| Broker Competitive Analysis (Per Trip Plans) | ||||||
| Avalon Travel Survey, Version: July 2003 | ||||||
| Plan Length | 8 days | |||||
| Plan Name | Manulife Travel Insurance | RBC (APEQ) | Travel Underwriters (All Provinces) including US | MediSelect (APEQ) | Tour Med (Trips Fla only) (Quebec only) Optimal Rates | TIC |
| Published Rates | Jul-2003 | Feb-2003 | Jul-2002 | Jul-2003 | Jul-2003 | Jul-2003 |
| Criteria | Elite Rates, 6mths stable, 0 Deductible, 5% companion discount, 5% claim free discount, no med dec | Classic<60, Gold>60, 90 days stable, 0 Deductible | Worldwide incl. US Stable pre-ex's: <55yrs <29 days=7 days stable, >28days=90days stable, 56-59yrs <15days=7days stable, >14days=180days stable, 70-89yrs=365days stable, $250 deductible, med eligibility for 70+ | Elite rates, 6 mths stable, Deductibles: <55 = 0 deductible 55-84yrs=$200US (+10% for 0 deductible) 85+=$1000US (+20% for 0 deductible), med dec eligibility & rate for 55+ | Preferred rates:12 mths stable major conditions, other conditions:<76=3mths stable, 76+=6 mths stable, 0 deductible, 5%companion discount, med eligibility all ages, + med dec eligibility & rate 55+ | USA Plan up to 70(61-70 up to 35 days);Seniors Worldwide 61+; 180 day stable for trips >35 days up to age 70, 71+ all durations, no med dec |
| Age: | 29 | |||||
| Rate | $16.00 | $25.00 | $15.00 | $25.00 | $20.00 | $13.60 |
| MFTI as compared to… | 61% | 92% | 61% | 80% | 112% | |
| Age: | 39 | |||||
| Rate | $16.00 | $28.00 | $15.00 | $25.00 | $20.00 | $15.20 |
| MFTI as compared to… | 54% | 92% | 61% | 80% | 100% | |
| Age: | 49 | |||||
| Rate | $19.00 | $28.00 | $15.00 | $25.00 | $20.00 | $15.20 |
| MFTI as compared to… | 64% | 109% | 72% | 95% | 119% | |
| Age: | 52 | |||||
| Rate | $19.00 | $28.00 | $15.00 | $25.00 | $20.00 | $15.20 |
| MFTI as compared to… | 64% | 109% | 72% | 95% | 119% | |
| Age: | 57 | |||||
| Rate | $25.00 | $28.00 | $15.00 | $25.00 | $20.00 | $15.20 |
| MFTI as compared to… | 85% | 144% | 95% | 125% | 156% | |
| Age: | 62 | |||||
| Rate | $38.00 | $27.00 | $32.00 | $25.00 | $20.00 | $26.40 |
| MFTI as compared to… | 134% | 103% | 144% | 190% | 137% | |
| Age: | 67 | |||||
| Rate | $49.00 | $29.00 | $44.00 | $25.00 | $24.48 | $32.00 |
| MFTI as compared to… | 161% | 96% | 186% | 200% | 145% | |
| Age: | 72 | |||||
| Rate | $77.00 | $42.00 | $84.00 | $29.28 | $30.24 | $64.00 |
| MFTI as compared to… | 174% | 79% | 250% | 255% | 114% | |
| Age: | 77 | |||||
| Rate | $142.00 | $68.00 | $136.00 | $51.12 | $52.80 | $104.00 |
| MFTI as compared to… | 198% | 90% | 264% | 269% | 130% | |