RFP%2031786-00193%20Appendix%207.16%20Basic%20Term%20Life%20Waiver%20of%20Premium%20Claims%20History%202018%20%E2%80%93%20June%202026.xlsx

XLSX spreadsheet 176 KB Posted

Attached to
Life and Accidental Death and Dismemberment Insurance - UPDATED
Solicitation number
RFP 31786-00193
Issued by
Davidson County, Tennessee

About this file

This file is a Basic Term Life Waiver of Premium Claims History document for Policy Number 34294 under RFP 31786-00193, covering participating basic life insurance claims experience for the State of Tennessee from January 2018 through June 2026. The document provides a comprehensive record of approved waiver of premium claims spanning eight and one-half years, detailing individual claim information including claim numbers, claimant ages and genders, dates of onset, dates of notice, and approved reserve amounts. The claims data is organized by calendar year, with 2018 showing 54 total claims, 2019 showing 68 total claims, 2020 showing 12 total claims, 2021 showing 23 total claims, 2022 showing 28 total claims, 2023 showing 2 total claims (January through September), 2024 showing 9 total claims, 2025 showing 16 total claims, and the first half of 2026 showing 23 total claims. Reserve amounts per individual claim generally range from $8,000 to $38,000, with most claims approved at $20,000.

The document demonstrates significant claims activity and reserve management across the benefit period. The 2018 year-end reserve totaled $946,200, increasing to $1,164,200 by year-end 2019, representing a change in reserve of $613,400 for 2018 and $218,000 for 2019. The claims data indicates ongoing disability benefit administration with claimants spanning a wide age range from 39 to 59 years old at the time of claim approval. The historical claims experience reflected in this appendix would serve as critical underwriting and actuarial data for evaluating the cost and experience of the basic term life waiver of premium benefit under Tennessee's group life insurance program.

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RFP_31786-00193_Appendix_7.28.pdf PDF
RFP_31786-00193_Appendix_7.30.xlsx XLSX spreadsheet
RFP_31786-00193_Life_and_ADD_RFP_Release_2.docx DOCX document
RFP_31786-00193_Appendix_7.27.pdf PDF
RFP_31786-00193_Appendix_7.15.xlsx XLSX spreadsheet
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RFP_31786-00193_Amendment_Two.docx DOCX document
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RFP_31786-00193_Amendment_One_Schedule_Update.docx DOCX document
RFP%2031786-00193%20Appendix%207.6%20Issue%20and%20Attained%20Age%20with%20Coverage%20Values%20in%20Voluntary%20Term%20Life%20(as%20of%20June%202026).xlsx XLSX spreadsheet
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RFP%2031786-00193%20Appendix%207.7%20BA067%20Weekly%20Enrollment%20File%20Layout.xlsx XLSX spreadsheet
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31786-00193_Digital_Submission_Instructions.docx DOCX document
RFP%2031786-00193%20Appendix%207.4%20Enrollment%20and%20Coverage%20in%20Basic%20Term%20Life%20and%20Basic%20ADD%202018%20-%20June%202026.xlsx XLSX spreadsheet
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RFP%2031786-00193%20Appendix%207.19%20Detail%20Claims%20Listing%20_Voluntary_ADandD.xlsx XLSX spreadsheet
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RFP 31786-00193 Appendix 7.16 Basic Term Life Waiver of Premium Claims History 2018 – June 2026
Participating Basic Life Insurance Claims Experience Policy Number: 34294

For the Period January 1, 2018 through December 31, 2018 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D07130057F01/31/201410/27/2014$20,000
D07220558F01/22/201412/31/201419,000
D07220657F03/31/201412/31/201420,000
D07326358M03/18/201403/09/201512,000
D07335848F10/17/201403/16/201520,000
D07382954M04/11/201404/13/201514,800
D07502859M11/20/201407/08/201520,000
D07567450F09/29/201408/14/20158,800
D07764848F12/14/201401/06/201617,600
D07822949F03/05/201502/24/201620,000
D08059858M01/01/201608/17/201820,000
D08137953F12/06/201409/09/201619,000
D08405251F10/04/201603/28/201717,600
D08606858M08/01/201606/26/201720,000
D08608950F08/10/201606/29/201720,000
D08719057M04/02/201709/15/201720,000
D08723552F02/25/201609/15/201720,000
D08752158F08/20/201609/22/201720,000
D08752755F06/18/201609/22/20178,000
D08789944F09/01/201609/29/201720,000
D08790049F07/01/201609/29/201716,200
D08825148F11/22/201610/17/201720,000
D08825256M09/22/201610/17/201717,600
D08825453F10/02/201610/18/201720,000
D08830559F01/28/201710/20/201720,000
D08830849F12/06/201610/20/201720,000
Participating Basic Life Insurance Claims Experience Policy Number: 34294

For the Period January 1, 2018 through December 31, 2018 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D08931054F03/07/201612/08/2017$20,000
D08949951F08/17/201612/22/201720,000
D08962556F11/05/201601/05/201820,000
D09003247F02/02/201701/19/201817,600
D09153053M02/04/201703/23/201813,400
D09155452F03/21/201703/23/201820,000
D09203750M03/28/201704/13/201820,000
D09207446M03/09/201704/13/201813,400
D09208650F04/26/201704/13/201820,000
D09208859F06/01/201704/13/201820,000
D09221549M04/19/201704/20/201820,000
D09230058M05/19/201704/27/201819,000
D09265939M07/14/201705/21/201820,000
D09266752F07/01/201705/11/201820,000
D09269750F06/25/201705/11/201810,000
D09286746M06/26/201405/18/20188,000
D09287653F04/06/201405/18/201820,000
D09308950M08/22/201706/01/20188,000
D09309659M09/01/201706/01/201820,000
D09340045F11/09/201606/15/201817,600
D09400448F11/24/201607/13/201820,000
D09405358F08/06/201707/13/201814,800
D09410459M06/30/201707/13/201816,200
D09423054F08/05/201707/20/201813,400
D09425557F09/16/201707/20/201816,200
D09500144M11/01/201708/24/201820,000

Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2018 through December 31, 2018 Estimate

Approved Waiver of Premium Claims
Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D09502156M10/26/201708/24/2018$ 20,000
D09502354F05/23/201708/24/20188,000
12/31/18 Reserve: $ 946,200
12/31/17 Reserve: $ (332,800)
54 Total Claims Change in Reserve: $ 613,400

Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2019 through December 31, 2019 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D07130057F01/31/201410/27/2014$20,000
D07220558F01/22/201412/31/201419,000
D07326358M03/18/201403/09/201512,000
D07335848F10/17/201403/16/201520,000
D07382954M04/11/201404/13/201514,800
D07502859M11/20/201407/08/201520,000
D07567450F09/29/201408/14/20158,800
D07764848F12/14/201401/06/201617,600
D07822949F03/05/201502/24/201620,000
D08059858M01/04/201608/17/201820,000
D08405251F10/04/201603/28/201717,600
D08606858M08/01/201606/26/201720,000
D08608950F08/10/201606/29/201720,000
D08719057M04/02/201709/15/201720,000
D08723552F02/25/201609/15/201720,000
D08752158F08/20/201609/22/201720,000
D08752755F06/18/201609/22/20178,000
D08789944F09/01/201609/29/201720,000
D08825256M09/22/201610/17/201717,600
D08825453F10/02/201610/18/201720,000
D08830559F01/28/201710/20/201720,000
D08830849F12/06/201610/20/201720,000
D08931054F03/07/201612/08/201720,000
D08949951F08/17/201612/22/201720,000
D08962556F11/05/201601/05/201820,000
D09003247F02/02/201701/19/201817,600
D09155452F03/21/201703/23/201820,000
D09203750M03/28/201704/13/201820,000
D09207446M03/09/201704/13/201813,400
Participating Basic Life Insurance Claims Experience Policy Number: 34294

For the Period January 1, 2019 through December 31, 2019 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D09208650F04/26/201704/13/2018$20,000
D09221549M04/19/201704/20/201820,000
D09230058M05/19/201704/27/201819,000
D09265658F02/14/201705/11/20188,000
D09265939M07/14/201705/21/201820,000
D09266752F07/01/201705/11/201820,000
D09269750F06/25/201705/11/201810,000
D09286746M06/26/201405/18/20188,000
D09287653F04/06/201405/18/201820,000
D09308950M08/22/201706/01/20188,000
D09309659M09/01/201706/01/201820,000
D09340045F11/09/201606/15/201817,600
D09400448F11/24/201607/13/201820,000
D09404152F02/20/201707/13/201817,600
D09404246F09/13/201607/13/201820,000
D09405358F08/06/201707/13/201814,800
D09410459M06/30/201707/13/201816,200
D09414038M08/09/201707/13/201820,000
D09423054F08/05/201707/20/201813,400
D09425557F09/16/201707/20/201816,200
D09500144M11/01/201708/24/201820,000
D09502156M10/26/201708/24/201820,000
D09502354F05/23/201708/24/20188,000
D09538647F10/25/201702/15/20198,000
D09691746F04/19/201811/09/20188,000
D09770455F04/12/201812/14/201819,000
D09770554M12/01/201712/14/20188,000
D09819749M01/27/201801/11/201920,000
D09855453F03/26/201801/25/201920,000
Participating Basic Life Insurance Claims Experience Policy Number: 34294

For the Period January 1, 2019 through December 31, 2019 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D09886052M01/30/201802/08/2019$20,000
D09955852M01/21/201803/08/201917,600
D09958349M04/05/201803/08/201920,000
D09959148F04/05/201803/08/201920,000
D09967949M04/03/201803/15/201920,000
D09968354M04/15/201803/15/201920,000
D09968956F02/27/201803/15/201920,000
D09983856M07/11/201803/22/20198,000
D09985450F06/07/201803/22/201919,000
D09997955M05/23/201803/29/201913,400
12/31/19 Reserve: $1,164,200
12/31/18 Reserve: $(946,200)
68Total ClaimsChange in Reserve:$218,000

Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2020 through December 31, 2020 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D10551159F10/29/201910/21/2020$20,000
D10686753F08/01/201906/15/202016,200
D10730551F09/25/201902/25/202020,000
D10900959F06/28/201905/22/202019,000
D10947556F07/18/201906/12/202020,000
D10953055M06/17/201906/17/202020,000
D11005058M06/25/201907/17/202020,000
D11005150F11/05/201907/17/202020,000
D11084550M10/31/201908/31/202012,000
D11139051F09/19/201909/21/202020,000
D11142056M08/03/201909/25/202020,000
D11176954M06/10/201910/09/202014,800
12Total Claims$222,000

Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2021 through December 31, 2021 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D10947556F07/18/201906/12/2020$20,000
D11531549F02/28/202003/19/202114,800
D10551159F10/29/201910/21/202020,000
D11528548M04/30/202003/17/202119,000
D11142056M08/03/201909/25/202020,000
D11171341M10/29/201910/06/202017,600
D11005058M06/25/201907/17/202020,000
D10953055M06/17/201906/17/202020,000
D11139051F09/19/201909/21/202020,000
D11815054F09/22/202008/06/202120,000
D11614551F08/07/201904/28/202120,000
D11005150F11/05/201907/17/202020,000
D11176954M06/10/201910/09/202014,800
D10686753F07/10/201906/15/202016,200
D11171248F07/31/201910/05/202020,000
D10900959F06/28/201905/22/202019,000
D11586958M06/06/202004/14/202120,000
D10974558M05/15/202006/29/202019,000
D11470352M10/24/201902/19/20218,000
D11084550M10/31/201908/31/202012,000
D10748756F08/23/201903/02/202014,800
D11582057M06/15/201904/13/202117,600
D10730551F09/25/201902/25/202020,000
Total Claims23$412,800

Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2022 through December 31, 2022 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D10551159F10/29/201910/21/2020$20,000
D10686753F07/10/201906/15/202016,200
D10730551F09/25/201902/25/202020,000
D10748756F08/23/201903/02/202014,800
D10900959F06/28/201905/22/202019,000
D10947556F07/18/201906/12/202020,000
D10953055M06/17/201906/17/202020,000
D10974558M05/15/202006/29/202019,000
D11005058M06/25/201907/17/202020,000
D11005150F11/05/201907/17/202020,000
D11084550M10/31/201908/31/202012,000
D11139051F09/19/201909/21/202020,000
D11171248F07/31/201910/05/202020,000
D11171341M10/29/201910/06/202017,600
D11176954M06/10/201910/09/202014,800
D11470352M10/24/201902/19/20218,000
D11528548M04/30/202003/17/202119,000
D11586958M06/06/202004/14/202120,000
D11614551F08/07/201904/28/202120,000
D11815054F09/22/202008/06/202120,000
D12097157F02/28/202012/10/202120,000
D12129758F02/10/202112/27/202120,000
D12159655F05/11/202101/14/202220,000
D12223456F04/05/202102/14/202220,000
D12314951F11/30/202003/28/20228,000
D12336558M07/16/202104/06/202220,000
D12337358F10/08/202104/06/202220,000
D12342152M05/31/202104/11/202220,000
Total Claims28$508,400.00

2023 (old) Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2023 through December 31, 2023 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D10551159F10/29/201910/21/2020$$20,000
D10686753F07/10/201906/15/2020$16,200
D10730551F09/25/201902/25/2020$20,000
D10748756F08/23/201903/02/2020$14,800
D10900959F06/28/201905/22/2020$19,000
D10953055M06/17/201906/17/2020$20,000
D10974558M05/15/202006/29/2020$19,000
D11005058M06/25/201907/17/2020$20,000
D11005150F11/05/201907/17/2020$20,000
D11084550M10/31/201908/31/2020$12,000
D11139051F09/19/201909/21/2020$20,000
D11171248F07/31/201910/05/2020$20,000
D11176954M06/10/201910/09/2020$14,800
D11470352M10/24/201902/19/2021$8,000
D11528548M04/30/202003/17/2021$19,000
D11586958M06/06/202004/14/2021$20,000
D11614551F08/07/201904/28/2021$20,000
D11815054F09/22/202008/06/2021$20,000
D11920654M11/14/202010/01/2021$20,000
D12097157F02/28/202012/10/2021$20,000
D12129758F02/10/202112/27/2021$20,000
D12159655F05/11/202101/14/2022$20,000
D12223456F04/05/202102/14/2022$20,000
D12336558M07/16/202104/06/2022$20,000
D12337358F10/08/202104/06/2022$20,000
D12342152M05/31/202104/11/2022$20,000
D12382553M11/01/202005/02/2022$16,200
D12385452F10/11/202105/04/2022$20,000
Total Claims28$519,000

2023 (new) Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2023 through September 30, 2023 Estimate

Approved Waiver of Premium Claims
Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D13275058M01/04/202309/08/2023$ 20,000
D13377649M03/14/202311/03/202320,000
2 Total Claims $ 40,000

Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2024 through December 31, 2024 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D13275058M01/04/202309/08/2023$20,000
D13288253F07/27/202309/14/202320,000
D13444557F03/31/202312/06/202320,000
D13448155F04/15/202312/08/202320,000
D13620448M03/05/202303/06/202420,000
D13716256F09/12/202305/03/202420,000
D13716446F02/28/202305/03/202420,000
D13816858M11/28/202307/03/202420,000
D13871840F12/31/202308/02/202420,000
9Total Claims$180,000

Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2025 through December 31, 2025 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D13275058M01/04/202309/08/2023$20,000
D13288253F07/27/202309/14/202320,000
D13444557F03/31/202312/06/202320,000
D13620448M03/05/202303/06/202420,000
D13620555F08/16/202303/06/202420,000
D13716256F09/12/202305/03/202420,000
D13716446F02/28/202305/03/202420,000
D13871840F12/31/202308/02/202420,000
D14050554F01/31/202411/18/202426,400
D14050750F03/31/202411/18/202438,000
D14129252F05/02/202401/03/202520,000
D14129458F05/31/202401/03/202520,800
D14172154M06/01/202402/03/202522,400
D14172256M06/03/202402/03/202522,000
D14393146F10/18/202406/03/202520,000
D14453157M11/22/202407/01/202522,000
16Total Claims$351,600

2026 Q2 Participating Basic Life Insurance Claims Experience Policy Number: 34294 For the Period January 1, 2026 through June 30, 2026 Estimate Approved Waiver of Premium Claims

Claim NumberAgeGenderDate of
OnsetDate of
NoticeApproved

Reserve

D13275058M01/04/202309/08/2023$20,000
D13288253F07/27/202309/14/202320,000
D13444557F03/31/202312/06/202320,000
D13620448M03/05/202303/06/202420,000
D13620555F08/16/202303/06/202420,000
D13716256F09/12/202305/03/202420,000
D13716446F02/28/202305/03/202420,000
D13871840F12/31/202308/02/202420,000
D14050554F01/31/202411/18/202426,400
D14050750F03/31/202411/18/202438,000
D14129252F05/02/202401/03/202520,000
D14129458F05/31/202401/03/202520,800
D14172154M06/01/202402/03/202522,400
D14172256M06/03/202402/03/202522,000
D14353351M09/04/202405/13/202536,000
D14393146F10/18/202406/03/202520,000
D14453157M11/22/202407/01/202522,000
D14496350F01/06/202508/04/202528,400
D14555253F01/27/202509/03/202520,000
D14713558M04/25/202512/01/202522,000
D14780445M05/23/202501/06/202620,000
D14830649F06/09/202502/06/202630,800
D14878944F07/17/202503/04/202620,400
23Total Claims$529,200

File details come from the government source that posted it. Updated .