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MEDICARE SUPPLEMENT INSURANCE

2019-2020 Rate Comparison Guide

MONTANA

COMMISSIONER OF SECURITIES & INSURANCE MATT M. ROSENDALE OFFICE OF THE COMMISSIONER MONTANA STATE AUDITOR

Dear Montanan:

My office is pleased to provide you with the 2019-2020 Medicare Supplement Insurance Rate Comparison Guide. I hope you will find it useful as you begin the process of determining which insurer is right for you. As always, being an informed consumer will help you make the best possible choice.

This guide gives you a general idea of rates available in Montana. The annual premium rates listed in this rate guide reflect data from surveys completed by the insurers and only those insurers who chose to respond to the survey are included in this guide. The rates may change throughout the year, so this guide is only a snapshot of what the rates are when the survey was completed.

For specific information, you must contact the individual insurance companies.

Comparison shopping takes time, but it can save you money. I encourage you to put this guide to work for you. Shop carefully and contact our office if you have questions. Our knowledgeable staff is dedicated to assisting you with a wide range of insurance issues. Please call us toll-free at 1-800-332-6148 or at (406) 444-2040. You can also find additional useful information on our website at www.csimt.gov.

Sincerely,

Matt Rosendale Commissioner of Securities & Insurance Montana State Auditor

Phone: 1-800-332-6148 / (406) 444-2040 / Main Fax: (406) 444-3497 Securities Fax: (406) 444-5558 / PHS Fax: (406) 444-1980 / Legal Fax: (406) 444-3499 840 Helena Ave., Helena, MT 59601 Website: www.csimt.gov E-Mail: [email protected]

As Commissioner of Securities & Insurance, I’m here to serve you. Please let my office know if you need anything.

mailto:[email protected]

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What is Medicare Supplement Insurance?

Medicare Supplement insurance is sold by private insurance companies and can help pay some health care costs that Medicare does not cover such as: Copays Coinsurance Deductibles

If you have Medicare and you buy a supplemental policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs, then your Medicare Supplement policy pays its share.

How to compare Medicare Supplement Policies:

Medicare Supplement policies are standardized meaning every Medicare Supplement policy must follow federal and state laws designed to protect you. Insurance companies can only sell a “standardized” policy identified with a letter (Plan G, for example). All policies offer the same basic benefits but some feature additional benefits. This allows you to choose which plan best meets your needs.

Medicare Supplement for under age 65

All companies are required to provide policies for people who are under age 65 and eligible for Medicare due to disability.

How do companies base their premiums?

Companies base their premiums on one of three ways: Attained age, Issue age, or Community-rated.

Some policies also offer additional coverage, like medical care when you travel outside the U.S.

Attained age = Premium is based on your age and will automatically increase as you get older. Issue age =

Premium is based on the age you were when you purchased the policy and will only increase when a rate increase is approved.

Community-rated = Premium is generally priced the same for everyone who has that Medicare Supplement plan. The age of the beneficiary does not affect the premium price.

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Things to know about Medicare Supplement Insurance Policies:

1. You must have Medicare Part A and Part B.

2. In addition to the monthly Part B premium that you pay to Medicare, you pay the privateinsurance company a monthly premium for your supplemental policy.

3. A supplemental policy only covers one person. If you and your spouse both wantsupplemental coverage, you must each buy separate policies. Some companies offerhousehold discounts.

4. You can buy a Medicare Supplement policy from any insurance company that is licensed inMontana to sell one.

5. All standardized Medicare Supplement policies are guaranteed renewable even if you havehealth problems. This means the insurance company cannot cancel your policy as long as youpay the premium.

6. Since January 1, 2006, supplemental policies are not allowed to cover prescription drugs. Ifyou want prescription drug coverage, you must sign up for a Medicare Prescription Drug Plan(Part D).

7. If you have a Medicare Advantage Plan, you can apply for a Medicare Supplement policy, butmake sure you can leave the Medicare Advantage Plan before your supplement policy begins.

8. It is illegal for anyone to sell you a supplemental policy if you have a Medicare MedicalSavings Account (MSA) Plan.

Starting 1/1/2020: Congress will no longer allow Medicare Supplement plans C, F, and F High Deductible (HD) to

be sold to newly eligible beneficiaries since these plans cover the part B deductible. NOTE: Aslong as you turned 65 prior to January 1, 2020 or become eligible to Medicare due todisability prior to this date you can continue to enroll in these first-dollar coverage plans afterthey have been discontinued.

Companies can begin offering a Plan G High Deductible (HD).

For beneficiaries that are not eligible for Medicare until January 1, 2020, you still have alternatives that will keep your out of pocket costs low. The only difference between the alternative plans listed below and first-dollar coverage plans is the Part B deductible, which is $185 for 2019:

Plan C = Plan D + Part B deductible Plan F = Plan G + Part B deductiblePlan F HD = Plan G HD + Part B deductible

For Plans C, F, & F HD the Part B deductible is covered under the plan. For Plans D, G, & G HD you will be required to pay the Part B deductible.

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What is the Part B Deductible? The Part B deductible is the annual amount you pay before Medicare Part B covers any services. Medicare Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A. The Part B annual deductible for 2019 is $185.

What does it mean to be ‘Newly Eligible’ for Medicare Supplement in 2020? “Newly eligible” Medicare beneficiaries are individuals who turn 65 on or after January 1, 2020; or first become eligible for Medicare due to age, disability or end-stage renal disease, on or after January 1, 2020.

Example: Meet Sarah Johnson and Dave Smith – Sarah is newly eligible for Medicare in 2020 and Dave is not. See the differences below to help you understand what makes a person newly eligible.

Sarah (Newly Eligible) - Turns 65 years old on 4/18/2020 and therefore is

eligible for Medicare on or after 1/1/2020. Since Sarah is newly eligible, she cannot purchase

plans C, F, or F HD but can purchase D, G, and HD G.

Dave (Not Newly Eligible) Turns 65 years old on 10/12/2019 and therefore was

eligible for Medicare before 1/1/2020. Dave can purchase Plans C, F, or F HD and any of the

other plans offered.

After January 1, 2020 and regardless of when Sarah or Dave purchase a Medicare Supplement plan, the following chart shows which plans are available for each to purchase.

If you currently have a Plan C, F, or F HD policy, these changes will not affect you. You will continue to be covered by your plan as

long as you continue to pay the premium.

Plan C Plan D Plan F Plan F HD Plan G Plan G HD

Sarah Dave

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Shopping Tips: Before you start comparing policies, consider these suggestions:

1. Learn about Medicare’s basic coverage and gaps.

2. Study the standard Medicare Supplement insurance plans. Decide which coverage best meets your health needs and financial circumstances now and in the future.

You cannot easily switch plans without being underwritten (i.e., health status taken into account) after your one-time open enrollment or a guaranteed issue period.

3. Compare only the policies that meet your needs. Although the benefits are identical for all Medicare Supplement insurance plans of the same type, premiums vary widely among companies and so does the potential for premium increases.

4. Consider your alternatives. If you have limited income and assets, you may qualify for free coverage through other government programs. To find out if you qualify, call State Health Insurance Assistance Program (SHIP) at 1-800-551-3191.

*** NEW TO THIS RATE GUIDE: *** This rate guide has been revised to include: A Company Rate History chart The Company Contact List has been modified to include the effective

dates of the rates provided by the companies The rates are provided in two different formats for ages Under 65 to 73

1. By Age – showing the plans and rates for a specific age 2. By Plan – showing the companies offering that particular plan

NOTE: All ages (Under 65 through 99) are displayed in both formats on our website at https://csimt.gov/your-insurance/medicare/

https://csimt.gov/your-insurance/medicare/

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Benefit Chart of Medicare Supplement Plans: Note: √ = policy covers 100% of benefit

% = policy covers that percentage of the benefit Blank = policy does not cover that benefit

Benefits

Plans Available to All Applicants Medicare Newly Eligible before 2020

A B D G* K L M N C F*

Part A: Coinsurance & hospital costs (up to an additional 365 days after Medicare benefits are used)

√ √ √ √ √ √ √ √ √ √

Part B: Coinsurance or copay √ √ √ √ 50% 75% √ √*** √ √

Blood (First 3 pints) √ √ √ √ 50% 75% √ √ √ √

Part A: Hospice care coinsurance or copay

√ √ √ √ 50% 75% √ √ √ √

Skilled nursing facility care coinsurance

√ √ 50% 75% √ √ √ √

Part A deductible √ √ √ 50% 75% 50% √ √ √

Part B deductible √ √

Part B excess charges √ √

Foreign travel emergency √ √ √ √ √ √

Out-of-pocket yearly limit $5,560** $2,780**

Core benefits pay the patient’s share of Medicare’s approved amount for physician services 20% after a $185 annual deductible in 2019, the patient’s cost of a long hospital stay ($341/day for days 61-90, $682/day for days 91-150, all approved costs not paid by Medicare after day 150 to a total of 365 days lifetime) and charges for the first three pints of blood not covered by Medicare.

*Plans F and G also offer a High Deductible option which require first paying a plan deductible of$2,300 in 2019 before the plan begins to pay. Once the plan deductible is met, the plan pays 100% ofcovered services for the rest of the calendar year. Plan G High Deductible does not cover the MedicarePart B deductible. However, high deductible G counts your payment of the Medicare Part B deductibletoward meeting the plan deductible.

**Plans K and L pay 100% of covered services for the rest of the calendar year once you meet the out-of-pocket yearly limit.

***Plan N pays 100% of the Part B coinsurance, except for a copay of up to $20 for some office visits and up to a $50 copay for emergency room visits that do not result in an inpatient admission.

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Rates – By Age

Rates - By Age

Insurance Company Name† A B C D F F HD G K L M NAmerican Retirement Life Insurance Co $5,965 NA NA NA $7,087 NA $6,201 NA NA NA $4,605Americo Financial Life and Annuity Insurance Co $4,040 NA NA NA $5,011 NA $3,914 NA NA NA $3,170Assured Life Association $4,436 $5,171 $6,398 $4,936 $6,551 NA $4,862 NA NA NA $3,024Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $4,858 NA NA NA $6,987 $1,652 $4,724 $2,570 NA NA NABlue Cross Blue Shield of Montana $4,570 NA $6,328 NA $6,355 $2,921 $5,735 NA NA $5,381 $4,638Central States Health & Life Co. of Omaha $4,834 NA $6,173 NA NA NA $4,883 NA NA NA $4,109Colonial Penn Life Insurance Co $4,994 $4,585 NA NA $6,306 $1,052 $4,803 $1,919 $3,646 $4,740 $3,928Continental Life Insurance Co of Brentwood, TN $3,647 $3,730 NA NA $5,067 $1,697 $3,733 NA NA NA $3,111Globe Life And Accident Insurance Co $3,264 $6,376 $5,972 NA $4,589 $3,189 $4,390 NA NA NA $3,762GPM Health and Life Insurance Co $4,250 NA NA NA $5,818 NA $4,507 NA NA NA $3,646Guarantee Trust Life Insurance Co $4,315 NA NA NA $6,104 NA $4,958 NA NA NA $3,993Humana $3,761 $4,093 $5,141 NA $5,246 $1,331 NA $2,206 $3,135 NA $3,488HumanaDental Insurance Co $5,292 NA NA NA $7,077 $2,392 $5,427 $2,910 NA NA $4,831Individual Assurance Co, Life, Health & Accident $4,571 NA NA NA $5,390 NA $3,810 NA NA NA $3,221Order of United Commercial Travelers of America (UCT) $5,306 $6,871 $7,680 $6,693 $8,196 NA $6,472 NA NA NA $5,632Renaissance Life & Health Insurance Co of America $4,158 NA NA NA $5,408 NA $4,427 NA NA NA $3,770Reserve National Insurance Co $6,972 NA $7,901 NA $6,968 $2,611 $6,257 NA NA NA $5,160S.USA Life Insurance Co, Inc. $3,878 NA NA NA $4,807 NA $3,954 NA NA NA NASentinel Security Life Insurance Co $3,691 $4,062 $5,007 $4,050 $5,407 NA NA NA NA NA NAState Farm Mutual Automobile Insurance Co $4,814 NA $5,598 $5,397 $5,655 NA $5,407 NA NA NA $4,137Thrivent Financial for Lutherans $2,902 $3,174 $4,462 $3,888 $4,838 $944 $3,909 NA $2,538 $3,211 NATransamerica Life Insurance Co (Issue Age) $3,774 $4,982 $5,895 $5,449 $5,929 NA $5,447 $2,715 $4,030 $4,963 $4,667United American Insurance Co $3,813 $7,220 $7,399 $7,183 $5,225 $2,828 $7,062 $3,637 $5,078 NA $6,016UnitedHealthcare Insurance Co (AARP) (Community Rated) $2,994 $4,413 $5,274 NA $5,307 NA $5,103 $1,602 $3,066 NA $3,516USAA Life Insurance Company $3,718 NA NA NA $3,298 NA $5,886 NA NA NA $2,438Western United Life Assurance Co $3,839 NA $5,142 NA $5,192 NA $3,853 NA NA NA $3,359NA = Plan Not Available†Only companies that chose to respond to our survey are included.

Non Tobacco Rates (Annual Premium) Disabled - Under Age 65Plans

Effective Dates for Rates are provided on the Company Contact page. Rates can change anytime throughout the year. NOTE: Premiums are Attained Age unless otherwise stated. Your premiums may be higher depending on other factors & tobacco use.

Additional Ages are available on our website at www.csimt.gov

Rates - By Age

Insurance Company Name† A B C D F F HD G K L M NAmerican Retirement Life Insurance Co $1,470 NA NA NA $1,737 NA $1,475 NA NA NA $1,099Americo Financial Life and Annuity Insurance Co $1,404 NA NA NA $1,737 NA $1,362 NA NA NA $1,103Assured Life Association $1,508 $1,741 $2,140 $1,648 $2,192 NA $1,624 NA NA NA $977Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $1,620 NA NA NA $2,329 $551 $1,575 $857 NA NA NABlue Cross Blue Shield of Montana $1,396 NA $1,934 NA $1,960 $893 $1,521 NA NA $1,644 $1,417Central States Health & Life Co. of Omaha $1,209 NA $1,543 NA NA NA $1,221 NA NA NA $1,027Colonial Penn Life Insurance Co $1,980 $1,809 NA NA $2,243 $374 $1,574 $614 $1,310 $1,631 $1,062Continental Life Insurance Co of Brentwood, TN $1,298 $1,328 NA NA $1,804 $604 $1,329 NA NA NA $1,045Globe Life And Accident Insurance Co $943 $1,456 $1,712 NA $1,718 $387 $1,519 NA NA NA $1,287GPM Health and Life Insurance Co $1,215 NA NA NA $1,663 NA $1,288 NA NA NA $1,042Guarantee Trust Life Insurance Co $1,368 NA NA NA $1,734 NA $1,408 NA NA NA $1,135Humana $1,505 $1,638 $2,057 NA $2,099 $532 NA $883 $1,254 NA $1,396HumanaDental Insurance Co $1,299 NA NA NA $1,727 $552 $1,289 $646 NA NA $1,197Individual Assurance Co, Life, Health & Accident $1,524 NA NA NA $1,797 NA $1,270 NA NA NA $1,074Order of United Commercial Travelers of America (UCT) $1,769 $2,290 $2,560 $2,231 $2,732 NA $2,157 NA NA NA $1,877Renaissance Life & Health Insurance Co of America $1,205 NA NA NA $1,568 NA $1,283 NA NA NA $1,093Reserve National Insurance Co $1,798 NA $2,024 NA $1,785 $633 $1,562 NA NA NA $1,289S.USA Life Insurance Co, Inc. $1,293 NA NA NA $1,602 NA $1,318 NA NA NA NASentinel Security Life Insurance Co $1,282 $1,410 $1,738 $1,406 $1,877 NA NA NA NA NA NAState Farm Mutual Automobile Insurance Co $1,102 NA $1,725 $1,434 $1,742 NA $1,437 NA NA NA $1,100Thrivent Financial for Lutherans $1,216 $1,262 $1,491 $1,283 $1,618 $312 $1,291 NA $919 $1,213 NATransamerica Life Insurance Co (Issue Age) $1,078 $1,424 $1,684 $1,557 $1,694 NA $1,556 $776 $1,151 $1,418 $1,333United American Insurance Co $1,195 $1,908 $2,256 $2,080 $1,988 $343 $1,816 $1,009 $1,416 NA $1,711UnitedHealthcare Insurance Co (AARP) (Community Rated) $1,008 $1,486 $1,776 NA $1,788 NA $1,407 $540 $1,033 NA $1,185USAA Life Insurance Company $1,278 NA NA NA $1,798 NA $1,326 NA NA NA $1,246Western United Life Assurance Co $1,280 NA $1,715 NA $1,731 NA $1,284 NA NA NA $1,120NA = Plan Not Available†Only companies that chose to respond to our survey are included.

Non Tobacco Rates (Annual Premium) Age 65Plans



Rates - By Age

Insurance Company Name† A B C D F F HD G K L M NAmerican Retirement Life Insurance Co $1,470 NA NA NA $1,737 NA $1,475 NA NA NA $1,099Americo Financial Life and Annuity Insurance Co $1,404 NA NA NA $1,737 NA $1,362 NA NA NA $1,103Assured Life Association $1,508 $1,741 $2,140 $1,648 $2,192 NA $1,624 NA NA NA $977Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $1,620 NA NA NA $2,329 $551 $1,575 $857 NA NA NABlue Cross Blue Shield of Montana $1,441 NA $1,998 NA $2,024 $921 $1,571 NA NA $1,699 $1,462Central States Health & Life Co. of Omaha $1,209 NA $1,543 NA NA NA $1,221 NA NA NA $1,027Colonial Penn Life Insurance Co $2,051 $1,879 NA NA $2,331 $389 $1,639 $628 $1,349 $1,706 $1,117Continental Life Insurance Co of Brentwood, TN $1,298 $1,328 NA NA $1,804 $604 $1,329 NA NA NA $1,045Globe Life And Accident Insurance Co $1,017 $1,547 $1,796 NA $1,809 $420 $1,611 NA NA NA $1,365GPM Health and Life Insurance Co $1,215 NA NA NA $1,663 NA $1,288 NA NA NA $1,042Guarantee Trust Life Insurance Co $1,368 NA NA NA $1,734 NA $1,408 NA NA NA $1,135Humana $1,556 $1,693 $2,127 NA $2,170 $551 NA $913 $1,296 NA $1,443HumanaDental Insurance Co $1,299 NA NA NA $1,727 $552 $1,289 $646 NA NA $1,197Individual Assurance Co, Life, Health & Accident $1,524 NA NA NA $1,797 NA $1,270 NA NA NA $1,074Order of United Commercial Travelers of America (UCT) $1,861 $2,409 $2,685 $2,343 $2,847 NA $2,266 NA NA NA $1,956Renaissance Life & Health Insurance Co of America $1,205 NA NA NA $1,568 NA $1,283 NA NA NA $1,093Reserve National Insurance Co $1,798 NA $2,024 NA $1,785 $633 $1,562 NA NA NA $1,289S.USA Life Insurance Co, Inc. $1,293 NA NA NA $1,602 NA $1,318 NA NA NA NASentinel Security Life Insurance Co $1,282 $1,410 $1,738 $1,406 $1,877 NA NA NA NA NA NAState Farm Mutual Automobile Insurance Co $1,179 NA $1,845 $1,515 $1,865 NA $1,518 NA NA NA $1,159Thrivent Financial for Lutherans $1,249 $1,285 $1,531 $1,323 $1,663 $322 $1,332 NA $948 $1,250 NATransamerica Life Insurance Co (Issue Age) $1,131 $1,494 $1,767 $1,634 $1,777 NA $1,633 $814 $1,208 $1,488 $1,399United American Insurance Co $1,263 $2,026 $2,390 $2,213 $2,103 $372 $1,935 $1,084 $1,522 NA $1,823UnitedHealthcare Insurance Co (AARP) (Community Rated) $1,055 $1,556 $1,859 NA $1,871 NA $1,473 $565 $1,081 NA $1,240USAA Life Insurance Company $1,308 NA NA NA $1,830 NA $1,396 NA NA NA $1,270Western United Life Assurance Co $1,280 NA $1,715 NA $1,731 NA $1,284 NA NA NA $1,120NA = Plan Not Available†Only companies that chose to respond to our survey are included.




Rates - By Age

Insurance Company Name† A B C D F F HD G K L M NAmerican Retirement Life Insurance Co $1,536 NA NA NA $1,813 NA $1,546 NA NA NA $1,150Americo Financial Life and Annuity Insurance Co $1,404 NA NA NA $1,737 NA $1,362 NA NA NA $1,103Assured Life Association $1,575 $1,815 $2,232 $1,719 $2,286 NA $1,693 NA NA NA $977Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $1,648 NA NA NA $2,389 $571 $1,662 $896 NA NA NABlue Cross Blue Shield of Montana $1,488 NA $2,062 NA $2,089 $951 $1,621 NA NA $1,751 $1,509Central States Health & Life Co. of Omaha $1,209 NA $1,543 NA NA NA $1,221 NA NA NA $1,027Colonial Penn Life Insurance Co $2,141 $1,957 NA NA $2,422 $404 $1,711 $653 $1,397 $1,783 $1,179Continental Life Insurance Co of Brentwood, TN $1,298 $1,328 NA NA $1,804 $604 $1,329 NA NA NA $1,045Globe Life And Accident Insurance Co $1,090 $1,652 $1,908 NA $1,914 $453 $1,716 NA NA NA $1,454GPM Health and Life Insurance Co $1,215 NA NA NA $1,663 NA $1,288 NA NA NA $1,042Guarantee Trust Life Insurance Co $1,382 NA NA NA $1,752 NA $1,422 NA NA NA $1,146Humana $1,618 $1,761 $2,212 NA $2,257 $573 NA $949 $1,348 NA $1,501HumanaDental Insurance Co $1,299 NA NA NA $1,727 $552 $1,289 $646 NA NA $1,197Individual Assurance Co, Life, Health & Accident $1,524 NA NA NA $1,797 NA $1,270 NA NA NA $1,074Order of United Commercial Travelers of America (UCT) $1,955 $2,529 $2,818 $2,460 $2,965 NA $2,380 NA NA NA $2,038Renaissance Life & Health Insurance Co of America $1,205 NA NA NA $1,568 NA $1,283 NA NA NA $1,093Reserve National Insurance Co $1,798 NA $2,024 NA $1,785 $633 $1,562 NA NA NA $1,289S.USA Life Insurance Co, Inc. $1,293 NA NA NA $1,602 NA $1,318 NA NA NA NASentinel Security Life Insurance Co $1,339 $1,470 $1,813 $1,466 $1,958 NA NA NA NA NA NAState Farm Mutual Automobile Insurance Co $1,245 NA $1,949 $1,595 $1,968 NA $1,598 NA NA NA $1,219Thrivent Financial for Lutherans $1,283 $1,335 $1,574 $1,365 $1,709 $334 $1,372 NA $978 $1,288 NATransamerica Life Insurance Co (Issue Age) $1,187 $1,567 $1,854 $1,714 $1,865 NA $1,713 $854 $1,268 $1,561 $1,468United American Insurance Co $1,321 $2,130 $2,508 $2,336 $2,207 $401 $2,039 $1,150 $1,615 NA $1,921UnitedHealthcare Insurance Co (AARP) (Community Rated) $1,102 $1,625 $1,942 NA $1,955 NA $1,539 $590 $1,130 NA $1,296USAA Life Insurance Company $1,336 NA NA NA $1,870 NA $1,464 NA NA NA $1,296Western United Life Assurance Co $1,280 NA $1,715 NA $1,731 NA $1,284 NA NA NA $1,120NA = Plan Not Available†Only companies that chose to respond to our survey are included.




Rates - By Age

Insurance Company Name† A B C D F F HD G K L M NAmerican Retirement Life Insurance Co $1,602 NA NA NA $1,885 NA $1,615 NA NA NA $1,200Americo Financial Life and Annuity Insurance Co $1,404 NA NA NA $1,737 NA $1,362 NA NA NA $1,103Assured Life Association $1,627 $1,874 $2,306 $1,775 $2,361 NA $1,749 NA NA NA $1,009Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $1,721 NA NA NA $2,433 $592 $1,704 $923 NA NA NABlue Cross Blue Shield of Montana $1,535 NA $2,127 NA $2,155 $979 $1,673 NA NA $1,808 $1,558Central States Health & Life Co. of Omaha $1,209 NA $1,543 NA NA NA $1,221 NA NA NA $1,027Colonial Penn Life Insurance Co $2,233 $2,037 NA NA $2,517 $420 $1,786 $681 $1,449 $1,863 $1,243Continental Life Insurance Co of Brentwood, TN $1,318 $1,348 NA NA $1,831 $613 $1,349 NA NA NA $1,087Globe Life And Accident Insurance Co $1,160 $1,759 $2,013 NA $2,024 $475 $1,826 NA NA NA $1,550GPM Health and Life Insurance Co $1,241 NA NA NA $1,698 NA $1,314 NA NA NA $1,065Guarantee Trust Life Insurance Co $1,398 NA NA NA $1,772 NA $1,439 NA NA NA $1,159Humana $1,683 $1,831 $2,300 NA $2,347 $595 NA $987 $1,402 NA $1,561HumanaDental Insurance Co $1,354 NA NA NA $1,795 $582 $1,346 $682 NA NA $1,247Individual Assurance Co, Life, Health & Accident $1,588 NA NA NA $1,868 NA $1,326 NA NA NA $1,120Order of United Commercial Travelers of America (UCT) $2,037 $2,636 $2,952 $2,564 $3,090 NA $2,482 NA NA NA $2,124Renaissance Life & Health Insurance Co of America $1,249 NA NA NA $1,639 NA $1,341 NA NA NA $1,142Reserve National Insurance Co $1,875 NA $2,105 NA $1,856 $667 $1,630 NA NA NA $1,345S.USA Life Insurance Co, Inc. $1,293 NA NA NA $1,602 NA $1,318 NA NA NA NASentinel Security Life Insurance Co $1,383 $1,517 $1,873 $1,515 $2,023 NA NA NA NA NA NAState Farm Mutual Automobile Insurance Co $1,300 NA $2,036 $1,674 $2,056 NA $1,676 NA NA NA $1,278Thrivent Financial for Lutherans $1,338 $1,394 $1,638 $1,426 $1,778 $351 $1,434 NA $1,022 $1,346 NATransamerica Life Insurance Co (Issue Age) $1,246 $1,645 $1,946 $1,799 $1,957 NA $1,798 $896 $1,331 $1,638 $1,540United American Insurance Co $1,374 $2,225 $2,629 $2,458 $2,314 $421 $2,144 $1,208 $1,697 NA $2,022UnitedHealthcare Insurance Co (AARP) (Community Rated) $1,150 $1,695 $2,026 NA $2,039 NA $1,605 $615 $1,178 NA $1,351USAA Life Insurance Company $1,362 NA NA NA $1,910 NA $1,530 NA NA NA $1,324Western United Life Assurance Co $1,325 NA $1,769 NA $1,787 NA $1,331 NA NA NA $1,160NA = Plan Not Available†Only companies that chose to respond to our survey are included.




Rates - By Age

Insurance Company Name† A B C D F F HD G K L M NAmerican Retirement Life Insurance Co $1,666 NA NA NA $1,959 NA $1,685 NA NA NA $1,250Americo Financial Life and Annuity Insurance Co $1,460 NA NA NA $1,805 NA $1,422 NA NA NA $1,149Assured Life Association $1,677 $1,935 $2,382 $1,835 $2,439 NA $1,807 NA NA NA $1,043Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $1,748 NA NA NA $2,508 $602 $1,775 $964 NA NA NABlue Cross Blue Shield of Montana $1,584 NA $2,195 NA $2,224 $1,011 $1,725 NA NA $1,866 $1,607Central States Health & Life Co. of Omaha $1,255 NA $1,595 NA NA NA $1,268 NA NA NA $1,065Colonial Penn Life Insurance Co $2,328 $2,119 NA NA $2,615 $436 $1,863 $710 $1,503 $1,947 $1,310Continental Life Insurance Co of Brentwood, TN $1,344 $1,375 NA NA $1,867 $626 $1,376 NA NA NA $1,128Globe Life And Accident Insurance Co $1,218 $1,850 $2,107 NA $2,117 $500 $1,918 NA NA NA $1,632GPM Health and Life Insurance Co $1,290 NA NA NA $1,766 NA $1,366 NA NA NA $1,108Guarantee Trust Life Insurance Co $1,425 NA NA NA $1,806 NA $1,467 NA NA NA $1,181Humana $1,740 $1,894 $2,378 NA $2,427 $616 NA $1,020 $1,450 NA $1,614HumanaDental Insurance Co $1,408 NA NA NA $1,865 $613 $1,405 $720 NA NA $1,297Individual Assurance Co, Life, Health & Accident $1,652 NA NA NA $1,941 NA $1,384 NA NA NA $1,167Order of United Commercial Travelers of America (UCT) $2,129 $2,754 $3,079 $2,681 $3,211 NA $2,595 NA NA NA $2,207Renaissance Life & Health Insurance Co of America $1,294 NA NA NA $1,709 NA $1,400 NA NA NA $1,191Reserve National Insurance Co $1,950 NA $2,187 NA $1,929 $703 $1,701 NA NA NA $1,401S.USA Life Insurance Co, Inc. $1,297 NA NA NA $1,606 NA $1,345 NA NA NA NASentinel Security Life Insurance Co $1,425 $1,566 $1,935 $1,565 $2,089 NA NA NA NA NA NAState Farm Mutual Automobile Insurance Co $1,345 NA $2,105 $1,750 $2,125 NA $1,753 NA NA NA $1,336Thrivent Financial for Lutherans $1,392 $1,455 $1,702 $1,489 $1,847 $366 $1,498 NA $1,067 $1,403 NATransamerica Life Insurance Co (Issue Age) $1,305 $1,724 $2,039 $1,885 $2,051 NA $1,884 $939 $1,394 $1,717 $1,614United American Insurance Co $1,432 $2,334 $2,768 $2,596 $2,435 $442 $2,266 $1,267 $1,784 NA $2,138UnitedHealthcare Insurance Co (AARP) (Community Rated) $1,197 $1,765 $2,109 NA $2,123 NA $1,671 $641 $1,227 NA $1,407USAA Life Insurance Company $1,388 NA NA NA $1,948 NA $1,600 NA NA NA $1,352Western United Life Assurance Co $1,368 NA $1,823 NA $1,841 NA $1,381 NA NA NA $1,201NA = Plan Not Available†Only companies that chose to respond to our survey are included.




Rates - By Age

Insurance Company Name† A B C D F F HD G K L M NAmerican Retirement Life Insurance Co $1,728 NA NA NA $2,028 NA $1,750 NA NA NA $1,297Americo Financial Life and Annuity Insurance Co $1,515 NA NA NA $1,868 NA $1,477 NA NA NA $1,192Assured Life Association $1,725 $1,993 $2,456 $1,892 $2,515 NA $1,864 NA NA NA $1,085Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $1,806 NA NA NA $2,582 $612 $1,862 $1,003 NA NA NABlue Cross Blue Shield of Montana $1,648 NA $2,283 NA $2,315 $1,052 $1,796 NA NA $1,941 $1,673Central States Health & Life Co. of Omaha $1,304 NA $1,650 NA NA NA $1,317 NA NA NA $1,105Colonial Penn Life Insurance Co $2,425 $2,204 NA NA $2,718 $453 $1,944 $742 $1,561 $2,034 $1,380Continental Life Insurance Co of Brentwood, TN $1,378 $1,409 NA NA $1,914 $641 $1,410 NA NA NA $1,170Globe Life And Accident Insurance Co $1,280 $1,939 $2,196 NA $2,206 $523 $2,008 NA NA NA $1,709GPM Health and Life Insurance Co $1,342 NA NA NA $1,837 NA $1,421 NA NA NA $1,152Guarantee Trust Life Insurance Co $1,452 NA NA NA $1,842 NA $1,497 NA NA NA $1,205Humana $1,799 $1,958 $2,459 NA $2,509 $637 NA $1,055 $1,499 NA $1,669HumanaDental Insurance Co $1,461 NA NA NA $1,931 $644 $1,459 $754 NA NA $1,344Individual Assurance Co, Life, Health & Accident $1,714 NA NA NA $2,009 NA $1,438 NA NA NA $1,211Order of United Commercial Travelers of America (UCT) $2,212 $2,863 $3,189 $2,787 $3,328 NA $2,697 NA NA NA $2,287Renaissance Life & Health Ins Co of America $1,335 NA NA NA $1,780 NA $1,458 NA NA NA $1,240Reserve National Insurance Co $2,022 NA $2,263 NA $1,996 $738 $1,767 NA NA NA $1,454S.USA Life Insurance Company, Inc. $1,312 NA NA NA $1,621 NA $1,393 NA NA NA NASentinel Security Life Insurance Co $1,466 $1,614 $1,995 $1,614 $2,154 NA NA NA NA NA NAState Farm Mutual Automobile Insurance Co $1,390 NA $2,174 $1,825 $2,196 NA $1,829 NA NA NA $1,393Thrivent Financial for Lutherans $1,444 $1,515 $1,766 $1,553 $1,917 $383 $1,562 NA $1,114 $1,461 NATransamerica Life Insurance Co (Issue Age) $1,366 $1,804 $2,135 $1,973 $2,147 NA $1,972 $983 $1,459 $1,797 $1,690United American Insurance Co $1,489 $2,437 $2,901 $2,725 $2,550 $464 $2,380 $1,345 $1,885 NA $2,254UnitedHealthcare Insurance Co (AARP) (Community Rated) $1,244 $1,834 $2,192 NA $2,206 NA $1,737 $666 $1,275 NA $1,462USAA Life Insurance Company $1,416 NA NA NA $1,982 NA $1,684 NA NA NA $1,374Western United Life Assurance Co $1,414 NA $1,879 NA $1,898 NA $1,428 NA NA NA $1,241NA = Plan Not Available†Only companies that chose to respond to our survey are included.




Rates - By Age

Insurance Company Name† A B C D F F HD G K L M NAmerican Retirement Life Insurance Co $1,780 NA NA NA $2,094 NA $1,813 NA NA NA $1,344Americo Financial Life and Annuity Insurance Co $1,560 NA NA NA $1,929 NA $1,530 NA NA NA $1,236Assured Life Association $1,770 $2,049 $2,527 $1,948 $2,588 NA $1,919 NA NA NA $1,129Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $1,835 NA NA NA $2,642 $632 $1,918 $1,043 NA NA NABlue Cross Blue Shield of Montana $1,707 NA $2,366 NA $2,398 $1,088 $1,861 NA NA $2,011 $1,733Central States Health & Life Co. of Omaha $1,351 NA $1,704 NA NA NA $1,364 NA NA NA $1,146Colonial Penn Life Insurance Co $2,525 $2,291 NA NA $2,824 $471 $2,027 $775 $1,622 $2,124 $1,452Continental Life Insurance Co of Brentwood, TN $1,419 $1,451 NA NA $1,972 $660 $1,453 NA NA NA $1,211Globe Life And Accident Insurance Co $1,308 $2,010 $2,288 NA $2,296 $544 $2,098 NA NA NA $1,788GPM Health and Life Insurance Co $1,396 NA NA NA $1,911 NA $1,479 NA NA NA $1,199Guarantee Trust Life Insurance Co $1,472 NA NA NA $1,879 NA $1,527 NA NA NA $1,229Humana $1,860 $2,025 $2,543 NA $2,595 $658 NA $1,091 $1,550 NA $1,726HumanaDental Insurance Co $1,504 NA NA NA $1,993 $667 $1,512 $788 NA NA $1,392Individual Assurance Co, Life, Health & Accident $1,765 NA NA NA $2,075 NA $1,490 NA NA NA $1,255Order of United Commercial Travelers of America (UCT) $2,298 $2,973 $3,300 $2,893 $3,442 NA $2,799 NA NA NA $2,365Renaissance Life & Health Ins Co of America $1,354 NA NA NA $1,859 NA $1,523 NA NA NA $1,296Reserve National Insurance Co $2,082 NA $2,338 NA $2,062 $764 $1,831 NA NA NA $1,507S.USA Life Insurance Company, Inc. $1,325 NA NA NA $1,640 NA $1,442 NA NA NA NASentinel Security Life Insurance Co $1,504 $1,659 $2,052 $1,661 $2,217 NA NA NA NA NA NAState Farm Mutual Automobile Insurance Co $1,432 NA $2,243 $1,898 $2,265 NA $1,902 NA NA NA $1,450Thrivent Financial for Lutherans $1,494 $1,574 $1,831 $1,616 $1,987 $402 $1,625 NA $1,159 $1,519 NATransamerica Life Insurance Co (Issue Age) $1,429 $1,887 $2,232 $2,064 $2,245 NA $2,063 $1,028 $1,526 $1,879 $1,767United American Insurance Co $1,534 $2,526 $3,021 $2,850 $2,658 $482 $2,485 $1,380 $1,937 NA $2,359UnitedHealthcare Insurance Co (AARP) (Community Rated) $1,291 $1,904 $2,275 NA $2,290 NA $1,803 $691 $1,323 NA $1,518USAA Life Insurance Company $1,444 NA NA NA $2,018 NA $1,748 NA NA NA $1,400Western United Life Assurance Co $1,451 NA $1,931 NA $1,951 NA $1,474 NA NA NA $1,282NA = Plan Not Available†Only companies that chose to respond to our survey are included.




Rates - By Age






Rates – By Plan

Rates - By Plan

Plan AInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

American Retirement Life Insurance Co $5,965 $1,470 $1,470 $1,536 $1,602 $1,666 $1,728 $1,780 $1,831 $1,883Americo Financial Life and Annuity Insurance Co $4,040 $1,404 $1,404 $1,404 $1,404 $1,460 $1,515 $1,560 $1,606 $1,651Assured Life Association $4,436 $1,508 $1,508 $1,575 $1,627 $1,677 $1,725 $1,770 $1,813 $1,851Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $4,858 $1,620 $1,620 $1,648 $1,721 $1,748 $1,806 $1,835 $1,893 $1,951Blue Cross Blue Shield of Montana $4,570 $1,396 $1,441 $1,488 $1,535 $1,584 $1,648 $1,707 $1,767 $1,827Central States Health & Life Co. of Omaha $4,834 $1,209 $1,209 $1,209 $1,209 $1,255 $1,304 $1,351 $1,398 $1,445Colonial Penn Life Insurance Co $4,994 $1,980 $2,051 $2,141 $2,233 $2,328 $2,425 $2,525 $2,628 $2,734Continental Life Insurance Co of Brentwood, TN $3,647 $1,298 $1,298 $1,298 $1,318 $1,344 $1,378 $1,419 $1,463 $1,511Globe Life And Accident Insurance Co $3,264 $943 $1,017 $1,090 $1,160 $1,218 $1,280 $1,308 $1,317 $1,330GPM Health and Life Insurance Co $4,250 $1,215 $1,215 $1,215 $1,241 $1,290 $1,342 $1,396 $1,451 $1,507Guarantee Trust Life Insurance Co $4,315 $1,368 $1,368 $1,382 $1,398 $1,425 $1,452 $1,472 $1,506 $1,542Humana $3,761 $1,505 $1,556 $1,618 $1,683 $1,740 $1,799 $1,860 $1,924 $1,989HumanaDental Insurance Co $5,292 $1,299 $1,299 $1,299 $1,354 $1,408 $1,461 $1,504 $1,548 $1,592Individual Assurance Co, Life, Health & Accident $4,571 $1,524 $1,524 $1,524 $1,588 $1,652 $1,714 $1,765 $1,816 $1,867Order of United Commercial Travelers of America (UCT) $5,306 $1,769 $1,861 $1,955 $2,037 $2,129 $2,212 $2,298 $2,378 $2,454Renaissance Life & Health Insurance Co of America $4,158 $1,205 $1,205 $1,205 $1,249 $1,294 $1,335 $1,354 $1,374 $1,387Reserve National Insurance Co $6,972 $1,798 $1,798 $1,798 $1,875 $1,950 $2,022 $2,082 $2,143 $2,204S.USA Life Insurance Company, Inc. $3,878 $1,293 $1,293 $1,293 $1,293 $1,297 $1,312 $1,325 $1,343 $1,380Sentinel Security Life Insurance Co $3,691 $1,282 $1,282 $1,339 $1,383 $1,425 $1,466 $1,504 $1,541 $1,573State Farm Mutual Automobile Insurance Co $4,814 $1,102 $1,179 $1,245 $1,300 $1,345 $1,390 $1,432 $1,477 $1,521Thrivent Financial for Lutherans $2,902 $1,216 $1,249 $1,283 $1,338 $1,392 $1,444 $1,494 $1,542 $1,585Transamerica Life Insurance Company (Issue Age) $3,774 $1,078 $1,131 $1,187 $1,246 $1,305 $1,366 $1,429 $1,492 $1,556United American Insurance Co $3,813 $1,195 $1,263 $1,321 $1,374 $1,432 $1,489 $1,534 $1,553 $1,561UnitedHealthcare Insurance Co (AARP) (Community Rated) $2,994 $1,008 $1,055 $1,102 $1,150 $1,197 $1,244 $1,291 $1,339 $1,386USAA Life Insurance Company $3,718 $1,278 $1,308 $1,336 $1,362 $1,388 $1,416 $1,444 $1,470 $1,492Western United Life Assurance Co $3,839 $1,280 $1,280 $1,280 $1,325 $1,368 $1,414 $1,451 $1,490 $1,528

†Only companies that chose to respond to our survey are included.

Standard Non Tobacco Rates (Annual Premium)


NOTE: Premiums are Attained Age unless otherwise stated. Your premiums may be higher depending on other factors & tobacco use.Effective Dates for Rates are provided on the Company Contact page. Rates can change anytime throughout the year.

Rates - By Plan

Plan BInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

American Retirement Life Insurance Co $5,171 $1,741 $1,741 $1,815 $1,874 $1,935 $1,993 $2,049 $2,103 $2,152Colonial Penn Life Insurance Co $4,585 $1,809 $1,879 $1,957 $2,037 $2,119 $2,204 $2,291 $2,381 $2,473Continental Life Insurance Co of Brentwood, TN $3,730 $1,328 $1,328 $1,328 $1,348 $1,375 $1,409 $1,451 $1,497 $1,545Globe Life And Accident Insurance Co $6,376 $1,456 $1,547 $1,652 $1,759 $1,850 $1,939 $2,010 $2,036 $2,069Humana $4,093 $1,638 $1,693 $1,761 $1,831 $1,894 $1,958 $2,025 $2,094 $2,165Order of United Commercial Travelers of America (UCT) $6,871 $2,290 $2,409 $2,529 $2,636 $2,754 $2,863 $2,973 $3,075 $3,174Sentinel Security Life Insurance Co $4,062 $1,410 $1,410 $1,470 $1,517 $1,566 $1,614 $1,659 $1,703 $1,742Thrivent Financial for Lutherans $3,174 $1,262 $1,285 $1,335 $1,394 $1,455 $1,515 $1,574 $1,629 $1,685Transamerica Life Insurance Co (Issue Age) $4,982 $1,424 $1,494 $1,567 $1,645 $1,724 $1,804 $1,887 $1,971 $2,054United American Insurance Co $7,220 $1,908 $2,026 $2,130 $2,225 $2,334 $2,437 $2,526 $2,579 $2,612UnitedHealthcare Insurance Co (AARP) (Community Rated) $4,413 $1,486 $1,556 $1,625 $1,695 $1,765 $1,834 $1,904 $1,974 $2,043

Plan CInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

Assured Life Association $6,398 $2,140 $2,140 $2,232 $2,306 $2,382 $2,456 $2,527 $2,596 $2,660Blue Cross Blue Shield of Montana $6,328 $1,934 $1,998 $2,062 $2,127 $2,195 $2,283 $2,366 $2,449 $2,532Central States Health & Life Co. of Omaha $6,173 $1,543 $1,543 $1,543 $1,543 $1,595 $1,650 $1,704 $1,757 $1,810Globe Life And Accident Insurance Co $5,972 $1,712 $1,796 $1,908 $2,013 $2,107 $2,196 $2,288 $2,378 $2,430Humana $5,141 $2,057 $2,127 $2,212 $2,300 $2,378 $2,459 $2,543 $2,630 $2,719Order of United Commercial Travelers of America (UCT) $7,680 $2,560 $2,685 $2,818 $2,952 $3,079 $3,189 $3,300 $3,404 $3,495Reserve National Insurance Co $7,901 $2,024 $2,024 $2,024 $2,105 $2,187 $2,263 $2,338 $2,412 $2,486Sentinel Security Life Insurance Co $5,007 $1,738 $1,738 $1,813 $1,873 $1,935 $1,995 $2,052 $2,108 $2,160State Farm Mutual Automobile Insurance Co $5,598 $1,725 $1,845 $1,949 $2,036 $2,105 $2,174 $2,243 $2,311 $2,382Thrivent Financial for Lutherans $4,462 $1,491 $1,531 $1,574 $1,638 $1,702 $1,766 $1,831 $1,896 $1,962Transamerica Life Insurance Co (Issue Age) $5,895 $1,684 $1,767 $1,854 $1,946 $2,039 $2,135 $2,232 $2,331 $2,431United American Insurance Co $7,399 $2,256 $2,390 $2,508 $2,629 $2,768 $2,901 $3,021 $3,110 $3,169UnitedHealthcare Insurance Co (AARP) (Community Rated) $5,274 $1,776 $1,859 $1,942 $2,026 $2,109 $2,192 $2,275 $2,359 $2,442Western United Life Assurance Co $5,142 $1,715 $1,715 $1,715 $1,769 $1,823 $1,879 $1,931 $1,987 $2,044






Rates - By Plan

Plan DInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

American Retirement Life Insurance Co $4,936 $1,648 $1,648 $1,719 $1,775 $1,835 $1,892 $1,948 $2,001 $2,051Order of United Commercial Travelers of America (UCT) $6,693 $2,231 $2,343 $2,460 $2,564 $2,681 $2,787 $2,893 $2,996 $3,090Sentinel Security Life Insurance Co $4,050 $1,406 $1,406 $1,466 $1,515 $1,565 $1,614 $1,661 $1,707 $1,749State Farm Mutual Automobile Insurance Co $5,397 $1,434 $1,515 $1,595 $1,674 $1,750 $1,825 $1,898 $1,970 $2,039Thrivent Financial for Lutherans $3,888 $1,283 $1,323 $1,365 $1,426 $1,489 $1,553 $1,616 $1,678 $1,743Transamerica Life Insurance Coy (Issue Age) $5,449 $1,557 $1,634 $1,714 $1,799 $1,885 $1,973 $2,064 $2,155 $2,247United American Insurance Co $7,183 $2,080 $2,213 $2,336 $2,458 $2,596 $2,725 $2,850 $2,939 $2,999

Plan F (High Deductible)Insurance Company Name† < 65 65 66 67 68 69 70 71 72 73

Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $1,652 $551 $551 $571 $592 $602 $612 $632 $653 $663Blue Cross Blue Shield of Montana $2,921 $893 $921 $951 $979 $1,011 $1,052 $1,088 $1,125 $1,163Colonial Penn Life Insurance Co $1,052 $374 $389 $404 $420 $436 $453 $471 $489 $508Continental Life Insurance Co of Brentwood, TN $1,697 $604 $604 $604 $613 $626 $641 $660 $681 $703Globe Life And Accident Insurance Co $3,189 $387 $420 $453 $475 $500 $523 $544 $573 $600Humana $1,331 $532 $551 $573 $595 $616 $637 $658 $681 $704HumanaDental Insurance Co $2,392 $552 $552 $552 $582 $613 $644 $667 $690 $713Reserve National Insurance Co $2,611 $633 $633 $633 $667 $703 $738 $764 $791 $818Thrivent Financial for Lutherans $944 $312 $322 $334 $351 $366 $383 $402 $419 $437United American Insurance Co $2,828 $343 $372 $401 $421 $442 $464 $482 $509 $532






Rates - By Plan

Plan FInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

American Retirement Life Insurance Co $7,087 $1,737 $1,737 $1,813 $1,885 $1,959 $2,028 $2,094 $2,161 $2,227Americo Financial Life and Annuity Insurance Co $5,011 $1,737 $1,737 $1,737 $1,737 $1,805 $1,868 $1,929 $1,990 $2,052Assured Life Association $6,551 $2,192 $2,192 $2,286 $2,361 $2,439 $2,515 $2,588 $2,659 $2,723Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $6,987 $2,329 $2,329 $2,389 $2,433 $2,508 $2,582 $2,642 $2,701 $2,791Blue Cross Blue Shield of Montana $6,355 $1,960 $2,024 $2,089 $2,155 $2,224 $2,315 $2,398 $2,482 $2,567Colonial Penn Life Insurance Co $6,306 $2,243 $2,331 $2,422 $2,517 $2,615 $2,718 $2,824 $2,935 $3,051Continental Life Insurance Co of Brentwood, TN $5,067 $1,804 $1,804 $1,804 $1,831 $1,867 $1,914 $1,972 $2,033 $2,099Globe Life And Accident Insurance Co $4,589 $1,718 $1,809 $1,914 $2,024 $2,117 $2,206 $2,296 $2,388 $2,440GPM Health and Life Insurance Co $5,818 $1,663 $1,663 $1,663 $1,698 $1,766 $1,837 $1,911 $1,986 $2,063Guarantee Trust Life Insurance Co $6,104 $1,734 $1,734 $1,752 $1,772 $1,806 $1,842 $1,879 $1,945 $2,013Humana $5,246 $2,099 $2,170 $2,257 $2,347 $2,427 $2,509 $2,595 $2,683 $2,775HumanaDental Insurance Co $7,077 $1,727 $1,727 $1,727 $1,795 $1,865 $1,931 $1,993 $2,056 $2,119Individual Assurance Co, Life, Health & Accident $5,390 $1,797 $1,797 $1,797 $1,868 $1,941 $2,009 $2,075 $2,141 $2,207Order of United Commercial Travelers of America (UCT) $8,196 $2,732 $2,847 $2,965 $3,090 $3,211 $3,328 $3,442 $3,550 $3,647Renaissance Life & Health Insurance Co of America $5,408 $1,568 $1,568 $1,568 $1,639 $1,709 $1,780 $1,859 $1,939 $2,012Reserve National Insurance Co $6,968 $1,785 $1,785 $1,785 $1,856 $1,929 $1,996 $2,062 $2,127 $2,192S.USA Life Insurance Co, Inc. $4,807 $1,602 $1,602 $1,602 $1,602 $1,606 $1,621 $1,640 $1,666 $1,717Sentinel Security Life Insurance Co $5,407 $1,877 $1,877 $1,958 $2,023 $2,089 $2,154 $2,217 $2,277 $2,332State Farm Mutual Automobile Insurance Co $5,655 $1,742 $1,865 $1,968 $2,056 $2,125 $2,196 $2,265 $2,333 $2,403Thrivent Financial for Lutherans $4,838 $1,618 $1,663 $1,709 $1,778 $1,847 $1,917 $1,987 $2,059 $2,131Transamerica Life Insurance Co (Issue Age) $5,929 $1,694 $1,777 $1,865 $1,957 $2,051 $2,147 $2,245 $2,345 $2,445United American Insurance Co $5,225 $1,988 $2,103 $2,207 $2,314 $2,435 $2,550 $2,658 $2,734 $2,786UnitedHealthcare Insurance Co (AARP) (Community Rated) $5,307 $1,788 $1,871 $1,955 $2,039 $2,123 $2,206 $2,290 $2,374 $2,458USAA Life Insurance Company $3,298 $1,798 $1,830 $1,870 $1,910 $1,948 $1,982 $2,018 $2,054 $2,084Western United Life Assurance Co $5,192 $1,731 $1,731 $1,731 $1,787 $1,841 $1,898 $1,951 $2,008 $2,065



NOTE: Premiums are Attained Age unless otherwise stated. Your premiums may be higher depending on other factors & tobacco use.

Additional Ages are available on our website at www.csimt.gov Effective Dates for Rates are provided on the Company Contact page. Rates can change anytime throughout the year.

Rates - By Plan

Plan GInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

American Retirement Life Insurance Co $6,201 $1,475 $1,475 $1,546 $1,615 $1,685 $1,750 $1,813 $1,876 $1,939Americo Financial Life and Annuity Insurance Co $3,914 $1,362 $1,362 $1,362 $1,362 $1,422 $1,477 $1,530 $1,583 $1,637Assured Life Association $4,862 $1,624 $1,624 $1,693 $1,749 $1,807 $1,864 $1,919 $1,972 $2,020Bankers Fidelity Life Ins Co (Issue Age - Plans A, F & F HD) $4,724 $1,575 $1,575 $1,662 $1,704 $1,775 $1,862 $1,918 $2,005 $2,075Blue Cross Blue Shield of Montana $5,735 $1,521 $1,571 $1,621 $1,673 $1,725 $1,796 $1,861 $1,926 $1,992Central States Health & Life Co. of Omaha $4,883 $1,221 $1,221 $1,221 $1,221 $1,268 $1,317 $1,364 $1,412 $1,459Colonial Penn Life Insurance Co $4,803 $1,574 $1,639 $1,711 $1,786 $1,863 $1,944 $2,027 $2,115 $2,206Continental Life Insurance Co of Brentwood, TN $3,733 $1,329 $1,329 $1,329 $1,349 $1,376 $1,410 $1,453 $1,498 $1,547Globe Life And Accident Insurance Co $4,390 $1,519 $1,611 $1,716 $1,826 $1,918 $2,008 $2,098 $2,189 $2,242GPM Health and Life Insurance Co $4,507 $1,288 $1,288 $1,288 $1,314 $1,366 $1,421 $1,479 $1,536 $1,596Guarantee Trust Life Insurance Co $4,958 $1,408 $1,408 $1,422 $1,439 $1,467 $1,497 $1,527 $1,580 $1,635HumanaDental Insurance Co $5,427 $1,289 $1,289 $1,289 $1,346 $1,405 $1,459 $1,512 $1,564 $1,617Individual Assurance Co, Life, Health & Accident $3,810 $1,270 $1,270 $1,270 $1,326 $1,384 $1,438 $1,490 $1,541 $1,593Order of United Commercial Travelers of America (UCT) $6,472 $2,157 $2,266 $2,380 $2,482 $2,595 $2,697 $2,799 $2,897 $2,987Renaissance Life & Health Insurance Co of America $4,427 $1,283 $1,283 $1,283 $1,341 $1,400 $1,458 $1,523 $1,589 $1,650Reserve National Insurance Co $6,257 $1,562 $1,562 $1,562 $1,630 $1,701 $1,767 $1,831 $1,894 $1,958S.USA Life Insurance Co, Inc. $3,954 $1,318 $1,318 $1,318 $1,318 $1,345 $1,393 $1,442 $1,490 $1,537State Farm Mutual Automobile Insurance Co $5,407 $1,437 $1,518 $1,598 $1,676 $1,753 $1,829 $1,902 $1,974 $2,044Thrivent Financial for Lutherans $3,909 $1,291 $1,332 $1,372 $1,434 $1,498 $1,562 $1,625 $1,689 $1,754Transamerica Life Insurance Co (Issue Age) $5,447 $1,556 $1,633 $1,713 $1,798 $1,884 $1,972 $2,063 $2,154 $2,246United American Insurance Co $7,062 $1,816 $1,935 $2,039 $2,144 $2,266 $2,380 $2,485 $2,563 $2,615UnitedHealthcare Insurance Co (AARP) (Community Rated) $5,103 $1,407 $1,473 $1,539 $1,605 $1,671 $1,737 $1,803 $1,869 $1,935USAA Life Insurance Company $5,886 $1,326 $1,396 $1,464 $1,530 $1,600 $1,684 $1,748 $1,796 $1,844Western United Life Assurance Co $3,853 $1,284 $1,284 $1,284 $1,331 $1,381 $1,428 $1,474 $1,523 $1,571





Rates - By Plan

Plan KInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

American Retirement Life Insurance Co $2,570 $857 $857 $896 $923 $964 $1,003 $1,043 $1,084 $1,123Colonial Penn Life Insurance Co $1,919 $614 $628 $653 $681 $710 $742 $775 $810 $848Humana $2,206 $883 $913 $949 $987 $1,020 $1,055 $1,091 $1,128 $1,167HumanaDental Insurance Co $2,910 $646 $646 $646 $682 $720 $754 $788 $822 $856Transamerica Life Insurance Co (Issue Age) $2,715 $776 $814 $854 $896 $939 $983 $1,028 $1,074 $1,120United American Insurance Co $3,637 $1,009 $1,084 $1,150 $1,208 $1,267 $1,345 $1,380 $1,406 $1,436UnitedHealthcare Insurance Co (AARP) (Community Rated) $1,602 $540 $565 $590 $615 $641 $666 $691 $717 $742

Plan LInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

Colonial Penn Life Insurance Co $3,646 $1,310 $1,349 $1,397 $1,449 $1,503 $1,561 $1,622 $1,687 $1,755Humana $3,135 $1,254 $1,296 $1,348 $1,402 $1,450 $1,499 $1,550 $1,603 $1,658Thrivent Financial for Lutherans $2,538 $919 $948 $978 $1,022 $1,067 $1,114 $1,159 $1,205 $1,250Transamerica Life Insurance Co (Issue Age) $4,030 $1,151 $1,208 $1,268 $1,331 $1,394 $1,459 $1,526 $1,594 $1,662United American Insurance Co $5,078 $1,416 $1,522 $1,615 $1,697 $1,784 $1,885 $1,937 $1,977 $2,020UnitedHealthcare Insurance Co (AARP) (Community Rated) $3,066 $1,033 $1,081 $1,130 $1,178 $1,227 $1,275 $1,323 $1,372 $1,420

Plan MInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

Blue Cross Blue Shield of Montana $5,381 $1,644 $1,699 $1,751 $1,808 $1,866 $1,941 $2,011 $2,081 $2,152Colonial Penn Life Insurance Co $4,740 $1,631 $1,706 $1,783 $1,863 $1,947 $2,034 $2,124 $2,218 $2,316Thrivent Financial for Lutherans $3,211 $1,213 $1,250 $1,288 $1,346 $1,403 $1,461 $1,519 $1,578 $1,637Transamerica Life Insurance Co (Issue Age) $4,963 $1,418 $1,488 $1,561 $1,638 $1,717 $1,797 $1,879 $1,963 $2,046







Effective Dates for Rates are provided on the Company Contact page. Rates can change anytime throughout the year.

Rates - By Plan

Plan NInsurance Company Name† < 65 65 66 67 68 69 70 71 72 73

American Retirement Life Insurance Co $4,605 $1,099 $1,099 $1,150 $1,200 $1,250 $1,297 $1,344 $1,392 $1,439Americo Financial Life and Annuity Insurance Co $3,170 $1,103 $1,103 $1,103 $1,103 $1,149 $1,192 $1,236 $1,279 $1,323Assured Life Association $3,024 $977 $977 $977 $1,009 $1,043 $1,085 $1,129 $1,173 $1,216Blue Cross Blue Shield of Montana $4,638 $1,417 $1,462 $1,509 $1,558 $1,607 $1,673 $1,733 $1,791 $1,853Central States Health & Life Co. of Omaha $4,109 $1,027 $1,027 $1,027 $1,027 $1,065 $1,105 $1,146 $1,186 $1,226Colonial Penn Life Insurance Co $3,928 $1,062 $1,117 $1,179 $1,243 $1,310 $1,380 $1,452 $1,528 $1,607Continental Life Insurance Co of Brentwood, TN $3,111 $1,045 $1,045 $1,045 $1,087 $1,128 $1,170 $1,211 $1,252 $1,294Globe Life And Accident Insurance Co $3,762 $1,287 $1,365 $1,454 $1,550 $1,632 $1,709 $1,788 $1,871 $1,917GPM Health and Life Insurance Co $3,646 $1,042 $1,042 $1,042 $1,065 $1,108 $1,152 $1,199 $1,246 $1,294Guarantee Trust Life Insurance Co $3,993 $1,135 $1,135 $1,146 $1,159 $1,181 $1,205 $1,229 $1,272 $1,317Humana $3,488 $1,396 $1,443 $1,501 $1,561 $1,614 $1,669 $1,726 $1,785 $1,845HumanaDental Insurance Co $4,831 $1,197 $1,197 $1,197 $1,247 $1,297 $1,344 $1,392 $1,439 $1,486Individual Assurance Co, Life, Health & Accident $3,221 $1,074 $1,074 $1,074 $1,120 $1,167 $1,211 $1,255 $1,300 $1,344Order of United Commercial Travelers of America (UCT) $5,632 $1,877 $1,956 $2,038 $2,124 $2,207 $2,287 $2,365 $2,439 $2,506Renaissance Life & Health Insurance Co of America $3,770 $1,093 $1,093 $1,093 $1,142 $1,191 $1,240 $1,296 $1,351 $1,402Reserve National Insurance Co $5,160 $1,289 $1,289 $1,289 $1,345 $1,401 $1,454 $1,507 $1,560 $1,614State Farm Mutual Automobile Insurance Co $4,137 $1,100 $1,159 $1,219 $1,278 $1,336 $1,393 $1,450 $1,505 $1,560Transamerica Life Insurance Co (Issue Age) $4,667 $1,333 $1,399 $1,468 $1,540 $1,614 $1,690 $1,767 $1,846 $1,924United American Insurance Co $6,016 $1,711 $1,823 $1,921 $2,022 $2,138 $2,254 $2,359 $2,434 $2,487UnitedHealthcare Insurance Co (AARP) (Community Rated) $3,516 $1,185 $1,240 $1,296 $1,351 $1,407 $1,462 $1,518 $1,573 $1,629USAA Life Insurance Company $2,438 $1,246 $1,270 $1,296 $1,324 $1,352 $1,374 $1,400 $1,424 $1,446Western United Life Assurance Co $3,359 $1,120 $1,120 $1,120 $1,160 $1,201 $1,241 $1,282 $1,324 $1,366






Company

Rate History

Company Rate History

Insurance Company Name† Year A B C D F F HD G K L M N2019 9.5% 9.5% 9.5% 5.5%2018 9.4% 9.4% 6.9% 0%2017 3.0% 3.0% 3.0% 3.0%2018 4.5% 4.5% 4.5% 4.5%2017 0.6% 0.6% 0.6% 0.6%2018 6.5% 6.5% 6.5% 6.5% 6.5% 6.5% 0%2017 7.0% 7.0% 7.0% 7.0% 7.0% 7.0% 0%2016 7.0% 7.0% 7.0% 7.0% 7.0% 7.0% -3.0%2015 7.0% 7.0% 7.0% 5.0% 7.0% 5.0% 0%2014 7.0% 7.0% 7.0% 7.0% 7.0% 5.0% -7.0%2018 7.2% 7.2% 0.0% 7.2% 7.2%2017 0% 0% 0% 0% 0%2019 4.8% 4.8% 4.8% 4.8% -5.7% 4.8% 4.8%2018 7.0% 7.0% 7.0% 7.0% 7.0% 7.0%2017 7.5% 7.5% 7.5% 7.5% 7.5% 7.5%

Central States Health & Life Co. of Omaha 20192019 12.0% 5.5% 8.0% 0.0% 8.0% 5.5% 5.5% 5.5% 6.5%2018 0% 0% 0% 0% 0% 0% 0% 0% 0%2017 12.0% 6.0% 0% 0% 0% 0% 0% 6.0% 0%2016 12.0% 4.0% 5.0% 0% 0% 0% 8.0% 4.0% 2.0%2015 12.0% 0% 6.0% 0% 0% 0% 4.0% 4.0% 0%

Continental Life Insurance Co. of Brentwood, TN 2019

†Only companies that chose to respond to our survey are included. *Disabled rates (U65) increased by 29% for 2019; 9.9% for 2018; 9.9% for 2017

NEW - No rate history


NOTE: Rate History provided by the companyBlank cells represent plans not offered by the company

Bankers Fidelity Life Insurance Company

Blue Cross Blue Shield of Montana*

Colonial Penn Life Insurance Company

Company Rate HistoryPlans

American Retirement Life Insurance Company

Americo Financial Life and Annuity Ins Co.

Assured Life Association


Insurance Company Name† Year A B C D F F HD G K L M N2019 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%2018 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%2017 6.0% 6.0% 6.0% 6.0% 6.0%2016 0% 0% 0% 0% 0%2015 0% 0% 0% 0% 0%2018 1.0% 4.0% 1.0% 1.0%2017 0% 0% 0% 0%2019 5.0% 5.0% 5.0% 3.0%2018 4.0% 4.0% 2.0% 2.0%2018 3.0% 3.0% 6.0% 6.0% 0.0% 3.0% 3.0% 6.0%2017 3.0% 3.0% 6.0% 6.0% 0.0% 3.0% 3.0% 6.0%2016 3.0% 3.0% 4.0% 4.0% -10.0% 3.0% 3.0% 5.0%2015 0% 0% 0% 0% 0% 0% 0% 0%2014 0% 0% 0% 0% 0% 0% 0% 0%2018 3.0% 7.0% 0.0% 0.0% 3.0% 3.0%2017 0% 4.0% 0.0% 0.0% 0.0% 0.0%2018 6.0% 6.0% 0% 0%2017 8.0% 8.0% 4.0% 4.0%2016 5.0% 5.0% 0% 0%2015 0.0% 0% 0% 0%2019 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%2018 6.9% 6.9% 6.9% 6.9% 6.9% 6.9% 6.9%2017 9.9% 9.9% 9.9% 9.9% 9.9% 9.9% 9.9%2016 4.0% 4.0% 4.0% 4.0% 4.0% 4.0% 4.0%2015 0% 0% 0% 0% 0% 0% 0%

†Only companies that chose to respond to our survey are i y provided by the company

Blank cells represent plans not offered by the company


Guarantee Trust Life Insurance Company

Globe Life & Accident Insurance Co

GPM Health and Life Insurance Company

Humana

HumanaDental Insurance Company

Individual Assurance Company, Life, Health & Accident

Order of United Commercial Travelers of America (UCT)

NOTE: Rate History provided by the company


Insurance Company Name† Year A B C D F F HD G K L M NRenaissance Life & Health Ins Co of America 2019

2019 5.0% 5.0% 5.0% 5.0% 5.0% 5.0%2018 15.0% 9.0% 0% 0% 0% 0%2017 5.0% 5.0% 0% 0% 0% 0%2018 7.48% 7.48% 7.48%2017 0% 0%2018 5.0% 5.0% 5.0% 5.0% 5.0%2017 0.0% 0% 0% 0% 0%2016 2.0% 2.0% 2.0% 2.0% 2.0%2015 5.0% 5.0% 5.0% 5.0% 5.0%2014 3.0% 3.0% 3.0% 3.0% 3.0%2019 -1.5% -1.5% -1.5% -1.5% -1.5% -1.5%2018 10.0% 10.0% 10.0%2017 6.7% 6.7% 6.7%2016 6.7% 6.7% 6.7%2015 3.7% 3.7% 3.7%2019 5.0% 0% 0% 0% 5.0% -15.0% 0% 0% 0%2018 7.0% 4.0% 4.0% 4.0% 7.0% -10.0% 4.0% 4.0% 4.0%2017 5.0% 5.0% 5.0% 5.0% 5.0% -5.0% 5.0% 5.0% 5.0%2016 0% 0% 0% 0% 0% 0% 0% 0% 0%2015 0.79% 4.03% 3.90% 1.24% -4.33% -5.45% -11.2% 3.61% -4.37%2018 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%2017 4.6% 4.6% 4.6% 4.6% 4.6% 4.6% 4.6% 4.6% 4.6% 4.6%


NOTE: Rate History provided by the companyBlank cells represent plans not offered by the company



Transamerica Life Insurance Company

State Farm Mutual Automobile Insurance Co.

Thrivent Financial for Lutherans

Reserve National Insurance Company

S.USA Life Insurance Company, Inc.

Sentinel Security Life Insurance Company


Insurance Company Name† Year A B C D F F HD G K L M N2019 3.0% 0% 0% 0% 0% 0% -6.0% 0% 0% 3.0%2018 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%2017 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%2016 0% 2.0% 2.0% 2.0% 3.0% 0% 2.0% 0% 0% 0%2015 0% 2.0% 2.0% 2.0% 0% 0% 0% 0% 0% 0%2019 4.58% 8.25% 8.19% 8.26% 0% 8.08% 9.80% 9.79%2018 7.26% 7.36% 7.41% 7.50% 7.48% 3.59% 7.46% 5.05%2017 2.41% 5.21% 5.15% 5.12% 0% 4.11% 0%2016 0% 3.43% 3.42% 3.4% 0% 3.3% 1.13%2015 0% 0% 0% 0% 0% 0% 0%2019 5.15% 5.27% 1.58%2018 8.6% 1.3% 1.57%2017 3.0% 1.16% 1.47%2016 -16.5% 2.82% 2.04%2015 0% 0% 0%

Western United Life Assurance Company 2018 5.0% 7.0% 7.0% 5.0% 5.0%


Blank cells represent plans not offered by the company


United American Insurance Co

UnitedHealthcare Insurance Co (AARP)

USAA Life Insurance Company

NOTE: Rate History provided by the company


Company Contact List

and

Rate Effective Dates


Insurance Company Name†NAIC

Co. CodePhone Number Website Rate Effective Date

American Retirement Life Insurance Co 88366 1-855-849-2711 cigna.com/medicare/supplemental/ 06/01/18Americo Financial Life & Annuity Ins Co 61999 1-800-231-0801 americo.com 09/01/18Assured Life Association 56499 1-855-394-1850 assuredlife.org 10/02/18Bankers Fidelity Life Insurance Company 61239 1-800-241-1439 bankersfidelity.com 10/01/18Blue Cross Blue Shield of Montana 53686 1-800-447-7828 bcbsmt.com 04/01/19Central States Health & Life Co of Omaha 61751 1-866-887-9323 cso.com 11/16/18

Colonial Penn Life Insurance Co 62065 1-800-800-2254bankerslife.com/products/medicare-supplement-insurance/

01/01/19

Continental Life Insurance Company of Brentwood, TN

68500 1-800-264-4000 aetnaseniorproducts.com 02/01/19

Globe Life & Accident Insurance Co 91472 1-800-801-6831 globecaremedsupp.com 04/01/19GPM Health and Life Insurance Company 67059 1-877-844-1036 gpmhealthandlife.com 11/20/17Guarantee Trust Life Insurance Company 64211 1-847-699-0600 gtlic.com 03/01/19Humana 73288 1-888-310-8482 humana.com 06/01/19HumanaDental Insurance Company 70580 888-310-8482 humana.com 05/01/19Individual Assurance Company, Life, Health & Accident

81799 1-888-524-3629 iaclife.com 06/01/18

Order of United Commercial Travelers of America (UCT)

56383 1-800-848-0123 uct.org 01/01/19

Renaissance Life & Health Insurance Co of America

61700 1-844-202-4150 ren.admin-portal.org 03/04/19


NOTE: Rate effective dates provided by the company


Insurance Company Name†NAIC

Co. CodePhone Number Website Rate Effective Date

Reserve National Insurance Company 68462 1-800-654-9106 reservenational.com 01/01/19

S.USA Life Insurance Company, Inc. 601831-855-228-3771 (Existing Customer)1-877-990-7225 (New Applicant)

prosperitylife.com 01/01/19

Sentinel Security Life Insurance Co 68802 1-800-247-1423 sslco.com 10/01/18

State Farm Mutual Automobile Ins Co 25178Contact Local State

Farm Agentstatefarm.com 01/01/19

Thrivent Financial for Lutherans 56014 1-800-595-6589 thrivent.com 02/01/19Transamerica Life Insurance Co 86231 1-800-797-2643 transamerica.com 09/01/18United American Insurance Co 92916 1-800-755-2137 unitedamerican.com 04/15/19

UnitedHealthcare Insurance Co 79413 1-800-523-5800 aarpmedicaresupplement.com 01/01/19

USAA Life Insurance Company 69663 1-800-531-8722 usaa.comPlan G - 05/23/2019Other plans - 09/01/2019

Western United Life Assurance Co 85189 1-800-877-7703 wula.com 04/01/19


NOTE: Rate effective dates provided by the company

CONTACT US

Matt M. Rosendale Commissioner of Securities & Insurance

Office of the Montana State Auditor

840 Helena Avenue, Helena, MT 59601

Consumer Hotline

406-444-2040

Or

Toll-free 1-800-332-6148

Fax: 406-444-3497 TDD Phone: 406-444-3246

E-mail: [email protected]

www.csimt.gov

The Office of the Montana State Auditor, Commissioner of Securities and Insurance, attempts to provide reasonable accommodation for any known disability that may interfere with a person's ability to participate in any service, program or activity of the agency. Alternative accessible formats of this document will be provided upon request. For more information call (406) 444-2040 or TDD (406) 444-3246.

http://www.csimt.gov/

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