50 54 115 55 59 18 12 112 60 64 15 05 0001

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50-541.150.870.20.92655-591.8%1.2%0.00255-591.120.890.20.93860-641.5%0.5%0.00160-641.10.910.10.92865-691.7%0.4%0.00165-691.050.9500.95270+1.0%0.5%0.00170+11.0001.000Avg Exposure Base/ 1000 coverageRatio to industryAvg ratio to indAvg adj for regionAvg adj for trendExposure Base/ 1000 coverageAvg factor in 10 yr bracketsExposure Base/ 1000 coverageAvg % blue collarCumm 1982 to 1993Cumm 1982 to 1993Avg per yearWhite collar% blue GreenCoAvg Ind Factor
0.0011.170.85
Lifestyle Factors - Industry StudyAvgSmoker1.30.4Non-smoker0.90.61.06Length rate guarantee - MutualOne Rate ManualRegion factors - Mutual One Rate ManualLengthfactorfactor% pop1 year1Northeast1.010.22 year1.01Southeast1.050.33 year1.02Midwest0.930.15Mountain0.990.1Westcoast0.980.251.00Manual Rate - Adjustments to Industry Demographic FactorsInd factorreg factorlifestyle15-190.03510.911.12711.0610.03820-240.052510.911.16011.0610.05925-290.0610.911.16011.0610.06730-340.0810.910.98211.0610.07635-390.0910.910.98211.0610.08540-440.110.910.94311.0610.09145-490.1510.910.94011.0610.13650-540.2510.910.92611.0610.22355-590.42510.910.93811.0610.38560-640.6510.910.92811.0610.58265-691.2510.910.95211.0611.14870+2.0510.911.00011.0611.977Credibility of group data0.65Credibility of adj ind data0.35GreenCo - Projected claim RateExp RateTotal15-191,600 0.0380.0420.04120-246,400 0.0590.0630.06225-2924,000 0.0670.1520.12230-3416,000 0.0760.2170.16835-3916,000 0.0850.2440.18940-4416,000 0.0910.0770.08245-4916,000 0.1360.1160.12350-5416,000 0.2230.2710.25455-5916,000 0.3850.4610.43460-6416,000 0.5820.7640.70065-693,600 1.1481.3701.29270+400 1.9772.2472.152Total148,000 0.2180.3000.271Claim cost $495,807 base495,807 cred 85%525,837 6.1%cred 45%465,778 -6.1%smoke 1.0527,364 6.4%smoke 0.1480,029 -3.2%smoke 0.5501,067 1.1%Reg of the countryIndustry DataMortality Trendadj co mkt/uwlength rate guartotal manualExposure Base/ 1000 coveragemanual rate

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