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 =
Where n = The term of the insurance coverage in months

**	Conversion Formula Is As Follows:
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