| Broker Competitive Analysis (Per Trip Plans) | ||||||
| Avalon Travel Survey, Version: July 2003 | ||||||
| Plan Length | 15 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, med dec for rates for 60+ | 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 | $34.00 | $37.00 | $15.00 | $28.65 | $20.00 | $25.50 |
| MFTI as compared to… | 87% | 196% | 113% | 170% | 127% | |
| Age: | 39 | |||||
| Rate | $34.00 | $44.00 | $15.00 | $34.20 | $21.00 | $28.50 |
| MFTI as compared to… | 73% | 196% | 94% | 162% | 113% | |
| Age: | 49 | |||||
| Rate | $39.00 | $44.00 | $22.50 | $34.20 | $21.00 | $28.50 |
| MFTI as compared to… | 84% | 150% | 108% | 186% | 130% | |
| Age: | 52 | |||||
| Rate | $39.00 | $44.00 | $22.50 | $34.20 | $21.00 | $28.50 |
| MFTI as compared to… | 84% | 150% | 108% | 186% | 130% | |
| Age: | 57 | |||||
| Rate | $54.00 | $44.00 | $26.25 | $30.75 | $28.20 | $28.50 |
| MFTI as compared to… | 117% | 178% | 167% | 191% | 180% | |
| Age: | 62 | |||||
| Rate | $80.00 | $41.00 | $60.00 | $36.00 | $36.45 | $49.50 |
| MFTI as compared to… | 185% | 115% | 211% | 219% | 154% | |
| Age: | 67 | |||||
| Rate | $105.00 | $46.00 | $82.50 | $44.25 | $45.90 | $60.00 |
| MFTI as compared to… | 217% | 110% | 225% | 229% | 166% | |
| Age: | 72 | |||||
| Rate | $164.00 | $67.00 | $157.50 | $54.90 | $56.70 | $120.00 |
| MFTI as compared to… | 233% | 90% | 284% | 289% | 130% | |
| Age: | 77 | |||||
| Rate | $301.00 | $119.00 | $255.00 | $95.85 | $99.00 | $195.00 |
| MFTI as compared to… | 240% | 102% | 298% | 304% | 154% | |