| Broker Competitive Analysis (Per Trip Plans) | ||||||
| Avalon Travel Survey, Version: July 2003 | ||||||
| Plan Length | 90 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 | $180.00 | $150.00 | $112.50 | $126.90 | $113.40 | $153.00 |
| MFTI as compared to… | 114% | 138% | 135% | 159% | 112% | |
| Age: | 39 | |||||
| Rate | $180.00 | $222.00 | $112.50 | $161.10 | $142.20 | $171.00 |
| MFTI as compared to… | 77% | 138% | 106% | 127% | 100% | |
| Age: | 49 | |||||
| Rate | $206.00 | $222.00 | $135.00 | $161.10 | $142.20 | $171.00 |
| MFTI as compared to… | 88% | 132% | 121% | 145% | 114% | |
| Age: | 52 | |||||
| Rate | $206.00 | $222.00 | $135.00 | $161.10 | $142.20 | $171.00 |
| MFTI as compared to… | 88% | 132% | 121% | 145% | 114% | |
| Age: | 57 | |||||
| Rate | $228.00 | $222.00 | $202.50 | $198.00 | $184.50 | $171.00 |
| MFTI as compared to… | 92% | 92% | 94% | 117% | 120% | |
| Age: | 62 | |||||
| Rate | $321.00 | $309.00 | $585.00 | $234.90 | $234.90 | $306.00 |
| MFTI as compared to… | 93% | 45% | 112% | 129% | 94% | |
| Age: | 67 | |||||
| Rate | $434.00 | $421.00 | $832.50 | $309.60 | $320.40 | $378.00 |
| MFTI as compared to… | 93% | 43% | 115% | 128% | 103% | |
| Age: | 72 | |||||
| Rate | $664.00 | $570.00 | $1,215.00 | $415.80 | $429.30 | $720.00 |
| MFTI as compared to… | 105% | 45% | 131% | 147% | 83% | |
| Age: | 77 | |||||
| Rate | $1,037.00 | $1,032.00 | $2,160.00 | $729.00 | $753.30 | $1,170.00 |
| MFTI as compared to… | 90% | 39% | 116% | 130% | 80% | |