| Broker Competitive Analysis (Per Trip Plans) | ||||||
| Avalon Travel Survey, Version: July 2003 | ||||||
| Plan Length | 180 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, 70-89 =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 | $374.00 | $285.00 | $270.00 | $244.80 | $226.80 | $306.00 |
| MFTI as compared to… | 125% | 120% | 145% | 165% | 116% | |
| Age: | 39 | |||||
| Rate | $374.00 | $445.00 | $270.00 | $324.00 | $356.40 | $342.00 |
| MFTI as compared to… | 80% | 120% | 110% | 105% | 104% | |
| Age: | 49 | |||||
| Rate | $428.00 | $445.00 | $360.00 | $324.00 | $356.40 | $342.00 |
| MFTI as compared to… | 91% | 103% | 125% | 120% | 119% | |
| Age: | 52 | |||||
| Rate | $428.00 | $445.00 | $360.00 | $324.00 | $356.40 | $342.00 |
| MFTI as compared to… | 91% | 103% | 125% | 120% | 119% | |
| Age: | 57 | |||||
| Rate | $485.00 | $445.00 | $630.00 | $486.00 | $500.40 | $342.00 |
| MFTI as compared to… | 98% | 63% | 82% | 92% | 128% | |
| Age: | 62 | |||||
| Rate | $684.00 | $721.00 | $1,440.00 | $581.40 | $601.20 | $756.00 |
| MFTI as compared to… | 85% | 39% | 96% | 108% | 81% | |
| Age: | 67 | |||||
| Rate | $928.00 | $922.00 | $2,160.00 | $763.20 | $788.40 | $1,134.00 |
| MFTI as compared to… | 91% | 35% | 99% | 112% | 74% | |
| Age: | 72 | |||||
| Rate | $1,432.00 | $1,270.00 | $2,880.00 | $1,033.20 | $1,067.40 | $1,980.00 |
| MFTI as compared to… | 101% | 41% | 113% | 127% | 65% | |
| Age: | 77 | |||||
| Rate | $2,236.00 | $2,252.00 | $4,500.00 | $1,713.60 | $1,771.20 | $3,960.00 |
| 89% | 41% | 107% | 120% | 51% | ||