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<br />March 2011 Voluntary Life Insurance Comparison for City of Sunny Isles <br /> <br />Carrier Lincoln Sunlife Mutual of Omaha Reliance Standard <br />Classes <br />Class I All Eligible Employees All Eligible Employees All Eligible Employees All Eligible Employees <br />Benefit <br /> increments of $10,000 increments of $10,000 increments of $10,000 increments of $10,000 <br />Class I Benefit up to max of $300,000 up to max of $300,000 up to max of $300,000 up to max of $500,000 <br /> 1.5 x employee to a 1.5 x employee to a 50% of employee up to increments of $10,000 <br />Spouse max of $150,000 max of $150,000 $150,000 up to max of $500,000 <br />Children $10,000 $10,000 $10,000 Max $10,000 Max <br /> $100,000 Employee, $100,000 Employee, <br /> $50,000 Spouse, $20,000 Spouse, Child <br />Guarantee Issue Excess of $80,000 Excess of $80,000 $10,000 Child $10,000 <br />Minimum participation 10 enrolled 10 enrolled 28% 10% <br />Portability Included Included Included Included <br />Rates per $10,000 <br />Under 25 1.20 1.20 1.20 1.02 <br />25-29 1.20 1.20 1.20 1.02 <br />--..----..-- <br />30-34 1.30 1.30 1.30 0.98 <br /> 1__ <br />35-39 1.90 1.90 1.90 1.42 <br />40-44 3.10 3.10 3.10 2.34 <br />-- -- -- -... ..- -- - <br />45-49 5.10 5.10 5.10 3.98 <br /> i <br />50-54 7.70 7.70 7.70 6.52 <br />___00- 1- - <br />55-59 11.40 11.40 11.40 11.20 <br />---------...-------- - __ - _..._________n____ <br />60-64 18.80 18.80 18.80 13.67 <br />65-69 34.00 34.00 34.00 20.49 <br />----- _ --- n <br />70-74 48.00 48.00 48.00 39.17 <br />Rate Guarantee in months 24 Months 24 Months 36 Months 24 Months <br /> <br />~ <br />l!B <br />BL1'./.FlT <br /> <br />'The information outlined is based on census data provided. Final rates are subject to underwriting. <br />This proposal is illustrative. Policy and certificate of coverage will supersede. <br /> <br />2/16/2011 <br />