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Cigna Medicare Supplement SolutionsCOMPETITIVERATE ANALYSIS2013

Cigna Medicare Supplement SolutionsInsured by American Retirement Life Insurance CompanyArea 1ALABAMAPlan FCompetitive Comparison in Key AreasARLICPhiladelphia AmericanCombined Ins CoAmerican ContinentalCSIManhattan LifeAFLACSterling InvestorsMedicoUnited HealthcareAge 129.02134.87Age 143.56279.25Age 168.83279.25Effective 1210/1/20125/1/201310/1/20124/1/2013Plan GCompetitive Comparison in Key Areas353-370350-352ARLICAmerican ContinentalPhiladelphia AmericanCSISterling InvestorsGPM LifeHeartland National LifeAFLACManhattan LifeUnited of OmahaAge 13.50117.08Age 125.00130.12Age 149.67152.74Effective 0121/1/201310/1/20121/1/20121/1/2013Premium rates shown are current as of 6/1/2013 for all companies. Check the Outline of Coverage for most current rate.AlabamaComparison rates for competitors were provided by CSG Actuarial, LLC.Not for presentation to any applicant or insurance consumer.American Retirement Life Insurance Company assumes no responsibility for the description of, nor the accuracy of, any product or rates of another insurance company described herein.“Cigna”, the “Tree of Life” logo and “Cigna Medicare Supplement Solutions” are registered service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries.All products and services are provided by or through such operating subsidiaries, including American Retirement Life Insurance Company, and not by Cigna Corporation.ARLIC-1-0012-AL9/10/13 2013 Cigna. Some content provided under license.Pg. 1 of 2 - ALABAMA

Cigna Medicare Supplement SolutionsInsured by American Retirement Life Insurance CompanyALABAMAArea 2Plan FCompetitive Comparison in Key AreasARLICCombined Ins CoAmerican ContinentalPhiladelphia AmericanMedicoAFLACHeartland National LifeState FarmGPM LifeUnited of OmahaAge 155.24157.00Age 170.81174.49Age 194.56204.83Effective 20121/1/201310/1/201210/1/20121/1/2013Plan GCompetitive Comparison in Key AreasARLICAmerican ContinentalPhiladelphia AmericanGPM LifeHeartland National LifeAFLACUnited of OmahaThrivent FinancialUCTPhiladelphia AmericanAge 161.49126.00Age 192.06126.00Age 224.64126.00Effective 20121/1/20131/1/20135/1/20136/1/2011Premium rates shown are current as of 6/1/2013 for all companies. Check the Outline of Coverage for most current rate.AlabamaComparisonrates for competitors were provided by CSG Actuarial, LLC.Not for presentation to any applicant or insurance consumer.American Retirement Life Insurance Company assumes no responsibility for the description of, nor the accuracy of, any product or rates of another insurance company described herein.“Cigna”, the “Tree of Life” logo and “Cigna Medicare Supplement Solutions” are registered service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries.All products and services are provided by or through such operating subsidiaries, including American Retirement Life Insurance Company, and not by Cigna Corporation.ARLIC-1-0012-AL9/10/13 2013 Cigna. Some content provided under license.Pg. 2 of 2 - ALABAMA

Cigna Medicare Supplement SolutionsInsured by Loyal American Life Insurance CompanyALASKAArea 1Plan FCompetitive Comparison in Key AreasLoyalUnited HealthcareAFLACGlobe LifeHumanaBlue Cross Blue ShieldHumanaTransamericaMutual of OmahaState Farm995-999Age 141.87144.50Age 168.18170.17Competitive Comparison in Key AreasAge 66109.23112.24126.00173.00Age 70129.64131.14148.00207.00Not for presentation to any applicant or insurance consumer.Loyal American Life Insurance Company assumes no responsibility for the description of, nor the accuracy of, any product or rates of another insurance company described herein.“Cigna”, the “Tree of Life” logo and “Cigna Medicare Supplement Solutions” are registered service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries.AlaskaAll products and services are provided by or through such operating subsidiaries, including Loyal American Life Insurance Company,and not by Cigna Corporation.9/10/13 2013 Cigna. Some content provided under license.Effective 201312/1/20122/1/20134/15/201210/1/2012Premium rates shown are current as of 6/1/2013 for all companies. Check the Outline of Coverage for most current rate.G LLC.Comparison rates for competitors were provided by CSGPlanActuarial,LoyalAFLACTransamericaUnited AmericanARLIC-1-0012-AKAge 195.64197.11Age 75153.11152.23187.00236.00Effective Date6/12/201312/3/20122/1/20134/15/2013

Cigna Medicare Supplement SolutionsInsured by American Retirement Life Insurance CompanyArea 1ARIZONAPlan FCompetitive Comparison in Key AreasARLICAFLACEverenceARLICCSIManhattan LifeAmerican ContinentalState MutualNew Era of MWCombined Ins CoAge 124.20125.56Age 126.11136.51Age 143.88153.77Effective 1/20127/1/20116/1/20124/1/20132/1/2013Plan GCompetitive Comparison in Key Areas854-856, 858-865, 853 not in Maricopa county857850-852, 853 in Maricopa countyARLICAFLACGPM LifeCSIEverenceNew Era of MWState MutualManhattan LifeForethought LifeColumbian MutualAge 05.10106.31Age 115.89112.389/10/13 2013 Cigna. Some content provided under license.Effective 1/20136/1/20121/1/201210/1/20129/1/2012Premium rates shown are current as of 6/1/2013 for all companies. Check the Outline of Coverage for most current rate.ArizonaComparison rates for competitors were provided by CSG Actuarial, LLC.Not for presentation to any applicant or insurance consumer.American Retirement Life Insurance Company assumes no responsibility for the description of, nor the accuracy of, any product or rates of another insurance company described herein.“Cigna”, the “Tree of Life” logo and “Cigna Medicare Supplement Solutions” are registered service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries.All products and services are provided by or through such operating subsidiaries, including American Retirement Life Insurance Company, and not by Cigna Corporation.ARLIC-1-0012-AZAge 139.73120.12Pg. 1 of 2 - ARIZONA

Cigna Medicare Supplement SolutionsInsured by American Retirement Life Insurance CompanyARIZONAArea 2Plan FPlan FCompetitive Comparison in Key AreasCompetitive Comparison in Key AreasARLICAFLACEverenceCombined Ins CoNew Era of MWForethought LifeCSIManhattan LifeAmerican ContinentalState MutualAge 147.94148.33Age 159.35165.42Age 171.93186.42Area 3Effective mbined Ins CoOxford LifeRoyal NeighborsEquitable LifeAmerican RepublicStandard LifeAge Age Age Effective /20136/1/20131/1/2013Plan GCompetitive Comparison in Key AreasPlan GCompetitive Comparison in Key AreasARLICAFLACGPM LifeNew Era of MWEverenceForethought LifeAssured LifeCSIManhattan LifeState MutualAge 125.83126.17Age 140.50143.42Age 167.83160.00Effective oyal NeighborsStandard LifeAge 66134.01111.60150.52192.76Age 70151.82124.31162.77203.82Not for presentation to any applicant or insurance consumer.American Retirement Life Insurance Company assumes no responsibility for the description of, nor the accuracy of, any product or rates of another insurance company described herein.“Cigna”, the “Tree of Life” logo and “Cigna Medicare Supplement Solutions” are registered service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries.All products and services are provided by or through such operating subsidiaries, including American Retirement Life Insurance Company, and not by Cigna Corporation.9/10/13 2013 Cigna. Some content provided under license.Effective Date5/22/20138/15/20128/1/20121/1/2013Premiumrates shown are current as of 6/1/2013 for all companies. Check the Outline of Coverage for most current rate.ArizonaComparison rates for competitors were provided by CSG Actuarial, LLC.ArizonaARLIC-1-0012-AZAge 75172.17142.99175.76224.59Pg. 2 of 2 - ARIZONA

Cigna Medicare Supplement SolutionsInsured by American Retirement Life Insurance CompanyArea 1ARKANSASPlan FCompetitive Comparison in Key AreasARLICOld SuretyPhiladelphia AmericanQualchoiceBankers FidelityUnited NationalBlue Cross Blue ShieldUnited TeacherCSIManhattan LifeAge 141.50143.42Age 141.50143.42Age 141.50143.42Effective 20111/1/20136/1/20103/28/20121/1/2013Plan GCompetitive Comparison in Key Areas716-719, 723-729720-722ARLICPhiladelphia AmericanGPM LifeAssured LifeBankers FidelityUnited TeacherUnited NationalQualchoiceGerber LifeMedicoAge 126.28126.67Age 126.28126.67Age 126.28126.67Effective asrates shown are current as of 6/1/2013 for all companies. Check the Outline of Coverage for most current rate.Comparison rates for competitors were provided by CSG Actuarial, LLC.Not for presentation to any applicant or insurance consumer.American Retirement Life Insurance Company assumes no responsibility for the description of, nor the accuracy of, any product or rates of another insurance company described herein.“Cigna”, the “Tree of Life” logo and “Cigna Medicare Supplement Solutions” are registered service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries.All products and services are provided by or through such operating subsidiaries, including American Retirement Life Insurance Company, and not by Cigna Corporation.ARLIC-1-0012-AR9/10/13 2013 Cigna. Some content provided under license.Pg. 1 of 2 - ARKANSAS

Cigna Medicare Supplement SolutionsInsured by American Retirement Life Insurance CompanyARKANSASArea 2Plan FCompetitive Comparison in Key AreasARLICOld SuretyQualchoicePhiladelphia AmericanCSIBankers FidelityManhattan LifeBlue Cross Blue ShieldAssured LifeUnited NationalAge 158.53162.41Age 158.53162.41Age 158.53162.41Effective 20101/1/20131/1/20139/1/201210/1/2011Plan GCompetitive Comparison in Key AreasARLICPhiladelphia AmericanAssured LifeGPM LifeBankers FidelityQualchoiceReserve NationalUnited TeacherGerber LifeUnited NationalAge 141.43142.62Age 141.43142.62Age 141.43142.62Effective 20111/4/20126/1/20109/1/201210/1/2011Premium rates shown are current as of 6/1/2013 for all companies. Check the Outline of Coverage for most current rate.ArkansasComparison rates for competitors were provided by CSG Actuarial, LLC.Not for presentation to any applicant or insurance consumer.American Retirement Life Insurance Company assumes no responsibility for the description of, nor the accuracy of, any product or rates of another insurance company described herein.“Cigna”, the “Tree of Life” logo and “Cigna Medicare Supplement Solutions” are registered service marks, of Cigna Intellectual Property, Inc., licensed for use by Cigna Corporation and its operating subsidiaries.All products and services are provided by or through such operating subsidiaries, including American Retirement Life Insurance Company, and not by Cigna Corporation.ARLIC-1-0012-AR9/10/13 2013 Cigna. Some content provided under license.Pg. 2 of 2 - ARKANSAS