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Elk River <br />Municipal Utilities <br />Long Term Care Insurance Proposal <br />REVISED <br />Carrier <br />Product <br />Benefit Method <br />Benefit Amount <br />Pool of Money <br />Inflation Protection <br />Elimination Period <br />Riders Included <br />Discount Included <br />Underwriting -Employees <br />Underwriting -Spouse <br />Premium Payment <br />Transamerica <br />Employee Advantage Transamerica <br />Corporate Advantage <br />TransCare II TransCare II <br />Reimbursement Hybrid Reimbursement Hybrid <br />$SO/Day <br />3 years $SO/Day <br />3 years <br />$54,750 $54,750 <br />3%Compound 3%Compound <br />90 Days 90 Days <br />None None <br />Employer-10% <br />Marital - 15% Employer-15% <br />Marital - 15% <br />Simplified Simplified <br />Simplified Simplified <br />Lifetime Lifetime <br />Empioyees Age State Total Monthly Premium Total Monthly Premium <br />34 Transamerica Transamerica <br />Employee 63 MN $58.55 $55.30 <br />Employee 58 MN $43.47 $41.05 <br />Employee 57 MN $40.17 $37.93 <br />Employee 56 MN $38.86 $36.70 <br />Employee 55 MN $38.10 $35.97 <br />Employee 53 MN $36.10 $34.10 <br />Employee 53 MN $36.10 $34.10 <br />Employee 52 MN $34.62 $32.70 <br />Employee 51 MN $34.04 $32.13 <br />Employee qg MN $32.20 $30.40 <br />Employee q9 MN $37.88 $35.78 <br />Employee qg MN $31.60 $29.83 <br />Employee q6 MN $35.02 $28.12 <br />Employee q6 MN $29.78 $28.12 <br />Employee q6 MN 529.78 $33.07 <br />Employee 46 MN $35.02 $33.07 <br />Employee 46 MN $29.17 $27.57 <br />Employee q5 MN $29.17 $27.57 <br />Employee 43 MN $27.94 $26.38 <br />This proposal is for illustrative purposes only and is not a contract. <br />