Carrier:  Kansas City Life

Example:

42 year old wanting $100,000 in Life coverage:

Monthly cost  =  $20.00

Weekly deduction =  $ 4.62

Plan Design

Minimum Benefit

$20,000

Maximum Benefit

$100,000

Spousal Benefit

50% EE benefit

Child Coverage - 6 m - 18 yrs (23 if student)

$2,500 or $10,000 (max 10% EE benefit)

Spouse/Child eligibility without EE

No - employee must be enrolled

Age Benefit Reductions

65 - 35%, 70 - 55%, 75 - 70%

Guaranteed Issue

Employee $100,000, Spouse $50,000

Portable (you take it with you)

Yes

Rate Guarantee

2 year

Rate per $1,000 (thousand) of Benefit

< 25

$0.07

25 - 29

$0.07

30 - 34

$0.08

35 - 39

$0.14

40 - 44

$0.20

45 - 49

$0.31

50 - 54

$0.48

55 - 59

$0.86

60 - 64

$1.25

65 - 69

$2.00

70 - 74

$3.65

75 - 79

$6.78

80 +

$25.78

Child Rate

$0.58 / $2,500 benefit
per child