Statutes, codes, and regulations
Maine Administrative Code
Department 02 - DEPARTMENT OF PROFESSIONAL AND FINANCIAL REGULATIONDivision 031 - BUREAU OF INSURANCE
Chapter 220 - CREDIT LIFE AND HEALTH INSURANCE
Appendix 031-220-B

C.M.R. 02, 031, ch. 220, app 031-220-B

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Current through 2025-03, January 15, 2025
Appendix 031-220-B

Prima Facie Credit A&H Rates For Critical period Disability Coverage

(30 Day Waiting Period)

6 Mo. Maximum Benefit Period 12 Mo. Maximum Benefit Period
Non-Retroactive­_ Retroactive Non-Retroactive­_ Retroactive
Term*RateL.R.+RateL..R.+RateL.R.+RateL.R.+
6 0.93 50 1.70 59 0.93 50 1.70 59
12 1.27 53 1.98 64 1.46 55 2.11 67
18 1.36 54 2.06 65 1.69 58 2.36 69
24 1.41 54 2.08 66 1.77 60 2.46 70
30 1.41 55 2.09 66 1.82 61 2.53 70
36 1.42 55 2.10 66 1.86 61 2.56 70
42 1.42 55 2.09 66 1.88 61 2.58 70
48 1.42 55 2.08 66 1.86 62 2.58 70
54 1.42 55 2.07 66 1.86 62 2.58 70
60 1.41 55 2.06 66 1.86 62 2.57 70
72 1.42 54 2.06 65 1.88 61 2.55 70
84 1.39 54 2.02 65 1.86 61 2.51 70
96 1.37 54 2.02 64 1.83 61 2.47 70
108 1.35 54 1.98 64 1.81 61 2.43 70
120 1.32 54 1.97 63 1.81 60 2.43 69
132 1.32 53 1.94 63 1.78 60 2.39 69
144 1.30 53 1.93 62 1.75 60 2.34 69
156 1.27 53 1.89 62 1.75 59 2.30 69
168 1.25 53 1.86 62 1.71 59 2.29 68
180 1.23 53 1.85 61 1.71 58 2.25 68

18 Mo. Maximum Benefit Period 24 Mo. Maximum Benefit Period
Non-Retroactive­_ Retroactive Non-Retroactive­_ Retroactive
Term*Rate L.R.+Rate L..R.+Rate L.R.+Rate L.R.+
6 0.93 50 1.70 59 0.93 50 1.70 59
12 1.46 55 2.11 67 1.46 55 2.11 67
18 1.75 60 2.43 70 1.75 60 2.43 70
24 1.92 63 2.66 71 1.96 64 2.69 72
30 2.03 64 2.76 72 2.12 66 2.89 73
36 2.08 65 2.81 73 2.23 67 3.03 73
42 2.10 66 2.85 73 2.28 68 3.08 74
48 2.13 66 2.88 73 2.30 69 3.13 74
54 2.12 67 2.89 73 2.34 69 3.17 74
60 2.13 67 2.90 73 2.37 69 3.19 74
72 2.13 67 2.89 73 2.39 69 3.20 74
84 2.12 67 2.86 73 2.39 69 3.18 74
96 2.13 66 2.83 73 2.37 69 3.16 74
108 2.10 66 2.83 72 2.35 69 3.12 74
120 2.07 66 2.78 72 2.33 69 3.08 74
132 2.07 65 2.74 72 2.33 68 3.04 74
144 2.04 65 2.70 72 2.30 68 3.03 73
156 2.01 65 2.69 71 2.26 68 2.98 73
168 2.00 64 2.64 71 2.23 68 2.94 73
180 1.97 64 2.60 71 2.23 67 2.89 73

* Term of Indebtedness in Months

+ Benchmark Loss Ratio

Prima Facie Credit A&H Rates for Critical Period Disability Coverage

(30 Day Waiting Period)

30 Mo. Maximum Benefit Period 36 Mo. Maximum Benefit Period
Non-Retroactive­_ Retroactive Non-Retroactive­_ Retroactive
Term*RateL.R.+RateL..R.+RateL.R.+RateL.R.+
6 0.93 50 1.70 59 0.93 50 1.70 59
12 1.46 55 2.11 67 1.46 55 2.11 67
18 1.75 60 2.43 70 1.75 60 2.43 70
24 1.96 64 2.69 72 1.96 64 2.69 72
30 2.14 67 2.94 73 2.14 67 2.94 73
36 2.29 68 3.11 74 2.31 69 3.15 74
42 2.40 69 3.20 75 2.45 70 3.29 75
48 2.46 70 3.29 75 2.58 70 3.43 75
54 2.52 70 3.35 75 2.63 71 3.47 76
60 2.56 70 3.39 75 2.66 72 3.53 76
72 2.57 71 3.43 75 2.73 72 3.56 77
84 2.59 71 3.44 75 2.77 72 3.58 77
96 2.58 71 3.42 75 2.78 72 3.58 77
108 2.57 71 3.39 75 2.77 72 3.56 77
120 2.58 70 3.36 75 2.75 72 3.58 76
132 2.55 70 3..31 75 2.73 72 3.54 76
144 2.52 70 3.27 75 2.70 72 3.50 76
156 2.49 70 3.22 75 2.67 72 3.45 76
168 2.45 70 3.21 74 2.67 71 3.40 76
180 2.42 70 3.17 74 2.63 71 3.40 75

48 Mo. Maximum Benefit Period 60 Mo. Maximum Benefit Period
Non-Retroactive­_ Retroactive Non-Retroactive­_ Retroactive
Term*RateL.R.+RateL..R.+RateL.R.+RateL.R.+
6 0.93 50 1.70 59 0.93 50 1.70 59
12 1.46 55 2.11 67 1.46 55 2.11 67
18 1.75 60 2.43 70 1.75 60 2.43 70
24 1.96 64 2.69 72 1.96 64 2.69 72
30 2.14 67 2.94 73 2.14 67 2.94 73
36 2.31 69 3.15 74 2.31 69 3.15 74
42 2.48 70 3.32 75 2.48 70 3.32 75
48 2.63 71 3.48 76 2.63 71 3.48 76
54 2.75 72 3.59 77 2.77 72 3.61 77
60 2.82 73 3.71 77 2.89 73 3.73 78
72 2.97 73 3.81 78 3.08 74 3.87 80
84 3.01 74 3.84 79 3.22 74 4.01 80
96 3.05 74 3.87 79 3.25 75 4.09 80
108 3.07 74 3.88 79 3.30 75 4.13 80
120 3.07 74 3.87 79 3.32 75 4.14 80
132 3.05 74 3.84 79 3.32 75 4.13 80
144 3.03 74 3.81 79 3.31 75 4.11 80
156 3.00 74 3.82 78 3.29 75 4.07 80
168 3.01 73 3.77 78 3.26 75 4.03 80
180 2.98 73 3.73 78 3.23 75 3.99 80

* Term of Indebtedness in Months

+ Benchmark Loss Ratio

C.M.R. 02, 031, ch. 220, app 031-220-B