4.3

Proposal XML

Use the Proposal XML reference shown below when you are coding proposal templates. Note that this is the standard proposal reference structure. If you have a custom developed proposal xml, contact your customer service representative for the appropriate reference file.

<MDSLProposal>

    <Record>

        <Proposal>

            <AccountName>Acme Market</AccountName>

            <AccountStreet>344 Main Street</AccountStreet>

            <AccountCity>Aurora</AccountCity>

            <AccountState>CO</AccountState>

            <AccountStateName>Colorado</AccountStateName>

            <AccountZip>80456</AccountZip>

            <AccountType>CORP</AccountType>

            <FederalId>12-3456789</FederalId>

            <SIC>8999</SIC>

            <SICDescription>Miscellaneous Services NEC</SICDescription>

            <CarrierName>Acme Supply National</CarrierName>

            <EffectiveDate>09/01/2018</EffectiveDate>

            <ExpirationDate>08/31/2019</ExpirationDate>

            <ProposalNo>0</ProposalNo>

            <ProposalDate>01/02/2019</ProposalDate>

            <ProducerName>Domestic</ProducerName>

            <ProducerStreet>3107 Champs St.</ProducerStreet>

            <ProducerCity>Honolulu</ProducerCity>

            <ProducerState>HI</ProducerState>

            <ProducerZip>99146</ProducerZip>

            <ProducerContactName>Adams, John</ProducerContactName>

            <AdministratorName>Acme Retail</AdministratorName>

            <AdministratorStreet>6441 Main Street</AdministratorStreet>

            <AdministratorCity> </AdministratorCity>

            <AdministratorState> </AdministratorState>

            <AdministratorZip> </AdministratorZip>

            <OfficeName>Acme Emergency Office Professional</OfficeName>

            <OfficeStreet>5212 Main Road</OfficeStreet>

            <OfficeCity>Minneapolis</OfficeCity>

            <OfficeState>MN</OfficeState>

            <OfficeZip>55335</OfficeZip>

            <OfficePhoneNo>8885551212</OfficePhoneNo>

            <BrokerName> </BrokerName>

            <BrokerCity> </BrokerCity>

            <BrokerState> </BrokerState>

            <BrokerZip> </BrokerZip>

            <MarketingRepName>Coolidge, Calvin</MarketingRepName>

            <UnderwriterName>Taylor, Zachary</UnderwriterName>

            <PPONetwork> </PPONetwork>

            <IsCOBRACovered>Y</IsCOBRACovered>

            <IsSpecific>Y</IsSpecific>

            <IsAggregate>Y</IsAggregate>

            <SpRateSchedule>TS02</SpRateSchedule>

            <AgRateSchedule>TS01</AgRateSchedule>

            <AgFactorSchedule>TS02</AgFactorSchedule>

            <SpIsHospDomesticReimbursement>N</SpIsHospDomesticReimbursement>

            <SpHospDomesticReimbPercent>0.00</SpHospDomesticReimbPercent>

            <SpHospForeignReimbPercent>100</SpHospForeignReimbPercent>

            <SpHospExpectedDomesticUtilization>0.00</SpHospExpectedDomesticUtilization>

            <AgIsAdvanceFunding>N</AgIsAdvanceFunding>

            <AgIsTerminalExtension>N</AgIsTerminalExtension>

            <AgTerminalExtTerm>NONE</AgTerminalExtTerm>

            <AgTerminalExtTermDescription>None</AgTerminalExtTermDescription>

            <SpIsTerminalExtension>N</SpIsTerminalExtension>

            <SpTerminalExtTerm>NONE</SpTerminalExtTerm>

            <SpTerminalExtTermDescription>None</SpTerminalExtTermDescription>

            <AgIsMaxLiabilityPerPerson>Y</AgIsMaxLiabilityPerPerson>

            <NoOptions>2</NoOptions>

            <MonthsInContract>12</MonthsInContract>

            <AgPaymentSchedule>PEPM</AgPaymentSchedule>

            <SpIsIncludeCompositeRate>Y</SpIsIncludeCompositeRate>

            <AgIsIncludeCompositeFactor>Y</AgIsIncludeCompositeFactor>

            <IsAggregatingSpecific>N</IsAggregatingSpecific>

        </Proposal>

        <Option>

            <SpIsMDCovered>Y</SpIsMDCovered>

            <SpIsRXCovered>Y</SpIsRXCovered>

            <SpDeductible>100000</SpDeductible>

            <SpIsFamilyDeductible>N</SpIsFamilyDeductible>

            <SpMaxCoverageLimit>0</SpMaxCoverageLimit>

            <SpMaxReimbursement>0</SpMaxReimbursement>

            <SpReimbPercent>100</SpReimbPercent>

            <SpIsAdvanceFunding>N</SpIsAdvanceFunding>

            <SpIsAddLiability>N</SpIsAddLiability>

            <SpAddLiability>0</SpAddLiability>

            <SpContractBasisDescription>12/12</SpContractBasisDescription>

            <SpRunInLimit>0</SpRunInLimit>

            <SpClaimIncMonths>12</SpClaimIncMonths>

            <SpClaimPaidMonths>12</SpClaimPaidMonths>

            <SpClaimIncFrom>09/01/2018</SpClaimIncFrom>

            <SpClaimIncTo>08/31/2019</SpClaimIncTo>

            <SpClaimPaidFrom>09/01/2018</SpClaimPaidFrom>

            <SpClaimPaidTo>08/31/2019</SpClaimPaidTo>

            <SpEnrollmentEE>399</SpEnrollmentEE>

            <SpEnrollmentES>0</SpEnrollmentES>

            <SpEnrollmentEC>0</SpEnrollmentEC>

            <SpEnrollmentED>0</SpEnrollmentED>

            <SpEnrollmentEF>351</SpEnrollmentEF>

            <SpEnrollmentComposite>750</SpEnrollmentComposite>

            <SpRateEE>148.34</SpRateEE>

            <SpRateES>0.00</SpRateES>

            <SpRateEC>0.00</SpRateEC>

            <SpRateED>0.00</SpRateED>

            <SpRateEF>319.77</SpRateEF>

            <SpRateComposite>228.57</SpRateComposite>

            <SpCommission>None</SpCommission>

            <SpEstMonthlyCost>171425.08</SpEstMonthlyCost>

            <SpEstAnnualPremium>2057101.00</SpEstAnnualPremium>

            <AgIsMDCovered>Y</AgIsMDCovered>

            <AgIsRXCovered>Y</AgIsRXCovered>

            <AgIsDNCvered>N</AgIsDNCvered>

            <AgIsVICovered>N</AgIsVICovered>

            <AgIsWICovered>N</AgIsWICovered>

            <AgIsO1Covered>N</AgIsO1Covered>

            <AgIsO2Covered>N</AgIsO2Covered>

            <AgO1Description />

            <AgO2Description />

            <AgIndvDeductible>100000</AgIndvDeductible>

            <AgMaxReimbursement>1000000</AgMaxReimbursement>

            <AgReimbPercent>100</AgReimbPercent>

            <AgCorridor>125</AgCorridor>

            <AgMinAttachmentPercent>100</AgMinAttachmentPercent>

            <AgMinAttachmentPoint>3485418.000000000000</AgMinAttachmentPoint>

            <AgEstAttachmentPoint>3485418.000000</AgEstAttachmentPoint>

            <AgIsAdvanceFunding>N</AgIsAdvanceFunding>

            <AgTerminalExtCorridor>0</AgTerminalExtCorridor>

            <AgContractBasisDescription>12/12</AgContractBasisDescription>

            <AgRunInLimit>0.000000000000000</AgRunInLimit>

            <AgClaimIncMonths>12</AgClaimIncMonths>

            <AgClaimPaidMonths>12</AgClaimPaidMonths>

            <AgClaimIncFrom>09/01/2018</AgClaimIncFrom>

            <AgClaimIncTo>08/31/2019</AgClaimIncTo>

            <AgClaimPaidFrom>09/01/2018</AgClaimPaidFrom>

            <AgClaimPaidTo>08/31/2019</AgClaimPaidTo>

            <AgFactorEnrollmentEE>399</AgFactorEnrollmentEE>

            <AgFactorEnrollmentES>0</AgFactorEnrollmentES>

            <AgFactorEnrollmentEC>0</AgFactorEnrollmentEC>

            <AgFactorEnrollmentED>0</AgFactorEnrollmentED>

            <AgFactorEnrollmentEF>351</AgFactorEnrollmentEF>

            <AgFactorEnrollmentComposite>750</AgFactorEnrollmentComposite>

            <AgFactorEE>194.20</AgFactorEE>

            <AgFactorES>0.00</AgFactorES>

            <AgFactorEC>0.00</AgFactorEC>

            <AgFactorED>0.00</AgFactorED>

            <AgFactorEF>606.74</AgFactorEF>

            <AgFactorComposite>387.27</AgFactorComposite>

            <AgTLOFactorEE>0.00</AgTLOFactorEE>

            <AgTLOFactorES>0.00</AgTLOFactorES>

            <AgTLOFactorEC>0.00</AgTLOFactorEC>

            <AgTLOFactorED>0.00</AgTLOFactorED>

            <AgTLOFactorEF>0.00</AgTLOFactorEF>

            <AgTLOFactorComposite>0.00</AgTLOFactorComposite>

            <AgRateEnrollmentEE>750</AgRateEnrollmentEE>

            <AgRateEnrollmentES>0</AgRateEnrollmentES>

            <AgRateEnrollmentEC>0</AgRateEnrollmentEC>

            <AgRateEnrollmentED>0</AgRateEnrollmentED>

            <AgRateEnrollmentEF>0</AgRateEnrollmentEF>

            <AgRateEnrollmentComposite>750</AgRateEnrollmentComposite>

            <AgRateEE>0.70</AgRateEE>

            <AgRateES>0.00</AgRateES>

            <AgRateEC>0.00</AgRateEC>

            <AgRateED>0.00</AgRateED>

            <AgRateEF>0.00</AgRateEF>

            <AgRateComposite>0.70</AgRateComposite>

            <AgCommission>None</AgCommission>

            <AgCoverage>Medical, Rx</AgCoverage>

            <AgEstMonthlyCost>527.25</AgEstMonthlyCost>

            <AgEstAnnualPremium>6327.00</AgEstAnnualPremium>

            <AgMinAnnualDeductible>3485418.00</AgMinAnnualDeductible>

            <AgRateAnnualPremiumX>0.00</AgRateAnnualPremiumX>

            <AgRateAnnualPremium>0.00</AgRateAnnualPremium>

            <TotalFixedCost>2063428.00</TotalFixedCost>

            <VariableCosts>3485418.00</VariableCosts>

            <MaximumTotalLiability>5548846.00</MaximumTotalLiability>

        </Option>

        <Option>

            <SpIsMDCovered>Y</SpIsMDCovered>

            <SpIsRXCovered>Y</SpIsRXCovered>

            <SpDeductible>200000</SpDeductible>

            <SpIsFamilyDeductible>N</SpIsFamilyDeductible>

            <SpMaxCoverageLimit>0</SpMaxCoverageLimit>

            <SpMaxReimbursement>0</SpMaxReimbursement>

            <SpReimbPercent>100</SpReimbPercent>

            <SpIsAdvanceFunding>N</SpIsAdvanceFunding>

            <SpIsAddLiability>N</SpIsAddLiability>

            <SpAddLiability>0</SpAddLiability>

            <SpContractBasisDescription>12/12</SpContractBasisDescription>

            <SpRunInLimit>0</SpRunInLimit>

            <SpClaimIncMonths>12</SpClaimIncMonths>

            <SpClaimPaidMonths>12</SpClaimPaidMonths>

            <SpClaimIncFrom>09/01/2018</SpClaimIncFrom>

            <SpClaimIncTo>08/31/2019</SpClaimIncTo>

            <SpClaimPaidFrom>09/01/2018</SpClaimPaidFrom>

            <SpClaimPaidTo>08/31/2019</SpClaimPaidTo>

            <SpEnrollmentEE>399</SpEnrollmentEE>

            <SpEnrollmentES>0</SpEnrollmentES>

            <SpEnrollmentEC>0</SpEnrollmentEC>

            <SpEnrollmentED>0</SpEnrollmentED>

            <SpEnrollmentEF>351</SpEnrollmentEF>

            <SpEnrollmentComposite>750</SpEnrollmentComposite>

            <SpRateEE>114.42</SpRateEE>

            <SpRateES>0.00</SpRateES>

            <SpRateEC>0.00</SpRateEC>

            <SpRateED>0.00</SpRateED>

            <SpRateEF>253.72</SpRateEF>

            <SpRateComposite>179.61</SpRateComposite>

            <SpCommission>None</SpCommission>

            <SpEstMonthlyCost>134707.50</SpEstMonthlyCost>

            <SpEstAnnualPremium>1616490.00</SpEstAnnualPremium>

            <AgIsMDCovered>Y</AgIsMDCovered>

            <AgIsRXCovered>Y</AgIsRXCovered>

            <AgIsDNCvered>N</AgIsDNCvered>

            <AgIsVICovered>N</AgIsVICovered>

            <AgIsWICovered>N</AgIsWICovered>

            <AgIsO1Covered>N</AgIsO1Covered>

            <AgIsO2Covered>N</AgIsO2Covered>

            <AgO1Description />

            <AgO2Description />

            <AgIndvDeductible>200000</AgIndvDeductible>

            <AgMaxReimbursement>1000000</AgMaxReimbursement>

            <AgReimbPercent>100</AgReimbPercent>

            <AgCorridor>125</AgCorridor>

            <AgMinAttachmentPercent>100</AgMinAttachmentPercent>

            <AgMinAttachmentPoint>3547730.000000000000</AgMinAttachmentPoint>

            <AgEstAttachmentPoint>3547730.000000</AgEstAttachmentPoint>

            <AgIsAdvanceFunding>N</AgIsAdvanceFunding>

            <AgTerminalExtCorridor>0</AgTerminalExtCorridor>

            <AgContractBasisDescription>12/12</AgContractBasisDescription>

            <AgRunInLimit>0.000000000000000</AgRunInLimit>

            <AgClaimIncMonths>12</AgClaimIncMonths>

            <AgClaimPaidMonths>12</AgClaimPaidMonths>

            <AgClaimIncFrom>09/01/2018</AgClaimIncFrom>

            <AgClaimIncTo>08/31/2019</AgClaimIncTo>

            <AgClaimPaidFrom>09/01/2018</AgClaimPaidFrom>

            <AgClaimPaidTo>08/31/2019</AgClaimPaidTo>

            <AgFactorEnrollmentEE>399</AgFactorEnrollmentEE>

            <AgFactorEnrollmentES>0</AgFactorEnrollmentES>

            <AgFactorEnrollmentEC>0</AgFactorEnrollmentEC>

            <AgFactorEnrollmentED>0</AgFactorEnrollmentED>

            <AgFactorEnrollmentEF>351</AgFactorEnrollmentEF>

            <AgFactorEnrollmentComposite>750</AgFactorEnrollmentComposite>

            <AgFactorEE>206.22</AgFactorEE>

            <AgFactorES>0.00</AgFactorES>

            <AgFactorEC>0.00</AgFactorEC>

            <AgFactorED>0.00</AgFactorED>

            <AgFactorEF>607.87</AgFactorEF>

            <AgFactorComposite>394.19</AgFactorComposite>

            <AgTLOFactorEE>0.00</AgTLOFactorEE>

            <AgTLOFactorES>0.00</AgTLOFactorES>

            <AgTLOFactorEC>0.00</AgTLOFactorEC>

            <AgTLOFactorED>0.00</AgTLOFactorED>

            <AgTLOFactorEF>0.00</AgTLOFactorEF>

            <AgTLOFactorComposite>0.00</AgTLOFactorComposite>

            <AgRateEnrollmentEE>750</AgRateEnrollmentEE>

            <AgRateEnrollmentES>0</AgRateEnrollmentES>

            <AgRateEnrollmentEC>0</AgRateEnrollmentEC>

            <AgRateEnrollmentED>0</AgRateEnrollmentED>

            <AgRateEnrollmentEF>0</AgRateEnrollmentEF>

            <AgRateEnrollmentComposite>750</AgRateEnrollmentComposite>

            <AgRateEE>0.72</AgRateEE>

            <AgRateES>0.00</AgRateES>

            <AgRateEC>0.00</AgRateEC>

            <AgRateED>0.00</AgRateED>

            <AgRateEF>0.00</AgRateEF>

            <AgRateComposite>0.72</AgRateComposite>

            <AgCommission>None</AgCommission>

            <AgCoverage>Medical, Rx</AgCoverage>

            <AgEstMonthlyCost>536.67</AgEstMonthlyCost>

            <AgEstAnnualPremium>6440.00</AgEstAnnualPremium>

            <AgMinAnnualDeductible>3547730.00</AgMinAnnualDeductible>

            <AgRateAnnualPremiumX>0.00</AgRateAnnualPremiumX>

            <AgRateAnnualPremium>0.00</AgRateAnnualPremium>

            <TotalFixedCost>1622930.00</TotalFixedCost>

            <VariableCosts>3547730.00</VariableCosts>

            <MaximumTotalLiability>5170660.00</MaximumTotalLiability>

        </Option>

        <Limitations>

            <Limitation>Qual #1&amp;#160;</Limitation>

        </Limitations>

        <Limitations>

            <Limitation>

                The rates are contingent upon receipt, review and approval by ACME of the claim information

            </Limitation>

        </Limitations>

        <Limitations>

            <Limitation>This is a TEST.&amp;#160; This is only a TEST. </Limitation>

        </Limitations>

        <Laser>

            <ParticipantDescription>Dude, Another</ParticipantDescription>

            <SpLaserDeductible>325000</SpLaserDeductible>

        </Laser>

        <Laser>

            <ParticipantDescription>Person, Some</ParticipantDescription>

            <SpLaserDeductible>275000</SpLaserDeductible>

        </Laser>

        <PPONetworks />

    </Record>

</MDSLProposal>