Rates
Heart & Stroke 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
$3.50 $4.75 $6.25 $8.00
$5.75 $8.00
$3.75 $5.00 $6.50 $8.25
$6.00 $8.25
$10.75 $14.00 $18.00 $23.25 $29.50 $37.50 $46.00 $53.75
$11.00 $14.25 $18.25 $23.50 $29.75 $37.75 $46.25 $54.00
$10.25 $13.25 $16.75 $21.25 $26.00 $30.50
$10.50 $13.50 $17.00 $21.50 $26.25 $30.75
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** An individual aged 65 wants a Heart & Stroke base policy with a Benefit Amount of $60,000. Rate Multiplier = $60,000 / $5,000 which equals 12. Step 1: Step 2 Start with the "Individual" column and locate Individual Monthly rate = $201 * Premiums are rounded to the nearest penny after the application of the modal premium factor **Same steps for Heart & Stroke Restoration Rider the issue age band that contains age 65 $16.75 x 12 = $201 $16.75
Multiply the found rate by the Rate Multiplier.
Heart & Stroke Restoration Rider
Monthly per $5,000
Issue Age
Individual
Individual & Spouse 1
One Parent
Family
20-39 40-44 45-49 50-54
$0.35 $0.50 $0.65 $0.80
$0.60 $0.80 $1.10 $1.40
$0.40 $0.50 $0.65 $0.85
$0.60 $0.85 $1.15 $1.45
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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