1_LTC Rate Increases Publish

IowaInsuranceDivision(IID)

IowaRateIncreaseHistory Since2005(LongTermCarePolicyForms‐‐LTC)

Closed

CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

7/15/2024JohnHancockLifeInsuranceCom pany CustomCareIIIwithBenef itBuilder(2014)Gender‐Disti nct

{ICC12‐LTC‐12}ThisisanNAICCompactRat eRe view‐‐NAIC Compactrat e

reviews<=15%ar eautomaticallyacceptedbyCompactingstateslikeIowa.

15.00% 15.00%15.00%7/15/2024

6/27/2024CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC‐‐ThisisNO Tarat eincrease,butrat herupdatedprojec tions

relatedtoapreviousratefiling.

0.00% 0.00%0.00%6/27/2024

6/27/2024CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP(IA)‐‐ThisisNOTarateincr e a se,butratherupdated

projectionsrelatedtoapreviousratefiling.

0.00% 0.00%0.00%6/27/2024

6/13/2024PrincipalLifeInsuranceCom pany FormsFR142,FR601 ‐‐IIDandINSnegotiatedtheproposal:Limited@23.2%

and2‐yearphaseofunlimit ed@17.9%foryear1followedby8.65%foryear2

27.20% 17.90%17.90%

6/13/2024PrincipalLifeInsuranceCom pany FR1240andFR406IA‐1‐‐ IIDandINSnegotiatedtheproposal:Limited@

23.2%and2‐yearphaseofunlimit ed@17.9%fo r year1followedby11.28%

foryear2

29.40% 17.90%17.90%

6/12/2024MetropolitanLifeInsuranceCompany

FormLT C ‐FAC‐IA(V IP1),LT C ‐VAL‐IA,LT C ‐IDEAL‐IA,LT C ‐PREM‐IA‐‐

TheIIDandINSnegotiatedthisproposaldownfrom89.4%(asfiled)downto

17.9%foryear1followedby17.9%foryear2=39%spreadover2‐years.

89.40% 17.90%17.90%

5/31/2024MetropolitanLifeInsuranceCompany TCL‐LTC.04(IA)Ed.4/00etal‐‐

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoa

previousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/23/2024Cat holicOrderofForesters FCLTC‐IA‐‐ Thi sisNOTarateincr ease,butratherupdatedprojec tionsrelated

toapreviousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/2/2024Massac h usettsMutualLifeInsuranceCom pany FormMM500‐P‐2‐IA‐‐ThisisNO Tarateincr ease,butrat her—updated

projectionsrelatedtoapreviousratefling.

0.00% 0.00%0.00%

4/29/2024MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LTC 2007 ‐IA‐‐ ThisisNOTarateincr ease,butrather—

updatedprojec tionsrelatedtoapreviousratefling.

0.00% 0.00%0.00%

4/23/2024NewYor kLifeInsuranceCompany FormsILTC‐5000(IA)(1001)‐‐ThisisNOTarateincrease,butrather—updated

projectionsrelatedtoapreviousratefling.

0.00% 0.00%0.00%4/23/2024

4/11/2024PrudentialInsuranceCompanyofAmerica FormGR P83500COV5022‐‐  IIDandINSnegotiatedtheoriginal20%

proposaldownto10%.

20.00% 10.00%10.00%

Wednes day,July31,2024 Page1of61

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

4/11/2024PrudentialInsuranceCompanyofAmerica FormGRP113290‐‐ previouslywithdrawnaton e point‐‐ZEROIowalosses.

IID/INSmodifiedthisproposalfrom7.4%asfileddownto4.2%bylimit ingthe

maxcellsto5%

7.40% 4.20%4.20%

4/11/2024PrudentialInsuranceCompanyofAmerica GRP112202||FormILTC‐2 ‐‐ IID/INSmodifiedthisproposalfrom21.9%as

filed{subjectto0%min_71.9%max} downto17 % maxcells=9.7%overall

AVG.

21.90% 9.70%9.70%

4/11/2024PrudentialInsuranceCompanyofAmerica GRP113290||FormILTC‐3 ‐‐ IID/INSmodifiedthisproposalfrom9.9%as

filed{subjectto0%min_33.33%max} downto7.1%bylimitingthemaxcells

to17%

9.90% 7.10%7.10%

4/11/2024PrudentialInsuranceCompanyofAmerica GRP99183||FormILTC‐1 ‐‐IID/INSmodifiedthisproposalfrom34.7%asfiled

{subjec tto0%min_89.4%max}downto17.9%foryear1followedby10.26%

foryear2.Thisproducesanoverallav erageof20.70%over2‐years.

34.70% 17.90%17.90%

4/8/2024Bank ersLifeandCasualtyCom pany FormGR‐N400,N410 ‐‐ IID/INSmodifiedtheproposalfrom52.8%(asfiled)

downdownto9.46%average(0%minimum,9.9%maximum)

52.80% 9.46%9.46%7/1/2024

2/27/2024MetropolitanLifeInsuranceCompany AARPLTCratefilingforgrouplongtermcare‐‐situsedinWashingto nD.C.‐‐IID

hasnoaut horityandwillacceptD.C.ratesrev iew.

7.38% 7.38%Proposalwas*filed*byIID

2/16/2024MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LSAOld_rates ‐‐ Thisisnotarateincrease,butratheran

updatedprojec tiononapreviouslyapprovedfiling.

0.00% 0.00%Proposalwas*filed*byIID

2/16/2024MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐

Thisisnotarateincr ease,butratheranupdat edprojec tiononapreviously

approvedfiling.

0.00% 0.00%Proposalwas*filed*byIID

2/13/2024MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐

theIIDandINSmodifiedthisproposalfrom31.99%(asfiled)downto17.9%for

year1followedby10.26%foryear2=30%ov er2‐years

31.99% 17.90%17.90%

2/1/2024MetropolitanLifeInsuranceCompany 1LTC‐97&2LTC‐97‐‐theIIDandINSmodifiedthisproposalfrom48.51%(as

filed)downto17.9%foryear1followedby10.26%foryear2=30%over2‐

years

48.51% 17.90%17.90%

2/1/2024MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LSAOld_rates

‐‐IIDandINSmodifiedthisproposalfrom81.28%(asfiled)downto17.9%

81.28% 17.90%17.90%

1/26/2024AllianzLifeInsuranceCompanyofNorthAmerica FormN‐2000‐P(Group1),N‐2720‐P‐IA,N‐2721‐P‐IA,N‐2720‐P‐IA (Q),N‐2720‐P‐

IA(NQ),N‐2721‐P‐IA (Q),N‐2721‐P‐IA(NQ),N‐2350‐P,N‐3000‐P‐IA (Q),N‐3000‐P‐

IA(NQ)et al‐IID/INSMODto29.6%measuredover2‐years(17.9%Yr1

followedby10.26%Yr 2)

50.00% 17.90%17.90%

21.95% 8.59%AveragerateincreaseofLTCfilingsforCY2024===>>>>

Wednes day,July31,2024 Page2of61

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

12/28/2023AllianzLifeInsuranceCompanyofNorthAmerica Form10‐P‐Q‐IA(Group3) ‐‐ ThisisNOTarat eincrease,butratheranupdated

projectionofexperi encerelatedtoapreviousra t efiling.

0.00% 0.00%0.00%

12/28/2023AllianzLifeInsuranceCompanyofNorthAmerica Form11‐P‐Q‐IA‐‐ThisisNOTarateincrease,bu t ratheranupdatedprojection

ofexperi encerelatedtoapreviousratefiling.

0.00% 0.00%0.00%

12/20/2023StateFarmMut ualAutomobileInsuranceCompany Form97059IA ‐‐ThisisNOTarateincrease,butratheranupdatedprojection

ofexperi encerelatedtoapreviousratefiling.

0.00% 0.00%0.00%

12/15/2023ContinentalCasualtyCompany FormsP1‐43636‐A,SR‐LTCP‐Series‐‐ IIDandINSmodifiedtheoriginalproposal

of62.40%(AVGasfiled)downto30.5%AVGspreadover2‐years

62.40% 17.90%17.90%

12/8/2023CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC‐‐Thisrateincr easewillbephasedinover3‐years:7.4%on8‐1‐

2024followedby7.4%on8‐1‐2025followedby7.4%on8‐1‐2026

23.88% 23.88%23.88%8/1/2024

12/7/2023JohnHancockLifeInsuranceCompany FormsLTC‐91,LTC‐03IA(2007)etal‐‐ThisisNO T arateincr ease,butrather

anupdatedprojectionofexperiencefor3block sofpolicies

0.00% 0.00%0.00%

12/6/2023StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐ThisisNOTarateincrease,butratheranupdatedprojection

ofexperi encerelatedtoapreviousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

12/5/2023CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP(IA)‐‐Thisrateincr easewillbephasedinover2‐years:

5%on8‐1‐2024followedby5%on8‐1‐2025

10.25% 10.25%10.25%8/1/2024

12/4/2023UNUMLifeInsuranceCom panyof America FormsB.LTC,TQB.LTC,GLTC95andTQGLTC95‐‐TheIIDandINSnegotiatedthis

proposalfrom34.1%asfiledto17.9%

34.10% 17.90%17.90%

11/2/2023GenworthLif eInsuranceCompany Form7046POL ‐IA11/10|| 25.90% 25.90%25.90%

11/2/2023GenworthLif eInsuranceCompany Form7052etal(FlexI) ‐‐Nomodification,excepttheIIDnegotiateda4‐year

phaseof theproposal

132.80

26.90%26.90%

11/2/2023AmericanFamily Mut ualInsuranceCom pany FormH‐350‐‐thisisnotarateincr ease,butratheranupdatedprojectionona

previouslyapprovedfiling.

0.00% 0.00%Proposalwas*filed*byIID

11/2/2023GenworthLif eInsuranceCompany Formseries‐ChoiceII ‐‐7042,7044,7042R EVand7044REV ‐‐‐‐‐‐‐‐‐Non‐AARP

policesonly‐‐Nomodification,excepttheIIDnegotiateda4‐yearphaseofthe

proposal

76.40% 23.45%23.45%

10/24/2023MetropolitanLifeInsuranceCompany S imilartotheextraterritorialrateincr easesonpoliciesresidinginIowaon

groupssitusedinanotherstate‐‐IIDhasgrantedsimilarexemptionsIowa

law/reg.Rateincr easejurisdictionbelongstothe issuingstateforgroup

policies.

12.05% 12.05%Proposal*filed*byIID

9/27/2023MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LSAOld_rates ‐‐ Thisisnotarateincrease,butratheran

updatedprojec tiononapreviouslyapprovedfiling.

0.00% 0.00%Proposalwas*filed*byIID

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

9/27/2023MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐

Thisisnotarateincr ease,butratheranupdat edprojec tiononapreviously

approvedfiling.

0.00% 0.00%Proposalwas*filed*byIID

9/27/2023MetropolitanLifeInsuranceCompany Policy Forms:TaxQualifiedLong‐TermCareInsurancePolicy ‐GPNP99‐LTC‐‐

Thisisnotarateincr ease,butratheranupdat edprojec tiononapreviously

approvedfiling.

0.00% 0.00%Proposalwas*filed*byIID

9/27/2023MetropolitanLifeInsuranceCompany Policy Forms:TaxQualifiedLong‐TermCareInsurancePolicy ‐GPNP99‐LTC‐‐

Thisisnotarateincr ease,butratheranupdat edprojec tiononapreviously

approvedfiling.

0.00% 0.00%Proposalwas*filed*byIID

9/13/2023MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LTC 2007 ‐IA‐‐ LSAnew_rates‐‐IIDandINSmodifiedthe

proposalfrom46.03%(asfiled)downto17.9%foryear1followedby10.26%

foryear2.

46.03% 17.90%17.90%

9/13/2023MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_Old),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐ IID

andINSmodifiedtheproposalfrom44.68%(asfiled)downto17.9%foryear1

followedby10.26%foryear2.

44.68% 17.90%17.90%

9/13/2023Bank ersLifeandCasualtyCompany F ormsGR‐N520,N530,N 540,N550,N570,N580 18.70% 18.70%18.70%

9/7/2023Transamer icaLifeInsuranceCompany IIPRCCOMPACTRateF iling‐‐FormsICC10andTLC‐3( Produc tname=HI377‐

TLICRINC2022UNI2b)

23.12% 23.12%23.12%

9/6/2023ContinentalGeneralInsuranceCompany(F KAUnited Teacher) Forms1LTCGP0001and1LTCGP0008‐‐ IID&INSnegotiatedthisproposalfrom

46%(asfiled)downto17.9%foryear1followedby10.26%foryear2=30%

over2‐years

46.00% 17.90%17.90%

9/6/2023ContinentalGeneralInsuranceCompany Forms806501/97IAand808801/98IA ‐‐ Pro jectname:LTC2RateIncrease

Filing2023‐‐IID/INSmodifiedthisfrom273%(a sfiled)downto17.9%foryear

1followedby17.9%foryear2=39%over2‐years

273.00

17.90%17.90%10/1/2023

9/6/2023ContinentalGen eralInsuranceCom pany Forms820001/01IAand821209/01IA‐‐Projectname:LT C 3 RateIncrease

Filing2023‐‐IID/INSmodifiedthisfrom252%(a sfiled)downto17.9%foryear

1followedby17.9%foryear2=39%over2‐years

252.00

17.90%17.90%10/1/2023

9/6/2023ContinentalGen eralInsuranceCompany FormsL‐6000andLTC‐020201‐‐IID&INSnegotiatedthisproposalfrom62%(as

filed)downto17.9%foryear1followedby10.26%foryear2=30%over2‐

years

62.00% 17.90%17.90%

9/6/2023ContinentalGeneralInsuranceCompany Series1LTCI‐‐1LTCIP0001,1LTCIP 0002 ‐‐IID&INSnegotiatedthisproposalfrom

106%(asfiled)downto17.9%foryear1followedby10.26%foryear2=30%

over2‐years

106.00

17.90%17.90%

9/6/2023ContinentalGeneralInsuranceCompany Series2LTCI ‐‐ 2LTCIP0001‐‐ IID&INSnegotiatedthisproposalfrom109%(as

filed)downto17.9%foryear1followedby10.26%foryear2=30%over2‐

years

109.00

17.90%17.90%

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

9/6/2023ContinentalGeneralInsuranceCompany Series4LTCI ‐‐ 4LTCIP0001,4LTCIP0002 ‐‐ IID&INSnegotiatedthisproposal

from48%(asfiled)downto17.9%foryear1followedby10.26%foryear2=

30%over2‐years

48.00% 17.90%17.90%

9/5/2023ProvidentLifeandAcc identInsuranceCompany FormsR LTC03,RLTCO 03,LTC03,LTCP03&LTCT0‐‐ThisisNOTarateincrease,

butrat herupdatedprojec tionsrelatedtoapreviousfiling

0.00% 0.00%0.00%

8/29/2023ContinentalGeneralInsuranceCompany FormsL‐6000andLTC‐020201‐‐ThisisNOTarateincrease,butratherupdated

projectionsrelatedtoapreviousfiling

0.00% 0.00%0.00%8/29/2023

7/28/2023MetropolitanLifeInsuranceCompany S imilartotheextraterritorialrateincr easesonpoliciesresidinginIowaon

groupssitusedinanotherstate‐‐IIDhasgrantedsimilarexemptionsIowa

law/reg.Rateincr easejurisdictionbelongstothe issuingstateforgroup

policies.

0.00% 0.00%Proposalwas*filed*byIID

7/24/2023CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC‐‐ThisisNO Tarat eincrease,butrat herupdatedprojec tions

relatedtopreviousfilings

0.00% 0.00%Proposalwas*filed*byIID

7/24/2023CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP(IA)‐‐ThisisNOTarateincr e a se,butratherupdated

projectionsrelatedtoapreviousfiling

0.00% 0.00%Proposalwas*filed*byIID

7/21/2023LifeSecureInsuranceCom pany LS‐0002IA07/07‐‐IIDandINSmodifiedthisproposalfr om63.92%(as

originally filed)downto9.97%(AVG)with10%MAXcells

63.92% 9.97%9.97%

6/14/2023Cat holicOrderofForesters FCLTC‐IA‐‐ Thi sisNOTarateincr ease,butratherupdatedprojectionsrelated

toapreviousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

6/1/2023MetropolitanLifeInsuranceCompany 3ratefilingsforgrouplongtermcare‐‐ situsedinWash ington D.C. ‐‐IIDhasno

authorit y andwillaccept D.C.rat esrev iew.

5.02% 5.02%Proposalwas*filed*byIID

5/31/2023MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_Old),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐ this

is*NOT*arat eincrease,butsimplyupdatedprojectionsfromapriorrat e

filing.

0.00% 0.00%Proposalwas*filed*byIID

5/31/2023MetropolitanLifeInsuranceCompany

FormLT C ‐FAC‐IA(V IP1),LT C ‐VAL‐IA,LT C ‐IDEAL‐IA,LT C ‐PREM‐IA‐‐

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoa

previousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/31/2023MetropolitanLifeInsuranceCompany TCL‐LTC.04(IA)Ed.4/00etal‐‐

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoa

previousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/25/2023UNUMLifeInsuranceCom panyof A merica Policy SeriesGLTC04‐‐ThisisNO Tarat eincreasebutratherupdated

projectionsrelatedtoapreviousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/12/2023GenworthLif eInsuranceCompany Form7046POL ‐IA11/10||ThisisNOTarateincr e a se,butratherupdated

projectionsrelatedtoapreviousfiling

0.00% 0.00%Proposalwas*filed*byIID

Wednes day,July31,2024 Page5of61

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

5/12/2023GenworthLif eInsuranceCompany Form7052etal||ThisisNOTarat eincrease,butratherupdatedprojections

relatedtoapreviousfiling

0.00% 0.00%Proposalwas*filed*byIID

5/12/2023GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐‐‐‐‐‐‐‐Non‐AARPpolicesonly‐‐

ThisisNOTarat eincreasebutratherupdatedprojectionsrelatedtoa

previousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/12/2023GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐‐‐‐‐‐‐‐AARPpolicesonly‐‐This

isNO Tarateincr ease,butratheranupdatedprojectionofexperiencerelated

toapreviousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

4/21/2023MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LTC 2007 ‐IA‐‐ LSAnew_rates‐‐ThisisNOTarate

increase,butrat her—updatedprojec tionsrelatedtoapreviousratefling.

0.00% 0.00%0.00%

4/21/2023MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LTC 2007 ‐IA‐‐ LSAnew_rates‐‐ThisisNOTarate

increase,butrat her—updatedprojec tionsrelatedtoapreviousratefling.

0.00% 0.00%0.00%

4/20/2023NewYor kLifeInsuranceCompany FormsILTC‐5000(IA)(1001)‐‐ThisisNOTarateincrease,butrather—updated

projectionsrelatedtoapreviousratefling.

0.00% 0.00%0.00%4/20/2023

4/14/2023TIAA‐CREFLif eInsuranceCompany TCL‐LTC.04(IA)Ed.4/00etal‐‐IID&IID&INSmo d i f i e d thisproposalfrom

35.55%(asoriginally filed)downto17.9%foryear1followedby10.26%for

year2=30%over2‐years

35.55% 17.90%17.90%7/1/2023

4/10/2023ContinentalCasualtyCompany Leadform:P1‐N0080‐A14et al

IID/INSnegotiatedthisproposalfrom156.5%asfiled,downto17.9%foryr1

followedby10.26%foryr2(forlimit edbenefits)and17.9%foryr1followed

by17.9%foryr2(forunlimit edbenefits)

156.50

17.90%17.90%7/1/2023

4/6/2023MetropolitanLifeInsuranceCompany TCL‐LTC.04(IA)Ed.4/00etal‐‐

IID&INSmodifiedthisproposalfrom35.55%(a soriginallyfiled)downto17.9%

foryear1followedby10.26%foryear2=30%over2‐years

35.55% 17.90%17.90%7/1/2023

3/31/2023KnightsOf Columbus FormsLTC01,NHC01‐‐ theNAICMS Ateamrecommenededapprovalofthe

37%proposal.TheIIDwillgrantfullapprovalbu t phased‐inover2‐years

inst ead,i.e.,17%foryear1followedby17.094%foryear2

37.00% 17.00%17.00%7/30/2023

3/21/2023AllianzLifeInsuranceCompanyofNorthAmerica Form7‐P‐Q‐IA(Group2),7‐P‐Q‐IA‐1,N‐4040‐P‐IA(Q),N‐4040‐P‐IA(NQ)IID/INS

modifiedtheproposalto17.9%foryear1followedby10.26%foryear2(for

lifetimebenefits) Forbenefitperiods5‐8years,theincr easeis17.9%

29.00% 17.90%17.90%

3/14/2023CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC

7.40% 7.40%7.40%8/1/2023

3/14/2023CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP(IA)‐‐ 5.00% 5.00%5.00%8/1/2023

Wednes day,July31,2024 Page6of61

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Date

Pr oposed N egotiat edIncrease

3/10/2023StateFarmMut ualAutomobileInsuranceCompany Form97059IA ‐‐IIDandINSnegotiatedthisratefilingfrom19.8%asfiled(0%

min,40%max)downto17.9%max.Thisproducesanoverallaverageof10.4%

sin cesomeratingcellswerealready @0%.

19.80% 10.40%17.90%6/1/2023

2/27/2023MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LSAOld_rat es

—ThisisNOTarateincr ease,butrather—updatedprojec tionsrelatedtoa

previousratefling.

0.00% 0.00%0.00%2/27/2023

2/27/2023MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA—

ThisisNOTarat eincrease,butrather—updatedprojectionsrelatedtoa

previousratefling.

0.00% 0.00%0.00%2/27/2023

2/10/2023Massac h usettsMutualLifeInsuranceCom pany FormMM500‐P‐2‐IA‐‐theIIDandINSmodifiedthisproposaltobespreadover

2‐years.17.9%foryear1and11.11%foryear2;AVG=28%

28.00% 17.90%17.90%4/1/2023

1/31/2023MetropolitanLifeInsuranceCompany 3rat efilingsforgrouplongtermcare‐‐ situsedinWash ington D.C. ‐‐IIDhasno

authorit y andwillaccept D.C.rat ereview.ThisisNOTarateincr ease,but

ratherupdatedprojec tionsONLY

0.00% 0.00%Proposalwas*filed*byIID

1/31/2023MetropolitanLifeInsuranceCompany 3ratefilingsforgrouplongtermcare‐‐ situsedinWash ington D.C. ‐‐IIDhasno

authorit y andwillaccept D.C.rat ereview.ThisisNOTarateincr ease,but

ratherupdatedprojec tionsONLY

0.00% 0.00%Proposalwas*filed*byIID

29.98% 8.29%AveragerateincreaseofLTCfilingsforCY2023===>>>>

12/22/2022Auto‐OwnersLifeInsuranceCom pany(IIPRCCompactratefiling) Form62091etal ‐‐ThisratefilingwasreviewedbytheIID,INS,andalsoby

theIIPRC(InterstateInsuranceProduc tRegulat ionCommission)

15.00% 15.00%15.00%

12/16/2022JohnHancockLifeInsuranceCompany FormsLTC‐91,LTC‐03IA(2007)etal‐‐ThisisNO T arateincrease,butrather

anupdatedprojectionofexperiencerelatedtoapreviousratefiling.

0.00% 0.00%0.00%

12/13/2022GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐‐‐‐‐‐‐‐AARPpolicesonly‐‐This

isNO Tarateincr ease,butratheranupdatedprojectionofexperiencerelated

toapreviousratefiling.

0.00% 0.00%0.00%12/13/2022

12/7/2022StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐ThisisNOTarateincr ease,butratheranupdatedprojection

ofexperi encerelatedtoapreviousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

12/7/2022AssurityLifeInsuranceCom pany FormAL2100P‐IA‐‐theIIDandINSnegotiatedthisproposalfrom95.31%(as

filed)downto17.9%baseduponseveralc onc er ns

95.31% 17.90%17.90%

11/30/2022AmericanFamily Mut ualInsuranceCom pany FormH‐350‐‐theoriginalproposalwas61.90%,however,theIID&INS

modifiedtheproposaldownto17.9%foryear1and10.26%for year2.

61.90% 17.90%17.90%

11/28/2022PrudentialInsuranceCompanyofAmerica FormGRP113290‐‐ IID/INSmodifiedthisproposalfr om23%(asfiled)downto

17.9%MA Xproduc inganoverallaverageof14.6%

23.00% 14.60%14.60%

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

11/28/2022PrudentialInsuranceCompanyofAmerica GRP112202||FormILTC‐2 ‐‐ IID/INSmodifiedthisproposalfrom39.8%(as

filed)downto16.1%AVG(1.8%min,17.9%ma x) baseduponseveralconc erns.

39.80% 16.10%16.10%

11/28/2022PrudentialInsuranceCompanyofAmerica GRP113290||FormILTC‐3 ‐‐ IID/INSmodifiedthisproposalfrom28.6%(as

filed)downto17.9%MAXproducinganoverallaverageof17%

28.60% 17.00%17.00%

11/28/2022PrudentialInsuranceCompanyofAmerica GRP99183||FormILTC‐1 ‐‐IID/INSmodifiedthisproposalfrom53.9%(as

filed)downto15.9%AVG(1.7%min,17.9%ma x) baseduponseveralconc erns.

53.90% 15.90%15.90%

10/28/2022GenworthLif eInsuranceCompany Form7046POL ‐IA11/10||ThisisNOTarateincr e a se,butratherupdated

projectionsrelatedtoapreviousfiling

0.00% 0.00%0.00%10/28/2022

10/17/2022UNUMLifeInsuranceCom panyof A merica Policy SeriesGLTC04‐‐IIDwithdrewthefilingdue totimingconsiderations.

Thecarrierw illrefileat theendQ12023.

3.50% 0.00%Proposalwas*withdrawn*

10/7/2022Massac h usettsMutualLifeInsuranceCom pany FormMM‐200‐P‐IA‐‐ (IID/INSmodifiedthisproposalfrom29.2%average(min

.1%,max86%) to13.1%average(min0%,31.3%)

29.20% 13.10%13.10%1/1/2023

10/7/2022UnumLifeInsuranceCom panyofAmerica FormsB.LTC,GLTC95,GLTC04,RGLTC04‐‐Grouplongtermcare‐‐notarate

increase.Newratesfornewemployeesaddedtoagroup.

0.00% 0.00%Proposalwas*filed*byIID

9/30/2022GenworthLif eInsuranceCompany Form7052etal||ThisisNOTarat eincrease,butratherupdatedprojections

relatedtoapreviousfiling

0.00% 0.00%Proposalwas*filed*byIID

9/15/2022MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐ IID

andINSmodifiedthisproposalfrom35.7%(asfiled)downto17.9%

35.70% 17.90%17.90%12/1/2022

9/13/2022Phy siciansMut ualInsuranceCompany FormsP103,P104etal‐‐ IID/INSmodifiedthisproposalfrom23%avg (0% 

min,40%max)downtoto17.9%maxforyear1followedby10.26%maxfor

year2.Thisproduc esanoverall2‐yearaverageof20%

23.00% 17.90%17.90%1/1/2023

9/13/2022Phy siciansMut ualInsuranceCompany FormsP130IA,P131IAet al‐‐IID/INSmodifiedthisproposalfrom21%av g (8%

min,31%max)to17.9%maxforyear1followedby10.26%maxforyear2.

Thisproducesanoverall2‐yearav erageof20%

21.00% 17.90%17.90%1/1/2023

9/6/2022MetropolitanLifeInsuranceCompany Policy FormsTaxQualifiedLong‐TermCareInsurancePolicy ‐GPNP99‐LTC 10.00% 10.00%10.00%

9/6/2022MetropolitanLifeInsuranceCompany S imilartotheextraterritorialrateincr easesonpoliciesresidinginIowaon

groupssitusedinanotherstate‐‐IIDhasgrantedsimilarexemptionsIowa

law/reg.Rateincr easejurisdictionbelongstothe issuin gstateforgroup

policies.

7.17% 7.17%7.17%

8/18/2022MetropolitanLifeInsuranceCompany 1LTC‐97&2LTC‐97‐‐theIIDandINSmodifiedthisproposalfrom33.47%(as

filed)downto17.9%

33.47% 17.90%17.90%

8/18/2022MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LSAOld_rates

‐‐IIDandINSmodifiedthisproposalfrom110.3%(asfiled)downto17.9%

110.34

17.90%17.90%

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Date

Pr oposed N egotiat edIncrease

8/18/2022MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LTC 2007 ‐IA‐‐ LSAnew_rates(IIDandINSmodifiedthe

proposalfrom71.33%(asfiled)downto17.9%

71.33% 17.90%17.90%

8/9/2022GenworthLif eInsuranceCompany Form7030PCSII

IIID/INSmodifiedthisasa2‐yearphaseoftheoriginalproposal:

Limited:18.5%foryear1andyear2

Lifetime:26.7%foryear1andyear2

Average=22.6%foryear1andyear2

50.30% 22.60%22.60%10/1/2022

8/9/2022GenworthLifeInsuranceCom pany Form7035ChoiceI

IIID/INSmodifiedthisasa2‐yearphaseoftheoriginalproposal:

Limited:31.5%foryear1andyear2

Lifetime:34.4%foryear1andyear2

Average=32.67%foryear1andyear2

76.20% 32.67%32.67%10/1/2022

8/2/2022ContinentalGen eralInsuranceCompany FormsL‐6000andLTC‐020201‐‐ThisisNOTarateincr ease,butratherupdated

projectionsrelatedtoapreviousfiling

0.00% 0.00%0.00%8/2/2022

7/28/2022Cat holicOrderofForesters FCLTC‐IA‐‐ IIDandINSmodifidedthisproposaltobespeadoutover2‐years,

i.e.,17.9%inyear1followedby5.34%inyear2.IIDalsonegotiateda5‐year

rateguaranteeforthisblock.

24.10% 17.90%17.90%

7/28/2022CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC‐‐ThisisNO Tarat eincrease,butrat herupdatedprojec tions

relatedtopreviousfilings

0.00% 0.00%Proposalwas*filed*byIID

7/28/2022CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP(IA)‐‐ThisisNOTarateincr e a se,butratherupdated

projectionsrelatedtoapreviousfiling

0.00% 0.00%Proposalwas*filed*byIID

7/25/2022MetropolitanLifeInsuranceCompany S imilartotheextraterritorialrateincr easesonpoliciesresidinginIowaon

groupssitusedinanotherstate‐‐IIDhasgrantedsimilarexemptionsIowa

law/reg.Rateincr easejurisdictionbelongstothe issuingstateforgroup

policies.

0.00% 0.00%Proposalwas*filed*byIID

7/22/2022JohnHancockLifeInsuranceCompany FormsLTC‐91etal‐‐IID/INSnegotiated;the increaseiseliminatedif

polic yholderacceptsreducedinflationlandingsp o t . Ifnoteligible,,amax

increaseof44%isspreadover2‐years.(44%isthemax‐‐som earelessof 

course)

32.80% 29.10%29.10%

7/22/2022JohnHancockLifeInsuranceCom pany LTC‐03IA(2007) ‐‐IID/INSnegotiateda2‐yearphaseoftheincrease.The

increaseiseliminatedifthepolicyholderacceptsareducedinflat ionlanding

spotorsharedcostoption.Otherwise,40.67%(themaxincrease)isspread

over2‐years.

22.10% 22.10%22.10%

7/21/2022MedA mericaInsu ranceCom pany Form14515‐IA‐‐IID/INSmodproposalto17.9%maxinY1x10.2%maxinY2=

22.6%av g

55.30% 17.90%17.90%

7/21/2022MedA mericaInsu ranceCom pany FormSPL‐336‐‐ IID/INSmodproposalto17.9%maxinY1x10.2%maxinY2=

22.2%av g

44.20% 17.90%17.90%

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

7/21/2022MedA mericaInsu ranceCom pany GRP11‐342‐MA ‐IA‐401‐‐IID/INSmodproposalto17.9%maxinY1x10.2%max

inY2=29.3%avg

164.00

17.90%17.90%

7/21/2022MedA mericaInsu ranceCom pany LeadSERFFFormLTC‐LBP8‐MA‐IA ‐‐ HTQ11‐338‐MA‐IA‐401etal‐‐IID/INSmod

proposalto17.9%maxY1x10.2%maxY2=27.8%avg

200.90

17.90%17.90%

7/18/2022MedA mericaInsu ranceCom pany FormsFC‐336‐IAetal‐‐ IID/INSmodifiedthisproposalfrom7.49%avg(w ith

20%max)downto7%avg(wit h17.9%max)

7.49% 7.00%7.00%7/1/2022

6/17/2022PrudentialInsuranceCompanyofAmerica GroupLTC83500BFW5005,

GRP83500COV5022

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoprevious

filings

0.00% 0.00%Proposal*filed*byIID

6/14/2022MetropolitanLifeInsuranceCompany 3ratefilingsforgrouplongtermcare‐‐ situsedinWash ington D.C. ‐‐IIDhasno

authorit y andwillaccept D.C.rat ereview.

10.00% 10.00%Proposalwas*filed*byIID

6/2/2022UnitedSecurityAssuranceCom panyof Pennsylvania FormsPAL ‐1,PAL‐1(02)R,QLT‐1,QLT‐1(02)Retal  ‐‐‐Or iginalproposalwas

56.09%via3annualincreasesof 16%,however,theIIDwasabletomodifythis

proposalto17.9%foryear1followedby10.26%foryear2

56.09% 17.90%17.90%

5/27/2022MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_Old),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐ this

is*NOT*arat eincrease,butsimplyupdatedprojectionsfromapriorrat e

filing.

0.00% 0.00%Proposalwas*filed*byIID

5/27/2022MetropolitanLifeInsuranceCompany

FormLT C ‐FAC‐IA(V IP1),LT C ‐VAL‐IA,LT C ‐IDEAL‐IA,LT C ‐PREM‐IA‐‐

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoa

previousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/27/2022MetropolitanLifeInsuranceCompany L TC‐E.02Ed.11‐91‐‐thisis*NOT*arateincr ease,butsimplyupdated

projectionsfromapriorratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/27/2022MetropolitanLifeInsuranceCompany TCL‐LTC.04(IA)Ed.4/00etal‐‐

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoa

previousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

5/2/2022MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LTC 2007 ‐IA‐‐ LSAnew_rates‐‐ThisisNOTarate

increase,butrat her—updatedprojec tionsrelatedtoapreviousratefling.

0.00% 0.00%Proposalwas*filed*byIID

4/21/2022UNUMLifeInsuranceCom panyof A merica Policy SeriesGLTC04‐‐IID/INSmodproposalfr om50%on5%c om poundinfl

policiesdownto17.9%.{Simpleinf=12%&noinfl=0%}Thisgeneratesanew

avg of 14.1%av gvs.25.45%asfiled.4.31%istheoverallavgforALLpolicies

vs7.8%asfiled

25.45% 14.10%14.10%7/1/2022

3/17/2022RiverSourceLifeInsuranceCompany 30160A‐32100(wit hendorsement)IIDandINSmodifedtheproposalto

Lifetime:17.9%foryear1followedby17.9%fo ryear2‐‐

non‐lifetime:17.9%foryear1followedby5.77%foryear2

48.90% 17.90%17.90%

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

3/17/2022RiverSourceLifeInsuranceCompany 30225‐IAwith1997revisedrates ‐‐IIDandINSmodifedtheproposalto

Lifetime:17.9%foryear1followedby17.9%fo ryear2and

Non‐lifetime:17.9%foryear1followedby10.26%foryear2(30%)

70.70% 17.90%17.90%

3/17/2022RiverSourceLifeInsuranceCompany Form30160‐A‐IA‐‐IIDandINSmodifedtheproposaltoLifetime:17.9%for

year1followedby17.9%foryear2‐‐Non‐lifetime:17.9%foryear1followed

by8.48%foryear2

56.80% 17.90%17.90%

3/17/2022RiverSourceLifeInsuranceCompany Form30225‐IA‐‐IIDandINSmodifedtheproposalto

Lifetime:17.9%foryear1followedby10.26%for year2

Non‐lifetime:5%foryear1followedby4.76%foryear2

29.60% 17.90%17.90%

3/11/2022PrincipalLifeInsuranceCom pany FormsFR142,FR601 ‐‐IIDandINSnegotiatedtheproposalfrom65.22%(as

filed)downto17.9%foryear1followedby10.26%foryear2

65.22% 17.90%17.90%7/1/2022

3/11/2022PrincipalLifeInsuranceCom pany FR1240andFR406IA‐1‐‐ IIDandINSnegotiatedtheproposalfrom68.37%(as

filed)downto17.9%foryear1followedby10.26%foryear2

68.37% 17.90%17.90%7/1/2022

3/8/2022MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LSAOld_rates

—ThisisNOTarateincr ease,butrather—updatedprojec tionsrelatedtoa

previousratefling.

0.00% 0.00%0.00%3/8/2022

3/8/2022MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA—

ThisisNOTarat eincrease,butrather—updatedprojectionsrelatedtoa

previousratefling.

0.00% 0.00%0.00%3/8/2022

3/4/2022NassauLifeandAnnuityCompany Forms1460,1490,P 30,P35,P39,PL NHO,PLNHOQ‐‐ IIDandINSmodifiedthis

proposaldownto17.9%foryear1followedby10.26%foryear2forbenef it

periods>3years.

92.00% 17.90%17.90%7/1/2022

2/18/2022AbilityInsuranceCom pany FormsLT691,LT201,LT692,LT694,LT695,LT696,LT698‐‐IID/INDMODto:

17.9%year1x17.9%year2x14.39%year3~47.4%over3‐yrs

54.90% 17.90%17.90%

2/10/2022UnitedofOmahaLifeInsuranceCompany FormLTC06UI‐TQetal‐‐IID/INSmodto~18.07%foryear1followedby

15.18%foryear2followedby15.04%foryear3.Ov erall3‐yearMOD~56.5%

vs.97.80%asfiled.

97.80% 18.07%18.07%6/1/2022

2/10/2022MutualofOmahaInsuranceCompany FormsHCA(NH50,LT50,HCAQ,NHA,NHAQ,LTA ,LTAQ)‐‐IID/INSnegotiated

thisto17.9%foryr1followedby10.26%foryr2‐forlifetimebenefits.For

non‐lifetimebenefits,IID/IN SMODis17.9%for yr1only.2‐yrMOD= 27.1%

vs.54.9%asfiled.

54.90% 17.90%17.90%5/1/2022

2/10/2022MutualofOmahaInsuranceCompany PolicySeriesLTC04G‐‐IID/INSmodifiedthisproposaldowntoapproximately

18.41%foryear1followedby16.88%foryear2followedby14.75%foryear

3.Overall3‐yearMOD~58.8%vs.105%asfiled.

105.80

18.41%18.41%6/1/2022

2/9/2022CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC

7.40% 7.40%7.40%5/1/2022

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

1/26/2022MetropolitanLifeInsuranceCompany 3ratefilingsforgrouplongtermcare‐‐ situsedinWash ington D.C. ‐‐IIDhasno

authorit y andwillaccept D.C.rat ereview.ThisisNOTarateincr ease,but

ratherupdatedprojec tionsONLY

0.00% 0.00%Proposalwas*filed*byIID

35.80% 11.51%AveragerateincreaseofLTCfilingsforCY2022===>>>>

12/21/2021AllianzLifeInsuranceCompanyofNorthAmerica Form7‐P‐Q‐IA(Group2),7‐P‐Q‐IA‐1,N‐4040‐P‐IA(Q),N‐4040‐P‐IA(NQ) —Thi sis

NOTarat eincrease,butratheranupdatedprojectionofexperiencerelatedto

apreviousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

12/3/2021StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐ThisisNOTarateincrease,butratheranupdatedprojection

ofexperi encerelatedtoapreviousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

11/30/2021MetropolitanLifeInsuranceCompany FormLTC‐FAC‐IA(V IP1),LTC‐VAL‐IA,LTC‐IDEAL‐IA , LTC‐PREM‐IA‐‐thisis*NOT*

arateincr ease,butsimplyupdatedprojec tionsfromapriorratefiling.

0.00% 0.00%0.00%11/30/2021

11/29/2021GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐‐‐‐‐‐‐‐Non‐AARPpolicesonly‐‐

ThisisNOTarat eincreasebutratherupdatedprojectionsrelatedtoa

previousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

11/22/2021GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐‐‐‐‐‐‐‐AARPpolicesonly‐‐This

isNO Tarateincr easebutratherupdatedprojectionsrelatedtoaprevious

ratefiling.

0.00% 0.00%Proposalwas*filed*byIID

11/19/2021LifeSecureInsuranceCom pany LS‐0002IA07/07‐‐IIDandINSmodifiedthisproposalfr om31%(asoriginally 

filed)downto17.9%

31.00% 17.90%17.90%

11/18/2021Auto‐OwnersLifeInsuranceCom pany Form50336etal‐‐ theIIDandINSmodifiedthisproposalfrom30%(asfiled)

to17.9%baseduponseveralconc erns.

30.00% 17.90%17.90%8/6/2022

11/5/2021GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐‐Non‐AARPpolicesonly‐‐

ThisisNOTarat eincreasebutratherupdatedprojectionsrelatedtoa

previousratefiling.

0.00% 0.00%Proposalwas*filed*byIID

11/5/2021GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐‐‐‐‐‐‐‐AARPpolicesonly‐‐This

isNO Tarateincr easebutratherupdatedprojectionsrelatedtoaprevious

ratefiling.

0.00% 0.00%Proposalwas*filed*byIID

11/4/2021Bank ersLifeandCasualtyCompany F ormsGR‐N520,N530,N 540,N550,N570,N580‐‐theIIDandINSmodifiedthis

proposalfrom40%(asfiled)to17.9%baseduponseveralc onc erns.

40.00% 17.90%17.90%

11/2/2021AllianzLifeInsuranceCompanyofNorthAmerica Form10‐P‐Q‐IA(Group3) ‐‐ IIDmodifiedtheproposalfrom51.9%(asfiled)down

28.8%spread over2yearswithyearlycapsrangingfrom17.9%inyear1to

(1.78%to10.26%)inyear2dependingonthebe ne f i t plan.

51.90% 17.90%17.90%

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

11/2/2021AllianzLifeInsuranceCompanyofNorthAmerica Form11‐P‐Q‐IA‐‐IIDmodifiedtheproposalfrom28.8%(asfiled)downto

24.80%spread over2yearswithyearlycapsrangingfrom(15%to17.9%)

percentinyear1to…(0to10.26%)percentinyear2dependingonthebenefit

plan.

28.80% 17.90%17.90%

10/8/2021MetropolitanLifeInsuranceCompany 1LTC‐97&2LTC‐97‐‐theIIDandINSmodifiedthisproposalto17.9%maxfor

eachcell

57.32% 17.90%17.90%1/1/2022

10/8/2021Transamerica LifeInsCo‐FKATr a nsamerica Prem ier TLC1‐FP(IA )1001,MLC1‐FP(IA )1001etal‐‐TheIIDandINSnegotiatedthis

proposalfrom54%(asor iginallyfiled)downto17.9%foryear1followedby

10.26%foryear2

54.40% 17.90%17.90%1/1/2022

10/4/2021AmericanFamily Mut ualInsuranceCom pany FormH ‐350‐‐thisis*NOT*arateincr ease,butsimp lyupdatedprojec tions

fromapriorratefiling.

0.00% 0.00%Proposal*filed*byIID

10/1/2021AmericanGen eralLifeInsuranceCom pany Form64028‐IA ‐‐ theIIDandINSnegotiatedthisratefilingfrom25%as

originally fileddownto17.9%inyear1followedby6%inyear2

25.00% 17.90%17.90%1/1/2022

9/28/2021ProvidentLifeandAcc identInsuranceCompany FormsRLTC03,RLTCO03,LTC03,LTCP03&LTCT0‐‐thisistheNAIC'sMulti‐State

reviewandtheIowareview.IID/INSnegotiatedthisto17.9%forY1&17.9%

forY2(lifetimebenefits) Forlimit edbenefits,17 . 9 % forY1&10.26%forY2

136.00

17.90%17.90%1/1/2022

9/22/2021UNUMLifeInsuranceCom panyof America FormsLTC94,LTC94Qetal‐‐thisisNOTarateincreasefiling,butrather

updatedprojec tionsrelatedtoapreviousfiling.

0.00% 0.00%Proposalwas*filed*byIID

9/20/2021MetropolitanLifeInsuranceCompany 1LTC‐97&2LTC‐97‐‐thisisNOTarateincreasefiling,butratherupdated

projectionsrelatedtoapreviousfiling.

0.00% 0.00%Proposalwas*filed*byIID

9/20/2021SILACInsuranceCompany Forms2002,2002,2002+,2002(97),2002+(97)‐‐TheIIDandINSmodifiedthis

proposalfrom69.70%(asor iginallyfiled)downto17.90%inyear1followedby

10.26%inyear2.

69.70% 17.90%17.90%1/1/2022

9/17/2021JohnAldenLifeInsuranceCom pany FormJ‐5762‐P‐IA,J‐5762‐R1,J‐5875‐P‐IA(Q)&(NQ),J ‐5875‐R1(Q),J‐5875‐R2(Q),

J‐5875‐R3(Q)‐‐TheIIDandINDmodifiedthisproposaldownto17.9%foryear

1followedby17.9%foryear2.

72.80% 17.90%17.90%10/1/2021

8/26/2021Cat holicOrderofForesters FCLTC‐IA‐‐ IIDandINSmodifidedthisproposalfr o m 45.32%downto17%based

uponseveralconsiderations

45.32% 17.00%17.00%11/1/2021

7/28/2021GenworthLif eInsuranceCompany Form7000PCSIwithlifetimebenefits||IID&INSmodifiedthisproposal

downto17.9%foryears1,2,and3

92.60% 17.90%17.90%11/1/2021

7/28/2021GenworthLif eInsuranceCompany Form7000PCSIwithlimitedbenefits||IID&INSmodifiedthisproposal

downto12.9%foryears1and2followedby12.8%foryear3

92.60% 17.90%17.90%11/1/2021

7/28/2021GenworthLif eInsuranceCompany Form7046POL ‐IA11/10||(IID/INSmodto17.9%forY1x10.2%forY2) 65.10% 17.90%17.90%11/1/2021

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

7/28/2021GenworthLif eInsuranceCompany Form7052etal||(IID/INDmodto17.9%foryear 1followedby17.9%for

year2)

66.30% 17.90%17.90%11/1/2021

7/28/2021GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐‐‐‐‐‐‐‐Non‐AARPpolicesonly‐‐

(IID/INDmodto17.9%foryear1followedby17 . 9% foryear2)

48.00% 17.90%17.90%11/1/2021

7/28/2021GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐‐‐‐‐‐‐‐AARPpolicesonly

(IID/INDmodto17.9%foryear1followedby17 . 9% foryear2)

49.50% 17.90%17.90%11/1/2021

7/28/2021GenworthLif eInsuranceCompany Forms5000,6484Pre‐PCSIwithlifetimebenefits||IIDandINSmodifiedthis

proposalfrom39.3%(0%minto104%max)dow nto17.9%inyear1followed

by10.2%inyear2

39.30% 17.90%17.90%11/1/2021

7/28/2021ContinentalGeneralInsuranceCompany FormsL‐6000andLTC‐020201‐‐ThisisNOTarateincrease,butratherupdated

projectionsrelatedtoapreviousfiling

0.00% 0.00%0.00%7/28/2021

7/16/2021ContinentalCasualtyCompany FormP1‐15203‐A14etal‐‐TheIID&INSmodifi edthisporposalfrom63.9%(as

originally filed)downto17.9%foryear1followedby10.26%foryear2

~29.1%over2‐years(S omeyear2cells[LTC1] arelessthan10.26%thus

producing<30%over2‐years

63.90% 17.90%17.90%10/1/2021

7/16/2021ContinentalCasualtyCompany FormP1‐15203‐A14etal‐‐TheIIDandINSmodifiedthisporposalfrom165%

(asoriginallyfiled)downto17.9%foryear1followedby10.26%foryear2=

30%over2‐years

165.00

17.90%17.90%10/1/2021

7/16/2021CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP(IA)‐‐ThisisNOTarateincr e a se,butratherupdated

projectionsrelatedtoapreviousfiling

0.00% 0.00%0.00%7/16/2021

6/28/2021MetropolitanLifeInsuranceCom pany UpdatedprojectionONLY‐‐notarateincrease‐‐S imilar totheextraterritorial

rateincreasesonpoliciesresidinginIowaongroupssitu sedinanotherstate‐‐

Ratejurisdictionbelongstotheissu ingstatefor grouppolicies.

0.00% 0.00%Proposal*filed*byIID

6/15/2021StateFarmMut ualAutomobileInsuranceCompany Form97045IA.1‐‐limitedmaxcellsto30%sp readover2‐years,i.e.,max

17.9%inyear1followedbymax10.26%inyear2.Thisreduc estheoverall2‐

yearincrasefrom18.8%downto17.4%.Origma x cellswere34%butwithIID

modthemaxis17.9%

18.80% 17.40%17.40%9/1/2021

6/8/2021PrudentialInsuranceCompanyofAmerica GroupLTC83500BFW5005,

GRP83500COV5022

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoprevious

filings

0.00% 0.00%Proposal*filed*byIID

6/8/2021PrudentialInsuranceCompanyofAm erica IndividualLTC

ILTC‐1‐ILTC‐2‐ILTC‐3‐ILTC‐3R

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoprevious

filings

0.00% 0.00%Proposal*filed*byIID

5/28/2021MetropolitanLifeInsuranceCompany L TC‐E.02Ed.11‐91‐‐thisis*NOT*arateincr ease,butsimplyupdated

projectionsfromapriorratefiling.

0.00% 0.00%0.00%5/28/2021

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

5/28/2021MetropolitanLifeInsuranceCompany TCL‐LTC.04(IA)Ed.4/00‐‐thisis*NOT*arateincr ease,butsimplyupdated

projectionsfromapriorratefiling.

0.00% 0.00%0.00%5/28/2021

5/27/2021MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_Old),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐ this

is*NOT*arat eincrease,butsimplyupdatedprojectionsfromapriorrat e

filing.

0.00% 0.00%0.00%5/27/2021

5/27/2021MetropolitanLifeInsuranceCompany FormLTC‐FAC‐IA(V IP1),LTC‐VAL‐IA,LTC‐IDEAL‐IA , LTC‐PREM‐IA‐‐thisis*NOT*

arateincr ease,butsimplyupdatedprojec tionsfromapriorratefiling.

0.00% 0.00%0.00%5/27/2021

4/26/2021MetropolitanLifeInsuranceCompany 3ratefilingsforgrouplongtermcare‐‐ situsedinWash ington D.C. ‐‐IIDhasno

authorit y andwillaccept D.C.rat ereview.

10.00% 10.00%Proposal*filed*byIID

4/20/2021BerkshireLifeInsuranceCom panyof America FormBG01P(06/04) ‐IA‐‐IIDandINSmodifiedthisproposal27.73%asfiled

downto15%

27.73% 15.00%15.00%7/1/2021

4/6/2021MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LTC 2007 ‐IA‐‐ LSAnew_rates(IIDandINSmodifiedthe

proposalto17.9%(on69Iowapolicies)

58.60% 17.90%17.90%7/1/2021

3/24/2021AmericanFidelity Assu ranc eCompany PSINCC(4/99)IA,PSIQCC(4/99)IA,PSINTLC ( 4/99)IA,PSIQLTC(4/99)IA=>>

IID&INSmodifedtheproposalto17.9%inyear1followedby10.26%inyear2

(lifetimebenefitonly)‐‐Thisinc ludesa5‐yearra teguarant ee.

33.60% 17.90%17.90%6/1/2021

3/12/2021Transamerica LifeInsuranceCompany GP 001796(GC001796)‐‐IID&INSmodifiedthisproposalto17.90%forY1x

12.45%forY2witha7.5yearguarant ee

30.00% 17.90%17.90%6/1/2021

3/12/2021Transamerica LifeInsuranceCom pany IP‐70‐IA‐494,etal‐‐ IID&INSmodifiedthisproposalto17.90%forY1x

12.45%forY2witha7.5yearguarant ee

30.00% 17.90%17.90%6/1/2021

3/12/2021Transamerica LifeInsuranceCom pany ML‐LTCPTQ(IA)197,IP‐70‐IA‐494,etal‐‐IID&INSmodifiedthisproposalto

17.90%forY1x12.45%forY2witha7.5yearguarantee

30.00% 17.90%17.90%6/1/2021

2/12/2021CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC

15.10% 15.10%15.10%8/1/2021

2/12/2021CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP(IA)‐‐ 17.40% 17.40%17.40%5/1/2021

2/11/2021ContinentalCasualtyCompany FormsP1‐43636‐A,SR‐LTCP‐Series‐‐ IIDandINSmodifiedtheoriginalproposal

(64.20%av gon458lives ‐‐subjectto:Min=56.00%,Max=195.60%)downto

17.9%maxcell.

65.00% 17.90%17.90%5/1/2021

2/4/2021MetropolitanLifeInsuranceCompany FormLTC2007‐IA‐‐IA_LSAOld_rates

‐‐IIDandINSmodifiedthisproposaldownto17.9%

77.60% 17.90%17.90%5/1/2021

2/4/2021MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐ IID

andINSmodifiedthisproposaldownto17.9%

33.65% 17.90%17.90%5/1/2021

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Date

Pr oposed N egotiat edIncrease

1/27/2021MedA mericaInsu ranceCom pany GRP11‐342‐MA ‐IA‐401 ‐‐ IIDandINSnegotiatedthisproposalfrom46.20%as

fileddownto17.9%

46.20% 17.90%17.90%4/1/2021

1/27/2021MedA mericaInsuranceCom pany LeadSERFFFormLTC‐LBP8‐MA‐IA ‐‐ HTQ11‐338‐MA‐IA‐401etal‐‐IIDandINS

negotiatedthisproposalfrom85.1%asfileddownto17.9%

85.10% 17.90%17.90%4/1/2021

1/21/2021Cinc innatiLif eInsuranceCompany FormsCLI‐100‐IA(4/99),CLI‐120‐IA(4/99) ‐‐ IID&IINSmodiﬁedto17.9%for

year1x10.26%foryear2vs.the50%proposaloriginallysubm itted.(The

company agreedtolockina10‐yearrateguaranteewiththisrateincr ease

approval)

50.00% 17.90%17.90%4/1/2021

34.88% 11.55%AveragerateincreaseofLTCfilingsforCY2021===>>>>

12/28/2020Massac h usettsMutualLifeInsuranceCom pany FormMM‐200‐P‐IA‐‐ Thi sisNOTarat eincrease,butratheranupdated

projectionofexperi encerelatedtoapreviousra t efiling.

0.00% 0.00%Proposal*filed*byIID

12/7/2020AllianzLifeInsuranceCompanyofNorthAmerica Form10‐P‐Q‐IA(Group3) ‐‐ Otherform:11‐P‐Q‐IA‐‐ ThisisNO Tarateincr ease,

butrat heranupdatedprojectionofexperiencerelatedtoapreviousrat efiling.

0.00% 0.00%0.00%12/7/2020

12/1/2020NassauLifeInsuranceCom panyof Texas Forms1460,1490,P30,P 35,P39,PLNHO,PL NHOQ‐‐IIDandINSmodifiedthis

proposaldownto9.17%(from88%aspreviouslyfiled)bylimitingcellstoa

maximumincreaseof10%

88.00% 9.17%9.17%6/7/2021

12/1/2020NassauLifeIns.Co.ofKansas(FKA PyramidLife) FormsC77andC78‐‐IIDandINSmodifiedthisproposaldownto16.03%(from

74%aspreviouslyfiled)bylimitingcellstoama x i m u m increaseof17.9%

74.00% 16.03%16.03%2/28/2021

11/18/2020StateFarmMut ualA utomobileInsuranceCompany Form97058IA ‐‐ThisisNOTarateincrease,butratheranupdatedprojection

ofexperi encerelatedtoapreviousratefiling.

0.00% 0.00%0.00%11/18/2020

11/12/2020Transamer icaLifeInsuranceCompany(Int erstateCompac t) FormsUNI‐3etal‐‐ThisfilingwasreviewedandapprovedbytheInterstate

InsuranceCom pact.Asacompactingstate,Iowahasagreedtoacceptall

Compactdec isionsforrateincr easeapprovals<15%

12.36% 12.36%12.36%1/22/2021

10/27/2020LifeSecureInsuranceCom pany(InterstateCom pactreview) FormsICC13‐LS‐LTC‐0004and0005etal‐‐ Thisfiling wasreview edand

approvedbytheInterstateInsuranceCom pact.Asacompactingstate,Iowa

hasagreedtoacceptallCompactdecisionsforra t eincreaseapprovals<15%

11.90% 11.90%11.90%1/22/2021

9/25/2020Phy siciansMut ualInsuranceCompany FormsP103,P104etal‐‐ IID/INSMODto17.9%foryear1followedby

10.26%foryear2=new2‐yearavgof 21%

50.00% 17.90%17.90%

9/25/2020Phy siciansMut ualInsuranceCompany FormsP130IA,P131IAetal‐‐IID/INSMODto17. 9 % foryear1followedby

10.26%foryear2

56.00% 17.90%17.90%

9/2/2020MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_new),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐ This

isNO Tarateincr ease,butratheranupdatedprojectionofexperiencerelated

toapreviousratefiling.

0.00% 0.00%Proposal*filed*byIID

Wednes day,July31,2024 Page16of61

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Date

Pr oposed N egotiat edIncrease

8/31/2020AmericanFamily Mut ualInsuranceCom pany FormH‐350‐‐thisis*NOT*arateincr ease,butsimp lyupdatedprojec tions

fromapriorratefiling.

0.00% 0.00%Proposal*filed*byIID

8/27/2020Transamer icaLifeInsuranceCompany_Compact ICC10TLC‐3‐‐InterstateCompac tratefiling.Thisis*NOT*arateincrease,but

simplyupdatedprojectionsfromapriorratefil ing.

0.00% 0.00%Proposal*filed*byIID

8/24/2020AllianzLifeInsuranceCompanyofNorthAmerica Form7‐P‐Q‐IA(Group2),7‐P‐Q‐IA‐1,N‐4040‐P‐IA(Q),N‐4040‐P‐IA(NQ) IID/INS

modifiedproposaltoa2‐yrphase,i.e.,17.9%fo r year1followedbyamax

increaseof10.26%foryear2

56.00% 17.90%17.90%2/27/2021

8/24/2020AllianzLifeInsuranceCompanyofNorthAmerica FormN‐2000‐P(Group1),N‐2720‐P‐IA,N‐2721‐P‐IA,N‐2720‐P‐IA (Q),N‐2720‐P‐

IA(NQ),N‐2721‐P‐IA (Q),N‐2721‐P‐IA(NQ),N‐2350‐P,N‐3000‐P‐IA (Q),N‐3000‐P‐

IA(NQ)etal

IID/INSmodifiedtheproposaltoa3‐yrphaseby cappingallcellsatorbelow

19.9%

121.00

17.90%17.90%2/27/2021

8/13/2020StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐theIID&INSmodifidedthispr oposalfrom20.3%asfiled(0%

min,89.5%max)downto17.9%foryear1follow edby10.26%foryear2forall

cells>=30%.Thi sproducesanew2‐yearavgof12.4%

20.30% 12.40%17.90%10/1/2020

8/13/2020ContinentalCasualtyCompany Leadform:P1‐N0080‐A14etal

IID/INSnegotiatedthisproposalfrom70.1%asfiled,downto17.9%foryear1

followedby10.26%foryear2

70.10% 17.90%17.90%10/1/2020

8/12/2020ContinentalGeneralInsuranceCompany Series1LTCI‐‐1LTCIP0001,1LTCIP 0002 ‐‐IID&INSnegotiatedthisproposalfrom

172%(asfiled)downto17.9%foryear1followedby10.26%foryear2

172.00

17.90%17.90%10/1/2020

8/12/2020ContinentalGeneralInsuranceCompany Series2LTCI ‐‐ 2LTCIP0001‐‐ IID&INSnegotiatedthisproposalfrom62%(as

filed)downto17.9%foryear1followedby10.26%foryear2

62.00% 17.90%17.90%10/1/2020

8/12/2020ContinentalGeneralInsuranceCompany Series4LTCI ‐‐ 4LTCIP0001,4LTCIP0002 ‐‐ IID&INSnegotiatedthisproposal

from28%(asfiled)downto17.9%duetovariousc onc erns

28.00% 17.90%17.90%10/1/2020

8/4/2020ContinentalGen eralInsuranceCom pany(FKAUnitedTeacher) Forms1LTCGP0001and1LTCGP0008‐‐ IID&INSnegotiatedthisproposalfrom

81%(asfiled)downto17.9%foryear1followedby10.26%foryear2

81.00% 17.90%17.90%10/1/2020

8/3/2020MetropolitanLifeInsuranceCom pany 1LTC‐97&2LTC‐97 17.03% 17.03%17.03%10/1/2020

8/3/2020ContinentalGen eralInsuranceCompany FormsL‐6000andLTC‐020201 12.00% 12.00%12.00%10/1/2020

7/13/2020MedA mericaInsu ranceCom pany Form14515‐IA‐‐IIDandINSnegotiatedtheincreasefrom22.3%(as

proposed) downto16.7%bylimit ingthe30%cellsto17.9%foryear1

followedby10.26%foryear2

22.30% 16.70%16.70%9/1/2020

7/13/2020MedA mericaInsuranceCom pany FormSPL‐336‐‐ IIDandINSnegotiatedtheincreasefrom40.4%(asproposed) 

downto17.9%foryear1followedby10.26%fo r year2.

40.40% 17.90%17.90%9/1/2020

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

6/30/2020PrudentialInsuranceCompanyofAmerica GroupLTC83500BFW5005,

GRP83500COV5022

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoprevious

filings

0.00% 0.00%Proposal*filed*byIID

6/30/2020PrudentialInsuranceCompanyofAm erica IndividualLTC

ILTC‐1‐ILTC‐2‐ILTC‐3‐ILTC‐3R

ThisisNOTarat eincrease,butratherupdatedprojectionsrelatedtoprevious

filings

0.00% 0.00%Proposal*filed*byIID

6/18/2020TheStateLifeInsuranceCom pany SA34(IA )‐‐thisisnotastandalonelongtermca r e contract .Thi sisalsonota

rateincreaseonexi stingpolicies.RatesforNEWBUSINSSONL Yonexisting

optionalContinuationof BenefitsforLong‐TermCareProvisionforanon‐can

SPDA

0.00% 0.00%0.00%

6/10/2020Massac h usettsMutualLifeInsuranceCom pany FormMM‐200‐P‐IA‐‐ (IID/INSMODto17.9%ma x year1x17.9%maxyear2‐‐

Newmodifiedavg[over2‐years]=34.3%)

64.00% 17.90%17.90%7/1/2020

5/22/2020MedA mericaInsuranceCom pany FormSPL2‐336‐IA‐‐IID/INSmodifiedthisproposalfrom30.12%(20%min,

75%max)to17.9%maxyear1followedby10.26%maxforyear2=25.51%

over2‐years

30.12% 17.90%17.90%7/1/2020

5/22/2020MedA mericaInsuranceCom pany FormsFC‐336‐IAetal‐‐ IID/INSmodifiedthisproposalfrom27.1%(0%min,

,50%max)to17.9%maxyear1followedby10.26%maxforyear2=20.29%

over2‐years

27.09% 17.90%17.90%7/1/2020

5/19/2020MetropolitanLifeInsuranceCompany S imilartotheextraterritorialrateincr easesonpoliciesresidinginIowaon

groupssitusedinanotherstate‐‐IIDhasgrantedsimilarexemptionsIowa

law/reg.Rateincr easejurisdictionbelongstothe issuin gstateforgroup

policies.

6.82% 6.82%Proposal*filed*byIID

5/4/2020Cat holicOrderofForesters FCLTC‐IA‐‐ thisis*NOT*arateincrease.Itissi mp l y anupdatedprojec tionof

experience.

0.00% 0.00%0.00%5/4/2020

4/22/2020MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_Old),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐

IID/INSmodifiedtheproposaltospreadtherateincreaseoutover2‐years,i.e.,

10%foryear1followedby9.96%foryear2.

20.96% 10.00%10.00%7/1/2020

4/22/2020MetropolitanLifeInsuranceCompany

FormLT C ‐FAC‐IA(V IP1),LT C ‐VAL‐IA,LT C ‐IDEAL‐IA,LT C ‐PREM‐IA‐‐ 6.77% 6.77%6.77%7/1/2020

4/10/2020BrighthouseLifeInsuranceCom pany H‐LTC2J ‐36 ‐‐IIDagreedtoa2‐yearphaseofthisproposalintheformof23%

foryear1followedby23%foryear2.

51.29% 23.00%23.00%7/11/2020

3/27/2020TheStateLifeInsuranceCom pany SA35(IA) ‐R‐‐ thisisnotastand alonelongtermcarecontract .Thisisalong

termcareextensionbenef itattachedtoadef erredannuitycontract.There

areZEROIowapoliciesinforceaffectedbythisfiling.

0.00% 0.00%0.00%

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Date

Pr oposed N egotiat edIncrease

3/17/2020MetropolitanLifeInsuranceCompany 3ratefilingsforgrouplongtermcare‐‐ situsedinWash ington D.C. ‐‐IIDhasno

authorit y andwillaccept D.C.rat ereview.

10.00% 10.00%Proposal*filed*byIID

3/16/2020NewYor kLifeInsuranceCompany FormsILTC‐4300etal‐‐IID/INSsecured3‐yearphaseoftheincrease.Limited

the80%proposalto21.64%foreachyear(for3)andthe45%proposal

becomes13.18%foreachyear(for3)

80.00% 21.64%21.64%6/1/2020

3/16/2020NewYor kLifeInsu ranceCom pany FormsILTC‐5000(IA)(1001)‐‐IID/INSsecu red3‐yearphaseoftheincr ease.

Limitedthe80%proposalto21.64%foreachyear(for3)andthe45%proposal

becomes13.18%foreachyear(for3)

49.10% 21.64%21.64%6/1/2020

2/18/2020Guarant eeTrustLifeInsuranceCompany G0100etalTheIID&INSmodif idedthisproposalto17.9%baseduponseveral

conc erns.Com panymayre‐fileforremainder.

41.00% 17.90%17.90%5/1/2020

2/12/2020TimeInsu ranceCom pany Forms4060‐IA,4061‐IA,4062‐IA,4063‐IA|IIDandINSnegotiatedtheincrease

to17.9%year1x17.9%year2(versustheoriginal138.5%proposal)

138.50

17.90%17.90%5/1/2020

1/29/2020ContinentalGeneralInsuranceCompany Forms405,420,435‐‐Originalproposal=12.9%average[min=0%,

max=19.8%],however,theIID/INSmodifiedit to:10.3%on328policies&0%

on168policies=6.9%average

12.90% 6.90%6.90%4/1/2020

1/29/2020ContinentalGeneralInsuranceCompany Forms440,445,460,461,470,471‐‐Originalproposalwas121.3%with

min/max{26%,204.6%},however,theIID/INSmodifieditto:17.9%Y1,

10.26%Y2_mi n/ma x(26%,30%)over2‐yrs

121.30

17.90%17.90%4/1/2020

1/27/2020AmericanFamily Mut ualInsuranceCom pany FormH ‐350‐‐theoriginalproposalwas71.23%,however,theIID&INS

modifiedtheproposaldownto17.9%foryear1and10.26%for year2.

71.23% 17.90%17.90%6/22/2020

1/22/2020UnitedSecurityAssuranceCom panyof Pennsylvania FormsPAL ‐1,PAL‐1(02)R,QLT‐1,QLT‐1(02)Retal  ‐‐‐Or iginalproposalwas

134.2%,however,theIIDwasabletomodifythisproposalto17.9%foryear1

followedby10.26%foryear2

134.20

17.90%17.90%4/1/2020

1/14/2020UnionSecurityInsuranceCompany Forms6062‐IA,6063‐IA,7062‐IA‐‐IIDandINSne g o t i a t e dthisproposaldown

to39%maxover2‐years,i.e.,17.9%foryear1followedby17.9%foryear2

(versustheoriginal79%proposal)

79.00% 17.90%17.90%3/1/2020

1/14/2020UNUMLifeInsuranceCom panyof America FormsLTC94,LTC94Qetal‐‐landingspotfiling.IID&INSsecureda2‐year

phase,I.e.,45%orig inalcellto30%MODover2‐years@17.9%Y1x10.26Y2

25%originalcellto17.9%Y1x6%Y2.Alarg e#of cellswerealready @0%.

3.00% 2.20%2.20%4/1/2020

1/2/2020SILACInsuranceCompany Policy SeriesLTC2020IA‐‐theIIDandINSnegotiatedthisproposalfrom25%

(asfiled)downto17.9%

25.00% 17.90%17.90%3/1/2020

40.97% 11.97%AveragerateincreaseofLTCfilingsforCY2020===>>>>

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

12/30/2019MutualofOmahaInsuranceCompany FormsLT50,HCAplusnumerousotherforms‐‐theseareupdatedprojections

involvingapreviousratefiling.Thisis*NOT*arateincr ease

0.00% 0.00%Proposal*filed*byIID

12/24/2019MutualofOmahaInsuranceCom pany FormLTC04Iandnumerousotherforms‐‐theseareupdatedprojec tions

involvingapreviousratefiling.Thisis*NOT*arateincr ease

0.00% 0.00%Proposal*filed*byIID

12/16/2019PrincipalLifeInsuranceCom pany FormsFR142,FR601 ‐‐IIDandINSnegotiatedthelifetimebenefitproposal

from35.2%downto30%over2‐years,I.e.,17.9%year1followedby10.26%

foryear2.

35.20% 17.90%17.90%2/1/2020

12/16/2019PrincipalLifeInsuranceCom pany FR1240andFR406IA‐1‐‐ IIDandINSnegotiatedthelifetimebenefitproposal

from38.41%downto30%over2‐years,I.e.,17.9%year1followedby10.26%

foryear2.

38.41% 17.90%17.90%2/1/2020

12/6/2019StateFarmMut ualA utomobileInsuranceCompany Form97058IA ‐‐thisisNOTarateincr easefiling.Thisissimplyanupdated

projectionofexperi encerelatedtoapreviousra t efiling.

0.00% 0.00%Proposal*filed*byIID

12/4/2019Woodmenof theWorldLifeInsuranceSociety Form335‐14‐0106and340‐14‐0106 7.70% 7.70%7.70%2/1/2020

11/20/2019CountryLifeInsuranceCompany FormLTC‐300(IA02/98)‐‐IIDandINSnegotiatedthisproposaldownfrom35%

(asoriginallyproposed)downto17.9%year1followedby17.9%year2(for

the55%cell)and17.9%year1followedby10.26%forthe35%cells.15%is

approved'asis' .

35.00% 17.90%17.90%1/1/2020

11/15/2019PrudentialInsuranceCompanyofAmerica Form83500BFW5005‐‐ IID/INSmodifiedtheproposalto17.9%vs.the

original19%proposal.

19.00% 17.90%17.90%1/1/2020

11/15/2019PrudentialInsuranceCompanyofAmerica FormGR P83500COV5022 10.00% 10.00%10.00%1/1/2020

11/15/2019PrudentialInsuranceCompanyofAmerica FormGRP113290‐‐ IID/INSmodifiedthisproposalfr om67.3%(asfiled)down

to17.9%foryear1followedby17.9%foryear2(forthemaxcell).15%fornon‐

inflationpoliciesapprovedasis.

67.30% 17.90%17.90%1/1/2020

11/15/2019PrudentialInsuranceCompanyofAmerica GRP112202||FormILTC‐2 ‐‐ IID/INSmodifiedthisproposalfrom94.7%(as

filed)downto17.9%foryear1followedby17.9%foryear2(forthemaxcell).

94.70% 17.90%17.90%1/1/2020

11/15/2019PrudentialInsuranceCompanyofAmerica GRP113290||FormILTC‐3 ‐‐ IID/INSmodifiedthisproposalfrom77.1%(as

filed)downto17.9%foryear1followedby17.9%foryear2(forthemaxcell).

77.10% 17.90%17.90%1/1/2020

11/15/2019PrudentialInsuranceCompanyofAmerica GRP99183||FormILTC‐1 ‐‐IID/INSmodifiedthisproposalfrom106%(as

filed)downto17.9%foryear1followedby17.9%foryear2(forthemaxcell).

106.00

17.90%17.90%1/1/2020

11/1/2019CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC‐‐IID/INSmodifiedtheproposalto17.9%baseduponseveral

conc erns.

34.30% 17.90%17.90%1/1/2020

11/1/2019CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP(IA)‐‐IID/INSmodifiedtheproposalto17.9%based

uponseveralconcerns.

40.50% 17.90%17.90%1/1/2020

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

10/29/2019TIAA‐CREFLif eInsuranceCompany TCL‐LTC.04(IA)Ed.4/00etal‐‐

TheIIDandINSnegotiatedthe29.82%originalproposaldownto17.9%for

year1followedby10.1%foryear2

29.82% 17.90%17.90%1/1/2020

10/29/2019MetropolitanLifeInsuranceCompany TCL‐LTC.04(IA)Ed.4/00etal‐‐

TheIIDandINSnegotiatedthe29.82%originalproposaldownto17.9%for

year1followedby10.1%foryear2

29.82% 17.90%17.90%1/1/2020

10/2/2019AbilityInsuranceCom pany Forms3358,LT690,LT691,LT692,LT694,LT695,LT696,LT698,LT201‐‐ IIDand

INSnegotiatedthe35%incr easesdownto30%tobespreadoutover2years

@17.9%year1followedby10.26%foryear2

35.00% 17.90%17.90%1/1/2020

9/4/2019UNUMLifeInsuranceCom panyof America FormsB.LTC,TQB.LTC,GLTC95andTQGLTC95‐‐TheIIDandINSnegotiatedthis

proposalfrom32%asfiled(0%min,107.8%ma x)downto17.9%foryear1

followedby10.2%foryear2.Thisproducesanoverallav erageof9.62%

32.00% 9.62%9.62%12/1/2019

9/4/2019UNUMLifeInsuranceCompanyof A merica Policy SeriesGLTC04‐‐TheIIDandINSnegotiat edthisproposalfrom17.3%as

filed(0%min,89%max)*downto*17.9%foryear1followedby10.2%for

year2.Ti sproducesanoverallav erageof8.6%.

17.30% 8.60%8.60%12/1/2019

8/12/2019AllianzLifeInsuranceCompanyofNorthAmerica Form10‐P‐Q‐IA(Group3) ‐‐ Otherform:11‐P‐Q‐IA‐‐ ThisisNO Tarateincr ease,

butrat heranupdatedprojectionofexperiencerelatedtoapreviousrat efiling.

0.00% 0.00%Proposal*filed*byIID

8/6/2019MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(VIP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA ‐‐

thisisNOTarateincrease,butrat herupdatedprojec tionsofexperiencefroma

priorfiling.

0.00% 0.00%Proposal*filed*byIID

7/8/2019Guarant eeTrustLifeInsuranceCompany FormG0200,G0280,G0600,G0680 ‐‐ IIDandINSnegotiatdthisproposalfrom

52%(asproposed)toasmaller2‐yearphasedinsc hedule,i.e.,17.9%for2019

and10.26%for2020

52.00% 17.90%17.90%9/1/2019

6/24/2019MedA mericaInsuranceCom pany Form14515‐IA‐‐IID/INSnegotiatedthisto17.9%maxproduc ing11.6%

average

33.20% 11.60%11.60%9/1/2019

6/18/2019MetropolitanLifeInsuranceCompany Extrat erritorialrat eincreaseacceptedinIowaongroupssitusedinNY ‐‐but

nowresidentsof Iowa.NewYork Departm entofInsuranceapproved5%on

January28,2019.Iowagrantedtheexemptionissueunder507A.4

5.00% 5.00%Proposal*filed*byIID

6/18/2019Cat holicOrderofForesters FCLTC‐IA‐‐ IIDandINSmodifidedthisproposalfr o m 40%(asfiled)downto17%

foryear1followedby17%foryear2.

40.00% 17.00%17.00%9/1/2019

6/13/2019MetropolitanLifeInsuranceCompany Extrat erritorialrat eincreaseacceptedinIowaongroupssitusedinNY ‐‐but

nowresidentsof Iowa.NewYork Departm entofInsuranceapproved15%on

January28,2019.Iowagrantedtheexemptionissueunder507A.4

15.00% 15.00%Proposal*filed*byIID

6/13/2019TeachersInsuranceandAnnuityAssociationofAmerica Extrat erritorialrat eincreaseacceptedinIowaongroupssitusedinNY ‐‐but

nowresidentsof Iowa.NewYork Departm entofInsuranceapproved15%on

January28,2019.Iowagrantedtheexemptionissueunder507A.4

15.00% 15.00%Proposal*filed*byIID

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

5/20/2019Nort hwesternLongTermCareInsuranceCom pany FormRR.LTC.( 0798)etal‐‐thisisNOTarateincrease.Itissimplyanupdated

projectionofexperi encebaseduponinformationfromapreviousratefiling.

0.00% 0.00%0.00%5/20/2019

5/15/2019UnitedofOmahaLifeInsuranceCompany FormLTC06UI‐TQetal‐‐IIDandINSnegotiatedthisrateproposaldownfrom

6.6%onaverage[min=0%,max=31.3%]downto6.5%bycappingcell

increases17.9%foryear1followedby10.26%foryear2.

6.60% 6.50%6.50%7/1/2019

5/15/2019MutualofOmahaInsuranceCompany PolicySeriesLTC04G‐‐IIDandINSnegotiatedthi srateproposaldownfrom

10.7%onaverage[min=0%,max=19.4%]downto10%bycappingcell

increases17.9%max.

10.70% 10.00%10.00%7/1/2019

5/14/2019GenworthLif eInsuranceCompany Form7000PCSIwithlifetimebenefits||IIDandINSnegotiatedthisfrom

72%asfileddownto17.9%Y1x17.9%Y2

72.00% 17.90%17.90%7/1/2019

5/14/2019GenworthLif eInsuranceCompany Form7000PCSIwithlimitedbenefits||IIDandINSnegotiatedthisfrom55%

asfileddownto17.9%Y1x17.9%Y2

55.00% 17.90%17.90%7/1/2019

5/14/2019GenworthLif eInsuranceCompany Form7030PCSIIwithlifetimebenefits||IIDandINSnegotiatedthisfrom

72%asfileddownto17.9%Y1x17.9%Y2x17.9%Y3

72.00% 17.90%17.90%7/1/2019

5/14/2019GenworthLifeInsuranceCompany Form7030PCSIIwithlimitedbenefits||IIDandINSnegotiatedthisfrom

55%asfileddownto17.9%Y1x17.9%Y2

55.00% 17.90%17.90%7/1/2019

5/14/2019GenworthLif eInsuranceCompany Form7035ChoiceIwithlifetimebenefits||IIDandINSnegotiatedthisfrom

72%asfileddownto17.9%Y1x17.9%Y2x17.9%Y3

72.00% 17.90%17.90%7/1/2019

5/14/2019GenworthLif eInsuranceCompany Form7035ChoiceIwithlimitedbenefits||IIDandINSnegotiatedthisfr om

55%asfileddownto17.9%Y1x17.9%Y2

55.00% 17.90%17.90%7/1/2019

5/14/2019GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐‐Non‐AARPpolicesonly

IIDandINSnegotiatedthisproposalfrom27.3%downto17.9Y1x1.08Y2(2‐

year)

27.30% 17.90%17.90%7/1/2019

5/14/2019GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐‐AARPpolicesonlyIID

andINSnegotiatedthisproposalfrom31%downto17.9Y1x10.26Y2(2‐year)

31.00% 17.90%17.90%1/1/2019

5/14/2019GenworthLif eInsuranceCompany Forms5000,6484Pre‐PCSIwithlifetimebenefits||IIDandINSnegotiated

from99%downto17.9%Y1x17.9%Y2.

99.00% 17.90%17.90%1/1/2019

5/14/2019GenworthLif eInsuranceCompany Forms5000,6484Pre‐PCSIwithlimitedbenefits||IIDandINSnegotiated

from49%downto17.9%Y1x17.9%Y2.

49.00% 17.90%17.90%1/1/2019

5/1/2019KanawhaInsuranceCom pany Forms820001/01IAand821209/01IA‐‐Projectname:LTC3RateS t abilit y 

InformationalFiling2018‐‐thisisNO Tarat eincrease,butratherupdated

projectionsbaseduponapriorfiling.

0.00% 0.00%0.00%5/1/2019

4/10/2019RiverSourceLifeInsuranceCompany 30160A‐32100(wit hendorsement)IIDandINSmodifedtheproposaltobe

17.9%maxforyear1followedby10.26%foryear2(forbothlifet imeand

limit edbenef its)

53.60% 17.90%17.90%6/1/2019

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

4/10/2019RiverSourceLifeInsuranceCompany 30225‐IAwith1997revisedrates ‐‐IIDandINSmodifedtheproposaltobe

17.9%maxforyear1followedby10.26%foryear2(forbothlifet imeand

limit edbenef its)

66.50% 17.90%17.90%6/1/2019

4/10/2019RiverSourceLifeInsuranceCompany Form30160‐A‐IA‐‐IIDandINSmodifedtheproposaltobe17.9%maxforyear

1followedby10.26%foryear2(forbothlifetimeandlimitedbenefits)

54.90% 17.90%17.90%6/1/2019

4/10/2019RiverSourceLifeInsuranceCompany Form30225‐IA‐‐IIDandINSmodifedtheproposaltobe17.9%maxforyear1

followedby10.26%foryear2(lifetimebenefits).Forlimit edbenefits,the

increaseis17.9%maxforyear1followedby7.3%maxforyear2.

41.70% 17.90%17.90%6/1/2019

4/10/2019RiverSourceLifeInsuranceCompany Forms32040and30240‐IA 15.70% 15.70%15.70%6/1/2019

3/18/2019AllianzLifeInsuranceCom panyof NorthAmerica Form10‐P‐Q‐IA(Group3) ‐‐Otherform:11‐P‐Q‐IA‐‐IIDmodifiedtheproposal

from21.4%(asfiled)downto17.9%forinflat ionpolicies.(Thisgeneratesan

overallaverageof 11.5%)

21.40% 11.50%11.50%7/1/2019

3/18/2019MedA mericaInsuranceCom pany FormBCBSLTC 46/88etal‐‐IIDandINSnegotia tedthisproposalfrom249.7%

onaveragedownto17.9%foryear1followedby10.26%foryear2

249.70

17.90%17.90%7/1/2019

3/18/2019MedA mericaInsuranceCom pany FormLTCNQ12( 8/2000)IA ‐‐ IIDandINSnegotiatedthisproposalfrom140%

onaveragedownto17.9%foryear1followedby10.26%foryear2

140.00

17.90%17.90%7/1/2019

3/18/2019CentralStatesHealth&LifeCo.ofO maha N01,N02,N03,N04,N 05,N08,N11,N12_IIDandINSnegotiatedthisproposal

from201%onaveragedownto17.9%foryear1followedby10.26%foryear2

201.00

17.90%17.90%7/1/2019

3/12/2019Transamerica LifeInsuranceCom pany_Compact ICC10TLC‐3‐‐InterstateCom pactrat efiling.Landingspotfiling=premiums

remainsthesameifpolicyholderc hooseslowercompoundinflationfactor.

Otherwise,increaseisphased‐inover2‐yearsiftheychoosetokeepthe

originalinflat ionfactor

42.30% 19.30%19.30%7/1/2019

3/6/2019AmericanGen eralLifeInsuranceCom pany Form64028‐IA ‐‐ theIIDandINSnegotiatedthisratefilingfrom25%as

originally fileddownto17.9%

25.00% 17.90%17.90%7/1/2019

2/27/2019AmericanFamily Mut ualInsuranceCom pany FormH ‐350‐‐theoriginalproposalof 25.84%wa smodifieddownto17.9%by

theIID/INS

25.84% 17.90%17.90%5/1/2019

2/21/2019AmericanFamily Mut ualInsuranceCom pany FormH ‐350‐‐thisis*NOT*arateincr ease,butrat herupdatedprojec tions

relatedtoapreviousratefiling.

0.00% 0.00%0.00%2/21/2019

2/20/2019JohnHancockLifeInsuranceCom pany FormLTC‐06IA ‐‐IIDandINSnegotiatedthispr oposalfrom26.9%asfileddown

to17.5%.Thisisthe1s tincreaseonthisblockofbusiness.

26.90% 17.50%17.50%5/1/2019

2/20/2019JohnHancockLifeInsuranceCompany FormsP‐FACE(2002‐2)etal ‐‐incr easeappliestonon‐inflat ionpoliciesonly.

Thisdoesnotaffectthelandingspotfilingsprev iouslyapproved.IIDandINS

negotiatedthisfrom18.2%av g(1%min,26.5%max)downto17.5%maxby

cell.

18.20% 17.50%17.50%5/1/2019

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

1/23/2019SILACInsuranceCompany Forms2002,2002,2002+,2002(97),2002+(97)‐‐originalproposalis120.6%‐‐

IIDandINSnegotiatedthisproposalto17.9%fo r year1and10.26%foryear2.

120.60

17.90%17.90%4/1/2019

1/9/2019BrighthouseLifeInsuranceCom pany H‐LTC2J ‐36,etal 13.70% 13.70%13.70%3/1/2019

1/9/2019BrighthouseLifeInsuranceCom pany H‐LTC3J ‐1,etal 12.40% 12.40%12.40%3/1/2019

1/9/2019BrighthouseLifeInsuranceCom pany H‐LTC3JFO20,etal 12.80% 12.80%12.80%3/1/2019

1/9/2019BrighthouseLifeInsuranceCom pany H‐LTC3J FQ,et al 5.80% 5.80%5.80%3/1/2019

1/9/2019BrighthouseLifeInsuranceCom pany H‐LTC3J P5,etal 11.90% 11.90%11.90%3/1/2019

1/9/2019BrighthouseLifeInsuranceCom pany H‐LTC3J Q,etal 5.60% 5.60%5.60%3/1/2019

1/9/2019BrighthouseLifeInsuranceCom pany H‐LTC4J FQ6,etal 5.50% 5.50%5.50%3/1/2019

1/9/2019BrighthouseLifeInsuranceCom pany H‐LTC4J Q,etal 8.80% 8.80%8.80%3/1/2019

1/8/2019MetropolitanLifeInsuranceCompany

FormLT C ‐FAC‐IA(V IP1),LT C ‐VAL‐IA,LT C ‐IDEAL‐IA,LT C ‐PREM‐IA‐‐ 5.40% 5.40%5.40%3/1/2019

1/3/2019GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐‐AARPpolicesonly.This

isnotarateincrease,butrat her‐‐updatedprojec tionsfromapreviousrate

filing

0.00% 0.00%Proposal*filed*byIID

1/3/2019GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐‐‐NO N‐AARPpolicesonly.

Thisisnotarateincr ease,butrather‐‐ updatedprojectionsfromaprevious

ratefiling

0.00% 0.00%Proposal*filed*byIID

38.54% 12.87%AveragerateincreaseofLTCfilingsforCY2019===>>>>

12/31/2018MutualofOmahaInsuranceCom pany FormLTC04Iandnumerousotherforms‐‐theseareupdatedprojec tions

involvingapreviousratefiling.Thisis*NOT*arateincr ease

0.00% 0.00%Proposal*filed*byIID

12/31/2018UnitedofOmahaLifeInsuranceCompany FormLTC06UI‐TQetal‐‐updatedprojectionfromapreviousratefiling‐‐ thisis

notarateincr easefiling

0.00% 0.00%Proposal*filed*byIID

12/31/2018MutualofOmahaInsuranceCompany PolicySeriesLTC04G‐‐theseareupdatedprojectionsinvolvingapreviousrate

filing.Thisis*NOT*arateincrease

0.00% 0.00%Proposal*filed*byIID

12/17/2018ProvidentLifeandAcc identInsuranceCompany FormsR LTC03,RLTCP03,LTC03,LTCP03&LTCT03‐‐ thisis*NOT*arat e

increaseproposal.Itissim p lyupdatedprojec tionsfromapreviousratefiling.

0.00% 0.00%Proposal*filed*byIID

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Date

Pr oposed N egotiat edIncrease

12/14/2018ContinentalCasualtyCompany Leadform:P1‐N0080‐A14etalIIDandINSnegotiatedtheproposaldownto

17.9%forpolicieswithinflation‐‐0%forallothers.

85.10% 17.90%17.90%2/1/2019

12/13/2018StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐thisisNOTa rateincreasefiling.Thisissimplyanupdated

projectionofexperi encerelatedtoapreviousra t efiling.

0.00% 0.00%Proposal*filed*byIID

12/13/2018StateFarmMut ualAutomobileInsuranceCompany Form97059IA ‐‐thisisNOTa rateincreasefiling.Thisissimplyanupdated

projectionofexperi encerelatedtoapreviousra t efiling.

0.00% 0.00%Proposal*filed*byIID

12/3/2018LincolnBenefitLifeCompany LB‐6302‐P‐IA(Q)&(NQ),LB‐6303‐P‐IA(Q)&(NQ),LB‐6301‐P‐IA(Q)&(NQ)||TheIID

negotiatedthefilingfrom20%asor iginallyfileddownto17.9%

20.00% 17.90%17.90%3/1/2019

11/29/2018AmericanFidelityAssuranc eCompany FormNC C 1/97‐IA,LTC1/97‐IA,WBNC C 9/97‐ IA 5.20% 5.20%5.20%6/1/2019

11/29/2018AmericanFidelityAssuranc eCompany PSINC C(4/99)IA,PSIQCC( 4/99)IA,PSINTLC (4/99)IA,PSIQLTC(4/99)IA

===>>IID&INSnegotiatedthisproposalto17.9%forpolicieswithlifetime

benef its;originalproposalwas35%.Allotherpoliciesget 0%.

33.40% 17.10%17.10%2/1/2019

11/27/2018MetropolitanLifeInsuranceCompany 1LTC‐97&2LTC‐97‐‐updatedprojectionsonly.Thisisnotarateincr easefiling

onexi stingpolicies.

0.00% 0.00%Proposal*filed*byIID

11/27/2018MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(V IP2_Old),LTC2‐VAL‐IA,LTC2 ‐IDEAL‐IA,LTC2‐PREM‐IA‐‐

updatedprojec tionsonly.Thi sisnotarateincreasefilingonexistingpolicies.

0.00% 0.00%Proposal*filed*byIID

11/27/2018MetropolitanLifeInsuranceCompany

FormLT C ‐FAC‐IA(V IP1),LT C ‐VAL‐IA,LT C ‐IDEAL‐IA,LT C ‐PREM‐IA‐updated

projectionsonly.Thisisnotarat eincreasefilingonexistingpolicies.

0.00% 0.00%Proposal*filed*byIID

11/14/2018StateFarmMut ualAutomobileInsuranceCompany Form97045IA.1‐‐IIDandINSnegotiatedthisproposalfrom23%(average)to

amaximumcellincreaseof17.9%The17.9%capproducesanoverallav erage

of11.6%

23.60% 11.60%11.60%5/1/2019

11/14/2018StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐IIDandINSnegotiatedthisproposalfrom20.5%(av erag e)toa

maximumcellincr easeof17.9%.The17.9%capproducesanoverallav erageof

10.7%

20.50% 10.70%10.70%5/1/2019

10/12/2018NewYor kLifeInsu ranceCom pany FormsILTC‐5000(IA)(1001)‐‐thisisanupdatedprojectionbasedupona

previousratefiling.Itis*NOT*arateincrease

0.00% 0.00%Proposal*filed*byIID

10/12/2018PrudentialInsuranceCompanyofAmerica GRP99183||FormILTC‐1

GRP112202||FormILTC‐2

GRP113290||FormILTC‐3

Updatedprojectionof experienceonly‐‐ thisis*NOT*arateincrease.

0.00% 0.00%Proposal*filed*byIID

10/11/2018SeniorHealthInsuranceCompanyof Pennsylvania ATL‐FQ‐LTCetal‐‐ IIDandINSnegotiatedthisfr o m 25%(asproposed) downto

17.9%year1,and6.02%year2

25.00% 17.90%17.90%1/1/2019

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Date

Pr oposed N egotiat edIncrease

10/11/2018SeniorHealthInsuranceCompanyof Pennsylvania ATL‐FQ‐LTCetal‐‐ IIDandINSnegotiatedthisfr o m 30%(asproposed) downto

17.9%year1,and10.26%year2forthosenotelecting'freeze/drop'.If

polic yholderelects'freeze/drop'‐‐theygeta30 % *DECREAS E*inrates.

30.00% 17.90%17.90%1/1/2019

10/10/2018MedA mericaInsu ranceCom pany FormNTQ11‐337‐MA‐IA‐401

LTQ11‐336‐MA‐IA‐401,HTQ11‐338‐MA‐IA‐401‐‐FormLTC‐LBP8‐IAetal ‐‐IID

andINSnegotiatedthisproposalfrom102.8%asfileddownto30%over2‐

years,i.e.,17.9%year1x10.26%year2

102.80

17.90%17.90%12/1/2018

10/10/2018MedA mericaInsuranceCom pany FormSPL‐336‐‐ IIDandINSnegotiatedtheincreasefrom50.3%(asproposed) 

downto17.9%

50.30% 17.90%17.90%12/1/2018

10/10/2018MedA mericaInsuranceCom pany GRP11‐342‐MA ‐IA‐401 ‐‐ IIDandINSnegotiatedthisproposalfrom65.6%down

to30%over2‐years,i.e.,17.9%year1x10.26%year2

65.60% 17.90%17.90%12/1/2018

9/25/2018Massac h usettsMutualLifeInsuranceCom pany FormMM‐200‐P‐IA‐‐ theIIDandINSmodifiedthisproposalfrom81%asfiled

downto15%

81.00% 15.00%15.00%12/1/2018

9/18/2018ContinentalGeneralInsuranceCompany FormsL‐6000andLTC‐020201‐‐IIDandINSneg otiatedthisproposaldownfrom

66.5%(asfiled)downto17.9%

66.50% 17.90%17.90%11/1/2018

8/28/2018MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(V IP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA ‐‐

thisisNOTarateincrease,butrat herupdatedprojec tionsofexperiencefroma

priorfiling.

0.00% 0.00%Proposal*filed*byIID

8/23/2018CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC

3.00% 3.00%3.00%10/1/2018

8/10/2018Phy siciansMut ualInsuranceCompany FormsP103,P104etal‐‐ Origproposalwas81%subjecttominof 0%to122%

bytype.IDandINSmodifiedtheproposalto17.9%maxforyear1and10.26%

maxforyear2.(11.89%istheyear1average)

81.00% 11.89%11.89%10/1/2018

8/10/2018Phy siciansMut ualInsuranceCompany FormsP105/P109etal ‐‐Origproposalwas44 % subjecttominof 0%to

110%bytype.IDandINSmodifiedtheproposalto17.9%maxforyear1and

10.26%maxforyear2.(8.05%istheyear1average)

44.00% 8.05%8.05%10/1/2018

8/10/2018Phy siciansMut ualInsuranceCompany FormsP124etal‐‐Origproposalwas70%su bjecttominof30%to116%by

type.IDandINSmodifiedtheproposalto17.9%foryear1and10.26%for

year2.(17.9%istheyear1average)

70.00% 17.90%17.90%10/1/2018

8/10/2018Phy siciansMut ualInsuranceCompany FormsP130IA,P131IAetal‐‐Origproposalwas104%subjecttominof82%to

122%bytype.IDandINSmodifiedtheproposalto17.9%foryear1and

10.26%foryear2.(17.9%istheyear1average)

104.00

17.90%17.90%10/1/2018

8/10/2018Phy siciansMut ualInsuranceCompany FormsP145,P146etal‐‐Origproposalwas29%subjecttominof 0%to80%

IIDandINSmodifiedtheproposalto17.9%maxforyear1and10.26%maxfor

year2.(13.57%istheyear1average)

29.00% 13.57%13.57%10/1/2018

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Date

Pr oposed N egotiat edIncrease

7/25/2018AllianzLifeInsuranceCompanyofNorthAmerica Form10‐P‐Q‐IA(Group3) ‐‐ Thisisnotarateincrease.Itissimplyanupdated

projectionofexperi ence.

0.00% 0.00%0.00%1/1/2019

7/25/2018AllianzLifeInsuranceCom panyof NorthAmerica Form11‐P‐Q‐IA‐‐ Thi sisnotarateincr ease.Itissimplyanupdatedprojec tion

ofexperi ence.

0.00% 0.00%0.00%1/1/2019

7/12/2018CMFGLifeInsuranceCom pany Form97‐LTC‐HHC1(IA),2002‐LTC‐FAC(IA),2002‐LT C R ‐HCC,2006‐LTC‐COMP(IA)‐‐

updatedprojec tionsonly.Thi sis*NOT*arateincreasefiling.

0.00% 0.00%0.00%10/1/2018

7/9/2018UNUMLifeInsuranceCompanyof America FormsB.LTC,TQB.LTC,GLTC95andTQGLTC95‐‐thisproposalrepresentsphase

4oftheincreasethatstartedin2012.IIDandINSeffect iv ely negotiateda6‐

yearphasewiththepriormodifications.Thisproposalswasmodifiedfrom19%

asfiledto17%

19.00% 17.00%17.00%10/1/2018

6/5/2018Transamer icaLifeInsuranceCompany FormsTLC1‐FP(IA )1001‐‐updatedprojectionsbaseduponapreviousrat e

filing.Thisfilingisnotarateincrease.

0.00% 0.00%0.00%6/5/2018

6/4/2018LincolnNationalLifeInsuranceCom pany FormHL‐2500AA(8/90)etal ‐‐ Orig inalproposalwas30%,however,theIID

wasabletonegotiateit to9%duetovariousfa c t o r s .

30.00% 9.00%9.00%9/1/2018

5/30/2018JohnHancockLifeInsuranceCompany FormsLTC‐91etal‐‐ IID/INSnegotiated‐‐increaseiseliminatedif

polic yholderacceptsreducedinflationlandingsp o t . Otherwise,theincreaseis

phased‐inover3‐yearsrangingfrom4.2%to15% maxperyear.Non‐inflation

capped@15%.

32.80% 15.00%15.00%8/1/2018

5/23/2018MutualofOmahaInsuranceCompany Lifetimebenefits:FormsHCA( NH50,LT50,HCAQ,NHA,NHAQ,LTA,LTAQ) 10.20% 10.20%10.20%9/1/2018

5/21/2018StateFarmMut ualA utomobileInsuranceCompany Form97059IA ‐‐IIDandINSnegotiatedtheoriginal18.3%averageproposal

(withindividualcellsrangingfrom0to40%)downtoanaverageof12.8%‐‐by

cappingmaxcellsto17.9%

18.30% 12.80%12.80%7/1/2018

5/15/2018UnitedSecurityAssuranceCom panyof Pennsylvania FormsPAL ‐1,PAL‐1(02)R,QLT‐1,QLT‐1(02)Retal  ‐‐‐Or iginalproposalwas20%,

however,theIIDwasabletomodifythisproposalto17.9%fortheremaining

Iowapoliciesinforce.

20.00% 17.90%17.90%7/1/2018

5/8/2018ContinentalGeneralInsuranceCompany Forms1LTCIPand2LTCIP,4LTCIP‐‐IIDandINSmo d i f i e d theoriginalproposal

(50.3%)to17.9%foryear1and10.26%foryear2

50.30% 17.90%17.90%7/1/2018

5/7/2018JohnHancockLifeInsuranceCom pany FormICC10‐LTC‐11(Interst at eCompactratefiling) 19.40% 10.50%10.50%10/1/2018

5/7/2018ContinentalGen eralInsuranceCompany Forms440,445,460,461,470,471 ‐‐IIDandINSmodifiedtheoriginalproposal

(231.1%)to17.9%foryear1and10.26%foryear2

231.10

17.90%17.90%7/1/2018

4/26/2018PrudentialInsuranceCompanyofAmerica GRP112202||FormILTC‐2 6.60% 6.30%6.30%7/1/2018

4/24/2018KanawhaInsuranceCom pany Forms806501/97IAand808801/98IA‐‐Projectname:KIC LTC2IA 17.50% 17.50%17.50%7/1/2018

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Date

Pr oposed N egotiat edIncrease

4/24/2018KanawhaInsuranceCom pany Forms820001/01IAand821209/01IA‐‐Projectname:KIC LTC3IA 17.50% 17.50%17.50%7/1/2018

4/24/2018PrudentialInsuranceCompanyofAmerica GRP99183||FormILTC‐1 21.80% 14.30%14.30%10/1/2017

4/23/2018Transamer icaLifeInsuranceCompany‐FKATransamerica

Premier

FormMLC1‐FP(IA )1001 ‐‐IIDandINSmodifiedtheproposaltoaphased‐in5‐

yearproposaleveryotheryear,i.e.,17%year1,year3,andyear5.

65.00% 17.00%17.00%7/1/2018

4/23/2018Transamerica LifeInsuranceCom pany‐FKATransamerica

Premier

FormML‐LTCPTQ(IA)197etal ‐‐ IIDandINSmo d i f i e d theproposaltoaphased‐

in3‐yearproposal,i.e.,17.9%year1,year2,andyear3.

115.00

17.90%17.90%7/1/2018

4/3/2018AmericanFamily Mut ualInsuranceCom pany FormH‐350‐‐theoriginalproposalwas48.37%subjectto20%minand76%

maxdependingonthecell.INSandIIDnegotia tedtheproposaldownto17.9%

48.37% 17.90%17.90%6/1/2018

4/3/2018ContinentalCasualtyCompany FormP1‐15203‐A14etal‐‐IIDandINSmodifiedthispropoalfrom30.93%

(min/maxof25%,40%)asfileddownto17.9%year1followedbyamax

increaseof10.26%.

30.93% 17.90%17.90%6/1/2018

3/23/2018AmericanFidelity Assu ranc eCompany FormNCC1/97‐IA,LTC1/97‐IA,WBNCC9/97‐ IA‐‐‐ IIDandINSnegotiated

the25%proposaldownto17.9%forGenIlifetimebenefitpolicies.15%

lifetimeGenIIand0%non‐lifetimewereapprovedasis.

13.60% 13.50%13.50%5/1/2018

2/27/2018UNUMLifeInsuranceCom panyof America FormsLTC94,LTC94Qetal‐‐landingspotfiling.Increaseis0%ifmember

electslowerinflat ion.Ifnoelecti on:5%com poundinflat ion=17.9%Y1and

10.2%Y2\\simpleinflat ion=17.9%Y1and5%Y2

24.00% 13.70%13.70%4/1/2018

2/20/2018Woodmenof theWorldLifeInsuranceSociety Form335‐14‐0106and340‐14‐0106‐‐ IIDandINSnegotiatedthe40%proposal

downto17.9%foryear1and10.26%inyear2.

40.00% 17.90%17.90%4/1/2018

2/20/2018ContinentalGeneralInsuranceCompany Forms405,420,435‐‐IIDandINSnegotiatedthisproposaldownto17.9%

year1followedby10.26%foryear2vstheoriginal84.4%proposal.

84.40% 17.90%17.90%4/1/2018

2/20/2018NassauLifeIns.Co.ofKansas(FKA PyramidLife) FormsC77andC78‐‐IIDandINSnegotiatedthis85%proposalto17.9%for

year1and10.2%foryear2forbenefitperiods>3years.Forbenefitperiodof 

3yearorless,it is17.9%foryear1and6%for year2.

85.00% 17.90%17.90%7/1/2018

2/16/2018PennsylvaniaLifeInsuranceCompany Forms1460,1490,P30,P35,P39,PL NHO,PLNHOQ‐‐ IIDandINSnegotiated

the88%av erageincr easedownto17.9%year1and10.2%year2.

88.00% 17.90%17.90%7/1/2018

2/12/2018Cat holicOrderofForesters FCLTC‐IA‐‐ IIDandINSnegotiatedthisproposalfrom19.66%(maxcell)downto

17.9%max.

19.66% 17.90%17.90%4/1/2018

1/10/2018TheStateLifeInsuranceCom pany FormS‐6000‐P‐IAandS‐8000‐P‐IA‐‐ thisproposalwasmodifiedto17.9%byIID

andINS‐‐versusthe41.89%av erageincr easeoriginally filed.

41.89% 17.90%17.90%3/1/2018

1/10/2018AbilityInsuranceCom pany Forms3358,LT690,LT691,LT692,LT694,LT695,LT696,LT698,LT201‐‐ IIDand

INSnegotiateddownward:90%(maximuminflationcell)downto19.9%Y1

andupto19.9%forY2(someY2cellsareless‐‐especially fornon‐inflation)

90.00% 19.90%19.90%3/1/2018

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Date

Pr oposed N egotiat edIncrease

1/2/2018LincolnBenefitLifeCompany FormLB‐7000‐P‐IA(Q)&(NQ)‐‐thisproposalwasmodifiedto15%byIIDand

INS‐‐versusthe20%originally filed.

20.00% 15.00%15.00%3/1/2018

35.49% 11.28%AveragerateincreaseofLTCfilingsforCY2018===>>>>

12/28/2017StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐thisisnotarateincrease,butrather‐‐ itisanupdated

projectionofexperi encefromapreviousrat efiling.

0.00% 0.00%Proposal*filed*byIID

12/27/2017StateFarmMut ualAutomobileInsuranceCompany Form97059IA ‐‐thisisNOTa rateincrease,butrather‐‐ updatedprojec tions

fromapriorratefiling.

0.00% 0.00%Proposal*filed*byIID

12/27/2017PrudentialInsuranceCompanyofAmerica GRP113290||FormILTC‐3 4.20% 4.20%4.20%3/1/2018

12/21/2017StateFarmMut ualAutomobileInsuranceCompany Form97045IA.1‐‐IIDandINSnegotiatedthisproposalfrom28%(average)to

amaximumcellincreaseof17.9%The17.9%capproducesanoverallav erage

of14.1%

28.00% 14.10%14.10%3/1/2018

12/21/2017StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐IIDandINSnegotiatedthisproposalfrom24.1%(av erag e)toa

maximumcellincr easeof17.9%.The17.9%capproducesanoverallav erageof

11.3%

24.10% 11.30%11.30%2/1/2018

12/21/2017GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐‐AARPpolicesonly.This

isnotarateincrease,butrat her‐‐updatedprojec tionsfromapreviousrate

filing

0.00% 0.00%Proposal*filed*byIID

12/21/2017GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐‐‐‐NO N‐AARPpolicesonly.

Thisisnotarateincr ease,butrather‐‐ updatedprojectionsfromaprevious

ratefiling

0.00% 0.00%Proposal*filed*byIID

12/20/2017UNUMLifeInsuranceCom panyof America FormsB.LTC,TQB.LTC,GLTC95andTQGLTC95|updatedprojectionsonly.Thi s

isNO Tarateincr ease.

0.00% 0.00%0.00%12/20/2017

12/14/2017MutualofOmahaInsuranceCom pany FormLTC04Iandnumerousotherforms‐‐theseareupdatedprojec tions

involvingapreviousratefiling.Thisis*NOT*arateincr ease

0.00% 0.00%Proposal*filed*byIID

12/14/2017UnitedofOmahaLifeInsuranceCompany FormLTC06UI‐TQetal‐‐updatedprojectionfromapreviousratefiling‐‐ thisis

notarateincreasefiling

0.00% 0.00%Proposal*filed*byIID

12/14/2017MutualofOmahaInsuranceCompany PolicySeriesLTC04G‐‐theseareupdatedprojectionsinvolvingapreviousrate

filing.Thisis*NOT*arateincrease

0.00% 0.00%Proposal*filed*byIID

11/22/2017BrighthouseLifeInsuranceCom pany H‐LT C 2 J ‐36‐‐ IIDandINSnegoat edthisfrom33.60%to17.50% 33.60% 17.50%17.50%1/1/2018

11/22/2017BrighthouseLifeInsuranceCom pany H‐LTC3J ‐1,etal‐‐ IIDandINSnegotiatedthisfrom32.10%to17.50% 32.10% 17.50%17.50%1/1/2018

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Date

Pr oposed N egotiat edIncrease

11/22/2017BrighthouseLifeInsuranceCom pany H‐LTC3JFO20,etal‐‐ IIDandINSnegotiatedthisfrom32.50%to17.50% 32.50% 17.50%17.50%1/1/2018

11/22/2017BrighthouseLifeInsuranceCom pany H‐LTC3J FQ,et al‐‐ IIDandINSnegotiatedthisfrom24.30%to17.50% 24.30% 17.50%17.50%1/1/2018

11/22/2017BrighthouseLifeInsuranceCom pany H‐LTC3J P5,etal ‐‐IIDandINSnegotiatedthisfr om31.50%to17.50% 31.50% 17.50%17.50%1/1/2018

11/22/2017BrighthouseLifeInsuranceCom pany H‐LTC3J Q,etal‐‐IIDandINSnegotiatedthisfrom24.10%to17.50% 24.10% 17.50%17.50%1/1/2018

11/22/2017BrighthouseLifeInsuranceCom pany H‐LTC4J FQ6,etal‐‐IIDandINSnegotiatedthisfrom24.00%to17.50% 24.00% 17.50%17.50%1/1/2018

11/22/2017BrighthouseLifeInsuranceCom pany H‐LTC4J Q,etal‐‐IIDandINSnegotiatedthisfr om27.80%to17.50% 27.80% 17.50%17.50%1/1/2018

11/21/2017AllianzLifeInsuranceCompanyofNorthAmerica Form10‐P‐Q‐IA(Group3) ‐‐

Thisisnotarateincr ease.Itissimplyanupdatedprojectionofexperience.

0.00% 0.00%0.00%1/1/2018

11/21/2017AllianzLifeInsuranceCompanyofNorthAmerica Form11‐P‐Q‐IA)‐‐thisisnotarateincrease.Itissimplyanupdatedprojec tion

ofexperi ence.

0.00% 0.00%0.00%1/1/2018

11/21/2017CountryLifeInsuranceCompany FormLTC‐300(IA02/98)‐‐IIDandINSnegotiatedthisproposaldownfrom75%

(asoriginallyproposed)downto17.9%for2018and10.26%for2019.

75.00% 17.90%17.90%1/1/2018

11/21/2017LifeSecureInsuranceCom pany LS‐0002IA07/07‐‐IIDandINSsuccessfullynegotiatedthisproposaldownto

17.6%vs.35%originalproposal.Orig inalproposalwassubjec ttomin/max

[2%,90%]

35.00% 17.60%17.60%1/1/2018

11/2/2017CMFGLifeInsuranceCom pany Form97‐LTC‐HHC1(IA),97‐LTC‐COMP‐‐Updatedprojectiononpreviousrate

filing ‐‐notanincr ease

0.00% 0.00%0.00%1/1/2018

10/5/2017GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐AARPpolicesonly,IID

andINSnegotiatedthisproposalfrom46%downto17.9%

46.00% 17.90%17.90%3/18/2018

10/5/2017GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐‐‐‐‐‐‐‐‐No n‐AARPpolicesonly

IIDandINSnegotiatedthisproposalfrom40%downto17.9%

40.00% 17.90%17.90%2/25/2018

10/4/2017SeniorHealthInsuranceCompanyof Pennsylvania ATL‐FQ‐LTCetal‐‐ IIDandINSnegotiatedthisfr o m 40%(asproposed) downto

17.9%year1,and10.26%year2forthosenotelecting'freeze/drop'.If

polic yholderelects'freeze/drop'‐‐theygeta40 % *DECREAS E*inrates.

40.00% 17.90%17.90%12/1/2017

9/13/2017RiverSourceLifeInsuranceCompany 30160A‐32100(wit hend orsement) 15.00% 15.00%15.00%11/1/2017

9/13/2017RiverSourceLifeInsuranceCompany Form30225‐IA 15.00% 15.00%15.00%11/1/2017

8/25/2017PennTr eatyNetworkAmericaLifeInsCo(ILHIGA ) Forms2400,2600,6000,ALP,ALP2,IL2IL4,IL5,IL94,LTC,LTC‐300etal‐‐IID

negotiated35%cap/yearuntilthecellincreasesareachieved.Iowa

Guarant y Assochastakenoverthisinsolvent carrier.(2‐years@35%will

cov ermost cells)

71.00% 35.00%35.00%10/1/2017

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

8/23/2017JohnHancockLifeInsuranceCompany FormsP‐FACE(2002‐2)etal ‐‐increaseiseliminatedforinflat ionpolicyholders

whoacceptthereducedlandingspot;policieswit hout inflat ionprotectionare

limit edto15%

27.70% 15.80%15.80%1/1/2018

8/15/2017NewYor kLifeInsu ranceCom pany FormsILTC‐5000(IA)(1001)‐‐thisisanupdatedprojectionbasedupona

previousratefiling.Itis*NOT*arateincrease

0.00% 0.00%0.00%

8/7/2017UNUMLifeInsuranceCom panyof America GroupLongTermCare‐‐ B.LTC,TQB.LTC,GLTC95,TQGLTC95‐‐thisis*NOT*a

rateincreaseonexi stingpolicies.Thenewratesapply*ONLY*tonewly

writtencertificat eholders.

Proposal*filed*byIID

6/20/2017ProvidentLifeandAcc identInsuranceCompany FormsR LTC03,RLTCP03,LTC03,LTCP03&LTCT03‐‐ thisis*NOT*arat e

increaseproposal.Itissim p lyupdatedprojec tionsfromapreviousratefiling.

0.00% 0.00%0.00%6/20/2017

6/14/2017MetropolitanLifeInsuranceCompany 1LTC‐97&2LTC‐97 10.21% 10.21%10.21%10/1/2017

6/5/2017MedA mericaInsuranceCompany FormNTQ11‐337‐MA ‐IA‐401

LTQ11‐336‐MA‐IA‐401,HTQ11‐338‐MA‐IA‐401‐‐FormLTC‐LBP8‐IAetal ‐‐‐‐IID

andINSnegotiatedtheincr easefrom136.2%(a sproposed)downto18%

136.20

18.00%18.00%10/1/2017

6/5/2017MedA mericaInsuranceCompany FormSPL‐336 ‐‐IIDandINSnegotiatedtheincreasefrom76.9%(asproposed) 

downto18%

76.90% 18.00%18.00%10/1/2017

6/5/2017MedA mericaInsuranceCompany GRP11‐342‐MA‐IA‐401  ‐‐IIDandINSnegotiatedtheincreasefrom93.8%(as

proposed) downto18%

93.80% 18.00%18.00%10/1/2017

5/16/2017MutualofOmahaInsuranceCompany Lifetimebenefits:FormsHCA( NH50,LT50,HCAQ,NHA,NHAQ,LTA ,LTAQ)IID

negotiatedthisproposalto18%forlifetimebenef its(was31.4%)Thenon‐

lifetimeproposalis0%)Modifiedaverageisnow13.7%(w as23.8%)

23.80% 13.70%13.70%

5/12/2017MedA mericaInsu ranceCom pany FormSPL2‐336‐IA 5.25% 5.25%5.25%7/1/2017

4/11/2017MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(V IP2_New),LTC2‐VAL‐IA,LTC2‐IDEAL‐IA,LTC2‐PREM‐IA‐‐

Orig inalproposal=35.4%(over2‐years),however,theIIDwasabletomodify

thisproposaldownto15%

35.42% 15.00%15.00%7/1/2017

4/11/2017MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IA(V IP2_Old),LTC2‐VAL‐IA,LTC2 ‐IDEAL‐IA,LTC2‐PREM‐IA‐‐

Orig inalproposal=18.98%,however,theIIDwasabletomodify thisproposal

downto15%

18.98% 15.00%15.00%7/1/2017

4/11/2017MetropolitanLifeInsuranceCompany

FormLT C ‐FAC‐IA(V IP1),LT C ‐VAL‐IA,LT C ‐IDEAL‐IA,LT C ‐PREM‐IA‐‐

Orig inalproposal=21.21%,however,theIIDwasabletomodify thisproposal

downto15%

21.21% 15.00%15.00%7/1/2017

4/10/2017PrudentialInsuranceCompanyofAmerica Form83500BFW5005‐‐ thisisatrue‐uprateincr easetobringIowa'srate

scheduletotheU.S.level.Iowamodifiedthepr e v i o u s proposalfrom40%

downto18%.Carrierinc ludedMA Ecert ificationlanguage.

18.60% 18.60%18.60%7/1/2017

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

3/30/2017Bank ersLife&CasualtyCompany FormsGR‐N050,GR‐N100,GR‐N105,GR‐N160,GR‐N165,GR‐240,GR‐N250,GR‐

N270,GR‐N280

15.00% 15.00%15.00%5/1/2017

3/20/2017GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV‐‐ThisisNO Tarat eincrease,

butrat heranupdatedprojectionofexperiencerelatedtoapreviousrat efiling.

0.00% 0.00%0.00%3/20/2017

3/17/2017UnitedSecurityAssuranceCom panyof Pennsylvania FormsPAL ‐1,PAL‐1(02)R,QLT‐1,QLT‐1(02)Retal  ‐‐‐Or iginalproposalwas20%,

however,theIIDwasabletomodifythisproposalto17.5%fortheremaining

Iowapoliciesinforce.

20.00% 17.50%17.50%5/1/2017

2/23/2017PennsylvaniaLifeInsuranceCompany Forms1460,1490,P30,P35,P39,PL NHO,PLNHOQ‐‐ Or iginalproposalwas

30%,however,theIIDwasabletonegotiateitto17%duetovariousfactors.

30.00% 17.00%17.00%7/1/2017

2/10/2017LincolnNationalLifeInsuranceCom pany FormHL‐2500AA(8/90)etal ‐‐ Orig inalproposalwas30%,however,theIID

wasabletonegotiateit to15%duetovariousfactors.

30.00% 15.00%15.00%7/1/2017

2/6/2017MutualofOmahaInsuranceCom pany FormLTC04Iandnumerousotherforms‐‐theseareupdatedprojec tions

involvingapreviousratefiling.Thisis*NOT*arateincr ease

0.00% 0.00%0.00%2/6/2017

2/1/2017StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐thisisnotarateincrease,butrather‐‐ itisanupdated

projectionofexperi encefromapreviousrat efiling.

0.00% 0.00%0.00%2/1/2017

1/25/2017NewYor kLifeInsu ranceCom pany FormsILTC‐5000(IA)(1001)‐‐thisisanupdatedprojectionbasedupona

previousratefiling.Itis*NOT*arateincrease

0.00% 0.00%0.00%

1/18/2017UnitedofOmahaLifeInsuranceCompany FormLTC06UI‐TQetal‐‐updatedprojectionfromapreviousratefiling‐‐ thisis

notarateincreasefiling

0.00% 0.00%0.00%3/1/2017

1/13/2017ProvidentLifeandAcc identInsuranceCompany FormsRLTC03,RLTCO03,LTC03,LTCP03&LTCT0‐‐thisis*NOT*arateincrease

proposal.Itissimplyupdatedprojectionsfromapreviousratefiling.

0.00% 0.00%0.00%1/13/2017

1/4/2017KanawhaInsuranceCom pany FormLTC2‐thisisanupdatedprojec tionbaseduponapreviousratefiling.

Thisis*NOT *arateincrease

0.00% 0.00%0.00%1/4/2017

1/4/2017KanawhaInsuranceCom pany FormLTC‐3‐thisisanupdatedprojec tionbaseduponapreviousratefiling.

Thisis*NOT *arateincrease

0.00% 0.00%0.00%1/4/2017

21.57% 10.02%AveragerateincreaseofLTCfilingsforCY2017===>>>>

12/19/2016MedA mericaInsu ranceCom pany FormSPL‐336‐‐ IIDandINSnegotiatedtheincreasefrom75%(asproposed) 

downto17%

75.00% 17.00%17.00%2/1/2017

12/15/2016Cat holicOrderofForesters IIDandINSnegotiatedthisproposalfrom60%(asor iginallyfiled)downto0%. 60.00% 0.00%ProposalDisapprovedbyIID

12/12/2016RiverSourceLifeInsuranceCompany Form30160‐A‐IA 15.00% 15.00%15.00%4/1/2017

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

12/12/2016Nort hwesternLongTermCareInsuranceCom pany FormRR.LTC.( 0798)etal‐‐IIDandINSnegotiatedthistoa2‐yearphase‐in‐‐

max1.179(year1)x1.1026(y ear2)

30.00% 17.90%17.90%1/1/2017

12/9/2016GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV====>>>>AA RPpolicesonly 15.00% 15.00%15.00%1/1/2017

12/9/2016GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV

IIDandINSnegotiatedthisfrom49%(asoriginally filed)downto17.9%

49.00% 17.90%17.90%1/1/2017

11/29/2016Guarant eeTrustLifeInsuranceCompany FormG0200,G0280,G0600,G0680 ‐‐ IIDandINSnegotiatdthisproposalfrom

49%(asproposed)toasmaller2‐yearphasedinsc hedule,i.e.,17.9%for2017

and10.26%for2018

49.00% 17.90%17.90%1/1/2017

11/2/2016JohnAldenLifeInsuranceCom pany FormJ‐5762‐P‐IA,J‐5762‐R1,J‐5875‐P‐IA(Q)&(NQ),J ‐5875‐R1(Q),J‐5875‐R2(Q),

J‐5875‐R3(Q)‐‐IIDandINSmodifiedthe20%as17.9%for2017and1.78%for

2018

20.00% 17.90%17.90%1/1/2017

11/1/2016MutualofOmahaInsuranceCompany FormsLT50,0DX5M,NH50,0DX6M,HCA,HCAQ,NHA,NHAQ,LTA,LTAQ‐‐ this

is*NOT*arat eincreaseproposal.Itissimplyupdatedprojec tionsfroma

previousratefiling.

0.00% 0.00%0.00%11/1/2016

10/19/2016JohnHancockLifeInsuranceCompany FormsLTC‐91etal‐‐(appliestonon‐inflationpoliciesonly) Thi sdoesnotaffect

thelandingspo tfilingspreviouslyapproved.

Negotiatedmaxcellincreasesfrom29%(asproposed‐‐average)downto15%

max.Overallav g=14.4%

29.00% 14.40%14.40%12/1/2016

10/19/2016MetLifeInsuranceCom panyUSA H‐LTC2J ‐36‐‐IIDandINSnegotiatedthisfilingfrom57%(average)downto

17.5%.

57.00% 17.50%17.50%1/1/2017

10/19/2016MetLifeInsuranceCom panyUSA H‐LTC3J ‐1 ‐‐ IIDandINSnegotiatedthisfilingfr om55.2%(average)downto

17.5%.

55.20% 17.50%17.50%1/1/2017

10/19/2016MetLifeInsuranceCom panyUSA H‐LTC3J FO20‐‐IIDandINSnegotiatedthisfilingfrom55.7%(av erage)downto

17.5%.

55.70% 17.50%17.50%1/1/2017

10/19/2016MetLifeInsuranceCom panyUSA H‐LTC3J FQ ‐‐ IIDandINSnegotiatedthisfilingfr o m 46.1%(average)downto

17.5%.

46.10% 17.50%17.50%1/1/2017

10/19/2016MetLifeInsuranceCom panyUSA H‐LTC3J P5 ‐‐IIDandINSnegotiatedthisfilingfr o m 54.6%(average)downto

17.5%.

54.60% 17.50%17.50%1/1/2017

10/19/2016MetLifeInsuranceCom panyUSA H‐LTC3J Q‐‐ IIDandINSnegotiatedthisfilingfrom45.8%(average)downto

17.5%.

45.80% 17.50%17.50%1/1/2017

10/19/2016MetLifeInsuranceCom panyUSA H‐LTC4J FQ6 ‐‐IIDandINSnegotiatedthisfilingfrom45.7%(average)downto

17.5%.

45.70% 17.50%17.50%1/1/2017

10/19/2016MetLifeInsuranceCom panyUSA H‐LTC4J Q‐‐ IIDandINSnegotiatedthisfilingfrom50.1%(average)downto

17.5%.

50.10% 17.50%17.50%1/1/2017

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Date

Pr oposed N egotiat edIncrease

10/18/2016AmericanFidelityAssuranc eCompany FormNC C 1/97‐IA,LTC1/97‐IA,WBNC C 9/97‐ IA‐‐IIDnegotiatedthisto:

GenI&IIlifetimefrom25%downto17.5%,GenILifet imewasleft @15%,and

GenIInon‐lifetimewasleft@0%

23.10% 16.20%16.20%1/1/2017

10/13/2016Cat holicOrderofForesters FCLTC‐IA‐‐ IIDandINSnegotiatedthisproposalfrom40%(asoriginallyfiled)

downto17%

40.00% 17.00%17.00%11/1/2016

10/11/2016ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) Forms1LTCIPand2LTCIP,4LTCIP‐‐IIDnegotiatedthisproposalfrom30%(as

filed)downto15%

30.00% 15.00%15.00%12/1/2016

9/21/2016CMFGLifeInsuranceCom pany Form97‐LTC‐HHC1(IA),2002‐LTC‐FAC(IA),2002‐LT C R ‐HCC,2006‐LTC‐COMP(IA)‐‐

updatedprojec tionsonly.Thi sis*NOT*arateincreasefiling.

0.00% 0.00%0.00%1/1/2017

9/21/2016ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) Forms1LTCGP0001and1LTCGP0008 ‐‐IIDnegotiatedthisproposalfrom30%

(asfiled)downto15%

30.00% 15.00%15.00%12/1/2016

9/21/2016JohnHancockLifeInsuranceCom pany(US A) FormsLTC‐03,BSC‐03etal ‐‐CustomCareII,Essent ia l CareII‐‐updated

projectionsonly.Thisis*NOT*arateincreasefiling.

0.00% 0.00%0.00%1/1/2017

8/11/2016PrudentialInsuranceCompanyofAmerica FormGRP113290 15.00% 0.00%Proposal*withdrawn*byIID

8/2/2016ContinentalGeneralInsuranceCompany(F KAUnited Teacher) FormsL‐6000andLTC‐020201‐‐IIDandINSnegotiatedthisproposaldownfrom

30%(asfile)downto17%.

30.00% 17.00%17.00%10/1/2016

7/13/2016PrincipalLifeInsuranceCom pany FormsFR142,FR601:Originalproposal:102.5%average

[min=60.2%,max=105%]‐‐negotiatedto3‐yearphase:17.9%Y1x17.9%Y2x

9%Y3(unlimit edandlimit ed)

102.50

17.90%17.90%10/1/2016

7/13/2016PrincipalLifeInsuranceCom pany FR1240andFR406IA‐1:Originalproposal:101%average

[min=68.5%,max=110%]‐‐negotiatedto3‐yearphase:17.9%Y1x17.9%Y2x

9%Y3(unlimit ed)or

15%Y1x15%Y2x9%Y3(limit ed)

101.00

17.90%17.90%10/1/2016

5/23/2016PrudentialInsuranceCompanyofAmerica GRP112202||FormILTC‐2

IIDandINSnegotiatedthisratefilingfromama x i m u m of 45.1%downto16.6%

average.Theaverageproposalwas24.2%butitwasnegotiateddownto

17.9%maximum.

24.20% 17.90%17.90%7/1/2016

5/23/2016PrudentialInsuranceCompanyofAmerica GRP113290||FormILTC‐3

IIDandINSnegotiatedthisratefilingfromama x i m u m of 23.2%downto16.8%

average.Theaverageproposalwas23.2%butitwasnegotiateddownto

17.9%maximum.

23.20% 16.80%16.80%7/1/2016

5/23/2016PrudentialInsuranceCompanyofAmerica GRP99183||FormILTC‐1

IIDandINSnegotiatedthisratefilingfromama x i m u m of 59.8%downto

17.9%.Theaverageproposalwas43.3%butitwasnegotiateddownto17.9%

forallpolicies.

43.30% 17.90%17.90%7/1/2016

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Date

Pr oposed N egotiat edIncrease

5/3/2016LincolnNationalLifeInsuranceCom pany FormHL‐2500AA(8/90)etal ‐‐ IIDandINSnegotiatedthisproposalfrom60%as

fileddownto10%.

60.00% 10.00%10.00%7/1/2016

4/27/2016MutualofOmahaInsuranceCompany PolicySeriesLTC04G‐‐IIDandINSnegotiatedthi srateproposaldownfrom

25.3%onaverage[min=0%,max=38%]downto17.9%max.Thi sproducesan

averageincr easeof14.4%withthecap.

38.00% 17.90%17.90%7/1/2016

4/25/2016Phy siciansMut ualInsuranceCompany FormsP103,P104etal‐‐ Origproposalwas153%subjecttominof 20%to

211%com poundedbytypeover3‐years.IIDandINSmodifidedtheproposalto

17.9%next2‐yrson2types,17.9%&1.8%onanot her ,17.9%&12%on

another

153.00

17.90%17.90%7/1/2016

4/25/2016Phy siciansMut ualInsuranceCompany FormsP105/P109etal ‐‐Origproposalwas84 % subjecttominof 15%to

192%com poundedbytypeover3‐years.IIDandINSmodifidedtheproposalto

15%asfiledononetypeto17.9%eachofthene x t yearsonothertypes.

84.00% 17.90%17.90%7/1/2016

4/25/2016Phy siciansMut ualInsuranceCompany FormsP124et al‐‐Origproposalwas134%subjec ttominof 69%to205%

com poundedbytypeover3‐years.IIDandINSmodif idedtheproposalto

17.9%eachof nex ttwoyearsononetype&17.9%and10.26%onanother

134.00

17.90%17.90%7/1/2016

4/25/2016Phy siciansMut ualInsuranceCompany FormsP130IA,P131IAet al‐‐Origproposalwas186%subjecttominof157%

to211%c om poundedbytypeover3‐years.IIDandINSmodif idedtheproposal

to17.9%eachof nex ttwoyearsonalltypes

186.00

17.90%17.90%7/1/2016

4/25/2016Phy siciansMut ualInsuranceCompany FormsP145,P146etal‐‐Origproposalwas68%subjecttominof 0%to150%

com poundedbytypeover3‐years.IIDandINSmodif idedtheproposalto0%

ononetype(was15%)and17.9%eachofthene xt yearsonothertypes.

68.00% 17.90%17.90%7/1/2016

4/7/2016AllianzLifeInsuranceCompanyofNorthAmerica Form10‐P‐Q‐IA(Group3) ‐‐ Otherform:11‐P‐Q‐IA‐‐ IIDmodifiedtheproposal

from39%(asfiled)downto17.9%forinflationpolicies

39.00% 17.90%17.90%7/1/2016

4/7/2016ContinentalCasualtyCompany FormsP1‐43636‐A,SR‐LTCP‐Series,GLTC‐3‐P‐xx‐01 |IIDandINSmodifiedthe

originalproposal(95.5%)toa3‐yearphase‐inapproach:17.9%(year1),

10.26%(year2),and7.7%(y ear3)

95.50% 17.90%17.90%6/1/2016

3/7/2016Bank ersLife&CasualtyCompany FormGR‐N650 15.00% 15.00%15.00%4/1/2016

3/7/2016GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV ‐‐thisisnotarateincrease.

Thisissimplyanupdatedprojec tionbasedonthe emergingexperienceof a

previousratefiling.

0.00% 0.00%0.00%3/7/2016

1/27/2016StateFarmMut ualA utomobileInsuranceCompany Form97059IA ‐‐proposalwasnegotiatedfromanav erageof29.8%(w it h

individualcellsrangingfrom0to40%)downtoanaverageof14%(withcells

rangingfrom0to17%).

29.80% 14.00%14.00%4/1/2016

1/27/2016ProvidentLifeandAcc identInsuranceCompany FormsRLTC03,RLTCO03,LTC03,LTCP03&LTCT0 53.00% 13.80%13.80%4/1/2016

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Date

Pr oposed N egotiat edIncrease

1/27/2016Transamer icaLifeInsuranceCompany FormsTLC1‐FP(IA )1001‐‐IID&INSnegotiatedthisfrom65%(SchA)&43.5%

(SchB)to0%forthosewhoselectalowerinflat iongrowt h.Otherwisethe

increaseisphased‐inover5‐yrsin3rounds@17%(A)or(12.8%(B)in2016,

2018,and2020)

65.00% 17.00%17.00%4/1/2016

1/27/2016Transamerica LifeInsuranceCompany GP001796(GC001796)‐‐IIDandINSnegotiatedthisfrom56%downto0%for

thosewhoagreetoalowerinflat iongrowt h.For thosenotagreeingtothat,

therateincreaseisphasedinover5years‐16%in2016,16%in2018,&16%

in2020.

56.00% 16.00%16.00%4/1/2016

1/27/2016Transamerica LifeInsuranceCom pany IP‐70‐IA‐494,etal‐‐ IIDandINSnegotiatedthisfrom56%downto0%for

thosewhoagreetoalowerinflat iongrowt h.For thosenotagreeingtothat,

therateincreaseisphasedinover5years‐16%in2016,16%in2018,&16%

in2020.

56.00% 16.00%16.00%4/1/2016

1/20/2016PennsylvaniaLifeInsuranceCompany Forms1460,1490,P30,P35,P39,PL NHO,PL NHOQ 30.00% 17.00%17.00%6/20/2016

1/20/2016NassauLifeIns.Co.ofKansas(FKA PyramidLife) FormsC77andC78 30.00% 17.00%17.00%6/20/2016

1/11/2016Bank ersLifeandCasualtyCom pany FormGR‐N400,N410 15.00% 15.00%15.00%3/1/2016

1/4/2016UnitedSecurityAssuranceCom panyof Pennsylvania FormsPAL ‐1,PAL‐1(02)R,QLT‐1,QLT‐1(02)Retal  ‐‐‐IIDnegotiatedthisto16%

foryear1+possibilit y of year2true‐upifnationwideincreaseismorethan

16%onaverage

20.00% 16.00%16.00%5/1/2016

47.88% 14.74%AveragerateincreaseofLTCfilingsforCY2016===>>>>

12/28/2015UNUMLifeInsuranceCom panyof America FormsB.LTC,TQB.LTC,GLTC95andTQGLTC95|IIDandINSnegotiatedthis

proposalfrom43%asfileddownto17%for1stand7%for2ndyear.

43.00% 17.00%17.00%1/1/2016

12/22/2015LincolnBenefitLifeCompany LB‐6302‐P‐IA(Q)&(NQ),LB‐6303‐P‐IA(Q)&(NQ),LB‐6301‐P‐IA(Q)&(NQ)||TheIID

negotiatedthefilingfrom50%asor iginallyfileddownto17%foryear1and

10.26%foryear2.

50.00% 17.00%17.00%1/1/2016

12/21/2015CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC

3.00% 3.00%3.00%1/1/2016

12/21/2015CMFGLifeInsuranceCom pany Forms2006‐LTC‐COMP( IA) 100.00

17.00%17.00%1/1/2016

12/10/2015BerkshireLifeInsuranceCom panyof America FormBG01P(06/04) ‐IA 10.00% 10.00%10.00%1/1/2016

12/3/2015ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) FormLG‐990301‐UTA‐‐ IIDandINSnegotiatedthisproposalfrom34.3%down

to17.9%.

34.30% 17.90%17.90%1/1/2016

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Date

Pr oposed N egotiat edIncrease

12/3/2015MutualofOmahaInsuranceCom pany FormLTC04Iandnumerousotherf orms 9.60% 9.60%9.60%1/1/2016

12/3/2015UnitedofOmahaLifeInsuranceCompany FormLTC06UI‐TQetal‐‐originalproposal=22%for2016&2.8%for2017=

25.4%over2‐yearsw/largecellvariations[0,61.3%]

Negotiatedto:13.3%for2016[0,16.9%] and4. 9 % for2017[0,10%]=18.9%

over2‐years

22.00% 13.30%13.30%1/1/2016

11/24/2015Bank ersLifeandCasualtyCompany F ormsGR‐N520,N530,N 540,N550,N570,N580 15.00% 15.00%15.00%1/1/2016

11/23/2015StateFarmMut ualAutomobileInsuranceCompany Form97045IA.1‐‐IIDandINSnegotiated2‐yearphase‐in.

Orig inalproposalwas36.1%withsome40%cells.Negotiatedto30%maxto

bespreadoutover2‐years,i.e.,17.9%inyear1and10.26%inyear2.

40.00% 17.90%17.90%1/1/2016

11/23/2015StateFarmMut ualAutomobileInsuranceCompany Form97058IA ‐‐IIDandINSnegotiated2‐yearphase‐in.Originalproposalwas

28.3%withso me40%cells.Negotiatedto30%maxtobespreadoutover2‐

years,I.e.,17.9%inyear1and10.26%inyear2.

40.00% 17.90%17.90%1/1/2016

11/10/2015StateFarmMut ualAutomobileInsuranceCompany Form97059IA ‐‐updatedprojectionsonapreviousincrease.Thisis*NOT*a

rateincrease.

1/1/2016

10/14/2015AmericanGen eralLifeInsuranceCom pany Form64028‐IA 25.00% 17.90%17.90%2/1/2016

9/15/2015JohnHancockLifeInsuranceCompany FormsLTC‐91etal‐‐thisisanupdatedprojec tiononlyfiling.Itis*NOT*arate

increasefiling.

10/1/2016

9/11/2015LincolnBenefitLifeCompany FormLB‐7000‐P‐IA(Q )&(NQ) 35.00% 15.00%15.00%11/1/2015

9/10/2015MedA mericaInsu ranceCom pany Form14515‐IA 17.90% 17.90%17.90%10/1/2015

9/10/2015MedA mericaInsu ranceCom pany FormSPL2‐336‐IA|IIDandINSnegotiatedthisproposaldownward.Or iginal

proposalinc ludedissueageincreasesupto33%‐butwelimitedthosecell

increasesto17.9%vianegotitation.Thisreducedtheav eragedownto16.2%.

22.27% 16.20%16.20%10/1/2015

9/10/2015MedA mericaInsu ranceCom pany GRP11‐342‐MA ‐IA‐401 15.30% 15.30%15.30%10/1/2015

9/4/2015MutualofOmahaInsuranceCom pany LTC04I‐TQ,LTC04I‐NTQ,LTC 04I‐AG‐TQ,LTC04I‐AG‐NTQ ‐‐updatedprojections

only.Thisisnotarateincr ease

10/1/2015

9/4/2015Unitedof OmahaLifeInsuranceCompany LTC06UI‐TQ,LTC06U I‐G5‐TQ,LTC06UI‐G10‐TQ,LTC 06UI‐G15‐TQ,LTC06UI‐NTQ ,

LTC06UI‐G5‐NTQ ,LTC06U I‐G10‐NTQ,LTC06UI‐G15‐NTQ ‐‐updatedprojections

only.Thisisnotarateincr ease

10/1/2015

8/27/2015UnitedAmericanInsuranceCompany FormsNH2,NH3,LTC,LTC2andLTC2H 12.20% 12.20%12.20%10/1/2015

8/27/2015UnitedAmericanInsuranceCompany LTCIN&LTCBOM 23.00% 17.50%17.50%10/1/2015

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Date

Pr oposed N egotiat edIncrease

8/25/2015RiverSourceLifeInsuranceCompany 30160A‐32100(wit hend orsement) 15.00% 15.00%15.00%10/1/2015

8/25/2015RiverSourceLifeInsuranceCompany 30225‐IAwith1997revisedrates|IIDandINSnegotiatedthisratepackage

from40%(asorig inallyfiled)downto17.9%foryear1and10.3%foryear2.

40.00% 17.90%17.90%10/1/2015

8/25/2015RiverSourceLifeInsuranceCompany Form30225‐IA 15.00% 15.00%15.00%10/1/2015

8/25/2015RiverSourceLifeInsuranceCompany Forms32040and30240‐IA 17.90% 17.90%17.90%10/1/2015

8/18/2015MetLifeInsuranceCom panyUSA H‐LTC2J ‐36‐‐IIDandINSnegotiatedthisfilingfrom52.50%(average)downto

17.5%.

52.50% 17.50%17.50%10/1/2015

8/18/2015MetLifeInsuranceCom panyUSA H‐LTC3J ‐1 ‐‐ IIDandINSnegotiatedthisfilingfr om50.7%(average)downto

17.5%.

50.70% 17.50%17.50%10/1/2015

8/18/2015MetLifeInsuranceCom panyUSA H‐LTC3J FO20‐‐IIDandINSnegotiatedthisfilingfrom51.2%(av erage)downto

17.5%.

51.20% 17.50%17.50%10/1/2015

8/18/2015MetLifeInsuranceCom panyUSA H‐LTC3J FQ ‐‐ IIDandINSnegotiatedthisfilingfr o m 41.9%(average)downto

17.5%.

41.90% 17.50%17.50%10/1/2015

8/18/2015MetLifeInsuranceCom panyUSA H‐LTC3J P5 ‐‐IIDandINSnegotiatedthisfilingfr o m 50.1%(average)downto

17.5%.

50.10% 17.50%17.50%10/1/2015

8/18/2015MetLifeInsuranceCom panyUSA H‐LTC3J Q‐‐ IIDandINSnegotiatedthisfilingfrom41.6%(average)downto

17.5%.

41.60% 17.50%17.50%10/1/2015

8/18/2015MetLifeInsuranceCom panyUSA H‐LTC4J FQ6 ‐‐IIDandINSnegotiatedthisfilingfrom41.5%(average)downto

17.5%.

41.50% 17.50%17.50%10/1/2015

8/18/2015MetLifeInsuranceCom panyUSA H‐LTC4J Q‐‐ IIDandINSnegotiatedthisfilingfrom45.8%(average)downto

17.5%.

45.80% 17.50%17.50%10/1/2015

8/4/2015KanawhaInsuranceCom pany LTC‐2‐(IIDandINSnegotiatedthisonedownfr om67%(asproposed) downto

17.5%on10‐1‐15and17.5%on10‐1‐16.(The10 ‐1effect iv edateisanestimate)

67.00% 17.50%17.50%10/1/2015

8/4/2015KanawhaInsuranceCom pany LTC‐3‐(IIDandINSnegotiatedthisonedownfr om71%(asproposed) downto

17.5%on11‐1‐15and17.5%on11‐1‐16.(The10‐1effect iv edateisanestimate)

71.00% 17.50%17.50%10/1/2015

7/23/2015Bank ersLife&CasualtyCompany FormsGR‐N050,GR‐N100,GR‐N105,GR ‐N160,GR‐N165,GR‐N240,GR‐N250,GR‐

N270,GR‐N280

35.00% 17.50%17.50%10/1/2015

6/29/2015MutualofOmahaInsuranceCompany Lifetimebenefits:FormsHCA( NH50,LT50,HCAQ,NHA,NHAQ,LTA ,LTAQ)(IID

negotiatedlifetimebenefitincreasefrom67%(o v e r 2‐yrs)downto30%spread

outover2‐yrs:(18.9%on10‐1‐15and9.3%on10‐1‐16)

30.00% 18.90%18.90%10/1/2015

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Date

Pr oposed N egotiat edIncrease

4/15/2015TIAA‐CREFLif eInsuranceCompany TCL‐LTC.04(IA)Ed.4/00etal‐‐

TheIIDandINSnegotiatedthe46.61%originalproposaldownto17.5%.The

company w illlikelyre‐fileforanother17.5%ayearorsolater.

46.61% 17.50%17.50%6/1/2015

4/15/2015MetropolitanLifeInsuranceCompany TCL‐LTC .04(IA)Ed.4/00etal‐‐

TheIIDandINSnegotiatedthe46.61%originalproposaldownto17.5%.The

company w illlikelyre‐fileforanother17.5%ayearorsolater.

46.61% 17.50%17.50%6/1/2015

3/24/2015ContinentalGeneralInsuranceCompany Forms405,420,435 24.60% 17.50%17.50%4/1/2015

3/24/2015ContinentalGeneralInsuranceCompany Forms440,445,460,461,470,471 42.40% 17.50%17.50%4/1/2015

2/25/2015TeachersInsuranceandAnnuityAssociationofAmerica LTC.03(NY)(original53.09%)andLTC.02Ed.11‐91andLTC‐E.02Ed.11‐91

(original50.43%)‐‐withdrawnbyIIDuntiltheNe w Yor kDepartmentof 

Insurancec onc ludesit sreview.Exemptionissueunder507A.4

53.09% 0.00%Proposal*withdrawn*byIID

2/25/2015MetropolitanLifeInsuranceCompany LTC .03(NY)(original53.09%)andLTC.02Ed.11‐91 andLTC‐E.02Ed.11‐91

(original50.43%)‐‐withdrawnbyIIDuntiltheNe w Yor kDepartmentof 

Insurancec onc ludesit sreview.Exemptionissueunder507A.4

53.09% 0.00%Proposal*withdrawn*byIID

2/20/2015PennsylvaniaLifeIn suranceCompany Forms1460,1490,P30,P35,P39,PL NHO,PL NHOQ 44.00% 18.00%18.00%6/20/2015

2/20/2015TimeInsuranceCompany Forms4060‐IA,4061‐IA,4062‐IA,4063‐IA|neg o tiatedto14%eachofthenext

twoyearsinlieuof originalproposal.Carrierwillreturninyear3with

landingspo tfiling.

79.40% 14.00%14.00%4/1/2015

2/20/2015UnionSecurityInsuranceCompany Forms6062‐IA,6063‐IA,7062‐IA|negotiatedto14%eachofthenexttwo

yearsinlieuof originalproposal.Carrierwillret ur ninyear3withlanding

spotfiling.

77.50% 14.00%14.00%4/1/2015

2/9/2015UnitedSecurityAssuranceCom panyof Pennsylvania FormsPAL ‐1,PAL‐1(02)R,QLT‐1,QLT‐1(02)R 20.00% 17.50%17.50%4/1/2015

2/9/2015JohnHancockLifeInsuranceCompany FormsLTC‐91etal ‐‐increaseiseliminatedforpolicy holderswhoaccept the

reducedinflat ionlandingspot.Otherwise,theincreaseisspreadoutover3‐

yearsrangingfrom12.5%to15%maxperyear.Non‐inflat ioncapped@15%.

96.40% 15.00%15.00%4/1/2015

2/3/2015SILACInsuranceCompany Forms2002,2002,2002+,2002(97),2002+(97)||IIDandINDnegotiatedthis

proposaldownto17.5%foryear1,17.5%foryear2,and14%foryear3.

Orig inalcarrierproposalwas194%for2014‐2016.

194.00

17.50%17.50%4/1/2015

1/12/2015PrudentialInsuranceCompanyofAmerica Form83500BFW5005 40.00% 18.00%18.00%4/1/2015

1/2/2015UNUMLifeInsuranceCom panyof America FormsLTC94,LTC94Qetal

Theincreaseiseliminated(forpolicieswithinflationprotection) ifa3%

inflationlandingspotistaken(vs.5%theycur rentlyhave)Ifc onsumer

doesn'taccept ,theincreaseis18%/yearfor3‐years.

88.00% 18.00%18.00%4/1/2015

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Date

Pr oposed N egotiat edIncrease

43.53% 15.56%AveragerateincreaseofLTCfilingsforCY2015===>>>>

12/30/2014NassauLifeIns.Co.ofKansas(FKA PyramidLife) FormsC77andC78 50.00% 18.00%18.00%2/1/2015

12/23/2014ContinentalCasualtyCompany FormsP1‐N0075‐A14,P1‐N0076‐A14,P1‐N0080‐A14,P1‐N0081‐A14||IIDand

INSnegotiatedthe62%proposaldownto16%foreachof thenex t3‐years.

62.00% 16.00%16.00%4/1/2015

12/19/2014RiverSourceLifeInsuranceCompany DI2014RateFiling |Policy formnumbers30205G‐IAetal

Thisis*NOT *arateincreaseonexi stingpolicies,butrathernewratesfor

*NEW*policiesthatw illbeso ld.

Proposal*filed*byIID

12/16/2014AmericanFidelityAssuranc eCompany PSINC C(4/99)IA,PSIQCC( 4/99)IA,PSINTLC (4/99)IA,PSIQLTC(4/99)IA===>>

Policieswithnon‐lifetimebenefitswill*NOT*recei v eanincrease.Allothers

get18%(was146%over3‐yearsb4negotiation)

146.00

18.00%18.00%2/1/2015

11/12/2014RiverSourceLifeInsuranceCompany Form30160‐A‐IA 15.00% 15.00%15.00%1/1/2015

11/5/2014Phy siciansMut ualInsuranceCom pany P103IA&P104IAet al 40.00% 17.00%17.00%1/1/2015

10/27/2014TheStateLifeInsuranceCom pany FormS‐6000‐P‐IA 14.00% 8.00%8.00%1/1/2015

10/21/2014AmericanFamily LifeAssuranc eCompany‐AFLAC A‐25000‐IA 9.50% 9.50%9.50%1/1/2015

10/13/2014GenworthLif eInsuranceCompany Formseries‐7042,7044,7042REVand7044REV 12.80% 12.80%12.80%1/1/2015

9/12/2014BerkshireLifeInsuranceCom panyof America FormBG01P(06/04)‐IA 25.00% 15.00%15.00%1/1/2015

5/16/2014UNUMLifeInsuranceCom panyof America FormsB.LTC,TQB.LTC,GLTC95andTQGLTC95 60.00% 17.00%17.00%7/1/2014

5/16/2014ProvidentLifeandAcc identInsuranceCompany FormsRLTC03,RLTCO03,LTC03,LTCP03&LTCT0 75.00% 17.00%17.00%7/1/2014

5/13/2014ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) FormLG‐020302‐UTA‐‐ IIDandINSnegotiateda13‐monthtrue‐upifthe

realizedU.S.averageishigherthan17%.

20.00% 17.00%17.00%7/1/2014

5/13/2014ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) Forms1LTCGPand1LTCGP0008‐‐ IIDandINSnegotiateda13‐monthtrue‐upif

therealizedU.S.averageishigherthan17%.

20.00% 17.00%17.00%7/1/2014

5/13/2014ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) Forms1LTCIPand2LTCIP,4LTCIP‐‐IIDandINSne g ot i a t e d a13‐monthtrue‐upif

therealizedU.S.averageishigherthan17%.

20.00% 17.00%17.00%7/1/2014

5/13/2014ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) FormsL‐6000andLTC‐020201‐‐IIDandINSnegotiateda13‐monthtrue‐upif

therealizedU.S.averageishigherthan17%.

20.00% 17.00%17.00%7/1/2014

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Date

Pr oposed N egotiat edIncrease

5/5/2014Nort hwesternLongTermCareInsuranceCompany Rat esforUU .LTC.(1014)‐‐thisisnotarateincrease,butrather‐‐ areviewof

theinitialsubmissio nof ratesforanewproduct.

6/1/2014

5/2/2014SeniorHealthInsuranceCompanyof Pennsylvania CSHIC‐5000‐IAetal[Notarat eincrease‐‐updatedprojectionsofexperience

only]

4/17/2014

4/25/2014Phy siciansMut ualInsuranceCom pany P124IA,P130IA,P131IAetal|INSandIIDnegotiatedthisto17%year1and

13.7%year2foracom poundedtotalof 1.33(or33%)vs.theoriginal40%

proposal

40.00% 17.00%17.00%7/1/2014

4/8/2014PennsylvaniaLifeIn suranceCompany Forms1460,1490,P30,P35,P39,PL NHO,PL NHOQ 44.00% 17.00%17.00%7/1/2014

4/8/2014NassauLifeIns.Co.ofKansas(FKA PyramidLife) FormsC77andC 78 50.00% 17.00%17.00%7/1/2014

4/7/2014MetLifeInsuranceCom panyof Connecticut H‐LTC2J ‐36‐‐IIDandINSnegotiatedthisfilingfrom78.40%(average)downto

17%.

78.40% 17.00%17.00%7/1/2014

4/7/2014MetLifeInsuranceCom panyof Connecticut H‐LTC3J ‐1 ‐‐ IIDandINSnegotiatedthisfilingfrom76.30%(average)downto

17%.

76.30% 17.00%17.00%7/1/2014

4/7/2014MetLifeInsuranceCom panyof Connecticut H‐LTC3J FO20‐‐IIDandINSnegotiatedthisfilingfrom76.90%(av erage)down

to17%.

76.90% 17.00%17.00%7/1/2014

4/7/2014MetLifeInsuranceCom panyof Connecticut H‐LTC3J FQ ‐‐ IIDandINSnegotiatedthisfilingfr o m 66%(average)downto

17%.

66.00% 17.00%17.00%7/1/2014

4/7/2014MetLifeInsuranceCom panyof Connecticut H‐LTC3J P5  ‐‐IIDandINSnegotiatedthisfilingfr o m75.60%(average)downto

17%.

75.60% 17.00%17.00%7/1/2014

4/7/2014MetLifeInsuranceCom panyof Connecticut H‐LTC3J Q‐‐ IIDandINSnegotiatedthisfilingfrom65.70%(average)downto

17%.

65.70% 17.00%17.00%7/1/2014

4/7/2014MetLifeInsuranceCom panyof Connecticut H‐LTC4J FQ6 ‐‐IIDandINSnegotiatedthisfilingfrom65.50%(average)downto

17%.

65.50% 17.00%17.00%7/1/2014

4/7/2014MetLifeInsuranceCom panyof Connecticut H‐LTC4J Q‐‐ IIDandINSnegotiatedthisfilingfrom70.60%(average)downto

17%.

70.60% 17.00%17.00%7/1/2014

4/4/2014MedA mericaInsu ranceCom pany Form14515‐IA 38.00% 17.00%17.00%7/1/2014

4/4/2014MedA mericaInsu ranceCom pany GRP11‐342‐MA ‐IA‐401 35.00% 17.00%17.00%7/1/2014

3/27/2014MedA mericaInsuranceCom pany FormLTC‐LBP8‐IA,LTC‐LBP9‐MA ‐IA,LTC‐CD8‐IA,LTC‐CD9‐MA ‐IA 8.30% 8.30%8.30%7/1/2014

3/27/2014MedA mericaInsuranceCom pany FormNTQ11‐337‐MA‐IA‐401,LTQ11‐336‐MA‐IA‐401,HTQ11‐338‐MA ‐IA‐401 15.80% 15.80%15.80%7/1/2014

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

3/25/2014SILACInsuranceCompany 2002,2002+,2002(97) ,2002+(97)||Disapprovedforlackof responsetoINS

requests,andopiningactuaryisnolongeremployed@thecompany

199.00

0.00%Proposal*disapproved*by

2/17/2014AmericanR epublic Insuran ceCom pany A‐3541IA|A‐3542IA‐IID&INSnegotiation:no n ‐inflat ionpoliciescapped@

15%.Peoplewithinflat ionpoliciescan*eliminate*therateincreaseby

choosingalow erinflat ion%(3.4%vs5%) .Forotherpolicies,a3‐yrphase‐in

wasrequired.

42.30% 15.00%15.00%4/1/2014

2/12/2014PrudentialInsuranceCompanyofAmerica FormGRP113290||ILTC‐3||withautomaticinflat ionprotection.IIDandINS

negotiatedthisfilingfromamaximumof45%dow n to17.7%

45.00% 17.70%17.70%4/1/2014

2/12/2014PrudentialInsuranceCompanyofAmerica FormGRP113290||ILTC‐3||withoutautomaticinflat ionprotection. 10.00% 10.00%10.00%4/1/2014

2/12/2014PrudentialInsuranceCompanyof America GRP 99183 ||FormsILTC‐1,ILTC2‐‐IIDandINSnegotiatedthisratefilingfrom

amaximumof 55%downto17.7%.Theaverageproposalwas44.60%butit

wasnegotiateddownto17.7%forallpolicies.

44.60% 17.70%17.70%4/1/2014

1/27/2014AmericanFidelity Assu ranc eCompany IIDandINSnegotiated2‐yearphaseforlifetimebenefits||17.50%eachin

2014and2015||NCC1/97,LTC1/97,CC1/97,HHC1/97

60.00% 17.50%17.50%4/1/2014

1/27/2014AmericanFidelity Assu ranc eCompany IIDandINSnegotiated2‐yearphasefornon‐lifet imebenefits||14%eachin

2014and2015||NCC1/97,LTC1/97,CC1/97,HHC1/97

30.00% 14.00%14.00%4/1/2014

1/24/2014MedicoInsuranceCompany IIDandINSnegotiated2‐yearphasefornon‐lifet imebenefits||20%eachin

2014and2015||3358,LT690,LT691,LT692,LT694,LT695,LT696,LT698,LT201

40.00% 20.00%20.00%4/1/2014

1/24/2014MedicoInsuranceCompany IIDandINSnegotiated3‐yearphaseforlifetimebenef its||22%eachin2014,

2015,and2016||3358,L T690,LT691,LT692,LT694,LT695,LT696,LT698,

LT201

80.00% 22.00%22.00%4/1/2014

49.91% 15.65%AveragerateincreaseofLTCfilingsforCY2014===>>>>

12/27/2013AmericanGen eralLifeInsuranceCom panyof Delaware Form64028‐IA 25.00% 16.50%16.50%5/1/2014

12/4/2013StateFarmMut ualA utomobileInsuranceCompany Form97059IA ‐‐proposalwasnegotiatedfromanav erageof29.2%(w it h

individualcellsrangingfrom0to40%)downtoanaverageof15.9%(withcells

rangingfrom0to16.5%).

29.20% 15.90%15.90%1/1/2014

11/14/2013GenworthLif eInsuranceCompany Form7000PCSIwithlifetimebenefits||negotiatedfrom95%asfiledtoan

annualincreaseof14.3%eachof thenex t5‐years.Forissueages78and

above,theannualincreaseissmallerandspreadoutover8‐years.

95.00% 14.30%14.30%1/1/2014

11/14/2013GenworthLif eInsuranceCompany Form7000PCSIwithlimitedbenefits||negotiatedfrom60%asfiledtoan

annualincreaseof9.9%eachof thenex t5‐years.Forissueages78andabov e,

theannualincreaseissmallerandspreadoutov e r 8‐years.

60.00% 9.90%9.90%1/1/2014

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

11/14/2013GenworthLif eInsuranceCompany Form7030PCSIIwithlifetimebenefits||negotiatedfrom78%asfiledtoan

annualincreaseof12.30%eachof thenex t5‐years.Forissueages78and

above,theannualincreaseissmallerandspreadoutover8‐years.

78.00% 12.30%12.30%1/1/2014

11/14/2013GenworthLif eInsuranceCompany Form7030PCSIIwithlimitedbenefits||negotiatedfrom63%asfiledtoan

annualincreaseof10.3%eachof thenex t5‐years.Forissueages78and

above,theannualincreaseissmallerandspreadoutover8‐years.

63.00% 10.30%10.30%1/1/2014

11/14/2013GenworthLif eInsuranceCompany Form7035ChoiceIwithlifetimebenefits||negotiatedfrom60%asfiledto

anannualincreaseof9.9%eachofthenex t5‐year s.Forissueages78and

above,theannualincreaseissmallerandspreadoutover8‐years.

60.00% 9.90%9.90%1/1/2014

11/14/2013GenworthLif eInsuranceCompany Form7035ChoiceIwithlimitedbenefits||negotiatedfrom44%asfiledtoan

annualincreaseof7.6%eachof thenex t5‐years.Forissueages78andabov e,

theannualincreaseissmallerandspreadoutov e r 8‐years.

44.00% 7.60%7.60%1/1/2014

11/14/2013GenworthLif eInsuranceCompany Forms5000,6484Pre‐PCSIwithlifetimebenefits||negotiatedfrom88%as

filedtoanannualincreaseof13.5%eachofthenext5‐years.Forissueages78

andabov e,theannualincreaseissmallerandspr e a doutover8‐years.

88.00% 13.50%13.50%1/1/2014

11/14/2013GenworthLif eInsuranceCompany Forms5000,6484Pre‐PCSIwithlimitedbenefits||negotiatedfrom35%as

filedtoanannualincreaseof6.2%eachofthene xt 5‐years.Forissueages78

andabov e,theannualincreaseissmallerandspr e a doutover8‐years.

35.00% 6.20%6.20%1/1/2014

11/12/2013TheStateLifeInsuranceCom pany FormR501‐‐thisisnotarateincreaseonexistingpolicies.Thenewrates

applytonewbusinessgoingforward,soexistingpoliciesarenotimpact edby

this.

1/1/2014

11/12/2013TheStateLifeInsuranceCom pany FormSA3 ‐‐thisisnotarateincreaseonexi stingpolicies.Thenewratesapply

tonewbusinessgoingforward,soexistingpoliciesar enotimpact edbythis.

1/1/2014

10/22/2013Bank ersLife&CasualtyCompany FormGR‐N560,GR‐N565||Thisfilingisnotara t eincreaseonexisting

policies.Thefilingincludesnewratesfornewbusinessonlygoingforw ard

2014andbeyond.

1/1/2014

10/22/2013Bank ersLife&CasualtyCompany FormsGR‐N500,GR‐N510||Thisfilingisnotara teincreaseonexisting

policies.Thefilingincludesnewratesfornewbusinessonlygoingforw ard

2014andbeyond.

1/1/2014

10/22/2013Bank ersLife&CasualtyCompany FormsGR‐N620,GR‐N630,GR‐N640,GR‐N650,GR‐N670,GR‐N680||Thisfiling

isnotarateincreaseonexistingpolicies.Thefilingincludesnewratesfornew

businessonlygoingforw ard2014andbeyond.

1/1/2014

9/27/2013UnitedSecurityAssuranceCom panyof Pennsylvania FormsPAL ‐1,PAL‐1(02)R,QLT‐1,QLT‐1(02)R 18.00% 16.50%16.50%1/1/2014

9/10/2013AllianzLifeInsuranceCom panyof NorthAmerica Form10‐P‐Q‐IA(Group3) 25.00% 15.00%15.00%10/1/2013

9/10/2013AllianzLifeInsuranceCompanyofNorthAmerica Form7‐P‐Q‐IA(Group2),7‐P‐Q‐IA‐1,N‐4040‐P‐IA(Q),N‐4040‐P‐IA(NQ) 25.00% 5.70%5.70%10/1/2013

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

9/10/2013AllianzLifeInsuranceCompanyofNorthAmerica FormN‐2000‐P(Group1),N‐2001‐P,N‐2350‐P,N‐2720‐P‐IA,N‐2720‐P‐IA (Q),N‐

2720‐P‐IA(NQ),N‐2721‐P‐IA,etal

25.00% 7.80%7.80%10/1/2013

8/14/2013Transamer icaLifeInsuranceCo mpany 3122(00) 288/3132(00)288,GLTP21289/GLTC21290,GLTP31091/GLTC 3

1091,GLTP3R1091/GLTC 3R1091,GCC1387/GCC1387CERT

17.00% 17.00%17.00%10/1/2013

8/14/2013Transamer icaLifeInsuranceCo mpany GP001796(GC001796)‐‐IIDandL&Enegotiatedthisincr easefrom17%(as

filed)downto14%baseduponseveralconcerns.

17.00% 14.00%14.00%10/1/2013

8/14/2013Transamer icaLifeInsuranceCompany IP‐70‐IA‐494,et al 17.00% 17.00%17.00%10/1/2014

8/7/2013MetropolitanLifeInsuranceCom pany 1LTC‐97&2LTC‐97‐‐IIDnegoatitedthe58%proposaltobephased‐inover3‐

yearswithmaximumannualincr easeof17%(1 7%year1,17%year2,and

15.4%year3)

58.00% 17.00%17.00%9/1/2013

8/7/2013MetropolitanLifeInsuranceCompany FormLTC2‐FAC‐IAetal ‐‐IIDnegoatitedthe58%proposaltobephased‐inover

3‐yearswithmaximumannualincreaseof 17%(17%year1,17%year2,and

15.4%year3)

58.00% 17.00%17.00%9/1/2013

8/7/2013MetropolitanLifeInsuranceCompany FormLTC‐FA C‐IAetal‐‐IIDnegotiatedthe58%proposaltobephased‐inover

3‐yearswithmaximumannualincreaseof17%(17%year1,17%year2,and

15.4%year3)

58.00% 17.00%17.00%9/1/2013

8/1/2013MetropolitanLifeInsuranceCompany FormLTC2007‐IA 58.00% 0.00%Proposal*disapproved*by

7/16/2013StateFarmMut ualAutomobileInsuranceCompany Form97045IA.1‐‐IIDandINSnegotiated2‐yearphase‐inof 40%cell

in creases.Cellsgreaterthan18.3%subjectto[ 18.3%,remainder]over2‐years

40.00% 18.30%18.30%9/1/2013

7/16/2013StateFarmMut ualA utomobileInsuranceCompany Form97058IA ‐‐IIDandINSnegotiated2‐yearphase‐inof 40%cellinc reases.

Cellsgreaterthan18.3%subjec tto[18.3%,remainder]over2‐years

40.00% 18.30%18.30%9/1/2013

7/16/2013Phy siciansMut ualInsuranceCom pany P103IA&P104IAet al 14.30% 14.30%14.30%9/1/2013

7/8/2013NewYor kLifeInsuranceCompany FormsILTC‐4300etal‐‐negotiated2‐yearphase‐inof 40%cellincreases.Cells

greaterthan18.3%subjec tto[18.3%,remainder]over2‐years

40.00% 18.30%18.30%8/1/2013

7/8/2013NewYor kLifeInsuranceCompany FormsILTC‐5000(IA)(1001)‐‐negotiated2‐yearphase‐inof40%cellincreases.

Cellsgreaterthan18.3%subjec tto[18.3%,remainder]over2‐years

40.00% 18.30%18.30%8/1/2013

6/26/2013MedA mericaInsuranceCom pany FormSPL‐336‐‐ IIDnegotiatedtheincr easetobe phased‐inover3‐yearsso

thatnoindividualcellincreaseexceeds16.70%

37.00% 16.70%16.70%8/1/2013

5/13/2013ContinentalCasualtyCompany FormsP1‐N0075‐A14,P1‐N0076‐A14,P1‐N0080‐A14,P1‐N0081‐A14etal 80.00% 18.00%18.00%7/1/2013

5/10/2013AmericanHeritageLifeInsuranceCom pany(MutualofOmaha) FormsBSC‐LTC‐4/95(IA),PRM‐LTC‐4/95(IA)andQLTC3/97(IA)||

requested29.4%/IIDnegot iatat ed2‐yrphase‐in,18%on7/'13&9.7%on

7/'14‐‐Round#1of 2‐yearphase‐in

18.00%7/1/2013

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

5/10/2013AmericanHeritageLifeInsuranceCom pany( Mutualof Omaha) F ormsBSC‐LTC‐4/95(IA),PRM‐LTC‐4/95(IA)andQLTC3/97(IA)||

requested29.4%/IIDnegot iatat ed2‐yrphase‐in,18%on7/'13&9.7%on

7/'14‐‐Round#2of 2‐yearphase‐in

9.70%7/1/2014

5/9/2013JohnHancockLifeInsuranceCompany FormsLTC‐91etal ‐‐(appliestonon‐inflationpoliciesonly) Thi sdoesnotaffect

thelandingspo tfilingspreviouslyapproved.

Negotiatedmaxcellincreasesfrom68%(asproposed) downto15%max.

Overallavg=8.9%

68.00% 8.90%8.90%7/1/2013

5/7/2013CMFGLifeInsuranceCom pany Form97‐LTC‐HHC1(IA) 10.00% 10.00%10.00%11/1/2013

5/7/2013CMFGLifeInsuranceCompany FormSeries5701 10.00% 10.00%10.00%11/1/2013

5/6/2013MutualofOmahaInsuranceCom pany FormseriesLTC04G 22.10% 0.00%Proposal*withdrawn*byIID

5/3/2013SeniorHealthInsuranceCompanyof Pennsylvania CSHIC‐5000‐IAetal[Notarat eincrease‐‐updatedprojectionsofexperience

only]

5/3/2013

4/18/2013RiverSourceLifeInsuranceCompany Forms32040and30240‐IA 20.00% 17.00%17.00%6/1/2013

4/3/2013RiverSourceLifeInsuranceCompany 30160A‐32100(wit hend orsement) 10.00% 10.00%10.00%5/1/2013

4/3/2013RiverSourceLifeInsuranceCompany Form30225‐IA 15.00% 15.00%15.00%5/1/2013

2/28/2013MutualofOmahaInsuranceCompany FormsHCAetal‐‐ Thi sisnotarateincr easefiling,butratherupdated

projectionsaftertheinitialrateincr ease.

3/1/2013

1/7/2013ContinentalGeneralInsuranceCompany Forms440,445,460,461,470,471 49.40% 22.00%22.00%2/1/2013

1/4/2013ContinentalGeneralInsuranceCompany Forms405,420,435 45.80% 22.00%22.00%2/1/2013

1/2/2013TheStateLifeInsuranceCom pany FormS‐6000‐P‐IA 35.00% 18.00%18.00%2/1/2013

40.26% 13.57%AveragerateincreaseofLTCfilingsforCY2013===>>>>

12/26/2012Bank ersLife&CasualtyCompany FormsGR‐N050,GR‐N100,GR‐N105,GR ‐N160,GR‐N165,GR‐N240,GR‐N250,GR‐

N270,GR‐N280

14.40% 14.40%14.40%1/1/2013

12/10/2012CMFGLifeInsuranceCom pany Forms2002‐LTC‐FAC(IA),

2002‐LTCR‐HCC

25.00% 15.00%15.00%4/1/2013

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Date

Pr oposed N egotiat edIncrease

12/7/2012Nort hwesternLongTermCareInsuranceCom pany FormTT.LTC .(1010) ‐‐Notarateincr easeonexistingpolicies‐‐theserates

applytonewbusinessonly

1/1/2013

11/5/2012AmericanGeneralLifeInsuranceCom panyof Delaware Form64028‐IA 25.00% 18.00%18.00%2/1/2013

11/1/2012PennsylvaniaLifeInsuranceCompany Forms1460,1490,P30,P35,P39,PL NHO,PL NHOQ 199.00

20.00%20.00%1/1/2013

11/1/2012NassauLifeIns.Co.ofKansas(FKA PyramidLife) FormsC77andC 78 238.00

20.00%20.00%1/1/2013

10/10/2012Wash ington NationalInsuranceCom pany IHP‐9041 40.00% 20.00%20.00%1/1/2013

10/2/2012Guarant eeTrustLifeInsuranceCompany G0100etal 30.00% 18.00%18.00%1/1/2013

8/31/2012StateFarmMut ualA utomobileInsuranceCompany Form97045IA.1 37.00% 18.00%18.00%10/1/2012

8/28/2012MutualofOmahaInsuranceCom pany FormLTC04Iandnumerousotherf orms 18.70% 15.20%15.20%10/1/2012

8/28/2012UnitedofOmahaLifeInsuranceCompany FormLTC06UIandnumerousotherforms 19.80% 10.40%10.40%10/1/2012

8/17/2012AmericanFidelityAssuranc eCompany PSINC C(4/99)IA,PSIQCC( 4/99)IA,PSINTLC (4/99)IA,PSIQLTC(4/99)IA 25.00% 18.00%18.00%10/1/2012

8/8/2012GenworthLifeInsuranceCom pany 7052‐reduc tioninc ouplesdiscount.Thisisnotarateincr easeonexisting

policies.

0.00% 0.00%0.00%8/8/2012

8/6/2012JohnHancockLifeInsuranceCom pany FormP‐FACE(2009‐12)‐‐ ratesfornewbusinessonly.Thisisnotarateincr ease

onexi stingpolicies.

10/1/2012

8/6/2012UNUMLifeInsuranceCompanyof America FormsB.LTC,TQB.LTC,GLTC95andTQGLTC95 75.00% 15.00%15.00%1/1/2013

8/6/2012ProvidentLifeandAcc identInsuranceCompany FormsR LTC03,RLTCO 03,LTC03,LTCP03&LTCT0 90.00% 15.00%15.00%1/1/2013

7/26/2012CMFGLifeInsuranceCom pany Form97‐LTC‐HHC1(IA) 25.00% 15.00%15.00%11/1/2012

7/26/2012CMFGLifeInsuranceCom pany FormSeries5701 25.00% 15.00%15.00%11/1/2012

7/23/2012Cinc innatiLif eInsuranceCompany LTC‐100‐IA(4/99) ,LTC‐120‐IA( 4/99 76.00% 25.00%25.00%11/1/2012

5/1/2012Transamer icaLifeInsuranceCompany‐FKATransamerica

Premier

ML‐LTCPTQ(IA )197etal 20.00% 16.00%16.00%7/1/2012

4/23/2012ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) FormLG‐990301‐UTA 17.90% 10.80%10.80%7/1/2012

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Date

Pr oposed N egotiat edIncrease

4/19/2012JacksonNationalLifeIn suranceCom pany ‐‐ReassureAmerica FormA‐4901 20.00% 20.00%20.00%7/1/2012

4/19/2012JacksonNationalLifeInsuranceCom pany ‐‐ReassureAmerica FormA‐5000 20.00% 20.00%20.00%7/1/2012

2/16/2012SILACInsuranceCompany 2002etal ‐‐Thisrepresentstheremainderof thetrueuponeyearlat erbased

upontherealizedU.S.av erageapprovalsinotherstates

22.50% 5.50%5.50%4/1/2012

2/14/2012JohnAldenLifeInsuranceCompany J‐5762‐P‐IA&J5875‐P‐IA(Q),IA(NQ) 20.00% 20.00%20.00%4/1/2012

2/6/2012UnitedAmericanInsuranceCompany 5%forLTC,LTC2&LTC2H,and9.2%forNH2&NH3(originalproposalwas

9.2%forallforms)

9.20% 5.00%5.00%4/1/2012

2/6/2012UnitedAmericanInsuranceCompany LTCIN&LTCBOM 20.00% 15.00%15.00%4/1/2012

2/3/2012RiverSourceLifeInsuranceCompany Form30160‐A‐IA 15.00% 15.00%15.00%4/1/2012

1/24/2012PrudentialInsuranceCompanyofAmerica FormsILTC‐1,ILTC2‐‐appliestothecashpolicies 32.00% 18.00%18.00%4/1/2012

1/24/2012PrudentialInsuranceCompanyofAmerica FormsILTC‐1,ILTC2‐‐appliestothereimbursementpolicies 18.00% 10.00%10.00%4/1/2012

1/20/2012MedicoInsuranceCompany Forms3358,LT690,LT691,LT692,LT694,LT695,LT696,LT698,LT201 9.00% 7.50%7.50%2/1/2012

40.91% 14.99%AveragerateincreaseofLTCfilingsforCY2012===>>>>

12/15/2011UnitedSecurityAssuranceCom panyof Pennsylvania FormsPAL ‐1,PAL‐1(02)R,QLT‐1,QLT‐1(02)R 37.20% 18.00%18.00%1/1/2012

12/13/2011PennsylvaniaLifeIn suranceCompany Forms1460,1490,1495,P30,P34,PL NHO,PLNHOQ 42.00% 0.00%Proposal*withdrawn*byIID

12/7/2011NewYor kLifeInsuranceCompany FormsILTC‐5000(IA)(1001)‐‐thisisnotarat eincr ea se onexistingpolicies.

Theproposal*only*affect snewbusinessissued.

12/7/2011

11/23/2011JohnHancockLifeInsuranceCompany FormsLTC‐91etal‐‐increaseiseliminatedforinfl a t i onpolicyholderswho

acceptthereducedlandingspot;otherpoliciesarelimitedto15%

38.20% 15.00%15.00%1/1/2012

11/21/2011AmericanFidelityAssuranc eCompany NCC1/97,LTC1/97,CC1/97,HHC1/97 35.00% 18.00%18.00%1/1/2012

11/17/2011TimeInsuranceCompany Forms4060‐IA,4061‐IA,4062‐IA,4063‐IA‐‐increaseiseliminatedforinflat ion

polic yholderswhoacceptthereducedlandingspo t ;otherpoliciesarelimit ed

to15%

45.30% 15.00%15.00%1/1/2012

11/17/2011UnionSecurityInsuranceCompany Forms6062‐IAand6063‐IA‐‐increaseiseliminatedforinflat ionpolicyholders

whoacceptthereducedlandingspot;otherpoliciesarelimit edto15%

52.40% 15.00%15.00%1/1/2012

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

11/17/2011JohnHancockLifeInsuranceCompany FormsP‐FACE(2002‐2)etal ‐‐increaseiseliminatedforinflat ionpolicyholders

whoacceptthereducedlandingspot;otherpoliciesarelimitedto15%

44.80% 15.00%15.00%1/1/2012

11/8/2011Bank ersLife&CasualtyCompany FormsGR‐N050,GR‐N100,GR‐N105,GR ‐N160,GR‐N165,GR‐N240,GR‐N250,GR‐

N270,GR‐N280

35.00% 18.00%18.00%1/1/2012

11/8/2011MedA mericaInsuranceCom pany LTC‐LBP8‐IA,LTC‐LBP9‐MA‐IA,LTC‐CD8‐IA,LTC‐CD 9‐MA‐IA 12.90% 7.00%7.00%11/1/2011

11/4/2011AmericanFamily Mut ualInsuranceCom pany FormH‐350 28.50% 18.00%18.00%1/1/2012

10/7/2011MetropolitanLifeInsuranceCompany LTC.04 ‐‐TheIIDandINSnegotiatedthe41%pr oposaldownto18%witha

true‐up12‐13monthslaterbasedupontherealizedU.S.av erage.

41.00% 18.00%18.00%1/1/2012

10/7/2011TIAA‐CREFLifeInsu ranceCom pany LTC.04 ‐‐TheIIDandINSnegotiatedthe41%pr oposaldownto18%witha

true‐up12‐13monthslaterbasedupontherealizedU.S.av erage.

41.00% 18.00%18.00%1/1/2012

9/26/2011ContinentalCasualtyCompany FormP1‐54076‐Seriesetal‐‐ Negotiated from45% (asfiled)downto18%with

atrue‐upfilingayearlaterbaseduponrealizedU.S.averageapproval

45.00% 18.00%18.00%2/15/2012

8/31/2011SeniorHealthInsuranceCompanyof Pennsylvania 10955,10967,11001and11006 25.00% 18.00%18.00%10/1/2011

8/31/2011SeniorHealthInsuranceCompanyof Pennsylvania ATL‐FQ‐LTCetal 18.00% 15.00%15.00%10/1/2011

8/31/2011SeniorHealthInsuranceCompanyof Pennsylvania CSHIC‐5000‐IAetal 25.00% 20.00%20.00%10/1/2011

8/19/2011RiverSourceLifeInsuranceCompany Form30225‐IA 15.00% 15.00%15.00%11/1/2011

8/17/2011MutualofOmahaInsuranceCompany Lifetimebenefits:FormsHCA( NH50,LT50,HCAQ,NHA,NHAQ,LTA ,LTAQ)

(Negot iatedlifetimebenefitincreasefrom45%downto30%spreadoutover2

years:(20%on10‐1‐11and8.3%on10‐1‐12)

45.00% 30.00%20.00%10/1/2011

8/17/2011MutualofOmahaInsuranceCompany Lifetimebenefits:FormsHCA( NH50,LT50,HCAQ,NHA,NHAQ,LTA ,LTAQ)

(Negot iatedlifetimebenefitincreasefrom45%downto30%spreadoutover2

years:(20%on10‐1‐11and8.3%on10‐1‐12)

8.30%10/1/2012

8/17/2011MutualofOmahaInsuranceCom pany Non‐Lifetimebenefits:FormsHCA(NH50,LT50,HCAQ,NHA,NHAQ,LTA,LTAQ) 15.00% 15.00%15.00%10/1/2012

7/11/2011SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐1etal 8.00% 8.00%8.00%9/14/2011

7/11/2011PrincipalLifeInsuranceCom pany FR1240andFR406IA‐1:Negotiatedfrom40%(a s filed)downto20%witha

true‐upfiling12‐13monthslaterbaseduponrealizedU.S.averageapproval

40.00% 20.00%20.00%8/1/2011

7/11/2011Phy siciansMut ualInsuranceCom pany P124IA,P130IA,P131IAandnumerousotherforms(Effect iv edateforP124IAis

3‐1‐12)Allothers=10‐1‐11

10.00% 10.00%10.00%10/1/2011

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

7/5/2011AmericanGen eralLifeInsuranceCom panyof Delaware Form64028‐IA 25.00% 19.00%19.00%9/1/2011

6/21/2011PrincipalLifeInsuranceCom pany FormsFR142,FR601:Nego tiated from40%(asfiled)downto20%withatrue‐

upfiling12‐13m onthslat erbaseduponrealizedU.S.averageapproval

40.00% 20.00%20.00%8/1/2011

5/16/2011ContinentalGeneralInsuranceCompany Form440 ‐‐INSandIIDnegotiatedtheproposaldownto25%on1‐4‐2010,

withatrue‐up13m onthslat erbaseduponrealizedU.S.av erageapproval.

25.00% 3.60%3.60%7/1/2011

5/12/2011CMFGLifeInsuranceCom pany Form97‐LTC‐HHC1(IA)(Thisfilingwasnegotiatedfrom50%downto25%

beforeitwasfiledwiththeIID)

50.00% 25.00%25.00%10/1/2011

5/12/2011CMFGLifeInsuranceCom pany FormSeries5701(Thisfilingwasnegotiatedfr om50%downto25%beforeit 

wasfiledwiththeIID)

50.00% 25.00%25.00%10/1/2011

4/26/2011RiverSourceLifeInsuranceCompany 30160A‐32100(wit hend orsement) 10.00% 10.00%10.00%6/1/2011

4/25/2011Guarant eeTrustLifeInsuranceCompany G0100etal 25.00% 20.00%20.00%7/1/2011

3/24/2011AmericanHeritageLifeInsuranceCom pany(MutualofOmaha) FormsBSC‐LTC‐4/95(IA),PRM‐LTC‐4/95(IA)andQLTC3/97(IA) 30.00% 20.00%20.00%5/1/2011

3/21/2011SeniorHealthInsu ranceCom panyof Pennsylvania 10770and10853 25.00% 25.00%25.00%5/1/2011

3/11/2011GenworthLif eInsuranceCompany 7000and7020 18.00% 18.00%18.00%5/1/2011

3/11/2011GenworthLif eInsuranceCompany 7030,7031and7032 18.00% 18.00%18.00%5/1/2011

3/7/2011UNUMLifeInsuranceCom panyof America LTC94,L TC 94Q‐‐INSandIIDnegotiatedthefilingfrom25%downto10%

*Modified:10%throughissueage70,5%for71 &0%for72+

25.00% 10.00%10.00%5/1/2011

3/3/2011LincolnBenefitLifeCompany LB‐6302‐P‐IA(Q)&(NQ),LB‐6303‐P‐IA(Q)&(NQ),LB‐6301‐P‐IA(Q)&(NQ) 25.00% 15.00%15.00%7/1/2011

1/24/2011Cinc innatiLif eInsuranceCompany LTC‐100‐IA(4/99),LTC‐120‐IA(4/99 120.00

25.00%25.00%11/1/2011

1/12/2011Transamer icaLifeInsuranceCo mpany 10%av erage‐‐14%onpolicieswithbenef itgreaterthan6‐years,0%

otherwise‐‐3122(00)288/3132(00)288,GLTP21289/GLTC21290,GLTP3

1091/GLTC31091,GLTP3R1091/GLTC3R1091,GCC1387/GCC1387CERT

10.00% 10.00%10.00%4/1/2011

1/12/2011Transamerica LifeInsuranceCompany GP001796(GC001796)‐‐negotiatedfrom14%//7%oncert ificat eswitha

nursinghomebenefitperiodof6yearsorgreater,and0%otherwise=5%

average

14.00% 5.00%5.00%4/1/2011

1/12/2011Transamerica LifeInsuranceCom pany IP‐70‐IA‐494,etal(9.9% average‐‐14%onpoli c ieswithBenef itPeriod >=6

years)

9.90% 9.90%9.90%4/1/2011

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CompanyName LeadForm#sEffective

Date

Pr oposed N egotiat edIncrease

1/6/2011Bank ersLife&CasualtyCompany GR‐74R ‐‐ thefilingwaswithdrawnsincethecostofoutsiderev iewwouldbe

morethantherateincreasewouldgenerate.

20.00% 0.00%Proposal*withdrawn*byIID

1/5/2011PrudentialInsuranceCompanyofAmerica FormGRP113290: No tarateincreaseonexistingpolicies.Therevisedrate

structureappliesto*newpolicy *issuesonly.

4/1/2011

30.98% 15.56%AveragerateincreaseofLTCfilingsforCY2011===>>>>

12/29/2010SILACInsuranceCompany 2002etal ‐‐Negotiatedto22.5%(effectiv e~2‐15‐11)withrem ainder(true‐up)

filing1‐yearlat erbasedupontherealizedU.S.av erageapprovalsinother

states

45.00% 22.50%22.50%2/14/2011

11/1/2010SILACInsuranceCompany 680IA‐(requested43%andnegot iat at ed2‐yearphase‐in,19.5%/19.5%next2‐

yearsrespect ively)1stoneof 2‐yearphase‐in

43.00% 43.00%19.50%1/1/2011

11/1/2010SILACInsuranceCompany 680IA‐(requested43%andnegot iat at ed2‐yearphase‐in,19.5%/19.5%next2‐

yearsrespect ively)2n doneof2‐yearphase‐in

19.50%1/1/2012

10/27/2010MedicoInsuranceCompany Forms3358,LT690,LT691,LT692,LT694,LT695,LT696,LT698,LT201 29.00% 20.00%20.00%1/1/2011

10/26/2010MutualofOmahaInsuranceCompany FormsHCAetal‐‐ Thi sisnotarateincr easefiling,butratherupdated

projectionsaftertheinitialrateincr ease.

10/26/2010

10/13/2010Bank ersLife&CasualtyCompany GR‐7A1 19.20% 19.20%19.20%1/1/2011

10/13/2010Bank ersLife&CasualtyCompany GR‐N050 19.20% 19.20%19.20%1/1/2011

10/13/2010Bank ersLife&CasualtyCompany GR‐N100&GR‐N105 16.10% 16.10%16.10%1/1/2011

10/13/2010Bank ersLife&CasualtyCompany GR‐N160&GR‐N165 16.10% 16.10%16.10%1/1/2011

10/13/2010Bank ersLife&CasualtyCompany GR‐N240,N270,N250&N280 16.10% 16.10%16.10%1/1/2011

10/11/2010AmericanFidelityAssuranc eCompany PSINC C(4/99)IA,PSIQCC( 4/99)IA,PSINTLC (4/99)IA,PSIQLTC(4/99)IA 25.00% 20.00%20.00%1/1/2011

9/8/2010MedA mericaInsu ranceCom pany GRP11‐342‐MA ‐IA‐401 39.00% 3.00%3.00%11/1/2010

9/8/2010MedA mericaInsuranceCompany LTC‐LBP8‐IA,LTC‐LBP9‐MA‐IA,LTC‐CD8‐IA,LTC‐CD 9‐MA ‐IA 39.00% 20.00%20.00%11/1/2010

9/8/2010MedA mericaInsuranceCompany NTQ11‐337‐MA‐IA‐401,LTQ11‐336‐MA‐IA‐401,HT Q1 1 ‐338‐MA‐IA‐401 39.00% 20.00%20.00%11/1/2010

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Date

Pr oposed N egotiat edIncrease

8/23/2010PrudentialInsuranceCompanyofAmerica GLTC324/83500COV5022,etal‐‐Notarat efilinginthetraditionalsense.

Upgradecertificatetoanewerpolicy formseries‐‐g uaranteedissue,andthe

optionisattheoptionofthecert ificateholder.

10/1/2010

7/12/2010MetLifeInsuranceCom panyof Connecticut H‐LTC2J ‐36 30.00% 15.40%15.40%11/1/2010

7/12/2010MetLifeInsuranceCom panyof Connecticut H‐LTC3J ‐1 30.00% 17.00%17.00%11/1/2010

7/12/2010MetLifeInsuranceCom panyof Connecticut H‐LTC3JFO20 30.00% 16.50%16.50%11/1/2010

7/12/2010MetLifeInsuranceCom panyof Connecticut H‐LTC3JFQ 39.00% 23.00%23.00%11/1/2010

7/12/2010MetLifeInsuranceCom panyof Connecticut H‐LTC3JP 5 30.00% 17.50%17.50%11/1/2010

7/12/2010MetLifeInsuranceCom panyof Connecticut H‐LTC3JQ 30.00% 20.50%20.50%11/1/2010

7/12/2010MetLifeInsuranceCom panyof Connecticut H‐LTC4JFQ6 30.00% 21.10%21.10%11/1/2010

7/12/2010MetLifeInsuranceCom panyof Connecticut H‐LTC4JQ 30.00% 16.70%16.70%11/1/2010

6/28/2010ContinentalGeneralInsuranceCompany(FKAUnitedTeacher) LG‐990301‐UTAandLG‐950201‐UTA 43.50% 21.00%21.00%10/1/2010

5/7/2010AIGLifeInsuranceCom pany 64028‐IAetal 25.00% 20.00%20.00%7/1/2010

5/7/2010JohnHancockLifeInsuranceCom pany(U.S.A.) Fo rm09WLLTCR ‐Notarateincreaseonexistingpolic yholders;onlynewrates

fornewbusinessonasinglepremium wholelife*rider*.

7/1/2010

4/6/2010JohnHancockLifeInsuranceCom pany P‐FAC E(2009)(Group) (ratesfornewbusinessonly) 15.90% 15.90%15.90%7/1/2010

4/1/2010JohnHancockLifeInsuranceCom pany LTC‐03(ratesfornewbusinesson ly) 13.60% 13.60%13.60%6/1/2010

4/1/2010JohnHancockLifeInsuranceCom pany LTC‐06(ratesfornewbusinesson ly) 6.10% 6.10%6.10%6/1/2010

1/6/2010LincolnNationalLifeInsuranceCom pany HL ‐2500AA(8/90) ‐‐LTC‐1series

HL‐2950AA‐‐LTC‐2seriesetal

25.00% 25.00%25.00%4/1/2010

1/4/2010ContinentalGeneralInsuranceCompany Form440 ‐‐Negotiated:25%now,andthenatrue ‐upfiling13‐monthslat er

basedupontherealizedU.S.averageapproval.

50.00% 25.00%25.00%4/1/2010

28.66% 18.87%AveragerateincreaseofLTCfilingsforCY2010===>>>>

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Date

Pr oposed N egotiat edIncrease

12/28/2009AllianzLifeInsuranceCompanyofNorthAmerica FreedomCare,FutureChoice,FutureSelect,Secur i t y Plus,SeniorSecu rity 25.00% 25.00%25.00%2/1/2010

12/28/2009AllianzLifeInsuranceCompanyofNorthAmerica FutureSelectPlusandTermLTC 25.00% 0.00%0.00%2/1/2010

12/21/2009RiverSourceLifeInsuranceCompany Form30225‐IA 15.00% 15.00%15.00%2/1/2010

12/21/2009RiverSourceLifeInsuranceCompany Forms32040and30240‐IA 15.00% 15.00%15.00%2/1/2010

12/16/2009Wash ington NationalInsuranceCom pany IHP‐9041 40.00% 25.00%25.00%1/1/2010

11/24/2009Wash ington NationalInsuranceCom pany CHIC‐5012,CHIC‐5013 40.00% 25.00%25.00%1/1/2010

11/16/2009ContinentalGeneralInsuranceCompany 405,420,435‐negotiatedfrom50%downto44 % (20%eachyear)over2‐

years‐‐1stincreaseofthe2‐yearphase‐in

50.00% 44.00%20.00%1/1/2010

11/16/2009ContinentalGeneralInsuranceCompany 405,420,435‐negotiatedfrom50%downto44 % (20%eachyear)over2‐

years‐‐2ndincreaseofthe2‐yearphase‐in

20.00%1/1/2011

11/12/2009UnitedAmericanInsuranceCompany LTCIN&LTCBOM 30.00% 19.00%19.00%1/1/2010

11/12/2009UnitedAmericanInsuranceCompany NH1,NH2,NH3,LTC,LTC2&LTC2H 30.00% 19.00%19.00%1/1/2010

11/9/2009KanawhaInsuranceCom pany LTC‐1‐(requested50%andnegotiat at ed3‐yearphase‐in,20%/20%/4.17%next

3‐yearsrespectiv ely)1s toneof 3‐yearphase‐in

50.00% 50.00%20.00%1/1/2010

11/9/2009KanawhaInsuranceCom pany LTC‐1‐(requested50%andnegotiat at ed3‐yearphase‐in,20%/20%/4.17%next

3‐yearsrespectiv ely)2ndoneof3‐yearphase‐in

20.00%1/1/2011

11/9/2009KanawhaInsuranceCom pany LTC‐1‐(requested50%andnegotiat at ed3‐yearphase‐in,20%/20%/4.17%next

3‐yearsrespectiv ely)3rdoneof3‐yearphase‐in

4.17%1/1/2012

11/9/2009KanawhaInsuranceCom pany LTC‐2‐(requested60%andnegotiat at ed3‐yearphase‐in,20%/20%/11.1%next

3‐yearsrespectiv ely)1s toneof 3‐yearphase‐in

60.00% 60.00%20.00%1/1/2010

11/9/2009KanawhaInsuranceCom pany LTC‐2‐(requested60%andnegotiat at ed3‐yearphase‐in,20%/20%/11.1%next

3‐yearsrespectiv ely)2ndoneof3‐yearphase‐in

20.00%1/1/2011

11/9/2009KanawhaInsuranceCom pany LTC‐2‐(requested60%andnegotiat at ed3‐yearphase‐in,20%/20%/11.1%next

3‐yearsrespectiv ely)3rdoneof3‐yearphase‐in

11.10%1/1/2012

11/9/2009KanawhaInsuranceCom pany LTC‐3‐(negotiat edfrom50%downto30%(20%inyear1followedby8.3%in

year2)

50.00% 20.00%20.00%3/1/2010

10/29/2009Guarant eeTrustLifeInsuranceCompany G0100etal 25.00% 25.00%25.00%1/1/2010

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Date

Pr oposed N egotiat edIncrease

10/15/2009SeniorHealthInsuranceCompanyof Pennsylvania 10955,10967,11001and11006 25.00% 25.00%25.00%1/1/2010

10/15/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐FQ‐LTCetal 25.00% 25.00%25.00%1/1/2010

10/15/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐HHC‐1,2,3,4and87 25.00% 25.00%25.00%1/1/2010

10/15/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐1etal 25.00% 25.00%25.00%1/1/2010

10/15/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐3etal 25.00% 6.50%6.50%1/1/2010

10/15/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐6 25.00% 25.00%25.00%1/1/2010

10/15/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐89 25.00% 9.50%9.50%1/1/2010

10/15/2009SeniorHealthInsuranceCompanyof Pennsylvania D425et al 25.00% 25.00%25.00%1/1/2010

10/15/2009MutualofOmahaInsuranceCompany FormsHCAetal‐‐ Thi sisnotarateincr easefiling,butratherupdated

projectionsaftertheinitialrateincr ease.

10/15/2009

10/15/2009StonebridgeLifeInsuranceCompany GC145,GM145(group ) 25.00% 25.00%25.00%1/1/2010

10/8/2009Phy siciansMut ualInsuranceCom pany P103IA&P104IAet al 19.00% 14.50%14.50%3/1/2010

10/5/2009PennTr eatyNetworkAmericaLifeInsuranceCom pany LTC93etal 18.00% 0.00%ProposalDisapprovedbyIID

10/5/2009PennTr eatyNetworkAmericaLifeInsuranceCompany LTC94(IA)‐N 18.00% 0.00%ProposalDisapprovedbyIID

10/5/2009PennTr eatyNetworkAmericaLifeInsuranceCompany LTCTP‐6000 18.00% 0.00%ProposalDisapprovedbyIID

10/5/2009PennTr eatyNetworkAmericaLifeInsuranceCompany PF2600 18.00% 0.00%ProposalDisapprovedbyIID

9/3/2009UnionSecurityInsuranceCompany(TimeInsuranceCompany) 4060,4061,4062,4063,6062&6063 18.00% 18.00%18.00%11/1/2009

8/27/2009CentralStatesHealth&LifeCo.ofO maha 1618,1662,1800,1935,1951,1956,6205,7341,7570,7600,D04‐0470,D04‐

1050

40.00% 10.00%10.00%10/1/2009

8/27/2009CentralStatesHealth&LifeCo.ofO maha N01,N02,N03,N04,N 05,N08,N11,N12 40.00% 10.00%10.00%10/1/2009

6/30/2009MetropolitanLifeInsuranceCompany (Grouplongtermcare)GPNP99 ‐LTC//Ratesfor*newbusiness*only ‐‐inforce

notaffected

7/1/2009

6/22/2009Phy siciansMut ualInsuranceCom pany P124IA 19.00% 19.00%19.00%3/1/2010

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Date

Pr oposed N egotiat edIncrease

6/22/2009Phy siciansMut ualInsuranceCom pany P130&P131IA 19.00% 19.00%19.00%9/1/2009

6/12/2009Transamerica LifeInsuranceCompany 3122(00),GL TP3R 1091etal 20.00% 20.00%20.00%9/1/2009

6/12/2009Transamerica LifeInsuranceCom pany IP‐70‐IA‐494etal 20.00% 18.40%18.40%9/1/2009

5/27/2009Transamerica LifeInsuranceCom pany‐FKATransamerica

Premier

ML‐LTCPTQ(IA )197etal 20.00% 0.00%Proposal*withdrawn*byIID

5/4/2009AmericanR epublic Insuran ceCom pany LTC‐96,LTC‐96CL,LTC‐2000,A3541 13.00% 13.00%13.00%7/1/2009

5/4/2009AmericanR epublic Insuran ceCom pany NH‐99,A35421 13.00% 13.00%13.00%7/1/2009

4/21/2009SeniorHealthInsu ranceCom panyof Pennsylvania ATL‐FQ‐LTCetal 40.00% 0.00%ProposalDisapprovedbyIID

4/21/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐HHC‐1,2,3,4and87 40.00% 0.00%ProposalDisapprovedbyIID

4/21/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐1etal 40.00% 0.00%ProposalDisapprovedbyIID

4/21/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐3etal 40.00% 0.00%ProposalDisapprovedbyIID

4/21/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐6 40.00% 0.00%ProposalDisapprovedbyIID

4/21/2009SeniorHealthInsuranceCompanyof Pennsylvania ATL‐LTC‐89 40.00% 0.00%ProposalDisapprovedbyIID

4/15/2009PrudentialInsuranceCompanyofAmerica ILTC‐1 28.00% 18.00%18.00%7/1/2009

4/3/2009AmericanFidelityAssuranc eCompany NCC1/97,LTC1/97,CC1/97,HHC1/97 35.00% 15.00%15.00%5/1/2009

3/27/2009AmericanFidelity Assu ranc eCompany WBNCC9/97,NHHCR2/98;WBCI9/97;WBNF9/97;WBAD9/97; WB C E9/97;

WBD9/97

35.00% 20.00%20.00%5/1/2009

3/19/2009MetropolitanLifeInsuranceCompany 1LTC‐97&2LTC‐97 13.20% 12.00%12.00%7/1/2009

3/16/2009MetropolitanLifeInsuranceCompany LTC‐FAC,LTC‐VAL,LTC‐IDEAL,LTC‐PREM 16.10% 16.10%16.10%7/1/2009

2/13/2009Bank ersLife&CasualtyCompany GR‐7A1 35.00% 15.00%15.00%4/1/2009

2/13/2009Bank ersLife&CasualtyCompany GR‐N050 35.00% 15.00%15.00%4/1/2009

2/13/2009Bank ersLife&CasualtyCompany GR‐N100&GR‐N105 35.00% 18.00%18.00%4/1/2009

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Date

Pr oposed N egotiat edIncrease

2/13/2009Bank ersLife&CasualtyCompany GR‐N160&GR‐N165 35.00% 18.00%18.00%4/1/2009

2/13/2009Bank ersLife&CasualtyCompany GR‐N240&GR‐N250 35.00% 18.00%18.00%4/1/2009

2/10/2009AmericanHeritageLifeInsuranceCom pany(MutualofOmaha) BS C‐LTC‐4/95 40.00% 20.00%20.00%4/1/2009

2/4/2009JacksonNationalLifeIn suranceCom pany ‐‐ReassureAmerica A‐4901 30.00% 20.00%20.00%4/1/2009

2/4/2009JacksonNationalLifeIn suranceCom pany ‐‐ReassureAmerica A‐5000 30.00% 20.00%20.00%4/1/2009

1/12/2009MetropolitanLifeInsuranceCompany LTC2‐IDEAL‐IAetal‐‐Newratesfornewbusinessonly(inforcepoliciesnot

affect ed)

2/1/2009

1/9/2009PennTr eatyNetworkAmericaLifeInsuranceCompany LTC94(IA)‐N 18.00% 0.00%ProposalDisapprovedbyIID

1/9/2009PennTr eatyNetworkAmericaLifeInsuranceCompany LTCTP‐6000 18.00% 0.00%ProposalDisapprovedbyIID

1/9/2009PennTr eatyNetworkAmericaLifeInsuranceCompany PF2600 18.00% 0.00%ProposalDisapprovedbyIID

1/8/2009MutualofOmahaInsuranceCompany FormsHCAetal‐‐ Thi sisnotarateincr easefiling,butratherupdated

projectionsaftertheinitialrateincr ease.

1/8/2009

28.63% 15.47%AveragerateincreaseofLTCfilingsforCY2009===>>>>

11/24/2008AIGLifeInsuranceCom pany 64028‐IAetal 25.00% 15.00%15.00%1/1/2009

10/30/2008JohnHancockLifeInsuranceCom pany LTC‐91,LTC‐94 13.00% 13.00%13.00%1/1/2009

10/30/2008JohnHancockLifeInsuranceCom pany LTC96,LTC96CL,LT2000 13.00% 13.00%13.00%1/1/2009

10/30/2008JohnHancockLifeInsuranceCom pany NH‐91,NH‐94 13.00% 13.00%13.00%1/1/2009

10/30/2008JohnHancockLifeInsuranceCom pany NH‐99 13.00% 13.00%13.00%1/1/2009

10/1/2008MedicoLifeInsuranceCompany 3358,691,692,694,698 7.63% 7.63%7.63%1/1/2009

10/1/2008MedicoInsuranceCompany 3358,691,692,694,698 7.63% 7.63%7.63%1/1/2009

9/12/2008PennTr eatyNetworkAmericaLifeInsuranceCompany 2400 18.00% 18.00%18.00%11/1/2008

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Date

Pr oposed N egotiat edIncrease

9/12/2008PennTr eatyNetworkAmericaLifeInsuranceCom pany LTC93etal 18.00% 18.00%18.00%11/1/2008

8/12/2008JohnAldenLifeInsuranceCom pany J‐5762‐P‐IA&J5875‐P‐IA(Q),IA(NQ) 25.00% 10.00%10.00%10/1/2008

7/1/2008ConsecoSeniorHealthInsuranceCompany ATL‐LTC‐3etal 25.00% 15.00%15.00%8/26/2008

6/23/2008Phy siciansMut ualInsuranceCom pany B324etal(Ratesfor*new*businessonly ‐‐infor cepoliciesnotaffected)7/1/2008

6/19/2008Wash ington NationalIns uranceCompany GHC‐7204etal 25.00% 0.00%ProposalDisapprovedbyIID

6/19/2008Wash ington NationalInsuranceCom pany GHC‐7204etal 25.00% 0.00%ProposalDisapprovedbyIID

6/11/2008PrudentialInsuranceCompanyofAmerica 83500COV50227/1/2008

6/9/2008ConsecoSeniorHealthInsuranceCompany ATL‐LTC‐89 25.00% 15.00%15.00%8/6/2008

6/9/2008ConsecoSeniorHealthInsuranceCompany D425etal 25.00% 20.00%20.00%8/1/2008

6/9/2008StonebridgeLifeInsuranceCompany GC145,GM145(group ) 25.00% 20.00%20.00%8/1/2008

5/5/2008ConsecoSeniorHealthInsuranceCompany ATL‐FQ‐LTCetal 25.00% 20.00%20.00%8/6/2008

5/5/2008Guarant eeTrustLifeInsuranceCompany G0100etal 25.00% 20.00%20.00%7/1/2008

4/28/2008ConsecoSeniorHealthInsuranceCompany ATL‐LTC‐1etal 25.00% 15.00%15.00%6/23/2008

4/25/2008GenworthLif eInsuranceCompany 50000,50020andPC P 9.00% 9.00%9.00%7/1/2008

4/25/2008GenworthLif eInsuranceCompany 6394,6395and6465 8.00% 8.00%8.00%7/1/2008

4/25/2008GenworthLif eInsuranceCompany 7000and7020 12.00% 12.00%12.00%7/1/2008

4/25/2008GenworthLif eInsuranceCompany 7030,7031and7032 11.00% 11.00%11.00%7/1/2008

4/24/2008ConsecoSeniorHealthInsuranceCompany 10955,10967,11001and11006 25.00% 20.00%20.00%7/1/2008

4/24/2008ConsecoSeniorHealthInsuranceCompany ATL‐HHC‐1,2,3,4and87 25.00% 15.00%15.00%7/10/2008

4/24/2008ConsecoSeniorHealthInsuranceCompany ATL‐LTC‐6 25.00% 20.00%20.00%6/22/2008

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Date

Pr oposed N egotiat edIncrease

4/21/2008LincolnBenefitLifeCompany 6301,6302and6303 31.00% 15.00%15.00%7/1/2008

4/17/2008RiverSourceLifeInsuranceCompany Form30225‐IA 15.00% 15.00%15.00%7/1/2008

4/17/2008RiverSourceLifeInsuranceCompany Forms32040and30240‐IA 15.00% 15.00%15.00%7/1/2008

4/7/2008ConsecoSeniorLifeInsuranceCom pany/TransportLife_Amer 10860 25.00% 20.00%20.00%7/1/2008

2/13/2008StandardLifeandAc cidentInsuran ceCom pany 1270‐796Aetal 25.70% 15.80%15.80%4/1/2008

2/5/2008RiverSourceLifeInsuranceCompany 30160A(implementedin3stagesof 10%over3‐years) 33.10% 33.10%33.10%4/1/2008

2/5/2008RiverSourceLifeInsuranceCompany 30160A‐32100(wit hend orsement) 10.00% 10.00%10.00%4/1/2008

1/22/2008ProvidentLifeandAcc identInsuranceCompany L‐21826etal(for*new*businessonly ‐‐ inforcepoliciesnotaffected)2/1/2008

19.64% 14.31%AveragerateincreaseofLTCfilingsforCY2008===>>>>

11/14/2007PrudentialInsuranceCompanyofA merica A ffiliat ionDiscountF iling

ILTC‐3 ‐‐ Notarateincreasefilingonexistingpolicies

1/1/2008

10/10/2007ConsecoSeniorHealthInsuranceCompany ATL‐FQ‐LTCetal 25.00% 0.00%Proposal*withdrawn*byIID

7/23/2007PennTr eatyNetworkAmericaLifeInsuranceCompany 2400 63.10% 0.00%ProposalDisapprovedbyIID

7/23/2007PennTr eatyNetworkAmericaLifeInsuranceCompany 2600 88.70% 0.00%ProposalDisapprovedbyIID

7/23/2007PennTr eatyNetworkAmericaLifeInsuranceCompany 6000 78.90% 0.00%ProposalDisapprovedbyIID

7/23/2007PennTr eatyNetworkAmericaLifeInsuranceCom pany LTC93 70.20% 0.00%ProposalDisapprovedbyIID

7/23/2007PennTr eatyNetworkAmericaLifeInsuranceCom pany LTC94 50.80% 0.00%ProposalDisapprovedbyIID

6/26/2007JohnHancockLifeInsuranceCom pany LTC‐03IA(ratesfornewbusinessonly) 7.00% 7.00%7.00%9/1/2007

5/29/2007ConsecoSeniorHealthInsuranceCompany ATL‐LTC‐3etal 25.00% 22.00%22.00%7/1/2007

5/29/2007ConsecoSeniorHealthInsuranceCompany ATL‐LTC‐89 25.00% 25.00%25.00%7/1/2007

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Date

Pr oposed N egotiat edIncrease

5/18/2007Transamer icaLifeInsuranceCo mpany 3122(00) ,GL TP3R 1091etal 25.00% 21.00%21.00%8/1/2007

5/18/2007Transamerica LifeInsuranceCom pany IP‐70‐IA‐494etal 25.00% 24.00%24.00%8/1/2007

5/18/2007Transamerica LifeInsuranceCom pany LTCP1289(IA )etal 25.00% 21.00%21.00%8/1/2007

5/16/2007MutualofOmahaInsuranceCompany FormsHCAetal 9.00% 9.00%9.00%7/1/2007

1/29/2007ConsecoSeniorHealthInsuranceCompany D425etal 25.00% 25.00%25.00%3/1/2007

1/25/2007ConsecoSeniorHealthInsuranceCompany 11001 25.00% 16.00%16.00%4/1/2007

1/16/2007ConsecoSeniorHealthInsuranceCompany 10955,10967etal 25.00% 25.00%25.00%5/1/2007

1/10/2007StonebridgeLifeInsuranceCompany GC145,GM145(group ) 25.00% 25.00%25.00%4/1/2007

1/9/2007AmericanFidelityAssuranc eCompany NCC1/97,LTC1/97,CC1/97,HHC1/97 15.00% 15.00%15.00%4/1/2007

1/4/2007Transamer icaLifeInsuranceCompany‐FKATransamerica

Premier

ML‐LTCPTQ(IA )197etal 25.00% 20.00%20.00%2/1/2007

34.62% 13.42%AveragerateincreaseofLTCfilingsforCY2007===>>>>

12/28/2006AmericanFidelityAssuranc eCompany WBNCC9/97‐IA 10.00% 8.70%8.70%2/1/2007

11/21/2006ConsecoSeniorHealthInsuranceCompany ATL‐LTC‐6 25.00% 23.00%23.00%1/1/2007

11/6/2006ConsecoSeniorHealthInsuranceCompany ATL‐LTC‐1(IA) 100.67

25.00%25.00%1/1/2007

11/2/2006UNUMLifeInsuranceCom panyof America LTC94,L TC 94Q 30.00% 23.00%23.00%1/1/2007

10/31/2006NationalStatesInsuranceCompany NHI‐2 50.00% 30.00%30.00%1/1/2007

8/1/2006NassauLifeInsCoof Texas‐FKAConstitutionLife_UnionBankers HHC‐89etal 30.00% 22.00%22.00%10/1/2006

7/31/2006MedicoInsuranceCompany 3358,691,692,694,698 19.70% 17.40%17.40%9/1/2006

7/31/2006MedicoLifeInsuranceCompany 3358,691,692,694,698 19.70% 17.40%17.40%9/1/2006

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Date

Pr oposed N egotiat edIncrease

6/2/2006AIGLifeInsuranceCom pany 64028‐IAetal 25.00% 20.00%20.00%7/1/2006

6/1/2006LincolnNationalLifeInsuranceCom pany HL ‐2500AA(8/90)etal 40.00% 33.00%33.00%7/1/2006

5/17/2006AmericanR epublic InsuranceCom pany A‐2822IA( group ) 9.50% 9.50%9.50%8/1/2006

4/18/2006AmericanFidelity Assu ranc eCompany NCC1/97,LTC1/97,CC1/97,HHC1/97 40.00% 25.00%25.00%7/1/2006

3/17/2006KanawhaInsuranceCom pany 806501/97,808801/98 20.00% 12.00%12.00%5/1/2006

2/16/2006AmericanHeritageLifeInsuranceCom pany(MutualofOmaha) BS C‐LTC‐4/95 35.00% 20.00%20.00%4/1/2006

2/16/2006AmericanFidelity Assu ranc eCompany WBNCC9/97‐IA 25.00% 15.00%15.00%3/1/2006

1/27/2006AIGLifeInsuranceCom pany 64028‐IAetal 25.00% 0.00%ProposalDisapprovedbyIID

1/5/2006Bank ersLife&CasualtyCompany GR‐N050etal 35.00% 33.00%33.00%4/1/2006

31.74% 19.65%AveragerateincreaseofLTCfilingsforCY2006===>>>>

12/15/2005PennTr eatyNetworkAmericaLifeInsuranceCom pany LTC‐3etal 13.30% 10.00%10.00%1/1/2006

12/15/2005PennTr eatyNetworkAmericaLifeInsuranceCom pany LTC93etal 13.30% 10.00%10.00%1/1/2006

12/15/2005PennTr eatyNetworkAmericaLifeInsuranceCompany LTCTP‐6000et al 14.80% 10.00%10.00%1/1/2006

12/12/2005SILACInsuranceCompany 2002etal 35.00% 32.00%32.00%1/1/2006

11/18/2005PennTr eatyNetworkAmericaLifeInsuranceCompany 2400 14.80% 12.50%12.50%1/1/2006

11/18/2005PennTr eatyNetworkAmericaLifeInsuranceCompany 2600 6.70% 6.70%6.70%1/1/2006

11/18/2005PennTr eatyNetworkAmericaLifeInsuranceCom pany IL2 17.30% 12.50%12.50%1/1/2006

11/18/2005PennTr eatyNetworkAmericaLifeInsuranceCom pany IL94 17.30% 6.00%6.00%1/1/2006

11/18/2005PennTr eatyNetworkAmericaLifeInsuranceCom pany LTC94 33.00% 12.50%12.50%1/1/2006

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Date

Pr oposed N egotiat edIncrease

11/18/2005PennTr eatyNetworkAmericaLifeInsuranceCom pany NHSeries(LTC‐300,LTC‐400) 13.30% 10.00%10.00%1/1/2006

11/2/2005NassauLifeIns.Co.ofKansas(FKA PyramidLife) C71etal 25.00% 0.00%ProposalDisapprovedbyIID

10/4/2005KanawhaInsuranceCom pany 806504/94etal 15.00% 15.00%15.00%1/1/2006

10/4/2005MedicoLifeInsuranceCompany MP‐LT201(IA)/MP‐LT201TQ(IA) 15.00% 10.00%10.00%1/1/2006

10/4/2005MedicoInsuranceCompany MP‐L T201(IA)/MP‐LT201TQ(IA) 15.00% 10.00%10.00%1/1/2006

9/20/2005UnitedAmericanInsuranceCompany LTC2/LTC2H 30.00% 30.00%30.00%11/1/2005

7/26/2005FortisInsu ranceCom pany 4040‐IA(rev7/1/94) 25.80% 25.80%25.80%9/1/2005

7/26/2005FortisInsuranceCom pany 4042‐IA‐‐(requested55.6%butnegotiat at ed2‐yearphase‐in,30%year1and

19.7%year2

55.60% 30.00%30.00%9/1/2005

7/25/2005NationalStatesInsuranceCompany LLT‐1 40.00% 35.00%35.00%10/1/2005

7/19/2005Thrivent FinancialforLutherans Forms12105etal 45.00% 28.00%28.00%10/1/2005

7/7/2005Transamer icaOc c identalLifeInsuranceCom pany 1‐812etal 35.00% 32.00%32.00%9/1/2005

7/7/2005Transamer icaLifeInsuranceCo mpany 3122(00) ,GL TP3R 1091etal 35.00% 32.00%32.00%9/1/2005

7/7/2005Transamer icaLifeInsuranceCompany IP‐70‐IA‐494etal 35.00% 32.00%32.00%9/1/2005

7/7/2005Transamer icaLifeInsuranceCompany LTCP1289(IA)etal 35.00% 32.00%32.00%9/1/2005

7/1/2005IDSLifeInsuranceCompany 30225‐IA 35.00% 35.00%35.00%10/1/2005

7/1/2005IDSLifeInsuranceCompany 30240‐IA,30240 35.00% 35.00%35.00%10/1/2005

2/16/2005UnitedAmericanInsuranceCompany LTC 30.00% 30.00%30.00%4/1/2005

2/16/2005UnitedAmericanInsuranceCompany NH2andN H3 18.20% 18.20%18.20%4/1/2005

1/18/2005ContinentalGeneralInsuranceCompany 405,420,435,440,445 41.00% 36.00%36.00%4/1/2005

1/18/2005ContinentalGeneralInsuranceCompany 460,461,470,471 26.00% 26.00%26.00%4/1/2005

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Date

Pr oposed N egotiat edIncrease

26.57% 21.18%AveragerateincreaseofLTCfilingsforCY2005===>>>>

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