Med Supp Premium Comparison

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					        2010
Medicare Supplement
     Insurance
Premium Comparison

       Arizona
Department of Insurance




    Janice K. Brewer
       Governor

      Christina Urias
   Director of Insurance
            TABLE OF CONTENTS



Message from the Director of Insurance     1

What should I consider when shopping for
Medicare Supplement insurance?             2

A good shopping strategy                   4

About this Guide                           5

Glossary of Terms                          5

Premium Comparison                         6


Helpful Arizona Resources                  45
                   Message from the Director

Dear Medicare Supplement Shopper:
This publication was designed to help you compare Medicare Supplement
insurance policies (also called Medigap), and help you save money,
understand benefits choices and service options. While price is an
important consideration, shoppers should also consider:
1. The financial strength and stability of the insurance company,
2. The level of services provided, and
3. Which benefits best suit your circumstances.
Whether you are a first time Medigap shopper, or long time policy owner, it
is important to know your options. Obtain a copy of the publication
“Choosing a Medigap Policy: A Guide To Health Insurance For People
With Medicare,“ (published by the U.S. Department of Health and Human
Services) which provides a detailed description of the benefits in each of the
standardized Medicare Supplement policies.
To obtain a free copy of “Choosing a Medigap Policy” visit
www.medicare.gov/Publications/, or call us at (602) 364-2499 or at (800)
325-2548 (outside Phoenix) or send an email request to
consumers@azinsurance.gov.
Another invaluable resource for Medigap shoppers is the Arizona Senior
Health Insurance Assistance Program (SHIP). SHIP offers free counseling
related to Medicare, Medicare supplement insurance and related insurance
products.    Call toll free (800) 432-4040, or email requests to
askaaa@azdes.gov. A list of other helpful Medicare related references
appears at the back of this booklet.
Review your new policy as soon as you receive it. If you have any
questions, promptly call the agent or insurance company. If you are
dissatisfied for any reason, return the Medigap policy within 30 days of
receipt for a full refund. This “free look” period is explained on the front of
your policy.
To learn more about your Medicare options, contact Medicare at (800) 633-
4227 or www.medicare.gov, or SHIP at (800) 432-4040.



                                 Christina Urias
                              Director of Insurance

                                                                              1
        What should I consider when shopping for
        Medicare Supplement Insurance?
                Service                         •   Your health. Pre-existing health
As with any purchase you make, you should           conditions generally result in higher
not assume that the most expensive                  premiums; some insurers charge more
product is necessarily the best. Nor should         for certain conditions than other
you assume that the cheapest policy will            insurers. However, during open
give you the same level of service that a           enrollment and guaranteed issue time,
more expensive product would. Get                   insurers cannot charge higher premiums
feedback from your friends and family about         for pre-existing conditions.
which insurers have given them good             •   Your age. Insurers charge premiums
service. Here are some aspects of service           based on your age at the time the policy
to consider:                                        was issued. So, if you change policies
Claims Service                                      and/or companies, your Medigap
• Does the insurer offer automatic claim            premium may increase.
    submission (also called “cross-over”)?      •   Your gender. Some insurers charge
    Most Medigap carriers are notified by           male policyholders more than female.
    Medicare when its portion of your claim     •   Your smoking status.      Smokers are
    is paid so there is less paperwork for          generally charged a higher premium.
    policyholders.
• Are     claim payments prompt and             •   Marital status. Some insurers offer a
    accurate?                                       marital discount when both spouses
Customer Service                                    apply for coverage.
• What are the insurer’s hours of customer      •   Level of benefits.   The   higher the
    service?                                        benefit level, the more the policy will
• Are customer service staff courteous              cost.
    and helpful?
                                                •   Cross-over fees. While most insurers
• Are      toll free telephone numbers
                                                    do not charge a fee for this service,
    available?
                                                    some do.
• Are any on-line services offered?
• Does        the insurer utilize agent         •   Medicare Select. Some insurers offer
    representatives or will you deal directly       a “Select” policy which utilizes a
    with insurance company personnel for            restricted provider network, which can
    customer service?                               result in lower premiums.
Range of benefits                               •   Your deductible. Some insurers that
• Does the insurer offer all the Medigap            offer Medigap Plans F and/or H may
    plans?                                          also offer it with a “high deductible”
• Does the insurer offer any extra benefits         option which could reduce the cost.
    and services?
                                                •   Frequency of premium payments.
                  Cost                              Some insurers will offer a discount if
The wide range in premiums between                  you pay an annual premium. However,
insurance companies suggests that it pays           be aware that after you have had your
to shop around. There are a number of               policy for 30 days, insurers are not
factors that influence what premium you will        obligated to give you a refund if you
pay for a Medicare Supplement policy.               cancel your policy mid-term.


 2
•   Electronic Fund Transfer (EFT)                   1, 2010, but cannot take effect until June
    Discount. If you agree to have your              1, 2010. In addition, Hospice benefits will
    monthly         premium  payment                 become part of the Basic Benefits in ALL
    automatically deducted from your                 plans effective on or after June 1, 2010.
    checking account, some companies
    will offer a discount.
                                                             Benefit                    Plans
        Financial strength                           Basic Benefits:            Plans A, B, C, D, E, F,
There are several organizations that offer           * Part A hospital coin-    G, H, I, J, M
independent information about the                      surance plus 365
financial strength of insurance companies.             additional days          Plans K and L pay a
You can ask your insurance agent (also               * Part B medical ex-       portion of Part B,
called a producer) for information or you              pense coinsurance        Blood and Hospice
can contact the rating organizations                   or copayment             benefits
directly:                                            * First 3 pints of blood
                                                     * Part A hospice coin-     Plan N will require co-
   Rating                                              surance                  payment for ER
                  Phone
Organization                          Web Site
                  Number                                                        Plans B, C, D, E, F, G,
AM Best     (908) 439-2200 www.ambest.com                                       H, I, J, N
Company Inc                                          Part A Deductible          Plans K, L, M pay
                                                                                a portion of the Part A
Fitch          (212) 908-0500 www.fitchratings.                                 Deductible
Investor                      com
Services                                                                        Plans C, D, E, F, G, H,
Moody’s        (212) 553-0377 www.moodys.com                                    I, J, M, N
                                                     Skilled Nursing Facility
Investors                                                                     Plans K and L pay
                                                     Coinsurance
Services                                                                      a portion of the SNF
Standard &     (212) 438-2400 www.standardpoor                                Coinsurance
Poor                          .com
                                                     Part B Deductible          Plans C, F and J
The Street     (800) 289-9222 www.thestreetratings
Ratings.com                    .com                                             Plans F, I and J
                                                     Part B Excess
                                                     Charges                    Plan G pays a portion
                Benefits                                                        of this benefit
The following chart offers an overview of            Foreign Travel             Plans C, D, E, F, G, H,
the benefits contained in each of the                Emergency Care             I, J, M, N
standardized Medigap policies. For a
                                                     Preventive Care            Plans E, J, K and L
detailed description     of the benefits
available under each Medicare                        At-Home Recovery
Supplement policy, review the current
                                                     Will not be included       Plans D, G, and I
issue of “Choosing a Medigap Policy: A               in plans effective on
Guide To Health Insurance For People                 or after 6/1/2010
With Medicare”.

NOTE: As of June 1, 2010 plans E, H, I               Call the State Health Insurance
and J will no longer be sold and two new             Assistance Program (SHIP) for free
plans, M and N, will become available.               benefits counseling: (800) 432-4040.
M and N plans can be sold after January

                                                                                                      3
              Medigap shopping checklist...
        Evaluate your benefit needs and determine which one or two of the
        10 Medigap plans suits you best: A, B, C, D, F, G, K, L, M or N.
        Research several different insurance companies and agents,
        evaluating service, benefits and stability. Talk to friends and family
        about their experiences. Consider asking a friend or
        family member to join you during solicitations.
        If shopping through an insurance agent, call the
        Arizona Department of Insurance to verify licensure
        and inquire about complaint history.
        Get quotes from several insurance companies.
        Carefully compare the Outlines of Coverage you               Save money!
                                                                     Shop around
        receive from the soliciting agent. Prior to taking an
        application, agents are required to give you an
        Outline of Coverage and the Shopper’s Guide.
        Do not pay for the policy with cash! Write a check or money order
        made payable only to the insurance company, not the agent.
        Read the policy and paperwork upon receipt. Contact the agent or
        insurance company if you have any questions or concerns.
        Ask a trusted family member or friend to look over the policy and
        paperwork with you.
        Exercise your 30 day “free look” period to return your policy if you
        are dissatisfied with your policy purchase for any reason.


    It is illegal for insurance sales people to:
    •   Pressure or mislead you into buying or switching Medigap policies.
    •   Misuse names, letters or symbols of the U.S. government or to claim to be
        a Medicare representative.
    •   Sell you duplicative Medigap policies.
    •   Offer a policy with “Attained Age Premiums” which means policy
        premiums would increase as the policyholder reaches certain age brackets.


4
                               About this Guide
The premiums listed on the following pages were obtained from insurance companies.
The Arizona Department of Insurance sent a survey to Medicare Supplement insurers
and asked them to “quote” average monthly premiums for Medigap policies for a male
or female, non-smoking applicant in good health at age 65, 70, 75 and 80 residing in
the seven Arizona counties with the highest Medicare beneficiary populations:
Cochise, Maricopa, Mohave, Pima, Pinal, Yavapai and Yuma. Since these quotes
are based on a hypothetical applicant, they are not necessarily indicative of
what your actual premium would be with a particular company. You will have to
obtain quotes prepared specifically for you to get that information.
Premium information is listed alphabetically by insurance company and then by
county. Not all companies offer all plans. The following premium comparison chart
lists which of the standardized plans currently available (A, B, C, D, E, F, G, H, I, J, K,
L) are offered by each insurer and the average premium for each.
As of June 1, 2010, plans E, H, I and J will no longer be sold and two new plans, M
and N, will become available. M and N plans can be sold after January 1, 2010, but
policies cannot take effect until June 1, 2010. There are no M or N plan premiums in
this publication because rates are not yet available. The 2011 edition of the Medicare
Supplement Premium Comparison will include comparisons of M and N plans.
This publication also includes premium information for Medicare recipients under age
65. For information about Medicare Advantage plans, shoppers should refer to the
“Medicare & You” and/or the “Choosing a Medigap” booklets.




                              Glossary of Terms
 Association Group Policy – A policy issued to an association, such as AARP.
 Individuals can apply for “certificates” under the group policy but must join the
 association.
 Cross-over claim service – The Medigap insurer receives direct notification of
 Medicare claim payments eliminating the need for the policyholder to send separate
 claims to the insurer in order to receive supplemental insurance benefits.
 Issue Age Premium – Policy premiums are based on the policyholder’s age at the
 time the policy is issued and premiums do not increase incrementally due to age.
 (Insurers can no longer offer Attained Age Premium policies in Arizona).
 Medicare Select Policy – A Medigap policy that requires the use of a specific medical
 provider network to receive full benefits.

 Unisex Rate – When an insurer charges the same premium rate regardless of gender.


                                                                                         5
                                                    Your             A                   B                C                D
Name of Insurer                                      Age      Male    Female      Male   Female    Male   Female    Male   Female


Admiral Life Insurance Company                        65       80         70   101            88   115        100   102         89
                                                      70       95         82   119           104   132        115   121        105
                                                      75      104         91   131           114   144        125   132        115
                                                      80      109         95   137           119   150        131   139        121
1-877-344-9784
                           Counties: Cochise       Mohave      Pima       Yavapai
                                                      65       98         85   124           107   140        122   125        109
                                                      70      116        101   146           127   162        141   147        128
                                                      75      127        111   160           139   176        153   162        141
                                                      80      133        116   168           146   184        160   170        147

                           Counties: Maricopa       Pinal    Yuma

Aetna Life Insurance Company                          65      147        147   158           158    -          -     -          -
                                                      70      172        172   182           182    -          -     -          -
                                                      75      180        180   194           194    -          -     -          -
www.aetnamedicare.com                                 80      180        180   200           200    -          -     -          -
1-800-557-5078
                    Statewide Rates

American Continental Insurance                        65       98         85   123           107    -          -    125        108
Company                                               70      107         93   134           120    -          -    136        118
                                                      75      117        102   148           129    -          -    149        129
www.cont-life.com                                     80      123        107   156           135    -          -    157        137
1-800-264-4000
                           Counties: Cochise       Mohave      Pima       Pinal     Yavapai        Yuma
                                                      65      120        104   151           131    -          -    152        133
                                                      70      130        113   164           143    -          -    166        144
                                                      75      143        125   181           157    -          -    183        159
                                                      80      151        131   190           165    -          -    192        167

                           Counties: Maricopa




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
6
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


103         90      119        104      103         89    -         -      -          -       -           -       -         -     -           -
122        106      135        118      121        106    -         -      -          -       -           -       -         -     -           -
134        116      146        127      133        116    -         -      -          -       -           -       -         -     -           -
140        122      151        131      140        121    -         -      -          -       -           -       -         -     -           -



126        109      146        127      126        109    -         -      -          -       -           -       -         -     -           -
149        129      165        144      148        129    -         -      -          -       -           -       -         -     -           -
163        142      178        155      163        142    -         -      -          -       -           -       -         -     -           -
171        149      185        161      171        148    -         -      -          -       -           -       -         -     -           -



 -           -      195        195       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      226        226       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      245        245       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      259        259       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      141        123       -          -     -         -      -          -      142        123       -         -     -           -
 -           -      152        132       -          -     -         -      -          -      153        133       -         -     -           -
 -           -      164        143       -          -     -         -      -          -      165        144       -         -     -           -
 -           -      171        149       -          -     -         -      -          -      172        150       -         -     -           -



 -           -      173        150       -          -     -         -      -          -      174        151       -         -     -           -
 -           -      186        162       -          -     -         -      -          -      187        163       -         -     -           -
 -           -      201        175       -          -     -         -      -          -      202        176       -         -     -           -
 -           -      209        182       -          -     -         -      -          -      210        183       -         -     -           -




       - means the plan is not offered


                                                                                                                                                  7
                                                    Your             A                 B                C                D
Name of Insurer                                      Age      Male   Female     Male   Female    Male   Female    Male   Female


American National Life Insurance                      65      133        118    162        145   184        165   152        139
Company of Texas                                      70      153        135    191        170   217        193   169        156
                                                      75      164        145    211        190   239        215   180        167
www.anico.com                                         80      167        148    220        203   249        230   192        181
1-800-899-6503
                           Counties: Cochise       Yavapai
                                                      65      140        124    171        153   194        174   159        146
                                                      70      161        142    202        179   228        204   177        164
                                                      75      173        153    222        200   252        226   190        176
                                                      80      176        156    231        213   263        242   203        191

                           Counties: Maricopa       Pima     Pinal       Yuma
                                                      65      160        143    197        176   223        200   183        168
                                                      70      185        163    232        206   263        234   204        189
                                                      75      199        176    255        230   290        260   218        202
                                                      80      203        179    266        245   302        278   233        220

                           Counties: Mohave

American Pioneer Life Insurance                       65      252        219    332        289   448        390   354        308
Company ф                                             70      280        244    373        324   497        433   397        346
                                                      75      301        262    406        353   538        468   434        377
www.amerpion.com                                      80      315        274    430        374   568        494   459        400
1-800-538-1053
                           Counties: Cochise       Maricopa     Yuma
                                                      65      206        180    271        236   366        319   289        252
                                                      70      229        199    305        265   407        354   325        283
                                                      75      246        214    332        289   440        383   355        309
                                                      80      257        224    351        306   465        405   376        327

                           Counties: Yavapai




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
8
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


147        132      183        163      150        138    -         -      -          -       -           -       -         -     -           -
159        142      215        192      168        154    -         -      -          -       -           -       -         -     -           -
166        149      237        213      179        166    -         -      -          -       -           -       -         -     -           -
171        158      247        228      191        180    -         -      -          -       -           -       -         -     -           -



155        138      192        172      158        145    -         -      -          -       -           -       -         -     -           -
167        150      226        202      177        162    -         -      -          -       -           -       -         -     -           -
175        157      250        225      188        175    -         -      -          -       -           -       -         -     -           -
180        167      260        240      201        190    -         -      -          -       -           -       -         -     -           -



178        159      221        198      182        167    -         -      -          -       -           -       -         -     -           -
192        172      260        232      204        186    -         -      -          -       -           -       -         -     -           -
201        181      287        258      217        201    -         -      -          -       -           -       -         -     -           -
207        192      299        276      231        218    -         -      -          -       -           -       -         -     -           -



 -           -      426        371       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      474        412       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      513        446       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      541        471       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      349        303       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      388        337       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      419        365       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      442        385       -          -     -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                                  9
                                                   Your             A                B               C               D
Name of Insurer                                     Age      Male   Female    Male   Female   Male   Female   Male   Female


American Republic Corp                               65      104         94    -         -     -         -     -         -
Insurance Company ф                                  70      124        109    -         -     -         -     -         -
                                                     75      142        124    -         -     -         -     -         -
www.americanenterprise.com                           80      163        138    -         -     -         -     -         -
888-755-3065
                    Counties: Cochise             Yavapai
                                                     65      121        109    -         -     -         -     -         -
                                                     70      143        127    -         -     -         -     -         -
                                                     75      165        143    -         -     -         -     -         -
                                                     80      189        160    -         -     -         -     -         -

                          Counties: Maricopa       Mohave
                                                     65      110         99    -         -     -         -     -         -
                                                     70      130        115    -         -     -         -     -         -
                                                     75      150        130    -         -     -         -     -         -
                                                     80      172        146    -         -     -         -     -         -

                          Counties: Pima
                                                     65      116        104    -         -     -         -     -         -
                                                     70      137        121    -         -     -         -     -         -
                                                     75      158        137    -         -     -         -     -         -
                                                     80      180        153    -         -     -         -     -         -

                          Counties: Pinal     Yuma




       ф means the insurer offers a marital discount
       ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
       ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
10
       E                   F                   G               H               I                   J                   K               L
Male       Female   Male       Female   Male   Female   Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -           -       -           -       -         -     -         -      -          -      137        124       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      163        144       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      187        162       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      214        182       -         -     -           -



 -           -       -           -       -         -     -         -      -          -      159        144       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      189        167       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      217        188       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      248        211       -         -     -           -



 -           -       -           -       -         -     -         -      -          -      145        131       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      171        151       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      197        171       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      226        191       -         -     -           -



 -           -       -           -       -         -     -         -      -          -      152        137       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      180        159       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      207        180       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      237        201       -         -     -           -




       - means the plan is not offered


                                                                                                                                             11
                                                    Your             A                B                  C                D
Name of Insurer                                      Age      Male   Female    Male   Female      Male   Female    Male   Female


American Republic Insurance                           65      140        140    -          -       -          -     -          -
Company                                               70      160        160    -          -       -          -     -          -
                                                      75      177        177    -          -       -          -     -          -
www.americanenterprise.com                            80      195        195    -          -       -          -     -          -
1-888-755-3065
                    Counties: Cochise              Yavapai
                                                      65      163        163    -          -       -          -     -          -
                                                      70      185        185    -          -       -          -     -          -
                                                      75      205        205    -          -       -          -     -          -
                                                      80      226        226    -          -       -          -     -          -

                           Counties: Maricopa       Mohave
                                                      65      148        148    -          -       -          -     -          -
                                                      70      168        168    -          -       -          -     -          -
                                                      75      186        186    -          -       -          -     -          -
                                                      80      206        206    -          -       -          -     -          -

                           Counties: Pima
                                                      65      155        155    -          -       -          -     -          -
                                                      70      177        177    -          -       -          -     -          -
                                                      75      196        196    -          -       -          -     -          -
                                                      80      216        216    -          -       -          -     -          -

                           Counties: Pinal     Yuma

Assured Life Association                              65       83         73    89         77     111         97    95         82
                                                      70      101         88   107         94     134        117   114        100
                                                      75      110         96   117        102     147        128   125        109
www.denverwoodmen.com                                 80      116        101   123        107     154        134   131        114
1-877-223-3666
                    Counties: Cochise              Maricopa     Mohave         Pima       Pinal
                                                      65       76         66    81        70      101         88    86         75
                                                      70       91         80    98        85      122        106   104         91
                                                      75      100         87   107        93      133        116   114         99
                                                      80      105         91   112        98      140        122   120        104

                           Counties: Yavapai       Yuma




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
12
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -



 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -



 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -



 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      112         97       96         83    -         -      -          -       -           -       -         -     -           -
 -           -      135        117      116        101    -         -      -          -       -           -       -         -     -           -
 -           -      147        128      126        110    -         -      -          -       -           -       -         -     -           -
 -           -      155        135      133        115    -         -      -          -       -           -       -         -     -           -



 -           -      102         88       87         76    -         -      -          -       -           -       -         -     -           -
 -           -      123        107      105         91    -         -      -          -       -           -       -         -     -           -
 -           -      134        116      115        100    -         -      -          -       -           -       -         -     -           -
 -           -      141        122      121        105    -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                              13
                                                    Your             A                B                C                D
Name of Insurer                                      Age      Male   Female    Male   Female    Male   Female    Male   Female


Bankers Fidelity Life Insurance                       65        75        75   117        117   140        140   136        136
Company                                               70        80        80   130        130   158        158   154        154
                                                      75        84        84   145        145   177        177   173        173
www.bflic.com                                         80        89        89   158        158   191        191   186        186
1-866-458-7500
                           Counties: Cochise       Yavapai
                                                      65        83        83   129        129   155        155   150        150
                                                      70        88        88   145        145   176        176   171        171
                                                      75        93        93   160        160   197        197   191        191
                                                      80        98        98   176        176   212        212   207        207

                           Counties: Maricopa       Pinal    Yuma

Bankers Life and Casualty                             65      222        222   260        260   418        418   192        192
Company ‡                                             70      254        254   308        308   496        496   231        231
                                                      75      291        291   362        362   585        585   275        275
www.bankerslife.com                                   80      314        314   397        397   644        644   305        305
1-800-621-3724
                           Statewide Rates

Banner MediSun, Inc. (SELECT) ‡                       65       77         77    -          -    154        154    -          -
                                                      70       87         87    -          -    198        198    -          -
                                                      75       97         97    -          -    220        220    -          -
www.medisun.com                                       80      101        101    -          -    239        239    -          -
1-800-446-8331
                           Counties: Maricopa

BlueCross BlueShield of Arizona                       65      115        115    -          -    119        119    -          -
₪                                                     70      142        142    -          -    147        147    -          -
                                                      75      169        169    -          -    175        175    -          -
www.azblue.com                                        80      169        169    -          -    175        175    -          -
1-800-232-2345
                           Statewide Rates

BlueCross BlueShield of Arizona                       65        -         -     -          -     98         98    -          -
(SELECT) ₪                                            70        -         -     -          -    121        121    -          -
                                                      75        -         -     -          -    144        144    -          -
www.azblue.com                                        80        -         -     -          -    144        144    -          -
1-800-232-2345
                           Statewide Rates




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
14
       E                   F                   G                H               I                   J                   K                L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female    Male       Female


 85         85      145        145      113        113    -         -    100        100       -           -       -          -     -           -
 92         92      163        163      122        122    -         -    108        108       -           -       -          -     -           -
105        105      182        182      140        140    -         -    125        125       -           -       -          -     -           -
113        113      195        195      151        151    -         -    134        134       -           -       -          -     -           -



 94         94      160        160      125        125    -         -    112        112       -           -       -          -     -           -
102        102      181        181      135        135    -         -    120        120       -           -       -          -     -           -
117        117      202        202      156        156    -         -    138        138       -           -       -          -     -           -
126        126      217        217      168        168    -         -    149        149       -           -       -          -     -           -



282        282      162        162      205        205    -         -      -          -      231        231      104        104   136        136
336        336      194        194      249        249    -         -      -          -      282        282      126        126   165        165
397        397      229        229      297        297    -         -      -          -      336        336      150        150   197        197
437        437      251        251      328        328    -         -      -          -      371        371      166        166   218        218



 -           -      183        183       -          -     -         -      -          -      417        417       -          -     -           -
 -           -      237        237       -          -     -         -      -          -      492        492       -          -     -           -
 -           -      265        265       -          -     -         -      -          -      523        523       -          -     -           -
 -           -      284        284       -          -     -         -      -          -      560        560       -          -     -           -



 -           -      126        126       -          -     -         -      -          -       -           -       -          -     -           -
 -           -      155        155       -          -     -         -      -          -       -           -       -          -     -           -
 -           -      185        185       -          -     -         -      -          -       -           -       -          -     -           -
 -           -      185        185       -          -     -         -      -          -       -           -       -          -     -           -



 -           -       -           -       -          -     -         -      -          -       -           -       -          -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -          -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -          -     -           -
 -           -       -           -       -          -     -         -      -          -       -           -       -          -     -           -




       - means the plan is not offered


                                                                                                                                               15
                                                     Your             A                 B                C                D
Name of Insurer                                       Age      Male    Female   Male     Female   Male   Female    Male   Female


Central Reserve Life Insurance                         65      269        234       -        -     -          -     -         -
Company                                                70      294        256       -        -     -          -     -         -
                                                       75      327        284       -        -     -          -     -         -
www.centralreserve.com                                 80      344        299       -        -     -          -     -         -
1-866-459-4272
                    Counties: Cochise               Mohave      Pima       Yavapai
                                                       65      297        258       -        -     -          -     -         -
                                                       70      325        283       -        -     -          -     -         -
                                                       75      361        314       -        -     -          -     -         -
                                                       80      380        330       -        -     -          -     -         -

                            Counties: Maricopa       Pinal    Yuma

Christian Fidelity Life Insurance                      65      154        135       -        -     -          -     -         -
Company                                                70      177        156       -        -     -          -     -         -
                                                       75      192        169       -        -     -          -     -         -
www.oxfordlife.com                                     80      198        174       -        -     -          -     -         -
1-888-757-3732
                            Counties: Cochise       Maricopa     Pima       Pinal       Yuma
                                                       65      140        123       -        -     -          -     -         -
                                                       70      161        141       -        -     -          -     -         -
                                                       75      175        153       -        -     -          -     -         -
                                                       80      180        158       -        -     -          -     -         -

                            Counties: Mohave        Yavapai

Combined Insurance Company of                          65      189        189   239         239   301        301    -         -
America                                                70      199        199   254         254   320        320    -         -
                                                       75      235        235   301         301   379        379    -         -
www.combinedinsurance.com                              80      266        266   340         340   428        428    -         -
1-800-544-5531
                    Statewide Rates




         ф means the insurer offers a marital discount
         ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
         ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
16
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -           -      310        269       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      339        295       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      376        327       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      396        344       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      342        298       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      375        326       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      416        361       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      438        381       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      191        167      175        153    -         -      -          -       -           -       -         -     -           -
 -           -      217        190      199        174    -         -      -          -       -           -       -         -     -           -
 -           -      237        208      219        192    -         -      -          -       -           -       -         -     -           -
 -           -      248        218      230        202    -         -      -          -       -           -       -         -     -           -



 -           -      173        152      159        139    -         -      -          -       -           -       -         -     -           -
 -           -      197        173      181        159    -         -      -          -       -           -       -         -     -           -
 -           -      216        189      199        174    -         -      -          -       -           -       -         -     -           -
 -           -      226        198      209        184    -         -      -          -       -           -       -         -     -           -



 -           -      336        336       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      354        354       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      420        420       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      476        476       -          -     -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                              17
                                                    Your             A                 B                C                D
Name of Insurer                                      Age      Male   Female    Male     Female   Male   Female    Male   Female


Conseco Insurance Company                             65      133        121       -        -     -          -    157        143
                                                      70      165        146       -        -     -          -    194        172
                                                      75      202        170       -        -     -          -    238        200
www.conseco.com                                       80      237        190       -        -     -          -    279        224
1-800-888-4918
                            Counties: Cochise      Yavapai
                                                      65      155        141       -        -     -          -    182        166
                                                      70      192        170       -        -     -          -    225        200
                                                      75      235        198       -        -     -          -    276        233
                                                      80      276        221       -        -     -          -    325        260

                            Counties: Maricopa      Mohave      Pima       Pinal       Yuma

Continental General Insurance                         65      429        429       -        -    412        412    -          -
Company                                               70      461        461       -        -    457        457    -          -
                                                      75      490        490       -        -    507        507    -          -
www.continentalgeneral.com                            80      515        515       -        -    554        554    -          -
1-866-459-4272
                    Statewide Rates

Equitable Life & Casualty                             65      184        160   256         256   303        303   197        197
Insurance Company                                     70      204        178   297         297   358        358   235        235
                                                      75      231        201   313         313   387        387   257        257
www.EquiLife.com                                      80      253        220   326         326   425        425   287        287
1-800-352-5120
                            Counties: Cochise      Pinal   Yuma
                                                      65      210        183   256         256   303        303   197        197
                                                      70      234        203   297         297   358        358   235        235
                                                      75      265        230   313         313   387        387   257        257
                                                      80      289        252   326         326   425        425   287        287

                            Counties: Maricopa      Pima
                                                      65      175        152   256         256   303        303   197        197
                                                      70      195        169   297         297   358        358   235        235
                                                      75      221        192   313         313   387        387   257        257
                                                      80      241        210   326         326   425        425   287        287

                            Counties: Mohave       Yavapai




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
18
       E                   F                   G                H                I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female    Male       Female   Male       Female   Male   Female   Male       Female


 -           -      183        169      138        125    -          -      -          -      179        164       -         -     -           -
 -           -      222        202      170        151    -          -      -          -      184        185       -         -     -           -
 -           -      261        228      209        176    -          -      -          -      240        206       -         -     -           -
 -           -      299        251      245        196    -          -      -          -      268        226       -         -     -           -



 -           -      213        197      160        146    -          -      -          -      214        195       -         -     -           -
 -           -      258        235      198        176    -          -      -          -      250        221       -         -     -           -
 -           -      304        266      243        204    -          -      -          -      285        244       -         -     -           -
 -           -      347        292      285        228    -          -      -          -      318        268       -         -     -           -



 -           -      361        361      311        311    -          -      -          -       -           -       -         -     -           -
 -           -      396        396      350        350    -          -      -          -       -           -       -         -     -           -
 -           -      435        435      395        395    -          -      -          -       -           -       -         -     -           -
 -           -      470        470      439        439    -          -      -          -       -           -       -         -     -           -



220        220      261        261      232        232   161        140   199        199      184        160       -         -    114         99
260        260      305        305      275        275   179        156   237        237      204        178       -         -    133        116
280        280      327        327      297        297   202        176   260        260      231        201       -         -    151        131
305        305      352        352      327        327   221        192   289        289      253        220       -         -    165        144



220        220      261        261      232        232   184        160   199        199      211        183       -         -    131        114
260        260      305        305      275        275   204        176   237        237      234        203       -         -    153        133
280        280      327        327      297        297   231        201   260        260      265        230       -         -    172        150
305        305      352        352      327        327   253        220   289        289      289        252       -         -    189        164



220        220      261        261      232        232   154        134   199        199      175        153       -         -    109         95
260        260      305        305      275        275   170        148   237        237      195        169       -         -    127        111
280        280      327        327      297        297   193        167   260        260      220        192       -         -    144        125
305        305      352        352      327        327   211        183   289        289      241        210       -         -    157        137




       - means the plan is not offered


                                                                                                                                               19
                                                    Your             A                B                C                D
Name of Insurer                                      Age      Male    Female   Male   Female    Male   Female    Male   Female


Family Life Insurance Company ф                       65      110         96   134        116   153        133   140        122
                                                      70      124        108   150        131   173        151   158        137
                                                      75      140        122   170        148   196        170   178        155
www.familylifeins.com                                 80      152        132   185        161   213        185   194        169
1-800-877-7703
                    Statewide Rates

Globe Life and Accident Insurance                     65        95        95   138        138   159        159    -          -
Company                                               70        98        98   145        145   173        173    -          -
                                                      75        98        98   145        145   177        177    -          -
www.globecaremedsupp.com                              80        98        98   145        145   178        178    -          -
1-800-801-6831
                    Statewide Rates

Humana Insurance Company                              65      134        126   141        133   163        154    -          -
                                                      70      156        152   164        160   190        185    -          -
                                                      75      173        173   182        182   211        211    -          -
www.humana-medicare.com                               80      187        187   197        197   229        229    -          -
1-800-872-7294
                    Statewide Rates

Lincoln Heritage Life Insurance                       65        74        65    99         86   117        102   100         87
Company                                               70        82        71   109         95   128        112   110         96
                                                      75        92        80   124        108   144        125   126        109
www.lhlic.com                                         80        97        85   134        116   155        135   136        118
1-800-433-8181
                           Counties: Cochise       Mohave      Pima       Yavapai
                                                      65       88         77   117        102   139        121   118        103
                                                      70       97         84   129        112   152        133   131        114
                                                      75      109         95   147        128   171        149   149        130
                                                      80      116        101   189        138   185        160   162        141

                           Counties: Maricopa       Pinal    Yuma




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
20
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


141        122      159        139      143        124    -         -      -          -       -           -       -         -     -           -
158        138      178        154      162        141    -         -      -          -       -           -       -         -     -           -
179        156      200        174      181        157    -         -      -          -       -           -       -         -     -           -
195        169      216        188      195        170    -         -      -          -       -           -       -         -     -           -



 -           -      160        160       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      173        173       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      178        178       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      179        179       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      164        155       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      191        186       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      213        213       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      230        230       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      121        105       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      133        115       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      149        129       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      160        139       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      144        125       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      157        137       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      177        154       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      190        166       -          -     -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                              21
                                                    Your             A                 B                C                D
Name of Insurer                                      Age      Male   Female    Male     Female   Male   Female    Male   Female


Loyal American Life Insurance                         65      110         97   137         121   155        137   148        128
Company                                               70      119        105   148         130   167        148   159        140
                                                      75      134        118   170         150   193        172   177        156
www.loyalamerican.com                                 80      144        127   185         163   213        189   209        185
1-800-633-6752
                    Counties: Cochise              Yavapai
                                                      65      130        115   162         143   181        161   175        151
                                                      70      140        123   175         154   195        173   188        166
                                                      75      158        140   200         177   226        201   209        185
                                                      80      171        150   219         193   249        221   247        219

                           Counties: Maricopa       Mohave      Pima       Pinal       Yuma

Marquette National Life Insurance                     65      150        130       -        -     -          -    173        150
Company ф                                             70      165        143       -        -     -          -    198        172
                                                      75      173        151       -        -     -          -    220        192
www.marquettenationallife.com                         80      176        153       -        -     -          -    240        208
1-800-934-8203
                    Counties: Maricopa              Pinal    Yuma
                                                      65      158        137       -        -     -          -    182        159
                                                      70      174        151       -        -     -          -    209        182
                                                      75      183        159       -        -     -          -    232        202
                                                      80      185        161       -        -     -          -    253        220

                           Counties: Mohave
                                                      65      141        123       -        -     -          -    164        142
                                                      70      156        136       -        -     -          -    187        163
                                                      75      164        143       -        -     -          -    208        181
                                                      80      166        144       -        -     -          -    227        197

                           Counties: Pima
                                                      65      133        116       -        -     -          -    154        134
                                                      70      147        128       -        -     -          -    177        154
                                                      75      155        134       -        -     -          -    196        171
                                                      80      157        136       -        -     -          -    214        186

                           Counties: Yavapai




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
22
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -           -      155        138      141        122    -         -      -          -       -           -       -         -     -           -
 -           -      168        149      152        134    -         -      -          -       -           -       -         -     -           -
 -           -      194        172      169        149    -         -      -          -       -           -       -         -     -           -
 -           -      213        190      196        174    -         -      -          -       -           -       -         -     -           -



 -           -      181        161      167        144    -         -      -          -       -           -       -         -     -           -
 -           -      196        174      180        159    -         -      -          -       -           -       -         -     -           -
 -           -      227        201      199        177    -         -      -          -       -           -       -         -     -           -
 -           -      249        222      232        205    -         -      -          -       -           -       -         -     -           -



 -           -      207        180      192        158    -         -      -          -       -           -       -         -     -           -
 -           -      234        203      208        181    -         -      -          -       -           -       -         -     -           -
 -           -      258        224      232        201    -         -      -          -       -           -       -         -     -           -
 -           -      279        242      251        219    -         -      -          -       -           -       -         -     -           -



 -           -      218        189      192        167    -         -      -          -       -           -       -         -     -           -
 -           -      247        214      220        191    -         -      -          -       -           -       -         -     -           -
 -           -      272        236      244        212    -         -      -          -       -           -       -         -     -           -
 -           -      294        255      265        231    -         -      -          -       -           -       -         -     -           -



 -           -      195        170      172        150    -         -      -          -       -           -       -         -     -           -
 -           -      221        192      197        171    -         -      -          -       -           -       -         -     -           -
 -           -      244        212      219        190    -         -      -          -       -           -       -         -     -           -
 -           -      264        229      238        207    -         -      -          -       -           -       -         -     -           -



 -           -      184        160      162        141    -         -      -          -       -           -       -         -     -           -
 -           -      208        181      186        162    -         -      -          -       -           -       -         -     -           -
 -           -      230        200      206        180    -         -      -          -       -           -       -         -     -           -
 -           -      248        216      224        195    -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                              23
                                                    Your             A                   B                C                D
Name of Insurer                                      Age      Male    Female      Male   Female    Male   Female    Male   Female


Medico Insurance Company                              65       87         74       -          -     -          -    118        105
                                                      70       93         78       -          -     -          -    127        113
                                                      75      101         83       -          -     -          -    141        124
www.gomedico.com                                      80      108         87       -          -     -          -    154        134
1-800-228-6080
                           Counties: Cochise       Mohave      Pima       Pinal        Yavapai     Yuma
                                                      65      102         86       -          -     -          -    139        124
                                                      70      109         91       -          -     -          -    149        133
                                                      75      119         98       -          -     -          -    166        146
                                                      80      127        102       -          -     -          -    181        157

                           Counties: Maricopa

Mennonite Mutual Aid Association Under 65, Disabled           232        232       -          -     -          -     -          -
                                                      65      116        116       -          -     -          -     -          -
                                                      70      129        129       -          -     -          -     -          -
www.mma-online.org                                    75      136        136       -          -     -          -     -          -
1-800-348-7468                                        80      138        138       -          -     -          -     -          -

                           Statewide Rates

Monumental Life Insurance                             65      125        125   191           191   222        222   217        217
Company ‡                                             70      156        156   239           239   276        276   271        271
                                                      75      178        178   273           273   317        317   310        310
                                                      80      188        188   288           288   334        334   327        327
1-800-752-9797
                           Statewide Rates

Mutual of Omaha Insurance                             65      111         96       -          -    180        157   146        127
Company                                               70      133        116       -          -    216        189   176        153
                                                      75      145        127       -          -    236        206   192        167
www.mutualofomaha.com                                 80      153        133       -          -    248        216   201        176
1-800-693-6093
                    Statewide Rates




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
24
       E                   F                   G                H                I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female    Male       Female   Male       Female   Male   Female   Male       Female


 -           -      127        113       -          -     -          -      -          -       -           -       -         -     -           -
 -           -      136        121       -          -     -          -      -          -       -           -       -         -     -           -
 -           -      150        132       -          -     -          -      -          -       -           -       -         -     -           -
 -           -      163        142       -          -     -          -      -          -       -           -       -         -     -           -



 -           -      149        132       -          -     -          -      -          -       -           -       -         -     -           -
 -           -      159        142       -          -     -          -      -          -       -           -       -         -     -           -
 -           -      176        155       -          -     -          -      -          -       -           -       -         -     -           -
 -           -      191        167       -          -     -          -      -          -       -           -       -         -     -           -



325        325      381        381       -          -     -          -      -          -       -           -       -         -    236        236
163        163      190        190       -          -     -          -      -          -       -           -       -         -    118        118
188        188      216        216       -          -     -          -      -          -       -           -       -         -    135        135
204        204      234        234       -          -     -          -      -          -       -           -       -         -    144        144
216        216      246        246       -          -     -          -      -          -       -           -       -         -    152        152



226        226      254        254      244        244   220        220   222        222      239        239       -         -     -           -
281        281      317        317      304        304   274        274   277        277      298        298       -         -     -           -
322        322      362        362      348        348   313        313   317        317      340        340       -         -     -           -
339        339      382        382      366        366   330        330   334        334      358        358       -         -     -           -



 -           -      171        148      145        126    -          -      -          -       -           -       -         -     -           -
 -           -      206        179      174        152    -          -      -          -       -           -       -         -     -           -
 -           -      225        196      190        166    -          -      -          -       -           -       -         -     -           -
 -           -      236        206      200        174    -          -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                               25
                                                    Your             A                B                C               D
Name of Insurer                                      Age      Male   Female    Male   Female    Male   Female   Male   Female


National States Insurance                             65        -         -     -          -     -         -    133        116
Company                                               70        -         -     -          -     -         -    148        129
                                                      75        -         -     -          -     -         -    154        134
                                                      80        -         -     -          -     -         -    173        150
1-800-868-6788
                           Counties: Cochise       Maricopa     Yavapai
                                                      65        -         -     -          -     -         -    127        110
                                                      70        -         -     -          -     -         -    141        123
                                                      75        -         -     -          -     -         -    147        128
                                                      80        -         -     -          -     -         -    165        143

                           Counties: Mohave        Pima    Pinal
                                                      65        -         -     -          -     -         -    120        105
                                                      70        -         -     -          -     -         -    134        117
                                                      75        -         -     -          -     -         -    139        121
                                                      80        -         -     -          -     -         -    156        136

                           Counties: Yuma
                                                      65      244        244   336        336    -         -     -          -
                                                      70      272        272   374        374    -         -     -          -
                                                      75      283        283   389        389    -         -     -          -
                                                      80      318        318   437        437    -         -     -          -

                           Statewide Rates




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
26
       E                   F                   G               H               I                   J                   K               L
Male       Female   Male       Female   Male   Female   Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -



 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -



 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -
 -           -       -           -       -         -     -         -      -          -       -           -       -         -     -           -



 -           -      255        255       -         -     -         -      -          -       -           -       -         -     -           -
 -           -      284        284       -         -     -         -      -          -       -           -       -         -     -           -
 -           -      295        295       -         -     -         -      -          -       -           -       -         -     -           -
 -           -      331        331       -         -     -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                             27
                                                    Your             A                 B               C                D
Name of Insurer                                      Age      Male    Female    Male   Female   Male   Female    Male   Female


Order of United Commercial            Under 65, Disabled      315        315     -         -     -          -     -         -
Travelers of America                                  65      228        228     -         -     -          -     -         -
                                                      70      262        262     -         -     -          -     -         -
www.uct.org                                           75      291        291     -         -     -          -     -         -
1-800-848-0123                                        80      315        315     -         -     -          -     -         -

                           Counties: Cochise       Mohave      Pima       Yavapai
                                      Under 65, Disabled      346        346     -         -     -          -     -         -
                                                      65      250        250     -         -     -          -     -         -
                                                      70      288        288     -         -     -          -     -         -
                                                      75      320        320     -         -     -          -     -         -
                                                      80      346        346     -         -     -          -     -         -

                           Counties: Maricopa
                                      Under 65, Disabled      346        346     -         -     -          -     -         -
                                                      65      250        250     -         -     -          -     -         -
                                                      70      288        288     -         -     -          -     -         -
                                                      75      320        320     -         -     -          -     -         -
                                                      80      346        346     -         -     -          -     -         -

                           Counties: Pinal     Yuma

PacifiCare Life Assurance                             65      121        121     -         -    171        171    -         -
Company                                               70      132        132     -         -    187        187    -         -
                                                      75      148        148     -         -    208        208    -         -
www.SecureHorizons.com                                80      158        158     -         -    224        224    -         -
1-800-768-1479
                    Counties: Cochise              Mohave      Yavapai         Yuma
                                                      65      142        142     -         -    200        200    -         -
                                                      70      154        154     -         -    219        219    -         -
                                                      75      172        172     -         -    245        245    -         -
                                                      80      184        184     -         -    261        261    -         -

                           Counties: Maricopa       Pima     Pinal




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
28
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -          -        -          -        -          -     -         -      -          -       -           -       -         -     -           -
179        156      217        188      180        157    -         -      -          -       -           -       -         -     -           -
211        183      248        216      212        185    -         -      -          -       -           -       -         -     -           -
231        201      268        233      233        203    -         -      -          -       -           -       -         -     -           -
242        211      276        240      244        212    -         -      -          -       -           -       -         -     -           -



 -          -        -          -        -          -     -         -      -          -       -           -       -         -     -           -
230        200      278        242      232        202    -         -      -          -       -           -       -         -     -           -
271        235      319        277      273        237    -         -      -          -       -           -       -         -     -           -
297        258      344        300      300        261    -         -      -          -       -           -       -         -     -           -
311        271      354        308      314        273    -         -      -          -       -           -       -         -     -           -



 -          -        -          -        -          -     -         -      -          -       -           -       -         -     -           -
179        156      217        188      180        157    -         -      -          -       -           -       -         -     -           -
211        183      248        216      212        185    -         -      -          -       -           -       -         -     -           -
231        201      268        233      233        203    -         -      -          -       -           -       -         -     -           -
242        211      276        240      244        212    -         -      -          -       -           -       -         -     -           -



 -           -      188        188      146        146    -         -      -          -      185        185       -         -     -           -
 -           -      206        206      159        159    -         -      -          -      202        202       -         -     -           -
 -           -      229        229      180        180    -         -      -          -      225        225       -         -     -           -
 -           -      245        245      190        190    -         -      -          -      240        240       -         -     -           -



 -           -      220        220      171        171    -         -      -          -      216        216       -         -     -           -
 -           -      241        241      185        185    -         -      -          -      236        236       -         -     -           -
 -           -      268        268      208        208    -         -      -          -      263        263       -         -     -           -
 -           -      287        287      222        222    -         -      -          -      281        281       -         -     -           -




       - means the plan is not offered


                                                                                                                                              29
                                                    Your             A                B                  C                D
Name of Insurer                                      Age      Male   Female    Male    Female     Male   Female    Male   Female


Pennsylvania Life Insurance                           65      175        158   242        219     267        242   253        229
Company ф                                             70      196        177   273        247     300        271   286        259
                                                      75      213        193   300        271     328        297   315        285
www.pennlife.com                                      80      225        203   320        290     349        316   337        306
1-800-275-7366
                           Counties: Cochise       Maricopa     Mohave         Pima       Pinal    Yuma
                                                      65      143        130   198        179     219        198   207        187
                                                      70      160        145   223        202     245        222   234        212
                                                      75      174        158   245        222     268        242   258        233
                                                      80      184        166   262        237     286        259   276        250

                           Counties: Yavapai

Physicians Life Insurance                             65      117        117   139        139      -          -     -          -
Company                                               70      127        127   153        153      -          -     -          -
                                                      75      136        136   165        165      -          -     -          -
www.physiciansmutual.com                              80      143        143   182        182      -          -     -          -
1-800-228-9100
                    Counties: Cochise              Maricopa     Pima       Pinal      Yuma
                                                      65      112        112   132        132      -          -     -          -
                                                      70      122        122   146        146      -          -     -          -
                                                      75      130        130   158        158      -          -     -          -
                                                      80      137        137   174        174      -          -     -          -

                           Counties: Mohave
                                                      65      101        101   120        120      -          -     -          -
                                                      70      111        111   133        133      -          -     -          -
                                                      75      118        118   143        143      -          -     -          -
                                                      80      124        124   158        158      -          -     -          -

                           Counties: Yavapai




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
30
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -           -      289        262      254        231    -         -      -          -       -           -       -         -     -           -
 -           -      324        293      286        260    -         -      -          -       -           -       -         -     -           -
 -           -      354        321      312        284    -         -      -          -       -           -       -         -     -           -
 -           -      377        341      333        302    -         -      -          -       -           -       -         -     -           -



 -           -      236        214      208        189    -         -      -          -       -           -       -         -     -           -
 -           -      265        240      208        213    -         -      -          -       -           -       -         -     -           -
 -           -      290        262      256        233    -         -      -          -       -           -       -         -     -           -
 -           -      308        279      272        247    -         -      -          -       -           -       -         -     -           -



 -           -      264        264      217        217    -         -      -          -       -           -       -         -     -           -
 -           -      264        264      217        217    -         -      -          -       -           -       -         -     -           -
 -           -      264        264      217        217    -         -      -          -       -           -       -         -     -           -
 -           -      264        264      217        217    -         -      -          -       -           -       -         -     -           -



 -           -      252        252      207        207    -         -      -          -       -           -       -         -     -           -
 -           -      252        252      207        207    -         -      -          -       -           -       -         -     -           -
 -           -      252        252      207        207    -         -      -          -       -           -       -         -     -           -
 -           -      250        250      206        206    -         -      -          -       -           -       -         -     -           -



 -           -      228        228      188        188    -         -      -          -       -           -       -         -     -           -
 -           -      228        228      188        188    -         -      -          -       -           -       -         -     -           -
 -           -      228        228      188        188    -         -      -          -       -           -       -         -     -           -
 -           -      228        228      188        188    -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                              31
                                                    Your             A                   B                C                D
Name of Insurer                                      Age      Male    Female      Male   Female    Male   Female    Male   Female


Provident American Life and                           65      212        185       -          -     -          -    230        200
Health Insurance Company                              70      240        208       -          -     -          -    262        228
                                                      75      266        232       -          -     -          -    290        253
www.palhic.com                                        80      280        244       -          -     -          -    306        266
1-866-459-4272
                           Counties: Cochise       Mohave      Pima       Yavapai
                                                      65      236        205       -          -     -          -    256        222
                                                      70      266        232       -          -     -          -    291        253
                                                      75      296        257       -          -     -          -    323        281
                                                      80      311        271       -          -     -          -    340        296

                           Counties: Maricopa       Pinal    Yuma

Reserve National Insurance                            65       89         89   143           143   173        173   123        123
Company                                               70      100        100   160           160   197        197   144        144
                                                      75      112        112   177           177   222        222   167        167
www.reservenational.com                               80      126        126   198           198   249        249   187        187
1-800-654-9106
                    Statewide Rates

Royal Neighbors of America                            65      134        117   148           129   178        154   143        125
                                                      70      151        131   169           147   198        172   164        142
                                                      75      165        143   187           162   216        188   181        157
www.royalneighbors.org                                80      175        152   201           175   233        202   196        171
1-877-217-4040
                    Counties: Cochise              Mohave      Pima       Pinal
                                                      65      172        150   191           166   228        198   184        160
                                                      70      194        169   217           189   255        222   210        183
                                                      75      211        184   240           208   278        242   233        202
                                                      80      225        195   259           225   299        260   252        219

                           Counties: Maricopa
                                                      65      115        100   127           111   152        132   123        107
                                                      70      129        113   145           126   170        148   140        122
                                                      75      141        123   160           139   186        161   155        135
                                                      80      150        130   173           150   200        174   168        146

                           Counties: Yavapai       Yuma




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
32
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -           -      256        222       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      291        253       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      323        281       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      340        296       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      284        247       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      323        281       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      359        312       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      378        328       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      206        206       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      235        235       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      263        263       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      294        294       -          -     -         -      -          -       -           -       -         -     -           -



150        131      183        159      147        128    -         -      -          -       -           -       -         -     -           -
171        149      204        178      168        146    -         -      -          -       -           -       -         -     -           -
189        165      223        194      186        162    -         -      -          -       -           -       -         -     -           -
205        178      240        208      201        175    -         -      -          -       -           -       -         -     -           -



193        168      235        204      189        165    -         -      -          -       -           -       -         -     -           -
220        191      263        229      216        188    -         -      -          -       -           -       -         -     -           -
243        212      287        250      239        208    -         -      -          -       -           -       -         -     -           -
264        229      308        268      259        225    -         -      -          -       -           -       -         -     -           -



128        112      157        136      126        110    -         -      -          -       -           -       -         -     -           -
147        128      175        152      144        125    -         -      -          -       -           -       -         -     -           -
162        141      191        166      159        139    -         -      -          -       -           -       -         -     -           -
176        153      206        179      172        150    -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                              33
                                                    Your             A                 B                C                D
Name of Insurer                                      Age      Male   Female     Male   Female    Male   Female    Male   Female


Standard Life and Accident                            65      112         99    137        122   157        141   126        115
Insurance Company                                     70      123        108    153        137   176        157   133        121
                                                      75      133        117    171        154   196        177   144        133
www.slaico.com                                        80      134        120    178        164   205        189   154        145
1-888-350-1488
                           Counties: Cochise       Yavapai
                                                      65      117        104    144        129   166        148   132        121
                                                      70      129        114    161        144   186        165   140        128
                                                      75      140        124    180        162   207        186   151        140
                                                      80      141        126    187        173   216        199   162        152

                           Counties: Maricopa       Pima     Pinal       Yuma
                                                      65      135        120    165        148   190        170   152        140
                                                      70      148        131    185        165   213        190   160        147
                                                      75      161        142    207        186   238        214   174        161
                                                      80      163        145    216        199   248        228   186        175

                           Counties: Mohave

State Farm Mutual Automobile                          65      109        109     -          -    165        165    -          -
Insurance Company                                     70      127        127     -          -    191        191    -          -
                                                      75      140        140     -          -    211        211    -          -
www.statefarm.com                                     80      148        148     -          -    223        223    -          -
1-866-855-1212
                           Counties: Cochise       Mohave      Yavapai         Yuma
                                                      65      114        114     -          -    171        171    -          -
                                                      70      132        132     -          -    198        198    -          -
                                                      75      146        146     -          -    220        220    -          -
                                                      80      154        154     -          -    232        232    -          -

                           Counties: Maricopa       Pima     Pinal




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
34
       E                   F                   G                H               I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


123        110      158        142      126        116    -         -      -          -       -           -       -         -     -           -
126        113      177        158      133        122    -         -      -          -       -           -       -         -     -           -
133        120      198        178      144        134    -         -      -          -       -           -       -         -     -           -
138        128      206        190      154        145    -         -      -          -       -           -       -         -     -           -



130        116      167        149      133        122    -         -      -          -       -           -       -         -     -           -
133        119      187        166      140        128    -         -      -          -       -           -       -         -     -           -
140        127      208        187      152        141    -         -      -          -       -           -       -         -     -           -
145        135      217        200      162        153    -         -      -          -       -           -       -         -     -           -



149        134      192        171      153        140    -         -      -          -       -           -       -         -     -           -
153        137      215        191      161        148    -         -      -          -       -           -       -         -     -           -
161        146      239        215      175        162    -         -      -          -       -           -       -         -     -           -
167        155      249        230      187        176    -         -      -          -       -           -       -         -     -           -



 -           -      167        167       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      193        193       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      213        213       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      226        226       -          -     -         -      -          -       -           -       -         -     -           -



 -           -      173        173       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      201        201       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      222        222       -          -     -         -      -          -       -           -       -         -     -           -
 -           -      235        235       -          -     -         -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                              35
                                                    Your             A                   B                  C                D
Name of Insurer                                      Age      Male    Female      Male   Female      Male   Female    Male   Female


Sterling Investors Life Insurance                     65      100         87   109            95     133        116   102         89
Company ф                                             70      109         94   118           103     140        122   111         97
                                                      75      123        107   134           116     155        135   126        110
www.sterlinginvestors.com                             80      132        115   144           125     163        142   136        118
1-877-344-9784
                    Counties: Cochise              Mohave      Pima       Pinal     Yavapai          Yuma
                                                      65      110         96   120           104     146        127   113         98
                                                      70      119        104   130           113     154        134   122        106
                                                      75      135        117   147           128     170        148   139        121
                                                      80      145        126   158           138     179        156   150        130

                           Counties: Maricopa

Sterling Life Insurance Company       Under 65, Disabled      354        354    -             -       -          -     -          -
                                                      65      157        157   192           192     208        208    -          -
                                                      70      174        174   214           214     234        234    -          -
www.sterlingplans.com                                 75      185        185   230           230     256        256    -          -
1-800-688-0010                                        80      191        191   240           240     274        274    -          -

                           Counties: Cochise       Maricopa     Mohave         Pima          Pinal    Yuma
                                      Under 65, Disabled      354        354    -             -       -          -     -          -
                                                      65      153        153   191           191     204        204    -          -
                                                      70      168        168   213           213     230        230    -          -
                                                      75      179        179   229           229     253        253    -          -
                                                      80      185        185   239           239     271        271    -          -

                           Counties: Yavapai

Sterling Life Insurance Company                       65      144        144   147           147     164        164    -          -
(SELECT)                                              70      158        158   162           162     183        183    -          -
                                                      75      167        167   172           172     199        199    -          -
www.sterlingplans.com                                 80      172        172   177           177     211        211    -          -
1-800-688-0010
                    Counties: Cochise              Maricopa     Pima

Thrivent Financial for Lutherans                      65      142        142   167           167     215        215   181        181
                                                      70      156        156   183           183     237        237   198        198
                                                      75      168        168   197           197     255        255   213        213
www.thrivent.com                                      80      177        177   209           209     271        271   227        227
1-800-847-4836
                           Statewide Rates


        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
36
       E                   F                   G                H                I                   J                   K                L
Male       Female   Male       Female   Male   Female    Male   Female    Male       Female   Male       Female   Male   Female    Male       Female


107         93      145        126       95         48    -          -      -          -       -           -       -          -     -           -
116        101      156        136      103         89    -          -      -          -       -           -       -          -     -           -
132        115      175        152      117        101    -          -      -          -       -           -       -          -     -           -
142        124      188        163      125        109    -          -      -          -       -           -       -          -     -           -



118        102      160        139      104         90    -          -      -          -       -           -       -          -     -           -
128        111      172        149      113         98    -          -      -          -       -           -       -          -     -           -
145        126      193        168      128        111    -          -      -          -       -           -       -          -     -           -
156        136      206        179      138        120    -          -      -          -       -           -       -          -     -           -



 -           -       -          -        -          -     -          -      -          -       -           -       -          -     -           -
 -           -      203        178      194        171    -          -      -          -       -           -       93         85    -           -
 -           -      228        200      218        192    -          -      -          -       -           -      105         96    -           -
 -           -      250        219      238        210    -          -      -          -       -           -      115        105    -           -
 -           -      267        235      255        225    -          -      -          -       -           -      123        112    -           -



 -           -       -          -        -          -     -          -      -          -       -           -       -          -     -           -
 -           -      200        176      190        168    -          -      -          -       -           -       93         85    -           -
 -           -      225        198      214        188    -          -      -          -       -           -      104         95    -           -
 -           -      246        217      234        206    -          -      -          -       -           -      114        105    -           -
 -           -      263        232      251        221    -          -      -          -       -           -      123        112    -           -



 -           -      162        141      153        133    -          -      -          -       -           -       70         62    -           -
 -           -      181        158      170        149    -          -      -          -       -           -       78         69    -           -
 -           -      196        171      185        162    -          -      -          -       -           -       85         75    -           -
 -           -      208        182      196        172    -          -      -          -       -           -       90         80    -           -



 -           -      216        216       -          -    243        243   248        248       -           -       -          -    134        134
 -           -      238        238       -          -    267        267   273        273       -           -       -          -    147        147
 -           -      256        256       -          -    289        289   294        294       -           -       -          -    158        158
 -           -      272        272       -          -    306        306   312        312       -           -       -          -    168        168




       - means the plan is not offered


                                                                                                                                                37
                                                    Your             A                B                  C                D
Name of Insurer                                      Age      Male   Female    Male   Female      Male   Female    Male   Female


Transamerica Life Insurance                           65       86         86   108        108     125        125   124        124
Company ‡                                             70      108        108   137        137     158        158   156        156
                                                      75      138        138   173        173     198        198   196        196
                                                      80      179        179   225        225     258        258   255        255
1-800-752-9797
                           Statewide Rates

UniCare Life and Health Insurance                     65      105        105    -          -       -          -     -          -
Company                                               70      121        121    -          -       -          -     -          -
                                                      75      140        140    -          -       -          -     -          -
www.unicare.com                                       80      157        157    -          -       -          -     -          -
1-800-543-0675
                           Counties: Cochise       Maricopa     Mohave         Pima       Pinal    Yuma
                                                      65       96         96    -          -       -          -     -          -
                                                      70      112        112    -          -       -          -     -          -
                                                      75      129        129    -          -       -          -     -          -
                                                      80      146        146    -          -       -          -     -          -

                           Counties: Yavapai

United American Insurance             Under 65, Disabled       -          -    421        421      -          -     -          -
Company                                               65      129        129   235        235     255        255   254        254
                                                      70      140        140   256        256     279        279   278        278
www.unitedamerican.com                                75      140        140   257        257     288        288   287        287
1-800-331-2512                                        80      140        140   257        257     292        292   291        291

                           Statewide Rates

United of Omaha Life Insurance                        65       70        65     -          -       -          -     -          -
Company ф                                             70       85        75     -          -       -          -     -          -
                                                      75       96        83     -          -       -          -     -          -
www.mutualofomaha.com                                 80      100        90     -          -       -          -     -          -
1-800-865-2674
                    Statewide Rates




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
38
       E                   F                   G                H                I                   J                   K                L
Male       Female   Male       Female   Male   Female    Male   Female    Male       Female   Male       Female   Male   Female    Male       Female


129        129      140        140      132        132   125        125   127        127      130        130       -          -     -           -
163        163      177        177      165        165   159        159   162        162      164        164       -          -     -           -
204        204      221        221      207        207   199        199   202        202      206        206       -          -     -           -
264        264      286        286      268        268   258        258   262        262      266        266       -          -     -           -



 -           -      150        150       -          -     -          -      -          -       -           -       -          -     -           -
 -           -      173        173       -          -     -          -      -          -       -           -       -          -     -           -
 -           -      200        200       -          -     -          -      -          -       -           -       -          -     -           -
 -           -      241        241       -          -     -          -      -          -       -           -       -          -     -           -



 -           -      138        138       -          -     -          -      -          -       -           -       -          -     -           -
 -           -      161        161       -          -     -          -      -          -       -           -       -          -     -           -
 -           -      185        185       -          -     -          -      -          -       -           -       -          -     -           -
 -           -      223        223       -          -     -          -      -          -       -           -       -          -     -           -



 -           -       -          -        -          -     -          -      -          -       -           -       -          -     -          -
 -           -      232        232      255        255    -          -      -          -       -           -      140        122   197        171
 -           -      254        254      281        281    -          -      -          -       -           -      154        134   216        188
 -           -      262        262      289        289    -          -      -          -       -           -      159        138   223        194
 -           -      265        265      294        294    -          -      -          -       -           -      162        141   228        199



 -           -      101         93       86         79    -          -      -          -       -           -       -          -     -           -
 -           -      122        107      104         92    -          -      -          -       -           -       -          -     -           -
 -           -      138        120      117        102    -          -      -          -       -           -       -          -     -           -
 -           -      144        129      123        111    -          -      -          -       -           -       -          -     -           -




       - means the plan is not offered


                                                                                                                                                39
                                                    Your             A                    B                  C                D
Name of Insurer                                      Age      Male   Female      Male     Female      Male   Female    Male   Female


United Teacher Associates                             65      199        181     224          204     255        232   237        216
Insurance Company                                     70      214        195     242          220     275        250   260        237
                                                      75      243        221     278          253     318        289   290        264
www.utainteractive.com                                80      261        237     303          276     351        319   343        312
1-800-880-8824
                    Counties: Cochise              Maricopa     Mohave          Pima          Pinal    Yuma
                                                      65      161        147     182          165     206        188   192        175
                                                      70      174        158     197          178     222        202   211        192
                                                      75      196        179     225          204     258        234   235        214
                                                      80      211        192     246          223     284        258   278        253

                           Counties: Yavapai

United World Life Insurance                           65       89         78     108           95      -          -     -          -
Company                                               70      107         93     130          114      -          -     -          -
                                                      75      117        102     142          124      -          -     -          -
www.mutualofomaha.com                                 80      123        107     150          130      -          -     -          -
1-800-366-3298
                    Statewide Rates

UnitedHealthcare Insurance    Under 65, Disabled              113        113     177          177     201        201   186        186
Company/AARP NOTE: Disabled                   65               66         66     103          103     118        118   109        109
policies ages 50-64 only. ф ₪                 70              103        103     161          161     183        183   169        169
www.aarphealthcare.com                                75      113        113     177          177     201        201   186        186
1-800-523-5800                                        80      113        113     177          177     201        201   186        186

                           Statewide Rates

UnitedHealthcare Insurance                            65        -         -           -        -       92         92    -          -
Company/AARP (SELECT) ф ₪                             70        -         -           -        -      143        143    -          -
                                                      75        -         -           -        -      158        158    -          -
www.aarphealthcare.com                                80        -         -           -        -      158        158    -          -
1-800-523-5800
                    Counties: Cochise              Maricopa     Pima          Pinal

USAA Life Insurance Company                           65      101        101          -        -       -          -    130        130
                                                      70      109        109          -        -       -          -    140        140
                                                      75      116        116          -        -       -          -    148        148
www.usaa.com                                          80      121        121          -        -       -          -    155        155
1-800-531-8722
                           Statewide Rates


        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
40
       E                   F                   G                H                I                   J                   K               L
Male       Female   Male       Female   Male   Female    Male   Female    Male       Female   Male       Female   Male   Female   Male       Female


 -           -      256        233      239        217    -          -      -          -       -           -       -         -     -           -
 -           -      276        251      263        239    -          -      -          -       -           -       -         -     -           -
 -           -      319        290      293        267    -          -      -          -       -           -       -         -     -           -
 -           -      352        320      341        310    -          -      -          -       -           -       -         -     -           -



 -           -      207        188      193        176    -          -      -          -       -           -       -         -     -           -
 -           -      223        203      213        193    -          -      -          -       -           -       -         -     -           -
 -           -      259        235      237        216    -          -      -          -       -           -       -         -     -           -
 -           -      285        259      276        251    -          -      -          -       -           -       -         -     -           -



 -           -      143        125      113         98    -          -      -          -       -           -       -         -     -           -
 -           -      172        150      136        118    -          -      -          -       -           -       -         -     -           -
 -           -      188        162      148        129    -          -      -          -       -           -       -         -     -           -
 -           -      198        172      156        136    -          -      -          -       -           -       -         -     -           -



187        187      203        203      188        188   193        193   197        197      223        223       -         -     -          -
109        109      119        119      110        110   113        113   116        116      131        131       48        48    70         70
170        170      185        185      171        171   175        175   179        179      203        203       76        76   110        110
187        187      203        203      188        188   193        193   197        197      223        223       83        83   120        120
187        187      203        203      188        188   193        193   197        197      223        223       83        83   120        120



 -           -       -           -       -          -     -          -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -          -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -          -      -          -       -           -       -         -     -           -
 -           -       -           -       -          -     -          -      -          -       -           -       -         -     -           -



 -           -      129        129      133        133    -          -      -          -       -           -       -         -     -           -
 -           -      139        139      144        144    -          -      -          -       -           -       -         -     -           -
 -           -      148        148      153        153    -          -      -          -       -           -       -         -     -           -
 -           -      154        154      159        159    -          -      -          -       -           -       -         -     -           -




       - means the plan is not offered


                                                                                                                                               41
                                                    Your             A                B               C                D
Name of Insurer                                      Age      Male   Female    Male   Female   Male   Female    Male   Female


Western Mutual Insurance                              65        69        69    -         -    167        167    -         -
Company ‡ ₪                                           70        69        69    -         -    167        167    -         -
                                                      75        69        69    -         -    167        167    -         -
www.westernmutualinsurance.com                        80        69        69    -         -    167        167    -         -
1-800-748-5340
                    Statewide Rates

World Corp Insurance Company                          65      111        102    -         -     -          -     -         -
                                                      70      136        123    -         -     -          -     -         -
                                                      75      161        142    -         -     -          -     -         -
                                                      80      184        159    -         -     -          -     -         -
1-800-822-9993
                           Counties: Cochise       Yavapai
                                                      65      123        114    -         -     -          -     -         -
                                                      70      151        136    -         -     -          -     -         -
                                                      75      178        158    -         -     -          -     -         -
                                                      80      204        176    -         -     -          -     -         -

                           Counties: Maricopa       Mohave      Pinal      Yuma
                                                      65      118        108    -         -     -          -     -         -
                                                      70      144        130    -         -     -          -     -         -
                                                      75      170        151    -         -     -          -     -         -
                                                      80      195        169    -         -     -          -     -         -

                           Counties: Pima




        ф means the insurer offers a marital discount
        ‡ means the insurer does not offer "cross-over" claim service (see glossary, page 5)
        ₪ means the insurer uses community rating rather than issue age rating (see glossary, page 5)
42
       E                   F                   G               H               I                   J                   K               L
Male       Female   Male       Female   Male   Female   Male   Female   Male       Female   Male       Female   Male   Female   Male       Female


 -           -       -           -       -         -     -         -      -          -      195        195       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      195        195       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      195        195       -         -     -           -
 -           -       -           -       -         -     -         -      -          -      195        195       -         -     -           -



 -           -      173        159       -         -     -         -      -          -       -           -       -         -     76         70
 -           -      212        191       -         -     -         -      -          -       -           -       -         -     93         84
 -           -      250        221       -         -     -         -      -          -       -           -       -         -    110         97
 -           -      286        248       -         -     -         -      -          -       -           -       -         -    126        109



 -           -      191        176       -         -     -         -      -          -       -           -       -         -     84         78
 -           -      235        212       -         -     -         -      -          -       -           -       -         -    103         93
 -           -      277        245       -         -     -         -      -          -       -           -       -         -    122        108
 -           -      318        275       -         -     -         -      -          -       -           -       -         -    140        121



 -           -      183        169       -         -     -         -      -          -       -           -       -         -     80         74
 -           -      224        203       -         -     -         -      -          -       -           -       -         -     99         89
 -           -      265        234       -         -     -         -      -          -       -           -       -         -    117        103
 -           -      303        262       -         -     -         -      -          -       -           -       -         -    133        115




       - means the plan is not offered


                                                                                                                                             43
     NOTES




44
                        Helpful Arizona Resources
To order Medicare-related literature,              To learn about programs that may help
obtain general information about                   pay medical bills for people with low
Medicare,      Medicare plans     and              income, call:
Prescription Drug benefits, call:
                                                   Arizona Health Care Cost Containment
1-800-Medicare (1-800-633-4227) or visit           System (AHCCCS) at 602-417-7100 or
         www.medicare.gov                            toll free at 1-800-654-8713 (outside
                                                               Maricopa County)
For help with buying a Medicare
Supplement policy, dealing with payment            For questions or help in applying for
appeals, complaints about your care or             Medicare, a lost Medicare card, or social
Medicare bills, call:                              security benefits, call:

   State Health Insurance Assistance               Social Security Administration toll free
       Program (SHIP) toll free at                           at 1-800-772-1213
            1-800-432-4040
                                                   For assistance with a Medicare
For questions about medical bills or               Supplement insurance company or
services related to your Medicare Part A           insurance agent, or any other type of
benefits (hospital, skilled nursing facilities),   insurance, call:
or your Medicare Part B benefits call:
                                                    Arizona Department of Insurance in
    1-800-Medicare (1-800-633-4227)                Phoenix at 602-364-2499, or toll free at
                                                          1-800-325-2548, or visit
       or visit www.medicare.gov
                                                          www.azinsurance.gov
To complain about the quality of medical
care you received or about early discharge
from the hospital, call:

    Health Services Advisory Group
      toll free at 1-800-359-9909



                                             Notes
  The Arizona Department of Insurance does not recommend or endorse any
  particular insurance company or product.

  This publication is provided as a guide to assist you in shopping for Medicare
  Supplement insurance.
  This guide was produced and distributed with the help of the Arizona State Health
  Insurance Assistance Program, part of the Division of Aging and Adult Services in
  the Arizona Department of Economic Security.


                                                                                         45
Arizona Department of Insurance
2910 North 44th Street, Suite 210
Phoenix, Arizona 85018
(602) 364-2499
www.azinsurance.gov




The Arizona Department of Insurance is an Equal Employment Opportunity agency that complies with the Americans with
disabilities Act ("ADA") and the Arizonans with Disabilities Act. Persons with disabilities may request that materials be presented
in an alternative format by contacting the ADA Coordinator at (602) 364-3100. Requests should be made as early as possible to
allow time to procure the materials in an alternate format.

                                                    Published January 2010
                                                Arizona Department of Insurance

				
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Description: Med Supp Premium Comparison