| Broker Competitive Analysis (Per Trip Plans) | ||||||
| Avalon Travel Survey, Version: July 2003 | ||||||
| Plan Length | 60 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, med dec eligibility & rates for 55+ | 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 | $117.00 | $105.00 | $60.00 | $88.20 | $75.60 | $102.00 |
| MFTI as compared to… | 106% | 168% | 126% | 155% | 109% | |
| Age: | 39 | |||||
| Rate | $117.00 | $148.00 | $60.00 | $111.00 | $86.40 | $114.00 |
| MFTI as compared to… | 75% | 168% | 100% | 135% | 98% | |
| Age: | 49 | |||||
| Rate | $135.00 | $148.00 | $90.00 | $111.00 | $86.40 | $114.00 |
| MFTI as compared to… | 87% | 130% | 116% | 156% | 113% | |
| Age: | 52 | |||||
| Rate | $135.00 | $148.00 | $90.00 | $111.00 | $86.40 | $114.00 |
| MFTI as compared to… | 87% | 130% | 116% | 156% | 113% | |
| Age: | 57 | |||||
| Rate | $147.00 | $148.00 | $105.00 | $126.00 | $118.80 | $114.00 |
| MFTI as compared to… | 94% | 121% | 111% | 124% | 123% | |
| Age: | 62 | |||||
| Rate | $206.00 | $181.00 | $240.00 | $139.20 | $149.40 | $204.00 |
| MFTI as compared to… | 108% | 74% | 141% | 138% | 96% | |
| Age: | 67 | |||||
| Rate | $279.00 | $232.00 | $330.00 | $186.60 | $193.20 | $252.00 |
| MFTI as compared to… | 114% | 73% | 142% | 144% | 105% | |
| Age: | 72 | |||||
| Rate | $426.00 | $356.00 | $630.00 | $273.00 | $282.60 | $480.00 |
| MFTI as compared to… | 114% | 58% | 148% | 151% | 84% | |
| Age: | 77 | |||||
| Rate | $665.00 | $606.00 | $1,020.00 | $455.40 | $442.80 | $780.00 |
| MFTI as compared to… | 104% | 56% | 139% | 150% | 81% | |