Code of Maine Rules › 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATION › 031 - BUREAU OF INSURANCE › Chapter 220 - CREDIT LIFE AND HEALTH INSURANCE › Appendix 031-220-B

Current through 2024-29, July 17, 2024
Prima Facie Credit A&H Rates For Critical period
				  Disability Coverage
(30 Day Waiting Period)
6 Mo. Maximum Benefit Period
12 Mo. Maximum Benefit Period
Non-Retroactive­_
Retroactive
Non-Retroactive­_
Retroactive
Term*
Rate
L.R.+
Rate
L..R.+
Rate
L.R.+
Rate
L.R.+
6
0.93
50
1.70
59
0.93
50
1.70
59
12
1.27
53
1.98
64
1.46
55
2.11
67
18
1.36
54
2.06
65
1.69
58
2.36
69
24
1.41
54
2.08
66
1.77
60
2.46
70
30
1.41
55
2.09
66
1.82
61
2.53
70
36
1.42
55
2.10
66
1.86
61
2.56
70
42
1.42
55
2.09
66
1.88
61
2.58
70
48
1.42
55
2.08
66
1.86
62
2.58
70
54
1.42
55
2.07
66
1.86
62
2.58
70
60
1.41
55
2.06
66
1.86
62
2.57
70
72
1.42
54
2.06
65
1.88
61
2.55
70
84
1.39
54
2.02
65
1.86
61
2.51
70
96
1.37
54
2.02
64
1.83
61
2.47
70
108
1.35
54
1.98
64
1.81
61
2.43
70
120
1.32
54
1.97
63
1.81
60
2.43
69
132
1.32
53
1.94
63
1.78
60
2.39
69
144
1.30
53
1.93
62
1.75
60
2.34
69
156
1.27
53
1.89
62
1.75
59
2.30
69
168
1.25
53
1.86
62
1.71
59
2.29
68
180
1.23
53
1.85
61
1.71
58
2.25
68
18 Mo. Maximum Benefit Period
24 Mo. Maximum Benefit Period
Non-Retroactive­_
Retroactive
Non-Retroactive­_
Retroactive
Term*
Rate
L.R.+
Rate
L..R.+
Rate
L.R.+
Rate
L.R.+
6
0.93
50
1.70
59
0.93
50
1.70
59
12
1.46
55
2.11
67
1.46
55
2.11
67
18
1.75
60
2.43
70
1.75
60
2.43
70
24
1.92
63
2.66
71
1.96
64
2.69
72
30
2.03
64
2.76
72
2.12
66
2.89
73
36
2.08
65
2.81
73
2.23
67
3.03
73
42
2.10
66
2.85
73
2.28
68
3.08
74
48
2.13
66
2.88
73
2.30
69
3.13
74
54
2.12
67
2.89
73
2.34
69
3.17
74
60
2.13
67
2.90
73
2.37
69
3.19
74
72
2.13
67
2.89
73
2.39
69
3.20
74
84
2.12
67
2.86
73
2.39
69
3.18
74
96
2.13
66
2.83
73
2.37
69
3.16
74
108
2.10
66
2.83
72
2.35
69
3.12
74
120
2.07
66
2.78
72
2.33
69
3.08
74
132
2.07
65
2.74
72
2.33
68
3.04
74
144
2.04
65
2.70
72
2.30
68
3.03
73
156
2.01
65
2.69
71
2.26
68
2.98
73
168
2.00
64
2.64
71
2.23
68
2.94
73
180
1.97
64
2.60
71
2.23
67
2.89
73
* Term of Indebtedness in Months
+ Benchmark Loss Ratio
Prima Facie Credit A&H Rates for Critical Period
				  Disability Coverage
(30 Day Waiting Period)
30 Mo. Maximum Benefit Period
36 Mo. Maximum Benefit Period
Non-Retroactive­_
Retroactive
Non-Retroactive­_
Retroactive
Term*
Rate
L.R.+
Rate
L..R.+
Rate
L.R.+
Rate
L.R.+
6
0.93
50
1.70
59
0.93
50
1.70
59
12
1.46
55
2.11
67
1.46
55
2.11
67
18
1.75
60
2.43
70
1.75
60
2.43
70
24
1.96
64
2.69
72
1.96
64
2.69
72
30
2.14
67
2.94
73
2.14
67
2.94
73
36
2.29
68
3.11
74
2.31
69
3.15
74
42
2.40
69
3.20
75
2.45
70
3.29
75
48
2.46
70
3.29
75
2.58
70
3.43
75
54
2.52
70
3.35
75
2.63
71
3.47
76
60
2.56
70
3.39
75
2.66
72
3.53
76
72
2.57
71
3.43
75
2.73
72
3.56
77
84
2.59
71
3.44
75
2.77
72
3.58
77
96
2.58
71
3.42
75
2.78
72
3.58
77
108
2.57
71
3.39
75
2.77
72
3.56
77
120
2.58
70
3.36
75
2.75
72
3.58
76
132
2.55
70
3..31
75
2.73
72
3.54
76
144
2.52
70
3.27
75
2.70
72
3.50
76
156
2.49
70
3.22
75
2.67
72
3.45
76
168
2.45
70
3.21
74
2.67
71
3.40
76
180
2.42
70
3.17
74
2.63
71
3.40
75
48 Mo. Maximum Benefit Period
60 Mo. Maximum Benefit Period
Non-Retroactive­_
Retroactive
Non-Retroactive­_
Retroactive
Term*
Rate
L.R.+
Rate
L..R.+
Rate
L.R.+
Rate
L.R.+
6
0.93
50
1.70
59
0.93
50
1.70
59
12
1.46
55
2.11
67
1.46
55
2.11
67
18
1.75
60
2.43
70
1.75
60
2.43
70
24
1.96
64
2.69
72
1.96
64
2.69
72
30
2.14
67
2.94
73
2.14
67
2.94
73
36
2.31
69
3.15
74
2.31
69
3.15
74
42
2.48
70
3.32
75
2.48
70
3.32
75
48
2.63
71
3.48
76
2.63
71
3.48
76
54
2.75
72
3.59
77
2.77
72
3.61
77
60
2.82
73
3.71
77
2.89
73
3.73
78
72
2.97
73
3.81
78
3.08
74
3.87
80
84
3.01
74
3.84
79
3.22
74
4.01
80
96
3.05
74
3.87
79
3.25
75
4.09
80
108
3.07
74
3.88
79
3.30
75
4.13
80
120
3.07
74
3.87
79
3.32
75
4.14
80
132
3.05
74
3.84
79
3.32
75
4.13
80
144
3.03
74
3.81
79
3.31
75
4.11
80
156
3.00
74
3.82
78
3.29
75
4.07
80
168
3.01
73
3.77
78
3.26
75
4.03
80
180
2.98
73
3.73
78
3.23
75
3.99
80
* Term of Indebtedness in Months
+ Benchmark Loss Ratio