&RPSHWLWLYH ,QWHOOLJHQFH *XLGH · CSG is an actuarial consulting firm located in Omaha, NE that specializes in the individual life and health insurance markets. Please feel free to

TABLE OF CONTENTS Section Exhibit Page

Introduction Company Data

Overview Company Data Table: Exhibit A

Product Benefit Comparisons Overview Product Benefit Table: Underwriting Comparisons

Exhibit B

Overview Underwriting Table: Exhibit C

Premium Rate Comparisons Overview

Premium Rate Tables: Exhibit D-1 Exhibit D-2 Exhibit D-3 Exhibit D-4 Exhibit D-5 Exhibit D-6

Exhibit D-7 Exhibit D-8 Exhibit D-9 Exhibit D-10 Exhibit D-11 Exhibit D-12 Exhibit D-13 Exhibit D-14 Exhibit D-15 Exhibit D-16 Exhibit D-17 Exhibit D-18 Exhibit D-19 Exhibit D-20 Exhibit D-21 Exhibit D-22 Exhibit D-23 Exhibit D-24 Exhibit D-25 Exhibit D-26 Exhibit D-27 Exhibit D-28 Exhibit D-29 Exhibit D-30

© 2013 CSG Actuarial, LLC. All rights reserved. Reproduction or redistribution strictly prohibited. This copy of “Competitive

Intelligence Guide: Short Term Care” may not be shared outside the buyer’s firm without permission from CSG Actuarial, LLC.

www.CSGActuarial.com

INTRODUCTION CSG Actuarial, LLC (“CSG”) has prepared this edition of “Competitive Intelligence Guide: Cancer Insurance” to provide our clients with a comprehensive overview of the Cancer Insurance marketplace. The guide contains information on the major companies actively marketing Cancer Insurance, including company information, product benefit comparisons, underwriting data, and premium rate charts. This report is a summary of our comprehensive Cancer Insurance database that includes detailed information on premium rates, benefits, and underwriting data. The Cancer Insurance marketplace is a highly competitive market and having timely competitive intelligence can be a valuable tool. The benefits of this report include shortening the product development timeline, identifying competitive advantages/disadvantages, and reducing marketing research costs. The report is entirely self-contained so that the user can conveniently access the information needed to make actionable decisions regarding their business. The information provided has been obtained from public sources and every attempt has been made to verify the accuracy of the data. However, CSG does not guarantee or warrant the accuracy of the information provided in this report. The report is updated annually so that the information is always up to date and still relevant. CSG is an actuarial consulting firm located in Omaha, NE that specializes in the individual life and health insurance markets. Please feel free to contact us if you have any questions about this report or suggestions to improve and enhance the content provided.

COMPANY DATA

The attached Exhibit A provides information on each company represented in CSG’s Cancer Insurance

competitive database. This includes contact information, AM Best ratings, and corporate structure. The

user may find this information beneficial in evaluating the quality of the company relative to the specific

product and rate information provided in the other sections of this report.

This information was obtained from company websites and other public sources and may have changed

since this report was compiled.

INSURANCE

COMPANY CONTACT INFORMATION

Earned

Premium

Loss

Ratio

Policy

Count

TYPE OF

COMPANY

HOLDING

COMPANY

FINANCIALS -

AM BEST

RATING

FINANCIALS -

OUTLOOK

Company A

1234 Road

Blank, XY 44422

Phone: 566-5665

Web: www.companya.com

XXXXX 56% XXXXXXX Stock-(XYZ) N/A A+







Product Benefits Comparison

The attached Exhibit B provides information on each company’s cancer product represented in CSG’s cancer competitive database. Information regarding a product’s benefit design, available riders, rating characteristics, and benefit triggers are all included. Exhibit B can help users compare each company’s product with others in the market as well as identify competitive advantages and disadvantages of their own product line. The information provided in Exhibit B is a summary of CSG Actuarial’s cancer database. The information does not provide state variations or specific detail on benefit limits and issue ages. Please contact CSG Actuarial, LLC to request a customized competitive intelligence report. This information was obtained from public sources and may have changed since this report was compiled.

Exhibit B-Benefits:

Cancer Insurance

Product Specifications Company AForm NumbersPolicy Fee $0.00 Pre-Existing Condition N/AIssue Age 18-75Family Coverage Individual/1 Parent/2 Parent/SpouseGuaranteed-Renewable Yes Payroll/Worksite Option Yes - Worksite Product Waiting Period 30 days

Household Discount N/A

Benefits

Alternative Care Benefit

Experimental Treatment - $175 per week if charged, $75 per

week if no charge

Ambulance$250 per trip

Air - $2,000 Amount of Cancer Benefit $500 (first diagnosis)Anesthesia Benefit 25% of cost of surgery benefit paid Benefit Reduction Return of Premium Benefit - after 20 years it terminates

Blood Benefit$85 per day (hospital confinement)

$140 per day (outpatient)

Dreaded Disease BenefitRider - $1,000 per covered disease; Includes hospital

confinement $200 per day for days 1-30, $500 per day for Drug Benefit Antinausea - $50 per monthHeart Attack/Stroke Benefit N/AHome Healthcare Benefit $50 per day, max of 30 days per year Hospice Care $1,000 one time, $50 per day thereafter, max of $12,000

Hospital Stay Coverage/Intensive Care

Hospital

$100 per day up to 30 days

$200 per day for 31+ days

$100 per day for surgical room Increase Benefit N/AMedical Equipment Imaging - $75, twice per year Physician Benefit N/A

Private Nurse/Skilled Nursing Skilled Nursing Facility - $75 per day, max of 30 days per year

Nursing - $50 per day, up to the number of days confined

ProsthesisSurgical - $1,000, max of $2,000

Nonsurgical - $90 per occurrence, max of $180

Radiation Therapy

Treatment of Radiation - $175 per week

Injected - $300 per week

Oral - $135 per month (Nonhormonal)/$135 per month up to

24 months (Hormonal)

Topical - $100 per month

Max of $405 per month Reoccurrence Benefit N/AReturn of Premium Yes - Less claims paid

Stem Cell/Bone Marrow

Bone Marrow Transplant - $3,500

Bone Donor Screening - $40

Stem Cell Transplant - $3,500

Surgery Benefit

Daily max of 2,125

Skin Cancer Surgery - Up to $200 per operation

2nd Surgical Opinion Benefit - $100 per day

Reconstructive - $1,000 per day max

Travel/Lodging Travel - $0.35 per mile, max of $1,000

Lodging - $50 per day, max of 90 days per year Waiver of Premium Yes - 90 day elimination period Wellness Benefit $25 per yearWigs/Hairpiece N/A

Other

National Cancer Institute Evaluation - $500

Immunotherapy - $175 per month, max of $875

Egg Harvesting - $500 (extracting), $175 (storage)

Initial Diagnosis Building Rider - $100-$500 units

Child Rider - $10,000 for diagnosis

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown.

©2013 CSGActuarial, LLC.

All rights reserved. Reproduction/redistribution strictly prohibited.




UNDERWRITING CRITERIA COMPARISONS

The attached Exhibit C provides an underwriting criteria comparison for each company represented in CSG’s Cancer Insurance competitive database. This information was compiled from each company’s application filed with the state insurance departments. Each application question was summarized based on the condition being asked and the “look back” period used for eligibility. This exhibit has been condensed to show the major conditions when applying for a cancer policy. Other medical conditions may apply on a per company bases that are not shown in this illustration but are uncommon within this market or pertain to riders associated with a particular policy. The Exhibit C should be interpreted by reviewing each medical condition and the criteria used for declination. For example, on internal cancer, if the table states “2 years”, this means the company will decline coverage for any applicant that has been diagnosed of treated for internal cancer within the last 2 years. If the table is blank for any specific condition the company does not ask any application questions for that particular condition. The actual application question may vary by company and could be more or less restrictive given the actual wording of the question. These tables should be viewed with caution and used only as a guide to the types of conditions and “look back” periods each company uses in evaluating Cancer Insurance applicants. In addition there may be slight variations in applications by state that are not reflected in the tables.

Exhibit C-3: Underwriting Criteria

Company Internal Cancer

Hodgkin's Disease /

Lymphoma Malignant Melanoma Leukemia Sarcoma/Carcinoma in Situ Tumor/Growth

HIV Positive Test/AIDS

or AIDS Related

Complex

Replacing Medical or Health

Insurance

Company A Yes-Ever (including skin) Yes

Company

Medical professional advised

of surgery, or to undergo

testing and have not done so

Medical Tests with Results

Still Pending

Experience Symptoms that

caused to seek medical advice

Have you used any form of

Tobacco?

Company A

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes may have been made that are not shown.






PREMIUM RATE COMPARISONS The attached Exhibit D provides a sample of premium rate comparisons for each company represented in CSG’s cancer competitive database, the rates are shown are comprehensive. Below is a summary of all the tables:

Exhibit D-1: Company A Exhibit D-2: Exhibit D-3: Exhibit D-4: Exhibit D-5:

Exhibit D-6: Exhibit D-7: Exhibit D-8: Exhibit D-9: Exhibit D-10: Exhibit D-11: Exhibit D-12: Exhibit D-13: Exhibit D-14: Exhibit D-15: Exhibit D-16: Exhibit D-17: Exhibit D-18: Exhibit D-19: Exhibit D-20: Exhibit D-21: Exhibit D-22: Exhibit D-23: Exhibit D-24: Exhibit D-25: Exhibit D-26: Exhibit D-27: Exhibit D-28: Exhibit D-29:

Exhibit D-30: Each of the companies in the study has slightly different benefit options and structures. Please refer to the attached Exhibit B for an analysis of the benefit options offered by each company.

Exhibit D-1: Rates - Company A

Monthly Premium Rates

Cancer Series Plan Age Individual 1-Parent Family Insured/Spouse 2-Parent Family

Company A 18-75 $13.91 $13.91 $22.23 $22.23

Age Individual 1-Parent Family Insured/Spouse 2-Parent Family

18-75 $1.17 $1.17 $2.60 $2.60


18-75 N/A $0.91 N/A $0.91


18-75 $0.91 $0.91 $1.69 $1.69

Cancer

Building Benefit Rider

Dependent Child Rider

Specified Disease Rider

Data found from websites or other sources of public data. CSG does not guarantee the accuracy of the report. Changes

may have been made that are not shown.



Documents

&RPSHWLWLYH ,QWHOOLJHQFH *XLGH · CSG is an actuarial consulting firm located in Omaha, NE that specializes in the individual life and health insurance markets. Please feel free to