75 0.1556 7.11 0.62 6.44 0.56 6.07 0.53 1.80 0.1657 7.81 0.68 7.14 0.62 6.78 0.59 1.85 0.1658 8.50 0.74 7.84 0.69 7.47 0.65 1.90 0.1759 9.19 0.80 8.54 0.75 8.18 0.72 1.95 0.17

60 9.87 0.86 9.24 0.81 8.87 0.78 2.00 0.1861 10.62 0.93 9.99 0.87 9.60 0.8462 11.37 0.99 10.76 0.94 10.32 0.9063 12.11 1.06 11.51 1.01 11.05 0.9764 12.86 1.13 12.28 1.07 11.77 1.0365 13.60 1.19 13.03 1.14 12.49 1.0966 14.93 1.31 14.37 1.26 13.84 1.2167 16.26 1.42 15.70 1.37 15.20 1.3368 17.59 1.54 17.04 1.49 16.54 1.4569 18.92 1.66 18.36 1.61 17.90 1.57

70 20.25 1.77 19.70 1.72 19.25 1.68*71 26.32 2.30 25.61 2.24 25.02 2.19*72 32.39 2.83 31.51 2.76 30.79 2.69*73 38.46 3.37 37.42 3.27 36.55 3.20*74 44.53 3.90 43.33 3.79 42.32 3.70*75 50.60 4.43 49.23 4.31 48.09 4.21*76 56.67 4.96 55.14 4.82 53.86 4.71*77 62.74 5.49 61.04 5.34 59.63 5.22*78 68.81 6.02 66.95 5.86 65.40 5.72*79 74.87 6.55 72.85 6.37 71.17 6.23





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMBARBADOS PREMIUM RATES - FEMALE PREFERRED SELECT



20 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0921 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0922 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0923 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0924 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0925 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0926 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0927 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0928 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0929 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.09

30 1.99 0.17 1.32 0.12 1.00 0.09 9.00 1.00 0.0931 1.99 0.17 1.33 0.12 1.00 0.09 9.20 1.00 0.0932 2.00 0.18 1.36 0.12 1.03 0.09 9.30 1.00 0.0933 2.01 0.18 1.40 0.12 1.06 0.09 9.50 1.00 0.0934 2.04 0.18 1.42 0.12 1.08 0.09 9.60 1.00 0.0935 2.06 0.18 1.46 0.13 1.11 0.10 9.80 1.00 0.0936 2.10 0.18 1.50 0.13 1.15 0.10 9.90 1.00 0.0937 2.14 0.19 1.54 0.13 1.18 0.10 10.10 1.00 0.0938 2.18 0.19 1.58 0.14 1.23 0.11 10.20 1.00 0.0939 2.22 0.19 1.62 0.14 1.27 0.11 10.40 1.00 0.09

40 2.27 0.20 1.66 0.15 1.30 0.11 10.50 1.00 0.0941 2.37 0.21 1.75 0.15 1.38 0.12 10.70 1.03 0.0942 2.47 0.22 1.82 0.16 1.47 0.13 10.80 1.05 0.0943 2.56 0.22 1.90 0.17 1.54 0.13 11.00 1.08 0.0944 2.65 0.23 1.97 0.17 1.62 0.14 11.10 1.10 0.1045 2.75 0.24 2.05 0.18 1.70 0.15 11.30 1.13 0.1046 2.90 0.25 2.18 0.19 1.83 0.16 11.40 1.15 0.1047 3.04 0.27 2.31 0.20 1.96 0.17 11.60 1.18 0.1048 3.19 0.28 2.43 0.21 2.08 0.18 11.70 1.20 0.1149 3.34 0.29 2.56 0.22 2.21 0.19 11.90 1.23 0.11

50 3.48 0.30 2.69 0.24 2.34 0.20 12.00 1.25 0.1151 3.72 0.33 2.97 0.26 2.61 0.23 12.60 1.35 0.1252 3.97 0.35 3.24 0.28 2.88 0.25 13.20 1.45 0.1353 4.20 0.37 3.52 0.31 3.16 0.28 13.80 1.55 0.1454 4.44 0.39 3.79 0.33 3.44 0.30 14.40 1.65 0.1455 4.68 0.41 4.07 0.36 3.71 0.32 15.00 1.75 0.1556 5.15 0.45 4.55 0.40 4.17 0.36 1.80 0.1657 5.62 0.49 5.03 0.44 4.64 0.41 1.85 0.1658 6.08 0.53 5.52 0.48 5.10 0.45 1.90 0.1759 6.54 0.57 5.99 0.52 5.57 0.49 1.95 0.17

60 7.01 0.61 6.47 0.57 6.03 0.53 2.00 0.1861 7.53 0.66 7.00 0.61 6.52 0.5762 8.06 0.71 7.53 0.66 7.02 0.6163 8.60 0.75 8.06 0.71 7.52 0.6664 9.13 0.80 8.59 0.75 8.01 0.7065 9.66 0.85 9.12 0.80 8.50 0.7466 10.60 0.93 10.06 0.88 9.42 0.8267 11.55 1.01 10.99 0.96 10.34 0.9068 12.49 1.09 11.92 1.04 11.25 0.9869 13.43 1.18 12.86 1.13 12.17 1.06

70 14.38 1.26 13.80 1.21 13.09 1.15*71 18.32 1.60 17.58 1.54 16.67 1.46*72 22.26 1.95 21.37 1.87 20.27 1.77*73 26.20 2.29 25.14 2.20 23.85 2.09*74 30.14 2.64 28.93 2.53 27.45 2.40*75 34.08 2.98 32.71 2.86 31.03 2.72*76 38.02 3.33 36.50 3.19 34.62 3.03*77 41.96 3.67 40.29 3.53 38.21 3.34*78 45.90 4.02 44.06 3.86 41.80 3.66*79 49.84 4.36 47.85 4.19 45.39 3.97




July 1, 20061999 Series

Page C.5B.4

Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMBARBADOS PREMIUM RATES - MALE PREFERRED SELECT PLUS



20 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0921 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0922 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0923 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0924 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0925 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0926 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0927 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0928 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0929 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.09

30 2.16 0.19 1.61 0.14 1.30 0.11 6.00 1.00 0.0931 2.16 0.19 1.62 0.14 1.31 0.11 6.10 1.00 0.0932 2.16 0.19 1.62 0.14 1.31 0.11 6.20 1.00 0.0933 2.16 0.19 1.63 0.14 1.33 0.12 6.30 1.00 0.0934 2.16 0.19 1.64 0.14 1.33 0.12 6.40 1.00 0.0935 2.17 0.19 1.65 0.14 1.35 0.12 6.50 1.00 0.0936 2.21 0.19 1.70 0.15 1.39 0.12 6.60 1.00 0.0937 2.26 0.20 1.74 0.15 1.44 0.13 6.70 1.00 0.0938 2.29 0.20 1.79 0.16 1.48 0.13 6.80 1.00 0.0939 2.34 0.20 1.83 0.16 1.53 0.13 6.90 1.00 0.09

40 2.38 0.21 1.87 0.16 1.57 0.14 7.00 1.00 0.0941 2.49 0.22 1.98 0.17 1.67 0.15 7.10 1.03 0.0942 2.60 0.23 2.09 0.18 1.78 0.16 7.20 1.05 0.0943 2.71 0.24 2.20 0.19 1.89 0.17 7.30 1.08 0.0944 2.81 0.25 2.31 0.20 1.99 0.17 7.40 1.10 0.1045 2.92 0.26 2.41 0.21 2.10 0.18 7.50 1.13 0.1046 3.13 0.27 2.60 0.23 2.29 0.20 7.60 1.15 0.1047 3.33 0.29 2.79 0.24 2.48 0.22 7.70 1.18 0.1048 3.54 0.31 2.99 0.26 2.67 0.23 7.80 1.20 0.1149 3.74 0.33 3.17 0.28 2.85 0.25 7.90 1.23 0.11

50 3.94 0.34 3.36 0.29 3.04 0.27 8.00 1.25 0.1151 4.32 0.38 3.73 0.33 3.41 0.30 8.40 1.35 0.1252 4.70 0.41 4.10 0.36 3.77 0.33 8.80 1.45 0.1353 5.08 0.44 4.47 0.39 4.14 0.36 9.20 1.55 0.1454 5.46 0.48 4.84 0.42 4.50 0.39 9.60 1.65 0.1455 5.83 0.51 5.20 0.46 4.86 0.43 10.00 1.75 0.1556 6.45 0.56 5.84 0.51 5.49 0.48 1.80 0.1657 7.07 0.62 6.46 0.57 6.12 0.54 1.85 0.1658 7.68 0.67 7.09 0.62 6.75 0.59 1.90 0.1759 8.29 0.73 7.70 0.67 7.38 0.65 1.95 0.17

60 8.90 0.78 8.32 0.73 8.00 0.70 2.00 0.1861 9.57 0.84 9.00 0.79 8.65 0.7662 10.24 0.90 9.69 0.85 9.30 0.8163 10.91 0.95 10.37 0.91 9.95 0.8764 11.59 1.01 11.06 0.97 10.60 0.9365 12.26 1.07 11.74 1.03 11.26 0.9966 13.46 1.18 12.95 1.13 12.47 1.0967 14.65 1.28 14.15 1.24 13.69 1.2068 15.85 1.39 15.35 1.34 14.91 1.3069 17.05 1.49 16.55 1.45 16.13 1.41

70 18.25 1.60 17.75 1.55 17.34 1.52*71 23.71 2.07 23.07 2.02 22.54 1.97*72 29.18 2.55 28.40 2.49 27.74 2.43*73 34.65 3.03 33.72 2.95 32.94 2.88*74 40.12 3.51 39.04 3.42 38.14 3.34*75 45.59 3.99 44.36 3.88 43.34 3.79*76 51.06 4.47 49.68 4.35 48.54 4.25*77 56.53 4.95 55.01 4.81 53.73 4.70*78 62.00 5.43 60.33 5.28 58.93 5.16*79 67.47 5.90 65.65 5.74 64.13 5.61




July 1, 20061999 Series

Page C.5B.5

Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMBARBADOS PREMIUM RATES - FEMALE PREFERRED SELECT PLUS



20 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0921 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0922 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0923 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0924 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0925 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0926 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0927 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0928 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0929 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.09

30 1.87 0.16 1.22 0.11 0.91 0.08 9.00 1.00 0.0931 1.87 0.16 1.25 0.11 0.93 0.08 9.20 1.00 0.0932 1.89 0.17 1.27 0.11 0.95 0.08 9.30 1.00 0.0933 1.90 0.17 1.30 0.11 0.98 0.09 9.50 1.00 0.0934 1.92 0.17 1.33 0.12 1.00 0.09 9.60 1.00 0.0935 1.93 0.17 1.36 0.12 1.02 0.09 9.80 1.00 0.0936 1.97 0.17 1.40 0.12 1.06 0.09 9.90 1.00 0.0937 2.01 0.18 1.43 0.13 1.09 0.10 10.10 1.00 0.0938 2.04 0.18 1.47 0.13 1.13 0.10 10.20 1.00 0.0939 2.08 0.18 1.50 0.13 1.16 0.10 10.40 1.00 0.09

40 2.11 0.18 1.54 0.13 1.19 0.10 10.50 1.00 0.0941 2.20 0.19 1.61 0.14 1.27 0.11 10.70 1.03 0.0942 2.29 0.20 1.68 0.15 1.34 0.12 10.80 1.05 0.0943 2.37 0.21 1.75 0.15 1.41 0.12 11.00 1.08 0.0944 2.46 0.22 1.81 0.16 1.48 0.13 11.10 1.10 0.1045 2.55 0.22 1.89 0.17 1.55 0.14 11.30 1.13 0.1046 2.67 0.23 2.00 0.18 1.67 0.15 11.40 1.15 0.1047 2.80 0.25 2.12 0.19 1.78 0.16 11.60 1.18 0.1048 2.94 0.26 2.23 0.20 1.90 0.17 11.70 1.20 0.1149 3.07 0.27 2.34 0.20 2.01 0.18 11.90 1.23 0.11

50 3.19 0.28 2.45 0.21 2.13 0.19 12.00 1.25 0.1151 3.41 0.30 2.71 0.24 2.37 0.21 12.60 1.35 0.1252 3.63 0.32 2.95 0.26 2.62 0.23 13.20 1.45 0.1353 3.83 0.34 3.20 0.28 2.87 0.25 13.80 1.55 0.1454 4.05 0.35 3.44 0.30 3.11 0.27 14.40 1.65 0.1455 4.26 0.37 3.69 0.32 3.36 0.29 15.00 1.75 0.1556 4.68 0.41 4.12 0.36 3.77 0.33 1.80 0.1657 5.09 0.45 4.55 0.40 4.19 0.37 1.85 0.1658 5.50 0.48 4.99 0.44 4.61 0.40 1.90 0.1759 5.91 0.52 5.41 0.47 5.03 0.44 1.95 0.17

60 6.31 0.55 5.83 0.51 5.44 0.48 2.00 0.1861 6.79 0.59 6.31 0.55 5.88 0.5162 7.27 0.64 6.78 0.59 6.32 0.5563 7.75 0.68 7.27 0.64 6.77 0.5964 8.22 0.72 7.74 0.68 7.22 0.6365 8.70 0.76 8.22 0.72 7.66 0.6766 9.55 0.84 9.06 0.79 8.49 0.7467 10.41 0.91 9.91 0.87 9.32 0.8268 11.25 0.98 10.74 0.94 10.14 0.8969 12.10 1.06 11.59 1.01 10.96 0.96

70 12.96 1.13 12.43 1.09 11.79 1.03*71 16.51 1.44 15.84 1.39 15.02 1.31*72 20.06 1.76 19.25 1.68 18.26 1.60*73 23.61 2.07 22.66 1.98 21.49 1.88*74 27.16 2.38 26.07 2.28 24.73 2.16*75 30.71 2.69 29.48 2.58 27.96 2.45*76 34.26 3.00 32.89 2.88 31.19 2.73*77 37.81 3.31 36.30 3.18 34.43 3.01*78 41.36 3.62 39.70 3.47 37.66 3.30*79 44.91 3.93 43.12 3.77 40.90 3.58




July 1, 2006 1999 SeriesPage C.5B.6

Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMBARBADOS PREMIUM RATES - MALE STANDARD



20 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0921 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0922 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0923 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0924 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0925 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0926 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0927 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0928 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0929 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.09

30 7.60 0.67 4.00 0.35 2.96 0.26 2.46 0.22 2.17 0.19 6.00 1.00 0.0931 7.68 0.67 4.09 0.36 3.05 0.27 2.54 0.22 2.24 0.20 6.10 1.00 0.0932 7.76 0.68 4.18 0.37 3.15 0.28 2.62 0.23 2.31 0.20 6.20 1.00 0.0933 7.84 0.69 4.27 0.37 3.24 0.28 2.69 0.24 2.39 0.21 6.30 1.00 0.0934 7.92 0.69 4.36 0.38 3.34 0.29 2.77 0.24 2.46 0.22 6.40 1.00 0.0935 8.00 0.70 4.45 0.39 3.43 0.30 2.85 0.25 2.53 0.22 6.50 1.00 0.0936 8.21 0.72 4.68 0.41 3.61 0.32 3.02 0.26 2.69 0.24 6.60 1.00 0.0937 8.42 0.74 4.91 0.43 3.80 0.33 3.19 0.28 2.85 0.25 6.70 1.00 0.0938 8.63 0.76 5.14 0.45 3.98 0.35 3.37 0.29 3.01 0.26 6.80 1.00 0.0939 8.84 0.77 5.37 0.47 4.17 0.36 3.54 0.31 3.17 0.28 6.90 1.00 0.09

40 9.05 0.79 5.60 0.49 4.35 0.38 3.71 0.32 3.33 0.29 7.00 1.00 0.0941 9.54 0.83 6.06 0.53 4.81 0.42 4.13 0.36 3.74 0.33 7.10 1.03 0.0942 10.03 0.88 6.52 0.57 5.26 0.46 4.55 0.40 4.16 0.36 7.20 1.05 0.0943 10.52 0.92 6.98 0.61 5.72 0.50 4.98 0.44 4.57 0.40 7.30 1.08 0.0944 11.01 0.96 7.44 0.65 6.17 0.54 5.40 0.47 4.99 0.44 7.40 1.10 0.1045 11.50 1.01 7.90 0.69 6.63 0.58 5.82 0.51 5.40 0.47 7.50 1.13 0.1046 12.34 1.08 8.66 0.76 7.30 0.64 6.50 0.57 6.07 0.53 7.60 1.15 0.1047 13.18 1.15 9.42 0.82 7.98 0.70 7.17 0.63 6.74 0.59 7.70 1.18 0.1048 14.02 1.23 10.18 0.89 8.65 0.76 7.85 0.69 7.41 0.65 7.80 1.20 0.1149 14.86 1.30 10.94 0.96 9.33 0.82 8.52 0.75 8.08 0.71 7.90 1.23 0.11

50 15.70 1.37 11.70 1.02 10.00 0.88 9.20 0.81 8.75 0.77 8.00 1.25 0.1151 17.11 1.50 12.93 1.13 11.08 0.97 10.31 0.90 9.88 0.86 8.40 1.35 0.1252 18.52 1.62 14.16 1.24 12.16 1.06 11.42 1.00 11.01 0.96 8.80 1.45 0.1353 19.93 1.74 15.39 1.35 13.24 1.16 12.53 1.10 12.14 1.06 9.20 1.55 0.1454 21.34 1.87 16.62 1.45 14.32 1.25 13.64 1.19 13.27 1.16 9.60 1.65 0.1455 22.75 1.99 17.85 1.56 15.40 1.35 14.75 1.29 14.40 1.26 10.00 1.75 0.1556 24.21 2.12 19.40 1.70 17.10 1.50 16.40 1.44 16.04 1.40 1.80 0.1657 25.67 2.25 20.95 1.83 18.80 1.65 18.05 1.58 17.68 1.55 1.85 0.1658 27.13 2.37 22.50 1.97 20.50 1.79 19.70 1.72 19.32 1.69 1.90 0.1759 28.59 2.50 24.05 2.10 22.20 1.94 21.35 1.87 20.96 1.83 1.95 0.17

60 30.05 2.63 25.60 2.24 23.90 2.09 23.00 2.01 22.60 1.98 2.00 0.1861 31.68 2.77 27.20 2.38 25.55 2.24 24.64 2.16 24.18 2.1262 33.31 2.91 28.80 2.52 27.20 2.38 26.28 2.30 25.76 2.2563 34.94 3.06 30.40 2.66 28.85 2.52 27.92 2.44 27.34 2.3964 36.57 3.20 32.00 2.80 30.50 2.67 29.56 2.59 28.92 2.5365 38.20 3.34 33.60 2.94 32.15 2.81 31.20 2.73 30.50 2.6766 41.14 3.60 36.56 3.20 35.15 3.08 34.24 3.00 33.50 2.9367 44.08 3.86 39.52 3.46 38.15 3.34 37.28 3.26 36.50 3.1968 47.02 4.11 42.48 3.72 41.15 3.60 40.32 3.53 39.50 3.4669 49.96 4.37 45.44 3.98 44.15 3.86 43.36 3.79 42.50 3.72

70 52.90 4.63 48.40 4.24 47.15 4.13 46.40 4.06 45.50 3.98*71 68.67 6.01 62.92 5.51 61.28 5.36 60.32 5.28 59.13 5.17*72 84.44 7.39 77.44 6.78 75.41 6.60 74.24 6.50 72.76 6.37*73 100.21 8.77 91.96 8.05 89.54 7.83 88.16 7.71 86.39 7.56*74 115.98 10.15 106.48 9.32 103.67 9.07 102.08 8.93 100.02 8.75*75 131.75 11.53 121.00 10.59 117.80 10.31 116.00 10.15 113.65 9.94*76 147.52 12.91 135.52 11.86 131.93 11.54 129.92 11.37 127.28 11.14*77 163.29 14.29 150.04 13.13 146.06 12.78 143.84 12.59 140.91 12.33*78 179.06 15.67 164.56 14.40 160.19 14.02 157.76 13.80 154.54 13.52*79 194.83 17.05 179.08 15.67 174.32 15.25 171.68 15.02 168.17 14.71





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMBARBADOS PREMIUM RATES - FEMALE STANDARD



20 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0921 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0922 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0923 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0924 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0925 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0926 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0927 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0928 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0929 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.09

30 7.00 0.61 3.60 0.32 2.37 0.21 1.75 0.15 1.40 0.12 9.00 1.00 0.0931 7.10 0.62 3.71 0.32 2.48 0.22 1.84 0.16 1.48 0.13 9.20 1.00 0.0932 7.21 0.63 3.82 0.33 2.58 0.23 1.93 0.17 1.56 0.14 9.30 1.00 0.0933 7.31 0.64 3.93 0.34 2.69 0.24 2.02 0.18 1.64 0.14 9.50 1.00 0.0934 7.42 0.65 4.04 0.35 2.79 0.24 2.11 0.18 1.72 0.15 9.60 1.00 0.0935 7.52 0.66 4.15 0.36 2.90 0.25 2.20 0.19 1.80 0.16 9.80 1.00 0.0936 7.74 0.68 4.37 0.38 3.07 0.27 2.36 0.21 1.96 0.17 9.90 1.00 0.0937 7.95 0.70 4.59 0.40 3.24 0.28 2.52 0.22 2.12 0.19 10.10 1.00 0.0938 8.17 0.71 4.81 0.42 3.41 0.30 2.68 0.23 2.28 0.20 10.20 1.00 0.0939 8.38 0.73 5.03 0.44 3.58 0.31 2.84 0.25 2.44 0.21 10.40 1.00 0.09

40 8.60 0.75 5.25 0.46 3.75 0.33 3.00 0.26 2.60 0.23 10.50 1.00 0.0941 8.93 0.78 5.54 0.48 4.02 0.35 3.27 0.29 2.87 0.25 10.70 1.03 0.0942 9.26 0.81 5.83 0.51 4.29 0.38 3.54 0.31 3.14 0.27 10.80 1.05 0.0943 9.59 0.84 6.12 0.54 4.56 0.40 3.81 0.33 3.41 0.30 11.00 1.08 0.0944 9.92 0.87 6.41 0.56 4.83 0.42 4.08 0.36 3.68 0.32 11.10 1.10 0.1045 10.25 0.90 6.70 0.59 5.10 0.45 4.35 0.38 3.95 0.35 11.30 1.13 0.1046 10.68 0.93 7.05 0.62 5.46 0.48 4.71 0.41 4.30 0.38 11.40 1.15 0.1047 11.11 0.97 7.40 0.65 5.82 0.51 5.07 0.44 4.65 0.41 11.60 1.18 0.1048 11.54 1.01 7.75 0.68 6.18 0.54 5.43 0.48 5.00 0.44 11.70 1.20 0.1149 11.97 1.05 8.10 0.71 6.54 0.57 5.79 0.51 5.35 0.47 11.90 1.23 0.11

50 12.40 1.09 8.45 0.74 6.90 0.60 6.15 0.54 5.70 0.50 12.00 1.25 0.1151 13.06 1.14 9.12 0.80 7.52 0.66 6.75 0.59 6.31 0.55 12.60 1.35 0.1252 13.72 1.20 9.79 0.86 8.14 0.71 7.35 0.64 6.92 0.61 13.20 1.45 0.1353 14.38 1.26 10.46 0.92 8.76 0.77 7.95 0.70 7.53 0.66 13.80 1.55 0.1454 15.04 1.32 11.13 0.97 9.38 0.82 8.55 0.75 8.14 0.71 14.40 1.65 0.1455 15.70 1.37 11.80 1.03 10.00 0.88 9.15 0.80 8.75 0.77 15.00 1.75 0.1556 16.61 1.45 12.72 1.11 10.93 0.96 10.08 0.88 9.65 0.84 1.80 0.1657 17.52 1.53 13.64 1.19 11.86 1.04 11.01 0.96 10.55 0.92 1.85 0.1658 18.43 1.61 14.56 1.27 12.79 1.12 11.94 1.04 11.45 1.00 1.90 0.1759 19.34 1.69 15.48 1.35 13.72 1.20 12.87 1.13 12.35 1.08 1.95 0.17

60 20.25 1.77 16.40 1.44 14.65 1.28 13.80 1.21 13.25 1.16 2.00 0.1861 20.94 1.83 17.04 1.49 15.20 1.33 14.35 1.26 13.77 1.2062 21.63 1.89 17.68 1.55 15.75 1.38 14.90 1.30 14.29 1.2563 22.32 1.95 18.32 1.60 16.30 1.43 15.45 1.35 14.81 1.3064 23.01 2.01 18.96 1.66 16.85 1.47 16.00 1.40 15.33 1.3465 23.70 2.07 19.60 1.72 17.40 1.52 16.55 1.45 15.85 1.3966 25.52 2.23 21.30 1.86 19.01 1.66 18.16 1.59 17.41 1.5267 27.34 2.39 23.00 2.01 20.62 1.80 19.77 1.73 18.97 1.6668 29.16 2.55 24.70 2.16 22.23 1.95 21.38 1.87 20.53 1.8069 30.98 2.71 26.40 2.31 23.84 2.09 22.99 2.01 22.09 1.93

70 32.80 2.87 28.10 2.46 25.45 2.23 24.60 2.15 23.65 2.07*71 41.99 3.67 35.98 3.15 32.58 2.85 31.50 2.76 30.28 2.65*72 51.18 4.48 43.86 3.84 39.71 3.47 38.40 3.36 36.91 3.23*73 60.37 5.28 51.74 4.53 46.84 4.10 45.30 3.96 43.54 3.81*74 69.56 6.09 59.62 5.22 53.97 4.72 52.20 4.57 50.17 4.39*75 78.75 6.89 67.50 5.91 61.10 5.35 59.10 5.17 56.80 4.97*76 87.94 7.69 75.38 6.60 68.23 5.97 66.00 5.78 63.43 5.55*77 97.13 8.50 83.26 7.29 75.36 6.59 72.90 6.38 70.06 6.13*78 106.32 9.30 91.14 7.97 82.49 7.22 79.80 6.98 76.69 6.71*79 115.51 10.11 99.02 8.66 89.62 7.84 86.70 7.59 83.32 7.29





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMOECS PREMIUM RATES - MALE PREFERRED



20 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0921 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0922 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0923 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0924 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0925 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0926 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0927 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0928 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0929 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.09

30 10.35 0.91 4.95 0.43 3.05 0.27 2.45 0.21 1.90 0.17 6.00 1.00 0.0931 10.36 0.91 4.97 0.43 3.07 0.27 2.47 0.22 1.92 0.17 6.10 1.00 0.0932 10.37 0.91 4.98 0.44 3.08 0.27 2.48 0.22 1.93 0.17 6.20 1.00 0.0933 10.38 0.91 5.00 0.44 3.10 0.27 2.50 0.22 1.95 0.17 6.30 1.00 0.0934 10.39 0.91 5.01 0.44 3.11 0.27 2.51 0.22 1.96 0.17 6.40 1.00 0.0935 10.40 0.91 5.03 0.44 3.13 0.27 2.53 0.22 1.98 0.17 6.50 1.00 0.0936 10.46 0.92 5.08 0.44 3.18 0.28 2.58 0.23 2.03 0.18 6.60 1.00 0.0937 10.52 0.92 5.14 0.45 3.24 0.28 2.64 0.23 2.09 0.18 6.70 1.00 0.0938 10.58 0.93 5.19 0.45 3.29 0.29 2.69 0.24 2.14 0.19 6.80 1.00 0.0939 10.64 0.93 5.25 0.46 3.35 0.29 2.75 0.24 2.20 0.19 6.90 1.00 0.09

40 10.70 0.94 5.30 0.46 3.40 0.30 2.80 0.25 2.25 0.20 7.00 1.00 0.0941 10.91 0.95 5.45 0.48 3.52 0.31 2.92 0.26 2.38 0.21 7.10 1.03 0.0942 11.12 0.97 5.60 0.49 3.64 0.32 3.04 0.27 2.51 0.22 7.20 1.05 0.0943 11.33 0.99 5.75 0.50 3.76 0.33 3.16 0.28 2.64 0.23 7.30 1.08 0.0944 11.54 1.01 5.90 0.52 3.88 0.34 3.28 0.29 2.77 0.24 7.40 1.10 0.1045 11.75 1.03 6.05 0.53 4.00 0.35 3.40 0.30 2.90 0.25 7.50 1.13 0.1046 12.10 1.06 6.33 0.55 4.26 0.37 3.63 0.32 3.12 0.27 7.60 1.15 0.1047 12.45 1.09 6.61 0.58 4.52 0.40 3.86 0.34 3.34 0.29 7.70 1.18 0.1048 12.80 1.12 6.89 0.60 4.78 0.42 4.09 0.36 3.56 0.31 7.80 1.20 0.1149 13.15 1.15 7.17 0.63 5.04 0.44 4.32 0.38 3.78 0.33 7.90 1.23 0.11

50 13.50 1.18 7.45 0.65 5.30 0.46 4.55 0.40 4.00 0.35 8.00 1.25 0.1151 14.09 1.23 8.00 0.70 5.81 0.51 5.02 0.44 4.42 0.39 8.40 1.35 0.1252 14.68 1.28 8.55 0.75 6.32 0.55 5.49 0.48 4.84 0.42 8.80 1.45 0.1353 15.27 1.34 9.10 0.80 6.83 0.60 5.96 0.52 5.26 0.46 9.20 1.55 0.1454 15.86 1.39 9.65 0.84 7.34 0.64 6.43 0.56 5.68 0.50 9.60 1.65 0.1455 16.45 1.44 10.20 0.89 7.85 0.69 6.90 0.60 6.10 0.53 10.00 1.75 0.1556 17.23 1.51 10.94 0.96 8.57 0.75 7.68 0.67 6.86 0.60 1.80 0.1657 18.01 1.58 11.68 1.02 9.29 0.81 8.46 0.74 7.62 0.67 1.85 0.1658 18.79 1.64 12.42 1.09 10.01 0.88 9.24 0.81 8.38 0.73 1.90 0.1759 19.57 1.71 13.16 1.15 10.73 0.94 10.02 0.88 9.14 0.80 1.95 0.17

60 20.35 1.78 13.90 1.22 11.45 1.00 10.80 0.95 9.90 0.87 2.00 0.1861 21.13 1.85 14.67 1.28 12.20 1.07 11.50 1.01 10.67 0.9362 21.91 1.92 15.44 1.35 12.95 1.13 12.21 1.07 11.43 1.0063 22.69 1.99 16.21 1.42 13.70 1.20 12.91 1.13 12.20 1.0764 23.47 2.05 16.98 1.49 14.45 1.26 13.62 1.19 12.96 1.1365 24.25 2.12 17.75 1.55 15.20 1.33 14.32 1.25 13.73 1.2066 25.92 2.27 19.40 1.70 16.76 1.47 15.79 1.38 15.21 1.3367 27.59 2.41 21.05 1.84 18.32 1.60 17.25 1.51 16.70 1.4668 29.26 2.56 22.70 1.99 19.88 1.74 18.72 1.64 18.18 1.5969 30.93 2.71 24.35 2.13 21.44 1.88 20.18 1.77 19.67 1.72

70 32.60 2.85 26.00 2.28 23.00 2.01 21.65 1.89 21.15 1.85*71 42.38 3.71 33.80 2.96 29.90 2.62 28.14 2.46 27.49 2.41*72 52.16 4.56 41.60 3.64 36.80 3.22 34.63 3.03 33.83 2.96*73 61.94 5.42 49.40 4.32 43.70 3.82 41.12 3.60 40.17 3.51*74 71.72 6.28 57.20 5.01 50.60 4.43 47.61 4.17 46.51 4.07*75 81.50 7.13 65.00 5.69 57.50 5.03 54.10 4.73 52.85 4.62*76 91.28 7.99 72.80 6.37 64.40 5.64 60.59 5.30 59.19 5.18*77 101.06 8.84 80.60 7.05 71.30 6.24 67.08 5.87 65.53 5.73*78 110.84 9.70 88.40 7.74 78.20 6.84 73.57 6.44 71.87 6.29*79 120.62 10.55 96.20 8.42 85.10 7.45 80.06 7.01 78.21 6.84





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMOECS PREMIUM RATES - FEMALE PREFERRED



20 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0921 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0922 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0923 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0924 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0925 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0926 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0927 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0928 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0929 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.09

30 10.14 0.89 4.80 0.42 2.81 0.25 1.91 0.17 1.46 0.13 9.00 1.00 0.0931 10.17 0.89 4.84 0.42 2.84 0.25 1.95 0.17 1.49 0.13 9.20 1.00 0.0932 10.20 0.89 4.87 0.43 2.87 0.25 1.99 0.17 1.52 0.13 9.30 1.00 0.0933 10.24 0.90 4.91 0.43 2.91 0.25 2.02 0.18 1.56 0.14 9.50 1.00 0.0934 10.27 0.90 4.94 0.43 2.94 0.26 2.06 0.18 1.59 0.14 9.60 1.00 0.0935 10.30 0.90 4.98 0.44 2.97 0.26 2.10 0.18 1.62 0.14 9.80 1.00 0.0936 10.36 0.91 5.03 0.44 3.02 0.26 2.15 0.19 1.67 0.15 9.90 1.00 0.0937 10.42 0.91 5.09 0.45 3.07 0.27 2.20 0.19 1.72 0.15 10.10 1.00 0.0938 10.47 0.92 5.14 0.45 3.12 0.27 2.25 0.20 1.77 0.15 10.20 1.00 0.0939 10.53 0.92 5.20 0.46 3.17 0.28 2.30 0.20 1.82 0.16 10.40 1.00 0.09

40 10.59 0.93 5.25 0.46 3.22 0.28 2.35 0.21 1.87 0.16 10.50 1.00 0.0941 10.80 0.95 5.40 0.47 3.33 0.29 2.45 0.21 1.98 0.17 10.70 1.03 0.0942 11.01 0.96 5.55 0.49 3.44 0.30 2.55 0.22 2.09 0.18 10.80 1.05 0.0943 11.21 0.98 5.69 0.50 3.54 0.31 2.66 0.23 2.19 0.19 11.00 1.08 0.0944 11.42 1.00 5.84 0.51 3.65 0.32 2.76 0.24 2.30 0.20 11.10 1.10 0.1045 11.63 1.02 5.99 0.52 3.76 0.33 2.86 0.25 2.41 0.21 11.30 1.13 0.1046 11.95 1.05 6.24 0.55 3.94 0.34 3.00 0.26 2.54 0.22 11.40 1.15 0.1047 12.27 1.07 6.49 0.57 4.12 0.36 3.14 0.27 2.68 0.23 11.60 1.18 0.1048 12.59 1.10 6.73 0.59 4.30 0.38 3.27 0.29 2.81 0.25 11.70 1.20 0.1149 12.91 1.13 6.98 0.61 4.48 0.39 3.41 0.30 2.95 0.26 11.90 1.23 0.11

50 13.23 1.16 7.23 0.63 4.66 0.41 3.55 0.31 3.08 0.27 12.00 1.25 0.1151 13.68 1.20 7.66 0.67 5.03 0.44 3.85 0.34 3.35 0.29 12.60 1.35 0.1252 14.12 1.24 8.09 0.71 5.40 0.47 4.15 0.36 3.63 0.32 13.20 1.45 0.1353 14.57 1.27 8.52 0.75 5.78 0.51 4.44 0.39 3.90 0.34 13.80 1.55 0.1454 15.01 1.31 8.95 0.78 6.15 0.54 4.74 0.41 4.18 0.37 14.40 1.65 0.1455 15.46 1.35 9.38 0.82 6.52 0.57 5.04 0.44 4.45 0.39 15.00 1.75 0.1556 15.95 1.40 9.89 0.87 6.98 0.61 5.57 0.49 4.97 0.43 1.80 0.1657 16.44 1.44 10.41 0.91 7.44 0.65 6.09 0.53 5.48 0.48 1.85 0.1658 16.93 1.48 10.92 0.96 7.90 0.69 6.62 0.58 6.00 0.53 1.90 0.1759 17.42 1.52 11.44 1.00 8.36 0.73 7.14 0.62 6.51 0.57 1.95 0.17

60 17.91 1.57 11.95 1.05 8.82 0.77 7.67 0.67 7.03 0.62 2.00 0.1861 18.60 1.63 12.61 1.10 9.40 0.82 8.17 0.71 7.57 0.6662 19.28 1.69 13.28 1.16 9.97 0.87 8.67 0.76 8.12 0.7163 19.97 1.75 13.94 1.22 10.55 0.92 9.17 0.80 8.66 0.7664 20.65 1.81 14.61 1.28 11.12 0.97 9.67 0.85 9.21 0.8165 21.34 1.87 15.27 1.34 11.70 1.02 10.17 0.89 9.75 0.8566 22.81 2.00 16.69 1.46 12.90 1.13 11.21 0.98 10.80 0.9567 24.28 2.12 18.11 1.58 14.10 1.23 12.25 1.07 11.85 1.0468 25.75 2.25 19.52 1.71 15.31 1.34 13.29 1.16 12.90 1.1369 27.22 2.38 20.94 1.83 16.51 1.44 14.33 1.25 13.95 1.22

70 28.69 2.51 22.36 1.96 17.71 1.55 15.37 1.34 15.00 1.31*71 36.55 3.20 28.49 2.49 22.57 1.97 19.59 1.71 19.11 1.67*72 44.41 3.89 34.62 3.03 27.43 2.40 23.80 2.08 23.22 2.03*73 52.28 4.57 40.74 3.56 32.28 2.82 28.02 2.45 27.33 2.39*74 60.14 5.26 46.87 4.10 37.14 3.25 32.23 2.82 31.44 2.75*75 68.00 5.95 53.00 4.64 42.00 3.68 36.45 3.19 35.55 3.11*76 75.86 6.64 59.13 5.17 46.86 4.10 40.67 3.56 39.66 3.47*77 83.72 7.33 65.26 5.71 51.72 4.53 44.88 3.93 43.77 3.83*78 91.59 8.01 71.38 6.25 56.57 4.95 49.10 4.30 47.88 4.19*79 99.45 8.70 77.51 6.78 61.43 5.38 53.31 4.66 51.99 4.55





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMOECS PREMIUM RATES - MALE PREFERRED SELECT



20 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0921 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0922 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0923 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0924 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0925 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0926 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0927 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0928 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0929 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.09

30 2.94 0.26 2.34 0.20 1.81 0.16 6.00 1.00 0.0931 2.94 0.26 2.34 0.20 1.81 0.16 6.10 1.00 0.0932 2.94 0.26 2.34 0.20 1.81 0.16 6.20 1.00 0.0933 2.94 0.26 2.34 0.20 1.81 0.16 6.30 1.00 0.0934 2.94 0.26 2.35 0.21 1.82 0.16 6.40 1.00 0.0935 2.95 0.26 2.37 0.21 1.83 0.16 6.50 1.00 0.0936 3.00 0.26 2.41 0.21 1.88 0.16 6.60 1.00 0.0937 3.05 0.27 2.46 0.22 1.93 0.17 6.70 1.00 0.0938 3.09 0.27 2.51 0.22 1.98 0.17 6.80 1.00 0.0939 3.14 0.27 2.56 0.22 2.03 0.18 6.90 1.00 0.09

40 3.18 0.28 2.60 0.23 2.08 0.18 7.00 1.00 0.0941 3.29 0.29 2.71 0.24 2.20 0.19 7.10 1.03 0.0942 3.40 0.30 2.82 0.25 2.31 0.20 7.20 1.05 0.0943 3.51 0.31 2.93 0.26 2.43 0.21 7.30 1.08 0.0944 3.61 0.32 3.04 0.27 2.55 0.22 7.40 1.10 0.1045 3.72 0.33 3.15 0.28 2.67 0.23 7.50 1.13 0.1046 3.96 0.35 3.35 0.29 2.87 0.25 7.60 1.15 0.1047 4.19 0.37 3.56 0.31 3.07 0.27 7.70 1.18 0.1048 4.43 0.39 3.77 0.33 3.27 0.29 7.80 1.20 0.1149 4.66 0.41 3.98 0.35 3.47 0.30 7.90 1.23 0.11

50 4.89 0.43 4.19 0.37 3.67 0.32 8.00 1.25 0.1151 5.36 0.47 4.61 0.40 4.05 0.35 8.40 1.35 0.1252 5.82 0.51 5.04 0.44 4.43 0.39 8.80 1.45 0.1353 6.28 0.55 5.47 0.48 4.81 0.42 9.20 1.55 0.1454 6.74 0.59 5.89 0.52 5.19 0.45 9.60 1.65 0.1455 7.20 0.63 6.31 0.55 5.57 0.49 10.00 1.75 0.1556 7.84 0.69 7.02 0.61 6.26 0.55 1.80 0.1657 8.49 0.74 7.72 0.68 6.95 0.61 1.85 0.1658 9.14 0.80 8.43 0.74 7.64 0.67 1.90 0.1759 9.78 0.86 9.13 0.80 8.32 0.73 1.95 0.17

60 10.42 0.91 9.83 0.86 9.01 0.79 2.00 0.1861 11.10 0.97 10.47 0.92 9.71 0.8562 11.78 1.03 11.11 0.97 10.40 0.9163 12.47 1.09 11.75 1.03 11.10 0.9764 13.15 1.15 12.39 1.08 11.79 1.0365 13.83 1.21 13.03 1.14 12.49 1.0966 15.25 1.33 14.37 1.26 13.84 1.2167 16.67 1.46 15.70 1.37 15.20 1.3368 18.09 1.58 17.04 1.49 16.54 1.4569 19.51 1.71 18.36 1.61 17.90 1.57

70 20.93 1.83 19.70 1.72 19.25 1.68*71 27.21 2.38 25.61 2.24 25.02 2.19*72 33.49 2.93 31.51 2.76 30.79 2.69*73 39.77 3.48 37.42 3.27 36.55 3.20*74 46.05 4.03 43.33 3.79 42.32 3.70*75 52.33 4.58 49.23 4.31 48.09 4.21*76 58.60 5.13 55.14 4.82 53.86 4.71*77 64.88 5.68 61.04 5.34 59.63 5.22*78 71.16 6.23 66.95 5.86 65.40 5.72*79 77.44 6.78 72.85 6.37 71.17 6.23





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMOECS PREMIUM RATES - FEMALE PREFERRED SELECT



20 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0921 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0922 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0923 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0924 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0925 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0926 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0927 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0928 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0929 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.09

30 2.71 0.24 1.82 0.16 1.39 0.12 9.00 1.00 0.0931 2.71 0.24 1.83 0.16 1.39 0.12 9.20 1.00 0.0932 2.72 0.24 1.87 0.16 1.41 0.12 9.30 1.00 0.0933 2.75 0.24 1.89 0.17 1.45 0.13 9.50 1.00 0.0934 2.78 0.24 1.93 0.17 1.47 0.13 9.60 1.00 0.0935 2.80 0.25 1.96 0.17 1.50 0.13 9.80 1.00 0.0936 2.84 0.25 2.01 0.18 1.55 0.14 9.90 1.00 0.0937 2.89 0.25 2.05 0.18 1.59 0.14 10.10 1.00 0.0938 2.93 0.26 2.10 0.18 1.64 0.14 10.20 1.00 0.0939 2.97 0.26 2.14 0.19 1.68 0.15 10.40 1.00 0.09

40 3.02 0.26 2.19 0.19 1.73 0.15 10.50 1.00 0.0941 3.11 0.27 2.28 0.20 1.83 0.16 10.70 1.03 0.0942 3.21 0.28 2.37 0.21 1.93 0.17 10.80 1.05 0.0943 3.30 0.29 2.47 0.22 2.02 0.18 11.00 1.08 0.0944 3.40 0.30 2.56 0.22 2.12 0.19 11.10 1.10 0.1045 3.50 0.31 2.65 0.23 2.22 0.19 11.30 1.13 0.1046 3.66 0.32 2.77 0.24 2.34 0.20 11.40 1.15 0.1047 3.82 0.33 2.90 0.25 2.46 0.22 11.60 1.18 0.1048 3.98 0.35 3.01 0.26 2.58 0.23 11.70 1.20 0.1149 4.14 0.36 3.14 0.27 2.71 0.24 11.90 1.23 0.11

50 4.30 0.38 3.27 0.29 2.82 0.25 12.00 1.25 0.1151 4.64 0.41 3.54 0.31 3.07 0.27 12.60 1.35 0.1252 4.97 0.43 3.81 0.33 3.32 0.29 13.20 1.45 0.1353 5.31 0.46 4.07 0.36 3.57 0.31 13.80 1.55 0.1454 5.65 0.49 4.34 0.38 3.82 0.33 14.40 1.65 0.1455 5.98 0.52 4.61 0.40 4.06 0.36 15.00 1.75 0.1556 6.39 0.56 5.09 0.45 4.54 0.40 1.80 0.1657 6.80 0.60 5.56 0.49 5.00 0.44 1.85 0.1658 7.21 0.63 6.04 0.53 5.47 0.48 1.90 0.1759 7.62 0.67 6.50 0.57 5.93 0.52 1.95 0.17

60 8.03 0.70 6.98 0.61 6.40 0.56 2.00 0.1861 8.55 0.75 7.43 0.65 6.89 0.6062 9.07 0.79 7.89 0.69 7.39 0.6563 9.60 0.84 8.34 0.73 7.88 0.6964 10.12 0.89 8.80 0.77 8.38 0.7365 10.65 0.93 9.25 0.81 8.87 0.7866 11.74 1.03 10.20 0.89 9.83 0.8667 12.83 1.12 11.15 0.98 10.78 0.9468 13.93 1.22 12.09 1.06 11.74 1.0369 15.02 1.31 13.04 1.14 12.69 1.11

70 16.12 1.41 13.99 1.22 13.65 1.19*71 20.54 1.80 17.83 1.56 17.39 1.52*72 24.96 2.18 21.66 1.90 21.13 1.85*73 29.37 2.57 25.50 2.23 24.87 2.18*74 33.80 2.96 29.33 2.57 28.61 2.50*75 38.22 3.34 33.17 2.90 32.35 2.83*76 42.64 3.73 37.01 3.24 36.09 3.16*77 47.07 4.12 40.84 3.57 39.83 3.49*78 51.48 4.50 44.68 3.91 43.57 3.81*79 55.90 4.89 48.51 4.24 47.31 4.14





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMOECS PREMIUM RATES - MALE PREFERRED SELECT PLUS



20 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0921 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0922 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0923 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0924 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0925 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0926 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0927 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0928 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0929 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.09

30 2.78 0.24 2.17 0.19 1.64 0.14 6.00 1.00 0.0931 2.78 0.24 2.17 0.19 1.65 0.14 6.10 1.00 0.0932 2.78 0.24 2.17 0.19 1.65 0.14 6.20 1.00 0.0933 2.78 0.24 2.19 0.19 1.67 0.15 6.30 1.00 0.0934 2.78 0.24 2.19 0.19 1.68 0.15 6.40 1.00 0.0935 2.78 0.24 2.20 0.19 1.69 0.15 6.50 1.00 0.0936 2.81 0.25 2.24 0.20 1.73 0.15 6.60 1.00 0.0937 2.86 0.25 2.29 0.20 1.78 0.16 6.70 1.00 0.0938 2.89 0.25 2.32 0.20 1.82 0.16 6.80 1.00 0.0939 2.93 0.26 2.37 0.21 1.87 0.16 6.90 1.00 0.09

40 2.97 0.26 2.41 0.21 1.91 0.17 7.00 1.00 0.0941 3.06 0.27 2.51 0.22 2.01 0.18 7.10 1.03 0.0942 3.16 0.28 2.60 0.23 2.12 0.19 7.20 1.05 0.0943 3.25 0.28 2.70 0.24 2.22 0.19 7.30 1.08 0.0944 3.35 0.29 2.79 0.24 2.33 0.20 7.40 1.10 0.1045 3.44 0.30 2.89 0.25 2.44 0.21 7.50 1.13 0.1046 3.65 0.32 3.08 0.27 2.62 0.23 7.60 1.15 0.1047 3.86 0.34 3.27 0.29 2.80 0.25 7.70 1.18 0.1048 4.07 0.36 3.45 0.30 2.98 0.26 7.80 1.20 0.1149 4.28 0.37 3.64 0.32 3.16 0.28 7.90 1.23 0.11

50 4.49 0.39 3.82 0.33 3.33 0.29 8.00 1.25 0.1151 4.90 0.43 4.21 0.37 3.68 0.32 8.40 1.35 0.1252 5.32 0.47 4.59 0.40 4.02 0.35 8.80 1.45 0.1353 5.73 0.50 4.97 0.43 4.36 0.38 9.20 1.55 0.1454 6.14 0.54 5.35 0.47 4.70 0.41 9.60 1.65 0.1455 6.54 0.57 5.73 0.50 5.04 0.44 10.00 1.75 0.1556 7.12 0.62 6.36 0.56 5.66 0.50 1.80 0.1657 7.69 0.67 6.99 0.61 6.28 0.55 1.85 0.1658 8.26 0.72 7.61 0.67 6.89 0.60 1.90 0.1759 8.83 0.77 8.24 0.72 7.51 0.66 1.95 0.17

60 9.39 0.82 8.86 0.78 8.12 0.71 2.00 0.1861 10.00 0.88 9.43 0.83 8.75 0.7762 10.62 0.93 10.01 0.88 9.37 0.8263 11.23 0.98 10.59 0.93 10.00 0.8864 11.85 1.04 11.17 0.98 10.63 0.9365 12.46 1.09 11.74 1.03 11.26 0.9966 13.74 1.20 12.95 1.13 12.47 1.0967 15.02 1.31 14.15 1.24 13.69 1.2068 16.30 1.43 15.35 1.34 14.91 1.3069 17.58 1.54 16.55 1.45 16.13 1.41

70 18.86 1.65 17.75 1.55 17.34 1.52*71 24.52 2.15 23.07 2.02 22.54 1.97*72 30.18 2.64 28.40 2.49 27.74 2.43*73 35.83 3.14 33.72 2.95 32.94 2.88*74 41.49 3.63 39.04 3.42 38.14 3.34*75 47.15 4.13 44.36 3.88 43.34 3.79*76 52.81 4.62 49.68 4.35 48.54 4.25*77 58.47 5.12 55.01 4.81 53.73 4.70*78 64.12 5.61 60.33 5.28 58.93 5.16*79 69.78 6.11 65.65 5.74 64.13 5.61





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMOECS PREMIUM RATES - FEMALE PREFERRED SELECT PLUS



20 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0921 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0922 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0923 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0924 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0925 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0926 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0927 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0928 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0929 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.09

30 2.56 0.22 1.69 0.15 1.26 0.11 9.00 1.00 0.0931 2.56 0.22 1.71 0.15 1.28 0.11 9.20 1.00 0.0932 2.57 0.22 1.74 0.15 1.30 0.11 9.30 1.00 0.0933 2.60 0.23 1.77 0.15 1.34 0.12 9.50 1.00 0.0934 2.61 0.23 1.80 0.16 1.36 0.12 9.60 1.00 0.0935 2.63 0.23 1.83 0.16 1.38 0.12 9.80 1.00 0.0936 2.67 0.23 1.87 0.16 1.42 0.12 9.90 1.00 0.0937 2.71 0.24 1.91 0.17 1.46 0.13 10.10 1.00 0.0938 2.74 0.24 1.94 0.17 1.50 0.13 10.20 1.00 0.0939 2.78 0.24 1.98 0.17 1.54 0.13 10.40 1.00 0.09

40 2.81 0.25 2.02 0.18 1.58 0.14 10.50 1.00 0.0941 2.90 0.25 2.10 0.18 1.67 0.15 10.70 1.03 0.0942 2.99 0.26 2.18 0.19 1.76 0.15 10.80 1.05 0.0943 3.06 0.27 2.27 0.20 1.85 0.16 11.00 1.08 0.0944 3.15 0.28 2.35 0.21 1.94 0.17 11.10 1.10 0.1045 3.23 0.28 2.43 0.21 2.02 0.18 11.30 1.13 0.1046 3.38 0.30 2.54 0.22 2.13 0.19 11.40 1.15 0.1047 3.52 0.31 2.66 0.23 2.24 0.20 11.60 1.18 0.1048 3.66 0.32 2.76 0.24 2.35 0.21 11.70 1.20 0.1149 3.81 0.33 2.87 0.25 2.46 0.22 11.90 1.23 0.11

50 3.95 0.35 2.98 0.26 2.57 0.22 12.00 1.25 0.1151 4.25 0.37 3.23 0.28 2.79 0.24 12.60 1.35 0.1252 4.54 0.40 3.47 0.30 3.02 0.26 13.20 1.45 0.1353 4.85 0.42 3.70 0.32 3.23 0.28 13.80 1.55 0.1454 5.14 0.45 3.94 0.34 3.46 0.30 14.40 1.65 0.1455 5.43 0.48 4.18 0.37 3.68 0.32 15.00 1.75 0.1556 5.80 0.51 4.61 0.40 4.10 0.36 1.80 0.1657 6.16 0.54 5.03 0.44 4.52 0.40 1.85 0.1658 6.52 0.57 5.45 0.48 4.94 0.43 1.90 0.1759 6.88 0.60 5.87 0.51 5.35 0.47 1.95 0.17

60 7.23 0.63 6.29 0.55 5.76 0.50 2.00 0.1861 7.71 0.67 6.70 0.59 6.21 0.5462 8.18 0.72 7.11 0.62 6.66 0.5863 8.65 0.76 7.52 0.66 7.10 0.6264 9.12 0.80 7.93 0.69 7.55 0.6665 9.59 0.84 8.34 0.73 8.00 0.7066 10.58 0.93 9.19 0.80 8.86 0.7867 11.56 1.01 10.05 0.88 9.72 0.8568 12.55 1.10 10.90 0.95 10.58 0.9369 13.54 1.18 11.75 1.03 11.44 1.00

70 14.52 1.27 12.60 1.10 12.30 1.08*71 18.51 1.62 16.06 1.41 15.67 1.37*72 22.49 1.97 19.52 1.71 19.04 1.67*73 26.47 2.32 22.98 2.01 22.41 1.96*74 30.45 2.66 26.43 2.31 25.78 2.26*75 34.44 3.01 29.89 2.62 29.15 2.55*76 38.43 3.36 33.35 2.92 32.52 2.85*77 42.41 3.71 36.80 3.22 35.89 3.14*78 46.39 4.06 40.26 3.52 39.26 3.44*79 50.37 4.41 43.71 3.82 42.63 3.73





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMOECS PREMIUM RATES - MALE STANDARD



20 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0921 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0922 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0923 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0924 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0925 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0926 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0927 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0928 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0929 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.09

30 10.85 0.95 5.70 0.50 3.80 0.33 3.20 0.28 2.55 0.22 6.00 1.00 0.0931 10.97 0.96 5.77 0.50 3.85 0.34 3.24 0.28 2.59 0.23 6.10 1.00 0.0932 11.09 0.97 5.84 0.51 3.90 0.34 3.28 0.29 2.63 0.23 6.20 1.00 0.0933 11.21 0.98 5.91 0.52 3.95 0.35 3.32 0.29 2.67 0.23 6.30 1.00 0.0934 11.33 0.99 5.98 0.52 4.00 0.35 3.36 0.29 2.71 0.24 6.40 1.00 0.0935 11.45 1.00 6.05 0.53 4.05 0.35 3.40 0.30 2.75 0.24 6.50 1.00 0.0936 11.73 1.03 6.27 0.55 4.26 0.37 3.59 0.31 2.92 0.26 6.60 1.00 0.0937 12.01 1.05 6.49 0.57 4.47 0.39 3.78 0.33 3.09 0.27 6.70 1.00 0.0938 12.29 1.08 6.71 0.59 4.68 0.41 3.97 0.35 3.26 0.29 6.80 1.00 0.0939 12.57 1.10 6.93 0.61 4.89 0.43 4.16 0.36 3.43 0.30 6.90 1.00 0.09

40 12.85 1.12 7.15 0.63 5.10 0.45 4.35 0.38 3.60 0.32 7.00 1.00 0.0941 13.34 1.17 7.60 0.67 5.52 0.48 4.74 0.41 4.01 0.35 7.10 1.03 0.0942 13.83 1.21 8.05 0.70 5.94 0.52 5.13 0.45 4.42 0.39 7.20 1.05 0.0943 14.32 1.25 8.50 0.74 6.36 0.56 5.52 0.48 4.83 0.42 7.30 1.08 0.0944 14.81 1.30 8.95 0.78 6.78 0.59 5.91 0.52 5.24 0.46 7.40 1.10 0.1045 15.30 1.34 9.40 0.82 7.20 0.63 6.30 0.55 5.65 0.49 7.50 1.13 0.1046 16.02 1.40 10.13 0.89 7.98 0.70 7.04 0.62 6.40 0.56 7.60 1.15 0.1047 16.74 1.46 10.86 0.95 8.76 0.77 7.78 0.68 7.15 0.63 7.70 1.18 0.1048 17.46 1.53 11.59 1.01 9.54 0.83 8.52 0.75 7.90 0.69 7.80 1.20 0.1149 18.18 1.59 12.32 1.08 10.32 0.90 9.26 0.81 8.65 0.76 7.90 1.23 0.11

50 18.90 1.65 13.05 1.14 11.10 0.97 10.00 0.88 9.40 0.82 8.00 1.25 0.1151 20.22 1.77 14.32 1.25 12.25 1.07 11.11 0.97 10.45 0.91 8.40 1.35 0.1252 21.54 1.88 15.59 1.36 13.40 1.17 12.22 1.07 11.50 1.01 8.80 1.45 0.1353 22.86 2.00 16.86 1.48 14.55 1.27 13.33 1.17 12.55 1.10 9.20 1.55 0.1454 24.18 2.12 18.13 1.59 15.70 1.37 14.44 1.26 13.60 1.19 9.60 1.65 0.1455 25.50 2.23 19.40 1.70 16.85 1.47 15.55 1.36 14.65 1.28 10.00 1.75 0.1556 27.32 2.39 20.94 1.83 18.40 1.61 17.23 1.51 16.43 1.44 1.80 0.1657 29.14 2.55 22.48 1.97 19.95 1.75 18.91 1.65 18.21 1.59 1.85 0.1658 30.96 2.71 24.02 2.10 21.50 1.88 20.59 1.80 19.99 1.75 1.90 0.1759 32.78 2.87 25.56 2.24 23.05 2.02 22.27 1.95 21.77 1.90 1.95 0.17

60 34.60 3.03 27.10 2.37 24.60 2.15 23.95 2.10 23.55 2.06 2.00 0.1861 35.68 3.12 28.25 2.47 25.63 2.24 24.91 2.18 24.47 2.1462 36.76 3.22 29.40 2.57 26.66 2.33 25.87 2.26 25.39 2.2263 37.84 3.31 30.55 2.67 27.69 2.42 26.83 2.35 26.31 2.3064 38.92 3.41 31.70 2.77 28.72 2.51 27.79 2.43 27.23 2.3865 40.00 3.50 32.85 2.87 29.75 2.60 28.75 2.52 28.15 2.4666 42.76 3.74 35.90 3.14 32.77 2.87 31.66 2.77 31.05 2.7267 45.52 3.98 38.95 3.41 35.79 3.13 34.57 3.02 33.95 2.9768 48.28 4.22 42.00 3.68 38.81 3.40 37.48 3.28 36.85 3.2269 51.04 4.47 45.05 3.94 41.83 3.66 40.39 3.53 39.75 3.48

70 53.80 4.71 48.10 4.21 44.85 3.92 43.30 3.79 42.65 3.73*71 69.94 6.12 62.53 5.47 58.30 5.10 56.29 4.93 55.42 4.85*72 86.08 7.53 76.96 6.73 71.75 6.28 69.28 6.06 68.19 5.97*73 102.22 8.94 91.39 8.00 85.20 7.46 82.27 7.20 80.96 7.08*74 118.36 10.36 105.82 9.26 98.65 8.63 95.26 8.34 93.73 8.20*75 134.50 11.77 120.25 10.52 112.10 9.81 108.25 9.47 106.50 9.32*76 150.64 13.18 134.68 11.78 125.55 10.99 121.24 10.61 119.27 10.44*77 166.78 14.59 149.11 13.05 139.00 12.16 134.23 11.75 132.04 11.55*78 182.92 16.01 163.54 14.31 152.45 13.34 147.22 12.88 144.81 12.67*79 199.06 17.42 177.97 15.57 165.90 14.52 160.21 14.02 157.58 13.79





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMOECS PREMIUM RATES - FEMALE STANDARD



20 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0921 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0922 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0923 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0924 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0925 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0926 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0927 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0928 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0929 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.09

30 10.30 0.90 5.35 0.47 3.15 0.28 2.50 0.22 1.85 0.16 9.00 1.00 0.0931 10.44 0.91 5.43 0.48 3.21 0.28 2.55 0.22 1.93 0.17 9.20 1.00 0.0932 10.58 0.93 5.51 0.48 3.27 0.29 2.60 0.23 2.01 0.18 9.30 1.00 0.0933 10.72 0.94 5.59 0.49 3.33 0.29 2.65 0.23 2.09 0.18 9.50 1.00 0.0934 10.86 0.95 5.67 0.50 3.39 0.30 2.70 0.24 2.17 0.19 9.60 1.00 0.0935 11.00 0.96 5.75 0.50 3.45 0.30 2.75 0.24 2.25 0.20 9.80 1.00 0.0936 11.27 0.99 5.97 0.52 3.64 0.32 2.91 0.25 2.42 0.21 9.90 1.00 0.0937 11.54 1.01 6.19 0.54 3.83 0.34 3.08 0.27 2.59 0.23 10.10 1.00 0.0938 11.81 1.03 6.41 0.56 4.02 0.35 3.24 0.28 2.76 0.24 10.20 1.00 0.0939 12.08 1.06 6.63 0.58 4.21 0.37 3.41 0.30 2.93 0.26 10.40 1.00 0.09

40 12.35 1.08 6.85 0.60 4.40 0.39 3.57 0.31 3.10 0.27 10.50 1.00 0.0941 12.63 1.11 7.08 0.62 4.66 0.41 3.80 0.33 3.34 0.29 10.70 1.03 0.0942 12.92 1.13 7.31 0.64 4.92 0.43 4.03 0.35 3.58 0.31 10.80 1.05 0.0943 13.20 1.16 7.54 0.66 5.18 0.45 4.26 0.37 3.82 0.33 11.00 1.08 0.0944 13.49 1.18 7.77 0.68 5.44 0.48 4.49 0.39 4.06 0.36 11.10 1.10 0.1045 13.77 1.20 8.00 0.70 5.70 0.50 4.72 0.41 4.30 0.38 11.30 1.13 0.1046 14.34 1.25 8.46 0.74 6.14 0.54 5.10 0.45 4.66 0.41 11.40 1.15 0.1047 14.91 1.30 8.92 0.78 6.58 0.58 5.47 0.48 5.02 0.44 11.60 1.18 0.1048 15.49 1.36 9.38 0.82 7.02 0.61 5.85 0.51 5.38 0.47 11.70 1.20 0.1149 16.06 1.41 9.84 0.86 7.46 0.65 6.22 0.54 5.74 0.50 11.90 1.23 0.11

50 16.63 1.46 10.30 0.90 7.90 0.69 6.60 0.58 6.10 0.53 12.00 1.25 0.1151 17.28 1.51 11.07 0.97 8.55 0.75 7.20 0.63 6.67 0.58 12.60 1.35 0.1252 17.94 1.57 11.84 1.04 9.20 0.81 7.80 0.68 7.24 0.63 13.20 1.45 0.1353 18.59 1.63 12.61 1.10 9.85 0.86 8.40 0.74 7.81 0.68 13.80 1.55 0.1454 19.25 1.68 13.38 1.17 10.50 0.92 9.00 0.79 8.38 0.73 14.40 1.65 0.1455 19.90 1.74 14.15 1.24 11.15 0.98 9.60 0.84 8.95 0.78 15.00 1.75 0.1556 20.97 1.83 15.06 1.32 12.02 1.05 10.52 0.92 9.88 0.86 1.80 0.1657 22.04 1.93 15.97 1.40 12.89 1.13 11.44 1.00 10.81 0.95 1.85 0.1658 23.11 2.02 16.88 1.48 13.76 1.20 12.36 1.08 11.74 1.03 1.90 0.1759 24.18 2.12 17.79 1.56 14.63 1.28 13.28 1.16 12.67 1.11 1.95 0.17

60 25.25 2.21 18.70 1.64 15.50 1.36 14.20 1.24 13.60 1.19 2.00 0.1861 25.88 2.26 19.23 1.68 16.03 1.40 14.73 1.29 14.14 1.2462 26.51 2.32 19.76 1.73 16.56 1.45 15.26 1.34 14.68 1.2863 27.14 2.37 20.29 1.78 17.09 1.50 15.79 1.38 15.22 1.3364 27.77 2.43 20.82 1.82 17.62 1.54 16.32 1.43 15.76 1.3865 28.40 2.49 21.35 1.87 18.15 1.59 16.85 1.47 16.30 1.4366 30.36 2.66 23.34 2.04 20.00 1.75 18.55 1.62 17.98 1.5767 32.32 2.83 25.33 2.22 21.85 1.91 20.25 1.77 19.66 1.7268 34.28 3.00 27.32 2.39 23.70 2.07 21.95 1.92 21.34 1.8769 36.24 3.17 29.31 2.56 25.55 2.24 23.65 2.07 23.02 2.01

70 38.20 3.34 31.30 2.74 27.40 2.40 25.35 2.22 24.70 2.16*71 48.78 4.27 39.89 3.49 34.92 3.06 32.31 2.83 31.51 2.76*72 59.36 5.19 48.48 4.24 42.44 3.71 39.27 3.44 38.32 3.35*73 69.94 6.12 57.07 4.99 49.96 4.37 46.23 4.05 45.13 3.95*74 80.52 7.05 65.66 5.75 57.48 5.03 53.19 4.65 51.94 4.54*75 91.10 7.97 74.25 6.50 65.00 5.69 60.15 5.26 58.75 5.14*76 101.68 8.90 82.84 7.25 72.52 6.35 67.11 5.87 65.56 5.74*77 112.26 9.82 91.43 8.00 80.04 7.00 74.07 6.48 72.37 6.33*78 122.84 10.75 100.02 8.75 87.56 7.66 81.03 7.09 79.18 6.93*79 133.42 11.67 108.61 9.50 95.08 8.32 87.99 7.70 85.99 7.52





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMTRINIDAD PREMIUM RATES - MALE PREFERRED



20 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0921 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0922 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0923 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0924 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0925 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0926 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0927 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0928 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0929 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.09

30 5.05 0.44 2.82 0.25 2.02 0.18 1.65 0.14 1.44 0.13 6.00 1.00 0.0931 5.06 0.44 2.84 0.25 2.04 0.18 1.67 0.15 1.46 0.13 6.10 1.00 0.0932 5.07 0.44 2.85 0.25 2.05 0.18 1.68 0.15 1.47 0.13 6.20 1.00 0.0933 5.08 0.44 2.87 0.25 2.07 0.18 1.70 0.15 1.49 0.13 6.30 1.00 0.0934 5.09 0.45 2.88 0.25 2.08 0.18 1.71 0.15 1.50 0.13 6.40 1.00 0.0935 5.10 0.45 2.90 0.25 2.10 0.18 1.73 0.15 1.52 0.13 6.50 1.00 0.0936 5.16 0.45 2.95 0.26 2.15 0.19 1.78 0.16 1.57 0.14 6.60 1.00 0.0937 5.22 0.46 3.01 0.26 2.21 0.19 1.84 0.16 1.63 0.14 6.70 1.00 0.0938 5.28 0.46 3.06 0.27 2.26 0.20 1.89 0.17 1.68 0.15 6.80 1.00 0.0939 5.34 0.47 3.12 0.27 2.32 0.20 1.95 0.17 1.74 0.15 6.90 1.00 0.09

40 5.40 0.47 3.17 0.28 2.37 0.21 2.00 0.18 1.79 0.16 7.00 1.00 0.0941 5.56 0.49 3.33 0.29 2.51 0.22 2.13 0.19 1.91 0.17 7.10 1.03 0.0942 5.72 0.50 3.48 0.30 2.64 0.23 2.26 0.20 2.03 0.18 7.20 1.05 0.0943 5.88 0.51 3.64 0.32 2.78 0.24 2.39 0.21 2.16 0.19 7.30 1.08 0.0944 6.04 0.53 3.79 0.33 2.91 0.25 2.52 0.22 2.28 0.20 7.40 1.10 0.1045 6.20 0.54 3.95 0.35 3.05 0.27 2.65 0.23 2.40 0.21 7.50 1.13 0.1046 6.47 0.57 4.18 0.37 3.28 0.29 2.86 0.25 2.61 0.23 7.60 1.15 0.1047 6.74 0.59 4.41 0.39 3.51 0.31 3.07 0.27 2.82 0.25 7.70 1.18 0.1048 7.01 0.61 4.64 0.41 3.74 0.33 3.28 0.29 3.03 0.27 7.80 1.20 0.1149 7.28 0.64 4.87 0.43 3.97 0.35 3.49 0.31 3.24 0.28 7.90 1.23 0.11

50 7.55 0.66 5.10 0.45 4.20 0.37 3.70 0.32 3.45 0.30 8.00 1.25 0.1151 7.97 0.70 5.51 0.48 4.60 0.40 4.11 0.36 3.84 0.34 8.40 1.35 0.1252 8.39 0.73 5.92 0.52 5.00 0.44 4.52 0.40 4.23 0.37 8.80 1.45 0.1353 8.81 0.77 6.33 0.55 5.40 0.47 4.93 0.43 4.62 0.40 9.20 1.55 0.1454 9.23 0.81 6.74 0.59 5.80 0.51 5.34 0.47 5.01 0.44 9.60 1.65 0.1455 9.65 0.84 7.15 0.63 6.20 0.54 5.75 0.50 5.40 0.47 10.00 1.75 0.1556 10.39 0.91 7.88 0.69 6.94 0.61 6.48 0.57 6.15 0.54 1.80 0.1657 11.13 0.97 8.61 0.75 7.68 0.67 7.21 0.63 6.90 0.60 1.85 0.1658 11.87 1.04 9.34 0.82 8.42 0.74 7.94 0.69 7.65 0.67 1.90 0.1759 12.61 1.10 10.07 0.88 9.16 0.80 8.67 0.76 8.40 0.74 1.95 0.17

60 13.35 1.17 10.80 0.95 9.90 0.87 9.40 0.82 9.15 0.80 2.00 0.1861 14.15 1.24 11.59 1.01 10.65 0.93 10.18 0.89 9.91 0.8762 14.95 1.31 12.38 1.08 11.40 1.00 10.96 0.96 10.67 0.9363 15.75 1.38 13.17 1.15 12.15 1.06 11.74 1.03 11.43 1.0064 16.55 1.45 13.96 1.22 12.90 1.13 12.52 1.10 12.19 1.0765 17.35 1.52 14.75 1.29 13.65 1.19 13.30 1.16 12.95 1.1366 18.71 1.64 16.02 1.40 14.92 1.31 14.52 1.27 14.16 1.2467 20.07 1.76 17.29 1.51 16.19 1.42 15.74 1.38 15.37 1.3468 21.43 1.88 18.56 1.62 17.46 1.53 16.96 1.48 16.58 1.4569 22.79 1.99 19.83 1.74 18.73 1.64 18.18 1.59 17.79 1.56

70 24.15 2.11 21.10 1.85 20.00 1.75 19.40 1.70 19.00 1.66*71 31.39 2.75 27.43 2.40 26.00 2.28 25.22 2.21 24.70 2.16*72 38.63 3.38 33.76 2.95 32.00 2.80 31.04 2.72 30.40 2.66*73 45.87 4.01 40.09 3.51 38.00 3.33 36.86 3.23 36.10 3.16*74 53.11 4.65 46.42 4.06 44.00 3.85 42.68 3.73 41.80 3.66*75 60.35 5.28 52.75 4.62 50.00 4.38 48.50 4.24 47.50 4.16*76 67.59 5.91 59.08 5.17 56.00 4.90 54.32 4.75 53.20 4.66*77 74.83 6.55 65.41 5.72 62.00 5.43 60.14 5.26 58.90 5.15*78 82.07 7.18 71.74 6.28 68.00 5.95 65.96 5.77 64.60 5.65*79 89.31 7.81 78.07 6.83 74.00 6.48 71.78 6.28 70.30 6.15





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMTRINIDAD PREMIUM RATES - FEMALE PREFERRED



20 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0921 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0922 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0923 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0924 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0925 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0926 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0927 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0928 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0929 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.09

30 4.75 0.42 2.62 0.23 1.64 0.14 1.24 0.11 1.01 0.09 9.00 1.00 0.0931 4.77 0.42 2.64 0.23 1.67 0.15 1.28 0.11 1.04 0.09 9.20 1.00 0.0932 4.79 0.42 2.66 0.23 1.70 0.15 1.31 0.11 1.07 0.09 9.30 1.00 0.0933 4.81 0.42 2.68 0.23 1.73 0.15 1.35 0.12 1.10 0.10 9.50 1.00 0.0934 4.83 0.42 2.70 0.24 1.76 0.15 1.38 0.12 1.13 0.10 9.60 1.00 0.0935 4.85 0.42 2.72 0.24 1.79 0.16 1.42 0.12 1.16 0.10 9.80 1.00 0.0936 4.91 0.43 2.77 0.24 1.84 0.16 1.46 0.13 1.20 0.11 9.90 1.00 0.0937 4.97 0.43 2.82 0.25 1.90 0.17 1.50 0.13 1.24 0.11 10.10 1.00 0.0938 5.03 0.44 2.88 0.25 1.95 0.17 1.54 0.13 1.28 0.11 10.20 1.00 0.0939 5.09 0.45 2.93 0.26 2.01 0.18 1.58 0.14 1.32 0.12 10.40 1.00 0.09

40 5.15 0.45 2.98 0.26 2.06 0.18 1.62 0.14 1.36 0.12 10.50 1.00 0.0941 5.29 0.46 3.12 0.27 2.17 0.19 1.72 0.15 1.45 0.13 10.70 1.03 0.0942 5.42 0.47 3.26 0.29 2.27 0.20 1.82 0.16 1.54 0.13 10.80 1.05 0.0943 5.56 0.49 3.39 0.30 2.38 0.21 1.92 0.17 1.62 0.14 11.00 1.08 0.0944 5.69 0.50 3.53 0.31 2.48 0.22 2.02 0.18 1.71 0.15 11.10 1.10 0.1045 5.83 0.51 3.67 0.32 2.59 0.23 2.12 0.19 1.80 0.16 11.30 1.13 0.1046 6.05 0.53 3.81 0.33 2.71 0.24 2.22 0.19 1.92 0.17 11.40 1.15 0.1047 6.28 0.55 3.96 0.35 2.83 0.25 2.32 0.20 2.05 0.18 11.60 1.18 0.1048 6.50 0.57 4.10 0.36 2.95 0.26 2.43 0.21 2.17 0.19 11.70 1.20 0.1149 6.73 0.59 4.25 0.37 3.07 0.27 2.53 0.22 2.30 0.20 11.90 1.23 0.11

50 6.95 0.61 4.39 0.38 3.19 0.28 2.63 0.23 2.42 0.21 12.00 1.25 0.1151 7.22 0.63 4.61 0.40 3.44 0.30 2.91 0.25 2.68 0.23 12.60 1.35 0.1252 7.49 0.66 4.84 0.42 3.70 0.32 3.19 0.28 2.94 0.26 13.20 1.45 0.1353 7.76 0.68 5.06 0.44 3.95 0.35 3.46 0.30 3.21 0.28 13.80 1.55 0.1454 8.03 0.70 5.29 0.46 4.21 0.37 3.74 0.33 3.47 0.30 14.40 1.65 0.1455 8.30 0.73 5.51 0.48 4.46 0.39 4.02 0.35 3.73 0.33 15.00 1.75 0.1556 8.75 0.77 6.01 0.53 4.97 0.43 4.52 0.40 4.23 0.37 1.80 0.1657 9.20 0.81 6.50 0.57 5.49 0.48 5.02 0.44 4.74 0.41 1.85 0.1658 9.65 0.84 7.00 0.61 6.00 0.53 5.51 0.48 5.24 0.46 1.90 0.1759 10.10 0.88 7.49 0.66 6.52 0.57 6.01 0.53 5.75 0.50 1.95 0.17

60 10.55 0.92 7.99 0.70 7.03 0.62 6.51 0.57 6.25 0.55 2.00 0.1861 11.18 0.98 8.58 0.75 7.56 0.66 7.06 0.62 6.77 0.5962 11.81 1.03 9.16 0.80 8.09 0.71 7.60 0.67 7.30 0.6463 12.45 1.09 9.75 0.85 8.63 0.76 8.15 0.71 7.82 0.6864 13.08 1.14 10.33 0.90 9.16 0.80 8.69 0.76 8.35 0.7365 13.71 1.20 10.92 0.96 9.69 0.85 9.24 0.81 8.87 0.7866 14.78 1.29 11.86 1.04 10.59 0.93 10.09 0.88 9.70 0.8567 15.86 1.39 12.80 1.12 11.49 1.01 10.94 0.96 10.52 0.9268 16.93 1.48 13.73 1.20 12.40 1.09 11.78 1.03 11.35 0.9969 18.01 1.58 14.67 1.28 13.30 1.16 12.63 1.11 12.17 1.06

70 19.08 1.67 15.61 1.37 14.20 1.24 13.48 1.18 13.00 1.14*71 24.30 2.13 19.83 1.74 18.09 1.58 17.20 1.51 16.62 1.45*72 29.53 2.58 24.05 2.10 21.98 1.92 20.93 1.83 20.24 1.77*73 34.75 3.04 28.26 2.47 25.87 2.26 24.65 2.16 23.86 2.09*74 39.98 3.50 32.48 2.84 29.76 2.60 28.38 2.48 27.48 2.40*75 45.20 3.96 36.70 3.21 33.65 2.94 32.10 2.81 31.10 2.72*76 50.41 4.41 40.92 3.58 37.54 3.28 35.81 3.13 34.72 3.04*77 55.61 4.87 45.14 3.95 41.43 3.63 39.51 3.46 38.34 3.35*78 60.80 5.32 49.36 4.32 45.32 3.97 43.20 3.78 41.96 3.67*79 65.98 5.77 53.58 4.69 49.21 4.31 46.88 4.10 45.58 3.99





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMTRINIDAD PREMIUM RATES - MALE PREFERRED SELECT



20 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0921 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0922 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0923 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0924 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0925 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0926 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0927 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0928 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0929 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.09

30 1.95 0.17 1.58 0.14 1.37 0.12 6.00 1.00 0.0931 1.95 0.17 1.58 0.14 1.37 0.12 6.10 1.00 0.0932 1.95 0.17 1.58 0.14 1.37 0.12 6.20 1.00 0.0933 1.96 0.17 1.59 0.14 1.38 0.12 6.30 1.00 0.0934 1.96 0.17 1.60 0.14 1.39 0.12 6.40 1.00 0.0935 1.98 0.17 1.62 0.14 1.41 0.12 6.50 1.00 0.0936 2.03 0.18 1.66 0.15 1.45 0.13 6.60 1.00 0.0937 2.08 0.18 1.72 0.15 1.51 0.13 6.70 1.00 0.0938 2.12 0.19 1.76 0.15 1.55 0.14 6.80 1.00 0.0939 2.18 0.19 1.82 0.16 1.61 0.14 6.90 1.00 0.09

40 2.22 0.19 1.86 0.16 1.65 0.14 7.00 1.00 0.0941 2.35 0.21 1.98 0.17 1.76 0.15 7.10 1.03 0.0942 2.47 0.22 2.10 0.18 1.87 0.16 7.20 1.05 0.0943 2.59 0.23 2.22 0.19 1.99 0.17 7.30 1.08 0.0944 2.71 0.24 2.33 0.20 2.10 0.18 7.40 1.10 0.1045 2.84 0.25 2.45 0.21 2.21 0.19 7.50 1.13 0.1046 3.05 0.27 2.64 0.23 2.40 0.21 7.60 1.15 0.1047 3.25 0.28 2.83 0.25 2.59 0.23 7.70 1.18 0.1048 3.46 0.30 3.02 0.26 2.78 0.24 7.80 1.20 0.1149 3.67 0.32 3.21 0.28 2.97 0.26 7.90 1.23 0.11

50 3.88 0.34 3.40 0.30 3.16 0.28 8.00 1.25 0.1151 4.24 0.37 3.78 0.33 3.52 0.31 8.40 1.35 0.1252 4.60 0.40 4.15 0.36 3.87 0.34 8.80 1.45 0.1353 4.96 0.43 4.52 0.40 4.23 0.37 9.20 1.55 0.1454 5.32 0.47 4.89 0.43 4.58 0.40 9.60 1.65 0.1455 5.68 0.50 5.26 0.46 4.93 0.43 10.00 1.75 0.1556 6.35 0.56 5.92 0.52 5.61 0.49 1.80 0.1657 7.02 0.61 6.58 0.58 6.29 0.55 1.85 0.1658 7.68 0.67 7.24 0.63 6.97 0.61 1.90 0.1759 8.35 0.73 7.90 0.69 7.65 0.67 1.95 0.17

60 9.01 0.79 8.55 0.75 8.33 0.73 2.00 0.1861 9.69 0.85 9.26 0.81 9.02 0.7962 10.37 0.91 9.97 0.87 9.71 0.8563 11.06 0.97 10.68 0.93 10.40 0.9164 11.74 1.03 11.39 1.00 11.09 0.9765 12.42 1.09 12.10 1.06 11.78 1.0366 13.58 1.19 13.21 1.16 12.89 1.1367 14.73 1.29 14.32 1.25 13.99 1.2268 15.89 1.39 15.43 1.35 15.09 1.3269 17.04 1.49 16.54 1.45 16.19 1.42

70 18.20 1.59 17.65 1.54 17.29 1.51*71 23.66 2.07 22.95 2.01 22.48 1.97*72 29.12 2.55 28.25 2.47 27.66 2.42*73 34.58 3.03 33.54 2.93 32.85 2.87*74 40.04 3.50 38.84 3.40 38.04 3.33*75 45.50 3.98 44.14 3.86 43.23 3.78*76 50.96 4.46 49.43 4.33 48.41 4.24*77 56.42 4.94 54.73 4.79 53.60 4.69*78 61.88 5.41 60.02 5.25 58.79 5.14*79 67.34 5.89 65.32 5.72 63.97 5.60





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMTRINIDAD PREMIUM RATES - FEMALE PREFERRED SELECT



20 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0921 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0922 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0923 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0924 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0925 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0926 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0927 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0928 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0929 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.09

30 1.58 0.14 1.18 0.10 0.96 0.08 9.00 1.00 0.0931 1.58 0.14 1.20 0.11 0.97 0.08 9.20 1.00 0.0932 1.61 0.14 1.23 0.11 0.99 0.09 9.30 1.00 0.0933 1.64 0.14 1.26 0.11 1.02 0.09 9.50 1.00 0.0934 1.66 0.15 1.29 0.11 1.05 0.09 9.60 1.00 0.0935 1.69 0.15 1.33 0.12 1.07 0.09 9.80 1.00 0.0936 1.73 0.15 1.36 0.12 1.11 0.10 9.90 1.00 0.0937 1.79 0.16 1.40 0.12 1.15 0.10 10.10 1.00 0.0938 1.83 0.16 1.44 0.13 1.18 0.10 10.20 1.00 0.0939 1.89 0.17 1.47 0.13 1.22 0.11 10.40 1.00 0.09

40 1.93 0.17 1.51 0.13 1.26 0.11 10.50 1.00 0.0941 2.03 0.18 1.60 0.14 1.34 0.12 10.70 1.03 0.0942 2.12 0.19 1.69 0.15 1.42 0.12 10.80 1.05 0.0943 2.22 0.19 1.78 0.16 1.49 0.13 11.00 1.08 0.0944 2.31 0.20 1.87 0.16 1.57 0.14 11.10 1.10 0.1045 2.41 0.21 1.96 0.17 1.66 0.15 11.30 1.13 0.1046 2.52 0.22 2.05 0.18 1.77 0.15 11.40 1.15 0.1047 2.62 0.23 2.14 0.19 1.88 0.16 11.60 1.18 0.1048 2.73 0.24 2.24 0.20 1.99 0.17 11.70 1.20 0.1149 2.84 0.25 2.33 0.20 2.11 0.18 11.90 1.23 0.11

50 2.95 0.26 2.42 0.21 2.22 0.19 12.00 1.25 0.1151 3.17 0.28 2.67 0.23 2.45 0.21 12.60 1.35 0.1252 3.41 0.30 2.93 0.26 2.69 0.24 13.20 1.45 0.1353 3.63 0.32 3.17 0.28 2.94 0.26 13.80 1.55 0.1454 3.86 0.34 3.43 0.30 3.17 0.28 14.40 1.65 0.1455 4.09 0.36 3.68 0.32 3.41 0.30 15.00 1.75 0.1556 4.55 0.40 4.13 0.36 3.86 0.34 1.80 0.1657 5.02 0.44 4.58 0.40 4.32 0.38 1.85 0.1658 5.48 0.48 5.03 0.44 4.78 0.42 1.90 0.1759 5.94 0.52 5.48 0.48 5.24 0.46 1.95 0.17

60 6.40 0.56 5.92 0.52 5.69 0.50 2.00 0.1861 6.88 0.60 6.42 0.56 6.16 0.5462 7.36 0.64 6.92 0.61 6.64 0.5863 7.85 0.69 7.42 0.65 7.12 0.6264 8.34 0.73 7.91 0.69 7.60 0.6765 8.82 0.77 8.41 0.74 8.07 0.7166 9.64 0.84 9.18 0.80 8.83 0.7767 10.46 0.92 9.96 0.87 9.57 0.8468 11.28 0.99 10.72 0.94 10.33 0.9069 12.10 1.06 11.49 1.01 11.07 0.97

70 12.92 1.13 12.27 1.07 11.83 1.04*71 16.46 1.44 15.65 1.37 15.12 1.32*72 20.00 1.75 19.05 1.67 18.42 1.61*73 23.54 2.06 22.43 1.96 21.71 1.90*74 27.08 2.37 25.83 2.26 25.01 2.19*75 30.62 2.68 29.21 2.56 28.30 2.48*76 34.16 2.99 32.59 2.85 31.60 2.77*77 37.70 3.30 35.95 3.15 34.89 3.05*78 41.24 3.61 39.31 3.44 38.18 3.34*79 44.78 3.92 42.66 3.73 41.48 3.63





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMTRINIDAD PREMIUM RATES - MALE PREFERRED SELECT PLUS



20 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0921 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0922 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0923 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0924 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0925 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0926 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0927 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0928 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0929 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.09

30 1.84 0.16 1.46 0.13 1.25 0.11 6.00 1.00 0.0931 1.84 0.16 1.47 0.13 1.25 0.11 6.10 1.00 0.0932 1.84 0.16 1.47 0.13 1.26 0.11 6.20 1.00 0.0933 1.85 0.16 1.49 0.13 1.28 0.11 6.30 1.00 0.0934 1.85 0.16 1.49 0.13 1.28 0.11 6.40 1.00 0.0935 1.86 0.16 1.51 0.13 1.30 0.11 6.50 1.00 0.0936 1.90 0.17 1.55 0.14 1.34 0.12 6.60 1.00 0.0937 1.95 0.17 1.59 0.14 1.39 0.12 6.70 1.00 0.0938 1.99 0.17 1.63 0.14 1.43 0.13 6.80 1.00 0.0939 2.03 0.18 1.68 0.15 1.48 0.13 6.90 1.00 0.09

40 2.07 0.18 1.72 0.15 1.52 0.13 7.00 1.00 0.0941 2.19 0.19 1.83 0.16 1.61 0.14 7.10 1.03 0.0942 2.29 0.20 1.93 0.17 1.71 0.15 7.20 1.05 0.0943 2.41 0.21 2.04 0.18 1.82 0.16 7.30 1.08 0.0944 2.51 0.22 2.15 0.19 1.92 0.17 7.40 1.10 0.1045 2.62 0.23 2.25 0.20 2.02 0.18 7.50 1.13 0.1046 2.81 0.25 2.43 0.21 2.19 0.19 7.60 1.15 0.1047 3.00 0.26 2.60 0.23 2.36 0.21 7.70 1.18 0.1048 3.19 0.28 2.77 0.24 2.53 0.22 7.80 1.20 0.1149 3.37 0.29 2.94 0.26 2.70 0.24 7.90 1.23 0.11

50 3.56 0.31 3.11 0.27 2.88 0.25 8.00 1.25 0.1151 3.88 0.34 3.44 0.30 3.19 0.28 8.40 1.35 0.1252 4.21 0.37 3.78 0.33 3.51 0.31 8.80 1.45 0.1353 4.53 0.40 4.11 0.36 3.83 0.34 9.20 1.55 0.1454 4.85 0.42 4.44 0.39 4.15 0.36 9.60 1.65 0.1455 5.17 0.45 4.77 0.42 4.46 0.39 10.00 1.75 0.1556 5.76 0.50 5.37 0.47 5.08 0.44 1.80 0.1657 6.36 0.56 5.96 0.52 5.69 0.50 1.85 0.1658 6.95 0.61 6.54 0.57 6.29 0.55 1.90 0.1759 7.54 0.66 7.13 0.62 6.90 0.60 1.95 0.17

60 8.12 0.71 7.71 0.67 7.50 0.66 2.00 0.1861 8.73 0.76 8.35 0.73 8.13 0.7162 9.35 0.82 8.99 0.79 8.75 0.7763 9.96 0.87 9.63 0.84 9.37 0.8264 10.58 0.93 10.27 0.90 10.00 0.8865 11.19 0.98 10.91 0.95 10.62 0.9366 12.23 1.07 11.91 1.04 11.61 1.0267 13.28 1.16 12.91 1.13 12.60 1.1068 14.32 1.25 13.91 1.22 13.60 1.1969 15.36 1.34 14.91 1.30 14.59 1.28

70 16.40 1.44 15.91 1.39 15.58 1.36*71 21.32 1.87 20.68 1.81 20.25 1.77*72 26.24 2.30 25.45 2.23 24.93 2.18*73 31.16 2.73 30.23 2.65 29.60 2.59*74 36.08 3.16 35.00 3.06 34.28 3.00*75 41.00 3.59 39.77 3.48 38.95 3.41*76 45.92 4.02 44.54 3.90 43.62 3.82*77 50.84 4.45 49.31 4.31 48.30 4.23*78 55.76 4.88 54.09 4.73 52.97 4.63*79 60.68 5.31 58.86 5.15 57.65 5.04





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMTRINIDAD PREMIUM RATES - FEMALE PREFERRED SELECT PLUS



20 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0921 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0922 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0923 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0924 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0925 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0926 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0927 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0928 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0929 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.09

30 1.49 0.13 1.10 0.10 0.87 0.08 9.00 1.00 0.0931 1.50 0.13 1.12 0.10 0.89 0.08 9.20 1.00 0.0932 1.52 0.13 1.15 0.10 0.92 0.08 9.30 1.00 0.0933 1.54 0.13 1.18 0.10 0.94 0.08 9.50 1.00 0.0934 1.57 0.14 1.20 0.11 0.97 0.08 9.60 1.00 0.0935 1.59 0.14 1.24 0.11 0.99 0.09 9.80 1.00 0.0936 1.63 0.14 1.27 0.11 1.02 0.09 9.90 1.00 0.0937 1.67 0.15 1.30 0.11 1.05 0.09 10.10 1.00 0.0938 1.71 0.15 1.33 0.12 1.09 0.10 10.20 1.00 0.0939 1.76 0.15 1.36 0.12 1.12 0.10 10.40 1.00 0.09

40 1.80 0.16 1.39 0.12 1.15 0.10 10.50 1.00 0.0941 1.89 0.17 1.48 0.13 1.23 0.11 10.70 1.03 0.0942 1.97 0.17 1.56 0.14 1.30 0.11 10.80 1.05 0.0943 2.06 0.18 1.64 0.14 1.37 0.12 11.00 1.08 0.0944 2.14 0.19 1.72 0.15 1.44 0.13 11.10 1.10 0.1045 2.23 0.20 1.80 0.16 1.51 0.13 11.30 1.13 0.1046 2.32 0.20 1.88 0.16 1.61 0.14 11.40 1.15 0.1047 2.42 0.21 1.96 0.17 1.72 0.15 11.60 1.18 0.1048 2.51 0.22 2.05 0.18 1.81 0.16 11.70 1.20 0.1149 2.61 0.23 2.13 0.19 1.92 0.17 11.90 1.23 0.11

50 2.70 0.24 2.21 0.19 2.02 0.18 12.00 1.25 0.1151 2.90 0.25 2.44 0.21 2.23 0.20 12.60 1.35 0.1252 3.11 0.27 2.67 0.23 2.44 0.21 13.20 1.45 0.1353 3.31 0.29 2.89 0.25 2.66 0.23 13.80 1.55 0.1454 3.52 0.31 3.11 0.27 2.87 0.25 14.40 1.65 0.1455 3.72 0.33 3.34 0.29 3.08 0.27 15.00 1.75 0.1556 4.13 0.36 3.74 0.33 3.49 0.31 1.80 0.1657 4.55 0.40 4.15 0.36 3.91 0.34 1.85 0.1658 4.95 0.43 4.54 0.40 4.31 0.38 1.90 0.1759 5.36 0.47 4.94 0.43 4.72 0.41 1.95 0.17

60 5.76 0.50 5.34 0.47 5.13 0.45 2.00 0.1861 6.20 0.54 5.79 0.51 5.55 0.4962 6.63 0.58 6.23 0.55 5.99 0.5263 7.08 0.62 6.68 0.58 6.41 0.5664 7.51 0.66 7.13 0.62 6.85 0.6065 7.95 0.70 7.58 0.66 7.27 0.6466 8.68 0.76 8.27 0.72 7.95 0.7067 9.42 0.82 8.97 0.78 8.63 0.7668 10.17 0.89 9.66 0.85 9.31 0.8169 10.91 0.95 10.36 0.91 9.98 0.87

70 11.64 1.02 11.05 0.97 10.66 0.93*71 14.83 1.30 14.10 1.23 13.63 1.19*72 18.02 1.58 17.16 1.50 16.60 1.45*73 21.21 1.86 20.21 1.77 19.57 1.71*74 24.40 2.14 23.27 2.04 22.53 1.97*75 27.59 2.41 26.32 2.30 25.50 2.23*76 30.78 2.69 29.36 2.57 28.47 2.49*77 33.97 2.97 32.40 2.84 31.44 2.75*78 37.16 3.25 35.42 3.10 34.41 3.01*79 40.35 3.53 38.44 3.36 37.38 3.27





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMTRINIDAD PREMIUM RATES - MALE STANDARD



20 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0921 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0922 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0923 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0924 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0925 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0926 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0927 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0928 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0929 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.09

30 5.55 0.49 3.38 0.30 2.63 0.23 2.23 0.20 2.05 0.18 6.00 1.00 0.0931 5.61 0.49 3.43 0.30 2.67 0.23 2.27 0.20 2.09 0.18 6.10 1.00 0.0932 5.68 0.50 3.48 0.30 2.72 0.24 2.31 0.20 2.13 0.19 6.20 1.00 0.0933 5.74 0.50 3.53 0.31 2.76 0.24 2.34 0.20 2.17 0.19 6.30 1.00 0.0934 5.81 0.51 3.58 0.31 2.81 0.25 2.38 0.21 2.21 0.19 6.40 1.00 0.0935 5.87 0.51 3.63 0.32 2.85 0.25 2.42 0.21 2.25 0.20 6.50 1.00 0.0936 6.10 0.53 3.82 0.33 3.04 0.27 2.60 0.23 2.42 0.21 6.60 1.00 0.0937 6.33 0.55 4.02 0.35 3.23 0.28 2.77 0.24 2.59 0.23 6.70 1.00 0.0938 6.56 0.57 4.21 0.37 3.42 0.30 2.95 0.26 2.76 0.24 6.80 1.00 0.0939 6.79 0.59 4.41 0.39 3.61 0.32 3.12 0.27 2.93 0.26 6.90 1.00 0.09

40 7.02 0.61 4.60 0.40 3.80 0.33 3.30 0.29 3.10 0.27 7.00 1.00 0.0941 7.42 0.65 5.02 0.44 4.20 0.37 3.70 0.32 3.49 0.31 7.10 1.03 0.0942 7.81 0.68 5.45 0.48 4.60 0.40 4.10 0.36 3.88 0.34 7.20 1.05 0.0943 8.21 0.72 5.87 0.51 5.00 0.44 4.50 0.39 4.27 0.37 7.30 1.08 0.0944 8.60 0.75 6.30 0.55 5.40 0.47 4.90 0.43 4.66 0.41 7.40 1.10 0.1045 9.00 0.79 6.72 0.59 5.80 0.51 5.30 0.46 5.05 0.44 7.50 1.13 0.1046 9.69 0.85 7.42 0.65 6.45 0.56 5.94 0.52 5.68 0.50 7.60 1.15 0.1047 10.38 0.91 8.11 0.71 7.10 0.62 6.58 0.58 6.31 0.55 7.70 1.18 0.1048 11.07 0.97 8.81 0.77 7.75 0.68 7.22 0.63 6.94 0.61 7.80 1.20 0.1149 11.76 1.03 9.50 0.83 8.40 0.74 7.86 0.69 7.57 0.66 7.90 1.23 0.11

50 12.45 1.09 10.20 0.89 9.05 0.79 8.50 0.74 8.20 0.72 8.00 1.25 0.1151 13.63 1.19 11.23 0.98 9.97 0.87 9.44 0.83 9.13 0.80 8.40 1.35 0.1252 14.81 1.30 12.27 1.07 10.89 0.95 10.38 0.91 10.06 0.88 8.80 1.45 0.1353 15.99 1.40 13.30 1.16 11.81 1.03 11.32 0.99 10.99 0.96 9.20 1.55 0.1454 17.17 1.50 14.34 1.25 12.73 1.11 12.26 1.07 11.92 1.04 9.60 1.65 0.1455 18.35 1.61 15.37 1.34 13.65 1.19 13.20 1.16 12.85 1.12 10.00 1.75 0.1556 20.02 1.75 16.95 1.48 15.28 1.34 14.85 1.30 14.49 1.27 1.80 0.1657 21.69 1.90 18.52 1.62 16.91 1.48 16.50 1.44 16.13 1.41 1.85 0.1658 23.36 2.04 20.10 1.76 18.54 1.62 18.15 1.59 17.77 1.55 1.90 0.1759 25.03 2.19 21.67 1.90 20.17 1.76 19.80 1.73 19.41 1.70 1.95 0.17

60 26.70 2.34 23.25 2.03 21.80 1.91 21.45 1.88 21.05 1.84 2.00 0.1861 27.96 2.45 24.65 2.16 23.31 2.04 22.92 2.01 22.50 1.9762 29.22 2.56 26.05 2.28 24.82 2.17 24.39 2.13 23.95 2.1063 30.48 2.67 27.45 2.40 26.33 2.30 25.86 2.26 25.40 2.2264 31.74 2.78 28.85 2.52 27.84 2.44 27.33 2.39 26.85 2.3565 33.00 2.89 30.25 2.65 29.35 2.57 28.80 2.52 28.30 2.4866 35.58 3.11 32.85 2.87 32.08 2.81 31.47 2.75 30.91 2.7067 38.16 3.34 35.45 3.10 34.81 3.05 34.14 2.99 33.52 2.9368 40.74 3.56 38.05 3.33 37.54 3.28 36.81 3.22 36.13 3.1669 43.32 3.79 40.65 3.56 40.27 3.52 39.48 3.45 38.74 3.39

70 45.90 4.02 43.25 3.78 43.00 3.76 42.15 3.69 41.35 3.62*71 59.62 5.22 56.20 4.92 55.80 4.88 54.69 4.79 53.68 4.70*72 73.34 6.42 69.15 6.05 68.60 6.00 67.23 5.88 66.01 5.78*73 87.06 7.62 82.10 7.18 81.40 7.12 79.77 6.98 78.34 6.85*74 100.78 8.82 95.05 8.32 94.20 8.24 92.31 8.08 90.67 7.93*75 114.50 10.02 108.00 9.45 107.00 9.36 104.85 9.17 103.00 9.01*76 128.22 11.22 120.95 10.58 119.80 10.48 117.39 10.27 115.33 10.09*77 141.94 12.42 133.90 11.72 132.60 11.60 129.93 11.37 127.66 11.17*78 155.66 13.62 146.85 12.85 145.40 12.72 142.47 12.47 139.99 12.25*79 169.38 14.82 159.80 13.98 158.20 13.84 155.01 13.56 152.32 13.33





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMTRINIDAD PREMIUM RATES - FEMALE STANDARD



20 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0921 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0922 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0923 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0924 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0925 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0926 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0927 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0928 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0929 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.09

30 5.05 0.44 2.94 0.26 1.97 0.17 1.58 0.14 1.33 0.12 9.00 1.00 0.0931 5.13 0.45 3.01 0.26 2.05 0.18 1.65 0.14 1.40 0.12 9.20 1.00 0.0932 5.21 0.46 3.08 0.27 2.13 0.19 1.73 0.15 1.48 0.13 9.30 1.00 0.0933 5.30 0.46 3.16 0.28 2.21 0.19 1.80 0.16 1.55 0.14 9.50 1.00 0.0934 5.38 0.47 3.23 0.28 2.29 0.20 1.88 0.16 1.63 0.14 9.60 1.00 0.0935 5.46 0.48 3.30 0.29 2.37 0.21 1.95 0.17 1.70 0.15 9.80 1.00 0.0936 5.67 0.50 3.48 0.30 2.54 0.22 2.09 0.18 1.84 0.16 9.90 1.00 0.0937 5.89 0.52 3.66 0.32 2.70 0.24 2.23 0.20 1.98 0.17 10.10 1.00 0.0938 6.10 0.53 3.84 0.34 2.87 0.25 2.37 0.21 2.12 0.19 10.20 1.00 0.0939 6.32 0.55 4.02 0.35 3.03 0.27 2.51 0.22 2.26 0.20 10.40 1.00 0.09

40 6.53 0.57 4.20 0.37 3.20 0.28 2.65 0.23 2.40 0.21 10.50 1.00 0.0941 6.81 0.60 4.48 0.39 3.45 0.30 2.91 0.25 2.67 0.23 10.70 1.03 0.0942 7.09 0.62 4.76 0.42 3.71 0.32 3.17 0.28 2.94 0.26 10.80 1.05 0.0943 7.36 0.64 5.04 0.44 3.96 0.35 3.43 0.30 3.21 0.28 11.00 1.08 0.0944 7.64 0.67 5.32 0.47 4.22 0.37 3.69 0.32 3.48 0.30 11.10 1.10 0.1045 7.92 0.69 5.60 0.49 4.47 0.39 3.95 0.35 3.75 0.33 11.30 1.13 0.1046 8.31 0.73 5.93 0.52 4.81 0.42 4.29 0.38 4.07 0.36 11.40 1.15 0.1047 8.69 0.76 6.26 0.55 5.14 0.45 4.63 0.41 4.39 0.38 11.60 1.18 0.1048 9.08 0.79 6.59 0.58 5.48 0.48 4.97 0.43 4.71 0.41 11.70 1.20 0.1149 9.46 0.83 6.92 0.61 5.81 0.51 5.31 0.46 5.03 0.44 11.90 1.23 0.11

50 9.85 0.86 7.25 0.63 6.15 0.54 5.65 0.49 5.35 0.47 12.00 1.25 0.1151 10.41 0.91 7.78 0.68 6.67 0.58 6.16 0.54 5.87 0.51 12.60 1.35 0.1252 10.97 0.96 8.31 0.73 7.19 0.63 6.67 0.58 6.39 0.56 13.20 1.45 0.1353 11.53 1.01 8.84 0.77 7.71 0.67 7.18 0.63 6.91 0.60 13.80 1.55 0.1454 12.09 1.06 9.37 0.82 8.23 0.72 7.69 0.67 7.43 0.65 14.40 1.65 0.1455 12.65 1.11 9.90 0.87 8.75 0.77 8.20 0.72 7.95 0.70 15.00 1.75 0.1556 13.54 1.18 10.80 0.95 9.66 0.85 9.14 0.80 8.85 0.77 1.80 0.1657 14.43 1.26 11.70 1.02 10.57 0.92 10.08 0.88 9.75 0.85 1.85 0.1658 15.32 1.34 12.60 1.10 11.48 1.00 11.02 0.96 10.65 0.93 1.90 0.1759 16.21 1.42 13.50 1.18 12.39 1.08 11.96 1.05 11.55 1.01 1.95 0.17

60 17.10 1.50 14.40 1.26 13.30 1.16 12.90 1.13 12.45 1.09 2.00 0.1861 17.84 1.56 15.01 1.31 13.84 1.21 13.42 1.17 12.97 1.1362 18.58 1.63 15.62 1.37 14.38 1.26 13.94 1.22 13.49 1.1863 19.32 1.69 16.23 1.42 14.92 1.31 14.46 1.27 14.01 1.2364 20.06 1.76 16.84 1.47 15.46 1.35 14.98 1.31 14.53 1.2765 20.80 1.82 17.45 1.53 16.00 1.40 15.50 1.36 15.05 1.3266 22.43 1.96 18.91 1.65 17.45 1.53 16.89 1.48 16.43 1.4467 24.06 2.11 20.37 1.78 18.90 1.65 18.28 1.60 17.81 1.5668 25.69 2.25 21.83 1.91 20.35 1.78 19.67 1.72 19.19 1.6869 27.32 2.39 23.29 2.04 21.80 1.91 21.06 1.84 20.57 1.80

70 28.95 2.53 24.75 2.17 23.25 2.03 22.45 1.96 21.95 1.92*71 36.94 3.23 31.45 2.75 29.66 2.60 28.64 2.51 28.07 2.46*72 44.93 3.93 38.15 3.34 36.07 3.16 34.83 3.05 34.19 2.99*73 52.92 4.63 44.85 3.92 42.48 3.72 41.02 3.59 40.31 3.53*74 60.91 5.33 51.55 4.51 48.89 4.28 47.21 4.13 46.43 4.06*75 68.90 6.03 58.25 5.10 55.30 4.84 53.40 4.67 52.55 4.60*76 76.89 6.73 64.95 5.68 61.71 5.40 59.59 5.21 58.67 5.13*77 84.88 7.43 71.65 6.27 68.12 5.96 65.78 5.76 64.79 5.67*78 92.87 8.13 78.35 6.86 74.53 6.52 71.97 6.30 70.91 6.20*79 100.86 8.83 85.05 7.44 80.94 7.08 78.16 6.84 77.03 6.74





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMCAPITAL LIFE AND US$ POLICIES PREMIUM RATES - MALE PREFERRED



20 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0921 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0922 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0923 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0924 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0925 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0926 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0927 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0928 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0929 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.09

30 7.60 0.67 3.87 0.34 2.52 0.22 1.92 0.17 1.58 0.14 6.00 1.00 0.0931 7.61 0.67 3.89 0.34 2.54 0.22 1.94 0.17 1.60 0.14 6.10 1.00 0.0932 7.62 0.67 3.90 0.34 2.55 0.22 1.95 0.17 1.61 0.14 6.20 1.00 0.0933 7.63 0.67 3.92 0.34 2.57 0.22 1.97 0.17 1.63 0.14 6.30 1.00 0.0934 7.64 0.67 3.93 0.34 2.58 0.23 1.98 0.17 1.64 0.14 6.40 1.00 0.0935 7.65 0.67 3.95 0.35 2.60 0.23 2.00 0.18 1.66 0.15 6.50 1.00 0.0936 7.71 0.67 4.01 0.35 2.66 0.23 2.06 0.18 1.71 0.15 6.60 1.00 0.0937 7.77 0.68 4.07 0.36 2.72 0.24 2.11 0.18 1.77 0.15 6.70 1.00 0.0938 7.83 0.69 4.13 0.36 2.78 0.24 2.17 0.19 1.82 0.16 6.80 1.00 0.0939 7.89 0.69 4.19 0.37 2.84 0.25 2.22 0.19 1.88 0.16 6.90 1.00 0.09

40 7.95 0.70 4.25 0.37 2.90 0.25 2.28 0.20 1.93 0.17 7.00 1.00 0.0941 8.06 0.71 4.36 0.38 3.00 0.26 2.39 0.21 2.04 0.18 7.10 1.03 0.0942 8.17 0.71 4.47 0.39 3.10 0.27 2.50 0.22 2.16 0.19 7.20 1.05 0.0943 8.28 0.72 4.58 0.40 3.20 0.28 2.62 0.23 2.27 0.20 7.30 1.08 0.0944 8.39 0.73 4.69 0.41 3.30 0.29 2.73 0.24 2.39 0.21 7.40 1.10 0.1045 8.50 0.74 4.80 0.42 3.40 0.30 2.84 0.25 2.50 0.22 7.50 1.13 0.1046 8.76 0.77 5.04 0.44 3.65 0.32 3.07 0.27 2.73 0.24 7.60 1.15 0.1047 9.02 0.79 5.28 0.46 3.90 0.34 3.30 0.29 2.96 0.26 7.70 1.18 0.1048 9.28 0.81 5.52 0.48 4.15 0.36 3.54 0.31 3.19 0.28 7.80 1.20 0.1149 9.54 0.83 5.76 0.50 4.40 0.39 3.77 0.33 3.42 0.30 7.90 1.23 0.11

50 9.80 0.86 6.00 0.53 4.65 0.41 4.00 0.35 3.65 0.32 8.00 1.25 0.1151 10.30 0.90 6.50 0.57 5.12 0.45 4.45 0.39 4.10 0.36 8.40 1.35 0.1252 10.80 0.95 7.00 0.61 5.59 0.49 4.91 0.43 4.54 0.40 8.80 1.45 0.1353 11.30 0.99 7.50 0.66 6.06 0.53 5.36 0.47 4.99 0.44 9.20 1.55 0.1454 11.80 1.03 8.00 0.70 6.53 0.57 5.82 0.51 5.43 0.48 9.60 1.65 0.1455 12.30 1.08 8.50 0.74 7.00 0.61 6.27 0.55 5.88 0.51 10.00 1.75 0.1556 13.09 1.15 9.24 0.81 7.77 0.68 7.05 0.62 6.65 0.58 1.80 0.1657 13.88 1.21 9.98 0.87 8.54 0.75 7.82 0.68 7.43 0.65 1.85 0.1658 14.67 1.28 10.72 0.94 9.31 0.81 8.60 0.75 8.20 0.72 1.90 0.1759 15.46 1.35 11.46 1.00 10.08 0.88 9.37 0.82 8.98 0.79 1.95 0.17

60 16.25 1.42 12.20 1.07 10.85 0.95 10.15 0.89 9.75 0.85 2.00 0.1861 17.13 1.50 13.12 1.15 11.67 1.02 10.98 0.96 10.55 0.9262 18.01 1.58 14.04 1.23 12.49 1.09 11.82 1.03 11.34 0.9963 18.89 1.65 14.96 1.31 13.31 1.16 12.65 1.11 12.14 1.0664 19.77 1.73 15.88 1.39 14.13 1.24 13.49 1.18 12.93 1.1365 20.65 1.81 16.80 1.47 14.95 1.31 14.32 1.25 13.73 1.2066 22.24 1.95 18.28 1.60 16.41 1.44 15.79 1.38 15.21 1.3367 23.83 2.09 19.76 1.73 17.87 1.56 17.25 1.51 16.70 1.4668 25.42 2.22 21.24 1.86 19.33 1.69 18.72 1.64 18.18 1.5969 27.01 2.36 22.72 1.99 20.79 1.82 20.18 1.77 19.67 1.72

70 28.60 2.50 24.20 2.12 22.25 1.95 21.65 1.89 21.15 1.85*71 37.18 3.25 31.46 2.75 28.92 2.53 28.14 2.46 27.49 2.41*72 45.76 4.00 38.72 3.39 35.59 3.11 34.63 3.03 33.83 2.96*73 54.34 4.75 45.98 4.02 42.26 3.70 41.12 3.60 40.17 3.51*74 62.92 5.51 53.24 4.66 48.93 4.28 47.61 4.17 46.51 4.07*75 71.50 6.26 60.50 5.29 55.60 4.87 54.10 4.73 52.85 4.62*76 80.08 7.01 67.76 5.93 62.27 5.45 60.59 5.30 59.19 5.18*77 88.66 7.76 75.02 6.56 68.94 6.03 67.08 5.87 65.53 5.73*78 97.24 8.51 82.28 7.20 75.61 6.62 73.57 6.44 71.87 6.29*79 105.82 9.26 89.54 7.83 82.28 7.20 80.06 7.01 78.21 6.84





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMCAPITAL LIFE AND US$ POLICIES PREMIUM RATES - FEMALE PREFERRED



20 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0921 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0922 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0923 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0924 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0925 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0926 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0927 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0928 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0929 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.09

30 7.47 0.65 3.75 0.33 2.24 0.20 1.61 0.14 1.11 0.10 9.00 1.00 0.0931 7.50 0.66 3.77 0.33 2.26 0.20 1.64 0.14 1.14 0.10 9.20 1.00 0.0932 7.52 0.66 3.80 0.33 2.28 0.20 1.66 0.15 1.17 0.10 9.30 1.00 0.0933 7.55 0.66 3.82 0.33 2.30 0.20 1.69 0.15 1.20 0.11 9.50 1.00 0.0934 7.57 0.66 3.85 0.34 2.32 0.20 1.71 0.15 1.23 0.11 9.60 1.00 0.0935 7.60 0.67 3.87 0.34 2.34 0.20 1.74 0.15 1.26 0.11 9.80 1.00 0.0936 7.66 0.67 3.93 0.34 2.39 0.21 1.79 0.16 1.30 0.11 9.90 1.00 0.0937 7.72 0.68 3.99 0.35 2.45 0.21 1.84 0.16 1.34 0.12 10.10 1.00 0.0938 7.78 0.68 4.05 0.35 2.50 0.22 1.88 0.16 1.39 0.12 10.20 1.00 0.0939 7.84 0.69 4.11 0.36 2.56 0.22 1.93 0.17 1.43 0.13 10.40 1.00 0.09

40 7.90 0.69 4.17 0.36 2.61 0.23 1.98 0.17 1.47 0.13 10.50 1.00 0.0941 8.00 0.70 4.26 0.37 2.68 0.23 2.07 0.18 1.55 0.14 10.70 1.03 0.0942 8.10 0.71 4.35 0.38 2.75 0.24 2.15 0.19 1.62 0.14 10.80 1.05 0.0943 8.20 0.72 4.43 0.39 2.82 0.25 2.24 0.20 1.70 0.15 11.00 1.08 0.0944 8.30 0.73 4.52 0.40 2.89 0.25 2.32 0.20 1.77 0.15 11.10 1.10 0.1045 8.40 0.74 4.61 0.40 2.96 0.26 2.41 0.21 1.85 0.16 11.30 1.13 0.1046 8.64 0.76 4.82 0.42 3.15 0.28 2.56 0.22 1.99 0.17 11.40 1.15 0.1047 8.88 0.78 5.02 0.44 3.34 0.29 2.71 0.24 2.13 0.19 11.60 1.18 0.1048 9.11 0.80 5.23 0.46 3.53 0.31 2.86 0.25 2.27 0.20 11.70 1.20 0.1149 9.35 0.82 5.43 0.48 3.72 0.33 3.01 0.26 2.41 0.21 11.90 1.23 0.11

50 9.59 0.84 5.64 0.49 3.91 0.34 3.16 0.28 2.55 0.22 12.00 1.25 0.1151 10.02 0.88 6.01 0.53 4.25 0.37 3.43 0.30 2.85 0.25 12.60 1.35 0.1252 10.45 0.91 6.38 0.56 4.59 0.40 3.70 0.32 3.15 0.28 13.20 1.45 0.1353 10.89 0.95 6.74 0.59 4.92 0.43 3.97 0.35 3.46 0.30 13.80 1.55 0.1454 11.32 0.99 7.11 0.62 5.26 0.46 4.24 0.37 3.76 0.33 14.40 1.65 0.1455 11.75 1.03 7.48 0.65 5.60 0.49 4.51 0.39 4.06 0.36 15.00 1.75 0.1556 12.36 1.08 7.86 0.69 6.02 0.53 5.03 0.44 4.57 0.40 1.80 0.1657 12.97 1.13 8.24 0.72 6.44 0.56 5.55 0.49 5.09 0.45 1.85 0.1658 13.59 1.19 8.63 0.76 6.86 0.60 6.07 0.53 5.60 0.49 1.90 0.1759 14.20 1.24 9.01 0.79 7.28 0.64 6.59 0.58 6.12 0.54 1.95 0.17

60 14.81 1.30 9.39 0.82 7.70 0.67 7.11 0.62 6.63 0.58 2.00 0.1861 15.61 1.37 10.10 0.88 8.28 0.72 7.69 0.67 7.17 0.6362 16.41 1.44 10.81 0.95 8.86 0.78 8.27 0.72 7.71 0.6763 17.21 1.51 11.52 1.01 9.45 0.83 8.86 0.78 8.26 0.7264 18.01 1.58 12.23 1.07 10.03 0.88 9.44 0.83 8.80 0.7765 18.81 1.65 12.94 1.13 10.61 0.93 10.02 0.88 9.34 0.8266 20.22 1.77 14.08 1.23 11.65 1.02 11.05 0.97 10.35 0.9167 21.63 1.89 15.22 1.33 12.69 1.11 12.08 1.06 11.36 0.9968 23.05 2.02 16.35 1.43 13.72 1.20 13.10 1.15 12.36 1.0869 24.46 2.14 17.49 1.53 14.76 1.29 14.13 1.24 13.37 1.17

70 25.87 2.26 18.63 1.63 15.80 1.38 15.16 1.33 14.38 1.26*71 32.97 2.88 23.73 2.08 20.13 1.76 19.32 1.69 18.32 1.60*72 40.06 3.51 28.84 2.52 24.46 2.14 23.48 2.05 22.27 1.95*73 47.16 4.13 33.94 2.97 28.79 2.52 27.63 2.42 26.21 2.29*74 54.25 4.75 39.05 3.42 33.12 2.90 31.79 2.78 30.16 2.64*75 61.35 5.37 44.15 3.86 37.45 3.28 35.95 3.15 34.10 2.98*76 68.45 5.99 49.25 4.31 41.78 3.66 40.11 3.51 38.04 3.33*77 75.54 6.61 54.36 4.76 46.11 4.03 44.27 3.87 41.99 3.67*78 82.64 7.23 59.46 5.20 50.44 4.41 48.42 4.24 45.93 4.02*79 89.73 7.85 64.57 5.65 54.77 4.79 52.58 4.60 49.88 4.36





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMCAPITAL LIFE AND US$ POLICIES PREMIUM RATES - MALE PREFERRED SELECT



20 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0921 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0922 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0923 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0924 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0925 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0926 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0927 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0928 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0929 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.09

30 2.43 0.21 1.83 0.16 1.50 0.13 6.00 1.00 0.0931 2.43 0.21 1.83 0.16 1.50 0.13 6.10 1.00 0.0932 2.43 0.21 1.83 0.16 1.50 0.13 6.20 1.00 0.0933 2.43 0.21 1.85 0.16 1.51 0.13 6.30 1.00 0.0934 2.44 0.21 1.85 0.16 1.52 0.13 6.40 1.00 0.0935 2.45 0.21 1.87 0.16 1.54 0.13 6.50 1.00 0.0936 2.51 0.22 1.92 0.17 1.58 0.14 6.60 1.00 0.0937 2.56 0.22 1.97 0.17 1.64 0.14 6.70 1.00 0.0938 2.61 0.23 2.02 0.18 1.68 0.15 6.80 1.00 0.0939 2.66 0.23 2.07 0.18 1.74 0.15 6.90 1.00 0.09

40 2.72 0.24 2.12 0.19 1.78 0.16 7.00 1.00 0.0941 2.81 0.25 2.22 0.19 1.88 0.16 7.10 1.03 0.0942 2.90 0.25 2.32 0.20 1.99 0.17 7.20 1.05 0.0943 2.98 0.26 2.43 0.21 2.09 0.18 7.30 1.08 0.0944 3.07 0.27 2.53 0.22 2.20 0.19 7.40 1.10 0.1045 3.16 0.28 2.63 0.23 2.30 0.20 7.50 1.13 0.1046 3.39 0.30 2.84 0.25 2.51 0.22 7.60 1.15 0.1047 3.62 0.32 3.05 0.27 2.72 0.24 7.70 1.18 0.1048 3.84 0.34 3.26 0.29 2.93 0.26 7.80 1.20 0.1149 4.07 0.36 3.47 0.30 3.14 0.27 7.90 1.23 0.11

50 4.29 0.38 3.68 0.32 3.35 0.29 8.00 1.25 0.1151 4.72 0.41 4.09 0.36 3.76 0.33 8.40 1.35 0.1252 5.15 0.45 4.51 0.39 4.16 0.36 8.80 1.45 0.1353 5.57 0.49 4.92 0.43 4.56 0.40 9.20 1.55 0.1454 5.99 0.52 5.33 0.47 4.96 0.43 9.60 1.65 0.1455 6.42 0.56 5.74 0.50 5.37 0.47 10.00 1.75 0.1556 7.11 0.62 6.44 0.56 6.07 0.53 1.80 0.1657 7.81 0.68 7.14 0.62 6.78 0.59 1.85 0.1658 8.50 0.74 7.84 0.69 7.47 0.65 1.90 0.1759 9.19 0.80 8.54 0.75 8.18 0.72 1.95 0.17

60 9.87 0.86 9.24 0.81 8.87 0.78 2.00 0.1861 10.62 0.93 9.99 0.87 9.60 0.8462 11.37 0.99 10.76 0.94 10.32 0.9063 12.11 1.06 11.51 1.01 11.05 0.9764 12.86 1.13 12.28 1.07 11.77 1.0365 13.60 1.19 13.03 1.14 12.49 1.0966 14.93 1.31 14.37 1.26 13.84 1.2167 16.26 1.42 15.70 1.37 15.20 1.3368 17.59 1.54 17.04 1.49 16.54 1.4569 18.92 1.66 18.36 1.61 17.90 1.57

70 20.25 1.77 19.70 1.72 19.25 1.68*71 26.32 2.30 25.61 2.24 25.02 2.19*72 32.39 2.83 31.51 2.76 30.79 2.69*73 38.46 3.37 37.42 3.27 36.55 3.20*74 44.53 3.90 43.33 3.79 42.32 3.70*75 50.60 4.43 49.23 4.31 48.09 4.21*76 56.67 4.96 55.14 4.82 53.86 4.71*77 62.74 5.49 61.04 5.34 59.63 5.22*78 68.81 6.02 66.95 5.86 65.40 5.72*79 74.87 6.55 72.85 6.37 71.17 6.23





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMCAPITAL LIFE AND US$ POLICIES PREMIUM RATES - FEMALE PREFERRED SELECT



20 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0921 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0922 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0923 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0924 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0925 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0926 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0927 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0928 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0929 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.09

30 2.16 0.19 1.54 0.13 1.05 0.09 9.00 1.00 0.0931 2.16 0.19 1.54 0.13 1.06 0.09 9.20 1.00 0.0932 2.16 0.19 1.56 0.14 1.09 0.10 9.30 1.00 0.0933 2.18 0.19 1.58 0.14 1.11 0.10 9.50 1.00 0.0934 2.19 0.19 1.60 0.14 1.14 0.10 9.60 1.00 0.0935 2.21 0.19 1.63 0.14 1.17 0.10 9.80 1.00 0.0936 2.25 0.20 1.67 0.15 1.20 0.11 9.90 1.00 0.0937 2.30 0.20 1.72 0.15 1.24 0.11 10.10 1.00 0.0938 2.35 0.21 1.75 0.15 1.29 0.11 10.20 1.00 0.0939 2.40 0.21 1.80 0.16 1.32 0.12 10.40 1.00 0.09

40 2.44 0.21 1.84 0.16 1.36 0.12 10.50 1.00 0.0941 2.51 0.22 1.92 0.17 1.43 0.13 10.70 1.03 0.0942 2.57 0.22 2.00 0.18 1.49 0.13 10.80 1.05 0.0943 2.63 0.23 2.08 0.18 1.57 0.14 11.00 1.08 0.0944 2.69 0.24 2.15 0.19 1.63 0.14 11.10 1.10 0.1045 2.75 0.24 2.23 0.20 1.70 0.15 11.30 1.13 0.1046 2.93 0.26 2.37 0.21 1.83 0.16 11.40 1.15 0.1047 3.10 0.27 2.50 0.22 1.96 0.17 11.60 1.18 0.1048 3.27 0.29 2.64 0.23 2.08 0.18 11.70 1.20 0.1149 3.44 0.30 2.77 0.24 2.21 0.19 11.90 1.23 0.11

50 3.61 0.32 2.91 0.25 2.34 0.20 12.00 1.25 0.1151 3.92 0.34 3.15 0.28 2.61 0.23 12.60 1.35 0.1252 4.23 0.37 3.40 0.30 2.88 0.25 13.20 1.45 0.1353 4.52 0.40 3.64 0.32 3.16 0.28 13.80 1.55 0.1454 4.83 0.42 3.88 0.34 3.44 0.30 14.40 1.65 0.1455 5.13 0.45 4.13 0.36 3.71 0.32 15.00 1.75 0.1556 5.51 0.48 4.60 0.40 4.17 0.36 1.80 0.1657 5.89 0.52 5.07 0.44 4.64 0.41 1.85 0.1658 6.26 0.55 5.54 0.48 5.10 0.45 1.90 0.1759 6.63 0.58 6.00 0.53 5.57 0.49 1.95 0.17

60 7.01 0.61 6.47 0.57 6.03 0.53 2.00 0.1861 7.53 0.66 7.00 0.61 6.52 0.5762 8.06 0.71 7.53 0.66 7.02 0.6163 8.60 0.75 8.06 0.71 7.52 0.6664 9.13 0.80 8.59 0.75 8.01 0.7065 9.66 0.85 9.12 0.80 8.50 0.7466 10.60 0.93 10.06 0.88 9.42 0.8267 11.55 1.01 10.99 0.96 10.34 0.9068 12.49 1.09 11.92 1.04 11.25 0.9869 13.43 1.18 12.86 1.13 12.17 1.06

70 14.38 1.26 13.80 1.21 13.09 1.15*71 18.32 1.60 17.58 1.54 16.67 1.46*72 22.26 1.95 21.37 1.87 20.27 1.77*73 26.20 2.29 25.14 2.20 23.85 2.09*74 30.14 2.64 28.93 2.53 27.45 2.40*75 34.08 2.98 32.71 2.86 31.03 2.72*76 38.02 3.33 36.50 3.19 34.62 3.03*77 41.96 3.67 40.29 3.53 38.21 3.34*78 45.90 4.02 44.06 3.86 41.80 3.66*79 49.84 4.36 47.85 4.19 45.39 3.97





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMCAPITAL LIFE AND US$ POLICIES PREMIUM RATES - MALE PREFERRED SELECT PLUS



20 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0921 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0922 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0923 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0924 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0925 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0926 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0927 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0928 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0929 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.09

30 2.29 0.20 1.70 0.15 1.37 0.12 6.00 1.00 0.0931 2.29 0.20 1.70 0.15 1.37 0.12 6.10 1.00 0.0932 2.29 0.20 1.71 0.15 1.38 0.12 6.20 1.00 0.0933 2.29 0.20 1.72 0.15 1.40 0.12 6.30 1.00 0.0934 2.29 0.20 1.73 0.15 1.40 0.12 6.40 1.00 0.0935 2.31 0.20 1.74 0.15 1.42 0.12 6.50 1.00 0.0936 2.35 0.21 1.79 0.16 1.46 0.13 6.60 1.00 0.0937 2.40 0.21 1.83 0.16 1.51 0.13 6.70 1.00 0.0938 2.44 0.21 1.87 0.16 1.55 0.14 6.80 1.00 0.0939 2.49 0.22 1.91 0.17 1.59 0.14 6.90 1.00 0.09

40 2.53 0.22 1.96 0.17 1.63 0.14 7.00 1.00 0.0941 2.61 0.23 2.05 0.18 1.72 0.15 7.10 1.03 0.0942 2.69 0.24 2.14 0.19 1.82 0.16 7.20 1.05 0.0943 2.77 0.24 2.24 0.20 1.91 0.17 7.30 1.08 0.0944 2.85 0.25 2.33 0.20 2.01 0.18 7.40 1.10 0.1045 2.92 0.26 2.41 0.21 2.10 0.18 7.50 1.13 0.1046 3.13 0.27 2.60 0.23 2.29 0.20 7.60 1.15 0.1047 3.33 0.29 2.79 0.24 2.48 0.22 7.70 1.18 0.1048 3.54 0.31 2.99 0.26 2.67 0.23 7.80 1.20 0.1149 3.74 0.33 3.17 0.28 2.85 0.25 7.90 1.23 0.11

50 3.94 0.34 3.36 0.29 3.04 0.27 8.00 1.25 0.1151 4.32 0.38 3.73 0.33 3.41 0.30 8.40 1.35 0.1252 4.70 0.41 4.10 0.36 3.77 0.33 8.80 1.45 0.1353 5.08 0.44 4.47 0.39 4.14 0.36 9.20 1.55 0.1454 5.46 0.48 4.84 0.42 4.50 0.39 9.60 1.65 0.1455 5.83 0.51 5.20 0.46 4.86 0.43 10.00 1.75 0.1556 6.45 0.56 5.84 0.51 5.49 0.48 1.80 0.1657 7.07 0.62 6.46 0.57 6.12 0.54 1.85 0.1658 7.68 0.67 7.09 0.62 6.75 0.59 1.90 0.1759 8.29 0.73 7.70 0.67 7.38 0.65 1.95 0.17

60 8.90 0.78 8.32 0.73 8.00 0.70 2.00 0.1861 9.57 0.84 9.00 0.79 8.65 0.7662 10.24 0.90 9.69 0.85 9.30 0.8163 10.91 0.95 10.37 0.91 9.95 0.8764 11.59 1.01 11.06 0.97 10.60 0.9365 12.26 1.07 11.74 1.03 11.26 0.9966 13.46 1.18 12.95 1.13 12.47 1.0967 14.65 1.28 14.15 1.24 13.69 1.2068 15.85 1.39 15.35 1.34 14.91 1.3069 17.05 1.49 16.55 1.45 16.13 1.41

70 18.25 1.60 17.75 1.55 17.34 1.52*71 23.71 2.07 23.07 2.02 22.54 1.97*72 29.18 2.55 28.40 2.49 27.74 2.43*73 34.65 3.03 33.72 2.95 32.94 2.88*74 40.12 3.51 39.04 3.42 38.14 3.34*75 45.59 3.99 44.36 3.88 43.34 3.79*76 51.06 4.47 49.68 4.35 48.54 4.25*77 56.53 4.95 55.01 4.81 53.73 4.70*78 62.00 5.43 60.33 5.28 58.93 5.16*79 67.47 5.90 65.65 5.74 64.13 5.61





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMCAPITAL LIFE AND US$ POLICIES PREMIUM RATES - FEMALE PREFERRED SELECT PLUS



20 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0921 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0922 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0923 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0924 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0925 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0926 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0927 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0928 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0929 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.09

30 2.04 0.18 1.42 0.12 0.96 0.08 9.00 1.00 0.0931 2.04 0.18 1.44 0.13 0.98 0.09 9.20 1.00 0.0932 2.04 0.18 1.45 0.13 1.00 0.09 9.30 1.00 0.0933 2.05 0.18 1.48 0.13 1.03 0.09 9.50 1.00 0.0934 2.06 0.18 1.49 0.13 1.05 0.09 9.60 1.00 0.0935 2.07 0.18 1.51 0.13 1.08 0.09 9.80 1.00 0.0936 2.11 0.18 1.55 0.14 1.11 0.10 9.90 1.00 0.0937 2.16 0.19 1.59 0.14 1.14 0.10 10.10 1.00 0.0938 2.20 0.19 1.62 0.14 1.18 0.10 10.20 1.00 0.0939 2.24 0.20 1.66 0.15 1.21 0.11 10.40 1.00 0.09

40 2.28 0.20 1.70 0.15 1.24 0.11 10.50 1.00 0.0941 2.33 0.20 1.78 0.16 1.31 0.11 10.70 1.03 0.0942 2.39 0.21 1.84 0.16 1.37 0.12 10.80 1.05 0.0943 2.44 0.21 1.91 0.17 1.43 0.13 11.00 1.08 0.0944 2.49 0.22 1.98 0.17 1.49 0.13 11.10 1.10 0.1045 2.55 0.22 2.05 0.18 1.55 0.14 11.30 1.13 0.1046 2.70 0.24 2.17 0.19 1.67 0.15 11.40 1.15 0.1047 2.85 0.25 2.29 0.20 1.78 0.16 11.60 1.18 0.1048 3.01 0.26 2.41 0.21 1.90 0.17 11.70 1.20 0.1149 3.16 0.28 2.53 0.22 2.01 0.18 11.90 1.23 0.11

50 3.31 0.29 2.65 0.23 2.13 0.19 12.00 1.25 0.1151 3.59 0.31 2.87 0.25 2.37 0.21 12.60 1.35 0.1252 3.86 0.34 3.09 0.27 2.62 0.23 13.20 1.45 0.1353 4.13 0.36 3.31 0.29 2.87 0.25 13.80 1.55 0.1454 4.40 0.39 3.53 0.31 3.11 0.27 14.40 1.65 0.1455 4.67 0.41 3.74 0.33 3.36 0.29 15.00 1.75 0.1556 5.00 0.44 4.16 0.36 3.77 0.33 1.80 0.1657 5.33 0.47 4.58 0.40 4.19 0.37 1.85 0.1658 5.66 0.50 5.00 0.44 4.61 0.40 1.90 0.1759 5.99 0.52 5.42 0.47 5.03 0.44 1.95 0.17

60 6.31 0.55 5.83 0.51 5.44 0.48 2.00 0.1861 6.79 0.59 6.31 0.55 5.88 0.5162 7.27 0.64 6.78 0.59 6.32 0.5563 7.75 0.68 7.27 0.64 6.77 0.5964 8.22 0.72 7.74 0.68 7.22 0.6365 8.70 0.76 8.22 0.72 7.66 0.6766 9.55 0.84 9.06 0.79 8.49 0.7467 10.41 0.91 9.91 0.87 9.32 0.8268 11.25 0.98 10.74 0.94 10.14 0.8969 12.10 1.06 11.59 1.01 10.96 0.96

70 12.96 1.13 12.43 1.09 11.79 1.03*71 16.51 1.44 15.84 1.39 15.02 1.31*72 20.06 1.76 19.25 1.68 18.26 1.60*73 23.61 2.07 22.66 1.98 21.49 1.88*74 27.16 2.38 26.07 2.28 24.73 2.16*75 30.71 2.69 29.48 2.58 27.96 2.45*76 34.26 3.00 32.89 2.88 31.19 2.73*77 37.81 3.31 36.30 3.18 34.43 3.01*78 41.36 3.62 39.70 3.47 37.66 3.30*79 44.91 3.93 43.12 3.77 40.90 3.58





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMCAPITAL LIFE AND US$ POLICIES PREMIUM RATES - MALE STANDARD



20 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0921 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0922 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0923 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0924 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0925 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0926 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0927 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0928 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0929 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.09

30 8.00 0.70 4.25 0.37 3.15 0.28 2.60 0.23 2.20 0.19 6.00 1.00 0.0931 8.08 0.71 4.35 0.38 3.22 0.28 2.66 0.23 2.26 0.20 6.10 1.00 0.0932 8.16 0.71 4.45 0.39 3.29 0.29 2.72 0.24 2.32 0.20 6.20 1.00 0.0933 8.24 0.72 4.55 0.40 3.36 0.29 2.78 0.24 2.38 0.21 6.30 1.00 0.0934 8.32 0.73 4.65 0.41 3.43 0.30 2.84 0.25 2.44 0.21 6.40 1.00 0.0935 8.40 0.74 4.75 0.42 3.50 0.31 2.90 0.25 2.50 0.22 6.50 1.00 0.0936 8.63 0.76 4.95 0.43 3.67 0.32 3.06 0.27 2.66 0.23 6.60 1.00 0.0937 8.86 0.78 5.15 0.45 3.84 0.34 3.22 0.28 2.82 0.25 6.70 1.00 0.0938 9.09 0.80 5.35 0.47 4.01 0.35 3.38 0.30 2.98 0.26 6.80 1.00 0.0939 9.32 0.82 5.55 0.49 4.18 0.37 3.54 0.31 3.14 0.27 6.90 1.00 0.09

40 9.55 0.84 5.75 0.50 4.35 0.38 3.70 0.32 3.30 0.29 7.00 1.00 0.0941 10.02 0.88 6.14 0.54 4.71 0.41 4.05 0.35 3.67 0.32 7.10 1.03 0.0942 10.49 0.92 6.53 0.57 5.07 0.44 4.40 0.39 4.04 0.35 7.20 1.05 0.0943 10.96 0.96 6.92 0.61 5.43 0.48 4.75 0.42 4.41 0.39 7.30 1.08 0.0944 11.43 1.00 7.31 0.64 5.79 0.51 5.10 0.45 4.78 0.42 7.40 1.10 0.1045 11.90 1.04 7.70 0.67 6.15 0.54 5.45 0.48 5.15 0.45 7.50 1.13 0.1046 12.66 1.11 8.32 0.73 6.78 0.59 6.09 0.53 5.76 0.50 7.60 1.15 0.1047 13.42 1.17 8.94 0.78 7.41 0.65 6.73 0.59 6.37 0.56 7.70 1.18 0.1048 14.18 1.24 9.56 0.84 8.04 0.70 7.37 0.64 6.98 0.61 7.80 1.20 0.1149 14.94 1.31 10.18 0.89 8.67 0.76 8.01 0.70 7.59 0.66 7.90 1.23 0.11

50 15.70 1.37 10.80 0.95 9.30 0.81 8.65 0.76 8.20 0.72 8.00 1.25 0.1151 16.87 1.48 12.04 1.05 10.52 0.92 9.80 0.86 9.33 0.82 8.40 1.35 0.1252 18.04 1.58 13.28 1.16 11.74 1.03 10.95 0.96 10.46 0.92 8.80 1.45 0.1353 19.21 1.68 14.52 1.27 12.96 1.13 12.10 1.06 11.59 1.01 9.20 1.55 0.1454 20.38 1.78 15.76 1.38 14.18 1.24 13.25 1.16 12.72 1.11 9.60 1.65 0.1455 21.55 1.89 17.00 1.49 15.40 1.35 14.40 1.26 13.85 1.21 10.00 1.75 0.1556 23.09 2.02 18.60 1.63 17.09 1.50 16.19 1.42 15.66 1.37 1.80 0.1657 24.63 2.16 20.20 1.77 18.78 1.64 17.98 1.57 17.47 1.53 1.85 0.1658 26.17 2.29 21.80 1.91 20.47 1.79 19.77 1.73 19.28 1.69 1.90 0.1759 27.71 2.42 23.40 2.05 22.16 1.94 21.56 1.89 21.09 1.85 1.95 0.17

60 29.25 2.56 25.00 2.19 23.85 2.09 23.35 2.04 22.90 2.00 2.00 0.1861 30.63 2.68 26.20 2.29 24.94 2.18 24.40 2.14 23.95 2.1062 32.01 2.80 27.40 2.40 26.03 2.28 25.45 2.23 25.00 2.1963 33.39 2.92 28.60 2.50 27.12 2.37 26.50 2.32 26.05 2.2864 34.77 3.04 29.80 2.61 28.21 2.47 27.55 2.41 27.10 2.3765 36.15 3.16 31.00 2.71 29.30 2.56 28.60 2.50 28.15 2.4666 38.93 3.41 33.75 2.95 32.12 2.81 31.40 2.75 30.91 2.7067 41.71 3.65 36.50 3.19 34.94 3.06 34.20 2.99 33.67 2.9568 44.49 3.89 39.25 3.43 37.76 3.30 37.00 3.24 36.43 3.1969 47.27 4.14 42.00 3.68 40.58 3.55 39.80 3.48 39.19 3.43

70 50.05 4.38 44.75 3.92 43.40 3.80 42.60 3.73 41.95 3.67*71 65.04 5.69 58.17 5.09 56.32 4.93 55.26 4.84 54.41 4.76*72 80.03 7.00 71.59 6.26 69.24 6.06 67.92 5.94 66.87 5.85*73 95.02 8.31 85.01 7.44 82.16 7.19 80.58 7.05 79.33 6.94*74 110.01 9.63 98.43 8.61 95.08 8.32 93.24 8.16 91.79 8.03*75 125.00 10.94 111.85 9.79 108.00 9.45 105.90 9.27 104.25 9.12*76 139.99 12.25 125.27 10.96 120.92 10.58 118.56 10.37 116.71 10.21*77 154.98 13.56 138.69 12.14 133.84 11.71 131.22 11.48 129.17 11.30*78 169.97 14.87 152.11 13.31 146.76 12.84 143.88 12.59 141.63 12.39*79 184.96 16.18 165.53 14.48 159.68 13.97 156.54 13.70 154.09 13.48





Sagicor Life Inc 5 YEAR RENEWABLE AND CONVERTIBLE TERMCAPITAL LIFE AND US$ POLICIES PREMIUM RATES - FEMALE STANDARD



20 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0921 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0922 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0923 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0924 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0925 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0926 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0927 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0928 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0929 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.09

30 7.70 0.67 4.00 0.35 2.55 0.22 1.92 0.17 1.41 0.12 9.00 1.00 0.0931 7.79 0.68 4.10 0.36 2.63 0.23 2.01 0.18 1.50 0.13 9.20 1.00 0.0932 7.88 0.69 4.20 0.37 2.71 0.24 2.10 0.18 1.59 0.14 9.30 1.00 0.0933 7.97 0.70 4.30 0.38 2.79 0.24 2.20 0.19 1.67 0.15 9.50 1.00 0.0934 8.06 0.71 4.40 0.39 2.87 0.25 2.29 0.20 1.76 0.15 9.60 1.00 0.0935 8.15 0.71 4.50 0.39 2.95 0.26 2.38 0.21 1.85 0.16 9.80 1.00 0.0936 8.37 0.73 4.69 0.41 3.10 0.27 2.52 0.22 2.00 0.18 9.90 1.00 0.0937 8.59 0.75 4.88 0.43 3.25 0.28 2.66 0.23 2.15 0.19 10.10 1.00 0.0938 8.82 0.77 5.07 0.44 3.40 0.30 2.79 0.24 2.31 0.20 10.20 1.00 0.0939 9.04 0.79 5.26 0.46 3.55 0.31 2.93 0.26 2.46 0.22 10.40 1.00 0.09

40 9.26 0.81 5.45 0.48 3.70 0.32 3.07 0.27 2.61 0.23 10.50 1.00 0.0941 9.55 0.84 5.68 0.50 3.92 0.34 3.29 0.29 2.79 0.24 10.70 1.03 0.0942 9.84 0.86 5.92 0.52 4.14 0.36 3.50 0.31 2.97 0.26 10.80 1.05 0.0943 10.13 0.89 6.15 0.54 4.36 0.38 3.72 0.33 3.16 0.28 11.00 1.08 0.0944 10.42 0.91 6.39 0.56 4.58 0.40 3.93 0.34 3.34 0.29 11.10 1.10 0.1045 10.71 0.94 6.62 0.58 4.80 0.42 4.15 0.36 3.52 0.31 11.30 1.13 0.1046 11.12 0.97 7.01 0.61 5.22 0.46 4.50 0.39 3.82 0.33 11.40 1.15 0.1047 11.53 1.01 7.39 0.65 5.64 0.49 4.85 0.42 4.11 0.36 11.60 1.18 0.1048 11.93 1.04 7.78 0.68 6.06 0.53 5.20 0.46 4.41 0.39 11.70 1.20 0.1149 12.34 1.08 8.16 0.71 6.48 0.57 5.55 0.49 4.70 0.41 11.90 1.23 0.11

50 12.75 1.12 8.55 0.75 6.90 0.60 5.90 0.52 5.00 0.44 12.00 1.25 0.1151 13.43 1.18 9.19 0.80 7.51 0.66 6.44 0.56 5.61 0.49 12.60 1.35 0.1252 14.11 1.23 9.83 0.86 8.12 0.71 6.98 0.61 6.22 0.54 13.20 1.45 0.1353 14.79 1.29 10.47 0.92 8.73 0.76 7.52 0.66 6.83 0.60 13.80 1.55 0.1454 15.47 1.35 11.11 0.97 9.34 0.82 8.06 0.71 7.44 0.65 14.40 1.65 0.1455 16.15 1.41 11.75 1.03 9.95 0.87 8.60 0.75 8.05 0.70 15.00 1.75 0.1556 17.02 1.49 12.55 1.10 10.73 0.94 9.60 0.84 9.10 0.80 1.80 0.1657 17.89 1.57 13.35 1.17 11.51 1.01 10.60 0.93 10.15 0.89 1.85 0.1658 18.76 1.64 14.15 1.24 12.29 1.08 11.60 1.02 11.20 0.98 1.90 0.1759 19.63 1.72 14.95 1.31 13.07 1.14 12.60 1.10 12.25 1.07 1.95 0.17

60 20.50 1.79 15.75 1.38 13.85 1.21 13.60 1.19 13.30 1.16 2.00 0.1861 21.43 1.88 16.45 1.44 14.45 1.26 14.17 1.24 13.85 1.2162 22.36 1.96 17.15 1.50 15.05 1.32 14.74 1.29 14.40 1.2663 23.29 2.04 17.85 1.56 15.65 1.37 15.31 1.34 14.95 1.3164 24.22 2.12 18.55 1.62 16.25 1.42 15.88 1.39 15.50 1.3665 25.15 2.20 19.25 1.68 16.85 1.47 16.45 1.44 16.05 1.4066 27.03 2.37 20.95 1.83 18.43 1.61 18.01 1.58 17.58 1.5467 28.91 2.53 22.65 1.98 20.01 1.75 19.57 1.71 19.11 1.6768 30.79 2.69 24.35 2.13 21.59 1.89 21.13 1.85 20.64 1.8169 32.67 2.86 26.05 2.28 23.17 2.03 22.69 1.99 22.17 1.94

70 34.55 3.02 27.75 2.43 24.75 2.17 24.25 2.12 23.70 2.07*71 44.10 3.86 35.40 3.10 31.59 2.76 30.90 2.70 30.18 2.64*72 53.65 4.69 43.05 3.77 38.43 3.36 37.55 3.29 36.66 3.21*73 63.20 5.53 50.70 4.44 45.27 3.96 44.20 3.87 43.14 3.77*74 72.75 6.37 58.35 5.11 52.11 4.56 50.85 4.45 49.62 4.34*75 82.30 7.20 66.00 5.78 58.95 5.16 57.50 5.03 56.10 4.91*76 91.85 8.04 73.65 6.44 65.79 5.76 64.15 5.61 62.58 5.48*77 101.40 8.87 81.30 7.11 72.63 6.36 70.80 6.20 69.06 6.04*78 110.95 9.71 88.95 7.78 79.47 6.95 77.45 6.78 75.54 6.61*79 120.50 10.54 96.60 8.45 86.31 7.55 84.10 7.36 82.02 7.18





Sagicor Life Inc 20 YEAR CONVERTIBLE TERMBARBADOS PREMIUM RATES - MALE PREFERRED

Total Disability

Premium Rate


20 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

21 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

22 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

23 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

24 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

25 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

26 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

27 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

28 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

29 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

30 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

31 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.10 1.00 0.09

32 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.20 1.00 0.09

33 4.19 0.37 2.71 0.24 1.82 0.16 1.58 0.14 1.49 0.13 6.30 1.00 0.09

34 4.26 0.37 2.77 0.24 1.88 0.16 1.64 0.14 1.54 0.13 6.40 1.00 0.09

35 4.33 0.38 2.85 0.25 1.96 0.17 1.71 0.15 1.61 0.14 6.50 1.00 0.09

36 4.42 0.39 2.94 0.26 2.05 0.18 1.78 0.16 1.68 0.15 6.60 1.00 0.09

37 4.53 0.40 3.05 0.27 2.15 0.19 1.88 0.16 1.77 0.15 6.70 1.00 0.09

38 4.65 0.41 3.17 0.28 2.28 0.20 1.99 0.17 1.88 0.16 6.80 1.00 0.09

39 4.80 0.42 3.31 0.29 2.42 0.21 2.11 0.18 2.01 0.18 6.90 1.00 0.09

40 4.96 0.43 3.47 0.30 2.57 0.22 2.28 0.20 2.16 0.19 7.00 1.00 0.09

41 5.15 0.45 3.65 0.32 2.76 0.24 2.46 0.22 2.31 0.20 7.10 1.03 0.09

42 5.36 0.47 3.86 0.34 2.96 0.26 2.66 0.23 2.52 0.22 7.20 1.05 0.09

43 5.59 0.49 4.09 0.36 3.19 0.28 2.89 0.25 2.74 0.24 7.30 1.08 0.09

44 5.84 0.51 4.35 0.38 3.44 0.30 3.15 0.28 3.00 0.26 7.40 1.10 0.10

45 6.13 0.54 4.63 0.41 3.73 0.33 3.43 0.30 3.29 0.29 7.50 1.13 0.10

46 6.46 0.57 4.95 0.43 4.05 0.35 3.75 0.33 3.60 0.32 7.60 1.15 0.10

47 6.82 0.60 5.31 0.46 4.41 0.39 4.11 0.36 3.96 0.35 7.70 1.18 0.10

48 7.22 0.63 5.72 0.50 4.81 0.42 4.51 0.39 4.36 0.38 7.80 1.20 0.11

49 7.68 0.67 6.16 0.54 5.26 0.46 4.96 0.43 4.81 0.42 7.90 1.23 0.11

50 8.18 0.72 6.68 0.58 5.76 0.50 5.47 0.48 5.31 0.46 8.00 1.25 0.11

51 8.76 0.77 7.24 0.63 6.33 0.55 6.03 0.53 5.87 0.51 8.40 1.35 0.12

52 9.39 0.82 7.88 0.69 6.97 0.61 6.67 0.58 6.51 0.57 8.80 1.45 0.13

53 10.12 0.89 8.60 0.75 7.69 0.67 7.38 0.65 7.23 0.63 9.20 1.55 0.14

54 10.92 0.96 9.41 0.82 8.48 0.74 8.18 0.72 8.03 0.70 9.60 1.65 0.14

55 11.84 1.04 10.31 0.90 9.39 0.82 9.09 0.80 8.93 0.78 10.00 1.75 0.15

56 12.85 1.12 11.32 0.99 10.41 0.91 10.10 0.88 9.94 0.87 1.80 0.16

57 13.99 1.22 12.45 1.09 11.54 1.01 11.23 0.98 11.08 0.97 1.85 0.16

58 15.26 1.34 13.73 1.20 12.80 1.12 12.50 1.09 12.34 1.08 1.90 0.17

59 16.68 1.46 15.15 1.33 14.22 1.24 13.92 1.22 13.76 1.20 1.95 0.17

60 18.25 1.60 16.72 1.46 15.80 1.38 15.50 1.36 15.35 1.34 2.00 0.18

Basic Premium Rate per 1000 AD&D Premium Rate

Band 1 Band 2 Band 3 Band 4 Band 5 per 1000


Sagicor Life Inc 20 YEAR CONVERTIBLE TERMBARBADOS PREMIUM RATES - MALE STANDARD

Total Disability

Premium Rate


20 5.29 0.46 3.81 0.33 2.90 0.25 1.94 0.17 1.78 0.16 6.00 1.00 0.09

21 5.29 0.46 3.81 0.33 2.90 0.25 1.94 0.17 1.78 0.16 6.00 1.00 0.09

22 5.29 0.46 3.81 0.33 2.90 0.25 1.94 0.17 1.78 0.16 6.00 1.00 0.09

23 5.29 0.46 3.81 0.33 2.90 0.25 1.94 0.17 1.79 0.16 6.00 1.00 0.09

24 5.29 0.46 3.81 0.33 2.90 0.25 1.97 0.17 1.83 0.16 6.00 1.00 0.09

25 5.29 0.46 3.81 0.33 2.90 0.25 2.02 0.18 1.88 0.16 6.00 1.00 0.09

26 5.29 0.46 3.81 0.33 2.90 0.25 2.10 0.18 1.95 0.17 6.00 1.00 0.09

27 5.29 0.46 3.81 0.33 2.90 0.25 2.20 0.19 2.04 0.18 6.00 1.00 0.09

28 5.29 0.46 3.81 0.33 2.90 0.25 2.31 0.20 2.13 0.19 6.00 1.00 0.09

29 5.29 0.46 3.81 0.33 2.90 0.25 2.43 0.21 2.24 0.20 6.00 1.00 0.09

30 5.29 0.46 3.81 0.33 2.90 0.25 2.44 0.21 2.30 0.20 6.00 1.00 0.09

31 5.29 0.46 3.81 0.33 2.90 0.25 2.61 0.23 2.45 0.21 6.10 1.00 0.09

32 5.48 0.48 3.98 0.35 3.09 0.27 2.78 0.24 2.64 0.23 6.20 1.00 0.09

33 5.69 0.50 4.19 0.37 3.29 0.29 2.99 0.26 2.85 0.25 6.30 1.00 0.09

34 5.92 0.52 4.42 0.39 3.52 0.31 3.22 0.28 3.08 0.27 6.40 1.00 0.09

35 6.19 0.54 4.70 0.41 3.80 0.33 3.50 0.31 3.34 0.29 6.50 1.00 0.09

36 6.50 0.57 5.01 0.44 4.10 0.36 3.81 0.33 3.65 0.32 6.60 1.00 0.09

37 6.86 0.60 5.36 0.47 4.46 0.39 4.16 0.36 4.00 0.35 6.70 1.00 0.09

38 7.28 0.64 5.78 0.51 4.87 0.43 4.57 0.40 4.42 0.39 6.80 1.00 0.09

39 7.76 0.68 6.24 0.55 5.34 0.47 5.04 0.44 4.88 0.43 6.90 1.00 0.09

40 8.28 0.72 6.78 0.59 5.86 0.51 5.57 0.49 5.41 0.47 7.00 1.00 0.09

41 8.89 0.78 7.37 0.64 6.46 0.57 6.15 0.54 6.00 0.53 7.10 1.03 0.09

42 9.55 0.84 8.03 0.70 7.12 0.62 6.81 0.60 6.66 0.58 7.20 1.05 0.09

43 10.29 0.90 8.76 0.77 7.83 0.69 7.54 0.66 7.38 0.65 7.30 1.08 0.09

44 11.10 0.97 9.56 0.84 8.64 0.76 8.33 0.73 8.17 0.71 7.40 1.10 0.10

45 11.98 1.05 10.44 0.91 9.52 0.83 9.21 0.81 9.05 0.79 7.50 1.13 0.10

46 12.96 1.13 11.41 1.00 10.48 0.92 10.16 0.89 10.01 0.88 7.60 1.15 0.10

47 14.03 1.23 12.47 1.09 11.54 1.01 11.22 0.98 11.07 0.97 7.70 1.18 0.10

48 15.19 1.33 13.63 1.19 12.68 1.11 12.38 1.08 12.21 1.07 7.80 1.20 0.11

49 16.46 1.44 14.88 1.30 13.94 1.22 13.62 1.19 13.45 1.18 7.90 1.23 0.11

50 17.84 1.56 16.25 1.42 15.29 1.34 14.97 1.31 14.82 1.30 8.00 1.25 0.11

51 19.34 1.69 17.73 1.55 16.76 1.47 16.45 1.44 16.29 1.43 8.40 1.35 0.12

52 20.96 1.83 19.34 1.69 18.37 1.61 18.05 1.58 17.89 1.57 8.80 1.45 0.13

53 22.70 1.99 21.08 1.84 20.10 1.76 19.78 1.73 19.61 1.72 9.20 1.55 0.14

54 24.60 2.15 22.96 2.01 21.97 1.92 21.65 1.89 21.48 1.88 9.60 1.65 0.14

55 26.64 2.33 24.98 2.19 23.99 2.10 23.65 2.07 23.49 2.06 10.00 1.75 0.15

56 28.83 2.52 27.16 2.38 26.16 2.29 25.83 2.26 25.65 2.24 1.80 0.16

57 31.19 2.73 29.50 2.58 28.49 2.49 28.15 2.46 27.98 2.45 1.85 0.16

58 33.72 2.95 32.01 2.80 30.99 2.71 30.65 2.68 30.48 2.67 1.90 0.17

59 36.41 3.19 34.69 3.04 33.67 2.95 33.33 2.92 33.15 2.90 1.95 0.17

60 39.29 3.44 37.57 3.29 36.53 3.20 36.18 3.17 36.01 3.15 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMBARBADOS PREMIUM RATES - FEMALE PREFERRED

Total Disability

Premium Rate


20 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

21 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

22 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

23 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

24 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

25 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

26 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

27 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

28 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

29 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

30 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

31 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.20 1.00 0.09

32 3.74 0.33 2.26 0.20 1.40 0.12 1.19 0.10 1.09 0.10 9.30 1.00 0.09

33 3.80 0.33 2.32 0.20 1.45 0.13 1.24 0.11 1.13 0.10 9.50 1.00 0.09

34 3.86 0.34 2.38 0.21 1.51 0.13 1.30 0.11 1.20 0.11 9.60 1.00 0.09

35 3.94 0.34 2.45 0.21 1.57 0.14 1.36 0.12 1.25 0.11 9.80 1.00 0.09

36 4.02 0.35 2.53 0.22 1.64 0.14 1.43 0.13 1.33 0.12 9.90 1.00 0.09

37 4.10 0.36 2.62 0.23 1.73 0.15 1.51 0.13 1.41 0.12 10.10 1.00 0.09

38 4.20 0.37 2.72 0.24 1.83 0.16 1.60 0.14 1.50 0.13 10.20 1.00 0.09

39 4.31 0.38 2.83 0.25 1.94 0.17 1.68 0.15 1.58 0.14 10.40 1.00 0.09

40 4.42 0.39 2.94 0.26 2.05 0.18 1.79 0.16 1.68 0.15 10.50 1.00 0.09

41 4.55 0.40 3.07 0.27 2.17 0.19 1.90 0.17 1.80 0.16 10.70 1.03 0.09

42 4.70 0.41 3.20 0.28 2.31 0.20 2.02 0.18 1.93 0.17 10.80 1.05 0.09

43 4.85 0.42 3.36 0.29 2.46 0.22 2.17 0.19 2.06 0.18 11.00 1.08 0.09

44 5.03 0.44 3.53 0.31 2.64 0.23 2.34 0.20 2.21 0.19 11.10 1.10 0.10

45 5.21 0.46 3.73 0.33 2.83 0.25 2.53 0.22 2.39 0.21 11.30 1.13 0.10

46 5.43 0.48 3.95 0.35 3.05 0.27 2.75 0.24 2.60 0.23 11.40 1.15 0.10

47 5.69 0.50 4.19 0.37 3.29 0.29 2.99 0.26 2.85 0.25 11.60 1.18 0.10

48 5.96 0.52 4.47 0.39 3.58 0.31 3.27 0.29 3.12 0.27 11.70 1.20 0.11

49 6.28 0.55 4.79 0.42 3.88 0.34 3.59 0.31 3.43 0.30 11.90 1.23 0.11

50 6.63 0.58 5.14 0.45 4.24 0.37 3.93 0.34 3.78 0.33 12.00 1.25 0.11

51 7.04 0.62 5.53 0.48 4.63 0.41 4.33 0.38 4.18 0.37 12.60 1.35 0.12

52 7.48 0.65 5.98 0.52 5.08 0.44 4.77 0.42 4.63 0.41 13.20 1.45 0.13

53 8.00 0.70 6.49 0.57 5.59 0.49 5.28 0.46 5.14 0.45 13.80 1.55 0.14

54 8.57 0.75 7.06 0.62 6.16 0.54 5.85 0.51 5.71 0.50 14.40 1.65 0.14

55 9.22 0.81 7.71 0.67 6.80 0.60 6.50 0.57 6.35 0.56 15.00 1.75 0.15

56 9.94 0.87 8.44 0.74 7.54 0.66 7.23 0.63 7.08 0.62 1.80 0.16

57 10.77 0.94 9.26 0.81 8.36 0.73 8.05 0.70 7.91 0.69 1.85 0.16

58 11.69 1.02 10.19 0.89 9.28 0.81 8.99 0.79 8.83 0.77 1.90 0.17

59 12.74 1.11 11.24 0.98 10.34 0.90 10.03 0.88 9.89 0.87 1.95 0.17

60 13.92 1.22 12.42 1.09 11.52 1.01 11.21 0.98 11.07 0.97 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMBARBADOS PREMIUM RATES - FEMALE STANDARD



20 4.70 0.41 3.20 0.28 2.31 0.20 1.19 0.10 1.05 0.09 9.00 1.00 0.09

21 4.70 0.41 3.20 0.28 2.31 0.20 1.21 0.11 1.08 0.09 9.00 1.00 0.09

22 4.70 0.41 3.20 0.28 2.31 0.20 1.25 0.11 1.12 0.10 9.00 1.00 0.09

23 4.70 0.41 3.20 0.28 2.31 0.20 1.30 0.11 1.17 0.10 9.00 1.00 0.09

24 4.70 0.41 3.20 0.28 2.31 0.20 1.36 0.12 1.23 0.11 9.00 1.00 0.09

25 4.70 0.41 3.20 0.28 2.31 0.20 1.44 0.13 1.31 0.11 9.00 1.00 0.09

26 4.70 0.41 3.20 0.28 2.31 0.20 1.53 0.13 1.40 0.12 9.00 1.00 0.09

27 4.70 0.41 3.20 0.28 2.31 0.20 1.63 0.14 1.50 0.13 9.00 1.00 0.09

28 4.70 0.41 3.20 0.28 2.31 0.20 1.74 0.15 1.61 0.14 9.00 1.00 0.09

29 4.70 0.41 3.20 0.28 2.31 0.20 1.85 0.16 1.72 0.15 9.00 1.00 0.09

30 4.70 0.41 3.20 0.28 2.31 0.20 1.88 0.16 1.78 0.16 9.00 1.00 0.09

31 4.70 0.41 3.20 0.28 2.31 0.20 2.01 0.18 1.91 0.17 9.20 1.00 0.09

32 4.86 0.43 3.38 0.30 2.49 0.22 2.19 0.19 2.06 0.18 9.30 1.00 0.09

33 5.05 0.44 3.55 0.31 2.66 0.23 2.37 0.21 2.21 0.19 9.50 1.00 0.09

34 5.26 0.46 3.76 0.33 2.87 0.25 2.56 0.22 2.42 0.21 9.60 1.00 0.09

35 5.48 0.48 3.98 0.35 3.09 0.27 2.79 0.24 2.64 0.23 9.80 1.00 0.09

36 5.73 0.50 4.24 0.37 3.33 0.29 3.04 0.27 2.88 0.25 9.90 1.00 0.09

37 6.00 0.53 4.50 0.39 3.60 0.32 3.30 0.29 3.15 0.28 10.10 1.00 0.09

38 6.29 0.55 4.80 0.42 3.89 0.34 3.59 0.31 3.44 0.30 10.20 1.00 0.09

39 6.61 0.58 5.10 0.45 4.20 0.37 3.91 0.34 3.75 0.33 10.40 1.00 0.09

40 6.95 0.61 5.45 0.48 4.54 0.40 4.25 0.37 4.09 0.36 10.50 1.00 0.09

41 7.32 0.64 5.81 0.51 4.91 0.43 4.60 0.40 4.44 0.39 10.70 1.03 0.09

42 7.71 0.67 6.20 0.54 5.29 0.46 4.99 0.44 4.84 0.42 10.80 1.05 0.09

43 8.14 0.71 6.62 0.58 5.71 0.50 5.41 0.47 5.26 0.46 11.00 1.08 0.09

44 8.60 0.75 7.08 0.62 6.17 0.54 5.86 0.51 5.71 0.50 11.10 1.10 0.10

45 9.11 0.80 7.58 0.66 6.67 0.58 6.36 0.56 6.20 0.54 11.30 1.13 0.10

46 9.65 0.84 8.12 0.71 7.21 0.63 6.90 0.60 6.74 0.59 11.40 1.15 0.10

47 10.24 0.90 8.71 0.76 7.79 0.68 7.48 0.65 7.33 0.64 11.60 1.18 0.10

48 10.89 0.95 9.36 0.82 8.44 0.74 8.13 0.71 7.98 0.70 11.70 1.20 0.11

49 11.61 1.02 10.05 0.88 9.13 0.80 8.82 0.77 8.67 0.76 11.90 1.23 0.11

50 12.38 1.08 10.82 0.95 9.89 0.87 9.58 0.84 9.43 0.83 12.00 1.25 0.11

51 13.21 1.16 11.66 1.02 10.73 0.94 10.42 0.91 10.26 0.90 12.60 1.35 0.12

52 14.14 1.24 12.57 1.10 11.63 1.02 11.32 0.99 11.17 0.98 13.20 1.45 0.13

53 15.14 1.32 13.56 1.19 12.63 1.11 12.31 1.08 12.16 1.06 13.80 1.55 0.14

54 16.23 1.42 14.65 1.28 13.71 1.20 13.39 1.17 13.23 1.16 14.40 1.65 0.14

55 17.42 1.52 15.84 1.39 14.89 1.30 14.58 1.28 14.42 1.26 15.00 1.75 0.15

56 18.72 1.64 17.14 1.50 16.18 1.42 15.87 1.39 15.71 1.37 1.80 0.16

57 20.14 1.76 18.55 1.62 17.59 1.54 17.27 1.51 17.12 1.50 1.85 0.16

58 21.69 1.90 20.10 1.76 19.13 1.67 18.81 1.65 18.66 1.63 1.90 0.17

59 23.38 2.05 21.77 1.90 20.81 1.82 20.49 1.79 20.33 1.78 1.95 0.17

60 25.21 2.21 23.61 2.07 22.64 1.98 22.32 1.95 22.17 1.94 2.00 0.18

Basic Premium Rate per 1000 AD&D Premium RateBand 1 Band 2 Band 3 Band 4 Band 5 per 1000


Sagicor Life Inc 20 YEAR CONVERTIBLE TERMOECS PREMIUM RATES - MALE PREFERRED

Total Disability

Premium Rate


20 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

21 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

22 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

23 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

24 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

25 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

26 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

27 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

28 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

29 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

30 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.00 1.00 0.09

31 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.10 1.00 0.09

32 4.19 0.37 2.65 0.23 1.76 0.15 1.54 0.13 1.43 0.13 6.20 1.00 0.09

33 4.19 0.37 2.71 0.24 1.82 0.16 1.58 0.14 1.49 0.13 6.30 1.00 0.09

34 4.26 0.37 2.77 0.24 1.88 0.16 1.64 0.14 1.54 0.13 6.40 1.00 0.09

35 4.33 0.38 2.85 0.25 1.96 0.17 1.71 0.15 1.61 0.14 6.50 1.00 0.09

36 4.42 0.39 2.94 0.26 2.05 0.18 1.78 0.16 1.68 0.15 6.60 1.00 0.09

37 4.53 0.40 3.05 0.27 2.15 0.19 1.88 0.16 1.77 0.15 6.70 1.00 0.09

38 4.65 0.41 3.17 0.28 2.28 0.20 1.99 0.17 1.88 0.16 6.80 1.00 0.09

39 4.80 0.42 3.31 0.29 2.42 0.21 2.11 0.18 2.01 0.18 6.90 1.00 0.09

40 4.96 0.43 3.47 0.30 2.57 0.22 2.28 0.20 2.16 0.19 7.00 1.00 0.09

41 5.15 0.45 3.65 0.32 2.76 0.24 2.46 0.22 2.31 0.20 7.10 1.03 0.09

42 5.36 0.47 3.86 0.34 2.96 0.26 2.66 0.23 2.52 0.22 7.20 1.05 0.09

43 5.59 0.49 4.09 0.36 3.19 0.28 2.89 0.25 2.74 0.24 7.30 1.08 0.09

44 5.84 0.51 4.35 0.38 3.44 0.30 3.15 0.28 3.00 0.26 7.40 1.10 0.10

45 6.13 0.54 4.63 0.41 3.73 0.33 3.43 0.30 3.29 0.29 7.50 1.13 0.10

46 6.46 0.57 4.95 0.43 4.05 0.35 3.75 0.33 3.60 0.32 7.60 1.15 0.10

47 6.82 0.60 5.31 0.46 4.41 0.39 4.11 0.36 3.96 0.35 7.70 1.18 0.10

48 7.22 0.63 5.72 0.50 4.81 0.42 4.51 0.39 4.36 0.38 7.80 1.20 0.11

49 7.68 0.67 6.16 0.54 5.26 0.46 4.96 0.43 4.81 0.42 7.90 1.23 0.11

50 8.18 0.72 6.68 0.58 5.76 0.50 5.47 0.48 5.31 0.46 8.00 1.25 0.11

51 8.76 0.77 7.24 0.63 6.33 0.55 6.03 0.53 5.87 0.51 8.40 1.35 0.12

52 9.39 0.82 7.88 0.69 6.97 0.61 6.67 0.58 6.51 0.57 8.80 1.45 0.13

53 10.12 0.89 8.60 0.75 7.69 0.67 7.38 0.65 7.23 0.63 9.20 1.55 0.14

54 10.92 0.96 9.41 0.82 8.48 0.74 8.18 0.72 8.03 0.70 9.60 1.65 0.14

55 11.84 1.04 10.31 0.90 9.39 0.82 9.09 0.80 8.93 0.78 10.00 1.75 0.15

56 12.85 1.12 11.32 0.99 10.41 0.91 10.10 0.88 9.94 0.87 1.80 0.16

57 13.99 1.22 12.45 1.09 11.54 1.01 11.23 0.98 11.08 0.97 1.85 0.16

58 15.26 1.34 13.73 1.20 12.80 1.12 12.50 1.09 12.34 1.08 1.90 0.17

59 16.68 1.46 15.15 1.33 14.22 1.24 13.92 1.22 13.76 1.20 1.95 0.17

60 18.25 1.60 16.72 1.46 15.80 1.38 15.50 1.36 15.35 1.34 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMOECS PREMIUM RATES - MALE STANDARD

Total Disability

Premium Rate


20 5.29 0.46 3.81 0.33 2.90 0.25 1.94 0.17 1.78 0.16 6.00 1.00 0.09

21 5.29 0.46 3.81 0.33 2.90 0.25 1.94 0.17 1.78 0.16 6.00 1.00 0.09

22 5.29 0.46 3.81 0.33 2.90 0.25 1.94 0.17 1.78 0.16 6.00 1.00 0.09

23 5.29 0.46 3.81 0.33 2.90 0.25 1.94 0.17 1.79 0.16 6.00 1.00 0.09

24 5.29 0.46 3.81 0.33 2.90 0.25 1.97 0.17 1.83 0.16 6.00 1.00 0.09

25 5.29 0.46 3.81 0.33 2.90 0.25 2.02 0.18 1.88 0.16 6.00 1.00 0.09

26 5.29 0.46 3.81 0.33 2.90 0.25 2.10 0.18 1.95 0.17 6.00 1.00 0.09

27 5.29 0.46 3.81 0.33 2.90 0.25 2.20 0.19 2.04 0.18 6.00 1.00 0.09

28 5.29 0.46 3.81 0.33 2.90 0.25 2.31 0.20 2.13 0.19 6.00 1.00 0.09

29 5.29 0.46 3.81 0.33 2.90 0.25 2.43 0.21 2.24 0.20 6.00 1.00 0.09

30 5.29 0.46 3.81 0.33 2.90 0.25 2.44 0.21 2.30 0.20 6.00 1.00 0.09

31 5.29 0.46 3.81 0.33 2.90 0.25 2.61 0.23 2.45 0.21 6.10 1.00 0.09

32 5.48 0.48 3.98 0.35 3.09 0.27 2.78 0.24 2.64 0.23 6.20 1.00 0.09

33 5.69 0.50 4.19 0.37 3.29 0.29 2.99 0.26 2.85 0.25 6.30 1.00 0.09

34 5.92 0.52 4.42 0.39 3.52 0.31 3.22 0.28 3.08 0.27 6.40 1.00 0.09

35 6.19 0.54 4.70 0.41 3.80 0.33 3.50 0.31 3.34 0.29 6.50 1.00 0.09

36 6.50 0.57 5.01 0.44 4.10 0.36 3.81 0.33 3.65 0.32 6.60 1.00 0.09

37 6.86 0.60 5.36 0.47 4.46 0.39 4.16 0.36 4.00 0.35 6.70 1.00 0.09

38 7.28 0.64 5.78 0.51 4.87 0.43 4.57 0.40 4.42 0.39 6.80 1.00 0.09

39 7.76 0.68 6.24 0.55 5.34 0.47 5.04 0.44 4.88 0.43 6.90 1.00 0.09

40 8.28 0.72 6.78 0.59 5.86 0.51 5.57 0.49 5.41 0.47 7.00 1.00 0.09

41 8.89 0.78 7.37 0.64 6.46 0.57 6.15 0.54 6.00 0.53 7.10 1.03 0.09

42 9.55 0.84 8.03 0.70 7.12 0.62 6.81 0.60 6.66 0.58 7.20 1.05 0.09

43 10.29 0.90 8.76 0.77 7.83 0.69 7.54 0.66 7.38 0.65 7.30 1.08 0.09

44 11.10 0.97 9.56 0.84 8.64 0.76 8.33 0.73 8.17 0.71 7.40 1.10 0.10

45 11.98 1.05 10.44 0.91 9.52 0.83 9.21 0.81 9.05 0.79 7.50 1.13 0.10

46 12.96 1.13 11.41 1.00 10.48 0.92 10.16 0.89 10.01 0.88 7.60 1.15 0.10

47 14.03 1.23 12.47 1.09 11.54 1.01 11.22 0.98 11.07 0.97 7.70 1.18 0.10

48 15.19 1.33 13.63 1.19 12.68 1.11 12.38 1.08 12.21 1.07 7.80 1.20 0.11

49 16.46 1.44 14.88 1.30 13.94 1.22 13.62 1.19 13.45 1.18 7.90 1.23 0.11

50 17.84 1.56 16.25 1.42 15.29 1.34 14.97 1.31 14.82 1.30 8.00 1.25 0.11

51 19.34 1.69 17.73 1.55 16.76 1.47 16.45 1.44 16.29 1.43 8.40 1.35 0.12

52 20.96 1.83 19.34 1.69 18.37 1.61 18.05 1.58 17.89 1.57 8.80 1.45 0.13

53 22.70 1.99 21.08 1.84 20.10 1.76 19.78 1.73 19.61 1.72 9.20 1.55 0.14

54 24.60 2.15 22.96 2.01 21.97 1.92 21.65 1.89 21.48 1.88 9.60 1.65 0.14

55 26.64 2.33 24.98 2.19 23.99 2.10 23.65 2.07 23.49 2.06 10.00 1.75 0.15

56 28.83 2.52 27.16 2.38 26.16 2.29 25.83 2.26 25.65 2.24 1.80 0.16

57 31.19 2.73 29.50 2.58 28.49 2.49 28.15 2.46 27.98 2.45 1.85 0.16

58 33.72 2.95 32.01 2.80 30.99 2.71 30.65 2.68 30.48 2.67 1.90 0.17

59 36.41 3.19 34.69 3.04 33.67 2.95 33.33 2.92 33.15 2.90 1.95 0.17

60 39.29 3.44 37.57 3.29 36.53 3.20 36.18 3.17 36.01 3.15 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMOECS PREMIUM RATES - FEMALE PREFERRED

Total Disability

Premium Rate


20 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

21 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

22 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

23 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

24 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

25 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

26 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

27 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

28 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

29 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

30 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.00 1.00 0.09

31 3.74 0.33 2.21 0.19 1.35 0.12 1.14 0.10 1.05 0.09 9.20 1.00 0.09

32 3.74 0.33 2.26 0.20 1.40 0.12 1.19 0.10 1.09 0.10 9.30 1.00 0.09

33 3.80 0.33 2.32 0.20 1.45 0.13 1.24 0.11 1.13 0.10 9.50 1.00 0.09

34 3.86 0.34 2.38 0.21 1.51 0.13 1.30 0.11 1.20 0.11 9.60 1.00 0.09

35 3.94 0.34 2.45 0.21 1.57 0.14 1.36 0.12 1.25 0.11 9.80 1.00 0.09

36 4.02 0.35 2.53 0.22 1.64 0.14 1.43 0.13 1.33 0.12 9.90 1.00 0.09

37 4.10 0.36 2.62 0.23 1.73 0.15 1.51 0.13 1.41 0.12 10.10 1.00 0.09

38 4.20 0.37 2.72 0.24 1.83 0.16 1.60 0.14 1.50 0.13 10.20 1.00 0.09

39 4.31 0.38 2.83 0.25 1.94 0.17 1.68 0.15 1.58 0.14 10.40 1.00 0.09

40 4.42 0.39 2.94 0.26 2.05 0.18 1.79 0.16 1.68 0.15 10.50 1.00 0.09

41 4.55 0.40 3.07 0.27 2.17 0.19 1.90 0.17 1.80 0.16 10.70 1.03 0.09

42 4.70 0.41 3.20 0.28 2.31 0.20 2.02 0.18 1.93 0.17 10.80 1.05 0.09

43 4.85 0.42 3.36 0.29 2.46 0.22 2.17 0.19 2.06 0.18 11.00 1.08 0.09

44 5.03 0.44 3.53 0.31 2.64 0.23 2.34 0.20 2.21 0.19 11.10 1.10 0.10

45 5.21 0.46 3.73 0.33 2.83 0.25 2.53 0.22 2.39 0.21 11.30 1.13 0.10

46 5.43 0.48 3.95 0.35 3.05 0.27 2.75 0.24 2.60 0.23 11.40 1.15 0.10

47 5.69 0.50 4.19 0.37 3.29 0.29 2.99 0.26 2.85 0.25 11.60 1.18 0.10

48 5.96 0.52 4.47 0.39 3.58 0.31 3.27 0.29 3.12 0.27 11.70 1.20 0.11

49 6.28 0.55 4.79 0.42 3.88 0.34 3.59 0.31 3.43 0.30 11.90 1.23 0.11

50 6.63 0.58 5.14 0.45 4.24 0.37 3.93 0.34 3.78 0.33 12.00 1.25 0.11

51 7.04 0.62 5.53 0.48 4.63 0.41 4.33 0.38 4.18 0.37 12.60 1.35 0.12

52 7.48 0.65 5.98 0.52 5.08 0.44 4.77 0.42 4.63 0.41 13.20 1.45 0.13

53 8.00 0.70 6.49 0.57 5.59 0.49 5.28 0.46 5.14 0.45 13.80 1.55 0.14

54 8.57 0.75 7.06 0.62 6.16 0.54 5.85 0.51 5.71 0.50 14.40 1.65 0.14

55 9.22 0.81 7.71 0.67 6.80 0.60 6.50 0.57 6.35 0.56 15.00 1.75 0.15

56 9.94 0.87 8.44 0.74 7.54 0.66 7.23 0.63 7.08 0.62 1.80 0.16

57 10.77 0.94 9.26 0.81 8.36 0.73 8.05 0.70 7.91 0.69 1.85 0.16

58 11.69 1.02 10.19 0.89 9.28 0.81 8.99 0.79 8.83 0.77 1.90 0.17

59 12.74 1.11 11.24 0.98 10.34 0.90 10.03 0.88 9.89 0.87 1.95 0.17

60 13.92 1.22 12.42 1.09 11.52 1.01 11.21 0.98 11.07 0.97 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMOECS PREMIUM RATES - FEMALE STANDARD

Total Disability

Premium Rate


20 4.70 0.41 3.20 0.28 2.31 0.20 1.19 0.10 1.05 0.09 9.00 1.00 0.09

21 4.70 0.41 3.20 0.28 2.31 0.20 1.21 0.11 1.08 0.09 9.00 1.00 0.09

22 4.70 0.41 3.20 0.28 2.31 0.20 1.25 0.11 1.12 0.10 9.00 1.00 0.09

23 4.70 0.41 3.20 0.28 2.31 0.20 1.30 0.11 1.17 0.10 9.00 1.00 0.09

24 4.70 0.41 3.20 0.28 2.31 0.20 1.36 0.12 1.23 0.11 9.00 1.00 0.09

25 4.70 0.41 3.20 0.28 2.31 0.20 1.44 0.13 1.31 0.11 9.00 1.00 0.09

26 4.70 0.41 3.20 0.28 2.31 0.20 1.53 0.13 1.40 0.12 9.00 1.00 0.09

27 4.70 0.41 3.20 0.28 2.31 0.20 1.63 0.14 1.50 0.13 9.00 1.00 0.09

28 4.70 0.41 3.20 0.28 2.31 0.20 1.74 0.15 1.61 0.14 9.00 1.00 0.09

29 4.70 0.41 3.20 0.28 2.31 0.20 1.85 0.16 1.72 0.15 9.00 1.00 0.09

30 4.70 0.41 3.20 0.28 2.31 0.20 1.88 0.16 1.78 0.16 9.00 1.00 0.09

31 4.70 0.41 3.20 0.28 2.31 0.20 2.01 0.18 1.91 0.17 9.20 1.00 0.09

32 4.86 0.43 3.38 0.30 2.49 0.22 2.19 0.19 2.06 0.18 9.30 1.00 0.09

33 5.05 0.44 3.55 0.31 2.66 0.23 2.37 0.21 2.21 0.19 9.50 1.00 0.09

34 5.26 0.46 3.76 0.33 2.87 0.25 2.56 0.22 2.42 0.21 9.60 1.00 0.09

35 5.48 0.48 3.98 0.35 3.09 0.27 2.79 0.24 2.64 0.23 9.80 1.00 0.09

36 5.73 0.50 4.24 0.37 3.33 0.29 3.04 0.27 2.88 0.25 9.90 1.00 0.09

37 6.00 0.53 4.50 0.39 3.60 0.32 3.30 0.29 3.15 0.28 10.10 1.00 0.09

38 6.29 0.55 4.80 0.42 3.89 0.34 3.59 0.31 3.44 0.30 10.20 1.00 0.09

39 6.61 0.58 5.10 0.45 4.20 0.37 3.91 0.34 3.75 0.33 10.40 1.00 0.09

40 6.95 0.61 5.45 0.48 4.54 0.40 4.25 0.37 4.09 0.36 10.50 1.00 0.09

41 7.32 0.64 5.81 0.51 4.91 0.43 4.60 0.40 4.44 0.39 10.70 1.03 0.09

42 7.71 0.67 6.20 0.54 5.29 0.46 4.99 0.44 4.84 0.42 10.80 1.05 0.09

43 8.14 0.71 6.62 0.58 5.71 0.50 5.41 0.47 5.26 0.46 11.00 1.08 0.09

44 8.60 0.75 7.08 0.62 6.17 0.54 5.86 0.51 5.71 0.50 11.10 1.10 0.10

45 9.11 0.80 7.58 0.66 6.67 0.58 6.36 0.56 6.20 0.54 11.30 1.13 0.10

46 9.65 0.84 8.12 0.71 7.21 0.63 6.90 0.60 6.74 0.59 11.40 1.15 0.10

47 10.24 0.90 8.71 0.76 7.79 0.68 7.48 0.65 7.33 0.64 11.60 1.18 0.10

48 10.89 0.95 9.36 0.82 8.44 0.74 8.13 0.71 7.98 0.70 11.70 1.20 0.11

49 11.61 1.02 10.05 0.88 9.13 0.80 8.82 0.77 8.67 0.76 11.90 1.23 0.11

50 12.38 1.08 10.82 0.95 9.89 0.87 9.58 0.84 9.43 0.83 12.00 1.25 0.11

51 13.21 1.16 11.66 1.02 10.73 0.94 10.42 0.91 10.26 0.90 12.60 1.35 0.12

52 14.14 1.24 12.57 1.10 11.63 1.02 11.32 0.99 11.17 0.98 13.20 1.45 0.13

53 15.14 1.32 13.56 1.19 12.63 1.11 12.31 1.08 12.16 1.06 13.80 1.55 0.14

54 16.23 1.42 14.65 1.28 13.71 1.20 13.39 1.17 13.23 1.16 14.40 1.65 0.14

55 17.42 1.52 15.84 1.39 14.89 1.30 14.58 1.28 14.42 1.26 15.00 1.75 0.15

56 18.72 1.64 17.14 1.50 16.18 1.42 15.87 1.39 15.71 1.37 1.80 0.16

57 20.14 1.76 18.55 1.62 17.59 1.54 17.27 1.51 17.12 1.50 1.85 0.16

58 21.69 1.90 20.10 1.76 19.13 1.67 18.81 1.65 18.66 1.63 1.90 0.17

59 23.38 2.05 21.77 1.90 20.81 1.82 20.49 1.79 20.33 1.78 1.95 0.17

60 25.21 2.21 23.61 2.07 22.64 1.98 22.32 1.95 22.17 1.94 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMTRINIDAD PREMIUM RATES - MALE PREFERRED

Total Disability

Premium Rate


20 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

21 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

22 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

23 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

24 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

25 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

26 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

27 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

28 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

29 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

30 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.00 1.00 0.09

31 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.10 1.00 0.09

32 3.81 0.33 2.41 0.21 1.6 0.14 1.4 0.12 1.3 0.11 6.20 1.00 0.09

33 3.81 0.33 2.46 0.22 1.65 0.14 1.44 0.13 1.35 0.12 6.30 1.00 0.09

34 3.87 0.34 2.52 0.22 1.71 0.15 1.49 0.13 1.4 0.12 6.40 1.00 0.09

35 3.94 0.34 2.59 0.23 1.78 0.16 1.55 0.14 1.46 0.13 6.50 1.00 0.09

36 4.02 0.35 2.67 0.23 1.86 0.16 1.62 0.14 1.53 0.13 6.60 1.00 0.09

37 4.12 0.36 2.77 0.24 1.95 0.17 1.71 0.15 1.61 0.14 6.70 1.00 0.09

38 4.23 0.37 2.88 0.25 2.07 0.18 1.81 0.16 1.71 0.15 6.80 1.00 0.09

39 4.36 0.38 3.01 0.26 2.2 0.19 1.92 0.17 1.83 0.16 6.90 1.00 0.09

40 4.51 0.39 3.15 0.28 2.34 0.20 2.07 0.18 1.96 0.17 7.00 1.00 0.09

41 4.68 0.41 3.32 0.29 2.51 0.22 2.24 0.20 2.1 0.18 7.10 1.03 0.09

42 4.87 0.43 3.51 0.31 2.69 0.24 2.42 0.21 2.29 0.20 7.20 1.05 0.09

43 5.08 0.44 3.72 0.33 2.9 0.25 2.63 0.23 2.49 0.22 7.30 1.08 0.09

44 5.31 0.46 3.95 0.35 3.13 0.27 2.86 0.25 2.73 0.24 7.40 1.10 0.10

45 5.57 0.49 4.21 0.37 3.39 0.30 3.12 0.27 2.99 0.26 7.50 1.13 0.10

46 5.87 0.51 4.5 0.39 3.68 0.32 3.41 0.30 3.27 0.29 7.60 1.15 0.10

47 6.2 0.54 4.83 0.42 4.01 0.35 3.74 0.33 3.6 0.32 7.70 1.18 0.10

48 6.56 0.57 5.2 0.46 4.37 0.38 4.1 0.36 3.96 0.35 7.80 1.20 0.11

49 6.98 0.61 5.6 0.49 4.78 0.42 4.51 0.39 4.37 0.38 7.90 1.23 0.11

50 7.44 0.65 6.07 0.53 5.24 0.46 4.97 0.43 4.83 0.42 8.00 1.25 0.11

51 7.96 0.70 6.58 0.58 5.75 0.50 5.48 0.48 5.34 0.47 8.40 1.35 0.12

52 8.54 0.75 7.16 0.63 6.34 0.55 6.06 0.53 5.92 0.52 8.80 1.45 0.13

53 9.2 0.81 7.82 0.68 6.99 0.61 6.71 0.59 6.57 0.57 9.20 1.55 0.14

54 9.93 0.87 8.55 0.75 7.71 0.67 7.44 0.65 7.3 0.64 9.60 1.65 0.14

55 10.76 0.94 9.37 0.82 8.54 0.75 8.26 0.72 8.12 0.71 10.00 1.75 0.15

56 11.68 1.02 10.29 0.90 9.46 0.83 9.18 0.80 9.04 0.79 1.80 0.16

57 12.72 1.11 11.32 0.99 10.49 0.92 10.21 0.89 10.07 0.88 1.85 0.16

58 13.87 1.21 12.48 1.09 11.64 1.02 11.36 0.99 11.22 0.98 1.90 0.17

59 15.16 1.33 13.77 1.20 12.93 1.13 12.65 1.11 12.51 1.09 1.95 0.17

60 16.59 1.45 15.2 1.33 14.36 1.26 14.09 1.23 13.95 1.22 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMTRINIDAD PREMIUM RATES - MALE STANDARD

Total Disability

Premium Rate


20 4.81 0.42 3.46 0.30 2.64 0.23 1.76 0.15 1.62 0.14 6.00 1.00 0.09

21 4.81 0.42 3.46 0.30 2.64 0.23 1.76 0.15 1.62 0.14 6.00 1.00 0.09

22 4.81 0.42 3.46 0.30 2.64 0.23 1.76 0.15 1.62 0.14 6.00 1.00 0.09

23 4.81 0.42 3.46 0.30 2.64 0.23 1.76 0.15 1.63 0.14 6.00 1.00 0.09

24 4.81 0.42 3.46 0.30 2.64 0.23 1.79 0.16 1.66 0.15 6.00 1.00 0.09

25 4.81 0.42 3.46 0.30 2.64 0.23 1.84 0.16 1.71 0.15 6.00 1.00 0.09

26 4.81 0.42 3.46 0.30 2.64 0.23 1.91 0.17 1.77 0.15 6.00 1.00 0.09

27 4.81 0.42 3.46 0.30 2.64 0.23 2 0.18 1.85 0.16 6.00 1.00 0.09

28 4.81 0.42 3.46 0.30 2.64 0.23 2.1 0.18 1.94 0.17 6.00 1.00 0.09

29 4.81 0.42 3.46 0.30 2.64 0.23 2.21 0.19 2.04 0.18 6.00 1.00 0.09

30 4.81 0.42 3.46 0.30 2.64 0.23 2.22 0.19 2.09 0.18 6.00 1.00 0.09

31 4.81 0.42 3.46 0.30 2.64 0.23 2.37 0.21 2.23 0.20 6.10 1.00 0.09

32 4.98 0.44 3.62 0.32 2.81 0.25 2.53 0.22 2.4 0.21 6.20 1.00 0.09

33 5.17 0.45 3.81 0.33 2.99 0.26 2.72 0.24 2.59 0.23 6.30 1.00 0.09

34 5.38 0.47 4.02 0.35 3.2 0.28 2.93 0.26 2.8 0.25 6.40 1.00 0.09

35 5.63 0.49 4.27 0.37 3.45 0.30 3.18 0.28 3.04 0.27 6.50 1.00 0.09

36 5.91 0.52 4.55 0.40 3.73 0.33 3.46 0.30 3.32 0.29 6.60 1.00 0.09

37 6.24 0.55 4.87 0.43 4.05 0.35 3.78 0.33 3.64 0.32 6.70 1.00 0.09

38 6.62 0.58 5.25 0.46 4.43 0.39 4.15 0.36 4.02 0.35 6.80 1.00 0.09

39 7.05 0.62 5.67 0.50 4.85 0.42 4.58 0.40 4.44 0.39 6.90 1.00 0.09

40 7.53 0.66 6.16 0.54 5.33 0.47 5.06 0.44 4.92 0.43 7.00 1.00 0.09

41 8.08 0.71 6.7 0.59 5.87 0.51 5.59 0.49 5.45 0.48 7.10 1.03 0.09

42 8.68 0.76 7.3 0.64 6.47 0.57 6.19 0.54 6.05 0.53 7.20 1.05 0.09

43 9.35 0.82 7.96 0.70 7.12 0.62 6.85 0.60 6.71 0.59 7.30 1.08 0.09

44 10.09 0.88 8.69 0.76 7.85 0.69 7.57 0.66 7.43 0.65 7.40 1.10 0.10

45 10.89 0.95 9.49 0.83 8.65 0.76 8.37 0.73 8.23 0.72 7.50 1.13 0.10

46 11.78 1.03 10.37 0.91 9.53 0.83 9.24 0.81 9.1 0.80 7.60 1.15 0.10

47 12.75 1.12 11.34 0.99 10.49 0.92 10.2 0.89 10.06 0.88 7.70 1.18 0.10

48 13.81 1.21 12.39 1.08 11.53 1.01 11.25 0.98 11.1 0.97 7.80 1.20 0.11

49 14.96 1.31 13.53 1.18 12.67 1.11 12.38 1.08 12.23 1.07 7.90 1.23 0.11

50 16.22 1.42 14.77 1.29 13.9 1.22 13.61 1.19 13.47 1.18 8.00 1.25 0.11

51 17.58 1.54 16.12 1.41 15.24 1.33 14.95 1.31 14.81 1.30 8.40 1.35 0.12

52 19.05 1.67 17.58 1.54 16.7 1.46 16.41 1.44 16.26 1.42 8.80 1.45 0.13

53 20.64 1.81 19.16 1.68 18.27 1.60 17.98 1.57 17.83 1.56 9.20 1.55 0.14

54 22.36 1.96 20.87 1.83 19.97 1.75 19.68 1.72 19.53 1.71 9.60 1.65 0.14

55 24.22 2.12 22.71 1.99 21.81 1.91 21.5 1.88 21.35 1.87 10.00 1.75 0.15

56 26.21 2.29 24.69 2.16 23.78 2.08 23.48 2.05 23.32 2.04 1.80 0.16

57 28.35 2.48 26.82 2.35 25.9 2.27 25.59 2.24 25.44 2.23 1.85 0.16

58 30.65 2.68 29.1 2.55 28.17 2.46 27.86 2.44 27.71 2.42 1.90 0.17

59 33.1 2.90 31.54 2.76 30.61 2.68 30.3 2.65 30.14 2.64 1.95 0.17

60 35.72 3.13 34.15 2.99 33.21 2.91 32.89 2.88 32.74 2.86 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMTRINIDAD PREMIUM RATES - FEMALE PREFERRED

Total Disability

Premium Rate


20 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

21 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

22 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

23 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

24 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

25 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

26 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

27 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

28 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

29 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

30 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.00 1.00 0.09

31 3.4 0.30 2.01 0.18 1.23 0.11 1.04 0.09 0.95 0.08 9.20 1.00 0.09

32 3.4 0.30 2.05 0.18 1.27 0.11 1.08 0.09 0.99 0.09 9.30 1.00 0.09

33 3.45 0.30 2.11 0.18 1.32 0.12 1.13 0.10 1.03 0.09 9.50 1.00 0.09

34 3.51 0.31 2.16 0.19 1.37 0.12 1.18 0.10 1.09 0.10 9.60 1.00 0.09

35 3.58 0.31 2.23 0.20 1.43 0.13 1.24 0.11 1.14 0.10 9.80 1.00 0.09

36 3.65 0.32 2.3 0.20 1.49 0.13 1.3 0.11 1.21 0.11 9.90 1.00 0.09

37 3.73 0.33 2.38 0.21 1.57 0.14 1.37 0.12 1.28 0.11 10.10 1.00 0.09

38 3.82 0.33 2.47 0.22 1.66 0.15 1.45 0.13 1.36 0.12 10.20 1.00 0.09

39 3.92 0.34 2.57 0.22 1.76 0.15 1.53 0.13 1.44 0.13 10.40 1.00 0.09

40 4.02 0.35 2.67 0.23 1.86 0.16 1.63 0.14 1.53 0.13 10.50 1.00 0.09

41 4.14 0.36 2.79 0.24 1.97 0.17 1.73 0.15 1.64 0.14 10.70 1.03 0.09

42 4.27 0.37 2.91 0.25 2.1 0.18 1.84 0.16 1.75 0.15 10.80 1.05 0.09

43 4.41 0.39 3.05 0.27 2.24 0.20 1.97 0.17 1.87 0.16 11.00 1.08 0.09

44 4.57 0.40 3.21 0.28 2.4 0.21 2.13 0.19 2.01 0.18 11.10 1.10 0.10

45 4.74 0.41 3.39 0.30 2.57 0.22 2.3 0.20 2.17 0.19 11.30 1.13 0.10

46 4.94 0.43 3.59 0.31 2.77 0.24 2.5 0.22 2.36 0.21 11.40 1.15 0.10

47 5.17 0.45 3.81 0.33 2.99 0.26 2.72 0.24 2.59 0.23 11.60 1.18 0.10

48 5.42 0.47 4.06 0.36 3.25 0.28 2.97 0.26 2.84 0.25 11.70 1.20 0.11

49 5.71 0.50 4.35 0.38 3.53 0.31 3.26 0.29 3.12 0.27 11.90 1.23 0.11

50 6.03 0.53 4.67 0.41 3.85 0.34 3.57 0.31 3.44 0.30 12.00 1.25 0.11

51 6.4 0.56 5.03 0.44 4.21 0.37 3.94 0.34 3.8 0.33 12.60 1.35 0.12

52 6.8 0.60 5.44 0.48 4.62 0.40 4.34 0.38 4.21 0.37 13.20 1.45 0.13

53 7.27 0.64 5.9 0.52 5.08 0.44 4.8 0.42 4.67 0.41 13.80 1.55 0.14

54 7.79 0.68 6.42 0.56 5.6 0.49 5.32 0.47 5.19 0.45 14.40 1.65 0.14

55 8.38 0.73 7.01 0.61 6.18 0.54 5.91 0.52 5.77 0.50 15.00 1.75 0.15

56 9.04 0.79 7.67 0.67 6.85 0.60 6.57 0.57 6.44 0.56 1.80 0.16

57 9.79 0.86 8.42 0.74 7.6 0.67 7.32 0.64 7.19 0.63 1.85 0.16

58 10.63 0.93 9.26 0.81 8.44 0.74 8.17 0.71 8.03 0.70 1.90 0.17

59 11.58 1.01 10.22 0.89 9.4 0.82 9.12 0.80 8.99 0.79 1.95 0.17

60 12.65 1.11 11.29 0.99 10.47 0.92 10.19 0.89 10.06 0.88 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMTRINIDAD PREMIUM RATES - FEMALE STANDARD

Total Disability

Premium Rate


20 4.27 0.37 2.91 0.25 2.1 0.18 1.08 0.09 0.95 0.08 9.00 1.00 0.09

21 4.27 0.37 2.91 0.25 2.1 0.18 1.1 0.10 0.98 0.09 9.00 1.00 0.09

22 4.27 0.37 2.91 0.25 2.1 0.18 1.14 0.10 1.02 0.09 9.00 1.00 0.09

23 4.27 0.37 2.91 0.25 2.1 0.18 1.18 0.10 1.06 0.09 9.00 1.00 0.09

24 4.27 0.37 2.91 0.25 2.1 0.18 1.24 0.11 1.12 0.10 9.00 1.00 0.09

25 4.27 0.37 2.91 0.25 2.1 0.18 1.31 0.11 1.19 0.10 9.00 1.00 0.09

26 4.27 0.37 2.91 0.25 2.1 0.18 1.39 0.12 1.27 0.11 9.00 1.00 0.09

27 4.27 0.37 2.91 0.25 2.1 0.18 1.48 0.13 1.36 0.12 9.00 1.00 0.09

28 4.27 0.37 2.91 0.25 2.1 0.18 1.58 0.14 1.46 0.13 9.00 1.00 0.09

29 4.27 0.37 2.91 0.25 2.1 0.18 1.68 0.15 1.56 0.14 9.00 1.00 0.09

30 4.27 0.37 2.91 0.25 2.1 0.18 1.71 0.15 1.62 0.14 9.00 1.00 0.09

31 4.27 0.37 2.91 0.25 2.1 0.18 1.83 0.16 1.74 0.15 9.20 1.00 0.09

32 4.42 0.39 3.07 0.27 2.26 0.20 1.99 0.17 1.87 0.16 9.30 1.00 0.09

33 4.59 0.40 3.23 0.28 2.42 0.21 2.15 0.19 2.01 0.18 9.50 1.00 0.09

34 4.78 0.42 3.42 0.30 2.61 0.23 2.33 0.20 2.2 0.19 9.60 1.00 0.09

35 4.98 0.44 3.62 0.32 2.81 0.25 2.54 0.22 2.4 0.21 9.80 1.00 0.09

36 5.21 0.46 3.85 0.34 3.03 0.27 2.76 0.24 2.62 0.23 9.90 1.00 0.09

37 5.45 0.48 4.09 0.36 3.27 0.29 3 0.26 2.86 0.25 10.10 1.00 0.09

38 5.72 0.50 4.36 0.38 3.54 0.31 3.26 0.29 3.13 0.27 10.20 1.00 0.09

39 6.01 0.53 4.64 0.41 3.82 0.33 3.55 0.31 3.41 0.30 10.40 1.00 0.09

40 6.32 0.55 4.95 0.43 4.13 0.36 3.86 0.34 3.72 0.33 10.50 1.00 0.09

41 6.65 0.58 5.28 0.46 4.46 0.39 4.18 0.37 4.04 0.35 10.70 1.03 0.09

42 7.01 0.61 5.64 0.49 4.81 0.42 4.54 0.40 4.4 0.39 10.80 1.05 0.09

43 7.4 0.65 6.02 0.53 5.19 0.45 4.92 0.43 4.78 0.42 11.00 1.08 0.09

44 7.82 0.68 6.44 0.56 5.61 0.49 5.33 0.47 5.19 0.45 11.10 1.10 0.10

45 8.28 0.72 6.89 0.60 6.06 0.53 5.78 0.51 5.64 0.49 11.30 1.13 0.10

46 8.77 0.77 7.38 0.65 6.55 0.57 6.27 0.55 6.13 0.54 11.40 1.15 0.10

47 9.31 0.81 7.92 0.69 7.08 0.62 6.8 0.60 6.66 0.58 11.60 1.18 0.10

48 9.9 0.87 8.51 0.74 7.67 0.67 7.39 0.65 7.25 0.63 11.70 1.20 0.11

49 10.55 0.92 9.14 0.80 8.3 0.73 8.02 0.70 7.88 0.69 11.90 1.23 0.11

50 11.25 0.98 9.84 0.86 8.99 0.79 8.71 0.76 8.57 0.75 12.00 1.25 0.11

51 12.01 1.05 10.6 0.93 9.75 0.85 9.47 0.83 9.33 0.82 12.60 1.35 0.12

52 12.85 1.12 11.43 1.00 10.57 0.92 10.29 0.90 10.15 0.89 13.20 1.45 0.13

53 13.76 1.20 12.33 1.08 11.48 1.00 11.19 0.98 11.05 0.97 13.80 1.55 0.14

54 14.75 1.29 13.32 1.17 12.46 1.09 12.17 1.06 12.03 1.05 14.40 1.65 0.14

55 15.84 1.39 14.4 1.26 13.54 1.18 13.25 1.16 13.11 1.15 15.00 1.75 0.15

56 17.02 1.49 15.58 1.36 14.71 1.29 14.43 1.26 14.28 1.25 1.80 0.16

57 18.31 1.60 16.86 1.48 15.99 1.40 15.7 1.37 15.56 1.36 1.85 0.16

58 19.72 1.73 18.27 1.60 17.39 1.52 17.1 1.50 16.96 1.48 1.90 0.17

59 21.25 1.86 19.79 1.73 18.92 1.66 18.63 1.63 18.48 1.62 1.95 0.17

60 22.92 2.01 21.46 1.88 20.58 1.80 20.29 1.78 20.15 1.76 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMTRINIDAD (US$) PREMIUM RATES - MALE PREFERRED

Total Disability

Premium Rate


20 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

21 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

22 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

23 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

24 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

25 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

26 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

27 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

28 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

29 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

30 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.00 1.00 0.09

31 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.10 1.00 0.09

32 4.57 0.40 2.89 0.25 1.92 0.17 1.68 0.15 1.56 0.14 6.20 1.00 0.09

33 4.57 0.40 2.95 0.26 1.98 0.17 1.73 0.15 1.62 0.14 6.30 1.00 0.09

34 4.64 0.41 3.02 0.26 2.05 0.18 1.79 0.16 1.68 0.15 6.40 1.00 0.09

35 4.73 0.41 3.11 0.27 2.14 0.19 1.86 0.16 1.75 0.15 6.50 1.00 0.09

36 4.82 0.42 3.20 0.28 2.23 0.20 1.94 0.17 1.84 0.16 6.60 1.00 0.09

37 4.94 0.43 3.32 0.29 2.34 0.20 2.05 0.18 1.93 0.17 6.70 1.00 0.09

38 5.08 0.44 3.46 0.30 2.48 0.22 2.17 0.19 2.05 0.18 6.80 1.00 0.09

39 5.23 0.46 3.61 0.32 2.64 0.23 2.30 0.20 2.20 0.19 6.90 1.00 0.09

40 5.41 0.47 3.78 0.33 2.81 0.25 2.48 0.22 2.35 0.21 7.00 1.00 0.09

41 5.62 0.49 3.98 0.35 3.01 0.26 2.69 0.24 2.52 0.22 7.10 1.03 0.09

42 5.84 0.51 4.21 0.37 3.23 0.28 2.90 0.25 2.75 0.24 7.20 1.05 0.09

43 6.10 0.53 4.46 0.39 3.48 0.30 3.16 0.28 2.99 0.26 7.30 1.08 0.09

44 6.37 0.56 4.74 0.41 3.76 0.33 3.43 0.30 3.28 0.29 7.40 1.10 0.10

45 6.68 0.58 5.05 0.44 4.07 0.36 3.74 0.33 3.59 0.31 7.50 1.13 0.10

46 7.04 0.62 5.40 0.47 4.42 0.39 4.09 0.36 3.92 0.34 7.60 1.15 0.10

47 7.44 0.65 5.80 0.51 4.81 0.42 4.49 0.39 4.32 0.38 7.70 1.18 0.10

48 7.87 0.69 6.24 0.55 5.24 0.46 4.92 0.43 4.75 0.42 7.80 1.20 0.11

49 8.38 0.73 6.72 0.59 5.74 0.50 5.41 0.47 5.24 0.46 7.90 1.23 0.11

50 8.93 0.78 7.28 0.64 6.29 0.55 5.96 0.52 5.80 0.51 8.00 1.25 0.11

51 9.55 0.84 7.90 0.69 6.90 0.60 6.58 0.58 6.41 0.56 8.40 1.35 0.12

52 10.25 0.90 8.59 0.75 7.61 0.67 7.27 0.64 7.10 0.62 8.80 1.45 0.13

53 11.04 0.97 9.38 0.82 8.39 0.73 8.05 0.70 7.88 0.69 9.20 1.55 0.14

54 11.92 1.04 10.26 0.90 9.25 0.81 8.93 0.78 8.76 0.77 9.60 1.65 0.14

55 12.91 1.13 11.24 0.98 10.25 0.90 9.91 0.87 9.74 0.85 10.00 1.75 0.15

56 14.02 1.23 12.35 1.08 11.35 0.99 11.02 0.96 10.85 0.95 1.80 0.16

57 15.26 1.34 13.58 1.19 12.59 1.10 12.25 1.07 12.08 1.06 1.85 0.16

58 16.64 1.46 14.98 1.31 13.97 1.22 13.63 1.19 13.46 1.18 1.90 0.17

59 18.19 1.59 16.52 1.45 15.52 1.36 15.18 1.33 15.01 1.31 1.95 0.17

60 19.91 1.74 18.24 1.60 17.23 1.51 16.91 1.48 16.74 1.46 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMTRINIDAD (US$) PREMIUM RATES - MALE STANDARD

Total Disability

Premium Rate


20 5.77 0.50 4.15 0.36 3.17 0.28 2.11 0.18 1.94 0.17 6.00 1.00 0.09

21 5.77 0.50 4.15 0.36 3.17 0.28 2.11 0.18 1.94 0.17 6.00 1.00 0.09

22 5.77 0.50 4.15 0.36 3.17 0.28 2.11 0.18 1.94 0.17 6.00 1.00 0.09

23 5.77 0.50 4.15 0.36 3.17 0.28 2.11 0.18 1.96 0.17 6.00 1.00 0.09

24 5.77 0.50 4.15 0.36 3.17 0.28 2.15 0.19 1.99 0.17 6.00 1.00 0.09

25 5.77 0.50 4.15 0.36 3.17 0.28 2.21 0.19 2.05 0.18 6.00 1.00 0.09

26 5.77 0.50 4.15 0.36 3.17 0.28 2.29 0.20 2.12 0.19 6.00 1.00 0.09

27 5.77 0.50 4.15 0.36 3.17 0.28 2.40 0.21 2.22 0.19 6.00 1.00 0.09

28 5.77 0.50 4.15 0.36 3.17 0.28 2.52 0.22 2.33 0.20 6.00 1.00 0.09

29 5.77 0.50 4.15 0.36 3.17 0.28 2.65 0.23 2.45 0.21 6.00 1.00 0.09

30 5.77 0.50 4.15 0.36 3.17 0.28 2.66 0.23 2.51 0.22 6.00 1.00 0.09

31 5.77 0.50 4.15 0.36 3.17 0.28 2.84 0.25 2.68 0.23 6.10 1.00 0.09

32 5.98 0.52 4.34 0.38 3.37 0.29 3.04 0.27 2.88 0.25 6.20 1.00 0.09

33 6.20 0.54 4.57 0.40 3.59 0.31 3.26 0.29 3.11 0.27 6.30 1.00 0.09

34 6.46 0.57 4.82 0.42 3.84 0.34 3.52 0.31 3.36 0.29 6.40 1.00 0.09

35 6.76 0.59 5.12 0.45 4.14 0.36 3.82 0.33 3.65 0.32 6.50 1.00 0.09

36 7.09 0.62 5.46 0.48 4.48 0.39 4.15 0.36 3.98 0.35 6.60 1.00 0.09

37 7.49 0.66 5.84 0.51 4.86 0.43 4.54 0.40 4.37 0.38 6.70 1.00 0.09

38 7.94 0.69 6.30 0.55 5.32 0.47 4.98 0.44 4.82 0.42 6.80 1.00 0.09

39 8.46 0.74 6.80 0.60 5.82 0.51 5.50 0.48 5.33 0.47 6.90 1.00 0.09

40 9.04 0.79 7.39 0.65 6.40 0.56 6.07 0.53 5.90 0.52 7.00 1.00 0.09

41 9.70 0.85 8.04 0.70 7.04 0.62 6.71 0.59 6.54 0.57 7.10 1.03 0.09

42 10.42 0.91 8.76 0.77 7.76 0.68 7.43 0.65 7.26 0.64 7.20 1.05 0.09

43 11.22 0.98 9.55 0.84 8.54 0.75 8.22 0.72 8.05 0.70 7.30 1.08 0.09

44 12.11 1.06 10.43 0.91 9.42 0.82 9.08 0.79 8.92 0.78 7.40 1.10 0.10

45 13.07 1.14 11.39 1.00 10.38 0.91 10.04 0.88 9.88 0.86 7.50 1.13 0.10

46 14.14 1.24 12.44 1.09 11.44 1.00 11.09 0.97 10.92 0.96 7.60 1.15 0.10

47 15.30 1.34 13.61 1.19 12.59 1.10 12.24 1.07 12.07 1.06 7.70 1.18 0.10

48 16.57 1.45 14.87 1.30 13.84 1.21 13.50 1.18 13.32 1.17 7.80 1.20 0.11

49 17.95 1.57 16.24 1.42 15.20 1.33 14.86 1.30 14.68 1.28 7.90 1.23 0.11

50 19.46 1.70 17.72 1.55 16.68 1.46 16.33 1.43 16.16 1.41 8.00 1.25 0.11

51 21.10 1.85 19.34 1.69 18.29 1.60 17.94 1.57 17.77 1.55 8.40 1.35 0.12

52 22.86 2.00 21.10 1.85 20.04 1.75 19.69 1.72 19.51 1.71 8.80 1.45 0.13

53 24.77 2.17 22.99 2.01 21.92 1.92 21.58 1.89 21.40 1.87 9.20 1.55 0.14

54 26.83 2.35 25.04 2.19 23.96 2.10 23.62 2.07 23.44 2.05 9.60 1.65 0.14

55 29.06 2.54 27.25 2.38 26.17 2.29 25.80 2.26 25.62 2.24 10.00 1.75 0.15

56 31.45 2.75 29.63 2.59 28.54 2.50 28.18 2.47 27.98 2.45 1.80 0.16

57 34.02 2.98 32.18 2.82 31.08 2.72 30.71 2.69 30.53 2.67 1.85 0.16

58 36.78 3.22 34.92 3.06 33.80 2.96 33.43 2.93 33.25 2.91 1.90 0.17

59 39.72 3.48 37.85 3.31 36.73 3.21 36.36 3.18 36.17 3.16 1.95 0.17

60 42.86 3.75 40.98 3.59 39.85 3.49 39.47 3.45 39.29 3.44 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMTRINIDAD (US$) PREMIUM RATES - FEMALE PREFERRED

Total Disability

Premium Rate


20 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

21 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

22 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

23 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

24 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

25 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

26 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

27 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

28 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

29 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

30 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.00 1.00 0.09

31 4.08 0.36 2.41 0.21 1.48 0.13 1.25 0.11 1.14 0.10 9.20 1.00 0.09

32 4.08 0.36 2.46 0.22 1.52 0.13 1.30 0.11 1.19 0.10 9.30 1.00 0.09

33 4.14 0.36 2.53 0.22 1.58 0.14 1.36 0.12 1.24 0.11 9.50 1.00 0.09

34 4.21 0.37 2.59 0.23 1.64 0.14 1.42 0.12 1.31 0.11 9.60 1.00 0.09

35 4.30 0.38 2.68 0.23 1.72 0.15 1.49 0.13 1.37 0.12 9.80 1.00 0.09

36 4.38 0.38 2.76 0.24 1.79 0.16 1.56 0.14 1.45 0.13 9.90 1.00 0.09

37 4.48 0.39 2.86 0.25 1.88 0.16 1.64 0.14 1.54 0.13 10.10 1.00 0.09

38 4.58 0.40 2.96 0.26 1.99 0.17 1.74 0.15 1.63 0.14 10.20 1.00 0.09

39 4.70 0.41 3.08 0.27 2.11 0.18 1.84 0.16 1.73 0.15 10.40 1.00 0.09

40 4.82 0.42 3.20 0.28 2.23 0.20 1.96 0.17 1.84 0.16 10.50 1.00 0.09

41 4.97 0.43 3.35 0.29 2.36 0.21 2.08 0.18 1.97 0.17 10.70 1.03 0.09

42 5.12 0.45 3.49 0.31 2.52 0.22 2.21 0.19 2.10 0.18 10.80 1.05 0.09

43 5.29 0.46 3.66 0.32 2.69 0.24 2.36 0.21 2.24 0.20 11.00 1.08 0.09

44 5.48 0.48 3.85 0.34 2.88 0.25 2.56 0.22 2.41 0.21 11.10 1.10 0.10

45 5.69 0.50 4.07 0.36 3.08 0.27 2.76 0.24 2.60 0.23 11.30 1.13 0.10

46 5.93 0.52 4.31 0.38 3.32 0.29 3.00 0.26 2.83 0.25 11.40 1.15 0.10

47 6.20 0.54 4.57 0.40 3.59 0.31 3.26 0.29 3.11 0.27 11.60 1.18 0.10

48 6.50 0.57 4.87 0.43 3.90 0.34 3.56 0.31 3.41 0.30 11.70 1.20 0.11

49 6.85 0.60 5.22 0.46 4.24 0.37 3.91 0.34 3.74 0.33 11.90 1.23 0.11

50 7.24 0.63 5.60 0.49 4.62 0.40 4.28 0.37 4.13 0.36 12.00 1.25 0.11

51 7.68 0.67 6.04 0.53 5.05 0.44 4.73 0.41 4.56 0.40 12.60 1.35 0.12

52 8.16 0.71 6.53 0.57 5.54 0.48 5.21 0.46 5.05 0.44 13.20 1.45 0.13

53 8.72 0.76 7.08 0.62 6.10 0.53 5.76 0.50 5.60 0.49 13.80 1.55 0.14

54 9.35 0.82 7.70 0.67 6.72 0.59 6.38 0.56 6.23 0.55 14.40 1.65 0.14

55 10.06 0.88 8.41 0.74 7.42 0.65 7.09 0.62 6.92 0.61 15.00 1.75 0.15

56 10.85 0.95 9.20 0.81 8.22 0.72 7.88 0.69 7.73 0.68 1.80 0.16

57 11.75 1.03 10.10 0.88 9.12 0.80 8.78 0.77 8.63 0.76 1.85 0.16

58 12.76 1.12 11.11 0.97 10.13 0.89 9.80 0.86 9.64 0.84 1.90 0.17

59 13.90 1.22 12.26 1.07 11.28 0.99 10.94 0.96 10.79 0.94 1.95 0.17

60 15.18 1.33 13.55 1.19 12.56 1.10 12.23 1.07 12.07 1.06 2.00 0.18




Sagicor Life Inc 20 YEAR CONVERTIBLE TERMTRINIDAD (US$) PREMIUM RATES - FEMALE STANDARD

Total Disability

Premium Rate


20 5.12 0.45 3.49 0.31 2.52 0.22 1.30 0.11 1.14 0.10 9.00 1.00 0.09

21 5.12 0.45 3.49 0.31 2.52 0.22 1.32 0.12 1.18 0.10 9.00 1.00 0.09

22 5.12 0.45 3.49 0.31 2.52 0.22 1.37 0.12 1.22 0.11 9.00 1.00 0.09

23 5.12 0.45 3.49 0.31 2.52 0.22 1.42 0.12 1.27 0.11 9.00 1.00 0.09

24 5.12 0.45 3.49 0.31 2.52 0.22 1.49 0.13 1.34 0.12 9.00 1.00 0.09

25 5.12 0.45 3.49 0.31 2.52 0.22 1.57 0.14 1.43 0.13 9.00 1.00 0.09

26 5.12 0.45 3.49 0.31 2.52 0.22 1.67 0.15 1.52 0.13 9.00 1.00 0.09

27 5.12 0.45 3.49 0.31 2.52 0.22 1.78 0.16 1.63 0.14 9.00 1.00 0.09

28 5.12 0.45 3.49 0.31 2.52 0.22 1.90 0.17 1.75 0.15 9.00 1.00 0.09

29 5.12 0.45 3.49 0.31 2.52 0.22 2.02 0.18 1.87 0.16 9.00 1.00 0.09

30 5.12 0.45 3.49 0.31 2.52 0.22 2.05 0.18 1.94 0.17 9.00 1.00 0.09

31 5.12 0.45 3.49 0.31 2.52 0.22 2.20 0.19 2.09 0.18 9.20 1.00 0.09

32 5.30 0.46 3.68 0.32 2.71 0.24 2.39 0.21 2.24 0.20 9.30 1.00 0.09

33 5.51 0.48 3.88 0.34 2.90 0.25 2.58 0.23 2.41 0.21 9.50 1.00 0.09

34 5.74 0.50 4.10 0.36 3.13 0.27 2.80 0.25 2.64 0.23 9.60 1.00 0.09

35 5.98 0.52 4.34 0.38 3.37 0.29 3.05 0.27 2.88 0.25 9.80 1.00 0.09

36 6.25 0.55 4.62 0.40 3.64 0.32 3.31 0.29 3.14 0.27 9.90 1.00 0.09

37 6.54 0.57 4.91 0.43 3.92 0.34 3.60 0.32 3.43 0.30 10.10 1.00 0.09

38 6.86 0.60 5.23 0.46 4.25 0.37 3.91 0.34 3.76 0.33 10.20 1.00 0.09

39 7.21 0.63 5.57 0.49 4.58 0.40 4.26 0.37 4.09 0.36 10.40 1.00 0.09

40 7.58 0.66 5.94 0.52 4.96 0.43 4.63 0.41 4.46 0.39 10.50 1.00 0.09

41 7.98 0.70 6.34 0.55 5.35 0.47 5.02 0.44 4.85 0.42 10.70 1.03 0.09

42 8.41 0.74 6.77 0.59 5.77 0.50 5.45 0.48 5.28 0.46 10.80 1.05 0.09

43 8.88 0.78 7.22 0.63 6.23 0.55 5.90 0.52 5.74 0.50 11.00 1.08 0.09

44 9.38 0.82 7.73 0.68 6.73 0.59 6.40 0.56 6.23 0.55 11.10 1.10 0.10

45 9.94 0.87 8.27 0.72 7.27 0.64 6.94 0.61 6.77 0.59 11.30 1.13 0.10

46 10.52 0.92 8.86 0.78 7.86 0.69 7.52 0.66 7.36 0.64 11.40 1.15 0.10

47 11.17 0.98 9.50 0.83 8.50 0.74 8.16 0.71 7.99 0.70 11.60 1.18 0.10

48 11.88 1.04 10.21 0.89 9.20 0.81 8.87 0.78 8.70 0.76 11.70 1.20 0.11

49 12.66 1.11 10.97 0.96 9.96 0.87 9.62 0.84 9.46 0.83 11.90 1.23 0.11

50 13.50 1.18 11.81 1.03 10.79 0.94 10.45 0.91 10.28 0.90 12.00 1.25 0.11

51 14.41 1.26 12.72 1.11 11.70 1.02 11.36 0.99 11.20 0.98 12.60 1.35 0.12

52 15.42 1.35 13.72 1.20 12.68 1.11 12.35 1.08 12.18 1.07 13.20 1.45 0.13

53 16.51 1.44 14.80 1.30 13.78 1.21 13.43 1.18 13.26 1.16 13.80 1.55 0.14

54 17.70 1.55 15.98 1.40 14.95 1.31 14.60 1.28 14.44 1.26 14.40 1.65 0.14

55 19.01 1.66 17.28 1.51 16.25 1.42 15.90 1.39 15.73 1.38 15.00 1.75 0.15

56 20.42 1.79 18.70 1.64 17.65 1.54 17.32 1.52 17.14 1.50 1.80 0.16

57 21.97 1.92 20.23 1.77 19.19 1.68 18.84 1.65 18.67 1.63 1.85 0.16

58 23.66 2.07 21.92 1.92 20.87 1.83 20.52 1.80 20.35 1.78 1.90 0.17

59 25.50 2.23 23.75 2.08 22.70 1.99 22.36 1.96 22.18 1.94 1.95 0.17

60 27.50 2.41 25.75 2.25 24.70 2.16 24.35 2.13 24.18 2.12 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65BARBADOS PREMIUM RATES - MALE PREFERRED

Total Disability

Premium Rate


20 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

21 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

22 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

23 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

24 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

25 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

26 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

27 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

28 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

29 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

30 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

31 4.35 0.38 2.89 0.25 2.10 0.18 1.90 0.17 1.82 0.16 6.10 1.00 0.09

32 4.35 0.38 2.95 0.26 2.17 0.19 1.97 0.17 1.87 0.16 6.20 1.00 0.09

33 4.35 0.38 3.03 0.27 2.23 0.20 2.02 0.18 1.94 0.17 6.30 1.00 0.09

34 4.42 0.39 3.09 0.27 2.30 0.20 2.09 0.18 2.00 0.18 6.40 1.00 0.09

35 4.51 0.39 3.18 0.28 2.38 0.21 2.16 0.19 2.07 0.18 6.50 1.00 0.09

36 4.61 0.40 3.27 0.29 2.46 0.22 2.23 0.20 2.15 0.19 6.60 1.00 0.09

37 4.72 0.41 3.37 0.29 2.56 0.22 2.32 0.20 2.22 0.19 6.70 1.00 0.09

38 4.84 0.42 3.49 0.31 2.67 0.23 2.41 0.21 2.32 0.20 6.80 1.00 0.09

39 4.98 0.44 3.61 0.32 2.79 0.24 2.52 0.22 2.42 0.21 6.90 1.00 0.09

40 5.14 0.45 3.75 0.33 2.93 0.26 2.65 0.23 2.53 0.22 7.00 1.00 0.09

41 5.30 0.46 3.91 0.34 3.07 0.27 2.78 0.24 2.65 0.23 7.10 1.03 0.09

42 5.49 0.48 4.07 0.36 3.21 0.28 2.94 0.26 2.79 0.24 7.20 1.05 0.09

43 5.69 0.50 4.25 0.37 3.38 0.30 3.09 0.27 2.95 0.26 7.30 1.08 0.09

44 5.90 0.52 4.43 0.39 3.55 0.31 3.26 0.29 3.11 0.27 7.40 1.10 0.10

45 6.13 0.54 4.63 0.41 3.73 0.33 3.43 0.30 3.29 0.29 7.50 1.13 0.10

46 6.38 0.56 4.85 0.42 3.93 0.34 3.62 0.32 3.47 0.30 7.60 1.15 0.10

47 6.66 0.58 5.08 0.44 4.13 0.36 3.82 0.33 3.65 0.32 7.70 1.18 0.10

48 6.95 0.61 5.32 0.47 4.35 0.38 4.02 0.35 3.85 0.34 7.80 1.20 0.11

49 7.27 0.64 5.58 0.49 4.57 0.40 4.22 0.37 4.06 0.36 7.90 1.23 0.11

50 7.63 0.67 5.86 0.51 4.80 0.42 4.44 0.39 4.27 0.37 8.00 1.25 0.11

51 8.02 0.70 6.16 0.54 5.04 0.44 4.66 0.41 4.49 0.39 8.40 1.35 0.12

52 8.47 0.74 6.50 0.57 5.31 0.46 4.92 0.43 4.72 0.41 8.80 1.45 0.13

53 9.00 0.79 6.89 0.60 5.61 0.49 5.19 0.45 4.98 0.44 9.20 1.55 0.14

54 9.61 0.84 7.33 0.64 5.95 0.52 5.49 0.48 5.26 0.46 9.60 1.65 0.14

55 10.37 0.91 7.85 0.69 6.34 0.55 5.83 0.51 5.58 0.49 10.00 1.75 0.15

56 10.96 0.96 8.50 0.74 6.81 0.60 6.24 0.55 5.96 0.52 1.80 0.16

57 11.57 1.01 9.34 0.82 7.39 0.65 6.74 0.59 6.41 0.56 1.85 0.16

58 12.28 1.07 10.14 0.89 8.17 0.71 7.40 0.65 7.02 0.61 1.90 0.17

59 13.09 1.15 10.78 0.94 9.28 0.81 8.33 0.73 7.85 0.69 1.95 0.17

60 14.06 1.23 11.52 1.01 9.99 0.87 9.48 0.83 9.22 0.81 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65BARBADOS PREMIUM RATES - MALE STANDARD

Total Disability

Premium Rate


20 6.39 0.56 5.07 0.44 2.98 0.26 2.66 0.23 2.55 0.22 6.00 1.00 0.09

21 6.39 0.56 5.07 0.44 3.04 0.27 2.72 0.24 2.61 0.23 6.00 1.00 0.09

22 6.39 0.56 5.07 0.44 3.10 0.27 2.78 0.24 2.66 0.23 6.00 1.00 0.09

23 6.39 0.56 5.07 0.44 3.18 0.28 2.86 0.25 2.74 0.24 6.00 1.00 0.09

24 6.39 0.56 5.07 0.44 3.29 0.29 2.97 0.26 2.84 0.25 6.00 1.00 0.09

25 6.39 0.56 5.07 0.44 3.41 0.30 3.09 0.27 2.95 0.26 6.00 1.00 0.09

26 6.39 0.56 5.07 0.44 3.55 0.31 3.22 0.28 3.08 0.27 6.00 1.00 0.09

27 6.39 0.56 5.07 0.44 3.70 0.32 3.38 0.30 3.22 0.28 6.00 1.00 0.09

28 6.39 0.56 5.07 0.44 3.87 0.34 3.54 0.31 3.39 0.30 6.00 1.00 0.09

29 6.39 0.56 5.07 0.44 4.05 0.35 3.72 0.33 3.56 0.31 6.00 1.00 0.09

30 6.39 0.56 5.07 0.44 4.07 0.36 3.81 0.33 3.67 0.32 6.00 1.00 0.09

31 6.39 0.56 5.07 0.44 4.27 0.37 4.00 0.35 3.87 0.34 6.10 1.00 0.09

32 6.61 0.58 5.28 0.46 4.49 0.39 4.22 0.37 4.08 0.36 6.20 1.00 0.09

33 6.85 0.60 5.51 0.48 4.71 0.41 4.44 0.39 4.31 0.38 6.30 1.00 0.09

34 7.11 0.62 5.76 0.50 4.96 0.43 4.69 0.41 4.55 0.40 6.40 1.00 0.09

35 7.38 0.65 6.03 0.53 5.23 0.46 4.95 0.43 4.82 0.42 6.50 1.00 0.09

36 7.68 0.67 6.33 0.55 5.51 0.48 5.24 0.46 5.10 0.45 6.60 1.00 0.09

37 8.02 0.70 6.64 0.58 5.83 0.51 5.56 0.49 5.42 0.47 6.70 1.00 0.09

38 8.38 0.73 7.01 0.61 6.18 0.54 5.91 0.52 5.76 0.50 6.80 1.00 0.09

39 8.79 0.77 7.39 0.65 6.56 0.57 6.28 0.55 6.14 0.54 6.90 1.00 0.09

40 9.23 0.81 7.82 0.68 6.97 0.61 6.69 0.59 6.55 0.57 7.00 1.00 0.09

41 9.70 0.85 8.27 0.72 7.41 0.65 7.13 0.62 6.99 0.61 7.10 1.03 0.09

42 10.22 0.89 8.77 0.77 7.90 0.69 7.60 0.67 7.46 0.65 7.20 1.05 0.09

43 10.77 0.94 9.28 0.81 8.40 0.74 8.11 0.71 7.95 0.70 7.30 1.08 0.09

44 11.35 0.99 9.85 0.86 8.94 0.78 8.65 0.76 8.49 0.74 7.40 1.10 0.10

45 11.98 1.05 10.44 0.91 9.52 0.83 9.21 0.81 9.05 0.79 7.50 1.13 0.10

46 12.65 1.11 11.07 0.97 10.12 0.89 9.80 0.86 9.65 0.84 7.60 1.15 0.10

47 13.37 1.17 11.74 1.03 10.76 0.94 10.43 0.91 10.26 0.90 7.70 1.18 0.10

48 14.11 1.23 12.43 1.09 11.42 1.00 11.08 0.97 10.91 0.95 7.80 1.20 0.11

49 14.91 1.30 13.15 1.15 12.10 1.06 11.75 1.03 11.57 1.01 7.90 1.23 0.11

50 15.74 1.38 13.90 1.22 12.80 1.12 12.43 1.09 12.25 1.07 8.00 1.25 0.11

51 16.63 1.46 14.71 1.29 13.54 1.18 13.16 1.15 12.97 1.13 8.40 1.35 0.12

52 17.62 1.54 15.58 1.36 14.34 1.25 13.94 1.22 13.73 1.20 8.80 1.45 0.13

53 18.71 1.64 16.51 1.44 15.19 1.33 14.75 1.29 14.54 1.27 9.20 1.55 0.14

54 19.94 1.74 17.57 1.54 16.14 1.41 15.65 1.37 15.42 1.35 9.60 1.65 0.14

55 21.36 1.87 18.74 1.64 17.18 1.50 16.65 1.46 16.39 1.43 10.00 1.75 0.15

56 23.08 2.02 20.15 1.76 18.39 1.61 17.81 1.56 17.51 1.53 1.80 0.16

57 25.22 2.21 21.86 1.91 19.84 1.74 19.17 1.68 18.84 1.65 1.85 0.16

58 27.59 2.41 24.13 2.11 21.75 1.90 20.96 1.83 20.56 1.80 1.90 0.17

59 29.24 2.56 26.79 2.34 24.40 2.14 23.41 2.05 22.91 2.00 1.95 0.17

60 31.12 2.72 28.42 2.49 26.81 2.35 26.28 2.30 26.00 2.28 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65BARBADOS PREMIUM RATES - FEMALE PREFERRED

Total Disability

Premium Rate


20 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 0.99 0.09 9.00 1.00 0.09

21 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.00 0.09 9.00 1.00 0.09

22 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.02 0.09 9.00 1.00 0.09

23 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.05 0.09 9.00 1.00 0.09

24 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.08 0.09 9.00 1.00 0.09

25 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.11 0.10 9.00 1.00 0.09

26 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.16 0.10 9.00 1.00 0.09

27 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.20 0.11 9.00 1.00 0.09

28 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.24 0.11 9.00 1.00 0.09

29 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.29 0.11 9.00 1.00 0.09

30 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.29 0.11 9.00 1.00 0.09

31 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.34 0.12 9.20 1.00 0.09

32 3.80 0.33 2.41 0.21 1.66 0.15 1.47 0.13 1.39 0.12 9.30 1.00 0.09

33 3.80 0.33 2.48 0.22 1.72 0.15 1.53 0.13 1.44 0.13 9.50 1.00 0.09

34 3.86 0.34 2.54 0.22 1.77 0.15 1.60 0.14 1.50 0.13 9.60 1.00 0.09

35 3.95 0.35 2.62 0.23 1.84 0.16 1.65 0.14 1.56 0.14 9.80 1.00 0.09

36 4.04 0.35 2.70 0.24 1.90 0.17 1.72 0.15 1.63 0.14 9.90 1.00 0.09

37 4.13 0.36 2.78 0.24 1.98 0.17 1.79 0.16 1.69 0.15 10.10 1.00 0.09

38 4.24 0.37 2.88 0.25 2.07 0.18 1.87 0.16 1.77 0.15 10.20 1.00 0.09

39 4.35 0.38 2.98 0.26 2.16 0.19 1.95 0.17 1.85 0.16 10.40 1.00 0.09

40 4.47 0.39 3.08 0.27 2.26 0.20 2.02 0.18 1.94 0.17 10.50 1.00 0.09

41 4.59 0.40 3.19 0.28 2.35 0.21 2.11 0.18 2.02 0.18 10.70 1.03 0.09

42 4.73 0.41 3.31 0.29 2.46 0.22 2.20 0.19 2.10 0.18 10.80 1.05 0.09

43 4.87 0.43 3.44 0.30 2.57 0.22 2.30 0.20 2.20 0.19 11.00 1.08 0.09

44 5.04 0.44 3.58 0.31 2.71 0.24 2.41 0.21 2.30 0.20 11.10 1.10 0.10

45 5.21 0.46 3.73 0.33 2.83 0.25 2.53 0.22 2.39 0.21 11.30 1.13 0.10

46 5.41 0.47 3.88 0.34 2.97 0.26 2.66 0.23 2.51 0.22 11.40 1.15 0.10

47 5.63 0.49 4.06 0.36 3.11 0.27 2.81 0.25 2.65 0.23 11.60 1.18 0.10

48 5.89 0.52 4.26 0.37 3.28 0.29 2.96 0.26 2.79 0.24 11.70 1.20 0.11

49 6.15 0.54 4.47 0.39 3.45 0.30 3.11 0.27 2.95 0.26 11.90 1.23 0.11

50 6.46 0.57 4.70 0.41 3.64 0.32 3.29 0.29 3.11 0.27 12.00 1.25 0.11

51 6.81 0.60 4.95 0.43 3.84 0.34 3.48 0.30 3.29 0.29 12.60 1.35 0.12

52 7.21 0.63 5.25 0.46 4.07 0.36 3.67 0.32 3.48 0.30 13.20 1.45 0.13

53 7.62 0.67 5.58 0.49 4.32 0.38 3.89 0.34 3.69 0.32 13.80 1.55 0.14

54 8.02 0.70 5.98 0.52 4.61 0.40 4.16 0.36 3.93 0.34 14.40 1.65 0.14

55 8.45 0.74 6.47 0.57 4.96 0.43 4.46 0.39 4.20 0.37 15.00 1.75 0.15

56 8.93 0.78 7.06 0.62 5.37 0.47 4.81 0.42 4.52 0.40 1.80 0.16

57 9.49 0.83 7.51 0.66 5.91 0.52 5.26 0.46 4.93 0.43 1.85 0.16

58 10.13 0.89 8.01 0.70 6.61 0.58 5.84 0.51 5.46 0.48 1.90 0.17

59 10.88 0.95 8.58 0.75 7.21 0.63 6.68 0.58 6.20 0.54 1.95 0.17

60 11.79 1.03 9.26 0.81 7.76 0.68 7.25 0.63 7.00 0.61 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65BARBADOS PREMIUM RATES - FEMALE STANDARD

Total Disability

Premium Rate


20 5.21 0.46 3.89 0.34 1.99 0.17 1.76 0.15 1.65 0.14 9.00 1.00 0.09

21 5.21 0.46 3.89 0.34 2.05 0.18 1.82 0.16 1.71 0.15 9.00 1.00 0.09

22 5.21 0.46 3.89 0.34 2.12 0.19 1.89 0.17 1.77 0.15 9.00 1.00 0.09

23 5.21 0.46 3.89 0.34 2.20 0.19 1.97 0.17 1.85 0.16 9.00 1.00 0.09

24 5.21 0.46 3.89 0.34 2.30 0.20 2.06 0.18 1.94 0.17 9.00 1.00 0.09

25 5.21 0.46 3.89 0.34 2.41 0.21 2.16 0.19 2.04 0.18 9.00 1.00 0.09

26 5.21 0.46 3.89 0.34 2.53 0.22 2.26 0.20 2.15 0.19 9.00 1.00 0.09

27 5.21 0.46 3.89 0.34 2.66 0.23 2.38 0.21 2.27 0.20 9.00 1.00 0.09

28 5.21 0.46 3.89 0.34 2.81 0.25 2.50 0.22 2.39 0.21 9.00 1.00 0.09

29 5.21 0.46 3.89 0.34 2.95 0.26 2.62 0.23 2.51 0.22 9.00 1.00 0.09

30 5.21 0.46 3.89 0.34 2.95 0.26 2.68 0.23 2.60 0.23 9.00 1.00 0.09

31 5.21 0.46 3.89 0.34 3.10 0.27 2.84 0.25 2.73 0.24 9.20 1.00 0.09

32 5.40 0.47 4.07 0.36 3.28 0.29 3.01 0.26 2.88 0.25 9.30 1.00 0.09

33 5.59 0.49 4.26 0.37 3.45 0.30 3.19 0.28 3.06 0.27 9.50 1.00 0.09

34 5.79 0.51 4.46 0.39 3.65 0.32 3.39 0.30 3.26 0.29 9.60 1.00 0.09

35 6.01 0.53 4.66 0.41 3.86 0.34 3.59 0.31 3.45 0.30 9.80 1.00 0.09

36 6.24 0.55 4.88 0.43 4.08 0.36 3.81 0.33 3.67 0.32 9.90 1.00 0.09

37 6.49 0.57 5.13 0.45 4.31 0.38 4.04 0.35 3.91 0.34 10.10 1.00 0.09

38 6.75 0.59 5.39 0.47 4.57 0.40 4.29 0.38 4.16 0.36 10.20 1.00 0.09

39 7.04 0.62 5.67 0.50 4.83 0.42 4.55 0.40 4.41 0.39 10.40 1.00 0.09

40 7.34 0.64 5.94 0.52 5.10 0.45 4.82 0.42 4.69 0.41 10.50 1.00 0.09

41 7.66 0.67 6.24 0.55 5.38 0.47 5.10 0.45 4.96 0.43 10.70 1.03 0.09

42 7.99 0.70 6.55 0.57 5.69 0.50 5.40 0.47 5.26 0.46 10.80 1.05 0.09

43 8.34 0.73 6.88 0.60 6.00 0.53 5.70 0.50 5.56 0.49 11.00 1.08 0.09

44 8.71 0.76 7.22 0.63 6.33 0.55 6.03 0.53 5.87 0.51 11.10 1.10 0.10

45 9.11 0.80 7.58 0.66 6.67 0.58 6.36 0.56 6.20 0.54 11.30 1.13 0.10

46 9.53 0.83 7.96 0.70 7.03 0.62 6.71 0.59 6.56 0.57 11.40 1.15 0.10

47 9.98 0.87 8.37 0.73 7.40 0.65 7.08 0.62 6.92 0.61 11.60 1.18 0.10

48 10.46 0.92 8.80 0.77 7.80 0.68 7.47 0.65 7.30 0.64 11.70 1.20 0.11

49 10.99 0.96 9.26 0.81 8.23 0.72 7.88 0.69 7.70 0.67 11.90 1.23 0.11

50 11.55 1.01 9.75 0.85 8.66 0.76 8.29 0.73 8.12 0.71 12.00 1.25 0.11

51 12.17 1.06 10.27 0.90 9.13 0.80 8.76 0.77 8.56 0.75 12.60 1.35 0.12

52 12.86 1.13 10.85 0.95 9.64 0.84 9.24 0.81 9.03 0.79 13.20 1.45 0.13

53 13.65 1.19 11.50 1.01 10.20 0.89 9.77 0.85 9.56 0.84 13.80 1.55 0.14

54 14.56 1.27 12.22 1.07 10.82 0.95 10.35 0.91 10.12 0.89 14.40 1.65 0.14

55 15.65 1.37 13.09 1.15 11.54 1.01 11.03 0.97 10.77 0.94 15.00 1.75 0.15

56 16.75 1.47 14.12 1.24 12.40 1.09 11.83 1.04 11.53 1.01 1.80 0.16

57 17.70 1.55 15.42 1.35 13.44 1.18 12.78 1.12 12.45 1.09 1.85 0.16

58 18.77 1.64 16.58 1.45 14.83 1.30 14.05 1.23 13.65 1.19 1.90 0.17

59 19.99 1.75 17.61 1.54 16.18 1.42 15.71 1.37 15.33 1.34 1.95 0.17

60 21.42 1.87 18.80 1.65 17.24 1.51 16.71 1.46 16.46 1.44 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65OECS PREMIUM RATES - MALE PREFERRED

Total Disability

Premium Rate


20 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

21 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

22 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

23 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

24 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

25 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

26 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

27 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

28 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

29 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

30 4.35 0.38 2.83 0.25 2.04 0.18 1.86 0.16 1.76 0.15 6.00 1.00 0.09

31 4.35 0.38 2.89 0.25 2.10 0.18 1.90 0.17 1.82 0.16 6.10 1.00 0.09

32 4.35 0.38 2.95 0.26 2.17 0.19 1.97 0.17 1.87 0.16 6.20 1.00 0.09

33 4.35 0.38 3.03 0.27 2.23 0.20 2.02 0.18 1.94 0.17 6.30 1.00 0.09

34 4.42 0.39 3.09 0.27 2.30 0.20 2.09 0.18 2.00 0.18 6.40 1.00 0.09

35 4.51 0.39 3.18 0.28 2.38 0.21 2.16 0.19 2.07 0.18 6.50 1.00 0.09

36 4.61 0.40 3.27 0.29 2.46 0.22 2.23 0.20 2.15 0.19 6.60 1.00 0.09

37 4.72 0.41 3.37 0.29 2.56 0.22 2.32 0.20 2.22 0.19 6.70 1.00 0.09

38 4.84 0.42 3.49 0.31 2.67 0.23 2.41 0.21 2.32 0.20 6.80 1.00 0.09

39 4.98 0.44 3.61 0.32 2.79 0.24 2.52 0.22 2.42 0.21 6.90 1.00 0.09

40 5.14 0.45 3.75 0.33 2.93 0.26 2.65 0.23 2.53 0.22 7.00 1.00 0.09

41 5.30 0.46 3.91 0.34 3.07 0.27 2.78 0.24 2.65 0.23 7.10 1.03 0.09

42 5.49 0.48 4.07 0.36 3.21 0.28 2.94 0.26 2.79 0.24 7.20 1.05 0.09

43 5.69 0.50 4.25 0.37 3.38 0.30 3.09 0.27 2.95 0.26 7.30 1.08 0.09

44 5.90 0.52 4.43 0.39 3.55 0.31 3.26 0.29 3.11 0.27 7.40 1.10 0.10

45 6.13 0.54 4.63 0.41 3.73 0.33 3.43 0.30 3.29 0.29 7.50 1.13 0.10

46 6.38 0.56 4.85 0.42 3.93 0.34 3.62 0.32 3.47 0.30 7.60 1.15 0.10

47 6.66 0.58 5.08 0.44 4.13 0.36 3.82 0.33 3.65 0.32 7.70 1.18 0.10

48 6.95 0.61 5.32 0.47 4.35 0.38 4.02 0.35 3.85 0.34 7.80 1.20 0.11

49 7.27 0.64 5.58 0.49 4.57 0.40 4.22 0.37 4.06 0.36 7.90 1.23 0.11

50 7.63 0.67 5.86 0.51 4.80 0.42 4.44 0.39 4.27 0.37 8.00 1.25 0.11

51 8.02 0.70 6.16 0.54 5.04 0.44 4.66 0.41 4.49 0.39 8.40 1.35 0.12

52 8.47 0.74 6.50 0.57 5.31 0.46 4.92 0.43 4.72 0.41 8.80 1.45 0.13

53 9.00 0.79 6.89 0.60 5.61 0.49 5.19 0.45 4.98 0.44 9.20 1.55 0.14

54 9.61 0.84 7.33 0.64 5.95 0.52 5.49 0.48 5.26 0.46 9.60 1.65 0.14

55 10.37 0.91 7.85 0.69 6.34 0.55 5.83 0.51 5.58 0.49 10.00 1.75 0.15

56 10.96 0.96 8.50 0.74 6.81 0.60 6.24 0.55 5.96 0.52 1.80 0.16

57 11.57 1.01 9.34 0.82 7.39 0.65 6.74 0.59 6.41 0.56 1.85 0.16

58 12.28 1.07 10.14 0.89 8.17 0.71 7.40 0.65 7.02 0.61 1.90 0.17

59 13.09 1.15 10.78 0.94 9.28 0.81 8.33 0.73 7.85 0.69 1.95 0.17

60 14.06 1.23 11.52 1.01 9.99 0.87 9.48 0.83 9.22 0.81 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65OECS PREMIUM RATES - MALE STANDARD

Total Disability

Premium Rate


20 6.39 0.56 5.07 0.44 2.98 0.26 2.66 0.23 2.55 0.22 6.00 1.00 0.09

21 6.39 0.56 5.07 0.44 3.04 0.27 2.72 0.24 2.61 0.23 6.00 1.00 0.09

22 6.39 0.56 5.07 0.44 3.10 0.27 2.78 0.24 2.66 0.23 6.00 1.00 0.09

23 6.39 0.56 5.07 0.44 3.18 0.28 2.86 0.25 2.74 0.24 6.00 1.00 0.09

24 6.39 0.56 5.07 0.44 3.29 0.29 2.97 0.26 2.84 0.25 6.00 1.00 0.09

25 6.39 0.56 5.07 0.44 3.41 0.30 3.09 0.27 2.95 0.26 6.00 1.00 0.09

26 6.39 0.56 5.07 0.44 3.55 0.31 3.22 0.28 3.08 0.27 6.00 1.00 0.09

27 6.39 0.56 5.07 0.44 3.70 0.32 3.38 0.30 3.22 0.28 6.00 1.00 0.09

28 6.39 0.56 5.07 0.44 3.87 0.34 3.54 0.31 3.39 0.30 6.00 1.00 0.09

29 6.39 0.56 5.07 0.44 4.05 0.35 3.72 0.33 3.56 0.31 6.00 1.00 0.09

30 6.39 0.56 5.07 0.44 4.07 0.36 3.81 0.33 3.67 0.32 6.00 1.00 0.09

31 6.39 0.56 5.07 0.44 4.27 0.37 4.00 0.35 3.87 0.34 6.10 1.00 0.09

32 6.61 0.58 5.28 0.46 4.49 0.39 4.22 0.37 4.08 0.36 6.20 1.00 0.09

33 6.85 0.60 5.51 0.48 4.71 0.41 4.44 0.39 4.31 0.38 6.30 1.00 0.09

34 7.11 0.62 5.76 0.50 4.96 0.43 4.69 0.41 4.55 0.40 6.40 1.00 0.09

35 7.38 0.65 6.03 0.53 5.23 0.46 4.95 0.43 4.82 0.42 6.50 1.00 0.09

36 7.68 0.67 6.33 0.55 5.51 0.48 5.24 0.46 5.10 0.45 6.60 1.00 0.09

37 8.02 0.70 6.64 0.58 5.83 0.51 5.56 0.49 5.42 0.47 6.70 1.00 0.09

38 8.38 0.73 7.01 0.61 6.18 0.54 5.91 0.52 5.76 0.50 6.80 1.00 0.09

39 8.79 0.77 7.39 0.65 6.56 0.57 6.28 0.55 6.14 0.54 6.90 1.00 0.09

40 9.23 0.81 7.82 0.68 6.97 0.61 6.69 0.59 6.55 0.57 7.00 1.00 0.09

41 9.70 0.85 8.27 0.72 7.41 0.65 7.13 0.62 6.99 0.61 7.10 1.03 0.09

42 10.22 0.89 8.77 0.77 7.90 0.69 7.60 0.67 7.46 0.65 7.20 1.05 0.09

43 10.77 0.94 9.28 0.81 8.40 0.74 8.11 0.71 7.95 0.70 7.30 1.08 0.09

44 11.35 0.99 9.85 0.86 8.94 0.78 8.65 0.76 8.49 0.74 7.40 1.10 0.10

45 11.98 1.05 10.44 0.91 9.52 0.83 9.21 0.81 9.05 0.79 7.50 1.13 0.10

46 12.65 1.11 11.07 0.97 10.12 0.89 9.80 0.86 9.65 0.84 7.60 1.15 0.10

47 13.37 1.17 11.74 1.03 10.76 0.94 10.43 0.91 10.26 0.90 7.70 1.18 0.10

48 14.11 1.23 12.43 1.09 11.42 1.00 11.08 0.97 10.91 0.95 7.80 1.20 0.11

49 14.91 1.30 13.15 1.15 12.10 1.06 11.75 1.03 11.57 1.01 7.90 1.23 0.11

50 15.74 1.38 13.90 1.22 12.80 1.12 12.43 1.09 12.25 1.07 8.00 1.25 0.11

51 16.63 1.46 14.71 1.29 13.54 1.18 13.16 1.15 12.97 1.13 8.40 1.35 0.12

52 17.62 1.54 15.58 1.36 14.34 1.25 13.94 1.22 13.73 1.20 8.80 1.45 0.13

53 18.71 1.64 16.51 1.44 15.19 1.33 14.75 1.29 14.54 1.27 9.20 1.55 0.14

54 19.94 1.74 17.57 1.54 16.14 1.41 15.65 1.37 15.42 1.35 9.60 1.65 0.14

55 21.36 1.87 18.74 1.64 17.18 1.50 16.65 1.46 16.39 1.43 10.00 1.75 0.15

56 23.08 2.02 20.15 1.76 18.39 1.61 17.81 1.56 17.51 1.53 1.80 0.16

57 25.22 2.21 21.86 1.91 19.84 1.74 19.17 1.68 18.84 1.65 1.85 0.16

58 27.59 2.41 24.13 2.11 21.75 1.90 20.96 1.83 20.56 1.80 1.90 0.17

59 29.24 2.56 26.79 2.34 24.40 2.14 23.41 2.05 22.91 2.00 1.95 0.17

60 31.12 2.72 28.42 2.49 26.81 2.35 26.28 2.30 26.00 2.28 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65OECS PREMIUM RATES - FEMALE PREFERRED

Total Disability

Premium Rate


20 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 0.99 0.09 9.00 1.00 0.09

21 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.00 0.09 9.00 1.00 0.09

22 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.02 0.09 9.00 1.00 0.09

23 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.05 0.09 9.00 1.00 0.09

24 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.08 0.09 9.00 1.00 0.09

25 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.11 0.10 9.00 1.00 0.09

26 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.16 0.10 9.00 1.00 0.09

27 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.20 0.11 9.00 1.00 0.09

28 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.24 0.11 9.00 1.00 0.09

29 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.29 0.11 9.00 1.00 0.09

30 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.29 0.11 9.00 1.00 0.09

31 3.80 0.33 2.35 0.21 1.61 0.14 1.43 0.13 1.34 0.12 9.20 1.00 0.09

32 3.80 0.33 2.41 0.21 1.66 0.15 1.47 0.13 1.39 0.12 9.30 1.00 0.09

33 3.80 0.33 2.48 0.22 1.72 0.15 1.53 0.13 1.44 0.13 9.50 1.00 0.09

34 3.86 0.34 2.54 0.22 1.77 0.15 1.60 0.14 1.50 0.13 9.60 1.00 0.09

35 3.95 0.35 2.62 0.23 1.84 0.16 1.65 0.14 1.56 0.14 9.80 1.00 0.09

36 4.04 0.35 2.70 0.24 1.90 0.17 1.72 0.15 1.63 0.14 9.90 1.00 0.09

37 4.13 0.36 2.78 0.24 1.98 0.17 1.79 0.16 1.69 0.15 10.10 1.00 0.09

38 4.24 0.37 2.88 0.25 2.07 0.18 1.87 0.16 1.77 0.15 10.20 1.00 0.09

39 4.35 0.38 2.98 0.26 2.16 0.19 1.95 0.17 1.85 0.16 10.40 1.00 0.09

40 4.47 0.39 3.08 0.27 2.26 0.20 2.02 0.18 1.94 0.17 10.50 1.00 0.09

41 4.59 0.40 3.19 0.28 2.35 0.21 2.11 0.18 2.02 0.18 10.70 1.03 0.09

42 4.73 0.41 3.31 0.29 2.46 0.22 2.20 0.19 2.10 0.18 10.80 1.05 0.09

43 4.87 0.43 3.44 0.30 2.57 0.22 2.30 0.20 2.20 0.19 11.00 1.08 0.09

44 5.04 0.44 3.58 0.31 2.71 0.24 2.41 0.21 2.30 0.20 11.10 1.10 0.10

45 5.21 0.46 3.73 0.33 2.83 0.25 2.53 0.22 2.39 0.21 11.30 1.13 0.10

46 5.41 0.47 3.88 0.34 2.97 0.26 2.66 0.23 2.51 0.22 11.40 1.15 0.10

47 5.63 0.49 4.06 0.36 3.11 0.27 2.81 0.25 2.65 0.23 11.60 1.18 0.10

48 5.89 0.52 4.26 0.37 3.28 0.29 2.96 0.26 2.79 0.24 11.70 1.20 0.11

49 6.15 0.54 4.47 0.39 3.45 0.30 3.11 0.27 2.95 0.26 11.90 1.23 0.11

50 6.46 0.57 4.70 0.41 3.64 0.32 3.29 0.29 3.11 0.27 12.00 1.25 0.11

51 6.81 0.60 4.95 0.43 3.84 0.34 3.48 0.30 3.29 0.29 12.60 1.35 0.12

52 7.21 0.63 5.25 0.46 4.07 0.36 3.67 0.32 3.48 0.30 13.20 1.45 0.13

53 7.62 0.67 5.58 0.49 4.32 0.38 3.89 0.34 3.69 0.32 13.80 1.55 0.14

54 8.02 0.70 5.98 0.52 4.61 0.40 4.16 0.36 3.93 0.34 14.40 1.65 0.14

55 8.45 0.74 6.47 0.57 4.96 0.43 4.46 0.39 4.20 0.37 15.00 1.75 0.15

56 8.93 0.78 7.06 0.62 5.37 0.47 4.81 0.42 4.52 0.40 1.80 0.16

57 9.49 0.83 7.51 0.66 5.91 0.52 5.26 0.46 4.93 0.43 1.85 0.16

58 10.13 0.89 8.01 0.70 6.61 0.58 5.84 0.51 5.46 0.48 1.90 0.17

59 10.88 0.95 8.58 0.75 7.21 0.63 6.68 0.58 6.20 0.54 1.95 0.17

60 11.79 1.03 9.26 0.81 7.76 0.68 7.25 0.63 7.00 0.61 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65OECS PREMIUM RATES - FEMALE STANDARD

Total Disability

Premium Rate


20 5.21 0.46 3.89 0.34 1.99 0.17 1.76 0.15 1.65 0.14 9.00 1.00 0.09

21 5.21 0.46 3.89 0.34 2.05 0.18 1.82 0.16 1.71 0.15 9.00 1.00 0.09

22 5.21 0.46 3.89 0.34 2.12 0.19 1.89 0.17 1.77 0.15 9.00 1.00 0.09

23 5.21 0.46 3.89 0.34 2.20 0.19 1.97 0.17 1.85 0.16 9.00 1.00 0.09

24 5.21 0.46 3.89 0.34 2.30 0.20 2.06 0.18 1.94 0.17 9.00 1.00 0.09

25 5.21 0.46 3.89 0.34 2.41 0.21 2.16 0.19 2.04 0.18 9.00 1.00 0.09

26 5.21 0.46 3.89 0.34 2.53 0.22 2.26 0.20 2.15 0.19 9.00 1.00 0.09

27 5.21 0.46 3.89 0.34 2.66 0.23 2.38 0.21 2.27 0.20 9.00 1.00 0.09

28 5.21 0.46 3.89 0.34 2.81 0.25 2.50 0.22 2.39 0.21 9.00 1.00 0.09

29 5.21 0.46 3.89 0.34 2.95 0.26 2.62 0.23 2.51 0.22 9.00 1.00 0.09

30 5.21 0.46 3.89 0.34 2.95 0.26 2.68 0.23 2.60 0.23 9.00 1.00 0.09

31 5.21 0.46 3.89 0.34 3.10 0.27 2.84 0.25 2.73 0.24 9.20 1.00 0.09

32 5.40 0.47 4.07 0.36 3.28 0.29 3.01 0.26 2.88 0.25 9.30 1.00 0.09

33 5.59 0.49 4.26 0.37 3.45 0.30 3.19 0.28 3.06 0.27 9.50 1.00 0.09

34 5.79 0.51 4.46 0.39 3.65 0.32 3.39 0.30 3.26 0.29 9.60 1.00 0.09

35 6.01 0.53 4.66 0.41 3.86 0.34 3.59 0.31 3.45 0.30 9.80 1.00 0.09

36 6.24 0.55 4.88 0.43 4.08 0.36 3.81 0.33 3.67 0.32 9.90 1.00 0.09

37 6.49 0.57 5.13 0.45 4.31 0.38 4.04 0.35 3.91 0.34 10.10 1.00 0.09

38 6.75 0.59 5.39 0.47 4.57 0.40 4.29 0.38 4.16 0.36 10.20 1.00 0.09

39 7.04 0.62 5.67 0.50 4.83 0.42 4.55 0.40 4.41 0.39 10.40 1.00 0.09

40 7.34 0.64 5.94 0.52 5.10 0.45 4.82 0.42 4.69 0.41 10.50 1.00 0.09

41 7.66 0.67 6.24 0.55 5.38 0.47 5.10 0.45 4.96 0.43 10.70 1.03 0.09

42 7.99 0.70 6.55 0.57 5.69 0.50 5.40 0.47 5.26 0.46 10.80 1.05 0.09

43 8.34 0.73 6.88 0.60 6.00 0.53 5.70 0.50 5.56 0.49 11.00 1.08 0.09

44 8.71 0.76 7.22 0.63 6.33 0.55 6.03 0.53 5.87 0.51 11.10 1.10 0.10

45 9.11 0.80 7.58 0.66 6.67 0.58 6.36 0.56 6.20 0.54 11.30 1.13 0.10

46 9.53 0.83 7.96 0.70 7.03 0.62 6.71 0.59 6.56 0.57 11.40 1.15 0.10

47 9.98 0.87 8.37 0.73 7.40 0.65 7.08 0.62 6.92 0.61 11.60 1.18 0.10

48 10.46 0.92 8.80 0.77 7.80 0.68 7.47 0.65 7.30 0.64 11.70 1.20 0.11

49 10.99 0.96 9.26 0.81 8.23 0.72 7.88 0.69 7.70 0.67 11.90 1.23 0.11

50 11.55 1.01 9.75 0.85 8.66 0.76 8.29 0.73 8.12 0.71 12.00 1.25 0.11

51 12.17 1.06 10.27 0.90 9.13 0.80 8.76 0.77 8.56 0.75 12.60 1.35 0.12

52 12.86 1.13 10.85 0.95 9.64 0.84 9.24 0.81 9.03 0.79 13.20 1.45 0.13

53 13.65 1.19 11.50 1.01 10.20 0.89 9.77 0.85 9.56 0.84 13.80 1.55 0.14

54 14.56 1.27 12.22 1.07 10.82 0.95 10.35 0.91 10.12 0.89 14.40 1.65 0.14

55 15.65 1.37 13.09 1.15 11.54 1.01 11.03 0.97 10.77 0.94 15.00 1.75 0.15

56 16.75 1.47 14.12 1.24 12.40 1.09 11.83 1.04 11.53 1.01 1.80 0.16

57 17.70 1.55 15.42 1.35 13.44 1.18 12.78 1.12 12.45 1.09 1.85 0.16

58 18.77 1.64 16.58 1.45 14.83 1.30 14.05 1.23 13.65 1.19 1.90 0.17

59 19.99 1.75 17.61 1.54 16.18 1.42 15.71 1.37 15.33 1.34 1.95 0.17

60 21.42 1.87 18.80 1.65 17.24 1.51 16.71 1.46 16.46 1.44 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65TRINIDAD PREMIUM RATES - MALE PREFERRED

Total Disability

Premium Rate


20 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

21 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

22 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

23 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

24 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

25 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

26 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

27 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

28 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

29 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

30 3.95 0.35 2.57 0.22 1.85 0.16 1.69 0.15 1.60 0.14 6.00 1.00 0.09

31 3.95 0.35 2.63 0.23 1.91 0.17 1.73 0.15 1.65 0.14 6.10 1.00 0.09

32 3.95 0.35 2.68 0.23 1.97 0.17 1.79 0.16 1.70 0.15 6.20 1.00 0.09

33 3.95 0.35 2.75 0.24 2.03 0.18 1.84 0.16 1.76 0.15 6.30 1.00 0.09

34 4.02 0.35 2.81 0.25 2.09 0.18 1.90 0.17 1.82 0.16 6.40 1.00 0.09

35 4.10 0.36 2.89 0.25 2.16 0.19 1.96 0.17 1.88 0.16 6.50 1.00 0.09

36 4.19 0.37 2.97 0.26 2.24 0.20 2.03 0.18 1.95 0.17 6.60 1.00 0.09

37 4.29 0.38 3.06 0.27 2.33 0.20 2.11 0.18 2.02 0.18 6.70 1.00 0.09

38 4.40 0.39 3.17 0.28 2.43 0.21 2.19 0.19 2.11 0.18 6.80 1.00 0.09

39 4.53 0.40 3.28 0.29 2.54 0.22 2.29 0.20 2.20 0.19 6.90 1.00 0.09

40 4.67 0.41 3.41 0.30 2.66 0.23 2.41 0.21 2.30 0.20 7.00 1.00 0.09

41 4.82 0.42 3.55 0.31 2.79 0.24 2.53 0.22 2.41 0.21 7.10 1.03 0.09

42 4.99 0.44 3.70 0.32 2.92 0.26 2.67 0.23 2.54 0.22 7.20 1.05 0.09

43 5.17 0.45 3.86 0.34 3.07 0.27 2.81 0.25 2.68 0.23 7.30 1.08 0.09

44 5.36 0.47 4.03 0.35 3.23 0.28 2.96 0.26 2.83 0.25 7.40 1.10 0.10

45 5.57 0.49 4.21 0.37 3.39 0.30 3.12 0.27 2.99 0.26 7.50 1.13 0.10

46 5.80 0.51 4.41 0.39 3.57 0.31 3.29 0.29 3.15 0.28 7.60 1.15 0.10

47 6.05 0.53 4.62 0.40 3.75 0.33 3.47 0.30 3.32 0.29 7.70 1.18 0.10

48 6.32 0.55 4.84 0.42 3.95 0.35 3.65 0.32 3.50 0.31 7.80 1.20 0.11

49 6.61 0.58 5.07 0.44 4.15 0.36 3.84 0.34 3.69 0.32 7.90 1.23 0.11

50 6.94 0.61 5.33 0.47 4.36 0.38 4.04 0.35 3.88 0.34 8.00 1.25 0.11

51 7.29 0.64 5.60 0.49 4.58 0.40 4.24 0.37 4.08 0.36 8.40 1.35 0.12

52 7.70 0.67 5.91 0.52 4.83 0.42 4.47 0.39 4.29 0.38 8.80 1.45 0.13

53 8.18 0.72 6.26 0.55 5.10 0.45 4.72 0.41 4.53 0.40 9.20 1.55 0.14

54 8.74 0.76 6.66 0.58 5.41 0.47 4.99 0.44 4.78 0.42 9.60 1.65 0.14

55 9.43 0.83 7.14 0.62 5.76 0.50 5.30 0.46 5.07 0.44 10.00 1.75 0.15

56 9.96 0.87 7.73 0.68 6.19 0.54 5.67 0.50 5.42 0.47 1.80 0.16

57 10.52 0.92 8.49 0.74 6.72 0.59 6.13 0.54 5.83 0.51 1.85 0.16

58 11.16 0.98 9.22 0.81 7.43 0.65 6.73 0.59 6.38 0.56 1.90 0.17

59 11.90 1.04 9.80 0.86 8.44 0.74 7.57 0.66 7.14 0.62 1.95 0.17

60 12.78 1.12 10.47 0.92 9.08 0.79 8.62 0.75 8.38 0.73 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65TRINIDAD PREMIUM RATES - MALE STANDARD

Total Disability

Premium Rate


20 5.81 0.51 4.61 0.40 2.71 0.24 2.42 0.21 2.32 0.20 6.00 1.00 0.09

21 5.81 0.51 4.61 0.40 2.76 0.24 2.47 0.22 2.37 0.21 6.00 1.00 0.09

22 5.81 0.51 4.61 0.40 2.82 0.25 2.53 0.22 2.42 0.21 6.00 1.00 0.09

23 5.81 0.51 4.61 0.40 2.89 0.25 2.60 0.23 2.49 0.22 6.00 1.00 0.09

24 5.81 0.51 4.61 0.40 2.99 0.26 2.70 0.24 2.58 0.23 6.00 1.00 0.09

25 5.81 0.51 4.61 0.40 3.10 0.27 2.81 0.25 2.68 0.23 6.00 1.00 0.09

26 5.81 0.51 4.61 0.40 3.23 0.28 2.93 0.26 2.80 0.25 6.00 1.00 0.09

27 5.81 0.51 4.61 0.40 3.36 0.29 3.07 0.27 2.93 0.26 6.00 1.00 0.09

28 5.81 0.51 4.61 0.40 3.52 0.31 3.22 0.28 3.08 0.27 6.00 1.00 0.09

29 5.81 0.51 4.61 0.40 3.68 0.32 3.38 0.30 3.24 0.28 6.00 1.00 0.09

30 5.81 0.51 4.61 0.40 3.70 0.32 3.46 0.30 3.34 0.29 6.00 1.00 0.09

31 5.81 0.51 4.61 0.40 3.88 0.34 3.64 0.32 3.52 0.31 6.10 1.00 0.09

32 6.01 0.53 4.80 0.42 4.08 0.36 3.84 0.34 3.71 0.32 6.20 1.00 0.09

33 6.23 0.55 5.01 0.44 4.28 0.37 4.04 0.35 3.92 0.34 6.30 1.00 0.09

34 6.46 0.57 5.24 0.46 4.51 0.39 4.26 0.37 4.14 0.36 6.40 1.00 0.09

35 6.71 0.59 5.48 0.48 4.75 0.42 4.50 0.39 4.38 0.38 6.50 1.00 0.09

36 6.98 0.61 5.75 0.50 5.01 0.44 4.76 0.42 4.64 0.41 6.60 1.00 0.09

37 7.29 0.64 6.04 0.53 5.30 0.46 5.05 0.44 4.93 0.43 6.70 1.00 0.09

38 7.62 0.67 6.37 0.56 5.62 0.49 5.37 0.47 5.24 0.46 6.80 1.00 0.09

39 7.99 0.70 6.72 0.59 5.96 0.52 5.71 0.50 5.58 0.49 6.90 1.00 0.09

40 8.39 0.73 7.11 0.62 6.34 0.55 6.08 0.53 5.95 0.52 7.00 1.00 0.09

41 8.82 0.77 7.52 0.66 6.74 0.59 6.48 0.57 6.35 0.56 7.10 1.03 0.09

42 9.29 0.81 7.97 0.70 7.18 0.63 6.91 0.60 6.78 0.59 7.20 1.05 0.09

43 9.79 0.86 8.44 0.74 7.64 0.67 7.37 0.64 7.23 0.63 7.30 1.08 0.09

44 10.32 0.90 8.95 0.78 8.13 0.71 7.86 0.69 7.72 0.68 7.40 1.10 0.10

45 10.89 0.95 9.49 0.83 8.65 0.76 8.37 0.73 8.23 0.72 7.50 1.13 0.10

46 11.50 1.01 10.06 0.88 9.20 0.81 8.91 0.78 8.77 0.77 7.60 1.15 0.10

47 12.15 1.06 10.67 0.93 9.78 0.86 9.48 0.83 9.33 0.82 7.70 1.18 0.10

48 12.83 1.12 11.30 0.99 10.38 0.91 10.07 0.88 9.92 0.87 7.80 1.20 0.11

49 13.55 1.19 11.95 1.05 11.00 0.96 10.68 0.93 10.52 0.92 7.90 1.23 0.11

50 14.31 1.25 12.64 1.11 11.64 1.02 11.30 0.99 11.14 0.97 8.00 1.25 0.11

51 15.12 1.32 13.37 1.17 12.31 1.08 11.96 1.05 11.79 1.03 8.40 1.35 0.12

52 16.02 1.40 14.16 1.24 13.04 1.14 12.67 1.11 12.48 1.09 8.80 1.45 0.13

53 17.01 1.49 15.01 1.31 13.81 1.21 13.41 1.17 13.22 1.16 9.20 1.55 0.14

54 18.13 1.59 15.97 1.40 14.67 1.28 14.23 1.25 14.02 1.23 9.60 1.65 0.14

55 19.42 1.70 17.04 1.49 15.62 1.37 15.14 1.32 14.90 1.30 10.00 1.75 0.15

56 20.98 1.84 18.32 1.60 16.72 1.46 16.19 1.42 15.92 1.39 1.80 0.16

57 22.93 2.01 19.87 1.74 18.04 1.58 17.43 1.53 17.13 1.50 1.85 0.16

58 25.08 2.19 21.94 1.92 19.77 1.73 19.05 1.67 18.69 1.64 1.90 0.17

59 26.58 2.33 24.35 2.13 22.18 1.94 21.28 1.86 20.83 1.82 1.95 0.17

60 28.29 2.48 25.84 2.26 24.37 2.13 23.89 2.09 23.64 2.07 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65TRINIDAD PREMIUM RATES - FEMALE PREFERRED

Total Disability

Premium Rate


20 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 0.90 0.08 9.00 1.00 0.09

21 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 0.91 0.08 9.00 1.00 0.09

22 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 0.93 0.08 9.00 1.00 0.09

23 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 0.95 0.08 9.00 1.00 0.09

24 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 0.98 0.09 9.00 1.00 0.09

25 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 1.01 0.09 9.00 1.00 0.09

26 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 1.05 0.09 9.00 1.00 0.09

27 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 1.09 0.10 9.00 1.00 0.09

28 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 1.13 0.10 9.00 1.00 0.09

29 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 1.17 0.10 9.00 1.00 0.09

30 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 1.17 0.10 9.00 1.00 0.09

31 3.45 0.30 2.14 0.19 1.46 0.13 1.30 0.11 1.22 0.11 9.20 1.00 0.09

32 3.45 0.30 2.19 0.19 1.51 0.13 1.34 0.12 1.26 0.11 9.30 1.00 0.09

33 3.45 0.30 2.25 0.20 1.56 0.14 1.39 0.12 1.31 0.11 9.50 1.00 0.09

34 3.51 0.31 2.31 0.20 1.61 0.14 1.45 0.13 1.36 0.12 9.60 1.00 0.09

35 3.59 0.31 2.38 0.21 1.67 0.15 1.50 0.13 1.42 0.12 9.80 1.00 0.09

36 3.67 0.32 2.45 0.21 1.73 0.15 1.56 0.14 1.48 0.13 9.90 1.00 0.09

37 3.75 0.33 2.53 0.22 1.80 0.16 1.63 0.14 1.54 0.13 10.10 1.00 0.09

38 3.85 0.34 2.62 0.23 1.88 0.16 1.70 0.15 1.61 0.14 10.20 1.00 0.09

39 3.95 0.35 2.71 0.24 1.96 0.17 1.77 0.15 1.68 0.15 10.40 1.00 0.09

40 4.06 0.36 2.80 0.25 2.05 0.18 1.84 0.16 1.76 0.15 10.50 1.00 0.09

41 4.17 0.36 2.90 0.25 2.14 0.19 1.92 0.17 1.84 0.16 10.70 1.03 0.09

42 4.30 0.38 3.01 0.26 2.24 0.20 2.00 0.18 1.91 0.17 10.80 1.05 0.09

43 4.43 0.39 3.13 0.27 2.34 0.20 2.09 0.18 2.00 0.18 11.00 1.08 0.09

44 4.58 0.40 3.25 0.28 2.46 0.22 2.19 0.19 2.09 0.18 11.10 1.10 0.10

45 4.74 0.41 3.39 0.30 2.57 0.22 2.30 0.20 2.17 0.19 11.30 1.13 0.10

46 4.92 0.43 3.53 0.31 2.70 0.24 2.42 0.21 2.28 0.20 11.40 1.15 0.10

47 5.12 0.45 3.69 0.32 2.83 0.25 2.55 0.22 2.41 0.21 11.60 1.18 0.10

48 5.35 0.47 3.87 0.34 2.98 0.26 2.69 0.24 2.54 0.22 11.70 1.20 0.11

49 5.59 0.49 4.06 0.36 3.14 0.27 2.83 0.25 2.68 0.23 11.90 1.23 0.11

50 5.87 0.51 4.27 0.37 3.31 0.29 2.99 0.26 2.83 0.25 12.00 1.25 0.11

51 6.19 0.54 4.50 0.39 3.49 0.31 3.16 0.28 2.99 0.26 12.60 1.35 0.12

52 6.55 0.57 4.77 0.42 3.70 0.32 3.34 0.29 3.16 0.28 13.20 1.45 0.13

53 6.93 0.61 5.07 0.44 3.93 0.34 3.54 0.31 3.35 0.29 13.80 1.55 0.14

54 7.29 0.64 5.44 0.48 4.19 0.37 3.78 0.33 3.57 0.31 14.40 1.65 0.14

55 7.68 0.67 5.88 0.51 4.51 0.39 4.05 0.35 3.82 0.33 15.00 1.75 0.15

56 8.12 0.71 6.42 0.56 4.88 0.43 4.37 0.38 4.11 0.36 1.80 0.16

57 8.63 0.76 6.83 0.60 5.37 0.47 4.78 0.42 4.48 0.39 1.85 0.16

58 9.21 0.81 7.28 0.64 6.01 0.53 5.31 0.46 4.96 0.43 1.90 0.17

59 9.89 0.87 7.80 0.68 6.55 0.57 6.07 0.53 5.64 0.49 1.95 0.17

60 10.72 0.94 8.42 0.74 7.05 0.62 6.59 0.58 6.36 0.56 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65TRINIDAD PREMIUM RATES - FEMALE STANDARD

Total Disability

Premium Rate


20 4.74 0.41 3.54 0.31 1.81 0.16 1.60 0.14 1.50 0.13 9.00 1.00 0.09

21 4.74 0.41 3.54 0.31 1.86 0.16 1.65 0.14 1.55 0.14 9.00 1.00 0.09

22 4.74 0.41 3.54 0.31 1.93 0.17 1.72 0.15 1.61 0.14 9.00 1.00 0.09

23 4.74 0.41 3.54 0.31 2.00 0.18 1.79 0.16 1.68 0.15 9.00 1.00 0.09

24 4.74 0.41 3.54 0.31 2.09 0.18 1.87 0.16 1.76 0.15 9.00 1.00 0.09

25 4.74 0.41 3.54 0.31 2.19 0.19 1.96 0.17 1.85 0.16 9.00 1.00 0.09

26 4.74 0.41 3.54 0.31 2.30 0.20 2.05 0.18 1.95 0.17 9.00 1.00 0.09

27 4.74 0.41 3.54 0.31 2.42 0.21 2.16 0.19 2.06 0.18 9.00 1.00 0.09

28 4.74 0.41 3.54 0.31 2.55 0.22 2.27 0.20 2.17 0.19 9.00 1.00 0.09

29 4.74 0.41 3.54 0.31 2.68 0.23 2.38 0.21 2.28 0.20 9.00 1.00 0.09

30 4.74 0.41 3.54 0.31 2.68 0.23 2.44 0.21 2.36 0.21 9.00 1.00 0.09

31 4.74 0.41 3.54 0.31 2.82 0.25 2.58 0.23 2.48 0.22 9.20 1.00 0.09

32 4.91 0.43 3.70 0.32 2.98 0.26 2.74 0.24 2.62 0.23 9.30 1.00 0.09

33 5.08 0.44 3.87 0.34 3.14 0.27 2.90 0.25 2.78 0.24 9.50 1.00 0.09

34 5.26 0.46 4.05 0.35 3.32 0.29 3.08 0.27 2.96 0.26 9.60 1.00 0.09

35 5.46 0.48 4.24 0.37 3.51 0.31 3.26 0.29 3.14 0.27 9.80 1.00 0.09

36 5.67 0.50 4.44 0.39 3.71 0.32 3.46 0.30 3.34 0.29 9.90 1.00 0.09

37 5.90 0.52 4.66 0.41 3.92 0.34 3.67 0.32 3.55 0.31 10.10 1.00 0.09

38 6.14 0.54 4.90 0.43 4.15 0.36 3.90 0.34 3.78 0.33 10.20 1.00 0.09

39 6.40 0.56 5.15 0.45 4.39 0.38 4.14 0.36 4.01 0.35 10.40 1.00 0.09

40 6.67 0.58 5.40 0.47 4.64 0.41 4.38 0.38 4.26 0.37 10.50 1.00 0.09

41 6.96 0.61 5.67 0.50 4.89 0.43 4.64 0.41 4.51 0.39 10.70 1.03 0.09

42 7.26 0.64 5.95 0.52 5.17 0.45 4.91 0.43 4.78 0.42 10.80 1.05 0.09

43 7.58 0.66 6.25 0.55 5.45 0.48 5.18 0.45 5.05 0.44 11.00 1.08 0.09

44 7.92 0.69 6.56 0.57 5.75 0.50 5.48 0.48 5.34 0.47 11.10 1.10 0.10

45 8.28 0.72 6.89 0.60 6.06 0.53 5.78 0.51 5.64 0.49 11.30 1.13 0.10

46 8.66 0.76 7.24 0.63 6.39 0.56 6.10 0.53 5.96 0.52 11.40 1.15 0.10

47 9.07 0.79 7.61 0.67 6.73 0.59 6.44 0.56 6.29 0.55 11.60 1.18 0.10

48 9.51 0.83 8.00 0.70 7.09 0.62 6.79 0.59 6.64 0.58 11.70 1.20 0.11

49 9.99 0.87 8.42 0.74 7.48 0.65 7.16 0.63 7.00 0.61 11.90 1.23 0.11

50 10.50 0.92 8.86 0.78 7.87 0.69 7.54 0.66 7.38 0.65 12.00 1.25 0.11

51 11.06 0.97 9.34 0.82 8.30 0.73 7.96 0.70 7.78 0.68 12.60 1.35 0.12

52 11.69 1.02 9.86 0.86 8.76 0.77 8.40 0.74 8.21 0.72 13.20 1.45 0.13

53 12.41 1.09 10.45 0.91 9.27 0.81 8.88 0.78 8.69 0.76 13.80 1.55 0.14

54 13.24 1.16 11.11 0.97 9.84 0.86 9.41 0.82 9.20 0.81 14.40 1.65 0.14

55 14.23 1.25 11.90 1.04 10.49 0.92 10.03 0.88 9.79 0.86 15.00 1.75 0.15

56 15.23 1.33 12.84 1.12 11.27 0.99 10.75 0.94 10.48 0.92 1.80 0.16

57 16.09 1.41 14.02 1.23 12.22 1.07 11.62 1.02 11.32 0.99 1.85 0.16

58 17.06 1.49 15.07 1.32 13.48 1.18 12.77 1.12 12.41 1.09 1.90 0.17

59 18.17 1.59 16.01 1.40 14.71 1.29 14.28 1.25 13.94 1.22 1.95 0.17

60 19.47 1.70 17.09 1.50 15.67 1.37 15.19 1.33 14.96 1.31 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65TRINIDAD (US$) PREMIUM RATES - MALE PREFERRED

Total Disability

Premium Rate


20 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

21 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

22 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

23 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

24 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

25 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

26 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

27 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

28 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

29 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

30 4.74 0.41 3.08 0.27 2.22 0.19 2.03 0.18 1.92 0.17 6.00 1.00 0.09

31 4.74 0.41 3.16 0.28 2.29 0.20 2.08 0.18 1.98 0.17 6.10 1.00 0.09

32 4.74 0.41 3.22 0.28 2.36 0.21 2.15 0.19 2.04 0.18 6.20 1.00 0.09

33 4.74 0.41 3.30 0.29 2.44 0.21 2.21 0.19 2.11 0.18 6.30 1.00 0.09

34 4.82 0.42 3.37 0.29 2.51 0.22 2.28 0.20 2.18 0.19 6.40 1.00 0.09

35 4.92 0.43 3.47 0.30 2.59 0.23 2.35 0.21 2.26 0.20 6.50 1.00 0.09

36 5.03 0.44 3.56 0.31 2.69 0.24 2.44 0.21 2.34 0.20 6.60 1.00 0.09

37 5.15 0.45 3.67 0.32 2.80 0.25 2.53 0.22 2.42 0.21 6.70 1.00 0.09

38 5.28 0.46 3.80 0.33 2.92 0.26 2.63 0.23 2.53 0.22 6.80 1.00 0.09

39 5.44 0.48 3.94 0.34 3.05 0.27 2.75 0.24 2.64 0.23 6.90 1.00 0.09

40 5.60 0.49 4.09 0.36 3.19 0.28 2.89 0.25 2.76 0.24 7.00 1.00 0.09

41 5.78 0.51 4.26 0.37 3.35 0.29 3.04 0.27 2.89 0.25 7.10 1.03 0.09

42 5.99 0.52 4.44 0.39 3.50 0.31 3.20 0.28 3.05 0.27 7.20 1.05 0.09

43 6.20 0.54 4.63 0.41 3.68 0.32 3.37 0.29 3.22 0.28 7.30 1.08 0.09

44 6.43 0.56 4.84 0.42 3.88 0.34 3.55 0.31 3.40 0.30 7.40 1.10 0.10

45 6.68 0.58 5.05 0.44 4.07 0.36 3.74 0.33 3.59 0.31 7.50 1.13 0.10

46 6.96 0.61 5.29 0.46 4.28 0.37 3.95 0.35 3.78 0.33 7.60 1.15 0.10

47 7.26 0.64 5.54 0.48 4.50 0.39 4.16 0.36 3.98 0.35 7.70 1.18 0.10

48 7.58 0.66 5.81 0.51 4.74 0.41 4.38 0.38 4.20 0.37 7.80 1.20 0.11

49 7.93 0.69 6.08 0.53 4.98 0.44 4.61 0.40 4.43 0.39 7.90 1.23 0.11

50 8.33 0.73 6.40 0.56 5.23 0.46 4.85 0.42 4.66 0.41 8.00 1.25 0.11

51 8.75 0.77 6.72 0.59 5.50 0.48 5.09 0.45 4.90 0.43 8.40 1.35 0.12

52 9.24 0.81 7.09 0.62 5.80 0.51 5.36 0.47 5.15 0.45 8.80 1.45 0.13

53 9.82 0.86 7.51 0.66 6.12 0.54 5.66 0.50 5.44 0.48 9.20 1.55 0.14

54 10.49 0.92 7.99 0.70 6.49 0.57 5.99 0.52 5.74 0.50 9.60 1.65 0.14

55 11.32 0.99 8.57 0.75 6.91 0.60 6.36 0.56 6.08 0.53 10.00 1.75 0.15

56 11.95 1.05 9.28 0.81 7.43 0.65 6.80 0.60 6.50 0.57 1.80 0.16

57 12.62 1.10 10.19 0.89 8.06 0.71 7.36 0.64 7.00 0.61 1.85 0.16

58 13.39 1.17 11.06 0.97 8.92 0.78 8.08 0.71 7.66 0.67 1.90 0.17

59 14.28 1.25 11.76 1.03 10.13 0.89 9.08 0.79 8.57 0.75 1.95 0.17

60 15.34 1.34 12.56 1.10 10.90 0.95 10.34 0.90 10.06 0.88 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65TRINIDAD (US$) PREMIUM RATES - MALE STANDARD

Total Disability

Premium Rate


20 6.97 0.61 5.53 0.48 3.25 0.28 2.90 0.25 2.78 0.24 6.00 1.00 0.09

21 6.97 0.61 5.53 0.48 3.31 0.29 2.96 0.26 2.84 0.25 6.00 1.00 0.09

22 6.97 0.61 5.53 0.48 3.38 0.30 3.04 0.27 2.90 0.25 6.00 1.00 0.09

23 6.97 0.61 5.53 0.48 3.47 0.30 3.12 0.27 2.99 0.26 6.00 1.00 0.09

24 6.97 0.61 5.53 0.48 3.59 0.31 3.24 0.28 3.10 0.27 6.00 1.00 0.09

25 6.97 0.61 5.53 0.48 3.72 0.33 3.37 0.29 3.22 0.28 6.00 1.00 0.09

26 6.97 0.61 5.53 0.48 3.88 0.34 3.52 0.31 3.36 0.29 6.00 1.00 0.09

27 6.97 0.61 5.53 0.48 4.03 0.35 3.68 0.32 3.52 0.31 6.00 1.00 0.09

28 6.97 0.61 5.53 0.48 4.22 0.37 3.86 0.34 3.70 0.32 6.00 1.00 0.09

29 6.97 0.61 5.53 0.48 4.42 0.39 4.06 0.36 3.89 0.34 6.00 1.00 0.09

30 6.97 0.61 5.53 0.48 4.44 0.39 4.15 0.36 4.01 0.35 6.00 1.00 0.09

31 6.97 0.61 5.53 0.48 4.66 0.41 4.37 0.38 4.22 0.37 6.10 1.00 0.09

32 7.21 0.63 5.76 0.50 4.90 0.43 4.61 0.40 4.45 0.39 6.20 1.00 0.09

33 7.48 0.65 6.01 0.53 5.14 0.45 4.85 0.42 4.70 0.41 6.30 1.00 0.09

34 7.75 0.68 6.29 0.55 5.41 0.47 5.11 0.45 4.97 0.43 6.40 1.00 0.09

35 8.05 0.70 6.58 0.58 5.70 0.50 5.40 0.47 5.26 0.46 6.50 1.00 0.09

36 8.38 0.73 6.90 0.60 6.01 0.53 5.71 0.50 5.57 0.49 6.60 1.00 0.09

37 8.75 0.77 7.25 0.63 6.36 0.56 6.06 0.53 5.92 0.52 6.70 1.00 0.09

38 9.14 0.80 7.64 0.67 6.74 0.59 6.44 0.56 6.29 0.55 6.80 1.00 0.09

39 9.59 0.84 8.06 0.71 7.15 0.63 6.85 0.60 6.70 0.59 6.90 1.00 0.09

40 10.07 0.88 8.53 0.75 7.61 0.67 7.30 0.64 7.14 0.62 7.00 1.00 0.09

41 10.58 0.93 9.02 0.79 8.09 0.71 7.78 0.68 7.62 0.67 7.10 1.03 0.09

42 11.15 0.98 9.56 0.84 8.62 0.75 8.29 0.73 8.14 0.71 7.20 1.05 0.09

43 11.75 1.03 10.13 0.89 9.17 0.80 8.84 0.77 8.68 0.76 7.30 1.08 0.09

44 12.38 1.08 10.74 0.94 9.76 0.85 9.43 0.83 9.26 0.81 7.40 1.10 0.10

45 13.07 1.14 11.39 1.00 10.38 0.91 10.04 0.88 9.88 0.86 7.50 1.13 0.10

46 13.80 1.21 12.07 1.06 11.04 0.97 10.69 0.94 10.52 0.92 7.60 1.15 0.10

47 14.58 1.28 12.80 1.12 11.74 1.03 11.38 1.00 11.20 0.98 7.70 1.18 0.10

48 15.40 1.35 13.56 1.19 12.46 1.09 12.08 1.06 11.90 1.04 7.80 1.20 0.11

49 16.26 1.42 14.34 1.25 13.20 1.16 12.82 1.12 12.62 1.10 7.90 1.23 0.11

50 17.17 1.50 15.17 1.33 13.97 1.22 13.56 1.19 13.37 1.17 8.00 1.25 0.11

51 18.14 1.59 16.04 1.40 14.77 1.29 14.35 1.26 14.15 1.24 8.40 1.35 0.12

52 19.22 1.68 16.99 1.49 15.65 1.37 15.20 1.33 14.98 1.31 8.80 1.45 0.13

53 20.41 1.79 18.01 1.58 16.57 1.45 16.09 1.41 15.86 1.39 9.20 1.55 0.14

54 21.76 1.90 19.16 1.68 17.60 1.54 17.08 1.49 16.82 1.47 9.60 1.65 0.14

55 23.30 2.04 20.45 1.79 18.74 1.64 18.17 1.59 17.88 1.56 10.00 1.75 0.15

56 25.18 2.20 21.98 1.92 20.06 1.76 19.43 1.70 19.10 1.67 1.80 0.16

57 27.52 2.41 23.84 2.09 21.65 1.89 20.92 1.83 20.56 1.80 1.85 0.16

58 30.10 2.63 26.33 2.30 23.72 2.08 22.86 2.00 22.43 1.96 1.90 0.17

59 31.90 2.79 29.22 2.56 26.62 2.33 25.54 2.23 25.00 2.19 1.95 0.17

60 33.95 2.97 31.01 2.71 29.24 2.56 28.67 2.51 28.37 2.48 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65TRINIDAD (US$) PREMIUM RATES - FEMALE PREFERRED

Total Disability

Premium Rate


20 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.08 0.09 9.00 1.00 0.09

21 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.09 0.10 9.00 1.00 0.09

22 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.12 0.10 9.00 1.00 0.09

23 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.14 0.10 9.00 1.00 0.09

24 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.18 0.10 9.00 1.00 0.09

25 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.21 0.11 9.00 1.00 0.09

26 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.26 0.11 9.00 1.00 0.09

27 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.31 0.11 9.00 1.00 0.09

28 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.36 0.12 9.00 1.00 0.09

29 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.40 0.12 9.00 1.00 0.09

30 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.40 0.12 9.00 1.00 0.09

31 4.14 0.36 2.57 0.22 1.75 0.15 1.56 0.14 1.46 0.13 9.20 1.00 0.09

32 4.14 0.36 2.63 0.23 1.81 0.16 1.61 0.14 1.51 0.13 9.30 1.00 0.09

33 4.14 0.36 2.70 0.24 1.87 0.16 1.67 0.15 1.57 0.14 9.50 1.00 0.09

34 4.21 0.37 2.77 0.24 1.93 0.17 1.74 0.15 1.63 0.14 9.60 1.00 0.09

35 4.31 0.38 2.86 0.25 2.00 0.18 1.80 0.16 1.70 0.15 9.80 1.00 0.09

36 4.40 0.39 2.94 0.26 2.08 0.18 1.87 0.16 1.78 0.16 9.90 1.00 0.09

37 4.50 0.39 3.04 0.27 2.16 0.19 1.96 0.17 1.85 0.16 10.10 1.00 0.09

38 4.62 0.40 3.14 0.27 2.26 0.20 2.04 0.18 1.93 0.17 10.20 1.00 0.09

39 4.74 0.41 3.25 0.28 2.35 0.21 2.12 0.19 2.02 0.18 10.40 1.00 0.09

40 4.87 0.43 3.36 0.29 2.46 0.22 2.21 0.19 2.11 0.18 10.50 1.00 0.09

41 5.00 0.44 3.48 0.30 2.57 0.22 2.30 0.20 2.21 0.19 10.70 1.03 0.09

42 5.16 0.45 3.61 0.32 2.69 0.24 2.40 0.21 2.29 0.20 10.80 1.05 0.09

43 5.32 0.47 3.76 0.33 2.81 0.25 2.51 0.22 2.40 0.21 11.00 1.08 0.09

44 5.50 0.48 3.90 0.34 2.95 0.26 2.63 0.23 2.51 0.22 11.10 1.10 0.10

45 5.69 0.50 4.07 0.36 3.08 0.27 2.76 0.24 2.60 0.23 11.30 1.13 0.10

46 5.90 0.52 4.24 0.37 3.24 0.28 2.90 0.25 2.74 0.24 11.40 1.15 0.10

47 6.14 0.54 4.43 0.39 3.40 0.30 3.06 0.27 2.89 0.25 11.60 1.18 0.10

48 6.42 0.56 4.64 0.41 3.58 0.31 3.23 0.28 3.05 0.27 11.70 1.20 0.11

49 6.71 0.59 4.87 0.43 3.77 0.33 3.40 0.30 3.22 0.28 11.90 1.23 0.11

50 7.04 0.62 5.12 0.45 3.97 0.35 3.59 0.31 3.40 0.30 12.00 1.25 0.11

51 7.43 0.65 5.40 0.47 4.19 0.37 3.79 0.33 3.59 0.31 12.60 1.35 0.12

52 7.86 0.69 5.72 0.50 4.44 0.39 4.01 0.35 3.79 0.33 13.20 1.45 0.13

53 8.32 0.73 6.08 0.53 4.72 0.41 4.25 0.37 4.02 0.35 13.80 1.55 0.14

54 8.75 0.77 6.53 0.57 5.03 0.44 4.54 0.40 4.28 0.37 14.40 1.65 0.14

55 9.22 0.81 7.06 0.62 5.41 0.47 4.86 0.43 4.58 0.40 15.00 1.75 0.15

56 9.74 0.85 7.70 0.67 5.86 0.51 5.24 0.46 4.93 0.43 1.80 0.16

57 10.36 0.91 8.20 0.72 6.44 0.56 5.74 0.50 5.38 0.47 1.85 0.16

58 11.05 0.97 8.74 0.76 7.21 0.63 6.37 0.56 5.95 0.52 1.90 0.17

59 11.87 1.04 9.36 0.82 7.86 0.69 7.28 0.64 6.77 0.59 1.95 0.17

60 12.86 1.13 10.10 0.88 8.46 0.74 7.91 0.69 7.63 0.67 2.00 0.18




Sagicor Life Inc CONVERTIBLE TERM TO AGE 65TRINIDAD (US$) PREMIUM RATES - FEMALE STANDARD

Total Disability

Premium Rate


20 5.69 0.50 4.25 0.37 2.17 0.19 1.92 0.17 1.80 0.16 9.00 1.00 0.09

21 5.69 0.50 4.25 0.37 2.23 0.20 1.98 0.17 1.86 0.16 9.00 1.00 0.09

22 5.69 0.50 4.25 0.37 2.32 0.20 2.06 0.18 1.93 0.17 9.00 1.00 0.09

23 5.69 0.50 4.25 0.37 2.40 0.21 2.15 0.19 2.02 0.18 9.00 1.00 0.09

24 5.69 0.50 4.25 0.37 2.51 0.22 2.24 0.20 2.11 0.18 9.00 1.00 0.09

25 5.69 0.50 4.25 0.37 2.63 0.23 2.35 0.21 2.22 0.19 9.00 1.00 0.09

26 5.69 0.50 4.25 0.37 2.76 0.24 2.46 0.22 2.34 0.20 9.00 1.00 0.09

27 5.69 0.50 4.25 0.37 2.90 0.25 2.59 0.23 2.47 0.22 9.00 1.00 0.09

28 5.69 0.50 4.25 0.37 3.06 0.27 2.72 0.24 2.60 0.23 9.00 1.00 0.09

29 5.69 0.50 4.25 0.37 3.22 0.28 2.86 0.25 2.74 0.24 9.00 1.00 0.09

30 5.69 0.50 4.25 0.37 3.22 0.28 2.93 0.26 2.83 0.25 9.00 1.00 0.09

31 5.69 0.50 4.25 0.37 3.38 0.30 3.10 0.27 2.98 0.26 9.20 1.00 0.09

32 5.89 0.52 4.44 0.39 3.58 0.31 3.29 0.29 3.14 0.27 9.30 1.00 0.09

33 6.10 0.53 4.64 0.41 3.77 0.33 3.48 0.30 3.34 0.29 9.50 1.00 0.09

34 6.31 0.55 4.86 0.43 3.98 0.35 3.70 0.32 3.55 0.31 9.60 1.00 0.09

35 6.55 0.57 5.09 0.45 4.21 0.37 3.91 0.34 3.77 0.33 9.80 1.00 0.09

36 6.80 0.60 5.33 0.47 4.45 0.39 4.15 0.36 4.01 0.35 9.90 1.00 0.09

37 7.08 0.62 5.59 0.49 4.70 0.41 4.40 0.39 4.26 0.37 10.10 1.00 0.09

38 7.37 0.64 5.88 0.51 4.98 0.44 4.68 0.41 4.54 0.40 10.20 1.00 0.09

39 7.68 0.67 6.18 0.54 5.27 0.46 4.97 0.43 4.81 0.42 10.40 1.00 0.09

40 8.00 0.70 6.48 0.57 5.57 0.49 5.26 0.46 5.11 0.45 10.50 1.00 0.09

41 8.35 0.73 6.80 0.60 5.87 0.51 5.57 0.49 5.41 0.47 10.70 1.03 0.09

42 8.71 0.76 7.14 0.62 6.20 0.54 5.89 0.52 5.74 0.50 10.80 1.05 0.09

43 9.10 0.80 7.50 0.66 6.54 0.57 6.22 0.54 6.06 0.53 11.00 1.08 0.09

44 9.50 0.83 7.87 0.69 6.90 0.60 6.58 0.58 6.41 0.56 11.10 1.10 0.10

45 9.94 0.87 8.27 0.72 7.27 0.64 6.94 0.61 6.77 0.59 11.30 1.13 0.10

46 10.39 0.91 8.69 0.76 7.67 0.67 7.32 0.64 7.15 0.63 11.40 1.15 0.10

47 10.88 0.95 9.13 0.80 8.08 0.71 7.73 0.68 7.55 0.66 11.60 1.18 0.10

48 11.41 1.00 9.60 0.84 8.51 0.74 8.15 0.71 7.97 0.70 11.70 1.20 0.11

49 11.99 1.05 10.10 0.88 8.98 0.79 8.59 0.75 8.40 0.74 11.90 1.23 0.11

50 12.60 1.10 10.63 0.93 9.44 0.83 9.05 0.79 8.86 0.78 12.00 1.25 0.11

51 13.27 1.16 11.21 0.98 9.96 0.87 9.55 0.84 9.34 0.82 12.60 1.35 0.12

52 14.03 1.23 11.83 1.04 10.51 0.92 10.08 0.88 9.85 0.86 13.20 1.45 0.13

53 14.89 1.30 12.54 1.10 11.12 0.97 10.66 0.93 10.43 0.91 13.80 1.55 0.14

54 15.89 1.39 13.33 1.17 11.81 1.03 11.29 0.99 11.04 0.97 14.40 1.65 0.14

55 17.08 1.49 14.28 1.25 12.59 1.10 12.04 1.05 11.75 1.03 15.00 1.75 0.15

56 18.28 1.60 15.41 1.35 13.52 1.18 12.90 1.13 12.58 1.10 1.80 0.16

57 19.31 1.69 16.82 1.47 14.66 1.28 13.94 1.22 13.58 1.19 1.85 0.16

58 20.47 1.79 18.08 1.58 16.18 1.42 15.32 1.34 14.89 1.30 1.90 0.17

59 21.80 1.91 19.21 1.68 17.65 1.54 17.14 1.50 16.73 1.46 1.95 0.17

60 23.36 2.04 20.51 1.79 18.80 1.65 18.23 1.60 17.95 1.57 2.00 0.18





Total Disability

Premium Rate


20 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

21 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

22 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

23 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

24 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

25 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

26 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

27 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

28 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

29 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

30 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

31 4.43 0.39 3.12 0.27 2.33 0.20 2.15 0.19 2.05 0.18 6.10 1.00 0.09

32 4.51 0.39 3.20 0.28 2.41 0.21 2.21 0.19 2.12 0.19 6.20 1.00 0.09

33 4.60 0.40 3.29 0.29 2.50 0.22 2.29 0.20 2.20 0.19 6.30 1.00 0.09

34 4.70 0.41 3.38 0.30 2.60 0.23 2.38 0.21 2.29 0.20 6.40 1.00 0.09

35 4.80 0.42 3.49 0.31 2.70 0.24 2.48 0.22 2.38 0.21 6.50 1.00 0.09

36 4.92 0.43 3.60 0.32 2.81 0.25 2.57 0.22 2.49 0.22 6.60 1.00 0.09

37 5.05 0.44 3.72 0.33 2.93 0.26 2.68 0.23 2.60 0.23 6.70 1.00 0.09

38 5.19 0.45 3.86 0.34 3.07 0.27 2.81 0.25 2.72 0.24 6.80 1.00 0.09

39 5.35 0.47 4.02 0.35 3.22 0.28 2.95 0.26 2.85 0.25 6.90 1.00 0.09

40 5.52 0.48 4.18 0.37 3.38 0.30 3.11 0.27 2.98 0.26 7.00 1.00 0.09

41 5.71 0.50 4.37 0.38 3.55 0.31 3.29 0.29 3.16 0.28 7.10 1.03 0.09

42 5.91 0.52 4.55 0.40 3.75 0.33 3.48 0.30 3.34 0.29 7.20 1.05 0.09

43 6.13 0.54 4.76 0.42 3.95 0.35 3.67 0.32 3.54 0.31 7.30 1.08 0.09

44 6.37 0.56 4.98 0.44 4.16 0.36 3.88 0.34 3.75 0.33 7.40 1.10 0.10

45 6.61 0.58 5.23 0.46 4.39 0.38 4.11 0.36 3.97 0.35 7.50 1.13 0.10

46 6.89 0.60 5.48 0.48 4.63 0.41 4.35 0.38 4.21 0.37 7.60 1.15 0.10

47 7.17 0.63 5.74 0.50 4.90 0.43 4.61 0.40 4.47 0.39 7.70 1.18 0.10

48 7.49 0.66 6.04 0.53 5.16 0.45 4.87 0.43 4.73 0.41 7.80 1.20 0.11

49 7.82 0.68 6.35 0.56 5.46 0.48 5.16 0.45 5.02 0.44 7.90 1.23 0.11

50 8.18 0.72 6.68 0.58 5.76 0.50 5.47 0.48 5.31 0.46 8.00 1.25 0.11

51 8.57 0.75 7.02 0.61 6.08 0.53 5.78 0.51 5.62 0.49 8.40 1.35 0.12

52 8.99 0.79 7.39 0.65 6.44 0.56 6.12 0.54 5.95 0.52 8.80 1.45 0.13

53 9.43 0.83 7.78 0.68 6.79 0.59 6.46 0.57 6.29 0.55 9.20 1.55 0.14

54 9.89 0.87 8.18 0.72 7.15 0.63 6.81 0.60 6.64 0.58 9.60 1.65 0.14

55 10.40 0.91 8.60 0.75 7.54 0.66 7.17 0.63 7.00 0.61 10.00 1.75 0.15

56 10.96 0.96 9.08 0.79 7.94 0.69 7.57 0.66 7.38 0.65 1.80 0.16

57 11.57 1.01 9.58 0.84 8.38 0.73 7.99 0.70 7.78 0.68 1.85 0.16

58 12.28 1.07 10.14 0.89 8.86 0.78 8.43 0.74 8.22 0.72 1.90 0.17

59 13.09 1.15 10.78 0.94 9.38 0.82 8.92 0.78 8.69 0.76 1.95 0.17

60 14.06 1.23 11.52 1.01 9.99 0.87 9.48 0.83 9.23 0.81 2.00 0.18

61 15.31 1.34 12.44 1.09 10.71 0.94 10.14 0.89 9.86 0.86

62 16.69 1.46 13.46 1.18 11.54 1.01 10.89 0.95 10.57 0.92

63 17.85 1.56 14.78 1.29 12.56 1.10 11.81 1.03 11.44 1.00

64 18.73 1.64 16.58 1.45 13.92 1.22 13.02 1.14 12.57 1.10

65 19.49 1.71 17.29 1.51 15.83 1.39 14.70 1.29 14.12 1.24





Total Disability

Premium Rate


20 6.95 0.61 5.62 0.49 3.21 0.28 2.90 0.25 2.78 0.24 6.00 1.00 0.09

21 6.95 0.61 5.62 0.49 3.29 0.29 2.97 0.26 2.86 0.25 6.00 1.00 0.09

22 6.95 0.61 5.62 0.49 3.38 0.30 3.06 0.27 2.95 0.26 6.00 1.00 0.09

23 6.95 0.61 5.62 0.49 3.48 0.30 3.16 0.28 3.05 0.27 6.00 1.00 0.09

24 6.95 0.61 5.62 0.49 3.61 0.32 3.29 0.29 3.17 0.28 6.00 1.00 0.09

25 6.95 0.61 5.62 0.49 3.75 0.33 3.43 0.30 3.30 0.29 6.00 1.00 0.09

26 6.95 0.61 5.62 0.49 3.93 0.34 3.60 0.32 3.45 0.30 6.00 1.00 0.09

27 6.95 0.61 5.62 0.49 4.10 0.36 3.78 0.33 3.62 0.32 6.00 1.00 0.09

28 6.95 0.61 5.62 0.49 4.30 0.38 3.98 0.35 3.83 0.34 6.00 1.00 0.09

29 6.95 0.61 5.62 0.49 4.52 0.40 4.20 0.37 4.04 0.35 6.00 1.00 0.09

30 6.95 0.61 5.62 0.49 4.59 0.40 4.32 0.38 4.19 0.37 6.00 1.00 0.09

31 6.95 0.61 5.62 0.49 4.83 0.42 4.57 0.40 4.43 0.39 6.10 1.00 0.09

32 7.22 0.63 5.89 0.52 5.09 0.45 4.83 0.42 4.70 0.41 6.20 1.00 0.09

33 7.49 0.66 6.17 0.54 5.37 0.47 5.10 0.45 4.97 0.43 6.30 1.00 0.09

34 7.80 0.68 6.47 0.57 5.67 0.50 5.40 0.47 5.27 0.46 6.40 1.00 0.09

35 8.13 0.71 6.79 0.59 6.00 0.53 5.72 0.50 5.59 0.49 6.50 1.00 0.09

36 8.49 0.74 7.15 0.63 6.35 0.56 6.07 0.53 5.94 0.52 6.60 1.00 0.09

37 8.88 0.78 7.54 0.66 6.73 0.59 6.46 0.57 6.33 0.55 6.70 1.00 0.09

38 9.32 0.82 7.96 0.70 7.15 0.63 6.88 0.60 6.74 0.59 6.80 1.00 0.09

39 9.78 0.86 8.43 0.74 7.61 0.67 7.34 0.64 7.19 0.63 6.90 1.00 0.09

40 10.30 0.90 8.92 0.78 8.11 0.71 7.83 0.69 7.69 0.67 7.00 1.00 0.09

41 10.85 0.95 9.47 0.83 8.64 0.76 8.36 0.73 8.23 0.72 7.10 1.03 0.09

42 11.44 1.00 10.04 0.88 9.21 0.81 8.93 0.78 8.79 0.77 7.20 1.05 0.09

43 12.08 1.06 10.67 0.93 9.82 0.86 9.54 0.83 9.41 0.82 7.30 1.08 0.09

44 12.75 1.12 11.33 0.99 10.47 0.92 10.19 0.89 10.04 0.88 7.40 1.10 0.10

45 13.48 1.18 12.03 1.05 11.17 0.98 10.88 0.95 10.74 0.94 7.50 1.13 0.10

46 14.25 1.25 12.78 1.12 11.90 1.04 11.61 1.02 11.46 1.00 7.60 1.15 0.10

47 15.07 1.32 13.57 1.19 12.68 1.11 12.39 1.08 12.23 1.07 7.70 1.18 0.10

48 15.94 1.39 14.42 1.26 13.51 1.18 13.20 1.16 13.06 1.14 7.80 1.20 0.11

49 16.86 1.48 15.31 1.34 14.38 1.26 14.07 1.23 13.92 1.22 7.90 1.23 0.11

50 17.84 1.56 16.25 1.42 15.29 1.34 14.97 1.31 14.82 1.30 8.00 1.25 0.11

51 18.87 1.65 17.23 1.51 16.25 1.42 15.92 1.39 15.76 1.38 8.40 1.35 0.12

52 19.94 1.74 18.26 1.60 17.25 1.51 16.91 1.48 16.74 1.46 8.80 1.45 0.13

53 21.05 1.84 19.32 1.69 18.27 1.60 17.92 1.57 17.74 1.55 9.20 1.55 0.14

54 22.23 1.95 20.42 1.79 19.33 1.69 18.96 1.66 18.78 1.64 9.60 1.65 0.14

55 23.43 2.05 21.54 1.88 20.39 1.78 20.02 1.75 19.82 1.73 10.00 1.75 0.15

56 24.72 2.16 22.72 1.99 21.52 1.88 21.12 1.85 20.92 1.83 1.80 0.16

57 26.09 2.28 23.97 2.10 22.70 1.99 22.28 1.95 22.07 1.93 1.85 0.16

58 27.59 2.41 25.32 2.22 23.96 2.10 23.51 2.06 23.28 2.04 1.90 0.17

59 29.24 2.56 26.79 2.34 25.32 2.22 24.83 2.17 24.59 2.15 1.95 0.17

60 31.12 2.72 28.42 2.49 26.81 2.35 26.28 2.30 26.00 2.28 2.00 0.18

61 33.42 2.92 30.38 2.66 28.57 2.50 27.96 2.45 27.65 2.42

62 35.92 3.14 32.53 2.85 30.49 2.67 29.81 2.61 29.48 2.58

63 39.06 3.42 35.16 3.08 32.81 2.87 32.04 2.80 31.65 2.77

64 41.71 3.65 38.65 3.38 35.84 3.14 34.90 3.05 34.44 3.01

65 43.13 3.77 40.76 3.57 39.33 3.44 38.84 3.40 38.26 3.35





Total Disability

Premium Rate


20 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.06 0.09 9.00 1.00 0.09

21 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.08 0.09 9.00 1.00 0.09

22 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.10 0.10 9.00 1.00 0.09

23 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.13 0.10 9.00 1.00 0.09

24 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.18 0.10 9.00 1.00 0.09

25 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.21 0.11 9.00 1.00 0.09

26 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.27 0.11 9.00 1.00 0.09

27 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.32 0.12 9.00 1.00 0.09

28 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.36 0.12 9.00 1.00 0.09

29 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.42 0.12 9.00 1.00 0.09

30 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.44 0.13 9.00 1.00 0.09

31 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.50 0.13 9.20 1.00 0.09

32 3.88 0.34 2.57 0.22 1.83 0.16 1.65 0.14 1.56 0.14 9.30 1.00 0.09

33 3.96 0.35 2.65 0.23 1.89 0.17 1.72 0.15 1.63 0.14 9.50 1.00 0.09

34 4.05 0.35 2.73 0.24 1.97 0.17 1.78 0.16 1.69 0.15 9.60 1.00 0.09

35 4.14 0.36 2.82 0.25 2.05 0.18 1.87 0.16 1.77 0.15 9.80 1.00 0.09

36 4.22 0.37 2.92 0.26 2.12 0.19 1.95 0.17 1.86 0.16 9.90 1.00 0.09

37 4.33 0.38 3.01 0.26 2.22 0.19 2.04 0.18 1.95 0.17 10.10 1.00 0.09

38 4.44 0.39 3.12 0.27 2.33 0.20 2.12 0.19 2.04 0.18 10.20 1.00 0.09

39 4.57 0.40 3.23 0.28 2.44 0.21 2.22 0.19 2.13 0.19 10.40 1.00 0.09

40 4.69 0.41 3.36 0.29 2.56 0.22 2.33 0.20 2.23 0.20 10.50 1.00 0.09

41 4.82 0.42 3.49 0.31 2.68 0.23 2.43 0.21 2.34 0.20 10.70 1.03 0.09

42 4.96 0.43 3.62 0.32 2.82 0.25 2.54 0.22 2.45 0.21 10.80 1.05 0.09

43 5.12 0.45 3.76 0.33 2.95 0.26 2.67 0.23 2.57 0.22 11.00 1.08 0.09

44 5.29 0.46 3.92 0.34 3.10 0.27 2.83 0.25 2.70 0.24 11.10 1.10 0.10

45 5.47 0.48 4.08 0.36 3.26 0.29 2.97 0.26 2.84 0.25 11.30 1.13 0.10

46 5.67 0.50 4.26 0.37 3.42 0.30 3.14 0.27 3.00 0.26 11.40 1.15 0.10

47 5.87 0.51 4.46 0.39 3.60 0.32 3.32 0.29 3.18 0.28 11.60 1.18 0.10

48 6.11 0.53 4.66 0.41 3.80 0.33 3.51 0.31 3.37 0.29 11.70 1.20 0.11

49 6.36 0.56 4.88 0.43 4.00 0.35 3.72 0.33 3.56 0.31 11.90 1.23 0.11

50 6.63 0.58 5.14 0.45 4.24 0.37 3.93 0.34 3.78 0.33 12.00 1.25 0.11

51 6.94 0.61 5.40 0.47 4.48 0.39 4.17 0.36 4.02 0.35 12.60 1.35 0.12

52 7.26 0.64 5.68 0.50 4.73 0.41 4.41 0.39 4.26 0.37 13.20 1.45 0.13

53 7.62 0.67 5.98 0.52 5.01 0.44 4.68 0.41 4.51 0.39 13.80 1.55 0.14

54 8.02 0.70 6.31 0.55 5.30 0.46 4.96 0.43 4.79 0.42 14.40 1.65 0.14

55 8.45 0.74 6.68 0.58 5.61 0.49 5.26 0.46 5.08 0.44 15.00 1.75 0.15

56 8.93 0.78 7.06 0.62 5.95 0.52 5.58 0.49 5.39 0.47 1.80 0.16

57 9.49 0.83 7.51 0.66 6.33 0.55 5.93 0.52 5.73 0.50 1.85 0.16

58 10.13 0.89 8.01 0.70 6.73 0.59 6.31 0.55 6.11 0.53 1.90 0.17

59 10.88 0.95 8.58 0.75 7.21 0.63 6.74 0.59 6.51 0.57 1.95 0.17

60 11.79 1.03 9.26 0.81 7.76 0.68 7.25 0.63 7.00 0.61 2.00 0.18

61 12.85 1.12 10.13 0.89 8.42 0.74 7.84 0.69 7.56 0.66

62 13.55 1.19 11.09 0.97 9.16 0.80 8.53 0.75 8.21 0.72

63 14.31 1.25 12.27 1.07 10.12 0.89 9.38 0.82 9.02 0.79

64 15.11 1.32 12.99 1.14 11.41 1.00 10.52 0.92 10.08 0.88

65 15.84 1.39 13.67 1.20 12.38 1.08 11.94 1.04 11.54 1.01





Total Disability

Premium Rate


20 5.54 0.48 4.22 0.37 2.13 0.19 1.90 0.17 1.79 0.16 9.00 1.00 0.09

21 5.54 0.48 4.22 0.37 2.21 0.19 1.98 0.17 1.86 0.16 9.00 1.00 0.09

22 5.54 0.48 4.22 0.37 2.29 0.20 2.06 0.18 1.95 0.17 9.00 1.00 0.09

23 5.54 0.48 4.22 0.37 2.38 0.21 2.15 0.19 2.04 0.18 9.00 1.00 0.09

24 5.54 0.48 4.22 0.37 2.49 0.22 2.24 0.20 2.13 0.19 9.00 1.00 0.09

25 5.54 0.48 4.22 0.37 2.62 0.23 2.37 0.21 2.24 0.20 9.00 1.00 0.09

26 5.54 0.48 4.22 0.37 2.75 0.24 2.49 0.22 2.38 0.21 9.00 1.00 0.09

27 5.54 0.48 4.22 0.37 2.90 0.25 2.62 0.23 2.51 0.22 9.00 1.00 0.09

28 5.54 0.48 4.22 0.37 3.06 0.27 2.76 0.24 2.64 0.23 9.00 1.00 0.09

29 5.54 0.48 4.22 0.37 3.22 0.28 2.90 0.25 2.79 0.24 9.00 1.00 0.09

30 5.54 0.48 4.22 0.37 3.26 0.29 2.99 0.26 2.90 0.25 9.00 1.00 0.09

31 5.54 0.48 4.22 0.37 3.43 0.30 3.17 0.28 3.06 0.27 9.20 1.00 0.09

32 5.74 0.50 4.42 0.39 3.63 0.32 3.37 0.29 3.23 0.28 9.30 1.00 0.09

33 5.95 0.52 4.63 0.41 3.84 0.34 3.58 0.31 3.44 0.30 9.50 1.00 0.09

34 6.17 0.54 4.85 0.42 4.06 0.36 3.80 0.33 3.66 0.32 9.60 1.00 0.09

35 6.41 0.56 5.09 0.45 4.29 0.38 4.03 0.35 3.89 0.34 9.80 1.00 0.09

36 6.68 0.58 5.35 0.47 4.55 0.40 4.28 0.37 4.15 0.36 9.90 1.00 0.09

37 6.95 0.61 5.62 0.49 4.82 0.42 4.55 0.40 4.42 0.39 10.10 1.00 0.09

38 7.25 0.63 5.91 0.52 5.10 0.45 4.84 0.42 4.71 0.41 10.20 1.00 0.09

39 7.57 0.66 6.22 0.54 5.41 0.47 5.14 0.45 5.01 0.44 10.40 1.00 0.09

40 7.89 0.69 6.53 0.57 5.72 0.50 5.45 0.48 5.31 0.46 10.50 1.00 0.09

41 8.23 0.72 6.86 0.60 6.05 0.53 5.78 0.51 5.64 0.49 10.70 1.03 0.09

42 8.59 0.75 7.22 0.63 6.39 0.56 6.12 0.54 5.98 0.52 10.80 1.05 0.09

43 8.98 0.79 7.59 0.66 6.75 0.59 6.48 0.57 6.34 0.55 11.00 1.08 0.09

44 9.37 0.82 7.98 0.70 7.13 0.62 6.85 0.60 6.71 0.59 11.10 1.10 0.10

45 9.80 0.86 8.38 0.73 7.54 0.66 7.25 0.63 7.11 0.62 11.30 1.13 0.10

46 10.25 0.90 8.81 0.77 7.95 0.70 7.67 0.67 7.52 0.66 11.40 1.15 0.10

47 10.74 0.94 9.27 0.81 8.39 0.73 8.11 0.71 7.95 0.70 11.60 1.18 0.10

48 11.24 0.98 9.76 0.85 8.87 0.78 8.57 0.75 8.43 0.74 11.70 1.20 0.11

49 11.79 1.03 10.27 0.90 9.37 0.82 9.06 0.79 8.91 0.78 11.90 1.23 0.11

50 12.38 1.08 10.82 0.95 9.89 0.87 9.58 0.84 9.43 0.83 12.00 1.25 0.11

51 12.99 1.14 11.40 1.00 10.45 0.91 10.13 0.89 9.97 0.87 12.60 1.35 0.12

52 13.65 1.19 12.01 1.05 11.02 0.96 10.69 0.94 10.54 0.92 13.20 1.45 0.13

53 14.34 1.25 12.65 1.11 11.64 1.02 11.30 0.99 11.13 0.97 13.80 1.55 0.14

54 15.08 1.32 13.32 1.17 12.27 1.07 11.91 1.04 11.74 1.03 14.40 1.65 0.14

55 15.88 1.39 14.05 1.23 12.94 1.13 12.57 1.10 12.39 1.08 15.00 1.75 0.15

56 16.75 1.47 14.82 1.30 13.65 1.19 13.27 1.16 13.07 1.14 1.80 0.16

57 17.70 1.55 15.64 1.37 14.41 1.26 14.00 1.23 13.81 1.21 1.85 0.16

58 18.77 1.64 16.58 1.45 15.26 1.34 14.82 1.30 14.60 1.28 1.90 0.17

59 19.99 1.75 17.61 1.54 16.18 1.42 15.71 1.37 15.47 1.35 1.95 0.17

60 21.42 1.87 18.80 1.65 17.24 1.51 16.71 1.46 16.46 1.44 2.00 0.18

61 23.23 2.03 20.28 1.77 18.52 1.62 17.93 1.57 17.63 1.54

62 25.05 2.19 21.91 1.92 19.93 1.74 19.27 1.69 18.94 1.66

63 26.31 2.30 23.98 2.10 21.70 1.90 20.94 1.83 20.56 1.80

64 27.60 2.42 25.37 2.22 24.04 2.10 23.13 2.02 22.67 1.98

65 28.74 2.51 26.47 2.32 25.10 2.20 24.65 2.16 24.42 2.14





Total Disability

Premium Rate


20 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

21 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

22 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

23 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

24 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

25 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

26 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

27 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

28 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

29 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

30 4.36 0.38 3.04 0.27 2.26 0.20 2.07 0.18 1.98 0.17 6.00 1.00 0.09

31 4.43 0.39 3.12 0.27 2.33 0.20 2.15 0.19 2.05 0.18 6.10 1.00 0.09

32 4.51 0.39 3.20 0.28 2.41 0.21 2.21 0.19 2.12 0.19 6.20 1.00 0.09

33 4.60 0.40 3.29 0.29 2.50 0.22 2.29 0.20 2.20 0.19 6.30 1.00 0.09

34 4.70 0.41 3.38 0.30 2.60 0.23 2.38 0.21 2.29 0.20 6.40 1.00 0.09

35 4.80 0.42 3.49 0.31 2.70 0.24 2.48 0.22 2.38 0.21 6.50 1.00 0.09

36 4.92 0.43 3.60 0.32 2.81 0.25 2.57 0.22 2.49 0.22 6.60 1.00 0.09

37 5.05 0.44 3.72 0.33 2.93 0.26 2.68 0.23 2.60 0.23 6.70 1.00 0.09

38 5.19 0.45 3.86 0.34 3.07 0.27 2.81 0.25 2.72 0.24 6.80 1.00 0.09

39 5.35 0.47 4.02 0.35 3.22 0.28 2.95 0.26 2.85 0.25 6.90 1.00 0.09

40 5.52 0.48 4.18 0.37 3.38 0.30 3.11 0.27 2.98 0.26 7.00 1.00 0.09

41 5.71 0.50 4.37 0.38 3.55 0.31 3.29 0.29 3.16 0.28 7.10 1.03 0.09

42 5.91 0.52 4.55 0.40 3.75 0.33 3.48 0.30 3.34 0.29 7.20 1.05 0.09

43 6.13 0.54 4.76 0.42 3.95 0.35 3.67 0.32 3.54 0.31 7.30 1.08 0.09

44 6.37 0.56 4.98 0.44 4.16 0.36 3.88 0.34 3.75 0.33 7.40 1.10 0.10

45 6.61 0.58 5.23 0.46 4.39 0.38 4.11 0.36 3.97 0.35 7.50 1.13 0.10

46 6.89 0.60 5.48 0.48 4.63 0.41 4.35 0.38 4.21 0.37 7.60 1.15 0.10

47 7.17 0.63 5.74 0.50 4.90 0.43 4.61 0.40 4.47 0.39 7.70 1.18 0.10

48 7.49 0.66 6.04 0.53 5.16 0.45 4.87 0.43 4.73 0.41 7.80 1.20 0.11

49 7.82 0.68 6.35 0.56 5.46 0.48 5.16 0.45 5.02 0.44 7.90 1.23 0.11

50 8.18 0.72 6.68 0.58 5.76 0.50 5.47 0.48 5.31 0.46 8.00 1.25 0.11

51 8.57 0.75 7.02 0.61 6.08 0.53 5.78 0.51 5.62 0.49 8.40 1.35 0.12

52 8.99 0.79 7.39 0.65 6.44 0.56 6.12 0.54 5.95 0.52 8.80 1.45 0.13

53 9.43 0.83 7.78 0.68 6.79 0.59 6.46 0.57 6.29 0.55 9.20 1.55 0.14

54 9.89 0.87 8.18 0.72 7.15 0.63 6.81 0.60 6.64 0.58 9.60 1.65 0.14

55 10.40 0.91 8.60 0.75 7.54 0.66 7.17 0.63 7.00 0.61 10.00 1.75 0.15

56 10.96 0.96 9.08 0.79 7.94 0.69 7.57 0.66 7.38 0.65 1.80 0.16

57 11.57 1.01 9.58 0.84 8.38 0.73 7.99 0.70 7.78 0.68 1.85 0.16

58 12.28 1.07 10.14 0.89 8.86 0.78 8.43 0.74 8.22 0.72 1.90 0.17

59 13.09 1.15 10.78 0.94 9.38 0.82 8.92 0.78 8.69 0.76 1.95 0.17

60 14.06 1.23 11.52 1.01 9.99 0.87 9.48 0.83 9.23 0.81 2.00 0.18

61 15.31 1.34 12.44 1.09 10.71 0.94 10.14 0.89 9.86 0.86

62 16.69 1.46 13.46 1.18 11.54 1.01 10.89 0.95 10.57 0.92

63 17.85 1.56 14.78 1.29 12.56 1.10 11.81 1.03 11.44 1.00

64 18.73 1.64 16.58 1.45 13.92 1.22 13.02 1.14 12.57 1.10

65 19.49 1.71 17.29 1.51 15.83 1.39 14.70 1.29 14.12 1.24





Total Disability

Premium Rate


20 6.95 0.61 5.62 0.49 3.21 0.28 2.90 0.25 2.78 0.24 6.00 1.00 0.09

21 6.95 0.61 5.62 0.49 3.29 0.29 2.97 0.26 2.86 0.25 6.00 1.00 0.09

22 6.95 0.61 5.62 0.49 3.38 0.30 3.06 0.27 2.95 0.26 6.00 1.00 0.09

23 6.95 0.61 5.62 0.49 3.48 0.30 3.16 0.28 3.05 0.27 6.00 1.00 0.09

24 6.95 0.61 5.62 0.49 3.61 0.32 3.29 0.29 3.17 0.28 6.00 1.00 0.09

25 6.95 0.61 5.62 0.49 3.75 0.33 3.43 0.30 3.30 0.29 6.00 1.00 0.09

26 6.95 0.61 5.62 0.49 3.93 0.34 3.60 0.32 3.45 0.30 6.00 1.00 0.09

27 6.95 0.61 5.62 0.49 4.10 0.36 3.78 0.33 3.62 0.32 6.00 1.00 0.09

28 6.95 0.61 5.62 0.49 4.30 0.38 3.98 0.35 3.83 0.34 6.00 1.00 0.09

29 6.95 0.61 5.62 0.49 4.52 0.40 4.20 0.37 4.04 0.35 6.00 1.00 0.09

30 6.95 0.61 5.62 0.49 4.59 0.40 4.32 0.38 4.19 0.37 6.00 1.00 0.09

31 6.95 0.61 5.62 0.49 4.83 0.42 4.57 0.40 4.43 0.39 6.10 1.00 0.09

32 7.22 0.63 5.89 0.52 5.09 0.45 4.83 0.42 4.70 0.41 6.20 1.00 0.09

33 7.49 0.66 6.17 0.54 5.37 0.47 5.10 0.45 4.97 0.43 6.30 1.00 0.09

34 7.80 0.68 6.47 0.57 5.67 0.50 5.40 0.47 5.27 0.46 6.40 1.00 0.09

35 8.13 0.71 6.79 0.59 6.00 0.53 5.72 0.50 5.59 0.49 6.50 1.00 0.09

36 8.49 0.74 7.15 0.63 6.35 0.56 6.07 0.53 5.94 0.52 6.60 1.00 0.09

37 8.88 0.78 7.54 0.66 6.73 0.59 6.46 0.57 6.33 0.55 6.70 1.00 0.09

38 9.32 0.82 7.96 0.70 7.15 0.63 6.88 0.60 6.74 0.59 6.80 1.00 0.09

39 9.78 0.86 8.43 0.74 7.61 0.67 7.34 0.64 7.19 0.63 6.90 1.00 0.09

40 10.30 0.90 8.92 0.78 8.11 0.71 7.83 0.69 7.69 0.67 7.00 1.00 0.09

41 10.85 0.95 9.47 0.83 8.64 0.76 8.36 0.73 8.23 0.72 7.10 1.03 0.09

42 11.44 1.00 10.04 0.88 9.21 0.81 8.93 0.78 8.79 0.77 7.20 1.05 0.09

43 12.08 1.06 10.67 0.93 9.82 0.86 9.54 0.83 9.41 0.82 7.30 1.08 0.09

44 12.75 1.12 11.33 0.99 10.47 0.92 10.19 0.89 10.04 0.88 7.40 1.10 0.10

45 13.48 1.18 12.03 1.05 11.17 0.98 10.88 0.95 10.74 0.94 7.50 1.13 0.10

46 14.25 1.25 12.78 1.12 11.90 1.04 11.61 1.02 11.46 1.00 7.60 1.15 0.10

47 15.07 1.32 13.57 1.19 12.68 1.11 12.39 1.08 12.23 1.07 7.70 1.18 0.10

48 15.94 1.39 14.42 1.26 13.51 1.18 13.20 1.16 13.06 1.14 7.80 1.20 0.11

49 16.86 1.48 15.31 1.34 14.38 1.26 14.07 1.23 13.92 1.22 7.90 1.23 0.11

50 17.84 1.56 16.25 1.42 15.29 1.34 14.97 1.31 14.82 1.30 8.00 1.25 0.11

51 18.87 1.65 17.23 1.51 16.25 1.42 15.92 1.39 15.76 1.38 8.40 1.35 0.12

52 19.94 1.74 18.26 1.60 17.25 1.51 16.91 1.48 16.74 1.46 8.80 1.45 0.13

53 21.05 1.84 19.32 1.69 18.27 1.60 17.92 1.57 17.74 1.55 9.20 1.55 0.14

54 22.23 1.95 20.42 1.79 19.33 1.69 18.96 1.66 18.78 1.64 9.60 1.65 0.14

55 23.43 2.05 21.54 1.88 20.39 1.78 20.02 1.75 19.82 1.73 10.00 1.75 0.15

56 24.72 2.16 22.72 1.99 21.52 1.88 21.12 1.85 20.92 1.83 1.80 0.16

57 26.09 2.28 23.97 2.10 22.70 1.99 22.28 1.95 22.07 1.93 1.85 0.16

58 27.59 2.41 25.32 2.22 23.96 2.10 23.51 2.06 23.28 2.04 1.90 0.17

59 29.24 2.56 26.79 2.34 25.32 2.22 24.83 2.17 24.59 2.15 1.95 0.17

60 31.12 2.72 28.42 2.49 26.81 2.35 26.28 2.30 26.00 2.28 2.00 0.18

61 33.42 2.92 30.38 2.66 28.57 2.50 27.96 2.45 27.65 2.42

62 35.92 3.14 32.53 2.85 30.49 2.67 29.81 2.61 29.48 2.58

63 39.06 3.42 35.16 3.08 32.81 2.87 32.04 2.80 31.65 2.77

64 41.71 3.65 38.65 3.38 35.84 3.14 34.90 3.05 34.44 3.01

65 43.13 3.77 40.76 3.57 39.33 3.44 38.84 3.40 38.26 3.35





Total Disability

Premium Rate


20 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.06 0.09 9.00 1.00 0.09

21 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.08 0.09 9.00 1.00 0.09

22 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.10 0.10 9.00 1.00 0.09

23 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.13 0.10 9.00 1.00 0.09

24 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.18 0.10 9.00 1.00 0.09

25 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.21 0.11 9.00 1.00 0.09

26 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.27 0.11 9.00 1.00 0.09

27 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.32 0.12 9.00 1.00 0.09

28 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.36 0.12 9.00 1.00 0.09

29 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.42 0.12 9.00 1.00 0.09

30 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.44 0.13 9.00 1.00 0.09

31 3.82 0.33 2.51 0.22 1.77 0.15 1.58 0.14 1.50 0.13 9.20 1.00 0.09

32 3.88 0.34 2.57 0.22 1.83 0.16 1.65 0.14 1.56 0.14 9.30 1.00 0.09

33 3.96 0.35 2.65 0.23 1.89 0.17 1.72 0.15 1.63 0.14 9.50 1.00 0.09

34 4.05 0.35 2.73 0.24 1.97 0.17 1.78 0.16 1.69 0.15 9.60 1.00 0.09

35 4.14 0.36 2.82 0.25 2.05 0.18 1.87 0.16 1.77 0.15 9.80 1.00 0.09

36 4.22 0.37 2.92 0.26 2.12 0.19 1.95 0.17 1.86 0.16 9.90 1.00 0.09

37 4.33 0.38 3.01 0.26 2.22 0.19 2.04 0.18 1.95 0.17 10.10 1.00 0.09

38 4.44 0.39 3.12 0.27 2.33 0.20 2.12 0.19 2.04 0.18 10.20 1.00 0.09

39 4.57 0.40 3.23 0.28 2.44 0.21 2.22 0.19 2.13 0.19 10.40 1.00 0.09

40 4.69 0.41 3.36 0.29 2.56 0.22 2.33 0.20 2.23 0.20 10.50 1.00 0.09

41 4.82 0.42 3.49 0.31 2.68 0.23 2.43 0.21 2.34 0.20 10.70 1.03 0.09

42 4.96 0.43 3.62 0.32 2.82 0.25 2.54 0.22 2.45 0.21 10.80 1.05 0.09

43 5.12 0.45 3.76 0.33 2.95 0.26 2.67 0.23 2.57 0.22 11.00 1.08 0.09

44 5.29 0.46 3.92 0.34 3.10 0.27 2.83 0.25 2.70 0.24 11.10 1.10 0.10

45 5.47 0.48 4.08 0.36 3.26 0.29 2.97 0.26 2.84 0.25 11.30 1.13 0.10

46 5.67 0.50 4.26 0.37 3.42 0.30 3.14 0.27 3.00 0.26 11.40 1.15 0.10

47 5.87 0.51 4.46 0.39 3.60 0.32 3.32 0.29 3.18 0.28 11.60 1.18 0.10

48 6.11 0.53 4.66 0.41 3.80 0.33 3.51 0.31 3.37 0.29 11.70 1.20 0.11

49 6.36 0.56 4.88 0.43 4.00 0.35 3.72 0.33 3.56 0.31 11.90 1.23 0.11

50 6.63 0.58 5.14 0.45 4.24 0.37 3.93 0.34 3.78 0.33 12.00 1.25 0.11

51 6.94 0.61 5.40 0.47 4.48 0.39 4.17 0.36 4.02 0.35 12.60 1.35 0.12

52 7.26 0.64 5.68 0.50 4.73 0.41 4.41 0.39 4.26 0.37 13.20 1.45 0.13

53 7.62 0.67 5.98 0.52 5.01 0.44 4.68 0.41 4.51 0.39 13.80 1.55 0.14

54 8.02 0.70 6.31 0.55 5.30 0.46 4.96 0.43 4.79 0.42 14.40 1.65 0.14

55 8.45 0.74 6.68 0.58 5.61 0.49 5.26 0.46 5.08 0.44 15.00 1.75 0.15

56 8.93 0.78 7.06 0.62 5.95 0.52 5.58 0.49 5.39 0.47 1.80 0.16

57 9.49 0.83 7.51 0.66 6.33 0.55 5.93 0.52 5.73 0.50 1.85 0.16

58 10.13 0.89 8.01 0.70 6.73 0.59 6.31 0.55 6.11 0.53 1.90 0.17

59 10.88 0.95 8.58 0.75 7.21 0.63 6.74 0.59 6.51 0.57 1.95 0.17

60 11.79 1.03 9.26 0.81 7.76 0.68 7.25 0.63 7.00 0.61 2.00 0.18

61 12.85 1.12 10.13 0.89 8.42 0.74 7.84 0.69 7.56 0.66

62 13.55 1.19 11.09 0.97 9.16 0.80 8.53 0.75 8.21 0.72

63 14.31 1.25 12.27 1.07 10.12 0.89 9.38 0.82 9.02 0.79

64 15.11 1.32 12.99 1.14 11.41 1.00 10.52 0.92 10.08 0.88

65 15.84 1.39 13.67 1.20 12.38 1.08 11.94 1.04 11.54 1.01





Total Disability

Premium Rate


20 5.54 0.48 4.22 0.37 2.13 0.19 1.90 0.17 1.79 0.16 9.00 1.00 0.09

21 5.54 0.48 4.22 0.37 2.21 0.19 1.98 0.17 1.86 0.16 9.00 1.00 0.09

22 5.54 0.48 4.22 0.37 2.29 0.20 2.06 0.18 1.95 0.17 9.00 1.00 0.09

23 5.54 0.48 4.22 0.37 2.38 0.21 2.15 0.19 2.04 0.18 9.00 1.00 0.09

24 5.54 0.48 4.22 0.37 2.49 0.22 2.24 0.20 2.13 0.19 9.00 1.00 0.09

25 5.54 0.48 4.22 0.37 2.62 0.23 2.37 0.21 2.24 0.20 9.00 1.00 0.09

26 5.54 0.48 4.22 0.37 2.75 0.24 2.49 0.22 2.38 0.21 9.00 1.00 0.09

27 5.54 0.48 4.22 0.37 2.90 0.25 2.62 0.23 2.51 0.22 9.00 1.00 0.09

28 5.54 0.48 4.22 0.37 3.06 0.27 2.76 0.24 2.64 0.23 9.00 1.00 0.09

29 5.54 0.48 4.22 0.37 3.22 0.28 2.90 0.25 2.79 0.24 9.00 1.00 0.09

30 5.54 0.48 4.22 0.37 3.26 0.29 2.99 0.26 2.90 0.25 9.00 1.00 0.09

31 5.54 0.48 4.22 0.37 3.43 0.30 3.17 0.28 3.06 0.27 9.20 1.00 0.09

32 5.74 0.50 4.42 0.39 3.63 0.32 3.37 0.29 3.23 0.28 9.30 1.00 0.09

33 5.95 0.52 4.63 0.41 3.84 0.34 3.58 0.31 3.44 0.30 9.50 1.00 0.09

34 6.17 0.54 4.85 0.42 4.06 0.36 3.80 0.33 3.66 0.32 9.60 1.00 0.09

35 6.41 0.56 5.09 0.45 4.29 0.38 4.03 0.35 3.89 0.34 9.80 1.00 0.09

36 6.68 0.58 5.35 0.47 4.55 0.40 4.28 0.37 4.15 0.36 9.90 1.00 0.09

37 6.95 0.61 5.62 0.49 4.82 0.42 4.55 0.40 4.42 0.39 10.10 1.00 0.09

38 7.25 0.63 5.91 0.52 5.10 0.45 4.84 0.42 4.71 0.41 10.20 1.00 0.09

39 7.57 0.66 6.22 0.54 5.41 0.47 5.14 0.45 5.01 0.44 10.40 1.00 0.09

40 7.89 0.69 6.53 0.57 5.72 0.50 5.45 0.48 5.31 0.46 10.50 1.00 0.09

41 8.23 0.72 6.86 0.60 6.05 0.53 5.78 0.51 5.64 0.49 10.70 1.03 0.09

42 8.59 0.75 7.22 0.63 6.39 0.56 6.12 0.54 5.98 0.52 10.80 1.05 0.09

43 8.98 0.79 7.59 0.66 6.75 0.59 6.48 0.57 6.34 0.55 11.00 1.08 0.09

44 9.37 0.82 7.98 0.70 7.13 0.62 6.85 0.60 6.71 0.59 11.10 1.10 0.10

45 9.80 0.86 8.38 0.73 7.54 0.66 7.25 0.63 7.11 0.62 11.30 1.13 0.10

46 10.25 0.90 8.81 0.77 7.95 0.70 7.67 0.67 7.52 0.66 11.40 1.15 0.10

47 10.74 0.94 9.27 0.81 8.39 0.73 8.11 0.71 7.95 0.70 11.60 1.18 0.10

48 11.24 0.98 9.76 0.85 8.87 0.78 8.57 0.75 8.43 0.74 11.70 1.20 0.11

49 11.79 1.03 10.27 0.90 9.37 0.82 9.06 0.79 8.91 0.78 11.90 1.23 0.11

50 12.38 1.08 10.82 0.95 9.89 0.87 9.58 0.84 9.43 0.83 12.00 1.25 0.11

51 12.99 1.14 11.40 1.00 10.45 0.91 10.13 0.89 9.97 0.87 12.60 1.35 0.12

52 13.65 1.19 12.01 1.05 11.02 0.96 10.69 0.94 10.54 0.92 13.20 1.45 0.13

53 14.34 1.25 12.65 1.11 11.64 1.02 11.30 0.99 11.13 0.97 13.80 1.55 0.14

54 15.08 1.32 13.32 1.17 12.27 1.07 11.91 1.04 11.74 1.03 14.40 1.65 0.14

55 15.88 1.39 14.05 1.23 12.94 1.13 12.57 1.10 12.39 1.08 15.00 1.75 0.15

56 16.75 1.47 14.82 1.30 13.65 1.19 13.27 1.16 13.07 1.14 1.80 0.16

57 17.70 1.55 15.64 1.37 14.41 1.26 14.00 1.23 13.81 1.21 1.85 0.16

58 18.77 1.64 16.58 1.45 15.26 1.34 14.82 1.30 14.60 1.28 1.90 0.17

59 19.99 1.75 17.61 1.54 16.18 1.42 15.71 1.37 15.47 1.35 1.95 0.17

60 21.42 1.87 18.80 1.65 17.24 1.51 16.71 1.46 16.46 1.44 2.00 0.18

61 23.23 2.03 20.28 1.77 18.52 1.62 17.93 1.57 17.63 1.54

62 25.05 2.19 21.91 1.92 19.93 1.74 19.27 1.69 18.94 1.66

63 26.31 2.30 23.98 2.10 21.70 1.90 20.94 1.83 20.56 1.80

64 27.60 2.42 25.37 2.22 24.04 2.10 23.13 2.02 22.67 1.98

65 28.74 2.51 26.47 2.32 25.10 2.20 24.65 2.16 24.42 2.14





Total Disability

Premium Rate


20 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

21 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

22 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

23 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

24 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

25 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

26 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

27 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

28 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

29 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

30 3.96 0.35 2.76 0.24 2.05 0.18 1.88 0.16 1.80 0.16 6.00 1.00 0.09

31 4.03 0.35 2.84 0.25 2.12 0.19 1.95 0.17 1.86 0.16 6.10 1.00 0.09

32 4.10 0.36 2.91 0.25 2.19 0.19 2.01 0.18 1.93 0.17 6.20 1.00 0.09

33 4.18 0.37 2.99 0.26 2.27 0.20 2.08 0.18 2.00 0.18 6.30 1.00 0.09

34 4.27 0.37 3.07 0.27 2.36 0.21 2.16 0.19 2.08 0.18 6.40 1.00 0.09

35 4.36 0.38 3.17 0.28 2.45 0.21 2.25 0.20 2.16 0.19 6.50 1.00 0.09

36 4.47 0.39 3.27 0.29 2.55 0.22 2.34 0.20 2.26 0.20 6.60 1.00 0.09

37 4.59 0.40 3.38 0.30 2.66 0.23 2.44 0.21 2.36 0.21 6.70 1.00 0.09

38 4.72 0.41 3.51 0.31 2.79 0.24 2.55 0.22 2.47 0.22 6.80 1.00 0.09

39 4.86 0.43 3.65 0.32 2.93 0.26 2.68 0.23 2.59 0.23 6.90 1.00 0.09

40 5.02 0.44 3.80 0.33 3.07 0.27 2.83 0.25 2.71 0.24 7.00 1.00 0.09

41 5.19 0.45 3.97 0.35 3.23 0.28 2.99 0.26 2.87 0.25 7.10 1.03 0.09

42 5.37 0.47 4.14 0.36 3.41 0.30 3.16 0.28 3.04 0.27 7.20 1.05 0.09

43 5.57 0.49 4.33 0.38 3.59 0.31 3.34 0.29 3.22 0.28 7.30 1.08 0.09

44 5.79 0.51 4.53 0.40 3.78 0.33 3.53 0.31 3.41 0.30 7.40 1.10 0.10

45 6.01 0.53 4.75 0.42 3.99 0.35 3.74 0.33 3.61 0.32 7.50 1.13 0.10

46 6.26 0.55 4.98 0.44 4.21 0.37 3.95 0.35 3.83 0.34 7.60 1.15 0.10

47 6.52 0.57 5.22 0.46 4.45 0.39 4.19 0.37 4.06 0.36 7.70 1.18 0.10

48 6.81 0.60 5.49 0.48 4.69 0.41 4.43 0.39 4.30 0.38 7.80 1.20 0.11

49 7.11 0.62 5.77 0.50 4.96 0.43 4.69 0.41 4.56 0.40 7.90 1.23 0.11

50 7.44 0.65 6.07 0.53 5.24 0.46 4.97 0.43 4.83 0.42 8.00 1.25 0.11

51 7.79 0.68 6.38 0.56 5.53 0.48 5.25 0.46 5.11 0.45 8.40 1.35 0.12

52 8.17 0.71 6.72 0.59 5.85 0.51 5.56 0.49 5.41 0.47 8.80 1.45 0.13

53 8.57 0.75 7.07 0.62 6.17 0.54 5.87 0.51 5.72 0.50 9.20 1.55 0.14

54 8.99 0.79 7.44 0.65 6.50 0.57 6.19 0.54 6.04 0.53 9.60 1.65 0.14

55 9.45 0.83 7.82 0.68 6.85 0.60 6.52 0.57 6.36 0.56 10.00 1.75 0.15

56 9.96 0.87 8.25 0.72 7.22 0.63 6.88 0.60 6.71 0.59 1.80 0.16

57 10.52 0.92 8.71 0.76 7.62 0.67 7.26 0.64 7.07 0.62 1.85 0.16

58 11.16 0.98 9.22 0.81 8.05 0.70 7.66 0.67 7.47 0.65 1.90 0.17

59 11.90 1.04 9.80 0.86 8.53 0.75 8.11 0.71 7.90 0.69 1.95 0.17

60 12.78 1.12 10.47 0.92 9.08 0.79 8.62 0.75 8.39 0.73 2.00 0.18

61 13.92 1.22 11.31 0.99 9.74 0.85 9.22 0.81 8.96 0.78

62 15.17 1.33 12.24 1.07 10.49 0.92 9.90 0.87 9.61 0.84

63 16.23 1.42 13.44 1.18 11.42 1.00 10.74 0.94 10.40 0.91

64 17.03 1.49 15.07 1.32 12.65 1.11 11.84 1.04 11.43 1.00

65 17.72 1.55 15.72 1.38 14.39 1.26 13.36 1.17 12.84 1.12





Total Disability

Premium Rate


20 6.32 0.55 5.11 0.45 2.92 0.26 2.64 0.23 2.53 0.22 6.00 1.00 0.09

21 6.32 0.55 5.11 0.45 2.99 0.26 2.70 0.24 2.60 0.23 6.00 1.00 0.09

22 6.32 0.55 5.11 0.45 3.07 0.27 2.78 0.24 2.68 0.23 6.00 1.00 0.09

23 6.32 0.55 5.11 0.45 3.16 0.28 2.87 0.25 2.77 0.24 6.00 1.00 0.09

24 6.32 0.55 5.11 0.45 3.28 0.29 2.99 0.26 2.88 0.25 6.00 1.00 0.09

25 6.32 0.55 5.11 0.45 3.41 0.30 3.12 0.27 3.00 0.26 6.00 1.00 0.09

26 6.32 0.55 5.11 0.45 3.57 0.31 3.27 0.29 3.14 0.27 6.00 1.00 0.09

27 6.32 0.55 5.11 0.45 3.73 0.33 3.44 0.30 3.29 0.29 6.00 1.00 0.09

28 6.32 0.55 5.11 0.45 3.91 0.34 3.62 0.32 3.48 0.30 6.00 1.00 0.09

29 6.32 0.55 5.11 0.45 4.11 0.36 3.82 0.33 3.67 0.32 6.00 1.00 0.09

30 6.32 0.55 5.11 0.45 4.17 0.36 3.93 0.34 3.81 0.33 6.00 1.00 0.09

31 6.32 0.55 5.11 0.45 4.39 0.38 4.15 0.36 4.03 0.35 6.10 1.00 0.09

32 6.56 0.57 5.35 0.47 4.63 0.41 4.39 0.38 4.27 0.37 6.20 1.00 0.09

33 6.81 0.60 5.61 0.49 4.88 0.43 4.64 0.41 4.52 0.40 6.30 1.00 0.09

34 7.09 0.62 5.88 0.51 5.15 0.45 4.91 0.43 4.79 0.42 6.40 1.00 0.09

35 7.39 0.65 6.17 0.54 5.45 0.48 5.20 0.46 5.08 0.44 6.50 1.00 0.09

36 7.72 0.68 6.50 0.57 5.77 0.50 5.52 0.48 5.40 0.47 6.60 1.00 0.09

37 8.07 0.71 6.85 0.60 6.12 0.54 5.87 0.51 5.75 0.50 6.70 1.00 0.09

38 8.47 0.74 7.24 0.63 6.50 0.57 6.25 0.55 6.13 0.54 6.80 1.00 0.09

39 8.89 0.78 7.66 0.67 6.92 0.61 6.67 0.58 6.54 0.57 6.90 1.00 0.09

40 9.36 0.82 8.11 0.71 7.37 0.64 7.12 0.62 6.99 0.61 7.00 1.00 0.09

41 9.86 0.86 8.61 0.75 7.85 0.69 7.60 0.67 7.48 0.65 7.10 1.03 0.09

42 10.40 0.91 9.13 0.80 8.37 0.73 8.12 0.71 7.99 0.70 7.20 1.05 0.09

43 10.98 0.96 9.70 0.85 8.93 0.78 8.67 0.76 8.55 0.75 7.30 1.08 0.09

44 11.59 1.01 10.30 0.90 9.52 0.83 9.26 0.81 9.13 0.80 7.40 1.10 0.10

45 12.25 1.07 10.94 0.96 10.15 0.89 9.89 0.87 9.76 0.85 7.50 1.13 0.10

46 12.95 1.13 11.62 1.02 10.82 0.95 10.55 0.92 10.42 0.91 7.60 1.15 0.10

47 13.70 1.20 12.34 1.08 11.53 1.01 11.26 0.99 11.12 0.97 7.70 1.18 0.10

48 14.49 1.27 13.11 1.15 12.28 1.07 12.00 1.05 11.87 1.04 7.80 1.20 0.11

49 15.33 1.34 13.92 1.22 13.07 1.14 12.79 1.12 12.65 1.11 7.90 1.23 0.11

50 16.22 1.42 14.77 1.29 13.90 1.22 13.61 1.19 13.47 1.18 8.00 1.25 0.11

51 17.15 1.50 15.66 1.37 14.77 1.29 14.47 1.27 14.33 1.25 8.40 1.35 0.12

52 18.13 1.59 16.60 1.45 15.68 1.37 15.37 1.34 15.22 1.33 8.80 1.45 0.13

53 19.14 1.67 17.56 1.54 16.61 1.45 16.29 1.43 16.13 1.41 9.20 1.55 0.14

54 20.21 1.77 18.56 1.62 17.57 1.54 17.24 1.51 17.07 1.49 9.60 1.65 0.14

55 21.30 1.86 19.58 1.71 18.54 1.62 18.20 1.59 18.02 1.58 10.00 1.75 0.15

56 22.47 1.97 20.65 1.81 19.56 1.71 19.20 1.68 19.02 1.66 1.80 0.16

57 23.72 2.08 21.79 1.91 20.64 1.81 20.25 1.77 20.06 1.76 1.85 0.16

58 25.08 2.19 23.02 2.01 21.78 1.91 21.37 1.87 21.16 1.85 1.90 0.17

59 26.58 2.33 24.35 2.13 23.02 2.01 22.57 1.97 22.35 1.96 1.95 0.17

60 28.29 2.48 25.84 2.26 24.37 2.13 23.89 2.09 23.64 2.07 2.00 0.18

61 30.38 2.66 27.62 2.42 25.97 2.27 25.42 2.22 25.14 2.20

62 32.65 2.86 29.57 2.59 27.72 2.43 27.10 2.37 26.80 2.35

63 35.51 3.11 31.96 2.80 29.83 2.61 29.13 2.55 28.77 2.52

64 37.92 3.32 35.14 3.07 32.58 2.85 31.73 2.78 31.31 2.74

65 39.21 3.43 37.05 3.24 35.75 3.13 35.31 3.09 34.78 3.04





Total Disability

Premium Rate


20 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 0.96 0.08 9.00 1.00 0.09

21 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 0.98 0.09 9.00 1.00 0.09

22 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.00 0.09 9.00 1.00 0.09

23 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.03 0.09 9.00 1.00 0.09

24 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.07 0.09 9.00 1.00 0.09

25 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.10 0.10 9.00 1.00 0.09

26 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.15 0.10 9.00 1.00 0.09

27 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.20 0.11 9.00 1.00 0.09

28 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.24 0.11 9.00 1.00 0.09

29 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.29 0.11 9.00 1.00 0.09

30 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.31 0.11 9.00 1.00 0.09

31 3.47 0.30 2.28 0.20 1.61 0.14 1.44 0.13 1.36 0.12 9.20 1.00 0.09

32 3.53 0.31 2.34 0.20 1.66 0.15 1.50 0.13 1.42 0.12 9.30 1.00 0.09

33 3.60 0.32 2.41 0.21 1.72 0.15 1.56 0.14 1.48 0.13 9.50 1.00 0.09

34 3.68 0.32 2.48 0.22 1.79 0.16 1.62 0.14 1.54 0.13 9.60 1.00 0.09

35 3.76 0.33 2.56 0.22 1.86 0.16 1.70 0.15 1.61 0.14 9.80 1.00 0.09

36 3.84 0.34 2.65 0.23 1.93 0.17 1.77 0.15 1.69 0.15 9.90 1.00 0.09

37 3.94 0.34 2.74 0.24 2.02 0.18 1.85 0.16 1.77 0.15 10.10 1.00 0.09

38 4.04 0.35 2.84 0.25 2.12 0.19 1.93 0.17 1.85 0.16 10.20 1.00 0.09

39 4.15 0.36 2.94 0.26 2.22 0.19 2.02 0.18 1.94 0.17 10.40 1.00 0.09

40 4.26 0.37 3.05 0.27 2.33 0.20 2.12 0.19 2.03 0.18 10.50 1.00 0.09

41 4.38 0.38 3.17 0.28 2.44 0.21 2.21 0.19 2.13 0.19 10.70 1.03 0.09

42 4.51 0.39 3.29 0.29 2.56 0.22 2.31 0.20 2.23 0.20 10.80 1.05 0.09

43 4.65 0.41 3.42 0.30 2.68 0.23 2.43 0.21 2.34 0.20 11.00 1.08 0.09

44 4.81 0.42 3.56 0.31 2.82 0.25 2.57 0.22 2.45 0.21 11.10 1.10 0.10

45 4.97 0.43 3.71 0.32 2.96 0.26 2.70 0.24 2.58 0.23 11.30 1.13 0.10

46 5.15 0.45 3.87 0.34 3.11 0.27 2.85 0.25 2.73 0.24 11.40 1.15 0.10

47 5.34 0.47 4.05 0.35 3.27 0.29 3.02 0.26 2.89 0.25 11.60 1.18 0.10

48 5.55 0.49 4.24 0.37 3.45 0.30 3.19 0.28 3.06 0.27 11.70 1.20 0.11

49 5.78 0.51 4.44 0.39 3.64 0.32 3.38 0.30 3.24 0.28 11.90 1.23 0.11

50 6.03 0.53 4.67 0.41 3.85 0.34 3.57 0.31 3.44 0.30 12.00 1.25 0.11

51 6.31 0.55 4.91 0.43 4.07 0.36 3.79 0.33 3.65 0.32 12.60 1.35 0.12

52 6.60 0.58 5.16 0.45 4.30 0.38 4.01 0.35 3.87 0.34 13.20 1.45 0.13

53 6.93 0.61 5.44 0.48 4.55 0.40 4.25 0.37 4.10 0.36 13.80 1.55 0.14

54 7.29 0.64 5.74 0.50 4.82 0.42 4.51 0.39 4.35 0.38 14.40 1.65 0.14

55 7.68 0.67 6.07 0.53 5.10 0.45 4.78 0.42 4.62 0.40 15.00 1.75 0.15

56 8.12 0.71 6.42 0.56 5.41 0.47 5.07 0.44 4.90 0.43 1.80 0.16

57 8.63 0.76 6.83 0.60 5.75 0.50 5.39 0.47 5.21 0.46 1.85 0.16

58 9.21 0.81 7.28 0.64 6.12 0.54 5.74 0.50 5.55 0.49 1.90 0.17

59 9.89 0.87 7.80 0.68 6.55 0.57 6.13 0.54 5.92 0.52 1.95 0.17

60 10.72 0.94 8.42 0.74 7.05 0.62 6.59 0.58 6.36 0.56 2.00 0.18

61 11.68 1.02 9.21 0.81 7.65 0.67 7.13 0.62 6.87 0.60

62 12.32 1.08 10.08 0.88 8.33 0.73 7.75 0.68 7.46 0.65

63 13.01 1.14 11.15 0.98 9.20 0.81 8.53 0.75 8.20 0.72

64 13.74 1.20 11.81 1.03 10.37 0.91 9.56 0.84 9.16 0.80

65 14.40 1.26 12.43 1.09 11.25 0.98 10.85 0.95 10.49 0.92





Total Disability

Premium Rate


20 5.04 0.44 3.84 0.34 1.94 0.17 1.73 0.15 1.63 0.14 9.00 1.00 0.09

21 5.04 0.44 3.84 0.34 2.01 0.18 1.80 0.16 1.69 0.15 9.00 1.00 0.09

22 5.04 0.44 3.84 0.34 2.08 0.18 1.87 0.16 1.77 0.15 9.00 1.00 0.09

23 5.04 0.44 3.84 0.34 2.16 0.19 1.95 0.17 1.85 0.16 9.00 1.00 0.09

24 5.04 0.44 3.84 0.34 2.26 0.20 2.04 0.18 1.94 0.17 9.00 1.00 0.09

25 5.04 0.44 3.84 0.34 2.38 0.21 2.15 0.19 2.04 0.18 9.00 1.00 0.09

26 5.04 0.44 3.84 0.34 2.50 0.22 2.26 0.20 2.16 0.19 9.00 1.00 0.09

27 5.04 0.44 3.84 0.34 2.64 0.23 2.38 0.21 2.28 0.20 9.00 1.00 0.09

28 5.04 0.44 3.84 0.34 2.78 0.24 2.51 0.22 2.40 0.21 9.00 1.00 0.09

29 5.04 0.44 3.84 0.34 2.93 0.26 2.64 0.23 2.54 0.22 9.00 1.00 0.09

30 5.04 0.44 3.84 0.34 2.96 0.26 2.72 0.24 2.64 0.23 9.00 1.00 0.09

31 5.04 0.44 3.84 0.34 3.12 0.27 2.88 0.25 2.78 0.24 9.20 1.00 0.09

32 5.22 0.46 4.02 0.35 3.30 0.29 3.06 0.27 2.94 0.26 9.30 1.00 0.09

33 5.41 0.47 4.21 0.37 3.49 0.31 3.25 0.28 3.13 0.27 9.50 1.00 0.09

34 5.61 0.49 4.41 0.39 3.69 0.32 3.45 0.30 3.33 0.29 9.60 1.00 0.09

35 5.83 0.51 4.63 0.41 3.90 0.34 3.66 0.32 3.54 0.31 9.80 1.00 0.09

36 6.07 0.53 4.86 0.43 4.14 0.36 3.89 0.34 3.77 0.33 9.90 1.00 0.09

37 6.32 0.55 5.11 0.45 4.38 0.38 4.14 0.36 4.02 0.35 10.10 1.00 0.09

38 6.59 0.58 5.37 0.47 4.64 0.41 4.40 0.39 4.28 0.37 10.20 1.00 0.09

39 6.88 0.60 5.65 0.49 4.92 0.43 4.67 0.41 4.55 0.40 10.40 1.00 0.09

40 7.17 0.63 5.94 0.52 5.20 0.46 4.95 0.43 4.83 0.42 10.50 1.00 0.09

41 7.48 0.65 6.24 0.55 5.50 0.48 5.25 0.46 5.13 0.45 10.70 1.03 0.09

42 7.81 0.68 6.56 0.57 5.81 0.51 5.56 0.49 5.44 0.48 10.80 1.05 0.09

43 8.16 0.71 6.90 0.60 6.14 0.54 5.89 0.52 5.76 0.50 11.00 1.08 0.09

44 8.52 0.75 7.25 0.63 6.48 0.57 6.23 0.55 6.10 0.53 11.10 1.10 0.10

45 8.91 0.78 7.62 0.67 6.85 0.60 6.59 0.58 6.46 0.57 11.30 1.13 0.10

46 9.32 0.82 8.01 0.70 7.23 0.63 6.97 0.61 6.84 0.60 11.40 1.15 0.10

47 9.76 0.85 8.43 0.74 7.63 0.67 7.37 0.64 7.23 0.63 11.60 1.18 0.10

48 10.22 0.89 8.87 0.78 8.06 0.71 7.79 0.68 7.66 0.67 11.70 1.20 0.11

49 10.72 0.94 9.34 0.82 8.52 0.75 8.24 0.72 8.10 0.71 11.90 1.23 0.11

50 11.25 0.98 9.84 0.86 8.99 0.79 8.71 0.76 8.57 0.75 12.00 1.25 0.11

51 11.81 1.03 10.36 0.91 9.50 0.83 9.21 0.81 9.06 0.79 12.60 1.35 0.12

52 12.41 1.09 10.92 0.96 10.02 0.88 9.72 0.85 9.58 0.84 13.20 1.45 0.13

53 13.04 1.14 11.50 1.01 10.58 0.93 10.27 0.90 10.12 0.89 13.80 1.55 0.14

54 13.71 1.20 12.11 1.06 11.15 0.98 10.83 0.95 10.67 0.93 14.40 1.65 0.14

55 14.44 1.26 12.77 1.12 11.76 1.03 11.43 1.00 11.26 0.99 15.00 1.75 0.15

56 15.23 1.33 13.47 1.18 12.41 1.09 12.06 1.06 11.88 1.04 1.80 0.16

57 16.09 1.41 14.22 1.24 13.10 1.15 12.73 1.11 12.55 1.10 1.85 0.16

58 17.06 1.49 15.07 1.32 13.87 1.21 13.47 1.18 13.27 1.16 1.90 0.17

59 18.17 1.59 16.01 1.40 14.71 1.29 14.28 1.25 14.06 1.23 1.95 0.17

60 19.47 1.70 17.09 1.50 15.67 1.37 15.19 1.33 14.96 1.31 2.00 0.18

61 21.12 1.85 18.44 1.61 16.84 1.47 16.30 1.43 16.03 1.40

62 22.77 1.99 19.92 1.74 18.12 1.59 17.52 1.53 17.22 1.51

63 23.92 2.09 21.80 1.91 19.73 1.73 19.04 1.67 18.69 1.64

64 25.09 2.20 23.06 2.02 21.85 1.91 21.03 1.84 20.61 1.80

65 26.13 2.29 24.06 2.11 22.82 2.00 22.41 1.96 22.20 1.94





Total Disability

Premium Rate


20 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

21 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

22 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

23 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

24 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

25 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

26 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

27 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

28 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

29 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

30 4.75 0.42 3.31 0.29 2.46 0.22 2.26 0.20 2.16 0.19 6.00 1.00 0.09

31 4.84 0.42 3.41 0.30 2.54 0.22 2.34 0.20 2.23 0.20 6.10 1.00 0.09

32 4.92 0.43 3.49 0.31 2.63 0.23 2.41 0.21 2.32 0.20 6.20 1.00 0.09

33 5.02 0.44 3.59 0.31 2.72 0.24 2.50 0.22 2.40 0.21 6.30 1.00 0.09

34 5.12 0.45 3.68 0.32 2.83 0.25 2.59 0.23 2.50 0.22 6.40 1.00 0.09

35 5.23 0.46 3.80 0.33 2.94 0.26 2.70 0.24 2.59 0.23 6.50 1.00 0.09

36 5.36 0.47 3.92 0.34 3.06 0.27 2.81 0.25 2.71 0.24 6.60 1.00 0.09

37 5.51 0.48 4.06 0.36 3.19 0.28 2.93 0.26 2.83 0.25 6.70 1.00 0.09

38 5.66 0.50 4.21 0.37 3.35 0.29 3.06 0.27 2.96 0.26 6.80 1.00 0.09

39 5.83 0.51 4.38 0.38 3.52 0.31 3.22 0.28 3.11 0.27 6.90 1.00 0.09

40 6.02 0.53 4.56 0.40 3.68 0.32 3.40 0.30 3.25 0.28 7.00 1.00 0.09

41 6.23 0.55 4.76 0.42 3.88 0.34 3.59 0.31 3.44 0.30 7.10 1.03 0.09

42 6.44 0.56 4.97 0.43 4.09 0.36 3.79 0.33 3.65 0.32 7.20 1.05 0.09

43 6.68 0.58 5.20 0.46 4.31 0.38 4.01 0.35 3.86 0.34 7.30 1.08 0.09

44 6.95 0.61 5.44 0.48 4.54 0.40 4.24 0.37 4.09 0.36 7.40 1.10 0.10

45 7.21 0.63 5.70 0.50 4.79 0.42 4.49 0.39 4.33 0.38 7.50 1.13 0.10

46 7.51 0.66 5.98 0.52 5.05 0.44 4.74 0.41 4.60 0.40 7.60 1.15 0.10

47 7.82 0.68 6.26 0.55 5.34 0.47 5.03 0.44 4.87 0.43 7.70 1.18 0.10

48 8.17 0.71 6.59 0.58 5.63 0.49 5.32 0.47 5.16 0.45 7.80 1.20 0.11

49 8.53 0.75 6.92 0.61 5.95 0.52 5.63 0.49 5.47 0.48 7.90 1.23 0.11

50 8.93 0.78 7.28 0.64 6.29 0.55 5.96 0.52 5.80 0.51 8.00 1.25 0.11

51 9.35 0.82 7.66 0.67 6.64 0.58 6.30 0.55 6.13 0.54 8.40 1.35 0.12

52 9.80 0.86 8.06 0.71 7.02 0.61 6.67 0.58 6.49 0.57 8.80 1.45 0.13

53 10.28 0.90 8.48 0.74 7.40 0.65 7.04 0.62 6.86 0.60 9.20 1.55 0.14

54 10.79 0.94 8.93 0.78 7.80 0.68 7.43 0.65 7.25 0.63 9.60 1.65 0.14

55 11.34 0.99 9.38 0.82 8.22 0.72 7.82 0.68 7.63 0.67 10.00 1.75 0.15

56 11.95 1.05 9.90 0.87 8.66 0.76 8.26 0.72 8.05 0.70 1.80 0.16

57 12.62 1.10 10.45 0.91 9.14 0.80 8.71 0.76 8.48 0.74 1.85 0.16

58 13.39 1.17 11.06 0.97 9.66 0.85 9.19 0.80 8.96 0.78 1.90 0.17

59 14.28 1.25 11.76 1.03 10.24 0.90 9.73 0.85 9.48 0.83 1.95 0.17

60 15.34 1.34 12.56 1.10 10.90 0.95 10.34 0.90 10.07 0.88 2.00 0.18

61 16.70 1.46 13.57 1.19 11.69 1.02 11.06 0.97 10.75 0.94

62 18.20 1.59 14.69 1.29 12.59 1.10 11.88 1.04 11.53 1.01

63 19.48 1.70 16.13 1.41 13.70 1.20 12.89 1.13 12.48 1.09

64 20.44 1.79 18.08 1.58 15.18 1.33 14.21 1.24 13.72 1.20

65 21.26 1.86 18.86 1.65 17.27 1.51 16.03 1.40 15.41 1.35





Total Disability

Premium Rate


20 7.58 0.66 6.13 0.54 3.50 0.31 3.17 0.28 3.04 0.27 6.00 1.00 0.09

21 7.58 0.66 6.13 0.54 3.59 0.31 3.24 0.28 3.12 0.27 6.00 1.00 0.09

22 7.58 0.66 6.13 0.54 3.68 0.32 3.34 0.29 3.22 0.28 6.00 1.00 0.09

23 7.58 0.66 6.13 0.54 3.79 0.33 3.44 0.30 3.32 0.29 6.00 1.00 0.09

24 7.58 0.66 6.13 0.54 3.94 0.34 3.59 0.31 3.46 0.30 6.00 1.00 0.09

25 7.58 0.66 6.13 0.54 4.09 0.36 3.74 0.33 3.60 0.32 6.00 1.00 0.09

26 7.58 0.66 6.13 0.54 4.28 0.37 3.92 0.34 3.77 0.33 6.00 1.00 0.09

27 7.58 0.66 6.13 0.54 4.48 0.39 4.13 0.36 3.95 0.35 6.00 1.00 0.09

28 7.58 0.66 6.13 0.54 4.69 0.41 4.34 0.38 4.18 0.37 6.00 1.00 0.09

29 7.58 0.66 6.13 0.54 4.93 0.43 4.58 0.40 4.40 0.39 6.00 1.00 0.09

30 7.58 0.66 6.13 0.54 5.00 0.44 4.72 0.41 4.57 0.40 6.00 1.00 0.09

31 7.58 0.66 6.13 0.54 5.27 0.46 4.98 0.44 4.84 0.42 6.10 1.00 0.09

32 7.87 0.69 6.42 0.56 5.56 0.49 5.27 0.46 5.12 0.45 6.20 1.00 0.09

33 8.17 0.71 6.73 0.59 5.86 0.51 5.57 0.49 5.42 0.47 6.30 1.00 0.09

34 8.51 0.74 7.06 0.62 6.18 0.54 5.89 0.52 5.75 0.50 6.40 1.00 0.09

35 8.87 0.78 7.40 0.65 6.54 0.57 6.24 0.55 6.10 0.53 6.50 1.00 0.09

36 9.26 0.81 7.80 0.68 6.92 0.61 6.62 0.58 6.48 0.57 6.60 1.00 0.09

37 9.68 0.85 8.22 0.72 7.34 0.64 7.04 0.62 6.90 0.60 6.70 1.00 0.09

38 10.16 0.89 8.69 0.76 7.80 0.68 7.50 0.66 7.36 0.64 6.80 1.00 0.09

39 10.67 0.93 9.19 0.80 8.30 0.73 8.00 0.70 7.85 0.69 6.90 1.00 0.09

40 11.23 0.98 9.73 0.85 8.84 0.77 8.54 0.75 8.39 0.73 7.00 1.00 0.09

41 11.83 1.04 10.33 0.90 9.42 0.82 9.12 0.80 8.98 0.79 7.10 1.03 0.09

42 12.48 1.09 10.96 0.96 10.04 0.88 9.74 0.85 9.59 0.84 7.20 1.05 0.09

43 13.18 1.15 11.64 1.02 10.72 0.94 10.40 0.91 10.26 0.90 7.30 1.08 0.09

44 13.91 1.22 12.36 1.08 11.42 1.00 11.11 0.97 10.96 0.96 7.40 1.10 0.10

45 14.70 1.29 13.13 1.15 12.18 1.07 11.87 1.04 11.71 1.02 7.50 1.13 0.10

46 15.54 1.36 13.94 1.22 12.98 1.14 12.66 1.11 12.50 1.09 7.60 1.15 0.10

47 16.44 1.44 14.81 1.30 13.84 1.21 13.51 1.18 13.34 1.17 7.70 1.18 0.10

48 17.39 1.52 15.73 1.38 14.74 1.29 14.40 1.26 14.24 1.25 7.80 1.20 0.11

49 18.40 1.61 16.70 1.46 15.68 1.37 15.35 1.34 15.18 1.33 7.90 1.23 0.11

50 19.46 1.70 17.72 1.55 16.68 1.46 16.33 1.43 16.16 1.41 8.00 1.25 0.11

51 20.58 1.80 18.79 1.64 17.72 1.55 17.36 1.52 17.20 1.51 8.40 1.35 0.12

52 21.76 1.90 19.92 1.74 18.82 1.65 18.44 1.61 18.26 1.60 8.80 1.45 0.13

53 22.97 2.01 21.07 1.84 19.93 1.74 19.55 1.71 19.36 1.69 9.20 1.55 0.14

54 24.25 2.12 22.27 1.95 21.08 1.84 20.69 1.81 20.48 1.79 9.60 1.65 0.14

55 25.56 2.24 23.50 2.06 22.25 1.95 21.84 1.91 21.62 1.89 10.00 1.75 0.15

56 26.96 2.36 24.78 2.17 23.47 2.05 23.04 2.02 22.82 2.00 1.80 0.16

57 28.46 2.49 26.15 2.29 24.77 2.17 24.30 2.13 24.07 2.11 1.85 0.16

58 30.10 2.63 27.62 2.42 26.14 2.29 25.64 2.24 25.39 2.22 1.90 0.17

59 31.90 2.79 29.22 2.56 27.62 2.42 27.08 2.37 26.82 2.35 1.95 0.17

60 33.95 2.97 31.01 2.71 29.24 2.56 28.67 2.51 28.37 2.48 2.00 0.18

61 36.46 3.19 33.14 2.90 31.16 2.73 30.50 2.67 30.17 2.64

62 39.18 3.43 35.48 3.10 33.26 2.91 32.52 2.85 32.16 2.81

63 42.61 3.73 38.35 3.36 35.80 3.13 34.96 3.06 34.52 3.02

64 45.50 3.98 42.17 3.69 39.10 3.42 38.08 3.33 37.57 3.29

65 47.05 4.12 44.46 3.89 42.90 3.75 42.37 3.71 41.74 3.65





Total Disability

Premium Rate


20 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.15 0.10 9.00 1.00 0.09

21 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.18 0.10 9.00 1.00 0.09

22 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.20 0.11 9.00 1.00 0.09

23 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.24 0.11 9.00 1.00 0.09

24 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.28 0.11 9.00 1.00 0.09

25 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.32 0.12 9.00 1.00 0.09

26 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.38 0.12 9.00 1.00 0.09

27 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.44 0.13 9.00 1.00 0.09

28 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.49 0.13 9.00 1.00 0.09

29 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.55 0.14 9.00 1.00 0.09

30 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.57 0.14 9.00 1.00 0.09

31 4.16 0.36 2.74 0.24 1.93 0.17 1.73 0.15 1.63 0.14 9.20 1.00 0.09

32 4.24 0.37 2.81 0.25 1.99 0.17 1.80 0.16 1.70 0.15 9.30 1.00 0.09

33 4.32 0.38 2.89 0.25 2.06 0.18 1.87 0.16 1.78 0.16 9.50 1.00 0.09

34 4.42 0.39 2.98 0.26 2.15 0.19 1.94 0.17 1.85 0.16 9.60 1.00 0.09

35 4.51 0.39 3.07 0.27 2.23 0.20 2.04 0.18 1.93 0.17 9.80 1.00 0.09

36 4.61 0.40 3.18 0.28 2.32 0.20 2.12 0.19 2.03 0.18 9.90 1.00 0.09

37 4.73 0.41 3.29 0.29 2.42 0.21 2.22 0.19 2.12 0.19 10.10 1.00 0.09

38 4.85 0.42 3.41 0.30 2.54 0.22 2.32 0.20 2.22 0.19 10.20 1.00 0.09

39 4.98 0.44 3.53 0.31 2.66 0.23 2.42 0.21 2.33 0.20 10.40 1.00 0.09

40 5.11 0.45 3.66 0.32 2.80 0.25 2.54 0.22 2.44 0.21 10.50 1.00 0.09

41 5.26 0.46 3.80 0.33 2.93 0.26 2.65 0.23 2.56 0.22 10.70 1.03 0.09

42 5.41 0.47 3.95 0.35 3.07 0.27 2.77 0.24 2.68 0.23 10.80 1.05 0.09

43 5.58 0.49 4.10 0.36 3.22 0.28 2.92 0.26 2.81 0.25 11.00 1.08 0.09

44 5.77 0.50 4.27 0.37 3.38 0.30 3.08 0.27 2.94 0.26 11.10 1.10 0.10

45 5.96 0.52 4.45 0.39 3.55 0.31 3.24 0.28 3.10 0.27 11.30 1.13 0.10

46 6.18 0.54 4.64 0.41 3.73 0.33 3.42 0.30 3.28 0.29 11.40 1.15 0.10

47 6.41 0.56 4.86 0.43 3.92 0.34 3.62 0.32 3.47 0.30 11.60 1.18 0.10

48 6.66 0.58 5.09 0.45 4.14 0.36 3.83 0.34 3.67 0.32 11.70 1.20 0.11

49 6.94 0.61 5.33 0.47 4.37 0.38 4.06 0.36 3.89 0.34 11.90 1.23 0.11

50 7.24 0.63 5.60 0.49 4.62 0.40 4.28 0.37 4.13 0.36 12.00 1.25 0.11

51 7.57 0.66 5.89 0.52 4.88 0.43 4.55 0.40 4.38 0.38 12.60 1.35 0.12

52 7.92 0.69 6.19 0.54 5.16 0.45 4.81 0.42 4.64 0.41 13.20 1.45 0.13

53 8.32 0.73 6.53 0.57 5.46 0.48 5.10 0.45 4.92 0.43 13.80 1.55 0.14

54 8.75 0.77 6.89 0.60 5.78 0.51 5.41 0.47 5.22 0.46 14.40 1.65 0.14

55 9.22 0.81 7.28 0.64 6.12 0.54 5.74 0.50 5.54 0.48 15.00 1.75 0.15

56 9.74 0.85 7.70 0.67 6.49 0.57 6.08 0.53 5.88 0.51 1.80 0.16

57 10.36 0.91 8.20 0.72 6.90 0.60 6.47 0.57 6.25 0.55 1.85 0.16

58 11.05 0.97 8.74 0.76 7.34 0.64 6.89 0.60 6.66 0.58 1.90 0.17

59 11.87 1.04 9.36 0.82 7.86 0.69 7.36 0.64 7.10 0.62 1.95 0.17

60 12.86 1.13 10.10 0.88 8.46 0.74 7.91 0.69 7.63 0.67 2.00 0.18

61 14.02 1.23 11.05 0.97 9.18 0.80 8.56 0.75 8.24 0.72

62 14.78 1.29 12.10 1.06 10.00 0.88 9.30 0.81 8.95 0.78

63 15.61 1.37 13.38 1.17 11.04 0.97 10.24 0.90 9.84 0.86

64 16.49 1.44 14.17 1.24 12.44 1.09 11.47 1.00 10.99 0.96

65 17.28 1.51 14.92 1.31 13.50 1.18 13.02 1.14 12.59 1.10





Total Disability

Premium Rate


20 6.05 0.53 4.61 0.40 2.33 0.20 2.08 0.18 1.96 0.17 9.00 1.00 0.09

21 6.05 0.53 4.61 0.40 2.41 0.21 2.16 0.19 2.03 0.18 9.00 1.00 0.09

22 6.05 0.53 4.61 0.40 2.50 0.22 2.24 0.20 2.12 0.19 9.00 1.00 0.09

23 6.05 0.53 4.61 0.40 2.59 0.23 2.34 0.20 2.22 0.19 9.00 1.00 0.09

24 6.05 0.53 4.61 0.40 2.71 0.24 2.45 0.21 2.33 0.20 9.00 1.00 0.09

25 6.05 0.53 4.61 0.40 2.86 0.25 2.58 0.23 2.45 0.21 9.00 1.00 0.09

26 6.05 0.53 4.61 0.40 3.00 0.26 2.71 0.24 2.59 0.23 9.00 1.00 0.09

27 6.05 0.53 4.61 0.40 3.17 0.28 2.86 0.25 2.74 0.24 9.00 1.00 0.09

28 6.05 0.53 4.61 0.40 3.34 0.29 3.01 0.26 2.88 0.25 9.00 1.00 0.09

29 6.05 0.53 4.61 0.40 3.52 0.31 3.17 0.28 3.05 0.27 9.00 1.00 0.09

30 6.05 0.53 4.61 0.40 3.55 0.31 3.26 0.29 3.17 0.28 9.00 1.00 0.09

31 6.05 0.53 4.61 0.40 3.74 0.33 3.46 0.30 3.34 0.29 9.20 1.00 0.09

32 6.26 0.55 4.82 0.42 3.96 0.35 3.67 0.32 3.53 0.31 9.30 1.00 0.09

33 6.49 0.57 5.05 0.44 4.19 0.37 3.90 0.34 3.76 0.33 9.50 1.00 0.09

34 6.73 0.59 5.29 0.46 4.43 0.39 4.14 0.36 4.00 0.35 9.60 1.00 0.09

35 7.00 0.61 5.56 0.49 4.68 0.41 4.39 0.38 4.25 0.37 9.80 1.00 0.09

36 7.28 0.64 5.83 0.51 4.97 0.43 4.67 0.41 4.52 0.40 9.90 1.00 0.09

37 7.58 0.66 6.13 0.54 5.26 0.46 4.97 0.43 4.82 0.42 10.10 1.00 0.09

38 7.91 0.69 6.44 0.56 5.57 0.49 5.28 0.46 5.14 0.45 10.20 1.00 0.09

39 8.26 0.72 6.78 0.59 5.90 0.52 5.60 0.49 5.46 0.48 10.40 1.00 0.09

40 8.60 0.75 7.13 0.62 6.24 0.55 5.94 0.52 5.80 0.51 10.50 1.00 0.09

41 8.98 0.79 7.49 0.66 6.60 0.58 6.30 0.55 6.16 0.54 10.70 1.03 0.09

42 9.37 0.82 7.87 0.69 6.97 0.61 6.67 0.58 6.53 0.57 10.80 1.05 0.09

43 9.79 0.86 8.28 0.72 7.37 0.64 7.07 0.62 6.91 0.60 11.00 1.08 0.09

44 10.22 0.89 8.70 0.76 7.78 0.68 7.48 0.65 7.32 0.64 11.10 1.10 0.10

45 10.69 0.94 9.14 0.80 8.22 0.72 7.91 0.69 7.75 0.68 11.30 1.13 0.10

46 11.18 0.98 9.61 0.84 8.68 0.76 8.36 0.73 8.21 0.72 11.40 1.15 0.10

47 11.71 1.02 10.12 0.89 9.16 0.80 8.84 0.77 8.68 0.76 11.60 1.18 0.10

48 12.26 1.07 10.64 0.93 9.67 0.85 9.35 0.82 9.19 0.80 11.70 1.20 0.11

49 12.86 1.13 11.21 0.98 10.22 0.89 9.89 0.87 9.72 0.85 11.90 1.23 0.11

50 13.50 1.18 11.81 1.03 10.79 0.94 10.45 0.91 10.28 0.90 12.00 1.25 0.11

51 14.17 1.24 12.43 1.09 11.40 1.00 11.05 0.97 10.87 0.95 12.60 1.35 0.12

52 14.89 1.30 13.10 1.15 12.02 1.05 11.66 1.02 11.50 1.01 13.20 1.45 0.13

53 15.65 1.37 13.80 1.21 12.70 1.11 12.32 1.08 12.14 1.06 13.80 1.55 0.14

54 16.45 1.44 14.53 1.27 13.38 1.17 13.00 1.14 12.80 1.12 14.40 1.65 0.14

55 17.33 1.52 15.32 1.34 14.11 1.23 13.72 1.20 13.51 1.18 15.00 1.75 0.15

56 18.28 1.60 16.16 1.41 14.89 1.30 14.47 1.27 14.26 1.25 1.80 0.16

57 19.31 1.69 17.06 1.49 15.72 1.38 15.28 1.34 15.06 1.32 1.85 0.16

58 20.47 1.79 18.08 1.58 16.64 1.46 16.16 1.41 15.92 1.39 1.90 0.17

59 21.80 1.91 19.21 1.68 17.65 1.54 17.14 1.50 16.87 1.48 1.95 0.17

60 23.36 2.04 20.51 1.79 18.80 1.65 18.23 1.60 17.95 1.57 2.00 0.18

61 25.34 2.22 22.13 1.94 20.21 1.77 19.56 1.71 19.24 1.68

62 27.32 2.39 23.90 2.09 21.74 1.90 21.02 1.84 20.66 1.81

63 28.70 2.51 26.16 2.29 23.68 2.07 22.85 2.00 22.43 1.96

64 30.11 2.63 27.67 2.42 26.22 2.29 25.24 2.21 24.73 2.16

65 31.36 2.74 28.87 2.53 27.38 2.40 26.89 2.35 26.64 2.33





Total Disability

Premium Rate


20 4.62 0.40 3.30 0.29 2.51 0.22 1.87 0.16 1.75 0.15 6.00 1.00 0.09

21 4.62 0.40 3.30 0.29 2.51 0.22 1.88 0.16 1.76 0.15 6.00 1.00 0.09

22 4.62 0.40 3.30 0.29 2.51 0.22 1.90 0.17 1.78 0.16 6.00 1.00 0.09

23 4.62 0.40 3.30 0.29 2.51 0.22 1.94 0.17 1.82 0.16 6.00 1.00 0.09

24 4.62 0.40 3.30 0.29 2.51 0.22 1.98 0.17 1.86 0.16 6.00 1.00 0.09

25 4.62 0.40 3.30 0.29 2.51 0.22 2.02 0.18 1.91 0.17 6.00 1.00 0.09

26 4.62 0.40 3.30 0.29 2.51 0.22 2.09 0.18 1.97 0.17 6.00 1.00 0.09

27 4.62 0.40 3.30 0.29 2.51 0.22 2.16 0.19 2.05 0.18 6.00 1.00 0.09

28 4.62 0.40 3.30 0.29 2.51 0.22 2.23 0.20 2.12 0.19 6.00 1.00 0.09

29 4.62 0.40 3.30 0.29 2.51 0.22 2.31 0.20 2.20 0.19 6.00 1.00 0.09

30 4.62 0.40 3.30 0.29 2.51 0.22 2.33 0.20 2.23 0.20 6.00 1.00 0.09

31 4.72 0.41 3.40 0.30 2.61 0.23 2.42 0.21 2.33 0.20 6.10 1.00 0.09

32 4.82 0.42 3.51 0.31 2.72 0.24 2.52 0.22 2.43 0.21 6.20 1.00 0.09

33 4.93 0.43 3.62 0.32 2.83 0.25 2.62 0.23 2.53 0.22 6.30 1.00 0.09

34 5.05 0.44 3.74 0.33 2.95 0.26 2.73 0.24 2.64 0.23 6.40 1.00 0.09

35 5.18 0.45 3.86 0.34 3.08 0.27 2.85 0.25 2.76 0.24 6.50 1.00 0.09

36 5.32 0.47 4.00 0.35 3.22 0.28 2.98 0.26 2.89 0.25 6.60 1.00 0.09

37 5.48 0.48 4.17 0.36 3.38 0.30 3.12 0.27 3.04 0.27 6.70 1.00 0.09

38 5.67 0.50 4.35 0.38 3.55 0.31 3.29 0.29 3.19 0.28 6.80 1.00 0.09

39 5.85 0.51 4.53 0.40 3.74 0.33 3.48 0.30 3.36 0.29 6.90 1.00 0.09

40 6.06 0.53 4.74 0.41 3.95 0.35 3.69 0.32 3.55 0.31 7.00 1.00 0.09

41 6.29 0.55 4.96 0.43 4.17 0.36 3.91 0.34 3.77 0.33 7.10 1.03 0.09

42 6.53 0.57 5.20 0.46 4.41 0.39 4.15 0.36 4.00 0.35 7.20 1.05 0.09

43 6.80 0.60 5.46 0.48 4.66 0.41 4.39 0.38 4.26 0.37 7.30 1.08 0.09

44 7.07 0.62 5.73 0.50 4.93 0.43 4.66 0.41 4.53 0.40 7.40 1.10 0.10

45 7.38 0.65 6.03 0.53 5.23 0.46 4.95 0.43 4.82 0.42 7.50 1.13 0.10

46 7.69 0.67 6.34 0.55 5.52 0.48 5.25 0.46 5.12 0.45 7.60 1.15 0.10

47 8.04 0.70 6.67 0.58 5.85 0.51 5.58 0.49 5.45 0.48 7.70 1.18 0.10

48 8.40 0.74 7.03 0.62 6.20 0.54 5.93 0.52 5.80 0.51 7.80 1.20 0.11

49 8.80 0.77 7.41 0.65 6.58 0.58 6.30 0.55 6.16 0.54 7.90 1.23 0.11

50 9.23 0.81 7.82 0.68 6.99 0.61 6.70 0.59 6.56 0.57 8.00 1.25 0.11

51 9.68 0.85 8.26 0.72 7.40 0.65 7.12 0.62 6.97 0.61 8.40 1.35 0.12

52 10.16 0.89 8.72 0.76 7.85 0.69 7.57 0.66 7.43 0.65 8.80 1.45 0.13

53 10.69 0.94 9.22 0.81 8.34 0.73 8.05 0.70 7.90 0.69 9.20 1.55 0.14

54 11.24 0.98 9.75 0.85 8.84 0.77 8.55 0.75 8.40 0.74 9.60 1.65 0.14

55 11.84 1.04 10.31 0.90 9.39 0.82 9.09 0.80 8.93 0.78 10.00 1.75 0.15

56 12.46 1.09 10.90 0.95 9.96 0.87 9.65 0.84 9.49 0.83 1.80 0.16

57 13.12 1.15 11.52 1.01 10.55 0.92 10.23 0.90 10.08 0.88 1.85 0.16

58 13.83 1.21 12.17 1.06 11.17 0.98 10.84 0.95 10.67 0.93 1.90 0.17

59 14.56 1.27 12.84 1.12 11.80 1.03 11.46 1.00 11.29 0.99 1.95 0.17

60 15.33 1.34 13.54 1.18 12.46 1.09 12.10 1.06 11.92 1.04 2.00 0.18

61 16.17 1.41 14.21 1.24 13.05 1.14 12.65 1.11 12.46 1.09

62 17.00 1.49 14.99 1.31 13.78 1.21 13.39 1.17 13.18 1.15

63 17.85 1.56 15.77 1.38 14.54 1.27 14.12 1.24 13.92 1.22

64 18.73 1.64 16.58 1.45 15.29 1.34 14.86 1.30 14.65 1.28

65 19.49 1.71 17.29 1.51 15.97 1.40 15.53 1.36 15.31 1.34

66 20.66 1.81 18.29 1.60 16.86 1.48 16.39 1.43 16.16 1.41

67 22.12 1.94 19.49 1.71 17.91 1.57 17.39 1.52 17.13 1.50

68 24.08 2.11 21.04 1.84 19.23 1.68 18.61 1.63 18.32 1.60

69 26.90 2.35 23.21 2.03 21.00 1.84 20.26 1.77 19.89 1.74

70 29.14 2.55 26.74 2.34 23.83 2.09 22.85 2.00 22.36 1.96



July 1, 2010 2010 Series Page C.5F.1


Total Disability

Premium Rate


20 7.47 0.65 6.15 0.54 3.42 0.30 3.12 0.27 3.00 0.26 6.00 1.00 0.09

21 7.47 0.65 6.15 0.54 3.52 0.31 3.21 0.28 3.10 0.27 6.00 1.00 0.09

22 7.47 0.65 6.15 0.54 3.62 0.32 3.31 0.29 3.20 0.28 6.00 1.00 0.09

23 7.47 0.65 6.15 0.54 3.75 0.33 3.43 0.30 3.32 0.29 6.00 1.00 0.09

24 7.47 0.65 6.15 0.54 3.89 0.34 3.58 0.31 3.47 0.30 6.00 1.00 0.09

25 7.47 0.65 6.15 0.54 4.07 0.36 3.75 0.33 3.62 0.32 6.00 1.00 0.09

26 7.47 0.65 6.15 0.54 4.27 0.37 3.95 0.35 3.81 0.33 6.00 1.00 0.09

27 7.47 0.65 6.15 0.54 4.48 0.39 4.16 0.36 3.99 0.35 6.00 1.00 0.09

28 7.47 0.65 6.15 0.54 4.71 0.41 4.39 0.38 4.22 0.37 6.00 1.00 0.09

29 7.47 0.65 6.15 0.54 4.96 0.43 4.63 0.41 4.48 0.39 6.00 1.00 0.09

30 7.47 0.65 6.15 0.54 5.06 0.44 4.80 0.42 4.66 0.41 6.00 1.00 0.09

31 7.47 0.65 6.15 0.54 5.35 0.47 5.08 0.44 4.95 0.43 6.10 1.00 0.09

32 7.78 0.68 6.45 0.56 5.65 0.49 5.39 0.47 5.26 0.46 6.20 1.00 0.09

33 8.11 0.71 6.78 0.59 5.97 0.52 5.71 0.50 5.58 0.49 6.30 1.00 0.09

34 8.46 0.74 7.13 0.62 6.33 0.55 6.06 0.53 5.93 0.52 6.40 1.00 0.09

35 8.84 0.77 7.50 0.66 6.71 0.59 6.44 0.56 6.30 0.55 6.50 1.00 0.09

36 9.25 0.81 7.92 0.69 7.12 0.62 6.85 0.60 6.72 0.59 6.60 1.00 0.09

37 9.71 0.85 8.37 0.73 7.57 0.66 7.29 0.64 7.16 0.63 6.70 1.00 0.09

38 10.21 0.89 8.87 0.78 8.05 0.70 7.79 0.68 7.66 0.67 6.80 1.00 0.09

39 10.75 0.94 9.39 0.82 8.59 0.75 8.32 0.73 8.18 0.72 6.90 1.00 0.09

40 11.34 0.99 9.98 0.87 9.16 0.80 8.90 0.78 8.76 0.77 7.00 1.00 0.09

41 11.97 1.05 10.60 0.93 9.79 0.86 9.52 0.83 9.38 0.82 7.10 1.03 0.09

42 12.65 1.11 11.28 0.99 10.46 0.92 10.19 0.89 10.04 0.88 7.20 1.05 0.09

43 13.38 1.17 12.00 1.05 11.17 0.98 10.89 0.95 10.76 0.94 7.30 1.08 0.09

44 14.16 1.24 12.77 1.12 11.94 1.04 11.65 1.02 11.52 1.01 7.40 1.10 0.10

45 14.99 1.31 13.59 1.19 12.74 1.11 12.46 1.09 12.32 1.08 7.50 1.13 0.10

46 15.85 1.39 14.43 1.26 13.59 1.19 13.30 1.16 13.16 1.15 7.60 1.15 0.10

47 16.80 1.47 15.37 1.34 14.51 1.27 14.22 1.24 14.08 1.23 7.70 1.18 0.10

48 17.81 1.56 16.36 1.43 15.49 1.36 15.19 1.33 15.05 1.32 7.80 1.20 0.11

49 18.88 1.65 17.40 1.52 16.51 1.44 16.23 1.42 16.07 1.41 7.90 1.23 0.11

50 20.01 1.75 18.51 1.62 17.61 1.54 17.31 1.51 17.16 1.50 8.00 1.25 0.11

51 21.20 1.86 19.68 1.72 18.77 1.64 18.46 1.62 18.30 1.60 8.40 1.35 0.12

52 22.45 1.96 20.91 1.83 19.98 1.75 19.67 1.72 19.51 1.71 8.80 1.45 0.13

53 23.78 2.08 22.20 1.94 21.25 1.86 20.93 1.83 20.78 1.82 9.20 1.55 0.14

54 25.18 2.20 23.56 2.06 22.59 1.98 22.26 1.95 22.11 1.93 9.60 1.65 0.14

55 26.64 2.33 24.98 2.19 23.99 2.10 23.65 2.07 23.49 2.06 10.00 1.75 0.15

56 28.16 2.46 26.46 2.32 25.43 2.23 25.09 2.20 24.93 2.18 1.80 0.16

57 29.73 2.60 27.98 2.45 26.93 2.36 26.58 2.33 26.40 2.31 1.85 0.16

58 31.36 2.74 29.55 2.59 28.46 2.49 28.09 2.46 27.92 2.44 1.90 0.17

59 33.03 2.89 31.15 2.73 30.02 2.63 29.65 2.59 29.45 2.58 1.95 0.17

60 34.74 3.04 32.77 2.87 31.58 2.76 31.19 2.73 31.00 2.71 2.00 0.18

61 36.43 3.19 34.30 3.00 33.02 2.89 32.59 2.85 32.38 2.83

62 38.23 3.35 36.03 3.15 34.72 3.04 34.28 3.00 34.06 2.98

63 39.99 3.50 37.72 3.30 36.37 3.18 35.92 3.14 35.70 3.12

64 41.71 3.65 39.37 3.44 37.97 3.32 37.50 3.28 37.27 3.26

65 43.13 3.77 40.76 3.57 39.33 3.44 38.84 3.40 38.61 3.38

66 45.19 3.95 42.64 3.73 41.10 3.60 40.59 3.55 40.34 3.53

67 47.66 4.17 44.84 3.92 43.14 3.77 42.58 3.73 42.30 3.70

68 50.88 4.45 47.64 4.17 45.71 4.00 45.06 3.94 44.73 3.91

69 55.44 4.85 51.52 4.51 49.18 4.30 48.40 4.24 48.00 4.20

70 59.53 5.21 57.50 5.03 54.84 4.80 53.80 4.71 53.30 4.66





Total Disability

Premium Rate


20 3.95 0.35 2.63 0.23 1.89 0.17 1.27 0.11 1.14 0.10 9.00 1.00 0.09

21 3.95 0.35 2.63 0.23 1.89 0.17 1.29 0.11 1.17 0.10 9.00 1.00 0.09

22 3.95 0.35 2.63 0.23 1.89 0.17 1.32 0.12 1.20 0.11 9.00 1.00 0.09

23 3.95 0.35 2.63 0.23 1.89 0.17 1.35 0.12 1.24 0.11 9.00 1.00 0.09

24 3.95 0.35 2.63 0.23 1.89 0.17 1.41 0.12 1.29 0.11 9.00 1.00 0.09

25 3.95 0.35 2.63 0.23 1.89 0.17 1.45 0.13 1.34 0.12 9.00 1.00 0.09

26 3.95 0.35 2.63 0.23 1.89 0.17 1.51 0.13 1.40 0.12 9.00 1.00 0.09

27 3.95 0.35 2.63 0.23 1.89 0.17 1.57 0.14 1.46 0.13 9.00 1.00 0.09

28 3.95 0.35 2.63 0.23 1.89 0.17 1.64 0.14 1.53 0.13 9.00 1.00 0.09

29 3.95 0.35 2.63 0.23 1.89 0.17 1.71 0.15 1.58 0.14 9.00 1.00 0.09

30 3.95 0.35 2.63 0.23 1.89 0.17 1.72 0.15 1.62 0.14 9.00 1.00 0.09

31 4.03 0.35 2.71 0.24 1.97 0.17 1.78 0.16 1.69 0.15 9.20 1.00 0.09

32 4.10 0.36 2.79 0.24 2.05 0.18 1.86 0.16 1.77 0.15 9.30 1.00 0.09

33 4.20 0.37 2.88 0.25 2.12 0.19 1.95 0.17 1.86 0.16 9.50 1.00 0.09

34 4.29 0.38 2.98 0.26 2.21 0.19 2.04 0.18 1.95 0.17 9.60 1.00 0.09

35 4.40 0.39 3.09 0.27 2.31 0.20 2.13 0.19 2.04 0.18 9.80 1.00 0.09

36 4.51 0.39 3.20 0.28 2.41 0.21 2.23 0.20 2.15 0.19 9.90 1.00 0.09

37 4.63 0.41 3.32 0.29 2.53 0.22 2.34 0.20 2.26 0.20 10.10 1.00 0.09

38 4.76 0.42 3.45 0.30 2.66 0.23 2.45 0.21 2.37 0.21 10.20 1.00 0.09

39 4.91 0.43 3.59 0.31 2.81 0.25 2.59 0.23 2.50 0.22 10.40 1.00 0.09

40 5.05 0.44 3.74 0.33 2.95 0.26 2.71 0.24 2.62 0.23 10.50 1.00 0.09

41 5.21 0.46 3.89 0.34 3.10 0.27 2.85 0.25 2.76 0.24 10.70 1.03 0.09

42 5.38 0.47 4.06 0.36 3.27 0.29 3.00 0.26 2.90 0.25 10.80 1.05 0.09

43 5.56 0.49 4.24 0.37 3.43 0.30 3.17 0.28 3.05 0.27 11.00 1.08 0.09

44 5.75 0.50 4.42 0.39 3.62 0.32 3.36 0.29 3.22 0.28 11.10 1.10 0.10

45 5.96 0.52 4.62 0.40 3.82 0.33 3.55 0.31 3.42 0.30 11.30 1.13 0.10

46 6.18 0.54 4.83 0.42 4.03 0.35 3.75 0.33 3.62 0.32 11.40 1.15 0.10

47 6.42 0.56 5.06 0.44 4.26 0.37 3.98 0.35 3.85 0.34 11.60 1.18 0.10

48 6.69 0.59 5.32 0.47 4.50 0.39 4.22 0.37 4.09 0.36 11.70 1.20 0.11

49 6.96 0.61 5.59 0.49 4.76 0.42 4.49 0.39 4.35 0.38 11.90 1.23 0.11

50 7.27 0.64 5.87 0.51 5.05 0.44 4.76 0.42 4.63 0.41 12.00 1.25 0.11

51 7.60 0.67 6.19 0.54 5.35 0.47 5.07 0.44 4.93 0.43 12.60 1.35 0.12

52 7.95 0.70 6.53 0.57 5.68 0.50 5.39 0.47 5.25 0.46 13.20 1.45 0.13

53 8.35 0.73 6.90 0.60 6.03 0.53 5.73 0.50 5.59 0.49 13.80 1.55 0.14

54 8.77 0.77 7.28 0.64 6.40 0.56 6.11 0.53 5.96 0.52 14.40 1.65 0.14

55 9.22 0.81 7.71 0.67 6.80 0.60 6.50 0.57 6.35 0.56 15.00 1.75 0.15

56 9.70 0.85 8.16 0.71 7.23 0.63 6.92 0.61 6.77 0.59 1.80 0.16

57 10.23 0.90 8.65 0.76 7.69 0.67 7.37 0.64 7.22 0.63 1.85 0.16

58 10.79 0.94 9.15 0.80 8.17 0.71 7.84 0.69 7.68 0.67 1.90 0.17

59 11.41 1.00 9.70 0.85 8.69 0.76 8.35 0.73 8.17 0.71 1.95 0.17

60 12.07 1.06 10.29 0.90 9.23 0.81 8.87 0.78 8.69 0.76 2.00 0.18

61 12.85 1.12 10.91 0.95 9.76 0.85 9.37 0.82 9.19 0.80

62 13.55 1.19 11.57 1.01 10.38 0.91 9.99 0.87 9.79 0.86

63 14.31 1.25 12.27 1.07 11.04 0.97 10.63 0.93 10.43 0.91

64 15.11 1.32 12.99 1.14 11.73 1.03 11.30 0.99 11.09 0.97

65 15.84 1.39 13.67 1.20 12.38 1.08 11.94 1.04 11.72 1.03

66 16.97 1.48 14.63 1.28 13.22 1.16 12.76 1.12 12.52 1.10

67 18.41 1.61 15.81 1.38 14.23 1.25 13.72 1.20 13.45 1.18

68 20.35 1.78 17.34 1.52 15.53 1.36 14.93 1.31 14.63 1.28

69 22.02 1.93 19.49 1.71 17.29 1.51 16.56 1.45 16.19 1.42

70 23.42 2.05 21.62 1.89 20.04 1.75 19.07 1.67 18.59 1.63





Total Disability

Premium Rate


20 5.87 0.51 4.55 0.40 2.29 0.20 2.05 0.18 1.94 0.17 9.00 1.00 0.09

21 5.87 0.51 4.55 0.40 2.37 0.21 2.13 0.19 2.01 0.18 9.00 1.00 0.09

22 5.87 0.51 4.55 0.40 2.45 0.21 2.22 0.19 2.11 0.18 9.00 1.00 0.09

23 5.87 0.51 4.55 0.40 2.55 0.22 2.32 0.20 2.21 0.19 9.00 1.00 0.09

24 5.87 0.51 4.55 0.40 2.67 0.23 2.44 0.21 2.33 0.20 9.00 1.00 0.09

25 5.87 0.51 4.55 0.40 2.82 0.25 2.57 0.22 2.45 0.21 9.00 1.00 0.09

26 5.87 0.51 4.55 0.40 2.97 0.26 2.71 0.24 2.60 0.23 9.00 1.00 0.09

27 5.87 0.51 4.55 0.40 3.15 0.28 2.86 0.25 2.75 0.24 9.00 1.00 0.09

28 5.87 0.51 4.55 0.40 3.32 0.29 3.03 0.27 2.90 0.25 9.00 1.00 0.09

29 5.87 0.51 4.55 0.40 3.51 0.31 3.19 0.28 3.07 0.27 9.00 1.00 0.09

30 5.87 0.51 4.55 0.40 3.56 0.31 3.30 0.29 3.21 0.28 9.00 1.00 0.09

31 5.87 0.51 4.55 0.40 3.76 0.33 3.50 0.31 3.39 0.30 9.20 1.00 0.09

32 6.11 0.53 4.77 0.42 3.98 0.35 3.72 0.33 3.59 0.31 9.30 1.00 0.09

33 6.34 0.55 5.02 0.44 4.22 0.37 3.96 0.35 3.83 0.34 9.50 1.00 0.09

34 6.59 0.58 5.27 0.46 4.48 0.39 4.21 0.37 4.08 0.36 9.60 1.00 0.09

35 6.86 0.60 5.54 0.48 4.74 0.41 4.48 0.39 4.35 0.38 9.80 1.00 0.09

36 7.16 0.63 5.83 0.51 5.04 0.44 4.76 0.42 4.63 0.41 9.90 1.00 0.09

37 7.47 0.65 6.14 0.54 5.34 0.47 5.07 0.44 4.94 0.43 10.10 1.00 0.09

38 7.80 0.68 6.47 0.57 5.67 0.50 5.40 0.47 5.27 0.46 10.20 1.00 0.09

39 8.15 0.71 6.82 0.60 6.02 0.53 5.74 0.50 5.61 0.49 10.40 1.00 0.09

40 8.53 0.75 7.18 0.63 6.37 0.56 6.11 0.53 5.97 0.52 10.50 1.00 0.09

41 8.91 0.78 7.56 0.66 6.75 0.59 6.48 0.57 6.35 0.56 10.70 1.03 0.09

42 9.32 0.82 7.96 0.70 7.15 0.63 6.89 0.60 6.74 0.59 10.80 1.05 0.09

43 9.75 0.85 8.38 0.73 7.57 0.66 7.29 0.64 7.16 0.63 11.00 1.08 0.09

44 10.20 0.89 8.83 0.77 8.01 0.70 7.73 0.68 7.60 0.67 11.10 1.10 0.10

45 10.68 0.93 9.30 0.81 8.47 0.74 8.20 0.72 8.06 0.71 11.30 1.13 0.10

46 11.18 0.98 9.79 0.86 8.95 0.78 8.68 0.76 8.54 0.75 11.40 1.15 0.10

47 11.72 1.03 10.32 0.90 9.47 0.83 9.20 0.81 9.05 0.79 11.60 1.18 0.10

48 12.29 1.08 10.88 0.95 10.03 0.88 9.75 0.85 9.60 0.84 11.70 1.20 0.11

49 12.90 1.13 11.47 1.00 10.62 0.93 10.33 0.90 10.19 0.89 11.90 1.23 0.11

50 13.54 1.18 12.10 1.06 11.23 0.98 10.95 0.96 10.80 0.95 12.00 1.25 0.11

51 14.23 1.25 12.77 1.12 11.89 1.04 11.59 1.01 11.45 1.00 12.60 1.35 0.12

52 14.96 1.31 13.46 1.18 12.57 1.10 12.28 1.07 12.13 1.06 13.20 1.45 0.13

53 15.73 1.38 14.21 1.24 13.31 1.16 13.00 1.14 12.85 1.12 13.80 1.55 0.14

54 16.56 1.45 15.00 1.31 14.08 1.23 13.76 1.20 13.61 1.19 14.40 1.65 0.14

55 17.42 1.52 15.84 1.39 14.89 1.30 14.58 1.28 14.42 1.26 15.00 1.75 0.15

56 18.35 1.61 16.72 1.46 15.75 1.38 15.42 1.35 15.26 1.34 1.80 0.16

57 19.32 1.69 17.64 1.54 16.64 1.46 16.30 1.43 16.14 1.41 1.85 0.16

58 20.34 1.78 18.61 1.63 17.58 1.54 17.24 1.51 17.06 1.49 1.90 0.17

59 21.42 1.87 19.62 1.72 18.56 1.62 18.19 1.59 18.02 1.58 1.95 0.17

60 22.55 1.97 20.69 1.81 19.57 1.71 19.20 1.68 19.01 1.66 2.00 0.18

61 23.83 2.09 21.80 1.91 20.58 1.80 20.17 1.76 19.98 1.75

62 25.05 2.19 22.97 2.01 21.71 1.90 21.30 1.86 21.09 1.85

63 26.31 2.30 24.16 2.11 22.87 2.00 22.44 1.96 22.22 1.94

64 27.60 2.42 25.37 2.22 24.04 2.10 23.58 2.06 23.36 2.04

65 28.74 2.51 26.47 2.32 25.10 2.20 24.65 2.16 24.42 2.14

66 30.46 2.67 28.01 2.45 26.53 2.32 26.04 2.28 25.80 2.26

67 32.57 2.85 29.85 2.61 28.23 2.47 27.68 2.42 27.41 2.40

68 35.37 3.09 32.24 2.82 30.36 2.66 29.74 2.60 29.43 2.58

69 37.94 3.32 35.57 3.11 33.30 2.91 32.54 2.85 32.16 2.81

70 39.92 3.49 38.01 3.33 36.86 3.23 36.48 3.19 36.29 3.18





Total Disability

Premium Rate


20 4.62 0.40 3.30 0.29 2.51 0.22 1.87 0.16 1.75 0.15 6.00 1.00 0.09

21 4.62 0.40 3.30 0.29 2.51 0.22 1.88 0.16 1.76 0.15 6.00 1.00 0.09

22 4.62 0.40 3.30 0.29 2.51 0.22 1.90 0.17 1.78 0.16 6.00 1.00 0.09

23 4.62 0.40 3.30 0.29 2.51 0.22 1.94 0.17 1.82 0.16 6.00 1.00 0.09

24 4.62 0.40 3.30 0.29 2.51 0.22 1.98 0.17 1.86 0.16 6.00 1.00 0.09

25 4.62 0.40 3.30 0.29 2.51 0.22 2.02 0.18 1.91 0.17 6.00 1.00 0.09

26 4.62 0.40 3.30 0.29 2.51 0.22 2.09 0.18 1.97 0.17 6.00 1.00 0.09

27 4.62 0.40 3.30 0.29 2.51 0.22 2.16 0.19 2.05 0.18 6.00 1.00 0.09

28 4.62 0.40 3.30 0.29 2.51 0.22 2.23 0.20 2.12 0.19 6.00 1.00 0.09

29 4.62 0.40 3.30 0.29 2.51 0.22 2.31 0.20 2.20 0.19 6.00 1.00 0.09

30 4.62 0.40 3.30 0.29 2.51 0.22 2.33 0.20 2.23 0.20 6.00 1.00 0.09

31 4.72 0.41 3.40 0.30 2.61 0.23 2.42 0.21 2.33 0.20 6.10 1.00 0.09

32 4.82 0.42 3.51 0.31 2.72 0.24 2.52 0.22 2.43 0.21 6.20 1.00 0.09

33 4.93 0.43 3.62 0.32 2.83 0.25 2.62 0.23 2.53 0.22 6.30 1.00 0.09

34 5.05 0.44 3.74 0.33 2.95 0.26 2.73 0.24 2.64 0.23 6.40 1.00 0.09

35 5.18 0.45 3.86 0.34 3.08 0.27 2.85 0.25 2.76 0.24 6.50 1.00 0.09

36 5.32 0.47 4.00 0.35 3.22 0.28 2.98 0.26 2.89 0.25 6.60 1.00 0.09

37 5.48 0.48 4.17 0.36 3.38 0.30 3.12 0.27 3.04 0.27 6.70 1.00 0.09

38 5.67 0.50 4.35 0.38 3.55 0.31 3.29 0.29 3.19 0.28 6.80 1.00 0.09

39 5.85 0.51 4.53 0.40 3.74 0.33 3.48 0.30 3.36 0.29 6.90 1.00 0.09

40 6.06 0.53 4.74 0.41 3.95 0.35 3.69 0.32 3.55 0.31 7.00 1.00 0.09

41 6.29 0.55 4.96 0.43 4.17 0.36 3.91 0.34 3.77 0.33 7.10 1.03 0.09

42 6.53 0.57 5.20 0.46 4.41 0.39 4.15 0.36 4.00 0.35 7.20 1.05 0.09

43 6.80 0.60 5.46 0.48 4.66 0.41 4.39 0.38 4.26 0.37 7.30 1.08 0.09

44 7.07 0.62 5.73 0.50 4.93 0.43 4.66 0.41 4.53 0.40 7.40 1.10 0.10

45 7.38 0.65 6.03 0.53 5.23 0.46 4.95 0.43 4.82 0.42 7.50 1.13 0.10

46 7.69 0.67 6.34 0.55 5.52 0.48 5.25 0.46 5.12 0.45 7.60 1.15 0.10

47 8.04 0.70 6.67 0.58 5.85 0.51 5.58 0.49 5.45 0.48 7.70 1.18 0.10

48 8.40 0.74 7.03 0.62 6.20 0.54 5.93 0.52 5.80 0.51 7.80 1.20 0.11

49 8.80 0.77 7.41 0.65 6.58 0.58 6.30 0.55 6.16 0.54 7.90 1.23 0.11

50 9.23 0.81 7.82 0.68 6.99 0.61 6.70 0.59 6.56 0.57 8.00 1.25 0.11

51 9.68 0.85 8.26 0.72 7.40 0.65 7.12 0.62 6.97 0.61 8.40 1.35 0.12

52 10.16 0.89 8.72 0.76 7.85 0.69 7.57 0.66 7.43 0.65 8.80 1.45 0.13

53 10.69 0.94 9.22 0.81 8.34 0.73 8.05 0.70 7.90 0.69 9.20 1.55 0.14

54 11.24 0.98 9.75 0.85 8.84 0.77 8.55 0.75 8.40 0.74 9.60 1.65 0.14

55 11.84 1.04 10.31 0.90 9.39 0.82 9.09 0.80 8.93 0.78 10.00 1.75 0.15

56 12.46 1.09 10.90 0.95 9.96 0.87 9.65 0.84 9.49 0.83 1.80 0.16

57 13.12 1.15 11.52 1.01 10.55 0.92 10.23 0.90 10.08 0.88 1.85 0.16

58 13.83 1.21 12.17 1.06 11.17 0.98 10.84 0.95 10.67 0.93 1.90 0.17

59 14.56 1.27 12.84 1.12 11.80 1.03 11.46 1.00 11.29 0.99 1.95 0.17

60 15.33 1.34 13.54 1.18 12.46 1.09 12.10 1.06 11.92 1.04 2.00 0.18

61 16.17 1.41 14.21 1.24 13.05 1.14 12.65 1.11 12.46 1.09

62 17.00 1.49 14.99 1.31 13.78 1.21 13.39 1.17 13.18 1.15

63 17.85 1.56 15.77 1.38 14.54 1.27 14.12 1.24 13.92 1.22

64 18.73 1.64 16.58 1.45 15.29 1.34 14.86 1.30 14.65 1.28

65 19.49 1.71 17.29 1.51 15.97 1.40 15.53 1.36 15.31 1.34

66 20.66 1.81 18.29 1.60 16.86 1.48 16.39 1.43 16.16 1.41

67 22.12 1.94 19.49 1.71 17.91 1.57 17.39 1.52 17.13 1.50

68 24.08 2.11 21.04 1.84 19.23 1.68 18.61 1.63 18.32 1.60

69 26.90 2.35 23.21 2.03 21.00 1.84 20.26 1.77 19.89 1.74

70 29.14 2.55 26.74 2.34 23.83 2.09 22.85 2.00 22.36 1.96





Total Disability

Premium Rate


20 7.47 0.65 6.15 0.54 3.42 0.30 3.12 0.27 3.00 0.26 6.00 1.00 0.09

21 7.47 0.65 6.15 0.54 3.52 0.31 3.21 0.28 3.10 0.27 6.00 1.00 0.09

22 7.47 0.65 6.15 0.54 3.62 0.32 3.31 0.29 3.20 0.28 6.00 1.00 0.09

23 7.47 0.65 6.15 0.54 3.75 0.33 3.43 0.30 3.32 0.29 6.00 1.00 0.09

24 7.47 0.65 6.15 0.54 3.89 0.34 3.58 0.31 3.47 0.30 6.00 1.00 0.09

25 7.47 0.65 6.15 0.54 4.07 0.36 3.75 0.33 3.62 0.32 6.00 1.00 0.09

26 7.47 0.65 6.15 0.54 4.27 0.37 3.95 0.35 3.81 0.33 6.00 1.00 0.09

27 7.47 0.65 6.15 0.54 4.48 0.39 4.16 0.36 3.99 0.35 6.00 1.00 0.09

28 7.47 0.65 6.15 0.54 4.71 0.41 4.39 0.38 4.22 0.37 6.00 1.00 0.09

29 7.47 0.65 6.15 0.54 4.96 0.43 4.63 0.41 4.48 0.39 6.00 1.00 0.09

30 7.47 0.65 6.15 0.54 5.06 0.44 4.80 0.42 4.66 0.41 6.00 1.00 0.09

31 7.47 0.65 6.15 0.54 5.35 0.47 5.08 0.44 4.95 0.43 6.10 1.00 0.09

32 7.78 0.68 6.45 0.56 5.65 0.49 5.39 0.47 5.26 0.46 6.20 1.00 0.09

33 8.11 0.71 6.78 0.59 5.97 0.52 5.71 0.50 5.58 0.49 6.30 1.00 0.09

34 8.46 0.74 7.13 0.62 6.33 0.55 6.06 0.53 5.93 0.52 6.40 1.00 0.09

35 8.84 0.77 7.50 0.66 6.71 0.59 6.44 0.56 6.30 0.55 6.50 1.00 0.09

36 9.25 0.81 7.92 0.69 7.12 0.62 6.85 0.60 6.72 0.59 6.60 1.00 0.09

37 9.71 0.85 8.37 0.73 7.57 0.66 7.29 0.64 7.16 0.63 6.70 1.00 0.09

38 10.21 0.89 8.87 0.78 8.05 0.70 7.79 0.68 7.66 0.67 6.80 1.00 0.09

39 10.75 0.94 9.39 0.82 8.59 0.75 8.32 0.73 8.18 0.72 6.90 1.00 0.09

40 11.34 0.99 9.98 0.87 9.16 0.80 8.90 0.78 8.76 0.77 7.00 1.00 0.09

41 11.97 1.05 10.60 0.93 9.79 0.86 9.52 0.83 9.38 0.82 7.10 1.03 0.09

42 12.65 1.11 11.28 0.99 10.46 0.92 10.19 0.89 10.04 0.88 7.20 1.05 0.09

43 13.38 1.17 12.00 1.05 11.17 0.98 10.89 0.95 10.76 0.94 7.30 1.08 0.09

44 14.16 1.24 12.77 1.12 11.94 1.04 11.65 1.02 11.52 1.01 7.40 1.10 0.10

45 14.99 1.31 13.59 1.19 12.74 1.11 12.46 1.09 12.32 1.08 7.50 1.13 0.10

46 15.85 1.39 14.43 1.26 13.59 1.19 13.30 1.16 13.16 1.15 7.60 1.15 0.10

47 16.80 1.47 15.37 1.34 14.51 1.27 14.22 1.24 14.08 1.23 7.70 1.18 0.10

48 17.81 1.56 16.36 1.43 15.49 1.36 15.19 1.33 15.05 1.32 7.80 1.20 0.11

49 18.88 1.65 17.40 1.52 16.51 1.44 16.23 1.42 16.07 1.41 7.90 1.23 0.11

50 20.01 1.75 18.51 1.62 17.61 1.54 17.31 1.51 17.16 1.50 8.00 1.25 0.11

51 21.20 1.86 19.68 1.72 18.77 1.64 18.46 1.62 18.30 1.60 8.40 1.35 0.12

52 22.45 1.96 20.91 1.83 19.98 1.75 19.67 1.72 19.51 1.71 8.80 1.45 0.13

53 23.78 2.08 22.20 1.94 21.25 1.86 20.93 1.83 20.78 1.82 9.20 1.55 0.14

54 25.18 2.20 23.56 2.06 22.59 1.98 22.26 1.95 22.11 1.93 9.60 1.65 0.14

55 26.64 2.33 24.98 2.19 23.99 2.10 23.65 2.07 23.49 2.06 10.00 1.75 0.15

56 28.16 2.46 26.46 2.32 25.43 2.23 25.09 2.20 24.93 2.18 1.80 0.16

57 29.73 2.60 27.98 2.45 26.93 2.36 26.58 2.33 26.40 2.31 1.85 0.16

58 31.36 2.74 29.55 2.59 28.46 2.49 28.09 2.46 27.92 2.44 1.90 0.17

59 33.03 2.89 31.15 2.73 30.02 2.63 29.65 2.59 29.45 2.58 1.95 0.17

60 34.74 3.04 32.77 2.87 31.58 2.76 31.19 2.73 31.00 2.71 2.00 0.18

61 36.43 3.19 34.30 3.00 33.02 2.89 32.59 2.85 32.38 2.83

62 38.23 3.35 36.03 3.15 34.72 3.04 34.28 3.00 34.06 2.98

63 39.99 3.50 37.72 3.30 36.37 3.18 35.92 3.14 35.70 3.12

64 41.71 3.65 39.37 3.44 37.97 3.32 37.50 3.28 37.27 3.26

65 43.13 3.77 40.76 3.57 39.33 3.44 38.84 3.40 38.61 3.38

66 45.19 3.95 42.64 3.73 41.10 3.60 40.59 3.55 40.34 3.53

67 47.66 4.17 44.84 3.92 43.14 3.77 42.58 3.73 42.30 3.70

68 50.88 4.45 47.64 4.17 45.71 4.00 45.06 3.94 44.73 3.91

69 55.44 4.85 51.52 4.51 49.18 4.30 48.40 4.24 48.00 4.20

70 59.53 5.21 57.50 5.03 54.84 4.80 53.80 4.71 53.30 4.66





Total Disability

Premium Rate


20 3.95 0.35 2.63 0.23 1.89 0.17 1.27 0.11 1.14 0.10 9.00 1.00 0.09

21 3.95 0.35 2.63 0.23 1.89 0.17 1.29 0.11 1.17 0.10 9.00 1.00 0.09

22 3.95 0.35 2.63 0.23 1.89 0.17 1.32 0.12 1.20 0.11 9.00 1.00 0.09

23 3.95 0.35 2.63 0.23 1.89 0.17 1.35 0.12 1.24 0.11 9.00 1.00 0.09

24 3.95 0.35 2.63 0.23 1.89 0.17 1.41 0.12 1.29 0.11 9.00 1.00 0.09

25 3.95 0.35 2.63 0.23 1.89 0.17 1.45 0.13 1.34 0.12 9.00 1.00 0.09

26 3.95 0.35 2.63 0.23 1.89 0.17 1.51 0.13 1.40 0.12 9.00 1.00 0.09

27 3.95 0.35 2.63 0.23 1.89 0.17 1.57 0.14 1.46 0.13 9.00 1.00 0.09

28 3.95 0.35 2.63 0.23 1.89 0.17 1.64 0.14 1.53 0.13 9.00 1.00 0.09

29 3.95 0.35 2.63 0.23 1.89 0.17 1.71 0.15 1.58 0.14 9.00 1.00 0.09

30 3.95 0.35 2.63 0.23 1.89 0.17 1.72 0.15 1.62 0.14 9.00 1.00 0.09

31 4.03 0.35 2.71 0.24 1.97 0.17 1.78 0.16 1.69 0.15 9.20 1.00 0.09

32 4.10 0.36 2.79 0.24 2.05 0.18 1.86 0.16 1.77 0.15 9.30 1.00 0.09

33 4.20 0.37 2.88 0.25 2.12 0.19 1.95 0.17 1.86 0.16 9.50 1.00 0.09

34 4.29 0.38 2.98 0.26 2.21 0.19 2.04 0.18 1.95 0.17 9.60 1.00 0.09

35 4.40 0.39 3.09 0.27 2.31 0.20 2.13 0.19 2.04 0.18 9.80 1.00 0.09

36 4.51 0.39 3.20 0.28 2.41 0.21 2.23 0.20 2.15 0.19 9.90 1.00 0.09

37 4.63 0.41 3.32 0.29 2.53 0.22 2.34 0.20 2.26 0.20 10.10 1.00 0.09

38 4.76 0.42 3.45 0.30 2.66 0.23 2.45 0.21 2.37 0.21 10.20 1.00 0.09

39 4.91 0.43 3.59 0.31 2.81 0.25 2.59 0.23 2.50 0.22 10.40 1.00 0.09

40 5.05 0.44 3.74 0.33 2.95 0.26 2.71 0.24 2.62 0.23 10.50 1.00 0.09

41 5.21 0.46 3.89 0.34 3.10 0.27 2.85 0.25 2.76 0.24 10.70 1.03 0.09

42 5.38 0.47 4.06 0.36 3.27 0.29 3.00 0.26 2.90 0.25 10.80 1.05 0.09

43 5.56 0.49 4.24 0.37 3.43 0.30 3.17 0.28 3.05 0.27 11.00 1.08 0.09

44 5.75 0.50 4.42 0.39 3.62 0.32 3.36 0.29 3.22 0.28 11.10 1.10 0.10

45 5.96 0.52 4.62 0.40 3.82 0.33 3.55 0.31 3.42 0.30 11.30 1.13 0.10

46 6.18 0.54 4.83 0.42 4.03 0.35 3.75 0.33 3.62 0.32 11.40 1.15 0.10

47 6.42 0.56 5.06 0.44 4.26 0.37 3.98 0.35 3.85 0.34 11.60 1.18 0.10

48 6.69 0.59 5.32 0.47 4.50 0.39 4.22 0.37 4.09 0.36 11.70 1.20 0.11

49 6.96 0.61 5.59 0.49 4.76 0.42 4.49 0.39 4.35 0.38 11.90 1.23 0.11

50 7.27 0.64 5.87 0.51 5.05 0.44 4.76 0.42 4.63 0.41 12.00 1.25 0.11

51 7.60 0.67 6.19 0.54 5.35 0.47 5.07 0.44 4.93 0.43 12.60 1.35 0.12

52 7.95 0.70 6.53 0.57 5.68 0.50 5.39 0.47 5.25 0.46 13.20 1.45 0.13

53 8.35 0.73 6.90 0.60 6.03 0.53 5.73 0.50 5.59 0.49 13.80 1.55 0.14

54 8.77 0.77 7.28 0.64 6.40 0.56 6.11 0.53 5.96 0.52 14.40 1.65 0.14

55 9.22 0.81 7.71 0.67 6.80 0.60 6.50 0.57 6.35 0.56 15.00 1.75 0.15

56 9.70 0.85 8.16 0.71 7.23 0.63 6.92 0.61 6.77 0.59 1.80 0.16

57 10.23 0.90 8.65 0.76 7.69 0.67 7.37 0.64 7.22 0.63 1.85 0.16

58 10.79 0.94 9.15 0.80 8.17 0.71 7.84 0.69 7.68 0.67 1.90 0.17

59 11.41 1.00 9.70 0.85 8.69 0.76 8.35 0.73 8.17 0.71 1.95 0.17

60 12.07 1.06 10.29 0.90 9.23 0.81 8.87 0.78 8.69 0.76 2.00 0.18

61 12.85 1.12 10.91 0.95 9.76 0.85 9.37 0.82 9.19 0.80

62 13.55 1.19 11.57 1.01 10.38 0.91 9.99 0.87 9.79 0.86

63 14.31 1.25 12.27 1.07 11.04 0.97 10.63 0.93 10.43 0.91

64 15.11 1.32 12.99 1.14 11.73 1.03 11.30 0.99 11.09 0.97

65 15.84 1.39 13.67 1.20 12.38 1.08 11.94 1.04 11.72 1.03

66 16.97 1.48 14.63 1.28 13.22 1.16 12.76 1.12 12.52 1.10

67 18.41 1.61 15.81 1.38 14.23 1.25 13.72 1.20 13.45 1.18

68 20.35 1.78 17.34 1.52 15.53 1.36 14.93 1.31 14.63 1.28

69 22.02 1.93 19.49 1.71 17.29 1.51 16.56 1.45 16.19 1.42

70 23.42 2.05 21.62 1.89 20.04 1.75 19.07 1.67 18.59 1.63





Total Disability

Premium Rate


20 5.87 0.51 4.55 0.40 2.29 0.20 2.05 0.18 1.94 0.17 9.00 1.00 0.09

21 5.87 0.51 4.55 0.40 2.37 0.21 2.13 0.19 2.01 0.18 9.00 1.00 0.09

22 5.87 0.51 4.55 0.40 2.45 0.21 2.22 0.19 2.11 0.18 9.00 1.00 0.09

23 5.87 0.51 4.55 0.40 2.55 0.22 2.32 0.20 2.21 0.19 9.00 1.00 0.09

24 5.87 0.51 4.55 0.40 2.67 0.23 2.44 0.21 2.33 0.20 9.00 1.00 0.09

25 5.87 0.51 4.55 0.40 2.82 0.25 2.57 0.22 2.45 0.21 9.00 1.00 0.09

26 5.87 0.51 4.55 0.40 2.97 0.26 2.71 0.24 2.60 0.23 9.00 1.00 0.09

27 5.87 0.51 4.55 0.40 3.15 0.28 2.86 0.25 2.75 0.24 9.00 1.00 0.09

28 5.87 0.51 4.55 0.40 3.32 0.29 3.03 0.27 2.90 0.25 9.00 1.00 0.09

29 5.87 0.51 4.55 0.40 3.51 0.31 3.19 0.28 3.07 0.27 9.00 1.00 0.09

30 5.87 0.51 4.55 0.40 3.56 0.31 3.30 0.29 3.21 0.28 9.00 1.00 0.09

31 5.87 0.51 4.55 0.40 3.76 0.33 3.50 0.31 3.39 0.30 9.20 1.00 0.09

32 6.11 0.53 4.77 0.42 3.98 0.35 3.72 0.33 3.59 0.31 9.30 1.00 0.09

33 6.34 0.55 5.02 0.44 4.22 0.37 3.96 0.35 3.83 0.34 9.50 1.00 0.09

34 6.59 0.58 5.27 0.46 4.48 0.39 4.21 0.37 4.08 0.36 9.60 1.00 0.09

35 6.86 0.60 5.54 0.48 4.74 0.41 4.48 0.39 4.35 0.38 9.80 1.00 0.09

36 7.16 0.63 5.83 0.51 5.04 0.44 4.76 0.42 4.63 0.41 9.90 1.00 0.09

37 7.47 0.65 6.14 0.54 5.34 0.47 5.07 0.44 4.94 0.43 10.10 1.00 0.09

38 7.80 0.68 6.47 0.57 5.67 0.50 5.40 0.47 5.27 0.46 10.20 1.00 0.09

39 8.15 0.71 6.82 0.60 6.02 0.53 5.74 0.50 5.61 0.49 10.40 1.00 0.09

40 8.53 0.75 7.18 0.63 6.37 0.56 6.11 0.53 5.97 0.52 10.50 1.00 0.09

41 8.91 0.78 7.56 0.66 6.75 0.59 6.48 0.57 6.35 0.56 10.70 1.03 0.09

42 9.32 0.82 7.96 0.70 7.15 0.63 6.89 0.60 6.74 0.59 10.80 1.05 0.09

43 9.75 0.85 8.38 0.73 7.57 0.66 7.29 0.64 7.16 0.63 11.00 1.08 0.09

44 10.20 0.89 8.83 0.77 8.01 0.70 7.73 0.68 7.60 0.67 11.10 1.10 0.10

45 10.68 0.93 9.30 0.81 8.47 0.74 8.20 0.72 8.06 0.71 11.30 1.13 0.10

46 11.18 0.98 9.79 0.86 8.95 0.78 8.68 0.76 8.54 0.75 11.40 1.15 0.10

47 11.72 1.03 10.32 0.90 9.47 0.83 9.20 0.81 9.05 0.79 11.60 1.18 0.10

48 12.29 1.08 10.88 0.95 10.03 0.88 9.75 0.85 9.60 0.84 11.70 1.20 0.11

49 12.90 1.13 11.47 1.00 10.62 0.93 10.33 0.90 10.19 0.89 11.90 1.23 0.11

50 13.54 1.18 12.10 1.06 11.23 0.98 10.95 0.96 10.80 0.95 12.00 1.25 0.11

51 14.23 1.25 12.77 1.12 11.89 1.04 11.59 1.01 11.45 1.00 12.60 1.35 0.12

52 14.96 1.31 13.46 1.18 12.57 1.10 12.28 1.07 12.13 1.06 13.20 1.45 0.13

53 15.73 1.38 14.21 1.24 13.31 1.16 13.00 1.14 12.85 1.12 13.80 1.55 0.14

54 16.56 1.45 15.00 1.31 14.08 1.23 13.76 1.20 13.61 1.19 14.40 1.65 0.14

55 17.42 1.52 15.84 1.39 14.89 1.30 14.58 1.28 14.42 1.26 15.00 1.75 0.15

56 18.35 1.61 16.72 1.46 15.75 1.38 15.42 1.35 15.26 1.34 1.80 0.16

57 19.32 1.69 17.64 1.54 16.64 1.46 16.30 1.43 16.14 1.41 1.85 0.16

58 20.34 1.78 18.61 1.63 17.58 1.54 17.24 1.51 17.06 1.49 1.90 0.17

59 21.42 1.87 19.62 1.72 18.56 1.62 18.19 1.59 18.02 1.58 1.95 0.17

60 22.55 1.97 20.69 1.81 19.57 1.71 19.20 1.68 19.01 1.66 2.00 0.18

61 23.83 2.09 21.80 1.91 20.58 1.80 20.17 1.76 19.98 1.75

62 25.05 2.19 22.97 2.01 21.71 1.90 21.30 1.86 21.09 1.85

63 26.31 2.30 24.16 2.11 22.87 2.00 22.44 1.96 22.22 1.94

64 27.60 2.42 25.37 2.22 24.04 2.10 23.58 2.06 23.36 2.04

65 28.74 2.51 26.47 2.32 25.10 2.20 24.65 2.16 24.42 2.14

66 30.46 2.67 28.01 2.45 26.53 2.32 26.04 2.28 25.80 2.26

67 32.57 2.85 29.85 2.61 28.23 2.47 27.68 2.42 27.41 2.40

68 35.37 3.09 32.24 2.82 30.36 2.66 29.74 2.60 29.43 2.58

69 37.94 3.32 35.57 3.11 33.30 2.91 32.54 2.85 32.16 2.81

70 39.92 3.49 38.01 3.33 36.86 3.23 36.48 3.19 36.29 3.18





Total Disability

Premium Rate


20 4.20 0.37 3.00 0.26 2.28 0.20 1.70 0.15 1.59 0.14 6.00 1.00 0.09

21 4.20 0.37 3.00 0.26 2.28 0.20 1.71 0.15 1.60 0.14 6.00 1.00 0.09

22 4.20 0.37 3.00 0.26 2.28 0.20 1.73 0.15 1.62 0.14 6.00 1.00 0.09

23 4.20 0.37 3.00 0.26 2.28 0.20 1.76 0.15 1.65 0.14 6.00 1.00 0.09

24 4.20 0.37 3.00 0.26 2.28 0.20 1.80 0.16 1.69 0.15 6.00 1.00 0.09

25 4.20 0.37 3.00 0.26 2.28 0.20 1.84 0.16 1.74 0.15 6.00 1.00 0.09

26 4.20 0.37 3.00 0.26 2.28 0.20 1.90 0.17 1.79 0.16 6.00 1.00 0.09

27 4.20 0.37 3.00 0.26 2.28 0.20 1.96 0.17 1.86 0.16 6.00 1.00 0.09

28 4.20 0.37 3.00 0.26 2.28 0.20 2.03 0.18 1.93 0.17 6.00 1.00 0.09

29 4.20 0.37 3.00 0.26 2.28 0.20 2.10 0.18 2.00 0.18 6.00 1.00 0.09

30 4.20 0.37 3.00 0.26 2.28 0.20 2.12 0.19 2.03 0.18 6.00 1.00 0.09

31 4.29 0.38 3.09 0.27 2.37 0.21 2.20 0.19 2.12 0.19 6.10 1.00 0.09

32 4.38 0.38 3.19 0.28 2.47 0.22 2.29 0.20 2.21 0.19 6.20 1.00 0.09

33 4.48 0.39 3.29 0.29 2.57 0.22 2.38 0.21 2.30 0.20 6.30 1.00 0.09

34 4.59 0.40 3.40 0.30 2.68 0.23 2.48 0.22 2.40 0.21 6.40 1.00 0.09

35 4.71 0.41 3.51 0.31 2.80 0.25 2.59 0.23 2.51 0.22 6.50 1.00 0.09

36 4.84 0.42 3.64 0.32 2.93 0.26 2.71 0.24 2.63 0.23 6.60 1.00 0.09

37 4.98 0.44 3.79 0.33 3.07 0.27 2.84 0.25 2.76 0.24 6.70 1.00 0.09

38 5.15 0.45 3.95 0.35 3.23 0.28 2.99 0.26 2.90 0.25 6.80 1.00 0.09

39 5.32 0.47 4.12 0.36 3.40 0.30 3.16 0.28 3.05 0.27 6.90 1.00 0.09

40 5.51 0.48 4.31 0.38 3.59 0.31 3.35 0.29 3.23 0.28 7.00 1.00 0.09

41 5.72 0.50 4.51 0.39 3.79 0.33 3.55 0.31 3.43 0.30 7.10 1.03 0.09

42 5.94 0.52 4.73 0.41 4.01 0.35 3.77 0.33 3.64 0.32 7.20 1.05 0.09

43 6.18 0.54 4.96 0.43 4.24 0.37 3.99 0.35 3.87 0.34 7.30 1.08 0.09

44 6.43 0.56 5.21 0.46 4.48 0.39 4.24 0.37 4.12 0.36 7.40 1.10 0.10

45 6.71 0.59 5.48 0.48 4.75 0.42 4.50 0.39 4.38 0.38 7.50 1.13 0.10

46 6.99 0.61 5.76 0.50 5.02 0.44 4.77 0.42 4.65 0.41 7.60 1.15 0.10

47 7.31 0.64 6.06 0.53 5.32 0.47 5.07 0.44 4.95 0.43 7.70 1.18 0.10

48 7.64 0.67 6.39 0.56 5.64 0.49 5.39 0.47 5.27 0.46 7.80 1.20 0.11

49 8.00 0.70 6.74 0.59 5.98 0.52 5.73 0.50 5.60 0.49 7.90 1.23 0.11

50 8.39 0.73 7.11 0.62 6.35 0.56 6.09 0.53 5.96 0.52 8.00 1.25 0.11

51 8.80 0.77 7.51 0.66 6.73 0.59 6.47 0.57 6.34 0.55 8.40 1.35 0.12

52 9.24 0.81 7.93 0.69 7.14 0.62 6.88 0.60 6.75 0.59 8.80 1.45 0.13

53 9.72 0.85 8.38 0.73 7.58 0.66 7.32 0.64 7.18 0.63 9.20 1.55 0.14

54 10.22 0.89 8.86 0.78 8.04 0.70 7.77 0.68 7.64 0.67 9.60 1.65 0.14

55 10.76 0.94 9.37 0.82 8.54 0.75 8.26 0.72 8.12 0.71 10.00 1.75 0.15

56 11.33 0.99 9.91 0.87 9.05 0.79 8.77 0.77 8.63 0.76 1.80 0.16

57 11.93 1.04 10.47 0.92 9.59 0.84 9.30 0.81 9.16 0.80 1.85 0.16

58 12.57 1.10 11.06 0.97 10.15 0.89 9.85 0.86 9.70 0.85 1.90 0.17

59 13.24 1.16 11.67 1.02 10.73 0.94 10.42 0.91 10.26 0.90 1.95 0.17

60 13.94 1.22 12.31 1.08 11.33 0.99 11.00 0.96 10.84 0.95 2.00 0.18

61 14.70 1.29 12.92 1.13 11.86 1.04 11.50 1.01 11.33 0.99

62 15.45 1.35 13.63 1.19 12.53 1.10 12.17 1.06 11.98 1.05

63 16.23 1.42 14.34 1.25 13.22 1.16 12.84 1.12 12.65 1.11

64 17.03 1.49 15.07 1.32 13.90 1.22 13.51 1.18 13.32 1.17

65 17.72 1.55 15.72 1.38 14.52 1.27 14.12 1.24 13.92 1.22

66 18.78 1.64 16.63 1.46 15.33 1.34 14.90 1.30 14.69 1.29

67 20.11 1.76 17.72 1.55 16.28 1.42 15.81 1.38 15.57 1.36

68 21.89 1.92 19.13 1.67 17.48 1.53 16.92 1.48 16.65 1.46

69 24.45 2.14 21.10 1.85 19.09 1.67 18.42 1.61 18.08 1.58

70 26.49 2.32 24.31 2.13 21.66 1.90 20.77 1.82 20.33 1.78





Total Disability

Premium Rate


20 6.79 0.59 5.59 0.49 3.11 0.27 2.84 0.25 2.73 0.24 6.00 1.00 0.09

21 6.79 0.59 5.59 0.49 3.20 0.28 2.92 0.26 2.82 0.25 6.00 1.00 0.09

22 6.79 0.59 5.59 0.49 3.29 0.29 3.01 0.26 2.91 0.25 6.00 1.00 0.09

23 6.79 0.59 5.59 0.49 3.41 0.30 3.12 0.27 3.02 0.26 6.00 1.00 0.09

24 6.79 0.59 5.59 0.49 3.54 0.31 3.25 0.28 3.15 0.28 6.00 1.00 0.09

25 6.79 0.59 5.59 0.49 3.70 0.32 3.41 0.30 3.29 0.29 6.00 1.00 0.09

26 6.79 0.59 5.59 0.49 3.88 0.34 3.59 0.31 3.46 0.30 6.00 1.00 0.09

27 6.79 0.59 5.59 0.49 4.07 0.36 3.78 0.33 3.63 0.32 6.00 1.00 0.09

28 6.79 0.59 5.59 0.49 4.28 0.37 3.99 0.35 3.84 0.34 6.00 1.00 0.09

29 6.79 0.59 5.59 0.49 4.51 0.39 4.21 0.37 4.07 0.36 6.00 1.00 0.09

30 6.79 0.59 5.59 0.49 4.60 0.40 4.36 0.38 4.24 0.37 6.00 1.00 0.09

31 6.79 0.59 5.59 0.49 4.86 0.43 4.62 0.40 4.50 0.39 6.10 1.00 0.09

32 7.07 0.62 5.86 0.51 5.14 0.45 4.90 0.43 4.78 0.42 6.20 1.00 0.09

33 7.37 0.64 6.16 0.54 5.43 0.48 5.19 0.45 5.07 0.44 6.30 1.00 0.09

34 7.69 0.67 6.48 0.57 5.75 0.50 5.51 0.48 5.39 0.47 6.40 1.00 0.09

35 8.04 0.70 6.82 0.60 6.10 0.53 5.85 0.51 5.73 0.50 6.50 1.00 0.09

36 8.41 0.74 7.20 0.63 6.47 0.57 6.23 0.55 6.11 0.53 6.60 1.00 0.09

37 8.83 0.77 7.61 0.67 6.88 0.60 6.63 0.58 6.51 0.57 6.70 1.00 0.09

38 9.28 0.81 8.06 0.71 7.32 0.64 7.08 0.62 6.96 0.61 6.80 1.00 0.09

39 9.77 0.85 8.54 0.75 7.81 0.68 7.56 0.66 7.44 0.65 6.90 1.00 0.09

40 10.31 0.90 9.07 0.79 8.33 0.73 8.09 0.71 7.96 0.70 7.00 1.00 0.09

41 10.88 0.95 9.64 0.84 8.90 0.78 8.65 0.76 8.53 0.75 7.10 1.03 0.09

42 11.50 1.01 10.25 0.90 9.51 0.83 9.26 0.81 9.13 0.80 7.20 1.05 0.09

43 12.16 1.06 10.91 0.95 10.15 0.89 9.90 0.87 9.78 0.86 7.30 1.08 0.09

44 12.87 1.13 11.61 1.02 10.85 0.95 10.59 0.93 10.47 0.92 7.40 1.10 0.10

45 13.63 1.19 12.35 1.08 11.58 1.01 11.33 0.99 11.20 0.98 7.50 1.13 0.10

46 14.41 1.26 13.12 1.15 12.35 1.08 12.09 1.06 11.96 1.05 7.60 1.15 0.10

47 15.27 1.34 13.97 1.22 13.19 1.15 12.93 1.13 12.80 1.12 7.70 1.18 0.10

48 16.19 1.42 14.87 1.30 14.08 1.23 13.81 1.21 13.68 1.20 7.80 1.20 0.11

49 17.16 1.50 15.82 1.38 15.01 1.31 14.75 1.29 14.61 1.28 7.90 1.23 0.11

50 18.19 1.59 16.83 1.47 16.01 1.40 15.74 1.38 15.60 1.37 8.00 1.25 0.11

51 19.27 1.69 17.89 1.57 17.06 1.49 16.78 1.47 16.64 1.46 8.40 1.35 0.12

52 20.41 1.79 19.01 1.66 18.16 1.59 17.88 1.56 17.74 1.55 8.80 1.45 0.13

53 21.62 1.89 20.18 1.77 19.32 1.69 19.03 1.67 18.89 1.65 9.20 1.55 0.14

54 22.89 2.00 21.42 1.87 20.54 1.80 20.24 1.77 20.10 1.76 9.60 1.65 0.14

55 24.22 2.12 22.71 1.99 21.81 1.91 21.50 1.88 21.35 1.87 10.00 1.75 0.15

56 25.60 2.24 24.05 2.10 23.12 2.02 22.81 2.00 22.66 1.98 1.80 0.16

57 27.03 2.37 25.44 2.23 24.48 2.14 24.16 2.11 24.00 2.10 1.85 0.16

58 28.51 2.49 26.86 2.35 25.87 2.26 25.54 2.23 25.38 2.22 1.90 0.17

59 30.03 2.63 28.32 2.48 27.29 2.39 26.95 2.36 26.77 2.34 1.95 0.17

60 31.58 2.76 29.79 2.61 28.71 2.51 28.35 2.48 28.18 2.47 2.00 0.18

61 33.12 2.90 31.18 2.73 30.02 2.63 29.63 2.59 29.44 2.58

62 34.75 3.04 32.75 2.87 31.56 2.76 31.16 2.73 30.96 2.71

63 36.35 3.18 34.29 3.00 33.06 2.89 32.65 2.86 32.45 2.84

64 37.92 3.32 35.79 3.13 34.52 3.02 34.09 2.98 33.88 2.96

65 39.21 3.43 37.05 3.24 35.75 3.13 35.31 3.09 35.10 3.07

66 41.08 3.59 38.76 3.39 37.36 3.27 36.90 3.23 36.67 3.21

67 43.33 3.79 40.76 3.57 39.22 3.43 38.71 3.39 38.45 3.36

68 46.25 4.05 43.31 3.79 41.55 3.64 40.96 3.58 40.66 3.56

69 50.40 4.41 46.84 4.10 44.71 3.91 44.00 3.85 43.64 3.82

70 54.12 4.74 52.27 4.57 49.85 4.36 48.91 4.28 48.45 4.24





Total Disability

Premium Rate


20 3.59 0.31 2.39 0.21 1.72 0.15 1.15 0.10 1.04 0.09 9.00 1.00 0.09

21 3.59 0.31 2.39 0.21 1.72 0.15 1.17 0.10 1.06 0.09 9.00 1.00 0.09

22 3.59 0.31 2.39 0.21 1.72 0.15 1.20 0.11 1.09 0.10 9.00 1.00 0.09

23 3.59 0.31 2.39 0.21 1.72 0.15 1.23 0.11 1.13 0.10 9.00 1.00 0.09

24 3.59 0.31 2.39 0.21 1.72 0.15 1.28 0.11 1.17 0.10 9.00 1.00 0.09

25 3.59 0.31 2.39 0.21 1.72 0.15 1.32 0.12 1.22 0.11 9.00 1.00 0.09

26 3.59 0.31 2.39 0.21 1.72 0.15 1.37 0.12 1.27 0.11 9.00 1.00 0.09

27 3.59 0.31 2.39 0.21 1.72 0.15 1.43 0.13 1.33 0.12 9.00 1.00 0.09

28 3.59 0.31 2.39 0.21 1.72 0.15 1.49 0.13 1.39 0.12 9.00 1.00 0.09

29 3.59 0.31 2.39 0.21 1.72 0.15 1.55 0.14 1.44 0.13 9.00 1.00 0.09

30 3.59 0.31 2.39 0.21 1.72 0.15 1.56 0.14 1.47 0.13 9.00 1.00 0.09

31 3.66 0.32 2.46 0.22 1.79 0.16 1.62 0.14 1.54 0.13 9.20 1.00 0.09

32 3.73 0.33 2.54 0.22 1.86 0.16 1.69 0.15 1.61 0.14 9.30 1.00 0.09

33 3.82 0.33 2.62 0.23 1.93 0.17 1.77 0.15 1.69 0.15 9.50 1.00 0.09

34 3.90 0.34 2.71 0.24 2.01 0.18 1.85 0.16 1.77 0.15 9.60 1.00 0.09

35 4.00 0.35 2.81 0.25 2.10 0.18 1.94 0.17 1.85 0.16 9.80 1.00 0.09

36 4.10 0.36 2.91 0.25 2.19 0.19 2.03 0.18 1.95 0.17 9.90 1.00 0.09

37 4.21 0.37 3.02 0.26 2.30 0.20 2.13 0.19 2.05 0.18 10.10 1.00 0.09

38 4.33 0.38 3.14 0.27 2.42 0.21 2.23 0.20 2.15 0.19 10.20 1.00 0.09

39 4.46 0.39 3.26 0.29 2.55 0.22 2.35 0.21 2.27 0.20 10.40 1.00 0.09

40 4.59 0.40 3.40 0.30 2.68 0.23 2.46 0.22 2.38 0.21 10.50 1.00 0.09

41 4.74 0.41 3.54 0.31 2.82 0.25 2.59 0.23 2.51 0.22 10.70 1.03 0.09

42 4.89 0.43 3.69 0.32 2.97 0.26 2.73 0.24 2.64 0.23 10.80 1.05 0.09

43 5.05 0.44 3.85 0.34 3.12 0.27 2.88 0.25 2.77 0.24 11.00 1.08 0.09

44 5.23 0.46 4.02 0.35 3.29 0.29 3.05 0.27 2.93 0.26 11.10 1.10 0.10

45 5.42 0.47 4.20 0.37 3.47 0.30 3.23 0.28 3.11 0.27 11.30 1.13 0.10

46 5.62 0.49 4.39 0.38 3.66 0.32 3.41 0.30 3.29 0.29 11.40 1.15 0.10

47 5.84 0.51 4.60 0.40 3.87 0.34 3.62 0.32 3.50 0.31 11.60 1.18 0.10

48 6.08 0.53 4.84 0.42 4.09 0.36 3.84 0.34 3.72 0.33 11.70 1.20 0.11

49 6.33 0.55 5.08 0.44 4.33 0.38 4.08 0.36 3.95 0.35 11.90 1.23 0.11

50 6.61 0.58 5.34 0.47 4.59 0.40 4.33 0.38 4.21 0.37 12.00 1.25 0.11

51 6.91 0.60 5.63 0.49 4.86 0.43 4.61 0.40 4.48 0.39 12.60 1.35 0.12

52 7.23 0.63 5.94 0.52 5.16 0.45 4.90 0.43 4.77 0.42 13.20 1.45 0.13

53 7.59 0.66 6.27 0.55 5.48 0.48 5.21 0.46 5.08 0.44 13.80 1.55 0.14

54 7.97 0.70 6.62 0.58 5.82 0.51 5.55 0.49 5.42 0.47 14.40 1.65 0.14

55 8.38 0.73 7.01 0.61 6.18 0.54 5.91 0.52 5.77 0.50 15.00 1.75 0.15

56 8.82 0.77 7.42 0.65 6.57 0.57 6.29 0.55 6.15 0.54 1.80 0.16

57 9.30 0.81 7.86 0.69 6.99 0.61 6.70 0.59 6.56 0.57 1.85 0.16

58 9.81 0.86 8.32 0.73 7.43 0.65 7.13 0.62 6.98 0.61 1.90 0.17

59 10.37 0.91 8.82 0.77 7.90 0.69 7.59 0.66 7.43 0.65 1.95 0.17

60 10.97 0.96 9.35 0.82 8.39 0.73 8.06 0.71 7.90 0.69 2.00 0.18

61 11.68 1.02 9.92 0.87 8.87 0.78 8.52 0.75 8.35 0.73

62 12.32 1.08 10.52 0.92 9.44 0.83 9.08 0.79 8.90 0.78

63 13.01 1.14 11.15 0.98 10.04 0.88 9.66 0.85 9.48 0.83

64 13.74 1.20 11.81 1.03 10.66 0.93 10.27 0.90 10.08 0.88

65 14.40 1.26 12.43 1.09 11.25 0.98 10.85 0.95 10.65 0.93

66 15.43 1.35 13.30 1.16 12.02 1.05 11.60 1.02 11.38 1.00

67 16.74 1.46 14.37 1.26 12.94 1.13 12.47 1.09 12.23 1.07

68 18.50 1.62 15.76 1.38 14.12 1.24 13.57 1.19 13.30 1.16

69 20.02 1.75 17.72 1.55 15.72 1.38 15.05 1.32 14.72 1.29

70 21.29 1.86 19.65 1.72 18.22 1.59 17.34 1.52 16.90 1.48





Total Disability

Premium Rate


20 5.34 0.47 4.14 0.36 2.08 0.18 1.86 0.16 1.76 0.15 9.00 1.00 0.09

21 5.34 0.47 4.14 0.36 2.15 0.19 1.94 0.17 1.83 0.16 9.00 1.00 0.09

22 5.34 0.47 4.14 0.36 2.23 0.20 2.02 0.18 1.92 0.17 9.00 1.00 0.09

23 5.34 0.47 4.14 0.36 2.32 0.20 2.11 0.18 2.01 0.18 9.00 1.00 0.09

24 5.34 0.47 4.14 0.36 2.43 0.21 2.22 0.19 2.12 0.19 9.00 1.00 0.09

25 5.34 0.47 4.14 0.36 2.56 0.22 2.34 0.20 2.23 0.20 9.00 1.00 0.09

26 5.34 0.47 4.14 0.36 2.70 0.24 2.46 0.22 2.36 0.21 9.00 1.00 0.09

27 5.34 0.47 4.14 0.36 2.86 0.25 2.60 0.23 2.50 0.22 9.00 1.00 0.09

28 5.34 0.47 4.14 0.36 3.02 0.26 2.75 0.24 2.64 0.23 9.00 1.00 0.09

29 5.34 0.47 4.14 0.36 3.19 0.28 2.90 0.25 2.79 0.24 9.00 1.00 0.09

30 5.34 0.47 4.14 0.36 3.24 0.28 3.00 0.26 2.92 0.26 9.00 1.00 0.09

31 5.34 0.47 4.14 0.36 3.42 0.30 3.18 0.28 3.08 0.27 9.20 1.00 0.09

32 5.55 0.49 4.34 0.38 3.62 0.32 3.38 0.30 3.26 0.29 9.30 1.00 0.09

33 5.76 0.50 4.56 0.40 3.84 0.34 3.60 0.32 3.48 0.30 9.50 1.00 0.09

34 5.99 0.52 4.79 0.42 4.07 0.36 3.83 0.34 3.71 0.32 9.60 1.00 0.09

35 6.24 0.55 5.04 0.44 4.31 0.38 4.07 0.36 3.95 0.35 9.80 1.00 0.09

36 6.51 0.57 5.30 0.46 4.58 0.40 4.33 0.38 4.21 0.37 9.90 1.00 0.09

37 6.79 0.59 5.58 0.49 4.85 0.42 4.61 0.40 4.49 0.39 10.10 1.00 0.09

38 7.09 0.62 5.88 0.51 5.15 0.45 4.91 0.43 4.79 0.42 10.20 1.00 0.09

39 7.41 0.65 6.20 0.54 5.47 0.48 5.22 0.46 5.10 0.45 10.40 1.00 0.09

40 7.75 0.68 6.53 0.57 5.79 0.51 5.55 0.49 5.43 0.48 10.50 1.00 0.09

41 8.10 0.71 6.87 0.60 6.14 0.54 5.89 0.52 5.77 0.50 10.70 1.03 0.09

42 8.47 0.74 7.24 0.63 6.50 0.57 6.26 0.55 6.13 0.54 10.80 1.05 0.09

43 8.86 0.78 7.62 0.67 6.88 0.60 6.63 0.58 6.51 0.57 11.00 1.08 0.09

44 9.27 0.81 8.03 0.70 7.28 0.64 7.03 0.62 6.91 0.60 11.10 1.10 0.10

45 9.71 0.85 8.45 0.74 7.70 0.67 7.45 0.65 7.33 0.64 11.30 1.13 0.10

46 10.16 0.89 8.90 0.78 8.14 0.71 7.89 0.69 7.76 0.68 11.40 1.15 0.10

47 10.65 0.93 9.38 0.82 8.61 0.75 8.36 0.73 8.23 0.72 11.60 1.18 0.10

48 11.17 0.98 9.89 0.87 9.12 0.80 8.86 0.78 8.73 0.76 11.70 1.20 0.11

49 11.73 1.03 10.43 0.91 9.65 0.84 9.39 0.82 9.26 0.81 11.90 1.23 0.11

50 12.31 1.08 11.00 0.96 10.21 0.89 9.95 0.87 9.82 0.86 12.00 1.25 0.11

51 12.94 1.13 11.61 1.02 10.81 0.95 10.54 0.92 10.41 0.91 12.60 1.35 0.12

52 13.60 1.19 12.24 1.07 11.43 1.00 11.16 0.98 11.03 0.97 13.20 1.45 0.13

53 14.30 1.25 12.92 1.13 12.10 1.06 11.82 1.03 11.68 1.02 13.80 1.55 0.14

54 15.05 1.32 13.64 1.19 12.80 1.12 12.51 1.09 12.37 1.08 14.40 1.65 0.14

55 15.84 1.39 14.40 1.26 13.54 1.18 13.25 1.16 13.11 1.15 15.00 1.75 0.15

56 16.68 1.46 15.20 1.33 14.32 1.25 14.02 1.23 13.87 1.21 1.80 0.16

57 17.56 1.54 16.04 1.40 15.13 1.32 14.82 1.30 14.67 1.28 1.85 0.16

58 18.49 1.62 16.92 1.48 15.98 1.40 15.67 1.37 15.51 1.36 1.90 0.17

59 19.47 1.70 17.84 1.56 16.87 1.48 16.54 1.45 16.38 1.43 1.95 0.17

60 20.50 1.79 18.81 1.65 17.79 1.56 17.45 1.53 17.28 1.51 2.00 0.18

61 21.66 1.90 19.82 1.73 18.71 1.64 18.34 1.60 18.16 1.59

62 22.77 1.99 20.88 1.83 19.74 1.73 19.36 1.69 19.17 1.68

63 23.92 2.09 21.96 1.92 20.79 1.82 20.40 1.79 20.20 1.77

64 25.09 2.20 23.06 2.02 21.85 1.91 21.44 1.88 21.24 1.86

65 26.13 2.29 24.06 2.11 22.82 2.00 22.41 1.96 22.20 1.94

66 27.69 2.42 25.46 2.23 24.12 2.11 23.67 2.07 23.45 2.05

67 29.61 2.59 27.14 2.37 25.66 2.25 25.16 2.20 24.92 2.18

68 32.15 2.81 29.31 2.56 27.60 2.42 27.04 2.37 26.75 2.34

69 34.49 3.02 32.34 2.83 30.27 2.65 29.58 2.59 29.24 2.56

70 36.29 3.18 34.55 3.02 33.51 2.93 33.16 2.90 32.99 2.89





Total Disability

Premium Rate


20 5.04 0.44 3.60 0.32 2.74 0.24 2.04 0.18 1.91 0.17 6.00 1.00 0.09

21 5.04 0.44 3.60 0.32 2.74 0.24 2.05 0.18 1.92 0.17 6.00 1.00 0.09

22 5.04 0.44 3.60 0.32 2.74 0.24 2.08 0.18 1.94 0.17 6.00 1.00 0.09

23 5.04 0.44 3.60 0.32 2.74 0.24 2.11 0.18 1.98 0.17 6.00 1.00 0.09

24 5.04 0.44 3.60 0.32 2.74 0.24 2.16 0.19 2.03 0.18 6.00 1.00 0.09

25 5.04 0.44 3.60 0.32 2.74 0.24 2.21 0.19 2.09 0.18 6.00 1.00 0.09

26 5.04 0.44 3.60 0.32 2.74 0.24 2.28 0.20 2.15 0.19 6.00 1.00 0.09

27 5.04 0.44 3.60 0.32 2.74 0.24 2.35 0.21 2.23 0.20 6.00 1.00 0.09

28 5.04 0.44 3.60 0.32 2.74 0.24 2.44 0.21 2.32 0.20 6.00 1.00 0.09

29 5.04 0.44 3.60 0.32 2.74 0.24 2.52 0.22 2.40 0.21 6.00 1.00 0.09

30 5.04 0.44 3.60 0.32 2.74 0.24 2.54 0.22 2.44 0.21 6.00 1.00 0.09

31 5.15 0.45 3.71 0.32 2.84 0.25 2.64 0.23 2.54 0.22 6.10 1.00 0.09

32 5.26 0.46 3.83 0.34 2.96 0.26 2.75 0.24 2.65 0.23 6.20 1.00 0.09

33 5.38 0.47 3.95 0.35 3.08 0.27 2.86 0.25 2.76 0.24 6.30 1.00 0.09

34 5.51 0.48 4.08 0.36 3.22 0.28 2.98 0.26 2.88 0.25 6.40 1.00 0.09

35 5.65 0.49 4.21 0.37 3.36 0.29 3.11 0.27 3.01 0.26 6.50 1.00 0.09

36 5.81 0.51 4.37 0.38 3.52 0.31 3.25 0.28 3.16 0.28 6.60 1.00 0.09

37 5.98 0.52 4.55 0.40 3.68 0.32 3.41 0.30 3.31 0.29 6.70 1.00 0.09

38 6.18 0.54 4.74 0.41 3.88 0.34 3.59 0.31 3.48 0.30 6.80 1.00 0.09

39 6.38 0.56 4.94 0.43 4.08 0.36 3.79 0.33 3.66 0.32 6.90 1.00 0.09

40 6.61 0.58 5.17 0.45 4.31 0.38 4.02 0.35 3.88 0.34 7.00 1.00 0.09

41 6.86 0.60 5.41 0.47 4.55 0.40 4.26 0.37 4.12 0.36 7.10 1.03 0.09

42 7.13 0.62 5.68 0.50 4.81 0.42 4.52 0.40 4.37 0.38 7.20 1.05 0.09

43 7.42 0.65 5.95 0.52 5.09 0.45 4.79 0.42 4.64 0.41 7.30 1.08 0.09

44 7.72 0.68 6.25 0.55 5.38 0.47 5.09 0.45 4.94 0.43 7.40 1.10 0.10

45 8.05 0.70 6.58 0.58 5.70 0.50 5.40 0.47 5.26 0.46 7.50 1.13 0.10

46 8.39 0.73 6.91 0.60 6.02 0.53 5.72 0.50 5.58 0.49 7.60 1.15 0.10

47 8.77 0.77 7.27 0.64 6.38 0.56 6.08 0.53 5.94 0.52 7.70 1.18 0.10

48 9.17 0.80 7.67 0.67 6.77 0.59 6.47 0.57 6.32 0.55 7.80 1.20 0.11

49 9.60 0.84 8.09 0.71 7.18 0.63 6.88 0.60 6.72 0.59 7.90 1.23 0.11

50 10.07 0.88 8.53 0.75 7.62 0.67 7.31 0.64 7.15 0.63 8.00 1.25 0.11

51 10.56 0.92 9.01 0.79 8.08 0.71 7.76 0.68 7.61 0.67 8.40 1.35 0.12

52 11.09 0.97 9.52 0.83 8.57 0.75 8.26 0.72 8.10 0.71 8.80 1.45 0.13

53 11.66 1.02 10.06 0.88 9.10 0.80 8.78 0.77 8.62 0.75 9.20 1.55 0.14

54 12.26 1.07 10.63 0.93 9.65 0.84 9.32 0.82 9.17 0.80 9.60 1.65 0.14

55 12.91 1.13 11.24 0.98 10.25 0.90 9.91 0.87 9.74 0.85 10.00 1.75 0.15

56 13.60 1.19 11.89 1.04 10.86 0.95 10.52 0.92 10.36 0.91 1.80 0.16

57 14.32 1.25 12.56 1.10 11.51 1.01 11.16 0.98 10.99 0.96 1.85 0.16

58 15.08 1.32 13.27 1.16 12.18 1.07 11.82 1.03 11.64 1.02 1.90 0.17

59 15.89 1.39 14.00 1.23 12.88 1.13 12.50 1.09 12.31 1.08 1.95 0.17

60 16.73 1.46 14.77 1.29 13.60 1.19 13.20 1.16 13.01 1.14 2.00 0.18

61 17.64 1.54 15.50 1.36 14.23 1.25 13.80 1.21 13.60 1.19

62 18.54 1.62 16.36 1.43 15.04 1.32 14.60 1.28 14.38 1.26

63 19.48 1.70 17.21 1.51 15.86 1.39 15.41 1.35 15.18 1.33

64 20.44 1.79 18.08 1.58 16.68 1.46 16.21 1.42 15.98 1.40

65 21.26 1.86 18.86 1.65 17.42 1.52 16.94 1.48 16.70 1.46

66 22.54 1.97 19.96 1.75 18.40 1.61 17.88 1.56 17.63 1.54

67 24.13 2.11 21.26 1.86 19.54 1.71 18.97 1.66 18.68 1.63

68 26.27 2.30 22.96 2.01 20.98 1.84 20.30 1.78 19.98 1.75

69 29.34 2.57 25.32 2.22 22.91 2.00 22.10 1.93 21.70 1.90

70 31.79 2.78 29.17 2.55 25.99 2.27 24.92 2.18 24.40 2.14





Total Disability

Premium Rate


20 8.15 0.71 6.71 0.59 3.73 0.33 3.41 0.30 3.28 0.29 6.00 1.00 0.09

21 8.15 0.71 6.71 0.59 3.84 0.34 3.50 0.31 3.38 0.30 6.00 1.00 0.09

22 8.15 0.71 6.71 0.59 3.95 0.35 3.61 0.32 3.49 0.31 6.00 1.00 0.09

23 8.15 0.71 6.71 0.59 4.09 0.36 3.74 0.33 3.62 0.32 6.00 1.00 0.09

24 8.15 0.71 6.71 0.59 4.25 0.37 3.90 0.34 3.78 0.33 6.00 1.00 0.09

25 8.15 0.71 6.71 0.59 4.44 0.39 4.09 0.36 3.95 0.35 6.00 1.00 0.09

26 8.15 0.71 6.71 0.59 4.66 0.41 4.31 0.38 4.15 0.36 6.00 1.00 0.09

27 8.15 0.71 6.71 0.59 4.88 0.43 4.54 0.40 4.36 0.38 6.00 1.00 0.09

28 8.15 0.71 6.71 0.59 5.14 0.45 4.79 0.42 4.61 0.40 6.00 1.00 0.09

29 8.15 0.71 6.71 0.59 5.41 0.47 5.05 0.44 4.88 0.43 6.00 1.00 0.09

30 8.15 0.71 6.71 0.59 5.52 0.48 5.23 0.46 5.09 0.45 6.00 1.00 0.09

31 8.15 0.71 6.71 0.59 5.83 0.51 5.54 0.48 5.40 0.47 6.10 1.00 0.09

32 8.48 0.74 7.03 0.62 6.17 0.54 5.88 0.51 5.74 0.50 6.20 1.00 0.09

33 8.84 0.77 7.39 0.65 6.52 0.57 6.23 0.55 6.08 0.53 6.30 1.00 0.09

34 9.23 0.81 7.78 0.68 6.90 0.60 6.61 0.58 6.47 0.57 6.40 1.00 0.09

35 9.65 0.84 8.18 0.72 7.32 0.64 7.02 0.61 6.88 0.60 6.50 1.00 0.09

36 10.09 0.88 8.64 0.76 7.76 0.68 7.48 0.65 7.33 0.64 6.60 1.00 0.09

37 10.60 0.93 9.13 0.80 8.26 0.72 7.96 0.70 7.81 0.68 6.70 1.00 0.09

38 11.14 0.97 9.67 0.85 8.78 0.77 8.50 0.74 8.35 0.73 6.80 1.00 0.09

39 11.72 1.03 10.25 0.90 9.37 0.82 9.07 0.79 8.93 0.78 6.90 1.00 0.09

40 12.37 1.08 10.88 0.95 10.00 0.88 9.71 0.85 9.55 0.84 7.00 1.00 0.09

41 13.06 1.14 11.57 1.01 10.68 0.93 10.38 0.91 10.24 0.90 7.10 1.03 0.09

42 13.80 1.21 12.30 1.08 11.41 1.00 11.11 0.97 10.96 0.96 7.20 1.05 0.09

43 14.59 1.28 13.09 1.15 12.18 1.07 11.88 1.04 11.74 1.03 7.30 1.08 0.09

44 15.44 1.35 13.93 1.22 13.02 1.14 12.71 1.11 12.56 1.10 7.40 1.10 0.10

45 16.36 1.43 14.82 1.30 13.90 1.22 13.60 1.19 13.44 1.18 7.50 1.13 0.10

46 17.29 1.51 15.74 1.38 14.82 1.30 14.51 1.27 14.35 1.26 7.60 1.15 0.10

47 18.32 1.60 16.76 1.47 15.83 1.39 15.52 1.36 15.36 1.34 7.70 1.18 0.10

48 19.43 1.70 17.84 1.56 16.90 1.48 16.57 1.45 16.42 1.44 7.80 1.20 0.11

49 20.59 1.80 18.98 1.66 18.01 1.58 17.70 1.55 17.53 1.53 7.90 1.23 0.11

50 21.83 1.91 20.20 1.77 19.21 1.68 18.89 1.65 18.72 1.64 8.00 1.25 0.11

51 23.12 2.02 21.47 1.88 20.47 1.79 20.14 1.76 19.97 1.75 8.40 1.35 0.12

52 24.49 2.14 22.81 2.00 21.79 1.91 21.46 1.88 21.29 1.86 8.80 1.45 0.13

53 25.94 2.27 24.22 2.12 23.18 2.03 22.84 2.00 22.67 1.98 9.20 1.55 0.14

54 27.47 2.40 25.70 2.25 24.65 2.16 24.29 2.13 24.12 2.11 9.60 1.65 0.14

55 29.06 2.54 27.25 2.38 26.17 2.29 25.80 2.26 25.62 2.24 10.00 1.75 0.15

56 30.72 2.69 28.86 2.53 27.74 2.43 27.37 2.39 27.19 2.38 1.80 0.16

57 32.44 2.84 30.53 2.67 29.38 2.57 28.99 2.54 28.80 2.52 1.85 0.16

58 34.21 2.99 32.23 2.82 31.04 2.72 30.65 2.68 30.46 2.67 1.90 0.17

59 36.04 3.15 33.98 2.97 32.75 2.87 32.34 2.83 32.12 2.81 1.95 0.17

60 37.90 3.32 35.75 3.13 34.45 3.01 34.02 2.98 33.82 2.96 2.00 0.18

61 39.74 3.48 37.42 3.27 36.02 3.15 35.56 3.11 35.33 3.09

62 41.70 3.65 39.30 3.44 37.87 3.31 37.39 3.27 37.15 3.25

63 43.62 3.82 41.15 3.60 39.67 3.47 39.18 3.43 38.94 3.41

64 45.50 3.98 42.95 3.76 41.42 3.62 40.91 3.58 40.66 3.56

65 47.05 4.12 44.46 3.89 42.90 3.75 42.37 3.71 42.12 3.69

66 49.30 4.31 46.51 4.07 44.83 3.92 44.28 3.87 44.00 3.85

67 52.00 4.55 48.91 4.28 47.06 4.12 46.45 4.06 46.14 4.04

68 55.50 4.86 51.97 4.55 49.86 4.36 49.15 4.30 48.79 4.27

69 60.48 5.29 56.21 4.92 53.65 4.69 52.80 4.62 52.37 4.58

70 64.94 5.68 62.72 5.49 59.82 5.23 58.69 5.14 58.14 5.09





Total Disability

Premium Rate


20 4.31 0.38 2.87 0.25 2.06 0.18 1.38 0.12 1.25 0.11 9.00 1.00 0.09

21 4.31 0.38 2.87 0.25 2.06 0.18 1.40 0.12 1.27 0.11 9.00 1.00 0.09

22 4.31 0.38 2.87 0.25 2.06 0.18 1.44 0.13 1.31 0.11 9.00 1.00 0.09

23 4.31 0.38 2.87 0.25 2.06 0.18 1.48 0.13 1.36 0.12 9.00 1.00 0.09

24 4.31 0.38 2.87 0.25 2.06 0.18 1.54 0.13 1.40 0.12 9.00 1.00 0.09

25 4.31 0.38 2.87 0.25 2.06 0.18 1.58 0.14 1.46 0.13 9.00 1.00 0.09

26 4.31 0.38 2.87 0.25 2.06 0.18 1.64 0.14 1.52 0.13 9.00 1.00 0.09

27 4.31 0.38 2.87 0.25 2.06 0.18 1.72 0.15 1.60 0.14 9.00 1.00 0.09

28 4.31 0.38 2.87 0.25 2.06 0.18 1.79 0.16 1.67 0.15 9.00 1.00 0.09

29 4.31 0.38 2.87 0.25 2.06 0.18 1.86 0.16 1.73 0.15 9.00 1.00 0.09

30 4.31 0.38 2.87 0.25 2.06 0.18 1.87 0.16 1.76 0.15 9.00 1.00 0.09

31 4.39 0.38 2.95 0.26 2.15 0.19 1.94 0.17 1.85 0.16 9.20 1.00 0.09

32 4.48 0.39 3.05 0.27 2.23 0.20 2.03 0.18 1.93 0.17 9.30 1.00 0.09

33 4.58 0.40 3.14 0.27 2.32 0.20 2.12 0.19 2.03 0.18 9.50 1.00 0.09

34 4.68 0.41 3.25 0.28 2.41 0.21 2.22 0.19 2.12 0.19 9.60 1.00 0.09

35 4.80 0.42 3.37 0.29 2.52 0.22 2.33 0.20 2.22 0.19 9.80 1.00 0.09

36 4.92 0.43 3.49 0.31 2.63 0.23 2.44 0.21 2.34 0.20 9.90 1.00 0.09

37 5.05 0.44 3.62 0.32 2.76 0.24 2.56 0.22 2.46 0.22 10.10 1.00 0.09

38 5.20 0.46 3.77 0.33 2.90 0.25 2.68 0.23 2.58 0.23 10.20 1.00 0.09

39 5.35 0.47 3.91 0.34 3.06 0.27 2.82 0.25 2.72 0.24 10.40 1.00 0.09

40 5.51 0.48 4.08 0.36 3.22 0.28 2.95 0.26 2.86 0.25 10.50 1.00 0.09

41 5.69 0.50 4.25 0.37 3.38 0.30 3.11 0.27 3.01 0.26 10.70 1.03 0.09

42 5.87 0.51 4.43 0.39 3.56 0.31 3.28 0.29 3.17 0.28 10.80 1.05 0.09

43 6.06 0.53 4.62 0.40 3.74 0.33 3.46 0.30 3.32 0.29 11.00 1.08 0.09

44 6.28 0.55 4.82 0.42 3.95 0.35 3.66 0.32 3.52 0.31 11.10 1.10 0.10

45 6.50 0.57 5.04 0.44 4.16 0.36 3.88 0.34 3.73 0.33 11.30 1.13 0.10

46 6.74 0.59 5.27 0.46 4.39 0.38 4.09 0.36 3.95 0.35 11.40 1.15 0.10

47 7.01 0.61 5.52 0.48 4.64 0.41 4.34 0.38 4.20 0.37 11.60 1.18 0.10

48 7.30 0.64 5.81 0.51 4.91 0.43 4.61 0.40 4.46 0.39 11.70 1.20 0.11

49 7.60 0.67 6.10 0.53 5.20 0.46 4.90 0.43 4.74 0.41 11.90 1.23 0.11

50 7.93 0.69 6.41 0.56 5.51 0.48 5.20 0.46 5.05 0.44 12.00 1.25 0.11

51 8.29 0.73 6.76 0.59 5.83 0.51 5.53 0.48 5.38 0.47 12.60 1.35 0.12

52 8.68 0.76 7.13 0.62 6.19 0.54 5.88 0.51 5.72 0.50 13.20 1.45 0.13

53 9.11 0.80 7.52 0.66 6.58 0.58 6.25 0.55 6.10 0.53 13.80 1.55 0.14

54 9.56 0.84 7.94 0.69 6.98 0.61 6.66 0.58 6.50 0.57 14.40 1.65 0.14

55 10.06 0.88 8.41 0.74 7.42 0.65 7.09 0.62 6.92 0.61 15.00 1.75 0.15

56 10.58 0.93 8.90 0.78 7.88 0.69 7.55 0.66 7.38 0.65 1.80 0.16

57 11.16 0.98 9.43 0.83 8.39 0.73 8.04 0.70 7.87 0.69 1.85 0.16

58 11.77 1.03 9.98 0.87 8.92 0.78 8.56 0.75 8.38 0.73 1.90 0.17

59 12.44 1.09 10.58 0.93 9.48 0.83 9.11 0.80 8.92 0.78 1.95 0.17

60 13.16 1.15 11.22 0.98 10.07 0.88 9.67 0.85 9.48 0.83 2.00 0.18

61 14.02 1.23 11.90 1.04 10.64 0.93 10.22 0.89 10.02 0.88

62 14.78 1.29 12.62 1.10 11.33 0.99 10.90 0.95 10.68 0.93

63 15.61 1.37 13.38 1.17 12.05 1.05 11.59 1.01 11.38 1.00

64 16.49 1.44 14.17 1.24 12.79 1.12 12.32 1.08 12.10 1.06

65 17.28 1.51 14.92 1.31 13.50 1.18 13.02 1.14 12.78 1.12

66 18.52 1.62 15.96 1.40 14.42 1.26 13.92 1.22 13.66 1.20

67 20.09 1.76 17.24 1.51 15.53 1.36 14.96 1.31 14.68 1.28

68 22.20 1.94 18.91 1.65 16.94 1.48 16.28 1.42 15.96 1.40

69 24.02 2.10 21.26 1.86 18.86 1.65 18.06 1.58 17.66 1.55

70 25.55 2.24 23.58 2.06 21.86 1.91 20.81 1.82 20.28 1.77





Total Disability

Premium Rate


20 6.41 0.56 4.97 0.43 2.50 0.22 2.23 0.20 2.11 0.18 9.00 1.00 0.09

21 6.41 0.56 4.97 0.43 2.58 0.23 2.33 0.20 2.20 0.19 9.00 1.00 0.09

22 6.41 0.56 4.97 0.43 2.68 0.23 2.42 0.21 2.30 0.20 9.00 1.00 0.09

23 6.41 0.56 4.97 0.43 2.78 0.24 2.53 0.22 2.41 0.21 9.00 1.00 0.09

24 6.41 0.56 4.97 0.43 2.92 0.26 2.66 0.23 2.54 0.22 9.00 1.00 0.09

25 6.41 0.56 4.97 0.43 3.07 0.27 2.81 0.25 2.68 0.23 9.00 1.00 0.09

26 6.41 0.56 4.97 0.43 3.24 0.28 2.95 0.26 2.83 0.25 9.00 1.00 0.09

27 6.41 0.56 4.97 0.43 3.43 0.30 3.12 0.27 3.00 0.26 9.00 1.00 0.09

28 6.41 0.56 4.97 0.43 3.62 0.32 3.30 0.29 3.17 0.28 9.00 1.00 0.09

29 6.41 0.56 4.97 0.43 3.83 0.34 3.48 0.30 3.35 0.29 9.00 1.00 0.09

30 6.41 0.56 4.97 0.43 3.89 0.34 3.60 0.32 3.50 0.31 9.00 1.00 0.09

31 6.41 0.56 4.97 0.43 4.10 0.36 3.82 0.33 3.70 0.32 9.20 1.00 0.09

32 6.66 0.58 5.21 0.46 4.34 0.38 4.06 0.36 3.91 0.34 9.30 1.00 0.09

33 6.91 0.60 5.47 0.48 4.61 0.40 4.32 0.38 4.18 0.37 9.50 1.00 0.09

34 7.19 0.63 5.75 0.50 4.88 0.43 4.60 0.40 4.45 0.39 9.60 1.00 0.09

35 7.49 0.66 6.05 0.53 5.17 0.45 4.88 0.43 4.74 0.41 9.80 1.00 0.09

36 7.81 0.68 6.36 0.56 5.50 0.48 5.20 0.46 5.05 0.44 9.90 1.00 0.09

37 8.15 0.71 6.70 0.59 5.82 0.51 5.53 0.48 5.39 0.47 10.10 1.00 0.09

38 8.51 0.74 7.06 0.62 6.18 0.54 5.89 0.52 5.75 0.50 10.20 1.00 0.09

39 8.89 0.78 7.44 0.65 6.56 0.57 6.26 0.55 6.12 0.54 10.40 1.00 0.09

40 9.30 0.81 7.84 0.69 6.95 0.61 6.66 0.58 6.52 0.57 10.50 1.00 0.09

41 9.72 0.85 8.24 0.72 7.37 0.64 7.07 0.62 6.92 0.61 10.70 1.03 0.09

42 10.16 0.89 8.69 0.76 7.80 0.68 7.51 0.66 7.36 0.64 10.80 1.05 0.09

43 10.63 0.93 9.14 0.80 8.26 0.72 7.96 0.70 7.81 0.68 11.00 1.08 0.09

44 11.12 0.97 9.64 0.84 8.74 0.76 8.44 0.74 8.29 0.73 11.10 1.10 0.10

45 11.65 1.02 10.14 0.89 9.24 0.81 8.94 0.78 8.80 0.77 11.30 1.13 0.10

46 12.19 1.07 10.68 0.93 9.77 0.85 9.47 0.83 9.31 0.81 11.40 1.15 0.10

47 12.78 1.12 11.26 0.99 10.33 0.90 10.03 0.88 9.88 0.86 11.60 1.18 0.10

48 13.40 1.17 11.87 1.04 10.94 0.96 10.63 0.93 10.48 0.92 11.70 1.20 0.11

49 14.08 1.23 12.52 1.10 11.58 1.01 11.27 0.99 11.11 0.97 11.90 1.23 0.11

50 14.77 1.29 13.20 1.16 12.25 1.07 11.94 1.04 11.78 1.03 12.00 1.25 0.11

51 15.53 1.36 13.93 1.22 12.97 1.13 12.65 1.11 12.49 1.09 12.60 1.35 0.12

52 16.32 1.43 14.69 1.29 13.72 1.20 13.39 1.17 13.24 1.16 13.20 1.45 0.13

53 17.16 1.50 15.50 1.36 14.52 1.27 14.18 1.24 14.02 1.23 13.80 1.55 0.14

54 18.06 1.58 16.37 1.43 15.36 1.34 15.01 1.31 14.84 1.30 14.40 1.65 0.14

55 19.01 1.66 17.28 1.51 16.25 1.42 15.90 1.39 15.73 1.38 15.00 1.75 0.15

56 20.02 1.75 18.24 1.60 17.18 1.50 16.82 1.47 16.64 1.46 1.80 0.16

57 21.07 1.84 19.25 1.68 18.16 1.59 17.78 1.56 17.60 1.54 1.85 0.16

58 22.19 1.94 20.30 1.78 19.18 1.68 18.80 1.65 18.61 1.63 1.90 0.17

59 23.36 2.04 21.41 1.87 20.24 1.77 19.85 1.74 19.66 1.72 1.95 0.17

60 24.60 2.15 22.57 1.97 21.35 1.87 20.94 1.83 20.74 1.81 2.00 0.18

61 25.99 2.27 23.78 2.08 22.45 1.96 22.01 1.93 21.79 1.91

62 27.32 2.39 25.06 2.19 23.69 2.07 23.23 2.03 23.00 2.01

63 28.70 2.51 26.35 2.31 24.95 2.18 24.48 2.14 24.24 2.12

64 30.11 2.63 27.67 2.42 26.22 2.29 25.73 2.25 25.49 2.23

65 31.36 2.74 28.87 2.53 27.38 2.40 26.89 2.35 26.64 2.33

66 33.23 2.91 30.55 2.67 28.94 2.53 28.40 2.49 28.14 2.46

67 35.53 3.11 32.57 2.85 30.79 2.69 30.19 2.64 29.90 2.62

68 38.58 3.38 35.17 3.08 33.12 2.90 32.45 2.84 32.10 2.81

69 41.39 3.62 38.81 3.40 36.32 3.18 35.50 3.11 35.09 3.07

70 43.55 3.81 41.46 3.63 40.21 3.52 39.79 3.48 39.59 3.46





Total Disability

Premium Rate


20 4.93 0.43 3.61 0.32 2.81 0.25 2.00 0.18 1.88 0.16 6.00 1.00 0.09

21 4.93 0.43 3.61 0.32 2.81 0.25 2.02 0.18 1.91 0.17 6.00 1.00 0.09

22 4.93 0.43 3.61 0.32 2.81 0.25 2.06 0.18 1.94 0.17 6.00 1.00 0.09

23 4.93 0.43 3.61 0.32 2.81 0.25 2.10 0.18 1.99 0.17 6.00 1.00 0.09

24 4.93 0.43 3.61 0.32 2.81 0.25 2.16 0.19 2.05 0.18 6.00 1.00 0.09

25 4.93 0.43 3.61 0.32 2.81 0.25 2.22 0.19 2.11 0.18 6.00 1.00 0.09

26 4.93 0.43 3.61 0.32 2.81 0.25 2.30 0.20 2.19 0.19 6.00 1.00 0.09

27 4.93 0.43 3.61 0.32 2.81 0.25 2.39 0.21 2.28 0.20 6.00 1.00 0.09

28 4.93 0.43 3.61 0.32 2.81 0.25 2.49 0.22 2.37 0.21 6.00 1.00 0.09

29 4.93 0.43 3.61 0.32 2.81 0.25 2.59 0.23 2.46 0.22 6.00 1.00 0.09

30 4.93 0.43 3.61 0.32 2.81 0.25 2.62 0.23 2.53 0.22 6.00 1.00 0.09

31 5.05 0.44 3.73 0.33 2.94 0.26 2.74 0.24 2.65 0.23 6.10 1.00 0.09

32 5.18 0.45 3.86 0.34 3.06 0.27 2.86 0.25 2.77 0.24 6.20 1.00 0.09

33 5.31 0.46 3.99 0.35 3.20 0.28 2.99 0.26 2.90 0.25 6.30 1.00 0.09

34 5.47 0.48 4.15 0.36 3.36 0.29 3.12 0.27 3.04 0.27 6.40 1.00 0.09

35 5.63 0.49 4.31 0.38 3.52 0.31 3.28 0.29 3.19 0.28 6.50 1.00 0.09

36 5.81 0.51 4.49 0.39 3.70 0.32 3.44 0.30 3.36 0.29 6.60 1.00 0.09

37 6.01 0.53 4.69 0.41 3.89 0.34 3.63 0.32 3.53 0.31 6.70 1.00 0.09

38 6.23 0.55 4.91 0.43 4.11 0.36 3.85 0.34 3.73 0.33 6.80 1.00 0.09

39 6.47 0.57 5.15 0.45 4.36 0.38 4.09 0.36 3.96 0.35 6.90 1.00 0.09

40 6.72 0.59 5.40 0.47 4.61 0.40 4.35 0.38 4.21 0.37 7.00 1.00 0.09

41 7.00 0.61 5.68 0.50 4.88 0.43 4.62 0.40 4.49 0.39 7.10 1.03 0.09

42 7.29 0.64 5.97 0.52 5.18 0.45 4.92 0.43 4.79 0.42 7.20 1.05 0.09

43 7.61 0.67 6.29 0.55 5.50 0.48 5.24 0.46 5.10 0.45 7.30 1.08 0.09

44 7.96 0.70 6.63 0.58 5.84 0.51 5.58 0.49 5.45 0.48 7.40 1.10 0.10

45 8.33 0.73 7.00 0.61 6.20 0.54 5.94 0.52 5.80 0.51 7.50 1.13 0.10

46 8.70 0.76 7.37 0.64 6.57 0.57 6.29 0.55 6.16 0.54 7.60 1.15 0.10

47 9.13 0.80 7.79 0.68 6.99 0.61 6.72 0.59 6.58 0.58 7.70 1.18 0.10

48 9.58 0.84 8.24 0.72 7.44 0.65 7.16 0.63 7.03 0.62 7.80 1.20 0.11

49 10.08 0.88 8.72 0.76 7.91 0.69 7.65 0.67 7.50 0.66 7.90 1.23 0.11

50 10.60 0.93 9.24 0.81 8.43 0.74 8.15 0.71 8.02 0.70 8.00 1.25 0.11

51 11.17 0.98 9.79 0.86 8.97 0.78 8.70 0.76 8.56 0.75 8.40 1.35 0.12

52 11.76 1.03 10.38 0.91 9.56 0.84 9.28 0.81 9.14 0.80 8.80 1.45 0.13

53 12.41 1.09 11.01 0.96 10.18 0.89 9.90 0.87 9.76 0.85 9.20 1.55 0.14

54 13.09 1.15 11.68 1.02 10.85 0.95 10.56 0.92 10.42 0.91 9.60 1.65 0.14

55 13.82 1.21 12.40 1.09 11.55 1.01 11.26 0.99 11.12 0.97 10.00 1.75 0.15

56 14.60 1.28 13.17 1.15 12.31 1.08 12.01 1.05 11.87 1.04 1.80 0.16

57 15.43 1.35 13.98 1.22 13.10 1.15 12.82 1.12 12.67 1.11 1.85 0.16

58 16.31 1.43 14.84 1.30 13.95 1.22 13.65 1.19 13.51 1.18 1.90 0.17

59 17.26 1.51 15.75 1.38 14.85 1.30 14.55 1.27 14.40 1.26 1.95 0.17

60 18.25 1.60 16.72 1.46 15.80 1.38 15.50 1.36 15.35 1.34 2.00 0.18

61 19.07 1.67 17.42 1.52 16.45 1.44 16.12 1.41 15.95 1.40

62 20.14 1.76 18.50 1.62 17.51 1.53 17.19 1.50 17.03 1.49

63 21.20 1.86 19.57 1.71 18.59 1.63 18.26 1.60 18.11 1.58

64 22.21 1.94 20.60 1.80 19.64 1.72 19.32 1.69 19.15 1.68

65 23.03 2.02 21.47 1.88 20.55 1.80 20.23 1.77 20.08 1.76

66 24.09 2.11 22.53 1.97 21.59 1.89 21.27 1.86 21.12 1.85

67 25.21 2.21 23.63 2.07 22.67 1.98 22.35 1.96 22.19 1.94

68 26.41 2.31 24.77 2.17 23.78 2.08 23.45 2.05 23.30 2.04

69 27.70 2.42 25.98 2.27 24.96 2.18 24.62 2.15 24.44 2.14

70 29.14 2.55 27.31 2.39 26.21 2.29 25.85 2.26 25.67 2.25

71 30.80 2.70 28.81 2.52 27.61 2.42 27.21 2.38 27.02 2.36

72 32.79 2.87 30.56 2.67 29.22 2.56 28.78 2.52 28.55 2.50

73 35.35 3.09 32.76 2.87 31.20 2.73 30.67 2.68 30.42 2.66

74 38.91 3.40 35.71 3.12 33.78 2.96 33.14 2.90 32.82 2.87

75 44.62 3.90 40.34 3.53 37.77 3.30 36.93 3.23 36.50 3.19



July 1, 2010 2010 Series Page C.5G.1


Total Disability

Premium Rate


20 7.92 0.69 6.59 0.58 3.60 0.32 3.30 0.29 3.19 0.28 6.00 1.00 0.09

21 7.92 0.69 6.59 0.58 3.71 0.32 3.41 0.30 3.29 0.29 6.00 1.00 0.09

22 7.92 0.69 6.59 0.58 3.83 0.34 3.53 0.31 3.41 0.30 6.00 1.00 0.09

23 7.92 0.69 6.59 0.58 3.97 0.35 3.67 0.32 3.55 0.31 6.00 1.00 0.09

24 7.92 0.69 6.59 0.58 4.15 0.36 3.83 0.34 3.72 0.33 6.00 1.00 0.09

25 7.92 0.69 6.59 0.58 4.35 0.38 4.02 0.35 3.89 0.34 6.00 1.00 0.09

26 7.92 0.69 6.59 0.58 4.55 0.40 4.24 0.37 4.09 0.36 6.00 1.00 0.09

27 7.92 0.69 6.59 0.58 4.80 0.42 4.47 0.39 4.31 0.38 6.00 1.00 0.09

28 7.92 0.69 6.59 0.58 5.05 0.44 4.73 0.41 4.57 0.40 6.00 1.00 0.09

29 7.92 0.69 6.59 0.58 5.32 0.47 5.01 0.44 4.84 0.42 6.00 1.00 0.09

30 7.92 0.69 6.59 0.58 5.47 0.48 5.20 0.46 5.07 0.44 6.00 1.00 0.09

31 7.92 0.69 6.59 0.58 5.79 0.51 5.52 0.48 5.39 0.47 6.10 1.00 0.09

32 8.26 0.72 6.93 0.61 6.13 0.54 5.86 0.51 5.73 0.50 6.20 1.00 0.09

33 8.64 0.76 7.29 0.64 6.49 0.57 6.23 0.55 6.09 0.53 6.30 1.00 0.09

34 9.03 0.79 7.69 0.67 6.89 0.60 6.62 0.58 6.49 0.57 6.40 1.00 0.09

35 9.45 0.83 8.12 0.71 7.32 0.64 7.05 0.62 6.91 0.60 6.50 1.00 0.09

36 9.92 0.87 8.58 0.75 7.78 0.68 7.51 0.66 7.37 0.64 6.60 1.00 0.09

37 10.43 0.91 9.09 0.80 8.28 0.72 8.01 0.70 7.88 0.69 6.70 1.00 0.09

38 10.99 0.96 9.64 0.84 8.83 0.77 8.57 0.75 8.43 0.74 6.80 1.00 0.09

39 11.59 1.01 10.24 0.90 9.43 0.83 9.16 0.80 9.03 0.79 6.90 1.00 0.09

40 12.25 1.07 10.89 0.95 10.09 0.88 9.81 0.86 9.68 0.85 7.00 1.00 0.09

41 12.96 1.13 11.59 1.01 10.78 0.94 10.51 0.92 10.37 0.91 7.10 1.03 0.09

42 13.72 1.20 12.35 1.08 11.53 1.01 11.25 0.98 11.12 0.97 7.20 1.05 0.09

43 14.53 1.27 13.16 1.15 12.33 1.08 12.06 1.06 11.92 1.04 7.30 1.08 0.09

44 15.41 1.35 14.03 1.23 13.20 1.16 12.91 1.13 12.78 1.12 7.40 1.10 0.10

45 16.34 1.43 14.95 1.31 14.11 1.23 13.83 1.21 13.70 1.20 7.50 1.13 0.10

46 17.29 1.51 15.88 1.39 15.05 1.32 14.76 1.29 14.62 1.28 7.60 1.15 0.10

47 18.36 1.61 16.94 1.48 16.09 1.41 15.81 1.38 15.68 1.37 7.70 1.18 0.10

48 19.50 1.71 18.07 1.58 17.22 1.51 16.93 1.48 16.79 1.47 7.80 1.20 0.11

49 20.70 1.81 19.26 1.69 18.39 1.61 18.11 1.58 17.96 1.57 7.90 1.23 0.11

50 21.99 1.92 20.53 1.80 19.66 1.72 19.36 1.69 19.22 1.68 8.00 1.25 0.11

51 23.34 2.04 21.87 1.91 20.99 1.84 20.69 1.81 20.54 1.80 8.40 1.35 0.12

52 24.78 2.17 23.29 2.04 22.40 1.96 22.09 1.93 21.95 1.92 8.80 1.45 0.13

53 26.30 2.30 24.78 2.17 23.87 2.09 23.57 2.06 23.42 2.05 9.20 1.55 0.14

54 27.91 2.44 26.37 2.31 25.44 2.23 25.14 2.20 24.98 2.19 9.60 1.65 0.14

55 29.59 2.59 28.03 2.45 27.08 2.37 26.77 2.34 26.62 2.33 10.00 1.75 0.15

56 31.36 2.74 29.78 2.61 28.82 2.52 28.50 2.49 28.34 2.48 1.80 0.16

57 33.22 2.91 31.59 2.76 30.62 2.68 30.29 2.65 30.14 2.64 1.85 0.16

58 35.17 3.08 33.51 2.93 32.52 2.85 32.19 2.82 32.02 2.80 1.90 0.17

59 37.19 3.25 35.50 3.11 34.49 3.02 34.14 2.99 33.98 2.97 1.95 0.17

60 39.29 3.44 37.57 3.29 36.53 3.20 36.18 3.17 36.01 3.15 2.00 0.18

61 41.02 3.59 39.17 3.43 38.05 3.33 37.69 3.30 37.50 3.28

62 43.24 3.78 41.38 3.62 40.27 3.52 39.90 3.49 39.71 3.47

63 45.39 3.97 43.54 3.81 42.43 3.71 42.06 3.68 41.88 3.66

64 47.40 4.15 45.57 3.99 44.47 3.89 44.11 3.86 43.92 3.84

65 49.01 4.29 47.23 4.13 46.18 4.04 45.82 4.01 45.64 3.99

66 50.97 4.46 49.19 4.30 48.14 4.21 47.77 4.18 47.60 4.17

67 52.99 4.64 51.18 4.48 50.09 4.38 49.74 4.35 49.56 4.34

68 55.04 4.82 53.20 4.66 52.09 4.56 51.71 4.52 51.52 4.51

69 57.20 5.01 55.28 4.84 54.12 4.74 53.74 4.70 53.54 4.68

70 59.53 5.21 57.50 5.03 56.28 4.92 55.86 4.89 55.66 4.87

71 62.17 5.44 59.97 5.25 58.64 5.13 58.20 5.09 57.98 5.07

72 65.27 5.71 62.82 5.50 61.35 5.37 60.86 5.33 60.61 5.30

73 69.22 6.06 66.40 5.81 64.69 5.66 64.12 5.61 63.83 5.59

74 74.68 6.53 71.23 6.23 69.16 6.05 68.46 5.99 68.12 5.96

75 83.55 7.31 78.99 6.91 76.25 6.67 75.34 6.59 74.89 6.55





Total Disability

Premium Rate


20 4.18 0.37 2.86 0.25 2.11 0.18 1.36 0.12 1.24 0.11 9.00 1.00 0.09

21 4.18 0.37 2.86 0.25 2.11 0.18 1.40 0.12 1.28 0.11 9.00 1.00 0.09

22 4.18 0.37 2.86 0.25 2.11 0.18 1.44 0.13 1.32 0.12 9.00 1.00 0.09

23 4.18 0.37 2.86 0.25 2.11 0.18 1.49 0.13 1.38 0.12 9.00 1.00 0.09

24 4.18 0.37 2.86 0.25 2.11 0.18 1.54 0.13 1.43 0.13 9.00 1.00 0.09

25 4.18 0.37 2.86 0.25 2.11 0.18 1.61 0.14 1.49 0.13 9.00 1.00 0.09

26 4.18 0.37 2.86 0.25 2.11 0.18 1.67 0.15 1.56 0.14 9.00 1.00 0.09

27 4.18 0.37 2.86 0.25 2.11 0.18 1.75 0.15 1.63 0.14 9.00 1.00 0.09

28 4.18 0.37 2.86 0.25 2.11 0.18 1.83 0.16 1.72 0.15 9.00 1.00 0.09

29 4.18 0.37 2.86 0.25 2.11 0.18 1.90 0.17 1.79 0.16 9.00 1.00 0.09

30 4.18 0.37 2.86 0.25 2.11 0.18 1.94 0.17 1.84 0.16 9.00 1.00 0.09

31 4.28 0.37 2.96 0.26 2.21 0.19 2.02 0.18 1.94 0.17 9.20 1.00 0.09

32 4.38 0.38 3.06 0.27 2.30 0.20 2.11 0.18 2.02 0.18 9.30 1.00 0.09

33 4.49 0.39 3.17 0.28 2.41 0.21 2.22 0.19 2.13 0.19 9.50 1.00 0.09

34 4.61 0.40 3.29 0.29 2.52 0.22 2.33 0.20 2.24 0.20 9.60 1.00 0.09

35 4.74 0.41 3.42 0.30 2.63 0.23 2.45 0.21 2.37 0.21 9.80 1.00 0.09

36 4.87 0.43 3.56 0.31 2.77 0.24 2.57 0.22 2.49 0.22 9.90 1.00 0.09

37 5.03 0.44 3.71 0.32 2.92 0.26 2.72 0.24 2.63 0.23 10.10 1.00 0.09

38 5.19 0.45 3.87 0.34 3.08 0.27 2.86 0.25 2.77 0.24 10.20 1.00 0.09

39 5.36 0.47 4.04 0.35 3.26 0.29 3.01 0.26 2.93 0.26 10.40 1.00 0.09

40 5.54 0.48 4.22 0.37 3.43 0.30 3.18 0.28 3.09 0.27 10.50 1.00 0.09

41 5.73 0.50 4.42 0.39 3.63 0.32 3.37 0.29 3.26 0.29 10.70 1.03 0.09

42 5.94 0.52 4.62 0.40 3.84 0.34 3.58 0.31 3.44 0.30 10.80 1.05 0.09

43 6.16 0.54 4.84 0.42 4.05 0.35 3.78 0.33 3.65 0.32 11.00 1.08 0.09

44 6.40 0.56 5.08 0.44 4.29 0.38 4.03 0.35 3.89 0.34 11.10 1.10 0.10

45 6.66 0.58 5.34 0.47 4.53 0.40 4.27 0.37 4.14 0.36 11.30 1.13 0.10

46 6.91 0.60 5.59 0.49 4.79 0.42 4.52 0.40 4.39 0.38 11.40 1.15 0.10

47 7.21 0.63 5.87 0.51 5.08 0.44 4.82 0.42 4.69 0.41 11.60 1.18 0.10

48 7.52 0.66 6.19 0.54 5.40 0.47 5.13 0.45 4.99 0.44 11.70 1.20 0.11

49 7.88 0.69 6.53 0.57 5.73 0.50 5.47 0.48 5.34 0.47 11.90 1.23 0.11

50 8.24 0.72 6.90 0.60 6.09 0.53 5.83 0.51 5.69 0.50 12.00 1.25 0.11

51 8.65 0.76 7.29 0.64 6.48 0.57 6.22 0.54 6.08 0.53 12.60 1.35 0.12

52 9.08 0.79 7.71 0.67 6.90 0.60 6.63 0.58 6.49 0.57 13.20 1.45 0.13

53 9.54 0.83 8.17 0.71 7.35 0.64 7.07 0.62 6.94 0.61 13.80 1.55 0.14

54 10.03 0.88 8.66 0.76 7.83 0.69 7.55 0.66 7.41 0.65 14.40 1.65 0.14

55 10.57 0.92 9.17 0.80 8.34 0.73 8.06 0.71 7.92 0.69 15.00 1.75 0.15

56 11.14 0.97 9.74 0.85 8.89 0.78 8.61 0.75 8.47 0.74 1.80 0.16

57 11.77 1.03 10.34 0.90 9.48 0.83 9.20 0.81 9.05 0.79 1.85 0.16

58 12.43 1.09 10.99 0.96 10.12 0.89 9.82 0.86 9.68 0.85 1.90 0.17

59 13.15 1.15 11.67 1.02 10.79 0.94 10.49 0.92 10.35 0.91 1.95 0.17

60 13.92 1.22 12.42 1.09 11.52 1.01 11.21 0.98 11.07 0.97 2.00 0.18

61 14.64 1.28 13.02 1.14 12.06 1.06 11.74 1.03 11.58 1.01

62 15.46 1.35 13.85 1.21 12.89 1.13 12.57 1.10 12.41 1.09

63 16.28 1.42 14.70 1.29 13.74 1.20 13.42 1.17 13.26 1.16

64 17.11 1.50 15.53 1.36 14.59 1.28 14.27 1.25 14.11 1.23

65 17.79 1.56 16.27 1.42 15.36 1.34 15.05 1.32 14.89 1.30

66 18.71 1.64 17.18 1.50 16.26 1.42 15.95 1.40 15.80 1.38

67 19.70 1.72 18.15 1.59 17.22 1.51 16.91 1.48 16.74 1.46

68 20.80 1.82 19.20 1.68 18.24 1.60 17.92 1.57 17.75 1.55

69 22.02 1.93 20.34 1.78 19.34 1.69 19.00 1.66 18.83 1.65

70 23.42 2.05 21.62 1.89 20.55 1.80 20.19 1.77 20.01 1.75

71 25.05 2.19 23.09 2.02 21.91 1.92 21.52 1.88 21.32 1.87

72 27.05 2.37 24.84 2.17 23.52 2.06 23.08 2.02 22.86 2.00

73 29.63 2.59 27.06 2.37 25.52 2.23 25.00 2.19 24.75 2.17

74 33.24 2.91 30.07 2.63 28.17 2.46 27.53 2.41 27.21 2.38

75 39.01 3.41 34.76 3.04 32.22 2.82 31.37 2.74 30.94 2.71





Total Disability

Premium Rate


20 6.22 0.54 4.88 0.43 2.42 0.21 2.19 0.19 2.08 0.18 9.00 1.00 0.09

21 6.22 0.54 4.88 0.43 2.52 0.22 2.29 0.20 2.17 0.19 9.00 1.00 0.09

22 6.22 0.54 4.88 0.43 2.62 0.23 2.39 0.21 2.28 0.20 9.00 1.00 0.09

23 6.22 0.54 4.88 0.43 2.74 0.24 2.51 0.22 2.39 0.21 9.00 1.00 0.09

24 6.22 0.54 4.88 0.43 2.87 0.25 2.64 0.23 2.52 0.22 9.00 1.00 0.09

25 6.22 0.54 4.88 0.43 3.03 0.27 2.78 0.24 2.66 0.23 9.00 1.00 0.09

26 6.22 0.54 4.88 0.43 3.20 0.28 2.94 0.26 2.82 0.25 9.00 1.00 0.09

27 6.22 0.54 4.88 0.43 3.39 0.30 3.10 0.27 2.99 0.26 9.00 1.00 0.09

28 6.22 0.54 4.88 0.43 3.58 0.31 3.28 0.29 3.17 0.28 9.00 1.00 0.09

29 6.22 0.54 4.88 0.43 3.78 0.33 3.47 0.30 3.34 0.29 9.00 1.00 0.09

30 6.22 0.54 4.88 0.43 3.86 0.34 3.61 0.32 3.51 0.31 9.00 1.00 0.09

31 6.22 0.54 4.88 0.43 4.09 0.36 3.83 0.34 3.72 0.33 9.20 1.00 0.09

32 6.47 0.57 5.14 0.45 4.35 0.38 4.08 0.36 3.94 0.34 9.30 1.00 0.09

33 6.73 0.59 5.40 0.47 4.61 0.40 4.33 0.38 4.20 0.37 9.50 1.00 0.09

34 7.02 0.61 5.69 0.50 4.90 0.43 4.62 0.40 4.49 0.39 9.60 1.00 0.09

35 7.33 0.64 6.00 0.53 5.19 0.45 4.93 0.43 4.80 0.42 9.80 1.00 0.09

36 7.66 0.67 6.31 0.55 5.52 0.48 5.26 0.46 5.13 0.45 9.90 1.00 0.09

37 8.00 0.70 6.67 0.58 5.86 0.51 5.60 0.49 5.47 0.48 10.10 1.00 0.09

38 8.37 0.73 7.04 0.62 6.24 0.55 5.97 0.52 5.84 0.51 10.20 1.00 0.09

39 8.77 0.77 7.44 0.65 6.63 0.58 6.36 0.56 6.23 0.55 10.40 1.00 0.09

40 9.19 0.80 7.84 0.69 7.04 0.62 6.78 0.59 6.63 0.58 10.50 1.00 0.09

41 9.61 0.84 8.27 0.72 7.47 0.65 7.21 0.63 7.06 0.62 10.70 1.03 0.09

42 10.09 0.88 8.73 0.76 7.93 0.69 7.66 0.67 7.52 0.66 10.80 1.05 0.09

43 10.57 0.92 9.22 0.81 8.40 0.74 8.14 0.71 8.01 0.70 11.00 1.08 0.09

44 11.09 0.97 9.72 0.85 8.91 0.78 8.65 0.76 8.51 0.74 11.10 1.10 0.10

45 11.63 1.02 10.27 0.90 9.45 0.83 9.19 0.80 9.04 0.79 11.30 1.13 0.10

46 12.19 1.07 10.81 0.95 10.00 0.88 9.72 0.85 9.58 0.84 11.40 1.15 0.10

47 12.80 1.12 11.43 1.00 10.60 0.93 10.33 0.90 10.19 0.89 11.60 1.18 0.10

48 13.46 1.18 12.08 1.06 11.25 0.98 10.97 0.96 10.84 0.95 11.70 1.20 0.11

49 14.16 1.24 12.77 1.12 11.94 1.04 11.65 1.02 11.52 1.01 11.90 1.23 0.11

50 14.89 1.30 13.50 1.18 12.65 1.11 12.38 1.08 12.23 1.07 12.00 1.25 0.11

51 15.69 1.37 14.27 1.25 13.42 1.17 13.15 1.15 13.00 1.14 12.60 1.35 0.12

52 16.51 1.44 15.09 1.32 14.23 1.25 13.95 1.22 13.81 1.21 13.20 1.45 0.13

53 17.40 1.52 15.96 1.40 15.09 1.32 14.81 1.30 14.66 1.28 13.80 1.55 0.14

54 18.34 1.60 16.87 1.48 16.01 1.40 15.71 1.37 15.57 1.36 14.40 1.65 0.14

55 19.33 1.69 17.85 1.56 16.97 1.48 16.68 1.46 16.52 1.45 15.00 1.75 0.15

56 20.38 1.78 18.89 1.65 17.99 1.57 17.69 1.55 17.53 1.53 1.80 0.16

57 21.48 1.88 19.97 1.75 19.05 1.67 18.76 1.64 18.60 1.63 1.85 0.16

58 22.66 1.98 21.12 1.85 20.19 1.77 19.88 1.74 19.72 1.73 1.90 0.17

59 23.90 2.09 22.33 1.95 21.38 1.87 21.07 1.84 20.91 1.83 1.95 0.17

60 25.21 2.21 23.61 2.07 22.64 1.98 22.32 1.95 22.17 1.94 2.00 0.18

61 26.42 2.31 24.70 2.16 23.66 2.07 23.32 2.04 23.14 2.02

62 27.81 2.43 26.08 2.28 25.06 2.19 24.71 2.16 24.54 2.15

63 29.17 2.55 27.47 2.40 26.44 2.31 26.10 2.28 25.93 2.27

64 30.50 2.67 28.81 2.52 27.80 2.43 27.47 2.40 27.29 2.39

65 31.61 2.77 29.98 2.62 29.00 2.54 28.67 2.51 28.50 2.49

66 33.04 2.89 31.39 2.75 30.42 2.66 30.09 2.63 29.92 2.62

67 34.55 3.02 32.88 2.88 31.88 2.79 31.55 2.76 31.37 2.74

68 36.17 3.16 34.45 3.01 33.42 2.92 33.08 2.89 32.90 2.88

69 37.94 3.32 36.15 3.16 35.07 3.07 34.71 3.04 34.53 3.02

70 39.92 3.49 38.01 3.33 36.86 3.23 36.48 3.19 36.29 3.18

71 42.21 3.69 40.13 3.51 38.89 3.40 38.47 3.37 38.26 3.35

72 44.98 3.94 42.66 3.73 41.26 3.61 40.80 3.57 40.56 3.55

73 48.55 4.25 45.85 4.01 44.23 3.87 43.68 3.82 43.42 3.80

74 53.53 4.68 50.22 4.39 48.22 4.22 47.55 4.16 47.22 4.13

75 61.49 5.38 57.08 4.99 54.43 4.76 53.55 4.69 53.11 4.65





Total Disability

Premium Rate


20 4.93 0.43 3.61 0.32 2.81 0.25 2.00 0.18 1.88 0.16 6.00 1.00 0.09

21 4.93 0.43 3.61 0.32 2.81 0.25 2.02 0.18 1.91 0.17 6.00 1.00 0.09

22 4.93 0.43 3.61 0.32 2.81 0.25 2.06 0.18 1.94 0.17 6.00 1.00 0.09

23 4.93 0.43 3.61 0.32 2.81 0.25 2.10 0.18 1.99 0.17 6.00 1.00 0.09

24 4.93 0.43 3.61 0.32 2.81 0.25 2.16 0.19 2.05 0.18 6.00 1.00 0.09

25 4.93 0.43 3.61 0.32 2.81 0.25 2.22 0.19 2.11 0.18 6.00 1.00 0.09

26 4.93 0.43 3.61 0.32 2.81 0.25 2.30 0.20 2.19 0.19 6.00 1.00 0.09

27 4.93 0.43 3.61 0.32 2.81 0.25 2.39 0.21 2.28 0.20 6.00 1.00 0.09

28 4.93 0.43 3.61 0.32 2.81 0.25 2.49 0.22 2.37 0.21 6.00 1.00 0.09

29 4.93 0.43 3.61 0.32 2.81 0.25 2.59 0.23 2.46 0.22 6.00 1.00 0.09

30 4.93 0.43 3.61 0.32 2.81 0.25 2.62 0.23 2.53 0.22 6.00 1.00 0.09

31 5.05 0.44 3.73 0.33 2.94 0.26 2.74 0.24 2.65 0.23 6.10 1.00 0.09

32 5.18 0.45 3.86 0.34 3.06 0.27 2.86 0.25 2.77 0.24 6.20 1.00 0.09

33 5.31 0.46 3.99 0.35 3.20 0.28 2.99 0.26 2.90 0.25 6.30 1.00 0.09

34 5.47 0.48 4.15 0.36 3.36 0.29 3.12 0.27 3.04 0.27 6.40 1.00 0.09

35 5.63 0.49 4.31 0.38 3.52 0.31 3.28 0.29 3.19 0.28 6.50 1.00 0.09

36 5.81 0.51 4.49 0.39 3.70 0.32 3.44 0.30 3.36 0.29 6.60 1.00 0.09

37 6.01 0.53 4.69 0.41 3.89 0.34 3.63 0.32 3.53 0.31 6.70 1.00 0.09

38 6.23 0.55 4.91 0.43 4.11 0.36 3.85 0.34 3.73 0.33 6.80 1.00 0.09

39 6.47 0.57 5.15 0.45 4.36 0.38 4.09 0.36 3.96 0.35 6.90 1.00 0.09

40 6.72 0.59 5.40 0.47 4.61 0.40 4.35 0.38 4.21 0.37 7.00 1.00 0.09

41 7.00 0.61 5.68 0.50 4.88 0.43 4.62 0.40 4.49 0.39 7.10 1.03 0.09

42 7.29 0.64 5.97 0.52 5.18 0.45 4.92 0.43 4.79 0.42 7.20 1.05 0.09

43 7.61 0.67 6.29 0.55 5.50 0.48 5.24 0.46 5.10 0.45 7.30 1.08 0.09

44 7.96 0.70 6.63 0.58 5.84 0.51 5.58 0.49 5.45 0.48 7.40 1.10 0.10

45 8.33 0.73 7.00 0.61 6.20 0.54 5.94 0.52 5.80 0.51 7.50 1.13 0.10

46 8.70 0.76 7.37 0.64 6.57 0.57 6.29 0.55 6.16 0.54 7.60 1.15 0.10

47 9.13 0.80 7.79 0.68 6.99 0.61 6.72 0.59 6.58 0.58 7.70 1.18 0.10

48 9.58 0.84 8.24 0.72 7.44 0.65 7.16 0.63 7.03 0.62 7.80 1.20 0.11

49 10.08 0.88 8.72 0.76 7.91 0.69 7.65 0.67 7.50 0.66 7.90 1.23 0.11

50 10.60 0.93 9.24 0.81 8.43 0.74 8.15 0.71 8.02 0.70 8.00 1.25 0.11

51 11.17 0.98 9.79 0.86 8.97 0.78 8.70 0.76 8.56 0.75 8.40 1.35 0.12

52 11.76 1.03 10.38 0.91 9.56 0.84 9.28 0.81 9.14 0.80 8.80 1.45 0.13

53 12.41 1.09 11.01 0.96 10.18 0.89 9.90 0.87 9.76 0.85 9.20 1.55 0.14

54 13.09 1.15 11.68 1.02 10.85 0.95 10.56 0.92 10.42 0.91 9.60 1.65 0.14

55 13.82 1.21 12.40 1.09 11.55 1.01 11.26 0.99 11.12 0.97 10.00 1.75 0.15

56 14.60 1.28 13.17 1.15 12.31 1.08 12.01 1.05 11.87 1.04 1.80 0.16

57 15.43 1.35 13.98 1.22 13.10 1.15 12.82 1.12 12.67 1.11 1.85 0.16

58 16.31 1.43 14.84 1.30 13.95 1.22 13.65 1.19 13.51 1.18 1.90 0.17

59 17.26 1.51 15.75 1.38 14.85 1.30 14.55 1.27 14.40 1.26 1.95 0.17

60 18.25 1.60 16.72 1.46 15.80 1.38 15.50 1.36 15.35 1.34 2.00 0.18

61 19.07 1.67 17.42 1.52 16.45 1.44 16.12 1.41 15.95 1.40

62 20.14 1.76 18.50 1.62 17.51 1.53 17.19 1.50 17.03 1.49

63 21.20 1.86 19.57 1.71 18.59 1.63 18.26 1.60 18.11 1.58

64 22.21 1.94 20.60 1.80 19.64 1.72 19.32 1.69 19.15 1.68

65 23.03 2.02 21.47 1.88 20.55 1.80 20.23 1.77 20.08 1.76

66 24.09 2.11 22.53 1.97 21.59 1.89 21.27 1.86 21.12 1.85

67 25.21 2.21 23.63 2.07 22.67 1.98 22.35 1.96 22.19 1.94

68 26.41 2.31 24.77 2.17 23.78 2.08 23.45 2.05 23.30 2.04

69 27.70 2.42 25.98 2.27 24.96 2.18 24.62 2.15 24.44 2.14

70 29.14 2.55 27.31 2.39 26.21 2.29 25.85 2.26 25.67 2.25

71 30.80 2.70 28.81 2.52 27.61 2.42 27.21 2.38 27.02 2.36

72 32.79 2.87 30.56 2.67 29.22 2.56 28.78 2.52 28.55 2.50

73 35.35 3.09 32.76 2.87 31.20 2.73 30.67 2.68 30.42 2.66

74 38.91 3.40 35.71 3.12 33.78 2.96 33.14 2.90 32.82 2.87

75 44.62 3.90 40.34 3.53 37.77 3.30 36.93 3.23 36.50 3.19





Total Disability

Premium Rate


20 7.92 0.69 6.59 0.58 3.60 0.32 3.30 0.29 3.19 0.28 6.00 1.00 0.09

21 7.92 0.69 6.59 0.58 3.71 0.32 3.41 0.30 3.29 0.29 6.00 1.00 0.09

22 7.92 0.69 6.59 0.58 3.83 0.34 3.53 0.31 3.41 0.30 6.00 1.00 0.09

23 7.92 0.69 6.59 0.58 3.97 0.35 3.67 0.32 3.55 0.31 6.00 1.00 0.09

24 7.92 0.69 6.59 0.58 4.15 0.36 3.83 0.34 3.72 0.33 6.00 1.00 0.09

25 7.92 0.69 6.59 0.58 4.35 0.38 4.02 0.35 3.89 0.34 6.00 1.00 0.09

26 7.92 0.69 6.59 0.58 4.55 0.40 4.24 0.37 4.09 0.36 6.00 1.00 0.09

27 7.92 0.69 6.59 0.58 4.80 0.42 4.47 0.39 4.31 0.38 6.00 1.00 0.09

28 7.92 0.69 6.59 0.58 5.05 0.44 4.73 0.41 4.57 0.40 6.00 1.00 0.09

29 7.92 0.69 6.59 0.58 5.32 0.47 5.01 0.44 4.84 0.42 6.00 1.00 0.09

30 7.92 0.69 6.59 0.58 5.47 0.48 5.20 0.46 5.07 0.44 6.00 1.00 0.09

31 7.92 0.69 6.59 0.58 5.79 0.51 5.52 0.48 5.39 0.47 6.10 1.00 0.09

32 8.26 0.72 6.93 0.61 6.13 0.54 5.86 0.51 5.73 0.50 6.20 1.00 0.09

33 8.64 0.76 7.29 0.64 6.49 0.57 6.23 0.55 6.09 0.53 6.30 1.00 0.09

34 9.03 0.79 7.69 0.67 6.89 0.60 6.62 0.58 6.49 0.57 6.40 1.00 0.09

35 9.45 0.83 8.12 0.71 7.32 0.64 7.05 0.62 6.91 0.60 6.50 1.00 0.09

36 9.92 0.87 8.58 0.75 7.78 0.68 7.51 0.66 7.37 0.64 6.60 1.00 0.09

37 10.43 0.91 9.09 0.80 8.28 0.72 8.01 0.70 7.88 0.69 6.70 1.00 0.09

38 10.99 0.96 9.64 0.84 8.83 0.77 8.57 0.75 8.43 0.74 6.80 1.00 0.09

39 11.59 1.01 10.24 0.90 9.43 0.83 9.16 0.80 9.03 0.79 6.90 1.00 0.09

40 12.25 1.07 10.89 0.95 10.09 0.88 9.81 0.86 9.68 0.85 7.00 1.00 0.09

41 12.96 1.13 11.59 1.01 10.78 0.94 10.51 0.92 10.37 0.91 7.10 1.03 0.09

42 13.72 1.20 12.35 1.08 11.53 1.01 11.25 0.98 11.12 0.97 7.20 1.05 0.09

43 14.53 1.27 13.16 1.15 12.33 1.08 12.06 1.06 11.92 1.04 7.30 1.08 0.09

44 15.41 1.35 14.03 1.23 13.20 1.16 12.91 1.13 12.78 1.12 7.40 1.10 0.10

45 16.34 1.43 14.95 1.31 14.11 1.23 13.83 1.21 13.70 1.20 7.50 1.13 0.10

46 17.29 1.51 15.88 1.39 15.05 1.32 14.76 1.29 14.62 1.28 7.60 1.15 0.10

47 18.36 1.61 16.94 1.48 16.09 1.41 15.81 1.38 15.68 1.37 7.70 1.18 0.10

48 19.50 1.71 18.07 1.58 17.22 1.51 16.93 1.48 16.79 1.47 7.80 1.20 0.11

49 20.70 1.81 19.26 1.69 18.39 1.61 18.11 1.58 17.96 1.57 7.90 1.23 0.11

50 21.99 1.92 20.53 1.80 19.66 1.72 19.36 1.69 19.22 1.68 8.00 1.25 0.11

51 23.34 2.04 21.87 1.91 20.99 1.84 20.69 1.81 20.54 1.80 8.40 1.35 0.12

52 24.78 2.17 23.29 2.04 22.40 1.96 22.09 1.93 21.95 1.92 8.80 1.45 0.13

53 26.30 2.30 24.78 2.17 23.87 2.09 23.57 2.06 23.42 2.05 9.20 1.55 0.14

54 27.91 2.44 26.37 2.31 25.44 2.23 25.14 2.20 24.98 2.19 9.60 1.65 0.14

55 29.59 2.59 28.03 2.45 27.08 2.37 26.77 2.34 26.62 2.33 10.00 1.75 0.15

56 31.36 2.74 29.78 2.61 28.82 2.52 28.50 2.49 28.34 2.48 1.80 0.16

57 33.22 2.91 31.59 2.76 30.62 2.68 30.29 2.65 30.14 2.64 1.85 0.16

58 35.17 3.08 33.51 2.93 32.52 2.85 32.19 2.82 32.02 2.80 1.90 0.17

59 37.19 3.25 35.50 3.11 34.49 3.02 34.14 2.99 33.98 2.97 1.95 0.17

60 39.29 3.44 37.57 3.29 36.53 3.20 36.18 3.17 36.01 3.15 2.00 0.18

61 41.02 3.59 39.17 3.43 38.05 3.33 37.69 3.30 37.50 3.28

62 43.24 3.78 41.38 3.62 40.27 3.52 39.90 3.49 39.71 3.47

63 45.39 3.97 43.54 3.81 42.43 3.71 42.06 3.68 41.88 3.66

64 47.40 4.15 45.57 3.99 44.47 3.89 44.11 3.86 43.92 3.84

65 49.01 4.29 47.23 4.13 46.18 4.04 45.82 4.01 45.64 3.99

66 50.97 4.46 49.19 4.30 48.14 4.21 47.77 4.18 47.60 4.17

67 52.99 4.64 51.18 4.48 50.09 4.38 49.74 4.35 49.56 4.34

68 55.04 4.82 53.20 4.66 52.09 4.56 51.71 4.52 51.52 4.51

69 57.20 5.01 55.28 4.84 54.12 4.74 53.74 4.70 53.54 4.68

70 59.53 5.21 57.50 5.03 56.28 4.92 55.86 4.89 55.66 4.87

71 62.17 5.44 59.97 5.25 58.64 5.13 58.20 5.09 57.98 5.07

72 65.27 5.71 62.82 5.50 61.35 5.37 60.86 5.33 60.61 5.30

73 69.22 6.06 66.40 5.81 64.69 5.66 64.12 5.61 63.83 5.59

74 74.68 6.53 71.23 6.23 69.16 6.05 68.46 5.99 68.12 5.96

75 83.55 7.31 78.99 6.91 76.25 6.67 75.34 6.59 74.89 6.55





Total Disability

Premium Rate


20 4.18 0.37 2.86 0.25 2.11 0.18 1.36 0.12 1.24 0.11 9.00 1.00 0.09

21 4.18 0.37 2.86 0.25 2.11 0.18 1.40 0.12 1.28 0.11 9.00 1.00 0.09

22 4.18 0.37 2.86 0.25 2.11 0.18 1.44 0.13 1.32 0.12 9.00 1.00 0.09

23 4.18 0.37 2.86 0.25 2.11 0.18 1.49 0.13 1.38 0.12 9.00 1.00 0.09

24 4.18 0.37 2.86 0.25 2.11 0.18 1.54 0.13 1.43 0.13 9.00 1.00 0.09

25 4.18 0.37 2.86 0.25 2.11 0.18 1.61 0.14 1.49 0.13 9.00 1.00 0.09

26 4.18 0.37 2.86 0.25 2.11 0.18 1.67 0.15 1.56 0.14 9.00 1.00 0.09

27 4.18 0.37 2.86 0.25 2.11 0.18 1.75 0.15 1.63 0.14 9.00 1.00 0.09

28 4.18 0.37 2.86 0.25 2.11 0.18 1.83 0.16 1.72 0.15 9.00 1.00 0.09

29 4.18 0.37 2.86 0.25 2.11 0.18 1.90 0.17 1.79 0.16 9.00 1.00 0.09

30 4.18 0.37 2.86 0.25 2.11 0.18 1.94 0.17 1.84 0.16 9.00 1.00 0.09

31 4.28 0.37 2.96 0.26 2.21 0.19 2.02 0.18 1.94 0.17 9.20 1.00 0.09

32 4.38 0.38 3.06 0.27 2.30 0.20 2.11 0.18 2.02 0.18 9.30 1.00 0.09

33 4.49 0.39 3.17 0.28 2.41 0.21 2.22 0.19 2.13 0.19 9.50 1.00 0.09

34 4.61 0.40 3.29 0.29 2.52 0.22 2.33 0.20 2.24 0.20 9.60 1.00 0.09

35 4.74 0.41 3.42 0.30 2.63 0.23 2.45 0.21 2.37 0.21 9.80 1.00 0.09

36 4.87 0.43 3.56 0.31 2.77 0.24 2.57 0.22 2.49 0.22 9.90 1.00 0.09

37 5.03 0.44 3.71 0.32 2.92 0.26 2.72 0.24 2.63 0.23 10.10 1.00 0.09

38 5.19 0.45 3.87 0.34 3.08 0.27 2.86 0.25 2.77 0.24 10.20 1.00 0.09

39 5.36 0.47 4.04 0.35 3.26 0.29 3.01 0.26 2.93 0.26 10.40 1.00 0.09

40 5.54 0.48 4.22 0.37 3.43 0.30 3.18 0.28 3.09 0.27 10.50 1.00 0.09

41 5.73 0.50 4.42 0.39 3.63 0.32 3.37 0.29 3.26 0.29 10.70 1.03 0.09

42 5.94 0.52 4.62 0.40 3.84 0.34 3.58 0.31 3.44 0.30 10.80 1.05 0.09

43 6.16 0.54 4.84 0.42 4.05 0.35 3.78 0.33 3.65 0.32 11.00 1.08 0.09

44 6.40 0.56 5.08 0.44 4.29 0.38 4.03 0.35 3.89 0.34 11.10 1.10 0.10

45 6.66 0.58 5.34 0.47 4.53 0.40 4.27 0.37 4.14 0.36 11.30 1.13 0.10

46 6.91 0.60 5.59 0.49 4.79 0.42 4.52 0.40 4.39 0.38 11.40 1.15 0.10

47 7.21 0.63 5.87 0.51 5.08 0.44 4.82 0.42 4.69 0.41 11.60 1.18 0.10

48 7.52 0.66 6.19 0.54 5.40 0.47 5.13 0.45 4.99 0.44 11.70 1.20 0.11

49 7.88 0.69 6.53 0.57 5.73 0.50 5.47 0.48 5.34 0.47 11.90 1.23 0.11

50 8.24 0.72 6.90 0.60 6.09 0.53 5.83 0.51 5.69 0.50 12.00 1.25 0.11

51 8.65 0.76 7.29 0.64 6.48 0.57 6.22 0.54 6.08 0.53 12.60 1.35 0.12

52 9.08 0.79 7.71 0.67 6.90 0.60 6.63 0.58 6.49 0.57 13.20 1.45 0.13

53 9.54 0.83 8.17 0.71 7.35 0.64 7.07 0.62 6.94 0.61 13.80 1.55 0.14

54 10.03 0.88 8.66 0.76 7.83 0.69 7.55 0.66 7.41 0.65 14.40 1.65 0.14

55 10.57 0.92 9.17 0.80 8.34 0.73 8.06 0.71 7.92 0.69 15.00 1.75 0.15

56 11.14 0.97 9.74 0.85 8.89 0.78 8.61 0.75 8.47 0.74 1.80 0.16

57 11.77 1.03 10.34 0.90 9.48 0.83 9.20 0.81 9.05 0.79 1.85 0.16

58 12.43 1.09 10.99 0.96 10.12 0.89 9.82 0.86 9.68 0.85 1.90 0.17

59 13.15 1.15 11.67 1.02 10.79 0.94 10.49 0.92 10.35 0.91 1.95 0.17

60 13.92 1.22 12.42 1.09 11.52 1.01 11.21 0.98 11.07 0.97 2.00 0.18

61 14.64 1.28 13.02 1.14 12.06 1.06 11.74 1.03 11.58 1.01

62 15.46 1.35 13.85 1.21 12.89 1.13 12.57 1.10 12.41 1.09

63 16.28 1.42 14.70 1.29 13.74 1.20 13.42 1.17 13.26 1.16

64 17.11 1.50 15.53 1.36 14.59 1.28 14.27 1.25 14.11 1.23

65 17.79 1.56 16.27 1.42 15.36 1.34 15.05 1.32 14.89 1.30

66 18.71 1.64 17.18 1.50 16.26 1.42 15.95 1.40 15.80 1.38

67 19.70 1.72 18.15 1.59 17.22 1.51 16.91 1.48 16.74 1.46

68 20.80 1.82 19.20 1.68 18.24 1.60 17.92 1.57 17.75 1.55

69 22.02 1.93 20.34 1.78 19.34 1.69 19.00 1.66 18.83 1.65

70 23.42 2.05 21.62 1.89 20.55 1.80 20.19 1.77 20.01 1.75

71 25.05 2.19 23.09 2.02 21.91 1.92 21.52 1.88 21.32 1.87

72 27.05 2.37 24.84 2.17 23.52 2.06 23.08 2.02 22.86 2.00

73 29.63 2.59 27.06 2.37 25.52 2.23 25.00 2.19 24.75 2.17

74 33.24 2.91 30.07 2.63 28.17 2.46 27.53 2.41 27.21 2.38

75 39.01 3.41 34.76 3.04 32.22 2.82 31.37 2.74 30.94 2.71





Total Disability

Premium Rate


20 6.22 0.54 4.88 0.43 2.42 0.21 2.19 0.19 2.08 0.18 9.00 1.00 0.09

21 6.22 0.54 4.88 0.43 2.52 0.22 2.29 0.20 2.17 0.19 9.00 1.00 0.09

22 6.22 0.54 4.88 0.43 2.62 0.23 2.39 0.21 2.28 0.20 9.00 1.00 0.09

23 6.22 0.54 4.88 0.43 2.74 0.24 2.51 0.22 2.39 0.21 9.00 1.00 0.09

24 6.22 0.54 4.88 0.43 2.87 0.25 2.64 0.23 2.52 0.22 9.00 1.00 0.09

25 6.22 0.54 4.88 0.43 3.03 0.27 2.78 0.24 2.66 0.23 9.00 1.00 0.09

26 6.22 0.54 4.88 0.43 3.20 0.28 2.94 0.26 2.82 0.25 9.00 1.00 0.09

27 6.22 0.54 4.88 0.43 3.39 0.30 3.10 0.27 2.99 0.26 9.00 1.00 0.09

28 6.22 0.54 4.88 0.43 3.58 0.31 3.28 0.29 3.17 0.28 9.00 1.00 0.09

29 6.22 0.54 4.88 0.43 3.78 0.33 3.47 0.30 3.34 0.29 9.00 1.00 0.09

30 6.22 0.54 4.88 0.43 3.86 0.34 3.61 0.32 3.51 0.31 9.00 1.00 0.09

31 6.22 0.54 4.88 0.43 4.09 0.36 3.83 0.34 3.72 0.33 9.20 1.00 0.09

32 6.47 0.57 5.14 0.45 4.35 0.38 4.08 0.36 3.94 0.34 9.30 1.00 0.09

33 6.73 0.59 5.40 0.47 4.61 0.40 4.33 0.38 4.20 0.37 9.50 1.00 0.09

34 7.02 0.61 5.69 0.50 4.90 0.43 4.62 0.40 4.49 0.39 9.60 1.00 0.09

35 7.33 0.64 6.00 0.53 5.19 0.45 4.93 0.43 4.80 0.42 9.80 1.00 0.09

36 7.66 0.67 6.31 0.55 5.52 0.48 5.26 0.46 5.13 0.45 9.90 1.00 0.09

37 8.00 0.70 6.67 0.58 5.86 0.51 5.60 0.49 5.47 0.48 10.10 1.00 0.09

38 8.37 0.73 7.04 0.62 6.24 0.55 5.97 0.52 5.84 0.51 10.20 1.00 0.09

39 8.77 0.77 7.44 0.65 6.63 0.58 6.36 0.56 6.23 0.55 10.40 1.00 0.09

40 9.19 0.80 7.84 0.69 7.04 0.62 6.78 0.59 6.63 0.58 10.50 1.00 0.09

41 9.61 0.84 8.27 0.72 7.47 0.65 7.21 0.63 7.06 0.62 10.70 1.03 0.09

42 10.09 0.88 8.73 0.76 7.93 0.69 7.66 0.67 7.52 0.66 10.80 1.05 0.09

43 10.57 0.92 9.22 0.81 8.40 0.74 8.14 0.71 8.01 0.70 11.00 1.08 0.09

44 11.09 0.97 9.72 0.85 8.91 0.78 8.65 0.76 8.51 0.74 11.10 1.10 0.10

45 11.63 1.02 10.27 0.90 9.45 0.83 9.19 0.80 9.04 0.79 11.30 1.13 0.10

46 12.19 1.07 10.81 0.95 10.00 0.88 9.72 0.85 9.58 0.84 11.40 1.15 0.10

47 12.80 1.12 11.43 1.00 10.60 0.93 10.33 0.90 10.19 0.89 11.60 1.18 0.10

48 13.46 1.18 12.08 1.06 11.25 0.98 10.97 0.96 10.84 0.95 11.70 1.20 0.11

49 14.16 1.24 12.77 1.12 11.94 1.04 11.65 1.02 11.52 1.01 11.90 1.23 0.11

50 14.89 1.30 13.50 1.18 12.65 1.11 12.38 1.08 12.23 1.07 12.00 1.25 0.11

51 15.69 1.37 14.27 1.25 13.42 1.17 13.15 1.15 13.00 1.14 12.60 1.35 0.12

52 16.51 1.44 15.09 1.32 14.23 1.25 13.95 1.22 13.81 1.21 13.20 1.45 0.13

53 17.40 1.52 15.96 1.40 15.09 1.32 14.81 1.30 14.66 1.28 13.80 1.55 0.14

54 18.34 1.60 16.87 1.48 16.01 1.40 15.71 1.37 15.57 1.36 14.40 1.65 0.14

55 19.33 1.69 17.85 1.56 16.97 1.48 16.68 1.46 16.52 1.45 15.00 1.75 0.15

56 20.38 1.78 18.89 1.65 17.99 1.57 17.69 1.55 17.53 1.53 1.80 0.16

57 21.48 1.88 19.97 1.75 19.05 1.67 18.76 1.64 18.60 1.63 1.85 0.16

58 22.66 1.98 21.12 1.85 20.19 1.77 19.88 1.74 19.72 1.73 1.90 0.17

59 23.90 2.09 22.33 1.95 21.38 1.87 21.07 1.84 20.91 1.83 1.95 0.17

60 25.21 2.21 23.61 2.07 22.64 1.98 22.32 1.95 22.17 1.94 2.00 0.18

61 26.42 2.31 24.70 2.16 23.66 2.07 23.32 2.04 23.14 2.02

62 27.81 2.43 26.08 2.28 25.06 2.19 24.71 2.16 24.54 2.15

63 29.17 2.55 27.47 2.40 26.44 2.31 26.10 2.28 25.93 2.27

64 30.50 2.67 28.81 2.52 27.80 2.43 27.47 2.40 27.29 2.39

65 31.61 2.77 29.98 2.62 29.00 2.54 28.67 2.51 28.50 2.49

66 33.04 2.89 31.39 2.75 30.42 2.66 30.09 2.63 29.92 2.62

67 34.55 3.02 32.88 2.88 31.88 2.79 31.55 2.76 31.37 2.74

68 36.17 3.16 34.45 3.01 33.42 2.92 33.08 2.89 32.90 2.88

69 37.94 3.32 36.15 3.16 35.07 3.07 34.71 3.04 34.53 3.02

70 39.92 3.49 38.01 3.33 36.86 3.23 36.48 3.19 36.29 3.18

71 42.21 3.69 40.13 3.51 38.89 3.40 38.47 3.37 38.26 3.35

72 44.98 3.94 42.66 3.73 41.26 3.61 40.80 3.57 40.56 3.55

73 48.55 4.25 45.85 4.01 44.23 3.87 43.68 3.82 43.42 3.80

74 53.53 4.68 50.22 4.39 48.22 4.22 47.55 4.16 47.22 4.13

75 61.49 5.38 57.08 4.99 54.43 4.76 53.55 4.69 53.11 4.65





Total Disability

Premium Rate


20 4.48 0.39 3.28 0.29 2.55 0.22 1.82 0.16 1.71 0.15 6.00 1.00 0.09

21 4.48 0.39 3.28 0.29 2.55 0.22 1.84 0.16 1.74 0.15 6.00 1.00 0.09

22 4.48 0.39 3.28 0.29 2.55 0.22 1.87 0.16 1.76 0.15 6.00 1.00 0.09

23 4.48 0.39 3.28 0.29 2.55 0.22 1.91 0.17 1.81 0.16 6.00 1.00 0.09

24 4.48 0.39 3.28 0.29 2.55 0.22 1.96 0.17 1.86 0.16 6.00 1.00 0.09

25 4.48 0.39 3.28 0.29 2.55 0.22 2.02 0.18 1.92 0.17 6.00 1.00 0.09

26 4.48 0.39 3.28 0.29 2.55 0.22 2.09 0.18 1.99 0.17 6.00 1.00 0.09

27 4.48 0.39 3.28 0.29 2.55 0.22 2.17 0.19 2.07 0.18 6.00 1.00 0.09

28 4.48 0.39 3.28 0.29 2.55 0.22 2.26 0.20 2.15 0.19 6.00 1.00 0.09

29 4.48 0.39 3.28 0.29 2.55 0.22 2.35 0.21 2.24 0.20 6.00 1.00 0.09

30 4.48 0.39 3.28 0.29 2.55 0.22 2.38 0.21 2.30 0.20 6.00 1.00 0.09

31 4.59 0.40 3.39 0.30 2.67 0.23 2.49 0.22 2.41 0.21 6.10 1.00 0.09

32 4.71 0.41 3.51 0.31 2.78 0.24 2.60 0.23 2.52 0.22 6.20 1.00 0.09

33 4.83 0.42 3.63 0.32 2.91 0.25 2.72 0.24 2.64 0.23 6.30 1.00 0.09

34 4.97 0.43 3.77 0.33 3.05 0.27 2.84 0.25 2.76 0.24 6.40 1.00 0.09

35 5.12 0.45 3.92 0.34 3.20 0.28 2.98 0.26 2.90 0.25 6.50 1.00 0.09

36 5.28 0.46 4.08 0.36 3.36 0.29 3.13 0.27 3.05 0.27 6.60 1.00 0.09

37 5.46 0.48 4.26 0.37 3.54 0.31 3.30 0.29 3.21 0.28 6.70 1.00 0.09

38 5.66 0.50 4.46 0.39 3.74 0.33 3.50 0.31 3.39 0.30 6.80 1.00 0.09

39 5.88 0.51 4.68 0.41 3.96 0.35 3.72 0.33 3.60 0.32 6.90 1.00 0.09

40 6.11 0.53 4.91 0.43 4.19 0.37 3.95 0.35 3.83 0.34 7.00 1.00 0.09

41 6.36 0.56 5.16 0.45 4.44 0.39 4.20 0.37 4.08 0.36 7.10 1.03 0.09

42 6.63 0.58 5.43 0.48 4.71 0.41 4.47 0.39 4.35 0.38 7.20 1.05 0.09

43 6.92 0.61 5.72 0.50 5.00 0.44 4.76 0.42 4.64 0.41 7.30 1.08 0.09

44 7.24 0.63 6.03 0.53 5.31 0.46 5.07 0.44 4.95 0.43 7.40 1.10 0.10

45 7.57 0.66 6.36 0.56 5.64 0.49 5.40 0.47 5.27 0.46 7.50 1.13 0.10

46 7.91 0.69 6.70 0.59 5.97 0.52 5.72 0.50 5.60 0.49 7.60 1.15 0.10

47 8.30 0.73 7.08 0.62 6.35 0.56 6.11 0.53 5.98 0.52 7.70 1.18 0.10

48 8.71 0.76 7.49 0.66 6.76 0.59 6.51 0.57 6.39 0.56 7.80 1.20 0.11

49 9.16 0.80 7.93 0.69 7.19 0.63 6.95 0.61 6.82 0.60 7.90 1.23 0.11

50 9.64 0.84 8.40 0.74 7.66 0.67 7.41 0.65 7.29 0.64 8.00 1.25 0.11

51 10.15 0.89 8.90 0.78 8.15 0.71 7.91 0.69 7.78 0.68 8.40 1.35 0.12

52 10.69 0.94 9.44 0.83 8.69 0.76 8.44 0.74 8.31 0.73 8.80 1.45 0.13

53 11.28 0.99 10.01 0.88 9.25 0.81 9.00 0.79 8.87 0.78 9.20 1.55 0.14

54 11.90 1.04 10.62 0.93 9.86 0.86 9.60 0.84 9.47 0.83 9.60 1.65 0.14

55 12.56 1.10 11.27 0.99 10.50 0.92 10.24 0.90 10.11 0.88 10.00 1.75 0.15

56 13.27 1.16 11.97 1.05 11.19 0.98 10.92 0.96 10.79 0.94 1.80 0.16

57 14.03 1.23 12.71 1.11 11.91 1.04 11.65 1.02 11.52 1.01 1.85 0.16

58 14.83 1.30 13.49 1.18 12.68 1.11 12.41 1.09 12.28 1.07 1.90 0.17

59 15.69 1.37 14.32 1.25 13.50 1.18 13.23 1.16 13.09 1.15 1.95 0.17

60 16.59 1.45 15.20 1.33 14.36 1.26 14.09 1.23 13.95 1.22 2.00 0.18

61 17.34 1.52 15.84 1.39 14.95 1.31 14.65 1.28 14.50 1.27

62 18.31 1.60 16.82 1.47 15.92 1.39 15.63 1.37 15.48 1.35

63 19.27 1.69 17.79 1.56 16.90 1.48 16.60 1.45 16.46 1.44

64 20.19 1.77 18.73 1.64 17.85 1.56 17.56 1.54 17.41 1.52

65 20.94 1.83 19.52 1.71 18.68 1.63 18.39 1.61 18.25 1.60

66 21.90 1.92 20.48 1.79 19.63 1.72 19.34 1.69 19.20 1.68

67 22.92 2.01 21.48 1.88 20.61 1.80 20.32 1.78 20.17 1.76

68 24.01 2.10 22.52 1.97 21.62 1.89 21.32 1.87 21.18 1.85

69 25.18 2.20 23.62 2.07 22.69 1.99 22.38 1.96 22.22 1.94

70 26.49 2.32 24.83 2.17 23.83 2.09 23.50 2.06 23.34 2.04

71 28.00 2.45 26.19 2.29 25.10 2.20 24.74 2.16 24.56 2.15

72 29.81 2.61 27.78 2.43 26.56 2.32 26.16 2.29 25.95 2.27

73 32.14 2.81 29.78 2.61 28.36 2.48 27.88 2.44 27.65 2.42

74 35.37 3.09 32.46 2.84 30.71 2.69 30.13 2.64 29.84 2.61

75 40.56 3.55 36.67 3.21 34.34 3.00 33.57 2.94 33.18 2.90





Total Disability

Premium Rate


20 7.20 0.63 5.99 0.52 3.27 0.29 3.00 0.26 2.90 0.25 6.00 1.00 0.09

21 7.20 0.63 5.99 0.52 3.37 0.29 3.10 0.27 2.99 0.26 6.00 1.00 0.09

22 7.20 0.63 5.99 0.52 3.48 0.30 3.21 0.28 3.10 0.27 6.00 1.00 0.09

23 7.20 0.63 5.99 0.52 3.61 0.32 3.34 0.29 3.23 0.28 6.00 1.00 0.09

24 7.20 0.63 5.99 0.52 3.77 0.33 3.48 0.30 3.38 0.30 6.00 1.00 0.09

25 7.20 0.63 5.99 0.52 3.95 0.35 3.65 0.32 3.54 0.31 6.00 1.00 0.09

26 7.20 0.63 5.99 0.52 4.14 0.36 3.85 0.34 3.72 0.33 6.00 1.00 0.09

27 7.20 0.63 5.99 0.52 4.36 0.38 4.06 0.36 3.92 0.34 6.00 1.00 0.09

28 7.20 0.63 5.99 0.52 4.59 0.40 4.30 0.38 4.15 0.36 6.00 1.00 0.09

29 7.20 0.63 5.99 0.52 4.84 0.42 4.55 0.40 4.40 0.39 6.00 1.00 0.09

30 7.20 0.63 5.99 0.52 4.97 0.43 4.73 0.41 4.61 0.40 6.00 1.00 0.09

31 7.20 0.63 5.99 0.52 5.26 0.46 5.02 0.44 4.90 0.43 6.10 1.00 0.09

32 7.51 0.66 6.30 0.55 5.57 0.49 5.33 0.47 5.21 0.46 6.20 1.00 0.09

33 7.85 0.69 6.63 0.58 5.90 0.52 5.66 0.50 5.54 0.48 6.30 1.00 0.09

34 8.21 0.72 6.99 0.61 6.26 0.55 6.02 0.53 5.90 0.52 6.40 1.00 0.09

35 8.59 0.75 7.38 0.65 6.65 0.58 6.41 0.56 6.28 0.55 6.50 1.00 0.09

36 9.02 0.79 7.80 0.68 7.07 0.62 6.83 0.60 6.70 0.59 6.60 1.00 0.09

37 9.48 0.83 8.26 0.72 7.53 0.66 7.28 0.64 7.16 0.63 6.70 1.00 0.09

38 9.99 0.87 8.76 0.77 8.03 0.70 7.79 0.68 7.66 0.67 6.80 1.00 0.09

39 10.54 0.92 9.31 0.81 8.57 0.75 8.33 0.73 8.21 0.72 6.90 1.00 0.09

40 11.14 0.97 9.90 0.87 9.17 0.80 8.92 0.78 8.80 0.77 7.00 1.00 0.09

41 11.78 1.03 10.54 0.92 9.80 0.86 9.55 0.84 9.43 0.83 7.10 1.03 0.09

42 12.47 1.09 11.23 0.98 10.48 0.92 10.23 0.90 10.11 0.88 7.20 1.05 0.09

43 13.21 1.16 11.96 1.05 11.21 0.98 10.96 0.96 10.84 0.95 7.30 1.08 0.09

44 14.01 1.23 12.75 1.12 12.00 1.05 11.74 1.03 11.62 1.02 7.40 1.10 0.10

45 14.85 1.30 13.59 1.19 12.83 1.12 12.57 1.10 12.45 1.09 7.50 1.13 0.10

46 15.72 1.38 14.44 1.26 13.68 1.20 13.42 1.17 13.29 1.16 7.60 1.15 0.10

47 16.69 1.46 15.40 1.35 14.63 1.28 14.37 1.26 14.25 1.25 7.70 1.18 0.10

48 17.73 1.55 16.43 1.44 15.65 1.37 15.39 1.35 15.26 1.34 7.80 1.20 0.11

49 18.82 1.65 17.51 1.53 16.72 1.46 16.46 1.44 16.33 1.43 7.90 1.23 0.11

50 19.99 1.75 18.66 1.63 17.87 1.56 17.60 1.54 17.47 1.53 8.00 1.25 0.11

51 21.22 1.86 19.88 1.74 19.08 1.67 18.81 1.65 18.67 1.63 8.40 1.35 0.12

52 22.53 1.97 21.17 1.85 20.36 1.78 20.08 1.76 19.95 1.75 8.80 1.45 0.13

53 23.91 2.09 22.53 1.97 21.70 1.90 21.43 1.88 21.29 1.86 9.20 1.55 0.14

54 25.37 2.22 23.97 2.10 23.13 2.02 22.85 2.00 22.71 1.99 9.60 1.65 0.14

55 26.90 2.35 25.48 2.23 24.62 2.15 24.34 2.13 24.20 2.12 10.00 1.75 0.15

56 28.51 2.49 27.07 2.37 26.20 2.29 25.91 2.27 25.76 2.25 1.80 0.16

57 30.20 2.64 28.72 2.51 27.84 2.44 27.54 2.41 27.40 2.40 1.85 0.16

58 31.97 2.80 30.46 2.67 29.56 2.59 29.26 2.56 29.11 2.55 1.90 0.17

59 33.81 2.96 32.27 2.82 31.35 2.74 31.04 2.72 30.89 2.70 1.95 0.17

60 35.72 3.13 34.15 2.99 33.21 2.91 32.89 2.88 32.74 2.86 2.00 0.18

61 37.29 3.26 35.61 3.12 34.59 3.03 34.26 3.00 34.09 2.98

62 39.31 3.44 37.62 3.29 36.61 3.20 36.27 3.17 36.10 3.16

63 41.26 3.61 39.58 3.46 38.57 3.37 38.24 3.35 38.07 3.33

64 43.09 3.77 41.43 3.63 40.43 3.54 40.10 3.51 39.93 3.49

65 44.55 3.90 42.94 3.76 41.98 3.67 41.65 3.64 41.49 3.63

66 46.34 4.05 44.72 3.91 43.76 3.83 43.43 3.80 43.27 3.79

67 48.17 4.21 46.53 4.07 45.54 3.98 45.22 3.96 45.05 3.94

68 50.04 4.38 48.36 4.23 47.35 4.14 47.01 4.11 46.84 4.10

69 52.00 4.55 50.25 4.40 49.20 4.31 48.85 4.27 48.67 4.26

70 54.12 4.74 52.27 4.57 51.16 4.48 50.78 4.44 50.60 4.43

71 56.52 4.95 54.52 4.77 53.31 4.66 52.91 4.63 52.71 4.61

72 59.34 5.19 57.11 5.00 55.77 4.88 55.33 4.84 55.10 4.82

73 62.93 5.51 60.36 5.28 58.81 5.15 58.29 5.10 58.03 5.08

74 67.89 5.94 64.75 5.67 62.87 5.50 62.24 5.45 61.93 5.42

75 75.95 6.65 71.81 6.28 69.32 6.07 68.49 5.99 68.08 5.96





Total Disability

Premium Rate


20 3.80 0.33 2.60 0.23 1.92 0.17 1.24 0.11 1.13 0.10 9.00 1.00 0.09

21 3.80 0.33 2.60 0.23 1.92 0.17 1.27 0.11 1.16 0.10 9.00 1.00 0.09

22 3.80 0.33 2.60 0.23 1.92 0.17 1.31 0.11 1.20 0.11 9.00 1.00 0.09

23 3.80 0.33 2.60 0.23 1.92 0.17 1.35 0.12 1.25 0.11 9.00 1.00 0.09

24 3.80 0.33 2.60 0.23 1.92 0.17 1.40 0.12 1.30 0.11 9.00 1.00 0.09

25 3.80 0.33 2.60 0.23 1.92 0.17 1.46 0.13 1.35 0.12 9.00 1.00 0.09

26 3.80 0.33 2.60 0.23 1.92 0.17 1.52 0.13 1.42 0.12 9.00 1.00 0.09

27 3.80 0.33 2.60 0.23 1.92 0.17 1.59 0.14 1.48 0.13 9.00 1.00 0.09

28 3.80 0.33 2.60 0.23 1.92 0.17 1.66 0.15 1.56 0.14 9.00 1.00 0.09

29 3.80 0.33 2.60 0.23 1.92 0.17 1.73 0.15 1.63 0.14 9.00 1.00 0.09

30 3.80 0.33 2.60 0.23 1.92 0.17 1.76 0.15 1.67 0.15 9.00 1.00 0.09

31 3.89 0.34 2.69 0.24 2.01 0.18 1.84 0.16 1.76 0.15 9.20 1.00 0.09

32 3.98 0.35 2.78 0.24 2.09 0.18 1.92 0.17 1.84 0.16 9.30 1.00 0.09

33 4.08 0.36 2.88 0.25 2.19 0.19 2.02 0.18 1.94 0.17 9.50 1.00 0.09

34 4.19 0.37 2.99 0.26 2.29 0.20 2.12 0.19 2.04 0.18 9.60 1.00 0.09

35 4.31 0.38 3.11 0.27 2.39 0.21 2.23 0.20 2.15 0.19 9.80 1.00 0.09

36 4.43 0.39 3.24 0.28 2.52 0.22 2.34 0.20 2.26 0.20 9.90 1.00 0.09

37 4.57 0.40 3.37 0.29 2.65 0.23 2.47 0.22 2.39 0.21 10.10 1.00 0.09

38 4.72 0.41 3.52 0.31 2.80 0.25 2.60 0.23 2.52 0.22 10.20 1.00 0.09

39 4.87 0.43 3.67 0.32 2.96 0.26 2.74 0.24 2.66 0.23 10.40 1.00 0.09

40 5.04 0.44 3.84 0.34 3.12 0.27 2.89 0.25 2.81 0.25 10.50 1.00 0.09

41 5.21 0.46 4.02 0.35 3.30 0.29 3.06 0.27 2.96 0.26 10.70 1.03 0.09

42 5.40 0.47 4.20 0.37 3.49 0.31 3.25 0.28 3.13 0.27 10.80 1.05 0.09

43 5.60 0.49 4.40 0.39 3.68 0.32 3.44 0.30 3.32 0.29 11.00 1.08 0.09

44 5.82 0.51 4.62 0.40 3.90 0.34 3.66 0.32 3.54 0.31 11.10 1.10 0.10

45 6.05 0.53 4.85 0.42 4.12 0.36 3.88 0.34 3.76 0.33 11.30 1.13 0.10

46 6.28 0.55 5.08 0.44 4.35 0.38 4.11 0.36 3.99 0.35 11.40 1.15 0.10

47 6.55 0.57 5.34 0.47 4.62 0.40 4.38 0.38 4.26 0.37 11.60 1.18 0.10

48 6.84 0.60 5.63 0.49 4.91 0.43 4.66 0.41 4.54 0.40 11.70 1.20 0.11

49 7.16 0.63 5.94 0.52 5.21 0.46 4.97 0.43 4.85 0.42 11.90 1.23 0.11

50 7.49 0.66 6.27 0.55 5.54 0.48 5.30 0.46 5.17 0.45 12.00 1.25 0.11

51 7.86 0.69 6.63 0.58 5.89 0.52 5.65 0.49 5.53 0.48 12.60 1.35 0.12

52 8.25 0.72 7.01 0.61 6.27 0.55 6.03 0.53 5.90 0.52 13.20 1.45 0.13

53 8.67 0.76 7.43 0.65 6.68 0.58 6.43 0.56 6.31 0.55 13.80 1.55 0.14

54 9.12 0.80 7.87 0.69 7.12 0.62 6.86 0.60 6.74 0.59 14.40 1.65 0.14

55 9.61 0.84 8.34 0.73 7.58 0.66 7.33 0.64 7.20 0.63 15.00 1.75 0.15

56 10.13 0.89 8.85 0.77 8.08 0.71 7.83 0.69 7.70 0.67 1.80 0.16

57 10.70 0.94 9.40 0.82 8.62 0.75 8.36 0.73 8.23 0.72 1.85 0.16

58 11.30 0.99 9.99 0.87 9.20 0.81 8.93 0.78 8.80 0.77 1.90 0.17

59 11.95 1.05 10.61 0.93 9.81 0.86 9.54 0.83 9.41 0.82 1.95 0.17

60 12.65 1.11 11.29 0.99 10.47 0.92 10.19 0.89 10.06 0.88 2.00 0.18

61 13.31 1.16 11.84 1.04 10.96 0.96 10.67 0.93 10.53 0.92

62 14.05 1.23 12.59 1.10 11.72 1.03 11.43 1.00 11.28 0.99

63 14.80 1.30 13.36 1.17 12.49 1.09 12.20 1.07 12.05 1.05

64 15.55 1.36 14.12 1.24 13.26 1.16 12.97 1.13 12.83 1.12

65 16.17 1.41 14.79 1.29 13.96 1.22 13.68 1.20 13.54 1.18

66 17.01 1.49 15.62 1.37 14.78 1.29 14.50 1.27 14.36 1.26

67 17.91 1.57 16.50 1.44 15.65 1.37 15.37 1.34 15.22 1.33

68 18.91 1.65 17.45 1.53 16.58 1.45 16.29 1.43 16.14 1.41

69 20.02 1.75 18.49 1.62 17.58 1.54 17.27 1.51 17.12 1.50

70 21.29 1.86 19.65 1.72 18.68 1.63 18.35 1.61 18.19 1.59

71 22.77 1.99 20.99 1.84 19.92 1.74 19.56 1.71 19.38 1.70

72 24.59 2.15 22.58 1.98 21.38 1.87 20.98 1.84 20.78 1.82

73 26.94 2.36 24.60 2.15 23.20 2.03 22.73 1.99 22.50 1.97

74 30.22 2.64 27.34 2.39 25.61 2.24 25.03 2.19 24.74 2.16

75 35.46 3.10 31.60 2.77 29.29 2.56 28.52 2.50 28.13 2.46





Total Disability

Premium Rate


20 5.65 0.49 4.44 0.39 2.20 0.19 1.99 0.17 1.89 0.17 9.00 1.00 0.09

21 5.65 0.49 4.44 0.39 2.29 0.20 2.08 0.18 1.97 0.17 9.00 1.00 0.09

22 5.65 0.49 4.44 0.39 2.38 0.21 2.17 0.19 2.07 0.18 9.00 1.00 0.09

23 5.65 0.49 4.44 0.39 2.49 0.22 2.28 0.20 2.17 0.19 9.00 1.00 0.09

24 5.65 0.49 4.44 0.39 2.61 0.23 2.40 0.21 2.29 0.20 9.00 1.00 0.09

25 5.65 0.49 4.44 0.39 2.75 0.24 2.53 0.22 2.42 0.21 9.00 1.00 0.09

26 5.65 0.49 4.44 0.39 2.91 0.25 2.67 0.23 2.56 0.22 9.00 1.00 0.09

27 5.65 0.49 4.44 0.39 3.08 0.27 2.82 0.25 2.72 0.24 9.00 1.00 0.09

28 5.65 0.49 4.44 0.39 3.25 0.28 2.98 0.26 2.88 0.25 9.00 1.00 0.09

29 5.65 0.49 4.44 0.39 3.44 0.30 3.15 0.28 3.04 0.27 9.00 1.00 0.09

30 5.65 0.49 4.44 0.39 3.51 0.31 3.28 0.29 3.19 0.28 9.00 1.00 0.09

31 5.65 0.49 4.44 0.39 3.72 0.33 3.48 0.30 3.38 0.30 9.20 1.00 0.09

32 5.88 0.51 4.67 0.41 3.95 0.35 3.71 0.32 3.58 0.31 9.30 1.00 0.09

33 6.12 0.54 4.91 0.43 4.19 0.37 3.94 0.34 3.82 0.33 9.50 1.00 0.09

34 6.38 0.56 5.17 0.45 4.45 0.39 4.20 0.37 4.08 0.36 9.60 1.00 0.09

35 6.66 0.58 5.45 0.48 4.72 0.41 4.48 0.39 4.36 0.38 9.80 1.00 0.09

36 6.96 0.61 5.74 0.50 5.02 0.44 4.78 0.42 4.66 0.41 9.90 1.00 0.09

37 7.27 0.64 6.06 0.53 5.33 0.47 5.09 0.45 4.97 0.43 10.10 1.00 0.09

38 7.61 0.67 6.40 0.56 5.67 0.50 5.43 0.48 5.31 0.46 10.20 1.00 0.09

39 7.97 0.70 6.76 0.59 6.03 0.53 5.78 0.51 5.66 0.50 10.40 1.00 0.09

40 8.35 0.73 7.13 0.62 6.40 0.56 6.16 0.54 6.03 0.53 10.50 1.00 0.09

41 8.74 0.76 7.52 0.66 6.79 0.59 6.55 0.57 6.42 0.56 10.70 1.03 0.09

42 9.17 0.80 7.94 0.69 7.21 0.63 6.96 0.61 6.84 0.60 10.80 1.05 0.09

43 9.61 0.84 8.38 0.73 7.64 0.67 7.40 0.65 7.28 0.64 11.00 1.08 0.09

44 10.08 0.88 8.84 0.77 8.10 0.71 7.86 0.69 7.74 0.68 11.10 1.10 0.10

45 10.57 0.92 9.34 0.82 8.59 0.75 8.35 0.73 8.22 0.72 11.30 1.13 0.10

46 11.08 0.97 9.83 0.86 9.09 0.80 8.84 0.77 8.71 0.76 11.40 1.15 0.10

47 11.64 1.02 10.39 0.91 9.64 0.84 9.39 0.82 9.26 0.81 11.60 1.18 0.10

48 12.24 1.07 10.98 0.96 10.23 0.90 9.97 0.87 9.85 0.86 11.70 1.20 0.11

49 12.87 1.13 11.61 1.02 10.85 0.95 10.59 0.93 10.47 0.92 11.90 1.23 0.11

50 13.54 1.18 12.27 1.07 11.50 1.01 11.25 0.98 11.12 0.97 12.00 1.25 0.11

51 14.26 1.25 12.97 1.13 12.20 1.07 11.95 1.05 11.82 1.03 12.60 1.35 0.12

52 15.01 1.31 13.72 1.20 12.94 1.13 12.68 1.11 12.55 1.10 13.20 1.45 0.13

53 15.82 1.38 14.51 1.27 13.72 1.20 13.46 1.18 13.33 1.17 13.80 1.55 0.14

54 16.67 1.46 15.34 1.34 14.55 1.27 14.28 1.25 14.15 1.24 14.40 1.65 0.14

55 17.57 1.54 16.23 1.42 15.43 1.35 15.16 1.33 15.02 1.31 15.00 1.75 0.15

56 18.53 1.62 17.17 1.50 16.35 1.43 16.08 1.41 15.94 1.39 1.80 0.16

57 19.53 1.71 18.15 1.59 17.32 1.52 17.05 1.49 16.91 1.48 1.85 0.16

58 20.60 1.80 19.20 1.68 18.35 1.61 18.07 1.58 17.93 1.57 1.90 0.17

59 21.73 1.90 20.30 1.78 19.44 1.70 19.15 1.68 19.01 1.66 1.95 0.17

60 22.92 2.01 21.46 1.88 20.58 1.80 20.29 1.78 20.15 1.76 2.00 0.18

61 24.02 2.10 22.45 1.96 21.51 1.88 21.20 1.86 21.04 1.84

62 25.28 2.21 23.71 2.07 22.78 1.99 22.46 1.97 22.31 1.95

63 26.52 2.32 24.97 2.18 24.04 2.10 23.73 2.08 23.57 2.06

64 27.73 2.43 26.19 2.29 25.27 2.21 24.97 2.18 24.81 2.17

65 28.74 2.51 27.25 2.38 26.36 2.31 26.06 2.28 25.91 2.27

66 30.04 2.63 28.54 2.50 27.65 2.42 27.35 2.39 27.20 2.38

67 31.41 2.75 29.89 2.62 28.98 2.54 28.68 2.51 28.52 2.50

68 32.88 2.88 31.32 2.74 30.38 2.66 30.07 2.63 29.91 2.62

69 34.49 3.02 32.86 2.88 31.88 2.79 31.55 2.76 31.39 2.75

70 36.29 3.18 34.55 3.02 33.51 2.93 33.16 2.90 32.99 2.89

71 38.37 3.36 36.48 3.19 35.35 3.09 34.97 3.06 34.78 3.04

72 40.89 3.58 38.78 3.39 37.51 3.28 37.09 3.25 36.87 3.23

73 44.14 3.86 41.68 3.65 40.21 3.52 39.71 3.47 39.47 3.45

74 48.66 4.26 45.65 3.99 43.84 3.84 43.23 3.78 42.93 3.76

75 55.90 4.89 51.89 4.54 49.48 4.33 48.68 4.26 48.28 4.22





Total Disability

Premium Rate


20 5.38 0.47 3.94 0.34 3.06 0.27 2.18 0.19 2.05 0.18 6.00 1.00 0.09

21 5.38 0.47 3.94 0.34 3.06 0.27 2.21 0.19 2.09 0.18 6.00 1.00 0.09

22 5.38 0.47 3.94 0.34 3.06 0.27 2.24 0.20 2.11 0.18 6.00 1.00 0.09

23 5.38 0.47 3.94 0.34 3.06 0.27 2.29 0.20 2.17 0.19 6.00 1.00 0.09

24 5.38 0.47 3.94 0.34 3.06 0.27 2.35 0.21 2.23 0.20 6.00 1.00 0.09

25 5.38 0.47 3.94 0.34 3.06 0.27 2.42 0.21 2.30 0.20 6.00 1.00 0.09

26 5.38 0.47 3.94 0.34 3.06 0.27 2.51 0.22 2.39 0.21 6.00 1.00 0.09

27 5.38 0.47 3.94 0.34 3.06 0.27 2.60 0.23 2.48 0.22 6.00 1.00 0.09

28 5.38 0.47 3.94 0.34 3.06 0.27 2.71 0.24 2.58 0.23 6.00 1.00 0.09

29 5.38 0.47 3.94 0.34 3.06 0.27 2.82 0.25 2.69 0.24 6.00 1.00 0.09

30 5.38 0.47 3.94 0.34 3.06 0.27 2.86 0.25 2.76 0.24 6.00 1.00 0.09

31 5.51 0.48 4.07 0.36 3.20 0.28 2.99 0.26 2.89 0.25 6.10 1.00 0.09

32 5.65 0.49 4.21 0.37 3.34 0.29 3.12 0.27 3.02 0.26 6.20 1.00 0.09

33 5.80 0.51 4.36 0.38 3.49 0.31 3.26 0.29 3.17 0.28 6.30 1.00 0.09

34 5.96 0.52 4.52 0.40 3.66 0.32 3.41 0.30 3.31 0.29 6.40 1.00 0.09

35 6.14 0.54 4.70 0.41 3.84 0.34 3.58 0.31 3.48 0.30 6.50 1.00 0.09

36 6.34 0.55 4.90 0.43 4.03 0.35 3.76 0.33 3.66 0.32 6.60 1.00 0.09

37 6.55 0.57 5.11 0.45 4.25 0.37 3.96 0.35 3.85 0.34 6.70 1.00 0.09

38 6.79 0.59 5.35 0.47 4.49 0.39 4.20 0.37 4.07 0.36 6.80 1.00 0.09

39 7.06 0.62 5.62 0.49 4.75 0.42 4.46 0.39 4.32 0.38 6.90 1.00 0.09

40 7.33 0.64 5.89 0.52 5.03 0.44 4.74 0.41 4.60 0.40 7.00 1.00 0.09

41 7.63 0.67 6.19 0.54 5.33 0.47 5.04 0.44 4.90 0.43 7.10 1.03 0.09

42 7.96 0.70 6.52 0.57 5.65 0.49 5.36 0.47 5.22 0.46 7.20 1.05 0.09

43 8.30 0.73 6.86 0.60 6.00 0.53 5.71 0.50 5.57 0.49 7.30 1.08 0.09

44 8.69 0.76 7.24 0.63 6.37 0.56 6.08 0.53 5.94 0.52 7.40 1.10 0.10

45 9.08 0.79 7.63 0.67 6.77 0.59 6.48 0.57 6.32 0.55 7.50 1.13 0.10

46 9.49 0.83 8.04 0.70 7.16 0.63 6.86 0.60 6.72 0.59 7.60 1.15 0.10

47 9.96 0.87 8.50 0.74 7.62 0.67 7.33 0.64 7.18 0.63 7.70 1.18 0.10

48 10.45 0.91 8.99 0.79 8.11 0.71 7.81 0.68 7.67 0.67 7.80 1.20 0.11

49 10.99 0.96 9.52 0.83 8.63 0.76 8.34 0.73 8.18 0.72 7.90 1.23 0.11

50 11.57 1.01 10.08 0.88 9.19 0.80 8.89 0.78 8.75 0.77 8.00 1.25 0.11

51 12.18 1.07 10.68 0.93 9.78 0.86 9.49 0.83 9.34 0.82 8.40 1.35 0.12

52 12.83 1.12 11.33 0.99 10.43 0.91 10.13 0.89 9.97 0.87 8.80 1.45 0.13

53 13.54 1.18 12.01 1.05 11.10 0.97 10.80 0.95 10.64 0.93 9.20 1.55 0.14

54 14.28 1.25 12.74 1.11 11.83 1.04 11.52 1.01 11.36 0.99 9.60 1.65 0.14

55 15.07 1.32 13.52 1.18 12.60 1.10 12.29 1.08 12.13 1.06 10.00 1.75 0.15

56 15.92 1.39 14.36 1.26 13.43 1.18 13.10 1.15 12.95 1.13 1.80 0.16

57 16.84 1.47 15.25 1.33 14.29 1.25 13.98 1.22 13.82 1.21 1.85 0.16

58 17.80 1.56 16.19 1.42 15.22 1.33 14.89 1.30 14.74 1.29 1.90 0.17

59 18.83 1.65 17.18 1.50 16.20 1.42 15.88 1.39 15.71 1.37 1.95 0.17

60 19.91 1.74 18.24 1.60 17.23 1.51 16.91 1.48 16.74 1.46 2.00 0.18

61 20.81 1.82 19.01 1.66 17.94 1.57 17.58 1.54 17.40 1.52

62 21.97 1.92 20.18 1.77 19.10 1.67 18.76 1.64 18.58 1.63

63 23.12 2.02 21.35 1.87 20.28 1.77 19.92 1.74 19.75 1.73

64 24.23 2.12 22.48 1.97 21.42 1.87 21.07 1.84 20.89 1.83

65 25.13 2.20 23.42 2.05 22.42 1.96 22.07 1.93 21.90 1.92

66 26.28 2.30 24.58 2.15 23.56 2.06 23.21 2.03 23.04 2.02

67 27.50 2.41 25.78 2.26 24.73 2.16 24.38 2.13 24.20 2.12

68 28.81 2.52 27.02 2.36 25.94 2.27 25.58 2.24 25.42 2.22

69 30.22 2.64 28.34 2.48 27.23 2.38 26.86 2.35 26.66 2.33

70 31.79 2.78 29.80 2.61 28.60 2.50 28.20 2.47 28.01 2.45

71 33.60 2.94 31.43 2.75 30.12 2.64 29.69 2.60 29.47 2.58

72 35.77 3.13 33.34 2.92 31.87 2.79 31.39 2.75 31.14 2.72

73 38.57 3.37 35.74 3.13 34.03 2.98 33.46 2.93 33.18 2.90

74 42.44 3.71 38.95 3.41 36.85 3.22 36.16 3.16 35.81 3.13

75 48.67 4.26 44.00 3.85 41.21 3.61 40.28 3.52 39.82 3.48





Total Disability

Premium Rate


20 8.64 0.76 7.19 0.63 3.92 0.34 3.60 0.32 3.48 0.30 6.00 1.00 0.09

21 8.64 0.76 7.19 0.63 4.04 0.35 3.72 0.33 3.59 0.31 6.00 1.00 0.09

22 8.64 0.76 7.19 0.63 4.18 0.37 3.85 0.34 3.72 0.33 6.00 1.00 0.09

23 8.64 0.76 7.19 0.63 4.33 0.38 4.01 0.35 3.88 0.34 6.00 1.00 0.09

24 8.64 0.76 7.19 0.63 4.52 0.40 4.18 0.37 4.06 0.36 6.00 1.00 0.09

25 8.64 0.76 7.19 0.63 4.74 0.41 4.38 0.38 4.25 0.37 6.00 1.00 0.09

26 8.64 0.76 7.19 0.63 4.97 0.43 4.62 0.40 4.46 0.39 6.00 1.00 0.09

27 8.64 0.76 7.19 0.63 5.23 0.46 4.87 0.43 4.70 0.41 6.00 1.00 0.09

28 8.64 0.76 7.19 0.63 5.51 0.48 5.16 0.45 4.98 0.44 6.00 1.00 0.09

29 8.64 0.76 7.19 0.63 5.81 0.51 5.46 0.48 5.28 0.46 6.00 1.00 0.09

30 8.64 0.76 7.19 0.63 5.96 0.52 5.68 0.50 5.53 0.48 6.00 1.00 0.09

31 8.64 0.76 7.19 0.63 6.31 0.55 6.02 0.53 5.88 0.51 6.10 1.00 0.09

32 9.01 0.79 7.56 0.66 6.68 0.58 6.40 0.56 6.25 0.55 6.20 1.00 0.09

33 9.42 0.82 7.96 0.70 7.08 0.62 6.79 0.59 6.65 0.58 6.30 1.00 0.09

34 9.85 0.86 8.39 0.73 7.51 0.66 7.22 0.63 7.08 0.62 6.40 1.00 0.09

35 10.31 0.90 8.86 0.78 7.98 0.70 7.69 0.67 7.54 0.66 6.50 1.00 0.09

36 10.82 0.95 9.36 0.82 8.48 0.74 8.20 0.72 8.04 0.70 6.60 1.00 0.09

37 11.38 1.00 9.91 0.87 9.04 0.79 8.74 0.76 8.59 0.75 6.70 1.00 0.09

38 11.99 1.05 10.51 0.92 9.64 0.84 9.35 0.82 9.19 0.80 6.80 1.00 0.09

39 12.65 1.11 11.17 0.98 10.28 0.90 10.00 0.88 9.85 0.86 6.90 1.00 0.09

40 13.37 1.17 11.88 1.04 11.00 0.96 10.70 0.94 10.56 0.92 7.00 1.00 0.09

41 14.14 1.24 12.65 1.11 11.76 1.03 11.46 1.00 11.32 0.99 7.10 1.03 0.09

42 14.96 1.31 13.48 1.18 12.58 1.10 12.28 1.07 12.13 1.06 7.20 1.05 0.09

43 15.85 1.39 14.35 1.26 13.45 1.18 13.15 1.15 13.01 1.14 7.30 1.08 0.09

44 16.81 1.47 15.30 1.34 14.40 1.26 14.09 1.23 13.94 1.22 7.40 1.10 0.10

45 17.82 1.56 16.31 1.43 15.40 1.35 15.08 1.32 14.94 1.31 7.50 1.13 0.10

46 18.86 1.65 17.33 1.52 16.42 1.44 16.10 1.41 15.95 1.40 7.60 1.15 0.10

47 20.03 1.75 18.48 1.62 17.56 1.54 17.24 1.51 17.10 1.50 7.70 1.18 0.10

48 21.28 1.86 19.72 1.73 18.78 1.64 18.47 1.62 18.31 1.60 7.80 1.20 0.11

49 22.58 1.98 21.01 1.84 20.06 1.76 19.75 1.73 19.60 1.72 7.90 1.23 0.11

50 23.99 2.10 22.39 1.96 21.44 1.88 21.12 1.85 20.96 1.83 8.00 1.25 0.11

51 25.46 2.23 23.86 2.09 22.90 2.00 22.57 1.97 22.40 1.96 8.40 1.35 0.12

52 27.04 2.37 25.40 2.22 24.43 2.14 24.10 2.11 23.94 2.09 8.80 1.45 0.13

53 28.69 2.51 27.04 2.37 26.04 2.28 25.72 2.25 25.55 2.24 9.20 1.55 0.14

54 30.44 2.66 28.76 2.52 27.76 2.43 27.42 2.40 27.25 2.38 9.60 1.65 0.14

55 32.28 2.82 30.58 2.68 29.54 2.58 29.21 2.56 29.04 2.54 10.00 1.75 0.15

56 34.21 2.99 32.48 2.84 31.44 2.75 31.09 2.72 30.91 2.70 1.80 0.16

57 36.24 3.17 34.46 3.02 33.41 2.92 33.05 2.89 32.88 2.88 1.85 0.16

58 38.36 3.36 36.55 3.20 35.47 3.10 35.11 3.07 34.93 3.06 1.90 0.17

59 40.57 3.55 38.72 3.39 37.62 3.29 37.25 3.26 37.07 3.24 1.95 0.17

60 42.86 3.75 40.98 3.59 39.85 3.49 39.47 3.45 39.29 3.44 2.00 0.18

61 44.75 3.92 42.73 3.74 41.51 3.63 41.11 3.60 40.91 3.58

62 47.17 4.13 45.14 3.95 43.93 3.84 43.52 3.81 43.32 3.79

63 49.51 4.33 47.50 4.16 46.28 4.05 45.89 4.02 45.68 4.00

64 51.71 4.52 49.72 4.35 48.52 4.25 48.12 4.21 47.92 4.19

65 53.46 4.68 51.53 4.51 50.38 4.41 49.98 4.37 49.79 4.36

66 55.61 4.87 53.66 4.70 52.51 4.59 52.12 4.56 51.92 4.54

67 57.80 5.06 55.84 4.89 54.65 4.78 54.26 4.75 54.06 4.73

68 60.05 5.25 58.03 5.08 56.82 4.97 56.41 4.94 56.21 4.92

69 62.40 5.46 60.30 5.28 59.04 5.17 58.62 5.13 58.40 5.11

70 64.94 5.68 62.72 5.49 61.39 5.37 60.94 5.33 60.72 5.31

71 67.82 5.93 65.42 5.72 63.97 5.60 63.49 5.56 63.25 5.53

72 71.21 6.23 68.53 6.00 66.92 5.86 66.40 5.81 66.12 5.79

73 75.52 6.61 72.43 6.34 70.57 6.17 69.95 6.12 69.64 6.09

74 81.47 7.13 77.70 6.80 75.44 6.60 74.69 6.54 74.32 6.50

75 91.14 7.97 86.17 7.54 83.18 7.28 82.19 7.19 81.70 7.15





Total Disability

Premium Rate


20 4.56 0.40 3.12 0.27 2.30 0.20 1.49 0.13 1.36 0.12 9.00 1.00 0.09

21 4.56 0.40 3.12 0.27 2.30 0.20 1.52 0.13 1.39 0.12 9.00 1.00 0.09

22 4.56 0.40 3.12 0.27 2.30 0.20 1.57 0.14 1.44 0.13 9.00 1.00 0.09

23 4.56 0.40 3.12 0.27 2.30 0.20 1.62 0.14 1.50 0.13 9.00 1.00 0.09

24 4.56 0.40 3.12 0.27 2.30 0.20 1.68 0.15 1.56 0.14 9.00 1.00 0.09

25 4.56 0.40 3.12 0.27 2.30 0.20 1.75 0.15 1.62 0.14 9.00 1.00 0.09

26 4.56 0.40 3.12 0.27 2.30 0.20 1.82 0.16 1.70 0.15 9.00 1.00 0.09

27 4.56 0.40 3.12 0.27 2.30 0.20 1.91 0.17 1.78 0.16 9.00 1.00 0.09

28 4.56 0.40 3.12 0.27 2.30 0.20 1.99 0.17 1.87 0.16 9.00 1.00 0.09

29 4.56 0.40 3.12 0.27 2.30 0.20 2.08 0.18 1.96 0.17 9.00 1.00 0.09

30 4.56 0.40 3.12 0.27 2.30 0.20 2.11 0.18 2.00 0.18 9.00 1.00 0.09

31 4.67 0.41 3.23 0.28 2.41 0.21 2.21 0.19 2.11 0.18 9.20 1.00 0.09

32 4.78 0.42 3.34 0.29 2.51 0.22 2.30 0.20 2.21 0.19 9.30 1.00 0.09

33 4.90 0.43 3.46 0.30 2.63 0.23 2.42 0.21 2.33 0.20 9.50 1.00 0.09

34 5.03 0.44 3.59 0.31 2.75 0.24 2.54 0.22 2.45 0.21 9.60 1.00 0.09

35 5.17 0.45 3.73 0.33 2.87 0.25 2.68 0.23 2.58 0.23 9.80 1.00 0.09

36 5.32 0.47 3.89 0.34 3.02 0.26 2.81 0.25 2.71 0.24 9.90 1.00 0.09

37 5.48 0.48 4.04 0.35 3.18 0.28 2.96 0.26 2.87 0.25 10.10 1.00 0.09

38 5.66 0.50 4.22 0.37 3.36 0.29 3.12 0.27 3.02 0.26 10.20 1.00 0.09

39 5.84 0.51 4.40 0.39 3.55 0.31 3.29 0.29 3.19 0.28 10.40 1.00 0.09

40 6.05 0.53 4.61 0.40 3.74 0.33 3.47 0.30 3.37 0.29 10.50 1.00 0.09

41 6.25 0.55 4.82 0.42 3.96 0.35 3.67 0.32 3.55 0.31 10.70 1.03 0.09

42 6.48 0.57 5.04 0.44 4.19 0.37 3.90 0.34 3.76 0.33 10.80 1.05 0.09

43 6.72 0.59 5.28 0.46 4.42 0.39 4.13 0.36 3.98 0.35 11.00 1.08 0.09

44 6.98 0.61 5.54 0.48 4.68 0.41 4.39 0.38 4.25 0.37 11.10 1.10 0.10

45 7.26 0.64 5.82 0.51 4.94 0.43 4.66 0.41 4.51 0.39 11.30 1.13 0.10

46 7.54 0.66 6.10 0.53 5.22 0.46 4.93 0.43 4.79 0.42 11.40 1.15 0.10

47 7.86 0.69 6.41 0.56 5.54 0.48 5.26 0.46 5.11 0.45 11.60 1.18 0.10

48 8.21 0.72 6.76 0.59 5.89 0.52 5.59 0.49 5.45 0.48 11.70 1.20 0.11

49 8.59 0.75 7.13 0.62 6.25 0.55 5.96 0.52 5.82 0.51 11.90 1.23 0.11

50 8.99 0.79 7.52 0.66 6.65 0.58 6.36 0.56 6.20 0.54 12.00 1.25 0.11

51 9.43 0.83 7.96 0.70 7.07 0.62 6.78 0.59 6.64 0.58 12.60 1.35 0.12

52 9.90 0.87 8.41 0.74 7.52 0.66 7.24 0.63 7.08 0.62 13.20 1.45 0.13

53 10.40 0.91 8.92 0.78 8.02 0.70 7.72 0.68 7.57 0.66 13.80 1.55 0.14

54 10.94 0.96 9.44 0.83 8.54 0.75 8.23 0.72 8.09 0.71 14.40 1.65 0.14

55 11.53 1.01 10.01 0.88 9.10 0.80 8.80 0.77 8.64 0.76 15.00 1.75 0.15

56 12.16 1.06 10.62 0.93 9.70 0.85 9.40 0.82 9.24 0.81 1.80 0.16

57 12.84 1.12 11.28 0.99 10.34 0.90 10.03 0.88 9.88 0.86 1.85 0.16

58 13.56 1.19 11.99 1.05 11.04 0.97 10.72 0.94 10.56 0.92 1.90 0.17

59 14.34 1.25 12.73 1.11 11.77 1.03 11.45 1.00 11.29 0.99 1.95 0.17

60 15.18 1.33 13.55 1.19 12.56 1.10 12.23 1.07 12.07 1.06 2.00 0.18

61 15.97 1.40 14.21 1.24 13.15 1.15 12.80 1.12 12.64 1.11

62 16.86 1.48 15.11 1.32 14.06 1.23 13.72 1.20 13.54 1.18

63 17.76 1.55 16.03 1.40 14.99 1.31 14.64 1.28 14.46 1.27

64 18.66 1.63 16.94 1.48 15.91 1.39 15.56 1.36 15.40 1.35

65 19.40 1.70 17.75 1.55 16.75 1.47 16.42 1.44 16.25 1.42

66 20.41 1.79 18.74 1.64 17.74 1.55 17.40 1.52 17.23 1.51

67 21.49 1.88 19.80 1.73 18.78 1.64 18.44 1.61 18.26 1.60

68 22.69 1.99 20.94 1.83 19.90 1.74 19.55 1.71 19.37 1.69

69 24.02 2.10 22.19 1.94 21.10 1.85 20.72 1.81 20.54 1.80

70 25.55 2.24 23.58 2.06 22.42 1.96 22.02 1.93 21.83 1.91

71 27.32 2.39 25.19 2.20 23.90 2.09 23.47 2.05 23.26 2.04

72 29.51 2.58 27.10 2.37 25.66 2.25 25.18 2.20 24.94 2.18

73 32.33 2.83 29.52 2.58 27.84 2.44 27.28 2.39 27.00 2.36

74 36.26 3.17 32.81 2.87 30.73 2.69 30.04 2.63 29.69 2.60

75 42.55 3.72 37.92 3.32 35.15 3.08 34.22 2.99 33.76 2.95





Total Disability

Premium Rate


20 6.78 0.59 5.33 0.47 2.64 0.23 2.39 0.21 2.27 0.20 9.00 1.00 0.09

21 6.78 0.59 5.33 0.47 2.75 0.24 2.50 0.22 2.36 0.21 9.00 1.00 0.09

22 6.78 0.59 5.33 0.47 2.86 0.25 2.60 0.23 2.48 0.22 9.00 1.00 0.09

23 6.78 0.59 5.33 0.47 2.99 0.26 2.74 0.24 2.60 0.23 9.00 1.00 0.09

24 6.78 0.59 5.33 0.47 3.13 0.27 2.88 0.25 2.75 0.24 9.00 1.00 0.09

25 6.78 0.59 5.33 0.47 3.30 0.29 3.04 0.27 2.90 0.25 9.00 1.00 0.09

26 6.78 0.59 5.33 0.47 3.49 0.31 3.20 0.28 3.07 0.27 9.00 1.00 0.09

27 6.78 0.59 5.33 0.47 3.70 0.32 3.38 0.30 3.26 0.29 9.00 1.00 0.09

28 6.78 0.59 5.33 0.47 3.90 0.34 3.58 0.31 3.46 0.30 9.00 1.00 0.09

29 6.78 0.59 5.33 0.47 4.13 0.36 3.78 0.33 3.65 0.32 9.00 1.00 0.09

30 6.78 0.59 5.33 0.47 4.21 0.37 3.94 0.34 3.83 0.34 9.00 1.00 0.09

31 6.78 0.59 5.33 0.47 4.46 0.39 4.18 0.37 4.06 0.36 9.20 1.00 0.09

32 7.06 0.62 5.60 0.49 4.74 0.41 4.45 0.39 4.30 0.38 9.30 1.00 0.09

33 7.34 0.64 5.89 0.52 5.03 0.44 4.73 0.41 4.58 0.40 9.50 1.00 0.09

34 7.66 0.67 6.20 0.54 5.34 0.47 5.04 0.44 4.90 0.43 9.60 1.00 0.09

35 7.99 0.70 6.54 0.57 5.66 0.50 5.38 0.47 5.23 0.46 9.80 1.00 0.09

36 8.35 0.73 6.89 0.60 6.02 0.53 5.74 0.50 5.59 0.49 9.90 1.00 0.09

37 8.72 0.76 7.27 0.64 6.40 0.56 6.11 0.53 5.96 0.52 10.10 1.00 0.09

38 9.13 0.80 7.68 0.67 6.80 0.60 6.52 0.57 6.37 0.56 10.20 1.00 0.09

39 9.56 0.84 8.11 0.71 7.24 0.63 6.94 0.61 6.79 0.59 10.40 1.00 0.09

40 10.02 0.88 8.56 0.75 7.68 0.67 7.39 0.65 7.24 0.63 10.50 1.00 0.09

41 10.49 0.92 9.02 0.79 8.15 0.71 7.86 0.69 7.70 0.67 10.70 1.03 0.09

42 11.00 0.96 9.53 0.83 8.65 0.76 8.35 0.73 8.21 0.72 10.80 1.05 0.09

43 11.53 1.01 10.06 0.88 9.17 0.80 8.88 0.78 8.74 0.76 11.00 1.08 0.09

44 12.10 1.06 10.61 0.93 9.72 0.85 9.43 0.83 9.29 0.81 11.10 1.10 0.10

45 12.68 1.11 11.21 0.98 10.31 0.90 10.02 0.88 9.86 0.86 11.30 1.13 0.10

46 13.30 1.16 11.80 1.03 10.91 0.95 10.61 0.93 10.45 0.91 11.40 1.15 0.10

47 13.97 1.22 12.47 1.09 11.57 1.01 11.27 0.99 11.11 0.97 11.60 1.18 0.10

48 14.69 1.29 13.18 1.15 12.28 1.07 11.96 1.05 11.82 1.03 11.70 1.20 0.11

49 15.44 1.35 13.93 1.22 13.02 1.14 12.71 1.11 12.56 1.10 11.90 1.23 0.11

50 16.25 1.42 14.72 1.29 13.80 1.21 13.50 1.18 13.34 1.17 12.00 1.25 0.11

51 17.11 1.50 15.56 1.36 14.64 1.28 14.34 1.25 14.18 1.24 12.60 1.35 0.12

52 18.01 1.58 16.46 1.44 15.53 1.36 15.22 1.33 15.06 1.32 13.20 1.45 0.13

53 18.98 1.66 17.41 1.52 16.46 1.44 16.15 1.41 16.00 1.40 13.80 1.55 0.14

54 20.00 1.75 18.41 1.61 17.46 1.53 17.14 1.50 16.98 1.49 14.40 1.65 0.14

55 21.08 1.84 19.48 1.70 18.52 1.62 18.19 1.59 18.02 1.58 15.00 1.75 0.15

56 22.24 1.95 20.60 1.80 19.62 1.72 19.30 1.69 19.13 1.67 1.80 0.16

57 23.44 2.05 21.78 1.91 20.78 1.82 20.46 1.79 20.29 1.78 1.85 0.16

58 24.72 2.16 23.04 2.02 22.02 1.93 21.68 1.90 21.52 1.88 1.90 0.17

59 26.08 2.28 24.36 2.13 23.33 2.04 22.98 2.01 22.81 2.00 1.95 0.17

60 27.50 2.41 25.75 2.25 24.70 2.16 24.35 2.13 24.18 2.12 2.00 0.18

61 28.82 2.52 26.94 2.36 25.81 2.26 25.44 2.23 25.25 2.21

62 30.34 2.65 28.45 2.49 27.34 2.39 26.95 2.36 26.77 2.34

63 31.82 2.78 29.96 2.62 28.85 2.52 28.48 2.49 28.28 2.47

64 33.28 2.91 31.43 2.75 30.32 2.65 29.96 2.62 29.77 2.60

65 34.49 3.02 32.70 2.86 31.63 2.77 31.27 2.74 31.09 2.72

66 36.05 3.15 34.25 3.00 33.18 2.90 32.82 2.87 32.64 2.86

67 37.69 3.30 35.87 3.14 34.78 3.04 34.42 3.01 34.22 2.99

68 39.46 3.45 37.58 3.29 36.46 3.19 36.08 3.16 35.89 3.14

69 41.39 3.62 39.43 3.45 38.26 3.35 37.86 3.31 37.67 3.30

70 43.55 3.81 41.46 3.63 40.21 3.52 39.79 3.48 39.59 3.46

71 46.04 4.03 43.78 3.83 42.42 3.71 41.96 3.67 41.74 3.65

72 49.07 4.29 46.54 4.07 45.01 3.94 44.51 3.89 44.24 3.87

73 52.97 4.63 50.02 4.38 48.25 4.22 47.65 4.17 47.36 4.14

74 58.39 5.11 54.78 4.79 52.61 4.60 51.88 4.54 51.52 4.51

75 67.08 5.87 62.27 5.45 59.38 5.20 58.42 5.11 57.94 5.07




ANNUITIES

Sagicor Life Inc Annuities


ANNUITIES DEFERRED ANNUITIES See the Millennium Saver (Section C.1C) under Universal Life. The Millennium Saver is a universal life type deferred annuity product i.e. the interest and expense elements are unbundled. IMMEDIATE ANNUITIES Plan Features Immediate Annuities provide a regular monthly income payable over the remaining lifetime of the Annuitant. In cases where the annuity has been issued with a “Guaranteed Period” the monthly income will continue over the remaining lifetime of the Annuitant or until the guaranteed period has expired, whichever is later. The Policy should have an Issue Date coincident with the date of payment of the premium and the regular monthly income commences on the first day of the month following the Issue Date. Annuity quotations for joint life annuities, incomes payable other than monthly and fixed term annuities should be referred to the Actuarial Department. Age and Evidence of Survivorship No income payments will be made until satisfactory evidence of age is received. It is strongly recommended that evidence be submitted with the application. It is also necessary for the annuitant to provide Evidence of Survivorship at regular intervals over the term of the annuity. Premiums and Policy Fee The premiums shown on the rate pages are Basic Single Premiums to purchase $10.00 of monthly income. The rates are shown for integral ages only, and interpolation is necessary to determine the age in completed years and months. The Single Premium for a policy is the Basic Single Premium for the amount of income to be provided plus the policy fee. The policy fee in all territories is $200.00 in local currency. Minimum Annuity Amount The minimum annuity amount that can be purchased is $60.00 per month.

Sagicor Life Inc Annuities


Commissions The Single Premium is subject to a commission rate of 3%. Sample Annuity Calculation Information required

Example

Territory Barbados Sex Male Date of Birth January 20, 1938 Annuity guarantee period (certain period) 5 years Frequency of payment Monthly Single Premium $75,200 Policy Fee $200 Purchase Date June 1, 2003

Age in completed years and months: 65 years, 4 months (Y=65, M=4) Annuity rate for a male aged 65 (5 years certain and life thereafter) =AnnRate1 =1,483.63 (from table on page C22.3) Annuity rate for a male aged 66 (5 years certain and life thereafter) = AnnRate2 =1,443.82 (from table on page C22.3) Annuity rate for a male aged 65 years, 4 months (5 years certain and life thereafter) = AnnRate3 AnnRate3 = AnnRate1 + (M/12) x (AnnRate2-AnnRate1)

= 1,483.63 + (4/12) x (1,443.82-1,483.63) = 1,470.36

Basic Single Premium = BSP BSP = Single Premium – Policy Fee

= 75,200 – 200 = 75,000

Monthly Income = (BSP ÷ AnnRate3) x 10 = (75,000 ÷ 1,470.36) x 10 = 510.08 commencing July 1, 2003

Sagicor Life Inc

BARBADOS INDIVIDUAL IMMEDIATE ANNUITES - MALES

BASIC SINGLE PREMIUM COST OF $10.00 OF MONTHLY ANNUITY

Age Life only

5 Years Certain and

Life Thereafter

10 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter Age Life only

5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter


Life Thereafter

20 2,843.99 2,844.58 2,846.39 2,849.27 2,853.12

21 2,827.08 2,827.69 2,829.58 2,832.58 2,836.61 56 1,846.76 1,855.56 1,881.03 1,925.37 1,992.5522 2,809.66 2,810.30 2,812.28 2,815.40 2,819.63 57 1,807.69 1,817.09 1,844.52 1,892.70 1,965.6823 2,791.72 2,792.40 2,794.46 2,797.71 2,802.17 58 1,767.87 1,777.92 1,807.58 1,860.03 1,939.3024 2,773.26 2,773.97 2,776.12 2,779.50 2,784.23 59 1,727.26 1,738.05 1,770.25 1,827.44 1,913.5225 2,754.26 2,755.01 2,757.24 2,760.78 2,765.81 60 1,685.86 1,697.51 1,732.60 1,795.05 1,888.46

26 2,734.71 2,735.49 2,737.81 2,741.51 2,746.90 61 1,643.70 1,656.36 1,694.73 1,762.96 1,864.2427 2,714.58 2,715.40 2,717.81 2,721.70 2,727.51 62 1,600.86 1,614.68 1,656.76 1,731.30 1,840.9728 2,693.86 2,694.71 2,697.22 2,701.33 2,707.62 63 1,557.42 1,572.58 1,618.81 1,700.21 1,818.7729 2,672.52 2,673.41 2,676.02 2,680.40 2,687.25 64 1,513.50 1,530.19 1,581.01 1,669.83 1,797.7630 2,650.54 2,651.47 2,654.20 2,658.89 2,666.39 65 1,469.21 1,487.63 1,543.50 1,640.29 1,778.02

31 2,627.91 2,628.87 2,631.75 2,636.81 2,645.04 66 1,424.67 1,445.03 1,506.42 1,611.74 1,759.6432 2,604.60 2,605.60 2,608.64 2,614.15 2,623.20 67 1,380.00 1,402.50 1,469.89 1,584.29 1,742.6633 2,580.58 2,581.63 2,584.88 2,590.91 2,600.87 68 1,335.29 1,360.16 1,434.03 1,558.08 1,727.1234 2,555.84 2,556.94 2,560.44 2,567.09 2,578.06 69 1,290.64 1,318.11 1,398.97 1,533.20 1,713.0235 2,530.35 2,531.53 2,535.34 2,542.69 2,554.77 70 1,246.16 1,276.46 1,364.84 1,509.75 1,700.34

36 2,504.11 2,505.38 2,509.57 2,517.72 2,531.02 71 1,201.91 1,235.2937 2,477.13 2,478.51 2,483.14 2,492.20 2,506.80 72 1,157.96 1,194.6838 2,449.39 2,450.91 2,456.08 2,466.13 2,482.13 73 1,114.38 1,154.7339 2,420.92 2,422.61 2,428.39 2,439.55 2,457.03 74 1,071.20 1,115.5140 2,391.74 2,393.63 2,400.11 2,412.46 2,431.52 75 1,028.50 1,077.13

41 2,361.87 2,364.01 2,371.26 2,384.89 2,405.61 76 986.36 1,039.7142 2,331.34 2,333.76 2,341.86 2,356.85 2,379.32 77 944.86 1,003.3543 2,300.19 2,302.92 2,311.95 2,328.37 2,352.68 78 904.12 968.1944 2,268.47 2,271.55 2,281.56 2,299.47 2,325.73 79 864.24 934.3545 2,236.19 2,239.65 2,250.71 2,270.17 2,298.50 80 825.33 901.95

46 2,203.40 2,207.27 2,219.42 2,240.48 2,271.02 81 787.50 871.0947 2,170.11 2,174.41 2,187.68 2,210.40 2,243.32 82 750.86 841.8548 2,136.32 2,141.07 2,155.50 2,179.96 2,215.46 83 715.51 814.2849 2,102.04 2,107.26 2,122.87 2,149.16 2,187.46 84 681.55 788.3950 2,067.27 2,072.96 2,089.79 2,118.01 2,159.39 85 649.03 764.18

51 2,031.98 2,038.16 2,056.24 2,086.54 2,131.29 86 617.94 741.5652 1,996.16 2,002.83 2,022.20 2,054.77 2,103.22 87 588.23 720.4753 1,959.76 1,966.94 1,987.66 2,022.73 2,075.24 88 559.79 700.7954 1,922.75 1,930.46 1,952.62 1,990.45 2,047.42 89 532.50 682.4455 1,885.10 1,893.34 1,917.07 1,957.98 2,019.83 90 506.22 665.34


Sagicor Life Inc

BARBADOS INDIVIDUAL IMMEDIATE ANNUITES - FEMALES


Age Life only

5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter



5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter


Life Thereafter

20 2,936.31 2,936.58 2,937.55 2,939.16 2,941.36

21 2,921.72 2,922.01 2,923.04 2,924.73 2,927.04 56 2,037.16 2,041.58 2,055.28 2,080.29 2,119.2222 2,906.70 2,907.01 2,908.10 2,909.88 2,912.31 57 1,998.93 2,003.75 2,018.78 2,046.19 2,088.8923 2,891.24 2,891.57 2,892.72 2,894.58 2,897.15 58 1,959.89 1,965.17 1,981.68 2,011.71 2,058.6124 2,875.32 2,875.68 2,876.88 2,878.84 2,881.55 59 1,920.03 1,925.83 1,943.99 1,976.91 2,028.4725 2,858.94 2,859.32 2,860.58 2,862.63 2,865.50 60 1,879.38 1,885.76 1,905.73 1,941.85 1,998.59

26 2,842.07 2,842.47 2,843.80 2,845.95 2,848.98 61 1,837.95 1,844.99 1,866.96 1,906.62 1,969.1127 2,824.70 2,825.12 2,826.51 2,828.77 2,832.00 62 1,795.78 1,803.56 1,827.72 1,871.32 1,940.1528 2,806.81 2,807.26 2,808.71 2,811.09 2,814.53 63 1,752.92 1,761.53 1,788.06 1,836.06 1,911.8829 2,788.38 2,788.86 2,790.38 2,792.89 2,796.57 64 1,709.43 1,718.94 1,748.06 1,800.96 1,884.4330 2,769.40 2,769.90 2,771.49 2,774.16 2,778.11 65 1,665.34 1,675.82 1,707.80 1,766.16 1,857.97

31 2,749.84 2,750.37 2,752.04 2,754.88 2,759.13 66 1,620.68 1,632.19 1,667.35 1,731.78 1,832.6532 2,729.70 2,730.25 2,732.01 2,735.04 2,739.63 67 1,575.43 1,588.05 1,626.78 1,697.96 1,808.6133 2,708.93 2,709.52 2,711.38 2,714.63 2,719.61 68 1,529.58 1,543.42 1,586.18 1,664.84 1,785.9934 2,687.54 2,688.16 2,690.14 2,693.63 2,699.05 69 1,483.08 1,498.30 1,545.65 1,632.59 1,764.9135 2,665.50 2,666.15 2,668.27 2,672.05 2,677.95 70 1,435.95 1,452.76 1,505.31 1,601.38 1,745.50

36 2,642.80 2,643.49 2,645.77 2,649.86 2,656.30 71 1,388.23 1,406.8937 2,619.42 2,620.17 2,622.62 2,627.08 2,634.11 72 1,340.03 1,360.8338 2,595.35 2,596.16 2,598.82 2,603.68 2,611.37 73 1,291.48 1,314.7539 2,570.58 2,571.46 2,574.35 2,579.68 2,588.08 74 1,242.74 1,268.8240 2,545.11 2,546.07 2,549.22 2,555.05 2,564.25 75 1,193.97 1,223.23

41 2,518.93 2,519.97 2,523.42 2,529.82 2,539.86 76 1,145.32 1,178.1542 2,492.02 2,493.16 2,496.94 2,503.96 2,514.94 77 1,096.93 1,133.7543 2,464.37 2,465.63 2,469.79 2,477.48 2,489.49 78 1,048.93 1,090.1944 2,435.99 2,437.38 2,441.95 2,450.39 2,463.52 79 1,001.43 1,047.6545 2,406.86 2,408.39 2,413.43 2,422.67 2,437.04 80 954.57 1,006.29

46 2,376.98 2,378.68 2,384.23 2,394.35 2,410.07 81 908.47 966.3047 2,346.35 2,348.24 2,354.34 2,365.41 2,382.64 82 863.29 927.8648 2,314.98 2,317.07 2,323.78 2,335.89 2,354.76 83 819.18 891.1549 2,282.88 2,285.19 2,292.55 2,305.79 2,326.47 84 776.29 856.3450 2,250.04 2,252.60 2,260.64 2,275.12 2,297.77 85 734.77 823.61

51 2,216.46 2,219.28 2,228.08 2,243.92 2,268.71 86 694.77 793.0752 2,182.14 2,185.23 2,194.84 2,212.18 2,239.31 87 656.45 764.8453 2,147.07 2,150.45 2,160.93 2,179.93 2,209.61 88 619.99 738.9554 2,111.22 2,114.92 2,126.37 2,147.19 2,179.66 89 585.54 715.4155 2,074.59 2,078.63 2,091.14 2,113.96 2,149.51 90 553.19 694.14


Sagicor Life Inc

OECS INDIVIDUAL IMMEDIATE ANNUITES - MALES


Age Life only

5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter



5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter


Life Thereafter

20 2,582.91 2,583.47 2,585.20 2,587.90 2,591.43

21 2,569.83 2,570.41 2,572.22 2,575.03 2,578.72 56 1,745.57 1,754.21 1,778.74 1,820.44 1,882.1422 2,556.30 2,556.91 2,558.80 2,561.72 2,565.60 57 1,710.87 1,720.09 1,746.51 1,791.82 1,858.8423 2,542.31 2,542.95 2,544.92 2,547.97 2,552.05 58 1,675.36 1,685.23 1,713.78 1,763.11 1,835.9224 2,527.84 2,528.52 2,530.57 2,533.75 2,538.08 59 1,639.01 1,649.62 1,680.61 1,734.41 1,813.4725 2,512.89 2,513.61 2,515.74 2,519.06 2,523.67 60 1,601.83 1,613.28 1,647.06 1,705.80 1,791.60

26 2,497.44 2,498.19 2,500.41 2,503.89 2,508.83 61 1,563.83 1,576.26 1,613.21 1,677.38 1,770.4127 2,481.47 2,482.25 2,484.56 2,488.22 2,493.54 62 1,525.07 1,538.64 1,579.16 1,649.28 1,750.0128 2,464.95 2,465.77 2,468.17 2,472.04 2,477.81 63 1,485.64 1,500.53 1,545.04 1,621.62 1,730.5229 2,447.88 2,448.73 2,451.23 2,455.34 2,461.63 64 1,445.63 1,462.03 1,510.97 1,594.52 1,712.0430 2,430.21 2,431.10 2,433.72 2,438.13 2,445.00 65 1,405.17 1,423.27 1,477.08 1,568.13 1,694.65

31 2,411.94 2,412.86 2,415.62 2,420.37 2,427.92 66 1,364.35 1,384.35 1,443.48 1,542.56 1,678.4332 2,393.03 2,394.00 2,396.91 2,402.09 2,410.38 67 1,323.28 1,345.40 1,410.29 1,517.93 1,663.4233 2,373.47 2,374.48 2,377.59 2,383.26 2,392.40 68 1,282.06 1,306.51 1,377.65 1,494.36 1,649.6734 2,353.22 2,354.29 2,357.65 2,363.89 2,373.95 69 1,240.78 1,267.78 1,345.66 1,471.95 1,637.1735 2,332.27 2,333.41 2,337.07 2,343.97 2,355.06 70 1,199.53 1,229.32 1,314.45 1,450.80 1,625.91

36 2,310.61 2,311.84 2,315.86 2,323.52 2,335.72 71 1,158.39 1,191.2137 2,288.24 2,289.58 2,294.03 2,302.54 2,315.94 72 1,117.42 1,153.5338 2,265.15 2,266.62 2,271.59 2,281.04 2,295.72 73 1,076.69 1,116.3739 2,241.35 2,242.99 2,248.54 2,259.03 2,275.08 74 1,036.23 1,079.8140 2,216.86 2,218.70 2,224.92 2,236.53 2,254.03 75 996.12 1,043.95

41 2,191.70 2,193.78 2,200.74 2,213.56 2,232.58 76 956.42 1,008.8942 2,165.88 2,168.24 2,176.03 2,190.12 2,210.75 77 917.24 974.7743 2,139.45 2,142.12 2,150.80 2,166.23 2,188.56 78 878.68 941.7144 2,112.44 2,115.45 2,125.08 2,141.92 2,166.03 79 840.86 909.8345 2,084.87 2,088.25 2,098.89 2,117.19 2,143.20 80 803.87 879.25

46 2,056.76 2,060.55 2,072.23 2,092.04 2,120.09 81 767.84 850.0847 2,028.14 2,032.35 2,045.12 2,066.49 2,096.72 82 732.86 822.3948 1,999.00 2,003.66 2,017.54 2,040.54 2,073.14 83 699.06 796.2449 1,969.35 1,974.46 1,989.49 2,014.21 2,049.39 84 666.53 771.6650 1,939.17 1,944.75 1,960.95 1,987.49 2,025.49 85 635.32 748.63

51 1,908.45 1,914.51 1,931.91 1,960.41 2,001.51 86 605.44 727.1052 1,877.16 1,883.71 1,902.36 1,932.99 1,977.49 87 576.84 706.9953 1,845.27 1,852.32 1,872.27 1,905.24 1,953.47 88 549.43 688.2154 1,812.74 1,820.30 1,841.63 1,877.21 1,929.53 89 523.08 670.6755 1,779.52 1,787.60 1,810.46 1,848.93 1,905.73 90 497.68 654.31


Sagicor Life Inc

OECS INDIVIDUAL IMMEDIATE ANNUITES - FEMALES


Age Life only

5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter



5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter


Life Thereafter

20 2,655.01 2,655.24 2,656.16 2,657.67 2,659.68

21 2,644.01 2,644.27 2,645.24 2,646.83 2,648.94 56 1,915.31 1,919.63 1,932.82 1,956.33 1,992.0922 2,632.64 2,632.92 2,633.95 2,635.62 2,637.84 57 1,881.86 1,886.59 1,901.05 1,926.82 1,966.0323 2,620.88 2,621.19 2,622.28 2,624.02 2,626.37 58 1,847.58 1,852.75 1,868.64 1,896.88 1,939.9424 2,608.73 2,609.06 2,610.21 2,612.04 2,614.52 59 1,812.44 1,818.12 1,835.60 1,866.56 1,913.9025 2,596.17 2,596.52 2,597.73 2,599.65 2,602.27 60 1,776.47 1,782.72 1,801.95 1,835.91 1,888.02

26 2,583.18 2,583.56 2,584.82 2,586.84 2,589.62 61 1,739.67 1,746.58 1,767.73 1,805.03 1,862.4127 2,569.75 2,570.15 2,571.47 2,573.59 2,576.55 62 1,702.09 1,709.73 1,732.98 1,773.98 1,837.1928 2,555.86 2,556.28 2,557.67 2,559.90 2,563.05 63 1,663.75 1,672.20 1,697.74 1,742.88 1,812.5129 2,541.49 2,541.94 2,543.39 2,545.74 2,549.11 64 1,624.71 1,634.05 1,662.09 1,711.84 1,788.4930 2,526.62 2,527.09 2,528.61 2,531.11 2,534.73 65 1,585.00 1,595.29 1,626.08 1,680.97 1,765.29

31 2,511.23 2,511.73 2,513.33 2,515.99 2,519.88 66 1,544.64 1,555.94 1,589.79 1,650.39 1,743.0332 2,495.31 2,495.83 2,497.52 2,500.36 2,504.57 67 1,503.60 1,516.00 1,553.29 1,620.23 1,721.8533 2,478.83 2,479.38 2,481.16 2,484.21 2,488.77 68 1,461.87 1,475.47 1,516.64 1,590.63 1,701.8934 2,461.77 2,462.35 2,464.25 2,467.53 2,472.49 69 1,419.41 1,434.37 1,479.95 1,561.73 1,683.2635 2,444.12 2,444.74 2,446.77 2,450.31 2,455.72 70 1,376.21 1,392.73 1,443.33 1,533.70 1,666.07

36 2,425.85 2,426.52 2,428.70 2,432.54 2,438.44 71 1,332.33 1,350.6637 2,406.96 2,407.68 2,410.03 2,414.21 2,420.66 72 1,287.85 1,308.2938 2,387.43 2,388.21 2,390.75 2,395.32 2,402.37 73 1,242.90 1,265.7639 2,367.25 2,368.09 2,370.86 2,375.86 2,383.57 74 1,197.63 1,223.2640 2,346.40 2,347.32 2,350.34 2,355.82 2,364.25 75 1,152.18 1,180.95

41 2,324.87 2,325.88 2,329.19 2,335.19 2,344.41 76 1,106.72 1,138.9942 2,302.66 2,303.77 2,307.39 2,313.99 2,324.07 77 1,061.36 1,097.5643 2,279.75 2,280.96 2,284.95 2,292.18 2,303.21 78 1,016.24 1,056.8244 2,256.13 2,257.47 2,261.86 2,269.79 2,281.84 79 971.47 1,016.9245 2,231.78 2,233.27 2,238.11 2,246.80 2,259.98 80 927.17 978.04

46 2,206.72 2,208.36 2,213.70 2,223.21 2,237.64 81 883.49 940.3747 2,180.92 2,182.75 2,188.62 2,199.02 2,214.83 82 840.57 904.0748 2,154.39 2,156.43 2,162.87 2,174.25 2,191.58 83 798.55 869.3549 2,127.14 2,129.39 2,136.46 2,148.91 2,167.89 84 757.61 836.3650 2,099.16 2,101.65 2,109.39 2,123.00 2,143.80 85 717.88 805.28

51 2,070.44 2,073.19 2,081.65 2,096.54 2,119.31 86 679.52 776.2452 2,040.97 2,044.00 2,053.23 2,069.54 2,094.45 87 642.71 749.3553 2,010.75 2,014.06 2,024.14 2,042.00 2,069.25 88 607.60 724.6754 1,979.74 1,983.36 1,994.37 2,013.95 2,043.76 89 574.38 702.1955 1,947.93 1,951.89 1,963.93 1,985.38 2,018.02 90 543.14 681.86


Sagicor Life Inc

TRINIDAD AND TOBAGO INDIVIDUAL IMMEDIATE ANNUITES - MALES


Age Life only

5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter



5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter


Life Thereafter

20 1,949.07 1,949.52 1,950.99 1,953.11 1,955.71

21 1,943.05 1,943.53 1,945.06 1,947.28 1,950.00 56 1,458.40 1,466.53 1,488.05 1,521.40 1,567.1122 1,936.76 1,937.26 1,938.86 1,941.17 1,944.02 57 1,434.73 1,443.42 1,466.59 1,502.83 1,552.4923 1,930.17 1,930.70 1,932.37 1,934.78 1,937.79 58 1,410.25 1,419.55 1,444.61 1,484.07 1,538.0124 1,923.27 1,923.84 1,925.58 1,928.09 1,931.28 59 1,384.92 1,394.92 1,422.13 1,465.16 1,523.7425 1,916.06 1,916.66 1,918.48 1,921.10 1,924.50 60 1,358.73 1,369.53 1,399.18 1,446.17 1,509.76

26 1,908.51 1,909.14 1,911.04 1,913.79 1,917.43 61 1,331.66 1,343.40 1,375.83 1,427.18 1,496.1227 1,900.62 1,901.28 1,903.26 1,906.15 1,910.07 62 1,303.76 1,316.58 1,352.16 1,408.27 1,482.9328 1,892.36 1,893.05 1,895.11 1,898.17 1,902.42 63 1,275.08 1,289.15 1,328.24 1,389.53 1,470.2529 1,883.71 1,884.44 1,886.58 1,889.84 1,894.47 64 1,245.69 1,261.19 1,304.17 1,371.05 1,458.1730 1,874.64 1,875.41 1,877.65 1,881.14 1,886.21 65 1,215.67 1,232.78 1,280.05 1,352.94 1,446.75

31 1,865.15 1,865.95 1,868.31 1,872.08 1,877.65 66 1,185.09 1,204.02 1,255.97 1,335.29 1,436.0432 1,855.20 1,856.04 1,858.54 1,862.65 1,868.77 67 1,154.05 1,174.98 1,232.01 1,318.20 1,426.1033 1,844.77 1,845.65 1,848.33 1,852.82 1,859.57 68 1,122.61 1,145.76 1,208.29 1,301.75 1,416.9534 1,833.83 1,834.76 1,837.66 1,842.61 1,850.05 69 1,090.85 1,116.43 1,184.89 1,286.04 1,408.6035 1,822.37 1,823.37 1,826.52 1,832.01 1,840.20 70 1,058.83 1,087.07 1,161.91 1,271.13 1,401.06

36 1,810.36 1,811.45 1,814.92 1,821.01 1,830.03 71 1,026.63 1,057.7437 1,797.80 1,798.99 1,802.84 1,809.61 1,819.52 72 994.29 1,028.5338 1,784.68 1,786.00 1,790.30 1,797.82 1,808.68 73 961.87 999.5039 1,770.99 1,772.47 1,777.29 1,785.64 1,797.52 74 929.39 970.7340 1,756.74 1,758.41 1,763.82 1,773.07 1,786.02 75 896.92 942.30

41 1,741.94 1,743.84 1,749.90 1,760.12 1,774.20 76 864.53 914.3342 1,726.60 1,728.76 1,735.55 1,746.79 1,762.06 77 832.29 886.9043 1,710.73 1,713.18 1,720.76 1,733.08 1,749.61 78 800.32 860.1644 1,694.36 1,697.14 1,705.55 1,719.00 1,736.85 79 768.71 834.2145 1,677.50 1,680.64 1,689.93 1,704.55 1,723.81 80 737.57 809.17

46 1,660.16 1,663.68 1,673.90 1,689.73 1,710.49 81 707.01 785.1447 1,642.35 1,646.27 1,657.45 1,674.53 1,696.92 82 677.15 762.2248 1,624.07 1,628.41 1,640.56 1,658.96 1,683.10 83 648.11 740.4649 1,605.30 1,610.08 1,623.24 1,643.00 1,669.06 84 619.98 719.9250 1,586.04 1,591.27 1,605.46 1,626.68 1,654.83 85 592.84 700.58

51 1,566.26 1,571.95 1,587.19 1,609.99 1,640.43 86 566.72 682.4152 1,545.94 1,552.09 1,568.43 1,592.93 1,625.89 87 541.59 665.3753 1,525.04 1,531.66 1,549.15 1,575.52 1,611.25 88 517.38 649.3954 1,503.51 1,510.61 1,529.33 1,557.78 1,596.54 89 493.98 634.4055 1,481.31 1,488.91 1,508.96 1,539.73 1,581.81 90 471.30 620.36


Sagicor Life Inc

TRINIDAD AND TOBAGO INDIVIDUAL IMMEDIATE ANNUITES - FEMALES


Age Life only

5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter



5 Years Certain and

Life Thereafter


Life Thereafter


Life Thereafter


Life Thereafter

20 1,983.34 1,983.49 1,984.24 1,985.41 1,986.88

21 1,978.66 1,978.83 1,979.63 1,980.86 1,982.41 56 1,575.50 1,579.53 1,591.06 1,609.85 1,636.3222 1,973.76 1,973.95 1,974.80 1,976.10 1,977.73 57 1,553.71 1,558.12 1,570.78 1,591.37 1,620.4023 1,968.64 1,968.85 1,969.75 1,971.11 1,972.83 58 1,531.13 1,535.96 1,549.88 1,572.45 1,604.3324 1,963.28 1,963.51 1,964.46 1,965.89 1,967.71 59 1,507.73 1,513.05 1,528.36 1,553.10 1,588.1625 1,957.67 1,957.93 1,958.93 1,960.43 1,962.36 60 1,483.52 1,489.38 1,506.23 1,533.38 1,571.97

26 1,951.81 1,952.09 1,953.14 1,954.72 1,956.76 61 1,458.48 1,464.96 1,483.50 1,513.32 1,555.8127 1,945.67 1,945.97 1,947.08 1,948.74 1,950.91 62 1,432.63 1,439.81 1,460.19 1,492.98 1,539.8028 1,939.25 1,939.57 1,940.73 1,942.48 1,944.79 63 1,405.99 1,413.94 1,436.34 1,472.44 1,524.0129 1,932.51 1,932.86 1,934.08 1,935.93 1,938.40 64 1,378.58 1,387.38 1,411.98 1,451.76 1,508.5430 1,925.46 1,925.83 1,927.11 1,929.07 1,931.73 65 1,350.43 1,360.13 1,387.14 1,431.04 1,493.50

31 1,918.07 1,918.46 1,919.81 1,921.90 1,924.77 66 1,321.52 1,332.18 1,361.89 1,410.35 1,478.9832 1,910.32 1,910.74 1,912.16 1,914.40 1,917.50 67 1,291.83 1,303.53 1,336.25 1,389.80 1,465.1033 1,902.20 1,902.65 1,904.16 1,906.55 1,909.92 68 1,261.32 1,274.16 1,310.30 1,369.49 1,451.9334 1,893.68 1,894.16 1,895.77 1,898.36 1,902.01 69 1,229.94 1,244.07 1,284.09 1,349.52 1,439.5935 1,884.76 1,885.27 1,886.99 1,889.79 1,893.78 70 1,197.67 1,213.28 1,257.71 1,330.02 1,428.14

36 1,875.40 1,875.95 1,877.81 1,880.85 1,885.20 71 1,164.53 1,181.8737 1,865.60 1,866.20 1,868.21 1,871.52 1,876.28 72 1,130.58 1,149.9238 1,855.34 1,856.00 1,858.18 1,861.79 1,867.00 73 1,095.91 1,117.5539 1,844.60 1,845.32 1,847.70 1,851.66 1,857.35 74 1,060.63 1,084.9140 1,833.38 1,834.17 1,836.77 1,841.11 1,847.34 75 1,024.87 1,052.12

41 1,821.64 1,822.52 1,825.37 1,830.14 1,836.95 76 988.74 1,019.3342 1,809.39 1,810.36 1,813.49 1,818.73 1,826.18 77 952.36 986.6743 1,796.60 1,797.67 1,801.12 1,806.87 1,815.02 78 915.82 954.2944 1,783.25 1,784.45 1,788.25 1,794.56 1,803.47 79 879.23 922.3345 1,769.34 1,770.68 1,774.87 1,781.79 1,791.54 80 842.69 890.95

46 1,754.85 1,756.34 1,760.97 1,768.54 1,779.22 81 806.33 860.3047 1,739.77 1,741.43 1,746.53 1,754.82 1,766.52 82 770.28 830.5748 1,724.09 1,725.94 1,731.55 1,740.63 1,753.44 83 734.70 801.9249 1,707.80 1,709.87 1,716.03 1,725.95 1,740.00 84 699.74 774.5350 1,690.90 1,693.19 1,699.94 1,710.80 1,726.18 85 665.54 748.56

51 1,673.37 1,675.90 1,683.28 1,695.17 1,712.01 86 632.28 724.1752 1,655.19 1,657.98 1,666.04 1,679.06 1,697.50 87 600.12 701.4653 1,636.34 1,639.40 1,648.21 1,662.47 1,682.64 88 569.25 680.5254 1,616.79 1,620.15 1,629.77 1,645.40 1,667.48 89 539.85 661.3855 1,596.52 1,600.20 1,610.72 1,627.86 1,652.02 90 512.05 643.99


ADDITIONAL BENEFITS

Sagicor Life Inc Accidental Death and Dismemberment

September 1, 2003 Page C.7A.1

ACCIDENTAL DEATH AND DISMEMBERMENT RIDER BENEFITS This rider pays a benefit to the Life Insured if bodily injury occurs as a result of external violent and accidental means. The benefit depends on the loss sustained by the Life Insured, and is detailed in the table below:

Loss Benefit Payable Death 100% of rider Face Amount Physical severance of two limbs 100% of rider Face Amount Physical severance of one limb together with the total and irrecoverable loss of all sight in one eye

100% of rider Face Amount

Total and irrecoverable loss of all sight in both eyes

100% of rider Face Amount

Physical severance of one limb 50% of rider Face Amount Total and irrecoverable loss of all sight in one eye 50% of rider Face Amount Permanent and total disablement which prevents the Life Insured from attending to business or any occupation, and which is not included in any of the above losses

A monthly income calculated by dividing 100% of the rider Face Amount by 60. This income commences at the date of permanent disability and continues as long as the Life Insured is classified as permanently disabled, subject to a maximum of 60 payments.

The above benefits are payable subject to the following conditions:

a) The policy and rider must be in force at the time of the loss,

b) The loss must be sustained not more than 90 days after the bodily injury occurs,

c) No more than one of the losses suffered may give rise to a claim. Once a claim has been paid, no benefit may be paid in respect of a subsequent loss arising from the same or any subsequent event.

d) The term “physical severance” refers to physical severance at or above the wrist or ankle as

applicable.

Sagicor Life Inc Accidental Death and Dismemberment

September 1, 2003 Page C.7A.2

Exceptions: Benefits are not payable under the following circumstances:

a) Suicide, self-inflicted injuries or any attempt at either (whether sane or insane), b) Any violation of law by the Life Insured,

c) Police duty or service in any military, naval or air-force organisation, whether war be declared or

not,

d) Riot, war, invasion, acts of foreign hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military usurpation of power, or any associated act,

e) Participation in any submarine expedition, or air travel other than as a ticket-holding passenger

in any aeroplane operated by a commercial airline,

f) The inhalation of gas of any kind resulting in poisoning, asphyxiation or any other form of death

g) Bodily or mental infirmity or disease of any kind,

h) Poisoning or infection other than that occurring simultaneously with and in consequence of an accidental cut or wound,

i) Injuries of which there is no visible contusion or wound on the exterior of the body, with the

exception of drowning or internal injuries revealed by autopsy,

j) Injuries arising whilst driving or riding in any race, or practising for a race,

k) An accident that occurs while the blood alcohol level of the Life Insured is 80mg or more per 100 ml of blood.

Term Coverage will terminate on the earliest of the maturity/expiry date of the base policy and the policy anniversary nearest age 65. Premiums are payable for the duration of the cover. Issue Ages The rider is available from issue ages 15 to 60. Premiums Premium rates are given along with the basic premium rate for each plan where the rider is available. Commissions 80% commission is paid in the first year only. No further commissions are paid.

Sagicor Life Inc Total Disability Waiver of Premium

September 1, 2003 Page C.7B.1

TOTAL DISABILITY WAIVER OF PREMIUM (WP) RIDER BENEFITS The company will waive the payment of the minimum premium while the Life Insured is totally disabled. The Life Insured must be totally disabled for six consecutive months to qualify for this benefit. Total disability must commence:

a) on or after the policy date of this benefit; and b) while the benefit is in force; and c) before the policy anniversary nearest the Life Insured's 60th birthday.

Definition: Total disability and totally disabled mean, due directly to injury or sickness, the Life Insured is completely unable to perform the duties of any occupation whatsoever or from performing any work for remuneration or profit. Being a homemaker or a student is considered engaging in work or occupation for remuneration. Notice Of Claim: Written notice of claim must be received by the company:

a) while the benefit and policy are in force; and b) during the lifetime of the Life Insured; and d) during the continuance of total disability; and c) within one year after the beginning of disability.

If notice and proof are not given within one year, the claim will be allowed if it can be shown that notice and proof were given as soon as reasonably possible. However, no payment due because of total disability more than one year prior to proof of claim will be made. Payment of premiums must continue pending approval of the claim by the Insurer. Proof Of Total Disability: The Company must receive proof of total disability before any premiums will be waived and may also require proof of the continuance of such disability. The Company may therefore require that the Life Insured be examined from time to time, by a physician designated by the Company. The Company will notify the Life Insured of this requirement in writing and pay for any examination. Commencement Of Benefit: The Company will waive the premium covered by the benefit beginning with the first premium due after the date total disability begins. If any such premium has been paid, the company will refund it to the Life Insured, without interest. No premium which became due more than one year prior to the time the company received written notice of total disability will be waived or refunded. If total disability begins during the grace period of a premium in default, the company will not waive the payment of that premium. The premium will be waived in accordance with the mode of payment in effect at the time such total disability commenced. Notice of Prior Disability: If the Life Insured recovers from a total disability which has continued for six consecutive months and again becomes totally disabled (1) within 30 days of recovery and (2) if disabled from the same or related cause, then total disability should be considered to have continued during the period between recovery and recurrence.

Sagicor Life Inc Total Disability Waiver of Premium

September 1, 2003 Page C.7B.2

Continuance Of Benefits At Age 65: If the Life Insured is totally disabled at the policy anniversary nearest his or her 65th birthday, the company will waive the minimum premium due while the Life Insured remains continuously totally disabled (i.e., WP continues beyond age 65 provided that the Life Insured is disabled before age 65). Discontinuance Of Benefits: Premium payments must commence with the policy month following the earliest of: a) termination of total disability; or b) failure of the Life Insured to attend a medical exam when the company requests it; or c) failure to furnish proof that the Life Insured is totally disabled when requested by the company. The company will advise the Life Insured in writing of the premium due date. Exceptions: No payments will be made if total disability results directly or indirectly from: a) intentionally self-inflicted injuries, or b) an act of war, declared or undeclared, while the Life Insured is in the armed forces of any country. Premiums Premium rates are given along with the basic premium rate for each plan where the rider is available. Term Coverage will terminate on the earliest of the policy anniversary nearest the Life Insured's 60th birthday and the termination date of the policy. Coverage will also terminate if the Life Insured engages in military, naval or air force service in time of war. Change in Coverage The Total Disability Premium will be increased or decreased if the premium on the base policy is increased or decreased. Issue Ages The rider is available from issue ages 15 to 55. Commissions The rider premium will attract a commission rate of 80% in the first year only.

Sagicor Life Inc Payor’s Waiver

September 1, 2003 Page C.7C.1

PAYOR’S DEATH AND DISABILITY PREMIUM WAIVER BENEFITS ON DEATH OF PAYOR The Company will waive the payment of the premium covered following the Payor’s death, provided that death of the Payor occurs while the policy and benefit are still in force and before the policy anniversary nearest the Payor's 60th birthday. BENEFITS ON DISABILITY OF PAYOR The Company will waive the payment of the covered premium while the Payor is totally disabled. The Payor must be totally disabled for six consecutive months to qualify for this benefit. Total disability must commence:

a) on or after the policy date of the benefit; and b) while this benefit is in force; and a) before the policy anniversary nearest the Payor's 60th birthday.

Definition of Disability: Total disability and totally disabled mean, due directly to injury or sickness, the Payor is completely unable to perform the duties of any occupation whatsoever or from performing any work for remuneration or profit. Being a homemaker or a student is considered engaging in work or occupation for remuneration.

Notice Of Claim: Written notice of claim must be received by the company:

a) while the benefit and policy are in force; and b) during the lifetime of the Payor; and a) during the continuance of total disability; and c) within one year after the beginning of disability.

If notice and proof are not given within one year, the claim will be allowed if it can be shown that notice and proof were given as soon as reasonably possible. However, no payment due because of total disability more than one year prior to proof of claim will be made. Payment of premiums must continue pending approval of the claim by the Insurer. Proof Of Total Disability: The Company must receive proof of total disability before any premiums will be waived and may also require proof of the continuance of such disability. The Company may therefore require that the Payor be examined from time to time, by a physician designated by the Company. The Company will notify the Payor of this requirement in writing and pay for any examination.

Notice of Prior Disability: If the Payor recovers from a total disability which has continued for six consecutive months and again becomes totally disabled (1) within 30 days of recovery and (2) if disabled from the same or related cause, then total disability should be considered to have continued during the period between recovery and recurrence.

Sagicor Life Inc Payor’s Waiver


Continuance Of Benefits At Age 65: If the Payor is totally disabled at the policy anniversary nearest his or her 65th birthday, the Company will waive the minimum premium due while-the Payor is continuously totally disabled.

Discontinuance Of Benefits: Premium payments must commence with the policy month following the earliest of:

a) termination of total disability; or b) failure of the Life Insured to attend a medical exam when the company requests it; or c) failure to furnish proof that the Life Insured is totally disabled when requested by the company.

The Company will advise the Payor in writing of the premium due date. IN THE EVENT OF DEATH OR DISABILITY OF THE PAYOR Exceptions: Benefits are not payable under the following circumstances:

a) Suicide, self-inflicted injuries or any attempt at either (whether sane or insane), or b) Any act of war, declared or undeclared, while the Payor is in the armed forces of any country, or c) Engagement in any military, naval or air-force service.

Commencement Of Benefit: The Company will waive the minimum premium beginning with the first premium due after the date of death or the date total disability of the Payor begins. If any such premium has been paid, the Company will refund it to the Payor, without interest. Term Coverage will terminate on the earliest of the policy anniversary nearest the Life Insured's 60th birthday and the termination date of the policy. Coverage will also terminate if the Life Insured engages in military, naval or air force service in time of war. Change in Coverage The Payor’s WP Premium will be increased or decreased if the premium on the base policy is increased or decreased. Issue Age The rider is available from issue ages 20 to 55. Commissions The rider premium will attract a commission rate of 80% in the first year only.

Sagicor Life Inc Standard/Preferred

Period to run Age of Payor(in years) 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39

Less than or = 10 3.90 3.90 3.90 3.90 3.90 4.10 4.10 4.10 4.10 4.10 4.30 4.30 4.30 4.30 4.30 4.50 4.60 4.70 4.80 5.0011 4.00 4.00 4.00 4.00 4.00 4.20 4.20 4.20 4.20 4.20 4.60 4.60 4.60 4.60 4.60 4.70 4.80 4.90 5.20 5.3012 4.20 4.20 4.20 4.20 4.20 4.30 4.30 4.30 4.30 4.30 4.70 4.70 4.70 4.70 4.70 4.80 5.00 5.20 5.40 5.7013 4.30 4.30 4.30 4.30 4.30 4.40 4.40 4.40 4.40 4.40 4.90 4.90 4.90 4.90 4.90 5.00 5.20 5.40 5.70 5.9014 4.30 4.30 4.30 4.30 4.30 4.50 4.50 4.50 4.50 4.50 5.00 5.00 5.00 5.00 5.00 5.30 5.50 5.70 6.00 6.30

15 4.40 4.40 4.40 4.40 4.40 4.60 4.60 4.60 4.60 4.60 5.30 5.30 5.30 5.30 5.30 5.50 5.80 6.00 6.30 6.6016 4.50 4.50 4.50 4.50 4.50 4.80 4.80 4.80 4.80 4.80 5.50 5.50 5.50 5.50 5.50 5.70 6.00 6.20 6.60 7.0017 4.60 4.60 4.60 4.60 4.60 4.90 4.90 4.90 4.90 4.90 5.70 5.70 5.70 5.70 5.70 6.00 6.20 6.60 7.00 7.4018 4.70 4.70 4.70 4.70 4.70 5.10 5.10 5.10 5.10 5.10 6.00 6.00 6.00 6.00 6.00 6.20 6.60 7.00 7.40 7.9019 4.80 4.80 4.80 4.80 4.80 5.20 5.20 5.20 5.20 5.20 6.20 6.20 6.20 6.20 6.20 6.60 7.00 7.30 7.90 8.40

20 5.00 5.00 5.00 5.00 5.00 5.50 5.50 5.50 5.50 5.50 6.60 6.60 6.60 6.60 6.60 6.80 7.30 7.70 8.20 8.8021 5.10 5.10 5.10 5.10 5.10 5.60 5.60 5.60 5.60 5.60 6.90 6.90 6.90 6.90 6.90 7.20 7.70 8.10 8.70 9.3022 5.20 5.20 5.20 5.20 5.20 5.80 5.80 5.80 5.80 5.80 7.20 7.20 7.20 7.20 7.20 7.60 8.10 8.60 9.20 9.9023 5.30 5.30 5.30 5.30 5.30 6.00 6.00 6.00 6.00 6.00 7.60 7.60 7.60 7.60 7.60 7.90 8.50 9.10 9.80 10.5024 5.40 5.40 5.40 5.40 5.40 6.20 6.20 6.20 6.20 6.20 7.90 7.90 7.90 7.90 7.90 8.30 9.00 9.60 10.30 11.10

25 5.50 5.50 5.50 5.50 5.50 6.40 6.40 6.40 6.40 6.40 8.30 8.30 8.30 8.30 8.30 8.80 9.40 10.10 10.80 11.7026 5.60 5.60 5.60 5.60 5.60 6.60 6.60 6.60 6.60 6.60 8.60 8.60 8.60 8.60 8.60 9.20 9.90 10.70 11.50 12.3027 5.70 5.70 5.70 5.70 5.70 6.80 6.80 6.80 6.80 6.80 9.00 9.00 9.00 9.00 9.00 9.80 10.50 11.30 12.10 12.9028 5.80 5.80 5.80 5.80 5.80 7.00 7.00 7.00 7.00 7.00 9.30 9.30 9.30 9.30 9.30 10.30 11.00 11.80 12.80 13.6029 5.90 5.90 5.90 5.90 5.90 7.20 7.20 7.20 7.20 7.20 9.70 9.70 9.70 9.70 9.70 10.80 11.50 12.40 13.40 14.30

30 6.00 6.00 6.00 6.00 6.00 7.40 7.40 7.40 7.40 7.40 10.10 10.10 10.10 10.10 10.10 11.30 12.20 13.10 14.10 15.1031 6.10 6.10 6.10 6.10 6.10 7.60 7.60 7.60 7.60 7.60 10.40 10.40 10.40 10.40 10.40 11.80 12.80 13.80 14.80 15.8032 6.20 6.20 6.20 6.20 6.20 7.90 7.90 7.90 7.90 7.90 10.80 10.80 10.80 10.80 10.80 12.40 13.40 14.40 15.4033 6.40 6.40 6.40 6.40 6.40 8.20 8.20 8.20 8.20 8.20 11.20 11.20 11.20 11.20 11.20 13.00 14.00 15.0034 6.60 6.60 6.60 6.60 6.60 8.50 8.50 8.50 8.50 8.50 11.60 11.60 11.60 11.60 11.60 13.60 14.60

35 6.80 6.80 6.80 6.80 6.80 8.80 8.80 8.80 8.80 8.80 12.00 12.00 12.00 12.00 12.00 14.2036 7.00 7.00 7.00 7.00 7.00 9.10 9.10 9.10 9.10 9.10 12.50 12.50 12.50 12.50 12.5037 7.20 7.20 7.20 7.20 7.20 9.40 9.40 9.40 9.40 9.40 13.00 13.00 13.00 13.0038 7.40 7.40 7.40 7.40 7.40 9.80 9.80 9.80 9.80 9.80 13.60 13.60 13.6039 7.60 7.60 7.60 7.60 7.60 10.20 10.20 10.20 10.20 10.20 14.20 14.20

40 7.80 7.80 7.80 7.80 7.80 10.60 10.60 10.60 10.60 10.60 14.8041 8.00 8.00 8.00 8.00 8.00 11.00 11.00 11.00 11.00 11.0042 8.30 8.30 8.30 8.30 8.30 11.40 11.40 11.40 11.4043 8.60 8.60 8.60 8.60 8.60 11.80 11.80 11.8044 8.90 8.90 8.90 8.90 8.90 12.30 12.30

45 9.20 9.20 9.20 9.20 9.20 12.8046 9.50 9.50 9.50 9.50 9.5047 9.80 9.80 9.80 9.8048 10.20 10.20 10.2049 10.60 10.6050 11.00

Payor's Death and Disability WaiverPremiums as a % of the Basic Premium to be waived


Sagicor Life Inc Standard/Preferred

Period to run Age of Payor(in years) 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55

Less than or = 10 5.30 5.60 5.80 6.10 6.50 6.80 7.30 7.80 8.30 9.00 9.80 10.60 11.60 12.70 13.90 15.3011 5.60 5.80 6.20 6.60 6.90 7.40 7.90 8.50 9.20 9.90 10.90 11.80 12.90 14.10 15.50 16.8012 5.90 6.20 6.60 7.00 7.50 8.00 8.50 9.20 10.00 10.80 11.80 12.90 14.10 15.40 16.70 18.3013 6.30 6.60 7.10 7.50 8.00 8.60 9.30 10.00 10.80 11.80 12.90 14.10 15.40 16.70 18.20 19.7014 6.60 7.00 7.50 8.00 8.60 9.30 10.00 10.90 11.80 12.80 14.00 15.20 16.50 18.00 19.70 21.30

15 7.00 7.50 8.00 8.60 9.20 9.90 10.80 11.70 12.80 13.80 15.10 16.40 17.90 19.40 21.10 22.9016 7.40 7.90 8.60 9.20 9.90 10.70 11.60 12.60 13.70 14.90 16.20 17.60 19.20 20.70 22.6017 7.90 8.50 9.10 9.80 10.60 11.50 12.50 13.50 14.70 16.00 17.40 18.80 20.40 22.2018 8.40 9.10 9.70 10.50 11.30 12.30 13.30 14.50 15.70 17.00 18.50 20.00 21.8019 9.00 9.60 10.40 11.20 12.10 13.20 14.30 15.40 16.70 18.20 19.60 21.30

20 9.40 10.20 11.10 11.90 12.90 13.90 15.10 16.40 17.70 19.30 20.9021 10.00 10.80 11.70 12.60 13.70 14.80 16.00 17.30 18.80 20.4022 10.70 11.50 12.40 13.30 14.50 15.60 16.90 18.30 19.9023 11.20 12.10 13.20 14.10 15.30 16.60 17.90 19.4024 12.00 12.90 13.90 15.00 16.10 17.50 18.90

25 12.60 13.30 14.60 15.80 17.10 18.5026 13.40 14.50 15.70 16.90 18.1027 13.90 15.10 16.40 17.6028 14.60 15.90 17.2029 15.40 16.7030 16.20

Payor's Death and Disablity WaiverPremiums as a % of the Basic Premium to be waived


Sagicor Life Inc Guaranteed Insurability Option

September 1, 2003 Page C.7D.1

GUARANTEED INSURABILITY OPTION

Benefits Within six months before or after each Regular Option Date, or within six months after each Special Option Date specified below, the Insured may increase the insurance on an existing policy or purchase a new policy on his or her own life without evidence of insurability, subject to the terms and conditions below. The Option Amount (amount of increased insurance) is $25,000. Regular Option Dates Regular Option Dates occur on the policy anniversary nearest the Insured’s attained age of 25, 28, 31, 34, 37, or 40. Special Option Dates Special Option Dates occur within 6 months after the following events:

• the Insured’s legal marriage, • the birth of a living child to the Insured, given that both the child and the Insured are still alive

and the child is in good health at the time that the additional insurance is applied for, • the Insured’s legal adoption of a child under the age of 18.

Maximum Number of New Policies The maximum number of new policies that can be purchased is six. Each time a Special Option is exercised, the next available Regular Option Date is cancelled. Premiums Premiums are payable to age 40, or to the end of the basic policy premium payment period if earlier. General Conditions The plan types for which a new insurance policy may be issued as a result of exercising this provision are subject to the approval of the Actuary to the Company and may change. Premiums and policy conditions that are currently in use at the time of opting will be applicable. The premium will be calculated based on the then current premium rates for that policy and the attained age of the Insured at that time. The Insured’s risk classification for premiums will be the same as is applicable for the original policy. To apply for the new policy the Insured must complete the standard application form and pay the first premium.

Sagicor Life Inc Guaranteed Insurability Option


Supplementary Benefits and Riders Total Disability Waiver and Accidental Death Riders may be purchased for the new policy without evidence of insurability provided

1. a comparable rider is in effect under this policy with respect to the Insured, and 2. the new policy is a plan to which a Total Disability Waiver and/or Accidental Death Rider may

be added. The premium for either rider will be based on the attained age of the Insured and premium rates then in force, but for the same classification of risk as is applicable for this policy. With respect to a Total Disability Waiver Rider:

• If the Insured is not totally disabled on the Option Date, the new policy must be on any available permanent life or level term plan with premiums payable for at least 25 years.

• If the Insured is totally disabled on the Option Date, and as a result the Company is or will be

waiving premiums for this policy, the new policy must be on a whole life plan (premiums payable throughout the Insured’s lifetime). For the purpose of waiving the premiums on the new policy, the Company will waive the condition that the disability must have begun while the Total Disability Waiver Rider was in effect.

With respect to an Accidental Death Rider, the amount of accidental death benefit must not be less than the minimum allowed by the Company’s rules at that time. Limited Continuation of the Provision if attached to a Term policy which is converted If the original policy is a term policy which is converted prior to the last Regular Option Date, a Guaranteed Insurability Option Provision will be added to the new policy arising from conversion granting the right, under terms and conditions attached to that policy, to purchase a number of new policies equal to the difference between six policies and the number of new policies purchased under the Guaranteed Insurability Option Provision on this policy. Availability The Guaranteed Insurability Option is available on the following plans:

• Whole Life • Level Term to 80 • Level Term to 65 • Life Saver II • Life Paid up at 65 • 5 Year Renewable and Convertible Term • 10 Year Renewable and Convertible Term

Sagicor Life Inc Guaranteed Insurability OptionBarbados and OECS

Standard/Preferred

Males and FemalesAnnual Premium

Age Rate per $25,0000 12.501 13.002 13.503 14.254 15.00

5 15.756 16.757 17.758 19.009 20.25

10 21.5011 22.7512 24.0013 25.2514 26.50

15 27.7516 28.5017 29.7518 31.0019 32.25

20 33.7521 35.2522 36.7523 38.2524 39.75

25 41.5026 43.0027 44.5028 46.0029 47.50

30 49.2531 51.0032 53.0033 55.0034 57.00

35 59.0036 62.7537 66.50


Documents

SAGICOR LIFE INC · Sagicor Life Inc Information about the Company July 1, 2006 Page A1.2 Sagicor offers a wide range of products and services including: • Life and Health Insurance