Exhibit 2 - Pricing EvaluationCURRENT 1 2 3 4 5 6 7 8 9
Benefits Symetra Symetra BCBS Ochs Standard Mutual of Omaha Hartford Voya MetLife Cuellar &
Associates / Zurich
Employee Life Amount Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAEClass II: 1 x BAE Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE N/A
Employee AD&D Amount Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Class I: 2 x BAE
Class II: 1 x BAE
Guarantee Issue Amount All Amounts All Amounts All Amounts All Amounts All Amounts All Amounts All Amounts All Amounts All Amounts N/A
Maximum Amount Class 1: $500,000
Class 2: $300,000
Class 1: $500,000Class 2: $300,000 Class 1: $500,000
Class 2: $300,000
Class 1: $500,000
Class 2: $300,000
Class 1: $500,000
Class 2: $300,000
Class 1: $500,000
Class 2: $300,000
Class 1: $500,000
Class 2: $300,000
Class 1: $500,000
Class 2: $300,000
Class 1: $500,000
Class 2: $300,000
Class 1: $500,000
Class 2: $300,000
Conversion Privilege Included Included Included Included Included Included Included Included Included Included
Accelerated Benefit 80% to $500,000 80% to $500,000 80% to $250,000 100% to $500,000 80% to $500,000 80% to $250,000 80% to $500,000 80% to $500,000 80% to $500,000 N/A
Waiver of Premium Included Included Included Included Included Included Included Included Included N/A
Age Reduction Formula
(Benefits Reduce by)
35% at age 70
55% at age 75
70% at age 80
35% at age 7055% at age 7570% at age 80
35% at age 70
55% at age 75
70% at age 80
35% at age 70
50% at age 75
70% at age 80
35% at age 70
55% at age 75
70% at age 80
35% at age 70
55% at age 75
70% at age 80
35% at age 70
55% at age 75
70% at age 80
35% at age 70
55% at age 75
70% at age 80
35% at age 70
55% at age 75
70% at age 80
35% at age 70
55% at age 75
70% at age 80
Rate Guarantee -3 Years - Until
12/31/2026
3 Years - Until
12/31/2026
3 Years - Until
12/31/2026
3 Years - Until
12/31/2026
3 Years - Until
12/31/2026
3 Years - Until
12/31/2026
3 Years - Until
12/31/2026
3 Years - Until
12/31/2026
3 Years - Until
12/31/2026
Covered Volume $126,327,000 $126,327,000 $126,327,000 $126,327,000 $126,327,000 $126,327,000 $126,327,000 $126,327,000 $126,327,000 $126,327,000
Life Rates (Per $1,000)$0.030 $0.025 $0.027 $0.030 $0.030 $0.030 $0.030 $0.030 $0.103 $0.027
AD&D Rate (Per $1,000)$0.010 $0.010 $0.010 $0.010 $0.010 $0.010 $0.010 $0.010 $0.020 $0.010
Monthly Total $5,053.08 $4,421.45 $4,674.10 $5,053.08 $5,053.08 $5,053.08 $5,053.08 $5,053.08 $15,538.22 $4,674.10
Annual Total Life and A&D $60,636.96 $53,057.34 $56,089.19 $60,636.96 $60,636.96 $60,636.96 $60,636.96 $60,636.96 $186,458.65 $56,089.19
Annual Total Long-Term Disability $114,822.89 $114,822.89 $114,822.89 $120,564.03 $120,564.03 $119,415.80 $212,422.34 $120,564.03 $212,422.34
Annual Total $167,880.23 $170,912.08 $175,459.85 $181,200.99 $181,200.99 $180,052.76 $273,059.30 $307,022.68 $268,511.53
40.00 30.00 28.00 30.00 28.00 26.00 24.00 22.00 16.0010.00 7.50 8.00 7.50 8.00 6.50 6.50 7.00 4.50
50.00 49.11 47.84 46.32 46.32 46.62 30.74 27.34 31.26100.00 86.61 83.84 83.82 82.32 79.12 61.24 56.34 51.76
Compliance with Specifications (40%)
Probable Performance (10%)
Price, Total Cost of Ownership (50%)Total Score:
Exhibit 2RFP 8239 - Pricing Evaluation for Life & Disability Insurance
Evaluation