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APPENDIX C CREDIT DISABILITY INSURANCE PRESUMPTIVE RATES

Return to Order No. 00-0214
Details of Plan Under Order 00-0214
Plan Plan Description Rate
10 Single Premium 14-day Retroactive Multiply rate from Table C times Discount Factor *
11 Single Premium 30-day Retroactive Multiply rate from Table C times Discount Factor *
12 Single Premium 14-day Non-Retroactive Multiply rate from Table C times Discount Factor *
13 Single Premium 30-day Non-Retroactive Multiply rate from Table C times Discount Factor *
14 Single Premium 90-day Non-Retroactive w $.13 /year/$100 initial indebtedness times Discount Factor *
16 Outstanding Balance Revolving 14-day Retroactive $2.00 per month per $1000 of outstanding insured indebtedness
17 Outstanding Balance Revolving 30-day Retroactive $1.48 per month per $1000 of outstanding insured indebtedness
18 Outstanding Balance Revolving 14-day Non-Retroactive $1.74 per month per $1000 of outstanding insured indebtedness
19 Outstanding Balance Revolving 30-day Non-Retroactive $1.30 per month per $1000 of outstanding insured indebtedness
22 Outstanding Balance Other 14-day Retroactive Multiply applicable Table C rate by Conversion Formula **
23 Outstanding Balance Other 30-day Retroactive Multiply applicable Table C rate by Conversion Formula**
24 Outstanding Balance Other 14-day Non-Retroactive Multiply applicable Table C rate by Conversion Formula**
25 Outstanding Balance Other 30-day Non-Retroactive Multiply applicable Table C rate by Conversion Formula**
26 Outstanding Balance Other 90-day Non-Retroactive Multiply Plan 14 SP without discount by Conversion Formula**

* Single premium rates for plans 10 through 14 must be multiplied by the discount factor which is restated as follows:

Discount Factor
Discount Factor = life health formulas
Where n = The term of the insurance coverage in months


** Conversion Formula Is As Follows: life health formulas
Where n = the term of the insurance coverage in months.

°Coverage cannot be less than 6 months



TABLE C OF APPENDIX C CREDIT DISABILITY SINGLE PREMIUM RATES (PLANS 10, 11, 12, & 13) BEFORE APPLICATION OF DISCOUNT FACTOR RATES BELOW ARE PER $100 OF INITIAL INDEBTEDNESS
********** Benefits Payable After: ****************

Table C of Appendix C - Credit Disability Single Premium Rates
Original
Number of
Equal
Installments

14th day
of Disability
Retroactive

14th day
of Disability
Non-retroactive

30th day
of disability
Retroactive

30th day
of disability
Non-retroactive
3 0.79 0.61
4 1.06 0.81
5 1.32 1.01
6 1.51 1.21 1.10 0.68
7 1.60 1.36 1.20 0.78
8 1.69 1.44 1.29 0.86
9 1.76 1.51 1.37 0.94
10 1.83 1.58 1.45 1.01
11 1.89 1.64 1.50 1.08
12 1.94 1.69 1.55 1.13
13 1.99 1.75 1.58 1.18
14 2.04 1.80 1.62 1.24
15 2.09 1.85 1.65 1.29
16 2.14 1.89 1.68 1.33
17 2.18 1.94 1.71 1.38
18 2.23 1.97 1.74 1.43
19 2.26 2.02 1.76 1.46
20 2.30 2.05 1.79 1.50
21 2.34 2.09 1.82 1.53
22 2.37 2.12 1.83 1.55
23 2.41 2.16 1.86 1.57
24 2.44 2.19 1.88 1.59
25 2.48 2.23 1.89 1.61
26 2.50 2.26 1.93 1.64
27 2.54 2.29 1.95 1.66
28 2.56 2.32 1.96 1.68
29 2.60 2.35 1.98 1.69
30 2.62 2.38 2.00 1.71
31 2.66 2.41 2.02 1.73
32 2.69 2.43 2.03 1.75
33 2.71 2.46 2.05 1.76
34 2.74 2.49 2.08 1.79
35 2.76 2.52 2.09 1.81


Continuation of Table C of Appendix C - Credit Disability Single Premium Rates
Original
Number of
Equal
Installments

14th day
of Disability
Retroactive

14th day
of Disability
Non-retroactive

30th day
of disability
Retroactive

30th day
of disability
Non-retroactive
36 2.79 2.55 2.11 1.83
37 2.82 2.57 2.12 1.83
38 2.84 2.60 2.14 1.85
39 2.87 2.62 2.16 1.87
40 2.89 2.64 2.16 1.88
41 2.92 2.67 2.18 1.89
42 2.95 2.69 2.20 1.91
43 2.96 2.72 2.22 1.93
44 2.99 2.74 2.23 1.95
45 3.02 2.76 2.25 1.96
46 3.04 2.79 2.26 1.97
47 3.06 2.81 2.28 1.99
48 3.09 2.83 2.29 2.00
49 3.10 2.86 2.30 2.02
50 3.13 2.88 2.31 2.03
51 3.15 2.90 2.33 2.04
52 3.17 2.92 2.34 2.05
53 3.19 2.95 2.36 2.07
54 3.22 2.96 2.36 2.08
55 3.23 2.98 2.38 2.09
56 3.26 3.01 2.40 2.11
57 3.28 3.02 2.41 2.12
58 3.29 3.05 2.42 2.14
59 3.32 3.07 2.43 2.15
60 3.34 3.09 2.44 2.16
61 3.35 3.10 2.46 2.17
62 3.37 3.12 2.48 2.19
63 3.39 3.14 2.49 2.21
64 3.41 3.16 2.51 2.23
65 3.42 3.17 2.53 2.24
66 3.44 3.19 2.55 2.26
67 3.46 3.21 2.56 2.28
68 3.48 3.22 2.58 2.29
69 3.49 3.24 2.60 2.31
70 3.51 3.26 2.62 2.33
71 3.53 3.28 2.63 2.35
72 3.55 3.29 2.65 2.36
73 3.56 3.31 2.67 2.38
74 3.58 3.33 2.69 2.40
75 3.60 3.35 2.70 2.42
76 3.62 3.36 2.72 2.43


Continuation of Table C of Appendix C - Credit Disability Single Premium Rates
Original
Number of
Equal
Installments

14th day
of Disability
Retroactive

14th day
of Disability
Non-retroactive

30th day
of disability
Retroactive

30th day
of disability
Non-retroactive
77 3.63 3.38 2.74 2.45
78 3.65 3.40 2.76 2.47
79 3.67 3.42 2.77 2.49
80 3.69 3.43 2.79 2.50
81 3.70 3.45 2.81 2.52
82 3.72 3.47 2.82 2.54
83 3.74 3.49 2.84 2.56
84 3.75 3.50 2.86 2.57
85 3.77 3.52 2.88 2.59
86 3.79 3.54 2.89 2.61
87 3.81 3.55 2.91 2.62
88 3.82 3.57 2.93 2.64
89 3.84 3.59 2.95 2.66
90 3.86 3.61 2.96 2.68
91 3.88 3.62 2.98 2.69
92 3.89 3.64 3.00 2.71
93 3.91 3.66 3.02 2.73
94 3.93 3.68 3.03 2.75
95 3.95 3.69 3.05 2.76
96 3.96 3.71 3.07 2.78
97 3.98 3.73 3.09 2.80
98 4.00 3.75 3.10 2.82
99 4.02 3.76 3.12 2.83
100 4.03 3.78 3.14 2.85
101 4.05 3.80 3.16 2.87
102 4.07 3.82 3.17 2.89
103 4.09 3.83 3.19 2.90
104 4.10 3.85 3.21 2.92
105 4.12 3.87 3.22 2.94
106 4.14 3.89 3.24 2.96
107 4.15 3.90 3.26 2.97
108 4.17 3.92 3.28 2.99
109 4.19 3.94 3.29 3.01
110 4.21 3.95 3.31 3.02
111 4.22 3.97 3.33 3.04
112 4.24 3.99 3.35 3.06
113 4.26 4.01 3.36 3.08
114 4.28 4.02 3.38 3.09
115 4.29 4.04 3.40 3.11
116 4.31 4.06 3.42 3.13
117 4.33 4.08 3.43 3.15
118 4.35 4.09 3.45 3.16
119 4.36 4.11 3.47 3.18
120 4.38 4.13 3.49 3.20


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Last updated: 08/21/2015

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