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>
<IsIncludeCoverPage>Y</IsIncludeCoverPage>
<Status>FIRM</Status>
<EffectiveDate>09/01/2022</EffectiveDate>
<ExpirationDate>08/31/2023</ExpirationDate>
<MonthsInContract>12</MonthsInContract>
<ProposalDate>08/24/2022</ProposalDate>
<ValidThruDate>09/01/2022</ValidThruDate>
<IsRenewal>Y</IsRenewal>
<ProposalNo>0</ProposalNo>
<PolicyNo />
<ScenarioNo>19632</ScenarioNo>
<Template>ACME</Template>
</Proposal>
<Product>
<Type>Test A</Type>
</Product>
<Account>
<Name>Acme, Inc.</Name>
<Street>100 S Main St</Street>
<City>Metrocity</City>
<State>NY</State>
<Zip>12345</Zip>
<SIC>9111</SIC>
<SICDescription>Executive Offices</SICDescription>
<LegalEntity>CORP</LegalEntity>
</Account>
<Carrier>
<Name>Acme, Inc.</Name>
<City>Eatonton</City>
<State>NJ</State>
</Carrier>
<UnderwritingOffice>
<Name>Acme Reinsurance LLC</Name>
<Street>100 Route One</Street>
<City>Falmouth</City>
<State>ME</State>
<Zip>04105</Zip>
<Telephone>8885551212</Telephone>
<Fax>8885551212</Fax>
</UnderwritingOffice>
<Producer>
<Name>Acme Health</Name>
<Street>1 West Main Street</Street>
<City>Littleton</City>
<State>CO</State>
<Zip>80120</Zip>
</Producer>
<Broker>
<Name>Broker Dude</Name>
<City />
<State />
<Zip />
</Broker>
<AgentOfRecord>
<Name />
<City />
<State />
<Zip />
</AgentOfRecord>
<Administrator>
<Street />
<City />
<State />
<Zip />
</Administrator>
<MarketingRep>
<FirstName>John</FirstName>
<LastName>Adams</LastName>
<Email>j.adams@company.com</Email>
</MarketingRep>
<Underwriter>
<FirstName>Abigail</FirstName>
<LastName>Adams</LastName>
<Email>a.adams@company.com</Email>
<Telephone>8885551212</Telephone>
</Underwriter>
<Terms>
<SpIsCoverage>Y</SpIsCoverage>
<SpIsMDCovered>Y</SpIsMDCovered>
<SpIsRXCovered>N</SpIsRXCovered>
<SpIsRCCovered>Y</SpIsRCCovered>
<SpIsOTCovered>Y</SpIsOTCovered>
<SpOTDescription>Platinum program</SpOTDescription>
<SpIsFamilyDeductible>N</SpIsFamilyDeductible>
<SpReimbPercent>100</SpReimbPercent>
<SpIsAdvanceFunding>Y</SpIsAdvanceFunding>
<SpIsGaplessRenewal>N</SpIsGaplessRenewal>
<SpIsRenewalRateCap>N</SpIsRenewalRateCap>
<SpRenewalRateCap>0.00</SpRenewalRateCap>
<SpIsHospDomesticReimbursement>N</SpIsHospDomesticReimbursement>
<SpHospDomesticReimbPercent>80.00</SpHospDomesticReimbPercent>
<SpHospForeignReimbPercent>100</SpHospForeignReimbPercent>
<SpHospExpectedDomesticUtilization>20.00</SpHospExpectedDomesticUtilization>
<SpRateSchedule>TS04</SpRateSchedule>
<SpIsIncludeRateCE>N</SpIsIncludeRateCE>
<SpEnrollmentEE>126</SpEnrollmentEE>
<SpEnrollmentES>24</SpEnrollmentES>
<SpEnrollmentEC>34</SpEnrollmentEC>
<SpEnrollmentED>0</SpEnrollmentED>
<SpEnrollmentEF>13</SpEnrollmentEF>
<SpEnrollmentCE>197</SpEnrollmentCE>
<AgIsCoverage>Y</AgIsCoverage>
<AgIsMDCovered>Y</AgIsMDCovered>
<AgIsRXCovered>N</AgIsRXCovered>
<AgIsRCCovered>Y</AgIsRCCovered>
<AgIsDNCovered>N</AgIsDNCovered>
<AgIsVICovered>N</AgIsVICovered>
<AgIsWICovered>N</AgIsWICovered>
<AgIsOTCovered>N</AgIsOTCovered>
<AgOTDescription> </AgOTDescription>
<AgMaxReimbursement>1000000</AgMaxReimbursement>
<AgReimbPercent>100</AgReimbPercent>
<AgCorridor>120</AgCorridor>
<AgMinAttachmentPercent>90</AgMinAttachmentPercent>
<AgIsAdvanceFunding>Y</AgIsAdvanceFunding>
<AgRateSchedule>TS04</AgRateSchedule>
<AgIsIncludeRateCE>Y</AgIsIncludeRateCE>
<AgPaymentSchedule>MONT</AgPaymentSchedule>
<AgEnrollmentEE>197</AgEnrollmentEE>
<AgEnrollmentES>0</AgEnrollmentES>
<AgEnrollmentEC>0</AgEnrollmentEC>
<AgEnrollmentED>0</AgEnrollmentED>
<AgEnrollmentEF>0</AgEnrollmentEF>
<AgEnrollmentCE>197</AgEnrollmentCE>
<AgFactorSchedule>TS04</AgFactorSchedule>
<AgIsIncludeFactorCE>N</AgIsIncludeFactorCE>
<AgIsRXSeparateFactor>N</AgIsRXSeparateFactor>
<AgIsDNSeparateFactor>N</AgIsDNSeparateFactor>
<AgIsVISeparateFactor>N</AgIsVISeparateFactor>
<AgIsWISeparateFactor>N</AgIsWISeparateFactor>
<AgMDEnrollmentEE>126</AgMDEnrollmentEE>
<AgMDEnrollmentES>24</AgMDEnrollmentES>
<AgMDEnrollmentEC>34</AgMDEnrollmentEC>
<AgMDEnrollmentED>0</AgMDEnrollmentED>
<AgMDEnrollmentEF>13</AgMDEnrollmentEF>
<AgMDEnrollmentCE>197</AgMDEnrollmentCE>
<AgRXEnrollmentEE>126</AgRXEnrollmentEE>
<AgRXEnrollmentES>24</AgRXEnrollmentES>
<AgRXEnrollmentEC>34</AgRXEnrollmentEC>
<AgRXEnrollmentED>0</AgRXEnrollmentED>
<AgRXEnrollmentEF>13</AgRXEnrollmentEF>
<AgRXEnrollmentCE>197</AgRXEnrollmentCE>
<AgDNEnrollmentEE>126</AgDNEnrollmentEE>
<AgDNEnrollmentES>24</AgDNEnrollmentES>
<AgDNEnrollmentEC>34</AgDNEnrollmentEC>
<AgDNEnrollmentED>0</AgDNEnrollmentED>
<AgDNEnrollmentEF>13</AgDNEnrollmentEF>
<AgDNEnrollmentCE>197</AgDNEnrollmentCE>
<AgVIEnrollmentEE>126</AgVIEnrollmentEE>
<AgVIEnrollmentES>24</AgVIEnrollmentES>
<AgVIEnrollmentEC>34</AgVIEnrollmentEC>
<AgVIEnrollmentED>0</AgVIEnrollmentED>
<AgVIEnrollmentEF>13</AgVIEnrollmentEF>
<AgVIEnrollmentCE>197</AgVIEnrollmentCE>
<AgWIEnrollmentEE>126</AgWIEnrollmentEE>
<AgWIEnrollmentES>24</AgWIEnrollmentES>
<AgWIEnrollmentEC>34</AgWIEnrollmentEC>
<AgWIEnrollmentED>0</AgWIEnrollmentED>
<AgWIEnrollmentEF>13</AgWIEnrollmentEF>
<AgWIEnrollmentCE>197</AgWIEnrollmentCE>
<IsActivelyAtWorkWaived>0</IsActivelyAtWorkWaived>
<IsPlanMirroring>0</IsPlanMirroring>
<PlanMirrorQualification />
<IsEarlyRateLockIn>N</IsEarlyRateLockIn>
<SpMaximumLimit>ANNL</SpMaximumLimit>
</Terms>
<Options>
<Option>
<OptionNo>0</OptionNo>
<SpIsIncluded>Y</SpIsIncluded>
<SpDeductible>75000</SpDeductible>
<SpMaxCoverageLimit>0</SpMaxCoverageLimit>
<SpMaxReimbursement>0</SpMaxReimbursement>
<SpContractBasis>18/12</SpContractBasis>
<SpClaimIncMonths>18</SpClaimIncMonths>
<SpClaimPaidMonths>12</SpClaimPaidMonths>
<SpClaimIncFrom>03/01/2022</SpClaimIncFrom>
<SpClaimIncTo>08/31/2023</SpClaimIncTo>
<SpClaimPaidFrom>09/01/2022</SpClaimPaidFrom>
<SpClaimPaidTo>08/31/2023</SpClaimPaidTo>
<SpRunInLimit>0</SpRunInLimit>
<SpIsTerminalExtension>N</SpIsTerminalExtension>
<SpTerminalExtTerm>NONE</SpTerminalExtTerm>
<SpTerminalExtTermDescription>Not Applicable</SpTerminalExtTermDescription>
<SpIsAggregatedSpecific>N</SpIsAggregatedSpecific>
<SpAddLiability>0</SpAddLiability>
<SpIsPremiumLoadInLieuOfLaser>N</SpIsPremiumLoadInLieuOfLaser>
<SpPremiumLoadInLieuOfLaser>0.00</SpPremiumLoadInLieuOfLaser>
<SpIsNoNewLaserRenewal>N</SpIsNoNewLaserRenewal>
<SpIsAdvanceFunding>Y</SpIsAdvanceFunding>
<SpIsGaplessRenewal>N</SpIsGaplessRenewal>
<SpIsRenewalRateCap>N</SpIsRenewalRateCap>
<SpRenewalRateCap>0.00</SpRenewalRateCap>
<SpRateEE>232.44</SpRateEE>
<SpRateES>449.28</SpRateES>
<SpRateEC>399.22</SpRateEC>
<SpRateED>0.00</SpRateED>
<SpRateEF>667.87</SpRateEF>
<SpRateCE>316.38</SpRateCE>
<SpCommission>3.00</SpCommission>
<SpEstMonthlyPremium>62325.95</SpEstMonthlyPremium>
<SpEstAnnualPremium>747911.00</SpEstAnnualPremium>
<SpChangeFromCurrent>0.00</SpChangeFromCurrent>
<AgIsIncluded>Y</AgIsIncluded>
<AgMaxLossLimit>75000</AgMaxLossLimit>
<AgContractBasis>15/12</AgContractBasis>
<AgClaimIncMonths>15</AgClaimIncMonths>
<AgClaimPaidMonths>12</AgClaimPaidMonths>
<AgClaimIncFrom>06/01/2022</AgClaimIncFrom>
<AgClaimIncTo>08/31/2023</AgClaimIncTo>
<AgClaimPaidFrom>09/01/2022</AgClaimPaidFrom>
<AgClaimPaidTo>08/31/2023</AgClaimPaidTo>
<AgRunInLimit>100000.00</AgRunInLimit>
<AgIsTerminalExtension>N</AgIsTerminalExtension>
<AgTerminalExtTerm>03MO</AgTerminalExtTerm>
<AgTerminalExtTermDescription>3 Month Extension</AgTerminalExtTermDescription>
<AgTerminalExtCorridor>125</AgTerminalExtCorridor>
<AgIsTerminalExtMaxLiability>Y</AgIsTerminalExtMaxLiability>
<AgMinAttachmentPoint>2156285</AgMinAttachmentPoint>
<AgMinEstAttachmentPoint>2156285</AgMinEstAttachmentPoint>
<AgEstAttachmentPoint>2395872</AgEstAttachmentPoint>
<AgTotalEstAttachmentPoint>2395872</AgTotalEstAttachmentPoint>
<AgMDFactorEE>732.29</AgMDFactorEE>
<AgMDFactorES>1458.72</AgMDFactorES>
<AgMDFactorEC>1291.03</AgMDFactorEC>
<AgMDFactorED>1291.03</AgMDFactorED>
<AgMDFactorEF>2191.01</AgMDFactorEF>
<AgMDFactorCE>1013.48</AgMDFactorCE>
<AgRXFactorEE>0.00</AgRXFactorEE>
<AgRXFactorES>0.00</AgRXFactorES>
<AgRXFactorEC>0.00</AgRXFactorEC>
<AgRXFactorED>0.00</AgRXFactorED>
<AgRXFactorEF>0.00</AgRXFactorEF>
<AgRXFactorCE>0.00</AgRXFactorCE>
<AgDNFactorEE>0.00</AgDNFactorEE>
<AgDNFactorES>0.00</AgDNFactorES>
<AgDNFactorEC>0.00</AgDNFactorEC>
<AgDNFactorED>0.00</AgDNFactorED>
<AgDNFactorEF>0.00</AgDNFactorEF>
<AgDNFactorCE>0.00</AgDNFactorCE>
<AgVIFactorEE>0.00</AgVIFactorEE>
<AgVIFactorES>0.00</AgVIFactorES>
<AgVIFactorEC>0.00</AgVIFactorEC>
<AgVIFactorED>0.00</AgVIFactorED>
<AgVIFactorEF>0.00</AgVIFactorEF>
<AgVIFactorCE>0.00</AgVIFactorCE>
<AgWIFactorEE>0.00</AgWIFactorEE>
<AgWIFactorES>0.00</AgWIFactorES>
<AgWIFactorEC>0.00</AgWIFactorEC>
<AgWIFactorED>0.00</AgWIFactorED>
<AgWIFactorEF>0.00</AgWIFactorEF>
<AgWIFactorCE>0.00</AgWIFactorCE>
<AgCombinedRateEE>11.20</AgCombinedRateEE>
<AgRateEE>9.70</AgRateEE>
<AgRateES>0.00</AgRateES>
<AgRateEC>0.00</AgRateEC>
<AgRateED>0.00</AgRateED>
<AgRateEF>0.00</AgRateEF>
<AgRateCE>9.70</AgRateCE>
<AgRtGrossAccomRate>123.0000</AgRtGrossAccomRate>
<AgRtGrossTLRate>1.5000</AgRtGrossTLRate>
<AgCommission>3.00</AgCommission>
<AgEstMonthlyPremium>1911.70</AgEstMonthlyPremium>
<AgEstAnnualPremium>22940.00</AgEstAnnualPremium>
<OcAnnualFixedCost>788581.00</OcAnnualFixedCost>
<OcSpVariableCost>0.00</OcSpVariableCost>
<OcAgVariableCost>2395872.00</OcAgVariableCost>
<OcMaxAnnualLiability>3184453.00</OcMaxAnnualLiability>
<IsPlanMirroring>0</IsPlanMirroring>
<PlanMirrorQualification />
<IsEarlyRateLockIn>N</IsEarlyRateLockIn>
</Option>
<Option>
<OptionNo>1</OptionNo>
<SpIsIncluded>Y</SpIsIncluded>
<SpDeductible>100000</SpDeductible>
<SpMaxCoverageLimit>0</SpMaxCoverageLimit>
<SpMaxReimbursement>0</SpMaxReimbursement>
<SpContractBasis>15/12</SpContractBasis>
<SpClaimIncMonths>15</SpClaimIncMonths>
<SpClaimPaidMonths>12</SpClaimPaidMonths>
<SpClaimIncFrom>06/01/2022</SpClaimIncFrom>
<SpClaimIncTo>08/31/2023</SpClaimIncTo>
<SpClaimPaidFrom>09/01/2022</SpClaimPaidFrom>
<SpClaimPaidTo>08/31/2023</SpClaimPaidTo>
<SpRunInLimit>0</SpRunInLimit>
<SpIsTerminalExtension>N</SpIsTerminalExtension>
<SpTerminalExtTerm>NONE</SpTerminalExtTerm>
<SpTerminalExtTermDescription>Not Applicable</SpTerminalExtTermDescription>
<SpIsAggregatedSpecific>N</SpIsAggregatedSpecific>
<SpAddLiability>0</SpAddLiability>
<SpIsPremiumLoadInLieuOfLaser>N</SpIsPremiumLoadInLieuOfLaser>
<SpPremiumLoadInLieuOfLaser>0.00</SpPremiumLoadInLieuOfLaser>
<SpIsNoNewLaserRenewal>N</SpIsNoNewLaserRenewal>
<SpIsAdvanceFunding>Y</SpIsAdvanceFunding>
<SpIsGaplessRenewal>N</SpIsGaplessRenewal>
<SpIsRenewalRateCap>N</SpIsRenewalRateCap>
<SpRenewalRateCap>0.00</SpRenewalRateCap>
<SpRateEE>188.37</SpRateEE>
<SpRateES>361.49</SpRateES>
<SpRateEC>321.52</SpRateEC>
<SpRateED>0.00</SpRateED>
<SpRateEF>536.00</SpRateEF>
<SpRateCE>255.38</SpRateCE>
<SpCommission>3.00</SpCommission>
<SpEstMonthlyPremium>50310.06</SpEstMonthlyPremium>
<SpEstAnnualPremium>603721.00</SpEstAnnualPremium>
<SpChangeFromCurrent>0.00</SpChangeFromCurrent>
<AgIsIncluded>Y</AgIsIncluded>
<AgMaxLossLimit>100000</AgMaxLossLimit>
<AgContractBasis>PAID</AgContractBasis>
<AgClaimIncMonths>18</AgClaimIncMonths>
<AgClaimPaidMonths>12</AgClaimPaidMonths>
<AgClaimIncFrom>03/01/2022</AgClaimIncFrom>
<AgClaimIncTo>08/31/2023</AgClaimIncTo>
<AgClaimPaidFrom>09/01/2022</AgClaimPaidFrom>
<AgClaimPaidTo>08/31/2023</AgClaimPaidTo>
<AgRunInLimit>N/A</AgRunInLimit>
<AgIsTerminalExtension>Y</AgIsTerminalExtension>
<AgTerminalExtTerm>03MO</AgTerminalExtTerm>
<AgTerminalExtTermDescription>3 Month Extension</AgTerminalExtTermDescription>
<AgTerminalExtCorridor>125</AgTerminalExtCorridor>
<AgIsTerminalExtMaxLiability>Y</AgIsTerminalExtMaxLiability>
<AgMinAttachmentPoint>2369295</AgMinAttachmentPoint>
<AgMinEstAttachmentPoint>2369295</AgMinEstAttachmentPoint>
<AgEstAttachmentPoint>2632550</AgEstAttachmentPoint>
<AgTotalEstAttachmentPoint>2632550</AgTotalEstAttachmentPoint>
<AgMDFactorEE>804.63</AgMDFactorEE>
<AgMDFactorES>1602.83</AgMDFactorES>
<AgMDFactorEC>1418.56</AgMDFactorEC>
<AgMDFactorED>1418.56</AgMDFactorED>
<AgMDFactorEF>2407.45</AgMDFactorEF>
<AgMDFactorCE>1113.60</AgMDFactorCE>
<AgRXFactorEE>0.00</AgRXFactorEE>
<AgRXFactorES>0.00</AgRXFactorES>
<AgRXFactorEC>0.00</AgRXFactorEC>
<AgRXFactorED>0.00</AgRXFactorED>
<AgRXFactorEF>0.00</AgRXFactorEF>
<AgRXFactorCE>0.00</AgRXFactorCE>
<AgDNFactorEE>0.00</AgDNFactorEE>
<AgDNFactorES>0.00</AgDNFactorES>
<AgDNFactorEC>0.00</AgDNFactorEC>
<AgDNFactorED>0.00</AgDNFactorED>
<AgDNFactorEF>0.00</AgDNFactorEF>
<AgDNFactorCE>0.00</AgDNFactorCE>
<AgVIFactorEE>0.00</AgVIFactorEE>
<AgVIFactorES>0.00</AgVIFactorES>
<AgVIFactorEC>0.00</AgVIFactorEC>
<AgVIFactorED>0.00</AgVIFactorED>
<AgVIFactorEF>0.00</AgVIFactorEF>
<AgVIFactorCE>0.00</AgVIFactorCE>
<AgWIFactorEE>0.00</AgWIFactorEE>
<AgWIFactorES>0.00</AgWIFactorES>
<AgWIFactorEC>0.00</AgWIFactorEC>
<AgWIFactorED>0.00</AgWIFactorED>
<AgWIFactorEF>0.00</AgWIFactorEF>
<AgWIFactorCE>0.00</AgWIFactorCE>
<AgCombinedRateEE>13.55</AgCombinedRateEE>
<AgRateEE>12.05</AgRateEE>
<AgRateES>0.00</AgRateES>
<AgRateEC>0.00</AgRateEC>
<AgRateED>0.00</AgRateED>
<AgRateEF>0.00</AgRateEF>
<AgRateCE>12.05</AgRateCE>
<AgRtGrossAccomRate>456.0000</AgRtGrossAccomRate>
<AgRtGrossTLRate>1.5000</AgRtGrossTLRate>
<AgCommission>3.00</AgCommission>
<AgEstMonthlyPremium>2373.35</AgEstMonthlyPremium>
<AgEstAnnualPremium>28480.00</AgEstAnnualPremium>
<OcAnnualFixedCost>649931.00</OcAnnualFixedCost>
<OcSpVariableCost>0.00</OcSpVariableCost>
<OcAgVariableCost>2632550.00</OcAgVariableCost>
<OcMaxAnnualLiability>3282481.00</OcMaxAnnualLiability>
<IsPlanMirroring>0</IsPlanMirroring>
<PlanMirrorQualification />
<IsEarlyRateLockIn>N</IsEarlyRateLockIn>
</Option>
<Option>
<OptionNo>2</OptionNo>
<SpIsIncluded>Y</SpIsIncluded>
<SpDeductible>100000</SpDeductible>
<SpMaxCoverageLimit>0</SpMaxCoverageLimit>
<SpMaxReimbursement>0</SpMaxReimbursement>
<SpContractBasis>15/12</SpContractBasis>
<SpClaimIncMonths>15</SpClaimIncMonths>
<SpClaimPaidMonths>12</SpClaimPaidMonths>
<SpClaimIncFrom>06/01/2022</SpClaimIncFrom>
<SpClaimIncTo>08/31/2023</SpClaimIncTo>
<SpClaimPaidFrom>09/01/2022</SpClaimPaidFrom>
<SpClaimPaidTo>08/31/2023</SpClaimPaidTo>
<SpRunInLimit>0</SpRunInLimit>
<SpIsTerminalExtension>N</SpIsTerminalExtension>
<SpTerminalExtTerm>NONE</SpTerminalExtTerm>
<SpTerminalExtTermDescription>Not Applicable</SpTerminalExtTermDescription>
<SpIsAggregatedSpecific>N</SpIsAggregatedSpecific>
<SpAddLiability>0</SpAddLiability>
<SpIsPremiumLoadInLieuOfLaser>N</SpIsPremiumLoadInLieuOfLaser>
<SpPremiumLoadInLieuOfLaser>0.00</SpPremiumLoadInLieuOfLaser>
<SpIsNoNewLaserRenewal>N</SpIsNoNewLaserRenewal>
<SpIsAdvanceFunding>Y</SpIsAdvanceFunding>
<SpIsGaplessRenewal>N</SpIsGaplessRenewal>
<SpIsRenewalRateCap>N</SpIsRenewalRateCap>
<SpRenewalRateCap>0.00</SpRenewalRateCap>
<SpRateEE>188.37</SpRateEE>
<SpRateES>361.49</SpRateES>
<SpRateEC>321.52</SpRateEC>
<SpRateED>0.00</SpRateED>
<SpRateEF>536.00</SpRateEF>
<SpRateCE>255.38</SpRateCE>
<SpCommission>3.00</SpCommission>
<SpEstMonthlyPremium>50310.06</SpEstMonthlyPremium>
<SpEstAnnualPremium>603721.00</SpEstAnnualPremium>
<SpChangeFromCurrent>0.00</SpChangeFromCurrent>
<AgIsIncluded>Y</AgIsIncluded>
<AgMaxLossLimit>100000</AgMaxLossLimit>
<AgContractBasis>PAID</AgContractBasis>
<AgClaimIncMonths>18</AgClaimIncMonths>
<AgClaimPaidMonths>12</AgClaimPaidMonths>
<AgClaimIncFrom>03/01/2022</AgClaimIncFrom>
<AgClaimIncTo>08/31/2023</AgClaimIncTo>
<AgClaimPaidFrom>09/01/2022</AgClaimPaidFrom>
<AgClaimPaidTo>08/31/2023</AgClaimPaidTo>
<AgRunInLimit>N/A</AgRunInLimit>
<AgIsTerminalExtension>Y</AgIsTerminalExtension>
<AgTerminalExtTerm>03MO</AgTerminalExtTerm>
<AgTerminalExtTermDescription>3 Month Extension</AgTerminalExtTermDescription>
<AgTerminalExtCorridor>125</AgTerminalExtCorridor>
<AgIsTerminalExtMaxLiability>Y</AgIsTerminalExtMaxLiability>
<AgMinAttachmentPoint>2369295</AgMinAttachmentPoint>
<AgMinEstAttachmentPoint>2369295</AgMinEstAttachmentPoint>
<AgEstAttachmentPoint>2632550</AgEstAttachmentPoint>
<AgTotalEstAttachmentPoint>2632550</AgTotalEstAttachmentPoint>
<AgMDFactorEE>804.63</AgMDFactorEE>
<AgMDFactorES>1602.83</AgMDFactorES>
<AgMDFactorEC>1418.56</AgMDFactorEC>
<AgMDFactorED>1418.56</AgMDFactorED>
<AgMDFactorEF>2407.45</AgMDFactorEF>
<AgMDFactorCE>1113.60</AgMDFactorCE>
<AgRXFactorEE>0.00</AgRXFactorEE>
<AgRXFactorES>0.00</AgRXFactorES>
<AgRXFactorEC>0.00</AgRXFactorEC>
<AgRXFactorED>0.00</AgRXFactorED>
<AgRXFactorEF>0.00</AgRXFactorEF>
<AgRXFactorCE>0.00</AgRXFactorCE>
<AgDNFactorEE>0.00</AgDNFactorEE>
<AgDNFactorES>0.00</AgDNFactorES>
<AgDNFactorEC>0.00</AgDNFactorEC>
<AgDNFactorED>0.00</AgDNFactorED>
<AgDNFactorEF>0.00</AgDNFactorEF>
<AgDNFactorCE>0.00</AgDNFactorCE>
<AgVIFactorEE>0.00</AgVIFactorEE>
<AgVIFactorES>0.00</AgVIFactorES>
<AgVIFactorEC>0.00</AgVIFactorEC>
<AgVIFactorED>0.00</AgVIFactorED>
<AgVIFactorEF>0.00</AgVIFactorEF>
<AgVIFactorCE>0.00</AgVIFactorCE>
<AgWIFactorEE>0.00</AgWIFactorEE>
<AgWIFactorES>0.00</AgWIFactorES>
<AgWIFactorEC>0.00</AgWIFactorEC>
<AgWIFactorED>0.00</AgWIFactorED>
<AgWIFactorEF>0.00</AgWIFactorEF>
<AgWIFactorCE>0.00</AgWIFactorCE>
<AgCombinedRateEE>13.55</AgCombinedRateEE>
<AgRateEE>12.05</AgRateEE>
<AgRateES>0.00</AgRateES>
<AgRateEC>0.00</AgRateEC>
<AgRateED>0.00</AgRateED>
<AgRateEF>0.00</AgRateEF>
<AgRateCE>12.05</AgRateCE>
<AgRtGrossAccomRate>456.0000</AgRtGrossAccomRate>
<AgRtGrossTLRate>1.5000</AgRtGrossTLRate>
<AgCommission>3.00</AgCommission>
<AgEstMonthlyPremium>2373.35</AgEstMonthlyPremium>
<AgEstAnnualPremium>28480.00</AgEstAnnualPremium>
<OcAnnualFixedCost>649931.00</OcAnnualFixedCost>
<OcSpVariableCost>0.00</OcSpVariableCost>
<OcAgVariableCost>2632550.00</OcAgVariableCost>
<OcMaxAnnualLiability>3282481.00</OcMaxAnnualLiability>
<IsPlanMirroring>0</IsPlanMirroring>
<PlanMirrorQualification />
<IsEarlyRateLockIn>N</IsEarlyRateLockIn>
</Option>
</Options>
<AdditionalFees>
<Fee>
<Description>MATRIX RMS Fees</Description>
<Rates>
<Rate>7.5000</Rate>
<Rate>7.5000</Rate>
</Rates>
<IsPercent>N</IsPercent>
</Fee>
</AdditionalFees>
<LaserDeductible>
<Individual>
<Name>Daisy Duck</Name>
<Deductible>
<SpDeductible>160000</SpDeductible>
<SpDeductible>160000</SpDeductible>
</Deductible>
<IsConditionalLaser>N</IsConditionalLaser>
</Individual>
<Individual>
<Name>Donald Duck</Name>
<Deductible>
<SpDeductible>125000</SpDeductible>
<SpDeductible>125000</SpDeductible>
</Deductible>
<IsConditionalLaser>N</IsConditionalLaser>
</Individual>
<Individual>
<Name>Mickey Mouse</Name>
<Deductible>
<SpDeductible>0</SpDeductible>
<SpDeductible>0</SpDeductible>
</Deductible>
<IsConditionalLaser>N</IsConditionalLaser>
</Individual>
<Individual>
<Name>Minnie Mouse</Name>
<Deductible>
<SpDeductible>0</SpDeductible>
<SpDeductible>0</SpDeductible>
</Deductible>
<IsConditionalLaser>N</IsConditionalLaser>
</Individual>
<Individual>
<Name>Pluto Dog Subject to: No Tail</Name>
<Deductible>
<SpDeductible>0</SpDeductible>
<SpDeductible>0</SpDeductible>
</Deductible>
<IsConditionalLaser>Y</IsConditionalLaser>
</Individual>
</LaserDeductible>
<LaserContractBasis>
<Individual>
<Name>Daisy Duck</Name>
<ContractBasis>13/12</ContractBasis>
</Individual>
<Individual>
<Name>Mickey Mouse</Name>
<ContractBasis>13/12</ContractBasis>
</Individual>
</LaserContractBasis>
<LaserMaxReimbursement>
<Individual>
<Name>Daisy Duck</Name>
<MaxReimbursement>
<SpMaxReimbursement>160000</SpMaxReimbursement>
<SpMaxReimbursement>160000</SpMaxReimbursement>
</MaxReimbursement>
</Individual>
<Individual>
<Name>Minnie Mouse</Name>
<MaxReimbursement>
<SpMaxReimbursement>150000</SpMaxReimbursement>
<SpMaxReimbursement>150000</SpMaxReimbursement>
</MaxReimbursement>
</Individual>
<Individual>
<Name>Pluto Dog Subject to: No Tail</Name>
<MaxReimbursement>
<SpMaxReimbursement>200000</SpMaxReimbursement>
<SpMaxReimbursement>200000</SpMaxReimbursement>
</MaxReimbursement>
</Individual>
</LaserMaxReimbursement>
<Limitations>
<Limitation>This proposal is illustrative.</Limitation>
<Limitation>Additional compensation may be paid to a licensed producer.</Limitation>
<Limitation>The rates and factors quoted are based on the data submitted.</Limitation>
<Limitation>In the event there is a 15% or greater change in enrollment or participation, rates and factors may be recalculated.</Limitation>
<Limitation>Administration costs and network access fees are not included in the stop loss costs or coverage.</Limitation>
<Limitation>If any individuals are lasered, only the amount up to the group specific deductible applies to the aggregate for each individual.</Limitation>
</Limitations>
<PPONetworks>
<Network>Blue</Network>
</PPONetworks>
<ClaimAdministrators />
<Experience />
<ExperienceTotals />
</Record>
</MDSLProposal>