| Broker Competitive Analysis (Per Trip Plans) | ||||||
| Avalon Travel Survey, Version: July 2003 | ||||||
| Plan Length | 120 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 | $241.00 | $193.00 | $150.00 | $165.60 | $151.20 | $204.00 |
| MFTI as compared to… | 119% | 139% | 138% | 159% | 112% | |
| Age: | 39 | |||||
| Rate | $241.00 | $296.00 | $150.00 | $213.60 | $205.20 | $228.00 |
| MFTI as compared to… | 77% | 139% | 107% | 117% | 100% | |
| Age: | 49 | |||||
| Rate | $276.00 | $296.00 | $180.00 | $213.60 | $205.20 | $228.00 |
| MFTI as compared to… | 89% | 132% | 123% | 135% | 115% | |
| Age: | 52 | |||||
| Rate | $276.00 | $296.00 | $180.00 | $213.60 | $205.20 | $228.00 |
| MFTI as compared to… | 89% | 132% | 123% | 135% | 115% | |
| Age: | 57 | |||||
| Rate | $309.00 | $296.00 | $270.00 | $271.20 | $279.60 | $228.00 |
| MFTI as compared to… | 94% | 94% | 93% | 105% | 122% | |
| Age: | 62 | |||||
| Rate | $436.00 | $457.00 | $780.00 | $354.00 | $366.00 | $444.00 |
| MFTI as compared to… | 86% | 46% | 101% | 113% | 88% | |
| Age: | 67 | |||||
| Rate | $590.00 | $612.00 | $1,110.00 | $470.40 | $486.00 | $636.00 |
| MFTI as compared to… | 87% | 43% | 103% | 115% | 83% | |
| Age: | 72 | |||||
| Rate | $905.00 | $769.00 | $1,620.00 | $597.60 | $618.00 | $1,200.00 |
| MFTI as compared to… | 106% | 46% | 124% | 139% | 68% | |
| Age: | 77 | |||||
| Rate | $1,414.00 | $1,454.00 | $2,880.00 | $1,075.20 | $1,111.20 | $2,640.00 |
| MFTI as compared to… | 88% | 40% | 108% | 121% | 48% | |