RFP%2031786-00193%20Appendix%207.17%20Voluntary%20Term%20Life%20Waiver%20of%20Premium%20Claims%20History%202018%20%E2%80%93%20June%202026.xlsx

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XLSX spreadsheet 245 KB Posted Aug 20, 2026

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

Written by GovTribe AI · Aug 21, 2026

This document is a claims history report for voluntary term life insurance and waiver of premium coverage provided to employees and spouses under Policy Number 34175 for the state of Tennessee, covering the period from January 2018 through June 2026. The report details individual claim experiences across four insurance categories: Employee Voluntary Term Life, Spouse Voluntary Term Life, Employee Voluntary Ported Life, and Spouse Voluntary Ported Life. Data is presented on an annual basis through 2025, with the final period covering January through June 2026. Each claim entry includes the claimant's age at onset, date of claim onset, amount of insurance coverage, current and prior reserves, and incurred claims. The report tracks approximately 40 to 60 active claims annually in the employee voluntary term life category, with significantly fewer claims in the spouse and ported life categories.

The total amount of insurance in force across all employee voluntary term life claims ranges from approximately $3.7 million in 2018 to $7.5 million by 2025, with current reserves typically representing 40 to 45 percent of the insured amounts. Incurred claims show minimal variation year to year, generally ranging between negative and positive adjustments of less than $500,000 annually. The report includes Incurred But Not Reported (IBNR) estimates for each category and year, reflecting anticipated future claims liability. The spouse voluntary term life insurance consistently maintains lower claim volumes and reserves, while the ported life categories demonstrate moderate activity with reserves representing approximately 30 to 45 percent of insured amounts. This historical data represents the claims experience baseline for evaluating future insurance program performance and rate adequacy.

File	Type	Posted
RFP_31786-00193_Life_and_AD_and_D_RFP_Release_3_for_posting.docx	DOCX document	Oct 30, 2026
RFP_31786-00193_Amendment_Three_for_posting.docx	DOCX document	Oct 30, 2026
RFP_31786-00193_Appendix_7-15_Voluntary_Term_Life_Census_REVISED_2.xlsx	XLSX spreadsheet	Oct 30, 2026
RFP_31786-00193_Appendix_7.28.pdf	PDF	Oct 14, 2026
RFP_31786-00193_Appendix_7.30.xlsx	XLSX spreadsheet	Oct 14, 2026
RFP_31786-00193_Life_and_ADD_RFP_Release_2.docx	DOCX document	Oct 14, 2026
RFP_31786-00193_Appendix_7.27.pdf	PDF	Oct 14, 2026
RFP_31786-00193_Appendix_7.15.xlsx	XLSX spreadsheet	Oct 14, 2026
RFP_31786-00193_Appendix_7.26.xlsx	XLSX spreadsheet	Oct 14, 2026
RFP_31786-00193_Appendix_7.29.pdf	PDF	Oct 14, 2026
RFP_31786-00193_Amendment_Two.docx	DOCX document	Oct 14, 2026
RFP_31786-00193_Appendix_7.4.xlsx	XLSX spreadsheet	Oct 14, 2026
RFP_31786-00193_Appendix_7.25.xlsx	XLSX spreadsheet	Oct 14, 2026
RFP_31786-00193_Appendix_7.5.xlsx	XLSX spreadsheet	Oct 14, 2026
RFP_31786-00193_Amendment_One_Schedule_Update.docx	DOCX document	Oct 2, 2026
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	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.22%20SOTN%20Voluntary%20ADD%20Certificate%20(Eff%2012-1-2025).pdf	PDF	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.7%20BA067%20Weekly%20Enrollment%20File%20Layout.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.3%20Claims,%20Conversion%20and%20Premium%20Experience%202018%20_June%202026%20Voluntary%20Term%20Life.xlsb	XLSB spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.1%20Claims_Conversion%20and%20Premium%20Experience%202018%20_June%202026%20Basic%20Term%20Life%20and%20Basic%20ADD.xlsb	XLSB spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.24%20Written%20Questions_Comments%20Template.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.16%20Basic%20Term%20Life%20Waiver%20of%20Premium%20Claims%20History%202018%20%E2%80%93%20June%202026.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.14%20Voluntary%20Term%20Life%20Enrollment%20History%202018%20-%20June%202026.pdf	PDF	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.2%20Claims%20Conversion%20and%20Premium%20Experience%202018_June%202026%20Voluntary%20ADandD.xlsb	XLSB spreadsheet	Aug 20, 2026
DRAFT_RFP_31786-00193_Attachment_6.3_Cost_Proposal_Life_Insurance.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.21%20SOTN%20Basic%20Term%20Cert%20(Eff%2012-1-2025).pdf	PDF	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.23%20SOTN%20Voluntary%20Term%20Cert%20(Eff.%2012-1-2025).pdf	PDF	Aug 20, 2026
31786-00193_Digital_Submission_Instructions.docx	DOCX document	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.4%20Enrollment%20and%20Coverage%20in%20Basic%20Term%20Life%20and%20Basic%20ADD%202018%20-%20June%202026.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.12%20Basic%20Term%20Life%20and%20ADD%20Invoice%20Template.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.11%20BA246%20Annual%20Head%20of%20Contract%20Life%20Insurance%20Reduction%20File%20Layout.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.10%20Monthly%20Premiums%20Collected%20File%20Layout.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.8%20BA066%20Weekly%20Termination%20File%20Layout.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.15%20Voluntary%20Term%20Life%20Census%20-%20zac%20rvw.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.20%20Detail%20Claims%20Listing%20%E2%80%93%20Voluntary%20Term%20Life.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.13%20Life%20Insurance%20Rates%20and%20Program%20Changes.docx	DOCX document	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.5%20Basic%20Term%20Life%20Voluntary%20ADD%20Enrollment%20Census.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP_31786-00193_Life_and_ADandD_RFP.docx	DOCX document	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.18%20Detail%20Claims%20Listing%20_Basic%20Term%20Life%20Basic%20ADandD.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.19%20Detail%20Claims%20Listing%20_Voluntary_ADandD.xlsx	XLSX spreadsheet	Aug 20, 2026
RFP%2031786-00193%20Appendix%207.9%20Monthly%20Premiums%20Due%20Deduction%20File%20Layout.xlsx	XLSX spreadsheet	Aug 20, 2026

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RFP 31786-00193 Appendix 7.17 Voluntary Term Life Waiver of Premium Claims History 2018 – June 2026

Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175

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

Claims

D066704		41	12/11/2013	$	240,000	$	85,932	$	84,348	$	1,584
D067683		47	08/30/2013		90,000		35,789		35,937		(148)
D067822		46	05/13/2013		70,000		35,343		36,152		(809)
D070077		56	07/31/2013		175,000		57,461		61,504		(4,043)
D071121		37	12/06/2013		300,000		96,525		94,050		2,475
D071300		57	01/31/2014		50,000		17,078		18,810		(1,732)
D073430		53	09/16/2013		185,000		67,766		70,513		(2,747)
D075028		59	11/20/2014		100,000		35,310		40,095		(4,785)
D077648		48	12/14/2014		100,000		39,765		40,425		(660)
D078229		49	03/05/2015		200,000		81,180		83,820		(2,640)
D084052		51	10/04/2016		150,000		64,350		71,280		(6,930)
D086068		58	08/01/2016		10,000		4,835		2,640		2,195
D086089		50	08/10/2016		120,000		50,886		0		50,886
D087235		52	02/25/2016		105,000		45,565		46,604		(1,039)
D088252		56	09/22/2016		105,000		54,401		58,559		(4,158)
D089499		51	08/17/2016		100,000		42,900		22,720		20,180
D090032		47	02/02/2017		40,000		16,764		0		16,764
D092086		50	04/26/2017		175,000		77,963		0		77,963
D092088		59	06/01/2017		60,000		24,156		0		24,156
D092867		46	06/26/2014		130,000		67,139		0		67,139
D092876		53	04/06/2014		75,000		28,586		0		28,586
D093089		50	08/22/2017		150,000		86,130		0		86,130
D093096		59	09/01/2017		70,000		35,112		0		35,112
D094230		54	08/05/2017		95,000		44,047		0		44,047
D094255		57	09/16/2017		50,000		22,770		0		22,770
D095001		44	11/01/2017		350,000		195,195		0		195,195
D095021	56		10/26/2017	$	120,000	$	69,102	$	0	$	69,102
D095386	48		09/11/2018	150,000		69,548		0		69,548
D097296	45		11/26/2018	150,000		29,663		0		29,663
				$	3,715,000	$	1,581,261	$	767,457	$	813,804
					IBNR	$	220,337	$	309,726	$	(89,389)
	29	Total Claims				$	1,801,598	$	1,077,183	$	724,415
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

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

Claim Number NONE		Age at Onset	Date of Onset	Amount of Insurance	Current Reserve	Prior Reserve	Incurred Claims
				IBNR	$ 18,887	$ 27,180	($ 8,293)
	0	Total Claims			$ 18,887	$ 27,180	($ 8,293)
Employee Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2018 through December 31, 2018 Estimate

	Waiver of Premium Claims
	Claim Number		Age at
Onset			Date of
Onset		Amount of
Insurance						Current
Reserve					Prior
Reserve				Incurred

Claims

D079142	52		10/13/2014	$	140,000	$	54,747	$	57,288	$	(2,541)
D080598	58		01/01/2016	140,000		67,683		0		67,683
D092281	56		03/25/2018	55,000		27,770		0		27,770
				$	335,000	$	150,200	$	57,288	$	92,912
					IBNR	$	25,203	$	55,867	$	(30,664)
	3	Total Claims				$	175,403	$	113,155	$	62,248
Spouse Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2018 through December 31, 2018 Estimate

	Waiver of Premium Claims
	Claim Number		Age at
Onset		Date of
Onset			Amount of
Insurance					Current
Reserve				Prior
Reserve				Incurred

Claims

D069366		59	12/01/2013	$ 15,000	$ 3,000	$ 3,000	$	0
				$ 15,000	$ 3,000	$ 3,000	$	0
				IBNR	$ 3,107	$ 7,203	($ 4,096)
					$ 6,107	$ 10,203	($ 4,096)
Total Claims	1

Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175 For the Period January 1, 2019 through December 31, 2019 Estimate Waiver of Premium Claims

	Claim Number				Age at
Onset		Date of
Onset			Amount of
Insurance					Current
Reserve				Prior
Reserve			Incurred

Claims

D066704		41	12/11/2013	$	240,000	$	0	$	85,932	$	(85,932)
D067683		47	08/30/2013		90,000		35,492		35,789		(297)
D067822		46	05/13/2013		70,000		34,766		35,343		(577)
D070077		56	07/31/2013		175,000		52,553		57,461		(4,908)
D071121		37	12/06/2013		300,000		99,495		96,525		2,970
D071300		57	01/31/2014		50,000		15,758		17,078		(1,320)
D073430		53	09/16/2013		185,000		0		67,766		(67,766)
D075028		59	11/20/2014		100,000		31,185		35,310		(4,125)
D077648		48	12/14/2014		100,000		39,270		39,765		(495)
D078229		49	03/05/2015		200,000		79,200		81,180		(1,980)
D080598		58	01/04/2016		140,000		60,984		67,683		(6,699)
D084052		51	10/04/2016		150,000		61,133		64,350		(3,217)
D086068		58	08/01/2016		10,000		4,356		4,835		(479)
D086089		50	08/10/2016		120,000		48,906		50,886		(1,980)
D087235		52	02/25/2016		105,000		42,966		45,565		(2,599)
D088252		56	09/22/2016		105,000		50,243		54,401		(4,158)
D089499		51	08/17/2016		100,000		40,755		42,900		(2,145)
D090032		47	02/02/2017		40,000		16,434		16,764		(330)
D092086		50	04/26/2017		175,000		74,209		77,963		(3,754)
D092088		59	06/01/2017		60,000		0		24,156		(24,156)
D092867		46	06/26/2014		130,000		65,637		67,139		(1,502)
D092876		53	04/06/2014		75,000		27,473		28,586		(1,113)
D093089		50	08/22/2017		150,000		81,428		86,130		(4,702)
D093096		59	09/01/2017		70,000		31,763		35,112		(3,349)
D094230		54	08/05/2017		95,000		40,442		44,047		(3,605)
D094255		57	09/16/2017		50,000		20,625		22,770		(2,145)
D095001		44	11/01/2017		350,000		183,068		195,195		(12,127)
D095021		56	10/26/2017		120,000		62,172		69,102		(6,930)
D095386	47		10/25/2017	$	150,000	$	61,628	$	69,548	$	(7,920)
D099683	54		04/15/2018	100,000		53,130		0		53,130
D099689	56		02/27/2018	210,000		92,862		0		92,862
D105076	55		01/16/2019	40,000		9,119		0		9,119
D105511	59		10/28/2019	45,000		8,788		0		(67,766)
				$	4,100,000	$	1,525,840	$	1,619,281	$	(169,995)
				IBNR		$	221,451	$	220,340	$	1,111
	33	Total Claims				$	1,747,291	$	1,839,621	$	(92,330)
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

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

Claim Number NONE		Age at Onset	Date of Onset	Amount of Insurance	Current Reserve	Prior Reserve	Incurred Claims
				IBNR	$ 18,626	$ 18,886	($ 260)
	0	Total Claims			$ 18,626	$ 18,886	($ 260)
Employee Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2019 through December 31, 2019 Estimate

	Waiver of Premium Claims
		Claim Number				Age at
Onset			Date of
Onset			Amount of
Insurance				Current
Reserve					Prior
Reserve			Incurred

Claims

	D079142	52		10/13/2014	$	140,000	$	52,899	$	54,747	$	(1,848)
	D092281	56		03/25/2018	55,000		24,321		27,770		(3,449)
	D098554	53		03/26/2018	395,000		170,759		0		170,759
					$	590,000	$	247,979	$	82,517	$	165,462
						IBNR	$	24,846	$	25,282	$	(436)
		3	Total Claims				$	272,825	$	107,799	$	165,026
Spouse Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2019 through December 31, 2019 Estimate

	Waiver of Premium Claims
		Claim Number				Age at
Onset			Date of
Onset					Amount of
Insurance				Current
Reserve					Prior
Reserve					Incurred

Claims

D069366		59	12/01/2013	$ 15,000	$ 3,000	$ 3,000	$	0
				$ 15,000	$ 3,000	$ 3,000	$	0
				IBNR	$ 3,016	$ 3,109	($ 93)
Total Claims	1				$ 6,016	$ 6,109	($ 93)

Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175 For the Period January 1, 2020 through December 31, 2020 Estimate Waiver of Premium Claims

	Claim Number			Age at
Onset		Date of
Onset			Amount of
Insurance				Current
Reserve				Prior
Reserve			Incurred

Claims

D067683		47	08/30/2013	$	90,000	$	35,046	$	35,492	$	(446)
D067822		46	05/13/2013		70,000		34,535		34,766		(231)
D070077		56	07/31/2013		175,000		47,355		52,553		(5,198)
D071121		37	12/06/2013		300,000		102,960		99,495		3,465
D071300		57	01/31/2014		50,000		0		15,758		(15,758)
D075028		59	11/20/2014		100,000		27,060		31,185		(4,125)
D077648		48	12/14/2014		100,000		38,775		39,270		(495)
D078229		49	03/05/2015		200,000		77,880		79,200		(1,320)
D080598		58	01/04/2016		140,000		54,978		60,984		(6,006)
D084052		51	10/04/2016		150,000		58,905		61,133		(2,228)
D086068		58	08/01/2016		10,000		3,927		4,356		(429)
D086089		50	08/10/2016		120,000		47,322		48,906		(1,584)
D087235		52	02/25/2016		105,000		41,060		42,966		(1,906)
D088252		56	09/22/2016		105,000		46,604		50,243		(3,639)
D089499		51	08/17/2016		100,000		39,270		40,755		(1,485)
D090032		47	02/02/2017		40,000		16,170		16,434		(264)
D092086		50	04/26/2017		175,000		71,321		74,209		(2,888)
D092867		46	06/26/2014		130,000		64,565		65,637		(1,072)
D092876		53	04/06/2014		75,000		26,111		27,473		(1,362)
D093089		50	08/22/2017		150,000		78,458		81,428		(2,970)
D093096		59	09/01/2017		70,000		28,067		31,763		(3,696)
D094230		54	08/05/2017		95,000		37,620		40,442		(2,822)
D094255		57	09/16/2017		50,000		18,810		20,625		(1,815)
D095001		44	11/01/2017		350,000		180,180		183,068		(2,888)
D095021		56	10/26/2017		120,000		57,420		62,172		(4,752)
D095386		47	10/25/2017		150,000		60,638		61,628		(990)
D099683		54	04/15/2018		100,000		50,985		53,130		(2,145)
D099689		56	02/27/2018		210,000		90,437		92,862		(2,425)
D105511		59	10/29/2019		45,000		19,602		8,788		10,814
D106867	53		08/01/2019	$	15,000	$	6,881	$	0	$	6,881
D107235	54		07/31/2018		65,000		26,598		0		26,598
D107275	57		06/29/2018		20,000		8,250		0		8,250
D107280	54		08/07/2018		65,000		33,140		0		33,140
D107727	48		05/16/2017		100,000		40,425		0		40,425
D107767	33		03/21/2018		5,000		551		0		551
D108727	59		12/13/2019		190,000		41,740		0		41,740
D108907	54		07/10/2019		100,000		18,780		0		18,780
D109009	59		06/28/2019		27,500		10,981		0		10,981
D109487	53		05/13/2019		50,000		9,321		0		9,321
D111420	56		08/03/2019		90,000		51,827		0		51,827
D111769	54		06/10/2019		50,000		26,565		0		(67,766)
				$	4,352,500	$	1,731,120	$	1,516,721	$	120,068
					IBNR	$	224,592	$	221,483	$	3,109
	41	Total Claims				$	1,955,712	$	1,738,204	$	217,508
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

For the Period January 1, 2020 through December 31, 2020 Estimate Waiver of Premium Claims

Claim Number NONE		Age at Onset	Date of Onset	Amount of Insurance	Current Reserve	Prior Reserve		Incurred Claims
				IBNR	$ 18,687	$ 18,635	$	52
	0	Total Claims			$ 18,687	$ 18,635	$	52
Employee Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2020 through December 31, 2020 Estimate

	Waiver of Premium Claims
		Claim Number				Age at
Onset					Date of
Onset				Amount of
Insurance				Current
Reserve				Prior
Reserve			Incurred

Claims

	D079142	52		10/13/2014	$	140,000	$	51,051	$	52,899	$	(1,848)
	D092281	56		03/25/2018		55,000		23,686		24,321		(635)
	D098554	53		03/26/2018		395,000		166,848		170,759		(3,911)
	D099170	57		04/29/2016		40,000		13,662		0		13,662
	D105076	55		01/16/2019		40,000		18,282		9,119		9,163
					$	670,000	$	273,529	$	257,098	$	16,431
						IBNR	$	24,249	$	24,738	$	(489)
		5	Total Claims				$	297,778	$	281,836	$	15,942
Spouse Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2020 through December 31, 2020 Estimate

	Waiver of Premium Claims
		Claim Number					Age at
Onset			Date of
Onset						Amount of
Insurance					Current
Reserve					Prior
Reserve				Incurred

Claims

D069366	59	12/01/2013	$	15,000	$	3,000	$	3,000	$	0
D103942	58	01/01/2012		30,000		6,000		0		6,000
			$	45,000	$	9,000	$	3,000	$	6,000
				IBNR	$	2,795	$	3,012	$	(217)
	2	Total Claims			$	11,795	$	6,012	$	5,783

Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175 For the Period January 1, 2021 through December 31, 2021 Estimate Waiver of Premium Claims

	Claim Number			Age at
Onset		Date of
Onset					Amount of
Insurance							Current
Reserve						Prior
Reserve			Incurred

Claims

D067683		47	08/30/2013	$	90,000	$	34,601	$	35,046	$	(445)
D067822		46	05/13/2013		70,000		34,419		34,535		(116)
D070077		56	07/31/2013		175,000		41,869		47,355		(5,486)
D071121		37	12/06/2013		300,000		105,435		102,960		2,475
D075028		59	11/20/2014		100,000		22,770		27,060		(4,290)
D077648		48	12/14/2014		100,000		38,115		38,775		(660)
D078229		49	03/05/2015		200,000		76,230		77,880		(1,650)
D080598		58	01/04/2016		140,000		49,665		54,978		(5,313)
D084052		51	10/04/2016		150,000		57,420		58,905		(1,485)
D086068		58	08/01/2016		10,000		3,548		3,927		(379)
D086089		50	08/10/2016		120,000		46,332		47,322		(990)
D087235		52	02/25/2016		105,000		39,674		41,060		(1,386)
D088252		56	09/22/2016		105,000		43,486		46,604		(3,118)
D089499		51	08/17/2016		100,000		38,280		39,270		(990)
D090032		47	02/02/2017		40,000		15,972		16,170		(198)
D092086		50	04/26/2017		175,000		69,011		71,321		(2,310)
D092867		46	06/26/2014		130,000		64,136		64,565		(429)
D092876		53	04/06/2014		75,000		24,626		26,111		(1,485)
D093089		50	08/22/2017		150,000		75,735		78,458		(2,723)
D093096		59	09/01/2017		70,000		24,717		28,067		(3,350)
D094230		54	08/05/2017		95,000		35,269		37,620		(2,351)
D094255		57	09/16/2017		50,000		17,078		18,810		(1,732)
D095001		44	11/01/2017		350,000		176,138		180,180		(4,042)
D095021		56	10/26/2017		120,000		53,262		57,420		(4,158)
D095386		47	10/25/2017		150,000		59,895		60,638		(743)
D099683		54	04/15/2018		100,000		0		50,985		(50,985)
D099689		56	02/27/2018		210,000		83,160		90,437		(7,277)
D105511		59	10/29/2019		45,000		16,558		19,602		(3,044)
D107235		54	07/31/2018		65,000		0		26,598		(26,598)
D107272	58		06/30/2018	$	90,000	$	31,779	$	0	$	31,779
D107275	57		06/29/2018		20,000		7,524		8,250		(726)
D107280	54		08/07/2018		65,000		31,210		33,140		(1,930)
D107444	47		05/19/2017		190,000		75,867		76,808		(941)
D107727	48		05/16/2017		100,000		39,765		40,425		(660)
D107767	33		03/21/2018		5,000		0		551		(551)
D108727	59		12/13/2019		190,000		0		41,740		(41,740)
D109009	59		06/28/2019		27,500		10,119		10,981		(862)
D109487	53		05/13/2019		50,000		0		9,321		(9,321)
D111420	56		08/03/2019		90,000		48,263		51,827		(3,564)
D111769	54		06/10/2019		50,000		25,493		26,565		(1,072)
D115739	44		01/29/2016		90,000		44,699		0		44,699
D115869	58		06/06/2020		40,000		20,460		0		20,460
D119206	54		11/14/2020		105,000		24,959		0		24,959
				$	4,702,500	$	1,707,539	$	1,782,267	$	(74,728)
					IBNR	$	223,998	$	224,591	$	(593)
	43	Total Claims				$	1,931,537	$	2,006,858	$	(75,321)
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

For the Period January 1, 2021 through December 31, 2021 Estimate Waiver of Premium Claims

Claim Number NONE		Age at Onset	Date of Onset	Amount of Insurance	Current Reserve	Prior Reserve	Incurred Claims
				IBNR	$ 18,276	$ 18,687	($ 411)
	0	Total Claims			$ 18,276	$ 18,687	($ 411)
Employee Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2021 through December 31, 2021 Estimate

	Waiver of Premium Claims
		Claim Number					Age at
Onset				Date of
Onset						Amount of
Insurance			Current
Reserve				Prior
Reserve					Incurred

Claims

	D079142	52		10/13/2014	$	140,000	$	48,741	$	51,051	$	(2,310)
	D090436	30		01/15/2013		125,000		37,950		0		37,950
	D092281	56		03/25/2018		55,000		21,780		23,686		(1,906)
	D098554	53		03/26/2018		395,000		156,420		166,848		(10,428)
	D099170	57		04/29/2016		40,000		12,606		13,662		(1,056)
	D105076	55		01/16/2019		40,000		17,886		18,282		(396)
	D106867	53		07/10/2019		15,000		6,336		6,881		(545)
	D108907	54		07/10/2019		100,000		0		18,780		(18,780)
	D114283	59		06/30/2015		300,000		81,180		0		81,180
	D114703	52		10/24/2019		225,000		121,770		0		121,770
					$	1,435,000	$	504,669	$	299,190	$	205,479
						IBNR	$	24,335	$	24,274	$	61
		10	Total Claims				$	529,004	$	323,464	$	205,540
Spouse Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2021 through December 31, 2021 Estimate

	Waiver of Premium Claims
		Claim Number						Age at
Onset			Date of
Onset							Amount of
Insurance					Current
Reserve				Prior
Reserve						Incurred

Claims

D069366	59	12/01/2013	$	15,000	$	0	$	3,000	$	(3,000)
D103942	58	01/01/2012		30,000		6,000		6,000		0
			$	45,000	$	6,000	$	9,000	$	(3,000)
				IBNR	$	2,698	$	2,796	$	(98)
	2	Total Claims			$	8,698	$	11,796	$	(3,098)

Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175 For the Period January 1, 2022 through December 31, 2022 Estimate Waiver of Premium Claims

Claims

D067683		47	08/30/2013	$	90,000	$	34,007	$	34,601	$	(594)
D067822		46	05/13/2013		70,000		34,073		34,419		(346)
D070077		56	07/31/2013		175,000		36,094		41,869		(5,775)
D071121		37	12/06/2013		300,000		108,405		105,435		2,970
D075028		59	11/20/2014		100,000		17,490		22,770		(5,280)
D077648		48	12/14/2014		100,000		37,455		38,115		(660)
D078229		49	03/05/2015		200,000		74,580		76,230		(1,650)
D080598		58	01/04/2016		140,000		44,583		49,665		(5,082)
D084052		51	10/04/2016		150,000		55,440		57,420		(1,980)
D086068		58	08/01/2016		10,000		3,185		3,548		(363)
D086089		50	08/10/2016		120,000		45,144		46,332		(1,188)
D087235		52	02/25/2016		105,000		38,288		39,674		(1,386)
D088252		56	09/22/2016		105,000		40,367		43,486		(3,119)
D089499		51	08/17/2016		100,000		36,960		38,280		(1,320)
D090032		47	02/02/2017		40,000		15,906		15,972		(66)
D092086		50	04/26/2017		175,000		67,568		69,011		(1,443)
D092867		46	06/26/2014		130,000		63,921		64,136		(215)
D092876		53	04/06/2014		75,000		23,141		24,626		(1,485)
D093089		50	08/22/2017		150,000		73,260		75,735		(2,475)
D093096		59	09/01/2017		70,000		21,830		24,717		(2,887)
D094230		54	08/05/2017		95,000		33,545		35,269		(1,724)
D094255		57	09/16/2017		50,000		15,758		17,078		(1,320)
D095001		44	11/01/2017		350,000		173,828		176,138		(2,310)
D095021		56	10/26/2017		120,000		49,698		53,262		(3,564)
D095386		47	10/25/2017		150,000		59,648		59,895		(247)
D099683		54	04/15/2018		100,000		45,375		0		45,375
D099689		56	02/27/2018		210,000		0		83,160		(83,160)
D105511		59	10/29/2019		45,000		14,702		16,558		(1,856)
D107272		58	06/30/2018		90,000		28,512		31,779		(3,267)
D107275	57		06/29/2018	$	20,000	$	6,831	$	7,524	$	(693)
D107280	54		08/07/2018		65,000		29,494		31,210		(1,716)
D107444	47		05/19/2017		190,000		75,554		75,867		(313)
D107727	48		05/16/2017		100,000		39,270		39,765		(495)
D109009	59		06/28/2019		55,000		8,984		10,119		(1,135)
D111420	56		08/03/2019		90,000		0		48,263		(48,263)
D111769	54		06/10/2019		50,000		24,008		25,493		(1,485)
D115739	44		01/29/2016		90,000		44,105		44,699		(594)
D115869	58		06/06/2020		40,000		19,404		20,460		(1,056)
D119206	54		11/14/2020		105,000		0		24,959		(24,959)
D123361	57		11/19/2020		100,000		17,325		0		17,325
D125297	52		07/08/2014		50,000		9,044		0		9,044
D125315	51		10/30/2014		85,000		29,032		0		29,032
D126666	56		04/19/2022		190,000		40,950		0		40,950
D127381	55		12/20/2021		5,000		1,081		0		1,081
D127987	59		02/25/2022		75,000		14,657		0		14,657
				$	4,925,000	$	1,652,502	$	1,707,539	$	(55,037)
					IBNR	$	218,040	$	223,927	$	(5,887)
	45	Total Claims				$	1,870,542	$	1,931,466	$	(60,924)
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

For the Period January 1, 2022 through December 31, 2022 Estimate Waiver of Premium Claims

Claim Number NONE		Age at Onset	Date of Onset	Amount of Insurance	Current Reserve	Prior Reserve	Incurred Claims
				IBNR	$ 17,272	$ 18,269	($ 997)
	0	Total Claims			$ 17,272	$ 18,269	($ 997)
Employee Voluntary Ported Claims Experience Policy Number: 34175

For the Period January 1, 2022 through December 31, 2022 Estimate Waiver of Premium Claims

	Claim Number				Age at
Onset			Date of
Onset				Amount of
Insurance			Current
Reserve		Prior
Reserve			Incurred

Claims

	D079142	52		10/13/2014	$	140,000	$	46,431	$	48,741	$	(2,310)
	D090436	30		01/15/2013		125,000		38,981		37,950		1,031
	D092281	56		03/25/2018		55,000		20,147		21,780		(1,633)
	D098554	53		03/26/2018		395,000		149,251		156,420		(7,169)
	D099170	57		04/29/2016		40,000		11,352		12,606		(1,254)
	D105076	55		01/16/2019		40,000		16,632		17,886		(1,254)
	D106867	53		07/10/2019		15,000		5,940		6,336		(396)
	D114283	59		06/30/2015		300,000		68,310		81,180		(12,870)
	D114703	52		10/24/2019		225,000		115,830		121,770		(5,940)
	D126341	51		08/11/2022		37,500		9,642		0		9,642
					$	1,372,500	$	482,516	$	504,669	$	(22,153)
						IBNR	$	24,085	$	24,333	$	(248)
		10	Total Claims				$	506,601	$	529,002	$	(22,401)
Spouse Voluntary Ported Life Claims Experiecne

Policy Number: 341175 For the Period: Jnauary 1, 2022 through December 31, 2022 Estimate Waiver of Premium Claims

Claims

D103942		58	01/01/2012	$ 30,000	$ 6,000	$ 6,000	$	0
				$ 30,000	$ 6,000	$ 6,000	$	0
				IBNR	$ 2,516	$ 2,700	($ 184)
					$ 8,516	$ 8,700	($ 184)
Total Claims:	1

Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175 For the Period January 1, 2023 through December 31, 2023 Estimate Waiver of Premium Claims

	Claim Number						Age at
Onset		Sex				Date of
Onset			Amount of
Insurance					Current
Reserve				Prior
Reserve				Incurred

Claims

D067683	47	F	08/30/2013	$	90,000	$	33,858	$	34,007	$	(149)
D067822	46	M	05/13/2013		70,000		37,191		34,073		3,118
D070077	56	F	07/31/2013		175,000		32,051		36,094		(4,043)
D071121	37	F	12/06/2013		300,000		115,335		108,405		6,930
D075028	59	M	11/20/2014		100,000		16,665		17,490		(825)
D077648	48	F	12/14/2014		100,000		37,125		37,455		(330)
D078229	49	F	03/05/2015		200,000		73,920		74,580		(660)
D080598	58	M	01/04/2016		140,000		44,352		44,583		(231)
D084052	51	F	10/04/2016		150,000		54,450		55,440		(990)
D086068	58	M	08/01/2016		10,000		0		3,185		(3,185)
D086089	50	F	08/10/2016		120,000		44,550		45,144		(594)
D087235	52	F	02/25/2016		105,000		37,422		38,288		(866)
D088252	56	M	09/22/2016		105,000		42,100		40,367		1,733
D089499	51	F	08/17/2016		100,000		36,300		36,960		(660)
D090032	47	F	02/02/2017		40,000		15,774		15,906		(132)
D092086	50	F	04/26/2017		175,000		66,413		67,568		(1,155)
D092867	46	M	06/26/2014		130,000		70,356		63,921		6,435
D092876	53	F	04/06/2014		75,000		22,275		23,141		(866)
D093089	50	M	08/22/2017		150,000		80,438		73,260		7,178
D093096	59	M	09/01/2017		70,000		21,714		21,830		(116)
D094230	54	F	08/05/2017		95,000		32,291		33,545		(1,254)
D094255	57	F	09/16/2017		50,000		14,768		15,758		(990)
D095001	44	M	11/01/2017		350,000		188,843		173,828		15,015
D095021	56	M	10/26/2017		120,000		52,272		49,698		2,574
D095386	47	F	10/25/2017		150,000		59,153		59,648		(495)
D099683	54	M	04/15/2018		100,000		50,160		45,375		4,785
D105511	59	F	10/29/2019		45,000		13,068		14,702		(1,634)
D107272	58	F	06/30/2018		90,000		25,988		28,512		(2,524)
D107275	57	F	06/29/2018		20,000		6,435		6,831		(396)
D107280	54	M	08/07/2018		65,000		32,604		29,494		3,110
D107444	47	F	05/19/2017		190,000		74,927		75,554		(627)
D107727	48	F	05/16/2017		100,000		38,940		39,270		(330)
D109009	59	F	06/28/2019		55,000		15,972		17,968		(1,996)
D111769	54	M	06/10/2019		50,000		25,740		24,008		1,732
D115739	44	M	01/29/2016		90,000		48,857		44,105		4,752
D115869	58	M	06/06/2020		40,000		18,480		19,404		(924)
D119206	54	M	11/14/2020		105,000		55,267		53,534		1,733
D123361	57	F	11/19/2020		100,000		0		17,325		(17,325)
D125315	51	F	10/30/2014		85,000		28,471		29,032		(561)
D126666	56	F	04/19/2022		190,000		0		40,950		(40,950)
D126728	47	F	01/16/2019		295,000		115,847		119,254		(3,407)
D127381	55	F	12/20/2021		5,000		2,005		2,574		(569)
D127987	59	F	02/25/2022		75,000		27,596		14,657		12,939
D128011	41	M	02/05/2022		110,000		44,468		0		44,468
D130576	45	F	07/19/2022		500,000		162,525		0		162,525
D133776	49	M	03/14/2023		20,000		8,679		0		8,679
D133780	48	M	03/15/2023		305,000		54,109		0		54,109
D133924	42	M	05/07/2015		80,000		18,295		0		18,295
				$	5,885,000	$	2,098,049	$	1,826,723	$	271,326
					IBNR	$	348,039	$	352,815	$	(4,776)
	48	Total Claims				$	2,446,088	$	2,179,538	$	266,550
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

For the Period January 1, 2023 through December 31, 2023 Estimate Waiver of Premium Claims

	Claim Number						Age at
Onset		Date of
Onset					Amount of
Insurance			Current
Reserve						Prior
Reserve				Incurred

Claims

D133780		48	03/15/2023	$ 5,000	$ 420	$	0	$ 420
				$ 5,000	$ 420	$	0	$ 420
				IBNR	$ 25,604	$ 25,969		($ 365)
1	Total Claim				$ 26,024	$ 25,969		$ 55
Employee Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2023 through December 31, 2023 Estimate

	Waiver of Premium Claims
	Claim Number				Age at
Onset		Sex					Date of
Onset			Amount of
Insurance						Current
Reserve				Prior
Reserve				Incurred

Claims

D079142	52	F	10/13/2014	$	140,000	$	45,276	$	46,431	$	(1,155)
D090436	30	F	01/15/2013		125,000		41,250		38,981		2,269
D092281	56	F	03/25/2018		55,000		18,332		20,147		(1,815)
D098554	53	F	03/26/2018		395,000		145,992		149,251		(3,259)
D099170	57	F	04/29/2016		40,000		10,560		11,352		(792)
D105076	55	F	01/16/2019		40,000		14,586		16,632		(2,046)
D106867	53	F	07/10/2019		15,000		5,742		5,940		(198)
D114283	59	M	06/30/2015		300,000		59,400		68,310		(8,910)
D114703	52	M	10/24/2019		225,000		122,513		115,830		6,683
D126341	51	M	08/11/2022		37,500		0		9,642		(9,642)
				$	1,372,500	$	463,651	$	482,516	$	(18,865)
					IBNR	$	69,264	$	69,653	$	(389)
	10	Total Claims				$	532,915	$	552,169	$	(19,254)
Spouse Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2023 through December 31, 2023 Estimate

	Waiver of Premium Claims
	Claim Number					Age at
Onset		Date of
Onset			Amount of
Insurance					Current
Reserve				Prior
Reserve					Incurred

Claims

D103942 58		01/01/2012	$ 30,000	$	0	$ 6,000	($ 6,000)
			$ 30,000	$	0	$ 6,000	($ 6,000)
			IBNR	$	7,231	$ 7,253	($ 22)
	1	Total Claims		$	7,231	$ 13,253	($ 6,022)

Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175 For the Period January 1, 2024 through December 31, 2024 Estimate Waiver of Premium Claims

	Claim Number						Age at
Onset		Sex				Date of
Onset				Amount of
Insurance					Current
Reserve				Prior
Reserve			Incurred

Claims

D067683	47	F	08/30/2013	$	90,000		$	32,967	$	33,858	$	(891)
D067822	46	M	05/13/2013		70,000			36,498		37,191		(693)
D070077	56	F	07/31/2013		175,000			26,854		32,051		(5,197)
D071121	37	F	12/06/2013		300,000			116,820		115,335		1,485
D075028	59	M	11/20/2014		100,000			8,250		16,665		(8,415)
D077648	48	F	12/14/2014		100,000			36,135		37,125		(990)
D078229	49	F	03/05/2015		200,000			71,940		73,920		(1,980)
D080598	58	M	01/04/2016		140,000			38,808		44,352		(5,544)
D084052	51	F	10/04/2016		150,000			52,718		54,450		(1,732)
D086089	50	F	08/10/2016		120,000			43,362		44,550		(1,188)
D087235	52	F	02/25/2016		105,000			35,863		37,422		(1,559)
D088252	56	M	09/22/2016		105,000			39,328		42,100		(2,772)
D089499	51	F	08/17/2016		100,000			35,145		36,300		(1,155)
D090032	47	F	02/02/2017		40,000			15,708		15,774		(66)
D092086	50	F	04/26/2017		175,000			64,969		66,413		(1,444)
D092867	46	M	06/26/2014		130,000			69,069		70,356		(1,287)
D092876	53	F	04/06/2014		75,000			19,305		22,275		(2,970)
D093089	50	M	08/22/2017		150,000			78,953		80,438		(1,485)
D093096	59	M	09/01/2017		70,000			19,058		21,714		(2,656)
D094230	54	F	08/05/2017		95,000			30,566		32,291		(1,725)
D094255	57	F	09/16/2017		50,000			13,200		14,768		(1,568)
D095001	44	M	11/01/2017		350,000			189,998		188,843		1,155
D095021	56	M	10/26/2017		120,000			49,896		52,272		(2,376)
D095386	47	F	10/25/2017		150,000			58,905		59,153		(248)
D099683	54	M	04/15/2018		100,000			48,180		50,160		(1,980)
D105511	59	F	10/29/2019		45,000			11,732		13,068		(1,336)
D107272	58	F	06/30/2018		90,000			23,760		25,988		(2,228)
D107275	57	F	06/29/2018		20,000			5,907		6,435		(528)
D107280	54	M	08/07/2018		65,000			31,317		32,604		(1,287)
D107444	47	F	05/19/2017		190,000			74,613		74,927		(314)
D107727	48	F	05/16/2017		100,000			38,610		38,940		(330)
D109009	59	F	06/28/2019	$ 55,000			$ 14,339		$ 15,972		($ 1,633)
D111769	54	M	06/10/2019	50,000			0		25,740		(25,740)
D115739	44	M	01/29/2016	90,000			49,005		48,857		148
D115869	58	M	06/06/2020	40,000			17,490		18,480		(990)
D119206	54	M	11/14/2020	105,000			53,534		55,267		(1,733)
D125315	51	F	10/30/2014	85,000			27,209		28,471		(1,262)
D126341	48	M	12/04/2019	75,000			41,085		0		41,085
D126728	47	F	01/16/2019	295,000			115,847		115,847		0
D127381	55	F	12/20/2021	5,000			2,054		2,005		49
D127987	59	F	02/25/2022	75,000			26,730		27,596		(866)
D128011	41	M	02/05/2022	110,000			47,190		44,468		2,722
D130576	45	F	07/19/2022	500,000			179,025		162,525		16,500
D133776	49	M	03/14/2023	20,000			0		8,679		(8,679)
D133780	48	M	12/04/2022	305,000			157,014		54,109		102,905
D133924	42	M	05/07/2015	80,000			0		18,295		(18,295)
D134481	55	F	04/15/2023	195,000			83,655		0		83,655
D135176	47	M	06/30/2023	500,000			234,300		81,428		152,872
D135599	59	M	01/12/2024	75,000			15,083		0		15,083
D137162	56	F	09/12/2023	145,000			60,530		0		60,530
D137164	46	F	02/28/2023	15,000			5,346		0
D138168	58	M	11/28/2023	95,000			45,614		0
D139872	26	F	03/30/2024	205,000			9,079		0
D140355	57	F	12/21/2018	75,000			22,151		0
D140764	54	F	02/14/2023	100,000			16,698		0
D140765	58	F	04/19/2024	20,000			3,383		0		3,383
				$ 7,085,000			$ 2,644,795		$ 2,179,477		$ 366,430
						IBNR	$ 367,592		$ 348,018		$ 19,574
56 Total Claims							$ 3,012,387		$ 2,527,495		$ 484,892
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

For the Period January 1, 2024 through December 31, 2024 Estimate

	Waiver of Premium Claims
	Claim Number					Age at
Onset		Date of
Onset				Amount of
Insurance					Current
Reserve				Prior
Reserve			Incurred

Claims

D133780	48	03/15/2023	$	5,000	$	1,000	$	420	$	580
$ 5,000 $ 1,000 $ 420 $ 580
IBNR $ 25,751 $ 25,603 $ 148
1 Total Claim $ 26,751 $ 26,023 $ 728
Employee Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2024 through December 31, 2024 Estimate

	Waiver of Premium Claims
	Claim Number					Age at
Onset		Sex				Date of
Onset				Amount of
Insurance							Current
Reserve					Prior
Reserve			Incurred

Claims

D079142	52	F	10/13/2014	$	140,000	$	39,732	$	45,276	$	(5,544)
D090436	30	F	01/15/2013		125,000		42,694		41,250		1,444
D092281	56	F	03/25/2018		55,000		17,696		18,332		(636)
D098554	53	F	03/26/2018		395,000		140,126		145,992		(5,866)
D099170	57	F	04/29/2016		40,000		9,240		10,560		(1,320)
D105076	55	F	01/16/2019		40,000		14,718		14,586		132
D106867	53	F	07/10/2019		15,000		5,495		5,742		(247)
D114283	59	M	06/30/2015		300,000		47,025		59,400		(12,375)
D114703	52	M	10/24/2019		225,000		121,028		122,513		(1,485)
D139232	53	M	10/10/2019		150,000		77,963		0		77,963
				$	1,485,000	$	515,717	$	463,651	$	52,066
					IBNR	$	63,869	$	69,291	$	(5,422)
	10	Total Claims				$	579,586	$	532,942	$	46,644
Spouse Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2024 through December 31, 2024 Estimate

Waiver of Premium Claims
Claim Number NONE	Age at Onset	Date of Onset	Amount of Insurance	Current Reserve	Prior Reserve	Incurred Claims
			IBNR	$ 6,658	$ 7,237	($ 579)
	0	Total Claims		$ 6,658	$ 7,237	($ 579)

Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175 For the Period January 1, 2025 through December 31, 2025 Estimate Waiver of Premium Claims

	Claim Number				Age at
Onset		Sex			Date of
Onset		Amount of
Insurance				Current
Reserve			Prior
Reserve			Incurred

Claims

D067683	47	F	08/30/2013	$	90,000	$	31,928	$	32,967	$	(1,039)
D067822	46	M	05/13/2013		70,000		35,574		36,498		(924)
D070077	56	F	07/31/2013		175,000		18,769		26,854		(8,085)
D071121	37	F	12/06/2013		300,000		117,810		116,820		990
D075028	59	M	11/20/2014		100,000		0		8,250		(8,250)
D077648	48	F	12/14/2014		100,000		35,475		36,135		(660)
D078229	49	F	03/05/2015		200,000		67,980		71,940		(3,960)
D080598	58	M	01/04/2016		140,000		30,954		38,808		(7,854)
D084052	51	F	10/04/2016		150,000		50,243		52,718		(2,475)
D086089	50	F	08/10/2016		120,000		41,580		43,362		(1,782)
D086722	55	F	06/30/2017		180,000		52,272		0		52,272
D087235	52	F	02/25/2016		105,000		33,957		35,863		(1,906)
D088252	56	M	09/22/2016		105,000		34,477		39,328		(4,851)
D089499	51	F	08/17/2016		100,000		33,495		35,145		(1,650)
D090032	47	F	02/02/2017		40,000		15,576		15,708		(132)
D092086	50	F	04/26/2017		175,000		63,236		64,969		(1,733)
D092867	46	M	06/26/2014		130,000		67,782		69,069		(1,287)
D092876	53	F	04/06/2014		75,000		17,078		19,305		(2,227)
D093089	50	M	08/22/2017		150,000		76,973		78,953		(1,980)
D093096	59	M	09/01/2017		70,000		15,246		19,058		(3,812)
D094230	54	F	08/05/2017		95,000		28,842		30,566		(1,724)
D094255	57	F	09/16/2017		50,000		11,550		13,200		(1,650)
D095001	44	M	11/01/2017		350,000		190,575		189,998		577
D095021	56	M	10/26/2017		120,000		44,946		49,896		(4,950)
D095386	47	F	10/25/2017		150,000		58,410		58,905		(495)
D099683	54	M	04/15/2018		100,000		46,200		48,180		(1,980)
D105511	59	F	10/29/2019		45,000		10,247		11,732		(1,485)
D107272	58	F	06/30/2018		90,000		20,642		23,760		(3,118)
D107275	57	F	06/29/2018		20,000		5,280		5,907		(627)
D107280	54	M	08/07/2018		65,000		30,030		31,317		(1,287)
D107444	47	F	05/19/2017		190,000		73,986		74,613		(627)
D107727	48	F	05/16/2017		100,000		37,950		38,610		(660)
D109009	59	F	06/28/2019		55,000		12,524		14,339		(1,815)
D115739	44	M	01/29/2016		90,000		49,005		49,005		0
D115869	58	M	06/06/2020		40,000		16,302		17,490		(1,188)
D119206	54	M	11/14/2020		105,000		52,322		53,534		(1,212)
D125315	51	F	10/30/2014		85,000		0		27,209		(27,209)
D126341	48	M	12/04/2019		75,000		41,085		41,085		0
D126728	47	F	01/16/2019		295,000		116,333		115,847		486
D127381	55	F	12/20/2021		5,000		1,947		2,054		(107)
D127987	59	F	02/25/2022		75,000		24,255		26,730		(2,475)
D128011	41	M	02/05/2022		110,000		51,728		47,190		4,538
D130576	45	F	07/19/2022		500,000		187,275		179,025		8,250
D133780	48	M	12/04/2022		305,000		163,556		157,014		6,542
D134481	55	F	04/15/2023		195,000		0		83,655		(83,655)
D135176	47	M	06/30/2023		500,000		254,100		234,300		19,800
D135599	59	M	01/12/2024		75,000		0		15,083		(15,083)
D137162	56	F	09/12/2023		145,000		60,291		60,530		(239)
D137164	46	F	02/28/2023		15,000		5,495		5,346		149
D138168	58	M	11/28/2023		19,000		0		45,614		(45,614)
D139872	26	F	03/30/2024		205,000		0		9,079		(9,079)
D140355	57	F	12/21/2018		75,000		19,800		22,151		(2,351)
D140507	50	F	03/31/2024		300,000		115,830		46,827		69,003
D140764	54	F	02/14/2023		100,000		0		16,698		(16,698)
D140765	58	F	04/19/2024		20,000		7,656		3,383		4,273
D143931	46	F	10/18/2024		65,000		21,128		0		21,128
D145099	59	M	06/13/2016	$	80,000	$	12,540	$	0	$	12,540
D145307	59	F	04/17/2025		30,000		4,901		0		4,901
				$	7,514,000	$	2,617,136	$	2,691,622	$	(74,486)
					IBNR	$	374,278	$	367,597	$	6,681
	58	Total Claims				$	2,991,414	$	3,059,219	$	(67,805)
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

For the Period January 1, 2025 through December 31, 2025 Estimate Waiver of Premium Claims

Claims

D133780	48	03/15/2023	$ 5,000	$ 1,000	$ 1,000	$	0
			$ 5,000	$ 1,000	$ 1,000	$	0
			IBNR	$ 25,251	$ 25,737	$	(486)
1	Total Claim			$ 26,251	$ 26,737	$	(486)
Employee Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2025 through December 31, 2025 Estimate

	Waiver of Premium Claims
	Claim Number				Age at
Onset		Sex					Date of
Onset			Amount of
Insurance						Current
Reserve				Prior
Reserve				Incurred

Claims

D079142	52	F	10/13/2014	$	140,000	$	36,036	$	39,732	$	(3,696)
D090436	30	F	01/15/2013		125,000		43,931		42,694		1,237
D092281	56	F	03/25/2018		55,000		16,154		17,696		(1,542)
D098554	53	F	03/26/2018		395,000		134,261		140,126		(5,865)
D099170	57	F	04/29/2016		40,000		7,722		9,240		(1,518)
D105076	55	F	01/16/2019		40,000		13,860		14,718		(858)
D106867	53	F	07/10/2019		15,000		5,321		5,495		(174)
D114283	59	M	06/30/2015		300,000		0		47,025		(47,025)
D114703	52	M	10/24/2019		225,000		118,429		121,028		(2,599)
D139232	53	M	10/10/2019		150,000		75,983		77,963		(1,980)
D145547	54	F	01/07/2025		175,000		27,824		0		27,824
				$	1,660,000	$	479,521	$	515,717	$	(36,196)
					IBNR	$	58,940	$	63,965	$	(5,025)
	11	Total Claims				$	538,461	$	579,682	$	(41,221)
Spouse Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2025 through December 31, 2025 Estimate

Waiver of Premium Claims
Claim Number NONE	Age at Onset	Date of Onset	Amount of Insurance	Current Reserve	Prior Reserve	Incurred Claims
			IBNR	$ 5,920	$ 6,666	($ 746)
	0	Total Claims		$ 5,920	$ 6,666	($ 746)

2026 Q2 Employee Voluntary Term Life Insurance Claims Experience Policy Number: 34175 For the Period January 1, 2026 through June 30, 2026 Estimate Waiver of Premium Claims

	Claim Number		Age at
Onset		Sex			Date of
Onset						Amount of
Insurance					Current
Reserve					Prior
Reserve				Incurred

Claims

D067683	47	F	08/30/2013	$	90,000	$	31,928		$	31,928	$	0
D067822	46	M	05/13/2013		70,000		34,304			35,574		(1,270)
D070077	56	F	07/31/2013		175,000		9,818			18,769		(8,951)
D071121	37	F	12/06/2013		300,000		118,305			117,810		495
D077648	48	F	12/14/2014		100,000		35,475			35,475		0
D078229	49	F	03/05/2015		200,000		67,980			67,980		0
D080598	58	M	01/04/2016		140,000		11,550			30,954		(19,404)
D084052	51	F	10/04/2016		150,000		50,243			50,243		0
D086089	50	F	08/10/2016		120,000		41,580			41,580		0
D086722	55	F	06/30/2017		180,000		46,332			52,272		(5,940)
D087235	52	F	02/25/2016		105,000		32,051			33,957		(1,906)
D088252	56	M	09/22/2016		105,000		34,477			34,477		0
D089499	51	F	08/17/2016		100,000		33,495			33,495		0
D090032	47	F	02/02/2017		40,000		15,312			15,576		(264)
D092086	50	F	04/26/2017		175,000		60,638			63,236		(2,598)
D092867	46	M	06/26/2014		130,000		67,782			67,782		0
D092876	53	F	04/06/2014		75,000		17,078			17,078		0
D093089	50	M	08/22/2017		150,000		76,973			76,973		0
D093096	59	M	09/01/2017		70,000		15,246			15,246		0
D094230	54	F	08/05/2017		95,000		0			28,842		(28,842)
D094255	57	F	09/16/2017		50,000		0			11,550		(11,550)
D095001	44	M	11/01/2017		350,000		190,575			190,575		0
D095021	56	M	10/26/2017		120,000		44,946			44,946		0
D095386	47	F	10/25/2017		150,000		58,410			58,410		0
D099683	54	M	04/15/2018		100,000		43,725			46,200		(2,475)
D105511	59	F	10/29/2019		45,000		10,247			10,247		0
D107272	58	F	06/30/2018		90,000		17,375			20,642		(3,267)
D107275	57	F	06/29/2018		20,000		4,620			5,280		(660)
D107280	54	M	08/07/2018		65,000		30,030			30,030		0
D107444	47	F	05/19/2017		190,000		72,732			73,986		(1,254)
D107727	48	F	05/16/2017		100,000		37,125			37,950		(825)
D109009	59	F	06/28/2019	$	55,000	$	10,527		$	12,524	$	(1,997)
D115739	44	M	01/29/2016		90,000		48,857			49,005		(148)
D115869	58	M	06/06/2020		40,000		14,784			16,302		(1,518)
D119206	54	M	11/14/2020		105,000		52,322			52,322		0
D126341	48	M	12/04/2019		75,000		41,085			41,085		0
D126728	47	F	01/16/2019		295,000		115,847			116,333		(486)
D127381	55	F	12/20/2021		5,000		1,947			1,947		0
D127987	59	F	02/25/2022		75,000		21,780			24,255		(2,475)
D128011	41	M	02/05/2022		110,000		0			51,728		(51,728)
D130576	45	F	07/19/2022		500,000		187,275			187,275		0
D133780	48	M	12/04/2022		305,000		163,556			163,556		0
D135176	47	M	06/30/2023		500,000		266,475			254,100		12,375
D137162	56	F	09/12/2023		145,000		60,291			60,291		0
D137164	46	F	02/28/2023		15,000		5,742			5,495		247
D138168	58	M	11/28/2023		19,000		9,280			0		9,280
D140355	57	F	12/21/2018		75,000		19,800			19,800		0
D140507	50	F	03/31/2024		300,000		117,810			115,830		1,980
D140765	58	F	04/19/2024		20,000		7,557			7,656		(99)
D143931	46	F	10/18/2024		65,000		22,523			21,128		1,395
D144963	50	F	01/06/2025		400,000		148,500			0		148,500
D145099	59	M	06/13/2016		80,000		6,600			12,540		(5,940)
D145307	59	F	04/17/2025		30,000		0			4,901		(4,901)
D145552	53	F	01/27/2025		120,000		45,738			0		45,738
				$	7,274,000	$	2,678,648		$	2,617,136	$	61,512
					IBNR	$	385,066		$	374,241	$	10,825
	Total Claims	54						$3,063,714		$2,991,377		$72,337
Spouse Voluntary Term Life Insurance Claims Experience Policy Number: 34175

For the Period January 1, 2026 through June 30, 2026 Estimate Waiver of Premium Claims

	Claim Number				Age at
Onset			Date of
Onset		Amount of
Insurance				Current
Reserve				Prior
Reserve			Incurred

Claims

D133780	48	03/15/2023	$ 5,000	$ 1,000	$ 1,000	$	0
			$ 5,000	$ 1,000	$ 1,000	$	0
			IBNR	$ 25,401	$ 25,230	$	171
1	Total Claim			$ 26,401	$ 26,230	$	171
Employee Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2026 through June 30, 2026 Estimate

	Waiver of Premium Claims
		Claim Number						Age at
Onset			Sex				Date of
Onset				Amount of
Insurance				Current
Reserve						Prior
Reserve					Incurred

Claims

	D079142	52	F	10/13/2014	$	140,000	$	36,036	$	36,036	$	0
	D090436	30	F	01/15/2013		125,000		43,931		43,931		0
	D092281	56	F	03/25/2018		55,000		14,429		16,154		(1,725)
	D098554	53	F	03/26/2018		395,000		127,743		134,261		(6,518)
	D099170	57	F	04/29/2016		40,000		6,138		7,722		(1,584)
	D105076	55	F	01/16/2019		40,000		12,804		13,860		(1,056)
	D106867	53	F	07/10/2019		15,000		5,321		5,321		0
	D114703	52	M	10/24/2019		225,000		118,429		118,429		0
	D139232	53	M	10/10/2019		150,000		75,983		75,983		0
					$	1,185,000	$	440,814	$	451,697	$	(10,883)
						IBNR	$	53,669	$	59,018	$	(5,349)
		9	Total Claims				$	494,483	$	510,715	$	(16,232)
Spouse Voluntary Ported Life Claims Experience Policy Number: 34175

For the Period January 1, 2026 through June 30, 2026 Estimate

Waiver of Premium Claims
	Claim Number NONE	Age at Onset	Date of Onset	Amount of Insurance	Current Reserve	Prior Reserve	Incurred Claims
				IBNR	$ 5,466	$ 5,925	($ 459)
		0	Total Claims		$ 5,466	$ 5,925	($ 459)

File details come from the government source that posted it. Updated Aug 21, 2026.