Rates
Cancer Base Policy
Monthly per $5,000
Issue Age
Individual
Individual & Spouse 1
One Parent
Family
20 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60 - 64 65 - 69 70 - 74 75 - 79 80 - 84
$3.75 $4.75 $6.25 $8.25
$6.25 $8.25
$4.25 $5.50 $6.75 $8.50
$7.00 $9.00
$11.00 $14.25 $18.50 $23.25 $28.00 $32.00 $33.00 $33.75
$11.50 $15.00 $19.00 $23.75 $28.50 $32.25 $33.25 $34.00
$10.50 $13.25 $16.00 $18.25 $18.75 $19.25
$11.00 $13.50 $16.25 $18.50 $19.00 $19.50
MODAL FACTORS* Annual: 11.765 x Monthly Semi-annual: 6.118 x Monthly Quarterly: 3.118 x Monthly
RATE MULTIPLIER Your Benefit Amount / $5,000
HOW TO CALCULATE EXAMPLE** A couple aged 38 and 40 wants a Cancer base policy with a Benefit Amount of $50,000. Rate Multiplier = $50,000 / $5,000 which equals 10. Step 1: Step 2 Start with the "Individual & Spouse 1 " column
Multiply the found rate by the Rate Multiplier.
and locate the issue age band that contains age 40 (oldest among the couple) $8.25
$8.25 x 10 = $82.50
Individual & Spouse 1 Monthly rate = $82.50
* Premiums are rounded to the nearest penny after the application of the modal premium factor **Same steps for Cancer Recurrence Rider
Cancer Recurrence Rider
Monthly per $5,000
Issue Age
Individual
Individual & Spouse 1
One Parent
Family $0.60 $0.75 $0.95 $1.20
20-39 40-44 45-49 50-54
$0.30 $0.40 $0.55 $0.70
$0.50 $0.70 $0.90 $1.20
$0.35 $0.45 $0.55 $0.70
1 In DC, Spouse or Domestic Partner or Civil Union Partner ; In MD and ME, Spouse or Domestic Partner; In OR, Spouse or Partner; In RI Spouse or Civil Union Partner
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